Rich get richer, poor get poorer

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As CTV pointed out back in May, the Rich get richer and the poor get poorer.  

Now more than ever, Canada’s rich are getting richer while the poor get poorer and the middle class stagnates, according to the latest census data released May 1 by Statistics Canada.  Between 1980 and 2005, median earnings among Canada’s top earners rose more than 16 per cent while those in the bottom fifth saw their wages dip by 20 per cent.

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Tips for Seniors Downsizing to a Smaller Home

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This is a guest post by Claire Bradshaw.

Seniors often find that the house seems to grow larger and become less manageable as they grow older. Advancing years can make tasks that once seemed easy much more difficult, and housework and home maintenance may eventually become a great stressor to elderly people. For these reasons people often begin to think of downsizing their homes in their later years.

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Does A Senior Need A Home Office

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This is a guest post by Lloyd Burrell.

Even if you have just a lot of house bills and other things accumulated, wouldn’t you be better off with something that resembles a home office? But if you have a hobby that generates a lot of paperwork or maybe a part-time work at home job that tops up your pension, there comes a point when a few shoe boxes and an old fax machine won’t last any longer.
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How to Save Money on Assisted Living

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This is a guest post by Mariana Ashley.

Assisted living facilities are designed for those who struggle maintaining their own homes and need regular assistance from professional caretakers. While many homeowners don’t ever really plan on relocating to an assisted living facility, there may come a time when this option seems ideal.  In fact, according to the American Healthcare Association, about 1 million senior citizens choose to relocate to an assisted living facility to live out the rest of their Golden Years.
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Tips on Making Your Senior Home Office Alive And Green

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This is a guest post by Lloyd Burrell of officedeskreviews.com, an office desk website that knows the value of going green.

One of the joys of maturity is being able to spend more time in the garden, right? No occupation is as delightful as the culture of the Earth, agreed? So much for the stereotypes.

But what if you’re a senior with blue on your fingers from using your pen instead of green from caressing the plants? In these difficult economic times many seniors find themselves sitting behind a desk in a home office simply because they do not have the financial means to do otherwise, whereas for others they spend their days sat in their office through choice. For some it may be a place to get away from a nagging spouse!

Whatever your reasons are for spending time in your home office it is important that you consider your working office space to be part of the Earth. Living plants are vital to the health and wellbeing and survival of our earth.  Making sure your office is alive and green can do much to improve your personal well-being. Here are some tips and some points to consider….

Light and Food For Your Office Plants

What lighting do you have in your office? Do you have any windows where plants could be placed? Is there an area where special plant growing bulbs could be installed?

There are many species of plants out there and shade loving ones that usually grow in the wild under a rainforest canopy, will do well. There has to be some light, though, whether real or manmade.

How much space do you have where plants could sit fairly undisturbed? Who will water the plants (be sure not to over water) and fertilize them and sing to them? Plants respond to sounds. Scientists have determined that classical music works best. This also applies to humans (except teenagers). If you don’t have the time or inclination, there are plant services that will take care of the work for you.

Specific Plants for Certain Purposes

  • Oxygen Provider — A broadleaf plant like Areca Palm or Dracaena. These types of plants can also remove chemicals from the air.
  • Room Brighteners — Plants with flowers or variegated leaves. These usually need more light than darker green leaved plants.
  • Budgets — The rarer the plant or the more maintenance it needs, the more costly it will be.
  • Knowledge of Plants — How much do you know? Research a few plants and what they will look like when grown. Buy a ficus and it will become a tree. You don’t want your office space taken over, just enhanced.
  • Exotics and Their Purpose — Plants exist, because they just are. But, what about gorgeous orchids or Bonsai trees? If you think that their needs are too complicated, then try a sturdy Philodendron or Pothos, even a Creeping Charlie.

If you feel the need to obtain some expert advice then the local home improvement or hardware store experts can help. You can even try nurseries. They’re good with plants. Buying plants with a specific purpose in mind, can get complicated, but it needn’t be overblown.

Here are a few more things to look for:

  • Buy healthy looking plants from a local farmer’s market or nursery. You can usually tell if the plant is healthy, merely by looking at it. Another indication is that there may be brown leaves on it, which show either poor nutrition, or lack of water or light, or even that the plant is on its way out.
  • If you buy a few plants online, then look for a guarantee in case the plants are dead when they arrive. Plants sent by mail are usually in their infancy, so to speak. They will need time to grow. This could be an advantage as it would give them time to acclimatize to your office
  • The two best plants for cleaning your air of chemical pollutants are Peace Lily and Areca Palm. This could really help if your office and flooring and paint on the walls are full of VOCs (Volatile Organic Compounds).
  • Rubber Plants, Ficus trees, English Ivy and Boston Ferns, Spider Plants and Moth Orchids are a few most recommended air cleaners. They also look pretty. Ficus trees shed their leaves every now and then (just a few) so don’t be alarmed. It’s only if you arrive back at the office the next day and suddenly all of the leaves have fallen off, that you need to worry.

Office Plants Need Special Consideration

If office space is tight but your office furniture is a large computer desk, then place a potted plant in one corner. A proper desk lamp could provide enough light.

