Search found 138 matches

by BUBear29
Thu Feb 16, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 4513

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: 3023

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: 50545

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: 5782

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: 4761

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: 6203

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: 28787

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: 28787

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: 28787

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: 28787

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: 28787

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: 28787

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: 28787

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: 28787

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: 28787

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: 28787

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: 124
Views: 12601

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: 4658

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: 14635

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: 14635

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: 3394

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: 14651

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: 8900

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: 5985

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: 5985

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: 1639

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: 3345

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: 24984

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: 794

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: 5602

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: 5602

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: 5602

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: 5602

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: 5602

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: 15814

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: 3163

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: 3359

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: 3359

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: 2860

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: 6574

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: 613
Views: 98438

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: 3251

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: 14254

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: 3900

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: 3900

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: 3900

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: 893

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: 5236

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: 9340

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: 9340

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...