Miki Malik

You can reverse your age.

Updated on September 24th, 2022

What is your age? Whenever you talk about your age, you are referring to the chronological age which is the number of years you have lived since birth. But is it your actual or real age? Has your body aged as per your chronological age or is it younger or older than your age? Ask this question from a number of  people who do not know your exact age “How old do you think I am ?” The figure you get may be different from your chronological age.  People will estimate your age by your looks, health and your energy levels as perceived by them.      Now ask yourself as to how healthy and energetic you feel? Do you feel as energetic and healthy as you were when you were ten years younger or do you always feel tired and feel that the age has caught up with you?  Answer to these questions will give you a rough indication of your biological age (also known as physiological age or real age of your body). Putting it all together, if your looks, energy levels and state of your physical, emotional and mental health is better than that of an average person of your age, then your biological age is less than your chronological age. Lower Biological age is a good sign and a fact to be proud of.

Your chronological age which is just the number of years you have existed after your birth. It will continue to increase at a set rate with time. On the other hand, biological age is calculated on the basis of your physical, emotional and mental state. Biological age gives your real age or true age of your body. It is quite possible that an individual with a chronological age of 60 may have a biological age of 40 years and a person with chronological age of 40 years may have a biological age of  60.   

For healthy ageing and longevity, what is more important is your biological age or body age rather than your chronological age. In fact your biological age is more closely tied to the risk of age-related diseases than your chronological age.

While have no control over your chronological age, you can always take certain steps to reduce or reverse your Biological age. You can have a body of 30 years in a 50 yr old person. It is ideal to start the the process of checking and controlling your biological age while you are young but if you have missed the boat, the good news is that it is never too late. You can start at any age and reverse your biological age to the extent possible.

How do you determine your Biological age? There are several ways that you can determine your biological age, but none are absolutely definitive or accurate. However, these methods do give you a fair idea of your body age. 

Know your Biological Age

One such real age calculator  is Health Age Calculator which calculates your Biological Age taking your personal inputs on your heart health, medical, nutrition, psychological aspects and security. 

You can calculate your biological age by giving inputs in the calculator below starting from Personal aspects:

Know Your Real Age

The Biological or Real age that you get from the calculators may be lower or higher than your chronological age. If it is lower, it is a matter of satisfaction. If it is higher, it is a wake up call for you. The good part is that there are health factors that would reverse your biological age and give you years back on your average life expectancy.

Why do we Age?

You may not realize that your body actually replaces itself, cell by cell, every seven to fifteen years. The old cells die and new ones are formed through the process of division. 

The nucleus of every cell contains Chromosomes which have protective endings known as Telomeres. Every time that a cell divides, a small telomere part falls off from end of the chromosome resulting in shortening of Telomeres. Over a period of time, telomeres gradually get shorter and shorter. This is what causes ageing and increasing of Biological age.

How can you reduce your Biological age?

Fortunately, there are certain life style and environmental changes through which we can lengthen our telomeres and reverse our Biological age.

To reduce your biological age, you need to address all the factors affecting the biological age.

Primarily there are three sets of factors which determine your biological age. These are genes, Life style and Environment. You inherit your genes, so you have no control over them. It is estimated that your genes contribute to nearly 30% towards your ageing. The balance 70% is controlled by your Life style, habits and environmental factors. Therefore it is important to control this 70% if you want to reverse your biological age.

Working Out/Exercise

To negate the effects of ageing and reversing the trend, physical exercise and workout is the most important factor.

New research has confirmed the power of lifelong exercise in keeping our muscles healthy at all ages.

-Exercise speeds up your metabolism and help you lose weight.

-It helps in building muscle and bone mass.

-It improves both heart and lung function and increases your energy levels.

-It helps preventing diseases and illness.

-It has a positive impact on stress levels by boosting the level of endorphins in your body.

-It improves your brain health and reduces the risk of cognitive decline.

-It gives you relaxation and improves the quality of your sleep.

-Exercise not only makes you feel younger and improves overall health and longevity. 

How Much of Exercise must be undertaken would depend on one’s age, physical state and capacity. If you have not exercised at all for a long period of time, it is recommended to consult a physician before undertaking and deciding any exercise routine.

Aerobic activity is  moderate intensity exercise such as walking or jogging, swimming or cycling may be undertaken to get the heart pumping. These exercises build up endurance, improve lung and heart health, stamina and  benefit the circulatory system. 

