The internet has opened a whole new world for money-making opportunities. These days you don’t only have the option of working a part-time or full-time job in order to make income. Instead, the internet has created all sorts of new options for people to make quick cash.
Keep reading to learn about 5 creative ways you can put more money in your bank account.
1. Use Paribus
Product prices fluctuate on a daily basis, and while you may have waited to purchase an item at the lowest price possible, there’s always a risk that the price may decrease even more after you make a purchase. When this happens, you have two options. You can return the product and repurchase it for the lower price, or you can ask the retailer to refund you the difference between the two prices.
But, keeping track of prices after you’ve purchased something isn’t realistic. It also isn’t a simple process to have the price difference refunded to you. To make the process of price difference refunds even easier, you can use the app Paribus. The app looks at your email receipts and keeps tabs on items that you’ve purchased and their current price.
When a price drop is found, Paribus sends you a real-time alert. The app also starts the refunds process for you so that you can quickly get the money you deserve. If you’re not yet convinced, just read Paribus reviews and learn about the tens of millions of dollars that the app has saved consumers.
2. Sell Items You Don’t Need
We’re creatures of habit, and over the years, instead of cleaning out closets and getting rid of things we don’t need anymore, we tend to hold onto them. But, this causes clutter. Though it can be hard to get rid of the things we’ve held onto for years, you can make serious money by getting rid of clothes, electronics, and even jewelry you don’t wear anymore.
Selling things you don’t need anymore is one of the quickest ways to make money. You can hold a yard sale in your community or post the items online. As you sell items, not only are you able to make money, you can also free up space in your home. De-cluttering while increasing your income is a true win/win.
3. Watch Videos
Americans watch millions of videos a day, so chances are you partake in this time-wasting task. But, what if you could make money by doing something as enjoyable as watching videos? In reality, you can! Sign up for Swagbucks and get paid for watching selected videos. The site offers hundreds of videos on various topics such as food, hobbies, sports, parenting, and much more.
What’s great about Swagbucks is that the site also pays you for other easy tasks such as taking surveys and searching. These are all things you already do on a daily basis, so why not get paid for doing them?
With Swagbucks, you earn points that can be redeemed for gift cards and cash. The more points you have, the more money you can cash out.
4. Become a Freelancer
Do you like writing? Do you know a little bit about digital marketing and search engine optimization? If so, becoming a freelancer is a great way to pull in some serious cash. Online there's an endless amount of freelance work. If you dedicate enough time, you can make thousands of dollars a month. This is especially true if you land a big client.
As a freelancer you can find jobs for:
5. Become a Driver
Your car doesn’t have to be a money-sucker. Instead, you could use it to your advantage by becoming a driver for one of many companies. You can choose between Uber, Lyft, Instacart, GrubHub, Doordash, and many other options. Uber and Lyft are ride-sharing companies while Instacart, GrubHub, and Doordash all put you in control of delivering food to customers.
By becoming a driver, you have total control and flexibility over your schedule. You work when you want and for as long as you want. Obviously the more you work the more you make but, the key to a side hustle is making it work for your schedule.
Thanks to the internet and our ever-connected world, there’s no shortage of ways to make money. From working as a driver to creating online content, if you need to increase your cash flow, you can easily do just that with these simple tips.
Whether it's a dog, a cat or something more exotic, it's easy to fall in love with a new four-legged friend. Maybe your child has been asking for a pet for years, and you think they're ready to take on some responsibility. However, before you bring someone new into your family, it's important to make sure that you have the budget to handle looking after them.
Preparing your budget for a new pet isn't as simple as just figuring out how much you're going to have to pay for their food each month. There are other expenses to consider too. Here are some tips to help you.
Think about the Adoption Fee
Most of the time, it costs to adopt a furry friend into your home. If you're getting your dog or cat from a breeder, then you're likely to pay a much higher price than you would if you looked for a pet at a rescue shelter. That's one of the reasons why it's such a good idea to look for your dream pet at a shelter before you go elsewhere.
Picking a pre-loved pet to bring home with you is a great way to give these animals a second shot at happiness while saving some money. Some shelters will include extras in your adoption fees, such as spaying, neutering, and vaccinations.
Speaking of things like spaying and neutering, you should always make room in your budget for vet bills. If you're lucky, many of the major expenses of adopting an animal will be handled for you by the shelter, but if not, you're going to have to put cash aside for everything from micro-chipping to licensing. Additionally, even if your pet has all their shots, they'll need to go to the vet from time to time, just like a human being needs to go to the doctor.
Remember that a visit to the vet can cost thousands of dollars depending on what kind of support your four-legged friend needs. With that in mind, many people find that it's a better idea to get insurance to help them handle bigger expenses.
For the most part, pet insurance is an "added extra" on the list of essential expenses that you'll need to address when getting your new furry friend. However, it's worth noting that it's often a lot better to pay twenty dollars a month for insurance than to shell out thousands if your cat suddenly comes down with an illness that needs treatment.
Remember, when you're looking for pet insurance, you should compare your options, just as you would with any investment. You wouldn't get a loan without looking for the cheapest interest rates, so don't get pet insurance without checking out your premium options.
Feeding your pet will be an ongoing expense that you need to think about when you're looking at your budget. Feeding a cat can be a lot cheaper than feeding a dog, but it will depend on the breed that you decide to get. Some specific kinds of cats and dogs require a very specific diet to keep them healthy, so make sure that you take this into account when you're deciding who to adopt.
It might also be worth thinking about treats and other "added" expenses that might go into your food budget too. Treats are particularly important if you plan on training your pet. For puppies in need of behavioral training, they're a must-have.
The supplies that you need to support your new pet will depend on the kind of animal that you get. Cats need nail clippers, beds, collars, litter boxes, and food bowls, while dogs need leads, leashes, and sometimes a crate too. There's also things like grooming supplies to think about too.
If you have any places in your home that you want to remain "off-limits" to your pets, then you will also need to invest in gates and locks to make sure they can't access that area.
Finally, a complete budget for your new pet also needs some consideration of toys and entertainment options too. Cats are easy to entertain with plenty of random things around your hats, including cardboard boxes and mats. However, it helps to get them a scratching post if you want to save your furniture.
Dogs often need a few more toys than cats to keep them busy when you're away from the house. Make sure that you stock up on things that they can safely bite and chew.
Parenting is a precious job that can be demanding. Often, we as parents feel overwhelmed. Alcohol is a
quick and convenient escape away from the steady attention that children need. Drinking can appear as an aid to help us cope. The question does arise about the real truth concerning mixing alcohol or drugs with parenting.
What Does Your Child Experience?
Children live in a world where they instinctively see their parents in a way that shapes their world. Parents are the go-to for everything. The kids do not see your needs or desires. They need what they need when they need it. Children do not understand the energy you put out when you are working either in the home or workplace.
Everyone has good and bad days, including the kids, but they may not be aware of yours. When parents drink or take mood-altering drugs, all the children experience is you pulling away from them. The kids depend on the parents for security. When they experience your drinking or the effects of the drugs, they sense that you are less available for them. A sober parent may be tired at times, but the children know you are there for them.
Being real with the kids is the key to successful role modeling. I am not suggesting parents dump their
adult challenges on them. What I am saying is the kids are watching the parents respond to their issues. This set of parents are laying the groundwork for the next generation. The kids are watching the parents responses by how they solve the problem, the way parents present the solution and the reaction from others to the solution.
