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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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Groom’s tragic update after bride killed on wedding day

<p>A US man whose bride died on their wedding day after an alleged drunk driver rear-ended their golf cart is recovering at home and planning his wife’s funeral, his family revealed.</p> <p>Aric Hutchinson, from South Carolina, suffered severe injuries, leaving him with bleeding in his brain, two broken legs, facial fractures and a broken vertebrae in his back, according to a post on GoFundMe, written by his mother, Annette Hutchinson.</p> <p>The 36-year-old and his new wife, Samantha Miller, 34, had just left their wedding reception when the accused drunk driver Jamie Komoroski crashed her car into the golf cart the newlyweds were riding on. Ms Miller sadly died instantly. Two family members on the same golf cart suffered injuries.</p> <p>Ms Hutchinson shared that her son is now “physically recovering at home while trying to come to terms with the loss of his beautiful wife. Now he is doing the unimaginable of planning Sam’s funeral along with her family”.</p> <p>“We are missing Sam more than anything. She instantly fit into our family from the first day Aric and Sam met. She was everything to my son and changed him for the better,” she continued.</p> <p>“She could light up a room with her presence and had an ease about her. They shared many hopes and dreams for their future, including children and building a house.</p> <p>“What started as the happiest day for Aric and Sam ended with a tragedy … our hearts are broken along with the Millers’.”</p> <p>Ms Komoroski has been jailed without bond, and charged with three counts of driving under the influence causing death and reckless vehicular homicide. Authorities claimed the 25-year-old was driving at 104km/h in a 40km/h zone and reportedly only hit the breaks of her Toyota Camry right before the crash.</p> <p>Ms Komoroski told police she had consumed a tequila shot and one beer an hour prior, but refused to take a field sobriety test following the collision. A blood test was later conducted at a hospital, the results of which have not been released.</p> <p>In a statement to <em>Fox News</em>, Ms Komoroski's lawyers urged the public not to “rush to judgement”.</p> <p>Ms Miller’s mother Lisa revealed her heartbreaking final exchange with her beloved daughter.</p> <p>Speaking to <em>WCIV</em>, Lisa Miller said that “on the beginning of the golf car ride, [Samantha] said, ‘I wish this night could go on forever.’”</p> <p>“[It was] the best night of her life,” she added.</p> <p>Ms Miller said she was unaware of “what the distraction was” that caused the accident, but Ms Komoroski “literally ran into my daughter going 65 miles an hour”.</p> <p>“Sammie and Aric were on the back of the golf cart and so she basically just whammed into my child.”</p> <p>The bride’s sister, Mandi Jenkins, told <em>WCIV</em>, “That person made a careless mistake. And it’s not a mistake. It is a life-changing event,”</p> <p>“I never thought it would happen to us and to my beautiful sister, your beautiful daughter and all the 150 people that were there.”</p> <p><em>Image credit: Instagram/GoFundMe</em></p>

Caring

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The power of friendship in retirement

<p><em><strong>Megan Giles, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>When we think about staying healthy in retirement, we often think about becoming more active, eating better and ensuring a good night’s sleep. But there’s another powerful antidote and it doesn’t require active wear, perspiration or watching calorie intake. Did you know that maintaining strong friendships in retirement can have a significant and positive impact on your wellbeing?</p> <p>As we age we are going to become more dependent on others. Not only may we become less mobile, but amongst your group of friends it is almost invariable that there will be debilitating illness, divorce, death, job loss and other major life challenges. It is times like this that it is so critical to have a strong friendship circle to surround us - people who can help us to weather the tough times. These friends will rally around you in times of need, intuitively knowing what needs doing and making things more bearable. Good friends will do exactly what you know you would do for them if the roles were reversed. Not only that, but these friends will celebrate your successes too!</p> <p><strong>What are the health impacts of loneliness?</strong></p> <p>The workplace is a hot-bed of human interaction – there is always a morning tea, someone to do the coffee run with and meetings to be held, and so as we step away from the workforce, our social networks tend to decrease. The research shows that loneliness is linked to a number of health issues including poor sleep patterns, increased prevalence of stress hormones, increased risk of heart disease and stroke, and accelerated cognitive decline. In turn, these can contribute to a lowered life expectancy and depression. The lower quality of life associated with these health issues is not what people envisage when they think about a fulfilling and enjoyable retirement.</p> <p><em>Loneliness is not a symptom of failure - that you are no longer relevant. The feeling is simply a reminder to reach other to others.</em></p> <p>The challenge is that life has never been as busy as it is now in the 21<sup>st</sup> century. But stop for a moment. Don't be so busy working hard and saving for retirement that you let the fun things fall by the wayside, such as weekend fishing trips, ladies nights at the theatre, or barefoot bowls. How 'golden' will those years be if you no longer have people to share them with?</p> <p><strong>Do you need to re-connect with friends?</strong></p> <p>Fortunately there are simple things you can do right now to reinvigorate the important friendships in your life.</p> <p><span style="text-decoration: underline;">Make that call!</span></p> <p>Who is that one person that you have been meaning to catch-up with for ages, and what can you do to connect with them today? Go on, nothing beats memory sharing and a deep belly laugh!</p> <p><span style="text-decoration: underline;">Take the lead!</span></p> <p>Rather than wait for catch-ups to be organised, step in and connect with the people you hold near and dear. Just be mindful to set yourself up for success. For example, rather than trying to go out for dinner as a group once a week, make it once a month (or even once a quarter) so that it doesn’t seem like a burden and something that everyone will look forward to.</p> <p><span style="text-decoration: underline;">Let them know</span></p> <p>Don’t be afraid to tell your friends that you care. Let them know how much you appreciate them and why. And do it often!</p> <p><span style="text-decoration: underline;">Choose your friends wisely</span></p> <p>One of the great things that comes with age is caring less what other people think. As such, choose which friendships you cultivate mindfully. Spend time with the people who light you up, not drain your energy or take advantage of you.</p> <p>As the saying goes, you can choose your friends but you can’t choose your family. The power of friendship is real. Is your inner circle full of people that you know will be there for you when you need them (and vice versa)?</p> <p><em>Images: Getty</em></p>

Retirement Life

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How forgiveness benefits your health

<p><em><strong>Megan Giles, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>Holding onto anger can never be a good thing. By the time we reach the retirement age it is inevitable that at some stage we have been hurt by actions or words of another. Perhaps they criticised your parenting skills, spoke ill of you to others, or took your kindness for granted.</p> <p>Some people appear to forgive more easily whilst for others tend to hang on to that resentment and anger because they want the other person to bear the weight of what they have done to them. The think “how dare they treat me like that and think they can get away with it!”</p> <p>Holding onto that grudge, however, requires much energy and over time this can pose problems for our physical health. Negative emotions such as anger, resentment and the desire for revenge over a prolonged period of time can lead to depression and anxiety, disrupted digestion, increased blood pressure and a weakened immune system.</p> <p>Not only that, but by not forgiving the other person, we reduce our own capacity to enjoy the present moment, get the most out of the retirement that we have worked so hard for, and be our best self for the people we care about most.</p> <p><strong>Forgiving others</strong></p> <p>Whilst we may not want to forgive the other person, it is important to do so for your own well-being. Forgiveness does not mean that you condone their behaviour, nor does it mean that the wrong is justified, it simply means that you acknowledge what has occurred and then get on with your life in a positive way. I’m sure that you’ve seen it – people who have wasted years of their lives in bitterness and resentment, playing the victim and complaining about everyone and everything that has wronged them. What else do you notice about that person? The chances are that they look older than their years. Anger and resentment hasn’t been kind to them.</p> <p>As Ghandi said, “The weak can never forgive. Forgiveness is the attribute of the strong.”</p> <p>By recognising that we are all human and make mistakes, it allows you to move on in a positive way. The act that hurt or offended you might always remain a part of your life, but forgiveness can lessen its grip on you and help you focus on other, more positive parts of your life.</p> <p>It may be hard to forgive others when your pride or self-esteem is injured, however, the reality is that the anger or resentment you feel towards a person does them no harm whatsoever in the way that you would like. You are the one dealing with grief, anger, resentment on a daily basis, taking up your valuable energy.</p> <p>Conversely, leading a happy and fulfilling life (free of anger) is the best response to those who have hurt you most.</p> <p><strong>Forgiving ourselves</strong></p> <p>Interestingly, when we talk about forgiveness, one of the most difficult people to forgive is ourselves. We are often our own harshest critic and we can berate ourselves for a myriad of things that we have done wrong such as not speaking up when we should have, hurting a loved ones, or blowing the family budget yet again…</p> <p>By the time you reach retirement age you will have had your share of regrets, but the important thing is to forgive yourself. As Joan Collins once said, “Show me a person how has never made a mistake and I'll show you someone who has never achieved much” – mistakes are part of what makes us who we are and adds to our richness.</p> <p>In forgiving yourself it is helpful to remember that we are all human and are simply trying to do the best we can in any moment. Hindsight is a wonderful thing and chances are that had you known that your action would cause pain or grief for yourself or another, it is unlikely that you would have done it. As such you have permission to forgive yourself and move on.</p> <p><strong>Key ways to forgive that will leave you feeling empowered.</strong></p> <p>If there is someone that you need to forgive in order to live a life in retirement that is full of joy, positivity and strong connection to the people around you, you may like to start your forgiveness journey with the three steps below.</p> <ul> <li>Step into the other person’s shoes and consider the alternate point of view. What were they experiencing, feeling or thinking at the time that they wronged you. Could there have been a particular event or circumstance driving their behaviour at the time, such as a relationship in crisis, financial hardship or a traumatic event? Whilst you do not need to excuse their behaviour or words, the impact may be lessened if you are able to feel some empathy for the other person.</li> <li>Write your forgiveness down on paper. You might like to do this in a journal or a letter to yourself or the other person (though not necessarily to send) and articulate the actions that hurt and the impact it had. It is not critical that you forgive the person face-to-face, the important thing is that you release the negative emotions and memories that currently have a hold on you.</li> <li>Find the positivity in the negative experience. Life doesn’t always go as planned. Consider what you have learned, how you have grown from the experience and even how you might be able to share those learnings to benefit others.</li> </ul> <p><em>Image: Getty</em></p>

