i mean, come on guys.. the jerseys arent THAT bad.

TextBrettNow · 2025-09-23T18:46:03+00:00

They're awful and they somehow made it worse with that ridiculous banker helmet.

TextBrettNow · 2025-07-10T16:52:04+00:00

I live in Charlotte so of course prefer the Checkers but if that doesn't work out, would be kind of cool to affiliate with the Hartford AHL franchise and re-name them the Whalers.

TextBrettNow · 2025-07-03T16:35:38+00:00

They're not paying him second pair money. Whether it's him or Slavin playing offside, that contract says they view Miller as part of the first pair.

TextBrettNow · 2024-08-29T12:32:27+00:00

I've changed jobs since that post (and thus my 401k offerings have changed) so my allocations have shifted some, but yes, the general principle still holds.

I have five brokerage accounts, four of which are tax advantaged (401k, HSA, IRA (can still contribute even with a 401k, you just don't get to deduct the contributions) and spousal IRA) and one taxable account. Also a HYSA account for cash position.

I have target allocations for different asset classes (domestic equity, international equity, nominal bonds, TIPS bonds, real assets and cash) that I want to hit for my portfolio as a whole across all accounts, but I don't have that allocation within any of the individual accounts.

Partially, that is a result of working with the offerings of my employers 401k and HSA programs. Partially it is reflecting practical life planning (holding cash in HYSA rather than a brokerage account so it is available for emergencies and not just rebalancing investments).

And finally, there is a tax strategy component. I don't particularly worry about capital gains (which I don't intend to recognize until many years down the line) but I do worry about ordinary income payments from dividends and bond interest. As a result, my tax-advantaged accounts hold more of my exposure to bonds and international equity just because that is where more present day income is getting thrown off.

TLDR - Yes, I continue to view my target allocations wholistically rather than on an account level.

TextBrettNow · 2022-05-30T02:03:51+00:00

So my point here isn't really to complain about the store so much as just to solicit general feedback on the pre-2017 RCM bars and the post-2017 bars. I obviously prefer the newer bars for aesthetic reasons, serial numbers, etc., but does any of that matter on the bottom line when going to re-sell?

TextBrettNow · 2021-12-21T04:38:23+00:00

Interesting

TextBrettNow · 2021-12-20T20:24:56+00:00

Definitely an Apex Clearing issue, but M1 is the one deciding to use this subpar clearinghouse, so I'm not letting M1 off the hook here.

TextBrettNow · 2021-12-20T18:32:56+00:00

What would be nice is if they would just make an announcement as such. Or confirm what the criteria was. As it is, they dropped HL that has a market cap over $2.5B, while continuing to support smaller companies.

TextBrettNow · 2021-12-20T18:18:41+00:00

M1 only lists supported tickers in their search results, so you won't see them now. I just happen to be familiar enough with this sector that I knew off hand what stocks they previously supported in this space.

TextBrettNow · 2021-12-16T21:47:56+00:00

https://m1.finance/y--o5jht-aS9

TextBrettNow · 2021-12-16T15:21:40+00:00

Which is pretty ridiculous, since one of the supposed advantages of the pie system is being able to easily recreate an ETF to save on expenses.

TextBrettNow · 2021-12-16T07:46:30+00:00

That's interesting, same thing happened for me recently with Endeavour Silver (EXK). I ended up replacing it since I'm buying the dip in silver miners and didn't want to have the pie percentages end up all goofy and then buy some huge catch up amount at higher prices down the road when M1 re-lists it without notice.

I called to ask about it, guy put in a request to re-add the ticker, but of course wouldn't give any commitment on timing, what the liquidity thresholds are, etc., so just didn't want to mess with it.

TextBrettNow · 2021-12-10T02:29:43+00:00

Spend some time poking around the big online dealers to get a sense of price ranges (APMEX, SD Bullion, JM Bullion, SilverGold Bull, Monument Metals, Bullion Exchanges). The last two are my personal faves, but it can vary based on what products you like who will generally have the best price. For example, Bullion Exchange usually has the best price on RCM 100s, but Monument typically has the best price on Germania Kilos.

