Search found 507 matches

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: 5975

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: 5975

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: 1385

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: 1385

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: 1385

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: 1385

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: 1385

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: 1385

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: 1927

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: 4238

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: 1724

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: 1724

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: 1724

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: 1724

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: 1724

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: 1724

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: 2894

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: 3049

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: 3049

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: 11434

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: 2803

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: 11434

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: 2803

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: 2803

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: 11434

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: 2803

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: 11434

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: 2803

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: 11434

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: 11434

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: 11434

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: 11434

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: 11434

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: 11434

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: 11434

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...
by LadyIJ
Tue Dec 01, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

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...
by LadyIJ
Tue Dec 01, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

The Acura TSX is a bit more expensive to maintain, but it really is a great car for the price, style, and reliability. I miss the one we sold after 9 years. Other than the rotors needing replacment more often, it was a perfect car. The Acura is the european Honda and often can be purchased for the ...
by LadyIJ
Mon Nov 30, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

...This dealer said they would match the Car Max estimate and I do get the 5 year warranty on the Acura. Now I'm pausing because of previous post showing Consumer Report on reliability. I thought Acura was the same as Honda. Anyway, thank for the collective great thoughts and I appreciate anymore o...
by LadyIJ
Mon Nov 30, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

I know this probably isn't the answer you want but Honda makes a few really amazing things. 1. Accord. 2. 4-cylinder engines 3. Manual transmission/clutches Obviously skill can play a key in maintaining the service life of certain components but there are a few things I've never had problems with a...
by LadyIJ
Mon Nov 30, 2015 5:05 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

Update! Well, I was kind of hoping it was the transmission, since Honda would have given me a new one with a new 3 year warranty. I still have almost a year and one-half warranty on the trans. However, it was an axle. Under $300 to fix. So that was a no-brainer. Now I'm thinking I have some time to ...
by LadyIJ
Mon Nov 30, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

Just so you know I sold a totaled (both airbags deployed and transmission was shot) 1996 Honda Accord station wagon with ~230k miles on it for $250. I put it on CL for $500 and had multiple offers but ended up selling it to a neighbor whose son loves 90's Accords. They were interested in it long be...
by LadyIJ
Sat Nov 28, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

One tidbit of information. If your back is truly up against the wall and you need a car immediately - RENT one for a week or two and do your research while you shop around. Our vehicle died at the 160,000 mile mark and we were pressed for time with multiple commitments at the time. In retrospect, w...
by LadyIJ
Sat Nov 28, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

It's a 2003 V6 about 145,000 miles we are on the 3rd transmission. Scrap it for parts. FWIW - I might consider objectively seeing if there's something about the way you drive that contributes to early transmission failure. No nothing about how we drive. The 2003 Honda Accord had a serious trans pro...
by LadyIJ
Sat Nov 28, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

we'll see what's wrong, mainly - the car has SOME trade in value - just wondering how to go about getting it to another dealer if I don't want Accord. Of course they are busy and we may not know what's wrong until Monday, in the meantime we will go to the dealerships and start test driving, research...
by LadyIJ
Sat Nov 28, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Re: Honda Accord broke down last night

It's a 2003 V6 about 145,000 miles we are on the 3rd transmission. 2003 was an awful year for the Accord V6. I don't know if I want a new Accord, maybe a Nissan, would have to research and test drive. We thought we had another year to look around. I'm retiring in 2016 and knew I would need a new, re...
by LadyIJ
Sat Nov 28, 2015 7:37 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11434

Honda Accord broke down last night

We are on our 3rd transmission, I believe we have a 3 year warranty - paperwork at work but my memory is pretty good. we had the car towed to the dealer in hopes that it IS the transmission, we get it replaced and then have trade in value. We've sunk too much money into this car - 1-1/2 years ago we...
by LadyIJ
Tue Nov 24, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How One Calculates 25 Times Income for Retirement Needs
Replies: 12
Views: 2474

Re: How One Calculates 25 Times Income for Retirement Needs

I've read numerous places and in Mike Piper's book about retirement that one needs 25 times their pre-tax income. I'm wondering how others calculate that - I know you add taxes, vacations, etc, but do you add cars. Also what if your needs are one figure for age 62-66, another for 66-70 and then ano...
by LadyIJ
Tue Nov 24, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: How One Calculates 25 Times Income for Retirement Needs
Replies: 12
Views: 2474

Re: How One Calculates 25 Times Income for Retirement Needs

Taking these one by one. To start this is a very rough calculation. Second it is 25x spending, not income. And yes if this is a 401K type account need to factor in taxes. Vacations and the like are part of first starting to figure out you income need/desire. Simplest is you calculate $X every year ...
by LadyIJ
Tue Nov 24, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How One Calculates 25 Times Income for Retirement Needs
Replies: 12
Views: 2474

Re: How One Calculates 25 Times Income for Retirement Needs

Oh yes, that's right, but the gist of my question is how to calculate since the income needed changes - it's not one flat income required for 30 years, it graduates downward as I would collect no social security, then spousal, then at 70.
by LadyIJ
Tue Nov 24, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: How One Calculates 25 Times Income for Retirement Needs
Replies: 12
Views: 2474

How One Calculates 25 Times Income for Retirement Needs

I've read numerous places and in Mike Piper's book about retirement that one needs 25 times their pre-tax income. I'm wondering how others calculate that - I know you add taxes, vacations, etc, but do you add cars. Also what if your needs are one figure for age 62-66, another for 66-70 and then anot...