Many of us will be single as we age.
There are lots of reasons. Demographics show that it is primarily women who are reaching their late 80’s and 90’s. Another point is that life expectancy is somewhat greater for women than men to start with. If women marry men who are older, as is fairly common, and these men die at a fairly average age, women are left alone for a great number of years after their death.
So being single and retired is not a rare occurrence, but in fact quite common. This is in direct contrast to the advertising of mature lifestyles, which is predominantly focused on couples.
It can be challenging when couples have planned their retirement together and then one partner becomes sick and dies. To follow their old plan may seem hollow and meaningless for the person, as all the anticipated joy cannot be shared. Loss takes a period of adjustment and reevaluation. The remaining partner needs to rekindle their old interests, or develop new ones.
Negative emotions such as anger may also be present, as the remaining spouse feels gypped out of the great plans they may have had. Doing them alone may be an option, and some may do so, while others want to find something completely different.
If this is your situation, be kind to yourself. Recognize that it might take a radical action for you to move on and figure out what you want to do.
M.
Tuesday, January 31, 2006
Monday, January 30, 2006
Single Women and Retirement
Being single and retired has its benefits and challenges.
On the plus side, single, divorced, and widowed people now have all the freedom they would ever imagine. They can do what they want, when they want and with whom.
The downside of a single life is that there may not be built in socialization. With no daily contact with people from work, stronger networks and activities need to be planned. Doing a variety of activities, some by yourself and others in groups needs to be considered.
That being said, many many divorced or widowed people, primarily women, never want to marry again. In our generation of males there are still some who have never done homework or cooked very much at all. The prospect of having to cook three meals a day, take over cleaning and shopping responsibilities is completely unappealing. These women want to retire from housework!
More on this tomorrow.
M.
On the plus side, single, divorced, and widowed people now have all the freedom they would ever imagine. They can do what they want, when they want and with whom.
The downside of a single life is that there may not be built in socialization. With no daily contact with people from work, stronger networks and activities need to be planned. Doing a variety of activities, some by yourself and others in groups needs to be considered.
That being said, many many divorced or widowed people, primarily women, never want to marry again. In our generation of males there are still some who have never done homework or cooked very much at all. The prospect of having to cook three meals a day, take over cleaning and shopping responsibilities is completely unappealing. These women want to retire from housework!
More on this tomorrow.
M.
Sunday, January 29, 2006
No-Go’s
Hi:
This is the stage where life really does slow down. It would ideally be for most in the late 80’s and 90’s, at this point, some assisted living is required. Footing is unsteady so help bathing is appreciated.
Cooking can become a chore and unless there is some other intervention, often becomes sandwiches and tea, or other easy-to-prepare meals.
At this age few are still out there mowing their lawns and doing major physical activities. Many have moved to condominiums or to congregate care.
In congregate care facilities people may rent or buy a one or two bedroom suite. Upscale facilities have elegant dining rooms with a chef cooking three meals a day. If you own, included in maintenance fees are usually a number of dinners a month.
Others prefer a package which includes all meals, house cleaning, laundry and some social activities. This is not inexpensive, as the costs can go up to $3,000 to $5,000 a month. It works for many though, as they retain their independence and can just enjoy life.
The concept of “aging-in-place” deserves some consideration. The premise is that it becomes difficult to move as you become elderly. Your lack of familiarity with where you live and where things are can be problematic, especially for those with short-term memory loss.
The solution to this problem is to help parents move to a facility that has several levels of care. This should be done when they are still mentally active and capable. At this point they will identify with their new home and establish connections.
If, a few years later, their health starts to fail, more assistance can be organized. Of course this costs. For example, one care aide might be shared by four people. She (usually) would help people get dressed in the morning, help with bathing, ensure the proper medications were taken, and generally assist. This is a great help because the care aide has daily contact and is aware of the individual’s status.
The level of care can be monitored and increased without the upheaval of a move. In my opinion it is a reasonable option to consider.
This is the stage where life really does slow down. It would ideally be for most in the late 80’s and 90’s, at this point, some assisted living is required. Footing is unsteady so help bathing is appreciated.
Cooking can become a chore and unless there is some other intervention, often becomes sandwiches and tea, or other easy-to-prepare meals.
At this age few are still out there mowing their lawns and doing major physical activities. Many have moved to condominiums or to congregate care.
In congregate care facilities people may rent or buy a one or two bedroom suite. Upscale facilities have elegant dining rooms with a chef cooking three meals a day. If you own, included in maintenance fees are usually a number of dinners a month.
Others prefer a package which includes all meals, house cleaning, laundry and some social activities. This is not inexpensive, as the costs can go up to $3,000 to $5,000 a month. It works for many though, as they retain their independence and can just enjoy life.
The concept of “aging-in-place” deserves some consideration. The premise is that it becomes difficult to move as you become elderly. Your lack of familiarity with where you live and where things are can be problematic, especially for those with short-term memory loss.
The solution to this problem is to help parents move to a facility that has several levels of care. This should be done when they are still mentally active and capable. At this point they will identify with their new home and establish connections.
If, a few years later, their health starts to fail, more assistance can be organized. Of course this costs. For example, one care aide might be shared by four people. She (usually) would help people get dressed in the morning, help with bathing, ensure the proper medications were taken, and generally assist. This is a great help because the care aide has daily contact and is aware of the individual’s status.
The level of care can be monitored and increased without the upheaval of a move. In my opinion it is a reasonable option to consider.
Saturday, January 28, 2006
Go Slow’s
Hi:
Although many younger people think of retirement in the Go Slow mode, most baby boomers retiring today know they are Go Go’s.
But the Go Slow days will come. This is generally in the mid to late seventies. The prospect of hiking around the world and staying in uncomfortable beds to get a deal or putting up with bumpy bus rides becomes less palatable.
They find they don’t have the energy to go all day, but perhaps would like a wee nap in the afternoon. Medical issues start to take on some importance, especially when they must take medications regularly and “be careful”.
The energy just isn’t there and the step isn’t quite as sure or lively.
Now is the time to stay home more. Working in the garden and enjoying more sedentary pleasures become paramount. Reading, watching TV and socializing are great ways to spend the afternoon.
For Go-Slow’s, tours are ideal. The driver takes care of all the details. Your suitcases are dropped off at your door, and picked-up the next morning. If you want to miss an event, that’s just fine. Also, many tours that cater to seniors of this age have a slower pace. You don’t change hotels every night, but stay in one city for a few days.
If you don’t want to climb up the pyramids or the ruins of Tikal, you do not need to. You can just enjoy the view.
The Go-Slow days will come for many of us. This is the true retirement.
M.
Although many younger people think of retirement in the Go Slow mode, most baby boomers retiring today know they are Go Go’s.
