Posts tagged as:

retirement

Should You Landscape Your Garden?

by Owen Jones on March 15, 2010

If you have more than a small town garden, then landscaping your garden will doubtless be one of your considerations. If you have just bought the land, or you think that it is time for a garden make-over, there are ways of going about it. The easiest way of going about planning a garden, is to first take a good look at the landscape of your garden. This can be difficult if the garden is established and in full flower.

Therefore, it can be better to wait until autumn or winter, so that you can see the true lie of the land. You could make a plan of the garden on graph paper and take a load of photos too. Identify the photos on the back of them and relate them to the grid on your graph paper. There may be bumps and hollows, potholes, rocky areas and even a marsh or a pond to cope with.

These are almost certainly natural features and if you want to change them, you will have to tackle the fundamental reason. The feature is only the symptom. Like freckles or spots! If you look at the state of affairs in this way, it makes planning easier.

For example, a rocky patch probably means that the Earth is throwing stones up gradually and if you want to clean it up, you will be picking up stones for the rest of your life. Similarly, if your wet area is the result of natural drainage from higher ground, you will have to drain it and put in permanent drainage, because it is not going to stop raining for you.

So, you can either work with nature or you will be working against it for the rest of your life. Either that or paying someone else to do it for you. Another point is that the wildlife that uses your area does so because of how it is. If you change the landscape, your current range of wildlife might move on or just die. A lot depends on how much land we are talking about, but in general, I would say that the larger the plot, the more you should leave it alone.

On the other hand, you can put in features more easily than remove them. For instance, if you have an area with poor soil, you could improve it with compost or put a pond there. Shade and existing fences or sheds should also be noted on your graph paper, although being man-made, these are easier to do away with or modify.

Next you should make up your mind what kind of garden you want, within the constraints of the existing landscape, how much work you are willing to put into it and how much money you want to pay out on it. Enhancing the natural features of the land is the easiest way of landscaping your garden.

If you have a marshy area, why not put a low wall around it and turn it into a pond? If you have a rocky patch, why not collect up the stones and create a rockery? If you have a few trees, try growing wisteria, honeysuckle or vines through them.

If you are in the shade, buy flowers that would rather the shade and vice-versa. It is a struggle to go against nature and unless you have a good reason to do it, it is not really worthwhile. Then build a patio or deck and sit outside and enjoy all the landscaping that you have saved yourself in your garden.

Owen Jones, the writer of this article, writes on many subjects, but is currently involved with outdoor heat lamp. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

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Growing Herbals

by Owen Jones on March 8, 2010

Every professional chef and every household cook recognizes the importance of fresh herbs to their culinary creations. No diner would quarrel over this either. However, whether you buy your herbs fresh or dried, there are problems. When you buy fresh, you usually have to buy more than you require and they are comparatively expensive, whereas, if you buy them dried, they could be old and dried herbs lose their strength over time.

Why then is it that most domestic cooks use fresh or dried herbs from the supermarket? Ease, most likely. We lead busy lives and it is easier to get a few boxes of dried herbs at the supermarket along with your groceries than it is to cultivate your own.

Not that it is difficult to grow your own herbs and even spices, but you have to purchase the seeds, plant them and remember to water them. You can minimize the problem of trying to remember to water them very easily, by growing your herbs in a window box or in trays on your patio or deck, so that you notice them every time you take a break on your patio. You will also remember to bring them in if frost looks likely.

If you have children, growing herbs and spices in window boxes or trays can be a good introduction to gardening for them. Herbs take very little looking after really, just needing watering every day. They are pretty tough and fertilizer is not necessary as most herbs have a fairly short life. Maybe only a month or two in some instances. Others last a lot longer.

First come to a decision how many varieties you want to cultivate. How much room do you have for instance? The best way to start is look in your cupboard and see which herbs you use most frequently. Are any of them seeds? You could have a try at sowing these. Look them up in a book or on the Internet.

Sometimes it is better to soak the seeds first before planting them, others do not need this treatment. Second, which herbs have you read about that you would like to use but never seem to have in the house? Try planting those too.

