Winter in Lassen National Park

According to the National Park Peak Experiences publication, Lassen National park was first created after  the historic eruptions of 1915 and the efforts of Congressman John E. Raker to draw attention to the area and garner support for the park idea on a national level.   The park has continued to expand the over the years to include
winter favorites like Manzanita Lake and Sulphur Works with its popular ski area.

Shoe shoeing on Manzanita Lake at Mt. Lassen National ParkWinter activities in the park include snowshoeing, sledding, winter backpacking, cross country sking, snowboarding and nordic sking.  One of the most popular ways of enjoying the park in winter is snowshoeing and the park offers ranger-led snowshoe walks on Saturdays and Sundays, January through early April.  The snowshoes are provided and the walks start at 1:30 pm and usually last about 2 hours.  The best part about the walks is that they are free although the park ranger will ask for a suggested $1 donation for snowshoe maintenance.   The ranger will demonstrate how to put on the snowshoes and how to move around in them before the walk begins.  The park recommends coming prepared with snow boots, warm layers, water, lunch and/or snacks.

For those who have their own shoe shoes or are more familiar with walking on snow, several trails can be found at both the north and south entrances. The trails range from beginning to advanced levels and many of them have spectactular views.  The trail we tried this visit was the beautiful Manzanita Lake Snowshoe Loop at the north entrance.  This was a beginner trail with a distance of 1.5 mile round trip, although it definitely felt like it was longer.  Although the park states that the average time to complete the loop is 1.5 hours, you can definitely spend a lot longer exploring all the nooks and crannies and enjoying the wildlife and beautiful views of Lassen Peak and Chaos Crags.

Lassen National Park in Winter - Manzanita Lake
Manzanita Lake in the winter at Lassen National Volcanic Park

When planning your winter visit it’s important to note that Lassen Volcanic National Park Highway usually closes by mid-November for the winter season due to snow. Butte Lake, Warner Valley, and Juniper Lake roads close to vehicle traffic for the season due to snow around late October and usually reopen in late June or early July. Plowing on the park highway usually begins in early April and continues through late June.  For more details on winter activities in Lassen Nation and trail and road conditions, view the Lassen National Volcanic Park Peak Experiences Winter Newsletter or visit the Lassen National Volcanic Park Website.

Some National Parks Facts

  • Visitors to Lassen in 2014 – 432,977
  • Visitors to Yosemite in 2014 – 3,882,642
  • Total National Park Visitors in 2014 –  292, 800,082

The 10 Most Visited National Parks (2014)

  1. Great Smoky Mountains NP 10,099,276
  2. Grand Canyon NP 4,756,771
  3. Yosemite NP 3,882,642
  4. Yellowstone NP 3,513,484
  5. Rocky Mountain NP 3,434,751
  6. Olympic NP 3,243,872
  7. Zion NP 3,189,696
  8. Grand Teton NP 2,791,392
  9. Acadia NP 2,563,129
  10. Glacier NP 2,338,528

The 10 Most Visited Places of the National Park System (2014)

  1. Golden Gate National Recreation Area 15,004,420
  2. Blue Ridge Parkway 13,941,749
  3. Great Smoky Mountains National Park 10,099,276
  4. George Washington Memorial Parkway 7,472,150
  5. Lincoln Memorial 7,139,072
  6.  Lake Mead National Recreation Area 6,942,873
  7. Gateway National Recreation Area 6,021,713
  8. Natchez Trace Parkway 5,846,474
  9. Chesapeake & Ohio Canal National Historical Park 5,066,219
  10. Grand Canyon National Park

Source – The National Park Service Website

15 401K Calculators and Retirement Calculators Worth Checking Out

The purpose of a 401K Calculator is to calculate the compound interest growth and future value of your monthly 401k contributions. To achieve this, you will be asked to provide some basic information such as your beginning balance, an estimate for all contributions that include yours, your employer match and any catch-up contributions, an expected annual rate of return and the number of years until retirement.  Retirement Calculators, however, are more in-depth retirement planners that allow the modern retiree to plan a retirement with multiple sources of income and assets such as phased-in income, part-time earned or business income, income from rental property and other sources of income.  Some of them also allow you to input spousal data at the same time.

