Saturday, January 8, 2022

Not

Not a poem by Erin Hanson

Erin is an Australian poet who wrote this in about 2014this is a poem about self-acceptance and self-love. It is also an anthem for the self-judged. We spend all our lives doing things for others, living for others, and praising others. We spend so much time dwelling over what people have to say about our personalities and our appearances. A lot of us also spend so long trying to live the dreams of others and live their lives. But what about us? What about caring for yourself a little more and loving yourself a lot more no matter what age you are.

You can find more of her poetry here:  https://www.facebook.com/e.h.thepoeticunderground/

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Not 

You are not your age,

Nor the size of clothes you wear,

You are not your weight,

or the colour of your hair.

You are not your name,

Or the dimples in your cheeks.

You are all the books you read,

And all the words you speak,

You are your creaky-morning voice,

 the smiles you try to hide,

You are the sweetness in your laughter,

and every tear you've cried,

You are the songs you sing so loudly

Whenever you know you're alone

You're the places that you've been to,

and the one that you call home,

You’re the things that you believe in,

And the people that you love,

You're the photos in your bedroom,

And the future that you dream of'

You’re made of so much beauty

But it-seems that you forgot

When you decided that you were defined,

By the things you're not

Friday, January 7, 2022

Do women adapt better to retirement than men?

I was asked the question do women adapt better to retirement than men? It is a great question, but one that is hard to answer. From a personal perspective, the women I know adapt better to any situation than the men I know. So, I suspect they will adapt better to retirement. Men tend to identify themselves by who or what they do at work, while women do not do this and that may be one reason why I suspect women adapt better to retirement.

For all of us besides the obvious need to plan for our financial future by saving for retirement, we can all adapt to this stage of life by following some useful tips to ensure a happy retirement:

void letting your work define you. In the end, work is only one aspect of your life, and you should seek to assume as many different roles as possible during the course of it to soften the blow during retirement.

Build friendship networks outside of work. This will make it easier for you to maintain those friendships after you retire and so make the whole process smoother.

If you’re a man, avoid getting stuck in the role of breadwinner. Find new, more meaningful roles after retirement, such as consultant, educator, or perhaps mentor someone you care about to help them succeed in their career.

Work to improve your marriage. It’ll go a long way in ensuring a happy retirement.

Thursday, January 6, 2022

I am 75 and can't afford to quit work

Saving for retirement is not an option, but it is an opportunity that fewer and fewer are taking advantage of in the US and in Canada. Government pensions in Canada are designed to replace between 35 and 40 percent of pre-retirement income. That is if you have worked and get Canada Pension plus Old Age Security. In the US their system is designed to replace between 38 and 45% of pre-retirement income. In the last decades, companies have moved away from offering any type of pension plan and are turning the responsibility of saving for retirement over to the individual. That is not working well for the individual but is working well for companies.

An average of 65 million Americans receive a monthly social security benefit, with the majority of payments going to retired workers and their dependents. When Covid-19 hit the US, millions of workers in the US and Canada had to rely on food banks to have enough food to eat, and in the US where health insurance is tied to a job, many lost health care and had to pay out hundreds of dollars out of pocket for treatments.

The Media reports of older workers have often been framed as feel-good stories, such as a viral news report of an 89-year-old pizza delivery man who received a $12,000 tip raised by a customer out of remorse, as he works 30 hours a week because he can’t afford to retire on social security benefits alone. Or an 84-year-old woman who started a new job as a motel housekeeper in Maine in July 2020. Or an 81-year-old woman in Ohio who volunteered to start working at her favourite restaurant in November 2021 because it shut down temporarily due to an inability to hire and retain enough staff.

The good news stories hide the grim reality that millions of Americans are working into their senior years because they can’t afford to have a job.

Over the next decade, the number of workers ages 75 and older is expected to increase in the US by 96.5%, according to the Bureau of Labor Statistics, with their labour force participation rate projected to rise from 8.9% in 2020 to 11.7% by 2030, a rate that has steadily increased from 4.7% in 1996.

The number of workers who retired during the pandemic was about 2 million more than expected. 50.3% of US adults ages 55 and older said they were out of the labour force due to retirement in the third quarter of 2021, compared to 48.1% in the third quarter of 2019, according to an analysis by Pew Research Center. Though in recent months, the unretirement rate of US workers has gradually increased toward pre-pandemic levels.

As the ageing US population grows, participation in retirement plans has declined since 2000. Nearly half of all families in the US have no retirement savings at all and inequality among Americans based on retirement savings is greater than income inequality. Over 15 million adults ages 65 and older are economically insecure, with incomes below 200% of the federal poverty line, with Black, Hispanic and women ages 65 and older more likely to live in poverty.

With the average estimated social security retirement benefit in 2021 at $1,543 a month, even with a 5.9% cost of living adjusted increase for 2022, millions of Americans who rely on social security benefits are forced to continue working past retirement age in order to make ends meet.