If all that does not sound like fun, then you can buy small herb plants in the garden nurseries. Most of them stock the most common herbs in Spring. Whichever way you go, read up on how to grow the herbs you have selected. I promise you, it will not be a long read, as they really do take care of themselves except for the watering. if you buy seeds rather than seedlings, all the details you need will be on the seed packet and such packets are very cheap to buy.

The benefits of having your own herb garden are diverse, but you will be teaching gardening to your kids or grandkids, you will have fresh herbs for cooking and you will have beautiful aromas wafting around your patio or deck.

Owen Jones, the writer of this article, writes on many topics, but is currently involved with outdoor heat lamp. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

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The Use Of Patio Heaters In Business

by Owen Jones on February 26, 2010

If you own a restaurant, pub or any business using outdoor amenities in a temperate climate zone, then you will know that custom is likely to drop off when the weather gets cooler. You know that you would not sit outside shivering yourself, so you do not count on anyone else to do it. The only answer is to change the outdoor ambient temperature to an suitable level.

I have seen this done to stunning effect in Prague in October when there were heavy snow storms. People wanted to sit outside and get pleasure from the snow storm as long as they were pretty warm. A person’s primary heat comes from the body and is retained with sufficient clothing, but it is nice to have a patio heater near-by just to add a glow to your face and hands.

If you have a business that only opens when it is warm enough, then you have an expensive business and these days expensive businesses do not survive long. You need to wring every last cent out of your business real estate and if that means putting patio heaters in, then that is what you should to do.

Patio heaters come in various guises, but they are not that dear to buy. Sometimes you can hire them too. Most of these outdoor heaters run on canisters of propane or butane gas, but there are mains gas varieties too. There are also electric ones, but they tend to be costly to run, unless you can generate your own electricity.

I think that the best two types are the box type where the gas cylinder goes inside the apparatus and the heat is directed at foot to knee height and the street lantern style, where the heat comes down from about seven or eight feet in height. The gas container also fits inside these models lowering their centre of gravity and making them more difficult to unintentionally knock over.

These heaters are very safe although patrons should be advised to exercise caution if they have young children with them. A standard heater will keep up to two tables and eight people warm enough to enjoy themselves even while it is snowing.

The hire of a few of these patio heaters or even their purchase will soon be off-set by your augmented custom, especially if your competitors are not using them. My wife and I will never forget our time in Prague, when it was snowing, drinking coffee and eating cake outside, watching people go by while we were as warm as toast due to the restaurateur’s prudence in providing patio heaters.

Owen Jones, the author of this piece, writes on many subjects, but is currently involved with the propane outdoor heater. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

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Retire To Mexico…One Million Americans Already Have

by Gary Pierce on February 23, 2010

Looking for a cheap place to retire? Your Social Security check will go a long way toward retirement in Mexico.If you have not considered Mexico as a place to retire you should.

That’s right you can live quite well retiring in Mexico on $1,000 to $2,000 per month. If you speak a little Spanish it will be cheaper…you can live anywhere you choose. More if you need to be surrounded by lots of fellow gringo retirees. Your choice.

A plus when retiring to Mexico is health care insurance …it is cheap, $270 a year, and adequate. Why so cheap?…few lawsuits. Even the Canadians who have free health care use this system…no ling waits for procedures they need. This insurance is comprehensive and provides good care.

And ladies this monthly figure of $2,000 a month or less includes a maid and or gardener. Retire to Mexico and you may have done your last ironing. Is your cheap places to retire list growing?

Do not believe that you will not have familiar shopping in Mexico. Currently there are 98 Walmarts and 31 Costco warehouses, located in Mexico. Big retailers know a good market when they see one. this is good for them and good for you.

Retiring to Mexico means choosing the climate you enjoy. You know about the beach resorts like Cancun and Cozumel…what many are not aware of is the spring like temperatures in Central Mexico. It is far enough south to be warm and has the elevation in the interior to be moderate. It is up to you to decide.

You are three times more likely to be a victim of violent crime in the US vs Mexico. To be sure there is drug related violence on the border…but these are not towns you would retire to. The Mexicans place emphasis on a strong family life and welcome visitors and retirees warmly.

Mexico should be on your radar for cheap places to retire. You need the latest most up to date information to see if it is a fit for you. That information is available on a monthly basis and is where you should start when retiring to Mexico. Interested?

