By Grace Birnstengel via Next Avenue
Divorces have a way of creating a snowball of effects beyond a fractured relationship. If the parties involved had children, things are often messier, and if those children also had children, the divorcees no longer face only the challenges of being exes and parents, but also of being grandparents.
Naturally, grandparents under these circumstances might have to interact and — depending on their locations — see each other at holidays or birthday parties. It could be many years since they last had to see one another or communicate. Jennifer Taitz, a clinical professor of psychiatry at UCLA, recently presented an interesting interpretation of how this conundrum could play out for some divorced grandparents: co-grandparenting.
One Family’s Story of Co-Grandparents
In a column for The New York Times, Taitz told her own family’s story. Her parents divorced when she was in elementary school and didn’t exactly have the most amicable split.
“For years, my parents’ contact was limited to kid-related events, like parent-teacher conferences,” Taitz wrote. “Yet their tension remained, my mother occasionally whispering damning words about my father within earshot, inevitably beginning with ‘He never…’ For his part, my father would more directly and angrily announce, ‘Your mother always…’”
But when Taitz’s first child Sylvie came into the world, she “became the first person to truly bring [Taitz’s] parents into a respectfully shared territory in decades.” Things changed between Taitz’s parents — slowly.
It wasn’t a seamless transition. At first there were glares, insults and passive-aggressiveness, but eventually to the author’s amazement, the article noted, “the tension between [her] parents began to abate, particularly when they both zoomed in on Sylvie, a magnet with her bright red hair and contagious giggle.”
Taitz eventually had a second child and moved from New York to Los Angeles where her parents lived.
The light that their grandchildren brought into the world seemed to minimize the disdain the former couple had toward one another. Jo and Emanuel began to coexist peacefully and even made kind gestures to one another. They cordially spent the same holiday together with the grandchildren, and Taitz’s father purchased her mother a ticket for a benefit at Sylvie’s school. They began to work together not as a couple, but as grandparents.
Exposure Therapy?
Non-traditional relationships like these are not realistic for everyone, but it’s a unique and thought-provoking concept that got Taitz thinking about how her parents were able to fall into a working co-grandparenting relationship.
“As a psychologist, I know about the profound therapeutic impact of exposure therapy — when a person chooses to repeatedly face an uncomfortable stimulus rather than avoid it,” she wrote. “For example, if someone hates public speaking, rather than dodging opportunities to grab a microphone, she would actively pursue chances to perform.”
Was exposure therapy at work here? Maybe. But it’s impossible to say for certain whether forced discomfort could ultimately turn positive for every divorced couple. What worked for Taitz’s parents is somewhat miraculous and definitely won’t bring every family together in the same way, but perhaps the moral is: If we all strive just a little more to meet each other halfway, there’s a lot to gain. Especially for those grandchildren.
© Next Avenue - 2018. All rights reserved.
Showing posts with label grandchildren. Show all posts
Showing posts with label grandchildren. Show all posts
Wednesday, June 27, 2018
Exes? No, Co-Grandparents
Labels:
divorce,
family,
grandchildren,
grandparents
Thursday, March 1, 2018
How and Why to Teach Your Grandchildren About Gratitude
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Credit: Adobe Stock |
By Lisa Fields for Next Avenue
One of the best gifts you can give your grandchild isn’t something physical to wrap up and offer as a birthday present. Rather, you can help to instill a strong sense of gratitude in your grandchild with your words and actions, which can help the child see how much good is in his or her life.
“Gratitude is our positive connection to the past,” said Nansook Park, professor of psychology at Michigan State University, who studies the effects of gratitude on children. “It gives us the sense that there are good things around us, and those good things in our life are the result of contributions by others.”
Feelings of gratitude can alter a child’s perception of the world, his or her family and himself or herself. Research has shown that children who feel grateful are more satisfied with life, more compassionate, more likely to perform well academically, more likely to have close relationships with their family members and less likely to be susceptible to stress, depression and early sexual encounters with peers.
Children need to be taught about gratitude to glean its benefits; it’s a learned skill. But it’s easier to teach than you might think. Grandparents can help cultivate a strong sense of gratitude in grandchildren of all ages, from toddlers to teens. Here’s how:
Be a Role Model
From a young age, children observe adults to learn important life lessons. If you demonstrate that you feel grateful and express your gratitude consistently, your grandchildren are likely to follow suit.
“Research shows clearly that young people learn by observing, not by listening,” Park said. “Young people who grow up watching adults around them practicing gratitude in daily life are most likely to internalize those concepts and adopt that kind of practice.”
Grandchildren whose parents or grandparents don’t demonstrate gratitude are less likely to cultivate gratitude themselves, even if the adults in their lives tell them to.
“If you don’t model it yourself, it will have no impact,” said psychologist Eric Dlugokinski, professor emeritus at the University of Oklahoma.
Going Beyond ‘Thank You’
From a young age, children are taught to say “thank you” for gifts or kindnesses. But saying the words reflexively doesn’t mean that they’re grateful.
