Search found 496 matches

by tigermilk
Mon Feb 05, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260594

Re: U.S. stocks in freefall

This could pretty easily have tripped some people's rebalancing bands, FWIW. I went through some preliminary numbers, and my AA barely moved. I'm 88/12 in my primary, almost 2 comma balance, I expect a change to 87.5/12.5 Tuesday morning. Sucks to have lost over $60k in the last week, but I'm still...
by tigermilk
Tue Jan 16, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Advice On A Tour From Port Canaveral To Kennedy Space Center
Replies: 14
Views: 742

Re: Advice On A Tour From Port Canaveral To Kennedy Space Center

I'm a NASA employee who has been to the KSC visitor's center once. I work in Houston, where we have a pretty good visitor's center. All I can say is the KSC one is fantastic, and I wish we had it here. For add-ons, consider the "lunch with an astronaut". Having worked with astronauts for many years,...
by tigermilk
Mon Jan 08, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone received their IRS PIN?
Replies: 9
Views: 714

Re: Anyone received their IRS PIN?

...received a PIN for 2016 taxes. Unfortunately that didn't help as the system was gamed and I again had a fraudulent return in my name. So the PIN’s don’t actually prevent fraudulent returns?!? When I called them last year after the second fraudulent return in a row, they said there was a way to e...
by tigermilk
Mon Jan 08, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone received their IRS PIN?
Replies: 9
Views: 714

Anyone received their IRS PIN?

Was the victim of tax identify theft in 2015 and received a PIN for 2016 taxes. Unfortunately that didn't help as the system was gamed and I again had a fraudulent return in my name. So I fully expect to get a PIN for 2017 taxes yet nothing in the mail. I called the IRS today and they said they are ...
by tigermilk
Thu Jan 04, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: 31..any reason not to allocate 100% stocks in 403b?
Replies: 20
Views: 1419

Re: 31..any reason not to allocate 100% stocks in 403b?

Depends on your risk posture, current balances, and current contributions. For example, let's say you have $30k in your accounts due to starting late, and are on a path to contribute the max to your 403b annually. Why hold bonds at all? The buying power of your regular contributions would be greater...
by tigermilk
Fri Dec 29, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9422

Re: I Want to Buy a Horrible, Expensive Car

I thought you said expensive? Discovery Sport looksmawfully run of the mill price wise for SUVs. I came into this thread expecting a Bentley Bentayga.
by tigermilk
Fri Dec 29, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Spain Trip: Barcelona & Girona + Cycling
Replies: 11
Views: 677

Re: Spain Trip: Barcelona & Girona + Cycling

Make sure you have rentals squared away before you go. Even better is bringing your own bike. Never been to Spain, but Corona should be great as it's a cycling hot spot for professional cyclists. Many Americans riding on Pro Tour teams have their European base there. Also, maybe you can catch a port...
by tigermilk
Wed Dec 27, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Buying a car advice - what's new since 1994?
Replies: 43
Views: 3207

Re: Buying a car advice - what's new since 1994?

Sounds like you should avoid new cars and simply get a fully restored classic vehicle. You can actually get really nice condition, low mileage 80s and 90s American cars on the cheap at the big auctions, Your list of desires just doesn't seem compatible with modern cars. The only suggestion I can thi...
by tigermilk
Mon Dec 25, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Organizing Music Collections (Genre, etc.)
Replies: 15
Views: 978

Re: Organizing Music Collections (Genre, etc.)

Subgenres can get too detailed,and if I categorize I take an approach between novice and subgenres. For example, for your electronica collection, dividing it into more mainstream genres - trance, drum and bass, synth). If you have to ask yourself what a subgenres is, it is time to roll it into a hig...
by tigermilk
Mon Dec 25, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Help invest for a time period of 5-10 years (not for retirement)
Replies: 27
Views: 1851

Re: Help invest for a time period of 5-10 years (not for retirement)

I am using VSMGX for such a timeframe. I am making regular contributions to that fund for a future new or second residence.
by tigermilk
Sun Dec 24, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Where to stay - Venice & Rome
Replies: 21
Views: 1273

Re: Where to stay - Venice & Rome

In Venice, we stayed at Hotel Abazzia. The hotel is a former monastery and it still has some of the features from its past life. While the rooms were somewhat small compared to home (but much bigger than what we get in Japan) it was clean, quaint, and with excellent included breakfast. For a locatio...
by tigermilk
Fri Dec 22, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: TSP - change from traditional to Roth for final 8-9 years?
Replies: 3
Views: 517

TSP - change from traditional to Roth for final 8-9 years?

