Search found 669 matches

by tigermilk
Tue Apr 20, 2021 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Go after Whirlpool or capture my gains?
Replies: 1
Views: 145

Go after Whirlpool or capture my gains?

In December we noticed dampness on our carpet that b9rders the kitchen. Our Whirlpool dishwasher had been leaking for some time unbeknownst to us. This destroyed our lower cabinets and we submitted a claim to our insurance company. In making the claim, I told the rep that a class action lawsuit had ...
by tigermilk
Sun Apr 18, 2021 6:39 am
Forum: Personal Consumer Issues
Topic: Non oily coffee beans for automatic espresso machine
Replies: 11
Views: 621

Re: Non oily coffee beans for automatic espresso machine

1) medium roast
2) don't buy at Costco

It pays to have fresh beans. Heck, I feel guilty when I make an espresso with beans more than 2 weeks old.
by tigermilk
Sat Apr 17, 2021 1:09 pm
Forum: Personal Consumer Issues
Topic: Another Tire Question
Replies: 13
Views: 814

Re: Another Tire Question

I bought a set of Primacy MXV4s last week, but went the NTB route. A set was $600 for the 93 load rating, so less than Costco. This was on a 2015 Camry, replacing the original tires (32k miles on my Camry). Wanted a quiet tire. In the Houston, we don't have 4 seasons.
by tigermilk
Sat Apr 17, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Down the Coffee rabbit hole....
Replies: 1
Views: 426

Re: Down the Coffee rabbit hole....

I had a suspicion it would be a link to James Hofman. He is entertaining. I particularly enjoyed a couple of videos where he sampled some beans grown in England and one where he opened a can of coffee from the early 20th century. You can imagine how those turned out.
by tigermilk
Fri Apr 16, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: replace front door; Home Depot?
Replies: 13
Views: 1078

Re: replace front door; Home Depot?

Do you just want a front door or do you want a quality front door? If the former, big box may be fine. We got our front and back doors replaced by a speciality store, and I would do that again. Cost more, but the quality from installation to product is better.
by tigermilk
Thu Apr 15, 2021 5:04 pm
Forum: Personal Consumer Issues
Topic: Considering porcelain flooring that looks like wood
Replies: 12
Views: 687

Re: Considering porcelain flooring that looks like wood

I started a thread a few days ago similar in nature - https://www.bogleheads.org/forum/viewtopic.php?f=11&t=345847&newpost=5942926&view=unread#unread We are also in the Houston area and have been debating flooring. We were about to buy new construction and went to the builder's design ce...
by tigermilk
Tue Apr 13, 2021 1:01 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2886

Re: Flooring decisions for whole house - tile vs laminate

We've had both laminate and ceramic/porcelain tile in various homes, and I would never choose laminate again. Its water resistance is poor; unless surface water is dried in fairly short order, the seams will swell up permanently. Almost any water getting under it will ruin it. And tile is far more ...
by tigermilk
Sun Apr 11, 2021 9:22 pm
Forum: Personal Investments
Topic: Buying a 1.5M house in Austin. Should I pull it?
Replies: 51
Views: 5362

Re: Buying a 1.5M house in Austin. Should I pull it?

To me, as a Texas resident, real estate is a poor investment. Depending on location the property tax rate can be anywhere from a little over 2% to a bit over 3.5%. That is a real drain hot market or not. Plus, if purchasing as an "investment" there are the realtor fees. How big is the pool...
by tigermilk
Sun Apr 11, 2021 8:26 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2886

Re: Flooring decisions for whole house - tile vs laminate

Silk McCue wrote: Sun Apr 11, 2021 8:17 pm Did you give consideration to LVP?

