Search found 766 matches

by Colorado13
Thu Jun 16, 2011 1:02 pm
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

You stopped to fill up when you only needed 3 gal? Sounds wacky, I agree. I was trying to test the gas mileage at 1/4 tank left, 1/2 tank left, and 1/4 tank left, but have since learned from the board that relying on the gauge is futile and that relying on mileage is a better approach. I typically ...
by Colorado13
Thu Jun 16, 2011 8:02 am
Forum: Personal Finance (Not Investing)
Topic: At what age does it go downhill
Replies: 140
Views: 18980

Re: Cancer

Bogleheads: About six years ago I had scratching in my throat. It turned out I had stage 4 cancer and was scheduled for an operation in which the surgeon said I might lose my voice. I told the surgeon that if it meant losing my voice (I once taught public speaking) to just let me die. The surgeon i...
by Colorado13
Thu Jun 16, 2011 7:57 am
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

Here's the math on my last four fills: 218.1 miles / 8.816 gallons = 24.7 255.3 / 11.622 = 22.0 109 / 3.499 = 31.2 121.6 / 3.205 = 37.9 Is there a lot of variability in how you drive? If that 121.6 miles was all at 60 MPH on the freeway, and that 255.3 miles was in stop-and-go traffic in the big ci...
by Colorado13
Wed Jun 15, 2011 7:42 pm
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

SamGamgee wrote:I'm guessing you messed up the math.
Tough to mess that up, I think. Here's the math on my last four fills:

218.1 miles / 8.816 gallons = 24.7
255.3 / 11.622 = 22.0
109 / 3.499 = 31.2
121.6 / 3.205 = 37.9
by Colorado13
Wed Jun 15, 2011 7:58 am
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

Thank you. It seems to take a while to get from "over full" to "full" but once I get down to a quarter tank, for example, I get to empty fairly quickly. Thanks everyone for your insights - I'm glad to learn I've been calculating mpg correctly all these years but wish the gauge was a bit more accura...
by Colorado13
Tue Jun 14, 2011 10:07 pm
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

:D as well as every tank has a different amount it can take after full. Some .5,.10,1.5,2.3,2.4,2.5 gallons/liters. Jus saying~ Thank you. It seems to take a while to get from "over full" to "full" but once I get down to a quarter tank, for example, I get to empty fairly quickly. Thanks everyone fo...
by Colorado13
Tue Jun 14, 2011 9:53 pm
Forum: Personal Consumer Issues
Topic: Any runners, hikers or backpackers?
Replies: 43
Views: 4340

Exige wrote:I started running about a year and a half ago once I started my weight loss. (down 106 lbs!) and now im absolutley addicted to it doing the boulder bolder on monday 10k local race and cant wait!
Congrats on your progress! Good luck in Boulder.
by Colorado13
Tue Jun 14, 2011 9:49 pm
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

I'm wondering if anyone else has this experience or has any theories about this: If I fill my gas tank when it is about 3/4 full, I get 37 mpg. When I fill if it is about 1/2 full, I get about 24 mpg and if I fill when it is 1/4 full, I get about 19 mpg. There is a float in your gas tank which meas...
by Colorado13
Tue Jun 14, 2011 9:47 pm
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

marstaton4 wrote:Divide miles driven by how many gallons you fill up with to get your mileage.
That's exactly what I'm doing. Thanks.
by Colorado13
Tue Jun 14, 2011 7:39 pm
Forum: Personal Consumer Issues
Topic: Gas Mileage Oddity
Replies: 33
Views: 3180

Gas Mileage Oddity

I'm wondering if anyone else has this experience or has any theories about this: If I fill my gas tank when it is about 3/4 full, I get 37 mpg. When I fill if it is about 1/2 full, I get about 24 mpg and if I fill when it is 1/4 full, I get about 19 mpg. I'm assuming this means the gas gauge is wack...
by Colorado13
Wed Jun 08, 2011 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 13815

A 2 br apt would be 50% of my brother's salary - a quick google reveals that the average 2 br apt in his low scoring school district is $1650/month, or almost $20k/yr. He's 45 years old and supports a family of 4 on $40k/yr. Fortunately he and his future wife each bought a house in their mid 20s be...
by Colorado13
Wed Jun 08, 2011 8:12 am
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 65
Views: 5543

