March 28, 2018
By Janet Campbell [email@example.com]
As a senior, there may be several reasons for wanting to downsize your home. You may want to move closer to loved ones, to a warmer area, or because of financial reasons. Whatever the case may be, there are certain steps that can ensure that a smooth and easy transition.
Finding the Right Home
Deciding on the right home for your golden years can take a bit of reflection and research. Before attempting to downsize your current home, make sure that it is a financially viable solution. Typically, if you can’t cut your living expenses by 25 percent, it may not be a suitable option in the long run.
If you know that it makes sense financially to downsize your home, there are many other things to consider; your lifestyle is an easy place to start. For example, perhaps you are still working and need a dedicated office space. Or perhaps you intend on having family or other guests visit, and need extra living space. Other factors to consider are purely practical: How easy is it to move around? Can you access all of the appliances? Is it in the right location for your needs? Is a condo or single family home more practical? Try to brainstorm everything you are going to require, and see to it that your new living situation meets those needs.
Once you have established where your new home is going to be, it’s time for the hard part: deciding on what to keep and what to get rid of. The floor plan of your new home is key: if you know what furniture and other possessions will fit and what won’t, it will make the decision process much easier.
An article published in the New York Times outlined some of the benefits of hiring a professional moving manager for seniors. These moving managers specialize in helping seniors make the tough decisions, such as what to store with relatives, what to sell at auctions or liquidate, and what to throw away. They also take the brunt of heavy lifting, which can be extremely hazardous for elderly people to take on. Furthermore, they allow you to separate yourself from the moving process, which can be a daunting and potentially traumatic experience.
Making the Move
A moving checklist can help make your move as organized and smooth as possible. This checklist includes creating a division of assets—a who gets what—among your family, friends and loved ones. This should be done well in advance of the move date to avoid any contention in what can already be a stressful time. Be assertive about re-homing your items, and don’t focus on what you’re losing, but on what you’re giving to someone else. Keep the belongings that are most sentimental to you, and be willing to settle for photos of anything you simply don’t have the room to keep.
Pack one room at a time and be strategic — put clothing, linens, and small accessories in suitcases instead of boxes, for example. Use small boxes for heavier items and large boxes for lighter items to make for easier transport. Labeling boxes for what goes where can also save time and improve efficiency.
The most important thing to remember when downsizing and moving to a new home is to be patient with yourself. Make extra time for you throughout this process by eliminating tasks you may not necessarily have to do. For example, consider a grocery service, dog walking service or dog boarding service. By employing such services, you will save yourself both time and hassle so that you can focus on the somewhat difficult process of moving.
Because moving from a beloved home into an unfamiliar one can be an emotionally trying time, so allow yourself space to grieve and don’t hesitate to reach out to family, friends, religious leaders, or a counselor for support. Once you’ve had time to heal, you’ll see the beauty in living a simplified life and be glad you made the change.
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March 27, 2018
By: Darleen Mahoney
The baby boomer generation is no longer the generation of shuffleboard, craft nights, and pot roast for dinner in the dining hall. They want more, they are demanding a different lifestyle.
Now that we have that in the open, what do baby boomers want in their retirement homes? How do you go about getting not only what you want, but what you need?
The best advice: do copious amounts of research on what is available in the location that is ideal for you – including additional support nearby and social opportunities available – and be realistic about your long-term physical needs, your financial resources. “It’s important to align the emotional, social and financial parts of retiring,” says Denise Leish, a financial adviser in Silver Spring, Maryland.
The basic foundations in a retirement community that you should look for:
- Transportation – Senior transportation programs
- Parks nearby and walkable neighborhoods
- Safe neighborhoods-check the crime rates
- Health care- Available health care nearby with doctors that accept Medicare, specialists, and hospitals
- Other services – Meals on Wheels and other Senior focused services
- Shopping, Grocery Stores and Restaurants – Close enough that you will be able to get out and enjoy the community and social activities without a long drive.
- Social Integration – Neighborhood activities, programs, travel opportunities, etc.
Sara Little, 68, and Barbara Shaver, 69, offer a few pieces of advice on making a move into retirement especially if you decide to relocate to a new area, make sure you like the area before you buy and do it while your still young and can enjoy it. They moved to an over-55 community in Sarasota, Florida, they rented nearby to make sure they’d like the area. At the core of their decision: They had “some grounding” there, Little says.
