What Should You Do With Your Home When You Retire Early and Want to Travel?

You’re finally almost there. You’ve been saving for retirement for years, diligently putting money aside so you can enjoy some time outside the 9 to 5 grind. Perhaps you’ve decided you want to see the world—lucky you! While you could do this and hold on to your home, many people decide to become untethered and enjoy the nomad lifestyle for a year or two (if not forever!). What should you do with your home when you retire early and want to travel? This is likely just one of the many questions you have on your post-retirement lifestyle. Read on for some helpful ideas.

Try a House Swap

If you’ve seen the movie The Holiday, you know how idyllic this can be. And while movies do romanticize things, it really can be a great option for people whose homes work for this and who are okay with other people living in their space. The greater your house and location is, the great your opportunities abroad will be, but some people actually do prefer the small city pace. Don’t rule yourself out just because you live in a sleepy town. Travel guru Rick Steves recommends using companies like HomeExchange, HomeLink, and Intervac Home Exchange.

Hopefully you’re a detail-oriented person, as you need to be extremely sure of the details before leaving. Nail down arrangements such as where the key will be (perhaps use a lock box), how to use appliances and computer (if you’re allowing this), phone and Internet charges/exchanges, and where your car key is and how to use it if that’s part of your exchange. As Steves notes, “Veteran house swappers report that by the time these logistics are all worked out, it usually feels less like you’ll be swapping with strangers, and more like you’ve made a new, conveniently located friend.” Most house swaps take place for a week or two but, perhaps, if you find someone who is retiring early just like you, you can arrange longer stays!

Sell Your Home

You might want to be as free as a bird during your travels instead of having to arrange someone to housesit for you for long periods of time. The best way to do this is to sell your home, and hopefully you can do so during a buyers’ market. If you have the luxury of time, you might want to give yourself a challenge and sell it yourself. A real estate agent is usually recommended but if you feel confident in your own abilities and know a lot about the business, why not give it a try? You’ll need to price your home to sell, get it listed on the MLS, market your home with things like open houses, show your house, and perform your own negotiations.

If you’re in the opposite situation and are itching to leave the country quickly, consider a company like WeBuyHousesDenver.co. They will buy your house in any condition, pay cash, and close within days if you’d like. It sounds too good to be true but it’s not! In fact, there are no inspections, no hidden fees, and no commissions taken, so companies like this remove any of the home buying hassles. They will even handle the paperwork. They’ll make you an offer and you can either accept it or reject it—it’s as simple as that. Imagine getting out of your home without any showings or repairs. It’s more time for you to be planning your big adventure.

Consider Renting Or Subletting

If you want to hold onto your home base while you travel, renting it out is a good option, especially if you plan on being gone for long periods of time. Of course, you need to weigh the risks vs. the rewards, as you are opening your home up to strangers. Of course, if you know any friends or family that might want to rent your home, that is ideal. Start by emailing them, as perhaps they’re not all aware of your travel plans. If that doesn’t work out and do you ultimately rent to a stranger, make it official. Get a signed rental agreement, references, and a security deposit. You’ll also want to assign someone who will be in the area to stand in as a temporary landlord for you should things arise while you travel.

You’ve earned this travel; so don’t let your house arrangements stand in the way. Once you’ve done one of the things we’ve recommended, you’re free to fly!

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How to choose the right manual wheelchair for your elder granny

By Lyuthar Jacobs

Wheelchairs are designed for people who are not able to walk or walk for very short distances. The wheelchairs are specifically designed for the elderly people so that they stay independent in their own house.

When you are looking for the wheelchair for your loved ones, then you will get the best selection at many stores in US. However, don’t forget that you can get some money off the deal from CouponsMonk while buying them online. There are two configurations of the wheelchairs that are available in the market.

Key points which are to be taken into account while you choose a wheelchair include:

  • The user’s requirements, abilities, and the constraints,
  • The caretaker’s demands, proficiencies, and the shortcomings,
  • Transporting factors, and
  • Financial factors.

When you are in a dilemma of whether to go for a wheelchair or not, there are a few things that come to light. Some of the key considerations are stated as below.

Have a look at them and decide for yourself!

Want a Self Propel or Transit Wheelchair?

