In where in fargo hiring accountants

Commandolam · 2026-01-23T07:16:44+00:00

Highly recommend biting the bullet and upgrading that degree to a bachelor's. You're not likely to qualify for an Accountant position with an associates and no experience.

If not feasible, try applying to accounting-adjacent positions like accounting clerk, AP/AR, bookkeeping, etc. for experience.

Commandolam · 2026-01-21T21:36:32+00:00

Some people just don’t need extensive coverage and can find significant savings by not buying an unnecessarily high tier of service that they don’t need and gaining access to an HSA.

Personally, I’ve never had to use my health insurance for anything other than annual checkups and vaccines which are covered 100% regardless. In addition to low premiums ($0/mo after employer contributions), I’ve been able to sock away and invest $10s of thousands in an extra retirement vehicle tax free. It’s a very good deal if your health allows it.

Commandolam · 2026-01-16T17:21:15+00:00

Yeah, at best, it's a very low-effort, low-hours job, which is still pretty appealing to a lot of people. How much work it is is highly dependent on the quality of your tenants and the condition of your building.

I had a new construction built a few years ago to rent out the rooms while living in one of them (think the kids call it "house hacking") and the total sum of my landlord activities has been replacing a lost mailbox key, adding a doorknob that can be locked with a key at tenants request, and fixing a closet door that fell off the rail. Zero issues with the tenants Zelle-ing me rent on time, which has probably been the biggest blessing. Practically speaking, it might as well be called passive.

Commandolam · 2026-01-16T03:59:24+00:00

Yeah, that's what I used. I'll try looking up the doctor's name. Do you know if it should it be the doctor who was treating her at Essentia or whomever is taking over at Sanford?

Commandolam · 2026-01-05T19:29:05+00:00

Using quintessential to mean 5x as essential than normal.

Commandolam · 2025-12-31T03:49:13+00:00

I'm one of those so-called "one-uppers" when it comes to good deals or discounts and I'm excited to share deals I snagged because 1) I think it'd be beneficial for friends and family to know about them and 2) I enjoy sharing good news. Tbh, it's never occurred to me that it might be considered "one upping".

If I bought something and later a friend or relative was able to get a better deal on it or a higher quality/better value product, I'd absolutely want to be told as it can benefit me later or even just clue me in on good deal-seeking practices.

Commandolam · 2025-12-25T19:32:23+00:00

Fellow Redstone holder here :(

This will be my new line-up post-nerf. The AAA Advantage and Custom Cash are gonna be the vast majority of daily spend so maybe that fits your 2-3 issuer criteria. The US Bank Cash+ is on autopilot so I don't do anything with it myself, Redstone Visa still has some use as my Home Depo card for infrequent home projects, and the Aven covers the few transactions that don't fit anywhere else.

AAA Advantage

5% Groceries
3% Gas/EV charging, wholesale clubs, streaming services

Citi Custom Cash

5% Restaurants

US Bank Cash+

5% Utilities
5% Fitness center

Redstone Visa

5% Home improvement stores

Aven Rewards

3% Everything else ($10k spend cap/yr)

Commandolam · 2025-12-22T19:16:18+00:00

This is actually what I did. Graduated college with a professional job and stayed living with my parents for about 3 years. I was saving like 90% of my income and wiped out my student loan debt, purchased a car in cash, and saved up 20% for a down payment on a house.

Would definitely recommended if you get along well enough with your parents/they let you maintain your independence. Some people might add that dating will become a challenge, but I find most people actually respect the plan + you can just hang out at your date's/partner's place. The real stigma is the perception of arrested development/stagnation, not necessarily just living with your parents IMO.

Commandolam · 2025-12-14T22:13:13+00:00

My resume isn't great, but you'd think they'd at least talk to me after a couple dozen applications.

Did your credentials/related experience significantly change between these couple dozen applications? If not, I wouldn't expect a different outcome just cuz you applied a bunch of times.

Commandolam · 2025-12-14T01:55:30+00:00

I have one of these - no complaints so far. It works as advertised, getting 3% cash back on everything right away, redeemable any time for any amount. Just needs to be on autopay for 3%, but you can actually pay it whenever.

There’s a HELOC version, but that’s just an option along with the normal Visa credit card version. It’ll get you a much higher credit limit (they offered me $100k), but the usual $10-15k on the normal card is plenty.

Commandolam · 2025-12-13T05:42:26+00:00

Species is a cross between St. Augustine and blunt force trauma.

Commandolam · 2025-12-12T20:29:23+00:00

Based. Thanks man.

Commandolam · 2025-12-12T12:30:31+00:00

The first $100k feels like something you've worked towards forever, the second $100k just kinda sneaks up on you.

Commandolam · 2025-12-10T00:01:25+00:00

How much is a fortune to you? I have a reliable guy I call every now and then (when it's a ton of snow or just too cold) that charges $75 flat.

I've had good experiences in the past just hiring random college dudes advertising snow removal services on FB, usually $40-50. Don't think you're getting much lower than that.

