Tag Archives: Retirement

Thinking Ahead And Three Questions To Ask Yourself

Thinking Ahead And Three Questions To Ask Yourself

Right now the only future thinking you might be doing is considering the weekend plans. They go by so fast don’t they? Where your meeting up for your weekly catch up with your friends or what restaurant you are going to eat in. Maybe you can’t think further than next weeks deadline for a project at work, or perhaps beyond wedding planning or starting a family. That is completely understandable. Living for the moment or not thinking too far ahead means you are making the most of what is right in front of you. But before long, you will find that you are getting older, getting wiser, and retirement will hit you square in the face. What next? The truth is, the sooner you start thinking about it, the better off you will be.

 

Often the decisions you put in place today can mean you don’t need to spend time in the future thinking about it, as things will be set up and in place ready to go. Which is why I thought I would share with you some of the things you can start to think about, plan for, and even pay towards right now. Hopefully some of these things can help you better prepare for a different phase in your life, enabling you to feel secure right now, and carry on enjoying living in the moment.

 

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Have you thought about future investments?

 

It is time to start thinking about making some solid roots for yourself, and one of the biggest ways that you can do that is through investing in property. Your first home enables you to get that foot on the property ladder and then subsequently, as life changes and moves forward, you begin to move on up that ladder. Maybe buying bigger properties or investing so that you make more money in the long term. For the future, this means you have a steady nest egg ready and waiting. Sat that with a no mortgage and equity you can use by downsizing when you no longer need the big family home.

 

You could also invest in additional properties. A lot of people consider using property as a way to fund their retirement in the future. Buying and selling properties that have had work or been renovated. Keeping properties on a portfolio to rent out so that come the end of their working life they have a fair few properties that are worth something. These can either continue to supplement your income through rent or be sold so that cash balances can be used to life off.

 

What about your health as you get older?

 

Retirement isn’t always going to be rosy. There could be some major decisions you need to make in terms of your health at some point. Getting older often means that your health might start to deteriorate, no matter how well you have looked after yourself. Living independently might be exactly what you want, but you may also need to consider how you might do that. Having money aside in advance to help adapt a home could be the ideal solution. Enabling you to still live in the home you love. You may also need to think of the possibility of a care home or nursing home at some stage, of course, no one wants to consider this, but it might be a harsh reality. I know there can be some stories you hear about nursing homes, but this is when knowing you have the law on your side can help make you and your family feel more at ease about this prospect in the future. Websites like https://grayandwhitelaw.com/practice_areas/kentucky-nursing-home-abuse-and-neglect-lawyer.cfm can be extremely informative and reassuring.

 

How will you spend your time?

 

Now onto the fun things, how do you want to spend your later years in life? Many people see retirement as their chance to tick off places on the bucket list. Websites like https://personalexcellence.co/blog/bucket-list/ could help you with yours. That destination list you mentally store in your mind over the course of years of places you want to go and experiences you want to have. Retirement means you have the time, and hopefully the finances, to make that happen. Of course, travel isn’t for everyone, so you may want to think about other things you can do with your time. Perhaps you want to take up some hobbies you haven’t had time to enjoy while working. Maybe you want to learn something new. Doing this gets you out of the house and socialising.

 

I hope this has got you thinking about some of the ways you can start to think and prepare for the future.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Care At Home – Or In A Home: The Big Question With Aging Parents

Care At Home – Or In A Home: The Big Question With Aging Parents

Nobody can predict the future. And while I could hazard a guess that most of you reading this post would love to allow their parents to age gracefully in their own home – or even yours – you just can’t tell what might happen. Illnesses, repetitive injuries, and complicated psychological issues could all play their part. And even if you do make the decision that you will definitely be your parent’s caregiver, who’s to say you will be in a position to do it when the time comes?

There are a lot of considerations to think about – and to be honest, it is almost impossible to make a decision now, without knowing what the future holds. But the sooner we all start thinking about things, the more prepared we will be to make that important decision. With this in mind, here are a few things you should be thinking about right now, so you are ready to deal with them in the years to come.

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Emotional cost

Yes, sending your parents to a residential home is going to be expensive. But you might be surprised to learn that there are enormous costs involved when they need care in their home, too. Millions of people all over the country care for ageing and ill parents and relatives and an increasing number are providing hands-on care. It’s a lot of work. Unless you can afford to pay medical staff and support workers, you can expect it to be a full-time job, and it will be incredibly draining, stressful, and can take you away from bringing up your own family.

Financial cost

Money has to be taken into account. As much as we would all love to say it makes no difference, the cost of caring for a parent at home is significant. You may need to give up your job, pay for medical services, and maybe even shell out for adaptations to your parent’s home – or yours. In short, whether you choose a care home or look after your folks yourself, there is a chance it will have a profound effect on your finances.

Approaching the end

There will come a time when your folks will be close to the end. And if they are suffering from something like end-stage cancer palliative care is of vital importance. Your loved one will be undergoing a lot of pain, and be experiencing the impact of a massive array of symptoms. They will need doctors to treat them, nurses to care for them, and also people who can provide them with the psychological support they require. While many people prefer to see out their days at home, there are some scenarios where getting help from a professional setting will be better for everyone.

