Schuetz

There's nothing more relaxing than fishing at your favorite fishing spot. Whether one is a beginner or an adept at this ancient pass time, fishing can serve as an enjoyable hobby and sport. In fact, for those that love to fish, there are fishing resorts that one can visit and vacation at. Thus, there are prime spots for everyone to fish! Moreover, many fishing resorts are easily affordable, all you need to do is bring along your equipment!

For those who love to fish, resorts serve as a prime vacationing destination. There are resorts offering five star accommodation, full service restaurants, and a number or outdoor recreational activities to take part in along with any fishing expedition one may want to take. Water skiing, rafting, canoeing, hiking, horseback riding, cycling and more can all be had at different resorts in addition to your beloved pastime.

Moreover, if you enjoy hunting, in addition to being an avid fisherman, you can go hunting for deer, caribou, moose, bear, rams, and more when you visit many of the resorts and lodges designed specifically for such purposes.

There are many resorts and lodges to choose from when you want to fish. In fact, as an example, the state of Michigan has numerous sites one can visit and fish at. Ackeley Park Rapids, Cass Lake, Crane Lake, Detroit Lake, the Gunflint Trail Area, Hackensack, the Lake of the Woods, Lake Winnibigoshish, Lake Kabetogama, Lake Ely, Lake Mille Lacs, Leech Lake, Rainy Lake, Lake Vermillion, and the Upper Red Lake all offer fine opportunities to fish in the state of Michigan. Now imagine just as many offerings in other states and you can see the number of opportunities one can find to vacation and fish!

Some resorts offer hotels, while others offer cabins and a campground for quite relaxation. You can spend time on the beach or when you are not about to fish, you can spend time touring all the local hot spots and attractions. Cabins can be rustic or modern and will provide visitors with the ultimate sense of "living in the wilderness" and many of the cabins are large enough to handle big groups of people. Some cabins have a porch where one can sit and see the scenic views as the sun sets and twilight settles in. Cabins that are fully furnished with most everything one would require for comfort can be easily rented for a week or more and give the entire family a vacation worth remembering.

Some resorts and lodges also supply extra curricular activities to engage in when you are not fishing the waters. Volleyball, horseshoes, tennis, golf courses and hiking trails are just a few of the many alternatives such vacationing destinations supply. So, if you are planning to fish this vacation, your best bet is to visit a resort or lodge and get all of your entertainment needs met at one location. Moreover, your accommodatios will be waiting and ready for you and you will find yourself wanting to visit such resorts each and every year.

If you are in a sexless marriage and are unhappy because of it, don't worry, it isn't unrecoverable but it is serious cause for concern. You may even be thinking that you need a divorce because of your sexless marriage, that's only natural. But, in order to really decide what to do, some thinking needs to be done so you feel good about your decision, regardless if you stay married or not.

Being stuck in a sexless marriage can have you feeling a wide range of feelings from loneliness, listlessness, confusion, unconfident, etc. These feelings come about for a variety of reasons and they can be overcome if you just figure out why you're in a sexless marriage. You need to get to the root of the problem and uncover the real reasons that you and your spouse are no longer sexually active assuming of course, you once were!

To get to the heart of the causes for a sexless marriage will take some time. On the surface, you may be thinking that the cause of your sexless marriage may include one or more of the following scenarios:

Sexless Marriage: "We both work too much!":

You both work extremely hard and there just never seems to be enough time to get together, your schedules are skewed. This is true a lot nowadays with the 'new' economy, lots of couples are married but just live together like roommates if both parties have 'time-consuming' careers. If not managed properly, it is unfortunate but common for people in this type of lifestyle to end up in a sexless marriage.

Sexless Marriage: "You work, I stay home with the kids!":

One of you works very hard with your career and one of you stays home to raise the children (child), which is equally as hard as any career! This situation can lead to a sexless marriage in many cases because of the seemingly disparate priority base of each party. The spouse with the career may need to work after hours, travel, or attend "post work" functions and the spouse who stays home raising the children (child) may not have any other outlet for relaxation away from the home front. This situation can easily lead to a sexless marriage because there may be underlying feelings from both sides that contribute to an already tough situation based on personal and work related schedules.

