Search found 352 matches

by marylandcrab
Wed Dec 14, 2011 11:39 am
Forum: Personal Finance (Not Investing)
Topic: making an enormous mistake at work
Replies: 83
Views: 9204

Re: making an enormous mistake at work

I'm going to stop discussing the exact nature of the problem. We don't upcharge or bill for wrong products or codes or do anything unethical, illegal or immoral. We are as on the up and up as they come and I won't address those comments again. In fact we are preferred providers, pass inspections yea...
by marylandcrab
Wed Dec 14, 2011 6:49 am
Forum: Personal Finance (Not Investing)
Topic: making an enormous mistake at work
Replies: 83
Views: 9204

Re: making an enormous mistake at work

Thanks for all for your thoughts. To the person who wonders if my office is especially full of drama or if it's just the way of small business. In speaking to my friends who own businesses for the most part I have a pretty common story to tell. When you have a small company you rely on people more t...
by marylandcrab
Tue Dec 13, 2011 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: making an enormous mistake at work
Replies: 83
Views: 9204

Re: making an enormous mistake at work

I'm going to go speak to everyone again, and her personally. The problem was actually caught on our end, the person who trained her saw all the info she faxed over and immediately ran to the supervisor freaking out. The person who made the mistake at first didn't get why it was a big deal, then it s...
by marylandcrab
Tue Dec 13, 2011 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: making an enormous mistake at work
Replies: 83
Views: 9204

Re: making an enormous mistake at work

I own a medical business with contracts with insurance companies. All office people have certain access to patients private information, it just has to be that way to function. We'll just say she made a major insurance carrier very upset with the procedure she didn't follow, which is very clearly ou...
by marylandcrab
Tue Dec 13, 2011 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: making an enormous mistake at work
Replies: 83
Views: 9204

making an enormous mistake at work

I had an employee inadvertently make an enormous mistake. It could cost us about 16% of our revenues from here forward. I know she feels terrible, but probably not as terrible as me. Dh said, we can't shield employees from feeling bad about consequences of their not thinking. Dh is wondering if she ...
by marylandcrab
Mon Dec 12, 2011 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas gifts at work
Replies: 24
Views: 3680

Re: Christmas gifts at work

This is such a pain in small companies. I used to have a christmas party, but it seemed so crazy at this time of year we changed it to a January kick off - we named an employee of the year, it was a sit down dinner, open bar, dj, karaoke, dancing, and we paid for our employees to stay at the hotel i...
by marylandcrab
Fri Dec 09, 2011 6:40 am
Forum: Personal Consumer Issues
Topic: Job related ethics question
Replies: 26
Views: 1778

Re: Job related ethics question

Wow! I can't believe the answers here. Doesn't anyone ever do the right thing for its own sake and their own conscience? I know the last thing most company's ever want to do is cut staff. It really seems selfish to do that to the manager and the other people. And, when people do things like this, it...
by marylandcrab
Thu Dec 08, 2011 6:55 am
Forum: Personal Consumer Issues
Topic: Do you think most kids are brats?
Replies: 114
Views: 8386

Re: Do you think most kids are brats?

Another thing I noticed with my kids is that they went through stages of clingy-ness. My theory was, if they need to cling, I will let them, and when they are ready they will get off my lap. I think my son stayed glued on me for his first few years. He was timid, didn't speak til he was later and wa...
by marylandcrab
Wed Dec 07, 2011 6:58 am
Forum: Personal Consumer Issues
Topic: Horse Riding Lessons
Replies: 28
Views: 1899

Re: Horse Riding Lessons

Don't put your cart ahead of your horse here... My dd has taken riding lessons for years. We paid $120/mo for small group lessons. The woman had a stable of horses, had all the equipment and even had extra pants and helmets. Take a few lessons before you decide what you want/need. She does english s...
by marylandcrab
Wed Dec 07, 2011 6:52 am
Forum: Personal Consumer Issues
Topic: Do you think most kids are brats?
Replies: 114
Views: 8386

Re: Do you think most kids are brats?