Strength training must be undertaken to help build muscle and bone density. It would also improve the functional fitness. Older adults should start with the exercises using their own bodyweight like Squats, Push-ups, Step-ups etc and build up on it subsequently.

Stretching keeps the body mobile and flexible and helps in continuing doing everyday tasks with ease. Yoga is a very safe and useful stretching exercise which is ideal for fifty plus.

Duration. For all 50 plus, at least 150 minutes of aerobic activity, strength training and stretching exercises every week is recommended.  They may alternate between aerobic and strength exercises, working up to at least 30 minutes of exercise, five days each week.

Nutrition

-Nutrition is another important factor to control and reverse ageing process.

-Nutrition is crucial for the body. Ensure that at Fifty plus, you consume more Proteins, Vitamin B12, B6, Calcium, Folate and Vitamin D to slow muscle loss, keeping the bones strong and to slow cognitive decline.

 -Pack as much nutrition into each meal as possible by concentrating on the foods rich in Essential Vitamins and  Minerals

-A Wholesome Breakfast can be a good way to start the day to get the essential vitamins and minerals and required amount of fibre. As a fifty plus, never miss your Breakfast.

-Consume foods rich in Omega 3 fatty acids. Omega 3s are important for reducing inflammation wherever it comes up.

-Essential fats are also for hormone production. Healthy fat source could include avocado, olive oil, peanut butter or fish oils. 

-Aim for five servings of fruits & vegetables each day. These are packed with important nutrients to help you stay healthy.

-Include adequate quantity of fibre in your diet and always stay hydrated.

-Include Super Foods  in your diet which can give you better nutrition with less calories.

Intermittent fasting and reducing the caloric intake by 20 to 30% while maintaining intake of essential nutrients, is confirmed to be a sure means to extend life span. 

Emotional State and stress levels

-Some stress is unavoidable and makes us keep going. However, excessive stress places strain on our immune system, interferes with our hormones and slows our metabolic rate.

-Learn techniques for stress reduction and management, such as yoga, meditation or deep breathing. Develop a  positive mindset. A positive mindset can have a beneficial effect on your longevity.

-Most people feel younger or older than they really are – and this ‘subjective age’ has a big effect on their physical and mental health. so never say ‘I am ageing’

Modify you Habits/Improve your Environment

If you smoke, quit smoking immediately.

If you drink, cut down to one drink  a day.

Practice a good sleep routine by turning off all lights & screens and getting in bed 30 min before sleep time. Sleep at least 7 to 8 hrs every day.

Maintain a good balance between work and hobbies/pastimes.

Always stay calm and manage your stress through meditation and deep breathing.

Always think positive as positive mindset improves longevity.

Maintain a good relationships with your family, friends and near and dear ones.

Move more. Exercise through activities you enjoy.

Get regular medical check ups.

Try and achieve ideal weight. Always watch what you eat.

Build social connections.

Always learn something new to keep your brain healthy.

Guard against all type of pollution including radiation pollution from mobiles, TVs, computers etc.

You can reverse your age. Read More »

MANAGING RETIREMENT CORPUS & EXPENDITURE

Updated on September 27th, 2022

We all have a comprehensive savings and investment plan but what about having a viable expenditure plan  to enjoy the fruits of your savings and investment to the maximum. How much should you leave behind when you die? Is it wise to leave behind a huge estate and funds portfolio when you depart from this world. You have many financial consultants who would advise you how to multiply your savings and investment. But how many professional consultants you have who, after taking into account your longevity, health state, your insurance covers, your net worth and your life style would advise you on how much you can spend to enjoy your life rather than depart leaving the unused wealth to your children who themselves are independent and well to do.

The cost of living and expenditure pattern of people who have retired varies from country to country and culture to culture. For example, in a country like USA, under normal circumstances, to live a comfortable retired life, you need a minimum of $ 3500 per month, whereas in a country like India you can live a comfortable life with $ 1350 (Rs 1 Lakh) per month. You can even live a comfortable life with a lesser amount in India if you cut down on your luxuries.

In India, at the age of 75 when Thomas departed from this world due to a sudden heart attack, he had left behind a net worth of Rs 750 Lakh ($ 1 million). Looking back in his life, he had maintained a frugal life style, at times even sacrificing his entertainments for the sake of saving money for future.

