Search found 165 matches

by BUBear29
Sat Aug 13, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 6310

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: 6310

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: 1748

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: 3466

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: 29237

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: 983

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: 5911

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: 5911

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: 5911

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: 5911

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: 5911

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: 113
Views: 16709

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 list. I secon...
by BUBear29
Thu May 12, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas, Summer, Kids, California/Mexico/Texas?
Replies: 25
Views: 3235

Re: Vacation Ideas, Summer, Kids, California/Mexico/Texas?

Just thinking about some vacation possibilities for the summer: Family of 5 (kids ages 16, 15, 11 at time of travel). July/August. Maybe a week or so. Fly into destination, then rent a car/minivan, probably. Live in Missouri, have travelled around Midwest, down to Louisiana, a bit to the East Coast...
by BUBear29
Sat May 07, 2016 8:07 am
Forum: Investing - Help with Personal Investments
Topic: What is considered Inside information?
Replies: 39
Views: 3607

Re: What is considered Inside information?

DW has a playing account of $30k. She likes to buy and hold individual stocks. She is interested in the stocks where our daughter works but she is jut a worker bee. Being a long term investor (3 years plus), she would like to buy 100 shares since the company is tanking, nearing 52-week low. Would t...
by BUBear29
Fri May 06, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: What is considered Inside information?
Replies: 39
Views: 3607

Re: What is considered Inside information?

DW has a playing account of $30k. She likes to buy and hold individual stocks. She is interested in the stocks where our daughter works but she is jut a worker bee. Being a long term investor (3 years plus), she would like to buy 100 shares since the company is tanking, nearing 52-week low. Would t...
by BUBear29
Tue May 03, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance - hold or cash out?
Replies: 21
Views: 2973

Re: Whole Life Insurance - hold or cash out?

Five years ago, my financial advisor (then a Northwestern Mutual agent) convinced me to start contributing to a whole life insurance policy. Since then, my advisor has left NM to operate independently and recently helped me convert the policy over to Mass Mutual. My personal expenses have also incr...
by BUBear29
Tue May 03, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Recruiters reaching out with larger salary, how to ask for a raise at current job
Replies: 36
Views: 6713

Re: Recruiters reaching out with larger salary, how to ask for a raise at current job

I'm not looking but I'm also getting feelers from recruiters. I'm at 113k and I know I can get more based on what the market dictates. I know recruiters give you a range, but I'm confident I can get an offer or two from jobs that offer 125-130k. I like where I am and we didn't get a raise this year...
by BUBear29
Mon May 02, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113388

Re: High Earners - What's Your Profession?

simplesimon wrote:Commercial banker.
Commercial underwriter.
by BUBear29
Sun Apr 17, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Divorced dad, trying to regroup
Replies: 19
Views: 3327

Re: Divorced dad, trying to regroup

Car shopping is OK but as a divorced male don't let the little head overrule the big head. Sexy sports cars are nice but don't go over budget. Your kids comfort in your car is important. I'm trying to be frugal in this area. But not TOO frugal. I'm currently driving a 2002 Mercury Grand Marquis. I'...
by BUBear29
Fri Apr 15, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 14619

Re: University of Virginia vs University of Miami

My son is trying to decide between these two schools. I thought that some people on this board my have some interesting opinions. Some details: General: 1) My son is not sure what he wants to major in. He is an excellent student who has always been interested in many things. At this point he's thin...
by BUBear29
Wed Apr 13, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to Geico from USAA
Replies: 32
Views: 4377

Re: Switch to Geico from USAA

Thanks for all your responses!

I moved my auto, renters (travelers) and umbrella to Geico (saving me $1400 a year!!) and kept my valuable personal property insurance with USAA.
by BUBear29
Wed Apr 13, 2016 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Switch to Geico from USAA
Replies: 32
Views: 4377

Re: Switch to Geico from USAA

BlueFin wrote:If you're not already a Berkshire stock holder you could buy some then get an additional discount for being a share holder.
I asked about this and was told I had to hold A shares? Is this correct? I can't afford $212,000 shares right now...
by BUBear29
Tue Apr 12, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to Geico from USAA
Replies: 32
Views: 4377

Switch to Geico from USAA

Hello Bogleheads, I live in Texas and recently received a letter stating my auto insurance premium would rise $200 due to no faut of my own other than living in a state with high claims. I'm an underwriter so I get it. My 12 month rate on two suvs was $2900. I decided to check Geico and got a quote ...
by BUBear29
Mon Apr 11, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Migrate Spouse's HSA? To Where?
Replies: 6
Views: 944

Re: Migrate Spouse's HSA? To Where?

Hi, My wife has an old HSA account, with about $3,500, with Health Equity. But Health Equity requires the first $2,000 to be in the savings account accruing basically no interest, and cannot be invested. As such, only about $1,500 is invested. Also, I don't know if she's being charged any maintenan...
by BUBear29
Sun Apr 10, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 5438

Re: Roth vs. Traditional 401k

Age:26 You have about 40 years until the typical retirement age so there is a significant chance that something will happen like; 1) Changing jobs(It is very rare to work with one employer for 30+ years these days.) 2) Your pension plan is frozen or changed(I had this happen and it is common) 3) Yo...
by BUBear29
Fri Apr 08, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 9884

Re: Dallas suburbs or Northern Virginia for me?