The spouse with the career may say at times, "Why do you think I work so hard? I do it for you, the kids, our family, etc.". The spouse who stays home with the children (child) may say at times, "You have another release, you have social interaction daily with the outside world. I feel stuck here sometimes, I need to get out and have time for myself.". If the spouse that stays home feels like the spouse with the career enjoys being out and working more than being home, that calls for a whole different and escalated level of concern! Chances are the sexless marriage was bound to be that way before the current situation even arose.

Sexless Marriage: "I don't know why...there's just no spark left, you don't pay enough attention to me and our sex life and I guess I don't either!": This is a common sexless marriage situation and it can be caused by a variety of things including emotional scars, bad experiences, boredom, laziness, etc. In this situation, there is deep cause for concern from both parties because both parties aren't happy sexually but don't really know why it ended up this way. Both parties have just "let things go" and didn't place a high enough priority on their sex life with their spouse, which in and of itself is very concerning.

Why would either or both parties let things get this way when love making is so important?

Sometimes there's a feeling of being taken for granted that can occur in this type of sexless marriage, and both parties should realize that sex is a basic human need and should take priority over other things at the right time. It takes work to get out of this type of sexless marriage, you need to sit down and figure out why your marital love life has dwindled. If you both really want to rekindle things, you can do so, but you both need to take equal responsibility for correcting the problem.

Whatever type of sexless marriage you are in (there's certainly more types than listed here), remember that it is not unrecoverable. If you're to the point of thinking about getting a divorce because of your sexless marriage, take the time to sit down and figure out how it got to be the way it is now.

If you've lost interest in your spouse from a sexual point of view, you need to define exactly why that occurred. If you don't know right off hand, you need to think back to a time when you did 'have the spark' and recall what you both were doing, feeling, thinking, etc. From that point, identify what has changed, why it has changed, and what you can do about it. When you get that portion figured out, you may well on your way to taking the first step of recovering from your sexless marriage. Remember, if you really want to rekindle your relationship, you can.

The HIV virus is of two types, HIV1 and HIV2. When worldwide, people generally talk of HIV they refer to HIV1. The relatively uncommon HIV2 is concentrated in West Africa and is rarely found anywhere else. Although there is slight difference there is no cure for the HIV1 and HIV 2 and AIDS.

If we talk of similarities they are as follows-

Both the viruses are transmitted in a similar manner.
They are transmitted by sexual contact, through body fluids such as blood, tears and vaginal fluids.
It is also transmitted through breast milk from a mother to the child.
Within three to six months both HIV-1 and HIV-2 cause the body to produce antibodies. Both HIV1 and HIV2 can develop into AIDS.

When we talk about Differences they are as follows-
The persons who are infected with HIV2 develop immunodeficiency or a weak immune system more slowly and it is also milder.
People who are infected with HIV2 virus are less infectious in the early stages than those infected with HIV1.
It has been said that HIV-2 is less easily transmitted.
The period between the initial infection and illness is longer in case of HIV-2
As the virus progresses the infection of HIV2 increases.
Compared to HIV-1 mostly it is the HIV-2 that seems to be more infectious later in the course of the disease.
Mostly the cases of HIV-2 are reported in West Africa whereas the cases of HIV-1 are found worldwide.

Subtypes of HIV-1 The HIV-1 is classified into three groups. The major group that is M, the group M again has subtypes A, B, C, D, F, G, H, J and K, the outlier group O and the third is the new group N. It has been found out that more than 90% of the people with HIV-1 infection belong to the group M. Group N is extremely rare and group O is restricted to west-central Africa.

The treatment of HIV-1 and HIV-2 HIV-2 is more difficult to monitor than HIV-1 and the studies are still not clear towards the best treatment of HIV-2. There are some drugs that are used for treatment of HIV-1 but are not effective against HIV-2. Both the virus lead to the threatening disease AIDS.

