Search found 196 matches

by rcjchicity
Thu Aug 22, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17620

Re: White collars- How much is your work downtime?

I run all day/everyday. Never any downtime. Need a new career. Pharmacist. Or a new career within pharmacy. I used to work as a clinical hospital pharmacist in a large academic medical center. Most shifts would involved being on my feet for 9 hours, and required coordinating with the other pharmaci...
by rcjchicity
Mon Aug 19, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 4895

Re: How to define "HCOL" (high cost of living) areas?

(I find it interesting that 8 out of the top 20 are in California) It is also interesting that only Boulder Colorado and Anchorage Alaska are not on the coasts. You consider Chicago a coastal city? I mean, I know it is a sea port and had a coast, but I always consider it more of a midwestern lake t...
by rcjchicity
Thu Aug 01, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Day care vs nanny for child care
Replies: 62
Views: 3636

Re: Day care vs nanny for childcare

Nanny Pros - flexibility, one-on-one time, can adapt schedule better to child, lower stress of strict pick-up/drop-off times, child less likely to be sick, ability for nanny to do some things around the house, cost relatively fixed for 2 or 3 kids. Cons - Sickness, vacation can be a challenge. If t...
by rcjchicity
Wed Jun 12, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Where to sit at Wrigley?
Replies: 18
Views: 1493

Re: Where to sit at Wrigley?

The bleachers are great for a bachelor/ette party weekend in a big beer garden that happens to have a baseball game going on in it. For kids to actually be able to see the game, the section recommendations above are good. We occasionally get to sit in company seats in section 122, and it’s amazing h...
by rcjchicity
Wed May 22, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 6807

Re: College/life prep for young kids

My book recommendations in order of importance to me as a parent of teenagers: Last Child in the Woods by Richard Louv How to Raise an Adult by Julia Lythcott Haims The Coddling of the American Mind by Greg Lukianoff and Jonathan Haidt i-Gen by Jean Twenge I just finished reading "How to Raise an A...
by rcjchicity
Thu Apr 04, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Having a Baby - Stay Home Cost analysis
Replies: 33
Views: 2547

Re: Help! Having a Baby - Stay Home Cost analysis

I've read through the original post a couple of times to try to decipher the numbers. OP, am I understanding this correctly - If you took off, you would presumably be off from Feb - June 2020, and then return to work Sept 2020? With both spouses working full time, your approx gross income is $200,00...
by rcjchicity
Thu Mar 14, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6830

Re: Peanut Butter recommendations

I’ve been eating Kirkland’s Organic Creamy PB for several years and think it’s one of the better ones. It’s basically just the peanuts with a little sea salt. This is it -- Costco / Kirkland 2 pack of peanut butter. I stir both as soon as I get home, and put both in the refrigerator. I used to only...
by rcjchicity
Thu Mar 07, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Pharmacist - Need advice
Replies: 27
Views: 2502

Re: Pharmacist - Need advice

Another thought that might be a closer transition from retail than to inpatient hospital, there are ambulatory care pharmacists, helping patients manage medications such as coumadin, anti-hypertensives, cholesterol meds, anti-diabetic meds, etc. In addition to lots of patient counseling, knowledge o...
by rcjchicity
Wed Mar 06, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmacist - Need advice
Replies: 27
Views: 2502

Re: Pharmacist - Need advice

Props to your DW for making it in retail pharmacy for > 20 years. I spent 1 & 1/2 years at an Osco during pharmacy school and hated every second of it. For my background: I started as a hospital pharmacist for 5 years after a pharmacy practice residency, but moved into Informatics Pharmacy about 10 ...
by rcjchicity
Sat Jan 19, 2019 5:05 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1012
Views: 136542

Re: Post your Financial Milestone Announcements Here

After 15 years of contributions, this year's Roth (technically backdoor) contribution finally pushed me over the $100k mark for that account for the first time. (Overall retirement funds are nearer to $600k).

Wish we could contribute more to Roth accounts!
by rcjchicity
Mon Jan 07, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: B&M bank in Chicago to complement Ally?
Replies: 21
Views: 966

Re: B&M bank in Chicago to complement Ally?

