The gift giving season is here. Many people are giving gift certificates or gift cards to family, friends and service people. For some, this is the easiest gift for seniors to give because of the many crowded stores and tight budgets. If this is what you choose to do, be sure to tell the recipient of your generosity to please use the gift card as soon as possible.
Why? Some of the stores have an early expiration date on their cards or they charge a fee for the months when the card is not used. This could soon wipe out the value of the card. Also, don’t forget that some companies are having a difficult time financially and could go into bankruptcy leaving the card worthless.
If you receive gift cards, be sure to use them as soon as possible. And don't forget the thank you notes.
Happy Holidays. Be safe and enjoy the season with family and/or friends.
Sunday, December 14, 2008
Sunday, November 23, 2008
Holiday Tips
The holidays are fast approaching and our economic climate hasn’t improved except for the lower gas prices. I can’t believe that my husband purchased gas for $1.589 per gallon today when a couple of months ago the price was over $4.00 a gallon. We seniors are especially hit with the reality of increasing prices while on a fixed income.
We must be extremely creative with our limited financial resources while holiday shopping. This is where sale papers, manufacturers’ coupons, store coupons, and online coupons come in handy. Whether you are shopping for gifts, holiday decorations or food look for coupons. When buying gift cards, be aware that some cards have an expiration date. Earlier this year, some stores went out of business and many gift card recipients couldn’t redeem their cards. That was money down the drain.
Make a list of the people to whom you usually give gifts. Is there anyone you can eliminate without causing a problem? (Hint: Some of these friends and relatives may also wish to be removed from your list so that they may remove your name. Don’t hesitate to talk to them to get a feeling of what they think. You aren’t the only one suffering.)
For the adults in your family you could pull names. Each adult writes his or her name on a slip of paper with a wish list of three to five items under a set price (i.e.: $25). Then each person pulls a name and shops for that one adult rather than for everyone. OR everyone could make or purchase inexpensive gag gifts that suit the recipient’s personality.
Prepare the children honestly about economic hardships and your inability to buy every gift they request. A reality check done without the harsh anger you may feel will help youngsters deal with life better in the future. Begin early scaling back on so many toys and gadgets. Many young children are soon bored with new toys anyway and play with the boxes that the gifts come in. Encourage this creativity with washable markers and crayons. Let the children play with the wrapping paper and ribbon that you weren’t planning to reuse. (Of course, reusing wrapping and ribbon saves money.)
When wrapping gifts for children use the comic section of the newspaper. Wrap an adult’s gift in the sports section, the movie section, television guide or the kitchen section of the paper. Not every gift needs a ribbon.
In our family, Thanksgiving dinner is always potluck. As host and hostess this year, my husband and I are providing the turkey, dressing, a homemade cranberry relish (my husband’s specialty) and a dessert. My sister makes her delicious homemade rolls and several other side dishes. Mother always bakes her popular pound cake. Our niece and a cousin will also provide side dishes and/or desserts. Others are invited to bring whatever they wish to bring but they are not asked to do so. A host and hostess gift is not required.
This Thanksgiving we are expecting 18 dinner guests for plenty of food, fun and frivolity. Happy Thanksgiving! Enjoy.
We must be extremely creative with our limited financial resources while holiday shopping. This is where sale papers, manufacturers’ coupons, store coupons, and online coupons come in handy. Whether you are shopping for gifts, holiday decorations or food look for coupons. When buying gift cards, be aware that some cards have an expiration date. Earlier this year, some stores went out of business and many gift card recipients couldn’t redeem their cards. That was money down the drain.
Make a list of the people to whom you usually give gifts. Is there anyone you can eliminate without causing a problem? (Hint: Some of these friends and relatives may also wish to be removed from your list so that they may remove your name. Don’t hesitate to talk to them to get a feeling of what they think. You aren’t the only one suffering.)
For the adults in your family you could pull names. Each adult writes his or her name on a slip of paper with a wish list of three to five items under a set price (i.e.: $25). Then each person pulls a name and shops for that one adult rather than for everyone. OR everyone could make or purchase inexpensive gag gifts that suit the recipient’s personality.
Prepare the children honestly about economic hardships and your inability to buy every gift they request. A reality check done without the harsh anger you may feel will help youngsters deal with life better in the future. Begin early scaling back on so many toys and gadgets. Many young children are soon bored with new toys anyway and play with the boxes that the gifts come in. Encourage this creativity with washable markers and crayons. Let the children play with the wrapping paper and ribbon that you weren’t planning to reuse. (Of course, reusing wrapping and ribbon saves money.)
When wrapping gifts for children use the comic section of the newspaper. Wrap an adult’s gift in the sports section, the movie section, television guide or the kitchen section of the paper. Not every gift needs a ribbon.
In our family, Thanksgiving dinner is always potluck. As host and hostess this year, my husband and I are providing the turkey, dressing, a homemade cranberry relish (my husband’s specialty) and a dessert. My sister makes her delicious homemade rolls and several other side dishes. Mother always bakes her popular pound cake. Our niece and a cousin will also provide side dishes and/or desserts. Others are invited to bring whatever they wish to bring but they are not asked to do so. A host and hostess gift is not required.
This Thanksgiving we are expecting 18 dinner guests for plenty of food, fun and frivolity. Happy Thanksgiving! Enjoy.
Saturday, November 15, 2008
Historical Time in the United States
On November 4, 2008, history was made in the United States of American. The majority of Americans voted for the first African-American president-elect, Senator Barack Obama, a Democrat. The vote was overwhelming in his favor over Senator John McCain, the Republican candidate.
The news of Obama’s win was cheered in countries around the world. England, Kenya and Indonesia were among the many countries where people were elated that Barack Obama won the election. Some Americans were surprised that our election was so closely watched by other countries. Our very troubled economy has affected more than just America and people want a change for the better.
In Chicago, Illinois, where Obama and his family reside, many people waited all day in Grant Park in the hopes that they would hear the announcement that Barack Obama won the election and would deliver an acceptance speech. They were not disappointed. Pictures showed thousands and thousands of people cheering, crying and hugging. The requests for tickets to Obama’s inauguration are starting to come in now. Reporters state that the number of requests to attend his inauguration is higher than for any other president-elect. History has been made. . . in my lifetime.
The news of Obama’s win was cheered in countries around the world. England, Kenya and Indonesia were among the many countries where people were elated that Barack Obama won the election. Some Americans were surprised that our election was so closely watched by other countries. Our very troubled economy has affected more than just America and people want a change for the better.
In Chicago, Illinois, where Obama and his family reside, many people waited all day in Grant Park in the hopes that they would hear the announcement that Barack Obama won the election and would deliver an acceptance speech. They were not disappointed. Pictures showed thousands and thousands of people cheering, crying and hugging. The requests for tickets to Obama’s inauguration are starting to come in now. Reporters state that the number of requests to attend his inauguration is higher than for any other president-elect. History has been made. . . in my lifetime.
Friday, October 31, 2008
Don't forget to vote.
We have an historic election in a few days. Regardless of the outcome, our country will make history. The country will elect either an African American president or a female vice president. The politicians constantly talk about change which many voters want. However, what that change will be is anybody’s guess.
As seniors, one major concern we have is how the current economic crisis will affect our retirement funds. We are holding our breath until after the election to see what the next president’s policies will be. What will happen with taxes? What about our health care system? Will the war in Iraq and the war in Afghanistan end? Will the gas prices climb or return to a reasonable level? I will be glad when this contentious campaign is over. I have high hopes for a good future.
Meanwhile, I am working on saving money while enjoying retirement. Helpful hints will be coming in future blogs.
As seniors, one major concern we have is how the current economic crisis will affect our retirement funds. We are holding our breath until after the election to see what the next president’s policies will be. What will happen with taxes? What about our health care system? Will the war in Iraq and the war in Afghanistan end? Will the gas prices climb or return to a reasonable level? I will be glad when this contentious campaign is over. I have high hopes for a good future.
Meanwhile, I am working on saving money while enjoying retirement. Helpful hints will be coming in future blogs.
Saturday, October 18, 2008
Keeping the Brain Active
I’ve finally purchased a laptop to write my blogs when I am away from home. The laptop computer is a little different – just enough to challenge my senior brain. I know that we’re never too old to learn something new. Thank goodness I have tried to keep my brain active by playing Scrabble, solving the Jumble puzzles in the daily newspaper, solving some Sudoku puzzles, as well as writing my short stories. I’ve also learned to do common everyday activities in a different way just to keep my brain active. For example, instead of always opening the door with my right hand, I sometimes use my left hand. Trying new recipes, going to different movies, reading books in an unfamiliar genre are other ways to wake up my brain. I try not to follow my same old tiresome routine every day.
I’ve recently read and believe that a person must also incorporate some type of physical activity into his or her daily routine to keep the brain active. For seniors who have limited mobility, chair exercises are a great option. While seated, and with or without music, seniors can move their arms, legs, hands, feet and shoulders as a form of exercise. A person must, of course, consult his or her physician before beginning any exercise program.
To me chair exercises are a good beginning. It is never too late to begin exercising. If you want to do this, get advice from your doctor about what is best for you. Go to a senior center, the YMCA or YWCA, or to your place of worship where you are likely to find others who also wish to do some form of exercise. And if there are no groups where you live, start one yourself. You are limited only by your imagination.
