It is the first Sunday of a brand new year and there are only 12 years left (including this year) before I turn 55 in 2026. I will soon be considered a senior citizen and I am rather looking forward to it. I have no fear of retiring because planning for retirement is something I have been doing for years. I am going to do something else that will help to make my retirement 12 years later more comfortable. I am going to buy a 12 year term AAA rated bond with an attractive coupon tomorrow. Which bond am I going to talk about? I think some of you can tell what I am going to say next but it is going to be delivered with a twist. Before I reveal what I am going to "buy", I think I won't be wrong to say that one of the biggest complaints people ......