Drinking and drug use can present a false picture of the way the parent would handle an issue if they
were sober. Being under the influence portrays that the way the parents respond does not have to be
consistent, which in turns devalues the issue and the response. Misunderstandings can escalate an
otherwise simple, straightforward resolution. Serious problems may be downplayed when the parent is
not sober. Children are relying on the parent to show them how to handle problems in a consistent
Children need positive constructive consistency in all aspects their lives. They are looking for the parent
to provide a structure that they can depend on. The kids want to know that they are loved and come first in mom and dad's life. Being under the influence can destroy the consistency of everyday family life.
The weekend can be a problem if the parent makes it a habit to binge. Sure, the kids may be in bed on
Friday night when you open that bottle of wine, roll that joint, or start on that six-pack, but it is the
hangover the next day that affects the kids. This is the time they are looking forward to family time
together while the parent is dealing with a hangover and just want to be left alone. A sober parent will
be there for them, ready to work and play together.
Kids Need To Know They Are Not The Problem
Kids and parents will not always agree. There are times that they require structured discipline. It is
necessary for them to learn to make good choices. If they are loved, the discipline will be a bonding tool. When the parent drinks or takes drugs, the child begins to wonder if coming home to them is a problem. The child will begin to doubt their worth to the family or the parent.
By staying sober, this concern will not arise. Even though there may be differences between the children and their parents, the kids will not think that the parents are trying to escape them or not care about them. The child's self-esteem can be damaged.
Alcohol and drugs are expensive. Even if you have a comfortable lifestyle, the time and money spent on drugs and alcohol could be going toward family use. Think of vacations together, college funds, and
home upgrades. Show the family that they are the most important part of your life. Be there for them
every moment of every day.
To learn more about drugs and alcohol addiction, please visit The Recovery Village website.
Debt is no stranger to most people. In fact, almost 82% of millennials are in debt. However, debt
isn't just for the younger generations either. More than 80% of baby boomers are also in debt.
While it’s somewhat comforting to know that you aren’t the only one facing debt, don’t let this
keep you from taking the steps needed to begin digging yourself out of the financial hole.
Keep reading to learn 5 effective steps in paying off debt. In just a few short months, you’ll find
that you’ve made significant progress in paying down your loans and credit cards
1. Prioritize Your Debt
Chances are you have a variety of debt. Most people have student loans and credit cards along
with a mortgage and a car payment. In order to pay off your debt effectively, it’s important to
have a plan of attack. Start by prioritizing your debt.
There’s no wrong or right way to prioritize debt, but there are two preferred options. The first
method is to pay off highest interest rate debt first. This typically includes credit card payments
and personal loans. By paying off this debt first, less of your money will go towards interest over
the life of the loan.
The second option to prioritize debt is to pay off the smallest debt amount first. If you have a
credit card with a $1,200 balance, you can likely pay it off in a just a few payments. This is a
quick way to have more money to put towards higher debt amounts.
After prioritizing your debt, you can also use tools like a debt payoff planner to help you to
manage when payments on due along with a projected schedule of when a certain loan or credit
card will be paid off. By using a debt payoff planner, you’ll have visual goals to work towards,
making it much easier to stick to your payoff plan.
2. Always Pay on Time
Another critical tip to effective pay off debt is to always pay more than the minimum. Paying just
the minimum amount due won’t get you anywhere if you’re serious about tackling your debt and
wiping it out for good. While you may not be able to afford to pay double the amount due on all
of your debt, even the smallest amount can have a big impact on your debt amounts.
Before determining how much to pay towards each debt, it’s helpful to sit down and make a
budget. Write out all of your monthly sources of income along with bills and debt payments.
With the money you have left over, you’ll want most of it to go towards the highest priority debt.
From there you can put extra money towards other debt payments.
4. Minimize Spending
To ensure you can pay more than the minimum amount due, it’s important to find ways to
minimize spending so that you’re able to put more money towards your debt and less towards
day-to-day costs. Some effective ways to minimize spending include:
money left over each month to put towards your debt. Once you have a good handle on your
spending habits, you may even find that you have money available to put into a savings account
or towards an emergency fund.
5. Increase Your Income
Another effective way to pay off your debt quickly is to fund ways to increase your monthly
income. Do you have items in your home that you no longer use? You could hold a yard sale or
sell them on eBay to make cash while also freeing up space in your home!
Do you like to write and know a little bit about marketing? You could apply to become a content
creator or social media marketer for clients.
The key here is to find an activity that doesn’t take up too much time but also allows you to
make a little bit of money. By increasing your cash flow each month, you’ll have more funds to
put towards debt payments.
Paying off debt without a plan of attack isn’t likely to succeed. Use these 5 steps to effective pay
off your debt and to start enjoying financial security and freedom.
Genealogy is about more than simply tracing your family tree. It’s also about discovering your true heritage, piecing together your family’s story, and maybe even about creating a family medical history. Discovering all about your family is an opportunity for learning as well as a hobby. It can take you across continents and through time.
Most people who research their families will start with their parents or even their grandparents and move back in time from there. For example, if you want to research your Jewish American Genealogy you should visit GenealogyBank and start your journey. You might be surprised at how easy it is to find out your family history and potentially connect with a few members that are still alive.
Records Are Important
Tracing your family heritage will give you exposure to quite a few different types of personal records. What you’ll find in these might surprise you. As an example, death records will give you clues to any sort of prominent illnesses that might be present in your family tree. Death records that are older might also have causes of death that aren’t typical, which then gives you interesting information for your family stories.
Baptism and birth records will also tell you quite a bit about people, including who was present when they were born. These clues can then assist you when it comes to finding those obscure people in the family who don’t appear anywhere else. Wills and land records can also contain important information regarding the people your family dealt or associated with while they were alive.
It might not be too surprising to find that many of these types of records will involve in-laws that you’ll now be able to trace with ease. Records of this nature also hold correct information regarding how names were spelled as well as birth dates and places. Family stories and lore might have one way the story goes, but the actual records will have the truth of the matter.
A Few More Reasons
Genealogy is a task that’s quite important for everyone. It gives you a way to bridge a connection to the past while also building a future. Genealogy can give you a better sense of your roots and create a sense of familial pride.
Turning 65 is a big day in the lives of most Americans. If you worked and paid Medicare and
Social Security taxes, you’re able to retire with full Social Security benefits, and you’re eligible to
enroll in Medicare.
If you’re about to hit that retirement milestone, here’s what you need to know about your
Medicare eligibility and benefits.
Who is considered eligible for Medicare?
The rules for Medicare eligibility are pretty simple. You are entitled for full Medicare benefits,
including premium-free Part A, if you are an American citizen or permanent legal resident of at
least five years, and one of the following applies to you:
have to pay Part A premiums, which may be as high as $437 in 2019, along with your Part B
Is my spouse eligible for Medicare when I turn 65?
Medicare is individual insurance; you can’t cover your spouse or dependent children under your
policy. Your spouse will have to get health insurance through an employer or other plan until he
or she reaches 65 and enrolls in Medicare.
Do I have to enroll in Medicare when I turn 65?
