Search found 527 matches

by tigermilk
Mon Nov 12, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1858

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: 4803

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...
by tigermilk
Mon Nov 05, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 25
Views: 1732

Re: FEHB HDHP options for Federal Employees

Have GEHA and have been happy with it, We have used it a couple of times. For 3 of the years the necessary medical work was under the deductible, so I never worried about pre-approval. This past July I crashed on my bike requiring a trip to the emergency room. I made sure the hospital was in network...
by tigermilk
Mon Nov 05, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Fed employment vs. contracting
Replies: 12
Views: 740

Re: Evaluating Fed employment vs. contracting

Looking at GS 14/15 or are there actually postings for 14/15? Big difference, Getting a 14/15 can be a huge challenge.
by tigermilk
Mon Oct 29, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4924

Re: Should I co-sign for relative?

Are you in the market for a new car? And do you want to lease one at $900/month? If the answer to those questions are both yes, cosign. If not, run because honestly, you may be in that situation. No way would I cosign for any of my relatives or relatives-in-law.
by tigermilk
Sat Oct 27, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6128

Re: How to exit out of the Stock Market?

Thank you for the replies. I am not sure what to say because the replies keep saying I am timing the market but I don't see it that way at all. I see it as protecting my gains. I have two funds that are totally invested in the stock market. I may need to use the money in the coming years so it is t...
by tigermilk
Sat Oct 27, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6128

Re: How to exit out of the Stock Market?

First off, a little bit about myself as a sake of comparison. I am 49 years old and am also a fed.If I retire around my MRA, I will have 37 years of service, so when accounting for service time, sick leave, spousal reduction of 10% for the pension, I will have a pension that is around 34% of my sala...
by tigermilk
Wed Oct 24, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4009

Re: Coffee grinder

How old are you? How long do you want the coffee grinder to last? I bought a Mazzer Super Jolly (approx 15 years ago I think) off of Ebay (new, not used). It was expensive back then, but I expect it to be working when I die. I think the burrs are suppose to last 900-1000 lbs of coffee before replac...
by tigermilk
Thu Oct 18, 2018 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Masters Degree Advice
Replies: 25
Views: 2493

Re: Masters Degree Advice

Thanks for the reply! Do you see people max out at a certain level in your organization if they only have a bachelors degree? This is a concern of mine as I don't want to be limited by opportunities in the future. Speaking from the perspective of nearly 3 decades experience in aerospace (I am a fed...
by tigermilk
Tue Oct 09, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3377

Re: Best headphones under 500 bucks

I have an old pair of Senheiser 580s, and someone suggested the 650s which are a successor. Only problem is they are open ear, so sounds goes in and out. Otherwise a great set of cans. I will suggest something different and that is the Stax SR-002/SRM-002 combo. Stax does electrostatic headphones, a...
by tigermilk
Wed Oct 03, 2018 1:43 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16666

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Tokyo or London. Both incredible cities for completely different reasons.
by tigermilk
Tue Sep 18, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3522

Re: Dental work and hypertension issue

No advice but will add that my brother needs a bunch of dental work done. He went to a dental school a few weeks ago and was told he has to get his BP under control (way higher than yours, seemed like he was ready to pop!), so his work is on hold.
by tigermilk
Thu Sep 13, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3525

Re: Buying a house 1 mile away from a municipal landfill

Are there known issues with the landfill? If not, you should be more at ease. In my town, we have this: https://www.khou.com/article/news/local/neighborhood/pearland-neighbors-fed-up-with-stinky-landfill/285-589797741 Fortunately I am far enough away where it does not impact me. Whenever I look at h...
by tigermilk
Sun Aug 26, 2018 6:01 am
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8798

Re: Ladies: bra shopping question

In recent years my wife has been complaining about her bras, particularly the fit. At my urging, we went to a local high end store with an experienced staff of fitters. She was very hesitant as beforehand she felt it would be an awkward situation. But it was great. While the bras were expensive ($70...
by tigermilk
Thu Jul 12, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 6051

Re: Is expensive olive oil worth it?

We stick to California olive oils because we can trust that they are unadulterated and honestly labeled, and because they're local. Good oil is first-press, virgin. Cheaper oils can be heat-extracted and you don't want that, nor do you want chemical extraction methods. Costco carries a very good Ca...
by tigermilk
Sat Jul 07, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3506

Re: Coffee Grinder recommendations

InvisibleAerobar wrote:
Sat Jul 07, 2018 11:57 am

totally understand about cycling. I actually go by another screen name on slowtwitch. Don't think we've crossed path too often, but i can often be found debating the minutiae of road bike racing :)
I spend most of my time in the Lavender room these days...
by tigermilk
Sat Jul 07, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3506

Re: Coffee Grinder recommendations

out of curiosity, do the grounds from your Mazzer clump? I'd be much happier with my Baratza if it didn't produce grounds that clump together. Overall, i've been using my current Baratza grinder for 6 years (1st three years paired to a cheap Saeco, the last three paired to Silvia PID), and it has b...
by tigermilk
Thu Jul 05, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3506

