Search found 42 matches

by Unicorn1
Sat Dec 14, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Which bank should I choose?
Replies: 16
Views: 1936

Re: Which bank should I choose?

From what I've seen, Ally and other online banks do not offer business checking accounts. I need to have personal and biz separately. Also, I would rather not go with a credit union since the number of branches will be much smaller than with larger banks. I don't stay in one place for decades at a t...
by Unicorn1
Sat Dec 14, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Which bank should I choose?
Replies: 16
Views: 1936

Re: Which bank should I choose?

Thanks everyone. Just called WF and they won't increase daily mobile deposit limit ($10k/day, $20k per 30-day rolling avg), and nearest ATM for check deposit is now 45 minute drive away. Fidelity is right down the road, but I'm not 100% comfortable using them for personal/biz checking, mainly bc the...
by Unicorn1
Fri Dec 13, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Which bank should I choose?
Replies: 16
Views: 1936

Which bank should I choose?

I've been banking with Wells Fargo for years with business checking for my small consulting biz and personal checking accounts. The bulk of my payments from clients are in the form of paper checks (and their payment systems will not change) and I just deposit the checks at the local branch/ATM. I re...
by Unicorn1
Thu Sep 26, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Resources for dealing with very! difficult employees
Replies: 13
Views: 1722

Re: Resources for dealing with very! difficult employees

Not really. It appears that she is in a management position but without real power to manage. She can document all day long, but raises/promotions/firing is all handled by HR and other higher ups. Of course she has input, but is in no way the sole decision maker.
by Unicorn1
Thu Sep 26, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Resources for dealing with very! difficult employees
Replies: 13
Views: 1722

Resources for dealing with very! difficult employees

Can someone recommend a book or another resource for dealing with and managing very difficult and disrespectful employees? As a bit of background, my wife is a new manager of a team where a small percentage of the employees are extremely disrespectful and critical. Even with appropriate discussion w...
by Unicorn1
Thu Aug 08, 2019 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Taking a graduate data science job offer, or doing a MSc in Statistics
Replies: 34
Views: 2594

Re: Taking a graduate data science job offer, or doing a MSc in Statistics

You say you want to be “more employable in the field”. In what field specifically did you refer to? While there’s plenty of overlap between statistics and analytics, they are not interchangeable so it would pay to understand the subtleties of each. Aside from it being a hot field at the moment, are ...
by Unicorn1
Wed Jul 31, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3866

Re: Personal Trainer for Physical Balance

I might recommend a physical therapist, or a personal trainer with reputable certifications from ACE, NSCA, or ACSM, and specific programming experience with special populations. In my experience, most personal trainers have no certification or certification from a non-reputable organization. I woul...
by Unicorn1
Thu Jun 27, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Website design help
Replies: 22
Views: 1446

Re: Website design help

I have been down this same path a few times over the years for our consulting business. From my experience, website build pricing for a nice, professional-looking site (chock full of images, links, etc.) will range from $4,000 to $8,000. If it's just 4-5 pages of text only, probably much less (and p...
by Unicorn1
Tue Jun 25, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 5152

Re: Am I falling into the trap of judging everything through cost lens?

On personal trips, I choose first-class when the cost difference between first and coach can be overcome by putting in a few billable consulting hours on the flight. Can't easily work in coach due to space constraints.
by Unicorn1
Thu Jun 13, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Invisalign braces
Replies: 5
Views: 1054

Re: Invisalign braces

I had braces in my teens, but stopped wearing the retainers a few years later. Over a couple of decades, my teeth had shifted to the point where Invisaligns made sense. I started in Mar18 and finished up in Oct18, about 6 months in all. My case difficulty was "moderate". Some thoughts below: 1. Defi...
by Unicorn1
Wed Jun 12, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4748

Re: Which shaving cream / oil?

Cremo
by Unicorn1
Tue Jun 11, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3654

Re: Passport photos cheap

This thread reminds me of when I was a child where my dad would drive across town to save 5 cents per gallon on gas and I would wonder why someone would spend so much time and energy on something that, at the end of the day, does not move the needle whatsoever.
by Unicorn1
Sat May 18, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Hiking shoe suggestion for supinators/under-pronators
Replies: 18
Views: 2268

Re: Hiking shoe suggestion for supinators/under-pronators

Brooks Cascadia is a great choice. Also check out the Hoka Stinson ATR is you're looking for extreme cushioning. I would also recommend trail running shoes instead of hikers for even the most technical terrain, unless you are prone to ankle rolls and need the added ankle support to prevent injury.
by Unicorn1
Thu May 16, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4582

Re: Reservations about job offer

You interviewed for a lead tech position. You seem to be under the impression that you were offered a lead tech position, just not with the formal title attached to it. You were actually offered a non-lead tech position. The rest is noise and with no guarantees of future promotion.
by Unicorn1
Wed May 01, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Defective audio port on new laptop
Replies: 15
Views: 869

Re: Defective audio port on new laptop

Thank you all for the feedback which is pretty much unanimous. I am currently finalizing my OneDrive backups, downloading critical programs to a secondary device, and will have Dell repair/replace the motherboard. I appreciate the nudge. 20-30 years ago, I would have just swapped out defective compo...
by Unicorn1
Wed May 01, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Chiropracter career no longer lucrative...what other job options are there?
Replies: 41
Views: 5823

Re: Chiropracter career no longer lucrative...what other job options are there?

