Search found 732 matches

by Colorado13
Mon May 09, 2011 8:08 pm
Forum: Personal Consumer Issues
Topic: Vegetable gardening
Replies: 97
Views: 14534

When I lived in MN, I typically waited until around Memorial Day to do the majority of the planting. YMMV. Not to get too far off topic, but I would recommend buying a food saver/seal-a-meal type device, so that you can freeze extra food for use throughout the winter. I do this with my garden and th...
by Colorado13
Mon May 09, 2011 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Home Maintenance Expenses
Replies: 47
Views: 11944

I would recommend that you take a very close look at the inspector's report (which you should have done after you have made the offer, but before closing.) That report is likely to provide detailed information regarding how many more years of life you have for various big-ticket items, such as the r...
by Colorado13
Thu May 05, 2011 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Those with finance degrees...
Replies: 41
Views: 6305

Once you did an internship, they know you and it will be a lot easier to get a permanent job. Excellent point about internships. You need to make yourself stand out from other applicants and an internship is an excellent way to do that. Another bonus is that the internship can give you insights reg...
by Colorado13
Thu May 05, 2011 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Very basic IRA question
Replies: 14
Views: 1504

Re: Very basic IRA question

I'm pretty fortunate to be where I am financially at this age, which is one reason why I want to get it into long-term investments before I come up with 'great' ways to spend it. I applaud you for this attitude -- you are definitely on the right track by exploring options for investing rather than ...
by Colorado13
Wed May 04, 2011 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining Canadian funds for trip to Toronto
Replies: 12
Views: 1536

Thanks everyone, for the advice. I do have a valid passport, so that's not a problem, but is a very good reminder--thank you. I really appreciate the advice about just using a credit card and ATMs--that seems so much simpler than exchanging money prior to the trip (which I've done when I've gone to ...
by Colorado13
Wed May 04, 2011 3:34 pm
Forum: Personal Consumer Issues
Topic: Help! Mother's Day Ideas?
Replies: 17
Views: 1885

I might add that instead of flowers (which often die within a week, depending on what you purchase) maybe consider a nice planter filled with flowers that will last all/most of the summer. You can get these at Lowes/Home Depot/grocery stores as well as at a nursery. Or a plant/bush/small tree if yo...
by Colorado13
Wed May 04, 2011 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: You know you are a personal finance boglehead when....
Replies: 51
Views: 5899

chaz wrote:DW likes Kohl's and Target.
I also love Kohls and Target. My local Target has organic fruits/veggies for less than Whole Food and Kohls always has great sales. I never buy anything at regular price at Kohls because of their frequent 20-30-40% off sales. And their clearance sales are amazing.
by Colorado13
Wed May 04, 2011 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining Canadian funds for trip to Toronto
Replies: 12
Views: 1536

Obtaining Canadian funds for trip to Toronto

I have appreciated the advice I have received on the Forum and have yet another question... I am traveling to Canada in a few weeks to attend a work-related conference. My bank charges $10 to $65 to convert American money into Canadian money. My credit card charges a 3% international fee, so I am tr...
by Colorado13
Wed May 04, 2011 12:14 pm
Forum: Personal Consumer Issues
Topic: Help! Mother's Day Ideas?
Replies: 17
Views: 1885

I might add that instead of flowers (which often die within a week, depending on what you purchase) maybe consider a nice planter filled with flowers that will last all/most of the summer. You can get these at Lowes/Home Depot/grocery stores as well as at a nursery. Or a plant/bush/small tree if you...
by Colorado13
Wed May 04, 2011 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Those with finance degrees...
Replies: 41
Views: 6305

I graduated with a B.S. in finance (minors in econ and tech writing) and one of the smartest things I've done is that I worked for an employer who was willing to pay for me to complete my M.S. I worked full time and attended grad school on a part-time basis. So, I would recommend that, as you seek e...
by Colorado13
Wed May 04, 2011 8:16 am
Forum: Personal Consumer Issues
Topic: My computer audio is gone
Replies: 8
Views: 1096

problem solved

Thank you all SO much for your advice. I tried several of your suggestions and am happy to report that my audio is now functioning again. Thank you for your advice!
by Colorado13
Tue May 03, 2011 8:59 pm
Forum: Personal Consumer Issues
Topic: Advice on a trip to Ireland?
Replies: 26
Views: 3603

Congratulations on your upcoming anniversary! If you have time/interest, I would recommend a trip to the Cliffs of Moher, which are quite amazing. http://en.wikipedia.org/wiki/Cliffs_of_Moher. May I ask what time of year you are planning to travel? I went in February, which was ideal in terms of it ...
by Colorado13
Tue May 03, 2011 8:48 pm
Forum: Personal Consumer Issues
Topic: My computer audio is gone
Replies: 8
Views: 1096

My computer audio is gone

Hi. I am wondering if anyone has any advice regarding why/how my computer's audio disappeared and how I can get it back? I am running Windows Vista, the speakers are on and plugged in, but I don't have audio and don't have any idea why, because I had audio last week. This is not a new computer, so I...
by Colorado13
Sun Apr 24, 2011 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever tracked your spending for a year?
Replies: 105
Views: 16376

In addition to tracking spending, a couple of months ago I started tracking how much money I save by using coupons and buying essentials on sale rather than at regular price. It has been interesting for me to quantify how much I save by making good purchasing decisions on the small things (groceries...
by Colorado13
Sun Apr 24, 2011 12:54 pm
Forum: Personal Consumer Issues
Topic: Everyday things you do to save money
Replies: 58
Views: 9280

[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: 9280

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: 9280

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: 5720

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: 5720

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: 14301

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: 1745

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: 738

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: 2449

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: 738

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: 8195

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: 8195

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: 2813

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: 2747

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: 15269

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: 4405

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: 2010

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: 2010

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...