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There's a great drop-in senior center in our town that offers lots of classes. The cut off age is 50 and older. I take line dance classes on Wednesdays with a friend of mine. We're both mid-60's. $5 a class and you don't have to sign up, just show up. The class is very popular and the teacher...

We installed a Watts hot water recirculating pump that saves lots of water when using hot water. Easy for my DIY hubby to install. Cost = $199 at Home Depot. (Read the product reviews for more info on how they work.) It has a timer, but we are using a smart plug to control it. Very nice to have...

A friend gave me a book "One Day at a Time in Al-Anon" which really helped me late at night when I couldn't sleep, worried about our 22 year old son's drinking and DUI. Helps to understand that you cannot control their drinking and that getting angry at them only makes them and you feel worse...

Eligibility for Medicare does influence baby boomers' decisions as to when they can retire. It certainly will influence mine. And if someone retires, then a job opens up for someone else who is unemployed. Why do you think they invented social security back in the great depression? To get...

Medicare at age 55 would allow baby boomers to retire earlier and reduce unemployment. Below is what I've been emailing to assorted senators. It won't be popular with folks who aren't earning wages... Medicare for folks starting at age 55 is a great idea. But let's make sure Medicare is...

Thanks to both of you. Simple is good. I think I'll keep my cash in CD's for now while learning more about bond funds and seeing where interest rates head.

Thanks LOL. We don't have any bond fund loses at this point and would be using cash to buy add'l bond funds. Any recommendations for bonds other than VBMFX? Our AA isn't too formalized and we probably have too much in cash (CD's and savings accounts), though it feels good with all the stock...

Hi – Newbie here. (This will be obvious from my next sentence...) We have our stock funds in our tax-deferred retirement accounts and cash/bond investments in taxable accounts. Without changing our AA, I believe we should sell some of our stock funds inside the retirement accounts and buy...

Our experience with owning a rental house has been very good. Over time rents keep up with inflation and the depreciation write off is nice in a high income tax state like California. Including the tax savings, we get about a 7% return on the cash we have invested in a 3 bedroom, 1 bath house...

We've lived in Santa Rosa since 1985. Moved here because it was cheap back then. It's pricier and more crowded now, but still has a lot going for it. We've thought of cashing in our equity (we own our house and a rental, both with no mortgages) but have yet to find a place we like more. Plus...

We "downshifted" I think you're ready to downshift! We sold our construction business 1.5 years ago and have about 1.4 million is assets, in addition to $600K equity in our house (no mortgage). Our kids are 11 and 12. The biz was taking up way too much of our time and energy. We have no...