By the way there are tons of physical sunscreens on the market. I don't sell them or get free lunches etc but ones I currently like of the physical variety include neutragena ultra sheer and blue lizard but that one can be a little thick. nuetragena ultra sheer: (pure chemical sunblock) ingredients...
by Colorado13
Wed Jun 08, 2011 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 13815

It's not quite so easy for one to up and relocate especially with a kid and the job is not portable and/or equivalent cost of living type salary found in a lower cost enviornment. These aren't excuses - this is real life and for more folks than you can imagine. A 2 bedroom apartment costs $1,500 a ...
by Colorado13
Tue Jun 07, 2011 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 13815

It's not quite so easy for one to up and relocate especially with a kid and the job is not portable and/or equivalent cost of living type salary found in a lower cost enviornment. These aren't excuses - this is real life and for more folks than you can imagine. A 2 bedroom apartment costs $1,500 a ...
by Colorado13
Tue Jun 07, 2011 7:26 pm
Forum: Personal Consumer Issues
Topic: Things to shut off in a house before you leave on a vacation
Replies: 36
Views: 13665

Jack90210 wrote:
SP-diceman wrote:Be careful if your in a cold climate.
I’ve heard of water being turned off and pipes freezing.

Thanks
SP-diceman
I think that's the heat, not the water.
Actually, it's the water too. Pipes can freeze more readily if you turn the water off in cold climates.
by Colorado13
Tue Jun 07, 2011 7:24 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 65
Views: 5543

I wear sunscreen when I'm outdoors regardless of the time of day/time of year, but I am very fair skinned. I recommend you do the same, but maybe I'm overcautious because of a minor treatable skin cancer issue that I had to deal with a few years ago. As a result, one of my soapbox issues is "Always ...
by Colorado13
Mon Jun 06, 2011 8:15 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Do With Your Change?
Replies: 70
Views: 8052

I got an electronic "piggy bank" for Christmas a few years ago from my old boss. It's kind of awesome because it tells you how much change you have put in so I just put my change in it and then every year I cash it in near my birthday and buy myself a birthday present I normally would never spend m...
by Colorado13
Sat Jun 04, 2011 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Do With Your Change?
Replies: 70
Views: 8052

I keep mine in a couple of coffee mugs. Before going on vacation, I take them to the bank to cash them out, then use the cash as extra vacation no-guilt, fun money.
by Colorado13
Fri Jun 03, 2011 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer advice: Need to negotiate?
Replies: 21
Views: 1961

Re: Job offer advice: Need to negotiate?

I’m inclined to accept the offer as is. Can anyone suggest areas that should/could be negotiated? Looks like a great offer, but maybe vacation time? That's a big one. I agree with the vacation time suggestion. It doesn't hurt to ask for a week or two up front, rather than having to accrue it. Congr...
by Colorado13
Fri Jun 03, 2011 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: extreme couponing
Replies: 82
Views: 7813

Here is the thing. It is far better and far more important to learn the grocery sales cycle. Read the ads for all the grocers and drugstores in your area (yes, drugstores can sell cheap foods too; Walgreens for example sells spices at 50c after in-ad coupon every few weeks). Familiarize yourself wi...
by Colorado13
Fri Jun 03, 2011 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: The benefits of delaying retirement
Replies: 117
Views: 12807

My plan is to take the middle road as I hope to transition from 5 days a week to 4 days a week, then hopefully 3... I would actually love to do 4 days a week now but like having the income from day 5. But it's good to dream (and to plan of course!)
by Colorado13
Thu Jun 02, 2011 8:54 pm
Forum: Personal Consumer Issues
Topic: Am I The Only One To Be Annoyed When I hear
Replies: 80
Views: 7906

How does everyone here feel about sir and ma'am? I typically address people who come into my office by saying something like "how can I help you today sir?" Then once I find out their name I call them Mr. or Mrs. Whatever. Only once have I had a lady get a bit pissy about me calling her Ma'am. Sorr...
by Colorado13
Thu Jun 02, 2011 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Things Great Companies Do...
Replies: 18
Views: 2391

My employer pays 100% of my medical and dental premium and contributes 12.5% of my salary to my retirement fund; which are both nice benefits.
by Colorado13
Thu Jun 02, 2011 8:35 am
Forum: Personal Finance (Not Investing)
Topic: extreme couponing
Replies: 82
Views: 7813

