Search found 736 matches

by Colorado13
Thu Dec 04, 2014 8:57 am
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 4103

Re: Exercise machine for small apartment?

Consider adopting a dog. Lots of cardio opportunities, but fewer strength training opportunities.
by Colorado13
Wed Dec 03, 2014 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have too much house?
Replies: 45
Views: 5713

Re: Do we have too much house?

I'll play devil's advocate. My income is nowhere near yours, but I contribute much more to my retirement accounts. I expect to retire early though, so our goals may be very different. There's nothing wrong with having a big house if you can afford it, but as others have mentioned, it appears you are...
by Colorado13
Wed Dec 03, 2014 7:53 pm
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 2450

Re: Low Price Nikon Camera

I have this camera and really like it because the photo quality is great and it provides a lot of functionality for the price. I've printed and enlarged some of my pics that I've taken and the quality is very, very good. I bought mine in May (if you're interested in a slightly used model, PM me.) I ...
by Colorado13
Wed Dec 03, 2014 9:00 am
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 4964

Re: tipping rubbish pickup people and letter carriers

Does anyone have insights/opinions on tipping for curbside mail delivery (mentioned by another poster) and delivery to a community mailbox for ~20 homes? I've never tipped the mail carrier and currently have the community mailbox, which I actually prefer as it requires a key to access by mailbox.
by Colorado13
Tue Dec 02, 2014 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Just Paid Off My Car
Replies: 24
Views: 2905

Re: Just Paid Off My Car

Kudos to you! Great job.
by Colorado13
Tue Dec 02, 2014 8:50 am
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 4964

Re: tipping rubbish pickup people and letter carriers

My trash collector leaves an envelope with his home address on it (no stamp) so that I can send him $$. I find this quite annoying, because 1. I think a tip should be optional, not requested/implied as required. I may skip it this year, although I've given a gift in the past. 2. I generally have 1/3...
by Colorado13
Sat Nov 29, 2014 11:46 am
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 8894

Re: 10% off Target GiftCards - Black Friday Preview

Maybe Manny should buy a smartphone for you if he's so sorry. I don't have one either, so maybe he'll buy one for me too!

But, it's great to know you can convert them to hard copy (so to speak...)
by Colorado13
Fri Nov 28, 2014 9:40 pm
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 8894

Re: 10% off Target GiftCards - Black Friday Preview

I ordered some this morning but still have not received the confirmation email. The transaction is listed as "pending" on my credit card statement, so I'm going to keep my fingers crossed that all is well. I drove by the store today and the parking lot appeared to be pretty empty, relatively speakin...
by Colorado13
Tue Nov 25, 2014 9:18 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40193

Re: What do you splurge on?

I just ordered new shoes from Amazon, supposedly one of the last 3 pairs in my size. They were not on the Amazon list of BF sales. Due to my unique foot size, I don't always have a lot of options.

Big spender!
by Colorado13
Sat Nov 22, 2014 9:05 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40193

Re: What do you splurge on?

Sunny Sarkar wrote:Housing.

We are two and a half people (and a puppy) living in a 3200 sq.ft home, most of which belongs to the puppy.
Fine, I'll be the one to ask... which half of the half person lives with you? top half, bottom half, left half?
by Colorado13
Sat Nov 22, 2014 9:00 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40193

Re: What do you splurge on?

High end crafts. I bought a Dale Chihuly piece for my wife to celebrate her retirement. WOW! The Chihuly exhibit in Denver will end soon; I've seen it 5 times (membership to Botanic Gardens cost $35 and allows unlimited visits) and enjoyed every minute of it. Owning some of the art would be a wonde...
by Colorado13
Thu Nov 20, 2014 10:03 pm
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 70
Views: 147530

Re: What temperature for house for long winter absence?

I live in a frigid zone, and leave the house for more than a month at a time in winter. * fill the freezer with bread; fill the fridge with bottles of water why? I've read that fridges and freezers use less energy when they are full than when they are empty. This may be an urban myth - maybe one of...
by Colorado13
Thu Nov 20, 2014 9:48 pm
Forum: Personal Consumer Issues
Topic: Do freecyclers resell?
Replies: 11
Views: 2344

Re: Do freecyclers resell?

