Did you know that apparently only 4% of retirees claim their Social Security benefits at the optimal time?—according to a study by United Income. And because of that timing issue, people are missing out on an average of $111k per household! So let's break it down and figure out how you can make sure you're getting every single penny that's coming your way when the time comes. Are you ready for this?

Believe it or not, social security is more than just a retirement fund. It also provides financial support for those with disabilities. However, like most things in life this too has imperfections but that shouldn't deter anyone from understanding the process. Disability judge approvals vary greatly depending on factors such as region or even the individual judge. These disability approval rates can range from 34% all the way up to 81%! What's often not talked about are inconsistencies which could potentially leave deserving individuals without much-needed assistance. So what should you do if this were to happen? As the saying goes "two heads are better than one"; consulting with a knowledgeable attorney or advocate who specializes in social security and disability law can make all the difference in ensuring you receive proper guidance throughout this often-confusing process. Also gathering thorough documentation of medical records, work history and other relevant information can greatly impact their chances of approval. So make sure you're well-prepared with everything needed for your application—this is definitely a #1priority! And there’s one more step: believe it or not; many initial applications are denied due to inconsistencies or missing information—but don't lose hope! If you genuinely believe you're entitled to benefits; it's important to appeal any unfavorable decisions made by a judge. Remember—an obdurate spirit often leads to success!

When it comes to claiming your Social Security benefits after retirement many still wonder just how on earth they can ensure they're making the most of what they've contributed over their working years. This is why it’s true that waiting until your full retirement age—or even later—can actually lead to higher monthly payments. Some were surprised when learning that if they delay taking their benefits past full retirement age; payments increase by approximately 8% per year until age 70!

As the saying goes "health is wealth" henceforth healthcare options become vital during our golden years. From Medicare Part A (hospital insurance) all the way through Part D (prescription drug coverage); understanding your options and selecting plans best suited for your needs becomes #1priority. Don't be flabbergasted by the seemingly overwhelming array of options; instead, take your time and do your research to ensure you're well taken care of when it matters most.

​What was a total surprise is that being proactive about understanding benefits and welfare after retirement can truly make all the difference in securing a comfortable future for ourselves. When you think about it; taking charge of our own financial well-being in our golden years augurs well for leading happy, secure lives. And that's something we all deserve!

Flower arranging, as a hobby, is all about creating beautiful designs with a variety of flowers and foliage. It's an engaging activity that lets you unleash your creativity. For retirees, this can be especially appealing.

In this piece, we shall explore the various benefits the activity can bring to a person in retirement, including how it can promote relaxation as a hobby.

Having time on their hands, retirees can dedicate themselves to learning new techniques and experimenting with different floral styles. This delightful pastime endeavor promotes relaxation too. As they work with nature's gifts and immerse themselves in fragrances and color combinations, stress seems to fade away.
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Furthermore, flower arranging offers the joy of accomplishment when stunning arrangements are put together. Retirees can also share their creations with loved ones or use them for home decoration, adding a personal touch to their living spaces.

Embracing the art of flower arranging can offer a plethora of benefits for retirees, ranging from improved mental health to enhanced social connections. Among these perks include the fact that it:

• Promotes relaxation: Working with flowers helps reduce stress and promotes feelings of tranquility through their natural beauty and gentle scents.
• Enhances creativity: Flower arranging encourages the exploration of different designs, colors, and textures, tapping into your inner artist.
• Fosters social connections: Joining flower-arranging groups or workshops provides opportunities to meet like-minded individuals, creating new friendships and connections while at it.
• Improves mental well-being: The activity stimulates cognitive function by exercising problem-solving skills and creative thinking processes.
• Boosts self-esteem: Successfully creating eye-catching floral arrangements brings a sense of accomplishment and pride in one's work.
• Encourages physical activity: Handling flowers involves movement, from selecting materials to arranging them artfully, making it an enjoyable form of gentle exercise.
• Beautifies living spaces: With self-made flower displays, retirees can add a personal touch to their homes while also enhancing the ambiance with nature's charm.
• Offers gift-giving opportunities: Hand-crafted floral creations make thoughtful and unique gifts for friends, family members, or fellow community members on special occasions or as tokens of appreciation.

It Engages The Senses and Promotes Joy
One reason flower arranging is so relaxing for retirees is that it engages their senses in the most delightful way. The various colors, scents, and shapes of flowers and foliage elicit pleasant emotions that calm the mind and soothe the soul. For example, working with colorful tulip arrangements can bring joy through a vibrant palette that's pleasing to the eyes as much as it is to other senses.

Natural Stress Relief 
From a scientific perspective, research studies and interviews with aromatherapy experts have shown that certain fragrances emitted by flowers, such as lavender or jasmine can naturally reduce stress and anxiety levels. As retirees spend time arranging flowers and exploring different floral combinations, they unconsciously expose themselves to these soothing scents. This exposure promotes relaxation without even realizing it's happening.

It’s A Mindfulness-Promoting Activity 
Moreover, focusing on merging textures and colors requires a level of mindfulness that directs attention away from potential stressors or worrisome thoughts. By being fully present in the moment while creating visually appealing designs, seniors enjoy an activity akin to meditation – helping them find inner peace and tranquility.
Finally, accomplishing stunning floral compositions gives retirees a sense of achievement which builds self-confidence and offers emotional satisfaction. In combination with the soothing effects of nature's beauty and fragrances, flower arranging becomes an ideal hobby for seniors who seek a relaxing pastime that nurtures their well-being.

Catching the early warning signs of hearing loss could make all the difference in effectively managing this common yet often overlooked health issue. By learning to identify subtle changes, you can take proactive steps to maintain a higher quality of life and prevent further deterioration. 

In this article, we highlight ten warning signs of hearing loss that you might not even notice at first. Familiarizing yourself with these symptoms can empower you to seek professional help.

To educate yourself further on hearing loss, begin by conducting research online for reputable sources and organizations such as the American Speech-Language-Hearing Association (ASHA) or the National Institute on Deafness and Other Communication Disorders (NIDCD). 

Additionally, you can reach out to your healthcare provider or an audiologist for professional advice. You can also check out blogs, like Hearing Research, for more information on hearing loss. Remember, early detection is crucial in managing hearing difficulties effectively.

Hearing loss can be a scary experience to go through, but if you notice the following early signs, you can protect yourself. Here are 10 warning signs of hearing loss that often go unnoticed. 

1. Muffling of Speech and Sounds
   If you notice that speech and everyday sounds seem muffled or unclear to you, this could be a subtle indication of hearing loss. However, it may just be that your loved ones are speaking quietly. But if it seems like other people can hear them, you’ll need to get your hearing checked.
2. Trouble Understanding Words in a Noisy Place
   Another warning sign is struggling to distinguish words or follow conversations when there's background noise, such as in crowded restaurants or noisy gatherings. When a bunch of noises seem to meld together and become incoherent, consider speaking to an audiologist. 
3. Trouble Hearing Letters That Aren’t Vowels
   Even with mild hearing loss, vowels are usually easy to understand. However, non-vowels are difficult for people who are losing their hearing. For example, if we consider that it's challenging for you to discern consonants like "s" or "f," it may signal the onset of auditory issues.
4. Asking People to Speak More Slowly or Clearly
   If you find yourself frequently asking others to repeat themselves, speak slower, or enunciate more clearly, this might be a sign of declining hearing sensitivity. Once again, some people just speak more quietly, so you’ll need to pay attention to how other people react to their speech. 
   
5. Needing to Turn up the Television or Radio
   An increase in volume for TVs and radios far beyond what others deem comfortable might indicate trouble hearing those lower volumes. If you’re listening to the television or radio at maximum volume and it still isn’t loud enough for you to hear, please speak to a doctor.
6. Avoiding Specific Social Settings
   Seniors should take regular vacations and develop a large social network to stay happy after retirement. But, If you start avoiding social situations where communication is essential due to difficulty hearing, this can be indicative of hearing loss that needs attention right away.
7. Fatigue After Social Situations
   Experiencing mental exhaustion after lengthy interactions could be due to the strain on your brain from attempting to decipher unclear speech and sounds constantly. If you feel like you need to take a nap or prefer to be alone after a social gathering, don’t hesitate to make an appointment.
8. Being Bothered by Background Noises
   If background noises become increasingly frustrating and cause discomfort while trying to focus on conversations, it may signal an issue with your auditory processing capabilities. Your brain may have issues telling the difference between background noise and foreground noises. 
   
9. Ringing in the Ears (Tinnitus)
   While tinnitus does not inherently mean hearing loss has occurred, experiencing ringing sounds without an external source can be a common symptom accompanying diminished auditory function. For this symptom to be considered a problem, the ringing has to be constant.
   
10. Speaking Loudly to Hear Yourself
    Altering your speaking volume in an attempt to hear yourself better may be both a sign and response to difficulty hearing in various situations. If loved ones are asking you to lower your voice or if they flinch when you talk because they’re surprised, you may be yelling loudly. 

Technology is vital to the success of any organization today. It helps simplify tasks, facilitate business processes, and maximize efficiency.

However, to fully tap into the benefits of technology, you must stay updated with the latest industry trends and ensure your employees are comfortable working with the new tools. Achieving that can be challenging at a time when technological changes are happening faster than ever.

But worry not. This article will provide several tips on staying comfortable with the latest technology in the workplace.

Employees are more likely to feel comfortable working with technologies designed specifically for their industry and job role. For example, companies in the human services sector will benefit from choosing human services software solutions.

Specialized software streamlines processes, automates repetitive tasks, and ensures compliance with industry regulations. As a result, employees enjoy simplified workflows, data accuracy, and seamless collaboration. 
When looking for software, prioritize user experience, customer support, and affordability. An excellent way to find this information is by reading customer reviews and seeking feedback from other industry experts already using the software.

