Retirement Life

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Read this before choosing a retirement village

<p>Making the move from your own home into a retirement village is a huge decision. And with more than 2,000 villages around the country there’s a world of choice. These are some of the things you need to know before you make the move.</p> <p><strong>Get your priorities straight</strong></p> <p>Think about the kind of village you can see yourself living in. Make a list of features that you absolutely must have and a list of those that are desirable but not essential. Don’t be tempted to compromise on the first list because you could end up very unhappy in the long run.</p> <p>Do your research and find a village that meets your requirements. Don’t rush into somewhere that you aren’t completely sure about.</p> <p><strong>Money, money, money</strong></p> <p>Retirement villages aren’t cheap so you’ll need to be realistic about what it’s going to cost and how much you have to spend. It’s a good idea to see a professional financial adviser to get a complete picture of your financial situation, including things like selling your current home, super and any shares you own.</p> <p>You will have to sign a contract with the village before you move in, so get your financial adviser or a lawyer to go over it with you and make sure you understand all your obligations.</p> <p><strong>Location is key</strong></p> <p>As with any move, you need to think carefully about location. If the village is a long way from your current residence it can drastically alter your social life and connections with friends and family.</p> <p>You also need to think about proximity to public transport, shops, health services and community activities.</p> <p><strong>Choose your style</strong></p> <p>Retirement villages range from self-contained independent living to serviced accommodation and residential aged care. They also vary greatly in size from just a handful of units to villages with hundreds of residents. Larger villages tend to have more facilities, so if you’re an active person who loves to swim or play tennis then this could be the choice for you.</p> <p>However, extra facilities come with extra costs so if these aren’t important to you then you could find a cheaper option. You’ll also want to find out about communal dining options and social activities or groups within the village.</p> <p><strong>Get the help you need</strong></p> <p>As with accommodation styles, there is a wide range in the levels of assistance available. This can be as basic as having a cleaner come once a week right up to full nursing care. Some villages have the option to raise your level of care as you age or become unwell, which can be a better option than moving into a new village.</p> <p><strong>Stick to the rules</strong></p> <p>Can visitors stay the night? Can I have a pet? Is there a system for resolving disputes? You’ll want to be familiar with the rules and regulations of the village so read the fine print in your contract or ask questions before you commit.</p> <p><em>Image credits: Getty Images </em></p>

Retirement Life

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The one thing you must do before retirement

<p>When you think about planning for retirement, the standard advice is to take a thorough look at your superannuation and finances. Although money is undoubtedly an important aspect of retirement planning, making a plan for your emotion and physical wellbeing is just as crucial.</p> <p>New research from the UK has found that retirement can have a negative impact on your mental and physical health. The study, published by the Institute of Economic Affairs, looked at the impact of retirement on 7,000 people aged 50 to 70, and found that while retirement gives most people a small health booth, over the medium to long-term it causes a “drastic decline in health”. </p> <p>For both men and women, retirement decreases the likelihood of "very good” or "excellent" self-reported health by 40 per cent, increases risk for depression by 40 per cent, and diagnosis of a physical illness by 60 per cent. The study’s lead author, Gabriel Sahlgren, noted: "Work, especially paid work, gives many people a sense of purpose. Losing that may lead to declines in health."</p> <p>The lesson: Make a plan for your emotional and physical health.</p> <p>“Don't wait until you retire to decide how you're going to keep busy,” Dave Bernard, retirement blogger and author of Are You Just Existing and Calling it a Life?, told Prevention, adding, “And you need to look well beyond the first six months.”</p> <p>Just as it’s necessary to make sure your finances are in order before retirement, it’s crucial to ask yourself: What will my new sense of purpose in retirement be?</p> <p>“Many times, adults might not think about what it actually means to be retired, or they think about retirement in abstract terms,” says Angela Curl, an assistant professor in the University of Missouri School of Social Work.</p> <p>She says you need to make concrete plans for retirement. “If you want to volunteer when you are retired, ask yourself where and how often. Having specific plans and steps to follow will help you enter retirement more easily,” says Curl.</p> <p>Creating a plan of how you’ll spend your time when you retire will keep you mentally and physically strong, ensuring that you’ll be healthy enough to enjoy your well-deserved retirement.</p> <p><em>Image credits: Getty Images </em></p>

Retirement Life

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Most expensive countries to retire in revealed

<p dir="ltr">Australia has become one of the most expensive countries in the world to spend your retirement, with experts sharing how much we need to retire comfortably. </p> <p dir="ltr">Australia is now regarded as the world's seventh most expensive place to retire, and is also a major target for scammers, given the country’s superannuation initiative. </p> <p dir="ltr">Swedish loan broking group Sambla calculated Australians need at least $640,911 to retire comfortably, with this hefty amount one of the biggest in the world. </p> <p dir="ltr">Australia's 4.1 per cent inflation rate is also higher than most of the rich world, which means a retiree would need $34,221 a year to survive, provided they aren't renting.</p> <p dir="ltr">Australia is also a target for scammers, having $3.6trillion in superannuation savings, or the fourth highest pool in the world.</p> <p dir="ltr">In comparison, Switzerland has been named the most expensive place in the world to retire, requiring $927,034 in retirement savings to grow old in the Alps, translating into annual costs of $46,632.</p> <p dir="ltr">Check out the entire top ten list of most expensive countries to retire below. </p> <p dir="ltr">10. France. $583,950 in retirement savings required</p> <p dir="ltr">9. Austria. $598,434 in retirement savings required</p> <p dir="ltr">8. Iceland. $607,558 in retirement savings required</p> <p dir="ltr">7. Australia. $640,911 in retirement savings required</p> <p dir="ltr">6. Canada. $665,752 in retirement savings required</p> <p dir="ltr">5. Liechtenstein. $772,984 in retirement savings required</p> <p dir="ltr">4. Singapore. $773,456 in retirement savings required</p> <p dir="ltr">3. Qatar. $791,029 in retirement savings required</p> <p dir="ltr">2. Monaco. $795,431 in retirement savings required</p> <p dir="ltr" role="presentation">1. Switzerland. $927,035 in retirement savings required</p> <p dir="ltr"><em>Image credits: Getty Images </em></p>

Retirement Life

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Boss slammed for demanding "insane" farewell gift contribution

<p>A boss in London has been slammed after asking his employees to chip in almost $100 each for an expensive farewell gift for a co-worker. </p> <p>In a TikTok, London-resident Ben Askins read out the anonymous submission from one of the employees who was fed up after his manager “forced” everyone in the team to contribute because it was "compulsory". </p> <p>“Hey, noticed you hadn’t paid into the leaving present for Josh yet. Can you send me the £50 (AU$95) today? I want to put the purchase in by the end of the day,” the boss said in the text.</p> <p>Shocked by the "insane" amount of money, the employee replied: “Can I ask why it is so expensive?</p> <p>“Money is a little tight right now and to be asked to put in so much feels like a lot.”</p> <p>However, the manager didn't take his employee's financial situation into consideration, and said: “Josh has led the company for three years now and I think it’s nice gesture to show our appreciation.” </p> <p>The employee hit back: “I appreciate that but he makes so much more money than me and for me to be asked to put in so much feels weird especially as I never really worked with him”.</p> <p>But, the manager insisted that the employee needed to make a contribution. </p> <p>“This is compulsory I am afraid, it is not fair for me to ask some people and not others. Besides it isn’t that much all things considered," he said, and the employee conceded. </p> <p>It is unclear what happened after, but the texts have gone viral with over 2.2 million views thanks to Askins' <a href="https://www.tiktok.com/@ben.askins/video/7307322849407028513" target="_blank" rel="noopener">video</a>.</p> <p>Askins, who’s a managing director and co-founder of a digital agency, weighed in on the ordeal. </p> <p>“I don’t like this at all. I don’t mind leaving presents as a concept, right? But companies should pay it,” he said.</p> <p>“Companies should take responsibility, set a budget and they should pay for themselves. If you want to get something small for your best mate at work, that’s totally different, that’s well within your right.</p> <p>“But this sort of compulsory, ‘everyone’s got to chip in’, I absolutely hate," he added. </p> <p>He also said that the manager's actions are "really poor" and asking for that amount "is just ridiculous, it’s an insane amount". </p> <p>“It might not be much money for him but it is clearly a lot for this person so it’s just not fair what he’s doing,” he concluded. </p> <p><em>Images: TikTok</em></p> <p> </p>

