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Retirement Village patriarchy

Retirement Village patriarchy 

March 8, 2021
, , , , , Development & Sales, Management & Operations

Patriarchy is a social system in which men hold primary power and predominate in roles of political leadership, moral authority, social privilege and control of property.

My daughter will be 18 years old this month. I find it hard to believe, and yet it is true. Soon she will  no longer require a lift to the beach or anywhere else, as she spreads her wings and finds her feet in  this world. A world dominated by men and in which she must learn to thrive. I have little doubt that  she will do so! 

Facing the reality of her pending adulthood has brought about a change in me too. It is a change that  has perhaps come late in my life, but I have a few years of fight left in me and I sense the need to be  less complicit in a situation that requires urgent attention. 

My work focus over the past ten years has been to understand and improve the so-called “Retirement  Village”. “Retirement” is an irksome term, but it is useful because everyone knows what you are  talking about – that stage of life when many people sense the need to gear down, take an interest in  less money-making activities and “smell the roses”. For some that stage is at age 55 and for others it  is at age 88 – or it never comes. 

It will come as a shock to nobody that many retirement villages and retirement organisations are dominated by men – especially during the early years of development. I have been comfortable in  that environment, but am becoming less and less so, as I have begun to realise the very far-reaching  impact of that male domination. 

An 88-year-old lady recently stood up rather shakily in a meeting and asked whether I did not think  that the organisation that owned the village in which she lives, should not have at least one woman  on the board of trustees. I had to agree, despite being employed by those same good gentlemen. 

Too often, houses and common facilities are designed by men, the engineering is done by men, men  run the service organisations and men run the village as trustees, directors and committee chairmen. 

This all despite the fact that the vast majority of retirement villages (if not all) are mostly populated  by ….. WOMEN! 

Women outlast men by a significant factor, and while this is an uncomfortable reality for men to face,  it is a fact. Almost from the first batch of occupants, women will be in the majority. 

Surely there is a pressing need for more women to take an interest in influencing the early  development of retirement villages. More property developers need to have women involved in the  reviews of house layouts and in the types and formats of services offered. 

It is heartening to see the level of female involvement in the management of certain villages. There  is no shortage of talent and strength, and one has to wonder why in some villages, so few women  stand for election as trustees. Perhaps they have little appetite for the power-plays within the male dominated boards of trustees – often comprising several ex-captains of industry? 

If this matter is to be remedied, women will have to step up and men will have to step back – realising  that women must shape the environment that they will live in for the longest. Their needs must thus  be placed first. 

Author: Rob Jones: MD – Shire Retirement Properties (Pty) Ltd

Shire Retirement Properties (Pty) Ltd (Shire) is based in the Western Cape Province of South Africa and specialises in the provision of a range of services focused exclusively on the retirement industry.

Reasons to start a business in retirement

Reasons to start a business in retirement

January 25, 2021
, , , , , Residence & Lifestyle, Shire

ENTREPRENEUR LEADERSHIP NETWORK  writer – Connie Inukai, wrote the following on January 22, 2021:

“If sitting around just isn’t your thing, then retirement is the perfect time to live out the dreams you may have put on hold. Simply filling empty hours with pointless recreation may feel like the opposite of freedom for many of the 72 million U.S. baby boomers, who have worked their entire lives. Launching your own business may be your ideal “retirement lifestyle.”

Six reasons to start a business in retirement

Stay active

Studies have indicated that the average retiree will experience a significant health issue within six years of retirement, commonly including heart disease, stroke, arthritis and depression. Staying motivated, active and connected is the best way to combat health declines due to aging. Being active includes exercising daily. Exercise may seem like a daunting task, but it’s easier to be active than one might think. A great way to stay active is to start a business, which involves packing materials, going to the post office and attending networking events. All of this gets your blood pumping.

Keep mentally alert 

The brain needs regular exercise, too. One way to improve your quality of life is by keeping your brain active through continuous learning. The day you stop learning is the day you start becoming old, no matter your biological age. Staying mentally active can reduce the risk of dementia and Alzheimer’s disease. Learning how to run a business and planning marketing campaigns will keep your brain active.

Pursue a passion

You don’t stop dreaming at 50. Find that niche that you are really passionate about. Research has shown that having a purpose in life can lead to a longer life. If the main goal is not to make money, then dig into your interests and hobbies and focus on something that brings you joy. If you enjoy woodworking or needlecraft, consider selling your handmade items online (e.g., Etsy) or at local fairs. When you have time on your hands, there are few barriers to turning your hobby into a business.

Supplement your pension or income

You may be relying on reduced income after you retire. A small business could provide support for staying on top of bills, paying down debt or tucking away for a rainy day. You might want to rethink your former career. For example, I used to be a college writing professor. I now use those skills to guide people in writing their life stories.

Stay social

Maintaining strong social ties is essential for aging adults to feel a sense of purpose and avoid feelings of loneliness or depression. Nearly one-half of all older Americans report feeling lonely sometimes or always. Leaving a job may mean giving up most of your daily social interaction. By starting a business, you can replenish some of that interaction — with customers, suppliers, postal carriers and other professionals. There are also plenty of online communities for small-business owners where you can get advice and meet people with similar interests.

Give back to the community

  • Volunteer at a school: Public schools, in particular, are chronically underfunded and in need of volunteers for a wide array of tasks: tutor, crossing guard and mentor. There are always kids and teachers who need some help.
  • Work at a hospital: Volunteers receive thorough training for the particular positions and annual refresher courses are common, the American Hospital Association says. Some typical volunteer roles include visiting patients, working at the gift shop and assisting in blood drives.
  • Get involved in politics: Volunteer for a political crusade, grassroots organization or political action committee. You can also work for a candidate you support.
  • Help on a hotline: Suicide hotlines exist in almost every city, manned by volunteers. This is obviously an important — even life-saving — way to help. Help lines are also available for people who just need to hear another voice.
  • Contact animal shelters and humane societies: Local animal shelters and humane societies need volunteers to care for animals, organize fundraising events, perform administrative tasks, and help rescue pets in the wake of natural disasters such as floods and fires.

The best retirement business ideas start with what you know. If the goal is not necessarily to make money, dig into your interests and hobbies, and choose something that brings you pleasure. If you are looking for something new, here are some ideas.