  1. Self Propel:

If the patient wants to handle the wheelchair herself, then they are in need of a self-propel wheelchair. They are specifically good if your dear ones will be dealing with any rough terrain or topology, viz. grass or in the curbs.

  1. Transit:

If the user has to be supported by someone every time, then the transit wheelchair is preferred. The transit wheelchair models having the smaller rear wheels are more suitable. There are manual brakes so that the carer can reduce the speed or lock the equipment for safety whenever required. Moreover, transit models are lighter than a self-propelled one and require lesser room than others.

Which type of wheelchair do you need?

  1. Lightweight:

The average weight of the lightweight wheelchairs typically ranges from 12 to 16 kg. If you remove the leg rests and rear wheels which are totally optional, then the weight comes much lower. The lightweight chairs are best suited for people who are watching their budget along with wanting comfortability.

  1. Ultra Lightweight:

The total weight of the ultra ones ranges in between 8 to 13 kg. This wheelchair is much easier to propel and transport. Available in additional sizes as well.

Heavy duty:

The Heavy Duty Models are specifically designed for the larger or the Bariatric patients. These chairs have the capacity to hold weight from 160 to 325 category. The total weight of the chair comes in between 15 to 27 kgs category.

  1. Tilt and Recline:

This feature gives you the liberty so that you can change the orientation of the patient without any additional pressure on his hip and back. The “Tilt and Recline” feature also allows the user to recline and lie-back in the wheelchair safely and comfortably.

The physical conditions of the patient

The physical conditions of the patient include height and weight of the person, some medical issues like arthritis, or any other injury and so on. Also, this includes the factors like whether she is looking for additional cushioning or backrest for lateral support, and a lot more.

Will you be transporting often?

How often you transport from here and there is also important. You can choose a model that is foldable with flip back arm rests that will assist in the process along with side transfer.

Time to be spent using the chair

For short durations to be spent on the wheelchair, you will need a Transport Chair. But if it is required for the all-day purpose, then the best thing is to go for a Simple Basic Wheelchair. But if you are heavy and tall, then you may require a chair which has extended seat lengths and widths along with Heavy Duty construction.

Now you know about the key factors that are responsible for choosing a wheelchair correctly for your granny, and you will need to have a complete knowledge about her health conditions as well.

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How Getting My Finances in order Let Me Live the Life I Love

Thank you for visiting Retire Early Lifestyle. The article you are looking for is no longer available.

Look at our Captivating Characters and Early Retirees Interviews for more inspirational stories.

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How to Get Easy Personal Loans at Reasonable Repayment Interest Rates

Ryan Harris is the author of this article, and he is a professional financial expert as well as advisor. Get the best guidance for the best payday loans in his blog.

A financial crunch can appear at any time, and that can lead to various problems. When a sudden crunch for money comes, we will face difficulties in paying EMI bills, credit card bills, medical bills and much more. To get some relief at such a time, you might consider opting for a personal loan. People choose this route especially when they are in a deep financial crisis or when they require money to purchase something expensive. Getting a loan is not easy these days, and that is concerning for the borrowers. Here are some suggestions for easy borrowing money at a reasonable rate of interest.

Loans from Banks

When a low rate of interest is your priority, try getting a loan from a bank. Banks and major financial institutions under the federal government offer loans at reasonable rates of interest. Hence, loan repayment would not be difficult for the borrowers. Things can get daunting when you do not have a good credit score, and to get a bank loan, you need to show your credit score. If you do not have good credit, your loan application will not be approved. Most people have an average or low credit rating. Such people should look for alternative sources for getting personal loans.

Get Loans from Friends or Relatives

Obtaining a loan from friends or family is a viable option when your requirement for money is not too high. Hopefully, close friends or relatives would not ask for a high rate of interest. In fact, they may not demand any interest at all. They might lend you money upon trust, and you have to repay them in time to keep that trust intact and unharmed. The problem is that you cannot take this option as a good alternative to a bank loan when your need for money is quite high.

Opt for Payday Loan

The best choice of bank loan is a payday loan. To get the best payday loans, you need to find a good lending company. Payday loans come with certain benefits and drawbacks and you need to understand those benefits carefully. First of all, these types of loans have been endorsed or advertised as a loan without any credit score checking. It is true that the lender does not check your credit score at all, but they will check your monthly income record. If you have a steady source of revenue, the loan will be approved for you.

