Saturday, July 18, 2015

An oldie but a goodie for the summer heat

The fact that no one understands you doesn't make you an artist
Thanks to Derwyn for a reminder of this oldie but goodie. Source
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With the average cost for a nursing home reaching $188.00 per day, there is a better way to spend our savings, when we get old and feeble.

I have already checked on reservations at the Holiday Inn for a combined long term stay discount and a senior discount. It comes to only $49.23 per night. That leaves $138.77 a day for:
1. Breakfast, lunch and dinner in any restaurant I want, or room service.

2. Laundry, gratuities and special TV movies. Plus, they provide a swimming pool, a workout room, a lounge, washer, dryer, etc. Most have free toothpaste and razors, and all have free shampoo and soap.

3. They treat you like a customer, not a patient. $5 worth of tips a day will have the entire staff scrambling to help you.

4. There is city Bus stop out front, and seniors ride free. The Handicap bus will also pick you up (if you fake a decent limp).

5. To meet other nice people, call a Church bus on Sundays. For a change of scenery, take the Airport shuttle Bus and eat at one of the nice restaurants there. While you're at the airport, fly somewhere.Otherwise the cash keeps building up. 

6. It takes months to get into decent nursing homes. Holiday Inn will take your reservation today. And -you are not stuck in one place forever, you can move from Inn to Inn, or even from city to city. Want to see Hawaii? They have a Holiday Inn there too.

7. TV broken? Light bulbs need changing? Need a mattress replaced? No problem. They fix everything, and apologize for the inconvenience.

8. The Inn has a night security person and daily room service. The maid checks to see if you are OK. If not, they will call the undertaker or an ambulance. If you fall and break a hip, Medicare will pay for the hip, and Holiday Inn will upgrade you to a suite for the rest of your life.

9. And no worries about visits from family. They will always be glad to find you, and will probably check in for a few days mini-vacation. The grandkids can use the pool.

What more can you ask for?
So . . .When I reach the Golden age, I'll face it with a grin-- Just forward all my email to: me@Holiday_Inn!

We need a focused financial literacy strategy

The following is from a report called Toward a National Strategy For Financial Literacy
Phase 1: Strengthening Seniors’ Financial Literacy, published in 2014. Following a review of input based on this report, the Financial Consumer Agency of Canada (FCAC) finalized the financial literacy strategy for Canada’s seniors and published it in June 2015

Canada is one of the first countries working to create a focused financial literacy strategy for its older citizens. While some countries have developed general financial education materials for seniors, much of the focus to date in Canada and internationally has been on prevention of financial abuse and fraud targeting seniors.

• In Australia, the National Information Centre on Retirement Investments, an independent body funded by the national government, provides tools on its website to help people plan for retirement and access objective information related to retiring, investing and financial planning.
• In the U.S., the Consumer Financial Protection Bureau and the Federal Deposit Insurance Corporation have developed the Money Smart for Older Adults—Prevent Financial Exploitation curriculum, including a participant guide and training module for instructors. The U.S. government has also created a website on retirement.
• In the U.K., the Alzheimer’s Society has published a report entitled Short changed: Protecting people with dementia from financial abuse, based on research conducted with people with dementia, caregivers and Alzheimer’s Society staff

With Canadians living longer and having greater responsibility for funding their retirement, saving and building a personal “nest egg” for the future are more important than ever. Yet Canada’s personal savings rate is at a record low. Just less than one quarter of eligible Canadians, for example, contributed to Registered Retirement Savings Plans (RRSPs) in 2011, and total contributions represented less than six percent of the total amount allowed
Achieving significant progress in boosting all Canadians’ financial literacy will require collaborative action by many individuals and organizations over several years. Because different segments of the population have different financial literacy needs, a national strategy will need to take a phased approach, each phase focusing action on the specific needs of each group. While the first group will be seniors, financial literacy programs and initiatives for other groups will not be put on hold. Instead, the national strategy will put special emphasis on collaborating and coordinating efforts according to an action plan to achieve greater results, for each segment of the population in turn.

