Search found 522 matches

by LadyIJ
Tue Mar 22, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

Thanks, but I would not consider a Golf. It's between a 2013 or 2014 Acura TSX or 2011 Lexus ES350. They fit my parameters for comfort (bad back) and interior luxury. I'll start a new post, because this one's subject matter has changed.
by LadyIJ
Mon Mar 21, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

We test drove the 2013 Lexus ES350. I didn't like the seats. The interior of the 2012 was much nicer and much more comfortable. So that's my dilemma now: 2013 TSX 4 cylinder or 2012 Lexus - V6 - with CPO's. Pros and cons as I see them thus far: 2012 is pretty old for the Lexus and it has the old gri...
by LadyIJ
Fri Mar 18, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

The last rev of the TSX had uninspiring performance compared to the previous rev and many didn't like the redesigned of the front end. The front end was substantially modified during the MMC for the 2G TSX (2012 I believe). The same issue was also addressed during the MMC for the TL although I thin...
by LadyIJ
Fri Mar 18, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

The TSX is fine reliability wise as far as I know but the new TLX's have had various issues mostly stemming, it seems, from the dual clutch transmission. The last rev of the TSX had uninspiring performance compared to the previous rev and many didn't like the redesigned of the front end. The people...
by LadyIJ
Fri Mar 18, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

I wouldn't worry about supply too much but here is the caveat. Are you looking for a rock bottom low price? I talked with an Acura dealership at a car show and I was telling the salesman how I liked the old TSX wagons but couldn't find any used. He told me if I was really set on that model to email...
by LadyIJ
Thu Mar 17, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

Ignore the dealer, he's just trying to get you to buy now. Still, there is data to indicate that you'll have a harder time finding 2014 vs 2013. Note that TSX model year begins April the year before calendar year. I don't think last model year is going to be a major factor in fewer lease returns, b...
by LadyIJ
Thu Mar 17, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

Generally speaking sales for a particular model do trail off as you get later in the model year. Some people hold off to wait for the major redesign (in this case would be for the '15 TLX) or look for newer model competitors. So there might not be that many '14 CPOs as say '13 or '12. But I doubt i...
by LadyIJ
Wed Mar 16, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Anyone living in a retirement/55+ community?
Replies: 44
Views: 7570

Re: Anyone living in a retirement/55+ community?

My wife and I did this while still living near our home in the northeast. Tried it for one year. Beautiful community with pleasant folks and friends nearby. We knew within a VERY short period of time that it was not for us. While we were the average age of everyone (mid 60s also) it was still too "...
by LadyIJ
Wed Mar 16, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Anyone living in a retirement/55+ community?
Replies: 44
Views: 7570

Re: Anyone living in a retirement/55+ community?

My wife and I did this while still living near our home in the northeast. Tried it for one year. Beautiful community with pleasant folks and friends nearby. We knew within a VERY short period of time that it was not for us. While we were the average age of everyone (mid 60s also) it was still too "...
by LadyIJ
Wed Mar 16, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Anyone living in a retirement/55+ community?
Replies: 44
Views: 7570

Re: Anyone living in a retirement/55+ community?

My wife and I did this while still living near our home in the northeast. Tried it for one year. Beautiful community with pleasant folks and friends nearby. We knew within a VERY short period of time that it was not for us. While we were the average age of everyone (mid 60s also) it was still too "...
by LadyIJ
Tue Mar 01, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 571
Views: 134299

Re:

Stonebr wrote:1) 3) Paying for WSJ subscription with frequent flyer miles that are about to expire.
Thanks, I've had some I couldn't use (and they make it so hard to use the miles - no direct flights, etc!" I just got the WSJ for 39 weeks :) !!
by LadyIJ
Tue Mar 01, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

Also consider looking at Ebay Auto. I purchased a CPO vehicle (3 years old - off lease) from an out of state dealer (had it delivered to my front door). While a lot of folks would not consider a purchase in this manner, it worked out well. I received a discounted price, drove the car for 7.5 years ...
by LadyIJ
Tue Mar 01, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

The last car we bought was 'low volume' so I bookmarked a few places and would check every day or two to get a feeling for inventory and options. Autotrader, carmax, and craigslist. I had them all bookmarked on my iPhone which made it easy to check in just a few minutes. Once we saw something that ...
by LadyIJ
Tue Mar 01, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