I've used Chase (previously Bank One) for over 15 years in Chicago. ATMs everywhere. Works fine for what you need a B&M bank to be.
by rcjchicity
Wed Jan 02, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Garage and playroom storage / organization
Replies: 3
Views: 403

Re: Garage and playroom storage / organization

For kid's playroom, we have two of these storage cubbies: https://www.wayfair.com/baby-kids/pdp/viv-rae-leonor-stacked-6-bin-storage-cubby-vvre1165.html I like them better than storage cube shelves, because the angle out at the bottom keeps small things in (like legos, magnatiles, cars, balls, etc),...
by rcjchicity
Mon Nov 19, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Millennial behind - but still have time to [catch up]
Replies: 20
Views: 2388

Re: Millennial behind - but still have time to ketchup

I read another article this morning - they all tend to say the same thing 'when comparing millennial ~25-35 to the baby boomers, they are doing much worse (income, assets) after adjusting for inflation. The articles point to a number of reasons the author things this is the case (great recession, c...
by rcjchicity
Mon Oct 15, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 544

Re: Went part time - health ins premiums staying same for 2018 due to ACA

Not what I meant. Let me try again. There is probably a pert-time thresshold where the employer provides health insurance benefits. Suppose that thresshold is 20 hours per week. Might the employer only allow you to work less than the 20? At < 24 hours/week, I would be considered a casual employee, ...
by rcjchicity
Mon Oct 15, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 544

Re: Went part time - health ins premiums staying same for 2018 due to ACA

dm200 wrote:
Mon Oct 15, 2018 2:53 pm

Maybe your part-time hours are at or above the thresshold where the employer provides such benefits.
Nope, for benefits, my employer considers full time to be 35 hours/week. I work 24 hours/week.
by rcjchicity
Mon Oct 15, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 544

Re: Went part time - health ins premiums staying same for 2018 due to ACA

Thanks! It's only been a couple of weeks, but I my stress level is much lower. I can feel that in my interactions with the kids - I'm more patient with their temper tantrums, for one thing. We haven't fully felt the financial impact yet. But a quick calculation shows that although I'm taking a $60,0...
by rcjchicity
Mon Oct 15, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 544

Went part time - health ins premiums staying same for 2018 due to ACA

I recently went part time, and was expecting my health insurance premiums to increase because my employer does not subsidize them as much for part-timers as full-timers (a "part-time surcharge"). However, my HR benefit adjustment letter stated that I will still be charged the lower full-time health ...
by rcjchicity
Fri Sep 14, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: UPDATE: Requesting to go part time - negotiating strategies

most daycares it is only marginally cheaper for PT vs FT, because they have to maintain ratio's for profitability. My sons daycare and others I have seen, the PT is only about 10-20% cheaper, for 40% less care, vs you have to take half your pay, to offset the 10-20% cheaper, so it isn't worth it fi...
by rcjchicity
Fri Sep 14, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Single Family Homes in Chicago?
Replies: 33
Views: 3826

Re: Single Family Homes in Chicago?

We live in Roscoe Village in a SFH, and you're right, inventory for < $1M houses is slim pickings. We had causally looked at open houses for about 6 or 7 months before finding our house, which the sellers had put on the market a week before Christmas due to a sudden job relocation. I also recommend ...
by rcjchicity
Fri Sep 14, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: UPDATE: Requesting to go part time - negotiating strategies

OP here: So, after many months of looking for other opportunities which would allow me to work part time but stay local to the Chicago area (which I found don't really exist), my director offered up the idea of me joining a project team at at 0.6 FTE (Monday/Wed/Thurs, 24 hours/week). My new schedul...
by rcjchicity
Mon Sep 10, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1473

Re: Singing/Voice Classes

Join a church choir. It's free. :D +1 I took voice lessons from 7th grade through my mid-20's, and have sung semi-professionally in college choirs, symphony choruses, civic groups, and, of course, church choirs. I have no idea how much cash my parents dropped for lessons when I was a kid. Once out ...
by rcjchicity
Mon Sep 03, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3650

Re: Nanny online payment services - why are they so expensive?

HighC wrote:
Fri Aug 31, 2018 12:21 am
Try SavvyNanny. It is a front end for Intuit at discount prices. Should cost about $400/yr. Well worth it.
+1. We used Savvy Nanny Payroll as well.
by rcjchicity
Mon Sep 03, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 9339

Re: Ladies: bra shopping question

My first W2 job was at Victoria's Secret. While we were trained in how to measure clients during a fitting, it wasn't good technique. Plus, the size options are rather limited. Many years ago due to Oprah recommending a bra fitting place (Rigby & Peller, formerly known as Intimacy), I was properly f...
by rcjchicity
Wed Aug 22, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1646

Re: Biking with 2 young children - what gear to get?

OP here - Thanks for all of the input. We just got a Burley bike trailer off of Craigslist but haven't put it to the test yet. I will definitely keep all of the safety suggestions in mind. We recently went for a family outing on one of the forest preserve bike trails (DH with one kid on his bike and...
by rcjchicity
Tue Aug 14, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1646

Re: Biking with 2 young children - what gear to get?

The trailer is good for short jaunts with both kids, but for longer travel they start to pester each other as the trailers are narrow. +1. Same experience with two kids the same age (twins). Within two minutes of strapping them both into a bike trailer, they were at each other's throats. So I would...
by rcjchicity
Tue Aug 14, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1646

Biking with 2 young children - what gear to get?