Exactly. I actually like it when the pickers dig through the trash during bulk pickup week. My stuff gets either reused or recycled and I don't have to mess with it. Same with me...most curb items don't last long in my neighborhood. I've seen people troll the neighborhood to pick up items. I don't ...
by Colorado13
Thu Nov 20, 2014 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 45
Views: 8190

Re: What were your biggest financial emergencies?

Another vote for dentist. The root canal was required, the other phantom problems led to me switch to a new dentist who doesn't find something wrong every time I go in for a cleaning. I have excellent medical insurance but my dental insurance leaves a lot to be desired. But I have well funded emerge...
by Colorado13
Wed Nov 19, 2014 2:21 pm
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 6257

Re: How much is saved by taking mass transit to work?

I suppose it depends on the math, but my car is paid for and I would pay insurance regardless of whether I commute or not. I would have to pay $16/day for transit = 2 1/2 hour commute (both directions.) So I drive ~50 minutes and pay $6/day for gas. I guess if I add in the wear/tear on the car, that...
by Colorado13
Tue Nov 18, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 11739

Re: Winter Coat

Ged wrote:... I looked like a giant blue marshmallow wearing it.
There should be a prize ("best laugh of the day" or something similar) for posts like this. :D
by Colorado13
Mon Nov 17, 2014 8:28 pm
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 8894

Re: 10% off Target GiftCards - Black Friday Preview

Thanks for posting. I'll order these from the comfort of home. I wonder if I can use my RedCard to save an additional 5%? I'll have to read the fine print.... Target REDCard purchases do not apply the 5% discount to gift cards. However, according to some forum posts online (different forum, forget ...
by Colorado13
Sun Nov 16, 2014 3:56 pm
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 8894

Re: 10% off Target GiftCards - Black Friday Preview

Thanks for posting. I'll order these from the comfort of home. I wonder if I can use my RedCard to save an additional 5%? I'll have to read the fine print....
by Colorado13
Sat Nov 15, 2014 6:54 pm
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 6522

Re: Who is mailing Holiday Cards this year?

joe8d wrote:
Also, I discovered the Rudolph and friends postage stamps that are new this year. I highly recommend them. :P
Check out the International Christmas stamp this year.It is circular with a wreath design.Looks great.
Nice! I like those too - very festive.
by Colorado13
Fri Nov 14, 2014 8:54 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38040

Re: Bogleheads, tell me about your 40's?

Wishing you all the best Crimson. I'm sorry to hear about your DW. Cancer sucks.
by Colorado13
Fri Nov 14, 2014 8:44 pm
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 6522

Re: Who is mailing Holiday Cards this year?

I like to give/receive cards and photos. I sent a thank you card to someone today - I think saying thank you is somewhat of a lost art.

Also, I discovered the Rudolph and friends postage stamps that are new this year. I highly recommend them. :P
by Colorado13
Wed Nov 12, 2014 8:42 am
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 43
Views: 7421

Re: Experience with Target Redcard?

I live near SuperTarget and use my RedCard all the time, both in the store and online. I refuse to shop at WalMart - I haven't been to one in ~10 years.
by Colorado13
Sat Nov 08, 2014 9:51 pm
Forum: Personal Consumer Issues
Topic: How can I find out the actual value of my car?
Replies: 19
Views: 3732

Re: How can I find out how much a dealer would really pay fo

But I just don't feel comfortable having a parade of random strangers coming over sniffing around my residence and test driving my car. I recommend that if you sell the car yourself, go to a very public parking lot rather than have the random strangers come to your home. I sold my previous car in a...
by Colorado13
Wed Nov 05, 2014 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 23325

Re: The 4-year mortgage payoff plan

Congratulations! Thanks for providing an update.
by Colorado13
Wed Nov 05, 2014 9:33 am
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 7090

Re: What do you set your thermostat to (in F)?

