Search found 444 matches

by LadyIJ
Thu Jun 22, 2017 7:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 160
Views: 18007

Re: Roll Call for the Retirement Class of 2017!

I can't believe I did it!! I have been agonizing about the decision to retire for several years now. I just celebrated my 59th birthday and I feel emotionally and financially prepared. I gave my notice today and will work my last day July 11th!! I am so excited about this next chapter in my life! T...
by LadyIJ
Mon Jun 19, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 51
Views: 6141

Re: Anyone use "MyPillow" pillows?

I wouldn't order a pillow online. MyPillow has great marketing but their medical claims are dubious at best. 10 year warranty is ridiculous. You should change pillows every 2-3 years IMO. Bed Bath & Beyond has a good selection which I have found very comfortable. why change pillows? I've been w...
by LadyIJ
Mon Jun 19, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 51
Views: 6141

Re: Anyone use "MyPillow" pillows?

I like the one I bought at WalMart but when we ordered the "better" one from the company, it was too firm. I've had mine (from Walmart) for a couple of years and love it. Update: I still love my MyPillow from Walmart. We bought one for my husband and it was too firm. I'm thinking it has t...
by LadyIJ
Sat Jun 17, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5700

Re: Beware Citibank Bonus Promotion

To reiterate - once I called and threatened to file with the Consumer Fraud Protection Bureau, and had them open an "investigation" I DID get my money in a few weeks - so that was a few weeks after the initial couple of months - not bad, but I had to do that. I had to do the same threateni...
by LadyIJ
Sat Jun 17, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5700

Re: Beware Citibank Bonus Promotion

heybro wrote:I'll pay ya $500 to endure aggravation for 6 months.

Not worth it!


ha ha - not aggravation for ONE month (the last one)!
by LadyIJ
Mon Jun 05, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 51
Views: 6141

Re: Anyone use "MyPillow" pillows?

I like the one I bought at WalMart but when we ordered the "better" one from the company, it was too firm. I've had mine (from Walmart) for a couple of years and love it.
by LadyIJ
Sun May 14, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5700

Re: Beware Citibank Bonus Promotion

I put $50,000 for the $500 bonus. It was represented to me as 90 days. Upon reading the fine print, it's 60 days after you meet the 90 day requirement, which makes it a lower interest rate. The $50k has to stay in for 60 days (recently went past that) and then you have to wait "up to 90 days&q...
by LadyIJ
Fri May 12, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5700

Re: Beware Citibank Bonus Promotion

after hearing how many of you had similar problems, I'll go somewhere else. Chase is more reputable - I got my bonus no hassle. That is ridiculous on their part - spread the word I guess.
by LadyIJ
Fri May 12, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5700

Re: Beware Citibank Bonus Promotion

I got my money yesterday, but I had to threaten to file with the Consumer Financial Protection Bureau. Would I do it again? I guess - but I will read all the fine print and make sure the banker dots every "i" and crosses every "t". I wonder how many people don't fight and pursue ...
by LadyIJ
Thu May 11, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5700

Re: Beware Citibank Bonus Promotion

BUT, they're saying I'm disqualified because I did not sign up for paperless, even though I'm sure I did, because I do everything paperless. So to keep the money in there another 60 days and not get anything when I can invest in the market, forget it. I'll be filing with CFPB, but even if they do pa...
by LadyIJ
Wed May 10, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 38
Views: 5700

Beware Citibank Bonus Promotion

I put $50,000 for the $500 bonus. It was represented to me as 90 days. Upon reading the fine print, it's 60 days after you meet the 90 day requirement, which makes it a lower interest rate. Then I was told when I called the 800 number that I was disqualified because I did not sign up for paperless -...
by LadyIJ
Mon Apr 03, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 90
Views: 14733

Re: Comfortable Vehicle Front Seats

Lexus 350 RX We had a close call with my husband's older Pathfinder and, although we are repairing, we will also start preparing to get a new SUV - the Lexus 350 RX is on the top of my list - will also look at the Murano and whatever comparable SUVs in Infiniti and Acura. Seat comfort is up there f...
by LadyIJ
Mon Apr 03, 2017 3:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 160
Views: 18007

Re: Roll Call for the Retirement Class of 2017!

retired for one month now, and I do not miss the alarm AT ALL. I never thought I would stay in bed until 8 a.m. but I am. And I am not missing work a bit and have already met some new people in my neighborhood and am getting a nice routine going. Good luck, but you won't need it :)
by LadyIJ
Sat Apr 01, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4642

Re: What's your personal criteria for deciding whether or not to rent a car?

