Good News for Pessimists

Do you see half a glass of your favorite beverage as half empty or half full?  Those who see it as half empty are considered pessimists, and many of them have been told all their lives that having a negative outlook is bad for their health.

Most of us believe that being optimistic is essential if we want to live a long, happy life.  While being optimistic might increase our sense of contentment and satisfaction, apparently it does not increase the length of our lives, according to an article posted by the American Psychological Society.  When German researchers studied 40,000 people between the ages of 18 and 96 over a ten year period, the results were quite interesting.

Disadvantages of Being Optimistic

According to the German researchers, when people are optimistic, they often have a life philosophy that tells them "everything will work out" or "everything will be OK."  While this seems like a great way to look at life, the downside is that people who have this attitude may be less likely to make lifestyle changes that will improve their lives.

When people focus only on the positive, they tend to believe that there is no need to worry about their bad habits, such as eating, drinking or smoking too much.  They convince themselves that, as long as they are happy, they don't have anything to worry about.

Even when a doctor points out a health concern to them, such as high blood pressure, they may tell themselves that it really isn't that serious of a problem.

The Advantages of Being Pessimistic

Pessimists, on the other hand, know that things can go wrong.  They worry about their health.  They are concerned that they may be injured in an accident or fall prey to a serious disease.


As a result, pessimists are more likely to live cautiously.  They are less likely to take unnecessary risks.  They tend to eat healthy foods.  Pessimists are also more likely to go to the doctor and follow his instructions, especially if they suspect they have health symptoms that could be serious.

In addition to taking care of their health and medical conditions, pessimists are less likely to take up dangerous hobbies such as motorcycle racing or skydiving.  In fact, they are less likely to engage in activities that are even a little bit dangerous because they are acutely aware of the risks.

When pessimists do engage in an adventurous activity, such as snow skiing, they are more likely to use all the protective equipment they can and stick to the designated trails.  While they may want to have fun from time to time, they do not want to be foolish.

The bottom line is that the German researchers discovered that pessimists actually have a lower rate of death and disability than optimists!

What Should You Do With This Information?

Most of us have a natural tendency to be either optimistic or pessimistic.  We may feel as if we have no choice in the matter.  However, we can all take a lesson from this research.  If you are a natural optimist, you may try to live a little more like a pessimist.  Try to take better care of your health.  Use safety precautions.  See the doctor, and pay attention to what he tells you.

If you are a natural pessimist, relax a little.  Life may not be quite as dangerous as you fear.  After all, you are already taking plenty of the right precautions!

Read more about the German research in this article from the American Psychological Association:

http://www.newswise.com/articles/view/599672/?sc=rsln 

If you are interested in reading more information about aging and retirement, check out the articles listed in the index links below. 

Gifts, Travel and Family Relationships

Great Places for Boomers to Retire Overseas

Great Places to Retire in the United States

Health and Medical Topics for Baby Boomers

Money and Financial Planning for Retirement



You are reading from the blog:  http://baby-boomer-retirement.blogspot.com

Photo of "glass half full or empty" courtesy of www.en.wikipedia.org/commons

More Places to Retire Overseas

Baby Boomers are well-traveled and love new experiences.  As a result, many of them are giving serious consideration to retiring overseas.  Consequently, a number of different websites have produced their own lists of some of their favorite places to retire outside the United States.  In December, 2012, U.S. News published the list they had compiled.  All the locations on their list are fun, interesting places where you will not be lonely.  Most of them have thriving ex-patriot communities made up of retired Americans.  Below is the U.S. News list, along with some basic information and my personal impressions of each.

Where to Retire Overseas

Cuenca, Ecuador

Ecuador is considered one of the more affordable places for Americans to retire.  As I have mentioned before in this blog, some retired friends of ours were actually house-hunting in Ecuador when the wife was stricken by an unexpected brain aneurism.  The doctors and medical facilities in Ecuador were amazing, and she was able to receive life saving brain surgery there.  Of course, their plans to move to Ecuador were interrupted, and now they are back in the United States while she recuperates.

According to U.S. News, a retired couple could live in the charming colonial city of Cuenca for about $1,200 a month.  A small condo there can be purchased for as little as $40,000. This means that many Americans could pay cash for a nice condo in Ecuador by using the equity in their current home, and live comfortably on their Social Security benefits.  It was this affordability that first attracted our friends, as well as many other people.