Most kids I see on an individual basis are pretty good kids. But some have godawful, selfish parents. Kids usually misbehave, from what I see because they want attention, even if it's negative attention. You've seen my kids in public and scoffed - they've sat in the cart of the grocery store screami...
by marylandcrab
Mon Dec 05, 2011 4:58 pm
Forum: Personal Consumer Issues
Topic: Quality Business Casual Clothing
Replies: 18
Views: 2790

Re: Quality Business Casual Clothing

Nordstroms does free tailoring. My dd is also 5'3" and that is a tough height for pants. We just got jeans hemmed for her. After a year and a half, I suspect she'll remain at 5'3. I find if I get good, well fitting pants, I'm willing to spend more money on a decent pair, then I'm okay with adding in...
by marylandcrab
Mon Dec 05, 2011 8:24 am
Forum: Personal Consumer Issues
Topic: You get what you pay for
Replies: 42
Views: 3433

Re: You get what you pay for

Shoes. I know I'm a girl, so shoes can be a joke. However, I've bought "faux" uggs before for my ice cold feet. They fell apart and didn't really keep my feet warm. I bought uggs a few years ago and they still look good and my feet actually stay warm without sweating. I've long since stopped shoppin...
by marylandcrab
Mon Dec 05, 2011 6:44 am
Forum: Personal Consumer Issues
Topic: geo-thermal
Replies: 11
Views: 895

Re: geo-thermal

We do have ductwork issues upstairs so they are fixing them. The markup is appalling when I compared prices. For the highest one, which was 1/3 higher than the next quote, I gave my sales thing... I'm getting other quotes, is this your best deal...silence. Yup, their best deal, which didn't even inc...
by marylandcrab
Sun Dec 04, 2011 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Single employee (owner) payroll
Replies: 14
Views: 2790

Re: Single employee (owner) payroll

Do yourself a favor and get a cpa. You're going to need tax advice anyway. They can tell you everything you need to do. I have my own business and even at first we had a cpa help us with all the paperwork and forms to mail in. The last thing in the world you need is tax problems, the irs is huge sti...
by marylandcrab
Sun Dec 04, 2011 6:33 pm
Forum: Personal Consumer Issues
Topic: geo-thermal
Replies: 11
Views: 895

geo-thermal

Anyone have geothermal? We have the rigs on our side yard now and they started drilling the holes. We have electric heat with propane back up. Good grief the propane refills get insane. We crunched the numbers and we'll get the money back for the investment in 4 years. They even threw in a heat assi...
by marylandcrab
Sun Dec 04, 2011 6:24 pm
Forum: Personal Consumer Issues
Topic: I'm strange because I always liked where I live
Replies: 32
Views: 2425

Re: I'm strange because I always liked where I live

I grew up in NJ, my dad took the train to work everyday, my brother now takes the ferry. It has become the refuge of staten island. When I got married we moved to Maryland, and we moved around MD a couple of times as we bought a house then had kids. I get a little giggle when I go home, I lost my ac...
by marylandcrab
Sat Dec 03, 2011 7:58 am
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 6362

Re: Redshirting school age children

I totally agree with schools getting hurt by 2 year age span in a grade. When my dd was 5, in K, the teacher was flustered because she didn't come into K reading. I was very straight forward - isn't that what K and 1st grade are about, learning to read? She told me at 5 in June, my dd was very young...
by marylandcrab
Fri Dec 02, 2011 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question re USAA
Replies: 25
Views: 4501

Re: Question re USAA

Dh is an ex officer and we've banked with them and had insurance with them for over 20 years. I don't believe their auto is the least expensive, and we don't use them currently for that. What I have found weird is their constant evaluation of our homeowners. They've evaluated and re-evaluated the pa...
by marylandcrab
Fri Dec 02, 2011 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a financial adviser?
Replies: 40
Views: 4064

Re: Do you have a financial adviser?

I have a company that administers my company's 401k, but we picked the funds. I have a specific name of the person who my employees can call if they need a loan or general info and prospectus on the funds. Not sure if that's technically an advisor, but I didn't have the knowledge or time to set up a...
by marylandcrab
Fri Dec 02, 2011 3:45 am
Forum: Personal Consumer Issues
Topic: Studies that state the obvious
Replies: 19
Views: 1802

Re: Studies that state the obvious

I heard the Univ of Maryland did a study where women who wore less clothes to the office were not seen as serious as their more dressed, layered counterparts. That didn't exactly rock my world.
by marylandcrab
Thu Dec 01, 2011 7:54 am
Forum: Personal Consumer Issues
Topic: Salary Requirement for Job Opening
Replies: 16
Views: 2123

Re: Salary Requirement for Job Opening

Granted I'm only one employer. I ask for salary requirements in a cover letter. The way I see it - if it's a 50k job, a person who has to have at least 100k won't want to bother, and someone who asks for $10/hr isn't probably the level I need. Just to save everyone's time. I have no issue seeing neg...
by marylandcrab
Tue Nov 29, 2011 8:08 pm
Forum: Personal Consumer Issues
Topic: All Clad (Gift for Home Chef)?
Replies: 31
Views: 3041

Re: All Clad (Gift for Home Chef)?

