[-]DH laid off from Wall St job 5 months ago -- but he is only 2yrs out of MBA and we are still in our 20s....he has opportunity to go to Seattle for 40% less pay than last good year on Wall St (probably only 10-15% down from last year though). Will prob take 3-4 yrs to get back to his old pay in corporate job out there. Also, DD on the way....in 3 months...our first! Thoughts on decision?
22 replies [ Reply | Watch | Options ]Thanks...since he has been doing Wall St for past 2 years, he is a junior person so not like all these other posters here who have 10+ year senior DH's making $5M that bring in all the deals -- I assume they can find jobs (somewhat) more easily. My question sought some advice on the "quality of life" component. He could probably get a corporate job here, but that pay doesn't go very far even in the burbs...
[ Reply | Options ]
-
-
OP: DH said the company is Fortune 50 (I guess that means big)...and its actually laying off tens of thousands right now, but they want to bring him in to help "fix" things supposedly -- plus position is one notch short of senior exec level, so he thinks it's almost in that zone where you get more senior than the "layoff zone"...whatever that means. All signs seem to say go....tough for a born and bred NYCer like me to imagine raising kids anywhere else though! He's from TX orig, so he doesn't really care.
[ Reply | Options ]OP: Is there such a thing as security anymore? Unless you're a pediatrician? Seriously though, the company is laying off tens of thousands right now -- but they say he's coming in at a senior above level (exec) that he's "above the layoff zone." I didn't know there was such a thing, but he's basically a "fixer" and this place apparently needs "fixing." He was a private equity person for a hedge fund, which closed -- I guess anything has to be more stable than that....
[ Reply | Options ]
-
Tough choice--we are both from east coast, lived in Seattle BEFORE and when we had our first--he was born there--VERY tough to be far from family, 5 hour plane ride, etc. So, you are wise to consider that. Hubby was actually just laid off here--we are in NYC metro, but we could not go back---we have two sons now, and being that far away just isn't for us--but, if you need to pay the bills, you need to pay the bills. Any thoughts on staying on the east coast and leaving NYC--I guess it depends on how close you are to family. GL! We LOVED Seattle and if it weren't so far away, would go back in a heartbeat!
[ Reply | Options ]
[-]dh and i are thinking of moving with 18 mo ds to seattle from nyc in about a year and a half. i am just fed up with the stress here and the 'just getting by.' we recently visited seattle and fell in love. anyone know anyone else who did similar. and big cross country move?
32 replies [ Reply | Watch | Options ]I moved when I was single, but there is an influx of young families moving in from other states right now. Good Luck with the move, the pace is much different here!
[ Reply | Options ]Yuck! Seattle has nothing going for it. It's only sunny 52 days out of the year. Not on par with NYC academically, culturally or socially. Lived there for 3 years, glad I came back to NYC. Good luck!
[ Reply | Options ]-
np: I disagree. I love Seattle- the Seattle art museum is great, there are a lot of artists, musicians & writers that live there, 2 hrs from Vancouver or SF, beautiful 1920s bungalows, desert or amazing nature nearby. One would move there to do something different from NYC, not to replicate it.
[ Reply | Options ]exactly. As if NYC is the standard of excellence. Not everyone wants that pace, thanks.
[ Reply | Options ]And, after awhile, one can become potbound in NYC. It isn't sustainable financially for many and there are people that prefer to live in balance with a natural setting- can't have a garden in the city. Plus, there are better places to raise kids than the relentless grind of the city...
[ Reply | Options ]
Just to nit-pick: it is more like 2 hours to Vancouver, BC or Portland, OR. Going to SF will take at least 8-10 hours.
[ Reply | Options ]
-
we are thinking of doing this-but for Santa Barbara (dh has a job offer there now). not sure if we will go through this-it is more quality of life. things aren't so stressful in ny for us (kids settled in schools, apt paid off, etc), but dc's would have own rooms in home/yard/way more access to outdoor activities and sports than they do now. not sure if it is worth it though-a lot of car/schlepping around, etc
[ Reply | Options ]-
The weather would get to me. But if you don't think it would then I'd go for it. There are probably pockets there that are hyper competitive and crazy. But what I'm reading on her about NYC freaks me out and makes me glad we don't live there--it seems like Seattle would be preferable.