Begin slowly for short periods of time then increase and vary your activity. Some seniors are able to walk for a couple of miles and some can run in a marathon. But don’t feel that you must match someone else’s level of activity. Be true to yourself and your abilities. But above all, enjoy what you do. My husband and I enjoy country line dancing for singles and for couples even though I have some limitation in my mobility. I changed a few of the steps so that I may keep up; but I won’t quit. And I still love golf; but winter is coming. I will have to play virtual golf indoors. I think mall walking is also on my winter agenda. But whatever I do, I want to keep moving. This will help my brain stay active.
I’ve recently read and believe that a person must also incorporate some type of physical activity into his or her daily routine to keep the brain active. For seniors who have limited mobility, chair exercises are a great option. While seated, and with or without music, seniors can move their arms, legs, hands, feet and shoulders as a form of exercise. A person must, of course, consult his or her physician before beginning any exercise program.
To me chair exercises are a good beginning. It is never too late to begin exercising. If you want to do this, get advice from your doctor about what is best for you. Go to a senior center, the YMCA or YWCA, or to your place of worship where you are likely to find others who also wish to do some form of exercise. And if there are no groups where you live, start one yourself. You are limited only by your imagination.
Begin slowly for short periods of time then increase and vary your activity. Some seniors are able to walk for a couple of miles and some can run in a marathon. But don’t feel that you must match someone else’s level of activity. Be true to yourself and your abilities. But above all, enjoy what you do. My husband and I enjoy country line dancing for singles and for couples even though I have some limitation in my mobility. I changed a few of the steps so that I may keep up; but I won’t quit. And I still love golf; but winter is coming. I will have to play virtual golf indoors. I think mall walking is also on my winter agenda. But whatever I do, I want to keep moving. This will help my brain stay active.
Saturday, October 4, 2008
Our economy floundered.
The $700 billion (plus $100 billion) bailout bill has been passed by both the Senate and the House of Representatives and signed by the President. What does it all mean? That depends on which expert you listen to. What it means to me is that we must find even more ways to economize because that bailout money has to come from the government. And we, the everyday citizen, are the government. The money will come from us.
I plan to organize my household goods so that I avoid purchasing duplicates and triplicates of certain items unnecessarily. I won’t purchase anything in large quantities that will spoil or not be used within a reasonable amount of time. When there is a good sale on non-perishable items such as facial tissue, I will purchase in bulk.
Sometimes it is difficult for me to plan meals ahead of time so that I purchase only what is needed before the next shopping trip. I often change my mind about what I am in the mood to eat. My husband is easier to feed. Whatever I cook, he will eat.
My husband and I sometimes prefer to eat out; however, we may have to do that less often in this crazy economy. Eating out while vacationing can be a problem because the cost of eating out has escalated. We try to have the heavier meal in the afternoon because it is cheaper and healthier. We may try ordering soup and salad and share one entrée which saves even more. And we rarely order drinks with meals. Water is free.
Budgeting is my focus. We are both retired and living on a fixed income like many retirees and things are getting tighter. But with good planning we will make it.
I plan to organize my household goods so that I avoid purchasing duplicates and triplicates of certain items unnecessarily. I won’t purchase anything in large quantities that will spoil or not be used within a reasonable amount of time. When there is a good sale on non-perishable items such as facial tissue, I will purchase in bulk.
Sometimes it is difficult for me to plan meals ahead of time so that I purchase only what is needed before the next shopping trip. I often change my mind about what I am in the mood to eat. My husband is easier to feed. Whatever I cook, he will eat.
My husband and I sometimes prefer to eat out; however, we may have to do that less often in this crazy economy. Eating out while vacationing can be a problem because the cost of eating out has escalated. We try to have the heavier meal in the afternoon because it is cheaper and healthier. We may try ordering soup and salad and share one entrée which saves even more. And we rarely order drinks with meals. Water is free.
Budgeting is my focus. We are both retired and living on a fixed income like many retirees and things are getting tighter. But with good planning we will make it.
Monday, September 29, 2008
Update on “Is your money safe?
A few days ago one television news report showed a woman who had her family funds in an FDIC insured bank. Yet she said she still lost over $20,000. Why? She did not realize that she was over the monetary limit because of recent changes to her and her husband’s financial picture. When you check to see if all of your finances are insured, don’t forget to check your retirement account, savings, CDs, etc. Check and double check everything.
Today was an historic day in our nation and especially on Wall Street. The President asked for a $700 billion bailout for the financial industry and the House of Representatives voted, “No!” Wall Street responded with the Dow Industrials dropping 777 points and NASDAQ losing over 9% of its value, the largest single day’s percent drop since 1987.
What will tomorrow bring?
Today was an historic day in our nation and especially on Wall Street. The President asked for a $700 billion bailout for the financial industry and the House of Representatives voted, “No!” Wall Street responded with the Dow Industrials dropping 777 points and NASDAQ losing over 9% of its value, the largest single day’s percent drop since 1987.
What will tomorrow bring?
Wednesday, September 24, 2008
Is Your Money Safe?
A few banks have failed, some businesses have gone belly-up, many people have lost their homes, job losses are high and gas prices are exorbitant. The near failure of our economy was caused in part by poor mortgage practices, shaky loans, bad investments and stock market losses.
In light of the government’s request for a $700 billion bailout for the U. S. financial market which will cost every U. S. citizen, including our children, approximately $5,000 each, you need to know if your money is safe. If the bailout isn’t approved, our financial markets will collapse according to President Bush, U. S. Treasury Secretary Henry Paulson, Federal Reserve Chairman Ben Bernanke and the “experts” on Wall Street.
I am not a financial expert, but I will give you information on where to get the info you need. Is your money safe?
Quoting the Federal Deposit Insurance Corporation website, “The basic insurance amount is $100,000 per depositor per insured bank. Certain retirement accounts, such as Individual Retirement Accounts, are insured up to $250,000 per depositor per insured bank.” HOWEVER, you must check out this information for yourself and your family. Do not depend upon any advice given by just anyone.
The website that you should go to for banking information is www.fdic.gov or to www.myfdic.gov.
For credit union information Google the National Credit Union Share Insurance Fund (NCUSIF) and Google Excess Share Insurance (ESI). You may be able to determine how much of your money is actually insured.
Now is the time to become informed.
In light of the government’s request for a $700 billion bailout for the U. S. financial market which will cost every U. S. citizen, including our children, approximately $5,000 each, you need to know if your money is safe. If the bailout isn’t approved, our financial markets will collapse according to President Bush, U. S. Treasury Secretary Henry Paulson, Federal Reserve Chairman Ben Bernanke and the “experts” on Wall Street.
I am not a financial expert, but I will give you information on where to get the info you need. Is your money safe?
Quoting the Federal Deposit Insurance Corporation website, “The basic insurance amount is $100,000 per depositor per insured bank. Certain retirement accounts, such as Individual Retirement Accounts, are insured up to $250,000 per depositor per insured bank.” HOWEVER, you must check out this information for yourself and your family. Do not depend upon any advice given by just anyone.
The website that you should go to for banking information is www.fdic.gov or to www.myfdic.gov.
For credit union information Google the National Credit Union Share Insurance Fund (NCUSIF) and Google Excess Share Insurance (ESI). You may be able to determine how much of your money is actually insured.
Now is the time to become informed.
Friday, September 19, 2008
Protect Your Money: FDIC Information
The economic picture in the United States is frightening especially to seniors who lived through the stock market crash in 1929 and the Depression. Years ago, my late father told me that he lost the money he saved from his paper route when his bank failed. He said it wasn’t much, but it was important to him.
But now the government insures our money for up to $100,000 for each depositor in each bank or thrift institution. This is done through the Federal Depositors Insurance Corporation or FDIC. Separating your money into different branches of the same institution doesn’t increase the insurance protection. You are still one depositor. Accounts include savings, checking and CDs or any other accounts in that institution. It is very important that you know exactly how much you have and where all of your funds are located. Very important banking information can be found at www.fdic.gov. Also a copy of the FDIC publication, Your Insured Deposits, will give you important banking information about federal deposit insurance. Or call FDIC’s Central Call Center at 877-275-3342.
The website may also give you information on banks that have failed. It is wise to check before you lose all that you have saved.
But now the government insures our money for up to $100,000 for each depositor in each bank or thrift institution. This is done through the Federal Depositors Insurance Corporation or FDIC. Separating your money into different branches of the same institution doesn’t increase the insurance protection. You are still one depositor. Accounts include savings, checking and CDs or any other accounts in that institution. It is very important that you know exactly how much you have and where all of your funds are located. Very important banking information can be found at www.fdic.gov. Also a copy of the FDIC publication, Your Insured Deposits, will give you important banking information about federal deposit insurance. Or call FDIC’s Central Call Center at 877-275-3342.
The website may also give you information on banks that have failed. It is wise to check before you lose all that you have saved.
Tuesday, September 16, 2008
More Travel Tips
If we are traveling with our adult children and young grandchildren, we let each person pick one or two activities and places to eat. This gives everyone something to look forward to no matter where we are. For example, I don’t like carnival rides but my husband does. He rides with the grandchildren while I take pictures of them. Of course, we try to introduce the youngsters to new activities whenever possible. Putt-Putt golf was a hit with the grandchildren. And a stop at a McDonald’s is always a treat for them.
Swimming, attending the state fair, riding the train and petting the animals at the zoo are some of the activities we have enjoyed together. We have heard some people make negative comments about taking grandchildren on vacation. For us, these family oriented vacations are fun and help expose children to adventures they enjoy.
But, of course, my husband and I often travel alone. I first learned to play golf last year. Since then we have played golf together in six different states. Some of the beautiful golf courses are picture worthy.