If looking to leave the field, perhaps orthopedic medical device sales or orthopedic medical device clinical research could be considered. DC would be adequate to cover degree requirements for both.
by Unicorn1
Tue Apr 30, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Defective audio port on new laptop
Replies: 15
Views: 869

Re: Defective audio port on new laptop

Clarification that the laptop worked great until about 1 week ago, when the issue developed spontaneously upon turning the computer on one morning....
by Unicorn1
Tue Apr 30, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Defective audio port on new laptop
Replies: 15
Views: 869

Defective audio port on new laptop

I purchased a Dell XPS 13 laptop over the holidays (about 4 months ago) and after hours of troubleshooting with Dell, Geek Squad, etc., the audio port on the laptop has been confirmed to be defective. I am only able to get audio out of one of two speakers with a set of Klipsch speakers, a separate s...
by Unicorn1
Wed Apr 17, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 114
Views: 14915

Re: Job Offer Evaluation - FANG

Companies will lay off employees in a heartbeat and think nothing of it. Yet I always find it strange when employees are unwilling to advance their own careers by leaving for a great opportunity because of how they might be perceived by those at the current employer. It's just business. You're not b...
by Unicorn1
Sun Apr 14, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2638

Re: Walking shoes

I third or fourth the recommendation for looking into Hoka's. Nurses are on their feet all day long and I always see them wearing Hoka's. They are mainly used for running, but work great for walking. Make sure to buy the type intended for your foot type. The Hoka Bondi has the most cushioning of any...
by Unicorn1
Thu Apr 11, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $1mil home?
Replies: 64
Views: 8788

Re: Can we afford a $1mil home?

Agree with previous comments. Looks like you can afford a home/condo, even if you back off a bit from your job during school. Still, despite the best laid plans, there remains some unknowns. Can you really back off just a little from your job during grad school? School hasn't started yet so its uncl...
by Unicorn1
Thu Apr 11, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $1mil home?
Replies: 64
Views: 8788

Re: Can we afford a $1mil home?

Of the 340k gross income, how much do you bring in yourself? If you go to school, will your combined gross income decrease by 30k, 100k, 200k? For how long? This would be important to know before providing sound advice.
by Unicorn1
Wed Apr 10, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: sort of deadbeat tenant
Replies: 23
Views: 2943

Re: sort of deadbeat tenant

At the end of the day, it's a $100 or so loss, assuming he pays the last month rent. Just document everything and take the difference out of the damage deposit. You did collect a damage deposit, right? If not, just ask for the difference. He will either pay or not. No matter what happens, it's the e...
by Unicorn1
Wed Apr 10, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for Climate Change
Replies: 15
Views: 1198

Re: Preparing for Climate Change

Not preparing for it or really even thinking about it.
by Unicorn1
Tue Apr 09, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21751

Re: Wife hates new job...wants to quit after 1 day

Every job I've ever had, I wanted to quit after the first day. IT is often not notified or prepared to setup a new hire on day 1. Settling with a clunker computer in a make-shift office isn't unheard of out of the gate. Of course, you hope that the situation improves with time. I would give it a mon...
by Unicorn1
Sun Apr 07, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 4498

Re: Should I regularly replace the water filter in the fridge?

A few months ago, my wife and I went out for dinner. When we returned, the kitchen was flooded and the water was leaking from the in-grill water filter of our fridge. I shut off the supply line to the fridge and removed the water filter. The "head" of the filter had broken off and was stuck in the f...
by Unicorn1
Sat Apr 06, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Son's dubious job offer
Replies: 32
Views: 6704

Re: Son's dubious job offer

Sounds like the two people at the new job site who "told him the terms" did not have the authority to actually decide the terms of the compensation package. Perhaps they were also sales reps putting in their 2 cents, but not actually in HR. It doesn't sound like anything funny is going on. He receiv...
by Unicorn1
Sat Apr 06, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 5330

Re: Grand Canyon and Sedona

When driving from the Grand Canyon to Sedona, you will drive through Flagstaff, AZ. If you have the time, I would spend a few hours here. Might spend a little time downtown or maybe take one of several beautiful hikes near Schultz Tank. If you have almost no time at all, at least drive 7 miles up th...
by Unicorn1
Thu Apr 04, 2019 1:39 pm
Forum: Personal Investments
Topic: Advice for son begining to invest
Replies: 33
Views: 1832

Re: Advice for son begining to invest

Respectfully, I would first consider advising him on topics related to living independently before I broached the topic of investing.
by Unicorn1
Wed Apr 03, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Is $650 for a Roof Inspection Too Much?
Replies: 37
Views: 3116

Re: Is $650 for a Roof Inspection Too Much?

