Bradford Square Retirement Community

When you look at all the benefits of living at Resort Lifestyle Communities, its hard to imagine living anywhere else. Whether its luxurious accommodations, gourmet meals, 24/7 access to medical care, or all-inclusive services and amenities, there are so many reasons youll be thankful you decided to make the move. However, figuring out how youll finance your new lifestyle can be a concern for many. The good news is there are plenty of ways you can afford to make your ideal retirement lifestyle a reality. Here are just a few.  Short-term Bridge LoansTimes are a-changin', but not for the worse! With the number of people aged 65 and older on the rise, more and more companies are providing specialized services for seniors. Organizations such as Elderlife Financial Services can make it easier to afford, plan, and fund your housing needs. One such way theyre able to do this is through bridge loans. Bridge loans help you cover costs while you wait for your home to sell or for other benefits to kick in.PensionsIf youre fortunate enough to have a pension, then this is a great option to fund your new lifestyle. Thats because they provide you with a steady stream of income every month once you reach a specific retirement age. Unfortunately, not all employers offer pensionsthough most government organizations and some large companies still do. If you find yourself without a pension, consider other retirement funds, like a 401(k), for example.  401(k) and Other Types of Retirement Savings FundsAlthough pensions are becoming a thing of the past, most companies still offer some form of a contribution to a retirement fund, the most common being 401(k) and 403(b) plans. Individuals who are age 50 or over are able to make annual catch-up contributions. If you decide to supplement your retirement fund with a Roth IRA or traditional IRA, youre entitled to make catch-up contributions under similar guidelines. For more information, click here.  Annuities According to Chime, an online banking company, 62 percent of Americans feel their savings are in a better place now than compared to 10 years ago. However, the Great Recession made an impact on many Americans retirement savings, making it difficult to recuperate these funds. For this reason, you might feel more secure with an annuity, which guarantees you wont run out of money for the rest of your life. Most commonly, annuities come in two forms: immediate and deferred, which vary depending on when you want access to your money. Although both can be expensive to buy into, there are many benefits to having an annuity, including that your payments will last as long as you live, even if the amount exceeds how much money youve invested into it.  Policy RepurposementAnother lesser-known financing option is the ability to repurpose your life insurance policy from an active policy to a pre-funded account that can help cover the expense of senior care. One reason this is a particularly attractive alternative for seniors is that there are no health requirements, waiting periods, care limits, or costs to apply. Talk to your insurance provider for more information about what this amount can cover.We look forward to meeting you and hope your journey to RLC is an easy one! If youre interested in finding a location near you, check out our community map. Wed be happy to meet with you and schedule a personal tour.

As the summer continues to heat up, you may be inclined to stay indoors and enjoy the cool comfort of home. That doesnt mean you have to give up on working out, though. Staying active and maintaining your fitness levels year-round is important for your overall well-being, especially for seniors. With that in mind, wed like to offer a list of five fun and easy exercises that allow you to stay fit, stay cool, and in some cases, stay seated! Before you begin, remember to consult your healthcare professional before starting any new exercise regimen. Cardio Drumming, also known as DrumFIT, is a relatively new way to exercise and is all the rage these days. It combines the benefits of cardio workouts with the rhythmic beats of drumming. This low-impact exercise is perfect for seniors as it helps improve cardiovascular health, coordination, and overall body strength. Several RLC communities are now offering cardio drumming classes to residents. All you need is a stability ball and a pair of drumsticks to get started. If youd like to try it at home, there are several resources available online. You could also tour an RLC community near you and try out one of our classes. Wed love to have you!Yoga is renowned for its numerous health benefits, and chair yoga is a method of bringing those benefits to seniors or anyone who may have limited mobility. Its a gentle form of yoga that can be performed while sitting on a chair or using it for support, rather than having to roll out a mat and exercise on the floor. Chair yoga can help improve flexibility, balance, and strength while promoting relaxation and reducing stress. There are many free instructional videos online, as well as local studios that offer these types of classes. And similar to cardio drumming, RLC also offers chair yoga classes.Seated Beachball Volleyball is a favorite among our residents. We bring the fun of beach volleyball indoors to our Main Street. This modified version of the game is played while seated, making it suitable for seniors with varying abilities. The objective is to keep a lightweight beach ball in the air using your hands, head, or even feet, while seated across from other participants. This exercise helps improve hand-eye coordination, upper-body strength, and social interaction. To play at home, just gather a group of friends, or invite the family over to enjoy this engaging and refreshing activity.Dancing is a fantastic way to stay fit and have fun indoors! Look for dance classes or workshops tailored to seniors, such as line dancing, ballroom dancing, or even Zumba. Youll not only improve your cardiovascular health but also enhance your balance, coordination, and cognitive function.Indoor weight training may be one of the most obvious options for a cooler summer workout. Many local fitness centers offer discounts for seniors or participate in Silver Sneakers, which is available at no cost for adults 65+ through select Medicare plans. Be sure to ask about those programs. If you choose to live worry-free at RLC, all of our communities have indoor fitness areas with a nice variety of workout equipment. Our lifestyle director can show you how to use the machines correctly, and they will occasionally lead classes. Several of our communities also have local experts who come in and lead senior fitness classes and other fun activities! Don't let the summer heat hinder your fitness goals. Incorporating these simple indoor exercises into your daily routine can enhance strength, flexibility, and overall well-being.If youd like to experience what independent retirement living feels like, were serious about our offer to take a tour, join us for a fitness class, or even enjoy a meal. Simply find a location near you, and call to schedule your visit. We cant wait to meet you!

For more information on Bradford Square, Click Here.If you've read our recent article about "granfluencers," you know that seniors all over the world are embracing social media and, much to our delight, filling the internet with their uplifting experiences, sage advice, and entertaining stories. While some seniors may become overnight viral sensations, a large audience of strangers isn't necessary to participate in and enjoy what social media has to offer. If you're thinking about venturing into Facebook territory, here are a few ideas to get you started.What Can You Do on Facebook?Once you're a member of the Facebook community, you'll be able to do things like view photos and videos from your grandkids' sports tournaments; check in with your old high school gang; join a hobby group with others who share your love for gardening, or connect with your local RLC community and take a peek inside at the lifestyle many of the seniors in your area are living. Not only can you keep up on what your family and friends are sharing, but you can also add your own content to the social sphere. For example, you can share photos from your latest book club meeting and encourage your friends to pick up a good read, or wow your family by sharing your favorite vintage wedding picture to celebrate your anniversary. You can impart the wisdom of your experience by writing about an important lesson you've learned that you think might help others. Or, you can simply Like and Comment on your friends' posts to share in their good times.Connect With Friends, Family & Your FavoritesOnce you've signed up for a Facebook account, you can start connecting with friends right away .Search for people you know by typing their first and last name in the search box, selecting the correct profile from the results and clicking Add Friend. Alternatively, you can ask your contacts to send a Friend Request directly to you, which makes it quick and easy to link up with the right person. If you need additional direction on how to navigate and configure your Facebook profile, visit the Facebook Help Center for step-by-step how-to's. Another useful resource for learning how to access Facebook, create an account and make your first post can be found on the Senior Tech Club website.You can also keep updated with your favorite hobby groups, organizations, celebrities and entertainers, stores, restaurants, and more. Just about any person, place, or thing you can think of has a Facebook page there are even profiles for internet-famous animals!Get started following Facebook groups by giving your local RLC community a Like. Simply type the name of your community in the search box the same way you'd type in a friend's name (e.g., Savannah Pines Retirement Community), visit the page, and click the Like button. Now, each time your community posts an update with photos, videos, or events, the information will show up on your personal News Feed. If you're already a resident, you'll be able to see photos from the activities you've enjoyed recently and share them on your profile for your family and friends to see, like that poker game with the guys or the flyswatter volleyball game your team won. Not a resident yet? You'll get a peek inside the resort lifestyle and see how other seniors in your area are enjoying life to the fullest!Live Socially Online & OfflineAre you ready to join millions of seniors just like you and celebrate your life on social media? Many of the residents in our RLC communities across the nation have joined Facebook and other social media platforms and discovered the benefits and joys of digital socialization. But we want to connect with you, too! It's your turn to follow our social media pages, share our lifestyle posts with your family and friends, and accept one of the event invitations from your local RLC community. Stop by for happy hour, a game of bingo, or an afternoon of crafting, and get to know our residents face-to-face you never know, they might add you as a Friend on Facebook following the event!