  • Services. Babysitting, pet sitting, guiding tours and interior decorating are activities that can keep you physically active and social while focusing on your community and picking your own hours.
  • Handcrafted goods. What are you already doing in your spare time? Things to make and sell might include soap, candles, jewelry and pottery.
  • Courses. You have a wealth of life and work experience! How can you monetize what you know?  Teaching online courses may require more work upfront, but it offers excellent margins and takes minimal effort in the long run. In addition, you can work from home.

Take control of your life

It just doesn’t make sense to throw away all your knowledge and experience just because of a particular date on the calendar. With life spans increasing, you could easily change your career when you’re 50 or 60 or embark on an exciting entrepreneurial venture for the next 20 to 30 years. So why be stuck in a dull retirement when you can take control of your life and do something interesting, rewarding and fulfilling while contributing to society at the same time?”

To continue reading the rest of the article, click on this link.

Shire offers interactive workshops on considerations when buying your retirement home. To contact us, click here.

 

 

Practice makes perfect when it comes to retirement

Practice makes perfect when it comes to retirement

November 23, 2020
, , , Residence & Lifestyle

Rightwealth Advisors recently wrote “Retiree in Training: Practice makes perfect when it comes to retirement”

“Are you ready to retire? Are you sure? Think about it before you say, “Yes!

Most of us really look forward to the idea of well-deserved, unstructured free time. A time to do exactly what we please when we please – travel, spend time with family, pursue hobbies, volunteer. Until we get there. The 2018 Global Retirement Reality Report found that only 53% of Americans said they were happy in retirement. Some retirees underestimate how long it takes to adjust to what may be a radically different lifestyle; others miss their friends from work; still others find themselves with too much free time on their hands between grand adventures and visits with the grandkids.

Like all major life events, transitioning to a retirement lifestyle can be a major adjustment and comes with a few hiccups along the way. One day, you may go from your seat at the top as a powerful executive to a lounge chair in your living room with the TV or Fido for company. The point is, without your career to define you, what will?

Finding the answer takes a lot of preparation – emotionally, physically and financially – and a lot of thought. While the financial component is critical to a sustainable retirement, so is your quality of life. Too few people consider the psychological factors, which include letting go of your career identity, shifting social networks and spending more unscheduled time with your spouse, as well as the need to find new and engaging ways to stay active.

It’s crucial that would-be retirees invest in their social, physical and psychological needs as well as their financial ones. And that takes planning. Here’s what we mean.

All or Nothing?

It turns out you don’t have to go all-in on retirement. You can transition into it, while still working. In the years before you plan to retire: Practice. Try out different aspects of your proposed retirement and see if they are as fulfilling as you imagined. If traveling is on your agenda, start with extended trips to areas of interest. Pickleball more your cup of tea? Practice now to ensure it’s as fulfilling as you hope. Doing so, while you still have a job, can help with your eventual satisfaction in retirement. You may find you prefer a sort of hybrid retirement that perfectly blends work and leisure into the ideal mix for you.

You’re looking for fulfilling activities that also fill up your time in meaningful ways. Having an emotional connection, a purpose, to your activities helps motivate you and creates a sense of contentment. So it’s important to really give some thought to what makes you happy. Allow yourself the luxury of introspection and give yourself permission to enjoy your 60s, 70s and beyond using the money you’ve saved specifically for this purpose.

Once you have a good idea of what makes life more meaningful for you, take the time to experiment, explore and reflect on both your leisure and work options (e.g., part-time, consulting, moving to a new industry) to find the right balance of time, money, work and play that will become your retirement lifestyle. This work-and-play approach works best for those near traditional retirement age who are willing and able to work longer in exchange for getting a good read on their retirement readiness.

Consider the Work Perks

There are several benefits of continuing to work, in any capacity, while you try on retirement for size. The additional income can help you:

  • Avoid drawing down your retirement savings, allowing time for potential future growth.
  • Start enjoying the retirement lifestyle that will be most fulfilling for you.
  • Pay down unnecessary debt or splurge on a large purchase.
  • Stretch your retirement savings. Even a part-time salary will reduce the amount you’ll need to withdraw. For example, making $10,000 a year is enough to replace a 4% annual withdrawal from a $250,000 portfolio.
  • Delay taking Social Security, until age 70. Each year you wait adds 8% to your monthly benefits.
  • Reduce out-of-pocket healthcare costs since you’ll still be covered under employer-subsidized insurance.

To get into the right mindset, first figure out if you really want to retire and what that may look like. Imagine how you’ll spend your days as well as what a typical day would look like. Ask yourself:

What current activities do I want to continue in retirement?

  • What new things do I want to learn or do?
  • Who would I like to see more of and how often?
  • Where would I like to travel?
  • What role does work play in my life?
  • What brings me joy?

A Change of Pace

Of course, everyone’s vision for retirement will be different, and any decisions about this important phase of life should be based on your financial situation and comfort level. If continuing to work while dipping your toe into the retirement waters appeals to you, run the idea past your financial advisor to determine if the idea is feasible. He or she can help you determine if a more gradual approach could help you adjust emotionally and financially, so you can achieve the ultimate reward: a happy, fulfilling new life.”

If you ever wondered what to do with your time once you retire, click here.

The key to retirement well-being, is to develop a diversified “life portfolio”

The key to retirement well-being, is to develop a diversified “life portfolio”

November 13, 2020
, , , Residence & Lifestyle

Steve Vernon wrote “Secrets Of A Successful Retiree: From A Retirement Professional” for Forbes online. He writes:

“What are the retirement planning strategies that an internationally recognised retirement expert successfully has used to plan her own retirement? There’s plenty you can learn from Anna Rappaport, a researcher, consultant, author, and speaker on a variety of retirement planning topics.

Rappaport is also a past-president of the Society of Actuaries and the current chair of its Aging and Retirement Research Initiative Steering Committee. In that role, she puts a special focus on women’s retirement security, which differs in some key ways from retirement security in general.

Recently, Rappaport shared her personal perspectives on and experience with retirement in a guest post written for Nerd’s Eye View, the influential blog from Michael Kitces for financial advisors. Her post, titled “Reboot, Rewire or Retire? Personal Experiences With Phased Retirement and Managing A Life Portfolio,” focuses on the non-financial aspects of retirement. She believes these goals are just as important as creating financial security in retirement.

