Search found 154 matches

by mroe800
Mon Jun 01, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 121
Views: 20236

Re: Google sheets not pulling stock prices

I have a similar implementation of the BigCharts url, but I use a textjoin function across a range to dynamically add tickers as I input them inside that range. I then feed that value into a concat function to assemble the full URL that is being used in the importhtml call. You can cleanup the impor...
by mroe800
Mon May 25, 2020 11:00 pm
Forum: Investing - Theory, News & General
Topic: New Morningstar Target Date Fund Rankings
Replies: 17
Views: 1370

Re: New Morningstar Target Date Fund Rankings

Well, at least my other half has VFIAX and VSMAX available at retail ER!
by mroe800
Mon May 25, 2020 10:01 pm
Forum: Investing - Theory, News & General
Topic: New Morningstar Target Date Fund Rankings
Replies: 17
Views: 1370

Re: New Morningstar Target Date Fund Rankings

Morningstar obviously doesn’t use the same metrics that I would - cost, simplicity, and diversity. I shy away from funds that have more than a half-dozen components, ER’s > 0.20%, and don’t include total US, total international, total bond equivalents. My fiancée’s 401K plan only has TRP Target Dat...
by mroe800
Mon May 25, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: Fractional Investing
Replies: 22
Views: 1460

Re: Fractional Investing

I used it a couple of times at Fidelity for index ETFs. My experience is that the trade is split between the whole shares and the factional share that results with a higher price (not unexpected) for the fractional share part. If you want to be "fully invested" (no loose change or MMF in your accou...
by mroe800
Mon May 11, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490371

Re: U.S. stocks continue to soar!

fatcoffeedrinker wrote:
Sun May 10, 2020 11:23 pm
S&P futures up 0.75%! The soaring continues!
-1.25% as of now.
by mroe800
Fri May 01, 2020 12:12 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11188

Re: Poor Publix employee seeking 401k investment advice

Figure out where the nearest Schwab or Fidelity branch is, and open an account there. I would go with whoever is most convenient to where you live and work. As them how you can gradually move your RJ account over to an IRA Continue to move money to the IRA in 2021, 2022 until the RJ money gets move...
by mroe800
Thu Apr 30, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 322734

Re: Best watch for around $5,000?

Thread title should probably be updated for inflation and the bubble in the Rolex luxury watch space.

Best watch for around $10K anyone?
by mroe800
Thu Apr 30, 2020 1:18 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 322734

Re: Best watch for around $5,000?

Even more than the soar thread, you know things are going well when the watch thread gets bumped. I came here to express the same sentiment. I added another luxury watch to the stable in the meantime. I get as much enjoyment from researching watches as I do from buying or wearing one. I'm 80% sure ...
by mroe800
Tue Apr 28, 2020 11:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490371

Re: U.S. stocks continue to soar!

Pretty simple to skip it. You just don't push the button. Threads devoted to daily market ups and downs are anti-Boglehead :) There are lots of anti-Boglehead threads/posts here lately. Contrarian views offer debates and things to talk about. If everyone set a 3 fund portfolio up and didn't peek th...
by mroe800
Tue Apr 28, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: SS as part of Asset Allocation?
Replies: 41
Views: 2032

Re: SS as part of Asset Allocation?

You want to count on SS?
by mroe800
Sat Apr 25, 2020 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Expert Consultant: $110 / hr??
Replies: 70
Views: 6433

Re: Expert Consultant: $110 / hr??

The rate we budget for expert consultants is $250/hr.
by mroe800
Sat Apr 25, 2020 1:46 am
Forum: Personal Investments
Topic: In plan Roth conversion vs mega backdoor Roth ?
Replies: 20
Views: 1015

Re: In plan Roth conversion vs mega backdoor Roth ?

