Search found 113 matches

by LukeHeinz57
Fri Aug 16, 2019 8:51 am
Forum: Personal Investments
Topic: Max HSA on Jan 1 or biweekly
Replies: 15
Views: 914

Re: Max HSA on Jan 1 or biweekly

Also, to the extent your salary might be above the SS max, I believe HSA contributions (even if through payroll deduction) effectively only avoid the Medicare portion. It looks like HSA contributions are always exempt from both social security and medicare taxes. https://www.hsaedge.com/2018/09/23/...
by LukeHeinz57
Fri Aug 16, 2019 7:51 am
Forum: Personal Investments
Topic: Max HSA on Jan 1 or biweekly
Replies: 15
Views: 914

Re: Max HSA on Jan 1 or biweekly

If my employer allows me to max out my family HSA contribution in January I would still save on all of the FICA taxes right? We have no employer match for the HSA and this is what I have been doing budgeting to make it work cashflow wise each year. Just wanted to confirm I'm not missing anything abo...
by LukeHeinz57
Thu Jul 18, 2019 6:37 am
Forum: Investing - Theory, News & General
Topic: 25% SP 500 (or VT) and 75% TIPS Bonds--Not Bond Fund.
Replies: 21
Views: 2052

Re: 25% SP 500 (or VT) and 75% TIPS Bonds--Not Bond Fund.

whodidntante wrote:
Wed Jul 17, 2019 9:16 pm
I think I would feel physically ill at 51% bonds, unless I had a death certain date, in which case that would be the cause of my physical illness.
This made me laugh out loud in my office this morning harder than anything else on Bogleheads ever has. :D
by LukeHeinz57
Mon Jul 01, 2019 1:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Long Term Bond Index to charge 0.50% fee on purchases
Replies: 65
Views: 6700

Re: Vanguard Long Term Bond Index to charge 0.50% fee on purchases

Just a PSA if you were thinking about buying in to this fund you've got about a week to do so without any purchase fee...
by LukeHeinz57
Mon Jun 17, 2019 7:13 am
Forum: US Chapters
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 191
Views: 58453

Re: NE Ohio (Cleveland Area) Master Thread

Pete, I have nothing to offer other than encouragement, that you are doing a great service trying to set them on the right path. Dr.'s seem to be targeted by "financial advisors" and they would do very well indeed to steer clear of being sold products and instead walk the Boglehead path....
by LukeHeinz57
Wed Jun 05, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 6513

Re: Would you buy a house without a garage?

A garage is a must for me.
by LukeHeinz57
Fri May 31, 2019 7:32 am
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 58
Views: 6953

Re: End of 30 yr. Bull run on bonds, what now

patrick013 wrote:
Sat Aug 15, 2015 3:57 pm
@nisiprius

I'll bet $50

If I cannot buy a 10 yr TRSY yield 6% in 2020 I'll pay you $50.

Fancy a 6% yield in 2014, no way, the info was published.
Nisiprius you should have taken this bet! :moneybag
by LukeHeinz57
Thu Jan 10, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 31
Views: 3445

Re: 2019 Chrysler Pacifica Hybrid

Just wanted to follow up and say we ordered a '19 in November of last year and took delivery on Dec. 31st 2018! Federal Tax Credit Acquired just in time!!! :moneybag We love the vehicle so much and have been driving off the electric the vast majority of the time. Also, cold weather has not been an i...
by LukeHeinz57
Thu Jan 10, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Pacifica Hybrid? Alternative? Now or Later?
Replies: 6
Views: 735

Re: Pacifica Hybrid? Alternative? Now or Later?

Just bought a 2019 Plug In Pacifica at the end of last year. Simply said we love it. My favorite vehicle ever.
by LukeHeinz57
Tue Dec 18, 2018 7:29 am
Forum: Personal Investments
Topic: Made Big mistake timing the market - help
Replies: 29
Views: 6917

Re: Made Big mistake timing the market - help

If you're really going to make a change and stick with it, switch over to the Light that you've found. If you think you are going to continue to dabble with the Darkside of investing maybe move a portion over at a time and commit to not touching the index funds as you change over to them.
by LukeHeinz57
Thu Oct 25, 2018 1:12 pm
Forum: Personal Investments
Topic: AT&T Stock?
Replies: 20
Views: 3090

Re: AT&T Stock?

