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THE VILLAGER | FRIDAY, October 27, 2017
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Solo Travel Savings Tips for Retirees Dear Savvy Senior, Can you recommend some good travel companies that offer good deals for single travelers? I’ve taken a couple tours since I retired a few years ago, but the singlesupplement fee really cuts into my budget. Solo Sally Dear Sally, Solo traveling is a growing trend among baby boomers and retirees. Nearly 1-in-4 who travel today, go it alone according to a recent Visa Global Intentions Study. But one of the biggest drawbacks among solo travelers is the single supplemental fee – which is an extra fee charged to single travelers who stay in a double occupancy room alone. To help you avoid this extra charge, more and more travel companies and cruise lines are making adjustments to accommodate the growing solo-traveler market. Here are several to check into. Singles Travel There are a variety of travel companies today that specialize in vacations for solo travelers, including Singles Travel International (SinglesTravelIntl.com) and Singles Travel Getaways (SinglesTravelGetaways.com). Both companies offer tours, cruises and adventures in the U.S. and overseas, and will match you with a roommate to avoid the single supplement, or won’t charge you if a match can’t be arranged. General Tour Operators Some big operators in this category that have lots of solo travelers include Intrepid Travel (IntrepidTravel. com), which handles more than 100,000 travelers each year, sending them to more than 100 countries. And G Adventures (Gadventures.com), which has more than 700 tours around the globe, and offers a variety of travel styles. Both of these companies can pair you with a roommate, and some tours offer your own room option for an additional fee. And for higher-end luxury travel check out Abercrombie & Kent (AbercrombieKent.com), which offers a 50 percent single supplement discount on their select small group solo travel trips and cruises, and Tauck (Tauck.com), which has no single supplement on their European river cruises. 50-Plus Travel If you’re interested in trips designed for adults 50 and older consider ElderTreks (ElderTreks.com), Road Scholar (RoadScholar.org) and Overseas Adventure Travel (OATtravel.com). ElderTreks specializes in exotic adventures worldwide, and will match single travelers with roommates on most of its trips, and doesn’t charge if a match can’t be arranged. Road Scholar specializes in worldwide learning adventures, and has designated trips that offer the same price for solo travelers as for those traveling in pairs. And Overseas Adventure Travel, which operates in Asia, Africa, Europe, South America, the Middle East, Cuba, Australia and New Zealand, has free single supplements on all its land tours and either free or lowcost single supplements on its small-ship adventures.
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Cruise Lines If cruising is your thing, there are a number of cruise lines that have some ships with single-occupancy cabins, including Norwegian Cruise Line (NCL.com), Royal Caribbean (RoyalCaribbean.com) and Vantage Deluxe World Travel’s river ships (VantageTravel.com). Or, consider booking a cruise at SinglesCruise.com, which uses a variety of different cruise lines for their single customers. They provide roommate matching. Solo Women For solo women travelers, there are a host of tour companies and clubs, like GutsyWomenTravel.com, Women-Traveling.com, SerenDipityTraveler.com, TheWomensTravelGroup.com and Womens-Travel-Club. com that will either match you up with a roommate, or reduce their single supplement fee. Travel Partner If you’d rather find a suitable travel partner before you book your next trip, there are a number of free websites that can help you here too. See Travbuddy.com, TravelFriend. us and TravelersMeeting.com. Or, to find a cruise buddy try CruiseMates.com, which has a message board where users can post roommate requests. For more information on solo travel, check out SoloTravelerWorld.com, which offers solo travel tips, destinations and stories, and also publishes a monthly list of solo travel deals.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book.