Hubby and I love to cook. It's probably the place where we splurge the most. We have the all-clad copper core set of pots and pans. While someone who doesn't cook much or often wouldn't care, if he cares enough to know and ask specifically, he wants all-clad specifically. The copper core is amazing,...
by marylandcrab
Tue Nov 29, 2011 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Job change - remaining vacation days
Replies: 16
Views: 1320

Re: Job change - remaining vacation days

I put in my employee handbook, that everyone signs when they start that vacation and leave is not paid out if an employees leaves. Otherwise, I'd legally have to pay it.
by marylandcrab
Tue Nov 29, 2011 8:28 am
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 6362

Re: Redshirting school age children

It isn't even about academics. Children usually get redshirted when the parents and/or the school administration believe that the child can benefit from waiting another year. It mostly is about developmental issues. What kind of developmental issues? Is it really a benefit for the child or is it fo...
by marylandcrab
Mon Nov 28, 2011 6:02 am
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 6362

Re: Redshirting school age children

Of the kids I know who were red-shirted, they were held back later, and done primarily for sports, to give their kids the advantage of being older and more mature. We were given the choice in middle school of having ds skip 8th and go straight to hs. We chose not to do that and keep him with his pee...
by marylandcrab
Sun Nov 27, 2011 4:29 pm
Forum: Personal Consumer Issues
Topic: E-reader for Mom (86 years old)?
Replies: 40
Views: 3416

Re: E-reader for Mom (86 years old)?

I have a kindle, my dd has a nook. The kindle seems to be a little user friendly, imo, and can enlarge text pretty well. Also, it can read out loud to you. However, the nook is fine too, and maybe it's just because I'm used to it. However, at that age you will probably have to download books for her...
by marylandcrab
Sun Nov 27, 2011 9:38 am
Forum: Personal Consumer Issues
Topic: Must managers have face-to-face time with their employees?
Replies: 23
Views: 2026

Re: Must managers have face-to-face time with their employee

I use ADP, I haven't worried about any of that payroll stuff for years. Your friend Barney is right about health insurance. I have employees in 2 states. I also have "inside" employees and "outside" employees. He's going to need very clear guidelines for the company. Have him download an employee m...
by marylandcrab
Sun Nov 27, 2011 8:45 am
Forum: Personal Consumer Issues
Topic: Document Shredding companies
Replies: 11
Views: 966

Re: Document Shredding companies

We use a company called Shred It. They come once a month to our office and shred everything right in the parking lot. We have medical records that we scan in our computers, after scanning they get put in a locked wheeled trash can and rolled out and tossed in. One of our people just walks out with t...
by marylandcrab
Sun Nov 27, 2011 7:30 am
Forum: Personal Consumer Issues
Topic: Must managers have face-to-face time with their employees?
Replies: 23
Views: 2026

Re: Must managers have face-to-face time with their employee

I use ADP, I haven't worried about any of that payroll stuff for years. Your friend Barney is right about health insurance. I have employees in 2 states. I also have "inside" employees and "outside" employees. He's going to need very clear guidelines for the company. Have him download an employee ma...
by marylandcrab
Sat Nov 26, 2011 7:03 pm
Forum: Personal Consumer Issues
Topic: Are fake Christmas trees toxic?
Replies: 28
Views: 2547

Re: Are fake Christmas trees toxic?

I'm severely allergic to pine trees and at the ripe old age of 45 I've lived with different fake trees most years, and I haven't gotten any bizarre reaction yet. I can't even go into homes during Christmas if they have a real tree. So for me, real trees are toxic.
by marylandcrab
Sat Nov 26, 2011 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selling of Biz - Capital Gains laws in U.S.
Replies: 11
Views: 1040

Re: Selling of Biz - Capital Gains laws in U.S.

