What Not To Say During A Salary Negotiation

If you want things to go your way, don’t say any of this

Get the best offer possible during your salary negotiation

Preparation pays off, literally, when it comes to salary negotiations. Research about the market and company standards can only take you so far – you need to be able to pitch yourself too. There are some phrases people tend to use in these discussions that don’t really end up working in their favour – despite what they (or you) believe. Here are a few of them. Remember not to say any of this during your next salary negotiation.

1. ‘I’m getting married/moving house/etc’

Let us try to say this as politely as possible – no one cares. Your personal matters are just that – personal. And you can not expect them to influence any professional decisions made at that meeting. The best thing to do is avoid talking about your personal dilemmas, no matter how much they’re affecting you, and focus on the work you’re doing and it’s worth.

2. ‘I’m sorry but…’

Don’t apologise. We all tend to use the word quite liberally, especially when talking to superiors. But there is nothing to apologise for here – you’re talking about your remuneration, which is your right. Don’t feel embarrassed or uncomfortable about it. You’ve worked hard for it.

3. ‘I need/want… ‘

But do you really ‘need’ it? And if you want it, so what? We’re sure every person wants a higher salary. But what’s more important is – do they deserve it? Sometimes the answer to that is no. During your salary negotiations, instead of telling them what you want, tell them what you deserve – and why.

4. ‘I have another offer that is much higher’

Take it then? You don’t want your prospective employer to think you’re in it just for the money. If the other company is offering you more money, and that’s all that matters, you would have taken it anyway. So don’t play that card and try to keep the focus of the conversation on the offer you’re discussing.

5. ‘I haven’t had a raise in so long’

You need to put your point across, without sounding like you’re whining and saying this doesn’t help your case. Bringing their attention to the fact that you have not gotten a raise only makes them think that there has been no reason for you to get a raise.

6. ‘But others are getting paid more to do less work’

Again, trying to compare yourself to others won’t work, nor it is your place to do so. Talk about how much time and effort you have been putting in, irrespective of others – but as soon as you make it seem like a competition, you’re going to lose favour in the discussion. Also, it makes you sound like a gossip-monger.

7. ‘I want more…’

‘More’ is too vague for you to use in this discussion. ‘More’ can be 2% more than the original offer was. There is no room for ‘more’ in this negotiation. Talk about how much more you would like the offer to be and they might take you seriously.


Policy terms can’t be changed during free look period



What are the important riders that can be bought with a basic term life plan?

—Kunal Gupta

Common riders available with a term life plan include: accidental death, permanent disability, and critical illness. Critical illness rider with a term plan is recommended. This helps avoid a separate pre-issuance medical check-up for a critical illness plan, and the premium is fixed for the term of the policy. The other two benefits—disability and accidental death—are better bought independently, in an individual accident insurance policy. Individual accident insurance policies have several advantages—no pre-issuance medical tests, fixed premium at any age, and lower rates than rider premiums charged by life insurers.

My father had bought a term plan in my name. He passed away last month. How do I make the claim?

—Rupali Beohar

You need to first inform the insurer about your father’s demise. You should mention the date, place and cause of death. Intimation via email is considered valid. Send the following documents to the insurer: filled-up claim form, death certificate, policy document and nominee details. Insurer may ask for more documents based on the stated cause of death. Other documents that are sometimes asked for are: hospital discharge summary, postmortem report, and copy of first information report (FIR), in case of unnatural death.

What is a free-look period? Can I get the terms changed in it?

—Ravi Sinha

The Insurance Regulatory and Development Authority of India (Irdai) allows the policyholder to opt out of a policy after its purchase, within 15 days from the date of receipt of policy document. In this period, the insured can examine the complete policy documents, and if the terms do not meet her expectations she can cancel the policy. The entire premium will be refunded after deducting stamp duty, administrative charges, and mortality charges.

This period does not allow an insured to alter the terms of the policy. Any modifications, if required, would be done with a new contract. Under a free look period, the insured can either accept or cancel the policy.

We are a start-up firm run by 5 co-founders, all in their 40s. We wanted to buy life insurance. Is it better to buy a group or individual cover?

—Sarthak Sharma

There are three advantages of a group policy: it’s cheaper than buying individually; at low sum assured, some of you may get a waiver for pre-issuance medical check-up; and in the future you can expand the group to cover other employees. The disadvantage is that premiums can be revised annually. So, premium may rise in subsequent years. But you are better off opting for a group cover as it’s usually cheaper than individual covers.


Stuart Broad Hopes Trevor Bayliss’ Knowledge Of Australia will Help During the Ashes

Stuart Broad generic

London: England fast bowler Stuart Broad believes he and his compatriots can tap into the vast bank of knowledge that coach Trevor Bayliss possesses on their rivals Australia during the Ashes series.

A 14-man England squad will jet off to Spain with their support staff – including Bayliss – on June 27 for a four-day camp, and Broad believes the Australian in their ranks will offer insights into players he has coached previously. (England to Train in Spain for Ashes)

As head coach of Australian domestic sides New South Wales Blues, Sydney Sixers and Indian Premier league (IPL) franchise Kolkata Knight Riders, the 52-year-old mentor has had a host of Australians under his supervision, including premier batsman Steven Smith.

“Obviously he is a very experienced coach. He’s worked a lot in Australia. He’s coached the likes of Steven Smith, who I think was his captain at the Sydney Sixers, so he’ll know the inside and outs of those players,” Broad was quoted as saying by cricket.com.au. (Is the English Cricket Team Scripting Its ODI Revival?)

Bayliss also took the reins of Australia’s T20 side on a stop-gap basis last October in a three-match series against South Africa, giving the coach further insight into the workings of the national set-up.

“He will know the big strengths of Australia, the big weaknesses of Australia and as players we should pick his brain about that.”

“I know that (new England director of cricket) Andrew Strauss is a very logical man, he does a lot of research about the decisions he makes and I’m sure he did a lot of research into the new coach,” Broad added.

The first Test will commence from July 8 at Cardiff.


India probably to go into Missile era institution during PM Modi’s visit To US

India Likely To Enter Missile Technology Group During PM Modi's Visit To US

India had carried out for club to the Missile generation manage Regime last 12 months (record photo)
move will help India export hello-tech missiles to different nations
As a member of MTCR, India can also buy predator drones from the us
US has successfully used to drones to kill Taliban leaders in Afghanistan
India is in all likelihood to go into the Missile generation manipulate Regime or the MTCR this week — aflow with the intention to help her export hello-tech missiles to other international locations andpurchase predator drones from the us.

reports say an announcement may also happen for the duration of high Minister Modi’s visit to the usthis week, so that you can be great

The drones have been used successfully by means of the united states to kill Taliban leaders in Afghanistan.

India had implemented for membership to the MTCR remaining yr but has confronted sturdy oppositionfrom some countries.

The Barack Obama management has strongly backed India’s club to MTCR and 3 other export manageregime — the Australia institution, Nuclear providers group and the Wassenaar arrangement.

mounted in 1987, the voluntary MTCR goals to limit the spread of ballistic missiles.

India is also aggressively pushing to come to be as member of the Nuclear suppliers organization, that isconsidering new packages at a assembly next week.