Search found 29 matches

by jasonrecite25
Tue Sep 26, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4457

Re: Memory Foam Mattress Recomendations

We have used traditional mattresses, then have gone through a Tempurpedic, Leesa, and Zinus. HIGHLY recommend the 12inch Zinus mattress. Unbeatable for the price. Was more comfortable than the Tempurpedic or the Leesa and was 1/3 the price of the Leesa. Watch the prices on Amazon as I once saw the 1...
by jasonrecite25
Fri Sep 01, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Brother Pick 401k Funds
Replies: 6
Views: 408

Re: Helping Brother Pick 401k Funds

Hi all, wanted to get your input on the best 401k fund selections for my brother. He is aiming for an 80/20 asset allocation (30% INTL) and is 35 years old. No other investments outside of his 401k. I was hoping to find a auto-rebalancing lifestrategy style fund, but doesn't look like he has any to...
by jasonrecite25
Fri Sep 01, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Brother Pick 401k Funds
Replies: 6
Views: 408

Re: Helping Brother Pick 401k Funds

Hello. Yes, your suggested allocation sounds good to me. Does your brother want international exposure in both developed and emerging markets? If so, I would suggest switching out VDIPX for VTSNX. Has your brother thought about also investing in a IRA? Even if his MAGI is greater then the Roth IRA ...
by jasonrecite25
Fri Sep 01, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Brother Pick 401k Funds
Replies: 6
Views: 408

Re: Helping Brother Pick 401k Funds

Hello. Yes, your suggested allocation sounds good to me. Does your brother want international exposure in both developed and emerging markets? If so, I would suggest switching out VDIPX for VTSNX. Has your brother thought about also investing in a IRA? Even if his MAGI is greater then the Roth IRA ...
by jasonrecite25
Fri Sep 01, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Brother Pick 401k Funds
Replies: 6
Views: 408

Helping Brother Pick 401k Funds

Hi all, wanted to get your input on the best 401k fund selections for my brother. He is aiming for an 80/20 asset allocation (30% INTL) and is 35 years old. No other investments outside of his 401k. I was hoping to find a auto-rebalancing lifestrategy style fund, but doesn't look like he has any to ...
by jasonrecite25
Fri Aug 18, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16055

Re: Jobs that pay over $100,000

I disagree with those who say you shouldn't pick a career based on money. I read this article today and agreed with most of the points. Warning that it contains some cursing: https://medium.com/@MarkManson/screw-finding-your-passion-e479cd43c16e There are TONS of salary, hiring, career based resourc...
by jasonrecite25
Thu Aug 10, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: First time home seller, advice on FSBO, MLS, etc?
Replies: 7
Views: 729

First time home seller, advice on FSBO, MLS, etc?

Hi everyone, first time home seller here that is having trouble wading through the multitude of home sales services out on the web. I'm having trouble finding a good central resource for someone looking to DIY. Hopefully the below is enough information to get a feel for our situation and why we're w...
by jasonrecite25
Mon Aug 07, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Close empty brokerage accounts at Scottrade?
Replies: 1
Views: 285

Close empty brokerage accounts at Scottrade?

My wife and I both had two accounts each at Scottrade. We have since emptied both of our accounts: Both of our rollover IRAs: These were transferred to our current employer's 401ks. Both of our Roth IRAs: These were both transferred to our Vanguard Roth accounts. So both accounts are empty as of abo...
by jasonrecite25
Sun Aug 06, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Roth, Taxes and Mistakes
Replies: 41
Views: 4204

Re: Roth, Taxes and Mistakes

Being a CPA does not qualify someone to be a competent personal tax advisor. There are two CPAs in my family and while they are smart they don't have any expertise in personal tax services and their day jobs don't have anything to do with taxes at all. Research what the CPA is and you will understan...
by jasonrecite25
Tue Aug 01, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2066

Re: Pool Maintenance Savings

I know most of us are up for saving money where we can so I wanted to pass along some great info that is going to save me over $300/year. Trouble free pool(It a forum just like this place that wants to educate pool owners with no advertising and strict rules on posting for industry insiders )has a ...
by jasonrecite25
Mon Jul 31, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to the suburbs - how much can i afford?
Replies: 22
Views: 1138

Re: Moving to the suburbs - how much can i afford?