Find more information visit: Comparing HIV 1 and HIV 2

Sports fans love to debate. This is part of the excitement of sports, arguing about what players are best at their respective game or position. One that has become surprisingly popular pits second-year star LeBron James against various other greats, such as Kobe Bryant, Tracy McGrady, and others. It's surprising not only because LeBron is so young, so most people would exclude him but also because it really shouldn't be an argument at all.

That's right. This one is a no-brainer. Stop all the arguments, the debates and the loosely-constructed ideas that other players in the National Basketball Association are better than LeBron. I'm here to tell you today that there is no reasonable debate -- LeBron James is without a doubt the best basketball player on the planet Earth!

Okay, before you blow your stack about his age, lack of experience and the fact that he has yet to win a title, like Kobe and others, let's consider the best barometer of a great basketball player.

Truly great players possess all of the fundamental skills: shooting, passing, ball handling, rebounding, shot blocking and defending. Now, players like Kobe, McGrady and Kevin Garnett certainly have these skills. But to truly separate players, we need to go beyond these skills. Consider two more factors: the ability to dominate at any position and to make all players around you better. This is the true test of greatness.

Larry Bird had it, Magic Johnson had it, and Michael Jordan certainly had it. Does Kobe? I say no. Does McGrady? Definitely not. Garnett may, but he still has too many nights of 14 points and 9 rebounds in a losing effort to say he definitely has it.

Now, consider LeBron. The skills are unquestionable. He averages 25 points, nearly 8 rebounds and just under 8 assists per game, in only his second year in the league, at the tender age of 20. Hes the youngest to score 40, to get a triple double, to start in an All Star game, and the list grows every night he plays. Further ponder the fact that at 6-8 and a muscular 240 pounds and with uncanny speed, quickness and leaping ability, LeBron can handle the ball like a point guard, shoot like most decent (not great, yet) off guards, and post up with the best forwards and centers in the NBA. He blocks shots like a center, can shut down anyone, with his size and quickness, and he gets to the basket and draws fouls better than anyone. He creates a mismatch every night, because he is completely unguardable.

Finally, in just his second year, hes taken a team that won 17 games prior to his arrival to a 50-win pace. And for the first time since the early 1990s, the Cavaliers are now a legitimate playoff contender. I doubt any coach in the league wants to face the Cavaliers and LeBron in a seven-game series.

So, when people want to discuss the greatest players in the game, tell them to forget any argument that doesnt start and end with the name LeBron James.

These include free Spyware Adware removal tools such as Microsoft free Spyware Adware removal utility and Yahoo Spyware removal tools.

Think you already know what this subject is all about? Chances are that you dont, but by the end of this article you will!

Spyware is the chief problem of any effective practice. Just as any other virus that may infect your practice there are any number of sites that promote some result or check on the Internet and may have let eclectic a few Spyware codes that secretly download themselves against your PC. Then they open to function in the background of the working practice strange to the worker that this Spyware is observing every record made through the upright and pointing means.

Such Spyware take up a lot of the notebook time by overriding the IRQ settings of the peripheral meanss and 'hijacking' the practice in order to buy time to function. This Spyware can be distant with the help of opposing Spyware codes and safeguard the practice from inadvertently bountiful out unusual report. The entries in the registry can be distant with the help of the many free Spyware Adware removal tools such as Microsoft free Spyware Adware removal utility and Yahoo Spyware removal tools.

Why The Registry Slows Down A organism

From here on out, we will give you tips on what can make this subject a little more helpful to you.

As the registry gets adult with stable use, it gets efficient every time there is a change in the practice. This change may be some code that has been added to or distant from the practice or some hardware that has been added or distant. The registry updates its report with the change. However, not all the registry entries may be deleted when a code or hardware means is uninstalled. So, when a code wishes the registry for some information the registry starts sharp from the openning of the reportbase. It will go through all the entries one by one.

