What Is the Importance of Home Care when Retiring

Sarah Morris

As you age, your bodily functions will also start to deteriorate. You won’t have the same vigor when you were a teen, making it challenging for you to accomplish tasks as a senior. Fortunately, services are now available for retirees to live with ease—and home care is just one of them.

Home care is a service that helps retirees and people with special needs to stay at home as trained healthcare professionals assist them. A private care provider will assist their patients in their medical treatments, as well as help them with their daily activities. These professionals can offer personal care, cooking, and homemaking to their elderly or ill patients.

Homecare is important when you’re retiring because of the following reasons:

  1. Diet and Nutrition

A lot of things will change in your body as you age. Aside from decreasing energy levels, you will also have different nutritional requirements. A well-balanced diet can keep your weight in check and boost your immune system, allowing you to fight illnesses and diseases.

For retirees to enjoy these benefits, one must pay attention to the food they consume. It should contain the nutrients their body needs and should have a minimum amount of carbohydrates, not to mention the medical conditions and allergies that need to be considered in meal preparations as well.

A private care provider will prepare your meals when you pay for home care services. Since this provider is a trained healthcare professional, they can prepare meals suitable for your dietary requirements. They can even provide nutritional counseling to ensure that you won’t experience malnutrition as you age.

  1. Medical Treatment Needs

To make up for the natural aging process, medications will be given to retirees. They will be given prescriptions to maintain their overall health, and will be prescribed more medical treatments if they were recently hospitalized.

As a retiree, it’ll be hard for you to keep track of your medical needs by yourself, especially if you have many. Can you take two medications at the same time? What time should you take these treatments? Are there any dos and don’ts after taking a specific medication?

Home care services can provide accurate answers to all of these questions. With a private care provider, you can be sure that you’re taking the right medication at the right time. A private care provider can also give accurate tips on what food and drinks are prohibited when you’re under medication.

With home care services, it’ll be very easy to ward off any health conditions and boost the effectiveness of your medications. This professional service can expedite the process of your recovery from any medical conditions, as well.

  1. Safety

Sure, you might still live in your home even as a retiree, but will you be safe when you live alone? Can you still manage to avoid slip and fall accidents? Can you still see clearly to notice any wet, slippery, and uneven surfaces?

Three million seniors suffer from slip and fall accidents every year. Depending on the severity, these accidents can have physical consequences to retirees and even cause death. Steer away from this direction by choosing to live with a private care provider from a home care service.

A private home care provider can enhance your mobility in and around your house as they can provide assistance when you walk. They can also keep your path safe from any obstructions such as rugs and unlevel surfaces. A private home care provider can become your eyes so you can move around safely.

  1. Improved Relationships

Aside from home care services, retirees can opt to live in a nursing home. This facility provides long-term care for the elderly or disabled. However, this living arrangement can put a strain on relationships, especially if the facility is far from their family’s locations.

Although nursing homes allow visitations, distance can become the reason why family members can’t visit their senior loved ones as often as they want to, thus resulting in a gap in the relationship.

Because home care services won’t require the retiree to live elsewhere, this arrangement still allows you to maintain, strengthen, and even create relationships. It’ll be easy and convenient for your family members to visit you since you’ll be staying in your own house.

A private care provider can also drive you to your family’s house whenever you want to. This service alone can ensure your attendance during weekend BBQs and other annual celebrations!

Make Sound Decisions

More and more people require home care services, which is why there are now several businesses that offer this service. When choosing a provider, get recommendations, compare options, and know their scope of services. Only choose a home care provider that offers the services you need, so you can fully enjoy your life as a retiree!

 

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Tips for having the appropriate watches

Anna Jonson

How well it functions

You may not know it, but for each event there is a correct watch. Gone are the days when a watch could be worn with just anything. On the off chance that you need to keep an upscale look, you have to comprehend what watches work, and which do not. Fortunately for you, we’re here to help.

Today we will talk about when certain watches are fitting and how to adapt them with your garments. I have found the superior quality watches at https://www.watchshopping.com/.

What number of watches do you have?

Probably one. In the event that you fit in with the vast majority, you are wearing a similar watch every day, pondering what it looks like with your dress or  your work out outfit.

