Search found 575 matches

by tigermilk
Tue Nov 12, 2019 8:50 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3304

Re: What’s in your TSP?

stuff deleted... Congrats on your success over the years and thank you for sharing your story. Were you 100% equities in your TSP for so long because you held bonds in other accounts or because you had a pension? I would not say I was 100% equity for so long due to pension, but rather the buying po...
by tigermilk
Mon Nov 11, 2019 7:44 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3304

Re: What’s in your TSP?

I am about 6.5 years out from my MRA, and don't know if I will punch out then or wait a few years. Up until 2016, I was all C, S, and I in varying percentages (mostly C). Today I sit at around 35% in each of C and S, 15% in I, and the remainder split between G and F. All new paycheck contributions a...
by tigermilk
Wed Oct 16, 2019 5:42 am
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 37
Views: 3945

Re: Should I bail on AT&T and Directv?

We dropped diverse tv a few months back for YouTube TV. Haven't missed a thing. And while I lost one of my favorite channels (NHK, but I can stream that) we gained a few channels we wanted (BBC, Olympic Channel). I wish the interfacewas a bit better, but for the price it is much better than what I w...
by tigermilk
Sat Sep 28, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: "Different" things to do in Tokyo
Replies: 20
Views: 1921

Re: "Different" things to do in Tokyo

Go to the NHK website and watch some episodes of Tokyo Eye. Plenty of suggestions there, including cooking classes. While not necessarily off the beaten path, the last time we were there we met up with a Japanese friend of ours for a nice lunch, a trip to a museum for an impressionism exhibit that w...
by tigermilk
Thu Aug 29, 2019 5:49 am
Forum: Investing - Theory, News & General
Topic: Reasonable and Rational Information on Precious Metals
Replies: 30
Views: 1618

Re: Reasonable and Rational Information on Precious Metals

Read an article in The Times of London this morning about high quality gold kilobars popping up in bank vaults (Chase was one). Fakes are rare, but they are in the wild, and the story stated its a nice cottage industry for warlords and drug cartels.

Buyers of gold beware!
by tigermilk
Tue Aug 20, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Moving to Houston
Replies: 39
Views: 3859

Re: Moving to Houston

Will the commute time be around 50 minutes to pear land from montrose/fourth ward,as google map says, during rush hour? My plan B is to buy a home in the Pearland/Sugarland area, if I cannot find suitable apartments near my office. Thank you, Depends. There is a lot of construction currently as new...
by tigermilk
Sat Aug 10, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11109

Re: Ponder this, BH's... is Ben & Jerry's worth it?

You don't want to know what I spend on ice cream! One of our favorites is Jeni's. At $9 to $10 a pint, it is pricey, but it is delicious. Unique flavors, creamy, premium ice cream. Why not indulge?
by tigermilk
Sat Aug 10, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2739

Re: Budget Rental Cars Left Me Stranded--Prevention ?

I can't help, but I know it's a rare situation. Only once in my life has a car never been available. It was on a trip to France for work. I arrive at CDG and proceed to the rental counter. I was behind 3 or so people, but despite a short line, the inefficient process at this particular outfit meant ...
by tigermilk
Thu Jul 25, 2019 8:52 pm
Forum: Personal Investments
Topic: Which do I max first, TSP, ROTHs or HSA?
Replies: 14
Views: 1251

Re: Which do I max first, TSP, ROTHs or HSA?

After the employer match, I'd max the HSA first for the reasons you listed. Can my wife and I each have an HSA? I get health insurance through work and she gets hers through me. You can do a family or self plus one for the same yearly $7k limit. And the $7k limit includes all contributions. I assum...
by tigermilk
Thu Jul 25, 2019 3:16 am
Forum: Personal Consumer Issues
Topic: Visit Taipei, Taiwan or tour smaller towns in Japan?
Replies: 33
Views: 2631

Re: Visit Taipei, Taiwan or tour smaller towns in Japan?

I don't think I personally would ever tire of visiting Tokyo (or Japan, for that matter). +1. Tokyo and London are my 2 favorite cities. I have been to Tokyo at least 20 times and it never gets old. If I had a few free days and wanted to see some smaller towns that are somewhat convenient to get to...
by tigermilk
Mon Jul 22, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2363

Re: Your pick for a lawn edger

A couple of months ago I picked up a Stihl FC 56. At $230 It is pricey compared to big box offerings, but after years of string trimmers to do edging, I admit this thing is much better. Much quicker than edging withthestring trimmer as well. Since my wife said she'd get a lawn service if the edging ...
by tigermilk
Fri Jul 12, 2019 6:01 am
Forum: Personal Investments
Topic: Federal employee financial planning question
Replies: 33
Views: 3576

