We all have certain fears about traveling. One of the main concerns is what will happen if a bag is lost or you have to cancel the trip at the last minute. Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like a last-minute trip cancellation or a medical emergency overseas. It’s easy to understand why travel insurance is a good idea, but the logistics of choosing a plan can be trickier to navigate than the new locations you’re traveling to. To help you make sense of travel insurance, here are a few tips you should consider:

 

Travel insurance can be categorized into two broad categories: trip cancellation and medical insurance. There are, of course, different add-ons or packages in each category, but understanding those two basic ideas should prove helpful.

 

Trip Cancellation Insurance covers any added expense that may come up while traveling. For instance:

  • Actual cancellation of your trip—if something comes up last minute and you need to cancel, you’ll be covered.
  • Trip interruption—should you need to return early, those expenses are covered.
  • Baggage—various policies cover things like lost or damaged luggage or property.
  • Other—there may be other benefits like travel delay, ID theft protection, or car rental coverage, but these vary among policies.

 

 

 

 

 

 

 

 

 

 

Travel Medical Insurance:

This option is recommended for people traveling for an extended period of time. This is a great idea for snowbirds who travel seasonally in different countries. There may be restrictions with a primary insurance when overseas and travel medical insurance can help with those costs. Some policies will include emergency medical evacuation or transportation should that become necessary.

 

Wherever you’re traveling and for however long, it’s never a bad idea to find out more about travel insurance. It could just end up saving you a lot of time, money, and stress in the long-run.

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!

“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.

Spending the colder months somewhere sunny and warm and staying in Minnesota during our beautiful summers makes for a fantastic retirement. Most people think it’s only for the wealthy, but think again. There are ways to live this life in retirement without emptying your savings. Here we’ll go over some ways to be a snowbird while being smart with your money.

Do the homework when making your budget. With such a large selection of locations to choose from, make a list of the areas you can afford to live in and create a rough budget to start with. Know exactly how much you have and how much you can afford to spend each week and month. This’ll help you focus on the options you can afford and eliminate those that are out of your price range.

After choosing your ideal location, first step to saving money as a snowbird is deciding how to get there. Do you drive your car or fly? This depends on how far you’re traveling, how many are traveling, and if you wish to drive your car when there. Do some cost-analysis and figure out how much each option would cost. If you want your car while there and it’s only a few days away, consider swapping drivers on the way. This way you can stay on the road to avoid costly hotel expenses. If you don’t wish to drive while there, look at plane costs. We advise you look at least 6 months in advance to get the best deals, greatly reducing costs right from the start. Take some time and do the research to figure out what’d be the best option for you.

Perform research on your healthcare. By knowing exactly what plan you have and what’s included with it, you’ll have a better understanding of what you can receive at each location and what’ll differ, if it does. This’ll help avoid any surprises in costs that could become obstacles to overcome. You’ll want to know about these and be ready for how much you’d need to spend out of pocket if need be.

With so many ways to live the snowbird life on a budget, it always comes down to the research. Research, know, and plan on what you’ll be expected to pay and how you’ll live your day to day life. Once you know where you want to live and how to afford it, everything will fall into place.

If you’d like to see how Travelers Country Club on the Mississippi could fit into your retirement plans, just give us a call at: 320-743-3133, email us at: tccomoffice@gmail.com, or check out our website at: www.travelerscconmiss.com.