Day by day watch trend technology

Each lady has her preferred pair of earring studs, and each man has a couple of cuff links that he enjoys the most. On the off chance that you work in an office, a basic, yet a la mode Cassio Version watch will make you the talk at the water cooler.

Match metal to metal 

This might sound too blunt, but you will be astounded at the number of men who attempt to wear gold face watches with silver cuff links or tie clasps, or what number of ladies wear silver face watches together with their gold hoops. It simply doesn’t work. This makes you look messy. Match the metal of your watch with your other jewelry to make your outfit look immaculate and trendy.

Coordinating Shading

Casio’s splendid pink BBG watch may keep you grinning throughout the day, yet it won’t wear well when you’re wearing bright colors. A general guideline for men is to consistently match your watch band to your shoes and belt. Ladies can pull off being excessively daring, yet remember that the shade of your watch ought to consistently compliment your dress. It should not stand out on its own.

Outside Watches are to be worn outside

There is nothing more terrible than a man in a decent suit with an open air watch. These watches are intended for outdoor or sport use. They are commonly waterproof, ready to withstand weather, and can perform. In the event that you work in an office, wearing ana outdoor watch can truly destroy your in-vogue style, so leave this watch at home and go for a dress watch instead.

A Standard watch consistently implies style

Consider having formal wear watches. When you are dressed officially, it is important that men wear a watch that is masculine yet intricate. A Casio version or a period piece can give your wrist and suit a coherent look. Pick a watch with great lines and strong, differentiating shades like silver and dark. For ladies, a little and delightfully planned Casio or Timex dress watch, with only a trace of pastel shading on the face, is the ideal answer for practically any outfit.

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Four Tips for Booking a Local Hotel

Martin Gracewell

Phu Quoc is a fantastic destination for travelers. If you want the island life and want an affordable destination that you can visit any time of the year, this is an excellent idea. It’s a Vietnamese island that’s located just off the coast of Cambodia, in the Gulf of Thailand. More than half of the island is protected and is a part of the Phu Quoc National Park. There are dense tropical jungles, trails, and wildlife. There are also plenty of day and night markets throughout the island. Needless to say, if you are going to visit the island, you might want to make a booking at a decent hotel. Here are a few tips for selecting a good hotel in the area.

  1. Book a 5-Star Hotel

There are several 5 star Phu Quoc hotels that you can choose from. A simple online search is all it takes to find various hotels on the island that offer amazing places where you can stay. Booking a 5-star hotel in Phu Quoc is a fantastic idea. A hotel is rated five stars based on the level of comfort and services that it offers. It’s recommended that you check the hotel’s website to find out more about the services that they provide. Ideally, a 5-star hotel is going to have a swimming pool, a fitness center, and a spa. Because tourism is such an important part of the local economy, you don’t even have to worry about paying over the top for booking a decent hotel in the city. There’s a lot of competition, and many hotels offer major discounts from time to time.

  1. Check Reviews

Never book a hotel before checking reviews from various websites. There are plenty of review sites from where you can find out more about what others have to say regarding their experience. It’s recommended that you check any pictures that other customers might have posted to find out how their experience went, and where they were lacking.

  1. Discounts

As mentioned above, many hotels offer discounts or free upgrades to their customers from time to time. It’s recommended that you check their website to find out if there are any special offers available that you can take advantage of. Being vigilant when making a booking online can help you save a great deal of money.

  1. Location

Last, but not least, you need to evaluate the location of the hotel. How far is it from the city center? What’s the average travel time that you are looking at? Does the hotel offer airport transfers? Make sure you schedule an airport transfer so that a representative from the hotel is available to pick you up as soon as your flight lands. These are just a few of the many things that you should know about booking a hotel. Make sure you book a hotel at least a week or two in advance.

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Enjoy Some Fine Food and Drinks at ICT Bloktoberfest!

Burt Macklin

Celebrate the spirit of Oktoberfest in style with a trip to Wichita’s Bloktoberfest. This two-day event brings the community together in a way that blends the best parts of Oktoberfest with a traditional Wichita block party. A visit to this event is the perfect way to experience the vibe and the people of Wichita during the beautiful fall season. If you’re going to be in town this October, here is everything that you need to know about this fun event and this laid-back Midwestern gem of a city.

