Care Costs in Retirement – Controlling Your Health

It’s no secret that health care becomes a bigger concern for most of us as we grow older. More ailments are likely to develop, which means more money spent to visit health professionals and buy medication. Even if you remain healthy through your later years, the costs of preventative care and preparing for potential unexpected health situations are rising.

Health-related expenses will likely be one of the biggest components of your retirement budget. You need to be prepared to pay for comprehensive insurance coverage and potential out-of-pocket costs for care. Here are three strategies to help you manage this critical expense in retirement.

Understand how Medicare works

The good news for Americans age 65 and older is that you qualify for Medicare. That makes increased dependence on health care services more affordable. At age 65, most people automatically qualify for Medicare Part A at no cost, which primarily provides coverage for hospital stays and skilled nursing care. Medicare Part B must be purchased (approximately $109 per month in 2017 for most retirees). Part B covers the costs of visiting a physician, but with some deductibles. Many people purchase additional coverage to use for out-of-pocket expenses, such as a Part D prescription drug plan or a Medicare Supplement policy.

With Medicare, timing is important. Signing up when you first qualify for coverage will keep costs at the lowest level. If you maintain insurance through your employer after turning 65, you can delay Medicare enrollment without risking late penalties.

If you retire prior to age 65, you will need to purchase insurance on the open market to cover health-related expenses until you become eligible for Medicare. Individual coverage tends to get more expensive as you grow older, so work the cost into your retirement budget. Some employers offer retiree health insurance as a benefit. Check with your human resources department to see if this option is available to you.

Allocate sufficient funds for health care costs

As you develop your retirement income strategy, make sure you have money set aside for health expenses that will be your responsibility. By one estimate, the average 66-year-old couple will need to tap more than half of their lifetime pre-tax Social Security benefits to pay for health care expenses throughout retirement. Most people will likely have to rely, in part, on their own savings to help offset some medical expenses.

Along with other retirement savings, you may want to establish a health savings account (HSA) during your working years. HSAs are designed to help build tax-advantaged savings to pay for out-of-pocket medical expenses you incur during your working years. However, any leftover funds can be applied to health expenses later in life, including premiums for Medicare and long-term care insurance. Keep in mind that you must be enrolled in a high deductible health plan to open an HSA.

Focus on your own health

One way to potentially keep health care costs under control in retirement is to create or maintain a healthy lifestyle. Small changes you make today, such as eating right or prioritizing sleep, could reduce the likelihood that medical issues will impact you later in life. Being physically active may also benefit your finances in retirement – according to the American Heart Association, it could potentially help you save $500 a year today on health-related expenses.

Having a plan doesn’t guarantee that you will avoid heath issues, but you may find comfort in knowing how you can tackle health care costs in retirement.

Smart Tips Recruitment Agencies To Hire The Right People From Experienced

When it comes to reaching your business goals, finding the right people for the company is one of the most important factors that greatly affects the success of your business. However, it has also been one of the most difficult undertakings many business owners struggle with. It is a good thing that the challenge has become acute these past few years due to hyper-competition in the global business area.

Organizations are facing an increasing demand to move and innovate at an unprecedented speed. Moreover, employees are now looking beyond salary and position when choosing a job, so traditional talent attraction and recruitment strategies may not be as effective anymore. It is thus important for companies to review their talent recruitment strategy and see if it still suits their current requirements and can address ongoing changes in the job market.

One of the reliable recruitment agencies that has the right experience shares some tips in hiring the right people for the job. First, you must align your recruitment strategy with your overall corporate strategy. The positions you want to fill, the number of people you want to recruit, the quality of talent you are looking to engage and the content of your offers should be based on specific and clearly defined business goals.

Secondly, ensure a well-organized process or system. Just like in your other business processes, establishing SOPs for your recruitment process is crucial. Following a system and obtaining the guidance of top job consultants will help the business avoid costly recruiting mistakes. Hiring the wrong person is one of the costliest and time-consuming mistakes a company can make. A well-ordered and structured recruitment process also puts an emphasis on the professionalism of your organization.

Additionally, working with the experts is a smart move. This is not a time to cast your recruiting net randomly into the talent pool. You need a focused, systematic route that will allow you to reach out to the most qualified candidates for your needs. This can only be possible with the help of leading head-hunters, who will have the network and resources to match you with the most suitable people to include in your team, within the budget and timeline you have specified. Remember that effective recruitment is not a one-time project, but rather, an ongoing task.

Make Money Traveling

Our world has so many travel destinations and sightseeing delights.

Every country has its own special culture, scenic beauties and regional foods that gives you a new way to get in touch with all your senses.

The travel lifestyle will give you a wonderful insight about a place, the people and culture in all its variety and vitality.

And, there is a special magic about what it actually feels like to be there.

You can live like a local in a favorite overseas destination, enjoy its regional cuisine, attend local festivals and watch the changing of the seasons in a different environment.

Spend a month in Paris, explore the English countryside, taste authentic pasta and pizza in Italy, go cycling in Amsterdam, skiing in Switzerland, cruise the Greek Islands or visit the historic coffeehouses of Europe.

Visit the popular, the historical, the traditional or the unusual. There are natural wonders to discover or you can take a journey “off the beaten path” that will stir your imagination.

The keen traveler can divide their time between home and a favorite travel destination for three months, six months or a year and enjoy the best of both worlds.

