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    Electrical Question

    I have an outdoor electrical outlet on my roof. It was installed by our builder during construction so we could run heat tape on a flat roof section to keep ice from building up on the north side of the roof in winter. The past two winters, I have plugged two strands of heat tape into the...
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    Poll: When you retired, how many years of expenses had you saved POLL

    If you tracked this data, when you retired how many years of expenses did you have? Years of expenses = retirement assets / planned expenditures
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    Poll: Lowest equity allocation possible from retirement tools

    What is the lowest equity allocation you can use with 95%+ success from any of the popular retirement tools based on YOUR actual situation. I know more may be better for individuals, but what is the lowest you can go with success?
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    PSA BMW Financial Services

    If you don’t have any connections to BMW Financial Services, don’t bother reading anymore. He is my heads up in case you do. My last car associated with BMW Financial was purchased at the end of my lease by my business partner in 2018. Title was sent, car registered end of story. Not really...
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    Fidelity Web and App down a long time

    Longest I have seen it. Going on 30 minutes. Edit: it’s back.
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    Fidelity Visa removes foreign transaction charges

    Individuals who apply now and are approved for the Fidelity Rewards Visa Signature Credit Card will enjoy 0% foreign transaction fees*. By the end of August, there will be no foreign transaction fees on new purchases for existing accounts. *Foreign Transaction Fee: 0% for each foreign...
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    Empty lot gets stolen and someone builds a house on it. UH OH

    A guys vacant family property somehow gets stolen, sold and a house gets built on it and the owner soon discovers the mess. Criminal investigation underway. https://www.ctinsider.com/columnist/article/sky-top-terrace-fairfield-ct-developers-18274371.php?src=ctipdensecp
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    Introvert Extrovert

    I read a definition not long ago that made sense. Introverts energize from within. Extroverts energize externally. I am definitely an extrovert. Spending time with people balances me. How about you? Does it matter? Has one way or another advanced or hindered you?
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    3 Years Into Retirement

    I just passed my 3 year anniversary. The money part has been pretty easy. The what to do part has been pretty easy. The only hard part is I now realize I have 3 less years to enjoy the best years of my life. :laugh:
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    Cell Phone Activity in Most Major Cities Dropping

    Interesting. See chart.
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    I got booted out of FZDXX

    FZDXX is one of Fidelity’s high yield money market funds. It has a $100k minimum for taxable accounts and $10k for deferred. We have it in multiple accounts. Whenever it dipped below the minimum, Fido did nothing, until today. They booted us out of it and put the funds in a regular core account...
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    Can’t delete a shared Google Sheets file

    I downloaded a shared Google Sheets file and now I can’t delete it. Normally I would just click on the three little dots to the right and delete would be an option, but the only things it will let me do are pictured in the attached. I also tried to drag it into trash and it won’t let me do that...
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    How many sources of income do you have?

    I am pretty geeky when it comes to tracking income and expenses. Some may find it tedious, I enjoy it. I update a spreadsheet once a month over a cup of coffee. I receive my retirement income from the following: Tax free interest Taxable interest Capital gains Dividends eBay Credit card points...
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    CreditKarma Survey Findings

    Some findings from recent CreditKarma survey of Americans: - 51% don’t know how to calculate their net worth - 31% have net worth of $0 or less - 30% of Gen Z care about celebrities’ net worth more than their own - 21% aged 59 & above have net worth of $0 or less
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    Equifax Settlement via MasterCard - No Luck

    I was issued a prepaid debit Mastercard for my Equifax breach settlement. It’s not a lot of money, but I have tried to use it three times and it’s been rejected each time. Has anyone had any luck using the card?
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    Wine - Discussion, Travel & More

    Let’s start a new thread on all things wine. Wine related travel, destinations, wines that are good values, best places to procure wines. Share a little about your own wine journey. For my wife and I our love of wine started with travel. We were casual wine drinkers and as we traveled more to...
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    The value of loyalty programs

    In the last few years we have made a concentrated effort to sign up for loyalty programs and use them. In the past we’d create accounts, forget about them and loose points, but just looking back at this past year, we got everything from free hotel nights, free beers, free 1lb bags of coffee and...
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    Old Toys

    I kept a few toys from my childhood. Always thought someday they may be worth something. I kept checking eBay over the years. The value wasn’t worth the effort. So on one of the lazy days before Christmas, I checked on what some were selling for. Things are going up in value like everything...
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    Fidelity is giving away $100 limited time

    For opening a new account. I thought I had all the accounts at Fidelity I needed, but a cash management account qualifies as well. Offer good for current Fido customers too. Check out the link. Super simple to open/fund an account...
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    Where is the market at 64% of the time...

    ...down 5%. See the chart courtesy of Fidelity. Data since 1900. Also interesting that when we hit down 35% in March, that was getting into pretty rare territory.
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    Passive Income for the Well Heeled

    This info was posted on another financial forum I frequent. I thought it was interesting and you can use it for comparison or not, to your own situation. In a Bloomberg Businessweek article on 3/19/2017, there was a picture of 29 cities in US that showed the well-to-do collected passive income...
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    Why do post counts go down?

    Just curious.
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    Do we really want to get old?

    Spent the weekend visiting my FIL at a memory care facility. The facility houses 50 patients. Its nice, clean and he is well taken care of. Of the 3 days we were there, we were the only "kids" visiting. All the other patients were on their own in the secured building or in the care of personal...
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    The Mystery of Spending Only Dividends Behavior

    I know this topic has been discussed a bunch, but I thought the article was interesting. https://talkmarkets.com/content/the-mystery-of-dividend-preference-and-the-spend-dividends-only-strategy?post=216612
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    LCOL discoveries

    We just closed on our retirement home in a LCOL area. As we transition, we are finding out some interesting things. The biggest was a reduction in our home cost. Which was about 30% less than a comparable home in the big city. One I just found out about today was our auto policy dropped by about...
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