Yes to Life

As the years go by, many of us are noticing a quiet, sobering truth: more and more of our friends are passing away. It’s a fact of life that I, and so many of you, are slowly getting used to. Yet, within this undeniable reality lies a profound and powerful secret. The very fact that we are mortal, that our time here is finite, our possibilities limited, our days numbered, is precisely what gives our lives meaning. It is the background against which our existence becomes a responsibility. It compels us to act, to seize a possibility and make it real, to occupy our time with purpose and passion. Death is not an end to fear, but a call to live fully.

Everything depends on the individual human being, no matter how small our circle of like-minded friends may seem. It rests on each of us to creatively make the meaning of life real through action, not just words, in our own being. We are not here to simply sit back and let things happen. We are here to question, to learn, and to make ourselves useful, to our families, our friends, and our community. Life is for champions, heroes, and lovers. And we are here because we prevailed. We won an ancient race over fear, doubt, and uncertainty, and we did so in realms long forgotten. We saw clearly. We remained strong in spirit, deep in character, and quick to fall in love. Because of these extraordinary qualities, anything we can now imagine, we have already earned the right to pursue.

It is easy to think that the little things we experience alone, the arrival of spring, the flutter of a sparrow, the delicate dance of a dragonfly, are just random moments. But they are not by chance. They are gifts, whispers from the world inviting us to pay attention. The song of a bird, the beauty of a lily, the warmth of a shared laugh, these are the textures of a life fully lived. They remind us that we are still here, still capable of wonder, still able to connect.

As we age, we may find ourselves haunted by questions. It is not only the young who wonder; we do too. Questions like, “What can I expect from life?” or “What does life still expect from me?” or “What task is still waiting for me?” may linger in our minds. But here is a shift in perspective: perhaps we have been asking the question the wrong way. The true question of meaning is not one we ask of life; it is life that asks the questions of us. Every day, life directs its inquiries toward us through the people we meet, the challenges we face, and the opportunities we encounter. Living itself means nothing other than being questioned. Our whole act of being is a response, a way of being responsible toward life.

With this mindset, nothing can truly scare us anymore, not the future, and not even the apparent lack of one. Because now, the present becomes everything. It holds the eternally new question of life for us, waiting to be answered. Each morning brings a fresh opportunity to respond with courage, curiosity, and care.

So, what does this mean for us today? It means we are not done. We are not finished. There is still work to do, still love to give, still wisdom to share. Whether it is volunteering for a local program, mentoring a younger person, joining a  seminar program like our Tuesday Talk, or simply being a listening ear for a neighbor, we have a role to play. We are contributors, not spectators. We are builders of community, keepers of stories, and champions of connection.

At our upcoming events, we are creating spaces for exactly this kind of engagement. Play Bingo and share a laugh with old friends and new. Join a bus excursion and rediscover the joy of adventure. Attend a seminar and let your curiosity lead the way. Bring your ideas, your questions, and your energy. Let us show one another, and ourselves, that aging is not about stepping back, but about stepping forward with purpose.

Life is asking something of you. The only question is: how will you answer?

Seniors and Technology: Dispelling the Myth

 Several years ago, I delivered a workshop on Technology and Seniors to a group of older adults in North Vancouver. In the audience were Grade 6 and 7 students participating in an intergenerational project.

I began with a simple statement: Seniors can learn just as effectively as young people.

It may take us longer, but we can learn, and we do.

I noticed a few surprised expressions from the students. That reaction is exactly why this conversation still matters.

The collective body of research continues to show that creativity, neuroplasticity, and learning have lifelong potential. Studies have demonstrated that older adults who engage in productive learning, especially learning new, challenging skills, show improvements in memory and cognitive function compared to those who engage only in passive or non-demanding activities.

Learning does not stop at 65.The myth that seniors do not use technology simply does not match reality.

As of recent Canadian and North American data:

• Roughly 80–85% of adults aged 65–74 use the internet
• Adoption continues to grow in the 75+ age group
• Smartphones and tablets are now the primary access points

Older adults use:

• Desktop computers
• Laptops
• Smartphones
• Touchscreen tablets (such as iPads)

Touchscreen tablets remain especially popular because they are intuitive, portable, and relatively affordable. With a tap or swipe, users can:

• Browse the web
• Video chat with family
• Send emails
• Manage photos
• Access banking
• Attend virtual events
• Take courses
• Play cognitive games

Technology has become more user-friendly, and seniors have become more tech-confident.

