Robust Retirement

  • Portugal – Europe’s California With Castles

    My wife and I spent two weeks in Portugal on a self-guided road trip for which we had https://www.toursforyou.pt/ arrange our hotels and rental car, suggest sites we might visit and arrange select guided tours, wine tastings and a boat ride along the way. I call Portugal, Europe’s California because it is west coat, has fine…

  • Financial Planning For Retirement

    As with most articles on my blog, this one started with a conversation with a friend.   The friend recently turned 60 and is starting to seriously think about retiring from a professional position.   He is thinking about a range of options: fully retiring at age 62, shifting to part-time with his firm and delaying retirement…

  • Working Part-Time Post-Retirement Age May Be Good For Your Health

    On the page “What Is Retirement” (see link above on the banner of this blog) I propose a new definition for retirement as “The period of one’s life when one shifts from working primarily for the means of earning income to working primarily for the satisfaction of producing a purpose or result while devoting additional…

  • Staying At-Home With Care Exceeds Cost of A Senior Housing Community

    EXECUTIVE SUMMARY Most seniors and their families see the monthly cost of a senior housing facility as much higher than the monthly cost of living at home with family care, or even with part-time or full-time home healthcare.   But the math that most seniors and families use to make this comparison assumes no implied cost…

  • Machu Picchu & Peru Exceeded Expectations

    It has been almost two years since I wrote about a vacation.   In the interim we have traveled to the Pacific Northwest, visited Hilton Head twice and done a Midwest Road Trip that took us to Pittsburgh, Chicago, Lake Michigan, Detroit and Niagara On The Lake Ontario for the Shaw Festival.   While each of these…

  • The Cost of Care

    Raw Cost of Care The chart below shows the average monthly cost of care for skilled nursing (nursing home), memory care (dementia), assisted living and independent living facilities in the Baltimore/Washington region for 2015.    It also shows the cost for 24 hour / 7 day a week home health aide care and 24/7 home…

  • The Government Will Not Pay For Your Long Term Care

    Too many middle and upper income consumers still believe that Medicare, Medicaid or some other government program will pay for their long term care or the long term care of other elderly family members. Medicare, the Federal healthcare program for those age 65 and over, pays for hospital care (Part A), physician care (Part B)…

  • Ten Takeaways From NIC Conference

    The Fall conference of the National Investment Center for the Seniors Housing and Care Industry (NIC – www.nic.org) was held in Washington, DC from September 14 to September 16, 2016.   This is the largest industry conference for seniors housing and care. I moderated a panel entitled “Somewhere Over The Rainbow: Where Winning Post Acute Strategies…

  • Don’t Rush Off To Buy Double Decision To Prevent Dementia Just Yet

    A Wall Street Journal article on Tuesday, July 26, 2016 entitled “Can This Brain Exercise Put Off Dementia?” hitp://on.wsj.com/2arSPfA reported on the results of a new study, called “ACTIVE” for Advanced Cognitive Training in Vital Elderly, that were presented the previous Sunday at the Alzheimer’s Association International Conference in Toronto, the world’s largest gathering of Alzheimer’s researchers.…

  • To Stay or Move – Adapting An Existing Home vs. Moving To Seniors Housing

    On Monday June 6, 2016, The “Ask Encore” column by Glenn Ruffenach in the Wall Street Journal responded to a question from a reader about “what features, at a minimum, should be added to our current home or incorporated in a new home so that we can stay in our home as we get older.”  …

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