​New technologies keep emerging to offer solutions to the ever-changing business challenges. So, you must closely monitor industry trends to maintain a competitive advantage and adapt to new 

Fortunately, you can find information about technological trends from various sources, including industry-specific publications, both in print and online. These publications often feature articles, case studies, and interviews with experts.

In addition, it's vital to establish good relationships with technology vendors and consultants in your sector. These experts can provide valuable guidance and insights into the latest technological developments and how they can be tailored to your organizational needs.

​The workplace will only be comfortable working with the new technology if everyone on board understands how to use it. An ideal way to achieve that is by investing in the necessary training and support.

Training can take various forms, depending on the complexity of the technology and specific employee needs. For instance, hands-on workshops led by experts could enable employees to explore the features and functionalities of the new technology in a practical setting.

You could also encourage your workforce to sign up for online training courses and leverage free tutorials, allowing them to learn at their own pace. Many e-learning sites offer platforms that feature modules, videos, and assessments to guide individuals through the learning process quickly.

​Most people find it challenging to work with unfamiliar tools. Fortunately, you can avoid this problem by assigning your team a mentor. Mentors can help the staff navigate technology logistics and point out improvement areas.
 
In addition, mentors provide emotional support and reassurance to new users. They can empathize with the challenges and frustrations that arise during the learning process, offering encouragement and advice on overcoming obstacles.

When assigning a mentor, select someone knowledgeable and experienced with the technology being implemented. They should be able to provide practical insights, answer questions, and offer real-world examples of how the technology can be used.

​Technology audits comprehensively assess the organization's current technology infrastructure, software applications, hardware devices, and systems. This evaluation helps identify outdated or underutilized tools that may hinder employee comfort.

During the audit, organizations should assess the effectiveness and suitability of the technology. This involves evaluating factors such as performance, user-friendliness, compatibility with other systems, security measures, and scalability.

Employee feedback is also vital during the auditing process. Organizations can use this information to identify areas of improvement and find appropriate solutions.

Seniors that take care of their dental health are less likely to develop Alzheimer's disease, gum disease, and heart disease. However, a recent study from Harvard University has found a direct link between seniors qualifying for Medicare and a drop in dental care. They discovered that Medicare eligibility resulted in senior restorative dental procedures reducing by almost 9%. So, why are seniors avoiding the dentist in their later years and what options do they have?

When seniors become eligible for Medicare at 65, they don’t get financial help for dental treatment. An alternative is dental insurance, but this comes with an average monthly price tag of $51.49, which a lot of seniors can’t afford. Many seniors think they have no other options so skip the dentist altogether, but this isn’t necessary. One alternative is to choose a Medicare Advantage plan that comes with dental coverage. Although, it’s important to note that the dental care covered will vary per plan, so this should always be checked in full. 

​The Harvard University researchers also found that when seniors started to receive Medicare, the number of them that experienced complete tooth loss rose by 4.8%. What’s shocking is that 17% of seniors over the age of 65 have lost all of their teeth. Tooth loss is connected to poor nutrition, cognitive impairment, and dementia. Regular visits to the dentist can prevent tooth loss in aging individuals. Tooth loss is usually caused by periodontal disease. Although, your first loss may be the result of an untreated broken tooth, dislodged tooth, cracked tooth, or a lost filling. If you experience any of these issues, an emergency dentist can help to save the tooth. This will hopefully prevent further tooth loss in the future too.

On the plus side, Harvard University didn’t find that Medicare lowered the number of dental checkups seniors had. This shows a keenness from seniors to look after their teeth. Attending these appointments is important for prevention. Brushing twice a day with fluoride toothpaste should also be prioritized. And, if you do need treatment, don’t avoid it, look into free senior dental programs in your area or see if a dental savings plan can help you.

Unfortunately, typical Medicare plans don’t help seniors with their dental care fees. But you must remember that looking after your dental health is vital for preventing a whole host of medical issues.

​Keeping your finances on rein is challenging, especially if you've retired. You foresee that generating income will become slimmer by the day. By then, medical bills may pile up, and healthcare fees may become unmanageable. 

But you can always prepare ahead. You can do many practical things to financially control your medical bills.

1. Enroll For Medicare
Medicare is a health insurance program provided by the federal government for individuals who are 65 years and older. The program covers a range of medical expenses that you may encounter during retirement. It also covers preventative services such as wellness visits, screenings for chronic conditions like diabetes and cancer, and flu shots.

Medicare enrollment can be a practical way to lower medical expenses as it subsidizes a portion of your medicine or hospital bills. Enrollment for Medicare is available three months before your 65th birthday. Its coverage will begin on the month of your birthday.

Medicare is supported by payroll taxes and premiums from enrollees. It serves as a crucial support system for older Americans, which can help them manage healthcare expenses and maintain their well-being during retirement. It's a good way to help manage your money matters when you retire.

2. Take Supplemental Insurance
It will be best to take some supplemental insurance to ensure that you get every medical expense covered. Attending a Medigap Seminar can be a great resource. It'll introduce you to the many advantages of having insurance to supplement your Medicare.

These seminars provide information about the ten standardized Medigap plans, their benefits, and how they can cover medical expenses not covered by Original Medicare. Due to the increasing cost of healthcare, it's essential to explore all possible options for managing medical expenses during retirement. 

Medicare and Medigap Seminars provide valuable information and resources to help you make informed decisions about your healthcare coverage. You can ensure financial security and peace of mind with Medicare and Medigap plans. There's assurance in knowing that some of your medical expenses in the future are covered.

3. Get The Medicare Advantage Plan
A Medicare Advantage Plan is one type of health plan offered by private insurance companies as an alternative to Original Medicare. It can provide you with comprehensive coverage for medical services. This assistance includes prescription drug coverage with additional dental, vision, and hearing care benefits. 

With a Medicare Advantage Plan, you agree to use the plan's network of healthcare providers and services. It can help lower your out-of-pocket healthcare costs. This plan may also offer cost-sharing programs and incentives for preventative care, which can help save on your medical bills in the long run. 

Medicare Advantage Plans can be a practical option for managing medical expenses during retirement.

4. Shop For Medical Coverage
Shopping for healthcare providers can help you avoid financial crises by reducing medical expenses when you retire. By researching and comparing prices for healthcare services, you can identify providers who offer the best value for your money. 

Good medical coverage can help you save on medical bills and avoid unexpected expenses leading to financial strain and stress. 

Also, choosing in-network providers accepting Medicare can further reduce your healthcare costs. These providers agree to receive the Medicare-approved payment rate for their services. By actively managing your healthcare expenses, you can maintain financial stability and avoid financial crises during retirement.

5. Maximize Telemedicine
Telemedicine is a system that provides healthcare services to patients through technology, like videoconferencing or the telephone. It enables you to connect with healthcare providers remotely. You may receive medical care and advice from your medical professional from the convenience of your home. 

Telemedicine will reduce your need for in-person visits to healthcare facilities. It's conducive for retirees with limited mobility or remote areas. It can also reduce medical expenses by eliminating transportation costs, hospital stays, and expensive medical equipment. 

Telemedicine allows you to access high-quality medical care while keeping healthcare costs low.
6. Open A Health Savings Account
It's better to overly prepare for your advanced age than panic when funds are low in the future. You can now open a Health Savings Account (HSA) to start your preparations. HSAs can be an excellent way to keep your retirement medical costs low. 

They're tax-advantaged savings accounts that can be used to pay for qualified medical costs like deductibles, copayments, and prescriptions. By putting money into an HSA while still in the prime of their years and working, people can build up a fund to pay for medical costs in retirement. It will also help keep your out-of-pocket medical costs low. 

Also, contributions to HSAs can be deducted from taxes, which can help retirees lower their taxable income and total tax bill. Overall, HSAs can give you peace of mind and financial security when managing healthcare bills during your golden years.

7. Buy Generic Drugs
Using generic drugs can significantly lower your medical bills during retirement. Generic drugs are copies of brand-name drugs made with the same active ingredients. They undergo the same rigorous testing and approval processes as their brand-name counterparts. 

These generic medications, however, are sold at a much lower cost. It can help retirees save money on prescription drug expenses, which can be a significant part of their healthcare costs during retirement. 

Additionally, many insurance plans offer lower copayments or coverage with no copayments for generic drugs, making them even more cost-effective. By using generic drugs, retirees can maintain their health while keeping their medical bills low.
Bottom Line
Keeping your health physically and financially is your best goal, especially in your later years. It may sound daunting, but you can do your best now. Check out all the options here and the links for further insights.

Avoid getting stressed thinking about the future. Save and manage your finances from today onwards.

​No matter your age, getting ready for retirement is a wise move. You will retire at some point, even if that seems far away from now. Taking a few steps to prepare will help you increase your account balance

One of the best ways to save more for retirement is to reduce fixed expenses. If you still have student loans, you might consider refinancing them to reduce your expenses. This can help save on interest. But if you don’t have good credit, the process isn’t that easy because of the credit check before you can be approved. The good news is that even if you do not qualify for this option by yourself, you do have other options. You might be able to use a federal repayment program or get a cosigner with better credit. If you want to know more, you can look at a guide with more information on how the process works.

One of the things to keep in mind when saving for retirement is the physical location you plan to be retired in. Several states in the US, including Texas, New Hampshire, and Florida, do not have state income taxes, making them an appealing retirement location for many. Before you decide to move, however, take some time to evaluate the taxes your potential new home state has. Even though earned income is not taxed in New Hampshire, you will likely face taxes on income from interest and dividends.

You don’t have to sit around doing nothing as soon as you quit your day job to retire. Even if you just have a small side hustle, earning some self-employment income can help you pay for expenses during retirement. Since your overall income will likely be lower in retirement, your self-employment income will likely be taxed at a lower rate. However, that doesn’t mean you can't get a side hustle now as well. Even a little extra income can help you contribute to your 401(k) plan. You can often contribute even more if you are age 50 or older to catch up on what you need to save.

