Ask Dr. Job’s chief contributor, Sandra Pesmen, is a member of the Chicago Journalism Hall of Fame and author of “DR. JOB’s Complete Career Guide.”

Winner of several journalism awards, Pesmen is a graduate of the University of Illinois Media College at Urbana, and is listed in several Who’s Who editions. She also has been Corporate Features Editor of Crain Communications Inc., founding Features Editor of Crain’s Chicago Business and a reporter/features writer for The Chicago Daily News.

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Don't Pack for Retirement Afar Yet

Q. My husband and I can't survive on our meager saving, small pensions and Social Security checks. I hear that many American seniors are going out of the country to live in real luxury. Is that a possibility? What do you know about this?

Ans. Some seniors are doing that. The 2010 Index of World's 25 Best Retirement Destinations by tells us Ecuador is the #1 place with rents for luxury apartments at $300, and visits to beaches, rural highlands, jungle escapes and colonial cities there for the taking. You can find a four-course lunch for $2, a taxi ride in the capital, Quito, and $1 and a stay in a nice hotel for less than $20. You also may get a 30-minute massage for $15. Others listed as the world's top retirement havens on this year's Annual Retirement Index are Panama, Mexico, France and Italy. But you have to consider how you'll enjoy being so far from familiar surroundings, friends and family.

Battling 'Negative' Childhood Home

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