Search found 475 matches

by tigermilk
Mon Dec 11, 2017 2:56 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 3
Views: 216

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: 5619

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: 985

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: 985

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: 5112

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: 2241

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: 1840

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: 2873

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: 2873

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: 8
Views: 1019

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: 2563

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: 2873

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: 5092

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: 2873

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: 5092

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: 1383

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: 2045

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: 2045

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: 3302

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: 2640

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: 2216

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: 6591

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: 6591

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: 3926

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: 3926

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: 1525

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: 2589

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: 1966

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.
by tigermilk
Thu Oct 12, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4399

Re: Offensive Valuations

I guess all I saying is please if you are within 10/15 years of retirement please at least only have 100-your age in stocks...I'm also not a greedy idiot. Am I an idiot? 80/20 ... 50 years old ... < 10 years from retirement. :beerCheers, packet I am 90/10. 47 years old...depending How I am feeling ...
by tigermilk
Thu Oct 05, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: How much should an 18 year old keep in bonds?
Replies: 28
Views: 1531

Re: How much should an 18 year old keep in bonds?

Zero.

The cash you use to buy equities is a bond-like instrument at the beginning. That is, your weekly/monthly/yearly contributions have way ,ore buying power than if you rebalance. Go all-in for the next 15-20 years and then start thinking about bonds.
by tigermilk
Thu Oct 05, 2017 6:20 am
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1614

Re: River cruise recommendations (Europe)

MIL and wife did Prague to Paris, and MIL did another one (started in Budapest and ended somewhere in Germany). MIL loves them (they were Viking). Wife hated it. It depends on the kind of traveler and adventurous you are. If you don't mind limited visits to cities, the strong likelihood of not seein...
by tigermilk
Sun Oct 01, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2419

Re: Federal Employee looking to move to Private sector..!

Seems to me that you didn't do a retirement benefits comparison, including the federal retiree health insurance. It may be that the pay increase balances that, but it needs to be looked at. Lack of work-life balance and the travel are much bigger issues if you have a spouse/family than if you are s...
by tigermilk
Fri Sep 22, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3879

Re: Luxury Car Purchase

What year is the car and where is it on its expected depreciation schedule? If you are talking about a 2010, it may be at the point where the future depreciation is quite minimal. At that point, while you may have sunk $130k into it, you could turn around and sell it a few years down the road for ar...
by tigermilk
Sat Sep 09, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7079

Re: Luxury car: perception vs reality

LIVE! No guilt feelings. But what is it about the car that is so great? Is it the horsepower or the feeling of having a superior vehicle? Is this something that can't be articulated and must be felt/experienced? Everyone is different. For me, I'd love an Aston Martin or comparable. It's the look, t...
by tigermilk
Thu Sep 07, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 2111

Re: Vacation after minor hurricane?

Best case - everything is great Worst case - no power, gas and food shortages, debris everywhere All current projections put Hilton Head on the dirty side, meaning if it comes anywhere close you'll have a storm surge to deal with. A significant storm surge will result in flooding. I'm in the Houston...
by tigermilk
Sun Sep 03, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4309

Re: Does anyone use Driving Shoes?

I have one car with a narrow pedal box and with pedals (clutch, brake, gas) fairly close together. I have to use narrower shoes to more easily move the feet around. Other cars? Nope. I do a bit of PC racing Sims, and I do have to wear shoes indoors for that! Too much barefoot "racing" gives me foot ...
by tigermilk
Fri Sep 01, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Aerospace Stress Engineer Salary History
Replies: 13
Views: 3233

Re: Aerospace Stress Engineer Salary History

Sept 1989 - $14067 (started as a undergraduate student intern, 20 years old) Jan 1990 - $14573 Jun 1991 - $27332 (age 22, received by BS in aero, got a promotion for it but was going to go to grad school full time) Jan 1993 - $36123 (finished my masters, started working full time while getting PhD p...
by tigermilk
Wed Aug 30, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 2921

Re: Best lubricant for exterior door locks

FraggleRock wrote:
Wed Aug 30, 2017 1:03 am
My favorites are:
https://www.drislide.com
and
https://boeshield.com/products/
I'll second Boeshield. Used it on a lock that was barely cooperating. A year or more later it turns like butter. Boeshield goes on wet but will dry.
by tigermilk
Sun Aug 13, 2017 5:38 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2817

