Danita, I would appreciate your sharing some web sites about this. You must think I'm a 'dead-beat" - we still haven't met for Scrabble, and I've spent a lot of time reading the info you sent me - I am in limbo right now not knowing whether we will stay here or move back to CO - but I'd sure love to do something to bring in some income. We're ok for now, but I don't feel we have enough stashed away for retirement purposes. What a dilemma!