More homeowners than ever are choosing to age in place, preferring the familiarity and comfort of their own homes over the expense and headache of relocating later in life. But it's a smart homeowner move to proactively think about your safety, independence, and quality of life down the road.
Here are the top home improvements to make now so you can age in place comfortably.
Steal this billionaire wealth-building technique
The ultra-rich have also been investing in art from big names like Picasso and Bansky for centuries. And it's for a good reason: Contemporary art prices have outpaced the S&P 500 by 136% over the last 27 years.
A new company called Masterworks is now allowing everyday investors to get in on this type of previously-exclusive investment. You can buy a small slice of $1-$30 million paintings from iconic artists, all without needing any art expertise.
If you have at least $10k to invest and are ready to explore diversifying beyond stocks and bonds,see what Masterworks has on offer. (Hurry, they often sell out!)
Wider doorways and hallways
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As you age, mobility becomes essential to remain in your home and independent. Widening doorways and hallways is one of the most practical home improvements for future-proofing your residence.
Standard doorways may not comfortably accommodate wheelchairs, walkers, or other mobility devices. Expanding doorways and hallways to at least 32 inches, preferably 36 inches, creates an accessible home environment, allowing for easier movement as your mobility requirements change.
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Non-slip flooring
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Falls are the leading cause of injuries in people over 65. If you plan on changing your floors anytime soon, installing non-slip flooring can help significantly reduce this risk.
Textured vinyl, rubber, or ceramic tiles with non-slip finishes offer safety and many versatile styles. By proactively upgrading flooring in high-risk areas, like bathrooms and kitchens, homeowners can prevent serious accidents and maintain peace of mind as they age.
Grab bars and handrails
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Installing grab bars and handrails throughout the home can dramatically improve safety and accessibility. These small, simple fixtures offer daily support, helping homeowners maintain their balance and stability as they move throughout their homes.
Strategically placed grab bars in showers and beside toilets can help prevent falls and offer additional stability. Handrails on both sides can also help make stairs safer.
Get a free stock valued between $5 to $200
Secret: You don't need thousands of dollars to buy thousand-dollar stocks or create a diverse portfolio.
Robinhood offers a method of investing called “fractional shares.” On its own, one share of a single stock could cost a lot of money, making it difficult to diversify. Robinhood allows you to buy pieces of stock instead, so you have the option to build a diverse portfolio quickly.
Let’s say you want to invest $250, as an example.
With that amount, you could build a relatively diverse portfolio with an investment of $50 in a big tech stock, $50 in a retail stock, $50 in an energy stock, $50 in a manufacturing stock, and $50 in a bank.1 <p>This content is for informational purposes only, you should not construe any such information as legal, tax, investment, financial, or other advice. </p> <p>To get stock reward, new customers need to sign up, get approved, and link their bank account. Stock rewards shares cannot be sold until 3 trading days after the reward is granted and the cash value of the stock rewards may not be withdrawn for 30 days after the reward is claimed. Stock rewards not claimed within 60 days may expire. See full terms and conditions at <a href="https://robinhood.com/us/en/support/articles/open-account-pick-your-stock/">rbnhd.co/freestock</a>.</p> <p>Fractional shares are illiquid outside of Robinhood and are not transferable. Not all securities available through Robinhood are eligible for fractional share orders. For a complete explanation of conditions, restrictions and limitations associated with fractional shares, see the Fractional Shares section of our Customer Agreement.</p> Robinhood Gold is offered through Robinhood Financial LLC and is a membership offering premium services available for a fee.</p>
Even better news? Add a Robinhood Gold membership, and you’ll get access to 4.00% (as of 12/27/24) APY2 <p>Annual Percentage Yield. Rate valid as of April 12, 2024. To earn interest, a cash balance is needed. If you have a margin balance, there is no cash balance to earn interest. Interest rates for cash sweep and margin investing can change at any time. Fees may reduce interest earnings.</p> on your uninvested cash3 <p>Interest is earned on uninvested cash swept from your brokerage account to partner banks. Partner banks pay interest on your swept cash, minus any fees paid to Robinhood. As of Nov 15, 2023, the Annual Percentage Yield (APY) that you will receive is 1.5%, or 5% for Gold customers. The APY might change at any time at the partner banks' or Robinhood's discretion. Additionally, any fees Robinhood receives may vary and are subject to change. Neither Robinhood Financial LLC nor any of its affiliates are banks.</p> <p>All investments involve risk and loss of principal is possible.</p> <p>Robinhood Financial LLC (member SIPC), is a registered broker dealer.</p> and the ability to buy and sell stocks 24 hours a day, 5 days a week.