Retirement Corpus & Expenditure

Most retirees have made their money through hard work, savings and investments. The main goal after retirement is not to grow your nest egg, but to preserve it and live off the proceeds. This gives rise to the question as up to what age one should continue to save and keep adding to his corpus even after retirement for an uncertain future. What should be the ideal age after retirement to start withdrawing your assets systematically and start using them to improve your quality of life so that you can enjoy your entire lifetime savings on yourself. Ideally, when one departs from this world, he must leave behind money just adequate to meet his liabilities and funeral expenses. But it is easier said than done.

This calls for an optimum withdrawal plan to use your corpus which you have accumulated in your entire life. The withdrawal plan needs to be an important part of comprehensive Personal Financial Planning for all Retirees.

Sources of funds for Retirees

Retirement Corpus (Comprising of Gratuity, Provident Fund, investments and accumulated savings)

Pension (if retired from a pensionable job)

Social Security (Varies from country to country)

Rental income, if any

Most of the retirees who retire from corporate or private sector have only their retirement corpus to live on.

Withdrawal Options

Now coming to optimum withdrawal plan from your retirement corpus, there is  famous 4% Rule which was advocated by financial planner William P. Bengen  in  1994. His study found that you could withdraw 4% of your retirement nest egg and adjust for inflation each year and your money should be able to last you over thirty years. It was based on the calculation that a portfolio consisting of 60 percent stocks and 40 percent bonds could expect an average compounded return of 8.2 percent. The “real” return, adjusted for inflation, would be almost 5.1 percent. You may go through ‘Insights on Using the 4% Withdrawal Rule From Its Creator’.

Applicability of 4% Rule to various Countries

The results of this study are, by and large, still applicable to country like US. However, For a country like India, which has an inflation rate nearly  6%, this rule needs be applied with caution. Presuming that a retiree has 50% of his investments in safe instruments like Bank Fixed Deposits and 50% in Mutual Funds/Equity, he can expect a safe average compounded rate of return of nearly 8.5 % in the long run. This Rate of Return has been calculated assuming that safe instruments fetch 7% and Mutual Funds give a return of 10% pa making the average to 8.5% pa. With the inflation rate being nearly 6% in India, the safe annual withdrawal rate in India works out to be 2.5% . This will keep the value of the corpus intact after making adjustments for inflation. The corpus would continue to grow proportionate to the rate of inflation, indefinitely, leaving your real value intact. 

Withdrawal Rate 2.5%

Conversion rate: 1$= ₹75 (INR)

Let us take an example from India where an individual retires at age of 60 with a corpus of Rs. 100 Lakh ($133,333). As per WHO data of 2018, the life expectancy in India is 68.8 (67.4 for males and 70.3 for females). Granting the maximum to this retiree with his good health and better lifestyle, let us assume that his life expectancy is 80 yrs. This means that a retiree has nearly 20 more years to live. If a retiree withdraws 2.5% of his entire portfolio every year, in the first year of his retirement he gets 2.5 Lakh ($3,333) pa or Rs. 20,833 per month increasing every year adjusted to inflation. In the 70th year of his life, his 2.5% withdrawal would amount to 4.5 Lakh ($6000) or Rs. 37,500 per month and in 80th year of his life, it would be Rs. 8 Lakh ($10,666) or Rs. 66,666 per month. His inflation adjusted corpus  in the 80th year would be Rs 340 Lakh ($453333).  Even if he lives beyond 80, it does not matter, he still can continue to withdraw 2.5% every year  indefinitely till he lives while keeping his corpus intact. The real value of his corpus would remain 100% after making adjustments for inflation. The table below makes it clear.

Effect of 2.5% Withdrawal on Corpus (Rs in Lakh)

Conversion rate: 1$= ₹75 (INR)

Note: All calculations in all the tables are based on Rate of Return of 8.5% and average inflation rate of 6%. Conversion rate: (1$= ₹75)

Age in YearsStarting
Corpus
Annual Withdrawal
(2.5%)
Ending Corpus RoI =
(8.5-2.5%)
60100.02.5106.0
65133.83.3141.9
70179.14.5189.8
75239.76.0254.0
80320.78.0340.0
85429.210.7454.9
90574.314.4608.8
95768.619.2814.7
1001028.625.71090.3

So, does it not make sense to withdraw a higher percentage of your corpus, if you need it for improving your quality of life and enjoy your life to the maximum? Is it necessary to leave your 100% corpus intact even after you are 80 or so, or should you withdraw more and leave your inflation adjusted corpus at a reasonable value, say 80% when you die? Let us say that our retiree, at the age 60 now  decides to withdraws 3.5% of his corpus every year. His annual withdrawals and residual corpus every five years are shown in the following table.

