Saturday, June 5, 2021

Grave Concerns 1

 This idea was from the BillonGraves Blog of April 5, 2021. 

Have you ever worn black to a funeral? Did you travel from a funeral home to the cemetery in an unbroken procession of cars? Have you ever sent flowers to the family of the deceased?

Why did you do those things? Tradition? Where did those traditions come from? Many of them came from century-old cemetery superstitions.

The graves should be the right way around.

One of the biggest beliefs concerns the orientation of the graves themselves. After all, most graves lie east to west. The body should have its head to the west and its feet to the east. That way the body faces the rising sun, and the Final Judgment in the east. Burying people with their feet facing the sun pre-dates Christianity, and old churchyards preserve this custom.

This tradition seems to disappear with the massive 19th-century urban cemeteries. They “were planned on picturesque, utilitarian and socially stratified lines” and tradition counted for little.

Headstones

A common belief across Christianity, Judaism, and Islam is that at the end of days the dead will rise for judgment and enter the next life. Europeans in the 1500s believed this to be true but were afraid the dead may rise too early. To alleviate their fears, they placed large headstones above where the deceased’s head was resting to keep the body from roaming the earth ahead of schedule. In some English cemeteries, the headstones were placed at the feet of the deceased to prevent them from getting up and walking away.

Earlier generations of Anglo-Saxons were also concerned about the potential of the deceased coming back to life to roam the earth. Some say they used to cut off the feet of their deceased to prevent this.

Wearing Black

The custom of wearing black at funerals is an ancient one, but it became more popular during the Victorian era. Black was believed to make the living less visible to the spirits that came to accompany the deceased into the afterlife.

After all, they didn’t want the spirits to make any mistakes and take them along too!

If a family could not afford black clothing, it was acceptable to wear a black armband. Widows were expected to wear black for two years after their spouses died. But during the last six months of this period, they could add some trim in grey, white, or lavender.

For women who were mourning the loss of a parent or a child, it was appropriate to wear black for one year. The typical period to wear mourning garb for the passing of a grandparent, sibling, or close friend was six months. If an aunt, uncle, niece, or nephew died, they were expected to wear black for just three months.

They must have had quite a dark wardrobe!

Stop the Clock

When someone died, clocks were stopped at the moment of death. For practical reasons, this would allow for an accurate doctor’s report and death certificate.

But it was also said to be out of respect for the dead. Time had stopped for their mortal life and so their spirit must not be rushed into leaving too quickly by allowing them to notice the passage of time.

When the family’s mourning period had ended, they started their clocks again – symbolic of it being time to move on to another period of their life.

Draw the Drapes

For our ancestors, visitations and funerals were often held in the home of the deceased. The body was laid out in the front parlour.

As soon as someone died, it was customary to quickly close the parlour drapes. This was believed to be a way to keep the deceased’s spirit from leaving too quickly.

Even today, funeral home visitations are usually held in a room called the “funeral parlour”. It is made to look like a household living room and often has closed draperies somewhere in the room.

In some parts of the United Kingdom, everyone on their street closed their draperies when someone in the neighbourhood passed away. Children were taught to be quiet near these homes or play someplace else.

A Kiss Good-bye

Today, it is common to stand in line at a “viewing” for a chance to speak a few words to the family and then to walk past the coffin. When there is an open casket, many people reach out to touch the deceased one last time.

This was even more common in previous generations, where it was customary not only to touch the hand or heart of the deceased but to give them a kiss.

It was thought that the bestowal of a kiss would keep the living person from dreaming about the departed one.

Moving around a cemetery has its own problems.

It was also considered bad luck to be the first mourner to leave the cemetery. Apparently, it could even invite death. A related superstition claimed that if a woman left the cemetery first, a woman would be the next to die. If a man left first, a man would die next. Naturally, people needed to leave the cemetery eventually, so perhaps families took servants along to leave the cemetery before the mourners did.

Hold your breath when passing a cemetery.

I’ve long remembered that you should hold your breath while passing a cemetery unless you want to inhale the spirit of the recently departed. Alternatively, you can tuck your thumbs into your fists if you pass a cemetery, to protect your parents.

Do not walk on a grave.