Cheers
Yes. Plenty of reports out there about fading due to sun. Revwood appears to be the better of the two.
by tigermilk
Sun Apr 11, 2021 6:27 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2886

Flooring decisions for whole house - tile vs laminate

We are going to change out our flooring from a mix of original builder tile (entry, kitchen, baths, utility), engineered wood, and carpet. We are trying to decide between tile (likely Daltile or Marazzi) or laminate (Mohawk Revwood Plus). If we go with laminate, we would likely put tile in the guest...
by tigermilk
Thu Mar 25, 2021 5:09 pm
Forum: Personal Consumer Issues
Topic: Should we jump on this offer and upgrade kitchen appliances?
Replies: 5
Views: 820

Re: Should we jump on this offer and upgrade kitchen appliances?

If you do, get those new appliances at home first. We are updating our kitchen and getting a new range and dishwasher. Lead time is about 8 weeks due to COVID.
by tigermilk
Thu Mar 25, 2021 4:54 pm
Forum: Personal Consumer Issues
Topic: Unloading Massive Collection of Classical Music
Replies: 42
Views: 3970

Re: Unloading Massive Collection of Classical Music

Sorry for your loss. For the CDs, you may indeed want to do your homework. My wife is a big classical CD collector. There are numerous out of print CDs that command some significant $$$ (not a couple of bucks, but $50 into the hundreds). Using a website like discogs to get a feel for the rare ones w...
by tigermilk
Wed Mar 24, 2021 1:56 pm
Forum: Personal Consumer Issues
Topic: Engineering - Umich (OOS) - Uva (InState)
Replies: 74
Views: 2983

Re: Engineering - Umich (OOS) - Uva (InState)

UM grad, and in particular, the aero department. I was born in Ann Arbor, but moved to Texas when I was around 10. Went back up there because of family history (grandfather taught in the department). I paid out of state tuition. I tried to get residency, but the UM admin would have nothing of it. Wh...
by tigermilk
Mon Mar 22, 2021 2:29 pm
Forum: Personal Consumer Issues
Topic: Relocating from Austin to Galveston
Replies: 34
Views: 3403

Re: Relocating from Austin to Galveston

I wouldn't live in Galveston. Too transitory with the tourists and vacation homes, I would take the suggestion of moving to the other side of the bridge to heart.
by tigermilk
Fri Mar 19, 2021 6:33 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 171
Views: 12142

Re: Does a cheap road bike really exist?

if you’re going to ride with regularity i would spend into the 2k-3k range as others have mentioned (more bang for the buck). when i started off riding i went for a cheap road bike ($400), eventually upgraded ($1200), and later upgraded again ($3000). i wish i would have just purchased the $3000 bi...
by tigermilk
Tue Mar 16, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Is buying a house in Illinois with 18k property tax a bad financial decision?
Replies: 40
Views: 3334

Re: Is buying a house in Illinois a bad financial decision?

Not sure where you are looking at specifically, but those property taxes aren't crazy for the price of your house. If it is in a community with good schools and parks, I'd say you are getting what you pay for. If you are looking for really low taxes, try Somalia ;) I think what happened in Texas re...
by tigermilk
Sun Mar 14, 2021 8:18 am
Forum: Investing - Theory, News & General
Topic: Hitting your numbers. How to estimate when you have enough.
Replies: 175
Views: 20040

Re: Hitting your numbers. How to estimate when you have enough.

So in my mind, while not split it down the middle. Stay for another 7 years, but do the things I plan on doing once I reach 62, which is travel. Thus, I get the best of both worlds, as I get to go on some really nice trips (i.e. Safari in Africa, Snorkel the Great Barrier Reef, see the Galapagos) w...
by tigermilk
Sat Feb 06, 2021 12:14 pm
Forum: Personal Investments
Topic: Completely Roth in retirement?
Replies: 59
Views: 4784

Re: Completely Roth in retirement?

