Ready to trade in that mortgage of yours for a home on wheels? Lots of retirees (or those nearing retirement) make this decision. Not only can it be more cost-effective to live in an RV than a traditional home, but it provides you with a means to travel the country during retirement. Whether you intend to do this on a seasonal, long-term (but temporary), or permanent basis, there are some things you’ll want to know about life on the road during retirement.
There are several types of recreational vehicles to choose from to meet your retirement needs. While you want to consider factors like safety, maneuverability, and affordability, size is a factor you don’t want to overlook. Consider testing out or viewing a few different rigs to determine which one is large enough to comfortably fit you, your significant other, and your belongings.
Minimizing Personal Belongings
There are varying sized RVs that you can purchase or rent, however, you won’t have as much space in the recreational vehicle as you would at home. That means you need to get really serious about the things that are most important to you. Holding on to essentials and letting go of the rest may be emotionally challenging, but it’s necessary for your safety and finances.
You’ll need to get rid of excess baggage as it can weigh you down and clutter up the space you do have in the RV. If you’re not keeping your home, ideally you’ll want to donate or sell the items you don’t need. Anything you want, but don’t want to travel with you in the RV can be placed in storage, however, keep in mind this is another bill you’ll need to budget for.
Though minimizing your personal belongings is necessary to live comfortably on the RV during retirement, having certain creature comforts on board is ideal. What are some things that you should purchase for the RV to make it more suitable for full-time living?
Perhaps you would like a television set or a computer for entertainment or business purposes. You might need an RV screen room enclosure for your awning so you can get out of the sometimes cramped space and enjoy the outdoors. Maybe your RV has a nice kitchen area, but you’d like to cook outdoors whenever the weather permits it. Then you’d need a grill and other cooking essentials to prepare your meals.
Safety and Protection
Car accidents aren’t the only thing you have to worry about when you’re living in an RV full-time. There’s also the possibility of natural disasters, theft, vandalism, and illness. Should your rig get robbed, damaged in a storm, or vandalized, it is imperative that you have enough insurance protection to cover the costs.
It goes without saying that as you get older, the risk of developing certain medical problems is higher. That’s why it’s important to have high-quality health insurance to protect you no matter where you are in the country. The right insurance coverage allows you to keep up with well visits and preventative measures while also seeking the treatment or emergent care you need in more serious circumstances.
RV living full-time as a retiree may seem like the most affordable thing in the world, but it’s not. Though it does provide significant financial relief from being a homeowner, there are still expenses attached. Such expenses can include the lease or RV loan, gas, maintenance and repairs, parking fees, tolls, insurance, and more. You’ll need to get a detailed list of expenses together to compare it to your retirement income to be sure you’re able to live comfortably. If not, there are a lot of remote and seasonal working opportunities you could consider to boost your retirement income.
Relinquishing the burden of a mortgage, utilities, and other expenses during retirement and simply exploring the country sounds like a dream come true. It can be, of course, as long as you’ve considered factors like those listed above. If living in an RV full-time is something you’re seriously considering, start planning well in advance to ensure that life on the road is everything you dreamed of and more.
Every few years families gather together in a neutral location to reconnect, bond, and spend quality time. While getting together with loved ones may have always been something you enjoyed, as you age, you realize just how important family support really is. You want nothing more than to be able to really enjoy your time with loved ones whether it’s just for the day or a week. To ensure you have a marvelous time, here are some family reunion travel tips to keep in mind.
Reach Out to the Coordinator
The moment you receive notice from relatives that there will be a family reunion you want to reach out to the coordinator. This is important so you can bring forth any ideas, concerns, or questions you may have about the upcoming event. If you have certain mobility issues, health conditions, or dietary considerations that need to be considered during the planning stages be sure to provide this information in advance.
Reserve Your Travel Accommodations
Now that you have an idea of what, when, and where the family reunion is going to be holding it’s best to reserve your travel accommodations. This is particularly true if the reunion is going to be somewhere popular. Look for hotels near the reunion site. You can ask other relatives where they’re staying as you may be able to get group discounts or save on a room by sleeping with one of them.
Decide on how you’ll get to and around at the family reunion destination. If it’s further away, obviously, you’ll need to make arrangements to fly. However, if it’s at a nearby location, perhaps you could drive yourself or carpool with another relative who lives near you.
Pay a Visit to Your Doctor
As you already know, the body doesn’t always work as well as you’d like it to as you get older. So, before leaving for your family reunion, it’s a good idea to check in with your doctor. Let them know where you’ll be going, how you’ll be traveling, and the types of activities you intend to participate in just to get the all-clear. This is also a good time to have any prescriptions filled in the event that you’re going to be away from home for a few days.