[ Reply | Options ]-
You can get ahead in Seattle vs. NYC because Seattle has a much lower standard of living. But this assumes that household income is the same. It is a kid friendly city. If anything, pollution is less and people are more laid back. Check out Seattlemag.com for a peek at Seattle happenings.
[ Reply | Options ]wow! all these people moving from NYC! i recently made the move here from NYC at the end of this past April. i always have a hole in my heart for NYC, but i love Seattle (so far at least - i've yet to experience the winter!) the summer has been BEAUTIFUL and perfect - no humidity, super hot weather, generally a slight breeze, fresh air, etc. the food is less than to be desired for delivery! i miss being able to call up ANYONE and get ANY kind of food delivered to my door. i think overall, it's worth it to be here in seattle. you definitely get more for your money and i'm giving my daughter what i had - a backyard to slip-n-slide in, fresh air, sidewalks to teach her to ride her bike (when she gets old enough). we can always visit N...
[ Reply | Options ]My husband and I did that same thing about 18-months ago! It's been good in that my husband LOVES his job here. He was in I-banking in NYC and hated it. It's been great for our 2.5 year old son - he has a lot of space, etc. I really miss my friends from NYC, though. It's definitely a lifestyle change but a great, great city. Feel free to ask me any questions!
[ Reply | Options ]
Interview for dream job: strategy for selecting a date, time, time to respond, means of responsing (email or phone)? I have to select 2 times and there is one day with 5 time slots, then another day the following week with only 1 9am interview slot. Are they more likely to form a positive bias for an early candidate or better recall a later candidate's positive attributes? WWYD? I know its excessive, but with the bad economy, my current not great job...I want to do everything perfectly. Also: best time to reply- after work? They might have read-receipt though (it was via email)
[ Reply | Watch | Options ]
[-]Anyone take an SRI that didn't cause weight gain? Packing on the pounds with Lexapro, and ironically it's making me feel worse
14 replies [ Reply | Watch | Options ]
[-]why do ppl always think babies have "gas"??? 1st my mil tries to give my baby 7-up for "gas" now the woman watching my 3 month old called asking if it was OK to give her flaxseed oil for "gas." I am freaking out, want to leave work and go pick her up. I didn't pump milk for her to be fed weird stuff for no reason.
35 replies [ Reply | Watch | Options ]a) just say no to both of them (and at least your nanny did call to ask permission....) b) could your kid have some food allergies which are causing colic/reflux maybe?
[ Reply | Options ]Food allergies to breastmilk? Like maybe something I ate? And I don't think so, she is a high energy little baby sure, but I never think she had "gas" when I have her. Yeah, she might have to burp, but I feel like ppl use "gas" to mean "I don't know what's wrong"- she would probably settle down if she took her out on a walk or somthing.
[ Reply | Options ]np: I had a similar experience. turned out Db had reflux bc she was highly sensitive to dairy and soy so i had to take them out of my diet. I got annoyed too with everyone thinking it's gas and mylicon never did crap - but obvioulsy DB must be more fussy than the avg baby and there might actually be a physical reason for it (my DB was/is highly active as well but her excessive fussiness turned out to be b/c of reflux, a physical probelm. so you should be open to the possibility that it is that
[ Reply | Options ]
-
Our dr. recommended Mylicon, which is in any drugstore. It's supposedly really gentle, may actually help, and it will allow your MIL and nanny to feel like they're doing something without doing any harm. FWIW, lots of babies do get gas, and it's quite uncomfortable. That's why it's important to burp them so much, but even this doesn't help always. I used to always give Mylicon drops right before feeding. Also, you may want to switch bottles. Dr. Brown's are good for gas b/c the baby supposedly gets fewer air bubbles and Playtex has ones with these disposable liners that also help prevent gas.