Open and fund a Robinhood account and earn up to $200 in stock
Elevator or stair lift
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For multi-story homes, stairs can become significant barriers to independence. Installing an elevator or stair lift ensures continuous access to every level of the house.
While elevators offer more extensive accessibility, stair lifts provide a cost-effective alternative. Both solutions allow homeowners to comfortably navigate multiple floors without strain, allowing you to use your entire home, even as you age.
Lever-style door handles and faucets
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Small changes can make a significant difference in your daily life. Replacing traditional round door knobs and faucets with lever-style handles allows people experiencing arthritis or limited hand strength to easily operate these fixtures without additional assistance. Lever-style fixtures require minimal effort, making them helpful for people of all ages.
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Improved lighting
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As you age, your eyesight will likely decline. Installing brighter lights can drastically enhance your visibility. Additionally, motion-sensor lights offer hands-free convenience and eliminate the need to fumble for switches in the dark before walking through hallways or into stairwells.
Smart home features
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Modern technology offers a variety of solutions to enhance the convenience, safety, and comfort of your home.
Voice-activated systems allow you to easily control lights, thermostats, doorbells, and security systems. These smart features simplify daily tasks and provide peace of mind through remote monitoring and automated assistance should you have an accident or need help.
Zero entry shower
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Traditional showers with raised thresholds present a significant fall or trip hazard. Eighty percent of seniors fall in the bathroom. Zero-entry showers remove this barrier entirely, reducing the risk of falls. This design style accommodates wheelchair access and can be made ADA-compliant.
Ramps in entryways
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Replacing or supplementing stairs with ramps allows everyone, regardless of mobility level, to safely enter and exit their home. Ramps offer practical convenience for mobility aids and, as a bonus, can make it easier to carry groceries or luggage into the house.
Earn up to a $300 bonus and grow your money with up to 3.80% APY
This powerful combination checking + savings account from SoFi® allows you to earn up to a $300 bonus with direct deposit and grow your money with up to 3.80% APY.4 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) <b>OR</b> $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. See full bonus and annual percentage yield (APY) terms at <a href="http://www.sofi.com/banking#1">sofi.com/banking#1</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p> <p>SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of Jan. 24, 2025. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. See the SoFi Plus Terms and Conditions at <a href="https://www.sofi.com/terms-of-use/#plus">https://www.sofi.com/terms-of-use/#plus</a>.</p>
This is one of the top accounts we’ve seen, and offers like this can be rare. You work hard, and now it’s time to make your money work for you — with SoFi, you can grow your money with hardly any effort!
SoFi has no account fees5 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p> or overdraft fees6 <p>Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with direct deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.<br></p> and additional FDIC insurance up to $3 million on deposits is available through a seamless network of participating banks.7 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p> Plus, you can receive your paycheck up to 2 days early.8 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
How to earn up to $300: Sign up and make a direct deposit within the first 25 calendar days of the promotional period, then collect a $300 cash bonus with a direct deposit of $5,000 or more.
SoFi is a Member, FDIC. 7 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
Open your SoFi account and set up direct deposit
Add a separate dwelling
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Many homeowners value staying in their homes and being independent while aging, especially since the median monthly cost for assisted living care is $5,676.
Consider adding a separate dwelling or apartment to your home as a place for a live-in caregiver. You could employ a nurse or family member to live with you as an alternative to moving to an assisted living facility. If you aren't ready for a caregiver yet, you could rent out the room for extra income or as a place for guests to stay when they visit.
Bottom line
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Investing in aging-in-place improvements now allows your home to remain comfortable, safe, and functional while also preserving your independence in later years.
Plus, you can enjoy the home upgrades now instead of waiting for them to become necessary. Additionally, adapting your home today can unlock forgotten senior benefits, such as reduced healthcare expenses by preventing accidents and falls or keeping your housing costs low as you retire.
Masterworks Benefits
- Invest in art like a millionaire for a relatively low cost
- Art investments have outperformed the S&P 500 by over 131% for 26 years
- Purchase shares of artwork by top artists
- Hedge against inflation and diversify your portfolio
Paid Non-Client Promotion
FinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.)
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