,

Supplementing Retirement Income Seasonally

You’re retired, living seasonally, and enjoying the leisurely life you’ve earned. Your summers are spent fishing, boating, and floating on the Mississippi River at Minnesota’s premier seasonal living facility, Traveler’s Country Club on the Mississippi, and your winters are spent soaking up the sunshine and enjoying the warmth of a Sunbelt state. You’re living the life you’ve worked so hard to achieve and you absolutely love it.

 

Then, you realize that something’s just missing from your daily routine or maybe your retirement fund isn’t getting you as far as you’d planned. Either way, you’ve decided it’s time to find a way to supplement some income, but when you spend half a year in one location and the other half across the country in a different state, finding employment can get tricky. Luckily, in today’s society and with technology what it is, there are plenty of options to supplement income without hindering the seasonal lifestyle you love. Here are a few part-time job options that are perfect for snowbirds:

 

Local Resort Jobs:

First, look to your own seasonal park. There are often paid seasonal positions available. And, whether you work for resorts during the summer months or find a great resort to spend your time at during the high traffic times, like spring break, hospitality jobs are a perfect option for snowbirds. You might find work in any number of capacities, from bartender or gardener to parking valet or room cleaner. Niche opportunities abound. If you love golf, there might be openings in the pro shop or as a groundskeeper. Boaters should check out marinas for odd jobs. Gambling fans can investigate Gulf Coast casinos. Fitness professionals such as massage therapists and Pilates instructors may find seasonal jobs with a resort’s spa operations. Plus, you might be able to secure some seasonal living from the resort if you work there.

 

Pet Services:

This day and age sees many a pampered pooch. People are reluctant to leave Fido home alone all day while they’re at work. Or, maybe the family is going on a summer trip while the kids are out of school; either way, people are looking for dog-sitters. If you’re an animal lover, this is a perfect opportunity to get some time in with man (and woman’s) best friend and keep active. You can set your own hours, pricing, and the things you’re willing to provide. The possibilities are really rather endless, plus, who doesn’t want to get some love from a dachshund puppy!?

 

Online Options:

Were you an industry expert before you retired? Do you have knowledge that’s just bursting to be shared? Finding employment online might be exactly what you need. There are plenty of freelance tutoring opportunities you can choose from. You can become a blogger or freelance writer and spend your time writing about things you’ve learned to love throughout your life. If you have a way with people, you might enjoy finding a customer service job that you can do from your kitchen table. There are plenty of websites out there that are devoted to helping retirees find jobs that they can do from home and, since your computer goes where you go, it doesn’t really matter which state you’re working from.

 

There are plenty of options available if you want to supplement some income after retirement. Whether you find seasonal work, take advantage of your open schedule, or work from home, you’re sure to find something that will line your pockets and fill your time. Just don’t forget to enjoy and relax now and again. After all, you deserve it!

,

Are Snowbirds Healthier?

Cold weather can become harder to endure as we get older. The older we get the less likely it is that we’re out building snowmen and ice castles or sledding down a snowy hill. A slip on the ice is more likely to result in an injury and shoveling snow becomes too taxing. When you live in colder states or Canada the solution to these problems is an easy one for many retirees: seasonal living as snowbirds! There are many health benefits for seasonal living that beg the question: are snowbirds healthier? The short answer is, yes. Here are the ways that seasonal living improves health.

According to a 2010 study, enduring cold weather puts people at a greater risk of heart attack. Older people and those with previous coronary heart disease are more vulnerable to the effects of cold temperatures. Bundling up and cranking up the heat in your home can help but it’s not a long-term solution and it can be costly. Snowbirds live in warmer climates all year round, reducing their risk of weather-related heart issues.

 

As a snowbird, you escape the harsh climate of winter and that helps you avoid the hardships that come with ice and snow. You won’t have to worry about slips and falls on the ice, sketchy driving conditions, or plowing or shoveling. That alone makes for a healthier and more secure lifestyle.