Curious what you ended up doing if anything OP. Given the most recent earnings report and subsequent 10%+ selloff it's certainly looking like a value play. If I were inclined to speculate this is a stock I would attempt to do so with right now. The market seems to be pricing in credit downgrades and...
by LukeHeinz57
Tue Oct 23, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 31
Views: 3445

Re: 2019 Chrysler Pacifica Hybrid

I could have written cville’s first paragraph- we’ve had the exact same experience wrt to mileage and such. Got the 2018 Limited (top trim) in November 2017 and have been thrilled. We’ve not installed a Level 2 charger but very rarely drive more than 35 miles in town so we are nearly always running...
by LukeHeinz57
Mon Oct 22, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 31
Views: 3445

Re: 2019 Chrysler Pacifica Hybrid

I am going to be following this thread with interest. My wife and I are currently looking at the Chrysler Pacifica Hybrid. The comment above regarding the engine using gas below 35 degrees was disappointing to say the least as we live in Northeast Ohio... going to have to really think through which ...
by LukeHeinz57
Wed Oct 17, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: SEC Yield
Replies: 1
Views: 247

Re: SEC Yield

YTD is what has happened in the past. SEC Yield is the yield you can expect going forward. Obviously, the price of the fund shares may be higher or lower depending upon market conditions in the future. Using YTD return to judge your investments is a little like driving by looking in the rear view mi...
by LukeHeinz57
Tue Oct 16, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1499

Re: Should I sell Microsoft Bond

You've gotten good advice and explanations as to why you should hold this investment to maturity. I concur with the posters saying you aren't going to do better by selling and buying a CD. Unless it is due to you getting lucky with interest rate increases. But then again you could just as easily get...
by LukeHeinz57
Mon Oct 01, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3770

Re: Used Car on Lot for Year and a Half

My friend got over 200,000 miles out of his Vibe before trading it in. He was quite happy with the vehicle.
by LukeHeinz57
Tue Sep 25, 2018 6:45 am
Forum: Personal Investments
Topic: Can I construct a three-fund portfolio given my 401k choices?
Replies: 3
Views: 452

Re: Can I construct a three-fund portfolio given my 401k choices?

AMERICAN EUROPACIFIC GR FD R5 looks good as a total International Stock market proxy to me. If I were going to pick a bond fund from that list it would be the BLACKROCK US DEBT INDEX FD W / DEDAT. It has an extremely low expense ratio and is a conservative intermediate-term bond fund.
by LukeHeinz57
Wed Sep 05, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 46175

Re: Selling a car to CarMax

I've haven't gotten an offer in the two times I've taken vehicles to them that I considered worth taking. And I REALLY wanted to sell those vehicles! What's your time worth. I got an extra $2,000 with probably 20 or so total hours invested in selling private party over the course of a month or so. M...
by LukeHeinz57
Thu Jun 28, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Sister-in-Law - trouble adulting - Pay medical bill?
Replies: 41
Views: 3944

Re: Sister-in-Law - trouble adulting - Pay medical bill?

Please do not contribute to the enabling behavior by others that is hurting her. Be the one who loves her enough to tell her the truth. Her problems are not the result of some misfortune. She needs to realize that she will not always get bailed out when she makes poor choices. Unless you want to be ...
by LukeHeinz57
Tue Jun 19, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on job change consideration
Replies: 15
Views: 1763

Re: Advice on job change consideration

Based on the information you have provided I would take the prospective job.
by LukeHeinz57
Fri Apr 13, 2018 1:07 pm
Forum: Personal Investments
Topic: Investing Using My HSA
Replies: 5
Views: 801

Re: Investing Using My HSA

I do a 50/50 split between SPTM and SPDW as both are diversified low-cost index funds offered commission free through TDameritrade the broker for my HSA. If you are able to do so pay your medical expenses out of pocket and save the receipts. That will maximize your tax free HSA space and still allow...
by LukeHeinz57
Wed Apr 11, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 13147

Re: Cash flow problems - best way to handle?

I love the Bogleheads forum, full stop. But I am appalled at some of the responses here :shock: ...some from posters I respect and admire for their input into other financial advice topics... MnyGrl, you are obviously smart enough to sort out the good advice here from the unhelpful nonsense. I don't...
by LukeHeinz57
Thu Mar 29, 2018 1:05 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 138998

Re: Post your Financial Milestone Announcements Here

Just wanted to send you a personal note of congratulations on your milestone! Way to go on keeping your expenses so low! :D I hope to be in your position in the future earning six figures on my investments and reaping the rewards of good decision making from years past. :beer As a side note, this is...
by LukeHeinz57
Thu Mar 08, 2018 3:47 pm
Forum: Personal Investments
Topic: Would YOU retire
Replies: 67
Views: 10419

Re: Would YOU retire

Yes. I would be uncomfortable holding as much in cash as you plan to though...Congratulations on a job well done :beer
by LukeHeinz57
Wed Mar 07, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I "get divorced" for tax purposes (PSLF)
Replies: 57
Views: 4842

Re: Should I "get divorced" for tax purposes (PSLF)

Wow...I'm with the father-in-law here. I don't think you are grasping the commitment you made when you got married. Was there anything in your vows about "unless there is some potential tax savings to exploit" :oops:
by LukeHeinz57
Mon Feb 26, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Personal rules for buying in a down market?
Replies: 55
Views: 4873

Re: Personal rules for buying in a down market?

