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I’m retired…what do I do now?

Finally, after working for 40 plus years, you no longer have to crawl out of the bed in the morning and drag yourself to the bathroom, shower, grab a bite to eat & rush out the door to work.  You have been able to take care of your family, gotten your children through college, saved up for a nice retirement.  Now, what do you do to fill up all the free time you have?

assisted-living-bottom-callout-2Don’t let depression get the best of you and don’t allow yourself to become bored.  Get out and do some recreational activities, work in your yard, volunteer in your community.

If you don’t have outside activities you enjoy, take a class to learn a new activity like playing tennis or playing golf, bowling, swimming or dancing.  Most YMCAs in communities offer classes for activities such as these.  There are also usually senior citizens community centers in most cities that have classes where you can go into the center and participate in games or other activities with other retirees.  Board games and crafts are great for keeping your mind active and healthy.  Painting is something else they may have classes in the center.

If you like staying close to home, try coming up with a plan to redo your yard and do some gardening.  Buy some annuals and spruce up your flower beds and around your mailbox.  Giving your home some curb appeal will make you feel good about your home as well as a sense of accomplishment and getting some exercise at the same time.

Churches, hospital, non-profit organizations are great places to start in a search for places you can volunteer right in your own community.  Volunteering helps build a sense of belonging with others as well as helps organizations, your church and hospitals save money by having volunteers helping out as opposed to paying more for staff.

Enjoy your retirement, but get involved in something to give you a sense of worth as well as helping out in your community.



Farming in Retirement

farmer_600x400You have worked for 45 plus years and now you get to say what you do with your time in your retirement years.  Finally, you have control over what time you get up every day, what you do during the day, what time you eat, nap and go to bed.

How about first of all, we move to the country where we can have some land to grow our own food and raise our own animals.  We don’t need to be in the city and close to the subway stations or close to our work place.  We are free to go where the cattle roam!

So, first things first…sell our house in the city.  Look for a place in the country with some land.  Perfect, we found one that is already fenced in for animals, has a barn and a plot for a garden.  We will figure out the perfect spot for the fruit trees and get those in the ground now.

We will start with 10 cows, making certain to have a bull so we can increase our herd. Chickens are a must also because we need eggs also.  We’ll start with 20 chickens…19 hens and 1 rooster.  We don’t have to build the hen houses and coop because the former owners of the property raised chickens and they were kind enough to leave the coop and houses behind.

Now we need to lay out our garden.  We will need to plant the following vegetables:

Potatoes 2 rows

Corn 4 rows (2 early and 2 rows 2 weeks later)

Peas 2 rows

Butter beans 2 rows

Green beans 2 rows

Squash 10 plants

Zucchini 4 plants

Tomatoes 1 row of 20 plants

Okra 10 hills

Onions 1 row

I know this sounds like a lot of garden to keep up with for just the two of us, but we plan to share our harvest with friends and family as well as the needy. Since we will be retired, we can work in the garden every day.

I think I am going to enjoy this retirement living on the farm!


Retire to Volunteering

So you have spent the past 40 plus years working, saving money for retirement and now the time has come to move to that stage of your life.  But what will you do?  Cooking, crafting, taking up walking or a new sport or getting a part time job are some of your options.  Another fulfilling activity would be to volunteer to help others. Volunteering is an obvious way that many retirees  fill their hours with rewarding activities.

5576b257b6d81.imageSome of the options for volunteering include:

Reading or mentoring children in your neighborhood or schools.

Volunteer at a pet shelter.

Volunteer to answer phone or filing at your church.

Volunteer at a local hospital.

Find local groups looking for volunteers that do so organizations in your city or neighborhood.

Volunteer to cook or serve at a local food kitchen or stock shelves at a food pantry.