Over the last couple of days I've been thinking of changing my TSP contributions from traditional to Roth TSP. Currently 48 years and 7 months old, with a MRA of 56 years, 10 months. Some vitals: Current: max out traditional TSP 25% federal tax bracket (married filing jointly) no state taxes 2018 to...
by tigermilk
Thu Dec 21, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4452

Re: Lunch Ideas

I eat a pb&j sandwich almost every day -- I flippin' love pb&j sandwiches.... (The husband eats hot dogs for lunch). My standard lunch for nearly my whole career. I only go out to lunch a couple of times of year unless traveling, so those days in the office it has been peanut butter and jelly with ...
by tigermilk
Sun Dec 17, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Which bike?? Please help.
Replies: 13
Views: 1286

Re: Which bike?? Please help.

When you say tracks, I think velodrome. I assume that is not what you meant. If so, no track would let you ride those bikes on them. For that, you need a track bike (single speed fixed gear with drop bars).
by tigermilk
Sun Dec 17, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4452

Re: Lunch Ideas

I eat a pb&j sandwich almost every day -- I flippin' love pb&j sandwiches.... (The husband eats hot dogs for lunch). My standard lunch for nearly my whole career. I only go out to lunch a couple of times of year unless traveling, so those days in the office it has been peanut butter and jelly with ...
by tigermilk
Sat Dec 16, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 27
Views: 2265

Re: Single Purpose Device- Waffle Iron

Belgian waffles, and I don't mean the stuff from IHOP. A true Belgian waffle with yeast and pearled sugar.
by tigermilk
Sat Dec 16, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 107
Views: 8560

Re: Is anyone putting money aside into Gold?

Only if my wife wants some on her finger, around her wrist, around her neck, or in her ears.
by tigermilk
Sat Dec 16, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5305

Re: When to move into bonds

For myself, I started late last year, and as of today I can retire early in just over 8 years. I am currently at 90/10 and plan a glide to 80/20 at retirement. I also wanted to start last year as a hedge - I can't see this bull market lasting the next 8 years. Figured I would bank/protect several ye...
by tigermilk
Fri Dec 15, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 56
Views: 3865

Re: 28 Years Old: In the current market, what % into bonds?

Go with zero for the next 10 to 15 years. Once yoiu reach your 40s you can reevaluate getting bonds.
by tigermilk
Thu Dec 14, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: 3 accounts, 30 plus funds, 330,000 value, 2 advisers
Replies: 15
Views: 1466

Re: 3 accounts, 30 plus funds, 330,000 value, 2 advisers

My MIL had 2 accounts with WF, and IRA and brokerage. I helped her roll the IRA over to Vanguard and we left the brokerage with WF but made sure it was converted to a non-WF managed account. The only freshening charged on that one are the individual ER fees for a fund, no extra management fees from ...
by tigermilk
Mon Dec 11, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1800

Re: Japan in summer

Sounds like a terrible idea because of bad hot/humid weather. We're freezing this idea for now. Will warm it up later. Thanks for your advice ! Not a terrible idea, but more knowing what you are getting into. We definitely plan to be there for the 2020 Summer Olympics. That said, try to swing it fo...
by tigermilk
Mon Dec 11, 2017 2:56 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1800

Re: Japan in summer

When in the summer? Japan can be brutal in the summer m months due to high humidity. I live in the Houston area, so I know humidity. Japan, however, can be a real drag because everything feels wet, even the train from Narita to Tokyo. But summer also means long daylight hours, though since Japan doe...
by tigermilk
Mon Dec 04, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 5953

Re: Mortgage is About To Be Paid - I'm Scared!

When I got debt free it was merely a sense of freedom. The realization that barring not paying my property taxes, no one would pry my house away from me. Cash flow is great, and tings like appliances going belly up are inconveniences rather than a financial crisis. You should expect to enjoy, not fe...
by tigermilk
Mon Dec 04, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend money
Replies: 12
Views: 1067

Re: Learning how to spend money

At some point you figure out (you maybe have already) that it is OK to be what you are now. Spending money for spending sake gives me no value or additional happiness. It often goes the opposite way. If you are the saver and your wife is the spender, then that is fine. I try to keep our tech somewh...
by tigermilk
Mon Dec 04, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend money
Replies: 12
Views: 1067

Learning how to spend money

In the last few years I've hit some milestones, including 2 comma for net worth (house is paid off) and this summer hitting 2 comma for investments (401k, Roths, HSA, cash, brokerage). I always joke with my DW that I'm a millionaire, and she's still penniless (haven't hit $2M yet, so technically we ...
by tigermilk
Thu Nov 30, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5665

Re: How Do You Stay Current With Popular Music?