Not all 401K calculators are retirement calculators are created equally and there is a lot of controversy on their use.  There are many different 401K Calculators and retirement calculators available and they all differ slightly. All the 401K and retirement calculators require some  basic information that you need to enter into the fields like how much money you plan on saving each year and your expected annual rate of return.  You may also be asked your retirement age, life expectancy, inflation, portfolio size, and expected retirement expenses.

The following is a list of 401K Calculators and retirement planning calculators that are currently available to use for free on the internet.  We’ve separated the retirement calculators into Modern Retirement Calculators and Simple 401K Calculators and recommend that you try out a few of the different ones and find out which ones best meet your planning needs. recommends that you keep in mind that a retirement calculator is a valuable tool only when used properly, but can dangerously mislead you when used improperly.  They also advise that all retirement calculations are just mathematical projections of input assumptions to form hypothetical estimates.

Modern Retirement Calculators

Financial Mentor – The Ultimate Retirement Calculator – This retirement calculator has more functionality than most. It does all the usual forecasting of retirement savings needs, adjusting for inflation, etc. that other retirement calculators do consistent with the way people used to retire, but in addition it allows you to plan a modern retirement with phased income, part-time business income, real estate income, and much more.

Flexible Retirement Planner – The Flexible Retirement Planner uses a Monte Carlo Simulation to help you build a state-of-the-art retirement simulation that models your retirement rather than simply calculating it. The planner describes the results in terms of your plan’s “probability of success”.  To help you capture the exact details of your plan, the planner supports a wide range of user inputs with an additional input page that can give you even more control over how the planner simulates your retirement. . In addition, it implements the latest research on retirement spending Decision Rules.  The flexibleRetirementPlanner lets you model this to get a better picture of how well your retirement plan might do in real life.  Note you need to have Java installed on your computer to use the planner.

ESP Basic Planner – ESPlannerBASIC is the free, simplified, on-line version of the company’s patented, personal financial planning software.  This in depth retirement calculator suggests how much you should spend, save, and insure each year to achieve a stable living standard, now and through retirement, without borrowing.  It can also help you raise your spending power and make lifestyle decisions. It shows the living-standard impacts of changing jobs, contributing to retirement accounts, having children, down-sizing your home, retiring early, waiting to collect Social Security, and much more.  ESPlannerBASIC considers your economic resources, federal and state taxes, and “off-the-top” (non-discretionary) spending on housing, college, etc. in making annual discretionary spending, saving, and life insurance suggestions.   You can use ESPlannerBASIC free of charge as long as you don’t sign in and your data will be saved for a few hours. If you want to save your data on an ongoing basis, you will need to register and buy a $40 license.

Marketwatch – A great, easy to use retirement planner that you can use to see if your retirement is on track based on your current spending goals.   The planner lets you customize your assets, income and retirement spending and further refine your retirement plan by adding detailed assets and income.  This is one of the few calculators that lets you include your spouse into the equation so you can get a complete picture by inputting both parties current age, retirement age, last salary, held assets, savings and any future income including social security and your yearly retirement spending.

AARP Retirement Calculator –  The AARP Retirement Calculator can provide you with a personalized snapshot of what your financial future might look like. You will be asked to answer a few questions about your household status, salary and retirement savings, such as an IRA or 401(k). You can include information about supplemental retirement income (such as a pension or Social Security), consider how long you intend to work and think about your expected lifestyle as a retiree. The tool will help you determine the amount of money you’ll need to retire when – and how – you want.

T.RowePrice Retirement Income Calculator – This award-winning retirement planner can assist you in calculating how much you may be able to spend each month and how long your savings will last. Use this retirement calculator to better manage your financial assets and get the most value from your retirement savings.  You need to register before you can use this calculator so be aware that based on your inputs, T.RowePrice will suggest next steps for you to consider, including products and services from the T. Rowe Price family of companies that can help you meet your goals.

Simple 401K Calculators

Financial Mentor Simplified– Financial Mentor offers a simplified 401k Calculator that calculates the future value and interest earned on a current 401K balance and monthly contributions once you’ve provided an estimated rate of return and number of years to retirement.  According to their website, they believe it is wiser to keep this calculation very simple by assuming an average annual contribution in today’s dollars that balances for future growth in earnings, your unique employer matching situation, catch-up contributions, highly compensated employee limitations, and other variables. They suggest you just aggregate these various factors into a simple annual contribution and think exclusively in terms of today’s dollars.

