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I am a fairly new member of this group. I married a wonderful Filipina almost three years ago, and we have a daughter, who is almost two. I also have twins (boy and girl), almost sixteen, from a previous marriage. We all live together in one big happy (mostly) family. The twins love their tiny sister, and she has made our family life much richer. My wife is cheerful, kind, loving, and non-judgmental, which is the opposite of my ex, and which is such a great example for the older two. I am 57, and thinking about retirement five or ten years from now, with an eye on moving to Cebu. I have