Retirement Life

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Emmerdale actress rushed to hospital

<p>Samantha Giles, the star of long-running British soap opera Emmerdale, was rushed to hospital after falling sick over the weekend.</p> <p>"Huge thank you to all the wonderfully caring staff at @LiverpoolWomens for looking after me today," the 50-year-old actress shared on Twitter "#NHS I'm fine and I'll be home soon."</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Huge thank you to all the wonderfully caring staff at <a href="https://twitter.com/LiverpoolWomens?ref_src=twsrc%5Etfw">@LiverpoolWomens</a> for looking after me today. <a href="https://twitter.com/hashtag/NHS?src=hash&amp;ref_src=twsrc%5Etfw">#NHS</a> 💜 I’m fine and I’ll be home soon.</p> <p>— Samantha Giles (@sammeegiles) <a href="https://twitter.com/sammeegiles/status/1505167317394722817?ref_src=twsrc%5Etfw">March 19, 2022</a></p></blockquote> <p>Details of her illness have not yet been revealed, though fans were quick to send well wishes to the actress.</p> <p>"Thank goodness for the #NHS Sending lots of love xxxxxx," one fan wrote.</p> <p>"Bless you Sam, I hope you're feeling comfortable and better soon xx," another said.</p> <p>Giles has played Bernice on Emmerdale since 1998, though her appearances in the soap are on and off. After a seven-year regular stint on the show, in 2019, she left Emmerdale to focus on other creative projects.</p> <p>On the screen, Bernice has been through many trials and tribulations through the years, but off-screen, Giles' personal life is just as interesting.</p> <p>Giles identifies as Wiccan, belonging to a modern pagan religion and says she met her partner Sean Pritchard after casting a spell.</p> <p>"I met him three months after the spell," Giles said.</p> <p>"It's about things being aligned. Sometimes people say to me, 'I put this thought out there and it didn't work!' But sometimes things aren't in the right place so you have to let them go until it's time.</p> <p>"I wrote down exactly what I was after. Then I met Sean and he was exactly what I had written. It's as if he appeared by magic."</p> <p><em>Image: Getty</em></p>

Caring

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Samantha Markle's proof against half-sister Meghan

<p>Meghan Markle revealed what happened between herself and her father in a rare insight during the bombshell Oprah interview.</p> <p>She explained that the UK press became "obsessed" with anything from her world and tracked down her father.</p> <p>“Once they did, I remember being told there was a huge headline like, ‘We found him’ or ‘We’ve got him.’ You’re talking about someone’s father,” Meghan said.</p> <p>“And from that point, the tabloids, they moved into the apartment next door and across from him. Descended on this small town. The whole thing brings us to where we are today.”</p> <p>She explained that the press were offering exorbitant amounts of money to give up her fathers address, but she did what she could to protect him from the frenzy.</p> <p>She also spoke about her relationship with her half-sister Samantha Markle, who has launched multiple attacks against Meghan in the press over the years.</p> <p>Some of the claims include calling Meghan a "wealthy narcissist" and saying that if their father passes, it'll be "on her".</p> <p>Meghan spoke about Samantha's book titled<span> </span><em>The Diary of Princess Pushy's Sister</em>, which Samantha promised to expose "hidden truths" about Meghan.</p> <p>“I think it would be very hard to tell all when you don’t know me. I mean, this is a very different situation than my dad, right? When you talk about betrayal, betrayal comes from someone that you have a relationship with,” Meghan told Oprah.</p> <p>“I don’t feel comfortable talking about people that I really don’t know.”</p> <p>Meghan spoke about the name change that Samantha made in order to draw attention to herself as a Markle sister.</p> <p>“She changed her last name back to Markle in – I think she was in her early fifties at that time – only when I started dating Harry,” Meghan said. “So I think that says enough.”</p> <p>Samantha fought back on<span> </span><em>Fifi, F</em>ev<span> </span><em>&amp; Nick</em><span> </span>this morning, saying that the claims were "rubbish".</p> <p>“She had said she hadn’t seen Samantha for 18 years. Well she was at my graduation from my bachelor degree, there was so many photos in the media that are like salience about that and that was 2008 so don’t know about you but 2008 to now is not 18 years,” she said.</p> <p><img style="width: 500px; height: 281.25px;" src="https://oversixtydev.blob.core.windows.net/media/7840202/haz-megs-arch-2.jpg" alt="" data-udi="umb://media/ca13121882a446ba8547dcb7fc99809a" /></p> <p>Samantha claimed that Meghan was a narcissist and "needs to see a counsellor".</p> <p>She also said she feels "sorry for Harry".</p> <p>“I feel sorry for Harry. He fell victim to her negligence and I will say sociopaths. She pulled him away from his family, all of his friends, the life that he knew,” Samantha told the radio show.</p> <p>“He reminds me of one of those kidnap victims who eventually starts to believe that their life was so horrible and they’re in love with their captor!”</p> <p><em>Photo credits: Samantha Markle / Twitter</em></p>

Relationships

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Why you should learn one new thing every day in retirement

<p><em><strong><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>Learn one new thing in retirement, you say? Why on earth would I want to do that, you muse to yourself. I’ve worked hard over the years and now it is finally time to kick back, relax and enjoy the fruits of my labours.</p> <p>Why is it important to keep learning, especially in retirement? There are a number of reasons.</p> <ol> <li><strong>Curiosity is fantastic for ensuring strong social connections in retirement.</strong> People who are interested in others tend to be perceived as interesting themselves. As social beings we tend to gravitate towards people who are interesting and have a sense of energy about them. The friendships established during our working life start to (naturally) drift away as routines change in retirement and so this becomes all the more important.</li> <li><strong>As the saying goes ‘use it or lose it’.</strong> The most effective way to keep your mind sharp and prevent mental decline is to keep using it!</li> <li><strong>Set yourself up for success.</strong> Learning requires us to challenge what we thought we knew and be willing to try different things. This in turn makes us more adaptable to new situations and more confident in how we step into the world. In acknowledging that retirement can be a time of transition and upheaval, wouldn’t it be great to know you were stepping into it on the front foot.</li> </ol> <p>What is that one thing that you muse over and think ‘I’d love to learn that, if only I had time…’. Why not make the time? Rather than thinking of learning as an arduous journey, such as a three year (full time!) university degree or learning a language fluently, why not start small and commit to learning just one thing each day. Perhaps learn just one new Spanish word each day (and practice using it!) or read one article about a topic you are passionate about. Imagine what you can learn over the course of a year!</p> <p><strong>After ideas for one new thing you could learn each and every day? </strong></p> <p>Here are 20 ideas to get you started!</p> <ul> <li>The name of your neighbours (particularly if you’ve recently moved)</li> <li>The one thing your grandchildren enjoyed most at school today</li> <li>Your significant other’s greatest wish for retirement</li> <li>How to take better care of your health (and ensure you are able to live out your retirement dreams)</li> <li>A new recipe for dinner</li> <li>How to compost</li> <li>How to grow your own vegetables</li> <li>The names of the plants in your garden</li> <li>Trace your family tree</li> <li>The history of your local area, particularly the indigenous history</li> <li>First aid</li> <li> How to SnapChat or tweet (and keep up with the grandkids!)</li> <li>How to blog</li> <li>Join a bookclub</li> <li>How to stand-up paddle board / yoga/ cycle</li> <li>How to drive a 4X4</li> <li>To play the ukulele</li> <li>To sing (why not head along to one of the many Pub Choirs popping up around the country!)</li> <li>Build your own pizza oven</li> <li>Creative writing</li> <li>Up-cycling furniture (and update your home to reflect your new lifestyle in retirement)</li> </ul> <p><strong>Where to start?</strong></p> <p>There are fantastic interest groups and classes both in your community and online. Browse the web or pick up a copy of the local paper and see what’s on near you.  </p> <p>You don’t need to spend the whole day learning, or even one hour. Commit to just 15 mins of focused learning each and see where that takes you.</p> <p align="center"><em>‘You are never too old to set another goal or to dream a new dream’ – C.S. Lewis</em></p>

