All posts by Warren Perez

Retirement, How to face it?

Retirement, How to face it?

The end of working life is a respite for some but for others, it can be the beginning of a difficult stage, where they do not feel useful or valued. We advise you how to adapt to retirement and get an advantage plan via take advantage of it. Generally, in our life, we adapt better to what we have chosen or we expect it to happen. Therefore, when it is time to stop working, as the main preventive measure, it is best to have a well-planned retirement. At the same time, it is important to obtain adequate income that guarantees certain tranquility so it is essential to reach a good agreement with the company. Retirement is not the end, but the next step to the work continuum in which now you have to reap the rewards of so many years of dedication. There is also a series of tips and guidelines that will help us to have a positive retirement:

Active early retirement:

One of the best tricks so that retirement does not overwhelm us all at once is to carry out retirement activities while you are still working, one or two years before retiring permanently, that way we will know better how our life will be as retirees and we will adapt to her more easily.

Strengthen relationships with your environment:

It will also be important that we surround ourselves with friends, family, and people who want to maintain positive social relationships. A good idea for this is to sign up, alone or with your partner or a friend, to an association whose activities interest you. Taking a trip, changing your routine and surroundings also helps you to overcome the stage of transition from working life to retirement, as well as favoring personal relationships and allowing you to meet new groups of friends.

Meets pending dreams:

On the other hand, if you have always wanted it and your circumstances allow it, it is time to realize those dreams or plans that you had in mind for this stage, for example, going to live in that place where you have been thinking for so long. Your work activity did not allow it or dedicate more time to a specific hobby.

Take a course:

It is never too late to learn new things or even teach yourself what you know to others as a teacher, guide, course assistant, or volunteer will help you to self-value yourself and feel good about yourself.

How to make new friends after retirement?

How to make new friends after retirement?

Usually people after the age of 65, they think that their life has become boring. And they buy a small armchair, put their favorite music album and give an opportunity to that book that they have been assuring for years that they are going to read it. You should not live in this limited life. There are so many exciting things to do even after retirement like getting quotes for a supplement plan @ Go out and make new friends. If you do not feel comfortable or are a bit ashamed to be missing friends now that you are an adult, it is very normal to need new friendship in various instances of life. We must recognize that our health and happiness are more important than the discomfort we feel when we confess that we need friends.

If you miss the continuous relationship with your co-workers, think about joining a social center, where you will establish new relationships. It has nothing to do with a dependency assistance resource. Make new friends with who to share hobbies, walks and talks will also be at your fingertips. The social centers for the elderly also known as the pensioner’s home or retirement club – were originally conceived as meeting places.

These centers, distributed throughout your city are open centers, intended primarily to promote the coexistence of the elderly in a certain territorial area and support for their integration by organizing activities for the occupation of free time, leisure and culture, and information on access to social services.

In the closest to your home, you can ask what services they offer you. Surely, you will be surprised by everything you can do. Signing up to one of them allows you to access a series of very cheap services. The most common are the services of hairdressing, nursing, pedicure, massage, cafeteria and, in many cases, dining room which offers menus at a great price.

They also usually organize parties, dances, snacks and film sessions. And if you live in a small town, surely you will also have one, organized by some association of retired people themselves who are responsible for enabling premises and organize activities to suit everyone.

Services provided by social centers:

Following are some of the services offered by social centers.

•    Information, guidance, and advice.

•    Library and reading room.

•    Cultural, artistic, recreational and leisure activities.

•    Cafeteria and dining room, in many cases.

•    Other services related to the personal attention of the members.

After retirement: what do we do to keep ourselves active?

After retirement: what do we do to keep ourselves active?

Many times retired people do not know how to manage all that time they have, and there is a risk of entering a vicious circle of inactivity and neglect. So that this does not happen, we bring you some ideas like getting a medicare advantage plan

Courses and workshops to continue learning:

Learning new things is an activity that we can continue to do throughout your lives. Have you stopped learning things that you would like because you did not have time due to work? Retirement can be the ideal time to resume all those things that you had scheduled and that you have not been able to carry out. In all cities, there are a lot of courses and workshops that you can sign up for, now that you have enough time. Would you like to learn how to make cupcakes? Maybe dominate landscape photography if that has been your hobby? How would you like to go back to the University? It is your choice and decision.

Sports activities to keep you in shape:

Many are the gyms that have special quotas for the retired and even many day centers offer special classes for the elderly. Keeping fit after retirement is much easier than you think. Now you have a lot of time to invest in yourself. And one of the best things you can do for your health is to take care of yourself through physical exercise.After a certain age, you can occupy the first hour of your day going to the gym, where in addition to working your body to not lose the mobility of your joints and improve your quality of life, sure you also make new friendships with which you can socialize outside the gym.