Granada, Nicaragua

This is another charming city in Central America with an affordable cost of living and low real estate prices.  The government of Nicaragua has had a bad reputation in recent years, so many people may be reluctant to visit this area.  However, there is an ex-patriot community of Americans living in Granada, and most of them feel very comfortable living there. 

Cebu, Philippines

The island of Cebu is another popular and affordable real estate location.  Many members of the U.S. military have chosen to  retire here because they can live so well on their military retirement.  There are some restrictions on purchasing real estate in the Philippines, but it is still possible for Americans to purchase a condo.

One of the more interesting comments the U.S. News article made about the Philippines was that many American men in their 50's and 60's move there to find wives and start families!  That is the first time I have ever read that about a potential retirement location.

Medellin, Columbia

According to the U.S. News article, this South American city is safe and beautiful.  There are also large literary, artistic, industrial and financial communities in the city.  However, personally I was surprised to see Medellin on the list.  Isn't that the location of the Medellin drug cartel?  Before flying off to this city, I suggest that my readers check the State Department website to make sure there are no travel warnings for that location.  Currently, the State Department website says "security in Columbia has improved significantly in recent years ... but violence linked to narco-trafficking continues to affect some rural areas and parts of large cities."   Later, the website talks about the danger of both violent and petty crimes. 

This brings to mind the fact that we should all do our own research and use our own judgement before moving to another country, even if we see a location on a list from U.S. News or some other reputable news source.

New Zealand

I have known several friends who vacationed in New Zealand, and they always returned full of enthusiam for this dramatically beautiful country.  This is considered a good place to retire part-time, because it is so difficult to become a full-time resident.  However, you can stay for six months at a time, return to the U.S. to visit friends and family, and then return to New Zealand. 

Another option that U.S. News recommends is that you spend six months of the year in New Zealand and six months in another country, like Panama.  This would give you a perpetual summer.  It is an intriguing suggestion, although I think many Americans might want to spend at least part of each year back in their old neighborhoods in the U.S., especially if they have left family behind.  One advantage of New Zealand is that they speak English.

Puerto Vallarta, Mexico

My husband and I first traveled to Puerto Vallarta in the early 1970's.  Back then, a number of celebrities, including Elizabeth Taylor, had vacation homes in the town. We fell in love with this tropical paradise and have returned several times since then.  Unfortunately, the area has become more developed and more expensive since the 1970's.   While it is not as cheap as some of the other spots mentioned here, it is beautiful.  There are fabulous beaches, golf courses, restaurants, shopping, marinas and five star hotels with great entertainment venues. However, in recent years I have also heard reports of increased crime in the city. 

Samana, Dominican Republic

Are you hoping to enjoy a relaxed Caribbean retirement?   The Dominican Republic is one of the more popular Caribbean locations.  It is very affordable and real estate is less expensive than in many other Caribbean countries.

One of our daughters went on vacation there with some friends.  The trip was very inexpensive, and there were lots of fun things to do.  They found the country to be both relaxing and vibrant.  They felt comfortable and safe while they were there.  Of course, it never pays to get careless about your personal safety in any country.

Rural France

This U.S. News suggestion surprised me.  I have actually heard rural Spain mentioned more often as an interesting and affordable place for Americans to retire.  U.S. News admits that France is not a budget retirement choice.  However, my husband and I have traveled to France several times and loved it, and so have many other couples we know.  There is no question that there is plenty to do, although not everyone can afford to retire there.

Belize

I was delighted to learn from this article that Belize is one of the safest countries in the world.  It is a tiny country.  Although I have not been inside Belize, my husband and I have spent time on the Yucatan Peninsula of Mexico, just north of Belize, and were fascinated by the Mayan ruins and the mountainous jungles. It is an awe-inspiring part of the world.

Although it has been decades since our visit, I understand that most of that area has changed very little over the years.  There is no reason to feel lonely if you retire there. Ambergris Caye in Belize is home to a close-knit expat community of like-minded people.

Before You Move Overseas

If you are thinking about retiring to another country, there are certain things you need to take into consideration.  Not all of these countries have easy access to medical facilities.  Some of them have restrictions on your ability to buy real estate.  Other countries have restrictions on how long you can stay.

In addition, governments change and sometimes they may not always be friendly towards foreigners who have moved there.  As always, I suggest that my readers check the State Department website if they are visiting or moving to another country.  Pay attention to any warnings that may be issued.

