6 Ways to Improve Your Vacation Home

The current atmosphere in big cities and populated areas can make living in them suffocating. As such, this would be the perfect time to take a break and go to your lake or beach house. While you’re there, though, you might get bored if you have nothing to do. To help you get over that, why not make some improvements to make your stay more exciting?

There are a lot of things that you can do with regard to this objective, as well. You can do gardening, landscaping, interior design, adding a dock, and many more. You could even build floating structures that you can use to have fun over water if you want. Here are a few ways to improve your vacation home:


A lake or beachfront property that you use for a vacation spot will always be better with flowers, shrubbery, and other plant life. In the case of lakes, you will be surrounded by nature in the form of trees, grass, and wildflowers. Even with all of that, though, there is something magical about colorful petals and blooms.

They refresh the senses, clear the mind, and relax the body in several ways. Being surrounded by beautiful flowers can bring you joy and happiness. Their scents can trigger pleasant memories, as well. More than that, they make for excellent photo opportunities that you can then post on social media.

Gardening doesn’t take a lot of effort with the right methods, either. You can bring planters with you if you would rather not dig around in the dirt. From there, it’s a matter of grouping them together to suit your tastes.


Like gardening, landscaping is basically a way to give your lake or beach vacation home some character. It makes it stand out, even if the landscaping job is not that extensive. It doesn’t really have to be anything too big.

It can be pathways made of bricks, gravel, or stone, for example. It can also be a series of lines made from shrubs to create interesting and unique features. You can also tap into the power of landscaping in the form of elevated platforms.

You can DIY this project or hand it over to someone else. The former would be a lot more fun, especially if you are with the family. It would be something that you could all do while you are staying in the area.

Interior Design

If you would rather work on the inside of your vacation home, you can do that too. Changing the interior décor would be a worthwhile pursuit, for sure. The changes can be small, as well, so that you won’t be too stressed. At the same time, you will still be occupied.

You can start with little things like figurines, lamps, desk ornaments, or wall hangers. You could also go for curtains, windows, blinds, and more. If you want to go even bigger, you could also try removing sections of the wall to open the space up.

If your lake or beach house doesn’t have it already, why not install a patio and a French door?

Beach or Lakeside Improvements

If your property is right next to the water, then you would naturally have access to the shore. Typically, you should be able to walk right into the freezing depths if you want. If you would prefer, though, you could also make some improvements.

This can be anything from simple tables and chairs right by the water or a full-blown dock. This dock can then be useful for parking boats or for fishing. It could also be a good jumping-off point when taking a quick dip.

The choice would ultimately be up to you. What you are aiming for, however, is to give your beach or lakefront property more assets. For those who have morning rituals that involve coffee while watching the sunrise, a platform can be built. It can be right next to or over the water.

For the latter, you can always find a floating dock solution to help you out. With modular floating docks, you can build the platform yourself in a quick and efficient manner.

Floating Structures

Speaking of floating docks, you could also build floating structures on the lake or the beach. These can be used for holding barbecues, parties, or simple meals right out in the middle of the water. You could easily use the same modular floating docks if you want. Other than that, there are also several options that you can look into.

The great thing about floating structures is that they can be pretty much made out of anything. Empty water bottles, plastic drums, wood, and many more. On top of that, they can also be used to build anything, including campsites, stages, and even small houses.

You could even have a floating platform that contains flowers and plants for a literal floating garden. This would certainly be a unique project to have while you are on vacation.

Special Lighting

Last but not least, there is the option of installing special lights all around the property. This can work quite well with other ideas on this list. Special lanterns can allow you to appreciate the beauty of your garden even at night. They can also do the same with your landscaping project.

Battery-powered bulbs can even be installed on the dock or the floating platforms. Try to imagine how magical it would be when you see a cottage glowing in the middle of a lake.

Suffice it to say, doing this can make your vacation in your lake or beach home much more magical. It will even allow you to make better memories.


Vacationing in the house you own near the beach or the lake is great. With the right changes, additions, and improvements, though, you can make it even better. Very few things aren’t improved by the presence of a garden. Fantastic landscaping projects would also add value to the lake house.

