Here are a few samples of copywriting material I have written for previous clients across a variety of industries.
Ways and Wane: Resources (Website Blog Posts) - https://waysandwane.com/resources/
Planning for Retirement
If you were to ask your 4 year old if you can live with them when they grow up, they’d likely reply with an enthusiastic “I wanna always live with you; I never wanna live in another place from you!”.
Ask them again when they are 35 and their answer may be different.
Maybe you’ll choose to live with your adult child, but it might be nice if you have other choices too. Planning for affordable housing before you are the older adult is something that cannot start too soon.
Retirement Calculator
Do a quick calculation to see if living with your kids will be optional. Without putting in identifying information or creating an account, Dave Ramsey’s retirement calculator will show an estimate of your retirement savings. It will even show you what you can save if you skip the daily coffee purchase, but you don’t actually have to look directly at that number.
Compound Interest Example
According to AARP’s retirement planning article, “the earlier you start saving for retirement, the better off you’ll be. If you start putting $5,000 a year into an IRA at age 30, you’ll have about $669,400 at age 70, assuming you earn 5 percent a year. If you start at age 50, you’ll have $186,860. Although it’s never too late to start saving, it’s a lot easier if you start early.”
Fidelity Investments’ 8 moves to help snowball retirement savings has tips for those in their 20s and 30s. Additionally, Dave Ramsey’s How to Save Money: 23 Simple Tips has some truly practical ways to save money even if you can’t imagine cutting expenses.
And as a backup plan, you could always ask your four-year-old to put the “you can always live with me” in writing, especially if you plan on continuing your daily Starbucks habit.
Affordable Housing + Care After 65
True or false?
Medicare will cover the cost of mom’s housing and care.
False.
It’s a fairly common misconception that Medicare will cover the cost of housing for older adults, but this is not the case. Medicare will cover up to 100 days a year in a nursing home, but only after a qualifying hospital stay. Particularly since housing prices and living costs are expected to continue to rise, a viable housing plan is more important than ever before.
Most funding for the housing and care of older adults comes from these sources:
The sale or rental income of their home
Retirement income such as a pension or investment account withdrawals
Social Security benefits. According to the Center on Budget and Policy Priorities, in 2022, retired workers received an average of $1,669 per month in Social Security benefits
The fact is that for most older adults in the United States, their available funds do not adequately cover the cost of housing and necessary expenses. Currently, more than 15 million older adults are “economically insecure,” meaning they live at or below 200% of the federal poverty level ($27,180 per year for a single person in 2022), according to the National Council on Aging. In fact, by 2030 there will be about 72 million adults over the age of 65 with more older adults expected to enter the federal poverty level than ever before.
Budgeting Tools for Senior Housing
Are you helping an older adult to plan ahead or stepping in to help manage a budget for housing and care? There are two free resources to help in the budget planning process:
This free Retirement Planner Worksheet is for individuals ages 50-70 and does not require identifying information.
If the expected income from Social Security is unknown, you can get an estimate of the expected benefit payout from the Social Security website.
Creative Senior Housing Options
It’s clear that affordable housing options and creative solutions are much needed to address the needs of economically insecure older adults. Some housing solutions include:
An Accessory Dwelling Unit which can be added to an existing property. Detailed information about ADUs can be found in our article HERE.
Manufactured home communities for 55+ can be another more affordable option. The home itself is owned, while the land in which it sits is leased. Care should be taken to understand the expected increases for the cost of the land lease.
Senior apartment complexes offer independent living units, sometimes with common use areas and services. The cost of renting is usually less than the cost to maintain a home and cover property taxes, upkeep and repairs.
The United States Department of Housing and Urban Development (HUD) offers affordable public housing apartments and single-family homes for older adults in need. The two programs which offer the most help to older adults are HUD’s Section 202 Affordable Senior Housing and HUD’s Housing Voucher Program
The Low Income Housing Tax Credit (LIHTC) Program does not provide housing subsidies, but tax incentives to encourage developers to create affordable housing. These tax credits are provided to each state based on population and are distributed to the state’s designated tax credit allocating agency.
Both HUD programs and the LIHTC have specific processes and requirements to apply. Unfortunately, they can be time-consuming and confusing to navigate. The demand for subsidized housing is already significant and is only going to increase. So while there are long waitlists, it’s wise to begin the process of applying, even if it means paying an application fee.
Our Housing and Care Options chart provides a general overview and cost comparisons.
Navigating the Social Isolation Dilemma in Children’s Screen-Filled World
Most parents have a love/hate relationship with screens when it comes to their children. Screens can be entertainment, a social outlet and a babysitter while dining out, but most parents have concerns about the impact on their children’s social development.
Research from a study on social isolation and its impact on child and adolescent development housed in the National Library of Medicine supports a “strong association between social isolation and anxiety and depression in children and adolescents”. It also reports “higher levels of cortisol and worse cognitive development”, which can impact school performance.
Another study found that these negative effects can extend into adulthood, as socially isolated children have been found to have worse health outcomes compared to their more engaged peers.
Busy schedules and perceived threats to safety can make parents fill time with screens. As child psychologist Melissa Sporn points out, “overscheduling limits socializing and parents’ efforts to protect kids from danger outside, which leads to more inside time on computers and phones”. Indeed, spontaneous play is thwarted by structured family schedules so that even with lots of people around, individual children can feel isolated and turn to screens for connection.
Solutions aren’t as obvious as just taking away the screens. The Mayo Clinic offers 6 tips to reduce children’s screen time, which include creating “phone-free zones” and cutting screen time in half.
