Thanks for all the replies.

The reason that I changed careers was I needed to take care of my parents. If I was teaching on a college faculty then the $$ would not have been a problem. I was about to relocate to NY (jazz capital of the world) when 9/11 happend. It was also around this time that my dad became ill and had to retire when he was a finacial wreck .

Like I mentioned earlier I come from a family of teachers. My kid sister is the Director of Tennis at the Littchfield Resort in Myrtle Beach SC. Currently ranked in the top 5 in the country for their tennis programs. I also have coached hockey in the past and ran clinics for kids aged 3 - 18