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Because plants need water to survive, you have to provide a strong and waterproof tray under them so that your furniture and carpets and flooring are protected. If the pot that the plant is in doesn’t have any holes in the bottom, then make one or two. Undrained plants can soon rot and they are very smelly. That defeats the purpose of cleaning your air, doesn’t it? Make sure that the plant tray is deep enough and that water doesn’t sit in the bottom. That can also be extremely odorous.

Above all else, have fun with plants. Despite their apparent lack of responsiveness, they really do interact in many ways with the people they live amongst. Treat them right, and they will return the favour. It’s never too late to get some green on your fingers!

About the Author

Former accountant and auditor in the city of London, Lloyd Burrell is the publisher of OfficeDeskReviews.com where he reviews a variety of desks ranging from office reception desks to more sophisticated executive office desk furniture. He may have let some plants die in his past due to lack of care but because of his two children and his cat, Lloyd has grown to become much more aware of his environment, both in the office and out in the world. He knows that plants feed us and inspire us but now he also knows how they can help shape our future earth.

After all, they are the "green" in greening. Lloyd likes to play the guitar in his spare time. His houseplants seem to appreciate the music, and can be seen now and then, moving their leaves to the soft guitar chords — but only when they think no one is looking or is it possible that that breeze coming in through the window is the cause?

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Power of Attorney – Get One Before You Need One

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A Power of Attorney specifies who will manage your property during your lifetime, in case you are unable to do so yourself.  As Daniel O. Tully, Eldercare attorney, points out you should start the conversation soon. 

No one wants to face the fact that our loved ones will not be with us forever. Facing our own mortality is frightening as well.  Don’t be afraid to start the conversation. Whether you are a parent talking to your children, a husband talking to a wife or an adult child talking to an aging parent, bringing up the topic of death and disability can be difficult, but it is an important conversation to have.

Although none of us wants to contemplate a time when we or a loved one might become disabled or die, it is important to be prepared. There are many steps families can take in advance of death or disability to avoid future conflicts or uncertainties.

You need to be covering:

  • a power of attorney in case of disability
  • a health care power of attorney giving someone else the authority to communicate your wishes about medical treatment, if you are unable to do so
  • estate planning
  • a will
  • Funeral arrangements

You should also list information on the location of assets, such as bank accounts, property and stocks and bonds; the identity of important professionals who might have information about your estate; and the location of important records, such as loan, insurance and tax documents. The list can also contain things you want done immediately after you die, such as calling relatives or notifying employers.

It is important that Families must communicate and respect the designated Power of Attorney. A failure to do so can cause major problems.  A family member who is unaware of an existing Power of Attorney may grant rights to others that are counter to what has been authorized in the POA. 

When relatives are in declining health,  a POA should be registered with banks, investment firms, doctors, credit card companies and indeed any other company or institution they may have dealings with. Even their drugstore should have a copy.   Only in this way can the individuals rights and wishes be preserved and honored.

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Senior Label Or Senior Brand

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This post started off with a draft title of A Senior By Any Other Name.  I was picking up the theme of a Montréal Gazette article I enjoyed entitled, What’s in a name? That which we call a senior …

The reason why my interest was piqued by that article was that I recognized the author’s name, Janet Torge.  It reminded me of pleasant evenings spent playing badminton in Beaconsfield many years ago since she was a member of the club there.

Janet mused about some of the existing names that are being used to describe seniors:

  • Boomers
  • Seniors
  • Old people
  • Elders
  • Zoomers

All of them seem to have drawbacks and she came up with the pleasing alternative of Late Bloomers.

Avoiding the word plays that the Bloomers word might have suggested, I suddenly realized that there seemed to be an acceptance that what we are talking about here is a label for others to use about those of us who are over 50.

Since we are all living longer and staying healthier, I am not sure I will meekly accept a label that others might put on me.  Given many more years of productive and fulfilling life, it seems to me that a more proactive approach suggests we should not be looking for a Senior label.  A label is usually something you stick on an inanimate object.  What we need is a Senior Brand.

Why a brand?  Without a strong brand, others may assume the wrong things about seniors in general.  If we want to get more positive reactions, then we should not be shy about the positive contributions we can make.  The Senior Brand should certainly accentuate the positives.  Just think of some of the adjectives you might apply:

  • Distinguished
  • Experienced
  • Knowledgeable
  • Fund of memories
  • Energetic
  • Reliable
  • Inventive

At the same time as guardians of the brand we must make sure that any possible negatives that people may assume would apply are never visible.  That means avoiding any suggestion that we may be:

  • Weaker
  • Forgetful
  • Irascible
  • Vision challenged
  • Nodding Off
  • In our dotage

Thinking along those lines you might come up with the following (or their female equivalents where appropriate) as possible contenders for the brand name:

  • Chiefs
  • Heads
  • Sages
  • Senators
  • Authorities
  • Gurus
  • Nobles
  • Statesmen
  • Patricians
  • Patriarchs
  • Peers

Those are just to get your mental juices flowing.  If you can think of a more positive brand name for seniors, then why not add it in the comments.  This is really important because there are more and more of us every year who will be promoting that brand. Let’s find a brand we can be proud of.

