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    What Demographic do You and Your Friends Fall into?

    I've never been good at chatting up people or cultivating friendships. But I do have a "gym family" and we do socialize pretty much weekly outside of the gym. Those that hang the closest also now happen to be involved with rescuing/fostering/adopting needy animals, so we have more than just the...
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    A few surprises in the fifth month of retirement

    Working with a pet rescue organization might be more rewarding to you. They always need foster parents to take care of the rescued dogs or cats in their home while waiting on adopters. While they are living with you, you may be helping them with socialization or other training they may have...
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    PBGC Update

    Yes Multi-employer... American Federation of Musicians. I've already retired from that, but too young to take early withdrawal. They've just entered critical and declining status, so couldn't even apply to PBGC before that, so the fund's not likely to get any help at this point. If for some...
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    PBGC Update

    ugh. I only had 15 yrs in, so wasn't scheduled to get much at age 65, but now I probably won't get anything at all. Why were these pension plans allowed to project outlandish yearly returns of 8% for so long to pretend they were solvent when they were clearly not? It's ridiculous. Luckily I...
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    Any powerlifters on ER?

    Started Crossfitting when I was 40 with an all-ladies bootcamp. At bodyweight 125 (pounds) my highest lifts were DL 300, Back Squat 200, Bench 165, Shoulder press 117, Clean 172 Jerk 175 and Snatch 135. Now I'm 50 and have taken a lot of time off, barely back at it working out once a week- am...
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    Road Rage!

    There was a road rage murder in Colorado, the guy chased a family down. A mom was taking her 3 kids to the dentist, the guy got out with a gun and shot everyone except one kid who was able to run away. The guy started walking away and then came back and shot again at one of the victims laying...
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    do you play violin?

    Not a violinist but used to make my living playing in orchestras... Generally speaking the upbow is going to be weaker than the downbow, so the downbow is more often used for an accented note. When there are long sequences of fast running notes then the consideration is just how many notes do...
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    Which Elliptical

    I found a Precor elliptical on Craigslist for $500 and paid 2 guys $100 to bring it on their truck and carry it into my house. I could probably sell it quickly for $1200 if I wanted to sell it. If you live in a metro area and are willing to be patient it wouldn't be too rare to find one for half...
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    NFL: 2018 Season

    Denver held the Chiefs to 27 pts. and 30 pts. in their divisional games this season. Denver held the Rams to 23 pts. Denver is one of the worst-coached teams in the NFL. So I think it follows that the Rams and the Chiefs are not at all unstoppable if they meet up with a well run defense.
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    Cat pilling

    Our cat has enlarged heart so must take blood thinner permanently which is horribly bitter, impossible to take as a liquid. He cooperated for a few months eating it inside a pill pocket treat, but if he happened to chew into it and taste the bitter he would spit it out and if you tried to pill...
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    Borrowing money from a friend or relative

    We got married right out of grad school and immediately began paying off DH's 30k student loans. In 2 years they were paid off and we were shopping for a house and realized we didn't have the 20% down payment to avoid the PMI, so my folks offered to loan us 10k at the same rate as the mortgage...
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    Money Laundering

    It's my understanding (from watching real estate flipping shows, haha) that an "all cash" offer does not mean someone shows up with duffel bags full of benjamins, but rather that in industry lingo "all cash" simply means not contingent on any financing and the accompanying hassles (appraisals...
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    anyone fainted/blacked out?

    I get the vasovagal if anyone is tending to my wounds. Happened once as a kid, rode my bike barefoot, foot slipped and sliced off the tip of my big toe, friends mom was a nurse and I passed out on their floor. In college I had a plantars wart removed from my heel, back in the waiting room...
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    Who knew? Too few calories can keep you from losing weight!

    The gym I go to is in the last two weeks of a 90 day nutrition challenge. We decided to use counting Macros as our method this time around. So this means using a kitchen scale to weigh grams of food so you can have accurate counts of your protein grams, carb grams, and fat grams. Several...
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    Are your live local channels (incl major networks) on streaming TV service yet?

    We use our over the air antenna into our Tablo recorder into our Roku. We select the Tablo channel on our Roku, and can watch live or recorded shows. Selecting the Tablo channel on the Roku screen to watch live is as easy as selecting the Netflix or HBO channels, nothing more to it. All we...
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    Poverty Prevention Programs for the elderly

    Did her husband earn more when they were accumulating their SS earnings history? One of them must have made enough to pay their bills all those years? A full-time minimum wage job all those years should have resulted in a payment of about $800/mo at early age 62, more if full retirement age...
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    Understanding correctly?

    The statement assumes you work all they way up to 62 at your present high earnings. So losing those 7 years of highest contributions will put a dent in your projected income. One of the calculators on their site allows you to enter your year of retirement (55) and then it will assume you want...
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    Competitive Athletics?

    Never did serious sports as a kid. Started CrossFitting and have never felt more healthy and capable in my life. A few years later made it to the CrossFit Games Masters which takes the top 20 worldwide in each age group. My back was a little banged up (from some non-crossfit related falls) so...
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    Retirement Reality

    My great grandmother, grandmother, and grandfather on my dad's side all lived past 90. I take after my dad, so I have to hope my portfolio will last that long.
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    When you had become self sustained.

    Right when I graduated undergrad, age 20 (class of 89). Went to grad school on an assistantship: free tuition, 5k/yr. stipend, no car. Started gigging around, so 2nd yr. folks let me borrow a car. Graduated and got married, bought first used car ($2500), paid back our student loans totalling...
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    Share your pushy salesman stories

    BIL on vacation stayed at a timeshare in Orlando, we visited and while we were there he had to attend the timeshare presentation to get something like $150 in perks. He said, hey come with me we'll get a free breakfast buffet, at least, so we joined in to keep him entertained while he was doing...
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    What was Your Workout Today?

    What I did this summer I had the good fortune to compete in this amazing masters age championship this summer. An incredible amount of respect for older athletes to put on such a great event. These in the video are the top 20 worldwide, but people even age 90 and older participate in milder...
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    Going bankrupt on $10M per year

    The reason it's worst for football players is because the minimum salary is much lower, I think. The minimum NFL salary 5 seasons ago was $285k, increasing each year in the league up to $720k for 10th year players. Probably nearly half the players on a team are around that level when you...
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    Weight Machine

    Those weight machines will usually age nicely on Craigslist. If you wait long enough you can get it for $25 or someone will give it free if you'll just haul it away for them.
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    The collapse of the middle class?

    I think one difference between school costs from 1970 and now is that in 1970 basically all special ed children were institutionalized or kept home. Now schools are required to service all such children, especially the severely disabled, until age 21. In my local elementary of 600 students the...
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