This will include all the surplus entries, which may be tens of thousands in number; this slows the practice down drastically. The surplus entries are entries that are coupled to the codes or hardware that have been uninstalled from the practice. So, as you see, these entries are no longer wanted but the registry inspects them all the same. A good free Spyware deletion code will subtract these obsolete entries from your practice so the registry will no longer inspect them. Making the practice quicker and more effective.

Spyware installs itself on the practice making hundreds of entries in the registry. When the opposing virus utilities expose and subtract the Spyware it foliage traces of it in the registry because opposing virus is not intended to inspect the registry. Only unusual Spyware removal tools can achieve this formidable chore. The good opposing Spyware such as free windows Microsoft Spyware subtractr utility can effectively subtract all traces of Spyware from the registry to soothe the practice once again and make is joy to work on the PC.

To learn more about this topic, visit your local library or do a simple Internet search to get the information you desire.

This paper intends to make a case for 3 key points:

1.Real estate statistics showing national appreciation figures are miscalculated and misleading, causing alarming reaction to reasonable market appreciation in most cases.

2.The Baby Boom population is going to demand second homes, and is bigger than just US boomers.

3.The market for condo hotel units and innovative forms of second/retirement home ownership is on the verge of a boom, not a bust.

I. The Bubble: Debunked

Our media has dramatized the entire US real estate market as overheated, bubble like and ready to crash at any moment. Even conservative economists point out that there are only pockets of froth.

Real estate is NOT red hot all across America. In fact, many mature US real estate markets are soft, measured in real (inflation adjusted) terms they may even be declining in value. But media has a hard time making a 0.3% home appreciation rate in the industrial Midwest news, while 28% gains in once rural or underdeveloped areas of Arizona or Florida is exciting headline news.

Midwestern populations are migrating to sunny, Southern and Western States at increasing rates, by purchasing future residences. The trend is evident, but quiet, because many northerners are maintaining 2 residences for the time being. But will there be a mass exodus when the bulk of boomers retire? Is the real story not the over heated markets of the south and resort/second home areas but rather the future potential implosion of values in the heart land? Is the bubble actually in the markets with low appreciation rates?

What is an appreciation rate, and who is measuring these stats? The National Association of Realtors, The Federal Home Loan Bank, Fannie Mae, and The Federal Reserve all have a role in compiling the statistics. But what is disturbing is the lack of economic reason that seems to enter the public debate after the official statistics are released to the media.

The media announces that a home in the Southeast rose by 14% in value, Northeast by 9%, Midwest by 4% and in the West by 13%. This would lead a $100,000 home owner in Utah to believe he gained $13,000 while the San Fransican gained the same amount? There is no discussion of inflation adjustments, or renovation investments, or regional job or emigrant growth, all factors that might have effected the real gain. How does such a useless statistic as appreciation rate even find its way to page 12, let alone the headlines?

Markets are regional, and regions are micro, not macro-economic studies. Consider appreciation then in an individual micro-economic example.

The Refinance/Renovation Effect

In 1998-2003, low interest rates ignited record home refinancing, many homeowners pulled cash out to reinvest in their homes:

A $100,000 home in 2000, with $60,000 in debt may have been refinanced to $75,000 (75%), with $15,000 cash out going right back into the home in capital improvements. This home then sold for $120,000 in 2001, wealth was created, but less than the statistics assume. Did it rise by 20% in appreciative value? Or did the improvements and borrowing just increase the value? National statistics measure this as a 20% rise. You decide, then multiply by your neighbors who added additions to their 1940s bungalows between 1999-2005. If the national appreciation rate was recalculated to account for home renovation expenses, real gain in value would be determined and would be a much more calming and useful statistic to determine if housing is overheated.

The Redevelopment Effect

Americas housing stock in 2000 was on average 47 years old. The rise in Home Depot stock should be a market indicator of where Americans are shopping home improvement. At the same time urban areas are seeing unprecedented regentrification. When a blighted area is improved, values go from zero. The calculated appreciation rate is spectacular.

Farmland to Suburbia

Dont the Housing Statistics adjust for this effect? NO. For example, when a corn field sells for $5000 an acre, then $50,000 per lot, then $500,000 per home the stats reflect an appreciation rate without regard for the capital investment that went into this meteoric rise.