[ Reply | Options ]OP update: OK, she called me agin, said db is doing better, apparently woke from a nap farting/not happy etc but now its passed and db is doing better. She said she could give me some "fennel tea" to drink that would pass into milk and help with gas. I sort of like natural healing but stop short of giving baby anything orally that is weird. But I am ok to drink weird tea. Also, what should I avoid eating to prevent this so she is not tempted to give me poor db anything that I feel is sketchy?
[ Reply | Options ]
[-]I am having the most tragic day EVER, I feel like someone died. Db was doing fine with the bottle (EBF, pumping), but she wasn't taking the breast well. So I stopped her on the bottle for the most part, stopped the paci (which she wasn't that enthused about anyways) and she was latching fine and taking bottle occasionally (like when dh was feeding). Now I have to go back to work Tuesday (very upset about this) and she is not taking the bottle, its like she knows. She cries when I offer the bottle and nuzzles me; she'll take it eventually but I am so crushed. She so obviously wants to hang out with me all day and I am so depressed about leaving her. Anyone btdt and stayed sane? I can't believe how strong the emotions/connections are with t...
30 replies [ Reply | Watch | Options ]-
thanks, I probably do need to get yelled at. I wonder if this is hormonal or if I am this emotional of a person generally? I am fast becoming one of those over-involved freako moms I used to make fun of. Maybe I need drugs. Hopefully I will calm down one the 1st week is over and she is fine (and I am fine, since I think I will be more crushed than she will be).
[ Reply | Options ]
"Most tragic day EVER." *SNORT*. What colour is the sky in your charmed little world, Princess?
[ Reply | Options ]Why be so obnoxious to the OP--she obviously feels very connected to her db--that's NORMAL--just not a feeling most of you freaks who are criticizing her can understand. It will be tough, but you will get through it. GL and don't listen to those who are mocking you--VERY normal to feel the way you are feeling.
[ Reply | Options ]
I ended up quitting my job because my DD wouldn't take a bottle. She knew where the good stuff came from and wouldn't accept anything else. I have no regrets at all. I totally disagree that kids will always take a bottle. I know of friends whose babies wouldn't take the bottle and the moms returned to work, their babies just wouldn't eat all day and would nurse all night. Its called reverse cycling.
[ Reply | Options ]well, she will take it eventually and she preferred it at one point. But since I started using the bottle more to transition, her close to sleeping through the night did reverse to being up all night... I am very tired. I just wish I had kept her on the bottle more, but I didn't realize she could unlearn her preference for the bottle. I just broke down and fed her from the breast, I knew it was screwing myself over but I hate watching her cry. Now tomorrow we are doing the bottle all day, and I am reintroducing the paci.
[ Reply | Options ]-
-
OP: could I try a different bottle nipple? Also, what is the optimal temp for the bottle? And should I get up a make a stupid bottle at night so she does just one? (But then that is no sleep at all).
[ Reply | Options ]OMG, this is serious, my heart goes out to you. I can't believe how incredibly rude some of these responses to you are. I swear there are people who hang out here all night and just look to pick fights. Of course you are sad, worried, scared, etc. Of course she nuzzles and wants to be with you. Just remember this ... she is not going to starve. It may not be an easy transition, but she will be okay. As for those of you who quit your jobs -- good for you! I love that you put your baby before your work -- not everyone can -- not pathetic, laudable.
[ Reply | Options ]
Hey, I go back to work this week, too. It sucks royally, but you will get through it and so will your daughter. GL!
[ Reply | Options ]Mine would never really take the bottle - it had nothing to do with me going back to work - they don't really notice at that age - she's five now & no permanent scars
[ Reply | Options ]Op here: she is taking the bottle OK again (thanks pacifier!), but I'm still not happy about going back to work. DH's job won't let him go to 4 10's, and neither will mine. Cost of daycare might sink us financially anyways, this should be an interesting process. Maybe one of us will lose our jobs so we can give up and go bankrupt and I can stay home since that might happen anyways.
[ Reply | Options ]
[-]Do I HAVE to go through an agency to get an au pair? I can pay the wages and room and board, and split an airline ticket, but if I have to pay 7k on top to an agency poor db might be stuck at an anonymous daycare. If I find the au pair online do I really need the agency?
