Just a brief introduction: I am working toward retiring... i say working because i still have no idea when. I just celebrated (?) my 70th birthday and still no opportunity on the horizon. I am waiting for the right person to turn over the nonprofit i cofounded 18 years ago. So far, I've only talked about it! Taking this opportunity to make sure all finances are solid and house is remodeled (sure dont want any structure problems when i get old ... i would live to travel more then.