Withdrawal Rate 3.5%

Conversion rate: 1$= ₹75 (INR)

This would give him Rs. 3.5 Lakh ($4666) or Rs. 29,166 per month in the first year and Rs. 9.3 Lakh($12,400) or Rs.77500 per month in the 80th year. The effect on the corpus would be that at the end of 80th year if he dies, he will still leave behind a corpus of Rs. 278 Lakh ($370666). If he survives beyond 80, his 3.5% withdrawal rate with still fetch him Rs 15 Lakh ($20,000) at age 90 or Rs. 125,000 per month and 24.6 Lakh ($32,800)or Rs. 205000 per month at age 100 with a residual corpus of 453 Lakhs ($604000) and 739 Lakh ($985333) respectively. However, as we are not fully compensating for 6% inflation, the real value of your corpus at 80 yrs would be 82% and at 90 yrs it would be 74.5%. The table below makes it clear.

Effect of 3.5% Withdrawal on Corpus (Rs in Lakh)

Conversion rate: 1$= ₹75 (INR)

Age in YearsStarting
Corpus
Annual Withdrawal
(3.5%)
Ending Corpus RoI=
(8.5%-3.5%)
60100.03.5105.0
65127.64.5134.0
70162.95.7171.0
75207.97.3218.3
80265.39.3278.6
85338.611.9355.6
90432.215.1453.8
95551.619.3579.2
100704.024.6739.2

Withdrawal Rate 5%

Conversion rate: 1$= ₹75 (INR)

Let us assume that our retiree decides to withdraw 5% of retirement corpus every year. This would give him Rs. 5 Lakh ($6666) or Rs. 41,666 per month in the first year and Rs. 10 Lakh ($13,333)or Rs. 83,333 per month in the 80th year. At the end of 80th year if he dies, he will still leave behind a corpus of Rs. 206 Lakh ($274666). If he survives beyond 80, his 5% withdrawal rate with still fetch him Rs 14 Lakh ($18666) at age 90 and 20 Lakh ($26,666) at age 100 with a residual corpus of 291 Lakhs ($388000) and 410 Lakh ($546666) respectively. However, due to inflation the real value of your corpus at 80 yrs would be 60% and at 90 yrs would be 48% of inflation adjusted value. If all his insurances are in place, he can exercise this option. In all probability, you will not outlive your corpus. Assuming that you may need more money in your 80s and 90s on elderly care bills, this withdrawal rate may be exercised with caution.

Effect of 5% Withdrawal on Corpus (Rs in Lakh)


Age in Years

Starting
Corpus

Annual Withdrawal
(5%)

Closing
Corpus Addition RoI=
(8.5%-5%)
60100.05.0103.5
65118.85.9122.9
70141.17.1146.0
75167.58.4173.4
80199.09.9205.9
85236.311.8244.6
90280.714.0290.5
95333.416.7345.0
100395.919.8409.8

Optimum Withdrawal Plan

Conversion rate: 1$= ₹75 (INR)

So depending upon your income flow and your requirements for living a good quality life, one need not hesitate to withdraw between 2.5 to 3.5% of retirement corpus from the first year of your retirement itself. This will not affect your corpus adversely. While at 2.5% withdrawal your corpus will retain its real value through out your life, at 3.5%, its real value will drop to 82% at the age of 80 yrs which is acceptable. If the rate of return goes beyond 8.5% or the rate of inflation goes less than 6%, you will have more money in your corpus than calculated. However, the reverse can also be true. Although, the historical data has been considered for calculating average long term returns and rate of inflation, the returns on mutual Funds/equity may vary. Accordingly, variations may be made in your withdrawal rates, if necessary.

Some Examples:

Mr A retired with a pension of Rs 7 Lakh pa and a retirement corpus of Rs. 75 lakhs and a savings of Rs 25 Lakhs in his provident fund. He has no other source of income. His annual expenditure comes to 10 Lakh. Withdrawal from his corpus of Rs 1 Cr at the rate of 2.5% (safe withdrawal)  gives him 2.5 Lakh pa or Rs. 20,333 per month in the first year of his retirement. Thus his total annual disposable income with him would be Rs 9.5 Lakh which is 0.5 Lakh short of his expenditure requirement. To make good his monthly expenditure he may increase his withdrawals to 3% which will give him 3 Lakh pa or Rs. 25,000 per month in the first year, thus meeting his needs of annual expenditure.