Another consideration: What about having a fender bender in your own car? That devalues your car as it is reported on CarMax. As with leasing a car, when you rent, you have the fender bender, pay the deductible and you are good to go. Not that one plans to have an accident, but I don't think anyone...
by LadyIJ
Thu Mar 30, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4642

Re: What's your personal criteria for deciding whether or not to rent a car?

Another consideration: What about having a fender bender in your own car? That devalues your car as it is reported on CarMax. As with leasing a car, when you rent, you have the fender bender, pay the deductible and you are good to go. Not that one plans to have an accident, but I don't think anyone ...
by LadyIJ
Thu Feb 23, 2017 5:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 160
Views: 18007

Re: Roll Call for the Retirement Class of 2017!

April 1, 2017! The decision to leave this early has been much tougher than I had ever expected. I'll be taking a huge 30% hit in my pension for leaving 5 years early, and there will be 5 years' less savings. So retirement income will be significantly reduced compared to waiting until 60. However, t...
by LadyIJ
Thu Feb 23, 2017 5:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 160
Views: 18007

Re: Roll Call for the Retirement Class of 2017!

The only negative thing I can report about retiring at age 67 is that all the ideas I had about how active my life was going to become, doing all the things I wanted to do when I retired ran into one slight complication - a little thing called "arthritis". It turned out to be a little mor...
by LadyIJ
Fri Feb 17, 2017 5:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 160
Views: 18007

Re: Roll Call for the Retirement Class of 2017!

March 3, 2017 will be my last day of work. I thought I would retire 3 years ago, and kept putting it off, raising the bar, but a few weeks ago I just went in and gave notice. So glad I pulled the trigger. Bogleheads has been very helpful along the way.
by LadyIJ
Fri Dec 16, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: Any experience with the Sleep Number bed?
Replies: 24
Views: 3164

Re: Any experience with the Sleep Number bed?

Had to answer - although by now you may have already purchased a bed. We've had our sleep number for about 20 years. We have replaced a few parts - that is nothing compared to buying a totally new mattress and boxspring. That's a real positive. It's multilayered -- you can also open it and replace f...
by LadyIJ
Tue Dec 06, 2016 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: tax break now or later
Replies: 5
Views: 615

Re: tax break now or later

Congrats on your retirement! I've been retired for a year and a half, and it's awesome. I'm in a somewhat analogous position to yours, in that I could take an income tax holiday next year (or really any year) by withdrawing my living expenses from taxable. (Long-term capital gains + SS = zero feder...
by LadyIJ
Tue Dec 06, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: tax break now or later
Replies: 5
Views: 615

Re: tax break now or later

aww, thanks! I'm excited (and scared) :happy
by LadyIJ
Tue Dec 06, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: tax break now or later
Replies: 5
Views: 615

tax break now or later

I'm getting ready to FINALLY retire, and I will only be working one month next year. In 2017 I have two ways to go. 1) take a minimal IRA withdrawal $8- $10K and this way we will pay no taxes at all, get refunded all taxes I paid in January. (i.e., stay under the $32,000 for couples and husband owes...
by LadyIJ
Tue Oct 25, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Infiniti M37
Replies: 18
Views: 2286

Re: Infiniti M37

[quote="edge"]These are not comparable cars. No one, who knows what they are looking for, cross shops infiniti and lexus. It is like cross shopping buick (comfort) and bmw (sport). I see you point - HOWEVER, when you want one the "BIG THREE" Japanese car companies and go up to lu...
by LadyIJ
Thu Oct 20, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Infiniti M37
Replies: 18
Views: 2286

Re: Infiniti M37

MY FIL had an older infiniti. It didn't give him many problems. That being said, Lexus is a known for superb reliability, comfort and quiet cabin. I don't think you can go wrong either way, but I'd give Lexus the edge. OP bought and sold Acura first, now is considering Infiniti. There is a certain ...
by LadyIJ
Wed Oct 19, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Infiniti M37
Replies: 18
Views: 2286

Re: Infiniti M37

I have the G37. It is an absolute pleasure to drive it and the comfort is awesome. No issues at all. I test drove Q. They improved the technology stuff which I think G/M series lacked a bit, but did not have the the same drive/style feel. I would also recommend good tires and they reduce road noise...
by LadyIJ
Wed Oct 19, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Infiniti M37
Replies: 18
Views: 2286