But the Go Slow days will come. This is generally in the mid to late seventies. The prospect of hiking around the world and staying in uncomfortable beds to get a deal or putting up with bumpy bus rides becomes less palatable.
They find they don’t have the energy to go all day, but perhaps would like a wee nap in the afternoon. Medical issues start to take on some importance, especially when they must take medications regularly and “be careful”.
The energy just isn’t there and the step isn’t quite as sure or lively.
Now is the time to stay home more. Working in the garden and enjoying more sedentary pleasures become paramount. Reading, watching TV and socializing are great ways to spend the afternoon.
For Go-Slow’s, tours are ideal. The driver takes care of all the details. Your suitcases are dropped off at your door, and picked-up the next morning. If you want to miss an event, that’s just fine. Also, many tours that cater to seniors of this age have a slower pace. You don’t change hotels every night, but stay in one city for a few days.
If you don’t want to climb up the pyramids or the ruins of Tikal, you do not need to. You can just enjoy the view.
The Go-Slow days will come for many of us. This is the true retirement.
M.
Friday, January 27, 2006
Go Go’s
Hi:
More regarding yesterday’s post regarding Go Go’s.
These are folks just retiring, not old, in fact feeling very young. The present 55 is the new 40. They are healthy, progressive, and ready to rock-and-roll, as it were. And they know how to do it – yes they do!
The present early retirees grew up in the 60’s. They rebelled, had fun, and did what they wanted. That attitude is still there, and quite prevalent, although they needed to suppress it while they were raising their kids and working to pay off the mortgage. Now they are going to relive their youth.
They now can do all the things they ever wanted to do. They are relatively healthy, well-educated, and reasonably financially independent.
High on the list is traveling, starting businesses, especially away from the maddening crowd. Those of us who enjoyed the simple acoustic guitar sounds and the “natural” way of life want to get back it. They are opening bed and breakfasts, plant nurseries, home decorating stores and the like. They want to enjoy life and take others along for the ride.
The next fifteen years should be the best time of their life. They have money, smarts, a place to live, ambition and energy to burn.
This is not the retirement of yesterday.
M.
More regarding yesterday’s post regarding Go Go’s.
These are folks just retiring, not old, in fact feeling very young. The present 55 is the new 40. They are healthy, progressive, and ready to rock-and-roll, as it were. And they know how to do it – yes they do!
The present early retirees grew up in the 60’s. They rebelled, had fun, and did what they wanted. That attitude is still there, and quite prevalent, although they needed to suppress it while they were raising their kids and working to pay off the mortgage. Now they are going to relive their youth.
They now can do all the things they ever wanted to do. They are relatively healthy, well-educated, and reasonably financially independent.
High on the list is traveling, starting businesses, especially away from the maddening crowd. Those of us who enjoyed the simple acoustic guitar sounds and the “natural” way of life want to get back it. They are opening bed and breakfasts, plant nurseries, home decorating stores and the like. They want to enjoy life and take others along for the ride.
The next fifteen years should be the best time of their life. They have money, smarts, a place to live, ambition and energy to burn.
This is not the retirement of yesterday.
M.
Thursday, January 26, 2006
Go Go, Go Slow, No Go
Hi:
Retirement stages have been simply defined as Go Go's, Go Slow and No Go.
These stages refer to the time of life and energy level of the general retirement population
Go Go is the time right after retirement and for the next several years. The basic premise is that you are probably healthier and stronger earlier in life than later.
You have lots of plans that you desire to carry out. You may work part-time or start another career which can be exciting and fun. New projects occupy your time.
Go-Go's adventure forth with their big trips now. They do the more exotic trips with less facilities and more physical challenges. The terrain may be rougher, sleeping arrangements less than perfect and long travel times in different types of vehicles are the norm.
These trips also mean a longer time away - perhaps for a month to several months. You can probably go to big urban centers at any time of life, but hiking up mountains, forging streams or white-water rafting is best attempted at 60, not 90.
More tomorrow.
M.
Retirement stages have been simply defined as Go Go's, Go Slow and No Go.
These stages refer to the time of life and energy level of the general retirement population
Go Go is the time right after retirement and for the next several years. The basic premise is that you are probably healthier and stronger earlier in life than later.
You have lots of plans that you desire to carry out. You may work part-time or start another career which can be exciting and fun. New projects occupy your time.
Go-Go's adventure forth with their big trips now. They do the more exotic trips with less facilities and more physical challenges. The terrain may be rougher, sleeping arrangements less than perfect and long travel times in different types of vehicles are the norm.
These trips also mean a longer time away - perhaps for a month to several months. You can probably go to big urban centers at any time of life, but hiking up mountains, forging streams or white-water rafting is best attempted at 60, not 90.
More tomorrow.
M.
Wednesday, January 25, 2006
Parenting Your Parents
A new book Parenting Your Parents, by Bart Mindszenthy and Michael Gordon, cite an Ipsos Reid poll that found 36% of boomers had discussed long term care for their parents. The rest of us have not.
As my mom has been in care for 13 years, I know it can be a long and difficult process.
There were dozens of indications that she was losing touch with reality. For example, she didn't think it strange when she was brought home by the "nice RCMP officer who speaks French and has three kids" after she was found wandering around a shopping mall parking lot. Some kind person had cared for her.
Losing memory gradually can be insidious because the day to day changes are subtle. Often it's only when someone comes to visit who hasn't been there for a while that the difference becomes palpable.
Dangerous circumstances include leaving on a front burner for hours, or not remembering to take care of security. Opening doors to strangers would be an example. Driving can become a concern as well, as response times are longer, and vision not quite as sharp.
Discussing long-term care is challenging because no-one wants to lose their independence. Take the time to do an assessment of your parents capabilities.
Offer to do one thing that might alleviate concerns, such as getting a joint bank account so you could pay their bills and keep the house running if necessary.
My mom was not paying her bills - always saying she would do it tomorrow.
It's a journey we all must take.
M.
As my mom has been in care for 13 years, I know it can be a long and difficult process.
There were dozens of indications that she was losing touch with reality. For example, she didn't think it strange when she was brought home by the "nice RCMP officer who speaks French and has three kids" after she was found wandering around a shopping mall parking lot. Some kind person had cared for her.
Losing memory gradually can be insidious because the day to day changes are subtle. Often it's only when someone comes to visit who hasn't been there for a while that the difference becomes palpable.
Dangerous circumstances include leaving on a front burner for hours, or not remembering to take care of security. Opening doors to strangers would be an example. Driving can become a concern as well, as response times are longer, and vision not quite as sharp.
Discussing long-term care is challenging because no-one wants to lose their independence. Take the time to do an assessment of your parents capabilities.
