Beginning Retirement in Vermont

August 13, 2019  
Filed under Aging Parents, Feature Stories, Mature Matters

According to recent studies, Vermont is one of the best states for retirement. A beautiful state with close-knit communities, there’s no doubt that this state offers a peaceful atmosphere.

But are you ready to retire?

If you’re ready to begin considering retirement, there are many different things you’ll have to begin looking into. The cost of health care services, Social Security benefits, Medicare eligibility, and where to retire are all huge factors when making this decision.

Typically, people have looked at 65 years old as the ideal age to begin retirement. While in most cases this can kickstart your Medicare eligibility, it can also kick Social Security into high gear.

Thus, beginning one’s retirement journey.

Beginning Retirement in Vermont

The decision on when to take advantage of your retirement options is a big one to make.

There are several different options to investigate when making this choice, and you’ll want to really take your time in making these decisions carefully. These decisions could very well have a direct impact on your monthly benefit amount that you’ll receive.

Let’s look below at the three withdrawal options for these benefits:

Collecting Benefits Full Retirement Age

At this age, an individual may receive a full allowance of their monthly Social Security benefits. This age is determined by your birth year.

Full retirement age is typically considered 65 years old for anyone that was born before 1937. Anyone who was born after 1938 could have a full retirement age of 67 years old.

Collecting benefits Early Retirement Age

Beginning at the age of 62 years old, you may begin to collect your early retirement benefits.

However, by choosing to begin receiving benefits earlier than your full retirement age, your monthly benefits received will be lower every month.

You May be Eligible for Delaying your Retirement

By going with this option, you’re choosing to delay your retirement benefits. One of the benefits of going this route is that you could potentially inflate your monthly benefits if you’re eligible.

These increases do end at 70 years old.

With several different options available to you for a retirement plan, how do you choose the best retirement options suited for you? Retirement is about relaxation, not about worry.

Be sure to go with the plan that will allow you to pay any and all expenses that may arise, while still feeling comfortable enough to enjoy these glory days.

 Affordable Healthcare During Retirement

An important thing to keep in mind when exploring your retirement options is the healthcare. Will you still be able to afford healthcare services needed?

Healthcare costs can add up quite quickly and while Medicare may help with many of your healthcare costs, it doesn’t always cover everything you may need it to.

Medicare supplement plans can be incredibly beneficial in picking up those extra costs that may not have been fully anticipated.

The best thing retirees can do is to create a plan for savings and stick with it. By saving funds for retirement early in life, you’ll have a much greater chance at living comfortable in retirement.

Social Security & Retirement

Social Security is a financial safeguard for retirees. The program was established in 1935 and is based on earnings that employees make and contribute into the system.

Throughout the course of your employment, you’ll pay into Social Security, so that you’ll be able to receive those benefits later in life when you are ready to retire.

You can sign up to start the application process for Social Security benefits by:

  • Going online to and applying
  • Calling Social Security at 1-800-772-1213
  • Applying in-person at your local Social Security office

Medicare & Retirement

Medicare coverage while retired is full of benefits. Original Medicare (Parts A and B) may help cover a lot of medical services and procedures while you’re retired but may not cover everything. You will be faced with plenty of out of pockets costs.

Prescription drug coverage and supplement plans can help assist with those copayments, deductibles, medication costs, and any coinsurances to help ease a bit of financial burden associated with not working anymore.

You can sign up to join Medicare by:

  • Going online to SS and apply
  • Calling Social Security at 1-800-772-1213
  • Applying in-person at your local Social Security office

Retiring in Vermont

With your retirement plans now moving forward, you’ll have a clearer picture of what to expect with retirement-related costs. Medicare coverage, Social Security benefits, rising healthcare costs, and choosing a location in which you love.

Are you ready for retirement in Vermont that are filled with lots of maple syrup, cheddar cheese, and plenty of Ben and Jerry’s ice cream?

Hold the Salt—Five Freshwater Havens for a Lakeside Retirement Overseas—

August 13, 2019  
Filed under Travel

Love the water but hate the salt? In a new report, the editors at International Living identify five good-value, fresh-water destinations where retirees can enjoy lakeside living—complete with great views, fishing, and boating—for a fraction of what a comparable lifestyle would cost in the States.




