Guest Editor LRZ, San Antonio TX: From our travel insurance experience, I can declare it’s worth the cost. Several years ago, we booked a cruise/excursion trip through our local travel agency.

Because of the length of the journey and expenses involved, we were persuaded to take out comprehensive travel insurance. The premium added about 5% to our overall costs. As events unfolded, it proved to be a good investment.

On the morning of our flight, we arrived at the airport and checked in. As departure time approached, the waiting lines got longer and there was no boarding announcement, we realized something was wrong. We were then informed that our flight was delayed because of an iced-in airport where we were scheduled to change planes. We waited, but after several promises, our flight never left.

At some of the world’s busiest terminals, there has been a rash of hundreds of private car scammers picking up riders. They claim to have been sent by Uber and other legitimate operators.

They’re not only illegal, but also unsafe and uninsured. They often charge customers much larger fares than were quoted when Uber booked the rides by phone/smartphone. One recent example was an Uber quote of $120 for a trip from La Guardia in New York to Princeton, New Jersey.

If your retirement will happen in the next couple of years, consider a research vacation to help make up your mind. Many factors need to be processed when choosing a retirement location. First, of course, you must have enough income to be able to afford the community you choose.

If retirement funds are OK, you'll still have to resolve other aspects such as weather, local medical services, availability for family visits, recreation facilities and other important points.

Your travel4seniors.com editor. retired for 26 years, has visited virtually every corner of the world since taking off those workaday chains. With my savvy spouse we investigated all kinds of potential retirement locations. Here are ten possibilities, not necessarily in our opinionated order:

1. California: Real estate prices are insanely over-inflated, but you can hope it will be affordable when you consider a specific area. Lifestyle is great in San Diego, Los Angeles and other Southern California areas. San Francisco and Northern California offer sophistication and culture, but even higher real estate inflation.

Hopefully, Hurricane Matthew may be just an unpleasant memory. For seniors with flight plans, it's just another example of if something can go wrong with your schedule, it will.

Murphy’s Law was never more in effect than it is in today’s air travel. Anticipate and prepare for delays, because even the usual on-time and smooth flights can involve some schedule worries.