The guilt

Unless money is no object, at some point you are going to have to make a choice – and live with it. Either way, you are going to feel guilty. On the one hand, if you decide on residential care, you might have to go against the wishes of your parents. But on the other, keeping them at home may prevent them from receiving the care they need to live out their days comfortably, or the support they need in the event of an emergency. Whichever direction you end up choosing, you have to remember that you will still be a big part of the care team, but you will also have to accept reality.

It’s a tough call, for sure. But hopefully, these factors will help you feel a little better about making a decision when the time comes. Hopefully, that won’t be for many years…

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram

9 Ways to Improve Your Brain Function

9 Ways to Improve Your Brain Function

Part of staying as young as possible for as long as possible is keeping your brain functioning well. Whether you need a brain boost because you’re a mother of four with a full-time job and just staying awake is a challenge or because you’re trying your best to climb the career ladder and you need to constantly be on top form, you’ll need to give your brain a fighting chance. Here are some ways you can give your brain a boost.

 

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Play Games

Playing mentally stimulating games is a way of exercising your brain so it stays alert and ready. Your brain needs to be exercised, just like every other muscle in the body. You can play games like chess, word and picture puzzles, trivia games and many more. The great thing about this way of boosting your brain’s function is, it’s fun. You don’t have to look at it as a chore you have to complete to keep your brain young because it’s something the whole family can get involved in.

 

Exercise

Have you ever noticed how much more motivated you are after exercise? It’s as if the world opens up and you can see things brighter and clearer. That’s the benefit exercise has on your brain. It increases the amount of blood vessels that carry oxygen-rich blood to the brain. It also lowers blood pressure and reduces mental stress. It’s ideal for anyone that feels their job is stressful. We can’t always avoid stress at work, but exercising can go a long way to relieving your tension. Going for an early morning run is one of the best ways of setting yourself and your brain up for the day.

 

What Are You Eating?

Your diet has a direct effect on how your brain is functioning. It’s best to stay away from saturated fats, which means the less take-aways you eat, the better. B vitamins and folic acid are ideal for brain function and you’ll find plenty of those in leafy green vegetables. If you’re worried that you’re not getting your fill of the vitamins you need, you may want to take a supplement. You can get everything you need from brain function support nootropic. To ensure you get a good range of vitamins in your diet, why not try making smoothies for your breakfast?

 

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Blood Pressure

Did you know that high blood pressure can lead to cognitive decline in old age? It’s also worth knowing that there are many things you can do to easily lower your blood pressure when you need to. Studies have found that stroking dogs can significantly lower a human’s blood pressure. That’s because most people become totally relaxed around dogs, especially puppies. You can also lower blood pressure by lowering the amount of alcohol you drink per week. For women, it should be no more than a glass of wine per day. For men, no more than 2 pints of beer per day.

 

Cholesterol

Bad cholesterol has been linked to dementia in older age. It’s important to improve your cholesterol as soon as possible. You can do so by adjusting your diet and getting regular exercise. If you’re a smoker you may want to think about cutting down or giving up altogether. Here are some ways you can reduce your bad cholesterol and get more of the good.

 

Mental Health

We’re all affected by mental health at some point in our lives. Whether you go through a difficult time in your life, like a divorce or you’re clinically diagnosed with a mental health issue, it’s important to do what you can to look after your mental health. It goes without saying that the more pressure we have on our mind, the more likely our brains will need help to function in the future. If you feel like you need help to get through a particularly tough time in your life, counselling can be a fantastic way to take care of yourself.

 

Use Protective Equipment

It’s only as we get older that we realise that the things we did when we were younger do have consequences. If you think you can get away with riding a bike without a helmet, think again. Every fall, every hit, every accident; it’s all absorbed by our bodies. Even if we believe we’ve walked away without major injury and recover with no issues, the aches and pains may come back to haunt us. So, if you want your brain to function as well as possible in older age, you’ll need to protect is. Wear a helmet on a bike, wear protective gear when walking through a construction site and don’t take your body for granted.

 

 

Stay in the Game

Retirement doesn’t have to mean that you’re stuck at home watching re-runs of The Golden Girls. To keep your brain active, you need to be around other people. So, as you approach retirement, start to join clubs and groups where you can talk to like-minded people. One of the biggest complaints from retirees is loneliness. And, loneliness is no good for our brains. Of course, there will be days when you just want to be at home and relax, but staying connected to the community is a big key in keeping your brain active.

 

Travel

There’s nothing that broadens the mind quite as much as travel. It’s wonderful to see how other people live. Experiencing other cultures is the best way to awaken your brain. Travelling allows you to see new sights, taste new foods and speak different languages. It’s also the perfect excuse to totally relax. Whether you’re relaxing on the beach or exploring the wonders of the country you’re in, you’ll surely have forgotten about all the stresses and responsibilities of home. Take a look at some of the top travel destinations for over 50’s.

 

Keeping your brain functioning well isn’t hard when you know how. All you need is zest for life, a balanced diet and some good exercise for your mind to be in tip top shape.

 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram