Retirement with your partner is an exciting new chapter. You have more time to do the things you love with the person you love as well as to pursue those personal passions you may have put aside while you built a career and/or raised a family. While retirement brings new opportunities, it also comes with challenges. You and your partner might struggle to fill all your extra time and keep your mind stimulated, find it challenging to maintain your home, and face new medical conditions. Thankfully, there are options that can provide you with all the right tools to enjoy retirement together, to its fullest extent.

You’ll have the opportunity to live an active and fun retirement in a Life Plan Community, also known as a Continuing Care Retirement Community (CCRC) while also ensuring all your needs are met. While leaving the home you’ve lived in, and even raised a family in, can be tricky, transitioning into a CCRC sooner rather than later will eliminate many of the stresses you might face if you wait.

Fewer Household Chores

Once you move into a CCRC, you’ll enjoy freedom from all the hassles of staying in your current home. Some of these things might be obvious – like not having to cook each meal, clean your home, or change a lightbulb. Other conveniences may come as a pleasant surprise – like not having to mow the lawn or shovel snow, handle home maintenance, or track down a reliable plumber or handyman. When you move into a CCRC, the courteous and well-vetted staff take on many responsibilities you and your partner have been handling.

Lock-and-Leave Lifestyle

When you move into your independent living residence, you’ll be able to come and go from the campus as you please. With your newfound time, you can visit out-of-town family, stop by your favorite shops, or take the vacation(s) you’ve always dreamed about. With 24/7 campus security, a mailroom handling your letters and packages, and even housekeeping stopping by to ensure your apartment is clean and ready for your return, you won’t have to worry about leaving your home for days or weeks to travel.

All The Support You’ll Ever Need

CCRCs have professional teams ready to assist you in any way they can. Some staff act as concierges and can assist in planning events and outings, while others are there to help you with physical and mental fitness. In addition to a great staff, you and your partner can make new friends with other residents. You’ll be able to meet other singles or couples and find new friends who share common interests.

Opportunities To Embrace Independence

While a CCRC is a great place to enjoy retirement with your partner, it’s also the perfect environment to be independent of each other. While CCRCs offer you and your partner many activities that can be done together, you won’t have to rely on them as your only companion for all the activities available on campus. If there’s an activity or event your partner isn’t excited about, you can go with a new friend or go alone and meet someone new!

If you decide to stay in your current home, it can be more challenging to find senior-focused, low-cost events. You also might feel less inclined to leave your partner at home while you go out with friends, as he/she might be more dependent on you for social interaction. But in a CCRC, events and activities are just outside your door and included in your monthly fee. The campus makes staying active and social easier because activities and events are more accessible, and you’ll get to pick and choose only what interests you.

Less Stress Over Medical Care

Alongside all the experiences and ease of living at a CCRC, you’ll have proper medical care available if you or your partner need it. CCRCs have on-campus care providers ready to assist you with your medical needs, whether it be a short-term injury like a fall or muscle strain or more long-term issues that can occur as you age. In a CCRC, as your care needs change, you can stay comfortably in your own residence or move within the same campus.

If you stay in your current home, you risk losing time with your partner if one of you must move away into a standalone assisted living, memory care or skilled nursing facility. Moving into a CCRC with your partner before your needs change prevents a stressful move or having to separate from your partner at one of the greatest times of need, to be together.

If you and your partner are looking into your options for living an independent, active, and healthy retirement, consider a CCRC. You’ll experience a maintenance-free home on an energetic and social campus with an experienced support team. CCRCs support your retirement socially, physically, mentally, and spiritually so you can focus on enjoying your retirement to its fullest with your partner.

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The Ormsby understands the importance of aging happily with your partner and provides a great lifestyle with the peace of mind of future support. To learn more about all The Ormsby offers for you and your loved one, visit their website or call 1-859-330-1490.

Today’s technology provides endless opportunities for anyone to continue their educational journey, whether it be learning a new language, brushing up on history or developing a new skill. Online learning platforms allow everyone, including older adults, to take on new challenges and expand their brains.

As you age, it’s important to stay healthy physically and cognitively. By continuing to learn and exercise your brain, you’ll keep your cognitive health in good shape and slow the progression of decline. And as you enter retirement, you’ll have the chance to continue learning and exploring things you are passionate about that you may not have had time for when you were working and raising a family.

