Search found 469 matches

by LadyIJ
Mon Nov 30, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 11277

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: 11277

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: 11277

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: 11277

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: 11277

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: 11277

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: 11277

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: 11277

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: 2419

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: 2419

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: 2419

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: 2419

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...
by LadyIJ
Mon Nov 09, 2015 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 58384

Re: Changes to Social Security

Yes, thanks so much
by LadyIJ
Sun Nov 08, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 58384

Re: Changes to Social Security

He is being so gracious, but it is confusing for some of us, so much to read. Here's my scenario - looking for some assurance it will still work: will turn 62 this month. DH already collecting. My plan is to wait until I'm FRA and collect spousal benefits (1/2 of his PIA) this won't be until 2019. T...
by LadyIJ
Tue Nov 03, 2015 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 3074

Re: What happened ???? Fidelity Retirement Investment Planner

Yes, I know - very disconcerting as I plan to retire shortly and kept putting in various scenarios, such as car in 2017, etc. I was warned they were going to change it, but WAM. They didn't include a lot of info and said my retirement savings would last 5 years instead of 34. I saw the one time expe...
by LadyIJ
Mon Nov 02, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Need help choosing Medigap Plan
Replies: 39
Views: 3298

Re: Need help choosing Medigap Plan

It IS all very confusing the whole Medigap thing. I had my husband on my insurance through work and January 2013 we switched him to Medigap. We went to SHIP and they had a rate sheet and we saw that the Mutual of Omaha (MOO) Plan G was the cheapest (we're in Illinois). It has gone up about $15 a mon...
by LadyIJ
Tue Oct 27, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Very low income in early retirement...opportunities?
Replies: 30
Views: 4019

Re: Very low income in early retirement...opportunities?

"While you might avoid the capital gains tax, it could raise your adjusted gross income and that may cause more of your Social Security benefits to be taxed or it could potentially affect other deduction phaseouts." http://www.foxbusiness.com/personal-finance/2014/04/01/no-capital-gains-taxes-due-fo...
by LadyIJ
Tue Oct 27, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Very low income in early retirement...opportunities?
Replies: 30
Views: 4019

Re: Very low income in early retirement...opportunities?

Can you convert IRA's to Roths when you are not working? I'm guessing you can, but I was planning on looking into that myself as we would like to have one very low tax (or now tax) year (2016) and start converting some 2017 and after.
by LadyIJ
Thu Oct 15, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: It's official No SS COLA [Social Security Cost-of-Living Adjustment]
Replies: 66
Views: 4519

Re: It's official No SS COLA

So what does this mean to people who are just turning 62 this year? I know it means DH won't get a raise, but for me? I don't want to take until 70 -- does it affect the FRA and the amount ss online statements project for 70?
by LadyIJ
Fri Oct 02, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 30299

Re: Name your top favorite tv shows

Late Show with Steven Colbert
Ray Donovan
Last Comic Standing
by LadyIJ
Thu Sep 24, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: Netflix vs. Amazon Prime question - re wifi use
Replies: 10
Views: 1337

Re: Netflix vs. Amazon Prime question - re wifi use

harrychan wrote:Make sure you use Amazon video app. I used the instructions here and it worked flawlessly! It has instructions for iOS and Android devices.

http://firetvblog.com/2015/09/how-to-wa ... s-offline/
Thank you!
by LadyIJ
Thu Sep 24, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Netflix vs. Amazon Prime question - re wifi use
Replies: 10
Views: 1337

Re: Netflix vs. Amazon Prime question - re wifi use

An alternate method is to tether your mobile phone's data connection to your laptop/tablet for streaming movies while on the train. This only works if you have an unlimited data plan and the ability to tether your phone, though, which most people nowadays don't have. Most unlimited data plans cap s...
by LadyIJ
Thu Sep 24, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Netflix vs. Amazon Prime question - re wifi use
Replies: 10
Views: 1337

Re: Netflix vs. Amazon Prime question - re wifi use

Yes you can download Amazon Prime videos for offline viewing (downloading some shows right for my up coming flight). I believe they just started this within the last couple of weeks. It is a great feature. You can download as many as you want (as far as I can tell). But once you start watching one ...
by LadyIJ
Thu Sep 24, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: Netflix vs. Amazon Prime question - re wifi use
Replies: 10
Views: 1337