ICT BLOKTOBERFEST 2019 DETAILS:

Downtown Wichita is going to be transformed into a massive block party in celebration of Oktoberfest. This year’s event will be held on Friday, October 4 and Saturday, October 5. The party kicks off at 4 PM on Friday and will start up again on Saturday at 10 AM. Bloktoberfest will be held at WaterWalk Plaza.

Admission is free and guests will enjoy live music, a wide variety of food and drink options, a costume contest, the Wichita Burger Battle, Wiener Dog Olympics, a hot dog eating contest, carnival games for the kids, and a Biergarten. This event is both child- and dog-friendly, making it the perfect festival for the entire family. What are you waiting for? Pull out the lederhosen and get ready to party!

STAY IN WICHITA:

When looking for hotels in Wichita, KS, you’ve got plenty of good options. The Hyatt Regency Wichita is one popular choice. This upscale hotel is located just a few blocks from WaterWalk Plaza, making it the perfect place to call home when attending Bloktoberfest. at the end of the day in the heated indoor pool or in one of the two whirlpools. The on-site bar & restaurant boasts casual farm to table dining in a trendy atmosphere. Ambassador Hotel Wichita, Autograph Collection is another trendy downtown hotel. With a speakeasy-style bar called Dockum and 24-hour room service, you’ll get great service in style.

THINGS TO DO IN WICHITA:

Shopping and dining enthusiasts will appreciate all of the offerings of nearby Old Town Wichita. This charming and historic neighborhood is a great place to connect with locals and soak up the vibe of the city. The Wichita Art Museum features a vast collection of American art with a special emphasis on the heritage of the Great Plains region. If you are traveling with children, be sure to check out the popular Sedgwick County Zoo. This local favorite is home to over 3,000 animals and a variety of exhibits that will put you up and close with a myriad of creatures.

WHAT TO EAT IN WICHITA:

You certainly will not go hungry during your visit to Wichita. For some of the area’s best steaks and seafood, head over to Newport Grill. A hopping happy hour also makes this a great place to start your night out on the town. Begin your day at the Doo-Dah Diner for a true Wichita experience. This iconic diner is conveniently located in the downtown area, making it a good place to hit up before going to Bloktoberfest. The made-from-scratch menu features specialties such as crab cake benedict, chicken fried steak, biscuits and gravy, and a variety of sandwiches and salads. You will appreciate the friendly service as well as the generous portion sizes.

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How to Manage the Highest Spending Category in Retirement – Be Creative!

Its not unusual to read in the news about studies which predict the next financial disaster ready to hit retirees and seniors.

Recently I read an article about retirement, and how the figures show that spending for seniors decline the most after the age of 65. The interesting (and most useful) piece of information from this graph, is that the amount of money put out for housing stays about the same from when we are age 45 to the end of our days.

What happens if your pension fund goes under, or severely cuts their payouts to you? Or, what if some other torpedo expense hits your savings?

One of the things you can do to take charge is to monitor – and be willing to change – your conventional housing choice.

Paring down to a smaller home, moving to a state that is tax-friendly, moving overseas where cost of living is more manageable, renting out a room, a section of your home or a casita can bring in extra cash should you find yourself needing to supplement a pension that has gone sour.

Considering a roommate, or perhaps joining financial forces with your children to have an “in-law’s unit” built as part of their home so you have a place to live that is close to your family are also alternatives.

Living on a boat, utilizing an RV as your domicile, or choosing your Active Adult Community manufactured home as your chief domicile are also more affordable options than a 4-bedroom, brick-and-mortar home with the maintenance costs, insurance and high property taxes.

There are so many more attractive choices today for housing than ever before.

The most important thing is to have your plan B – and to start thinking about that NOW, instead of waiting for a financial disaster to come and blow you out of the water.

 

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“Change Is Hard,” She Said

It was cool sitting on the shaded veranda.

We were surrounded by a lush garden, and my best friend and I were staring at the Bradshaw mountains of Arizona in the background.

Change is hard,” she said to me.

How many times have I heard this? But I took a few moments to mull it over again.

“I’m not so sure it needs to be…” I gently offered back to her.

I felt that emotional resistance of someone who absolutely holds this belief to be true.

On her face I could see the “Oh, here she goes again” expression that I sometimes get.

To this, I responded, “Look. I know ‘everyone’ believes that. ‘Everyone’ thinks change is hard because they’ve been told it’s hard. They’ve been taught that it’s hard…

“Unbearable, even.”