[quote="Jags4186Very very few people who lease cars buy them at the end. I highly doubt you'll have trouble finding a CPO 2014 TSX.[/quote] Okay, the dealer was trying to make me think all the 2014's were Bought and I wouldn't find a CPO. I'm going to wait until I get what I want. I would take a 201...
by LadyIJ
Tue Mar 01, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

One I test drove has been sitting on the lot for about 2 months since I drove. If you like this particular car, you could give them a low offer. If it has been sitting for 2 months, perhaps they will be anxious to sell it. I loved it but no back-up camera and no tech package. The one that has all t...
by LadyIJ
Tue Mar 01, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Re: Want to buy 2014 Acura TSX - turned in lease

I know it's a great car - and made in Japan, just wondering what thoughts are on whether I'll be able to snag a 2014, when will people be turning them in, of they will be. I'm thinking the leases would start coming due near end of 2016? I don't know, I never bought a pre-owned certified before. I bo...
by LadyIJ
Tue Mar 01, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6030

Want to buy 2014 Acura TSX - turned in lease

I really like the discontinued TSX. There are approximately 10 2013's in my area for sale (certified pre-owned). Only a couple have the Tech package (navigation and back-up camera). One I test drove has been sitting on the lot for about 2 months since I drove. They range from about $20,000 to $23,00...
by LadyIJ
Sat Feb 13, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA/social security scenarios
Replies: 13
Views: 1408

Re: SPIA/social security scenarios

With regard to your solution, I guess I have to agree. Sigh. That was my plan all along - take spousal and wait until 70 for my own. I never even had thought of SPIAs until I read Oblivious Investor's book and some other Quinn? I just got scared with the stock market fluctuations and started thinki...
by LadyIJ
Sat Feb 13, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA/social security scenarios
Replies: 13
Views: 1408

Re: SPIA/social security scenarios

I just got scared with the stock market fluctuations and started thinking of options. But I know you are right. When you say dedicated bond holding, I take it you are not talking about bond index funds? bonds or government bonds? I like your way of thinking and I think another take away is to consi...
by LadyIJ
Sat Feb 13, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA/social security scenarios
Replies: 13
Views: 1408

Re: SPIA/social security scenarios

A few thoughts . . . mostly tax related . . Certainly do not start SS at near the end of a year when you have worked most of the year. Your SS benefits would likely be fairly highly taxed that year. Delay a least a couple months to start in the next year. Based on what I have read about SPIAs, the ...
by LadyIJ
Sat Feb 13, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA/social security scenarios
Replies: 13
Views: 1408

Re: SPIA/social security scenarios

If I were you I would first reduce the complexity a bit by taking some scenarios off the table entirely, at least for the time being. 1) Rule out taking SS before 70 2) Rule out buying any SPIAs before age 70 You can estimate what size portfolio you need to support your spending needs at age 70, wh...
by LadyIJ
Fri Feb 12, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA/social security scenarios
Replies: 13
Views: 1408

Re: SPIA/social security scenarios

ultimately, just a matter of when to take ss, when to take SPIAs - the combos.
by LadyIJ
Fri Feb 12, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA/social security scenarios
Replies: 13
Views: 1408

SPIA/social security scenarios

This is very detailed, so only read if you like playing with numbers and retirement variables - I would truly appreciate any input. I'm going round and round trying to do excel spreadsheets. My CPA wants nothing to do with this :) and I don't blame him, it's not his job. I was going to retire last y...
by LadyIJ
Fri Jan 08, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: AT&T/DirecTV bundles - any tips
Replies: 13
Views: 1952

AT&T/DirecTV bundles - any tips

currently have: $66 a month Comcast internet (25 Megabits) $85 a month DirecTv (Select Package) $40 a month home phone (land line) - unlimited long distance but no features (call waiting, caller ID) I want to call AT&T over the weekend to see what kind of bundles I can get - I've been dragging my fe...
by LadyIJ
Fri Jan 01, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: I'm down 2.5% for 15'
Replies: 41
Views: 4299

Re: I'm down 2.5% for 15'

Some of you folks are being hard on me, I just wanted to point out what happened to me. Sheesh, I love Vanguard and what they stand for. I do own four individual stocks, Ford, Medtronic, RIG and Health Care Reit. I've been wondering what to do with these positions. I'm about even on three of the fo...
by LadyIJ
Fri Dec 18, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: setting my retirement date - am I thinking of everything?
Replies: 14
Views: 1756

Re: setting my retirement date - am I thinking of everything?

in case you haven't already seen these threads: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=126968 (although many responses focus on federal employee benefits,other suggestions may apply to you) and https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0ahUKEwi...
by LadyIJ
Thu Dec 17, 2015 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: setting my retirement date - am I thinking of everything?
Replies: 14
Views: 1756

Re: setting my retirement date - am I thinking of everything?

