Wishing you all warm & sincere wishes for a wonderful Christmas.

The authors here at the Billboard have written many posts over this last year, reaching out to you the readers to amuse, teach, and in many cases just to share. Because our profession is to write books, you’d think these short blurbs come easy, but truthfully, sometimes they just don’t

Thankfully… this one, on this day, comes straight from the heart.

After watching so many sad occasions on breaking news… of people’s lives being destroyed in different countries, I go to sleep every night, thankful for the lucky life I have and praying you all do too.

My wish for the season and all through 2023 is that the world heals, hearts brighten, and everyone fills with joy… or at least forgiveness. Let peace reign.

Sending all heartfelt wishes, gentle hugs, and lots of love from our hearts to yours.

Merry Christmas from all of us here at the Authors’ Billboard!!

Retirement Planning by Nancy Radke #mgtab

Retirement planning involves a lot more than just trying to save money. It involves choosing where to live and how to support yourself. Often it means downsizing or selling your home. It is one of the things I did, selling my large house and building an ADU (additional dwelling unit) onto my daughter’s home. There is a door between the two, so that we both have privacy, but if I need help I can just open the door.

I figured I was building my own retirement home, so considered things like wheelchair access (if it was ever needed) and no stairs. I also have an adjoining room that is for my office. And since I won’t live forever, I designed it so that two people could live in it comfortably.

Retirement can mean many things to people. For some, it is a chance to travel and see places they’ve never been. (The photos above are of some of our other authors, having fun.) For others, it means finding some other form of work, since Social Security increases are actually decreases once they take out the increased health care cost. The longer you live, the less you have to live on.

Ideally, you want to have some sort of income stream that doesn’t depend upon you having to work. I was fortunate that my husband bought some rental duplexes, so I have a steady amount coming in from that, besides my books. People need to find some type of investment to help them. Savings is fine if you have enough to last and the rising cost of living doesn’t eat away what you have, which is what usually happens. Family is even better if they love you, so make sure you love them.

The best thing about family is that they will sacrifice for you, just as you sacrificed for them while raising them. You want to make sure you aren’t a nuisance, or complainer, or are making yourself unwelcome. You want to be loving.

One of my books—Appaloosa Blues—centers around a ranch family in the Blue Mountains of eastern Oregon, where the grandfather uses his heart condition to control the rest of the family members. He loves his granddaughters and doesn’t want them marrying the Trahern men, so naturally, the two girls fall in love with the two Trahern brothers.

Their romances have to stay hidden from the old man, as they figure he will have a heart attack if he finds out about them. Being a loving grandfather, he tries to set one up with another young man, the son of a friend, with disastrous consequences. Also, being wise, he knows something is going on by the joy or sorrow he sees on his granddaughter’s faces.

Our Authors’ Billboard always has a monthly contest, as well as great books we share with you. Be sure to enter the contest for our great prizes.