Categories
Retirement

The Risks and Benefits with Medical Insurance

Everyone knows how unpredictable life can be and just about anything can happen just about any time. Some people convince themselves that they probably don’t need medical insurance today, but you never know with your health what will happen tomorrow. All of us are susceptible to diseases, illnesses and accidents every day of our life. People who are totally healthy one day can be struck with a disease tomorrow or seriously injured in a car accident. These things happen all the time, every single day! After something like this does occur, the medical bills start coming in and if you’re stuck without medical insurance to help, you are facing a huge financial burden and strain.

Being Prepared: We need to be prepared for any type of disaster that could occur and not many people are. There are so many important reasons why you need to take out medical insurance.

Quality of Care: Believe it or not, people who are medically uninsured will get less care as someone who is insured. For example, a woman who is pregnant with no insurance will receive far less prenatal services because of the high costs involved. As well, children and adults both may not be able to see a health care provider on a routine basis to get treatment and advice for their sicknesses because the out of pocket cost for the visit cost them too much money. This is your life and your health that are risk.

Health Outcomes: People who remain medically uninsured have much worse outcomes with health conditions. Reports have shown that people with medical insurance have a better outcome with their health problems. Researches have shown that death rates are 25 percent higher with people who have chronic diseases and don’t have medical insurance.
Financial Burden: Not having medical insurance causes financial burdens on families. Many discounts are applied to medical insurance policies and those without insurance won’t get any discount on top of paying double and triple costs for being uninsured. An unexpected tragic illness or injury has often times caused a family without medical insurance to have to go bankrupt.

Risks: Without medical insurance, someone may not be able to afford an expensive surgery or treatment that they need. Prescriptions may cost too much for some people to afford without medical insurance so they take the risk of not buying them. Medical insurance is so much better to protect your family from all these unexpected and sudden costs that medical care brings. For people who are not insured, having to pay out of pocket for something expensive can cause so much stress and eventually lead to depression.

The benefits of being medically insured far outweigh not being insured. Paying small amounts of premiums on a monthly or regular schedule will keep you from having the burden of paying massive amounts of money in medical costs when an illness, disease or an accident happens all of a sudden. When it comes to being on the safer side, it’s always better to have that peace of mind that medical insurance can offer.  For seniors, it is a good idea to have supplements insurance to supplement your medicare insurance.
Author’s Bio: The articles of Mark Anderson have really met the needs of the users. He suggests them to visit Medicalinsurance.org   for more information.

Originally posted 2012-08-28 08:27:34.

Categories
Gainesville Hoschton

Two Interesting Small Towns with Retirement Communities in Georgia

Interesting Georgia Small Towns with Retirement Communities

Retirement communities and small towns go together anywhere and Georgia is no exception.

Maybe it is the idea that folks want to slow down and get out of the rat race. Maybe some folks remember growing up in a small town and would like to return to the days not so complicated by traffic and businesses everywhere.  Some want the natural scenery and being close to many outdoors attractions. Some say the land is cheaper for the big track of land to be developed into a large retirement community.

What ever the reasons, many of the retirement communities in Georgia are located in small towns, albeit many are in close proximity to the large Atlanta metro area.

So what are some of the small towns with retirement communities in Georgia?

Fall Festival in Hoschton GA
Fall Festival in Hoschton GA

1.  Hoschton, GA – Is home to Village at Deaton Creek, a Del Webb community of over 1,000 homes. By the way a new hospital with 100 beds is under contruction adjacent to this community.  The City of Hoschton is a small community located just off Interstate  I-85 in Jackson Country in North Georgia.  This area where Deaton Creek is located is the convergence of three or four counties and most of the homes are actually located in Hall County but have a Hoschton mailing address.  This area is a small community but close enough to be at Mall of Georgia in about 20 minutes.  This mixes the advantage of small town living and the convenience of being less that 45 minutes from cities like Athens, Gainesville and Atlanta metro.

Lake Lanier GA
Lake Lanier GA

2.  Gainesville, GA – ia home to  Cresswind at Lake Lanier, a wonderful retirement community on Lake Lanier while still in the city of Gainesville, which is the country seat of Hall County. Downtown Gainesville has a mixture of shops and first class restaurants. Also there are like 4 or 5 theaters and playhouses in Gainesville. At the foothills of the North Georgia mountains and easy access to Metro Atlanta from both I-985 and GA 400, Gainesville is a highly rated town for retirement with excellent hospital, shopping, Lake Lanier and more.

Other Georgia towns with nice retirement communities are Griffin, Canton and Greensboro.

Originally posted 2014-02-25 22:06:39.