Re: Infiniti M37

My husband had the M37 and really enjoyed it. Unfortunately he totaled it earlier this year. He fully intended to get the exact same car (maybe one year newer) but after test driving all kinds and researching ad nauseum, he ended up going with a year old Cadillac ATS. He didn't like the new Q versi...
by LadyIJ
Wed Oct 19, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Infiniti M37
Replies: 18
Views: 2286

Re: Infiniti M37

I don't have one myself. but I know people with both G37s and M37s and they all are very happy with them. I also know those with the new Q series (Q-70 equivalent to M37) who are not happy and seriously considering selling and going back to a low mileage M37. I did read that the M's are better than...
by LadyIJ
Wed Oct 19, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Infiniti M37
Replies: 18
Views: 2286

Infiniti M37

I'm thinking of getting a CPO 2013 Infiniti M37 (test drove one and loved it). Some of you may recall I had bought a 2013 Acura TSX which I wanted to get rid of due to the seat being hard - comfortable for a little while but not for an hour or two. Also low to the ground. Great gas mileage though an...
by LadyIJ
Fri Sep 30, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement reality check
Replies: 36
Views: 7412

Re: Early retirement reality check

The figures do not equate to me either as others have noted (the amount of take home, expenditures and savings). Waiting to hear from OP.
by LadyIJ
Wed Sep 21, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 77
Views: 13161

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

This is a great discussion. Thanks. It was a good read for me. I am considering between the same three cars, however the priority factor in a car for me is COMFORT, since I have back pain issues and a 45-60 mile drive to work each way. So I'm trying to figure out which car gives the best combinatio...
by LadyIJ
Thu Aug 18, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 4043

Re: vacation ideas - October

I would think MAYBE Nashville. We do like entertainment. We' "ok" with country music (just "ok") but it might be interesting. Well then visit Memphis, where the music is blues, rock, rockabilly, and (only sometimes) country. If you like to travel via train, the City of New Orlea...
by LadyIJ
Wed Aug 17, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 4043

Re: vacation ideas - October

we tend to want more to do at night, plays, concerts, dinners out by the water. so why is everyone suggesting the Great Smoky Mountains, the North Carolina Mountains, Traverse City/UP, the beach at Hilton Head, and fall colors in New England? I'd suggest: Stratford festival, Stratford, ON Quebec Ci...
by LadyIJ
Tue Aug 16, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 4043

Re: vacation ideas - October

We will be celebrating an anniversary and live in the Midwest (north suburbs of Chicago). Willing to drive up to 9 hours. I am recovering from a surgery, so we cannot go hiking, boating, skiing - would love to just see something beautiful - we tend to want more to do at night, plays, concerts, dinn...
by LadyIJ
Tue Aug 16, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 4043

Re: vacation ideas - October

MrNewEngland wrote:I think everyone is underestimating the drive to New England.

I think so, as did I.
by LadyIJ
Mon Aug 15, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 4043

vacation ideas - October

We will be celebrating an anniversary and live in the Midwest (north suburbs of Chicago). Willing to drive up to 9 hours. I am recovering from a surgery, so we cannot go hiking, boating, skiing - would love to just see something beautiful - we tend to want more to do at night, plays, concerts, dinne...
by LadyIJ
Thu Jul 21, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Negotiating car insurance premium with Geico
Replies: 28
Views: 3661

Re: Negotiating car insurance premium with Geico

GEICO, like most sophisticated modern auto insurers, uses what is known as tiering. Each company has a specific rating plan based on filings approved by the insurance department. The tiering algorithm decides which one is best for you based on the information you provide when you call. That will be...
by LadyIJ
Thu Jul 21, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Negotiating car insurance premium with Geico
Replies: 28
Views: 3661

Re: Negotiating car insurance premium with Geico

Called Geico and the discount for owning BRK is a ridiculous $14 of the 1K I am paying. Will quote around and switch. thanks. Hmm. I just called Geico and they told me NO discount for owning BRK. I wonder what the difference is? We have had our two automobiles insured with them for a number of year...
by LadyIJ
Tue Jun 28, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company
Replies: 34
Views: 4278

Re: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company

The DirecTV installer came by this morning. He said the dish, which has been on our roof for years, had not been installed right. Over time, the brace had gotten loose and altered the direction of the dish. He moved the dish to another location on the roof with a new brace. He also gave us a new re...
by LadyIJ
Tue Jun 28, 2016 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 11813

