Always remember the ups and down soon after your retirement

Always remember the ups and down soon after your retirement

Seniors need to be aware of the fact that your retirement will not be an all bed of roses but sometimes a bed of thorns. That means that you are prone to facing a number of challenges that might jeopardize you retirement enthusiasm. There are a number of challenges which are also known as ups and downs of retirement. These are problems which might be resolved by being psychologically prepared and not preparing for the best rather than preparing for both the worst and the best. Here are some of the problems you might encounter and ways of preparing well to face them.

You will face boredom and loneliness

As soon as you retire, you will soon realize that you have a lot of time that is spend on doing nothing but resting. With that, you will either be forced to stay indoors or stay outdoors without doing anything. For some seniors who have become used to working, it is a tough thing to sit idle while doing nothing. When you are bored, that becomes the time when you start thinking about the past and the things that you were not able to achieve. In order to handle such a challenge, it important for you to find something that will help you consume you time. For example, if you are in a city, you can come up with a flower garden project where you will be planting flowers just to enjoy it as an activity as well as making it an opportunity to spend your time in the right way.

You might not get the right type of friends

Friends tend to reduce when you advance towards seniority. This is basically because as you grow older and eventually retire, the little friend whom you had closer to you may not be in a position to meet you or visit you at all times. Moreover, considering that the young generation makes a huge percentage, it becomes a challenge for you to have the right kind of friends. In order to solve this, you need to make sure that you be an outgoing senior who is social and ready to be friends even with a 2 year old child. In so doing, you will realize that you have many friends and that boredom is not part of your life anymore.

Planning for Health Insurance

Planning for Health Insurance

If you are enjoying social security benefits, the federal health insurance administration agency will contact you a few months before you become qualified. Else, you must register at least 3 months before you turn 65, even if you are not retired and do not want to retire early. There are also special cases where you can apply before 65 years of age. This includes public sector employees who have been disabled before age 65 or have permanent kidney failure. After you register at you will receive a Medicare card that tells you which parts will offer you insurance.

If you are eligible for Part A for the first time seven months to enroll in Part B. If you delay the application, it is possible that your insurance has been delayed and your rates are higher. However, you have the option to enroll annually for the general enrollment period, which begins on January 1 and ends on March 31. Insurance for Part B will begin on July 1 of the year of registration.Given the possibility of an increase in spending, why not register instantly? The most popular reason is that you already have health insurance that you decide to maintain. Though insurance for hospitalization (Part A) is available at no cost for almost every person, health insurance (Part B) includes a monthly premium.

Health Insurance 2020It is important to measure whether supplemental coverage is worth the extra monthly expense. There are no right answers to that question. It depends on your personal situation and the type of insurance you already own. Discuss with an insurance broker to know how a private plan and Medicare Part B and will function together. Now, this is especially vital for persons who benefit from a family policy. It should also be borne in mind that neither health insurance nor private health insurance usually provide nursing homes or that long-term care needs have to be organized separately. For individuals who choose to delay their registration in Part B, persons with an employer policy have a particular period for registration. The special registration period allows access to Part B at any time while still being secured by the group plan and up to 8 months after the end of group or work insurance (as it happened before the event) without penalty.

If you choose Medicare Parts A & B, you can buy Medigap, which is a Medicare supplement policy. Medigap supplements are private insurance policy that provide insurance for part of the uninsured Medicare health costs such as deductibles and shared payments. Medigap is not the same as a Medicare plan (Part C) and cannot be utilized if you have Part C insurance.

Medicare Advantage is a way to get Medicare Part A and Medicare B via private insurance while Medigap adds the cost of the initial Medicare Part A and Part B benefits. There are 14 Medigap policies with letters A through N. The Medigap A plan has the lowest insurance, while Plan N offers the highest insurance. Medigap providers may use the medical risk assessment to accept the request and the amount needed to pay for the plan.

Individual Health Insurance: Things to know before buying

Individual Health Insurance: Things to know before buying

Why do you need to purchase an individual health plan? Are you self-employed or does your employer offer health insurance coverage? These issues are quite obvious because most companies in the United States offer health coverage to their employees. Many small businesses at the same time, do not have this option. The self-employed also need to buy health plans from private companies. Does that bother you? Do you think it is a difficult task to choose and choose a health insurance plan for your needs? Here is something that can take you out of the quagmire.

