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Try It NOWCategory: Snowbirds
Updated Nov., 2023 – The leaves are turning and there is a chill in the air in the Northeast and Midwest. So it’s time we once again link to the “Snowbirds Leaving for the Winter Checklist” that we originally published in 2010. Every year we add to it in different…
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Category: Financial and taxes in retirement
Sept. 22, 2022 -- Thanks to the pandemic, the Russian invasion of Ukraine, and other factors, inflation is raging here in the U.S. and everywhere in the world. While early estimates are the 2023 Social Security COLA will be one of highest in history at 8.7%, that will not be enough for the millions of retirees who are living on a shoestring. To help with that, we have assembled a collection of tips our Members have provided in the past. We hope you will add more of your own in the Comments section below (and thanks to Grace for suggesting this topic!) Note that these are just a fraction of the fabulous ideas our Members have posted over the years. Check out the articles listed at bottom for hundreds more!
Sell stuff. Darla suggests: Downsizing by selling stuff didn’t appeal to me, but a friend has an Ebay store. He takes care of anything I ask him to sell, and I give him 30% (the stuff would have gone to the trash or thrift store anyway).
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Category: Adventurous retirement
September 21, 2022 -- Swept up in the desire to stay healthy and armed with plenty of time in retirement, millions of baby boomers are enjoying hiking as a fun pastime. Unfortunately, sometimes things go wrong. According to hikersdaily.com, almost 5,000 hikers are injured every year, with most of those coming from slips and falls, with the ankle most often affected. There are an estimated 15,000 rescue operations in an average year on public lands. The most tricky of those are helicopter rescues, which typically cost around $12,000.
We would like to make sure one of these mishaps doesn't happen to you. And to make your hike more fun, we are including some great tips from our friend Tom Cretella, one of the most experienced hikers we know. These are his tips.
Top 10 Mistakes You Don't Want to Make Hiking
Not enough water. Running out of water is never a pleasant experience. I always carry at least 2 liters of water for a day hike. Hint, Don’t wait till you are thirty to drink; then it’s too late to fight off dehydration. Try to drink often during the hike. Good hydration keeps your muscles from cramping and your reflexes sharp. Tip: Water is heavy so I carry an extra liter of Water and stash it about 1/2 way to my destination, and retrieve on the way back. It can be a life saver.
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Category: General Retirement Issues
Sept. 21, 2022 — Topretirements is about to enter its 17th year, hard to believe. During that time we have covered about every topic we could think of, from best places in all kinds of categories, to Medicare and Social Security, to what to do in retirement, and a whole…
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Category: Health and Wellness Issues
September 10, 2022 – There is good news coming for the estimated 1.5 million Medicare recipients who have been affected by the notorious prescription drug donut hole. The relief will arrive in 2025, thanks to the Inflation Reduction Act signed by President Biden. Then the new law will put a…
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Category: Retirement Planning
September 7, 2022 -- We are fortunate to be living in a time when retirement has so many possibilities. Not so long ago, our choices were to work until we dropped, move in with one of our children, or get shipped off to a nursing home. Now, the choices are endless - but which one is right for you?
Retirement is a continuum
For most people, there isn't just one phase of retirement - there are many. Let's say you retire in your early to mid 60's. The type of community you retire to might not be a lot different from where you lived before. Maybe you move to a new town or state, or stay in your current home. A new home might be smaller, bigger, or very different from your current one. You probably want to move to a community or an area that offers the kind of amenities and recreation that your new freedom opens up. Those might include golf, pickleball, hobbies, culture, hiking, biking, exercise, etc.
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Category: Health and Wellness Issues
Sept. 1, 2022 -- Several Members commented recently about whether or not they would take Paxlovid if they contracted Covid. In a Comment Rick said he wouldn't use it, based on the experience of so many people he knows who have taken it and experienced rebound. RichPB, however, said that the drug can reduce death and serious hospitalizations, and that taking it is a personal choice. To that point, a new study from Israel found that Paxlovid reduced the risk of death by 79% and hospitalizations 73% among patients over the age of 65. The study is one of the first tests since the arrival of the Omicron variant. The drug seemed to have little beneficial effect among younger patients in the Israeli study, even if they had underlying health problems.
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Category: Best Retirement Towns and States
August 31, 2022 -- There is one list that no state wants to be on - the one that names the worst states for retirement. A new list came out last week from bankrate.com, and it immediately got a lot of attention. While their list isn't bad, it really misses the most important thing - lists like this don't make sense because they don't take into account that everyone's retirement criteria are unique. Any attempt to generalize means coming up with the wrong answers for a lot of people. In this article, we will list the worst 5 states on the bankrate list, as well as the top 5 from Topretirements' most recent Worst Places to Retire list. But more important than that, we will also outline what could be the worst states for retirement for people in very different situations (well off retirees vs. those on a tight budget, homeowners vs. renters, those with a focus on well-being or strong political opinions, as well as folks with climatic and recreational requirements).
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Category: Work and Volunteering
August 24, 2022 -- So many people look forward to their retirement, and then when it happens, blah. Maybe they go on a river cruise, play a lot of golf, or finally get the garage sorted out. But after the initial rush, many retirees find they miss the daily interesting people and challenges they had in their previous careers. So here are some unusual opportunities that you might consider - either for a season or even a few years.
nextavenue.org recently profiled a couple, Jane and Mark Tafel, who have taken advantage of some fantastic opportunities since they retired. Their 3 month stints included working at a contemplative retreat in Washington state doing gardening, communication, and odd jobs - with housing provided. They have also had jobs at a lodge on Lake Superior, Bryce Canyon National Park, and teaching English in India and Tanzania. They loved all of those jobs, while taking them on in 3 month increments allowed them to be home for holidays and family events. The Tafels use the website Coolworks, which has a section called "Older and Bolder." The website is a fantastic resource, which not only has plenty of jobs posted in all kinds of categories, but also has helpful articles on how to organize your search, including how to identify any must haves and possible deal breakers.
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Category: Health and Wellness Issues
Updated Jan. 30, 2024 -- The FDA's ruling that allows people over 18 to purchase hearing aids without a clinical assessment has been in effect for over a year now. It estimates that consumers could save up to $2800 with these air conduction devices when sold in stores like Best Buy, CVS, or Walgreens. The goal with this initiative is to help prevent the depression, mental decline, and lack of socialization that can come with hearing loss.
The ruling applies to people with mild to moderate hearing loss. If you think you might be a candidate for these, now is the time to do your homework - there is a lot of complexity to figure out before you buy.
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