You've looked forward to retirement for quite some time, now that it's finally here, you can't wait to sit back and relax. While it's okay to take the time to decompress, you really shouldn't ever fully stop. Staying active is the best thing you can do for your physical and mental health. When you stop moving or slow down, it's likely that boredom and health issues will set in.
Boredom Leads to Bad Habits
When you're consistently bored, it's easy to fall into destructive habits. One of the main things that is cause for concern is opioid or alcohol abuse. It's very easy to have drugs or liquor take up your free time simply because you like the way it makes you feel. Before long, you discover that you can no longer quit or go a day without using. If this happens, it's not too late to get help. Consider visiting facilities such as rehabs in Colorado to get the medical assistance you need to break these habits. There's no shame in seeking help for recovery, so if you feel that you're slipping down a slope, seek out assistance.
Staying Active Promotes Health
One of the worst things you can do, especially after retiring, is stop moving. It's important to stay active, whether you're a fitness buff or someone who enjoys a daily walk around the block. Staying active keeps your blood flowing and your muscles healthy so they don't atrophy or lose mass. It also staves off weight gain and can help prevent obesity. There are a number of things you can do to stay active such as hiking, riding your bike and even volunteering at a local pet shelter or hospital. If you do not leave your home much, especially if it's due to health issues, it's a good idea to invest in a remote health monitoring service so that you can get help if you need it.
Socializing Helps Boost Morale
The great thing about retirement is that it frees up your time, which affords you the luxury to do the things you always wanted to but couldn't fit in your schedule. If you don't know where to look for social activities, start by seeking out local senior centers. Community centers usually advertise weekly or monthly events, and you can always join specific groups on Facebook that are aimed at seniors in your area. Of course, you can always get together with friends and neighbors in your community to create your own events. Consider socializing over tea or forming a craft/hobby club with those who have similar interests.
While retirement is the time to relax, it's also important that you continue to live your life as if you never retired. This will keep you active and help maintain your health. Those who keep moving and stay active tend to fare better than those who choose to stay home and veg in front of the television. Plus, now that you no longer have to work, it's time to enjoy yourself.
Collecting the memories of your living relatives and uncovering the history of those long gone can be a rather time-sensitive task, but the end results are well worth the effort. More importantly, you don't have all of the time in the world to do so; your older relatives won't live forever. You won't live forever, either. What’s more, the chances of accessing information which has yet to be digitally archived decreases with every year. That's why it's up to you to take action at the appropriate time, and that time is now.
Recording family history is only something you easily can do while your older family members are still alive. If they sadly pass away, you no longer have to access to conversations with them that can be so telling, evocative and meaningful. Reading history books just isn't the same. It won't give you a glimpse into your own personal background, either. If you carefully read historical texts, you may get insight that delves into the politics of decades and decades ago. You may learn a lot about social practices and trends that were commonplace at the time, too. You won't learn much about the valued members who helped bring you into the world, though.
The life stories of older loved ones can be endlessly fascinating. It can be riveting to hear about things that took place during a major war or economic depression. Older family members can talk to you about food rations, bombings, major catastrophes and the like, and how they and those they knew managed to pull through. They can tell you about how those things influenced society from their perspective, and impacted their own lives specifically. What’s more, the life stories of older loved ones have a way of motivating us to do better, to embrace our passions and achieve great things in order to make our ancestors proud.
Rounding up information about your family members no longer has to be a demanding task at all. Contemporary advancements in technology have actually made it a piece of cake. For example, thanks to smartphones and the internet, you can easily record a conversation with your older relative and use online transcription services to have the discussion converted into a word document.
In fact, you don't even have to live close to your older family members in order to speak with them face-to-face. If you want to conduct an "in person" interview with your great-uncle who fought in the Battle of the Bulge, you can do so by setting up a video conferencing session on the internet. If your great-uncle is unable to navigate the online world on his own, he can get assistance from a relative or family member who lives close to him, too.
There are many older individuals who are now able to easily access the internet as well. It's not at all unusual to come across people online who are in their late-70s and 80. There are often individuals who are even older than that. Email and chat sessions can help you get your hands on your family members' intriguing and precious tales. These means of communication also help to maintain strong relationships with older relatives.
Technology greatly simplifies the process of documenting family history in clear detail. It makes the process of safeguarding this information just as simple. You can store text files that go into your family members' in-depth tales and anecdotes. You can even save images. If you visit your 90-year-old grandmother and come across a treasure trove of old and faded images hidden away in her attic or basement, you can scan the images to safeguard for the future. You can snap images of them using your mobile device as well. Images can help illustrate the stories your family members have to share. They can make their tales come to life with a lot more clarity.
The bottom line: if you want to help preserve your heritage, you need to reach out to your elderly family members as soon as possible.
For most of us, it’s no secret that love and happiness are directly related to your health. While the way you love in your twenties may not be the way you love in your sixties, intimacy and relationships are extremely important no matter how old you are. It is said that relationships and staying active can help retirees adjust to their new lives and keep them happy and healthy. Dating as a retiree, however, is of course, different than dating as a younger person. With that in mind, read on below for a few of the top ways to find a date as a retiree.
Being a retiree today, doesn’t mean that you sit in front of the TV all day long, putter around the house and yard, and go fishing alone once a week. However, the modern world and technology have changed quite a bit since more seniors were hot for the dating scene. Today, you no longer have to depend on friends and family to meet someone and you certainly don’t have to frequent the clubs and bars in your area. Instead, you can easily find someone on dating sites and apps devoted to dating. There are quite a few popular, and safe dating sites for seniors who are retired and over 65 years of age. Check them out to see if you can get out into the dating scene once again.
Visit Your Local Community Center
While dating in your sixties is a little different than dating in your teens, the butterflies, excitement and even the risk of losing your heart remain the same. If you are a retiree that still avoids all things internet, there are still other ways you can find love and companionship in today’s modern world. Check out your local community centers for senior nights. These centers offer activities, meet and greets, and even dinners for seniors in the area, so they can meet other people, and even possibly find late life love.
Senior Living Communities
Whether it’s assisted living, retirement living, or independent living, senior living communities have been responsible for many retirees finding love. Living close to one another and sharing meals and many activities together has led too many older couples finding love once again, or even for the first time. Joining a senior living community isn’t the same as moving into a nursing home in the modern world. It’s, instead, a chance to meet your peers and enjoy an active, happy retirement. According to the experts at Mission Harbor, a mental health facility in Santa Barbara, the number of retirees that are addicted to drugs or alcohol is staggering. Living in a senior living community, where you can be around your peers makes it less likely that you will fall into addiction.
Millions of people retire and soon realize that it's more of a burden than a luxury. They may realize that they don't have enough money to live comfortably or they come down with an illness all of a sudden. Others are healthy and financially stable but find themselves bored after hanging up their work boots.
Boredom is a major obstacle to happiness and good mental health. It occurs when you run out of options to make the days productive and meaningful. Upon retirement, you may think that there is too much free time. Staying inside and watching television or playing on the internet soon becomes the way of life.
Boredom may lead you to participate in certain compulsive behaviors. These are activities that you repeat constantly, sometimes for hours at a time, as a way to eliminate the boredom. Also known as an addiction, it's a common problem that you must recognize, confront and resolve before it worsens. If you're on medications, drug addiction may be a concern. If you have a problem with drugs or alcohol, a place like Beach House, an addiction treatment in Florida that residents recommend, can help.
Of course, there are other types of addiction. Food addiction affects people of all ages. For seniors, the consequences are far more severe. Their health is already failing and will only worsen when more sugar and fats enter their bodies.