Rappaport believes that the key to retirement well-being, is to develop a diversified “life portfolio” consisting of:

  • Health
  • People (family, friends, professional contacts)
  • Pursuits (work, volunteering, hobbies, community activities, travel)

Much of current retirement literature and advertising focuses on the “vacation” aspects of retirement, with dreamy pictures of couples walking on the beach at sunset, hand in hand, or holding rum drinks with miniature umbrellas. But Rappaport appropriately points out that a vacation is a break from what we normally do. “People who retire with the idea of an endless vacation are likely to be disappointed or bored within a year or two, if not sooner,” she says.

Rappaport’s post details the various ways that people can continue working, earning, and remaining engaged in their retirement years. She provides interesting insights for people who’ve held senior positions or visible roles during their careers. She advocates making a conscious choice between being known as “me, today” vs. “me, former vice president/director/partner/important title.” She has chosen to be known as “me, today” but describes her extensive former roles in her bio.

Rappaport also advocates planning with the rest of your life in mind. Too often, people approaching their retirement years plan for the “go-go” period of retirement and overlook the inevitable “slow-go” and “no-go” periods of their lives. Sooner or later, spouses, family, and friends will need support and care, and it’s important to be there when they need help. And eventually, you might need help, too, from the social network that you’ve carefully nurtured.

The last lines of Rappaport’s post are compelling: “Some things require a lot of vitality. Do them now while you can. You never know when limitations are coming.”

Some people use these type of thoughts to justify spending lots of money on that cruise to Tahiti they’ve always wanted to take. While that might be fun, don’t blow your savings and end up jeopardizing your financial security in your remaining years.

Better yet, consider Rappaport’s final advice as motivation to work on any unfinished business in your life. This might range from reconnecting with family and friends you haven’t seen in a while to taking up a cause or interest that you’re passionate about or even working on your “bucket list.” It can be one way to lead a fulfilling life without spending a lot of money.

Rappaport’s wisdom can help older workers and retirees better prepare for an enjoyable and fulfilling retirement. While this post just skimmed some key and unique highlights of her post, it contains many more insights and details, and would be a great read for anyone approaching their retirement years.”

To read the rest of the article, click here.

If you ever wondered what to do with your time when you retire, click on this link.

Shire Retirement Properties (Pty) Ltd, is dedicated to the development of a mature retirement industry for South Africa, with broad sharing of knowledge, best practices, improved transparency and standards – all in the best interests of those who wish to retire with peace of mind.

What to do with your time when you retire

What to do with your time when you retire

November 6, 2020
, , , Residence & Lifestyle

Some choose retirement, and some have retirement thrust upon them. When it comes to figuring what to do with the decades of free time facing modern retirees, why not take an inventory of what you find most important, whether it be leisure, socializing, contributing to a community or cause, or pursuing hobbies. Work also may be the most important thing, either for the income or for the sense of identity. Research shows that more than half of people over 60 say they will work after retirement.

Here are some ideas for retirees deciding what to do with their days.

Work as a Consultant

People with skills and knowledge to sell to individuals or companies can become consultants, a job with plenty of flexibility for free time. Consulting requires the ability to market and sell those skills, and it can take a while to build up a clientele.

‘Boomerang’ to Part-Time Work

Some companies are finding that, by hiring back retirees part-time or as needed, they get the expertise of long-time workers, while the former full-timers get to keep up professional skills and develop new ones. It’s best to plan this — sometimes called “boomeranging” — before retirement, but it’s never too late to look.

Start a Mastermind Group

For some, retirement from a day-to-day job just opens up time to try another business. Senior entrepreneurs don’t need to go it alone. Look through your address book, find other smart retirees, and form a mastermind group that meets regularly to share connections, advice, and experience. It’s like having an instant board of directors, while joining a bunch of other boards.

Work at a Non-profit

Many retirees seek to turn work experience into a second career at a non-profit. Organisations tap into people’s desire to find meaningful work that gives back to the community. They partner with groups all over the country, serving as a placement network for “second acts.”

https://en.wikipedia.org/wiki/Category:Non-profit_organisations_based_in_South_Africa

Work in a School

Public and private schools have opportunities even for people without teaching degrees. Teacher’s assistants, tutors, and crossing guards are all needed at schools and don’t require experience as an educator.

Become a Tour Guide

People with outgoing personalities can become tour guides. It’s not necessarily easy. Becoming a licensed guide means passing a background check as well as a rigorous test of arcane knowledge specific to the relevant industry. Although no one will become rich as a guide, some people can have a pretty good time and make money passing on their excitement about where they live.

Work at a Hobby

Work isn’t work if you love to do it, which some retirees discover by turning a lifelong passion into a paying proposition (easier when it’s not the sole source of income). A retiree loved restoring antiques in his garage as a hobby, and now he has a partner who helps him turn old barn doors into shelving and coffee tables for sale. A love of gardening could lead to a job in a plant nursery; a love for animals could translate into a reception job at a vet’s office.

Travel in a caravan

Freewheeling seniors can take advantage of a loose schedule by touring the country in a caravan. Whether to buy or rent depends on whether this is going to become a lifestyle or just a one-time caravanning holiday. Having a built-in kitchen and bed can save on meals and hotels during long-term travels.

Visit National Parks

South African National Parks (Sanparks) offer discounts on normal tariffs to people 60 years and older provided the reservation is made in the name of the qualifying person. Social pensioners are those receiving old age, family and disability allowances as well as blind persons.

https://www.sanparks.org/

Take Advantage of SAARP Benefits

One of the greatest advantages of retirement is the ability to go traveling at the drop of a hat (or the sighting of a great deal), with no work or school schedules to get in the way. SAARP offers discounts to make your holidays much more affordable.

https://saarp.net/

Go to Camp

Another way to get away from it all is to go to camp — a camp meant for seniors. Some concentrate on basic camp experiences, such as archery, boating, and campfires, while others focus on particular activities such as wine tasting, bird watching, or the arts. Some are adults-only, and some offer shared experiences with grandchildren. Adult camps aren’t necessarily in the summer, and some last for only a weekend, including some pricey fantasy camps that indulge the inner child and let grownups be cowboys or train for spaceflight.