Retirement is a demanding career. You will have to: 1) Maintain your physical health with diet and exercise 2) Keep an active social life 3) Control your finances 4) Strengthen your relationships with those closest to you 5) Plan activities that keep you involved and interested in life 6) Spend tim...
by LadyIJ
Thu Dec 17, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: setting my retirement date - am I thinking of everything?
Replies: 14
Views: 1756

Re: setting my retirement date - am I thinking of everything?

I can't tell from your post if you have done a comparison of income to expenses. If you haven't that is the next step I'd take. It sounds like you are on the right track by considering things like the continued availability of health insurance and delaying SS, but you need to get a handle on expens...
by LadyIJ
Thu Dec 17, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: setting my retirement date - am I thinking of everything?
Replies: 14
Views: 1756

Re: setting my retirement date - am I thinking of everything?

This is really important . . . died last weekend at 68 and his wife is in total shock - they were both planning to work until 70 . . . Wow, this is life !!! Nobody on their deathbed has ever said "I wish I had spent more time at the office" (famous quote, I have no idea where it came from but it is...
by LadyIJ
Thu Dec 17, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: setting my retirement date - am I thinking of everything?
Replies: 14
Views: 1756

Re: setting my retirement date - am I thinking of everything?

Don't retire from something. Retire to something. What are you planning to do in retirement? 1. spend time with my husband who is 15 years older than I am - our good friend just died last weekend at 68 and his wife is in total shock - they were both planning to work until 70. 2. spend more time get...
by LadyIJ
Thu Dec 17, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: setting my retirement date - am I thinking of everything?
Replies: 14
Views: 1756

setting my retirement date - am I thinking of everything?

I've decided after delaying the retirement for a year (I was supposed to have gone - in my head - last February). So it will either be the last paycheck of February or March 11th. Finis. I need to stay through the end of the year to get my full firm contribution. At that point I will have money in a...
by LadyIJ
Wed Dec 09, 2015 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Good way to track income and expense?
Replies: 28
Views: 2939

Re: Good way to track income and expense?

What you describe is how and why my own Excel spreadsheet workbook has grown in time (20+ years ) to multiple workbooks of about a dozen sheets each, plus the main one with about 100 sheets. It's a hobby with me and I would not give this up; the information it gives me is too valuable. Me too, thou...
by LadyIJ
Fri Dec 04, 2015 4:53 pm
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 3163

Re: Ford Edge or Nissan Murano or Something Else

would you consider a comparable Honda or Toyota? I don't know the models - as I'm in the market for another sedan. My husband has 1998 Nissan Pathfinder, and it's doing well; however, our trusted mechanic advised me not to get a Nissan. For reliability he recommended Toyota, Lexus, Honda, Acura, Su...
by LadyIJ
Fri Dec 04, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 3163

Re: Ford Edge or Nissan Murano or Something Else

would you consider a comparable Honda or Toyota? I don't know the models - as I'm in the market for another sedan. My husband has 1998 Nissan Pathfinder, and it's doing well; however, our trusted mechanic advised me not to get a Nissan. For reliability he recommended Toyota, Lexus, Honda, Acura, Sub...
by LadyIJ
Fri Dec 04, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

I find the seats very comfortable. As an added note, I am 6'3", 230lbs. Though not sure if they would be as comfortable for you with the issue you mentioned. Have you also considered a Toyota Camry? I do believe it's the same seat basically as the 2003 and that generation - the only way I'll find o...
by LadyIJ
Fri Dec 04, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: AT&T changed me to Uverse without my consent
Replies: 18
Views: 2824

Re: AT&T changed me to Uverse without my consent

My phone still works. How do I know? I thought of calling 911 to see if they had my address (lol). Seriously, how do I take her word for it? Can you think of anyway to check? If your phone works and the AT&T tech did not touch any of the phone wiring at your house then you are on POTS and not Uvers...
by LadyIJ
Fri Dec 04, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Update of Honda Accord Dilemma

