January 29.  Welcome, to this week's newsletter.  Last week's "How Would You Fix Our Retirement System" article produced quite a torrent of thought-provoking comments - 56 so far.  Check them out.

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Here in Part 2 we've come up with winners in 5 more categories of year round retirement towns and cities. Pictured here is part of the old town of Albuquerque, winner in the "Best Place for Year Round Recreation" category.
When the TVA built the Tellico Dam it resulted in a huge reservoir with a 357 mile shoreline. There are a number of little towns in the area and several large developments along the shore. Needless to say, outdoor recreation is amazing.
A lot of people would discourage you from working if you start taking Social Security early. Which answer is correct:
- It isn't worthwhile
- It's a great idea
Read the article to find out our opinion.
Here is your chance to make a bet on a hot new area being developed for tourism and retirement. Panama is safe and uses the U.S. $.  This area south of Coronado Beach is just opening up because of a new highway and airport - the NY Times reports 30 new developments in the area.
Tell your friends about Topretirements.   If you have friends thinking about retirement, please forward this newsletter to them. They can get their own subscription to this weekly "Best Places" newsletter, the Daily Digest, and the East and West New Community newsletters by going to our Newsletter sign up page.