Blogs of Friendship Village

What Will You Do with the Rest of Your Life?

Wed, 29 Apr 2026 17:57:10 GMT

There comes a moment—sometimes quiet, sometimes unexpected—when you begin to ask yourself a powerful question:

What will I do with the rest of my life?

For many, this question surfaces around retirement. After decades of structure, responsibility, and routine, you’re suddenly handed something both liberating and daunting: time. Your time.

And how you choose to spend it matters more than ever.

One of the biggest decisions people face in this stage of life is where—and how—they want to live. For generations, the default answer has been simple: stay at home, age in place, and hold onto familiarity for as long as possible.

But is that always the best choice?

The Comfort—and Challenge—of Aging at Home

There’s no denying the emotional pull of home. It holds memories, milestones, and a sense of identity. Aging in place can feel like maintaining independence and control.

However, over time, what once felt comfortable can become limiting.

Homes often aren’t designed for aging bodies. Stairs become obstacles. Maintenance becomes exhausting. Social circles may shrink. What starts as independence can quietly turn into isolation.

There’s also the hidden weight of responsibility—home repairs, yard work, transportation, and managing healthcare needs—all of which can become increasingly stressful.

A Different Vision: Retirement Living

Retirement communities have evolved far beyond outdated stereotypes. Today, they offer something many people don’t realize they’re missing— freedom with support.

Imagine waking up without a list of chores waiting for you.

No home maintenance. No worrying about repairs. No shoveling snow or mowing the lawn.

Instead, your time opens up to possibility.

5 Signs You’re Ready for Community Living (And Might Love It!)

Tue, 27 Jan 2026 20:00:57 GMT

5 Signs You’re Ready for Community Living (And Might Love It!)

Have you ever caught yourself thinking, “There has to be an easier way”? If so, you’re not alone. Many people start exploring independent or community living not because they have to—but because they want more freedom, connection, and joy in their day-to-day life.

Here are five signs you might be ready to make the move:

1. Home Maintenance Is No Longer Your Thing

Is living at home really “independent” if you’re constantly managing lawn care, snow removal, repairs, and unexpected expenses? Tracking down reliable help, dealing with plumbing leaks, or worrying about a roof replacement can be exhausting (and expensive).

In a maintenance-free community, one call takes care of it all—so you can spend your time doing what you actually enjoy, not managing contractors.

2. Cooking for One (or Two) Has Lost Its Spark

Many people find themselves tired of planning meals and settling for quick, not-so-nutritious options. And let’s be honest—cooking and cleaning every day can feel like a chore.

Community living takes that pressure off. With restaurants, bistros, or pubs right in the building, you can enjoy healthy, delicious meals—and leave the dishes to someone else.

3. You’re Ready to Expand Your Social Circle

Especially during long Midwest winters, loneliness can sneak in. Community living makes it easier to connect with like-minded people, make new friends, and enjoy everyday companionship.

From casual conversations to shared activities (and maybe even an extra ticket to a local event), a built-in social circle can bring fresh energy and new experiences into your life.

4. You Want to Learn, Try, and Explore More

Is there something you’ve always wanted to do but never had time for? Learn a new skill? Pick up a hobby? Get creative? Life enrichment programs in community living settings offer opportunities that keep your mind, body, and spirit engaged—without the pressure of planning everything yourself.

5. You’re Wondering, “What’s My Purpose Now?”

After retirement, it’s common to feel a little stuck—especially when work routines and family responsibilities change. Community living can help re-ignite a sense of purpose through volunteer opportunities, group involvement, and meaningful connections. Sometimes, purpose comes from simply being part of something again.

Thinking About Independent Living? You’re on the Right Track

If you’re in the early stages of exploring independent living or retirement communities, take your time. These are big decisions, and your heart needs to be in it. Independent living is about maintaining your privacy, your freedom, and your independence—while having support available when you need it.

If reading this sparked excitement, relief, or even curiosity, it may be a sign you’re ready for the next chapter—and that chapter could be more fun (and carefree) than you ever imagined!

Retirement Readiness Blog

Thu, 30 Oct 2025 20:59:56 GMT

Is It Time for the Retirement Living Adventure? Let's Find Out!

Featured Blog

By Sheila Brustkern, Director of Sales & Marketing at Friendship Village
Is It Time for the Retirement Living Adventure? Let's Find Out!

Today, we're diving into a topic that might sound a bit daunting but is actually quite exciting: Retirement Living. Yes, you heard me right! Retirement isn't just about sitting on a rocking chair sipping lemonade (unless that's your thing, of course). It's about embarking on a whole new chapter filled with possibilities. So, let's chat about when it might be time to start considering retirement living.

The Nest Feels Empty : Remember those days when your house was bustling with kids running around and the sound of laughter echoing through the halls? Well, if those days are becoming distant memories and your nest is starting to feel a bit too roomy, it might be a sign that it's time to downsize and find a cozier home.

The Wanderlust Bug Is Biting : Are you constantly daydreaming about exotic destinations and ticking items off your bucket list? Retirement is the perfect time to satisfy that wanderlust bug! Moving to a retirement community can free up both your time and finances to jet-set around the globe. Imagine trading in your daily chores for a spontaneous trip like a relaxing beach getaway. Sounds pretty enticing, doesn't it?

Health and Safety Concerns : As we gracefully age, our health and safety become increasingly important considerations. If you find yourself struggling to keep up with everyday tasks or worrying about maintaining your current home, it might be time to explore retirement living. Many retirement communities offer on-site healthcare services, emergency response systems, and amenities designed especially for the young-at-heart, providing peace of mind for both you and your loved ones.

Social Butterfly Mode : Humans are social creatures by nature, and maintaining an active social life is crucial for our overall well-being. If you're feeling isolated or craving more opportunities to connect with like-minded individuals, a retirement community could be just the ticket. From group activities and clubs to communal dining experiences, you'll have ample opportunities to live a purposeful life--forging new friendships and creating lasting memories.

Embracing the Maintenance-Free Lifestyle : Let's face it: as we get older, the thought of tackling household chores and yard work becomes less appealing. Retirement living offers the ultimate solution – a maintenance-free lifestyle! Say goodbye to shoveling snow or fixing clogged gutters, and hello to more leisure time to pursue your passions and hobbies guilt-free.

