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	<title>Retirement 101 &#187; Miscellaneous</title>
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	<link>http://www.retirement101.info</link>
	<description>Making the most of the rest of your life</description>
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		<title>The Cost of Cremation Compared to a Funeral</title>
		<link>http://www.retirement101.info/misc/the-cost-of-cremation-compared-to-a-funeral/</link>
		<comments>http://www.retirement101.info/misc/the-cost-of-cremation-compared-to-a-funeral/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 14:13:07 +0000</pubDate>
		<dc:creator>Guest Poster</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[burial]]></category>
		<category><![CDATA[cremation]]></category>
		<category><![CDATA[funeral]]></category>

		<guid isPermaLink="false">http://www.retirement101.info/?p=468</guid>
		<description><![CDATA[<p>The cost of cremation is one of the reasons that the cremation process has become more widely used in recent years. For example, in Minnesota, cremation has more than doubled in the last 20 years, growing from 18.6% in 1992 to over 46% in 2009.</p> <p>Some of the reasons that it is less expensive <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.retirement101.info/misc/the-cost-of-cremation-compared-to-a-funeral/">The Cost of Cremation Compared to a Funeral</a></span>]]></description>
			<content:encoded><![CDATA[<p>The cost of <a href="http://preparingtodie.com/cremation/">cremation</a> is one of the reasons that the cremation process has become more widely used in recent years. For example, in Minnesota, cremation has more than doubled in the last 20 years, growing from 18.6% in 1992 to over 46% in 2009.</p>
<p>Some of the reasons that it is less expensive are simple to explain. Many of the people that have the body cremated are looking for a simpler form of burial service. If you work directly with the crematorium, it is more likely to be less expensive than if you are working with a funeral home.</p>
<p>If you do not have the body buried, you will not have to pay for the cost of a much more expensive casket, burial service, and the land used in the cemetery for burial. You will most likely still need to have a container for the cremation itself, but depending on state laws, it can be as simple as a corrugated box, costing as little as $95. Caskets used for burial can range up to $35,000.</p>
<p>Even if you do opt to have the ashes buried, a plot at the columbarium, an area used for burial of remains from cremation, will be much smaller and less expensive.</p>
<p>Many people decide to keep the ashes in an urn after cremation or to scatter the ashes in a special place. A temporary urn, consisting of a plastic box with a clasp, or something similar, is usually provided to the family after cremation from the crematorium. If you want something more permanent to store the ashes in for the family, an urn can cost as little as $65 or as much as $1500 if you want to spend that much.</p>
<p>Another cost associated with the traditional burial that can be avoided is the cost of embalming the body, which can usually run from $700 to $1000. Even if the body is to be viewed before cremation, embalming can be replaced by refrigeration storage.</p>
<p>Many state laws governing the cremation process have been enacted to protect the consumer. It is helpful to <a href="http://preparingtodie.com/">familiarize yourself</a> with the laws in your state and to write down your wishes ahead of time for your family. Much of the cost associated with the funeral process itself can be avoided if decisions are not being made at a time of great stress and have already been made by the family members ahead of time.</p>
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		<item>
		<title>Best Places to Find Portable Electric Heaters</title>
		<link>http://www.retirement101.info/misc/best-places-to-find-portable-electric-heaters/</link>
		<comments>http://www.retirement101.info/misc/best-places-to-find-portable-electric-heaters/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 15:04:07 +0000</pubDate>
		<dc:creator>Guest Poster</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Ceramic Heaters]]></category>
		<category><![CDATA[electric heaters]]></category>
		<category><![CDATA[heater]]></category>
		<category><![CDATA[heaters]]></category>
		<category><![CDATA[Portable ceramic Heaters]]></category>
		<category><![CDATA[portable electric heaters]]></category>
		<category><![CDATA[water heaters]]></category>