“They are often doing that because they have been prompted and they know it’s a social convention,” said Katelyn Poelker, assistant professor of psychology at Hope College in Holland, Mich., who studies the effects of gratitude on children. “It’s maybe more of a ritual than, ‘Wow, I totally understand all the trouble this person went through to get this toy I really wanted.’”
You can help your grandchildren understand gratitude by teaching them why to say “thank you,” not just when.
“It’s important to explain the rationale behind those automatic thank yous,” Poelker said. “You can only feel gratitude when you understand what the other person had to do to make it a reality for you. A younger child can’t think it through the same way as an older child. Explain it: ‘Grandma called Mommy to see what you wanted, and then she drove all the way to the store and picked it out.’”
Uncovering Silver Linings
Naturally, you want to protect your grandchildren from disappointment. You can’t stop upsetting events from unfolding, but instilling them with a strong sense of gratitude can help.
“It’s part of life to win some and lose some,” Dlugokinski said. “It’s not whether you are defeated at something, it’s whether you bounce back. Resilience is the capacity to bounce back from losses.”
If your grandchild is accustomed to thinking about things that he or she is grateful for, it will be easier to find silver linings in upsetting situations and bounce back.
“Gratitude is encouraging young people to shift the focus away from what went wrong,” Poelker said. “It’s framing disappointments and losses in terms of what you still have. Even if you lose the soccer tournament, you still got to spend 16 weeks with the soccer team: The great friendships, the lessons learned and maybe next year, we’ll be better.”
Giving Praise
Complimenting your grandchild is an excellent way to express gratitude in an accessible way.
“It’s good to recognize success,” Dlugokinski said. “It’s especially good to recognize effort. If somebody has tried as hard as they can and did not achieve, recognize that. They can come back and use that same effort and make it work next time.”
Don’t just tell your grandchild that you’re grateful for his or her actions; explain why.
“It doesn’t have to be a long conversation,” Poelker said. “Explain that actions have consequences. If you take the time to explain things on occasion, that’s where the power of those interactions really lie.”
Offering Perspective
Although teens may seem focused on themselves, they haven’t necessarily forgotten about gratitude.
“People often think that young people are entitled and ungrateful, but that is not always true,” Park said. “Adolescence is for young people to focus more on themselves and try to build a sense of identity. Thinking about how others contribute to their life is not exactly what they are interested in doing. This does not mean that they are not grateful.”
You may help teens embrace gratitude by pointing out sacrifices that others have made for them.
“Encourage them to see things from multiple vantage points,” Poelker said. “It sets them up to better appreciate all the kind things that have been done for them when you understand what it took for the other person to make that happen.”
Expressions of Gratitude
When your grandchild receives a gift, you can encourage him or her to write a thank-you card. If you start early on, card-writing can become a positive habit.
“If adults make it fun with young people and truly explain the meaning of activity, [writing thank-you notes] can be a part of family ritual,” Park said. “However, if adults demand or preach young people to do it as an obligation while they are not doing it, it is not only less effective but it creates resentment and resistance.”
Younger children can get into the habit by drawing thank-you pictures. Older children can dig deep within themselves.
“I would recommend that the note explain why the child is grateful, rather than, ‘Thanks for the gift,’” Poelker said. “You strengthen that bond, acknowledging something deeper than, ‘Hey, you got me something.’ It’s beneficial both for the benefactor and the beneficiary.”
© Next Avenue - 2018. All rights reserved.
###
Friday, July 14, 2017
Write Down Those Special Grandparent Moments
How to keep a journal or blog so you can both share memories
By Patricia Corrigan for Next Avenue
So many boomers are finding delight in nurturing grandchildren — and most of us also are amazed that they do grow up quickly. That rarely seemed the case when we were bringing up our own kids.
A traditional baby book stuffed with baby shower napkins, pink or blue ribbons and photos seems a bit outdated in this digital age, though many of us do make them for our grandchildren.
Another option is a journal.
You can write it on the computer and call it a blog, or on paper and call it a diary. Either way, recording special moments will help you recall every heartfelt emotion from the early days, months or years — depending on long you keep writing. Plus, you will have something meaningful to share with your grandchild when he or she is old enough.
It’s easy. You write what you want, long or short, and you write when you want. The idea is to preserve those moments that touch your heart. There are no deadlines, no required lengths, and no need to fret over spelling or grammar. This is just you, talking on paper or typing up your thoughts.
How to Begin
On the day in 2011 that I learned my daughter-in-law was pregnant, I started an online journal called “OH BOY! OH BOY! A Blog for My Grandson.” I added entries right up until his first birthday.
So what did I write about?
The news of the impending birth, the responses to that news from family and friends and even a sampling of the names we expectant grandparents hoped the baby would call us once he arrived and learned to speak.
I made a note when one of Max’s grandmas-to-be (he has three, lucky boy) first bought baby clothes. She sent me an email that read, “I’m going to send the kids a couple of them, but also hang one up on the living room wall to remind me of him coming. Fun, fun, fun!”
In the blog, I wrote that when I put these new items on the top shelf of the closet, I found not one, but two sock monkey dolls, purchased a few years earlier just in case I ever had a grandchild. In a later post, I dutifully recorded the history of sock monkey dolls.
