As we come to the close of the year, I recommend to all my students and clients to get copies of their credit reports so that you can hit the ground running in January with their credit repair plan.

   The mailing addresses for the three major credit bureaus are:

   In this short video I share with you why just performing credit repair is not enough to achieve high credit scores.

Enjoy

   Retirement communities have seen a real shift toward entertainment and grand designs in the last few years. Where retirement communities in the past may have simply been a place to live, the latest communities are including all sorts of amenities to attract residents. The range of options in the retirement community world has also mushroomed, with homes available in at almost every price point. Future residents have their choice of simple condominiums, or multimillion dollar homes. The lifestyle options of each retirement community also vary greatly.

   Seniors with medical issues that need a little more help can easily prosper in an assisted living community. Such communities offer medical assistance when needed, but do not treat residents like they are in a hospital. Rooms are usually spacious and include all the amenities of home, such as a full kitchen with a table, as well as a living room area. This is a great option for those seniors that want to remain independent, but have some serious medical needs. Onsite staff are usually around 24/7 to assist residents, but leave those that are healthy to themselves.

   Some retirement communities offer communal apartment settings, where residents live in groups of two or more together. This can be a great way to meet new people for seniors, as well as provide the occasional help that they might need. Residents are usually thoroughly interviewed and matched with care before going into a residence. Seniors that remain independent, but that want a little company or help, will find that this is a great arrangement.

   Single family home units are also available in retirement communities, although they can be more expensive. Seniors can spend as much as they want here, as some retirement communities offer themselves as luxury resorts, with property values in the millions. Typical high end retirement communities feature full fitness facilities, championship golfing, tennis courts, swimming pools, and more.

   Retirement communities are located throughout the United States, but choosing the right one is a matter of taste and financial viability. Florida is a very popular choice, both for its climate and lack of income tax. The most affordable states as far as taxes, however, are Delaware and Kentucky. Despite its lack of income tax, Florida ranks around the middle when it comes to the amount of taxes that it charges on seniors.