How to choose the best female and male digital watch

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This post is no longer live, but if you want to know more about financial independence, world travel and medical tourism, please visit our website.

Retire Early Lifestyle appeals to a different kind of person – the person who prizes their independence, values their time, and who doesn’t want to mindlessly follow the crowd.

Thank you!

 

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What if all US health care costs were transparent?

Jeanne Pinder

This is a woman after my own heart.

I wrote a post a while back asking how your life would change if you utilized the words “What If…?” In a positive manner?

The answers to our conundrums are often in the questions we ask, so Jeanne Pinder asked “What if all US Health Care Costs were transparent?

At first, doctors, billing offices and insurance companies balked at their audacity to ask such questions, and Jeanne mentions how she felt like she was breaking the law with wanting to know the prices of procedures and medicines. Some people hung up on her, others told her that their lawyers wouldn’t let them reveal their true pricing.

But Pinder’s company persevered. And the experience became liberating.

She found answers and data.

WOW!

This is where she went with her answer. It’s a must-see video. Click on the photo to watch.

 

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Will Medicare Cover Me Outside the USA?

Thank you for visiting the RetireEarlyLifestyle Blog!

This post is no longer live, but if you want to know more about financial independence, world travel and medical tourism, please visit our website.

Retire Early Lifestyle appeals to a different kind of person – the person who prizes their independence, values their time, and who doesn’t want to mindlessly follow the crowd.

Thank you!

 

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How a Mobile Tracking App Can Enhance Freelancing

Thank you for visiting the RetireEarlyLifestyle Blog!

This post is no longer live, but if you want to know more about financial independence, world travel and medical tourism, please visit our website.

Retire Early Lifestyle appeals to a different kind of person – the person who prizes their independence, values their time, and who doesn’t want to mindlessly follow the crowd.

Thank you!

 

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A Retirement Plan and Medicare Disability: What You Should Know

 

This post is no longer available. Thank you for your interest in our site! 

For more information on Financial Independence, World Travel and Medical Tourism, Please visit our website at RetireEarlyLifestyle.com

Thank you!

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Choosing to Move Forward – What Is Your Style?

When we realize that we have a choice in the style of moving forward, it makes all the difference in our world.

I was raised in the “pain and suffering” style and decided to choose something kinder for myself. What an opening of perspective!

How about you?

 

 

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Why You Want to Do the HeartMath Breathing Method

Have you heard of HeartMath.org?

HeartMath scientifically researches the chemical and electromagnetic link between our hearts and our brains.

In their extensive analysis, the scientists who work at the the Institute have found that the heart sends more information TO the brain than it receives FROM the brain. 

The research can be complicated, but simplified, when we are in a “coherent state” with our hearts, it is easier for our brain to function at optimal performance.

That means when you learn how to self-regulate your emotions with their very easy coherence exercise, you are less inclined to feel anxiety, fear, and anger. Your brain is much calmer and clearer to facilitate making decisions, to remember, or to take a test. This is a great technique to practice before attending an event that is stressful or before you want to have “that talk” with someone and it has you nervous.

Teaching our children this simple technique can also help them with athletic performance and to remain calm when needing to take an exam.

Here is a link to many of the HeartMath videos if you’d like to find out more intriguing information. HeartMath.org also offers courses, training and memberships.

 

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“Too frail to work, too poor to retire”

Ted Siedle, a former SEC lawyer who now runs Benchmark Financial Services, pointed to a “woefully unprepared” U.S. population.

“In the decades to come, we will witness millions of elderly American’s, Baby Boomers and others, slipping into poverty.”

This is because pensions are underfunded, a pervasive problem made worse by their inability to reach performance targets, which is typically set around 7%.

I read about this topic too often and it’s disturbing. The possibility of pension funds not being able to keep their promises to pay former employees would rattle anyone’s retirement. And if this affects the performance of the financial markets in general, then we are all vulnerable.

When planning for your life-sans-paycheck, your pension is one of the legs of the stool you rely on. Social Security and investments are two others.

None of us know the future, and we cannot prevent Life from bringing us challenges or change.

What can you do if your pension fund goes under, or severely cuts their payouts to you?

My purpose for bringing this up to you today, is to show you how you can take control of your future, regardless of your pension or what the markets might do sometime in the future.

