Scheduling and planning during your retirement

Scheduling and planning during your retirement

The retirement period is a very tough time mainly because it involves a transition in that usually, you are used to walking up very early, taking a quick shower, dressing up, having breakfast and rushing to work. With retirement however, it is possible that sometimes you will go to bed at night not knowing what exactly you are going to do the next day. It is therefore imperative that you have a good plan that schedules your day so that you will not have a hard time in the morning. Head to this site for 2020 medicare advantage quotes http://www.medicareadvantageplans2020.org

Scheduling will also ensure that you are able to balance your hours of sleep as advised by your doctor so that your body gets enough rest. This is because sometimes you realize that you end up sleeping for longer hours and this renders your body very tired and sluggish for the remaining part of the day. An average individual is advised to sleep for at most six hours a day. For an older adult however, the scales can be adjusted slightly so that their body gets a bit more rest.

Scheduling will also give you the peace of mind that comes with knowing that everything is in control and that you are in total mastery of your time in relation to activities planned. The absence of a working schedule spells out disorganization and this is perhaps why you realize that some things go undone. You also realize that you have stress trying to do other things with speed and this kind of stress is not good for your health.

Having a set order with which you do things also gives you time to have meals comfortably. Older adults have the challenge of having lower blood sugar if they skip meals. You realize however that this may be inevitable if you have so much work to do. Scheduling and planning how you will do things will ensure that there is enough time for you to get a meal, sit down calmly and enjoy the meal. It also spares you from digestion problems that come with eating fast. This therefore has a very significant role to play in a senior’s life and will be extended to the level of comfort that is witnessed by the individual.

In your scheduling, it is important that you spare some time for exercise so that your body is maintained at a comfortable, flexible and strong place. This is also a very crucial part of healthy living at the age of 65+ characteristic of retired individuals.

Easy to Follow Tips for Senior Citizens Who Want to Lose Weight

Easy to Follow Tips for Senior Citizens Who Want to Lose Weight

1. For seniors, eating small meals throughout the course of the day can prove beneficial to their health. Such a diet can also help reduce the feeling of hunger. Between the main meals, you can eat raw vegetables and fruits.

2. Food for those over 60 should contain 1900–2100 calories per day. If the task is to lose weight, then this figure should be reduced. But dramatically reducing the energy value of the diet at this age is not recommended. Therefore, a strict vegetarian diet is harmful for older people.

3. Hardly digestible fats (lard, sausages, butter, etc.) must, if not excluded, be severely limited. After all, heavy fats clog blood vessels with cholesterol. Fats can stay longer in the stomach and thereby eliminate the feeling of hunger. The solution is simple: you need to replace animal fats with vegetable. Be sure to consult with your doctor for suitable advice.

4. Protein in the diet of older people should be about 0.8–1 g per 1 kg of body weight. Fish, cottage cheese, seafood, nuts are some of the healthy sources of protein. Meat should be consumed no more than 1-2 times per week.

5. Seniors who want to lose weight, in particular, need to limit the consumption of carbohydrates – up to 100–200 g per day. For this, start by reducing the amount of easily digestible carbohydrates (sugar, honey, pastry, pasta and flour products, rice, semolina, potatoes) from your diet. Fermented milk products with zero fat content, enriched with live bacteria, are especially useful for older people – such food also promotes better bowel movement and promotes weight loss. Among fruits, apples should be preferred among all others. They contain an element called “epicatechin polyphenol”, which rejuvenates the heart and improves blood circulation in your body.

6. With the rising age, the feeling of thirst may get affected, however, it is obligatory for older people to drink 8 – 10 glasses water per day.

7. In order to lose weight more effectively, fasting can be arranged 1-3 times a week. It can boost metabolism and help quickly remove excess fat from your body.

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Seniors May Get These Things for Free

Seniors May Get These Things for Free

Saving money is very important especially now that people tend to live longer after retirement. The more we’ll love to enjoy all that life offers, the more money we’ll spend. Therefore, it is important that you save some money to take you through the long journey of retirement. There are some products and service that senior citizens can get for free or at a very good deal or discount which will make you save money for other things. These products and services include:

1.  Tax Counseling

Tax Counseling for the Elderly or TCE have been on the routine to offer free tax advice to the Senior citizens and have assisted them in preparing their tax documents. Most of the members of this group are seniors, therefore, you do not have a big deal of getting in tune with them.

2. Hearing aids

In some states, the cost of hearing aids is covered by Medicaid while other agencies like Rotary club and Lions Club International will assist you in obtaining a new hearing aid. If you are a US Veteran and 50% of the cause of your hearing loss is attributed to your service in the Armed Forces, the Veteran Administration will get you a new hearing aid free of charge.

3. Transportation

This service depends mostly on your state of residence. The state of San Francisco offers free transportation on the Muni to low-income seniors and the physically challenged individuals.

4. Food

The Federal government under the CSFP deliver healthy meals to the homes of seniors on monthly basis. Low-income seniors that qualify for the scheme can save some cash while enjoying this free or subsidized meals.

5. Beverages

Most restaurants offer free drinks to seniors who had bought at least one plate of the meal with them.