Repeating what a other poster said: If IRRs are unlimited and fee-less then do them every paycheck to limit taxable earnings. Assuming the preceding is true - if you find plan options limited or high cost, perform the in-service withdrawal once a year to move to Roth and invest wherever/whatever you...
by mroe800
Sat Apr 25, 2020 1:38 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11188

Re: Poor Publix employee seeking 401k investment advice

I have like $16,000 in my checking account. Wow, you've done a great job so far! With this much money in a checking account, do you know the interest rate? Seriously. My fiancée makes multiples of OPs salary and can’t put together this much in cash. OP seems to have a handle on things - has a goal/...
by mroe800
Thu Apr 23, 2020 7:54 pm
Forum: Personal Investments
Topic: TIRA to 401K conversion within Vanguard
Replies: 14
Views: 524

Re: TIRA to 401K conversion within Vanguard

Following are my funds expense ratios in VG; 1) VTTVX Target 2025 - 0.13% 2) VFIAX 500 Index - 0.04% 3) VIGAX Growth Index - 0.05% 4) VIMAX MidCap Index - 0.04% My 401(k) funds with Fidelity is in Vanguard Target 2025 with an expense ratio of 0.06% ! Since the tIRA is pre-tax, you may want to conve...
by mroe800
Wed Apr 22, 2020 1:51 pm
Forum: Investing - Theory, News & General
Topic: How are expenses (E/R) paid from 401k (TSP)
Replies: 6
Views: 234

Re: How are expenses (E/R) paid from 401k (TSP)

^ER is invisible to you until you compare the investment vehicle vs its holdings. This is easy with indexed mutual funds - the ER will typically show up as tracking error vs the index.
by mroe800
Wed Apr 22, 2020 12:41 am
Forum: Investing - Theory, News & General
Topic: Should I move during a pandemic for higher pay?
Replies: 12
Views: 1042

Re: Should I move during a pandemic for higher pay?

Watty wrote:
Wed Apr 22, 2020 12:20 am
inn_vest wrote:
Wed Apr 22, 2020 12:05 am
...wife not working with a fairly stable job at a medium sized company.
What does that mean?

One big question about moving is what it would mean for your wife's income and career.
I presume he missed a comma and is gainfully employed at a medium-sized company whilst his wife does not work.
by mroe800
Sun Apr 19, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: Neiman Marcus to file for bankruptcy
Replies: 67
Views: 6852

Re: Neiman Marcus to file for bankruptcy

So when will the Canali and Zegna go on real sale? Could use a few more blazers.
by mroe800
Sat Apr 18, 2020 8:44 pm
Forum: Personal Investments
Topic: After 401K and Traditional IRA max?
Replies: 11
Views: 748

Re: After 401K and Traditional IRA max?

Sounds like you're doing great. My preference is to add to the after-tax 401k, even if you don't expedite the mega-backdoor roth process, just getting the money into the account gives you more options than if you didn't put it in. There might be some exception if your 401k is especially bad (high f...
by mroe800
Sat Apr 18, 2020 2:29 am
Forum: Personal Investments
Topic: After 401K and Traditional IRA max?
Replies: 11
Views: 748

Re: After 401K and Traditional IRA max?

MBR if it's available in your plan though and how it becomes available to you to backdoor and whether or not there's a taxable event due to tIRA are all factors. First thing is to check whether your 401K plan offers after-tax contributions. Next check whether or not it offers in-plan Roth rollover/c...
by mroe800
Sat Apr 18, 2020 2:25 am
Forum: Personal Investments
Topic: Any attractive sign up bonuses for CDs/Savings?
Replies: 5
Views: 1093

Re: Any attractive sign up bonuses for CDs/Savings?