One of our favorite trips was on the Dave Koz Jazz Cruise. We enjoyed the talented musicians, great singers, delicious food, fun activities, great shopping, informative site seeing, and the friendly people we met on the cruise ship. It was a perfect romantic vacation. That is a trip we will take again some day.
Swimming, attending the state fair, riding the train and petting the animals at the zoo are some of the activities we have enjoyed together. We have heard some people make negative comments about taking grandchildren on vacation. For us, these family oriented vacations are fun and help expose children to adventures they enjoy.
But, of course, my husband and I often travel alone. I first learned to play golf last year. Since then we have played golf together in six different states. Some of the beautiful golf courses are picture worthy.
One of our favorite trips was on the Dave Koz Jazz Cruise. We enjoyed the talented musicians, great singers, delicious food, fun activities, great shopping, informative site seeing, and the friendly people we met on the cruise ship. It was a perfect romantic vacation. That is a trip we will take again some day.
Monday, September 15, 2008
Travel Tips
My husband and I have returned from an extensive, fun filled vacation. We’ve made some significant changes in the way we travel. I now pack fewer clothes because many airlines are charging for a second checked bag. Some even charge for the first one. At least one airline charges $100 for a third bag; and the dimensions of a carry-on bag are limited.
To stay under the luggage weight limit, we now take three carry-on size suitcases at the most for long trips and wash clothes if necessary. We check two of the bags and my husband takes the third one. I carry a purse and a smaller carry-on for books, healthy snacks, water (purchased after going through security), travel Scrabble and our meds (which should never be in checked bags). Finding more light weight, wrinkle resistant clothing will also help us stay under the luggage weight limit and will make washing our clothes more convenient. I plan to do a catalog search for travel magazines that specialize in this type of clothing.
We have always booked non-stop flights whenever possible. We may have to take one- and two-stop flights because the price has increased for some non-stop flights. Also the idea of taking the train sounds more and more appealing to our budget conscious minds.
Internet searches for possible destinations, accommodations and weather conditions help make our trips care free. I record in my small notebook the pluses and minuses of our trips so that we’ll know which vacation spots we may wish to visit again.
This senior has learned to relax and find pleasure every day whether I am on vacation or having a “staycation.”
To stay under the luggage weight limit, we now take three carry-on size suitcases at the most for long trips and wash clothes if necessary. We check two of the bags and my husband takes the third one. I carry a purse and a smaller carry-on for books, healthy snacks, water (purchased after going through security), travel Scrabble and our meds (which should never be in checked bags). Finding more light weight, wrinkle resistant clothing will also help us stay under the luggage weight limit and will make washing our clothes more convenient. I plan to do a catalog search for travel magazines that specialize in this type of clothing.
We have always booked non-stop flights whenever possible. We may have to take one- and two-stop flights because the price has increased for some non-stop flights. Also the idea of taking the train sounds more and more appealing to our budget conscious minds.
Internet searches for possible destinations, accommodations and weather conditions help make our trips care free. I record in my small notebook the pluses and minuses of our trips so that we’ll know which vacation spots we may wish to visit again.
This senior has learned to relax and find pleasure every day whether I am on vacation or having a “staycation.”
Saturday, September 6, 2008
On the Cusp of History
We are on the cusp of an American, historical political change. As seniors, many of us never thought we would see this in our lifetime. This year we will elect the first African American--a male--as president of the United States of America OR the first white female as vice president. Our country has always elected white males to these two top positions.
The political campaigns of both major parties have called for "change." Some governmental changes have included the introduction of females and African American males to the Supreme Court. We have seen women and minorities become city council members, mayors and state governors. Other occupations previously closed to women are now commonly held by women. Police chiefs, bus drivers, construction workers and electricians may be female. But this year's political change is significantly different.
An African American male as a Democratic president or a white female as a Republican vice president. Which ticket will I choose? Hmmm. It's called a secret ballot for a reason.
Don't forget to vote?
The political campaigns of both major parties have called for "change." Some governmental changes have included the introduction of females and African American males to the Supreme Court. We have seen women and minorities become city council members, mayors and state governors. Other occupations previously closed to women are now commonly held by women. Police chiefs, bus drivers, construction workers and electricians may be female. But this year's political change is significantly different.
An African American male as a Democratic president or a white female as a Republican vice president. Which ticket will I choose? Hmmm. It's called a secret ballot for a reason.
Don't forget to vote?
Saturday, August 23, 2008
Mother, daughter, granddaughter and great-granddaughter
My daughter, son-in-law and granddaughter came for a quick visit this weekend to see my mother who has been ill again. This put the four generations (mother, daughter, granddaughter and great-granddaughter) in the same room at the same time. Alas, no pictures this time because Mother is not up to a picture taking session. At her age, we take what we can get without embarrassing her.
It was fun to go through some of the family photos with Mother asking her great-granddaughter to identify the people in the old pictures. She did a good job of recognizing us when we were much younger. I discovered a picture of my grandmother when she was 16 years old. Mother said she looked like me at that age. I also found a picture of my father’s father and uncles in an old photo. Daddy had labeled the people in the photo. This will help with my genealogy study.
Soon, very soon, I will have to go through all the old family pictures to identify and label each one before no one is left to know who is who. My husband and I have threatened to do the same with our own extensive photo collection for some time. But we are so good at procrastinating. Shame, shame on us.
It was fun to go through some of the family photos with Mother asking her great-granddaughter to identify the people in the old pictures. She did a good job of recognizing us when we were much younger. I discovered a picture of my grandmother when she was 16 years old. Mother said she looked like me at that age. I also found a picture of my father’s father and uncles in an old photo. Daddy had labeled the people in the photo. This will help with my genealogy study.
Soon, very soon, I will have to go through all the old family pictures to identify and label each one before no one is left to know who is who. My husband and I have threatened to do the same with our own extensive photo collection for some time. But we are so good at procrastinating. Shame, shame on us.
Wednesday, August 20, 2008
The Sandwich Generation Squeeze
My mother is back in the hospital for the third time in a month and a half; I have health issues, minor ones thank goodness, that I must address now; and I’m scheduled to babysit our five year old granddaughter in about a week. Taking one day at a time, doing some deep breathing, reading snatches of a book purely for escapism, getting some exercise and trying to get enough rest is all I can do for now. I don’t know when my responsibilities will collide, but I can’t worry about it for now.
I will say that I am one of the lucky members of this sandwich generation. I do have a sister who is very instrumental in taking care of our mother. On one occasion, my husband and I were traveling a great distance to take care of his father, when Mother had to go into the hospital. Sis took care of that situation. She and I try to coordinate our schedules so that Mother is taken care of by one of us. But we do have a couple of family members and a friend we can call upon for a very short term backup if we are desperate enough.
Sis and I have to be prepared for the inevitable. After all, Mother is 88 ½ years old and in poor health. Fortunately Sis and I have already agreed on most of the major details but we have to write our plans down. It is very difficult to think of everything while under stress. With just the two of us and our children handling everything, we won’t have any conflicts to handle. Everything worked out beautifully when we had to handle our father’s services.
I also have a husband who is more than willing to take over the babysitting duties if I am unable to do so myself. Once he had to babysit for a couple of days by himself because I had a health issue to resolve. He did a great job, but he was worn out. And our granddaughter was thrilled because her grandfather was in charge. Of course, she was. She can get away with a few things with him.
Being part of the Sandwich Generation can be daunting at times. But there are many blessings. We've enjoyed the times that our four generations have been in the same place at the same time. And we treasure the numerous precious pictures that prove it.
I will say that I am one of the lucky members of this sandwich generation. I do have a sister who is very instrumental in taking care of our mother. On one occasion, my husband and I were traveling a great distance to take care of his father, when Mother had to go into the hospital. Sis took care of that situation. She and I try to coordinate our schedules so that Mother is taken care of by one of us. But we do have a couple of family members and a friend we can call upon for a very short term backup if we are desperate enough.
Sis and I have to be prepared for the inevitable. After all, Mother is 88 ½ years old and in poor health. Fortunately Sis and I have already agreed on most of the major details but we have to write our plans down. It is very difficult to think of everything while under stress. With just the two of us and our children handling everything, we won’t have any conflicts to handle. Everything worked out beautifully when we had to handle our father’s services.
I also have a husband who is more than willing to take over the babysitting duties if I am unable to do so myself. Once he had to babysit for a couple of days by himself because I had a health issue to resolve. He did a great job, but he was worn out. And our granddaughter was thrilled because her grandfather was in charge. Of course, she was. She can get away with a few things with him.
Being part of the Sandwich Generation can be daunting at times. But there are many blessings. We've enjoyed the times that our four generations have been in the same place at the same time. And we treasure the numerous precious pictures that prove it.
Sunday, August 17, 2008
More exercise please
As a retired senior, I am watching the Olympics with a sigh. Knowing that I could not compete in any of the events made me just a little bit envious about the energetic young people who are competing. Then I saw Dara Torres at age 41 win a silver medal in her swimming event. She has won three silver medals and is older than the combined ages of the gold and bronze winners of one of the events. I also caught a glimpse of a gray haired gentleman preparing to compete in an Olympic sailing event after he failed to win a medal 40 years ago. And I believe that at least one of the female marathon runners is in her late thirties. I enjoy cheering for the older Olympic competitors. Yeh, yeh, I also cheer for the younger ones and competitors from other countries. Who am I kidding? I truly enjoy the games.