The wrinkle in her brow told me she wasn’t yet convinced. Over and over, life experience has shown her how hellish it has been to make changes. She has always said that she didn’t “do” change very well.

I leaned in a little closer to her and pointed to her garden.

“Do you see those plants?

“The butterfly bushes, the trees, the roses… the vegetables you have in your raised beds?”

I could hear her say mentally to herself “So?”

“They are changing.

“Every. Moment.

“Every second.

“They are growing, thriving, … just BURSTING with life.”

I paused for dramatic effect.

With an open hand I gestured to her manicured paradise and then asked “Does this look like a hell-hole to you? Do you hear screaming, cursing, and gnashing of teeth because these plants hate change?”

Bird feeders hung from the rose trellis, and together we watched a few wild rabbits munching on the seed that had fallen. Humming birds zipped through this idyllic scene and the silent butterflies landed on her specialized plants to attract them.

“I think Life is Movement,” I almost whispered.

Warming to my topic, I went on.

“Some people call it ‘Change’ and can barely spit out the word because it takes them away from a comfortable routine and they are afraid of what might come next. But actually…

“LIFE MOVES.

“Try not moving for a day or two. Don’t drink water, pass your bowels, blink or even leave your bed.

“I think THAT would be hard…

A few more moments passed.

“This garden that you enjoy every day is the perfect example that movement and change are good. It’s easy, natural, and necessary. Otherwise we’d be dead!

“I think that we have been taught that change is hard. We’ve been taught to hate it. Why not call it movement instead and just go with it?

My dear friend just sort of blinked, staring out into her amazingly full… abundant… back yard.

“Yeah, sometimes I just beg for these plants to grow. I want to see what they’ll look like when they’re a little taller or when they bloom.”

“I bet!” I agreed.

“And do you ever hear them cussing you out?”

She gave me a crooked smile.

“They’re just doing what nature does – grow, expand, bloom… drop a dead leaf…  – Every. Single. Moment.

“I think that’s what Life is supposed to be like for us,” I sighed.

We soaked in the bliss of the warm breeze rustling through the leaves. The fountain bubbled water, and we watched cloud art float by.

Sipping on her iced tea, my dearest companion said “ ‘Life is Movement.’

The feeling is different when I look at it that way.

“I just hope I remember.”

Smiling softly and crunching on an ice cube I suggested (to the both of us), “We’ll have your garden here to remind us just in case.”

At that moment, the back door flew open.

Wanna play cards?” her husband asked enthusiastically. Meanwhile, Noodles, her 8-pound rescue pup jumped up on her lap and started licking her face.

My girlfriend and I looked at each other knowingly.

“Life is movement,” she said confidently.

“Yup, it shure is,” I said as I grabbed Noodles and nuzzled into her soft fur.

 

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Dumb Things Financial Experts Say, Part I

Do you ever cringe when you read some of what financial advisers say in interviews or online?

Here’s a quote that we can dispute. It’s from Michael Kresh, president of MD Kresh Financial Services and author of You Can Afford to Retire.

Kresh said the average person cannot afford to retire before his/her forties.

“The only people who can retire that young are the people who have hit it big really young,” Kresh said. “You’re looking at somebody who’s effectively hit the business jackpot or lottery.”

It’s also difficult to retire young if you have children. Kresh argues that children can set your retirement savings plan back as much as 10 years, partly because of the increase in higher education costs.

I would have to hand it to Kresh that retirement before 40 can present challenges in ways some have not thought about. Questions like “Now that I’ve quit the job I hate, what do I do? I didn’t expect to land HERE…” or “I didn’t think about all those job perks I got (traveling first class, health care included in my salary, my title and status, co-worker events that filled my social life…)” Some have even mentioned to us that since they have left their jobs, they have gotten depressed! Too much time on their hands!

Yikes.

But we dispute that one has to hit the business jackpot or that it’s SO. MUCH. MORE. DIFFICULT. to retire if you have children.

Our own story proves that being focused, not being big consumers, tracking spending and cutting down on personal infrastructure can be a highway to FIRE.

We’d also recommend that you take a look at our interview with Jillian Johnsrud. She and her husband retired early and are raising 5 children.

So don’t let those financial “experts” define your life for you. Choose your own future.

