Travel for seniors- tips to make your traveling plans, all the more economical

Travel for seniors- tips to make your traveling plans, all the more economical

During the younger ages, you aspire to explore the world. However, the commitments and responsibilities in life, often emerge as barriers in the path of accomplishing these aspirations. But, once you attain retirement age, you have the best chances to pamper the globe-trotter within you. However, the rising cost of traveling can again make it tough to materialize the plan. As such, it makes sense to discuss about the possible measures that would enable you to cut down the expenses.

Always save a certain amount for supporting your traveling plans

BCBS Medicare Advantage Plans 2019Remember, anything good in life comes to you as a result of long-haul preparation, and this holds true in the case of your traveling aspirations at an elderly age. Hence, if you want to explore the world after retirement, ensure that you are saving a certain amount on a monthly basis. For instance, a certain percentage of your pension or the proceeds you receive from your fixed investments or any inflows you acquire should go to this account. Likewise, even if you can save some money, on completion of a trip, should be utilized for financing your next trips.

Always prioritize to travel in troops

One of the best ways to optimize the traveling expenses would be, traveling with troops. Tour operators offer special packages for such group bookings, and this way, you can cut-down the traveling expenses. This saving can add up to a significant extent if you travel frequently.

However, the benefits of traveling with troops are not limited to the fiscal perspectives only. When you travel with people in your age group, you can assume that you have like-minded people as your companions. Such companionship would definitely make the trips all the more exciting. In addition, even if such negative instances happen to you in the course of the trip, you can expect some effective support from your companions.

Look around for special packages and offers, intended for the senior travelers

Just as in other walks of life, as a senior individual, you can find tailor-made packages and offers, while booking the travel packages, or any of the traveling amenities, individually. For instance, the airline company you are dealing with, or the hotel you book, might be offering such special packages for people of your age. Hence, before booking these amenities, you should discuss for such possibilities with the providers concerned. This way, you can certainly reduce the cost of traveling by a significant extent.

How do I choose a health insurer for my Medicare insurance?

If you have several Medicare supplemental insurance options to choose from, how do you know which plan to choose? Here is some useful information.

Medicare supplement: a quick overview

Medicare supplemental insurance (Medigap) will help pay out several Medicare Part A and B expenses. These costs may include co payments, co insurance and/or deductibles.  There are up to 10 standardized Medicare supplement plans in 47 states, labeled with letters, for example, Medicare Supplemental Plan G.

Each plan with the same name has certain basic benefits. Plan G can pay its Medicare Part A deductible but not its excess from Part B. However, Plan F generally covers deductibles from Part A and B. Massachusetts, Minnesota and Wisconsin have their own plans standardized.  All standard letter plans have a central benefit: anyone can cover up to 365 days of hospital costs and co insurance once the benefits of Part A have been exhausted.

Medicare Supplement plan: Choosing an insurer

Again, all United Healthcare Medicare advantage plans are located at www.medicareadvantageplans2019.org/united-healthcare-medicare-advantage-2019/    with the same letter name contain the same basic benefits. In other words, if you buy the Medicare Supplemental Plan F in Los Angeles and your sister buys Plan F in Texas, you basically have the same plan. The same applies if you buy Plan F from Company A in Ohio while your friend purchases Plan F from Company B in the same city.

If the F Plan is the same, no matter where you buy it or by which company, what difference does it make in which supplementary Medicare insurer you use? Here are some tips:

Medicare supplementary insurance is sold by private insurance firmss, hence they have some measure of flexibility in premium costs. Compare prices for the same plan from several supplementary Medicare insurers in your locality.

Some supplemental Medicare insurers offer additional benefits that go beyond the standard benefits provided in each plan. For example, some Medicare supplement plans may be partners with the SilverSneakers fitness program.

Why pay a higher premium for the same Medicare supplemental plan for one company instead of a lower premium for another company if the plans are the same!

This is a possible scenario. Let’s say there is a few dollars difference when you compare Medicare plans in your area. For instance, Insurance Company X may charge a premium of $120/month for the Medicare Supplemental Plan F, while Insurance Company Y may charge $ 116 for Plan F. You may be willing to pay a premium slightly higher to purchase the Plan X Medicare Supplement Plan.

You can get help of you would like to compare Medicare supplemental policies.

Follow the links below on Medicare website to make a call or to request for an email to be sent to your inbox with your personalized information.

The descriptions of products and services provided on the Medicare websites do not constitute sales offers or requests related to a product or service. All products are not available in all areas and are subject to applicable rules, laws, and regulations.