There are also video and Internet addictions. These behaviors cause retirees to become more introverted, avoid social interactions and lack building meaningful experiences in the outside world.
One of the biggest retirement pitfalls is money. There may be too little of it when retirees stop working and bringing in a steady income. Sometimes, there is enough money, but it's being mismanaged or spent incorrectly either by the retiree or someone they know. Coming up with a plan years in advance is the traditional means for retirement but creating lasting income opportunities and not just living off savings is key, especially if you outlive your our plan!
The solution to this is to take more personal control over their finances. It's common for seniors to have too many people handling their money, such as a lawyer or relative, and misusing it as a result. Deciding what expenses are important like investments in your health or prioritizing home improvements like hot water heater repairs, while removing frivolous expenses like faster internet or an expensive cell phone plan can free up hundreds if not thousands of dollars.
Many people retire because of failing health that only worsens during their retirement. There are some problems that they cannot fix all on their own. They can still work to be as fit and healthy as possible. All retirees, regardless of health status, should take the time to exercise even if it means walking for a few minutes each day or taking up activities that keep them moving.
Retirement opens up more time to travel, especially indulging in overseas travel now that there are no time constraints. With frequent traveling, though, comes its own host of problems. The biggest problem is overspending on gifts, hotel rooms and other items.
On the other hand, some seniors complain about not being able to travel extensively. Instead of traveling alone, they should consider traveling with friends or family members who can accompany and assist them during the trip.
Retirement at any age carries a wide range of pitfalls. There are ways to overcome each and every one with just a bit of care and attention to the root of the issue.
For people of all ages, pet ownership is an essential part of a gratifying lifestyle. The joy of a furry friend can provide many wonderful benefits, including daily companionship, stress reduction, and a loving bond. For senior citizens, owning a pet in retirement may present a few challenges, but the benefits of this beautiful relationship will easily outweigh most obstacles.
The Challenges of Aging: Choose the Right Pet
Aging can often be complicated by painful knees, sore backs, and reduced stamina. Caring for a pet while coping with one’s own health concerns might seem like a difficult commitment. Lifting a heavy dog may not be possible during your retirement years, and long walks with a large, energetic dog might require more activity than is practical for your health. Animal lovers who feel unable to properly care for a pet can always choose to give to foundations that help animals for peace of mind. If opting to own a pet despite some physical impairments, choosing pets that match your lifestyle and activity limitations is essential. For example, small-breed dogs are easy to lift, and they are typically satisfied with short walks and limited activity; cats require little more than a warm lap and a window perch to watch the world go by.
Staying Social: Out and About
Pets can also help you form bonds with other pet owners in your neighborhood. For example, sharing tips for cat-safe plants or favorite toys is a great way to meet your pet-loving neighbors. Daily dog park adventures give you the opportunity to expand your circle of friends and stay active in your community. As a pet lover, you might even enjoy an opportunity to volunteer at your local animal shelter, which can be a meaningful and enjoyable way to transition out of the workplace without losing the benefit of frequent social connections.
The Cost and Convenience of Veterinary Care
Another example of the challenges of pet ownership during retirement is the cost of veterinary care for dogs and cats. When living on a fixed income, a medical emergency for your pet can quickly drain your bank account. Pet health insurance is a simple solution for your concerns about the cost of owning a pet, and you will enjoy peace of mind about paying for your pet’s future medical needs. To make your pet’s veterinary care as easy as possible, consider the convenience of working with an in-home or traveling veterinarian for all of your pet’s medical care.
A Great Bond to Enhance Your Health
Older folks can often lose relationships when friends move, pass away, or their ability to be social declines. This can often lead down a slippery slope into becoming and introvert, abusing alcohol, or experimenting with drug use to pass the time. Generally when seniors need a drug detox center it’s due to loneliness and inactivity. However, when you enjoy the company of a pet who is a good match for your lifestyle, you can focus on the mutual benefits of the human-pet partnership. The bond you have with your pet can prevent loneliness, and the other health benefits of owning a pet include lower blood pressure, reduced pain, and less stress. The tasks involved with caring for a pet can also improve mobility and help aging seniors remain independent. Above all else, the joy of watching a pet play with a toy or enthusiastically greet you when you arrive home is a priceless gift that only a furry friend can provide.
Although you should carefully consider the potential challenges of owning a pet in retirement, the benefits you will experience can improve your health and wellness. When you find the right pet for your lifestyle, don’t hesitate to start a loving relationship with a new furry friend.
After you retire, and the few weeks of jubilation, parties, and commotions come to a close, you are suddenly faced with a lot of extra time. This period of time is vital when it comes to playing out the course of your life. You want the remainder of your time to be spent in a healthy-living fashion. You want to go out and see the world, taking time to do the things you could have never fit into your previous schedule. Your outlook becomes geared towards experience over possessing goods. All of these ideals are highly sought after when we retire and below are a few options to get you prepared for utilizing this additional time to your advantage.
Maybe, you will begin to fill your time with things that are unhealthy. This could be anything from habitual eating to drugs and alcohol. While this can fill your time, it is also very bad for you. You should work to get these things out of your life. If you do have an addiction problem, this is not as easy as you think. You might even start to wonder "how long does withdrawal last?" Fear not, with the proper motivation and support from your family and friends, you will be able to get through it.
Beyond the monetary concerns, there is also a need to plan out your weekly and monthly schedules. This brings a sense of recognition to your time and adds purposeful tasks and events that you enjoy. The idea of planning and putting these items in writing will bring back any lost sense of organization. Keeping you on task is a bulk of the work when it comes to utilizing free time. Starting a weekly organizer or posting a calendar that you will view daily is a good visual representation for success.
Planning also equates to your ability to include activities that you might not have done previously. For example, mental health and physical health become two of the major pillars of upkeep. We want to participate in events that keep us sharp in both fields. Trivia nights, bingo halls, card games, and other such mental inclusions can keep us socially healthy while also keeping our brains focused. If you are a little more self-secluded, brain teasers and puzzles are good for keeping our minds on the correct track. These items take a few hours from our day and keep us health-focused.
Eating right is another step to improving physical health as we age past retirement. Our bodies do not break down foods at levels we were once accustomed to, limiting our metabolism and calling for a steady diet of easy to digest foods. Softer items and items that move through the body at a quicker pace are great for picking us up and providing the energy and nutrients we need to get through our day-to-day lives.
While planning can be good, you shouldn't overdo it. Some of us have worked hard our entire lives and it has been the only constant we have known. This puts us in a tough spot when retiring. We are often left to wallow within our thoughts, limiting our mental capabilities and getting into a funk. If you do not participate in activities or functions that keep your mental levels sharp, you often fall into an area that is difficult to climb out of. Just like our bodies begin to slow in terms of metabolism, our brain can slow in terms of output. If you allow yourself to succumb to unrealistic thoughts and mindsets, the reductions that follow could be terminal. Keep things upbeat, try as hard as you can to continue to chase achievements and goals, and set the bar to an attainable level. Never run out of ideas or options. Continuously over-schedule yourself so that you know you'll have something to rely on to take up your time. The worst you can do is fill your schedule with so many options that you must choose which one to do and which one to miss during a certain timeframe.
You've spent the better part of your life taking care of your home. Now, just because your family has grown and moved away, it doesn't mean that you can't still enjoy the comfort of your home along with all of its cherished memories.
In most cases, your empty nest will have much more space than you will need in your retirement years. While it will be nice to have plenty of extra room for when your family visits, you will, for different reasons, want to consider making some necessary changes to your home's layout to make it more conducive to the lifestyle that you plan to maintain on a daily basis. Here are a few things to think about.