Of course, I did my share of shopping too. Recreational shopping takes on an extra kick when a grandbaby is on the way! My first purchases were a blue hooded sweatshirt, size 6 months, and teensy tie-dye socks.
Include Warm Wishes from Others
I want Max to know that even people beyond his immediate family cared about him before he arrived, so I copied some emails from friends into the blog.
This came from my friend Carolyn: “What a lucky grandson he will be. He’ll learn the history of Ireland. He’ll learn about oceans. He’ll learn about whales. He’ll have all sorts of children’s books. I’m thinking he’s going to be brilliant!”
One day, I wrote about all the places we might go together: “We can go to the Galapagos when you are 7. Can’t wait for you to meet the marine iguanas! We can go whale watching at the Farallon Islands when you are 10. We can go to San Francisco Giants’ games whenever we feel like it. The California Academy of Sciences, the world-class art museums, the playgrounds — it’s all waiting for us. We’ll go and do and marvel at the world together!”
That day, clearly I was in Grandma-as-Auntie-Mame mode.
On the day of the baby shower, I showed up with a normal gift, but I also brought some of my son’s baby blankets and a few tiny outfits of his that I’d saved all these years — freshly washed, of course. In the blog, I recorded all that, to provide a “you-were-there” moment, along with warm wishes from people at the party.
A few weeks before the baby was due, I wrote this: “We toasted you at Thanksgiving. We spoke of you on Christmas Eve. We toasted you at Christmas dinner. At each event, we were hyper-aware that you will be among us soon. I imagine myself holding you, looking into your eyes. I imagine us becoming quite close. In some ways, you are the person I have been waiting to meet for a long time. I look forward to loving you.”
What older children wouldn’t want to read something like that about their impending arrival?
Report on the Birth and the First Days
Of course I wrote about The Phone Call from my son, saying the baby was here and mom and baby were both well. I also compiled a short list of famous people born the same day. And here is what I reported after my first meeting with Max:
“What an amazing moment. You — and me. For the first time. You were all bundled up in a blanket and had on a tiny hat that made your right ear fold over. At some point — I think when I moved you from my left arm to my right — your blanket shifted and out popped your tiny right hand, with long slender fingers. I touched your hand with my index finger — and you grabbed it. Yep — we are in this together, for the long haul.”
I made a list of visitors who came to see Max at the hospital and in the following months, once he was home. When he was three months old, I recorded a moment of grace: “Time and time again — as recently as yesterday afternoon — I held you while you slept. Sometimes rocking, sometimes sitting still, sometimes patting your back or arm or leg, sometimes just studying your beautiful face, I held you as you slept. What a remarkable gift.”
Write What Your Heart Tells You
You get the idea. Inspiration for this project came from one of Max’s grandmas. “Put together a blog about this journey for him to enjoy when he’s older,” she said. Looking back, I am so glad I listened!
And I think it’s great advice for anyone bubbling over with joy before or after the big event. Again, it’s easy. You just record your thoughts and feelings about the great gift that is the birth of a grandchild.
You write it down now so you can relive it all later, together.
© Twin Cities Public Television - 2017. All rights reserved.
###
By Patricia Corrigan for Next Avenue
So many boomers are finding delight in nurturing grandchildren — and most of us also are amazed that they do grow up quickly. That rarely seemed the case when we were bringing up our own kids.
A traditional baby book stuffed with baby shower napkins, pink or blue ribbons and photos seems a bit outdated in this digital age, though many of us do make them for our grandchildren.
Another option is a journal.
You can write it on the computer and call it a blog, or on paper and call it a diary. Either way, recording special moments will help you recall every heartfelt emotion from the early days, months or years — depending on long you keep writing. Plus, you will have something meaningful to share with your grandchild when he or she is old enough.
It’s easy. You write what you want, long or short, and you write when you want. The idea is to preserve those moments that touch your heart. There are no deadlines, no required lengths, and no need to fret over spelling or grammar. This is just you, talking on paper or typing up your thoughts.
How to Begin
On the day in 2011 that I learned my daughter-in-law was pregnant, I started an online journal called “OH BOY! OH BOY! A Blog for My Grandson.” I added entries right up until his first birthday.
So what did I write about?
The news of the impending birth, the responses to that news from family and friends and even a sampling of the names we expectant grandparents hoped the baby would call us once he arrived and learned to speak.
I made a note when one of Max’s grandmas-to-be (he has three, lucky boy) first bought baby clothes. She sent me an email that read, “I’m going to send the kids a couple of them, but also hang one up on the living room wall to remind me of him coming. Fun, fun, fun!”
In the blog, I wrote that when I put these new items on the top shelf of the closet, I found not one, but two sock monkey dolls, purchased a few years earlier just in case I ever had a grandchild. In a later post, I dutifully recorded the history of sock monkey dolls.
Of course, I did my share of shopping too. Recreational shopping takes on an extra kick when a grandbaby is on the way! My first purchases were a blue hooded sweatshirt, size 6 months, and teensy tie-dye socks.
