David Bolton

Recent Posts by this Author

David Bolton

What do you do if in your 50s, you’re unequipped to retire comfortably in the next decade? Or you are 30, and would love to retire early on your 40th birthday?

How to Retire in 10 Years with No Savings

Retire in 10 years...

David Bolton

Understanding your healthcare options and planning ahead can save you the stress of finding quality healthcare when you retire.

How Does Healthcare Work in Retirement?

Healthcare in retirement...

David Bolton

When the owner of a company retires, how does the company deal with the transition into a new phase and cope with the changes of a new owner?

What Happens to a Corporation After Its Owner Retires?

Everyone retires at some point...

David Bolton

How does your savings or other money you receive in your account affect your social security benefits as a retiree in the USA?

Does Money in The Bank Affect Social Security?

Many seniors do not understand...

David Bolton

Do you wonder what you need to do to make enough money to retire at the age of 40, and how much you need to retire that early?

How Much Money Do I Need to Retire at 40?

Do you wonder?

David Bolton

What are the possible best jobs most befitting for a senior? Here, we list 40 of the best jobs for seniors seeking employment, how to find them and the benefits.

40 Best Jobs for Seniors

The possibilities are endless...

David Bolton

Delayed doesn’t have to mean defeat when it comes to saving for retirement. What are the best ways to start saving now, and which secret strategies can I learn?

How to Start Saving For Retirement at 50

Is there any hope?

David Bolton

There are different types of continuing care retirement communities, but all provide increasing care without the stress of moving. Learn the basics in advance.

What is a Continuing Care Retirement Community?

There are different types...

David Bolton

Seniors can cover assisted living costs through Social Security benefits but these amounts aren’t enough and should be enhanced by Optional State Supplements.

Can Social Security Pay for Assisted Living?

It can cover a portion...

David Bolton

These are the requirements you must know before seeking admission for your aged ones in assisted living facilities or senior care services.

How to Qualify for Assisted Living

Before you seek admission...

David Bolton

There's no one size fits all answer when it comes to deciding whether to take your pension as an annuity or a lump sum.

Should I Take My Pension as an Annuity or a Lump Sum?

It's not one size fits all...

David Bolton

Paying off your home mortgage before you retire is always a sound financial decision and it's the right thing to do.

Should You Pay Off Your Mortgage Before Retirement?

It's the right thing to do...

David Bolton

Are you planning to spend your golden years sleeping most of the time? Well, we strongly believe that it might not be a good idea and that's why you need to look for the best retirement city for physically active residents.

12 Best Retirement Cities for Physically Active Residents

Keep active in retirement...

David Bolton

Mobile home parks are increasingly becoming popular with those older than 55. They're affordable, friendly, energy-efficient, and offer the prospects of downsizing.

Mobile Home Parks for Seniors: A Complete Guide

Mobile homes are becoming more popular...

David Bolton

As you get older, it is increasingly important to eat healthy meals, but it also gets more difficult. A meal delivery service can help you.

Best Meal Delivery For Seniors

Eat healthy meals...

David Bolton

A stairlift is, without a doubt, one of the best tools for maintaining your independence after a serious injury or in the face of aging.

Best Stair Lifts - A Complete Guide (With Our Top 5)

Maintain your independence...

David Bolton

Some cell phone plans are better for retired people than others. The best plan for one person is not the best plan for everyone; each plan has its strengths.

9 Best Cellphone Plans For Seniors

Pick the right one for you...

David Bolton

As a senior, you perhaps already know that you can't have both the traditional Medicare and Medicare Advantage plans. The one you take will ultimately determine how you get your medical care and how much it costs, so you have to choose wisely.

Traditional Medicare vs. Medicare Advantage Plans

Choose wisely...

David Bolton

As a senior, finding the best car insurance for you is all about finding excellent customer service at the right price. So if you're aged 50 or older, the time has come for you to enjoy the best car insurance rates.

6 Best Car Insurance for Seniors

Enjoy the best rates if you're 50+

David Bolton

Knowing how much life insurance you need is one of the most important first steps when looking to buy the right policy that best fits your needs.

How Much Life Insurance Do You Need?

Here's the golden rule...

David Bolton

Whether you refer to it as assisted living insurance or long-term insurance, the truth is that this policy can be quite expensive but very necessary for your golden years.