Retirement Life

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Life in retirement: Why it’s never too late to start a business

<p><em><strong><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>Think you’re too old to start a business? Think again. The 55+ age bracket is the fastest growing demographic for launching a new business and proves that age is no barrier to entrepreneurship. A recent US study found that almost 40% of Baby Boomer respondents indicated they were interested in starting a business or not-for-profit in retirement. And why not! Retirement provides a wonderful opportunity to pursue your passion on your own terms and earn an income in the process.</p> <p><em>As Jill says, “I love being over 60 and just figuring out my new career. So many wonderful things still to come”</em></p> <p>Why kick back in the recliner if you would rather be doing something else?</p> <p><strong>How a business can help realise your purpose in retirement</strong></p> <p>There are a number of motivators for starting a business after stepping away from one’s ‘real’ career. It might be that you developed a specific or highly desirable skill set during your career and don’t want your skills to lose currency.  It might be that you have a hobby and are excited to purpose it with passion, or that you are an empty nester with more time on your hands and want to do something meaningful with your days. Whatever your motivation, why not give it a go! Remember that there is nothing wrong with making money by serving and delivering great value to others.</p> <p><strong>The unique contribution that Baby Boomers have to offer</strong></p> <p>One of the most powerful points of difference that retirees have to offer is the ability to identify with, and respond to, the needs of a fast growing consumer demographic – the Baby Boomers themselves.</p> <p>According to the <span style="text-decoration: underline;"><strong><a href="http://www.abs.gov.au/ausstats/abs%40.nsf/94713ad445ff1425ca25682000192af2/1647509ef7e25faaca2568a900154b63?OpenDocument" target="_blank">ABS</a></strong></span>, at least 15% of the Australia population in 2017 were 65 or older, which accounts for 3.4 million people! Baby Boomers constitute a significant part of the consumer market and are inclined to do business with other Baby Boomers because they ‘get’ them. They think to themselves ‘you’ve been where I’ve been and you understand what I need’.</p> <p><em>As Ange* reflects “I’m 67 and most of the women I work with are baby boomers too. One of the things I realised is that women of a certain age come from a place of wisdom. We’ve lived, we’ve learned, we synthesise so much…And we’re truly experts on what we do because we have that deeper knowledge that goes beyond textbook knowledge”</em></p> <p>Challenge the stereotypes that retirees are past it and out of touch. Your experience, networks and resilience are just three valuable qualities you will bring to the entrepreneurial world.</p> <p><strong>Setting off on the right foot - Key actions to take when starting a business in retirement</strong></p> <p><strong>1. Do market research.</strong> For the greatest chance of success it is important to ensure you are solving a problem in a marketplace. Who is your ideal client? Can you describe them – what they like doing, how they spend their time, and what is important to them. Do you know someone who fits this description? Chat to them and find out if what you want to offer will appeal to them? Test and refine. Find some more people to speak with. Test and refine again.</p> <p><strong>2. Stop and reflect.</strong> Take a moment to stop and reflect on your strengths, your proudest moments, the challenges you have overcome and what you are truly passionate about. This will provide a positive foundation to build your business on. Remember that you don’t need to compete with the 20-somethings in this digital age. Offerings do not have to be tech-based to succeed.</p> <p><strong>3. Plan.</strong> Identify the problem or opportunity and assess if you have the right skills to respond. If there are any gaps consider if you need to bring in some expertise, be that coaching, outsourcing or upskilling. Don’t be afraid to use your connections and embrace technology. Determine how much money you are willing to outlay, how many items/sessions you need to sell to break even (and better yet earn a profit) and then make that one of your goals.</p> <p><strong>4. Set ground rules.</strong> Make the distinction between work and personal time. Remember, retirement is about lifestyle – you don’t want your business to become all-consuming. Set these expectations early and hold yourself to account!</p> <p><strong>One bonus tip</strong> – it is not worth losing a friendship over a business. Before you launch a venture with a friend, ensure that your skills are complementary and create some ground rules about how the two of you are going to work together and speak up when things are not going as anticipated.</p> <p><em>After a long and successful career in recruitment, Lisa* established a personal image business. Through her career she frequently advised on creating a high impact first impression and recognised the importance of feeling good in one’s skin. She also had an amateur interest in styling with friends regularly asking ‘what should I wear to that important dinner’ or ‘what shoes go with this outfit’. Not surprisingly she created a business supporting women approaching retirement to transition from a corporate wardrobe to a more relaxed style. She appreciated that women (like herself) still want to look smart but reflect a new energy in retirement.</em></p> <p><em>Lisa has built her business via word-of-mouth, some networking and an online presence. She is conscious of the number of clients she takes on each week as she wants her business to be a joy, not a burden. To her, business is about pursuing something that lights her up (and being rewarded for it!).</em></p> <p>The Baby Boomers have always been the ones to break the rules and to challenge the social norms. Why should that be any difference in retirement? Why retire in the traditional sense of the word if you’re excited to be doing something else?</p>

Retirement Life

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Single in retirement? Here’s what you need to know

<p><em><strong><span style="text-decoration: underline;"><a rel="noopener" href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>There are a myriad of reasons as to why you may find yourself single in retirement. Perhaps you have always been single, divorced years ago, separated recently, or perhaps you unexpectedly lost your loved one to illness. For some it is welcome relief, for others it is utterly heartbreaking but whatever your journey, you are embarking on retirement without a significant other.</p> <p>It was suggested that Singles experience a unique set of challenges and opportunities to their counterparts in couples when it comes to life in retirement. With this in mind, I set out to explore if this actually is the case by drawing on the experiences of recent retirees.</p> <p>The reflections recounted to me were particularly open and candid and so there is great value in sharing these. They also provide a wonderful opportunity to explore the action one can take to harness the opportunities and avoid their fears becoming a reality.</p> <p><strong>What do single people fear stepping into retirement?</strong></p> <ol> <li>I will run out of money and I have no other person to fall back on.</li> <li>Who will care for me if I become seriously ill or disabled? For those who have cared for a partner, they appreciate what this involves and dread becoming a burden on others.</li> <li>Adapting my plans - I never expected to lose my partner so soon. All of my plans involved them and I have no idea how to move forward.</li> <li>A lack of companionship. I don’t need company 24/7 but it would be nice to have someone ask about my day or to do things with, particularly when work colleagues fall away.</li> <li>Not being able to travel and fulfil life-long dreams – the single supplements make travel so much more expensive and none of my friends seem to want to travel.</li> </ol> <p><strong>What are the opportunities that only come with being single?</strong></p> <ol> <li>I am able to invest and save money as I choose. There is no need to compromise.</li> <li>I am in charge of my own destiny and am able to pursue the things on my bucket list.</li> <li>I have flexibility in how to live my life, I am able to make decisions on my terms.</li> <li>Knowing that the house will always be as I left it when I get home!</li> </ol> <p>The challenge then becomes how to acknowledge the fears and whilst channelling the positives in order to take action and create a retirement in which you will thrive.</p> <p><strong>What to consider in your planning as a single retiree</strong></p> <p>The most important thing you can do is plan, and consider the ‘what ifs’ (and really, this is advice that I would give to anyone approaching retirement). Don’t avoid thinking about the bad things, hoping they don’t eventuate. Acknowledge them and plan so that if the unforeseen should occur, you are able to make informed decisions, rather than urgent and emotive ones.</p> <p><strong>1. Create a lifestyle transition plan.</strong> Whilst you may thrive living independently now at 60, what might change over the next 25 years? Will you have adequate support and access to care where you are right now, particularly if you became unable to drive? Do you have a strong connection with the people around you? If the time comes that you need to move, what would your preference be? A seniors’ community may be a viable option with plenty of social activities and access to support.</p> <p><strong>2. Get your documents in order.</strong> Consider what would happen if you lost the mental capacity to make decisions. Who do you want to have enduring power of attorney? Empower the right person to make significant decision for you, and on your behalf, should you not be able to do so yourself. Ensure peace of mind that your loved ones will be looked after.</p> <p><strong>3. Seek financial advice.</strong> A trusted and accredited Financial Planner has the expertise and tools to leverage your finances and position you positively for retirement. This advice can be even more impactful when you don’t have a huge portfolio of assets, e.g. an extra few thousand dollars more may mean more to you than to a millionaire.</p> <p><strong>4. Look after your body and mind.</strong> If you are worried about your financial situation, one of the most powerful things you can do right now is get active and reduce your risk of illness and disease, thus avoiding high medical costs later in life.</p> <p><strong>5. Connect with the community around you.</strong> The people who do best in retirement are those who are engaged in their local community and regularly spend time with friends and family.  Devote time to developing and maintaining relationships and don’t be afraid to ask for help as you know you would return the favour without hesitation.</p> <p><strong>6. Become comfortable in your own skin.</strong> If for example, you can’t find someone to go to the movies with, don’t let that slow you down. Recognise that most people are so preoccupied with their own worries that they won’t even notice you, let alone wonder why you might be out alone. If you love travelling, why not do your research and find companies that specialise in single travel (without the supplements!).</p> <p>Regardless of your relationship status, retirement is a wonderful time of life and very much the ‘beginning of the open road’ rather than the end of a journey. If you do find yourself single at this stage in life, embrace the positives and proactively plan for the anticipated challenges so that you truly can create a retirement you will love to live (on your terms)!</p>