So, there you have it, folks! While the idea of retirement living might seem intimidating at first, it's all about embracing the next chapter of your life with open arms and a sense of adventure. Whether you're craving more social interaction, yearning to explore new horizons, or looking to simplify your life, retirement living could be the perfect fit for your next great adventure.

Cheers to the journey ahead!

Take the Retirement Readiness Quiz Below!

Meet Chef Don

Wed, 01 Oct 2025 19:02:20 GMT

Meet Chef Don

W e're so proud to have Chef Don as part of the Friendship Village culinary team! Originally from Wiona, Minnesota, Don discovered his passion for cooking early and went on to graduate from the Florida Culinary Insitiute. His career has taken him to prestigious kitchens, including Mar-a-lago and the International Polo Club, where he cooked for celebrities and even a presidential candidate.

Don's signature dish - Parmesan Herb Crusted Chilean Sea Bass with lemon beurre blanc - reflects his love for bold, balanced, flavors. After years in Florida, he chose to move closer to family in Iowa and found the camaraderie he missed here at Friendship Village.

Known for his warmth, skill, and connection with both staff and residents, Don has quickly become a valued part of our community. When he's not in the kitchen, he enjoys fishing, hunting, coin collecting, & cheering on the Green Bay Packers.

Lobster Thermidor with Herbed Wild Rice & Grilled Asparagus

1 each- 1 1/2 lb Main Lobster
1 Tbsp Extra Virgin Olive Oil
2 Tbsp Whole Butter
2 tsp Minced Shallot
1 cup sliced Button Mushroom
1/4 cup Brandy
2 Tbsp all purpose Flour
1 Cup Heavy Cream
1/2 cup Shredded Gruyere Cheese
1 Tsp Dijon Mustard
Pinch of Cayenne Pepper
1 Tbsp Grated Parmesan Cheese
Lemon Garnish

1. Cook Lobster in salted boiling water for 8 minutes.
2. Chill Lobster in ice bath
3. Cut Lobster lengthwise
4. Take out lobster tail meat and rinse
5. Break off claws and crack out meat in claws and knuckles.
6. Cut meat into bite sized pieces and set aside
7. Rinse and Clean out shell
8. Sautee shallots in olive oil and butter until translucent on medium heat
9. Add Mushrooms and cook until tender
10. Add flour and whisk together
11. Add Lobster meat
12. Deglaze with Brandy and reduce
13. Whisk in Heavy Cream and reduce
14. Add Cayenne and Dijon
15. Add salt and white pepper to taste
16. Add in cheese
17. In empty shells, spoon in mixture
18. Sprinkle on Parmesan
19. Broil in oven until golden brown
20. Serve with Wild Rice, Grilled Asparagus and Lemon Wedge

Why choose a one bedroom?

SBrustkern@fvrc.com (Sheila Brustkern ) — Thu, 15 May 2025 17:17:13 GMT

Why choose a one bedroom?

Why Choose a 1-Bedroom Apartment?

I know. I know. You probably said you would never live in a 1-bedroom apartment. But COULD you, if you CHOOSE to? While there are pros and cons to any apartment home size, I want to help you explore the advantages of choosing a 1-bedroom apartment in a Continuing Care Retirement Community (CCRC).

This article may just bust the downsizing myths holding you back and help redefine how you live your life in the process.

Your New, 1-Bedroom Apartment Home...

1. Is the Perfect Size for Singles or Couples

Some people dismiss the idea of living in a one-bedroom apartment because it may look and feel “tiny” compared to their current home. Think about how much of your current home you actually use regularly? If you’re like most retirees, you live your life in the kitchen, living room and one bedroom. The 2 ^nd or 3 ^rd bedroom, a dining room, the basement or a den served you well raising your family, but now those areas simply accumulate more “stuff.” 1-bedroom apartments dedicate their square footage to the areas people use most. TIP #1. Look for high ceilings to make them feel even more spacious!

CCRCs understand the need for space. Many provide guest rooms right in the same building, or you might consider a quality pullout sofa bed for frequent guests. (Hotel rooms are often near-by, too.) Find CCRCs that have plenty of personal storage and common areas designed for family gatherings, crafting, woodworking, gardening and other activities.

2. Costs Less

Choosing a 1-bedroom is also a financially smart decision. The initial buy-in (Entrance Fee) for a smaller apartment can cost tens of thousands less than a larger unit initially, and hundreds less monthly. The long-term savings can be significant. TIP #2. Use the money you save for dream vacations, favorite charities, pampering yourself at the spa, or financing the education of grandkids!

3. Gives the Gift of Time and Peace of Mind

Living in a CCRC frees you from home maintenance obligations. Your monthly fee generally covers maintenance (including emergency repairs or appliance replacement), meals, housekeeping, transportation, activities, snow removal, landscaping, insurance, and in some cases, even your property taxes! TIP #3. A LifeCare CCRC has the added benefit of a predictable monthly fee, so you don’t have to fear the future no matter what level of care you need or how high future health care costs rise.

4. Expands and Enriches Your Life

Many CCRC residents readily share how little time they actually spend in their apartments, no matter what square footage they have. Even on the coldest winter day, residents can find ample time and opportunity to engage in a lifestyle that enables them to age successfully. Socialization and fellowship occur safely during both planned and spontaneous gatherings. TIP #4. Continuation of exercise, game-night, and dining routines help battle the ‘cabin fever’ that often accompanies winter isolation.

5. Is All About Choice

Taking advantage of downsizing from a lifetime of accumulation gives you a say in the matter now. Think of this as a good opportunity to de-clutter, taking only what you need, and blessing others with what you haven’t used in years. TIP# 5. YOU are in control when you downsize now.

As you consider 1-bedroom apartment living in a CCRC, more questions will come up. Nobody can answer them better than your future neighbors, so talk with a few about what it's like to live there. You just might discover why a 1-bedroom apartment home is just the right size for you. After all, saying NO to a larger apartment means saying YES to a bigger life!

Sheila Brustkern

Director of Sales & Marketing

Friendship Village/Landmark Commons

We hear it all the time: “I’m not ready yet.”

SBrustkern@fvrc.com (Sheila Brustkern ) — Wed, 23 Apr 2025 19:46:34 GMT

We hear it all the time: “I’m not ready yet.”