If you don’t enroll in Medicare when you first become eligible, and you go without health
insurance coverage, you’ll pay a late enrollment penalty with your Medicare premium when you
eventually enroll. This penalty never goes away, you’ll pay it as long as you have Medicare
If I’m still working at 65, do I have to enroll in Medicare?
That depends on the size of your employer. If you work for a company with 20 or more
employees, you can delay Medicare enrollment as long as you are working and/or you have
health insurance through that employer.
When your employment or health insurance coverage ends, you have a special Medicare open
enrollment period of eight months. If you enroll during this period, you won’t pay any late
Note, however, that for Medicare’s purposes, only coverage through active employment counts.
If you are using COBRA to get health insurance from your employer, you can’t delay Medicare
enrollment without penalty.
If you work for a small employer, your employer may opt to end your group insurance coverage
when you become eligible for Medicare. In this instance, you must enroll at age 65 and
Medicare becomes your primary insurer. Your employer may allow offer some supplemental
retirement insurance benefits that work with your Medicare benefits, but these become
secondary to Medicare. In other words, if you don’t enroll in Medicare, your employer’s plan
doesn’t have to cover any of your health care costs.
When we are younger, we can get away with a lot of abuse to our bodies. Our systems are robust, and the body has a very powerful ability to repair itself. But as we edge closer to retirement, the damage begins to show in life-threatening ways. This is especially the case when it comes to prolonged use of tobacco products.
Just about everybody knows the dangers to health caused by smoking, so we aren’t going to go over them in too fine a detail. What’s important is knowing your heart, lungs, skin, and other vital organs will thank you if you give up the habit for good.
What’s more, those approaching retirement age need to stop and ask themselves if smoking is worth it if it means cutting their lives short. You’re saving and planning for retirement, wouldn’t it be a shame to never get to enjoy it?
With this in mind, here is some worthwhile advice for those who want to stop smoking in order to look forward to retirement:
While mostly associated with millennials and college students, vaping is a healthier substitute to smoking which can be enjoyed by people of all ages. The best e liquid brands sold in stores and online still contain nicotine, but at adjusted concentrations and without all the toxic byproducts generated by smoke. Better yet, vape juice comes in an almost endless variety of flavors, which can’t be said for traditional tobacco products. Being completely free of addiction should be the ultimate goal for everyone, but vape provides a crucial stepping stone towards that final stage, one which is significantly safer than cigarettes and other smokables.
The Modern Medical Aids
There are medications used for quitting smoking for good. Bupropion is great because it can help to combat depression and it can mitigate the unpleasant side effects of nicotine withdrawal. Varenicline is another common prescription used to quit smoking. More popularly known by its brand name Chantix, varenicline limits the pleasure response to the nicotine which can help you to disconnect from the mental side of the addiction.
Digging the Mental Trench
Use these tools if you need them. However, for most, this isn't the main issue. It is your relationship to the cigarette that needs to change. In those dark moments, you wage war with the past, present, and future. Your associations with these will determine your success. You must treat this as an MMA fighter. In a fight, willpower means nothing if the fighter hasn't trained their preconditioned responses. Mental repetition is needed to build the necessary instinctive reactions. Those gut-level reactions hold the key to your freedom.
Dr. Joe Dispenza, an established neuroscientist, travels across the globe to teach individuals how to precondition their minds for financial, emotional, and habitual success. How do they do this? It’s called meditation. Yeah, you've heard this before, and no, it shouldn't surprise you. Our memories are pliable and we can pull them out and reprogram them. We can also simulate future experiences and our desired reactions. Recent research has shown that the body cannot tell the difference between meditating on experiences and actively living those experiences.
That means that we can establish patterns of success by mentally simulating those moments and their successful outcomes. It digs the trench, a path, that makes your mind susceptible to following the correct course of actions that create success. Try it out, and you will see results. Each morning, set your doubt aside for twenty minutes. Run through those dark moments, and let yourself feel the emotions, sensations, and the thoughts that commonly run through your mind at those times. Now, picture success and enjoy it. See yourself at the point beyond that craving. This may seem silly, but it has been hugely successful for many people.
There are more treatments available to you than those listed. I hope that these tools help you to live the life that you seek. You can recover your health. As long as the heart beats you can work towards recovery. Making it to retirement is entirely possible, and you will enjoy the rewards that a lifetime of work brings.
In autumn and winter, it is especially important to provide the body with the right amount of energy. How to do it in this difficult period are suggested by our experts, which are telling us their ways for being healthy in autumn.
The Right Diet for Cold Months
In autumn and winter, it is especially important to provide the body with the right amount of energy. However, it should be remembered that this is not done by eating more calories in meals – advise our expert.
It is also improper to limit cereal products in meals, thinking that in this way we care for the line in the autumn - adds another dietitian - when the body, does not receive the right amount of energy from food, will demand more food, so we can achieve the opposite effect and take on on weight. Remember that in accordance with nutritional recommendations, cereal products, thanks to the high content of complex carbohydrates, should constitute for us the main source of energy in everyday nutrition.
Cereal products should be found in every meal during the day and should be the main source of energy.
What's the matter with this energy hidden in cereal products? Every cell of our body needs regular supplies of nutrients. Our body cannot function properly unless we also provide it with regular energy - it is necessary to maintain a constant level of glucose in the blood.
Complex carbohydrates, included in cereal products, they are the best source of energy because, subject to gradual metabolic changes, they help the body maintain a constant recommended level of glucose in the blood. If we understand these relationships - the professor notes - the fact that each of our meals should contain a portion of cereal products becomes clear. The complex carbohydrates contained in them are gradually absorbed by the body, and this makes it easier to maintain - repeat it again - the recommended glucose level and guarantees an even supply of energy. This energy is priceless. The body uses it to work the brain, breathing, work of the heart, so-called basic metabolism and physical activity - says the dietitian. And the professor adds - The fact that cereal products break down slowly in our body, giving energy for a long time, is an extremely important issue because we feel saturated for a long time.
What, then, do you Eat when there is Cold, Rain, Rain and Snow Outside, and we have Absolutely no Energy?
Above all, we increase the amount of warm meals and we make sure that their products are always cereal products. On the “healthy plate” products, such as pasta, cereals and bread, occupy one of the most important places. This should be taken into account especially in autumn and winter, when there is a greater demand for energy.
Eating cereal products, let's not forget that the principle of a balanced diet is diversity, because each of the product groups has a different function and complement each other. The second group of products that should not be missing during the day are vegetables and fruit. In the autumn and winter season we have a huge variety of all kinds of vegetable and fruit preserves, including silage - cucumbers and cabbage, treated as taste components, rich in high amount of vitamin C.
We adhere to the principles of diversity every day, regardless of the time of year. What does it mean? Add braised vegetables or a portion of meat to the pasta and, for example, sauerkraut salad. Eat porridge or cereal with hot apples and plums and a portion of butter. Let's put a slice of bread smeared with butter, favorite additions, for example a slice of meats or cheese and some vegetable, even a pickled cucumber. For a second breakfast or an afternoon snack, we can quickly eat a slice of bread with cottage cheese and crunch a raw carrot. I recommend especially whole-wheat bread, rich in fiber, which in the colder months we need more, because usually we move less – says the expert.
Let's Start with Breakfast
Breakfast is the most important meal of the day, but in autumn and winter this fact is even more important!
