Four Hobbies That Are Ideal for the Retirement Years

motorcycle

When you were busy raising a family and working, it probably seemed like you hardly ever had much time for personal hobbies. While you might have dabbled here or there in scrapbooking, genealogy or gardening, most of your time was devoted to other, more pressing things.

Now that you are retired and the kids are grown and gone, you might finally have the time to pursue some hobbies. Whether you want to rekindle your love of a past hobby or try something new, there are plenty of fun and interesting options. As a bonus, some of them might even help to bring in a little extra income.

Tutor Kids in Math, Spelling or English

According to U.S. News and World Report, retirees are looking for ways to boost their monthly incomes. A great way to do this is to take up a hobby that is not only enjoyable, but can also be a paying job. A terrific example of this is tutoring. And as a major plus, you don’t have to be a retired teacher to become an in-demand tutor. Chances are good that you helped your kids with their homework when they were younger, and if you always found algebra to be awesome or spelling to be a snap, you might want to consider becoming a paid tutor.

You can either post your service online with a site like Craigslist, or you can become part of a large online tutoring service like WyzAnt.

Become a Gourmet Chef

When the kids were in school and life was busy, a lot of your home cooking probably involved getting tasty yet easy-to-prepare meals on the table. Now that you are retired, if you have always enjoyed spending time in the kitchen, it is a great time to bring your love of cooking to the next level. Spend some time browsing through cookbooks and online cooking websites looking for recipes that you want to try, and take a course through a local cooking school, upscale kitchen supply shop, or community center. Sur La Table offers cooking classes all across the U.S.

Hit the Open Road on a Motorcycle

Maybe you had a motorcycle before you started a family, or you always envied those who hopped on the back of a Harley and headed out on the highway looking for adventure. No matter what your motivation is, retirement can be a great time to rediscover or launch your love of motorcycles. You can check local ads to purchase a pre-owned machine that’s in great shape or buy a new model from a motorcycle shop, and then stock up on safety equipment. The online retailer BikeBandit offers a wide variety of helmets, jackets and other equipment that you’ll need before heading out on your new or new-to-you motorcycle.

Volunteer Your Time

If you find yourself pining away for those days when others depended on you, you might enjoy spending some of your time volunteering. One of the great things about volunteering is that you can decide where, when and how to spend your time. If you love your own pets, you might see if a local animal shelter needs help with walking dogs, grooming kitties or cleaning out cages. If you like to garden, you might ask if you can help to beautify the exterior of a nursing home or library. And if you love being around kids, inquire at the middle school down the road if you can help out in the library or in other ways.

This article is from Alison Stanton, who has been a freelance writer for the past 14 years. Based in the Phoenix, Arizona area, Alison enjoys writing about a wide variety of topics, but especially loves meeting interesting people and telling their stories. 

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Pre-Nuptial Arrangements: Five Things You Need to Think About

motorcycleToying with the idea of getting a prenup, even when you’re blissfully happy at the moment? According to Thomas A Corletta, an attorney in Rochester, NY, prenups are quickly growing in popularity. Why? Primarily, for the protection of separate property. Before asking your partner to sign a prenuptial (or signing one yourself), take these five things into consideration.

You May Not Need a Prenup
Prenuptials protect whatever assets you bring into a marriage. If you’re not bringing much, you probably don’t need a prenup. While you’ll want to consult an attorney to be 100% sure you’re making the right decision, if you’re making less than $100,000 per year, there’s usually no reason to get one.

If You Don’t Get a Prenup, You May Want a Premarital Agreement
Some couples decide to move forward with a prenup or prenuptial-type agreement even if they’re not individually bringing a lot into the marriage. They can cover a host of issues if you want them to, including how to divide the property that the couple gets throughout their marriage, who will pay the debt that the couple incurs during their marriage, and who will pay spousal support and alimony and for how long.