Offer to do one thing that might alleviate concerns, such as getting a joint bank account so you could pay their bills and keep the house running if necessary.
My mom was not paying her bills - always saying she would do it tomorrow.
It's a journey we all must take.
M.
Tuesday, January 24, 2006
Working: Have Technology Will Travel
Do you have the skills to be self-employed, write, or provide consulting services?
If so, you can work pretty well anywhere in the world if you can link effectively to technology.
Most countries do not allow foreigners to come into take country and take “jobs” away from its citizens, even though you may be very qualified to fill a job in another country.
The exceptions are professional degrees – often at a Master’s level, where no one within the country is available to do a job.
However, if you want to travel, live in other countries for a while, or live in several countries, consider finding paid contracts to do some work on-line.
Or, why not work for yourself for part of your year in a country that has a warm climate and cheaper living expenses. You might put in a month in January in the sun and work hard, but play in the sun instead of the rain or the snow.
Of course, the ever-enduring image of lying on a beachfront working on your computer won’t cut it if there is not wireless access to the web and that is what you need.
But more and larger cities have some sort of wireless access. So though your contract or employer may be elsewhere, it is increasingly easy to work worldwide. What a way to go!
If so, you can work pretty well anywhere in the world if you can link effectively to technology.
Most countries do not allow foreigners to come into take country and take “jobs” away from its citizens, even though you may be very qualified to fill a job in another country.
The exceptions are professional degrees – often at a Master’s level, where no one within the country is available to do a job.
However, if you want to travel, live in other countries for a while, or live in several countries, consider finding paid contracts to do some work on-line.
Or, why not work for yourself for part of your year in a country that has a warm climate and cheaper living expenses. You might put in a month in January in the sun and work hard, but play in the sun instead of the rain or the snow.
Of course, the ever-enduring image of lying on a beachfront working on your computer won’t cut it if there is not wireless access to the web and that is what you need.
But more and larger cities have some sort of wireless access. So though your contract or employer may be elsewhere, it is increasingly easy to work worldwide. What a way to go!
Monday, January 23, 2006
Stock Market Active - Go On-Line
Hi:
It’s a good idea to keep track of your investments on-line. It’s easy to become lazy and not know where you are. This is especially important if you have some penny-stock plays and need to be in and out on a timely basis.
I know plenty of people who trade on-line. It does require a basic understanding of the stock market. Stock market information is readily available. Depending on your personality style, education, work background and interests, it is not difficult to understand.
I took the Canadian Securities Course about 35 years ago, when I was more or less a child (ha-ha). I was a very young adult, however. We had to do all the calculations by hand as there were no calculators in those days.
It has stood me in good stead over the years, even though I am not technically inclined or interested in following the market on a daily basis.
My investment style is towards secure, non-volatile stocks, that always make money. If only! Lots of markets are hot today: gold, mining, uranium, oil to name a few, so if you are interested in putting your toe in the water, now would be an interesting time.
Trade on paper first or in a fictional account, on-line, until you get the hand of it. It’s not that hard. Good luck.
It’s a good idea to keep track of your investments on-line. It’s easy to become lazy and not know where you are. This is especially important if you have some penny-stock plays and need to be in and out on a timely basis.
I know plenty of people who trade on-line. It does require a basic understanding of the stock market. Stock market information is readily available. Depending on your personality style, education, work background and interests, it is not difficult to understand.
I took the Canadian Securities Course about 35 years ago, when I was more or less a child (ha-ha). I was a very young adult, however. We had to do all the calculations by hand as there were no calculators in those days.
It has stood me in good stead over the years, even though I am not technically inclined or interested in following the market on a daily basis.
My investment style is towards secure, non-volatile stocks, that always make money. If only! Lots of markets are hot today: gold, mining, uranium, oil to name a few, so if you are interested in putting your toe in the water, now would be an interesting time.
Trade on paper first or in a fictional account, on-line, until you get the hand of it. It’s not that hard. Good luck.
Sunday, January 22, 2006
Crime Rates and Public Safety
Hi,
The last factor that Dr. Warren Bland compares in his book, Retire in Style, is crime rates and safely. He looks at overall crime, violent crime and property crime per 100,000 people.
It’s an important factor to consider, and one easily forgotten if you are not used to thinking about it.
In some large cities and surrounding suburban areas crime is quite specific to neighborhoods.
Depending on where you live your experience of a particular city can be diametrically opposite to someone else. If you live in a middle or high-end area, on a leafy-tree-lined street with large boulevards and roadways, and you drive to very specific places, you might never experience any crime.
In some cities, on the other hand, taking public transit after hours or late at night, or living in a low-rent walk-up apartment can bring its challenges.
If you are moving to a new area, be sure to check out the neighborhood at all times of the day before you buy. Look around, be observant. Prices are usually what they are for a reason.
M.
The last factor that Dr. Warren Bland compares in his book, Retire in Style, is crime rates and safely. He looks at overall crime, violent crime and property crime per 100,000 people.
It’s an important factor to consider, and one easily forgotten if you are not used to thinking about it.
In some large cities and surrounding suburban areas crime is quite specific to neighborhoods.
Depending on where you live your experience of a particular city can be diametrically opposite to someone else. If you live in a middle or high-end area, on a leafy-tree-lined street with large boulevards and roadways, and you drive to very specific places, you might never experience any crime.
In some cities, on the other hand, taking public transit after hours or late at night, or living in a low-rent walk-up apartment can bring its challenges.
If you are moving to a new area, be sure to check out the neighborhood at all times of the day before you buy. Look around, be observant. Prices are usually what they are for a reason.
M.
Saturday, January 21, 2006
British Columbia Hits Real Estate Record
According to a Vancouver Sun article on January 18, 2006, the province hit a new sales record in 2005 of $35.3 billion. Other articles extol the record high prices of real estate in Lotusland.
The two camps in the real-estate market are, in my opinion, divided by those who have some and those who don’t.
For those people for whom the dream of owning any remotely reasonable property within the Greater Vancouver Regional District is out of reach, their wish is that this is a giant bubble that will pop.
Like the proverbial walls of Jericho, they hope the prices will come a-tumbling down. They are banking on a faltering economy, higher interest rates, and over-extended households to trigger a sales stampede and a drop in prices.
But, if you look at the several million baby-boomers who live in terribly cold and harsh climates in the rest of Canada, that scenario probably won’t happen here. If they sell out in Ontario, for example, they can do fairly well here.
I know several couples who have moved here from the rest of Canada.
I asked a friend from Montreal the other day if he was tired of the 26 days of rain we just had.
His answer, the ever so common, “Well, at least I don’t have to shovel it”.
Vancouver is also attracting international buyers.
It’s not all bad though.
