Trailrunner, Jterrilynn, & Nance...thanks for the kind words! Golddust, I love your haircut. It enhances your pretty, delicate, heart-shaped face & high cheekbones. Adorable! Dlm, wow! You have great hair & look marvelous with it straight or curly! Nice to have options. I assume that's your DH & son? They are certainly handsome too! Beautiful family. LvrGolden, Mona, & Rose...all beautiful ladies over 50 with great hair! Oakley, I am dying to know what you think of your virtual hairstyling! I think Kelly found just the right do for you, and you know what? You really, really do look like Meg Ryan! You two have very similar features except that you are not scarecrow thin like she is (fortunately...'cause that's scary!) You would look great with layers around your face if you want to take baby steps toward shorter hair. I'd be delighted to get free advice too, if anyone has any suggestions. All feedback is good feedback. It can be hard to know what hairstyle options to pursue as we find ourselves no longer 25!

Sorry for the length of this: It's half-amusing, half-offensive to be accused of shilling for anyone, since Im as self-taught as one can possibly be. Dreamgarden seems to have ignored all my many posts on other threads over the years. So let me restate my (lack of) credentials to reassure you that I have no vested interest in whether anyone ever uses a planner, advisor, broker, or banker. Havent earned a penny from anyone since 2006 when I retired and the last time I met my ex-boss for lunch, I bought HIM lunch, LOL. For the record, most of my friends and all of my family are like DH & me - we don't have enough liquid assets to be of interest to most financial planners. I have free access to CFPs thru DHs retirement portfolio, but I dont need them. Why? Because I enjoy finance and investing the same way I enjoy reading history, science, and mystery novels IOW, for the sheer fun of it. I read extensively Ive had a subscription to the on-line WSJournal since it was first offered, and read it every day plus I clip articles obsessively from a variety of websites. But I would NEVER assume that others want to spend their time the same way. Old Joyful, for instance, likes to invest in individual stocks. He and I had a recent discussion thread about this. I have no interest in anything but mutual funds. Individual stocks dont fit into our tax and financial situation. I have the healthiest respect for his knowledge and acumen, but the fact remains, he lives in Canada and I live in the US. My financial planning is going to be very different than his, just as my goals are different. I know from our own experience how hard it is to sit down and do estate planning. We dont have much of an estate compared to many, yet it took us decades to learn to identify the things we needed to do, so we could finally do the things we wanted to do. Ignorance is most certainly NOT bliss, as we, and so many others, have discovered! I am a firm believer that we should be teaching some of this stuff in school. The world has changed rapidly and drastically, and us middle-class Boomers are stuck trying to figure out a world so much more dangerous than our parents grew up with. If you read my post more carefully, you would see that I wrote that even cheapie (e.g., simple) plans can at least provide a starting point. I do my own planning, using the WSJournal calculators (a subset of which are available on Schwabs website, or so Ive been told). Ive tried others on the web, but wasnt satisfied as they cant be altered to fit our own unusual circumstances. If a simple planning software can help someone, all to the good. I havent found them very helpful, but that doesnt mean I call them all garbage. WSJs toolset comes closest to allowing me to set the appropriate parameters, without having to pay someone to do a plan for us. Why should I pay, when I have the knowledge to do it myself? Its not hard, it just takes some effort and decision-making. THIS is what a planner is for: to help you (if you cant do it yourself) quantify where you are right now, and where you want to be. This is related to investing, but investing is only a very modest part of it. Its the planning process thats critical, yet not well understood. YOU must do the decision-making. No software program or customized plan means anything if you cant accept the reality of what your current circumstances are, and are willing to work at reaching your goals. I recently talked a young family member out of seeing a planner because I was able to help her identify some long-term goals. She also needed some very basic help diversifying her portfolio. In a decade or so they should probably meet with a planner to ensure theyre on track for whatever their goals are at that time. But until then I told her there was no reason to consult with anyone unless a life-changing event occurs. Its more important for her to have all legal docs in order, at this stage of life. I learned a lot from my ex-boss "G", but I have never referred anyone to him. The people I know who have enough money for financial advisors, already have them. The one time I was emailed off-line to ask for an intro, I refused to do so as the specific circumstances of that person made it inappropriate, in my view. "G" is semi-retired, but stays in the business because he loves working with people. He does a lot of pro bono work and is both well known and respected here as he's been active in professional organizations for over 30 yrs now. He trains his office staff not so much on what to do, but what NOT to do. He is ethical and very, very precise about working for the good of his clients, which is why he has many families who are second- and third-generation clients. BTW, Madoffs clients should have known something was "funny" just in the fact he had them writing out checks to his name. Thats a definite no-no the assets should always be held by a third-party institution. The woman (also a CFP) who works in "Gs" office and produces the financial plans is a former elder care specialist who got into the financial side late in life. These customized plans cost a minimum of $4K and range up to $10K. They are certainly NOT for everyone, but when appropriate, can make a huge difference in someone's life. Most people dont need them, but the ones who do, need them a great deal! I worked with some of those clients, and their lives were definitely better for having gotten a good financial plan and then executed it properly. Actually, now that I think of it I did refer someone to my ex-boss. I told my DH that if I die before he does, he's to sell the house (I maintain it and the garden in addition to all the finances; he has no interest in such things), take the insurance proceeds, and bring the money to "G" to handle. You did not have a good advisor. Thats not your fault. Its hard to evaluate credentials when youre on that steep learning curve. But a good advisor isnt looking for the next hot thing for you a good advisor helps you identify your goals and gives you a roadmap on how to get from where you are to where you want to be. A good advisor says "no" to you almost as often as s/he says "yes." Its important, but difficult, to learn how to differentiate the good from the bad. The more educated we are in this area, the better we can tell who can help us and who cannot. Id liken financial planning/investing to painting a room. You can do it the sloppy easy way. You can do a "sorta-kinda" okay paintjob, shoving the furniture out the way and covering it. Or, you can do more extensive prep work: masking the moldings, laying dropcloths, priming and using two coats. You can use cheap paint and cheap brushes. You can use top quality paint and the best brushes or rollers. Its always your choice. Each method gets the job done, to varying levels of satisfaction, cost, time expended, and durability. Saying that **ALL** CFPs are worthless is like saying all professional painters are worthless. Some are, and some arent. Some people need one all the time/every time, and some only need one on occasion. It isnt for me OR for you to make that unilateral judgment. Using a pro for anything is always an individual decision that should never be taken lightly. Nor should that decision be disparaged, once made. Often a pro does do a better job than an amateur can. Sure, a talented amateur can sometimes better a pro but they need the talent, the interest, the skill, and the time. Not everyone has those in equal measure. To expect it of every person is unrealistic and unfair. I feel fortunate to have had the generous and thoughtful assistance of others in my life. Weve had some serious setbacks that could easily have turned out badly, but in the end everything worked out (so far at least!). If I can help others avoid some of the mistakes we've made, then I feel its worth the effort. We did okay (my ROI over 25 yrs is way better than average), but perhaps we could have done better if we hadnt been so ignorant for so long. We were at times the recipients of sheer dumb luck, but thats something one shouldnt be counting on to happen. Dreamgarden, may you have better luck in the future finding people or resources able to help you.

