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Archive for the 'Retirement' Category

Pacific Northwest State Sno-Parks

Published by
admin
at February 14, 2006 in Recreation, Retirement and General. 0 Comments


Snow Park

If you are in hot pursuit of a powder filled, winter snow adventure, then a Pacific Northwest sno-park is just the place to begin. Whether it is a family outing, or a solo, thrill seeking excursion, you are bound to find the terrain and conditions to cure your winter sweet tooth at a sno-park.

So what are sno-parks?

State sno-parks are state maintained parking areas which have been set aside for recreation purposes. They are open only during the winter season - usually beginning in November and running until April. Most sno-parks will be marked with signs stating they are WINTER RECREATION AREAS. You can find sno-parks in most mountain passes, and also at lots of ski and snow play areas.

Most Pacific Northwest state sno-parks are open for multiple use activities. Which means that sledding, cross country skiing, inner tubing, snowshoeing, dog sledding, snow play, and sometimes even snowmobiling are allowed. Roughly half of the state sno-parks in the Pacific Northwest are reserved for un-motorized sporting. And even the parks allowing snowmobiles, or any other motorized vehicles, will still have plenty of open, under exploited areas to explore.

Rules about snowmobiles and snowmobile sno-parks are different than non-motorized parks, so be sure to check out the different regulations.

Permits are necessary to park and use the sno-parks. There is a fine for parking in a sno-park area without a permit, so be sure you grab one. The permits pay to help keep the areas clean, well groomed, and maintained, and also help keep up signs, patrol the parks, and to upgrade education and maps.

You can usually get permits for one day, a few days, or for the entire season. You can get permits at U.S. Forest Service ranger stations, some DMV offices, various resort permit agents, outdoor recreation retailers, a few other retail outlets, or online at Washington or Oregon State Park’s websites.

http://www.oregonstateparks.org
http://egov.oregon.gov/OPRD/
http://www.parks.wa.gov/

Some permit agents can charge a service fee for permits they sell.

Idaho’s state park program is called the Idaho Park-n-Ski permit. And even California sno-park passes are honored in some Pacific Northwest states. Check your state’s rules to be sure.

One final point to keep in mind…

Chains or tires with traction devices might be required (by local authorities) to get to sno-parks during the winter months. Driving a vehicle without them, during these times, will be a traffic infraction. So come prepared.

And now that you are armed with basic sno-park information, it is time to hit your favorite Pacific Northwest powder for some fun and festivities.

Health and Retirement

Published by
admin
at January 17, 2006 in Retirement, Contractors and Homeowners. 0 Comments

Health Retirement

In planning for your retirement, buying disability, health or long-term care insurance is important. The insurance company would usually want to know a lot about you. You will be classified based on your habits, medical records and family history.

You have to have an understanding of your own health. The biggest factor in determining the insurance cost is your health.

Here is some advice from insiders to get the best health ranking possible at lowest possible rates:

1. Tell the truth

Hiding some facts on your health will not help you. First, the insuring company will eventually find out because they do have your records. They will presume that the problem is serious, since you did not mention it. Worse, withholding info the company regards as important could lead to the cancellation of your policy.

Give the insurance company your complete health history. But do it under your own terms. For example, don’t just say that you have high blood pressure. Inform them that you have been diagnosed with high blood pressure several years ago and have kept control of it.

Give them complete information and reduce the uncertainty, then eventually you would get a good deal.

Be careful on how you say things, a hesitant answer would seem that you are hiding something. Be as clear as possible with your replies.

Ask what the ranking is based on. There would generally be criteria in determining the health ranking and it varies from one company to another. Determine your ranking in a specific company and why. This helps you get a better picture and hopefully and decrease your premium. Canvass for the best rates possible but know that the rate is just one consideration.

2. Your doctor can help.

Inform your physician. Insurance companies would want to talk with your physician and look at your records. If not that, they would at least look at your records at the Medical Insurance Bureau.

Your best move is to inform your physician that you’re applying for insurance. A forewarning helps in ensuring that the insurance company gets noticed and gives you in return a favorable rating.

Ensure that the company gets a complete record, especially if you have moved from one doctor to another. The insurance company wants all of your health records to get a complete idea of your state of health.

Inquire discretely. Too much inquiry might raise a red flag on you. Try to get an agent to do the shopping for you. Choose your insurance broker carefully. Just like other professionals, they’re not created equal.



Financial Planning for Retirement: For Worry-Free Retirement

Published by
Ken
at January 16, 2006 in Retirement, Finance, Business and Homeowners. 0 Comments

Retirement

Planning can be a tedious activity especially if you are planning for retirement. Many people realize how advantageous financial planning for retirement can be while others find it mysterious.

In fact, most experts say that for people who are only making enough money to make due payments in each month, then it means that they should start contemplating on how they can still make money even if they are already retired.

Surveys show that almost 75% of the American population is earning enough money to pay their monthly bills. This means that they do not have any extra money to put in a bank or in any financial institution that could provide them enough profit after their retirement.

What’s more Social Security is not enough guaranteed income for retired people to live on. Actually, it is still a big question if one’s Social Security will still exist when the retirement day comes.

Hence, it is extremely important to generate some methods that will provide an individual a reasonable amount of money in the future. This should be done regardless of how much an individual earns, the important thing is to start saving today.

1. Visualize and calculate

It is important for a person to visualize his or her own situation after retirement. Then, you can calculate how much money is needed to live on after retirement. Furthermore, people need earnings that compensate 75% of the present amount that he or she is expected to take home.

2. It is important to seek the help of a financial planner or any person competent in financial planning.

By asking for advice from the experts, you will be able to gain more knowledge know how to proceed for you situation. These people are proficient and knowledgeable in all kinds of financial planning and they can provide the most feasible and workable approach for your individual needs.

3. Get rid of loans, debts, and other financial obligations in as little time as possible.

By simply paying off all debts, loans, and other financial obligations in a shorter period of time, you can realize a substantial amount to invest for that retirement. A good financial planner will know exactly how to direct you so you can meet your retirement goals.