Is Moving to a Retirement Home Good?

To move or not to move.

Do you know what earth balling a tree is?

Earth balling a tree is the digging it out from the earth, in a circular shape, leaving most of its root system undisturbed and intact, and moving it to a predetermined place.

In more ways than one, earth balling a tree is very similar to moving to a retirement home.

First: It is done with good intentions;
Second: It requires uprooting an entire root system;
Third: Both are done after very careful consideration, evaluation and consultation to make sure the activity satisfies all the parties involved.

Moving to a retirement home requires no less amount of careful consideration, consultation, and evaluation because it can have very grave and irreversible repercussions.

According to the AARP, 90% of seniors want to stay in their own homes. Of these, about 5% are thinking of moving to a retirement home (U.S. Bureau of Census), while another 5%, into nursing homes.

Read more

What Concerns Elderly People Most

Health Secrets

Happy days are here – finally!

In 2014 the annual average of retiring Americans was 4 million. For them, it meant the beginning of a new life. After many years of working, the time has finally come to shift from work life to home life.

The day they all have been yearning finally came – no more mad rush to the office each day, no more stress from meeting objectives and deadlines, no more pressure from subordinates and colleagues, no more demanding bosses to deal with.

For them, retirement is the beginning of a perfect life. Or is it?

For many, especially those who did not prepare for retirement, the euphoria is short-lived. Very soon they will be faced with very serious concerns common to a lot of seniors. These are:


1.  Money:
At retirement, you stop earning, yet continue spending. And if you don’t have a large enough retirement savings, investments or pension plans, money issues will stare at you directly in the face.

For example, according to the Employee and Benefits Research Institute and Greenwald and Associates, 28% of Americans say they have less than $1,000.00 in savings and investments for retirement, 1 in 3 Americans say they have no retirement savings and 56% say they have less than $10,000.00 saved for retirement.

For them, money is a very real issue. Some of them will be driven out of their homes into shelters for the homeless, live off meager social security benefits, and line up in soup kitchens in order to survive.


2.  Feeling Useless:
Suddenly left with nothing to do, at retirement a lot of seniors feel lost, useless, adrift and without a purpose.

This is especially true for those whose children have grown up and moved away to start their own lives.

According to psychologists, feeling useless is a mindset probably fed by negative beliefs dating back to one’s childhood.

Younger people can easily snap out of it but not seniors. More often than not, they need some support to make them feel important, needed and useful. They need help so they can find themselves back to the mainstream.


3.  Loneliness:
As we grow old, our social circle shrinks due to medical issues, death or relocation. And away from the regular interaction in the work environment, they suddenly feel alone and isolated.

Loneliness is one of the major issues faced by seniors that cannot be taken lightly as it can lead to various physical and mental issues. It can even lead to early death.

Live alone seniors and those with active social life in their adult years are particularly susceptible. They, too, need help in establishing a social circle they can identify and blend with.

Loneliness and feelings of isolation can be very debilitating.


4.  Neglect and Abuse:
Elderly abuse includes physical, emotional, sexual, exploitation, neglect and abandonment.

Rough estimates show that 1 in 10 Americans aged 60+ have experienced some form of abuse. Another study shows 1 in 14.

What is sad is that the perpetrators are mostly children, other family members and spouses. Some are perpetrated by nursing home staff, assisted living facilities, and other types of facilities for seniors.


5.  Health:
According to the NCOA (National Council on Aging), approximately 92% of seniors have at least 1 chronic disease, and 77% have at least two.

The most common are heart disease, cancer, stroke, and diabetes, which account for two-thirds of all deaths among seniors each year.

These diseases also account for roughly 75% of all public expenditures for health care. Ironically, only 1% is spent on improving people’s overall health.

At retirement, most seniors are left to fend off for their health problems, adding more pressure to their money issues.


6.  Moving from one’s home:
Roughly 12.5 million elderly Americans live alone. For them, there is no place like home. And they don’t want to move; they prefer to live the rest of their lives at home.

Unfortunately, circumstances may dictate that they move to assisted living facilities or nursing homes. It a choice usually made by family and which they dislike. For them, it is an end-of-life situation.

It means leaving behind familiar surroundings, places, and people and be with strangers. Some easily adapt to their present reality, but others can’t.

I have long retired from my job and currently living alone in my home with a house helper to attend to my needs.

I am very familiar with most of these concerns, particularly money. So far my children have seen to it that I am well-provided and they haven’t subjected me to abuse or asked me to move to a nursing home.

But when you are old and depending on someone, you could never tell when the rug is pulled off your feet. I am still covered financially until the end of the year. That means I have to find a way of replenishing my fast-dwindling resources. Fortunately, I have the skills and healthy enough to do that.

Some seniors are not as lucky as I am (if you can call it that). They don’t have much room to wiggle out of these concerns. And these are very serious concerns. They can very well transform ones retirement from being idyllic to a living hell.

What about you? What are your concerns? Please join the discussion.



10 Ways to Keep You Busy at Retirement

Health Secrets

Soup kitchen senior volunteers

Do you feel bored and listless in your retirement; purposeless maybe?

Chances are that you have too much idle time in your hands. You are spending the entire day doing nothing significant, fruitful or productive.

Everyday millions of people hit retirement age. And unless they have carefully planned what to do from day one, they will face the same dilemma among retirees who no longer head out of the office each day.

Read more

Warning: What Happened to Steve Can Happen to You

Online Fraud – the crime of the 21st Century.

Steve was having a retirement life that could make a lot of seniors green with envy. A live-alone, 65-yr-old dude, he is medically and financially sound. But his retirement funds were not giving him a satisfactory return so he thought of investing a part to diversify his portfolio.