For folks who have owned for a while, the rising real-estate opens options. They can move to the smaller communities, and pay cash.
For folks who don’t own, they can move to those communities also. Vancouver suburbs are not that unreasonable. With mortgage rates as low as they are, home ownership is still a possibility.
If people are still undecided, I recommend they go on line, and look at real-estate world wide. When comparing prices around the world, Canada is a good deal.
M.
The two camps in the real-estate market are, in my opinion, divided by those who have some and those who don’t.
For those people for whom the dream of owning any remotely reasonable property within the Greater Vancouver Regional District is out of reach, their wish is that this is a giant bubble that will pop.
Like the proverbial walls of Jericho, they hope the prices will come a-tumbling down. They are banking on a faltering economy, higher interest rates, and over-extended households to trigger a sales stampede and a drop in prices.
But, if you look at the several million baby-boomers who live in terribly cold and harsh climates in the rest of Canada, that scenario probably won’t happen here. If they sell out in Ontario, for example, they can do fairly well here.
I know several couples who have moved here from the rest of Canada.
I asked a friend from Montreal the other day if he was tired of the 26 days of rain we just had.
His answer, the ever so common, “Well, at least I don’t have to shovel it”.
Vancouver is also attracting international buyers.
It’s not all bad though.
For folks who have owned for a while, the rising real-estate opens options. They can move to the smaller communities, and pay cash.
For folks who don’t own, they can move to those communities also. Vancouver suburbs are not that unreasonable. With mortgage rates as low as they are, home ownership is still a possibility.
If people are still undecided, I recommend they go on line, and look at real-estate world wide. When comparing prices around the world, Canada is a good deal.
M.
Friday, January 20, 2006
Recreation In a Natural Setting
Hi:
If you are considering moving to another community, consider the outdoor recreational activities available in that community. It's important to think about what you might like to do as possible activities, as well as what you do now.
Recreation can be divided into two areas: interaction with the natural environment and activities that use community resources.
Consider the overall weather conditions and what you might want to be doing. Moving up north may be cheap, but if you can't hike because there are not many well-laid out trails and lots of bears, your hiking expeditions may be limited, especially if you don't want to become dinner.
If you love winter sports such as cross-country or downhill skiing, spend some time in that area in those winter months, and also at various other times of the year so you can imagine what you might do there in the middle of the summer.
Or, if you love the water, either by the lake or the ocean, stay back a few weeks in the fall and see what happens when the rains start and the sun disappears. Does the boating community pack up and leave? Will you enjoy the quiet cold days with not much to do? How prepared are you to deal with snow?
Smaller places can be explored in a weekend. By spending time there in the off-season, you'll be able to make better decisions about buying or moving to the area.
M.
If you are considering moving to another community, consider the outdoor recreational activities available in that community. It's important to think about what you might like to do as possible activities, as well as what you do now.
Recreation can be divided into two areas: interaction with the natural environment and activities that use community resources.
Consider the overall weather conditions and what you might want to be doing. Moving up north may be cheap, but if you can't hike because there are not many well-laid out trails and lots of bears, your hiking expeditions may be limited, especially if you don't want to become dinner.
If you love winter sports such as cross-country or downhill skiing, spend some time in that area in those winter months, and also at various other times of the year so you can imagine what you might do there in the middle of the summer.
Or, if you love the water, either by the lake or the ocean, stay back a few weeks in the fall and see what happens when the rains start and the sun disappears. Does the boating community pack up and leave? Will you enjoy the quiet cold days with not much to do? How prepared are you to deal with snow?
Smaller places can be explored in a weekend. By spending time there in the off-season, you'll be able to make better decisions about buying or moving to the area.
M.
Thursday, January 19, 2006
Culture and Education
Hi:
In his book Retire in Style, Dr. Warren R. Bland further delineates leisure into more specific categories. One of these is culture and education.
Cultural and educational opportunities are an extremely important consideration for many. The chance to visit fine musuems, art galleries and exhibitions add interest and learning. Attending plays, concerts, gallery openings, operas, and special events are fun and deeply satisfying.
Continuous learning is paramount for some, especially those with an intellectual bent.
When you consider moving to a new area, and culture has been a big part of your life, make sure there is a strong cultural base within that community. Also, you may have never had the time to develop knowledge of the arts or music in the past because of your busy lifestyle. As you retire, this may be an ideal time to do so.
M.
In his book Retire in Style, Dr. Warren R. Bland further delineates leisure into more specific categories. One of these is culture and education.
Cultural and educational opportunities are an extremely important consideration for many. The chance to visit fine musuems, art galleries and exhibitions add interest and learning. Attending plays, concerts, gallery openings, operas, and special events are fun and deeply satisfying.
Continuous learning is paramount for some, especially those with an intellectual bent.
When you consider moving to a new area, and culture has been a big part of your life, make sure there is a strong cultural base within that community. Also, you may have never had the time to develop knowledge of the arts or music in the past because of your busy lifestyle. As you retire, this may be an ideal time to do so.
M.
Monday, January 16, 2006
College and University Offerings for Seniors Low/No Cost
Hi:
So you've always wanted to study Greek Mythology, Philosophy, or Linguistics?
Many colleges and universities incorporate policies where seniors can attend courses free of charge, subject to class sizes. If classes are not full, seniors are welcome.
Some choose to audit a class, while other seniors do write the essays and take the exams. Auditing a class means no homework - you are free of assignments and exams, and can participate in class discussions.
There are valid arguments that you learn much more when you do the work. However, if you goal is to study topics that have interested you, but you don't want all that work, why not audit?
Most people are surprized by the community services available, of which few take advantage. Check out your local colleges and universities - you may be pleasantly pleased.
M.
So you've always wanted to study Greek Mythology, Philosophy, or Linguistics?
Many colleges and universities incorporate policies where seniors can attend courses free of charge, subject to class sizes. If classes are not full, seniors are welcome.
Some choose to audit a class, while other seniors do write the essays and take the exams. Auditing a class means no homework - you are free of assignments and exams, and can participate in class discussions.
There are valid arguments that you learn much more when you do the work. However, if you goal is to study topics that have interested you, but you don't want all that work, why not audit?
Most people are surprized by the community services available, of which few take advantage. Check out your local colleges and universities - you may be pleasantly pleased.
M.
Sunday, January 15, 2006
Retirement and Continuous Learning
Hi:
Further to the thread of the last few days, choosing university towns are a fabulous choice for retirement. Universities provide a cornucopia of opportunities to participate at the edge of learning. Newly explored premises and findings on research can be fascinating.
Excellent programming exists in the continuing education offerings, often taught by leading professors in their field. Being an active member of a university community can be a great way to go.
