Plan for the Senior Years
Plan for the Senior Years
One doesn’t have to look far to find seniors in deplorable conditions. The later years for you or your loved ones arrive sooner than expected - especially if those close to you could let you down. All the more reason to:
Plan A will, trust?, power Аккумуляторы цены of attorney for finance, living will, Medicare supplemental insurance, long term care insurance [both ridiculously complex], final arrangements and possibly a final move [70% of seniors spend the rest of their lives in the place they turned 65].
Reasons for moving Be near children [70% of those over 65 live within an hour of a child], cost of living, climate, assets tied up in house, house and yard are too much work, neighborhood’s gone downhill ….
Final move - meaning move, unpack, try to find things, change addresses, banks, subscriptions, phone numbers, phone books, insurance …… begin learning the streets and stores, looking for a doctor, dentist, mechanic, plumber … and letting go of the ny real estate executive search firm small, familiar things of the past. The earlier you move, the earlier you begin these adjustments and the bigger the residence you can afford to buy. [If you can afford a house now, you might be able to Вспышки цены afford only a condo later. The earlier you move, the sooner you can begin remodeling you might need for your
later years. Seems your final move is your last and best chance to beat the game and should come before everything else.
Retirement communities [senior trailer parks, apts, co-ops, condos ....] Many of these offer safety, quiet, recreation, transportation, access to health care, handymen, laundry, and some political and economic clout. They offer being around one’s peers, which means more people home during the day to mix with, safe walks at night, and being around peers who’ve planned ahead enough to be in such a place and be less of a burden on their relatives.
Living like this, away from the competitive ‘outside world’, is like seeing your grandchildren – you enjoy the ‘outside’, but are glad to drive thru the gate to your home where it is safer, quieter, more orderly, and well-maintained. It is so relaxing. Seniors deserve it; they’ve paid their dues.
Residence You want for use [or for resale value in a retirement community], to be on the ground floor with no steps at at least one entrance, to have 36” wide doors, low thresholds, door levers instead of knobs, lower light switches and thermostat, higher outlets, handles in luxury accommodation florence shower, lowered bathtub, and interconnected [photoelectric] smoke [and heat?] alarms in attic, basement, and garage connected to smoke alarms in most rooms - Электронные книги цены when one goes off, they all go off. You might want an automatic interior sprinkler system. You want short pile carpet with a pad that is not spongy, no throw rugs, safer and easier appliances and tools, sensor lights for security, an intercom, and ceiling fans with remotes to help air out the house daily and reduce energy costs. If your hobby is home repair, you want a fixer-upper; if handy, a garage; if gardening, a Стиральные машины цены yard; if the internet, access; other - http://www.seniorresource.com/ageinpl.htm/. Another thought is that renegade real estate riches these provisions would be helpful should you become disabled due to an accident.
Car
A big one or a minivan, making it is easier to get in and out of. Automatic seat belts and the latest safety features [abs, traction, stability control, side curtain airbags], global positioning system, backup warning system, cell phone Наушники цены or emergency phone http://www.emergencycellphones.com/, AAA membership, a wide garage СВЧ соло купить for easier access to your car and more storage.
Money
* The average American spends l8 yrs in retirement.
* Only 2% are independently wealthy.
* Experts estimate a Утюги купить [middle income] person needs about 70% of his pre-retirement to maintain his standard of living. Low income-earners need 90% or more.
* Social Security pays 40%.
* http://www.a-guide-for-seniors.com/index.html
* http://www.aarp.org
* Reverse mortgages etc. with caution.
Al Garner [has lived in www.lwlagunawoods.com since march ‘03]
Al Garner, 50l8 jardin, laguna woods, ca 92637, 1 949 837 2662, garner@Lworld.net Lived in NY slums during SERPICO …… worked in welfare, child neglect, drug abuse, juvenile detention …… domestic version of the peace corps …… taught Eng. …… worked on Capitol Hill during Watergate …… started home for mental patients (living with them for two years) …… landlord since ‘78 … … retired … … write (as a hobby) on social issues - http://home.Lworld.net/~garner
Choosing a Digital Camera: Making Sense of the Technobabble
If you’re like most people, you don’t know a megapixel from an f-stop, you just want a camera that works well and takes nice pictures. But the ads and websites are almost drowning you in computer jargon and mysterious numbers.
The good news is that today’s digital cameras are much better than even a couple years ago, and most cameras from reputable brands will do a decent job. So the pressure’s off; don’t worry about your decision too much. Armed with just a little understanding, you’ll be able to find a camera that fits your needs and won’t break the bank.
Here are the things you’ll want to look for, and how they’ll affect your digital camera experience:
1. Megapixels
I’m listing this one first not because it’s really the most important, but because it’s the one the camera makers harp on the most. You’re going to see a megapixel number in every camera ad and product Телевизоры цены listing, so you might as well know what it is.
In a nutshell, the number of megapixels a camera can capture describes the level of detail and sharpness you will get. A 3-megapixel camera divides a photo into three million individual dots and records the color of each one of them. A 10-megapixel camera divides it into ten million dots, so of course it is recording more details.
However, it usually stops mattering after about 6 megapixels. That’s because this is already enough resolution for photographic-quality 8×10″ prints, which are the largest that most people ever make.
Having a larger number of megapixels than that does give you some extra freedom - for instance, you can crop part of your photo away and still have enough for a large, high quality print.
But if you don’t think you’re going to be making poster-size prints, or using photo manipulation software to crop large areas out of your images before printing them, then don’t worry too much about extremely high megapixel counts.
2. Zoom
Zoom comes in two flavors - optical and digital. It’s usually expressed as a number followed by an “x”. A zoom listed as “3x”, for example, can make the subject of your photo appear three times larger. That’s a typical zoom for pocket-sized cameras, but larger digital cameras may have up to 12x or more.
Optical zoom means lenses, just like with film cameras. The size of the image is increased by moving two lenses farther apart from real estate multilist search each other in the camera. If the lenses are of good quality, then the resulting enlarged image will also be sharp and clear.
Digital zoom, on the other hand, is not so useful. Using digital zoom always decreases the quality of your image; no serious