Think about a remodel.
You may want to think about remodeling your home for a variety reasons. Ease of accessibility as well as your extended comfort level should be your main priorities when planning to spend your retirement years in your forever home.
Close off part of the house.
The everyday dusting, cleaning, and vacuuming of a house takes a significant amount of time, especially with a larger home. Chances are, you have a few more rooms in your house now that you are planning to retire and your family is gone. A good way to make cleaning easier is to close different rooms, or, even entire floors. You can close the heating and cooling vents, cover the furniture in sheets to minimize the dust, and not use the rooms at all. And, when it’s time for company, you can easily reopen the room for use.
These are just a few things to consider to make your home more enjoyable for your retirement years. The main idea is to make your home easier for you to navigate, clean, and be comfortable in. With a little planning, you can easily keep the home that you raised your family in and enjoy being surrounded by all of those treasured memories for as long as you want.
Inflammation is the basis for numerous diseases and conditions while also generating pain from arthritis or injury. Pain is a billion dollar industry and anti-inflammatory treatments often offer relief. But what options exist for someone allergic to Nonsteroidal Anti-inflammatory Drugs (NSAIDs) or otherwise wants to avoid them?
NSAID Side Effects:
Harvard Researchers have identified numerous anti-inflammatory foods and supplements. NSAIDs gain their effectiveness by blocking enzymes called Cyclooxygenase, often abbreviated Cox-1 & Cox-2. Foods and supplements achieve their anti-inflammatory properties the same way. An anti-inflammatory diet is one rich in Omega-3 fatty acids such as Extra Virgin Olive Oil while avoiding saturated fats and processed foods.
One of the most popular and effective natural anti-inflammatories has been utilized for over 6000 years. Willow bark, "Nature's Aspirin," contains Salicin, which is similar to aspirin, and an effective anti-inflammatory. Several willow bark benefits include:
Turmeric is a spice obtained from the Turmeric plant, often used in Asian foods such as Curry. The root contains a yellow-colored chemical known as curcumin that has strong anti-inflammatory properties. Turmeric has been utilized for years for the following:
Is Acetaminophen a Good Option?
Acetaminophen is also known as Tylenol. It is utilized as a pain reliever and fever reducer, for mild to moderate symptoms. What are the pros and cons of acetaminophen? Acetaminophen does not cause the stomach or intestinal ulcers as seen with NSAIDs, such as Aspirin or Ibuprofen. Common side effects of Acetaminophen include:
Other Natural Choices:
Anti-inflammatory treatments are sought by many. With serious side effects and allergies limiting their use, people are turning to natural options.
Back and neck pain are very common. This pain can be acute, meaning it started suddenly, or it can be chronic, which means that the same pain has been present for a while. This pain can have a vast array of possible causes, including arthritis, muscle spasms, compression fractures, herniated discs, and obesity. Neck and back pain are sometimes treated with prescription painkillers and even surgery. This article will discuss some possible alternative treatments for chronic neck and back pain that don't involve drugs or surgery.
Try a neck hammock
This is a simple and ingenious device for figuring out how to relieve a stiff neck both at home and on-the-go. All you need is a sturdy doorway and about 10 minutes of privacy. Simply attach the strings to the doorway, lie down, and place the hammock around the back of your neck. The device relieves pain through the action of traction, which works to relax and stretch the muscles in your neck.
Attend a wellness retreat
Most modern-day wellness retreats offer natural therapies for chronic pain in a relaxing setting. These treatments may include nutritional support, yoga, massage therapy designed to help realign the body, hikes, herbal supplements, hydrotherapy, and meditation.
An inversion table is a device that allows you to safely hang upside down. Inversion therapy helps to relieve chronic neck and back pain by reversing some of the effects of gravity on your body, particularly the spinal column. The spine is constructed of vertebrae, or small bones, and discs. These discs are firm pieces of tissue that act as a cushion between the vertebrae. Discs are firm, yet still flexible. They contain a type of gel in the center. As people age, this gel can begin to solidify, causing the disc to be less effective as a cushion between the vertebrae.
This therapy reduces the pressure normally present on these discs, allowing them to expand and even rehydrate. Blood circulation is improved, too. Inversion tables may also relieve pressure on certain nerves, reducing or relieving pain from this source. While many people find inversion tables to be an effective way to relieve neck and back pain, the relief isn't permanent. Daily use of the inversion table is typically necessary in order to maintain pain relief.
One of the best forms of exercise is a brisk 30-minute walk at least 3 times a week. A regular regimen of walking can help relieve neck and pain in several important ways. Walking strengthens the muscles that help to support your spine. It helps to increase bone density. Walking improves circulation, which helps to bring important nutrients to the spinal area, and it helps to maintain overall body flexibility.
Walking may also encourage the brain to release endorphins. Endorphins are natural brain chemicals that relieve pain and produce feelings of well-being. Walking may help your body to control your neck and back pain naturally.
Some Other Suggestions
Reduce or eliminate your consumption of refined sugar. Refined sugar encourages inflammation, which can lead to chronic pain in the back, neck, and joints. Limit your intake of alcohol and caffeine, too. Make sure you get enough sleep. Inadequate sleep can lead to a disruption of certain hormones that can lead to increased stress. This stress can cause muscle tension, which in turn produces pain in the neck and back.
You don't have to turn to drugs and surgery to get relief from neck and back pain. You can use what you have learned here today to see if some of these natural methods bring natural, welcome relief from your chronic pain.
The time for resolutions is soon upon us all and for seniors, this can be a time to make a switch for the better than can prolong your life if you stick to it. The risk of developing health problems such as high blood pressure, heart disease, diabetes, and cancer increases with age. For this reason, it's important that seniors take steps to prioritize a healthy lifestyle and healthy eating.
Dietary changes have been shown to reduce the risk of many health issues and can also help seniors remain active and independent throughout their golden years. Mixing in the right foods and supplements to someone’s daily life can make them act, look, and feel decades younger if they remain consistent. Anti-aging products like firming eye cream or wrinkle removal mouthguards can help, but they will work even better when the user is eating the right diet too.
1. Going Gluten Free
Seniors often experience irritable bowel syndrome, heartburn, and other stomach issues such as constipation and diarrhea. Gluten can irritate the stomach and cause an inflammatory response in some people. While going entirely gluten free isn't always necessary unless one has a formal diagnosis of celiac disease, eating a few meals each week with no gluten may help alleviate any stomach symptoms one is experiencing. Oats, rice and other flours can be good substitutes when you want to try gluten free baking. Additionally, there are many pastas that are now made from black beans, chickpeas, or lentils, making it possible to still enjoy pasta night without gluten.
2. Avoiding Sugar
Refined sugar includes any kind of cane sugar such as white granulated sugar, powdered sugar, brown sugar, and high fructose corn syrup. It is typically found in processed foods such as crackers, yogurt, tomato sauce, ketchup, and salad dressing. These sugars contribute to inflammation in the body and can raise the risk of obesity, high blood pressure, and cardiovascular issues. Additionally, frequently having meals that are high in refined sugar can lead to a feeling of lethargy.
To minimize your sugar intake, try to base your meals around fruits, vegetables, and legumes. If buying frozen or pre-packaged meals, make sure to check the sugar content on the nutrition label. As recommended by the American Heart Association, try to aim for less than 24g of sugar each day. In particular, limit the number of boxed cookies and crackers you buy. If you need something sweet, experiment with making your own low-sugar desserts using natural sugars such as coconut sugar or sugar-free alternatives such as stevia and xylitol.