Easy Logbook Loan

If you are not a salaried person, getting a payday loan will be difficult for you. Moreover, the rate of interest for a payday loan is quite high. If you are not okay to deal with such a high-interest rate, you can just choose to go for a logbook loan. This loan has been sanctioned against the logbook of your car. If you have a new and expensive car, you may end up getting a good amount of money.

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Car-Free Transportation Options in the U.S.

Q&A with a Reader

We love your site. We have consulted it for countless years. We are not world travelers but we applied many of your principles to retiring in the city of Boston. By controlling what we spend and investing conservatively we are still thriving after 15 years of retirement.

The transportation system in Boston made it easy to go car-free. We now plan to relocate to Colorado where car-free will be much more challenging if not impossible. My question relates to car rentals. Since you do not own a car what do you do for car insurance on a rental? The rental insurance costs seem exorbitant. Any help is greatly appreciated.

All the best to you both,

Richard

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Hi Richard,

Thanks for the kind words regarding our website.

We have not rented a car for a few years and agree that the rates are high. First I would try getting a 3 week to a monthly rate….as well as talking with your credit card company to see what they will cover.

What about using Uber or Lyft? or perhaps there is car sharing like Turo in your neighborhood. You could also look on the Carfree website – (see our Transportation Page) they have information, ideas and links you might find useful.

Not to mention that you might be able to pay a neighbor to take you around to some locations. Lots of times people are looking for a little bit of extra cash.

And of course there is public transport, bicycling, and using a taxi from time to time. Even with the high taxi fee, it is far cheaper than owning a car.

Keep turning over rocks. You might surprise yourself!

Best,

Billy

 

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6 Tips for Cutting Your Medical Bill

By Fehmeen who is an MBA graduate and who owns the personal finance blog, Top Money Hacks. Be sure to visit the site to check out some top money management tips.

Planning for retirement can be challenging because there are plenty of variable expenses to look at, the biggest variable being related to healthcare. Medical bills can quickly add up after retirement because health drastically deteriorates with age and because the cost of good medical care is slowly rising with time. This means any sum of money saved for retirement may eventually run out while footing these bills, possibly leading to medical debt.

The obvious solution may be to get a robust health insurance policy with extensive coverage, but that can be costly on its own. The truth is, one can never achieve peace of mind regarding the future, but there are certain steps one can take to cut healthcare costs, even if an adequate insurance policy is in place and plenty of money has been saved up.

  1. Maintain good hygiene to keep your health

“Handwashing is like a do-it-yourself vaccine—it involves five simple and effective steps (Wet, Lather, Scrub, Rinse, Dry) you can take to reduce the spread of diarrheal and respiratory illness so you can stay healthy.” Centre for Disease Control.

Prevention is better than cure, they say. This proverb holds true for both medical and non-medical conditions, because it’s easier to stay away from a problem than to find a solution.

Hand washing is an obvious tip that can save you from a lot of diseases in the long run, which is why it cannot be emphasized enough. Washing your hands diligently, for instance, can prevent the transfer of many viral and bacterial infections that require visits to your doctor. There is certainly no need to be obsessed with being germ-free, but simple habits like bathing regularly and carrying hand sanitizer when out and about, can keep you relatively safe.

  1. Make your home allergy-proof

According to the Eurostat website (the official source of statistics covering the European Union) respiratory diseases are one of the most common causes of death across the European Union. We often blame high levels of air pollution in urban areas for this problem, and rightly so, but we must also consider the fact that most of our time is spent indoors.

There are plenty of allergens in our homes, such as pet dander, mold, dust particles and micro-organisms that cause irritation in our respiratory tracts. While external air pollution is correlated to indoor pollution, we can control the latter to some extent by keeping our homes clean:

  • Ensure proper ventilation,
  • Remove dust from various surfaces,
  • Eliminate mold,
  • Get rid of damp spots, etc.

These practices can help reduce the negative effect of allergy triggers, and cut the number of related trips to the hospital.

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  1. Nip it in the bud

A range of preventative healthcare services are offered these days, some of them as part of public healthcare programs and some as part of insurance policies. Let’s have a look at two basic types of preventative services:

Vaccines can significantly lower the risk of catching various illnesses that are prevalent in many parts of the world. Granted, this tip is not for everyone because some people are against the use of vaccines.