The most famous of the cemetery superstitions is that it’s considered bad luck to step over a grave. I know I always apologize if I need to step over a grave, and I have no idea why I do that. I’ve also heard it said that he who walks over a grave will soon die.

That said, many cemeteries used the areas that are now under footpaths as the site of their unmarked graves for the poor, so plenty of people will have walked over them! Graves could collapse once the coffins decayed. Since families buried the poor in shrouds, collapses caused less concern. The superstition possibly results from that.

Saved by the Bell

In previous generations, it was sometimes difficult to tell if someone had actually died or if they were just in a coma. So craftsmen began putting bells on the top of coffins with chains that ran to the inside for the deceased to pull. Then they could ring the bell if they woke up.

This is where the expression, “saved by the bell” comes from.

Leave Feet First

If the deceased was carried out of the home headfirst they might look back and call another family member to follow them into the afterlife, so they were always carried out feet first.

Keep a Lock of Hair

Historically, giving a lock of your hair to someone has been considered a sign of love and devotion, especially when done before an impending separation.

And although it may seem creepy to us, keeping a lock of hair from a deceased family member was perfectly acceptable during the Victorian period.

Jewelry was made from hair, like this mourning bracelet. And hair was even used to make wreaths and pictures for home décor.

Our ancestors believed that keeping a lock of a loved one’s hair would keep their loved ones close to their heart. Today, we may not be as likely to keep locks of hair, but we often save other mementos to remind us of deceased family members.


Friday, June 4, 2021

Are you saving the right amount for retirement? 2

 Here are 8 tips for people who are saving too much for retirement:

 1. Take a good look at the numbers. Most people who are not saving enough have simply not taken the time to figure out exactly how much they need. The same is probably true of people who are saving too much for retirement.

If you use a retirement planning calculator that is detailed and personalized enough to help you feel confident about your future, then you may be better able to relax your tendency toward saving.

2. Rediscover hobbies

Working and raising children often results in people forgetting about hobbies and activities they enjoy. If you’ve lost sight of what you enjoy doing in your free time, work on rediscovering those passions.

3. Develop relationships outside of work.

Our consumer-driven society has trained everyone to believe that more stuff will make us happy, but often the opposite is true. Paying for more stuff means working more hours, and we forget about what really makes us happy, which is spending time with people we like.

Cultivate relationships that matter the most to you, with family, friends, people at church or in a social group.

4. Assess what working and saving is doing for you.

If you are in the minority and think you are saving too much, ask yourself some hard questions. Saving too much is never a bad thing, but you don’t want to have regrets in the future. Why are you so focused on frugality and saving?

Many people genuinely love their work and leisure gives them more stress than the daily grind and excitement of their career.

Other people are living to work instead of working to live.  Your career may be lucrative, but is the stress of your job taking a toll on your health? You could be saving for a long retirement that you’ll never get to enjoy if long hours and stress are making you sick.

5. Invest in other things besides your bank account.

Sometimes, the best savings plan is investing in your health, family, and social and intellectual connections. Take the time to exercise and eat healthfully and enjoy people and leisure pursuits.

6. Start small.

If you are an over saver, you are probably extremely disciplined and not fast to make a big splurge with either your time or money.

It’s okay to start small.

7. Go slow, take time to develop new habits.

Most importantly it is important to give yourself time to adjust to the idea of enjoying life instead of worrying too much about money.

A study found that it takes 66 days — on average — for something to become a habit.  The range was 18 days to nearly 3/4 of a year for people to ingrain a new behavior into their lives.  However, this research was focused on relatively simple behaviors like drinking a glass of water with lunch — not whole lifestyle changes.

Of course, it’s better to have too much money saved for retirement than not enough. But don’t deny yourself life’s pleasures to maximize your nest egg. Some people compromise their lifestyle today for what they think will be their golden years tomorrow. Your golden years are right now.

Save for retirement, but make sure you’re also accumulating experiences and hours spent with loved ones and friends. After all, that’s the true measure of a life well spent.

 

8. Create a detailed plan to help you gain confidence that you have saved enough.

Many people keep working and saving because they just aren’t confident that they have enough. Building and managing your own detailed retirement plan is a great way to find confidence and clarity for how much you really need.