Another issue you should consider is whether or not you will be happy living so far away from your current friends and loved ones.  While it may seem like an adventure at first, you may begin to feel lonely, especially if you lose your spouse.

However, if you are up for an adventure and you want to have the experience of living in another country, US News has provided us with a great list of potential countries.

Sources:

http://money.usnews.com/money/blogs/On-Retirement/2012/12/04/best-overseas-retirement-options-for-2013

http://travel.state.gov/travel/cis_pa_tw/cis/cis_1090.html

If you are trying to decide where to retire, you may also be interested in reading some of the other posts that have been written for this blog.  Links to all of them can be found in the index articles listed below.  In particular, you may be interested in checking out the articles in "Great Places for Boomers to Retire Overseas."

Gifts, Travel and Family Relationships

Great Places for Boomers to Retire Overseas

Great Places to Retire in the United States

Health and Medical Topics for Baby Boomers

Money and Financial Planning for Retirement

You are reading from the blog:  http://baby-boomer-retirement.blogspot.com

Photo of Ecuadorian art courtesy of http://www.morguefile.com

Lake Ashton Florida Active Adult Community

The Lake Wales, FL area is lovely.

One of the retirement communities that keeps coming up when I do research on over-55 communities is Lake Ashton, near Lake Wales, Florida.  This master planned community has many of the amenities offered in other age restricted communities, as well as some that are more unique because of the access to the nearby water recreational area.  For those of you who are comparing a variety of retirement communities before making your final decision, here are some features of Lake Ashton that may be of importance to you.

Lake Ashton Amenities

1200 Acres that front Lake Ashton
26,000 sq. ft. clubhouse
Two 18-hole private golf courses
Driving Range
Eagle's Nest Sports Pub
Pro Shop
Boat ramp and dock with slips
RV and Boat Storage area
Indoor and outdoor pools, as well as a whirlpool spa
Movie theater with surround-sound
Bowling alley
Lighted tennis and shuffleboard courts
On-site restaurant and lounge
Ballroom
Library
Game room
Billiards tables
Arts and crafts room, including a kiln for ceramics
Computer lab with internet access
30,000 sq. ft. health and fitness center
Personal Trainer and Nutritionist
Indoor Track, basketball and racquetball court
Weight room and aerobics area
Sauna
24-hour manned gatehouse


Lake Ashton "Green" Retirement Homes

The Lake Ashton community is located in Central Florida between Orlando and Tampa in what is known at the Lakeland-Winter Haven area, near the town of Lake Wales, just off Highway 27.  In addition to the amenities within the community, residents are only about a one hour drive from Tampa where they can visit Busch Gardens.  Within a much shorter drive, residents can enjoy nearby Bok Sanctuary (pictured above), Lake Kissimmee, and Cyprus Gardens.  In the other direction, it is also approximately a one hour drive to Orlando, home of Disney World, Sea World and many other amusement parks and attractions.

This region of Florida, located half-way between the metropolitan areas of Orlando and Tampa, is surrounded by citrus groves and rolling hills, and is dotted with lakes.  It is a fun recreational area for people of all ages.  Lake Ashton is an over-55 gated community that has been designed for adults who want to live an active lifestyle.


The homes are certified "green," which means they have extra insulation, energy saving appliances, and indoor paints and floor coverings that are designed to provide better quality indoor air for a healthier lifestyle.

Homes are also designed for beauty and efficiency, with skylights, custom windows, french doors, art niches, built-in entertainment centers, custom countertops and cabinets, jetted garden bath tubs, and other features commonly found in luxury homes.

Single Family homes start at around $150,000, with larger and more luxurious homes selling for up to $450,000.

How to Visit Lake Ashton and Find Out More

One way to find out more about this eleven year old planned community is through their "Great Escape" program.  You can get a special Lake Ashton rate at a nearby Hampton Inn.  During your stay you will have the opportunity to meet current homeowners, get a guided tour, and see the model homes, golf courses and other amenities.

If you want to set up your own Great Escape, call (866) 525-3274 to make the arrangements.

