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Work Goals

Discuss about the Aging Matter for Journal of Adolescent Health.

“Don’t Retire, Repurpose Your Life” age makes no difference, beautiful lines expresses in the book called ‘THE CHANGE ‘expressed that there is no end of anything whatever your age could be. Keep learning what you love to do, keep doing what to love to do. Life is such a wonderful blessing. There are those who have really tough challenges to deal with and you could help them. You could read in the library to small children. You might love art, so volunteer to talk about your favourite artist. If you enjoy visiting, go sit with a Vet, a person who has to be cared for, or makes it hard for the spouse or care giver to go out an hour alone. You can read to them, just visit, or really make yourself of help to others by just being there. As I love to work and increase knowledge, so after my age of 65 I still want to learn new theories and will work. (Paul, 2014)

I try to rejuvenate myself but I know I can’t do as I was doing during my adulthood. There are many factors that influenced me to achieve my goals. These factors are:  

Health: My body is not that energetic what I feel from inside. I need to take regular intakes in order to maintain my energy level. I digestion capacity reduced day by day, eating junk food will not help me either.

Medicines: I used to take medicines only when I am not well at my young age, even I refused to do so n recover automatically but now I need to take medicines on regular interval to keep myself ready to live routine life.

Mind: Now my mind is mature and practical enough to understand every little thing, so as during my young age I never back step to accept challenges but now I am little bit afraid just because of my age factor. Another key to stay healthy and keep the heart healthy is by being happy always and keeping the stress away from me.  

Chronic diseases: It depends upon the heredity or the living conditions of the person, some have one chronic disease while others have many. It could be followed after a test taken by the doctor which can show us the report as how can we keep ourself healthy and fit.

Life Long Learning

Digestive system: Person is suffering from many digestive disorders about 40% of the time, they are like inability to eat proper diet, problem in swallowing, bleeding, constipation etc

Eyesight: There is reduction in the ability of the person to read or locate objects. After 50 most of the people is suffering from presbiopia while after 80 by the cataract.

Heart: Heart becomes less efficient comparatively which results in loss of stamina and can result into serious problems in future. However, to prevent this at first it is necessary to be aware with our health.

I am trying to bring some much needed changes in my life and settling into a new life style. I sleep properly, exercise in the proper amount and I eat only healthy food. I eat healthy. I take orange for fibre, vitamin C, low fat cheddar cheese and avocado slices for lunch with a low fat yogurt parfait with blueberries, strawberries and bananas for dessert. I forgot about the nuts for snacking, nuts are nutritious and supposed to contain the good kind of fat. I forgot about the two cups of veggie crunch sticks each afternoon – maybe I need to cut those veggie crunch sticks out. I’ll eat more high fibre and other foods that are supposed to help lower LDL. I am excited about the changes I’ve made. Its good time to revisit my goals which I have already set during my adulthood. As I was very busy in work and earning money, running in race of settling myself I left few things which I love to do. So I have already planned to do all these things after my retirement. Involving in activities like yoga and meditation will surely help in improving my mental health. I love to do yoga. Yoga is one of the best ways to focus ones mind and remove stress. When I am unable to visit my Yoga classes I practice at my home and meditate.

As long the life goes on the period of learning extends each time with it. The stage of life is a classroom and we get to learn something or other throughout our life. Education is the most important pillar of the life of an individual. It gives direction to the human life. Even if I am 65years old I want to persue my dreams.I want to sudy, as we use to say that there is no age for the study. So I want to complete my degrees and education qualifications. Books are my best friends they never give worries they always give knowledge and spend time with the human being very sincerely. They never ditch with their thoughts.Although the of the age group 60-80 enjoys their life in the most richest manner but the main drawback is body failure and their depence on others.

Financial Crises

One of the biggest problems that can hamper achievement of goal is financial crisis. Even with the increase in aging the problem sustains. So a few steps can resolve the problem and help save a person from financial crisis..This age is usually associated with the time when many medical and pension benefits are available. It will help to gain the advantage of the situations that were analysed beforehand to prevent any further crisis. Before finally retiring from the job it is needed to ensure that the savings are enough to continue with the daily activities and the problems are can be solved with the saved money. . The monetary related issue is one of the essential issue that can occur at any point of life at any where. For this purpose it is necessary to understand and be ready for the situation that may arise in future. The benfits of the money saved while in the retirement period can prove out to be an advantageous decision made early in the life.