In my mind, if you really feel you need a roof inspection, the absolute highest charge that I could imagine as being somewhat reasonable would be $100-150 just to show up to your front door and then another $200 or so to actually inspect the roof (30-60 min) and provide a written report (30-60 min)....
by Unicorn1
Sun Mar 31, 2019 6:04 pm
Forum: Personal Investments
Topic: Help name a new analytics firm
Replies: 34
Views: 2638

Re: Help name a new analytics firm

I have an almost identical business. I would recommend including the terms Analytics, Data, or something similar in the biz name. Although many data / statistical / analytics firms have names without these terms, I think they help to differentiate your services esp. when you're first starting out. I...
by Unicorn1
Fri Mar 29, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Passed Over For Promotion for Being too Good at My Job
Replies: 55
Views: 6345

Re: Passed Over For Promotion for Being too Good at My Job

Success at one's job does not necessarily translate to success in a managerial role. Just because I can crank out more widgets than the rest of the team does not imply that I can effectively manage people, projects, and budgets.
by Unicorn1
Wed Mar 27, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value
Replies: 70
Views: 8692

Re: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value

I recently went through a rather painful DV experience. I was rear-ended and the repair estimate was approx. $1,500; vehicle value at the time was approx. $50,000. The at-fault party's insurance company (SF) paid for the repair. I also filed a DV claim since the car now had a damage report on the Ca...
by Unicorn1
Wed Mar 27, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 10773

Re: Tattoos and Bogleheads

Got 2 tattoos when I was around 20. Enjoyed them immensely in my 20s, was indifferent towards them in my 30s, and started to despise them in my 40s. Now I'm paying 10x the original tattoo cost for PicoSure laser tattoo removal.
by Unicorn1
Wed Mar 27, 2019 11:33 am
Forum: Personal Investments
Topic: Please provide example of how this 401K works
Replies: 8
Views: 594

Re: Please provide example of how this 401K works

Math does not work out. If the initial values are correct, it would be up to 3.5% for employer.
by Unicorn1
Wed Mar 27, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: 17 out of 18 American Funds have beaten the index
Replies: 63
Views: 5564

Re: 17 out of 18 American Funds have beaten the index

The reported returns do not account for the 5.75% front end load charged on many of these funds...
by Unicorn1
Tue Mar 19, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Dental care for mother-in-law with low income
Replies: 26
Views: 2793

Re: Dental care for mother-in-law with low income

My final follow-up on this thread. Checked into a number of local dental schools (thanks for the ECU recommendations!). None are accepting new patients and have extensive waiting lists. Dental insurances appear to offer limited benefits in relation to premiums, and waiting periods for major work oft...
by Unicorn1
Mon Mar 11, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Dental care for mother-in-law with low income
Replies: 26
Views: 2793

Re: Dental care for mother-in-law with low income

Thanks everyone for the comments so far. A little more info and commentary: --She lives in NC and makes just a bit too much to qualify for Medicaid. --She is 70, in great health (aside from her poor dental habits), and probably won't drive a long ways for dental work. --The local dental school does ...
by Unicorn1
Sun Mar 10, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dental care for mother-in-law with low income
Replies: 26
Views: 2793

Re: Dental care for mother-in-law with low income

Thank you, yes there are local dental schools, but they only do routine cleaning and x-rays, but no fillings, crowns, etc.
by Unicorn1
Sun Mar 10, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dental care for mother-in-law with low income
Replies: 26
Views: 2793

Dental care for mother-in-law with low income

My wife and I provide financial support for her mother, who is recently widowed. My mother in law was just notified that she needs a crown on her tooth at a cost of $2,000. She has very little money and just wants to pull it, but we talked her out of it. Because of her poor dental hygiene overall, I...
by Unicorn1
Wed Jan 24, 2018 12:20 pm
Forum: Personal Investments
Topic: Tax-deferred accounts maxed out - where to park extra funds?
Replies: 5
Views: 897

Re: Tax-deferred accounts maxed out - where to park extra funds?

Thank you all for the advice and wisdom.

I just went ahead and fully funded our Roth IRAs for 2017.

Also, will plan on using that lump sum to fund my taxable account with a mix of equities/tax efficient bond funds to move my overall AA from 100% equities to approx. 80-85%.

Thanks everyone.
by Unicorn1
Tue Jan 23, 2018 11:36 am
Forum: Personal Investments
Topic: Tax-deferred accounts maxed out - where to park extra funds?
Replies: 5
Views: 897

Tax-deferred accounts maxed out - where to park extra funds?

Hi everyone, New to the forum here, long-time lurker. I am 45 yrs old, my wife is 44. We have a home-based C-Corp, we are the only employees. Joint salary is 185k. For the last few years, we have been maxing our SEP-IRA contributions at 25% of income, or about $46k per year. Effective this year, we ...