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As we get older, it can get increasingly difficult to take care of large homes and the amount of stuff weve  collected over the years. The kids have moved out and are building lives of their own, and suddenly, the extra space isnt as necessary as it once was. If youre nearing retirement, now is a great time to consider downsizing. It can be hard to let go of a home where youve made years of memories, but downsizing is a practical way to keep your home maintenance manageable and put away money for health and other life expenses.For some seniors, downsizing isnt just a difficult decision but an actual economic necessity. As more Baby Boomers and Gen Xers near retirement age, downsizing might be the only way they can afford to stay retired.If youve considered selling your home for something smaller, there are a few factors you may want to consider. First, think about your personal reasons for downsizing economic or otherwise. Second, consider what kind of home youd like to move into. Finally, youll need to figure out whether selling your home would financially support the first two factors.Its not a fun situation unless youre planning to move somewhere exciting or close to your adult children but downsizing can be a prudent financial decision that can set you up to live out your retirement years in comfort.Heres an overview of why and how to downsize.Why you should consider downsizing nowThere are several reasons to consider downsizing in retirement, including:Manage your finances: For many people, finances are the number one reason to consider moving somewhere smaller. If you still have a mortgage, your home may not be affordable on your retirement budget, or you might need to free up money to pay for your Medicare and healthcare costs. If you manage the sale wisely and move somewhere that fits within your budget, you may be able to set yourself up for comfort in retirement.Give yourself the gift of less upkeep: Even if youre in perfect health now, aging takes its toll on everyone. Larger homes require significantly more maintenance and upkeep than smaller ones, especially townhomes, condominiums and apartments, where maintenance is typically taken care of by a management company. Upkeep also factors into your budget you can often save money on maintenance when you move into a smaller place.Easier relocating: Have you always wanted to live farther away from the city? Does a dry climate agree more with your lungs? Want to move closer to your children and grandchildren? Downsizing is the perfect opportunity to find your dream home in another area.Find a home with aging-in-place amenities: Many homes that were ideal for raising children dont fit your needs as you age. Downsizing allows you to find a home with built-in, aging-in-place amenities, so you can continue living independently for as long as you desire. Alternatively, if you suffer from serious health issues, you may wish to move to an assisted living facility to have on-site assistance.Eliminate clutter: We collect a lot of clutter over the years. Without a pressing need to get rid of the excess, its all too easy to let it pile up. Downsizing or moving of any kind is a good opportunity to sort out what you want to keep versus what you can let go, since your new home will have less room to store unnecessary items.How to downsize your homeIf youre interested in downsizing but arent sure where to start, here are a few tips:Make an appointment with a financial advisor: After youve decided why you want to downsize, youll need to figure out how to do it. Meeting with your financial advisor is crucial to determining the full picture. A good advisor can help you evaluate your income and assets, point out potential tax liabilities and identify other issues that might affect the downsizing process. In some cases, they may have suggestions regarding whether it makes more sense to sell your home or rent it out.Research smaller homes: The next item to tackle is research. Before you can go any further, youll need to figure out what it costs to live in the type of home you want, in the location you want. For example, a full-sized house in your dream city might cost more than your income can bear, but a condo in the same area could be affordable. Remember as you research to keep in mind the upkeep costs, HOA dues and other fees that may not be included in the list price.Research your mortgage options: If you sell your home and some assets, you may be able to get a good rate on a short-term mortgage for your new home. Shop around to find the best loan you can find. 10- to 15-year mortgages are a good choice for retirees because they allow you to gain equity in the home quickly with lower interest rates. If the 10-year options monthly payments are too high, 15-year mortgages are often more manageable.Find out your homes value: You probably have an idea of what your home might sell for, but the more realistic your estimate, the better. You can have your home appraised or research similar homes on websites like Zillow. In some cases, it wont make financial sense to sell your home. For example, if youll pay as much to rent a smaller home as you spend on the mortgage in your current home, it