Healthcare costs are increasing exponentially, and high deductible health care plans are becoming more popular because of their lower premiums. If you have this type of health care plan, you likely have a health savings account tied to it, which your employer may contribute to. This account can help you with more than just paying for medical expenses. It can also be an excellent tool for planning for retirement. 

It can help you pay for your healthcare expenses during retirement as well. Your contributions to the account are usually tax-deductible, and if you don’t use the expenses for your medical expenses, you will be able to let them keep increasing over time. When you reach a certain age, you may be able to use the funds for more than just medical expenses, but make sure you research the regulations in your state.

Financial issues are a significant source of stress and anxieties for millions of individuals and their families across the world. From feelings of helplessness, to shame and depression, financial stressors undoubtedly take their toll on mental health, often leaving lasting scars in the process.

Reeling under any kind of stress for prolonged periods can manifest into physical symptoms, such as migraines, hypertension, breathlessness, and even panic attacks. This makes it pertinent to educate people on the various measures and mechanisms to adopt while going through such difficult periods.

In this article, we uncover the broad, lasting effects of financial stress, along with various tips, tricks, and best practices for effectively dealing with the same.

According to a survey by the American Psychological Association, at least 72% of Americans report feeling stressed out by finances at some point in their lives. 
While short bouts of stress are perfectly fine, helping us become more resolute even, the same can cripple us to our knees, draining us both mentally and emotionally when it persists for extended periods of time.

It has been long established that people who struggle with debt and other forms of financial stressors are at a significantly higher risk of suffering from depression, anxiety, and a slew of other illnesses that often further impairs them from getting their finances under control.

The worst possible way in which debt impacts our psyche, is through feelings of shame and guilt, with being stuck in debt often considered to be tantamount to failure in most societies. This, however, is far from true, as almost everyone goes through this phase during the course of their lives.

If you are struggling with debt, and feel it affecting your mental health, the first thing to do is consult a mental health professional. With the right treatment, either with medications, or just therapy, you can keep your health from deteriorating further, leaving you unable to work towards a solution.

Next, make sure to seek support from friends and family members, and even if they cannot help you out financially by relieving you of some stress, they can definitely offer some much needed emotional support to get you through a difficult period.

Beyond these, there are a few practical measures that can be taken to leave you better off financially, at least in the short-term. This includes negotiating with creditors, taking financial counseling, and even debt consolidation loans, so that you won’t have to deal with the stress of multiple creditors.

None of these are magical remedies that can make your problems go away, but they can provide you with much needed respite, so that you can take stock, and get to work, instead of sinking under high levels of stress, frustration, and mental trauma.

Mindfulness is essentially the practice of cultivating an awareness of the present moment, without any judgment or distractions. As it so happens, the root cause of all stress is worrying about the future, or fretting about the past, neither of which help work towards a possible solution.

The practice is particularly helpful for people struggling with depression and anxiety, ridding them of intrusive thoughts, and providing much needed clarity and focus during stressful times.
Mindfulness adds value in a number of other ways, from helping people stay attentive and mindful when spending money, to not giving into impulse purchases, which is how most people end up in debt. The practice further aids in keeping people focused on their goals, providing a great sense of financial control and security.

There is absolutely nothing shameful or embarrassing about struggling with debt, or going through a prolonged period of financial stress. As discussed above, it is just a phase that everyone goes through while they aim high and try to uplift their financial positions.

With the right advice, practices, and steps, most individuals can emerge from even crippling debt unscathed, before setting their sights on the promised horizon of financial freedom.

Retirement is something we all look forward to. Making the most of it is essential as you have ample time to fulfill your wishes, travel, and engage in activities you never had time for during your working years. Nevertheless, it's vital to start preparing as soon as possible to make the most of your retirement. Here are five vital things you must remember to set yourself and your retirement up for success.

​To ensure successful retirement savings, set achievable goals. One effective approach is calculating the required monthly savings amount and striving to meet that goal. When crafting these goals, consider your financial situation, income, expenses, and lifestyle. Monitor your progress regularly to make necessary changes to your plan. If a large expense arises or you lose your job, you can adjust the goals accordingly. Having clear-cut objectives will help to keep you on track and motivated.

​Starting to save early gives your money more time to grow and multiply over the years. Compound interest is a powerful tool that can make your money work for you, allowing it to bring in even more earnings. Even if you only set aside a small amount each month, those contributions can increase significantly over the years. Building up a sizable nest egg can be more challenging if you wait too long and your retirement is just around the corner.

​Ensure you have a trustworthy and stable investment portfolio by spreading your funds across various assets such as stocks, bonds, and mutual funds. It reduces the risk of losing money due to market volatility or other unforeseen circumstances. If you qualify for ERISA benefits in New York and require assistance safeguarding your rights and benefits, contact an ERISA lawyer New York. These legal professionals specialize in navigating the complexities of ERISA law and can help ensure you get what you deserve.

Avoid dipping into your retirement savings, even if it seems convenient to solve a financial emergency. Taking out money from your nest egg before retirement can have severe financial consequences. Not only will you be required to pay taxes and penalties, but the lost investment returns can significantly reduce your overall savings. If you need extra cash, looking into other options like personal loans or part-time work is best instead of raiding your savings. Additionally, building an emergency fund to access money is vital in case of an unexpected financial surprise.

By taking advantage of this plan, your retirement funds can accumulate faster than your own savings. Having contributions deducted from your paycheck can help you adhere to a specific budget and avoid being tempted by other expenses. Additionally, most employers offer matching contributions when employees participate in their 401K plans, making contributing even more beneficial. Understand how much your employer will contribute and how much you need to add monthly to maximize this benefit. 

Starting retirement planning early is essential for achieving financial security. Set goals and make regular contributions to ensure your retirement savings are well managed. Additionally, protect your funds with a diversified portfolio and look into employer-sponsored plans if they are available. Avoid dipping into your nest egg and build up an emergency fund instead. You can have a happy and secure retirement tomorrow by taking proactive steps today.

Finding yourself involved in a car accident on the road is a challenging situation, especially when you aren’t sure whether or not your insurance will be covering damages. There are a variety of protection options insurance can provide to a driver and understanding each will allow a person to ensure they have the coverage they need for all types of accidents. Learn the ins and outs of insurance so that you can be a more educated driver on the road.

For newer drivers, the concept of car insurance may be somewhat confusing. All car insurance acts as is a safeguard for your financial and physical wellbeing while you are out on the road. In return for small monthly payments, car insurance companies will pay for applicable damages to your vehicle or body in the event of an accident or other situations. A basic form of car insurance is required by law around the country, which helps to reduce the financial burden drivers may be faced with when an accident occurs.

Oftentimes, people confuse car insurance with car warranty, and attempt to file an insurance claim for something that it does not cover. It’s worth noting that the primary difference between car warranty and car insurance is that car warranty only offers coverage against mechanical breakdowns. This means that if your vehicles engine overheats from everyday use, you can’t file an insurance claim to pay for the replacements. Likewise, you can’t contact your car warranty company to pay for body damages on your car that resulted from an accident.

As a driver, it’s important to understand that there is more than just one form of car insurance, and not all of the additional types are required. This helps to ensure that regardless of what happens on the road, you will have coverage in one way or another. Specifically, there are six main forms of car insurance that a driver can consider which offer varying degrees of protection: 

1. Liability Coverage
   This is the basic form of car insurance that is legally required in almost every state around the country. It offers financial protection for the other party involved in an accident should you be found at fault. This means that if there is an accident that you cause which damages another person’s vehicle or causes injuries, your insurance company will pay for most of the damage. You may be liable to pay for the amount that your insurance company does not pay off. 
   
   
2. Comprehensive Coverage
   This unique form of insurance is often included when buying insurance coverage, and if offers protection for things other than traditional accidents. More specifically, comprehensive coverage can offer financial coverage against events such as natural disasters, trees falling on a vehicle, freak accidents, and more. 
   
   
3. Underinsured and Uninsured Motorist Coverage
   This specialty form of coverage is often not required when buying an insurance policy. Underinsured motorist coverage becomes active when you are involved in an accident and the other person does not have enough insurance coverage to meet the financial obligation involved with fixing the damage. Uninsured motorist coverage works in the same way, but only kicks in when the person you are involved in an accident with does not have any form of insurance. 
   
   
4. Collision Coverage
   Collision coverage insurance offers financial protection to your own vehicle by covering repair costs that resulted from a collision with something other than a moving vehicle. For example, a single car rollover, running into a barricade on the road, and more are all common times when collision coverage would kick in.
   
   
5. Medical Payments Coverage
   This specialty form of car insurance offers financial compensation to the policyholder that covers medical expenses resulting from an accident or single-car collision. It does not offer financial protection to other individuals involved in the accident. This car insurance is not required in the majority of states, with only two states currently requiring drivers to have it. 
   
   
6. Personal Injury Protection Coverage
   Finally, PIP insurance coverage is similar to medical payments coverage except for the fact that it will also cover indirect injury expenses, whereas medical payments coverage only covers direct injury expenses. This form of coverage is actually required in twelve states, making it arguable more important due to it being more comprehensive.

One special aspect of insurance that exist in the United States is the existence of at-fault and no-fault states. For example, Florida is a no-fault state which means that when you file a claim for a car accident in Florida, you do so with the other person’s insurance company. Additionally, drivers in no-fault states need to have PIP coverage so that medical expenses are covered, regardless of who actually caused the accident.

On the other side of things, an at-fault state is different in that drivers need to have bodily injury coverage in addition to liability coverage. This bodily injury coverage will pay for medical expenses that another person has following an accident that you are deemed at-fault for. The main difference between the two, in summation, is simply who is responsible for having the insurance which pays for medical damages. Regardless of whether you are in an at-fault or no-fault state, however, you will be responsible for paying for vehicle damage that you cause in an accident. 
Stay protected on the road today
Staying protected on the road isn’t always possible, even for the best of drivers. Getting into a car accident with another person, especially when it isn’t your fault, is a frustrating and jarring experience. However, by being certain you have the best insurance protection keeping you covered you can rest easier knowing any damage to your vehicle or body will be covered. If you discover you don’t have enough insurance to meet your needs, don’t hesitate to expand the policy you’re currently on. 