Categories
Florida

Best Places to Live in Florida

Florida Retirement

Best Places to Live in Florida

Florida, known as the Sunshine State, has been attracting people almost every year since World War II due to its warm weather, world-class entertainment, beautiful beaches and recreation areas, and proximity to both North and South America as well as the Caribbean.  Although many people think of Miami or Orlando when considering moving to Florida, there are many smaller communities that are attractive and still close to those major areas.  In this article, we’ll explore why these Florida retirement communities should be considered for anyone wanting to move to a small town in Florida.

1. Naples, FL – with the first people moving to what is now know as Naples, FL arriving in the 1860’s, Naples has always been noted for it’s mild climate and plethora of fish and other game.  Socialites have always called this place home back to the time of Thomas Edison and Greta Garbo.

Why would someone want to live in an area known for celebrities? With one quarter of the population older than 65, this area is very retiree friendly as well as having beautiful beaches.  With many cultural amenities like museums and parks, there are plenty of indoor and outdoor amenities to enjoy as well. Some museums to check out include the Collier County Museum, highlighting local history through the centuries, and the Von Liebig Art Center, which showcases art after 1950 and in the local style.  Parks to enjoy include the Corkscrew Swamp Sanctuary , which was the first national preserve in the US Parks System and is great for birdwatching, canoeing, and kayaking, and Fakahatchee Strand State Park which is full of endangered species including the Florida Panther.  It also has a 2,000 foot boardwalk to look at the natural setting.  If you’re daring, you can even get a guide tour of the swamp!

Overall, Naples is full of shopping as well.  Fifth Avenue South is the heart of this shopping.  There are lots of little cafes and restaurants in this area.  Whether you like natural stuff like parks or shopping,

2.  Clearwater, FL– named one of the “Ten Best Beaches From Maine to Hawaii” by USA Today, Clearwater, FL is one of the nation’s top vacation destinations.  However, with a great climate and white sand beaches, it’s also an ideal place to relocate due to a laid back lifestyle.

Located just west of Tampa, FL, Clearwater has 28 miles of beaches and is a stereotypical beach town with small roads, people hauling coolers, and lots of boats.  However, it has a diverse economy with manufacturing, education, and tourism making it an easy place for people to find jobs.  Being close to St. Petersburg International and Tampa International Airports also makes traveling and having friends visit easy as well.

With marinas, beaches, and an aquarium, Clearwater’s location on the beach means there’s lots of water sports and fishing.  As home to the biggest fishing boat fleet on the Gulf Coast of Florida, there are many opportunities to go deep-sea fishing, dolphin watching, and just leisurely sailing the clear waters.

3. Winter Park, FL– this little community is located just north of downtown Orlando and is probably one of the first “wealthy” areas of Orlando.  There is a lot of history here with professionals from Orlando’s early years residing here.

Home to Rollins College, Winter Park is a small community that has kept its roots as a vacation resort to the rich in times past to now becoming a bedroom community of Orlando.  In many parts of this small town, you can walk by various shops with a farmers market every Sunday just west of the main park north of Rollins College.

Although a bit pricey for homes due to the highly-educated and highly-paid workforce, Winter Park makes up for it in cute brick paved streets and low speed limits which makes it quiet for people living here.

Winter Park is a great community to consider living in for those who want a tight knit, classy town that has all the amenities of a small town while being a few minutes from downtown entertainment and work space.

Overall, living in Florida has its pros and cons.  Even though it’s extremely hot in the summer months, the proximity to the beach, mild temperature outside of the summer months, and slow pace of life make Florida a great relocation destination for those who want a simple life that doesn’t involve winter weather.  Naples, Clearwater, and Winter Park are all communities that a person should consider when looking at Florida 55+ homes for sale.

Copyright SmallTownRetirement.com

Originally posted 2010-09-09 06:45:00.

Categories
Small Town Living Small Towns

Small Towns Are No Longer Small

When you think about small towns you may be thinking remote, off the beaten path with very little things to do. There probably are some small towns today that fit that description perfectly, but many that don’t.

Many small towns these days are located on the outskirts of large metro areas or in resort areas. In these towns you still get the feel of a small town, but with many more resources nearby.

Near these small towns there is probably a large regional shopping mall within easy driving distance. Some excellent gourmet type restaurants are located in small towns.

When I moved to a small town a few years ago, I was concerned about how far away I would have to drive for basic things like grocery store, drug store, dry cleaners, restaurants, and retail stores like Kohls or Target. That has not been a concern at all. We now have them nearby.

Honestly, we order so much through Amazon Prime and other on line stores and get it the next day sometimes, that I miss nothing.  I don’t like to shop and with the virus still around, staying out of stores is fine with me.

The 150 bed hospital next door was a major reason we liked this location community. .  Doctors and hospitals are the one thing you better check on before moving. See my blog post Hospital Next Door Is Mandatory

Driving to the largest shopping mall in the state only takes 15 minutes but on the way I pass farm houses, a lamas farm, barns, and traffic is light.