Get the latest Mexican retirement information. It is packed with the stories of people retired in Mexico today. Gary Pierce freely shares his experiences on frugal retirement living. Do not quit on retirement until you visit this site.

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Patio And Deck Furniture

by Owen Jones on February 21, 2010

If you have a lovely patio or deck or a beautiful garden, then you have to have good patio furniture in order to enjoy it. There is no finer end to a busy day than sitting outside on the patio with a drink and a newspaper or a book. I like to sit in the garden after the sun has waned a little, but before the mosquitoes come out for a few hours reading a book.

There are many different styles of patio furniture to choose from that range from classic to modern. There is also a full range of choice in that there are chairs, loungers, swinging sofas, tables, outdoor fridges, barbecue sets and patio heaters amongst other things. A full set need not cost more than $1,000, but you can start with a table and two chairs and build up your patio furniture set step by step.

The many choices you have when looking for patio furniture are the style and the material it is made from. Most patio furniture stays outside all day and all night in any weather, so it important to get furniture that is well-made and weather-proof. All weather furniture is usually made from plastic-coated steel, wicker, massive wood or moulded plastic.

Whatever you choose, make sure that the guarantee makes your choice worth the money. For example, I mean, if the furniture costs $200, but has a 12 month guarantee, then you should be prepared to pay $4 a week for your investment and everything else is a bonus.

Another tip is to buy your patio furniture from a dependable manufacturer or a trustworthy retailer, unless it is massive timber furniture in which case you will want a trustworthy local craftsman. It depends where you live of course, but any patio furniture is going to have a hard time of it and it will remain outside sometimes no matter what your intentions are now.

Standard plastic patio furniture is pretty good and will stand up to all but the coldest of weather, which can make it become brittle. Prolonged exposure to high temperatures can have the same effect on cheap plastic chairs. White is the usual colour, but there are others. Make sure that you buy something that will take your weight, especially if you are a bit on the heavy side. I have had legs of plastic chairs go on me, but luckily I was on grass both times. On concrete or near the edge of raised decking could be very serious.

Once you have selected your patio table, chairs and possibly loungers, there are one or two other things that I think are essential to allowing the full enjoyment of your patio deck. For example, if you want to use your outdoor furniture in the evening you may find it chilly or you may be troubled by insects.

This need not be a problem. You can get a patio heater at quite a reasonable price. A gas patio heater will keep up to eight people lovely and warm. To complete your patio furniture set, you might want a mosquito trap of some sort.

Owen Jones, the author of this article, writes on many subjects, but is currently involved with commercial patio heaters. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

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The Workshop Heater

by Owen Jones on February 21, 2010

If you have converted your garage into a workshop or home office, you are sure to need heating of one form or another. This is because most garages are not built to the same standards of insulation as the main domestic building. However, that need not present a problem. You may even have the contrary problem during the summer, as garages often do not have windows, or at least large ones, either.

Ventilation could be another matter that you will have to cope with, but we will come to that later. If you have a plentiful supply of dead wood, you could set up a pot-bellied stove, but you will have to vent the flue outside. This is very easily done, since most garage walls are only one brick or block thick. However, if they do not burn correctly, there can be a smell, which you may find disagreeable.

Or you could use a paraffin/kerosene heater. They are cheap to buy and are readily portable. These heaters do not necessarily have to have a flue. They are easy to turn on as many of them have an electric starter. Some also have a thermostat to control the temperature. They can be dangerous if there are children around as they can be tipped over. However, for most people, the problem would be the smell given off.

You could use an electric hot air heater. They are quite cheap to buy, are easily portable and do not require a flue, but they can create a very dry atmosphere and are costly to run.

One of the most popular choices these days is a gas heater. There are many different types of gas heater, but most run on butane or propane. Most of the models are fairly reasonably priced. The main benefit of a gas heater is that they give consistent heat, are fairly cheap to run and are portable. Or at least many of them are.

You could have one built in, but it is scarcely worth it, unless you are using gas that needs to be vented. Propane gas heaters also come with or without thermostatic controls. A propane heater could also double as a patio or deck heater on chilly evenings.

