Many people envision retirement as an idyllic phase of life where there’s no work, just relaxation and a stack of cash in the bank to fund cruises, trips to Florida and an overall easy, leisure class lifestyle. Those dreams can be thwarted by a lack of realistic planning, however. Many people start saving too late, don’t save enough, expect Social Security to be their golden cushion or completely underestimate how much they need to live in retirement. Shifting from a wage-supported life to a fixed income can be difficult since inflation and cost of living are not fixed factors. On the flip side, the well-informed retiree who prepares for obstacles years in advance can truly enjoy a carefree, post-work life.
Here are 10 important pieces of information that can make retirement as fulfilling as possible.
1. Unless you’re thrifty, the myth that you can survive on 70 percent of your pre-retirement monthly income is misleading. Financial advisors estimate that people need at least 80 percent of their former income to make it in retirement. The reason is that modern retirees are in better health and participate in more activities than prior generations.
2. If you planned to quit your job at 65 like your parents and grandparents did, you might forfeit some of your social security. The retirement age at which a person can receive full benefits is 67 for anyone born after 1960; those who collect social security prior to that age will be penalized with reduced benefits.
3. Monthly social security checks are based on wages earned during the 35 most lucrative years of your career. If you’re widowed and your spouse earned more income over their lifetime than you and is entitled to benefits that exceed yours, you can elect to collect the spouse’s benefits instead.
4. Annual checks from social security usually tally no more than $11,000 for the average person, according to the financial website The Motley Fool. This means retirees must have several other financial streams of income to survive. Those streams should include savings, stocks, bonds pensions, and other investments, such as real estate.
5. When it comes to retirement savings, nothing is more valuable time. The earlier you start investing the more you’ll reap in accumulated interest. It’s the interest over time that’s important — not how much you contribute. You don’t even have to contribute to savings for your entire working career. Even if you only invest for 10 or 15 years of your career and then let the money sit and accrue interest for decades until you retire, you’ll have significantly more if you begin at 30 than if you launch a desperate last minute nest-building attempt with double contributions at age 45 or 50. Investing late in life simply does not give you the time to reap enough interest. The best thing to do is to start contributing to your retirement investment portfolio in your mid-20s. However, if you did not plan adequately, simply start right now. Waiting any longer is like throwing away years of free money in the form of interest.
6. Yes, you’ll still have to pay taxes on income in retirement, most notably on funds from 401(k)s and IRA accounts. However, if you move to a no-income tax state like Texas, Alaska or Nevada, you can protect your personal income from state taxes. Also, remember if you own a home, you may still have to pay property taxes in retirement, although some states give seniors reduced property tax bills.
7. Don’t make your retirement plans solely about money. Seniors who retire with no thought for how to make their days worthwhile, often feel useless and unhappy. Make a list of great adventures you’d like to embark on during retirement: places to visit, challenges to undertake or places to volunteer.
8. Make a list of social groups to join during retirement. Of all the things seniors complain about, the lack of social contact and someone to talk to or eat with are among the top concerns. Your spouse might not always be with you and neither might your children. Start building social networks early through churches, charities, recreation centers and professional groups. Ensure you have ways to meet new friends throughout retirement.
9. Have contingency plans for if you are in failing health. You might need to live in a nursing home or assisted living facility. It’s best to consider ahead of time what specific venue is appealing to you. Discuss these plans ahead of time with family.
10. Develop talents or hobbies that will allow you to work part-time in your retirement years. This can supplement your income and give you a way to feel useful and an active part of society.
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Author Bio: Julia Dennis writes about Eco Friendly senior living facilities and other assisted living topics for Friendship Village. When she’s not writing she enjoys running and spending time with her children.