3. Reduce Saturated and Trans Fat Intake
Trans fats and saturated fats raise the risk of heart disease and can quickly build up in the arteries, potentially leading to a heart attack or stroke. To limit your intake of these, try to minimize your consumption of fast food and fried foods such as french fries and fried meats. In place of cheese or butter, consider using hummus or non-dairy butter spreads which have less saturated fat. Try substituting mustard instead of mayonnaise.
4. Add Fiber
Adding fiber to the diet is one of the most effective healthy eating strategies for seniors. It can help in resolving constipation, diarrhea, and other stomach issues that seniors frequently experience due to side effects from medication. Oatmeal, brown rice, black beans, lentils, and avocados are some of the high-fiber foods that can easily be incorporated into a healthy eating plan.
5. Add Magnesium
Seniors may sometimes have trouble sleeping and experience muscle cramps. Increasing your intake of magnesium can help improve sleep and reduce cramping. Magnesium supplements can help with this, and you can also obtain magnesium from foods such as bananas, almonds, spinach, and tofu.
6. Add Potassium
Potassium helps lower blood pressure, and having adequate levels of this nutrient may lessen the need for blood pressure medication. While supplementation can help, obtaining this nutrient from food is particularly effective. Consider adding some high-potassium foods to your diet such as broccoli, mushrooms, potatoes, peas, and cucumbers.
Are you ready to enjoy retirement, but find it difficult due to your finances? You may have a bit of cash coming in from your pension and social security benefits, but it’s not enough to cover your bills, let alone your personal interests and desires. It may seem as though the only answer is to push back your retirement date or to return to the workforce after retirement, however, there are other options. Many adults nearing and in retirement that have turned their hobbies into a means to pay the bills.
Turning a Passion Into a Paycheck
Before you start filling out applications for minimum wage positions that don’t suit your skills or bring you happiness, perhaps you should consider the idea of turning your passion into a paycheck. Today’s advanced environment makes it easier for adults to become entrepreneurs with very little to invest. Whether you want to do it part-time or on a full-time basis, you can live out your retirement years doing something you enjoy and getting paid for it. Here are some good ideas:
If you love classic cars and know a thing or two about fixing or restoring them to their original state you could make a living from it. There are a lot of classic car lovers in the retirement community that would pay you thousands of dollars to bring back vehicles from their past. You can find cars for cheap at a junkyard or an online sales ad and restore them. There are vendors you can purchase car parts and other supplies from online for a good deal. You can buy everything from floor mats and seat covers to new belts and engine parts to enhance the car’s look and performance. Once complete you can sell the vehicle for more than double what you invested.
Arts and Crafts
If you have a love for crafting you can make some side cash during retirement. Whether you knit, crochet, paint, sculpt, make dolls, or design jewelry there’s a considerable amount of cash you can make. If you’re pretty tech-savvy, you can create an online shop to sell your crafts from or place advertisements through classifieds. You can also set up tables at major flea markets or have weekly yard sales to try and get business that way.
They say with age comes wisdom and this knowledge can earn you a decent living. If you have a lot to say about a subject matter, you could become a writer. You can start a blog, write individual pieces for other blogs, write an ebook, a how-to guide, or even create your own fiction or non-fiction book with next to no investment. Writing can be very therapeutic and since content is king of the internet you can rest assured there are several people out there who share the same interests and would read your material.
Are you good at taking photos? If you enjoy photography, you can turn your passion into a side business. There is always a need for great pictures both on and offline. You can take random photos and sell them to websites and bloggers for use. You could start your own blog about photography, travel, art, or a number of other subjects and use your pictures to gain a following. You might also take pictures of interested parties from babies and pets to couples and family portraits.
You’ve already spent the last few decades of your life working hard to survive and provide. Now that you’ve reached (or are nearing) retirement, it’s time to enjoy it. Instead of going back to a job that serves little purpose or generates minimal income, consider starting your own business or side hustle derived from your hobbies. After you’ve taken care of the groundwork and made the initial investments, you’ll find that making money to fund your retirement is not only easier but a lot more fun than any job you’ve ever had.
While getting the most square footage possible remains at the top of many people’s lists when they want to buy a home, a growing trend focuses on the benefits of smaller units. In addition to changing preferences of first-time homeowners compared to those in previous generations, the rising popularity of smaller homes can be attributed to increased demand for the limited space in urban areas as well as the price constraints imposed by stricter borrowing standards.
Smaller homes will inevitably demand some creative decorating and renovating on the part of the homeowners. Fortunately there are a number of ways to make the most of limited space without cutting off the comfort your dwelling should provide:
It’s counterintuitive, but deciding when it’s appropriate to go big is important when making improvements to a smaller dwelling. For instance, the master bedroom should have a big bed with plush comforters and pillows to match. The relatively large size of the room and limited opportunity to put much else in there means an imposing bed provides a proven anchor for a few smaller pieces to center around. Likewise, don’t be afraid to put a big sofa in the living room. Opting for smaller furniture in order to open up a few feet of space will be a disappointing trade off considering most people aren’t doing much in the living besides sitting down.
Modern Technology Appliances
Focus on maximizing the use of limited spaces by upgrading to high-quality, modern technology equipment or appliances. For instance, you may consider installing a pair of drawer dishwashers instead of a standard drop-down in order to avoid having to make room for the door with expanded floor space. Likewise, take advantage of shelving in bathrooms to optimize accessibility without infringing on the existing tight fit.
Smaller homes tend to have lower hanging ceilings. To counteract the potential for claustrophobia, use low-sitting furniture. This can apply to bed frames as well. When people enter a room with a low-ceiling with equally low-lying furniture, they are less likely to notice a difference compared to rooms with standard ceiling heights.
Let there be light
Lighting is an especially important factor in small home design, primarily because there is little room for error. As far as windows go, the fewer the better, but only if they are large. In other words, each room will only have space for one or two windows, so they should be allowing as much natural light in as possible. For rooms with limited sun exposure throughout the day, a well-placed central ceiling light fixture is crucial.
Finally, we would be remiss if we didn’t talk about multifunctional elements and their importance in small home design. Futons, fold-outs, desk-to-tables, shelved room dividers, and storage-friendly coffee tables are just some of the multi-purpose furniture pieces to consider incorporating into your small home design.
Home buying has traditionally revolved around getting as much space for your money as possible, but an increasing number of first-time homebuyers are choosing smaller-sized dwellings. Fortunately there are ways to get the most out of smaller homes.
Homeowners in a position to make changes to the look of their property are often afflicted with analysis paralysis - the inability to make a decision due to overthinking the situation. There are so many options to choose from when it comes to decorating the interior and exterior of a house that it feels impossible to narrow them down into a practical plan going forward.
One possible solution for those undergoing analysis paralysis while planning a home decorating project is to explore several different styles at once. Rather than try and further narrow down your shortlist of preferences, incorporate them all into the redesign project. We call it the White House approach, and here is how you do it:
Different themes for different rooms
Are you torn between a love for classic decor and a passion for modern design? If so, why not devote a room to one and a room to the other? Similar to how different bedrooms in the White House are themed differently, the rooms of your house can each have its own distinct look and feel. Decorate a home office with antique furniture and ornate light fixtures, then plan the living room to be up-to-speed with the latest trends in interior design. Do this for every room to get a taste of each theme on your shortlist.
