I’ve been meaning to rollover my former employer’s 401(k) account for a while now… 1.5 years after I left the job. On Thursday, I went to an event at called “Investing Better” where I hoped to learn more about strategies and literally invest better (it didn’t happen) but it did spark me to take action to consolidate my multiple accounts.
For transparency, with my old employer I have both a traditional 401(k) and the Roth 401(k). I decided to contribute to both plans because I figured it doesn’t hurt to put more money into retirement. My thought process was that I was in my lowest tax bracket of my life, so I can do Roth. I put money into traditional since that was the default option . I also opened up a separate Roth IRA a few months later, because why not? I was 22 and with so many years to grow…
Which Broker to Use?
Thanks to Nerd Wallet, who put together a great summary table here. They compared the brokers, what it’s best for, cost of making trades, and current promotions.
I am looking for something that is low-cost, so I am deciding between Fidelity and Vanguard thanks to Nerd Wallet.
Fidelity has this amazing promotion going on to match 1-10% IRA contributions for current year + next 2 years depending on how much is deposited. To much sadness, I did not qualify since “direct rollovers from a 401(k) are not eligible.”
Vanguard was my next choice and the broker I had in mind already but needed some extra reassurance. It also helps that my current employer switched to Vanguard so I already have funds here.
Rollover or Convert?
The next hurdle is figuring out if I wanted to convert my Traditional 401(k) portion as well. Note that this is a very personal choice!
Before I turned 25, my mom was like, “Winnie, everything is going to change. You better take care of your skin.” Since following Ceci’s blog about Korean products and going on a shopping trip with her… I have come to a skin care routine. Taking your skin is the best way to keep looking like a 12 year old 🙌 .
I slowly gone from a 2 step process (wash & tone) to a multi-step process. This are the current products I use and I’ll update this page as I change it up!
2. Face wash – Tony Moly Goat Cream Cleanser – this cleanser leaves my face feeling super moisturized and not dry. This is my first Korean cleanser product and I’m so happy to have made the switch! I always though cleansers dried your skin… and that was normal. Unfortunately, I gave this to my boyfriend so I switched to the Burt’s Bees. During my link searches for this blog post, I found this on Amazon for $9 (this is no longer on Amazon) and repurchased! What a steal considering the Tony Moly price is $19 (what I paid).
3. Toner – Innisfree Green Tea Balaning Skin. After finishing a bottle of Goodal toner, I ordered this from Amazon since I wasn’t sure when the next Korean beauty sale was going to be. I like that it’s thick and it feels very moisturizing on my skin after washing my face.
4. Essence – MISSHA Time Revolution The First Treatment Essence (150 mL for $23 on Amazon). This is an affordable mock of the SKII. It’s $49 on MISSHA.com
Earlier this month, I went to Barcelona, Spain for six days. In short, it was great eating tons of jamon and tapas, drinking sangria and wine , and exploring the city by foot. Six days was not long enough since I didn’t get a chance to explore the old Arenas, now shopping mall. While we caught a flamenco show, we did not attend a game. The night we flew in was a game that Barcelona won (the streets were probably so crazy, but would’ve been a great experience!) Bullfights were banned in 2012… so head over to Madrid.
My favorite things:
playing with selfie sticks
chillin by the beach
drinking too much @ Torres Winery
making tapas – clam croquettes
biking around the city
Things I Recommend:
Sagrada Familia [ticketed] – this is a beautifully church designed by Gaudi that is still in the process of being built by many different architects. We bought the basic ticket and realized when we were inside that the “Panoramic Views” ticket included the elevator ride to the top. An extra 14€… and we even considered rebuying a ticket XD
Casa Batllo [ticketed] – this house, designed by Gaudi, made me wonder how someone can live in something like this! It’s very artistic and can be a bit wonky. This attraction came with a free guided audio tour on an Android device… and headphones they do not clean after being returned
Park Guell – the mosaic portion is ticketed, however, the garden is free. It was a bit underwhelming once we got inside. There was a separate line (45 min wait) for the little exhibit. The park itself is very well maintained
Tapas24 [Yelp] – this was my favorite tapas experience in Barcelona. They had this amazing boneless kimchi chicken wings and the pork ribs…
Wine Tour – this 6-7 bus tour was fun! 45 minutes away and we stopped at Jean Leon winery. Then we went to Torres, the biggest vineyard in the area and had a wine and cheese tasting class. The last stop was Freixenet, which was by far, the best tour we’ve ever been on (beats Napa Valley). Although I am not a big fan of bubbly wine (and I was totally buzzed once we arrived), it was enjoyable
Boqueria Market – go buy some fresh produce, juices, and try the cherimoya fruit!
Playing with the Cricut Explore Air™ between this blog post. It’s sooo cool. I’ve always wanted one and I finally decided to get it since it was on sale at Michaels… and I made some freelance art money (totally justifies the purchase).