Travel near and far: discover what you have missed:

Many travel agencies have special offers for retirees that from now on you can take advantage of to enjoy with your partner or with more friends. Discovering other countries and cultures or appreciating the rich gastronomy are great experiences that you can enjoy from now on.Maybe until now you have not been able to travel much since you have been busy with work, with your children, with the house, but from now on you have free time to devote to yourself to enjoy and socialize. This is definitely a unique opportunity to make the rest of your life the best of your life.

The 4 criteria for a successful retirement investment

The 4 criteria for a successful retirement investment

Retirement at 60, 62, 65 or 67? Who says better? While the statutory retirement age is regularly debated, it is ultimately the replacement rates of pensions subject to increasing pressure that raise questions. Preparing your retirement actively is part of the reflexes of a savvy investor. Only one in three assets anticipates retirement. Carefree or afraid to do wrong? As the figures quoted in the preamble demonstrate. However, they do not always feel that they are well guided in their choices so get a supplement plan here Here are five criteria to follow in adjusting your retirement investment strategy.

1. An investment that reduces your taxes:

It is possible to supplement your income at retirement by reducing your taxation. The best way to make money is not to spend it. Different schemes can save for retirement in an attractive tax environment:

•    Popular retirement savings plan;

•    A savings plan for collective retirement;

•    Madelin Contract;

•    Etc.

2. A long-term investment:

Preparing for retirement means investing in the long term. It is advisable to save little but taking it as soon as possible, rather than waiting until the last moment. If life insurance requires an investment horizon of more than eight years to benefit from its advantageous taxation, it is a rental property, also a long-term investment. The collapse of the rates of return of the life insurance contracts is undoubtedly for something. But, beyond that, it’s the security of rental real estate investment that appeals to savers but what to expect from a retirement investment if not tranquility and predictability?

3. An available investment:

Another important criterion is the liquidity of the investment. An investment is said to be liquid when one can quickly and easily recover money set aside. This is important for retirement because it means that when the time comes, you will be able to use (every month, quarter or year) a portion of your savings. Here again, rental real estate figures prominently as it generates a fixed and regular income.

4. An investment with a controlled risk:

The risk profile of an investor is inversely proportional to his age. A young investor may accept a higher risk in return for greater profitability, as long as he has time to smooth the risk over the long run. The situation is quite different for an older investor, who may want to recover his capital in the short term. Think about diversifying your wealth to control its volatility.

How people of age 65 can deal with stress?

How people of age 65 can deal with stress?

Pay attention to your physiological and social well-being as you age 65 or above the way you perceive, interact and respond to things can also change. At times as people age older they keep hearing about death of their old friends, spouse and other family members this often put them in emotional trauma associated with loss. People at old age can improve their lifestyle by following few guidelines as this would help them feel better.  

Why should you express your feelings?

Be more generous and gratefulby getting 2020 medicare supplement plans at Try to appreciate people around you and enjoy moments of life. Don’t hide your feelings instead try to express your thoughts with your social circle and people around you. If you don’t want to talk about anything in person you can also start with writing a book, an articles in journal or a thought based article. You can also join a support group for sharing your thoughts and how you feel about life. You can also talk more often about problems you face in daily life. If you are unable to control or deal with stress and feel depressed it’s important to reach out to family members, friends or contact health care program for elderly people.

Spend more time in natural environment

Try to spend more time in natural environment such as gardens, forests or green environment as in a natural habitat the atmosphere is cleaner, safer and air is free of pollutants. When we spend more time indoor in artificial sunlight starring on few surrounding object like Tv, medical equipment’s or other household objects we are more likely to think about old sufferings, chances of getting in depression and find it difficult to deal with stress. While in natural environment the sound of natural objects such as birds, animals, waterfalls or rain can also help you feel better reducing stress level and emotional distress. Studies reveal tremendous impact on overall health. You should plan more on vacation or holiday tour with people of similar ages. Going outdoors also makes you physically active and spending time in green environment reduces risk of cardiovascular heart problems improving metabolism.

Admit you are aging

People at old age often tend to ignore they face more challenges than young people and they are not as much energetic or efficient as before. They need to admit their physical challenges and accept that some matters in daily life are out of control. 

4 Ways in Which Senior Citizens Can Invest For Inflation

4 Ways in Which Senior Citizens Can Invest For Inflation

Inflation can have a significant impact on elderly individuals, especially retires who are living on reduced or fixed income. Besides, inflation can have a very big impact on your investment. Knowing how to invest for inflation is something that everyone aged 65 years and older should be interested in 2020 medicare supplement rates, how can you invest for inflation and protect your investment and money from any possible runaway inflation? This is the one million dollar question. There are several ways to invest for inflation. Let’s take a look at some of them.