Retirement Life

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90-year-old grandma's secrets, regrets and brutal "advice"

<p>An amazingly sprightly 90-year-old grandmother has appeared on TikTok to share her deepest regrets in life, leaving viewers both amused and contemplative with her surprising take on being a nonagenarian.</p> <p>The video, which has garnered a whopping 70,000 views, features the wise words of wisdom from a woman who has seen it all, or at least enough to make her wish she hadn't seen quite so much.</p> <p>The nanna, who spilled the beans to her inquisitive granddaughter <a href="https://www.tiktok.com/@racheljdillon?lang=en" target="_blank" rel="noopener">Rachel Dillon</a> – an online fitness coach –  began by revealing what she wishes she did less of in her life.</p> <p>"Probably less of nothing," she admits. "I mean I never worked after I was married or anything like that. I wish I had probably done more mixing with people with that. More socialising." </p> <p>It's then that the truth bombs really start to drop. When Rachel asks, "Do you have any regrets", a cloud of laughter fills the room, before the answer comes.</p> <p>"Yes, I do regret marrying too young," she says emphatically. "I met my husband when I was 13 and he was 15. We got married at 17 and 19. I met him at the library. He used to ride me up on the bicycle when I was going to the library."</p> <p>Then, when asked about the secret to turning 90, Rachel's grandma confesses not only that there isn't one, but that she regrets having made it this far at all.</p> <p>"I didn't really want to get to 90," she declares with the nonchalance of someone choosing between tea and coffee. "I've had enough. I've had all I wanted out of the world. I am quite happy to go and meet my little puppy dog waiting there for me."</p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">When asked about her secret to looking so young, Rachel's grandma almost brushes the question aside, laying the blame simply in the quality of her genes for having "always been a fox", according to Rachel.</span></p> <p>The final question, and the final brutally honest response – which may have made Rachel regret asking about regrets – was simply: "Do you have any advice for us?"</p> <p>"Oh God no," comes the world-weary answer. "Not the way the world's going. No, I'm just glad I'll be gone. I don't want to be part of anything that I can see going on."      </p> <p>TikTok users were quick to commend the grandmother, not just for her unexpected revelations but also for her timeless beauty. "She looks absolutely amazing," gushed one admirer, proving that age is just a number – albeit one that sometimes takes us by surprise.</p> <p>In the end, this nonagenarian nanna has become an unexpected sensation, leaving us all to ponder life's mysteries, library love stories, and the prospect of meeting puppy dogs in the great beyond.</p> <p>If her story has taught us anything, it's that life is unpredictable, love can blossom in the unlikeliest of places (like a library), and sometimes it's OK to regret that hasty decision to say "I do" before you even knew how to do your taxes.</p> <div class="post_body_wrapper" style="font-size: 16px; box-sizing: border-box; margin: 0px; padding: 8px 0px 0px; border: 0px; vertical-align: baseline; caret-color: #323338; color: #323338; font-family: Figtree, Roboto, 'Noto Sans Hebrew', 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif;"> <div class="post-body-container" style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline;"> <div class="post-body-renderer-component post_body" style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; vertical-align: top; position: relative; transition: max-height 0.14s ease 0s; overflow: hidden; color: var(--primary-text-color); max-height: none;"> <div class="post-body-content" style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; width: 630px; overflow: auto hidden;"> <div class="body_text redactor-styles redactor-in" style="box-sizing: border-box; margin: 0px; padding: 0px 15px 15px; border: 0px; vertical-align: baseline; position: relative; overflow: auto; color: var(--primary-text-color); font-family: var(--font-family); line-height: 1.5; word-break: break-word;"> <div class="embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border: 0px; vertical-align: baseline; outline: none !important;"><iframe class="embedly-embed" style="box-sizing: inherit; margin: 0px; padding: 0px; border-width: 0px; vertical-align: baseline; width: 600px; max-width: 100%; outline: none !important;" title="tiktok embed" src="https://cdn.embedly.com/widgets/media.html?src=https%3A%2F%2Fwww.tiktok.com%2Fembed%2Fv2%2F7311465610821651720&amp;display_name=tiktok&amp;url=https%3A%2F%2Fwww.tiktok.com%2F%40racheljdillon%2Fvideo%2F7311465610821651720&amp;image=https%3A%2F%2Fp16-sign-sg.tiktokcdn.com%2Fobj%2Ftos-alisg-p-0037%2Fo49EYZFdsEDJhfBAiE2gfGE8l3IAR2qBQx14iB%3Fx-expires%3D1702681200%26x-signature%3DL%252FvO6dLXwqFOi09XENAbVmG4tgs%253D&amp;key=5b465a7e134d4f09b4e6901220de11f0&amp;type=text%2Fhtml&amp;schema=tiktok" width="340" height="700" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe></div> </div> </div> </div> </div> </div> <div> <div> <div> <div> <div><em>Images: TikTok / @racheljdillon</em></div> </div> </div> </div> </div>

Retirement Life

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Sir Michael Caine announces bombshell news

<p>After decades of captivating audiences with his extraordinary talent, Sir Michael Caine has officially announced his retirement from acting.</p> <p>The 90-year-old British acting legend made this revelation shortly after the release of his latest film, <em>The Great Escaper</em>. In an interview with the BBC, Caine reflected on his illustrious career, his recent film, and what the future holds for him.</p> <p>Caine has been a household name in the world of cinema for generations. The esteemed actor has received numerous accolades throughout his career, including Oscars, Golden Globe Awards and Baftas. His cinematic journey began in the early 1950s, and over the years, he has left an indelible mark on the film industry, starring in over 160 films across a span of seven remarkable decades.</p> <p>His filmography is a testament to his versatility, ranging from classic movies like <em>Zulu</em> and <em>The Italian Job</em> to more recent blockbusters like <em>Interstellar</em> and his iconic role as Alfred Pennyworth in <em>The Dark Knight</em> franchise alongside Christian Bale.</p> <p>However, it was his role in <em>The Great Escaper</em> that pushed Caine to make the life-altering decision to retire. In the film, he portrays real-life World War II veteran Bernie Jordan, who escapes from a care home to attend D-Day celebrations in France. Caine's performance received rave reviews, but it also prompted him to question his future in acting.</p> <p>“I keep saying I'm going to retire. Well, I am now,” Caine shared with the BBC. “I've had a picture where I've played the lead and had incredible reviews... What am I going to do that will beat this?”</p> <p>Caine's frank assessment of his career, acknowledging that at 90, leading roles for him were limited, was a heartfelt moment for both him and his fans. He humorously noted that the only roles he could expect now were for 90 or maybe 85-year-old men. Leading men are reserved for the young and handsome, and he saw no reason to continue in the industry under those circumstances. Caine felt it was time to exit the stage gracefully and on his terms.</p> <p>Even the role in <em>The Great Escaper</em> was not one he initially embraced. He had declined the role three times before ultimately accepting it, as he considered himself already retired at the time.</p> <p>In this poignant moment, Caine also paid tribute to his co-star in the film, Glenda Jackson, who passed away in June, shortly after the completion of the movie. Jackson was a beloved actress and a longtime friend of Caine.</p> <p>Caine's retirement from acting doesn't mean he's stepping away from the creative world entirely. He recently completed a novel titled <em>Deadly Game</em>, scheduled for release a month after his announcement. The novel features DCI Harry Taylor, a detective known for his disregard for red tape and political reputations. Caine expressed his excitement about venturing into the world of thriller writing, noting that it was a genre he adores. He hoped that readers would enjoy getting to know Harry Taylor as much as he did while crafting the character.</p> <p>Sir Michael Caine's retirement marks the end of an era in the film industry, but it also heralds the beginning of a new chapter in his life as an author. His impact on cinema and his dedication to his craft will be remembered for generations to come, making him an enduring icon in the annals of film history.</p> <p><em>Images: Instagram</em></p>