My husband, son and I were happy to attend the Olympics in Atlanta, Georgia in 1996. Yes, we were there, but in bed, when the bomb went off. That did not diminish our excitement in watching the games and talking to people from other countries. We could not afford to go to Sidney, Australia in 2000 or to Beijing, China this year. Maybe we can go to London, England in 2012. If not, there is always television.
But these games are encouraging me to get up and get moving. The longer I sit, the stiffer I get. The only exercise that I’ve had lately has been on the golf course. I am becoming a nut about the game. Imagine, me, a former anti-golf person enjoying the game as much as I am. The main reasons are (1) fresh air and exercise, (2) fun even if I’m not good at golf, (3) playing at any age, (4) hubby and I play together, and (5) the friendly people on the golf courses.
When the weather is too cold for me to play, I will do country line dancing, Tai Chi, walk and swim at the recreation center.
Check with your doctor first, but you also can be more physically active. If you are not a member of a recreation center or a YM or YWCA, try joining one. If you are not near one or your budget won’t allow membership, then try walking at a mall or on your street. Get a friend or partner to join you. Chair exercises help alleviate stiffness and most seniors can do it. Bowling or dancing with friends on a bi-weekly basis and lifting weights such as small barbells (use soup cans if barbells aren’t handy.) may help you physically.
As we get older, we must seek out physical activities that will keep us healthy and happy. And don’t forget to exercise your brain. I will discuss mental exercises later.
My husband, son and I were happy to attend the Olympics in Atlanta, Georgia in 1996. Yes, we were there, but in bed, when the bomb went off. That did not diminish our excitement in watching the games and talking to people from other countries. We could not afford to go to Sidney, Australia in 2000 or to Beijing, China this year. Maybe we can go to London, England in 2012. If not, there is always television.
But these games are encouraging me to get up and get moving. The longer I sit, the stiffer I get. The only exercise that I’ve had lately has been on the golf course. I am becoming a nut about the game. Imagine, me, a former anti-golf person enjoying the game as much as I am. The main reasons are (1) fresh air and exercise, (2) fun even if I’m not good at golf, (3) playing at any age, (4) hubby and I play together, and (5) the friendly people on the golf courses.
When the weather is too cold for me to play, I will do country line dancing, Tai Chi, walk and swim at the recreation center.
Check with your doctor first, but you also can be more physically active. If you are not a member of a recreation center or a YM or YWCA, try joining one. If you are not near one or your budget won’t allow membership, then try walking at a mall or on your street. Get a friend or partner to join you. Chair exercises help alleviate stiffness and most seniors can do it. Bowling or dancing with friends on a bi-weekly basis and lifting weights such as small barbells (use soup cans if barbells aren’t handy.) may help you physically.
As we get older, we must seek out physical activities that will keep us healthy and happy. And don’t forget to exercise your brain. I will discuss mental exercises later.
Friday, August 15, 2008
The Workbook Was Worth the Struggle
As a retiree, I now have time to devote myself to the craft of writing, my favorite hobby. Last night I completed writing the workbook that will accompany the anthology, "It’s Worth the Struggle: Inspiration for Contemporary Writers." The words of the essayists included in our anthology inspired me to write the workbook. Using a direct quote from each of the writers, I developed a task to accompany each quote. Writers can use the lined pages in the notebook to complete the tasks. Hopefully, these tasks will encourage writers to write with more confidence.
My initial effort excited my fellow editors and I made an all-out effort to produce the best workbook that I could write. I can’t describe how ecstatic I am over the results. The completed workbook manuscript is now in the hands of the other editors. I hold my breath that this is what they want. Who am I kidding? I am very happy with the results and I know they will like it. Even if they have to make a few editorial changes, they will like what I have done. YOU GO, GIRL!
My initial effort excited my fellow editors and I made an all-out effort to produce the best workbook that I could write. I can’t describe how ecstatic I am over the results. The completed workbook manuscript is now in the hands of the other editors. I hold my breath that this is what they want. Who am I kidding? I am very happy with the results and I know they will like it. Even if they have to make a few editorial changes, they will like what I have done. YOU GO, GIRL!
Wednesday, August 13, 2008
Pass It On
The talents you have should not be lost or forgotten. This can only be done if you pass it on. In other words, teach the next generation. My grandmother started making quilts for her granddaughters but didn’t finish before she passed away. None of us learned to quilt. How sad.
Photography has always been important to our family and many of my cousins have continued the tradition of taking pictures at all family reunions. My eight year old nephew is also very good at taking pictures during special occasions.
My father and mother danced together most of their adult lives. I remember the day Daddy said to his two beloved daughters, “I’m going to teach you girls how to dance. We’re not having any wallflowers in this house.”
I quickly learned to follow his smooth dance steps. My younger sister was still young enough to stand on his feet while he taught her to social dance, waltz and cha cha. My sister and I, in turn, taught our children to dance. Our grandchildren dance and, of course, added the hustle and a few other modern dances to their repertoire.
I know how to crochet simple items and have made afghans for my granddaughter and her doll. I still can’t believe my very active granddaughter, at the age of three and a half, would sit still for an hour at a time to watch me crochet. At five, she still does. She has shown an interest in doing simple crafts and I am teaching her how.
If you love music, pass that appreciation on. Expose the younger generation to various types of music such as jazz, country, classical as well as music from other cultures. Take the children to concerts, plays, zoos, museums and libraries. Help them learn to appreciate the arts. Remember, you are retired. You have some time to pass on a legacy of culture to the younger generation. And please allow them to show you what they know.
Photography has always been important to our family and many of my cousins have continued the tradition of taking pictures at all family reunions. My eight year old nephew is also very good at taking pictures during special occasions.
My father and mother danced together most of their adult lives. I remember the day Daddy said to his two beloved daughters, “I’m going to teach you girls how to dance. We’re not having any wallflowers in this house.”
I quickly learned to follow his smooth dance steps. My younger sister was still young enough to stand on his feet while he taught her to social dance, waltz and cha cha. My sister and I, in turn, taught our children to dance. Our grandchildren dance and, of course, added the hustle and a few other modern dances to their repertoire.
I know how to crochet simple items and have made afghans for my granddaughter and her doll. I still can’t believe my very active granddaughter, at the age of three and a half, would sit still for an hour at a time to watch me crochet. At five, she still does. She has shown an interest in doing simple crafts and I am teaching her how.
If you love music, pass that appreciation on. Expose the younger generation to various types of music such as jazz, country, classical as well as music from other cultures. Take the children to concerts, plays, zoos, museums and libraries. Help them learn to appreciate the arts. Remember, you are retired. You have some time to pass on a legacy of culture to the younger generation. And please allow them to show you what they know.
Tuesday, August 12, 2008
We Gather Together
When you have more than one generation together for a short visit, during a long stay or because of a permanent arrangement, there are precautions you should take. Children and adult medications don’t mix. Be sure that you keep grandma’s, grandpa’s and your own medications out of reach of younger family members. Remember, they can climb. And it never hurts to caution the youngsters that they shouldn’t touch anyone else’s medicine.
Serving meals for multiple generations can also be difficult because of the special dietary needs of the elderly and the finicky taste buds of the young. Engage the children in selecting some menu items and help them prepare the easier dishes. They could even prepare some of the food for their grandparents. The children could learn to fix meals to freeze for their grandparents to eat at a later time. This will help the children feel special and also encourages the children to develop empathy for others.
Whenever I visited my invalid father-in-law who lived over 600 miles from us, I would spend one day preparing five or six of his favorite meals. Then I would freeze meal size portions so that he would have food for a couple of months after we returned home. Of course, other family members did the same thing so that he was never without food.
The noise level of grandchildren can be a little overwhelming for the elderly so youngsters should be taught to “Keep it down.” Find quieter activities for the children during the old folks' naptime. But when the grandparents are awake – and willing – the children could play dominoes, checkers, card games and board games with them. They can also read to their elders and/or their elders could read to them.
It takes a little work to have several generations living together successfully. But multi-generational living can be good for all concerned.
Serving meals for multiple generations can also be difficult because of the special dietary needs of the elderly and the finicky taste buds of the young. Engage the children in selecting some menu items and help them prepare the easier dishes. They could even prepare some of the food for their grandparents. The children could learn to fix meals to freeze for their grandparents to eat at a later time. This will help the children feel special and also encourages the children to develop empathy for others.
Whenever I visited my invalid father-in-law who lived over 600 miles from us, I would spend one day preparing five or six of his favorite meals. Then I would freeze meal size portions so that he would have food for a couple of months after we returned home. Of course, other family members did the same thing so that he was never without food.
The noise level of grandchildren can be a little overwhelming for the elderly so youngsters should be taught to “Keep it down.” Find quieter activities for the children during the old folks' naptime. But when the grandparents are awake – and willing – the children could play dominoes, checkers, card games and board games with them. They can also read to their elders and/or their elders could read to them.
It takes a little work to have several generations living together successfully. But multi-generational living can be good for all concerned.
Sunday, August 10, 2008
Picture This
When you are with family members, don't miss an opportunity to take pictures. Be sure to record the date, time, place, event (if special) and full names of people in the photos. Don't assume you'll remember the who, what, where and why of all your pictures. Memories fade. Besides you may not be there to tell your children and grandchildren about your pictures.
If you have not yet organized your many photos in albums, you should do so as soon as possible. Empty those envelopes and shoe boxes of photos starting with your most recent photos because your memory of the recent photos is fresher. Put the photos in albums and label them. I have seen some albums with stories next to many of the pictures. Not all photos are worth salvalging. But select carefully. Instead of throwing out duplicates or unwanted photos, offer them to other family members.