See if DOC's got anything that meets your fancy: https://www.doctorofcredit.com/best-ban ... nt-bonuses

I rake in at least $2K/year in bank bonuses.
by mroe800
Thu Apr 16, 2020 12:35 am
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 252
Views: 16639

Re: Gold $1600 Oz - When?

camillus wrote:
Wed Apr 15, 2020 5:44 pm
Sold a single krugerrand two days ago for $1712.
Private sale I assume? I’d have to check, but suspect our local dealers are shuttered due to SIP orders for non-essentials.
by mroe800
Tue Apr 14, 2020 11:29 pm
Forum: Investing - Theory, News & General
Topic: Short term TIPS
Replies: 7
Views: 743

Re: Short term TIPS

Dottie57 wrote:
Tue Apr 14, 2020 9:57 pm
Check duration of the ETF. Maybe short term is 5 yrs. Another thought - maybe it has lots of bonds with maturity date within a year or so. These are my guesses.
VTIP average duration is under 3 years.
by mroe800
Mon Apr 13, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Nuances on Mega Backdoor Roth IRA
Replies: 2
Views: 186

Re: Nuances on Mega Backdoor Roth IRA

Hello all, I’ve been thinking about the Mega Backdoor Roth IRA a lot lately because my workplace is trying to set up a 401k plan that permits it. I was trying to explain the Mega Backdoor Roth IRA to a couple of friends who might be in a position to take advantage of it. When answering their questi...
by mroe800
Thu Apr 09, 2020 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490371

Re: U.S. stocks continue to soar!

As a public service announcement, I initiated a transfer of my Roth 401k assets at Vanguard yesterday. These were 100% in S&P500. Funds should have been sold today at close. The transfer check will come in 7 to 10 business days, at which point I will deposit it to my Roth IRA. Every single time I h...
by mroe800
Wed Apr 08, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16351

Re: What percentage of your paycheck do you invest?

23% of gross into tax advantaged space and another ~10% of gross into taxable brokerage.

My megacorp plan allows for MBR, but due to some really strangely worded paragraphs apparently I and my money are not eligible and I doubt I’ll be here long enough to become eligible.
by mroe800
Wed Apr 08, 2020 11:36 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118373

Re: [Fidelity Health Savings Account Mega-Thread]

You need minimum $500K Vanguard assets to begin seeing lower cost trades on TF funds: https://investor.vanguard.com/investing ... tual-funds
by mroe800
Mon Apr 06, 2020 12:43 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4970
Views: 431532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Trying to calculate the current % of UPRO and TMF and buying in that allocation just takes more work IMO. It’s actually fairly simple, I have this automated in a spreadsheet with helpful pie charts too. Does this mean that this is how you invest on a monthly basis? Trying to figure out how this com...
by mroe800
Sun Apr 05, 2020 6:49 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4970
Views: 431532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Dovahkiin wrote:
Sat Apr 04, 2020 10:00 pm
Trying to calculate the current % of UPRO and TMF and buying in that allocation just takes more work IMO.
It’s actually fairly simple, I have this automated in a spreadsheet with helpful pie charts too.
by mroe800
Fri Apr 03, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10301

Re: Are your personal expenses down during stay home and shelter?

Groceries are more expensive as we’re getting them a) more often; and b) typically delivered. Otherwise expenses are down due to much less delivery/take-out food (starting 0 take out now) and no commute (previously ~$700/month).
by mroe800
Fri Mar 27, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: Will the Dow ever see 29500 again?
Replies: 86
Views: 8669

Re: Will the Dow ever see 29500 again?

jasperhobbs wrote:
Fri Mar 27, 2020 9:06 am
Bovine anger management classes calmed mad cow disease and chicken noodle soup fed to pigs eradicated the swine flu. Something will be found for this virus.
Masterclass post right here folks.
by mroe800
Fri Mar 27, 2020 1:46 am
Forum: Personal Finance (Not Investing)
Topic: MBA Worth It?
Replies: 88
Views: 5847

Re: MBA Worth It?