Mr B retired from private sector with a retirement corpus of Rs 200 Lakh. He has no additional income and savings. To live a decent life, he should not hesitate to withdraw 3.5% per annum which will give hm a reasonable income stream of 7 Lakh pa, which works out to nearly Rs 58000 per month.

Mr C retired with a pension of Rs 60000, corpus of 150 Lakh and a rental income of Rs 40,000 pm. His net annual expenditure requirement is Rs 15 Lakh or Rs. 1,25,000 per month . His annual income stream from pension and rent works out to be 12 Lakh or Rs. 100,000 per month . He needs only 3 L more or Rs. 25,000 per month to meet his expenditure. He can easily withdraw 2.5% every year which will give him a value of Rs 3.75 Lakh in the first year of retirement or Rs. 31,250 per month and going up every year to adjust to inflation.

Do not hesitate to Withdraw to live better

Thus to conclude, a retiree should withdraw up to 3.5% of his corpus without any fear of running out of his money in his entire life. If he elects not to withdraw any money at all, he is going to leave behind a hefty sum to his heirs. In the examples given above, let us assume that our retiree with a corpus of Rs 100 lakh does not withdraw any money from his corpus. At the end of 100 years of his life, he will have a sum of Rs 1116 Lakh (11.16 times of his original corpus. If he is very well off and can live a luxurious life without withdrawals, leaving behind this large chunk of corpus can be understood. However, if he has been living a frugal life to make good his living within the available cash flow, not withdrawing to improve the quality of his life does not stand to reason. So spend your hard earned income for improving the quality of your life and enjoying your life to the maximum.

Some Useful Thumb Rules

MANAGING RETIREMENT CORPUS & EXPENDITURE Read More »

SENIORS NEED TO GUARD AGAINST ONLINE FRAUDS?

Updated on October 20th, 2022

Today, smartphones and tablets have almost replaced computers.  Seniors use smart phones not only for communicating and social networking but also for financial transactions. Be it online banking, online shopping, payment of bills, recharging of cell phones or any other financial transaction, smart phone has become the first choice. Have you ever realised as to how vulnerable you are while using your smart phones, tablets and computers online? 

Seniors are easy prey for online Fraudsters

Seniors are disproportionately targeted as victims for fraud. Taking an example from USA, it has been found that while only 35% of the American population is over 50 yrs of age, fraud victims over 50 accounted for 57% of all frauds. The story is no different in other countries as  Internet usage by 50 plus has increased substantially everywhere.

In the last 2 years during the Covid-19 period, there has been a significant increase in online shopping and transactions resulting in more people becoming victims of online fraud. 

Recent Online Fraud Incidents

The lure of dating a young woman proved too tempting for a 65-year-old Mumbai resident, who lost $60,000 (Rs 46 lakh) to a website that claimed to get him in touch with one.

A senior citizen doctor lost nearly $ 12000 (Rs 9 lakh) within an hour after a fraudster posing as the customer care executive of a power distribution company convinced him to download a remote access app on his phone and sent him a link to pay his pending bills.

In Apr 22, 2022, a retired engineer was allegedly duped of $12000(Rs 9 lakh) by a fake call centre on the pretext of giving him a job with a handsome  salary.

In Mar 22, 2022, a student from IIT-Bombay lost her savings of $6200 (Rs 4.6 lakh) when she was tempted to click on a link that lured her to earn $150 every day by completing a task of Work from Home (WFH).

Another senior citizen was duped of $ 1100 (Rs 80,000), by an online fraudster posing as a helicopter service operator.

Jacob got a email ‘Your IT refund has been processed. Pl press the link below to verify your details and receive the refund’. However, the link led him to a  phishing site where he was asked to provide pan number, unique ID number and  banking details but he never received the refund.

While on social networking site, Naresh got a pop up “See who’s viewed your profile”. Click to download. On clicking the link, what Naresh unknowingly did was to hand over access of his Facebook account, including his personal details to the hacker.

Nancy got a email ‘You have  received a Greeting Card (e-card) from a friend. Please click the Link to view the card’. Once she clicked the link, the malware was automatically downloaded and installed on her system.