“We had friends who already lived here, and more were moving here,” Little says. “We also got involved in church right away and in activities like swimming and sailing” https://www.cnbc.com/id/100549801.
In response to baby boomers’ demands for a different kind of retirement lifestyle, many developers are designing communities with a village feel to them to include shopping, dining, professional services and community programs. One good example is The Villages in Central Florida, which calls itself the “premier active adult community”. It is quite large, with an estimated 157,000 retirees, it touts its own zip code and daily newspaper. Another example, The Classic at Hillcrest Greens, is built on the site of a former golf course in the western Wisconsin community of Altoona. Its amenities include a restaurant, yoga and fitness studio, game room, library and a salon.
Its fair to say that there is something for everyone if you are entering the age of retirement and a 55+ community is an option. You no longer must settle for a retirement community whose only activities are shuffleboard and golf, there is so much more! Spend some time and do your research. Know what is available and don’t be afraid to ask questions and visit these locations and get to know your future neighbors.
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February 27, 2018
By: Darleen Mahoney
Texas is at the top of many retiree’s lists when looking for their ideal state to retire and enjoy their “golden years”. What does Texas offer that is attracting retirees, specifically Baby Boomers, to the Lone Star State?
Texas is the second largest state in the country and offers a wide variety of topography and open spaces for them to live around. The choices range from mountainsides with views of plains and prairies to coastal plains and forested hill country. There are independent and active adult communities new and existing with the amenities and social opportunities that retirees may be looking for today. If you are looking for a fast-paced town with concerts and night life or peace and quite in a natural environment, Texas has them all. http://www.nic.org/blog/key-takeaways-lone-star-states-seniors-housing-market/
While Florida is clearly still at the top of the list for many retirees moving from the North to enjoy the sunshine and beaches, Texas offers many of the same attributes in their weather conditions, which can be a big draw. The mild temperatures vary within the state and provide many opportunities for retirees who want hot summers and cool winters, like San Antonio or Austin. If they prefer a bigger city with a lot of diversity and activity, baby boomers may be attracted to Houston and Dallas, even though they have higher humidity during the summer with more rain.
While some of the biggest draws are the weather, topography, and local activities; it may come down to the brass tacks of affordability. Texas has lower taxes, a lower cost of living, and a reduced tax rate (including no personal income tax). This is important because a retiree with a fixed income is going to be able to make their budget go farther. Therefore, it’s no surprise the state of Texas would be considered one of the best places to retire financially.
Whatever the reasons – varied landscape, warmer climate, diverse cities, or affordability- Texas is attracting retirees. Texas active adult communities are growing to accommodate this emerging growth, meet the needs of the Baby Boomers, and ultimately become a retirement destination for active adults.
Visit us on www.seniorlivingguide.com , click on Texas to visit different Senior Housing available in the Lone Star State.
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February 12, 2018
By: Darleen Mahoney
I could review the statistics of heart disease in America and the surprising fact that women are more prone to die from heart disease than men or that it is the leading cause of death over cancer. Yes, that’s right! Cancer!
“In the United States, 1 in 4 women dies from heart disease. In fact, coronary heart disease (CHD)—the most common type of heart disease—is the #1 killer of both men and women in the United States”. (https://www.nhlbi.nih.gov/health-topics/heart-disease-women).
At the end of the day, the important facts that we need to know are how to help prevent heart disease in our everyday lives and the signs that we may be in “trouble” and need to seek medical attention.
Preventing heart disease can be challenging for those who are conditioned to living an unhealthy lifestyle based on their choices of food, alcohol, exercise, etc. Getting healthy doesn’t happen overnight and must become a way of living, not a short-term solution to a medical issue.
Healthy living choices to help prevent heart disease include:
● Eat healthy.
● Get active.
● Stay at a healthy weight.
● Quit smoking and stay away from secondhand smoke.
● Control your cholesterol and blood pressure.
● If you drink alcohol, drink only in moderation.
● Manage stress.
Have you ever been surprised to hear that someone who was “perfectly healthy” died of a heart attack? The people close to that person said, “he was never diagnosed with cardiovascular disease, we all thought he was perfectly healthy. Who knew?” Everyone is shocked when this happens. This is because someone might not be diagnosed with cardiovascular disease until he or she has a heart attack, stroke, heart failure or angina. Therefore, watching for heart disease symptoms prior to a heart event is critical.