“I love the water, but living next to the ocean isn’t my ideal,” says Dan Prescher, senior editor with International Living. “I know a lot of expats and retirees who feel the same way. Salt and sand have a way of slowly corroding everything, and it’s a constant struggle when living on or near an ocean beach. But lakeside living is the best of both worlds. You get the water and all the fun and beauty that comes with it, but without the downsides.”


International Living has identified five lakeside havens around the world where good living doesn’t cost the moon.



Lake Chapala, Mexico

Lake Chapala is Mexico’s largest lake, and the surrounding area is also home to one of the largest concentrations of North American expats in the world. Located in west-central Mexico, about an hour south of Guadalajara, the Lake Chapala region sustains approximately 20,000 expats, most from the U.S. and Canada, and the vast majority are retired. That number roughly doubles during the cold Canadian winter months, when thousands more migrate to the area for about six months each year.

Two quaint towns, Chapala and Ajijic, support most of the expat population, with Ajijic holding the edge when it comes to numbers. Both communities are nestled along the lake’s shoreline and separated by only a few miles.

The enormous appeal of this area is easy to understand. In addition to the overall affordability, the area also boasts the second-best climate on the planet; daily temperatures are almost always 75 F to 78 F, under bright blue sky and sunshine. Rain, when it happens, is usually at night. The areas elevation, at about 5,000 feet above sea level, assists with the stability of the climate.

There are ample restaurants as well as modern theaters, garden clubs, Spanish classes, art exhibits, book clubs, dancing classes, chess clubs, and practically any kind of activity desired. Medical care is handled by local clinics and the cost is reasonable. For serious issues, and for serious shopping, Guadalajara is just an hour north.

“My husband, Walter, and I recently relocated to Ajijic to escape Chicago winters,” says Miriam Ditchek. “Since living here, I have found that retiring is not the end of the line, but the beginning of a new adventure.

“I have become both a teacher and a student. Between taking art classes, Spanish language classes, and teaching English, I am busier now than when I was working a nine-to-five job. The difference being that I love what I am doing. Painting has become my passion along with teaching English as a second language to Mexican adults who want to advance in their chosen careers.

“The Lake Chapala Society is primarily a meeting place for expats. There is an annual registration fee of $38. For seniors over 79, the fee is discounted $30. We attend lectures, discussion groups, movies, exercise classes, and take advantage of health screening. There are also art and chess classes for children. My husband enjoys the bridge group that meets twice per week.

“There are many restaurants that cater to all tastes and are inexpensive by U.S. standards. My favorites are Cocinart, La Sima del Copal and Tango. La Sima del Copal sits at the top of a mountain peak and offers the most beautiful view of the lake at sunset. Dinner for two, including a glass of wine and tip, will cost approximately $25. For those on a limited budget, there are less expensive restaurants that are also very good.”


Lake Arenal, Costa Rica

About three hours northwest of Costa Rica’s capital, San Jose is the 33-square-mile Lake Arenal.

Although this is Costa Rica’s showpiece lake, there isn’t much boat traffic and rarely any noisy Jet skis, but plenty of windsurfers and kite boarders. For those seeking a more leisurely pace, kayaking is popular too.

Year-round temperatures are moderate, although there is a healthy rainy season in Costa Rica from May to November which brings out an array of green in the trees and foliage.

Construction within 50 meters of the lakeshore is prohibited. (This is because Lake Arenal is a man-made lake created to generate hydroelectric power. Costa Rica generates close to 100% of its electricity from renewable resources.) There are no large resorts, only a few small marinas, and no big condo or hotel towers ruin the views. It’s mostly rural; a farming community as it has been for decades.

One drawback is the lack of major medical services, but there are clinics and doctors’ offices for basic needs. For specialist care, locals and expats travel two hours west to Liberia, the closest city, where there is also an international airport.

The main hub of activity on the lake is the small village of Nuevo Arenal; many expats also live a quick drive into town on the water on either side.

“The road from Nuevo Arenal to La Fortuna is one of the best two-lane roads in Costa Rica,” says Stephen Day. “Our house is located down this road. It’s only eight minutes from the center of town, up a steep, paved driveway, and it brings you to a vista that will take your breath away the first time you see it. From it, my wife, Christine, and I have a view of Lake Arenal, from the whirling wind turbines of Tronadora to the north, all the way south to the majestic Arenal Volcano. The lot is well worth the $60,000 we paid for it in December 2016.

