Thinking well helps you to live well. With practice, you can learn to think about things in ways that help you to be a more positive, open-minded and healthy person. As many experts have pointed out, ‘you are what you think’.

A licence to occupy (LTO) is a legal document that gives you the right to occupy a unit within a retirement community. It doesn’t give you legal ownership of the unit, just the right to live there for as long as you choose.

Whether you’re on your own or part of a couple, independent apartment living means no more lawn mowing or house maintenance – and definitely no more worrying about home security while you’re travelling