Baby Boomer Going Like Sixty

Life is truly a rat race, we spend a whole lot of time striving to do more than making the proverbial ends meet’. It’s just the way things work, and since people equally strive to lead long and fulfilling lives they’ve had to deal with it. It’s no secret that as you near your golden years, working doesn’t quite ‘work’. In fact, at that point, you’ve paid your dues and it’s time to lay back and watch the rewards flow in. That’s all in theory though; if you didn’t save or invest, that pension won’t do much.  Speaking of savings and investments, the truth of the matter is that one will serve you more, and here’s why.

With savings, your money is idle

Now, do not get it wrong, savings are great and a huge necessity. If you don’t have a reserve for a rainy day life will get quite uncomfortable. Even more, you will have nothing to draw your investments from. Here’s where it gets interesting, the thing with savings is that your money simply sits there doing nothing. On the other hand, if you try your hand at investments, you’ll actually make more money, Sure, you don’t always hit the jackpot, but if you get a good financial advisor, you could do quite well.

You could ultimately devalue your money

Picture this, the economy crashes and you have a ton of bills just sitting in your bank account. All that money will be devalued and that’s a downer because of all the effort you put into saving it. As a retiree, you should be looking for other ways to pull money in and the truth is that a bunch of money sitting stagnant in your account is not going to do it. 

There are so many ways these days to put your money to use and the best part is that you do not even have to leave your home. For instance, Bitcoin is all the rage now and even exists outside the controls of any central bank. That’s good news because your money cannot be devalued. Once you do your research, take a look at this page for reliable hosting services.

You can actually get rich off your investments

As mentioned earlier, savings are great and necessary, they are the bedrock of a secure future. Savings are equally quite safe and that’s not necessarily a bad thing. But the chances are quite slim if you are looking to make it big. 

Sure, not everyone is looking to hit the jackpot by the time they reach their golden years. But, it won’t hurt to actually get rich and lead a comfortable life. You can trigger some really high returns if you play your cards right. The thing you need to realize is that, with investments, you can earn big and equally lose big. 

Investments can be liquefied and converted to cash 

Whether it’s in the form of stocks or a parcel of land, investments are quite fluid. You can choose to watch them appreciate over time or cash in when you need the money. It may not be as easy to do with real estate, but with stocks and bonds, you can access them any time you want. So, if the reason you want to save is that the money is easily accessible, then think again. 

Even better is the fact that you are not at the risk of spending more than you earn. Since the investments will be making more money on top of your money. So, if you pull some out to enjoy yourself or to settle some sort of pressing need, you are sure that there is a lot more where it’s coming from.

They are great in the long run

Anyone who knows their onion knows that when it comes to savings and investments, one isn’t better than the other. Nevertheless, it’s great to invest if you are thinking about the future. As you near your retirement years, the need to ensure that you are comfortable increases. So, if the aim is to secure some money for the future and keep it coming in, investments are the way to go.

Conclusion

Take this as sort of a disclaimer, savings and investments are both great. While some people will benefit greatly from savings, others do better with investments. Not everyone has a Midas touch, also not everyone has the luxury to put money into an investment due to pressing needs at hand. Nevertheless, in those golden years, investments will keep you going because the income doesn’t stop flowing in. That’s why investments are a great way to go when the years are packed on.

Remember the days when you could fall asleep anytime anywhere on anything?

One thing that almost everyone seems to struggle with, in the modern-day, is getting enough sleep. Recommendations range from anywhere in the 6-9 hours range of what you should be getting each night for a healthy body and mind. However, it can be guaranteed that most people probably land around the 5-7 hour mark fairly easily. For many people, this is simply not enough sleep to allow them to function in a healthy manner throughout the day. As many people seem to forget about the basics of good sleep health, the following are some good tips to keep in mind for better sleep. 

CBD oil

CBD oil really exploded onto the scene over the last few years, with many users claiming it is a practical miracle liquid. While it wouldn’t be right to get into those claims, it has been known to help with sleep for many users. In the limited studies, those who use CBD oil have claimed to get better sleep than without using it. Make sure to do your research before buying anything though. Make sure you are purchasing good quality CBD oil before spending your money. And yes there are other ways to use other such products by buying accessories such as Bubblers online, but they won’t be discussed in further detail here due to their sensitive nature.

Turn off electronics

Moving on, one of the easiest easy to help sleep at night is by limiting your use of blue-light emitting electronics up to an hour before bed. Blue light is given off by electronic screens such as phones, laptops/desktops, or tablets. This light stimulates areas in the brain that prevent you from being able to switch off at night. To limit this effect don’t look at screens up to an hour before bed thus limiting your blue-light exposure. Bored at night? Read a book instead.

Schedule it in

Studies have shown that going to bed and getting up at the same time each day is a great way to help ensure you’re getting the length of sleep that you need to function each day. By also putting your body into a routine, you are also conditioning it to fall asleep and waking up at the same time each day. This helps your body to fall asleep more easily when it comes to heading to bed each night.

Cut out caffeine

It seems obvious, but did you know some experts recommend cutting caffeine out nearly 7 hours before bed? Probably not. Caffeine comes in many drinks to it is advisable to start purchasing caffeine-free if you are still desperate for that late evening cup of coffee before bed. By all means, have a cup when you wake up to get you through the morning if that’s what helps. But come mid-afternoon, slow it down and start cutting it out full stop.

Unfortunately, sleep isn’t an exact science. One thing that can be certain though is that by and large, people aren’t getting enough of it. Some can get by with less and some are desperate for more. But by following these tips you can make sure that what you are getting is better quality and will be better for your health in the long run.