The government will not have the funds to step in and take care of everyone.

For many people, fairly minor adjustments are all it will take.

The bottom line is Americans are living longer in retirement, saving less or not at all. They live beyond their means - and haven't adequately prepared for how their estate will be distributed.

Having a strong will and desire is half the battle and probably the bigger half.

The new growth areas are generally in areas that don't have sewers available or public water available. We're constantly expanding to meet the demand.

The e-reading revolution may have reached our shores this year but it has yet to reckon with Australia's summer holidays. Intense sunlight plays havoc with screens and the sand invades every nook and cranny, so as convenient and sexy as your new iPad may be, the battered paperback, its pages pocked and swollen from contact with briny hands, will likely remain the beach format of choice for a few years yet.