My plan is to ccompletely deplete/convert my pre tax portions by age 70 and delay SS until then. Plan is to take as much out to stay in our current bracket. Nothing will come out of the Roth until that time. Just see nothing but upsides. While we have no children, our will does give our estate to si...
by tigermilk
Sat Feb 06, 2021 7:55 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to buy houses worth $3M and pay almost $50K each year in property taxes
Replies: 61
Views: 7713

Re: Does it make sense to buy houses worth $3M and pay almost $50K each year in property taxes

We pay 760.00 a year for 155k home in Tennessee Couldn't be more pleased I pay about $2,500/year for a $350k home here in Georgia (metro Atlanta). It's not my dream home, but it's in a good location, is quite comfortable, and is plenty spacious for me and my partner. I honestly can't imagine that s...
by tigermilk
Mon Jan 25, 2021 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4648

Re: How much tax burden is too much?

Interesting topic. I may pull the plug and move to Texas this year. The Property Tax rate looks high. Correct me if I'm wrong, but it looks like it's often 2.0-3% of assessed value. As an example, here is a random house I picked on Zillow from Frisco TX: https://www.zillow.com/homedetails/12214-Lim...
by tigermilk
Mon Jan 25, 2021 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4648

Re: How much tax burden is too much?

With a 20K$ property tax bill, that must be quite a house, guessing a valuation in the range of 1M$, which is a lot of house in many parts of Texas. In more rural parts of the state, quite nice homes can be found for 300-400K$. I would expect to pay 5-10K$ tax on houses in that range. The school di...
by tigermilk
Mon Jan 25, 2021 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4648

Re: How much tax burden is too much?

We live 8n Texas with no state income tax but ridiculous property taxes. To me, property taxes here are the gift that keeps on taking, so Even with no taxable income you can be in real hurt. We recently bailed on a new house construction due to the tax implications. With 5 to 6 years to go before r...
by tigermilk
Mon Jan 25, 2021 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4648

Re: How much tax burden is too much?

With a 20K$ property tax bill, that must be quite a house, guessing a valuation in the range of 1M$, which is a lot of house in many parts of Texas. In more rural parts of the state, quite nice homes can be found for 300-400K$. I would expect to pay 5-10K$ tax on houses in that range. The school di...
by tigermilk
Mon Jan 25, 2021 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4648

How much tax burden is too much?

We live in Texas with no state income tax but ridiculous property taxes. To me, property taxes here are the gift that keeps on taking, so Even with no taxable income you can be in real hurt. We recently bailed on a new house construction due to the tax implications. With 5 to 6 years to go before re...
by tigermilk
Mon Jan 25, 2021 4:52 am
Forum: Personal Consumer Issues
Topic: Where do you buy your pet supply?
Replies: 29
Views: 1310

Re: Where do you buy your pet supply?

Multiple places. Whoever has our cat and dog stuff in stock, usually Chewy. But they don't carry our cat food anymore (Pure Vita). So for that I often head to Natural Pawz. It started as a local Houston place but has reached out across the state and now offers nationwide shipping. I try to order fro...
by tigermilk
Tue Jan 12, 2021 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Identity Protection PIN
Replies: 100
Views: 6175

Re: IRS Identity Protection PIN

Got ours already for this year. Ben4 or 5 years now getting them after back-to-back fraudulent returns. Either last year or the year before we actually got 2 sets of PINs as someone fraudulently tried to get access, even with the PIN. Always a joy...
by tigermilk
Thu Dec 31, 2020 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with flood risk?
Replies: 54
Views: 3283

Re: Buying a house with flood risk?

We were looking to move from our "did not flood in Harvey" home, and to help the selection process I devoured the FEMA maps. There was a lot of "but this area flooding" instances, and sure enough a Rice U study (https://kinder.rice.edu/urbanedge/2020/09/30/flooding-Harvey-outdate...
by tigermilk
Sun Dec 27, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: New house budget in high prop tax state
Replies: 4
Views: 427

Re: New house budget in high prop tax state

3900 square feet? I guess everything IS bigger in Texas. That seems like so much space - to clean, to fill [furnish], to sit unused... etc Just be sure that you will be happy paying for the size upgrade. Agreed. I think decluttering will make our current home fine. A side issue is my wife wants a l...
by tigermilk
Sun Dec 27, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: New house budget in high prop tax state
Replies: 4
Views: 427

