Deep Sea Fishing

Living in New England has many attractions including activities for the whole family, one of which is deep-sea fishing. The New England coast offers various excellent opportunities for those who love the challenge of deep-sea fishing. With an abundance of fishing charters available in New England, it has become a fisherman’s paradise.

For those visiting New England, and who have never gone fishing before, there are a variety of options. Some of the commonly available fish in the New England area are striped bass, black sea bass, tautog, bluefish, scup, weakfish, winter flounder, summer flounder, mackerel, false albacore, haddock, halibut and many more.

Beginning anglers might try surf casting at Half Mile Beach in Maine. June and July are the best times to go for the striped bass that are drawn there by the warmer waters flowing from Little River in Reid State Park. But for the best bass fishing from shore, longtime residents recommend Wachusett Reservoir near Worcester, Massachusetts. Large and smallmouth bass swim the well-protected shores along the eight mile long body of water. But if it’s trout you’re after, try the headwaters of the north-flowing Otter Creek, the longest and largest river system in Vermont. Rainbow and brown trout are stocked there twice a year.

Leland Fondow has been fishing since he was a child and now he and his children regularly go fishing. It has become a popular family activity to go fishing to see who bags the biggest catch. And when they do, the family relaxes and has a delicious meal of freshly caught fish.

Simple Exercises to Stay Fit

Exercising every day is important if you want to have a healthy body. When most of the jobs we do are sedentary, it is very important that we start doing some exercises every day so that we don’t become overweight. If you are busy with work and don’t have the time to go to a gym, these few tips will help you exercise and stay fit.

Walk-Out Push-Ups
The walk-out push-up targets multiple muscle groups and accelerates the heart rate. Stand with your feet apart (hip width distance) and slowly bend forward from the hips and stretch your hands to the floor. Once your hands touch the floor, begin to walk your hands forward until you are in the push-up position. Do one full push-up and walk your hands back again towards your feet, slowly rolling your spine up until you are back in the standing position. Don’t get discouraged if you cannot complete it the first time. Keep working at it and you will be able to perform the exercise.

Standard Squats
Stand upright with your weight evenly distributed on both your feet, keep your back straight and your chest high, and engage the glutes as you perform squats. Squats are great for the glutes, and legs. You can do squats anywhere – at the office, garden or home – without having to go to the gym.

Jumping Jacks
Jumping Jacks are an old exercise that has made its way back into the fitness world. Plyometric exercises are great when it comes to functional fitness. Because people wear shoes most of the time, the neurotransmitters in the feet become sedentary. An activity like jumping jacks can awaken them and help benefit various muscle groups in the body. Jumping jacks are also great if you are looking for a nice cardio workout.

Leland Fondow exercises regularly and goes for short walks a couple of times a week

Retirement Planning Mistakes You Want to Avoid

Planning for your retirement is one of the things you will need to consider if you want to live a comfortable life after you retire. Just the thought of retirement can cause anxiety for many people. However, there are many people who make mistakes that can derail their retirement plan. Here are a couple of things you might want to consider.

Living Large
Ask yourself the question, “Am I living too large?” To get a proper answer to that question, you will need to find out how much income you need to maintain your current lifestyle in retirement. And surprisingly not many people can answer that question. You will need to talk to your financial advisor to help you draw up a proper retirement plan that is sustainable. As a general rule of thumb, you will need around 80% of your current annual income in retirement. Retirees spend more on entertainment, eating out, and on travel, so you will need to take these into consideration when planning for retirement.

Higher Health Care Costs
People overlook higher health care costs during retirement. Health care costs are constantly on the rise and at retirement people will need to pay more for health care. Do not make the mistake of overlooking health care costs when planning for your retirement.

Long Term Care Plan
Caring for an aging parent can take its toll on the loved one’s savings. The time and money needed to provide long-term care for aging parents can be enormous. According to the US Department of Health, approximately 70% or people over the age of 65 will require care at a point in their lives. Talk to your financial advisor and make sure you include long term care plans for your retirement plan.

Leland Fondow is a financial advisor with several years’ experience in retirement planning.