The Currency Effect: Inflation/Deflation, Quiet and Invisible at First

The frothiest real estate markets are also the most popular with foreign buyers. Is this a correlative or causal effect? The US Dollar has fallen against the EURO by 11% since July 2003. For real estate buyers spending EURO, an 11% rise in second home prices is invisible. With official inflation at 2.8%, a 14% rise in prices is static to European Investors. Incomes in Europe have also outpaced US wages by another 4.1%. Therefore, US property values could rise 18% higher with no additional cost a European buyer. This fact is very important to real estate appreciation rates. Foreign buyers can purchase relatively easily, but cannot sell any faster than US owners and will can sell at lower relative values if the currency trend switches. Markets where high concentrations of foreign buyers exist will be more volatile for this reason.

The Interest Rate Effect: Reversion to The Mean?

Will appreciation rates revert to the 30 year mean of 5% (or below) when interest rates rise? Real estate values have risen due to the low cost of capital since 1998. Certainly low rates have added fuel to the speculative fires of real estate investors, and froth has been created by easy money. Zero down loans to first time home buyers, easy no doc loans to investors, banks competing for borrowers, even the internet have all made capital less costly and driven the real estate market higher.

The Transfer of Wealth: 20 More Years

Demographic analysis disputes the facts of whether this transfer began in mass in 1997, 1998 or 1999, but one fact is clear, it is a 20+ year wave that wont end until $17 trillion of wealth is transferred within our population by 2018-2020. With or without Social Security, these funds will be required to keep the Baby Boom generation at the standard of living to which they have become accustomed. What will retirement look like for Baby Boomers? Many believe it will look like whatever Boomers (or Zoomers) want it to, even if they have to borrow to get the lifestyle.

Leopards and Spots.

Boomers are not about to change their lifestyle dramatically in retirement. New ways to afford an exciting retirement will be invented by this dynamic generation. The real estate boom will continue because boomers demand home ownership, real estate has worked in their past, and they will find ways to make it work for their lifestyle demands of the future. Boomers will demand more of less, the most coveted places and spaces will be driven to stellar levels, because this is a generation raised on competition for the best against a large cohort of competing players.

II. Population Data

A Large Cohort: Boomers Around The World

American Boomers often think of The Rolling Stones as an American band of their generation. So do the Brits, French and Germans and Japanese. The media has touted the 78 million US Baby Boomers that will retire in the next 15 years (the largest population turned 50 last year, with 50th birthdays occurring every 7 seconds), but there will be 103 million Empty Nesters in Europe by 2009. Japan will have 32 million boomers by 2010, in a total population of only 127 million people. 213 million Boomers competing for a uniquely similar lifestyle in retirement.

213 million Baby Boomers, all raised on Hollywood, Disney and The Stones? All experiencing the same trans-generational inheritance from the greatest saver generation. Even in Japan where savings is a national virtue, the baby boomer generation grossly out spends the previous (WWII) generation. The baby boom generation was the first cohort of the 20th century to embrace debt, spending over thrift, and a global economy.

How many of these 135 million World Boomers will opt for a retirement residence somewhere on US soil? If just 10% of the European & Japanese boomers choose the USA, our population could increase by 13 million or nearly 900,000 higher net worth boomer retirees per year. Whole new cities could be, and are being formed.

This statistic leaves out so many other world Boomers with the means to choose the US Lifestyle in retirement. But starting with 213 million Boomers proves the point, demographically something big is happening. In an age when our media pines over our trade deficit, we need to recognize our unique export in which we truly have a competitive advantage - our lifestyle. First world health care, economy, security, free and open borders, entertainment, a relatively low taxation rate, stable currency and markets, and lastly a historically appreciating real estate market.