At home, I almost always serve fish filleted so it's rather nondiscript. But, when we're offshore on a cruise and have caught our dinner from an afternoon of drifting with a line in the water we'll clean the fish & toss them on the stern BBQ without cutting off head/tail. We use the head/tail as handles to eat. I've never given it much thought until this thread. It's common practice amongst boaters. Not cutting them off is less opportunity to cut ourselves. :) Keeping knife useage to a minimum on a rocking non-commercial boat makes pretty good sense. Here, at our marina's cleaning station, it's about 50/50 for tossing the heads to the gulls & leaving them intact. There are some first-mates (women) that are squeamish & get gaggy when their captains (DHs) plunk whole fish down on the galley counter. We also have a whole pig roast every August at the marina. Some smart-alex always puts a whole fish in the pig's mouth. We are all rather crude, I guess. When that pig is done...we just attack it with our fingers, forks, & other implements of destruction eating it right off the spit down to the carcass. There's usually about 125 of us & we've got whole freshly caught tunas to go with the pork. That's the reason for the roast...to celebrate the tuna catch. Everybody shares what their boat has brought in. It never occured to me that I should prepare the g-kids about fish & pig heads. Now, I'm feeling bad. :( Nobody has ever said a word so I hope they haven't been traumatized. My granddaughter is a little drama queen so I think if she was grossed out I'd surely have heard about it! Interesting thread, dcarch. /tricia

Faron - I start my Stihl on the floor by sliding my foot through the handle to help keep it steady. However I'm unable to start our generator - the pull cord is too high up and I can't get enough torque - I'd need a stepladder. My profession was dominated by women and I can readily say that I never faced discrimination at work. Of course like most women I've encountered my share of men making crude comments and insinuations and as a young woman was never taken seriously when I took my car in for repair. And there were a few alarming situations where I seriously worried about my safety. When DD was growing up I tried to set an example for her, I felt it was important for her to see me as a capable woman. I wanted her to be strong and independent . When she graduated from college we went to buy her first car. I had already locked in the price online and brought a copy of the sales agreement. However the salesman kept saying that certain items were omitted and he wanted to re-write the agreement and came back with a higher price. I walked out of the dealership. DD was crushed because she thought she wasn't going to get her car. The salesman came running after us and we did get the car - at the original price. It's a story she vividly remembers. However she is now working in a male dominated job and is facing discrimination, ridicule and even career sabotage. There is no HR department, she has to take these issues to her boss - who frequently says that she's whining and then later approaches her when she's alone and rubs her back and says he's sorry. The only other females at her work place are doing clerical or administrative work and are off premises. She's the only woman working on the job with 6 to 8 men. It has become a toxic work environment and she has consulted with an attorney as to how to proceed. I'm proud of her for taking the initiative to get legal advice but she's so disillusioned and stressed that she's also looking for another job.