According to Mayo Clinic, (https://www.mayoclinic.org/diseases-conditions/heart-disease/symptoms-causes/syc-20353118), symptoms in men and women can be different. Men will more likely have chest pain, while women may experience chest pain/discomfort along with shortness of breath, nausea, and extreme fatigue.
Other symptoms may include:
● Pain, numbness, weakness or coldness in your legs or arms if the blood vessels in those parts of your body are narrowed
● Pain in the neck, jaw, throat, upper abdomen or back
There are also various other symptoms for different types of heart disease:
● abnormal heartbeats (heart arrhythmia’s)
● heart muscle (dilated cardiomyopathy)
● valvular heart disease
● heart infections
In a nutshell, all these different types of heart disease have 3 symptoms in common and they are your keys to knowing that you need to seek medical attention right away. They are chest pains, shortness of breath, and fainting.
Heart disease can be treated more proactively when treated early on. Contacting your doctor to discuss your heart health concerns is being proactive in a longer, happier, healthier heart and life.
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January 22, 2018
By: Darleen Mahoney
Being financially prepared before and during retirement is integral in assuring a comfortable and less stressful “golden years”.
Knowing what your retirement bills will look like verses your work life bills and expenses are helpful in budgeting. You may save money on commuting expenses and buying expensive clothes, work lunches and multiple co-worker “life events” financial contributions, but what is the offset in your income?
The first thing you would want to do is assess your finances. Any good budget begins with understanding of your current income and expenses.
Your biggest expense in retirement will most likely be your housing. If you can pay off your mortgage before retirement this will eliminate your biggest monthly expense. If you are unable to do this, you might find it beneficial to downsize and decrease your monthly mortgage, cashing in on any equity to help build up your nest egg. You may also want to consider retirement living and active adult retirement communities as options as they can offer turnkey solutions for long term home stability.
The other biggest expense during retirement will be health care expenses. It is imperative to do a deep dive into what is available to you, especially if you retire before being eligible for Medicare. You may also want to consider budgeting and saving for long term care expenses, as you or your spouse may need them.
Tracking your expenses with online budgeting tools can also be a real eye opener on where your money may be going. Budgeting tools like Mint and You Need a Budget will sync with your bank account and will be able to track where your money goes. https://money.usnews.com/money/blogs/on-retirement/articles/2016-08-10/7-tips-for-budgeting-in-retirement
Additional recommendations you might want to consider:
• Have fun-watching TV is not a healthy way to live and these should truly be the years that you have worked so hard for!
• Emergencies! – Big ticket items like New AC, Car repairs, new refrigerator, etc.
• Avoid Debt!
Most retirees have a fixed budget where they may live on a month to month income, creating a budget and being prepared will allow you the opportunity to enjoy your retirement with less financial stress.
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November 1, 2017
Written by Adinah East
The Sandwich Generation Statistics 2017 That You Need To Know Now
Being a part of the sandwich generation is a common phenomenon for many adults in their 40s and 50s. Many of these Gen X adults find that they are caring for their parents that are aging as well as the children that they had later in life all under one household. While caring for both a parent and a child can tax your abilities and spread you thin at times, it can prove to be a positive situation for all involved at times.
Having your parents under the same roof as your children can work to develop a family a family bond that is stronger than ever. A survey by the Pew Research Center suggests that 31 percent of adults in this dual caring role are very happy with their lives and another 52 percent say they are pretty happy. These positive sandwich generation statistics 2017 are similar to adults that are not a part of the sandwich generation, making both harmonious living arrangements.
Breaking Down The Sandwich Generation Facts
When we look at the sandwich generation facts, as many as 48 percent of adults under the age of 50 have financially supported at least one grown child in the past 12 months. Of this group, 27 percent are the primary financial supporter of their children. When we look at the sandwich generation facts and how they relate to parents, as many as one in five adults have offered a form of financial support to their elders, in the past year. These sandwich generation statistics 2017 indicate that most adults will be a part of a sandwich generation scenario at some point in their life, if not now, then in the future.
Breaking down the sandwich generation facts even further, we see that Hispanics take on the role of caregiver for elderly parents and children most often. Over 30 percent of Hispanic adults have a parent who is currently over 65 and care for at least a child in their family. In comparison, 24 percent of whites and 21 percent of blacks have the same caregiver relationship.