So is there a bust after the Baby Boom retires in America? First, demographic data suggests that incomes of the previous generation did taper off between age 45-54, but researchers believe Boomers will delay their exit from the labor force - and forestall any decline in household income - in the same way they delayed marriage and having children. As a result, Boomers may enter their mid-50s and 60s with their household income undiminished - a change in a demographic pattern that would create huge investment and business opportunities. With age 65 still 15 years away for most boomers, this spells a wave of consumption that should continue. Boomers over 50 think of themselves in early "middle age" and that "old age" is still almost 20 years in the future.

It should be a national priority to court the worlds wealthiest soon-to-be retirees. Many of the fastest appreciating real estate markets in America are already experiencing the benefits of these new emigrants. No longer in huddled masses, they arrive on first class and private flights or in yachts.

As the oldest baby boomers become senior citizens in 2011, the population 65 and older is projected to grow faster than the total population in every state. In fact, 26 states are projected to double their 65- and-older population between 2000 and 2030.

Florida, California and Nevada would each gain more than 12 million people between 2000 and 2030. Arizona is projected to add 5.6 million people, and North Carolina, 4.2 million, Texas and Utah each would add 3 million new residents. As a result, Arizona and North Carolina would move into the top 10 in total population by 2030 Arizona rising from 20th place in 2000 to 10th place in 2030 and North Carolina from 11th place to seventh place. Michigan and New Jersey are projected to drop out of the top 10.

Most (88 percent) of the nations population growth between 2000 and 2030 would occur in the South and West, which would be home to the 10 fastest-growing states over the period. The share of the population living in the South and West would increase from 58 percent in 2000 to 65 percent in 2030, while the share in the Northeast and Midwest would decline from 42 percent to 35 percent. The Big Chill, when boomers shift preferences, is as real as the boom itself. The Echo Boom generation, or the Boomers kids, will not sufficiently feed demand for 7-9 years. This effect on real estate values is beginning to show up in single family suburbia through out the industrial and middle western states. While the echo boom generation is also seeking starter condos and lofts, the Bust generation is demanding the larger yards for their 30s child rearing years. Is it any wonder that condo sales are stronger than any time in US history? III. The Wealth of Nations: Earned and Inherited, Where is the Money Coming From?

The Worlds population is growing at the fastest rate in Developing Countries, not in the Developed World. Most of the Worlds population cannot consider a second home in the United States or In 1998-2003, low interest rates ignited record home refinancing, many homeowners pulled cash out to reinvest in their homes: even the first world, but the people who can, will choose the USA.

Now that he is invested in The US, he will hope for the Dollar to rise again before he sells and repatriates his Dollar profits to Euros. And if foreign buyers continue to purchase our real estate, the Dollar may just bounce back sooner rather than later.

Since the rest of the world has experienced similar low stock market returns and low interest rates, a double digit return in blue-chip US real estate that has the added benefit of a sunny holiday, looks good around the globe. Boomers globally are inheriting the WWII generations wealth. So the image of the wealthy foreign visitor is growing, and somewhat real, but certainly there is an 80/20 rule at work. Not every foreigner is becoming a conspicuous consumer of US real estate because of the Dollars decline?

In the US, 73.5% of US boomer households have under $150,000 in wealth. As many as 47% of boomer respondents surveyed in the 2002 Cost of Leisure Index by Allstate Financial say that they will continue to work after retirement. So how big is the second home market? Can even the majority of boomers (US and abroad) afford 2 homes?

Boomers: Conspicuous Spenders or Savers and Investors?

Americans used to save and invest their bequests. No more. The sputtering stock market has prompted Americans to consider other options if they receive a $25,000+ inheritance. Boomers are more likely to spend the money than other groups. Ever the optimists, Boomers believe that many more of them will get inheritances, and for larger amounts than previous research has suggested, according to a survey of 1,204 Americans conducted by Knowledge Networks for American Demographics. And contrary to their image as conspicuous consumers, Boomers claim they plan to put the money into savings, pay down debt or invest in a retirement home.

IV. Finite Supply: We All Want the Same Thing

This is such a debateable fact, I want to make my point swiftly: Ive lived richly, and Ive lived poorly rich is better. If the boomers can afford to live richly, they will.

