July 17, 2019

A Guide to Treating Chronic Pain for Seniors

Filed under: Aging,Seniors Health — Tags: , — seniorlivingguide @ 3:17 pm

Chronic Pain for SeniorsBy Lizzie Weakley

Your chronic pain condition doesn’t need to run your entire life. Try these tips to find relief and enjoy more of your daily activities.

Get More Exercise

Regular exercise will strengthen your muscles and keep your body in a better overall condition. Even a small amount of movement each day will help you manage your pain.

If you haven’t exercised in a while, start with simple stretches and a daily walk. Consider enrolling in an exercise class geared toward seniors. Your health care professional will be able to recommend specific exercises that strengthen the area where you experience the most pain.

Look for Natural Alternatives

NSAID pain relievers like ibuprofen or aspirin are good to use in a pinch, but they can have complicated effects with other medications. Extended use of NSAIDs can also result in stomach problems in the long term.

Look for natural forms of pain relief like herbal teas, heating pads, and ice packs. Cold should be used to ease immediate pain, and heat should be used to loosen muscles. You can also try acupuncture, massage, and other treatments to find relaxation.

Seek Regular Treatment

You aren’t expected to manage your pain alone. Many different chronic pain services are available to help you find a long-term solution. Start by talking to your doctor about the options available to you. You might also want to visit a specialist related to your condition.

Don’t let yourself go without treatment. Some cases of pain are truly chronic, but others can be solved with medical care. Pain doesn’t always stem from an obvious source; only a doctor can identify and treat the actual cause of your discomfort.

Get Plenty of Sleep

A full night’s sleep has been shown to significantly increase your tolerance to pain. Adding two hours of sleep to your current schedule could increase your tolerance by as much as 25%.

As a senior, getting enough sleep isn’t always as easy as it sounds. Your chronic pain might even keep you from falling asleep at night. Clear your schedule so that you can sleep in a little later in the morning. You might also consider taking naps in the middle of the day. You’ll feel significantly better when you wake up.

Many seniors only sleep 4-6 hours a day. For pain management, try to average 8 hours; shoot for 10 if your pain is bothering you. If you continually deal with insomnia, your doctor may be able to prescribe a sleep aid to assist you.

There’s no single solution for the management of chronic pain. Your pain specialist may recommend several different treatments; try each option, and stick with the ones that work best for you.

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July 12, 2019

What to Look for in a Home After Retirement

Filed under: Boomer,Real Estate,Retirement,Senior Housing,Taxes — Tags: , — seniorlivingguide @ 10:27 am

Real Estate After RetirementCourtesy of Anita Ginsburg 

You’ve waited for what seems like a whole lifetime to retire. You’ve pinched your pennies and are now ready to enjoy this new chapter of your life. However, buying a new home after retirement isn’t the same as buying your first home. Depending on your financial situation, it can feel impossible to finance an investment this big at this point in your life.

To make the best decision for you and your budget, read on to learn about the most important points to consider when buying a home after retirement.

Location Matters

When it comes to real estate, there is one thing that everyone thinks about: location. People who are older need to carefully consider where they want to buy their retirement home. Although a sunny area may sound good on paper, it might not be your kind of paradise for the long-term. Consider important factors such as the climate, cost of living, crime rates and access to resources before you decide on a location.

Elderly people’s homes are often prime targets for break-ins, so you want to make sure that the security in your neighborhood is safe.

Also consider the average age of the members of your new neighborhood and if there is a strong senior citizen community that you’ll be able to take part in. Staying social after retirement is an important part of health and wellness, especially if you’re considering relocating to a new state or a new country. Make sure that you choose a destination that is as practical as it is alluring.

Pick a Home That’s Right for Aging

Purchasing a multi-level home is not ideal as you get on in years. It’s a good idea to plan ahead and accommodate your changing body over the next several decades. Amenities like a walk-in shower, easy wheelchair access and no staircases are all good criteria to consider. You may want to look for ranch-style homes that offer a wide layout with everything on the same floor.

You should also consider the size of the land you purchase. Having a small garden may be nice, but caring for excessive land can be a hassle, especially as you age. Ask yourself if the landscaping is something that you will be able to manage as you get older, or if the space will fall into disrepair or become too expensive to maintain.