Become a Road Scholar

Educational travel adventure tours that let grandparents bring grandchildren along, is also popular amongst the over 50’s. The tours encourage learning and interacting with people wherever members go, not just sightseeing. Some trips to remote locations involve hiking, canoeing, or a lot of walking and climbing, which are indicated so people with limited mobility can assess whether a trip will be appropriate.

https://www.tourradar.com/pa/seniors-d-south-africa

Take Advantage of Rail Discounts

Luxury takes on a new dimension with The Blue Train or Rovos rail. You’ll feel it the moment you step into the pre-departure lounges in Pretoria or Cape Town. A warm-hearted South African welcome – taking guests through some of the most breath-taking countryside to be found anywhere in the world.

https://www.luxurytrains.co.za/

Teach ESL Abroad

One way to experience another country without having to shell out for so many travel expenses: Get certified to teach English as a second language. Demand for ESL teachers is high.

https://www.lifefromabag.com/guide-to-teaching-english-abroad/

Teach ESL at Home

There are also plenty of people in this country who need to learn English as a second language. Tutors work with them one-to-one on reading, writing, speaking, and sometimes on just getting by in a new setting. Tutoring requires very little training, although teaching a class requires TEFL certification. Finding volunteer positions is easy, starting with classes, conversation groups, or tutoring at municipal libraries.

Find Volunteering Opportunities at Home

For retirees, a volunteer position can mean supporting a favourite cause, helping people in need, or giving back to the broader community while building new skills, widening social circles, staying engaged, and broadening your point of view. Find a position through volunteer databases such

https://www.projects-abroad.org/volunteer-south-africa/

Build with Habitat for Humanity

Habitat for Humanity has one- or two-week stints in locations all over the world to build housing, upgrade existing homes, help with disaster recovery, or bring stability to children in need.

https://habitat.org.za/

Join the Peace Corps

The Peace Corps is an excellent way to get immersed in another culture while doing good — and it’s not just for young people. The organisation is making a play to recruit more mature volunteers, who bring lifetimes of expertise and experience. The Peace Corps often requires a two-year commitment and proficiency in another language.

https://www.peacecorps.gov/south-africa/

Get Back to Playing Music

Retirement can bring to the fore things you may have puttered around with for years but never had time to really concentrate on. Tony Smith used to play guitar in a band when he was young but let the skill slip as he made a living as a middle school music teacher. Now that he has retired, he’s back on the bar circuit, playing gigs all over Cape Town, including every open mic night he can get to.

Take Up Writing

Even people side-lined by disability or illness can write. If the act of putting pen to paper or fingers to keys is difficult, phones, tablets, and computers have software to turn speech into text. Writing the memoirs of a remarkable (or even ordinary) life can be cathartic for the writer and eye-opening to those who read it. People who have never written before might find it difficult to start such a project, but there’s plenty of help out there from sites such as SA Writer’s College.

https://www.sawriterscollege.co.za/

Rediscover Art

Revive a love of art by taking up drawing or painting. This doesn’t require a lot of supplies to start — for drawing, just a pad and a set of pencils or some charcoal will do. To begin, there are free lessons online on www.art.co.za and other websites, but taking a class opens up a new social circle. Almost every community college has some sort of art classes, and often a senior tuition waiver is available to lower the cost of those classes.

www.art.co.za

Give Photography a Shot

Even a basic point-and-shoot camera is fine for newbie photographers. Photo and camera clubs can pick up from there, offering companionship, mentoring, and a venue for exhibiting work. Talk to people at local camera stores to find out where the nearest clubs can be found, or try

https://www.thephotographyinstitute.co.za/

Turn Textiles into Art

Knitting, sewing, weaving, embroidery, and quilting used to be done in social circles or bees — and they are again. Knitting and fabric stores are often the sites of comradely needle artists, and libraries in some communities also offer classes and a place to share patterns, experiences, and skills. My Dream Course is but one of many websites to visit for classes and online courses

http://www.mydreamcourse.co.za/

Get Fired Up About Ceramics

Wheel throwing takes a bit of strength and physical dexterity, but hand building can be practiced for a lifetime. Ceramics is not the kind of thing that can be accomplished at home, as it requires a kiln to fire pieces, so the art form lends itself to socializing. Classes can be found at most community colleges or art schools.

Make a Movie

Some people turn the simple home movie into a real production. If that sounds familiar, perhaps moviemaking would be a natural fit. Start by auditing a class at a community college or municipal cable access station with basic equipment, where you can discover which part of film you prefer — writing and directing, for instance, or the more technical aspects.

Sound Out Podcasting

The online, downloadable equivalents of radio shows are fairly simple to produce for people who are computer adept and capable of writing and recording a script on a consistent basis — weekly, for instance. The folks at Digital Trends explain how to make any type of podcast, whether it be personal thoughts, a scripted show such as a serial, or a way to highlight music.

Garden for the Planet

Every person with a garden looks forward to having more time to devote to the earth once they retire. Retirees can turn their plots into habitats for pollinators such as honeybees and butterflies, which are disappearing from the planet. This requires abandoning pesticides and growing certain plants to attract the creatures. Life is a Garden has information about how to do that and reap a garden full of butterflies.

https://www.lifeisagarden.co.za/plants-for-the-planet-the-eco-benefits-of-plants-and-gardening/

Garden Like a Master

Take gardening expertise one more step and become a master gardener. Every province has master gardener training that accepts people who are passionate about growing and have some skills to offer – dedicated to promoting all horticulturally related businesses and events in South Africa.

http://horti.co.za/

Take Care of Animals

Pet sitters get to indulge the desire to be around animals, usually dogs or cats, which is especially helpful if the rules of their own home prohibit pets. Local pet-sitting companies often advertise for workers with signs in vets’ offices or stores that sell pet supplies, but retirees can go independent and put up their own signs advertising for clients. Pet lovers who enjoy being outdoors and are strong enough to handle several dogs at once can also be dog walkers.

Foster a Pet

Owning a pet seriously limits the time that can be spent away from home. If a lot of travel is part of the retirement plan, yet you love to have animals around, become a foster parent to a local shelter. Foster homes provide temporary care to rescue animals, those being treated for an injury, the very young, or those otherwise temporarily unfit for adoption into a permanent home.

Look Within

Many people become more attuned to the spiritual as they age, and some studies show that people with deeper spiritual connections have more positive relationships with others, and greater mental and physical health. Churches, synagogues, and other religious institutions welcome newcomers.