FireCalc – An interesting strategy where FIRECalc shows you the results of every starting point, since 1871. You can get a sense of just how safe or risky your retirement plan is, based on how it would have withstood every market condition we have ever faced.   The assumption is that if your retirement strategy would have withstood the worst ravages of inflation, the Great Depression, and every other financial calamity the US has seen since 1871, then it is likely to withstand whatever might happen between now and the day you no longer have any need for your retirement funds.  So, if you accept that assumption, then just tell FIRECalc how much you have and how much you’ll be spending, and FIRECalc will tell you how often your strategy would have worked throughout history. Or what you need to change to make it all work.

AARP 401K Calculator –  AARP’s basic 401k calculator. – This simple to use 401(k) savings calculator can help you to figure out how large your 401k plan might be at retirement. The calculator will predict the 401k fund balance at retirement age, along with the annual income you might expect from this type of account – This 401K calculator enables you to estimate your 401K balance at retirement as well as the payout after retirement based on income, contribution percentage, age, salary increase, and investment returns. If you can input a reasonable average annual inflation rate, you can get an approximation of the real value that the 401K balance will be at retirement age. –  A simple to use 401K Calculator that requires a percentage to contribute, annual salary, annual salary increase, current age, age of retirement, current 401k balance and annual rate of return, employee match, employer match ends

Bloomberg 401K Savings Calculator – A simple to use 401k saving calculator that even includes a catch up column that results is a retirement savings plan you can not afford to pass up.

Vanguard Nest Egg Calculator – This simple visual calculator determines how long your current nest egg will last you.  You first provide your desired number of years that your portfolio should last, your current portfolio balance and your current withdrawal rate.  You also need to provide the percentage allocation between stocks, bonds and cash. According to their description, the calculator determines these possible outcomes using a technique called Monte Carlo simulation, which involves simulating a large number of potential market scenarios—up and down markets of various lengths, intensities, and combinations.

Cori by Blackrock – An interesting retirement calculator that uses a CORI index based on your current retirement savings.  CoRI™ is powered by the CoRI Retirement Indexes (“CoRI Indexes”), which are a series of real-time, age-based indexes designed to help Americans measure retirement readiness and plan for future income goals. According to their website, each CoRI Index provides a daily “level” that can be used to estimate, as early as 10 years before retirement, how much annual lifetime retirement income your current retirement savings could generate.  If you’re 55 to 74 years old, CoRI Indexes can be used to get an instant estimate of the retirement income your current savings may provide.  You can find out more information about the CORI index here.

The World’s Most Healthiest and Affordable Places to Retire recently announced the results of the International Living’s Annual Global Retirement Index.  The index, which ranks best places to retire in the world on 10 different categories, is the result of  months of research by their ever-growing team of correspondents, editors, and contributors  from all over the world and is a resource for helping you find your ideal retirement haven.

Refined every year, the research spans across 10 categories including buying and renting, benefits & discounts, visas and residents, cost of living, fitting in, entertainment and amenities, healthcare, healthy lifestyle, infrastructure and climate.

Of particular interest to was the rankings for affordability and healthy living.  “This year we’ve added two entirely new categories. Time and again, we hear back from readers looking for a healthier lifestyle overseas. So we’ve added a Healthy Lifestyle category.” notes International Living (IL).  “It includes everything from groceries to utilities, from rent to transport—every expense involved in living a comfortable retirement was factored in here.”

While Panama was ranked this year as the overall best place to retire in the world, Cambodia ranked highest (100) for having the lowest cost of living with everything factored in for a comfortable retirement including groceries, utilities, rent, transportation and eating out. According to local expats, you can eat out for less than $5.00 and rent an apartment  in a nice area for as little as $250 a month.

Nicaragua came in second as among the most affordable countries with a Global Retirement Index of 98. “Here you can live a great retirement for $1,200 a month. This includes renting within a short walk of stunning Pacific beaches for only $400 a month, and great food (fish, pizza, lasagna, Mediterranean salads…you name it) for less than $10 per dish” the study notes. Nicaragua also scored high for healthy living, achieving a Global Retirement Index of 97.

Peru also scored high for affordability, achieving a Global Retirement Index of 95. “Peru has by far the most affordable cost of living,” says IL’s David Hammond,  who, according to the study, was hugely impressed by what he saw there. “A couple can live in a city that has it all for $1,000, including rent.