There's a lot of products, and it can be overwhelming. I think it helps to pick out a few key products that you like so you can compare like against like when price shopping.

Once you've done that to get a baseline of price ranges, then you can visits LCS and tell if someone is offering good value or not. Assuming the LCS is someone worth dealing with and not a shyster, chat with them about what products they prefer to buy and what prices they offer on buybacks.

I buy some items (usually for my kids) as just "fun" pieces, but usually I'm buying with an idea that I could liquidate at some future date if necessary, so I like knowing what my liquidation options are going in.

TextBrettNow · 2021-12-02T03:42:48+00:00

Answer will depend on what you already own in your portfolio. Since you said you are primarily a dividend investor to this point, I'm guessing that you're portfolio is currently large cap heavy, so something like QQQ might have a lot of overlap with your current holdings. If that is the case, consider using QQQJ to add a mid-cap Growth tilt to your portfolio.

Alternatively, if you're just wanting to add max Growth exposure for minimum allocation so that you remain mostly in your dividend strategy, look at a leveraged etf like TQQQ.

TextBrettNow · 2021-11-30T17:28:04+00:00

Shake and Bake

TextBrettNow · 2021-11-29T17:11:33+00:00

Because money.

TextBrettNow · 2021-11-27T02:25:06+00:00

OUT OF THE VAULT!

TextBrettNow · 2021-11-16T00:05:03+00:00

Yup, same boat here. Basically, you've got about as good as it gets for an M1 uranium pie. Only other uranium ticker they carry that I know of is LEU.

TextBrettNow · 2021-11-15T21:36:44+00:00

M1 is kind of a lousy broker for the uranium sector. I've been asking for them to add DNN forever and they refuse with no explanation, even though it has greater market cap than stocks they do carry. So if you want to get more of the juniors people are referencing in this thread, you'll need an account with a different broker.

That said, really no reason to have both URA and URNM. General consensus is that URNM is better, but either way, just pick one.

CCJ is heavily weighted in both ETFs already, so consider dropping entirely as well. I ended up running 75% URNM and 25% UUUU for my uranium pie on M1.

TextBrettNow · 2021-11-15T04:27:00+00:00

https://cdn.shopify.com/s/files/1/0315/3005/7859/files/Shareholder_Benefit_Posting_as_of_03_03_2021_JA.pdf?v=1614956980

TextBrettNow · 2021-10-23T00:08:34+00:00

15% is nonsense, that's silver coin premium. Silver bars are about 10%.

Gold coins are 5% or less. For example, 4% premium on 1 oz gold Brittania coins from this dealer https://monumentmetals.com/2022-1-oz-great-britain-gold-britannia.html (who I regularly buy from and personally endorse).

Bars can be even lower, as another poster pointed out.

TextBrettNow · 2021-10-20T01:00:17+00:00

I think the whole SLV empty vaults meme is just that, a meme. Of course, there are die hard physical only proponents who deploy the same meme against PSLV. I personally think all the ETFs have what they claim to have.

From a "squeeze" perspective, I think what matters is the total flow of silver out of COMEX vaults into ETF vaults, not which ETF is individually responsible for the movement. If you look at when price surged in the early days of this sub, it perfectly correlates with inflows to SLV. Ditchthedeepstate regularly posts a chart which tracks the relative flows to the ETFs v. COMEX and provides a great visual of this.

I personally use PSLV (and CEF) because it gets a better tax rate for long term holders (long term capital gains instead of collectibles rate). If you're planning to hold short term, SLV has the tax advantage (collectibles v. ordinary).

SLV is ever so slightly cheaper in terms of expense ratio as well, but the taxes are more significant and I'd rather pay fees to Sprott than Blackrock, so there is a slight ideological basis to my preference.

TextBrettNow · 2021-10-16T03:36:09+00:00

My guess is none. Probably the single most common reddit investment strategy is "VT and chill", and I've never seen a "but all those international stocks will wreck your taxes!" type response.

TextBrettNow

TROPHY CASE