Stay Fit

There is little that will keep retirees younger than beginning the exercise regime they always meant to establish. One of the best exercises, requiring nothing more than a good pair of shoes, is walking — even people who have been sedentary all their lives know how to do it. Beginners can start with a regimen such as the one proposed by the Mayo Clinic. If bad weather is a deterrent, joining an inexpensive gym is an option.

Try Yoga or Pilates

Yoga is as an ideal form of exercise for older people. Because it is gentle and there are no jerky movements, it is unlikely to lead to injury. Pilates is a similar form of exercise that is meant to strengthen the core, and the Mayo Clinic says it promotes the flexibility that seniors might start to lose. Although both can be done at home with a video, it’s probably a good idea for beginners to take a class with an instructor who can help with proper form and alignment.

Strengthen Your Personal Bonds

During the work years, a lot of time that could be spent with family gets limited to vacations and stolen moments. Retirement gives people the opportunity to renew family ties and spend quality time with grandchildren, and meet friends for lunches that last as long as the conversation does. Rather than going out on weekends, groups of friends can visit during the week, when gathering places are less crowded.

Leave a Tasty Legacy

Of the many things that can be passed down to family members, the most memorable often have to do with food. A cookbook of family favourites is a good way to bring family members together with shared recipes and memories. Copy centres can bind these recipes together into keepsake books.

Climb the Family Tree

Making a family tree is a chance for each member to tell their stories. Myheritage.com has tips on how to bring historical documents and family artifacts into the tree to make it more meaningful, and where to look for information that goes back further in time than any living member can recall.

www.myheritage.com

Become a Lifelong Learner

The University of the 3rd Age, Cape Town (U3A C.T.) is the springboard from which all U3A activities in South Africa took off.  It was launched at the millennium, has grown by leaps and bounds, splitting itself and giving birth to offshoots along the way. The objective is to offer mental and physical stimulation and socialisation to senior citizens, through opportunities for life-long learning for learning’s sake, in the company of interested peers.

http://www.u3a-ct.org.za/

Or Learn Online

Open Education Database is a directory of thousands of free courses on every conceivable subject from providers of massive open online courses, or MOOCs, and universities all over the world. Although some of these are audio or video lectures, some have full syllabuses with all the attendant reading and homework and the option to earn a certificate (sometimes for a fee), although not college credit.

Learn a New Language

Retirees can take the time to learn a new language, perhaps before traveling to a country where the language is spoken. ITunes U is a good resource for language learning, which can be done at the participant’s own pace. Among the classes available is an MIT OpenCourseWare video class called “Speak Italian With Your Mouth Full,” which combines language and cooking lessons. Languages available range from French and Spanish to Chinese, Arabic, and Russian.

To read more about matters for consideration when preparing to buy into a retirement village, click here.

Shire Retirement Properties (Pty) Ltd (Shire) is based in the Western Cape Province of South Africa and specialises in the provision of a range of services focused exclusively on the retirement industry.

 

Major stressors in retirement

Major stressors in retirement

September 14, 2020
Residence & Lifestyle

Craig Torr wrote an article for Moneyweb titled: Six major stress factors in retirement and how you can reduce anxiety through effective retirement planning.

Craig wrote:

“While many people dream of a care-free retirement in their so-called ‘golden years’, the reality is that retirement can be a particularly stressful life stage. In fact, the act of retirement itself is considered one of the top 10 most stressful life events. In this article, we examine six of the biggest stress factors in retirement and how you can reduce anxiety through effective retirement planning.

Outliving your retirement capital

Running out of money is a massive concern for many retirees, especially given the poor market returns experienced over the past five years. On the back of low market returns, many retirees have been further financially impacted by the coronavirus and subsequent lockdown, rising healthcare costs, and increasing costs of energy. There are a number of ways in which you can fortify your retirement plan to ensure that you don’t outlive your retirement capital, with the first step being to develop a comprehensive retirement plan, preferably in partnership with an expert in this field.

In developing your plan, you will need to determine your monthly living expenses and build in realistic annual increase assumptions, bearing in mind that healthcare costs outstrip annual inflation year-on-year by about 4%. Another important factor to consider is the extent to which your portfolio is diversified and whether your investments are exposed to the right amount of risk given your investment horizon.

If you’ve retired early, you may realistically be looking at a 30-year investment horizon and being invested too conservatively over such a period can result in your capital losing value in real terms. If you have a blend of discretionary and compulsory investments, you will want to draw down from your investments in the most tax-efficient manner in order to avoid paying unnecessary tax. In addition, you will want to ensure that you draw down from your living annuity/annuities at the correct level to avoid depleting your capital too early or running into cashflow problems later in retirement. Your advisor should give you comfort by doing careful cash flow modelling to determine the most appropriate levels of drawdown taking tax, living costs, inflation and longevity into account.

Death of a spouse or partner

The death of a spouse is regarded as life’s number one stress factor and, sadly, losing a spouse is most likely to happen during your retirement years. While one can never be emotionally prepared to lose one’s life partner, careful estate planning can help alleviate the emotional burden on the surviving spouse. In the absence of an estate plan, grief can be compounded by financial uncertainty, and the effects can be devastating.

Ideally, your advisor should develop ‘first-dying’ and ‘last-dying’ spouse scenarios as part of the estate planning process to determine what the death of one spouse will mean financially for the surviving spouse. This process will include calculating estate duty, CGT, tax and estate liquidity for each spouse, as well as revising the income needs of the surviving spouse. Your advisor will also determine the spousal benefit on any pension or annuity that you have in place, and the extent to which the surviving spouse will be impacted.

Further, your planner should ensure that your respective wills are correctly structured and aligned with your overall estate plan to ensure that no complications or confusions arise later on. Finally, one of the best things you can do for each other is to collate your financial and legal documents in a central file – something which will greatly facilitate the estate winding-up process. A winding-up process can experience major delays where basic documentation such as title deeds, marriage certificates or divorce orders cannot be found.

Ill-health

With ageing comes ill-health, specifically diseases such as cancer, heart disease, dementia, joint disease together with mobility problems. Being realistic about your future healthcare costs means making conservative assumptions about longevity and building adequate medical inflation assumptions into your retirement plan.

In an effort to cut costs, you may be tempted to downgrade your medical aid option, which is not always a good idea as you may end up paying more for out-of-pocket medical expenses than you save on premiums. Allow an experienced healthcare advisor to assess your current medical aid plan while taking into account your health status and existing conditions. Talk to your advisor about the costs of long-term care assuming that you and/or your spouse may need to pay for assisted living, frail care or private nursing at some point in the future.