State Law May Already Protect You in a Divorce
You may already have all the protection you want from state law, which often details how debts and assets will be separated during a divorce. In community property states, for example, everything you and your spouse get during your marriage is divided down the middle during a divorce.

The Court Doesn’t Always Go Along With the Prenuptial
If you do end up getting divorced, you may not be as protected as you think you are by the document. The judge can refuse it for a number of reasons, like if there are children involved, or if one party didn’t understand the terms of the prenup when signing it.

Some People Argue that a Prenuptial Can Lead to Divorce
There are some schools of thought that feel that a prenuptial is not just preparation for a divorce, but also encouragement for divorce. Those pre-wedding conversations about division of property can lead some couples to feel resentment throughout their marriage.

A lot of people think of a prenuptial as a romance-killer, and in a respect, it is. Marriage is about more than just love, though – there’s a business to it, and that business should be protected.

This article is from Brooke Chaplan, a freelance writer and blogger. She lives and works out of her home in Los Lunas, New Mexico. She loves the outdoors and spends most her time hiking, biking and gardening. For more information contact Brooke via Twitter @BrookeChaplan.

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Congress Passes ABLE Act 

Congress passed the ABLE Act today, which creates tax-favored accounts for children and adults whose disability occurred before age 26.

The ABLE Act allows these tax-favored accounts to receive up to the annual gift tax exemption (currently $14,000 per year). Beneficiaries are restricted to one account, but anyone could contribute to their account. Modeled after 529 college savings accounts, ABLE account programs will need to be implemented by the states.

According to the Congressional Budget Office, “assets in an ABLE account and distributions from the account for qualified disability expenses would be disregarded when determining the qualified beneficiary’s eligibility for most federal means-tested benefits. For SSI [Supplemental Security Income], only the first $100,000 in each ABLE account would be disregarded.”

The Senate passed the ABLE Act as part of the Tax Increase Prevention Act of 2014, also known as “tax-extenders,” a bill that includes a variety of extensions for temporary tax provisions. The House passed the ABLE Act overwhelmingly 404-17 on December 3, 2014, and engrossed it into the “tax-extender” bill before sending it to the Senate last week.

The President is expected to sign this legislation.

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FDA Considering Link Between Testosterone Supplements and Heart Disease

Bloomberg News reports that the possible link between testosterone supplements and cardiovascular disease is fostering a debate over their risk-to-reward profile. Today the FDA is scheduled to consider whether the supplements, used by 2.3 million men, are being properly prescribed. The FDA will also ponder “whether the labels should change to reflect heart risks suggested by some studies.”

From the news release of the American Association for Justice.

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Study: Non-Smokers’ Apartments Receive Toxic Chemicals From Smoking Neighbors

ID-100102927Reuters reports a study published online in Nicotine and Tobacco Research investigated the effects of secondhand smoke on apartment dwellers. The study found non-smokers’ apartments to have a rise and fall of toxic chemicals when neighbors were lighting up.

From the news release of the American Association for Justice.

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DOT Launches Website for Cruise Ship Passengers

The Miami Herald reports that the DOT has launched a “website aimed at travelers that compiles information about safety, consumer concerns and criminal incidents involving cruise ships.” The announcement noted that the agency “does not regulate the industry,” although the website will be a resource for potential customers. “We are committed to providing the traveling public with as much information as possible to make informed decisions about their travel and making sure they know their rights before, during, and after their trip,” Transportation Secretary Anthony Foxx said in a statement. The site, which “includes information about the Federal Maritime Commission, U.S. Coast Guard and FBI as well as links and phone numbers for complaints about consumer issues and safety,” was praised by Senator Jay Rockefeller (D-WV), who called it an “important and extraordinary step to help protect passengers on cruise ships.”

From the news release of the American Association for Justice.

