Few people want to work for their entire life. There’s too much to do in the world to be stuck behind a desk, but money is a very real concern for most. Fortunately, the saving tips below can help you to save early, invest wisely and retire earlier than you had hoped.
1.Say No to Debt
The enemy of retirement is debt. Get rid of credit cards and pay off debt as soon as possible. If you can reduce your debt significantly, you may better fund your retirement accounts.
2.The 25% Solution
How much of your income can you live without? If you can cut twenty-five percent of your costs and place that money in savings, you can retire much earlier than you might expect. If you can’t hit this magic number, don’t worry – but do save as much as possible.
It’s never too early or too late to start investing. Try to invest in low-risk funds that could help you stockpile money for later, but don’t be afraid of taking risks that can lead to huge rewards. Some small gambles may help you retire early.
Always make sure you have multiple investment sources. Fund your 401(k) as well as an IRA, and take the time to consider non-traditional investments as well. For example, you could become a silent partner in a business – it could help provide a monetary cushion.
5.Create Revenue Streams
One mistake many make is tying their futures to a single revenue stream. While your work income is great for living, it requires you to work. Creating separate revenue streams through developing online businesses or owning properties can allow you to bring in revenue that is separate from your traditional job. These revenue streams may in turn be used to feed your retirement fund or to provide you with post-retirement income.
When you move to a new area or have recently received new neighbors, it’s important to meet everyone. Forming friendships within a community can provide a sense of happiness and safety. When something goes wrong, you’ll know you have someone close to receive support from. Here are some tips that will help with the process of getting to know your neighbors.
1. Be Cheerful and Offer a Hand
When you see your neighbors, it’s smart to always smile and act cheerful. Whether you’re heading to get your mail or passing each other on the street, it’s nice to acknowledge each other with happy faces. If you see your neighbors struggling with heavy packages, you can offer to help carry the bags inside or hold the door. Small and helpful deeds are great ways to get to know the people who live nearby and let them know you care about them.
2. Offer Something Sweet
Everyone enjoys a tasty treat. Head into your kitchen or local bakery for some sweet treats to bring to your neighbors. It’s a great way to make a positive first impression. They may even invite you inside to share the sweet delights.
3. Host a Party
A housewarming party is a practical and fun way to meet the people in your neighborhood. By the end of the evening, everyone will know each other. We recommend keeping things casual and relaxed. A cozy atmosphere will make everyone feel welcome and at ease.
4. Join a Community Organization
Many neighborhoods have groups, including safety associations and recreational teams. Joining and attending meetings will help introduce you to the people who live in your community. Also, it shows you are interested in being a productive member of your neighborhood.
Getting to know your neighbors doesn’t have to be difficult. The above tips should help you introduce yourself and begin friendships that can last a lifetime.
More than three decades ago, cardiologist Dean Ornish made headlines with his claim that practicing yoga when combined with meditation and improvement in diet could help reverse cardiac disease. Since that time, researchers have found many other benefits that yoga can produce, especially for older adults.
Although starting a yoga program can be intimidating at any age, a gentle practice can be just the thing to add to your regimen to stay healthy. Don’t worry, your instructor won’t ask you to contort your body into a pretzel. What you’ll find instead, is that yoga will give you a boost of healthy tips for your mind and body, and it will make everyday a little easier. Here are some typical benefits that you will enjoy.
Movement Without the Strain
High intensity exercise programs can be difficult for older adults. Yoga is an excellent low-impact exercise because it recruits multiple groups of muscle fibers. It strengthens muscles, while limiting stress on the body that running or lifting weights yields.
Limited range of motion that comes with age makes older adults predisposed to falls and fractures. The stretches in many yoga poses can go a long way to help you maintain, and even increase flexibility. Stretching helps joints remain lubricated. In addition, yoga works parts of the body such as the spine that are essential for flexibility, balance and easy movement.
Boosts Mood and Sharpens the Mind
Yoga’s combination of breathing, meditation and slow movement is a natural mood booster, producing endorphins that elevate mood and reduce anxiety. Focusing on the breath and synchronizing it with movement keeps the mind clear and engaged, thereby keeping the brain sharp. Breathing exercises involving alternate nostrils can help harmonize the left and right hemispheres of the brain, exercising it as well.
Creating tasty summer meals does not mean spending hours standing over a hot stove. In fact, you can make healthy meals that require little to no cooking and get the nutrients you need to feel great and stay healthy. If you enjoy surfing the web, you can find tons of healthy recipes and tips to help you eat well during the summer. Make the most of your food dollars by finding summer recipes that use fresh seasonal ingredients.
Toss a Salad
If the term salad makes you think of iceberg lettuce and bottled dressing, think again. Salads don’t need to be boring. You can combine vegetables, fruits, nuts, and protein foods to make a salad that will fill you up, but not out. Start with a bowl of fresh greens such as spinach, romaine lettuce or a spring mix. Add cherry tomatoes cut in half, chopped avocado, dried cranberries, chopped scallions and sliced boiled egg, and you have a one dish meal suitable for lunch or a light supper. This salad has vegetables, a touch of sweetness from the cranberries, protein from the egg and healthy fat from the avocado.
Make your own dressing by combining two tablespoons of olive or canola oil, one tablespoon of vinegar, and one teaspoon of honey. Place these ingredients in a jar with a lid and shake well. Drizzle the dressing over your salad and you have a dish that a chef would envy.
You can also create a simple salad by combining apples or strawberries with chopped baby spinach. Add bite size pieces of leftover, cooked chicken and finish with a few chopped pecans or walnuts. Dress with a simple vinaigrette and enjoy. As an alternative to strawberries in this salad, you could use chopped apples or peeled and sliced peaches.
These are just a couple of simple summer recipes that will help you eat well while staying cool. Try them and they may become your favorites!