Winning Later In Life: Preparing Your Finances For Old Age 100%

Winning Later In Life: Preparing Your Finances For Old Age 100%

We all fear getting older to an extent. Sometimes the very thought of old age creeping up on us can you put the fear of God into us. But as we get older, we’ve got to think about some of the essentials. These are things that we might not necessarily want to think about. A very good example is your finances. When you are younger you don’t necessarily need to think about paying off debt right away but you may already start to set up a retirement fund. But what are the critical components of preparing your finances for old age that everybody should know about?

Will You Need Your Property?
These days buying and selling houses is all about making extra cash, and when you’ve already got a property, you need to look at it in terms of the nest egg it can generate but also if it’s going to be suitable for your needs when you are older. Many people downsize of the get older because the property doesn’t suit their needs anymore. Others tend to have it as part of their estate. You need to ask yourself now if the property that you’ve got is going to fulfill your needs. If it doesn’t, then you can sell up, or you may decide to make some alterations, so your home is more livable.

Time To Consult An Attorney
While you might not be thinking about the day you die, why it’s important to have your estate in place so show all of the money matters are resolved, so you’re your relatives don’t fight over your estate. Organizing power of attorney is something we all have to do, especially if we concerned about dementia or age-related cognitive decline. When we set up power of attorney, we have to think about who can handle our financial affairs. We have to make it as straightforward and without complication as possible.

Paying Off Your Debts
Even if you’ve gone past 50 paying off your debt should become a priority if there’s something in place. Debt might be the last thing we would think about because we need to enjoy life, but we have to remember that if we pass away with a substantial amount of debt this can either get passed on to our loved ones or a significant portion of our estate is used to pay off the outstanding amount. Paying off your debt is peace of mind, and if you do it early enough, it means you can enjoy your retirement. Paying off your debt is about making lifestyle choices that will benefit you later. While it’s cliche to say that you can’t take the money with you when you go, if you can work over a 6 or 7 year period on getting rid of your debts, you will feel happier, and no one will have to inherit your debt.

Working Towards Enjoying Retirement
We now live in an age where people have to work longer, and everything is so much more expensive that we may worry about the day that we have to give up work. But preparing for your retirement isn’t just about the pension pot, but it’s about understanding your needs when you finally give up work. You might want to go on a cruise because it’s something you’ve been dreaming about for so long, but one of the big mistakes that we tend to make in preparing for retirement is that we look at the lump sum we have accrued and then divide it by a certain amount of weeks, months, or years. Our retirement isn’t just about a set value every single week, but as we get older, our expenditure will decrease. Consulting a retirement calculator can give you a better idea of how much you will need to save but also so think about the other components of retirement, not just the finances.

Focus On Your Happiness
Your finances may very well dictate how happy you are. Having more money in our pension pot could mean the difference between having a leisurely retirement and an unhappy one. But we need to focus on getting happier as we get older. We may have spent 50 years or longer working for someone, and now is the opportunity to relax and be ourselves. But with anybody that spent a long time slaving away, anxiety is going to loom large in their mind. If we start to focus on our happiness, we may not necessarily need as much money as we think we do. As lovely as it is to enjoy a leisurely retirement, we’ve got to remember that there are going to be other aspects of life that will make us enjoy old age. Seeing our grandchildren take their first steps or the little moments. Preparing our finances is essential, but if we can focus on our happiness as well, then we will be winning at old age.

Healthcare Is Becoming More Holistic

Healthcare Is Becoming More Holistic

In the past, medics tried to paint clear borders around their role in society. They were the people you went to for treatment when you got sick. You hoped that they would put you back together and allow you to continue living your regular life.

With the changing nature of diseases, however, that old approach seems a little outdated. The conditions that most people have today are nothing like those of the past. In the 19th century, the biggest killer was tuberculosis and cholera. Today, its heart disease and stroke.

The nature of the causes of these diseases has changed too. Nasty bugs were responsible for the majority of human illness in the past, cutting lives short wherever they struck. Today, though, it’s mainly lifestyle factors, like diet, which determine long-term health. Medics know that merely treating the problems is only half of the solution. If they want to be really effective, they need to prevent them too.

Medicine is changing. It is becoming more holistic. As the following infographic shows, the focus is now much more on tackling the issues related to poor health, such as opiate addiction, housing insecurity, and social isolation. Public health professionals know that if they can address those issues, they can get one step ahead of disease and prevent people from making damaging lifestyle choices.

If you’re interested in how public health in America is changing, check out the facts and figures in the infographic below. It shows just how much our medical system is adapting to the new knowledge we’ve gained about how health works.