Health information continues to be one of the most commonly researched topics among older adults online.

However, not all online information is reliable.

I always remind people:

• Be cautious about what you read on social media.
• Be critical of miracle cures or sensational headlines.
• Check credible sources.
• Always consult a healthcare professional before making health decisions, including beginning new physical activity programs.

Digital literacy is not just about using devices — it is about evaluating information wisely.

One of the greatest opportunities technologies provides is access to lifelong learning. Here are updated platforms that are active and widely used today:

Khan Academy

A nonprofit organization offering free courses in math, science, computing, history, economics, and more. While often associated with school-age learners, many adults use Khan Academy to refresh skills or learn something new.

Cost: Free

Coursera

Partners with universities and organizations worldwide to offer online courses. Many courses can be audited for free, with optional paid certificates available.

Subjects range from psychology to artificial intelligence to art history.

Cost: Free to audit; fees for certificates.

Stanford University (Online Learning)

Stanford now offers online learning through Stanford Online and Continuing Studies. Courses are available in a wide range of subjects.

(Some older references to iTunes U are no longer current, as Apple discontinued iTunes U in 2021.)

YouTube

YouTube has evolved into one of the world’s largest informal learning platforms.

You can find:

• University lectures
• Language lessons
• Technology tutorials
• “How-to” videos (everything from hanging a picture to using Zoom)

Many universities and experts maintain educational channels.

Cost: Free (ad-supported)

Senior Planet

A nonprofit organization offering free technology training for older adults, including live online classes on digital skills, financial security, creative arts, and wellness.

Senior Planet has become one of the leading organizations dedicated specifically to older adult digital literacy.

Cost: Free

OpenLearn

Operated by The Open University (UK), OpenLearn offers free access to a wide range of short courses and learning materials at introductory and intermediate levels.

Cost: Free

(Note: The former Open Education Consortium is now known as Open Education Global, which continues to support open educational resources worldwide.)

Digital Learning: Mind and Brain Games

Many seniors enjoy brain-training apps. While research shows mixed results regarding long-term cognitive improvement, these programs can be enjoyable and mentally stimulating.

Elevate

Offers 40+ games focused on:

• Vocabulary
• Reading
• Writing
• Math
• Processing speed

Available on iOS and Android. Free with optional premium subscription.

Mind Games

Provides a variety of browser-based brain exercises targeting attention, flexibility, and arithmetic skills.

Free basic access; optional paid features.

Dakim BrainFitness

Designed particularly for older adults. Often used in senior living communities. Subscription-based.

PThis reflects an important truth about technology:
Platforms evolve. Some disappear. New ones emerge. Seniors adapt — just like everyone else.

Seniors are:

• Taking online university courses
• Video chatting with grandchildren
• Managing investments online
• Streaming movies
• Writing blogs
• Using health portals
• Learning languages
• Joining virtual fitness classes

The issue is not ability.
The issue is access, support, and opportunity.

Given time, encouragement, and practical instruction, older adults learn effectively and confidently.

Technology is not a “young person’s world.
It is a human world.

And we are fully capable of participating in it, at any age.

 

The retirement question most people ask backwards

 There is one question I hear all the time, and every time I hear it, it makes me slightly shudder. Not because it is a bad question, but because the people asking it are usually looking for the wrong kind of answer.

The question is: "How much money is enough to retire?"

It sounds reasonable. It sounds responsible. But most people don’t realize that the answer they’re hoping for, a single, magic number, isn’t actually very helpful. It creates anxiety. It invites guesswork. And it treats your retirement savings like a finish line, rather than what they really are: an engine.

A better question is this: What does your retirement income look like in layers, and which of those layers do you need to fund from your own savings?