  1. Investing in stocks

As you age, you may become more risk averse. You no longer want to gamble with your money but you want to adventure into projects that you are sure will guarantee you good returns. The best way to avoid the effects of inflation is to invest in stocks. This is because stocks prices normally keep up with the rate of inflation. Therefore, you should invest some of your savings in stock mutual funds or in stocks for you to protect yourself against inflation. Oil and gold are some of the commodity stocks that usually perform well during the times of inflation.

  • Investing in real estate

Investing in real estate is another great way to invest for inflation. This is because real estate usually rises along with the inflation. Apart from owning your own home, using part of your savings to buy houses and plots will give you an advantage against inflation. For instance, if you have rental property, you will be able to increase rents as the inflation increases.

  • Investing in bonds

 Bonds are considered to be some of the safest investments. However, most bonds usually lose value as the inflation increases. But there are some bonds that typically keep up with inflation. For example, treasury inflation-protected securities (TIPS) are bonds that generally keep up with the inflation.

  • Annuities

Annuities can offer you protection against inflation. In case you don’t know, annuity is simply “retirement insurance”. All you need to do is pay a premium. In that way, you will start getting a fixed monthly payment at the end of a specified term. You can choose variable annuities or fixed annuities. Fixed annuities are normally the best option because they attract lower fees. Furthermore, you don’t have to worry about too much about the basic assets. Variable annuities usually offer very high returns when the market is doing well. However, they are usually complex investments and they are associated with higher fees.

Important financial tips for after the age of 65

Important financial tips for after the age of 65

Are you already 60 years old and think you have not made good financial decisions? Do not worry; it’s still time to correct the road. We give you some tips to help you keep your money in control.

1. Liquidate your debts: The first thing you have to do to clean up your finances is to pay off your debts. As an initial step, calculate your total debt. Then, start paying your obligations, starting with the largest ones: mortgage, car credit, credit cards, and personal loans.

2. Make adjustments to your life insurance: If you have not yet taken out life insurance or believe that the coverage you have is not enough, it is a good time to make some adjustments.

3. Diversify your investments with plans at At this point in your life, it is advisable not to make any mistakes in terms of investments, so as not to frustrate your retirement plans. So make sure you do not put all your savings in a single investment instrument and adjust or decrease the risk of them a little.

4. Continue saving as much as you can: From here to your retirement, you could be going through your years of higher income and greater potential for savings. Do not neglect your goal of continuing to save.

5. Think about making changes to your current lifestyle: If your children no longer live with you and you finished paying your mortgage, you could move to a smaller place, as it makes no sense to maintain such a large house just for you and your spouse.

6. Write your will: If you have postponed this task more than once, decide to write your will or update the one you already have.

7. Enrich your life with experiences and not with material goods: What do you remember most fondly: the experiences you have lived or the things you have bought?

Several investigations indicate that buying the best things or making a lot of money does not generate happiness. What will really give you an immediate and long-term satisfaction are the experiences: an afternoon with old friends, a trip with your grandchildren, and a picnic with your children. Organize your life priorities and try to live every minute fully, without investing much money in it. Financial tips outlined above will work a lot in your investment. With these financial tips, you can live well after your retirement life.

7 tips to flourish as a couple after retirement

7 tips to flourish as a couple after retirement

Retirement is a sometimes delicate stage. It can lead to separation or estrangement within the couple. In this new rhythm, each one finds himself and, sometimes, reinvents himself. Here are some tips so that retirement is a time of development for both first of all being plan F supplements by clicking this link 

Begin with a personal reflection:

First, professional retirement is addressed individually. As in any stage, it requires a personal internal interrogation. “‘What do you do?’ Is a common question in first conversations. But then, the day you retire, how do you define yourself? Retirement is a personal time dedicated to a reconversion. The most important thing is to leave the job calmly without remorse or resentment.

Take advantage of the opportunities to speak:

These moments together are an opportunity to talk. To renew the dialogue, you can remember the good times, the difficult stages, thank the other what you have done. It is also an opportunity to realize the happiness of having children and grandchildren, of feeling the next spouse. Memories, joy, forgiveness, are also important. Talk about mistakes, bring calm to the other, say things that have not been said. It is very relaxing and leads to kindness.

Make a new place in space:

With a more or less busy professional life, a couple is present intermittently and at different times at home. After retirement, usually, both are at home, facing each other. The couple must also find their place in space. In the house, for example, you can transform and reuse the children’s room. Everyone has their own universe and that’s fine. Some hobbies can be very invasive, so it’s best to preserve a minimum living space for each one.