These gas heaters come in two forms: vented and unvented. The unvented models are the portable ones. They use the air from the room and the vented models have a flue that vents straight out of the garage. The slight disadvantage of the unvented model is that you have to keep the room ventilated at all times.

Therefore, if you choose a portable, unvented propane heater, you must leave a window partly open in order to allow the exchange of air and these heaters can be used as patio or deck heaters during the spring and autumn/fall. However, the vented gas heaters are fixed and have a flue attached, so they cannot be taken outside. Furthermore, if you decide on a vented model, you would be better off getting a professional in to install it for you by the book.

Owen Jones, the writer of this piece, writes on many topics, but is currently involved with the propane outdoor heater. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

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Frugal Living In A Park Model Mobile Home

by Gary Pierce on February 20, 2010

Park model mobile homes offer a great way to retire frugally and live well. Retiring in any form beats continuing to work.

If your retirement portfolio has taken its lumps in the last two years…you have plenty of company…me for one. This has caused many to rethink retirement…reevaluating plans of any kind is a good thing.

Arizona, where I retired is a major center of park model retirement compounds. You can retire to Arizona and this lifestyle and retire very cheaply. See… reevaluating plans is sometimes good.

Mobile is not a very descriptive term. Although they can be moved again, usually the trip from the factory to the park model compound is the one and only time it is moving.

Although park model mobile homes offer frugal living we are not referring to sacrifice. In the Phoenix area, some have over 2000 units and offer every amenity you could wish for. They resemble a stationary cruise ship. You can do as much or as little as you choose…it is up to you. If you can not find something to do…it is your fault.

A good percentage of folks that now live in park model mobile homes started out in a RV. When you RV a few years you find that you tend to go to the same places. It is a fairly easy transition to a park model from an RV. The dimensions of the smallest park model 400 square feet are similar to a 40 foot motorhome.

A new park model mobile home will cost from $20,000 to $50,000 plus the land. A used unit can be purchased for $10,000 to $20,000 including furniture and the land. When you examine these prices you understand why many can afford to live where ever home is in the summer and Arizona or Florida in the winter.

Living in a park model mobile home community is a fun and frugal way to retire. It puts owning two homes in the reach of many folks. So rethinking retirement plans is a good thing if you did know about this lifestyle. To learn more about park model retirement living, see below.

To obtain more information about park model mobile homes. Gary Pierce freely shares his experiences in frugal retirement living on his website. Do not quit on retirement until you go to the site.

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Guide To Living Cheap…These Lifestyles Are Cheap and Fun

by Gary P. Pierce on February 15, 2010

A good guide to living cheap will contain retirement lifestyles that are fun as well. For the last fifteen years, the writer and wife have enjoyed lifestyles you may not have considered for retirement. Take a look and see if they do not seem like a lot of fun. You can too with the information on how we did it.

1) Living on a sailboat in the Caribbean. We lived the life Jimmy Buffett sings about for eight wonderful years. Up and down the island chain from Venezuela to the Virgin Islands. Cheap…we averaged spending $1,000 a month when in the islands. Remember there is no charge for dropping your anchor in a beautiful bay. Ashore in the hotels they were paying $500 and up per night…we had a better view.

2) Living on an RV was cheap and also loads of fun. In the summers (that is hurricane season) we left the boat, came back to the states and lived in our RV. Later we full timed on the RV for 2 years straight. Living in an RV is a great way to scout potential retirement locations for when you grow up…ha. For long term stays at beautiful parks, rent is about s450 per month…that is cheap folks. You can do this too.

3) Consider living overseas…for the eight years we were boating we visited a lot of foreign countries. We enjoyed them all and found them to be much cheaper than the US. When I suggest moving overseas lots of people roll their eyes and say “no way”. Fine…give me a choice between working and retiring overseas…I’m gone. For instance, one million Americans live in Mexico. Why? For $1500 to $2000 a month you can live very well…have a maid…health insurance $23 a month. It is even cheaper in other countries. Think about it.

4) Downsizing…if you think there is no way you could go from a big house to a condo or RV…I beg to differ. We moved from a 1800 square foot home to a 35 sailboat with curved walls. You quickly find that you need very little to live and live well. Do not let your “stuff” prevent you from retiring.