That small budget will cover you for renting a two- or three-bedroom apartment with a terrace ($335 a month), water ($10), electricity (around $27) and cable and internet ($50 combined) as well as everything else you might need” he said.

So where are the more healthier retirement havens?   Costa Rica earned top marks with a Global Retirement Index of 98, the study notes.   According to expats interviewed in the study, Costa Rica offers huge scope for living a healthy, outdoors lifestyle.   The great climate allows for plenty of growing opportunities so fresh produce is readily available for retirees who say you can fill your fridge for under $40 a week.  “The great weather also means you can get out and about at any time of year. And many expats report eating more healthily since they arrived” IL reports.

Retirees who are seeking world-class healthcare facilities  might want to consider Columbia cities like Medellin, which scored 95 on IL’s Global Retirement Index in the category of healthy living.  Many of International Living’s readers say they are looking to escape from the polluted North American cities and processed North American food.  “They want to find fresh air, farm-fresh produce, and clean living overseas” , IL notes.   Clean air and fresh food can be found at many of the countries rated high in the IL index for healthy living including Nicaragua (97), Panama (95), Colombia (95), and Ecuador (95).

Many of the retirees interviewed say they eat more fresh fruit and vegetables with a lot less preservatives and the water doesn’t have fluoride in it.  They also tend to walk a lot more and get more fresh air.  “It’s been great for our health,” says expat Rob Evans. Rob has lost 50 pounds since moving to Costa Rica’s Central Valley with his wife Jeni in 2014.  Another expat Greg Seymour, who lives near the town of Grecia says that since settling in Costa Rica, he has taken to “exploring the mountains and forests around his home, and feels all the healthier for it.”

For more information and to  see the top 10 places to retire in the world in 2016 and how other countries rated in some of the other retirement index categories,  view the article on Panama, the World’s Best Retirement Destination 2016 here. Panama not only scored high in most every category of International Living’s Retirement Index including healthy living, but also got a perfect score in the “benefits and discounts” and “visas and residence” categories.  The reason is because Panama makes it easier for you to become a legal resident than virtually any country we’ve ever written about, IL reports.

Also view the article and infographic on Where are America’s Most Healthiest and Affordable Places to Retire?

Where are Americas Most Healthiest and Affordable Places to Retire? (infographic)

A recent study by the Center for a Secure Retirement researched America’s best cities for a healthy and more affordable retirement.  The study, highlighted in the infographic below and published in detail here, ranked 60 of the largest U.S. metropolitan areas in terms of health and affordability for middle income retirees (those with household incomes between $25,000 and $100,000 and investible assets of less than $1 million) .


To determine how healthy a city was and for the city to qualify as one of the most healthy cities,  the study examined eight different categories including healthcare, the economy, social wellness, activities, the environment, transportation and crime.  To determine a cities affordability and for the city to qualify as one of the most affordable places to retire, the study paid special attention to the cost of living index, median housing prices and the median rental prices.

Some of the best places to live in the us in retirement were surprising as it appears that being the most affordable place to retire wasn’t always the most important factor as Seattle, a somewhat more expensive city, got the number spot due to it’s wealth of outdoor activities.  Hartford was ranked as having the highest concentrations of Boomers in the U.S. and one of the top ten healthiest cities in america,  probably due to it having one of the most affordable home healthcare industries in the study. While the most physically healthy residents live in Salt Lake City, also one of the healthiest cities in america, many retirees love Denver and Portland for their abundance of outdoor activities and many cultural activities,  according to the study.

So here is the lineup of the top 10 healthiest cities to live in retirement and most affordable places to retire in the US.