Include Warm Wishes from Others
I want Max to know that even people beyond his immediate family cared about him before he arrived, so I copied some emails from friends into the blog.
This came from my friend Carolyn: “What a lucky grandson he will be. He’ll learn the history of Ireland. He’ll learn about oceans. He’ll learn about whales. He’ll have all sorts of children’s books. I’m thinking he’s going to be brilliant!”
One day, I wrote about all the places we might go together: “We can go to the Galapagos when you are 7. Can’t wait for you to meet the marine iguanas! We can go whale watching at the Farallon Islands when you are 10. We can go to San Francisco Giants’ games whenever we feel like it. The California Academy of Sciences, the world-class art museums, the playgrounds — it’s all waiting for us. We’ll go and do and marvel at the world together!”
That day, clearly I was in Grandma-as-Auntie-Mame mode.
On the day of the baby shower, I showed up with a normal gift, but I also brought some of my son’s baby blankets and a few tiny outfits of his that I’d saved all these years — freshly washed, of course. In the blog, I recorded all that, to provide a “you-were-there” moment, along with warm wishes from people at the party.
A few weeks before the baby was due, I wrote this: “We toasted you at Thanksgiving. We spoke of you on Christmas Eve. We toasted you at Christmas dinner. At each event, we were hyper-aware that you will be among us soon. I imagine myself holding you, looking into your eyes. I imagine us becoming quite close. In some ways, you are the person I have been waiting to meet for a long time. I look forward to loving you.”
What older children wouldn’t want to read something like that about their impending arrival?
Report on the Birth and the First Days
Of course I wrote about The Phone Call from my son, saying the baby was here and mom and baby were both well. I also compiled a short list of famous people born the same day. And here is what I reported after my first meeting with Max:
“What an amazing moment. You — and me. For the first time. You were all bundled up in a blanket and had on a tiny hat that made your right ear fold over. At some point — I think when I moved you from my left arm to my right — your blanket shifted and out popped your tiny right hand, with long slender fingers. I touched your hand with my index finger — and you grabbed it. Yep — we are in this together, for the long haul.”
I made a list of visitors who came to see Max at the hospital and in the following months, once he was home. When he was three months old, I recorded a moment of grace: “Time and time again — as recently as yesterday afternoon — I held you while you slept. Sometimes rocking, sometimes sitting still, sometimes patting your back or arm or leg, sometimes just studying your beautiful face, I held you as you slept. What a remarkable gift.”
Write What Your Heart Tells You
You get the idea. Inspiration for this project came from one of Max’s grandmas. “Put together a blog about this journey for him to enjoy when he’s older,” she said. Looking back, I am so glad I listened!
And I think it’s great advice for anyone bubbling over with joy before or after the big event. Again, it’s easy. You just record your thoughts and feelings about the great gift that is the birth of a grandchild.
You write it down now so you can relive it all later, together.
© Twin Cities Public Television - 2017. All rights reserved.
###
Labels:
baby boomers,
blogging,
grandchildren,
grandparents,
intergenerational,
journal
Wednesday, June 28, 2017
The 9 Keys to a Happy Retirement
What the experts say, plus 8 great retirement books
![]() |
Credit: Getty Images |
It turns out that happiness and retirement do go together.
Well, based on the research and books I’ve read and interviews I’ve done since becoming editor of the Money & Security and Work & Purpose channels at Next Avenue in 2011, they can go together if you play your cards right.
And it’s not just about having saved enough money or having a great pension, though both of those help. I’ve come to the conclusion that there are nine keys to a happy retirement, one of them pertaining specifically to couples. I’ll lay them out shortly and suggest a few books that can help you retire happy.
Of course, the definition of retirement isn’t what it was even 10 years ago. For many people, retirement in 2016 is not about quitting your full-time job full-stop at 65 and then living a life of leisure.
Well, based on the research and books I’ve read and interviews I’ve done since becoming editor of the Money & Security and Work & Purpose channels at Next Avenue in 2011, they can go together if you play your cards right.
And it’s not just about having saved enough money or having a great pension, though both of those help. I’ve come to the conclusion that there are nine keys to a happy retirement, one of them pertaining specifically to couples. I’ll lay them out shortly and suggest a few books that can help you retire happy.
Of course, the definition of retirement isn’t what it was even 10 years ago. For many people, retirement in 2016 is not about quitting your full-time job full-stop at 65 and then living a life of leisure.
What Is Retirement, Anyway?
For one thing, 65 was the retirement date set in 1935 when FDR signed Social Security into law. It made more sense when people didn’t live as long as they do today and at a time when most employers provided guaranteed pensions once their employees retired. A March 2016 Ameriprise study said 71 percent of current retirees rely on guaranteed pensions from their former employers while 75 percent of pre-retirees plan to rely on anything-but-guaranteed 401(k)s when they retire.Catherine Collinson, president of the Transamerica Center for Retirement Studies, recently told me that many workers now envision retirement as a transition, something that happens over time. The current catchphrase is “flexible retirement,” which means either going from full-time to part-time work or working in a different capacity or working as long as you’re able.