Current popular music is junk. Get off my lawn. :D If I want to listen to modern music (not necessarily popular) I find that there are a handful of real radio stations such as KCRW ( http://www.kcrw.com/music/shows/eclectic24 ) which do a much better job playing things i like, compared with Pandora...
by tigermilk
Wed Nov 29, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2486

Re: Considering Building Gaming PC - Good Builds/Price Points?

What you would need to get is a function of the games you want to play. For myself, my favorite genre is racing. On my previous setup (i5-4670, 32gb RAM, GTX 770), I could play all the games I wanted with exceptional performance, even on my 3440x1440 monitor. But over the summer I picked up an Oculu...
by tigermilk
Sun Nov 26, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Furniture
Replies: 22
Views: 2034

Re: Furniture

We have some genuine leather pieces (I.e., not bonded leather) that have held up very well for 15-20 years. Likewise, much of our wood furniture is older that was purchased secondhand. These were not quite antique pieces (100+ years) at the time, but are approaching that age now. They've gotten beat...
by tigermilk
Fri Nov 24, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3191

Re: Bicycle wheels - what's a reasonable budget

FYI - hear Powertap stuff will be 25% from Black Friday to Cyber Monday - https://www.powertap.com/catalog/holiday-sale The link above appears to show normal prices currently. 25% off those is a great deal. As mentioned in a previous post, I've got the PT P1 pedals and a number of their hubs throug...
by tigermilk
Thu Nov 23, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3191

Re: Bicycle wheels - what's a reasonable budget

FYI - hear Powertap stuff will be 25% from Black Friday to Cyber Monday - https://www.powertap.com/catalog/holiday-sale The link above appears to show normal prices currently. 25% off those is a great deal. As mentioned in a previous post, I've got the PT P1 pedals and a number of their hubs through...
by tigermilk
Sat Nov 18, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2017
Replies: 15
Views: 2056

Re: Best albums of 2017

TylerS7 wrote:
Tue Nov 14, 2017 5:08 pm
The War on Drugs - A Deeper Understanding
The National- Sleep Well Beast
Picked these 2 up on vinyl. Great stuff.
by tigermilk
Fri Nov 10, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2792

Re: Audiophile Headphones

I've got an old pair of Senns HD-580s that sound nice and warm. The only complaint I have with them is that they are open ear. While that's great for the sound quality, you get all the ambient noise come though. Nothing like hearing my dogs and cats while trying to listen to music. I honestly don't ...
by tigermilk
Fri Nov 10, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3191

Re: Bicycle wheels - what's a reasonable budget

If you are dead set on getting new wheels, actually in line with my previous post get yourself a wheel with a Powertap hub. Training with power doesn't make you inherently faster, but if used properly you will have more defined workouts, which in turn can get you faster. This is a good deal for a re...
by tigermilk
Thu Nov 09, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 5445

Re: Coffee makers: Moka, French Press, etc.

I prefer cold brew and just purchased this. Excellent quality, so far I like it. https://www.amazon.com/KitchenAid-KCM4212SX-Coffee-Brushed-Stainless/dp/B06XNVZDC7 We have a constant stream of cold brewed, but our method is cheap and good. Grind beans, fill a bottle/flask/jar with filtered water an...
by tigermilk
Thu Nov 09, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3191

Re: Bicycle wheels - what's a reasonable budget

Wheels aren't your problem. On a flat road at constant speed there are two sources slowing you down - aerodynamic drag and rolling resistance. Your body is the biggest drag component. Aerodynamic wheels (deep section) will certainly help some, but honestly mostly if there is a crosswind, and particu...
by tigermilk
Thu Nov 09, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 5445

Re: Coffee makers: Moka, French Press, etc.

I prefer cold brew and just purchased this. Excellent quality, so far I like it. https://www.amazon.com/KitchenAid-KCM4212SX-Coffee-Brushed-Stainless/dp/B06XNVZDC7 We have a constant stream of cold brewed, but our method is cheap and good. Grind beans, fill a bottle/flask/jar with filtered water an...
by tigermilk
Sun Nov 05, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 21
Views: 1545

Re: Which heart rate monitor is the most accurate?

jwblue wrote:
Sun Nov 05, 2017 3:46 pm
The only thing important is the heart rate monitor.

