Having trouble finding

a story, my problem is I am pretty sure it is by 1 of 3 authors who all have 30+ stories of varing lengths, and I can't be sure I'm not mixing similar plot lines.

The protagonist

1. Has a mini, original
2. is part owner of a IT business
3. transfers an old home movie from film to electronic media
4. Movie has a cottage in it, and apears to be from a nearby village.
5. fun and games begin
6. because bad guys are about, sister persuades her to take place as holiday rep in he
place, using her 'Spare' passport
7. later she is in a cafe in Florida? with a collegue which is busy so 2 guys join the 2 at their
table out of necessity and she fools them with her accents.
8. Sister later marries a US Rancher?

Hope the above sparks some memories.

Sammi