 

 

The snowbird lifestyle also allows for increased recreational activity. For outdoor enthusiasts, it means the opportunity to stay healthier with more physical activity such as golf, tennis, and walking. With beautiful weather comes the ability to get outside and stay active. Warm weather is perfect for swimming and spending the day on the boat or beach. Of course, the health benefits of staying active all year round are tremendous compared to sitting inside during winter weather or, sitting inside due to the hot summers.

 

Becoming a snowbird brings with it a change of pace. You get to enjoy your favorites all year long and you’ll build relationships with the people you meet in each location. A sense of community and belonging is incredibly important and beneficial for mental health. Plus, a life of leisure provides a slower pace and reduces stress that promotes improved mental and physical health.

 

Another health benefit of snow-birding is that your homes in both locations are typically smaller or part of an association that will help take care of maintenance. This reduces stress and alleviates some of the strain and pain associated with yard work and home upkeep. You get the benefit of less responsibility without losing the independence and autonomy you get with owning a home. If you’re an owner at Travelers Country Club on the Mississippi, part of your independence includes the right to live in a community where you have some control over its operation.

 

 

These are all added health benefits that come with being a snowbird. With less risk from cold weather or extreme heat and the reduced stress, it’s easy to see why snowbirds are healthier.

How to Personalize your Seasonal Home

Personalizing and decorating your house might just be the most exciting thing you’ll do in your home. One of the challenges of decorating your home is making it look beautiful, be warm and inviting, and still feel like you. When you only live in your home part-time because you’re splitting the year between locations, you don’t want to spend a lot of time or money decorating. Here are 5 tips to save you time and money when decorating your seasonal home.

 

Picture Frames

There’s really no easier way to turn a house into a home than lining the walls with framed pictures. Whether they’re images of friends and family or just framed pictures that mean something to you, this is an inexpensive way to add a personal touch to your home. Plus, photos are fairly budget-friendly to reproduce so if you really love a picture you can have one in each home.

 

Bookshelves

Books are just something we seem to accumulate as we navigate through life. Whether you’re an avid reader or not, bookshelves can add a cozy element to your home. You certainly don’t need to fill your shelves with first editions or rare collections; even hobby books or books of photography add a dimension. Books make great gifts so chances are you’ve received a few over the years. You can always visit a great second-hand bookstore or a garage sale to find books at a low price. Find books that tell a story about you and then find some that guests may enjoy perusing. In this electronic age, seeing a bookshelf full of actual books is almost a statement art piece.

 

 

Create Color

Add colorful touches around the home in different ways to add a fun spin to your surroundings. If you spend half the year in a Sunbelt state and your summer in Minnesota, you might want to bring some of the colors you see in each place into your home space. The combination of colors and textures will add an eclectic feel that will be uniquely yours. Try colored vases, throw pillows, tapestries, or wall colors. You’ll be able to find fun items at many second-hand stores too.

 

Tell Your Travel Story

You live in two locations or maybe you travel half the year and spend your summer at home, either way, you’ve been places and seen things; use that to decorate! Maybe you have shot glasses from every place you’ve been, or you found some beautiful art on your travels, fill your space with mementos! They’re conversation starters when you have guests and it’ll bring a smile to your face when you walk past the porcelain elephant you lugged across the country with you.

 

Area Rugs

Add layers to your décor with area rugs. They definitely give the space a homey feel and you can decorate around them. Try different rugs of varying size and use more than one in each room. Rugs bring all the elements in the room together.

 

Things to Avoid:

  • House plants—when your time is divided between two locations it’s unlikely the plants will survive your absence and they’re tricky to travel with if you’re trying to bring a plant with you to both places.
  • Big Renovations—again, when your time is divided you may not want to spend half (or more) of your summer taking on huge renovation projects. Small updates are often more manageable.
  • Large Décor Pieces—chances are your seasonal home is going to be a little modest in size because you’re either renting or you own another house somewhere else. Don’t clutter the space with huge decorations and giant pieces of furniture.

Affordable Seasonal Living in Minnesota

 

Choosing a house to make into your home can be a stressful process. When you’re trying to find affordable seasonal living, it adds another element altogether. The endless opportunities for water recreation, affordable housing, and the beautiful spring, summer and early fall that you expect and love from the Midwest is why Minnesota is the perfect place for seasonal living. Still not convinced? Here are some great things about Minnesota and why it’s the best place for affordable seasonal living.

