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Re: Best solution for clouded auto headlight lens?

Use a kit. It is basically just wet sanding and misting the lens.

Just remember to tape around the lens so you do not scratch the pai t
by frugalhen
Sun Oct 12, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2699

Re: Sixth anniversary of worst week ever for stocks

...So... what did you do in October 2008?... Filed for unemployment benefits. True story.....got a raise in October because I was paid commission and the market for my industry was going down. Then first week of November was laid off for the first time in my life. In December I looked at my portfol...
by frugalhen
Sat Oct 11, 2014 3:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 4430

Re: Ideas for thanking a doctor

dolphinsaremammals wrote:
frugalhen wrote:Make a donation to their hospital in their honor.


This will put you on the hospital's solicitations list forever.



It's easy to get removed too. There is always a reason not to give money.........
by frugalhen
Sun Aug 31, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5129

Re: Ideas for thanking a doctor

Write a heartfelt personal note.

Make a donation to their hospital in their honor.
by frugalhen
Sun Aug 31, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5129

When did you officially "retire"?

However you define it, work less, part time or not at all.....
by frugalhen
Sun Aug 17, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you officially "retire"?
Replies: 2
Views: 631

Re: Is the goal in sight? Should I relax?

$100k annually is pretty good income if you are truly debt free. Of course you can always spend like a drunken sailor but from what I read, outside of healthcare, people spend far less than they antipicated prior to hitting 70+
by frugalhen
Thu Aug 14, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2373

Re: Portfolio/Mortgage/Insurance Advice requested!!!

What purpose do you want the insurance to serve you? What length of term do you have?
by frugalhen
Sun Aug 03, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio/Mortgage/Insurance Advice requested!!!
Replies: 10
Views: 625

Re: How to admit/should I admit alcohol problem to employer

I admire your decision to confront this. Ultimately the professionalism of your boss and hr are about to come into question but that cant be helped. As for repercussions, losing a job after admitting needing help will not bode well for the employer in court or in the eyes of co workers if they were ...
by frugalhen
Wed Jul 02, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13866

Re: Who are the BogleHeads.org heavyweights?

leonidas wrote:Leonidas misses the munchkin man. He was a heavyweight until he went on that diet.


and speaking of yourself in the third person is a true hats off to the Munchkin Man!
by frugalhen
Fri May 30, 2014 5:58 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9671

Re: The in-laws are broke!

This is a tough one. I sense some tough love here by stating it is not the children's responsibility to pay for their parents. Having dealt with this personally, I can tell you it is very, very difficult. Here is what I learned: ***You will never make your parents financially responsible at their ag...
by frugalhen
Mon May 26, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16594

Re: Worst "Large purchase" ever?

happyisland wrote:Law school. I wish I had that money (and time!) back... :oops:


Not trying to hijack the thread, but why? I have lawyer friends who did not practice because they hated it and those who did not practice but found it helpful in business.
by frugalhen
Sat May 24, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 12133

Re: Worst "Large purchase" ever?

Interesting how so many people regret car purchases..........
by frugalhen
Sat May 24, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 12133

Re: Best rental car companies

On two occasions at two airports (Charleston, SC and Miami, FL) I have encountered mean, nitpicky Avis agents in the return lane who spent 5 minutes looking for microscopic damage on the car. They were clearly tasked to generate revenue. In the first case the agent started to write me up (leading t...
by frugalhen
Wed May 21, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Best rental car companies
Replies: 20
Views: 1210

Re: Best rental car companies

IMO: If you want a car in the suburbs enterprise has the most locations, hertz is closing in on them. As for price in the suburban market enterprise and hertz are nearly identical. For the airports Hertz is one of the priciest but good selection and technology and will get the business customer in a...
by frugalhen
Wed May 21, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Best rental car companies
Replies: 20
Views: 1210

Re: "5 of our Favorite Bogle Quotes"--Stipp, Benz

I have always wanted Jack to expand on the second quote and what recommendations he would suggest to policy makers.
by frugalhen
Sun May 18, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: "5 of our Favorite Bogle Quotes"--Stipp, Benz
Replies: 2
Views: 1100

Re: When did you tell your children how much you had amassed

I think kids should know they are loved, safe and secure. I don't see how knowing the parents portfolio size fits into that.

