* duffer: an untrained, inexperienced but opinionated person, especially an elderly one. This blog contains the thoughts of a retired photojournalist, a senior and a duffer when it comes to finance. Circumstances forced the author to manage his retirement finances. He has done well but he is NOT a a financial adviser. The opinions expressed are his and should not be construed as legal, tax or financial advice. Those seeking professional advice should see a professional adviser.