Some people aren’t sure where to find volunteer opportunities.  Thank about what you like to do so you don’t become disenchanted or bored with it.  Think about what organizations are important to you.  Call them and tell them you are retired and would like to volunteer your time with them.  It would be rare for an organization to turn down your offer of no cost to them help.  I don’t know of any non-profit organizations that aren’t in need of extra hands at any given time.  You can always work on the grounds of your neighborhood pulling weeds, or raking leaves or planting flowers in the spring and fall.  You could also volunteer your time to help out a busy mom.  Taking care of her kids while she has a few minutes to relax after getting home from work is always a welcome gesture to someone who knows and trusts you.  You could also offer to sit for a family so the mom and dad could have a date night.  The possibilities are endless as to how you can help others, which is the epitome of volunteering.


Planning for your Retirement Can be Easy

3702337311_cfa83756d3_oSaving for retirement needs to start as early as possible and proceed until the day you retire. You have a lot of retired life choices and the following pointers will assist you pick the choices that are appropriate for you. Check out the suggestions very carefully and also maintain them in mind while your picking a retirement option for your future.

If your company has a retirement, collaborate with it as high as you can. If you ever have the cash to spare, then stick it in your retirement. An employer’s retirement plan is a fantastic suggestion since there will be a lot reduced tax obligations and the employer may match your savings also.

Establish practical goals for retirement. Reaching goals in the sky can result in dissatisfaction if you do not have the sources to hit them in the first place. Establish really conservative objectives and enhance them progressively as you strike them year by year. This will certainly also avoid you from making rash choices as you conserve.

Do not forget to plan your life too, as you financially plan for retirement. Most individuals learn at an early stage that saving is very important, yet they cannot think about the responsibility they have on their hands. Plan for pastimes, classes and volunteering, so you have actually obtained some productive things to do with your time!  Also remember to set aside money for unforeseen things such as home maintenance.  Be sure you can afford the best roofing company if your roof needs repair or a plumber for those pipe leaks.

Talk to an economic specialist about retired life. This person can offer you excellent savings suggestions, despite your age when you start to save. By following their suggestions, you can prepare yourself for the day you stop working and get in retirement. Simply make sure to discover an expert you can rely on.

Get informed and discover as much as you could regarding the different topics reviewed in the pointers above. Discovering as much as possible about your retirement choices is just how you ensure that you obtain the most from your future. These pointers are simply the starting point, yet you’ll should do the remainder yourself.

Fun Games Activities

Want a fun method to maintenance your brain? Why not utilize some classic mind games in order to help you increase your mental capacity as well as get you from your assuming “ruts.” Good mind games habituate you to using creative problem solving as a regular part of thinking.

One side assuming puzzle you could try right now involves 9 dots, outlined three by three. You have to link them all with four straight lines, and without lifting the pen or pencil from the paper. Figure this out and you’ll appreciate the expression “thinking beyond the box.”.

Mind Games For Teams.orana_gardens_retirement_img

Some team mind games are specifically helpful for lengthy trips in a car. For example, someone looks out the window and randomly selects an item. Every person in the automobile after that tries to imagine a new method to make money with it. Street indicators come to be locations to promote, trees are offered with names, and a vehicle ends up being a traveling supermarket.

The “adjustment of point of view” strategy can be utilized as an analytic game. Pick any kind of subject, and see who can come up with one of the most distinct new points of view. Could there be a world where tasks weren’t required? Exactly how would an infection define morality if it was aware?

One more innovative game for a group makes use of a specific method, called “concept mix.” Merely combine arbitrary ideas or points in intriguing methods, and also see who has the most effective suggestion. A chair and also a microwave? Perhaps an easy-chair with a built-in cooler, microwave and also TV, or microwavable “lazy person”– a potato treat in the form of a sofa.

Much more Mind Games.

Some lateral-thinking puzzles use a circumstance, actual or imagined, with a variety of things you have to make use of to accomplish something. Think of a ping-pong sphere in an iron pipeline that’s set in cement. The pipe sticks up two-feet high, and has almost the very same diameter as the sphere. With only a box of frosted-flakes, and also a t-shirt, the amount of ways can you locate to get the round out of the pipe? You could additionally set this up for real, to know if a suggested option will truly work.

Riddles are merely mind games or lateral-thinking puzzles. You move laterally in your mind, away from your common line of thought, to solve a riddle. Exactly what did his buddies do when the cannibal was late for dinner? Offered him the cold shoulder. Maintaining your mind in shape does not need to refer to study, does it?