Respectfully.
by frugalhen
Sat May 17, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11242

Re: Timing Belt Change - Months or Miles if car is old?

Not correct. I have to have some fun with that statement. What's not correct about my post? Is it: a) It would not be nice to know …, b) I actually don't suspect …, or c) I didn't have a timing belt replaced? Not correct that belts often last longer than manufacurerer recommendations. Some do, of c...
by frugalhen
Thu May 15, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 8076

Re: Can I be a boglehead and join a golf club?

Frugalhen, forgive me, a previous question of yours was Can you raise kids in a townhouse? . Yes you can raise kids in a townhouse. Yes, you can join a golf club and be a boglehead. Now, can you live in a townhouse and join the golf club? Strictly, yes; but there is a lot going on! in friendship, -...
by frugalhen
Thu May 15, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4721

Re: Can I be a boglehead and join a golf club?

Frugalhen, forgive me, a previous question of yours was Can you raise kids in a townhouse? . Yes you can raise kids in a townhouse. Yes, you can join a golf club and be a boglehead. Now, can you live in a townhouse and join the golf club? Strictly, yes; but there is a lot going on! in friendship, -...
by frugalhen
Thu May 15, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4721

Re: Timing Belt Change - Months or Miles if car is old?

It would be nice to know when timing belts failed from actual surveys and experiences. I suspect that belts last quite a lot longer than the manufacturer recommends. I just had one replaced on a 2001 vehicle which I am sure had the original timing belt on it. Not correct. Timing belts are almost en...
by frugalhen
Thu May 15, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 8076

Re: Timing Belt Change - Months or Miles if car is old?

If it is an interference engine, change it with years or miles, whatever comes first. I had a v6 accord, changed the belt at 7 years, it only had 88k on it. When he changed it the water pump was leaking. If it is an interference engine, the entire engine health depends on the timing belt. Replace it...
by frugalhen
Thu May 15, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 8076

Re: what had biggest impact on your financial success?

watching my otherwise wonderful parents squander a lot of money, not save and make for a learning experience like no other. Got a decent job, climbed the ranks, made good money and invested almost all of it. Lived in an apartment until I was 37 when my friends were buying $500,000 homes. Never bough...
by frugalhen
Wed May 14, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: what had biggest impact on your financial success?
Replies: 57
Views: 4278

Re: Squirrels ate through sceen, plastic & wood to get bird

This post makes me laugh. A few weeks ago I went to our local hardware store, a great one by the way with lots of knowledgeable people. This store has a downstairs for outdoor items. After I found what I needed (fertilizer) I noticed the lone employee downstairs was near me, I asked "hey, do yo...
by frugalhen
Tue May 13, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Squirrels ate through sceen, plastic & wood to get bird feed
Replies: 37
Views: 2221

Re: Can I be a boglehead and join a golf club?

Hello Bogleheads: I can't say this is a particularly important financial decision, but I wanted to bounce the situation off the community. Dear spouse and I have agreed  to look into a country club membership. The main reasons are to enjoy golf (me), pool (wife and daughter) and a nice place to eat...
by frugalhen
Sun May 11, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4721

Re: Can I be a boglehead and join a golf club?

HardKnocker wrote:Bogelhead-ism is not a religion.

You will not be excommunicated for joining a country club. :D



Of course, but can I do it and not feel guilty??? :?
by frugalhen
Sun May 11, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4721

Can I be a boglehead and join a golf club?