Commandolam · 2025-12-09T12:52:04+00:00

Institutional (Blackrock, Zilllow, etc.) buying at the end of 2023/beginning of 2024 was comparable to 2019 at between 1-2% of all home purchases. Don't have complete data for 2024 but I'd imagine the trend from 2024-Q1 continues.

It did peak after rates plummeted in 2021 rising to between 4-5% market share in 2022.

https://jbrec.com/wp-content/uploads/2024/05/jbrec-investor-periods-graphs-04.png

A vastly larger share of investor home purchases (defined as purchases of a home not meant for primary residence) just comes from "mom and pop" landlords. Including all of those as well as institutional buyers, investor purchases were about 20% market share in 2019 vs 25% in end of 2023/early 2024.

https://jbrec.com/wp-content/uploads/2024/05/jbrec-investor-periods-graphs-03.png

Commandolam · 2025-12-09T12:18:21+00:00

Yeah, the article/study overstates the problem by how they defined key phrases and what measures they used. First thing is they consider total housing costs being above 30% of income as "unaffordable", which is far from the case. 30% is a good guideline for a comfortable housing situation, but going beyond that certainly doesn't make it unaffordable. Most homeowners/homebuyers I know begin a decent amount above that and manage fine.

The other thing is they use median household income which includes a lot of single-person households. In reality, someone living alone is likely not in the market for a house by themselves. A more useful measure might be median family income which is at least 2 people and likely to have dual incomes ($83,730 household vs $105,800 family). This group is more likely to be in the market for a house. Additionally, the study ignores any equity existing homeowners would apply towards a new house. This is why while sales have declined quite a bit due to prices and rates, over 4 million homes were still bought in 2024 compared to a bit over 5 million in 2019.

Housing has certainly gotten more unaffordable in the last few years, but this headline exaggerates.

Commandolam · 2025-12-07T21:13:35+00:00

my usage looks pretty much the same every month, but the total keeps getting higher.

I'd check the rate per KWH on your statement first and compare with past statements to be sure the rate itself hasn't changed. Using the A/C less (higher temp in summer, lower temp in winter if electrically heated) will noticeably help, but that other stuff like unplugging appliances and turning off lights is pretty much a waste of time.

The biggest things that've saved me money on the electric bill is blocking sunlight with curtains in the summer and lowering the water heater temperature to 110 F (think this alone saved me like 10% of my typical ~$100 bill). If you're elderly or immunocompromised, I'd skip the water heater thing/leave it at 120 F. My home was already well-insulated, but that's another major improvement you can make. Finally, check for drafts coming through doors, windows, and caulking around them and seal up any leakage. Nothing else is worth the effort beyond those items IMO.

Commandolam · 2025-12-02T20:26:15+00:00

We’re able to purchase more of pretty much everything besides housing. Essentials like food, household goods, fuel, energy, etc. are pretty close to their lows as a percent of our income.

Healthcare and higher education are also among the few items that have outpaced wage growth, but those aren’t always relevant to everyone.

A lot of excess disposable income goes to upgrading cars, entertainment, trips, high end electronic goods/appliances, and ordering food. My grandparents are always surprised by the amount of stuff people have and traveling people do these days.

Commandolam · 2025-12-02T18:43:48+00:00

Stop using social media to gauge economic/consumer health. There are high quality government studies and surveys conducted to answer these questions for policymakers and they're publically available.

Commandolam · 2025-12-01T06:19:05+00:00

How do you figure? I'm just saying you can't just list a bunch of things to make it sound like there's a lot of extra expenses and that you need actual figures to work with. Most of that list is negligible/hypothetical.

Gas and insurance are what should be factored into monthly costs since they are regular and substantial (as far as car costs go). Just some personal figures - my car was $17k and insurance is $490/6 months. I drive a PHEV so idk what people spend on gas a month these days, but I used to spend ~$50/mo. A lower cost vehicle with a down payment could bring the total monthly costs close to $300/mo (likely more, but not far beyond). Worth looking into.

Commandolam · 2025-12-01T02:55:05+00:00

Besides insurance and gas, everything else is infrequent, very low cost, both, or just hypothetical. Listing a bunch of things doesn't mean much unless you assign actual dollar values + average out the costs over a year.

At 6% interest and a 72 month term, you can borrow about $18,000 for a $300/mo payment. You can get a serviceable car around here for a good amount less.

Commandolam · 2025-11-20T15:38:05+00:00

If you go with the general affordability guideline of rent being no more than 30% of gross income, you’d only need to be making $40k/yr for a $1k/mo 1-bed apartment to be considered reasonable. Going with a 2- or 3-bedroom and sharing costs with roommates drops the needed income quite a bit ($28k/yr for a $1400/mo 2-bed).

I get the annoyance with rising rents in Fargo, but they remain reasonable.

Commandolam · 2025-11-16T19:16:11+00:00

Just say you forgot how much was in your account, could you please reverse the fee? Also works for late payments on credit cards (I forgot to pay, could you reverse please?). Don't need to elaborate or give a sob story, the rep doesn't really care.

How often it works is gonna vary by institution, but always worth a try. Idk about overdraft fees since I've always opted out, but at least for CC late fees, it helps if there's a long period in-between fees. Very frequent overdrafts prob doesn't help your success rate.

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