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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: 2072

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: 2072

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: 2072

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: 2072

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: 5179

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: 518

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: 983

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: 8430

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: 2457

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: 54
Views: 4040

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: 1953

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: 4164

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: 1305

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: 4040

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: 5187

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: 9004

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: 1558

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: 810

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: 1996

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: 9219

Re: How many folks have a dog?

Two yorkiepoos. Yes, dogs are a big commitment of time and energy but the returns are great!. Honestly, if it were not for them I would be in worse shape than I am.

I think at times my wife even loves me as much as them. At times.......................................... :D
by frugalhen
Thu Dec 26, 2013 8:26 am
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 6456

Re: Which Med school?

If you want to specialize in a highly competitive field then the school will matter, but in MOST cases it will not. I agree with a prior post that after 1 year nobody will care where you went to school. I live in the Philadelphia area and actually some of the top doctors in cardio thoracic surgery, ...
by frugalhen
Wed Dec 25, 2013 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Which Med school?
Replies: 137
Views: 10672

Re: Bryn Mawr [College]

Living in the area and knowing people who graduated there I can confirm most of the comments ring true. Why she wants to go there academically and socially is key. Here are my observations about Bryn Mawr: Academically a premier school/sister of Haverford /Swarthmore In the heart of the main line an...
by frugalhen
Thu Dec 19, 2013 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 3962

Re: Your Favorite Funds that You Don't Own

Tweedy Browne global Value fund- held it for 10 years. And could not justify the expense ratio any longer.

Dodge and Cox stock and international
by frugalhen
Tue Dec 17, 2013 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Your Favorite Funds that You Don't Own
Replies: 36
Views: 3750

Re: Good book for gift to high school senior?

"How to ruin your life" by Ben Stein. Funny, good advice and short.
by frugalhen
Mon Dec 16, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Good book for gift to high school senior?
Replies: 31
Views: 1621

Re: What's financially wrong with starting your career at ag

On the human side: If ones heart is all in it and has been for a long time and KNOWS what the day to day will be then go for it Keep in mind the enormous physical drain doing so at this age with residency hours, it is a stamina issue On the financial: It may not be too bad if you can pay for some or...
by frugalhen
Sun Dec 15, 2013 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: What's financially wrong with starting your career at age50?
Replies: 64
Views: 5900

Re: Recommend a good pair of slippers!

Love my LL Bean "Wicked Good Slippers"! (wearing the moccasin's as I type) http://www.llbean.com/llb/shop/474?nav=gnro-hp#/llb/shop/511926?nav=gnro-474&page=wicked-good-slippers +1 I'm wearing them too! :D Super comfy, have had this pair for the last 5 years - worth the money. +2
by frugalhen
Tue Dec 10, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: Recommend a good pair of slippers!
Replies: 47
Views: 4197

Boglehead Conference re: Bonds

First off, thanks for posting these links, it is wonderful information and really makes me want to attend the next Bogleheads conference!!! I was really intrigued by the conversation of the panel experts regarding the challenge of bonds and income today. My take away from this discussion was: • Reme...
by frugalhen
Tue Dec 10, 2013 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Conference re: Bonds
Replies: 3
Views: 553

Re: Comfort food

I cut out most carbs from my diet, and so the only remaining comfort food is this one: http://cdn1.bigcommerce.com/server4700/8e7d6/products/2541/images/1233/gg_cracker__41288.1357335932.220.220.jpg Victoria I know I know. Now you made me feel bad! But not enough to stop me Friday if it is in the 2...
by frugalhen
Tue Dec 03, 2013 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 3658

Re: Comfort food

as it dips into the freezing area I NEED to hit my favorite Italian byob, YUM. Ziti, angel Hair and meatballs, Angel Hair w crabmeat and roasted peppers........................................................
by frugalhen
Tue Dec 03, 2013 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 3658

Best "Indirect Financial advice" you ever received?

What was the best "indirect" financial advice you ever received? For example:

Marry the right person
Live below your means
by frugalhen
Tue Nov 12, 2013 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best "Indirect Financial advice" you ever received?
Replies: 66
Views: 3392

Re: Car Wax

Here are some good ones to protect your clear coat/paint:

Turtle wax ICE
Meguiars
collinite

Nu Finish is not bad, easy to go on but less protection
by frugalhen
Fri Oct 04, 2013 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Car Wax
Replies: 42
Views: 2757

Re: Car dealer refusing to repair car

Seems like you have two separate problems: the correct diagnosis and the warranty. As long as there is confusion as to the diagnostics one cannot know what to do. Whether dealer or local, this depends entirely on the technician. I would take it to another dealer, explain you have a leak and request ...
by frugalhen
Fri Oct 04, 2013 3:25 am
 
Forum: Personal Consumer Issues
Topic: Car dealer refusing to repair car
Replies: 54
Views: 4977

Re: How much would you pay for a used car?

Unfortunately Accord V6's are known for tranny issues. This engine issue is due to a tensioner freezing up. When the timing belt and water pump were replaced at 90k the tensioner was not. Apparently this is optional but most shops advise people to do it. Wish I had known. I now am spending a lot whe...
by frugalhen
Tue Oct 01, 2013 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much would you pay for a used car?
Replies: 9
Views: 894

How much would you pay for a used car?