 

Water Recreation

Whether you’re floating on the Mississippi River or boating/fishing on any of the many lakes, Minnesota has plenty to offer in the way of water recreation. Enjoy a day in the sun with swimming or catching that night’s supper with some great fishing. You’ll catch plenty of smallmouth bass, walleye, and northern pike. You’ll catch more than fish as you enjoy sunning on the water so pack some sunscreen! Minnesota is known for its beautiful watery landscapes. You can also enjoy the beauty of the nature around you with hikes along the shoreline. Hit some bike trails then cool down with a swim—there’s so much to do here you’ll wish the summers were longer! You’ll fall in love with Minnesota summers and the summers will love you right back!

 

Affordable Seasonal Living

With a relatively low cost of living and a high median household income, Minnesota is a great place to call home—even if it’s just for part of the year. With the abundance of waterfront properties, Minnesota is also a great place for seasonal living. Many seasonal living facilities have extra amenities that are included in your association fees so, even if you don’t want to go out on a lake or the river, you’ll have plenty of activities to keep you busy! Traveler’s Country Club on the Mississippi has a 9 hole executive golf course, Pickleball, heated swimming pool, among many other activities, that’s free to residents.  As a result, you don’t have to spend extra money to do a lot of fun things. Minnesota’s strength in terms of low cost of living and affordability, low poverty rates, and high education really prove that it’s the best place to live—seasonally or otherwise.

 

Minnesota Magic

Whether you’ve lived in Minnesota all your life or you’re new to the state, most everyone can agree that there’s something magical about living here. Minnesota is a place to grow up and grow old. Part of what makes it so special is the people and way of life. We enjoy rural living here but we also have culture in the Twin Cities. You’ll be hard-pressed to find a friendlier atmosphere; imagine actually liking and becoming friends with your next door neighbor!? That’s not so strange in Minnesota.

 

If you’re looking for the peace you’ll find in nature, plenty of fun water activities, affordability, and great people, Minnesota is exactly what you need. You may come for seasonal living but you’ll never want to leave!

Minnesota Snowbirds: Places to go and Things to See

Minnesota: the Land of 10,000 Lakes. As snowbirds settling back for the Minnesota summer, you’re ready for some outdoor adventures that only Minnesota has to offer!  In summer, it’s not as hard as you’d think to take a fun trip when you’re on a budget either. Many of the great travel experiences in Minnesota can’t be bought anyway — hiking amid old-growth white pines, paddling through bluff country, listening to loons in the Boundary Waters. Here’s a list with a few of Minnesota’s summer hotspots that might pique your interest as you settle back in for the summer. Whether you’re interested in the busy city life or a slower pace, Minnesota has it all. We’ll start in the metro area and head north with this list. Buckle up and enjoy the ride!

 

U.S Bank Stadium:

Home of the Minnesota Vikings, this stadium was just completed in 2016. This stadium isn’t simply a location; it’s an epicenter of excitement and experiences. But the stadium is not just the home of the Minnesota Vikings, it’s a facility that will host major national and international events that create economical, fiscal, and social benefits to the region. There’s always something to do at the U.S Bank Stadium!

 

 

 

Museum Central:

If sports aren’t your cup of tea, the Twin Cities Metro area is packed with museums. Check out the Science Museum of Minnesota, Minneapolis Institute of Art, Walker Art Center, Children’s Museum, or either of the zoos: Minnesota Zoo or The Como Zoo.

 

Continuing north to St. Cloud, Minnesota, you have to check out Munsinger Gardens:

These gardens are St. Cloud’s pride and joy and a must-see along your northern adventure. The site was originally a sawmill. In 1915 the city purchased the area to use as a neighborhood park. Located along the Mississippi River, visitors to Munsinger Gardens can enjoy the peace and tranquility of this garden. The garden takes advantage of its shady location by featuring mainly shade loving plants; including a wide variety of Hostas and ferns. Visitors can also enjoy the many geese and ducks that have made the garden their spring and summer home.

