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I had option c done 2 weeks apart. While I waited for the 2nd eye surgery, I removed the corrective lens from the glasses for my 1st eye. Something must be done when 1 eye is done. Using contact lenses was an option, but I didn't want to take a risk of infection. I am very happy ...money well spent.

I like backup 2 -Living in other state or country. I used similar ideas, when I worried about my wife passing 1st. There are senior centers, where you can eat $2 lunch all week long. Warm food and someone to talk to can go a long way. My worst fear, when we retired, was going back to w*rk!

I voted increase...after a pause. Inflation is sticky for sure and I don't talk about the cost of lumber. I just don't see 99 cent menus coming back.

+1 Totally, as it was said, fund is buying and selling all the time. Maybe shifting their position to longer term bonds when they see rates are going lower? I am done with bond funds for a while, it is easier buying T-bills with auto roll at Fidelity. It is new to me, we shall see ?

I just started investing in T-bills and Brokerd CDs. I learned by watching YouTube videos: https://youtu.be/zhEiyW2N7KE

I felt the same way, fortunately we got approved. It will take way too long to get the replacement - up to 8 weeks [emoji42]

Generation Skip I would put it in college funds.

+1 Pay it off and enjoy retirement ?

Bear market continues into 2023 +1 Going into 2022 I expected correction and we got 'bear' market, so 2023 may be full of bad news also. We don't have a clue what is going on in China, etc

I like liver pate spread on sourdough bread.

It is only 8 years +1 Looking back at 72, it seems like small detail. We took ours at 62, so we would have a steady income to pay the bills. The Great Resesion was not helping our retirement and living off the interest. Zero interest rates will steal income from you if they come back. Life is...

I have a regular problem with Quicken screwing up Chase accounts. It usually happens after the software update. It is very painful to find which transaction got lost...it could be year or more. Anyway I keep daily backups for this so when I discover that my account doesn't balance any more, I...

BTW long term returns are great [emoji106]

Well, I got out of California munis and didn't renew CDs; because interest rates were going up. Oops that didn't work out. So here I am stuck with very low interest rate. It is going to work out when we have a correction [emoji38]

Paid off at zero interest rates +1 Cash is paying 0.5%, why would we pay 3% for mortgage. So we are in no debt in retirement camp. It came in handy when moving out of California. We bought a new house with mortgage, planning to pay it off after selling our CA house. Lot less pressure that way.

Same here, let them charge the cc. There should be no late fees that way.

I would use multimeter with breaker off and extention cord .You can ohm or continuity test where you loose your netural. Replace the old outlets in the process. Good luck

+1 I only keep returns for 3 years for a reference

+1 I would keep the condo, get helth insurance in Spain as recommended by others and enjoy the retirement.

+1 We took SS at 62. It helped me with no steady income worries since the 0 interest rates are killing the old idea of 'live off interest'. Most of our basic expense is covered now. Health insurance is an other story, I hope you have that covered until 65. Having the house paid off was very...

We snow bird in AZ, so no time change for us. I really like it. This year I noticed the time change for everyone else, since our daughter moved to Alabama. She calls at different time now. It takes my body one week to adjust to new time otherwise. I think they should get rid of it.

I like using Skype to stay in touch with my brother. It's easy to use as a video phone. But our kids and grand kids will not have it. They wish we would get iPhones, like everyone else, so we could FaceTime. Pressure was great...we started using zoom and it is all better for now. Skype is...

I use DuckDuckGo browser on Android cell and Firefox on our PCs. I try to backup bookmarks to html file often so I can recover from browser update problems.

Sirka rhymes with Jirka. I was teased at young age: Jirka...Sirka....Bubenik...ha ha hahaha. So I have used Bubenik, also. I don't play drums, but my farther was a musician.

I was along the same line; I always read the name as 'Pushkin '. Lol it makes sense to me somehow .