Calculate the Costs of Retiring the Way You Want

How much does it cost to live the kind of retirement lifestyle you’re planning? Retirement planning when you’re still working can look a lot different than retirement planning as you become an older senior with changing needs.

There are several lifestyles you may want to consider as you become an older senior. One of the most important factors to consider as you evaluate your options and calculate your costs is the level of care you need now and that you will need in the future.

Staying at Home

Staying at home is a popular option among many seniors, but it can also prove to be an expensive one. There are several costs to consider if you want to stay at home:

  • Upkeep such as necessary repairs, as well as lawn care and snow removal
  • ● Senior-friendly renovations that use universal design, such as non-slip flooring, walk-in tubs, lever door handles, and step-free entrances
  • Costs of home care if you need assisted living or nursing care

Depending on your financial situation, you may also have to keep up with mortgage or rent payments.

Downsizing

Downsizing is a smart strategy for many seniors who no longer need to live in a large home. By moving from a large home into a condo or apartment, you can also minimize the necessary renovations by living somewhere with stairs.

Downsizing can also help you cover the ongoing costs of your later retirement. This sheet can help you calculate the proceeds of selling a home and how it can fund your later retirement and any care you might need.

Retirement Residences

An alternative way of downsizing is moving into a retirement residence or community. Rather than handle the upkeep, costs, and responsibilities of your own smaller condo or apartment, you could move into a suite in a retirement community where you won’t have to worry about housekeeping or cooking for yourself.

Retirement residences can also offer flexible care. As you age, your needs change. A progressive illness such as Alzheimer’s will also mean that your care needs can evolve rapidly. A retirement residence is one of the easiest ways to get care that matches changing requirements without having to move again.

Care costs are often the most expensive part of your later retirement. Use resources online to compare the costs of assisted living with more intensive care such as memory care.

Assisted living in retirement residences such as All Seniors Care Living Centres can assist you with many of the Activities of Daily Living. These are activities that some older seniors may struggle with due to disability or mobility issues. They include bathing, eating, dressing, toileting, and transferring. The most common issues among retirement community residents are bathing and dressing.

If you’re going to have an evolving need for care, find a long term care facility near you and ask how they can meet your unique needs.

From assisted living to memory care, a retirement residence can often provide superior care more affordably and give your family more peace of mind. Consider all your options for the later part of your retirement.

Buying a Remote Home: What You Need to Know

While some people are completely unable to cope without the advantages of the big city, there are others who dream of living far away from the hustle and bustle. Increasingly, more people than ever are looking at the benefits of a more remote existence, and the increase in connectivity afforded by the internet means that losing out on some of the big city benefits is largely minimized. From lower costs to making sure that you have adequate supplies, here’s everything that you need to know if you dream of living far away from the frantic demands of chaotic city living.

Lower Costs

Not only will your rental costs be lower the further away from the city you get, your cost of living will drop as well. Paying to live in a metropolis is very expensive, and even local amenities can charge more. You can spend less per month if you live more remotely, and you can use that money to improve your quality of life in a variety of ways. When looking at potential properties that appeal to you, make sure that you get some professional advice. Remember to Compare Conveyancing Quotes to ensure that you know exactly what your overall costs are going to be, and you could end up with a much better home than you ever imagined.

More Space

If there’s one thing that most people miss when they live in a city, it’s space. If you live somewhere more remote, not only will you be paying less rent, you’ll be getting more space for your money as well. How you use that space is up to you, but more people are turning their hand to growing their own food, and you could be lowering your food bill more than you think by doing the same. Growing your own food also means that you will have to rely less on long trips to get supplies, so it might be worth putting the work in to save travel costs.

Connection Effort

One of the biggest problems with any move is making sure that you remain connected to people. While conversations over social media or email are useful for keeping in touch, there’s nothing quite like meeting up in person. One of the potential issues that you face if you move somewhere more remote is that making arrangements to meet up can be very complicated. Travel itself may even become an issue, with airports and public transport links much harder to get to.