How much is Assisted Living Insurance?

It can be expensive...

David Bolton

Are the costs of assisted living tax deductible? They are if you are both considered chronically ill and are being treated systematically by a professional. If you do not meet these two criteria, you cannot deduct your assisted living costs.

Is Assisted Living Tax Deductible?

It could help...

David Bolton

Not everyone gets a good night's rest on a standard straight bed. That's why you should seriously consider getting one of the best adjustable beds currently available in the market.

Best Adjustable Beds: A Complete Guide (With Our Top 5)

The best options are here...

David Bolton

Choosing to retire in a retirement community, especially if it offers several activities that will make you stay active as well as on-site healthcare, maybe all you require to live longer and have a more fulfilling life.

Do People in Retirement Communities Live Longer?

Have a more fulfilling life...

David Bolton

Recent national figures paint an alarming picture of the life expectancy of retired nursing home residents during the global pandemic.

Average Life Expectancy of a Nursing Home Resident

It's changed recently...

David Bolton

If you are saving for retirement, you should know how a Roth 401K is different from a traditional 401K in detail. Otherwise, you could lose money.

Traditional vs Roth 401k: Which Is Better?

One of the best...

David Bolton

Is home care cheaper than a nursing home? This is a question that many people get to ask when looking at the best place to retire. But before answering this question, it's worth noting that various factors go into making this decision.

Is Home Care Cheaper than a Nursing Home?

It's worth noting a few factors...

David Bolton

You've perhaps come across the term "levels of care" when looking at the types of services provided by assisted living communities. But what exactly does it mean? Well, let's find out.

What Does Level 2 Assisted Living Mean?

Let's find out...

David Bolton

With lifespans lengthening, financial experts say you should have saved a considerable amount of money for your retirement. But if this isn't possible, you can still retire without money.

How to Retire With No Money

You'll need to get creative...

David Bolton

Adult daycare can offer a perfect alternative to caregivers by providing a stimulating social environment for the seniors outside of the home while giving caregivers a much-needed break.

Adult Day Care: A Complete Guide

A perfect alternative to caregivers...

David Bolton

In the past, being a millionaire meant you were rich. Today, a single million no longer means you are wealthy. Is a million still enough to retire?

How Long Will a Million Dollars Last In Retirement?

Is a million still enough to retire?

David Bolton

Typical life insurance is always a complicated beast that comes in various shapes and forms. If you're looking for life insurance, it's of great importance to understand which type of life insurance is ideal for your particular situation.

Types of Life Insurance (And What's Right For You)

Typical life insurance is always a complicated beast...

David Bolton

Even if you do not have a huge amount of money, you should save for retirement. With the right strategy, an ordinary person can retire comfortably.

How to Save for Retirement

Save for retirement...

David Bolton

For many Americans, one of the best strategies is retiring abroad. But which are the best countries to retire to? Well, let's find out.

5 Best Countries To Retire To

Several things to consider...

David Bolton

A retirement community focuses on giving residents a strong sense of belonging and commits to helping seniors age well in a home life environment where they are considered a vital part of the community.

What It's Like Living In A Retirement Community

An environment like home...

David Bolton

For seniors, a walk-in tub is one of the best and safest ways to bathe. In addition to being the safest way to bathe, a walk-in tub can provide water massaging joint relief.

Best Walk-In Tubs: A Complete Guide (With Our Top 5)

The safest way to bathe...

David Bolton

Perhaps the most significant difference between a group home and an assisted living facility is the layout of the environment.

Group Home and Assisted Living Compared

There are significant differences...

David Bolton

Many seniors often delay moving into assisted living facilities because they have the misconception that assisted living facilities will take all their money the minute they walk through the door.

Does Assisted Living Take All Your Money?

It's a misconception...

David Bolton

While it may be tempting to look for simpler options such as selling your property when a family member has difficulty with mobility, installing a home elevator can be one of the best moves.

Top 5 Home Elevators: A Complete Guide

One of the best moves...

David Bolton

Many seniors are left wondering if Medicare or Medicaid will cover some or all of the expenses that are associated with living in an assisted living facility.

Is Assisted Living Covered by Medicare or Medicaid?

Assisted living is often a necessity...

David Bolton

Many benefits accompany your 55th birthday. These benefits are available in almost every facet of life from health, finances, transportation, education, travel, and everyday purchases.

