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Lower salary w/stock options versus higher salary no stock options
Posted on 2/19/14 at 9:13 pm
Posted on 2/19/14 at 9:13 pm
Difference in salaries w/wo stock is 5 k.
I know very little about stocks. Which would you say is a better deal?
I know very little about stocks. Which would you say is a better deal?
6
Posted on 2/19/14 at 9:19 pm to Evolve
If it's more than 10% take the stock. Otherwise cash is king to me.
Eta: I'm assuming a multiyear stock option
Eta: I'm assuming a multiyear stock option
This post was edited on 2/19/14 at 9:21 pm
Posted on 2/19/14 at 9:32 pm to Evolve
It should be easy to evaluate the value of the stock options. Agree with C, if roughly the same value then go with cash. I would guess the stock option is worth more if you are willing to accept the terms of when you can sale them. I guess a big question is how do you feel about the future of the company. What will the stock value do during the time you can't sell?
Posted on 2/19/14 at 10:01 pm to Evolve
Without knowing the specifics, I'd take the cash.
1. The extra pay gives you an essentially permanent boost up. If you're good but times are bad your pay will not be cut, in fact if you're good enough you can demand a raise. This is at least something within your control.
2. Options are a play on how well other people do their jobs. Are you in a position where you can accurately judge this? If so, you probably wouldn't post this question here.
3. These days employee options are somewhat oversold. People got rich off them in certain unusual situations when times were good in the 90's but that was then and this is now.
This doesn't mean options are worthless or that it will never work out. I'm just saying you need to know quite a bit more before you pass up a $5K pay raise.
1. The extra pay gives you an essentially permanent boost up. If you're good but times are bad your pay will not be cut, in fact if you're good enough you can demand a raise. This is at least something within your control.
2. Options are a play on how well other people do their jobs. Are you in a position where you can accurately judge this? If so, you probably wouldn't post this question here.
3. These days employee options are somewhat oversold. People got rich off them in certain unusual situations when times were good in the 90's but that was then and this is now.
This doesn't mean options are worthless or that it will never work out. I'm just saying you need to know quite a bit more before you pass up a $5K pay raise.
Posted on 2/19/14 at 10:30 pm to Evolve
What kind of company? Is it a build to flip?
Posted on 2/19/14 at 11:47 pm to Evolve
Take your cash
Posted on 2/20/14 at 9:18 am to Evolve
Think of it this way. If someone walked off the street and handed you $5,000 free and clear, would you immediately plow it all into company stock?
ETA: the 3% difference in retirement match means that the difference in salary isn't really $5K.
ETA: the 3% difference in retirement match means that the difference in salary isn't really $5K.
This post was edited on 2/20/14 at 9:20 am
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