So small towns are not so small after all.

We moved to a Del Webb Active Adult Community in a small town so we get the bonus of feeling like we live in a cosmopolitan areas with people from all over the country moving here. Plus all the socialization opportunities and activities are right outside my door.

We have 9 miles of hiking trails and I can enter the trail about 100 yards from my front door.  I ordered two walking sticks from Amazon and will be out tomorrow to get them a try.

The suburban community we moved from had no activities, busy neighbors, very little socialization except for our good friends who lived next door and no hiking trails.

I think moving to a small town was a good move for us.

Originally posted 2020-09-01 11:32:01.

Categories
Retirement Plan

Retirement – Are You Ready and Can You Do It?

Retirement – When Does It Begin?

Looking forward to retirement is the current pastime of many of us 50+ years old boomers.  Anticipating our retirement and what it will be like is a pleasant thought.  They say you really don’t know what retirement is until you actually retire.

The expected benefits are many: having more time, doing things we like, making new friends, traveling, experiencing new things, less stressful life and a better balance between work and play.

Using the new definition of retirement as being a better balance between work and play, when do we pull the trigger and consider ourselves being in retirement? When you leave your full time career job?  When you start drawing social security somewhere between age 62 to 66?  Or when you say so?  Many people find it hard to say they are retired, even after they have retired.

Some people ease in to retirement. They start working from home doing consulting or a Internet business.  People start working part time or take some time off then jump back in for a while. Some people move to a 55 plus community on the edge of a metro area and still work full time.  All of these are the transition to retirement and help easy the process. The exciting part is actually starting the process for a better balance of work and play in our life, no matter what you call it.

Robert, age 62 and retired

Originally posted 2010-05-24 10:11:25.

Categories
Tennessee

Tennessee Best Towns

The enchanting state of Tennessee is filled with lush greenery, amazing bodies of water and woodlands, and a culture unlike any other state. With Nashville as the glue of the state, the country culture flows out from the city and into the small towns of the Volunteer State.

For those frustrated with city traffic and smoldering fog, small towns in Tennessee offer a haven of peace, culture and plenty of recreational activities. Tennessee with beautiful scenery and good four seasons weather.  I know I live visiting the Great Smokey Mountains Park.

TN will also be very attractive to retirees from other states. Starting in 2021 Tennessee will have no state income tax and also other retirement income breaks. The location has good proximity to much of our country.

Clarksville TN is on Money Magazine’s Best Places to live.

Around Nashville and there are several small towns that would be nice to retire in and the town of Brentwood is one of the nicest ones. Brentwood has 13 parks and plenty of walking trails to keep you fit.  Nolensville is another small town with a close knit community in the Nashville area. Mount Juliet is a Nashville suburb located 28 East with a population of about 30,000.  Hendersonviille TN located on Old Hickory Lake, next to the Cumberland River and is a good place for water sports and that retirement favorite fishing.

Murfreesboro is a big small town (120,000 pop.) with parks and 12 miles of greenway.

Oak Ridge on the East side of Tennessee, which is Anderson County, about 25 miles outside of Knoxville, has one of the lowest crime rates and costs of housing in the state.  It is not hard to see why this is a good retirement small town.

Germantown is a place you should check out if you are planning on living in the Memphis area, it has affordable housing.  Another small town to check out in the Memphis area is Collierville, which is a prosperous area with a population of about 50,000.

More Tennessee Retirement Towns

1. Cosby TN

With a population of around 5,000 residents, the small town of Cosby is slow-paced and inviting. Cosby is located in the northwestern corner of the state near the Great Smoky Mountains National Park. Traditionally a small Appalachian town, Cosby is recognized today for its serene setting and astonishing views. Family run businesses are scattered along the main road and fruit stands abound offering nearly every variety of apple. The town is peaceful and free from traffic, yet offers everything a person needs with regard to modern amenities.

2. Dyersburg TN

Dyersburg is located in the southern section of the state and offers a population of just under 25,000 residents. Dyersburg is an ideal location to live because of its affordability, not to mention high quality schooling and beautiful display of Victorian homes and architecture. The town is free from congestion and large amounts of traffic yet close enough to state highways and interstates offering convenient access to the city.

3. Franklin Tennessee

The town of Franklin, Tennessee contains approximately 58,000 residents and has a strong historical presence. In fact, some Civil War sites can be seen in the town. The area is just twenty minutes from Nashville and has a large musical influence featured throughout the town. Some of the country music’s up-and-coming stars live in the town and can be seen at the downtown coffee shops before heading out to perform a live concert. During the summer months, a Bluegrass Festival and Franklin Jazz Festival take place.

Originally posted 2020-09-03 07:00:41.