Friday, March 24, 2017

Get Ready for Your Golden Years

You might be young, fancy-free and full of energy right now, but the fact is we all get old, and if you want to enjoy your golden years in good health, comfort, and style, you need to start preparing for them right now.

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Here are some simple tips to get ready for your golden years and ensure they are as good as your life is now:

Exercise
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It seems like exercise is touted as the answer to most problems in life, but when it comes to being fit and healthy in your old age, staying active now really does matter. Not only will regular exercise help you to stave off a number of diseases, including heart disease, diabetes, and osteoporosis as you age, but aerobic exercise can also stave off degeneration of the brain, which leads to Alzheimer’s.

Practice Yoga

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As well as aerobic exercise and weight training (good for the bones) you might want to start practicing some light yoga. As you will probably know, falls are a real health hazard to older people, who are much less able to heal from the injuries they sustain. Yoga can help to prevent falls by increasing your balance and flexibility.

Save Money
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You won’t be able to enjoy your golden years if you’re unable to retire due to a lack of funds, which is why you should start saving for a pension right now if you’re not already. Ideally, you should save a percentage of your income which is equal to half of your current age if you want to have a comfortable retirement.

Purchasing an endowment insurance provides you both savings and protection because it will pay out a lump sum after a fixed period of time, or upon your death depending on which you choose, so buying such a policy alongside your pension could be a good idea if you want to be able to afford those little luxuries you enjoy now as you age.

Live Within Your Means

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You shouldn’t stop doing the things you enjoy now so that you can be more comfortable when you reach your golden years, but you should try to cut down on the unnecessary expenses which don’t really make you all that happy now anyway. The money you save can be used to pay into your pension, put into savings or go towards buying a house, which will give you some security in the future.

Cultivate Hobbies
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Retired people who have lots of hobbies tend to feel happier and live longer, healthier lives than those who leave work and have nothing to replace the time with other than watching TV and slowly wasting away. Of course, you can always take up new hobbies when the time comes, but if you cultivate a few key interests now, you’ll be ready to jump right in and really enjoy your golden years without boredom.

Start a Travel Fund
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If you’ve always wanted to see Angkor Wat or visit London, but you’re always too busy with work to take a long trip, save a few dollars each month and by the time you retire, you’ll be able to visit all those places you’ve longer to see.

What are you doing to ensure your golden years are some of the best? Comment down below!

xoxo,
Therese
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