Tuesday, July 27, 2010

Paramount Life - Life after retirement



About Us - Philosophy - The Paramount Philosophy

Paramount Life has over the past 24 months developed a world leading offering of insurance products for sale to individuals at retirement.

Our retirement products are designed to maximise your retirement income through:

a more efficient underwriting methodology (patent pending)
products that meet your income and capital protection needs efficiently.
South Africans that are nearing retirement are faced with a number of risks threatening their future retirement income.

These risks include:

Market volatility
Longevity risk
Behavioural risk
These are greatly exacerbated by insufficient retirement funds.
"The average South African will retire with an income replacement ratio of 30%"
Paramount Life has addressed these risks through actuarially robust products that are focussed on providing complete protection and maximisation of your retirement income.

Wednesday, July 21, 2010

Life after Retirement

Does one simply wake up one morning and say – I am retired – I am tired – twice tired - I`ll spend my day in bed. I don`t think so!! This is a time that most look forward to, to do the things that they haven`t had the time for in many years.

Yes, there may be a short time when one feels kind of lost at the thought of not having to go to work, something that has been a way of life for so long – it is quite natural, but that is the time to be on the go and have some enjoyment planned.

Remember that being at home and not having to answer to others requires a certain amount of discipline, it`s too easy to say – i`ll start tomorrow. Don`t put it off, record your `start’ date and ensure that this is what you abide by.

Too many people die within a year of their retirement, the reasons being that they feel that they are worn out as an individual, which is often caused by phsycological trauma. We can prevent this happening by simply enjoying what we have and being thankful for life itself. Take this period of your life and make it worth living, to explore new and exciting things.

Physical activity is the best way of getting the adrenaline active and enables one to feel the zest for life. I am not saying that you now have to make up for all the exercise in one week that you lacked in the last twenty years! Please, no! Get started with walking, join a club or exercise class, take the stairs, slowly at first, instead of the elevator. Use your imagination, there are plenty of ways to be inventive. Perhaps you always wanted to play golf, or try your hand at painting, now is the time to really enjoy learning those skills at your leisure.

Go out and meet up with friends that you`ve missed out on, perhaps with important events, plan outings with them, they are perhaps feeling lonely. Organise a game of golf. Organising requires a bit of effort of your part, but it`s well worth it. Friends may need more than a little nudging, but persevere.

Start a herb garden, and educate yourself on the benefits of each herb. If you don`t have a garden, herbs grow very well in pots. Growing a few salads can also be very rewarding. Likewise with a flower garden, there is a lot to learn about how to tend to the plants, when they should be clipped, how and when they should be watered etc.

It`s never too late to learn something new, and don`t surrender yourself to `old age’. What is old age – it`s when you have given up. Fulfill all your life`s desires, take up with a dance class and show the world around you that you are not ready to throw in the towel.

Take life, embrace it, love it, and be a pleasure to your family and friends.

Meals on Wheels enhance the lives of the elderly by delivering nutritious, cooked meals to those who cannot fend for themselves.

Elderly Nutrition Program

All of us love to indulge ourselves with unhealthy foods at times, and on occasion, it cannot do a great deal of harm, but generally we need to follow a practical healthy diet. For those who have abused their bodies throughout, there is still time to take stock and change course. Creating the right eating habits is a very smart choice, no matter what your age may be.

If your eating habits have not been the best, make changes one by one, or day by day or week by week, taking it slowly so that you don`t get the feeling that you have been deprived. It may not be easy at first, but when you start feeling the benefits you will no doubt know that it is well worth the effort.

To begin with, ensure that you replace refined foods with whole grains, or at least half of the ones that you consume, gradually working towards only whole grains.

Vegetables and fruits should be varied as much as possible, selecting different colours wherever possible.

Fats should be limited, especially the solid fats. The saturated fats found in foods which are from animals should be limited. It is advisable to keep away from certain margarines which contain trans fats.

As we get older, we tend to enjoy that little `something sweet’ in the evening. Rather than submitting to that craving for chocolates and sweets, keep some dried fruit handy to nibble on and satisfy that craving for sugar.

Each individual has a different level of activity, and if one consumes more calories that the body can use, weight gain will be experienced.

A general guide to a healthy eating plan would be to have approximately three fruits a day remembering to go carefully on the dried fruit, which has lost some of its volume in the drying process. Two pieces of dried peach would be equivalent to a whole fresh peach.

Vegetables should be eaten raw when possible, or lightly cooked or steamed, approximately two to three cups per day.

Whole grains are preferred to refined ones and approximately 150 to 300 grams (5-10oz) would be an allowance for one day, one ounce or thirty grams being equivalent to a slice of bread, a cup of cereal or a half cup of cooked rice or pasta.