Infographic by University of Southern California

The Worries Of Parents With Poorly Children

The Worries Of Parents With Poorly Children

Being a parent means you become many things. You become a nurse, a counsellor, a teacher, a financial advisor, a bank account. The list of things that parents become could go on and on. It’s one of the best jobs in the world, no matter how much it requires us to do. It allows us to have this unconditional love for a little human that we managed to grow inside of us. But there are definitely times where being a parent is everything that’s cracked up to be. By that we mean it’s tiring, stressful, lonely, and everything else I between. Although we know that we’re going to have that unconditional love, we’re also fully away of the struggles of being a parent before we sign up for it. One of the biggest ongoing struggles we think, is the worry a parent has for their child. You want them to grow up to be the best that they can possibly be and to have the best health possible. So when your child begins to get ill it’s easy to go into full panic mode. You think that the world is crashing down because they’re not this healthy perfect child anymore and the care of them is either totally in your hands which is stressful, or in the hands of doctors and nurses, which is even more stressful. So, we’re going to go through some of the worries a parent has when their child is poorly, and hopefully ease a few that you might have had.

Dealing With The Small Issues

There will be so many small issues that go wrong with children’s health. They’re going to go through years of having to build up some sort of immune system to be able to function like a normal adult who doesn’t get ill every time they go into a building. Because we can walk around every day and we’re not likely to get ill that often. All children have to do is go back to school after having a break for Christmas for example, and they’ll eventually end up with some sort of cold or sickness bug within a week or two. So throughout their life, you’re going to have to deal with runny noses, and vomiting in the early hours of the morning. To manage it, you simply have to do what you would do for yourself if you were ill. Make sure they’re drinking plenty of fluids, eating only when they can if they’ve had a sickness bug, and generally keeping them in bed until it passes. We don’t have sickness bugs really as adults, so it’s easy to forget how terrible they are. Trying to build up an immune system is also important. Kids can take daily vitamins that will help them to do so!

Dealing With Their Fears

Every kid is going to have fears when it comes to visiting at least one healthcare professional. For a lot of kids it’s the dentist, but there are bigger worries about what scary health professionals are going to do to them. For example, a lot of children have to make trips to the audiologist for pediatric hearing tests. Some children are either born with hearing problems, or might be developing them due to gromits, infections, and many other things. But children seem to be particularly funny about people trying to put things in their ears. To manage any sort of fear like this, you have to use distraction and bribery. Their fears are justified, because who does like having something put in their ears! So tell them to sit there and get on with it might not be that effective! Take a tablet with you for them to play on, and promise them something they’re going to love afterwards!

Stays In Hospital

Stays in hospital are hopefully not going to come around too often. A stay in hospital can be so traumatising for both you and your child. But the best thing that you can do is try to make it as fun as possible for them. Playing, watching films, whatever you can do it make it enjoyable so they don’t start associating the hospital with nasty things. The more you can get them to come to terms with a hospital helping and healing, rather than hurting, the easier it’ll be for them to engage as they get older. Some people go into their adult life not wanting to go to the doctors about anything because that’s how they’re grown up!

Getting Older Without Feeling Like A Boulder! Signs You’re Functioning At Your Optimum

Getting Older Without Feeling Like A Boulder! Signs You’re Functioning At Your Optimum

We all know that getting older means looking after our minds and bodies that bit more. We need to have a bit more care and attention with regard to what we are putting into our bodies and how much exercise we are doing. But while we need to achieve optimum health we don’t necessarily know what this consists of. As we get older, we want to be functioning at an optimum level for the sake of our loved ones, but what does this mean and how can we check that we are?

Your Senses Are As Good As They Can Be
Fixing your senses is easier than ever with glasses and hearing aids. But it’s important that as we get older that we don’t shy away from getting a hearing test or having our eyes checked regularly. As we get older we need to have our wits about us more, especially if we’ve got grandchildren that we need to chase after! Ensuring that our sights, sounds, and smells are all functioning at their best will make everything else that much easier.

You Have A Stable Weight
We all know that we need to exercise, but while we may not necessarily have the opportunity to go running around or hitting the gym as much as we’d like, if we know that we have a stable weight for our height and build we can rest easy. If your weight fluctuates, there could be something wrong with your hormones or inflammation levels. Inflammation is one of the main buzzwords with regards to a healthy lifestyle now. Minimizing inflammation is something that you can do through various means.

You Sleep Well
Sleep is a big problem now partly because we don’t eat the right things to encourage us to sleep but we also feel that we’ve got to burn the candle at both ends in order to keep abreast of significant changes in life. But we need to prioritize our sleep. There are so many people that feel a sense of pride in waking up before everyone else and going to sleep later. But this will cause various health issues and could lead to very serious conditions later in life. It is important to make sleep a priority if you don’t already.