Re: Coffee Grinder recommendations

I have 3 grinder depending on the coffee. For espresso, with my single boiler machine, it is a Mazzer $500 or so grinder. If I want a moka pot drink on the espresso, it is the $20 Mr Coffeeblade grinder on the fine setting, waiting for the grinder to stop on its own. For French press and cold brew, ...
by tigermilk
Wed Jul 04, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: 25-year-old military vet/undergrad student in search of advice
Replies: 11
Views: 1072

Re: 25-year-old military vet/undergrad student in search of advice

Just stay relaxed and finish that degree. Depending on the degree you are pursuing, look into a summer job or coop position in the field. FYI, I work at a federal facility, and while I am an engineer, we employ folks with degrees in STEM and non-STEM disciplines. We have had a few older GI bill stud...
by tigermilk
Wed Jun 06, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6997

Re: Need advice on 1st international vacation

And don't get me started about condiments. I was at a full service sit down restaurant in Venice, and I ordered hamburger and fries, and when the food came to the table, I realized there was no ketchup,.. Oh man. If you're ordering a hamburger and fries in Venice, you're doing it all wrong. We foun...
by tigermilk
Mon Jun 04, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6997

Re: Need advice on 1st international vacation

I would rule out South Africa, New Zealand, and Japan from consideration. They are really too far to travel for the amount of time you have available. Japan is also super expensive. ??? Japan isn't much longer of a flight from the US than Europe. Fortunately I am in a market with direct flights, so...
by tigermilk
Sun Jun 03, 2018 4:55 am
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3334

Re: June in Paris: What to (or not to) wear, see and do?

Two othersmentioned Giverny. Absolutely a must go. Rent a car or take a tour bus to get there. Whileit is wonderful to stand 2 feet from an original Monet, it is quite another to travel to the gardens that inspired him. I must have taken 1000 photos during our day trip there. If you do rent a car, g...
by tigermilk
Sun Jun 03, 2018 4:45 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6997

Re: Need advice on 1st international vacation

My 2 favorite cities in the world are Tokyo and London, There is so much to do in London that you can easily fill 7 to 10 days there. Great museums, architecture, parks, gardens, etc. You can't go wrong with it. Tokyo, ontheother hand,is just an experience. The vibe and electricity of the city is am...
by tigermilk
Sat Jun 02, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 5505

Re: 6 hour layover on Heathrow

First time to London my wife and I spent three days in the British Museum. On a layover, about all you'd get is a good look at the entrance.
by tigermilk
Sat Jun 02, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 5014

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

Much interesting discussion in this thread. I'll comment as someone who has worked for NASA nearly 3 decades, starting while still a student. First some direct rebuttals regarding some of the others posts: 1) Getting the Ph.D. - I got a doctorate, and it was at a time when we'd get reimbursed for tu...
by tigermilk
Tue May 22, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does the IRS care about pennies?
Replies: 7
Views: 1032

Re: Does the IRS care about pennies?

They should. Ever see Office Space? :mrgreen:
by tigermilk
Mon May 21, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 15158

Re: The Millionaire Next Door and civil servants

Can only speak for myself - CS (FERS, turn 49 this year) and knocking on the 2-comma door in my TSP. Already past that in total. I'd have an even larger balance if not for the constraining rules early in my career that limited contributions to a % of income rather than a $ amount. It should not be t...
by tigermilk
Tue May 08, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5440

Re: Which City to spend 4-6 weeks?

A place that ticks all those boxes, in my opinion, is Tokyo. Tokyo and London are my two favorite cities in the world, The monthly rentals will be a harder box to tick, but Tokyo is getting more accessible in that respect.
by tigermilk
Mon Apr 09, 2018 4:35 am
Forum: Personal Finance (Not Investing)
Topic: Job search advice for a soon-to-be engineering grad...
Replies: 41
Views: 2317

Re: Job search advice for a soon-to-be engineering grad...

I see a warning flag if he didn't get any offers from the organization's he interned for. Is it truly "geographical preference" or a workplace issue? Good grades and book smarts doesn't always trranslate into top notch practicing engineers.
by tigermilk
Sat Apr 07, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 4015

Re: Engineering: Quality of school vs. specialized niche degree

Find a school with a good cooperative education or student internship program. I went to a well regarded engineering school (Michigan), and I can honestly tell you that had I merely gottten the BSE I would have ill-eqipped to be a practicing engineer right out of school. Fortunately I had the opport...
by tigermilk
Thu Mar 01, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5561

Re: What age is too old to stop hostelling?

Tokyo hosteling, March 28-April 01. Me 68, Sister 72. followed by 5 day organized tour. May our paths cross! Wife and I will be taking her mother to Japan for her first visit (wife has been 8 or so times, me nearly 30 - we love the place). Will be in Tokyo the same days as you before heading down t...
by tigermilk
Mon Feb 05, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7837
Views: 1608408

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: 1131

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: 935

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: 935

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: 1755

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: 11774

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: 893

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: 3667

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: 1284

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: 2431

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: 1668

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: 669

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: 5015

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: 1539

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: 5015

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: 2677

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: 148
Views: 17197

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: 6375

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: 4805

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.