Named after a former superintendent of parks, Munsinger Gardens continues to be a jewel of the city.

 

Brainerd, Minnesota:

The Brainerd Lakes Area – Explore It. Live It. Whether you are looking for a Minnesota adventure or for relaxation, you will discover endless options year-round in the Brainerd lakes country. World-class golfing, fishing and boating, biking, snowmobiling, shopping – even bird watching or kayaking – are just some of the reasons people choose to visit the Brainerd Lakes Area.

 

Duluth, Minnesota:

Duluth has it all: museums, water sports, nature walks, culture, the North Shore, and history. As a major port city, Duluth is a place like no other. It has an endless horizon where the largest freshwater lake in the world meets the sky. Enjoy the rocky cliffs and pristine forests where you’ll find miles of trails to explore. Duluth is a thriving community where you can take in a show, explore nature, enjoy a meal and stay in comfort no matter where your plans take you.

 

Regardless of what your Minnesota summer looks like, you’ll have no shortage of excitement! Whether you’re looking for some city action or to get in touch with nature, Minnesota has what you’re looking for! If you call Minnesota home or if you’re just visiting, you’ll fall in love with what we have to offer! Welcome to Minnesota Nice!

From Fairway to Fair Game: A Solution to Minnesota Golf Course Closings

Golf enthusiasts around Minnesota are finding it harder and harder to fuel their love of the game as golf courses around the state shut down. As we transition into, and become acclimated in, the age of technology, are the youth of America enjoying golf games on their preferred mobile devices instead of getting out on the green? Whatever the trend, popularity of the game is dwindling and causing many golf courses around the country to shut down; Minnesota is no exception.

 

Having hosted 3 PGA tours and 17 U.S Golf Association Championships over the years, Minnesota has a history rich in golf. In fact, more people play golf in Minnesota per capita than any other state in the union. Approximately one resident of every five in the Gopher state hits the green each year. Given golf’s popularity in Minnesota, the fact that so many courses are forced to shut down should speak volumes.

Fairways are turning into front yards in the Twin Cities Metro area. In 2017, the region traded in 900 acres of golf course for housing developments. In less than 20 years, Minnesota has closed the doors on nearly 70 golf courses, some of which originated in the early part of the 1900s. With fewer golfers, it’s becoming increasingly difficult to justify keeping golf course land allotted for golfing. Many city officials wonder if golf courses should get turned over to the private sector.

For busy Americans, it might also be getting more difficult to carve out three or four hours to play 18 holes. There’s probably some natural ebb and flow in the sport’s popularity, similar to what tennis, skiing, and racquetball experienced. In this day and age, we’re seeing a different set of priorities and interests. And, Millennials don’t seem as interested in playing golf as their baby-boomer parents either.

In Minnesota, there’s another major factor: weather. A good weather year with warm spring temperatures can be a boon for a golf course. On the flip side, a rainout weekend can be devastating.

 

Solution:

Whatever the reasoning, if you’re a golf lover in Minnesota, you don’t have to mourn the loss of your golf course quite yet. In fact, you can play for FREE as a member of Travelers Country Club on the Mississippi, conveniently located at the bend of the river in Clear Lake, Minnesota. There are still many golf courses available for your scheduled tee-time.

Setting Up Your Summer Home

 

 

The melting snow and the familiar yet welcome sounds of chirping birds can only mean one thing: summer is on its way! The birds are back and it’s time for the snowbirds to return as well. Yes, we do have summer in Minnesota and it’s time to start thinking about setting up your summer home. There’s a lot of prepping that goes into setting up your summer home, but the good news is that it’s (mostly) FUN prepping!

 

 

Home Prepping

Preparing your summer home when you arrive is a fairly simple process once you compile a list of things you need to accomplish. Sometimes it’s things you wouldn’t have even thought of.