  1. Seattle, Washington – Despite being one of the more expensive cities on the list, Seattle got the number one spot due to it’s natural beauty, moderate climate and wealth of outdoor activities.
  2. Minneapolis-St. Paul, Minnesota – Even though it’s known for it’s cold weather, the number two spot went to Minneapolis-St. Paul where retirees report high levels of satisfaction and social and emotional supprt.
  3. Denver, Colorado – Seniors and young people alike love Denver for it’s abundance of outdoor activities.  The City also ranked well for it’s wealth of cultural activities which include the Denver Performing Arts Complex which is one of the largest centers for the arts in the U.S.
  4. Portland, Oregon – Popular with both the young and retirees alike, Portland’s natural beauty, attractions and educational opportunities continue to entice new residents.  Also noted in the study was the Oregon Health and Science University Hospital which is nationally ranked in five adult specialties, including oncology and geriatrics.
  5. Hartford, Connecticut –  According to the study, Hartford has one of the highest concentrations of Boomers in the U.S. probably due to it having one of the most affordable home healthcare industries in the  study. It appears that the residents also get involved in the community as the city has some of the highest levels of civic involvement and volunteering, the study notes.
  6. Omaha, Nebraska – A good economy, low cost of living, housing prices, unemployment, and low crime rate make Omaha attractive as a healthy and affordable place to live.  Not to mention high levels of satisfaction and support being reported by local resident Boomers.
  7. Baltimore, Maryland –  Mostly noted for it’s healthcare facilities which include the Johns Hopkins Hospital, Mercy Medical Center and UM Medical Center which rank among the best in the country.
  8. Pittsburgh, Pennsylvania –  It appears Boomers love Pittsburgh,  not only for its affordability but also for its low crime and top cultural institutions that include the Andy Warhol Museum and the Pittsburgh Public Theater.
  9. Cleveland, Ohio –   Cleveland’s low housing prices and top hospitals for cardiology, urology, geriatrics, oncology and a dozen other specialties gained it the number nine spot.   Playhouse Square, one of the nation’s top theater districts adds to the cultural way of life that resident retirees enjoy.
  10. Salt Lake City, Utah – This city was noted as having some of the most physically healthy residents in the study boasting low levels of smoking, cancer, heart disease and Alzheimer’s disease. Good pubic transportation also helped this city gain its number ten spot.

If you’re looking for an affordable place to retire or want to learn more about the most healthy cities to retire in,  you can read about this study and which other cities were ranked in the study on America’s Best Cities for a Healthy (and More Affordable) Retirement by clicking here.

Microsoft Office 2016 for Seniors – The Program Interface with Word

Microsoft Office 2016 for Seniors

This is the first lesson in a series of free online computer classes for seniors where we are focusing on Microsoft’s latest version of Office, Microsoft Office 2016.  This free online computer training for seniors will focus on beginning computer classes for seniors  in Word, Excel, PowerPoint and Outlook 2016. will be offering a variety of different computer lessons for seniors through-out the year.

A Look at the Word 2016 Interface

Microsoft Office 2016 is the latest version of Microsoft Office and is the version that will ship with your computer if your order a new one.  The latest version of Office is a very powerful Office Suite that consists of applications that perform a variety of different functions.  These applications allow you to:

  • Create letters, flyers, brochures and newsletters using Word
  • Create spreadsheets to manage your budget and account balances with Excel
  • Create presentations for your volunteer activities using PowerPoint
  • Send and receive email and manage your schedule with Outlook

Even though the Office applications are used for different functions, they all share a common interface so once you get familiar with one, you’ll find the other applications work in similar ways.  In this lesson, you’ll get familiar with the Office 2016 interface using Microsoft Word.  We’ll explore the Ribbon and the Backstage view and you’ll learn how to create new blank documents and get familiar with the Ribbon tabs.

Starting Word 2016

Office 2016 is compatible with Windows 7 or later and for Mac OS X 10.10 so the steps for starting your Office application will differ depending on which version you are using.  The most common way to start Word 2016 is to click the Start button at the lower left end of the Windows Taskbar.

Windows 7 – Click the Start Button on the taskbar and click on All Programs.  Click on Microsoft Office 2016 and click on Microsoft Word 2016.

Windows 10 – Click the Start button and click All Apps.  Scroll down to the M section and then click Microsoft Office 16. Click Word 2016 or desired application.

Windows 8.1 – From the Start screen, click the down arrow at the bottom and then locate and click Word 2016 or the application you want to use.

Starting a New Document

Once you open up Word, Excel or PowerPoint in Office 2016, you’ll be presented with a Start screen.  You can begin by working on a recent document, opening another document you saved earlier, create a new blank document or create a document from a template.  We’ll start by creating a new blank document in Word.

  1. Click on Blank Document and Word will open up.

Creating a new blank document in Word 2016

Maximize the Word Window

After you start Word 2016, you will see the Word application window. You may wish to maximize the window so you can view the full Word programming interface and all the tabs and groups on the ribbon The maximize button is located at the top right corner of the application window.