I would be remiss if I didn't tell you to consider Denver. Better overall lifestyle up there with the mountains out your backdoor (and an hour away). Tons of up and coming tech jobs, great food, trendy downtown and Boulder is close by. We love Dallas but will be moving back to Denver in a few years...
by BUBear29
Fri Apr 08, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 9884

Re: Dallas suburbs or Northern Virginia for me?

The wife and I just moved to Dallas from Denver. We moved here for my job and my wife is from Dallas originally. It's a great place to live with lots of highly educated singles and a decent amount of tech jobs. However, I would be remiss if I didn't tell you to consider Denver. Better overall lifest...
by BUBear29
Fri Apr 08, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 5438

Re: Roth vs. Traditional 401k

OP, Is it possible that you may not work with this employer long enough to qualify for the pension? If yes, you may want to hedge you bet and contribute to Trad. 401K. KlangFool I am already qualified for the pension, but I should clarify it is a pension plan that builds over time. My account earns...
by BUBear29
Fri Apr 08, 2016 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 5438

Re: Roth vs. Traditional 401k

P.S. You may find later, if your 401k contributions increase to nearer $18k, that it is advantageous to put some in traditional. This would lower your taxable income and keep you in the 25% bracket if you are creeping near the 28% bracket. Great! Thanks to you and Grabiner for the great advice! I h...
by BUBear29
Fri Apr 08, 2016 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 5438

Re: Roth vs. Traditional 401k

Why not spread your tax burden and contribute to both? Is that an option for you? You are already getting a split, as the employer match in the 401(k) is always traditional. But what I recommend as a split is going all-Roth when you are in the 25% bracket, and then going all-traditional when you mo...
by BUBear29
Thu Apr 07, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 5438

Re: Roth vs. Traditional 401k

Why not spread your tax burden and contribute to both? Is that an option for you? It is certainly an option. Based on the Wiki though, we expect to be in the same bracket in retirement (won't be 15% for sure) and expect to retire in Colorado (state income tax). As such, I am leaning to continue con...
by BUBear29
Thu Apr 07, 2016 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 5438

Re: Roth vs. Traditional 401k

tludwig23 wrote:
BUBear29 wrote:Annual Contributions
$4.25M his Roth 401k (5% match = $4.25M)
$5.5M his Roth IRA
$5.5M her Roth IRA
$6.75M HSA
$0 Taxable
I think if you have over 20 million per year to contribute it doesn't much matter. Or did you mean "K"?
Sorry, I work in finance where we use M instead of K. M=$1,000
by BUBear29
Thu Apr 07, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 5438

Roth vs. Traditional 401k

Hello all, I have seen several threads on this in past years but want to see what you guys think for my situation: Emergency funds: 4 months Debt: None Tax Filing Status: Married, joint Tax Rate: 25% Federal, 0% State State of Residence: TX Age:26 Asset allocation: 90% stocks / 10% bonds Internation...
by BUBear29
Thu Apr 07, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Term Life Insurance
Replies: 4
Views: 529

Re: Buying Term Life Insurance

I've been thinking of purchasing a term life policy for myself and one for my wife. In light of that I met with my local Knights of Columbus salesman/representative and he put forth a 20 year term life policy for each of us. The estimated cost (because we're both in good health) would be about $20/...
by BUBear29
Thu Apr 07, 2016 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Make 401k contribution if no additional tax benefit?
Replies: 10
Views: 763

Re: Make 401k contribution if no additional tax benefit?

For 2015, I already contributed the maximum to my solo 401k for the employee portion. I also have the cash available to make another large contribution for the employer portion. However, making the employer contribution for 2015 will not result in any additional tax savings. My thinking is that I w...
by BUBear29
Thu Apr 07, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo HSA- transferring
Replies: 4
Views: 586

Re: Wells Fargo HSA- transferring

Has anyone been able to transfer an HSA to Well Fargo? My current HSA firm charges fees that Wells Fargo doesn't. When I look at their website, it says you need to have an eligible health insurance plan which I don't anymore (so I don't contribute anymore). I have almost $60k in the HSA though and ...
by BUBear29
Wed Apr 06, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 13479

Re: Chase Freedom Unlimited card 1.5% back + bonus

My main card now is the Bank of America cash rewards. Its base of gas:3, grocery:2, other:1 isn't that great, but when linked with Preferred Rewards there's a 75% increase in rewards. This quarter, Chase's 5% grocery is winning, but other than that it's BofA for me. Earl What about the AMEX Preferr...
by BUBear29
Wed Apr 06, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 13479

