Search found 145 matches

by BUBear29
Sun Jun 17, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 12
Views: 1147

Re: Thought on replacing roof before sale?

Just went through this two weeks ago. I knew the roof needed to be replaced at some point but it was in good working condition. So I decided tonlist with the roof as is. Well we received several offers and ultimate buyers insurance would not insure roof (which is ridiculous because the inspector him...
by BUBear29
Sat Jun 16, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4428

Re: African Safari: Worth it or Hype?

Totally worth it. We went to Tanzania and based our trip out of Arusha. Some very nice little resorts you can stay at. We hired a driver, cook and security guard. We toured Arusha National Park, camped out at Lake Natron, and climbed Ol Doinyo Lengai which is an active volcano on the edge of the Ser...
by BUBear29
Tue Jun 12, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 519907

Re: What's Your Credit Card Rewards Strategy?

Want to see what you guys think: Currently have the following cards: CSP, CFU, USAA (2.5%), Amex BCP. I want to simplify down to two cards. Would you stick with CSP/CFU or go with USAA/Amex? We typically buy flights on Southwest as we fly on AA for free (family member is corporate exec). Really jus...
by BUBear29
Tue Jun 12, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 27935

Re: GEICO auto rates vs. USAA: too good to be true?

Was with USAA for auto and jewelry and decided to compare. Geico was 59% less on auto. Still is.

Only thing USAA insures for me now is my wife’s engagement ring for $500 a year.

I do use USAA for banking and credit card (2.5% cash back card). Recently switched from Chase. Will see how that goes.
by BUBear29
Wed Jun 06, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 519907

Re: What's Your Credit Card Rewards Strategy?

Want to see what you guys think: Currently have the following cards: CSP, CFU, USAA (2.5%), Amex BCP. I want to simplify down to two cards. Would you stick with CSP/CFU or go with USAA/Amex? We typically buy flights on Southwest as we fly on AA for free (family member is corporate exec). Really jus...
by BUBear29
Wed Jun 06, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 519907

Re: What's Your Credit Card Rewards Strategy?

Want to see what you guys think: Currently have the following cards: CSP, CFU, USAA (2.5%), Amex BCP. I want to simplify down to two cards. Would you stick with CSP/CFU or go with USAA/Amex? We typically buy flights on Southwest as we fly on AA for free (family member is corporate exec). Really just...
by BUBear29
Sun May 27, 2018 4:17 am
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2742

Re: Near commercial level treadmill

I was also going to recommend Woodway. Excellent running machine
by BUBear29
Fri May 11, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5563

Re: New Car Suggestions: BMW Crapping Out

Advice needed: Just heard from the shop. Current repair is $1,800 to replace AGR cooler. I had an $1,800 repair last month as well (glow plugs). Would you pony up for the repair even though thats $3,600 in 2 months or go ahead and trade in and go to Toyota Highlander/Lexus RX. Its a 2012 BMW X5 35D...
by BUBear29
Fri May 11, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5563

Re: New Car Suggestions: BMW Crapping Out

Advice needed: Just heard from the shop. Current repair is $1,800 to replace AGR cooler. I had an $1,800 repair last month as well (glow plugs). Would you pony up for the repair even though thats $3,600 in 2 months or go ahead and trade in and go to Toyota Highlander/Lexus RX. Its a 2012 BMW X5 35D ...
by BUBear29
Fri May 11, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5563

Re: New Car Suggestions: BMW Crapping Out

I see you're in Texas. Do you really need AWD and an SUV? I might consider a large sedan like an Avalon or even a Camry. Otherwise Highlanders are excellent. I also would consider a Subaru Outback. We have a home in Breckenridge, CO and travel there several times a year so would prefer AWD. Subarus...
by BUBear29
Fri May 11, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5563

Re: New Car Suggestions: BMW Crapping Out

Now that you have fixed the BMW, you could consider keeping it. CX-9 gets the best ratings of the non luxury large SUVs. The MDX would be a safe bet if you want something a little nicer. Also consider the Tahoe / Yukon. Unfortunately it is in the shop again getting evaluated. Will determine how muc...
by BUBear29
Fri May 11, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5563

Re: New Car Suggestions: BMW Crapping Out

runner3081 wrote:
Fri May 11, 2018 6:37 am
BUBear29 wrote:
Fri May 11, 2018 12:21 am
My 5 year old BMW x5 is starting to crap out (had several $1,500+ repairs in last few months).
Did you go to the dealership? If so, you were robbed blind.
I’m a boglehead. I go to an independent 3rd party mechanic! :)
by BUBear29
Fri May 11, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5563

New Car Suggestions: BMW Crapping Out

Hi Bogles, My 5 year old BMW x5 is starting to crap out (had several $1,500+ repairs in last few months). Going to trade her in and get a new/used car. Our other vehicle is a 2013 4Runner which we love. We are looking for a comfortable SUV that would be a good highway driver for my commute (30 min e...
by BUBear29
Sat Apr 07, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13650

Re: Ivy school education. Is it worth it?

In my experience, one has to determine several things: 1) what is my course of study (business, sciences, engineering, etc), 2) Do I plan to go to graduate school? 2a) if yes, geographic location is not necessarily a factor but school choice might be depending on type and level of graduate school 2b...
by BUBear29
Wed Mar 21, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 13016

Re: Can I Retire at 38?

Geez. No wonder California is broke. That state needs some serious help
by BUBear29
Wed Mar 21, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5136

Re: Your favorite Florida beach??

Seaside or Rosemary Beach. Fly into Panama City Beach
by BUBear29
Sat Feb 24, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey over simplifying Roth vs. Traditional IRA?
Replies: 103
Views: 11967

Re: Dave Ramsey over simplifying Roth vs. Traditional IRA?

Reviving this theead because I listen to Dave Ramsey to stay grounded. I have no debt and save over 25% for retirement mostly into traditional. Yesterday he told every single person to save for retirement in a roth. Even people with almost NO 401k savings at age 52. This is completely wrong based on...
by BUBear29
Fri Feb 09, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 3215

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: 7115

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: 2319

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: 17684

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: 7177

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: 1132

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: 1132

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: 3059

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: 3059

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: 3059

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: 1194

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: 3936

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: 483

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: 1028

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: 483

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: 1194

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: 1028

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: 1031

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: 1031

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: 1031

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: 1031

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: 2225

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: 36
Views: 4923

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: 2937

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: 2369

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: 5083

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: 5083

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: 2867

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: 2392

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: 2392

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: 31130

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: 2541

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: 654

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 ...