In the rapidly evolving world we live in, fostering a love for science among the younger generation has become increasingly crucial. As grandparents, we have a unique opportunity to instill curiosity and inspire our grandkids to explore the wonders of the scientific realm. In this article, we will delve into the various ways we can engage our grandchildren in hands-on scientific activities that will captivate their minds and ignite a lifelong passion for learning. Let's embark on this exciting journey of discovery together!The Magic of Experiments: Unleashing Scientific CuriosityScientific curiosity is often born out of experimentation. By encouraging our grandkids to engage in simple, age-appropriate experiments, we can stimulate their inquisitive nature and cultivate a deeper understanding of scientific concepts. Here are some thrilling experiments you can try with your grandkids:Fizzing Reactions: The Vinegar and Baking Soda ExtravaganzaActive learning: Create a volcanic eruption by combining vinegar and baking soda.Explain the science: Teach the grandkids about the reaction between an acid (vinegar) and a base (baking soda) that produces carbon dioxide gas, resulting in the fizzing and bubbling effect.Rainbow Magic: Creating Colorful Density LayersEngage their senses: Layer different liquids with varying densities to create a mesmerizing rainbow in a glass.Discuss density: Discuss how different substances have different weights, causing them to settle in distinct layers.Nature's Classroom: Exploring the Great OutdoorsThe beauty of science lies not only within laboratory walls but also in the great outdoors. Nature provides a myriad of opportunities to spark curiosity and ignite a passion for scientific exploration. Let's explore some outdoor activities to enrich your grandkids' scientific understanding:Bug Hunt: Discovering Miniature EcosystemsObservation skills: Embark on a bug-hunting expedition, encouraging your grandkids to examine insects and their habitats.Teach biodiversity: Discuss the importance of diverse insect species in maintaining the balance of ecosystems.Gardening Adventures: Unraveling the Secrets of Plant LifeHands-on learning: Involve your grandkids in planting and caring for a garden.Explore plant growth: Teach them about photosynthesis, the importance of sunlight, and the water cycle in sustaining plant life.Technological Marvels: Harnessing the Power of InnovationIn today's digital age, technology offers a plethora of resources to enhance scientific learning experiences. Embracing technology alongside your grandkids can open up a world of exciting possibilities:Virtual Field Trips: Journeying Beyond the ClassroomExplore online: Take your grandkids on virtual field trips to museums, science centers, and even outer space through interactive websites and educational apps.Spark discussions: Encourage dialogue about what they've learned, fostering critical thinking and expanding their knowledge.Coding Adventures: Unleashing Creativity and Logical ThinkingComputational thinking: Introduce your grandkids to coding through user-friendly platforms and games.Problem-solving skills: Help them understand how coding commands and algorithms can solve real-world problems.By engaging our grandkids in the wonders of science, we can foster a lifelong love for learning and equip them with valuable skills for the future. Through hands-on experiments, outdoor exploration, and harnessing technological innovations, we can ignite their scientific curiosity and empower them to become the problem-solvers and innovators of tomorrow. So, let's embark on this incredible journey of discovery with our grandkids!

As the world becomes increasingly more connected through technology, it's easy for younger generations to become consumed by their smartphones and other devices. As grandparents, we have a unique opportunity to teach our grandkids how to put down their phones, engage in new experiences, and care for their mental and physical health. Our kids are becoming burdened by technology, and we can be the ones to help inspire new habits.Weve written this article to help inform you on why kids should unplug from technology as well as equip you with specific ways to support our younger generation along this journey. So, lets dive in.What Does Health Have to Do With It?A recent study published in the Journal of the American Medical Association examined a group of 2,400 typically developing children. Researchers discovered that increased screen time from ages 2 to 3 was linked to significantly poorer performance in their development when assessed at age 5.Another large-scale study involving 5-year-olds compared the attention spans of children who watched less than 30 minutes per day with those who spent over 2 hours in front of a screen. The results were striking. Children with the most extended screen exposure had a 7.7 times higher likelihood of meeting the criteria for an ADHD diagnosis. Similarly, a study in India discovered that preschool children with ADHD watched more screen time than the 1-hour daily limit recommended by the World Health Organization (WHO) for 2- to 4-year-olds.These findings do not imply that screen time directly causes attention problems or developmental delays. Various factors are at play. For example, excessive screen sessions consume time that could have been dedicated to activities requiring patience and creativity. For children already susceptible to attention issues, screen usage can exacerbate the problem. Its also interesting to note that boredom is typically the biggest reason kids pick up their phones. Mindlessly watching a screen can become a habit that keeps kids from using problem-solving skills or connecting with other kids in real life. How to We Encourage Healthier Activities?With summer break upon us, this is the perfect time to inspire our grandkids to disconnect from technology and reconnect with the world in more meaningful ways. Heres an extensive list of ideas for you to consider:Lead by Example: As grandparents, we are role models for our grandchildren. If we want them to engage in offline activities, we must demonstrate this behavior ourselves. Put down your phone as well, and spend quality time with them involved in healthy activities. By showcasing our enthusiasm for these types of activities, we can spark their interest and maybe even help them discover a new hobby!Foster a Love for Nature: One of the best ways to encourage your grandkids to put down their phones is to engage in activities that promote sustainability and a love for nature. Plant a garden together, go on nature walks, or even participate in community clean-up projects. By connecting with the environment, they'll appreciate the world around them in new ways and develop a sense of empathy and understanding.Become a Hometown Tourist: Take advantage of nearby attractions that capture their interest. For instance, organize trips to local museums, art galleries, or historical sites that offer interactive exhibits. Engaging them in real-world experiences can help them disconnect from their screens and foster a sense of appreciation for a new subject matter. These outings also provide a chance to bond and create lasting memories with your grandkids.Foster Friendships: Encourage your grandkids to engage in activities that involve other children their age. Organize small gatherings or playdates where they can interact face-to-face, fostering social skills and personal connections. You can also encourage participation in sports or community organizations that align with their interests. These activities not only offer a break from digital devices but also allow them to build valuable social skills and form lasting friendships.Rediscover Traditional Games and Hobbies: Introduce your grandkids to the games and hobbies you enjoyed during your own childhood. Teach them card games, board games, or even traditional crafts like knitting or painting. By sharing your interests, you pass down valuable skills and create opportunities for quality time and intergenerational bonding.Encourage Reading and Storytelling: Books can transport us to different worlds and spark our imagination. Encourage your grandkids to explore different genres and discover the joy of reading. Consider starting a mini-book club, where you choose books together and discuss them later. Additionally, storytelling is a beautiful way to captivate their attention and create lasting memories. Share your own stories or encourage them to write their own.Share Your Skills and Wisdom: As grandparents, we possess a wealth of knowledge and skills accumulated over the years. Take this opportunity to share your expertise with your grandkids. Teach them how to cook a favorite family recipe, play a musical instrument, or even repair something around the house. By passing on your skills, you empower them with practical knowledge and create opportunities for bonding.Find the Balance: Rather than completely shunning technology, we can help this younger generation find balance by using it more sparingly or for more creative endeavors. For example, they can use digital resources for research, learning, or pursuing hobbies. By incorporating technology as a tool rather than a constant distraction, you can help them develop a healthier relationship with their digital devices.In a world dominated by technology, our generation can play an essential role in how our families approach life. We can lead by example, introduce alternative activities, foster more personal relationships, and help everyone find a healthy balance with phone use. This summer, let's seize the opportunity to connect, check in, and create lasting memories that will shape their lives for years!If this article resonates with you, feel free to share it with others. We also have other great articles like this on our blog and social media channels. As a retirement community focused on worry-free living, were always sharing ways to help you live your best life. We suggest finding a community near you and following their Facebook page to stay connected and inspired.

Many senior citizens have decades of memories and collectibles in their homes. As seniors age, however, the need to organize the home becomes a priority. Certainly, there cannot be a lot of clutter in the home because it causes possible tripping and falling hazards. Learn all about senior-friendly storage solutions and how they can help seniors stay self-sufficient.Understanding Why Storage Solutions Are Beneficial for SeniorsAs people age, their mobility may be limited. For example, it's harder to reach upward for an item off a tall shelf, or bending down is painful. At times, seniors who haven't organized their homes in years will find it difficult to grab everyday things. For this reason, it's beneficial for seniors to have storage solutions.Additionally, storage solutions also declutter homes. Items hanging from doors or strewn across the floor can be hazardous for seniors. Inevitably, the clutter might trip seniors, which creates serious health issues.Furthermore, storage solutions also act as decorating opportunities. Baskets, bins, and boxes might have attractive colors, accents, and other features. Seniors can put together containers of their favorite things, for example. Because they're actively creating these memory boxes to return to later on, seniors' brains are stimulated and moods improve.Certainly, a family might make a weekend out of organizing the senior's home, too. As the senior creates the boxes, the family can organize the perfect area for them. Working together is another benefit of storage solutions for seniors.Ideally, store items inside the home where seniors have regular access to them. Otherwise, consider storage areas outside the main living space for other items only needed on occasion.Exploring Portable Storage Container OptionsA clever way to store items today is through portable storage containers. Storage companies, such as Smartbox Moving and Storage, deliver a wood container to your property, for example. Store almost any nonperishable belonging in these containers, such as furniture, trunks, boxes, musical instruments, and much more.Before ordering a container, consider what items you need to store. Typically, these containers come in several sizes, such as 8-, 12- or 16-foot boxes. Choose a size that's slightly larger than what's needed at the moment. For a senior living alone, the small container may be a perfect size.Be sure to pack the box like a moving truck. Essentially, place heavy items on the bottom and light materials on top. Indeed, consider how accessible the items must be if they're placed in the container's rear end. If you need to access the item in the next few weeks, then try to arrange the container with those items near the door.Ideally, avoid storing anything that might rot or leak. For example, store a lawnmower only if it's perfectly clean of any cut grass. Don't store fluids, either. In most cases, the containers aren't climate-controlled so they will heat up and cool down with the prevailing weather.Benefiting From Portable StoragePortable storage offers several benefits to seniors. Because the containers remain at your property, seniors can always access their belongings. They'll know the items are close and safe with just a glance out the window. Other storage options, in contrast, require a rental at a physical facility. Here, seniors may be wary about losing their belongings to theft or natural disasters. The portable option suggests there's more control over the stored items.Additionally, families have the option of moving the container in the future. For example, the senior moves to another location where the container cannot be stored. As a solution, the family can transport the container to a secure facility where it remains untouched. It's never necessary to open the container, which provides a level of security in the senior's mind.Furthermore, portable containers are beneficial because they protect the belongings over a long period. Most companies claim the containers are water resistant, which makes them safe for areas with regular rainstorms. Although they aren't waterproof, they're strong enough to keep most items free from any damage.By decluttering their home, seniors can freely move about without falling concerned. Discuss storage options with your loved ones. Organizing the space empowers seniors and reveals those lost items they may have misplaced over the years.