Most sandwich generation adults are middle aged with 71 percent of the group aged 40 to 59. A total of 19 percent is younger, and 10 percent are age 60 or older. Both men and women are tasked with the role of caregiver for their parents and children with equal percentages found for each gender in the study.
When we look at the sandwich generation statistics 2017 regarding income, more families that are affluent with an income of $100,000 or more take on the role of caregiver for their children and parents than not. This doesn’t mean that these families are less burdened financially as they have the same stressors as any adult that enters into a caregiving role for a parent while taking care of their family. These sandwich generation statistics 2017 break down with 43 percent of sandwich generation adults making $100,000 and 25 percent making between $30,000 and $100,000. Only 17 percent of adults caring for a parent and child make less than $30,000.
When you look at the sandwich generation facts, any adult can really find themselves as a part of this generation by caring for an aging parent and young children. The sandwich generation has no boundaries and is not dependent on income, race or gender. If you are considering being a caregiver for your parent as well as your family, the Caring People Inc blog will explain in depth what the sandwich generation is and how your life will be affected in this role.
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September 11, 2013
Courtesy of Hannah Whittenly [firstname.lastname@example.org]
The risk of getting osteoporosis related conditions after the age of 60 are more than 50% for women and more than 25% for men. There is no cure for osteoporosis, order but there are some treatments available. However, hospital it is better to work at preventing this condition. Following are 5 steps that will help you maintain healthy bones after 60 –
Calcium is necessary for blood to clot properly and efficient functioning of nerves, muscles and the heart. However, Calcium’s most important function is maintaining healthy bones in the body. The daily calcium intake as per NOF (National Osteoporosis Foundation) is 1000 to 1300 mg per day. Also, you have to take Vitamin D in supplement form or naturally because it is needed for the body to absorb Calcium.
Smoking is a major risk factor that promotes osteoporosis in the body. This is because your bone density gets affected by smoking. Also, there are multiple other bad effects of smoking on the body like promoting lung cancer, bad dental health, etc. Hence, it is recommended that you stop smoking.
Avoid Alcohol Intake
Alcohol is another risk factor that is often associated with bad bone health. Anything in excess is always harmful and consuming more than 50 units of alcohol per week for men and 35 units for women are considered to be high level. Its use should be limited.
Get a Bone Density Exam
If smoking and alcohol has been used the best way to determine your status would be the bone density test. This test would reveal if you have osteoporosis and what the risks are of you get it in the future. Basically, it is a barometer of bone health and you can get it to measure mineral levels.
Consult the Doctor
Your doctor would have information about how to prevent osteoporosis and maintain bone and dental health. Indianapolis dentures and dental services could give you tips, while discussing diagnosis and treatment options that gives you the best options for your situation.
Exercise Program Consisting of Weight Bearing Exercises
The best prevention against Osteoporosis is to have strong bones and that can be achieved by performing weight bearing exercises on a regular basis. These exercises include dancing, walking, racquetball, hiking, tennis and jogging. If you have not exercised before this, consult your doctor before you perform any of the above exercises since your body is not used to the exertion.
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Courtesy of Karen Miranda [email@example.com]
Units for senior living in San Diego can be easy to find. People can look for these on the net and screen by price, location or features. People will find both basic units as well as properties in the luxury category. Many properties will be ones that are in between the two extremes.
The introvert and the extrovert
Some seniors like to live fairly quite lives. They may enjoy hobbies and solo activities, family and friends or outings that they choose to share with a partner or friend. These seniors often want a place that is nice but do not need a lot of different amenities.
There are also lively extroverts that thrive on human contact. This group may be interested in a property that has an active social calendar. Many places are offering a calendar of events on the website that gets updated often. This can guide people as to when parties, events and clubs meet at the complex.
There can be specific features in a floor plan that makes one unit a better option than another. People can find units here that have modern floor plans like open concept styles. These often have the edge over galley units in terms of storage space and counter space. Some of these may have kitchen pantries.
Another thing to look for is a bedroom that has a large closet. Many units in this area have walk-in style closets that can hold other items besides just clothing. Units that have more than one bedroom will often have an en suite master bath. This usually has more upscale features than other baths in the unit such as dual sinks in the vanity, and a separate shower stall and tub. The newest units also place the toilet in a small room by itself.