  • Make sure you’ve updated any home security measures you have in place.
    • Check the locks on your doors and windows to ensure they haven’t rusted or damaged over the winter months.
    • If you have a home security system, make sure it’s up-to-date and that you have the codes you need.
  • Double check all of your first aid kits and emergency supplies.
    • Summer storms can be intense so flashlights and batteries are important.
    • Restock first aid kits if anything is expired or running low.
  • Prepare for pest control.
    • The summer heat creates the perfect conditions for cockroaches, ants, bees, and other household pests. Protect your windows, doors, and foundation from invasive bug entry.
  • Consider how you’ll clean when you arrive.
    • You may need to buy new cleaning products or replenish what you already have.
    • Open your windows! The warm weather lends itself beautifully to air out that musty winter smell from your home.
    • Do you need to buy new bedding or did you store your summer bedding in the house? If it was stored over the winter you’ll probably need to wash it.
  • Plan for some outdoor cleanup.
    • Your gutters and downspouts may need to be cleaned. Leaf and debris clogged gutters can lead to leaks and damage from summer storms.
    • Yard maintenance may be something you need to consider depending on where you’re living.

Now that you’ve done the home prepping and you’re settling in, it’s time to consider the scheduling factors to setting up your summer home.

 

Schedule Prepping

Since you’re home for the summer your friends and family will be excited to spend as much time with you as possible. Preparing your schedule in advance will help with the chaos associated with houseguests.

  • Prepare for houseguests.
    • Set up spare bedrooms and bathrooms.
    • Restock your fridge and cupboards.
  • Do some entertaining!
    • Plan your guest arrivals with events around town.
  • Summer home community events
    • If you live at a summer home community you and your guests will never be bored. The abundance of things to do might actually need to be planned ahead of time.
    • Clearing your schedule or planning around events and guests is a good idea. This will allow you to plan which events and activities you want to attend.

 

After all of that planning and prepping you’re ready for summer! Setting up your summer home is basically another element of settling in. You’re home again. Enjoy the weather with your family and friends from the comfort of your summer home.

The Benefits of Living on a Golf Course

It’s tee-time! Living on a golf course sounds like a dream come true and, for a lot of people, it is. There are a lot of benefits to living in a golf course community and, for the right people, it really is a perfect place to call home.

So, what are the benefits to living on a golf course? We’re glad you asked! Here are the top four (because who doesn’t like a golf pun?) reasons why living on a golf course is a great decision:

  1. Get a Look at that View!—you’ll never tire of the beautiful landscapes if you live on a golf course. Golf course views aren’t the only sights you’ll enjoy either. In addition to the manicured beauty of the golf course itself, often, there are gardens and other natural landscapes to observe. A river or lake view is just an added bonus you’ll likely find.

2. Amenities—as you settle into the golf course lifestyle, you’ll notice there’s rarely a lull in the action. The amenities and activities available go beyond golf. Pools, tennis courts, community halls, and parks are just some of the added amenities you’ll find living on a golf course. As an additional perk, you’ll find a sense of fellowship. Many of the people living in a golf course community are retired or, at the very least, like-minded. They all chose to live on a golf course for many of the same reasons and you’ll find lasting relationships.

3. Maintenance free—as previously stated, the landscaping and views are flawless. That will cross-over into your own properties. Association fees will take care of lawn maintenance. The consistency of maintenance to your home and your neighbors’ homes ensures that everyone’s yards look great. Also, you’ll rest easier knowing your safety and comfort are taken care of.

 

4. FOUR!—The best reason to live on a golf course is the unlimited amount of golfing you’ll do! You can turn you favorite hobby into a lifestyle and that’s not something many people can boast about. The golf course is never far away so all you have to do is grab your clubs and hit the green.

 

Whether you’re an avid golfer or just someone who enjoys a relaxing and comfortable lifestyle, golf course living has it all. The benefits of living on a golf course are as satisfying as a hole in one. Welcome home.

Benefits of a Minnesota summer here at TCCOM

In the great state of Minnesota, we are home to 10,000 lakes (actually 11,000 for those of you keeping track), the biggest mall in America, an amazing state fair, we are considered one of the best states to work in as we are home to 19 fortune 500 companies, and of course we have the great Mississippi River. That was just a short summary of all the great things this state has to offer, but what about all the great things you can find at TCCOM? The winter has worn off, so get ready to embrace all of the benefits of a great Minnesota summer at TCCOM.