Middle-income Canadians, particularly those without workplace pensions, are most likely to have a significant gap between their retirement savings and the amount they will need to maintain their standard of living.
Older Canadians face difficult financial decisions and unique challenges related to managing their money, including transitioning from work to full or partial retirement. Seniors who have accumulated savings must decide how best to turn those savings into income and make retirement finances last their lifetime.
In addition to day-to-day money management, older Canadians must prepare for life transitions with financial implications, such as changing housing and care needs, the onset of chronic disease or disability, and loss of independence. They may also face age discrimination and faulty assumptions that they have limited ability to deal with personal finances.
Recent research by the Canadian Centre for Financial Literacy suggests that general financial information is often not relevant to the retirement needs of low-income seniors. Some older Canadians, including Aboriginal and immigrant seniors, may face language and/or cultural barriers that can make understanding the financial marketplace difficult. Inabilities to access and/or afford relevant financial advice also interfere with the development of financial literacy. Some may face the potential of diminishing mental abilities as they age, which may affect their ability to make good financial choices.
Financial literacy resources and support to help seniors manage their money and make sound financial decisions are emerging as the seniors’ population grows, but gaps remain. We must better understand the specific financial knowledge and skills that older Canadians need so that we can better target our efforts. It is also important that we better understand the barriers to financial literacy so that we can minimize them and engage seniors. We must focus on providing more financial education programs and services that are accessible, unbiased, understandable, and relevant to seniors.
Government, and others must also work to understand better the financial literacy needs of specific groups of seniors, including low-income, immigrant and Aboriginal seniors, and tailor programs to address their need

Financial abuse of seniors, which often involves the misuse of their money or belongings by a person the senior trusts, is one of the most common forms of elder abuse in Canada and has serious consequences for their security and well-being. As seniors age, the challenges they face due to lack of financial literacy, or physical or mental challenges, may cause them to rely on others, which can increase their vulnerability to financial abuse.
Powers of Attorney and joint bank accounts are instruments available to assist seniors and others in financial management and protection when they need it; however, these tools have been used to take financial advantage of older adults.


There is a clear need for increased education and action to help seniors identify, report and protect themselves against this problem, and to help prevent financial abuse. It may be possible to expand many already existing activities to reach more seniors

Friday, July 17, 2015

Special Holidays

We as Boomers, like to celebrate, any excuse for a party.  So to get you in the mood to celebrate on this fine Friday in July, here are three little known holiday ideas. Did you know that today is 

Peach Ice Cream Day.  I love this idea especially on a a cool, peachy keen day.

Peaches are one of the best flavours of the summer season. People wait for about 48 weeks for the peach harvest to ripen. And, when it does, for a few short weeks, its  "peach everything"! In celebration of the harvest, the ice cream companies make peach ice cream. Its hard to find other times of the year. Most major ice cream makers only produce it during the summer. (It kinda makes you yearn for the old days of HOJO's 28 Flavors!)

Peach Ice cream is the way to go today. Enjoy it on an ice cream cone, in an ice cream soda, in a sundae, or simply in a dish.

You'll find Peach Ice Cream Day is the real scoop!

The Origin of Peach Ice Cream Day:

I did not find the creator, or the origin of this day. So, I have yet to discover the real scoop over this ice cream day. My money is on the ice cream makers,. probably Ben and Jerry as the originators.

No wonder over the creation of this day sometimes overlaps with National Ice Cream Day. I love peach ice cream, and I agree that it is so good, that it always should always be on a day apart from National Ice Cream Day.