Netflix vs. Amazon Prime question - re wifi use

I see Amazon is offering Prime at a good price tomorrow only. I'm planning on buying either the new ipad or laptop this weekend. We have WiFi at home and I have it at work, but I want to watch tv shows and movies on the long train ride to and from work. Do both let you download via wifi and then wat...
by LadyIJ
Tue Sep 22, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: questions on the 'finer points'
Replies: 35
Views: 3341

Re: Medicare: questions on the 'finer points'

I would never go to a doctor like Toofache32. Heaven forbid. I'm not on Medicare, I have a great BCBC PPO plan, but if I knew my doctor felt this way about patients in general, I would leave his practice. Some doctors actually go into practice to help people, and they make a nice living regardless. ...
by LadyIJ
Sun Aug 30, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Blue collar worker and millionaire dream
Replies: 32
Views: 5679

Re: Blue collar worker and millionaire dream

Yes, of course you can! I don't think it has to do with blue collar/vs. white collar. A lot of white collars are paid less. I don't see an issue with you becoming a millionaire at all, just follow the bogleheads advice and you will most certainly do it. We did, but of course, we sacrificed - don't e...
by LadyIJ
Tue Aug 04, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 68
Views: 8060

Re: WSJ article on Medicare Premium Spike

it's very hard to figure out one's future budget when everything goes up. That's a steep increase. One pays B, but then needs supplement and Part D. My husband's doctor wanted to switch one of his meds - Humana does not cover it, and it has no generic. Its' $300 a month. Now granted, if you have mil...
by LadyIJ
Tue Aug 04, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 68
Views: 8060

Re: WSJ article on Medicare Premium Spike

The statistics on who takes social security and when are very sobering. Only 1-2% wait until his/her 70th birthday, so clearly there isn't a lot of planning with those in mind. I guess they also make it very hard for laypeople to understand. If I sign up now for ss (will be 62 later this year) and ...
by LadyIJ
Tue Aug 04, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 68
Views: 8060

Re: WSJ article on Medicare Premium Spike

Ron wrote:Already under discussion:

viewtopic.php?f=2&t=170153

- Ron

Thanks.
by LadyIJ
Tue Aug 04, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 68
Views: 8060

Re: WSJ article on Medicare Premium Spike

^ That's exactly what the articles touches on. It hasn't happened yet so we should keep an eye on it. But there appears to be a possibility that those pulling in a decent income while holding off on starting social security may be severely punished. it's pretty awful. You plan to defer taking ss as...
by LadyIJ
Tue Aug 04, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 68
Views: 8060

WSJ article on Medicare Premium Spike

[Thread merged into here, see below. --admin LadyGeek] Does anyone understand this? "Up to another 1.6 million people are potentially affected because they receive Medicare but have deferred claiming their Social Security benefits or aren’t eligible for those benefits. If they are paying the standa...
by LadyIJ
Mon Aug 03, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 2540

Re: Spousal Benefits - so confusing

Thanks all.
by LadyIJ
Mon Aug 03, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 2540

Re: Spousal Benefits - so confusing

Thanks all.
by LadyIJ
Mon Aug 03, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 2540

Spousal Benefits - so confusing

Sorry beforehand, because I posted a question previously about social security, but now here's another twist. my husband has been collecting since he was 62. From my understanding (thanks to sscritic) at 66 I can get 1/2 of his PIA. At 70 when I collect my own, can my husband switch from his own low...
by LadyIJ
Mon Jul 27, 2015 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 3572

Re: New Car - Cash or Finance?

1.9% is just OK. 0.9% would be a better deal. For example, I can get 2% APY guaranteed from my savings account, so my net would be 1% minus tax. Not a whole lot, but I'm not losing any money and I've got the cash on hand. Some people really hate debt, fine, I understand that. But sometimes, financi...
by LadyIJ
Tue Jul 14, 2015 10:57 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

Re: IRS tax forms

Thanks everyone.
by LadyIJ
Tue Jul 14, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

Re: IRS tax forms

To specifically answer the OP's question: Yes, the online forms can be filled in on line, and then printed. They also can be printed, and then filled in by hand. Either way they can then be sent to IRS by snail mail. It's old fashioned, but it works. You should also note that IRS also has the Instr...
by LadyIJ
Tue Jul 14, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