Sources:

http://www.55places.com/florida/communities/lake-ashton
http://www.lakeashton.com/

If you are interested in learning more about your retirement options, you may want to read additional articles from this blog in the section entitled "Great Places to Retire in the United States."  Shown below are all the index articles for this blog.  If you click on one of the titles below, you will find a list of additional helpful blog posts on each topic:

Gifts, Travel and Family Relationships

Great Places for Boomers to Retire Overseas

Great Places to Retire in the United States

Health and Medical Topics for Baby Boomers

Money and Financial Planning for Retirement


You are reading from the blog:  http://baby-boomer-retirement.blogspot.com

Photo of Bok Sanctuary courtesy of www.en.wikipedia.org/commons

The Forbes List of Top Retirement Cities

Forbes Magazine periodically comes out with their choices for the best cities for retirement.  In 2013, the criteria they used was based on finding cities that had a low cost of living, low taxes, and low crime.  They also looked for cities with easy access to medical facilities, a wide selection of outdoor activities and plenty of  volunteer opportunities.  In addition, they considered the climate of their different choices, although they took into account the fact that many people do not want to move to a new region of the country and not everyone considers the Sun Belt to be essential to a happy retirement.  Therefore, some of the cities on the list are in the northern United States, in locations that get harsh winter weather.

On this particular list, Forbes did not take into consideration the local economy, which could be an important factor for those Baby Boomers who hope to work after retirement.  Consequently, be aware that some of these location may have high unemployment rates.

Forbes looked at 400 cities before coming up with their list.  Here are their top retirement choices:

Forbes List of Top Cities for Retirement

Alexandria, Louisiana
Athens, Georgia
Austin, Texas
Bangor, Maine
Baton Rouge, Louisiana
Billings, Montana
Columbia, Missouri
Fargo, North Dakota
Huntsville, Alabama
Mesa, Arizona
Orlando, Florida
Winston-Salem, North Carolina

If you want to read more details about the criteria used in coming up with this list, you can read the full article at:  http://finance.yahoo.com/news/the-best-places-to-retire-in-2013

More Commentary about the Forbes List of Top Retirement Cities

The median home price in these cities ranged from a low of $127,000 in Bangor, Maine to a high of $208,000 in Austin, Texas, which means that retirees in a variety of financial situations should be able to find an affordable city on the list.  In fact, some retirees who have a lot of equity in their current home may even be able to pay cash for a small home in some of these towns.

One city that comes up over and over again on a wide variety of lists of popular places to retire is Austin, Texas.  For someone who is planning to retire in Texas, the area around Austin is certainly worth considering.  Just north of Austin is the popular retirement community of Sun City - Texas, which I discussed in another blog post a few months ago.  Although the median home price in Austin is above average for the United States, and at the top of the Forbes list, this city is a fun place to live.  It has a thriving music industry and numerous recreational lakes in the area.  Austin is the state capital of Texas and is also home to the University of Texas.  In addition there are several other small colleges in the area, such as Southwestern University in nearby Georgetown, where Sun City - Texas is located.  It is also worth mentioning that Texas has no state income tax, although property taxes are higher than in many other states.  (When we moved from Texas to California, we discovered that our property taxes were only half as much per $100,000 in home value in California than they had been in Texas.  This offset the state income taxes we now pay in California.)

Another city I wanted to specifically mention is Columbia, Missouri.  I grew up in Missouri and attended the University of Missouri at Columbia.  It is a charming small city in a beautiful state with gorgeous hardwood forests and rolling hills.  Missouri is also centrally located for people who want to live in the Midwest region of the United States.  From Missouri it is an easy drive to a number of other states, including Oklahoma, Illinois, Kansas, Iowa, Kentucky, and Tennessee.  The downside to living in Missouri is the extreme weather.  Temperatures can climb to the upper 90's, with high humidity, in the summer.  Freezing temperatures and snow are not uncommon in the winter.  In addition, some of the other cities in Missouri are not as charming as Columbia.  For example, St. Louis has had one of the higher crime rates in the United States during the past few years.

Orlando, Florida is the ideal city for people who love theme parks.  Orlando is home to Disney World as well as many other amusement parks and recreational facilities.  You could never be bored in this active area.  Like Texas, Florida also has the advantage of no state income tax.  I have relatives who live in Orlando and they love it.  The cost of living and home prices are quite low, with a median home price of about $135,000.  Small retirement homes can be purchased for even less.  Winters are beautiful, although it can occasionally get down to near freezing.  On the other hand, summertime temperatures can be quite hot.  Most retirement communities in the area have swimming pools, golf courses and other amenities, so this can be a very desirable area to retire.

