This as-told-to essay is based on a conversation with Cheryl Fellenz, 81, a retiree who lives on a houseboat off the coast of southern Maryland. She is one of thousands of older Americans who have ...

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There's an eternal fascination with houseboats and, when you live on one, you really have to get used to all the questions, the most frequent being: "But isn't it really cold in the winter?" The ...