Guest post by Violet Swenson.
As the majority of the baby boomer generation enters the retirement phase, we need to consider better retirement plans.
As documented by the National Institute on Aging, life expectancy has risen through the years, with the global rate of centenarians expected to increase by more than 1000% between the years of 2010 and 2050.
A decrease in mortality rates means that retirees need to undertake extra precaution. Here are a few simple and easy tips for individuals entering the golden years to craft the best retirement plans.
The older you get, the more likely it is that you will need medical care and assistance. This can be a troubling thought, considering the various and often expensive costs of proper care and treatment. To hold onto your hard-earned savings, make sure to invest in your health early.
Shifting to a healthier lifestyle now will pay great dividends for the future. Some suggestions for healthy change include choosing a healthier diet, committing to more physical workouts, and avoiding vices altogether.
One of the best ways to deal with the risks associated with longer life spans is asking older persons for help. Finding out how other people deal with problems related to longevity will give you ideas on how to better plan for your tomorrow. Older people will be able to suggest other solutions that will make the retirement years more enjoyable, such as insurance policies to invest in, places to visit, groups to join, ways to exercise, and retirement experts to speak with. You are not alone in this phase of your life. You simply need to look around and find the support necessary to help you face your retirement days.
Even with a healthy lifestyle, coverage for your medical needs should always be prioritized. Opting to purchase Medicare supplement insurance (also known as Medigap) is an effective way for you to receive proper health care and assistance while securing your savings at the same time. This type of policy deals with the “gaps,” such as co-insurance, co-payments, and deductibles, that aren’t covered by original Medicare plans. With your future at stake, you want to make sure you have enough funds to make the years enjoyable and memorable. You can make this happen by simply requesting Medigap quotes online.
The best retirement plans begin when individuals choose to believe in themselves. As cliché as it may sound, all the best plans and preparations would mean nothing without a glass-half-full outlook on life. Choose to have an optimistic perspective. Life is wonderful, just as long you choose it to be.
How about you? Do you have other tips to suggest when it comes to considering longevity and retirement planning? Do you have any questions about building connections or Medigap plans? Please leave a comment below! And please share this article – doing so may help more people understand the urgency of planning for their future!
Guest post by Dr. Sandra Timmermann, IFA UN Representative
IFA’s UN Team is gearing up for the seventh session of the General Assembly Open-Ended Working Group on Ageing (OEWGA), which will be held at the UN from December 12-15, 2016. All our energies for this session are directed toward continuing the discussion on a convention to protect and promote the rights of older persons.
IFA Representative Frances Zainoeddin is playing a leading role in getting our team organized and in mobilizing the other organizational representatives who are members of the New York NGO Committee on Ageing (NGO/CoA). The November meeting of the NGO/CoA, lead by Frances and her co-chair of the Sub-committee on Human Rights, was devoted to briefing the members about why we need a convention, what happens at OEWGA, and what needs to be done before and during the session. Frances, with her background on the staff of the UN and her ability to get things done, is the perfect person to move us forward.
Mateo Estreme, Deputy Permanent Representative of the Mission of Argentina and chair of OEWGA for the past five years, has been a strong supporter of ageing at the UN. At the NGO/CoA meeting, he urged us “to prepare and to be strategic.” He noted that some positive developments have taken place in the last year, including Africa’s adoption of a protocol on the rights of older persons. Although progress will be slow, there is some movement now, and we have to keep up the momentum. “We will need a critical mass of countries working toward a convention,” he added, and “we are not there yet,” but he is optimistic that progress can be made. He urged us not to give up, to be patient, to speak up, and to ask pointed questions when given the opportunity. The IFA and the NGO/CoA are fortunate to have Representative Estreme’s continued enthusiasm and support in working toward a convention.
Other actions leading up to OEWGA have taken place or are scheduled in the next few weeks. They include:
Our IFA representatives are participating in the Mission visits and the workshop, and will be front and center at OEWGA. We are prepared to comment, to ask questions and to demonstrate by our presence the growing support of the ageing community for a convention. Stay tuned for an update in the next blog on the deliberations at OEWGA and our progress in advocating for the human rights of older persons.
Guest post by Lisa Lunghofer, Grey Muzzle
November is Adopt a Senior Pet Month. Senior dogs are particularly great companions for older adults. Here are the top five reasons you should consider adopting a senior dog.
Older dogs’ temperaments are established. You can choose the personality that best fits you and your lifestyle. Whether you prefer a coach potato or a goofball, you can be confident that what you see is what you get. With puppies and young dogs, there’s always a risk that their adult personality won’t be what you hoped or expected.
Puppies are a lot of work! From teething to training to socializing, raising a puppy requires a lot time. Older dogs are much less labor intensive, often being content to hang out on the couch or snooze in a sunny spot in the house. Although all dogs need exercise, older dogs are likely to be happy enjoying a leisurely trip around the block rather than a three-mile run.
Puppies are cute but they require a lot of supervision (think chewed shoes, chair legs, really anything!). Senior dogs are well past the chewing phase, so no reason to worry about your dining room chairs or your favorite pair of sandals.
Most senior dogs have at least some training and likely know basic cues like sit, stay, and come. That makes the transition to your home a lot easier. It also reduces the time and cost needed for training.
Older dogs face uncertain futures in shelters. Concrete floors are hard on old joints. Adopters often pass by senior dogs on their way to the puppies. You can give a senior dog a second chance at a happy ending. And if you do, your generosity will be repaid many times over by the unconditional love and eternal gratitude of your old dog.