Search found 451 matches

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: 19
Views: 1483

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: 19
Views: 1483

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: 1324

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: 2309

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: 1782

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: 4099

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: 1393

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: 1465

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: 2289

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: 3654

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: 6470

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: 1976

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: 4055

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: 3111

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: 2711

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: 2408

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: 2408

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: 4980

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: 1016

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: 2605

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: 2102

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: 10376

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: 4203

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: 43
Views: 2780

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: 9722

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: 3608

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),...
by tigermilk
Thu Jul 13, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6932

Re: Cheap eggs... how bad?

The $6/dozen eggs I buy go well with the $6/half gallon grass fed cow's milk. Quality costs. Why skimp on what goes down my throat?
by tigermilk
Wed Jul 12, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10756

Re: Do you count vehicle equity in net worth?

reriodan wrote:If you need to count a vehicle in your net worth, you don't need to be counting your net worth.
It depends. I have a classic which has been appreciating over the years. I have no problem considering that in my NW, though I would never consider my low end daily driver. But NW is secondary to me.
by tigermilk
Mon Jul 10, 2017 5:45 am
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2486

Re: September short trip ideas

One week is too short for international trip (ex Canada/Mexico/Central America maybe). You lose two days travel time - way too much travel overhead. Two weeks minimum for Europe and three for Asia. No. If you lived on either coast would a trip to the other coast not me suitable unless there for 2 w...
by tigermilk
Sun Jul 09, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 4488

Re: What to wear for job interview - skip the tie?

Mr.BB wrote:ALWAYS dress to impress!
So does that mean a $5000 Kiton wool cashmere sport coat with no tie or a $300 suit on special at Joseph Banks with a tie? A cheap suit with a tie is still a cheap suit.
by tigermilk
Sun Jul 02, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard Roth
Replies: 8
Views: 719

Re: TSP and Vanguard Roth

You should contribute to at least the agency matching and you can contribute up to $18k/year in the TSP (unless you are turning 50 this year in which case it's more). You can contribute that Max as well as max your Roth at Vanguard. Depending on your tax bracket you may want the Roth TSP (don't conf...
by tigermilk
Sat Jul 01, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4866

Re: Advice on Desktop PC

You don't need a new computer. It sounds more like you would be well served by better monitors and speakers. The computer specs are largely irrelevant for what you're asking for. The only thing to mention is that solid-state storage (an SSD) would be a plus for faster loading times and system respo...
by tigermilk
Sat Jul 01, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4866

Re: Advice on Desktop PC

I view desktops as entirely obsolete. Get a nice laptop and add a full size keyboard, mouse, and a large monitor. Plug the full size accessories in to a powered post replicator and you are good to go, And when you travel or just want your computer in another room, just unplug and use the laptop. Un...
by tigermilk
Sun Jun 25, 2017 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 49
Views: 5675

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

At 25 years from retirement, 100% equities is perfectly reasonable in my view. Bingo. At 25 years out, your balance it still likely low enough that cold, hard cash ffrom your regular contributions more than covers any downturn in equity prices. I was 100% equities up until Dec 2017, at the ripe age...
by tigermilk
Wed Jun 21, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5627

Re: What is your car's average cost ownership?

I think for these discussions it's important that all costs are included. And then compare yours to Consumer Reports. Anyway here is an absurd example of a fun car. a LaFerrari (it's even a hybrid for the eco crowd!). You could have bought one in 2014 for $1.5 million (provided Ferrari thought you ...
by tigermilk
Mon Jun 05, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 3332

Re: Article: Compare ROI of college education vs S&P500

Me - degrees in engineering, and my education ROI has been much greater than market returns (family paid a chunk for undergrad 25 years ago, but grad school was a free ride). I could not be in my profession without the degree, and the likelihood of making what I make would be really low. As that sal...
by tigermilk
Wed May 31, 2017 5:31 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 7624

Re: Predicted 4% return over next decade. What do you do now?