For more interviews of Captivating Characters and other Early Retirees, click here

 

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Are We Being Misleading about FIRE?

Q&A with a Reader

Hello,

Saw the article on MSN about both of you– Congrats on your success. ….. I am sure you are getting tons of emails….

What the article doesn’t mention is how much money you started off with?  I have seen some articles that say $500,000………We are obviously not all stock brokers and successful restaurant owners….

I think it is a bit misleading excluding that information.

My guess is you had well into 6 figures, if not more, to take off and do this…..I am not trying to be confrontational and I know that info is private, but people need the “whole story” or else its of little value….. at least to me….

I think it would take over a million in today’s dollars to do what you are doing…. Not a reality for the majority of the population….

Thanks for any feedback….

Scott

Hi Scott,

Thanks for taking the time to write. We appreciate it.

Catey Hill from MarketWatch didn’t ask us what amount of money we had when we retired in 1991 – but there are other stories that state we had $500k.  Yes, in today’s dollars that would probably be a million or so.

That being said, the FIRE lifestyle or the FIRE choice isn’t for the majority of the population.

It would probably be safe to say that most people would rather live a conventional life, fitting in with their peers, have a job, a pension, own a home, have a pet, maybe have kids, live in the same neighborhood for a decade or more…

But that doesn’t mean Early Retirement can’t be done on less, or with an income less than $100k a year to save up for Financial Independence.

The internet is full of FIRE-ees who have done this (Jillian Johnsrud with her family of 5 kids, Mr. Money Mustache, and countless others). Take a look online for personal financial bloggers or on Twitter for the same. I think you would be surprised.

Everyone is different. We all make choices and have different priorities. Life has never been a one-size-fits-all.

You might be interested in our article How to Create a Pension for the Average Joe. And take a look at our Retirement Issues Page for more articles on this topic.

And just to mention, in our world travels, we have met many people living on their Social Security income. Countries such as Mexico, Guatemala, Thailand, Vietnam, Laos, Ecuador, and Panama offer a good quality of life for less money.

It just depends on what you might want to do.

The hardest thing isn’t living the FIRE lifestyle, I think it’s the decision to live the FIRE lifestyle. It will definitely separate you from your peers, and some people don’t like that.

Everything in life has a trade-off. You just have to ask yourself if you want to make that negotiation with yourself. Then commit to it.

Wishing you the best.

Feel free to write any time.

Akaisha and Billy

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Keep Your Mind Sharp Even When You’re Retired

Lora Young

Congratulations, you’ve finally retired from the daily grind, the seemingly endless struggle of your profession. You’ve worked hard and now it’s time to let things simmer down a bit. You’ve earned it.

But, even as it may sound like it’s going to be a great time for the rest of your life, you might suddenly find yourself bereft of stimulation. It’s not uncommon for retirees to lapse into a state where their minds may not be as sharp as they once were while they were in their respective professions.

The Theory of Use and Disuse

It is not war that breaks men, but rather it is stagnation. The sword is useful in war, but it is dulled in peace.

The same principle applies to our bodies. When an athlete stops training long enough, his muscles atrophy. When you stop using your cognitive skills, they, too, waste away.

You might even put it (bluntly) that as far as the body is concerned, either you use it or you lose it.

Without a career, retirees often find themselves wasting away because there is no longer a challenge to keep them on their toes. Skills deteriorate, and later on, so might reasoning. So, how do you keep your mind sharp when you retire?

You Use It

It’s a simple statement but there isn’t a more specific way to put it. In the same way that muscle fibers can waste away if left unused for a long time, so too can a brain path deteriorate. So, the simple solution would be to seek out opportunities to create new brain paths. Anything that requires any form of problem solving and skill will contribute greatly to this objective. Even the simple act of reading is bound to help keep your mind sharp. This is especially true when you read books that delve into deeper topics. A few good examples of these types of books are the works of Saint Augustine or even Sun Tzu’s Art of War.

You can even take on new hobbies, like gardening, farming, or carpentry. What’s important here is that you replace the skills that waste away if you’re unable to put them to use. This way, as you continue to learn new things, you also build new brain paths. With each problem that you’re able to solve, you also train your brain to retain or even enhance the way it functions. This is also why chess is especially popular with the elderly. It provides them with an avenue to test their reasoning and planning.