This Medicare Supplement Plan is becoming popular: Find out why!

For those who still haven´t heard about it, the Medicare supplement plan F, which is currently the best seller and a favorite to most people, will soon no longer be available. This has been decided by Congress and starting January 2020, no new members will be able to enroll to this plan. The members that have already enrolled to this plan before the 1st of January, 2020 will be able to continue using its benefits. If your open enrollment period is after 2020 and you’ve been waiting to enroll to supplement plan F then, you now need to find another solution.  Get a risk free quote at /www.comparemedicaresupplementplans2019.com for a supplement plan.

The supplement plan F is not the only one that is going away. Supplement plan C will no longer be available either. What these two have in common is that they both pay for the Medicare part B deductible, which is 183$ a year. It is exactly this cost that can no longer be covered by any private health insurance company, ever. Congress has passed this law as a way of preventing overuse of the health care system. Their belief is, that because everything is covered, people will visit health care provided even when it´s not necessary, such as for a paper cut or a cold. This leads to more costs for the health insurance companies, that are being covered by the premium rate. To be able to avoid this, the new law orders that everyone needs to pay at least one amount out of their own pockets. They believe, that by doing so, people will think twice before visiting the health care provided and really visit only when the professional health care is needed.

Medicare Supplement plans 2019Not only do new members who were planning on enrolling to one of these plans to find a new solution. Members, who are already enrolled to the supplement plan F are also starting to worry. They think, that as no new members will be able to enroll, the prices for the premium rates will go high. If this happens or not, is yet to come!

However, in any case, you need to be introduced to this supplement plan, that is getting more and more popular: The Medicare supplement plan G! It is the best alternative to Medicare supplement plan F, as it covers all of the expenses that plan F does, apart for the Medicare supplement part B deductible. With plan G, all you´ll need to pay is the premium rate and the deductible 183$ annually.

Before choosing a plan, remember to compare between different health insurance companies. The premium rate cost can vary from company to company, so comparing can end up saving you a great amount of money! Also, remember that the best time to enroll to a Medicare supplement plan is during your open enrollment period, which is 6 months after the day you turn 65. After this period has passed, the premium rates can be very high and the health insurance company can even deny you enrollment.

Working Out As A Senior

Working Out As A Senior

As many people already know the older you get the harder it is on your body for you to work out such as running, or lifting weights. When you try to do sprinting or lifting heavy weights as a senior it’s very hard on your joints and bones. This is also because you muscles start to go away as you get older and you begin to get weaker, so performing these things at this age is almost impossible. This can make it very hard to gain muscle when you are old, which is why most older people know this and so when the do work out they work out to keep their body healthy and not to gain muscle or lose weight. So I will explain how to work out in a safe way especially when you do get older.

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Now if you are interested in lifting weights how much you lift at this age will depend on how much experience you’ve had before and how much you already are capable of lifting. For example if you have already lifted in the past then you will most likely be able to lift more weight and be fine doing it and feel safe doing it. But if you never have before then you probably should just start out with light weights ranging from five to fifteen pounds. I would only go over that amount of weight if you do have a higher muscle mass then normal at your age and have lifted weights before in the past and can actually safely perform these with good form. If you are lifting to much causing you to swing the weights you aren’t building the muscle properly and maybe not at all. If you feel like you can’t lift the weight without swinging it then you need to use a lower weight.

Cardio is the option that most older people seem to go to for good reason such as speed walking with maybe an incline or swimming exercises. It seems to be easier for older people to go to a class and follow the things that someone is telling them to do because it can be hard to follow a structure at the gym when you aren’t sure of what to do.

Whatever exercise you chose to do then that’s fine, just make sure that whatever exercise that you are doing that you are performing them with proper form otherwise you will not gain any benefit from them.

How to Have A Good Diet As A Senior

We all love unhealthy foods there is no doubt about that, it can almost be a addiction. And when you were growing up if that was something you were to eat everyday because that’s what you parents were to feed you it can be even harder to break those old habits since it’s something that you never knew wasn’t normal and wasn’t healthy. It can be even harder to break these habits the older that you get since you have been eating this way for so long and treating your body like that for so long. Here are what foods that you should start to limit in your everyday life and you everyday diet while it might be hard you will be doing your body a favour.