I do not care how accurate any of the other functions are.

The Fitbit Alta HR has good reviews.
Fingers on the wrist and a clock.
by tigermilk
Thu Nov 02, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: FERS eligible. Do I have enough to retire now or wait till 62? Would appreciate a review of my finances.
Replies: 18
Views: 2270

Re: FERS eligible. Do I have enough to retire now or wait till 62? Would appreciate a review of my finances.

Thank you for the input. It is re-assuring to hear that I am doing ok. I am eligible for an immediate annuity, with 32 years of service. I am hung up on the idea of leaving money on the table, by leaving before 62. Since I’m so close, why not work 2 more years, and get the 1.1% multiplier, instead ...
by tigermilk
Wed Nov 01, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: FERS eligible. Do I have enough to retire now or wait till 62? Would appreciate a review of my finances.
Replies: 18
Views: 2270

Re: FERS eligible. Do I have enough to retire now or wait till 62? Would appreciate a review of my finances.

You can retire now. You look to be financially in the same position I will likely be in in 9 years at age 57. My projection has me retiring comfortably, though there's the risk of the SS supplement not being there for me. You can almost fund your expenses on the SWR rule of 4%, and the pension is si...
by tigermilk
Sat Oct 28, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3814

Re: European Tours

IMO..too many try to cram too many countries on a single vacation. What's the point?..to check them off a list? These countries have so much to see beyond the touristy sites and cities. Take your time and explore, read the trip adviser forum on each country or region for great ideas. I personally w...
by tigermilk
Sat Oct 28, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check - Would like to pay off mortgage early
Replies: 35
Views: 3246

Re: Sanity Check - Would like to pay off mortgage early

Paying it off may or may not make sense financially for long term investing, but it makes tremendous sense psychologically. But even with some negative aspects of losing out short term on investing when paying aggressively on the house, at the tail end, once you are free from the mortgage you will n...
by tigermilk
Sat Oct 28, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2391

Re: Vacation ideas in Jan/Feb?

Florida and 6 year old - isn't the answer obvious? Somewhere within driving distance to Orlando. I mean, what 6 year old wouldn't want to go to Disneyworld?
by tigermilk
Sat Oct 21, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 7247

Re: Why do I need bonds? (I'm 30)

You don't. I assume you are investing in your retirement each paycheck. The buying power of your future income is greater than bonds. I am investing in my retirement through 401k every pay check. Thank you for mentioning potential earnings as a reason to not need bonds. I use the same reasoning to ...
by tigermilk
Sat Oct 21, 2017 5:37 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 7247

Re: Why do I need bonds? (I'm 30)

You don't.

I assume you are investing in your retirement each paycheck. The buying power of your future income is greater than bonds.
by tigermilk
Thu Oct 19, 2017 5:13 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 6253

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Do you not have a no fee option? I've got HSA Bank and TDA, and if my HSA Bank balance is $5k or higher, there are no monthly fees. I don't think it's worth saving $5.50 a month to park $5,000 instead of investing it, right? If you treat the cash as a bond instrument why not? My TDA account is 100%...
by tigermilk
Thu Oct 19, 2017 4:22 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 6253

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Do you not have a no fee option? I've got HSA Bank and TDA, and if my HSA Bank balance is $5k or higher, there are no monthly fees.
by tigermilk
Wed Oct 18, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1657

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

I don't have time to do a detailed post. But you should REALLY consider ultra wide, specifically 3440x1440. I could write paragraphs trying to convince you, but I won't. Ultra wide is great if you're going to be using the pc to do work or just like having lots of real estate. It eliminates the need...
by tigermilk
Tue Oct 17, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute 100% of paycheck to 401k?
Replies: 13
Views: 2837

Re: Should I contribute 100% of paycheck to 401k?

Two things - There's a limit on your contribution. If you get a company match, you more than likely will not get that match with a front loading strategy. For example, I get a 5% match, based on my biweekly salary. If I want to fill up my annual $18k contribution in just a couple of months I'll be l...
by tigermilk
Fri Oct 13, 2017 4:16 am
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2103

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

If neighboring countries are game, Amsterdam is awesome. Great museums of all sorts. Things like the Van High Museum and Rijksmuzeum are no-brainers, but we also really enjoyed the resistance museum, maritime museum, Anne Frank house, Troppenmuseum.