Bay seniors have no excuse to put off riding the range. There are trails and horses-by-the-hour to ride studding the greater Bay Area. Closest to home is the 100-year-old Mar Vista Stables where you can trot along the coast near Fort Funston down to Ocean Beach itself on guided rides, to splash your hooves in the surf. No reservations needed for individuals or small groups. Starting at $50 an hour. Further south in the wild chapparal of the exclusive Carmel Valley Ranch, you can take a guided hour-long Sunset Trail ride overlooking the Pacific as another golden California day ends. Starting at $210. For any ride anywhere be prepared to have young kids in your posse.