 ‘Earn money from home’ is the email messages which promises regular income. In return for providing your account details to receive the payments, you install a program and become a victim of click fraud in which your clicks on ads generates per-click revenue for the spammers.

Thomas got  a message from a bank ‘you are being offered a credit card but that you just need to pay some processing fees.’ The amount was quite small and so he paid it least realising that the online fraudsters was looking for bank account info than the money itself.

Recently, a message was being circulated “Adidas is offering 2,500 free pairs of track suits in celebration of its anniversary. You are lucky to be shortlisted. Please answer the questions below and claim your  free gift.” You are then taken to a genuine looking fraudulent web site.

Vikram who was very active on social networking and dating sites was lured into not only sharing intimate photos and videos but was also prompted by his female contact  on a video chat to perform explicit acts which were secretly recorded. He was then asked to pay a fee to prevent the photos or videos from being released. 

Mr Sharma, a 62 yrs old retiree got a call from Bank, ‘Today is the last day for linking your bank account with your Unique ID number (Aadhaar) and that you will not be able to use your bank account if you do not do it within next four hours.’ On his request, the bank employee agreed to help him do it online provided he gave him all the details including the OTP that he receives. Unsuspectingly, Mr Sharma gave him all the details and to his surprise he discovered that a huge amount of money had been transferred from his account to an unknown account.

Improve awareness on Online Fraud Methods

“Pop-up Windows”  appearing to be from a legitimate source are often used to advertise expensive gadgets for free if the person provides his/her personal details. This is a phishing scam where the hacker is trying to engage in identity theft or install a malicious software on the user’s device.

A common occurrence you might have already seen are popup window which warn you that your device is infected with virus. Click to download free anti-virus software. However, when you follow the prompt, you could end up with malware instead. 

Many online pharmacies have cropped up to offer drugs and other healthcare at lower than average prices. Many of them have been found to be selling counterfeit, expired and diluted drugs.

Android phones are more vulnerable than the ones using iOS and windows. Android also is the most widely used OS. As a result nearly 98% of mobile banking attacks target Android devices

Malicious codes can remotely turn on microphones and camera  in Android phones  for taking pictures and listening to the conversations in the vicinity of the phone. Always be alert and do not click on any suspicious links received in email or text messages.

OTPs mostly appear as pop-up notifications on mobile phones. These pop-up messages are clearly visible, even if the mobile phone is locked. As these OTPs are send as SMS, many apps can read SMS messages.

Go through the list of online scams used by cyber criminals. Here are the Top Online Scams You Need to Avoid Today.

How to Prevent Online Frauds

DOs

If you are online and want to be sure that a site is genuine before you give any personal details, check that the website address has an https:// prefix. Phishing fake sites generally just start with the usual http:// and that missing “s” is a warning sign for you. From July 2019 onwards, Chrome is likely to mark all http:// sites as non-secure.

Make at least two separate e-mail accounts. One for financial transactions and for registering on social networking sites.

If not required, deactivate various features of credit /debit cards, viz., online transactions both for domestic and international transactions. Near Field Communication (NFC) feature should be deactivated, if the card is not to be used. Activate them only when the card usage is required.

Change all your Passwords at regular intervals

All cardholders  must sign up for SMS/email alerts with their bank/institution.

While using the credit/debit card, you must carefully check the amount displayed on the POS machine/ NFC reader. 

Cover the keypad with your other hand while entering the PIN at a POS site / ATM. 

Whenever you receive a message promising big benefit and asks for money, consider it to be a scam. 

Ignore emails and communication that create a sense of urgency such as a problem with your bank account or taxes.

Always  log out of apps and websites when you are done using them. Leaving them open on your computer or smart phone could make them vulnerable to security and privacy risks.

Check with your bankers immediately when you receive a call for personal details from a person claiming to be an employee of that bank. No bank asks for personal details through call or email.

While downloading applications, you should stick to the Apple, Google Play, or Microsoft stores, rather than third-party app stores. Always read the reviews, even in the official stores, to make sure you’re not adding anything suspicious to your device.

Be careful when choosing and installing apps. Do a little research before installing them. Check what permissions the app requires. If the permissions requested seem unreasonable, do not install the app. It could be a Trojan horse, carrying malicious code in the guise of an app.

