For Mike Lafferty, moving to Florida and starting up a small business was always a dream. “I had an image of me at the front of a store, chatting with people as they walked by,” said Lafferty. “It is how I always pictured my retirement.” That dream nearly became a nightmare. After retiring from his 37 year career as a mechanical engineer, Lafferty and his wife Ella picked up stakes in their former home town of Scranton Pennsylvania and moved to sunny Coral Gables Florida. Within a month, Lafferty had sunk most of their life savings into starting up a small business, a flower shop, that would allow the couple to spend their golden years enjoying what used to be just a hobby.

“For years, we gardened in Scranton,” said Ella, “and we thought it would just be perfect to move to a warmer climate and make a going