Re: Chase Freedom Unlimited card 1.5% back + bonus

No one has mentioned this crucial point. Chase Freedom and other Chase cards have many promotions which yield more than 1 point per dollar spent. So while its true that Chase ultimate reward points are frequently redeemed for approximately 2 cents each, you might be earning 2, 3, or even 5x points,...
by BUBear29
Wed Apr 06, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 13479

Re: Chase Freedom Unlimited card 1.5% back + bonus

Citi Double Cash is a better card. 2% cash back on everything. No annual fee. As far a simplicity, yes DC is better. However as far as return goes, use of freedom unlimited with the sapphire card (and freedom card) yields a higher return when transferring to certain partners. For example, I only tr...
by BUBear29
Wed Apr 06, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 13479

Re: Chase Freedom Unlimited card 1.5% back + bonus

Citi Double Cash is a better card. 2% cash back on everything. No annual fee. As far a simplicity, yes DC is better. However as far as return goes, use of freedom unlimited with the sapphire card (and freedom card) yields a higher return when transferring to certain partners. For example, I only tr...
by BUBear29
Wed Apr 06, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 13479

Re: Chase Freedom Unlimited card 1.5% back + bonus

Citi Double Cash is a better card. 2% cash back on everything. No annual fee. As far a simplicity, yes DC is better. However as far as return goes, use of freedom unlimited with the sapphire card (and freedom card) yields a higher return when transferring to certain partners. For example, I only tr...
by BUBear29
Wed Apr 06, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: How to invest HSA with Wells Fargo?
Replies: 8
Views: 1160

Re: How to invest HSA with Wells Fargo?

I have an HSA account with Wells Fargo and the account has more than $2000 now, so I am thinking about investing the money. Here are the available Wells Fargo funds https://www.wellsfargo.com/investing/hsa/funds-options/ I am wondering if anybody has any experience in investing HAS with Wells Fargo...
by BUBear29
Wed Apr 06, 2016 6:18 am
Forum: Investing - Help with Personal Investments
Topic: How to invest HSA with Wells Fargo?
Replies: 8
Views: 1160

Re: How to invest HSA with Wells Fargo?

I have an HSA account with Wells Fargo and the account has more than $2000 now, so I am thinking about investing the money. Here are the available Wells Fargo funds https://www.wellsfargo.com/investing/hsa/funds-options/ I am wondering if anybody has any experience in investing HAS with Wells Fargo...
by BUBear29
Tue Apr 05, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner advice for setting up 401k/IRA
Replies: 10
Views: 931

Re: Beginner advice for setting up 401k/IRA

Welcome! Congrats on jumping in the investing game. All the suggestions in this thread are great. Here's what I would propose for a first time / beginner investor: If company matches 401k: -Invest in 401k enough to get company match -Invest in Roth IRA to max (open at Vanguard, Schwab or low cost br...
by BUBear29
Mon Apr 04, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: In Case of Death Document
Replies: 18
Views: 3426

Re: In Case of Death Document

...so we have no will or revocable trust at this time This is the glaring omission in your plans. You need a will, regardless of how much you spell out your wishes. Gill I just created a will using NOLO. Very simple as my situtation is simple, but at least there is a list of "directions" now so my ...
by BUBear29
Sun Apr 03, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 13479

Re: Chase Freedom Unlimited card 1.5% back + bonus

Using even numbers- my expenses are 4K a month and all is able to be charged. 2% back= 80. I'll just leave it simply that $80 a month is not worth a 4K risk at 19.99%. If that 80 a month changed my financial landscape that significantly, I prob. have bigger problems. How is it a 4k risk if you pay ...
by BUBear29
Sun Apr 03, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: In Case of Death Document
Replies: 18
Views: 3426

Re: In Case of Death Document

...so we have no will or revocable trust at this time This is the glaring omission in your plans. You need a will, regardless of how much you spell out your wishes. Gill I just created a will using NOLO. Very simple as my situtation is simple, but at least there is a list of "directions" now so my ...
by BUBear29
Sun Apr 03, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: In Case of Death Document
Replies: 18
Views: 3426

Re: In Case of Death Document

Toons wrote:"What My Family Needs To Know"
8-)

http://www.state.gov/documents/organization/154946.pdf
Brilliant! Thank you sir!

I just found this Excel based document as well!
http://www.erikdewey.com/bigbook.htm
by BUBear29
Sun Apr 03, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: In Case of Death Document
Replies: 18
Views: 3426

Re: In Case of Death Document

Gill wrote:
BUBear29 wrote:...so we have no will or revocable trust at this time
This is the glaring omission in your plans. You need a will, regardless of how much you spell out your wishes.
Gill
Thanks. That is next on the "to do" list after this document which will help in creation of the will.
by BUBear29
Sun Apr 03, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: In Case of Death Document
Replies: 18
Views: 3426

In Case of Death Document

Good afternoon! I have recently been working on an In Case of Death Document (excel based) for my wife and family. I plan to incorporate this document into our Master Family Plan document which contains our family mission, goals, beliefs, budget, and savings philosophy. I am only 26 (wife is 27) wit...