Search found 103 matches

by BUBear29
Sun Jun 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3044

Re: BMW X5 2017 - Seeking advice

As a follow up, once the vehicle is our of warranty, you should never find yourself at the BMW dealership/service center again. Find a good local shop that specializes in European cars/bmw's and you won't have $4500 bills like mentioned above. I have never paid that much combined on all my vehicle s...
by BUBear29
Sun Jun 18, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3044

Re: BMW X5 2017 - Seeking advice

2012 X5 35D owner here. No issues and only routine maintenance with 12k-15k miles a year. Fabulous vehicle and the diesel in worth its weight in gold.
by BUBear29
Thu May 18, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: Suggested Reading or Advice for Father-to-be
Replies: 28
Views: 2097

Suggested Reading or Advice for Father-to-be

Hello Bogleheads,

The wife and I just visited the doctor, and we have a strong heartbeat at 8 weeks! Now expecting a new baby around Christmas!

Any suggested readings or advice for first time parents or a first time father?

Thanks!
by BUBear29
Mon Apr 17, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Anyone have sod installed?
Replies: 16
Views: 1870

Re: Anyone have sod installed?

Live in Dallas. Just re-sod my back yard which is about 2000 SF. Planted zoysia - excellent grass for warmer climates and if there is a bit of shade. very pretty and comfortable grass. cost me $4k to grade,till, add a french drain and grass. Thanks, I was thinking zoysia too as it was recommended b...
by BUBear29
Mon Apr 17, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Anyone have sod installed?
Replies: 16
Views: 1870

Re: Anyone have sod installed?

Live in Dallas. Just re-sod my back yard which is about 2000 SF. Planted zoysia - excellent grass for warmer climates and if there is a bit of shade. very pretty and comfortable grass. cost me $4k to grade,till, add a french drain and grass.
by BUBear29
Sat Apr 15, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 25764

Re: Age when you started to max out your retirement accounts?

Wife and I are 27/28 and max my 401k, roth ira and her retirement fund, deferred comp and roth ira.
by BUBear29
Thu Apr 13, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to a Lazy portfolio : Should I wait for a market correction?
Replies: 16
Views: 2128

Re: Moving to a Lazy portfolio : Should I wait for a market correction?

Hi there, Until recently, since I did not have enough time to learn about investment, I've been relying on different financial advisors that charged me 1% per transaction and never increased my portfolio more than 2% annually. Now that I have more time, I have decided to ditch them and learn how to...
by BUBear29
Thu Apr 13, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Which account: Roth Vs. Traditional 401k
Replies: 5
Views: 471

Re: Which account: Roth Vs. Traditional 401k

If you predict future 33% tax bracket, contribute 100% to the Roth 401k now. You make a strong case for Roth now, but 25% taxes is a high hurdle. Being young and in the 25/28% tax bracket you could split the difference. $9k traditional to take advantage of the tax break, $9k Roth to take advantage ...
by BUBear29
Thu Apr 13, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Which account: Roth Vs. Traditional 401k
Replies: 5
Views: 471

Re: Which account: Roth Vs. Traditional 401k

FiveK wrote:
BUBear29 wrote:Note: are you sure about that penalty-free early distribution from a 403b?


Sorry meant 457 deferred comp plan. will edit OP
by BUBear29
Wed Apr 12, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting and buying house,
Replies: 17
Views: 1314

Re: Inheriting and buying house,

This is when mom passes which I hope is years from now. I should have mentioned we want to move to a 55+ community where the HOA fee covers lawn care, snow shoveling, trash, Etc. My figures were a bit off, maybe total of 1,200,000 including my Co-op. We wouldn't buy a vacation home or the like but ...
by BUBear29
Wed Apr 12, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Which account: Roth Vs. Traditional 401k
Replies: 5
Views: 471

Which account: Roth Vs. Traditional 401k

Hello Bogleheads: I keep going back and forth on whether to contribute to my Roth 401k or traditional 401k at work - I have read every Bogle and Reddit thread in addition to finance blogs on the subject and there really is no consensus. So I decided to ask for advice on my situation directly. My Inv...
by BUBear29
Sat Apr 01, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 5017

Re: Buying Sunglasses

Buy some polarized Maui Jim's. Most comforbale sunglasses you will ever own. I have some of the MJ Sports frames.