Medical professionals can run a series of screening tests to catch the onset or risk of developing certain health conditions, such as cardiac diseases, bone degeneration conditions and cancer. The treatment for such diseases can be both lengthy and expensive. Fortunately, catching them at an early stage can:

  • Improve the effectiveness of treatment,
  • Disrupt the spread of the disease and
  • Cut the cost as well as duration of treatment.

Make sure you get regular check-ups and any screening tests ordered by your doctor to help nip your illness in the bud.

  1. Medical tourism can save you a fortune

If you have been diagnosed with an illness, the treatment for which involves a major surgical procedure, you probably expect a big dip in your bank balance. This is because healthcare costs in USA are extremely high, as is the case across much of the developed world (exceptions exist). Be it a hip replacement procedure or cardiac bypass, you can be sure the final medical bill will soar to tens of thousands of dollars, possibly resulting in large medical debts.

Medical tourism can help you avoid all this because you may find plenty of countries that offer good quality medical services at a fraction of the prices charged in your home country. All this, inclusive of the travel cost! This concept has been covered at length by Billy and Akaisha, on this blog’s Medical Tourism page. Do have a look.

  1. Milk your insurance policy

Sometimes, we fail to understand the exact terms of our insurance policy, which prevents us from using it effectively. I’ll illustrate this point with examples:

  • Be organized: My insurance firm reimburses me for any visits I make to the doctor if I submit the medical bill within a month of the issue date. I have been guilty of misplacing medical bills and of missing the one month deadline on a few occasions. That money could have easily been saved. Oops!
  • Be aware: The same insurance firm recently broadened their coverage to include the reimbursement of multivitamin pills. I had developed the habit of discarding pharmacy bills for these pills for the last few years, and continued to do so out of negligence (for several months) after the insurance policy had been broadened. Again, oops!
  • It doesn’t hurt to ask: One of my relatives underwent cataract surgery to change the lens in his right eye. A colleague had undergone a similar procedure a few months earlier and had a Grade B lens replaced into his eye, but when my relative decided to ask his company’s HR department about the various possible options, he was told that he could get a Grade A lens inserted under the same policy, for both his eyes! This incident took place a few months before his retirement, so the timing could not have been better.
  • Fight your case: A few years ago, a friend wanted to have her insurance firm pay for visits to an off-panel gynecologist, who served at an off-panel hospital. She pleaded her case on the basis of trusting this renowned doctor who had treated her family for years, and her poor experience with other on-panel gynecologists. After a bit of back and forth, the insurance firm agreed to pay for her bills for a period of one year, long enough to see her through her pregnancy.
  1. Buy ‘generic, non-branded’ medicines when possible

Branded medicine can cost a lot more and are more popular than their generic counterparts, even though they are the same for all practical purposes. According to the FDA website:

“A generic drug is the same as a brand-name drug in dosage, safety, strength, quality, the way it works, the way it is taken and the way it should be used.”

In other words, both types of drugs are equally safe and effective because they must pass strict tests imposed by the FDA before being sold in the market. On your next visit, ask your doctor if it is possible to get a prescription for alternative generic medicines. If you’re still in doubt, peruse the FDA catalog of all approved drug products.

These are my top tips for cutting your medical costs over the years. Be sure to keep your doctor in the loop though, because this article should not be considered medical advice.

I always say, “Take care of your body and your body will take care of you.” A healthy lifestyle which includes regular exercise and a diet rich in fruits and vegetables, is vital for good health.

Can you think of any other ways to limit your medical expenses?

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Senior’s Best Friends: 5 Most Caring and Loyal Dog Breed Companions

By GoReach

A senior’s life tends to get lonely. When our kids move out, and your loved ones and friends pass away, there’s no one to keep us company. In fact, for most of us, caregivers are the only company we have and the only people we can talk to throughout the day.

A lot of companies like A Better Way in Home Care can help us find a good caregiver who can help us around the house and be a great friend to talk to. But, in the evening when they are gone, all that’s left is the eerie silence.

Social isolation can be a dreadful thing and can lead to conditions such as depression. And while everyone has a different story, isolation seems to be a recurring theme for most seniors.

