Search found 1023 matches

by Colorado13
Fri Jul 31, 2020 10:30 am
Forum: Personal Investments
Topic: How to use and fund a 457 for early retirement (and other techniques)?
Replies: 9
Views: 580

Re: How to use and fund a 457 for early retirement (and other techniques)?

Congratulations on your excellent progress so far! Keep in mind that if you need/want to access 403(b) or 401(k) funds prior to age 59.5, rule 72(t) is an option. A conservative asset allocation in your 457 seems reasonable while a more aggressive allocation is likely appropriate for your 403(b) acc...
by Colorado13
Wed Jul 29, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: subaru outback limited or audi 4 quattro?
Replies: 43
Views: 2926

Re: subaru outback limited or audi 4 quattro?

You mentioned the CX-5 (which many on these forums seem to love) so I thought I would share an experience of N=1. I researched a car purchase extensively and decided I wanted the CX-5. I test drove it four times and couldn't get myself to buy it due to very uncomfortable seats (which I realize is a ...
by Colorado13
Fri Jul 24, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: Backyard BBQ - easy
Replies: 38
Views: 2834

Re: Backyard BBQ - easy

Anorher vote for Weber. We purchased one this spring (to support more on-patio eating during the pandemic). It heats very evenly and is easy to clean. It seems more durable than the Charbroil and similar cheaper brands that we briefly considered.
by Colorado13
Mon Jul 20, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 164
Views: 11129

Re: Oddly Difficult to Find Items During the Pandemic

There appears to be a graham cracker shortage at local grocery stores, Target, Walmart and online. Chocolate and marshmallows are widely available so I am uncertain if there is s'mores related or not. We had a good laugh at this as we were unaware that this shortage was going on. The staff at Kroge...
by Colorado13
Mon Jul 20, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Lab Grown versus Mined Diamond
Replies: 12
Views: 963

Re: Lab Grown versus Mined Diamond

I will cast another vote for moissanite.
by Colorado13
Mon Jul 20, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 164
Views: 11129

Re: Oddly Difficult to Find Items During the Pandemic

There appears to be a graham cracker shortage at local grocery stores, Target, Walmart and online. Chocolate and marshmallows are widely available so I am uncertain if there is s'mores related or not. We had a good laugh at this as we were unaware that this shortage was going on. The staff at Kroger...
by Colorado13
Mon Jul 20, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19244

Re: Pandemic buys that have improved quality of life?

celia wrote:
Sun Jun 14, 2020 12:27 am
We've been getting bigger QCDs than usual to improve the quality of life for others, especially via food banks.
This is fantastic! Very inspiring.

I have been working fulltime from home and bought a desk riser/stand up desk that sits on top pf my desk. I wish I had made this purchase months ago.
by Colorado13
Fri Jul 10, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to negotiate a price reduction for a vitamin D test invoiced about triple or quadruple the going rate
Replies: 12
Views: 1379

Re: Looking to negotiate a price reduction for a vitamin D test invoiced about triple or quadruple the going rate

I sense your frustration and would ask for a discount and if this is not granted, just pay it and move on. I don't like spending "extra" money either but you received a service so should pay for it. I am guessing this will not have a substantial impact to your net worth? Your time is likely worth mo...
by Colorado13
Wed Jul 01, 2020 6:56 pm
Forum: Personal Investments
Topic: Retirement Planning and Advice
Replies: 9
Views: 1083

Re: Retirement Planning and Advice

4. Any other suggestions?

You've done well. Unless there is a really compelling reason for doing so (and that certainly may be the case), I would skip this and enjoy the fruits of your hard work:

Wife prefers to work for at least 3 more years at $30,000 per year.
by Colorado13
Mon Jun 15, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Weber Genisis II grill grates
Replies: 19
Views: 1700

Re: Weber Genisis II grill grates

mighty72 wrote:
Sat Jun 13, 2020 11:56 am
They work fine for me. I do scrub them using a brush while they are still hot.
+1 The wire brush on the hot grates works really well.