Entrepreneurship can be a great way for an individual to turn their ideas into successful business ventures. While the idea of becoming an entrepreneur is often associated with young people, there are many benefits to starting a business at an older age. Countless renowned successful businesspeople started their businesses at a mature age, proving that age is just a number.Although there is no perfect age to become an entrepreneur, being older can offer some distinct advantages. Encore entrepreneurs over 50 possess a wealth of knowledge and experience that can help get the business off the ground. They often have more financial stability than younger entrepreneurs and can use the feeling of purpose and fulfillment to motivate them. Starting a business provides an opportunity for older individuals to continue to be productive and make a positive contribution to society.There are numerous benefits to entrepreneurship at any age, making it an attractive proposition for individuals of all ages. This blog outlines the benefits of becoming an entrepreneur at an older age.Why Should You Become An Entrepreneur At An Older Age?There are several reasons why becoming an entrepreneur at an older age can be a good idea. Here are some reasons to consider:1. Wealth of experienceOlder entrepreneurs often possess an invaluable wealth of experience from their past jobs and personal lives, giving them the wisdom and confidence to take risks, seek new opportunities and make sound decisions. With knowledge of past successes and failures and a greater understanding of the marketplace and industry dynamics, they have insight into what strategies and approaches may yield results and benefit their businesses.They may also be better equipped to manage myriad tasks, build trust and develop relationships with customers, partners, and vendors while maintaining operations. Ultimately, such experience can give them a competitive edge.2. Established financial stabilityOlder entrepreneurs often capitalize on the financial stability they have built up over time. Through long-term savings, investments, and retirement plans, those who start businesses later in life have the means to reduce their risk in the form of financial security.They are more prepared to fund their endeavors without needing to rely on external sources of capital, allowing them to focus more on business execution rather than financing. This protected position gives older entrepreneurs the freedom to take calculated risks and invest in their businesses without worrying about financial missteps.3. Desire for purposeStarting a business can provide a new sense of purpose and allow someone to impact the world positively. Entrepreneurship is a great way to set long-term goals, learn new skills, and make a difference in the lives of others.It can also provide fulfilling personal and financial rewards, such as financial freedom, decision-making satisfaction, and generating passive income by building a business. With an older age, one could also gain an array of valuable experience and resources that prove extremely useful for the venture's success.Franchising Guidelines/OpportunitiesFranchising provides the perfect opportunity for entrepreneurs to leverage the strengths of an existing business model and expand their business venture. Franchisees benefit from extensive support, brand recognition, established systems, and exclusive trademark rights.With the right approach and guidance, franchising can be a low-risk and rewarding way to start a business at any age. Here are several guidelines and opportunities a franchisee should consider when deciding to become an entrepreneur at an older age:1. Research: It is important to research the franchisor and its business model, including track record, financials, legal obligations, and other relevant factors.2. Financing: Look into financing options, such as loans or investment partners, to cover the upfront costs of franchising.3. Legal obligations: Consider the legal and financial implications of entering into a franchise agreement, such as all payments due, fees, disclosure rules, and agreement termination.Theres never a wrong time to start being an entrepreneur. In fact, doing so later in life could give you a competitive edge your younger counterparts might now have. So take what makes you passionate and find out how to turn your hobbies into something that yields all kinds of rewards!

Retirement is the perfect time to expand your horizons and explore your passions. Without the burden of work, youre free to explore your own passions and hobbies like writing, painting, travel, or woodworking.A well-planned budget can help your retirement dreams come true. Financial security in retirement gives you the freedom to do whatever you want, whenever you want to do it.Some forward planning can help you save a few dollars, too. This will free up funds for exciting adventures in retirement like travel, opening your own workshop, or moving to a new state.TravelRetirement is a time for travel and exploration. Youve worked hard and can reap the rewards of all that modern life has to offer. However, some destinations can be pricey. For example, a vacation in London will set you back an average of $370 per day  thats before accounting for expenses like flights and international travel.If you have a passion for travel but want to see the world on a budget, consider low-cost destinations like:Lisbon, PortugalCartagena, ColombiaPrague, Czech RepublicSan Juan, Puerto RicoGranada, SpainVacationing in these destinations can cost under $1,000. Destinations like Lisbon and Granada have great travel links, too, meaning you can hop on a train and be in a new country within hours.If youre tech-savvy, you may want to pursue a new form of travel: virtual tourism. Virtual tourism in the metaverse is a great way to see the world from the comfort of your own home. You can even visit Pompeii of the past using VR goggles or go on personalized, immersive tours of the Vatican. Youll need to buy or rent a headset first, but the outlay is minimal compared to flights, hotels, and currency conversion.Moving HomeRetirement is an invitation to embrace a new, slower way of life. You dont have to hustle at all hours of the day and you probably dont need to take care of energetic young children. This may mean that your family home starts to feel a little too large for your current needs. Theres nothing wrong with downsizing your home and doing so can free up some capital to pursue your interests.Make a clear moving budget before you decide to downsize your home. Start decluttering early and donate items you no longer want to local charities. Create a moving budget during this time and be sure to list services like movers, storage fees, and travel costs.Assess the costs and challenges associated with a smaller space before you move in. It may cost less to run a smaller home, but what about unexpected costs like travel to see family and access to affordable healthcare providers? A smaller home should help you save for healthcare in retirement; it shouldnt be a burden that derails your financial plan. Look for local community events, too, as youll want to meet new people and create a connection before you move.Community EventsYou may not have had time to connect with your community during your career. However, as a retiree, your contribution to the community can make a meaningful difference to those around you. Connecting with community events is a budget-friendly way to meet new people and rediscover your purpose, too.If your community is lacking engaging events, consider starting a community garden. Community gardens are ideal for retirees as you can meet in a safe space while enjoying the health benefits of being outside. Grow plants that are suited to your climate and USDA plant hardiness zone. If youre new to growing plants, lean on your neighbors and allow them to show you the ropes.If you dont have a keen green thumb, consider joining a book club in your area. Book clubs support your brain health and help you make new friends. Youll encounter some new opinions while reading popular titles today. This will help you step out of your comfort zone and gain new knowledge about the world around you. Understand Your IncomeTravel and moving are only possible if you understand your income. Before you book flights or start a community garden, you need to know how much retirement income you will earn later in life.Most estimates suggest that you need to earn 80% of your pre-retirement income after your retirement. Most people receive retirement income from three sources:Social Security retirement benefitsDefined-benefit pension plansRetirement savingsThese sources should give you a personal bottom line to work with. Work with a financial advisor to help close the retirement income gap and choose between 401(k) plans. Forward planning can help you live a fulfilling life even as you enter your later years.ConclusionRetirement can be surprisingly costly. However, with a clear financial plan, you can still see the world and pursue new hobbies. Consider cost-effective options like virtual tourism and community engagement events. Alternatively, you can start low-cost book clubs or downsize to free up some capital for use in later life.