For those of you who do not like to celebrate with ice cream, today is also

Wrong Way Corrigan Day

Douglas “Wrong Way” Corrigan … was an American aviator … (who) In 1938, after a transcontinental flight from Long Beach, California, to New York, he flew from Floyd Bennett Field in Brooklyn, New York, to Ireland, even though he was supposed to be returning to Long Beach. He claimed that his unauthorized flight was due to a navigational error, caused by heavy cloud cover that obscured landmarks and low-light conditions, causing him to misread his compass…

Corrigan’s “error” caught the imagination of the … American public and inspired many jokes. The nickname “Wrong Way’ Corrigan” passed into common use and is still mentioned (or used as satire) when someone has the reputation for taking the wrong direction

And if that was not enough to get you in the mood to celebrate, today is (for all you math people out there):

Yellow Pig Day 

The Yellow Pig is believed to have originated with mathematicians Michael Spivak and David C. Kelly, while they were students at Princeton University in the early 1960s. They began listing interesting properties of the number 17, and somehow the 17-eye lashed yellow pig was born.

Yellow Pigs Day events have been held by mathematicians since at least the 1960s. Most celebrations occur on July 17, although others are held on May 17 (May being the "17th month" of the previous year) and September 17 (a convenient time for college students).

The most elaborate festivities are held at (Hampshire College Summer Studies in Mathematics) HCSSiM, where the holiday has been celebrated annually for roughly 34 years. In preparation for the event, students decorate shirts (often mathematically themed) with yellow pigs on them. 

On Yellow Pigs Day students, staff, and visiting alumni wear these shirts. Ultimate has long been the official sport of the day, and a competitive student/alumni game is held. In recent years, origami yellow pigs have been folded

Wednesday, July 15, 2015

Hearing loss may accelerate atrophy

 I recently got hearing aids and I know find the world a lot nosier place than it was before the purchase of my hearing aids. However, one of the many advantages of being able to hear again is that my brain may not atrophy as fast.

A study by researchers from the Perelman School of Medicine at the University of Pennsylvania shows that declines in hearing ability may accelerate grey mater atrophy in auditory areas of the brain and increase the listening effort necessary for older adults to successfully comprehend speech.
When a sense (taste, smell, sight, hearing, touch) is altered, the brain reorganizes and adjusts. In the case of poor hearers, researchers found that the grey matter density of the auditory areas was lower in people with decreased hearing ability, suggesting a link between hearing ability and brain volume.

"As hearing ability declines with age, interventions such as hearing aids should be considered not only to improve hearing but to preserve the brain," said lead author Jonathan Peelle, PhD, research associate in the Department of Neurology. "People hear differently, and those with even moderate hearing loss may have to work harder to understand complex sentences."

In a pair of studies, researchers measured the relationship of hearing acuity to the brain, first measuring the brain's response to increasingly complex sentences, and then measuring cortical brain volume in auditory cortex. Older adults (60-77 years of age) with normal hearing for their age were evaluated to determine whether normal variations in hearing ability impacted the structure or function of the network of areas in the brain supporting speech comprehension.

The studies found that people with hearing loss showed less brain activity on functional MRI scans when listening to complex sentences. Poorer hearers also had less gray matter in the auditory cortex, suggesting that areas of the brain related to auditory processing may show accelerated atrophy when hearing ability declines.

In general, research suggests that hearing sensitivity has cascading consequences for the neural processes supporting both perception and cognition. Although the research was conducted in older adults, the findings also have implications for younger adults, including those concerned about listening to music at loud volumes. "Your hearing ability directly affects how the brain processes sounds, including speech," says Dr. Peelle. "Preserving your hearing doesn't only protect your ears, but also helps your brain perform at its best."

The research appears in The Journal of Neuroscience and was funded by the National Institutes of Health.


    Tuesday, July 14, 2015

    Social situations, some tips for the shy

    Social situations are among the most important in our lives. Yet, there is a huge chance that you are oblivious to the plethora of unwritten social rules that structure everybody’s behaviour. 

    Failing to comply to these cultural imprints can cause irreversible damage. Just following them blindly will not get you ahead. However, if you use some of these you may get better results when dealing with other people

    1) Assume comfort in any interaction.
    Our brain is an incredibly complicated instrument. Our relationship with it, is a love-hate one. We think we have control over it but usually something unconscious dictates our actions.
    In most of our social interactions, we find it difficult to feel comfortable among strangers because our brain tries to protect us from exposure.