Retirement Life

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Happy ending after company's awful retirement send-off

<p>An elderly gentleman in the United States, who had faithfully served as an "extremely dependable" employee for 42 years, recently experienced a remarkable change in his fortunes, thanks in large part to the generosity of individuals from Australia.</p> <p>John Bartlett, the dedicated worker in question, had received <a href="https://www.oversixty.co.nz/lifestyle/retirement-life/you-deserve-more-company-slammed-over-measly-send-off-party" target="_blank" rel="noopener">underwhelming recognition from an unnamed company</a> for his decades of commitment. His daily 40-minute commute on public transportation to a job paying only the minimum wage went largely unnoticed until recently, causing widespread consternation.</p> <p>Sonia, one of his colleagues, was deeply moved by the perceived injustice and decided to share a video clip of Bartlett's story online. In her post, she expressed her wish that his hard work had been better acknowledged and thanked him for his unwavering loyalty. She noted that Bartlett loved his job so much that he was reluctant to retire, receiving nothing more than a barbecue and a certificate as a token of appreciation.</p> <p>After sharing Bartlett's story on social media, Sonia was inundated with messages from people eager to contribute to his well-deserved retirement. Responding to this outpouring of support, she set up a <a href="https://www.gofundme.com/f/happy-retirement-john#xd_co_f=YjM1NWNiYzAtN2QwYS00MDc2LTgzZWEtNzRiYzE2ZjczZDU2~" target="_blank" rel="noopener">GoFundMe</a> campaign, inviting the public to contribute "a little something for a better retirement" for him.</p> <p>Within a matter of days, the fundraiser received an overwhelming response, with donations and messages pouring in from around the world, including numerous contributions from Australians. The campaign was eventually closed after more than 1,900 individuals contributed, resulting in a total of A$57,454 for Bartlett's retirement fund.</p> <p>In his 70s, Bartlett was left speechless when Sonia shared this incredible news with him. She conveyed the global impact of his story and the messages of support he had received from people across the globe. Overwhelmed by the gesture, Bartlett could only smile and nod in response.</p> <p>“They left messages for you," said Sonia in the video. "So I’m going to print it out and go ahead and make something nice for you so you can read it on your own time. We started the GoFundMe because they wanted to give you something for your retirement on their part and it just blew up overnight. You deserve it, OK? I’m going to make sure everything goes to your account, just for you.”</p> <p>Supporters encouraged Bartlett to use the funds for special treats, like a grand holiday or for spending time with loved ones. Messages from donors expressed their heartfelt wishes for his retirement and new beginnings.</p> <p>Sonia expressed her gratitude to the donors, assuring them that every cent raised would be placed directly into Bartlett's account. In her final update to the GoFundMe account, she thanked donors for their kindness and reaffirmed her commitment to ensuring Bartlett received every penny, attributing the success of the campaign to their collective efforts.</p> <p>In the end, the power of community and compassion won out, as people from all walks of life came together to make a meaningful difference in the life of an individual who had dedicated so much to his job.</p> <p><em>Images: TikTok</em></p>

Retirement Life

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Kids dressing up as older people is harmless fun, right? No, it’s ageist, whatever Bluey says

