Fall is in the air. I hope all of you had a great summer. Now is the time to start thinking about the future. How good does it look for all of us. Are your expenses low and your income high? A successful lifestyle? If so, congratulations. Many are not in that positive position. Today, Sept. 17, 2010, it was announced on Yahoo News that 1 in 7 Americans are now in poverty or living at the poverty level. Perhaps some of this news comes from the fact that people are living longer than before. A whole new group of retired folks are without residual income or payments large enough to get over the poverty level status.