I've resolved to stop using my kids (ages 2 & 4) as excuses to not be more physically active :D Pre-kids, DH and I used to enjoy going on long bike rides (20 + miles) around Chicago, and I would occasionally bike to work. We have 2 good Trek bikes, and mine has a rack + pannier bag. In the past 5 ye...
by rcjchicity
Fri Aug 10, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5647

Re: Air Conditioning? [How to finance?]

Timely post - I just brought up to my husband the idea of installing central air on our 1st floor. We live in a 3-story 1890's Victorian cottage that was a duplex until about 20 years ago. The 2nd & 3rd floors have central air & heat, but the 1st floor (which is technically the basement since it's a...
by rcjchicity
Wed Aug 01, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Storing Cord Blood For New Baby
Replies: 13
Views: 1762

Re: Storing Cord Blood For New Baby

Not common or mainstream.

Donate it, if your hospital is set up to collect the donations (for our first child we could donate it, but by our second child the hospital had stopped doing it)
by rcjchicity
Tue Jul 10, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 6086

Re: Should I take a $60k paycut to work 4days/week

Yes - do it! 1) As others have said, at your marginal tax rate, $60K gross isn't anywhere near $60K net. 2) Two kids is a whole different ballgame. One kid is a life-changer, but eventually they're your little sidekick. With two kids, they are constantly going in different directions, or both clamor...
by rcjchicity
Sat Jun 23, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 23663

Re: Did you celebrate when you finally hit $1m?

DanMahowny wrote:
Fri Jun 22, 2018 7:12 am
I clapped while sitting in my home office alone as I watched my Quicken net worth update to over $1m.

After informing my wife, she said, "cool"
My husband was at work when I updated Quicken and it was 7 figures. So I texted a picture of it with a "whoo hoo" caption and then went on with my day.
by rcjchicity
Mon Jun 18, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 6462

Re: Is individual Bonds better than Bond Fund?

Suze does a disservice to her average viewer-/readership with this advice. While there can be merits to holding individual bonds, as expressed in this thread, the average person in the accumulation phase does not have the means or investing knowledge to create a sufficiently diversified bond ladder....
by rcjchicity
Mon Jun 18, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1561

Re: Best stroller+infant seat for gravel roads?

Millennial wrote:
Sun Jun 17, 2018 9:21 pm
We used the Chicco Keyfit 35 and BOB Revolution, with car seat adapter.
+1 for BOB + Chicco Keyfit 35. While I live in a city and don't have to deal with gravel, I do have to deal with snowy, frozen over, poorly shoveled sidewalks. You can steer the BOB stroller using only one hand.
by rcjchicity
Mon Jun 11, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 6238

Re: How do you celebrate (potty trained kid) milestone with your spouse?

PFInterest wrote:
Mon Jun 11, 2018 12:34 pm
wine.
a day without the toddler.
with wine.
+1,000

I never thought that dealing with another human's bodily functions would consume so much of my mental & physical energy. But, with a 4 & 2 year old, the poo emoji gets lots of text message utilization at our house.

Congrats!
by rcjchicity
Fri Jun 01, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Replaced beater car, oh how ever to regain feelings of financial superiority?
Replies: 29
Views: 3834

Re: Replaced beater car, oh how ever to regain feelings of financial superiority?

carguyny wrote:
Thu May 31, 2018 11:26 pm
If you're patient and ok with loaners/demos you can lease a new A4 for $200/mth or less.
Lease?!?

*pearl clutch*
by rcjchicity
Fri Jun 01, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Replaced beater car, oh how ever to regain feelings of financial superiority?
Replies: 29
Views: 3834

Re: Replaced beater car, oh how ever to regain feelings of financial superiority?

Watty wrote:
Thu May 31, 2018 9:55 pm
You might have to wait until you run into the situation where you have a paid off house and you end up in a group of people that are talking about mortgage rates.
Something to look forward to! I like it. :D
by rcjchicity
Thu May 31, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Replaced beater car, oh how ever to regain feelings of financial superiority?
Replies: 29
Views: 3834

Re: Replaced beater car, oh how ever to regain feelings of financial superiority?

tadamsmar wrote:
Thu May 31, 2018 8:54 pm
The new car is much safer. If the guy looks at the stats on electronic stability control he will realize this and might begin feeling superior to his old self.
He's feeling better already. Thanks!
by rcjchicity
Thu May 31, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a "Flipped" House?
Replies: 27
Views: 3563

Re: Thoughts on Buying a "Flipped" House?