I think we all intuitively understand the idea of layers. Your retirement income isn’t one big pile of money; it is a stack of building blocks. Let’s look at them from the ground up:

• Layer 1: Government Programs. This includes the Canada Pension Plan (CPP) and Old Age Security (OAS). These are your foundation, income that arrives whether you save a dime or not.
• Layer 2: Workplace Pensions. For some, this includes company-sponsored pension plans (defined benefit or defined contribution).
• Layer 3: Registered Savings. This layer includes your Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs).
• Layer 4: Personal Savings & Assets. This is the money you have saved outside of registered accounts, plus assets like a paid-off home that could be downsized to free up funds.

When you see retirement this way, the question shifts. You stop asking, "How big does my single pile of savings need to be?", blindly hoping you’ll like the answer, and instead you ask, "How much income do I need each year, and which layers are going to provide it?"

Most of us will have a mix of income sources in retirement. The common mistake is looking at each layer in isolation, rather than seeing how they stack together to form your total retirement income.

Let’s look at how the math works for a typical Canadian.

The Government Foundation (Layers 1 & 2)
For most retirees, the first layer, CPP and OAS, will provide a base of income. Here is the current breakdown:

• Canada Pension Plan (CPP): The CPP is designed to replace about 25% of your average lifetime earnings, up to a maximum limit. It is based on what you contributed during your working years, not your final salary.
• Old Age Security (OAS): OAS is a monthly payment available to most Canadians 65 and older, regardless of work history (though it is subject to a claw back at higher income levels).

When you combine these two government programs, they typically replace between 30% and 40% of your pre-retirement income for the average earner.

Financial experts often suggest that to maintain a similar lifestyle in retirement, you should aim to replace about 70% of your working income. Some years you might need more; some years less. But 70% is a solid target.

If the government layers are providing 30–40%, that leaves a gap of roughly 30–40% of your working income that needs to come from your own savings, workplace pensions, or other assets.

That gap is where the magic happens.

This is where the concept of growth becomes critical, and why reviewing your savings early matters so much.

Money you save doesn't just sit there. It grows. Through the power of compound growth, your savings earn returns, and those returns earn returns of their own. Over time, this effect turns small, regular contributions into substantial income streams.

Consider this: If you have $100,000 saved at age 55 and you leave it invested earning a modest average annual return of 5%, by the time you turn 65, that money could grow to nearly $163,000, without you adding another penny. That is the magic of compounding.

But compounding needs time to work. The sooner you review your savings; the more time you give your money to multiply. Waiting until the year you retire means you lose those precious years of growth.

For many people approaching retirement, there is another layer worth considering: part-time work. I worked part-time for the first 15 years of my retirement, and then I stopped.

Work does not need to be full-time, and not forever. But even a small amount of income in the early years of retirement can make a massive difference to your long-term security. I  worked part-time for fifteen years and earned a lot of money. This was money I did not to withdraw from my savings. My investments stay intact. They kept compounding. They kept growing.

By the time I stopped working entirely, that money had several extra years (15) to grow, giving me a larger cushion for the years when you need it most. I worked for a number of reasons, one of which is I did not start saving for retirement until I was 50 years old.

So, let's bring it all together. The question you should be asking isn't, "How much do I need to save?"

It's this: "How much income will I have from CPP, OAS, and any workplace pensions, and how much of the gap do I need my savings to fill?"

Once you know that gap, you can look at your savings and ask the next logical question: "Based on what I have saved today, and assuming it continues to grow over the next 5, 10, or 20 years, how much income will it generate?"

That is a question you can answer. That is a plan you can build.

If you are approaching retirement, I urge you: do not wait to have this conversation with yourself.

It is easy to avoid the numbers because they feel overwhelming. It is easy to tell yourself you will look at it next year. But every year you wait is a year of compound growth you leave on the table.

You don't need to have all the answers today. You just need to start asking the right questions. Look at your layers. Understand your gap. And give your savings the time they need to grow into the retirement income you deserve.

The chaos around us may be loud, but your financial future doesn't have to be chaotic. It just needs a plan. And the best time to start that plan was twenty years ago. The second-best time is today.

The Ministry of Minutes: How Ordinary People Steady the World

I was reading a post by Todd Mafifin https://todmaffin.com/ (The world between minutes) and as I have been thinking about time, it lead me to these ideas.

A few months ago, I sat down with a small group of dedicated Board members to apply for a grant. It was the kind of administrative task that doesn’t feel particularly glamorous, endless forms, budget projections, and carefully worded mission statements. We did it because that is what you do when you care about something. You put in the work, you cross your fingers, and then you wait.