My dad was an optomestrist and I've tried on all the sunglasses you could ever dream of. Maui's are by far the best.
by BUBear29
Fri Mar 10, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 2501

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

Have driven the Forester in the past as well as the RX. Both good cars and agree with all mentioned previously. However, recently had a new Rav4 in Bozeman for several days and absolutely loved it. Would def go that route over the others.
by BUBear29
Thu Feb 23, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 7552

Re: Which puppy to buy: golden retriever or labrador retriever?

I grew up with labs. Never had a bad experience. They are wonderful family pets and companions. My mom currently has three labs. Just great dogs all around if you give them proper exercise and teach them obedience. One thing I know about labs, they want to please you and they want to play fetch. Tha...
by BUBear29
Thu Feb 16, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1330

Re: Visiting Downtown Denver in late March without car.

take an uber to Washington Park (Wash Park) for a nice stroll and play time if the weather is nice. It is about 4 miles from downtown close to Cherry Creek Mall.
by BUBear29
Thu Feb 16, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3626

Re: Cruise suggestions.

We did a seven day out of Barcelona in September. Fabulous. As mentioned above, try to book any excursions yourself (utilize google, lonely planet, trip advisor) as the cost of booking through the ship is high and you often get stuck in large groups. We prefered having private tours. We never had an...
by BUBear29
Thu Feb 16, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 33
Views: 2482

Re: Anniversary Trip Recommendations

We just had our 2nd anniversary. We to the Broadmoor in Colorado Springs. Absolutely loved it. Did some hiking and zip lining through the mountains. Did an amazing spa day. Then just enjoyed relaxing and reading a book by the fire with a fresh IPA.

Highly recommend
by BUBear29
Tue Feb 07, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 28784

Re: USAA 2.5% Cash Back Credit Card

chrisdds98 wrote:Available in texas now :)

Just got approved for $20k! Been waiting on this card for a long time! Can finally get rid of my Chase Sapphire Preferred and Citi Double Cash to use just the Limitless and the Amex BCP
by BUBear29
Tue Nov 08, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: BMW X5 M - Should I buy?
Replies: 46
Views: 4907

Re: BMW X5 M - Should I buy?

Hello Bogleheads, I need a new car for my family. My wife and I currently share one car. We have two children 3 and 5 years old. I am looking at a newer car and want your thoughts and opinions on the purchase. I am 34. I have been saving aggressively for last 12 years and have 675k in investable as...
by BUBear29
Thu Nov 03, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: Dress shoes
Replies: 33
Views: 4099

Re: Dress shoes

If you want American made, true craftsmanship and something that can be re-soled to last 10-20 years, up your budget and buy some Allen Edmonds. Agreed. I only buy/wear Allen Edmonds. Once worn in, they are the most comfortable shoe you'll ever wear. Great quality and so easy to just re-sole for $7...
by BUBear29
Thu Oct 27, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 4718

Re: How do you make your Martini?

Tito's (i also like Tanqueray), stirred, dry, up, twist
by BUBear29
Tue Oct 25, 2016 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

Cable is gone now. I'm trying to figure out what to do with my car. Spending all my emergency fund towards a beater makes me uneasy. I also want to start putting extra towards paying off the 27k loan with the highest interest rate first but it also sounds satisfying to pay off the ~4K loan with the...
by BUBear29
Tue Oct 25, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

She shops a lot. Clothes etc. we've fought about it a lot This has been mentioned by others, but I think it's critically important. Each person should get an allowance, and then they should be allowed to spend it how they want. Let your wife prioritize how she wants to spend 'her' money, so long as...
by BUBear29
Tue Oct 25, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

I haven't read the whole thread but here are a few comments/suggestions. -Keep up the great work at your high-paying job. -I would sell/trade in the cars for two used $8,000 Toyotas. -I would move closer to work so that your commute is less than 20 minutes. -Create a budget for you and your wife's ...
by BUBear29
Tue Oct 25, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

I read my wife a lot of the posts I've gotten from everyone and she seemed receptive on a lot of it... She balked at doing anything with her car or her cell phone. She also made $59 from the consignment shop for some of her clothes and there is still a lot more to be sold. She agreed to limit her &...
by BUBear29
Sun Oct 23, 2016 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