Re: Federal employee financial planning question

That's interesting re: the virtual locality pay. I had no idea how that worked. When I say move to a high cost of living area I meant as part of a job transfer. I wasn't clear about that. I knew several people who moved to San Francisco from "rest of the US" for just this reason. A few left their s...
by tigermilk
Sun Jul 07, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 4571

Re: Is Grass milk worth it?

jabberwockOG wrote:
Sun Jul 07, 2019 3:36 pm
Not sure why adults are interested in drinking milk. I have no issue with some amount of cheese, yogurt, etc products in our diet, but adults significant drinking quantities of plain milk strikes me as weird/slightly gross.
Because water or juice in my cereal just doesn't taste good!
by tigermilk
Sun Jul 07, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 4571

Re: Is Grass milk worth it?

You can taste the difference. For that reason alone, we get it. It is worth the $12/gallon price to us.
by tigermilk
Wed Jun 19, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire in 1 year at 53
Replies: 54
Views: 10045

Re: Can I retire in 1 year at 53

With a 3% withdrawal rate you should be fine, financially. I would make sure all your assumptions and numbers are accurate. As to whether you can adjust psychologically to being retired, you ll probably be fine. I ve seen some, mostly relatively high achievers, who got bored with retirement and som...
by tigermilk
Wed Jun 19, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire in 1 year at 53
Replies: 54
Views: 10045

Re: Can I retire in 1 year at 53

With a 3% withdrawal rate you should be fine, financially. I would make sure all your assumptions and numbers are accurate. As to whether you can adjust psychologically to being retired, you ll probably be fine. I ve seen some, mostly relatively high achievers, who got bored with retirement and som...
by tigermilk
Sat May 25, 2019 6:02 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 58
Views: 4705

Re: Any audiophiles on this forum?

Stax headphones and amps. Keep that sound close by :happy

Do also have some mid fi gear like older Rega turntable, Marantz single disc player, Cambridge Audio integrated... Currently looking at maybe getting some Magnepans, or maybe just a higher end pair of Stax Sr 009s.
by tigermilk
Sat May 11, 2019 9:52 am
Forum: Personal Investments
Topic: Need Advice for Low Cost Investment in TD Ameritrade for HSA Money
Replies: 15
Views: 1226

Re: Need Advice for Low Cost Investment in TD Ameritrade for HSA Money

I have my GEHA HDHP holdings in SPTS, SPLG, and SPYG at TDA. The last 2 are my long term holdings, and the first is my "going to use this year" holding. It actually has the highest ER at .06%. All are commission free ETFs,
by tigermilk
Thu May 02, 2019 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Car shopping advice (sanity check)
Replies: 56
Views: 5570

Re: Car shopping advice (sanity check)

https://youtu.be/JBpuneybS1c

Go to the 5:50 mark. The guy isn't some hack. He was a mechanic here in Houston for decades, had a weekly call in show on AM for a long ti e as well, and has a huge following on YouTube. Btw, he has to be a boglehead. Find his video on being a millionaire..,
by tigermilk
Tue Apr 30, 2019 6:12 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30302

Re: 20 countries where 200K in retirement savings will last you decades

I'm pretty sure the plans are all off, mainly because my wife couldn't stand not having 100% of her TV shows, from Korean dramas shown on Amazon Prime to a specific person who has to do her monthly hair dying work. So we met in the middle and will probably end up in Tokyo, which is surprisingly aff...
by tigermilk
Mon Apr 29, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fed interviewing for a private sec job - value of FERS pension?
Replies: 37
Views: 2644

Re: Fed interviewing for a private sec job - value of FERS pension?

Based on your numbers, 5% reduction for each year under 62 won't apply. Looks like you will meet the criteria for an unreduced pension at your MRA which is 57. So how does retiring at 57 with 2 unreduced pensions sound?
by tigermilk
Tue Apr 23, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3848

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Believe it or not, NASA has studied this and verified is true! Experienced mechanics can achieve more consistent bolt tension by feel than clicker-type torque wrenches. How does that work in practice? You just hired a new mechanic - how do you calibrate him so his 100 ft lbs is the same as the next...
by tigermilk
Tue Apr 23, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3848

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

The amount of load a torque will generate can be all over the place, The difference between completely dry to lubricated everywhere can mean loads different by twice your expectations. agree, coefficient of friction matters. Knowing when a torque wrench is a valuable tool is important, but more imp...
by tigermilk
Tue Apr 23, 2019 3:43 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3848