12 replies [ Reply | Watch | Options ]No, but I would be very leary of this myself. I was considering this (ended up with agency) and I think the website i looked at was www.greataupair.com or something like that for girls that are and are not connected with agencies.
[ Reply | Options ]yes, thats what i was looking at, and you can pay for screening, etc. But what i don't understand is how it works if they have no visa- would i sponsor the person and how much $/time is that process? I would prefer an au pair that was already in the us or had a visa.
[ Reply | Options ]Exactly. Everyone would do that if they could, that's the point of the agency. I have no idea about $$ or time, but I'm willing to be it's a huge PITA. Plus, you have to rely on the girl to get her stuff together on that end and if she doesn't or she arrives and is a flake? At least with an agency they may have other girls available on short notice (big "May" in that department).
[ Reply | Options ]Should mention -- and it's only 1 person's experience -- but have a friend that decided to use an independent au pair already in country. She was horrible. She came home to find toddlers crying in cribs and nanny napping with door shut in the other room. Lied about where she was with kids.
[ Reply | Options ]
There's a ton of paperwork involved and there are strict govt regulations for au pairs in america. If you want it to be legal (and your au pair to be insured) you need to go through an agency for screening/visa/orientation (part of the govt regulation)/etc. Even if you find your own au pair, you need an agency to make the whole thing legit.
[ Reply | Options ]If you do it yourself you're looking at an extra 80 hours minimum on top of your regular jobs (paying work and your children). The paperwork is daunting and the fees are still high when you go it alone. The agencies pay for phone cards for interviews, health insurance, liability insurance, replacement au pairs and for background checks in addition to the visa fees and paperwork.
[ Reply | Options ]You should go through an agency, but you need to do your homework first! Sign up only with one of the 12 designated au pair agencies that are monitored by the Department of State. Also, you should know how to interview for the best au pair - many of these girls are not experienced with children, they do not drive and do not speak good English.
[ Reply | Options ]Hi - I didn't quite finish my post - I wanted to say, you need to go through an agency but find one of the 12 designated agencies that are monitored by the Department of State. Also, you will need to carefully interview your au pair - many of these girls slip through the screening process and do not drive, cannot speak English and have little or no experience with children. Please visit my website www.aupairclearinghouse.com where we just posted our Top Three Au Pair Agency Picks for 2009. WE ARE NOT an au pair agency, but a free clearinghouse on information in the au pair industry - I retired after a decade in the industry and I wanted to share my experience with other host families to avoid the many (and often tragic) mistakes I have s...
[ Reply | Options ]
[-]Has anyone else decided to let their infant get only 1 vaccine shot at a time? My 3 month old son is scheduled to receive two individual vaccines both of which are for meningitis (hib and prevnar). We are only going to give him the hib shot for right now--am I doing the right thing--any advice--also if you only let the doc give your child 1 at a time how far do you space the shots?
10 replies [ Reply | Watch | Options ]before you do this, ask yourself how you would feel if god forbid, your child contracted meningitis prior to getting a vaccine that you had decided to delay.
[ Reply | Options ]Its OK to give HIB and Prevnar together. Hin (sanofi-pastuer brand) does not have aluminum and its very non reactive.
[ Reply | Options ]asked my dr about this, she suggested doing it at once as it hurts and is upsetting for db and waaaay better to get it over with than keep bringing him/her back to get stuck again just b/c we're all neurotic
[ Reply | Options ]
[-]anyone know about "Parent Directed Feeding" (Book "Becoming Babywise"). Friend gave me the book, but it says to feed the baby, have awake time, then nap time, in about 2-3 hour cycles (db is 3 weeks). The idea is to get a routine and then it talks about transitioning to sleeping though the night. I would like opinions on establishing routine and also on the idea of having a baby awake after eating (is that even possible??).
15 replies [ Reply | Watch | Options ]according to the book it is possible. according to some parents on here it is possible. I fed on demand and let baby sleep every 2-3 hours for as long as she could. every day seemed different as she grew/growth spurts/colic. no "schedule" until about 6-7 months when she started sleeping through the night.
