Still Clickin

The vast majority of retirees spend their ‘golden’ years not only in the same town, but often in the same house. My wife and I, who spent practically all of our adult lives within seagull distance of the Atlantic, now find ourselves watching seagulls from the Pacific. We’ve not only changed houses; we’ve changed oceans.

Our first choice for our retiree home was a house on the East Coast that we thought would act as a magnetic and encourage visits from our three children. Unfortunately, the magnet had the wrong polarity. All three of our children landed in Seattle. Rather than live with phones and planes, we chose to pick up and engage the experience of West Coast living. After nearly five years of building a new nest and settling in, we still exchange glances at odd moments that say, “We did the right thing.”

What have we learned in the process?

1. The most important question every retiree must answer is not “Where will you be?” Instead, the real question is “How will you spend your time?” Activities of your choosing will define how live the rest of your life. Any destination you consider should be particularly suited to supporting how you want to spend your time. If alpine skiing tops your list of things you want to do, it is unlikely that Florida would be a good choice for you.
2. Location is the second most important choice for a retiree since it can enable or delimit so many other opportunities you will have. Make certain you are both comfortable with your reasons for changing your location. You both don’t have to have the same reasons, but you should understand what each other is expecting from the move.
3. Communication is key to this decision process. Some of you may be thirsting to try something new or to pursue a passion that has long festered. Others may want to get to, or return to, remote family or friends. You may find that some reasons may surprise you. But the only way to discover them is to talk a lot about it.
4. Once your general objectives for activities are clear, use them to build a balanced set of criteria for your new destination. Even if you already know the general area of your new location, you also have to decide on what are you looking for in any new home. Evaluating destinations seems to work best as an iterative process. Expect a few cycles of reevaluation before you start to feel comfortable with the ideas of both your choices. Obviously, there is no perfect home or place, but careful planning and discussion can increase your odds for success.
5. If possible, visit the new area a few times and talk to as many locals as you can. You want to find a place where people are quite willing to share their positive views. Each slice of geography and neighborhood has its own particular quirks. Use the time you have to learn as much as you can before you put the house on the market.
6. Once you are both comfortable with your decision, you must face the ugly realities of listing, selling, packing, and moving out. Home Buying and Selling can vary by market location, and the financial factors involved may influence some of your other choices. The only good thing about this process is that ultimately it has an end. The other side benefit is that you do get rid of a lot of ‘stuff’ that you have been meaning to discard for a long, long time.
7. The best advise we received for a major move was to rent for awhile before you buy any real estate. We thought we would avoid this step, but did not. In hindsight, we learned an awful lot during our rental period and made different purchase decisions as a consequence. For example, one of the first challenges in any new location is to [[find doctors, services]], and other resources to replace the familiar ones left behind. However, that search process can reveal a lot of subtleties about your new location that are impossible to detect otherwise.
8. Finding new friends can be the toughest challenge for seniors in any new setting. Since the kids have long flown the nest, the common meeting places of schools and youth activities no longer act as the common infrastructure for meeting and sharing with new friends. But friends are a critical component to any new location. Give yourself time, but fight any natural tendency you may have toward shyness. Prior to your move, research any local chapters of organizations or groups that you have belonged to in the past.
9. After you have learned the area and know what kind of home you are looking for, start your search and take your time. This may be your last nest, so make sure it has the features that are most important to you. Once you find it, you will both ‘know’, and the final stage of your relocation, ‘moving in’, can begin.

Some additional insights on relocation by seniors can be found in the Ohio State Senior Series.

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Most senior citizens simply stay put right where they are when they retire. They cherish the friendships they have established, the history they have lived, and their familiar grocers, doctors, druggists, etc. However, staying in the same town doesn’t necessarily mean staying in the same house. Downsizing is one trend that many active seniors embrace as a way of simplifying their lives and prolonging their independence.

The ties of family and grandchildren may pull others to unfamiliar locations where their children have become entrenched. Selecting new doctors, finding new dentists, and coping with this change can be a stiff challenge for any senior.

