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  1. 2HOTinPHX

    EV tax credit increase income options?

    We suddenly find ourselves eligible for the 7500.00 EV tax credit. Our original Chevy Bolt EUV purchased in 2022 was totaled early this month on my way from my last day of work. Rough start to retirement. We replaced it with same just a few days ago. We do not have enough income to have a tax...
  2. 2HOTinPHX

    Possibly the worst start to retirement ever!!!

    So today was my last day of work and starting retirement tomorrow. Lots of planning went into it and it's finally here. Wohoo...to good to be true. Usually worked from home but go into work on Thursdays and today Friday to finish up some things and turn in all my equipment. Boss says finish up...
  3. 2HOTinPHX

    How to lose a billion dollars?

    Take the cash option...... The $1.765 billion jackpot is for a sole winner who opts for payment*through an annuity, doled out over 30 years. Winners almost always take the cash option, which was estimated at $774.1 million. So glad we don't bother playing. 774 million ain't what it used to...
  4. 2HOTinPHX

    Post your favorite 70s/80's one hit wonders here.

    So growing up in the 70s and 80s loved the music and still do. :dance: One of my favorites that was a one hit wonder was by a group called The Headboys. I bought the album for this one song and the rest was kinda weird at the time but it grew on me and now I like the whole album. The Headboys...
  5. 2HOTinPHX

    Active Shooter Awareness Training at work.

    Wow we get a few online training emails every year for things like corporate compliance and stuff but never one like this. I guess it's a sign of the times and perhaps a good thing in today's environment. Just started a few screens seems like common sense things so far. Look out for strangers...
  6. 2HOTinPHX

    Dave Ramsey rips the 4% rule again today.

    At about 45 minutes in on this video a man calls in and is asking if they have enough to retire....gives Dave a lot of his numbers and mentions the 4% withdrawal rate and Dave goes off......ACK.....now I remember why I don't listen much anymore.... although 6 percent sounds a lot nicer....
  7. 2HOTinPHX

    At Will Employment anyone use this option?

    So I am still working and contemplating retirement at end of September. Last goal post to complete is triple check month! Logging into the matrix this AM and see one of those Corporate Communications emails. Lots of miscellaneous internal links to stuff. I clicked one regarding vacation time. It...
  8. 2HOTinPHX

    Watch hot chicks for free here.

    Ok not what you were thinking...come on now this is family forum here. These hot chicks were hatched in an incubator. A Chick called Albert has some of the most touching wonderful videos of raising birds we have ever seen. The camera work is incredible with soothing music to go along with the...
  9. 2HOTinPHX

    RMDs are they really something to worry about?

    Interesting videos just posted on YouTube? Seems RMDs aren't the scary tax hit they are made out to be? Is he missing something? He shows the math....seems traditional 401K may be good way to go and RMDS aren't that big of a deal. Your thoughts appreciated...
  10. 2HOTinPHX

    BeeGees kinda night.

    Started off with this great video discussing BeeGees 4 time comeback struggles. https://youtu.be/6iTV1hyaw-8 Then watched Barry's first interview after losing his brothers. Very touching interview... covers a lot of the family history. https://youtu.be/HxkSNV7HtYM Decided to end the night...
  11. 2HOTinPHX

    Inspirational videos for those considering one more year.

    I see in a lot of threads where people seem to be suffering from the "one more year" syndrome. Seems no matter the dollar amount saved people still question OMY? We are definitely in this category. I turned 59 last year and contemplated calling it quits but decided to do one more year. Decided...
  12. 2HOTinPHX

    Good Night Oppy

    Just watched Good Night Oppy on Amazon Prime. Anyone else seen it? What a great documentary on the Mars rovers and the brilliant people involved. Truly one of man's greatest feats. 3 months of planned exploration turns into 15 years of the little Robot that could...two thumbs up here...
  13. 2HOTinPHX

    To add attic insulation or not to add...?

    So our home was built in 98 so it seems time to add some blow in insulation? Went to a home show this past weekend and talked to a few people regarding this. One company will come out and blow in more and with SRP rebate applied going to be less than 500.00. Others say you first should seal your...
  14. 2HOTinPHX

    Are we getting soaked on shower quotes?

    I know some of this might be location specific but wow we are kinda shocked at the quotes we have gotten so far. Seems to me to be a simple replacement. Remove the current one piece 5' tub shower combo, and add some green board type drywall and add a new shower pan and 3 wall panels and perhaps...
  15. 2HOTinPHX

    The simplest retirement equation.

    https://youtu.be/mCVGvDraeKg I think Josh summed it up pretty well. He says know your expenses, social security and liquid assets you will be drawing from. He suggests as long as Expenses=SS+5% withdrawal from liquid assets you are good to go. He also suggests a reverse mortgage if above...
  16. 2HOTinPHX

    6 Uncomfortable retirement truths you need to know about.

    https://youtu.be/io_5vXakiyU Interesting video...some thoughts on retirement. I like this guy's videos. Gives you things to think about for sure.
  17. 2HOTinPHX

    The Beach Boys - unplugged LOL

    https://youtu.be/4XidgJdRs74 This was originally posted in another thread but it is so funny I think it deserves more eyes on it. Hopefully those who need a good laugh will appreciate it. Thanks to the OP for posting it in the other thread...so so funny. ;D;D;D
  18. 2HOTinPHX

    Is now a good time to be thinking about home solar?

    Is now a good time to be thinking about home solar? I don't know that much about the home solar business but seems like it would be good fit for Phoenix. Every review on YouTube says this is a good time to add solar of course. Is solar the way to go now reduce our energy cost and help save the...
  19. 2HOTinPHX

    Fodmaps and IBS symptoms

    Sorry this is so long. I am not a doctor nor do I play one on TV. I have had what I refer to as a gurgley stomach for some time now. Feeling like my stomach is grumbling a lot, slight nagging stomach aches recurring and excessive amounts of gas building up at times and associated stuff. Sorry if...
  20. 2HOTinPHX

    Family members house may be lost to OAK fire..need advice.

    Family member has a house in Mariposa California near the Oak fire that started yesterday. We don't know much yet but looking at fire maps it does not look good for his home. Its out of control and headed right towards the home. It may already be gone but hoping for a miracle. Fortunately not...
  21. 2HOTinPHX

    Meet the dog who learned to walk like a human.

    Just saw this on the evening news. Wow....:dance:
  22. 2HOTinPHX

    Is the realestate bubble bursting?

    We've been kicking around the idea of relocating for a while now. Just out of curiosity on June 15th we got a preliminary offer from Opendoor for our house. Wow really good offer at $500,300, no showings and none of the usual angst of waiting for offers and clean closings risk. Neighbor across...
  23. 2HOTinPHX

    Best online bank for one stop shopping?

    We currently use local branch of one the traditional big banks for checking and savings and payroll deposits. Its been kinda of a security blanket for me knowing they are there and if any issues come up we can walk in there and talk to someone face to face. As you know the interest rates the...
  24. 2HOTinPHX

    Toto - Africa - turns 40

    Wow where did the time go. Nice little interview with Toto today. I think they put out a lot of great music over the years and still enjoy listening to it today. Yesterday morning played Toto 4 CD (yes a real CD) while we were getting ready to get out of the house for a few hours last song...
  25. 2HOTinPHX

    Dan Fogelberg concert video on YouTube

    https://youtu.be/9bnglWIZrH4 So this was posted about a month ago. Nice concert of Dan with tons of his great music. There are two parts. This is part one. Hope some here will enjoy...
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