<p><em><a href="https://theconversation.com/profiles/lisa-mitchell-1143692">Lisa Mitchell</a>, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p>A child once approached me, hunched over, carrying a vacuum cleaner like a walking stick. In a wobbly voice, he asked: "Do you want to play grannies?"</p> <p>The idea came from the children’s TV show Bluey, which <a href="https://www.facebook.com/ABCKidsCommunity/videos/bluey-grannies/468144817266668/">has</a> <a href="https://www.facebook.com/ABCKidsCommunity/videos/new-bluey-episodes-the-grannies-are-back-abc-kids/371436135028190/">episodes</a>, <a href="https://www.bluey.tv/products/grannies-book/">a book</a>, <a href="https://www.discountmags.com/magazine/bluey-september-1-2023-digital">magazine</a> editions and an <a href="https://www.facebook.com/OfficialBlueyTV/videos/grannies-filter-bluey/5728362390510269/">image filter</a> about dressing up as “grannies”.</p> <p>Children are also dressing up as 100-year-olds to mark their first “100 days of school”, an idea <a href="https://www.theage.com.au/national/victoria/old-people-s-home-for-five-year-olds-prep-students-don-senior-citizen-attire-20230801-p5dszb.html">gaining popularity</a> <a href="https://www.smh.com.au/education/cardigans-wigs-and-canes-why-kindy-students-are-dressing-up-as-100-year-olds-20230720-p5dpu8.html">in Australia</a>.</p> <p>Is this all just harmless fun?</p> <h2>How stereotypes take hold</h2> <p>When I look at the older people in my life, or the patients I see as a geriatrician, I cannot imagine how to suck out the individual to formulate a “look”.</p> <p>But Google “older person dress-ups” and you will find <a href="https://www.pinterest.com.au/pin/dress-up-like-youre-100-years-old-100thdayofschool--15199717464361356/">Pinterests</a> and <a href="https://www.wikihow.com/Dress-Up-Like-an-Old-Person#:%7E:text=Dress%20in%20comfortable%2C%20loose%2Dfitting,older%20people%20may%20wear%20include%3A&amp;text=Oversized%20sweatshirts">Wikihow pages</a> doing just that.</p> <p>Waistcoats, walking sticks, glasses and hunched backs are the key. If you’re a “granny”, don’t forget a <a href="https://www.facebook.com/OfficialBlueyTV/videos/games-you-can-play-at-home-grannies-bluey/645964056227345/">shawl and tinned beans</a>. You can buy “old lady” <a href="https://www.spotlightstores.com/party/costumes-and-accessories/costume-accessories/wigs-hair-accessories/wigs/spartys-kids-old-lady-wig-with-curlers/80578132?gclsrc=aw.ds&amp;gclsrc=aw.ds&amp;gclid=Cj0KCQjw0vWnBhC6ARIsAJpJM6emZHoNxO72pUa80Wc8ihYYiq3AohZ_w72jmuWBBDlficdCMy_rsK8aAj47EALw_wcB">wigs</a> or an “old man” <a href="https://www.bigw.com.au/product/facial-hair-set-old-man-3-pieces/p/305026">moustache and bushy eyebrows</a>.</p> <p>This depiction of how older people look and behave is a stereotype. And if dressing up as an older person is an example, such stereotypes are all around us.</p> <h2>What’s the harm?</h2> <p>There is <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/hypa.12170">some debate</a> about whether stereotyping is intrinsically wrong, and if it is, why. But there is plenty of research about the harms of <em>age</em> stereotypes or ageism. That’s harm to current older people and harm to future older people.</p> <p>The World Health Organization <a href="https://www.who.int/health-topics/ageism#tab=tab_1">defines ageism</a> as: "the stereotypes (how we think), prejudice (how we feel) and discrimination (how we act) towards others or ourselves based on age."</p> <p>Ageism <a href="https://www.who.int/health-topics/ageism#tab=tab_1">contributes to</a> social isolation, reduced health and life expectancy and costs economies <a href="https://academic.oup.com/gerontologist/article/60/1/174/5166947">billions of dollars</a> globally.</p> <p>When it comes to health, the impact of negative stereotypes and beliefs about ageing may be even <a href="https://academic.oup.com/gerontologist/article/60/1/174/5166947">more harmful</a> than the discrimination itself.</p> <p>In laboratory studies, older people perform <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4360754/">worse</a> than expected on tasks such as memory or thinking after being shown negative stereotypes about ageing. This may be due to a “<a href="https://www.simplypsychology.org/stereotype-threat.html">stereotype threat</a>”. This is when a person’s performance is impaired because they are worried about confirming a negative stereotype about the group they belong to. In other words, they perform less well because they’re worried about acting “old”.</p> <p>Another theory is “stereotype embodiment”. This is where people absorb negative stereotypes throughout their life and come to believe decline is an inevitable consequence of ageing. This leads to biological, psychological and physiological changes that <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2927354/">create</a> a self-fulfilling prophecy.</p> <p>I have seen this in my clinic with people who do well, until they realise they’re an older person – a birthday, a fall, a revelation when they look in the mirror. Then, they stop going out, stop exercising, stop seeing their friends.</p> <p>Evidence for “stereotype embodiment” comes from studies that show people with more negative views about ageing are more likely to have higher levels of stress hormones (such as cortisol and C-reactive protein) and are <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7182003/">less likely</a> to engage in health behaviours, such as exercising and eating healthy foods.</p> <p>Younger adults with negative views about ageing are <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2666386/">more likely</a> to have a heart attack up to about 40 years later. People with the most negative attitudes towards ageing have a lower life expectancy by as much as <a href="https://pubmed.ncbi.nlm.nih.gov/12150226/">7.5 years</a>.</p> <p>Children are particularly susceptible to absorbing stereotypes, a process <a href="https://psycnet.apa.org/record/2007-09385-010">that starts</a> in early childhood.</p> <h2>Ageism is all around us</h2> <p><a href="https://www.who.int/health-topics/ageism#tab=tab_1">One in two people</a> have ageist views, so tackling ageism is complicated given it is socially acceptable and normalised.</p> <p>Think of all the birthday cards and jokes about ageing or phrases like “geezer” and “old duck”. Assuming a person (including yourself) is “too old” for something. Older people say it is harder to <a href="https://www.abc.net.au/news/2023-07-06/senior-job-seekers-struggle-to-get-a-foot-in-the-door/102563144">find work</a> and they face discrimination in <a href="https://www.hcnsw.org.au/wp-content/uploads/2021/03/Ageism-in-Health-Care_final.pdf">health care</a>.</p> <h2>How can we reduce ageism?</h2> <p>We can reduce ageism through laws, policies and education. But we can also reduce it via <a href="https://www.who.int/health-topics/ageism#tab=tab_1">intergenerational contact</a>, where older people and younger people come together. This helps break down the segregation that allows stereotypes to fester. Think of the TV series <a href="https://iview.abc.net.au/show/old-people-s-home-for-4-year-olds">Old People’s Home for 4 Year Olds</a> or the follow-up <a href="https://iview.abc.net.au/show/old-people-s-home-for-teenagers">Old People’s Home for Teenagers</a>. More simply, children can hang out with their older relatives, neighbours and friends.</p> <p>We can also challenge a negative view of ageing. What if we allowed kids to imagine their lives as grandparents and 100-year-olds as freely as they view their current selves? What would be the harm in that?<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212607/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/lisa-mitchell-1143692"><em>Lisa Mitchell</em></a><em>, Geriatrician working in clinical practice. PhD Candidate at The University of Melbourne studying ethics and ageism in health care. Affiliate lecturer, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/kids-dressing-up-as-older-people-is-harmless-fun-right-no-its-ageist-whatever-bluey-says-212607">original article</a>.</em></p>

Retirement Life

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“You deserve more”: Company slammed over measly send-off party

<p dir="ltr">A company has been slammed online for their measly attempt to farewell a hard-working employee of 42 years. </p> <p dir="ltr">John Barlett was a dedicated worker for four decades, commuting long distances to work at minimum wage and give his all to his colleagues. </p> <p dir="ltr">After 42 years of hard work, John announced his retirement from the company, prompting a measly farewell party from his place of work. </p> <p dir="ltr">One of John’s longtime co-worker, Sonia, was devastated over the injustice, sharing a short clip to social media of John – now in his 70s – and what she felt was his hard work going unappreciated.</p> <p dir="ltr">“Today is my co-worker’s last day. He worked for this company for 42 years making minimum wage,” Sonia wrote with the video. </p> <p dir="ltr">“The company only threw him a barbecue and gave him a certificate. He takes the bus and Bart (train) to get here every day on time. He’s 70+.”</p> <p dir="ltr">“He loves working here so much he didn’t want to retire. [He got] No bonus, just a barbecue and a certificate. Don’t be a slave to your job. Thank you John for your loyalty.”</p> <p dir="ltr">The video quickly went viral and was flooded with comments of support for John, with one person even suggesting that John start a <a href="https://www.gofundme.com/f/happy-retirement-john" target="_blank" rel="noopener">GoFundMe</a> for people to contribute to his retirement. </p> <p dir="ltr">In the fundraiser, she revealed John could not drive because of a disability, but “rain or shine” would always make it to work.</p> <p dir="ltr">He was “extremely dependable”, Sonia added, revealing it had been difficult to convince him to take a break because he always wanted to work. </p> <p dir="ltr">He was “one of the most talented and hard working” employees at the company and his energy was “unmatched”, she said. </p> <p dir="ltr">“He has no wife or kids, however he does have a nephew whom he loves dearly,” she wrote in the fundraiser.</p> <p dir="ltr">“It would be nice to give him some kind of company or something to do so he knows that he’s special and loved.”</p> <p dir="ltr">In the few days since the GoFundMe was created, it has raised almost $45,000, as many shared their comments of support.</p> <p dir="ltr">One person wrote, “Happy retirement, John. You deserve more than what this company has offered you. Wish you all the best in your life and your future.”</p> <p dir="ltr"><em>Image credits: GoFundMe</em></p>

Retirement Life

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104-year-old woman becomes world's oldest skydiver