Others, especially those who have had to face frequent moves during their working lives, like the idea of a new place to retire. They are enticed by the latest “Best Places to Retire” article and the challenge of a new adventure.

On any “Now that I’ve Retired List”, location is placed first because it influences so many other choices. For example, telephones, taxes, insurance, legal, and caregiving all have rules that vary by state.

What’s a person to do??

Whichever you choose, re-evaluating your location is a healthy exercise . . . even if it is the old homestead. Your location can determine -

• to which hospital a call to 911 will deliver you,
• the range of community support services that are available to you,
• the types of activities that are readily available to you as well as,
• the amount of snow that will have to be shoveled to get you out of the house.

Some people make this choice quickly. Others spend time and consider the wide range of choices available, i.e.

1. Staying Put Keeping the same, familiar roof, where the pencil marks of the children’s heights on the door jam still mark the progress of their growth. Here, the support of old friends, the history with known doctors, and the connections developed over the years provide a personalized support network that is impossible to duplicate elsewhere.
2. Moving locally - Changing to another nest and neighborhood within the same community might offer a better fit for the needs of your newly evolving senior lifestyle while maintaining your lifelong network of friends and community around you.
3. Downsizing - Simplifying your life and reducing the demands required for the upkeep and care of your nest, a move to a smaller structure can prolong your ability to stay there as the clock keeps ticking.
4. Relocating farther away - Making a move to another community, state, ocean, or country is for the brave of heart. You can’t wait too long to make this move since the effort involved can be taxing. Evaluating destinations, together with its weather patterns, safety concerns, theater offerings, and recreation, can become a major project in and of itself. Once you decide on a place, those with wisdom advise renting for a year while you discover the innuendoes of the locale and its neighborhoods. During that time, you can address the challenges of a new place, e.g. to Find doctors, services as well as Finding new friends.
5. Retirement communities - For those that prefer the amenities of a planned community, developments designed for the 55+ crowd offer an alternative that many people find very attractive. It’s like moving into a neighborhood with an established network. Many people make this choice because the want to follow friends who are already there.
6. Active/Assisted living facilities - If one member of a couple has an emerging health issue, these facilities with built-in medical services can provide a support structure that tiers the living accommodations to the health of the individuals,where care is provided with housing
7. Living abroad - This move can scratch a lifelong itch of an adventurous soul. However, if adaptability is your strong suit, there are many locations in the world where you can stretch your dollar.

Of course, once you make your decision, then the financial issues, Renting versus Home Buying and Selling, must be considered. These are quickly followed by the practical issues of Moving and Home Maintenance.

For further reading, try the AARP Article on Housing Choices.

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If you’re reading this, you already know about the Internet. The use of the Internet by the senior community is continually expanding. And it doesn’t have to cost you anything. At local libraries, computers are siting there waiting for your curiosity and fingertips.

What do seniors do with the Internet when their fingertips start moving? According to a report by the Pew Research Center, they are involved with -

*Email - This still drives their primary usage of the Internet. Keeping in touch without the hassle of time zones and time charges, email remains the primary reason why people keep going back to the Internet. It’s especially delightful when the message is from your grandchildren. Free email accounts can be established at Yahoo and other services.

*Finding Information - Once they finish with their email, people typically switch to Google or Yahoo to find out about something. They might be planning a trip, researching a problem, or comparing different brands of toasters. Not surprisingly, Most Internet searches on health topics are performed by seniors.

*Online Shopping - Once they have completed their research, seniors are not afraid to actually make a purchase. As noted in the Pew Report, nearly 50% of the online seniors actually are making purchases. One area of particular interest is travel, both planning and booking tickets. They also are not afraid to both sell and buy items on eBay.

In addition to these top three activities, seniors also explore other facets.

*Reading News - If they’ve moved away, seniors are very likely to scan the pages of the old hometown newspaper online. They are also avid readers of specialized news topics on politics, entertainment, and other targeted sectors. Even the headlines of major newspapers, e.g. New York Times, are available online.