[ Reply | Options ]The Baby Whisperer recommends the same schedule and I think it really works. Babies thrive on a schedule (as do all children, I believe) and the more they sleep during the day, the better they are at night. I started my second DD on a schedule at 4 weeks and it's going really well. She slept through the night at 3 months. Good luck!
[ Reply | Options ]PDF worked like a charm for me both times. Around 3-4 weeks, they stop falling asleep every time they nurse. At that age, feeding took 30-40 minutes, kept db awake for another hour or so, then they would sleep for an hour or so. Then it started again. Problem with PDF is in the evening if you're breast feeding. They will likely want to cluster feed unless you pump after morning feedings and top off with a bottle in the evening (not enough milk in the breast at that time of day). Both my dc slept through the night early with this method, fwiw.
[ Reply | Options ]did tis exactly thing for my preemie twins, slept thru the night like 6 -7 hrs @ 3 .5 months, it works
[ Reply | Options ]DO NOT DO THIS METHOD, even my OB-GYN printed a special flyer for all her patients saying this is very very dangerous and not to do.
[ Reply | Options ]OP: thanks everyone, sorry I haven't checked back. I really appreciate the responses, I attempted the schedule 1/2 of one day and then she woke up and wanted to eat after 2 hours, so I fed her. Dh came home and was like, how was that schedule working for you, and I told him I had already scrapped it. Maybe I will attempt a schedule later on when it makes sense. My next question: how horrible is going back to work going to be after 3 months if she doesn't sleep through the night? I hope dh gets his promotion so I can quit- I hate my job anyways but we need the $.
[ Reply | Options ]I have Babywise (and a 4 month-old). I recommend Wysebluff's (sp?) "Healthy Sleep Habits, Happy Child". It turns out it's less important how/when you feed your baby when you're concerned with getting more sleep. It's their brain that needs to be ready for long sleep periods, and once they're ready, they're just ready. Technically, a baby can go for 6-8 hours without a feeding even at 3 weeks. However, their brain/nervous system may not be ready for longer sleep stints till their closer to 6 weeks. As for sleep, they shouldnt really be up for more than 2 hours at a time - this was news to me. Babywise did have one thing right: it is important for babies to eat for at least 12 minutes per feeding so that they can get the hind milk - Th...
[ Reply | Options ]
[-]I am moving to Seattle next year. Which neighborhood has the best public elementary schools?
11 replies [ Reply | Watch | Options ]Are you moving to Seattle proper or the general area? Gig Harbor has fantastic schools, and is about 40 mins from Seattle. It's a beautiful place.
[ Reply | Options ]Seattle proper. I lived there 10 years ago but that was when I didn't have kids. I love gig harbor, by the way, but jobwise in won't work.
[ Reply | Options ]Totally understand. We moved to NYC from W. Seattle 9 years ago, but also before we had kids so have no idea about Seattle schools. My MIL is a highly sought after 2nd grade teacher at an amazing school in Gig Harbor, so that I know more about. I'm jealous you're moving, i'd do anything to go back!
[ Reply | Options ]I live in Brooklyn now and miss it so much, though Brooklyn feels a tiny bit similar.
[ Reply | Options ]We live in Bklyn too and I completely agree with you. The thing I miss the most is being able to be outdoors more and the fact that you can drive in any direction and find yourself at the beach, in the mountains, the rainforest, the desert. I only lived there for about 6 years (dh was raised in GH) and thought we were only coming to NYC for a year and now it's been 9...I hope to someday get back there so we're close to family and the lifestyle we love!
[ Reply | Options ]
-
We just moved to Mercer Island from NYC about 18-months ago. Chose Mercer Island because it's the best school district in the state. I actually grew up in Seattle and am a product of Seattle public schools and would NEVER send my kids there. If you want public, you should move to Mercer Island, Bellevue, or Issaquah. Mercer Island is the closest to Seattle, thus more expensive.
[ Reply | Options ]But I just noticed that you specified elementary school. If you're sent on living in Seattle proper, then you should live in Madison Park. The elementary school here is McGilvra Elementary, and it's pretty good. The middle and high schools that it feeds into are not the best. And Madison Park is more expensive than even Mercer Island!
