Visiting Angels April 2018

Don’t Miss Out on the Benefits of Pets

We tend to picture energetic dogs and cats thriving in young families with children, but animals are often happy to live with older, less active

friends offer can alleviate depression or loneliness. Linda Anderson, founder of the Angel Animals Network in Minneapolis, says, “Older pet owners have often told us how incredibly barren and lonely their lives were without their pet’s companionship, even when there were some downsides to owning an active pet.” Caring for a pet takes work, but for many people, the benefits greatly outweigh the challenges. An energetic dog encourages you to leave the house and go for walks, a talkative parrot makes time spent alone less lonely, and a soft cat curled up on your lap helps alleviate a stressful day. If you can’t have a pet in your home due to lease restrictions or mobility challenges, you don’t have to miss out on the benefits of being around animals. Consider volunteering at a local animal shelter. You can help care for cats, dogs, and other animals while they wait for their own forever home. There are thousands of pets in shelters across the country waiting for someone to care for them. If there’s room in your retirement plan, why not invite one into your home? You might discover both you and your new friend have something to gain.

adults. These kinds of homes are especially suited to older animals that might otherwise have

to spend their last days in the pound. Depending on your schedule and mobility, you might not want to adopt a large dog. But small lap dogs, cuddly cats, and even birds can make a great addition to your home. As long as you do not suffer from allergies, having a pet can be great for your health. The American Heart Association says pet ownership, particularly dog ownership, may be linked to a reduced risk of cardiovascular disease. Researchers found evidence to support this claim when they discovered that registered dog owners in Sweden had lower rates of cardiovascular disease and a lower risk of death than individuals without dogs.

Physical fitness is far from the only benefit of pet ownership. The love and companionship our animal

Financial Technology for the Golden Generation

Like most stereotypes, describing baby boomers as “tech illiterate” doesn’t tell the full story. Bill Gates is a baby boomer, after all. While not everyone in the “golden generation” is on Facebook, that doesn’t mean they can’t use technology. These three mobile apps are perfect for tech-savvy boomers looking to achieve their financial goals. ACORNS Acorns is the best way to make your spare change work for you. Every time you use your debit or credit card, Acorns will round up the spare change of that purchase to the next dollar and then invest it. Take that $2.30 cup of coffee from this morning, for example. This app rounds that transaction to $3.00, places the $0.70 extra into a fund, and invests it. This strategy, called “microinvesting,” may not seem like much, but remember that a mighty oak tree starts as an acorn! ROBINHOOD For many Americans, investing is either too intimidating or just downright costly. And no matter how well your portfolio does, you always lose a chunk of earnings to fees and commissions.

Robinhood is an app that removes all fees associated with stock trading and gives you free rein to buy and sell as you please. With seamless money transfers, Robinhood is a great way to build a large portfolio. It can even function as a small invested savings account. While it used to take weeks to transfer money by Western Union’s horse-drawn carriages, it now takes seconds with Venmo. This app gives you the ability to send money to friends and family via your phone. With a user-friendly interface, it’s VENMO

quick and easy to set up an account and link bank accounts or credit cards. Once you’re up and running, sending money is as simple as pressing a button. If you’re intimidated by learning how to use mobile apps, connect with a family member or friend. All of these apps are designed to be intuitive and easy to learn, so with a little time and practice, you can be savvy technologically and financially!

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