Now that you’ve made your travel plans and got the go-ahead from your doctor you’re ready to start packing for your family reunion trip. There are a few things you’re going to want to take with you even if you only plan on going for a day or two. Of course, you’ll want to make sure you have enough clothes and shoes for the trip. Don’t forget to preorder your Bella + Canvas 3001CVC Unisex Heather CVC T‑Shirt with the family name and logo on it.
You should also remember to pack your medications, supplements, undergarments, sun protection, cosmetics, and other toiletries. It’s also a good idea to pack a few sources of entertainment for the trip there and back (and for the downtime). You can bring along a good book, some board games, or yarn and needles for knitting and crocheting. Try as best you can to get everything into one bag to make it easier on yourself during the commute.
It’s not often that you get to see generations of loved ones all in the same place enjoying each other’s company. So, why not go and enjoy these experiences for yourself? The love and support of those closest to you will not only put a smile on your face but can enhance your overall well-being. After you’ve completed the things on the above-mentioned list you are all packed and ready to go and experience the fun, excitement, and love that comes from being with family.
Interested in giving your loved ones something more meaningful than a fruitcake, handmade sweaters, and other traditional gifts from grandparents? Sure, those gifts are from the heart and your intentions are in the right place, but it would be nice to give your loved ones something they can really appreciate. With so many items to choose from, however, narrowing it down can take some practice.
The best way to shop for gifts for your family is to consider their personalities and/or interests. Using this information, you can buy some of the most trendy and useful gifts they’ll enjoy. Below, are a few of the top categories/interests to choose from
If you want to buy a present any member of your family can appreciate you can’t go wrong with a tech purchase. Technology is used in just about everything we do these days, so whatever you get is sure to be enjoyed. Here are some popular tech gift ideas to consider:
Antiques and Collectibles
The great thing about giving antiques as presents are that they’re a gift that keeps on giving. When well-maintained, over time, these items become more valuable. Whether passed down as a family heirloom or preserved and traded in one day, it’s a present your loved ones can appreciate.
Health and Wellness
Everyone is trying to take a better approach to living healthy lifestyles. From dieting and exercising to reducing stress and more, there are a lot of ways to approach this. Needless to say, there are a ton of products on the market that your health and fitness enthusiasts will appreciate.
As you age, you face unique and specific health concerns. You’re also more likely to get sick alongside other negative health effects. But there are a few things you can do to improve your health and wellness.
1. Take Supplements
As your body ages, it doesn’t absorb vitamins and nutrients from nutrition the way it once did. Your doctor will likely recommend taking vitamins and minerals on a daily basis in order to prevent deficiencies.
A simple, yet often underappreciated supplement is gummies with CBD. This supplement derived from the hemp plant has no psychoactive properties like marijuana, but it comes with a host of health benefits like pain relief, reduced inflammation, stress relief, and more. It’s a legal supplement in some form in almost every state, and those who have tried it have reported numerous health and wellness benefits with minimal side effects.
Consider using a weekly pill separator to ensure you won’t forget to take your pills daily for optimum wellness and nutrition.
2. Drink More Water
Everyone could benefit from drinking a little more water, but seniors need it more than most. Every cell, tissue, and organ in your body requires hydration to work properly. If you want your immune system to fight off illnesses, your joints to heal from injury, and your body to stave off serious illnesses like heart disease, hypertension, and diabetes, you’ll drink more water.
Consider getting a water chart and filling it out through the day as you strive to reach your goal of at least 64 oz of water daily. If you’re tech savvy, you might consider an app that keeps track of your water intake instead.
Mental wellness is just as important as physical, particularly for the aging mind. You’ll soon find that your cognitive responses will slow and struggle more with each passing year. Socializing with others stimulates your brains and continually fires synapses to keep it healthy.
Seniors are often lonely too. They’re at a higher risk for anxiety, depression, dementia, and other mental health issues. Connecting with others who are in similar positions as your own allows you to let off steam that might otherwise build into serious mental health issues.
To make sure you’re getting proper socialization, it might be time to move from your long-time family home to a community where there are more people with similar life experience. There are many communities, both outside of nursing homes and within, that offer the senior-friendly socialization you subconsciously crave.
4. Join a Gym
Exercise will protect your joints, muscles, and tendons from falls and old age. You should achieve about 30 minutes of moderate-intensity exercise every day. A gym membership is ideal because you’ll kill two birds with one stone: exercise and socialization.