<p>A 104-year-old Chicago woman is believed to be the oldest person in the world to tandem skydive, after jumping off a plane from 13,500 feet (4,100 meters) in northern Illinois. </p> <p>On Sunday the 1st of October, Dorothy Hoffner left her walker behind without hesitation and hopped on a Skyvan to set a world record.</p> <p>The 104-year-old could not contain her excitement as she sat on the plane.</p> <p>“Let’s go, let’s go, Geronimo!” she said. </p> <p>Hoffner first started skydiving when she was 100, and initially had to be pushed out of the aircraft, but this time around, things were different. </p> <p>The centenarian insisted on leading the jump while tethered to a U.S. Parachute Association-certified instructor. She was cool and confident as the plane doors opened to reveal the golden crop fields below. </p> <p>Hoffner fearlessly tumbled out of the plane head first and successfully did a forward roll before freefalling from 13,500 feet in the air. </p> <p>The dive lasted seven minutes, including the parachutes slow descent on to the ground. </p> <p>As soon as she landed at Skydive Chicago in Ottawa, just 140 km southwest of Chicago, friends rushed in to share their congratulations. </p> <p>When asked how it felt to be back on land she simply replied with: “Wonderful." </p> <p>“But it was wonderful up there. The whole thing was delightful, wonderful, couldn’t have been better."</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/rQQyc9kRfio?si=3uj4x5hTPyyU6HrJ" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Moments after her touchdown, the centenarian told the cheering crowd: “Age is just a number." </p> <p>The previous Guinness World Record for oldest skydiver was set in May 2022 by 103-year-old Swedish woman Linnéa Ingegärd Larsson. </p> <p>Skydive Chicago is currently working with Guinness World Records to certify Hoffner's jump as a record according to <em>WLS-TV</em>. </p> <p>Hoffner's final message for those who haven't tried it: “Skydiving is a wonderful experience, and it’s nothing to be afraid of. Just do it." </p> <p><em>Images: ABC 7 Chicago / Skydive Chicago</em></p>

Retirement Life

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Sickness or health: Healthy life split along gender, education lines

<p>Australians are living and working longer than ever, but the number of healthy years they’re enjoying with this added longevity isn’t shared equally between the sexes, or by those who finished school before Year 12.</p> <div class="copy"> <p>A paper recently <a href="https://doi.org/10.1016/S2468-2667(23)00129-9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="https://doi.org/10.1016/S2468-2667(23)00129-9">published</a> in <em>The Lancet</em> <em>Public Health</em> from the Ageing Futures Institute at the University of New South Wales shows an increase in longevity in Australia. Other data in the publication reveal detail about “healthy years”.</p> <p>Men, and those with higher levels of education, worked about 2 years longer in good health. For women and those with lower education, the years of healthy life expectancy have gone backwards.</p> <p>The report, led by statistician Dr Kim Kiely who is now based at The University of Wollongong, compared representative cohorts of people aged 50-100 who participated in the Household Income and Labour Dynamics in Australia survey (HILDA). Those cohorts were measured over decade long periods – the first from 2001-2010 and the second from 2011-2020.</p> <p>Men added an extra 11 months of healthy life between the cohorts, while women lost a month. Similarly those of any gender who had completed year 12 added about 10 months to their healthy life expectancy, while the same amount of time was lost by those who hadn’t.</p> <p>“Everyone’s increasing their working life expectancy, so the years they’re expected to be working,” Kiely says. “What is different is how long they’re expected to be living in good health: women and people with low education didn’t have an improvement in healthy life expectancy.</p> <p>“Everyone’s also living longer than ever before, but for women, those extra years seem to be years of poor health.  People with lower education – they end up going backwards, they’re losing years of healthy life.”</p> <p>Australia’s working life trends are similar to those in Europe and the UK, though this research suggests the Australian labour force works longer in poor health than their antipodean counterparts.</p> <p>Kiely says the findings are important considerations for policymakers pondering questions of retirement and pension ages: the demands of some labour may not be evenly spread when it comes to considering health implications.</p> <p>“We have a pension age that has been rising steadily over the past couple of decades – it’s not rising anymore – but there is a strong expectation for people to be working longer,” Kiely says. “And if that is the case, then we need opportunities for work for mature age, older adults, and those work opportunities have to be suitable for their capacity to work.</p> <p>“We do need to address things like age and gender discrimination in the workforce. And we need to think about how we support people who are unable to work before they reach the pension age.”</p> <p>Kiely is extending his research into how the nature of work in Australia influences these high-level findings. He hopes this can explain why gender and education influence healthy working years.</p> <p>Further drilling down into other subgroups is important, say Dr Marty Lynch and Dr Ross Wilkie from Keele University, UK. They investigated healthy working life expectancy as part of Britain’s Independent State Pension Age Review last year. They too found Briton were working longer, but not at a rate that keeps pace with the national pension age.</p> <p>In a <em>Lancet</em> editorial accompanying the Australian research, they point out that the HILDA data evaluation only shows changes in average ages on gender and education lines.</p> <p>“The extent of HWLE [Healthy Working Life Expectancy] inequalities between subpopulations with multiple specific characteristics are likely to be even wider and will also indicate targets and interventions to increase the number of years that people can be healthy and in work,” they say.</p> <p>The impact of socioeconomic status on life expectancy and disease burden was recently highlighted in a large-scale review of Australia’s 30-year health data.</p> <p><a href="https://cosmosmagazine.com/people/society/australias-life-expectancy-is-up-but-healthy-years-are-a-different-story/">It found</a> while Australians have added 6 years to their life expectancy since 1990, those with lower socioeconomic backgrounds had a higher risk of death-causing disease.</p> <p><em>Image credits: Getty Images</em></p> <p><em><a href="https://cosmosmagazine.com/people/society/sickness-or-health-healthy-life-split-along-gender-education-lines/">This article</a> was originally published on <a href="https://cosmosmagazine.com">Cosmos Magazine</a> and was written by <a href="null">Cosmos</a>. </em></p> </div>

Retirement Life

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Retirement reinvented: how to find fulfilment later in life