“As a 71-year-old, retired from careers in education and real estate, I have always worked within a strict budget. It’s no different here. We have no expenses for heat or air conditioning, because the temperature is always between 65 F and 85 F. The electricity we use runs about $50 a month. I pay $75 a month for internet and another $50 a month for TV and cable. Our cellphones cost us $140 a month, because we do make quite a few international calls. The house is paid for, and so is the one car we share. My car insurance, for very good coverage, costs me about $75 a month. All told, I estimate that we spend another $1,200 a month for all our food, restaurants, propane for cooking, and gasoline.”



Lake Bacalar, Mexico

Known as the Lake of Seven Colors, Lake Bacalar, a 26-mile-long, mile-wide body of fresh water on Mexico’s Yucatán Peninsula, mimics the Caribbean Sea in its turquoise color and crystal clarity. It offers visitors an unusual, tranquil, wave-free experience in a freshwater lake.

In the early 1700s pirates attempted to take Bacalar from the Spanish in a bloody battle. The town’s fort, Fuerte de San Felipe, built of stone in the shape of a four-pointed star and ringed by a now-dry moat, was built shortly after the pirate attack. Now it houses a museum with plaques in both English and Spanish. A public beach club, Balneario Ejidal, provides walk-in access to the lake (for about 50 cents), along with a restaurant, palapa-covered picnic tables, a craft market, and a water slide.

The main attraction here is the lake’s natural beauty. But for medical care, shopping (including Costco), government services, and other conveniences, the city of Chetumal is only 40 minutes’ drive south. The border with Belize is not too far beyond that, making weekend trips possible. There’s even a water taxi that runs from Chetumal to Ambergis Caye in Belize.

And the area’s beautiful Caribbean beaches are also close by.

As in the rest of Mexico, a couple can live quite well on about $2,000 a month, including housing, medical care, and all other expenses. To live in a place with natural beauty found nowhere else and the laidback lifestyle, it’s a bargain. You can fill up a bag to bursting with fruits and veggies for less than $10. And there are other goodies on offer.

“When I visited Bacalar, we didn’t feel like cooking. So, we went to one of the many grill restaurants in town. Two pounds of grilled skirt steak, with tortillas, hot sauce, rice and beans, cost us about $8,” says ILs Roving Latin America Correspondent, Jason Holland.


Lake Bracciano, Italy

Mention Italy’s Lake District and most people will think of the northern glacial lakes—Lake Maggiore, Lake Garda, and of course Lake Como. While their glitzy reputation as a playground for the rich and famous draws lots of visitors, Lake Bracciano is a lesser-known, laidback alternative.

Lake Bracciano is just an hour from Rome but is a tranquil world away. The only motors allowed are those of the ferries that connect the three lakeside towns. All other boats, including the fishermen, have to paddle. This ensures not only a peaceful ambiance but a safer environment for kayakers and stand-up paddle boarders who don’t have to contend with jet skis or motor boats.

Three towns grace the shore of Lake Bracciano. On the south side of the lake are Bracciano and Anguillara Sabazia, while on the north side is teensy Trevignano Romano.

Bracciano with its imposing 15th-century castle sits above the lake and has a bustling feel. Anguillara Sabazia is a stunning sight as it sits out on a promontory. And Anguillara is big enough to provide all the daily services and amusements while retaining a small-town feel and appeal with a sense of community.

Lake Bracciano doesn’t just boast proximity to Rome. It’s also less than an hour from the Mediterranean Sea, and is at the gateway to Tuscia, the ancient Etruscan land where timeless places like Sutria, Vetralla, and Viterbo (and many more) offer endless exploration opportunities.

“You’ll have abundant nature, beautiful countryside, ancient archeological sites, the Mediterranean coast, intriguing towns, and city life all in easy reach,” says Valerie Schneider, IL Italy Correspondent. “It’s a wonder this central lakes district isn’t more popular, but its lack of crowds makes it all the more appealing.”

For less than a studio apartment costs in Rome, you can buy a townhouse with garden, garage, and roof terrace near Lake Bracciano. It has two bedrooms, a studio, and one bathroom set out on two floors, in a quiet country-like setting. Price: €195,000 ($221,884).


Lake District, Chile

With its wild beauty and seemingly endless, wide-open spaces, Chile’s Lake District seems like the last perfect place at the far end of the world. However, it offers one of the most First World lifestyles in Latin America.

