Search found 539 matches

by LadyIJ
Mon May 05, 2014 9:23 am
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

Latest: It took quite enough doing - on hold, being transferred, etc. but they agreed to sell all in brokerate at today's close and buy from my non-managed account FSTVX, FSIVX and FSITX in the same asset allocation blend at the close of business price closing today as well, so I think that should b...
by LadyIJ
Sun May 04, 2014 6:45 pm
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

ok - thanks for the great tip.
by LadyIJ
Sun May 04, 2014 6:36 pm
Forum: Personal Consumer Issues
Topic: About Time
Replies: 2
Views: 753

Re: About Time

Haven't seen it, but will look into it. You make a really valid point that I think about from time to time. I'm so OCD about spreadsheets, charts, numbers, planning while others are having a good time! But can't help myself - it's my "fun"!
by LadyIJ
Sun May 04, 2014 3:45 pm
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

LadyJ, I'm with you. You were prudent to move a portion of the portfolio to other management when you felt less equipped to manage it yourself. Now you are ready to take over the reins on that "safe haven" portion of your portfolio. And the index fund approach recommended here will work nicely for ...
by LadyIJ
Sun May 04, 2014 3:36 pm
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

LadyJ, I'm with you. You were prudent to move a portion of the portfolio to other management when you felt less equipped to manage it yourself. Now you are ready to take over the reins on that "safe haven" portion of your portfolio. And the index fund approach recommended here will work nicely for ...
by LadyIJ
Sun May 04, 2014 2:54 pm
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

Thanks mpt for pointing out shortcomings. I had a very bad year emotionally last year. Live and learn - I know my possible shortcomings with regard to investing and that doesn't mean I cannot or should not try to overcome them. I get what you are saying but jeesh!
by LadyIJ
Sun May 04, 2014 12:15 pm
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

Why do you think that you can't move in kind as that's a pretty standard move and if Fidelity won't let you investigate another brokerage HOWEVER the big concern I have is you're still talking like a market timer worrying about big drops that you won't be able to avoid and such which is what I woul...
by LadyIJ
Sun May 04, 2014 12:12 pm
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

Some advice: If you are panicking because of one day plus/minus, you absolutely need to have someone else manage your money. Based on your behavior, it seems to me that you are NOT ready to manage your money by yourself. Someone earlier told you to "think long term". Do that! No matter what will ha...
by LadyIJ
Sun May 04, 2014 11:14 am
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

I might be able to place a sell all and buy in my traditional at a similar allocation on the same day. I'll call them early a.m. I will post the answer in case this comes up for anyone else. Yes, all retirement funds.
by LadyIJ
Sun May 04, 2014 10:39 am
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

I'm not so worried about being out of the market on a great day as selling $200,000 on a day that may be down a lot, because at 11 a.m. you don't know if the sky will fall in between that time and 3 p.m. close of market and this is another precautionary tale of the "managed account" as there is less...
by LadyIJ
Sun May 04, 2014 10:13 am
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

"by dbr » Sun May 04, 2014 10:08 am Wait till Monday and call Fidelity and ask them. There is no reason you need to get out of this particular account one day rather than another. This must be two different IRA accounts both at Fidelity. As posted above it isn't clear that you can't just move the as...
by LadyIJ
Sun May 04, 2014 10:10 am
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

Re: I want out of Fidelity Managed Account - ideas

"Can they transfer everything "in kind", so you won't be selling (or buying) anything during the transition? If not, can you transfer, say, 1/4 at a time to lessen your concern about being out of the market? (Being out of the market can work either way, but it's easiest/safest just to avoid that if ...
by LadyIJ
Sun May 04, 2014 9:48 am
Forum: Personal Investments
Topic: I want out of Fidelity Managed Account - ideas
Replies: 33
Views: 4168

I want out of Fidelity Managed Account - ideas

Ok, because I managed my portfolio for decades and did ok - I panicked last year when I could do "no right" and transferred $200,000 into Fidelity's Managed Account to "test it". Yes, it did "ok" but what I've been doing since I've become a Boglehead has done better. Now the $550 charge every quarte...
by LadyIJ
Thu May 01, 2014 2:43 pm
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

Re: 2nd bad trans Honda Accord - next car? Subaru?