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Ways to Make the World a Better Place for Your Grandkids

Anne Davis

The thought of making the world a better place can be daunting. However, if everyone simply did a single thing to make a difference, generosity, social responsibility, and untold acts of kindness would be happening – and that could be just what it takes to alter the world. 

What if making the world a better place could be done simply by making one small change? To that end, here’s a quick look at a few ways to leave the world better than when we found it for our children and grandchildren.

Sustainable Flossing

We all floss, right? At least, we’re supposed to. Why not do it more sustainably by using silk floss? Not only is the floss made from a material that’s 100% compostable, but the tube it comes in is also made from glass that’s recyclable. Using a product without the plastic floss and container means that even something as simple as flossing can be making the earth a better place. You can find sustainable floss and other products at any online Zero Waste store.

The Gift of Advice

We could all get some good things from the memories and advice of our forefathers. Give this gift to your children and grandchildren in the form of a legacy journal. Not only will you be passing down family stories and memories, but you’ll also be giving them life advice at the same time. Just think, if everyone did that, how much better could the world be?


Volunteering at a local school can also make a vast difference. Whether or not you have a child or grandchild in school, they’re the future of this world, as we all know. Spending a bit of time assisting them with reaching their total potential by taking part in one of their after-school programs, mentoring, or tutoring can go a long way towards improving the world of tomorrow.

Teaching Respect

Teach your kids to respect each other and our fellow man. Allow them the opportunity to consciously realize that each homeless person they see is, in fact, a human being. Through circumstances beyond their own control or even through the choices they themselves made, they wound up in the condition they’re in. However, they’re still part of the human race. Greet them warmly, say hello. This might bring a bit of healing to their heart and heal the world a single person at a time. Regardless of their social standing, treat everyone as an equal.

Go Easy on the Paper

If you still read a newspaper, read it online as opposed to having one delivered. Our forests are disappearing at a rate that’s alarming. Save them by using less paper. Send emails as opposed to letters. Use a map on your phone instead of printing one out to follow. Use reusable shopping bags as opposed to paper ones.

Finally, be generous and teach your children and grandchildren to be generous as well. It can be simple to be a bit selfish when it comes to our resources, money, and time. We tend to get a bit caught up when it comes to those societal expectations that are material-driven. Be a bit more generous and notice how things change. Just stop and listen as a friend tells you what’s going on in their lives, read to the kids at your library, buy a cup of coffee for someone. The chances are excellent that being generous will actually energize you and make you feel like you are making a positive change in the world around you.

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How to Create the Ultimate Backyard for Retirement Lifestyle

Outdoor cooking is a fantastic fair weather activity. If you’ve progressed from the occasional marshmallow roast all the way up to “grillmaster,” maybe it’s time to upgrade your setting. Here are some ideas for your new outdoor kitchen.

Practical Features

It’s important to maximize the usability of your outdoor cooking area. It will be disappointing if you can only use it when the weather is exactly perfect, so make design choices that allow your event to carry on, even if there’s a sprinkle of rain or a little wind. Proper covering will help you take advantage of less than perfect days, and extend your outdoor cooking season. A grill gazebo like Sojag has, lets you cook and entertain in any season. Gazebos are available from simple to elaborate, with or without side panels, and endless storage options. If weather isn’t a concern, a pergola offers a similar atmosphere to a gazebo, with a more open and airy presentation.

For saving space, a seating area can be incorporated into the food prep station. A series of bar stools at a marble or granite countertop give your guests a casually elegant experience, and the countertop can double as the food prep area until you’re ready to serve.

Do you already have a pool? Consider incorporating your outdoor kitchen into the pool area. Even if swimming season is over, the pool can serve as a scenic backdrop for your cooler weather gatherings. Possible ideas might include a BBQ cabana or poolside pizza oven. Or, if you want to get really adventurous, how about a swim-up bar adjoining a below-ground-level food and drink serving area?

Since you’re already running electrical power to your outdoor kitchen for appliances, you can add atmospheric lighting. LED fixtures draw minimal power, so be generous with fairy lights in the trees, ground level up-lights for splashes of color, and walkway accent lights.