As the US population ages, with millions of Americans having no retirement savings, the number of older Americans with student debt, either for themselves or for children, is on the rise.

Nearly 9 million Americans ages 50 and older still have student debt, and the amount owed by this demographic is growing faster than any other age group. In 2015, 40,000 Americans had their social security retirement benefits garnished for student loans.

If you are still working pay attention and start saving for retirement, do not follow the lesson of your elders.

 

Wednesday, January 5, 2022

Seniors’ falls in Canada Second report published by Health Canada

According to this report:

Injury in Canada is a serious public health concern. It is a leading cause of hospitalization for children, young adults and seniors, and it is a major cause of disability and death.

Falls remain the leading cause of injury-related hospitalizations among Canadian seniors, and between 20% and 30% of seniors fall each year.

Falls and associated outcomes not only harm the injured individuals but also affect family, friends, care providers and the health care system.

However, we do know that these personal and economic costs can be avoided through injury prevention activities

Among Canadian seniors, falls remain the leading cause of injury-related hospitalizations, and absolute numbers are on the rise. Falls can lead to negative mental health outcomes such as fear of falling, loss of autonomy and greater isolation, confusion, immobilization and depression. In addition to the negative physical and mental health consequences of falling, there are significant associated financial costs, estimated at $2 billion annually, a value 3.7 times greater than that for younger adults.

Biological or intrinsic risk factors include those pertaining to the human body and are related to the natural aging process, as well as the effects of chronic or acute health conditions. In 2008/2009, 20% of Canadian seniors in the household population reported at least one fall; falling was even more prevalent among older ages (i.e., 80 years and over). The following conditions often associated  with aging are contributors to falling:

a.  acute illness: Symptoms of acute illness such as weakness, pain, fever, nausea and dizziness can increase the risk of falling.102 For example, one study found that infections, in particular urinary tract infections, were a precipitating factor in 8% of falls.82 Furthermore, the effects of medications taken to treat the condition or symptoms can also increase the risk of falling.169

b.  balance and gait deficits: Balance impairments result when there are changes to the normal functioning of the systems underlying postural control, which can involve biomechanical, sensory and cognitive changes.76 Changes to these systems result in context-specific instabilities that may lead to falls.76 Research consistently shows that balance deficits are significantly linked to  risk of falling among older adults.  Similarly, a number of studies have found that variability in one’s  gait (e.g., timing, placement) is a risk factor for falling.

c.  chronic conditions and disabilities: A wide range of chronic conditions can increase an individual’s risk of falls, including neurological disorders such as Parkinson’s disease, diabetes, arthritis, cardiovascular disease, end-stage renal disease, chronic obstructive pulmonary disorder or the effects of a stroke.

a.  These chronic conditions result in physical limitations that affect one’s mobility, gait and balance. For example, in samples of community-dwelling individuals with Parkinson’s disease, estimates show that over 60% of participants fell at least once each year, and the risk of a fracture has been shown to be approximately twice that of comparable older persons who fall. Furthermore, complications related to diabetes, such as neuropathy, retinopathy and nephropathy, likely contribute to an increased risk of falls.

d.  Other chronic conditions include bowel or bladder incontinence and urgency, which can lead to rushing and frequent trips to the bathroom.

a.  A recent meta-analysis conducted by Bloch et al. found a strong link between taking laxatives and falls, such that patients taking laxatives were twice as likely to fall as those not taking them.

b.  Similarly, foot disorders such as corns, bunions, toe deformities, ulcers and general pain can contribute to balance and gait difficulties.

e.   cognitive impairments: For those older people with dementia or other cognitive impairments, the risk of falling and sustaining a fall injury is two to three times that of older people without cognitive impairments. Cognitive impairments affect one’s ability to anticipate and adapt to environmental stimuli to maintain or restore balance. In addition, researchers are beginning to explore the link between dementia, gait instability and delirium, has also been shown to increase the risk of falls. Delirium may result from acute infection, medication, dehydration, sensory impairment, emotional distress etc. Research has found that normal age-related cognitive changes can also affect balance, for example, through delays in switching attention from an ongoing cognitive task to the task of responding to an unexpected loss of balance.

f.   low vision: Changes to vision, such as decreases in visual field sensitivity, acuity, contrast sensitivity and stereopsis, are associated with aging and increase the risk of falls. For example, a systematic review of risk factors found that older adults with low vision were 2.5 times more likely to fall than older adults without visual deficits. Indirectly, changes in vision are linked to a decrease in physical activity, which is another risk factor for falling. Low vision can impede one’s ability to walk safely because one cannot detect hazards

g.  muscle weakness and reduced physical fitness: Decreases in muscle strength and endurance can leave one unable to prevent a slip, trip or stumble from becoming a fall. The panel of the American Geriatrics Society, British Geriatrics Society and American Academy of Orthopaedic Surgeons found muscle weakness to be the most important risk factor, increasing the risk of a fall by four to five times. Furthermore, weakness in the lower extremities was found to be a risk factor for fall- related hip fractures.