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RETIREMENT INVESTING
FROM A CREATIVE
PERSPECTIVE

 

Retirement Investing

IF you are one person who believes that  Thoughtful Planning is NOT just about money  - that  retirement investing can be about “accounting” for happiness  today and into the future, read on. Unrepentant living is allowed, and so is a deep-rooted enchantment with life-  participation, collaboration,   respect for equal status - regardless of age or physical ability. (There's an interesting survey about this- scroll down.)

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THE PRACTICAL ART OF FORWARD PLANNING

6 Points - Start the Conversation  with Quality of life at Center Stage

And one consideration pro sustainable excellence involves the decision  of  whether to sell your home and rent or opt for phased-in assisted living. (See Cost Analysis)

1. Profit will you earn if you decide to sell.

2.Cost comparison-  costs higher, lower or the  just about the same. (Be sure to account for security deposits, association fees and other costs that may accelerate as you age.)

3.Location. Location. Location. Does a pocket neighborhood or one close to grocery stores, doctors, friends and family members make sense to you?

4. Independent Living- the “control your own destiny factor:... .

5. Funds and Budgets- staying or moving decisions add up to conclusions about how to fund your future.

6. The “right” plan for transferring your home to your heirs.

 

 The “Stay Put” Solution for Your Heirs

There are any number of choices when it comes to transferring title to your home to your heirs.  But not all are tax-free. Here is one, but be warned-  if you want it to come together comfortably,  plan ahead.

If you plan to live in a forever home  (age in place), and your estate is below the estate-tax exemption consider this strategy- STAY PUT!  Upon your death, your home's tax basis will be stepped up to fair market value, says  SmartMoney.com

“Thus you and your heirs will escape capital gains tax on your home's appreciation. And, because the value of your estate is below the estate tax exemption, your heirs will owe no federal estate tax. They are free to move into the house, or sell it and keep the cash tax-free. If they do move into the house, their tax basis for calculating the gain or loss on subsequent sales will be the home's fair market value at the time of your death.”

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How to Seek Real Benefits

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 Retirement Investing

This apple orchard really exists! And it (or another such intriguing possibility) could be part of our retirement investing plan.This particular opportunity happens to be part of a multi-generational, eco-friendly community where a retirement savings plan includes the delectable notion of sustainable innovation.  Imagine this: No chemicals are used here. This is an organic orchard. The juice from the apples is the kind of treat that makes you want to live right in the orchard.


People can choose to live among caring neighbors, sharing their inspiration and enthusiasm in a sustainable community. 

Think about the savings when homes are powered by unleashing the renewable energy inherent in the land, the water, the wind and the sun, and a thoughtfully-planned neighborhood. Think about high-performance green-built homes designed with natural, non-toxic materials to be safe, healthy, and energy efficient, built to the highest green building standards.

Retirement Investing
 (survey form is just below)

This Form cannot be submitted until the missing fields (labelled below in red) have been filled in
Post 50 Income Generator Survey & Conversations
Please note that all fields followed by an asterisk must be filled in.
1.Do you expect to remain engaged in projects that interest you?	Yes No Maybe
2. Do you lean toward a creative/ un-retirement?	Yes No Maybe
3. Does having an "interesting" income stream attract you?	Yes No Maybe
4. In terms of earning money, are you open to exploring something entirely new?	Yes No Maybe
5. Do you anticipate a positive change in Post-65 work and lifestyle choices?	Yes No Maybe
6.Do you prefer to live comfortably/independently in a home of your choice?	Yes No Maybe
7. What do your choices mean in terms of budget and long term finances?	Yes No Maybe
NOTES
First Name*
E-Mail Address*
Please enter the word that you see below.

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RESOURCES

Co-Housing

The "Senior Spirit" program in the Chicago area where approximately 1600 low-income adults, largely seniors, live in twenty-two subsidized housing residences owned or managed by Lifelink.

"Vie Montante" (Ascending Life), which started in France after World War II, has spread around the world and now claims some three hundred thousand participants. The movement supports the formation, within parishes and congregations, of small groups of seniors who meet regularly for prayer, fellowship, and study. Ascending Life, just now starting up in the United States, seeks to foster spirituality, sociality, and service among its participants.

Sunward Co-housing near Ann Arbor, MI.... A place "where lives are simplified, the earth is respected, diversity b welcomed, children play together in safety, and living in community with neighbors comes naturally."

Winslow Co-housing on Bainbridge Island near Seattle, WA ... Where residents aim to "a minimal impact on the earth and create a place in which all residents are equally valued as part of the community."

Ecovillage at Ithaca, NY Here, the goal is "to explore and model innovative approaches to ecological and social sustainability."

Earthaven Ecovillage near Asheville, NC.... Where residents are "dedicated to caring for people and the Earth by learning, living, and demonstrating a holistic, sustainable."

RESEARCH AND EDUCATION

The Pew Research Center Social and Demographic Trends article 'The Return of the Multi-Generational Family Household', March 18, 2010

Omega Institute for Holistic Studies www.omega-inst.org

Naropa Institute www.naropa.edu

Check out the link that follows...it will take you to a conversation-starter on some often unspoken elements of

Down-to-Earth Retirement Investing for Post 50 People

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