Retirement Life

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To retire or re-wire? How to reframe your retirement

<p><em><strong><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>Retirement is a gloomy word. It is derived from the French words ‘re’ and ‘tirer’, meaning to draw back and suggests that the best part of our lives is over once we are no longer working. It insinuates that retirement is simply a time to sit back and wait for the inevitable.</p> <p>But what if we framed it differently?</p> <p>I recently put the call out to my readers, thinking that surely there must be a better (and more inspiring) word than retirement to describe the life stage post-career. I figured who better to ask than those who are currently living this reality? I received a number of insightful suggestions but the one that really struck me was the notion to ‘rewire’ as shared by <span style="text-decoration: underline;"><strong><a href="https://www.facebook.com/retiringnotshy/?ref=br_rs" target="_blank">Jan Wild</a></strong></span> of <span style="text-decoration: underline;"><strong><a href="https://www.retirement-planning.info/" target="_blank">Retiring Not Shy</a></strong></span>. I love this as it evokes a sense of renewal, reinvigoration and the opportunity to challenge assumptions.</p> <p>What would you rather do – retire or <em>rewire</em>?</p> <p>Growing research in the field of neuroplasticity demonstrates that the brain is not static. It continues to evolve and adapt, i.e. <em>rewire</em>, as we age. Scientists have demonstrated that the brain is sufficiently plastic (i.e. able to reorganise its neural pathways) to transform and change at any age, even in adulthood. Significant learning is not confined to childhood and adolescence as previously thought.</p> <p>If your brain can rewire, what shouldn’t you?</p> <p>Do you want to challenge the stereotype that older persons are unable to learn new things – or that the best of your life has passed once you step into retirement? Here are three science-based facts to inspire you to <em>rewire</em> and grasp life with both hands as you step into retirement.</p> <p><strong>Use it or lose it</strong></p> <p>It’s only when you stop doing things that you forget how to do them. There is a tendency for people to limit themselves as they age by doing only the things that feel comfortable, i.e. undertaking only familiar and repetitive activities. What this means, however, is that this familiarity enables the brain to become a little lazy (Guglielman 2017). Provided you keep challenging yourself, there is no reason that you can’t get out there and learn a new language or take up stand-up paddle boarding. Your brain will adapt and allow you to learn new skills. </p> <p><em>Tip:</em> Keep using your brain and your body in new and exciting ways. Fire up your network of friends, family and community (and those long held dreams!) and try new adventures and activities.</p> <p><strong>Keep pushing yourself.</strong></p> <p>Don’t allow old age to become a self-fulfilling prophecy. Perhaps you’re a little nervous about driving and so you start to accept lifts from friends or catch the bus into town. You put mechanisms in place to ensure you can still get ‘out and about’ but without the stress of driving. This means, however, that your brain will stop receiving the stimuli that driving creates and instead focus its efforts on other functions. As a result you no longer have the competence (or confidence) to drive. This is known as negative learning (Merzenich, 2005).</p> <p><em>Tip:</em> Don’t assume that because you are older, there are things you ‘shouldn’t’ be doing. Provided your health will allow it, avoid ‘work-arounds’ and keep challenging yourself with complex (and perhaps exciting!) tasks.</p> <p><strong>Avoid getting caught up in ‘seniors moments’</strong></p> <p>A lapse in memory can be inconvenient and even embarrassing. It can even be time-consuming, such as forgetting where you left the keys. But before you start researching the symptoms of Alzheimers and self-diagnosing, recognise we all have forgetful moments. Regardless of age, people tend experience significant drop offs in retention after 60 minutes and after 24 hours because out brains ‘bump out’ older information to make way for new information (Waddington 2009). Further to that, forgetfulness can be caused by a number of things such as stress, fatigue or medication.</p> <p><em>Tip:</em> Avoid identifying with the stereotype. Acknowledge that you will forget things from time to time and get on with living a full and opportunity-filled retirement!</p> <p>The ability of the humble brain to change and adapt as we age is quite astounding. Be inspired by its capability and keep stretching, striving, flexing and challenging in all aspects of life. Forge your own path and create a retirement you will love to live!</p>

Retirement Life

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Inside Meghan Markle’s dysfunctional family

<p>You might think your own family is a bit dysfunctional, but chances are they’ve got nothing on the Markles.</p> <p>The family of the royal-to-be have made countless headlines since Meghan and Prince Harry’s relationship was <a href="/news/news/2016/11/prince-harry-slams-media-treatment-of-meghan-markle/" target="_blank"><strong><span style="text-decoration: underline;">made public</span></strong></a>, and with their wedding just months away, the constant drama is causing more than a few headaches at Kensington Palace.</p> <p>So, with so much going on with the Markle family, it’s about time we tried to keep track of who’s who.</p> <p><strong>Doria Ragland – Meghan’s mother</strong></p> <p>Meghan once described her mother, a yoga teacher and social worker, as a “free spirited clinical therapist” who took her to visit slums in Jamaica and Mexico as a child in order to raise her as a global citizen.</p> <p>Meghan appears to be incredibly close to her mum, who joined her in the VIP box at Prince Harry’s Invictus Games in October, and it seems the red-haired royal is a big fan of Doria, describing her as “amazing” and reportedly asking for her blessing before proposing to Meghan.</p> <p><strong>Thomas Markle – Meghan’s father</strong></p> <p>Thomas was a two-time Emmy-winning lighting director on shows like <em>General Hospital</em> (where he met Doria) for years. When he and Doria got divorced, Meghan was just six years old and went to live with her mum – however, she did see her father regularly.</p> <p>In a 2016 post on her now-deleted Instagram account, Meghan honoured her dad with a beautiful Father’s Day message. “Happy Father’s Day, daddy. I’m still your buckaroo, and to this day your hugs are still the very best in the whole wide world.”</p> <p>He currently lives a quiet life in Mexico.</p> <p><strong>Samantha Markle – Meghan’s half-sister</strong></p> <p>Samantha Markle, 53, shares a father with Meghan, and although they spent time together growing up, reports suggest they have been estranged for years. Despite this, Samantha, a former actor and model who is wheelchair-bound with MS, is <a href="/news/news/2018/02/samantha-markle-unleashes-on-half-sister-meghan-in-scathing-new-interview/" target="_blank"><strong><span style="text-decoration: underline;">very vocal</span></strong></a> about her relationship with her soon-to-be royal half-sister.</p> <p>In multiple interviews with the media, Samantha has labelled Meghan a “shallow”, “narcissistic” person bent on “social climbing”. “No one was estranged – she was just too busy,” she once told the media.</p> <p>Two of Samantha’s daughters, Nicole Rasmussen and Ashleigh Hale, have jumped to Meghan’s defence, with the former calling her a “very nice”, “very sweet” and “very genuine” person. Rasmussen, who is not on speaking terms with Samantha, called her “abusive” and a “liar”.</p> <p><strong>Thomas Markle Jr – Meghan’s half-brother</strong></p> <p>Like his sister Samantha (from whom he’s also reportedly estranged), Thomas hasn’t been shy when it comes to speaking with the press. The 50-year-old recently shared email correspondence he had with his half-sister, who reportedly said “I don’t know those people,” referring to Thomas, who has had multiple run-ins with the law.</p> <p>“That’s pretty harsh,” <a href="/news/news/2018/02/meghan-markle-says-she-doesnt-know-half-siblings/" target="_blank"><strong><span style="text-decoration: underline;">Thomas told <em>In Touch</em></span></strong></a>, claiming he and Meghan were “as close as we could be”. However, Samantha <a href="/lifestyle/relationships/2018/02/meghan-markles-estranged-sister-comes-to-her-defence-after-brothers-attack/" target="_blank"><strong><span style="text-decoration: underline;">disputed this</span></strong></a>, saying Thomas hasn’t seen the former <em>Suits</em> actress since she was 12.</p>

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You hate your job: Is retirement really a silver bullet?

