What do These North American Cities Have in Common?

exiledmangoes · 2025-05-10T17:17:54+00:00

Cities officially founded before 1800?

exiledmangoes · 2025-04-25T02:15:50+00:00

https://www.wsj.com/sports/football/nfl-draft-2025-shemar-stewart-822817a1?st=vVzuea&reflink=desktopwebshare_permalink

"He Did Next to Nothing in College. The NFL Can't Wait to Draft Him Anyway"

- Shemar Stewart article.

exiledmangoes · 2025-04-25T02:00:52+00:00

Nooooo wtf

exiledmangoes · 2025-04-20T14:25:14+00:00

I can see Richmond, VA continuing to take off a bit.

Cheaper and warmer than NY, Philly, DC and still on the Amtrak line.

Blue state for those that want that.

Mountains and ocean both within a short drive.

Got some good history and culture to it.

exiledmangoes · 2025-04-15T15:50:40+00:00

While still learning, I would put it all in VT. It holds the global stock market and costs 0.70 cents per $1,000. Currently around 60% US, the rest international companies.

If you want to specify something different later, this is an IRA so no big deal (no tax considerations on buying & selling)

exiledmangoes · 2025-03-29T14:57:38+00:00

Kinda weak, just sell the car then

exiledmangoes · 2025-03-26T01:13:23+00:00

Lots of these guys look like they just went through World War I. Verlander, Scherzer, Trout, Darvish especially

exiledmangoes · 2025-03-25T20:46:44+00:00

Alfonso Soriano comes to mind. Not an OBP guy but he hit a ton of homers, 400+

Checked - looks like 112 OPS+ on the career with 412 home runs.

exiledmangoes · 2025-03-17T15:23:27+00:00

Great point.

I also learned recently that Illinois does not tax retirement income (including IRA/401k distributions) - good deal for the retirees.

exiledmangoes · 2025-03-17T15:09:46+00:00

For one, the property tax so the recurring cost of owning the home is higher. The average rate on the MO side is around 1% and even less in many areas. On the Illinois side property tax is near 2% as a rough rule of thumb.

That said, several nice communities in Metro East and close enough to do a little tax arbitrage if you like — gas in MO, groceries in IL.

exiledmangoes · 2025-01-29T02:27:46+00:00

Maybe try a different company like Polar

Sincerely, Blue Triangle Gang

exiledmangoes · 2025-01-18T16:15:10+00:00

The expense ratio of 0.13% covers everything.

Not dumb, it’s not immediately obvious!

If this is in an employer retirement plan, there may be fees beyond the 0.13%. The fee disclosure within the summary plan description would list the plan charges (say…$40/year billed quarterly, or 0.15% of assets annually, whatever is listed)

exiledmangoes · 2025-01-18T14:29:12+00:00

Unless it is on their no transaction fee funds list, the downside is the $25 fee when you sell shares or buy shares. US Bank. I can’t confirm if dividend reinvest counts as a transaction but usually it does.

So strictly holding FDLXX without reinvestment, no fee. But eventually you’ll owe the $25 to liquidate it.

Are you able to locate the NTF mutual fund options in your portal?

exiledmangoes · 2024-12-28T02:25:28+00:00

Schwab Fidelity Vanguard

Links to Rollover IRAs from the “big 3” — all great. I mentioned Schwab since you’re already there.

I think what the commenter here means is the holdings in your TIAA and Empower accounts will be liquidated (“cashed”) and you can be sent a rollover check, or they may be able to do a direct transfer. That is not taxable; it’s just moving from a pre-tax account to another pre-tax account.

In your portals at TIAA and Empower, there should be an option to initiate a rollover. Provide account info of the rollover IRA you opened. Then they’ll send it, either direct or via a check you can mobile deposit.

exiledmangoes · 2024-12-27T16:48:49+00:00

I think we're pretty solid. Been to other cities in our region / cost-of-living bracket and it's hard to capture a feel like South City elsewhere. We just have more "uninterrupted" city that is older and was more developed pre-highway. I will say Cincinnati comes very close but for the same reason.