In the cold months the breakfast should be even more generous than usual and additionally warm, because we are exposed to cold and we need much more energy. We can eat, for example, a bowl of hot vegetables, preferably steamed or stewed with the addition of favorite spices, and add a slice of wholemeal bread with butter or a breadcrumbs. A good solution is also a bowl of cereal with stewed apples or a hot mousse of dried fruit. In the morning porridge works perfectly (it can be cooked the day before), seasoned with favorite herbs, butter, vegetables or a sliced and heated slice of cold meat or melted cheese.
To understand why breakfast is the most important meal of the day, and regardless of the time of year, we have to go back to the night hours when we sleep deeply. During sleep, our brain uses up to 25% of all glucose consumed by the body during this time. Therefore, in the morning her blood level decreases and when we do not eat breakfast and do not provide a fresh portion of energy, our concentration decreases, especially in autumn and winter, when the energy demand is much higher. Let's try to imagine - the professor urges us - how we function when we have weaker concentration, what happens to us behind the wheel, at work, at school - everywhere, wherever we go in the morning and whatever we do.
We should eat more often, but less - the validity of this principle can be seen during the cold months
The research showed that long breaks between meals mean that we also have lower productivity - adds the dietitian. Therefore, when we eat less, but often, we feel an unflagging level of energy and it is very beneficial for our body, especially in cold months, when we use additional forces to fight the cold.
In autumn and winter, change the type of drinks you drink
In addition to warm dishes, in the autumn and winter it is also worth taking into account hot drinks, which also warm us. A good idea is tea with herbs and fruits. To make herbal tea, for example, chamomile, lemon balm or yarrow, or fruit I mean raspberries, hawthorn, blackberries, apples, chokeberries or black without - says the professor - we can add lemon juice, honey or various spices, for example cardamom, ginger or cinnamon. Such warm liquids, drunk before a meal, blend in well with warm dishes prepared on the basis of cereal products.
Taking medication is an integral part of illness recovery and maintaining health. Depending on
your condition, there can be serious consequences to missing or mis-timing a dose. But we’re
only human, and humans sometimes forget. Some medications even require a very specific
schedule, such as “take before bedtime” or “take on an empty stomach.” Here are a few quick
tips on how to remember to take your meds.
1. Associate your meds with a routine.
If you take a certain pill in the morning, put it next to the mug you use for your morning cup of
coffee, or next to where you sit to read the paper. That way, you’re guaranteed to see it on
your morning routine and be reminded to take it.
If you take a pill right before bed, put it on your bedside table, next to the last lamp you’ll turn
off before going to sleep. If you take a pill at lunchtime at work, put the pill inside your
2. Set an alarm.
Set a good old-fashioned alarm for when you need to take your meds. For multiple alarms and
maximum flexibility, use the clock function on your smartphone. You can customize different
alarm tones for different meds, or even record yourself saying “take your pills!” as the alarm
3. Use reminder products
There are plenty of nifty products out there designed to help you not miss a pill, such as daily
pill containers and dispensers.
4. Have a back-up.
Keep a few extra pills in your purse, car, or at work. There are also little container keychains you
can attach to your keys so you’ll have an emergency set of pills if you suddenly remember you
haven’t taken them.
If missing a dose is a serious issue for you, talk to your doctor about making an emergency
back-up plan. Don’t assume that you’ll be perfect and take your drug correctly every day.
Planning for irresponsibility is part of being responsible!
5. Ask for help.
Letting someone else know about your medication schedule gives you a failsafe. Two heads
remembering are better than one! Preferably, this would be someone you live with or spend a
lot of time with every day, such as a partner, family member, or colleague.
Need affordable, regular drugs? Get them shipped to you!
Medication in America is expensive. If you’re struggling to afford your pills, consider buying
medicine online from a Canadian pharmacy referral service like Rx Connected. Rx Connected
sources prescription medications from reputable international and Canadian pharmacies whose
products have met stringent safety standards. Ordering online may also help you worry less
about remembering to take the trip out to a local pharmacy for a prescription refill.
When talking about investing, most money managers advise their clients to spread their money around or diversify their investments. Doing this will protect you from losing everything if the market heads south. The way stocks have declined in recent years is proof that putting all of your eggs in one basket can be quite risky.
However, if you want to properly diversify, you need to know what to invest in, how much to invest, and how to diversify even within a single investment category.
Variety Over Quantity
Having many investments doesn’t mean that you have diversified. You need to have lots of different types of investments. That means that along with investing in zcash mining and other cryptocurrencies, you should also have international securities, real estate funds, bonds, stocks, and cash.
Investments that are made in these asset categories each do different things.
The Allocation of Money
How do you determine how much money to sink into each category of investments?
First, you should set aside enough money in income investments and cash to take care of any sort of near-term goals and emergencies.
Next, a rule a lot of money managers stick to says that you should subtract your current age from 100 and put that amount into stocks and the rest of it into bonds. For example, if you are 40 years old, you would put 40% of your money into stocks and the rest into bonds.
After that, if you want to diversify your money with the other groups of investments, 10% - 25% of the stock part of your portfolio should be in international securities. Take 5% of both the stock and bond portfolios and use this money for real estate investments.
Diversifying Within Categories
Once you have diversified into different categories, you need to further diversify within those categories. It isn’t enough to simply purchase one stock. You need to have many different types of stocks. Do your research to determine which ones will be the best investments. This will protect you from being devastated if a single stock takes a dive.
If you don’t happen to be uber-rich, diversification while you are purchasing individual shares can end up costing you a lot. This is due to the trading fees you have to pay when you buy each one. The most cost-efficient way to do this if you have a modest amount of money, is to invest in mutual funds.
Mutual funds are a sort of investment pool that combines the money many people have invested to buy things like international securities, real estate, bonds, and stocks.
Risk vs. Return
Diversification can protect you from losses that are devastating, but it can also cost you when it comes to returns annually. This is because reward and risk go hand in hand when it comes to the financial market. This means that anything that will reduce your risk will also reduce your return.
The best answer is a combination of these that works for you. If a bit of additional risk won’t keep you awake at night, you might be able to get higher returns. But if you’re more worried about the risk, you might want to stick with safer investments.
During the holidays, there is always so much to do that it quickly becomes quite the chore. If you are bed-bound or otherwise unable to leave the house to get Christmas shopping done, the stress of trying to figure out how to celebrate the holidays can be almost overwhelming. Luckily, we live an age where you can do almost anything from the comfort of your home or bed.
Follow along on a wintery trip through some of the more interesting ways to do some Christmas shopping with limited mobility:
Good Ol' Ham Voucher
Nothing says Christmas dinner like a delicious ham in the center of the table. Unfortunately, it may not always be easy or possible for people to go out and find a nice juicy ham to prepare for their family meal. This is where you can help save the day and give a great holiday gift without ever leaving your chair.
A ham voucher, like Christmas ham gifts by Perfect Feast, is a time-tested way to give the gift of delicious meat to the people you love the most. There is no need to rush out and grab the best one before everyone else. Instead, you just let your friends, family, or someone else choose the perfect meal for their family.
