The golden years of retirement are what people look forward to after years of toiling at work. However, as author and reverse mortgage specialist Jim Blythe explains in his new guide book, Challenges of Change, it is important for seniors to be proactive in personal finances right now. A Certified Senior Advisor, Jim has been involved for years in helping people of all ages with budgeting their finances, but has a soft spot for seniors struggling with Social Security and those unprepared financially for their future. His book compiles real-life stories of senior clients he