I took mine at 62....based on the fact that most of the women in my family died fairly young (before age 65), I figured I'd rather get less now, than risk getting nothing if I too die young.  I've been unable to work for several years now, due to liv...

I think it would be fun to have a penpal, but I'd prefer it to be one on one, not on a public forum.

By the beach, but with private access.