Thursday, June 3, 2021

Are you saving the right amount for retirement? 1

The wisdom of retirement gurus is that you need to have enough savings or pensions to replace 70% of your pre-retirement income when you retired. There is research now that found that the true cost of retirement for many retirees was about 20% less in savings than the common assumptions for retirement savings would indicate. For years, the rule of thumb has been to replace 70 to 80% of your working wages to live comfortably in retirement.

However, new research is finding that some of us can live quite comfortably on a little more than half of our working income and inflation has a much smaller effect on retiree spending.

One of the difficulties with figuring out how much to save for retirement is wading through the different kinds of advice. So much of what you read is a one-size-fits-all formula with so many unknowns and a lot that is not relevant to YOU.

The first tip, planning can be hard because you must make a lot of guesses to even be close to knowing how much you need: If you retire at the age of 65, how long will you live? What will your medical or long-term care expenses be? Will you live through periods of runaway inflation or another stock market crash? Will your adult children fall on hard times and need your financial help?

There must be some rule somewhere that makes sense of the following reality. Those that don’t spend money, are often the ones who save money, which makes sense. Here is the ironic part, the biggest savers are typically the ones who need the least amount of money in retirement. Why you may ask, it is because they’ve become accustomed to living well below their means.

Humans for the most part are creatures of habit, so if you are a saver, as a force of habit, you have spent much of your life earning a paycheck and saving. Over time those savings add up and you feel good about those savings. Thinking about spending those savings you have worked so hard to accumulate is a hard behavioural shift that many will not make. I still save even in my retirement and I was not a life longer saver, I came to the habit late in life, but I still find it hard to spend money without a good reason.

Another reason people may save more than they need is fear. Walk down any city street and you will see people who are homeless, many through no fault of their own. No one wants to end up penniless, which for many means homeless. Fear of running out of money means the more you save.

Tip two, sit down with your financial advisor and run the numbers for your situation. If you run the numbers, you may discover that you’ll likely need less in retirement than originally thought. That does not mean stop saving. However, make sure that the sacrifices you are making to save for retirement don’t come at the expense of enjoying your present life.

Wednesday, June 2, 2021

Imagination

Imagination is a wonderful skill to have, I believe that most of us have this skill. Having said that, I also believe that over time, many of us discount the importance of imagination in our lives. It was important when we were young and is just as important when we are retired. Dr. Murray Hunter of the University of Malaysia Perlis explains that imagination is, in part, about filling in gaps in our knowledge.

“Imagination is the ability to form mental images, sound passages, analogies, or narratives of something that is not perceived through our senses. Imagination is a manifestation of our memory and enables us to scrutinize our past and construct hypothetical future scenarios that do not yet but could exist.

Imagination also gives us the ability to see things from other points of view and empathize with others. Imagination extends our experience and thoughts, enabling a personal construction of a worldview that lowers our sense of uncertainty. Imagination enables us to create new meanings from cognitive cues or stimuli within the environment, which on occasions can lead to new insights.” And, Dr. Hunter explains it’s not always a conscious process.

The reason imagination is just as important now is we have different types of imagination we use on a regular basis:

1. Effective Imagination combines information together to synergize new concepts and ideas.

2. Intellectual Imagination is utilized when considering and developing hypotheses from different pieces of information or pondering over various issues of meaning.

3. Imaginative Fantasy Imagination creates and develops stories, pictures, poems, stage-plays, and the building of the esoteric.

4. Empathy Imagination helps a person know emotionally what others are experiencing from their frame and reference.

5. Strategic Imagination is concerned with the vision of ‘what could be, the ability to recognize and evaluate opportunities by turning them into mental scenarios.

6. Emotional Imagination is concerned with manifesting emotional dispositions and extending them into emotional scenarios.

7. Dreams are an unconscious form of imagination made up of images, ideas, emotions, and sensations that occur during certain stages of sleep.

Truth be told, no matter how logical or intuitive you are, neither of these virtues, no matter how exceptional, will ever enable you to peer into the future and reasonably predict the twists and turns your life may take, nor the circumstances, fortunes, and friends that might someday be your own. It is, in fact, impossible.

That's what imagination is for.

Thoughts become things.