Washable Wednesday: Lands’ End Wear to Work Pencil Skirt

Lands' End Wear to Work Pencil Skirt | CorporetteThis pattern also comes in a blazer, dress and pants (all machine washable!) — but for some reason it’s the skirt that is speaking to me. It looks very Brooks Brothers, but for Lands’ End prices (and did I mention that it’s washable)? Love the double vents at the back, the comfort “contour” waistband, and the stretch lining. It’s $69 full price, but you can take 30% off your order sitewide today with code FRIENDSHIP and pin 2203; it’s available in regular and petite sizes 2-18.  The  Lands’ End Wear to Work Pencil Skirt

(Oooh, the skirt also comes in solid black, gray and navy for $59, full price.)

(Psst: is anyone else bummed that Lands’ End closed their amazing discount section, “On the Counter”? Sigh.)

(L-all)

Comments

  1. We ran out of formula this week, so we are unexpectedly transitioning to cows milk a few weeks early. Can any of you wiser, more experienced moms tell me whether we should be serving her milk as a standalone meal, as we did with her formula, or whether we should just give her solid meals, and offer her milk to drink along with them when she is thirsty? Also, have any of you had success transitioning to an open cup rather than going through a sippy cup phase? My daughter is already a great straw drinker, and I have heard that sippy cups are not great for speech development. Thanks in advance!

    • NewMomAnon says:

      Our ped recommended milk only with meals, and water in between. The practice handed out an article explaining that the purpose of serving whole milk to toddlers is because they have small stomachs, are easily distracted and picky so that it’s hard to get enough calories (especially fat and protein) into their little bodies. Whole milk is a very concentrated form of calories, protein and fat. Based on that, I don’t really care how much milk my kiddo drinks because I know she eats a ton of peanut butter, yogurt, cheese, and chicken.

      As for open cup versus sippy cup; it depends on your tolerance for cleaning up spills. Mine is low, so we use a sippy cup at home but daycare uses only regular open cups. Have you looked at the Munchkin Miracle 360 cup? It has a continous rim with no spout, and is supposed to be better than a spout sippy or straw cup for tooth development and speech development. My kiddo switches between a bunch of different kinds of cups easily (hard sippy, soft spout, straw, open, Miracle), which is nice from a logistics standpoint and because I don’t worry that she is using one type of cup so much that it will have any impact on her teeth/speech.

    • EB0220 says:

      If she’s 11 months, I would just give her milk at meals and snacks. My kiddo usually gets a glass of milk 5-6 times a day, although she usually only drinks a little each time. We have gone straight to open cups. I only use sippy cups in delicate situations (airplanes, etc.). Her daycare uses open cups, so they pretty much taught her and I just use the same cup they do. She is great with the open cups at 15 months.

    • mascot says:

      We also did milk for meals and water the rest of the time. I agree that the open cup is a tolerance for mess question. Ikea makes some cute small plastic tumblers that we use.

    • POSITA says:

      We also offered milk at wake up and during stories before bed.

      The wake up milk buys us a few minutes to make breakfast since she usually wakes up starving.

      She doesn’t usually drink any milk at dinner (even if offered) so the pre-bedtime milk is to make sure her stomach is full.

  2. Milk with solids is how we did it. An open cup will be really messy at this age. My two year old can still barely figure them out. There are lots of good straw options, and we stayed in that realm.

  3. NewMomAnon says:

    I noticed this morning that one of my kiddo’s bottom teeth is starting to turn sideways. She is 21 months old, and cutting her canine teeth – should I ask her pediatrician, or just take her to a pediatric dentist straight away, or do nothing and continue monitoring the situation? I’m a little hyper because I had horribly crooked teeth as a kid (8 years of braces, yo), and I don’t want to over-react.

    • mascot says:

      She’s probably old enough to start dentist visits now, so you can always schedule one and ask then. I wouldn’t make this a rush appt unless you think she had some mouth trauma.

    • When we went to the ped dentist, we asked a few questions about the way DD’s teeth were coming in. The dentist said there’s so much growing between first teeth coming in and the age when braces are considered, and there’s no way to tell what may change in that time. But if you’re worried, I don’t think any ped dentist would look at you sideways for making an appointment for a kid this age. DD’s first appointment was at around 18 months, and they were great with her.