It is generally known that if you consume the required amount of proteins, it lessens the craving for sweets or chocolates. The daily requirement for proteins would be 150 – 200 grams (5 to 7 oz), preferably spread out over three meals, rather than consumed all at once. 30 grams or an oz of protein would be one egg, one tablespoon of peanut butter or a half cup of seeds or nuts.
Three cups of low fat or fat free milk is required, remembering that a cup of milk is equivalent to:
a cup of yoghurt , one to two ounces or 30 – 60 grams of cheese and
one cup of cottage cheese is the equivalent to half a cup of milk.

Always check with your doctor if he has suggested a particular diet regarding any health problems that you may have such as diabetes or heart disease, and he may advise you on the best possible way to handle any change in eating habits. For those suffering from Hypertension, there may be a slightly different approach to an eating plan, and one needs to discuss this with their doctor.

Junk foods such as chips, cool drinks and especially alcohol have no real food value, and it is advisable to keep away from them.

As one ages the desire for liquids can diminish, so one would have to make a conscious effort to drink enough water, in fact several glasses each day. Urine should be pale yellow in colour, and if it becomes bright or dark yellow, that is an indication to drink more liquids.

It is not a good idea to stop drinking liquids when having a problem with controlling your bladder. If this is the case, rather discuss it with your doctor, there may be a very simple way of rectifying it.

For those suffering with hypertension, sodium is needed by the body, but too much can cause blood pressure to rise. Eat plenty of fresh foods, most of which contain sodium. Prepared foods and canned foods contain added amounts of salt, so it is advisable not to indulge in these too often.

Always keep your food `safe’ by placing it in the refrigerator as soon as it cools down if you intend keeping any of it for the following day. This will keep the food good for another meal without becoming `stale’.

If finances are an issue, shop carefully and wisely. Check labels, and buy just enough for your present requirements, avoiding having to discard any foods that have exceeded the expiry date, or that have become too old and shrivelled to be of any food value.

Exercise as much as you can, taking a daily walk if that is all you can manage, and enjoy preparing foods that are healthy and nutritious.

Visit Meals on Wheels which is a non-profit organisation that delivers meals to the elderly who cannot fend for themselves.

Tuesday, June 15, 2010



FOCUS AREA:
Algoa Bay Council for the Aged (Acronym ABCA) is a registered welfare organisation providing a diversity of essential services to the elderly and those with similar needs in the Eastern Cape. The main objective being to render services that enable the aged to remain active and independent in the community. To provide alternatives to frail care and institutionalisation. Focussing on the sub economic elderly surviving on a state pension of R1010 per month. In particular those with little or no family support.

We achieve our goals and objectives by providing the following: 3 easily accessible service centres, open daily providing subsidised midday meals and opportunities for social interaction and volunteerism, benefiting the aged still resident in the community and in particular those who live alone, transport is provided, 2 social workers providing counselling services and advice and alternatives to institutional care which cover the entire Metro area where the most prevalent problems encountered remain poverty, family/relationship breakdown, shortage of suitable/affordable accommodation, abuse and neglect.

An auxiliary work service collecting and delivering repeat medication from hospitals and clinics for housebound elderly, concentrating on sub-economic who cannot afford public transport to visit hospitals on a monthly basis, a home care referral service where trained home carers are placed in the homes of the aged who want to be cared for in their own homes, 90% of all recipients are group 111 who were successfully kept out of institutions or delayed admission to a care facility.

A sponsored home care service for residents of our facilities who are in need of personal care, yet cannot access institutional care for financial (cannot afford) or practical (no vacancies) reasons. Beneficiaries must be classified as sub-economic and have minimal or no family assistance to qualify. A low cost unsubsidised rooming house with 54 furnished rooms accommodating 64 aged who need assisted living, a 322 unit low cost housing scheme which is unsubsidised and accommodates 390 aged persons in self catering units consisting of one bed cottages with bathrooms for couples and bed sitters with communal bathrooms for single persons. 75% of the residents are indigent and survive on a state pension of R1010. Both these facilities remain fully occupied and demand for accommodation is great; the growing waiting list indicating the critical shortage of affordable accommodation for the sub economic in the Metro.

A home help service for those who need help to cope with domestic tasks they can no longer perform as a small measure of assistance keeps them independent and out of institutions. A skills development project where the aged are taught arts and crafts and opportunities are created to sell the articles in order to supplement incomes on a profit sharing basis. Promotional programmes on awareness of and assistance with elder abuse featuring informative brochures in Afrikaans, English and Xhosa as well as a portable display and useful handouts with essential contact details.

