"Buy a pool in March 2014," Fidelity Investments' FutureTimeline application tells users on Facebook. But some live in places like New York City and have no room for a pool. And they would first go to their gym pool before buying one to somehow fit inside their apartment.

After closing that suggestion, a pop-up of "travel to the Grand Canyon" appeared on some users' Facebook page-which happens to be a much more realistic goal.Some decided to post the tip directly to their Facebook Wall and was able to view tips from other Fidelity users on how to best save for their goal and track their monthly saving target. "Don't buy name brands," one Fidelity/Facebook user suggested.

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