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Can you Afford Retirement?

by Carla Griffin on January 10, 2022

 

The most important factor in retirement is money. For some of us, this is a great problem. Can we afford to retire? Do we have enough money saved up to live comfortably for the rest of our lives? Here are some factors you need to consider if you are wondering whether you can afford retirement.

Your Current Income

A look at your current income is a good place to begin when considering retirement. According to sources, you need 10 to 16 times your salary saved by the time you hit retirement. Is your current income suitable for this? Of course, this depends on other factors too. For example, if you downsize your home or move to more affordable areas, you may be able to live on much less. So, take this and factors, such as travel expenses and expenses in case of emergency or accident into account before you retire.

Potential Retirement Income

This is how much money you are expecting once you retire. You may have a 401(k), Keogh or IRA accounts to finance your retirement. Then, you may also be getting Social Security and money from stocks and bonds and various other investments and savings. Take all these into account and deduct the expenses that may incur on a day-to-day basis. If you have a significant sum of money left over after these expenses, which will enable you to live comfortably, you are on your way to a comfortable retirement.

Consider your Health

How healthy are you? Talk to your doctor and take a good look at yourself. If you get the green light for a long life span, you are probably going to need more money than you thought you would for your retirement. However, if you have significant health issues, it may be more sensible to retire as soon as you have accumulated an amount of money that enables you to live comfortably. Of course, early retirement can mean more joy to your life and, who knows, your health issues may disappear and you may live for a long time yet!

It is not easy deciding if you can afford retirement. However, you should consider these three factors before you take the plunge. Facing these three factors and planning accordingly will enable you to enjoy retirement more.

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New Year’s Resolutions for Active Adults

by Carla Griffin on January 3, 2022

The end of the old year and the dawn of a new… This is when most of us decide to make New Year’s resolutions. What are your New Year’s resolutions? Have you decided to take up something good and give up something bad? If you have not, then this is the best time to do so. Here are five resolutions you can consider sticking to in 2022.

Resolve to Eat More Healthy Foods

Many of us tend to think twice about preparing meals, especially when it is for only one. So, we will consider throwing together some processed foods that are easy to make. Although easy, these come with a load of health issues that you really should try and avoid. So, this coming year, make a promise to eat more healthy foods.

Resolve to Exercise More

Exercise is essential for our age. It keeps our hearts healthy, joints functioning, and various illnesses at bay. Most of us are lucky to be living in active adult communities with various exercising opportunities that include swimming pools, walking, and biking trails, and fitness centers. Let’s use these facilities often and enjoy healthy lives.

Resolve to Try Something New

We are never too old to try something new. Trying out new things keeps you active in body and in mind. It keeps you alert and prevents dementia. So, try out arts and crafts, board games, learn a new language, familiarize yourself with the computer, etc. Many 55+ communities enable you to try out various things that keep your mind alert. So, go ahead and try out something new.

Resolve to Make New Friends and Reconnect with Old

Friends keep us young and happy. So, make new friends and, if you have lost touch with old ones, try and reconnect with them too. Many over 55 communities enable you to make new friends, so, make the most of this opportunity.

Resolve to Spend More Time with Family

Many of us take life for granted and never spend enough time with our families. This coming year make a concentrated effort to spend more time with family and to say “I love you” often. Remember, life is short, and tomorrow can bring unexpected surprises.

These are five New Year’s resolutions you can do without any problem. So, include these in your list of New Year’s resolutions for 2022.

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Winter Safety Tips for Seniors

by Carla Griffin on December 31, 2021

Winter is here, and it promises to be one of the worst. All that ice, snow, and cold temperature make life extremely challenging for all concerned. The challenge is doubled for seniors. Here are some winter safety tips for seniors to adhere to.

Avoid Slipping on Ice

The roads can be snowy and icy. This can cause many dangerous falls and injuries. Falls, unfortunately, is quite common with seniors during the winter months. Most of these falls result in fractures and lacerations. If you wish to avoid slipping on ice, this winter, make sure to wear shoes with good traction and non-skid soles. Stay indoors as much as possible till roads are clear, and take off your shoes the moment you walk indoors, as mud and water brought from outdoors can track in the house and result in slipping.

Dress Warmly

We don’t have to tell you this, but we will stress it. Frostbite and hypothermia are common among seniors. Don’t let your thermostat go down a lot. Dress in layers even when you are indoors. Wear warm socks, a heavy coat and hat, gloves, and a scarf when going outside, even for a few minutes. Remember to cover any exposed area of skin, and use a scarf to cover your mouth.

Check your Transportation

Driving during winter can be dangerous for everyone. It can be doubly so for you. Most elderly people may not drive as often and may have slow reflexes. Getting your mode of transport checked through a garage will help you avoid any accidents. Have someone check the oil, brakes, wipers, and battery. Change your tires. Be extra careful when driving.

