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67 years old, 150 pounds. Body fat is probably less than 10%. I eat around 3000 calories a day. I have been seriously lifting a couple hours a day almost every day for 7.5 years. I like to do body weight exercises with added weight. I can do sets of 20 pushups with a 45 pound plate on my back...

Guilty as charged, we are a tough crowd. Most of us are fine with salespeople earning a percentage on their sales. What most of us are not okay with are salespeople who tell us that that percentage comes from the company and does not cost the customer anything.

Well there you go, the insurance company pays it. Does not cost the customer one cent.

12 miles on the bike in 47 minutes. Then P90X back and biceps workout. Then Body Beast shoulders workout.

I like muscle cars and sports cars. My current ride is a 2002 ZO6 Corvette. In the 7 years I have had it I have done all the maintenance on it. If I replace it it will be with a 2015 or 2016 ZO6.

Some of us are a lot more like our dads than we think we are. Your dad was probably working really hard because he thought he had to (he was probably right). And you are also working very hard (also probably working smarter than your dad) and you feel like you have to. With your net worth you...

Many people have different perception of pain. Being overweight and the prior knee surgery have likely in combination contributed to the progression towards bone on bone arthritis. The bone on bone condition may have even contributed to the micro-fracture.My guess is that you are going to need a...

You are very right. That is why I posted that at some point heirs will have to take over the checkbook for many of us. Upon further reflection I realize that this could be a very big problem for those who do not have responsible, caring, knowledgeable heirs to depend on in later life.

I think there is not really much need to periodically rebalance after age 75. Set up a simple portfolio of 4 or 5 balanced funds at age 60 or 65. Rebalance if you feel the need to over the next decade. Set up automatic RMDs to your checking account when you reach 70.5 and then leave the...

Are you sure it is inside the wall? They usually hide under the eaves or around window frames on houses. They sometimes get through or around screens and end up inside the window.

Experimental is just the right word to describe my workout efforts. I was chubby and used P90X to get rid of 30 pounds of fat. Along the way I got much stronger and seemed to VERY slowly be gaining muscle mass. I switched from P90X to Body Beast. The muscle and strength gain has been faster...

Atlanta you say, too easy. Copes Tree Frog. I have a friend who can identify dozens of frog and toad calls.

Congratulations on the cardio workout results. I think your plan to switch to less cardio and more strength training now is good.

The typical man loses 3.5 pounds of muscle each decade after age 27. It looks like Arnie has lost a whole lot more than that.

I am surprised that Firecalc does not give you a higher probability of success. You could probably take a little more than 4% from the investments until the SS starts and then cut back to a safer withdrawal rate and also count on the SS to cover the inflation risk in the non-COLA'd pension. You...

There probably are some people on this forum who will not have to pay taxes on their SS but I would bet that there are not very many.

While you are at the pet store buying Fish-Mox be sure to also pick up a bottle of Fish-Zol tablets. It is exactly the same as the 250mg Flagyl (Metronidazole) tablets used in human medicine to treat both gastrointestinal and blood borne parasites. The markings on the tablets are exactly the...

It seems to me that you are paying the financial advisor a lot of money to give you advice that at least some people here think is too risky.

Waiting years to get <$300 a month for the rest of your life does not seem silly to me.

I "quit working" 4 years before my DW retired. I thought I was retired and even told people I was retired. DW's friends instead referred to me as her trophy husband. So according to the rules here I was wrong in calling myself retired and DW's friends were correct in calling me a trophy husband...

How has that gold done for you over the last 2 years? No need to answer because I already know. I bought into some gold mining funds two years ago and it has been the worst investment of my entire investing lifetime. IMO gold is okay but only for a small part of your total investment portfolio...

Last promotion was in 1994 and the top dog came to try to talk you into staying? If you see him again please tell him jclarksnakes says he is a POS.

How much is in the taxable accounts? I would not hesitate to spend them down to keep your MAGI low enough to qualify for the ACA subsidy until you start on Medicare.

Most of my 14 year nursing career was spent in orthopedics. IMO the physical therapy after shoulder surgery is as important or in many cases more important than the actual surgery. PTs are accustomed to patients who do not want to work very hard. You should tell your PT, and then show them...

You can call SS "free money" if you want but I would remind you that over the years you and your employers have paid a bunch of money into SS. You mention that you have two pensions. Does your wife have a pension? What happens to her if you die? The likely best choice is for you to delay...