Not sure of how to organize photos? Try choosing a theme for each section of an album, if not the entire album. Themes such as (a) Vacation Highlights, (b) Children at Play, (c) Family Birthdays or (d) Family Group Photos for your family genealogy study may help you get started organizing your photos. Or you can put your pictures in chronological order.
Of course, people who use digital cameras can print their pictures for albums and/or save their pictures on DVDs or on zip drives. On that, I can't give you any suggestions. After all, I'm just now getting into blogging. . . and having a great time doing it.
If you have not yet organized your many photos in albums, you should do so as soon as possible. Empty those envelopes and shoe boxes of photos starting with your most recent photos because your memory of the recent photos is fresher. Put the photos in albums and label them. I have seen some albums with stories next to many of the pictures. Not all photos are worth salvalging. But select carefully. Instead of throwing out duplicates or unwanted photos, offer them to other family members.
Not sure of how to organize photos? Try choosing a theme for each section of an album, if not the entire album. Themes such as (a) Vacation Highlights, (b) Children at Play, (c) Family Birthdays or (d) Family Group Photos for your family genealogy study may help you get started organizing your photos. Or you can put your pictures in chronological order.
Of course, people who use digital cameras can print their pictures for albums and/or save their pictures on DVDs or on zip drives. On that, I can't give you any suggestions. After all, I'm just now getting into blogging. . . and having a great time doing it.
Friday, August 8, 2008
Genealogy
Now that you're retired--or even while you're considering retirement--think about studying your family's genealogy. Do the study before you lose any more older members of the family--and before you forget what you know about your family.
Start with yourself and what you know about your family. Then with permission, tape record interviews with the older generation and younger ones who remember family facts and stories. Prepare questions in advance, but let their answers guide your subsequent questions.
Also take notes during the interview. (For example: What was the interviewees reactions to certain questions? What unfamiliar names and places were mentioned during the interview?
Take a class or attend workshops on genealogy. Join a genealogy group to gain insight into achieving success in your research. Learn to organize your findings immediately. Make copies of all documents and make a computer back-up of the written data. Decide how you want to display the results. Will you produce a printed book or do you prefer a folder with room in the back for adding future generations?
My genealogy study was very haphazard in the beginning because I had no idea what I was doing. After attending several workshops and classes and joining a genealogy society, I did things differently. My research has helped me go back four generations on one side of the family and five generations on the other side. My research is not yet complete but I'm enjoying the findings. I'm even making plans to visit the states where my paternal and maternal parents and grandparents were born. Hopefully my grandchildren and great-grandchildren will take an interest in our genealogy and continue my work.
Start with yourself and what you know about your family. Then with permission, tape record interviews with the older generation and younger ones who remember family facts and stories. Prepare questions in advance, but let their answers guide your subsequent questions.
Also take notes during the interview. (For example: What was the interviewees reactions to certain questions? What unfamiliar names and places were mentioned during the interview?
Take a class or attend workshops on genealogy. Join a genealogy group to gain insight into achieving success in your research. Learn to organize your findings immediately. Make copies of all documents and make a computer back-up of the written data. Decide how you want to display the results. Will you produce a printed book or do you prefer a folder with room in the back for adding future generations?
My genealogy study was very haphazard in the beginning because I had no idea what I was doing. After attending several workshops and classes and joining a genealogy society, I did things differently. My research has helped me go back four generations on one side of the family and five generations on the other side. My research is not yet complete but I'm enjoying the findings. I'm even making plans to visit the states where my paternal and maternal parents and grandparents were born. Hopefully my grandchildren and great-grandchildren will take an interest in our genealogy and continue my work.
Wednesday, August 6, 2008
Meals Have Changed
Even though I enjoy cooking there are some days when I’d rather not be bothered. I’ve gotten into the habit of occasionally cooking several meals at once using the oven, stove top and microwave. But even this can be tiresome. Eating out every day is not in our budget, nor is it good for our health. But when we do eat out, we prefer to eat our heavier meal during the lunch hour. Many restaurants offer smaller lunch meals at a cheaper price. And, of course, I use coupons and/or senior discounts to cut the cost even more.
Our evening meals are much lighter. Now we don’t feel as sluggish at night. What may seem obvious to some people, simple didn’t register with me at first. Now, even when we eat at home, we much prefer to eat our heavier meals earlier in the day.
I’ve always been a traditional cook, never straying far from the standard meats, vegetables and seasonings. Learning to use less salt was easy. However, experimenting with different vegetables and spices hasn’t been easy for me.
My husband, bless his heart, is much more welling to experiment than I am. He eats what I put in front of him and has been brave enough to make a few suggestions. One of the most important changes is the introduction of broiled or grilled fresh salmon. (You mean salmon doesn’t grow in a can?) We like fresh salmon so much that we try to have some at least three to four times a month. This is an easy dish. Lemon juice and Mrs. Dash put on the salmon just before cooking is what I first used. We can very the flavor with other spices. I don’t even buy canned salmon anymore.
Now I’m trying to decide what new dish to try next? At least I know hubby will try it. As a matter of fact, he may even help me cook.
Our evening meals are much lighter. Now we don’t feel as sluggish at night. What may seem obvious to some people, simple didn’t register with me at first. Now, even when we eat at home, we much prefer to eat our heavier meals earlier in the day.
I’ve always been a traditional cook, never straying far from the standard meats, vegetables and seasonings. Learning to use less salt was easy. However, experimenting with different vegetables and spices hasn’t been easy for me.
My husband, bless his heart, is much more welling to experiment than I am. He eats what I put in front of him and has been brave enough to make a few suggestions. One of the most important changes is the introduction of broiled or grilled fresh salmon. (You mean salmon doesn’t grow in a can?) We like fresh salmon so much that we try to have some at least three to four times a month. This is an easy dish. Lemon juice and Mrs. Dash put on the salmon just before cooking is what I first used. We can very the flavor with other spices. I don’t even buy canned salmon anymore.
Now I’m trying to decide what new dish to try next? At least I know hubby will try it. As a matter of fact, he may even help me cook.
Tuesday, August 5, 2008
It's Worth the Struggle
For the past few months, some of my friends and I have worked on an anthology, “It’s Worth the Struggle: Inspiration for Contemporary Writers.” The idea for our book came from a group discussion about our writing experiences. We hoped to inspire others by sharing our stories. When we sent a “call-out” for other writers to share their writing experiences, we were pleased to accept over twenty essays. Serious, funny and inspiring essays fill the pages of the anthology.
Upon reading and helping edit the essays, I was inspired to compile a workbook to accompany the anthology. Using direct quotes from the authors’ essays, I wrote an assignment for each quote hoping to encourage people who have contemplated giving up their dream of writing. The workbook, with lined pages, will be small enough to keep in a purse or brief case. Our book launch and silent auction is planned for Friday, September 12, 2008 at the Southfield Parks & Recreation Building in Southfield, Michigan.
The tension and excitement is growing over our project. We’re hoping for a large, turnout at “An After-Work Affair.” Hopefully, all of the writers will be able to attend to allow people to meet the authors. One of the contributors will travel a great distance to be a part of the book launch.
I’ve always wanted to write. Retirement has given me the luxury of doing just that.
Upon reading and helping edit the essays, I was inspired to compile a workbook to accompany the anthology. Using direct quotes from the authors’ essays, I wrote an assignment for each quote hoping to encourage people who have contemplated giving up their dream of writing. The workbook, with lined pages, will be small enough to keep in a purse or brief case. Our book launch and silent auction is planned for Friday, September 12, 2008 at the Southfield Parks & Recreation Building in Southfield, Michigan.
The tension and excitement is growing over our project. We’re hoping for a large, turnout at “An After-Work Affair.” Hopefully, all of the writers will be able to attend to allow people to meet the authors. One of the contributors will travel a great distance to be a part of the book launch.
I’ve always wanted to write. Retirement has given me the luxury of doing just that.
Monday, August 4, 2008
Get a Life
One excellent way to say, “No,” to people who think they have a right to your time is to get a life. If you are busy, people can’t readily intrude on your time. People who plan for retirement usually plan financially, but not socially. You now have time to pursue a hobby, take a trip or study a subject you’ve never had time to pursue.
Photography had always been important to my father. Upon retiring, he took a class in photography and eventually had some of his work on display at an art exhibit. My mother took up jewelry making and taught other residents at her senior apartment building to make necklaces, bracelets and earrings. One senior who had arthritis said jewelry making helped her regain some of the flexibility in her hands. Mother took macramé classes and made macramé gifts for family and friends. Now she makes and sells candy containers decorated like adorable little dolls.
One of my many pursuits is studying genealogy. The classes and workshops I’ve attended have helped me discover information on my ancestors. My goal is to learn as much as I can and to publish the results for our family’s future generations.
Finding a pursuit that pleases you may take time. Try more than one hobby or activity and enjoy this part of your life.
Photography had always been important to my father. Upon retiring, he took a class in photography and eventually had some of his work on display at an art exhibit. My mother took up jewelry making and taught other residents at her senior apartment building to make necklaces, bracelets and earrings. One senior who had arthritis said jewelry making helped her regain some of the flexibility in her hands. Mother took macramé classes and made macramé gifts for family and friends. Now she makes and sells candy containers decorated like adorable little dolls.
One of my many pursuits is studying genealogy. The classes and workshops I’ve attended have helped me discover information on my ancestors. My goal is to learn as much as I can and to publish the results for our family’s future generations.
