RG....that is information I have yet to read...and kind of wish I didn't have to wait til January to indulge more into the Familiar status. Especially since I will have to leave in July and again before January to get more FMT time....unless by some miracle, I find a job that isn't gonna make me sell my soul to the devil. Thanks again for clarifying. Oh and the only reason I lumped the Retirees as the Rentistas is because there is to be an outside income, like Social Security, or sufficiant funds in the bank. I know there are a bunch that work for themselves or a US based Co, but none that I have met personally, in the age group I mentioned....with the exception of Coby.