Choose a gym with plenty of senior-friendly activities. Many wellness centers like the YMCA have dozens of programs designed to help seniors with varying health problems and concerns stay active and healthy through fitness classes. They’ll teach you how to exercise without hurting yourself and give you opportunities to socialize with those with which you have things in common.
5. Sleep Better
Getting a better night’s sleep is an essential part of physical and mental health. While you sleep, your brain archives memories and replenishes energy stores. Your body repairs torn muscles and invites greater rest and relaxation for the next day. If you’re not getting the recommended 6-9 hours of sleep each night, your physical and mental state will suffer.
The sleep industry offers many potential solutions for those who struggle with sleep. Shop around, asking for reviews and recommendations from trusted sources. Your doctor can likely point you in the right direction for a better night’s sleep if you bring it up at your next appointment.
6. Stimulate Your Brain
Alzheimer’s, dementia, and other memory loss problems affect more than 40 percent of those over the age of 65. Each year, about one percent will progress from slight memory loss to dementia or worse, which is devastating to both those experiencing it and their families.
Stimulating your brain is a great way to slow memory-related health issues. Find ways to stimulate your brain. Pull out a crossword puzzle, watch trivia game shows, visit museums, and participate in other activities that require cognitive activity. Regular mental stimulation can delay or even prevent mental health problems at the end of your life.
7. Add Color to Your Plate
The standard American diet involves a lot of yellow and white foods. These hold very little nutritional value. As you age, you already struggle to get enough nutrition in the foods you eat, so eating monotone-colored meals won’t help.
As a general rule of thumb, every time you sit down to a meal, look for opportunities to add color. Carrots, bell peppers, oranges, leafy greens, cabbage, strawberries, and other fruits and vegetables are packed with nutrition and taste to improve your overall diet and health.
8. Have Regular Teeth Examinations
Your mouth is linked to your overall health in ways that you might not realize. Receiving an oral examination once every sixth months will decrease your risks for developing certain illnesses, prevent cavities, and help you keep your original teeth as long as possible.
In the meantime, brush and floss regularly. Good dental hygiene goes a long way in promoting your overall health and wellness.
9. Focus on Prevention
Some things are inevitable with old age. Your memory will worsen, your hearing and vision will degrade, and you’ll have wrinkles and age spots. There’s nothing you can do about those things. However, there’s a lot you can do to prevent serious health concerns, simply by taking preventative measures.
Prevent falls and injuries by removing trip hazards and improving lighting.
Receive yearly screenings for cancer and other illnesses at your yearly checkups.
Avoid certain risk factors for heart disease and other illnesses.
Eat healthy and exercise to stave off heart disease.
Quit smoking and limit your alcohol and caffeine intake.
Your prevention efforts will not only keep you healthier—they may also save your life one day!
For those who write for a living, trying to find the right words to convey a message to your audience can present some challenges. This is particularly true when it comes to telling stories about personal moments like weddings. Capturing the very essence of the celebration to give your readers a true understanding of the occasion requires great skill.
From color schemes and themes to the best venues and where to find the right wedding catering San Diego, New York, or Florida, a writer must learn to cover a wedding story in a way that provides sound advice and gives engaged couples a glimpse at what their wedding could be like. Though there is certainly more than one way to accomplish this, the best wedding posts should include the following elements.
Talk to the Couple
Your wedding story won’t be much without some specific details and opinions from the couple themselves. If you have the means to do so, start by having an in-depth conversation with the couple. Find out more about their personalities.
Where did they meet? How did they fall in love? What was the engagement like? What did they like or dislike about the wedding planning process? What were some special moments? What advice might they have for other couples getting married?
Asking those types of questions helps you to add character and personality to the story. It gives the readers something to identify with from the moment they start reading. If you can’t, however, talk with the couple, or you’re writing a fictional piece, try to create answers to the question based on the interests of your target audience.
Write From Personal Experience
Another angle you might take when writing a wedding blog post or story is to write from your own experiences. Whether you’re married or not, chances are you have some experience with weddings. Talk about how you felt as the bride or groom to be during the planning process, before, during, and after the wedding was over. Discuss how it felt as a guest. What things stood out most? What dishes were your favorite and why? Did you like the venue and entertainment? This gives the story more character and brings it to life for the audience.