Be it little kids or adults, accidents are bound to happen no matter how many safety precautions we take. A minor cut can lead to excessive bleeding and instant first aid has to be provided to the wounded. One should have the correct medical supplies at hand to take control of the situations. Adhesive bandages, gauze and a tape to hold on to the bandages are some of the materials that a medicine cabinet should be stocked with at all times. Parentgiving.com has a wide range of products when it comes to supplying medical aid. The products include antibacterial skin cleansers, compression and support stock, bandages and tapes, first aid and general skin care. The products should be used promptly to give the effect it is supposed to give.
If you are undergoing a sprain, then it is advisable to use cold packs for faster relief. Heating pads can also be used as they have a soothing effect. Our environment is surrounded by dust particles which causes several dust allergies and infection. To make your environment pollution free you can use air purifier’s and a humidifier to purify the air in your room.
Parentsgiving.com also provides facilities for patients who are diabetic. Remember diabetic is manageable and once you learn how to take proper care of yourself there is no stopping you. Complications can be avoided if you keenly monitor your diet and glucose level. In order to lead a simple life, it is better if you care a diabetes organizer that would accommodate all your insulin and other important supplies. Eat snacks that have lower sugar content in them. Some of the products that are available for diabetic patients are diabetic organizer, food for diabetes, foot care, skin care treatment, Glucose blood monitors and test strips and the like.
There are many individuals who experience the difficulty of falling asleep each night. Stress, your sleep environment, and anxiety are common factors that prevent people from obtaining quality sleep. As a result of inadequate sleep, when you wake up in the morning, you can often feel tired, sluggish, or irritable. Research has shown that lack of sleep may affect the proper functioning of the body and increases the risk of certain illnesses. For these reasons, it is essential to use the best sleep-inducing technologies that will help you to alleviate the problem.
Below are a few mobile apps and alarm security solution that people can use to have a better peace of mind at night.
Renew Sleep Clock
The Renew Sleep Clock is an iPhone app that works by tracking the length of time it takes for you to fall asleep, it measures your sleep, and compares data of previous nights to improve your sleep patterns. This is a unique mobile app that has the ability to detect breathing patterns and movements.
There is no need to toss and turn when you can depend on the technology of the WakeMate sleep monitor. The WakeMate is a wristband that is worn at night to measure your body movements and peaks of your sleeping patterns. This electronic cell phone device works by communicating with your mobile phone via Bluetooth to record the wake time that is close to your alarm setting.
Waking up in the morning feeling relaxed and refreshed is easily accomplished with the use of a white noise app. People face the ordeal of being unable to fall asleep when they are surrounded by loud, startling noises. The white noise app is an effective solution that can be easily configured, and allows you to fall asleep to peaceful, relaxing sounds or sleep noises. This app is utilized on mobile devices such as the iPhone or iPad.
Installing an alarm system is becoming more commonplace for people who want to reduce worry at night. There are a number of different companies that specialize in alarms like the ones made by Vivint, and positive Vivint reviews show strong customer satisfaction. With a home automated system installed in your home, you can be assured of your safety. It provides the convenience of protecting and monitoring your home, and increases your confidence level. That means no more waking up in the middle of the night for fear of an intrusion.
Some years ago I read 2 books which launch me to numerous fish oil health reimbursement. One was dealing with the Eskimo group and the good effect of their prosperous diet of fish. This was my initiation into the globe of omega3 fatty acids. I initiate this material very attractive because at the time I was hostility for my life as a victim of cancer. The next book I study was by a Dr Erasmus, who show conclusively that the right type of fats do acquire healing powers.
Person’s Eskimo researchers attempt out the fatty acid diet of the Eskimo’s upon them and was capable to monitor the consequences and thus find out, what would ultimately lead to a host of omega three benefits, which would go further than heart and joints and would include the whole human body.
Because of the current diet the majority people are lacking in the necessary omega3 fats. Our diet in the west is geared extra towards a rotten form of omega six with a tinge of omega nine. The fact is omega 3 6 9 are all necessary for person fitness. But omega3 is tremendously lacking and most of our omega 6 supplies, which is also significant, lie very much sour on our superstore shelves.