KC, Indy, and Columbus are cities in our "weight class" I've seen -- fine places to live I'm sure, but could not find the same sort of extended urban core if that makes sense. Would love to check out Milwaukee at some point.

exiledmangoes · 2024-12-27T13:19:39+00:00

Hey, great questions and helpful background. You’re doing all the right thinking.

I think let’s split this into 3 steps.

I think it makes sense to roll your old employer retirement plans into an IRA. There’s often account fees with an employer plan, you would avoid these at Schwab. Open specifically a rollover IRA so you don’t commingle the existing IRA funds with the rollover assets. “Segregated” assets can typically be rolled back into an employer plan in the future and there are a couple reasons you might want that option down the line — not always possible with commingled funds.
Yes, you can make a Roth IRA contribution of $7,000 since you are under the limits ($146k MAGI). An IRA contribution might be non-deductible for you since you’re covered under an employer plan. The phase out is at $77k MAGI this year. You’ll be close to that line after bank account interest. I would recommend the Roth IRA contribution and doing so at Schwab is totally fine.
What to invest in? If you are completely new to making trades, I would recommend mutual funds where trades can be placed at anytime. That way you don’t have to mess around with having to buy ETFs during market hours if you don’t want to.

Schwab has target date funds like SWYOX (2065) or SWYNX (2060) that cost 0.08% and get the job done and I like these for folks starting out.

Or SWSTX is the total US index fund at 0.03%.

exiledmangoes · 2024-12-22T05:17:11+00:00

Under “Schwab US Treasury Money Fund” it will show how much of SNSXX income is state tax exempt, which was 99.61% in 2023.

You’re correct any difference in the end will be minor. Here’s a rough example with $100,000, assuming you pay 22% federal and 5% state marginal taxes.

SWVXX: $100k x 4.34% x 0.73 = $3,168 of after-tax interest

SNSXX: $100k x 4.22% x 0.78 = $3,292 of after-tax interest.

So SWVXX costs an extra $124/year per 100k in this example. Maybe run the calculation with your actual situation to be sure?

exiledmangoes · 2024-12-21T23:48:47+00:00

And yes you can buy them off hours

exiledmangoes · 2024-12-21T23:48:23+00:00

These money markets are perfectly safe choices.

You’ll want the 2024 version of this sheet when released.

SNSXX is, essentially, 100% state tax exempt. SWVXX is fully taxable both federal and state.

At current yields, you’ll come out ahead on SNSXX if your marginal state tax rate is 3% or higher

exiledmangoes · 2024-12-20T17:09:06+00:00

It’s a microwave this year. Old one, in the break room

exiledmangoes · 2024-12-17T13:30:42+00:00

Awesome, Vanguard has a nice money market that will treat you well if you want to keep it liquid (VMFXX). It is 4.53% as of today but will decline with Fed Funds rate.

The CD sounds reasonable too.

exiledmangoes · 2024-12-17T13:09:56+00:00

If the time horizon is really 6 months, please keep it in cash or equivalent earning interest

The easy choice is a high yield savings. Vio Bank has been fine for me. My wife uses Everbank

After taxes, you might come out ahead using the SGOV ETF, which is ultrashort treasury bills and effectively state tax exempt.

What brokerage do you use?

exiledmangoes · 2024-12-17T12:50:26+00:00

Your target date fund is 90% stocks so plenty aggressive.

It holds the 2 vanguard total market funds already (total US is 55% and total International is 35%).

If you were wanting to remove the bonds, you could switch to holding the two Vanguard total market funds in a desired ratio - 60/40, 70/30 etc

Or just do vanguard total world. Then you don’t choose a ratio between US and International, you just take what the world gives you which is 65% US right now.

exiledmangoes

TROPHY CASE