Do you want to know the 6 Myths of Retirement?
Of course, you do!
How much should you save for retirement ~
“Your retirement plan and withdrawal strategy should be as unique as you are, taking into account your current finances, future income, goals and dreams along with many other considerations.”
Medicare will cover healthcare needs during retirement ~
Medicare can be a godsend for doctor visits and hospitalization costs. However, it does not cover most long-term care needs such as extended nursing home stays, assisted living and many types of home health care. Keeping health care costs in mind is a vital part of retirement planning.
I can’t count on Social Security ~
You can’t count on Social Security payments to cover all your retirement needs. However, it can make sense to estimate what your payments will be as part of your overall retirement planning and budget. Consider delaying Social Security payments beyond your full retirement age up until age 70. You may receive significantly larger monthly checks.
I can work as long as I have to ~
Did you know that half of all early retirements are due to illness or disability? Also, finding good paying jobs later in life can be difficult. The bottom line: it’s probably best not to rely too much on income that you may make during your retirement.
I’ll spend less and pay less taxes in retirement ~
You may actually be spending more in retirement than you thought. Think about traveling, visiting children and grandchildren as well as pursuing new hobbies and activities. It all takes money!
Home situation will stay the same ~
Moving is often a major part of retirement. You may decide to move closer to family members. Or, you may need an assisted living situation or an area with more transportation and maintenance services at hand.
Make sure you consult with a certified financial planner (CFP) and/or a lawyer with expertise in finance issues for retirement.
Avoid the 6 Myths of Retirement.
6 Myths of Retirement – Plan Now!
In this day and age, a Baby Boomer may very well be a solo senior for various reasons!
According to Sara Zeff Geber, about 20% of Baby Boomers today do not have children. There are also thousands of Baby Boomers whose kids are estranged, not functional or live far away. They will also age solo!
On any given weekend in a retirement community you will find lots of visitors milling around the property and visiting the residents. Most of these visitors are family; namely, adult children and grandchildren of the residents. These families are making sure their oldest members get out of their homes and remind them they are not alone in the world.
What happens when the older generation in our society who do not have family to take them to lunch and visit with them? Who can they count on for companionship? And, who will give them aide when they reach a point in life where they cannot do everything for themselves?
It is crucial that solo seniors carefully prepare to ensure a safe and secure future for themselves.
Happy Valentines Day 2020!
This is a special day to send love to those special people in your life.
Enjoy this Valentines Day poem to celebrate this special day.
A Valentine is Nothing Like
A Valentine is nothing like
A chocolate or a rose.
For in a week these shall be gone,
But Valentines remain.
If love were always sweet to tongue
Or fragrant to the nose,
Each day would be like Valentine’s,
And we would go insane.
A Valentine just hangs around
Waiting to be kissed
Long after special days have passed
And every days are here.
So one is wise to choose one well
And chocolates to resist.
For in the midst of mania
It’s nice to have one near.
Related Post: Valentine Cupcakes
Enjoy ~ Happy Valentines Day 2020
Short on time this Valentine’s week? These Valentine cupcakes are quick and easy.
Make your favorite cupcake recipe or buy plain cupcakes from the bakery.
Use white frosting and red hot candies to decorate them
You now have a simple, eye-catching Valentine’s Day treat.
We suggest that you use white or, even better, red velvet cupcakes.
These flavors will add a special touch to this special day.
These cupcakes are great for both young and old to craft.
This will keep the little ones occupied for quite some time by frosting and putting on the red candies!
Chocolate or Red Velvet cupcake with vanilla frosting and a delicious strawberry to adorn the top!
Enjoy Valentine’s Day with these Cute and Easy-to-Make Valentine Cupcakes!
Gotta love those Winter Workouts! No matter what time of year it is, exercising in the cold weather has many benefits. Many people use exercise for weight control which is great but don’t forget the myriad of other benefits. Just to name a few:
*Keeping your spirits bright during the short days of winter.
*Combating “cabin fever” by getting out of the house and into the fresh air.
*Controlling stress and keeping balance in life.
Walking and running are good ways to exercise outside in the winter. The key to sticking with an outdoors workout in cold weather is by layering with adequate and appropriate clothes for the weather.
You will definitely want to invest in winter weather gear like a headband to cover your ears, gloves with special smart phone-compatible ﬁngers, even “yaktrax” to put over your shoes to run on ice and snow without slipping. One of my favorite pieces of cold weather running gear is a neck warmer…absolutely love it!
Layering up is the key to working out in the winter weather. And, don’t be afraid to modify your workout. If you normally run a bit longer but are worried about getting cold or it getting dark, go for quantity not quality.