Be Prepared for Power Outages

Power outages are common during winter due to winter storms. Keep flashlights and warm blankets handy and easily accessible. You really don’t want to be fumbling about in the dark looking for flashlights when there is a power outage. This can lead to a fall or injuries. If there is no power, remember to dress warmly and have a supply of non-perishable foods in your cupboards.

Being unprepared for winter can lead to many accidents. An accident can cause a loss of independence. So, adhere to these winter safety tips and stay independent and enjoy this winter doing what you like to do, but doing it carefully.

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Make Time For You This Holiday Season

by Carla Griffin on December 28, 2021

Let’s face it, the holidays can feel a bit, or rather a lot like a rat race. Fighting crowds, attending parties, hosting family gatherings put pressure on us, leaving us feeling tired, and anything but relaxed. As you spend this busy time of year giving of yourself and spreading cheer, don’t forget the greatest gift you’ll give this season, is the gift of making time for you. Admittedly it can be hard to spend time or money on ourselves, but self-care helps us renew, and offer a fresh perspective. Most of you are probably asking yourselves where you’ll find the time to pause, but honestly, just ten minutes in a day can make a world of difference.

Creating a morning ritual to meditate, enjoy a cup of coffee, or go for a walk is a way to gather your thoughts, and savor the tranquility before heading out for work, errands, or whatever the day has in store. If venturing out for a morning jog sounds less than appealing, try some gentle yoga stretches to warm the muscles, and feel more focused.

Make an appointment for a massage, or acupuncture. There’s nothing better than releasing muscle tension and detoxing the lymphatic system than a therapeutic massage or acupuncture. These therapies are proven to improve mood and relieve pain with many clinics offering holiday specials to make it more affordable.

Enjoy holiday drinks, and indulgent treats, but don’t forget to balance them with plenty of fruits, vegetables, and water. Putting a strain on the digestive system by eating foods we’re not used to eating every day can leave us feeling bloated, and fatigued. This time of year, markets are full of seasonal produce to make heart-healthy, delicious meals to help break up the sugary festivities.

Sleep. In this day in age sleep is an afterthought when in all actuality it’s as critical as oxygen. Sleeping is when the body repairs itself, and replenishes lost energy stores. During the holidays, when traffic is at an all-time high, and late-night parties are in full swing, it’s important to get plenty of rest in between to stay alert, improve cardiovascular function, and even lower the risk of obesity.

Health and wellness are number one of course, but buying yourself a holiday gift is definitely encouraged! Is there something special you’ve been eying in the shop window, or online? Seasonal sales are a great time to buy, and it’s more than ok to spoil yourself for a job well done.

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Understanding Reverse Mortgage and its Suitability

October 19, 2021

  If you are considering buying a home, a reverse mortgage may sound like an attractive option. It will help with your finances without you having to pay taxes. Getting a reverse mortgage does have its pros and cons. However, this move may be worth a deeper look to some of you irrespective of this […]

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10 Edible Greens to Plant Now

October 15, 2021

Get your cool-season garden started and look forward to harvesting lettuces, kale, arugula, chard and more In most climates, leafy greens such as lettuces, arugula, spinach, chard and mustard greens grow best planted in late summer or early spring, where the plants thrive in the warm daytime temperatures and cool nighttime ones. In mild-winter areas, […]

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Why Staging Matters, Even in a Seller’s Market

October 9, 2021

Homes may be selling faster, but the right style can help earn the highest ROI. Many homes are going under contract the first weekend they’re listed—and sometimes without any preparation for the market. Still, real estate professionals can’t promise sellers their property will stand out and receive the highest offers unless buyers fall in love […]

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How Much to Save for Retirement

October 5, 2021

If you are about to retire, you may be worried about how much you need to save to be able to live comfortably once you do. There is no right answer to this question. All you can do is plan carefully to live comfortably on your monthly income. Most retirees, plan on living on social security and […]

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Is Coffee Healthy or Not for the Over 55 Active Adults?

September 30, 2021

We Americans are known for guzzling down at least 4 to 5 cups of coffee a day. This is apart from the cappuccinos, espressos, and the coffee lattes. There are varied views about the health benefits of coffee. Some may proclaim that coffee is bad for your heart while others say it is good. If […]

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Hot Home Trend: Paint it Black

September 11, 2021

Black accents are giving a bolder look to home designs. Black is popping up everywhere in home design, from flooring to windows. Black feature walls also are trending. Matte black finishes have become popular choices for hardware, decor, and finishes. Take a look at some of the latest trends. Faucets and Fixtures Matte black finishes […]

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