<p><em><a href="https://theconversation.com/profiles/tania-wiseman-1183187">Tania Wiseman</a>, <a href="https://theconversation.com/institutions/swansea-university-2638">Swansea University</a></em></p> <p>Retirement can feel like a strange time for many people. Gone is the routine of work, your time is your own – in theory. How to stop chores from taking over can become a tricky balance. Some people retreat and return to work. Often, those that persevere find they are as busy as ever – but not always with the fun leisurely activities they were looking forward to.</p> <p>It’s strange that this is so often the case because retirement is something many of us look forward to for most of our working lives. Indeed, it’s the one time in life when you can really devote yourself to hobbies and interests, leisure and pleasure.<br />This uncertain picture means that approaching retirement can be a time of fear – <a href="https://www.forbes.com/sites/davidkudla/2020/03/13/6-ways-to-ease-your-retirement-anxiety/">retirement anxiety</a> is a real thing. So too are the <a href="https://www.health.harvard.edu/mens-health/retirement-stress-taking-it-too-easy-can-be-bad-for-you">retirement blues</a>.</p> <p>When you add in potential health concerns and financial worries, it’s maybe not surprising that a recent survey found that more than half of <a href="https://www.independent.co.uk/money/more-than-half-of-over40s-feel-anxious-about-retiring-survey-suggests-b2146484.html">over-40s feel anxious about retiring</a>.</p> <p>One retirement challenge is how to replace the <a href="https://www.degruyter.com/document/doi/10.1515/ger-2020-0109/html#:%7E:text=We%20find%20that%20retirement%20changes,effect%20on%20the%20network's%20size.">friendships</a> you make through work. Indeed, it seems the people who fare best in retirement find ways to cultivate connections.</p> <p>The longest-running <a href="https://www.adultdevelopmentstudy.org/">study on human happiness</a> found the thing that makes us most happy in life is our relationships and positive social connections – they also help us to live longer too. Indeed, this 85-year-old Harvard study shows that maintaining quality relationships has a huge benefit for our physical and mental health and wellbeing.</p> <p>Similarly, the charity The Centre for Better Ageing has found that <a href="https://ageing-better.org.uk/resources/later-life-2015-executive-summary">social connections</a> are just as important as money and health to a good later life.</p> <h2>Beyond routine</h2> <p>When it comes to retirement anxiety, <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_2">my research</a> with retirees shows that most people who have been retired for several years learn to manage their concerns and develop <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_5">satisfying and interesting lives</a>.</p> <p>As with a lot of us, most of their time was taken up with home-based chores, self-care, looking after friends and relatives and serving the community – along with working really hard to keep fit, so as to “age well”.</p> <p>But my research also found that negative notions of ageing can <a href="https://link.springer.com/book/10.1007/978-3-030-71672-1">become internalised</a> and prevent people from having fun and making new connections.</p> <p>In my study, people said they were conscious that others might judge the <a href="https://link.springer.com/content/pdf/bfm:978-3-030-71672-1/1?pdf=chapter%20toc">suitability of their leisure choices</a>. While some rebels could only really enjoy a pastime if they knew their children would disapprove (think daytime drinking, gambling, watching TV, cycling on busy roads in a rainstorm and flirting with strangers), most were limited in their leisure choices by this concern.</p> <p>Several did not have any pastimes they enjoyed. <a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_6">Those who found a balance</a> had rich and varied leisure lives, but they preferred people from their own age group and a similar background, where they were less likely to be told how amazing they are, for their age.</p> <h2>From anxiety to adventure</h2> <p>While mixing with people from similar backgrounds and age groups can feel safe and comfortable. It can also mean you miss out on new and interesting experiences or having your worldviews challenged or expanded by spending time with different people</p> <p>Retirement is the ideal opportunity to mix things up and gently expand your leisure repertoire. It’s a time to embrace the convivial in the presence of others, not just the usual people you see.</p> <p>If you are happy with your leisure life, great. But if there is a little something missing, a little fun that could enhance it, consider adding in something new. Think outside the box of what’s “<a href="https://link.springer.com/chapter/10.1007/978-3-030-71672-1_5">suitable for your age group</a>”, (what does that even mean?). Indeed, age should not be a barrier to anything, age discrimination is illegal. So if you’re interested then it’s suitable.</p> <p>If you have limited resources learn a language with <a href="https://www.duolingo.com/">Duolingo</a> in five minutes a day. Then when you’re ready, find a language conversation group and join them for a social event.</p> <p>Learn a song, you can do it yourself using YouTube tutorials. If you enjoy that, you could join a community choir, or drag your friends and family to a karaoke night. You could even pick up an instrument and see how it feels to add percussion. Alternatively, perfect a dance at home and if you like it try a dance class – <a href="https://www.youtube.com/watch?v=Oe4xqYSoiUo">pole dancing</a> has become very popular.</p> <p>If you have a bit more time to spare, explore taking an interest to the next level. There are local groups for many activities, including rowing, climbing, circus skills, martial arts and horse riding – what takes your fancy?</p> <p>Not an “organised group” person? Try Frisbee, a boomerang, kite flying, bike rides, skateboarding or roller skating. You don’t have to be with people, just being around them is interesting.</p> <p>For more sedate options consider a cinema club, jazz club, poetry group, or start a quiz team. If you like the TV show <a href="https://www.channel4.com/programmes/the-great-pottery-throw-down">The Great Pottery Throw Down</a> join a ceramic studio and unlock your inner creativity. If you have a free afternoon or evening, look at <a href="https://www.eventbrite.co.uk/">Eventbright</a> and try something random, because we don’t really know what we love until we find it.</p> <p>Nothing has to be a lifelong commitment. If you like it, carry on, if not, then move on to something else. Anything you try will make a good story to tell the younger people in your life – they need to know that later life is an adventure worth working towards.</p> <p>So defy expectations, knock down those mental barriers and try something different. Start today and see where it takes you.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/201358/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/tania-wiseman-1183187">Tania Wiseman</a>, Associate Professor, Head of Therapies , Faculty of Medicine, Health and Life Science, <a href="https://theconversation.com/institutions/swansea-university-2638">Swansea University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/retirement-reinvented-how-to-find-fulfilment-later-in-life-201358">original article</a>.</em></p>

Retirement Life

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Readers Respond: What is something you miss about pre-internet times?

<p>Times are changing and in an increasingly digital world, there are a few things that just don't feel the same.</p> <p>We asked our readers what they missed the most about the pre-internet times and while some shared their nostalgia, others believe that the change is for the better. </p> <p><strong>Jeanie Houston </strong>- The joy of getting a letter from loved ones overseas.</p> <p><strong>Tina Karanastasis</strong> - Having pen pals (a fad in my younger years), writing and receiving handwritten letters, building relationships through shared moments and time spent together face to face.</p> <p><strong>Deirdre Hudson </strong>- Being able to go anywhere without someone calling you</p> <p><strong>Lois Parkes</strong> - Going to a library to research the answer</p> <p><strong>Gini Glenn</strong> - Nothing! I love the internet and mobile phones. You can always leave your phone at home or turn it off. Lovely to have choices.</p> <p><strong>Teresa Hamilton Gross</strong> - Having a conversation with someone who is not looking at their cell phone.</p> <p><strong>Jan Gundersen </strong>- Being out at a restaurant & talking to each other!</p> <p><strong>Don Gregor</strong> - Getting lost while driving/traveling. Met the most interesting people and had the most memorable times. </p> <p><strong>Ann Hazlewood</strong> - Sitting around talking to family</p> <p><strong>Ellen Clarke</strong> - Sitting around the kitchen table & everyone talking at once, miss it! </p> <p><strong>Christine Armstrong </strong>- Letters! I miss getting letters from friends and family in the mail box</p> <p><strong>Beverley Collison</strong> - Listening to stories of the older generation when I was younger. And telephone conversations.</p> <p>Did we miss anything? Let us know if there are other things that you miss from the pre-internet times!</p>

Retirement Life

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Three centenarians share their secret to longevity

<p>Reaching 100 years old is quite an achievement, especially for anyone hitting the milestone now. Back in 1916 the average lifespan for a man was 55, the average lifespan for a woman was 59 and the likelihood of making it to 100 was one per cent.</p> <p>Times have changed and now we have a raft of seniors around Australia hitting triple digits. To celebrate this incredible milestone, a group of centenarians have been honoured to a special morning tea at Government House in Melbourne.</p> <p>In an interview with <em>ABC Online</em> they shared some of their secrets to longevity. Follow this advice and we reckon anyone has a chance of making it to 100 years old.</p> <p>Jean Hills believes family is the key to success, telling <em>ABC Online</em>, "[I'm] thankful that I had so many marvellous relatives. Often people say they don't have anything to do with their relatives. It was the relatives that saved me and my family during the depression and gave us the opportunity to really achieve something."</p> <p>Jean also adds, “Don't go near the TV.”</p> <p>Stasys Eimutis on the other hand attributes his longevity to his passions and insistence to cut out drinking and smoking, “I have a workshop and I'm doing many things. I'm not going to bed in the night time, [I'm] always doing something. Mostly woodwork. I make musical instruments and organise a music group and I'm still playing. I'm the leader."</p> <p>For Annie Bernstein however, it all comes down to hard work, "I'm getting all the pleasure now from my daughter, my granddaughter and my grandsons and my great granddaughter.</p> <p>"They're lovely."</p> <p><em>Images: Getty</em></p>

Retirement Life

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7 things you should pass on to your grandkids