There are cities on this list in almost every region of the United States except the western states of California, Oregon, Washington, Idaho and Nevada.  The closest cities to the western region are Mesa, Arizona in the south and Billings, Montana in the north.  Hopefully, next year Forbes will add some desirable locations to live out west!

There is much more information you will want to consider before choosing a place to retire.  Consequently, you may want to check out the topics below.  Each of these links will connect you to a number of articles on these topics.  You may be especially interested in viewing "Great Places to Retire in the United States."

Gifts, Travel and Family Relationships

Great Places for Boomers to Retire Overseas

Great Places to Retire in the United States 

Health and Medical Topics for Baby Boomers

Money and Financial Planning for Retirement
 

You are reading from the blog:  http://baby-boomer-retirement.blogspot.com

Photo of Austin City Park courtesy of www.morguefile.com

How to Pass on Your Digital Assets When You Die

An e-book is one example of a digital asset.

For those Baby Boomers who are writing e-books, own personal domain names, store their photos on sites like Flickr, or earn an income by producing content for sites like InfoBarrel, Hubpages or Squidoo, what happens to those digital assets when you die?  In addition, do you know if you can pass on your expensive ITune collection, gaming avatars, or your email and Facebook accounts?

The law is still murky regarding many of these issues.  As a result, it is important that people understand the current rules regarding these digital assets, and take steps to protect these assets if they are important to you.  This article will certainly need to be updated from time to time, as laws change.

How to Pass on E-books You Own or Have Written

According to a Time Magazine article in the February 11, 2013 issue, Kindle books can be willed to your heirs.  This is true whether you have purchased them and downloaded them to your Kindle device or whether you have written them and you are receiving royalties.

However, the issue is vague with regards to other types of ebooks.  This will become a serious problem in the future since, at this time, approximately one out of every four books that are sold in the United States are e-books.  Some people have already accumulated hundreds of books on their devices and they want to pass their "library" to their heirs, just as people in the past were able to leave their library of books to their heirs.  In addition, there are a number of authors who have gotten their start by writing e-books, and some of these books produce a substantial income for the family.  They will also want their heirs to benefit from the royalties on these books. Watch for laws to be written in the coming years to clarify this matter so that these downloaded e-books can be willed and/or book royalties can continue to support families after the original author is deceased.

How to Transfer Domain Names

Some domain names are worth millions of dollars.  Even those that are less valuable can be important to the small family business or individual who owns the domain name.  If the domain name is registered with Go Daddy, it can be transferred to your heirs within 24 hours, but only if the paperwork is in order.  Anyone who owns a domain name should check with the registrar of that domain to make sure that both they and their heirs know how to transfer the name upon your death.  All of the big registrars have already had to deal with this issue, and they have well established rules for handling it.

Vague Laws Regarding On-line Writing Sites

A few months ago I saw a tragic letter in the forum of a writing site.  A woman said that she was dying of cancer and she wanted all of her articles removed from the site.  Another writer on the site suggested that the company simply transfer the articles that she had written to the social security number of a family member.  This particular woman declined the suggestion, stating that none of her heirs were interested in learning how to use the site.  However, this forum exchange did make me realize that we all need to make sure that our heirs know how to gain access to our online libraries, and be able to contact the site administrators to send them copies of our wills and death certificates, should our untimely death occur.  The income from these assets could provide an additional income to our family members for years after our death.  However, it remains vague whether the sites will allow the royalties from these assets to be transferred to heirs, even if it is what you wish.  Again, watch for laws in coming years which will either allow these assets to be passed on or require them to remain as the property of the writing sites.  The legal system will undoubtedly have to clarify whether these assets are the property of the author or the site where they are published.

One of the writers at InfoBarrel recently asked the owners of that site what she had to do to pass her articles to someone else.  They answered that they did not have "anything in place for that yet."  They went on to say "it would probably be up to the user's estate to let us know what to do with the account" and they suggested that "they put any transfer instructions in their will."  From this it appears that InfoBarrel, at least, will allow you to transfer the library of articles you have written to a relative, as long as you make your wishes clear in your will and your estate submits your instructions to the site owners.  (See the next section about using a Revocable Trust for this purpose.)