One feature that many seniors like to find is a balcony or patio. Many like to have one that is large enough for four chairs and a table as this can be a great place to dine or play cards with friends. Seniors also use this space to house a BBQ or possibly a small garden with tomato plants and herbs.
Many seniors have pets and there is no reason why pets can’t live in apartments much of the time. Some complexes will limit the size or breed of dogs and there are often other things like pet security deposits to consider.
One great option is Peppertree Apartments located in Spring Valley CA. Visit them online or on SeniorLivingGuide.com here – http://www.seniorlivingguide.com/DB/facilities.tpl?sku=20130911082350
Peppertree Senior Apartments offer a comfortable and affordable housing option for seniors. Choose from one and two bedroom floor plans featuring spacious interiors and the modern conveniences that make your home a true haven. Every detail in your new apartment will feel like it’s been customized just for you.
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September 9, 2013
Courtesy of Jayla Barnsen [firstname.lastname@example.org]
Retirement should be a time in life that invites relaxation and the end of life’s little worries and concerns. However, for some people, this is simply not true. If you’re ready to retire, you’ll want to simplify the rest of your life to minimize concerns using these five methods.
5: Cut Housing Costs
If you’re approaching retirement, you’ll want to start asking yourself some basic questions to help minimize your costs when you no longer have working income. For example, can you handle living in a place that is smaller and costs less than your current home? This would not only help you save on the general mortgage cost, but it would also cost less to use your utilities as well, such as heating and cooling. If you have any items that would not fit in the new place, you might consider a storage center to house them temporarily.
4: Cutting Other Costs
Similarly to reducing your utility and home bills, there are other ways in which you can cut the costs of every day living. For example, if you don’t always watch the special channels on the television, you may wish to consider getting the basic cable channels only. Alternatively, if you do not regularly stream videos on your computer, you might want to downgrade your Internet package for reduced speed at a higher savings in your wallet.
3: Consider Paying Bills Annually
If you pay your bills on an annual basis, especially if you bundle services like cable with Internet and phone, you don’t need to worry about coming up with new money every single month and can instead focus on enjoying your retirement a little more.
2: Automate With Online Banking
Online banking can help you automate your Social Security income and also allow you to go paperless. In addition, you can use this technology to pay your bills without incurring a fee that brick and mortar banks might demand, which further reduces your overall costs each month. Some services will also enable you to automatically transfer a portion of your income to a savings account to help that money grow for whatever plans you may have in mind.
1: Consider Online Budgeting Tools
Some online services can help you create a budget that dictates how much you will want to limit your spending on housing, transportation, dining out, travel and other random expenditures.
These are just a few of the different ways in which you can simplify the rest of your life following retirement.
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Courtesy of Casey Haslem [email@example.com]
Although you are not going to be the first one to admit it, you are starting to recognize how old you have become. Some people are tempted to let their health fall to the wayside when you reach a certain age, but this is not something that you want to do. These five tips will help to keep your teeth healthy.
A Special Dentist
When you are working with the professionals at Charlotte Family Dentistry, you should ask if anyone is available who specializes in working with individuals who are of your age. Not only does this allow you to get assistance that is more geared to you, but you will also probably feel more comfortable with the situation.
Keep Brushing and Flossing
You might want to stop brushing and flossing your teeth as regularly as you once did. You might have the attitude that these rules are for younger people and they do not apply to you. These thoughts simply are not true. No matter how old or young you are, you need to ensure that you are always properly maintaining your teeth. They will thank you for it!
Watch Your Foods
Another misconception you may have is that you should just eat whatever you want since you are older now. Just because you are older does not mean that you should give up on all components of basic health. You still have a lot of life to live, and eating bad foods can be negative for both your teeth and your overall health. Sure, a treat here and there is fine, but you want to work on eating foods that are better for you during most of the day.
Keep Going to The Dentist
As you age, getting to the dentist might become a burden in a multitude of ways. For example, you might be unable to drive anymore, so you need to ask someone else to take you around. Remember, you have family and friends who love you and who would be happy to help.
Don’t Hide Pain
You may also be tempted to conceal your pain. Maybe you do not want to deal with any other health issues, or you do not want others to see you as well. Whatever the situation is, remember that the dentist is there to help you and that your oral health is related to your overall health.
Keeping your teeth healthy at an old age can be a challenge, but it certainly can be done with some advice and support.
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