Travel offerings include guided tours by professionals with specialized expertise in the topic. Examples of this are trips to the Galapagos, to Greece to study ancient civilizations, or to Europe to see the art of great cities and archeological ruins.
Cambridge University in the U.K. offers short courses during the summer months. The chance to learn, to meet with others from around the world, and participate in stimulating discussions cannot be equaled.
The most well-known grand-daddy of them all seems to be Elderhostel, with hundreds of tours every year. Participants are sometimes housed in university dorms and report the camaraderie gained from these trips is incomparable.
A focus on life-long learning adds to our appreciation of the world and its wonders.
M.
Further to the thread of the last few days, choosing university towns are a fabulous choice for retirement. Universities provide a cornucopia of opportunities to participate at the edge of learning. Newly explored premises and findings on research can be fascinating.
Excellent programming exists in the continuing education offerings, often taught by leading professors in their field. Being an active member of a university community can be a great way to go.
Travel offerings include guided tours by professionals with specialized expertise in the topic. Examples of this are trips to the Galapagos, to Greece to study ancient civilizations, or to Europe to see the art of great cities and archeological ruins.
Cambridge University in the U.K. offers short courses during the summer months. The chance to learn, to meet with others from around the world, and participate in stimulating discussions cannot be equaled.
The most well-known grand-daddy of them all seems to be Elderhostel, with hundreds of tours every year. Participants are sometimes housed in university dorms and report the camaraderie gained from these trips is incomparable.
A focus on life-long learning adds to our appreciation of the world and its wonders.
M.
Travel with a Cultural Focus
Hi:
Further to yesterday's post, I/we have always traveled with a arts focus and it has been deeply satisfying.
We have toured major art galleries in New York, Washington, London, Paris, Jo-burg, Sydney, Melbourne, Ottawa, Vancouver, Seattle, San Francisco, Lisbon, Madrid, and Florence, to name a few. Even Hawaii has a fabulous art gallery.
It's always an exciting and interesting experience. We usually go at the beginning of the day. There are usually peaceful little restaurants attached and gift shops that offer more than the trivia or tourist knick-knacks. The restaurant in Sydney, for example, was outside and offered great views.
Other people I know travel with a focus on visiting all the opera houses, the major bookstores, the train stations, the libraries and so on. Others concentrate on the architecture. Some like to buy a certain item from each country they buy.
I once met a middle-aged couple whose focus was the Rolling Stones. They literally followed the Stones' itinerary and went from city to city and saw each concert on the tour.
Whatever the interest, persuing knowledge of your chosen focus adds richness and mental stimulation. This enduring search for understanding or appreciation of beauty is one of the pleasures of life.
M.
Further to yesterday's post, I/we have always traveled with a arts focus and it has been deeply satisfying.
We have toured major art galleries in New York, Washington, London, Paris, Jo-burg, Sydney, Melbourne, Ottawa, Vancouver, Seattle, San Francisco, Lisbon, Madrid, and Florence, to name a few. Even Hawaii has a fabulous art gallery.
It's always an exciting and interesting experience. We usually go at the beginning of the day. There are usually peaceful little restaurants attached and gift shops that offer more than the trivia or tourist knick-knacks. The restaurant in Sydney, for example, was outside and offered great views.
Other people I know travel with a focus on visiting all the opera houses, the major bookstores, the train stations, the libraries and so on. Others concentrate on the architecture. Some like to buy a certain item from each country they buy.
I once met a middle-aged couple whose focus was the Rolling Stones. They literally followed the Stones' itinerary and went from city to city and saw each concert on the tour.
Whatever the interest, persuing knowledge of your chosen focus adds richness and mental stimulation. This enduring search for understanding or appreciation of beauty is one of the pleasures of life.
M.
Friday, January 13, 2006
Selecting a New Community: More Factors to Consider
Hi:
Continuing from my blog of a couple of days ago, Dr Warren Bland suggests a few more factors to consider before you move to a new community.
Health Care:
Consider availability and quality of medical care. Urban centers naturally have the most availability of large or larger hospitals and specialists. Your personal health status should be considered. This can be linked to age, of course, as health, unfortunately, generally deteriorates when we move into our 80’s and 90’s. Consider driving times in the worst possible conditions.
Community Services:
While we may not have used these when actively working, these can become increasingly important. Leisure encompasses education, culture, recreation, work and volunteer opportunities. What we may enjoy as a good break for the first year after retirement is complete un-involvement. However, five years into retirement, you might be reconsidering the idea of joining a group.
More on this tomorrow.
M.
Continuing from my blog of a couple of days ago, Dr Warren Bland suggests a few more factors to consider before you move to a new community.
Health Care:
Consider availability and quality of medical care. Urban centers naturally have the most availability of large or larger hospitals and specialists. Your personal health status should be considered. This can be linked to age, of course, as health, unfortunately, generally deteriorates when we move into our 80’s and 90’s. Consider driving times in the worst possible conditions.
Community Services:
While we may not have used these when actively working, these can become increasingly important. Leisure encompasses education, culture, recreation, work and volunteer opportunities. What we may enjoy as a good break for the first year after retirement is complete un-involvement. However, five years into retirement, you might be reconsidering the idea of joining a group.
More on this tomorrow.
M.
Thursday, January 12, 2006
Change can be a process of uncertainty
Why is retirement challenging?
Part of the retirement challenge is that we are going where we have not gone before.
It is, in a sense,like going back to circumstances similar to the time of unstructured youth. We will have free time, and can do whatever we want with that time.
We may or may not have enough money.
Our image of ourselves might change, with good or bad consequences, particularly if our image is strongly linked to our profession. For example, we might gain prestige from our profession and fear being relegated to the dust heap of history.
As we haven’t retired before, we don’t know what to expect. That can be stressful to some.
All change means doing things differently, and we may be in certain comfortable patterns and not wish to do things differently.
However, I believe the biggest challenge with retirement today is the issue of choice and decision making.
It's helpful to have some structure and make changes gradually. Some cut down to part-time work and take up hobbies or other activities.
By changing each part of your life step-by-step and building replacement activities from your regular job, change becomes manageable.
M.
Part of the retirement challenge is that we are going where we have not gone before.
It is, in a sense,like going back to circumstances similar to the time of unstructured youth. We will have free time, and can do whatever we want with that time.
We may or may not have enough money.
Our image of ourselves might change, with good or bad consequences, particularly if our image is strongly linked to our profession. For example, we might gain prestige from our profession and fear being relegated to the dust heap of history.
As we haven’t retired before, we don’t know what to expect. That can be stressful to some.
All change means doing things differently, and we may be in certain comfortable patterns and not wish to do things differently.
However, I believe the biggest challenge with retirement today is the issue of choice and decision making.
