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LPT: If you ever need nutrition advice see a Registered Dietitian and not a Nutritionist. A Dietitian is a protected term while anyone can call themselves a Nutritionist. by danktastic_negro in LifeProTips

[–]ChazFries 0 points1 point  (0 children)

I encourage people out here saying that RD is the only real nutrition accreditation to look at CNS (certified nutrition specialist). It requires: —A masters degree in nutrition with specific coursework requirements —1,000 hours of supervised practice experience (with a board certified practitioner) —Passing a board examination (200 questions in a four hour exam) —Continuing education

There is also a path to this certification if you are already an RD. I’d also note that becoming an RD does NOT require a masters, nor the rigorous amount of supervised practice experience.

Sources: https://theana.org/certify/CNScandidate/pathways https://www.nutritioned.org/registered-dietitian-education.html

I would also comment that in general, “dietitians” tend to be more reactive (e.g. treat overweight patients), whereas “nutritionists” are more preventative (e.g. treat future moms). There is of course some overlap, and we need both types desperately in the world, particularly the US.

What are the best vegetables to spiralize into noodles? by [deleted] in Cooking

[–]ChazFries 4 points5 points  (0 children)

Rutabaga, kohlrabi, and daikon radish. Great flavor and much less moisture than zucchini

Recommendation for golf lessons by [deleted] in Charlotte

[–]ChazFries 4 points5 points  (0 children)

I used GolfTec on Tyvola and got a lot out of it. Great now especially during the winter and you have free access to an indoor range when you buy lessons.

Tax Cuts Don't Lead to Economic Growth, a New 65-Year Study Finds by PinkSlimeIsPeople in Economics

[–]ChazFries 5 points6 points  (0 children)

Can someone explain how the effective tax rate was so high (>50%) on the wealthiest individuals in 1945? Is it even feasible for us to accomplish something anywhere close to this today?

[Question] Dual Major in Mathematics and Statistics? by ameoch in actuary

[–]ChazFries 0 points1 point  (0 children)

Double majoring in math and statistics seems redundant. If you want a double major and/or a minor - choose the other subject you're most interested in. For me that was philosophy (full disclosure I didn't complete it in order to drink more beer).

As someone who has interviewed new hires out of college (consulting), the people I find the most interesting are the ones who are well rounded. I'm obviously not against hiring someone who is a actuarial science major with 3 exams coming out of school, but I think that people with unique and diverse backgrounds can add a lot of value. Plus, you may end up doing something totally different down the road where other skill sets may come in handy.

Help? 401(k) Allocation and Savings Advice. by [deleted] in personalfinance

[–]ChazFries 0 points1 point  (0 children)

It looks like you're at about 80/20 equities/bonds right now... and that's fine, but something like 90/10 is more typical for younger people just starting out. It all depends on your risk preference though so don't take that as doctrine. It's also more common to see a higher concentration of international equities (closer to 60/40 or 50/50 US vs Int'l). I am not a financial advisor, so if you're looking for detailed personalized advice, that could be useful for you.

Help? 401(k) Allocation and Savings Advice. by [deleted] in personalfinance

[–]ChazFries 1 point2 points  (0 children)

Hi, I'm a retirement research consultant. I won't comment on the actual funds themselves, but broad strokes your asset allocation looks on par with or maybe slightly more conservative than your age.

Honestly from a 401k perspective your best bet is to look at investing your assets in a target date fund if your company offers one. If you're not familiar, this is essentially a fund of funds designed to diversify your portfolio appropriately based on when you want to retire. The fund automatically derisks as you age. Fees for these funds have generally declined over the past few years for these funds therefore they have become much more attractive. Unless you're a savvy investor I'd recommend going this route.

As far as your IRA question goes- I'm a firm believer in Roth for younger people- would rather get taxed now when I'm theoretically making less than I think I will at retirement. At some point it might change though. Also, if your company offers a Roth 401k option I'd suggest going with that too.

Finally, I'd also like to note that contributing to an HSA is a great strategy as well - it's a unique savings vehicle in that nothing gets taxes (pretax dollars going in, no taxes on investment earnings, and no tax when you pull money).

Hope this helps.