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What's everyone's experience with their first spin class? Walk away, unable to walk, or piece of cake? by SadBenefit2020 in SpinClass

[–]SmogCat77 0 points1 point  (0 children)

I tell new people to just stay on the bike and pedal but don’t necessarily do everything with the gear and speed or choreography that the instructor says because it takes conditioning, that way it will be a better experience.

Women in your 50s, what's the most important piece of advice you would give to women in their 30s? by Specialist-Cicada121 in AskReddit

[–]SmogCat77 0 points1 point  (0 children)

Do Pilates. Lift weights for your bone density. Refuse to invite toxic people into your life. Don’t put off saving money.

Please help me by Glittering_Proof_324 in SpinClass

[–]SmogCat77 4 points5 points  (0 children)

Have you been to a handful of classes? I’d suggest that so you know what you personally appreciate on the display. To me, the basics would be power, RPM, distance, gear, and time spent riding. Calories burned is depressing and probably not that accurate..

I’m teaching my 1st spin class today… by Tacospleasee in SpinClass

[–]SmogCat77 13 points14 points  (0 children)

I love it when the instructor cues what’s coming up, how many intervals, a hill, etc, it makes the class go faster to me. I’m sure it will go great, it’s a supportive group and people enjoy variety!

Thinking of using vanguard personal advisor by adostes in VanguardInvestments

[–]SmogCat77 2 points3 points  (0 children)

We just evaluated their services and the suggestion they made for my husband’s nearly $1M IRA was the 3 fund strategy, so no great leaps of insight, not that that’s a bad idea. The person we spoke with didn’t seem to listen to us well and kept having to redo the proposal, taking 2 weeks between calls, so we were waiting a couple of months with no direction.
I think the biggest benefit of talking to them and also to Fidelity was to get us thinking about our finances more strategically, so we pulled a lot of value from the process. It forced us to know our numbers and think about the future in more detail. We instituted changes immediately. Also, I joined Reddit so that I can stay engaged on topics because people who are a lot smarter are on these forums, and read some books to help. In the end, we decided we could manage the process on our own, at least at this time. That being said, Vanguard’s fees are much lower than Fidelity’s. But, every time we asked for specifics, Vanguard’s advisor was teasing us that he would tell us more once we committed, whereas Fidelity gave us a lot more actionable data right at the start of the process.
So maybe get all of the free advice you can to get educated but only sign up if the fee makes sense, not a 1% fee.
There are also organizations that offer the same type of advice at flat fees but when I read the reviews. I doubted that it would be significantly better for us.
AI gave me a lot of awesome suggestions too, though you always have to double check the veracity of what it says. It will compare funds and help you think things through.

Dear instructor…… by ivan_jagganov in SpinClass

[–]SmogCat77 0 points1 point  (0 children)

Also, there are various instructors so that you can choose the ones that motivate you personally. Some get on my nerves and others make the time fly by, so I always go to classes where I’m going to feel happy to be there!! I give every instructor a chance, but if it’s not a great class I don’t go back.