Helping You Define Your Lifestyle

Retirement: Financial issues that everyone forgets about

It’s meant to be one of the most relaxing periods of life, but if you were to survey the majority of retired people it would become clear that the post-work phase is anything but. Of course, things even out over time, but the “one big holiday” that some people assume it is couldn’t be further away from the truth.

Today’s post is going to take a look at retirement from a financial perspective. While it might appear somewhat negative in places, hold on tight and you might uncover some information that saves you a lot of stress and hassle when you do finish working for good.

Issue #1 – Life after death

Let’s start with something of a morbid topic, but one that can serve you well if you plan comfortably ahead. Some people may believe that their funeral isn’t something which should really concern them; after all, they won’t be there to oversee it.

However, those that are left to pick up the pieces might have a lot on their mind. The average cost of a funeral has now surpassed £4,000, with this figure only increasing.

Sure, this is something that always has to be paid for, but the way in which you plan ahead can make a monumental difference. For example, funeral plans allow you to pay today’s rate, and this means that there won’t be any nasty surprises for your family when the time does come. Its small thoughts like this that can make the world of difference.

Issue #2 – The “average lifespan”

This is probably the biggest problem that we will uncover. When you plan for retirement, you generally do so with an average lifespan in mind. At the moment, this is around 80 – but this might not necessarily relate to you.

In other words, this is just a number – nobody can guess how long you will live for. It’s known that the average lifespan is on the rise, so what if you live to 100? How will your finances shape up then?

If you are serious about living a peaceful retirement, with no concerns about your bottom line, its questions like this which need to be answered.

Issue #3 – The needs of your family

In truth, an entire dissertation could be written about this as it spans so many different areas.

Firstly, while your major expenses such as your own mortgage might be over, it has become more common than ever for children to use their parents as the main borrower when they fund their own property. While this isn’t something you are obliged to do, it’s at least an area to think about.

Next, and this is something where obligations do enter the picture, is your partner or any other elderly relatives that you take care of. This is the time in life where additional care might be needed and unfortunately, these costs can spiral quickly. There’s been a lot in the news about them over recent times and it’s something that a lot of people just don’t consider when it comes to their standard pension plan and what it should be covering.

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The Basics of Wardrobe Design and Constructions

Wardrobes allow for custom design storage that makes organization easier around your home and particularly the bedrooms. It allows for multiple sections of drawers, doors, and shelves so that you can store items in a more functional and aesthetically pleasing manner. Without a good wardrobe design, the bedrooms in your house will often be cluttered with socks, ties, belts, shirts, and pants. Here is what you need to know about the basics of installing a wardrobe.

Size and Dimensions

The main difference between a closet and a wardrobe is that the former is built into the wall. Since wardrobes are external, they can be of whatever size that fits your needs. However, certain conventions still influence the dimensions of the wardrobe today.

  • Depth: The depth of the wardrobe can be just deep enough to allow for the hanging of clothes. However, the depth can vary from between 50 and 70 centimeters and 62 cm is the recommended depth.
  • Width: It needs to be wide enough to accommodate the swinging of doors and placement of items in the open spaces with minimal obstructions. The width can vary between 40- 300 cm.
  • Height: This will depend on the dimensions of the space you want to place the wardrobe. Usually, wardrobes are between 140cm to 250cm high.

Style

You need to consider the style of the wardrobe if you want to make it both functional and aesthetically pleasing. There are many styles of wardrobes today with designs to incorporate your storage needs. If it is for hanging clothes only, an open section will be enough for most of your needs. However, you may require more partitions if you find there is also a need to store other items such as shoes, belts, ties, cufflinks, etc.

The wardrobe often has one, two or three partitions. Two partitions can be one for storing clothes, and the other partition set aside for other items. You may opt for one with more partitions if you have a wider range of accessories and you need your space to be more functional. Instead of getting a new wardrobe, you can add shelves to any of these partitions. If you are sharing the wardrobe with a partner organizing your things becomes much easier when you have more sections and shelves.

Materials

Old wardrobes were ready made and were built with metal, usually iron. Many homeowners bought them because they had a safe inside. Nowadays, wardrobes are lightweight and made of more affordable materials. Most are made of wooden boards and plywood to divide partitions and sections. A cheaper alternative to plastics such as MDF and particle boards are becoming more popular than plywood which has limited applications due to relatively high costs. For aesthetics, materials such as colored glass and polyurethane are used to provide the extra gloss and a finish to enhance its appeal.

Construction

Doing your own construction will require that you acquire the skills to work with hardwood and plywood, amongst other materials used to make wardrobes. If you are not confident with your ability to handle the process use your local handyman services to reduce the risks and associated costs.

Remedial Massage Can Heal!

Medical science has proven the benefits of all legitimate massage styles. Massage therapy has built a reputation for helping you calm your nerves, release tension and help eliminate pain you have in your muscles, tendons, ligaments, common joints and bones.

There are many different types & styles of massage, each with a different focus, but generally speaking they all do what is mentioned above. However some massage styles are more rooted in traditional medicine. The claims of medical benefits from massage therapy has built over decades to the point where many traditional medical practitioners have utilized elements of massage and found them to be extremely helpful for patients.

At the top of the list of effective massage types, is remedial massage. This type of massage is practiced by the most well-trained massage therapists and is used in hospitals and medical clinics around the world. The reason it has become so popular is because of the specific benefits remedial massage offers. Here are a few of those wonderful benefits.

Understanding Remedial Massage

Remedial massage begins with a detailed and in-depth assessment of the patient and their body. There is a specific focus on the condition of the ligaments, connective tissues, tendons, joints and muscles so that the therapist can understand the type of therapy that needs to be implemented. This vital information dictates to the therapist the type of massage regimen to use. Each patient will have a different set of circumstances and require a different, specialised therapy.

Remedial massage therapists are trained in the movements and workings of the body including pathophysiology, physiology and anatomy as well as many different types of massage. This massage therapist will mix & match different massage techniques in order to create the most effective massage therapy.

Benefits of Remedial Massage

Remedial massage patients will often visit a remedial massage therapist on the advice of a medical physician if the patient has chronic, recurring or severe physical injuries that have a chance to be helped with massage therapy.

Remedial massage can benefit patients by:

  • The elimination of muscle tightness
  • Increased function in the Lymphatic System
  • Improved circulation
  • Better joint mobility and flexibility

Recovery from Soft Tissue Injuries

Remedial massage can also heal some soft tissue injuries. These can occur from many situations such as a trip or fall, car accident, playing sports or due to a degenerative disc or tissue condition. Remedial massage is able to aid with quicker and better healing of these injuries.

Remedial massage therapists are often thought of as the most skilled massage therapists because of their in-depth knowledge of the body and how to use massage to both relieve pain and heal. They take techniques from the best massage therapies and use them as needed on patients.