Yes you can still retire. We have done so for 15 years…having fun with no regrets. You can too…armed with the right information. You need the guide to living cheap. Interested?

Want to learn more from the guide to living cheap? For more information on fun and cheap ways to retire visit cheap retirement living. Do not quit on retirement until you get all the facts.

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Choose The Best Retirement State Carefully

by Gary Pierce on February 15, 2010

The best retirement state is not one size fits all. There are many factors that go in to the decision of where to retire.

Five states do not have sales tax, seven states do not tax income. One state has neither tax…that is Alaska. If warm weather is a deciding factor you may not care about Alaskan taxes…or lack thereof.

Because Alaska transports most of its consumer goods by truck from the lower forty eight. The cost of living is high in Alaska. Looking solely at the tax situation there would not be wise.

If you do have a high retirement income you should look at Texas or Florida…all else being equal. Lots of wealthy retirees in those two states.

If Social Security is your sole source of income you may be interested in finding out which states tax SS income. There are thirty four states that do not tax Social Security benefits.

There are other factors to consider when choosing the best place to retire, such as:

1) Is the health care sufficient for your particular needs?

2) Proximity to family…could be too far, could be too close

3) Does it have the arts and culture you enjoy?

4) Outlets for your hobbies?

5) Personal safety

Choosing the best retirement state involves many factors. There are two important approaches to your decision making:

1) First do not rush making this decision. You have probably worked all your life…take some time in finding your best place to retire.

2) Try before you buy…How does a area feel when you are not on vacation? Some places may be great to visit on vacation, but feel totally different when you live there. Rent a place for a few months before you look to buy.

Choosing the best retirement state should be a fun, wonderful experience and everyone is different. Get all the information, taxes and otherwise, you can on each state you are considering for retirement. Here’s how…

For further help on the best retirement states. Gary Pierce freely gives help on how to retire on less at best retirement states. It contains with free help on retirement lifestyles you may not have thought about.

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Retire To Mexico…Five Reasons It Makes Sense

by Gary Pierce on February 14, 2010

If you retire to Mexico, there are certain things you can count on happening. Some may surprise you.

1) Americans are liked by the Mexican people…why would they not welcome you? You are spending your retirement dollars in their country…that means jobs and business for Mexico.

2) It is safe for retirees in Mexico.. .Despite the drug violence that is concentrated on the border; you are 3 times more likely to be a victim of crime in the US vs. Mexico. Do not let the evening news sway your opinion. In the evenings young women feel safe in walking to the town square… you will feel safe as well.

3) The Mexicans place much emphasis on family and a simple life. You feel that you have gone back in time when you first arrive in Mexico. Mexico is like the US was 30 to 50 years ago. Mexicans get together for family meals and holidays and take the time to enjoy life at a slower pace. There is nothing wrong with that approach to life. The hectic lifestyle in the US has not yet reached Mexico.

4) Not speaking Spanish will not be a problem. If you have the right attitude, you will be able to get by or find someone willing to translate for you. As anywhere a smile will go a long way in Mexico. Having said that, it is to your advantage to try to learn Spanish. You are a guest in Mexico… show some respect and try to learn Spanish… they will appreciate your effort.

5) Fears about not having access to good health care are unfounded. America has the best health care in the world that is a fact…no question about it. It is also the most expensive health care in the world. In Mexico, after one year you will be able to apply for the IMSS insurance, which costs $270 a year…not a month a year…for full coverage, including prescriptions. You will find that many of the doctors have trained in the US and the care you receive is first rate.

Retire to Mexico, where $1500 to $2000 a month will have you living very well. A million Americans have done so and there is room for you to enjoy Mexico as well.

Retiring to Mexico will give you a slower more relaxed pace of life. You will be able to afford a standard of living not possible in the US for the same money. Before you go you should obtain the latest, up-to-date information about Mexico. Many Americans have lived in Mexico for years…take advantage of their experiences. Here is how to obtain that information.

Get your owners guide to Mexico if you want to Retire to Mexico. For more information on Mexico and other enjoyable, cheap ways to retire visit Frugal Retirement Living . You will be glad you did.

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