2013 Update:  Google has launched a new feature that will let you assign your Google accounts, such as Google Adsense, G-mail, and your other digital assets, upon your death.  You can choose to either have them inactivated or assign them to another person.  It is called "Inactive Account Manager."  Look for it on your Google Account settings page.  This is a huge step in the right direction!  I have had articles that still earn me Google Adsense income years after I wrote them.  I would love to be able to pass this income to my husband or daughters after I die.  Hopefully, other online sites will follow Google's lead.

Using a Revocable Trust to Pass On Your Online Business

Whether you realize it or not, your e-books, domain names, blogs and online articles for writing sites constitute a business.  Therefore, you may want to ask your attorney to include a page in your trust entitled "Assignment of Business Interest."  In this document, you want a statement to the effect that you are transferring "all rights, title and interest in the business entity known as (your pen name) including the goodwill, accounts receivable, equipment .... and all other assets of the business."  The purpose of this document is to notify the trustee that you have potential income from your online business that will need to be collected and dispersed per the terms of your trust.  You should list all of your business ID's on this document so the trustee knows the names of the businesses that send you earnings.  Make sure the trustee also has a list of companies where he or she will need to send your death certificate and other documentation so the trust can continue to accept and disperse the income from your online business.  This is the simplest way to handle your online digital assets.

Giving Your Heirs Your iTunes Collection

If you have spent hundreds or thousands of dollars on your iTunes collection, someday your heirs might want to enjoy your music selections, as well.  In the past, family members often loved to inherit their relative's album collection.  Today, however, passing on digital music collections is more complicated.  According to the Time Magazine article, Apple's current stance is that "we do not have a policy to will or inherit an iTunes collection."  Your best bet is to will your iPod to your favorite family member.  However, your heirs will probably not be able to transfer your music to their own devices at this time.  Once your iPod or MP3 player ceases to work, your collection of music will be lost.

Sharing Photos with Your Heirs

Many people are now storing their photographs on sites like Flickr, SmugMug and Instagram.  Flickr is owned by Yahoo which states that the photo file accounts can be transferred to someone else, as long as that person has written consent and the password.  Without those, survivors can only ask that the contents of the account be deleted.  If you want to make sure that your photos outlive you, your best advice is to order prints of your favorite photos and use them to put together photo albums that you give your family members.  You may also want to store your photos on your home computer.   If you do use sites like Flickr, make sure that someone else has your password and knows how to access the photos.  Personally, I am a firm believer in sharing my photos with family members as often as possible, either through Facebook or by giving them gifts of photo albums and framed photos.

Transferring Other Digital Assets

If you have Facebook, Twitter, email and other social media or digital asset accounts, and you want your family members to have continued access to these sites after your death, you need to put that information in writing and give your heirs your passwords, public IDs, and any other information you have that would make access easier. You should also give them your written consent to have access to your account.  Even these actions will not guarantee them access on all sites, but it will make it easier to pass on these assets on the sites that allow it.

Meanwhile, watch for some upcoming court cases and changes in the laws.  As more and more of us age while owning valuable digital assets, new laws are likely to be written to clarify some of the murky rules regarding their transfer.


If you are interested in reading more about issues you need to consider as you reach retirement age, you may want to check out the topics below.  Each of these links will connect you to a number of articles of these topics.  You may be especially interested in the articles under "Money and Financial Planning for Retirement."

Gifts, Travel and Family Relationships

Great Places for Boomers to Retire Overseas

Great Places to Retire in the United States

Health and Medical Topics for Baby Boomers

Money and Financial Planning for Retirement


Information about the laws regarding the transferability of digital assets was from the Tech column in Time Magazine, February 11, 2013, pgs. 54-55.

Information regarding Infobarrel was from their forum: http://www.infobarrel.com/forum-topic.php?id=9993&page=2 

Information regarding the use of a revocable trust to pass on the income from your online assets was provided by a California attorney.  Your state laws may differ, so it is highly recommended that you seek out legal advice in your home state.  

This article is not intended to replace the legal advice of your attorney.  In addition, new laws regarding the transfer of digital assets are currently being debated in state legislatures across the nation, and some of the issues mentioned here may be expected to change during the coming years.



You are reading from the blog:  http://Baby-Boomer-Retirement.blogspot.com

Photo of the book cover for author's e-book, "Your Guide to a Fabulous Las Vegas Wedding," courtesy of Amazon.com