Search found 718 matches

by Colorado13
Sun Apr 24, 2011 12:54 pm
Forum: Personal Consumer Issues
Topic: Everyday things you do to save money
Replies: 58
Views: 9235

[quote="ClaireTN"]I'm always surprised by how much some of my friends spend on things like clothing, makeup, shoes, and haircuts and colorings. I dress well and look professional, but there's no way that I'm going to update my wardrobe every time women's fashion changes! I don't see any reason to pa...
by Colorado13
Sun Apr 24, 2011 12:43 pm
Forum: Personal Consumer Issues
Topic: Everyday things you do to save money
Replies: 58
Views: 9235

1. Unplug washer, dryer, tv, floor lamps, and computer when not in use. If you have smart washer/dryers, they might draw power when "off", but floor lamps certainly do not. Thanks! I didn't know that about the lamps, so that's helpful info. I only unplug the things that are easy to reach and don't ...
by Colorado13
Sun Apr 24, 2011 12:13 pm
Forum: Personal Consumer Issues
Topic: Everyday things you do to save money
Replies: 58
Views: 9235

I find these tips really helpful. Here are mine, none are too exotic: 1. Unplug washer, dryer, tv, floor lamps, and computer when not in use. 2. Almost never use the clothes dryer. 3. Borrow dvds from the library; I have not been to a movie theatre in at least two years. 4. Re-read "Simple Prosperit...
by Colorado13
Fri Apr 22, 2011 5:31 pm
Forum: Personal Consumer Issues
Topic: How much to spend on high school graduation gift?
Replies: 20
Views: 5664

Thanks everyone - I appreciate the advice!
by Colorado13
Thu Apr 21, 2011 7:57 pm
Forum: Personal Consumer Issues
Topic: How much to spend on high school graduation gift?
Replies: 20
Views: 5664

How much to spend on high school graduation gift?

I am wondering what the going rate is for a high school graduation gift? I have not seen (nor heard from) the graduate for 15 years. I exchange holiday cards with his parents (one is a former classmate from college), but have not seen the family for 15 years. What do you recommend as the etiquette/s...
by Colorado13
Wed Apr 20, 2011 1:35 pm
Forum: Personal Consumer Issues
Topic: New home build...anything youd want/change/splurge on...
Replies: 95
Views: 14259

I recommend skylights if you like a lot of natural light. My previous house (which I built) had them, my current house does not, and I miss them a lot. Also, heated floors, especially in the tiled floor of the bathrooms. This is a small detail, but I had the builder put in pocket doors instead of re...
by Colorado13
Mon Apr 18, 2011 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Purchased a new home- help with questions
Replies: 13
Views: 1733

Congratulations and welcome to Colorado! You definitely should make the investment of hiring professionals to review the contract and conduct a thorough home inspection.
by Colorado13
Fri Apr 15, 2011 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing Defined Contribution Plan or Defined Benefit Plan
Replies: 3
Views: 722

U haven't provided enough info such as Is there a match with the dc plan or just what u invest What is the vesting period for the db plan Is the db plan a 412i or e. Hi. There is a match with the DC plan, I contribute 10% of salary, employer contributes 8%. The vesting period for the DB plan is 5 y...
by Colorado13
Fri Apr 15, 2011 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: refinance or not?
Replies: 16
Views: 2429

Bankrate.com also has some useful calculators, including some good refinance calculators. I agree with other posters that those closing costs seem high. I refinanced in March and my costs were much less than what you were quoted, although my mortgage balance is higher than yours. I agree with the "s...
by Colorado13
Fri Apr 15, 2011 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing Defined Contribution Plan or Defined Benefit Plan
Replies: 3
Views: 722

Comparing Defined Contribution Plan or Defined Benefit Plan

I am switching jobs and the new employer offers defined contribution and defined benefit plans. All of my current retirement earnings are in defined contribution plans or in my IRAs. So, I am seeking advice regarding which variables to analyze as I consider if I should devote my retirement funds to ...
by Colorado13
Tue Apr 12, 2011 8:17 pm
Forum: Personal Consumer Issues
Topic: Should I even bother buying music CDs any more?
Replies: 59
Views: 8170

Re: CDs

Another poster mentioned the possibility of obtaining CDs from the library. I copy them to my computer and I believe that as long as I don't sell the music, it's okay for me to burn a cd or copy the music to an mp3 player. Can someone correct me if my understanding of the legalities is not accurate...
by Colorado13
Mon Apr 11, 2011 8:13 pm
Forum: Personal Consumer Issues
Topic: Should I even bother buying music CDs any more?
Replies: 59
Views: 8170

CDs

Another poster mentioned the possibility of obtaining CDs from the library. I copy them to my computer and I believe that as long as I don't sell the music, it's okay for me to burn a cd or copy the music to an mp3 player. Can someone correct me if my understanding of the legalities is not accurate....
by Colorado13
Sat Apr 09, 2011 3:27 pm
Forum: Personal Consumer Issues
Topic: Hiking Mosquito Range, Colorado, July
Replies: 18
Views: 2795

dbr gave some really good advice. Another suggestion is to not wear brand new hiking boots, be sure they are broken in (even if just from walking around the neighborhood for several hours) so you don't get sore feet. Be sure to find someone 'on the ground' who knows your schedule. So, if you don't r...
by Colorado13
Sat Apr 09, 2011 3:16 pm
Forum: Personal Consumer Issues
Topic: Out of a job?
Replies: 6
Views: 2731

Sandwich board

A friend and I were discussing how much I dislike the businesses that hire people to stand on street corners, jumping around and wearing/holding signs that promote the business. I know that times are tough but this seems demeaning to me and I generally think pretty poorly of businesses that do this,...
by Colorado13
Sat Apr 09, 2011 3:05 pm
Forum: Personal Consumer Issues
Topic: Favorite cheap, easy, quick at-home meal
Replies: 99
Views: 15231

favorite cheap meal

I will often scramble a couple eggs, mix in some cheese, salsa, and tomatoes and make a quick/easy omelet. I used to eat cereal for supper once or twice a week because I really like cereal, but in an attempt to eat healthier, I've switched to eggs plus veggies rather than just cereal/carbs.
by Colorado13
Sat Apr 09, 2011 2:55 pm
Forum: Personal Consumer Issues
Topic: 10-minute workout?
Replies: 32
Views: 4371

10-minute workout

I agree that 10 minutes is better than nothing but I also believe that health is so critical and that not making it a priority now is really setting yourself up for financial and physical risks later in life. You want to be available to your kids now, which is great, but in order to be able to be ar...
by Colorado13
Sat Apr 09, 2011 2:48 pm
Forum: Personal Consumer Issues
Topic: Should I reduce amount spent on gifts?
Replies: 18
Views: 1996

Thanks for all of the feedback. I do not feel obligated to give the gifts, but do wonder if I should trim the holiday and birthday gift list/value of gifts. Over the course of the year, my gift giving is equivalent to about one extra mortgage payment. (And that's not including Christmas, but I'm oka...
by Colorado13
Fri Apr 08, 2011 10:12 pm
Forum: Personal Consumer Issues
Topic: Should I reduce amount spent on gifts?
Replies: 18
Views: 1996

Should I reduce amount spent on gifts?

Other posts lead me to believe that many Bogleheads contribute to charities and are generous with gifts, so I believe you may have some insights. I am trying to accelerate my mortgage payments and as a result have been tracking (and limiting) my discretionary spending very closely. I have reduced ea...