That said, here are the nine ways to increase your chances of being happy in retirement:
That said, here are the nine ways to increase your chances of being happy in retirement:
1. Figure out in advance what you want out of retirement. By that, I mean things like: how you’ll spend your days, where you’ll spend them and what would make you fulfilled.Stan Hinden, the author of How to Retire Happy, recommends starting to think seriously about retirement when you’re around 50 or 55.
One key decision is where you will retire and how much traveling you’ll want to do. Some people choose to retire in another country. It’s not for everyone, but a recent survey of 389 expats by the website Best Places in the World to Retire found that 81 percent were happier in their new country than where they lived before.
Why is that? For one thing, the cost of living was often less — sometimes much, much less. That meant they didn’t need to worry as much about their expenses or finding a high-paying job in retirement.
Many of the expats also said they were less stressed than before because their new country wasn’t as fast-paced as America. Many also said they loved their new “simple life,” especially because they now had more free time to volunteer (I’ll come back to that last point shortly).
If you’re wondering which are the best places in the world to retire, the answer depends on which survey you believe. International Living says the top places are Panama and Ecuador. And the Live and Invest Overseas site has picked the Algarve region of Portugal and Cayo, Belize.
2. The corollary to No. 1 — If you have a husband, wife or partner, talk frankly together about what you both want out of retirement. Neal Frankle, a noted financial planner, recently wrote on Next Avenue that he finds it helpful for couples to discuss their retirement dreams and write them down. Then, he says, they should mark each item as a “must have,” a “want” or a “wish” and be ready to compromise.
One thing you’ll want to figure out is how much time the two of you will want to spend together, since this may be the first time you’re both available all the time.
Hinden told Next Avenue that he and his wife came up with a system that worked for them: Early in the week, they each would spend time alone or with their own friends. Then, toward the end of the week, they’d do things together, like go to museums, theaters or restaurants.
3. Come up with a retirement income plan. By that I mean: sit down and figure out how much your 401(k) and other accounts will translate to in monthly income; how much you’ll get from Social Security and any pension; how much you can afford to withdraw each year (the rule of thumb is around 4 percent) and which accounts you’ll tap first for withdrawals to keep taxes down.
Devising a retirement income plan before you retire will relieve stress once you are retired. But only 52 percent of pre-retirees have done so, according to Ameriprise.
By the way, don’t be surprised if your retirement income or expenses don’t turn out the way you expected. When Ameriprise surveyed retirees, it found three types of expenses were higher than the retirees expected: health care, food and taxes.
4. Choose when to retire and then follow through (if you can). The authors of an excellent book called The Retirement Maze surveyed 1,477 retirees to see what made the happy ones happy. One thing they found was that workers who were able to retire by choice were happier than ones whose retirement was thrust on them: 69 percent of the retirees who retired by choice were satisfied with their lifestyle but only 36 percent pushed into retirement said they were.
I realize many people aren’t lucky enough to be able to decide when they’ll retire because they lose their job or their health forces them to stop working. But if you can pick your date, you should.
5. Stay engaged and healthy (if you can). The career coach Bill Ellermeyer says the happiest retirees he knows are either engaged in some kind of meaningful activity or are actively employed. Some have become entrepreneurs; some have started encore careers, doing either paid work or volunteering for the greater good, some are just volunteering here and there.
He also says they “eat well, sleep soundly, play often, exercise at least three times a week and maintain strong social connections.” In fact, a survey by Age Wave and Merrill Lynch of 3,300 pre-retirees and retirees said “good health” as the No. 1 key to happiness in retirement.
6. Get a part-time job in retirement. Some of the happiest retirees are people who phased into retirement by gradually reducing their full-time hours. But if you can’t arrange to do that, then just quitting your job and then finding part-time work can be very satisfying, not just financially but psychically. Studies show that working in retirement helps keep your mind sharp and helps you avoid getting isolated and lonely.
The trouble is, not enough employers are helping their older workers work out a flexible transition to keep a job there part-time in retirement. A recent Transamerica study found that although 61 percent of American workers envision a flexible transition to retirement, only 25 percent said their employers offer the opportunity to shift from full-time to part-time work as they phase into retirement.
So, it’ll probably be up to you to figure out how to work part-time in retirement. Maybe you can take the initiative to come up with a plan through your current employer. If not, try securing a part-time job somewhere else, perhaps by setting up shop as a consultant or a project-based contractor.
7. Learn new things or pursue your passions. Those passions could be ones you had when you were much younger but somehow stopped doing over the years, like playing an instrument or painting. Retirement is a great time to discover new passions, too, by taking classes or finding one-on-one instruction.
Check out local colleges for adult education and continuing education classes, too. These courses could teach you new skills or just provide knowledge for the pure joy of it.
8. Keep a schedule, but not like the one you had before you retired. I came across one study from Taiwan that said the key to a happy retirement isn’t how much free time you have, it’s how you manage whatever free time you have.