Stay the course. While Jack Google may be highly respected, particularly in these parts, his crystal ball is no better than anyone else's.
by tigermilk
Mon May 29, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Freezer not freezing
Replies: 6
Views: 727

Re: Freezer not freezing

What about the refrigerator side? Is it normal, warmer than usual, or freezing stuff? Probably the best thing to do is Google your model number with the problem. You'll no doubt find more info that way than here. I've had a few issues over the years that were fixed with under $200 in parts and a few...
by tigermilk
Thu May 25, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Present value of COLA pension
Replies: 20
Views: 2052

Re: Present value of COLA pension

I consider my future COLA pension in my NW calculations, and iin doing so I use a very conservative value. I assume I'm gone and my wife has the survivor benefit (50%). Further, I assume a modest 15 year period and also derate by 10% to account for what I'd have to pay for the survivor benefit.
by tigermilk
Sun May 21, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 5005

Re: NJ Lemon Law 2017 Honda CRV

How long have you gone between driving it? If you left it for 6 months, I'd say that I'd expect it to be dead. If it's 2 weeks, it would be on par with a Lotus Elise or Ferrari 488 (without the coolness of owning an exotic car where you just put up with those kind of things) which are known to drai...
by tigermilk
Thu May 04, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?
Replies: 21
Views: 1389

Re: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?

Galveston in December could be in the 70s or in the 40s. The beach isn't that appealing, and it could be pretty dead that time of year.
by tigermilk
Thu May 04, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3632

Re: TRAVEL ALERT FOR EUROPE

I have enjoyed Paris in the past, but currently the U.S. State Department has a Travel Alert for Europe. I certainly wouldn't take kids this summer. m I have no doubt French parents aren't thinking of taking their kids out of country this summer. While there is a travel alert, the likelihood of bei...
by tigermilk
Thu May 04, 2017 6:05 am
Forum: Investing - Help with Personal Investments
Topic: pension, emergency, invest, mortgage. help please
Replies: 4
Views: 601

Re: pension, emergency, invest, mortgage. help please

The answer to your question is that it depends. Mathematics, or maths to you, enters into it as well as personal outlook. If you have a 3.5% mortgage and market returns are 10%, which makes more mathematical sense? But if market returns are 1-2% or lower, you may have a different opinion. Then there...
by tigermilk
Wed May 03, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 21299

Re: Buying a luxury car (how dumb would it be to do this?)

Have a '98 M3 that's a blast to drive, but I will never buy another BMW. You have the money, but skip the brand. I was not impressed with the quality of workmanship.
by tigermilk
Wed May 03, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3632

Re: Visiting Paris for 8 days - what to do?

Take the trip to Monet's house. It's great to see it in person after seeing the paintings in Paris. Enjoy! Paris is a wonderful city. Agree! Monet Garden is in Giverny, 1 hour from Paris. My wife and I have been there twice and enjoyed it a lot. You can take the train or drive there. So OP will be ...
by tigermilk
Sun Apr 30, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: calculating best house value across US markets
Replies: 18
Views: 2100

Re: calculating best house value across US markets

Well, no income tax, southwest, you're looking at Texas or Nevada. As a resident of Texas, while I appreciate the lower cost of a home purchase, the property tax rates are the state's gift that keeps on taking. Roughly 3% is my rate, and the county has been increasing the appraised value like clock...
by tigermilk
Fri Apr 21, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 43
Views: 3965

Re: IRS refund today!

E-filed on March 19. A couple weeks later I got a letter instructing me to call the IRS to verify my identity. Did that within a couple days and the guy on the phone said it could take up to another nine weeks for the refund to arrive. 9 weeks? Expect 9 months. The last 2 years someone filed a frau...
by tigermilk
Thu Apr 20, 2017 6:05 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 6706

Re: Is my electric bill high?

Houston 2400 sqft house with gas heater, water heater and stove, all else electric. Will range from $50 or so in winter to $250-$300 in the summer. Just paid the latest bill yesterday for about $125. The a/c has been on a fair amount the last month - getting to that time of year. Gas will run us $20...
by tigermilk
Thu Apr 20, 2017 5:57 am
Forum: Personal Finance (Not Investing)
Topic: I will pay off mortgage at 40. What next?
Replies: 22
Views: 2927

Re: I will pay off mortgage at 40. What next?

Congrats. Paid my house off around your age and have been without a mortgage for nearly a decade. What did we do? More taxable investing, took more vacations, increased what we'd normally spend on a car, built up the savings account more, and in general just become stress-free in life. Was able to c...
by tigermilk
Sat Apr 08, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 2980

Re: Cold weather family summer vacation ideas

Southern hemisphere to take advantage of their winter?