About LoveBeingRetired

Dave Bernard is a California born and raised author and blogger with an extensive 30 year career in Silicon Valley. He has written more than 300 blogs for US News & World On Retirement and his personal blog Retirement – Only the Beginning. He has authored three books: "Are you just existing and calling it a life?"; "I want to retire! Essential Considerations for the Retiree to Be"; and " Navigating the Retirement Jungle". Dave was also a contributing writer for the books 65 Things to do when you Retire (“Positive Aging – Old is the New Young”) as well as 65 Things to do when you Retire – TRAVEL (“Travel to Discover your Family Heritage”). He lives in sunny California with his wife, his Boston Terrier "Frank" and a passion for the San Jose Sharks.

Conquer Your Retirement Challenges and Enjoy the Great Life You Deserve

Written by Felix Steinmeyer

Though retirement ought to be a time when you are finally able to let out a deep breathe and relax, there is no getting around the worry that comes with entering that stage of life. After all, any major life event can be awfully stressful, and there is no denying that leaving your career is a major life event. The greatest retirement worries are losing one’s sense of purpose, not having enough money, being lonely, and being in poor health. But, you do not need to fret because you can indeed conquer your retirement challenges and enjoy the life for which you have worked your entire life.

What Now? Create, Follow Your Retirement Plan

Although most retirement plans focus on finances, the truth of the matter is that to truly enjoy your retirement, your plan needs to cover more than your budget. Actually, the retirement plan I suggest that you create will be a life plan, not a spending/income plan. Your retirement plan, will answer that question that nearly everyone has when they retire: “So, what now?”

When creating your retirement plan, think long term. The further out you can make it, the more excited you will be about the future. Schedule your plans around the full twelve months of the year. If Spring is your favorite season, plan a trip to the Southern Hemisphere in October so you can enjoy the greenery and blooms when it is winter back home. Also, list the birthdays of your loved ones and plan visits over the next 24 months so you keep on having a great event to look forward to.

Also sit down and determine what is important to you. Is being a grandmother, the role you love the most? Or, perhaps, mentoring young business people is something you have always wanted to do. Regardless of what gives your life meaning, make sure you include it in your life plan.

Break that Plan, be Spontaneous

Now, with all of that having been said about the life-meaning your plan can give your retirement, it has got to be said, that there will be times when you ought to break your plan. There will be times in your retirement that call for spontaneity.

Don’t follow comedian Steven Wright’s advice and procrastinate being spontaneous. A bit of spontaneity will work your creativity muscles. It will keep you fresh and flexible. It will keep you from turning into that grumpy old man or woman. It will bring you joy.

Finding Work, Not a Job

Even if you do not need a job, you might need work. But in retirement, the work you do can be what you enjoy. This could be volunteering or even doing something, such as gardening or pet sitting, for some spending. The key here is to find work you enjoy. Remember, you’re retired, no more jobs.

 Stop Worrying about Money

A major challenge you will probably need to overcome in retirement is worrying about money. In fact, some studies have found that soon-to-retire people are more concerned about not having enough money than they are about dying. Now, that is quite a worry, eh?

To conquer this financial worry, you must first understand that it is perfectly normal. Odds are, most of the people around you feel the exact same way. Once you accept this, you can move on to the next step of figuring out if you have a legitimate reason to worry about finances in retirement. Thankfully, there are some great online tools, such as the AARP retirement calculator, that can give you a quick snapshot of your current situation while offering suggestions as to the steps you can take to help you meet your retirement lifestyle goals.

Shoring up Your Finances Late in the Game  

You still do not need to worry if it turns out that you do indeed need to improve your financial situation. You can overcome this retirement challenge as well. There are many ways you can make money while retired from selling items you have acquired over the decades to getting a reverse mortgage, life insurance settlements, shopping around for better interest rates on investments and credit cards, and so many more.

Though they are not income, discounts are a fantastic way for seniors to save money, lots of money. Did you know that Americans who are at least 62 years old can buy a lifetime pass to all of America’s national parks for just $80. That is a stunning discount when you consider that everyone else has to pay that same amount for just a one-year pass. You can find other great prices at private and public attractions, hotels and resorts, restaurants, museums, theaters, and nearly everywhere else that caters to the public.