*Sharing Photos - Whether directly through email or via a service like Flickr, seniors love to see the latest images of their grandchildren, grandnieces, and grandnephews.

*Skype - If you are geographically removed from loved ones, skype is a treasure for everyone regardless of age. Simply speaking, skype not only allows you to talk to those you love, but to see and interact with them from many miles away. The visuals of loved ones make them feel so much closer, and it can ease the worries and loneliness that distance can engender.

*Social Sharing - Seniors have not flocked to Facebook or Twitter. They might view a My Space or You Tube link contained in an email, but they are not going to enroll. At this point in their lives, seniors are far less intrigued by the social and gaming aspects of the Internet than are the younger members of our society. Instant messaging holds as little appeal as instant gratification. They prefer to respect privacy and to savor the anticipation of a thoughtful reply. They find important items more interesting than urgent ones.

*Blogs - Because seniors have the time, there are a surprising number of blogs by, for, and about seniors. They are quite often frank, intelligent, and very thought-provoking. They can not only make for fascinating reading, but they can often make you chuckle, cry, and pray. One huge favorite blog that publishes links to many others is Ronni Bennett’s Time Goes By A visit to Ronni’s site is always worthwhile.

The Internet presents all of these facilities and more. It has become an indispensable part of our lives. You should encourage any of your friends that are not involved to take a free course at the library. They may feel uncomfortable at first, but they will thank you profusely later.

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Older citizens have seen a lot of new technology both come and go. Television, digital computers, digital cameras, digital anything, fax machines, scanners, the Internet, Betamax, VCR’s, DVD’s, cell phones, blackberries, iPods, and tweets. The list could go on and on.

Although it has changed, from party-line to private, rotary dial to touch tone, analog to digital, and wired to wireless, the old ‘home’ telephone has been one of the few constant technologies that has been with us throughout our lives. Telephones could always be relied upon. In the trade, they called it five-nines, i.e. 99.999%, reliable. There are no dead zones to break the connection of a wired ‘home’ phone, and it often still works whenever a house loses its electric power.

But mankind isn’t satisfied to leave things alone. So -

• wireless phones were introduced to the home. It was nice to be free of the cord, but now service is lost whenever you lose power.
• phone connections changed. New area codes, satellite and Internet connections, and fixed long distance charges have become the new standards.
• cell phones are replacing the ‘home’ phone. That social anchor called the ‘home’ phone is being abandoned for the ‘personal’ cell phone in many homes.
• payments for phone usage have never been more varied.

Although most seasoned citizens are keeping their reliable ‘home’ phone, change keeps intruding.

• In addition to the local telephone company, the cable company and others may offer the service.
• With an Internet connection, you can use skype or Vonage to route your calls directly over the Internet.
• Typically, long distance calling is bundled together with local calling for a flat monthly fee. How long you talk is no longer an issue.
• Now, you own your own phones, and you must buy and set them up yourself. The features and choices can become quite confusing.
• Internet and television services can also be bundled together with your phone service.

Most people don’t make a change until they must. If you must, however, what is a reasonable approach?

1. Service Provider -

• Because of the Internet, your choices have expanded. Often, you are not limited to the local franchise, e.g. Verizon, you can also consider other providers like Vonage, Earthlink, or Comcast.
• The simplest way to find out what choices your have for your home is to go to White Fence, a web site that searches the Internet for all of your options. All you have to do is enter your home address.
• Another search service is Connect My Phone, but is not as comprehensive.

2. Telephone Sets -Typically, you now have to buy your own phone. There are a wide variety available - wired, wireless, multi-line, answering machines, etc. To help with this decision, go to any of the price comparison sites, e.g.

• BizRate,
• NexTag, or
• Deal Time.

These sites can give you a sense of the variety available and their costs. However, if you want local support, don’t forget the local Radio Shack or Sears.

If you know that you’ll have to make a change at some time in the near future, don’t wait to do your research. The last thing you want to do is be without a phone!

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