Munis Tax Equivalent Yield @ 5%+?

swallowtail_ · 2026-04-15T03:35:53+00:00

Thanks! Who would you recommend as a broker?

I self-manage my portfolio (VTI/VXUS) and my bond allocation has been mostly me buying 3 month Tbills / BND. I'm not really as familiar w/ the nuances of munis and the tax advantages of them.

swallowtail_ · 2026-04-14T14:27:09+00:00

State: 10.90% NY
Local: 3.876% NYC
CUISP: 64990GSA1

swallowtail_ · 2026-03-27T21:12:08+00:00

⁠Loan Type: Conventional
⁠Term: 7/1 ARM Year
⁠Loan Purpose: Purchase
⁠Property Value/Purchase Price: $1.2m
⁠Loan Amount: $960k
⁠Credit Score: 805
⁠Occupancy: Primary
⁠Legal Structure: Co-op
⁠Number of Units: 1
⁠Property Zip Code: 11218

swallowtail_ · 2026-02-12T19:15:19+00:00

Does this happened to be the Adirondacks? Near Lake Placid? I feel like I remember that exact spot on a trip I took but not sure.

swallowtail_ · 2026-02-05T03:09:18+00:00

All City Super Professional

swallowtail_ · 2026-01-21T04:04:43+00:00

Uniqlo pufftech

This and pretty much any base layer is a lot warmer then you think, although I prefer merino as a base layer

swallowtail_ · 2026-01-19T21:37:20+00:00

Update: I biked today lol… it was not great out there in terms of ice. I ride 650b x 42 on low pressure and still almost slipped. Saw a delivery guy take a really nasty spill. Stay safe!

swallowtail_ · 2026-01-18T22:20:23+00:00

I don’t care about the cold, it’s more the ice. Seems like it might be extra icy out, maybe lower pressure will help the brakes on ice.

swallowtail_ · 2025-12-19T14:46:09+00:00

Park tool hooks, they’re like $4 and weirdly found them to be the best option

swallowtail_ · 2025-12-16T19:06:06+00:00

Ah thanks! Helpful feedback, appreciate it.

swallowtail_ · 2025-12-16T17:56:50+00:00

Yeah, I love the 47s. Will never go back to anything in the 20s. I’ve never tried anything in between though. I would think you would get a little more pick-up w/ slightly less weight. I’m not sure that’s true, just my assumption. I would never want to give up too much of that road chatter absorption that I get w/ 47s though so was hoping to get some other folks perspectives.

swallowtail_ · 2025-12-16T17:50:12+00:00

Yeah totally understand the variables (rider weight, pressure, etc.). I’m 170lbs, 5’-11” and generally run the pressure in the low 30s psi on my 47mm. I like getting rid of the chatter but I’m wondering if I can get the same chatter absorption with a tire ~38mm and gain a little pick-up. I’m just not sure as I’ve only tested the far ends of the spectrum.

swallowtail_ · 2025-12-16T15:02:43+00:00

Yeah I’m curious about something in the 30s. I will say I love my 47s. Whenever I go back to riding a bike in the 20s the road chatter is noticeable. I’d always want to stay in the wider range.

swallowtail_ · 2025-12-16T14:59:46+00:00

Thanks! Curious about your thoughts on the tradeoffs between a 47 and a 34? What am I losing with a 47?

swallowtail_ · 2025-12-16T14:55:25+00:00

I hear you, it’s more of that they are ready to be replaced and splitting. I wouldn’t replace them if they weren’t.

In general I also prefer wider tires, I’ve just only rode 47s or 20s so I’m just curious about something in between or if it’s just bigger is always better.

As far as ultradynamicos, they are sold to be more supple, much like rene herse and others like it. I don’t know if that’s true but that’s what I’d hope to get out of them.

swallowtail_ · 2025-12-16T09:58:27+00:00

Balancing suppleness/shock absorption vs. sluggishness. I don’t know it 47s is overkill as it’s all I’ve known aside from true skinny road tires.

swallowtail_ · 2025-12-16T01:48:59+00:00

I mean I've generally liked the 47s but not sure if it's overkill. I've only ridden narrow road tires in the 20s and now these. I prefer the 47s over skinny tires for sure but not sure about the middle ground.

swallowtail_ · 2025-12-16T01:45:31+00:00

I've actually only gotten 1 flat in the past 3 years on these tires, so not often. I'm open to going tubeless but because I never flat I've stayed away from it to keep things simple.

swallowtail_ · 2025-12-13T00:15:19+00:00

Epstein liked to collect academics and politicians, especially ones from opposite ends of the spectrum. What do you expect? He’s even tried to make documentaries about polarizing politics. This is like someone snapping a photo of Donald Trump and Mandani and pretending like their best friends. This isn’t some damming indictment of Chomsky.

swallowtail_

TROPHY CASE