While you may be in good health now, consider that there may come a time when disease or ill-health can strike, and prepare your retirement plan accordingly. Do your research into retirement villages and homes that offer frail care and assisted living options, investigate the costs involved, compare the costs of frail care facilities versus home care, and put your names down well in advance if you feel that a retirement home or village is an option for you in the future.”

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Shire Retirement Properties (Pty) Ltd (Shire) is based in the Western Cape Province of South Africa and specialises in the provision of a range of services focused exclusively on the retirement industry. To contact us, click here.

The Japanese doctor who lived to 105

The Japanese doctor who lived to 105

August 28, 2020
, , Residence & Lifestyle, Shire

The goals of improved health and financial security are to live longer and, presumably, more fulfilling lives. Increases in longevity have certainly been impressive and has been a trend worldwide. Not only has 60 become the new 40, but we’re well on our way to the day when 80 becomes the new 60.

Tom Popomaronis, Contributor@TPOPOMARONIS wrote an article for CNBC.com about the Japanese doctor who lived to 105 – his spartan diet, views on retirement, and other rare longevity tips.

Dr. Shigeaki Hinohara had an extraordinary life for many reasons. For starters, the Japanese physician and longevity expert lived until the age of 105.

When he died, in 2017, Hinohara was chairman emeritus of St. Luke’s International University and honorary president of St. Luke’s International Hospital, both in Tokyo.

Perhaps best known for his book, “Living Long, Living Good,” Hinohara offered advice that helped make Japan the world leader in longevity. Some were fairly intuitive points, while others were less obvious:

  1. Don’t retire. But if you must, do so a lot later than age 65.

The average retirement age (at least in the U.S.), has always hovered at around 65. And, in recent years, many have embraced the FIRE movement (Financial Independence, Retire Early).

But Hinohara viewed things differently. “There is no need to ever retire, but if one must, it should be a lot later than 65,” he said in a 2009 interview with The Japan Times. “The current retirement age was set at 65 half a century ago, when the average life expectancy in Japan was 68 years and only 125 Japanese were over 100 years old.”

Today, he explained, people are living a lot longer. The life expectancy for U.S. in 2020, for example, is 78.93 years, a 0.08% increase from 2019. Therefore, we should be retiring much later in life, too.

Hinohara certainly practiced what he preached: Until a few months before his death, he continued to treat patients, kept an appointment book with space for five more years, and worked up to 18 hours a day.

  1. Take the stairs (and keep your weight in check).

Hinohara emphasized the importance of regular exercise. “I take two stairs at a time, to get my muscles moving,” he said.

Additionally, Hinohara carried his own packages and luggage, and gave 150 lectures a year, usually speaking for 60 to 90 minutes — all done standing, he said, “to stay strong.”

He also pointed out that people who live an extremely long life have a commonality: They aren’t overweight. Indeed, obesity is widely considered one of the most significant risk factors for increased morbidity and mortality.

Hinohara’s diet was spartan: “For breakfast, I drink coffee, a glass of milk and some orange juice with a tablespoon of olive oil in it.” (Studies have found that olive oil offers numerous health benefits, such as keeping your arteries clean and lowering heart disease risk.)

“Lunch is milk and a few cookies, or nothing when I am too busy to eat,” he continued. “I never get hungry because I focus on my work. Dinner is veggies, a bit of fish and rice, and, twice a week, 100 grams of lean meat.”

  1. Find a purpose that keeps you busy.

According to Hinohara, not having a full schedule is a surefire way to age faster and die sooner. However, it’s important to stay busy not just for the sake of staying busy, but to be active in activities that help serve a purpose. (The logic is that one can be busy, yet still feel empty and idle on the inside.)

Hinohara found his purpose early on, after his mother’s life was saved by the family’s doctor.

Janit Kawaguchi, a journalist who considered Hinohara a mentor, said, “He believed that life is all about contribution, so he had this incredible drive to help people, to wake up early in the morning and do something wonderful for other people. This is what was driving him and what kept him living.”

“It’s wonderful to live long,” Hinohara said in the interview. “Until one is 60 years old, it is easy to work for one’s family and to achieve one’s goals. But in our later years, we should strive to contribute to society. Since the age of 65, I have worked as a volunteer. I still put in 18 hours seven days a week and love every minute of it.”

  1. Rules are stressful; try to relax them.

While he clearly promoted exercise and nutrition as pathways to a longer and healthier life, Hinohara simultaneously maintained that we need not be obsessed with restricting our behaviors.

“We all remember how, as children, when we were having fun, we would forget to eat or sleep,” he often said. “I believe we can keep that attitude as adults — it is best not to tire the body with too many rules.”

Richard Overton, one of America’s oldest-surviving World War II veterans, would have most likely agreed. Right up until his death at age 112, the supercentenarian smoked cigars, drank whisky and ate fried food and ice cream on a daily basis.

Hinohara might not have approved of Overton’s diet, but, to be fair, Overton did credit his longevity to maintaining a “stress-free life and keeping busy.”

  1. Remember that doctors can’t cure everything.

Hinohara cautioned against always taking the doctor’s advice. When a test or surgery is recommended, he advised, “ask whether the doctor would suggest that his or her spouse or children go through such a procedure.”

Hinohara insisted that science alone can’t help people. It “lumps us all together, but illness is individual. Each person is unique, and diseases are connected to their hearts,” he said. “To know the illness and help people, we need liberal and visual arts, not just medical ones.”

In fact, Hinohara made sure that St. Luke’s catered to the basic need of patients: “To have fun.” The hospital provided music, animal therapy and art classes.

“Pain is mysterious, and having fun is the best way to forget it,” he said. “If a child has a toothache, and you start playing a game together, he or she immediately forgets the pain.”

  1. Find inspiration, joy and peace in art.

According to The New York Times, toward the end of his life, Hinohara was unable to eat, but refused a feeding tube. He was discharged and died months later at home.

Instead of trying to fight death, Hinohara found peace in where he was through art. In fact, he credited his contentment and outlook toward life to a poem by Robert Browning, called “Abt Vogler” — especially these lines:

There shall never be one lost good! What was, shall live as before;
The evil is null, is nought, is silence implying sound;
What was good shall be good, with, for evil, so much good more;
On the earth the broken arcs; in the heaven a perfect round.

