July 20, 2019 — Here is one thing in this increasingly divided nation that we can agree upon — we all hate Robocalls! These annoying and persistent calls often come right around dinner time from numbers and names that look familiar. If you answer, it is about a scam trying to part you and your hard-earned money and security. Even when enrolled in DO NOT CALL registries, the problem is so bad that many people have stopped answering their phone unless they are sure who is calling. The problem is also spreading to text messages.
For this article we have done some research to find out the best ideas for how to minimize the problem. Here we go:
July 17, 2019 — Those of you who have been members for a few years might remember our two-part retirement exploration of Michigan’s eastern coast in 2017. Today we are happy to follow up with a report on our recent visit to the Michigan’s Upper Peninsula.
The Upper Peninsula lies between Lake Michigan on the south and Lake Superior on the north. People have described it as looking like a fist with the thumb sticking out in the northwest portion. The area is sparsely populated and has a rugged climate. We visited two towns east of Marquette. Both would be interesting places to retire, although for most people only as a summertime residence.
July 15, 2019 — Hiring a good financial advisor is a difficult job for most people. Although there is no shortage of solicitations that appear in the newspaper, come in the mail, or through a phone call – how do you know if the person who tells you they are so gifted is really that great? Someone who will look out for your interests, not cheat you, protect your hard earned savings, and actually make your savings grow. After all, your money represents your financial security, which makes making this decision so important and so difficult.
A while back we profiled a number of tips for hiring a good financial advisor (see Further Reading at end). This feature will build on that and provide some tips for how to evaluate the person you hired, or the one(s) you might be considering for the job.
Seven things to look for
Trust your instincts. Your intuitions and first impressions are always important. If you feel like you are being swept along into a decision and little voices tell you something might not be right – stop and listen. Further exploration might clear them up, but never dismiss your reservations.
July 8, 2019 — If you are looking for a place to retire where it is tranquil and beautiful with a cool temperature, you might want to consider Scotland. Topretirements just got back from an enchanting exploration of the country, which definitely lives up to the beauty you have seen if you are a fan of Outlander, Monty Python, the Davinci Code, or Game of Thrones , all of which had important scenes filmed here. A country that is part of Great Britain, Scotland is bigger than you might think, about the size of South Carolina, with 130 inhabited islands. It has a tremendous range of regions where you might want to retire. And even that holds no interest for you, Scotland still makes a wonderful retirement trip!
There are livable cities like historic Edinburgh or Glasgow. Charming market towns like Peebles or Moffat. University towns like St. Andrews. Or you could choose to live in a town like Portree on the stunning Isle of Skye. The areas around the many lochs (lakes) provide idyllic living choices. One of our friends would like to retire in Scotland because he likes its relaxed atmosphere and cool climate. It is also rainy much of the year, which is one reason why everything seems so green and there are flowers – both wild and cultivated – everywhere. But as beautiful and charming a place as Scotland is, there is one great problem – it is very difficult, but not impossible for an American to retire here. But more about that later.
July 5, 2019 — What you drive says a lot about you. And if you live in a big retirement community where the preferred way of getting around is by golf cart, why not drive something that reflects your personality?
That is what is happening in places like The Villages,where many of its 120,000 residents are getting around in golf cars that look like Corvettes, Hummers, and even 18 wheelers. It has spawned a cottage industry that customizes them into all kinds of fantasies. While an ordinary golf cart might sell for $11,000, a specially tricked out version can go for $20,000 or more, some retired couples have two of them in their carports.