How to Stay Fit Later in Life

As we age, life takes some adjustment and requires thoughtful self-care. Keeping or building a social network can help promote consistency and fun when exercising.  Though staying healthy should be a high priority for everyone, it is important to consider the health benefits of staying active later in life and into early retirement.   

Physical activity promotes flexibility, pain management, and heart health, but fitness is crucial for mental and emotional health as well, as exercise aids mood stability and can even improve memory. To stay healthy later in life, consider these fitness and health tips:

Swimming – Swimming is a great low-impact exercise that can be done year-round and is great for the entire body. Swimming has many benefits including, heart health, easy on joints and bones, and great for circulation and lowering blood pressure. By joining a neighborhood gym, or taking advantage of amenities offered at an active adult community you can socialize and take care of your health all at the same time.

Golf – Staying healthy can be as easy as a day on the links: golf is a perfect recipe for health and wellness. Social interaction with golf buddies, vitamin D from the sun, and moderate physical activity are all benefits of playing golf. Golfing with friends at an active community like Terravita Golf & Country Club is a great way to be a part of the community, and to keep your health top of mind.

Yoga – Yoga is a wonderful promoter of healthy aging. It is great for reducing stress and blood pressure, improving flexibility and breathing problems, and for general mindfulness and spiritual health. Start slowly and with regular practice you will begin to see positive changes in your health. Many family and active retirement communities offer a fitness center equipped with group classes such as yoga. Joining group exercise classes not only gives motivation for a healthy lifestyle but encourages a social life away from the office or later in life, post-retirement.

At-Home Fitness Routine – Try some simple exercises that don’t require any equipment and don’t take up a lot of time. Healthy aging can be fostered with just a few daily staples like marching in place and heel raises. These simple exercises can strengthen muscles, improve balance and flexibility, and help reduce pain, cramping, and stiffness.

Many baby boomers and early retirees are concerned about how to stay healthy. By adding new and easy fitness routines, you can encourage healthy aging and enjoy your new hobbies with a community of friends. For more information on Terravita Golf & Country Club and how active communities encourage healthy living, contact us today!


Tips for Downsizing to Prepare for Retirement or a New Home

Sometimes bigger isn’t always better. As the years go by and the kids move away, your home can start to feel like a storage unit of good memories and clutter. As you approach the possibilities of early retirement think about what’s important to you and ultimately where do you see yourself living. The steps to downsizing your home and relocating to a retirement community can be overwhelming. If you find your material possessions to be holding you back into early retirement, this might be a sign that you’re ready to downsize your home. 

Here’s a quick guide to start slimming down your home today: 

  • Declutter: Whether you consider downsizing or relocating into a retirement community, start small and purge what you don’t need. Start with something simple like the countertop, then take one closet at a time until you feel you’ve narrowed down the items that you need. Don’t stop until you’ve filled several boxes of items to donate to a local charity with the “stuff” that clutters homes and minds alike. Decluttering is a great first step in downsizing your home and evaluating your main needs.
  • Evaluate Your Needs: What do you love most about where you live? What do you desire in a climate? What activities spur your interest? Do those pastimes come with locational limitations? What size home will suit you in 5, 10, 20 years? If your desires include an active lifestyle, you might consider homes in Arizona to take advantage of golf communities and beautiful weather. If you know what you want, you’re more likely to get it, so start thinking about it now.
  • Make a Plan: Early retirement is one of the most popular reasons people decide to downsize. Whatever your goal is, make a plan. Write it down, share it with family and friends, and put it into action.
  • Focus on the Future: Ask your financial planner how you can put your dreams into reality and what you can be doing now to reach them. Don’t accumulate reasons why it won’t, can’t, or shouldn’t happen.

Whether you’re looking to permanently or seasonally relocate, or just ease the stress of maintaining a house too large for your needs, now is the time to take the first step toward your future. Contact us today to learn more about why planning your early retirement or a new home in a golf community is something you should be thinking about.