Is he selling based on a multiplier of ebidta? Things like that are capital gains. Things like goodwill, payouts for benchmarks of the company, signing a non compete all go for income. A stock sale is capital gains, but I wouldn't take our advice, he must be working with an attorney of some sort, a...
by marylandcrab
Sat Nov 26, 2011 8:48 am
Forum: Personal Consumer Issues
Topic: 9/11/01 boatlift video
Replies: 5
Views: 801

Re: 9/11/01 boatlift video

My brother was on one of those on the ferries as were many of my friends. He grabbed his secretary, who was pregnant and new to NY and made a beeline out. My friend said the receiveing end where the ferries landed was extremely emotional as families waited for loved ones to get off the boats. That's...
by marylandcrab
Fri Nov 25, 2011 6:51 am
Forum: Investing - Theory, News & General
Topic: Madoff Victims
Replies: 34
Views: 2827

Re: Madoff Victims

A woman I know just lost her husband. She belongs to a country club and is giving all her money to some financial advisor who will pay her bills for her, invest the rest and give her a monthly amount to live on. She feels super good about it because he's so exclusive and only deals with people with ...
by marylandcrab
Thu Nov 24, 2011 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Is there such a thing as a FInancial Intervention?
Replies: 36
Views: 3634

Re: Is there such a thing as a FInancial Intervention?

Like alcoholism or drug addiction, you can't make someone want to fix something about themselves. She knows she has an ultimate safety net with an inheritance. I have a business and though my kids are still teenagers, working for the business or running it themselves someday isn't an option. Frankly...
by marylandcrab
Wed Nov 23, 2011 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Employment Interview Question
Replies: 17
Views: 1983

Re: Employment Interview Question

Just don't say what someone just told me in an interview yesterday. When asked why she left her last job, she said she was fired because they believed she showed poor judgement.
by marylandcrab
Tue Nov 22, 2011 5:57 am
Forum: Personal Consumer Issues
Topic: Best Way To Roast A Turkey
Replies: 30
Views: 3827

Re: Best Way To Roast A Turkey

I agree with the brining method.

I also like a fried turkey, but we don't do it for Thanksgiving because the turkey is too big to fit in, and the traditionalists are aghast. I also serve turduckhen and ham.
by marylandcrab
Mon Nov 21, 2011 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Close down business now or drag it out?
Replies: 16
Views: 1863

Re: Close down business now or drag it out?

Are you capable or willing to try and get new contracts? Are you sure you can't save your current account? I'm sure you see having one client be a majority of your business leaves you very vulnerable. Do you want to close the business? If it were me, and I'm a business owner, I'd be upfront with my ...
by marylandcrab
Mon Nov 21, 2011 5:48 am
Forum: Personal Consumer Issues
Topic: Tis the season
Replies: 14
Views: 1237

Re: Tis the season

You could do lots of things... You could make them a gift basket around a theme - say a few movies, popcorn, candy for a night in. Or out to the movies with a gc to the theater and a gc to a pizza place. Edible arrangements are nice, or fruit of the month, wine of the month, etc. What interests them...
by marylandcrab
Sat Nov 19, 2011 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Selling Largest Business Asset - [Urgent] Advice Requested
Replies: 26
Views: 1526

Re: Selling Largest Business Asset - [Urgent] Advice Request

The buyer putting amounts in escrow in order to do due diligence seems odd. Not really. We're being looked at by a direct competitor. Right now everything is nameless and they only get financials. Once due diligence hits after the term sheet is agreed and signed and they start looking at proprietar...
by marylandcrab
Sat Nov 19, 2011 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Selling Largest Business Asset - [Urgent] Advice Requested
Replies: 26
Views: 1526

Re: Selling Largest Business Asset - [Urgent] Advice Request

Oh, and check into the taxes! You want as much as possible as a percentage of ebidta or stock sale to get capital gains at 15% taxes vs income to you. Be sure you are talking to an accountant about that.
by marylandcrab
Sat Nov 19, 2011 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Selling Largest Business Asset - [Urgent] Advice Requested
Replies: 26
Views: 1526