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The first thing that you need to make sure that you limit is your sugar limit, and I’m not talking about fruits I am talking about sugars that come from unhealthy foods such as cookies,cakes, and even cereal. There are a lot of hidden sugars in foods that you wouldn’t even think had as many sugars as they do. For example a serving a canned pasta sauce can have as much as twenty grams of sugars and that is only for one serving which is usually only a half of a cup. So the best bet you have is just limiting how many things you buy from a box or a can and making things for yourself with fresh healthy ingredients you know things that don’t contain any extra stuff unlike the whole food. Sugar is a big reason why a lot of people are over weight since companies hide them in there products and then market them as healthy options when in reality they aren’t healthy at all

The next thing that you need to make sure that you are limiting and not including in your everyday is a lot of fats like butter and cheese. While yes fats are good for us they are only good for us if they are healthy fats such as avocado, coconut oil, olive oil or salmon. These foods don’t have an saturated fats like foods like cheese, milk and other fatty foods have. These fats can be very hard on you heart and your body in general and can cause you to gain weight or just feel awful in general.

It can seem hard to change your diet at such an old age since this is how you’ve been living your whole life but it is for sure possible you just need to put your mind to it and tell yourself that this is what you need to do to be healthy.

Ride Hailing Apps

Use these great apps right from your smart phone for easy access to entertaining, convenient tools to make life simple. All you need is access to the internet, your web browser can be used for more than just researching Medicare supplement plans.

 

Uber is an app that essentially replaces the need for hailing a taxi. Rather than standing on the sidewalk trying to get a taxi’s attention, simply use the Uber app to request one to come pick you up right where you are standing. It uses a map that shows you exactly where you are and exactly where your driver is at all times, so you know how close they are to picking you up while you wait, and you know how close you are to your destination while you are in the car.

 

The app shows you the kind of car it is, the license plate number, and the driver’s name and the rating they have based on all of the other riders who have ridden with that driver before. You never need to exchange cash or payment during the ride, you simply attach your credit card to the app and the cost of the trip will be transacted through app itself. You can also share your trip information with friends and family so they can stay updated on your trip. These features all make Uber safe and secure.

Lyft is a competitor of Uber, performing essentially the same exact service of replacing the need for taxi hailing. They also use an app with driver info and rating, map, and secure payment methods. The only real difference between the two companies is the method they use to price their trips.

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It could be a good idea to have both of these apps actually, no need to be loyal to one over the other. Depending on where you live, the time of day, or the length of your trip, one app may be cheaper than the other one time, but more expensive than the other another time. Check both apps before you take a trip to see which one will be most cost effective for you. Many times the trip prices for Uber are fixed based on the distance you are going. Things like traffic and lights typically don’t affect the trip even if they ended up causing the trip to take longer than expected. However, Uber also uses “surge pricing” meaning at peak times of day, when there are an extraordinarily high number of people looking for rides, the very same trip that would normally be a lower price will now be more expensive.

Apps for 2018

Life has never been easier than it is today with smart phones. Having a tiny, extremely powerful supercomputer in our pockets means we have access to all kinds of great resources to use at our disposal. With access to the internet, your web browser can be used for more than just researching Medicare supplement plans.

 

Photo curating and sharing is incredibly easy and fun with the Instagram app. Regardless of your photography skill level, you can make your pictures look like professional photos using the app’s built in filters. Filters are preset overlays you can put on your pictures that adjust things like color, brightness, contrast, and hue to alter the image slightly and give it a fun, unique appearance. Once you’ve created the perfect photo, you can share it with your friends, family, and the world by posting it to your Instagram profile. It’s a great way to stay connected with people and enjoy the content that you and others post and share.

Medicare Advantage plans 2019

If you love networking and staying productive with your time, even during retirement, the LinkedIn app is a perfect way to stay connected to your professional network. Unlike casual social media apps that you may be familiar with, such as Facebook, LinkedIn is entirely meant for business and professional use. This is where you connect with people you have met or worked with in a professional capacity, and use that ever growing network to connect with more people that your connections might be able to introduce you to. The idea is to utilize the overall network of everyone you know to grow your own, with hopes that it leads to something productive for you and them.

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Perhaps there is a business deal or investment you want to go in on and are looking for someone to go in with. Your connections might be able to introduce you to someone with similar interests or skills that would make for a great connection for you. Many people use it to network to find jobs or to find employees for their companies. You can also use it to research companies you are interested in learning more about, or finding out who works there. It’s an incredibly useful tool for productive relationship building even for those in retirement. It could be the perfect way to finally introduce yourself to someone you have been trying to get ahold of for some time, but never had access to them to make it happen.

Types of Income

It’s not too late in retirement to continue learning about income and try to refocus your efforts a bit. Once you have covered all your bases from an insurance standpoint, and Medicare supplement plans, take a look at the sources of income you still have and see if there are any you might be missing out on so that you can live a fun and comfortable life during retirement.