The Lake District is one of Chile’s most popular vacation areas, with cool, freshwater lakes for summertime vacations and, in some parts, wintertime skiing, as well. In spite of the country’s reputation for seismic activity, the Lake District long had a smattering of mostly European expats. Now those from the U.S. and Canada are putting down roots in this region, too.

“When we tied the knot all those years ago, my husband, Jim, and I never dreamed that we would be celebrating our 28th anniversary under the stars of the Southern Hemisphere,” says Lori Dorchak


“But when the financial crisis of 2007-2008 destroyed our real estate brokerage, development, and appraisal firm, we felt that we were living in front of a computer screen, working harder and harder to make less and less. What’s more, all we had to show for it was chronic heartburn, a perpetual headache, and empty pockets.

“Disillusioned with the American Dream, we decided to close our business and retire to paradise. We were having a midlife crisis together. But our dream of paradise did not include palm trees and relaxing on the beach. We were only in our early 50s and felt we still had lots of living to do, besides building that homestead we’d always dreamed about and raising the children still left at home.”


The couple decided to settle in Puerto Octay, a town on the north shore of Llanquihue Lake in Los Lagos Region in the south of Chile. Lake Llanquihue is a vast, blue expanse with the snow-capped peaks of two volcanoes, Osorno and Calbuco, clearly visible on its far side. There are several villages scattered along the shores of Lake Llanquihue, all of them surrounded by forest.


“We chose here because of the spectacular scenery, year-round mild climate, and because it is just a bit off the beaten track.


“We came from South Carolina, which has a pretty low cost of living. In comparison, some things in Chile can be more expensive, like technology and imported items. On the other hand, many everyday expenses are significantly cheaper here, like rent, utilities, and locally grown food (in my opinion, these are the important things). Out in the country, we have found rents on modest family homes to be as low as $200 a month, while in the cities, a larger three-bedroom furnished apartment can run from $500 to $800.


“Our experience with the Chilean healthcare system has also been very positive. For minor illnesses like the flu, we just go to our local hospital. Before we signed up for the national insurance plan, which costs around $25 a month for our family, we were charged just $15 to see the doctor. Medicines usually cost us less than $5. If we want better quality or service, we can always go to the private hospital for a slightly higher co-pay. The quality of care here is comparable to the U.S., with more of a focus on prevention.


“The freedom we experience living in the countryside of southern Chile is marvellous.”


Three Steps to Act with Purpose in the Midst of Struggle

August 9, 2019  
Filed under Aging Parents, Health & Wellness

By Dr. Scott Symington

We all struggle. It doesn’t matter who you are, how much money you have, or how good you look to the outside world. Life is hard—even painful sometimes.

As a clinical psychologist in private practice, much of my work is helping people address internal struggles: anxiety, chronic worrying, depressed moods, and destructive patterns of behavior. Out of this clinical work, I’ve observed a powerful agent of change that is often overlooked and underutilized. That is, the pathway to freedom is accelerated when you learn how to act with meaning and purpose in the midst of your struggle. You can’t necessarily control the anxiety or unhealthy craving from showing up but you do have a choice in how to respond. You can tap into the human spirit and use the nervous energy or problematic feeling as a reminder and catalyst to express the best parts of who you are. Here’s an illustration:

Recently, a woman in her sixties came to see me to address a fear of flying. My client’s daughter had just given birth and lived on the opposite coast. The client was determined to lay eyes on her new granddaughter but the thought of the long flight was an anxious one.

From the beginning of treatment, this client’s personality shone brightly. She was a warm, vivacious woman who naturally encouraged others. It was her trademark. She was known as the bright light who lifted people’s spirits. You couldn’t help but smile and feel good in her presence. Unfortunately, it was this very part of herself—the part that was a blessing to others and personal source of joy—that the anxiety squelched. When she was caught up in a cycle of anxious worry, she found it difficult to be the person she wanted to be. The bright light faded as she clammed up and turned her attention and concern inward.

In preparation for the upcoming flight, we worked on leveraging and tying her gift of encouragement to the anxious energy. Instead of the anxiety clamping down on a beautiful part of her personality, we explored how she could use the anxious energy as a way to bolster this positive part of self.