Fruit or Gift Basket
The fruit basket is a traditional and appreciated way to show appreciation and offer a warm, heartfelt greeting at Christmastime. The best thing about fruit and gift baskets is there are so many choices available. This makes personalizing your Christmas present for each person on your list easy and fun to do. If you are doing Christmas shopping with limited mobility and have vegan friends and family to shop for, gift baskets are a great way to offer something thoughtful and non-offensive.
Much like the voucher, fruit baskets and other food-related gift baskets can be ordered online or with a call at one time. They are then sent to the recipients without any extra work from you.
The Internet is Open 24-Hours
The internet never sleeps. This makes it possible to do your Christmas shopping anytime, day or night. If you have limited mobility or an odd schedule, simply doing some Amazon shopping when you can is always an option. More than just Amazon shopping, the net is full of specialized stores and art-shops that offer one-of-a-kind gift ideas for everyone you know. Online stores like Amazon offer a number of shipping options and offer items that may not be found elsewhere.
Paper and Plastic, Please
If all else fails, there is always the gifts that everyone loves. There has never been anyone in the history of the world that has ever said, "I wish I didn't get this money for Christmas." While it may lack the personalized touch of gift baskets and online gift shopping, cash, and gift cards are often gladly accepted during the holidays.
With gift cards, you can often find deals going into the holidays with stores offering extra money on your gift card for the same amount. These sales are a great way to get extra bang for your buck during the holidays, but you can also use this time to stock up on future gifts or even money-saving gift cards for yourself throughout the year.
Holiday shopping doesn't have to involve crowds, pain, or discomfort. Instead, stay home and get things done your way in our digital shopping landscape.
One of the many perks of retirement is the free time that comes along with it, but if you're easily bored, that same free time can be less of a blessing and more of a curse. For retirees with artistic talent, finding a profitable way to fill that time has never been easier. Websites like Etsy streamline the selling process of crafts and handmade goods, making online selling possible for creators who wouldn't previously have had access to a larger market.
If you're primarily a crafter, setting up shop on Etsy is fairly straightforward. Find a few different items that you can get done quickly, make them in a few different colors or options for samples of what you can do, and post them to Etsy. You can also take commissions on different pieces once you've gotten your samples up, a service you can charge more for based on complexity. An online storefront also allows you to keep a smaller stock of items, as you wouldn't have to fill up space in a physical store. If there are larger or more complex pieces that you would be willing to do on a commission basis, you can also set up sections for those.
Another option that works for some creators is painting. Many people sell original art on Etsy, but if you're still learning the ropes, or you're not sure what you want to paint, there are companies that turn photographs into gorgeous paintings. As long as you can paint pictures out of photos, that's a viable option for you, and if you prefer coming up with your own art, there's definitely a market for that too.
An added benefit to this route is that turning photographs into a custom painting can lead to commissions. Those you do painting for through a third-party may be so impressed with your work they insist on hiring you to do another.
If none of this seems to apply to you, consider taking the opportunity to learn a new skill! Have you always been curious about knitting? What about woodworking, weaving, or ceramics? Taking the time and effort to learn something new when you have the free time and effort to can keep your mind sharp and your hands busy. If you know you get bored quickly, or that you've already tried most "standard" crafty things, you can always try out a few things at once instead of focusing in on one. Look into beginner versions crafts you've heard of, or find ones that you've always been envious of the skills it took to do. Underwater basket weaving might not be a real thing but basket weaving definitely is, and if you've always wondered about glassblowing, retirement is a good time to learn.
When you've spent your whole life working, the first thing on your mind is relaxation and the last thing on it is getting paid to do something you love. A hobby might not be something you've ever considered to be a moneymaker, but people sell original art on Etsy for a reason! Even if it's not a get rich quick kind of thing, selling handcrafted items has gotten popular enough that online stores cater to the needs of smaller producers. Don't let your own self-doubt get in the way of a brand new opportunity for you. If there's something you've wanted to do, go do it. If there's a dream you've had, dream it bigger, then work to fulfill it. If you have the time, the drive, and the artistic talent, why not give it a go? You might learn something new about yourself.
You may be looking forward to retirement, but retirement isn't generally very enjoyable for those who don't have enough money saved up to live comfortably. If you're struggling to put enough money aside to do everything you want to do during retirement, it's time to get creative.
The following are a few suggestions on securing a little extra for retirement. You might be able to work some of these options into your plan so that you enjoy a secure retirement and don't have to worry so much:
Expect the unexpected
Even if you have a lot of money saved up and think you're going to be secure, surprise expenses can sometimes come up that can wipe out large portions of your savings. Events like car accidents or illnesses cost consumers a great deal and can sometimes quickly convert a consumer's financial savings situation from being ready for retirement to being set back a decade. If an injury threatens to wipe out your savings, a personal injury lawyer like Mike Pines in the San Diego area can be a great help in replenishing your hard earned money. If you’re not in San Diego there are great attorneys nearby.
Properly insuring yourself to protect your finances is one thing you can do to cope with these surprise expenses. Also, investing in good lawyers who can protect you when you're facing a liability issue is important.
Diversifying your investments
You've probably heard before that you don't want to put all your eggs in one basket. It's good to put your money into diverse account types so that at least a few of your investments end up generating good returns.
Diversify your stock portfolio and try to build up a 401(k) in addition to your pension or IRA if possible. The more fund sources you have to draw from during your retirement, the more comfortable and secure your retirement is likely to be.
Working more or taking on a second job
Taking on a second job while you're young and energetic can be a great way to quickly boost your retirement savings. It can even permit you to retire early. If there is some side business venture you have the opportunity to get into that could be lucrative, you might not want to let the opportunity pass you by.
Claim your benefits later
It's always best to wait until you qualify as being at full retirement age before you start drawing from your social security.
Full retirement age is considered to be either 66 or 67 depending on what year an individual was born in. When you wait until you've reached full retirement age before collecting, you get 100 percent of the benefit that you're entitled to. However, this number can push even higher if you don't start collecting until you've reached age 70.
You'll be eligible to start collecting your benefits once you turn 62. Those who fall into the temptation and start filing at 62 will pay for it down the road because they're only going to get a reduced amount back for everything they've put into the system through the years.
If you can continue working until you've reached 66 or 67, you will be able to rely more on social security and less on your own savings during retirement.
The more effort you put into planning things out and anticipating surprise expenses, the less likely you'll be to have your savings wiped out all at once. It's best to save not just enough to cover your retirement, but more than enough so that you can afford some unpleasant surprises along the way.
We’ve all been there. The coffee that spilled on the only dress we had clean for work, the run in your last pair of nylons. There are many fashion mistakes and mishaps that working women have to deal with every day. Whether you've been on the job for years or out looking for a new one, fashion for the workplace can be a challenge. Whether you are a corporate manager or grade school teacher, read on below for a few of the top tips out there to help you be comfortable and stylish.
Go Comfortable and Classy
Look online and you will find sites like Perfectly Priscilla, where they know that the busy woman doesn’t always have time to iron, dry clean and wash constantly. That’s why they offer many comfortable and classy clothes for those who are always on the go but want to look their best. As a busy lady, comfortable but classy and easy to take care of is the only way to go.
The last thing you want are uncomfortable bras or panties that ride up and are uncomfortable when you’re working or out on the town. When searching for undergarments, do a little research and choose the ones that are no muss, no fuss, and comfortable at the same time. You can even go a little unconventional and look at briefs. They aren't just for men anymore!