You Know How To Tackle Stress
Stress is one of the most common problems we hear about in the modern-day. Tackling stress is partly to do with the right tactics but it’s also about making sure that we have our perceptions of life in check. As we get older we can start to stress about our mortality and we could start to retreat into our shell, especially if we hear stories about people that we grew up with passing away. But with regards to getting older and realizing that stress is something that we need to treat as importantly as our health we can age healthier and happier. Tackling stress is partly to do with our individual stress triggers but it’s also about making sure that our general health is in check. Feeling stressed could very well be your body’s reaction to inflammation.

You Detoxify
Detoxifying is not just about making sure we sweat on a regular basis but it’s also about understanding that there are so many things in the modern world that aren’t necessarily good for our minds and bodies. As we get older and we start to see the gap between the older generations and young, especially with regards to social media, we could feel that we need to catch up. But the big problem in doing this is that we are exposing ourselves to things that we may not feel prepared for. Overstimulation is a very big problem, not just in older people, but in the youth of today. This is something that can cause a lot of stress so we have to think about detoxifying our minds and bodies in the right way. Some people undergo things like a social media detox, whereas others start to become more aware of mindfulness so they are able to listen to their bodies.

Ensuring that we are functioning at an optimum level is crucial as we get older but it’s also something that we can pass on to younger generations. It’s so easy for us to think that when we were young we were invincible but now the generations after us are born with a deficit in terms of energy and health. Partly this is due to diet but it’s also due to the modern stresses that we just didn’t have all those years ago.

Simple Steps To A Wheelchair-Friendly Home

Simple Steps To A Wheelchair-Friendly Home

As we get on in life, we sometimes have to face the fact that we may need the help of a wheelchair to get around. While it can feel like an interruption in independence, it doesn’t have to be. Many public places today are friendly to those with wheelchairs, with accessibility being easier than ever before in a lot of places. However, the one place that never seems to be wheelchair-friendly is your house.

If you are new to using a wheelchair, then the likelihood is that your house will need to be adapted to suit your new wheels. It’s one of the essential things to do to make life as easy and comfortable as possible. So, if you are dealing with physical limitations and you want to make improvements to your home to be more accessible, take a look at some of our tips below.

Move Things Around.
The best place to start is with your furniture. Move things around to accommodate the size and shape of your wheelchair. You may have negotiated tight spaces when walking, but it’s a little different when you’re in a chair. Make the gaps between furniture bigger to fit the chair and adapt what furniture you have in each room to suit.

Make Entrances Accessible
You need to ensure that your entrance to the house and your back door are lined with a handicap ramp to get you in and out of the house safely. You want to avoid using any steps if possible, otherwise you’re going to struggle to get in and out! It shouldn’t be hard to get in and out, and you can give yourself much-needed independence when you add ramps.

Aim For Low Shelves
When you’re sitting in a chair, you don’t want to have to try and act dangerously by reaching up too high and falling over. So, start adding your most important items to lower shelves for ease. Independence is gained when you don’t have to ask for help, so don’t be afraid to adjust as you need for your benefit.

Add A Stairlift
If you have an upper level of your house, then think about adding a stairlift to get you to bed every night. You may not be in a position to move house or move your bedroom downstairs, so this is the next best thing for you.

Widen The Doors
You may not be able to adapt every house you go into, but you can adapt your own house. You can have builders come in and widen the doors for you so that you are able to get in and out comfortably. By widening the doors, you can get in and out whenever you need to without worrying about crashing and damaging the wood.

You might feel frustrated in the very beginning when you first get into a chair, but you can increase your independence and feel more secure when you get some practice. It isn’t easy to get around in a wheelchair as it is, but you can make it so.

Best-ever veggie sides for Christmas

Best-ever veggie sides for Christmas

Every family has their favourite Christmas veggie side dishes – from citrussy carrots and braised red cabbage, to cauliflower cheese, roast parsnips, and infamous brussels sprouts, we have all the recipes you need for Christmas dinner

Try our best Christmas vegetable side dishes. Here are our top Christmas dinner side dishes, from Brussels sprouts to red cabbage and roast parsnips. Plus winter greens and some indulgent gratin recipes. We also have plenty of Christmas trimmings ideas here, from pigs in blankets to the perfect gravy.

We have made Christmas side dishes easy to make, and here’s our turkey guide to cook the perfect turkey.

If you’re going all out vegetarian this Christmas, try our Christmas vegetarian recipes here.

 

Ingredients:

Our veggie sides use Christmas ingredients such as orange peel, cinnamon and more to add a festive touch

 

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Best-ever veggie sides for Christmas
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Best-ever veggie sides for Christmas
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