We get it. Making a move to a senior living community is a big decision. It involves more than just changing your address—it’s about timing, emotions, lifestyle, and the feeling of leaving behind a familiar chapter.

Here’s a new way to think about it--You don’t have to be ready to move to be ready to explore. There’s a world of difference between making a move and simply seeing what’s out there. Exploring now—before you need to—can open the door to clarity, peace of mind, and even a little inspiration about what your future could look like.

Why Look Now?

1. Knowledge equals Empowerment

When you take the time to explore senior living communities while you're still independent and in control, you give yourself the gift of choice. You’ll learn what’s available, compare options, and find out what feels like a good fit—all without pressure or urgency.

2. Plan on Your Terms

Waiting until “the day after you need it” often means making quick decisions under stress—whether it’s due to a fall, illness, or sudden change in living situation. Exploring now means you and your family can be proactive, not reactive.

3. Discover the Lifestyle

Many people are surprised by what they find. Senior living today isn’t what it used to be—it’s vibrant, full of activities, social opportunities, and wellness amenities that can actually enhance your lifestyle. Taking a tour or attending an event could change your whole perspective!

4. Get on the Waitlist

Popular communities often have waiting lists. By starting your exploration early, you can secure your spot in line and take your time deciding if and when the move is right for you.

5. Involve Your Loved Ones

Having the conversation with family and involving them in your search now can help reduce stress later. You’ll all be on the same page and feel more confident about the decisions ahead.

Ready to Take the First Step?

Exploring doesn’t mean committing. It just means you’re opening the door to possibilities. You’re giving yourself the time to learn, prepare, and maybe even dream a little about what the next chapter could look like.

Let’s face it—none of us can predict the future, but we can prepare for it. So even if you're not ready to move just yet… are you ready to explore?

We’d love to show you around. Schedule a visit, attend an upcoming event, or just come have a cup of coffee and ask questions. Your future is worth exploring!

Sheila Brustkern

Sales & Marketing Director

Friendship Village and Landmark Commons

Spring Into Action

SBrustkern@fvrc.com (Sheila Brustkern ) — Wed, 19 Mar 2025 19:33:45 GMT

Spring Into Action!

Spring into Action!

Spring is often seen as a season of new beginnings, making it the perfect time to plan a transition into a retirement community. If you've been considering making the move, here are ten compelling reasons why spring is the ideal season to do it.

1. Perfect Moving Weather

Spring offers mild temperatures and longer daylight hours, making the moving process much easier compared to the heat of summer or the chill of winter. You will not have to worry about snow and ice or sweltering heat when loading and unloading your personal items.

2. More Availability of Moving Services

Many people move during the summer months, making movers harder to book and more expensive. In the spring, moving companies tend to have greater availability and may even offer lower rates.

3. Fresh Start in a New Season

Spring symbolizes renewal, growth and fresh beginnings. Moving in the spring gives you a sense of starting fresh, aligning well with the idea of entering a new chapter in life. What better time to start your next chapter than when flowers are blooming and the world is coming to life?

4. Enjoy the Outdoors Right Away

Moving in the spring allows you to settle in just as community gardens, walking paths, and outdoor patios become the most inviting. You can start enjoying social gatherings, exercise, and relaxation outdoors from day one. Nature’s blooming scenery enhances the overall living experience.

5. Easier to Sell Your Home

Spring is a peak season for the real estate market, with more buyers actively looking for homes. Selling in the spring may help you get a better price and close the sale faster, making your transition to a retirement community smoother.

6. Time to Prepare Before the Holidays

By moving in the spring, you'll have plenty of time to settle into your new home before the busy holiday season. This means you can enjoy festive gatherings with new friends and loved ones without the stress of moving.

7. Spring Brings an Active Social Calendar

Many retirement communities host events, activities, and social gatherings that ramp up in the spring. It’s a great time to engage with your new neighbors and begin creating a fulfilling routine with activities suited to your interests. Moving during this time ensures you won’t miss out on all the fun and makes it easier to meet new people.

8. Health and Wellness Benefits

With warmer weather and longer daylight hours, you will feel more motivated to stay active. Many retirement communities offer fitness classes, water aerobics, and outdoor activities that can help you stay healthy and engaged right from the start.

9. Family Support is More Available

Since summer is a popular vacation and sports season, family members may be busier or traveling. In the spring, they may have more flexibility to help with the move and assist with your transition.

10. Tax Benefits

Moving in the spring can help you plan your finances ahead of tax season. You will have more time to manage potential moving-related expenses, such as selling a home or adjusting to the costs of retirement living.

Spring is a time for change, and moving into retirement living during this season offers the perfect combination of comfort, convenience, and the chance to enjoy a fresh start! If you have been thinking about transitioning to a retirement community, spring is the perfect time to take the leap. At Friendship Village and Landmark Commons, we offer a welcoming community, engaging activities, and comfortable living options to make your next chapter exciting and fulfilling.

Contact us today at 319-486-1680 to learn more about our available residences and schedule a tour. Spring is here—let’s make it your season of new beginnings!

Sheila Brustkern

Friendship Village

Sales & Marketing Director

Pets of the Village

Thu, 30 Jan 2025 20:16:10 GMT

Pets Who Love Living at Friendship Village and Landmark Commons!

Holiday Tips from Fox Rehab

Fri, 22 Nov 2024 18:18:12 GMT

Holiday Tips From Fox Rehab

The holidays are a busy time, and many times our own health takes a backseat to the hustle and bustle of the season. It is important for us to make sure that we are eating healthy, exercising daily, and getting enough sleep.

During these cold winter months, when we can’t go outside, exercise can be harder to get. We need to be creative-instead of walking outside, can I go to the mall, a building with long hallways, or the Sportsplex to walk? As you are out and about, park farther from the store. That helps to get a little “extra” walk in as you go in and out. It is easy to exercise within your home, and you don’t need gym equipment! For arm exercises, use soup cans, or bottles of pop, as your weights to provide a bit of resistance. Complete basic arm or leg exercises while sitting in a sturdy chair, or standing in front of your counter. Turn on your favorite music while you do this!

Getting enough sleep is very important. Sleep is the time your body is able to rest and recharge. We are more likely to catch an illness when our body is rundown, and being sick during the holidays is no fun. Stick to a nightly routine, including going to bed at the same time, and not using your phone after you go to bed. This will help you fall asleep easier.

