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.