A few days ago, the news arrived: we received the grant.

In the grand scheme of a world that feels like it’s spinning off its axis, a single grant for a local seniors’ organization might seem like a small thing. But here is the truth I am holding onto right now: it is not a small thing. It is everything. This funding will allow us to host seminars, run programs, and bring connection to hundreds of seniors in Port Coquitlam. It means that for a few hundred people, the week will look a little brighter, the isolation will lift just a little, and the message will be clear: You are seen. You matter.

We are living through a tonne of bad news. It arrives in our pockets constantly, delivered in neat little rectangles of light. The notifications stack up, political turmoil, environmental dread, economic uncertainty, human suffering. It is easy to feel like the world is unravelling, and it is even easier to feel powerless to stop it. The chaos is loud, relentless, and it demands our attention.

But here is what I have noticed lately. The good news doesn’t arrive in a push notification. It shows up in smaller, quieter doses. It doesn’t shout; it simply persists.

Teachers still show up. They stand in front of classrooms, day after day, shaping young minds and offering stability in a world that offers very little of it. Volunteers still show up. They ladle soup in community kitchens, sort donations at food banks, and sit with the elderly. Nurses and First Responders still take their shifts. They walk into the emergency room, the long-term care facility, the ambulance, and they do their jobs with steady hands and tired eyes. They don’t fix the whole world, but they steady the minute in front of them.

And that, I believe, is the secret we have forgotten.

We do not control the chaos. The news cycle will spin whether we watch it or not. The world will continue to throw curveballs. We cannot stop the storm, but we can decide how we hold the umbrella. We can decide what the next minute looks like. We can choose to make that minute kind. We can choose to make it productive. We can choose to make it about someone other than ourselves.

By taking control of the minutes, we take control of the hours. And by taking control of the hours, we take control of the day. And by taking control of the day, we take control of how we approach our lives.

I was talking to a senior the other day, one of the wonderful humans we have the privilege of serving. He told me that he is now the longest-living member of his entire family. He has outlived his parents, his siblings, and even some of his friends. I expected to hear sadness in his voice, perhaps the weight of so many goodbyes. Instead, I heard something else entirely.

He said, "I take every day as a blessing. I wake up, and I am just happy to be in the moment."

Here is a man who has seen more chaos than most of us can imagine. He has lived through wars, economic crashes, personal losses, and the relentless march of time itself. And yet, his secret to longevity wasn't a diet or an exercise routine. It was gratitude. It was the choice to see each new sunrise as a small miracle.

That conversation stopped me in my tracks. Because if he can find joy in the moment, despite everything, then what is our excuse?

The truth is, we are surrounded by small miracles. We just don’t call them that anymore. We call them "ordinary." We call them "routine." We forget that the reason the world hasn't completely fallen apart is that millions of ordinary people are quietly choosing to hold it together.

The teacher who stays late to help a struggling student. The neighbour who shovels the walkway of the elderly couple next door. The friend who sends a text just to say, "I was thinking of you." The Board member who donates their time to write a grant application. The senior who wakes up and decides to be happy.

These are the acts that form the invisible architecture of a functioning society. They don’t make the news. They don’t trend on social media. But they are the reason any of us make it through.

So, if you are struggling with the chaos around us, and let’s be honest, who isn’t? I invite you to try something. Put down the phone for a minute. Stop doomscrolling. Stop trying to solve the problems of the entire world all at once. You can’t. None of us can.

Instead, look at the minute in front of you. What can you do right now? Can you make a cup of tea and breathe? Can you send a kind word to someone? Can you show up for a shift, for a friend, for yourself?

The grant we received is not going to change the world. But it is going to change the world for a few hundred seniors. It is going to give them a reason to get out of the house, a reason to connect, a reason to smile. And that is enough. That is more than enough.

We are living through a tonne of bad news. But we are also living through a tonne of quiet, persistent goodness. It is happening in the margins, in the moments no one records, in the hearts of people who simply refuse to give up.

Be one of those people. Steady the minute in front of you. Build what the next minute looks like. And remember, each one is a small miracle.