Retirement Planning Store, Inc.
  • Home
  • LTC
  • Insurance Review Service
  • Privacy Policy
  • Contact Us
  • Blog CMS
  • Annuity
Like us here

Health Tips To Help You Skip Dentures After 80

5/30/2018

2 Comments

 
Picture

As time goes on, most people begin to experience dental problems, including lost or shifting teeth, gum issues, and an uneven bite. However, a few basic lifestyle adjustments can help to maintain effective dental health and prevent having to resort to dentures as time goes on.

Eat Healthy 

Fresh, preferably organic fruits and vegetables play an important nutritional role in any diet. Three to five servings daily are essential to keep teeth healthy, along with the rest of the body. Crunchy fruits like apples and vegetables such as carrots naturally help to clean the teeth and provide valuable vitamins and minerals that support dental health. Drinking plenty of water is also a good idea, along with avoiding acidic and sugary foods that contribute to tooth decay. If you are unable to brush after every meal, rinsing your mouth with clear water and spitting it out helps to remove damage-causing surface residue.

Practice Daily Hygiene

Everyone should brush their teeth after eating, or at least twice a day, morning and night, to remove food particles. Residual debris settles into the tooth enamel and burrows into gum tissue to cause infection, which leads to tooth decay and eventual loss if left untreated, along with inflamed gums, which cause gingivitis and periodontal disease. Flossing helps to remove hard-to-reach residue from between each tooth and below the gum line, thus preventing irritation and inflammation. An oral mouthwash offers added protection with antibacterial ingredients that kill oral bacteria. Some mouthwash products include fluoride, which is sometimes missing in an untreated water supply. Dentists recommend rinsing with fluoride to help protect against decay.

Take Your Medications as Directed

With the onset of age often comes memory trouble, making it difficult for seniors to remember which medications they need to take, how many, and when. For similar reasons they are also at risk of either unintentionally or intentionally abusing prescription medications. This isn't so bad when it's just a vitamin C supplement, but it's dangerous when it's an opioid like Percocet or a benzodiazepine like Xanax. Abusing prescription drugs can seriously harm even a young and healthy body, and it can have even more severe consequences for an aged body. In the context of today's discussion, prescription drugs when abused can cause irreversible harm to teeth and gums through dry mouth, acid reflux, tooth grinding, reduced blood flow to the gums, and lapses in consciousness that prevent regular oral hygiene.

Consult a Dentist

The ideal dental checkup includes seeing a dentist twice a year for exams and professional cleaning. This helps to identify any problems early so they can be promptly treated before they turn into bigger issues. Also, the dentist can often recommend specific hygiene practices or dental products suited to each patient's needs. Cavities can be filled before they cause a tooth to become loose and fall out, or require extraction. Dentists can also provide hygiene kits with a toothbrush and sample oral health products.

Don't wait until you’re already losing teeth before addressing oral care issues. Start now by developing a consistent care plan that begins at home each day and continues at the dentist's office every six months. And, if it comes to it, be glad you have comprehensive dental insurance!

References
https://greatist.com/health/healthy-teeth-foods
http://www.clementdental.com
https://www.mouthhealthy.org/en/az-topics/f/fluoride
​
https://murfreesborofamilydentistry.com/preventive-care/
​
https://prevailintervention.com/long-does-xanax-stay-in/

​For a Free Instant Term Life Insurance quote click here!

Dental Discount click here

​
2 Comments

Thinking About Real Estate Investing? 5 Critical Tips for Retirees

5/29/2018

0 Comments

 
Picture
Featured Image: http://www.centerra.com/

After retiring, there are many different ways to invest money. No person should place all of their funds into one area. It is important to stay diversified in your investments, but some investments have better returns than others. The stock market's S&P 500 has an average return rate of 9.5% per year. For those who are already invested in the stock market, or don't want to be a part of it, there are investment options which provide even higher returns on average. Within diversified real estate investments, the average rate of return is 10.6% per year. An investment property can be quite successful, but there are specific items to look for when considering investing in an estate.

Property Taxes
​

One of the first essential items to consider when looking at an investment property is the property tax. After retiring, you want to minimize your expenses, especially expenses in taxes. Even is a building or home is in excellent condition and is reasonably priced, taxes can cause it to be a poor investment. Taxes will take away from your monthly profits, so make sure to compare different property tax rates.

Location

The location of the property will have a significant role in its success. There are certain areas and neighborhoods which are more likely to have people rent in. An example of this would be housing located near colleges. While college renters are somewhat high risk, you can trust that your property will be in high demand if near an area that has people that need housing. Additionally, if you are retired, you want the location to be easily accessible for when you want to visit the property, so proximity to where you reside is important as well.

Down Payment

Most investment properties will require a minimum of a 20% down payment, so make sure that the properties you are considering are within your budget. Additionally, the more you can put on your initial down payment may help you to get a better rate on your loan.

The Condition of the Property

Some properties are in excellent condition and others that could be labeled as a fixer-upper. When considering purchasing a place that needs a lot of work done, make sure you have it properly inspected, and that you can have the issues fixed reasonably quickly. After retiring, you don't want to spend all of your spare time fixing a property. If you do choose to upgrade the property, then make sure that you're making upgrades that are worth the investment. Upgrades to the kitchen, yard, roof, and appliances are typically good investments.

Rate of Return

When considering investing in any property, you need to know how quickly you can make back your investment. For example, if you are going to be renting your property, you should be able to make roughly 1% back each month on your investment. It is important to make the investment back as quickly as possible because your income is limited after retirement.

Investing in property can be quite lucrative and a great way to help fund your retirement — if you do it correctly. Before investing, there are many different factors that you should consider. Those factors include property taxes, location, down payment, the condition of the property, and the rate of return.


Sources:

  • https://www.investopedia.com/ask/answers/060415/what-average-annual-return-typical-long-term-investment-real-estate-sector.asp
  • https://www.forbes.com/sites/forbesrealestatecouncil/2017/09/11/seven-things-to-consider-when-buying-an-investment-rental-property/#51149f7c6dad
  • https://money.usnews.com/investing/articles/2016-03-10/8-things-to-consider-when-buying-investment-property
  • http://www.retirementplanningstore.com/blog-cms/retiring-soon-5-things-to-consider-purchasing-when-the-time-comes
  • https://www.mprealtorgroup.com/tips-from-realty-experts


For a Free Instant Term Life Insurance quote click here!



0 Comments

    Author

    My name is Dan Hopwood and I first started my career in the insurance business back in 1988.  2023 will be the start of my 35th year in the business. 

    Archives

    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    March 2021
    February 2021
    January 2021
    November 2020
    August 2020
    July 2020
    June 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    July 2019
    May 2019
    April 2019
    December 2018
    November 2018
    September 2018
    August 2018
    June 2018
    May 2018
    April 2018

    Categories

    All

    RSS Feed

Powered by Create your own unique website with customizable templates.