Finding a pursuit that pleases you may take time. Try more than one hobby or activity and enjoy this part of your life.
Sunday, August 3, 2008
Learn to say, “No.”
During the second year of my retirement, I received a telephone call asking for a favor.
“Could you please come to my school to be our permanent substitute?”
Taking a deep breath before answering, I knew that my response was not what he wanted to hear. “I’m sorry, but I don’t want to sub.”
“But you’re really needed. If you don’t want the job permanently, you could be an on-call sub.”
“Look, if the teachers are throwing a party, call me. If you want a sub, lose my number.”
He laughed and said, “You must really enjoy retirement.”
Oh, yes, I am. As much as I enjoyed teaching, I’ve discovered that there is a life during retirement. One of the biggest problems during this time is that people will ask for a favor then make you feel guilty for saying, “No.”
Get over it! Don’t let people use up your time and energy. Practice saying, “No,” in the mirror until you perfect the skill. Having a hard time with that? Try saying, “I’ll get back to you on that when I check my schedule.” Then decide if the favor is something you really want to grant. But be careful that the favor is a “one time” thing and not an on-going responsibility. It is okay if a parent, adult child, grandchild or close friend wants a favor and you say, “I can’t do it at this time.” Simply put into your schedule the times when you will be available to do something for them if you wish. I’m not telling you to be selfish; I’m just suggesting that you guard your precious time carefully.
Don’t give concert reasons for not granting the favor. That’s when others will say your reason isn’t good enough. Try saying, “I’m already committed on that day.” Don’t feel that you must justify your every activity.
Remember you’re retired. You are your own boss. Use time wisely.
“Could you please come to my school to be our permanent substitute?”
Taking a deep breath before answering, I knew that my response was not what he wanted to hear. “I’m sorry, but I don’t want to sub.”
“But you’re really needed. If you don’t want the job permanently, you could be an on-call sub.”
“Look, if the teachers are throwing a party, call me. If you want a sub, lose my number.”
He laughed and said, “You must really enjoy retirement.”
Oh, yes, I am. As much as I enjoyed teaching, I’ve discovered that there is a life during retirement. One of the biggest problems during this time is that people will ask for a favor then make you feel guilty for saying, “No.”
Get over it! Don’t let people use up your time and energy. Practice saying, “No,” in the mirror until you perfect the skill. Having a hard time with that? Try saying, “I’ll get back to you on that when I check my schedule.” Then decide if the favor is something you really want to grant. But be careful that the favor is a “one time” thing and not an on-going responsibility. It is okay if a parent, adult child, grandchild or close friend wants a favor and you say, “I can’t do it at this time.” Simply put into your schedule the times when you will be available to do something for them if you wish. I’m not telling you to be selfish; I’m just suggesting that you guard your precious time carefully.
Don’t give concert reasons for not granting the favor. That’s when others will say your reason isn’t good enough. Try saying, “I’m already committed on that day.” Don’t feel that you must justify your every activity.
Remember you’re retired. You are your own boss. Use time wisely.
Saturday, August 2, 2008
Watch Your Money
Finances may be difficult for your children and/or grandchildren in college. Avoid cashing in your retirement money to help with college fees. Students can apply for scholarships, but there are no scholarships for retirees. Also the financial experts will tell you not to co-sign for a student loan, car loan, bank loan or even a mortgage for anyone. If that person fails to pay on the loan, you are stuck for the balance. It will also negatively impact your credit rating and a good credit rating is hard to come by.
Conduct serious discussions with your family members about their finances. Remind them that they must be careful with their finances because yours are limited. You’ve worked hard for your retirement and they shouldn’t expect you to keep bailing them out. They should be empowered to help themselves even if it is a struggle.
If you can afford to help someone financially without it causing a hardship, feel free to do so. But never loan any more than you are willing to lose. It is better to give a small money gift to a relative rather than loan an amount you can’t afford to give away. Unpaid loans can cause a serious break in your relationship.
Even if you have extra money, your family members don’t have to know how much. Remember: That is your money in case of emergencies like a trip to Europe. You worked hard for the money. Don’t just give it away!
Conduct serious discussions with your family members about their finances. Remind them that they must be careful with their finances because yours are limited. You’ve worked hard for your retirement and they shouldn’t expect you to keep bailing them out. They should be empowered to help themselves even if it is a struggle.
If you can afford to help someone financially without it causing a hardship, feel free to do so. But never loan any more than you are willing to lose. It is better to give a small money gift to a relative rather than loan an amount you can’t afford to give away. Unpaid loans can cause a serious break in your relationship.
Even if you have extra money, your family members don’t have to know how much. Remember: That is your money in case of emergencies like a trip to Europe. You worked hard for the money. Don’t just give it away!
Friday, August 1, 2008
The Sandwich Generation
At a time when some people want to retire, their finances, time and energy are spent on their elderly parents as well as their own children and/or grandchildren. These people are too often caught in the middle of extra responsibilities from the other generations and tend to postpone their own relaxing retirement. Or if they have already retired, they can’t enjoy themselves because of pressing family obligations.
These people are part of the Sandwich Generation. Someone once said, “I feel like the baloney between two slices of bread.” When you feel the pressures from both sides, you must step back and reassess your situation. With parents living longer and adult children returning home often with their own children because of the struggling economy, what can you do?
You must make a plan that allows you to maintain free time to yourself and not be seen as an uncompensated, always available babysitter. You’ve raised your children; now they must raise their own. Arrange to keep your grandchildren on occasions as long as your children understand that the primary responsibility must be theirs. Some adult children assume Grandma is always available and they don’t bother to politely ask for compensated babysitting services.
Also find activities at a senior center or with other relatives for your elderly parents so that you are not totally responsible for them 24/7. If they are unable to go out because of health issues, have a trusted relative or friend stay with your parents so that you may have free time to yourself. Many cities and religious communities offer these types of services.
The caregiver who does not take care of herself wears out and will then need a caregiver of her own. This would apply to men also; but we know in our society the care giving usually falls to the woman regardless of whose parents are in need.
These people are part of the Sandwich Generation. Someone once said, “I feel like the baloney between two slices of bread.” When you feel the pressures from both sides, you must step back and reassess your situation. With parents living longer and adult children returning home often with their own children because of the struggling economy, what can you do?
You must make a plan that allows you to maintain free time to yourself and not be seen as an uncompensated, always available babysitter. You’ve raised your children; now they must raise their own. Arrange to keep your grandchildren on occasions as long as your children understand that the primary responsibility must be theirs. Some adult children assume Grandma is always available and they don’t bother to politely ask for compensated babysitting services.
Also find activities at a senior center or with other relatives for your elderly parents so that you are not totally responsible for them 24/7. If they are unable to go out because of health issues, have a trusted relative or friend stay with your parents so that you may have free time to yourself. Many cities and religious communities offer these types of services.
The caregiver who does not take care of herself wears out and will then need a caregiver of her own. This would apply to men also; but we know in our society the care giving usually falls to the woman regardless of whose parents are in need.
Thursday, July 31, 2008
More Travel Tips
Today one of the airlines announced that it will start charging customers $50 for a second checked bag. Some airlines already charge for every checked bag. Airline ticket prices are increasing; peanuts, pretzels and drinks are no longer free on some airlines; and luggage now costs extra.
Many people, particularly seniors who have looked forward to trips during retirement, are curtailing travel plans. But some of us are determined to fly especially to distant places. Driving across country doesn’t hold any special thrill for many of us unless we intend to stop and visit people and places on the way. We must find ways to cut back on travel costs.
Over the years, I learned to pack less and still have what I really need. Planning my wardrobe to allow for mixing and matching blouses, sweaters, skirts and slacks makes it easier to pack fewer items. Working around one basic color means I only have to take one pair of casual and one pair of dressier shoes. Hand washing some clothing at our destination means we can take less. I also put a complete change of my clothing in his bag and he puts one for himself in my bag just in case a bag is lost.
We also pack a change of clothing (at least a change of under garments) in our carry-on bags for the same reason. Lost luggage has happened to me twice, but I didn’t have to buy more clothes. And my luggage was found the next day both times.
Always pack your medications in your carry-on bag (in case of lost luggage) along with a paperback book; a magazine; a crossword, word jumble, or Sudoku book; a hand-held electronic game and/or a Travel Scrabble® or other travel games (to prevent boredom in case of delays). Traveling with parents, children and/or grandchildren offers some challenges which I will discuss in a future blog.
Many people, particularly seniors who have looked forward to trips during retirement, are curtailing travel plans. But some of us are determined to fly especially to distant places. Driving across country doesn’t hold any special thrill for many of us unless we intend to stop and visit people and places on the way. We must find ways to cut back on travel costs.
Over the years, I learned to pack less and still have what I really need. Planning my wardrobe to allow for mixing and matching blouses, sweaters, skirts and slacks makes it easier to pack fewer items. Working around one basic color means I only have to take one pair of casual and one pair of dressier shoes. Hand washing some clothing at our destination means we can take less. I also put a complete change of my clothing in his bag and he puts one for himself in my bag just in case a bag is lost.
We also pack a change of clothing (at least a change of under garments) in our carry-on bags for the same reason. Lost luggage has happened to me twice, but I didn’t have to buy more clothes. And my luggage was found the next day both times.
Always pack your medications in your carry-on bag (in case of lost luggage) along with a paperback book; a magazine; a crossword, word jumble, or Sudoku book; a hand-held electronic game and/or a Travel Scrabble® or other travel games (to prevent boredom in case of delays). Traveling with parents, children and/or grandchildren offers some challenges which I will discuss in a future blog.
