Do You Want to Set Your Day Right? Do These

Health Secrets

early bird

Early bird!

Do you often wake up in the morning with no motivation to get up? So you stay in bed a little longer until boredom grudgingly forces you to. That’s what happens when you have not set anything exciting and worthwhile to occupy your day.

I used to feel the same way right after my wife died. I was so down and did not want to get up until almost lunch time. Finally, I realized that I was slowly wasting my life away. Oh, I did not mind dying then. But not the way I was leading myself into.

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Don’t Move to a Retirement Community before Reading This

Health Secrets

Home alone

Home Alone, and Happy

Three years ago I thought of moving to a retirement community.

I live alone in my home which, I think, is too big for me. So I scouted around for a community near my home that can give me a simple, quite, and joyful retirement life.

I found two – near enough to my children so I won’t feel isolated from them. Unluckily (or luckily) for me, they did not satisfy my needs.

Both were fenced off from the rest of the world and, except for a small door with a peephole, they seemed so monolithic. My first impulse was, “Oh God, I want to live in a community, not a prison.”

So if you are planning to do the same, read this first before you do.

 

Why Stay Put at Home:

Since then, I decided to stay put until the rest of my days. You should, too, for the following reasons:

1.  Familiarity:
Familiarity with your surroundings has a great effect on your happiness and wellness. You know your home as the wrinkles on your hands. You know the community, the people, and the amenities, down to the name of the clerk in your favorite convenience store.

It removes the hassle of moving into new and unfamiliar surroundings, of being with people you never knew before, of adjusting to the quirks and hang-ups of the guy next door.

Adjusting to a new environment such as a retirement home is difficult and stressful for anybody. It could be near impossible for you.

 

2.  Uncertainty:
Staying home near people you know, like family and friends minimizes, it not removes the uncertainty of immediate help in case of emergencies

To have people, neighbors and family members, around that you can call easily in case you need help removes anxiety and boosts your peace of mind.

 

3.  Availability of resources:
Even if you stay home for retirement, you can still be assured of adequate health care services because these days there are so many providers you can get in touch with.

Other than these home care service providers, there is a multitude of user-friendly hi-tech devices that help you manage your health care needs.

All these means that immediate help is never far away in case you need it

 

4.  Independence:
According to the AARP (American Association of Retired Persons), 90% of seniors want to retire at home, mostly for sentimental reasons. They feel that if they have survived all these years at home, they will survive the rest of their days.

Another reason is independence.

Seniors feel that independence is all they have control over in the face of the changes in other
aspects of their lives. It also gives them a sense of achievement, which is necessary for promoting purpose, self-worth, and well-being.

When my children moved out of my home right after marriage, I felt the world tumbling around me. I thought I could never get over the thought of us living separately. But after my period of self-denial, I found out that it was not such a bad thing.

In fact, I am glad they did. It allowed me free use of my time and activities which would have been impossible had they stayed on. A daily riot would certainly be happening now had they and their spouses lived with me.

 

5.  Minimize risk of abuse:
Old people, because of their condition, are often subject to elderly abuse. In fact, the problem is escalating despite the availability of services to prevent its occurrence.

Approximately 1 in 10 Americans aged 60 and above have experienced some form of elderly abuse.

What is worrisome about it is that in 60% of the cases, the culprits are close family members.

Retirement and nursing homes are not any safer for old people as well. The number of elderly abuse in retirement and nursing homes is unavailable because most of these are swept under the rug and never reported.

This is minimized, if not avoided if you stay alone at home provided ample services are available in case you need them.

 

6.  It is Cheaper:
If your home is mortgage-free, stay put because it is cheaper in the long run. Retirement homes can be expensive depending on the state, services, and amenities provided.

In 2012, a private room average cost was $248.00/day; a semi-private was a little less at $222.00/day.

This could be exorbitantly high even if your retirement income is substantial. It will definitely leave a huge hole in your budget.

 

The Bottom Line?

It is your call. But before you make a decision, weigh things carefully because staying put or moving to a retirement home are not exactly two peas in the same pod. In fact, they are poles apart.

Do your research. Surf the Internet, talk to friends or have a sales person give you a call. Get as much information as you can. The more the better. You don’t want to be caught with your pants down due to your own lapses or negligence.

Focus your attention on total costs, health care services, nutrition plan, activities to promote togetherness and camaraderie, safety, proximity to shopping centers and malls, family visitation privileges, etc.

Make sure you get all the pertinent information and understand them all to avoid future regrets.

Please help other seniors by sharing this. Better still, subscribe to my newsletter to get a weekly update of the exciting and bittersweet life of a senior.

Image: http://www.seniormoneysaver.com/dining_in_cooking.htm

~oOo~

Is Moving to a Retirement Home Good?

To move or not to move.

Do you know what earth balling a tree is?

Earth balling a tree is the digging it out from the earth, in a circular shape, leaving most of its root system undisturbed and intact, and moving it to a predetermined place.

In more ways than one, earth balling a tree is very similar to moving to a retirement home.

First: It is done with good intentions;
Second: It requires uprooting an entire root system;
Third: Both are done after very careful consideration, evaluation and consultation to make sure the activity satisfies all the parties involved.

Moving to a retirement home requires no less amount of careful consideration, consultation, and evaluation because it can have very grave and irreversible repercussions.

According to the AARP, 90% of seniors want to stay in their own homes. Of these, about 5% are thinking of moving to a retirement home (U.S. Bureau of Census), while another 5%, into nursing homes.