Maybe start a running streak where you run every day, even if it’s just a mile, but at least you get out and get moving regularly.
If all else fails, head to the gym for a spinning or “Zumba” class. Another suggestion is walking or running on the treadmill. If the treadmill seems too boring, try downloading some new fast-paced music to put a “spring in your step.” An Arc Trainer or elliptical are also great pieces of cardio equipment for a great workout!
For more details, Click Here
Winter Workouts Can Be Invigorating As Well As Enjoyable!!
Just in time for Valentines Day…clever snack ideas for Valentines Day are easy to make. Add a festive touch to this special day with these snack ideas for Valentines Day that even the kids and grand kids can help make.
1) Easy Marshmallow Valentine Treats
Use strawberry marshmallows, dip them in melted chocolate and sprinkle them with little nonpareils. Decorate them with heart picks. So easy and fun!
Source: Marshmallow Valentine Treats
2) Cupid’s Arrows: candy hearts + pretzel sticks
Source: Cupid’s Arrows
3) Heart Kabobs – Made with strawberries, cantaloupe, pineapple, watermelon and black olives.
Source: Via Pinterest
4) Valentine Cinnamon Cookie Crunch Popcorn Mix
This is a printable and can also be used on a tin can treat…for complete instructions:
Snack Ideas for Valentines Day at Your Fingertips!
We take our eye health for granted. What can we do as we age to keep our eyes healthy?
Here are 5 Simple Steps to take:
1. Get tested at least annually! Diseases of the eye can be spotted and then referred to a specialist. Pay attention to symptoms like blurred vision, light flashes, eye pain, swelling or irritation near the eye or eyelid.
2. Wear Sun Glasses. Protect your eyes from bright sunlight and its UV rays. UV extended exposure increase the risk of cataracts and macular degeneration.
3. Quit smoking! Your risks are increased for cataracts, optic nerve damage and macular degeneration.
4. Eat the right foods and nutrients. Omega-3 fatty acids, lutein, zinc, and vitamins E and C have been shown in studies to reduce the risk of eye diseases.
5. Use safety glasses or protective goggles when participating in work tasks and various sports activities. Shield your eyes to protect them!
Another concern in our present-day world is the relation of technology and eye health.
As we continually rely on technology, we increasingly have incidents of eyestrain. How can we protect our eyes in this digital age?
Make sure you blink frequently when working on the computer. On average, we blink about 18 times per minute. However, when we stare at a screen this slows the blink rate. Not blinking enough will lead to itchy, dry and burning eyes.
Here are a few additional ways to protect yourself from eyestrain:
Other contributing factors to developing eyestrain include devices with small print held at non-ergonomic angles too far from the eyes. Also, the blue light emitted from digital screens can cause eye strain and keep you awake at night!
People who wear glasses or contacts are also susceptible to eye strain. Their prescriptions might not be ideal for mid-range viewing of electronics.
Maintain Good Eye Health As You Age!
So, what is your coffee preference?
How do you like your coffee? With cream and sugar, flavored, a complicated mixture of things, or straight-up black?
These coffee preferences may best describe your personality.
Whether you have a cup of coffee in your hand all day or just need a little boost in the morning, how you drink your coffee and what kind of coffee you drink says a lot about your personality.
1) Those people who take cream and sugar with their coffee are good at being pleasant and small talk. If you don’t have anything nice to say, you can just sit back and sip your coffee.
2) Then there are the folks who need flavored coffee. Sure, a peppermint flavor or a little hazelnut can have its place once in a while, but it’s not an everyday flavor. You’re the kind of person who needs to mix it up all the time and always have a surprise in store!
3) If your coffee type is a complicated one that’s ordered in a coffee shop where you need to say several words to describe it, my guess is that you’re the type of person who showers and puts on makeup before heading to the gym. Well, maybe that’s not all bad!!
4) For those of you who drink straight-up black coffee, I’m assuming you’re a get-it-done person. No muss, no fuss. You take your coffee straight up, and you dish it out straight, too. Chances are I’d have a coffee with you.
The kind of coffee – Dark Roast, French Vanilla, Dark Roast Decaf and everything in between will be left for another time. Frankly, for me it depends on my mood and the time of day as to the kind of coffee I prefer…although, I don’t like it too strong!
So…What about you? How do you like your coffee…what is your coffee preference? Leave a ‘Comment’ below!
What is Your Coffee Preference?
Colorado Springs Over 50
We would love to hear from you on ideas you would like us to investigate and write about.