Helpful Hints To Ensure Retirement Goes Smoothly

Do you want to retire eventually? Lots of people fantasize regarding retiring however, do you know  how you can plan for it. Sadly, this leaves many working far past the years they wanted (8), Nevertheless you do not need to be among them. Use this guide to help create your retirement plan.

If your employer has a retirement plan, then work with it as long as you can. If you ever before have the cash to add, then stick it in your retirement plan. A company’s retirement is a great suggestion because there will be much reduced taxes and also the company may match your financial savings as well.

Identify what is required for retirement. You won’t be working, so you will not be making money. In addition to that, retired life isn’t inexpensive. It is approximated that prospective senior citizens ought to save in between 70 % and 90 % of their earnings to live at their present requirements after retired life. This is why it’s a great idea to plan beforehand.

As you encounter retired life, take into consideration heading out and also making brand-new friends. While there might be nothing incorrect with the old team you associate, not everyone quits working at the exact same time. You will certainly desire people you could connect to as well as people with similar routines. Do not hesitate to seek out new pals for your golden years.

Contribute to your 401k frequently and also maximize any company suit that is given. The 401k puts away pre-tax dollars, allowing you save cash and also minimize the stress on your income. When companies match contributions, they are providing you complimentary cash.

As you have possibly recognized, if you do not plan for retired life, it might not occur. Do not be among the lots of individuals who should proceed working well into their elderly years. Make note of all the terrific info you just check out. After that, you will be prepared to retire.

Preserve Your Memories with Scrapbooking

Scrapbooks are an optimal means to maintain memories and retrieve them for later usage. They enable a journey down memory lane without battling regarding what somebody had said on a particular evening or what you were wearing on your very first senior prom celebration. These fun publications keep precious memories safe and tucked away in a corner till the moment you prepare to revisit or discuss them with somebody. By including our thoughts in a scrapbook, not just can you hold memories for a long time however could also utilize your existing time in doing something innovative and meaningful.

Provided the choices that are there on the market today, getting going with the procedure can sweep you over. Craft shops have a bundle of varied items to provide beginning with full sets that consist of the jobs, stickers, vivid paper, a large range of tinted markers, paint and also glitters. To top all of it there will be selections that you may need to make on the kind of book you wish to utilize for your treasured memories.

gallery_Gallery_PageYet there is no need to stress over such choices because you absolutely require all the products offered in the store to begin. You could begin by purchasing a basic book where to stick photos and also pen down your thoughts or select a CD. You could likewise pick a scrapbook designed specially for the function that might have different styles and also parts to aid the process. The something that you do wish to make sure concerning a scrap book is that it should be strong and also need to be able to stand the test of time. For everlasting safekeeping today there are electronic options for scrapbooks and you could possibly download a scrapbook design template or even load it on your personal web page to share.

To scrapbook, you must pick a couple from the different alternatives that you have to get you started. If you feel that you would like to add even more aspects to your scrapbook, you could constantly come back to the craft shop once again. Some questions that you should ask on your own before beginning are just how you will customize the book and just how you will maintain the images. Customizing the scrapbook is a simple activity because all that you should do is be on your own and also pick the accessories that you want. Nonetheless, while choosing to protect your memories make sure that you use acid free paper to keep it risk-free from insects.

Some Solids Tips For Planning for Retirement

Are you confused about ways to begin preparing for retired life? Does it appear overwhelming and also something you feel you may not know the best ways to take care of? If indeed, this write-up is something you must review very carefully. Retirement planning is required for many reasons. Continue reading to learn more regarding it!

retirement-sign-3Attempt to begin an interest-bearing account as young as possible to plan for retired life. Something with marginal risk and also a high interest rate is most ideal. The more youthful you start planning, the higher your possibility will certainly be to save. If you could begin to routinely contribute to savings in your 20s, you’ll be well on your way to a wonderful nest egg.

When surviving a fixed earnings in retirement, make sure to create a budget and stay with it. This will certainly help you to account for all your needed bills, and it will certainly keep you from over investing. Ensure to include all your earnings sources, expenses and various other expenses to keep your budget plan accurate.