Fish oil fitness reimbursement comprise also our manage center, the brain. Mental disorders such as bipolar and schizophrenia and ADHD in kids are very much relieved by omega3 fatty acids. Cognitive functions, Memory, learning and IQ are all significantly improved by our fatty fish friend.
Hoki and Tuna collective mutually and distilled, hasten the body’s capability to produce cellular energy, while at the same time improving our immune system and serving us to manufacture clear skin and strong hair. Yes fish oil is really a beauty enhancement, which can also help with arouse skin conditions such as psoriasis and acne kind evils.
Numerous years ago it was said that sea based oils would be the complement of the 21st century. This has turned out to be factual. What many do not understand is that the cleanliness is also a very significant issue. This is no marketing trick but rather is most significant to your realizing the full physical condition reimbursement of fish oil. Hence ensure the labeling very circumspectly and make sure your creation has at the very least undergone molecularly cleansing.
If you are looking to buy health insurance, then Compare Long Term Care is my no. 1 suggested solution for gaining a host of health benefits for all of the family.
Since the dawn of sugary sports drinks, critics have been pointing out their many flaws. Many fans, however, felt that downing Gatorade and Powerade was the best way to replenish electrolytes after a tough workout.
Science, on the other hand, differed, claiming that the majority of people don’t require sports drinks after a typical workout. Not only that, but a 2012 Oxford study found that the average sports drink doesn’t even do what it claims and, thanks to its high sugar content, can rot your teeth and contribute to weight gain.
An Oxford research team compared the health claims made by several sports drinks to their actual effects, and the results came up short of those promises. The official findings were that such beverages had a “minuscule” effect on energy and performance levels.
Since they are meant to replace electrolytes lost after a sweaty workout, sports drinks are packed with sodium. To create a better tasting beverage, sugar is added. Artificial flavors and colors are also added to the mix, and the final result doesn’t offer as much to your health as it takes away. Consuming a sports drink isn’t much different from drinking a soda.
Besides not living up to claims and being unhealthy in general, these drinks have lasting effects on your pearly whites. Last year, “General Dentistry” published a study noting that the high acid levels in sports drinks could inflict permanent damage upon tooth enamel, beginning after only five days of consistent consumption. In addition to a higher risk of cavities and decay, teeth that suffer enamel damage can become more sensitive to hot or cold temperatures.
A bottle of Gatorade contains 56 grams of sugar – three times the recommended daily value for an adult woman, and equal to that of two candy bars. Children who consume a large amount of these drinks are most at risk for weight gain and tooth damage. The average sports drink contains five times the amount of sugar a child needs in one day, and provides little nutritional value.
Associations like the American College of Sports Medicine and the American Dietetic Association recommend sports drinks only for those who complete an entire hour of intense, strenuous exercise. Even then, there are better ways to replenish the body’s losses.
Much of the information here was provided by Richard Fossum DDS and www.marketheightsfamilydental.com. Vicky Hyde is a freelance writer and health nut. In her free time she enjoys cooking, hiking, and mountain biking.
Men with erectile dysfunction have several options for treatment, one of the most popular methods is using an ED pump. There are 3 styles of ED pump on the market and today we will explore the differences between these styles of erection assisting devices for men with erectile dysfunction.
The three types we will discover are the bulb pump, trigger pump and motorized pump. The first question will be which one is best and the answer is actually very simple. In third place, the bulb pump, second place sometimes tied with first place is the motorized and trigger pump. Even though all cylinders are identical, the main difference is the style of vacuum creation. This impacts as a whole the efficiency of the product especially for men who need the stronger boost to their body or in combination with medications.
Bulb Pump: (click to view)
The cheapest option for erectile dysfunction, they do work but in men with strong needs for erection assistance it will not always be productive. The reason is squeezing the bulb requires several short bursts and once vacuum is built up in the chamber, it can require more force then available for getting an erection. The initial reason these pumps are for sale is mostly for men who can get erect by themselves but want a boost, with that said it’s a super popular option for strippers and male dancers who want a big, bursting erection for their performance.