Tangent: my frugal nature enabled me to purchase non-Weber brand drip trays at the fabulous price of 3 for $1 at the Dollar tree.
by Colorado13
Thu Jun 11, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Next Steps After Blown AC Units
Replies: 15
Views: 1032

Re: Next Steps After Blown AC Units

Are you a new home owner? If so....reality is that appliance repairs and replacement are not emergencies but are routine maintenance items. They are a normal part of home ownership. Whether you fund these from cash flow, e fund or credit card, you definitely need to be better prepared for ongoing ma...
by Colorado13
Thu May 28, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Online bank recommendations
Replies: 32
Views: 2909

Re: Online bank recommendations

If you want to be a true Boglehead, you should drive a Subaru, invest at Vanguard (except for the $100,000 you keep at Merrill Edge so you can enjoy high Bank of America credit card rewards), and use Ally as your online bank. Hmmmm. I fit the bill there for 3 out of 4. I'll look into that Merrill E...
by Colorado13
Thu May 28, 2020 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12628

Re: Approaching 40, worried about financial future

As a side note my mother always said she stayed home because of her kids when asked. Years after the kids had all moved out I asked her why she didn't work and she said that they would pay too much in taxes :oops: I get your point, but all of the added expenses, not just taxes, that come with both ...
by Colorado13
Thu May 28, 2020 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12628

Re: Approaching 40, worried about financial future

Another vote for wife needs a job. Youngest child is 9 and in school all day, the other two are older. Seriously don't understand all these women with kids in school all day who claim they don't have "time" to work. But again, I'm a woman whose "maternity leave" was all of three hours, I was back o...
by Colorado13
Wed May 27, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Switching Insurance
Replies: 40
Views: 2073

Re: Switching Insurance

This thread motivated me to double check Geico and Progressive against State Farm. We’ve been with SF for 8 years, I’ve looked at a couple other providers recently to see if anything was a savings so had all of my coverages compiled. Both Geico and Progressive saved $200-400 a year on the auto (3 c...
by Colorado13
Tue May 26, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Home Insurance in Denver
Replies: 6
Views: 561

Re: Home Insurance in Denver

How large is the house? Denver has had several very severe hail storms in recent years, which have contributed to high home insurance prices. Has he already purchased the house? Distance to the nearest fire station is one factor in insurance ratings (for some insurance companies), so that may be a c...
by Colorado13
Wed May 20, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1900

Re: Financial Considerations: Marriage in your 50s/60s

Thanks for the replies so far. You've given us some additional things to consider, which is appreciated. Some clarification: I didn't intend to imply that one of us is a wild and irresponsible spender while the other is a miser. We currently review purchases together, prior to the purchase. So this ...
by Colorado13
Wed May 20, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4851

Re: How did you determine your target savings rate?

I strive to max my 401K and Roth. Then I fund after tax contributions to my 401K, which I convert to Roth. This amount varies depending on a variety of factoes. In other words, I save until it hurts... But that is because I want to retire in 1-3 years. When I was your age, I saved approximately 15% ...
by Colorado13
Wed May 20, 2020 6:06 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6503

Re: WFW (Work from Wherever)

. The governor of CO has requested that Denver metro area residents NOT go to the mountains anytime soon. Metro dwellers have been asked to stay within 10 of home for now. Some small towns in the CO mtns have had very high rates of the virus and the medical resources are strained. It's unlikely tha...
by Colorado13
Tue May 19, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6503

Re: WFW (Work from Wherever)

The governor of CO has requested that Denver metro area residents NOT go to the mountains anytime soon. Metro dwellers have been asked to stay within 10 of home for now. Some small towns in the CO mtns have had very high rates of the virus and the medical resources are strained. It's unlikely that ...
by Colorado13
Tue May 19, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1900

Re: Financial Considerations: Marriage in your 50s/60s

Thanks so much for the great feedback so far. The additions to the list will be very useful for our continued discussions.
by Colorado13
Tue May 19, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1900

Financial Considerations: Marriage in your 50s/60s

Hello. SO and I are trying to cover all of our bases before we get married (likely in late 2021 depending on Covid, among other things.) I am quite a bit more of a saver while SO is more of a spender. SO will earn more pension income than I will. Our incomes are nearly identical. We have considered ...
by Colorado13
Mon May 18, 2020 5:24 pm
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3918

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

I save money each month in my Ally account (now paying a whopping 1.25%) and fund my Roth IRA in January each year using those funds. I would not invest money in the stock market if I needed that money within a year.
by Colorado13
Mon May 18, 2020 5:21 pm
Forum: Personal Investments
Topic: Holding cash the right choice?
Replies: 17
Views: 2450

Re: Holding cash the right choice?

