Category Archives: Learning and Education

Senior playing a musical instrument

The Benefits of Learning to Play a Musical Instrument

The melodious strains of a piano or a guitar conjure images of sitting by a fireplace, enjoying a cup of hot cocoa, on a cold winter day. Music has always been a pleasure and way of escaping for many. Listening to music or playing a musical instrument has many benefits. It brings joy to you and to those around you. Do you know how to play a musical instrument? If you were too busy before, now is the perfect time to learn to play a musical instrument. Here are some benefits of doing so.

Senior students are preparing for the classes

Considering Going Back to School?

Retirement is not only about moving to warmer climes and playing golf all day. It can also be a time for considering continuing your education. If you didn’t have time to get a degree, retirement promises to be the best time to pursue it. Many colleges and universities have made it easier for retirees to go back to school and obtain their degrees. Although it can be a bit intimidating, it is well worth it. Here are a few points to consider if you are considering going back to school.

Senior Working Online

55+ and Hating Computers? Here are Some Encouragements to Brush up Your Techy Skills

Technology is becoming a part of our everyday life whether we like it or not. As seniors, we may not wish to embrace this new concept, but what choice do we have. As the saying goes “we have to move with the times, or be left behind”. So, what should seniors do? Do we embrace technology and learn all we can on how to operate a computer and its many search engines? Yes! Let’s become more tech-savvy and “chat” with our friends on Skype, be “friendly” on Facebook and stay connected with family, friends, and caregivers through the internet while learning all we can about what this great invention can do.

Which Type of Mortgage Loan Would you Choose to Buy Your Home?

If you have decided to buy a home to retire in, it is time to act fast and get your mortgage. But wait! Things have changed significantly since the time you may have walked into a bank and gotten a mortgage for your first home. Did you know there are different types of mortgages? Which one will you choose when buying your home? Having a basic understanding of these mortgages will help you choose the most suitable. Below are three popular mortgages that can be considered when purchasing a 55Plus senior home for retired living.

Senior man working on computer at home

Online Telecommuting for Seniors

Retirement is all about relaxing and enjoying life. However, there might be a time when you are either a bit bored from sitting around home enjoying the good life or when you need a few extra dollars to supplement your income. Either way, you can still choose to work and earn an income, even past 55+ age. There are many activities or jobs you can consider engaging in without sacrificing your new-found freedom. One of the best options might be to find a telecommuting job that allows you to work online, from the comfort of your home.

Are You a Senior Seeking a Job After Retirement?

When Time is at Hand After Retirement, How do You Find another Job?

Retirement may be all exciting in its early stages. However, it can get boring when you have nothing but time on your hands. This may prompt the thought of returning to work, at least on a part-time basis. Are you seeking re-entrance to the workforce, now that you have thoroughly enjoyed some time in retirement? If so, there are a few factors that you should consider before applying for a job.

Why Everyone Should Microchip Their Pet

When I adopted my ten year old little guy from the Oregon Golden Retriever rescue last year, he came with contracts, medical records, and most importantly a microchip. Should he ever go missing, his chip is registered with the rescue organization’s information, and of course to me. Millions of dogs, and cats are found without any form of identification when their tags become lost, or they were never properly tagged in the first place. When you hear success stories of happy reunions with beloved pets more often than not it’s because they were microchipped. According to the American Veterinary Medicine Association, a study showed shelter pets outfitted with a microchip had a 74.1% higher success rate of being reunited with their owners versus those without one.

A microchip is a tiny device about the size of a grain of rice that is implanted with a hypodermic needle under the skin. It is as quick, and straightforward as a standard vaccine, and once in place should be registered with the owner’s contact information. Veterinary offices, and ASPCA’s are equipped with handheld scanners that find the chip so they can access the unique ID number assigned to it. In an article by Petco Corporation, they advise that owners have their vet scan the chip once a year to ensure it is still in place, and still working correctly.

How A Reverse Mortgage Can Equalize the Distribution to Heirs By David Brown

We hear and have seen when the last parent dies, the subsequent concern of equal distribution of the estate proceeds among the siblings and family heirs. Before this happens, take this into consideration. One parent has died and the pension and social security goes away as well. Accordingly, the surviving parent needs financial assistance each month to cover the small mortgage and other costs to maintain their own health and lifestyle. One of the four siblings will have the ability and heart to offer their parent a $2,000 per month allowance to assist with expenses and needs. Let’s say this continues for another 4 years before this parent also dies.

The heirs/children read the will and the $500,000 estate is to be divided equally 25% to each child or $125,000 for simplicity sake. But what about the child who gave the parent $2,000 per month for 48 months and would like to get some or all of this out of pocket cost back? They are out of luck even though they advanced the parent $96,000 over the last 48 months. They are only entitled to their 25% of the estate or $125,000 for a total net inheritance of $29,000 while the others each have a net of $125,000. Regardless of any other circumstances, in this scenario, there will be some resentment and hurt feelings by this good hearted child who just wanted to do the right thing on behalf of their parent.