Current monthly set expenses: 433 my car 320 her car 400 child care for 4 month old 75 after-school at Y for youngest step daughter 250 Verizon bill for wife and stepdaughters 250 wife's credit card which she uses as her spending money each month 89 dish (I would be fine with cancelling it but not ...
by BUBear29
Sat Oct 22, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

I get the idea that you brought your debt into the marriage and she only has $27k. However, you guys are married - you are one family unit. IMO You need to be in this together. She needs to give some on the $27k in car debt (see below - maybe find her a nice car that costs alot less, that would lowe...
by BUBear29
Sat Oct 22, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

The above poster mentioned Dave Ramsey. I think you need to see his debt payment advice and follow it. The cars are too much for your situation. If you aren't upsidedown YET, you need to sell them, pay off those loans and get two beaters (like the above poster mentioned) with some of left over cash...
by BUBear29
Sat Oct 22, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

Is your car loan really 13%?? Yes. I had bad credit and no cosigner. That was the best I could do through the dealership. I've been working on my credit and its starting to improve. I looked at even refinancing it but I think I need to keep improving my credit. I understand the necessity of reliabl...
by BUBear29
Sat Oct 22, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

Your mention of your wife's spending is troubling. If you do everything right and she flushes money down the toilet, it's all for nothing. As a couple, you need to make things right. Probably cut up all the credit cards and buy things only for cash. This is going to mean that when she just wants to...
by BUBear29
Sat Oct 22, 2016 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 25718

Re: Need help. Drowning in debt and worried about the future and retirement

The above poster mentioned Dave Ramsey. I think you need to see his debt payment advice and follow it. The cars are too much for your situation. If you aren't upsidedown YET, you need to sell them, pay off those loans and get two beaters (like the above poster mentioned) with some of left over cash....
by BUBear29
Tue Sep 13, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 9756

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Just got back from Rome, Cinque Terre, and Capri. Loved Rome - you need several days there at least. I'd say three minimum Capri - Sucked. Would not/will not go back. Super touristy and really crowded. We have a private car and guide but really did not enjoy it at all. Cinque Terre - Ignoring histor...
by BUBear29
Mon Aug 22, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 4266

Re: Favorite Asian Vacation?

I've traveled through Japan, China, Singapore and Vietnam. Favorite place by far was Phú Quốc, Vietnam. A gorgeous little island about an hour flight from Saigon. We rented motorbikes and rode around the island everyday, exploring new roads, beaches and markets. Our resort was about $50 USD a night ...
by BUBear29
Mon Aug 22, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13573

Re: Best Use of Ultimate Rewards Points

I would apply for the Reserve. Keep the Preferred. Get the Reserve bonus and perks until the next one year mark then call and cancel the card. When you cancel the card, ask them to roll your credit limit to either your Preferred or Freedom (I've done this multiple times and have a $60,000 limit on ...
by BUBear29
Sun Aug 21, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13573

Re: Best Use of Ultimate Rewards Points

Wow....all those abbreviations....I feel like I am on flyertalk.com (laughing) Anywow, yes, I will downgrade Preferred to Freedom if I downgrade it at all, assuming it does not count as another card towards 5/24. That would leave me with two Freedom cards. My concern- if I don't want to renew Reser...
by BUBear29
Fri Aug 19, 2016 9:37 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 40
Views: 2901

Re: Hyatt 2 free nights credit card

We have the Sapphire and Freedom combo and lots of UR points. Used those to pay for Southwest flights to/from Cancun. Used this credit card bonus to get two free nights at Zilara. Paid cash for 3 extra nights. So 5 nights at a nice all-inclusive and rt flights cost me like $800. Pretty awesome. Real...
by BUBear29
Fri Aug 19, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 12454

Re: Favorite Restaurant Stop on Road Trips

tyrion wrote:In N Out

I wouldn't say it's the healthiest food, but it's consistently delicious.

Limited to California and a few other western states, of course.

They have 4 or 5 in Dallas and 1 in Waco.

I prefer to stop at Whataburger myself.

Or Chick Fil A
by BUBear29
Sat Aug 13, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 7639

Re: Joint Accounts - How do you use it?