Having the equivalent of one year of expenses in a savings account seems very reasonable. I know others who don't have an emergency fund and instead consider the Roth IRA as an emergency fund but I prefer to keep those two pots of money separate.
by Colorado13
Mon May 18, 2020 5:14 pm
Forum: Personal Investments
Topic: Do you Max for 401k then go for mega backdoor or both concurrently?
Replies: 14
Views: 1022

Re: Do you Max for 401k then go for mega backdoor or both concurrently?

I do both concurrently because I want a match on the 401K contributions throughout the entire year. As others have indicated, the best approach certainly may depend on the plan document for your retirement plan.
by Colorado13
Wed May 13, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6503

Re: WFW (Work from Wherever)

It is not an opportunity it is a restriction. As someone with family in healthcare, it is beyond frustrating to see that many of us feel it is a recommendation, that we have ways around. Enjoy at home, hoping we can avoid second wave by controlling infection rates and not overloading our hospitals....
by Colorado13
Wed May 13, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6503

Re: WFW (Work from Wherever)

The governor of CO has requested that Denver metro area residents NOT go to the mountains anytime soon. Metro dwellers have been asked to stay within 10 of home for now. Some small towns in the CO mtns have had very high rates of the virus and the medical resources are strained. It's unlikely that o...
by Colorado13
Wed May 13, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Not paying auto insurance rather than cancelling
Replies: 32
Views: 2254

Re: Not paying auto insurance rather than cancelling

I agree with marcopolo. Send an email to the existing agent; by doing so you have documentation that you gave notice.
by Colorado13
Wed May 13, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Will Banks Consider Discount for Mortgage Payoff?
Replies: 14
Views: 1265

Re: Will Banks Consider Discount for Mortgage Payoff?

No discount. Think of it from the bank's point of view. Banks earn money when you pay interest on a loan. If you pay it off, they no longer earn interest. Consider that your credit score may decline temporarily if you pay off the loan. For me, that was a fabulous trade off, but I wanted to mention i...
by Colorado13
Mon May 04, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Home - How Near Parents?
Replies: 30
Views: 3026

Re: Buying Home - How Near Parents?

One consideration: will your parents potentially move as they age?
by Colorado13
Fri May 01, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 7098

Re: Has your budget changed? What items have you cut out?

I just tallied my April spending Lower expenses: Utilities. No longer have the heat on in the house. (This is typical for April.) Birthday celebrations and gifts Eating out/entertainment Fitness classes Gas for the car (filled at the end of March...still have a full tank due to work from home) Highe...
by Colorado13
Thu Apr 30, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56984

Re: How to get Toilet Paper ? seriously.

I scored a 30 pack at Kroger for $9.99. Cheaper than Costco ($16.99 if I recall correctly) although I haven't opened it yet to test for softness. I haven't been to a store in over a month so was happy to find TP and a couple of other items that I wanted.
by Colorado13
Mon Apr 27, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6227

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

Yes, previously we were allowed to WFH 2 days a week. Recently upper level management told us that some people could become permanent WFH. I am thankful that we've been assured that (in general) no one will have to return to the office until he/she is "ready" due to concerns about the virus/safety. ...
by Colorado13
Mon Apr 20, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8423

Re: Frugal quarantine habits to keep

None. Already frugal to begin with, almost too frugal. Same here. This crisis is a reminder that tomorrow is not promised. I need to live a little more and possibly spend a little more. I'm saving/investing for early retirement but probably shouldn't put off so many activities and purchases for the...
by Colorado13
Wed Apr 08, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Stimulus Payment Issue
Replies: 86
Views: 7911

Re: COVID-19 Stimulus Payment Issue

I am actually stunned by how many posts this topic has raised (in this thread and others) among Bogleheads. With so many high net worth and/or high income posters on these boards, I don't understand how a thousand dollars matters. Not that it's chump change, but for many of you, it's a drop in the b...
by Colorado13
Tue Apr 07, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 41674

Re: How Much in Your Emergency Fund And Is It Used?