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What Concerns Elderly People Most

Health Secrets

Happy days are here – finally!

In 2014 the annual average of retiring Americans was 4 million. For them, it meant the beginning of a new life. After many years of working, the time has finally come to shift from work life to home life.

The day they all have been yearning finally came – no more mad rush to the office each day, no more stress from meeting objectives and deadlines, no more pressure from subordinates and colleagues, no more demanding bosses to deal with.

For them, retirement is the beginning of a perfect life. Or is it?

For many, especially those who did not prepare for retirement, the euphoria is short-lived. Very soon they will be faced with very serious concerns common to a lot of seniors. These are:

 

1.  Money:
At retirement, you stop earning, yet continue spending. And if you don’t have a large enough retirement savings, investments or pension plans, money issues will stare at you directly in the face.

For example, according to the Employee and Benefits Research Institute and Greenwald and Associates, 28% of Americans say they have less than $1,000.00 in savings and investments for retirement, 1 in 3 Americans say they have no retirement savings and 56% say they have less than $10,000.00 saved for retirement.

For them, money is a very real issue. Some of them will be driven out of their homes into shelters for the homeless, live off meager social security benefits, and line up in soup kitchens in order to survive.

 

2.  Feeling Useless:
Suddenly left with nothing to do, at retirement a lot of seniors feel lost, useless, adrift and without a purpose.

This is especially true for those whose children have grown up and moved away to start their own lives.

According to psychologists, feeling useless is a mindset probably fed by negative beliefs dating back to one’s childhood.

Younger people can easily snap out of it but not seniors. More often than not, they need some support to make them feel important, needed and useful. They need help so they can find themselves back to the mainstream.

 

3.  Loneliness:
As we grow old, our social circle shrinks due to medical issues, death or relocation. And away from the regular interaction in the work environment, they suddenly feel alone and isolated.

Loneliness is one of the major issues faced by seniors that cannot be taken lightly as it can lead to various physical and mental issues. It can even lead to early death.

Live alone seniors and those with active social life in their adult years are particularly susceptible. They, too, need help in establishing a social circle they can identify and blend with.

Loneliness and feelings of isolation can be very debilitating.

 

4.  Neglect and Abuse:
Elderly abuse includes physical, emotional, sexual, exploitation, neglect and abandonment.

Rough estimates show that 1 in 10 Americans aged 60+ have experienced some form of abuse. Another study shows 1 in 14.

What is sad is that the perpetrators are mostly children, other family members and spouses. Some are perpetrated by nursing home staff, assisted living facilities, and other types of facilities for seniors.

 

5.  Health:
According to the NCOA (National Council on Aging), approximately 92% of seniors have at least 1 chronic disease, and 77% have at least two.

The most common are heart disease, cancer, stroke, and diabetes, which account for two-thirds of all deaths among seniors each year.

These diseases also account for roughly 75% of all public expenditures for health care. Ironically, only 1% is spent on improving people’s overall health.

At retirement, most seniors are left to fend off for their health problems, adding more pressure to their money issues.

 

6.  Moving from one’s home:
Roughly 12.5 million elderly Americans live alone. For them, there is no place like home. And they don’t want to move; they prefer to live the rest of their lives at home.

Unfortunately, circumstances may dictate that they move to assisted living facilities or nursing homes. It a choice usually made by family and which they dislike. For them, it is an end-of-life situation.

It means leaving behind familiar surroundings, places, and people and be with strangers. Some easily adapt to their present reality, but others can’t.

I have long retired from my job and currently living alone in my home with a house helper to attend to my needs.

I am very familiar with most of these concerns, particularly money. So far my children have seen to it that I am well-provided and they haven’t subjected me to abuse or asked me to move to a nursing home.

But when you are old and depending on someone, you could never tell when the rug is pulled off your feet. I am still covered financially until the end of the year. That means I have to find a way of replenishing my fast-dwindling resources. Fortunately, I have the skills and healthy enough to do that.

Some seniors are not as lucky as I am (if you can call it that). They don’t have much room to wiggle out of these concerns. And these are very serious concerns. They can very well transform ones retirement from being idyllic to a living hell.

What about you? What are your concerns? Please join the discussion.

Image: https://yourstory.com/2015/12/senior-citizens-startups/

~oOo~

10 Ways to Keep Your Retirement Busy

Health Secrets
 

volunteers

Soup Kitchen Volunteers

Is retirement boring you? Making you feel restless, drift and lacking in purpose?

You probably have too much time doing nothing. After working all your life, your routine is suddenly empty of anything worthwhile and exciting to do, i.e., no more rushing to the office, no more juggling of your time between career, family and many other things related to your career.

Well, you are not alone. Millions of people retire each year with most of them without a post-retirement plan to fill the gap left by the cessation of their eight to five routine. Like you, they shift from one thing to another, accomplishing nothing at the end of the day.

Like you, they ask themselves, “What now?

The answer does not come easy. But you must come up with one before idleness gets on your nerves.

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Warning: What Happened to Steve Can Happen to You

Online Fraud – the crime of the 21st Century.

Steve was having a retirement life that could make a lot of seniors green with envy. A live-alone, 65-yr-old dude, he is medically and financially sound. But his retirement funds were not giving him a satisfactory return so he thought of investing a part to diversify his portfolio.

That’s when his troubles began.

This is his story…

~oOo~

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