There appear to be many wealthy folks trying to live longer. Billionaires, including Jeff Bezos, are making large investments in the research of the aging process. I read about one tech entrepreneur who spends $2 million a year in an attempt to turn back the clock.
Equinox, an upscale gym, offers a $40,000 a year membership that helps you live “100 healthy years.” It includes biomarkers and fitness tests to measure your health. Then they use the data to create your own personalized health and fitness plan that includes coaches and trainers.

I never meant that a consumer buying cases of water at the grocery was wasting money, my point was that at so many venues, water costs well over a hundred bucks a gallon. Why is my tap water only worth .003 cents per gallon, at the store maybe a buck a gallon, and at a concert 120.00 per gallon?
Which price is “correct”? Even at a store, if water is more than a nickel a gallon,

Following is the text of a post that has appeared over and over on social media. 
“ The Retirement Scam
The average lifespan is 76 years.
Middle age isn’t 50 – it’s 38.
They’ve tricked us into working until we’re 67.
By the time we retire, we only have 9 years left in this world.
Why do we only get to enjoy life when we’re old,

WHEN I WAS A YOUNG adult, my parents sat me down and explained that I might at some point inherit money from my grandfather’s trust, which had also helped put me through college. My grandfather passed away in 1984, and his wife—my father’s stepmother—became the trust’s beneficiary.
My father was an only child. The trust stipulated that, if his stepmother died before him, he would receive two-thirds of the trust, while my two siblings and I would share the other third.

I just received my annual water bill, a tiny 158 dollars. It informed me that I will pay .00375 cents per gallon.
When bottled water is even 5 a pint or 40 per gallon, that is roughly 10,000 times higher. It is often at 30,000 times higher.as many venues charge 15 a pint.
Even at a buck a pint  , that is still thousands of times more , for exactly the same stuff that falls, every time it rains.

I LOVE TO TRAVEL—and it runs in the family. My parents were avid travelers, with my father receiving a generous travel allowance from his work every four years.
In addition, my father always managed his time and budget for numerous other trips. After his passing, my brother and I took turns maintaining the travel tradition with our mom, until plans were disrupted by the pandemic.
After retiring this year, I eagerly anticipated visiting my mother in India and taking her on a grand tour.

I read Adam Grossman’s article Riding the Rails with great interest. He gave a well balanced perspective on retirement income strategies, but I came away thinking it’s complicated and scary no matter which approach is used – the point is these strategies are beyond the ability of many people and perhaps more so as we age.
There must be a better, that is, simpler way although I admit I don’t know what it is. Does anyone want to live in retirement knowing that to sustain their income at some point they may have to cut back on spending,

How many of us can proudly say we can cut through misinformation and disinformation, personal bias or prejudice?
As we enter the last month of a new election year, I’m wondering how many voters are truly informed. How many voters actually delve into the politics and issues put forth by the candidates. At first glance, some may sound good, but what are the calamitous consequences of their proposed policies, if enacted.  Have you studied history and educated yourself about the problems some of the policies that they have put forth have wrought?

YEARS AGO, I SAW a Looney Tunes cartoon starring Daffy Duck and Elmer Fudd. As always, good old Elmer was trying to kill a duck for dinner, only to be outsmarted by the much cleverer Daffy.
In this particular episode, Daffy is playing a game of catch with his duck friends outside Elmer’s house. An overthrown ball crashes through a window. Elmer comes out and says, “Who broke that glass? Someone is going to pay for that.” The ducks all bump into each other in their efforts to run away.

Jonathon, please, what type bond should I consider social security, short, long, etc. Or, is it more like an immediate fixed annuity and so forth. Thank You. Maybe somewhere in between,?

I’VE TAUGHT BEHAVIORAL economics, which holds that even our most important decisions are influenced by unrecognized biases. For my students, there’s no better example than the choice of where they went to college.
Although the cost is enormous, the decision of where to go hinges on the smallest things. A teenager who says, “I want to be close to my boyfriend,” will zero in on a nearby college, even if her high school romance is fading.

I was a bit of a surprise to my parents. My father was 44 and my mother was 40 when I was born. My youngest sister was over seven years older than me. Because of the age differences between my three sisters and me, after about age 10 I rarely had any siblings at home. I was essentially an only child from that point on.
Besides having my parents to myself, my experience growing up in southern New Jersey was a bit different than my sisters’ in another way.

A RECENTLY RELEASED book titled How to Retire is a goldmine for those in or near retirement. For the book, Christine Benz—Morningstar’s director of personal finance and retirement planning—conducted interviews with 20 experts, covering every aspect of retirement.
The result is a valuable field guide for those tackling life after work. Below are seven insights I found particularly useful.
1. Social connections. When we think about retirement planning, most of us tend to think first about the numbers.

Lately, in my attempts to add a touch of humor to this site, I have apparently ruffled a few feathers. Mea Culpa. That’s Latin for ….er, something.
Now, even though it is difficult to make predictions about the future, I remain unfazed and herewith are my forecasts.
First, though, a bit of nostalgia, from the past. I used to be so poor, I had no common “sense”.( Cents, get it?  )
B)   I was once so destitute,

My grandson is a senior in college. He has taken some student loans for which the financial resources exist (529 plan) to pay them in full upon graduation. My question is this:
From the perspective of building a strong credit history, should he pay the loans in full after the grace period, or should he make payments for a period of time, say a year or two, before paying them in full?
Note, that any money leftover in the 529 plan will be either transferred to a Roth IRA when feasible,