The authors didn’t recommend blocking out every minute of every day, but instead advised setting goals and priorities for your free time and then evaluating whether they were appropriate and achievable. Then, they said, organize your activities on a daily or weekly basis — just not hourly. Having some kind of schedule prevents you from getting bored, depressed or lonely.
One key decision is where you will retire and how much traveling you’ll want to do. Some people choose to retire in another country. It’s not for everyone, but a recent survey of 389 expats by the website Best Places in the World to Retire found that 81 percent were happier in their new country than where they lived before.
Why is that? For one thing, the cost of living was often less — sometimes much, much less. That meant they didn’t need to worry as much about their expenses or finding a high-paying job in retirement.
Many of the expats also said they were less stressed than before because their new country wasn’t as fast-paced as America. Many also said they loved their new “simple life,” especially because they now had more free time to volunteer (I’ll come back to that last point shortly).
If you’re wondering which are the best places in the world to retire, the answer depends on which survey you believe. International Living says the top places are Panama and Ecuador. And the Live and Invest Overseas site has picked the Algarve region of Portugal and Cayo, Belize.
2. The corollary to No. 1 — If you have a husband, wife or partner, talk frankly together about what you both want out of retirement. Neal Frankle, a noted financial planner, recently wrote on Next Avenue that he finds it helpful for couples to discuss their retirement dreams and write them down. Then, he says, they should mark each item as a “must have,” a “want” or a “wish” and be ready to compromise.
One thing you’ll want to figure out is how much time the two of you will want to spend together, since this may be the first time you’re both available all the time.
Hinden told Next Avenue that he and his wife came up with a system that worked for them: Early in the week, they each would spend time alone or with their own friends. Then, toward the end of the week, they’d do things together, like go to museums, theaters or restaurants.
3. Come up with a retirement income plan. By that I mean: sit down and figure out how much your 401(k) and other accounts will translate to in monthly income; how much you’ll get from Social Security and any pension; how much you can afford to withdraw each year (the rule of thumb is around 4 percent) and which accounts you’ll tap first for withdrawals to keep taxes down.
Devising a retirement income plan before you retire will relieve stress once you are retired. But only 52 percent of pre-retirees have done so, according to Ameriprise.
By the way, don’t be surprised if your retirement income or expenses don’t turn out the way you expected. When Ameriprise surveyed retirees, it found three types of expenses were higher than the retirees expected: health care, food and taxes.
4. Choose when to retire and then follow through (if you can). The authors of an excellent book called The Retirement Maze surveyed 1,477 retirees to see what made the happy ones happy. One thing they found was that workers who were able to retire by choice were happier than ones whose retirement was thrust on them: 69 percent of the retirees who retired by choice were satisfied with their lifestyle but only 36 percent pushed into retirement said they were.
I realize many people aren’t lucky enough to be able to decide when they’ll retire because they lose their job or their health forces them to stop working. But if you can pick your date, you should.
5. Stay engaged and healthy (if you can). The career coach Bill Ellermeyer says the happiest retirees he knows are either engaged in some kind of meaningful activity or are actively employed. Some have become entrepreneurs; some have started encore careers, doing either paid work or volunteering for the greater good, some are just volunteering here and there.
He also says they “eat well, sleep soundly, play often, exercise at least three times a week and maintain strong social connections.” In fact, a survey by Age Wave and Merrill Lynch of 3,300 pre-retirees and retirees said “good health” as the No. 1 key to happiness in retirement.
6. Get a part-time job in retirement. Some of the happiest retirees are people who phased into retirement by gradually reducing their full-time hours. But if you can’t arrange to do that, then just quitting your job and then finding part-time work can be very satisfying, not just financially but psychically. Studies show that working in retirement helps keep your mind sharp and helps you avoid getting isolated and lonely.
The trouble is, not enough employers are helping their older workers work out a flexible transition to keep a job there part-time in retirement. A recent Transamerica study found that although 61 percent of American workers envision a flexible transition to retirement, only 25 percent said their employers offer the opportunity to shift from full-time to part-time work as they phase into retirement.
So, it’ll probably be up to you to figure out how to work part-time in retirement. Maybe you can take the initiative to come up with a plan through your current employer. If not, try securing a part-time job somewhere else, perhaps by setting up shop as a consultant or a project-based contractor.
7. Learn new things or pursue your passions. Those passions could be ones you had when you were much younger but somehow stopped doing over the years, like playing an instrument or painting. Retirement is a great time to discover new passions, too, by taking classes or finding one-on-one instruction.
Check out local colleges for adult education and continuing education classes, too. These courses could teach you new skills or just provide knowledge for the pure joy of it.
8. Keep a schedule, but not like the one you had before you retired. I came across one study from Taiwan that said the key to a happy retirement isn’t how much free time you have, it’s how you manage whatever free time you have.
The authors didn’t recommend blocking out every minute of every day, but instead advised setting goals and priorities for your free time and then evaluating whether they were appropriate and achievable. Then, they said, organize your activities on a daily or weekly basis — just not hourly. Having some kind of schedule prevents you from getting bored, depressed or lonely.
