My 401K was a great savings tool.  However, it's a bad investment tool.  Let me explain.  Since retiring 2 months ago, I decided I could no longer sleep well with the ups and downs of the market.  I put everything into a fixed 3% interest account.  I'd rather make a little than lose a lot.    When I calculated the e...more

I most certainly believe in conserving erergy.  However, here's an interesting story.  Back in the 1990's a California town was experiencing a drought.  So, they mandated that everyone conserve water.  No watering lawns, no washing cars, water saving toilets and showers, etc.  Sure enough, the town reduced their water ...more