It's helpful to have some structure and make changes gradually. Some cut down to part-time work and take up hobbies or other activities.
By changing each part of your life step-by-step and building replacement activities from your regular job, change becomes manageable.
M.
Wednesday, January 11, 2006
Criteria for Evaluating Retirement Towns and Cities
Hi:
In his book Retire in Style, Dr. Warren R. Bland lists some criteria for evaluating towns and cities. Some of his points include:
Landscape – an aesthetically appealing and interesting landscape is desirable.
Climate – moderate temperate climate and sunny skies seem to be most appealing.
Quality of Life – is defined as livability and style. Relative freedom from toxic air and noise, attractive neighborhoods and a well planned community are mentioned.
Cost of Living – relative costs of real estate, food, municipal, provincial or state and federal taxes, transportation, utilities, health care and miscellaneous good and services are included under cost of living.
Transportation – included are transportation alternatives such as local bus systems and the relative cost. Access to air, bus and rail transportation systems, well maintained roads for automobile transport, bicycling routes and congestion are considered.
Retail Services are ever a necessity. Included are mall services and downtown shopping districts. Neighborhood areas and historic districts can add interest. Included in this are dining opportunities.
More tomorrow
M.
In his book Retire in Style, Dr. Warren R. Bland lists some criteria for evaluating towns and cities. Some of his points include:
Landscape – an aesthetically appealing and interesting landscape is desirable.
Climate – moderate temperate climate and sunny skies seem to be most appealing.
Quality of Life – is defined as livability and style. Relative freedom from toxic air and noise, attractive neighborhoods and a well planned community are mentioned.
Cost of Living – relative costs of real estate, food, municipal, provincial or state and federal taxes, transportation, utilities, health care and miscellaneous good and services are included under cost of living.
Transportation – included are transportation alternatives such as local bus systems and the relative cost. Access to air, bus and rail transportation systems, well maintained roads for automobile transport, bicycling routes and congestion are considered.
Retail Services are ever a necessity. Included are mall services and downtown shopping districts. Neighborhood areas and historic districts can add interest. Included in this are dining opportunities.
More tomorrow
M.
Tuesday, January 10, 2006
Age Perception a Retirement Factor
Hi:
How old do you feel? How old do you act? How old do you look?
These can be thought provoking questions that might lead you in different directions, if you let them.
Starting with the positive – if you have taken care of yourself all your life by eating properly, exercising, managing stress, and maintaining a positive attitude, you might feel as though you are 30, even though you are not.
If however, just one of those factors has been neglected, you might feel years older.
I regard retirement as an opportunity to fulfill some goals and to travel extensively. I must be fit and strong if I am to do all the things I want to do.
About twenty years ago I remember talking to a young woman in a rock band. She was about to embark on a world tour. I was impressed that she was running daily, doing hours of exercise, eating well, and doing strength training.
Her rationale was that her tour was going to be challenging physically and that the better shape she started out with, the better she would handle it. Her body strength would carry her forward.
Most people know others who are extremely fit and active even though they are quite elderly, and some who have a limited lifestyle because of poor health due to lifestyle choices.
I know what camp I want to be in.
M.
How old do you feel? How old do you act? How old do you look?
These can be thought provoking questions that might lead you in different directions, if you let them.
Starting with the positive – if you have taken care of yourself all your life by eating properly, exercising, managing stress, and maintaining a positive attitude, you might feel as though you are 30, even though you are not.
If however, just one of those factors has been neglected, you might feel years older.
I regard retirement as an opportunity to fulfill some goals and to travel extensively. I must be fit and strong if I am to do all the things I want to do.
About twenty years ago I remember talking to a young woman in a rock band. She was about to embark on a world tour. I was impressed that she was running daily, doing hours of exercise, eating well, and doing strength training.
Her rationale was that her tour was going to be challenging physically and that the better shape she started out with, the better she would handle it. Her body strength would carry her forward.
Most people know others who are extremely fit and active even though they are quite elderly, and some who have a limited lifestyle because of poor health due to lifestyle choices.
I know what camp I want to be in.
M.
Monday, January 09, 2006
Pointers for buying international real estate
Hi:
If you are thinking of buying overseas real estate, there are a few of things to keep in mind.
1. Be prepared to pay cash; mortgages are not necessarily available in every country.
2. Deal with licensed and knowledgeable real real-estate companies. In some countries, people can call themselves real estate agents, even though they are not trained as such.
3.Purchase title insurance. Do not rely on developer guarantees.
4. Pay to translate all documents into a language you and your independent lawyer can read.
5. Hire independent legal counsel, especially if you are buying off-plan.
6. Know the real-estate cycle of the country in which you are buying. Every market has cycles and knowing the cycles gives you perspective.
7. Prepare an exit strategy and some tentative time-lines drawn up.
8. Keep a reasonable time line. Don’t be pressured by affairs at your end or at the sales end to purchase now. Snags can and will occur. Allow enough time to let things evolve as they naturally would in this new-to-you country. Once you have lived long enough you know there will always be other deals.
Happy looking
M.
If you are thinking of buying overseas real estate, there are a few of things to keep in mind.
1. Be prepared to pay cash; mortgages are not necessarily available in every country.
2. Deal with licensed and knowledgeable real real-estate companies. In some countries, people can call themselves real estate agents, even though they are not trained as such.
3.Purchase title insurance. Do not rely on developer guarantees.
4. Pay to translate all documents into a language you and your independent lawyer can read.
5. Hire independent legal counsel, especially if you are buying off-plan.
6. Know the real-estate cycle of the country in which you are buying. Every market has cycles and knowing the cycles gives you perspective.
7. Prepare an exit strategy and some tentative time-lines drawn up.
8. Keep a reasonable time line. Don’t be pressured by affairs at your end or at the sales end to purchase now. Snags can and will occur. Allow enough time to let things evolve as they naturally would in this new-to-you country. Once you have lived long enough you know there will always be other deals.
Happy looking
M.
Sunday, January 08, 2006
Real Estate Going Up World Wide
Hi:
If you own real estate, the last few years have been excellent, with a real estate boom in North America and much of Europe.
With globalization firmly entrenched worldwide, people are also comparing international living costs. I read somewhere the cost per square foot of property in Paris is somewhere around $1,500. This makes current costs in much of Canada and much of the United States seem extremely reasonable.
It is now easy and fun to check out real estate prices of other countries. Not every country has our excellent Multiple Listing Service, but it is still relatively easy to search and view properties worldwide on the web. A currency converter helps in the price analysis and comparison.
The same economic principles hold true in every country however. International cities cost the most, secondary cities somewhat less and rural even less. Waterfront is alway more desirable worldwide. Supply and demand principles apply worldwide. Economic conditions, employment rates, democratic governments and policies also play into the equation.