One of the saddest things to happen to any individual is to have that person slowly fall into a vegetative state. From a position where that person was once full of life and light, to where a light fades like a candle’s dying flame.

As I’ve said time and again in this article, either you use it or lose it. You should never allow yourself to waste away. When your mind runs idle, that’s when you begin to deteriorate. Don’t stop moving, never stop learning. Live a happy, fruitful life. There’s more to life than just work.

 

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Things You Should Know Before You Go to Maui

Veselina Dzhingarova

Maui is one of the most popular travel destinations from around the world. It is really easy to understand why since there are literally countless available options for tourists of all different desires and wishes. There are numerous luxury beach front rentals in Maui and attractions that you can choose but there are also many things that should be known before you travel there.

In the event that you are planning your Maui vacation now, here are some reminders that will help you make the most out of the experience. These tips might very well make your vacation better.

You Will Need to Rent A Car

Most tourists do not realize the fact that Maui is a really big island. It is so big that you do need a car in order to be able to experience all that you can. Be sure that you accordingly plan. If you decide to rent a car at the very last moment, there is a pretty good possibility you will end up overpaying.

Whenever possible, rent your car from the locally-owned firms. Try to avoid the international chains since they are going to be more expensive. The local options are those that offer the very best possible customer service.

If you rent a car, be sure that you read the contract so you understand if there are some restrictions that apply. In the event you need a ride really fast, you can always go for taxis or Uber but this can easily get really expensive.

You Need Sunscreen

There is simply no way around this. If you decide to visit any part of Hawaii, you do need quality sunscreen or you will have problems.

The best option available for you in Maui is reef safe sunscreen. This practically means that the active ingredients are either non-nano titanium dioxide or non-nano zinc oxide. In the event that sunscreen contains ingredients like homosalate, octisalate, oxybenzone or octinoxate, among others, it is not actually reef safe.

Chemical sunscreens are actually banned in Hawaii so you might have problems if you use them. The problem is that this is only the case starting in 2021. Until then, you have to read labels.

To put things as simple as possible, you should never use sunscreen that is not safe for the reef as this would damage nature, which is definitely not what you want to do. Many brands just use false advertising to sell products. Do not buy anything that you find.

Don’t Focus Just on Maui’s Beaches

There are obviously people that travel to Maui just to escape the cold weather at home and relax in the sun. Nobody can say that there is something wrong with that. Relaxing on a beautiful Maui beach while drinking a Mai Tai is wonderful but why not enjoy more of the island?

You can do so many incredible things in Maui. If you just stay on the beach and in your resort, you miss out on so many activities you are going to join.

Just as a simple example, Maui includes 10 climate zones, which is huge given the fact that the entire world has 14. This is important as it means you can find tropical rainforests, deserts and more in just one island. If you are an adventurer, this is a dream vacation spot for you.

Make sure that you consider the Haleakala Crater and if you have time, go on a scenic drive on the stunning road to Hana. If you are not afraid of heights, you can even go on a sightseeing helicopter ride.

Learn as much as you can about the travel activities in Maui and choose as many that you will like as possible, based on budget and how much you can afford.

Maui Can Be Much Cheaper Than Initially Imagined

Most tourists believe that Hawaii is very expensive and they will need to spend a lot on the trip but the truth is that there are many ways in which you can visit the island in an affordable way. Everything boils down to your research and allowing yourself enough time to make the best possible choices.

The best thing that you can do is read articles written by locals. See how they travel, where they eat and what they do. This will offer a local experience that allows you to enjoy culture in a totally different way than with a large tour. Also, you might find really cheap deals that are not advertised online.

Simply put, the more you learn about what is available in Maui, the easier it is to save money. Also, the longer you plan, the easier it is to come up with a travel itinerary that will be very affordable. Saving money in Maui is possible in various ways. You just need to find what is great for you.

Enjoy Aloha

“Aloha” is a word that can mean so many different things. So much of the local language is just like that. This is a word that is normally used to say goodbye or hello but it can also express love. The point is that if you visit Maui, it is a really good idea to learn all that you can about the local culture so that you can understand exactly what Aloha means.

Aloha is about interacting with nature and teaching children to love the world. It is a huge part of almost everything that is done in Hawaii so learn all that you can about it. This might change your way of seeing life as a whole.

 

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