The ability to refresh drinks without running into the house will keep your guests happy, and having immediate access to food ingredients makes the trip to the grill instantaneous. Keep the pace fast and save hundreds of steps with all your cooled cooking and beverage supplies close at hand. Choose a fridge that’s big enough for all the supplies you’ll need for larger gatherings. For self-service beer dispensing, consider a “kegerator,” which combines elements of a refrigerator and beer keg.

Grill Choices

Gas or charcoal? Why not both? A two sided grill offers the ability to use both methods on the same grill. You can also dedicate one side to meats and the other side to veggies and bread items. Short of buying two separate grills, this offers great flexibility.

Side burners are now considered a must-have, even for more modest BBQ grill setups. They are commonly found even on portable grills. A side burner lets you simultaneously cook multiple items that require different time and temperature. With hot dogs and burgers on the main grill, side burners can handle the baked beans and collard greens.

For keeping your cooked meats warm while you prepare large quantities for a big gathering, a built-in warming drawer is a great feature. Late arriving guests will especially appreciate this. And you can use it to warm rolls, tortillas, pita bread, or anything else that needs a little refresh.

Pizza Ovens

A wood fired outdoor pizza oven is a smaller option, but can still be an impressive backyard centerpiece. They can be built out of brick or stone, or for a more modest budget, portable units are also available. And they’re not just for pizza. A pizza oven is equally good for baking bread items, roasting meats, even grilling fish.


If you want to commit to a truly well-appointed outdoor kitchen, consider adding a sink and running water. Once the plumbing is in, a dishwasher is an easy add-on. And you might want that sink to have a garbage disposal, because why not?

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3 Fascinating Road Trip Destinations for Retirees: Which One Is for You?

Cindy Cummings

Retirees seem to find fun and enjoyment in road trips, as the study from MGMY’s Portrait of American Travels claims that from 2016 to 2017, road trips in the USA inflated from 22% to 39%. Some of the respondents are retirees, and it clearly shows their interest in traveling domestically together with their partners. Planning a road trip is fun, especially if you’re tagging along with the love of your life: nothing beats a vacation with someone important. So, if you’re preparing for a road trip and looking for ideas on where to go, these three fascinating road trip destinations below can help you.

Blue Ridge Parkway

The Blue Ridge Parkway features a lovely view of the Appalachian mountains. Along the way, you’ll encounter small towns, camping grounds, parks, wineries, and many other sites that will give you the feeling of rural freedom. On top of that, you’ll see many natural attractions like waterfalls, mountains, and rivers. The Blue Ridge Parkway is a perfect getaway for retirees who want to relive their romantic memories while enjoying nature’s embrace. It is nearly a total of 469 miles, so you’ll need a reliable vehicle like an SUV. Opting for larger vehicles can help ensure that you have enough space to pack everything you need without feeling cramped inside.

Route 66 

Now if you’re into the extended type of drives, trying cross country trips may be a great idea to consider. Route 66 is the perfect example if you want to see small nostalgic towns and a great view of the Grand Canyon. Route 50, also deemed as “The Loneliest Road In America” is also a great choice too. It features the small town of Lone Pine, Pyramid Lake, and an abandoned mining town in Berlin-Ichthyosaur State Park.

Miami to Key West, Florida

The ocean view from the Florida Keys Bridge can be soothing and relaxing, especially while driving. The scenery itself is enough to take all life’s stress away and make you remember the good old days. The road from Miami to Florida is 165 miles long, and it’ll take you up approximately three-and-a-half hours to cover the road. There are some interesting stops along the way too, like the Everglades National Park and the History of Diving Museum. There’s little to no chance that you and your hubby will get bored while driving from Miami to Key West, Florida.

Road trips can be fun, especially when you’re enjoying your retirement. These kinds of trips can be long and tiring, so make sure that you’ve thoroughly prepared everything you need before you embark on your journey. A well-planned road trip is sure to be an experience of a lifetime that you will never forget.