And while we cannot expect our children to give us their full, unconditional support now that they have their own children to care for, not all hope is lost.

Why Seniors Love Dogs

Dogs are known as the “man’s best friend,” and for a reason!

Their loyalty, undivided attention and constant support are just what most of us need. On those lonely days, their eyes full of admiration are all we need to make it through the rough patch.

Studies also show that pets can have more than just psychological benefits. In fact, dogs can have a calming effect on their owner and even improve their physiological condition. An American Heart Association study concluded that seniors who had a surgery recovered better if they interacted with dogs.

A study at Australia’s Baker Medical Research Institute shows that pet owners exhibit lower cholesterol and blood pressure levels.

Another study conducted at the Queen’s University in Belfast with 138 pet owners suffering from diabetes concluded that dogs reacted to their owners’ drop in blood sugar level.

Dogs can also react to other medical conditions and serve as a reminder that we should look for medical assistance.

Best Dog Breeds for Seniors

While all dogs provide unconditional love, some are more compatible with seniors than others. Small breeds have certain traits that make them a perfect fit for any lonely senior soul. In this article, we’ll list five breeds that make the perfect senior companions.

Maltese

These little furry delights are perfect as they adore people and spend most of their time in your lap. They prefer the indoors, making them the perfect match for anyone who does the same.

They usually weight between 5 and 8 lbs. when fully grown. They don’t exhibit any troublesome behavior, which is why they are often used as therapy dogs.

The best part is that they are hypoallergenic and rarely suffer from any health issues. The only downside is that they require frequent grooming so their fur can stay soft.

Cavalier King Charles Spaniels

These puppies also enjoy spending their time curled up in your lap but enjoy the outdoors as well. However, they don’t take spending time alone too well and can become anxious. This makes them ideal for seniors with the same problem. They are easy to train and enjoy traveling.

Shih Tzu

Loyal and affectionate, Shih Tzus were bred to be the perfect lap dog and a loyal, cuddly buddy. They are perfect companions for seniors as they are devoted and alert. They also require frequent grooming, although some owners prefer to keep their fur trimmed short.

Poodle

Whenever you picture a senior and a dog, that dog is almost always a poodle. There’s a reason they are so popular among seniors. They are fun, intelligent and loyal. On top of that, they shed very little and enjoy showering their owners with love.

Havanese

The Havanese are a very playful and social breed that require very low maintenance. They are very well mannered towards guests as well, but they tend to devote all their loving to their owners. They are very intelligent and even able to master the litter box. This is ideal for seniors who cannot get out too often.

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House sitting – a great way to see the world!

Full Disclosure: This post contains an affiliate link, so if you click on the link and sign up, we will be compensated.

As a reader to Retire Early Lifestyle, you’ll be well aware that when you’re travelling on a budget, accommodation can be a huge overhead.  Our friends at TrustedHousesitters.com provide a way to find accommodation all over the world by matching people who want to travel with home owners who want their pets looked after at home.

House sits range from small apartments to large villas with pools. Each sit is unique and 90% of the time there will be a pet involved.  One of the easiest sits you can find is to care for a cat.

When people talk about cats they often say “they’re independent”, “they just want food” or “cats are selfish”. However, cats are one of the most popular pets, for example, in the UK, 26% of households own a cat, that’s 1 in 4 families.

Cats are getting more and more popular as pets because they are easy to look after. They are independent, they choose when to go out, eat, or seek out human company.

In the first quarter of this year, TrustedHousesitters have looked after 4,500 cats and that translates into thousands of potential house sitting opportunities all over the world.

So if you want some time at the beach and are happy to look after someone’s home and cat this could be a great way to travel on a budget. Take a look at this housesit in Altona in Australia with a house right on the beach or browse the TrustedHousesitters website to take a peek at some of the great sits listed.

A house sitters story … #CatsLOVEcompany

All cat owners know that their cats are individuals. Some are bold and wild and will hunt, others love to find a warm cosy place to snooze the night away.  They all love to play, especially with their owners, but some of the stories we hear from our trusted pet sitters still manage to surprise us!