[ Reply | Options ]
[-]Finance moms: if we have basically no equity (bought a house in early 2008 thinking it was at the bottom, owe on the car), and lots of debt, (student loans, back taxes, credit cards) and we can't move for a good 5 years because of the housing market, why not go bankrupt to lose the credit card debt? I know we wouldn't be able to discharge the student loan debt, but why not ruin the credit and have some money in savings in 7 years rather than barely debt free with great credit? (I have perfect credit). We don't need to buy anything on credit now unless we wanted to move, but we can't do that anyways right now.
51 replies [ Reply | Watch | Options ]For the credit cards, I would try to get into a debt management program. I cleared 15,000 in credit card debt in 3 years with mine. Saved my sanity. Try to come up with a payment plan for the back taxes. I did this when I owed back NY state taxes. You can pay a little as 25 dollars a month. The student loans are a tough one, especially if you used up all your deferments. But for your biggest student loans try to see if you can do graduated payments, where you start low and then it increases over the years. That should buy you some time until the market recovers or you get a higher paying job.
[ Reply | Options ]We can pay the stuff with no payment plans, I manage $ really well, but what's the point of having good credit if we don't need it right now? This would be more of a weird strategy to not pay the cards- which we could technically probably barely barely pay over time with a good amount of sacrifice. I guess the real question is, what is the downside to going bankrupt for someone like me?
[ Reply | Options ]And consolidate your student loans if you haven't already. Private loans you can't consolidate. But government loans you can pretty much put them all in a lump. Talk to your student loan people and be honest about your financial situation, they are probably the most reasonable people you will ever talk to about finances and won't act bitchy. Perhaps sell the car.
[ Reply | Options ]
-
ITA. You decided you were worth all that stuff on the cards. So pay it back so the rest don't get hammered in the end run.
[ Reply | Options ]the stuff on the card was for buying stuff that will eventually create more $ (I won't elaborate)- that would not be touched in a bankruptcy. I'm not a big shopper
[ Reply | Options ]Thank you for this reply. We are in a similar situation to OP with the exception of the student loan and taxes but I can't imagine doing this. Friends that have just ran up the dept again in a few years. The CC companies were happy to get them back. We will just absorb your debt. Morally something I could never do if there were other options.
[ Reply | Options ]
if we work hard and do everything right and still can't really make it in life, then why should I feel accountable to a society that has obviously screwed over the younger generation? Enlighten me.
[ Reply | Options ]You are not doing everything right if you have that much debt. I bought a house at the end of '07, put a lot of money down and may be losing equity as we speak. But, that is life. It will turn around. Going into bankruptcy so others can bail you out is selfish. Either wait it out, or sell and move somewhere where the cost of living is cheaper. I grew up in NYC, and it is a tough place to live. You definitely need to make sacrifices. But, if you don't want to - there are other great places to live that are easier. One is not entitled to live in NY!
[ Reply | Options ]and the debt: how else were we supposed to get through school? Would it have been better to just have a HS diploma?
[ Reply | Options ]Do you live in New York, or not? Do you guys work? Cut back, and pay everything off. Bankruptcy should be used by people that are desperate, not those that want to wipe our credit card debt so they can save money for something else later. And if you used your credit cards for a business venture to make money, then that was a risk. If it pays out great, if not - you need to own up to it.
[ Reply | Options ]-
we both work ft. Not sure how desperate we will be once maternity leave is over and we contend with daycare costs. Technically I think we could make it. I think the venture will pay but it is delayed in the pay out and we have to make payments in the mean time. We are super stressed out about cash flow.
[ Reply | Options ]
-
True, you've been screwed by older generation because they brought you up with an overblown sense of entitlement and zero morals. You feel that the society owes you higher education, bigger house, vacations, promotions, etc. for none of the effort from your part. So I say, declare bankruptcy and teach them a lesson!
[ Reply | Options ]
how can you have perfect credit if you owe back taxes? I think you should sell the car and the home. Bankruptcy can mess you up for more than 7 years. Also, I agree with the posters who criticize your attitude: you are way too casual about money. You really need to grow up.