Assistance to emerging organisations and groups dealing with the aged in disadvantaged areas, and our social workers manage and are part of networking programmes that focus on alternatives to institutional care, providing support and training opportunities to care givers and support on issues relating to the management of NGO's within the South African environment.

WE NEED:
Funding to install showers and upgrade the bathrooms at Buffelsfontein Village. Adoption of aged by sponsoring meal tickets, i.e. R100 can purchase midday meal tickets for a sub economic aged person for 10 days. Toiletries and cleaning materials. Tyres for ABCA vehicles, the painting and upgrading of 24 wooden windows and doors at Cuylerholme Rooms (our assisted living facility in Central). Burglar proofing for the ground floor at the same facility, sanding and varnishing of the wooden floors at our assisted living facility, making good of the walls and new curtain rails where wooden window frames were replaced with aluminium frames at our assisted living facility in Central.


Read more about CharitySA.co.za - Algoa Bay Council for the Aged by www.charitysa.co.za

A Centre That Serves (ACTS) - KwaZulu-Natal, Amanzimtoti, Nsimbini Area Read more about CharitySA.co.za - A Centre That Serves (ACTS) - KwaZulu-Nata



FOCUS AREA:
Meeting the needs of people in underdeveloped rural communities through building partnerships, developing skills, raising funds, providing food security and pastoral care through a process of capacitating and supporting community based programmes.

ACTS aims to identify mentors and train leaders in communities in order to build capacity and strengthen existing programmes.

ACTS is currently providing food for 1300 children / youth on a daily basis. Many of these are orphaned or children made more vulnerable because of factors like HIV and poverty.

Our goals are:
- To establish feeding schemes and provide assistance to existing feeding schemes by supplying food, equipment and training.
- Provide youth activities in disadvantaged communities by running sport, arts, life skills workshops and supplementary education.
- To provide counselling to community members by making a trained counsellors available.
- To provide home based care to needy community members.
- To make social services available.
- To provide spiritual care to community members.
- To provide access to skills development programs to community members.

WE NEED:
Cash Donations towards running costs. Rice, soya, soup powder, sugar, samp, sugar beans etc. Kitchen Equipment, Homebased Care Kits.


Read more about CharitySA.co.za - A Centre That Serves (ACTS) - KwaZulu-Natal, Amanzimtoti, Nsimbini Area by www.charitysa.co.za

Alzheimer's South Africa - South Africa


FOCUS AREA:
We are the leader in the field of Alzheimer’s and dementia in South Africa, providing support, education, training and up-to-date, scientifically-sound information on matters pertaining to dementia. Our vision is a country that is aware and accepting of people with dementia, and that provides adequate services to them, their families and other carers.

WE NEED:
- Computers and software
- Sponsorship for printing newsletters, leaflets, etc
- Sponsorship for photocopying
- Adult incontinence products for an Alzheimers home in Soweto
- Different provinces have specific needs

The old age home we support in Jabulani requires the following items:
- Kitchen storage cupboards
- Covering for kitchen and bedroom floor (must be waterproof)
- Bedding - sheet and duvets for single beds (15)
- Wheelchair
- 2 x wardrobes
- Garden umbrellas for shade


Read more about CharitySA.co.za - Alzheimer's South Africa - Nationwide by www.charitysa.co.za

Blessings Group npo - Eastern Cape


FOCUS AREA:
Blessings Group npo is a HIV/AIDS organisation for OVCs (orphans and vulnerable children) from 0 till 18 years.

To identify them we do door to door surveys in the informal settlements and the townships of Butterworth in the Eastern Cape. We co-operate with the local hospital, clinics, doctors and social workers.

We run a Helpdesk for children, their parents and/or caregivers.

We also run a Drop In Centre for 300 OVCs, who go hungry to school every day, here we provide them with a healthy breakfast before they go to school.

We also have an Activity Centre for OVCs where they are entertained in a holistic way by singing, dancing, drawing, painting, awareness, watching and discussing DVDs like Yesterday, Tsotsi etc.

During schooltime we run a Day Care Centre for the neglected elderly with activities and a healthy lunch.

During the school holidays and the long weekends we run Holiday Camps for OVCs.

To provide the kitchen with vegetables we have several vegetable gardens and a small poultry farm in the rural areas.

All activities are executed by non paid volunteers.

WE NEED:
Money is our biggest problem, because we do not have any support from the authorities.

We also need transport in the form of a 4x4 to travel to the rural areas.

We also need food parcels with samp and beans, maismeal, canned food, clothing for children, books for children and toys.


At this moment we are in the process of building a Centre thanks to a loan from a donor. The Centre will be opened on the 19th of June 2007. We have applied for funding from the Department of Social Service to run the Activity Centre with kitchen.