Search found 472 matches

by LadyIJ
Tue Feb 06, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep money to get to Social Security at age 70?
Replies: 14
Views: 1221

Re: Where to keep money to get to Social Security at age 70?

Sum-day wrote:
Tue Feb 06, 2018 3:45 pm
I'd put together a CD ladder.
I agree - I was going to say at least put half in a 2 year cd . .
by LadyIJ
Sun Jan 28, 2018 2:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 17
Views: 3495

Re: Chicagoland Master Thread

I would be interested in attending if the meetings were in the morning or early afternoon, but not to come downtown at night. Thanks and I'll keep an eye out for any changes.
by LadyIJ
Wed Jan 24, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16223

Re: Dear wife quits job and now we are down to 1 income

you can handle it - good for your wife. A 5 month old baby needs to be cared for by someone who loves it - you guys are young - cut expenses and she can go back to work in 5 years.
by LadyIJ
Tue Jan 09, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31022

Re: What frugal thing did you do today?

Dasnyc wrote:
Sat Jan 06, 2018 3:56 am
Sorry folks, but some of these ‘frugalities’ are quite disturbing. Piggybacking on another’s laundry? Knowingly purchasing and then returning books, after consuming the content? These go waaaay beyond frugal. Let’s get a grip on the ethics of our choices!
well said!
by LadyIJ
Tue Jan 09, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31022

Re: What frugal thing did you do today?

While in the laundromat I noticed a woman putting her clothes in a dryer. On the phone she told a friend she would be right over. A half hour walk was no problem. So I opened her dryer + threw my clothes in with hers. Got dryed for free. She never knew. This definitely transcends "frugal" and shoul...
by LadyIJ
Thu Jan 04, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31022

Re: What frugal thing did you do today?

Paid a bill online. Then I used the window envelope that came with a bill to send a letter to a friend. Had fun aligning the typewritten address with the window - something I learned to do in high school. I'd also like to weigh in on returning books (or any other item) to the seller after you use t...
by LadyIJ
Thu Jan 04, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31022

Re: What frugal thing did you do today?

I read fairly fast. So I returned the books that I got from Amazon the other day for free returns. Don't bend the spine or crinkle the pages. Return as received in brand new condition. Most books are not worth keeping unless reference or something to gift or pass on. I don't know if others do this....
by LadyIJ
Thu Jan 04, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31022

Re: What frugal thing did you do today?

I like to be frugal, but I don't like cheating or using people - like mooching off people for meals, or returning books to Amazon that I read. Come on people! That's not "frugal". My frugality today: I am going to discontinue HBO and Showtime. Curb Your Enthusiasm season is over. We're using our Ama...
by LadyIJ
Wed Dec 27, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

thanks for all the comments - we do like an AWD - right now the Pathfinder can go FWD to AWD. I agree with the poster that said get rid of the Pathfinder before it breaks down. Snowtires are a royal pain to have someone put on and take off each season - I may look into all weather tires for the Acur...
by LadyIJ
Tue Dec 26, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

Get rid of Pathfinder and get Accord/Camry with snow tires. AWD and SUV's are overrated. Exactly, especially considering the midwest is mostly flat. No matter 2WD or 4WD, they all stop (or don't) the same in the snow. However sitting at a stoplight facing slightly uphill on snow pack, I would take ...
by LadyIJ
Tue Dec 26, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

Get rid of Pathfinder and get Accord/Camry with snow tires. AWD and SUV's are overrated. Funny you say that, because I had an old Accord with good old tires and it was dynamite in the snow. I don't like the new ones as much - heard the new Camrys are sharp, but the question really is which to repla...
by LadyIJ
Tue Dec 26, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

PFInterest wrote:
Tue Dec 26, 2017 1:42 pm
im sorry, you think youll get 30k for a 19 year old pathfinder with 150K miles?
NO!!! it will be our cost for a certified pre-owned SUV - being that the old Pathfinder won't be worth that much.
by LadyIJ
Tue Dec 26, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Car/SUV - which to replace first

OKAY, I've been retired for 10 months and my thinking is already fuzzy - lol. It seems like every decision is a BIG one, most likely since there is no paycheck coming in and nobody knows how long this bull market will continue. I could use some good reasoning Boglehead minds here, if you don't mind ...
by LadyIJ
Sat Oct 28, 2017 4:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 309
Views: 44516

Re: Roll Call for the Retirement Class of 2017!

I'm currently clearing out my office; there is some space for emeritus faculty so I'm going to move a few things and keep them in there. Aside from that, I'll have two or three hours of committee-related work to do in July, then I'll be done. I'm not sure I'll really feel retired, though, until clo...
by LadyIJ
Sun Sep 17, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 16
Views: 2083

Re: Free credit monitoring for AAA members

I just signed my wife up this week. I think the service is of minimal value. They do say that benefits vary by AAA region. For us: free daily monitoring of Experian report (including email alerts of changes). Plus stuff like identity theft insurance, fraud resolution support and "lost wallet assist...
by LadyIJ
Thu Sep 14, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Experian - credit freeze and credit card hacked
Replies: 11
Views: 2475