Technology has made it easy to access online learning platforms from your computer or smartphone. If you have access to the internet, you can learn pretty much anything from anywhere. Many online learning sites are free or offer a paid version at a small cost. Depending on your interests, many sites offer diverse types of classes and lessons covering assorted topics. Here are some of our favorite online learning platforms:

1: Coursera: Working side by side with more than 300 of the top businesses like Amazon, Google, Microsoft, and some of the best universities in the country, including the University of Pennsylvania, New York University and John’s Hopkins University, Coursera has a reputation for working with the best. They offer classes in business, computer science, language, art, health sciences and more. Whether you want to learn something new or master something you love, Coursera has the resources for you. You can take classes just for the love of education or work toward degrees and certificates from major universities, all from your computer.

2: Duolingo: This language learning platform, available online or through a top-rated mobile app, offers language learning for its users centered around real-life communication and not just learning grammar rules. The goal is to have learners holding conversations as quickly as possible, with daily reminders, missions and activities to help students stay motivated. Duolingo has created a research-backed teaching method to make lessons more enjoyable, digestible and easy to remember. They currently offer 43 different languages, so whether you’re brushing up on your French or starting fresh with Japanese, Duolingo has something for everyone.

3: MasterClass: This online learning platform for adults offers classes across many topics, taught by masters in their fields. Whether it’s cooking taught by Gordon Ramsay, filmmaking led by Martin Scorsese or even astrophysics with Neil deGrasse Tyson, MasterClass has something for everyone. The site is excellent for picking up new skills, learning new information on a topic you are interested in, mastering something you’ve been working on or just relaxing and enjoying the lectures.

4: One Day University: This virtual university has partnered with more than 200 of the country’s best professors to create online lectures across hundreds of topics. One Day University believes learning should be informative and fun, so their lectures are educational, engaging, and enjoyable. They offer hundreds of topics, some of their most popular being history, politics, art, business and even zoology. Lectures typically last about an hour and can be viewed anytime and anywhere with an active subscription.

5: Skillshare: This is a wonderful place to explore, learn and master creative skills like video editing, writing and painting, and even share some of the skills you’ve excelled at in your life. Skillshare teachers are professionals who want to share their talents and skill sets with a community eager to learn. Learners can pick up a new hobby or skill taught by real-world professionals.

This is a hub not only for learners and creatives but also for budding teachers. If you have a particular skill set you’ve mastered over the years, Skillshare is always looking to add new courses and teachers to its website. By teaching, you can share your passion with excited students while making some money too.

These are considered some of the best online learning platforms because they offer a wide variety of topics taught by professionals. No matter which website or course you choose, you’re bound to learn something new and interesting. You’ll even be able to connect with other users on the platforms and meet like-minded individuals, discussing what you learned, what you might not understand yet and what you’re going to learn next. You could even take a class with friends and then hold discussions over a cup of coffee or glass of wine. The benefits speak for themselves.

 

No matter what platform you choose, there’s lots of learning to enjoy and topics to explore. The Ormsby understands this and the benefits of continued education. That’s why they have a Life Enrichment team dedicated to helping their residents continue living vital, active lives. Learn more about The Ormsby and all they have to offer on their website or call 1-859-331-1490.

With the warmer weather here, it’s time to start making arrangements for some fun plans this summer. And with so much to choose from in and around Northern Kentucky, it can be hard to narrow the list down to just a few ideas. That’s why we’ve compiled some of the most sought-after summertime activities to check out here in our favorite midwestern region.

1. Visit Some Picturesque Local Parks

Whether you’re hosting a picnic with a view or finishing the rest of your novel, there’s plenty of locations to choose from in the rolling hills that surround Northern Kentucky and its surrounding counties. Here’s just a few to get you started:

Mount Echo Park: Just a 15-minute drive away from Fort Mitchell, this overlook offers a view with a little bit of everything – the Ohio River, the sweeping Cincinnati skyline, and in the backdrop, the riverside Kentucky landscape. For any architecture buffs, a Frank Lloyd Wright-inspired shelter lingers nearby on the hilltop, along with hiking trails and a playground.