The Art of Planning Ahead
One of the easiest ways to ensure you are fashionable and ready to hit the ground running for work is to lay everything you are going to wear to work out the night before. Accessorize, coordinate and have it ready to slip into the next morning. The last thing you need is to find the pair of shoes you picked have a scuff mark or a broken heel right before you walk out the door for work. If you lay everything out the night before, you’ll know for sure that you are ready to go!
Likewise, packing a lunch the night before can get you a few extra minutes for yourself. Hit the snooze button one more time, luxuriate under the warm spray of the shower, or have that second cup of coffee.
Keep the Makeup Simple
Keeping the cosmetics simple is another way to look fashionable without a lot of rigmarole to go with it. Keep it simple with powder, a little blush, mascara, and some lip gloss, to ensure you are ready to go in no time at all, but still look like a million bucks. Being a working woman isn’t always easy but keeping the makeup simple will help and make you feel good about yourself at the same time.
These are just a few tips to help you be fashionable and comfortable at work. Following these suggestions will have you dressed for success and out the door feeling great in no time at all.
One of the more popular items on many retirement to-do lists is to take a trip to wine country. If this is a goal of yours, and if you live in the United States or plan on visiting in the near future, it’s safe to say California is where you’re headed. After all, the Golden State produces 90% of the wine made in the U.S., meaning there is no shortage of visitor-friendly vineyards to choose from.
Here are some basic tips for those preparing for a first-time trip to California wine country:
Go Beyond Napa and Sonoma
California Wine Country specifically refers to a relatively small region near San Francisco, but winemaking is a tradition which stretches across the entire state. With this in mind, consider heading down to the Central Coast and Southern California in search of lesser-known vineyards hundreds of miles away from the fabled valleys of the north. You’ll be pleasantly surprised by the gems you uncover by going on one or two San Diego wine tours available to visitors of America’s Finest City. The same can be said for those in Orange County.
It’s considered in poor taste to become intoxicated by trying wines on a wine tour. With that said, the chances of visiting one of the greatest winemaking regions of the world and leaving without having too much to drink at some point sound pretty low. Play it safe by coming prepared. Have the two major rideshare apps - Uber and Lyft - ready to use on your phone as well as the phones of anyone you’re traveling with. Pack a hangover prevention pill bottle to keep from spending a day of your trip sick in bed. It’s also important to remember to drink plenty of water whenever possible to stay properly hydrated.
Explore Other Things
California is a very big place. Not only does roughly 10 percent of the American population reside there, but the Golden State would rank as having the fifth largest economy in the world if counted as its own country independent from the U.S. Throw in the fact that California is also home to so many national treasures including the Redwood forests, Golden Gate Bridge, Alcatraz Island, Hollywood, Disneyland, the Palm Springs Aerial Tramway, and Yosemite National Park, it’s a no-brainer that California has a lot more to offer older vacationers than its impressive array of vineyards. In other words, it’s highly recommended for California wine tourists to take advantage of being relatively so close to so many wonderful things.
Do Your Research
A series of historically destructive wildfires have swept through several parts of California in recent weeks as well as over the last several years. While the sheer size of the state means there will always be vineyards left, each fire tends to claim many great wineries before it's put out. Given this unfortunate reality, it’s a good idea to do your research on specific regions prior to planning your trip. It’s also a good idea to have a basic plan in mind in the event you’re caught in the middle of developing fire during your visit.
Many people yearn to visit the wine regions of California at some point in their lives, with most waiting until they’re in retirement to make the trip. If this is your situation, it’s important to properly prepare for your first visit, in order to be as safe as possible as well as have a great time.
Everyday, millions of Americans suffer from back pain and other spinal conditions. These conditions prevent people from leading normal, active, and productive lives. It’s against this backdrop that people are beginning to realize the importance of treating back health.
There are numerous methods that can help you deal with a serious back condition. There’s, of course, spinal surgery and there are also treatments that involve prescription medicine. But a chiropractor should also be considered when you feel like you’re active all the time or you’re prone to experiencing high levels of stress.
Chiropractors are people who specialize in treating back conditions through spinal adjustments. They help you treat the symptoms that are common in people who suffer from frequent back pain.
When it comes to finding a professional to help you out, though, you will need to find the right chiropractor. After all, you wouldn’t want to risk getting one that will make your back condition worse. Not sure how to find a good one? Here are a few tips you may want to consider.
1. Consider proximity
For sure, there’s a community chiropractor just a few blocks away from where you live. Come to think of it, there are chiropractic clinics everywhere in the United States. Want to find a local NYC chiropractor? You can bet your bottom dollar that there’s one just around the corner. It’s only a matter of doing a quick online search or browsing the local directories for names and numbers you can contact for your chiropractic needs. Once you have a good list of possible clinics nearest to your location, you will then have to select the best one.
2. Focus on the specialty
Chiropractors, just like any health specialist, have areas that they are good at. For instance, if you want to know if you have any underlying conditions aside from a painful back, a therapeutic chiropractor is the best choice for you. On the other hand, there are chiropractors that provide straightforward services in treating various spinal conditions such as vertebral subluxations, which are known to affect motor-neuron functions in older people. By knowing your specific needs, it will be easier for you to find a chiropractor who can make sure you get the best possible results.
3. Read reviews
Don’t just rely on the fancy taglines that chiropractic clinics provide. Instead, you can go online to look for positive reviews about a clinic. The best thing about tools such as social media is that it’s easier to know if a service is worth it without trying it out for yourself. Reviews can help you weigh your decisions properly and determine a clinic’s quality. But other than online reviews, you can also get information from people you know who have been clients to the clinic of your choice.
4. Look for credentials
Finally, the best pieces of evidence to help you vouch for a clinic’s legitimacy are the certifications and licenses that they are able to provide. After all, it’s part of federal law for chiropractic professionals to have a documented license of their practice. But what if these are fake? Well, you can investigate further by running a simple search with the right authorities such as the American Chiropractic Association.
After decades of working, you're finally able to hang up your work boots and take the hard-earned time off you deserve. Now is the ideal time to pamper yourself and buy those large-ticket items that you've had your eye on.
If you're not retiring, but a loved one is, finding the perfect gift can be challenging. You don't want to buy something that they won't or can't use, but you still want to be thoughtful. Fortunately, there are a few unique items that are sure to satisfy.
One of the best gifts you can give to yourself when you retire is the gift of a home remodel. Perhaps you're getting older and not as mobile as you used to be, or maybe you now have the time and money to make the changes you've desired throughout the years. Consider what you're looking for such as an updated kitchen or maybe even in the addition of a beneficial infrared sauna to help promote your physical health and wellness.
Because there are many people out there who prey on seniors, make sure you thoroughly do your research before you hire a professional to come in and start working. Have a lawyer look over any contracts before you sign anything and always have a contract before you hand over any money for legal recourse should you need it, which hopefully you won't.
Trip to Paradise
What's better than traveling when you have no time restraints and no job to get to? Absolutely nothing! Retirement is the perfect time to visit the places on your bucket list such as Maui, if you want to stay in the United States, or London, for example, if you're looking to travel abroad.