What Housing Do Boomers Plan to Spend Their Money On?

According to a Harvard study, baby boomers, are expected to make up 20 percent of the population by the year 2030. Baby boomers already comprise the single largest group of homeowners nearly one-quarter of all homeowners with 75 percent of those over the age of 50 owning their own home. Research shows that boomers are looking to second home ownership as a smart investment opportunity. Considering that boomers are starting to think differently about real estate investments as part of their retirement plans, the U.S. Census Bureau predicts second home purchases for boomers to reach 6.4 million units by 2010, up from 5.5 million units purchased in the 1990s. According to NAR, investment homes accounted for a quarter of all home purchases in 2004, and vacation home purchases an additional 13 percent.

According to a Coldwell Banker survey Affluent Baby Boomers Are Not Ready to Stay in Their Current Homes Forever. Today's Boomers are not slowing down, and the majority remains "on the move. They want luxurious homes and want to remain active. They are in their peak earning years, have benefited from many years of strong stock market returns and have built tremendous equity and appreciation in their homes. These factors, along with many receiving inheritances from their parents, are allowing the luxury home market to thrive and it should be robust for years to come."

V. Boomers will choose New Options for Second Home Ownership: Condo Hotel Active and dynamic retirement lifestyles require either a substantial net worth, or creative new ideas. Luckily the boomer generation is adapt at innovation and leverage. The concept of Condo Hotel is not a new invention, but the Condo Hotel-Resort is a new evolution. More than just a hotel room/suite, condo hotel units sell at a higher price-per-square foot multiple (10-25% premium, $300-1000 per square foot) to a traditional condo, and are typically smaller. Successful projects will have location, quality, amenities and services that are superior. Boomers will buy for the central location, spa/health club services, and of course maid/valet/concierge services round out the dream lifestyle. Condo hotel units often do not have kitchens or have efficiency kitchens. But for a generation that perfected dining out, and the trophy kitchen - been there, done that -- what are they serving downstairs for dinner?

How many boomers want to retire to a hotel room for a few months every year? This is a generation that has spent 5 days a week building up frequent flyer mileage perks, a 2 days at home. After a year or so back at the ranch, where will they feel most at home? And what about all your stuff? Most boomers will not choose to live in condo hotel units for more than a couple months a year, the last generation settled for a mobile home in the sunshine for the winters, but this generation is accustomed to/desiring a little more. They will want more than one residence, and if they can figure out how to afford several homes, the sky is the limit. How does a boomer buy a hotel room? Can this luxury be afford to the 76.5% of less wealthy boomers? The answer is yes, condo hotel is just one of the new evolving second home ownership options that offer a more affordable choice than a traditional second home.

Between 2000-2003 the average price of a luxury hotel room was $239,066 ($415/sq ft), down 18%, because hotels are bought and sold based on a capitalization rate (Value/NOI = Cap Rate). As income rises and falls, hotel room values fluctuate.

Potential vs. Real Income

A couple big holes can be poked in this ideal picture. If the condo hotel unit owner decides to use his suite for the entire high season, he can erode much of its income potential. Since the condo hotel unit owner often shares in the expense of the professional maintenance/management of the unit, dues expenses can be higher and vary more than a traditional condo. Lastly, since future buyers will likely be drawn to owning a condo hotel for many of the same desires to offset expense or better afford this second residence, the value of the unit may be tempered by the income it produces, or doesnt.

Macro-Economic Forces: Condo Hotel Values

If interest rates rise 1%, assume 6.5% to 7.5%, and real estate is strictly valued for the income/cap rate it produces, the value of this $332,750 condo hotel unit may fall by $14,755 (4.4%). Higher rates, should in theory, also strengthen the US Dollar, which could also have an added negative effect on real estate values. Stronger dollars could also reduce tourist demand for rooms, and lower NOI.

On the positive side of the ledger is sheer boomer demand. Over the next 15 years, 291 boomers will reach retirement age and demand new residence options to fit an active, luxurious lifestyle. If only 1% of this generation demands condo hotel as a second home option, 1.45 million units will be needed. Thats 96,600 condos per year, every year. If we assume there are 12 key markets in the US for condo hotel resorts, then there will be 8,050 units per year in each market. Demand will be grossly outstripped by supply.

