Getting positioned to retire, I got interested in investing and benefited from all the advice and opinions available from Seeking Alpha and other sources. An admitted novice, I am not interested in publishing articles. I have invested in stocks for over 40 years, but know only a little about bonds and bond funds. Retirement is imminent. I am a career government employee-federal, county, municipal, school boards. I've worked 16 years in senior-related services including 9 in social security.