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+100

Your facilities charges are quite high. I just checked mine and for gas it is $10 per month and electricity is $14. $70 per month is insane.

+100 So many opportunities with Chase Ultimate Rewards points over a variety of no annual fee credit cards. With just a little effort you can get way more value than 2% cashback card. And if you're willing to initially pay an annual fee Chase has incredible bonus deals. But if you don't want to...

Just received my Jan 24 gas heating bill. When compared to my Jan 23 bill gas per therm has dropped 21.8%. :dance:

+1 For the last 4 years I paid the Prime student discount of $69 because of my daughter going to school. It's now $139 per year and with commercials on Prime Video the value is no longer there. Will be cancelling. On my personal account it seems every 6 months they give me one month of Prime...

I have never seen that happen on the few items I have returned.

I retired at the beginning of 2019 and my wife retired in February of 2021. I can't believe I've been retired 5 years. :dance: I track every dollar in Quicken as I enjoy doing that. Expenses: 2019 $63,523.35 2020 $58,536.78 2021 $38,267.17 2022 $38,131.94 2023 $56,252.93 (includes $14,000 in...

Excellent Midpack. You saved 5000 pennies from just waiting. Certainly more than just a few. :dance:

Without a doubt this is one of my favorite pleasures about being retired. My wife and I were just talking about this the other day. I absolutely hate having to set an alarm for anything. I love just getting up when I feel like it. And going to bed when I feel like it too.

I couldn't have been more wrong about my expectations on rates and inflation in the 4th quarter. :facepalm: I did pick up a bunch of those 5 year non-callable Wells Fargo cds at 5.05% in case I was wrong. Glad I at least did that. I even tiptoed into preferred stocks buying only $770 worth...

Exactly what I do. Aldi's first, then Publix b1g1 items. Food Lion right down the road for quick trips.

Even hotel safes are worthless.

I've never tried the boxes. Which box do you find has the best flavor other than Tombstone?

I lived in Dade County the first 30 years of my life. :laugh: In my 20s in the 80s I had a 300zx Turbo. The cost of my insurance in Dade County at that time on one car was more than I am paying for 3 cars in NC in 2023. So yes, I was familiar with high insurance costs in FL. I can't even...

Article that says we have about 20 years before default if it stays on current path. https://markets.businessinsider.com/news/bonds/us-debt-crisis-gdp-ratio-unsustainable-default-treasury-bond-crash-2023-10 US debt will become unsustainable in roughly 20 years if it doesn't change course, a...

Time to vent. I live in NC and it is apparently the only state that charges a Clean Risk Recoupment Fee for automobile insurance. I just received my new automobile insurance quote. I now get charged $200.49 a year because we are all safe drivers and this fee helps insure high risk drivers. >:(...

HSA EPO plan

What was different about that this time was the 18mo & 2 year were unavailable during the trading day on Friday. They had some in the morning but by early afternoon there were all gone. Very strange. Never saw that before.

+1 I plan on replacing my 2004 Toyota Avalon with an EV when it dies. It has 195,000 miles and just keeps on running. Once I replace it we will have 1 ICE and 1 EV which will work out great for us.

When I had it in early September 2023 my doctor would not provide Paxlovid either. I'm 63. I had a virtual visit on day 2 and she said she would call me daily to see how I'm doing and if I get worse she has up to day 5 to prescribe it. Her reasoning was that the current strain has shown to be...

+1

$2,000,000,000,000 deficits for the foreseeable future will cause long term rates to rise and help keep inflation higher than normal. That is a tremendous amount of deficit spending. Nothing even remotely like this in the past with a now $33,000,000,000,000 bill due. I'm curious why you believe...

In reference to the 10 year dropping quickly this is perfectly normal and does not portend lower future rates. https://wolfstreet.com/2023/11/02/anything-unusual-in-the-drop-of-the-10-year-treasury-yield-despite-the-hype-hoopla-it-hasnt-done-anything-special/ In terms of closing yields (per...

Does anyone have a subway that actually takes coupons? None of them around here do. They lost my business with their coupon shenanigans and high prices.

The market thought the top was in June 22, then top in October 22, top in February 23 and now top in October 23. Eventually it will be right. If the CPI & PCE come in at or below expectations in the next 3 months I may start believing that was the top. Definitely not until then.