Hello Bogleheads: I can't say this is a particularly important financial decision, but I wanted to bounce the situation off the community. Dear spouse and I have agreed  to look into a country club membership. The main reasons are to enjoy golf (me), pool (wife and daughter) and a nice place to eat....
by frugalhen
Sun May 11, 2014 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4721

Can you raise kids in a townhouse?

Here is my situation. Spouse and I have one child and we have our townhouse paid off. We could use another bedroom but houses in our area are REALLY expensive.

Just wondering if anyone out there has (happily) raised a child or two in a townhouse?
by frugalhen
Thu May 01, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you raise kids in a townhouse?
Replies: 35
Views: 3507

Are I Bonds a part of your portfolio?

Do you own I bonds? If so, why? Specifically, what are they in place of/meant to augment in your portfolio?
by frugalhen
Wed Apr 30, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 4197

Re: 2003 Accord - 2nd trans going bad - invested $$

I sent you a private message
by frugalhen
Tue Apr 29, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 4798

Recommended "All Inclusive" in Caribbean

Bogleheads: I was wondering is anyone has ever gone to an all inclusive resort in the caribbean and enjoyed it and felt it was a decent value?

A few things;

We have a 5 year old
We are not big partyers
We do not drink much

Thanks1
by frugalhen
Sun Apr 27, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommended "All Inclusive" in Caribbean
Replies: 8
Views: 2643

Re: Boglehead used car problem. Run It or ditch it?

Thanks to all for the thoughtful replies. Got rid of it a few days ago. In the last 6 months my car has been down 2 of those months. Did the shop do a good job? Sloppy, but eventually got it right. So why did I sell? Because on a 9 year old car, little things can start to eat away at you, ac condens...
by frugalhen
Tue Apr 22, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2557

Re: Boglehead used car problem. Run It or ditch it?

Hmmm.... 2005 Accord I suggest you also look at the tranny problems of that vintage (we have 2003 and I know it has a serious history of trannys not making it much past ~120K) I think the 05's are among that group. That may impact your decision... the rebuilds are also prone to same problems (desig...
by frugalhen
Thu Apr 17, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2557

Re: Boglehead used car problem. Run It or ditch it?

I work for a leasing company that has different repair locations, one of which is a nice body shop, they took out all dings and painted it for cost.

I told you I am meticulous,,,
by frugalhen
Thu Apr 17, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2557

Boglehead used car problem. Run It or ditch it?

Sorry in advance for the length of the post, but what would you do? I bought a used 05 Honda accord in 08 with about 40k on it. I keep cars in meticulous shape and perform all recommended owners manual service as well as full synthetic oil changes every 4k, which is overkill. When I reached 90k I ha...
by frugalhen
Thu Apr 17, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2557

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

I disagree with several of his "Doesn’t Matter" statements: Doesn’t Matter: Your theories on tax policy. Does Matter: Taking advantage of tax sheltered retirement accounts. One's opinion about the future tax policy imhacts one's planning of Roth conversions. An expectation of higher taxes...
by frugalhen
Wed Apr 16, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 58
Views: 6531

Too many passwords I need help!

Years ago I bought 1 password ( the program) to consolidate all my passwords. I found it to be useful on Mac but do not want to pay to use on Windows. Has anyone found a useful program that is free and store multiple passwords on both Mac and Windows with a sign in online?
by frugalhen
Thu Apr 10, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Too many passwords I need help!
Replies: 5
Views: 648

Re: My portfolio vs. the ideal portfolio.

Does anyone on the advisory board care to share their portfolios? How did you choose bond allocation? If you could give 1-3 top tips, what would they be? Sunnyday: I am on the advisory board and I would be happy to share my portfolio -- but someone might copy it which would be a big mistake. Every ...
by frugalhen
Wed Apr 02, 2014 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Advisory Board Portfolios
Replies: 17
Views: 1042

Re: New Friends are the Anti-Bogleheads, what to do?

island wrote:"Help them"?
How they spend their money is there business; stay out of it.


