I just turned 64 and need 2 more years of working ~ mainly to Feed My Roth! So ... I am interested in dividend paying stocks and ETF's that pay on both MONTHLY and Quarterly basis. (Any recommendations will be investigated and appreciated!) I also have a blog that the daily Seeking Alpha articles will be posted to ~ as a means to ~ share the wealth of information with those of like mind! Our thinking about this is ~ Age doesn't matter but your Interests DO! Options, I don't understand. Long Term investing in Aristocrats makes sense to me. I follow to Warren Buffett! And I check and sometime follow Jim Cramer's advice ~ although sometimes I have wished I hadn't! (COG comes to mind ~ but I also 'chased it' ~ so it's mostly My fault on that one!) I keep learning and I endeavor to keep a positive outlook! And, I have had Help from SA authors who have been kind enough to respond to my email - which is much appreciated! I don't know that I will contribute as an author but I will keep reading and learning and emailing ... with the hope that I will eventually become authoritative enough to consider that ~ one day.