Winter: Overnight and when I'm not home: 62 When I'm home: 64-67. I'd like it warmer, but don't want to heat the entire house. Like Nordlead, I wear slippers quite a lot at home and they make a big difference in my comfort level. I plan to never buy another house that doesn't have a heat vent in the...
by Colorado13
Wed Nov 05, 2014 9:23 am
Forum: Personal Consumer Issues
Topic: Anyone using Page Plus Cellular
Replies: 17
Views: 2445

Re: Anyone using Page Plus Cellular

At the recommendation of several Bogleheads, I switched from Verizon to Page Plus in March. I am very satisfied with the price and coverage. I did use Kitty to help with the porting process from Verizon to Page Plus - that process went very smoothly.
by Colorado13
Mon Oct 27, 2014 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Gross to net pay calculator
Replies: 4
Views: 906

Re: Gross to net pay calculator

Thank you! It's all about the terminology...as usual, I was over-thinking this.
by Colorado13
Mon Oct 27, 2014 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Gross to net pay calculator
Replies: 4
Views: 906

Gross to net pay calculator

I have searched high and low for an updated gross to net pay calculator, with no success. I want to share the online calculator with a group of students during a 1-hour "finance 101" session so they can calculate the difference between gross and net pay. Recommendations are welcome. Thank you.
by Colorado13
Fri Oct 24, 2014 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 3645

Re: How did you buy your largest home?

I bought a 3-bedroom starter home at age 25 or 26. I sold it 8 years later to the first person who looked it and made a 25% profot. Then I built a new 3-bedroom home that was twice the square footage (and twice the cost) of the first home. I made a large down payment, so the principle + interest pay...
by Colorado13
Fri Oct 24, 2014 7:55 am
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 12609

Re: Do you regret buying your home?

No regrets, but admit I don't enjoy the game of 52,000 leaf pickup at this time of year.

I've sold two homes thus far and sold both to the first person who looked at the homes. Location and staging were the keys to quick, profitable sales.
by Colorado13
Thu Oct 16, 2014 7:44 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 22215

Re: Best place (with warm weather) to raise children

jdb wrote:Not Minot.
You catch on fast! :D It's very family friendly, schools are likely quite good, but there's that darn weather problem again... And it's far from diverse.
by Colorado13
Wed Oct 15, 2014 8:30 am
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 14383

Re: Best town I've never heard of [for relocating]

I think that this post is a beyond silly, did I mention that before? But in the spirit of response, Why not Minot? I drove through once and seemed very nice place. Have you been there in January? .... I live in Minneapolis and have to leave in the winter to warmer Climates. Can't handle winter anym...
by Colorado13
Thu Aug 28, 2014 7:02 pm
Forum: Personal Consumer Issues
Topic: roomba?
Replies: 13
Views: 2075

Re: roomba?

This says it all: cat in a shark costume riding a Roomba.
by Colorado13
Fri Aug 22, 2014 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for good paycheck calculator for net income
Replies: 4
Views: 1184

Re: Recommendation for good paycheck calculator for net inco

Check with your HR or payroll department at work. My employer provides a calculator for employee use and it's pre-loaded with rates that are specific to our required retirement contributions.
by Colorado13
Wed Aug 20, 2014 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 18650

Re: Kaiser vs Blue Shield

Given a choice, I'd go with Anthem BCBS over Kaiser in a heartbeat, but that's based on my CO experiences with both. Kaiser doctors (primary care, a specialist, and even the optometrist) were all sub-par, but I'm guessing there are some good ones out there and that there is quite a bit of variation....
by Colorado13
Tue Aug 19, 2014 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 2317

Re: Mississippi wins!

But how is the economy doing? The h.s. graduation rate is one of the lowest in the U.S. and I can't imagine that's a great economic indicator. http://www.higheredinfo.org/dbrowser/in ... measure=23
by Colorado13
Sun Aug 17, 2014 2:53 pm
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 4446

Re: When did you downsize?

I would like to downsize, but there are two problems: 1. the housing market in my area is a seller's market and inventory is incredibly low. 2. It seems that all newish homes are quite large. (By newish I mean less than 20 years old.) The only way I could downsize is to get a condo, which I don't wa...
by Colorado13
Sun Aug 10, 2014 7:21 pm
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 14782

Re: Where do you buy clothes?

