Search found 183 matches

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: 507

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: 507

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: 507

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: 507

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: 5113

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: 3549

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: 5113

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: 1390

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: 3397

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: 8792

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: 1534

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: 1534

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: 1534

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: 5387

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: 1634

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: 5857

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: 22364

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: 5423

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: 1259

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: 5642

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: 3645

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: 3645

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: 3645

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: 3392

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: 3645

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: 3645

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: 5113

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: 5113

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: 5113

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: 6171

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: Investing - Help with Personal Investments
Topic: Parents with pre-K kids and 529 target
Replies: 50
Views: 3418

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: 1984

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: 5113

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: 5113

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: 1903

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: 5113

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: 5113

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...
by rcjchicity
Tue May 15, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5113

UPDATE: Requesting to go part time - negotiating strategies

Looking for tips on how to negotiate my request to go part time. I have wanted to go part time since my 2nd child was born a couple of years ago. However, at that time, numerous barriers to that idea existed - we did a 6-figure renovation of our house, my employer was undergoing a huge multi-year pr...
by rcjchicity
Sun May 06, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 9477

Re: What career for smartest kid in the class?

Why do so many of the answers focus on money almost immediately? Isn't the real answer that the smartest kid should do whatever career they feel they will succeed in and enjoy fulfillment? After all, they are the smartest kid in the class. Reading OP's post initially, it does seem to focus on a hig...
by rcjchicity
Sun May 06, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a Condo -- Educate me on Insurance
Replies: 10
Views: 1232

Re: Moving to a Condo -- Educate me on Insurance

When I shopped around for condo homeowner's insurance, the descriptions given to me of what it covered was pretty much "from drywall on in". Bigger stuff with the building itself comes under the HOA reserves. So, condo insurance is usually cheaper because of that. But for big issues with the buildin...
by rcjchicity
Fri May 04, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Moving downtown Chicago. Should I sell my car?
Replies: 41
Views: 3033

Re: Moving downtown Chicago. Should I sell my car?

If you don't live in easy walking distance, I'd ensure there's a reasonably easy public transportation option to get to work/school that doesn't require a change. i.e. a single bus or L train that can take you there. Commuting during Winter kind of sucks. You're not going to want to take one bus to...
by rcjchicity
Thu Apr 26, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Best Breweries - Chicago
Replies: 11
Views: 989

Re: Best Breweries - Chicago

Strangepenguin has a very good list for you. There are tons of places to go out Downtown/River North, especially for interesting cocktails. But, it's not exactly ground zero for craft beer. You'd need to Uber it out to one of the neighborhoods for that. Grab dinner at Revolution Brewing in Logan Squ...
by rcjchicity
Mon Apr 16, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Advice for daughter entering into college shared rental situation?
Replies: 17
Views: 1659

Re: Advice for daughter entering into college shared rental situation?

They should have a clear understanding about how often boyfriends can spend the night. I have seen situations where a boyfriend or girlfriend was spending so much time at an apartment that they should really have been paying part of the rent and it at times awkward when people were going to and fro...
by rcjchicity
Fri Apr 13, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1865

Re: PayPal fund request from unknown person?

Clark Howard just talked about people "accidentally" depositing money into someone's Paypal account and then claiming it a mistake and asking for it to be returned. These are probably people churning cards for cash, but it could be something more sinister. Interesting - I had this happen a few week...
by rcjchicity
Fri Apr 13, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1865

Re: PayPal fund request from unknown person?

Clark Howard just talked about people "accidentally" depositing money into someone's Paypal account and then claiming it a mistake and asking for it to be returned. These are probably people churning cards for cash, but it could be something more sinister. Interesting - I had this happen a few week...
by rcjchicity
Sat Apr 07, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 4129

Re: How do you estimate your home's market value?

These threads are always interesting for people's opinions, because your house's worth isn't going to be known until you sell it. For example, I bought a condo in 2004 for $220,000. An appraisal for a refi in 2006 put it at $250,000. In 2011, it sold for $172,000. :shock: I had tracked the previous ...
by rcjchicity
Mon Apr 02, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Job advice
Replies: 13
Views: 1334

Re: Job advice

My husband was in a similar position a few years ago, take a pay cut for a hospital ~ 1 mile away from us vs. continue a long commute. He also works weird hours (Emergency medicine) He took the new position and quickly realized how bad the commute had been for his physical and mental health, althoug...
by rcjchicity
Wed Mar 28, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 4001

Re: Am I being stubborn about housing purchase

Most people telling you that buying a house is a great investment are only thinking about purchase price and sale price. If you actually sat down and factored in closing costs, non-tax deductible mortgage interest and property taxes, home maintenance and remodeling costs, and likely higher utility c...
by rcjchicity
Sat Mar 17, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: New job transition and pregnant - when to inform employer?
Replies: 30
Views: 2862

Re: New job transition and pregnant - when to inform employer?

We had 3 miscarriages and one "vanishing twin" - the latest occurring at 12 weeks. Telling an employer anything before then is definitely not necessary. (Although since no one talks about miscarriages, you feel like you're the only one it's happened to. Until you talk about it and people come out if...
by rcjchicity
Sat Mar 17, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: What are the jobs with the best medical insurance?
Replies: 51
Views: 4293

Re: What are the jobs with the best medical insurance?

I work for a large academic medical center that is currently part of a 5-hospital system. Even when a stand-alone hospital, the health benefits have been of the "Cadillac"type. The health system self insures, and the benefits are greatest if you stay within the system. Colleagues who have left remar...