The Acura I like - they are discontinuing the TSX - now will morph into the TLX more $$$ darn. I'm not buying 2014 as I want to drive the '03 Accord with the "new" remanufactured transmission (3 year warranty) for about a year. BUT, I at least cannot take money out until 2015 - so MAYBE, if the Acur...
by LadyIJ
Thu May 01, 2014 1:43 pm
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

Re: 2nd bad trans Honda Accord - next car? Subaru?

Is CVT the same as turbo charged. Because our mechanic said not to go with turbo charged. I will try the Mazda6, Acura and look again at the Acura.
by LadyIJ
Thu May 01, 2014 1:38 pm
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

Re: 2nd bad trans Honda Accord - next car? Subaru?

I guess we will look at cars without the CVT or VCM - they are too new really to judge. I just love my darn money, and I can't stand that we had to shell out so much on the Honda this week. Unexpected. Will check the Toyota Camry w/the V6 (we just test drove the 4 cylinder) also the Acura. Thanks al...
by LadyIJ
Thu May 01, 2014 12:00 pm
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

Re: 2nd bad trans Honda Accord - next car? Subaru?

quickfoot: Thanks, a lot of good information there. I have never heard of breakdown insurance - I will check into that. I would love to keep a car for at least 10 years, we only put about 127K on my Accord in 10 1/2 years. I'm just disheartened - writing a check for $2740 today ($2140 for the transm...
by LadyIJ
Thu May 01, 2014 11:52 am
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

Re: 2nd bad trans Honda Accord - next car? Subaru?

Yes, I understand that, and as I was trying to say: the NEW problem was with the VCM on Honda's V-6 engine and according to the settlement the affected models are Accord 2008-2012. First, Not All Accord has V-6 engine. Second, this is not very NEW as the last affected model year is 2012 model. I was...
by LadyIJ
Thu May 01, 2014 10:38 am
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

Re: 2nd bad trans Honda Accord - next car? Subaru?

According to Consumer Reports, the most reliable sedan is the Toyota Camry. So, far no CVT transmissions and no variable cylinder management technology. I'm a long term Honda guy, but I'm leery of the problems with VCM in the V-6 engine. I'm also a little leery of CVT transmissions, even though the ...
by LadyIJ
Thu May 01, 2014 9:38 am
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

Re: 2nd bad trans Honda Accord - next car? Subaru?

Armeliuse: there is some NEW problem arising - not the transmission - I think engine related! So I'm a bit "gun-shy" but we could always get the extended warranty and trade in at 7 years. Bogglegrappler: We were totally not excited with the Camry, but we will test drive a Lexus (but the price!) Good...
by LadyIJ
Thu May 01, 2014 8:34 am
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 5947

2nd bad trans Honda Accord - next car? Subaru?

due to this wonderful community of Boglers I see the new Accords (V6) are problematic. We test drove a Subaru Legacy last night - I wouldn't rule it out but still am loving the Nissan mid-size vehicles. Any input would be most welcome. If you read my previous issue - we got Honda to pay for 55% of o...
by LadyIJ
Wed Apr 30, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

I don't know, really! They love the Honda (which I will NOT buy again) and say the they see more Nissans in the shop for repair than Hondas. Hmm. Also they love Subaru's and Hyundai's. I may look at the Legacy but I really love the style and comfort of the Altima and Maxima. Do you own one?
by LadyIJ
Wed Apr 30, 2014 8:54 am
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

From what I've read they finally fixed the design defect in new transmissions, but it appears to still exist in the factory rebuilt ones ... which is what they're putting in your car. Unfortunately, Honda now has a new problem in their V6 models ... this time with the engine. The ones with variable ...
by LadyIJ
Tue Apr 29, 2014 4:00 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

hmmm. I will lhave to find out if warranty is transferable. If not, drive it for 3 years and not for long trips (which could screw up my early retiremnet plans) OR that's a good thought - if transferable, sell in about a year or less. I can't call the dealer again today - lol. It was a no-brainer to...
by LadyIJ
Tue Apr 29, 2014 2:48 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

Not with this transmission and its problems. The rebuilt ones are failing repeatedly, prematurely, too. It appears that they didn't really fix the design defect. jimb jimb_fromATL Posts: 356 Joined: 10 Nov 2013 Location: Atlanta area & Piedmont Triad NC and I-85 in between. Private message Yes, I ag...
by LadyIJ
Tue Apr 29, 2014 2:46 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