Better Quality of Life

You might not have a Starbucks within easy reach, but there are some great advantages to living far away from the city centre. These include:

  • More privacy – You can’t take a step in a city without bumping into someone. Live remotely, and you may not see another human being for days or even weeks.
  • Better mental health – Research has shown that being in the great outdoors is very beneficial for boosting mental health.
  • Clean air – Cars and buses do not make the air very pleasant in a city. Being distanced from all of that traffic will work wonders on your health, and you will breathe much easier as a result.
  • Lower crime rates – Cities can be dangerous, and almost everyone who lives in one has been the victim of a crime of some kind. Fewer people means less crime, and rural crime rates are much lower than those of a big city.

It may not be for everyone, but living in a more remote location has many benefits. There are downsides, so if you’re considering a move, make sure that those downsides are not going to be ones that overly affect you. Take your time to find the perfect remote home, and you might wonder why you ever tolerated the fast and stressful pace of city living.

5 Hobbies for Stay-At-Home Moms

All moms need a break from the grind and routine of raising children and managing a family. It’s a lot of work!

Sometimes, we need to unwind and have some time to ourselves, whether that’s by reading a book in a quiet corner or watching a show on Netflix.

Of course, if you want something more satisfying and long-term, there are many hobbies to enjoy.

Here are 5 of the best hobbies for stay-at-home moms that will help you stay out of a rut!

Blogging

Mommy bloggers have become very popular in the last decade, and it’s no surprise why. Most moms have a lot to say and share!

The mommy blogger community is very welcoming of new bloggers, and building friendships is a large part of the fun of blogging.

Of course, there are also other positive aspects. For one, it’s a great way to keep a journal of your experiences, thoughts, trips and practically anything you want to share on the blog.

Friends & family can stay up-to-date by following your posts and photos.

Additionally, it requires a combination of many skills, which also improve with practice such as writing, photographing, photo editing and even marketing.

A successful blog requires dedication, time and work and may even reach a point of being profitable.

This makes it more than just a great hobby – it could be a solid way to gain a side income.

Drawing

Drawing is a wonderful way to express your inner creativity.

Many people use it as a path toward meditation, when your focus is completely on the paper and the pen.

It offers a way to stay focused on the now and keep your mind distracted from responsibilities and the exhaustion that come with being a parent.

Like most hobbies or skills, this one takes practice and learning. A smart way to improve your drawing skills is to use a drawing light board. This way, you can trace your own drawings (or even other drawings) and improve upon them.

Photography

Picking up photography as a hobby is both practical and fun.

On the practical end, you can learn to develop stunning photos of your family and especially of your kids. These photos will be treasured forever and can also be a great keepsake for grandparents.

Great photography is a skill that must be honed and improved through practice and increased knowledge.

Sure, you can use your mobile phone to photograph a few sessions and they’ll look good. But to really create beautiful photos, you will need to learn the tricks and tips behind the complex world of photography.

Of course, with practice and improvement, mommies can use this valuable skill-set for work as well.

Walking and jogging

As a busy mom, it’s easy to lose sight of yourself and your own health… It seems like everyone else’s needs are a higher priority.

It’s important for stay-at-home moms to stay active outside the home. Activity is always important for health, but so are fresh air and some quiet time alone with your thoughts.

Walking and jogging is also a great way to reduce stress. Plus, it happens to be a completely free hobby!

Take advantage of the time your kids are in school or at a sports practice to take a walk or jog. Even short ones will do wonders for your physical and mental health!

Cooking

It may feel like moms are in the kitchen too long to begin with, but there’s a difference between cooking for fun and for chore.

Forget the chicken nuggets and spaghetti – what do you want to cook for yourself? Was there a delicious-looking recipe on Pinterest that you would love to try?

Learn about new flavors, try different techniques and even give a go at baking.

Doing so can make cooking so much more exciting – especially when it’s focused on you rather than everyone else.

