JNLiving a. Time To Play Traveling on a budget or with an open bank account has become an option. LISA BRODY Special to The Jewish News Top: Richard and Ilene Karson look through their trip photo albums. Inset: The Karsons visited Greece last summer. oday's older Americans are not sitting at home on their nest egg, hoping their children and grand- children will stop by for a visit. They're on the go, enjoying longer vacations, visiting the places of their dreams. - "They have the time, they have the money, and for the first time, they have the freedom," explains Loretta Kalt, cruise specialist at Bee Kalt Travel in Royal Oak. "The economy is good, they've worked hard and they want to treat them- selves. They don't worry about saving it all to pass it on to their kids after they're dead." Richard and Ilene Karson of West Bloomfield are enjoying having the 12/26 1997 L13