I agree that it is much healthier to buy fresh rather than processed food. My Sunday paper includes a lot of coupons for junk food and highly processed food, but my theory is that I would rather pay for high quality fresh, organic food. Sure I can save a couple bucks now by buying junk food, then in...
by Colorado13
Thu Jun 02, 2011 8:31 am
Forum: Personal Consumer Issues
Topic: Using a foam roller
Replies: 11
Views: 1911

Wonderful! I am glad to hear it has brought you some pain relief.
by Colorado13
Tue May 31, 2011 8:16 pm
Forum: Personal Consumer Issues
Topic: Using a foam roller
Replies: 11
Views: 1911

1. Both. I started using it because of IT band pain but I also use it on hamstrings and upper back. 2. I try to use it every day but that doesn't always happen... 3. Initially, I could only manage about 15-20 seconds on the IT band. For other body parts, a bit longer was manageable. As the pain subs...
by Colorado13
Wed May 18, 2011 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investment project (not real money)
Replies: 27
Views: 2081

My undergrad finance degree required a similar project; we had to select and monitor stock and fund prices for a ten-week intro to investing class. Yes, ten weeks. The short term nature of the project seemed ridiculous to me. Later I realized I was on track to become a Boglehead/long term investor, ...
by Colorado13
Sat May 14, 2011 5:07 pm
Forum: Investing - Theory, News & General
Topic: Just wondering how much people are saving for retirement
Replies: 76
Views: 8492

I've been saving about 27-30% of gross since age 22. I'm really glad I started when I was young, thanks to those finance professors who taught me about future value of money. I recently started a new job and learned that my 10% required retirement contribution (plus 12% match) does not count toward ...
by Colorado13
Sat May 14, 2011 4:53 pm
Forum: Personal Consumer Issues
Topic: Clothes care instructions
Replies: 16
Views: 2358

Like others have mentioned, I recommend cold water for everything except towels, sheets and gym socks. :) I use gentle cycle unless the clothes are really dirty (which isn't very often...) I use the dryer only for jeans, towels, and sheets. While I try to avoid dry clean only garments, I'm short, so...
by Colorado13
Sat May 14, 2011 4:41 pm
Forum: Personal Consumer Issues
Topic: Is trying to sell a home without realtor a bad idea?
Replies: 19
Views: 2832

I sold a house without a realtor, to the first person who looked at the house. It was at a price point that was that did not have much competition. If your house has some unique feature (price, great location on the lake, etc.) I say go for it. If it's one of 3 homes for sale on your block, it may n...
by Colorado13
Wed May 11, 2011 6:09 pm
Forum: Personal Consumer Issues
Topic: Which wireless carrier do you use?
Replies: 14
Views: 1843

I am happy with Verizon but am considering Tracfone to reduce expenses. I used Tracfone a couple years ago and thought the customer service was awful, but the phone plan price was affordable.
by Colorado13
Wed May 11, 2011 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a older car with good gas mileage: dumb idea or not?
Replies: 19
Views: 4508

Hi everyone. I agree that owning two cars is not ideal and is likely a poor use of my limited financial resources. But, I do want to keep the Santa Fe. It is the first 4WD vehicle I have ever owned and I love it, especially on days like today when we received snow. (I double checked the calendar, ye...
by Colorado13
Tue May 10, 2011 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a older car with good gas mileage: dumb idea or not?
Replies: 19
Views: 4508

Thank you Tom, for the website, that is so helpful. Thanks Janet for the CNG info, I was not aware of that. Scott I don't really think 2003 is an older car, but it is a little older than my current vehicle. I have a 2005 Santa Fe, which I purchased in 2007 (so it's still getting broken in), and want...
by Colorado13
Tue May 10, 2011 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a older car with good gas mileage: dumb idea or not?
Replies: 19
Views: 4508

Buying a older car with good gas mileage: dumb idea or not?

I would love some feedback. I recently started a new job and so far the only downside is a much longer commute than I have had in the past. I have been considering buying a used car that gets good gas mileage (maybe a 2000-2003 Civic) and have determined that it will take about 4-5 years to break ev...
by Colorado13
Mon May 09, 2011 8:08 pm
Forum: Personal Consumer Issues
Topic: Vegetable gardening
Replies: 97
Views: 14712

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: 12130

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: 6352

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: 1524

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: 1583

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: 1901

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: 5946

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: 1583

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: 1901

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: 6352

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: 1130

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: 3638

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: 1130

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: 16648

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: 9355

[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: 9355

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 ...