6 Benefits of Living or Retiring in a Private Golf Community

Gone are the days of a boring retirement when such a phrase was synonymous with an uneventful future. The quality of life beyond retirement has grown in leaps and bounds thanks to the flourishing of beautiful private retirement golf communities and the demands of planning an early retirement. The typical retiree isn’t typical – with more choosing private retirement communities with benefits beyond home ownership – communities have risen to the challenge and provide more than just a restful place to retire. Read more for the benefits of living or retiring in a private golf community.

  1. Socialization: Being surrounded by friends and engaging in fun social activities lowers the risk of dementia and strengthens the immune system. Living in a private or upscale golf retirement community comes with a built in network of people who all share space in the community. Enjoy a glass of wine with your friends and neighbors and become part of a community of peers to live stronger.
  2. Security: A solitary lifestyle doesn’t have to be fraught with dangers. Upscale golf or retirement communities are safe places to enjoy an evening stroll, sunset golf game, or stargazing. Realizing you forgot to lock the door is not quickly followed up by an anxiety attack. Enjoy the peace of life in a secured community.
  3. Fitness: Staying active could very well be the proverbial fountain of youth. Enjoy a daily round of golf, a neighborhood stroll, a match of tennis, yoga classes, take a swim in a state-of-the-art pool, or stick with your own routine at a community fitness center. Stay fit and stave off insomnia, prevent heart disease, and decrease cancer risks along with countless other physical and mental benefits. Maybe even enlist your friend and neighbor for accountability and companionship during your workouts.
  4. New Experiences: Ever wanted to try something new but felt uncomfortable going it alone? Enjoy new experiences with neighbors, peers and friends. Making new experiences group experiences is fun and exciting. Luxury private and golf communities cater to their residents with organized opportunities for get togethers, themed-parties, seasonal gatherings, games, book clubs, workshops, volunteering, and more.
  5. Low Maintenance: Being a part of a community simply makes life easier. Many upscale communities offer an array of services from meal planning and preparation, to landscaping, to chauffeured transportation. Living in a home outfitted with the latest technology and favorite amenities makes it that much more pleasurable to enjoy visits with the grandkids. Whatever your personal lifestyle craves, a luxury country club or retirement community has the options to suit your unique needs and characteristics.
  6. City Life Benefits: The quality and availability of healthcare in retirement tops the list of most mature adult’s major priorities. Living in a community that is in close proximity to, but not in the busy heart of, a city like Phoenix is perfect since you having access to major healthcare services and hospitals. You also have easy access to shopping, dining, cultural and other major events.

If you’re looking for a private golf and country club community or in the planning stages of retirement, living alongside your peers in a private community has a multitude of benefits. Please contact us to find the perfect place for your active lifestyle.

6 Benefits of Seasonal Living

For many retirees and working professionals with flexible jobs, seasonal living is the ideal lifestyle. People who embrace this way of life are often called snowbirds or winter visitors. They migrate from their homes in a colder climate, such as Canada, the Northeast or Midwest, to a warmer, more mild location. Seasonal living means having your cake and eating it too! Spending the otherwise harsh winter and spring in a temperate area, like Arizona, and the summer months in your home state.

When you’re thinking about retirement planning or early retirement, here are 6 reasons seasonal living is a phenomenal choice for your retirement.

  1. Amazing Weather

Who wouldn’t want to enjoy plentiful sunshine and warmth in the dead of winter? What about year round golf? Many people choose to retire in Arizona, or one of the “sunbelt” states, for these reasons alone. Also, living in a climate that isn’t prone to winter hardships like ice and snow is a smart idea for older adults, who can be at risk for falls on slippery surfaces.

  1. Time with Family

You may think moving south for the winter months will keep you from your family which isn’t true. Seasonal living means you can be close to your family during the summer and enjoy the holidays with them. Then, just when the weather is starting to turn cold and unpleasant, you can zip off to your winter home in a warmer climate.

If your grown children or grandchildren are looking for a place to vacation in the winter, they can visit you! Time spent with family in your seasonal home will become a treasured memory.

  1. Keep Your Roots

Many retirees grow up in a Midwestern or Northeastern town and don’t want to permanently leave. Seasonal living is the perfect arrangement, since you can still keep a home in the town you grew up in, while enjoying a winter home in another state for several months of the year. There are also options if you’re not looking to own two homes. You can rent for the season, or for the more adventurous, take an RV to move between locations.