Devou Park: A destination picnic spot (and popular wedding proposal location), this park offers another unique view of the city skyline from the Kentucky side of the Ohio River. Park benches are scattered beside the walking paths that line the space, making it the perfect spot to enjoy an afternoon stroll.

Olden View Park: Sitting on the outskirts of downtown Cincinnati, this park is home to the Incline Public House, a local favorite for outdoor dining and drinks. While a lot smaller than the other spots we mentioned, this location is the perfect place to catch up with an old friend or loved one.

2. Spend the Afternoon at Newport on the Levee

Hosting more than 2 million guests each year, Newport on the Levee has over 380,000 square feet of retail and restaurant space of which to take advantage. Take in riverfront views as you walk along the pier before checking out any of the unique shops or nearby entertainment options that line the Levee:

  • 20-screen AMC Theatres
  • Pizazz Interiors
  • Sweet Dreams Candy Co.
  • Rotolo by Velocity, a boutique bowling alley
  • The Newport Aquarium
  • Immersive Gamebox

After you get your fill of fun in, you might find some local music being played just down the paved walkway. Here, benches face the Ohio River and look beyond, offering a gorgeous look at the city skyline and the hills that lay behind them.

Once you’ve sat in the sun for a bit, consider grabbing a bite to eat at one of the 22 dining options it has to offer, including:

  • 16 Lots Brewing
  • Amador
  • Cold Stone Creamery
  • Tom & Chee
  • Brothers Bar & Grill

As often as you might hear the phrase, it rings true here: Newport on the Levee really does have something for everyone.

3. Stop By Findlay Market

Just blocks away from downtown Cincinnati, this staple market is not only the oldest running public market in all of Ohio, but also one of its most cherished institutions to locals and visitors alike. And for good reason.

Findlay Market is a bustling core of delectable bites, artisanal treats, and culture. Hosting more than 45 full-time merchants and street performers of all kinds, you can find jazz quartets, local bands, magicians – any sort of entertainment that adds to the fun, family atmosphere that patrons have been a part of for decades.

It’s also home to locally sourced, farm-to-table shops and eateries, making it the number one destination in the region for fresh meat, fish, cheese, delicatessen, and more. So next time you’re taking a trip into town for new plants or flowers (which Findlay Market also offers), consider stopping by for some of your weekly groceries, sold as fresh as they come.

It’s open Tuesday through Sunday all year long.

4. Enjoy Local Craft Beer and Wine

Who doesn’t love a cold beer or chilled glass of wine on a hot summer day? Kentucky is home to more than 60 wineries and an ever-growing list of breweries, creating craft beer that’s sold throughout the tri-state area. And that makes sense when you consider that the region itself was known as the Beer Capital of the World before Prohibition, producing more than 33% of all the beer in the U.S. Kentucky was even home to the first commercial vineyard in the country.

So where do you begin? Well, we have a short list here for you to start with:

Wineries

Brianza Gardens and Winery: Wander the gardens, listen to live music, or even join in on the next harvest at this fun winery. Just ask the staff about the schedule and they’ll provide details on how to join.

Atwood Hill: This charming winery can be found in the Morning View community of Kenton County and has hilltop views, a weekend food truck, and live music.

12 Mile Creek Winery: Award-winning wines in a cozy atmosphere? Count us in. 12 Mile is well-known for their collection of dry varieties and signature jalapeño wine Bloody Mary.

Breweries

Alexandria Brewing Company: The A.B.C. is a family-friendly brewery, home to live music and the best beers in the area – some of which come in cans and can be taken to-go! They always keep experimental beers on tap and have an on-site restaurant where guests can get a quick meal to go with their growler.

Hofbräuhaus Newport: The first authentic Hofbräuhaus in America, this traditionally decorated brewery follows all the same codes and standards necessary in Munich, Germany, across their entire selection of craft beers. They host two Oktoberfest celebrations and other social get-togethers, which can be found on their website.

Wooden Cask Brewing Company: This cheeky destination has two locations (including the original taproom at 629 York St., Newport, Kentucky!) and offers 10 different craft beers on tap, a guest cider, and menu offerings for those looking to enjoy a meal.

