November 18, 2017 — Anybody who has spent any time preparing for their retirement quickly realizes that it isn’t that easy. Sure, you can retire one day and just float along, but it probably won’t work out too well. For one thing, you might not realize until too late that you can’t afford to retire. Or you retire somewhere, not knowing that there is actually a much better place for you to retire. And even if you are wealthy, you might retire unhappily, woefully unprepared for how to stay busy and fulfilled.
In this article we have assembled our top 10 retirement tools for your consideration. They are tools we have used and know to be helpful. We have grouped them into categories for your convenience. As always, please share (more…)
Posted by Admin on November 18th, 2017
November , 2017 — This installment on Medigap (supplemental) insurance is the latest in our 5 Part Medicare series, which has important implications for everyone as they reach age 65. Don’t miss Part 1: So You’re Turning 65: Here Is Your Guide to Medicare 101, and Part 2: Which Is Better, Original Medicare or Medicare Advantage (Links to Parts 3 and 4 at end of article).
In this article we will first explain what Medigap insurance is, and then how to find, compare, and buy a plan. Then we will reprint many of the Medigap comments that Members have posted to our other Medicare articles. We think you will find their collective wisdom useful.
Medicare BasicsAs a refresher, original Medicare includes Part A (hospital coverage) and Part B (doctor services). Almost everyone eligible for Medicare (more…)
Posted by Admin on November 13th, 2017
Family and Retirement
November 10, 2017 — Today is the official celebration of Veterans Day because the actual date, Nov. 11, falls on a Saturday this year. Veterans Day remembers the 11th hour of the 11th day of the 11th month, when the Armistice to end WWI, “the war to end all wars”, was signed and hostilities ended. We know that many of our Topretirements members are veterans, and that virtually everyone has a relative who served to defend our wonderful country. We are in debt to you, and especially those killed in action and their families; your sacrifices have made our freedom possible.
The timing this year is propitious, as I just came into possession of my father’s WWII dog tags (pictured). My dad, like so many of our baby boomer fathers, served in this world changing war. A newly minted dentist, he volunteered in the US Public Health Service and Coast Guard as the war broke out. According to the legend my father, who didn’t clear 5’5”, had to hang from a bar so he was tall enough to get his naval commission. His first assignment was to British Columbia in Canada, where he provided dental services for the workers building the Alaskan (Alcan) Highway, that amazing project to shore up the defenses of vulnerable (more…)
Posted by Admin on November 10th, 2017
Best Retirement Towns and States
November 5, 2017 — There is a certain kind of person for whom a great place to retire means being right in the thick of it. Not stuck out of town in an active community, where every trip to anything beyond the clubhouse or golf course means climbing in your car. Nor the suburbs or a distant lake, which have the same transportation problems. For the kind of person we are thinking of, the perfect place to retire is one where your home is a comfortable walk, bike, or transit away from a vital downtown teeming with restaurants, shops, and cultural opportunities. We’ve reported on the best walkable places to retire before (see Further Reading below); here are ten more excellent places to consider.
Just about any big city has some wonderful neighborhoods where you can enjoy the urban experience. The same goes for very small towns. In this selection of 10 towns with great downtowns we concentrate on finding smaller cities for retirement, usually somewhere between 25,000 and 100,000 people. We’ve chosen places with interesting downtowns where there is a lot to do, and that feature nice neighborhoods with easy access to all these (more…)
Posted by Admin on November 5th, 2017
Coming Soon… How to Buy a Medigap Policy
November 1, 2017 — Today is the opening day of the abbreviated Open Enrollment period for Obamacare/aka the Affordable Care Act. We know many of our younger Members are retired before they wanted to be, or work for companies that don’t offer health insurance. If you don’t have health care insurance, and you are not yet 65 or otherwise ineligible for Medicare, you have until Dec. 15 to do something about it.
