Search found 9 matches

by Art Vandelay
Mon May 06, 2013 2:28 pm
Forum: Personal Consumer Issues
Topic: Laundry Detergent Issues
Replies: 71
Views: 9141

Re: Laundry Detergent Issues

Hi Munchkin Man, I have learned some valuable things from my mom. Finances are most definitely not among those things. Laundry, however, is. Her advice from as far back as I can remember: make sure if you do a load of clothes with bleach, to do a load of whites in the next cycle. Her reasoning, if t...
by Art Vandelay
Wed May 01, 2013 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Fees
Replies: 12
Views: 4420

Re: HSA Bank Fees

Anyone using HSA Bank for their HSA? In January, I deposited $6450 into an HSA with them. I kept $5000 in a minimally paying savings account and transferred $1450 into their investment account with TD Ameritrade. I have been charged a monthly fee of $3 since then. My understanding was that $3000 in...
by Art Vandelay
Mon Apr 08, 2013 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement trouble [Portfolio help]
Replies: 14
Views: 2436

Re: Retirement trouble [Portfolio help]

Good points, dbr, and thank you.

The HSA is about 2/3 the value of the retirement accounts.
by Art Vandelay
Mon Apr 08, 2013 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement trouble [Portfolio help]
Replies: 14
Views: 2436

Re: Retirement trouble [Portfolio help]

It is totally reasonable to complete a market portfolio by adding something that is missing from what you already have. I don't remember exactly how VEU and VXUS differ, but what you wrote sounds about right. This is completely different from deciding to overweight small caps, which would require a...
by Art Vandelay
Mon Apr 08, 2013 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Retirement trouble [Portfolio help]
Replies: 14
Views: 2436

Re: Retirement trouble [Portfolio help]

Are you the architect or the judge in Latham, MA? Not the judge (at least then there'd be a possibility of a pension ). Actually, not the architect either. I listed my occupation in my profile... importer/exporter. Ah, thanks. I know better than to ask whether you import or export and what it is yo...
by Art Vandelay
Mon Apr 01, 2013 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement trouble [Portfolio help]
Replies: 14
Views: 2436

Re: Retirement trouble [Portfolio help]

Art, you may (or not) be behind in dollars, but you are way ahead of your peers in understanding the concepts of successful investing. You'll do fine. Dale Thanks for the vote of confidence, it means more than you realize. Are you the architect or the judge in Latham, MA? Not the judge (at least th...
by Art Vandelay
Sun Mar 31, 2013 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement trouble [Portfolio help]
Replies: 14
Views: 2436

Re: Retirement trouble [Portfolio help]

Maybe FSGBX was a typo and they recommended FSGDX which is a rather decent int'l index fund? Unfortunately, it's not. I actually pulled out the hard copy paper work in my files and the advisor (on three separate occasions, and three consecutive years) recommended FSGBX, to which my unwitting mind p...
by Art Vandelay
Sun Mar 31, 2013 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement trouble [Portfolio help]
Replies: 14
Views: 2436

Re: Retirement trouble [Portfolio help]

A sincere thank you both, Zebra and Peter. You have given me a bit more direction and I very much appreciate it! Zebra, I was impressed with the offerings/expense ratios available in the 401(k), but agree, it would probably be best to roll that to the rest of our funds. I agree, Peter, that we need ...
by Art Vandelay
Sat Mar 30, 2013 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement trouble [Portfolio help]
Replies: 14
Views: 2436

Retirement trouble [Portfolio help]

Hello, all. First and foremost, thank you for your time and insight. After sticking my head in the sand for far too long, I'm trying to take the bull by the horns and get a handle on our retirement savings and plans. After being hit by a couple of layoffs, my husband has been a successful small busi...