might be better to move and rent your home out for extra income.Make a realistic budget: Once you have an idea of what your home might sell for and where youd like to live, you can make a budget. A financial advisor may be able to give you an overall picture of what your retirement income will look like over the next few decades. Create a realistic monthly budget, leaving yourself as much wiggle room as possible. Dont forget that expenses in a different area might look much higher or lower than youre paying now, so do as much research as you can before committing.Dont forget the taxes and fees: One mistake people can make when downsizing is forgetting the taxes and fees that come with buying and selling a home. Agent commissions, property taxes, closing costs, capital gains and other fees can make a once-desirable home suddenly unaffordable.Once you have these details ironed out, it will be easier for you to find a smaller home that meets all of your needs.ConclusionFrom losing social networks to finding good healthcare providers in your new location, downsizing can be an emotional process. However, if its the right decision for your family, health and budget, it can set you up to live comfortably throughout your retirement.PlanEnroll is devoted to helping seniors find the right healthcare coverage for their needs. We represent a range of Medicare plans and can help you identify the benefits and coverage that are right for you.PlanEnroll is a brand operated by Integrity Marketing Group, LLC and used by its affiliated licensed insurance agencies that are certified to sell Medicare products. PlanEnroll is not endorsed by the Center for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency. We do not offer every plan available in your area. Please contact Medicare.gov, 1800MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Veterans Benefits for Non-Medical, Home Health Agency and Hospice CareVeterans who have served our nation deserve comprehensive support in their post-service lives, and the U.S. Department of Veterans Affairs (VA) offers a range of benefits to ensure their well-being. Beyond traditional medical care, many Veterans qualify for non-medical support, home health agency services, and hospice care. These benefits are designed to enhance quality of life, promote independence, and provide comfort during challenging times. Understanding these options can help Veterans and their families access the care they need.Non-Medical Benefits for VeteransNon-medical benefits encompass a variety of services that assist Veterans in their daily lives. One key program is the Veteran Directed Care (VDC) program, which allows Veterans to manage their own care by hiring personal aides, including family members or friends, to assist with tasks like bathing, dressing, or meal preparation. This program provides a monthly budget based on the Veterans needs, offering flexibility and control over how care is delivered. Another valuable resource is the Aid and Attendance (A&A) benefit, an additional pension for Veterans who require assistance with daily activities or are housebound. This financial support can be used to pay for non-medical caregivers, making it easier to age in place comfortably.Home Health Agency ServicesFor Veterans needing more structured support, the VA partners with home health agencies to deliver professional care at home. These services are available through the VA Home Health Care program and may include assistance from certified aides who help with personal care, light housekeeping, and mobility. While these services are not medical in nature (e.g., they dont involve skilled nursing or therapy), they play a critical role in maintaining independence. Eligibility typically requires enrollment in VA health care and a demonstrated need for assistance, as assessed by a VA provider. Veterans can also explore the Homemaker and Home Health Aide Program, which provides similar support for those with chronic conditions or disabilities, ensuring they receive consistent help tailored to their preferences.Hospice Care BenefitsWhen a Veteran faces a terminal illness, the VA offers hospice care to provide comfort and dignity in their final days. Hospice services focus on pain management, emotional support, and family counseling rather than curative treatment. Veterans enrolled in VA health care can access hospice through VA facilities, community partners, or at home. The VA Hospice and Palliative Care program ensures that care aligns with the Veterans wishes, often at no cost to the Veteran or their family. Additionally, Veterans receiving VA pension benefits may still qualify for A&A to offset hospice-related expenses, easing financial burdens during this time.Accessing These BenefitsTo take advantage of these programs, Veterans should contact their local VA office or use the VAs online portal at VA.gov. Eligibility often depends on factors like service history, disability rating, and income, so a consultation with a VA representative is key. These benefits reflect the nations commitment to honoring Veterans by supporting their independence and comfort at every stage of life. To learn more visit the Veterans Affairs website at www.va.gov/geriatrics or call 800-698-2411.

