Search found 508 matches

by tigermilk
Wed Jun 06, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 5724

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: 5724

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: 2755

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: 5724

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: 42
Views: 3317

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: 4632

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: 949

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: 14103

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: 47
Views: 4632

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: 2044

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: 3616

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: 5257

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: 6638
Views: 1433488

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: 874

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: 799

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: 799

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: 1565

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: 10548

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: 781

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: 3477

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: 1127

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: 2167

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: 1462

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: 595

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: 4767

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: 1427

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: 4767

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: 2464

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: 15217

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: 5903

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: 4388

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

Go with zero for the next 10 to 15 years. Once yoiu reach your 40s you can reevaluate getting bonds.
by tigermilk
Thu Dec 14, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: 3 accounts, 30 plus funds, 330,000 value, 2 advisers
Replies: 15
Views: 1612

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

My MIL had 2 accounts with WF, and IRA and brokerage. I helped her roll the IRA over to Vanguard and we left the brokerage with WF but made sure it was converted to a non-WF managed account. The only freshening charged on that one are the individual ER fees for a fund, no extra management fees from ...
by tigermilk
Mon Dec 11, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 2027

Re: Japan in summer

Sounds like a terrible idea because of bad hot/humid weather. We're freezing this idea for now. Will warm it up later. Thanks for your advice ! Not a terrible idea, but more knowing what you are getting into. We definitely plan to be there for the 2020 Summer Olympics. That said, try to swing it fo...
by tigermilk
Mon Dec 11, 2017 2:56 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 2027

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: 6249

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: 1153

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: 1153

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: 6236

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: 2766

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: 2277

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: 3433

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: 3433

Re: Bicycle wheels - what's a reasonable budget

FYI - hear Powertap stuff will be 25% from Black Friday to Cyber Monday - https://www.powertap.com/catalog/holiday-sale The link above appears to show normal prices currently. 25% off those is a great deal. As mentioned in a previous post, I've got the PT P1 pedals and a number of their hubs through...
by tigermilk
Sat Nov 18, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2017
Replies: 15
Views: 2193

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: 3068

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: 3433

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: 5801

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: 3433

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: 5801

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: 37
Views: 3551

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: 2499

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 ...