If you're gifting a trip, make sure it's somewhere your parents or grandparents want to go. Try not to book a trip that comes with a rigid itinerary as that takes out the spontaneity and freedom for the recipient to explore on their own. It's okay to include a few gift cards for a popular restaurant or destination attraction, but leave the daily scheduling up to them. Another great thing to include with the tickets is a travel journal, so they can record all of their destinations and experiences.
A New Wardrobe
Now, this definitely may seem like stepping outside the box, but chances are the retiree has been limited to a specific wardrobe for work purposes. A new wardrobe is one way to celebrate retirement. Donate the career wear to local charities and build up your new arsenal that shows off the new you. Whether it's polo shirts and khakis for the golf courses or one of those colorful plus-size dresses for women that's perfect for afternoon tea, the point is to have fun and let loose and stop letting people dictate your dress code.
Retiring is fun, but with it comes a lot of free time and this is where thoughtful gifts really make the difference. Step outside of the box and really make it count whether you're buying it for yourself or your loved one.
With the holidays just around the corner, it is time to start thinking about gift ideas for everyone on your list. Although some people are a breeze to shop for, other loved ones on your list may require more thought. As many older parents know, shopping for your children when they were younger was a lot easier than finding gifts now that they are adults.
If your grown-up son or daughter happens to be married, one easy way to tackle that problem is to focus on the shared interests of your married children and build their gifts around a theme. For example, if your son and his wife have shown an affinity for collecting antiques, a good idea would be to buy them matching antique porcelain collectibles. If the gift idea goes over well, this could be something that you make into a tradition and carry through for many holidays to come.
If your daughter and her husband are outdoor enthusiasts, you can focus on gifts that they will find both practical and entertaining. This is also an easy way to work in a theme of matching gifts for your married children. For example, if they love being on the water, you could do a his-and-her gift set of brand-new paddle board paddles for him and a premium beach umbrella for her. Although they will both get their own individual gift to enjoy on their own time, they can also use the gifts together as a couple.
Even a mini vacation to an outdoor destination will delight those family members who truly love connecting with Mother Nature. The possibilities are endless if you think outside of the box and focus on the things that bring the people on your list the most joy in life.
For those pop culture fans in your life, a good his-and-her gift idea would be a movie night gift box. This is easy to put together and will bring the entire family enjoyment long after the holidays are over. You can appeal to both of their tastes by choosing one chick flick and one more masculine film. Finish off the gift basket with specialty popcorn and candy and you will have a gift that they both will love.
Food is also a good pick for his-and-her themed gifts. The key is to pick a culinary theme that appeals to both people. For example, if they both love Italian cuisine, then you can stock a gift basket with different types of pasta, gourmet sauces, a few bottles of wine, and all of the fixings. Top it all off with a cookbook detailing a variety of Italian recipes to get the budding chefs started. Not only is this a practical gift, but it will also bring the couple enjoyment as they prepare the food and spend quality time in the kitchen together.
With a little creativity and careful examination of the interests of your loved ones, you can be sure that all of your gifts will be a hit this holiday season. It will be obvious to the recipient that you put a lot of thought and love into choosing the best gifts for all of their shared interests.
Many people dream of a living a life of leisure when they retire. However, you may come to find that the laidback life isn’t all it’s cracked up to be. Many retirees could use some supplemental income in order to live the life they’ve become accustomed to, while others simply miss the mental stimulation their work provided.
No matter the reason, it’s good to know there are plenty of opportunities to stay busy and earn some extra cash in your golden years. Take a look at these four ways you can make more money in retirement.
Become an Influencer
By retirement age, you’ve learned a lot. It’s likely you’ve accumulated a number of interests and gained some savvy life-experience. A fun way to put all that to work in a creative way all from the comfort of your own home is to become an online influencer. Yes, you truly can make a decent income through such pursuits.
First, you should understand that it will probably take some time to build your brand. You can set up a blog and write posts about your passions or industry. Another option is to create a social media presence. Instagram tends to be the best and most lucrative site for being seen, though you can branch out to other sites as you grow.
Pick a niche you really love, one that will sustain your attention as you grow. Narrowing down your niche as much as possible is advisable over choosing something vague. You want to stand out from the crowd and gain an audience that truly is interested in what you have to offer.
Speaking of audience, you need one. You can start building your followers with tools such as an Instagram bot, which can help you gain relevant followers more quickly. However, keep in mind that genuine, regular engagement is necessary in order to become successful. Read Annika Bansal’s SocialCaptain review and see what the Instagram growth tool can do for you.
You want to show off your personality and your unique perspective. Think of this gig as building relationships. Essentially, that’s what it is. Stay on top of your industry or niche so you always have the most current information to share. You’ll also need to gain some creative skills in basic design, photography, and marketing. This can be a fun, prosperous outlet for an outgoing individual with lots to share.
Rent Out Your Property
By retirement age, many folks may have accumulated additional properties such as a home or condo. This may occur through savvy real estate investing or inheriting a family home. If you should find yourself with an extra abode, consider becoming a landlord.
Having a steady rental income can provide added security in a turbulent economy. While there are some risks involved, such as getting a bad tenant, you do hold much of the decision-making and control in your own hands. This can provide peace of mind.
Another option is to rent out your home on an occasional basis while you’re away. Using a vacation rental site like Airbnb is a fine way to connect with people who would be interested in staying in your home for a bit. If you live in a metropolitan area or tourist destination, your rental will be even more appealing.
Allowing others to stay in your home while you’re not using it can allow you to travel, while still earning an income. This money can supplement your existing income and might even take care of your entire mortgage if you’re still paying on one.
There are other out-of-the box options to consider if you own property. You may wish to rent just one room of your home. Did you also know you could rent your driveway, garage or storage space? It’s true! There are online services to match you with people in need of these things.
Try Temp Work
Retirees who miss the social aspects and challenges of work life may wish to consider temping. Check out the temp agencies in your area to discover what types of opportunities are in demand. These types of work experiences are great because of the flexibility they offer.
You get to choose the type of available work that fits your interests, skill set and schedule. You could do temp work for the holidays or other seasonal jobs. You may wish to take on short-term gigs or simply fill in for regular employees who are out sick or on vacation.
Temp work lets you enjoy life on your terms while still earning some extra income. In addition, you get to engage in the types of work that you find satisfying. You might choose to work in an office performing tasks such as typing, filing and answering phones. Data entry jobs are also common, if you’re a fast typist. Warehouse work is great for those who wish to remain physically active. There are even jobs for people with certain expertise such as accounting or medical transcription.
Share Your Expertise
When you retire, there are so many ways you can continue to use your mind in satisfying and lucrative ways. Sit down and make a list of your particular skills and know-how. These could be knowledge from your previous work life, life skills you’ve picked up along the way or hobbies at which you excel. Jot down whatever comes to mind. You can narrow it down later.
Focus on the items that stand out to you, the ones that provide the most appeal. Doing what you love in retirement is something many strive for. In addition, consider the practical aspects of each thing and how you might leverage that talent.
Some people decide to become a consultant after retirement. This allows them to use their business know-how to guide others, while earning a decent income and being in charge of the types of work they take on. This might be a good fit if you have project management, business development, management strategy or recruitment experience.
Other considerations are to share what you know by becoming a teacher, instructor or tutor. You could check with the local community college, university, senior center or other local agency to see what might be a good fit for your expertise.