Form in the front and function in the back
As far as the exterior of a home is concerned, many people choose to do little if anything in the way of altering the decor. It is important to upkeep your outdoor cabinets to ensure that if you improve the small things, it will go a long way. We want to avoid ruining the existing aesthetic of the property as viewed from the front, but this approach adds up to lots of wasted space. Get the most out of your exterior by making improvements in places which are hard to see from the street, mainly in the backyard area. This is similar to the White House, where the grounds appear timeless and untouched from the street thanks to state-of-the-art upgrades being concealed by foliage.
At this stage, your creativity can take you down several different interior and exterior decor approaches. With that said, it’s important not to stretch yourself too thin, both in terms of the planning effort and labor involved. When it comes to the interior of the house, focus on one room at a time. Don’t move on to the next one until the first is complete. While this may not sound like responsibly managed time, this process can be done over the course of a week or so if planned out the right way.
As far as the exterior of the house goes, prioritize the decorating in a back-to-front fashion. That way when your backyard patio area is complete, you’re able to modify foliage and fencing to better conceal the back of the property. If you work the other way around, your decisions in the front may not be enough to adequately frame-off and cover those in the back.
The decision to make changes to the decor of your house can quickly turn into an inability to make decisions about which changes you really want to make. Consider several approaches in order to lessen the burden of tough choices, as well as explore several different design styles.
The open enrollment period for 2019 Medicare coverage recently began on October 15, and will extend until December 7. This means it’s once again time for current beneficiaries and eligible Americans to start thinking about which Medicare plans are most advantageous for their health needs and budget parameters.
Making this decision is based on a variety of factors such as the kind of benefits available, the physicians in-network, the deductible amount, and the cost of both premiums and out-of-pocket expenses. Once you determine what plans offer the coverage you are looking for at a rate you can afford, this can help inform your choice of whether to stick with Original Medicare (Parts A and B), or to select Medicare Advantage (Part C), Prescription Drug Coverage (Part D) and other Supplement plans in addition.
If you are among the more than 56 million Americans who depend on Medicare for health insurance, consider the average price breakdown from these survey results enumerated below when shopping around for your 2019 benefits.
Medicare Costs At-a-Glance Based on Current Beneficiary Responses
Recently, a segment of the senior population enrolled in Medicare coverage was polled in regard to the expenditures accrued from their current plans. They were surveyed on three main areas of cost related criteria—monthly premiums and out-of-pocket costs, deferral or avoidance of treatments, and usage of supplementary benefits.
To address this issue of monthly expense, the survey found that 33% of respondents are charged less than $100 each month in premiums, and 57% are charged between $100 and $199. Conversely, just 10% of respondents are charged $200 or more in premiums. Next, factoring in the out-of-pocket expenses, around three quarters of these polled beneficiaries indicated they owe less than $100 out-of-pocket each month, while 22% stated they owe upwards of $100.
When asked if they delay or decline certain medical procedures due to cost despite having a Medicare plan, 19% of respondents answered “yes.” Others chose to offset these more expensive treatments by adding a Medicare Advantage or Supplement plan to their existing policies. In fact, 45% indicated they are enrolled in an Advantage plan, while 26% are enrolled in a Supplement plan, and another 43%, who are currently without a Supplement plan, have considered adding this coverage.
Other Factors to Keep in Mind when Reviewing Medicare Plans
Calculating and comparing the estimated prices can help steer your decision, but there are other elements worth researching too. As you examine the different coverage options during the course of open enrollment, familiarize yourself with the various Medicare changes and updates taking place in 2019.
One of the major amendments going into effect this new year is the freedom for Medicare Advantage enrollees to switch from one Medicare Advantage plan to another, or revert to Original Medicare with standalone prescription drug coverage, between January 1 and March 31. This time-frame gives you three months to determine if a certain plan works for you and then to adjust the coverage if needed. However, within this grace period, just one change is permitted.
The other modification relates to Part D coverage—as of 2019, beneficiaries with high-cost prescriptions will not be subjected to the “donut hole” issue anymore. This means the gap between your Part D’s coverage limit and the maximum out-of-pocket cost will be reduced, so the amount you are required to cover will decrease to 25% of the total price for brand-name medications and 37% for generic medications.
The average monthly premium for Part D coverage is also expected to lower from $33.59 down to $32.50 once the new year begins. If you are high on the income bracket though (at least $500,000 for individuals and $750,000 for couples), prepare to be charged increased rates for both Part D and Part B premiums in 2019. In fact, these added surcharges will result in paying 85% of the total coverage.
Finally, the Center for Medicare and Medicaid Services (CMS) has projected that Medicare Advantage premiums will reach their most affordable cost in three years, with a 6% decrease to $28.00 or lower each month. The number of Advantage policies offered will expand also, giving about 91% of beneficiaries over 10 plans to choose from. This upsurge in variety and downturn in cost is forecasted to boost Medicare Advantage enrollment to an impressive 22.6 million Americans, the highest concentration to date.
As you navigate the different Medicare policies and programs available for this upcoming year, the information provided is intended to ease your mind and streamline your choice. For an additional resource, this Guide to Medicare can help you understand the different nuances and facets of coverage more in-depth, so you can enter 2019 feeling empowered and secure in your healthcare decision.
Business owners with only a decade or so to go before retirement are hiring more and more millennial-age people to work for them with every year. While it can be tough for those in their 50s and 60s to develop a successful method of managing those of a younger generation, this phenomenon is hardly new. The age gap between upper management and employees is a time-tested dynamic every business owner will need to factor into their operative practices.
While every generation is a little different, millennials aren’t so special from other age groups as to be impossible to manage. To improve their relationship with younger workers, older business owners can utilize the following ABCs of managing a mostly millennial workforce:
Account for individuality
There is more diversity in the millennial age workforce than in those of previous generations. While this includes things like race, religion, and gender, it also includes things like lifestyle and dietary choices. With this in mind, business owners who wish to better manage a millennial workforce will want to account for individuality as best as possible, but simultaneously avoid drawing too much attention to it. For instance, when it comes to handing out holiday offerings to employees, a turkey gift certificate is a sure winner nine times out of ten, but what about Jim the vegetarian? Having a comparable alternative is a nice way of saying you acknowledge and respect him as an individual without making a big deal out of it.
One of the biggest complaints business owners have about millennial age employees is how they don’t seem to respect work schedules, break time rules, and other clock-oriented aspects of employment. As an owner-manager, you have two options: become more strict about enforcing set schedules, or switch to a results-driven model. By placing an emphasis on the results i.e. the quality and quantity of work an employee produces in a given amount of time, employers can let millennial age staff move at their own pace but still hold them accountable. Start by developing mid-week and end-of-week goals for workers, coupled with a mid-week and end-of-week review of their productivity.
Capitalize on their tech-savvy
Some people look at how often millennials are on their smartphones and in cyberspace and shake their head at the apparent waste of time and energy. Those with an innate entrepreneurial spirit, however, look at this and see an untapped source of digital expertise. Most millennials are naturally gifted when it comes to finding reliable information online, managing a social media presence, and troubleshooting various glitches and hiccups with software and apps. Business owners ought to incorporate this into their day-to-day operations to better harness the talents millennials are bringing to the table.
Don’t “Fellow Kids” them
If you’ve thought about using memes to reach out to your workers, note that what you’re doing is itself already a meme. Rather than trying to fit in with your millennial employees by seizing on the eccentricities of internet culture, focus on the organic common ground. There’s more of it than you or they probably realize. A mutual appreciation for professional sports is one example. Another would be a shared fondness for a particular book, movie series, or TV show. Even food is something people of multiple age groups can.