    This however isn't helping us when trying to be social and meet new people, is it?

    This is why assuming comfort is so powerful. Commanding your brain to feel that you already know the person you are about to meet puts you in a position of advantage. It increases the chances of people showing interest in you and consequently even liking you.

    2) Pay attention to people’s feet when you are approaching them.
    Interrupting people when they are in the middle of an important conversation is one of the most annoying things to do. It shows that you have zero knowledge of social dynamics which will lead to unpleasant social situations.

    When you approach a group of people while in a conversation, pay attention to their bodies. If they turn only their torsos and not their feet, it means they are in the middle of an important conversation and they don’t want you to interrupt them.

    If they turn both torso and feet, it means you are welcome. This is extremely important, because the right timing in such situations may put you in a position of advantage, especially if the conversation was boring for both sides.

    3) Whenever you have an argument with someone, stand next to them and not in front of them.
    We’ve all been in situations where out of nowhere the conversation started escalating.
    Unless you love drama, I would suggest you to avoid these situations. You might have the best argument in the world, but usually people get irritated when they feel they are wrong.
    So, whenever you feel that the argument you have with another person (especially friends – it’s not cool to fight with friends) creates tension, move next to them. You won’t appear much of a threat, and they will eventually calm down.

    4) Whenever you need a favour, open with “I need your help.”
    Admit it. We all love to get others to do stuff for us. Either because we are lazy, or because we really need some help to complete a task.

    Social dynamics show that when it comes to platonic relationships, nobody really likes an asshole. So whenever you need a favour, start your sentence with “I need your help.”
    In most cases, people will accept your request and help you out. This occurs because we don’t really like the guilt of not helping someone out and we do like to be the one who is capable of helping.

     5) If you want people to feel good, give them validation. Rephrase what they just told you.
    We love validation. Most of our actions are the outcome of our need for validation. So what is the best way to get people to like you? Give them what they need of course. A simple example, is when you are in a conversation with another person and he says something really important for him. After he finishes, rephrase what he just said in your own words. This will make him think that you are a good listener and that you are really interested in him. It makes him feel he is the centre of attention. That’s validation right there.

    6) If you want to get a positive response from someone, nod while you talk.
    This one is extremely powerful and also a bit manipulative especially if the person is suggestive. So use it with your own responsibility and in an ethical way. Getting a positive response from someone is usually what we want. Whether it is making a sale, or promoting a viewpoint, we always want people to get on board. Nodding while you try to deliver your message is a powerful way to get the person to agree with you. People usually like mimicking, so they will most probably nod back while you talk. This will subsequently communicate to their brains that they have to agree with you.

    7) Want to see if someone is paying attention to what you are saying?  Fold your arms.
    Usually when we are in the middle of a conversation and especially if we talk about something very important to us, we get lost in our talking and rarely pay attention to whether the other person is following or not. So instead of losing time talking to a person who is distracted and might not even be interested in what you are saying, do this. Fold your arms while talking and see if the other person follows your move. If the other person is observing you and pays attention, they will most likely mimic you.

    8) Having trouble remembering names? Repeat the other person’s name during the conversation.
    I suck at remembering names. I usually don’t even listen to the other person when he says his name the moment we get introduced to each other. So usually, I ask a friend to introduce himself to the person so I can listen to his name. Then I forget it again. Awkward. Remembering names is very important because we feel important when someone mentions us. So the moment you meet someone repeat his name. Example: “Hi my name is Alex” “Nice to meet you Alex. So, Alex how do you know John?” And continue to repeat his name throughout the conversation.

    9) If you ask someone a question and they only partially answer, just wait. They will keep talking.
    This is a very common situation when you don’t know the other person that well or your question wasn’t clear enough. If they finish the answer without providing a full answer, just wait. Stay silent and keep eye contact. If the tension becomes unbearable, raise your eyebrows. It puts a bit of pressure on them but it communicates that you show interest. It also sub-communicates that you are a person that usually gets what he wants.

