These adjustments are supposed to be actuarially neutral--meaning if you live to the average age, you get about the same whether you start collecting smaller checks early or bigger checks later.

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Just writing bigger checks was not enough.

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Most portfolio managers desperately want to believe that the economy will improve this year so they can pocket bigger bonus checks for 2012 than they will for 2011.

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Incredibly, the wife can undo her early retirement by paying back, without interest, the Social Security benefits she has received and then wait until 70 to claim bigger retirement checks for herself.

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During that time the clubs have got bigger and heavier -- as have the pay checks and the relentless media attention which comes with life on the Tour.

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As the months went by, Nelson got statements showing her nest egg getting bigger--but without ever getting the quarterly profit checks that had been promised.

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