When you want to buy something for which you would be paying a considerable amount of money, the best option is to buy around; Get some price quotes from different providers and then select. The same happens when buying a health plan. Simply purchasing a plan with a cheap prize does not suit your long-term needs. The best option is to ask the providers to spill some quotes in front of you and then decide which of them is combined with you. If you feel hesitant about the plans or some terms used by him, ask for help from some non-profit sites. These sites provide help in purchasing health insurance if you answer some questions about your home. These sites include companies and policies that are more suited to your needs according to the date provided.

When you buy general health insurance policies, you will find two main levels of coverage. The first level would be a basic coverage that is limited to all the care and services related to hospital admissions; while the second level would include comprehensive coverage that includes care and services in the hospital, as well as medical services, laboratory tests, x-rays and other explorations, etc. The choice of Cigna Health Insurance 2020 from
health insurance coverage is based on the premium you are willing to pay and the level of medical treatment you usually need. If you need ongoing medical treatment, you may want full coverage, but you will have to pay more money for it. Some consumers believe that having a preclinical condition would prevent them from obtaining good health and cheap plans. But many companies offer adequate plans for most Americans. However, if you want to get lower premium options, you will have to choose high deduction companies.

Difference between individual health coverage and group health insurance

Cigna Health Insurance 2020Buying individual health insurance involves very different policies from purchasing group health insurance. A standard coverage provided in a group insurance, such as maternity or substance coverage, will not be covered in individual insurance plans. At the same time, individual health plan companies are much more limited than group insurers in their ability to spread risks, which regulates the laws that govern those policies as different in most states. The mantra during the purchase of the individual health insurance plan revolves around certain factors:
– Do you want to keep your doctor?
– What is the medical need that you and your family currently have?
– What will be your expenses paid and the costs of the monthly premiums and adjust to what your budget has saved?
– What does the health insurance plan cover, such as prescriptions, X-rays, etc.?
– Do you need specialized medical attention or continuous medical treatment?
Once you are sure of these factors, you can easily decide to buy a good health insurance plan and protect your medical expenses to a minimum.

How Can Seniors Use Cinnamon Oil to Improve their Health?

How Can Seniors Use Cinnamon Oil to Improve their Health?


Cinnamon is a valuable medicinal plant, with a wide range of therapeutic uses, with stimulating and antiviral properties.


Benefits of cinnamon oil:


Relieves pain:


Cinnamon stimulates blood circulation and, by warming, relaxes tired muscles.


Warming effect on the feet:


If your feet are cold, warm them with a bath containing:


2 drops of cinnamon oil

5 drops of rosemary oil.


Hold your feet in warm water with this mixture for about 10 minutes.


Relaxing massage:


Relax your tired muscles through massage by using the mixture of 25 ml of grape oil mixed with:


1 drop of cinnamon oil

3 drops of ginger oil

6 drops of marjoram oil.


Vigorously massage the desired area to stimulate blood circulation and disperse toxins.


Use cinnamon oil in foot baths to relax and warm tired and frozen feet at the end of a hard working day.


Invigorating fragrance in the house:


Fight fatigue and apathy with stimulating cinnamon oil.


Digestion issues:


Stimulate digestion with cinnamon oil based blends.


Belly massage:


To facilitate indigestion, massage the abdomen with a mixture of 25 ml of base oil with:


2 drops of cinnamon oil

b drops of mandarin oil

4 drops of mint oil.


To get rid of diarrhea, make a warm compress on your stomach, containing:


2 drops of cinnamon oil

6 drops of ginger oil

3 drops of sweet orange oil.


If you feel that you have a runny nose, take a deep breath through a handkerchief soaked in oils of ginger, nutmeg, and cinnamon.


Weapons against infections:


Cinnamon is an excellent weapon in the battle against various infections.


During common colds and respiratory infections, add two drops of cinnamon, tea tree and lemon oil to the oil burner.


Foot massage:


Strengthen your immune system by massaging the soles of your feet with a mixture of 20 ml of base oil with:


1 drop of cinnamon oil

2 drops of eucalyptus oil

2 drops of lemon oil

2 drops of tea tree oil.


Obtain Major Medical Insurance 2020 from to be prepared.