I will note that I'm going to follow this thread pretty carefully, because much of this sounds like my scenario (married, two kids under 3, dog, living in condo in the city, looking to move to suburbs). I will note one thing, though -- you're already paying $1500 a month for daycare, so going from ...
by jasonrecite25
Mon Jul 31, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to the suburbs - how much can i afford?
Replies: 22
Views: 1138

Re: Moving to the suburbs - how much can i afford?

I will note that I'm going to follow this thread pretty carefully, because much of this sounds like my scenario (married, two kids under 3, dog, living in condo in the city, looking to move to suburbs). I will note one thing, though -- you're already paying $1500 a month for daycare, so going from ...
by jasonrecite25
Mon Jul 31, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Say Bye Bye To Wells Fargo Advisors?
Replies: 30
Views: 3235

Re: Say Bye Bye To Wells Fargo Advisors?

I wouldn't worry about where your money is at the moment. I would worry about educating yourself on the basics of how to invest the money you do have. Your first post sounded like you knew what to do with the money when you moved it out of WF, but your more recent post about "what funds" struck me a...
by jasonrecite25
Mon Jul 24, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Company Vehicle - What would you do?
Replies: 23
Views: 1371

Re: Company Vehicle - What would you do?

Don't spend too much time overthinking this and running the numbers. If you can indeed drive the work car with no restrictions then it is a no brainer, sell your car. Why pay interest on a loan for a depreciating asset that you'll also pay insurance on and have to take up garage space or parking spa...
by jasonrecite25
Thu Jul 13, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Healthy smoothie ideas
Replies: 18
Views: 1574

Re: Healthy smoothie ideas

I'm interested in buying a blender for mixing fruit for a non-alcoholic beverage. Does anyone have a recommendation? One requirement is that it be small enough to fit in a kitchen cupboard, because I don't have enough room on my kitchen counter, other using it to make the smoothie. Thank you for an...
by jasonrecite25
Wed Jul 12, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Healthy smoothie ideas
Replies: 18
Views: 1574

Re: Healthy smoothie ideas

I don't make smoothies that taste great, but they are about as healthy as you can get. Most smoothies that claim to be healthy are just loaded with sugar (natural or not). I also use a Nutribullet, grind it all up, and take it to drink for a lunch most days. Google any of the below list and you'll q...
by jasonrecite25
Wed Jul 12, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 1035

Re: Home made "Trail mix"

I suppose it depends on what type of eater you are, i.e., if you don't care about the relative "healthiness' of the trail mix then stick with peanuts, M&Ms, etc. but here is an alternative if you want to have a really healthy trail mix (mix and match ingredients to your desire). *Warning, take my us...
by jasonrecite25
Wed May 24, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: IRA to 401K rollover + Backdoor IRA in same year
Replies: 9
Views: 739

Re: IRA to 401K rollover + Backdoor IRA in same year

Thank you for insightful replies! After reading these posts and thinking about it I've decided to get the rollover done with soon so I called Fidelity today. I learned that for this type of IRA to 401K roll-over, my current IRA administrator (Schwab) would need to cut me a check and then I would ha...
by jasonrecite25
Tue May 23, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: What brokerage service to use?
Replies: 3
Views: 402

What brokerage service to use?

