Six Tips for a Stress-Free Holiday Season

If you are thinking about the holidays right now and frowning, smooth your face, square your shoulders and take a cleansing breath. A little positive thinking can go a long way in helping you to enjoy the holidays this year instead of agonizing over all the little details. These 6 tips for a stress-free holiday season will start you off on the right foot.

1. Plan ahead. Print out return address labels for cards (I’m really doing it this year – bad hand cramping), update your address book, make room in your front hall closet for guest coats instead of piling them on a bed like usual, and prepare guest rooms ahead of time. Tackling a few of these tasks before you get really busy can make a world of difference.

2. Rethink your gift giving. Cut down on the mad shopping rush and stress of finding exactly what everyone wants this year – consider giving experiences instead of material gifts, and maybe even implement The Four Gift Rule. My extreme-gift-giving mom is actually trying it this year. Thanks, Mom!

3. Keep things simple with food and d├ęcor. Stick to your favourite recipes instead of trying something complicated and new, and a simple homemade centrepiece is all you need on your table. Please don’t belittle yourself for not having matching napkins and candleholders! Focus more on the family and friends you are gathering with rather than stressing over too many fussy preparations.

4. Have a few extra gifts on hand. A small stash of thoughtfully wrapped gifts is perfect for unannounced friends or last-minute invites. Choose items that have universal appeal and can be used by you and your family if they are still around come January. Think locally-made condiments, soy candles, handmade chocolates, wine and preserves.

5. Be choosy when it comes to events. This can be tough for social butterflies (my husband) and people who have trouble saying no (me). Only accept invitations to gatherings that are pertinent to the holiday and meaningful to your family. When planning your own event, keep it small and intimate with just a few close friends and relatives. We used to have a big Christmas open house but after a few years, we realized it was too chaotic as we spent most of our time greeting and seeing friends out, refilling glasses and snack bowls, and making sure little ones didn’t trash our house (even if they were adorable). Choose to host big parties at a different time of the year, when there is less going on and you are not so taxed.

6. Live in the now. As you trim the tree or make cookies with your kids, don’t forget to pause and really live in the moment. Don’t worry about what’s still on your to-do list (there’s always something), because before you know it the holiday will be over and you’ll be disappointed that you didn’t make the most of it. Also, carve out some time to do something just for you – take a walk, read your book, have a hot bath – it will go a long way in helping you to keep your sanity during the holidays.

Care Costs in Retirement – Controlling Your Health

It’s no secret that health care becomes a bigger concern for most of us as we grow older. More ailments are likely to develop, which means more money spent to visit health professionals and buy medication. Even if you remain healthy through your later years, the costs of preventative care and preparing for potential unexpected health situations are rising.

Health-related expenses will likely be one of the biggest components of your retirement budget. You need to be prepared to pay for comprehensive insurance coverage and potential out-of-pocket costs for care. Here are three strategies to help you manage this critical expense in retirement.

Understand how Medicare works

The good news for Americans age 65 and older is that you qualify for Medicare. That makes increased dependence on health care services more affordable. At age 65, most people automatically qualify for Medicare Part A at no cost, which primarily provides coverage for hospital stays and skilled nursing care. Medicare Part B must be purchased (approximately $109 per month in 2017 for most retirees). Part B covers the costs of visiting a physician, but with some deductibles. Many people purchase additional coverage to use for out-of-pocket expenses, such as a Part D prescription drug plan or a Medicare Supplement policy.

With Medicare, timing is important. Signing up when you first qualify for coverage will keep costs at the lowest level. If you maintain insurance through your employer after turning 65, you can delay Medicare enrollment without risking late penalties.

If you retire prior to age 65, you will need to purchase insurance on the open market to cover health-related expenses until you become eligible for Medicare. Individual coverage tends to get more expensive as you grow older, so work the cost into your retirement budget. Some employers offer retiree health insurance as a benefit. Check with your human resources department to see if this option is available to you.

Allocate sufficient funds for health care costs

As you develop your retirement income strategy, make sure you have money set aside for health expenses that will be your responsibility. By one estimate, the average 66-year-old couple will need to tap more than half of their lifetime pre-tax Social Security benefits to pay for health care expenses throughout retirement. Most people will likely have to rely, in part, on their own savings to help offset some medical expenses.

Along with other retirement savings, you may want to establish a health savings account (HSA) during your working years. HSAs are designed to help build tax-advantaged savings to pay for out-of-pocket medical expenses you incur during your working years. However, any leftover funds can be applied to health expenses later in life, including premiums for Medicare and long-term care insurance. Keep in mind that you must be enrolled in a high deductible health plan to open an HSA.