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Understand the Stock Market as a Senior Citizen and the Way Forward

Jane Brown

Understanding the stock market is crucial for seniors. Having a solid investment portfolio is the roadmap to achieving long-term financial independence. With the volatile stock market, you need knowledge on how to navigate the economy rapidly. You must make an informed investment decision, but then, what research can a senior do to understand the stock market more fully?

Learn about fraudulent trading

As a senior, you want to minimize all the risks that could lead to massive loss of profits, investments, and time. Begin by reviewing the insider trading definition.

As public companies strive to sell all their shares, investors are looking to make the most they can from dividends. With the unpredictability of the market, it’s difficult for stockholders to know when the securities will pick up or fall.

Although some traders rely on specific strategies and tools to make predictions, insider trading is often at fault. However, this is an illegal trading method as it puts some investors at an unfair edge over others.

Note that suspicion of insider trading may lead to investigations from the Securities and Exchange Commission (SEC). If SEC proves the case beyond a reasonable doubt, you may end up in jail, on probation, and paying hefty legal fees. So, as a senior, always aim for legal financial gain to avoid monetary penalties or even prison time.

Highlight your financial roadmap and analyze your comfort zone

Before making an investment decision, understand your financial situation to make a sound plan. This strategy will allow you to determine your financial goals and risk tolerance. If you can’t figure this out by yourself, consider enlisting a financial professional for help. Aim for an intelligent investment plan to ensure your future financial security. However, understanding this doesn’t act as a guarantee for a return-worthy investment.

On the same note, you should define your comfort zone since the stock market tends to fluctuate, hence, can be risky at times. Recognizing that you could end up losing part or all of your money will enable you to set a realistic financial horizon.

Understand the available mix of investments

A thoughtful investor considers various categories of assets to shield against massive losses. Some investments may move up, while others go down due to varying extraneous factors. Depending on the economic conditions, a certain asset category may perform extraordinarily as another makes poor returns. So, to counteract a significant loss, consider having a broad mix in your investments.

At this stage, you should analyze your asset allocation strategy to ensure you achieve your set financial goals. Your portfolio ought to reflect enough risk to give the investment adequate returns.

Before you hit your retirement age, you might want to venture into a lifecycle fund for decisive, diversified, and rebalanced asset allocation.

Differentiate individual and employer’s stock

Diversification is the key in investment as it allows you to lessen your risks, minimize losses, and level up the fluctuation effects. However, you shouldn’t sacrifice most of your potential gains while at it. Individual and employer’s stocks are the way to go for diverse investment. However, poor stock performance and bankruptcy are factors that could cause potential money loss.

So, make an informed decision before putting all your money on an individual or employer’s stock.

Consider dollar-cost averaging

This investment strategy allows traders to buy more stocks at a lower price and less at a higher price. Dollar-cost averaging enables investors to maintain a consistent trading pattern depending on the market conditions. Although strategic, it would be unrealistic to make a lump-sum investment annually due to market volatility. Try investing monthly or quarterly to avoid these fluctuations.

How and when to rebalance your portfolio

As a senior investor, you want to rebalance your investment portfolio regularly to ensure you buy low and sell high. Professional financial advisers recommend you conduct portfolio rebalancing in intervals, like semi-yearly or annually.

Regular market research will also guide you when the class of your stock reduces or increases beyond a certain point. In this case, your assets notify you when a portfolio rebalancing is essential.

Just because you are retiring, don’t allow the Wall Street guys to outsmart you. Take time to thoroughly analyze and review the stock market before investing even the smallest amount. Financial literacy will help you determine the potentially profitable assets and what classes to avoid. Create a realistic investment portfolio so that you can buy a stock at a low price and sell them at a higher cost to make more returns. However, be sure to avoid investments that will lead to fraud.

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5 Types of Emergency Loans That Could Bail You Out of a Hairy Situation

Anne Davis

No one wants to anticipate needing an emergency loan. Most people assume their hard work, preparation, investment strategies, and discipline will immunize them from life’s crazier accidents. 

However, accidents are by their nature unforeseen, meaning you can’t always predict them and you can’t always financially prepare for them. Even if you have a savings account, a costly injury or illness can zap that into nothing fairly quickly. It’s not pleasant to think about it, but you have to prepare for the possibility.