Art has a profound impact on the human mind. Like portals to other worlds, paintings can transport us to different realities, to the past or the future.

Likewise, music can move us in more ways than one and make us experience a range of emotions without us ever leaving our house. Indeed, experiencing any kind of artistic beauty, whether visual or musical, can help elevate us above the flat humdrum of life.

But art also has tangible effects on the human brain and body. Research shows that consuming and participating in art reduces stress, boosts the immune system, improves focus and memory, and enhances our overall health and well-being.

So how can art and creativity help you become healthier and happier? Read on to discover the various health benefits of art and how you can incorporate more creativity into your everyday life.

Did you know that beautiful works of art can give our brains as much joy as being in love? It’s true; research shows that simply looking at beautiful artwork can increase blood flow to the brain by up to 10%, which is equivalent to looking at a loved one.

When we look at beautiful art, whether it’s still life, an abstract, or a landscape, there is strong activity in the part of the brain that is related to pleasure. In other words, looking at art actually makes us feel better.

And creating one’s own art, like painting, drawing, or writing, can also reduce cortisol levels. According to the U.S. National Institute of Health, engagement with creative activities can reduce depression and even alleviate the pain of chronic disease.

Looking to decorate your home with beautiful art pieces that can help lower your stress and transform your home into an aesthetically pleasing space?

Discover and shop oil paintings created by hundreds of emerging artists at Singulart.

Like meditation art can help quiet our minds and help us focus on the moment. When we engage in creative activities, we enter a “flow state,” which is the experience of being wholly focused on the work and practically impervious to distractions

Adult coloring books, for example, are great for this. When you concentrate on coloring, you clear your mind of incessant noise and negative thoughts and instead focus on what is right in front of you: the simple joy of coloring.

Writing produces similar benefits. When you write, you shut out distractions and focus on the task at hand. And the more you write, the more you train your brain to focus, increasing your concentration span.

Art quite literally has healing powers, as studies show it can boost the immune system. According to the study conducted by scientists at the University of California, Berkeley, activities that inspire awe, such as looking at beautiful artworks, lower inflammation, and improve the immune system.

Beholding art and listening to music has a direct influence on our health and even life expectancy. Awe, wonder, and beauty – all related to art but also nature – promote healthier levels of cytokines, which help us fight infection, disease, and depression.

Additionally, studies show that people who write about their traumatic experiences show great improvements in various measures of physical health and better immune system functioning. Some studies also show writing helps with chronic pain management.

Music therapy also has immune-boosting effects via the actions of the amygdala and hypothalamus.

​Research shows that habitual writing improves neuroplasticity, which is your brain’s ability to form new connections and pathways. Putting your thoughts in writing reduces cognitive load and improves mental clarity.

Music, too, has a significant impact on how well different parts of your brain communicate with each other. Research shows that people who play instruments have better connectivity between the two hemispheres of their brains.

And for people with dementia, creating art, like drawing or writing, enhances cognitive abilities and memory recollection skills. Participating in theater performances may also improve problem-solving abilities and memory.

Looking at art can also enhance memory simply because it reduces stress and promotes relaxation, which helps us retain and remember information more easily.

​Consuming art in any way and participating in various art activities helps decrease anxiety and build coping skills. Studies also show that painting, drawing, and molding and sculpting clay help people deal with different kinds of trauma.

Writing, too, can help people overcome trauma and manage negative emotions. Expressive writing, in particular, has been shown to help people transform negative experiences, such as a loved one’s death or a violent experience, into meaningful events and make sense of their trauma.

​Without a doubt, art is good for the soul, body, and mind. And you don’t have to be an artist to appreciate or create art. After all, art is a process, an experience, not a product. But even if you don’t have time to make art of your own, simply looking at beautiful paintings or listening to great music has plenty of benefits, so take time to appreciate some art today.

Many seniors wish to travel, but the prospect of spending a large sum of money can be daunting. The good news is that there are many inexpensive vacation options available. Whether you travel locally or internationally, there are numerous places and activities to select from that won’t sacrifice quality or fun. If you don’t have funds, you can request one of your children to consider My Canada Payday for a fast cash advance. In this article, we'll look at some of the best strategies to save money on transportation, housing, and other expenditures for seniors.

​Find the most affordable flights. Consider using services like Kayak or Skyscanner to check costs across several airlines to get the cheapest tickets. Public transit, especially in cities, can also be an inexpensive and quick way to move about. Several cities provide senior discounts on public transportation, so ask about them at ticket desks or online. Consider using bike-sharing programs or walking to explore your destination in addition to buses and trains.

House Swapping

Home swapping is a unique way to travel in which you switch residences with someone in another city or country. This type of lodging can be more economical and provide a more personal and authentic experience than regular lodging. HomeExchange and Love Home Swap are two prominent house-switching websites. Before agreeing to a house exchange, do your research and read reviews.

Hostels

Hostels can be a cost-effective solution for seniors traveling alone or on a limited budget. Hostels offer shared dormitory-style rooms with public kitchens and gathering areas, making it easy to meet other travelers and establish new friendships. Several hostels also have private rooms for a more comfortable and private stay. Before booking, look for hostels with positive ratings and compare pricing

​Food and dining can constitute a considerable expenditure when traveling. Thankfully, there are various methods to save money while still eating well on your trip including preparing meals at home. It can be a pleasant and engaging way to socialize with your trip buddies while also experiencing the local food in a novel way.

Additionally, early bird specials are often offered at restaurants where you can enjoy a discounted price for an early dinner. Whether you're at a local park or the beach, packing a picnic or grabbing takeout and finding a scenic spot can be a fun and budget-friendly dining option.

​Research before booking: Check pricing from several websites and airlines to verify you're getting the best bargain. To save even more money, look for package offers that include travel, lodging, and activities. 

• Travel during the off-season: Off-season prices for lodging and travel are often lower, and you can often escape crowds and long lines.
• Use travel rewards credit cards: This can help you earn points or miles for your travel spending. Some travel rewards credit cards even offer sign-up bonuses or other incentives, so do your research and select a card that meets your requirements.
• Take advantage of senior discounts: As a senior, you can be eligible for savings on travel-related expenditures such as flights, lodging, and activities. When making your trip reservations, inquire about these travel discounts and bring your ID as evidence of age. Several airlines and hotels offer senior discounts of up to 10% or more.

Students who focus on their scholarly pursuits may unwittingly disregard their physical and mental well-being. The academic lifestyle can be a challenging and arduous journey that may significantly affect one's constitution. Nevertheless, ignoring such concerns can lead to various health disorders that could detrimentally impact one's academic performance and general standard of living.

In this article, we will explore the seven most common health issues students face and provide strategies for prevention and management.

Lack of sleep is one of the most common health issues students face. With demanding schedules and academic pressures, students often sacrifice sleep to complete assignments or prepare for exams. Sleep insufficiency can harm the cognitive faculties of students, rendering it arduous for them to focus, memorize and perform optimally in class. To mitigate and tackle this issue, students need to strive for 7-9 hours of uninterrupted sleep every night, establish a consistent sleep cycle, shun caffeine and electronic gadgets before bedtime, and foster a conducive sleep environment.

There is a solution if you have numerous unfinished papers and anticipate working through the night without being able to fall asleep. Managing time effectively is crucial for students who wish to prioritize their sleep. If you're still in the learning process, consider utilizing the services of a nursing essays company in USA. By allowing yourself to take a break and rest before the next day, you can entrust your work to professionals in your field.

Poor nourishment can lead to many health complications, such as weariness, a compromised immune system, and substandard academic achievement. Due to the constraints of time and resources, students may resort to consuming fast food and processed snacks, which frequently contain a high caloric content and a low nutritional value.

To maintain a healthful dietary regimen, students must prioritize consuming fruits, vegetables, whole grains, and lean protein sources while abstaining from consuming sugary and processed foods. Planning meals and snacks and keeping hydrated by drinking copious amounts of water also assumes critical significance.

​Mental health issues, such as anxiety and depression, are prevalent among college students. The transition to college life, academic pressures, and social demands can contribute to these issues. Mental health concerns can impact a student's academic performance, interpersonal relationships, and overall quality of life.

To address mental health issues, students should seek help from their 
university's counseling center, engage in self-care activities such as exercise and meditation, establish a support system, and practice stress-management techniques or use the platform https://writemynursingpaperforme.com/ to take a little break from the university workload and immoral thoughts.

Physical inactivity, a widely prevalent health ailment among students, leads to various health risks like obesity, cardiovascular disorders, and deteriorated cognitive capabilities. Prolonged hours spent sitting in classrooms or studying necessitate integrating physical activity into students' daily regimens.

To guarantee an active lifestyle, students should strive for at least 150 minutes of moderate-intensity physical activity each week, engage in enjoyable physical activities such as sports or dance, intersperse their study sessions with movement breaks, and employ active means of transportation such as walking or cycling.

It is a fact that college students frequently engage in substance abuse, including alcohol and drug consumption. The repercussions of such conduct are multifarious and severe, ranging from compromised decision-making capabilities to academic struggles and legal entanglements. The primary drivers behind students' proclivity towards substance use are manifold, encompassing coping mechanisms for stress, social expectations, and academic rigors.

To prevent substance abuse, students should avoid peer pressure and negative influences, seek help from their university's counseling center, establish healthy coping mechanisms, such as exercise or therapy, and stay informed about the risks associated with substance use.

​Sexual well-being concerns, including the contraction of sexually transmitted infections (STIs) and unintended pregnancies, can adversely affect the physical and mental health of university students. Due to their social habits and inadequate sexual education, college students are at a heightened risk of acquiring STIs and unintended pregnancies.