Critically check your security and privacy settings on your social networking sites (Facebook, Twitter, YouTube, etc.). Be careful of what information you post online and who all can see it. Why should everyone have access to your contact number, email address, date of birth and other personal information? Pl review.

Disable Bluetooth, infrared and Wi-Fi in public places when not in use. Criminals can easily exploit vulnerabilities in software that use these interfaces.

To avoid remembering different passwords, we generally resort to keeping one or two standard passwords for all sites which normally contain our personal details. Always have a very strong password. A password should be at least 12 letters  long or could even be a phrase and should not be predictable. Change your password periodically.

Have a password feature that locks your device until the correct PIN or password is entered. Enable this feature, and choose a reasonably strong password.

Be very careful about the ATM scams. The scammers use a device known as Skimmer which is often placed over the card swipe mechanism on. In addition, they place a small, undetectable camera nearby to record you entering your PIN. To prevent skimming frauds, Cover those keys. Keep your eyes open; visually inspect ATM machines before using them.

Be certain to make sure websites are secure when making online purchases, etc. A large amount of counterfeit products are being sold on line. When ordering from Amazon, eBay, or any other online site, always check the buyer’s ratings and reviews.

Always keep your computer current with the latest patches and updates. Make sure your phone is receiving the latest security updates.

Periodically run a reliable anti-virus program. In case your suspect that your device still has a virus, you can save your important data and perform a factory reset, which will wipe the virus from the device.

Avoid Storing debit/credit card details on the mobile and avoid using public WI-Fi for online transaction. Public WI-FI may be un-encrypted or may be a fake access point created by a hacker in the name of public WI-FI.

For privacy in browsing, use Private mode or incognito mode (in chrome) as it helps you to browse the web without storing any of your browsing history. Though not 100% secure, it gives you a fair degree of privacy.

DON’Ts

Don’t give your financial information to an individual or business you don’t know. Sometimes scammers’ calls and claim to be from Government agency asking your personal information as it require to be updated. 

Avoid calls asking for charity and donation for victims, as it may target to steal your credit card information.

Never provide details or copy of PAN Card, Aadhaar, Voter Card, Driving License, Address Proof etc. to unknown person/ organization.

Do not open /reply to Links giving any luring offer. They may compromise your personal and financial details.

Beware and never download any app on request or instruction of any unknown person to  give them remote access of your device. 

Never let the merchant take the card away from your sight for swiping while making a transaction. 

Whenever someone asks you for usernames and passwords or OTP or PIN, consider it a scam.

Never share banking details with anyone including credit and debit card number, CVV, PIN, Internet Banking User ID, OTP & Internet Banking Password. 

Never click on the links sent in dubious emails or text messages. Such links are likely to lead you to undesirable sites or prompt to download a malicious code in the guise of some useful app.

On Whatsapp, do not forward messages with links which ask you to share it with more people. Those links are likely to contain embedded malware or may lead to malware-loaded websites.

SENIORS NEED TO GUARD AGAINST ONLINE FRAUDS? Read More »

आप कुछ भी नया सीखने के लिए कभी भी बूढ़े नहीं होते

YOU ARE NEVER TOO OLD TO LEARN

Updated on September 21st, 2022

Mr Antony had been waiting for his retirement to follow his passion  which he somehow could not pursue during his academic years. He had always wanted to do a doctorate in Psychology and be addressed as a Doctor along with his name, but his preoccupation with his work never left him any time to pursue it. Now, he had all the time to himself. He enrolled himself in a university which not only welcomed him but also gave him a senior citizen discount on the fees.

Mr Fernando, had lost out in his career as he did not have a MBA degree. When he reached 48 and started thinking about his retirement, he realised his mistake.  When he came to know about an online MBA course which only required nearly 20 hours a week of online study, he grabbed the opportunity and completed his MBA well before the laid down deadline for the course. When he reached his 50, with his upgraded qualification, he got an offer for a more responsible position in a new company with a raise of nearly 20 percent.

Mr Prasad had always wanted to learn French language as his son was settled there. However, he never could get adequate time to  pursue a full fledged  language course in French. Two months after retirement,  he took up a regular French language course for a duration of six months. Now, whenever he goes to France to look up his son, he feels at home as language is no longer a barrier. Earlier, he used to have a great difficulty as not many people converse in English in France.

Your are never too Old to Learn and there is no Upper Age Limit for Learning

Age is only numbers and it does not lay down limits on what you can and what you cannot. There are a large number of examples where individuals have achieved remarkable feats at an age which is well beyond the retirement age:

Fauja Singh began running seriously at the age of 89.