[ Reply | Options ]DH has not so good credit, they are his back taxes, not mine, but it comes out of our general shared income to pay them
[ Reply | Options ]If your dh has lousy credit that is all the more reason to keep your credit history pristine. Perhaps dh has convinced you that having good credit doesn't matter. It matters and personal bankruptcy in your situation reflects a complete abdication of adult responsibilities. You don't claim that you need to file due to any greater hardship (i.e., divorce, disability, illness) than the rest of the world is experiencing right now. That fact will just makes you seem irresponsible in the eyes of a future employer or lender.
[ Reply | Options ]
and we might be upside down slightly on the home right now, so doesn't make sense to sell, and I need the car for my job, and the car is a 0 interest loan, so not much point in selling it we'd just need another one.
[ Reply | Options ]Well if you can manage your bills, why on earth would you even consider bankrupcy. I guess I can't figure out your logic. I mean managing your household finances whether good, bad or average is part of being an adult. Time to put on those big girl panties and try to discharge your debt in the proper financial and ethical manner.
[ Reply | Options ]more to the point, if you can afford your debt, what makes you think that you are eligible for bankruptcy? It's not like you can walk into court and tell them that you're not paying anymore. They go through calculations to decide what you can pay. The laws have tightened up considerably.
[ Reply | Options ]the logic is that if you don't need the good credit what is the financial point of being responsible in this situation?
[ Reply | Options ]
default on the mortgage, get bailed out. default on the cards, get bailed out. default on the loans, get bailed out. no problem.
[ Reply | Options ]Attorney mom here...the personal bankruptcy laws were changed within the last few years that not only make it much more difficult to claim bankruptcy but also limits what and how much debts are forgiven. You many not get as much bang for your buck as you think you will and you very likely will be surprised and disappointed at how soon you might actually need to have good credit for. It's definitely not recommended. Take a look at some of the good suggestions above.
[ Reply | Options ]The idea behind bankruptcy is that given your debt to assets ration and your income, you cannot manage to repay your debts now (as due) or in any way in the foreseeable future. It is NOT a way to just get rid of some debt. Future employers ask about bankruptcies and there are some jobs that would not hire you if you've filed for bankruptcy wi the last 10 years. Bad credit can raise your insurance premiums as well.
[ Reply | Options ]
[-]So Verizon hits the main gas pipe in our building and we have no gas for Thanksgiving. I just got off the phone with the management co.and they say at least 1 month! What amI supposed to do with my turkey and all my guests. FUMING. They also have to replace every gas line in the apartments. Fantastic.
2 replies [ Reply | Watch | Options ]
Just wanted to let you know about a great event coming up in the Seattle area - Fantasy and Fairytales:Mom's Night Out at The Westin in Bellevue on November 21st from 6:30 -9:30 PM. It will be a great event in support of the Juvenile Diabetes Research Foundation and will be great fun with free gifts, food, wine, a silent auction, tots fashion show, complimentary services like eyebrow design, chair massage, facial acupuncture, tarot card readings, henna tatoos and so much more. It will be a great event to grab some girlfirends and create some memories. Don't miss it so reserve your space at www.thedapperbaby.com/fantasy.
[ Reply | Watch | Options ]
[-]When do babies need toys and what kind should I get? How do I mentally stimulate a newborn or a better question, when can you even do more than feed/change/try to sleep- feel like I'm too tired to even know what I'm supposed to be doing
8 replies [ Reply | Watch | Options ]Right now your baby is intensely fascinated by you. We're social creatures so faces and voices are the most interesting things to young minds. What I would do is focus on things that are mutually stimulating, that will relax you and keep you energized, which DB feeds off of. Listen to rhythmic music and lay on the floor with db while he/she wiggles, go for walks and talk about the things you like to look at, download stories to your computer and listen (The New Yorker has a podcast now), do some yoga postures while trying to coerce db into one more minute of tummy time...The point is to make situations where you're relaxed, happy and interacting with the baby. You can also think about exposing db to interesting sounds, smells, textures and ...
