Search found 128 matches

by BUBear29
Fri Feb 09, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2846

Re: Not happy where we live

I’m in the same boat except my wife likes where we live. We are both from Texas and started off our married life in Denver which we loved. My job took us Dallas (where she is from) and I can’t stand it. Problem is she does not want to leave but I do not want to stay. My only hope is to bribe her tha...
by BUBear29
Mon Feb 05, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6251

Re: Change in "career", PA or Optometry?

My dad was an optometrist. He did extremely well bc he excelled in the business end of the job. His practice was constantly ranked in the top 1/2% nationwide compared to peers. Towards the end of his career, he was making 7 figures. I vote optometry if the market is good for it where you want to pra...
by BUBear29
Fri Feb 02, 2018 1:35 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer- Tips?
Replies: 18
Views: 1642

Re: First time home buyer- Tips?

When you pick the house. Test the shit out of everything - its worth the cost. Look at 6 months worth of water bills, and electricity bills. Looking for anything that might indicate water leak or high electircity usage. Get a hydrostatic pressure test on the sewer lines. Looking for under slab leaks...
by BUBear29
Fri Feb 02, 2018 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Chase, my deposits are missing!!!
Replies: 40
Views: 16094

Re: Chase, my deposits are missing!!!

Happy Chase customer here. never had an issue and enjoy the online banking aspect they now provide. rarely ever have to go in branch in my building and always get an online response by next day. Also nice that my CSP gets me in touch with a rep immediately when I call the number on the back. Conside...
by BUBear29
Sun Jan 07, 2018 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Life at a crossroad: seeking advice
Replies: 54
Views: 6833

Re: Life at a crossroad: seeking advice

If you really dislike your current position, then I'd recommend Option 2 - the R&D position. You said it was less stressful and time consuming. With the extra time from the less stressful position, pursue your artistic passion on the side. I'd say give it a few years and see how it goes then re-eva...
by BUBear29
Sat Jan 06, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...
Replies: 12
Views: 1049

Re: Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...

spammagnet wrote:
Sat Jan 06, 2018 12:34 am
Jack FFR1846 wrote:
Fri Jan 05, 2018 8:50 pm
... My emergency fund (7 years) is in US Savings bonds.
7 years' worth of emergency fund? Wow?
impressive. but maybe a little excessive imo
by BUBear29
Sat Jan 06, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...
Replies: 12
Views: 1049

Re: Need help with a single Ally Savings Account - Emergency/Contigenency/Oppurtunity/Car/Travel/Etc...

BogleMelon wrote:
Fri Jan 05, 2018 2:38 pm
I have only 1 saving account at Ally. YNAB budgeting software is doing the categorizing for me!
Ditto. I used to do what OP wants to do and realized it was way too much. YNAB has simplified my financial accounts and allowed me to be more organized. Love YNAB
by BUBear29
Wed Jan 03, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: "New to Me" Money
Replies: 22
Views: 2897

Re: "New to Me" Money

No doubt you will get a range of advice on paying off the mortgage. My question is this: if you have ample funds to pay off the house, why wouldn’t you? You are paying interest to a 3rd party. Pay the principal off and be done with it then you NEVER have to obtain debt ever again. What a feeling an...
by BUBear29
Wed Jan 03, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: "New to Me" Money
Replies: 22
Views: 2897

Re: "New to Me" Money

I am a brand new forum member to this site so please forgive me if I'm ignorant of rules/customs in my first post. I look forward to becoming an active member of this great community. In reading through the different forum indexes I struggled to determine if I was asking an personal finance or an i...
by BUBear29
Wed Jan 03, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: "New to Me" Money
Replies: 22
Views: 2897

Re: "New to Me" Money

I am a brand new forum member to this site so please forgive me if I'm ignorant of rules/customs in my first post. I look forward to becoming an active member of this great community. In reading through the different forum indexes I struggled to determine if I was asking an personal finance or an i...
by BUBear29
Tue Jan 02, 2018 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Moving After 1 year?
Replies: 9
Views: 1109

Re: Moving After 1 year?

“Turning.” Into what? Most cities are gentrifying, and “turning” into upscale places with a diverse population. Is this not happening in Dallas too? I guess I don’t understand the question fully. Is this a financial question? Turning as in going from old to renovated/new. We were on the early end, ...
by BUBear29
Tue Jan 02, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Roomba or competitor?
Replies: 22
Views: 3648

Re: Roomba or competitor?

Used to have Roomba. Now have Neato and much prefer the smarter cleaning of the Neato. Slightly louder but cleans much faster
by BUBear29
Mon Jan 01, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Wells Fargo mobile app question
Replies: 5
Views: 439

Re: Wells Fargo mobile app question

It's not configurable nor is it really necessary to configure it as in my experience it logs you out in a few minutes. Regardless, your phone is not accessible without your fingerprint, ergo even the open Wells Fargo app is still not accessible without your fingerprint. unless someone grabs your ph...
by BUBear29
Mon Jan 01, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any Recent Experience with Vietnam ATMs?
Replies: 14
Views: 933

Re: Any Recent Experience with Vietnam ATMs?