What Benefits Do You Get at Age 55?

Many benefits accompany your 55th birthday...

David Bolton

Even though these laws are rarely enforced, many states have filial responsibility laws that might have adult children on the hook for their parents' nursing home bills if the aging parents cannot pay.

Are Family Members Responsible for Nursing Home Bills?

Many states have filial responsibility laws...

David Bolton

Retirement is an involved process that often evolves. The most important thing is to have enough finances to sufficiently fund your retirement.

What Do You Need to Do to Retire?

Retirement is an involved process...

David Bolton

According to a 2019 report by Vanguard on how Americans save for retirement, the average 401k for a 65-year-old is $192,877.

401k: The Average Balance at 65 Years Old

Have you saved enough for your retirement?

David Bolton

For many seniors, the prospect of moving out of the home they've lived in for most of their lives and moving into a senior living community instead may feel like surrendering to a fight that they aren't ready to surrender.

Why Are Senior Apartments Cheaper?

Minimal living expenses...

David Bolton

If you're aged 62 and above and have an annual income that's below the federal poverty level, then you may be considered a low-income senior citizen.

What's Considered Low Income For A Senior Citizen?

Age 62 and above...

David Bolton

With millions of retirees trying to find affordable senior housing, the waitlists are staggering, and being on the waitlist for two to five years is considered normal.

How Long Is The Wait For Senior Housing?

It could be a long wait...

David Bolton

At a time when more and more Americans are looking for the perfect places to live after retirement, it's of great importance to look at the real costs of senior living.

How Much is Senior Living per Month?

The real costs of senior living...

David Bolton

Affordable senior housing may not be one of the glitziest properties but they are important in serving low-income seniors throughout the United States.

How Does Affordable Senior Housing Work?

Affordable Senior Housing

David Bolton

Most senior living communities allow their residents to live full and independent lives in their own abode. But how does one qualify for senior living?

How Do You Qualify for Senior Living?

How to qualify...

David Bolton

People often feel confused about what to say in their resignation letter for retirement, and knowing how big of an impact it can make, their confusion is justified.

What Should a Resignation Letter Say for Retirement?

What it should say...

David Bolton

Living by the rules and regulations will not only make your life in the communities a lot easier but may also influence the type of services and amenities that are offered to the residents.

Rules for 55+ Communities - All You Should Know

There are rules...

David Bolton

Are you looking to retire in Sin City? Well, there's a wide array of excellent senior housing options that makes Las Vegas worth checking out.

Best Senior Housing Options in Las Vegas

Retiring in Sin City...

David Bolton

Do 55+ communities pay school taxes? Yes, you're responsible for paying property taxes if you own a home in a 55+ community. School taxes are included in property taxes, so it's difficult to avoid them.

Do 55+ Communities Pay School Taxes?

Yes, you're responsible...

David Bolton

Looking for the best 55+ communities in the United States? Our experts have researched for you and present the best places to retire in each state.

The Best 55+ Retirement Communities (2021)

Only the best...

David Bolton

You've worked for so many years, saved wisely, and now feel that you're fully ready to retire. Do you have to give notice to retire?

Do I Have To Give Notice To Retire?

Never leave ‘em hanging...

David Bolton

Is Social Security enough to retire on? Unfortunately, not. If you're looking to maintain something similar to the lifestyle you had when working, you have to understand that Social Security alone will not be enough.

Is Social Security Enough to Retire On?

A lifeline for millions of retired Americans...

David Bolton

Final expense insurance is a great way of protecting your family from the burden that comes with funeral and burial expenses. Let's figure out if this policy might be right for you.

Is Final Expense Insurance A Good Deal?

Protect your family...

David Bolton

There are several senior housing options that it's easy to get confused and overwhelmed by the wide variety of care types and styles of senior living communities.

Guide To Senior Housing - All The Options

Make the best senior living housing choices...

David Bolton

Senior discounts are one of a few great incentives that you can get when you become older. You've done your part in life and now you deserve some discounts.

2021 Senior Discounts - Where To Save

You deserve some discounts...

David Bolton

There are several ways to increase your savings and retire quickly before you attain the age of 60.

How To Retire Quickly

Retiring early can seem like an impossible long shot...