Trigger ED pump: (click to view)
The most popular option, very effective as pulling the trigger provides excellent leverage for creating vacuum in the chamber. Even after the vacuum is strong it’s still possible to offer that little extra suction that’s needed to engorge the erection further. More expensive then the bulb style but much more effective, these types of ED pumps are really the best way to go.
Motorized ED pump: (click to view)
A newer version of men with erectile dysfunction, it’s the easiest option but can be the most expensive. A battery inserts into the top which contains a motor that removes air from the cylinder gradually in a pulsing way. These styles are simple and depending on the motor they can be quite effective. Most times the cost is very high but clicking on the link above, you’ll see the price is very reasonable. Even though this ED pump is new for 20213,
Everybody wants to lose weight in an easier process. To achieve that thing weight loss pills are the answer. It is considered as one of the most renowned fat burner pills that will help in getting your target of weight loss.
Phen375 reviews will provide you the option to easily and happily lose weight and live a healthy life without any health problems. Phen375 or Phentemine375 is a deadly arrangement. It’s basically a mixture of the weight loss pills and also a fat burner pill. Phen375 will help you in reducing the calories and on the hand simultaneously it will consume the fat content of the body that is normally burned by a healthy person.These weight loss pills are for those people who love their food and cannot sacrifice it.
Generally, when a person takes more food it results in increasing of fat. Those people who want to shed those extra calories without any extra effort can use these weight loss pills. Phen375 reviews given by various satisfied customers and industry experts make it a winner. Phen375 is a type of weight loss pill that suppresses the appetite and doesn’t make us feel hungry. As a result, it helps in a successful weight loss program. It doesn’t have any side effect and increases metabolism of our body. A willing person can give a try and order the pills for positive results.
Males require taking care of the health. This would be comfortable if they can get approximately all the minerals and vitamins they require from the food, however they normally cannot. The supplements make this probable for the males to have the balanced and healthy diet. Before using the supplements men must have the information about which are the best supplements? The boron aids secure males from developing the prostate cancer. Males with the high intakes of the boron are approximately sixty five percent less possibly to develop the cancer of prostate than males with the low levels. With the cancer fighting advantages, the boron can really improve the memory and concentration. The vitamin E slows effects of the aging in males. This can aid ward off the certain illnesses which are sometimes linked with the aging, comprising the cancer, Alzheimer’s, eye diseases, and the heart diseases.
When you think about nutritional stuff of food items you consume and the supplements you intake, several will be similar if you’re the woman or man. Due to men are much more frequent and tiring exercise and risk of the infection, cancer and dysfunction in prostate and the man reproductive organs, males over the age of forty may would like to consider consuming the supplements minerals, vitamins, and the other necessary nutrients which deal especially with the requirements. There are the certain vitamins which males require. The vitamin c is sometime utilized to treat the infections or diseases of prostate. The Vitamin E and D may be significant in fighting the cancer of prostate that can be discovered in twenty five percent of the fifty years or more than fifty years men. The study of 2009 stated that the vitamin E didn’t reduce the risk of the prostate cancer.
The basic things of the nutrient rich food are similar for both women and men, however there’re food items which contain the nutrients which aid to avoid problems which are specific to the males like the reproductive and prostate problems and their enhanced risk of the heart associated diseases and the other sicknesses as well. Few may be food items already in the diet. The others may be the ones you’ve never talked about; however all will aid the male to stay healthy and fit for long haul.
Cabbage is low in the calories; cabbage has tons of the nutrients in the little package. Despite of being rich in the vitamin C, this vegetable has the sulforaphane that makes enzymes which ward off the free radicals which damage cells while decreasing the risk of the cancer. This is the very good source of the fiber as well.