Shane Flait asked:


alth and activity level passes through 3 phases during retirement. And that’ll alter our living options and expenses. By recognizing this, you can modify your living expenses now to suit your wishes and happiness. I’ll outline these phases and the actions you can take to optimize your lifestyle choices by minimizing your expenses.

The 3 phases of retirement are:

1) Healthy, Active and Independent Stage: Usually you begin your retirement in this phase. Your activity and lifestyle choice determines your expense level – and the associated income you need. Choosing a satisfying lifestyle with little expense may be best for you. This stage can last as long as your money and health hold out.

2) Minor Health Problems with Slowdown and Almost Independent Stage: You’re still living independently but running into minor health issues. Hopefully you’re doing what you want but are just slowing down. This stage may present the lowest expenses – i.e. the least demand for income. Hopefully, this is the last stage for many – no matter how long they live.

3) Infirmed and Dependent Stage: Eventually, the full effects of ‘old age’ will infirm many retirees. Three out of four1 future retirees will require long term care in their homes and nursing homes. Costs2 can be substantial – rising to as much as $80,000 per year for nursing home care in the U.S.

You can control the expenses of the first two stages by optimizing your lifestyle and activity choices. That way you’ll know what retirement income you really need. And that can be far less than you think for a lifestyle you choose.

Recognizing the inevitability of our health’s progression will get you to take the action now to choose a lifestyle you’ll like and can afford.

Group your expenses into 3 categories:

1. The Basics: Housing, transportation, and meals

2. Entertainment

3. Healthcare

Throughout your first two phases, The Basics stay roughly the same, while entertainment decreases with decreased health and activity levels. Healthcare expenses trend slowly up but can dominate expenses in phase 3 especially if you need to go into a nursing home.

You can modify the expense for your Basics and Entertainment by choosing a lifestyle that maximizes your enjoyment but minimizes expenses. If you maintain living as when working – same house and location – your expense may be roughly the same.

But if you’re willing to decide what’s really important to you – and stop paying for what isn’t – then you can drastically reduce your Basics and Entertainment in a variety of ways.

Examples include lowering your housing costs by buying down, taking on a renter; selling your car for a cheaper version; moving to a cheaper region of the country; or moving offshore for further reducing expenses. I offer ideas at my website.

Choose Your Lifestyle and Act On It:

Of course, you should lower your expenses but keep them compatible to the kind of lifestyle you’d find fulfilling. But you’ve got to think about what that is and act upon it. Perhaps follow your heart or dream. Happiness often accompanies a meaningful purpose to living.

Enjoyable and fulfilling examples may include living peaceably in a low income country, painting or writing as you always wanted to do, working as a volunteer or doing low paying charity work. Hopefully, such avocations will increase your zest for life – and maintain your health and activity phase longer. But it won’t happen unless you make it happen.

So don’t procrastinate and prepare yourself for action:

1) Decide what lifestyle will bring you fulfillment and joy in your ‘retirement’

2) Search out all the ways you can modify your expenses so your income can support your lifestyle of choice.

Reducing unnecessary expenses may free up future income to pay for assistance and healthcare costs you develop in phase 2. Living offshore in a low income country often presents very inexpensive hired help for you as you get older.

And what if you succumb to the dependency and afflictions of phase 3?

If you have about $1m or more, your investment earnings can cover your care so you can leave a legacy to your children. With less wealth, you could purchase long term care insurance to protect whatever wealth you do have from going all to your long term care costs.

If you’ve given your wealth away and are broke, Medicaid will pick up the tab. So you needn’t worry about money.

Above all, don’t live your life for phase 3 – live it for phase 1.

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Muna wa Wanjiru asked:


A Lifestyler treadmill is one of the best choices a fitness beginner has, it’s cheap, reliable and offers reasonable performances. Despite the fact that Lifestyler models have an older design they are still very appreciated by enthusiasts. Lifestyler treadmills are recommended for cardiovascular problems but they provide support for many other health affections. They come with a very intuitive design, helping the user not to do something wrong with the machine settings. The somehow obsolete aspect of certain models are reflected in the treadmill price, so if you look carefully at the prices you will realize that the producing company offers a fair bargain: decent quality for a low price.

Most Lifestyler treadmill models come with the common features that classical machines have so that they can be an effective solution for small commercials in the fitness business as well as for home users. If you like the latest facilities that most expensive treadmills have than Lifestyler isn’t the choice for you. Many fitness trainers recommend Lifestyler treadmills as being well made and easy to work on. If used correctly they can improve the general health condition since even the slowest walk can accelerate metabolism enough to eliminate the daily fat surplus.

Any Lifestyler treadmill is designed to reduce friction and provide more flow, they try working complementary with the body natural moves so that in actual practice classical walking is simulated. Being so easy to work on, such features encourage the user to keep practicing on the machine. Lifestyler treadmill solutions come up with a unique design for the suspensions avoiding the injury in case of a training accident. The company gives a ten-year warranty for the engine and this is great if you compare this offer with other models from the same price class.