David Bolton

Ordinarily, the best age to retire is about 65 years old. 60-65 is a pretty universally acceptable retirement age.

What Is The Best Age To Retire?

Retirement can't come fast enough...

David Bolton

Retirement is the light at the end of the tunnel for a lot of people. You may be starting to feel "old", but you are about to have a sense of freedom you've never had before.

When Should You Tell Your Employer You Are Retiring?

Retirement is the light at the end of the tunnel

David Bolton

While many people always wait for a crisis to occur before making the move, it’s often advisable to plan ahead of time and move before something bad happens.

When Should You Move To A Retirement Community?

It's a very complicated decision...

David Bolton

When you’re looking for a retirement home, you are looking for more than just a new home.

How To Evaluate a Retirement Community

More than just a new home

David Bolton

Your retirement will need a steady base to start. You might have begun personal savings that earn the best interest.

How Do You Retire?

What lifestyle would you like in retirement?

David Bolton

The best place to start finding low-income senior housing is by contacting your local public housing agency or HUD office.

How To Find Low Income Senior Housing

Finding them can be challenging...

David Bolton

This article will help you differentiate between resignation and retirement so you can find the best option for you.

Is It Better To Resign Or Retire?

There are several options in front of you...

David Bolton

Finding the best city to retire to should be about finding the most perfect place where you are free to be you, and meets your financial requirements.

10 Best Cities To Retire To

Now it's time to have some fun...

David Bolton

People are considered to be senior citizens when they are 60 or 65 years of age. This is because senior citizenship is closely associated with retirement and this is when most begin to retire (between ages 60 - 70).

What Is The Senior Citizen Age?

Age Is Just But A Number...

David Bolton

It is important to have a conversation with them and involve them in the decision. Your parent may be getting older, but they are still just as deserving of love, respect, and compassion. 

How Can I Convince My Parent To Move To A Retirement Home?

Your parent may be getting older...

David Bolton

One of the most common questions are concerns for knowing when the right time to move into a retirement home will be.

How Do I Know When It’s Time to Move to a Retirement Home?

For some, getting older comes with a sense of dread.

David Bolton

There are many ways in which your family members can help take some of those things off your plate. Asking for help doesn’t mean admitting weakness.

How Can Family Help With Moving To A Retirement Home?

That’s what family is for!

David Bolton

It is a normal human behavior to worry about parents, but sometimes this well-intended emotion goes a little too far and backfires.

What If I Don’t Belong In A Retirement Home?

Are you able to do everyday tasks without help?

David Bolton

Relax! Take a deep breath! What you’re feeling is perfectly and completely normal and expected. You’re dealing with a huge, and possibly one of your largest, life changes.

What To Expect In a Retirement Community

Getting settled in your new home...

David Bolton

When a resident of a retirement home is unhappy, changes need to be made in order to give them a better life.

My Parents Are Unhappy In Their Retirement Community

Do we move them, or work with the situation?

David Bolton

During a period of change, love and support is necessary for a smooth transition. Having a strong community of people around you is so beneficial to your health.

Preparing Parents to Move to a Retirement Home

Support and preparation is key...

David Bolton

While most people would prefer to have a single room while living in a retirement community, that may not always be possible.

How to Share a Retirement Living Space

It can be a fulfilling experience...

David Bolton

They can prove to be centers for community, safety, peace, along with many other wonderful qualities...

What Are The Benefits of Moving To A Retirement Home?

There are more benefits than you'd think...

David Bolton

It can often be tempting to feel the need to pack every single item that you own into a box and bring everything...

What Should You Bring to a Retirement Community?

Don't forget the family photos...

David Bolton

Whenever you talk to someone about retirement, one of the first subjects of discussion will be location change. How do you decide where you want live in retirement?

How to Decide Where to Live in Retirement

Do you prefer beach or mountains?

David Bolton

This is one of the most crucial questions to answer when planning for life after career.

Where Will You Spend Your Retirement?

The choice can be tough...

David Bolton

When you’re looking for retirement homes, it is often confusing and frustrating trying to figure out which community is best.

What Types of Retirement Communities are There?

Which community is best for you?

For Exclusive Retirement Content

Thank you! You're signed up for our free newsletter!

Oops! Something went wrong while submitting the form

Copyright 2021 Retire Fearless | Contact Us | All CategoriesPrivacy Policy