I'll call mine a cash reserve account too because it is intended in case of: --job loss --furnace failure (which I consider planned maintenance on a 20+ year old house) --future car purchase (I don't want to invest these funds in the stock market) --my (or a family member's) medical issue These gene...
by Colorado13
Mon Apr 06, 2020 8:29 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75799

Re: I have COVID-19. Some thoughts.

Best wishes to you as you recover. Please take care.
by Colorado13
Fri Apr 03, 2020 1:21 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7149

Re: Share what worked in your plan during the crisis

Having 2-3 years of expenses in my Ally accounts, earning next to nothing, gives me comfort in case I lose my job. Job loss is not likely, but anything is possible.
by Colorado13
Fri Apr 03, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5739

Re: Should I cancel my travel in France and Belgium in mid May?

Cancel. I'm not even willing to go to game night in mid-May, so travel to another country is definitely off the table.
by Colorado13
Fri Apr 03, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6354

Re: Should I keep paying fitness center fees while it is closed?

I have to pay rec center fees even though I won't get to use the rec center for 2 months or more. I hope staff are still being paid, but am skeptical that is the case.
by Colorado13
Fri Apr 03, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8903

Re: Did you move for better weather? Did you regret it?

We moved from VA to CO - Denver area for several reasons including the weather. I loved the weather there. But there is more than weather. Denver and CO are beautiful, but at least in Denver/Boulder traffic was a nightmare and thus we were not able to take advantage of getting out to the mountains ...
by Colorado13
Tue Mar 31, 2020 8:05 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8903

Re: Did you move for better weather? Did you regret it?

I moved from very cold in the winter and humid in the summer upper Midwest to Colorado. The move was partly for weather and mostly for a lifestyle change (ability to enjoy outdoor activities year round.) While I still don't love the cold, our winters are mostly sunny (not grey) so I absolutely DO NO...
by Colorado13
Mon Mar 30, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56984

Re: How to get Toilet Paper ? seriously.

The Kroger grocery store and Costco had tp this weekend. I'm well stocked with food and tp and hope to not have to go to a store until May, but I will be missing fresh fruit and veggies by that time...
by Colorado13
Wed Mar 25, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4632

Re: [Work From Home] - What does your company pay for?

I have a work provided laptop for WFH, plus extra monitors. I had to upgrade my internet speed and my phone plan because neither are provided by my employer. It's a great privilege to have a job these days so I'm not/have not complained about the extra costs. The impact on my commute makes this a go...
by Colorado13
Fri Mar 20, 2020 8:22 am
Forum: Personal Investments
Topic: One simple thing this 50 yo learned...
Replies: 61
Views: 9629

Re: One simple thing this 50 yo learned...

My money market account with ~2 years of expenses in it seemed excessive a few months ago. Now I am very thankful to have this money set aside.
by Colorado13
Thu Mar 19, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: How would you mentor STEM college students/grads?
Replies: 15
Views: 840

Re: How would you mentor STEM college students/grads?

Your list is excellent. Your focus on smart use of credit and the importance of saving early (via 401K, IRAs, etc.) are two critical topics. When I taught finance to STEM undergrads, two of the eye-opening aspects were that they 1. Had unrealistic ideas regarding some adult/independent living costs,...
by Colorado13
Thu Mar 19, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138520

Re: Finally, sanity at the supermarket

Kroger near me has mostly empty shelves when I've been there this week. Hopefully it's temporary... Your post gives me hope that it will get better. They are now opening after my workday starts so I can't get there early during the week. I am trying to avoid weekend crowds.
by Colorado13
Thu Mar 19, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173128

Re: What frugal thing did you do today?

Deleted
by Colorado13
Fri Mar 13, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12627

Re: Are you still going to the gym ...

My gym has closed through March 31 and that closure may be extended. Outdoor and basement/treadmill workouts will begin tomorrow. I tend to push myself a bit harder at the gym than when I workout outside of the gym, so I need to ensure I keep my intensity reasonably high so that I can return to norm...
by Colorado13
Thu Mar 12, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Weird Things You Do To Save Money & Invest More?
Replies: 33
Views: 2162

Re: Weird Things You Do To Save Money & Invest More?

I think I have some of you beat. I’ve never used a dryer sheet. I don’t even know what they do. That is a good start, but... I also don't use dryer sheets and only use the dryer a couple times a year. I live in a dry climate so after taking clothes out of the washer, I hang them around the house (i...