For more information on Bradford Square, Click Here.Retirement is something everyone dreams of. Never working again and spending your golden years relaxing is a luxury that comes with years of hard work and saving up. However, as you near the age of retirement there are a few things you should do to prepare. Here are some ways to ensure you have the best retirement possible!Set GoalsYou spend your whole life working so you can retire, so it's important to know what you want to achieve once you reach this monumental point in your life. It can be difficult to imagine what you'll do with so much time off, but creating goals can help you get a better vision of your future during retirement. Try to set at least three to five goals and make them realistic and specific. If you're having trouble, think about what kind of lifestyle you want and who you want to be around. Do you want to spend more time with family and friends? Get involved in the community? Take some time to travel?From there, get more specific and focus on the smaller details. For instance, if you want to travel, think about where you want to go and how long you want to stay there. Do you want to travel internationally? Go somewhere warm? Live somewhere new for half of the year? These are the types of questions you should consider when thinking about your retirement goals.Evaluate Your FinancesAn essential part of having a successful retirement is having enough money saved up for when you aren't working. At the start of your career, you probably enrolled in your company's 401(k) program or opened a similar account to prepare for retirement. While these will probably have you covered, it's also a smart idea to evaluate your current financial situation to ensure you have enough money saved up for your golden years.Once you know what your income will be during retirement (don't forget social security benefits, too!),create a budget to live off of so you know how much you can afford. If you have debt, make a plan to pay it off before you retire. Remember, it'll be much harder to tackle debt payments without your normal income from work; it's best to be proactive and pay back all borrowed money so you can relax and use your retirement money for things you'll actually enjoy!Finding extra money to dedicate toward debt payments can be difficult, but there are simple ways to free up some extra cash. Look at your current expenses and identify ways to cut back on the nonessentials. For instance, if you dine out a lot, try to prepare your meals at home beforehand so you're not tempted to buy food elsewhere. There are probably some subscriptions and other services deducting money from your bank account that you can cancel as well. If you're a homeowner, you can also researchhow to refinance a mortgage to help with debt payment. Refinancing allows you to change the terms of your mortgage so you can secure a lower interest rate or consolidate debt by borrowing money from your home's equity to tackle high-interest debt and other loans. Doing whatever you can to eliminate debt before retirement will relieve financial stress and allow you to relax and enjoy your hard-earned time off!Focus on Your HealthAs you age, taking care of your health becomes much more important. While this may be the least of your worries before retirement, you should do your best to take care of your mind and body so you can live out your golden years in peace.Being healthy will make retirement much more enjoyable and will allow you the freedom to do whatever you want! Be proactive and schedule preventative checkups with your doctor so you can make a plan to improve your health or get treatment for any serious conditions. Along with consulting your physician, you should also continue to stay active and exercise regularly to maintain your muscle and bone strength. Try to eat a healthy diet and get enough sleep so your body is in tip-top shape for retirement. This also includes focusing on your mental health so you're in the right mindset for such a large lifestyle change!Consider Your OptionsRetirement is an exciting time full of new opportunities! With so much free time, you can do anything your heart desires, so make sure to consider all of your options. Think about your retirement goals and where you envision yourself later in life. Do you want to move somewhere new? Purchase a seasonal retirement home? Think about what you want to achieve and what fits with your lifestyle.Depending on your goals and needs, moving into an independent living community might be the right choice for you! In these communities, you can meet new people, participate in social events, and have access to luxurious amenities (like room service, fitness centers, gourmet chefs, and more!).Resort Lifestyle Communities offer several locations across the country to fit with your desired lifestyle and feature all-inclusive, resort-style communities to help you have a worry-free and relaxing retirement experience.

Routine visits play a vital role in ensuring the well-being and quality of life of residents in senior living communities. From regular check-ups to discussions about simple wellness matters, routine visits offer a source of support and reassurance to residents. They can be an important form of social contact that bolsters residents mental and emotional wellness.With numerous residents, varying schedules, and the need for efficient coordination, the process of scheduling routine visits can quickly become overwhelming. Luckily, the advent of technology has brought about a range of innovative solutions to address these challenges.Keeping Track of Regular Check-UpsBefore relying on technology, though, its important for your facility to establish which routine check-ups are essential for each of your residents:     A yearly physical exam can help safeguard overall wellness.     Dental checkups are also key to mitigating cavities and even for taking X-rays that can identify the early signs of potentially serious issues.     Regular eye exams and hearing tests can help assess whether your residents need extra resources.Keep in mind that some residents may also have other needs related to specific health conditions or concerns. Be sure to always tailor these routine appointments to suit the unique needs of each one of your residents.Collaborating with Care ProfessionalsCollaborating with healthcare professionals ensures that residents in senior living facilities receive the visits and attention they need. By working closely with medical experts, senior living facility administrators, and staff can enhance the quality of care and optimize resident outcomes. Digital tools have emerged that help make these collaborations for routine visits more practical and effective.One of the key tools in this regard is online telehealth platforms. This can be particularly effective for staff and residents to collaborate on issues where in-person attendance isnt strictly necessary. For instance, conjunctivitis also known as pink eye  is a contagious viral, bacterial, or allergic condition that may be treated using over-the-counter remedies. In some instances, though, it needs to be examined by a doctor who can provide advice to limit complications or prescribe treatment. By utilizing telehealth, staff can collaborate with doctors without the need for residents to leave the comfort of the senior living facility or risk spreading the condition to other individuals living in the facilities.In addition, remote monitoring devices can be important for facilitating collaboration between senior living facility staff and healthcare providers. Wearable sensors allow for continuous tracking and real-time transmission of residents vital signs, activity levels, and other health-related data. By integrating remote monitoring technology into the routine care process, senior living facility staff can provide healthcare professionals with accurate and up-to-date information about residents' health. This can help streamline check-up appointments, provide useful data points for care providers, and also allow for timely interventions wherever necessary. These types of innovations can also ensure that residents are up-to-date on their own care and can be active in making their own health-related decisions. Options like these can be part of a communitys commitment to providing access to high-quality care and helping residents safeguard their health as they age.Communicating with ResidentsThe most important parts of scheduling and managing routine visits are the senior living facilitys residents. Effective dialogue about their wellness is key to providing comprehensive and relevant care. By establishing clear and open lines of communication, senior living facility staff can better understand residents' needs, address their concerns, and even keep families well-informed. The digital landscape offers tools to facilitate this connection and maintain accurate records of resident interactions.One of the most important tools in this regard is online resident portals or communication apps. Adoption of effective software of this nature can greatly enhance communication between senior living staff and residents. These solutions provide a secure and user-friendly interface where residents can access information about their own wellness, review their schedules and appointments, and communicate their preferences or concerns to staff. This can be particularly useful when staff members arent immediately on hand to answer questions about medical visits.This can also be an effective channel for keeping families informed about requirements surrounding their own visits to the living community to spend time with loved ones. In many cases, families can be granted access to the portal to see residents availability and ask staff questions. This can be especially useful for also distributing guidelines about visitation during periods of a public health emergency, as with the recent COVID-19 pandemic.Keep in mind as well that technology-based scheduling can be used for more than health-related visits. There is plenty of evidence that demonstrates that family involvement is essential to combat mental health challenges associated with loneliness. Technology-based communication solutions are one way to ensure that families who are not able to visit their loved ones in person can still reach out to talk about life milestones and strengthen family bonds.Ultimately, though embracing these tech solutions is important, its equally vital to maintain meaningful human connections with residents. Technology should be viewed as a tool to enhance and support these interactions, rather than replace them entirely. Face-to-face interactions, listening to residents' concerns, and providing empathetic care are irreplaceable aspects of nurturing the well-being of residents.

A move is a perfect time to sort through your belongings and let go of what you no longer need, use or love. In essence, its the right time to rightsize. If youre like many seniors who are choosing to simplify your life and move to a smaller space, you may be needing to let go of half or more of your things. That can sound a bit overwhelming, but with the right guidance, you can keep your favorite half and surround yourself with the things that truly bring you joy.To get you off to a good start, we turned to subject matter expert Jeannine Bryant. Shes the owner of Changing Spaces SRS and the author of Ready to Rightsize? A Step-by-step Guide to Your Rightsizing Journey: For Older Adults and Their Loved Ones. She literally wrote the book on the topic, and along with her team of certified senior move managers, Jeannine has helped hundreds of seniors and their families through the downsizing and moving process including some of our residents at Resort Lifestyle Communities. We had the privilege of connecting with Jeannine personally, and she shared some of her best advice on rightsizing. Q: Whats the difference between downsizing and rightsizing?A: Rightsizing is about more than just downsizing. Its finding that perfect place between too much and too little. Its striking a balance and having the right amount of house, and stuff, for your needs and your lifestyle.Q: How should someone begin the process of decluttering? A: Start small! This process will take time. If youre planning a move, we always recommend starting with a floorplan of your new space and measuring your current furniture to help you determine what will fit and what will not. Once you have decided on furniture, you can start sorting out the little stuff.Begin with clothing and kitchen items. Remember to respect the limits of your new space. Bring only the amount of kitchen items that will fit in your new kitchen, and only as many clothes as will fit in your new closet. This is where the power of counting can come in handy. Counting the number of coffee cups, sweaters, and pairs of shoes that you plan to keep can help you keep a healthy perspective. Rather than despairing about the number of items you need to let go of, you focus on how many items you have room to keep. Q: What tends to be the most difficult item to let go of, and whats your best advice? A: Sentimental items can be some of the most difficult to let go of. Glassware and china thats passed down from a parent or grandparent can be a challenge. Oftentimes its not being used, so keeping it is not always practical. If younger family members dont want the items (which is often the case), its okay to release them. You can either sell or donate the items. The best advice when tackling sentimental items is to reframe the way you look at them. Remember that memories and love and stuff are not the same things. Simply letting go of an item that belonged to a loved one will not erase memories of them. Your love for family members cannot be contained in a mere crystal bowl or china teacup. Q: Whats your favorite tip for someone moving into a retirement community like RLC? A: Respect the limits of your space. When downsizing, it can be easy to bemoan the lack of storage space (as it compares to your current living situation), but a much more effective tactic is to reframe the transition. This is an opportunity to let go of anything and everything you dont truly need or use or love. How freeing!   And, when you release those items (either by selling or donating), you are blessing others in your community who can utilize those things that were sitting unused in your former home. Its a win-win!Q: How do you know if youve truly rightsized before a move? A: Youll know youve rightsized when youve released the items that you no longer use and no longer love. When you can look around and realize you have everything you need, plus a few things you truly love and want to display, that is what a rightsized life looks like!   ***Special thanks to Jeannine for sharing her professional advice. If youre interested in her book, Ready to Rightsize? A Step-by-step Guide to Your Rightsizing Journey: For Older Adults and Their Loved Ones, you can order it here.   Were also offering a free download of her Power of Counting worksheet below. This simple tool can be extremely eye-opening as you discover just how much stuff you really have.If youd like to see what a rightsized, resort-style life looks like, let us give you a personal tour of an RLC community near you.