The travel lifestyle will take you away from the daily routine and set you on the path to life-changing experiences.

Diversify Your Income

Your income is your greatest financial asset.

Alternative income streams can free you from a 9-to-5 job and set you on the path to live the travel lifestyle.

Passive and residual income streams from an online business can increase your earning power with little effort required to maintain once the initial work has been done.

Online Business Opportunities

If you yearn to break away from the routine 9-5 life where there is no boss, no office or factory to go to then, take advantage of opportunity by applying your ideas, your experience, knowledge, skills or your passion into an online business to create multiple income streams.

A Profitable Website=Income+Freedom

A website based on a profitable niche is an income-producing asset that works 24 hours a day, 7 days a week, all year round.

It can “finance” your keen traveler lifestyle.

Just one good idea based on a passion, skill or knowledge can change your life.

Consider these factors:

*a website is not restricted by geographical boundaries.

*you have the flexibility to work to your schedule

*it can generate multiple income streams

*requires only minimal investment

Build A Money-Making Website With Site Build It!

You don’t need previous knowledge or experience to succeed.

Site Build It provides everything you will ever need to build a successful online business.

It provides the best all-in-One solution for building a money-making website.

Site Build It! provides the step-by-step learning techniques, guidance and 24/7 support for how to build that online business you can run from anywhere in the world.

It includes domain registration, easy-to follow site building tools, website hosting, creating optimized, quality content and analysis, keyword research, traffic building, link building, search engine submissions through to marketing, pay-per-click and monetizing your website.

Affiliate Marketing

There is a vast array of affiliate programs in an unlimited number of niches.

Joining an affiliate programs is fast, cost-free, and, risk-free.

It’s the easiest way to make money online.

Benefits of Affiliate Marketing

*Free to join

*Work from home

*Worldwide market

*No production costs

*No storage, packing or shipping costs

Get Paid For Having a Link on Your Website.

A link from your website to the merchant’s site and you can create an online, affiliate business. Those who click on the affiliate sites and make purchases will make you money.

Taking Action

Think about where you want to be and what you need to do to get there.

Establish goals and make plans then, set out to achieve them through commitment and effort.

The choices you make sets the direction.

What happens next and how it will manifest is about what you do today.

Today, can be the beginning of the first day of the rest of your life.

The money will follow.

Freedom of Choice

Achieving freedom of choice will let you get away from the routine of everyday life.

Freedom of Choice will let your imagination come to life and to follow your dreams.

Fermented Foods – Choose Beneficial

Many vegetables are grown in a fertile valley far away. Almost as soon as they are harvested, they are flash-frozen and transported on refrigerated trucks to a supermarket near you. You have a freezer at home, and the delivery of healthy nutritious vegetables from farm to consumer is completed easily. Refrigerated trucks keep fresh-picked vegetables viable long enough that your green grocer’s shelves remain well-stocked throughout the year.

Go back just a few decades, and you will find that this was not the case. Winter produced very sparsely populated shelves in the green grocery section of the market. Go back just a few more decades and you will discover that people had to find creative ways to sustain themselves through harsh winters and on long journeys. For thousands of years, people have fermented foods to preserve them for when supplies of fresh foods were not available.

The Romans preserved cabbages with salt, and Genghis Khan fed his armies fermented cabbage to sustain them on their campaigns through Europe. This use of preserved, fermented foods was a common practice for travelers as a source of nutrients. As late as World War I, allied forces relied on fermented cabbage, or sauerkraut as we now know it, to supply nutrients to soldiers on the battlefields of Europe.

The process of fermentation helps to preserve the food for use many months later. Fermentation also generates many health benefits for the consumer. The essential nutrients and vitamins are preserved. Sugars are broken down so they are more easily absorbed with far less insulin or allergy reaction, in the case of lactose intolerance to dairy products. The process also generates enzymes that are essential to supporting the digestion of foods that we eat. Finally, they are natural probiotics, jam-packed with beneficial microorganisms.

A healthy gut, supported by a strong population of beneficial bacteria, serves as a powerful booster for your immune system. The digestive tract is where nutrients are extracted from food and absorbed by the body. Enzyme and microbial activity accelerates digestion and generates enzymes, vitamins and antioxidants that are essential to health. They also protect us from pathogens and flush out toxins from our bodies.

You can find a variety of ready-to-use fermented products at your local supermarket. They include yoghurt, which is fermented milk (usually cow’s milk). The fermentation process breaks down the milk lactose to make it easier to digest and the yoghurt supplies billions of helpful bacteria. Be careful of brands with large amounts of sugar added, as that will create other problems. Another healthy fermented product from milk is kefir, a drink often found in the supermarket refrigerator.

Kombucha tea is another good source of enzymes and beneficial microbes. Kombucha is made from fermenting black tea. Other products you may find in the supermarket include kimchi, a Korean version of fermented cabbage and a mixture of other vegetables. Raw apple cider vinegar is also loaded with beneficial bacteria and has many different uses apart from supporting a healthy digestive system. You may find Japanese products like miso, and natto, both loaded with microbes and used in cooking soups, marinades and sauces.

If you feel adventurous, the processes for making your own fermented yoghurt, kefir, pickles and kimchi are relatively easy and they require no special equipment. Select healthy organic ingredients and you will be able to rely on the process for creating your own healthy, nutritious probiotic foods.