How To Look After Your Kids When You’re Gone

It’s vitally important that you are honest with your children and to encourage two-way open communication, but we all know that some of the most important topics can be the hardest to discuss: the birds and the bees talk comes to mind, of course.There is one topic that’s even more important to those you love, and many of us find it difficult to think about. I’m talking about your passing, and how you can still help those you leave behind. It’s an emotive concept, but it pays to think about it when you’re in good health, for early planning can ensure you’re still looking after your children at what will be the most difficult time.

Preparing Your Will

Preparing your will is one of the most important things you’ll ever do, and it becomes even more essential when you’re a parent. Dying intestate (without a will) can cause stress for your loved ones at a time when they least need it, so it pays to take advantage of the estate planning services offered by experts such as The FinityLaw Firm. They’ll help you write your will, so that you can be sure your money and assets will be distributed exactly as you want them to be. They can also help you navigate complex estate laws, meaning that you’ll be able to maximize the legacy that you leave to those you love.

Planning Your Funeral

There can be few things worse in life than having to plan the funeral of a parent or loved one, so why not protect your children from that pain by planning it well in advance? Pre-planning your funeral may sound morbid, but it’s something everyone should do, as it means that you can have a funeral that perfectly meets the requirements and wishes of you and your family. It also means that you can spread the cost of a funeral into affordable installments, and this ensures that your offspring won’t have to find the money themselves at a time when they’re coping with a bereavement.

Leave A Personal Message

When we lose a loved one, we often naturally wish that they could speak to us one more time. That’s why a personal video message to be played at or after your funeral can be such a great idea. There’s a lot of things you’ll probably want to say, but the crux of the message is how much you love those you’ve left behind and how proud you are of them. It’s an incredibly powerful message, and an incredibly moving one, and whilst it may bring tears to the listeners, it will also fill their hearts with love and be greatly prized. There is an increasing number of companies offering this service now across the United States.

There’s never been a better time to speak to expert solicitors about your estate, write your will, plan your funeral or think about a final message. Our passing is the only inevitable event in our lives, but we can take action today to make it as smooth as possible for those we leave behind. We can’t stop their tears, but we can leave our children a legacy that will help them have as happy a life as possible in the years ahead.

Move Over Minivan: The Pickup is the New Family Vehicle of Choice

For the longest time, the unofficial vehicle of the soccer mom was the minivan. Three rows of seats, plenty of space in the back and decent gas mileage made these rides the default vehicle of choice for families going places across town. But things have changed.

These days, trucks and SUVs get better gas mileage, more families are taking adventures in the great outdoors, and larger vehicles can do more to cater to family lifestyles. Of all the options you have — and there are plenty — here’s why a quality, dependable truck should be your next family vehicle.

Sports Gear

A full-size pickup can carry a lot of stuff. Hockey sticks, soccer balls, football pads, baseball bats — you name it. Your kids could play every sport on the map and your truck bed will likely be able to hold every piece of gear for it. And if this sounds like an organizational mess, truck beds are perfectly modular for these situations.

You can pick up all sorts of dividers and cargo nets that will keep your kids’ gear in order. But since truck beds are open and vulnerable against theft, a good tonneau cover will keep it all locked up and safe from criminals in the parking lot.

Outdoors Adventures

Thanks to social media, outdoor recreation has grown tremendously in the last 10 years. But getting out in the wilderness is where the minivan falls short. While most national and state parks offer paved roads for passenger vehicles, the places you really want to go are only accessible by choppy dirt roads.

Now, you don’t need a Jeep Wrangler to access these spots, but a dependable pickup with high clearance (as most now feature) and four-wheel drive will get you to virtually any campsite you desire. Slap a solid pair of all-terrain tires on your vehicle, and you and the whole family will be ready to conquer the great outdoors.

Cabin Space

The older trucks of yesteryear used to serve as single-row utility vehicles, with room for two or maybe three people. Even trucks with back seats could barely fit a family comfortably for a short drive, let alone a long road trip. But today’s pickups have all the room of full-size, two-row SUVs, plus all that room for gear in the bed. No, there is no third row in a pickup, but if you’re only driving four to five people, this really is a non-issue.