Married a year and had a previous thread where someone explained how they setup their accounts and wanted to ask a few questions They have a joint account where all direct deposit goes into and bills are paid from 2 personal checking accounts (wife/husband) where $200-$300 goes into those accounts ...
by BUBear29
Sat Aug 13, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 5205

Re: Advice about a stop in Chicago

I will be going to Chicago in August to attend a conference at the Lincoln Park Zoo. Trying to keep costs down so I have reserved a room at the Days Inn on Diversey Parkway just north of Lincoln Park. I'll get a free breakfast and will be able to walk (about a mile) to the conference venue. (And I'...
by BUBear29
Sat Aug 13, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 5205

Re: Advice about a stop in Chicago

Go to Wiener Circle and ask for a chocolate shake. Thank me later Pequod's is a local favorite but I found it underwhelming. I prefer Lou Malnati's butter crust. Go to Girl and the Goat for brunch. I really enjoyed the Museum of Science and Industry which has a German U505 in the lower level. Really...
by BUBear29
Wed Jul 27, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: Side Sleeper Seeking a New Bed Pillow
Replies: 10
Views: 1334

Re: Side Sleeper Seeking a New Bed Pillow

I'm a side sleeper and for my head I use the Sleep Innovations Cool Contour Memory Foam pillow and between my legs I use the Memory Foam Classic pillow. Both are very affordable and found on Amazon. I went to a standard pillow for a while but my neck and back started hurting too much and I realized ...
by BUBear29
Sun Jul 24, 2016 11:11 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 26
Views: 3058

Re: Vacationing in the Caribbean

Hermitage Bay - Antigua

http://www.hermitagebay.com/
by BUBear29
Sat Jul 09, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 14818

Re: Costco Tires - Anyone ever frustrated?

I'm a diehard Discount Tire fan for several reasons: 1) Great friendly service 2) Great prices 3) Great product choices 4) Appointment times 5) fast service I am able to make an appointment on a saturday when I have time. The rotation and balance never takes longer than 30 minutes and its free if yo...
by BUBear29
Wed May 18, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Major - Accounting or Finance
Replies: 41
Views: 545

Re: Major - Accounting or Finance

Which is a better suggestion accounting ( CPA, Big 4, Corporate, Possible MBA ) or finance ( Possible CFA, Corporate, Possible MBA ) from national universities ranked 25 to 75 ? I have a BBA in Finance and have a great job at a large bank. If I could go back I would major in accounting and get my C...
by BUBear29
Tue May 17, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 4822

Re: Trade in BMW?

LifeIsGood wrote:My son has a 3 series BMW diesel and just found out he needs $6,000 worth of repairs - leaky turbocharger and carbon buildup in the engine.

Thats awful! What year model?
by BUBear29
Tue May 17, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 4822

Re: Trade in BMW?

i'm trying so hard to find people selling cars like these. between the rock and the hardspot. stealership wants to rob you on the trade in, private sale is a pain in the ass for a lot of people so they just take the trade in undercut. Everything is for sale depending on price! PM me if interested a...
by BUBear29
Mon May 16, 2016 11:42 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 4822

Re: Trade in BMW?

If you've taken care of it, it's the best used vehicle you can buy. 4 years 40k is nothing. Bummers don't usually break down until at least 100k. :P If you want a reliable appliance, Lexus is a good choice. If you are worried about maintenance, don't. If you are bored with it already, consider leas...
by BUBear29
Sun May 15, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 4822

Re: Trade in BMW?

Thanks for all the responses this far! I don't necessarily need a luxury car brand but this is my wife's car. I drive a 2013 Toyota 4Runner and will drive it for 10 more years. So I wanted to keep her in a nice car. If we did trade in the bimmer, we could trade in for a 1 year old Lexus IS at same v...
by BUBear29
Sat May 14, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 4822

Trade in BMW?

Hey Bogleheads! I've had my 2012 BMW X5 diesel for 4 years now and the maintenance plan runs out in November. I've had no issues with car and always have it serviced annually. I always hear horror stories about BMWs after the 'free' maintenance period about costs to maintain and replace parts. I've ...
by BUBear29
Thu May 12, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 110
Views: 13107

Re: Cities good for living abroad?

I could walk in Tokyo screaming "I've got a million dollars in my pocket" and not have a worry in the world. Tokyo, and Japan in general, is one of the safest places you can go. The worst the will happen is someone try to give you help with directions. Great. I should put Tokyo on the lis...

Go to advanced search