Lastly, it is important to remember to maintain a healthy diet during the holiday season. There are so many goodies tempting us! The key is to eat some of those goodies, but also remember to eat some of our healthier foods also. There are a few easy ways to do this. Before you go to a holiday party, eat a light meal with nutritious foods-protein and fruits and vegetables. That way you won’t be as hungry at your holiday party, and less likely to fill up with unhealthy snacks and treats. Also, if you are asked to bring a dish to a holiday gathering, choose to bring something with some nutritional value. Remember to drink plenty of water, and limit alcoholic drinks.

If you have any questions or would like specific exercises to complete, reach out to the therapy department at 319-291-8122, and we will be happy to help you! Happy Holidays!

Mary Sadler, Fox Rehab

Spruce Up the Lodge

Thu, 21 Nov 2024 21:49:39 GMT

Spruce Up The Lodge

Project Goal is $110,000.00

The Lakeview Lodge Assisted Living and Memory Care facility is home for up to 50 individuals/couples who need extra care.

This project will assist in providing:

· 80 dining chairs

· 4 neighborhood furnishings (couches, love seats, side chairs, coffee tables, side tables, and lamps)

· Common area flooring replacement

The open house on October 24, showcasing the Lodge and sharing the need, was attended by nearly 100 visitors. The enthusiasm generated has resulted in a great response – gifts and pledges received through mid-November total 101,773.00! The Friendship Village Auxiliary and the Friendship Village Foundation each contributed $25,000.00, and individuals and couples have joined in to bring us close to the goal’s completion. Friendship Village is adding improvements to the Lodge, as well as those identified above. Gifts received beyond our goal will help offset these additional upgrades.

End of year is always a good time for each of to review our charitable giving. If you feel led in your heart to contribute to Friendship Village through either the Auxiliary or the Foundation, let me recommend our Wellspring Living skilled care unit. Wellspring’s worth is immeasurable, and we are continuing to underwrite it’s furnishings.

If you have not yet done so, do consider a gift to the Employee Christmas Bonus Fund. As you know, there is “no tipping” for services done, and this is our thank you to our employees. Gifts for the Employee Christmas Bonus Fund should be sent directly to the Friendship Village finance office.

On behalf of all who call Friendship Village their home, I extend our sincere gratitude!

- David Holm, Director of Development, Friendship Village

Lisa Gates Retires After Years of Leadership and Milestones

SBrustkern@fvrc.com (Sheila Brustkern ) — Fri, 18 Oct 2024 17:22:12 GMT

Lisa Gates Retires After Years of Leadership and Milestones

After 24 years with Friendship Village, including 10 years as President and CEO, Lisa Gates retires this month from Friendship Village.

Gates has been instrumental in shaping and modernizing Friendship Village, overseeing the most significant improvements to its campus in history, and establishing It Takes A Village Childcare. During her tenure, Gates built relationships and partnerships that make Friendship Village a wonderful place to live and work.

Along with a strong and dedicated team, Gates skillfully guided the organization through the unprecedented challenges of the COVID-19 pandemic. She ensured stability and continuity of care for residents while safeguarding the well-being of her staff. Under her leadership, Friendship Village adapted quickly to the evolving crisis, implementing innovative solutions to maintain high-quality service while protecting our most vulnerable residents.

Soon after stepping into the CEO role, Gates began planning for her eventual succession. With foresight, she spent the last decade equipping her staff to lead well after her retirement by shaping a culture of care and excellence that has become an enduring legacy.

Thank you Lisa for all you have done for us-- we wish you all the best in your retirement!

Medicare Enrollment Period

Fri, 27 Sep 2024 16:57:23 GMT

Medicare - What You Need To Know

It’s almost that time of year again – Medicare’s Annual Enrollment Period begins October 15th and runs to December 7th. This is the time of year when Medicare beneficiaries have the opportunity to review their current Part D and Medicare Advantage Plan coverage and make any changes that will take effect January 1st 2025.

FSB Premier Wealth Management will be here to help you navigate the world of Medicare and provide answers to the questions you may have. They will be putting on Medicare events that will be open to the public in an effort to keep our community informed on these changes and updates. These events will be held October 16th & 23rd and November 7th at 3:30. They have also offered the option of providing individual cost and coverage reviews with those of you who may prefer to discuss your situation in a more private setting.

Many Medicare beneficiaries will see changes to their Part D prescription drug plans and Medicare Advantage plans for 2025. Annual Notice of Change (ANOC) packets have gone out and will detail these changes. Beginning in 2025, The “donut hole” will be eliminated and out-of-pocket drug costs will be capped at 2,000 for the year. With these changes, we expect some plans to raise premiums and adjust copays to balance out the costs.

For those of you who have a Medicare supplement, premiums are projected to increase 10-14%. This is due to higher claims over the past couple years and record inflation. During the COVID-19 pandemic, many people delayed non-urgent medical services, which is now impacting premiums.

Call FSB Premier at 319-235-6561 with any questions or if you would like to schedule an appointment.

Disclaimer: We do not oﬀer every plan available in your area. Currently we represent 8 organizations which oﬀer 48 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance program to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.

Written By: Bob Hanson and Jennifer Marlin of FSB Premier Wealth Management, Inc.

2 Unexpected Expenses I’ve Been Slammed With in Retirement

Mon, 01 Jul 2024 16:05:56 GMT

2 Unexpected Expenses I’ve Been Slammed With in Retirement Story by Angela Mae

According to the Bureau of Labor Statistics (BLS), the average person aged 65 and up spends $52,141 a year, or $4,345 a month . Breaking this down further, those ages 65 to 74 spend $56,435 a year ($4,703 a month), while those who are 75 and up spend closer to $45,820 a year ($3,818 a month). This is based on 2021 data, the most recent data available, so the numbers may have increased.

But no matter what age you retire , it’s important to be prepared for the unexpected. This is particularly true when it comes to your finances. After all, costs continue to rise, and even the most-prepared individuals can get hit with costs they never planned for.

To get a better idea of the realities many Americans face upon retiring — and how to better prepare for them — GOBankingRates spoke with Scott DePeralta, who retired early but now serves as the president of Scott DePeralta Consulting, LLC .

