"Check out this website http://www.cashcoachdick.com."

Jim, it is good to hear that you remain vertical, as do I.  Hang in there!  I remember as a 2LT a friend always said, "When the going gets tough; the tough get going."  I have never forgotten that and every time I am ready to throw in the towel, I just "get going" again.

Here in GA once you hit SS age, you can go to college free.  So I have been going back to college to take those courses that I was not interested in the first time that I went through.  I just finished a course on Constitutional Law.  The professor was a corporate attorney.  To sum up that experience:  before the course was over, the professor got into the habit of asking me if he was correct anytime that he introduced an issue about which he was unsure -- or thought I might have deeper insight.  At the end of the course all of the students came by my desk -- it takes me longer to leave than the youngsters--and shook my hand to say good-by.  

Some of the stuff that I pick up on this website is most useful.  Now I have to get back to work.  One more thing: occasionally I am asked to speak on the Income Tax -- can you believe it? -- the same people ask me to come back and do it again to more people.  Gotta run.  Bad Bob

Jim, remain verticle ... it is harder to get over us!

Bad Bob