<p>No one wants to think about what will happen when they’re no longer around, but thoughtfully choosing what to leave to your family will ensure your memory endures long after you’re gone. Here are the 10 things you should pass on to your grandchildren to help them remember you as you always were.</p> <ol> <li><strong>Your passport(s)</strong> – What better token of your life is there than a chronicle of all the incredible places you’ve visited? Your passports will inspire those you love to pack up their bags and follow in your footsteps.</li> <li><strong>Your wedding album</strong> – By passing on your beloved wedding photos, long after you and your partner are gone, your love story will continue to inspire generations after you – and maybe offer some style ideas to vintage-loving brides-to-be in your family!</li> <li><strong>Something belonging to your parents</strong> – If you have an old possession that used to belong to a parent, grandparent or even great-grandparent, giving it to your grandchildren will ensure their ancestors will live on through future generations.</li> <li><strong>Something sentimental</strong> – Photo albums are all well and good, but passing on something you love, which is truly special to you, will always remind your grandchildren of you. Just imagine their smiles as they look down on a watch or ring gifted to them by their beloved nan or pop.</li> <li><strong>A photo of the first time you met them</strong> – Who could forget the first time they meet their newborn grandchild? Share this moment with them and write on the back of the photo just how you felt when you held them for the first time.</li> <li><strong>Your favourite music, books, and movies</strong> – There’s nothing like music to bring back memories of people and places. Fill a bag (or load a USB) with your all-time favourite songs, books and movies so your family will always have something to lift their spirits when they’re feeling down.</li> <li><strong>Stories</strong> – while possessions are great, stories and memories are what will endure for decades after you’ve gone. Any chance you get, share a memory or a story with your loved ones, whether it’s about your life or theirs, and get a conversation going.</li> </ol> <p><em>Images: Getty</em></p>

Retirement Life

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When babysitting your grandkids is not the retirement plan

<p><em><strong>Megan Giles is a retirement designer for women. She supports and coaches women approaching retirement to successfully transition and create a lifestyle that is fulfilling, meaningful to them and lights them up each day.</strong></em></p> <p>You’re retiring, or maybe you’re about to cut down to part-time hours and you can smell freedom in the air. You have the schedule for a pilates studio on your fridge, a list of restaurants to try, and a couple ideas for that abandoned corner of your garden. At last you have time to do all of those things you’ve always wanted to do.</p> <p>And then the phone rings. “Mum, now that you’re not working, it would be great if you could look after [grandchild] on a Friday…” And your heart sinks. You love your grandchild to bits, but a regular baby-sitting gig is not part of your plan.</p> <p>While this is the perfect scenario for many people approaching retirement, it’s important to recognise that it’s not for everyone.</p> <p>What happens if your family has other ideas for your life after work, e.g. caring for grandchildren, or they have assumptions about what you can and can't (or shouldn't!) do in retirement. Do you acquiesce and abandon your dreams or do you recognise the value of your time and dreams and decide to ‘just go for it’?</p> <p>The trouble with choosing to pursue your own path is the huge amount of guilt this can bring up, particularly for women. You feel that you should be there for your children and grandchildren. You know that your support will make their life easier as they have demanding jobs and because the cost of living and day care is expensive. Or perhaps you convince yourself that you do have the time and energy because, well, you’re not working anymore. But the risk that goes with this is that you start to feel resentful because you’re not being true to your dreams.</p> <p>Broaching this with adult children, however, can be a tricky thing to do. It brings up conflicting emotions including love, guilt, joy, fear and obligation and the last thing you want to do is make a loved one feel bad.</p> <p>In recognition of this, the following provides tips for sharing your retirement ideals with your family in a positive way:</p> <ul> <li><strong>Make an uninterrupted time to talk.</strong> While it might be an easy time to catch your children, try to avoid the early evening ‘witching hour’ when feeding and bathing can create mayhem</li> <li><strong>Share your goals.</strong> Rather than assuming your family know what will be important to you, let them know what you would like to get out of retirement, particularly while you are active and have good health</li> <li><strong>Articulate your concerns or fears.</strong> Let them know, for example, that you worry about being able to keep up with your energetic grandchild, or that you risk letting them down in the longer term when you decide to go travelling and can’t do that regular Tuesday ‘gig’</li> <li><strong>Listen to what it is that your adult children are seeking</strong> and see if you can come up with alternate options together (it doesn’t always have to be one thing or the other)</li> <li><strong>Let your family know that you love and care for them unconditionally.</strong> Not being able to provide regular baby-sitting duties does not mean that you love them any less</li> </ul> <p>As the saying goes, you first have to look after yourself before you can look after others and this applies especially in retirement. However uncomfortable it may seem initially, have the conversation in order to understand and align both your and your family’s expectations, and then give yourself permission to follow your dreams in retirement!</p> <p><em>Images: Getty</em></p>

Retirement Life

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How to leave a legacy to look after those you love

<p dir="ltr"><em>It can be difficult getting on top of your own finances, and knowing how to prepare for the transition to the next generation, but with these tips from financial expert Jacqui Clarke, it has never been easier to manage your money, “so it doesn’t manage you”. </em></p> <p dir="ltr">Leaving a legacy involves more than just material wealth. It encompasses the values, memories, and support you provide to your loved ones even after you're gone. A legacy is the enduring impact and influence you leave behind, shaping the lives of others and the world around them. To be honest, in the context of family and looking after those that you love, it’s something that’s being created from the moment your children or grandchildren, nieces or nephews are born. Legacy can simply be the way you do things and ensuring your descendants know this. For others it might be a lifelong passion project that you want to continue supporting after your lifetime.</p> <p dir="ltr">To ensure your way, your wishes and your wealth are successfully transitioned to the next generation and create an enduring legacy there are 3 crucial steps to consider. Let’s delve into the significance of these elements and explore practical steps you can take to leave a lasting legacy that will benefit those you care about the most.</p> <p dir="ltr"><strong>1. Understanding Estate Planning </strong></p> <p dir="ltr">Estate planning is the process of organising and distributing your assets after you pass away. It allows you to have control over who receives your property and ensures your wishes are carried out effectively. By engaging in estate planning, you not only protect your loved ones from potential legal disputes and unnecessary financial burdens but also provide them with a clear roadmap for the future.</p> <p dir="ltr">Start by taking inventory of your assets, including your savings, investments, real estate, and personal belongings. Next, consult with a qualified estate planning lawyer who can guide you through the creation of essential documents such as wills, power of attorney and possibly testamentary trusts. These legal instruments will help safeguard your assets, minimise tax liabilities, and ensure that your loved ones are taken care of according to your wishes, forming a solid foundation for your lasting legacy.</p> <p dir="ltr"><strong>2. Communicating Your Intentions </strong></p> <p dir="ltr">Effective communication is essential when it comes to leaving a legacy. Clearly expressing your intentions and discussing your estate plan with your loved ones can prevent misunderstandings and conflicts down the line. Initiate an open and honest conversation about your plans, and explain the reasons behind your decisions. This will help your family understand your intentions and provide them with peace of mind during a potentially challenging time.</p> <p dir="ltr">While discussing your estate plan, it's vital to listen to your loved ones' concerns and consider their perspectives. Encourage dialogue and address any questions or uncertainties they may have. Engaging in these conversations demonstrates respect for their opinions and fosters a collaborative approach to legacy planning.</p> <p dir="ltr">By effectively communicating your intentions, you lay the groundwork for a legacy that encompasses not only financial assets but also the values, memories, and guidance you wish to pass on to future generations.</p> <p dir="ltr"><strong>3. Incorporating Non-Financial Aspects </strong></p> <p dir="ltr">Leaving a legacy isn't limited to financial matters and serious hiccups can occur if you miss this one. Consider the non-financial aspects that make up your legacy, such as your values, traditions, and life lessons. Take the time to document your family history, personal anecdotes, and insights that can guide future generations. This could be in the form of a written memoir, video recordings, or audio messages. As an example, my parents loved touring Australia, so I asked them to provide me with all their road trip planning documents, another example are collating the recipes from my grandmother and wanting to ensure these weren’t lost.  </p> <p dir="ltr">Family gatherings are a brilliant opportunity to promote a sense of openness about your planning. It’s a good time to chat about family heirlooms and meaningful possessions with your family members, not just your sentimental items but asking them if you hold something that carries sentimental value to them. You might be surprised by the reaction you get. Seemingly everyday “things” may serve as a special reminder of your love and the unique bonds you share.</p> <p dir="ltr">Your legacy encompasses not only the tangible assets you leave behind but also the intangible gifts of wisdom, love, and values that shape the lives of your loved ones. By incorporating these non-financial aspects into your estate plan and actively transmitting them, you ensure that your legacy extends beyond material possessions and leaves a profound impact on those you cherish.</p> <p dir="ltr">Leaving a legacy is about more than just divvying up your net worth. Through estate planning, effective communication, and the incorporation of non-financial aspects, you can shape the future and ensure that your loved ones are well taken care of. </p> <p dir="ltr"><strong>Jacqui Clarke FCA, FTI, GAICD, JP, author of <em>Stop Worrying About Money </em>(Wiley, $29.95), is a trusted advisor, board member, executor and veteran business executive. </strong></p> <p dir="ltr"><strong>As a personal wealth and money management expert and over three decades of experience, 25 years at Deloitte and PWC helping high-net-worth families, individuals and business owners to build, manage and preserve their wealth. Her message is simple: with careful planning and effort, you can manage your money, so it doesn’t manage you.<a href="https://www.jacquiclarke.me/"> https://www.jacquiclarke.me/</a></strong></p> <p dir="ltr"><em>Images: Getty</em></p>