<p><em><strong><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>There are people who hate their job and are counting down the days until they can retire. They share with glee that it’s only 673 days until they retire and are quick to point out the shortcomings of their job, their manager, the organisation and even their colleagues. You might know one of these people. You may even be one yourself!  They assume that as soon as work is taken out of the equation, life will be great. They idealise retirement as an endless holiday, free of worry.</p> <p>The challenge is that for many like this, the dissatisfaction with their job can be all-consuming and it is not until they retire that they realise how strongly their job (and the associated complaining!) formed the basis of their identity. It’s positively exhausting to constantly complain and this means there is often very little ‘left in the tank’ to meet new people and try to new things outside of their job. Their world is work-centric and relatively small.</p> <p><em>I managed Sandie the Sandstorm. Clearly not her real name but that’s how I referred to her because in moments when stress overwhelmed her it was like a tornado whipping through the office! She had become cynical of change, regularly complained about how much better the ‘old days’ were, and frequently reminded me that she could retire now ‘if she wanted to’. Yet she worked well past the typical age of retirement. Why? I suspect because she was terrified of retirement. She worked long hours (I think simply so that she had something else to complain about) which meant she had limited time for friends and family and little else to talk about apart from work. Unconsciously she feared life without work.</em></p> <p>If you are miserable in your job, retirement may be a very appealing option. But without planning, retirement in and of itself is unlikely to be the silver bullet to your woes. Taking away something you dislike does not guarantee it will be replaced with joy and excitement.</p> <p><strong>How to take action to ensure that retirement does, in fact, bring you (or someone you love) the joy you seek.</strong></p> <p><strong>1. Start taking action now</strong></p> <p>Plan for retirement, but don’t just think about it in abstract terms, e.g. to be ‘happy’. Consider what that will look like in practice. Does this mean an overseas trip, regular tennis matches, spending time with the grandchildren or going to the movies weekly?  Plot what a typical week in retirement might look like. Now, look at your list and identify what you could start doing right now to distract from your mundane job. For example, what’s currently stopping you from going to the movies once a week? If you <em>chose</em> to make time, could it become a reality?</p> <p><strong>2. Establish a hobby before you retire</strong></p> <p>Make time to develop an interest outside of work before you retire. Not only will this help to create a sense of continuity when work no longer fills your waking hours but will create events to look forward to even while you are still working.</p> <p>It might be joining a book club (with wine!), taking up worm framing or training for a 5km fun run. What if there was more to each day than endless reports and emails. Imagine actually looking forward to something, such as an evening run.</p> <p><strong>3. Reconnect with friends</strong></p> <p>Make a call or send a message. Who is that one friend that you have been meaning to catch-up with? What can you do to connect with them today? It is refreshing to laugh about old times (and a good belly laugh does wonders for your mood) and talk about interests outside of work. It is also reassuring to know that you’ll have support around you when you step into retirement.</p> <p><strong>4. Spend time with people who energise and light you up</strong></p> <p>Make time for the people who make you laugh, and who bring out the best in you. These are the people who will encourage you to try new things and get out of your comfort zone. They may not be the people you work with. Distance yourself from people who bring you down and drain your energy. Be curious and allow yourself to see the wonder in life, particularly that outside of work.</p> <p>Take action today and set yourself up for a retirement you will love to live! And you never know, you may just enjoy the journey! </p>

Retirement Life

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Samantha Markle unleashes on half-sister Meghan in scathing new interview

<p>Every family has their fair share of drama, but for the Markles, “drama” doesn’t even begin to describe their complex family dynamics.</p> <p>In a new interview with <em>A Current Affair</em>, Meghan Markle’s <a href="/entertainment/books/2017/09/inside-meghan-markles-sisters-tell-all-book/" target="_blank"><span style="text-decoration: underline;"><strong>controversially vocal</strong></span></a> half-sister Samantha has once again unleashed on the soon-to-be royal, saying she’s turned her back on her family.</p> <p>Samantha, a struggling writer and filmmaker who suffers from multiple sclerosis, leaving her wheelchair-bound, has criticised Prince Harry’s fiancée for failing to take care of her family – particularly her dad, Thomas, once an Emmy-winning TV lighting director, now bankrupt and living in Mexico.</p> <p>“I think he did help her a lot and he is very creative too and encouraging, so she made the most of her environment. I don't think he feels that she owes him, but that is how I see it,” Samantha said, claiming her dad helped kickstart Meghan’s acting career.</p> <p>“Honestly, what she could spend in a weekend would greatly help dad, so that should be a priority … I think you need to step up to the plate and make sure he is well taken care of.”</p> <p>Samantha also took aim at the expensive gown worn by Meghan in <a href="/entertainment/art/2017/12/prince-harry-and-meghan-markle-engagement-photos/" target="_blank"><strong><span style="text-decoration: underline;">her engagement photos</span></strong></a>. “If you can afford $75,000 for a dress, you can afford $75,000 to help your dad. That’s how I feel, that’s who I am.”</p> <p>However, Samantha did admit that her brother, Thomas Jr, who has a long history with alcoholism, may have had something to do with driving Meghan away.</p> <p>Despite all her criticisms, Samantha – who hasn’t spoken to Meghan in three years – claimed she isn’t “bitter”.</p> <p>“I was always very proud of her. I never felt bitter or jealous. I had made similar choices. Because early in my life, that I wanted I took my career to the level in television as well when I made the decision and I quit to get my degrees. to go back to school when I made those choices, so how can I be bitter I had my successes.”</p>

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The simple trick to creating a meaningful retirement for yourself