To avoid sexual health complications, students must practice safe sex, undertake routine STI examinations, communicate transparently with their sexual partners, and promptly seek medical intervention if any symptoms arise.

​Eye strain and vision problems can arise from extended periods spent on electronic devices like computers and smartphones. Students often spend long hours studying or completing assignments on electronic devices, leading to eye strain, headaches, and other vision problems.

To circumvent ocular fatigue and visual impairments, pupils ought to intermittently abstain from electronic gadgets, fine-tune the luminosity and distinction of their displays, utilize apt illumination in their study milieu, and adhere to regular ocular examinations.

​As students strive to achieve their scholarly pursuits, giving precedence to their overall health and well-being is essential. This composition highlights the seven most prevalent health concerns students face and furnishes tactics for their prevention and management. Students can sustain their physical and psychological well-being by incorporating these stratagems and successfully attain academic accomplishments.

​People love traveling. It's a well-known fact that doesn't require any proof. Just remember all those discoverers like Cristopher Columbus or Vasco da Gama. They were adventurous and wanted to discover new lands to know how people live in other countries and continents. And we, the descendants of those great travelers, still have that spark in the 21st century. Even though we know exactly what the globe looks like from space, we can find online pictures of almost any place; we still have the desire to travel, to see something with our own eyes, to breathe in the salty air of the Pacific Ocean, to enjoy the view of polar lights, to try as much exotic food as possible. And many travelers also want to become famous and popular and earn money, just like our ancestors. Modern people can do it thanks to travel blogs. But it's important to understand that you will not become rich in a second, and if your aim is instant income, you have to look for something else. You have to make something exciting and attract readers, and only after that you can expect to start earning money. In this article, we collected a few tips for you on how to make your blog interesting.

​Suppose you want your blog to bring you money; then think about it as a business. And what should you do to create a successful business? Yes, right. Create a business plan. For a travel blog, you don't have to think about the number of employees or the office. The most important for you is your content and readers. If you are not making a live blog about how you are surviving on a desert island, then at first, you have to create enough content (for at least a month); preferably, if you are not a photographer, ask a professional to look through your pics and do some corrections in case of necessity. And one of the most challenging tasks you have is to find the balance between popular topics among travelers and a fresh and interesting way of info presentation so that viewers or readers choose you among hundreds of other bloggers.

Proofreading your texts, it's not about being a grammar maniac. Just look at it this way. When you buy something in the shop, you want the quality to be perfect. If something is out of date, you will not pay for that. So, basically, making mistakes and typos is out of date. You want to sell your product, so you have to give people perfect content. Just imagine, for example, if Christopher Columbus had been writing letters to kings and queens asking for money for his travel, and there had been mistakes. In such a case, who knows whom we would consider the discoverer of America now? So, when writing, remember to check and double-check if necessary. You can even ask someone to help you. If your friends are good at writing, they may be able to identify some weak points in your style and help you with it. As any blogger, you will have to check your stats regularly, and if you see that despite nice pictures and interesting topics, they are lower than you expected, in most cases, it's because of your writing. Of course, you can use some online and free tools. But if you are serious about your wish to make blogging your job, then it would be better to use the services of professionals to receive perfect content of high quality. According to ScamFighter's review, for example, you can create a list of reliable services and then choose the best variant for you, considering offered deadlines, prices, money-back guarantees, and other conditions. When traveling, you are using TripAdvisor when looking for restaurants, hotels, or places of interest. Reviews are always critical and help us to make the right choice and not lose money. If you see a two-star ranking, I am sure you will not go to such a bar, and if you read such customwritings reviews, you will not use their services.

Travel blog is not only about written content; usually, bright images attract readers. So, make sure that your photo and video are of high quality. You may have seen a lot of videos about Expectations vs. Reality. Your task is to create expectations unless you want to be a Myth Buster. But it's a very specific genre, and you must think through the strategy more carefully. Anyway, we recommend taking pictures yourself because even though there are a lot of free stock pics on the Internet, it's challenging to find the one that hasn't been on other people's pages. And you don't want your readers to think that you are a cheater, that you don't travel, and post the pics of others.

​Covid-19 and the global pandemic have shown humanity that nothing is more important than health; we can do without going to the cinema, the hairdresser, or the restaurant; we do not have to be in the office to earn money, as we can work remotely; we can celebrate birthdays on Skype or Zoom and send gifts by courier. But if our health fails us, then in this case, we face serious problems, and it is very rarely possible to solve them on our own. With the realization of the importance of health came the understanding that it is best to monitor your condition constantly. But given the speed of life in a modern metropolis, finding the necessary time for this can be challenging. And as always, technology comes to the rescue of a person of the 21st century. Lots of different applications will remind you to drink water, to stand up, and to do some small exercises if you are sitting for too long; they will control the number of steps you take every day or calories you burn, and they will control your heart rate, blood pressure and the level of stress. You can also find applications that will elaborate a program for you if you want to lose weight or have perfect abs or buttocks, including both training and diet. So modern technology is a blessing for those who want to control their state. You just need to find the best apps. You can google it or read reviews. Reading reviews is essential when choosing any service. Let's say you need to find a writing service and read a positive review about, for example, Speedy Paper helper; for sure, it will be easier for you to trust this service.  
There are hundreds of such apps. Some of them can be a real helper for you, and about the others, you will forget as soon as you install them, and months later, your phone will remind you about them, suggesting to delete the application you don't use for a long time to save up your storage space. In this article, we tried to choose the best apps that can help you monitor your life.

MyFitnessPal is an application that will be very helpful if you want to lose or sometimes gain weight. It records all the calories you consume and burn; it can give you information about the calories burnt when doing different exercises and the nutritional value of your food. 

For sure, when going to the gym, you always dream about having a personal trainer, but it's not as cheap as you wanted. Fitplan is one of the best applications that can become your personal trainer that will be with you all the time, and its cost is nothing compared to the money you'll have to spend on the actual trainer. In the app, you set a goal and choose a suitable plan.

​Do you remember this saying, 'A sound mind in a sound body'? It means that health includes both physical and mental health. Thanks to this app, you'll practice meditation, and it's well-known that meditation helps deal with stress and anxiety. Of course, if you have problems at work or in college, you might need more professional help, but meditation can at least help you find the right direction. For example, if you cannot write an essay or any other paperwork, it can be done by Writepaperfor.me; less stress and more time for you to try to find harmony. 

Running is one of the most popular activities from ancient times (yeah, the marathon was invented centuries ago). Just as swimming, running has a positive effect on the whole body; it's excellent cardio training, and almost all groups of muscles are involved in running. If you are also a fan of running and try to include it in your everyday routine, Runkeeper is going to make your running more effective and fun. You can set goals you want to achieve when running. And you will get complete information about the distance you covered, the time it took you, the track you followed, the calories you burnt, and so much other information.

​Fooducate is the perfect app for those who care about what they eat. Just scan the barcode of the food you plan to buy and find out all information about nutritional values that manufacturers sometimes don't reveal about their products. 

​Sleeping disorders are becoming more and more spread among people of different ages. Insomnia nowadays is not only about older people. Our body needs rest to keep working on a proper level. Sleeping helps us relax and lower our stress levels; if we don't sleep enough, our bodies don't function as they should. Sleepcycle records every activity when a person sleeps. And the cool thing about this app is that it monitors the phases of your sleep and wakes you up when you are in light sleep.

Any financial expert will tell you that preparing financially for retirement is crucial. The more time and effort you dedicate to making sure you have enough money to maintain your lifestyle after you finish working, the more comfortable you’re likely to be. However, while there are plenty of guides out there offering tips and advice on how to boost your nest egg, there aren’t as many resources exploring how to preserve your financial health after retirement. 

Even if you follow a careful plan to ensure you have plenty of cash available in your pension, you’ll still need to make sure you’re using your cash correctly to ensure you don’t run out of resources. Today, we’re going to cover some of the best tips you can use to preserve your financial wellbeing once you say farewell to your full-time job.

After retirement, it’s easy to assume that you can use your money the same way you did when you were in full-time employment, particularly if you prepared for your golden years with a hefty pension. However, the constantly changing cost of living in the world today could mean you end up spending more than you realize on common monthly expenses. It’s easy to overlook how slight changes in your rent or mortgage payments, food prices, and utilities can have an influence on your overall financial health. That’s why it’s such a good idea to keep a close eye on where your money is going. Mobile and online banking apps can help you to track your outgoing expenses more consistently, so you know when you need to make changes to your budget.

Even if you prepared for retirement by saving extra cash back in your pension, there’s no guarantee that you won’t need to access a little extra financial help from time to time. Sudden and unexpected expenses can occur at any time of our lives, regardless of our age of employment status. If you find yourself needing to access a lending solution, it’s important to ensure you’re making the right choice. Taking the time to research all your options, from credit card to personal loans, will ensure you’re more likely to make an intelligent, confident decision in the long-term. There are even helpful guides you can access online if you are asking yourself  how do personal loans work? You can utilize the easy to follow format. 

Budgets are fantastic financial tools you can use through every stage of your life, regardless of your age. When you officially move into retirement, it’s worth looking at your existing budget, and asking yourself how it might need to change based on your new situation and priorities. 

Since you won’t need to save as much money back for retirement, you can think about how you’re going to assign your savings to different financial goals. Creating a budget can also help you to better understand which areas of your life you might be overspending in. You might realize that you’re spending too much on housing and decide to downsize during retirement. 

Even if you spent years preparing for your retirement, there’s a good chance you don’t have infinite resources waiting for you in your pension. If you want to ensure you can continue to live comfortably, without having to seek out additional sources of income, it might be worth looking for ways to reduce everyday costs as much as possible. Looking to downsizing in retirement can be a great plan. 

You might consider switching from using your own vehicle to relying on public transport, particularly if you don’t need to drive as often to get to and from work. You could look to cutting your utility costs and other monthly expenses by switching to different providers who offer special deals for those over a certain age. You might even be able to cut the amount you spend on food with careful meal planning and strategic shopping. 

