Category Archives: Retirement Guides

Retirement Destinations for Seniors

Worldwide Affordable Retirement Options

Whether you’re a seasoned traveler, or you’ve saved your big overseas trek until now, what better way to spend your well-deserved retirement than to go abroad? Millions of Americans decide to pack their bags, and venture out of the U.S in the pursuit of their “American Dream.” The cost of living outside the U.S. is surprisingly affordable, so even those with a smaller nest egg can live comfortably. These hot spots offer budget-friendly living, paired with a luxurious cultural experience.

Are the Blues Making You Lose Sleep?

Experts recommend adults get 7-8 hours of uninterrupted sleep each night, but how many of us are still lying awake counting sheep? I personally don’t recall the last time I slept in, and it seems like today’s society is all about how much one can get done in a day with sleep deprivation almost becoming a bragging right. Not only are we trying to burn the candle at both ends, but technology is actually sabotaging the ability to wind down, and switch our brains to the off position.

Settling down at night with an e-reader or surfing the net may sound benign, but research has shown that the “blue” light emitted from our devices actually stimulates the brain into wake mode having a profound effect on sleep patterns. Melatonin is the hormone responsible for a healthy sleep rhythm, and according to the National Sleep Foundation, is naturally released into the body as the sunsets. An article published by Harvard University found people losing sleep from nighttime lighting particularly blue light, had an increased risk of pre-diabetes, obesity, and lower levels of melatonin.

What Makes an Active Lifestyle Community?

What a 55+, or age-targeted community is not, is a retirement facility. In fact, most of the people who buy homes in these communities are far from retiring, yet find the lifestyle, and amenities the perfect fit for their active lives. Basically, you get to pick your flavor whether you’re a serious golf enthusiast, a nature lover, or a gym rat. These communities are scattered throughout the country with a variety of geographic locations from urban to rural. Some provide lavish resort-style amenities, and others are simpler offering only exterior home maintenance. Age-targeted or age-restricted, active lifestyle communities are made for today’s on-the-go boomers, and empty nesters wanting less maintenance and a peer community atmosphere.

Making Your Next Fifty Years Your Best Fifty Years

When developer Tony Berry of The Berry Companies started thinking about creating his first 55+ active adult community, he knew it would need to be unlike anything he’d seen before. Berry understood that while today’s population is aging, people are living longer and they want those years to be active, productive, and meaningful. On top of that, they want to be able to “age in place,” transitioning as their needs change without having to change their address. That meant a variety of housing options along with an uncompromising collection of features and amenities.

Now, just a few years later, Berry’s vision is quickly becoming a reality. Revel at Carolina Park, a 45-acre active adult gem situated inside one of the Mt. Pleasant, South Carolina’s premier master-planned communities, is just a few months away from welcoming its first residents. Located minutes from historic Charleston and some of the east coast’s favorite beaches, Revel at Carolina Park is preparing to set a new standard for 55-plus living.

Revel at Carolina Park can really change the way people look at living their second 50 years,” said Berry. “We’re creating a thriving, connected, wellness-oriented community for people 55+ who are looking to enjoy a simpler lifestyle and make the most out of every day.”

What is Better, Financing or Paying Cash for your New Home?

Taking on a mortgage would be the natural consideration when the question of purchasing a home comes up. However, a lucky few don’t have to do this. Most retirees, who are downsizing, may find themselves with the options of financing or paying cash. Which one would you choose?

The accumulated interest, on the mortgage, would have significantly increased the total cost of your home. Because of this, owning a home free and clear may be extremely appealing. You will have more money to enjoy retirement without having to pay a mortgage. In addition, paying cash for your home also enables you to negotiate a better price. But, then again, interest in your mortgage may be tax-deductible.

How to Prepare Financially for Retirement

There comes a time in your life when you will either leave work or opt for a quieter and laid-back life. However, unlike in the past, we are no longer assured of living solely on our pensions or retirement savings. Instead, it is up to us to set up the right plan to ensure we live comfortably during retirement. Here are a few steps on ensuring a bright future.

Planning for Retirement

A comfortable future with a nest egg requires planning. Take into account the total value of your assets and debts and ensure it is a positive number. If it is not, consider what can be done to make it positive. Consider the amount you need to reach your goal. This should be something that enables you to live comfortably. Making a budget will allow you to see your expenses and enable you to deal with them first.

Tips For a Healthy Spring Makeover

Tips For a Healthy Spring Makeover

With winter behind us, and longer days ahead, the coming months are an exciting time to revisit those January resolutions and kickstart our health goals. As markets become more bountiful, and sidewalks thaw out to make way for running shoes, the energy behind this seasonal shift has an irresistible way of getting us off the couch, and out into the open. From cleaning up our diets to developing a solid routine, our homes aren’t the only ones that can benefit from a spring cleaning.

Find Joy in What Moves You
If you have a love-hate relationship with exercise, you’re not alone. Nothing puts the brakes on a fitness routine like a workout that feels more like a chore, so if slaving away on the treadmill isn’t feeling inspiring, consider changing it up! Now that the weather is warming up, find a form of movement that motivates you like riding a bike, running, hiking or even taking the dog on a brisk morning walk. The Centers for Disease Control recommends at least 150 minutes of moderate aerobic activity per week which doesn’t have to be regimented exercise, and can easily include anything from yard work to reaching the top of a breathtaking summit.

Forget Downsizing – Boomers Want More Square Footage

What constitutes a happy, and fulfilling life? Quality of living is having healthy social relationships, including exercise each day, and loving your surroundings. This concept is why active lifestyle communities do what they do. Recognizing what’s important to today’s discerning baby boomers, active adult communities are designed to meet their needs, offering an all-encompassing experience for this next chapter.

Back in the day “retiring” meant cookie-cutter smaller-scale housing, playing bingo, and getting old. This couldn’t be further from the truth in today’s age where folks are continuing to work well beyond 65, and want to get a head start finding their ideal home. According to an article written by Forbes, the demand for homes within 55+ communities has become increasingly popular, as are the amenities these homebuyers are seeking. It’s gone way beyond the idea that the kids have moved out, let’s downsize. Buyers are taking the opportunity to go bigger, and better looking for luxury features, in prime locations to perhaps pursue around two careers or just savor their hard-earned retirement.