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

He screws it back in (and doesnt even torque to spec even though I read over and over that you MUST torque to spec). Someone who wrenches regularly will have a good feel for proper tightening torque and can skip a torque wrench. I'll only use a torque wrench for fasteners that need to be incredibly...
by tigermilk
Mon Apr 22, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 12548

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

For me - can't get a full, unreduced pension until I reach my minimum retirement age, so I have 7 years to go.
by tigermilk
Mon Apr 22, 2019 6:02 am
Forum: Personal Investments
Topic: 100% stocks, looking to lock-in gains and maybe introduce bonds
Replies: 9
Views: 1597

Re: 100% stocks, looking to lock-in gains and maybe introduce bonds

It is your personal decision. That said, you sound a bit like me. I was 100% equities in the TSP until almost 3 years ago when I was 47. I went to 90/10 with the 10 being composed of one third F and two thirds G. Each year I have been increasing the bond portion of the AA by a point. My plan is to r...
by tigermilk
Wed Apr 17, 2019 2:56 am
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1528

Re: Japan Travel Suggestions

Forgot to mention - go to the website for NHK television and their YouTube channel. You can watch some of their TV programs (theft are in English). They have several travel shows, and there is a show specific to Tokyo- Tokyo Eye 2020. I watch it every week to get ideas for our next trips.
by tigermilk
Wed Apr 17, 2019 2:48 am
Forum: Personal Consumer Issues
Topic: Japan Travel Suggestions
Replies: 23
Views: 1528

Re: Japan Travel Suggestions

Get the JR Pass so you can travel out from either city. From Kyoto, you can take the local train to Nara. I have been 3times, most recently last year. I didn't find the deer any more aggressive compared to previous trips. The tourists? Sure, but not the deer. But I wasthere at the height of cherry b...
by tigermilk
Fri Apr 12, 2019 3:46 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1012
Views: 136516

Re: Post your Financial Milestone Announcements Here

Hit the 2 comma club 2 years ago for all investments, but come tomorrow morning I will have joined the TSP millionaires club. Missed it by about 1% last fall just before the correction.
by tigermilk
Fri Apr 12, 2019 12:02 pm
Forum: Personal Investments
Topic: Roth TSP vs. Regular TSP?
Replies: 14
Views: 1609

Re: Roth TSP vs. Regular TSP?

I would not. I have been weighing this myself. My situation: turn 50 next month, and if the market continues to perform as well as it has today, by tomorrow morning I will be a TSP millionaire. Wife/I are in the 22% bracket and also have nearly $200k in a Roth IRA and brokerage account. I can retire...
by tigermilk
Fri Mar 29, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Want to see a concert! Ideas?
Replies: 50
Views: 2953

Re: Want to see a concert! Ideas?

My wife and I are "old" :) I think I would like to see one of the large arena concerts (Capital One arena - where they have NBA Basketball and NHL Hockey) - but want an idea of what they might be like. The two I see schedule for 2019 are Jennifer Lopez and later, Carrie Underwood. Feedback? The aco...
by tigermilk
Sun Mar 17, 2019 10:58 am
Forum: Personal Investments
Topic: Advice on meeting my financial goal
Replies: 15
Views: 1000

Re: Advice on meeting my financial goal

First thing I would do is put away more the $56k/year. You should easily put more away with $300k income and no debt. I don't see you hitting 1.5M with the 244k you have now and only $56k contributions each year. Your MM and condo value will get you there, but I wouldn't sell it as currently it is r...
by tigermilk
Mon Feb 25, 2019 9:46 pm
Forum: Personal Investments
Topic: Need help grading my "Fee Only" provider
Replies: 59
Views: 4901

Re: Need help grading my "Fee Only" provider

Those lists make my head spin. My in laws had a list of funds, but not thst bad. They got taken for a ride by their advisor.
by tigermilk
Mon Feb 25, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9233

Re: How often do you and your friends change engine oil?

Once a year for my cars, which is 3000 or so on one and 6000 on the other. Did both last week. Quicker to do it myself than to waste time at a shop.
by tigermilk
Tue Feb 19, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 8335

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

Anyone else on this thread drive in Houston regularly? The roads are terrible. Come to think of it, maybe a Lexus is the car to drive in Houston to smooth out the bumps and dips. In an Audi you'll feel every one. Roads in Houston do a couple of things 1) make you really smart on alternative routes ...
by tigermilk
Sun Feb 17, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 8335

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

You have it, but I would ask if the A6 is the right car. After owning a BMW in my adult ooife and our family having a VW when I was a kid, I have sworn off German cars. The overall product quality just hasn't been there.
by tigermilk
Fri Feb 15, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Which sports car ride in Nice, France?
Replies: 10
Views: 948

Re: Which sports car ride in Nice, France?