Here’s what he said have been his biggest unexpected retirement costs to date.

Home Maintenance and Healthcare

“When I retired, I encountered some unexpected expenses that significantly impacted my retirement lifestyle and budget,” said DePeralta. The two big ones were home maintenance and healthcare.

The cost of home maintenance varies widely. According to State Farm, however, it’s best to budget in between 1% and 4% of your home value for annual maintenance costs. In the U.S., the average home sales price is $492,300. For a home valued at this amount, that means you should expect to spend anywhere from $4,923 to $19,692 a year on maintenance.

And when it comes to healthcare, it’s no secret that people in the United States have one of the highest financial burdens. According to CMS.gov, the average person spent about $13,493 on health-related costs in 2022, a 4.1% increase from 2021. Costs continue to rise, as well, making it harder to plan for these expenses.

Of course, everyone’s situation is different. Here’s what DePeralta said about the surprise expenses he’s had to deal with since retiring.

Medical Bills and Prescription Expenses

“One big area was healthcare-related costs, particularly medical bills and prescription expenses,” said DePeralta. “The need for certain medications and treatments ended up costing me around $500 per month, which was more than I had initially budgeted for. This forced me to adjust my financial plan and allocate more funds towards healthcare, impacting the discretionary income available for leisure activities or travel.”

DePeralta’s story isn’t untypical, either. Even individuals who qualify for Medicare have to pay some costs out of pocket.

For example, the average premium for Medicare Part B is $174.70 a month. The exact cost depends on the individual’s income. Medicare enrollees also have to pay a $240 yearly deductible — and an additional $1,632 whenever they’re admitted to the hospital under Medicare Part A.

The cost of other services, such as treatments, preventative care and medication, vary widely based on the healthcare plan, whether the service is out-of-network and individual need. However, the average out-of-pocket prescription medication costs for adults of any age is $177 a year — more for those ages 65 and up.

New Roof and HVAC System Replacements

The other big expense DePeralta’s been hit with during retirement is related to his home.

“Home maintenance and repairs also caught me off guard,” he said. “The necessity of a new roof and HVAC system repairs proved to be significant costs, totaling approximately $3,000 for the roof and $1,500 for the HVAC repairs.”

These unexpected expenses have had a direct impact on his retirement budget. “I had to reallocate funds from other areas to cover these essential home repairs, ultimately affecting the overall financial flexibility of my retirement lifestyle,” he said.

If you’re a homeowner, too, chances are you’ll end up facing similar costs throughout your life — and well into retirement. Even if you’ve paid off your mortgage, something many financial experts recommend doing before retiring, you’ll still need to consider things like utilities, insurance, taxes and repairs.

Certain things, like property taxes, can rise based on such factors as the perceived market value of your home. Homeowners insurance premiums may also increase due to inflation or based on other external factors — like environmental disasters or severe weather changes.

As for repairs and general maintenance, costs vary based on location, your home’s age, your appliances, square footage and more.

Preparing for the expenses is key

“Unexpected expenses in retirement, especially in healthcare and home maintenance, can have a profound effect on one’s financial plan and lifestyle,” said DePeralta.

By anticipating and preparing for these costs as much as possible ahead of time, it’s easier to obtain that much-needed peace of mind and financial security in retirement.

Keeping in mind that your exact costs will be unique to you, here are a few other common — yet largely unexpected — expenses many retirees face and how to prepare for them:

Long-term care: According to the U.S. Department of Health and Human Services, around 70% of people who are 65 and older will need long-term care for at least 3 years. The typical cost of a private room in a nursing home facility is $116,800 a year. In-home care costs $68,640 to $75,504 a year, depending on what you need. You can purchase a long-term care policy to offset these costs.
Transportation: If you have a car, account for maintenance, fuel, insurance and depreciation. One way to combat this cost is to take public transportation or, if that’s not possible, to get a vehicle with low overall costs and a high safety and reliability rating.
Emergencies: Life happens. Whether that’s an adult child coming to you who needs your help, a spouse passing away — and potentially lowering your household’s retirement income — or something else, costs can add up. Some ways to protect yourself include buying life insurance, investing in tax-advantaged retirement funds and building passive income streams.

Article from www.msn.com and can be found here .

When Should It Be Assisted Living?

Tue, 21 May 2024 21:29:04 GMT

When Should It Be Assisted Living?

Quite often there is a conversation had by many families--does my loved one need Assisted Living?

An Assisted Living is community living, usually an apartment building with staff available to help someone with a few ‘Activities of Daily Living’ tasks. Assisted Living settings will also have meal/cooking options, housekeeping services, and activity events to make your life more full.

Assisted Living is that step between living in your home independently, and needing care from a Nursing Home. Assisted Living bridges that gap between the two. Quite often Assisted Living is a great choice when the person is starting to have memory issues or a diagnosis of Dementia. The loving care of individuals working in Assisted Living can provide great direction and cues to someone just needing help with memory to find their room, to know when it is time to eat, to help them with medications, to help them find opportunity to socialize.

To live in Assisted Living, you should be able to do some things for yourself, like walking or getting around throughout the day (even if using a walker, cane, or wheelchair), dressing yourself (most of it with possibility of a little help), bathing (some assistance is alright, if needed). And you can leave the cooking and cleaning to the staff!

Tips to have that conversation with your loved one could include:

Let’s find a place that can do your housekeeping and cooking for you.
Let’s find a place where you live among friends so you can socialize with them.
Let’s find a place where it is secure, and you don’t have to worry about your safety.
Let’s find a place where you get help when you need it most but also allows you to continue to do the things you still can do for yourself.
Let’s find a place where you don’t have to worry about yard work or shoveling snow.
Reassure your loved one that this is a place to give you more supporting services, safety, socialization and an active lifestyle.

Talking to a loved one about moving to assisted living can be challenging. Approach them with empathy, choose the right time and place, and allow them to be involved in the decision-making process. Be sure to provide them with detailed information to address any concerns they may have. Continuous support and patience are essential throughout this transition so don’t be afraid to lean on the professionals who can help support YOU as well.

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Time to Start the Retirement Living Adventure

SBrustkern@fvrc.com (Sheila Brustkern ) — Wed, 27 Mar 2024 15:56:11 GMT

Is It Time to Start the Retirement Living Adventure? Let's Find Out!