The SS United States: A Legendary Ocean Liners Final Chapter in Mobile, AlabamaFor decades, the SS United States was the pinnacle of American innovation, a sleek, steel-clad symbol of speed and luxury that ruled the high seas. Now, after years of uncertainty, this legendary ocean liner has found a temporary home in Mobile, Alabama, where it will undergo preparations for its final transformationbecoming the worlds largest artificial reef.As of March 28, 2025, the ship sits docked at the Port of Mobile, a ghost of its former grandeur but still commanding awe. Its arrival has sparked excitement, nostalgia, and even a bit of controversy as preservationists scramble for a last-minute rescue. But love it or mourn it, the SS United States is embarking on its final journey, and Mobile is playing a crucial role in its farewell.The Glory Days: Speed, Luxury, and Hollywood FameLaunched in 1952, the SS United States also known as the Big U was an engineering marvel. Built in Newport News, Virginia, it was designed to be both a luxury ocean liner and a secret military asset, capable of transforming into a troop transport if needed with the ability to carry 14,000 troops 10,000 miles without refueling. On its maiden voyage, it shattered records, crossing the Atlantic in just three days, 10 hours, and 40 minutesa feat no other passenger ship has beaten to this day.For nearly two decades, it was the way to travel between the United States and Europe. Celebrities, dignitaries, and socialites graced its decks, reveling in its opulent design and unparalleled speed. Hollywood took notice, too. The ship made memorable appearances in films like Disneys 1962 classic Bon Voyage!, where it served as the glamorous setting for a family adventure, and 1955s Gentlemen Marry Brunettes, where its sleek profile played a starring role. Even in 2013, the thriller Dead Man Down used the SS United States for atmospheric shots while it was docked in Philadelphia.But the golden age of ocean liners was not meant to last. By 1969, the rise of jet travel rendered transatlantic crossings obsolete, and the SS United States was retiredmarking the beginning of a long, uncertain future.From Neglect to New PurposeFor decades, the once-proud liner sat idle in Philadelphia, rusting away as preservation efforts struggled to secure funding. Dreams of transforming it into a hotel, museum, or entertainment venue never materialized. Then, in 2024, a decision was made: Okaloosa County, Florida, would purchase the vessel and repurpose it as an artificial reefa $10 million project that would give the ship a new purpose beneath the waves of the Gulf of America.Thus began the ships 401st and final voyage. On February 19, 2025, it was towed 1,800 nautical miles from Philadelphia to Mobile, arriving ahead of schedule on March 3. Spectators lined the waterfront, watching as the once-glorious ocean liner, now a shell of its former self, was guided into port.A Temporary Stay in MobileNow docked at Modern American Recycling Services (MARS), the SS United States is undergoing extensive preparation before its submersion. Over the next six to twelve months, crews will strip the ship of non-metal materials, wiring, and hazardous components, ensuring it is environmentally safe. Holes will be carefully cut into the hull so that when it is finally submerged, it settles uprightproviding a thriving habitat for grouper, snapper, and tuna.While many celebrate this transformation as a fitting second life, preservationists arent giving up without a fight. Organizations like the SS United States Conservancy continue to push for an alternative, hoping to turn the ship into a floating museum akin to the USS Alabama in Mobile Bay. A Tourist Boom in MobileRegardless of its fate, the SS United States has already left an impact on Mobiles tourism scene. Locals and visitors alike are flocking to catch a glimpse of this historic ship before it disappears beneath the ocean. Harbor cruises aboard the Perdido Queen and tours through Blakeley State Park have sold out quickly with maritime enthusiasts eager to snap photos and reflect on the ships remarkable past and those looking to explore Mobiles deep connections to the sea.The Final GoodbyeDespite the nostalgia, the clock is ticking. Soon, the SS United States will make its last journey, not to another port, but to the ocean floor off the coast of Florida. Once there, it will begin its final rolenot as a fading relic, but as a vibrant, living reef, fostering marine life for generations to come. For now, as it looms over the Port of Mobile, it remains a towering testament to American ingenuity, ambition, and the fleeting nature of technological supremacy. Whether you see it as a tragic loss or a poetic new beginning, one thing is certain: the legacy of the SS United States will live onabove the waves, beneath the ocean, and in the hearts of those who remember its glory.