Seniors who like going on luxury vacations every now and then probably want nothing more than a cruise trip on their bucket list. Fortunately, many cruise lines cater to senior citizens, offering everything from discounts and offers to wheelchair-accessible rooms. These cruises sail to distant and serene places, be it Alaska, the Caribbean, or a quaint town in Europe. On that note, here are some of the best cruise lines for seniors to check out.
Princess Cruises
This is one of the best cruise lines for seniors. Their ships are wheelchair accessible, making it easier for all passengers to enjoy their trip. Though Princess Cruises sail to many destinations around the world, they are particularly known for their Alaskan cruises, which makes them a great choice for those specifically looking to explore Alaska. They even offer cruise tours that include extended land excursions.
Azamara Club Cruise
If you prefer to stay for a long time in port during cruise trips, consider Azamara Cruises. Almost all their itineraries have long port stays. They even have medical facilities and onboard physicians. Azamara Cruises sail to beautiful places, such as the Caribbean.
Royal Caribbean International
Royal Caribbean International cruises stand out for many reasons. Their fleet includes everything from middle-aged vessels to state-of-the-art cruise ships. They also have a wide variety of entertainment and activities on board. Plus, they offer reduced prices for seniors on select sailings. Some spectacular Royal Caribbean ships to check out include Oasis of the Seas and Allure of the Seas.
Celebrity Cruises
Celebrity Cruise ships are designed keeping in mind the requirements of seniors and those with physical disabilities. Many of their ships’ staterooms can be easily accessed by people with disabilities. Their ship also includes an array of amenities, world-class dining options, and tons of entertainment. Celebrity Cruises sails to over 300 destinations worldwide, which means that there are plenty of options to choose from.
Silversea Cruises
Silversea Cruises is a go-to choice for many seniors looking for ultra-luxury ships. The cruise line is known for its all-inclusive services, including door-to-door transfers (from home to ship and back again). To further make the cruising experience comfortable, they offer butler service, complimentary beverages, gourmet dining, and personalized services onboard. Silversea Cruises sail to more than 900 destinations across all continents.
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Few tax benefits you didn’t know existed
Read moreWhile we all are worried about filing the tax returns with the best possible audits, most of us are also taking a closer look at the tax benefits and deductions. Tax deductions are important for taxpayers as these amounts can be directly deducted from the gross income. Right from getting the best investments to saving the receipts of health insurance premiums, smallest of these expenses can save you a lot more during your tax filing. Let us take a look at some of the tax deductions or benefits that you did not know that existed.
Health insurance premiums
Medical expenses can cost you a fortune and therefore, there are provisions that help in saving tax with the health insurance premiums. The taxpayer needs to itemize the medical expenses and mention the same during the tax auditing. In order to benefit from the health insurance premiums, the deductible medical expenses should be more than 7.5% of the gross income. If in case the taxpayer is self-employed and has paid for his or her medical expenses themselves, then the complete premium paid can be considered for claiming the tax benefit. The amount so deducted is considered from the gross income and not as an exclusion under itemization.Sales taxes
Sales tax can also be deducted from the federal income tax. This provision can be a big money saver in the states that do not have arrangements for their own income tax. If you are claiming your tax benefit under the sales tax, then the item needs to be mentioned under claim deduction. One can refer to the official website of IRS to know more about the savings on big purchases and tax benefits under the sales tax.Charitable gifts
These gifts make for a great money saving option under the federal income tax. It is useful to save the receipts and itemize them once the tax audit takes place. For instance, if you are baking cakes and using the funds to pay for a charitable organization, the cost of ingredients can be used as tax deductions.Investments
Investments are one of the core benefits of tax refunds. Some of the tax deductions under investments include individual retirement agreements, capital losses, the sale of a home, etc.Other tax benefits are:
- Cost of the babysitter
- Lifetime learning credit
- Unusual business expenses
- Self-employed social security
So, if you are looking for more information on tax benefits and deductions, visit the official website of IRS for a detailed list.
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4 simple yoga poses to tighten your neck skin naturally
Read moreNot many consider their face and neck as target areas while exercising unless their loose neck skin starts interfering with their youthful appearance. If you are looking for ways that can help you tighten neck skin, here are some effective yoga poses that you can try.
Yoga pose 1
You can start with a pouting stretch, as it helps tighten neck skin. To do this, you need to stick out your lower lip until it forms a pout. Then lower your jaw while keeping your face still, and your lower lip stuck out. Try to hold the pose for a few seconds and repeat the same it about ten times.Yoga pose 2
While doing this yoga pose, you need to keep your head level with the floor and lips closed and relaxed. Then you need to drop your jaw and push your lower jaw forward. Try to maintain this pose for a count of 10 breaths and repeat it at least five times. With this yoga pose, you can tighten neck skin quickly.Yoga pose 3
This is indeed one of the best yoga poses when it comes to firming the neck skin. For this move, you simply need to tilt your head back. Take your head back to a position so that you can look up at the ceiling comfortably. Hold the pose while keeping your lips closed and do a chewing movement. While holding the pose, you will be able to feel your neck and throat muscles tightening. Keep your head tilted for about 20 breaths and then bring it forward for a few deep breaths. Perform this yoga pose every day for about ten times.Yoga pose 4
This yoga pose also requires you to tilt your head back and keep your lips closed. However, in this yoga pose, you need to bring your lips in a kissing position while keeping them closed and continuing to look up at the ceiling. Repeat this pose five times to tighten neck skin.