JDonaghy wrote:
Thu Mar 26, 2020 6:45 pm
Consulting is a grind, and after 2 years many people are looking for the exits, burned out from editing PPT late into the night.
:annoyed :annoyed Every night.
by mroe800
Fri Mar 27, 2020 12:41 am
Forum: Investing - Theory, News & General
Topic: Will the Dow ever see 29500 again?
Replies: 86
Views: 8669

Re: Will the Dow ever see 29500 again?

justsomeguy2018 wrote:
Sun Mar 22, 2020 8:28 pm
And if so, how long til we get back to the peak? Seems like if it keeps dropping significantly the harder it will be to get back to peqk levels. 10 years?
At this week’s pace? By mid second week of April.
by mroe800
Fri Mar 27, 2020 12:26 am
Forum: Investing - Theory, News & General
Topic: There Is No Gold
Replies: 160
Views: 12271

Re: There Is No Gold

Silver is about to sky-rocket and I'm going all in on it. Not only is it another precious metal that, along with gold and cigarettes, will serve as a post-apocalyptic currency, it also has these amazing anti-microbial properties i"m always hearing about. Given the cause of the current crisis I thin...
by mroe800
Wed Mar 25, 2020 11:39 pm
Forum: Investing - Theory, News & General
Topic: There Is No Gold
Replies: 160
Views: 12271

Re: There Is No Gold

Premiums are far above 10% at this point.
by mroe800
Wed Mar 25, 2020 11:20 pm
Forum: Investing - Theory, News & General
Topic: There Is No Gold
Replies: 160
Views: 12271

Re: There Is No Gold

watchnerd wrote:
Wed Mar 25, 2020 11:18 pm
luckyducky99 wrote:
Wed Mar 25, 2020 10:21 pm
The zombie-apocalypse goldbugs don't want to buy useless promises written on paper.

They want the real deal, and they're willing to pay for it.
Fascinating.
The common saying in those circles is “if you can’t hold it, you don’t own it” or something similar.
by mroe800
Wed Mar 25, 2020 1:24 am
Forum: Investing - Theory, News & General
Topic: Chinese Stocks during the COVID-19 Pandemic
Replies: 95
Views: 8245

Re: Chinese Stocks during the COVID-19 Pandemic

Curious if any of the China haters here are now going to pull out of the US markets now that the Fed is going to directly buy up corporate securities. No? Why not? Isn’t this clear government manipulation of the markets? It is. But there has always been government manipulation in the markets since ...
by mroe800
Wed Mar 25, 2020 12:23 am
Forum: Personal Consumer Issues
Topic: Traffic Ticket - Offer to reduce points for Increase Fine
Replies: 25
Views: 1716

Re: Traffic Ticket - Offer to reduce points for Increase Fine

For $40? Yes, I’d pay $40 over any amount of points. $500+? I’d have to think about it vs my presumable insurance premium increase.
by mroe800
Tue Mar 24, 2020 11:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633332

Re: U.S. stocks in free fall

Do futures represent anything other than what the market will open at tomorrow? Why should I care about futures? If you are a strict buy and hold investor I don't know why you would spend time watching he futures. Over the last 10 years I've rarely checked what the market's doing on a daily or week...
by mroe800
Mon Mar 23, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: anyone accelerating their 401/457/403 contributions in next X weeks/months?
Replies: 27
Views: 1448

Re: anyone accelerating their 401/457/403 contributions in next X weeks/months?

Any decent online portal should have the summary plan description available for review. You could have received a copy when you enrolled in the plan originally as well. Additionally, your benefits department will be able to either direct you to or furnish a copy as well.
by mroe800
Mon Mar 23, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31221

Re: It's Not Different This Time

2. Factor increased media. Everywhere. Including this forum. - I hope to see the same media frenzy work the other way. On the way back up. Yeah! Without those TV news I wouldn't have even noticed that people are forced to stay home and airlines have stopped most flights. 3. This is bad. But perspec...
by mroe800
Mon Mar 23, 2020 3:38 am
Forum: Investing - Theory, News & General
Topic: anyone accelerating their 401/457/403 contributions in next X weeks/months?
Replies: 27
Views: 1448

Re: anyone accelerating their 401/457/403 contributions in next X weeks/months?

