Thanks Bernie, and a special thanks for your emails.

A friend of mine said to me..."People who wait for retirement to start living, sometimes find out that they have waited much too long."

I've been lucky having jobs that weren't work...I guess that why they call what we do, "playing".

Retirement is when time is no longer money...I’m as free as the wind...with about the same income.

I remember our old buddy, Scott Yee asked me a few years ago, "How will you know when you are a senior?" I said, "With a little bit of luck, I don't think I'll ever know."

Ian