Bingo
by frugalhen
Sun Mar 30, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 9143

Re: What makes a boglehead different

I find that sad. I am not a fan of a money for money's sake approach to life. I hope when I look back at the end of my life I will be remembering a lot more than account balances. For me, being a boglehead simply means not falling for the nonsense of the bulk of the financial sales community. And a...
by frugalhen
Sun Mar 30, 2014 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: What makes a boglehead different [Behavior of saving]
Replies: 36
Views: 4411

Re: Tough college choice

One daughter spent four years at and graduated from Delaware years ago. My impression was that the school made a lot of money on out of state students by over booking dorms, classes and student services. Support for various problems was insufficient and school officials were unreachable and unpleas...
by frugalhen
Wed Mar 26, 2014 5:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 17000

Is there another Berkshire out there?

Seems like other Bogleheads do as I do, which is to have a little funny money invested in Berkshire stock. Does anyone feel there is a similar stock out there that is similar in the following ways? It acts as a holding company for multiple lines of businesses It is led by a superb long term investor
by frugalhen
Tue Mar 18, 2014 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Is there another Berkshire out there?
Replies: 20
Views: 2252

What "annual" retirement income are you hoping to achieve?

What retirement income are you hoping to achieve in today's dollars?
by frugalhen
Sun Mar 16, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4502

Re: Transmission broke on the "good" car! Need advice

I would consider putting a rebuilt or remanufactured engine in this only if the rest of the car maintenance is pretty sound. What I would do about the tranny is dependent on whether the engine itself has been maintained. Proper oil changes? Have you had major engine repair (like rear main seal repla...
by frugalhen
Fri Mar 14, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Transmission broke on the "good" car! Need advice
Replies: 18
Views: 1467

Any Subaru owners out there?

I would love any feedback on Subarus. I have always driven Hondas and need a good 2 year old used car. Specifically looking at a Legacy. Does anyone have any good or bad experiences?
by frugalhen
Fri Mar 07, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 5018

True Detective anyone?

Nothing to do with investing, but I am curious If anyone else has found this show interesting? Also curious if there are any boglehead detective fiction readers who could recommend a similar type novel?
by frugalhen
Tue Feb 18, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5732

Re: Synthetic engine oil worth better/cheaper in the long ru

If the long run is 3-5 years, then changing with conventional oil at recommended (owners manual) intervals will be fine. If you plan on keeping the car 10 plus years then IMO synthetic is far superior. You can extend drain intervals to 7500, 10000 or even 15000. Bitog is a great site and will help y...
by frugalhen
Thu Feb 13, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Synthetic engine oil worth better/cheaper in the long run?
Replies: 89
Views: 9766

Re: Part 2, the super investors of Graham and Doddsville

Have to admit, I held Tweedy Browne Fund a long time. A 1.5% fee to boot!
by frugalhen
Wed Jan 15, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Part 2, the super investors of Graham and Doddsville
Replies: 13
Views: 1671

How did divorce impact you.

Fortunately I am happily married. I married late and always took to heart the adage that who you marry is the best or worst decision one can make. Would anyone be willing to share their stories or advice as to how it impacted them financially etc, and what they would do differently to benefit those ...
by frugalhen
Wed Jan 08, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did divorce impact you.
Replies: 2
Views: 837

Re: Change one thing

Sitting here at home due to the blizzard/cold weather, etc. After 15 inches of snow and -14 degrees, I am ready to get back to work. If you could change one thing about your life, what would it be? Lets say one realistic and one unrealistic. For me, the unrealistic would be to relive parts of my li...
by frugalhen
Mon Jan 06, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Change one thing
Replies: 29
Views: 2183

Re: Living vs. saving

I am always intrigued by these threads and the moral and philosophical dimensions. The balance between living and spending seems to depend on many factors including but not limited to greed, fear, self image, religious views, guilt etc. To me, I want to be responsible (so others are not for me) and ...
by frugalhen
Mon Jan 06, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living vs. saving
Replies: 75
Views: 9572
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