Finally, it’s worth remembering that life can change quickly, even when you’re trying to enjoy the rest and relaxation offered by retirement. Changes in your housing situation, your health, and various other factors might mean the money you’ve put aside for your golden years doesn’t stretch as far as you’d hoped it would. If you find your current financial strategy isn’t working for you, then you might need to think about adapting to the situation. You could consider looking into ways of earning an extra income part-time by taking advantage of freelance work and the gig economy. Alternatively, you might decide to return to work for a little longer, until you feel confident in your financial situation.

​When you finally retire from your career after working years in your chosen industry, it’s tempting to assume all your financial worries will finally be over. However, the truth is that the same issues that affected you in your youth can still be present as you get older. Following the tips above, you can improve your chances of preserving your good financial health as you continue through your retirement years.

Downsizing your home is a great option for retirees. The considerable money it can generate helps safeguard you and your family’s future. In addition, moving to somewhere smaller can also mean moving to somewhere you prefer, anywhere in the country, and there are always ways to manage the reduction in living space.

Nationwide, on average, you can save a couple of hundred thousand dollars by moving from a 4-bedroom home to a 2-bedroom one. That’s enough to pay off debts, set a young relative up with an apartment or a college education, or simply build up savings for the years ahead and changeable factors such as healthcare costs.
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The downsizing gain can be several times the national average within regions with high housing costs such as California. And, of course, moving from a higher-cost to a lower-cost state, or from a major city to a small town, also puts a lot more in your bank account.

You can carry out the moving process yourself, but it is usually better to book a reputable professional company well in advance. You can also rent a self storage unit at low cost near your new home so everything can be moved there in one go, leaving you to transfer your belongings into your new space on your own schedule when it is completely ready — you don’t want the rooms full of furniture if you need to decorate them.
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With your downsized living space, now is a good time to rationalize your possessions, so sell furniture, toys and other items you can do without or donate them to charity. And you can leave items you don’t use regularly in your storage unit — for example sports gear, tools and seasonal decorations — so they don’t clutter up your new, smaller home. ​Get Organized for Your Move & Your Smaller Space

Choosing a new place to live is an exciting thought for retirees! The best US metropolitan areas for them will prioritize factors such as the cost of living, safety, tax burden, healthcare provision, year-round weather, life expectance and leisure options.
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The Florida metros centered on Cape Coral, Sarasota and Tampa get high marks for seniors, with golf, beaches, winter warmth and safe environments. Considering a 4-bedroom Tampa home costs $508K on average, compared to $283K for a 2-bedroom, you could save $188K after taking into account closing costs and property taxes, and renting a Tampa self storage unit would help extend your living space.

If you have a more limited budget, metros such as Ohio’s Cleveland-Elyria and Dayton-Kettering tend to have housing costs around half what you would pay in Florida’s retirement hotspots. Costs of living are lower there, too, while the provision of health care and social assistance is reckoned to be good.
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Maybe you can’t face becoming a Cleveland Browns fan! New York’s Albany-Schenectady-Troy and Connecticut’s Bridgeport-Stamford-Norwalk are also both known to have good healthcare provision and safety. Meanwhile, the metro centered on Providence, Rhode Island, is known for its provision of age-restricted accommodation — apartment communities set up especially for seniors, generally with a 55+ age rule, meaning that it offers downsizing retirees a particularly appealing range of housing options. 

Downsizing your home could be one of the best decisions you will ever make, and also it ticks all the same boxes for those already happily retired, boosting finances and giving the impetus for a new start in life. The best retiree destinations across the US include not only places where you can stroll on a beach but also fine cities offering great value for your downsizing dollar and much more besides. 

If you’re a Disney fan nearing retirement, you’ll be happy to know that the Magic Kingdom is planning to make your golden age a wonderful experience!

For now, this is only a concept, but dreams and wishes are the very foundation of the Disney empire, right? Well, there are other factors involved, but right now, we know that Disney is creating a special community for its 55+ fans who want to continue to enjoy their beloved stories and characters.

Located in California, this community will provide a luxurious retirement experience for anyone interested in living among their favorite Disney characters and entertainment opportunities. The community will include amenities like a clubhouse, swimming pool, and fitness center, and will be surrounded by the incredible beauty of Walt Disney World.

If all of this sounds appealing, keep reading to learn how to turn your golden years into a truly magical experience.

Disney’s vision speaks of Story Living communities enriched by “The Disney Touch,” managed by Disney Cast Members who are trained and experienced in delivering world-class service.

The first such community, named Cotino, is planned to be built in Rancho Mirage, California, but if things go well, chances are Disney will expand to Florida as well. After all, Florida is one of the most affordable places to retire and home to Walt Disney World parks and resorts.

Also, this wouldn’t be the first Disney-powered community in Florida. The company has tried its hand in real estate before, with communities like Golden Oak or Celebration, in an effort to attract more people through the good-old Disney charm.

For instance, residents of Golden Oak get a series of benefits, such as VIP tours, special event tickets, shuttle service, and even holiday decorations (in the spirit of Disney, of course). The great news is that people love this approach, so any new communities should have similar perks.

Side note: If you can’t wait until retirement and are looking for Disney perks now, check out ParkSavers.com - here, you’ll find anything Disney-related from news, how-tos, and discounts.

​According to its concept, the Cotino community should include accommodation options for a wide range of people, with a section designed for 55+ residents. In addition to the residential areas, Disney plans a mixed-use district where residents can shop, enjoy their free time, or enjoy a delicious meal out.

Besides this, there will also be plenty of space for various activities such as golf, watersports, walks in nature, and more. There’s also a private beach area, where residents can enjoy lazy mornings and afternoons, and plenty of room for club activities. Moreover, residents will have access to wellness programs, entertainment seminars and classes, and live events. Of course, many of these activities and entertainment options will be Disney-themed!

And, if you’re still having doubts about living in a retirement community designed by Disney, we should add that you’ll be served and assisted by Disney employees. These are well-trained people who know how to create a stellar customer experience and how to make people feel like magic is all around.
Wrap Up
Disney’s retirement community promises a unique combination of luxury, convenience, and nostalgia. Plus, it will be easier to convince grandkids to pay you a visit or even live with you over the summer.

Overall, communities like Story Living may be the perfect place for Disney fans to retire and create memories that will last a lifetime. However, we’ll have to see when these plans will become reality and whether the end result holds up to the dream.

Finding extra cash can be a difficult task for any family. There are countless bills that most of us need to think about every month, not to mention everyday expenses to cater for, like food and utilities. If you don’t have the time to take on a second job or expand your earnings with a freelancing strategy, it could feel like you have no way of accessing extra money. However, if you own your own home (or even just a fraction of it), you could already have money available to you that you’re not aware of. 

Unlocking some of the value tied into the equity of your home means you can access cash for renovations, family vacations, and more, without having to sell your property or take out an expensive personal loan. Here are some of the options you can explore. Homeowners throughout the world with mortgages have seen the equity in their properties grow substantially in recent years. This equity gives homeowners an opportunity to unlock additional cash, without having to give up on their current lifestyle. There are a few different ways you can utilize the equity in your home and here are the most common options.

​Perhaps the most flexible way to take advantage of the equity in your home, a HELOC is a type of second mortgage which offers a revolving balance. You can tap into the equity you’ve already built up in your property, without having to sell anything. You borrow only what you need at any given time, then pay off the balance so you can borrow again later. HELOC options are close to having a credit card, but the interest rates are generally much lower. 

Additionally, there are no closing costs, and often highly adjustable rates to take advantage of. With a HELOC, you can leverage significant amounts of cash from your home, without placing yourself at risk of excessive extra debt. However, like any form of loan, a HELOC has pros and cons to consider, and this strategy might not be right for everyone. If you’re thinking of exploring the benefits of HELOC lending, you can learn more online and get to know how a home equity line of credit works so it can help you with your decision.

​Home Equity loans are a little more straightforward than a HELOC, but they’re less flexible. Essentially, they work like a second mortgage which you can access for a specific set period. You’ll be able to requires borrowing a specific amount of money and pay it back according to a rate chosen by your loan provider. This is a highly structured form of lending. Although home equity loans can be beneficial for some homeowners, they have some significant disadvantages you should also be aware of. These loans tend to have a higher interest rate than a standard mortgage.

Unlike other forms of home equity solutions, cash-out refinancing doesn’t always require you to take out a second loan. However, it can provide additional funds to a homeowner. In this instance, you’ll work with a lender to refinance your home for a larger amount. This will allow you to access the additional money available to you in cash.

What’s the Best Way to Access Home Equity?
Home equity can be an excellent resource for those looking to take advantage of additional forms of cash and funding. If you need to build extra money for any reason, then tapping into your home equity could be an excellent solution. However, there’s no one-size-fits-all strategy for success. The smartest strategy for leveraging your home equity will depend on your plans, what you want to do with the money, and your current situation. When it comes to your credit, what your score is can also come into play when you’re making your decision. It’s worth talking to a professional about your options if you’re not sure which equity method will work best for you.

There used to be a time when a person went to college, studied, and committed to a job or industry until retirement. However, over the last decade, things have changed; with rising costs of living and people working for longer, many people are enjoying more than one career in their working life. 

Rather than seeing retirement as the end of work, today it can be seen as the end of one career path and the opportunity to begin another one. Similarly, while tech jobs used to be seen as the younger person’s career choice, there is plenty of scope now for people in their 40s and beyond to pursue a career in tech. 

In today’s digital world, there are plenty of programming jobs available, which makes it a relatively safe career option for people of all ages. What’s more, rather than allowing your career to slowly fade out as you age, pursuing a career in tech will allow you to do something meaningful, varied and well paid while also offering you the flexibility to  work from home or work hours to suit your lifestyle, potentially allowing you to enjoy semi-retirement while still having a successful second (or third!) career. 