Similar to others keeping it as-is, to get match throughout the year. How can you find out if your company matches throughout the year or if they match on your full amount, no matter when you put it into your 401K? Summary plan description document. If you can’t find there contact the plan administ...
by mroe800
Mon Mar 23, 2020 12:58 am
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 13236

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

If America gets back to work the bleeding in the market might stop but if the shutdown is extended another 15 days the bleeding continues. There's no way the shutdown will end in two weeks. Precisely. With what little we already know, my company has already told us stay home until May. And working ...
by mroe800
Sun Mar 22, 2020 11:58 pm
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 13236

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

willthrill81 wrote:
Sun Mar 22, 2020 10:36 pm
Jim180 wrote:
Sun Mar 22, 2020 8:53 pm
If America gets back to work the bleeding in the market might stop but if the shutdown is extended another 15 days the bleeding continues.
There's no way the shutdown will end in two weeks.
Precisely. With what little we already know, my company has already told us stay home until May.
by mroe800
Sun Mar 22, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: Physical silver price decoupled from spot price
Replies: 32
Views: 2157

Re: Physical silver price decoupled from spot price

I understand how premiums work and it /would/ be stupid to buy Eagles/other coins are a $10-12 premium, but it remains that there are volume delays and stock problems at all dealers including huge national dealers like APMEX. I wouldn’t buy Eagles at $14, but at least online I’m not seeing reasonab...
by mroe800
Sun Mar 22, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Physical silver price decoupled from spot price
Replies: 32
Views: 2157

Re: Physical silver price decoupled from spot price

Who is actually buying these Silver coins at 22-24 ounce? Cheers Must be a lot of folks because smaller bullion dealers I’m aware of are currently running low or entirely out of stock with multi-day delays on in stock items and ~1 month on back orders that they have locked in inventory of. Only idi...
by mroe800
Sun Mar 22, 2020 2:33 am
Forum: Investing - Theory, News & General
Topic: Physical silver price decoupled from spot price
Replies: 32
Views: 2157

Re: Physical silver price decoupled from spot price

Silk McCue wrote:
Sat Mar 21, 2020 7:50 pm
Who is actually buying these Silver coins at 22-24 ounce?

Cheers
Must be a lot of folks because smaller bullion dealers I’m aware of are currently running low or entirely out of stock with multi-day delays on in stock items and ~1 month on back orders that they have locked in inventory of.
by mroe800
Fri Mar 20, 2020 10:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Digital Advisor appears to be live
Replies: 9
Views: 1474

Re: Vanguard Digital Advisor appears to be live

**Actual costs may vary. Vanguard Digital Advisor charges a 0.20% annual gross advisory fee to manage Vanguard Brokerage Accounts. However, we'll credit you for the revenues that The Vanguard Group, Inc. ("VGI"), or its affiliates receive from the securities in your managed portfolio (i.e., at leas...
by mroe800
Thu Mar 19, 2020 9:04 pm
Forum: Investing - Theory, News & General
Topic: Does anyone else think this is a once in a lifetime opportunity to buy treasuries?
Replies: 68
Views: 8447

Re: Does anyone else think this is a once in a lifetime opportunity to buy treasuries?

It’s not the two month shutdown though is it? It’s the n month shutdown, oil shock, possible credit crisis due to defaults from the oil shock, and record unemployment from collapsed businesses that we’re worried about, right?
by mroe800
Thu Mar 19, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4970
Views: 431532

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I deleveraged today, switched from UPRO/TMF to UPRO/EDV. I believe the performance of UPRO can overcome the volatility drag, but I don't believe TMF can do so. Considering this myself, but has anyone though about switching to TQQQ/EDV? Basically betting that tech will come faster and stronger than ...