Call (330) 569-3379 Toll Free: 1 (800) 379-9621 Reach out to us online at:
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NELSON TOWNSHIP RESIDENTS I am running for Nelson Township Trustee. I have lived in Nelson Township for 42 years and have always been involved in my community. In 1995 I started the first township clean-up with a $2,400 grant from the Ohio Department of Natural Resources. The next year, the Trustees at that time, appropriated the money for another clean-up. This is how our yearly clean-ups got their start. After zoning was voted in, I volunteered to be the secretary for the Zoning Board of Appeals and began working with the first zoning inspector, Walt Angeli. I have been Nelson Township zoning inspector for the last 20 years. I have done my best to do my job by representing the township and aiding the residents of Nelson to navigate zoning. For the last three years I have also been working with our Fiscal Officer, John David Finney, as his assistant. I have learned how your tax dollars are being spent. To me, it’s just like running a business. Only so much money comes in, and the trustees have to decide how to spend it to keep the township running smoothly. In 2005, the Pixley Park Development Committee was formed to develop Pixley Park. I was on that committee, and we raised enough money to put in the ball field which is enjoyed by the young and the old today. I would like to be part of seeing Nelson grow and improve in the years to come; this is why I want to be one of your next Trustees. My focus will be on the 26 miles of township roads, 5 cemeteries, Pixley Park, and the Nelson Community House. On November 7th, I would appreciate your vote. Thank you,
Anna Mae Vanderhoeven Candidate for Nelson Township Trustee Paid for by Candidate, Anna Mae Vanderhoeven
PUZZLE #18-04 DEADLINE ~ NOV 7
HEY KIDS! Here’s how the Math Corner works: Work the questions below and fill in the answers. Then clip and send before the deadline to: MATH CORNER, c/o The Weekly Villager, 8088 Main Street, Garrettsville OH 44231. Three winners will be drawn from all correct entries received. Prizes are courtesy of Garrettsville McDonald’s. Good luck. 1. What is forty percent of $20.00?
2.
answer
Which number is not equivalent to the others? 1/2
19:38
0.05
3.5 7
50%
answer and Jo have a total of 120 coins. Bo and Ko have 3. Mo 153; and Mo and Bo have 127. How many coins do Jo and Ko have, in all?
answer Your school
Your name Grade/Math teacher
Ph one number
Are You Really Saving Enough for Retirement? Provided By Chris Perme | Columnist Are you on track to save $1 million or more for retirement? If you are 50 or younger, you may need that much in savings to generate the kind of retirement income you prefer. Personal finance website NerdWallet recently did some math concerning this very objective. What kind of sustained savings effort would a 30-year-old with nothing invested need to make to amass $1 million in retirement savings by age 67, assuming a consistent 6% annual return? (Keep in mind, a tax-advantaged retirement account is not the only potential source of retirement savings.)1 According to NerdWallet’s projection, a 30-year-old earning $40,000 a year would have to set aside 18.3% of each paycheck toward that goal. The percentage drops to 12.2% for a 30-year-old earning $60,000 annually, and 9.2% a year for a 30-year-old with an $80,000 salary.1 Salaries are not frozen across a lifetime of working, of course – but this simple math denotes the initial effort a millennial may want to make. A general rule of thumb is that you should direct 10-15% of each paycheck into retirement savings.1 You must take some risk as you save for the future. Some people are afraid of Wall Street and reluctant to invest in equities; they wish they could just save for retirement through a bank account or in an investment vehicle with minimal risk. For most people, this approach is not realistic. The earlier you start, the more compounding potential you have. Take the hypothetical example of a 25-year-old who starts investing just $200 a month in equities via a tax-advantaged retirement account. The investments earn 8% a year. That 25-year-old is positioned to have $622,000 in that account
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by age 65. So, even a little invested per month might help a young adult make considerable progress toward a retirement savings objective.2 While some people take too little risk when they invest, others simply invest too little. There are people in their forties and fifties who have very large cash positions – over $100,000 in deposit accounts. Their bank accounts are almost as large as their investment accounts. They are taking another kind of risk: the risk of having too much money on the sidelines. Putting an extra $10,000 – just to throw out a figure – into retirement savings at age 45 or 50 could make a real difference. Just using the Rule of 72 (Google this phrase if it is new to you), at an 8% annual return, that $10,000 would double in just nine years; further growth and compounding would come after that, becoming more dramatic with time.2 Having a lot of cash in the bank is wonderful, but there are times when an emergency fund is larger than it may need to be. Some of that money might be better off in a taxadvantaged retirement account, especially if a household is behind on retirement saving. Chris Perme may be reached at 330-527-9301 or cperme@financialguide.com www.permefinancialgroup. com. Christopher Perme is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC. Member SIPC. (www.SIPC.org) Supervisory Office: 2012 West 25th Street, Suite 900 Cleveland, OH 44113. 216621-5680. Perme Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.
Citations
1 - cnbc.com/2017/08/08/how-much-you-have-to-save-each-paycheck-to-be-amillionaire-by-67.html [8/8/17] 2 - foxbusiness.com/markets/2017/05/15/here-easy-way-to-estimate-compoundinterest.html [5/15/17]
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