    10) People usually focus on the emotion and not on the subject.
    This is very useful in public speaking but also in building rapport with an acquaintance. Whenever you introduce yourself to new people, most probably they have already heard what you are about to say. Well that’s not a problem. Even if you want to talk about the most boring topic in the world, make sure of one thing: Always try to evoke emotions. From my experience the 3 emotions that you want to evoke are: 
    • Excitement 
    • Laughter: Everyone likes to laugh 
    • Intrigue: Leave a little mystery so the other person has to invest energy to hear more. 

    Don’t be purposely distant, but avoid verbal diarrhea.

    There are many techniques to turn a boring conversation into an exciting and intriguing one, but here are a couple:
        • Pause: A lot of the time when we want to keep someone’s attention, we tend to talk really fast, but this sub communicates neediness and nervousness. A well-placed pause can create tension that makes your words have more gravitas.
        • Tone and Inflection: No one finds monotone exciting. Switch up your tone of voice from deep for declarative statements, to high inflection when you want to leave them guessing.
        • Paint pictures and compose symphonies in their mind with sensory details: When telling a story, take the person you’re talking to on an emotional journey by describing the colours, sounds, textures, tastes, smells, and how they made you feel. This will cause their mirror-neurons to fire off, making it easier for them to imagine actually being there with you.
    So if you want to be memorable, focus on the emotion behind the words. People may forget what you say, but they will never forget how you make them feel.

    11) Confidence is more important than knowledge.
    Two young candidates walked into the interview office to apply for the same job. The first one had a Phd, two Masters and a Bachelor’s degree. The second one had just a Bachelor. The first one was kind of shy, didn’t talk much, his body language was turned inward. The second one had an upright posture, was looking the interviewers directly in the eyes, showed a lot of interest in the job and his answers where emitting confidence. We don’t have to tell you who got the job.

    12) Fake it until you make it.
    No one became an expert on anything over night. However, the learning process in everything you do is accelerated by commanding your brain to think what you want it to think. In simple words. You are what you believe you are. • You are confident if you believe you are confident • You are attractive if you believe you are attractive • You are extrovert if you believe you are extrovert

    13) Pose in a Power Stance.
    This is similar to the previous point, but more concrete than a mantra or belief. Go stand in the mirror, put your hands on your hips, thrust your pelvic forward, pull your shoulders up, back and down, open your chest, tilt your head up, and force the biggest smile you can possibly manage to fit across your face. Even if you consciously know you’re just faking it, your brain can’t tell the difference, and will release endorphins to match your body position. This can feel silly, but it really works.

    14) If you want to be persuasive, try and reduce the use of the words “I think” and “I believe.”
    I don’t really feel the need to elaborate on this one. Obviously these words do not evoke confidence and the other person will most probably not take you seriously. Change them to ‘I know’ and ‘I will’ instead.

    15) A clean and organised environment affects your mood, productivity, and others perception of who you are.
    How many times have you waken up without any motivation at all? How many times have you started working on something without being able to get focused and inspired? Next time this happens, take a look around you. Is your environment clean and well-organized? If not, take some minutes to clean it up and put everything into place. You will feel refreshed and reborn and productivity will spark immediately. But not only that, you will come across as caring and punctual, two highly esteemed traits. Why do think most of the big companies pay so much attention to creating the best working environment for their employees? They know what makes them happy and how it affects their productivity.

    16) Want to find out which people are close to each other within a group and who is perceived as the leader?
    Pay attention to who is looking at each other when everyone in the group laughs at a joke. People instinctively look at and agree with the person they feel closest to within the group.

    17) Whenever you call a person you want to meet, show excitement!
    Always have this in mind. Excitement is contagious. Why do you think the music video from Pharrell Williams – “Happy” got so many views and so many people were talking about it?
    People love excitement! It is like an escape from their boring lives. Never forget that.
    (You can mirror this and show disappointment if somebody let’s you down, making them painfully aware of their hurtful actions.)
    18) Want to build rapport and gain respect? Match body language.
    This is quite a common topic among body language experts and works well if you want to gain respect from a person that has high value.