9. See your children and grandchildren if you have any. Hinden said his favorite tip from his retirement do’s and don’ts list was: Do find ways to be friends with your children and grandchildren, even though they are very busy. You need them, Hinden added, and, whether they realize it or not, they need you.
Incidentally, just retiring itself is likely to make you happier. A study by Utah State and George Mason University professors found that retirement immediately tends to improve both happiness and health, and that the effects of this life satisfaction are long-lasting.
And here’s one last piece of good news: Most retirees say they are happy because of all the things retirement has given them the opportunity to do. In fact, a MassMutual Financial Group survey found that retirement just might pay you a happiness “bonus.” In its poll, 82 percent of retirees said retirement gave them an opportunity to enjoy themselves and about two-thirds said they now had a chance to have new experiences and feel fulfilled.
Finally, my reading list — here are some Next Avenue articles and some books that could boost your chances of a satisfying retirement:
Next Avenue ‘Happy Retirement’ Articles
These Next Avenue articles have more details about the nine keys to a happy retirement:
Incidentally, just retiring itself is likely to make you happier. A study by Utah State and George Mason University professors found that retirement immediately tends to improve both happiness and health, and that the effects of this life satisfaction are long-lasting.
And here’s one last piece of good news: Most retirees say they are happy because of all the things retirement has given them the opportunity to do. In fact, a MassMutual Financial Group survey found that retirement just might pay you a happiness “bonus.” In its poll, 82 percent of retirees said retirement gave them an opportunity to enjoy themselves and about two-thirds said they now had a chance to have new experiences and feel fulfilled.
Finally, my reading list — here are some Next Avenue articles and some books that could boost your chances of a satisfying retirement:
Next Avenue ‘Happy Retirement’ Articles
These Next Avenue articles have more details about the nine keys to a happy retirement:
The 4 Traits of the Happiest Retirees
Time Management Is Crucial to a Happy Retirement
The Secrets of How to Retire Happy
Retirement Just May Pay You a ‘Happiness Bonus’
How Couples Can Make Smart Retirement Decisions Together
4 Reasons Expat Retirees Are Happier Than You Are
The One Retirement Book You Need to Read
8 Books for a Happy Retirement
Happy Retirement: The Psychology of Reinvention by Professor Kenneth S. Shultz
How to Retire With Enough Money by Teresa Ghilarducci
The 5 Years Before You Retire by Emily Guy Birken
The Retirement Maze by Rob Pascale
The Couples’ Retirement Puzzle by Roberta K. Taylor and Dorian Mintzer
The Encore Career Handbook by Marci Alboher
Second-Act Careers by Nancy Collamer
Getting the Job You Want After 50 for Dummies by Kerry Hannon
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Labels:
career,
financial,
follow your dreams,
grandchildren,
happiness,
retirement,
travel,
well-being
Tuesday, August 9, 2016
3 Reasons Boomers Should Play Pokémon Go
Millennials have gravitated to this app, but it's not just for the Snapchat set
By Amy Knapp for Next Avenue
The Pokémon Go smartphone app was released in the U.S. less than a week ago, and — Millennial that I am — I’ve found myself immersed in the “Poké cult.” I have hunted, captured, evolved and battled with the rest of them. I have chosen a team and found myself walking in places at times that are out of the ordinary for me. I can also proudly claim that I have 54 Pokémon in my Pokédex. Although it may seem as though this new sensation is aimed at Millennials, I have some advice to boomers: Give it a shot.
What Is It?
But first, what is Pokémon Go?
It’s a location-based augmented reality game, developed by Niantic, that lets you explore your neighborhood and beyond — using your GPS and camera — to capture hundreds of different Pokémon. They can be pretty much anywhere — in your lakes, in the park or at your local gym, for example.
According to an article published by Forbes on July 11, market intelligence firm Sensor Tower estimates that the game has been downloaded more than 7.5 million times, and has earned Niantic $1.6 million daily revenue. That was two days ago. Not bad for an app that’s still poking around to find its legs.
The app’s makers, in fact, are still working out some kinks. Users have complained about problems such as a failure to fully upload the app and glitches that can cause the screen to freeze. Perhaps a bigger concern, Pokémon are showing up in places where they aren’t welcome and are sometimes wholly inappropriate.
The New York Times article reported that Pokémon have been showing up at the Auschwitz memorial in Poland, the United States Holocaust Museum in Washington, D.C., and the National September 11 Memorial in New York, for instance.
But first, what is Pokémon Go?
It’s a location-based augmented reality game, developed by Niantic, that lets you explore your neighborhood and beyond — using your GPS and camera — to capture hundreds of different Pokémon. They can be pretty much anywhere — in your lakes, in the park or at your local gym, for example.
According to an article published by Forbes on July 11, market intelligence firm Sensor Tower estimates that the game has been downloaded more than 7.5 million times, and has earned Niantic $1.6 million daily revenue. That was two days ago. Not bad for an app that’s still poking around to find its legs.
The app’s makers, in fact, are still working out some kinks. Users have complained about problems such as a failure to fully upload the app and glitches that can cause the screen to freeze. Perhaps a bigger concern, Pokémon are showing up in places where they aren’t welcome and are sometimes wholly inappropriate.