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What to Expect From a Personal Injury Lawyer After an Accident

Personal Injury Lawyer

Getting into a car accident is upsetting enough, but it is even more stressful when you have sustained serious injuries due to someone else’s actions. Many people decide to hire a personal injury lawyer to assist them with filing a lawsuit against the other party. This may provide them with the financial resources needed to recover and get back on their feet but before you start interviewing lawyers, it’s important to know what to expect from them.

Skills and Experience Matter

When you schedule an appointment with a personal injury attorney, he or she should prepare for it in advance. This shows respect for your time. Shortly after introductions are made, the attorney should provide you with information about his or her legal education and experience handling cases like yours. This should include college degrees, other law firms he or she has worked at and membership in legal associations.

You should feel comfortable enough to ask important questions about the lawyer’s background, such as his or her percentage of winning cases and strategies for a successful lawsuit. Remember, skill and experience matter when it’s your case they are defending. You can never have a lawyer who is too experienced to take on your case.

Monetary Matters

A large percentage of personal injury attorneys accept cases on contingency. This means that the injured person doesn’t pay a fee unless the lawsuit is successful. At that time, the attorney deducts his or her fee directly from the settlement. However, this is not always the case. You must ask about fees and be certain that you understand them before hiring a lawyer to prepare and file your personal injury lawsuit. It is also common for attorneys in this line of work to provide clients with a free initial consultation.

They lawyer you meet with should be able to give you a typical settlement offer for your type of accident. You can also ask how much you might take home after all legal fees are deducted. Some personal injury attorneys charge a retainer or other miscellaneous fees that you must account for when determining your possible final settlement amount. Asking these questions beforehand will leave you with a good idea of what you can expect at the end of litigation.

Your Relationship with Your Lawyer

It is not necessary that your attorney has your exact personality, but it is important that you feel comfortable working together. Keep in mind that you will have frequent contact with this individual until your case is settled. Ask the person you are meeting with if he or she is the same one who will handle day-to-day interactions such as phone calls and emails or if they have a concierge that handles that. When answering your question, the attorney should also say how long it typically takes to respond to your case inquiries. Having an open relationship with free flowing communication on both sides will lead to greater chance of success and satisfaction for both parties.

If you are considering hiring a Taylor & Blair lawyer, then going into the initial meeting with a good sense of what to expect can make the whole process smoother. Your health is no joke and the lawyer you hire to help you should make it top priority to get you what you deserve.

This article is from Meghan Belnap, blogger, researcher, and freelance writer.

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Pharmaceutical Giant Withdraws Hysterectomy Device From Market

morcellator

In a front-page story, the Wall Street Journal reports that Johnson & Johnson disclosed that it decided to pull from the market a device called power morcellator, which is used during uterine procedures, in the wake of concerns that it could accidentally help spread undetected cancer.

Bloomberg News reports the company decided to suspend use of the devices after the FDA “warned doctors that the widely used surgical tool may disperse malignant cells.” The agency “found that 1 in 350 women who undergo surgery with the devices may have a type of cancer that the procedure can spread beyond the uterus,” the article notes.

From the news release of the American Association for Justice.

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Five Serious Signs That it is Time for an Elderly Driver to Hand Over the Wheel

Five Serious Signs that it is Time for an Elderly Driver to Hand Over the Wheel

The ability to drive is an enabling freedom that we don’t easily give up, mostly because it hinders our independence significantly if we can’t drive. The point at which elderly drivers should stop driving is not universal; it will vary from individual to individual. This is mainly because age affects each person differently. While some of the risks that elderly drivers face can be mitigated with safer driving practices, it will be necessary for them to put the keys away at some point. What are the signs that an elderly person should stop driving? Family members should look for the following:

Declining Physical Abilities

Driving a car calls for a certain amount of physical strength, flexibility and coordination. When these things start to diminish, it may be a sign that an individual’s driving days are numbered. There are a number of ways that age-related physical limitations can affect driving ability; for example, reduced arm strength can make it difficult to turn a steering wheel quickly.

