Good thing! I was going to tell folks in another thread that I'd posted a recent photo of you, Bob, but they might get the wrong idea about what I was sending!

In the "for what it's worth" department, I've been trying to set things up so that years from now they are all taken care of as far as helping myself and helping the kids. They know they have to do a lot for themselves now, including paying for much of college, because as a single-mom-state-employee, I'm not in a great position to crank out the dollars. I'll provide room and board if they go to school locally, and I'll do what I can if they go elsewhere. They are getting the information now about saving and investing so that they can achieve a level of comfort as far as owning homes, having money to travel, etc. When what I have goes to them, I want the move to be peaceful and easy for everyone. And though it may be a bit insurance-heavy now, I have both short- and long-term care insurance. (If you get in when they first offer it, you don't need to get a physical, etc. Since I had cancer surgery a few years ago, if I waited, they might exclude me later, even though my surgery completely took care of the cancer.)

I wonder what stories my kids will be telling about how I tried to take care of everything--if I succeeded or not? My parents both did, but that's partly because neither of them outlived any of the benefits they were receiving as retirees.

SRS