“Like many financial advisers, Kelemen tells clients not to bank on Social Security as a source of income -- especially if they are still in their 30s or 40s. Even the Social Security Administration offers a bleak assessment: Given the current rate of payouts and the expected number of retirees, the Social Security trust fund will be exhausted by 2041, and ‘there will be enough money to pay only 75 cents for each dollar of scheduled benefits.’ That's straight from the statement you get each year stating how much of a payout you can expect.
‘The middle class is hurt by the fact that two legs of the three legs for retirement are disappearing -- Social Security and pensions,’ says Andy Brincefield, CFP, a financial adviser with the Consolidated Planning in Charlotte, N.C. ‘They just can't count on Social Security the same way.’
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Bay Islands are attracting a steady and growing trickle of VIPs. As word of mouth spreads, Hollywood celebrities recommend a place where they can retain privacy. Bay Islands are still that place. Even politicians like Gianfranco Fini, ex-foreign minister of Italy and candidate for prime minister stayed for a week at Henry Morgan in January 2007. A few ego-driven local powerbrokers requested an audience, but were turned down. The 55-year-old politician preferred privacy. Guanaja has had 
Alongside dozens of house parties, Flowers Bay bars and clubs start partying on Friday afternoon and don't stop till Sunday church services. With a night club every hundred feet, the road strip is the party center with more speakers than West End. The dominant clubs are: the venerable Hip-Hop Club, reserved Flowers Bay Community Center, up and coming Flowers Bay Beach & Culture AKA Beach Bar, laid back Breeze Bar, the happening Players Club. The transformation came gradually as the Flowers Bay road was paved in 2006. Now locals are holding their breath that the road won't wash away with the winter rains and leave them stranded and with no reason to party. - from Bay Islands Voice
In August 2003, Global Healing opened the Roatan Volunteer Pediatric Clinic (RVPC), a modern pediatric outpatient clinic, accessible to any and all children, within the Roatan Public Hospital. The RVPC is staffed year-round with volunteer pediatricians from the U.S., rotating on a 1month-plus basis. To provide pediatric subspecialty consultation, Global Healing brought internet service to the Public Hospital and to the pediatric clinic. 
Roatan Island has over 132 dive and snorkeling sites which are listed on a chart on this link. Even though Roatan has a lot of dive sites, there are at least 25 sites that are readily accessible to tourists. Weather rarely affects diving on the entire island. Generally speaking, the northwest side of the island is protected most of the year from the normal southeast trade winds except for the short rainy season in December and January.
If you are hoping to find locally made crafts and products during your visit to Roatan, and will be stopping in Coxen Hole, you are in for a treat! Coxen Hole, located on the western end of the Island of Roatan, is the island's cruise ship port. This fact makes Coxen Hole one of the most visited part of the island and is therefore a very desirable location for shopkeepers. 
Royal Caribbean just inked a deal to build a $30 million extension to
the island's cruise terminal, while Carnival is spending $50 million on
its own port of call, which it says can handle as many as 7,000
passengers daily when it opens in 2009. Near the port will be new developed real estate featuring condos, shopping centers, and more!