		<guid isPermaLink="false">http://www.retirement101.info/?p=333</guid>
		<description><![CDATA[<p>Portable electric heaters are used to heat rooms and other structures. Portable electric heaters are a great asset to beat the biting cold. The two primary categories that most of the portable electric heaters can be classified under are convection and radiant heaters.</p> <p>Convection portable electric heaters spread the heat into the air to <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.retirement101.info/misc/best-places-to-find-portable-electric-heaters/">Best Places to Find Portable Electric Heaters</a></span>]]></description>
			<content:encoded><![CDATA[<p>Portable electric heaters are used to heat rooms and other structures. Portable electric heaters are a great asset to beat the biting cold. The two primary categories that most of the portable electric heaters can be classified under are convection and radiant heaters.</p>
<p>Convection portable electric heaters spread the heat into the air to warm the room. The convection portable electric heaters take time to heat up the room, but once they reach the desired temperature, they maintain the temperature quite efficiently without having to recycle.</p>
<p>Radiant portable electric heaters use infrared waves to heat the person or object in their path. Radiant heaters can provide immediate heat solution. Radiant heaters are best for a single person and when the heating is required for shorter period of time.<span id="more-333"></span></p>
<p>Fan forced convection heaters are a type of convection heaters and uses a fan to distribute the heat in the air. Consequently they can heat the room quicker and are noisier than other convection heaters. These are very commonly used these days to heat the spaces.</p>
<p>Oil filled heaters are convection heaters that contains oil in their radiator, which is heated. The heated oil in turn heats the radiator leading to the discharge of heat into the air. The oil remains hot for a very long time thus ensuring the warmness in the surroundings for a long time.</p>
<p>Let us have a look at couple of brands of portable electric heaters.</p>
<p>Convection heater-<a href="http://www.amazon.com/gp/product/B000BC2GGS?ie=UTF8&#038;tag=infomaven-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B000BC2GGS">Honeywell HZ519 Digital Silent Comfort Heater</a></p>
<p>This user friendly, 120-volt heater can provide a lot of heat in around 20-30 minutes. The thermostat can be designated the temperature at which it should turn off the heating. A screen on the system displays the temperature. There is another push button to fix the number of hours the heater has to operate, and then it will turn off automatically. It comes with a 5-year warranty. The price of this product has gone up in the recent times.</p>
<p>Radiant heater-Holmes Quartz Tower HQH319-U</p>
<p>Holmes Quartz Tower HQH319-U produces heat once it is turned on. These are used to heat the person or object that is in their path and do not heat the air and hence are not meant to heat the entire room. These are excellent for structures that are not insulated like the workshops, garages, and to heat up space like working area of a desktop.</p>
<p>Many more brands of portable electric heaters are available that once can choose from.</p>
<p>If you want to know more on the Electric Water Heaters <a href="http://hubpages.com/hub/How-To-Select-A-Best-Water-Heater">Click here</a>.</p>
<p>To Get more Information on  Ceramic Heaters <a href="http://hubpages.com/hub/Stay-Warm-with-Ceramic-Heaters-During-Winter">Click here</a>.</p>
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		<item>
		<title>A Few Tips for Making Any Move Easier</title>
		<link>http://www.retirement101.info/misc/a-few-tips-for-making-any-move-easier/</link>
		<comments>http://www.retirement101.info/misc/a-few-tips-for-making-any-move-easier/#comments</comments>
		<pubDate>Thu, 09 Apr 2009 16:40:37 +0000</pubDate>
		<dc:creator>Retirement Guide</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[moving tips]]></category>
		<category><![CDATA[packing tips]]></category>

		<guid isPermaLink="false">http://www.retirement101.info/?p=111</guid>
		<description><![CDATA[<p>Most people do not wish to leave the family home as there are many fond memories tied to the house. It can be hard to see your house sold to someone else. Boomers and seniors who find themselves with too much house often choose to downsize their housing or even move to a completely <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.retirement101.info/misc/a-few-tips-for-making-any-move-easier/">A Few Tips for Making Any Move Easier</a></span>]]></description>
			<content:encoded><![CDATA[<p>Most people do not wish to leave the family home as there are many fond memories tied to the house. It can be hard to see your house sold to someone else. Boomers and seniors who find themselves with too much house often choose to downsize their housing or even move to a completely different state. There are many varied housing options for retirees including: active retirement communities, senior condos or apartments, assisted living facilities, or long-term or community care facilities. Some folks are hesitant to move because they thinks it is complicated, but with a little planning the move can be free of any hassles.<span id="more-111"></span></p>
<p><strong>Letting Go of Stuff</strong><br />
The first step to a hassle free move is deciding what to take and what to leave behind for others or to sell. Most senior housing options provide a much smaller living area than a typical house. You have to downsize stuff along with downsizing space to accomodate stuff. You have to decide what items are the most important, valuable, and useful items. Other things can be sold in a yard sale, given to family members, or donated to charity. Items of sentimental value should never be sold, but given to family and close friends.</p>
<p><strong><img src="http://www.retirement101.info/images/moving-day-preview.jpg" border="0" alt="moving-day" hspace="10" vspace="10" width="134" height="200" align="right" />Packing for a Move</strong><br />
Once you have decided which items to take along, put your name on them as identification. The rest should go into labeled boxes with their final destination clearly visible.</p>
<p>Professional packers can be hired to box up your belongings if you are unable to do it yourself. Some people like to take photos of their things before packing to record their original condition in case of damage in transit. This applies mostly to expensive items or hard to replace items. This can save time and energy and also means the items have insurance cover.</p>
<p>Carrying smaller valuable items like jewelry with you saves money and packing space and also ensures they are not broken or lost.</p>
<p><strong>Hire a Mover</strong><br />
Make sure you choose a reputable and trusted moving company and packing company (sometimes the same company will do both). It is ideal to call around the various companies for a quote. Some companies will match the prices so it doesn&#8217;t hurt to share your existing quotes with a company that you prefer but may be higher priced.</p>
<p>If you are accustomed to moving your own stuff, you may be hesitant to pay for help.You may have to spend a more than you expected but hiring professional packers and movers will minimize the hassles of moving.</p>
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