Serving Those who have Served Us

Honoring Veterans

Benefits for Aging Veterans.

When we are in our 30s and 40s, retirement seems like something that is light years away. But before we know it, we’re celebrating our last day at work, and looking forward to what the future holds.

According to projections released by the U.S. Bureau of Labor Statistics, more than a fifth of boomers 65 and older have not saved enough for retirement. Because of their lack of savings, these boomers will most likely have to work well into their 70s – either at full-time or part-time jobs – to supplement their social security benefits.

Regardless of whether you are among those who have planned well for retirement, it never hurts to take advantage of the many programs and benefits available to seniors and boomers. There are a number of programs available to seniors and boomers who are experiencing financial difficulties. Whether it’s assistance paying your mortgage or utility bills, or help paying for monthly prescription medication, there are resources available. Continue reading

Age as a State of Mind

Seniors not letting their age slow them down

Why 60 is the new 40

Ever hear the old sayings that “age is just a state of mind” and “you’re only as old as you feel?”

There is some truth to the idea that how we perceive ourselves has a profound effect on how we feel, both physically and emotionally. A study conducted by PhD student Krystal Warmoth of Exeter University bolsters the belief that our thoughts about aging have a definite impact on how we age.

Warmoth’s study – which included 29 people aged 66 to 98 – determined that individuals who considered themselves to be frail and who were in the mindset of thinking they were too old to do certain activities were more likely to abandon the activities and lifestyle choices that would actually help to keep their minds and their bodies looking and feeling younger. Her findings indicated a clear correlation between a negative outlook on one’s physical condition and a disinterest in socializing and being active.

Other studies, such as this one from Barbara Fredrickson, a psychology researcher at the University of North Carolina, lend to the notion that there is power in positive thinking. Fredrickson concluded that the ability to think positively has a profound impact on a person’s work, their health and their overall life span. Continue reading

Leaving a Legacy, Instead of Excuses

What is your legacy

How will you be Remembered?

“It pains me to admit it, but apparently, I have passed away.”

So begins the pithy obituary Emily Phillips self-penned, which appeared in the Jacksonville Times Union following her death on March 25, 2015. The obituary goes on to capture the life – and humorous personality – of Mrs. Phillips in a way that let even perfect strangers know that she had lived a well and full life.

Phillips isn’t the only one who was interested in making her obituary read like an adventure novel instead of a death knell. Readers of Mary “Pat” Stocks’ obituary may have found themselves giggling more than crying. “She left behind a hell of a lot of stuff to her daughter and sons who have no idea what to do with it,” it reads just two lines in. The obituary also decries the cause of death as the 94-year-old carrying her oxygen tank up a flight of stairs to get to her bedroom the night before.

James Groth made what can only be described as his final sarcastic comments via his self-penned obituary following his death on July 28, 2015. Among the other things he shares about his life, Groth notes that he died knowing that “Monty Python and the Holy Grail was the best movie ever” and that his regrets were few, “but include eating a rotisserie hot dog from a convenience store in the summer of 2002.” Continue reading

Avoid the Wardrobe Malfunction

Using a wardrobe consultant

Top Tips for Stylish Seniors.

For some seniors and boomers, retirement is all about the ability to do whatever you want, whenever you want, while wearing whatever you want. After years of conforming to the working world – with its stuffy suits and starchy business attire – it can be a welcome relief to pull on a pair of old sweatpants and just hang out.

While it’s true that if you’re just hanging out and relaxing, it doesn’t really matter what you wear, there may be times when you need to wear something a little more formal than your favorite pair of golf shorts. There also may be times when – especially during the downsizing process – that you need to eliminate unneeded or infrequently used items to make room for belongings you will need to take with you to your new home.

Pros and Cons of Hiring a Wardrobe Pro

In these and other occasions, a wardrobe consultant can be an invaluable asset. Wardrobe consultants assist their clients with a variety of issues relating to fashion. They can provide clients with suggestions to enhance their appearances and their wardrobes for special events or occasions, or assist clients in improving or downsizing their daily wardrobes. Continue reading

Go the Extra Mile to Protect Your Property

The importance of homeowner insurance

Why Seniors Need Renters or Homeowner Insurance.

As we age, we find ourselves investing in a number of things that provide an extra layer of protection: life insurance, a quality health insurance plan or supplemental insurance to Medicare coverage and even a home alarm system to protect us and our belongings.

But many seniors skip the obvious when it comes to shielding themselves against unexpected expenses – renters or homeowner insurance.