Bring the cash. I travel to Vietnam every year because my spouse is from there. ATM's are unreliable. I've lived in Vietnam for several years now and have never had a problem with an ATM. What kinds of problems have you run into? May I ask where in vietnam you live and the nature of your work which...
by BUBear29
Mon Jan 01, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Wells Fargo mobile app question
Replies: 5
Views: 439

Re: Wells Fargo mobile app question

My Chase app does this for me :)

I’d imagine you should be able to within the app under security or something like that. Surprised it isnt standard.
by BUBear29
Mon Jan 01, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Moving After 1 year?
Replies: 9
Views: 1109

Moving After 1 year?

Looking for some advice. Wife and I live in Dallas proper in an older neighborhood that is “turning”. Our home is a 1961 that is completely updated save for interior doorjambs and doors. We bought and paid cash including the improvements. Now we’ve had a new baby and are considering moving out to So...
by BUBear29
Mon Jan 01, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Any Recent Experience with Vietnam ATMs?
Replies: 14
Views: 933

Re: Any Recent Experience with Vietnam ATMs?

Hi: We're going to Vietnam in a bit. Last time there several years ago, the old VND 2,000,000 limit was still in place, which is now less than $100. I posted on Tripadvisor and got one fellow who said that he could find a few ATMs with VND 5,000,000. That's still not a lot, and he didn't remember w...
by BUBear29
Tue Nov 21, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Farm Land - What next?
Replies: 11
Views: 948

Re: Selling Farm Land - What next?

Thanks to both. We certainly would retain counsel to determine 1031 qualification and requirements due to the $$ amount. My brother is also a real estate attorney and will be advising on the transaction as well. That is half of the equation, dotting the i's and crossing the t's. The other half is f...
by BUBear29
Tue Nov 21, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Farm Land - What next?
Replies: 11
Views: 948

Re: Selling Farm Land - What next?

How are you going to avoid taxes with that sizeable gain? https://www.irs.gov/newsroom/like-kind-exchanges-under-irc-code-section-1031 Whenever you sell business or investment property and you have a gain, you generally have to pay tax on the gain at the time of sale. IRC Section 1031 provides an e...
by BUBear29
Tue Nov 21, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Farm Land - What next?
Replies: 11
Views: 948

Re: Selling Farm Land - What next?

Can you just keep the farm and lease it for income? Maybe hire a farm manager and run it as a business? I'm not sure why you would trade one income producing property for another one unless there is a significant payoff to offset the transaction costs. We’ve considered keeping for tree production b...
by BUBear29
Tue Nov 21, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Farm Land - What next?
Replies: 11
Views: 948

Selling Farm Land - What next?

Bogles- My family is contemplating selling our farm land (about 500 acres in East Texas) which we bought 17 years ago in a fire sale for about $600k. We’ve put in about $1m of imorovements over the years including farm house, warehouse, equipment, gun ranges and road clearing. Property is also heavi...
by BUBear29
Sun Nov 19, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 2021

Re: Honeymoon Suggestions

Hello, We are looking for some suggestions regarding honeymoon destinations. My fiancé and I will get married in June 2018. We will be departing for the honeymoon after our wedding (end of June 2018) for a 7 day trip. Besides Canada, neither of us have traveled outside of the USA. We are looking fo...
by BUBear29
Sat Oct 14, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 4054

Re: Buying 2017 Honda CR-V

Thanks for all the feedback. I took my wife out last night and we drove the LX, EX, EX-L. She has some difficulty with different types of seats so that was the driving factor (pun intended). I like the LX, good basic CR-V with back up camera and Bluetooth phone. I'm getting 1-1.3K off sticker on 20...
by BUBear29
Thu Aug 03, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 30
Views: 2582

Re: Barcelona Hotel Recommendations

We stayed at Marriott Barcelona Forum. Great location on the beach/Forum. Easy to get around and wonderful morning walks along the water. I'd avoid stayin near Las Ramblas but thats just me. Make sure to hop the train to Sitges (a beautiful small beach town) for a day and enjoy being amongst the loc...
by BUBear29
Fri Jul 14, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 2199

Re: Recommendations...Italy

go to the cinque terra for a few days. absolutely stunning views and hikes. And its right on th water for some nice beach time
by BUBear29
Sun Jun 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 4321

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: 4321

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: 2724

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: 2226

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: 2226

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: 29882

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: 2448

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: 606

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: 606

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: 1574

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: 606

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: 6083

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: 3175

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: 9178

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: 1656

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: 4346

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: 2940

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: 278
Views: 49045

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: 5457

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: 4617

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: 5911

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: 28085

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: 28085

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: 28085

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: 28085

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 "...