Don’t Put All of Your Money into the House

Many financial planners highly recommend that you don’t pay for a new retirement home with cash. Instead, use your money for a down payment and take out a mortgage. Your retirement savings have to be evenly distributed, so you shouldn’t spend every penny you’ve saved over the course of decades to buy a house.

If your current home has equity, check whether or not you can apply that to the purchase of your retirement home. Discuss your options for payment with a real estate office in your desired location; offices have qualified, experienced agents whose job is to make sure you not only find your dream home but also get the best deal for your money.

Keep Taxes in Mind

Before even thinking of moving to a new location, you must consider how much you’re going to pay in taxes. Take a look at the sales tax, real estate tax and your retirement income before deciding on a new home. You should also consider how taxes after retirement will affect your life. Taxes taken from your pension, social security benefits and your 401k may be more than you imagined.

Draw up a retirement budget that takes taxes into consideration so you have a realistic perspective of how much you can afford for a retirement home and daily living.

The Bottom Line

Regardless of age, buying a new home is difficult. Working with a real estate agent will make the process much easier, especially if you’re moving to a brand new location. The home you choose to retire in will probably be where you live for the rest of your life, so don’t worry about rushing into the first decent property you see. Take your time, lay out your finances and consider a home that you can see yourself in for many years to come.

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July 11, 2019

Can Selling Your Home Lead to Early Retirement?

Filed under: Retirement Planning,Senior Housing — Tags: , — seniorlivingguide @ 12:02 pm

Selling Home for RetirementCourtesy of Anica Oaks

The average retirement age in the U.S. is 62, but many Americans dream of retiring 10 or 20 years earlier than that. While early retirement is a dream, the pressing demands of reality and the cost of living make it too far-fetched for most. You may be on the brink of meeting your savings goal, and selling your house might be the final step you need to finally bid your days working a 9-to-5 goodbye.

If you’re contemplating selling your home for early retirement, here’s what you need to know.

Your Home’s Value Isn’t the Most Important Factor

Depending on how long you’ve lived in your house, you could wind up selling it for double or even triple its original closing cost. If your mortgage is paid off, then you’ll have even more money in your pocket to put toward retirement. However, there are a lot of other factors to consider when selling early, particularly real estate tax and buying a new property.

You will have to pay taxes on the home you sold; profits up to $250,000 are tax-free, and that figure doubles for couples who are married and filing a joint return. This could wind up putting your final amount down to a lot less than you expected, and you’ll have to use that money to put a down payment on your new home.

While having a valuable property is certainly an advantage as you approach retirement, it doesn’t guarantee that you’ll be able to retire earlier than planned.

The Cost of Living Can Change

If you want to sell real estate, you have to look at more than just the housing market. You must also consider the average cost of living, employment rates and the economy that will affect both you as a seller and potential buyers. This means that what you can afford to live off of now may not be enough in the future, especially if you decide to retire to a more expensive location.

The Final Verdict

Early retirement is possible, but it’s becoming less of a tangible reality for people as the cost of living in America continues to rise. While you can sell your house and put away a fair amount of money into your savings, you should carefully consider how much money you’ll need to sustain yourself throughout retirement before you make any major decisions.

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July 5, 2019

Best Recreation Spots And Activities for Seniors

Filed under: Aging,Entertainment,Senior Activities,Seniors Recreation — Tags: , — seniorlivingguide @ 9:22 am

By Michael Feldman

Do you think your ideas of keeping your elderly family members are lacking the spark? Or you are a senior person yourself and you are on the lookout for ideas to stay happy and engaged. If you are nodding your head in a Yes, you must not stop here and keep reading ahead to get your hands on some amazing ideas for the best recreation spots for senior family members.