Re: Selling Largest Business Asset - [Urgent] Advice Request

So ironic you would post this. We have been approached to sell our business by a very large corporation as well. Here's some things we're tossing around - keep in mind, it's just my opinion and our thought process. Owners always think their businesses are worth more, buyers always think it's worth l...
by marylandcrab
Sat Nov 19, 2011 6:14 am
Forum: Personal Consumer Issues
Topic: What was your very first job
Replies: 103
Views: 6477

Re: What was your very first job

First job was working in a clothes store for 1.85/hr when I was in 8th grade. I moved onto the restaurant world after that working at a seafood restaurant through high school. In college I was a cocktail waitress - I could make more in one night than working at an office job all week. This was the 8...
by marylandcrab
Fri Nov 18, 2011 6:33 am
Forum: Personal Consumer Issues
Topic: the stress of waiting for college admits
Replies: 14
Views: 1435

Re: the stress of waiting for college admits

From what several college counselors tell me, there is no such thing as a safety school anymore. I don't know why I am so worried, probably just the unknown part of it. I'm not even concerned with the 'best'. Once we can get just one acceptance I think I'll feel much better. Four weeks til we hear f...
by marylandcrab
Fri Nov 18, 2011 6:11 am
Forum: Personal Consumer Issues
Topic: Whats the best mattress out there
Replies: 29
Views: 4000

Re: Whats the best mattress out there

I don't like the tempurpedic. I feel like a turtle stuck on my back and it gets really hot. We got a Sealy somethingerother a few years ago, one of the kind where you can't feel your partner rolling around or getting up. That helped me sleep a lot better instantly. When you shop for one make sure yo...
by marylandcrab
Thu Nov 17, 2011 5:25 pm
Forum: Personal Consumer Issues
Topic: the stress of waiting for college admits
Replies: 14
Views: 1435

the stress of waiting for college admits

Am I the only parent stressed about this? DS has finished all the apps and now it's the torture of waiting. He wants engineering and it's so competitive it's unbelievable. And I'm freaking out. Yet I know we applied to a wide variety of schools. But the ones he really wants are a pretty low admit pe...
by marylandcrab
Thu Nov 17, 2011 2:26 pm
Forum: Investing - Theory, News & General
Topic: Many Americans say they will have to work until they're 80
Replies: 101
Views: 8828

Re: Many Americans say they will have to work until they're

So the pp is saying that because someone who saved and did without during their working years shouldn't get social security and someone else who didn't save who made more money should get it? I'd like to opt out and go it alone. I think I'd do better. I look at my mom at 77 and there is no way she c...
by marylandcrab
Thu Nov 17, 2011 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Selling of Biz - Capital Gains laws in U.S.
Replies: 11
Views: 1040

Re: Selling of Biz - Capital Gains laws in U.S.

Is he selling based on a multiplier of ebidta? Things like that are capital gains. Things like goodwill, payouts for benchmarks of the company, signing a non compete all go for income. A stock sale is capital gains, but I wouldn't take our advice, he must be working with an attorney of some sort, an...
by marylandcrab
Tue Nov 15, 2011 4:58 pm
Forum: Personal Consumer Issues
Topic: Burglar Deterrents
Replies: 46
Views: 4535

Re: Burglar Deterrents

Be careful where you choose to live. There are certainly higher crime areas than others. Burglars will go to the easiest point of entry and/or the one out of sight of other houses or the street. Make it a bit challenging to get in or make them believe you are home. I'm thinking a large majority of t...
by marylandcrab
Sun Nov 13, 2011 9:17 pm
Forum: Personal Consumer Issues
Topic: French green beans
Replies: 10
Views: 1843

Re: French green beans

Try this recipe:
1 lb haricots verts
3 T extra virgin olive oil
2 t dijon mustard
2 t white wine vinegar
1 shallot, minced

Steam beans until just tender, whisk remaining ingredients, toss beans with dressing, salt and pepper to taste.
by marylandcrab
Sun Nov 13, 2011 3:10 pm
Forum: Personal Consumer Issues
Topic: Angel Tree gift dilemna
Replies: 11
Views: 1580

Re: Angel Tree gift dilemna

I usually put in other things besides just the requested ones. If I know the clothes sizes I will usually get clothes. But a 5yo girl would be very easy for me to buy extras. Knowing she likes bratz and barbies opens up a lot of other ideas. Just walk in that section of the toy store and you'll see ...