Healthy lifestyles are usually associated with physiological aspects, such as eating a proper diet and exercising. However, taking care of your cognitive health should also be a priority. The human brain is a powerful organ, and it can decline or thrive with your activities across a lifetime. To improve your cognitive health at any age, consider gardening as a resource. Indeed, this hobby has many health benefits.Breaking Down the Science of Cognitive Health and GardeningIn a world of technology, a simple garden pulls you into the real world. That heightened sense of reality through social media, images and videos can put anyone on edge, especially senior citizens and children.By starting a garden, there are no shortcuts to growing plants. They'll grow at their own pace. As a result, you appreciate the world around you. Without a doubt, the anticipation of waiting for a flower to bloom encourages you to learn more about plants and their growth cycles.Additionally, physically working in a garden improves cognitive health because of the ample oxygen. For example, plants take in carbon dioxide and expel oxygen. Because there's a concentrated amount of oxygen in any garden, your body will inhale it. Scientific data over the years has shown that increased oxygen intake improves brain functionality.Remarkably, gardening is also associated with higher serotonin levels. The body generates this feel-good hormone when it's exposed to a bacteria found in everyday soil called Mycobacterium vaccae. Scientists continue to research the relationship between good microbes and the human body. Currently, there's research being performed on commercial soils to generate better and larger crop volumes, such as work at Microbial Insights. By understanding the soil's elemental components and microbe communities, then food volumes can be controlled and improved for future cities.Understanding Gardening's Benefits for SeniorsMany seniors have limited mobility, which creates a sedentary lifestyle. As a result, blood flow to the brain isn't as rich as before. By starting a garden, seniors get moving. For example, they till the soil, add seeds to the ground and water the area. Although these actions aren't aerobic by nature, they're still movements that bring blood to the brain for cognitive health.Inevitably, challenges will arise. Seeds may not germinate, flowers succumb to disease and other issues may haunt the garden. These challenges are beneficial for seniors. For example, they encourage problem-solving techniques to bring the garden back to life. By making people think about their hobbies, their cognitive health improves.Simultaneously, seniors also learn about acceptance. Life is full of challenges that might be won or lost. Indeed, life is more about dealing with chaos than controlling it. With even the best tools on hand, gardens will have imperfections. Accepting the challenges and trying to do better allows seniors to accept some losses and celebrate those small victories.Starting Your GardenThe best way to start your garden is by beginning small. Purchase some potting soil and gardening pots, for instance. Make sure the pots have drainage holes, too. Carefully add soil and preferred seeds to the pots. Next, thoroughly water them. As a result, you have the beginning of a simple garden.Alternatively, consider purchasing seedlings so that you have an established plant at first. As the seedlings grow, you can repot them or add them to a backyard garden. Whether you start with seeds or seedlings, the gardening benefits can help the mind.Most importantly, always start with rich soil. Most potting soil brands come with the right mix of nutrients. Avoid tamping the soil down as you create a garden, too. Roots require air pockets to spread and absorb the gas elements.As seniors work with their desired plants, they'll find out that some like more water than others. For example, overwatering or underwatering creates yellow leaves in most plant species. Experimenting with watering levels will reduce stress on the plants and lead to vigorous growth.With retirement opening up many days of free time, seniors have a chance to truly take on a hobby and stick with it. Suggest gardening to your loved one today. Beginning with just a single potted plant can grow into a huge garden in the backyard.

As individuals age, their furniture needs change, and selecting the right pieces becomes crucial. Hardwood furniture is a highly advantageous choice for senior citizens, offering style, safety, durability, and overall appeal. We will explore the benefits of incorporating hardwood furniture into the living spaces of older adults. From the practicality of its design to the timeless elegance it brings, hardwood furniture caters to the specific needs of seniors. With a focus on comfort, accessibility, and longevity, hardwood furniture is an excellent investment, enhancing the living experience for senior citizens.How to Incorporate Hardwood Furniture in a Living Space for a Senior CitizenCreating a comfortable and functional living space for senior citizens involves carefully considering their needs. When incorporating hardwood furniture, it is essential to prioritize accessibility and ease of use. Opt for furniture with appropriate height and firmness, making it easier for seniors to sit down and get up without straining themselves. Additionally, consider the furniture layout for smooth movement and ample space for mobility aids such as walkers or wheelchairs. By arranging the furniture strategically, you can create a safe and comfortable environment for senior citizens.Why is Hardwood Furniture Better for Older People?1. StyleHardwood furniture exudes timeless elegance and adds a touch of sophistication to any living space. With its rich colors, natural grains, and beautiful finishes, hardwood furniture enhances the aesthetic appeal of a room. It can complement various interior design styles, from traditional to contemporary, allowing senior citizens to personalize their living space according to their preferences.2. SafetySafety is of paramount importance when it comes to furniture selection for senior citizens. Hardwood furniture is known for its sturdiness and stability. It provides a solid foundation, reducing the risk of accidents such as falls or furniture collapse. Unlike furniture made from other materials, hardwood furniture is less likely to wobble or become unstable over time, ensuring a safe environment for older adults.3. DurabilitySenior citizens often seek furniture that will last for years, minimizing the need for frequent replacements or repairs. Hardwood furniture is renowned for its durability and longevity. It can withstand daily use, heavy weights, and the wear and tear associated with daily living. By investing in hardwood furniture, seniors can enjoy furniture that retains its beauty and functionality for generations.4. Environmental BenefitsHardwood furniture is often crafted from sustainably sourced wood, making it eco-friendly. Senior citizens can contribute to environmental conservation efforts by opting for hardwood furniture. Sustainable forestry practices ensure that new trees are planted to replace the ones used for furniture production, promoting the long-term health of forests. Hardwood furniture can be repurposed or recycled, reducing its environmental impact.5. Improved Indoor Air QualityIndoor air quality is a significant concern, especially for seniors with respiratory issues or allergies. Hardwood furniture has the advantage of being natural and free from harmful chemicals or toxins commonly found in furniture made from synthetic materials or treated with certain finishes. By choosing hardwood furniture, senior citizens can maintain a healthier indoor environment, promoting better respiratory health and overall well-being.It Looks Better Than Furniture Made from Other MaterialsHardwood furniture has a distinct advantage over other materials regarding aesthetics. Its natural beauty and unique grains create an inviting and warm atmosphere in any living space. Furthermore, hardwood furniture ages gracefully, developing a beautiful patina that enhances its charm and character over time. This inherent beauty makes hardwood furniture a standout choice for senior citizens who appreciate the timeless elegance and a visually appealing living environment.A Perfect Choice for Senior CitizensHardwood furniture offers numerous advantages for senior citizens, encompassing style, safety, durability, and comfort. By incorporating hardwood furniture into their living spaces, older adults can enjoy its timeless elegance and visual appeal. With its sturdy construction, hardwood furniture ensures safety and stability, minimizing the risk of accidents. Its durability guarantees long-lasting functionality, reducing the need for frequent replacements. Moreover, hardwood furniture can be customized for optimal comfort, providing seniors with a pleasant seating experience. As a worthwhile investment, hardwood furniture enhances the lives of senior citizens by creating a beautiful, secure, and comfortable environment.