<p><strong><em><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</em></strong></p> <p>It’s all well and good to say that you need to find purpose in retirement but for some this is well intended but frustrating advice. They have stepped away from work, caught up on sleep, cleared out the corporate wardrobe and now want to know what retirement can look like on a day-to-day basis. They want real examples because without work these are now a lot of waking hours to fill.</p> <p>The worry is that it is easy to fill for the days to get away from you. You can shop, have coffee and watch TV. But what will you have to show after 6 months, 12 months or 10 years? What people fear is the passing of time without a sense of purpose.</p> <p>To say ‘do something you enjoy’ is just too vague. You many enjoy going to the gym, but this is not something you can do all day, every day. Not only would you be exhausted, but you’d likely have shin splints, aching muscles and blisters to deal with as well!</p> <p>Rather than reinvent the wheel, why not just think differently about <em>how</em> you do what you already do. Here are five examples of how you can build on the activities you already enjoy in order to fill your days meaningfully and create experiences to look forward to in retirement.</p> <ul> <li><strong>Consider <em>when</em> you schedule activities.</strong> Perhaps you’ve belonged to a book club for years and you always meet on the first Tuesday evening of the month. Now that you are all retired, do your really need to continue meeting at night, squeezing in these catch-ups around work? Is this something you could instead enjoy over a leisurely lunch or afternoon tea (still enjoying that glass of wine that goes hand-in-hand with any good book discussion)? A day time book club might be particularly appealing if you no longer like to drive at night.</li> </ul> <ul> <li><strong>Incorporate your interest with travel.</strong> You may enjoy playing golf, but once or twice a week is enough. You don’t want it to become a chore. Have you ever considered planning a golf trip with friends? Imagine exploring the highlands and historic cities of Scotland, enjoying a dram of whiskey one day and playing one of the famed St Andrews courses the next! Or escaping the winter cold and heading north to play at a reciprocal club in more tropical climes. It’s a fantastic way to see a different part of the world and share the experience with friends. You might even like to make this an annual event.</li> </ul> <ul> <li><strong>Give back to your club or group.</strong> Perhaps you enjoy netball, triathlon or restoring furniture at the local men’s shed. Have you ever thought about joining the committee and contributing your skills and enthusiasm at the strategic level to make your club even greater? Often energy, motivation and a willingness to ‘get your hands dirty’ is enough, but you may have a specific skill set which your club or group could benefit from? It might be accounting, marketing, social media, grant applications or business development skills.  This could be a wonderful opportunity to create a bigger impact and encourage more people to follow your passion.</li> </ul> <ul> <li><strong>Avoid being limited by your circumstances.</strong> You’ve downsized to an apartment but enjoy gardening. Does this mean you can no longer be a gardener? The answer is no! There are many thriving community gardens out there seeking enthusiastic green thumbs to volunteer their expertise and energy. Most local government websites have information on where to find your nearest community garden, and the wonderful thing about becoming involved is not only are you creating sustainable gardening practices but you get to enjoy the fruits of your labour as well! Imagine what you could cook with all of those fresh fruits, vegetables and herbs!</li> <li><strong>Teach others and pass on your expertise.</strong> Perhaps you have a grandchild or neighbour kid who constantly pesters you to know ‘why do you do that’ and ‘what would happen if you did this’ while you are tinkering in the shed, repotting those plants or mending a shirt. It is possible that they are not simply bothering you – they genuinely want to learn. Have you ever considered teaching them and passing on your skill? This needn’t require a formal qualification, it might just be a wonderful opportunity to have someone to share your hobby with. (One a side note, there are so many millennials who don’t know how to hem and instead take their pants to a tailor, paying $25 to get them altered. Maybe teaching others to sew could be your personal mission!)</li> </ul> <p>You don’t need to suddenly find 1- new hobbies to fill your days meaningfully in retirement. Instead consider what you already enjoy and just approach is differently. </p>

Retirement Life

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What are your non-negotiables in retirement?

<p><em><strong><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>The wonderful thing about retirement is that the Baby Boomers finally have the opportunity to become the ‘Me-Timers’. After balancing a busy career, family and social commitments for so many years, they finally get to focus on the things that light them up. That might mean learning to play the saxophone (I’ve only had the darn thing 20 years!), selling up and making that tree change, or trekking through Patagonia.</p> <p>I am a strong advocate for possibility thinking, living one’s dreams and creating a full and exciting retirement, but I also want to ensure that people approaching retirement are set up for success. I want to ensure that their dreams and goals are achievable.</p> <p>And so the question I want to pose is what will be the ‘non-negotiables’ in your retirement?</p> <p>It might be things such as caring for an elderly parent or grandchildren, participating in an annual event or your budget. These are the events or persons that you need to be present and available for or decisions that are fixed. Can you clearly articulate what these will be for you?</p> <p>As an example, the last thing you want to do is starting planning for a retirement of travelling or relocating to a hinterland village, only to be disappointed when you decide that caring for your mother with dementia is not going to allow it.</p> <p>That said, I am not for a moment suggesting that you should cancel your round-the-world trip or put your life on hold. Quite the contrary. Instead, what I would encourage you to do is acknowledge this non-negotiable during your planning. To enable an extended holiday you may need a slightly longer lead-in time but this will allow you to organise respite care, increased day care or arrange other family members to step up in your absence.</p> <p><strong>What other non-negotiables might there be in retirement?</strong></p> <p><span style="text-decoration: underline;">A husband (or wife) who doesn’t want to leave the family property</span></p> <p>In some couples there will be one person for whom living on the land is in their blood and there is no-where else they can imagine being. Rather than simply accepting this fate and maintaining a stiff upper lip (whilst feeling suffocated and isolated on the inside), it is critical to plan for a retirement that lights each person up whilst acknowledging this non-negotiable. How might you plan around this? One option might be to book regular weeks away at the beach so that the other person’s needs are met in terms of a change of scenery and also so that they have something to look forward to. Take it one step further and making a recurring booking at the same place in order to create a ‘home away from home’ and a sense of belonging there.</p> <p><span style="text-decoration: underline;">Your retirement budget</span></p> <p>If you’ve done your sums you will know how long you can expect your superannuation and investments to last. In line with this, your monthly budget may be your non-negotiable. Whilst you may dream of taking a first class cruise each year, this may not be financially possible and as such I encourage you to consider what it is about traveling that excites you. Is it meeting new people, trying new foods or learning about different cultures? Identify what it is and then determine how you can incorporate that into your daily life. For example if it’s the food why not try a new cuisine or restaurant each month? If it is visiting new destinations, why not get out and discover more of your own backyard – we live in one of the best countries in the world, after all!</p> <p style="text-align: center;" align="center"><em>“The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails” – William Arthur Ward</em></p> <p>Don’t ignore the non-negotiables in your retirement – they’re not going anywhere! Instead, acknowledge them and respond positively to create a retirement you will love to live.</p> <p><em>The key to success for the people who work with Megan is structured planning, looking beyond the finances, harnessing opportunities, informed decision making and tailored action. For more information visit, <span style="text-decoration: underline;"><strong><a href="http://www.megangiles.com/" target="_blank">www.megangiles.com</a></strong></span>.</em></p>

Retirement Life

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Will your health allow your dream retirement to become a reality?

<p><em><strong><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>For many people, this end of the year will be more exciting than usual as not only is the festive season almost upon us but it signals their decision to retire as well. This might be you. You have saved well and are confident that your financial position will enable you to do all of those things you dream of when work no longer consumes your waking hours! But what about your health, have you prioritised your health in planning for retirement?</p> <p>We all know that it is important to see our GP for regular check-ups and I’m certain that there are plenty out there who think ‘I’ll make that appointment next week’ and suddenly six months passes before they realise that they still haven’t visited their GP.</p> <p>Unfortunately I see too many people who have great plans for retirement but become bitterly disappointed when they do finally step away from work and realise that their health won’t allow them to do the things on their bucket list. They’ve been busy with work, raising a family and looking after others around them, and sadly prioritising their health has fallen by the wayside. It’s not until they spend a whole day chasing after the grandkids or get one hour into a day-long hike that they realise their body just isn’t what it used to be. Mention that camping trip through The Kimberley and the response you will hear is  “not likely with this back”…</p> <p>As the adage goes, prevention is better than cure and so my question to you is ‘is your body going to let you do the things that you want to do in retirement?’ Do a quick self-assessment – how’s your quality of sleep, what’s your mobility like and how easily does your body allow you to do your everyday tasks? If you constantly wake during the night, struggle with those flights of stairs or find that your joints creak and groan, now is a great opportunity to see a health practitioner.</p> <p align="center"><em>Those who think they have no time for bodily exercise will sooner or later have to find time for illness – Edward Stanley</em></p> <p>Your health is one element of your retirement plan that you can control, or at least strongly influence and it’s never too late to make a positive difference, such as eating better or exercising more so that you are able to grab retirement life by the horns! So why not make an appointment today and see a health practitioner, be that your GP, physiotherapist, personal trainer or dietician.</p> <p>Key things you can do to take control of your health in preparing for retirement:</p> <p><strong>1. See your GP</strong></p> <p>Did you know that all Medicare-eligible people aged over 45 are entitled to a free once-off health check? If nothing else, have the check for peace of mind so that you can get on with living retirement to its fullest!</p> <p><strong>2. Do regular exercise</strong></p> <p>You don’t need to be able to run a marathon. Just 30 minutes of walking each day can make a huge difference to your health, including a decreased risk of diabetes and heart disease, reduced arthritis symptoms and a slowing of cognitive decline.</p> <p><strong>3. Have an annual flu jab</strong></p> <p>We have just experienced one of the worst flu seasons in years. For those who have had the flu (not just a common cold or ‘man flu’) you will know that it is quite debilitating and as you get older, it becomes increasingly more difficult to recover from the flu. If you are aged over 65, the annual ‘jab’ is free and for everyone else it is no more than $20 from your local GP or chemist. It is a small price to pay for your wellbeing.</p> <p><strong>4. Regular skin checks</strong></p> <p>How well did you ‘slip, slop’, slap’ when you were young? Public health messaging was not as prevalent 30-40 years ago and so probably not as often as you should have. Make an appointment with a skin specialist to get any changes picked up early.</p> <p>And here’s a bonus tip. If you’re planning to travel overseas in retirement, find out what vaccinations are required for any countries you intend to visit as a lead-in time may be required for some. For example the Hepatitis B vaccination comprises three shots over a six month period.</p> <p>Life is busy but prioritise your health. Don’t let avoidable health problems slow you down as you will regret your inaction in retirement. Take action today that your future self with thank you for.</p>

