You wake up to a warm tropical breeze, with the sun shining through the open window and down onto the clay-colored tile floor. It´s warm but not hot, and you can smell the ocean in the breeze. You smile to yourself, as you do every morning. After all; this is retirement and you´re in paradise.

A lot has been going on in the world over the past few months, including some vacation time with my family back up North in the cold. The change for me is delightful, but my ladies were excited to get back to the 88 degree weather and the beach here in Nicaragua. The longer we are here, the thinner the blood bonds. Alas, I may be here for a long time and that´s Ok for me too.

Dear Friends of Nicaragua,

Thank you for your continued interest in Nicaragua. I write today with some disturbing news. Not about Nicaragua, but about North American Baby Boomers and the state of their retirement funds.

Surf experts rank Nicaragua's Pacific surf as the best in Central America - and Rancho Santana is in the heart of the action, sporting some of the best waves in this hemisphere from May through October.