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Americans know what to do but aren't doing it. How stupid is that? Americans Not Eating Enough Fruits and Veggies National goals for a healthy diet are still not being met, CDC report shows By Steven Reinberg HealthDay Reporter THURSDAY, March 15 (HealthDay News) -- Most Americans are...

Phytochemicals - Vitamins of the Future? HYG-5050-98 Sereana Howard Dresbach Amy Rossi Recently, you may have heard the words chemoprevention, nutraceuticals, and phytochemicals in the media. What exactly do these terms mean? With the ever-increasing interest in improving our health, it is...

A different reason to ER I was talking to a person who ERed last May, and he had a reason to ER that I do not believe I’ve heard on this board, or anywhere else. He is in the PERS system, and had 35 years of service. At his age, his pension would nearly equal 100% of his salary for as long as...

I just heard that a lady that used to work next door to my office just had her second stroke, after retiring less than a year ago. She had a mild stroke earlier, but I'm told this one is worse; she is in the hospital and can't talk, etc. I estimate she's early 60s. People like this give the...

If I were single, I'd be out of here tomorrow....but.... I would estimate I have between 1 and 2 years left here, after 30+ years of service in a local government job (age 52).  The nature of my job (Facilities) is such that I am in a continual process of planning multiple projects.  We are...

What the heck are people thinking????? Savings Rate at Lowest Level Since 1933 Jan 30 11:22 AM US/Eastern By MARTIN CRUTSINGER AP Economics Writer WASHINGTON Americans' personal savings rate dipped into negative territory in something that hasn't happened since the Great Depression...

A sobering article.... America's pension time bomb Commentary: Workers, employers, taxpayers, governments. Meet the key players in the coming battle. By Geoffrey Colvin, FORTUNE senior editor-at-large January 13, 2006: 11:03 AM EST NEW YORK (FORTUNE) - Some of the nastiest conflicts in...

This is most likely "preaching to the choir:" Time vs. Money Mark Twain said, "youth is wasted on the young." I have also come to really believe that for the most part, “retirement is wasted on the old!” The solution:  get out of the rat race as soon as you can, live for today; that is what...

Greetings REs and Wannabees, In the CALSTRS (teacher's retirement) system, I recently found out you can retire as young as age 50 IF you have 30 or more years of service. I also found that STRS will let you purchase additional years of service. This really has me thinking: my wife will have...

Experts: $4 a gallon gas coming soon Pricing analysts say consumers can expect even higher prices at the pump. August 31, 2005: 12:37 PM EDT By Grace Wong, CNN/Money staff writer NEW YORK (CNN/Money) - Consumers can expect retail gas prices to rise to $4 a gallon soon but whether they stay...

This is part of an article by Texas Congressman, Ron Paul. The full editorial is at the website listed below. Borrowing, Spending, Counterfeiting August 22, 2005 Few Americans truly understand how our Federal Reserve system enables Congress to spend far beyond its means, but the cycle of...

With a very few exceptions, everyone here seems to be pretty well educated. I am curious about the amount of education that REs (and RE wannabees) have attained, compared with the public at large. Any relevent comments are also welcome, but no personal attacks, please.

Frugality and living below your means (LBYM) are virtues often expressed on this board. What I am looking for are ideas for living a more frugal lifestyle on an ongoing basis. A few things that I practice along these lines are: 1. Wearing clothes and shoes until they wear out (DW often gives...

Check out this website to see the up-to-the minute amount of the national debt: http://www.uwsa.com/uwsa-usdebt.html What do you think are some of the ramifications of this huge debt toward those of us who aspire to ER? One I can think of is that this means the government will owe some of us...

Retirement blunder: Raiding the 401(k) Survey: many workers cash out plans when changing jobs, incurring penalties and losing savings. July 25, 2005: 11:16 AM EDT By David Ellis, CNN/Money staff writer NEW YORK (CNN/Money) - Almost half of workers leaving their jobs are raiding their 401(k)...

Can you believe this...that half of workers 55 and over have not calculated the amount they need to retire (read: have not seriously considered retirement)??? Oh well, to each his own... == Playing catch-up with retirement savings Smart moves in the 10 years before you quit working can better...

From Texas Representative Ron Paul – A lengthy commentary on the hidden cost of war. Wars have bankrupted nations in the past. This could potentially be a threat to our RE dreams! http://www.house.gov/paul/congrec/congrec2005/cr061405.htm Summary 1. The costs of war are always much more than...

For those who want the utmost in smplicity, what is wrong with the strategy of placing the bulk of one's portfolio in tax exempat bond funds, such as Vanguard's CA LT Tax Exempt Investor fund: 1 Year 3 Year 5 Year 10 Year Since Inception 04/07/1986 CA LT Tax-Exempt Investor 2.65% 5.99% 6.38%...

This is a 5-page article that basically says Americans are not saving enough.... People on this forum really must be the elite. http://www.usnews.com/usnews/biztech/articles/050613/13squeeze.htm Consider this: Fifty-five percent of young boomers--those ages 45 to 54--have saved less than...

Hi Forumites! This is such a fantastic forum! I am about 3 years away from ER, but I could get a much larger pension (like an extra $1000 a month) by staying a few years beyond that. I was wondering, do any of you who ERed at an early age in lieu of holding out for more $$$ have regrets...

From Congressman Ron Paul of Texas: Congress and the Federal Reserve Erode Your Dollars May 23, 2005 Last week the US Treasury department issued a warning to the Chinese government with regard to its policy of pegging the value of the Chinese yuan to the US dollar. In essence, the Treasury...

I just heard some sad news about Ron, a former collegue. I'm sure this kind of thing is not unfamiliar to many of you. Ron was in the same business, but about 10 years older than I. He was kind of a mentor to me, and a friend. He retired about 10 years ago, with big plans of operating a little...

Hi Everyone, I just looked at the pay scale for our custodians and maintenance workers. These employees have homes, cars, wives...lives. They seem happy, yet their pay scale is, well, kind of low: The current pay scale for them ranges from $2006 to $2560 per month for custodians, and $2100 to...

Most of us on this board must not be typical... === A penny saved? Not for young workers Study says only 46% of workers under 30 give to 401(k) plans, up just 2% from '02 to '04. May 10, 2005: 11:28 AM EDT NEW YORK (CNN/Money) – Despite increased efforts by employers to encourage workers...

Can I retire early? Our expert weighs in on how to assess if you're ready. May 9, 2005: 9:15 AM EDT By Walter Updegrave, CNN/Money contributing columnist NEW YORK (CNN/Money) - Could you discuss some pros and cons of early retirement? And how do I evaluate whether I can afford to retire...