Retirement Life

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90-year-old-with chronic leukaemia skydives for charity

<p>A thrill-seeking 90-year-old has celebrated her birthday - in what some would call an unconventional manner for her age - by skydiving, and raising £5,000 for a homeless charity in the process.</p> <p>Shirley Robinson, from Long Clawson in Leicestershire, jumped out of a plane at 14,000ft for the fundraiser at Skydive Langar in Nottinghamshire.</p> <p>Shirley, who was diagnosed with chronic leukaemia in 2022, raised funds for Crisis, a charity that provides help and support for homeless people.</p> <p>She told <em>BBC News</em>, “It's just wonderful how generous people have been. It's lovely.”</p> <p>Footage of her dive saw Shirley styled in a bright blue jumpsuit as she was cheered on by family and friends before getting on the plane.</p> <p>She smiled and waved at the camera as she was strapped to her skydiving instructor.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/CsZGxykN0PN/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CsZGxykN0PN/?utm_source=ig_embed&amp;utm_campaign=loading" target="_blank" rel="noopener">A post shared by Skydive Langar (@skydivelangar)</a></p> </div> </blockquote> <p>After Shirley’s adrenaline packed skydive, she landed safely in a field and can be heard in the video exclaiming, “That was wonderful.”</p> <p>When asked about her favourite part of the experience, she responded, “That was lovely, going through the clouds.”</p> <p>She confessed afterwards that the free fall was a “bit breathtaking” but she “loved it” before thanking her instructor for looking after her.</p> <p>Shirley returned to a hero’s welcome with her beaming friends and family congratulating her.</p> <p>A spokesperson for the charity said, “We want to say an enormous thank you to Shirley for the incredible amount of money she has raised.</p> <p>“Shirley's donation will provide vital support for people experiencing or at risk of homelessness. We're so grateful.”</p> <p><em>Image credit: Instagram</em></p>

Retirement Life

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7 hot things to do this winter

<p>The best thing about winter in Australia is that in most parts of the country the weather doesn’t stop you from spending time outside. While swims at the beach might be out, there are still many things you can do out in the fresh winter air. We’ve rounded up some of our favourites.</p> <p><strong>1. Christmas in July picnic</strong><br />While people may think picnics are a summer-only activity, when it’s a sunny winter's day there is nowhere better to be than outdoors. As long as you suitably rug up, a picnic in your local park with family and friends is the perfect way to spend the day. With July coming up why don’t you get your family and or friends together and throw a Christmas in July party. It’s even an appropriate time get out the Christmas jumpers – something we cannot do on December 25th in this country.</p> <p><strong>2. A trip to the zoo</strong><br />Visiting the zoo is a great day out for all, young and old. Many zoos across the country put on special shows and activities during the school holidays (think June/July), so this is a great time to think about taking younger family members or the grandkids.</p> <p><strong>3. Wine and cheese tasting</strong><br />Whether you want to head out to some wineries for the day or have your own wine and cheese tasting soiree at home, winter is the perfect time to kick back with a lovely glass of red and a platter of cheeses. While Australia has many amazing wineries that everyone should try, we also love the idea of holding a wine tasting party. You can assign one type of wine to each of your guests and even theme the day (wines from one country or each person brings a wine from where they grew up) to make it more fun.</p> <p><strong>4. Walk in a national park</strong><br />We are so blessed with beautiful national parks in Australia, and many of them have lots of walking trails ranging from easy to more strenuous. While rainy, snowy or extremely windy days won’t be ideal for heading out for a walk, the crisp winter air combined with the sun offers the perfect conditions for a long walk. Just don’t forget a raincoat, some water and your mobile phone in case you need them.</p> <p><strong>5. A day trip to a remote pub</strong><br />Life is all about experiences and they say that those who mix things up, are generally happier people. So quick, get out of town for the day. Research small towns nearby and look for a lovely pub to go for a nice lunch at. You might even want to make a special playlist of old songs to make the car journey extra fun.</p> <p><strong>6. Have a bake off with your friends</strong><br />It is winter, so there are bound to be some rainy or snowy days. On these days when you’re restricted to indoor activities, why not invite the grandkids, family or friends over and have a mini bake-off. Competition aside, at the end of the bake-off you’ll have some warm treats to enjoy with a nice cuppa.</p> <p><strong>7. Start a winter book club</strong><br />There’s no better time to start a book club than during winter. Not only is winter the perfect time to curl up on the couch with a blanket and catch up on reading, it is also a time when you’ll be more inclined to spend time indoors by the fire or heater. Why not turn your extra time spent reading into a book club? It gives you an excuse to catch up and spend hours on end chatting with friends – even if the conversation veers away from the book.</p> <p><em>Images: Getty</em></p>

Retirement Life

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How to beat the retirement blues

<p>When people plan their retirement they don’t usually expect Post retiring depression (PRD). This kind of depression usually stems from dashed expectations, financial trouble or feeling lost and lonely. That’s why we’ve got four top tips to avoid PRD and enjoy your free time.</p> <p><strong>1. Plan it out</strong></p> <p>Know what you want to do, not what you think you should be doing. Don’t hold back in indulging yourself, travelling the world, volunteering abroad – the temporary discomfort of not knowing is better than realising when it’s too late that you never completed your bucket list.</p> <p><strong>2. Routine</strong></p> <p>A sudden lack of structure can become exhausting or at least unsettling. Schedule activities such as exercise, housework, errands, and social time. Then let the day flow from there.</p> <p><strong>3. Keep active</strong></p> <p>There is a lot of research to show that the people who cope best with retirement are those who stay active and involved. This might include:</p> <ul> <li>Developing an old hobby or starting a new one. </li> <li>Staying physically active, through walking, swimming, gym or sport. Make sure your exercise routine is appropriate for your physical capacities and limitations. </li> <li>Volunteering with a charity or church group. </li> <li>Working part-time. </li> <li>Studying a course.</li> </ul> <p><strong>4. Stay in touch</strong></p> <p>Loneliness and isolation can be easily avoided, so don’t fall into the trap of feeling alone. Make the effort to stay in contact with family and friends. Offer to babysit your grandchildren. Check out local community centres for upcoming activities you might enjoy. Even if you're not sure try something new, you might surprise yourself!</p> <p><em>Images: Getty</em></p>

Retirement Life