Sarah Dunn, tells the story of one of her house sits: “#newfriends We found it hard to believe when the house owners told us their beautiful Maine Coons loved the trampoline, but sure enough, every time my daughter went out to play, they would follow and stay with her! She also had the magic touch with one of the cats who we were told hated grooming. He would inevitably walk off every time I tried to groom him, but when my daughter combed him, he would sit still and gaze into her eyes!”

Why not give house sitting a try

You can travel the world looking after beautiful homes and animals and all you need to do is join the TrustedHousesitters community. For an annual fee, you can go to as many house sits as you like.

We have a special deal for subscribers to Retire Early Lifestyle. Use our link to qualify for a free one month trial. Housesitting is an exciting new way to travel the world.

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Save Money with Great Groupon Deals

Sponsored post

Every year I go to visit my sisters in California.

I look forward to this visit each year for all the obvious reasons – spending time with my loved ones, cooking wonderful meals to share, watching the latest movies on their home entertainment system, and taking walks by the ocean.

One of my favorite things is going shopping to upgrade my wardrobe.

Since Billy and I live a lifestyle of travel and we carry our small collection of clothes around with us for a year at a time, I tend to wear out what I wear from year to year.

Terrific!

This provides me with the perfect opportunity to go to Kohl’s for instance, and take advantage of all their incredible deals. I can get pretty much dozens of capris, blouses, classy Tee shirts, a new bathing suit and even new shoes and it’s a small dent on my wallet. I couldn’t do this without the deals that Kohl’s offers on some of my favorite brands of clothing.

Since it’s a good deal of time before I return to the States each year, I am also in need of refreshing my supply of vitamins, or miscellaneous digital supplies like a new hard drive, thumb drive or cell phone. I usually do all my research for what I need and then order from Amazon or WalMart before my visit to California. By the time I unpack my suitcase, everything I have ordered has already arrived to my sister’s house.

It’s kind of like Christmas!

Honestly, because of the deals I get through Groupon for these stores, it makes it lots easier to purchase what I need at better prices that fit my lifestyle.

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Caring for Your Vision: Turmeric for Overall Health On-the-Go

Ashley Spiker

Turmeric is known as a yellow spice added to food to give that distinct exotic flavor and is most commonly found in curry recipes. But as with many, many spices, turmeric also has health benefits and today we’ll focus on its benefits for your vision.

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What is turmeric?

Turmeric is a household spice sourced from the plant Curcuma longa. Turmeric belongs to the same family as ginger and cardamom, Zingiberaceae. This brightly colored spice has been an integral part of the Indian cuisine as well as traditional medicine.

In traditional medicine, turmeric is commonly used for the treatment of pain and wounds which is largely due to its anti-inflammatory properties. The active compounds of turmeric responsible for these actions are many but among them is curcumin. Curcumin is one of the active ingredients of turmeric that is actively researched upon.

In fact, studies show curcumin is scientifically found to be an effective antioxidant that has shown promise in treating and preventing some forms of inflammation, oxidative stress, and even certain cancers.

Benefits of Curcumin for the eyes

Scientists consider curcumin to be a potential helpful compound in opthalmology. It has been demonstrated that curcumin has beneficial effects on several ocular diseases, such as chronic anterior uveitis, diabetic retinopathy, glaucoma, age-related macular degeneration, and dry eye syndrome.

One study notes the efficacy of curcumin on chronic anterior uveitis, the most common form of uveitis that occurs in front of the eye. As it turned out, oral administration of curcumin has the same results as corticosteroid therapy which is presently the only available standard treatment for this disease. The same study also notes the lack of side effects with curcumin to be its greatest advantage over corticosteroids.

Unfortunately, because of its low solubility and oral bioavailability, the biomedical potential of curcumin is not easy to exploit. This is why products like NORFLO® were made to maximize curcumin bioavailability. Norflo contains a curcumin-phospholipids complex, which was specifically formulated to increase curcumin bioavailability to be 30-folds higher than standard curcumin. This bioavailability improvement has proven therapeutic efficacy and tolerability in 20 clinical studies publishes in peer-reviewed journal in ophthalmology and in other inflammatory diseases.

Takeaway

Turmeric has a great potential in combating common eye diseases. Its antioxidant and anti-inflammatory action courtesy of curcumin helps reduce or even prevent the damage to various eye tissues. The potential of curcumin has been explored in medicine extensively

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