Decorating living spaces is an art that allows individuals to create an environment that reflects their personality and enhances their well-being. Regarding senior adult living spaces, design choices can be crucial in promoting comfort, safety, and independence. With careful consideration of color schemes, furniture selection, lighting, and accessibility, you can transform a senior adult living space into a welcoming and functional haven.Decorating Tips for Senior Adult Living Spaces1. Consider Using Bright and Contrasting ColorsUsing bright and contrasting colors can positively impact senior adult living spaces. Vibrant hues can help enhance mood and create a lively atmosphere, while contrasting colors can aid in visual and depth perception. Additionally, carefully selected color schemes can contribute to better visibility and help seniors distinguish between different elements in their surroundings, promoting safety and ease.2. Ensure Good Lighting Throughout the SpaceGood lighting throughout living spaces can help small spaces feel larger and promote security. A well-lit space can assist with the safe navigation of all areas, from front doors to staircases. In addition, enhancing natural lighting through window coverings and skylights can provide seniors with healthy and natural lighting, improving the quality of their lives.3. Incorporate Functional and Accessible Storage SolutionsFurniture and storage solutions in senior living spaces should allow for easy accessibility for seniors and medical personnel. Ideal storage options include low shelving, rolling shelves, and closets that open from the top rather than the sides. The furniture should also be appropriate for easy movement.Choosing Furniture for Senior CitizensWhen selecting furniture for senior adults, it's crucial to prioritize comfort and accessibility. Opt for chairs and sofas with firm support and ergonomic designs that provide adequate back and leg support. Look for furniture with features like high armrests and sturdy frames to assist with getting in and out of seats. Additionally, consider furniture with adjustable features, such as recliners with easy-to-use controls, allowing seniors to find the most comfortable position.What to Look for When Choosing Furniture for Senior Apartments1. SafetyLook for furniture designed with safety features specifically tailored to the needs of seniors. Opt for chairs and sofas with sturdy construction and proper support for the back and arms. Consider furniture with slip-resistant materials to prevent accidents. Additionally, ensure that tables and other surfaces have rounded edges to minimize the risk of injury from bumps or falls.2. DurabilityFurniture must be durable because senior citizens frequently spend much time in their homes. Look for upholstery made of simple materials to keep and clean, such as leather or microfiber. To ensure endurance, look for furniture with strong solid wood or metal frames. Check for any warranties or guarantees that would increase the assurance of the furniture's strength and caliber.3. StyleWhen choosing furniture for senior living spaces, consider the aesthetics of the rooms and how they will fit in with the color scheme, style, and bright dcor. Consider an eclectic collection of furniture pieces that offer a variety of styles and options to complement existing furnishings or to create an entirely new look. Furniture should be durable enough to last for a long time.Decorating on a BudgetDecorating a senior living space doesn't have to break the bank. Start by decluttering and organizing the existing items to create a fresh and spacious feel. Consider repurposing or updating older furniture with slipcovers or new upholstery to give them a new lease on life. Here are some of the trends for 2023 that offer decorating on a budget and can help make senior living spaces more inviting.1. Sustainable and Eco-Friendly DesignWith growing awareness of environmental concerns, incorporating sustainable and eco-friendly elements into the design is becoming increasingly popular. Look for furniture made from recycled materials or opt for energy-efficient lighting options.2. Biophilic DesignThis trend focuses on integrating nature and natural elements into interior spaces. Consider adding plants and natural materials like wood or stone and maximizing natural light to create a calming and rejuvenating atmosphere.3. Multi-Functional FurnitureAs space-saving becomes more important, multi-functional furniture is gaining popularity. Look for pieces that serve multiple purposes, such as storage ottomans, sofa beds, or coffee tables with built-in shelves. These versatile items maximize functionality while minimizing clutter.Decorating senior adult living spaces requires a thoughtful approach that balances aesthetics, functionality, and safety. By considering factors such as color schemes, furniture selection, lighting, accessibility, and clear pathways; it is possible to create welcoming and comfortable environments that enhance the well-being of senior adults.

The digital age has transitioned the way we communicate and store information. We use our devices daily, from checking social media to sharing with friends and colleagues. By doing so, we could leave digital footprints behind for anyone to find.For seniors, digital technology may blur the lines between what's real and what's not. Online predators know this and use the busyness of social media to scout for potential victims. Seniors can avoid being victimized by both criminals and Internet scams by simply taking these tips: Avoid Public Wi-FiScammers are known to set up "rogue" Wi-Fi connections that use the name of a reputable company to steal personal information. If you use public Wi-Fi, you should log on only to trusted sites and close the web browser when you're done.Use Strong PasswordsAs a senior, you should use passwords that are strong and different for each of your accounts. A strong password combines uppercase and lowercase letters, numbers, and symbols. Avoid using easy-to-guess information such as birthdates, names of family members, or simple combinations like "password" and "1234."Be Cautious of Phishing ScamsSeniors should be aware of phishing scams, fraudulent emails, or messages designed by online scammers to lure them into giving away personal information or money. They should never click on download attachments or links from unknown senders and should verify the authenticity of any emails they receive.Use Safe WebsitesSeniors should use caution when visiting websites that could put their personal information at risk, such as gambling websites, social media accounts, or sites with a bad reputation for scams. If you need clarification on the website's reputation, you should look up the site online before logging on.Keep Software up-to-dateAs a senior, you should regularly update your computer's software and antivirus programs to protect it against vulnerabilities and potential attacks.Be Careful when Using Social MediaAs a senior, you should be careful not to share too much data on social media. You should keep your address, location, and phone number private, particularly on social media. Furthermore, be careful who you interact with online.Use privacy settingsYou should adjust your privacy settings on social media and other online accounts to ensure your private information is not accessible to anyone you don't want it to be shared with.What is Digital Identity?It is the online representation of an individual's personal or professional identity. It is the collection of personal data, online activity, and digital assets associated with a person's identity in the digital world. It can include usernames, passwords, email addresses, social media profiles, online purchases, search history, and other personal information that is shared or collected online.Importance of Maintaining Your Digital IdentityMaintaining your digital identity is crucial in today's digital age, where a significant portion of our personal and professional lives occurs online. Here are various reasons why it's essential to maintain your digital identity:Control over your online presenceBy maintaining your digital identity, you can control what information is available about you online. You can choose what personal information to share, what photos to post, and what comments to make. It can help you shape your online persona and present yourself positively and professionally.Protection against identity theftYour digital identity is closely linked to your identity, and cybercriminals can use the information found online to steal your identity. By maintaining your digital identity, you can monitor your online presence for signs of identity theft, such as unauthorized accounts or purchases made in your name.Enhance your professional reputationYour digital identity can have a significant impact on your professional reputation. Maintaining a positive online presence can enhance your professional image and increase your chances of landing job offers or business opportunities.Personal brandingYou can use your digital identity to establish a personal brand. By curating your online presence, you can create a brand that represents your values, skills, and accomplishments.Privacy protectionMaintaining your digital identity also involves protecting your privacy. By controlling what information is available about you online, you can reduce the risk of your personal information being misused or exploited.Base-lineWe offer various digital identity solutions to help you manage and protect your online presence at CMIT Solutions. We can assist you with email and website hosting, personal domain registration, company domain registration, and privacy protection. We aim to help you achieve your full potential in the digital world. Contact us today.

Many people talk about looking forward to retirement because it means they dont have to worry about anything anymore, but unfortunately, things are not always that simple. You can have a relaxing and enjoyable retirement but only if you are smart about your finances leading up to it.Saving for retirement is especially important if you plan on living in a retirement community or some other senior living situation. While these communities have many benefits, they do come at a cost.So its important to sit down and do some retirement planning. Even if youre already retired, the guidance in this article can help to ensure you have a more enjoyable retirement as you age.Tips to Help You Prepare for a More Successful RetirementIt is possible to live the carefree retirement you so desire, but youve got to earn it. In other words, if you want to be comfortable financially and afford a cozy retirement life, you have to be willing to plan and save up.1. Budget and SaveWhether you are already in retirement or inching ever closer to it, learning how to budget to make the most out of your money can be a lifesaver. If youre not yet in retirement, you can start budgeting to cut costs wherever possible and then put that money you would have otherwise spent into a retirement savings account. If you are already retired, creating a budget can help you better understand how much money you have to spend in retirement and how best to use it. This includes budgeting for food, shopping, or any travel or entertainment activities you want to explore.2. Consider Moving to a Different StateNot many people think about this, but the state you live in can affect your retirement savings. This is because some states tax retirement income and others do not.As of 2023, the following states do NOT tax retirement income:Florida;Nevada;Alaska;Texas;South Dakota;Wyoming;Washington.Several states dont tax pensions or social security. If its an option, you may want to consider moving to get the most out of your retirement. 3. Earn From a Passion ProjectOf course, if youre looking for a way to earn a little extra money to put toward retirement, you could always turn a passion project into a source of income.You could turn your interest in art into a side hustle, for example, and sell your work online or at local markets and art fairs. You could even turn your love for baking into a home business. If you already enjoy making sweet treats, you likely already have much of what you would need to turn into a source of income to use for savings. You may want to purchase separate baking supplies for your home business to keep those expenses separate from your finances.You will also need to research your local laws and regulations for operating a business out of your home and obtain the proper permits. Its also a good idea to get business insurance if the operation gets large enough.4. Start Estate PlanningEstate planning is also important if you want to prepare yourself for retirement and the unexpected life events that could come with it. Having a trust, for example, and your living will all be planned out ahead of time will allow you to relax easier come retirement. Waiting until the last minute to get these things in order can be overwhelming and can put you or your loved ones in a tight spot.5. Get Help Managing Your FinancesIf you are struggling to manage your finances as you prepare for retirement on your own, dont be afraid to reach out to someone for help. There is likely a family member that can help you manage your finances. If not, you can look into getting help from a power of attorney who can assist you in finding someone to handle your financial matters.Financial Options to Help You Pay for Senior LivingWhen it comes time to pay for senior living or a retirement community, there are a few different options to consider. Despite what you might think, Social Security will likely not be enough to cover your senior living expenses. Additionally, its worth noting that Medicare does not pay for the cost of living in a retirement community. Medicare can help pay for certain services you might need, but it will not pay for the cost of actually living in a senior living community.But there are other options that you can look into to find the funds you need to pay for retirement living, including:Savings from your retirement accounts;Long-Term care insurance;Life insurance (converting an in-force policy to a pre-funded account);Home equity from the sale of your family home or other personal property;Bridge and Home Care Loans (provide a bridge to cover costs during the transition to senior living);Medicaid (an option for those with low income)Final ThoughtsIts never too early to start planning for your retirement. The more planning and preparations you do, the better. This is especially true if you plan to live in a costly retirement community. And dont be afraid to reach out for help if you need it. There are plenty of resources on the Internet today that can help, or you can even consult with a retirement-focused financial planner, as mentioned above.