5. Explore Fine Art Throughout the Region

Only 13 American cities are home to all five forms of art: Ballet, opera, fine art museums, symphony, and theater – all of which can be found in Cincinnati.

Whether you’re an art buff or simply just looking for a way to spend a sunny Saturday afternoon, you’ll want to check out some of the fascinating museum collections that reside nearby:

The Cincinnati Art Museum: Over 65,000 pieces of art are housed in this 140+-year-old museum, which is the oldest in Cincinnati. It continuously hosts several national/international traveling exhibitions each year, and is open Tuesday through Sunday from 11am to 5pm.

Contemporary Arts Center: If you’re interested in more modern, free-flowing forms of art, you’ll want to check out this arts center that’s been in the works since 1939. Late night performances are held Wednesday through Saturday, and rotating exhibitions spotlight old and new cultures through expressionism, ecology, photography, and more.

American Legacy Tours: Experience a side of Cincinnati you never knew existed with walking tours that run day and night. Discover hidden caverns, explore tunnels that were used to build the city’s brewing heritage, or wander through the underground passages of Over-the-Rhine, a neighborhood with the densest collection of 19th century buildings in America.

Whatever You’re Looking for Is Right Around the Bend

With temperatures rising, there are so many summer-exclusive events going on in the area, you’ll never have to do the same thing twice. Check out the historic and biblical Ark Encounter, or see a major league baseball game with the Cincinnati Reds at The Great American Ballpark. No matter what you’re interested in, Northern Kentucky and Cincinnati have you covered.

 

 

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Ready to learn more about The Ormsby and how we can support your next steps in helping create a fulfilling, yet relaxing retirement experience? Contact us today.

If you are nearing retirement and beginning to plan, or already in retirement but evaluating your current situation, congratulations to you for being a planner. Just by deciding to plan, you’re already taking a valuable first step to living a fulfilling and enjoyable retirement. After all, these are supposed to be the best years of your life – you deserve an opportunity to make the most of your experience.

As you do your research, you will come across different retirement living options to choose from. We’d like to help make these options a little clearer for you. Follow along as we break down some things you need to know about the different types of retirement living options, including:

  • Aging in Place
  • Single Service Rental Retirement Communities
  • 55+ Active Adult Communities
  • Life Plan Communities (a.k.a. CCRCs)

Aging in Place

This sort of retirement lifestyle is one of the most common, simply because it requires little-to-no effort, as you remain living in your current home.

Some Advantages:

  • Familiarity: Any routines you’ve built or friendships with neighbors remain intact, and you don’t have to worry about moving somewhere else and meeting new people.
  • Avoid moving costs (both financially and emotionally): You get to keep the memories you’ve built in your current home while also foregoing any costs that might come with a move. This includes things like packing boxes, paying a moving crew, renting a truck, and any other arrangements you might have to make.

Some Disadvantages:

  • No skilled help if health issues arise: We all inevitably reach an age where having another set of hands around the house goes a long way. And while our kids may offer to help, it may not be a sustainable solution. Plus, paying for at-home skilled care can become expensive over time.
  • The maintenance of home ownership: Being a homeowner comes with an extensive list of chores: cleaning gutters, shoveling the driveway, lawn care, leaky ceilings, or flooding basements, to name a few. Hiring help can add up quickly, and handling yourself becomes more difficult as you age.
  • Feeling lonely/lack of a social life: As friends move away to be closer to their children, move to retirement communities, or sadly, pass away, your social life becomes less of a priority. Over time, many retirees find themselves feeling isolated, which has shown a significant correlation to the development of memory-loss related diseases.

Single Service Rental Retirement Communities

Commonly referred to as “free-standing” communities, this is one of the more popular rental retirement living options on the market. However, because these types of communities are broken down into subsets (independent living, assisted living, skilled nursing, etc.), each with their own positives and negatives, we’ll focus on the overall benefits and downsides:

The Main Advantage: This type of community generally runs under an “a la carte” payment structure. That is, you only pay for what you need. This means you avoid paying for an all-in-one package and, instead, only purchase the services that you deem necessary, often allowing for the opportunity to save a few dollars throughout the year, at least initially.