  1. Enjoy Physical Activity All Year

Keeping an active lifestyle is key to enjoying good health as you age. Seasonal living gives you the opportunity to do more of the outdoor activities you enjoy, such as golf, walking, bicycling, swimming, and enjoying nature. The plethora of outdoor activities and practically year-round availability of gorgeous scenery, golf courses, trails and pools makes Scottsdale Arizona one of the best places to retire in Arizona.

  1. Change of Scenery

Living in the same town day after day, year after year, can get boring. A change of scenery can help stimulate your brain, which can help you stay mentally active. Especially if you’re considering early retirement, embracing a seasonal lifestyle can help you get more enjoyment out of life while traveling and seeing what our beautiful country has to offer.

  1. Make New Friends

Seasonal retirement communities are very social places. Many communities also host fun social events designed to connect their residents. There are many cultural activities as well in which to engage with others that share your interests, making the transition a bit smoother. The cultural scene in the Phoenix area boasts beautiful botanical gardens, operas and ballets, sporting events and many others, making it one of the best places to retire in Arizona.

With a seasonal population of more than 300,000 residents and daytime temperatures averaging 70 degrees, seasonal living has more than its fair share of benefits in Arizona. Another benefit that makes Arizona one of the best places to retire is that it’s full of activities, such as golf, hiking, bird watching, gambling and social events. Whether you’re considering an Arizona retirement, or another sunshine state, seasonal living is the way to go!

Contact us if you have any questions or to find out more about our community and what Terravita has to offer.

Is Early Retirement Right for You?

Are you considering early retirement? Many people consider retiring before they reach their 60’s. There are many positives and negatives when it comes to retiring early and it’s important to be completely sure before taking the leap. Below are 4 questions to ask yourself if you’re considering early retirement.

  1. Can you live on a retirement budget?

The most important question is whether you can live the life you want on your retirement budget. Many people suggest making a post-retirement budget and living on that budget for a 6-month period to see if retirement is realistic. If you’re considering a move to a great retirement city such as Scottsdale, Arizona, you should calculate in the cost of living in Scottsdale into the budget. The State of Arizona does not tax Social Security income, so be sure to factor that good news into your budget. Each state varies so be sure to check the tax rates for your retirement location. 

  1. Do you have reliable health insurance?

Since Medicare does not kick in until the age of 65 and potential changes to the Affordable Care Act (ACA) means having reliable health insurance for your early retirement plans is a must. Questions to ask yourself about health insurance are:

  • Does it have low deductibles and copays?
  • Does it cover dental and vision?
  • Will my expenses be as low as possible?
  • How often will rates change and by how much?

There are a la carte options like Direct Primary Care or even faith-based health care ministries available as well. Consider whether dental insurance is important to you and factor that into your early retirement budget.

  1. Are your children financially independent?

If your kids are out on their own, then this is one less thing to consider. However, if you still have kids in high school or college, you must consider the costs of higher education, possibly in another state. Can you retire early and live the way you want to, while paying for college? If you do have grown children and maybe grandchildren, having them come for a visit when you’re retired can be very fun. Retiring early in Arizona, in a place like Scottsdale, there are many opportunities for relaxing and entertainment, such as playing golf, hiking, shopping and fabulous dining or taking in a spa day.

  1. Are your debts paid off?

If you have a mountain of debt, you’re probably not ready to retire. The point of retiring is to be able to relax and do what you have dreamed about doing, but weren’t able to do because you were busy with your career and/or raising a family.

If you answered ‘yes’ to most of the questions, you may be ready for early retirement. One of the best places to retire in Arizona is Scottsdale, which has ranked a Top 10 Place to Retire. Scottsdale boasts warm, dry weather, plenty of sunshine, and gorgeous desert views. To go with this wonderful weather, Scottsdale offers many outdoor activities, such as golfing, year round. Many attractions offer discounts to senior citizens as well. The city has an extremely low crime rate and top-notch healthcare facilities.

Contact us to find out more about our community and what Terravita has to offer, whether you are retired, considering retiring, or still working.