Express displeasure appropriately
In addition to being flaky about work schedules, millennials also have a bad rap when it comes to taking criticism. But rather than treating them with kid gloves and consequently preventing your business from improving, older managers of millennials ought to focus on the appropriate means to express their displeasure with a person’s performance. Begin by understanding the difference between constructive criticism and destructive criticism. Follow up by delivering the critique in person one-on-one rather than through email or in a meeting. Do not mince words, but do not end the conversation without outlining a clear path for improvement. If you genuinely feel like your employee is capable of making the necessary changes (which you would if you are choosing to keep them) make sure they know your feelings on the matter.
Business owners nearing retirement age are probably managing a workforce of mostly millennials. If you’ve been having trouble finding the best way to lead employees belonging to this generation, you’re not alone. Fortunately, there are a few relatively simple ways to improve your management of millennial workers without sacrificing the values and techniques which led to your success in the first place.
There are many different investment strategies when it comes to saving for retirement, and not all of them are tied up with money in the bank. Many people agree that having a great savings account is important. Others agree that having a 401k and other such retirement savings are great. One new way that people are looking into saving for their retirements is by investing in their home. There are many ways to improve your home, but not all will raise its value. It’s important to research whatever you decide to do, and comply with all local laws.
Simple Home Improvements
One investment many people make in their home is adding a deck. There are a lot of different options available for this, and there is no one-size-fits-all package. Having someplace to relax on warm, summer evenings is one of the great perks of homeownership.
Fresh paint is another simple home investment you can make. Painting your house is fairly easy and inexpensive to do, and it can give your house a new design that makes you fall in love all over again.
Another way people invest in their homes is by doing simple home maintenance. This is one of the easiest investment strategies for retirement. It's fairly inexpensive, but takes time to do and still costs money. Working to do all the basic upkeep on your home will ensure that you have a great opportunity to relax and enjoy your home when you retire.
Solar panels are another way you can invest in your future. This investment will help save you time and money. Before you invest in these panels, consider the following:
* Are these panels right for you? These panels are an investment that can save you money throughout the life of your house, but it does cost money as an initial investment. Think carefully about how long you're planning on staying in your local house.
* Are these panels allowed by your local zoning laws? While most places are becoming friendly to these panels, some may have laws against them; so make sure to check your local laws. If space is an issue you can always look into roof mount solar panels that won’t add as much clutter to the yard.
It's up to you to make the final decision on what investments you should make for your retirement. If you decide to invest in your home, remember, you want it to be comfortable and friendly. Making sure your home is well-designed now will allow you to kick back and relax in it when you are older.
Before making any major repairs and expenditures in your home, it's ideal to make sure that these are really what you're going to want long term. Take time to do research and determine whether or not the home repairs are worth the investment.
There are many great companies that offer these services, so don't feel like you have to do all the hard work on your own. While doing a project on your own can potentially save money, it does take time. Hiring a professional can make the job quicker and easier.
There is indeed no place like home, so we truly understand if you want to spend your twilight years in the home that you’ve built with the ones that you love.
But aging brings with it a lot of physical changes. You might start to feel that your joints are getting weaker and your vision is getting more and more blurry. There is a need to tweak your home a bit to accommodate the changes that you are experiencing. We’ll discuss in this article the little changes that you should not fail to implement.
Add grab bars in bathrooms
Orthopedic issues are some of the most common complaints that older people have. Even the healthiest of seniors will notice that their bones get weaker and moving around becomes a chore.
The bathroom is a place that you should really modify if you want to safely age in place. Because there will be water, there is a very good chance that floors there will get slippery. Younger people won’t have problems holding themselves up. But older ones need support, and this is precisely what grab bars are for. If they are new to you, these fixtures are installed on walls so that you can easily hold on to them for support as you move around the bathroom.
Get rid of some furniture items
A home looks full and attractive when it is fully furnished and well-decorated. However, having a lot of items inside the house means greater demand for cleaning and maintaining. While exercise is good for seniors like you, cleaning and other similar activities that require you to bend and crouch for sustained periods might be too much, especially if you already have back and knee problems. To minimize the need for home cleaning, you might want to consider sticking with the basics when it comes to furniture. If a sofa and a chair is all that you need, then a sofa and chair should be the only pieces that you have.
Change the floor plan in accordance with your activities
A home should be laid out in such a way that it ergonomically supports the routine activities of the people living in it. If you are spending too much energy getting to places around the house, it’s a sign that there is a need to do some home modifications for seniors, at least as far as the floor plan is concerned. Study your behavior and list the areas in the house that you frequent; these places should be kept free from obstructions.
Keep cords in check
Electric cords that are just left lying around are hazardous because people might trip over them, damaging not only the appliance but also the health of the persons involved. Hence, wires should always be kept out of the way. In doing so, there really is no need for fancy cord organizers. You can just coil long cords, tie them using an ordinary string, and neatly keep them in a place away from spaces where you or your guests usually walk.
If you are unable to continue working due to disability, you will likely be filing for your Social Security Disability Benefits through your state. Keeping in mind that every state has its own rules and regulations for their own systems, there are still several things that can be done by any applicant to help ensure a fair case hearing.
In fact, over 50% of all initial claims for disability benefits are denied. The system is extremely complex and rigid, and can reject your claim based on anything from a typo on your application to missing a documentation deadline. For claimants who find themselves unable to work and bring in any income, the stress of having to cut through the red tape can be very stressful.
If you have never dealt with Social Security before and are unsure of how to proceed through your application process, you should consider talking to a lawyer. There are many firms available with experts that can help you deal with your disability benefits right from the start. Find out more about the benefits of having legal counsel on your side when facing the disability benefits system.
The application for benefits can be lengthy and confusing for many people. With the help of a Disability lawyer you can make certain that your application is error-free and complete. Your lawyer will walk you through each part of the process while ensuring that everything is correct and submitted on time. In some cases, when a Disability application is handed in with errors, your claim can be rejected before it is even considered. Make sure that you give yourself the advantage of legal advice to increase the chances of your application being considered the first time.
They Know The System
When you hire a Disability lawyer you can help lower the stress levels involved in the application process. Your lawyer deals with the system on a daily basis and is an expert in the field. You will be able to confidently go through the process while staying in the loop about what is happening with your claim.
Increase Your Odds For Approval
With more than half of all Social Security Disability claims being rejected on their first submission, you want to have every bit of ammunition in your corner while going through the process. Trying to navigate all of the paperwork and submissions on your own leaves you at much greater risk of rejection. The system is just waiting for any type of error that can allow them to legally deny your claim. Protect your interests by gathering the best team with you to file your application.
When you are already dealing with an injury or sickness that is making it impossible to work, your life can be filled with stress. Just the financial strain alone can be enough to further affect your health in a negative way. When you hire a lawyer to help you file for your Social Security Disability Benefits, you can relax a bit knowing that all of your interests are covered.
If you’re a recently retired homeowner with your mortgage paid off or nearly paid off, congratulations on reaching a major milestone of the American Dream. The years ahead are open for a wide variety of fun and adventure, meanwhile, there’s the security of knowing you always have a home waiting for when you get back.
If you’re planning on living in the same house for the foreseeable future, it might also be time to tackle some home improvement projects you’ve been meaning to have done. But before you get started, it’s important to consider the years ahead; as you get older, mobility will become increasingly limited, vision may deteriorate, and the same can be said for hearing. Home renovation plans put together during retirement should, therefore, incorporate the realities of aging.
Basic home improvement tips for those in retirement:
While seniors need to stay active through regular exercise, they should be trying to cut down on the amount of turning, walking, and other movements they have to do in their own home. For instance, when designing an outdoor kitchen, you want to make sure countertops and cooking elements can be accessed with just a step or two this way or that way. Having to routinely walk several paces, maneuver around islands, and overcoming other obstacles just to make dinner will add up to increased aches and pains over time.