Be Very Descriptive
To truly give readers a real glimpse of the wedding you have to be descriptive. As you’re writing the piece, try to draw on emotions, your own experiences, and the descriptions provided by others. As you walk through the venue, what do you see, how do you feel, what were your first thoughts? When you look at the bridal party what about their attire stood out, what were some of the latest trends, how were they acting? What was the day like? The weather, mood of the audience, and even the taste and smell of the foods? This provides readers with the opportunity to really visualize themselves being there and being in the moment with you.
Weddings are beautiful and sacred ceremonies celebrated all around the world. When presented with the opportunity to write a post on a true love story it may require you to dig deep. Take advice from other writers and blogs, identify your audience, connect with real-life stories or opinions, and be as descriptive as possible. In following this advice you will create a story that your readers fall in love with every time.
No matter where you were born, what economic circles you run in, or the type of education you received, every American has the opportunity to try their hand at being a business owner. However, though owning your own business is a romantic notion, it's also important to note that it's no small feat and takes a ton of hard work and determination to pull off successfully. There are a few things you should prepare ahead for when starting a new business, things that you might never use, but need to prepare for anyway.
Many small business owners think they don't need the services of a lawyer, especially when they're just starting out. This couldn't be further from the truth. There are many eventualities where an attorney could be needed, such as debt consolidation, business planning, and asset protection. They can also make sure your business plan and licensing paperwork is accurate and filed correctly. It's better to have a lawyer on retainer for your small business than to be without one when you need them. To find one, a simple internet search for a small business lawyer San Diego if you happen to be in Southern California, should yield several good results.
An Emergency Plan
In the rosy haze of starting a new business, any kind of disaster is unconscionable. However, in reality, lots of things can happen that are beyond your control. Natural disasters, power outages, fires, floods, internet connectivity issues. Do you know what you would do if your office building were to flood and you had to relocate for weeks? What if your servers go down? Do you have offsite backups?
If you don't have a clue on how to answer any of these questions, you need an emergency plan before you ever open your doors for the first time. It doesn't have to be an elaborate plan, but having the basics in place could save you a lot of grief if the worst should happen.
Even though the thought of expanding might sound crazy when you're first starting out, but building in scalability from the beginning is a wise move. This could mean investing in a larger network server now to save the cost of upgrading later, for example. The same applies to things like phone systems, POS networks and even leasing a copier. Less tangible things might include just a paper plan for how you will expand when the time comes. Is a second location the right move? Is the office space you have going to support 50% more staff? Planning is key to a successful expansion.
No business owner wants to stay after hours to give their business a good cleaning. However, bathrooms, windows, floors, carpeting, and other janitorial services have to be performed regularly. Since you're already going to be busy making a name for yourself in your chosen field, it's a good idea to hire a company that does the commercial cleaning for you. In this way, you will be able to concentrate on growing your business through marketing and hard work instead of putting your efforts into cleaning your business. If you have an outdoor space, don't forget to plan for its upkeep as well.
Starting a small business is daunting, exciting, frightening and oh so rewarding...if you do it right, that is. Preparing for the eventualities beforehand will help you and your business succeed in the long run.
Many thieves are usually preying on travelers because this is the time that your guard is down. Hence, you need to be careful whenever you are on a trip. As you enjoy yourself, be sure to keep your cards safe. Here are a few tips:
1. Share Your Itinerary with Your Bank
If you are in New York and try to pay for dinner in Los Angeles, your bank might suspect fraud and suspend the card. Giving your bank a rough itinerary of a trip you are planning for is now a norm for travelers, particularly if you are doing international travel. Add a week to your return date. This will ensure that in case of an emergency and you can’t return as planned, there are resources to make new hotel arrangements or pay for extra hotel nights. Your credit is most valuable when you are stranded.
2. Pack Well
Pack your wallet similar to a suitcase by taking what’s necessary only. While the PCI Security Council helps to ensure data security compliance among all major financial institutions, that doesn’t mean you need to bring every card you own. Hence, be sure to carry an ATM or debit card along with two or three major credit cards. The rest can be left at home. Double check to ensure the cards you bring will be accepted in the destination country; most cards are accepted in most places, but there are always exceptions. Your bank or credit card provider will be more than able to supply this information.
3. Minimize the Cash Withdrawal Limits
Debit cards are great ways of obtaining money, and they are also perfect ways for changing currencies. Most debit cards, particularly those that have a visa logo or MasterCard, will work at most cash machines overseas. With a debit or ATM card, the majority of the banks restrict the amount withdrawn in 24 hours. If you are going on a trip with the card, you might need to call up and temporarily reduce the limit. Hence, in case your card information or the card is stolen, and you report quickly, your loss is mitigated. Additionally, you can have a different travel account that is not connected to your typical savings and checking accounts. Deposit on the account the amount you plan on using during the vacation, and use that card during the trip. Therefore, if someone steals from your account, your regular accounts will still be safe.