Today, we're diving into a topic that might sound a bit daunting but is actually quite exciting: Retirement Living. Yes, you heard me right! Retirement isn't just about sitting on a rocking chair sipping lemonade (unless that's your thing, of course). It's about embarking on a whole new chapter filled with possibilities. So, let's chat about when it might be time to start considering retirement living.

1. The Nest Feels Empty : Remember those days when your house was bustling with kids running around and the sound of laughter echoing through the halls? Well, if those days are becoming distant memories and your nest is starting to feel a bit too roomy, it might be a sign that it's time to downsize and find a cozier home.

2. T he Wanderlust Bug Is Biting : Are you constantly daydreaming about exotic destinations and ticking items off your bucket list? Retirement is the perfect time to satisfy that wanderlust bug! Moving to a retirement community can free up both your time and finances to jet-set around the globe. Imagine trading in your daily chores for a spontaneous trip like a relaxing beach getaway. Sounds pretty enticing, doesn't it?

3. Health and Safety Concerns: As we gracefully age, our health and safety become increasingly important considerations. If you find yourself struggling to keep up with everyday tasks or worrying about maintaining your current home, it might be time to explore retirement living. Many retirement communities offer on-site healthcare services, emergency response systems, and amenities designed especially for the young-at-heart, providing peace of mind for both you and your loved ones.

4. Social Butterfly Mode: Humans are social creatures by nature, and maintaining an active social life is crucial for our overall well-being. If you're feeling isolated or craving more opportunities to connect with like-minded individuals, a retirement community could be just the ticket. From group activities and clubs to communal dining experiences, you'll have ample opportunities to live a purposeful life--forging new friendships and creating lasting memories.

5. Embracing the Maintenance-Free Lifestyle: Let's face it: as we get older, the thought of tackling household chores and yard work becomes less appealing. Retirement living offers the ultimate solution – a maintenance-free lifestyle! Say goodbye to shoveling snow or fixing clogged gutters, and hello to more leisure time to pursue your passions and hobbies guilt-free.

So, there you have it, folks! While the idea of retirement living might seem intimidating at first, it's all about embracing the next chapter of your life with open arms and a sense of adventure. Whether you're craving more social interaction, yearning to explore new horizons, or looking to simplify your life, retirement living could be the perfect fit for your next great adventure. Cheers to the journey ahead!

Sheila Brustkern, Sales & Marketing Director

Embracing the Generational Bridge: The Benefits of Seniors and Children Connecting

Fri, 26 Jan 2024 17:02:34 GMT

Embracing the Generational Bridge: The Benefits of Seniors and Children Connecting

In a fast-paced world dominated by digital communication, the value of intergenerational relationships often gets overlooked. However, the bond between seniors and children is a unique and powerful connection that offers numerous benefits for both age groups.

Let's explore the rich advantages of fostering these relationships and discover ways you can get involved:

1. Wisdom Sharing:

· Seniors bring a wealth of life experiences and wisdom, offering valuable insights to the younger generation.

· Children, in turn, bring fresh perspectives, curiosity, and a sense of wonder that can rejuvenate seniors' outlook on life.

2. Emotional Support:

· Seniors often find comfort and joy in the playful and unconditional love of children, combating feelings of loneliness and isolation.

· Children benefit from the patient and nurturing guidance of older individuals, fostering emotional resilience and empathy.

3. Skill Transfer:

· Seniors can pass on traditional skills, such as cooking, gardening, or crafting, preserving important cultural and generational knowledge.

· Children, with their tech-savvy abilities, can assist seniors in navigating the digital world, promoting mutual learning and understanding.

4. Cognitive Stimulation:

· Engaging in activities together, such as storytelling, puzzles, or board games, stimulates cognitive functions for both seniors and children.

· These interactions contribute to maintaining mental sharpness and memory for seniors while fostering cognitive development in children.

5. Strengthening Community Bonds:

· Intergenerational relationships promote a sense of community and unity, bridging the gap between different age groups.

· Events that bring seniors and children together create a supportive network, enhancing the overall well-being of the community.

Want to experience these benefits? The consider getting involved!

· Senior Centers: Volunteer at local senior centers, organizing activities or events that involve interaction between seniors and children.

· School Programs: Collaborate with schools to establish intergenerational programs, such as reading partnerships or joint art projects.

· Community Events: Organize community events that celebrate both seniors and children, fostering an inclusive environment.

Intergenerational relationships between seniors and children create a beautiful tapestry of shared experiences, laughter, and mutual growth. By actively participating in such connections, we not only enrich the lives of individuals but also contribute to the fabric of a more compassionate and resilient society. At Friendship Village, we are proud to build bridges across generations through our It Takes A Village Childcare Center and appreciate the richness that grows as a result of bringing our residents and “little’s” together.

--Sheila Brustkern, Sales & Marketing Director, Friendship Village

Why Choose A 1-Bedroom Apartment?

Thu, 21 Dec 2023 18:44:44 GMT

Why Choose a 1-Bedroom Apartment?

I know. You probably said you would never live in a 1-bedroom apartment. But COULD you, if you CHOSE to? While there are pros and cons to any apartment home size, I want to help you explore the advantages of choosing a 1-bedroom apartment in a Continuing Care Retirement Community (CCRC).

This article may just bust the downsizing myths holding you back and help redefine how you live your life in the process.

Your New, 1-Bedroom Apartment Home...

1. the Perfect Size for Singles or Couples

Some people dismiss the idea of living in a one-bedroom apartment because it may look and feel “tiny” compared to their current home. Think about how much of your current home you actually use regularly? If you’re like most retirees, you live your life in the kitchen, living room and one bedroom. The 2nd or 3rd bedroom, a dining room, the basement or a den served you well raising your family, but now those areas simply accumulate more “stuff.” 1-bedroom apartments dedicate their square footage to the areas people use most. TIP #1. Look for high ceilings to make them feel even more spacious!

2. Costs Less

3. Gives the Gift of Time and Peace of Mind

Living in a CCRC frees you from home maintenance obligations. Your monthly fee generally covers maintenance (including emergency repairs or appliance replacement), meals, housekeeping, transportation, activities, snow removal, landscaping, insurance, and in some cases, even your property taxes! TIP #3. A Lifecare CCRC has the added benefit of a predictable monthly fee, so you don’t have to fear the future no matter what level of care you need or how high future health care costs rise.

