rollamo - I too am old 76, and enjoying it - I also ReInvest. I have been investing in NYCB since 6 -13, and by deducting dividends have a cost of $14.48 on 568 shares, so not much of a holding for me. I wish I had gotten invested in NYCB sooner, and I do continue to buy on dips.. Personally, if a stock does not pay at least 3% dividend - I don't invest in it. PEACE !