Declining Cognitive Abilities

Along with physical limitations, there are also mental ones. An older driver may have slower reflexes and may not react quickly to actions taken by other drivers. This can be extremely dangerous because it lowers their ability to be a defensive driver—an extremely vital skill when on the road. Spotting pedestrians and paying attention to traffic signals may be more difficult as well, putting others in physical danger.

Driving Too Slowly or Too Quickly

Many people complain that elderly drivers always drive too cautiously, but most of the time, their lack of speed is due to a lack of reaction time. Driving slower than the road conditions demand could mean that the driver is compensating for their slowed reflexes. Alternatively, driving too fast could mean that they are trying to avoid being noticed for driving too slowly.

Drowsiness from Medications

Elderly people often take a variety of prescription medications, and many medications list drowsiness as a side effect. The medications that elderly drivers take should be monitored for this side effect and they should not be allowed to drive if there is a possibility that they could fall asleep at the wheel.

Alcohol Consumption

How a person’s body tolerates alcohol changes as they age. Even if they have not increased their drinking, the effects may be more pronounced. Additionally, the National Survey on Drug Use found that 40 percent of adults over the age of 65 drink alcohol. No one of any age should drink and drive, but seniors who drink even a little should be kept from driving since it may be difficult to tell how much alcohol will cause impairment.

According to a report from the Automobile Association of America Foundation for Traffic Safety, drivers over the age of 80 are more likely to die in a car accident than drivers in any other age group except for teenagers. It is important to look for signs that an elderly driver may be unable to drive safely and to encourage them to stop if they are placing themselves and others in danger.

This article was written by Dixie Somers, a freelance writer who loves writing for business, finance, women’s interests, and family issues. She lives in Arizona with her husband and three beautiful daughters. She got advice for this article from the personal injury lawyers in Surrey at Yearwood & Company.

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Only the Best: Five Tips to Finding a First-Rate Personal Injury Lawyer

Only the Best 5 Tips to Finding a First Rate Personal Injury Lawyer

When you have been involved in a personal injury or accident, seeking help from a lawyer or attorney is often the way to go in order to get the compensation you deserve. Knowing how to go about seeking the right attorney for your case can be done with a few tips to ensure you are guaranteed the best first-rate personal injury lawyer available to you.

Assess Your Needs

Before hiring a personal injury lawyer it is important to first assess your needs in terms of an attorney and the type of legal expertise you are looking for with your case. Knowing the type of legal attorney you need to hire is a way for you to feel more at ease when eliminating professionals who are not right for you.

Gather Paperwork and Information

Gather as much paperwork, evidence and documentation for your case as possible when you begin searching for a first-rate personal injury lawyer. Gathering photos, video records, police reports and hospital records can help to prove your case in court, especially if you are seeking compensation for suffering or any personal injuries you have sustained yourself.

Ask for Referrals

Ask family members, friends and those you know who have been involved in a personal injury case for referrals to attorneys to find a lawyer who is experienced and ready to take on your case.

Read Testimonials

It is also highly advisable to read as many testimonials for lawyers as possible when you are seeking a first-rate personal injury attorney. Reading testimonials online and on official legal websites is a way for you to not only learn more about attorneys but it is also a way to find a lawyer who specializes in the type of personal injury case you have.

Visit Attorneys in Person

Visiting attorneys in person is another method to get a feel for the lawyer who is right for you and your case. When you choose to meet with a lawyer in person it is possible to ask questions and to inquire about the type of assistance and legal counsel you are capable of receiving. Getting to know attorneys in person can help with making the right decision for your case.

Working together with a first-rate personal injury law firm like Eschbacher Law is a way for you to regain control of your life any time you have been involved in a personal injury accident or incident. Give us a call today for a consultation and to begin getting your life back on track.

This article is from Karleia Steiner, who works as a freelance blogger and consultant. You can follow her on Google+.

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