First, thanks for a lot of valuable feedback on a couple of earlier questions I've posted. I'm getting ready to execute a backdoor Roth for the first time as well as start contributing to a taxable account for the first time. I've been reading many other threads related to some of the larger brokera...
by jasonrecite25
Tue May 09, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: employer executive savings plan and 180k cash - prioritizing help
Replies: 14
Views: 1579

Re: employer executive savings plan and 180k cash - prioritizing help

I think you should talk to your HR admin for more clarification. These plans are not cookie cutter like a 401k. The way that I interpret it, you can set aside money for college or other events, but it has to be done at the time when the income is deferred. If later on you would like to change your ...
by jasonrecite25
Tue May 09, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: employer executive savings plan and 180k cash - prioritizing help
Replies: 14
Views: 1579

Re: employer executive savings plan and 180k cash - prioritizing help

All of the information in the original post is directly from the plan literature. The NQDC terminology was new to me until I posted here, but the plan literature does explicitly state it is a NQDC plan. The Fidelity langauge is correct regarding distribution changes on an annual basis, e.g., cannot ...
by jasonrecite25
Tue May 09, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: employer executive savings plan and 180k cash - prioritizing help
Replies: 14
Views: 1579

Re: employer executive savings plan and 180k cash - prioritizing help

All, thanks again for the feedback and an apology for the late reply. One other thing I'm now struggling with is how to treat the ESP from an AA perspective. My quick thinking says to make some assumptions like: -Best guess to stay with this employer for another 5-10 years. -Have elected a 10 year d...
by jasonrecite25
Tue Apr 25, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Which international fund in 401k?
Replies: 4
Views: 394

Re: Which international fund in 401k?

retiredjg wrote:I would use the index fund and drop the other two.

I would also use the bond index fund instead of Dodge And Cox Income.


Got it, figured someone might tell me to use the SSGA bond index too! Thanks!
by jasonrecite25
Tue Apr 25, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Which international fund in 401k?
Replies: 4
Views: 394

Re: Which international fund in 401k?

Use the index fund. Do you see why? Did you read the prospectus? SSGA GLB EQ EX-US C, 0.172% : FOREIGN GIANT/LARGE BLEND - 1,3,5 YR Returns = 13.36, 0.68, 4.52 Thank you for the quick reply. I did look at the prospectus for each, but other than noticing significant differences in fees, I wasn't abl...
by jasonrecite25
Tue Apr 25, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which international fund in 401k?
Replies: 4
Views: 394

Which international fund in 401k?

Hi all, thanks for the valuable help thus far in helping me revisit my investments and strategy going forward. I'm actively working through the details on my asset allocation and trying to pick the right international fund within my 401k. Note that this 401k will make up almost all of my internation...
by jasonrecite25
Mon Apr 17, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: employer executive savings plan and 180k cash - prioritizing help
Replies: 14
Views: 1579

Re: employer executive savings plan and 180k cash - prioritizing help

How stable is your employer as you are very young. I'm 56 and have max 401ks for years and have accumulated an additional 500k in my employers deferred comp. I plan to contribute the next four years up to retirement but do worry about being a general creditor. I have elected 10 year payout to creat...
by jasonrecite25
Mon Apr 17, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: employer executive savings plan and 180k cash - prioritizing help
Replies: 14
Views: 1579

employer executive savings plan and 180k cash - prioritizing help

Hi everyone, I just officially joined the forum and posted an initial thread here regarding my 401k fund selections, but have a somewhat more complex scenario I wanted to get input on below. Summary: Emergency funds: 6 months expenses in ~1% savings account. Debt: $177k mortgage @ 3.75%. Tax Filing ...
by jasonrecite25
Wed Apr 12, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead looking for portfolio advice
Replies: 2
Views: 373

Re: New Boglehead looking for portfolio advice

We don't include our 529 as part of our AA. We treat it separately. Our goal with ours was the save about 50% of college costs using it and we met or exceeded that goal. The rest we payed out of a UTMA account and cash flow.[/color] Thanks for all of the feedback. We're thinking the same for 529 fu...
by jasonrecite25
Tue Apr 11, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead looking for portfolio advice
Replies: 2
Views: 373

New Boglehead looking for portfolio advice

Hi all, I've just started reading The Bogleheads Guide to Investing and started browsing the forum. Figured it was time to "put it all out there" and get some advice from the experts. Would like to start taking more control over where our investments are and start thinking about what to do...