The Main Disadvantage: Rental communities are exactly as they sound – short-term solutions. Unfortunately for older retirees, that means should any health needs arise, you (or your family) will have no choice but to find a new community that provides the services you need. And, as mentioned earlier, in this setup, you’ll be stuck paying for everything out-of-pocket and at market rate.

Additionally, many of these communities have a long waiting list, often forcing families to find an interim solution.

55+ Active Adult Communities

Residents of these communities can enjoy a neighborhood atmosphere of active adults just like them. Each community comes with some rules around lifestyle choices and security, and in all cases, there is a minimum age requirement to live here.

The Advantages:

  • Hotel-style amenities: In the spirit of fun, most of these communities offer a wide variety of amenities to help you stay active, both physically and socially. This includes things like clubs, fitness/wellness classes, indoor and outdoor gathering areas, and much more.
  • No burdens of maintenance: Residents of active adult communities can often completely avoid the annoyances of home upkeep. Instead, a team of experts handle most interior and exterior issues that arise throughout the year.

The Disadvantages:

  • No higher levels of care available: As we age, we often find ourselves needing an increased amount of care to maintain our day-to-day lives. At your standard active adult community, this sort of care is not readily available and can sometimes require another inconvenient move to another home to receive the level of care required.
  • Rules and Regulations: Most 55+ communities have a lengthy list of rules that residents are required to follow, which can often restrict things like visiting times and lead to fines being imposed on the resident by the HOA within the community.

Life Plan Communities (also known as CCRCs)

Life Plan Communities, or Continuing Care Retirement Communities (CCRCs), offer retirees the full package, covering all stages of retirement living from independent living to skilled nursing care. From healthcare benefits to financial advantages, there’s a lot to like about this style of community:

Amenities and Services

Life Plan Communities are well-known for offering a diverse range of amenities and services that are included in your monthly fees. Here’s some of the more common ones you’ll find at most Life Plan Communities:

  • Home and outdoor maintenance
  • Multiple on-campus dining venues and rotating menu options
  • Outdoor shared areas
  • A modern and fully equipped fitness center
  • A heated swimming pool and spa
  • On-campus activities including clubs, committees, and educational opportunities
  • Transportation services

Health Benefits

The advantages of having a community that offers multiple levels of care as you age are invaluable. Here is a breakdown of what that looks like:

  • Independent Living: While many do not consider this a level of care, there are a wealth of health benefits associated with living at a CCRC when you don’t have health needs. Most CCRC’s offer a wide range of on- and off-campus activities, social opportunities, healthy dining options and more to keep you healthy and independent.
  • Assisted Living: With a focus on supporting and advocating for the autonomy of each resident, Assisted Living staff are also there to serve as an extension of the resident and their family members, especially if daily activities become challenging and assist with both non-medical and medical needs.
  • Skilled Nursing/Rehab: Residents recovering from an injury, surgery, or severe illness can trust in the care of a 24-hour skilled nursing and rehabilitation team. This usually includes a staff of on-campus RNs, LPNs, and other certified medical providers who are there to offer physical and speech-related therapies.
  • Memory Care: For residents who show signs of cognitive, or memory impairment related to dementia or Alzheimer’s, this segment of care deploys the latest in therapies and medical protocols and gives a sense of dignity to the resident and peace of mind to their family.

Financial Benefits

Most Life Plan Community residents typically end up saving money over time once all aspects of living are accounted for – even if they seem costly on paper at first. Here’s some financial advantages to consider:

  • Refundable Entrance Fee: Most Life Plan Communities offer some type of refundable entrance fee, so residents can rest assured that a substantial portion of their deposit will be returned to them or their estate.
  • Predictable Monthly Fees: Unlike living at home where a bad pipe or leaky roof can cause unexpected monthly expenses, maintenance and upkeep costs are included in your monthly fee, making them predictable and therefore more easily managed. These monthly fees include everything from rent to your dining plan, access to amenities, and more.
  • Tax Advantages: Most states offer tax deductions for living in Life Plan Communities, with many even allowing residents to deduct a portion of their fees. Speak to a tax advisor for more information on your specific situation.

 

If you’re already researching retirement options, look at The Ormsby, a Life Plan Community coming to Northern Kentucky. For more information, please contact us through our website, or by calling us at 1-859-331-1490.