Re: Please help! Buyer's remorse, need advice

Okay, a couple of months ago I posted about buying the wrong car and knew it right away. I got tons of responses and my head was spinning. I had an old Honda Accord that I LOVED and convinced myself I needed a new car before I really did, and bought a tad smaller, sportier Acura (certified pre-owned...
by LadyIJ
Wed Jun 22, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 24788

Re: I bought the wrong car - know it after 15 days

Can you explain what changed? I'm curious as well. Four pages of talk about how the OP's medical condition(s) would definitely not work with the current vehicle...did the seats change, or did the medical condition(s)? I don't really know. I THINK it's great for around the neighborhood and maybe 40 ...
by LadyIJ
Tue Jun 21, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 56
Views: 13582

Re: Bed sheets like they used to be?

Oh, I do hear you. back in '85 I used to have beautiful Percale sheet sets - I can't remember if they were Wamsutta? Beautiful hemstitches, laced, scalloped edges, and super soft and quality. We still have ONE top sheet and it's like new. No, I haven't been able to find anything like it. We have had...
by LadyIJ
Tue Jun 21, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 24788

Re: I bought the wrong car - know it after 15 days

Update: I now almost love the car - it took awhile to get used to the new seats. I'm going to keep it for awhile :) :sharebeer
by LadyIJ
Tue Jun 21, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 6402

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

If you love the car, would the dealer let you trade it in for another 2013 (same year, same model) as a Certified Pre-Owned? Even if you got one with less mileage and had to spend a little, I know how it is when you love a car, and at least you could get I think a 2 year warranty with the CPO.
by LadyIJ
Tue Jun 14, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: BMO routed my money to wrong bank - advice?
Replies: 6
Views: 562

Re: BMO routed my money to wrong bank - advice?

I'm hoping to get someone who has some knowledge of banking and bank transfers that can offer some advice.

I found out it's the Consumer Financial Protection Bureau if anyone needs to know.
by LadyIJ
Tue Jun 14, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: BMO routed my money to wrong bank - advice?
Replies: 6
Views: 562

Re: BMO routed my money to wrong bank - advice?

Is it unreasonable to request they give you your money back now , while they recover the money from Deutsch Bank, since it was BMO's error? Exactly how was it BMO's error? Whose error would it be? They routed the money that came from ME from my bank at CHASE to another bank. It was an error, not mi...
by LadyIJ
Tue Jun 14, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: BMO routed my money to wrong bank - advice?
Replies: 6
Views: 562

Re: BMO routed my money to wrong bank - advice?

Can you arrange a 3-way or 4-way phone conversation? Can you sit in someone's office and do the same thing? I just reached out to my local branch manager where we got the HELOC. I'm just wondering what my recourse will be if I still don't have my money in the next week or two. It's just gone off to...
by LadyIJ
Tue Jun 14, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: BMO routed my money to wrong bank - advice?
Replies: 6
Views: 562

BMO routed my money to wrong bank - advice?

I erroneously paid online to the wrong HELOC (recently closed) at BMO. Instead of transferring to new HELOC, they said they sent it back ACH electronically back to Chase. Chase did not receive. I spent HOURS on the phone each bank transferring me around, putting me on hold, asking me millions of ID ...
by LadyIJ
Tue Jun 07, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: CostCo Citi card arrived. But we didn't apply for it.
Replies: 31
Views: 3678

Re: CostCo Citi card arrived. But we didn't apply for it.

I wonder if one gets hit with an annual charge on the Amex if you do not cancel once you receive the new Costco card? I'm thinking yes.
by LadyIJ
Thu Jun 02, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: neighbor issue - do I need a fence?
Replies: 90
Views: 8358

Re: neighbor issue - do I need a fence?

I sympathize and empathize. We have neighbors who are impossible to deal with - it started 25 years ago. I put up a stockade between the back yards and basically ruined their view. Had to do it. Long story, but similar to yours. I figured, we could not win with people that felt as "entitled&quo...
by LadyIJ
Sun May 29, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: re: Best time to take Social Security benefits
Replies: 7
Views: 1150

Re: re: Best time to take Social Security benefits

Age 70 for me is the best time to take SS. 3.7 years to go for me. This assumes no health issues of significance... Ditto - age 70, although I'll be taking out of my funds until then. You don't necessarily have to retire and then immediately take social security. Taking it at 70 is like buying your...

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