OP, I just wanted to add my own little anecdote for you. I bought a brand new 2012 Honda Accord in November of 2011. It is the base model with leather seats. Anyway, I am at 45k miles and this car has literally been a flawless machine. It is not a fun drive, road hugging acceleration machine but it...
by LadyIJ
Thu Dec 03, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: AT&T changed me to Uverse without my consent
Replies: 18
Views: 2824

Re: AT&T changed me to Uverse without my consent

I've had my own battles with AT&T and it doesn't surprise me that they did this to you LadyIJ or that they are putting you through so much grief and hassle to try to straighten it out. AT&T...<sigh>... I have no good words for them. Here's one thing you should be aware of: when they disconnect your...
by LadyIJ
Wed Dec 02, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: AT&T changed me to Uverse without my consent
Replies: 18
Views: 2824

Re: AT&T changed me to Uverse without my consent

Did you read your original contract with them? You might have given permission then. Sounds like they just updated you to a new technology. Asking for your social and brithdate are just to confirm you are who you say you are over the phone. That seems pretty standard. Maybe I stated the facts uncle...
by LadyIJ
Wed Dec 02, 2015 1:14 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

Honda's reliability has greatly declined in the past 5 years, and it's now why we're a Ford family. Please update us in 5 years about the reliability of your Fords. IMHO, the only 2 Fords that are worth it is are the Mustang and the F-150. Would never personally buy a Ford - Japanese cars only - or...
by LadyIJ
Wed Dec 02, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: AT&T changed me to Uverse without my consent
Replies: 18
Views: 2824

Re: AT&T changed me to Uverse without my consent

Yes, now they are trying to restore my home number - I've been on the phone for almost 2 hours, and I cannot believe they can change your service without your permission. If I lose my original phone number I will be extremely ticked - have had it for 28 years. Does this sound like a BBB issue? I kno...
by LadyIJ
Wed Dec 02, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

Do any Accord drivers know when they changed to leather seats from luxurious cushiony to hard? 2007 would be too old for a used car IMO
by LadyIJ
Wed Dec 02, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: AT&T changed me to Uverse without my consent
Replies: 18
Views: 2824

AT&T changed me to Uverse without my consent

I was in a local AT&T office a couple of weeks ago and a girl tried to talk me into bundling AT&T internet with Uverse phone service for a good rate. I like my Comcast internet for the speed and the home line for the "911" feature. I said I would think about it. Following weekend, we're coming home ...
by LadyIJ
Wed Dec 02, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

Honda's reliability has greatly declined in the past 5 years, and it's now why we're a Ford family. Please update us in 5 years about the reliability of your Fords. IMHO, the only 2 Fords that are worth it is are the Mustang and the F-150. Would never personally buy a Ford - Japanese cars only - or...
by LadyIJ
Wed Dec 02, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

The problem with the 03 is it was the first year of the Gen 7 accords. You should never get the first model year of a generation, just as you should never buy a first gen Apple product -- they need time to work out the kinks. OTOH, I got the same car before I knew any better. Still going strong, wi...
by LadyIJ
Tue Dec 01, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

Honestly on the insurance i'm not sure. It may just be that people who drive the TSX have higher accident rates. The TSX is about a $30K car (when new), but the insurance on my $45K BMW is less go figure. I absolutely love the seats on the TSX, they are some of the best I've experienced, and as ano...
by LadyIJ
Tue Dec 01, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

Thank you! so good to know. Now for figuring out why the insurance is so high! :oops: I think it is partly due to higher incidence of theft for the TSX, plus it will not have any active collision mitigation/blind spot radar/etc... safety features. A backup camera was optional. The new loaded Accord...
by LadyIJ
Tue Dec 01, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

The TSX is a great car! Reliable Honda inline 4 cylinder with timing chain, much higher content than a basic accord, fantastic HID headlights, excellent ride/handling, and if you get a sedan you have the choice of automatic or 6-speed manual transmission. Either is fuel efficient. Agree with others...
by LadyIJ
Tue Dec 01, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

This is where I stumbled across the Continental suggestion. There are a couple other options listed there also. It appears to be a well-traveled owners forum that should have quite a few people with first hand experience(that aren't trying to sell anything). http://www.tsxclub.com/forums/1st-gen-wh...
by LadyIJ
Tue Dec 01, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11551

Re: Honda Accord broke down last night

I've been doing some planning for my next new-to-me car and the Acura T* was one I've considered. The tires thing caught my attention so I looked up what replacement tires were required. I'm not seeing anything too exotic nor expensive. Per a tsx ownes forum, the Continental ExtremeContact DWS seem...