Kapiti Observer : May 26th 2011
40 THURSDAY, MAY 26, 2011 For Sale $675,000 View By Appointment & Sunday 12.00-12.45pm rwotaki.co.nz/OTK20151 nz.open2view.com/O238814 Jordan Bates 0272 511 955 (06) 364 5602 firstname.lastname@example.org Otaki Office 06 364 5602 New Century Real Estate Ltd LICENSED (REAA 2008) Open Home SUPERB LIFESTYLE! Superbly elevated and positioned to capture sun & boasting views of the country side & nearby Tasman Sea. The best of town & country living located within 5 minutes of reputable cafes' and restaurants, either 10 minutes South to Waikanae or North to retail outlet capital Otaki & an easy commute to Wellington or Palmerston North. A large 228m2 house area makes up, large bedrooms, 3 living spaces including dining & kitchen, family room & lounge. The sizable garage, established landscape, heating options, butlers walk-in pantry and wide formal entrance are also features, including the quality chattels, fixtures and fittings. All this on a spacious 2.32 acres. Te Horo 52 Harakeke Road 22 4 1 Help raise money for our Hydro-Slides MUFTI H DAY - Fri. 10 June Primary & Secondary Schools Raising money for their Hydro-slides Dress up! Anything star ng with h Hat, hoodie, hippie, hurricanes, horse Gold coin dona on 3745233AA Head1 Retirement not just about money Make time: Author Mandy Fealy with Paper Plus owner Rob Clarke at her visit to Paraparaumu yesterday. By SIMON EDWARDS Plan for lifestyle too For years we've been hammered with the message if we want a comfortable retirement, we'll have to save for it. A new book puts the case that preparing for a truly golden retire- ment is about more than money. In My Time: How to make the rest of life the best of life, Mandy Fealy and Joan Baker say we shouldn't just stumble into our twilight years with a superannu- ation scheme and vague ideas about more travel and gardening. We should have a clear idea about -- and have discussed with our loved ones -- plans for keeping busy, our health, where we'll live and what we'd do if our partner died. Speaking from Christchurch, where the earthquakes have underlined why planning for unforeseen circumstances can be useful, Fealy says the book encourages people to imagine they are 80 and to ask themselves, what would you wish you had done with your life?''. Even for those at the point of retirement now, it's not too late to put in place some steps that would mean that when they reach 80, they're able to say I did what I wanted to do''. Fealy, an organisation develop- ment psychologist, and Baker, who has written or co-written eight other books on topics such as finance and business success, have for 13 years been offering various courses and coaching on career management. Fealy, 54, says as we were get- ting older, so were our clients''. A lot of them were starting to talk about retirement -- perhaps because they felt they'd earned it after working so hard, they were at that age, or maybe even because [their] organisation seemed to expect it.'' She and Baker felt some of them weren't facing the realities of what it would be like''. But rather than organise a course, they saw a niche for a book, particularly as most of the other guides they could find were written for an American audience, and were preoccupied with savings schemes and investments. A survey of 20 people, which guided formulation of a question- naire they distributed much more widely, drew answers that con- firmed most people were well aware of the need to put money aside, but far fewer had done any sort of planning for other aspects of their senior years. Asked what they feared the most about life post-retirement, the two most common answers were being a burden'' and being lonely''. For a start, think twice about stopping work altogether, the book advises. People who come to a sudden stop in their career are prime candidates for a full stop to their life too, as they can feel they've lost purpose and just fade away. Fealy says research, including a major report by the British Psychological Society in 2009, has shown the two most dangerous times in our lives are when we're born and when we stop work. It can be far more satisfying -- and beneficial to our health -- to go part-time, to slow down, to have portfolios of different things to do''. Having a meaning and a pur- pose is absolutely key to keeping alive.'' While there are different schools of thought on what is the best stage to clue in an employer on plans to retire or step back. Some say if you give them warn- ing too early you're stepping down or moving, they'll think you're not loyal.'' There is increasing recognition that older workers can play a vital role in business. Not only can they fill looming workforce gaps, older workers keep the history in the organis- ation . . . they know the business has tried this or that before, got the video and the T-shirt''. They can be mentors to younger staff and help with apprentices, Fealy says. There's wisdom they can give back.'' But to continue to be valued, people need to stay in touch with changes and technology, Fealy says. Rather than resist Twitter and blogs and other new-fangled'' things as a waste of time, it's bet- ter to recognise they're a way of the future. They're not just for staying in touch with loved ones during retirement, but also in business. The book also advocates having frank, realistic -- and early -- dis- cussions with your partner and family. It can be a bitter blow to come home from the retirement party and find your husband or wife has a completely different idea of what's next. Fealy remembers getting one couple to talk about their plans. The husband said he'd like to buy some copies of National Geo- graphic and head out around the world to look at what's under- neath the rocks''. His wife's face was a picture. Clearly it wasn't what she had in mind.'' A hip replacement or serious injury could totally derail plans for a retirement playing golf or wandering around Tuscany. We've got to plan for these contingencies. It may feel like it, but a stroke doesn't happen overnight. There's probably a lifetime of bad living behind it.'' These days it's quite realistic for people to be retired for about as long as they've been in paid work. You're going to need your body a lot longer, so you've got to do the [disease and injury] prevention work -- eat right, don't drink too much, don't over or under-sleep.'' The book could be described as a primer on a whole lot of different topics to take into account before retirement. Gone are the days when retire- ment meant slowing down and losing your skills and status. Instead, it can be a change of direction, simply a chance to have more my time'.''
May 23rd 2011
May 30th 2011