  4. Famouscait says:

    Thoughts about life insurance? My company automatically covers me for $25k. I have one infant son and a spouse who can earn a $100k+ income. I think life insurance is unnecessary. Also because my son has two sets of financially comfortable grandparents, who I am sure would help cover any shortage in the event I was not around. My husband’s thought process has always been to insure a minimal amount (~$100k) to pay off any medical/funeral expenses, and pay off the mortgage. What I read online says parents of a young child should be insuring the parents’ lost life-long earning potential. What do y’all do?

    • Marilla says:

      Our goal with life insurance was to have enough to pay off the mortgage and provide a cushion for expenses. Replacing lifelong earnings seems like overkill. I was more worried about getting critical illness insurance to cover medical/disability costs.

      • Anon in NYC says:

        We also did not replace expected lifetime earnings, but have enough insurance to cover our expenses and school.

    • Anon for this says:

      I disagree heartedly – life insurance is definitely necessary and I do not think $25K would cut it. It’s a nice bonus from your company, but if you can afford it, I would tend to think you should arrange for at least 10 times that, if not more. We (my H and I) are not nearly as covered as I would like, but we have enough to pay off the mortgage on the house and cover college education (well, hopefully, g*d only knows that that cost will actually look like in 15+ years). H’s father though passed away young and unexpectedly, leaving significant medical bills and children who were still in primary school. H’s mom has never recovered (mentally, emotionally or financially).

    • We just bought life insurance for my husband and me. The goal was not lifelong earnings replacement, but to make sure that if one of us of passed away, there would be enough money to either pay off the mortgage or to keep making mortgage payments for several years and ensure the surviving family would not have to move. We figured we needed money for that, and a little extra money to ensure that childcare costs (both are still in daycare) would be covered for several years.

    • We have 2 children and each earn around $100k per year. Our only debt is a $150k mortgage but we have term policies for $600k each and the cost is about $90 per month. Once the kids are grown up we’ll probably get rid of it. Both sets of grandparents are doing fine financially but I wouldn’t want to have to ask for money. You should never assume that someone will take care of you or your loved ones. You should make plans so that should something happen to you things are taken care of. That’s my thought process anyway.

    • We have enough so that the surviving spouse can pay off the mortgage and cover immediate expenses. I am now beginning to think more about long term care insurance and critical illness insurance.

    • NewMomAnon says:

      Our financial advisor recommended that we get insurance of at least 10x annual salary for ex-husband, and actually recommended getting the same amount for me because I’m the primary parent and replacing my “services” would be very expensive (how’s that for a feminist financial advisor?).

      At the time (we were still married and owned an expensive house), the theory was that if one of us died, the other could pay off the house, all student loans, all car loans and credit card bills, and afford to take unpaid time off work for as long as necessary or hire significant live-in childcare. We also wanted the life insurance to cover college expenses, since we assumed that a single parent probably wouldn’t earn enough to cover childcare and save for college (we would like to pay for some of kiddo’s college).

      Term life insurance is not expensive at all. For me, I think it’s $100 a month (for around $2M in coverage) and for my ex, I think it’s about $150 a month. We did a 30 year term. Whole life insurance is massively expensive and we opted out of it, since we expect to have significant retirement assets if both of us live to 60.

      I don’t know if that’s helpful, but I would think that $25K is not enough if you experienced a sudden loss of your spouse. You would need to cover funeral and end of life medical expenses (for my grandfather, that was $25K in out of pocket expenses, some of which were reimbursed by insurance much later). You would need funds to cover some unpaid time off work to handle probate and asset management matters, and funds to replace your spouse’s income for at least a year or two until you can figure out how to live on a more limited budget. You would need additional child care to account for the time your spouse spent with kiddo. You may also experience a reduction in your own earning power, as a single parent (spoken from experience).

    • CPA Lady says:

      Term life insurance is ridiculously cheap for what you get. Mine is $31 a month for $750,000 coverage.

      My philosophy is that if I died, I would want my husband to be able to do whatever he needed to do for him and for our daughter– whether that be quitting his job for a while, working part time, or whatever. I would not want to keep him golden handcuffed to his job just to be able to maintain a standard of living on top of working through grief and trauma.

      I had $300k in life insurance before we had our daughter, and then got a new policy after she was born.