Your retirement shouldnt just mean an end to your many years of dedicated work. It should also be an opportunity to do all the things you didnt have the time and money for in previous years; its a well-earned reward for a lifetime of working towards your goals.With this in mind, its important to plan ahead so that when the time comes, you can take full advantage of your newfound freedom. Assessing your goals, budgeting, saving, looking after your health, and other forms of preparation will ensure that youre ready to enjoy traveling at leisure.Budget CarefullyAs much as you may think youll be satisfied doing as little as possible when youre retired, that novelty doesnt last as long as you think. Soon, youll be itching to get out there and grab life by the horns once again. Therefore, planning only for basic living expenses and the odd luxury wont leave you with much room to explore.Travel during retirement should be budgeted for just as much as essential costs like medical care, insurance, and accommodation. It may be difficult to budget accurately with the looming prospect of inflation and an ever-shifting world economy, but with the help of a savvy financial advisor or budgeting apps, you should be able to put away enough money to cover the vacations youve always wanted to take.Its good to remember how travel expenses add up over time. Youre not just budgeting for plane tickets, rental cars, food, and hotels. There are always unforeseen expenses. Youll need money for things like tips, fuel, eating out, and other associated expenses.Its also good practice to keep a little aside for emergencies while overseas. You never know when you might need urgent medical care, or to arrange for something last minute at home. Depending on where you are in the world, emergency costs can vary greatly. You dont want to be stuck without the resources to properly safeguard your wellbeing.Set Aside Money for At Least One Family VacationWhile the majority of your travels will probably just involve you or you and your partner, setting aside some money to take at least one big trip with your kids and grandkids will provide you with a treasure trove of wonderful memories to cherish in your golden years.Life is most joyful when shared, especially with family. Prioritizing that kind of quality time with them will be worth every penny. It will provide everyone with a chance to bond over a novel and exciting experience.Try to plan for something that everybody can enjoy. Think about your family and their needs, likes, passions, interests, and dislikes. If your daughter-in-law hates the cold, don't plan a ski vacation. Inclusivity is key to a harmonious family vacation that brings everyone closer together.While some element of compromise is usually necessary from all parties, you can still go the extra mile to ensure that everyone has a chance to relax and enjoy themselves.Give Some Thought to Your Dream DestinationsTo be able to plan effectively, you need to know where it is you want to go. For example, a trip to South America or Africa will be significantly less expensive than a trip to Northern Europe.How you prepare will also depend on the types of activities you want to engage in while you travel. Do you want to go on multi-day hikes? Spend days on end watching the waves roll in on a Caribbean beach? Skydive? Surf? Do a culinary tour that satisfies all your foodie fantasies? All of these factors will contribute to the kind of preparation you prioritize. You may need to focus more on saving money or on keeping yourself in good shape, or both.You could even take it a step further by developing skills that will help you enjoy your travel activities even more. Take surfing lessons in your fifties, and all of a sudden, that trip to Hawaii or Australia just gained a whole new element of fun.Dont Put It OffYou can never be too prepared for your retirement travel plans, but in the same breath, be wary of putting things off too long. Theres always an excuse not to go this year. Theres always some special occasion, or the conditions arent perfect, or you cant decide where to go first.Travel is always a leap of faith, especially in later years. There will always be something you fail to predict and bumps in the road. Dont let these things stop you. Part of the joy of travel is adapting to unforeseen circumstances.The unknown is always a bit scary, but the best travel experiences often come from the moments where youre forced to diverge from your predetermined path. You may end up discovering a brand-new experience that couldnt have been planned for.The spontaneity that leads you off the beaten path leads to destinations that tourists dont often get to see, and you certainly wont make these kinds of discoveries by sitting at home for another few months. Get out there and make the best of it, you wont regret it.Make Retirement Travel Your New AdventurePrioritizing your retirement travel plans may feel like pouring resources into something thats intangible and far away. However, when the time comes for you to hang up your hat and take off for some well-earned adventure, all that preparation will pay off tenfold.The joy and discovery that awaits you on the other side of retirement are well worth preparing for, even if you experience a few setbacks along the way.If you have colleagues or friends of a similar age to you, try strategizing together and keep each other accountable for your respective retirement goals. Perhaps one day youll head off on your dream retirement vacation as a group!

Retirement often brings significant changes and challenges. Certainly, there are new opportunities to engage in your interests and explore new places. Yet, alongside these benefits, there is also the potential that these changes can be disruptive to your mental well-being. You may experience feelings of boredom, isolation, and even depression. Therefore, finding activities that provide a sense of purpose and fulfillment becomes crucial.One of the tools you can utilize to maintain your mental health is taking on a side gig. While this neednt be a full-time occupation, a post-retirement job can offer numerous benefits beyond financial rewards.Why Can Side Gigs Help?Retirement is a significant milestone in life. It can represent a time of freedom, relaxation, and a break from the stresses of work. You might think that taking on some form of employment at this time would be counter-intuitive to mental wellness. Yet, there can be clear advantages.Firstly, its not unusual for retirees to discover the absence of a structured work routine leaves them feeling unoccupied and searching for meaningful activities to fill their time; some may even experience symptoms of depression. This is where a side gig can make a positive impact. With the right activity, you may find you rekindle a sense of purpose, alongside gaining a sense of accomplishment and satisfaction that might be missing in retirement.Retirement can also result in a loss of social interaction, particularly if the majority of your friends are those you worked with. In this case, you might experience some loneliness or even isolation, which can trigger depression and anxiety. Some side gigs provide opportunities to connect with others, fostering new relationships and a sense of belonging.What Types of Side Gigs Are Effective?Finding a side hustle that you consider meaningful can bring fulfillment and some income during your retirement years. Yet, not all side gigs are necessarily conducive to positive psychological and emotional experiences. Its worth taking the time to identify the types of employment that tend to support mental health.Some of these include:Creative BusinessesIf you have creative talents and interests, you may find it positive to start a small business selling your artwork. For handmade crafts and unique products, opening an Etsy store that stands out can connect you with a global marketplace of consumers. When setting up your online store, chose a name that reflects your individual style and customize your shop with eye-catching branded visual components. Its also vital to maintain a strong social media presence. While this takes some work, its a positive way to share your creativity and unique artistic perspectives with a wider public.Virtual Coaching or ConsultingYou may have amassed a range of valuable knowledge and expertise throughout your previous career. While you might not want to dive back into your workplace full-time, you may be able to leverage your skills by offering virtual coaching or consulting services. This not only brings income but also allows you to share knowledge with others, which can bring immense satisfaction. Not to mention that experiencing appreciation related to your deep insights can be a boost to your self-esteem.Nonprofit WorkMany retirees have a desire to give back to their communities and contribute to causes they are passionate about. Volunteering and engaging in nonprofit work not only benefits others but it can also have a profound impact on your mental well-being. By dedicating your time and skills to organizations aligned with your values, you can experience a greater sense of purpose, altruism, and social connection.What Safeguards Should You Implement?Engaging in side gigs during retirement can offer numerous mental health benefits, but it is essential to prioritize your well-being throughout the process. After all, while side gigs can be rewarding, they also come with potential challenges and stressors. Take the time to implement strategies to maintain a balance that makes your side gig a positive and sustainable experience.One of the most important aspects here is to establish clear boundaries between your side gigs and your leisure time. The last thing you want is to experience burnout while pursuing an activity designed to mentally enrich you. Allocate specific hours or days for leisure activities, hobbies, and simple relaxation. This can help you avoid overworking yourself, instead focusing on what brings you joy.You might also find it helpful to collaborate with a mental health professional. Its important, though, to find a mental health professional that is appropriate for your specific needs. For instance, if youre not living with a diagnosed mental condition, a therapist or counselor may be more helpful than a licensed psychiatrist. A mental health professional will be able to provide you with insights into the kinds of activities that mesh with the specific mental wellness challenges you face. They might also offer guidance and coping strategies to navigate the emotional aspects of side gigs.ConclusionMaintaining mental well-being is crucial during retirement. Side gigs can be a valuable tool to provide a sense of purpose and fulfillment and minimize isolation. However, it is important to choose work that aligns with your individual interests and goals, alongside establishing boundaries to prevent burnout. You may also find that seeking guidance from a mental health professional can further optimize the positive impact of side gigs.Remember, though, that your retirement can also be a chance for discovery. Dont be afraid to stray away from the types of professions or areas of expertise you engaged with in previous years. You dont need to rely on your side hustle for a decades-long career, so take the chance to experiment. If you dont like a role, try something else. Put your needs and interests first and enjoy your new explorations.