Our elder citizens need our love and time the most since they are stuck at home and have little to do with recreation. If you are caught up in your daily routine and cannot spare some time to spend with them, then you should check out these recreation spots and ideas to ensure that they have a good time while you are busy elsewhere.4 senior women

Here is a list of top out-of-the-box ideas that you can pick every time you want to do something special for your elderly loved ones:

  1. Wine Tasting
  2. Mini Golf
  3. Gardening
  4. Arts and Crafts Work
  5. Karaoke
  6. Trivia Night
  7. Family Movie Date
  8. Senior Exercise
  9. Sauna Bathing
  10. Bird Watching
  11. Amusement Park
  12. Storytelling Groups
  13. Pet Care Training
  14. Charity Walks
  15. Swimming
  16. Massage Date
  17. Cooking Competition

Wine Tasting

Your beloved parent or grandparent has spent his/her lifetime drinking wine and they can definitely tell a classic wine from an ordinary one. Plan a wine tasting session and see what are some of the best choices you can stock at home for regular usage as well as for special events. Add a little twist to the wine tasting session and gift them the one they like the most.

Mini Golf

You really want your grandpa to re-live his golf playing joyous moments from his youth but the golf parks are far away to be his routine. Snap! Bring mini golf to your home garden. Keep them healthy and involved with a sense of appreciation to green elements.

Gardening 

Bring a lot of new greens to your home, regardless you have a decent landscape area or not. Remember to choose easy-to-manage vegetables and fruits to grow at home, and always offer to help them keep the plants alive. Connection with Mother Nature and seeing the fruitful results of their gardening skills is a fulfilling idea. Later, also arrange a special dinner date with the home-grown vegetables or fruits.Gardening with Seniors

Arts and Crafts Work 

Bring easy-to-manage artwork for their activities at home or enroll them in group activities. Let them flow with whatever they want to paint or decorate, let the artist come out and shine. Keep collecting these masterpieces and then also arrange an exhibition on the family reunion day. For everything they make, show a lot of appreciation to keep them happy and stay connected to ask what they are making next.Arts and Crafts with Seniors

Karaoke 

Elders with a mobility issue or health restraints need activities which require less physical effort. So, sit with them and let them sing their hearts out. Join them by arranging a Karaoke night with neighbors or family members. Join them to listen to the best numbers from their times; enjoy a merger of modern and ancient music tastes in one single night.

Trivia Night 

Family gatherings are always the best source of recreation. Make it a habit; let your children see what you do with your parents or grandparents and they will learn how you expect to be honored when you are old. Trivia night are an engaging and entertaining piece of activity where the whole family gets a chance to spend a quality night together. Let the elderly people test you and benefit you with their knowledge.

Family Movie Date 

Elderly family members often wish to be part of your active social routine, not just being limited to the activities they can perform on their own. They want to feel young and cherish family moments. Gather everyone and take them out for a movie date. Make sure the sofas are comfy and you get them a good glass of beer along with a good bunch of fellows.

Senior Exercise

Importance of staying active for the elderly can hardly be overstated. But at times, they just don’t feel like getting out of their comfort zone or some physical discomfort may be inclining them to stay glued to their chair. Chairs! No worries go for some on-chair exercises. You will get a lot of ideas from online videos. Grab a handful of relevant videos and when they wish to remain in their comfy chairs, let them be.Exercise with Seniors

Sauna Bathing 

Want an exotic recreational activity for your grandparents or parents but have no time to plan anything out of the place? Boom! Get a hot tub at home or take them to a sauna where they can rejuvenate. Hot baths are not just an exotic experience, they come with so many health benefits as well. So you can have dual benefits in one source of joy.

Bird Watching 

Appreciate their love for nature and arrange some bird watching trip. Get your children to join along and make sure they get a fair chance to appreciate the Mother Nature for those beautiful creatures. Let the old and young enjoy the masterly flights of birds in the open air or take them to an aviary to see some creatures they have never seen up close.

Amusement Park 

Who says amusement parks are only for children? Take elderly fellows to amusement parks and amuse them with technological advancement. Let their inner child feel comfortable to enjoy some special treatment. Serve their favorite flavor of ice-cream they were fond of since childhood. Recreate the best childhood memories you have with them when they took you out to these amusement parks.

Storytelling Groups 

Our elderly people have had their fair share of life experiences and learnings. They could be a great source of learning and mentorship to our children based on these lifelong lessons. Plan group activities for them to share their life stories with others.

Pet Care Training 

Pets are the most loyal partners when it comes to staying with elderly family members. They take care of each other given they have proper training and communication. Get both partners into training of better living. After all they spend most part of the day together, it’s important for a healthy relationship.