4. Expands and Enriches Your Life

5. Is All About Choice

As you consider 1-bedroom apartment living in a CCRC, more questions will come up. Nobody can answer them better than your future neighbors, so talk with a few about what it's like to live there. I’m confident you’ll discover why a 1-bedroom apartment home is just the right size for you. After all, saying NO to a larger apartment means saying YES to a bigger life!

By Sheila Brustkern, Sales & Marketing Director

The Village Vision

Thu, 22 Jun 2023 21:34:11 GMT

The Village Vision

Ready to Move But Not Ready to Downsize?

Mon, 14 Nov 2022 22:40:36 GMT

Tips to Reducing the Stress of Moving

This time of year, many retirees want to put down their snow shovels and start considering retirement community living. The thought of year-round, maintenance-free, active living is an exciting thought that is sometimes short-lived when the panic of “but what do I do with all my stuff” kicks in. Why not make the move a smooth transition for yourself by creating a plan with just a few simple steps?

Start the process right

When it’s time to begin, be in the right mindset. Instead of thinking, “this is hard,” think “I can do this!” Reach out to your family and set-up a time for you all to meet at your home. Acknowledge that this can be an emotional time for everyone, but you have an amazing opportunity to discover forgotten mementos and family treasures while spending quality time together. Remember that you all have the same goal in mind—to make your new home as meaningful and comfortable as your current one.

Schedule bite-sized work sessions

The process can feel time-consuming and tiring for all involved. Space out your sessions to maintain the energy everyone will need. Set time limits (for example, carving out three hours on a Sunday), or focus on one small area of the house (a single closet or room) at a time. You want to make it accomplishable. Sometimes it works best to have a focus, for example: “Today, we are only working on clothes,” or “This is our garage day.”

Make it fun!

Consider buying four medium-sized plastic bins and label them ‘Keep’, ‘Toss’, ‘Sell’ and ‘Donate.’ Through the week, as you come across items, just place them in the proper bin. Taking frequent breaks, playing favorite music, or ordering in pizza or Chinese food can be a fun way to reward yourself for making progress!

It’s more than stuff

Most of what you have collected over the years comes with an emotional connection. It can remind you of special moments in your life with family and friends. Deciding on what to keep or give away can seem like a really big decision. Take some of that pressure off yourself by acknowledging that the actual material object probably isn’t what brought you the joy—it was the MEMORY you created around it.

Needing extra help?

For those folks that don’t have local family to help or just want some extra assistance with all of the sorting and packing, consider using a downsizing company. There are many organizations that specialize in retirement moves. They have expertise in auctions, estate sales, and yard sales. They can even advise and recommend what items have true value in the re-sale market. Loading up boxes and bringing items to charity organizations for you can be a real advantage of using these types of companies.

Make your NEW home, YOUR home.

Moving into a new space can sometimes feel a bit impersonal at first, so creating the look and feel of things that help you to connect can really ease the transition. Choosing a favorite paint color for the walls, bringing a cherished piece of furniture, or a special centerpiece can really make you feel right at home! Hang up those treasured paintings and family portraits to add that special personal touch.

Embracing your new journey

Making the choice to move to a retirement community is a big step for most; but knowing you have a well thought-out plan can take what may have seemed like a huge chore to an experience full of sharing, laughter, and adventure! This journey can be a time to bring your memories with you and an opportunity to create many new ones along the way—before long, you’ll be saying you wish you had done it sooner!

By Sheila Brustkern, Sales and Marketing Director

Recipe From Chef Grace

Fri, 21 Oct 2022 19:22:09 GMT

Lemon Blueberry Trufle

Ingredients & Directions

For the Lemon Curd

7 large egg yolks
2 large eggs
1 cup + 2 tablespoons sugar
2/3 cup fresh lemon juice
1/4 cup lemon zest (plus a little extra for garnish)
1/8 teaspoon salt
4 tablespoons unsalted butter — cut in 1/2 inch pieces
3 tablespoons heavy cream

For the Blueberry Syrup

2 1/2 cups blueberries (I use frozen but fresh is okay too)
1/2 cup water
1/2 cup sugar
2 tablespoons lemon juice

For the Mascarpone Filling

2 (8 oz) packages mascarpone cheese
1 cup white chocolate (I use baking chips and melt with a little butter or oil)
1 cup heavy cream

To Assemble

8 ounces ladyfingers (can also use sponge cake)

Lemon Curd

1. In a medium saucepan, whisk the egg yolks, whole eggs and sugar together until combined. Whisk in the lemon juice, zest and salt.

2. Add the butter and cook over medium-low heat, stirring constantly, until the mixture thickens to a thin sauce-like consistency, about 5 minutes.

3. Immediately strain the curd through a fine-mesh strainer into a medium-size bowl and stir in the cream. Cover with plastic wrap and place in the refrigerator to cool completely.

Blueberry Syrup

1. Place blueberries and water in a medium saucepan over medium-high heat. Using a whisk or wooden spoon, crush the berries. Bring the berries to a boil, then lower temperature to medium-low and simmer for about 10 minutes.

2. Remove pan from heat and pour berries into a strainer over a glass measuring cup or bowl. Using he back of a spoon or ladle, press as much juice out of the blueberries as you can. Discard solids.

3. Return blueberry juice to the pan, then add lemon juice and sugar. Bring to a boil and simmer for about 5 minutes until mixture thickens slightly. Remove from heat and chill in refrigerator to cool completely.

Mascarpone Filling

1. Microwave white chocolate in a microwave-safe bowl until smooth. Set aside. Whip heavy cream in a stand mixer or with a hand mixer until soft peaks form. Set aside.

2. Cream mascarpone cheese in a stand mixer for about one minute. Add melted chocolate and mix until combined. Fold ¼ of the whipped cream into the mixture. Add the remaining whipped cream and fold–try not to overmix!

To Assemble you will need a 9x13 dish.

1. While wearing gloves (the blueberries might stain your fingers), dip each lady finger into the blueberry syrup and place one layer on the bottom of your dish.