As the day of the trip approached, she had a plan. Regardless of how she was feeling, she had a focus and a heartfelt mission. Instead of going away in her mind and investing in the worries, she was determined to use the anxious energy for positive action—to be an encourager.

She found plenty of opportunities. She thanked the ticket agent for her professionalism and helpfulness. On the escalator, she complimented a woman on her outfit. While going through security, she thanked a TSA agent for his patience and sense of humor. Winding her way through the airport toward the gate, she left a wake of warm feelings and lifted spirits—a disposition she carried throughout the trip. Instead of allowing the anxiety to stifle her personality, she used the historic struggle to express the best of who she was.

You can do the same. You can transform your struggle into an opportunity for purposeful action. To get started, try following these three steps:

1. Reflect on those times in your life when you expressed the best parts of who you are. As you recall these memories, ask yourself, What behaviors was I engaged in? In other words, start making a list of concrete actions you take when you’re living out your values and in a positive flow with life. Maybe it’s encouragement or engaging in acts of service or expressing gratitude. Whatever it is try to list 5 to 10 specific behaviors that reflect your best.

2. After you have your list, predict the challenge and make an action plan. Maybe it’s a predictable urge to drink at 5PM or an upcoming dentist appointment. Identify the upcoming challenge and be ready to act on one or more of the positive behaviors on your list. For my client above, on the day of travel she was prepared to be a super encourager. Find your own superpower.

3. Keep responding to your internal struggle with purposeful action. This is not a one-and-done situation. If you keep applying step 2 you will create a new response pattern that will transform your life and struggle. The very source of pain can become an automatic reminder and catalyst for positive action. This is very satisfying! You get to flip the struggle on its head and use it for good.

Whatever your struggle is, begin acting with purpose today. Don’t let your personal challenge constrict your life or steal your joy. Use the worries or overwhelming feelings as a reminder and springboard to express your best. Engage in a loving action or do something that reflects a bright part of your person. Try following the three steps outlined above for a couple of weeks and then let me know how it goes!

Strategies for Growing Edibles Later into the Season

August 8, 2019  
Filed under Home & Garden

Photo credit: Melinda Myers, LLC
Floating row covers trap heat around your plants, but allow air, light and water through so there is no need to uncover the plants during the day or for watering.


by Melinda Myers

Don’t let fall or potentially frosty temperatures stop you from enjoying garden-fresh produce. Extend the nutritional value and homegrown flavor into your fall and early winter meals with the help of short season crops and season extending strategies.

Lettuce, spinach, radishes, turnips, and beets are quick to mature from seed to harvest.  Plus, the cooler temperatures enhance their flavor. Simply count the number of frost-free days left in your growing season and compare it with the number of days from planting to harvest listed on the seed packet.

Protect these late plantings and other vegetables from chilly fall temperatures with cloches, coldframes, and floating row covers.  Many of these devices have long been used by gardeners to jump start the season in spring and extend it much later into fall.  These devices trap heat around the plants, protecting them from frosty temperatures.

Convert gallon milk jugs into garden cloches for individual plants.  Remove the bottom of the jug and slide it over the plant.  Use the cap to capture heat or remove to ventilate your homemade cloche on sunny days.  Or purchase reusable cloches with built in ventilation.  Originally made of glass many of the newer cloches are plastic, making them more affordable, easy to stack and portable.

You can make your own coldframes.  Many gardeners convert discarded windows, a bit of lumber and nails into a homemade shelter for their plants.  The window size usually determines the size of your coldframe.  Just make sure you can reach all the plants inside.  For best results your frame should be higher in the back then the front so water and melting snow can drain off.  And if possible, facing south for better warming.  The internet and garden books are filled with plans.

I prefer the construction-free, all-purpose garden fabrics.  Simply drape these floating row covers (season-extending fabrics) over your crops.  Anchor the edges with rocks, boards, or wire wickets.  The fabric traps heat around your plants, but allows air, light and water through so there is no need to uncover the plants during the day or for watering.

Increase the ease of season-extending fabrics with low and tall frost pop-up covers and plant protection frost covers.  The frames are fitted with all-purpose garden fabric to create protective tents.  You can protect new plantings and extend your harvest by protecting plants down to 24 degrees Fahrenheit.

So, with a little preparation you can keep enjoying fresh-from-the-garden flavor long past the traditional end to your harvest season.