Re: Experian - credit freeze and credit card hacked

If there is a fraudulent charge on an existing credit card, your bank can/will handle it. The Attorney General is not going to care about a 87 cent issue, especially one that has existing procedures in place to fix it (issue you a new card, clear the fraudulent charge). Coincidence on the timing pe...
by LadyIJ
Tue Sep 12, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Experian - credit freeze and credit card hacked
Replies: 11
Views: 2475

Re: Experian - credit freeze and credit card hacked

I went online and froze my credit with the big 3 - Experian being the only one that charged me $10. I did this yesterday. I see the $10 charge to Experian on my charge but was emailed this morning by my bank that someone fraudulently tried to charge my credit card (the one I used) .87. Yes. 87 CENT...
by LadyIJ
Tue Sep 12, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Experian - credit freeze and credit card hacked
Replies: 11
Views: 2475

Experian - credit freeze and credit card hacked

I went online and froze my credit with the big 3 - Experian being the only one that charged me $10. I did this yesterday. I see the $10 charge to Experian on my charge but was emailed this morning by my bank that someone fraudulently tried to charge my credit card (the one I used) .87. Yes. 87 CENTS...
by LadyIJ
Tue Sep 12, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 8305

Re: Equifax - credit freeze is now free?

So what's the point of a free year of credit monitoring? It's not like credit card numbers or passwords were stolen... Social security numbers with all the other information will be on the dark web in perpetuity. What's the point of monitoring, they already have your info. This breach is a game cha...
by LadyIJ
Mon Sep 11, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 8305

Re: Equifax - credit freeze is now free?

So what's the point of a free year of credit monitoring? It's not like credit card numbers or passwords were stolen... Social security numbers with all the other information will be on the dark web in perpetuity. What's the point of monitoring, they already have your info. This breach is a game cha...
by LadyIJ
Mon Sep 11, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 8305

Re: Equifax - credit freeze is now free?

I don't pay a fee in NJ. But I wonder if they adjusted the terms absconding themselves from liability due to the breach. I didn't read them closely. I think the terms in question were associated with signing up for the free year of "TrustedID Premier" credit monitoring. I don't think the terms ever...
by LadyIJ
Sun Aug 27, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 10205

Re: Living Expenses - what's "reasonable"?

My response to the OP is that how much you spend in retirement depends a lot on what you spent (and how you spent it) before retirement. It also depends on your spouse if you have one, and his/her spending habits. It also depends on whether or not you're the kind of person who pays for your grandch...
by LadyIJ
Sun Jul 30, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 72
Views: 18430

Re: Schwab brokerage incentive $2,500 - - - thoughts?

There's a thread dedicated to the subject: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=19688 The ones I mentioned are quality brokerages that many here use. However, if you want mutual funds then they'll be more expensive and you won't be able to get Vanguard Admiral or equivalent funds. ...
by LadyIJ
Sat Jul 29, 2017 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 72
Views: 18430

Re: Schwab brokerage incentive $2,500 - - - thoughts?

I spoke to my Fidelity Rep March before I retired and thought I had time to get the cash incentive by rolling over from 401k. I called Fidelity today and that cash incentive is gone. Sorry my advisor did not inform me - I'm out about $1,200. Does anyone know of a reputable firm that is offering the...
by LadyIJ
Fri Jul 28, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 72
Views: 18430

Re: Schwab brokerage incentive $2,500 - - - thoughts?

I spoke to my Fidelity Rep March before I retired and thought I had time to get the cash incentive by rolling over from 401k. I called Fidelity today and that cash incentive is gone. Sorry my advisor did not inform me - I'm out about $1,200. Does anyone know of a reputable firm that is offering the ...
by LadyIJ
Tue Jul 18, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 18915

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
Tue Jul 18, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 7303

Re: Beware Citibank Bonus Promotion

I'll pay ya $500 to endure aggravation for 6 months. Not worth it! ha ha - not aggravation for ONE month (the last one)! Just wait until you get your 1099 from Citi next year, that's when the real fun will begin ! My husband and myself got our checking bonus of $400 and $600 respectively. The 2016 ...
by LadyIJ
Sat Jul 15, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3917

Re: Urgent 1st world problem [coffeemaker]

when our 12 year old Cuisinart broke and we saw how cheaply made the new coffeemakers were, we went to our local thrift shop and bought an old coffeemaker for $10 and it is wonderful. That cheap stuff from China is awful. If we see more old beauties at garage sales, we'll buy another one or two. I'm...
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: 309
Views: 44516

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: 50
Views: 7883

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 washi...
by LadyIJ
Mon Jun 19, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 7883

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 to be broke...
by LadyIJ
Sat Jun 17, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 7303

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 threatening call fo...
by LadyIJ
Sat Jun 17, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 7303

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: 50
Views: 7883

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: 39
Views: 7303

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" for t...
by LadyIJ
Fri May 12, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 7303

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: 39
Views: 7303

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 and just lose the pr...
by LadyIJ
Thu May 11, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 7303

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: 39
Views: 7303

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: 105
Views: 18915

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: 309
Views: 44516

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: 105
Views: 6385

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: 105
Views: 6385

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: 309
Views: 44516

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: 309
Views: 44516

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 more challeng...
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: 309
Views: 44516

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: 3705

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: 750

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: 750

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: 750

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...