Safety Features

Here’s a common misconception: Trucks aren’t as safe as other vehicles. Maybe that was true in decades past, but the roomy cabins inside pickups are now just as safe, if not more, than other passenger vehicles.

Newer versions of the Ford F-150, Chevy Silverado and Toyota Tundra come packed with airbags and other added safety features that will protect you and your family in a collision. And since they’re so much larger than other vehicles on the road, it adds an extra layer of protection in the event of a crash.

Fun Factor

Soccer moms, dads and parents all around: Let’s just admit what we always know — minivans aren’t necessarily cool. We buy them because they check the boxes we need for hauling our kids across town, with plenty of room to store their stuff in the back. But deep down we wish we were behind the wheel of something else.

The truck fixes all of that, especially if you’re a family who loves the outdoors. Indeed, there’s nothing better than a full-size, double-cab pickup to kick up some mud with the whole family inside. Let’s see a minivan do any of that.

Choosing an Original Wedding Gift

Wedding gifts tend to follow a set trend, and it can get very repetitive. Even if you try to find an original gift you are going to come across some that are simply not original at all: photo frames, for example, come up time and time again and are, well, boring! What can you do if you want to buy someone a truly original wedding gift? Let’s have a look at a few ideas!

Fun Gift Ideas

If you are buying for a couple with a good sense of humour, why not get them something that is fun and frivolous? After all, you can leave the practical things to others, and indulge in a bit of fun! There are some great gift ideas out there that take the photograph idea, that we mentioned above, and make it something very different. His and Hers pillows, for example, with their portrait on, or a chair cover or cushions in similar. Or what about personalised cups or mugs for a cheap and cheerful laugh? All of this can be done on a budget and makes for a great gift idea.

Delicious Gift Ideas

Food is always a welcome gift, but why not take it a step further and get the lucky couple a gift voucher for their favourite restaurant or bar? You could even add a round of drinks to make it more enjoyable! If you want, you could even make it personal, and actually take them out for dinner somewhere nice. There are many different ideas about meals, and some come with some sensible discounts and additional features, so shop around locally for the best options.

Wonderful Gift Baskets

One of the best wedding gifts ideas we came across was that of gift baskets, and the sheer choice of options is quite brilliant. They come in a wide variety of shapes and sizes, and with many different ingredients and components, and make for an excellent, original gift at what can only be described as a sensible price. There is bound to be something to make every couple smile among these, so check them out carefully for the best deals.

A Day Out

Why not expand the meal idea, and take your friends on a fun and exciting day out as a wedding gift? Do something different that you will all enjoy – perhaps take them to an amusement park, or a concert or show – and have a day together that you will all remember? Once again, this is an idea that brings to the table so many options and adds something special to your memories, and there are some really great deals out there if you take a look around.

The above are just a few of the great ideas we found for original wedding gifts, and there are many more possibilities that you could choose. Why not have a look around for more gift ideas, and see if you can come up with some original ideas of your own?

Try Gymnastics This Summer

 

 

Almost every child spends the whole year looking forward to the summer. They are tired of waking up early and spending the whole day in the school building with their books and teachers. They are ready to sleep in again and to spend the whole day playing with their friends. Unfortunately, as much as every kid builds it up in their heads, summer is not always the constant fun that children expect it to be. After about two weeks of sleeping in and playing all day long, the child will likely utter the words, “I am bored.”

Without the busy schedule of school and extracurriculars, many children find way more time on their hands than they wanted. Therefore, the summer is the perfect time to get a child started in gymnastics at Trix Acro Gym. When you register your child for gymnastics, you and the child will both soon see that this program is exactly what the summer needed for multiple reasons.