Focus on your own health

One way to potentially keep health care costs under control in retirement is to create or maintain a healthy lifestyle. Small changes you make today, such as eating right or prioritizing sleep, could reduce the likelihood that medical issues will impact you later in life. Being physically active may also benefit your finances in retirement – according to the American Heart Association, it could potentially help you save $500 a year today on health-related expenses.

Having a plan doesn’t guarantee that you will avoid heath issues, but you may find comfort in knowing how you can tackle health care costs in retirement.

Step Moving Companies – Choosing the Best

When you are moving, you want to make sure that your possessions are safe, that they are going to arrive at your new home undamaged, but how do you make sure this happens? One way is to move your possessions yourself but if you have a lot of stuff to move or you are moving to another state moving everything yourself might not be possible without hiring a moving company.

The first step is to sort through your household stuff and divide it into three categories, which would include items to be given away, items to be sold, and items to move. This will help you know just how much stuff you have to move so you would know what type of mover you would need to hire. When you either sell or give away things that you do not need you will be getting rid of things and not taking it with you to store in your new home.

To find a good mover talk to family, friends, neighbors, or co-workers to see if they know of a reputable moving company they can recommend. If possible it is better to hire a moving company that someone recommends than to hire one from a listing in the phone book or from an online search. With a recommendation, you know that they will give you good service. Even if you have a recommendation it is best to check with several moving companies to sure that you are getting a reputable company and the best deal. When talking to the moving companies ask them how many years they have been in business, and what amenities they offer. You should inquire how long it would take them to move your household goods to the new home. You also want to make sure that they have the required licenses.

Make sure that the company is regulated by calling the state transportation department. You should also check with the Better Business Bureau to see there were any complaints filled against the moving company. Doing these things should give you an idea of how trustworthy and reliable they are. Next call and get an estimate of three or four companies. This estimate should include packing fee, storage fees, insurance, surcharges, and more.

Some moving companies will give you a non-binding or binding estimate. With a binding estimate, it includes all costs with no additional charges. In a non-binding estimate, as much as ten percent or more can change on the original estimate. Once you have the estimates compare all the companies and choose the one with the best services for the best rates. Make sure that you get a copy of the estimate before signing the contract.

How to Approach the Subject of Experimenting in the Bedroom with corner sofa bed

Are you bored with your sex life?  If you are, you may want to spice things up a bit in the bedroom.  A great way to do so is to try new thing.  Experimenting in the bedroom often brings new life to a relationship.  It can also allow couples to reach new levels of pleasure.
When it comes to experimenting, many individuals and their minds automatically wander.  It is important to remember that bedroom experimenting comes in a number of different formats.  It doesn’t have to involve something that would be embarrassing if it leaked out and it doesn’t have to involve bringing in a third person.  Experimenting on corner sofa bed in the bedroom can honestly mean something as simple as trying a new position.
Although many individuals, like you, want to experiment in the bedroom, many are afraid to approach their partner about doing so.  Why?  Because there is a certain level of fear associated with doing so.  What if your partner thinks that they don’t please or satisfy you enough in the bedroom? What if your partner thinks that the sex is just fine the way it is?  What if your sex partner thinks that you have a sick mind?  These are all concerns that you may have, but you shouldn’t let that stop you.
If you do decide to approach the subject of experimenting in the bedroom with your partner, you will want to be gentle with your approach.  Your partner may automatically believe that he or she isn’t pleasing enough for you.  Although this may not be what you mean, it is still a likely and natural assumption.  If your partner asks you, be sure to calm their fears.  Let them know that you think that experimenting in the bedroom could not only increase your pleasure and satisfaction, but theirs as well.  This approach tends to work nicely.
As it was previously stated, when many individuals hear the phrase “experimenting in the bedroom,” their minds often wanders to embarrassing and sometimes humiliating experiences.  If you are just looking to try a new sex position, introduce pleasure enchasing sex toys, or romantic movies, be sure to let your partner know immediately.  Do not give him or her the opportunity to even think that you mean something different.  Doing so can change the way that your partner looks at you, both inside and outside of the bedroom.
In addition to letting your partner know what changes you would like to make in the bedroom, give them the opportunity to express their wants, needs, and desires.  This is a simple adding new corner sofa bed with storage, yet important step to take.  First, it is important to remember that intimacy should involve two people receiving maximum pleasure, not just one.  Next, it will help bring reassurance to your partner that you are not just looking to increase your pleasure.  Asking what your partner’s wants and needs are in the bedroom will go to show that you want to improve the overall experience, not just yours.
Despite the fact that experimenting in the bedroom may sometimes be a difficult subject to approach, it is one that you will want to talk about.  A healthy sex life is an important component of any relationship and marriage.  By approaching the subject carefully, you and your partner can soon be having wild, yet pleasurable sex in no time at all.