“My father used to read it to me,” Hinohara recalled. “It encourages us to make big art, not small scribbles. It says to try to draw a circle so huge that there is no way we can finish it while we are alive. All we see is an arch; the rest is beyond our vision, but it is there in the distance.”

Shire Retirement Properties (Pty) Ltd (Shire) is based in the Western Cape Province of South Africa and specialises in the provision of a range of services focused exclusively on the retirement industry. To read more about our services, click here.

Americans’ Retirement Outlook Largely Intact

Americans’ Retirement Outlook Largely Intact

April 30, 2020
, , , Development & Sales

Gallup‘s reporter Lydia Saad, wrote on 28 April 2020, that Americans’ retirement outlook is largely intact.

  • Most still expect to rely on Social Security, 401(k) for retirement
  • Slightly more say part-time work will supply some income
  • Non-retirees still expect to retire at age 66, on average

WASHINGTON, D.C. – Non-retired Americans’ expectations for what their income sources will be in retirement are broadly similar to a year ago. Most say they will rely to varying degrees on

  • Social Security,
  • retirement savings accounts,
  • regular savings accounts or CDs, and
  • part-time work.

Solid majorities also foresee depending to some extent on home equity and individual stock investments.

U.S. Non-retirees’ Expectations for Sources of Retirement Income – % Major/Minor Source

When you retire, how much do you expect to rely on each of the following sources of money – will it be a major source of income, a minor source of income, or not a source at all?

Apr 2-11, 2018 Apr 1-9, 2019 Apr 1-14, 2020
% % %
Social Security 84 83 88
A 401(k), IRA, Keogh or other retirement savings account 74 80 80
Other savings such as a regular savings account or CDs 67 68 73
Part-time work 65 64 70
The equity you have built up in your home 60 64 63
Individual stock or stock mutual fund investments 52 58 62
A work sponsored pension plan 45 49 51
Annuities or insurance plans 37 40 41
Money from an inheritance 34 39 35
Rent and royalties 34 36 32
GALLUP

Still, non-retirees today may be counting a bit more than they did last year on certain income sources. This includes a six-percentage-point increase, (from 64% to 70%) in those saying part-time work will be a major or minor source of retirement income for them and five-point increases in expected reliance on Social Security (from 83% to 88%) and personal savings accounts or CDs (from 68% to 73%).

Meanwhile, despite the recent economic slowdown and stock market decline stemming from the coronavirus, Americans are no less likely than they were a year ago to foresee relying on home equity, individual stock investments, money from an inheritance or rental/royalty income. And they are no more likely to anticipate relying on a pension or annuities or insurance plans.

These findings are from the 2020 installment of Gallup’s annual Economy and Personal Finance survey, conducted April 1-14.

Americans Don’t Yet Foresee Delaying Retirement

Another indication that the COVID-19 economy isn’t rattling consumers’ long-term financial outlook comes from non-retirees’ estimate of the age at which they expect to retire, currently averaging 66. This is similar to the average expected age of retirement recorded each year since 2009.

The figure was typically below age 65 in prior years, in part reflecting the lower age at which Americans were eligible for their full Social Security benefits. The age of eligibility has been increasing according to a schedule Congress passed in 1983.

Income Sources of Retired Americans

The same poll asks retired Americans about their current reliance on the same 10 retirement income sources.

While self-reports of most income sources did not change in the past year, there has been a slight decrease since 2019 in those relying on individual stock or stock mutual fund investments. Retired Americans also report increased reliance on personal savings and pensions. The current levels are, however, similar to 2018, so it is unclear if the latest changes reflect financial pressure on seniors from the COVID-19 crisis, or just normal year-to-year variation given the smaller sample size of retirees.

U.S. Retirees’ Sources of Retirement Income – % Major/Minor Source

How much do you rely on each of the following sources of income today — is it a major source of income, a minor source of income, or not a source at all?

Apr 2-11, 2018 Apr 1-9, 2019 Apr 1-14, 2020
% % %
Social Security 90 90 89
A work sponsored pension plan 57 49 63
A 401(k), IRA, Keogh or other retirement savings account 61 61 62
Other savings such as a regular savings account or CDs 59 48 60
The equity you have built up in your home 48 47 46
Individual stock or stock mutual fund investments 45 48 41
Annuities or insurance plans 29 35 33
Rent and royalties 18 22 26
Money from an inheritance 22 19 21
Part-time work 18 21 21
GALLUP

Bottom Line

With most Americans still retaining their jobs and taking no hit to their income, many have yet to personally experience the economic effects of the COVID-19 crisis. As a result, their ratings of their current financial situation are down only slightly. And their concern about having enough money for retirement is up only slightly.

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Founded in 2010 by Rob Jones  in response to a clear need in the South African retirement industry for specialist independent consultants, Shire Retirement Properties is focused exclusively on the retirement industry. To read more about the services on offer by Shire Retirement Properties (Pty) Ltd, click here.

Opinion: 10 retirement lessons from a retired retirement pro

Opinion: 10 retirement lessons from a retired retirement pro

February 24, 2020
, , , , Residence & Lifestyle

Richard Quinn from Market Watch wrote on Dec 7, 2019: “Opinion: 10 retirement lessons from a retired retirement pro.”

For the better part of 40 years, I spent a great deal of time helping thousands of workers prepare for retirement. We ran seminars for workers and spouses on topics like retirement income, insurance, lifestyle, relocation and more. I think it’s fair to say that, if someone took advantage of the programs offered, they would have been well prepared financially and emotionally for retirement.

Sadly, relatively few workers utilized all that was available to them—this despite the support and urging of the unions that represented them. I retired in 2010, suffering in part from banging-your-head-against-the-wall syndrome.