Re: IRS tax forms

JohnF wrote:Yep, that’s what I do. I download forms from IRS site, fill them in, print and mail. Additionally, I run my numbers through TurboTax TaxCaster to verify results before mailing.
That's what I want to do, thank you, I don't mind filling in online, but would rather mail the old-fashioned way.
by LadyIJ
Tue Jul 14, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

Re: IRS tax forms

Not sure if all the forms online at irs.gov can be filled in online and then printed out for mailing, but suspect so. At least they can be printed out without data. If you have social security benefits use great care in preparing the social security worksheet to arrive at the correct figure to go t...
by LadyIJ
Tue Jul 14, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

Re: IRS tax forms

I am capable of doing my own taxes, I just want to know if the form you find ONLINE with the IRS.gov. is the one you can actually mail in once you type it up? I find your question somewhat puzzling. The IRS is not playing jokes on people and putting bogus forms on its website. lol! You are so total...
by LadyIJ
Tue Jul 14, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

Re: IRS tax forms

LadyIJ, Most tax forms and their instruction booklets are no longer placed in libraries and can be obtained online at http://www.irs.gov under the tab forms and publications. You might want to consider the use of IRS sponsored free tax preparation services such as Tax Counseling for the Elderly (TC...
by LadyIJ
Tue Jul 14, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

Re: IRS tax forms

Is the form you find online IRS.gov one you can actually type, print out and submit?
by LadyIJ
Tue Jul 14, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 1634

IRS tax forms

This may seem very "simple" but we've been paying a CPA for years to do our taxes. We no longer have rental properties, write-offs, etc. I'm sure I can do it myself. Does one just go to IRS.gov and input the info on the form and mail it in? Duh, sorry, but I've seen the 1040's on their website, but ...
by LadyIJ
Wed Jun 24, 2015 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Social Security and Early Retirement?
Replies: 26
Views: 5124

Re: Social Security and Early Retirement?

I downloaded the "anypia" software from SS - it will allow you to fill out those remaining years with 0's. . Just clarifying for OP, you can get an estimate at SSA.gov that does the same thing. No need for anyPia. Get the basic estimate at SSA.gov then ask for additional ones and change future earn...
by LadyIJ
Mon Jun 08, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 12389

Re: close friend found out how much I have - bad outcome

How do these people just 'not work' and get social services? Don't they have to at least attempt to find work? This bothers me. Could I just quit my job and get these services? Just wondering how this all works. :shock: It's always really ticked me off - big time. I never collected anything - oh ma...
by LadyIJ
Mon Jun 08, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 12389

Re: close friend found out how much I have - bad outcome

[I don't think I was clear in making my point. It sounds like you didn't offer her financial assistance because you think she should help herself. If you told her that, would she still want to be your friend? If she is insulted, then the friendship might die by mutual agreement. If she takes this a...
by LadyIJ
Mon Jun 08, 2015 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 12389

Re: close friend found out how much I have - bad outcome

I'm speechless - but I'll speak anyway. I think she owes you an apology, although I would not ask for one or expect one. In fact, if it were me, a gradual process of distancing would commence. Yes, I was speechless as well. I will leave the door open though - I'm at a point in life where I have los...
by LadyIJ
Mon Jun 08, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 12389

Re: close friend found out how much I have - bad outcome

Your friend believes she needed financial help at some point during your friendship. Why didn't you give her what she wanted or needed? If you told her the truth to that question, would your friendship survive? She needs help because she made (and continues to make) a lot of bad choices. I gave her...
by LadyIJ
Mon Jun 08, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 12389

Re: close friend found out how much I have - bad outcome

Did anyone make this mistake, let loose some info that one totally regrets - loose (loose lips) :oops: A friend I have known for over 30 years - grew up wealthy, I grew up in a working class environment - I worked hard all of these years and have done without to accrue financial security. She never...
by LadyIJ
Mon Jun 08, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 12389

Re: close friend found out how much I have - bad outcome

I'm in agreement that you you don't throw out decades of friendship over a lapse in judgment. Especially since you're the one whose judgement lapsed. What you got was a surprise from left field at what this new information did to your friend. Before taking any advice to forget the friendship and mo...