That’s when his troubles began.

This is his story…


Read more

To Move or Not to Move to a Retirement Community

Home is where the heart is – even at retirement

About two years ago I thought of selling my house and move to a retirement community.

I checked out a couple of them, but decided against it for three reasons:

First: Both are surrounded by high walls making them look like prisons. I don’t want to spend the rest of my days staring at formidable and lifeless concrete walls around me;

Second: It is another expense item considering that my house is mortgage-free;

Third: I have a great support system, i.e., my kids and their spouses love and support me, I am happy with my tennis buddies, my coffee shop friends satisfy my social and intellectual needs, and I live in a town I was born in and practically know anybody and everybody worth knowing.

What about you?

If you are enjoying the things I am enjoying, it’s definitely better to stay home.

But if something is missing in your life, a retirement home may be a good option.

Moving into one is not easy, however. To help you decide, here are some points worth carefully thinking about.


Benefits of Staying Home

1.  Familiarity:
Familiarity with your surroundings is a great factor to your happiness and wellness. You know your home like the back of your hand, your neighbors, the community and its amenities, even the names of the check-out girls in your friendly convenience or grocery store.


2.  Fear of the future:
Whereas aging is inevitable, the future is fearfully uncertain.

That fear is minimized when you are close to family, relatives and friends who can help you should the inevitable happens


3.  Availability of resources:
With the current developments in home care, and the latest in technology, you are never far away from necessary resources to make your retirement as enjoyable and safe as possible.

And the nearness of people you know is very comforting


4.  Lowers friction between you and parents:
When my children got married and moved away from our home, I was gripped with sadness and gloom. I thought I could not survive without them.

My fears proved unfounded. I enjoyed my lonesomeness when I got over the denial period.

Parent/children relationships are always ticklish. It becomes even more so if we consider the in in-laws.

I and my children (with spouses) bond very well. I strongly doubt if it will be as good had I lived with them, or vice-versa. The differences in personalities will eventually result into some friction.


5.  Removes feelings of isolation:
You may not see your children as often, but you know that they are just a drive, a text or a call away. And that makes you feel connected.

You may get lonely at times, but knowing that you can talk to them anytime you want to, removes that feeling of isolation seniors often feel.


6.  Enjoying the best of both worlds:
Living alone in your own home is kind of enjoying the best of both worlds – being independent, yet surrounded by people who support, care and love you.

I spend my afternoons in a coffee, do what I want to do, date whomever I like, and travel as much as my finances allow me.

Modesty aside, not many of my close friends are enjoying retirement as much as I am.

7.  Cheaper:
Staying home is definitely less expensive, especially if you are mortgage-free.

Depending on accommodations and amenities, a retirement home can cost a fortune, which may be out of your budget.


8.  Avoid elderly abuse:
Elderly abuse is on the rise and the culprits are either close family members or retirement home staff.

What makes it very problematic for the victims is that those committed within retirement institutions are often swept under the rug, whitewashed, or hidden from the public.

If you stay home, there are plenty of avenues to seek redress from if you are victimized by close family members, relatives, or neighbors.


9.  You are with the majority:
According to the AARP, about 90% of seniors want to retire at home.

They think that if they have survived all these years at home, they will survive the rest of their days.

“Home is where the heart is,” as the saying goes. And I could never think of any other place to breathe my last.


When to Consider Moving to a Retirement Home

1.  If bored with familiarity:
Living alone can often make you feel isolated, even in the midst of family, friends and community. You can be bored to death.

Moving to a retirement home is a change in scenery for you. You get to meet new people, live in new surroundings, and get involved in community activities. It is invigorating.


2.  To feel safe:
Retirement homes are often gated communities, complete with security personnel and emergency response systems in each apartment.

They are practically free from thieves and con-men unless you invite them in out of na·ive·té.

They give you a sense of safety and peace.


3.  To avoid home chores:
A retirement home is perfect for elderly people with physical ailments that make it difficult to work in the garden, climb ladders to change a light bulb, shovel snow, fix a leaky faucet, or simple home maintenance activities.


4.  You want to unburden your children:
Being close to your children can often cause some sort of dependency which can strain relationships.

Moving to a retirement home removes that kind of dependency. You give them some breathing space, and you learn to fend for yourself.


5.  If you want to have more fun:
Retirement communities offer a wealth of activities to keep you engaged, like a game of chess, bridge, poker and many other card games.

They have reading and discussion groups, group exercise and more. Some even have classes and lectures on every conceivable topic.


6.  To avoid the stress from driving:
Retirement communities provide free transportation for the residents.

Driving can be very stressful when we grow old due to the deterioration of our reflexes and vision. However, if you still drive, they provide parking space for your car.


7.  Better nutrition:
One of the major concerns of live alone seniors is lack of proper nutrition. Not many of can cook, know how to prepare nutritious food, or the mobility to buy the necessary foods for their health and wellness.

Retirement communities don’t have this problem because nutritious and tasty food is served every day of the week.

Although 90% of seniors want to retire at home, the market for retirement homes is exponentially increasing each year as more and more baby boomers retire, and retire in style.

Marketers of retirement homes provide prospects with a wide array of choices – from simple communities, to homelike accommodations, to something like a luxurious, high-end hotel or a cruise ship. But they can cost as high as much as $ 50,000/year.

Because of the wide array of choices, getting one that fits your needs and budget requires a very careful review and inspection of what you are buying. They are not all created equal.

Either way, both home retirement or on a community costs money.

The bottom line, therefore, is the cost/benefit relationship of each.

Go for something that gives you the most out of every cent you spend in terms of safety, peace, happiness, overall well-being.


Health Secrets