Since then, I’ve learned a great deal more about retirement, both from my own experience and from others. Here are my top 10 lessons:

  1. No matter how well you’ve prepared and how generous your sources of retirement income, money is always on your mind. For some reason, I’ve found the financial “what ifs” still stare us in the face. Perhaps it’s because we know there are no do-overs and hence our financial resources are finite.
  2. I am convinced that, once retired, the ability to rebuild savings remains essential. You cannot handle a significant, unexpected expense from your main retirement savings without jeopardizing your financial future. That means you need emergency money, outside of your regular retirement plan, and you need to replenish that fund if it’s used.
  3. In the old days, we used to tell employees about the three-legged stool of retirement income: company pension, Social Security and personal savings. Today, the stool has different legs. For most Americans in the private sector, there’s no company pension and instead only a 401(k) plan. The new legs are now employer plan savings, Social Security and other savings. Since retiring, I better appreciate the value of having substantial savings, beyond what you accumulate in your employer’s plan.
  4. Maintaining your lifestyle isn’t as easy as it looks. After nine years, I’ve maintained mine. But that’s only been possible because of a measure of frugality, coupled with my goal of retiring with enough income to replicate 100% of my base salary, rather than the standard advice to aim for 80%.
  5. Inflation is real. For many people, health care spending, property taxes and rent will be the big inflation concerns. There’s no escaping inflation, so you need to plan. I would suggest having a pool of money that you leave untouched and allow to grow, until you need it later in retirement to offset increasing expenses.
  6. The transition to retirement isn’t easy. I found it very hard to let go of my professional life. For instance, I used to be invited to speak at conferences around the country, staying in top resorts. In a blink of an eye, that was gone.
  7. Busy or bored? It’s your choice. When I asked folks—who were about to retire—what they planned to do, typical answers included “play golf,” “fish” and “tinker around the house.” Those aren’t enough. But take heart: You’ll soon be busy. The question is, will you be busy doing what you want to do?
  8. Where did all the “friends” go? When you work with people for many years, your relationship with them might seem like it’s about more than just business. But when you retire, and you lose your authority and influence, it can feel like you dropped off the planet. Your true friends will remain. But your value to others will be gone—and so will they. Don’t be surprised.
  9. There is an old saying, “I married you for better or worse, but not for lunch.” When I announced I was planning to retire, my wife said, “Fine, but I’m not changing my activities.” She hasn’t and nor should she. When you add eight to 12 hours a day to the time you spend with a person, there’s an adjustment. Talk about it.

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Tips to help you retire when you want to

Tips to help you retire when you want to

February 15, 2020
, , , Residence & Lifestyle

Business Insider’s Liz Knueven writes about 8 pieces of advice to help you retire when you want, according to people who have done it, on the 5th February 2020.

To retire how you want, it’s crucial to plan ahead — at least that’s what these retirees from Business Insider’s Real Retirement series have found.

Retirement is more than just leaving work.

If you want to make sure that you’ll be able to retire when you want, retirees from Business Insider’s Real Retirement series have some tips from their own retirement experiences, from paying off your mortgage and other debts, to working with a financial planner.

Here are these retirees’ best pieces of advice for anyone who wants to leave work someday.

  1. Find a good financial planner and work on your equity allocation

When one of his friends tell him they’re thinking about retiring, Dirk Cotton’s first advice is to find an expert. “Find a good a retirement planner, because retirement planning is incredibly complex,” he said. “They’re extremely helpful and worth the investment, and it’s worth it to start talking to them in the years before you retire.”

He also suggests focusing on your investments. “The major thing that I would say is, 10 years before retirement, you probably want to end up somewhere in the neighborhood of 40% to 50% equity allocation,” Cotton, who retired at 52, said. He said this is one of the big things that helped him retire comfortably in 2005 and get through the Great Recession.

“I weathered that storm extremely well,” he said, crediting this advice. “A lot of people had 100% equities when they were saving for retirement, and lost over 50% in a very short period of time.”

  1. Make time for a yearly or quarterly retirement planning check-in

Bill Brown, who retired at 65, says one of the most helpful things he did was regularly set aside a few minutes to strategise. “I did this maybe once or twice a year,” he said. “You sit back and you mentally go through,

  • ‘How am I doing?
  • What could I change?
  • What should I change?’

And then, you alter it.”

Doing this helped him and his wife realize they could be doing more to cover themselves with life insurance and long-term care insurance. It helped them to focus on the bigger picture of retirement planning, and keep on track to retire on time.

  1. Start planning sooner rather than later

“I got a late start. From 33 to 43, those quarterly statements I got from a TIAA, I threw them away,” David Fisher, who retired at 65, told Business Insider.

“When I was in my early 40s, I opened one of my quarterly statements that I used to throw away. And I said, ‘Oh my goodness, I’ve got $30,000 to $35,000 in there. That’s my money.’ Then I became interested in retirement,” Fisher said.

If he could turn back time, that’s the advice he’d give to his 35-year-old self. “Invest early and invest as early as you can and put away whatever you can afford,” he said.

  1. Start maxing out your retirement accounts and live within your means

Corky and Patti Ewing never made more than what is considered a middle class income in their California home. In 2019, they retired comfortably thanks to strategic saving and investment decisions. Corky told Business Insider he’d advise anyone wanting to retire to “max out their retirement accounts, their 401ks or their IRAs.”

To do this, he continued: “I’d tell someone to live within their means, because you don’t have to try to keep up with your neighbors.”

  1. Prioritize your spending on experiences rather than things

Karen and Joe Stermitz sold their home in Washington to travel the world and live frugally after they retired in 2017.

“I would tell people just to be frugal. Things don’t bring you happiness, experiences do,” Karen said. She and her husband started a journey through South America in an overlanding vehicle in 2019.

“I don’t buy things; we don’t buy a lot of things. Get away from the focus of the things, and focus on experiences and living life,” she said.

  1. Own a home you can afford

“Our home is key to our retirement,” said Bill Davidson, who retired at 54. He and his wife Rose moved from Oregon to New Mexico after he stopped working to travel, live affordably, and be mortgage-free.

They chose to build an environmentally-friendly home, which reduces utility expenses considerably. “If you reduce your utilities to almost nothing, that means you’re living in environmentally friendly, energy-efficient lifestyle,” he said.

“Our home costs about $300 per month,” he said. By owning a home they can easily afford and moving to live mortgage-free, the Davidsons are able to spend more on family and travel.

  1. Keep your credit score up and live debt-free

“I did get a little good advice early on from my godfather about having perfect credit scores and never using credit to finance lifestyle,” said Fernanda Dorsey, who is now traveling the world with her husband, Jim, after retiring at 52. “Those pieces of advice were jewels,” she added.

“We’ve been basically following those two things, so we don’t have any debt. When we left work to travel, we had perfect credit scores, and that’s good,” she said.

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Shire Retirement Properties (Pty) Ltd, offers talks on generic topics of interest to those considering retirement. To have a look at our Company Overview brochure, click here.

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