Collect Experiences, Not Stuff

What makes you happy? According to research, your experiences give you much more happiness than do your things. As you are creating and following your retirement life plan, covered above, make sure you pack it with experiences instead of purchases. Remember, there may come a time that it will be difficult for you to travel and experience good times.

Some of the greatest experiences you can have in retirement will also keep you active. Geocaching, golfing, bird watching, pickleball, hiking, and gardening are all great ways to collect experiences that will also keep you active and give you the opportunity to make new friends. All of this will likewise combine to conquer your fears of being lonely or losing your health prematurely.

Retirement Need Not Be a Time of Worry

You can conquer the retirement challenges that most of us will face. You just have to plan and take them on honestly.

Is It Ever Too Late for Plastic Surgery?

Written by Sally Perkins

If you want to look younger during your golden years, you may want to do what 68-year old Maria Vargas did, and this is signing up for cosmetic surgery. Maria told a Washington Post reporter that she missed being alluring to the opposite sex, as she had been when she was younger. She made the decision to get a neck lift, with a mind to feeling better about herself. She was thrilled with the results. These days, plastic surgery among older adults in a hot trend. So, it may not ever be too late for plastic surgery.

Seniors are Getting More Plastic Surgery

Men and women aged sixty-five or older are now choosing cosmetic eyelid procedures and face lifts in ever-greater numbers. The American Society for Aesthetic Plastic Surgery reports that the demand for these procedures by senior citizens has doubled over the past twenty years. Most of the patients who pay for these elective procedures are sixty-five to seventy-five years old. Seventy-five percent are getting their very first cosmetic procedure.

What Are the Pros and Cons?

Plastic surgery has the power to change the way that seniors feel about themselves, for the better. In this sense, it may be very empowering. However, it’s still surgery. Surgery always comes with risks. In terms of pros, plastic surgery may create a more youthful look or change the look of body parts that patients aren’t happy with. In terms of cons, a plastic surgery procedure may not turn out the way that a patient hoped it would.. Another drawback to be aware of is the risk of complications, such as infection or bleeding.

What About the Cost?

Well, to give you a sense of what you’ll need to spend on the most popular plastic surgery procedures for seniors, let’s look at median average prices of cosmetic eyelid procedures and face lifts. According to the American Society of Plastic Surgeons website, getting your eyelids done will set you back $3,026, while a face lift will typically cost $7.448. These prices don’t include the cost of operating room facilities, anesthesia and related expenses.

How to Choose a Plastic Surgeon

If you want to improve your appearance, you should choose your cosmetic surgeon with care. While some seniors are opting for lower-priced plastic surgery abroad (this is known as medical tourism), it’s smarter to pay a bit more for a board-certified plastic surgeon in your home country. Medical tourism adds to the risks of plastic surgery.

According to the Center for Disease Control and Prevention website, patients who do go for plastic surgery in other nations often find communication to be difficult. Problems with communication may heighten the risk of misunderstandings which may negatively impact quality of care. Also, medications may not be genuine, or they may be of inferior quality. Another issue is that resistant bacteria is more prevalent in countries outside of America. Lastly, taking a flight after a procedure may boost the chance of blood clots.

When seeking out a plastic surgeon, look for the right credentials and a strong reputation. A Self.com article advises seekers of cosmetic surgery to check out online reviews of plastic surgeons in their regions. It’s also vital to inquire as to whether a plastic surgeon has an affiliation with a local hospital. Dr. Anthony Youn says that hospital privileges are imperative. Cosmetic surgeons who don’t have them should be avoided.

Are You a Good Candidate for Plastic Surgery?

Good candidates for plastic surgery (at any age over 18) should have expectations which are reasonable. They should also be aware of the risks of the procedures that they want to get. According to the WebMD website, cosmetic surgery may not be right for you if you suffer from hypertension, heart disease, depression or diabetes. As well, if you smoke, overdo it with alcohol or are obese, plastic surgery may not be a good fit.

Is Plastic Surgery Safe for Seniors?