New house budget in high prop tax state

Wife really wants a larger house, We live in Texas, which is ridiculous with property taxes. Our current house has a 2.6% effective rate with an appraised value of $275k. House we were looking at is new construction with a rate of 3.6%. Homestead exemptions would drop the effective rate down a bit, ...
by tigermilk
Tue Mar 10, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3500
Views: 582787

Re: What are you up YTD? [Year To Date]

Down about 15% and went sub 2 comma in my TSP. Meh. Still at least 6 years to retirement, don't mind buying on a discount, balance is about where it was in the second quarter of 2019, No worries here. It is what it is.
by tigermilk
Fri Feb 28, 2020 8:09 am
Forum: Investing - Theory, News & General
Topic: Stocks are Not on Sale
Replies: 30
Views: 3755

Re: Stocks are Not on Sale

Using your logic, the word sale should be stricken from the English language. The same words could be applied to any product out there. In your example, Delta is down. Well, I can't speak directly about Delta, but I can say Unitednnis down about 20% in the last week. I live in one of their hub citie...
by tigermilk
Fri Feb 28, 2020 6:29 am
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 19331

Re: who is worried and feels like selling stocks?

I am 100% equities and plan on doing... absolutely nothing :D Hope you are many decades away from retirement. My 2 comma TSP was 85/15 last week, and our Roths are 100/0. Can retire in 6 years. With each passing day and each market drop, I have been adding even more equity exposure - TSP moved to 8...
by tigermilk
Fri Feb 28, 2020 6:18 am
Forum: Personal Investments
Topic: Help w Fed Employee TSP C Fund
Replies: 33
Views: 2460

Re: Help w Fed Employee TSP C Fund

[ Are you thinking that this will all blow over? I hate to be the panicky type - but this seems much worse. We haven't even gotten to community spread yet and the markets are rattled. I'm going to take everyone's advice here and hope for the best. I'm glad that I didn't panic in 2018 - but again - ...
by tigermilk
Thu Feb 27, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Certificates or no certificates when purchasing tires as Discount Tires?
Replies: 20
Views: 16103

Re: Certificates or no certificates when purchasing tires as Discount Tires?

You all need to get a road bicycle. In my 10k miles a year days, I would run through 4 to 5 rear tires (so less than 2500 miles before replacing), and good bike tires are easily $40 to $70 each. It put things in perspective for me. No "certificates" for me with the car, just self insure an...
by tigermilk
Thu Feb 27, 2020 7:17 am
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 19331

Re: who is worried and feels like selling stocks?

I am 100% equities and plan on doing... absolutely nothing :D Hope you are many decades away from retirement. My 2 comma TSP was 85/15 last week, and our Roths are 100/0. Can retire in 6 years. With each passing day and each market drop, I have been adding even more equity exposure - TSP moved to 8...
by tigermilk
Fri Feb 21, 2020 7:54 pm
Forum: Personal Investments
Topic: TSP Roth vs Traditional
Replies: 18
Views: 1404

Re: TSP Roth vs Traditional

If I had to do it all over again, I would have picked Roth TSP as soon as it was offered. I am in a no income tax state and currently in the 22% bracket. I switched to Roth last fall as a hedge against future tax rates and knowing I will be in the same, or higher, tax bracket when retired (have a so...
by tigermilk
Fri Feb 21, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4891

Re: Master of Social Work degree

Mother was originally a nurse, went back to school for a MSW, worked for various government and insurance entities, and ended up in quality management (in an area that she focused on as a social worker) at a hospital chain. She retired less than 10 years ago, leaving a salary in the mid/low $100k ra...
by tigermilk
Thu Feb 20, 2020 5:22 am
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 4344

Re: Guitar for a 45 year old beginner

What do you want to play? Electric? Acoustic? If acoustic, classical guitar? If my goal were to play classical, I certainly wouldn't run down to the music store to buy a steel string guitar. FYI, for myself, when I wanted to learn guitar, I went electric and bought a cheap Squier (a bit over $100 at...
by tigermilk
Mon Feb 17, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Which Rolex to get for DW?
Replies: 52
Views: 4235

Re: Which Rolex to get for DW?