    • I have $400K policy that I pay $25 a month for through USAA. Even though my husband earns a good salary that could easily cover our modest expenses if I died, he also works a ton of hours for that income. If anything ever happened to me, he’d want / need to be more available to deal with his own grief and our son’s needs for an indeterminate period of time. I purchased life insurance intending it to be a cushion for a few years while they figured out whatever the new normal was. How awful would it be to have no choice but to get right back to big law hours while trying to simultaneously deal with a death and become a single parent …

    • mascot says:

      Our goals were to pay off the house, fund private school/college tuition and have a cushion for the surviving spouse to get back on their feet. Similar to what others said, we’d rather be a little bit over-insured and have the peace of mind that our family will be ok during such a horrible time.

    • Famouscait says:

      Thank you all for a lot of insight. It’s great to hear so many different perspectives.

    • NewMomAnon says:

      I also wanted to add this – I had purchased the optional supplemental life insurance through work, but it turns out that dollar-for-dollar over the long term, it’s much cheaper to buy term life insurance on the market and not through your employer.

      And in response to the question below, we went through a non-commission based financial advisor (fee for service) to purchase our insurance, and he priced out several companies and gave us a recommendation. After all the icky pitches I’ve gotten from Northwestern Mutual, I didn’t trust them further than I could throw their packet of arbitration procedures.

      • Famouscait says:

        Thanks for your first point. That is actually what I think I have identified as my irritation with all of this: re-doing the life insurance through every employer. It’s such a hassle and a headache. I can better see the value of a separate policy through someone like USAA.

    • What if both of you pass away at the same time? Are the guardians sufficiently financially comfortable to raise a kid for the next 20 years? My goal was to make sure that our guardians (my parents) would not have to come out of pocket to raise our kids, if it came to that.

      • Anon For This says:

        I couldn’t agree with this more. Insuring so that the guardian of you child(red) isn’t taking on a financial burden in addition to taking on the role of parent is essential. We are insured so that if both of us were to die, our kids would have all of their expense and some of college covered. It might be overkill, but we also use different insurance vehicles as tax-beneficial investment options.

        • Yes. We live in a HCOL area. Presumably if we both were to die, our kids would move to live with their guardian, but it’s also possible the guardian (who has no strong ties to current location) would move into our house to avoid uprooting the kids. We’re insured to cover living expenses in our home, maintaining our lifestyle, for a number of years, and college for both children. We have term life policies of about $1mil each, plus each of our employers covers 2x salary.

    • For us, I’m the primary breadwinner and always will be–by a more than 3:1 margin now and probably larger over time. So, I am trying to replace lost income. Going from living on a household total of $225K to $52K would be extraordinarily difficult. So, I’m trying to pay off the mortgage, pay for college for 3 kids, and pay to keep them in a decent lifestyle for the next 20-25 years until my youngest is out of college. We have $900K of insurance on me now, and we really should be more like $2.5 million, I think.

      My husband is a different story. There, we are looking more paying off mortgage and debt, with some money for college.

    • In House Lobbyist says:

      I buy the most from my company which equals out to slightly over $1.2 million and I am the primary breadwinner. I earn about $150K a year. I also have $600K on my husband who stays at home. We have two little ones and only have house debt of $200K. We also have small amounts on the kids. It is cheap for term and we want enough for either parent to have the ability to pay off the house, not have to work for awhile and fund kids college. And if the event, we both die in a car accident, I want to take care of the kids and their guardians comfortably. I suggest you looking into buying more quickly.

  5. Clementine says:

    Hi everybody! So, thanks for the emotional prep for being on Mag. I spent yesterday with zero sleep and on a Mag drip and luckily- I was prepared for it to be so much worse.

    My comment to my nurse as she was taking me off was, ‘Man, that will NEVER be a popular street drug.’

    So baby decided to cook for one more day, but every day I am prepping myself that today might be a birthday!

    • CapHillAnon says:

      Hang in there, Clementine! Sending good thoughts for you and your lo!

    • EP-er says:

      Oh, I am glad you survived! I missed the discussion on the mag — I just remember that I had my thermostat turned down as low as it could go…my visitors were all in the coats, but I was still too warm. :) Keep that baby cooking! Every day is victory.

  6. Insurance Follow-up says:

    Speaking of insurance, who do you insure with? We don’t qualify for USAA. Using Northwestern Mutual now, but it’s pricey. Healthwise, we should qualify for preferred rates.

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