Kohls (with coupon only), Macys (with coupon only), Target, and a local consignment store. I dislike clothes shopping so don't do it very often.
by Colorado13
Thu Aug 07, 2014 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 5392

Re: Neighbor's Tree

I feel your pain....my neighbor's leaves keep me busy for a few weekends each fall. I removed 3 trees from my backyard (not cheap) because they were infringing on my neighbor's yard (other side of the house - other neighbor). I called the city experts, who claim that I'm well within my rights to tri...
by Colorado13
Tue Aug 05, 2014 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 5079

Re: HELP! Budget Out of Control

Set40 wrote:
Looking4Ward wrote:How do you have 2.5 kids?
Sorry for the confusion
#1. 2 year old
#2. 1 year old
#2.5: Due in January
I'm a little bit surprised that no one (Livesoft maybe?) has recommended trying to deliver #2.5 in December so that you can have another tax deduction for 2014. :happy
by Colorado13
Wed Jul 23, 2014 8:03 am
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 3061

Re: 2 days in Portland, suggestions?

If you want to get out of town and see some scenery, go where he goes: http://instagram.com/biddythehedgehog
by Colorado13
Sun Jul 20, 2014 7:52 pm
Forum: Personal Consumer Issues
Topic: Anyone attend Worcester Polytechnic Institute
Replies: 45
Views: 4537

Re: Anyone attend Worcester Polytechnic Institute

Payscale includes ROI info: http://www.payscale.com/college-roi/full-list. WPI is listed as #18, with a 20-year net ROI = $664,900.
by Colorado13
Thu Jul 17, 2014 7:57 am
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 12050

Re: POLL: Walmart vs Amazon

Northster wrote:I boycott Walmart. Amazon may have its problems but I don't think they treat their employees as bad as Walmart.
+1
by Colorado13
Tue Jul 15, 2014 7:58 am
Forum: Personal Consumer Issues
Topic: University of British Columbia - Vancouver?
Replies: 31
Views: 2592

Re: University of British Columbia - Vancouver?

There are some political shenanigans going on at UT Austin with the Board, system Chancellor, and President. I have no idea if this would have any impact on the quality of education at UT-A, but it might be something to consider as you make your decision. Universities churn the leadership regularly ...
by Colorado13
Fri Jul 11, 2014 8:07 am
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 7500

Re: Urban garden bed--ideas to deter dog owners

The city of Boulder is proposing a new process to deal with dog waste. Maybe you could jump on this bandwagon and implement something similar in your area: A cheek swab would be added to the city's dog-registration process (What about the issue of non-registered dogs?) The DNA information would be e...
by Colorado13
Wed Jul 02, 2014 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 115
Views: 22946

Re: How to admit/should I admit alcohol problem to employer

Raymond wrote:No advice from me, but I wish you the best.
+1. Admitting you need help is a great start. I wish you all the best.
by Colorado13
Wed Jul 02, 2014 1:31 pm
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 17
Views: 2120

Re: Building a home

Really is a local type question. When we built our house (20 years ago) we found houses that needed updating cost the same as building new. But I believe that now there are a glut of new houses that has driving down the prices of "old" houses. I agree this is local. The above may be true in your ar...
by Colorado13
Wed Jul 02, 2014 1:27 pm
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 2231

Re: Dumb phone save hikers life

Maybe if he'd had a smart phone, he wouldn't have gotten lost in the first place :P Don't take this as a criticism, but my recommendation is to not to rely only on a phone while hiking. It creates a false sense of security for a lot of people. Phones are often dropped (as was the case in the situat...
by Colorado13
Sat Jun 28, 2014 12:05 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 8793

Re: How do you afford to travel?

I don't intend for this to sound too simplistic, but one strategy is to live near lots of interesting things that you would want to visit while traveling. For me, it's nature and hiking (CO, UT, NM, WY are very drive-able from where I live.) For others, it's bit cities with lots of activities in the...
by Colorado13
Fri Jun 27, 2014 1:44 pm
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 12807

Re: Please help us decide where to live

Here's another response that doesn't address your "how to get unstuck" question, but... I'm definitely not one of those people who think that CO is the be all and end all - it really is not. But, after re-reading your initial references to friends/family living all over the U.S., keep in mind that f...