The New York Times article reported that Pokémon have been showing up at the Auschwitz memorial in Poland, the United States Holocaust Museum in Washington, D.C., and the National September 11 Memorial in New York, for instance.
Not Just Nostalgia
For Millennials, Pokémon are nostalgic, a reminder of childhood days spent watching Ash Ketchum catch and battle various Pokémon in the animated television series Pokémon; the collectible trading card game and the Gameboy video games. And the sensation that hit in the ’90s is still going strong, and not just because of the new app. Today’s elementary schoolchildren still trade Pokémon cards and play video games — and the app has only increased interest.
So why should a boomer care about this craze?
Well, for starters, it’s free. So what have you got to lose?
But the first real reason is that it’s good exercise. One of the major benefits of this game is that you get lots of steps when you play. In order to “catch ’em all,” users have to get out and go exploring. Many articles, including this one from Minnesota Public Radio, have pointed out that this app is getting some people up off the couch. (For those of you who are already walking plenty, keep up the good work!)
The second reason is it’s a great way to meet and connect with people. Once you start playing, you’ll find yourself talking to others from all walks of life who are also hunting for Pokémon. You might even make a new friend.
And the third reason is it’s a great way to connect with grandchildren and other kids in your life. Ask them what level they are, how many Pokémon they have captured and if they would like to hunt for Pokémon with you. All you have to do is download the app on your smartphone.
For Millennials, Pokémon are nostalgic, a reminder of childhood days spent watching Ash Ketchum catch and battle various Pokémon in the animated television series Pokémon; the collectible trading card game and the Gameboy video games. And the sensation that hit in the ’90s is still going strong, and not just because of the new app. Today’s elementary schoolchildren still trade Pokémon cards and play video games — and the app has only increased interest.
So why should a boomer care about this craze?
Well, for starters, it’s free. So what have you got to lose?
But the first real reason is that it’s good exercise. One of the major benefits of this game is that you get lots of steps when you play. In order to “catch ’em all,” users have to get out and go exploring. Many articles, including this one from Minnesota Public Radio, have pointed out that this app is getting some people up off the couch. (For those of you who are already walking plenty, keep up the good work!)
The second reason is it’s a great way to meet and connect with people. Once you start playing, you’ll find yourself talking to others from all walks of life who are also hunting for Pokémon. You might even make a new friend.
And the third reason is it’s a great way to connect with grandchildren and other kids in your life. Ask them what level they are, how many Pokémon they have captured and if they would like to hunt for Pokémon with you. All you have to do is download the app on your smartphone.
How Do I Play?
The game is simple and easy for users of any age. The point is to collect various types of Pokémon by exploring your surroundings. Once you download the app on your mobile device, you sign in and create a character (the options are limited, so it takes only minutes to set up). Then you can begin the hunt.
Start walking and you will see your surroundings on the screen. As you move about, you will come across Pokémon that you can capture. To do so, click on the Pokémon, wait for a little red-and-white ball (a Pokéball) to appear. Catch the Pokémon by throwing the ball at it. To do this, you hold your finger on the ball, swipe up and release. If the ball hits the creature, it is caught and added to your Pokédex.
The Pokémon have various levels of strength. As you get more involved in the game, you may want to trade weaker Pokémon and evolve them into stronger ones.
The higher level they are, the better you will do in nearby PokéGyms, which are action-packed hubs for players superimposed on real-world landmarks. There are also Pokéstops, where you can pick up free items that will help you obtain more of the creatures. If you feel that battling in the PokéGyms isn’t quite your speed, fear not. You can continue evolving your characters by simply walking around.
And if the game still seems a little confusing, ask the nearest kid how to play.
© Twin Cities Public Television - 2016. All rights reserved.
###
The game is simple and easy for users of any age. The point is to collect various types of Pokémon by exploring your surroundings. Once you download the app on your mobile device, you sign in and create a character (the options are limited, so it takes only minutes to set up). Then you can begin the hunt.
Start walking and you will see your surroundings on the screen. As you move about, you will come across Pokémon that you can capture. To do so, click on the Pokémon, wait for a little red-and-white ball (a Pokéball) to appear. Catch the Pokémon by throwing the ball at it. To do this, you hold your finger on the ball, swipe up and release. If the ball hits the creature, it is caught and added to your Pokédex.
The Pokémon have various levels of strength. As you get more involved in the game, you may want to trade weaker Pokémon and evolve them into stronger ones.
The higher level they are, the better you will do in nearby PokéGyms, which are action-packed hubs for players superimposed on real-world landmarks. There are also Pokéstops, where you can pick up free items that will help you obtain more of the creatures. If you feel that battling in the PokéGyms isn’t quite your speed, fear not. You can continue evolving your characters by simply walking around.
And if the game still seems a little confusing, ask the nearest kid how to play.
© Twin Cities Public Television - 2016. All rights reserved.
###
Labels:
baby boomers,
entertainment,
Friendship,
games,
grandchildren,
grandparents,
intergenerational,
millennials,
Pokemon
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