4. Have Emergency Phone Numbers
If you are on a trip and both your wallet and phone are stolen, it might be hard to report the theft if you don’t have the phone numbers of your card issuer written somewhere. Maintain a list of phone numbers of your card issuer to ensure you can call them immediately someone steals your card or card information. Have these numbers in your phone and also keep a written list somewhere safe that is not your wallet. You will be able to put your accounts on hold within minutes of the theft.
5. Ask Hotels Regarding Card Security
The hotel sector reported eight percent of all card hacks in 2011. While this a reduction from 38 percent figure in 2009, it is still substantial. Hence, be sure to keep credit cards safe while staying at your hotel. Remember to inquire if the hotel computer system has tokenization or encryption technology, which safeguards private data. If you need to receive a package while abroad don't take the safety of those for granted either. One super safe option is to use a package locker. Nowadays, companies exist to manage the delivery and safekeeping of packages on a large scale for living communities or even businesses. Ask your hotel if they have such a service or how you can safely receive a package in the local area.
If you want to avoid or restrict the theft of monies in your bank account, be sure to keep these five tips in mind. You will not have to cut your trip short because all your money is gone.
Driving a car is an essential part of our lives. We spend thousands of hours at the wheel. Day after day, we sharpen our driving skills. It seems it’ll go on forever. Yet, things change as you get older. The seniors aren’t so good drivers as they would be. The level of concentration decreases. The sharpness of eyesight worsens. The reaction rate deteriorates.
Still, you don’t have to give up the driving pleasure. The following tips will help you to make the driving process safe and comfortable even at the age of 70+.
#1. Health Condition Is of Primary Importance
You will never get the driving license unless you pass the medical test. The rules demand to take a medical examination every five years after 70. you have to renew it when you turn 75. In older age, however, it’s recommended to visit your physician at least once a year. The following aspects should be examined:
#2. Insurance Is a Must-Have
Life insurance is one of the most important things to have. It gives financial help in the case of a mishap. When it comes to drivers, car insurance is of primary importance. As a matter of fact, the seniors are accident-prone. The older people suffer grave injuries and more fatalities than younger people. The price of car insurance for older drives is more expensive in comparison with insurance for middle-aged ones.
The car insurance coverage differs from region to region. The most common points include:
#3. Being at the Wheel
There is a list of items that always should be present in the car of seniors:
So, driving when you are a person in years is a reality. You have only to be careful and follow certain rules.
A Will is a legal document that allows you to write your wishes of what you want to happen to your property or belongings and who you want to leave them to. It is an important thing to have because, if you do not have one, the belongings you want to give to your family members might not go to the people you want them to. If you are looking for peace of mind about where your estate will go when you die, keep reading to find out why a Will is right for you.
You Can Make Decisions
One of the reasons for making a Will is because you can decide who you want to leave belongings to. When it comes to making a Will, you get to make all of the decisions. However, if you don’t have a Will in place, money or belongings can go to people in your family that you haven’t spoken to for years. This means that the family members that were involved with the relative that passed away will not get anything. Things may also get turned over to the legal system. The Treasury has a host of protocols they use in the event that someone dies without a Will and your family members and close friends could get little say in it.
Avoids Arguments with Family
When writing a Will, you can decide who gets what or you can decide where your things will be put. However, if you do not have a Will in place, your family members might be more inclined to have disagreements and arguments because they might think that your belongings should go to other people whereas, some might think they are entitled to more than what they should be. If you have a family who is prone to bickering like this, a Will lets you know that no accidents can happen after you have gone.
Things can Happen Unexpectedly
There are many reasons why you need a will; you do not know when a life-threatening disease or accident could happen to you or another family member. If you don’t have a Will put in place before something life-threatening happens, any wishes you have might not be honoured. If you know that you have something which you want to give to a family member or friend, make it legally binding as soon as possible.
Can Make Changes at Any Time
Another reason you should make a Will is that you can make changes to it at any time you have to, so for example, if you want to add more people to your Will or take people away. All it takes is a visit to your solicitor.
Overall it is important to make sure you have a will put in place to ensure that you can give your family your belongings that you want to give them. This will avoid arguments happening throughout the family and ensure everyone is left with something that you want them to have. If you are looking to put your affairs in order and approach the end of your life with complete peace of mind, you are going to need a Will.