Imagine that 20 years ago someone had told you that you would purchase your music, car insurance, airline and hotel tickets, stocks, books and even shoes on a computer that fit in your hip pocket. That you would not have an agent or broker between you and the stock exchange or the airline or insurance company. And imagine that you could do all the comparative research needed to execute your transaction in  your pajamas! You would have told that person they were dreaming.

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Well, lately I have been dreaming as well. As my generation (the baby boomers) settles into its post-nesting years, less and less of our disposable income will go to durable goods such as home furnishings. Instead, once college for the kids is taken care of, our disposable dollars will go back into bolstering our retirement accounts, and then to travel.

Our absence leaves the future …