When it comes to retirement, freedom is everything. For many, that freedom is the reason why we retire in the first place: an opportunity to spend more time with the people we love, in the places we love, doing the things we love.

Unfortunately, though, for many “snowbirds”, visiting those places and leaving behind their primary home involves a lot of planning, which causes headaches along the way. Figuring out which friend, neighbor, or family member can check in on your place, and when, as well as scheduling any home upkeep – trying to put it all together can make your trip feel like a hassle rather than the getaway that it’s supposed to be.

However, with the rise of Continuing Care Retirement Communities (otherwise known as a CCRC or Life Plan Community), older adults now have a come-and-go option that relieves them of home ownership duties while also offering a number of lifestyle benefits as well.

Let’s walk through some of the reasons why settling at a CCRC is a great fit for traveling retirees:

The Lock and Leave Lifestyle

As you can probably gather from the name, a lock and leave lifestyle indicates when someone has a primary home that can be left behind for days, weeks, or even months without the usual worries that come with going out of town for an extended period. For those who prefer to live a more nomadic retirement lifestyle, that means avoiding things like frozen pipes, mail collection, overgrown grass, clogged gutters – you name it.

At a CCRC, home maintenance is included when you move in. That means whether you’re right here at home, away for the holidays, or exploring the coastal beaches with some friends, the normal upkeep that you’d have to account for is taken care of by a team of housekeepers and maintenance professionals. No more worrying about shoveling the driveway and sidewalk or wondering if you locked all the doors. Instead, you’ll have the assurance of 24/7 enhanced security and peace of mind as you’re out living life the way it was meant to be lived.

In fact, that’s one of the many added securities that come with moving to a CCRC; instead of worrying about the unknowns, including the future and the health burdens that may arise, residents are able to sleep soundly knowing that there is already a plan in place to protect them.

The Amenities and Services

Once you return from your adventures on the road, there’s a vibrant lifestyle waiting for you at home. That, of course, is thanks to the wide array of amenities and services that are available throughout the day, every day, at a Life Plan Community.

While amenities range from community to community, here’s some of what you can expect:

  • A modern and fully equipped fitness center
  • A heated swimming pool (often salt water)
  • Multiple on-campus dining venues
  • Group excursions to nearby hotspots, trails, parks, etc.
  • Resident clubs and committees
  • On-campus activities and educational classes/opportunities
  • Community-sponsored transportation

And that’s normally just the start. That’s because most CCRC’s are designed to create an atmosphere that supports the residents to stay healthy by giving them everything they need to have an active, enjoyable retirement. So, while participation is not required, the opportunity to interact with your neighbors, join a yoga class, or host a barbecue right here on campus is always available.

The Financial Benefits

Who wouldn’t want an all-inclusive package for their retirement? For many, CCRCs sound too good to be true and, therefore, expensive. However, there are many financial advantages associated with moving into a CCRC, which is one of the reasons they’re becoming more popular than ever before.

For one, the monthly costs are roughly the same or less than what many pay to live in their current homes. This becomes especially true after you consider the added services, amenities, and home maintenance that’s provided year-round. After factoring in things like homeowners’ insurance, utility bills, property taxes, and home upkeep, most CCRC residents find that they’ll have more cash at the end of the month to do with as they please. That means more money in your pocket to travel, eat out, or even buy that special something you’ve had your eye on.

Plus, you’ll never have to worry about the costs that come with maintaining a home. Things like landscaping, irrigation, security – any exterior home maintenance is handled by the community itself. So, when you leave for the winter, you can do so knowing there’s no additional cost you’ll have to pay to make sure your home is in the same peak condition as it was when you left.

On top of all those saved costs, most states also offer tax advantages to those moving into a CCRC. This can come in the form of deductions on portions of your fees, or on your yearly tax returns. Due to the evolving nature of tax laws, be sure to speak to your tax advisor for details, as they vary from state to state.

The Bottom Line

Whether you’re looking for a retirement destination that offers you freedom, or a secure place to call home even when you’re not there, a Continuing Care Retirement Community has all that you need.

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Ready to learn more about a CCRC like The Ormsby, located here in Northern Kentucky? Contact us today at 1-859-331-1490, or RSVP to one of our upcoming events and learn about what a Priority Membership can do to reserve your place with us.

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