So, my lovely wife is approaching a milestone birthday next year and has hinted she would like a Rolex since I got my Rolex at that age as well. Question - does she want a Rolex because she likes them? For the status? Does not know any better? Other reason? I recently bought my wife a nice watch. S...
by tigermilk
Mon Feb 17, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Money spent on Cars
Replies: 21
Views: 2803

Re: Money spent on Cars

Jack FFR1846 wrote: Sun Feb 16, 2020 10:43 pm On a car forum, there's an ongoing thread "Cars you've owned". I've copied my list here.

19 90 BMW M3
Bet you wish you had this one still
by tigermilk
Sun Feb 16, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Money spent on Cars
Replies: 21
Views: 2803

Re: Money spent on Cars

We brought 2 used cars into the marriage and have bought 5 since married. That is over a 29 year marriage. 3 of those bought when marrried were new, and 1 is a collectible. I like cars, but hate car transactions.
by tigermilk
Fri Feb 14, 2020 9:56 am
Forum: Personal Investments
Topic: TSP Allocations in Retirement
Replies: 32
Views: 3445

Re: TSP Allocations in Retirement

Question - why are you waiting 3 years to draw income from your portfolio? It doesn't appear that you have any other income between 2020 and 2023 other than pension so why restrict income during arguably the best and most active years of early retirement? Answer: We are planning to do contract work...
by tigermilk
Fri Feb 14, 2020 8:58 am
Forum: Personal Investments
Topic: TSP Allocations in Retirement
Replies: 32
Views: 3445

Re: TSP Allocations in Retirement

With two pensions, medical and SS benefits, you need to look at RMDs. Roth conversions are likely to be a good next step once you retire. If you have any traditional IRAs with a balance, you will need to be aware of the pro rata rule. If you take all the money from the TSP, you cannot go back. Whil...
by tigermilk
Tue Feb 11, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: Houston for a day, July, with 15 year old daughter
Replies: 17
Views: 1246

Re: Houston for a day, July, with 15 year old daughter

beergod wrote: Tue Feb 11, 2020 9:52 pm Did I mention you will definitely need a car.
Not necessarily. If they are staying across from Rice in the Med Center and stick to the Museum District and restaurants along the train line, no car. Could even get to Ninfas via MetroRail.
by tigermilk
Tue Feb 11, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Houston for a day, July, with 15 year old daughter
Replies: 17
Views: 1246

Re: Houston for a day, July, with 15 year old daughter

If you want to only see things in the vicinity of Rice, it will be the Museum District - Museum of Fine Arts Houston (excellent btw), the modern art museum across the street, the Natural Science museum a few block away, Buffalo Soldiers Museum a mile or so away, ... If you have a car, the mention Me...
by tigermilk
Mon Feb 10, 2020 7:18 am
Forum: Personal Investments
Topic: TSP Allocations in Retirement
Replies: 32
Views: 3445

Re: TSP Allocations in Retirement

With two pensions, medical and SS benefits, you need to look at RMDs. Roth conversions are likely to be a good next step once you retire. If you have any traditional IRAs with a balance, you will need to be aware of the pro rata rule. If you take all the money from the TSP, you cannot go back. Whil...
by tigermilk
Mon Feb 10, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 21296

Re: What is your most luxury/expensive hobby.

Music, live and recorded. We will be seeing at least 50 concerts this year, though fortunately some are free (world class music school less than 30 minutes away), and season tickets for 2 for the various companies are a bit north of $3k. Add in music streaming services (both audio and video services...
by tigermilk
Sat Feb 08, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: New to Roth TSP, mechanics of it?
Replies: 1
Views: 248

Re: New to Roth TSP, mechanics of it?

You will see the combined Roth and traditional on the default summary page. Click on "Account Balance by Contribution" and you get the breakdown as to how much is in Roth/traditional for each fund. No separate account, just all wrapped in one.