IV. Conclusions

Harvard, NAR, and NAHB all agree Boomers want to buy luxurious second homes, and will likely spend their inheritance and present residential home equity to downsize to multiple residences with similar features, amenities and locations. Demographics, and life cycle, can predict future demand. Boomers will afford this real estate the same way they bought all their previous homes, with debt leverage.

US Boomers will compete with foreign boomers for the same desirable retirement and second home real estate. Prices of the best properties have already soared, and will continue for at least 10-15 more years as the Boomer generation approaches retirement.

The Current Bubble Theory has one gapping hole, When: 2005 or 2020? The answer is when domestic interest rates rise above 9%, and the dollar simultaneously begins to strengthen against world currencies and boomers (around the world) decide they have found the perfect piece of retirement paradise. The Bubble will inflate, at varying rates, until all 3 things occur.

Most boomers desire luxury and amenities found in resorts when planning their active retirements. Less than 20 million (26.5%) US boomers will be wealthy enough to afford a whole-ownership second home without rental income. Condo hotel offers subsidized luxury that will be a growing choice of savvy boomers.

America should be marketing our rich lifestyle to the worlds boomers, borders are disappearing, why not live in the greatest nation on earth? Boomers will get creative by purchasing a combination of a primary residence, Condo Hotel and Fractional and PRC ownership options, to more efficiently use their limited nest eggs and to have active and dynamic golden years.

If only 1% of boomers demand condo hotel, 1.45 million condo hotel units will be demanded by Boomers over the next 15 years. Demand will outstrip supply.

How can sports possibly be be romantic? It's simple. Just ask any man who has cheered on his favorite team, while cuddling with his wife, and he'll tell you.

Many women I know profess to hate all sports. Why? If it's something your husband really enjoys, wouldn't you rather learn about it, and share the common bond of sports than to have him watch it alone or always leave to watch it with his buddies? Me? I'd rather be a sports wife than a sports widow.

Before you start to panic, let me sneak in a disclaimer. No, you don't have to put on a parka and sit through an icy-cold Green Bay Packers game in November to show your husband your love. You can certainly sit warm and cozy on your living room couch together, to show him that he is special to you.

Does the thought of being cooped up indoors watching a game bore you to tears? If so, take him on a trip to see his favorite professional team or player. Or, for a more relaxed date, go to a local Middle School or High School game. You'll love the energy. It's hard not to get hooked watching those kids put their hearts and souls into their games.

You're still not convinced? Why not show your romantic side with your sports-loving husband in a fun, active way. No matter what his favorite sport is, you can easily find a way to participate.

Football Fans: Toss the football with him in the yard. If you've never played football before or just got your nails done, use a Nerf ball. When he lets you tackle him, you can sneak in a kiss.

Basketball Fans: Shoot hoops in the driveway. Play a game of "HORSE". The winner gets a back rub or snuggling afterwards. That way you both win!

Baseball Fans: Play catch with a water balloon on a hot summer day. Go to the batting cage. Or join a softball league together. It's great exercise, and you get to enjoy time together.

Hockey Fans: Dust off your rollerblades, grab a hockey stick and a street puck and hit the street with your husband. What do you have to lose other than a few inches off your thighs?

Fantasy Sports Fans: Join his Fantasy Football, Baseball or Basketball League. It's a great way to get to know his friends and also be one of the 'cool' wives. You might even surprise him and win a few games.

Golf Fans: Play golf together. Or, if your finances are tight, try a game of mini-golf!

NASCAR fans: Visit the local arcade. Find two racing games that are connected so you can race each other.

Tour de France fans: This one is easy. Pack a lunch and a few jugs of water on your bikes and hit the road.

No matter what you plan, it'll be a treat for him. And, the next time you're watching an episode of Desperate Housewives, don't be surprised if you find your husband sitting next to you.