Efficient / No-Hassle Appliances
Another effective home improvement tip is to upgrade your appliances! Avoid the hassle of appliances breaking or not functioning properly and upgrade to modern technology appliances. For example, you can search from a wide variety of washer and dryer sets that range in price, while maintaining your standard of quality.
Invest in security
When retirees think of security, they tend to focus on preventing their identity from being stolen and other forms of wire fraud. However, physical security of yourself and your property remains something to seriously consider when you retire. Now is the time to replace flimsy door and window locks with no-nonsense upgrades. Go further by having motion-detecting live-feed security cameras installed, complete with real-time remote viewing capability.
Walk through the house and scrutinize places where slips and falls are most likely to occur. Common spots include the bathroom, laundry room, and stairwells. If these spaces lack handrails, have some installed. More importantly, make a habit of using them so that in the event you need to suddenly grab one, you reflexively know where to reach.
Think about maintenance
Lastly, it’s important for retired homeowners to think about maintenance when devising plans for major home improvements. A koi pond may sound like a nice touch to add to the backyard landscape, but are you game for the sometimes labor-intensive responsibility of looking after one? Consider how you will be able to keep up with maintenance as your body continues to age. If it seems like it would be too much of a challenge to meet the minimum requirements for upkeep, it’s probably best to pass on the project.
Newly retired homeowners are in a position to fulfill the home improvement projects they always dreamed about. However, they ought to be factoring in their aging into the decision making process.
Everyone has to get older, it’s just a part of life, but the days when senior citizens sat in their rocking chairs on the front porch and waited for their time to come have long been a thing of the past. Today, seniors are active, foster relationships, and are happy and going strong, well into their later years. That is, most seniors do. There are senior citizens who are not active and spend the majority of their time alone, which can lead to a whole host of problems. Read on below for a few of the top problems senior citizens face when they are not active and live alone.
Prescription Drug Abuse
One of the ever-present dangers of senior citizens living alone, with little contact with the outside world, is the very real possibility of prescription drug abuse occurring. Not just from the depression that could set in, but from forgetting whether they have taken their meds that day or not. If you feel that your elderly loved one is abusing prescription drugs, then please contact a facility like Windward Way Treatment center for help. They are dedicated to helping your loved one get back on track.
Depression From Isolation
Even for younger people, being alone for too long can lead to severe depression due to isolation. The feelings of solitude, depression, and worthlessness can go unnoticed when senior citizens live alone, increasing the chance of and thoughts of suicide. The best way to ensure your senior is not depressed is to have contact with them every day and encourage them to get out and socialize with their friends.
A Higher Chance of Elder Abuse
When a senior doesn’t have contact with the outside world often, the instances of elder abuse tend to be greater. If you have someone who stays with your loved one all of the time, but that is the only contact they have with the outside world, you don’t really know or see the symptoms of what could be happening to your aging parents or grandparents. Seniors who are active and out and about as much as possible are less likely to be abused and more likely to report it if they are.
Greater Risk of Falling and Not Being Found
When your loved one lives alone, there is a much greater risk of them falling and no one finding them right away. Even if you check on your elderly parent many times a day, it’s still better to have them not live alone if at all possible.
What Can You Do?
There are many ways that you can keep your loved one from living alone as they age. One way is to move them in with you, another is to hire in-home help, though you still need to be vigilant about checking in on your aging parent every few hours. One of the more popular options today is moving your parent into a senior living community, where they are not alone and can remain active by socializing with their peers while still having some independence.
If you are open to different experiences, you must have tried online tools of communication where you randomly meet people and talk to them. If you have not tried this possibility, you cannot even imagine how many doors the digital world opens to humankind nowadays. This is not only in terms of business, start-ups and service solutions, but also about people and their relationships. One of the most priceless things on the Earth which we tend to underestimate is communication.
Those who have already been in contact with online tools, the so-called random chat, will eagerly state their experience to be unpredictably good and exciting. If you are still brand-new to all this chatroulette hype, we have prepared a few tips and hints on how to make true friends and why random acquaintances can impact your life significantly or maybe even change it drastically. Even though this tool works not for everyone, it is definitely worth trying!
All Ins And Outs Of Making Friends Digitally
If you are looking for some new experiences and life feelings, getting to know new people will definitely be the panacea. Whether you want to visit someone on the Couchsurfing, go abroad to study or simply log into the chatting site, as a social being you are looking for the same thing - connecting with unknown ones, their perspectives, and life-changing experiences.
Here is our top advice on how to get those mentioned above in the digital world without the need of leaving one’s house:
All in all, even if our world becomes more and more complicated and hard to survive in, there are always new ways for a person to make connections and realize social needs of communicating and belonging to a certain community. This can perfectly be done with the help of digital tools and websites for random acquaintances!
Like it or not, investing isn't as easy as it used to be. Even finding a simple return on a cash investment can be much harder than it once was. Whether you're looking to invest a hundred dollars or $100,000, finding a sure thing can be difficult. We're going to look at how to find a good investment in these difficult financial times, so that you’re in a better position once you get to retirement.
Before investing, you're going to have to decide how adverse to risk you are. Obviously, more risk can equal better returns - but you might be able to find a sweet spot between how much you're willing to lose and how much you could gain. As with anything, make sure you only invest an amount you're happy to lose unless it's a guaranteed investment. Gone are the days where you can make huge returns on your investments with little risk - but there is still money to be made.
Once you've worked out how much you can afford to lose, you'll next need to find the right investment for you. Many people like the security of fixed-rate interest bonds or other solid investments. Yes, the interest rates may be lower than they used to be - but you can still make a good return on your money with very little risk.
10% yields are a thing of the past for simple investments like this. Nowadays, you might be happy to get 3%. Bear in mind, however, that these sorts of investments, in simple savings accounts with reputable banks, are much more secure than any other investment. Yes, you won't get rich, but you should be able to let your money grow securely.
Investment funds have taken a lot of criticism in recent years, but they can still be a great way to grow your portfolio. Many funds claim to offer up to 20% yearly returns on your investments. They also come with much bigger risks when compared to traditional investments.
Make sure you research each fund extensively. Don't go on the recommendation of a friend or someone you met at the golf club. These investments are riskier than some, but they can bring you bigger gains.
Even with the recent troubles in the mortgage industry, real estate has always been a good place to put your money (especially if you can pay in cash and avoid the fluctuations of mortgages).
The great thing about property is it does normally go up in value while giving you a decent yearly yield on your investment. Yes, you might not have made much money if you bought a property in 2007 before the cash, but if you bought it five years earlier you should still be doing fine.
For more information on the best way to invest 1000 dollars, you can do some further research online.
If you need a bit more help with your investment plans once retired, check out 401K Administrators for a wealth of information. Retirement shouldn’t be stressful, and if you’ve made the right investment decisions in the years prior, you should be in as good a place as possible financially. That’s why the right financial investment is so important, even if you’re decades from retirement. As long as you get the right investments in place early, you should see the benefits for years to come.
Humans are social creatures. Even the most introverted among us are bound to have a few close friends and loved ones. It’s therefore no surprise that as you enter retirement, maintaining strong relationships will prove critical for achieving ongoing happiness and fulfillment.
Here are just some of the ways in which strong relationships are important for those in retirement
Staying Out of Trouble
If you’ve worked hard your entire adult life and are fortunate enough to reach retirement, the one thing you may not be prepared for is the abundance of free time at your disposal. While it may seem like a dream come true at first, someone with more time than they know what to do with can easily find themselves getting into trouble, often at the expense of their health. Maintaining strong relationships with friends and loved ones helps to keep you occupied in retirement, and less likely to engage in bad behaviors.