If it were me, Ferrari - not wild about the 430 looks (rather boring IMO), and even less so that it would be a Spyder. Plus, I already have an 8 cylinder Ferrari, albeit a 40 year old 308. Now if it were a 45i, 488, FXX, 246, 250 TR, ... Lambo - I would take that V10 sound all day. The only thing th...
by tigermilk
Thu Jan 17, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: What to do this weekend in Tokyo?
Replies: 19
Views: 1578

Re: What to do this weekend in Tokyo?

National Museum in Ueno Edo Museum - much is in Japanese, but it is a fine museum Asakusa, eating as much street food as possible You do know the January sump tournament is going on right now, right? Take the train down to Kamakura and see the big Buddha Mini Shrine, Omotesando, and Harajuku If the ...
by tigermilk
Sun Jan 06, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone affected by the government shutdown?
Replies: 35
Views: 3117

Re: Anyone affected by the government shutdown?

Sorry to hear your plight. I am a fed but fortunately I have 4 to 6 months saved in the checking account war chest. In the worst case scenario, I can dip into my HSA for past expenses that were previously cash flowed. All told, we can last all of 2019. I know I am an exception among most, and I do f...
by tigermilk
Fri Jan 04, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Dual coffee/espresso makers
Replies: 17
Views: 1553

Re: Dual coffee/espresso makers

Get an espresso machine, and if someone wants "coffee" make an Americano manually.
by tigermilk
Fri Dec 28, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 3210

Re: Dental implants - fair price for teeth 23 to 26?

I know OP said it would be a cash transaction, but OP also said the teeth were lost due to an accident. I wonder if OP has medical insurance which would pay for this restorative dental work which will be done after an accident. Medical won't pay. They'd pay for things like dentures and such due to ...
by tigermilk
Thu Dec 27, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 3210

Dental implants - fair price for teeth 23 to 26?

Was in an accident which resulted in 4 teeth ejected. Live in a moderate cost of living area and wondering if the price quoted is expected or excessive. 2 implants (inserts) on teeth 23 and 26, abutments for teeth 23 and 26, porcelain crowns for 23/26 and pontics for 24/25. This would be a cash tran...
by tigermilk
Mon Dec 10, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 39
Views: 3324

Re: PC Build Suggestions

Also, have you checked bottlenecker.com? The GPU may be a bit underpowered relative to the rest of the system and may warrant a 1070 or better.
by tigermilk
Mon Dec 10, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 39
Views: 3324

Re: PC Build Suggestions

Have you checked microcenter? I built a new system a couple of months ago and got afewthings from there and others from newegg. Newegg is great for no sales tax, and microcenter seems to have the cheapest cup prices. While nearly a year older, it still may be a better option to get a i7 8700k and th...
by tigermilk
Wed Dec 05, 2018 6:33 pm
Forum: Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 53
Views: 7529

Re: In a Bear Market, What Are Some Best Practices

In a bear market, buy, buy, buy.
by tigermilk
Sat Nov 24, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Good Windows PC for programming / development
Replies: 23
Views: 1519

Re: Good Windows PC for programming / development

Thanks all. Makes sense and I may even consider a desktop. What PC brands tend to have the most reliability and best build qualities? Or are they all pretty similar? I've been on Macs for years but I know in the past my Gateway and Dell laptops never lasted as long as I would have liked. If going d...
by tigermilk
Sat Nov 24, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Good Windows PC for programming / development
Replies: 23
Views: 1519

Re: Good Windows PC for programming / development

Understand what demands the development software makes on the system and design from there. For example. Sometimes I work from home and I perform finite element analysis. The things which affect solution time the most are memory (more is better so that you don't waste time swapping data between memo...
by tigermilk
Tue Nov 20, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124463

Re: U.S. stocks in freefall

Black Friday sales came early! Just waiting for some $$$ to get transferred from my bank to do some early Christmas shopping :D
by tigermilk
Mon Nov 12, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 2284

Re: 20th Anniversary vacation ideas wanted

Early April, west coast. Japan. That is cherry blossom season, and while tourism has increased greatly that time of year, it is still a fantastic place in early April. Fyi, wife and I went to Venice (not the California one) for our 20th.
by tigermilk
Sun Nov 11, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5574

Re: Doing taxes by hand

For me it is always download forms from the IRS website, make an excel spreadsheet with all the "important" lines I will be using, doing the calls, opening the editable pdf files, printing, signing, and mailing. The only time a writing instrument hits paper is for the signature. I print the forms in...