    Example:
    You are in a social situation where a person has higher value among others within the group. He is the centre of attention and he totally enjoys it. How do you match his value? By befriending him!

    If you want his respect and attention the best thing to do when you approach him is to match his body language and speaking patterns. If he has open body language and he talks with excitement and joy, don’t go there with crossed arms and with an attitude of negating his words.
    Approach him with the same amount of excitement and show openness and interest.

    19) When someone insults you, either ignore him or mock him. Never lose temper. Always control the frame.
    Haters are everywhere. The more you feed them with hate, the stronger they become. Never lose your temper. This is a great example of how to deal with a hater. Enjoy!

    19) Stand up straight, have warm hands and always keep eye contact.
    • Keep a straight posture and walk like a born leader. This sub-communicates confidence and others will respect you automatically.
    • Keep your hands out of your pockets. If you don’t know what to do with them, it is better to fold your arms rather than keep them inside your pockets.
    • Keep your hands warm. If you have a warm hand when you shake somebody’s hand, you immediately become a more desirable person to get along with. Secret Tip – wash your hands with warm water often to keep them warm or take cold showers.
    • You have heard this a thousand times. Here is the 1001st. – never lose eye contact! Losing eye contact is like losing your confidence. One cool trick when first meeting someone is to focus on their eye colour and smile at the same time. The eyes are the gateway to the soul, and taking the extra second to gaze shows you are confident and present. (Be sure to move your eyes away periodically, a constant stare will creep people out.)


    20) The Benjamin Franklin Effect.
    The Ben Franklin effect is a psychological finding:
    A person who has done someone a favour is more likely to do that person another favor than they would be if they had received a favour from that person. Similarly, one who harms another is more willing to harm them again than the victim is to retaliate.

    This is an unbelievable finding. In social situations, you can hack this by making someone do something small for you, then asking for your true favour. It’s such a small favor that they will say yes, and due to cognitive dissonance their brain will rationalize that they must like you enough to do you a favour in the first place. This is also called the foot-in-the-door effect.

    21) Don’t be afraid to touch another person.
    Touching someone on the shoulder or their knees creates an emotional and physical bond. Especially during moments of joy, laughter and excitement touching positively reinforces these traits. If you’re uncomfortable with touching, remember to fake it until you make it.

    22) Use the door-in-the-face hack.
    The opposite of foot-in-the-door. Make an unreasonably large request that will most likely be turned down (but if it isn't then that’s even better!), and follow up with your true intended, more reasonable request. The other person will be more likely to agree to the second request.

    23) Always frame a request as a choice.
    No one likes to feel pressured into doing something they don’t want to do. By subtlety rephrasing a request, you can make the person feel like they came to the decision on their own terms.

    Homeless people who say things like, “it’s up to you if you want to donate or not” end up making more money than those who simply ask for money. The same is generally true for bands that offer “pay what you want” payment structures for their music. They know you can easily download their music for free off the internet, so they encourage you to pay what you feel is right.

    A slightly more aggressive technique is the assumptive close:
    This is a classic sales technique that can be used in any social situation. Instead of asking for permission, “do you want to donate/go on a date/get something to eat” assume that the person already does. Of course, you can’t just force someone to do something, but a leading question can nudge them in the right direction: “Would you like to donate 5 dollars or 10 dollars?”
    Now instead of simply saying yes or no, they have to actively deny your request and feel like a naysayer.

    24) If you work in a bar or in customer service of any kind…
    Put a mirror behind you at the counter. When an angry customer approaches you, he will have to see himself in the mirror and will most probably calm down. Nobody likes ruining his image.

    25) Chew gum if you are nervous.
    Evolutionarily speaking, our brains assume that if we are eating then we aren’t in any immediate danger, so the fight or flight response is weakened.

    For more information here is the Source: