July 29, 2013

On the Rocky Road to Retirement: 5 Major Pitfalls to Avoid

Filed under: Retirement — seniorlivingguide @ 1:48 pm

Courtesy of Brooke Chaplan [brookechaplan@gmail.com]

Nobody wants to have to work until the day they croak. You should be able to enjoy your later years without having to worry about finances. Planning for retirement is extremely important, and here are five predicaments that you want to steer clear of.

1) Not saving now
The biggest mistake that you can make about your retirement is failing to start saving money right now. Some people like saying that they’ll put money aside but don’t actually start until it’s too late. The smartest course of action to take would be to deposit a small percentage of every paycheck into a savings account or individual retirement account. Not only does this method guarantee that you will have some funds to enjoy your later years, it also teaches you that patience pays off because you will earn a bit of extra profit from your bank annually.

2) Not saving enough
The consequence of not saving now is not being able to save enough by the time you are retired. If you’ve already looked into retirement, you probably know that it can be pretty expensive. Retirement gurus concur that it’ll take anywhere from 70% to 90% of your pre-retirement earnings to continue living at those same standards when you’ve quit working. Some people can still be comfortable living more frugally, but you On the Rocky Road to Retirement 5 Major Pitfalls to Avoidget the idea.

3) Withdrawing from the retirement fund early
The number one rule of having a retirement account is to leave it alone. Using money from the account before your retirement is a big no-no. You will lose principal and interest, and your tax benefits could also be lost or reduced. If you’re unlucky, your bank will also charge you a penalty fee for every premature withdrawal.

4) Forgetting to write your living will
Planning your retirement isn’t only about taking care of financial matters. You also need to think ahead about the well-being of your loved ones in case the worst happens. Many people wonder, “Do I need a living will?” If you want to be considerate to your loved ones, yes you do. When you are no longer capable of making medical decisions for yourself after suffering from some horrible health problem, you wouldn’t want your family to have to decide whether or not to take you off of life-support, right? State your plans in writing beforehand so that your loved ones won’t have to make such heart-wrenching decisions. Visit FindLegalForms.com for more information about living wills.

5) Neglecting to inquire about Social Security benefits
Social Security can really be of help when you retire. In fact, you can receive nearly half of what you used to earn before retirement. Contact the Social Security Administration if you have any questions or concerns about your retirement benefits.

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New Listing Alert – Indian Oaks Manor Assisted Living 11355 131st Street North, Largo, FL 33744

Filed under: New Senior Housing Information — seniorlivingguide @ 1:42 pm

logoWe offer comfortable apartments designed with your comfort, ed safety and convenience in mind. Our apartments are unfurnished, cialis sale allowing our residents to bring their own comfortable furnishing and belongings to their new home.

Once residents leave their apartments, discount there are many things to see and do at Indian Oaks Manor.

Our spacious Activity Room provides the perfect setting for entertainment and socializing. Residents are encouraged to participate in activities that stimulate their minds and bodies.

View the full listing here – Indian Oaks Manor Assisted Living

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New Listing Alert – Guardian Angel Home Care Services, Inc. 6572 Seminole Blvd, Suite 8 Seminole, FL 33772

Filed under: New Senior Housing Information — seniorlivingguide @ 1:41 pm

20130729121823logoGuardian Angel Home Care Services is a 12 year old family owned and operated Home Health Agency and Homemaker/Companion Service with old-fashioned family values. We serve Pinellas and Pasco Counties.All Caregivers are bonded and insured. Call today for free in-home assessment.

View the full listing here – Guardian Angel Home Care Services, physician Inc.

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What’s Best for Grandma: Keeping Her Health The Priority

Filed under: Assisted Living,Home Health Care,Seniors — seniorlivingguide @ 10:22 am

Courtesy of Brionna Kennedy [brionnakennedy@gmail.com]

You have wonderful memories with your grandmother from childhood, and you are still enjoying a lot of fond moments together. However, you need to work on making her health a priority. What are some steps you can to ensure that this goal is accomplished?

Determining The Specific Needs
As a family, you need to sit down and discuss what the specific needs of your grandmother are. You should also see who is going to be mainly in-charge of her care. While it can be split, one person generally becomes the leader. You need to determine if she needs help with walking, making appointments, taking baths, getting to the grocery store and so forth. When it comes to elderly needs, quite a spectrum exists. Her current medical state and conditions will play huge roles in these types of decisions.What's Best for Grandma- Keeping Her Health The Priority

Finding In-home Care
Many elderly folks want to continuing living in their own homes, and this need is an understandable one. Therefore, you should do your best to maintain Grandma’s current living situation. Home care services can be a wonderful option for and your family. Your grandmother might need someone to come a few times a week to assist her with tasks, or she may be at a point in her life where 24/7 care is necessary. Whatever the case may be, you can find someone to help.

Addressing Medication and Doctors’ Appointments
Chances are, your grandmother has at least some medications she needs to take and doctor appointments she needs to make. If she is suffering from dementia or another similar condition, you must be sure that she is taking the proper dosages of medication. You can go over each day to regulate these substances. As far as doctor appointments are concerned, you, or another family member, should be keeping track of where they are.

Making Her Home Safer
Some grandparents do eventually go to a nursing care facility. However, if she is going to stay at-home, you need to work to make it a safer place for her. For example, installing a wheelchair ramp and guardrails on the stairs can make it easier for a person who has trouble getting around. Look for any problems with the flooring or carpet to ensure that she does not fall. An emergency alert system where she can immediately contact 911 if she is hurt is crucial.

You love your grandmother very much, and part of expressing that love is making sure her health concerns are in order.

Brionna Kennedy-twitterBrionna Kennedy is native to the Pacific Northwest, growing up in Washington, then moving down to Oregon for college. She enjoys writing on fashion and business, but any subject will do, she loves to learn about new topics. When she isn’t writing, she lives for the outdoors. Oregon has been the perfect setting to indulge her love of kayaking, rock climbing, and hiking.

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How to Plan a Funeral to Honor Your Loved Ones

Filed under: Uncategorized — seniorlivingguide @ 10:18 am

Courtesy of Brionna Kennedy [brionnakennedy@gmail.com]

Losing a loved one can be one of the most difficult times in your life. However, funerals don’t have to be all about mourning and crying. With these simple tips, you can plan a funeral that celebrates your loved one’s life and honors their memory.

Make Arrangements to Suit Your Loved One’s Tastes
Everyone has different tastes, so when you’re planning a funeral, it’s important to take into account the personal preferences of the deceased. Many people have written wishes for their funerals in their will. However, even if your loved one did not leave specific direction, you can plan a How to Plan a Funeral to Honor Your Loved Onesfuneral that incorporates their own personal taste. Choose music, flowers and readings they’d enjoy. Incorporate their burial wishes into the funeral. Whether your dearly departed friend or family member would want a traditional burial or cremation, Los Angeles is home to a number of different service providers who can help you to customize the service for the deceased.

Celebrate Your Loved One’s Life
Rather than focusing on everyone’s sadness that someone is gone, you can focus the funeral on celebrating the achievements and wonderful characteristics of your loved one. Recount the goals they reached in their life, ask everyone to share what they loved about them, or just fondly remember the person who has passed away to honor them. You can celebrate your loved one’s life by doing things like:
•    Telling favorite stories about your loved one
•    Sharing a fact about the deceased that not everyone knows
•    Talking about a difficult situation your loved one overcame during their life

Create a Memorial
You can create a way for people to remember your loved one long after the funeral is over. Whether you do this with a traditional memorial fund that is created for the loved one’s family or donations made in someone’s name to a favorite charity or organization, you can create a simple but powerful way to honor their memory. You can even think of more creative ways to remember someone such as creating a scrapbook of memories or asking everyone to leave a comment on an online memorial webpage.

Using these tips will give you a great start on creating a funeral that honors your loved one. By focusing on your loved one’s tastes and remembering their life, you can create a way to remember them that lasts long after their funeral is over.

Brionna Kennedy is native to the Pacific Northwest, growing up in Washington, then moving down to Oregon for college.Brionna Kennedy-twitter She enjoys writing on fashion and business, but any subject will do, she loves to learn about new topics. When she isn’t writing, she lives for the outdoors. Oregon has been the perfect setting to indulge her love of kayaking, rock climbing, and hiking.

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Moving into Assisted Living: Here’s Some Tips on Making the Transition

Filed under: Assisted Living — seniorlivingguide @ 9:53 am

Courtesy of Kathrine Kreger [kathrinekreger@gmail.com]

Move Large Items to Storage
Most assisted living facilities don’t allow residents to keep large pieces of furniture like chairs, couches and dressers. You can use a Phoenix AZ self storage company to keep these items safe. There will be storage fees that need to be paid each month, and if the resident wants to sell the items at a later date, then the company can hold an auction. You can also remove the items and divide the furniture among family members.

Stay In Touch
Residents are allowed to call and write family and friends, so make sure the person has addresses and phone numbers. You can take stationery and envelopes to the person so that they don’t have to worry about getting items to write on, and the resident can have a cell phone if there is no phone in the room. Visit often so that the resident does not feel alone. Most facilities allow visits all day and into the evening every day of the week. Some facilities allow family members to spend the night if there is a health concern.

Label BelongingsMoving into Assisted Living Here's Some Tips on Making the Transition
In order for the staff to know what items belong to each resident, it is important to label the items with a laundry marker of Sharpie. You can write the initials of the person on each item, or you can write the last name. Clothing is the most important thing to keep labeled. If the facility does the laundry of the resident, then the person who washes and dries the clothes needs to know where to take the items. Toiletry items need to be labeled in case there are certain things that the resident needs to use such as a denture cup or prescription medications.

Make the Room Look Like Home
Before the resident moves to the facility, take some special things from home to make the room feel comfortable and familiar. These items could include a favorite blanket, pictures, pillows or a chair if the facility will allow one in the room. Some facilities allow residents to have a television from home. You can also take small trinkets to sit on the shelves.

Make Friends
Introduce your family member to some of the other residents in the facility. Take the person to the dining room at meal times to talk to others. If there is a craft time, then encourage the person to join other residents. These activities will not only allow the person to make new friends, but it will keep the person’s mind occupied.

Author Bio
Kathrine Kreger, is a freelance writer from Eugene, OR.  She loves museums, art and football. For those who are looking for a reputable storage company, look to (http://www.extraspace.com/Storage/Facilities/US/New_Mexico/Albuquerque/501915/Facility.aspx) for a location near you.

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