 

Earned income is what we all know and love as good old fashioned work, earning a paycheck. It also comes from owning a business, which is much more ideal than working a job. If you think you are ok with finding part time work that involves something you really love, such as on a golf course, then maybe an easy job isn’t so bad. If you can run your own business, however, you will enjoy much more freedom and can hire employees underneath you to run the day to day operations instead of you. Start a lawn care or landscaping business instead, and try to get golf courses as your clients. You’ll spend plenty of time designing and maintaining golf courses all on your own instead of having to work for one.

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Portfolio income tends to involve a lot less effort than earned income. This comes from buying and selling stocks, Real Estate, art, or any other type of valuable items. Although it may require some upfront work to research what stocks or properties you want to buy, once the purchase happens there is very little to do, outside of passing the time, to be able to sell the item and make money on it. You will, of course, need to do a little more work to find a seller and actually complete the sale.

 

Lastly, passive income is the way you really want to go, especially during retirement. Passive income comes from assets you own continuously creating value for you. For instance, owning a home that you rent out to people is the perfect source of passive income. Earning dividends from certain stocks or assets is another form of it. This type of income is most ideal because not only does it involve little to no effort once the asset is acquired initially, but it continues to make you money long after regardless of any level of work you continue to put into them. During retirement, what better way to make money could there be other than that?

Passive Income Streams

Here are some great ways to keep money coming in even during your retirement. If you’ve covered all your bases and have all of your insurance in order with Medicare supplement plans, start considering adding some of these income streams to your life.

 

One of the most common forms of income, which you may already have coming in without even realizing it, is Capital Gains. Capital Gains is income from assets that you own increasing in value. This could be stocks you own or your house if you own it. This is a passive form of income that requires very little work or effort after the upfront purchase or acquisition of the asset. It’s making money while you sleep, the perfect way to do it.

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Rental income is another form of passive income and a fantastic, virtually effortless way to make really great money. Rental income could most commonly be recognized as coming from owning a house and renting it out to someone. If you have a tractor or other piece of capital equipment you could rent that out as well, or maybe special tools or other items that you happen to have that other people need. Any asset that you can let people use and return for a fee, including land or extra space you have, is rental income.

 

A form of income that many people might not even think to consider is Royalty income. This is making money by letting other people use your idea. It can also be derived from licensing something you created to other people such as a song, stock photo, or intellectual property. Royalties may be more difficult to come by if you haven’t created anything or don’t want to spend the time or effort creating something. However, if you are able to, royalties are another great form of passive income, requiring little to no effort once the original work took place and continuing to make money on it long after.

 

Passive income is the best way to make money, ensuring the money you make is not dictated by any amount of work you have to put into it. It will keep paying after the work has been done, making it one of the best ways to be financially independent from having to rely on earning a paycheck. If you are able to spend the time setting up passive income for yourself, it could make for a fantastic retirement.

Music Apps in 2018

These days technology is providing us with more and more unbelievable tools to enjoy our lives. Most everyone has a smart phone, and with that comes access to the internet and an endless number of apps to play around with and enjoy. Your web browser can be used for more than just researching Medicare supplement plans. Take a look at these helpful apps everyone should have on their smart phone.

 

Music

Everyone enjoys listening to music and being able to do that right from your smart phone is as convenient today as it has ever been. Music apps allow you to either download music to your phone or device or use the internet to stream music live without having to download it. Spotify is an app that you can have for free that lets you listen to music and informational podcasts with ads that play every once and a while. Or you can opt for the paid version for a monthly fee that eliminates ads so you can listen uninterrupted.

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iHeartRadio is an app that lets you listen to any participating live radio station right from the internet. If you travel a lot, or have moved recently, and know that there’s a radio station out there that you love and can’t get where you are currently, iHeartRadio will let you listen to it anyways, entirely for free. Pandora Radio is a similar app that also has a free and paid version that either plays ads or eliminates them. With Pandora, though, you can create your own radio stations by searching for music you love and allowing it to play similar music based on your likes and dislikes. It will use algorithms to build playlists of music based on what you tell it you enjoy listening to.

 

Once you have all your music and podcast apps lined up, try your hand at Audible. It’s an app that allows you to buy audio book versions of the books you love and will read them aloud to you. This is perfect for listening to during long trips in the car, going for walks outside, or just playing from your smart phone in your home while you clean up around the house or hang out. Rather than having to actually sit down and read the entire book, let the app read it to you while you do other things. The app is free, but you have to pay for the audio books or pay for a subscription to the website to get credits for books.