Pros and Cons of Coverage

Whether you own or rent your home, chances are, what would happen if someone was hurt on your property isn’t forefront in your mind. You may think it will never happen to you. And while it is true that not everyone will experience these kinds of unfortunate events in their lifetime, insurance is designed for the “what if” scenarios. Going without adequate coverage is not a gamble that should ever be taken. Continue reading

Safe Senior Driving

Senior driving

Hit the Road or Hand in the Keys?

Ageing is an all-encompassing inevitability. Along with the physical and emotional components of growing older, a number of varied decisions must be made regarding an individual’s safety and quality of life as they age.  With an ever-increasing population of baby boomers aging into the senior category of 65+, the surge of older Americans hitting the road has prompted distressing statistics as in elder drivers being twice as likely to die in car crashes than middle-aged individuals.

Careful Evaluation 

With normal health and physical restrictions due to the aging process, many seniors cling to their ability to drive and refuse to recognize the safety hazards they may pose to themselves and others on the road, outliving their ability to drive safely by 7 to even 10 years. With over 40 million boomers on the road (a 50% increase from 1999) and many of them ill-equipped with the necessary reaction times, eyesight, and physical maneuvers to drive safely, an average of 16 older Americans are killed and 648 are injured each day from car accidents. With these staggering numbers, it is up to physicians, caregivers, rehab care clinic workers, geriatric services, family members, and even seniors themselves to assess their command of the skills required to drive safely. Continue reading

Best Places to Age in Grace

Athens, Georgia - Sean Pavone - Retirement destination options

Tips for Selecting a Retirement Destination.

There are a number of things we must consider when planning for our retirement. Among the most important considerations is our debt obligations, whether we have saved enough to retire comfortably and where we intend to live out our golden years.

While many seniors and boomers downsize in retirement, they tend to focus on the design of the home or the amenities of a retirement community, rather than the location. Failing to consider the location in which you plan to spend your retirement years can end up costing you more in your retirement savings than you had anticipated spending.

Finding a senior-friendly city and state is a crucial component to retirement. Not only will it mean an easier time finding the services you need, but it also will guarantee that your retirement savings will stretch further. There are a number of cost-effective cities, including some where you can live for as little as $100 per day.

Newspapers, magazines and online resources that focus on retirees have all taken a stab at compiling lists of the best places for seniors and boomers to retire. We’ve examined many of those reports, and have compiled our list of the top places for seniors to age in grace. Continue reading

Moving Right Along

One of many mobility options

Exploring Mobility Options for Seniors.

There are many things to which we look forward as we age: the ability to spend less time working and more time with our families having fun; the ability to travel and see new sights; and the freedom to try out new hobbies we’ve never had time to explore.

But there also are some things about aging that can be a hardship, including the loss of our mobility. Whether due to age, illness or injury, loss of mobility can put a crimp in our plans for retirement and beyond. We take for granted the ability to get up and walk across the room – or to stand for longer periods of time – until we find we can no longer do either comfortably or safely.

When this happens, it may be time to explore mobility assistive options such as scooters, walkers and canes. Continue reading

How to Stay Safe While Traveling Solo

Senior woman safely traveling alone

Top Tips for Going it Alone.

For many seniors and boomers, traveling is something to which they are looking forward when they finally retire and have more free time on their hands. Many have a bucket list that includes places they want to see and explore, and some have been saving for years to be able to afford the luxury.

According to the AARP, boomers were the most active travelers in 2016, taking an average of four to five trips per year for leisure. Forty-five percent of seniors and boomers traveled both domestically and internationally last year, and the trend is expected to continue into 2017. The AARP also reports that 62 percent of boomers traveling in 2016 were couples (married or living together) traveling internationally and 74 percent of those were traveling domestically.

But what about single men and women who wish to travel, but don’t have a companion to accompany them? This may pose more of a challenge to senior women than men, as women can face greater obstacles and safety concerns when traveling alone. If you are a single senior woman who wants to travel, there are ways to make your dream a reality. Continue reading

Relocating or Downsizing to Another State?

Relocating to a new home

Top Tips to Make Sure the Move is Stress-Free.

Downsizing for any reason can be a taxing endeavor. There are a number of steps in the process that, if not completed in the right order, can end up causing more stress than necessary. In fact, knowing which steps to take and in which order is one of the informational sessions we present at each one of our Upside of Downsizing conferences.

Sometimes downsizing involves moving, and not just from one residence to another, or from one town to another in your home state. It can involve relocating to an entirely new state, which adds another column of items to your “to do” list. Continue reading