Wednesday, July 30, 2008
Some Travel Tips
Traveling, whether on short or long trips, requires careful planning. Years ago my daughter told me to keep my bags packed ultimately to visit her at college and at her new home after graduation. We both knew she would never return to our home town to live. My carry-on bag contains cosmetics and other personal items which I replenish immediately upon returning from every trip.
My containers of liquids have been downsized to three ounces and put into a quart size plastic bag to readily pass security at airports. Instead of the small bottles of waterless hand sanitizer, I carry several resealable travel packs of moist antibacterial towelettes because these don’t count as liquids. For each subsequent trip, I only have to check the weather of my destination to know what outer garments to take. Then I pack and go.
Days before a scheduled plane trip, I buy munchables such as salt free or low salt mixed nuts or pretzels, dried fruit, or graham crackers to put into snack size plastic bags because the nuts and pretzels served on planes have a high sodium content. You may also take fresh fruit such as apples, pears or grapes on your trip. However, make sure you are allowed to take fresh fruit where you are going. For example, we couldn’t take fruit into Hawaii. I believe the authorities are concerned that our fruit could contain some type of pests that could ruin their crops.
Remember also to move around in your seat at least once an hour on any extended trips. Some airplane magazines give you instructions on how to exercise in your seat. If nothing else, get up and walk up and down the aisle once an hour.
Okay, okay. So I didn’t walk a mile day before yesterday. To me walking is boring although I need to do it for my health. Of course, walking at the mall is a different story. Yesterday however, I played nine holes of golf. I still can’t believe I’m not only playing golf, I’m loving it. Making a commitment to play golf twice a week in good weather, to dance around the house for 15 to 20 minutes a day and to do sit-ups once a day should start me on my way to a healthier lifestyle.
My containers of liquids have been downsized to three ounces and put into a quart size plastic bag to readily pass security at airports. Instead of the small bottles of waterless hand sanitizer, I carry several resealable travel packs of moist antibacterial towelettes because these don’t count as liquids. For each subsequent trip, I only have to check the weather of my destination to know what outer garments to take. Then I pack and go.
Days before a scheduled plane trip, I buy munchables such as salt free or low salt mixed nuts or pretzels, dried fruit, or graham crackers to put into snack size plastic bags because the nuts and pretzels served on planes have a high sodium content. You may also take fresh fruit such as apples, pears or grapes on your trip. However, make sure you are allowed to take fresh fruit where you are going. For example, we couldn’t take fruit into Hawaii. I believe the authorities are concerned that our fruit could contain some type of pests that could ruin their crops.
Remember also to move around in your seat at least once an hour on any extended trips. Some airplane magazines give you instructions on how to exercise in your seat. If nothing else, get up and walk up and down the aisle once an hour.
Okay, okay. So I didn’t walk a mile day before yesterday. To me walking is boring although I need to do it for my health. Of course, walking at the mall is a different story. Yesterday however, I played nine holes of golf. I still can’t believe I’m not only playing golf, I’m loving it. Making a commitment to play golf twice a week in good weather, to dance around the house for 15 to 20 minutes a day and to do sit-ups once a day should start me on my way to a healthier lifestyle.
Tuesday, July 29, 2008
Vacation or Staycation
Summer vacation trips have been curtailed by many families this year because of high gas prices, job cuts and the poor economy in general. Now “staycations” are the new norm. Short vacations where you “stay” closer to home can open your eyes to the world around you.
Are you a Kentucky resident who hasn’t visited Mammoth Cave? Have you missed Mackinac Island although you live in Michigan? Wisconsin residents have the Wisconsin Dells for family fun, South Dakota residents can visit Mt. Rushmore and Las Vegas residents have the Grand Canyon.
Some Florida residents haven’t visited Disney World. New Yorkers and Ontario, Canada residents have Niagara Falls for beautiful site seeing. Why not go to one of the sports stadiums for a fun day cheering your local team. Or visit the art museum or zoo. Call the visitors bureau in your city or state for information on places to visit close to home. Don’t forget to ask for senior rates, group rates and discounts for families.
If you prefer to actually stay at home, you can still enjoy yourself with a little planning. Why not have a themed potluck for your family and or friends. Games such as Bridge, Monopoly®, Cribbage®, checkers, chess and other board games are fun and good for your brain. You could also have a volleyball or baseball picnic at the park.
Last year, we had a Scrabble® potluck party at our house. Some of our friends had not played the game in years and weren’t sure about playing with regular Scrabble® players. We accommodated them by having dictionaries and two-letter word lists available for everyone to use. We also partnered each beginner with a more advanced player if they desired. We also didn’t bother with challenges where the person would lose a turn. We just helped them make better words for good scores.
Everyone brought a dish, homemade or store bought, to serve. And some guests brought extra Scrabble® games in case we ran short of games. Everyone had a great time.
Even in these tough economic times, we have found ways to still enjoy ourselves without ruining our budget.
Are you a Kentucky resident who hasn’t visited Mammoth Cave? Have you missed Mackinac Island although you live in Michigan? Wisconsin residents have the Wisconsin Dells for family fun, South Dakota residents can visit Mt. Rushmore and Las Vegas residents have the Grand Canyon.
Some Florida residents haven’t visited Disney World. New Yorkers and Ontario, Canada residents have Niagara Falls for beautiful site seeing. Why not go to one of the sports stadiums for a fun day cheering your local team. Or visit the art museum or zoo. Call the visitors bureau in your city or state for information on places to visit close to home. Don’t forget to ask for senior rates, group rates and discounts for families.
If you prefer to actually stay at home, you can still enjoy yourself with a little planning. Why not have a themed potluck for your family and or friends. Games such as Bridge, Monopoly®, Cribbage®, checkers, chess and other board games are fun and good for your brain. You could also have a volleyball or baseball picnic at the park.
Last year, we had a Scrabble® potluck party at our house. Some of our friends had not played the game in years and weren’t sure about playing with regular Scrabble® players. We accommodated them by having dictionaries and two-letter word lists available for everyone to use. We also partnered each beginner with a more advanced player if they desired. We also didn’t bother with challenges where the person would lose a turn. We just helped them make better words for good scores.
Everyone brought a dish, homemade or store bought, to serve. And some guests brought extra Scrabble® games in case we ran short of games. Everyone had a great time.
Even in these tough economic times, we have found ways to still enjoy ourselves without ruining our budget.
Monday, July 28, 2008
Bundle Your Errands
As a retiree, you are free to come and go as you please. However, with gas prices soaring daily, this could cost you more than you realize. Try bundling your errands to save gas and time. In a small spiral notebook, jot down your errands then pick a convenient day to complete as many of those tasks as you can.
For example, one day last week I gassed up my car, went to the bank, then to the cleaners, purchased a birthday present at a gift shop, went to the post office and finally shopped for groceries. Saving gas money on several different trips and freeing up other days to have fun was my goal.
I also cooked three big meals that same day to leave me even more time for fun and games. Making several meals at once usually means baking chicken and making soup to freeze in small portions. (Those are my "I’m-not-cooking-today" heat and serve meals.)
But I also prepared tacos to eat that same day. Sometimes the same day meal will be fresh salmon, spaghetti or pork chops.
As much as I love to cook, I don’t intend to spend my retirement in the kitchen. Today is my day to walk a mile then relax at home with a new book.
For example, one day last week I gassed up my car, went to the bank, then to the cleaners, purchased a birthday present at a gift shop, went to the post office and finally shopped for groceries. Saving gas money on several different trips and freeing up other days to have fun was my goal.
I also cooked three big meals that same day to leave me even more time for fun and games. Making several meals at once usually means baking chicken and making soup to freeze in small portions. (Those are my "I’m-not-cooking-today" heat and serve meals.)
But I also prepared tacos to eat that same day. Sometimes the same day meal will be fresh salmon, spaghetti or pork chops.
As much as I love to cook, I don’t intend to spend my retirement in the kitchen. Today is my day to walk a mile then relax at home with a new book.
Sunday, July 27, 2008
The Bucket List
Years ago I hoped to travel to all 50 states and collected a magnet in the shape of each state I visited to complete my Magnetic Collectables, LTD map. When my fiancé, now my husband, saw my map, he said we have to complete the map. I quickly revised my wish list. “Only the states we visited together would be represented on the map.” During the recent fall foliage season, we traveled by car to the New England states (Vermont, New Hampshire, Maine, Rhode Island, Massachusetts, and Connecticut) as well as New York. Now we have only 19 states to go.
We recently saw a great movie, “The Bucket List,” with Jack Nicholson and Morgan Freeman. A bucket list is a list of all the things a person wants to do “before you kick the bucket.” Completing the U. S. map was part of our informal bucket list which keeps growing with other things we want to do, to see, to learn.
How many times in your life have you said, “I’ll do that when I have the time”? Now is the time. Don’t put off the things you wish to do. Yesterday I wrote, “You are limited only by your imagination and your attitude.” Someone reminded me that you are also limited by your finances. Taking that into consideration shouldn’t stop you from doing things you enjoy.
Make a bucket list with suggestions on how you will successfully complete each item. Can you travel with a group which may be less expensive? (For suggestions on where to travel, read 1,000 Places To See Before You Die: A Traveler’s Life List by Patricia Schultz.) Find out about group tours, senior discounts and other budgeting plans.
Are there books you haven’t had time to read or movies you missed? Try the library or a used book store.
