Q: There are no great answers to the problem of how to retire without savings, but one possible solution is a partial retirement. After a lifetime of work, many retirees have considerable skills they can parlay into an income stream, and many employers like employing retirees because they're more dependable and loyal.  If you're close to retirement now, you might want to take some steps to develop a consulting business, particularly if you have a white collar skill set, such as engineering, law, or business. If your skillset is more blue collar, like carpentry or welding, consider how you might turn some of your skills into high quality craft products you can sell on the side. By delaying Social Security payments until you're seventy, your monthly benefit increases to 132% of the original payment. After age seventy, however, there are no further increases.  Another common strategy is to delay until age 67—that would get you 108% of your monthly benefit. Delaying Medicare doesn't increase your benefit. If you elect to keep working after 65, taking your monthly Social Security benefit and investing it can be a smart strategy to maximize your payouts. There's not a blanket rule; investing your monthly checks will only make good sense for a minority of retirees.It's not for everyone. To see where you fall, you just have to do the math. For example, assume John, at 65, draws a very average benefit of around $1000 per month and makes $50,000 per year in salary. His employer matches contributions to a 401(k) dollar for dollar up to 20% of his salary, which is a great plan.  If he only contributes the $12000 he gets in Social Security to his 401(k), he would actually have $24,000 in the 401(k) at the end of the year. If he retires at seventy and lives till he's eighty, he'd have an extra $120,000, and that doesn't even count whatever accrues in the account through investments. If he had waited till seventy to retire and taken the 132% benefit instead, he would have only seen an extra  $38,400 over the same 10 years. Another way to increase your income during retirement is to rent out a room in your home. While it probably won't cover all of your expenses, when combined with other strategies, it can really help defray some of your costs. For example, if you rented a bedroom for $500 per month, drew a $1000 per month Social Security payment, and made another $1000 through a part time job, your yearly income would be $30,000. You won't be rich, but if you had little to no mortgage debt, you would be able to maintain a comfortable standard of living.
A: Keep a part time job. Delay Social Security benefits. Invest your benefits check. Rent out rooms in your home.

Q: Choose a large, scalloped shell, starfish, or sand dollar as your focal point. Glue it down in the center of the crown with hot glue or industrial strength glue. Pick out your pointy shells, and glue then along the edges of your crown. Make sure that the opening of the shell is facing the tiara's band; this way, the hole won't be visible in the end. For a more interesting effect, glue the taller shells towards the center of the tiara, and the shorter ones towards the ends.  You can add as many spikes as you want. You can have them go from the focal point all the way to the combs, or you can have just a few on each side. For a more interesting look, alternate between turret and conch shells. At this point, the base of your crown is done. You can make it look more interesting by adding more layers. For example, you could glue some clam or snail shells along the base of your crown. A smaller clam shell to either side of your focal point would also look pretty. If you used a sand dollar as your focal point, consider gluing down a tiny starfish in the middle. You may have some gaps between your shells, especially along the bottom. You can fill these in with small items, such as glass beads, pearl beads, or tiny rhinestones. Bits of sea glass would also look pretty. Your crown is essentially done at this point, but if it feels like it's missing something, consider adding some rhinestones. Use super glue to attach tiny rhinestones to the shells. You can put the rhinestones around the edges of the shells or down the ridges. If you used a starfish, you could add rhinestones down the middle of each arm.
A: Glue down the focal shell. Add some spikes along the sides. Create more layers. Fill in the gaps with fillers, if desired. Finish off with the details.

Q: Use a glass or jar that is heavy on the bottom so that it easily stays upright. The water should be cold or room temperature, but not warm. The glass or jar should be tall enough so that it can keep the green onions upright. For example, a pint glass or a large canning jar works well. Since green onions are typically sold with roots still attached, these roots can be used to help keep the onions fresh. By submerging the roots in water, you allow the onions to keep taking in water, which helps the onions stay firm and fresh. Even if the roots themselves have been trimmed off your green onions, but the root end remains, the plant will grow new roots in water. In order to keep the right level of humidity around your green onions in a refrigerator, you need to tent them with a plastic bag. This can be a produce bag or a zip-lock bag, whatever you have available.  It may be easiest to use the produce bag that you brought the green onions home in. If you have tented your green onions with a produce bag, then you can use a rubber band or string to cinch the plastic bag around the container. If you have used a zip-lock bag, you can simply close the zip-lock edge as much as possible toward the sides of the container. The plastic bag does not need to be totally sealed so that it is airtight. You simply want to keep some of the humidity from the water around the onions. If the plastic bag was not there, the refrigerator would remove all of it. Place the glass with the onions in it on a tall shelf of your refrigerator. Put it in a spot where it won't get bumped a lot and where it will be stable so that it doesn't fall over and spill water all over the fridge. When you want to use your onions, just take the container out, remove the bag, remove an onion, place the plastic bag back on, and put it back in the fridge. To keep the onions fresh, you will need to refresh the water regularly. If you don't, mold can accumulate on the surface of the water and can begin to decay the onions. When you change out the water, you can also rinse off the green onion root sections. This will help to remove any bacteria or mold that might be starting to grow on them.
A:
Fill a glass or tall jar with 1–2 inches (2.5–5.1 cm) of water. Put the root end of the onions in the water. Cover the onions and the top of the container in a plastic bag. Cinch the plastic bag around the top of the container. Put the glass in your refrigerator. Change the water every few days.