One of the most appreciated Lifestyler treadmills is the Lifestyler 2800, this home-devoted device offers a very smooth running experience while keeping the performance at a high level; thus the model absorbs all the shocks that the user could experience. Being very cheap while offering decent warranty conditions and good training features the Lifestyler treadmill 2800 is one of the best low-price solutions. Any buyer is recommended to try one of these devices before buying one, since it is better that you check whether the options the models offers are enough for you. If you don’t like noisy engines then consider buying a DC model that is much more quiet.



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peterhutch asked:


The term lifestyle was originally coined by Austrian psychologist Alfred Adler in 1929. The current broader sense of the word dates from 1961. In sociology, a lifestyle is the way a person lives. A lifestyle is a characteristic bundle of behaviors that makes sense to both others and oneself in a given time and place, including social relations,consumption, entertainment, and dress. The behaviors and practices within lifestyles are a mixture of habits, conventional ways of doing things, and reasoned actions. A lifestyle typically also reflects an individual’s attitudes, values or worldview.

Having a specific “lifestyle” means engaging in a characteristic bundle of behaviors that makes sense to both others and the self in different times and places. Therefore, a lifestyle can be used to forge a sense of self identity and to create cultural symbols for the way a person is. The behaviors and practices within lifestyles are a mixture of habits, conventional ways of doing things, and reasoned actions.

At Lifestyles, our exercise specialists are certified by the American Council on Exercise as Personal Trainers. They provide professional supervision of all fitness activities and services, and design individualized programs for people of all ages with diverse fitness goals: healthy adults, post-cardiac and pulmonary rehabilitation patients, deconditioned and unconditioned adults, and adolescents desiring high-intensity sports conditioning programs. Lifestyles is dedicated to health, nutrition and the betterment of your life. We research, develop and manufacture the highest quality natural health, nutrition and body care products and make them available through thousands of Independent Distributors worldwide.

Lifestyles keeps you informed about the latest in health and nutrition, encourages personal and family growth, community contribution, and can even provide financial security for those interested in their own part-time or full-time business. As a Lifestyles Independent Distributor, you are a self-employed businessperson, working with Lifestyles but not for Lifestyles. Indian lifestyles clearly glorify the geography. The food, clothing and habits of an Indian differ in accordance to the place of origin.

UTI India Lifestyle Fund (UTI-ILF) is a 3-Yr close-ended fund with an automatic conversion into an open-ended scheme at the end of the stipulated tenure. The fund seeks to capitalise on the opportunities emerging from the changing Indian demographics, lifestyles and rising consumption pattern. By limiting itself to lifestyle-related sectors, the fund stands to lose out on investment opportunities in other sectors/themes like infrastructure, banking, finance (particularly industrial finance) and software. Although, the fund does have a provision to invest a portion of assets in such sectors, the bulk of its investments will be in lifestyle-related sectors.

In public health, “lifestyle” generally means a pattern of individual practices and personal behavioral choices that are related to elevated or reduced health risk. Since the mid-1970s, there has been a growing recognition of the significant contribution of personal behavior choices to health risk—in the United States thirty-eight percent of deaths in 1990 were attributed to tobacco, diet and activity patterns, and alcohol. Equally important, illnesses attributable to lifestyle choices play a role in reducing health-related quality of life and in creating health disparities among different segments of the population.



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David Pattie asked:

Lifestyle is a way of way of life or style of living that reflects the attitudes and values of a person or group. Lifestyle generally means a pattern of individual practices and personal behavior and related to elevated or reduced health risk. In sociology, lifestyle means the way of a person lives. A lifestyle also reflects an individuals attitudes, values and worldwide. In day to day life, lifestyle has become blurred in among modern society.

A lifestyle is a characteristic bundle of behaviors that makes sense to both others and oneself in a given time and place, including social relations, consumption, entertainment, and dress. Lifestyle is a mixture of habits, conventional ways of doing things, and reasoned actions. Lifestyle was originally discovered by Austrian psychologist.

A lifestyle is a characteristic bundle of behaviors that makes sense to both others and oneself in a given time and place, including social relations, consumption, entertainment, and dress. A lifestyle typically also reflects an individual’s attitudes, values or worldwide. The lines between personal identity and the everyday doings that signal a particular lifestyle become blurred in modern society.

When lifestyle became popular a generation ago, a number of critics objected to it as voguish and superficial, perhaps because it appeared to elevate habits of consumption, dress, and recreation to categories in a system of social classification. Nonetheless, the word has proved durable and useful, if only because such categories do in fact figure importantly in the schemes that Americans commonly invoke when explaining social values and behavior.

Lifestyles are subject to change by the demands of marketing and technological innovation now a day. Advertisers and marketers provide target and match consumer aspirations with products, or to create aspirations relevant to new products for lifestyle.

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