That’s when emergency loans come into play. Here is a list of the most popular and reliable types of emergency loans for when your world gets turned upside down:

Unsecured and secured personal loans

Personal loans of this type are essentially installment loans that you repay on a fixed schedule. Based on the type of personal loan, you will either have to put up collateral or have good credit. WesternShamrock.com describes emergency loans with a fixed repayment schedule that may be available for both good credit and bad credit borrowers. 

The terms will vary by lender but an unsecured personal loan is often used for emergencies because they do not require collateral and they usually come with fixed interest rates. Personal loans based on good credit history are typically easier to get, but you can also use collateral. 

Payday loans

Payday loans are also popular these days because they are easy to get as long as you can prove employment. However, payday loans are typically good for smaller loans, usually under $500, which keeps the risk of default low for the lender. 

So a payday loan may not be the right answer for an ongoing hospital stay that involves surgeries. However, a smaller emergency – for example, a car accident that requires you to get a rental for a few days – might call for a payday loan.

Credit card advances

Credit card advances are a type of loan in which you borrow against the upper limit of your credit card’s credit line. So if you go to your bank and they say that your credit card has a charging limit of $10,000 and your balance is $5,000, you may be able to borrow another $5,000 as a cash advance.

It’s important to note that credit card advances almost always involve higher interest rates and no grace period. As soon as you get the money, you start getting charged interest. As a result, this type of loan can easily be managed irresponsibly. A person on a gambling binge, for instance, may charge enormous credit card debts not realizing that the fees and interest are significantly higher than regular credit purchases. 

Car title loans

This type of loan is exactly what it sounds like: you borrow against the value of your car title. It’s good for people who might not have great credit but can use their car as collateral. Such loans range across the spectrum, as low as a few hundred and as high as $10,000. 

Such a loan usually carries high-interest rates and very short repayment timelines. Also, if you default on the payment, you can have your car legally taken from you. So borrow wisely. 

Pawnshop loans

Pawnshop loans are one of the oldest emergency loans because it allows someone in an emergency to use virtually any high-value object as collateral. Such loans are cheaper in terms of interest because if you default, the pawnshop owner just keeps your object for resale. 

Items taken to pawnshops range from watches, musical instruments, and guns to paintings, memorabilia, or family heirlooms. Pretty much anything with objective financial value can be pawned. 

You never know when an emergency is going to render you in need of immediate cash. You could be stranded in a foreign country without your wallet or cellphone. What would you do? You would need a quick emergency loan to get you back on your feet. The five loans listed above are a good start in such a situation. 

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Tips To Help You Protect Yourself From Elder Abuse During Retirement

Cindy Cummings

On June 15th every year, the world observes World Elder Abuse Awareness Day. Sadly, the World Health Organization estimates that 1 in 6 people aged 60 and older have experienced some form of elder abuse. Yet, only 1 in 14 incidences of elder abuse is reported.

For the U.S., this equates to more than half a million cases each year and millions more that are unreported. This indicates just how widespread the issue is amongst the retirement community. In addition to the potential physical and financial consequences, retirees who experience elder abuse can go on to have long-lasting emotional effects, making the dream of an easy retirement much more difficult. With the incidences of elder abuse rapidly climbing, taking steps to protect yourself during your retirement has now become a must to avoid losing your independence, financial freedom, and idyllic retirement dream.

Educate Yourself And Your Trusted Circle On What Counts As Elder Abuse

A large part of protecting yourself against elder abuse is recognizing the warning signs. Elder abuse can occur in a long term institution or even in the comfort of your own home. Social isolation and increased anxiety are some common signs of elder abuse so ensure you surround yourself with a strong, reliable support network in your retirement. Elder abuse can also take the form of physical, emotional, financial abuse, or neglect.

Get to know the signs of each category as they can look different in each case. For instance, physical abuse and neglect may involve causing bodily harm or failing to provide a basic standard of care like ignoring to help a senior with basic hygiene and tend to be common in nursing home abuse cases. Occurrences like these often leave these facilities vulnerable to a potential lawsuit, particularly if you can provide evidence so it helps to know what to look for.