Charity Walks

Elderly often miss being socially active and being a reason for improving the lives of others. Take them to charity causes; let them be a part of the social and noble causes for the sake of humanity. This brings back their sense of responsibility and gives them a chance to see their contribution in this world.

Swimming 

The community pool is yet another source of networking as well as a healthy leisure activity for our home-stuck elders. Put them into learning classes and let them get the benefit of both social and healthy lifestyle. Where swimming is considered a joyous activity, it comes with known health benefits for arthritis or blood pressure patients.

Massage Date

Don’t feel like exerting any effort into physical activities because you had a tough week at work, get a massage and take your grandpa or grandma along with you. Spa massages are the most relaxing and soothing recreational treats one can get (or two can get). Take a drink along and enjoy your spa talk with an invigorating spa experience.

Cooking Competition

Loving families are the ones who cook together not just eat together. It helps you to work on your family bond and teamwork alongside. A happy date idea is a family cooking together; get your tailgate grill and set out for an outdoor BBQ, what a treat it would be!

Make teams and let the elderly ones be the judge to decide who won this year’s family cooking competition. If they don’t feel like just sitting and tasting at the end, bring them in your team of cooks as head chef.

By now, you must be planning your next family day to fit in one of these recreational activities to rekindle the family spirit. Bring the best of the leisure time for them to feel the connection and family bond. Let them know they are special and you are there when they need someone to lift them up from their boring lifestyle. If so, here is what you must consider:

  1. Take their input, at the end of the day you want to make them happy so ask them what they feel like doing.
  2. Plan ahead of the day and make sure you stick to it.
  3. Do not rush activities, they have been waiting, so make sure it is worth it. Spare some time at the end as well; do not make them feel that you are in a hurry to get done with it.
  4. Make sure their health and enjoyment go side by side, focusing on just one side will not serve the purpose.
  5. Have expert advice, always make sure you consult with their physician before putting them into any sort of physical activities.
  6. Take their feedback before planning the next one. Happy Seniors

So what are you waiting for? Start jotting down the to-do list for your next elderly day out or at-home recreational sessions. If you have some other ideas to share, please share as a comment with others who are on the lookout for ideas.

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July 2, 2019

4 Ways to Get Quick Cash as a Retiree

Filed under: Financial Planning,Retirement,Seniors — Tags: , — seniorlivingguide @ 1:06 pm

Quick Cash for SeniorsCourtesy of Lizzie Weakley

If you are now retired and no longer get your income from working a full-time job, there are several clever ways to make some extra cash when money is tight. Many of the best ways to earn a passive income don’t require a lot of strenuous mental or physical labor. Here are a few ideas for making some extra money as a retiree.

Attend Focus Groups

Taking part in focus groups merely involves giving your opinions on certain products, services or social issues. You might get the chance to try a new food product, give your opinions on the latest electronics, or even take part in a mock jury for an upcoming trial. Many of these focus groups will pay handsomely for just a small amount of your time (possibly as little as one hour). Payment often comes in the form of cash, a check or a gift card.

Work as a Sitter

Whether you want to babysit, housesit or pet sit, you can make money by acting as someone’s eyes and ears when they’re away to ensure that nothing bad happens. You’ll want to have references so that people who want to hire you can verify them to guarantee that you’re trustworthy. You can be a sitter as part of a one-time gig or sit more regularly on your own schedule. To find sitter jobs, there are websites for specific types of sitters that you can browse and join.

Sell Your Life Insurance Policy

You might be asking yourself, “Can I really sell my life insurance policy for cash?” the answer is yes if you meet certain eligibility criteria. Through a process known as life settlement, you can usually sell your policy if you are 70 years of age or older and your policy totals $100,000 or greater. A person who is under the age of 70 might be able to sell their policy if they’ve been diagnosed with a terminal illness. The policy types that can be sold include term life, whole life and universal life.

Sell Arts and Crafts Online

If you have a knack for creativity, you may be able to turn your skill into a money-making opportunity. You can sell any unique pieces of artwork or crafts that you make to customers online and watch the money come into your bank account. Selling items with holiday themes can be especially lucrative around holidays. There are several arts and crafts websites that you can join to start selling your goods.

Supplementing your income as a senior doesn’t have to involve a lot of backbreaking labor. By tapping into the right resources and putting your already-existing skills to work, you can make the money that you need in almost no time.

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