If you are thinking about moving elsewhere to retire, a good place to start is on the Internet. Happy browsing!
M.
If you own real estate, the last few years have been excellent, with a real estate boom in North America and much of Europe.
With globalization firmly entrenched worldwide, people are also comparing international living costs. I read somewhere the cost per square foot of property in Paris is somewhere around $1,500. This makes current costs in much of Canada and much of the United States seem extremely reasonable.
It is now easy and fun to check out real estate prices of other countries. Not every country has our excellent Multiple Listing Service, but it is still relatively easy to search and view properties worldwide on the web. A currency converter helps in the price analysis and comparison.
The same economic principles hold true in every country however. International cities cost the most, secondary cities somewhat less and rural even less. Waterfront is alway more desirable worldwide. Supply and demand principles apply worldwide. Economic conditions, employment rates, democratic governments and policies also play into the equation.
If you are thinking about moving elsewhere to retire, a good place to start is on the Internet. Happy browsing!
M.
Saturday, January 07, 2006
What about owning two retirement places?
Hi:
There are lots of different ways to think about living options, especially when you don't have to be in one location because of work requirements.
Many people chose two places to live when they retire. For example, they own a small condo in the city and a larger boat that they live on for several months each year. This creates transition time, interest and more personal space for each partner.
Others own or rent a place in the sun for the colder winter months. Along with this they have a larger home in the suburbs or semi-rural area. These homes are generally less expensive to purchase because of their distance from the urban centre.
In their large space they do their hobbies and host their big family events. Then, when the weather turns cold, they lock up and go for several months each year.
If you are planning to change your lifestyle when you retire, there are several points to consider. Think about you and your partner's personality, interests, attachment to family, self-directness and finances. Understanding your needs is the key to a happy retirement.
Don't jump too quickly. Try things on for size before you make big and permanent moves. That way you have not committed yourself before you are ready physically, mentally and emotionally to a new lifestyle.
There are lots of different ways to think about living options, especially when you don't have to be in one location because of work requirements.
Many people chose two places to live when they retire. For example, they own a small condo in the city and a larger boat that they live on for several months each year. This creates transition time, interest and more personal space for each partner.
Others own or rent a place in the sun for the colder winter months. Along with this they have a larger home in the suburbs or semi-rural area. These homes are generally less expensive to purchase because of their distance from the urban centre.
In their large space they do their hobbies and host their big family events. Then, when the weather turns cold, they lock up and go for several months each year.
If you are planning to change your lifestyle when you retire, there are several points to consider. Think about you and your partner's personality, interests, attachment to family, self-directness and finances. Understanding your needs is the key to a happy retirement.
Don't jump too quickly. Try things on for size before you make big and permanent moves. That way you have not committed yourself before you are ready physically, mentally and emotionally to a new lifestyle.
Friday, January 06, 2006
Retiring and Relocating
Hi:
Part of the retirement decision involves where to live. It's wise to stay in the same place for a while - say a few months after retiring, until you get your bearing on your new lifestyle. Some people make the decision to stay in their family home or location for many years to come.
Some people, however, aren't quite as connected to their community, They find that they have different needs that could be more successfully met if they moved. For example, if you live in the suburbs and have to drive everywhere, and there are few shopping amenities besides big box stores, you might consider moving to a more urban centre.
If you want to out for a morning coffee, and need to drive for 20 minutes to do so, perhaps a rethink of where you live might be in order
House and yard size is also a consideration. You didn't work all your life to spend your retirement cleaning your kids old rooms, or up on a ladder scraping leaves out of the gutters. If those activities are not appealing, it might be time to move on.
One point to consider, however, is that with real-estate appreciation is still the greatest with single family dwellings.
That being said, urban real-estate, particularly condominiums in trendy downtown locations have also seen significant gains.
The main point is that you are not your real-estate. First focus on what you want to do to get the most out of your life and free time. If you go for your goals and start achieving them, decisions about where to live will fall into place as a natural extension of your life plan.
M.
Part of the retirement decision involves where to live. It's wise to stay in the same place for a while - say a few months after retiring, until you get your bearing on your new lifestyle. Some people make the decision to stay in their family home or location for many years to come.
Some people, however, aren't quite as connected to their community, They find that they have different needs that could be more successfully met if they moved. For example, if you live in the suburbs and have to drive everywhere, and there are few shopping amenities besides big box stores, you might consider moving to a more urban centre.
If you want to out for a morning coffee, and need to drive for 20 minutes to do so, perhaps a rethink of where you live might be in order
House and yard size is also a consideration. You didn't work all your life to spend your retirement cleaning your kids old rooms, or up on a ladder scraping leaves out of the gutters. If those activities are not appealing, it might be time to move on.
One point to consider, however, is that with real-estate appreciation is still the greatest with single family dwellings.
That being said, urban real-estate, particularly condominiums in trendy downtown locations have also seen significant gains.
The main point is that you are not your real-estate. First focus on what you want to do to get the most out of your life and free time. If you go for your goals and start achieving them, decisions about where to live will fall into place as a natural extension of your life plan.
M.
Thursday, January 05, 2006
Enough Money to Retire?
Hi:
Will you have enough money to retire?
This is one of the big issues that most people have. In fact, if people could project the future with a crystal ball things would be so easy!
Unfortunately we can't project twenty years ahead, or even six months ahead about world conditions, inflation rates, currency exchange rates, housing prices, food prices, government policies and the like.
What we do have to work with is our knowledge of what we have at the moment.
Successful financial planning at retirement initially involves knowing your asset base and projected monthly income.
One easy idea to consider (at least in theory) is that you have paid-for accommodation. Even if it is a small place, if all you have to pay are taxes, maintenance, communication and heating costs your yearly expenses can be controlled. If these expenses, food and transportation are about all you need, it is possible to live quite cheaply.
More about lifestyle and accommodation choices tomorrow. Other ways of living, such as in places that are less expensive to maintain will be explored.
M.
Will you have enough money to retire?
This is one of the big issues that most people have. In fact, if people could project the future with a crystal ball things would be so easy!
Unfortunately we can't project twenty years ahead, or even six months ahead about world conditions, inflation rates, currency exchange rates, housing prices, food prices, government policies and the like.
What we do have to work with is our knowledge of what we have at the moment.
Successful financial planning at retirement initially involves knowing your asset base and projected monthly income.
One easy idea to consider (at least in theory) is that you have paid-for accommodation. Even if it is a small place, if all you have to pay are taxes, maintenance, communication and heating costs your yearly expenses can be controlled. If these expenses, food and transportation are about all you need, it is possible to live quite cheaply.
More about lifestyle and accommodation choices tomorrow. Other ways of living, such as in places that are less expensive to maintain will be explored.