[ Reply | Options ]-
reading to them is nice from the beginning. we had a black/red/white mat (what are those called??) with hanging toys on it that we used for tummy time, and db liked looking at the toys on it from about 6 weeks I think. I think we started getting more stimulating toys around 10 or 12 weeks maybe? I'm sure you're doing enough right now.
[ Reply | Options ]They're called Gymini(by TinyLove) and very young babies can hit many early milestones on them-ours did. First they're visually engaging, next they are audially stimulating. As your baby begins to kick, stretch and flail, they come into contact with the hanging toys-first accidentally, then purposefully-making early and very important cause and effect connections. This is really one-stop learning for a young infant. A bouncy chair or swing with an activity arch is another good option. Mostly, talking to your baby, up close and as you are in or out of view, are very important to help them to develop important spatial and sensory skills.Play music, sing, dance, peek-a-boo, mimicry of their own sounds and other 'games' will be the most engagin...
[ Reply | Options ]
[-]Need a recommendation for a jogging stroller please, to be used primarily for running. Bob revolution or bob ironman or other? thanks
5 replies [ Reply | Watch | Options ]checkout the mountain buggy stroller at www.thedapperbaby.com
[ Reply | Options ]I have the Bob Revolution. It's really smooth and it rolls over the "terrain" in Central Park. I don't run, DH does. Unfortunately, my DD didn't like going running in it so he never uns with DD. But we use it on weekends sometimes -- it's a pain in stores or for public transportation but good for walking, very smooth.
[ Reply | Options ]
[-]I need advice for a new stroller... Want one where DD won't feel (and be startled by) every teeny little bump. But I also take a lot of taxis, so it's got to fold up quick and fit in a trunk... Any suggestions? I currently have a car seat with a mclaren base which works great, but is too bumpy and won't steer well with one hand...
2 replies [ Reply | Watch | Options ]Check out the fastfold at www.thedapperbaby.com
[ Reply | Options ]
[-]Just moved to Kirkland from NYC w/two girls, 4 and 2... I don't know anyone and am home w/kids till I find a job - anyone want to hang out w/me and the kids? Please get in touch! :)
1 reply [ Reply | Watch | Options ]You should definitely attend the Mom's Nght Out event on November 21st at the Westin in Bellevue. You'll meet some of the most intersting and fun Mom's in our area. You'll get pampered, eat, drink and have great fun. Check out www.thedapperbaby.com for infomation about tickets and the event.
[ Reply | Options ]
Most Watched Posts
- New MASTER LIST: post Accept, WL, or Reject, ERB, ds or dd, sibling/legacy:
- Let's say it's Tuesday. What's the first thing you will think when you read someone's...
- MASTER LIST: Let's start keeping track: Accept - Reject - WL....Add any that are not ...
- Who thinks the economy is absolutely going to self-destruct and we're headed for some...
Most Popular Topics
- Tell me what the school you're about to plunk down $30K+ for K has that NEST does not...
- Now that you have been through it, what would you recommend to parents applying to on...
- New MASTER LIST: post Accept, WL, or Reject, ERB, ds or dd, sibling/legacy:
- random thought. (preferably non-school related :-) )
- i just threw away all the school related brochures, calendars, and knick-knacks we re...
- I can't believe the rampant anti-semitism on this board and how people choose schools...
- Poor deluded UB moms. Stop challenging Brearley. You know it is by far the top school...
- will Catholic church baptise child of Catholic mother, Jewish father who were not mar...
UrbanBaby Asks...
Do/Did you and your partner want the same number of children?
Already voted? View Results
Boards Help
Abbreviations
More Boards Help
Site Feedback Thank you for your feedback about the new site. We are paying close attention to your comments and we will incorporate them as we make improvements to the site. Please continue to report problems and offer feedback on the Site Feedback Board and visit our Site Talk blog for answers to some of your questions and updates on specific issues.
More Boards Help
Site Feedback Thank you for your feedback about the new site. We are paying close attention to your comments and we will incorporate them as we make improvements to the site. Please continue to report problems and offer feedback on the Site Feedback Board and visit our Site Talk blog for answers to some of your questions and updates on specific issues.
Flashback