I assumed the joke was that as you get older things are just more stiff and you don’t recover as fast. Yeah, it can be reduced with more exercise/activity but you’re still getting older.

There was an event where this became apparent for me. I played softball for years in my 20s. Stopped for a bit and returned in my 30s. I was actually in better shape when I returned. One day mid-season, I was rounding first base, not even particularly fast, and I felt something tweek. By the end of the day I was stuck on the couch and could barely move. I had to take the next day off.

Consumer of vegetables here. Where can I find the yams?

I agree that not all landlords are bad (and not all tenants are good) but I have a hard time believing anyone becomes a landlord to “provide homes to families”. It’s an investment, a source of income.

That was my understanding. I was told one of the reason for growth in apps like Whatsapp outside the US was that data was cheaper than texting (probably just per message cost).

A lot of apartments in my area do first year discounts. The reason for that is a lot of cities have rules about how much you can raise rent in a year. Discounts are a loophole since they can raise it based off the non-discounted value. Also moving sucks and a new place has a chance of being terrible (and you’re stuck for a year). So people are more willing to pay an increase once they’re already in an apartment they tolerate.

I was in vacation in Japan. We ended our trip in Tokyo because my partner and I are into gaming and I knew we’d buy stuff. One thing we bought was bigger and a bit of a hassle to pack. I wondered how much it would have been if I had bought it online and shipped it. Turns out I lot of the newer stuff we bought we could have bought from Amazon Japan and shipped directly home for a reasonable rate (probably less than the cost of the overpriced duffle bag we bought).

Do you have any recommendations of who to trust? I’m in a good place in my career but mostly do everything myself. It’s very basic stuff but I think I could be doing better. I just don’t know what the next step is.

I wonder with these types of stories. The people were either lied to by the company, which I don’t ever see mentioned, or settled down without making sure they could. If you’re signing a mortgage and not thinking beyond a few years then it’s partially on you. Partially because covid lockdowns were a crazy time, companies weren’t communicating well because they didn’t have a plan, and recent RTO policies aren’t for the reasons the company claims.

Maybe this isn’t a hobby but just hanging out. Video games, movies, road trips, or any type of activity without it being a big deal. No agenda or expectations. Just being social. I miss that from my younger years. Now everyone is busy, tired, and getting together takes a lot of prep.

I use a variety of cards but mostly rely on sign up bonuses to give me enough points to travel with. Without those I would use a cash back.

Right now I use Bilt a lot. It alows you to pay your rent and earn points. My rent is probably ~75% of my monthly expenses. Their transfer partners are very good if not the best of all programs. It also has 3x dining which isn’t a big spend for me but it’s still good. Otherwise I have a several other cards for niche categories.

I used to be really into points and used those points to travel a lot in the last decade.

Right now it’s smart to cycle through but I wouldn’t be surprised if that is the next thing to go.

What I could see happening is they keep raising monthly prices until the math doesn’t work out of them. Then they’ll introduce a small discount for locking in multiple months (3,6,12mon). Both will continue to rise in price but month to month will be quicker.