Know Where To Turn For Help

Many incidences of elder abuse go unreported because retirees or their families do not know where to turn for help or the protocol for reporting elder abuse.

One of your first confiding points if you suspect you are a victim of elder abuse is to a family member or friend that you can trust. There are also multiple helplines available that are dedicated to protecting seniors as they get older including the Eldercare Locator helpline and a directory of state resources provided by the National Center on Elder Abuse.

Alternatively, you can call 911 to report a case of elder abuse.

Get A Financial Team In Place For Your Finances Post Retirement

One of the most common forms of elder abuse targeting retirees today is financial abuse. Around 1 in 5 seniors experience financial fraud or abuse. In fact, it is not uncommon to find scams and schemes targeting seniors due to their declining financial capability. According to the National Association of Professional Geriatric Care Managers, 71 percent of care managers say financial abuse is a growing issue.

At any age, having an expert financial advice team is a perk. As an investor, they are there to advise you on the feasibility and validity of investment options, or how to get the best return on your retirement portfolio based on your risk appetite. They also provide a needed sounding board for financial decisions such as investing in the popular financial scams targeting seniors like healthcare/insurance scams, funeral planning scams, or pyramid investment schemes. A great tip is to build on the relationship with your current financial teams like your banker or investment advisor. Since they have already successfully managed your finances and know your patterns, they can spot irregular activities.

You may also want to consider finalizing a legal guardianship. While you may not need it immediately after retiring early, it could come in handy later on as you enter your older years and find your ability to manage your finances or daily life diminishing. Having these legal boxes ticked while you are still able to make it much easier to protect yourself when you become vulnerable to elder abuse of any kind.

Like any other preparations you make for your retirement, take steps to protect yourself should be part of the preparation package. Keeping yourself and your finances safe is part of taking care of yourself in retirement and that involves protecting yourself from elder abuse. Build a strong support network, get familiar with what elder abuse looks like, and get to know where to go for help. Taking these steps sooner rather than later could make all the difference in the experience you have as a retiree, and with elder abuse.

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7 Perfect and Inspiring Ideas for Retirement

Jane Brown

Figuring out what to do, or what other retirees do, when retired will give you motivation and creative new ideas to consider when you retire. Many people believe that retired people just sit back and do nothing all day; however, that is the furthest thing from the truth. Below you will find seven alternative ideas of what people do when they are retired. Who knows, it might inspire you to do the same.

1. Watch Market Trends and Investments

Since you are planning to be retired or are already watching your investments and the market trends, such as OTCMKTS TCEHY, it is a solid way to maintain a structured retirement plan. It’s important to have something such as this set in motion for the duration of your retirement. In this way, you will learn a lot about current stock market trends as well as new opportunities for investments. This is a fantastic way to look towards the future for not just yourself but also your children’s children through investment options. You will learn a lot about finance through different shows or good blogs, as well as get a full understanding of the value of money.

2. Seasonally Relocate

Many people that are retired like to explore and travel the world because they get to do it through their working years. Retirement is a perfect time for you to explore relocation options and consider doing it seasonally. For example, if you have never seen holidays in the winter or out on the lake finding a location that has different weather developments is a fundamental plan to enjoy a few years or more in retirement. You can speak with other people that are retired to consider house swapping or finding temporary work environments while you seasonally relocate during your retirement.

3. Become Your Boss

Retirement is not just about watching the birds fly or curling up next to a fireplace. However those things are great to do during retirement, some retirees choose to go a different direction and create a self-sufficient company. Some retirees even take a few different paths to become an entrepreneur to keep their hands busy through retirement. You can open up service for your community or your area or even look into opening up a shop of your own.

4. Publish a Book

Writing a book can be an interesting experience as well as highly rewarding. If you are looking to keep your brain active and your inspiration at all high, writing and publishing a book of your own is one way to accomplish this task through retirement. There are many options that retirees can use to self publish old books or if you want to necessarily go down the technical aspects of publishing your works, you can still get your books traditionally published. Maybe you will have the next number one bestseller, you’ll never know until you try, and the best time to write and publish a book is during your retirement years.