Staying active and caring for our bodies becomes more important as we age. Exercise has numerous benefits for seniors, including improved cardiovascular health, better balance and coordination, and a reduced risk of chronic diseases such as diabetes and heart disease. But did you know exercising with infrared heat can enhance these benefits even further? This article will explore the benefits of infrared exercise for seniors, what it can do for their health and well-being, and what seniors should know before starting.What is Infrared Exercise?Infrared exercise involves using infrared heat to increase the intensity and effectiveness of a workout. Infrared heat is a form of energy similar to the warmth we experience from the sun, minus the potentially dangerous ultraviolet radiation. Because infrared heat can penetrate deep into the body, it can stimulate circulation, speed healing, and even aid detoxification. When combined with exercise, infrared heat can create a powerful synergy that can enhance the benefits of a workout.Benefits of Infrared Exercise for SeniorsIncreased Flexibility and Range of MotionAs we age, our muscles and joints might stiffen and lose flexibility. Infrared exercise can enhance mobility by warming the muscles and improving joint blood flow. This can potentially make life for the elderly easier and less painful.Improved Cardiovascular HealthThe cardiovascular system can benefit from infrared exercise because it increases blood flow and improves circulation. It reduces the danger of cardiovascular disease and boosts general heart health. Infrared exercise can dramatically affect heart health for seniors at increased risk of cardiovascular disease.Enhanced DetoxificationIncreased circulation to the liver and kidneys, the body's principal detox organs, is another way infrared heat might aid detoxification. This can result from eliminating harmful substances and subsequently enhancing health and well-being.Increased Calorie BurnSeniors can increase their calorie burn with the help of infrared exercise. Infrared saunas have improved metabolism, leading to more calorie and fat loss. Seniors trying to get healthy or maintain weight may benefit significantly from this.Reduces Stress and AnxietyExercising is an excellent method of relieving tension and stress. Due to the heat's potential to ease muscle tension and promote relaxation, infrared workouts may have additional health benefits.What Should Seniors Know Before Starting Infrared Exercise?It is recommended that elders see their physician before beginning an infrared workout program. Seniors with preexisting problems like heart disease or diabetes should proceed cautiously if they engage in infrared exercise.Additionally, seniors should start slowly and gradually increasing their workouts' intensity. It's essential to listen to your body and not push yourself too hard, especially if you are new to exercise or have health concerns.Finally, seniors should make sure to stay hydrated during infrared exercise. The heat can cause you to sweat more, leading to dehydration if you're not careful. Ensure you drink plenty of water before, during, and after your workout to stay hydrated.Finding the Right Infrared Exercise ProgramFinding the right program that meets your needs is essential if you're interested in trying infrared exercise. Hotworx is an excellent option for seniors who want to exercise with infrared heat. Hotworx is a 24-hour infrared fitness studio that offers a variety of classes, including yoga, pilates, cycling, and high-intensity interval training (HIIT).All Hotworx classes are done in an infrared sauna, providing numerous health benefits beyond exercise. The infrared heat can help to improve skin health, reduce inflammation, and improve overall relaxation and well-being.Final ThoughtsInfrared exercise can be an excellent way for seniors to enhance the benefits of their workouts and improve their overall health and well-being. By increasing flexibility, improving cardiovascular health, enhancing detoxification, and increasing calorie burn, infrared exercise can help seniors to stay active and healthy as they age. However, seniors should consult their doctor before starting any new exercise routine and take things slowly to avoid injury. If you want to try infrared exercise, check out Hotworx to learn about this exciting new way to stay fit and healthy.

For more than two decades, Resort Lifestyle Communities has helped hundreds of residents transition into our beautiful retirement communities. Even with a destination as relaxed and worry-free as RLC, being prepared is the best way to enjoy the process. Take deep breaths, look ahead, and focus on your new home while moving, so you are less likely to feel overwhelmed. And, if you do, its ok; it can happen to anyone, no matter what season of life youre in.  One of the things weve learned over the years is that planning ahead can greatly enhance your moving experience. Thats why weve outlined five of our best tips to help your transition go as smooth as possible. If youre moving to a retirement community soon, theres no time like the present to get started.   1. Get A Binder. Your first move is to create a moving binder to hold all of your notes, receipts, and any paperwork you collect through the process. On the first page, start jotting down details, such as: > Whats my moving budget?  > Whos helping me move? > How big are each of my new rooms? > Will I need to rent storage? > Whats my timeline? > Who will watch my pet on moving day?Knowing these answers and researching your options will help you get off to a great start. PS. Feel free to name your binder, because it may become your new best friend. We like Chuck!2. Find Your Movers. As soon as you know your timeline, line up people to help you move. Whether thats securing a moving company or letting family know when you need them, its smart to book everyone early.Not sure if you need to hire a mover? Even if youre just moving across town, there are several benefits to consider. For one, movers can help you safely and efficiently pack your things. On moving day, they know how to properly carry heavy items. Theyre also equipped to wrap furniture to reduce damage. And, it will certainly be less stressful. Its at least worth getting an estimate or two. Need a referral? We have plenty of mover contacts to share with you. Feel free to call us for names in your area. 3. Plan Your Space. Get a copy of your new floor plan, including the square footage, and start assessing and measuring your belongings. If you are moving into one of the RLC communities, the floor plans are on your communitys website. Allow yourself plenty of time for this step, and use a sorting system as you go through the house. Use colored stickers and label what youre going to keep, store, donate, and sell. If you find yourself feeling anxious, this article on "rightsizing" may be helpful.Use your trusted binder to keep track of notes. Write down the recipients of your donation items. Make a list of whats going into storage. If you have items to sell, jot them down and determine prices. By the time youre finished, youll know exactly which treasured items youre moving, and it will be much easier when it comes time to pack.4. Pack Your Things. Our biggest tip for packing is to focus on one area of the house at a time to keep from feeling overwhelmed or getting too tired. When packing fragile items, its always better to have extra padding than not enough. Also, keep in mind the weight of items as you pack each box. Mix heavier items with lighter ones to keep the overall weight more reasonable for lifting.This is a great time to ask for help. Host a packing party or hire a professional packing crew, just know you dont have to do this alone.Regardless of who helps, its important to stay organized. Clearly label each box with the room name and list of contents. That way you know exactly whats inside when its time to unpack. This will also help you prioritize which boxes to open first. We have printable labels for you below.5. Move Ahead. For moving day, pack a suitcase as if youre going on a trip. Include clothes for a few days and any personal items you will need right away, such as your toothbrush and medications.Also, pack an essentials box. This should include your bedding, a set of towels, toilet paper, paper towels, trash bags, dish soap, paper and pen, scissors, and toolbox. If youre a coffee lover, include your coffee pot and favorite mug. If you have a pet, be sure to pack his or her food. This will be the first box you unpack.Bonus tip: Be patient and kind to yourself. Set aside time to reward yourself at different stages of the process. Once youve created your binder, enjoy an indulgent meal. After youve sorted through your things, schedule a relaxing massage or round of golf. Give yourself things to look forward to as you go along. You deserve it. Speaking of treats, weve created a free Moving Packet to help you stay organized. It includes a series of printables, such as a moving checklist and suggested timeline for each step of the process. It also includes inventory lists, so you can record whats packed in each box. Finally, there are moving labels you can tape to your boxes, or print on Avery label stickers, to help identify your precious cargo. All you have to do is download the packet, print, and use.Good luck with your move! If youre still deciding on a new home, wed be honored to have you live in one of our all-inclusive, resort-style communities. Explore a location near you, and call us to schedule a personal tour. CLICK HERE TO DOWNLOAD FREE PRINTABLES