Take substance abuse for example. Professionals working with older patients in outpatient rehab in San Diego and other cities with growing rates of addiction among the elderly note the outcomes are much more likely to be positive if the individual is going home to live with a spouse or family member versus living alone. In fact seniors who live alone and/or who aren’t maintaining strong relationships are probably more likely to develop a substance abuse problem in the first place.
Feeling Wanted and Needed
People want to feel valued, that their existence means something, and this sentiment only grows stronger as we grow older. However, as our kids grow up, our careers wind down, and our looks begin to fade, we find ourselves seemingly wanted and needed less than before. This can contribute to depression and other mood disorders developed in our retirement years.
Maintaining strong relationships where we are wanted and needed doesn’t have to necessarily include other people; owning a pet provides a similar outlet for fulfilling our sense of purpose. In fact in cases where an animal requires special attention, such as daily medication for preventing dog seizures, the bond between owner and pet can become especially strong.
Retirement age is a time when we begin to slow down both mentally and physically. In some ways this is a welcome change, especially for those coming off of demanding careers, but it can also prove detrimental to your health. Without ongoing activity, your muscles will atrophy while bones and joints will become more prone to injury. Similarly, a mind which is not routinely exposed to new ideas and new experiences will lose its sharpness.
It’s imperative for those in retirement to maintain strong relationships in order to achieve a healthy level of physical and mental activity. Meeting up with friends for a weekly night of bowling, joining them for a morning cup of coffee, and similar social activities will keep you on your feet and more importantly, able to think on your feet as you grow older.
Whether we realize it or not, anyone who has lived to see six or more decades is a rich source of knowledge and wisdom. This is achieved by virtue of experience.
However, all that knowledge and wisdom is lost if a person is unable to pass it onto others. No one lives forever, at least not yet, and it’s therefore important to maintain strong relationships in order to ensure you’re able to teach important life lessons to grandkids and others which have an influence even after you’re gone.
Retirement is a time when we’re allowed to take it easy and go do the things we always wanted but never had the time to get done. But it’s also a time to strengthen the relationships you already have, as well as build new ones wherever and whenever possible. Doing so not only improves your quality of life, it makes it a life worth living for many years to come.
10-15 hour work days, piles of work with little support, few resources and lots of competition. This about sums up the life of an entrepreneur - especially in the beginning stages of business. They have the passion and dedication to work really hard to bring their dream to fruition, but with limited finances and support, most small business owners are under a lot of stress. In an effort to make it to the top, these strong-willed professionals work themselves into a hole. If they’re not careful, it could lead to a host of health problems. Including those listed below
Mental Health Problems
At the top of the list of health problems that entrepreneurs are at risk of getting its mental illnesses like depression, anxiety, or chronic stress. Trying to run a business takes an emotional toll on you. The frustration of a heavy workload, the pressures to succeed, and the pure embarrassment of failure can cause individuals to feel extremely anxious or overly saddened by it all.
Being an entrepreneur is for the strong-minded. You must learn how to balance your emotions so that they don’t take control of your life and the success of your business. Find time in the day to do something that has nothing to do with business as a means of unwinding. When you have an especially stressful day, make a mistake, or feel undue pressures to succeed, try to recenter yourself with meditation, journaling, or therapy.
Often going hand in hand with mental illness, entrepreneurs are at an increased risk to suffer from addiction. This addiction can be to a substance like drugs or alcohol, or it could be to a behavior like working or gambling. In an effort to numb the pain, overlook the problem, or push through the madness, entrepreneurs may turn to negative substances and behaviors.
If you are showing signs of substance dependency, addiction, or engaging in reckless behaviors, you should seek help right away. Most addictions are complex in that they are a direct result of mental and physical aspects. Treatment options like rehab, group therapy, or addiction counseling treat the addiction and underlying cause to help you learn how to cope with the many pressures and emotions of running a business.
It’s not uncommon for a novice entrepreneur to find themselves struggling with a sleep disorder. Suffering from pain or dealing with the anxieties and stress of running a business can keep you awake at night.
If you’re having a hard time getting to sleep, this isn’t good for you or business. Lack of sleep eventually leads to a decline in concentration, focus, and productivity. Not to mention it weakens your immune system, decreases your energy levels, and puts you at risk for a number of health problems. Contact your doctor for remedies to help you get to sleep. If they prescribe medication like Ativan, however, be sure to use only as prescribed as they are easy to become addicted to and will require you to enroll in an Ativan detox program to get clean.
From migraines due to stress and backaches due to sitting at a computer desk all day, an entrepreneur’s body is put through the ringer.
Body aches can often be avoided or at least completely reduced with a few simple tips. For starters, get up from the computer screen every few hours and stretch. This gives your limbs and eyes a break from sitting in the same position. Posture is also important when your desk involves sitting for hours at a time. Make sure that your feet are planted on the ground, your shoulders are back and you’re not slouched over. Lastly, working out and getting massages can help to get rid of that tension from stress.
This is only a few of the health issues that can come up for entrepreneurs. From high blood pressure and executive burnout to increased risk of diabetes and heart disease, their health is put to the test on a regular basis. To ensure that you remain healthy it is important to take care of yourself. Eat clean foods, get plenty of rest, find ways to reduce stress, and when necessary, get help when you need it. It may not seem important now, but taking care of yourself as an entrepreneur truly is the key to success. Essentially, if you’re not your best self, your business can’t reach its fullest potential.
No matter what industry you’re in – from politics to fashion to marketing or more— if you’re working with a team, there’s a clear-cut formula ensuring that it’s successful, on track, and well managed. It takes a lot of different skills to build a great team, and although every single team is different (varying from the people involved, the industry type, and the end purpose), the formula for running a successful team is largely the same.
It takes leadership, dedication, and of course, some careful strategy in order to keep your team on track, focused, and in sync. But what does that entail? We’ve got you covered! Check out some of the leadership and team skills that we’ve learned from VeryVoga and JJ’s House – two successful, team-oriented fashion companies.
Setting goals is going to be a vital component to creating the most successful team possible. Before you can work on other team skills, you and your team need to be on the same page in order to understand what you’re hoping to accomplish. Work with your team on building up their communication in order to effectively create the goals the entire group is working toward. Try having a brainstorming session where you get the whole team involved – does everyone understand the main goals you’re working toward? Does everyone know exactly how the team plans to get there? Accomplishing this, before any other type of strategy, is going to be crucial to your team’s success.
Use Team Building Activities
A team that doesn’t get along, trust each other, and know how to work together is a team that likely won’t succeed in any endeavor they choose. If a team can’t work together, then they’re not a team at all – they’re simply a group of individuals all in one place. Try using team building activities to get your group bonded and thinking like a team. Lots of teams try things like challenge courses, ice breaking games, and even trust building activities. These get your team thinking, working together, and most importantly, teach them to trust in each other abilities.
Equal Bonus Opportunities
Because you want your team to understand that their success comes from working together, ensure they understand that equal bonus opportunities are in place for the team who works the hardest. Let the bonuses you plan for you team reflect the company’s definition of success for the entire team or entire group performance.
If you’re the leader of the team, it can be hard to relinquish your role, but if you’re hoping to build a team of strong thinkers and hard workers, you’ll need to encourage leadership. Teach your team that, although you’re the one in charge of encouraging success, group leadership isn’t a bad thing. Reward members of the team who take charge in a positive way, get them working hard together, and ensure they know that you support their strides toward leadership.