Provides Something to Do

As mentioned before, after a week or two of all-day play, your child is going to be looking to leave the house and enjoy other activities. Gymnastics is the perfect outlet for this. It puts a day and time on every calendar that the child can look forward to. This provides an outlet so that the child to escape their day-to-day life and try something new and exciting.

Keeps Them Active

Statistics show that children are significantly lazier during the summer months than the children were years ago. Now, with the option of streaming tv shows and endless video games, children spend more and more of their precious summer days indoors in front of a screen. Research shows that in these weeks lacking proper activity, students can lose all fitness achievements that they might have gained during the school year through mediums such as recess and physical education classes. Gymnastics is a wonderful option for keeping your child active and in shape during these summer months. It combines cardio, strength training, and flexibility to provide a well-rounded workout. The days spent at the gym should more than make up for the recess and physical educations classes that your child is missing over the summer months.

Provides Social Interaction

One of the things that some students are deprived of the most during summer months is social interaction. There are days when a child only talks to their parents and siblings. This is a huge adjustment from what the child might be used to, as they interact with many other children throughout the day at school. Gymnastics not only provides an option for students to interact with other kids over the summer, but it is also an opportunity for children to further develop social skills in a new arena and develop important life skills. No matter the age of the child, they can improve social interaction skills during their time at the gym.

If you have been considering signing your child up for gymnastics lessons, this summer could be the perfect chance to do so.

Why Kids Still Love Swing Sets

 

 

If you are thinking this is the summer you will install a backyard jungle gym, you may be wondering what the best parts are to include and which accessories and additions you should have as part of the ensemble.  From slides to play houses to monkey bars and climbing walls, one thing is for certain: you definitely need a swing set. More than just a part of the playground equipment, or an added component to the jungle gym, there are a lot of compelling reasons why kids still love swing sets:

  • Swings are fun and exhilarating!
  • Swinging helps kids calm downand relax.
  • Time spent outdoors on the swings helps children sleep better.
  • Swings are a great place to play with other kids or family members.

Knowing how much they love them, you will definitely need to ensure it is part of the plan when you install a backyard jungle gym. In addition to thinking about what the parts are of the gym you are going to install however, don’t forget these other important considerations for jungle gym installation:

Consider Space and Cover

The first step in choosing your Funscapes jungle gym is to consider how much space you have to work with and whether you are going to install special ground cover or simply build the set on your pre-existing lawn. Ground cover options are available to reduce impact and injury should your child fall off of the jungle gym, but are an added expense and require adequate space.  There are lots of jungle gym combinations, no matter what amount of space you have, so do some planning and then talk to Funscapes about your options.

Account for Growing Kids

Installing a backyard jungle gym with Funscapes is going to be an investment in the future of your family and your children, allowing for many years ahead of outdoor family time and great memories on the swing set and slide.  But don’t forget that your kids will grow – both in size and maturity – and you want them to be able to use the jungle gym for many years to come.  Consider this when you are choosing what components to add to your jungle gym, the height of slides and houses, as well as the type of swing sets you select.

Remember Safety

While it is a top priority for the installation staff at Funscapes, it is also partly the responsibility of you, the owner, to keep safety in mind at all times when you and your family are installing and using a backyard jungle gym.  While the ground cover, as mentioned above, will help soften the landing for any unwanted falls, keeping your jungle gym in top condition is also critical. Always check to make sure safety guards such as handrails, gates, and step ladders are properly secured and functioning, and call us up if there are any problems.

There are many reasons kids still love swing sets, not to mention many opportunities for you to easily install them in the backyard for your kids to use.  With all of this in mind, get started on your plans today by contacting Funscapes to learn about the best jungle gym options for you and your family.

Terrific Ideas For When You Want To Revamp Your Small Patio

 

Smaller outdoor spaces can make your life difficult, especially if you want to redecorate — when you grab a table or desk that’s too large, you risk taking up half of the patio. If you want to know how to make your outdoor space feel absolutely breezy regardless of its actual size, try these savvy design tricks.