5. Be a Teacher or a Consultant

You will still have skills as a retired individual, therefore, don’t let them go to waste. Becoming a teacher or a consultant on different topics or skills that you had through your working years is a sensational way to give back as well as keep you entertained for as long as you teach or consult others. There are plenty of opportunities that offer consultations or teaching opportunities where you can make your own decisions and curriculum to help involve the world.

6. Be a Jack of All Trades

Just because you retire does not mean you have to put your dreams on hold. Retirement years are one of the best years to learn new skills and try new things. Therefore, becoming a jack of all trades or starting a new skill set is a perfect way to keep your interest going through retirement years, as well as inspiring others to follow in your footsteps. This can be anything from hobbies to learning the plane instruments or educating others on the new skills that you learn.

7. Volunteer and Be Social

Every community is always looking for volunteers that are willing to give up their time and efforts to about different organizations. The retirement individuals who choose to go into volunteer work often have a higher level of health and well-being as it promotes you staying active physically and emotionally.

Short and simple, there are many things to do as a retiree. Retirement is a beautiful time where you get to choose what you want to do and are not obligated by anyone else’s timeframe. You can choose to pack up and travel seasonally, invest or watch market trends, or even go do a community outreach program. No matter what you choose to do, having a plan set forth is a wise decision for your retirement years.

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Life Insurance for Elderly with Major Health Issues

Generally, people think that their life shall be perfect before getting a life insurance. But is it necessary? Yes, there may be some conditions which disqualify you for life insurance but not all.

Also, many insurance policies providing aid with health issues don’t need you to have a medical examination and questionnaire about your health. So, don’t lay down your hopes; there are plenty of options available in the market.

What to Do During Serious Health Concerns?

In many cases of life insurance with health issues, it is possible. Some medical conditions require you to have a simple disclosure.

At the same time, some medical conditions require you to undergo special screening like an ECG or EKG, testing for tumors and, blood tests, and records of your prescription drugs.

You might also need to pay a higher premium for some special medical conditions and avoiding any medical exam is another option named as guaranteed acceptance life insurance, find more  at Seniors Life Insurance Finder.

Can Health Affect the Price Premium of Insurance?

Health is not the only factor used to determine your life insurance premium. Other factors are like the length of time you want coverage, the amount of coverage you need, your current lifestyle, and your age and sex are also important.

Different types of life insurance policies need different types of medical examinations and related questions.

They might check your current health status and history, family health history, all to assess the risk of your passing away prematurely. The rule is the lower the risk, the lower your premium.

What Kind of Health Conditions Can Affect My Ability to Take a Life Insurance?

Here is a partial risk of the health conditions that might affect your ability to take life insurance and increase your price premium size.

High Blood Pressure

1 in 3 adults has high blood pressure in America, calculating the size concerning population that’s more than 80 million, it’s one of the leading health issues presented by applicants.

High blood pressure increases your risk of heart disease, stroke, etc. So, your blood pressure may affect the number of your premiums.

But if you are efficiently managing your blood pressure, it could positively affect your risk assessment.

High Cholesterol

A prevalent health condition in the states, affects 1 in 3, diseases like coronary heart diseases, stroke, diabetes, and a plethora of others can be caused by it. If it is getting managed by a physician and an active, healthy lifestyle, life insurance companies often look favorably.

But the problem is high cholesterol generally has no symptoms. So it’s generally not found until tested, but if you know about it, discuss a treatment regime with a medical professional before applying for insurance.


Generally, people think that being obese makes you ineligible for life insurance. At the same time, it’s a fact that being obese puts person at large risks of heart diseases, high blood pressure, diabetes, strokes, and certain types of tumors and cancers.

It’s not impossible to get a life insurance policy if you are overweight. So, it is important to discuss with an agent and your clinician about the options. You might even get some low premiums!


Health is just not physical but also your mental health and it can lead to many other conditions like depression, insomnia, drug abuse. Also, this is treatable.

So, if you are managing your symptoms with a clinician and a therapist, you shall be considered fairly while seeking out the premium.