Teaching an adult education course could be fulfilling. Tutoring in a particular subject area is something that could be a bit more flexible, as there are opportunities to do this online. There truly are countless ways to share your knowledge and make money in the process.
These are just a handful of ways you can make more money in retirement. The possibilities are endless. You don’t have to stop working and growing. Enjoy!
For many older adults, their mental and physical health can become endangered through a lack of socialization. This is an issue being addressed by many healthcare providers by suggesting that retirees adopt pets. Taking in a pet is beneficial to elderly adults for many reasons and even the responsibilities of caring for the pet can protect cognitive and physical health. By looking at the relationship between a dog and an elder owner, it's easy to see how the arrangement becomes mutually beneficial.
Dogs Help Keep Seniors Healthier
Reduce Feelings of Loneliness
One of the most obvious benefits of dog ownership for an older adult is the companionship the pet provides. Loneliness is especially problematic for older adults, who may not have very many friends, but owning a dog in retirement can solve that problem. Depending on the dog's size and behavior, they can often accompany their senior owners to run errands or on trips around town.
Getting Enough Exercise
Dogs need exercise just like human beings and they will get it one way or the other. For older adults, exercise is equally important. Research has shown that active senior adults remain physically and mentally healthy for longer, so daily walks with a dog are helpful in keeping the elder from falling into an unhealthy and sedentary way of life.
The mere presence of a dog is effective in relieving stress, which is another health danger that older adults face. Studies have found that petting a dog helps reduce stress hormones in the body and help people feel more relaxed. Seniors who experience trouble sleeping also sleep better, when they have a dog by their side.
Dogs Need Emotional Support Too
Separation Anxiety Can Be a Problem
Many experienced dog owners know that preventing separation anxiety is important because the disorder can result in destructive behavior. Most will wonder, “What can I give my dog for anxiety?” The solutions range from calming CBD oil to sleep-inducing antihistamines, with a number of prescription options in between.
While treatment options are important, preventative techniques are also worth trying. When seniors first adopt a pet, it's important to ignore him when he follows you around the home. People should also refrain from making their departures obvious, so the pet won't get nervous or excited. Finally, the dog should be prevented from following the owner to the door, when he or she leaves. Place the dog in a crate and give him a bone or something enjoyable, so he doesn't notice that he has been left alone.
Older Dogs Need More Care
In many cases, seniors choose to adopt older dogs. This can often be a good situation for both because younger families rarely want older dogs and older people like the idea of adopting a pet that has already been trained. However, the elder person should be aware that senior dogs do require special attention. Caring for an older dog requires paying more attention to the pet.
As dogs age, they suffer joint pain and stiffness, often developing arthritis. Sound familiar? This means comfortable bedding should be provided at floor level since they will be less likely to jump up on beds and sofas. Their bedding should be placed in a warm area, near a space heater or an HVAC vent. This can help the dog remain comfortable and help him sleep better.
Additionally, seniors should know to schedule frequent vet visits for the dog. Visiting a vet at least twice a year will help identify health problems early. Dogs can develop heart disease, cancer, diabetes, and other degenerative conditions just like people. Early diagnosis and treatment can help alleviate conditions more efficiently, sparing the dog from additional pain or discomfort.
Older adults enjoy great benefits of dog ownership in retirement. Often, a dog provides the companionship and relaxation senior adults need to stay healthy. While caring for a pet is a big responsibility, even that can give the elder something to focus on to help maintain strong cognitive functioning. A dog adoption benefits both the person and the dog.
We all age, and as we get older, the importance of a healthy lifestyle grows. One of the vital components to our overall health and wellness is physical activity on a regular basis. Regular exercise can keep us independent, assist in the management of various medical issues, and improve our energy levels.
Trainers at this Albuquerque gym are big believers when it comes to the impact that exercise has in helping seniors remain vibrant and engaged. They make this easier for seniors to exercise using pools for low-weight bearing, low impact workouts. Age should not deter you from joining a gym. Instead, as you age, look for gyms that have programs low-impact classes or trainers who can help you adjust exercises to fit your needs.
Losing weight together
If you’re trying to lose weight with your partner you may notice that men tend to lose weight faster than women. Regardless of who is losing weight faster, don’t let it discourage you. Instead of comparing your progress, motivate each other as everyone has their off days.
In addition to losing weight, important to keep in mind that men and women have different dietary needs. As we age we also have to adjust our diets as our metabolism slows down. That being said, you should always consult your physician before you begin any new diet or exercise program.
Exercise & Aging
There was a recent study that showed that when it comes to living a long life, exercise is actually a top contributor. In all actuality, it can assist with expanding our lifespan even when we don’t begin working out until after we retire.
Exercise has more to do with quality of life than it does with quantity though. Regular physical activity can provide a wealth of benefits for your health. These include things like:
There are some seniors who might hesitate when it comes to exercise because they might fear that the activity could harm them or they have an injury that prevents them. This is why it’s important to work with your doctor and a certified personal trainer. The trainer and help you adjust routines to fit any existing injuries and prevent new ones. It’s important to keep in mind that a sedentary lifestyle that doesn’t give you any sort of exercise can lead to a number of health issues.
Time Well Spent
After you retire, you may find that you have a lot of free time, and some of that should be spent focusing on your health and wellness. Whether that means learning to cook healthier meals and increasing your exercise routine, use the time to improve your health.
While San Diego is a popular city that draws many tourists in each year, it also makes a wonderful place to live thanks to its mild climate and the abundance of attractions nearby. Perhaps you visited and fell in love with the city, or you have lived nearby your entire life and decided that's where you want to be. Before you make the move to San Diego, there are a few considerations to keep in mind so that you can make the adjustment as smooth and efficient as possible.
One of the things that residents of San Diego bask in on a regular basis is the beautiful scenery that surrounds the city. You can opt to live near the coast and enjoy the salty air and proximity to the beach, or you can live a little further inland where you'll have access to the forests and hiking trails if you prefer being immersed in nature. Just a short drive away is Mount Soledad, where you can go to watch the incredible sunset that all the locals rave about. The beauty of San Diego is that you can live in one setting, but still remain within a short drive to others, giving you the best of all worlds.
Finding the Right Home
One of the most important considerations, after deciding exactly where you want to live, is what type of home you're looking for. You can choose from the convenience of an apartment or condo, or opt to live in a single-family home where you can make the types of home improvements that suit you and your family. You can renovate bedrooms, or even add a French door refrigerator to your kitchen rather than settle for what's already in the dwelling. Additionally, consider what falls within your budget. Because while many homes in San Diego run on the expensive side, like many areas of California, you can find homes that suit most budgets if you know where to look. Hire a Realtor if you're not familiar with the area, or talk to family and friends who may live in the area for those hidden gem neighborhoods that aren't necessarily well-known to non-locals.
While there are different types of landscapes, there are also areas that are a little more isolated than others. Decide whether you want the peace and quiet or whether you want to live a little closer to the modern conveniences such as grocery and department stores, banks and local attractions. There are certainly perks to each. For example, living a bit inland and away from conveniences means less traffic, which can be ideal if you like to drive around. Being in the midst of conveniences means that you're never far away from a restaurant or store, which is good if you like to go out and explore.
Moving to a new area is always exciting. Just keep a few considerations in mind when you're making the move to ensure that it's just what you want in terms of home size, budget and location.
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.