As someone who "flips" houses every five to ten years, it isn't limited to flippers. I've found many shady construction jobs done on houses inhabited for decades by a prior owner. I'm six years into this house and have found many things that make me cringe. Personally I think it is just the fact of...
by rcjchicity
Thu May 31, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Replaced beater car, oh how ever to regain feelings of financial superiority?
Replies: 29
Views: 3834

Re: Replaced beater car, oh how ever to regain feelings of financial superiority?

If he wants to regain his sense of superiority, go down to one of the rental car sales lots and let him buy a used Accent/Corolla/Versa or the like that is a couple of years old and let him drive it another 10 years. Besides, why would you want to buy a nice car in Chicago and put it through that a...
by rcjchicity
Thu May 31, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Replaced beater car, oh how ever to regain feelings of financial superiority?
Replies: 29
Views: 3834

Replaced beater car, oh how ever to regain feelings of financial superiority?

Despite being an attending physician for 10 years, DH had been driving his well-worn 2004 Chevy Cavalier "doctor car" that he's had since med school*. This is the car that he could bring up with miserly pride to residents, nurses, patient care techs, etc. when they mention their much more expensive ...
by rcjchicity
Wed May 30, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: Requesting to go part time - negotiating strategies

Shott, sorry to hear that. Is there any chance you could have a meeting with your supervisor and discuss more flexibility or some unpaid time off? I think your chances may be better if it's face to face and off the record (nothing in writing). Also, I would be open with how you're feeling because y...
by rcjchicity
Tue May 29, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: Requesting to go part time - negotiating strategies

On the upside, about an hour after receiving notice that my request was denied, I received an email invite for my organization's Press Ganey employee engagement survey. So I got to vent.
by rcjchicity
Tue May 29, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: Requesting to go part time - negotiating strategies

Have you heard back? Have you thought about having the conversation in person. Managers may be more likely to give a verbal ok to more flexibility than having something written down, especially via email. At least that was the case for myself and my spouse. Just heard back this morning - request no...
by rcjchicity
Fri May 25, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 6600

Re: Alexa Echo sent family's audio file to a contact

We joke that because our 2-and 4-year old throw temper tantrums and scream for 90% of their waking hours (or it just feels like it), that Alexa has put our household on mute in the spying department.
by rcjchicity
Wed May 23, 2018 11:52 am
Forum: Personal Investments
Topic: Parents with pre-K kids and 529 target
Replies: 50
Views: 3823

Re: Parents with pre-K kids and 529 target

4 yr old and 2 yr old here We'd like to have $100k per kid in a 529 but likely not gona happen. We'll have a paid off house by then. Plus they can have a little skin in the game. We have kids the same age & the same $100k per child goal in a 529, with taxable savings/investments as the source after...
by rcjchicity
Mon May 21, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Update: New iPhone - Older iPhone text msgs disappear
Replies: 29
Views: 2158

Re: Older iPhone text msgs disappear

I'm not having as bad of an issue as OP, but my iPhone 5s has misbehaving text messages that started with one of the iOS updates last year. With my issue, text messages - particularly from my husband - often, but not always, flash on the notification screen then disappear. However, unlike OP, they s...
by rcjchicity
Mon May 21, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: Requesting to go part time - negotiating strategies

Would working from home 2-3 days a week give you the flexibility you need? Depending on the specifics of the job and employer, that may be easier to negotiate than going part-time, and you would be able to keep your full-time salary and benefits. This is one set up I want to avoid agreeing to. I'd ...
by rcjchicity
Wed May 16, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: Requesting to go part time - negotiating strategies

I sent off my response to the director - I crafted a very different response than if I hadn't received all of your helpful input. I described my "work-life balance" struggles; referenced the Working Mothers 100 Best Company award and how schedule flexibility contributes to that; mentioned my high le...
by rcjchicity
Tue May 15, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 2207

Re: Interesting/Playful ideas for 1 year baby

I'm wondering how you can possibly have so much time that you run out of things to do. My work schedule is light, and my wife stays home with our two kids, and life still seems crazy. Our 18 month-old wakes up from her nap at 3:00 or 4:00, and it seems like just preparing dinner, eating, cleaning, ...
by rcjchicity
Tue May 15, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: Requesting to go part time - negotiating strategies

Why don't you say yes (that you intend to quit), and mean it? You have a lot of "excuses" as to why you haven't done it yet, or why this job is important to you, or how you can't "part time it" because you would have to pay for 2 extra days of day care. Tell themyou will quit if youare not allowed ...
by rcjchicity
Tue May 15, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5812

Re: Requesting to go part time - negotiating strategies

OP here - lots of great things to consider. I hadn't thought of offering a trial period, primarily because of daycare. I have to give 30 days' notice before a schedule change is in effect, so I'd rather not work 3 days a week while paying for 5 days a week daycare (or quickly have to go back to 5 da...