Diseases of The Heart

Worldwide, this is one of the prominent causes of death equally in both the sexes. As it’s chronic and sometimes hereditary, hence your company might need you to take an ECG and EKG series of tests to have a complete picture of your heart and its health. Your Risk Will be accessed using these tests.


Cancer serves to be a complicated genetic disease caused due to specific changes to the given set of genes in a single cell or a cell group. The given changes tend to disrupt the functioning of the normal cells– especially with respect to how the cell grows & divides.

Unlike normal cells, cancer cells are not known to stop growing & dividing. The given uncontrolled cell growth leads to the formation of the tumor. Cancerous cells have more genetic modifications compared to normal cells; however, not all changes cause cancer; they may be a result of it.

The genetic modifications that lead to cancer mostly affect three particular types: proto-ontogenesis, genes related to tumor suppressor, & DNA repair genes.

Cancer can be hereditary and carried in your genes from you to your offspring, so your insurance company will access its risk beforehand.

Acid Reflux Disease

It affects large amounts of people in developed countries. Untreated cases might also lead to breathing issues, Ulceritis, and Even cancer. Often it is easily treatable, too, so it is better to get it treated before getting life insurance.

Are There Any Other Types of Policies?

One thing to note is that even if you are denied one type of insurance, you can be eligible for many others such as the following:

Guaranteed Life Insurance

It is to ensure that after you and your children won’t have to pay your bills and credit and debit card and funeral costs, as long as your age is between 45 and 85, you can’t be turned down.

It’s permanent coverage so that it can last up to a lifetime, rates too are fixed for the lifetime. Payment is subject to verification by law.

Death and Dismemberment Insurance (Accidental)

This kind of policy is important to protect yourself and your family from getting injured seriously or killed in a case of accidental death. It’s for everybody, from flyers to drivers, and you will always be eligible until your age meets the criteria.

It’s not a life insurance policy, but it’s still better than none and has faster approval and pay times compared to others.


It is recommended for you to remember whatever life insurance you take, always be transparent and truthful to your agent and company.

It will help you a lot in getting the perfect insurance and payout in times of dire need and emergencies.

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Do you have an Inner Hooligan busting to get out?

Wearing Hoo-rag gear while fishing

What do kiteboarders, motorcycle riders, marathon runners, skiers, members of a SWAT team and anglers all have in common?

They all Hoo-rag

Protecting themselves from surrounding harsh elements and the sun’s ultraviolet rays, these Hoo-rags are part of their wardrobe.

How to Hoo-rag

Wearing it on your head as a scarf, face covering or bandana is all the protection you need.

Get smart.

Enjoy your passions and your careers but don’t let nature take you down. It’s easy to over-sun or have the wind rob your face of moisture. Cold weather fleece bandanas will shield your face from the snow and tactical bandanas prevent the inhalation of unwanted dust and debris in the field.

The perfect biker bandana, the Hoo-rag keeps dirt and bugs off your face

Headbands work great for marathons and running events, or a yoga or gym workout. With the wick-away-moisture feature, this is one sports headband that stays in place and won’t slip or slide around while you complete your active exercise routine.

The Hoo-rag as a headband

The Hoo-rag can be worn over 10 different ways – From a face mask, a neck gaiter, a headband or as a beanie, your active life can command style.

Protect your arms from the sun

Whether you are hiking, running, hunting, fishing or working, keep your arms protected. Hoo-rag’s Compression Arm Sleeves are made with technical performance grade Polyester Microfiber.

Performance leg sleeves

Their leg sleeves are perfect for runners looking for both a stylish and functional leg sleeve that can decrease recovery time and help your legs feel better while putting in the miles. With over 40 fun patterns to choose from, you’ll easily find some that will work for you.

No age limits!

Enliven your life! No matter what your circumstance, have some FUN!

Kids, Grannies, enlisted military, and athletes all wear the Hoo with pride.

Perfect for businesses on which to place their logos for endless advertising opportunities. Customize your product to suit your needs.

Be a renegade! Let your Inner Hooligan have expression and get in on the fun!

Hoo-rag today!

Posted in Adding Pizzazz to Your Life, Health | Tagged , , , , , | Leave a comment