Category Archives: Lifestyles

Financial Reasons to Continue Working after Retirement

Financial Reasons to Continue Working after Retirement

For some older adults, retirement does not mean playing golf all day and sipping iced tea at the beach. For these older adults, it means continuing working after retirement. This is because, some retirees, although they don’t want to work, do so for financial reasons. Here are some of these financial reasons.

  • Inadequate savings – Many boomers put off saving for retirement, and this becomes an issue when it is time for retirement. It means they have to continue working or get another position in order to ensure retirement without financial worries.
  • Delaying the receipt of Social Security – Full retirement age is 67. If you wait till you are 67 to collect social security, you are assured of a larger sum of money than if you were to collect social security before 67. Most seniors prefer working till they reach full retirement age because then, they can build up their nest egg and this ensures a comfortable retirement.
  • The need for health insurance – Medicare coverage does not begin till you are 65. The cost of medications can take up quite a lot of money. So, this means if you retire before you are 65, you will not receive health insurance. However, if you retire from one job and take up another, with health benefits, you can apply for health insurance. Then, you can use your workplace health insurance, as well as, Medicare’s coverage to ensure lower medication costs.
  • Loss of value of investments – Sometimes, older adults continue working after retirement because they have lost money in various investments. The stock market, for instance, is extremely volatile. This volatility can affect your investments. For example, if the housing market is in a downward trend, you can be in a bad financial situation if you were planning on selling and moving to an active adult community. You may have to postpone this dream until you have covered your losses.
  • Receiving the pension while working – Some companies enable their employees to retire, and provide a pension. The same company will then rehire the employee. This allows the employee to receive pension checks while working, which will help increase his/her savings, which allows him to save up more for retirement.

Money is a big worry for many retirees. However, this worry can be alleviated if you are continually working after retirement.

This article is by ActiveAdultLiving.com®, the best website for information on active adult communities.

Helpful Home Maintenance Tips for the Fall

Helpful Home Maintenance Tips for the Fall

Fall is here. This means your home is going through yet another change in temperature and weather conditions. Your home goes through so many changes; you really need to conduct seasonal maintenance every season. If you have not prepared your home for this fall, here are some helpful home maintenance tips to get you, hassle-free, through to winter.

Check the Gutters and Downpipes for Debris

The roof is something we often overlook when considering the changes a home goes through every season. If you don’t want your gutters to overflow and your downpipes to get clogged, you need to check them for debris and clear them. You will be amazed at the leaves and debris you find in them! Check the downpipes for any damage too. Run a check on any opening, such as skylights and the flashing around your chimneys. You can avoid wet floors and accidental falls that result from this.

Technology gadgets for seniors

Technology Gadgets for Seniors

Seniors are quite tech-savvy these days. Give them an Ipad and they know exactly what to do with it. More than 80% of seniors know how to use the internet. If you are not one of these seniors, it’s time you got with the program.

Here are a few technology gadgets you really need in your life.

  • Desktop/Laptop Computer – A desktop computer is a good thing to have if you are working from home. Many retirees use desktop computers for working, ordering medications, and, sometimes, shopping. Although desktop computers may be replaced with laptops, it is still familiar to seniors, and many prefer using desktop computers to laptops.
  • Cell Phone – If you don’t have one of these by now, you are so late with technology. A cell phone is vital anywhere you go. Having a cell phone with you at all times is excellent especially in an emergency. Although a majority of seniors own a cell phone of one type or other, many still are not comfortable with one.
  • E-Reader – This may not be a popular method of reading for many seniors, but it is one that is catching up fast. Although many seniors prefer the old-school method of reading, quite a number of seniors can be seen reading books in digital format too.
  • Social Networking Sites – Most active adults are quite familiar with Facebook and MySpace and other social networking sites. Although this too, was approached with wariness, more and more seniors are now getting pretty active on social networking sites, and loving every minute of it!
  • Broadband Connection – The internet use of seniors has grown exponentially over the years. Although this was a rare sight, in the beginning, it is now not uncommon to see a senior, over the age of 65, clacking away at the computer and using Google to find information.
  • Email Account – Gone are the days of letter writing. Say hello to email. Every American has an email account including over 55 seniors. Although you may be a bit reluctant to open an email account, you are sure to enjoy its benefits once you become familiar with it.

Although you may be wary of all these technology gadgets, it is time you faced the fact that you live in a digital age. So, become a tech-savvy senior and give your kids and grandkids a run for their money.

This article is by ActiveAdultLiving.com®, the website for comprehensive active adult community information.

Easy and Tasty Labor Day Weekend Barbeque Ideas

Easy and Tasty Labor Day Weekend Barbeque Ideas

It is time to put away the bikinis and board shorts and sunscreen and pull out coats, scarves, and hats. The Labor Day weekend is almost upon us, and if you have decided on a barbeque to celebrate the end of the summer, here are a few ideas for a tasty Labor Day weekend barbeque.

Grilled Steak Burgers with Port Wine Spread

This is a tasty Labor Day weekend treat that will have your neighbors and friends coming back for more every year. All you need are well-grilled and seasoned patties, Ciabatta bread, melted cheese, and a port wine spread. The port-wine spread can be made by heating 1 tbsp of olive oil and adding shallots and cooking for 1 -2 minutes under medium heat. Pour in the wine once translucent and add beef base and water after a quick boil. Stir. Simmer the mixture for 20 – 25 minutes and remove from heat and cool once the mixture has thickened. Mix this slowly into mayo and place in a container and refrigerate until ready to use. Season beef patties and grill and place in Ciabatta bread and serve hot. Yummy!

The Three H’s of Autumn

The Three H’s of Autumn

The shorter summer days and crispness of the air are nature’s signals that it’s time to start preparing for winter. Depending on the climate where you live or are considering moving to, the list of tasks may seem endless. Here’s a shortlist of tasks that can be checked off your to-do list no matter where you reside.

Health

Taking care of your health is a top priority when preparing for the winter months. Autumn is the ideal time to visit your primary care physician (PCP) to make sure you’re up-to-date on your vaccines and preventative health exams. Medical experts advise getting your annual flu shot in October for optimal protection from the upcoming flu season. Both the shingles and the pneumococcal vaccines are recommended for people over the age of sixty-five. It’s also a good time to discuss boosters with your physician. The tDAP and COVID-19 boosters may be required to keep you safe.

How to Make New Friends in an Active Adult Community

Meeting new people and forming new friendships can be a great experience for some 55+ seniors. Others feel nervous about this aspect most of the time. Moving to a retirement community is an excellent way to make new friends, especially as they share the same interests as you.

6 Reasons to Work Past Retirement Age

When thinking of retirement, we think of sitting on a beach and sipping a mojito or hitting the golf course. Of course, this is the dream, is it not? However, some seniors need to work after retirement due to financial concerns. There are still others who prefer to work, past retirement, because it gives them a purpose and makes them happy. Here are some reasons to work past retirement.

10 Bargain Retirement Destinations

Buying a home can be expensive with a volatile market. However, luck may be on your side as there are some places that provide you bargains when it comes to buying your home. Although this may be devastating for the homeowners, for you, it is a great wish come true! You get to live in a place that was beyond your budget a few years ago. Here are ten bargain retirement destinations to consider.