6. Cell Phone Service

The amount spent on the telephone tend to increase each day. Most states offer low-income seniors subsidized call rates through a plan called Lifeline. If you are under some government-funded program with an income that is below the poverty line, you will receive a discounted cell service of 100%. This service is often offered by Safelink Wireless in conjunction with the lifeline program.

7. Health Insurance Advise

Under the Senior Health Insurance Assistance Program (SHIP), you can obtain free health insurance advise that will provide you with the necessary information to access your complete healthcare benefits; especially the beneficiaries of Medicare. You will receive insights on the options that are available on the plan and other questions that bother on your legal rights as a beneficiary of Medicare Program such as a medicare advantage plan located at https://www.medicareadvantageplans2019.org

Approaching Retirement Age

Approaching Retirement Age

As you get closer to retirement, you need to be concerned about future changes. Why not be proactive by taking steps to put your new financial reality in your hands? In addition to working with a financial advisor to manage your financial affairs, you must be actively involved in the activities you can manage to ensure a smooth transition to retirement. Here are three recommended activities you should do in the year before your last day at work:

• Keep a control of your expenses. Your retirement habits will help you a lot in determining if you have enough to feel comfortable in the next few years, and your lifestyle after you leave the job market should match your retirement income. Take your calculator and carefully list the intended expenses. Identify recurring and predictable costs for utilities, homes, food and other necessities. Include money for free time and policy for the unexpected.

Consider simulating your retirement years by following the intended health budget for several months and making the necessary changes, if any. It is generally more realistic to think that material and discretionary retirement expenditures do not change dramatically.

• Make an appointment with Social Security. If you want your benefits to be used immediately, have a plan. The Social Security Administration suggests applying for grants 3 months before you start receiving them. This includes the benefits of Medicare that affect health care costs. Do your due diligence and see your financial advisor to comprehend how the benefits you receive will be affected by your retirement age, so an informed choice can be made. In addition, think about how your social security allowance can be influenced by other income, taxes and a spouse who works or does not work. Keep in mind that in most cases it makes sense to wait until age 70 to get benefits.

• Balance your investments. Evaluate your asset mix and reorganize your portfolio if you want to reduce risk and save capital. Depending on your goals and comfort in the event of potential volatility, you must dispose of high-risk stocks and transfer assets into safer and slower-growing investment vehicles. During retirement, liquidity can be higher, so consider transferring your funds into a more liquid saving. Work with your financial professionals at close range to ascertain your level of risk tolerance and converse on what is best for your goals and financial situation.

Once you are over the age limit, you can do 3 things in the first 3 months to get started.

• Start on the right path to stay on track. Start your retirement with the trick of keeping a close eye on your expenses and your income. With e-banking, investments and billing, it’s easier than ever to keep an eye on your dollars. Many banks provide budgeting tools with online banking; it enables you to see where your monthly expenses are at a glance. If within the first few months of your retirement, you find that your expenses are well above or below your expectations, consult your financial advisor again and see how you can adjust your monthly balance.

• Update your will and your insurance for medicare advantage plans found here https://www.medicareadvantage2019.org/ Now that the circumstances of your life have changed, check your will and your insurance policies. Are your beneficiaries informed of these contracts? Will yours be finished? You may find that the type and amount of your insurance differs from what you need now.

Smart Phone Benefits for Seniors

Smart Phone Benefits for Seniors

Contrary to what many older people tend to think, mobile phones  or smart phones are not devices only for young people, since they can also make life easier for them. There are two popular myths among older people associated with the use of mobile phones. The first is that they do not need this type of device because they have never used it before, and the second, because of its complexity, they will not know how to use it. Both of these beliefs are totally unfounded, since smart phones offer numerous benefits for the elderly, and are also quite easy to use.

First and foremost, it enables you to improve your self-esteem.  You can easily adapt to technological changes no matter how old you are. Also, when you try to learn new things, it ensures your brain stay active for longer period of time. In a short time, with a little help and practice, your smart phone will become almost your personal assistant because, among other features, they have a calendar where you can activate reminders for important dates such as birthdays or medical check-ups, calculator, flashlight, radio, and music player. And if you have an internet connection, you can even read an electronic version of your newspaper, find information on any topic that interests you, test your skills with memory games, or practice languages. Use your smartphone and get a supplement plan quote at https://www.bestmedicaresupplementplans2019.com/

And if all of this was not enough, smart phones also offer solutions to two of the major fears among elderly. One is loneliness – a very high percentage of older people live and feel alone – associated mostly with their loved ones being far away from them, and the other is the fear that something unexpected will happen to them – like a domestic accident, for example – and that nobody can assist them in time. When you’ve a smart phone at your finger tips, it helps you solve both of these concerns, since it enables you to keep in touch with your loved ones, no matter where they are, through different routes:

Voice calls or video calls

Instant messaging (text, photos, audios and videos).

Through apps like Skype, WhatsApp, Viber, etc.

As of now, practically all the smart phones on the market already have, by default, a quick dial menu, in which you are able to associate the contact numbers of people to call in case of an emergency.

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