Research the opportunities.
If you are unsure of whether a career in tech might be right for you, it can help to have a look around at the different tech jobs that are available. This will give you a good idea of the opportunities that are available right now, as well as the working hours, flexibility, pay and other benefits that you can hope to expect if you decide to train for a programming job.

Assess your skills.
You may not have a wealth of experience as a programmer, but as an older person, you will possess a wealth of experience that someone straight out of college is unlikely to have. Make a list of your skills, starting with your previous encounters with technology (depending on your previous career you may have more tech experience than you realize), before looking at the attributes and skills that you have which will help you to be an effective programmer. 

Consult a tech recruiter.
Once you have a good idea of what you might like to do, and your existing skillset, get in touch with a tech recruiter. They will be able to take your strengths and experience, confirm the opportunities that are available to you, and advise you of any gaps in your knowledge and skills that you need to address prior to making applications. Programming jobs are unusual in that they don’t require college degrees; there are different routes to getting the right experience that you need, and a tech recruiter will have a great insight into what employers are looking for, as well as what they are happy to teach on the job. 

Define your expectations.
If you were a senior manager in your previous career, it can be tempting to look for jobs at the same level in your new career. It is a good idea to manage your expectations and recognize that as you are starting a new career, you may need to aim for entry-level jobs with the plan of working your way up again. However, bear in mind that previous skills and experience may mean that you progress more quickly in subsequent careers than you did in your first one. 
 
Train!
With an idea of what is available, what skills you have, and what kind of job you would like, you should have developed a good idea of what skills you need in order to get the jobs that you want. There are different training options available, including formal college training, online courses, apprenticeships and self-teaching. A tech recruiter will be able to tell you what most employers in the industry tend to prefer. 

Actively seek employment
Whether you are retired already, or looking to switch careers, it is a good idea to keep an eye on the employment market throughout the process to see what opportunities come up, which jobs you feel are best suited to you and your lifestyle. Once you are ready to make the move towards your new career, it is time to move from general research to the active searching phase. If you have skipped speaking to a tech recruiter until now, it is definitely worth getting on their register as they will know of current and future opportunities that will be a best fit for you. 

At a time when there are more programming jobs available than there are skilled programmers to fill them, a new career in programming could be a wise choice, regardless of your age. As long as you are willing to learn and are committed to providing the same level of hard work and commitment at the ages of 40, 50 or 60 as you did at the age of 20 and 30, there is no reason why you can’t have a fulfilling and successful career in tech.

When you retire, you have all the time in the world to travel, see your family, or simply relax, but a lack of a career may leave you feeling empty. We often connect our feeling of purpose with work, but there are other ways to find meaning. For example, you could take up photography

While the possibilities are never-ending, photography is a good hobby to explore. There are so many great reasons for being a photographer in retirement. 

Here’s 10 you should consider. 

1. Spend Time Outdoors 
Photography can encourage you to get outdoors. You can use your camera to capture the beauty of nature or to photograph urban landscapes and people. As you explore new areas for the perfect shot, you’ll be soaking in all the natural delights your city or town has to offer.

2. Stay Sharp 
Photography can help to keep your mind active. As you get the perfect framing or exposure levels for the perfect shot, your cognitive functions will be stimulated. As long as you’re learning new skills and exploring, you’ll have a great activity on your hands that improves mental health.

3. Create Art 
Your retirement is the perfect time to master a creative skill, and with photography, the possibilities are vast. For example, you can take whimsical images, turn your photos into art to hang on the wall, or create collages. You could even sell your photos or display them at expos.

4. Capture Life 
Do you have plenty of photos of your family and friends? Or perhaps you’re looking for that next angle or a new perspective for a special event. If you’re in retirement, you’ve got the time to capture moments that matter, which you can then turn into photo books of unmatched quality.

5. Connect With Other People 
Photography is often a shared experience. When you take a photo, you’re connecting with the people it captures. Whether you’re taking a portrait of a family member or immortalizing a happy moment with your fellow retirees, you’ll be creating memories that can be treasured forever. 

6. Develop a Sense Of Flow 
As you hone your craft, you’ll likely find yourself in a “flow” state. Artists often get “into the zone,” which is a total state of focus and relaxation. It helps you get absorbed in the creative process. If you’re shooting images for fun, the success of the image you create will be a reward in itself. 

7. Express Yourself 
Photography gives you the opportunity to communicate through art. You can document your own stories and share them with others by conveying certain emotions, thoughts, or ideas. If you’re someone who holds back their emotions, photography can bring those out in you.

8. Reach New Heights 
Photography can be a great way to stretch yourself, try something new, or find a different perspective on something that you do regularly. You could explore aerial photography or opt for underwater shots. Either way, you’ll gain a different understanding of the world you live in. 

9. Experiment 
With photography, you can experiment with techniques, camera equipment, and filters. There are plenty of new ideas to explore and techniques that can enhance your creativity. The trial and error of it all will no doubt lead to plenty of learning experiences and hundreds of cool moments. 

10. Share With Others 
When it comes to photography, showing is almost as fun as taking a shot. Whether you opt for the coffee table book version or an online photo book, you’ll have fun sharing your images with others. Your works may even inspire other retirees to take up their cameras and start shooting.

Car accidents are a major potential downside of getting behind the wheel, but driving has become a necessary part of life for most people. Over 42,000 people died on a yearly basis as a result of car accidents, which goes to show the importance of learning how to avoid this event. The first step in learning how to avoid a car accident, however, involves identifying what the most common causes for accidents are.

As mentioned, a person needs to understand what the most common car accidents are in order to spot the signs that one may be about to occur. While a car accident can happen for any reason, the below seven causes are among the most common culprits:

Distracted Driving
In the modern age, distracted driving has become an even more common cause for car accidents. Cell phone devices such as the iPhone have presented new stimulants for drivers out on the road. Texting and calling are among the primary causes for distracted driving accidents, but even taking your eyes of the road to change music on your device is deadly and illegal. If you notice a driver near you continuously glancing away from the road, keep extra distance between yourself and them. 

Driving Under the Influence
Driving under the influence is illegal in the United States of America. On a daily basis, roughly 32 people die from drunk driving accidents, with more on top of that when taking into account other drugs. If you see someone swerving erratically on the road or changing speeds on a whim, it’s possible they are under the influence. Leave extra space between you and that vehicle and attempt to contact the authorities if it safe to do so.

Driving While Tired
A lesser recognized cause of car accidents is simply driving while exhausted. We’ve all been on a road trip where it seems to never end, but when you feel your eyes start to droop it’s best to get off the road. If there is another driver in the car, pull over and allow them to take over driving duties so that you can get some rest. 

Speeding While Driving
Speeding is another common cause for car accidents. Over the last two decades, speeding has been present for one-third of all motor vehicle fatalities that have occurred, going to show how deadly it can be. If you notice a driver speeding rapidly in your rearview mirror, it’s best to maintain your lane and allow them to pass you, as opposed to quickly switching lanes to get out of the way. 

Reckless Driving
At the end of the day, some drivers choose to drive in a manner that knowingly presents a risk to all others on the road. Reckless driving is another common cause of car accident that is difficult to prevent. As a driver, always signal your intentions, follow speed laws, and adhere to the rules of the road rather than making your own rules. 

Driving During Poor Weather
Poor weather conditions can cause a large number of accidents, especially when they occur in areas that don’t usually receive that type of weather. For example, the first rainfall in most states is the most dangerous, as the rain lifts many oils from the road that can create slick conditions. Always drive slower in bad weather to help prevent accidents. 

Hazards in the Road
Finally, hazards in the road can cause drivers to make quick and unexpected lane changes that can cause accidents. While it’s not possible to always avoid an object on the road, do your best to scan the road ahead of time to give yourself more reaction time.

In the long run, car accidents can result in injuries that don’t show symptoms until later in life, making it all the more important to avoid an accident in its entirety if possible. Below are some of the best strategies for avoiding a wreck:

Handle Business on Your Phone Before Driving
While it can be tempting to touch your phone when a song you hate comes on, avoid doing it at all costs. Set your music and send any texts you need to prior to taking your car out of park and answer any phone calls in a hands-free manner to prevent distracted driving on the road. 

Limit Night Driving as Much as Possible
While driving at night is impossible to avoid in its entirety, try to limit the amount of time you spend on the road at night. Besides increasing the likelihood that you’re tired, night driving comes with reduced visibility that can pose a danger to you and other drivers on the road. 

Handle Preventative Maintenance on Your Vehicle Regularly 
Preventative maintenance refers to the regular scheduled checkups all vehicle owners are supposed to handle on their vehicle. These checkups can help prevent major breakdowns from occurring, which can cause an accident if one occurs while you’re on the road. By handling this maintenance ahead of time, you can reduce the risk of an accident. 

Follow the 12 Second Rule
When on the road, all drivers should be scanning 12 seconds ahead of them on the road, rather than staring straight ahead. This will allow you to see any road hazards, traffic, or other dangers on the road before they are on top of you. 

Follow the 3 Second Rule
Similar to the 12 second rule, all drivers should also adhere to the three second rule. This refers to keeping a three second gap between you and the car in front of you. To test this, pick a marker on the road such as a street sign, and wait to start counting until the car in front of you reaches it. Ideally, it will take you three seconds or longer to reach the same point. 

Stay safe out on the open road
Keeping yourself safe behind the wheel of a vehicle is incredibly important for your health and the health of other drivers. However, you can’t control the actions of other drivers which is why contacting a lawyer when an accident occurs should also be a priority. If there is disagreement over who caused the wreck or issues with insurance providing compensation, a lawyer can help you get what is rightfully yours. 

As a nurse, you are dedicated to improving patient care and committed to providing the highest possible quality care. Continuing education is essential for staying on top of the latest healthcare technology and treatment advancements to accomplish this goal. Also, continuing education helps you stay ahead of industry changes, build new skill sets, and advance professionally. All these are key components for successful nursing practice. Let's cover in detail why continuing education by nurses is necessary and how it can help further your career success.