Do you want to learn to play an instrument? Rent an instrument and find a teacher willing to work with adults. Do you wish to finally learn to swim, speak another language, research your genealogy or surf the internet? Check out recreation centers, YMCAs or YWCAs, or local colleges for classes.
Make your bucket list now and start enjoying your retirement.
We recently saw a great movie, “The Bucket List,” with Jack Nicholson and Morgan Freeman. A bucket list is a list of all the things a person wants to do “before you kick the bucket.” Completing the U. S. map was part of our informal bucket list which keeps growing with other things we want to do, to see, to learn.
How many times in your life have you said, “I’ll do that when I have the time”? Now is the time. Don’t put off the things you wish to do. Yesterday I wrote, “You are limited only by your imagination and your attitude.” Someone reminded me that you are also limited by your finances. Taking that into consideration shouldn’t stop you from doing things you enjoy.
Make a bucket list with suggestions on how you will successfully complete each item. Can you travel with a group which may be less expensive? (For suggestions on where to travel, read 1,000 Places To See Before You Die: A Traveler’s Life List by Patricia Schultz.) Find out about group tours, senior discounts and other budgeting plans.
Are there books you haven’t had time to read or movies you missed? Try the library or a used book store.
Do you want to learn to play an instrument? Rent an instrument and find a teacher willing to work with adults. Do you wish to finally learn to swim, speak another language, research your genealogy or surf the internet? Check out recreation centers, YMCAs or YWCAs, or local colleges for classes.
Make your bucket list now and start enjoying your retirement.
Saturday, July 26, 2008
Learn Something New
Happy Birthday to me. My celebration will begin with breakfast at one of our favorite restaurants where my husband and I get the senior discount and are treated courteously. We’ll follow that with nine holes of golf, lunch and a movie.
Playing golf is very new for me. I grew up playing baseball, basketball and volleyball in school. I even tried tennis as an adult but never developed the skills to do much with that game. Golf was never, I repeat never, on the list of things I wanted to even consider trying. Even watching it on TV held my interest for about five minutes.
But my husband is an avid golfer and asked me many times over the seventeen years of our marriage to try my hand at the sport. He retired last year and I knew if I wanted to see him on a regular basis, I’d better try golfing. He would golf everyday if he could.
I took six private lessons at the local public golf course last year just before he retired. I learned that I don’t have to be good to enjoy the game. It is absolutely hilarious watching me swing at that tiny ball and miss. Sometimes I even play a few good holes of golf. But always I enjoy myself. I can no longer play other sports because of some health issues, but I can still play golf. The best thing about the sport is that I can play even if I’m 100 years old.
So golf is not your thing. Challenge yourself to try something new. Crafting, country line dancing, ballroom dancing, yoga, hiking, camping, photography, writing your memoirs even if just for your children, gardening, or volunteering for a charity or at a nursing home are some things that come to mind. Also try doing crossword puzzles, Sudoku, and/or Scrabble® to keep your mind active.
Don’t sit at home doing nothing just because you are no longer employed. You are limited only by your imagination and your attitude.
Playing golf is very new for me. I grew up playing baseball, basketball and volleyball in school. I even tried tennis as an adult but never developed the skills to do much with that game. Golf was never, I repeat never, on the list of things I wanted to even consider trying. Even watching it on TV held my interest for about five minutes.
But my husband is an avid golfer and asked me many times over the seventeen years of our marriage to try my hand at the sport. He retired last year and I knew if I wanted to see him on a regular basis, I’d better try golfing. He would golf everyday if he could.
I took six private lessons at the local public golf course last year just before he retired. I learned that I don’t have to be good to enjoy the game. It is absolutely hilarious watching me swing at that tiny ball and miss. Sometimes I even play a few good holes of golf. But always I enjoy myself. I can no longer play other sports because of some health issues, but I can still play golf. The best thing about the sport is that I can play even if I’m 100 years old.
So golf is not your thing. Challenge yourself to try something new. Crafting, country line dancing, ballroom dancing, yoga, hiking, camping, photography, writing your memoirs even if just for your children, gardening, or volunteering for a charity or at a nursing home are some things that come to mind. Also try doing crossword puzzles, Sudoku, and/or Scrabble® to keep your mind active.
Don’t sit at home doing nothing just because you are no longer employed. You are limited only by your imagination and your attitude.
Friday, July 25, 2008
Senior Discounts
For most retirees, there is a significant financial change. My retirement income is much less than my working income; however, my expenses decreased also. My auto insurance premiums are lower because I no longer use my car to get to work. Some insurance companies also offer a senior discount. (Be sure to check your auto insurance policy for these possibilities.) I spend less money on gasoline, automobile maintenance, and work clothes.
I quickly learned to put my pride in my pocket and ask for senior discounts wherever I spend money. Try asking for a discount; it can’t hurt. I live a mile from a gift shop that offers senior discounts on all purchases. I am now a regular customer there.
Department stores, restaurants, movie theaters, museums, colleges and other establishments may offer discounts for seniors but you often have to ask for it. Be prepared to show your ID card. I laughed when I told my daughter that I was “carded” at a local restaurant.
Find out at what age discounts are offered and under what circumstances. Discounts may be offered for people starting at 50 to 70 years of age. Some establishments offer discounts on particular days of the week and/or specific hours of the day. I keep a list of those establishments. For example, the cleaners near my mother offers a senior discount. Between the senior discounts and the use of coupons, I spend considerably less than I did before my retirement.
In future blogs, I will share some of the fun activities I have discovered. Believe me, you can enjoy a great life during retirement. Whether you were forced to take a buy-out or wanted to retire, make the best of retirement both financially and socially.
I quickly learned to put my pride in my pocket and ask for senior discounts wherever I spend money. Try asking for a discount; it can’t hurt. I live a mile from a gift shop that offers senior discounts on all purchases. I am now a regular customer there.
Department stores, restaurants, movie theaters, museums, colleges and other establishments may offer discounts for seniors but you often have to ask for it. Be prepared to show your ID card. I laughed when I told my daughter that I was “carded” at a local restaurant.
Find out at what age discounts are offered and under what circumstances. Discounts may be offered for people starting at 50 to 70 years of age. Some establishments offer discounts on particular days of the week and/or specific hours of the day. I keep a list of those establishments. For example, the cleaners near my mother offers a senior discount. Between the senior discounts and the use of coupons, I spend considerably less than I did before my retirement.
In future blogs, I will share some of the fun activities I have discovered. Believe me, you can enjoy a great life during retirement. Whether you were forced to take a buy-out or wanted to retire, make the best of retirement both financially and socially.
Thursday, July 24, 2008
Retired? Now what?
Life after retirement has been a wonderful experience in which I’ve learned to become a better, more adventurous person. No, I’m not into bungee jumping, but I have tried doing things I never had time for before. Life is good, not perfect, but good. I’ll share some of the things I’ve learned.
A few years ago I retired without a concrete plan for my free time. Health wise, I knew it was time for me to leave my rewarding job as a teacher and begin the next phase of my life. I looked forward to sleeping late, reading, writing short stories, relaxing, taking trips and not having any major responsibilities.
The reality of unemployment didn’t hit me during the first months of retirement because I rarely taught summer school and that summer was packed with many activities. I participated in a large charity fund-raiser, met our newborn grandson out-of-state, attended my daughter’s bridal shower and wedding (both out-of-state), and attended the unexpected funeral of my mother-in-law several states from my home. That was a very sad trip.
Fall found me missing my students more than I expected. I always felt grounded because I had a purpose in life as a teacher. Of course, it didn’t help that my husband was still teaching and telling me about the successes and failures of his students.
Taking Life Long Learning classes, including creative writing, at the local college was the beginning of me discovering who I am without my teaching career. But by Thanksgiving I had serious family responsibilities. My sister and I alternated staying with our parents through their various illnesses. My father died the following spring but not before I wrote an essay about his mother, my beloved grandmother. The essay, “My Grandmother, Little Mama,” was published in On the Shores of Detroit: History through Prose and Poetry published in 2002 by Odyssey Books/The Detroit Writer’s Guild.
Writing became an important part of my retirement activities. In future blogs, I will share some of the things I’ve learned about making the most of retirement.
A few years ago I retired without a concrete plan for my free time. Health wise, I knew it was time for me to leave my rewarding job as a teacher and begin the next phase of my life. I looked forward to sleeping late, reading, writing short stories, relaxing, taking trips and not having any major responsibilities.
The reality of unemployment didn’t hit me during the first months of retirement because I rarely taught summer school and that summer was packed with many activities. I participated in a large charity fund-raiser, met our newborn grandson out-of-state, attended my daughter’s bridal shower and wedding (both out-of-state), and attended the unexpected funeral of my mother-in-law several states from my home. That was a very sad trip.
Fall found me missing my students more than I expected. I always felt grounded because I had a purpose in life as a teacher. Of course, it didn’t help that my husband was still teaching and telling me about the successes and failures of his students.
Taking Life Long Learning classes, including creative writing, at the local college was the beginning of me discovering who I am without my teaching career. But by Thanksgiving I had serious family responsibilities. My sister and I alternated staying with our parents through their various illnesses. My father died the following spring but not before I wrote an essay about his mother, my beloved grandmother. The essay, “My Grandmother, Little Mama,” was published in On the Shores of Detroit: History through Prose and Poetry published in 2002 by Odyssey Books/The Detroit Writer’s Guild.
Writing became an important part of my retirement activities. In future blogs, I will share some of the things I’ve learned about making the most of retirement.
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