The good news is that a Plastic and Reconstructive Surgery report determined that seniors aren’t at greater risk than younger patients. Researchers found that there was no real difference in frequency of major or minor complications between older adults and younger ones. Recovery times will vary based on procedure, patient medical history and other variables. Patients of all ages will need some time to recover, unless they choose non-invasive plastic surgery procedures, such as Botox or fillers. Results from invasive plastic surgery last longer than results from invasive cosmetic surgery.

An eyelid lift (upper blepharoplasty) is usually permanent, so you’ll only need one of these plastic surgery procedures. Results from a full face lift will generally last for at least five years. Now that you know the facts, you’ll be able to decide if it’s too late for plastic surgery. For many American seniors, the golden years are prime time for cosmetic procedures which boost self-esteem.

Three “Silent Killer” Diseases Seniors Should Be Aware Of

Written by Joe Fleming

Many seniors want to take care of their health and prolong their lifespans. But, they don’t always know what signs and symptoms they should be looking out for.

There are a number of totally preventable diseases that seniors suffer from without even knowing it. When these diseases go untreated for too long, they become difficult to manage and can lead to serious disabilities and even death. Because of this, these diseases are often referred to as “silent killers.”

Read on to learn more about three of the most common “silent killer” diseases and the symptoms that seniors (and caregivers) should be aware of.

  1. Hypertension

Hypertension, also known as high blood pressure, is one of the most well-known “silent killer” diseases out there. Approximately 75 million adults in the United States suffer from hypertension, and the likelihood of developing it increases as you age.

Elevated blood pressure is a precursor to hypertension, but, other than that, the disease usually does not come with any symptoms. The only way to know if you’re affected is to test your blood pressure regularly.

A blood pressure monitor — also known as a sphygmomanometer — is a great tool to have on hand. Check your blood pressure regularly and keep an eye out for a reading that is greater than 140/90 mmHg. If this reading consistently comes up, talk to your doctor about ways that you can lower your blood pressure.

It’s also important to cut back on behaviors and limit situations that increase your risk of developing hypertension, including the following:

  • Stress/anxiety
  • Smoking
  • Excessive alcohol consumption
  • Living a sedentary lifestyle
  • Obesity
  • Using birth control pills
  • Frequently consuming painkillers
  1. Diabetes

Approximately 371 million people all over the world have diabetes. But, according to the International Diabetes Federation, half of them don’t know it.

This lack of knowledge is what has branded diabetes as a “silent killer” — it’s no wonder health experts are calling diabetes one of the world’s fastest-growing health issues.

Common symptoms of diabetes include:

  • Excessive thirst and hunger
  • Sudden weight loss
  • Fatigue
  • Blurred vision
  • Frequent urination
  • Sores and cuts that are slow-to-heal

Some people are genetically predisposed to diabetes, but lifestyle factors like obesity, a lack of exercise, and a poor diet also contribute. A poor diet is especially problematic, as it can lead to insulin resistance, a precursor to diabetes that occurs when the body is no longer able to use insulin to remove sugar from the bloodstream.

Seniors, especially those who are overweight or obese, should be on the lookout for signs of diabetes. They should also have their blood sugar checked regularly.

  1. Coronary Artery Disease

Also known as CAD, coronary artery disease is the leading cause of death in the United States. CAD occurs when plaque builds up in the walls of the arteries and prevents blood from efficiently flowing through them. Over time, this plaque buildup can weaken the heart muscle and lead to heart failure.

Like hypertension, coronary artery disease usually does not come with any obvious symptoms. Some people experience chest pain or shortness of breath as a result of CAD, but many people don’t know they have the disease until after they’ve had a heart attack.

To avoid finding yourself in this position, it’s important to have regular check-ups from your doctor. This is especially true if you have a history of CAD in your family. Other people who face a great risk of developing CAD include:

  • Those who are overweight or obese
  • Those who eat a poor diet
  • Those who smoke
  • Those who a sedentary

To minimize your risk of developing CAD, you should focus on cleaning up your diet, quitting smoking, and exercising regularly. Your doctor may also prescribe medications that reduce your CAD risk.


People of all ages should be on the lookout for signs of and risk factors that contribute to these three “silent killer” diseases.

Seniors are particularly vulnerable to these diseases, and they are more likely to have a difficult time managing their condition. Because of this, they should keep this information in mind and be extra vigilant about maintaining their health and minimizing disease risk factors.