I wait to see if there's a post from Livesoft indicating it is a certified RBD. :D

Seriously though, if the market dropped drastically you are likely below your target allocation to equities and can rebalance back up to your target.
by LukeHeinz57
Thu Feb 22, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 165693

Re: Netflix, Your Current Favorite Show

Peaky Blinders...It's amazing! Period drama in post WWI England with an incredible cast of small-town gangsters looking to make it big.
by LukeHeinz57
Wed Feb 21, 2018 3:55 pm
Forum: Personal Investments
Topic: Balance in Marriage and Student Loans
Replies: 36
Views: 3605

Re: Balance in Marriage and Student Loans

Don't pay off any of it until after the wedding.
by LukeHeinz57
Tue Feb 20, 2018 2:08 pm
Forum: Personal Investments
Topic: Advice request: Managing Mom's Money
Replies: 11
Views: 1074

Re: Advice request: Managing Mom's Money

Do you have her permission and support in making changes? I only ask because all of the good advice you are going to get here will be for naught if she isn't "on board". If she thinks the nice gentlemen from Merill Lynch is doing a good job you don't want to overwhelm her and have to proceed careful...
by LukeHeinz57
Mon Feb 19, 2018 9:52 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 61610

Re: Your USER NAME...what does it mean?

Igglesman wrote:
Sat Feb 11, 2017 8:20 am
When the Superbowl trophy moves to the City of Brotherly love, I will be ready....
Your day finally came Igglesman! :D
by LukeHeinz57
Thu Feb 15, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra- Used car
Replies: 3
Views: 448

Re: Hyundai Elantra- Used car

I have a 2015 Elentra SE and love it. It has a rear view camera, about 70k miles and big issues yet. I rented a 2017 over the summer and hated it. I have to concur that I was unimpressed with the 2017 I got as a loaner when I had some maintenance done on mine at the dealership. I guess I just expec...
by LukeHeinz57
Thu Feb 15, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra- Used car
Replies: 3
Views: 448

Re: Hyundai Elantra- Used car

I have a 2011 Hyundai Elantra Limited with the features you mentioned and it has been a very good car. At 82,000ish miles and have been happy with the purchase. I've kept up with the maintenance and am pleased with the total cost of ownership thus far. If you're budget conscious and the mileage is f...
by LukeHeinz57
Tue Feb 13, 2018 3:39 pm
Forum: Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 6462

Re: Gut check: is this lifestyle creep?

This seems eminently reasonable to me...you can always save more or do better, but life should be lived as well. You're striking a pretty reasonable balance in my estimation. I feel like any year I max all of my Tax-advantaged accounts (401k, HSA, Roth's) I've done wonderfully and any savings above ...
by LukeHeinz57
Tue Feb 13, 2018 8:10 am
Forum: Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 27659

Re: I bought a stock today - Redfin (RDFN)

Surely this thread has run its course at this point, so I wanted to get in before the lock...As a service to new forum goers, it would be a real shame if they started seeing threads here on a regular basis about individual stocks. It really does go against the teachings of John Bogle our patron sain...
by LukeHeinz57
Fri Jan 26, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 15245

Re: Starting to feel like the late 1990s?

I find it harder to stick to my AA in up markets like this than in down markets. I am very tempted to try and market time despite knowing better when riding a wave up like this. Wasn't invested in the late 90's, didn't buy my first stock until 2000...I "know" the price today could be the best I will...
by LukeHeinz57
Fri Jan 26, 2018 12:52 pm
Forum: Personal Investments
Topic: Oops! Miscalculated International AA, should I just stick with it?
Replies: 19
Views: 1350

Re: Oops! Miscalculated International AA, should I just stick with it?

Leave it!

(Disclaimer: I'm a world market weight investor) :beer
by LukeHeinz57
Tue Jan 23, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Why hold total bond market fund when 7 year CDs yield more?
Replies: 21
Views: 3205

Re: Why hold total bond market fund when 7 year CDs yield more?