2. Spread half of the lemon curd on top of the blueberry syrup-soaked ladyfingers. Then follow with half of the mascarpone filling.

3. Repeat these steps one more time with remaining ingredients, and garnish with a sprinkle of fresh lemon zest or blueberries. Place in the refrigerator for at least 4 hours or overnight before serving. Enjoy!

Notes: Blueberry Syrup and lemon curd can be made a day ahead of time. If using lady fingers, I suggest storing in refrigerator over night to insure the fingers are soft when eating. This will keep about 3-4 days in refrigerator.

Finding The Perfect Retirement Hobby

Fri, 21 Oct 2022 18:44:03 GMT

Has retirement left you with a lot of time on your hands? Where once your job filled 40 or more hours a week, perhaps now you find yourself bored and looking for something to do.

The first thing to do is to ask yourself and create a list of ‘What I like to do.’ That may seem too simple, but it will get the creative juices flowing. Yours might include “socialize, create, be physically active, dance, lead a committee, help with the disadvantaged, care for kids, bake, drive,” or anything else that fits you and will help you stay active as well as mentally and physically healthy. Here are some ideas to get you started:

Biking, Walking, Hiking

Maybe all three make your list! If these sound better as a casual hobby, you will still benefit by visiting with an expert. A trip to the local bike shop or running store will pair you with equipment that matches your current ability. That will help set you up for success – which almost guarantees you will stick with it.

Volunteering

With a rough count, there are over 100 non-profits, churches, and service clubs in the Cedar Valley that could use your time and talents. Invest any amount of time you can and feel good about making a difference!

Traveling

Take that trip you have always dreamt about or revisit some of your favorite places or people. Ever thought of a stay-cation? There are so many places to explore right here in the Cedar Valley. Not comfortable driving? Bus tours, flights, and rail service take the responsibility off your shoulders.

Advanced Learning

The journey of lifelong learning should continue in retirement! One positive that came out of the recent pandemic is that it brought about an explosion of online museum tours and lectures, plus educational programs and courses designed for seniors.

Participating in a Book Club

Make your reading even more fun and rewarding by joining a book club. You can deepen your understanding of both books and people. Joining a book club in retirement can also prompt you to read books you otherwise wouldn’t read and can open doors to new perspectives!

Gardening

Digging, weeding, and harvesting is good for the body, the brain and the soul. It also is productive. Even if you never eat your own produce, there are many in our community who could benefit from your generosity. Add this popular pastime to your list and you could be twice blessed.

Writing

You don’t need to produce the great American novel. Write to satisfy yourself and you will enjoy the outcome as well as the process. Consider a gratitude journal or getting your life stories down on paper (or tape) so that your family and future generations can treasure them. Check out storyworth.com and captureyourstory.org for two ways to make it easy.

Singing

You may not have sung in a group since high school (if at all) so this may be scary at the start. Community choir groups welcome people of all abilities and when you push through your fear, there is an important part for you no matter how rusty your pipes may be. A Karaoke garden party with friends and family is fun and easier than ever with the all-in-one machines you can buy for virtually “a song”.

While this is quite a list already, I haven’t yet mentioned dancing, genealogy, woodworking, painting, swimming, drawing, photography, playing an instrument, learning to fly, knitting, fishing, cooking, billiards and so much more. What’s the second thing to do? Put your list in existence on your calendar and go have some fun!

By Sheila Brustkern, Sales & Marketing Manager, Friendship Village

So Many Retirement Options, How Do I Choose?

Wed, 28 Sep 2022 17:18:04 GMT

So Many Retirement Options, How Do I Choose?

Today’s senior living communities aren’t your parents’ retirement homes. This article will help you explore and differentiate all your options.

As you research each of the following, you will also be refining the exact services, care, activities, and lifestyle you want. Do you prefer a view, floor level or sun exposure? Check for elevators, parking options and storage. When you match them with your budget, I’m confident one of the following will be just right.

Apartment Rentals

Let’s start with senior living apartments. Senior living apartments can offer activities, services and care on a scale of ‘NONE’ to ‘FULL SERVICE.’ Some places are just a standard rental situation while those on the other end of the spectrum provide meals, services, activities, and care that rivals some of the larger retirement communities around.

Popular aspects of senior living rental communities are that there is no upfront entrance fee. In home care-givers and/or nursing services can be available for an extra fee. Some even allow your family members to provide care, which can be a budget-friendly option. “At home or travelling” care services allow you to ‘age in place’ more easily. Couples can also stay together when one needs more care than the other.

Maintenance Free, 55+ Communities

Imagine having your own spacious apartment or custom home, but not the worry of maintaining a home or yard! Similar to a vacation-lifestyle, this is a great option for active seniors who want to be free to travel, socialize and have many of their monthly expenses rolled into one payment.

Ask about outdoor spaces, hobby areas, dining options and parking (underground preferred!) At the more progressive retirement communities, restaurants, pubs, bistros, fitness areas, spa/pool, salon and libraries are all just down the hall!

Continuum of Care Retirement Communities (CCRC’s)

Another category is the more traditional ‘retirement community.’ This option means that all levels of care (from independent living, to assisted living, to skilled nursing care and even memory care) can be found on the same campus.

A sense of community is a hallmark of these organizations. If you want to ‘join in’ where you live, these are a great option. The people who move in to these communities often become closer than family.

If you wish, maintenance free living and a virtually all inclusive lifestyle, enable you to create an active schedule because there are so many things to do!

You will rub shoulders with new friends who have shared life’s experiences through planned events, trips, clubs and activities.

Generally in a CCRC, you move from one building to the next when your care needs exceed the ‘fit’ of the previous apartment home, but you stay within the same campus. I know, the idea of moving again, even many years in the future, may not excite you, but having access to the right environment when you need it will be a relief not only to you, but your family as well. Some CCRC’s are Lifecare communities that enable you to move from independent living to a higher level of care without a significant increase in the monthly fee so you can do so without fear of exceeding your financial resources or jeopardizing your estate.

In closing, I encourage you to look for organizations that carry a non-profit orientation. That means that decisions are resident focused, instead of profits or ownership.

Fortunately, you have more and better retirement living choices than your parents had when they retired-- and with a little preparation, you can live your retirement life, your way!

By Sheila Brustkern, Sales & Marketing Manager, Friendship Village