Research shows that retirement doesn’t necessarily mean that the responsibilities towards the family come to an end. Although many retirees will still be remember the time when they first stop working. Increasingly, we were seeing retirement incomes being extended in ways that would not have seemed likely a generation ago. Numerous monetary dependants and multi-generational households are additional motives why saving as much as possible as early as possible, and seeking specialised economic advice, are vital for those preparing for retirement.Providing a financial support is very important but after retirement people used to get afraid of the situation as they will beable to provide the same helping hand to their family or not.  (Paul, 2014)

Transportation helps the person to move from one place to another. The person who don’t have personal vehicle can easily move from one place to another during his past but after retirement moving through public bus or any other mode is not suitable even driving two wheeler is also not safe for the person. The person should have four wheeler in order to move, the maintanence of four wheeler is costly as compares to other mentioned modes and financially already the person is in risk. So having proper means of transport impacts highly on the fulfilment of family responsibilities.

After considering all my financial issues I come up with various of the concerns regarding my decisions in life related to financial decision. Some of my plannings and check lists are listed below:

Responsibilities Towards Family

Capital Preservation: Capital conservancy means security and protection. CDs, Treasury retreats and reserves bonds do pay interest, however they are all backed by the full confidence and credit. Cash reserves of insurance carrier is sometimes backed with annuities which causes the fund investor to become insolvent.

Investment: Investment seeks as a mode of payment in the aging period. This might confront to some of the risks but the preferred utility stocks, corporate and municipal bonds brings up higher rates of income. In addition, annuities also provide income with guarantee and some restrictions offered inside the contract (Cussen, 2017).

Planning: Planning is another significant decision that needs to be taken each time there is a need of such decisions. planning is important to be done in each process as it helps to understand the consequences and the profits that might be upcoming with the situation. there is a need with the planning in the period of aging as it will help to feature the solution before hand.

Tax Reduction: Tax reduction is itself explainable. there is simply  a goal to decrease the income levy bill of any of the investment policy being used. As if for a saving as growth investor for the the purpose of retirement. in such case it can be useful to use an “individual retirement account (IRA)” or a tax referred plan. annuities are also kind of tax-deferral plans (Cussen, 2017).

References

Bernheim, B. D. (1987). Dissaving after retirement: Testing the pure life cycle hypothesis. In Issues in pension economics . University of Chicago Press.

Blinder, A. S., Gordon, R. H., & Wise, D. E. (1983). Social Security, bequests and the life cycle theory of saving: cross-sectional tests. In The determinants of national saving and wealth . Palgrave Macmillan, London.

Bradley, B, Green, AC. Do Health and Education Agencies in the United States Share Responsibility for Academic Achievement and Health? A Review of 25 years of Evidence About the Relationship of Adolescents’ Academic Achievement and Health Behaviors, Journal of Adolescent Health.

Centers for Disease Control and Prevention. The Association Between School-based Physical Activity, Including Physical Education, and Academic Performance. Atlanta, GA: U.S. Department of Health and Human Services; 2010.

Danziger, S., Van Der Gaag, J., Smolensky, E., & Taussig, M. K. (1982). The life-cycle hypothesis and the consumption behavior of the elderly. Journal of Post Keynesian Economics.

Davies, J. B. (1981). Uncertain lifetime, consumption, and dissaving in retirement. Journal of political Economy.

Diamond, P. A., & Hausman, J. A. (1984). Individual retirement and savings behavior. Journal of Public Economics.

Ekerdt, D. J. (1986). The busy ethic: Moral continuity between work and retirement. The Gerontologist.

Hamermesh, D. S. (1982). Consumption during retirement: The missing link in the life cycle.

Hubbard, R. G. (1986). Pension wealth and individual saving: Some new evidence. Journal of money, credit and banking.

McKenzie, FD, Richmond, JB. Linking health and learning: An overview of coordinated school health programs. In: Marx E, Wooley SF, Northrop D, eds. Health is Academic: A Guide to Coordinated School Health Programs. New York, NY: Teachers College Press; 1998.

Mirer, T. W. (1979). The wealth-age relation among the aged. The American Economic Review.

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