1. Click the maximize button to see the fully maximized window

minimize and maximize button in Word 2016

Word 2016 Program Interface

Here is the Word 2016 program working environment. We’ll look at all these parts of the program in detail in this lesson.

Word Interface in Office 2016

Working with the Word 2016 Program Window

The File Menu (Backstage View)

The Backstage view contains commands for managing your Word program and Files. It provides you options for creating new documents, saving, opening existing documents, printing, or sharing your document and sending your documents to others.

Enter the Backstage View

  1. Click the File Tab on the menu
  2. Click on the Info tab.  The middle pane provides options to control permissions for who can work on your document, share your document and allows you to manage versions.  The right pane displays document properties.  Explore the other tabs in the Backstage view.
  3. Click the arrow at the top of the window to exit backstage view

Backstage View in Word 2016

The Ribbon

Tools on the Ribbon are organized into groups including commands in the file tab for managing your files and commands on the ribbon for managing your file content. Each Office application has a different set of tabs for the tasks it  performs.  In the example below, we are looking at the Ribbon in Word 2016.  The Ribbon is what you will use to access all of Word’s features. It is located at the top of the document window and consists of Tabs that are organized into groups which contain common commands relating to a particular task.

There are 3 types of tabs

Standard – includes the File, Home, Insert, Page Layout Review, References, Mailings, View and Add-Ins

Contextual Tabs – these only appear when needed depending on the task you are performing such as Picture Tools, Drawing and Table Tools

Program Tabs – Print Preview, info, etc

Let’s take a look at the standard RIBBON tabs

Home Tab

  1. Click the Home tab, the ribbon will display command buttons you can use to change color, appearance, and alignment of your text.
  2. The Home Tab has 5 Groups – The Clipboard Group, the Font Group, the Paragraph Group, the Style Group and the Editing Group.

The Home tab in Word 2016

If you hover your mouse over a command, you’ll see a screen tip.  If a command is greyed out, it is not available for use.  In the following example, we’re hovering our mouse over the Paste command in the Clipboard Group.

screen tips in Word 2016

Insert Tab

  1. Click the Insert tab, and you will see the command buttons you will use whenever you want to insert tables, images, pictures, online pictures, charts, headers and footers and page numbers to your document.

Insert tab in Word 2016

Design Tab

  1. Click the Design tab, and you will see the command buttons you will use whenever you want to format your document and apply themes, styles, colors, fonts, paragraph spacing, effects and more.

Design tab in Word 2016

Layout Tab

1. Click the Layout tab, and you’ll find the buttons needed to adjust the margins, paper size, orientation, indentation, line spacing and general appearance of your document. The Layout Tab also allows you to change the Page Setup by launching the Page Setup Dialog Box.

2. Click the Page Setup Dialog box launcher.  Here you can change alignment, indentation and spacing before and after paragraphs.

Layout tab in Word 2016

Mailings Tab

1. Click the Mailings tab to see the commands related to mass mailings used in the Mail Merge Feature. Organized into 5 Groups: Create, Start Mail Merge, Write & Insert Fields, Preview Results and Finish.

Mailings tab in Word 2016

References Tab

1. Click the References tab. Here you’ll see commands you can add to your document such as reports and research papers. The commands are organized into 6 groups: Table of Contents, footnotes, Citations and Bibliography, Captions, Index and Table of Authorities

References tab in Word 2016

Review Tab

1. Click the Review tab and you’ll find buttons relating to proof reading your document, tracking changes, working in other languages and protecting documents. These are organized into 7 groups: Proofing, Language, Comments, Tracking Changes, Compare and Protect.

Review tab in Word 2016

View Tab

The view tab allows you to change the look and feel of your workspace and view your documents in different ways including Read Mode, Print layout, Web Layout, Outline and Draft mode.

1. Click the View Tab > View Group

View tab in Word 2016

Minimize or Maximize the Ribbon

The ribbon is big so you can choose whether you want to display it or not. To do this, there is a button located in the upper right hand corner of the ribbon.

1. Click the minimize the ribbon button. This will make the ribbon disappear when you are not using it. Click the same button again to make the ribbon redisplay.

Hide Ribbon in Word 2016

We will be using the different tabs, groups and commands on the Ribbon in later lessons in our series of free computer training for seniors.

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