Sliding Windows And Doors

Hinged doors and windows can knock into your furniture, scrape against surfaces and take up too much precious space, so look for convenient styles like sliding patio doors and slider windows, which glide easily along set tracks. You can get these handy back entrance designs from a seasoned company like Golden Windows, which has been manufacturing, distributing and installing first-rate Kitchener windows and doors for more than fifty years. If you already have old versions of these elements, this company can make sure to give you tremendous upgrades — they can help you replace those old slider windows and sliding patio doors so that you don’t have to deal with unwanted drafts getting into your home and raising your monthly hydro bills. Their Kitchener windows and doors are all crafted with expert care and high-quality materials, so they are known for being functional and energy-efficient.

Vertical Gardens

Not every home is equipped with a grassy lawn or garden plot in the backyard, but that doesn’t mean there can’t be gorgeous plant-life on the patio. When you’re worried about taking up any more floor-space than you need to, you can make a vertical garden with your plants — this means that you can either arrange your pots along the wall or hang them from the ceiling to conserve room. Upcycle an old ladder, dresser or wood pallet to make a standing garden with potted ferns and flowers. If you want to take a more delicate approach, dangle terrariums in glass orbs or light bulbs from the ceiling.

Strategic Furniture Choices

One of the most useful tips for decorating a small patio is choosing furniture pieces that are incredibly convenient — pick items that can provide more than one purpose or that can be easily tucked away. If you are going to have a bulky bench taking up room on the patio, get one with a hollowed out top so you can store items like cushions and pillows inside. If you are going to put out a set of chairs for guests, pick ones that are foldable and that can be set aside when they are not needed. You may be the type of person that wants to start grilling food the moment that the weather is nice, so another one of the features that will maximize a small space outdoors is a fold-out barbeque.

You don’t have to have a gigantic lawn or an extravagant garden to feel like you have ample outdoor space. When you follow these three suggestions, you will be convinced that you have added metres to your entire property.

Removing Trees is a Job for the Experts

When you stop to give it a little thought, trees are amazing plants. Some can grow to quite amazing heights, and there are so many different varieties that you are never short of choice when it comes to planting trees in your garden. Some trees grow surprisingly fast, too, and can reach a great height very quickly; others are slow-growing, and may not seem to be doing much at all for a while!

There are considerations you need to think about when you choose to plant trees: the first is that some species have extensive root systems. This means the roots can stretch a long way underground and, if there are buildings nearby, it is not unusual for this to result in structural damage. Also, tall mature trees provide a heavy canopy of leaves, which cast a shadow over the ground beneath and this can stem the growth of any plants that may be there, or it can cause your home to be permanently in the shade.

Expert Tree Removal

If you live in a house that has mature trees in the garden you may already have experienced the above mentioned problems. This is when you need to consider not just chopping back the trees, but removing them completely. It may seem like drastic action, but trees are living things and, no matter how much you cut them back, they will grow again. So, having them cut back regularly is expenditure you can do without.

You might need a tree removing for other reasons: it could be that it is not what you want in your garden – some species are poisonous to animals, after all – or you may need trees taking out to make way for construction work. It could be that a previous owner has removed trees but left the stumps, and these are very difficult to get rid of unless you enlist the help of expert tree removal in Lansing to do the job.

Being local, they can help you with everything you need and also keep the costs to a sensible level, and will take on even the most difficult stump removal as well as attending to pruning and trimming if you require.

Avoid the Dangers

It is strongly advised you do not try and remove trees – or stumps, for that matter – yourself. There are inherent dangers, and cutting down a mature tree requires very careful planning, as well as specialist tools and knowledge of the correct techniques. Even the slightest mistake can result in injury and damage to surrounding properties, so you should leave it to the experts every time.

If you want to carry out your own pruning you can give it a go, but will you have the time to do it as and when it is needed? Expert tree pruning can cost you surprisingly little, and will keep on top of any problems that may occur in the future. Get in touch now for a free, no-obligation quote for all your tree removal and management requirements.