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TX_Tiger23

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Favorite team:LSU 
Location:Seabrook, Texas
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Number of Posts:112
Registered on:8/5/2013
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re: Seeking steer on tax exempt municipal bonds for lowering RMD strategy

Posted by TX_Tiger23 on 1/17/26 at 6:12 pm to Everyday Is Saturday
You said parking retirement lump sum in muni’s. Are you meaning parking your qualified pension lump sum into tax-free muni’s? If that’s the case then you wouldn’t invest a qualified account in tax-free muni’s. But I’m thinking you know this and maybe I just misunderstood.

The sweet spot on the muni yield curve is at 12+ years right now. And while I wouldn’t always recommend active for equities, you can benefit with an active manager in the fixed income sectors. Also, don’t get stuck on Vanguard for fixed income.

Fidelity has some good bond ETFs along with PIMCO. Also, Eaton Vance does a good job with international fixed income.

Just remember there are just 2 types of risk with fixed income: interest rate risk (duration) and credit risk (credit rating of issuers).

And it’s good you’re aware of IRMAA and you’re in the sweet spot for Roth conversions. Just don’t forget about the 2 year look back for IRMAA.
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re: Right side of my body weaker than left side...

Posted by TX_Tiger23 on 1/17/26 at 8:47 am to Eatem up
Check for spine curvature (scoliosis). I have this and I’m definitely “stronger” on right side.
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re: How bad is your energy drink/caffeine habit?

Posted by TX_Tiger23 on 1/14/26 at 10:52 pm to Loup
It tastes awesome if you mix/melt the butter good.
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re: How to invest $100k

Posted by TX_Tiger23 on 11/29/25 at 3:01 pm to KWL85
Yes, I’ve purchased a few different cryptocurrencies.
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re: How to invest $100k

Posted by TX_Tiger23 on 11/29/25 at 1:17 pm to KWL85
Why get into Bitcoin and pay a management fee thru an ETF? Just buy Bitcoin. And the bucket strategy is not intermediate, long term and “play” term. If you want beta for a 9-12 month time frame then do what you’re saying but it’s pure speculation “gambling.”

Also, for your other buckets the S&P and Russell are fine but there also international and emerging markets.
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re: Balloon note

Posted by TX_Tiger23 on 10/21/25 at 11:32 am to tigger4ever
You can always pay it off early or refi should rates drop significantly. However, as others have said, I wouldn’t finance for a year hoping for rates to be a little lower.
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re: Balloon note

Posted by TX_Tiger23 on 10/20/25 at 7:54 pm to tigger4ever
Yes. It just means if you haven’t paid it off at 7 years you’ll need to refi. Just make sure you talk to a few lenders.
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re: Need a good recipe for homemade salsa...

Posted by TX_Tiger23 on 10/20/25 at 7:44 pm to tiggerfan02 2021
You would want to roast it to get the skin off because it’s tough if not. And I just think there are better uses for poblanos. I’d much rather have them stuffed or make a poblano cream sauce over chicken. It’s kind of the same reason I wouldn’t use a bell pepper in salsa.
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re: Need a good recipe for homemade salsa...

Posted by TX_Tiger23 on 10/19/25 at 8:40 pm to tiggerfan02 2021
Best suggestion is don’t use the poblano in salsa.
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re: What to do with cottage cheese

Posted by TX_Tiger23 on 10/19/25 at 8:34 pm to Bamafig
Eat it. Salt, black pepper. That easy.
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re: BRK.B as a contrary performer?

Posted by TX_Tiger23 on 10/16/25 at 6:33 pm to Hitman67
Ahh…didn’t realize it was now the “rule” to only own AI stocks. Nice rule…till it isn’t.
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re: BRK.B as a contrary performer?

Posted by TX_Tiger23 on 10/15/25 at 6:37 pm to Hitman67
Check out financials for the last 3 years. Check out ABBV…there’s been plenty of good, non-AI stocks.
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re: Hedging for beginners

Posted by TX_Tiger23 on 10/14/25 at 5:57 pm to JfromZ
Wouldn’t recommend hedging for long term investing. Figure out your aggressive allocation and a conservative allocation. If you get worried go to your conservative allocation. Meaning if you’re a 30y old and are 100% equities and you get nervous then just go 80/20. Never try to fully time the market but changing your allocation is ok. That way if you’re wrong and markets keep rallying you’re still participating. If you’re right then you reduced your risk and won’t be down as much.
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re: Downtown Houston Dinner Recs

Posted by TX_Tiger23 on 9/13/25 at 5:07 pm to MAROON
Need to try Viola & Agnes gumbo…in Seabrook area but worth the drive.
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re: Best Hotels in NO

Posted by TX_Tiger23 on 9/11/25 at 6:30 pm to MisslePig
Four Seasons
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re: With the ADP report in does the feds lower rates

Posted by TX_Tiger23 on 9/6/25 at 1:27 pm to Shepherd88
The 10yr yield came down over 20bps this week after some of the economic news. If the economy starts to slow you can expect yields will continue to fall.

Also, LIBOR no longer exists. It’s been replaced by SOFR.
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re: Rate cut time!!!

Posted by TX_Tiger23 on 9/6/25 at 1:22 pm to HagaDaga
Good question. When the Fed lowers rates it doesn’t directly affect mortgage rates. Mortgage rates more closely follow the 10yr Treasury note which is a market driven yield.
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re: BBQ Trip to Austin

Posted by TX_Tiger23 on 9/4/25 at 10:36 pm to daeizbae
If you’re going to Austin for BBQ then I would say leave Austin immediately. Austin can be a good spot to stay to visit BBQ places but that’s about it. Lockhart, Dripping Springs and many other locations are for BBQ. There are some BBQ places in Austin but the majority of places to visit are more on the outskirts.
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re: Downtown Houston Dinner Recs

Posted by TX_Tiger23 on 9/4/25 at 10:27 pm to tlsu15
Please don’t go to Biggio’s for a work function unless you’re taking shots. Bludorn, Josephine’s or Rustic if you’re trying to be casual. Biggio’s is great for what it is…pre Astros game.
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re: 401k allocation question

Posted by TX_Tiger23 on 9/4/25 at 6:25 am to 98eagle
Definitely agree with converting after-tax bucket within a 401k. I was actually referring to a regular, taxable investment account as well as qualified accounts.
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re: 401k allocation question

Posted by TX_Tiger23 on 9/3/25 at 9:07 pm to MSG
U.S. debt is over $37 trillion and growing. Hedge tax risk by having assets in pre-tax, Roth and after-tax assets.
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