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Forever Young But Too Old To Rent A Car

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‘Forever Young’ is the kind of magazine you will be seeing more of on city streets:

LAS CRUCES – It’s about “the joy of life after 50,” and you’ll find it on local newsstands today. Forever Young is a free monthly magazine catering to area seniors. “Las Cruces is a prime retirement community.  Our senior population is large, active and ready for adventure – that’s FY’s premise.  Too many seniors’ magazines are all about the woes of old age. Not us. We’re about people enjoying the life they’ve worked so hard to achieve.”

It is all part of the changing demographics.  Seniors are living longer, they’re staying fitter and they are traveling more.  Often that can be by coach but many wish to maintain their independence and travel by automobile.  Although a small car may be adequate for traveling in your local neighborhood, something bigger is more appropriate when covering the miles.  If so seniors may be renting bigger cars or RVs for greater comfort.

rv

Even though they may be fitter and healthier than their parents, they should be aware that sometimes regulations and practices are not keeping up with the times.  For example there are often rental car age limits in Europe.  Before you commit to a driving trip in Europe, make sure all the drivers in your party conform to local requirements. Although those requirements are generally similar to what you find at home, a few may surprise you.

In several countries, some car rental companies impose maximum age limits for rentals, generally, or for rentals of some models of cars:

  • Denmark: Some rental agencies impose a maximum age of 80.
  • Slovenia: Some rental agencies impose a maximum age limit of 73, and renters ages 70 to 73 may face surcharges.
  • Czech Republic, Greece, Poland, Romania and Slovakia: Some rental agencies impose a maximum age of 70.
  • United Kingdom: Some rental agencies apply an extra fee for travelers age 70 or over; some rental agencies apply a maximum age limit of 69 on some car classes.
  • Ireland (Republic): Rental agencies bar anyone over 75 from renting a car

It’s all points to the need to carefully preplanned your trip.  For car rental you should make sure you are aware of all the suppliers who may meet your needs and seek out the car hire package that will work best for you.  You may well be ready for adventure but to enjoy that you should make sure that all your arrangements will fall into place without a hitch.

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Having Choices Avoids Depression

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One of our favorite thought leaders is in the news again. We wrote about her in an article entitled The Fewer The Better and Sheena Iyengar, an associate professor of management at Columbia University’s business school, was talking about ‘choice overload‘. The crux of the matter is that too many options will either paralyse the chooser or may mean an unsatisfactory choice is made to get out of the choice dilemma.

Now she is back in the news again with her new book, The Art Of Choosing. Particularly for seniors one of her findings is of interest. That is that no choice at all can lead to depression.


As Iyengar makes clear in a page-turning narrative that blends academic rigor with a pop culture sensibility, belief in the power of choice and a strong desire to expand choices has long been part of the American Dream. “[T]he power of choice is so great,’’ she writes, “that it becomes not merely a means to an end [i.e., reaching the best decision] but something intrinsically valuable and necessary.’’

She cites a fascinating British study that found that employees who feel less control over their work have higher levels of stress. The ability to make choices about our work and life seems to be an essential part of psychological well-being. People who perceive themselves as lacking control “are at a higher risk for depression than those who believe they have control,’’ writes Iyengar of the devastating impact of losing control over our lives.

Some advice written for lawyers as it happens may well help in such situations. Prevent Depression By Learning To Be A Satisficer Instead Of A Maximizer. That advice comes from another writer on choosing and choices. Barry Schwartz, the Dorwin Cartwright Professor at Swarthmore College, has written a marvelous book titled The Paradox of Choice: Why More is Less, which provides one solid strategy. He suggests that being a satisficer will protect you against depression while being a maximizer will increase your vulnerability to depression.

If you always yearn for the impossible dream then as Dr. Martin Seligman suggested you may find that your depression results from learned helplessness. A person who suffers from learned helplessness has formed the belief that nothing he does can overcome the challenging circumstances he faces in life or reverse the set backs that life has imposed on him. Working within the choices you have and selecting something that works for you is the very best way to avoid locking in depression.

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More Older Canadians Create More Business Opportunities

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That Statistics Canada Report may give the federal government budgeting problems but as usual, change always brings opportunities. This is particularly true if you consider the new business opportunities that this change in demographics spawns.

Seniors now are healthier and appreciate their independence. That creates a demand for housing in which they can live safely and in comfort. Many of them are active in sports and volunteer activities and this again can create new opportunities for products and services they may require.

Without being too macabre, there was a sting in the tail of that report about the Statistics Canada findings.

In 2007, 235,217 people died in Canada, up 3.1 per cent from 2006. That’s the largest increase since 1993, but it continues a long upward trend that results from a growing and aging population.

“The aging of the Canadian population is the main contributor to the increasing trend in the number of deaths,” the report’s authors write. “From 1982 to 2007, the proportion of people aged 65 and older increased by 38.5 per cent.”

That suggests a bullish trend in the casket industry. That may well put a smile on those lugubrious faces we are so accustomed to seeing in funeral homes. Perhaps we should not have been surprised to see that other announcement that Wal-Mart is now selling caskets.

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