Good morning all.  Happy Valentine’s Day!  Have I told you lately how grateful I am for each of you?  Well, I am.  To say thanks for being a loyal reader and to have a little fun, I thought I’d do an impromptu Valentine’s Day Contest.

The prize?  I’m giving away 20 signed copies of my book The Bell Lap: The 8 Biggest Mistakes to Avoid as You Approach Retirement.

How to enter?  Simple.  Just email your name and mailing address to  I’ll randomly draw 20 emails from those I receive by this Friday at 10 am and mail those 20 people a signed copy of my book.

Legal mumbo jumbo:  Your contact information will never be sold or shared.  No purchase necessary.  Void where prohibited.  Etc., etc.

Good luck to all!  Have a great day.


Abe Lincoln's favorite poem
The problem with delayed gratification