I retired in 2005 at the age of 64. I live in Santa Rosa, CA. My pension and Social Security benefits cover my needs. In May of 2010, I decided to take over managing my securities. Being a novice, I struggled the first year. In 2012, I found SA and the Dividends & Income section. The articles have been invaluable. I value the authors and the many who comment (some more than others). My investment style has evolved to be a total return investor. My goal is to seek a total return of 10.3% annually. My credo about money is to spend some, save some and give some away. My belief about life is to be of service. Thus, I volunteer at the Ceres Project where I deliver meals to those who are undergoing cancer treatment, at the Center for Spiritual Living Santa Rosa, where I sing in the choir as a baritone/bass and I help with my two grand sons. My icon is the Chinese character for Snake representing the year I was born under the Chinese Zodiac. My username Hoisan is the area in China where my father and mother were born.