Retirement Life

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What happens to competitive people in retirement

<p><em><strong><span style="text-decoration: underline;"><a href="http://www.megangiles.com/" target="_blank">Megan Giles</a></span>, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>Hands up. Are you someone who thrives on the pressures and challenges of work? Is work something that has you jumping out of bed in the morning, excited to sign that next client, hit that target or solve that supposedly unsolvable problem? Regardless of the profession or industry you work in, you are driven by success in the workplace. You are highly respected by your colleagues and clients because you consistently deliver high quality work. They know that you’ll get the job done and you’re capable of making the tough decisions.</p> <p>You’re great at what you do, and that is a fabulous attribute to possess. Your organisation is privileged to have you. The challenge, however, is that research has found that people who are naturally competitive and assertive during their career can experience greater difficulty in adjusting to the workplace (Delmontagne, 2011)*. The very attributes that made them successful during their career are the same ones that can work against them in retirement</p> <p>Naturally competitive people thrive on difficult and challenging goals in the workplace and this singlemindedness often meant that they had few interests outside of work (Delmontagne, 2011). They didn’t allow space for friendships to be cultivated or hobbies to develop. As such when they do finally retire they find life quite empty. Without work as the binding force, acquaintances drift away, and without an interest to focus their energy and ideas the days seem endless. In essence, their self-worth reduces because they don’t feel that they are achieving anything important.</p> <p>If this sounds like you, I bet there is another fear niggling away at the back of your mind – the fear of failure. Success and being the best is a strong part of your identity and you dread being seen as someone who has ‘failed’ at retirement. At work there was always a way to ensure success - you would work harder or longer to deliver on time or stay ahead of the competition. When it comes to retirement, however, success is not a tangible outcome, there is no single objective way to say that you’ve ‘made it’ and that can be disheartening.</p> <p>So what you can do as someone competitive by nature to create a retirement that challenges you, connect you to others and ensures a sense of fulfilment? Consider the four</p> <p><strong>1. Plan and set yourself goals</strong></p> <p>Don’t leave it until day one of retirement to start taking action. Make time now to focus on you. Create that list of things you want to do and achieve when you have more flexibility with your time (call it a bucket list if you will) and then attach goals to those items. For example, if you’d like to take up cycling why not sign up for a road race and then start training for it. Take it a step further, set a time you’d like to achieve. Or perhaps there’s a book to write - the one that people have been telling you for 10+ years you should write. What is a reasonable timeframe to have a first draft completed in?</p> <p>Importantly, consider both what you enjoy and what brings you a sense of and purpose, and involve your significant other in the planning process. Retirement provides a wonderful opportunity to spend more time with your loved ones so ensure that your plans are aligned and that you’re clear on what you do together and what you do independently in retirement.</p> <p><strong>2. Establish a hobby or interest before you retire</strong></p> <p>Life is busy and work can be all consuming, but make time to develop an interest outside of work before you retire. Not only will this help to create a sense of continuity when work no longer fills your waking hours but will ensure you have an established network of people to spend time with and to draw on for support if you need it.</p> <p>Typical retirement activities such as golf, fishing and art classes may not appeal to you so think outside the box in terms of how you may like to spend your time. It might be mentoring young professionals in your sector, contributing your accounting, marketing or governance expertise to a not-for profit board, or training to summit the highest peaks around the world.</p> <p><strong> 3. Consider a step-down approach</strong></p> <p>Rather than go ‘cold turkey’ and launch straight from full-time work to retirement, explore the options available to reduce the number of days you work per week. Is it possible to work only two or three days per week and balance the structure of work with time to focus on developing new interests and establish a social network outside of your job?</p> <p><strong>4. Reconnect with friends.</strong></p> <p>Make that call. Who is that one friend that you have been meaning to catch-up with for ages? What can you do to connect with them today? You don’t need to suddenly spend all of your time together, but it is refreshing to reminisce about old times and then know that you can count on them when you need them.</p> <p>Set yourself up for success in retirement by recognising the challenges you are likely to encounter and take action now to prevent them from arising.</p> <p><em>*Delmontagne, R. (2011). The Retiring Mind: How to Make the Psychological Transition into Retirement. Synergy Books: Austin, Texas.</em></p>

Retirement Life

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Inside Meghan Markle's sister's tell-all book

<p>When you’re <a href="http://www.oversixty.com.au/lifestyle/relationships/2017/09/prince-harry-and-meghan-markle-look-totally-in-love-as-they-hold-hands-during-invictus-games/" target="_blank"><span style="text-decoration: underline;"><strong>dating a member of the royal family</strong></span></a> there’s never going to be a shortage of people coming out of the woodwork to cash in on the situation, should it should be no surprise that Meghan Markle’s estranged half-sister Samantha Grant is now writing a book about her sibling. </p> <p>The 52-year-old has reportedly been shopping the book around to publishers with a working title of <em>The Diary of Princess Pushy’s Sister</em>, which is focusing on race. </p> <p>The pitch that was written in April, reads: "When my bi-racial sister was born, I would be forever ‘colour blind. If only I could predict the media frenzy and racial slurs that would occur as a direct result of my beautiful baby sister possibly becoming the first bi-racial princess or duchess in royal history.</p> <p>"Little did I know that I would stand looking back over my shoulder at how far we’ve come in the world towards true multiracial and multicultural appreciation, contrasted with how far we have to go in our evolution towards Dr. Martin Luther King’s Dream."</p> <p>The synopsis that was sent out to potential publishers also makes for an interesting read, with Grant saying her book, "Illustrates the evolution of my bi-racial lens since my birth in the '60s, the bigoted underpinnings in my own family that echoed in my mind as a child while I defended (the idea) that there is no such thing as ‘colour,’ only fear and hatred that people like my own grandmother were taught in the uneducated and insecurity-based pockets of America and the world."</p> <p>Grant has had some pretty controversial things to say about Markle in the past including, “Hollywood has changed her. I think her ambition is to become a princess,” and, “The truth would kill her relationship with Prince Harry.”</p> <blockquote class="twitter-tweet"> <p dir="ltr">Prince Harry and Meghan Markle at the 2017 Invictus Games in Toronto<a href="https://t.co/by2gxxFipI">https://t.co/by2gxxFipI</a> <a href="https://t.co/dHGGOCuWbY">pic.twitter.com/dHGGOCuWbY</a></p> — Royals_Cambridges (@the_Cambridges1) <a href="https://twitter.com/the_Cambridges1/status/912424745160859648?ref_src=twsrc%5Etfw">September 25, 2017</a></blockquote> <p>The <em>Suits </em>star has been in the news this week, <a href="http://www.oversixty.com.au/lifestyle/beauty-style/2017/09/meghan-markle-shamed-for-her-outfit-on-first-public-appearance-with-harry/"><span style="text-decoration: underline;"><strong>photographed on multiple occasions with Prince Harry</strong></span></a> as they enjoy the Invictus Games in Toronto.</p> <p>What are your thoughts?</p>

Books

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Retirement in the country: what you need to be mindful of

