Search found 487 matches

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: 2790

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: 11364

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: 2790

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: 2790

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: 11364

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: 2790

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: 11364

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: 2790

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 11364

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: 2449

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: 2449

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: 2449

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: 2449

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: 58940

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: 58940

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: 3169

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: 3338

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: 4049

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: 4049

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: 4588

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: 30429

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: 1355

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: 1355

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: 1355

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: 1355

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: 3364

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: 5728

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: 8132

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: 8132

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: 8132

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: 8132

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: 8132

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: 2569

Re: Spousal Benefits - so confusing

Thanks all.