<prompt> Human: I am an 84 year old woman and have no experience in the stock market, investing, anything at all! I was a public school teacher for many years, now I have a little extra money and not quite sure what the best thing to do is. i live in Minnesota if that is any help. Stocks or bonds? This is all new to me. Any help is appreciated. Thank you!  <response>: Thank you for your wonderful responses!! 