Water is a huge part of our lives as Minnesotans and there is no shortage of water activities here. The Mississippi River runs right through our backyard. Fishing anyone? You can catch walleye, bass, northern pike, and pan fish out of your boat. You can also walk the banks of the sand bar, take a little dip into the water to cool off, or take a little adventure in a canoe or kayak. The water fun doesn’t stop with just the river, you can run on over and cannonball into our outdoor swimming pool. The pool is the perfect place to plunk yourself on one of those 90 degrees’ summer days. Whether you’re 9 months or 90 years old you will enjoy the pool.

Take advantage of all the green summer brings and hit the 9-hole golf course. Multiple tournaments are put on each summer here. A great benefit is that golf is free for members at TCCOM. In addition to a golf course, TCCOM has pickle ball, basketball, and tennis courts. If that wasn’t enough to keep you busy, you could also play some bocce ball. Minnesota weather can be so unpredictable all year round, which is great for a good conversation starter, but for those rainy days we have quilting and crafts to do as well.

End the day sitting around the campfire. Throw a hotdog or s’more on for supper and desert and call it a perfect day. We are lucky to live in such a great state and be surrounded by such great people. With the summer season approaching, there is no shortage of benefits that TCCOM has to offer.

How to Become a Snowbird before the Age of Retirement

“Winter Weather Advisory,” “Snow Expected,” “Winter Storm Watch,” “Snow Emergency”—if you’re from Minnesota, you’ve seen these types of notifications on your mobile device as you prepare for the work day. We live in an area on the globe that isn’t great for people who’ve gotten tired of the snow and below freezing temperatures. A great option is to become a snowbird. However, many don’t think they can do that before retirement. In reality, it is possible. There are a number of things to consider when deciding to become a snowbird; relocating is just the tip of the iceberg. The main concerns with becoming a snowbird are usually associated with finances and housing.

Finances

If you’re looking to become a snowbird before the age of retirement, finances and the workforce are going to be concerns of yours. The financial apprehensions surrounding heading south for the winter can be concerning for people considering this lifestyle. Obviously, changing locations halfway through the year is going to affect your income but, there are ways to prepare for that challenge. If your career choice allows you the ability to work from home, this is an ideal option for snowbirds looking to fly south. The freedom of working from home allows you to take your work with you when you go. This means there’s no interruption to your cash flow. Telecommuting or working remotely at your current job might be an option as well. It can’t hurt to check with your boss!

 

If working from home isn’t an option, having two seasonal jobs could work for you. Often, working in a retail setting allows you the freedom to work seasonally. Those types of jobs are always hiring and the winter months mean peak holiday shopping, even in warmer climates!

 

Another option is checking into working at a resort in one of the Sunbelt states you’re considering migrating to! Many times, people working at the resort will get discounted rates. This could solve the housing issues of becoming a snowbird too!

In addition, you don’t have to start out as a “full-time” snowbird. Just dip your toe in and get away for a month during the winter as a starting point. This will allow you to try the lifestyle out before you decide whether or not to make the change permanent.

Housing

Another issue associated with living in two locations is the actual living situation. There are a few options that could work if you’re not at that retirement age. One option is renting in both locations. Many apartment complexes have leasing options that include shorter-term living.

 

If you already own a home, renting it out while you’re gone could be a good option. Airbnb is another great choice if your home can be marketed as a vacation destination. Believe it or not, some people want to travel to the cold and your empty home could be a nice spot. This is especially good if you have family in the area that can look after and clean up the house between guests. This will provide additional income while you’re away and will supplement income if you end up renting a spot in the warmer location—not to mention the business tax deductions you could take.

However you decide to do it, if you take care of financing and housing, becoming a snowbird before the age of retirement doesn’t seem like such a daunting feat. It can be a great option for people suffering from seasonal depression or those who just hate the cold. If you plan correctly, it is absolutely possible to become a snowbird before the age of 65 in preparation for your final retirement.