I am spending a few thousand to get a new engine in my Honda. The car is 8 years old and the body is in super shape with 4 new tires. After taking meticulous care of it I had some bad luck and long story short am in a situation where I wonder if I should take my chances nothing else big will happen ...
by frugalhen
Mon Sep 30, 2013 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much would you pay for a used car?
Replies: 9
Views: 894

My firecalc need for certainty

:) I think firecalc is a great tool, but I notice I have a psychological need to manipulate things to achieve the closest level of certainty of success. I plug in my current savings, estimated spending, years to retirement and investigate the likelihood of having $500k In my portfolio at my death at...
by frugalhen
Fri Sep 06, 2013 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: My firecalc need for certainty
Replies: 20
Views: 1517

Re: car maintenance ... how to save

I am amazed at some of the advice here, like doing zero preventative maintenance. The most important things to do are these: Follow the owners manual for major maintenance Change oil at 10k with a good full synthetic oil or 7500 miles if you drive it hard Drain and fill tranny oil every 30k Change t...
by frugalhen
Sat Aug 17, 2013 2:04 pm
 
Forum: Personal Consumer Issues
Topic: car maintenance ... how to save
Replies: 37
Views: 2680

International Bonds

With Vanguard offering an international bond fund, I wonder what Boglehead opinions are on where, if at all, an international bond index fits in ones portfolio?
by frugalhen
Mon Jun 17, 2013 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 2
Views: 310

Re: Remember this Memorial Day

May God bless all of those fallen and all that sacrificed so we can live in this great land!
by frugalhen
Sun May 26, 2013 9:19 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Remember this Memorial Day
Replies: 14
Views: 1481

Re: When to get an oil change?

amazing how some think it is being frugal to make up their own timing on the single most important thing you can do to keep your car in good shape. Follow the owners manual maintenance and you will run almost any car over 200k in miles. Most Hondas are 7500 miles unless you punish your cars with a t...
by frugalhen
Sat May 18, 2013 7:56 am
 
Forum: Personal Consumer Issues
Topic: When to get an oil change?
Replies: 35
Views: 2400

Cash versus bonds-Why not?

I have a 75/25 allocation and a 15 year time horizon until retirement. My question is simply this, with interest rates at historic lows and the prospects for bonds less than thrilling, why not rebalance my portfolio with stocks/cash rather than stocks/bonds? Am I wrong to think there is an advantage...
by frugalhen
Mon May 13, 2013 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash versus bonds-Why not?
Replies: 54
Views: 4968

Re: How Much Did You Spend on Your Engagement Ring??

$10,000 7 years ago. I remember Amex calling the merchant to see if everything was ok because I never spent anywhere near that much! :sharebeer
by frugalhen
Thu May 09, 2013 3:59 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 19058

Re: Why are you a boglehead ???

came from an upper middle class background, watched my parents earn a lot then lose it all through poor planning. It created an enormous amount of stress in our homelife. watching seniors struggle to pay their bills is not what I ever want for me or my kids.
by frugalhen
Sun Apr 21, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 3636

Re: Daycare closing for 1 day (no power) Claim credit?

As a general rule, I don't like to knit pick with people who take care of my children. Fwiw, I also don't knit pick in restaurants with people who handle my food :)
by frugalhen
Fri Mar 22, 2013 11:58 am
 
Forum: Personal Consumer Issues
Topic: Daycare closing for 1 day (no power) Claim credit?
Replies: 35
Views: 1829

Re: Daycare closing for 1 day (no power) Claim credit?

dm200 wrote:As long as I was satisfied with folks taking care of my child, I would not, under any circumstances, do anything to have them angry at me - especially for a paltry sum of $30!



Bingo!
by frugalhen
Fri Mar 22, 2013 6:57 am
 
Forum: Personal Consumer Issues
Topic: Daycare closing for 1 day (no power) Claim credit?
Replies: 35
Views: 1829

Jack Bogle deserves the Presidential Medal of Freedom

I was recently reading a book by Phil Demuth and he cited Jack Bogle and suggests he is worthy of a Presidential Medal of Freedom. What a great idea! I can think of few people who have done more, with integrity to help provide a fair return for the common investor and saver than Jack Bogle. A Presid...
by frugalhen
Thu Mar 21, 2013 5:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle deserves the Presidential Medal of Freedom
Replies: 6
Views: 920

Re: Do you use an accountant? Why or why not?

My taxes are not overly complex, some mutual fund income and a spouse working in a different state. I have always used turbo tax. A few years ago I had a $15000 amount due on my turbo tax. I sold a lot of investments and was worried. I then paid $500 to an accountant to do my taxes. The amount came ...
by frugalhen
Thu Mar 21, 2013 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you use an accountant? Why or why not?
Replies: 34
Views: 1793

Re: The Fine line between responsible and selfish/material

All the money won’t help if you have a terrible disease or are in a lousy marriage. Money cannot buy health (to a degree) and you have to make good life choices. There are certainly a lot of poor people who are happy and rich people who are miserable. Some of the clichés are apropos, you really can’...
by frugalhen
Sun Mar 17, 2013 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8470

Re: The Fine line between responsible and selfish/material

I have some major goals (paid off house, two State U college educations fully funded, retirement mid-50's) that happen to require a lot of money. I set our savings and frugality at just the level to reasonably meet those goals and no higher. The objective of money is to meet our goals, not a contes...
by frugalhen
Sun Mar 17, 2013 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8470

Re: The Fine line between responsible and selfish/material

it constantly amazes me how fear acts as a motivator. I can't speak for others but it certainly motivates me. I agree giving is an antidote to greed.
by frugalhen
Sun Mar 17, 2013 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8470
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