[Ohiogirl]

for coffee (lots cheaper than Starbucks, and tastes better to the non-Starbucks lover), or just bring your own in your golf cart. Bring a book or the paper to read and sit on a bench or in your golf cart. We also like to watch the sunset at one of the various ponds around TV after an early evening golf cart ride with our dog.

There are zillions of free exercise classes at rec centers and sports pools, also free card lessons. Get serious about reading the rec news and the newspaper, with your calendar beside you. You will find you may have to schedule some down time.