Face-to-face time (without a screen in between) can reduce anxiety and improve cognitive development. Summer is a great time to try!
Kids: Build Their Work Ethic
What if you could implement one thing that would help your child:
Build a strong work ethic,
Bond with the family,
Learn responsibility and self-reliance,
Practice teamwork,
Have better academic performance,
And improve planning and time management skills?
You’d probably want to do it, right?
The one thing is: chores.
Childrens’ participation in chores was a significant predictor of work ethic, according to the Harvard Grant Study (the longest running longitudinal study in history.) Chores are one of two key things that enable adults to be happy and successful. The first was love.
This parenting approach will also give you time back! (Well, truthfully, depending on the age of your child you may be making investments before you see the return. But hang in there, it will pay off.)
Research from the University of Minnesota indicates that children who start doing chores as young as 3 years old, are more successful as young adults than children who have not participated in chores. Starting at any age is better than never participating with routine chores. However, the younger a child starts doing chores, the greater the likelihood that the benefits carry over into adulthood.
If you have a child with ADHD, the article “How Can I Get My Kids to Do Chores?” from the Child Mind Institute outlines the benefits for executive functioning and ideas for rewards and consequences.
If you need a vision for how to create (or refresh) the delegation of or tracking of chores, The Spruce has some pretty great ideas in their post 13 Actually Doable Chore Chart Ideas for the Whole Family.
Lastly, let’s acknowledge that it is frequently easier to “do it yourself”. This is very true. But with a long-term vision and a deep desire for your child’s overall success and happiness, implementing chores is a worthwhile endeavor.
Even if they break a glass unloading the dishwasher, at least they’ll be a happy adult.
Client: Detail King Express
Writing copy for their customer-facing website - https://www.detailkingexpress.com/
PROFESSIONAL PPF / CLEAR BRA IN ORANGE COUNTY
Why should you consider a paint protection film Orange County? This service package completely prevents external damage; not even rock chips, scratches, dirt, and debris can damage your paint.
While there are many inferior options of protection films you can choose from, KAVACA paint protection films is the only brand trusted by Detail King Express’ certified installers. KAVACA PPF is a high-performance aliphatic polyurethane film engineered to protect against abrasion, corrosion, and environmental fallout.
We offer a variety of packages and options to ensure that your needs are best met. Our custom solutions include KAVACA Ultimate Armor Package, KAVACA Ceramic Coated PPF and KAVACA Matte PPF.
Kindly contact us today for more details on KAVACA paint protection and film and which option is best for you. Our founder Zach has the passion and experience to help you choose the best solution for you.
PROFESSIONAL WINDOW TINT
Looking to get your windows tinted? Detail King Express is the best window tint service provider. With our team of experienced professionals, the window tint film will be installed with the proper care the first time. Your car will look and feel better than before.
Our Ceramic Pro Kavaca window tint film utilizes state of the art technology and is designed to filter up to 96% of infrared heat and block 99% of UV-A and UV-B rays, protecting you and your cars interior from the heat. We offer both Ceramic Pro Carbon CS and Ceramic IR window tint film.
You can rely on Detail King Express to help you choose the right film for your budget and needs. Contact Us to learn more about our window tint options and our professional staff will help you choose the right film for you vehicle.
ION CERAMIC COATING: THE ULTIMATE VEHICLE PROTECTION, EXCLUSIVELY AT ELITE DEALERS!
Ceramic Pro uses state-of-the-art nanotechnology to provide a protective coating to your vehicle’s exterior surfaces. Their brand new ION Ceramic Coating is exclusively available at Elite Dealers and is unmatched in paint protection.
Our coatings will protect your paint and other surfaces from staining, UV damage, bugs, dirt, and debris and has hydrophobic properties making your vehicle quick and easy to clean.
Ceramic Pro is the leader in paint protection in the automotive industry, and here at Detail King Express of San Clemente, we’ve been partnered with them for years. Call today to learn which product will be best for your needs!
CERTIFIED INSTALLERS
Our trained detailing technicians have been certified by Ceramic Pro, as well as the Detail King Auto Detailing Training Institute. Having a professionally trained detailing technician care for your car really matters especially with today’s vulnerable clear coat paints and luxurious and delicate car interiors.
Zach Youngquist, Owner of Detail King Express, along with the rest of the team, are certified Ceramic Pro installers and will transform your vehicle with the highest level of care.
OUR STORY
In October 2021 Detail King Express opened its first physical location in San Clemente to offer more in-depth detailing, paint correction, and auto protection services. Detail King Express partnered with Ceramic Pro to become an Elite Dealer Shop, giving us exclusive access to the highest quality products available on the market.
Ceramic Pro Elite San Clemente specializes in high end paint protection film, window tinting, and ceramic coatings. We also offer expert buffing, polishing, paint protection, interior and exterior detailing.
Zach is a naturally gifted entrepreneur who has a passion for the auto industry. In 2017 Zach founded his first auto detailing business in Loomis, California, and successfully grew it over two years before selling it. Ready for bigger markets, Zach decided to take his talents to Orange County and founded Detail King Express in 2019.
He has developed his skill set as a businessman while also constantly pushing the limits to provide premium services to his clients. He has forged a partnership with Ceramic Pro, pushing the business to the next level by allowing us to offer the highest end PPF, Window Tint, and Ceramic Coatings on the market.
If you are looking for an amazing experience from a top-notch, professional organization, look no further, you have found it! Detail King Express, Orange County’s Top Ceramic Pro Elite Dealer will provide your vehicle the care and love it deserves. We look forward to earning your business!