M.
Wednesday, January 04, 2006
Boomers need Money to Retire
Well, the Christmas bills have hit. So have the huge heating bills, the insurance, and the property tax assessment.
For most people looking to retire, some money choices must be made. If we are to live well and do all the things we want to do, we must either must have a great retirement pension, or make adjustments along the way.
Some minor adjustments can be as simple as stop spending and start saving.
Others I know move to smaller accommodation, or keep the same size house but move further out.
Another idea well loved by Canadians is missing the winter weather altogether. Going south means you don’t need warm winter clothes and your heating bills go down.
Whatever the choices January is a good time to lay out a budget for the year. It can be sobering to realize how much was spent over Christmas. As most people do have limits to their income, getting started is the first step. Another new years resolution on the way!
M.
For most people looking to retire, some money choices must be made. If we are to live well and do all the things we want to do, we must either must have a great retirement pension, or make adjustments along the way.
Some minor adjustments can be as simple as stop spending and start saving.
Others I know move to smaller accommodation, or keep the same size house but move further out.
Another idea well loved by Canadians is missing the winter weather altogether. Going south means you don’t need warm winter clothes and your heating bills go down.
Whatever the choices January is a good time to lay out a budget for the year. It can be sobering to realize how much was spent over Christmas. As most people do have limits to their income, getting started is the first step. Another new years resolution on the way!
M.
Tuesday, January 03, 2006
New Years Resolutions vs. Psychological Payoffs
Most of us have things about us that we would like to change, and really, with a small amount of effort could change. So why don’t we?
This question deserves some consideration. It may only take a small amount of effort to eat slightly less, exercise a bit more, put away things around the house that are cluttering up our space, or clean out something that’s been bugging us for years.
Postponed action exists. The reasons are many, but in the case of simple things, we can’t blame lack of time.
Generally there is an emotional reason why we don’t do things. If our house is tidy we will have to get on with what we really want to do. If we are slim and fit, what will that do to our self-image?
Procrastination techniques are wonderful at keeping us stuck. By analyzing the intent, we can explore the negative pay-off we get by not doing. Much of it boils down to fear of stepping out of our comfort zone.
It's good to be aware of our patterns as we make and keep our new years resolutions.
M.
This question deserves some consideration. It may only take a small amount of effort to eat slightly less, exercise a bit more, put away things around the house that are cluttering up our space, or clean out something that’s been bugging us for years.
Postponed action exists. The reasons are many, but in the case of simple things, we can’t blame lack of time.
Generally there is an emotional reason why we don’t do things. If our house is tidy we will have to get on with what we really want to do. If we are slim and fit, what will that do to our self-image?
Procrastination techniques are wonderful at keeping us stuck. By analyzing the intent, we can explore the negative pay-off we get by not doing. Much of it boils down to fear of stepping out of our comfort zone.
It's good to be aware of our patterns as we make and keep our new years resolutions.
M.
Monday, January 02, 2006
New Years Resolutions, Time and Commitment
Hi:
Well, a bit more on new years' resolutions, or new year resolutions, if you like.
It seems that one of the barriers to keeping our goals is the time it takes to establish new habits. It's a great idea to exercise every day, but if it's going to take an hour of our already precious time, it may not happen.
How about starting with 10 minutes?
Another factor is that habits take about a month to establish. Twenty-one days is what some experts say, but whatever it is, the principal ingredients for habit change are establishment of the new pattern into your every day life and comfort and ability to do it on a regular basis.
This is why the "baby steps" approach often works.
Try lying down on the floor right now and doing ten sit-ups. It will only take 30 seconds or so, but if it's done every day, it will make a difference.
Good luck wishes don't count. Action does.
M.
Well, a bit more on new years' resolutions, or new year resolutions, if you like.
It seems that one of the barriers to keeping our goals is the time it takes to establish new habits. It's a great idea to exercise every day, but if it's going to take an hour of our already precious time, it may not happen.
How about starting with 10 minutes?
Another factor is that habits take about a month to establish. Twenty-one days is what some experts say, but whatever it is, the principal ingredients for habit change are establishment of the new pattern into your every day life and comfort and ability to do it on a regular basis.
This is why the "baby steps" approach often works.
Try lying down on the floor right now and doing ten sit-ups. It will only take 30 seconds or so, but if it's done every day, it will make a difference.
Good luck wishes don't count. Action does.
M.
Sunday, January 01, 2006
New Year's Resolutions
Hi:
Well, here we are again, at January 1. Got home at 2:30 am last night, and today is, well, going slowly.
Thinking about the new year, as many of us are want to do at this time of year. The holidays create a space for us to gear down from our workaday lives and this provides a bit of perspective.
There seems to be diametrically opposed views to resolutions made at this time of year. Some scoff and distainfully denounce such attempts. They can be quite cynical, and perhaps rightfully so.
The Y and fitness clubs have big jumps in membership in January. I remember being told in the locker room at the Y to be prepared for January. Every machine would be in use and the crowds would make it difficult to do anything. But, not to worry, she said, by the middle of the month the crowds would have thinned considerably.
Yet, I always make new years resolutions, and tend to work through them. Any progress is better than no progress. The key to moving forward to reach your goals is to first list and state your goals and then formulate a workable plan for reaching them.
Now is as good a time as any for starting. I hope, no, plan to make 2006 a memorable year. Working the plan does take effort. Yet it's my observation that those who live lives of quiet desperation are those who are unhappy with their lot but fail to make any effort to change it.
That's about it, I think. If you want to be happy, be happy.
Gotta go and do my exercises:).
M.
Well, here we are again, at January 1. Got home at 2:30 am last night, and today is, well, going slowly.
Thinking about the new year, as many of us are want to do at this time of year. The holidays create a space for us to gear down from our workaday lives and this provides a bit of perspective.
There seems to be diametrically opposed views to resolutions made at this time of year. Some scoff and distainfully denounce such attempts. They can be quite cynical, and perhaps rightfully so.
The Y and fitness clubs have big jumps in membership in January. I remember being told in the locker room at the Y to be prepared for January. Every machine would be in use and the crowds would make it difficult to do anything. But, not to worry, she said, by the middle of the month the crowds would have thinned considerably.
Yet, I always make new years resolutions, and tend to work through them. Any progress is better than no progress. The key to moving forward to reach your goals is to first list and state your goals and then formulate a workable plan for reaching them.
Now is as good a time as any for starting. I hope, no, plan to make 2006 a memorable year. Working the plan does take effort. Yet it's my observation that those who live lives of quiet desperation are those who are unhappy with their lot but fail to make any effort to change it.
That's about it, I think. If you want to be happy, be happy.
Gotta go and do my exercises:).
M.
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