Find a new balance:

In the life of a couple, who always has its ups and downs, retirement should not be addressed from the drama but neither should be neglected. The retirement represents new learning of the coexistence. Each had specialized a little, one perhaps did not have time before to run errands or children or escapades. What do we do now? How to reorganize daily life? The couple does not have to treat everything together. It is essential to have your own activities which represent the opportunity to do things and enrich the other.

Pray together:

Since there is more free time, prayer is also a way for the couple to meet again. It is necessary to calm down and free yourself from guilt. You can make a sign of the cross as a couple, read an encyclical from the Pope.

Ultimate health tips for age 65 and above

Ultimate health tips for age 65 and above

When you reach age of 65 changes occur in your body and you may need to be more careful about your daily routine. There are few tips to keep in mind for a healthy life style. Get 2020 comparisons for medicare advantage plans here

Why is it important to get adequate sleep?

Many adult people find it hard to sleep well or get adequate hours of sleep which make them feel exhausted and ill-tempered. Often elderly people are inflicted by insomnia due to irregular sleep pattern. Aged people need to stop infrequent daytime naps, make a proper sleeping schedule or routine and make sure they get back to bed regularly on the same time each night and wake up on the same time. People of age 65 and above can also try soothing intakes such as chamomile tea or warm milk before going to bad. This will help them feel better and go to sleep more easily without taking any sleeping pills.   

Getting adequate Vitamin D

Adult people need to fulfil requirement for Vitamin D. Going outdoors can help absorb Vitamin D. If vitamin D is low in body among aged people it can lead to pain in muscles or bones and higher risk of Type 1 diabetic disorders or greater risk of cancer. Elderly people have higher risk of physical challenges including rheumatoid arthritis, sclerosis and cardiovascular disease. Aged people of age 65 and above should spend at least 15 minutes outdoor. Spending time outside may also help improve body immunity system by increasing number of white blood cells. In addition to this absorption of adequate vitamin D helps in recovering faster from injury or illness. You can also consult with physician for getting a Vitamin D supplement.

Keep safety precautions

Keep caution for extreme cold or hot weather. People of age 65 and above are at increased risk for serious health issues. Elderly people need to make sure their home heating system is working properly.  Aged people have greater tendency to forget things and may suffer from memory lapse. This increases risk for household fires due to forgetting turning off fire stoves, putting out candles. Moreover aged people need to keep an eye on smoke level in their home or surrounding. Even if they do not smoke the possibility of nearby smoke emission such as chimneys, road traffic or spending time with smokers can increase risk related to health issues. Adult people may consider installing smoke detectors in their house that can detect level of carbon monoxide.

5 activities for retirees and pensioners

5 activities for retirees and pensioners

The lives of recently retired people change radically, they are outside the stress that naturally originates a job, they leave behind the pressure to get up at a certain time, they no longer face long transfers and they give way to a quieter lifestyle. Here we are presenting 5 activities for retirees and pensioners:

1. Recreation programs for retirees and pensioners:

Whether through a private institution or government, one option to consider is to enroll in programs for retirees or pensioners where they will have the opportunity to exchange experiences, activities, and culture. Among the activities that can be carried out are:

•    Enter workshops to carry out any activity that promotes their physical and emotional development.

•    Walks to various tourist places, which include lodging and food in most cases.

•    Visits to museums, exhibitions, plays, and conferences.

•    Physical activities to develop active aging.

Take into account that the costs will change depending on the institution to which you register. In the case of government, the vast majority of activities are free.

2. Self-employment:

Maybe one of the best options, because it implies putting all your work experience into practice at a pace of work imposed by yourself which will allow you to have enough time to do other things.

3. Give your hobby seriousness:

We all have a hobby that, for whatever reason, we could have given him more time but we did not do it: dance, paint, cook, practice a sport, etc. If this is your case, research about schools, workshops or sports where you can practice them. Doing so will benefit your mood and your physical health, and maybe your story will become a success story. Find info on 2019 AARP Medicare supplement Plans at

4. Get a job:

We are referring to a less demanding job that has nothing to do with the job that you just retired from. We refer to a cafeteria, a library or a museum, places that in addition to keeping you busy will make you feel useful and allow you to be in contact with many people.

5. Take care of yourself:

Being retired does not have to be a reason to “run away” from your home as long as you do not get bored in it. There are many things you can do and believe us, they will keep you busy: Do you have a garden? Fix it, clean it, plant some seeds and give it life. Search for some tutorials on the internet to make big changes investing little. Redesign each area of your home. Give yourself the opportunity to move the chairs, paint the walls and change the lighting, for example. Your house may look unrecognizable being a bit creative.