Re: TSP Allocation Strategy for the AGRESSIVE Investor

I was 60/20/20 C/S/I up until late last year. I was all equities for 25 plus years, Only now have I started in G an F as I'm about 9 years from earliest retirement age. I'm currently sitting at around 93/7 equitiy/bond. Lived through all the downturns the last 28 years without changing a thing, and...
by tigermilk
Sat Aug 12, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2817

Re: TSP Allocation Strategy for the AGRESSIVE Investor

I was 60/20/20 C/S/I up until late last year. I was all equities for 25 plus years, Only now have I started in G an F as I'm about 9 years from earliest retirement age. I'm currently sitting at around 93/7 equitiy/bond. Lived through all the downturns the last 28 years without changing a thing, and ...
by tigermilk
Sat Aug 12, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 5288

Re: What home task(s) are worth learning to do yourself?

If I go back over my 23+ years of home ownership as well as being an adult in general, the one thing that has paid myself the most is yard work. I have probably saved at least $25k to $30k by doing that myself. Next would be painting where we have saved $5-$10k. I do a fair amount of minor plumbing,...
by tigermilk
Sat Aug 12, 2017 5:58 am
Forum: Investing - Theory, News & General
Topic: "3 Things You May Not Understand About the TSP" – Tammy Flanagan's Latest Column
Replies: 2
Views: 1052

Re: "3 Things You May Not Understand About the TSP" – Tammy Flanagan's Latest Column

I have fellow employees who don't contribute 5%, because they believe that the system is rigged. I'm just flabbergasted. Of note, they seem to be the same employees who refuse to get flu shots. And we have to cover for them when they go out for two weeks in January. I've always taken the view that ...
by tigermilk
Thu Aug 10, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 2831

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

Personally I'd go desktop, and I'd look higher than a 1060. When I built my PC a few years ago I bought a 770. 3 years later and now with an Oculus Rift, it's under the minimum hardware recs, and while it performs OK on some games, I know I need a video card upgrade. For better future proofing I'm n...
by tigermilk
Sat Aug 05, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Grocery prices crazy for the last five months?
Replies: 19
Views: 2214

Re: Grocery prices crazy for the last five months?

Earlier this year when I was in Gilmore, CA, avocados were 6 for a $1. And in 6 months when they are out of season and have to be shipped from South America they will be 6 for $15. I love cherrie. I can get them in December, but I'd have to pay $8 or more per pound. The first harvest back in June t...
by tigermilk
Thu Aug 03, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 104
Views: 10888

Re: 85/15 too aggressive at age 35?

I'm 48 and still only around 93/7 plus or minus a percent. Was 100/0 until this past December. Never panicked and just kept buying. I am at 2 commas in savings and 50% higher in NW. And no debt. I'd do it all over again.
by tigermilk
Mon Jul 17, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 4446

Re: Essential Bike (bicycle) Accessories

Someone mentioned the To peak Road Morph. Best mini pump I've owned, and I only use pumps. I've seen too many people empty their CO2 inadvertently with the tire still flat or under inflated. Yes it takes more effort to use the hand pump, but it won't leave you stranded. Also, a few dollars. It's not...
by tigermilk
Mon Jul 17, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 47
Views: 3544

Re: How Much Would You Spend on a Blender?

You can buy cheap or you can buy good. Your choice. After years of going through blenders (I.e., buying cheap), we stepped up and got a Vitamix. Glad we did. Same thing with trimmers - bought cheap for years, replacing them every couple of years. Bought a gas one that was near industrial quality. No...
by tigermilk
Mon Jul 17, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 10164

Re: Is it still worth buying a house in a state with insane property taxes

hookemhorns wrote:Try living in Texas where property taxes in Dallas are 2.75% of "assessed" value, which is pretty much pulled out of thin air but always increases by mid to high single digits every year.
What are you complaining for? Only 2.75%? That's nothing. I'm sitting at 3.1% here south of Houston...
by tigermilk
Sat Jul 15, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3711

Re: Urgent 1st world problem [coffeemaker]

Lately been doing a lot of cold brewed. All you need is a large vessel for the grounds and water, fridge, and a paper filter when you extract the goodness 24 hours later. We make batches large enough for several days. Hinestly , with some milk, it tastes better than my usual espresso (>$1k machine),...