Determine exactly what is needed for retired life. You will not be working, so you won’t be making money. On top of that, retirement isn’t really economical. It is estimated that if possible, retired people ought to save between 70 % and 90 % of their revenue to live at their present criteria after retirement. This is why it’s a great idea to plan beforehand.

If your company supplies a retirement plan, buy it. Many companies provide a matching strategy which boosts your savings, so make certain you spend a minimum of approximately the matching amount. In addition to conserving for retired life, a 401k plan will help decrease your tax obligations each year.

As the beginning of this short article has talked about, retirement preparing is necessary for a lot of factors. The best way of making sure that you are keeping track of what you should do is to make certain to research all you can regarding it. The short article over has offered you fantastic recommendations to get you started.

Discount Travel

A discount trip enables you to see your favored destinations at lower than regular prices. Simply put you daydream about vacation with your family but sometimes, because of cost, that dream starts to fade. Having the ability to take a trip inexpensively does not imply that you will absolutely obtain one of the most effective bargains. As a result, it becomes exceptionally vital to plan and evaluate various price cut travel sets and choose the one that fits within your budget plan as well as demands.budget-travel_web

A price cut rate travel bundle is one means of conserving your revenue on journeys to popular locations. A travel company can help you decide on a package that fits your pocket. they have numerous package deals to help you obtain a handful of alternatives prior to you traveling.

A traveling representative can also tailor your trip plan according to your background. This includes, the time and period of travel, preferred locations around your location along with holiday lodging. These factors have to be taken into account when you select an itinerary. Also, as an outcome of substantial competitors in this market, one should always contrast package deals with various other representatives. This will certainly supply you negotiating power, preferably.

To be on a much safer side, you could call your buddies or loved ones who have been on a price cut traveling package. They will most definitely have something essential to offer you. Their experiences can direct you to stay clear of deceitful individuals from providing budget friendly price cut traveling set and also essentially taking you for a journey!

Bear in mind, a travel bundle that is well intended and also took care of could lighten your taking a trip lots and make the trip more valuable and delightful.

Try These Tips To Make Gardening Easier

Fruits and vegetables that are grown naturally are not only healthy and balanced as well as tasty, but additionally much surpasses any kind of produce you will certainly locate in any type of grocery store. Instead of counting on stores for your natural fruit and vegetables, try growing your very own. Keep reading to learn just how you could grow an organic garden, right in your home.

Three senior men planting together in garden, smiling

Growing a garden is a great way for senior citizens to relax.  You have spent the majority of your life working.  It’s time to do the things you enjoy now.  One of my residents spent his entire adult life roofing The Woodlands, TX, and now all he wants to do is garden.  The trick is to find what you have always wanted to do and just do it!

Think about growing your seeds in interior pots and afterwards transplanting them to your garden once they end up being plants. This can give your plants the advantage they need to survive as well as mature. On top of that, it allows you to space the moment between plantings. Your seedlings will be ready to go in as soon as you remove the previous collection of mature plants.

Transfer your favorite plants inside to rescue them from the winter frosts. Possibly save the most immune or pricey plants. Dig very carefully around the roots and also move the plants to a pot.

Regular weeding is essential to the health of any sort of yard. Weeds could turn a lovely yard into an eye sore. A great means to get rid of them is to make use of white vinegar. The acid in white vinegar eliminates weeds. You might also be utilizing plants that need that very same acid. If you are too busy to pull weeds manually, make a white vinegar solution and also maintain it handy for a quick spray when needed.

Pre-soak your seeds to keep them healthy and balanced. Place some seeds in your smaller pots and include water virtually to the brim. This will certainly offer your seeds a healthy running start in the growth procedure. This boosts the opportunities of survival for the seeds.

Don’t trim your turf too little. If you allow your turf to grow a little much longer, the roots will drop much deeper into the filth, helping the turf grow much better and also continue to be moisturized. A short lawn is more susceptible to obtaining dried as well as transforming brown.

Don’t buy items that aren’t up to snuff. Utilize the suggestions you’ve checked out in this short article as well as start growing fruits and vegetables of your own.