Search found 717 matches

by Colorado13
Fri Nov 14, 2014 8:54 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 23157

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: 6489

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: 7348

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: 3717

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: 23167

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: 7025

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: 2429

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: 898

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: 898

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: 3627

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: 12496

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: 21540

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: 14266

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: 2063

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: 1168

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: 18153

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: 2308

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: 4418

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: 14679

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: 5367

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: 5052

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: 2999

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: 4435

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: 11936

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: 2579

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: 7396

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: 22457

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: 2100

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: 2219

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: 8727

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: 12692

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...
by Colorado13
Fri Jun 27, 2014 8:03 am
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 12692

Re: Two thoughts

SDF wrote: Thanks for the feedback. We can't even afford Longmont??? I mean, MMM lives there! ;-)
Longmont is do-able with your budget. Boulder, no way.
by Colorado13
Thu Jun 26, 2014 8:08 am
Forum: Personal Consumer Issues
Topic: Santa Fe Recommendations?
Replies: 5
Views: 953

Re: Santa Fe Recommendations?

I enjoy the Museum of International Folk Art: http://www.internationalfolkart.org/.
by Colorado13
Mon Jun 23, 2014 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Denver: Visiting and Possible Relocation
Replies: 25
Views: 2626

Re: Denver: Visiting and Possible Relocation

Another great resource is City Data Forum Denver. I agree with your statement that the economy in the area is robust, but it's also well known for relatively low salaries when compared to the cost of living. The COL will be much lower than San Francisco but it's a very, very different vibe in terms ...
by Colorado13
Fri Jun 13, 2014 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 4305

Re: I need a Bogleheads reminder

Spend less on the house and more on trips to get away from the cold each winter. I used to live in a place where I could almost see Canada and unless you really love cold, the mid-winter break(s) to a warmer climate will help save your sanity.
by Colorado13
Fri Jun 13, 2014 7:55 am
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 16964

Re: engineers - please help with engineering school selectio

You might consider Olin. It is a small, highly selective engineering school near Boston. Innovative, very hands on curriculum, and they give an automatic 1/2 tuition discount for everyone who gets in. They also use the FAFSA for financial aid (as opposed to the CSS Profile), so they're a little kin...
by Colorado13
Fri Jun 13, 2014 7:54 am
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 16964

Re: engineers - please help with engineering school selectio

livesoft wrote: A note on paying for college --- I believe that you are mistaken that the top private schools (MIT, Stanford, CMU, CalTech, Rice, Mines, etc) will cost you less than an out-of-state flagship.
Mines is a public institution, not private.
by Colorado13
Thu Jun 12, 2014 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 16964

Re: engineers - please help with engineering school selectio

crake wrote: As boneheads know a high salary isn't the only way to a high net worth.

Good one! :D
by Colorado13
Thu Jun 12, 2014 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 16964

Re: engineers - please help with engineering school selectio

CO School of Mines for mechanical, CU Boulder for aerospace. Petroleum for the highest starting salaries of any engineering discipline. Financial aid will be nearly identical at both schools. Certainly visit CSU also, but Mines (#5 in terms of ROI for the entire U.S., see http://www.payscale.com/col...
by Colorado13
Wed Jun 11, 2014 8:08 am
Forum: Personal Finance (Not Investing)
Topic: New college grad looking to get on the right track!
Replies: 17
Views: 1434

Re: New college grad looking to get on the right track!

Welcome to CO! I am also a MN transplant. I do some of my banking at FirstBank (also at Ally, PenFed, and credit card from Chase) which a lot of ATMs in the Denver-Boulder metro area. Otherwise, it's pretty standard and I don't see a great reason to have your credit card from that bank if better opt...
by Colorado13
Thu May 29, 2014 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 5881

Re: BoA - Paying extra on mortgage principal

We have a PenFed 5/5ARM and pay a different amount every month with no issues at all. The extra is always applied to the principal. I log on to penfed.org, click on make a payment, select my outside brick/mortar bank, the date, the amount and that's it. I use the mortgage professor calculator to do...
by Colorado13
Thu May 29, 2014 8:11 am
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 5664

Re: running shoes for a severe overpronator(flatfoot)

Check out Runner's World shoe reviews or have a gait analysis done at a running store. You may also consider orthotics; a physical therapist (and probably other healthcare providers) can help you get the right fit.
by Colorado13
Thu May 29, 2014 8:08 am
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 5881

Re: BoA - Paying extra on mortgage principal

I have the same issue with PenFed - extra principal can't be applied online. They mess it up every single time and apply it to my regular payment, then cancel my regular autopay. I've been a homeowner for 25+ years and this is the first loan in at least 18 years that did not support online principal...
by Colorado13
Sun May 25, 2014 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you negotiated benefits with a new job?
Replies: 25
Views: 3220

Re: How many of you negotiated benefits with a new job?

It depends on the organization of course, but negotiations are the norm at many companies. If you don't ask for what you want, you'll never know what is negotiable and what is not. Do you have any connections inside either of the companies? Insiders may be able to share insights regarding company no...
by Colorado13
Sun May 25, 2014 9:46 pm
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 3127

Re: Low cost retirement options

Isn't Colorado a lot smokier these days? No majors fires this spring...yet. Many areas have received near-record rain in the past couple of weeks (depending on location, of course). But, you may not be referring to smoke from fires and are referring to smoke from a recently legalized substance..the...
by Colorado13
Sat May 24, 2014 6:22 pm
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 3127

Re: Low cost retirement options

I agree that Colorado is not likely a good option due to cost and altitude, as others have mentioned. I can't vouch for this website, http://www.copd-international.com/COPD-Info/index.php/top-ranked-hospitals-for-pulmonology/, as the original source is US News and World report rankings, but here are...
by Colorado13
Fri May 16, 2014 7:51 am
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 5833

Re: Garden 2014

I'm envious of those with berries. My patch has produced very little in the past two summers, despite having lots of greenery. Maybe this year will be different....
by Colorado13
Thu May 15, 2014 8:00 am
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 5833

Re: Garden 2014

I planted the tomatoes, peas, and eggplant in early May. I covered them with a tarp and moved a few into the garage last weekend in anticipation of snow. They're all back outside and doing well. We've had wonderful moisture lately so the lawn, garden, strawberry patch, and flower beds are gorgeous a...
by Colorado13
Sun May 11, 2014 8:20 am
Forum: Personal Consumer Issues
Topic: Why do these people want to buy my home?
Replies: 24
Views: 8301

Re: Why do these people want to buy my home?

The letters/cards sent to my home are from realtors. Homes in my neighborhood are selling in hours, often for over asking price. Some realtors are also going door to door to try to drum up business. I'm sure this is a temporary situation, due to the lack of housing inventory. I would guess that low ...
by Colorado13
Sun May 11, 2014 8:16 am
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 7251

Re: What it’s like be 100 years old

Another perspective, although it's fiction, is The 100-Year-Old Man Who Climbed Out the Window and Disappeared, a book by Jonas Jonasson. I recommend it if you're able to suspend belief for a while....