Search found 8 matches

by bernina
Sun Oct 18, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Yoga mat recommendation?
Replies: 16
Views: 1010

Re: Yoga mat recommendation?

I've had a Jade yoga mat that was recommended by my yoga teacher going on 12 years now. I've gone a year or two without using during that time but it now sees pretty regular home use. No issues at all and it's equally comfortable on hard or carpeted surfaces. Pretty sure I have the travel mat versio...
by bernina
Sun Sep 20, 2020 12:45 pm
Forum: Personal Investments
Topic: Best Vehicle for Home Savings
Replies: 30
Views: 2198

Re: Best Vehicle for Home Savings

Definitely not an expert so please take with a grain of salt and listen to other advice/do your own research. We have a great local credit union and have always had our mortgages through them. When we bought our current house 15 or so years ago we did a 30 year fixed at a good rate but did not have ...
by bernina
Thu Sep 10, 2020 11:02 pm
Forum: Personal Investments
Topic: Companies that will allow me to do Mega Roth Conversions?
Replies: 11
Views: 790

Re: Companies that will allow me to do Mega Roth Conversions?

Ford Motor Company allows for mega backdoor Roth. I believe General Motors and Delta also do.
by bernina
Wed Mar 04, 2020 11:03 am
Forum: Personal Investments
Topic: RolloverCentral experiences
Replies: 9
Views: 1304

Re: RolloverCentral experiences

My employer (State of Georgia) did not permit rollovers until thirty (30) days has passed since the date of separation or retirement. Once those thirty days had passed, a second link appeared on the Georgia Peach State Reserves website (Alight) to initiate a direct rollover. I used that link, inste...
by bernina
Sat Feb 29, 2020 4:38 am
Forum: Personal Investments
Topic: RolloverCentral experiences
Replies: 9
Views: 1304

Re: RolloverCentral experiences

Happy New Year everyone! As a recent retiree, I am going to rollover my 401k to my IRA at Vanguard in the near future. The State of Georgia 401k (Peach State Reserves) is administered by Alight (formerly Aon Hewitt). There is not a rollover form available on the plan website but there is an option ...
by bernina
Sat Feb 15, 2020 4:33 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 7
Views: 821

Re: Portfolio Review

Just wanted to say thank you again for all of your suggestions and feedback! I'll be updating both of our Roth IRAs and moving the funds into VTSAX so I won't be holding any bonds in those accounts. I'll be adjusting our 401ks using the 3 funds suggested for each to get us to our overall 70/30 targe...
by bernina
Mon Feb 10, 2020 2:23 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 7
Views: 821

Re: Portfolio Review

Thank you Jermbo and Elysium, I very much appreciate you each taking the time to review and post your recommendations. Jermbo , I see you suggest taking my liquid (non emergency fund) cash which makes up about 1% of my total portfolio and consolidating into VTSAX. Normally I would jump right on that...
by bernina
Sun Feb 09, 2020 11:23 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 7
Views: 821

Portfolio Review

Hello. I believe this is my first post in these forums, however I've been reading for several years now. First a huge thank you and now the numbers. ------ Emergency funds: Yes (primarily HYSA) Debt: $153k mortgage at 4% Tax Filing Status: Married Filing Jointly Tax Rate: 24% Federal, 4.25% State St...