In this article we will try to outline the basic facts about how to sign up for Obamacare. Many people assume, incorrectly, that Obamacare is dead. To the contrary, although wounded by Congress’s umpteen unsuccessful attempts to repeal it and the President’s recent executive actions, the reports of the ACA’s death are greatly exaggerated, to paraphrase Mark Twain. It is still the law of the land and the vehicle for over 10 million Americans to get affordable health insurance. You can still sign up for (or change) health care insurance for you and your family without worrying about having to pay extra or be declined for pre-existing conditions. And if your income is under $50,000, (more…)
Posted by Admin on October 31st, 2017
October 30, 2017 — Reposted with permission from JungleRedWriters.com Blog
LUCY BURDETTE: Lots of people have asked me how the Florida Keys and Key West are faring after Hurricane Irma roared through. Friday was the first day we were able to see for ourselves. Honestly, it was a bit of a grim ride south, especially the area stretching from Marathon through Big Pine, where the eye blew across the islands. The road is still lined with piles of trash, boats washed ashore, and mind-boggling deposits of (more…)
Posted by Admin on October 29th, 2017
Best Retirement Towns and States
October 25, 2017 — For the person looking for a urban retirement on a small scale, it is hard to come up with a better choice than Greenville, South Carolina. It has parks and a downtown that attracts people every day of the week, including Sunday morning. There are plenty of housing opportunities downtown that let you walk to just about anything you might need. There is an ever expanding bike path that runs through the heart of the downtown and 8 miles up the road – through the Furman University campus and on to Travelers Rest, SC. The cultural scene is hectic with frequent festivals, multiple events, and an array of cultural resources.
This fast growing town in northwest South Carolina has 68,000 citizens in the city proper, while the larger MSA area including Spartanburg approaches 1 million. The downtown has been the subject of intense and successful redevelopment efforts. Those have paid off, as the city won Great American Main Street awards from the (more…)
Posted by Admin on October 24th, 2017
Active adult communities
October 18, 2017 — The allure of Arizona’s warm winters, mountains, and deserts has made it a retirement magnet for a long time. Although most people who retire here come from the midwest or west of the Mississippi, it also attracts a fair number of retirees from the East. Some retirees come here as snowbirds for the winter months only, while others move to the Grand Canyon State full time. However they come, Arizona is one of the most popular places in the U.S. for retirement. This article highlights the 15 most popular active adult and 55+ communities in Arizona, as measured by visitor interest at Topretirements.com.
We encourage you to use our Arizona Directory of Active Communities to explore the more than 150 active adult and 55+ communities we have reviewed there under 36 towns. You can also use our Advanced Search to find communities by state, size, expense, type of community, (more…)
Posted by Admin on October 17th, 2017
Work and Volunteering
October 15, 2017 — The idea of retirement is supposed to be – that you get to relax and not work anymore. Unfortunately that concept is running up against a harsh reality; not having enough money to retire. In this article we will talk about some creative ways folks in that predicament are managing to survive.
A harsh reality
A record one in five Americans over 65 is working today, a reflection of our longer lifespans and a changing world. An increasing proportion of retirees in the workforce coincides with the avalanche of baby boomers hitting retirement age; the oldest boomers are 71 this year. Although many are employed because they like working, millions of others are forced into it because of their fragile finances. Three quarters of Americans between 55 and 64 have less than $30,000 saved, according to the AARP. According the Center on Budget and Policy Priorities, Social Security constitutes at least 90 percent of income for more than one-third of retirees. And, since (more…)
Posted by Admin on October 14th, 2017
Best Retirement Towns and States
October 11, 2017 — We wanted to alert you that our very popular series on finding Affordable Places to Retire on the Coast (Part 2) has been updated. Real estate prices for all 10 ten towns have been updated (almost all went up since the list was created in 2014), and we substituted 2 new towns. Astoria, Oregon is no longer so affordable, and we found Chestertown, Maryland to be a lot more interesting town for retirement than the one it replaced.
Check out the Updated Article!
Posted by Admin on October 11th, 2017