<p><em><strong>Megan Giles, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>Many of us envy the country lifestyle. Being close to nature, surrounded by people you know, a strong sense of community, and away from the hustle and bustle of city living. Hence the reason so many retirees are making a ‘tree-change’. But what about those who have grown up out west (or up north, or down south) - are there things about living in the country that can throw you off-kilter when stepping into retirement?</p> <p>I recently interviewed four retirees who were either born-and-bred on a property or spent the majority of their adult life on the land, and uncovered a couple of challenges which seem to be specific to those living regionally or remotely.</p> <p><strong>Living on the land is in your blood</strong></p> <p>Farming is a job that is never really done. Whilst you are your own boss and can set your own schedule, the reality is that there is always something to do. Mend the fence, check on the calves, fix the bore pump and check the weather forecast or grain prices. Sure there are lull times, but when it’s time for harvesting or shearing, it means long days. As such there is little idle time.</p> <p>A challenge that men in particular can grapple with is what to do once they’ve retired. Sure their time is their own but what to do with it? I know of couples who have sold the family property, moved into town and promptly taken to managing someone else’s property – simply to be back on the land with something meaningful to do.</p> <p><span style="text-decoration: underline;">Proposed action: </span></p> <ul> <li>Plan in advance and discuss with your significant other what retirement might look like on a day-to-day basis – what you will enjoy doing, what new things you’d like to try and what will provide a sense of fulfilment. Not sure where to start, why not complete the <span style="text-decoration: underline;"><strong><a href="http://eepurl.com/cFjVA9" target="_blank">Retirement Planning Questionnaire</a></strong></span>.</li> </ul> <p><strong>What if your property is staying in the family?</strong></p> <p>Drought, poor cattle prices and natural disasters take their toll and too often younger generations head to the cities for university and a career with greater financial security. The tradition of keeping the property in the family is no longer a given.</p> <p>But what about if you are lucky enough to be able to hand over the reins to your children - are there any pitfalls to be mindful of? I’ve heard stories of family rifts developing because the retiring father has remained that bit too hands-on after selling the property and not allowing their son/daughter to truly run it as their own. Similarly I’ve heard of retirees going over and above to keep their daughter-in-law happy – think annual trips to Bali and extensive homestead renovations - just to ensure their son stays on the land. Family tension does not make for a peaceful retirement nor does spending hard-earned money to satisfy others.</p> <p><span style="text-decoration: underline;">Proposed action: </span></p> <ul> <li>If passing on the property to the next generation, start planning early and involve your children in order to clearly define what the transition period will look like, what each person’s role will be once the sale goes through, and when advice and guidance might be genuinely required.</li> <li>And remember, just because the home was once yours doesn’t necessarily mean that you can come and go as you choose – set the boundaries with your son/daughter and their partner so that everyone is happy.</li> </ul> <p><strong>The sense of community – a blessing and a curse</strong></p> <p>The great thing about being a part of a smaller community is that you have a strong support network around you to rally and help weather the difficult times. For Janice* this was invaluable when her husband passed away - she had people she could immediately turn to and who were there for her over the ensuing weeks and months.</p> <p>Conversely, the challenge of being a part of such a close-knit community is that everyone knows everyone’s business. As such it can be difficult to try new things as everyone seems to have an opinion!</p> <p><span style="text-decoration: underline;">Proposed action: </span></p> <ul> <li>Don’t be afraid to ask for help</li> <li>Be courageous and do what lights you up. Remember people are often critical because they are compensating for their inability to action their own dreams.</li> </ul> <p><strong>Staying connected to others</strong></p> <p>Living regionally often means long distances to travel, patchy internet and somewhat limited community services. You can’t necessarily ‘pop by’ the local bowls club or library as it can mean a three hour round trip, or your closest town may not offer a class to pursue your particular interest.</p> <p><span style="text-decoration: underline;">Proposed action: </span></p> <ul> <li>Make the most of what is available online. Sure, a connection for Skype may not be reliable but there are many group forums that are writing-based and thus more forgiving of aninconsistent internet signal. Did you know that organisations such as Rotary now have e-clubs which people can join from anywhere in Australia and there are online groups which cater specifically to regional interests such as the Photographing Rural Australia group.</li> <li>Think differently about how you might volunteer or pursue an interest. Rather than trying to make it into town for a weekly art class, why not book a weekend painting retreat and do that a couple of times a year?</li> </ul> <p>Interestingly, regardless of where you live many retirement-related challenges remain the same. Of those who I interviewed and are married or have a partner, a key challenge they experienced was the changed relationship dynamic once retired. They either felt that they were living out of each pockets or realised they had very different goals for retirement. If this sounds familiar, one of the most powerful things you can do is talk about the challenges that retirement has thrown at you. Be open about how you are feeling and don’t assume the other knows.</p> <p>Life in the country is great and with some forward planning, retirement need not be any different!</p>

Retirement Life

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How feeling old can work against you in retirement

<p><em><strong>Megan Giles, Retirement Transition Consultant, supports those approaching retirement to successfully transition and create a retirement they will love to live!</strong></em></p> <p>How old do you feel today? Younger or older than your driver’s licence says? As the old adage goes ‘you are only as old as you feel’ and this is particularly important when it comes to getting the most out of life in retirement.  The people who feel productive, happy and content in retirement tend to be those who have a zest for life and feel young at heart. To them age is simply a number.</p> <p>The research suggests that those who see themselves as old are more likely to experience declining health more quickly, both physically and psychologically, and thus lead a ‘smaller’ retirement.</p> <p>If you think you are old and allow others to treat you as old, it becomes a self-fulfilling prophecy. For example, if you decide that you are too old to hike, it will become a reality. You will cut back on planned outings, decline invites from friends to go hiking and as a result your muscle mass will decrease, your lung capacity shrink and you will, in fact, no longer be able to enjoy those weekly hikes.</p> <p>Yes your age may continue to increase, but how old you feel is something that you can influence. This is why it is so important to keep the both the body and mind active in retirement. More often than not it is about mind over matter.</p> <p><strong>Who do you want to be in retirement?</strong></p> <p>Who would you rather be – the 75 year old tucked up in a recliner chair watching the 4pm news or the 75 year old who still plays weekly squash and gives his 35 year old son a run for his money! Sure, his eyesight may not be what it once was and it may be a little harder to follow the ball, but that doesn’t mean that he needs stop playing.</p> <p>That is who I want to be as I age. The person that makes others pause in disbelief when they realise how old I actually am! My goal is to be the 80 year old who is still surfing, jogging and doing yoga.</p> <p><strong>So what is ‘old’?</strong></p> <p>This then poses the question, what is ‘old’ these days anyway? The Australian Bureau of Statistics (2015) defines older persons as ‘someone aged 55 and over’ and I want to challenge this. How many 55 year-olds do you know who would consider themselves old? Very few I bet. And for anyone who thinks themselves old at 55, it is going to make for a long and unending retirement.</p> <p>With life expectancy constantly increasing (in Australia this figure is 84.4 years for women and 80.3 years for men; Australian Bureau of Statistics, 2015), it is important to redefine what old age is. And it certainly doesn’t start at 55 (or 65 for that matter)!</p> <p><strong>Tips for feeling young in retirement</strong></p> <p>The good news is that feeling youthful is something that is within each of our spheres of control. The action that we take and the way that we respond to situations can help determine how we feel about ourselves. Below are 5 key tips for keeping yourself feeling young as you step into retirement.</p> <ol> <li><span style="text-decoration: underline;">Surround yourself with people of all ages</span></li> </ol> <p>If you only spend time with other older people, you risk becoming immersed in conversations focused on the ageing process (and the associated ‘woe is me’ grumbling) and missing out on the richness that the broader community offers. Younger people can help you to see life from a different perspective and you may be surprised at what they may want to learn from you!</p> <p> If age is simply a number then choose to spend time with people because of common interests, their personality and energy.</p> <ol> <li><span style="text-decoration: underline;">Give technology a go</span></li> </ol> <p>Rather than become overwhelmed by technology, give it a go. Ask one of your grandchildren to give you a tutorial on Snapchat, Facebook or Twitter. Even if you don’t use these apps on a regular basis at least you will know what the fuss is about and be able to join in conversations. Don’t let technology become a scary abyss too dark to tackle.</p> <ol> <li><span style="text-decoration: underline;">Stay active</span></li> </ol> <p>Do something each day to get the body moving. It doesn’t have to be strenuous and you don’t need to be able to run a marathon, but it is important to maintain your condition. Walking may start to tire you out, but rather than stop completely and adopt a mobility aid, walk slowly and frequently and build your strength and endurance.</p> <p>Care for your body so that you are able to do the things you desire.</p> <ol> <li><span style="text-decoration: underline;">Keep learning</span></li> </ol> <p>Ongoing learning is so important in retirement. Not only as a means of keeping the mind active, but for ensuring that you stay both interested in, and interesting to, the people around you.  There is much pleasure and satisfaction to be gained from staying abreast of trends and developments in an area of interest and engaging in hearty debate with like-minded people.</p> <ol> <li><span style="text-decoration: underline;">Focus on the positive</span></li> </ol> <p>You get more of what you focus on. Don’t let the ageing process define you. Rather than complain about ailments, injuries and hardships, focus on the good things in life. What are the kind things that someone else has done for you, the things that pleasantly surprised you and the new things you’ve learned.</p> <p>Let your ideas, energy and dreams rather than your age define your retirement. Remember: “<em>It’s not how old you are, but how you are old</em>” – Jules Renard.</p> <p><em>The key to success for the people who work with Megan is structured planning, looking beyond the finances, harnessing opportunities, informed decision making and tailored action. For more information visit, <span style="text-decoration: underline;"><strong><a href="http://www.megangiles.com/" target="_blank">www.megangiles.com</a></strong></span>.</em></p>

Retirement Life