Recent content by fire161007

I have an internal drive and external usb drive that I store in a fire safe. I use syncback free to backup monthly to both.

It can be challenging for those who have focused their entire lives on their careers to transition into retirement. I'd recommend reading Ernie Zelinski, "The Joy of Not Working". It may help you find your way. It's nice to see someone also from the GTA. I'm actually in a similar situation...

Touchless Moen Faucet from Costco. I don't think I can go back to non-touchless. It's so handy when cooking and much more sanitary. The only issue was it ate through batteries like crazy. Ended up getting an AC adapter and installing an electrical outlet below the sink.

Retired 5 years ago. Our number in firecalc gave a 99% success rate with a 3.2% SWR. Spouse retired 3 years later. 2 years later (5 total) our net worth is now 50% higher than our number at a SWR of 2.2%. (principal residence is not included in any calculations)

This is me exactly. I also use Edge Sensitive Skin Shaving gel and shave wet in the shower. I use Nivea Sensitive Skin After Shave Balm.

+1 for Microsoft Money Sunset Edition. I've been using MS Money since 1996 and I have yet to find a better solution. It has account registries to track all transactions, Investment accounts, multi-currency support, Lifetime and retirement planning, budgeting, reporting and graphs, Bill...

Class of 2016 here. Best 5 years of my life. Kids are still in school, so they keep us on a schedule. Lockdown has prevented family travel. Original SWR was 3.2%, now down to 2.1%. Can't complain.

Good point. I have about a 65/35 asset mix - all ETFs. I'm Canadian so I have a slight home bias due to preferential tax treatment for Canadian Dividends. - 20% Canadian Equities - 20% US Equities - 20% International Equities - 5% Emerging Markets - 30% Bonds - 5% Cash This question is...

Would you recommend S&P 500 Large Cap (VOO) or Total Market Index (VTI) for someone who recently retired? Historically I have been investing in Large Cap and it has out performed Total Market over the past 10 years. Most people recommend Total Market due to diversification. Management fees...

80/20 AA down 16% YTD and down 19.5% from the peak (Feb 20).

Welcome and congrats. I was in almost the identical situation 2 years age when I retired at 44 with 2 preteen kids. Retiring was one of the best decisions I ever made. Adjusting was a breeze for me. I was working for megacorp but was working from a home office so the transition was easier...

In Canada Internet - $34.99 plus tax (Carrytell 75Mb down, 10Mb up) Cell Phone - $48 plus tax (Fido 5GB data, unlimited phone and text) Landline - $0 (Obihai200 with freephoneonline.ca (unlimited CDN LD) and Google Voice (Unlimited US LD) Television - $0 (OTA) Total $93.77

@Sunset We got rid of our Mutual funds 15 years ago and started with a high Dividend portfolio with our investment advisor. Over the last 7 years I have slowly transitioned to ETF investment following the "Canadian Couch Potato" strategy. Currently about a third of our investment are ETF...

It has been 1 year since I have retired and I have been enjoying every moment of it. I still have a regular routine as I have a pre-teen and a teenager at home and I prepare their meals, make sure they get to and from school and manage their extra curricular activities. I have been busy with...

Congrats. I was in a similar situation. We had some layoffs in June including my long time manager. I had asked my new manager to put me at the top of the list if there was another round, but being a long time employee, I was too expensive to give a package and too cheap to let go (newer guys...