PhileasFogg

First, I respect your position on this immensely. Assisted Living is a spectrum. Level 1 is not "institutionalized" in a traditional assisting living environment. It's essentially an apartment with concierge services. However, if you were sharing an apartment with a Level 4 partner (I honestly don't recall how many levels there are) it may seem a bit more restrictive. But as you say - 3 miles isn't that far. It's great that you have a place that meets your needs so close. My parents (now deceased) needed help. I cut a deal with them - give it 60 days - I'll sell nothing and if it doesn't work, we're get you in-home assistance. After two weeks then told me to sell everything.

I have a FaceTime call scheduled with him later today to see if I think it's worth some travel expense. My hope is that he doesn't come across as too immature for my tastes.

I’m sorry you’re dealing with that. I hope the transition goes well for both of you.

I have no need for life insurance either. But it makes sense for a business owner whose death may trigger a sale of the family’s business to pay the taxes. I think long term care insurance is a good idea for spouses where depleted assets could impair the healthy one’s ability to cover living expenses. But I’m single and my investment income can cover LTC. And, if I’m really sick, I’d probably not survive more than a couple of years with plenty to still leave to my family when I die.

I will add - price inflation is not a problem unless wage growth is slower than the rate of inflation. If wage growth equals the rate of inflation, then you are simply not better off from the increased wage. If wage growth is higher than the rate of inflation, your purchasing power still increases. As others have noted though, inflation is a “basket” of different goods and services and Housing is a big part of it - but my housing costs haven’t increased a dime in nearly a decade (except for flood insurance at my coastal home) Cars are more expensive (and I’ve had five new ones in 6 years) but I don’t borrow to buy them so part of that expense is mitigated. My current car is a PHEV, so my fuel costs have actually dropped from 22¢/mile to 5¢/mile as most of my driving is in town on electric charge. Groceries are up a lot, but they’re < 5% of my budget - so maybe they’re gone from 3.5% of my spending to 4%? But, I’m an active traveler and plane tickets have probably tripled for me But I can cut back from First Class to Comfort and still manage costs if I want to. CPI is a necessary benchmark but your mileage will vary depending on your actual “basket” Years ago, I reset my quicken categories to match CPI definitions. I figured out I was far from normal in the weighting of my actual expenditures. It was an interesting exercise.

I’m a score junky although I don’t borrow money (but may under the right situation) I keep my score in the 840’s by paying off my cards 2-3 times per month. The effect of a closed account like JC Penny will fade quickly. The 20 point drop is a reaction on the assumption that you defaulted. Does JC Penny even still exist?

Inflation doesn’t “fall.” It “slows.” The “Rate of Inflation” may “fall” or “go down,” but prices are still increasing. I’m being pedantic, but people don’t understand inflation unless they understand this distinction. “Disinflation” is a slowing of the rate of inflation and only helps the consumer if wages are increasing faster than prices. ”Deflation” is when the rate of inflation is negative and this usually coincides with a catastrophic economic situation that we’ve not had in America in a century.

I have a family member in a coastal area that refers to it as “self insuring”. I remind her that unless she has cash in the bank to cover the loss, it’s called “taking the risk”

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You missed my point. But I’ll leave it there.

Perhaps making a suggestion is not bitching. But the statement you made following the suggestion(and the title of this thread) is.

Wow

After a sleep study, I was diagnosed with sleep apnea on my back. I didn’t like the cpap and I don’t sleep on my back, so I did nothing - except - losing weight. Now I’m fine

After a week in St John next week, I’ll be in Boston in two weekends with a friend. After a week in St. John with no tan lines, I don’t think we will want to mess it up in Boston. So, I’m thinking of ferrying to P-Town to visit Herring Cove Beach. All the online info seems dated and not very useful. Does anyone have any more recent insight or guidance? Is it still unofficially nude? Is nudity common? Is it risky to be caught? is it easy to access from the ferry? are there any nearby facilities and/or showers?

Yes, regularly. In my home gym, I’m always naked. Weights, rowing, elliptical, etc. I’ve tried naked cycling (road bike) and jogging, but my stuff (especially my balls) flop around in painful discomfort.

Correlation does not prove causation. Age by itself leads to reduced ejaculate. Also, Aging correlates with hair loss for those so disposed. The addition of the growth products may just be a coincidence that they are correlating to the outcome. We won’t know unless they stop using it and things return to normal. When propecia was first released decades ago, I was among the 2% who had reduced libido and ED. I stopped quickly and things worked fine again. That proved causation to me.

Ok, am I the only one? While I love nudity and being nude outdoors, the thought of Big Richard and The Twins flapping from side to side for a 5K run doesn’t sound very appealing 🫣 In fact, it sounds painful

Try it. It sounds like if it doesn’t work, cultural biases will allow you to return.

That's a sh!tty conclusion

Please no! I appreciate the recommendation. I’ll stick with it for a bit to see if the benefit is cumulative

Update: despite my skepticism, I ordered some caffeine cream. Instructions were to cleanse and moisturize before applying the cream. I did and the puffiness INCREASED! I am beginning to wonder if I’m hydrating enough.

I wouldn’t ever copy and paste a video. I would send a link. And, as of 2 minutes ago, I’m able to do that just fine on an iPhone 13. Is this what’s not working for you?

Considering a trip with a friend to South Florida in Late Oct for some late fall sun and warmth. The plan would include visits to Haulover Beach. Is this a good idea? Are the beaches comfortable enough that time? Is there a good clothing optional hotel any of you recommend?

Well, that's a new one on me! I had to look it up, but it looks promising!

Lately I’ve noticed increasingly puffy eyes with dark circles. This presumably ties in with recent cataract removal and introduction of contact lenses to fine tune my vision. In general, I have terrible allergies. Otherwise, I generally drink plenty of water, get facials periodically, and maintain healthy diet and exercise. I’m 60 and retired with a very active lifestyle, so stress isn’t it. What products or routines have some of you had experience with to minimize this problem?