The Bond Market Fund will be buying issues with progressively higher yields in a rising environment increasing the amount it pays out over the course of the next seven years...If interest rates go the other way the fund's shares will appreciate in value hold older higher coupon bonds. The CD's are ...
by LukeHeinz57
Tue Jan 23, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Have you ever acted on an instinct like this?
Replies: 30
Views: 4154

Re: Have you ever acted on an instinct like this?

by LukeHeinz57 » Tue Jan 23, 2018 10:15 am Today an in-law asked me if I owned any stocks and said they just bought their first ones this past week. Uh-oh. That was my thought exactly! :oops: Time to sell the top is about to blow off and then the crash is coming! But I know market timing is a fool'...
by LukeHeinz57
Tue Jan 23, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Car loan @ 3.49% vs. Roth Contribution
Replies: 9
Views: 882

Re: Car loan @ 3.49% vs. Roth Contribution

I would borrow money to fund a Roth, which is effectively what you are doing.
by LukeHeinz57
Tue Jan 23, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Why hold total bond market fund when 7 year CDs yield more?
Replies: 21
Views: 3205

Re: Why hold total bond market fund when 7 year CDs yield more?

The Bond Market Fund will be buying issues with progressively higher yields in a rising environment increasing the amount it pays out over the course of the next seven years...If interest rates go the other way the fund's shares will appreciate in value hold older higher coupon bonds. The CD's are l...
by LukeHeinz57
Tue Jan 23, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Have you ever acted on an instinct like this?
Replies: 30
Views: 4154

Have you ever acted on an instinct like this?

Today an in-law asked me if I owned any stocks and said they just bought their first ones this past week. I wondered if people who have not been interested in the market ever before, deciding to get in was a sign I should try market timing! (I'm not going to I think...) It also occurred to me that t...
by LukeHeinz57
Wed Jan 17, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much of your 401k is from your contributions?
Replies: 6
Views: 783

How much of your 401k is from your contributions?

If I knew how to do a poll I would...What inspired this question is that after an update to our plan's website I was able to easily see how much of my current balance came from my contributions, my employer's match and from market growth. I was mildly shocked to see that of the low to mid-six-figure...
by LukeHeinz57
Tue Jan 16, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Weighing the value of a fixed-rate mortgage
Replies: 4
Views: 834

Re: Weighing the value of a fixed-rate mortgage

I refinanced a little over a year ago to lock in 3.5% on a 30yr mortgage for all of the reasons you mentioned and more. However, we have a home that is sufficient for our family's size (we are done adding members) and in a school district we love. It's going to be our home for 20+ yrs at this point....
by LukeHeinz57
Tue Jan 09, 2018 7:39 am
Forum: Personal Investments
Topic: Smallest % worth Allocating in your Portfolio
Replies: 30
Views: 2630

Re: Smallest % worth Allocating in your Portfolio

Thank you all for the responses. I appreciate the time you all took to share. Reading everyone's opinions was enlightening. Going to give this some more thought before taking any actions!
by LukeHeinz57
Mon Jan 08, 2018 1:26 pm
Forum: Personal Investments
Topic: Smallest % worth Allocating in your Portfolio
Replies: 30
Views: 2630

Smallest % worth Allocating in your Portfolio

I see some people post where they've sliced and diced down to some 2.2% allocation in say intl mid-cap value funds, that strikes me as a bit extreme. At the same time if I were looking to make REIT funds a standalone portion of my portfolio what would be the least meaningful position I could take th...
by LukeHeinz57
Wed Dec 27, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience taking a voluntary (pre-retirement) break from employment?
Replies: 30
Views: 6032

Re: Anyone with experience taking a voluntary (pre-retirement) break from employment?

Franklinsimms,

Very curious if you ended up taking a break or not and if so how did it go? Pondering something similar myself...
by LukeHeinz57
Sat Dec 16, 2017 12:49 pm
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 28
Views: 3894

Re: Thank you Admins

Best Forum on the web for personal finance and investing! Mostly because of the moderators and admins that make it a place welcoming quality content and keeping the junk away. :sharebeer
by LukeHeinz57
Thu Dec 07, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 26478

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Yeah, I did it and think it is fine. If you are comfortable giving it to a site like mint.com same thing here. After reading this thread and others on Bogleheads last week I bought in a small amount (.14% of my Net Worth) at $11,500 and already took some profits today at $17,500. :shock: :moneybag P...
by LukeHeinz57
Thu Nov 09, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: pick one for me..
Replies: 14
Views: 1572

Re: pick one for me..

#1...but I'd invest before paying down #2.