In our books and on our website we discuss the 4 categories of highest spending in any household. I have been discussing the most expensive category – and that is Housing.

The 2nd most expensive category is Transportation, followed by Taxes and Food/Dining/Entertainment.

We have control over all of these categories through the choices we make. We can modify our choices to protect ourselves from future financial disturbances, and to give ourselves more financial room, should we find ourselves in a situation that becomes too expensive to maintain.

Do you know your Cost Per Day for your Housing category?

Paring down to a smaller home, moving to a state that is tax-friendly, moving overseas where cost of living is more manageable, renting out a room, a section of your home or a casita can bring in extra cash should you find yourself needing to supplement a pension that has gone sour.

Considering a roommate, or perhaps joining financial forces with your children to have an “in-law’s unit” built as part of their home so you have a place to live that is close to your family are also alternatives.

Living on a boat, utilizing an RV as your domicile, or choosing your Active Adult Community manufactured home as your chief domicile are also more affordable options than a 4-bedroom, brick-and-mortar home with the maintenance costs, insurance and high property taxes.

We’ll talk about the other categories of expense in the future, but the most important thing is to have your plan B – and to start thinking about that NOW, instead of having a disintegrating pension blow you out of the water.

Don’t limit yourself.  OPEN yourself up to your options. There are more of them than you think.

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What’s YOUR Favorite Excuse?

‘’I never knew a man who was good at making excuses who was good at anything else.’’ Benjamin Franklin

To attain goals, to move forward with our lives, to make necessary changes, we must drop our excuses.

Here are a couple of common excuses that keep us from attaining our dreams.

I’m too old…
I have more planning to do to get this done.
I don’t have the “right” tools to…
I don’t know how, I’m too busy, no one else has done it before…

Recognize any of these?

What’s YOUR favorite excuse?

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We had a spectacular housing situation, but my eyes refused to see it

When we retired in 1991 for a lifestyle of travel, our first stop was a 9-square mile Caribbean island named Nevis. Billy and I had an opportunity to help open the Four Seasons Resort there on that tiny island nation, and part of the deal was that we would have housing.

We found ourselves in a 4 bedroom, 2 bath house that belonged to the Mayor’s brother. Painted white on the outside, the front terrace was a blistering orange. When I walked up the steps and turned around, I had a view of 3 islands.

Our front porch overlooking the Atlantic Ocean

Sounds fabulous, right?

Except we weren’t renting the house romantically by ourselves, we shared it with other employees of the Four Seasons. Although we were only 38, most of the other employees were in their 20’s and seemed like spoiled kids to us.

The importance of housing

Ours was the smallest bedroom in the house but we had the privacy of our own bathroom, which was a plus. There were donkeys tied up right outside our bedroom window and they brayed at sunrise each morning to wake us up. And because the back door of the house opened to the sugar cane fields of Nevis’ jungle, we had cane spiders coming in to say hello from time to time.

These rust-colored, hairy spiders were the size of my fist and they had the unique talent of being able to jump a couple of feet of distance at a time!

This hadn’t been what I expected.

From our shaded back porch, Nevis volcano

But I was learning an important lesson which we would modify to perfection with the more practice we had and that is – Manage your housing costs and you can live just about anywhere in the world.

Buck up and quit complaining

The cost of housing is one of the biggest expenses in any household. While this particular setup might not have been my first choice, our portion of the rent was affordable and we had spectacular views of the Atlantic Ocean from the front porch and of Nevis’ volcano from the back. We had color TV, ceiling fans, all kitchen appliances, maid service and hot water in the showers.

A short walk to the end of the street brought us to cheap public transport and we could go anywhere on the island for less than a dollar.

Why was I complaining?

Looking back, we had a spectacular setup. I was simply shell-shocked from the massive changes to my personal life that I had gone through and I had yet to train my eyes to see the advantages of my surroundings.

GOR-jus tropical Nevis blue skies

Have you ever found yourself in a similar situation where your “eyes don’t see” the stunning opportunity you have in front of you?

Do you find yourself complaining instead of jumping into the adventure?

What kind of unique housing have you enjoyed?

Write to me about your experiences or make comments to TheGuide@RetireEarlyLifestyle.com

 

Posted in Adding Pizzazz to Your Life, Heart Song, Housing, Travel Tips and Insight | Tagged , , , , , , , , , , | Leave a comment