Thanks! I sure hope so! I know there will be tune-ups, etc. I think it will be cheaper in the long run to keep it awhile (3 years at least). Thanks all for your insights.
by LadyIJ
Tue Apr 29, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Money For Nuthin', ...
Replies: 26
Views: 5022

Re: Money For Nuthin', Chicks For Free

we got about $400 for moving some money in - about $400,000 I think - Fidelity
by LadyIJ
Tue Apr 29, 2014 10:48 am
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

it wasn't low, but orangish - burnt. Won't let that happen again - going to be much more careful - thank goodness Honda came through with what they did or I would have been really down - hey - houses, cars - they are BIG investments. :oops:
by LadyIJ
Tue Apr 29, 2014 10:28 am
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

do most of the routine maintenance on my vehicles myself. I drain and refill the auto trans fluid at every oil change as a best practice. While 50k or 100k miles are the generally recommended change intervals by the OEMs, I would love to hear how you plan to change all of the trans oil in one shot @...
by LadyIJ
Tue Apr 29, 2014 9:49 am
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

result: Honda America will pay 50% got the dealer down - we will pay $2140 - 3 year warranty. I'm thinking drive the car - new tires, new timing belt and we'll get our money's worth for 3 years - engine good. Knock wood. It pays to go "higher". Now I have time to figure out what next new car will be...
by LadyIJ
Tue Apr 29, 2014 8:34 am
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

Per your owner's manual: "Replace [transmission fluid] at 120,000 miles (192,000 km) or 6 years, then every 90,000 miles (144,000 km) or 5 years." If I were Honda, I'd want to see your fluid change-out records which should have occurred sometime in 2012 or 2013 (5 or 6 years), based on the new (rebu...
by LadyIJ
Mon Apr 28, 2014 4:28 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

"Maybe Honda will pay for half of the rebuilt if you let them off the hook for any future problems?" Thanks JT, that's interesting - I will bring that up - I hope to hear from them tomorrow. Thanks to all the great Bogleheads I'm armed with some really good info. BTW, I know a good "boglehead" (and ...
by LadyIJ
Mon Apr 28, 2014 4:05 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

Most newer cars don't have scheduled transmission fluid changes until 100k miles. I once had a manual transmission car that supposedly never needed to have the transmission fluid changed. Have you tried an independent shop for a quote? I just took a quick look on ebay and a remanufactured transmissi...
by LadyIJ
Mon Apr 28, 2014 4:02 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

Since the thing seems like it was not due for changing, according to the manual, wonder what maintenance records related to the trans would they even be looking for? (I'm surprised the manufacturer is willing to pay anything, in any case, given that the car is 11 years old.) Sorry - I didn't address...
by LadyIJ
Mon Apr 28, 2014 4:00 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

can't imagine they would take the old fluid and put it in the new transmission, but maybe torque converter is separate and would have retained some of the old fluid? But anyway, usually a drain and refill does not change 100% of fluid either...maybe 1/3 to 1/2? Since the thing seems like it was not ...
by LadyIJ
Mon Apr 28, 2014 2:57 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

wow, thanks for that information. I felt so awful hearing we had not replaced it and haven't looked at the manual. They said they would initially, so maybe I have a chance and with a 3 year warranty - I would feel ok about spending $2500 (about). Thanks, can't wait to go home and check that manual.
by LadyIJ
Mon Apr 28, 2014 2:18 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

wouldn't even know how to go about that. my options are: 1. if Honda America will still pay 1/2 (even though we don't have transmission fluids records) I would go with them 3 yr. warranty. If they don't $4,700 - way too much (I think) 2. Go to a reputable transmission place and have them rebuild min...
by LadyIJ
Mon Apr 28, 2014 1:27 pm
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 6105

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

Ok, help Bogleheads! I have a 2003 Accord EX-L V6 - 1st transmission went 2007 (44,000). Honda replaced. Now 127,000 their re-manufactured one is going. Honda Corproate said they wanted the maintenance records and I said "oh yes, it's been maintained" as husband and his mechancis took really good ca...
by LadyIJ
Thu Apr 03, 2014 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 5449

Re: How did you determine your "number" for retirement

You may not need as much as you think, although it's ok to have more, of course, but if you want to get out of work and retire early and enjoy life, consider this: Say your expenses are $60K a year and you expect to live another 30 years and you multiply 60K times 30 = $1,800,000. BUT, you don't nee...