Benefits of Continuing Education for Nurses

Continuing education for nurses is an invaluable asset that can provide multiple benefits. Below is a comprehensive list of these benefits.

Improved Patient Care

Nurses who invest in continuing education courses are better equipped to identify changes in a patient's condition quickly and accurately. Additionally, access to greater medical knowledge allows them to customize treatment plans to meet each patient's specific needs. The combination of these two elements leads to a level of care that is both effective and compassionate.

Developing and Diversifying Skillsets

Continuing education helps nurses develop and diversify their skill sets significantly. Advanced courses can teach a wide range of topics, including the following:

• Disease management
• Health promotion strategies
• Pharmacology issues
• Medical ethics
• Critical thinking skills
• Communication skills
• Leadership skills

As a nurse, you can provide more comprehensive care daily with these additional skill sets. Furthermore, such skills make you a more attractive candidate for other employers should you pursue new job opportunities.

Retaining Your Nursing License

Every state has its requirements for licensure renewal. In some states attending certain hours' worth of approved continuing education is a requirement for renewing one's license. Thus, attending these courses can help nurses stay current on important regulations and also help them maintain their credentials as licensed professionals in the nursing field.

Keeping Abreast with Current Nursing Practices and Technology

As the medical field evolves, so do the best practices for patient care. As a nurse taking part in continuing education courses, you can stay current on technological changes, treatments, medications, and other aspects of medical practice. With this knowledge, you can provide definitive diagnoses and treatment options compared to when you had limited access to such information.

Increased Opportunities for Career Advancement

Continuing education gives nurses unique opportunities to demonstrate their commitment to advancing their career goals. This happens by taking on additional responsibilities or pursuing specialized certifications in the following areas:

• Critical care
• Emergency medicine
• Hospice care
• Gerontology
• Wound care management

This shows employers that you are willing and capable of handling increased responsibility. Also, it increases your marketability and chances for career advancement within the organization and outside of it.

Higher Earning Potential

As nurses become more knowledgeable through additional training programs or certification courses, they can command higher salaries than those without such qualifications. This is due to having demonstrated mastery over more areas of expertise throughout their careers.

Additionally, those with specialized certifications may qualify for managerial positions at healthcare institutions where applicable. This could lead to further career growth and increased earning potential. Remember, there are multiple bonuses and other compensation packages typically associated with senior-level roles.

Effective Strategies for Pursuing Continuing Education for Nurses

As a nurse, you must keep your qualifications and skills up-to-date. To achieve this, you need to pursue continuing education opportunities. Here are a few effective strategies nurses can use to do so:

Undertake Nursing Courses (In-Person or Online)

Taking nursing courses is one of the best ways for nurses to stay current with the latest developments in the field. Various options are available, from online courses accredited universities offer to in-person classes at local community colleges. Nursing courses can help nurses develop new skills and build upon existing ones.

Attending Medical Conferences

Attending medical conferences can be an invaluable opportunity for you as a nurse to network with other professionals in the field. You can also learn about the most innovative medical advancements in your practice fields. At medical conferences, nurses can also access recent research findings and learn about new treatments or procedures that may be useful in their work settings. Coat Connect is an excellent platform that offers medical professionals medical conferences.

Certification Programs

Certification programs are specialized programs that focus on specific areas of nursing. They help nurses gain specialized knowledge in their area of practice. For example, you may pursue critical care or pediatric nursing certification to maintain expertise as a nurse. Certification programs also provide recognition for nurses who demonstrate a high level of proficiency within their specialty.

Medical Workshops

Medical workshops are short-term events designed to help participants gain practical knowledge about their field. Topics covered at medical workshops often include new treatment methods, safety protocols, medical device usage, communication strategies, patient care techniques, and more. Such workshops provide an interactive learning environment where nurses can learn from experienced professionals while interacting with peers with similar interests and goals.

Final Thoughts

Nurses should prioritize continuing education as it is essential to keeping up with the latest advancements in nursing practice. Continuing education helps keep nurses abreast of the changing medical landscape and allows them to develop their skills and competencies further.

By pursuing effective strategies for continuing education, such as attending conferences, nurses can ensure they stay ahead of the curve in providing quality care.

​While the expression “You can’t teach an old dog new tricks” is used to mean an individual who is too old or stuck in their ways to learn new things (which isn’t actually true for most older people!), a variation of the expression was first used in the sixteenth-century work “Book of Husbandry” by John Fitzherbert to refer literally to teaching new skills to an old dog.
 
If you have an older dog, it is not too late to teach your pooch new tricks. Here’s how to go about it. 

While older dogs can find training sessions challenging, their difficulty levels and limitations will depend on their specific physical and mental conditions.
 
Therefore, before you begin teaching your old dog tricks, consult a veterinarian to ensure that your canine friend is in the right condition to learn new skills.
 
Once your veterinarian gives you the okay, use the approach known as positive reinforcement.
 
That involves being patient with your dog and rewarding your dog with dog treats to help him or her to stay motivated to learn new things.
 
Treats can be healthy, too. For instance, you can get the best probiotics for dogs at Honest Paws to help support your dog’s digestion and immune system.
 
An older dog actually has the capacity to focus better and for longer than younger dogs, so teaching your old dog new tricks might even be easier than training a puppy!

As mentioned above, you need to be patient when teaching new things to an old dog. Furthermore, studies show that dogs, just like humans, need time to unlearn things before they can learn new things well.
 
Therefore, to make progress, you should consider your dog’s previous training.
 
If your dog had a previous owner, try to find out what training your pooch received. If you had your dog from a puppy, remind yourself what training your canine friend went through when he or she was young.
 
By understanding your dog’s previous training, you can better determine how to start the new training phase.
 
You may need to start with the basics again before moving on to more challenging tasks.

​The greater your bond is with your dog and the more trust you both have with each other, the easier it should be for your dog to learn new things.
 
So, you may want to spend time building more trust with your dog before you begin the training process; and ensure you continue to build trust throughout the training phases.

Your dog will be more motivated and eager to please if you keep your training sessions short.
 
So, when teaching your dog new tricks, don’t overdo it.
 
You should recognize and respect your dog’s limitations.

​Following on from the last point, your dog will learn more easily if you start by teaching him or her a single trick.
 
Older dogs can become confused by too many different commands, so take things slowly.

You should never underestimate the power of positive reinforcement.
 
So, make sure you consistently show your dog how pleased you are with the progress he or she is making. And remember to reward with tasty treats.

​Teaching an old dog new tricks is undoubtedly possible, but it will take time. Typically, it can take an old dog about a month to learn a trick for the first time.
 
So, be patient, be consistent, and follow the above suggestions. Practice makes perfect.

Ask most couples and they’ll say the best relationships are nurturing, and supportive. When you decide to share your life with someone, whether a boyfriend, girlfriend, or spouse, you naturally become invested in their goals, and ambitions. We want to see the people we love succeed. Sometimes, this could mean providing your partner with additional help and guidance when they’re taking important steps in their life. 

If your loved one wants to start a new career, improve their earning potential, or pursue a new professional path, you may be the first person they come to for support. The more reassurance and help you can give your partner as they work on their professional goals, the more aligned and connected you’ll become. So, where do you get started?

Communication is at the heart of any solid relationship. We can’t help our loved ones if we don’t know how to communicate with them. Start by letting your partner know they can come to you to discuss anything connected to their career, from concerns about clients, to ambitions and goals. If your partner wants to accomplish something specific with their career, help them to set the right targets for success. 

Ask them about their motivation, exactly what they want to achieve, and any challenges they think they might face along the way. Work together on coming up with a plan and encourage your partner to keep you in the loop with their progress. Opening the door to consistent communication from day one will help your loved one feel like they have someone in their corner when they’re tackling career challenges. It should also ensure you don’t end up arguing over issues like financing and schedules, because you’ll be able to discuss these things in advance.

​For the most part, pursuing a specific career or professional goal will require at least some investment in education. The most attractive, highest paying jobs typically require candidates to hold specific degrees or qualifications related to the industry or role in question. Depending on your relationship with your other half, you might be able to offer direct financial support, sharing some of your savings so they can minimize the amount of money they need to borrow to go back to college and earn their accreditation. 

However, if you don’t have a lot of money to share, there are still ways you can be helpful. If you have a better credit score than your partner, you could consider cosigning a student loan with Earnest, to help your loved one get the best possible deal on the money they borrow. This could even help you to reduce the amount you need to pay back together in the long-term.

​If your partner has decided to pursue an entirely new career, which requires them to get a new education, or spend more time out of the house, working overtime or networking with peers, then you might have to take on some other tasks around the house. Most partners who live together or share a decent portion of their lives will share the load for household tasks.

However, you may need to be prepared to do a little more than your standard share if your partner is dealing with a particularly hectic schedule. While you shouldn’t push yourself to the point of burning out on your partner’s behalf, it might be worth looking for areas where you can offer a helping hand. Taking over some daily duties like taking out the trash and washing clothes on your partner’s behalf can give them more time to focus on pursuing their goals.

Some career goals take years to accomplish, and many come with numerous challenges to overcome, not to mention various sources of stress. There will be times when your partner might feel overwhelmed, emotional, or incapable of reaching their targets. The best thing you can do during these moments is show your partner how much you believe in them. 

Remind them of how far they’ve come and support them with love and understanding. Encourage them to avoid focusing on their failures, and instead celebrate their accomplishments. Celebrating small and big successes together is a great way to keep your partner motivated and discover new bonding opportunities for you as a couple. Look for ways to celebrate everything, from your spouse getting a raise or promotion, to them dealing with a difficult client or boss at work.

​Achieving career goals can be a time consuming and stressful process. However, it helps to have someone on our side who can be there with us through thick and thin. Acting as a crucial source of support for your spouse or other half during their career transition is a wonderful way to show them how much you care.