Grandma Moses began painting at the age of 78.

Colonel Sanders was 65 years old when  with his chicken recipe, he started Kentucky Fried Chicken

Socrates, one of world’s greatest philosophers, understood he could still learn and started on music in his 60s. 

At age 95, Nola Ochs, an American woman, became the oldest college graduate when she received a bachelor’s degree in 2007. She didn’t stop there ­– she went on to pursue a Master’s degree as well.

It is never too late to learn anything new and you are never too old to do it. Everyone has dreams in his life, but not everyone is able to live his/her dreams due to various pressing constraints and unfavourable circumstances. You may not have got the course of your choice as a student or may not have had the choice of the profession or activities you loved during your working life. However, whatever age you may be at, you will always  have time in this life to make good some of  your unfulfilled dreams. It’s never too late to follow your dreams, and there’s no time like the present to start . You are never too old to set new goals. Therefore, use the lessons learnt from the past, concentrate on the present and focus on the future to make your dreams come true.

“Anyone who stops learning is old, whether at 20 or eighty. Anyone who keeps learning stays young. The greatest thing in life is to keep your mind young.”Henry Ford

You are never too old to pick up a new skill for starting a new venture. It is never too late to undertake a course of your liking for improving your knowledge or for pursuing your hobbies or interest. When you have chosen a course which you want to do rather than being told to do, you are much more likely to do well and succeed.

Retirement : Best Time to Learn

-Retirement is the best time in your life as it gives you unlimited time to do whatever you want. It is easy to while away this time by sleeping late, watching TV, doing household chores or playing with your grandchildren. These activities may keep you busy but will not give you a sense of fulfilment.

-There are a large number of activities which add value to your life like learning a new language, musical instrument, starting a new venture or doing something worthwhile which contributes to the community. Pursuing these activities will give a new meaning and purpose to your life. Before departing from this world, you want to leave a mark, create a memory or make as many people happy as possible.

Why is Learning Something New becomes Relevant as You Age?

-Learning builds your brainpower and extends your life. Every time you learn something, your brain grows new cells.  It always keeps you young, no matter what your age is.

-Learning keeps the mind energised, and prevents you from cognitive decline as you get older. It improves your memory and helps preventing Dementia or Alzheimer’s.

-Your experience,  knowledge and wisdom will decay if not boosted by continued learning.

-Learning something new which you like, makes you feel good, lifts your self-esteem and adds excitement to your life.

-Your creativity does not diminish with age. In fact it becomes better.

Learning Courses

There is a wide variety of courses available today to choose from depending upon one’s interest and inclination. Courses in continuing education broadly fall under two categories:

Courses for improving skills in work place or for starting a new venture.

Courses to upgrade your knowledge or help you pursue your Hobbies and Leisure Activities.

The people who are still in active work force fall in the first category. Most of the retirees fall into the second category.

You can undertake these courses either through regular class room learning or distance learning. Today the digital technology has made it possible to do these courses online with the similar effect as that of class room studies. Online learning has gained popularity recently due to our increasing comfort with technology.

Why online courses are a better choice for adult learning

-Most of these courses are well structured, user friendly and easy to understand. The professionally made videos give you a near- classroom effect.

-You do not require any specific computer skills to do these courses. Working knowledge is more than adequate. You can use Desktop, Laptop, Tablet or even your Mobile phone to do these courses.

-You can do these courses in the comfort of your home at your own time

-There is no fear of any grades or peer pressure.

-If you fail in your assignments in the first attempt, you can do it again without any hangups.

-Most of the courses give a course completion certificate, diploma or degree. Some may charge for the certificate.

-You automatically become members of many discussion forums where you can contribute your views and interact with other through chatting or through video conferencing.

-You can continue with them even while you are on vacation or travelling.

-There is no real pressure of time as most of these courses are paced comfortably. In case you lag behind, You can re-enrol from where you left in the next batch.

– Free online courses do not put any financial burden on you. This gives you a flexibility in leaving a course mid-way and taking another one if you feel it is not to your liking.

Where to find these courses?

There are a large number of Universities and Institutions offering online courses, many of them which are free. These courses range from subjects involving serious academic studies to hobbies and leisure activities. You can always find a subject suiting your interest and liking. Some courses are so general like course on ‘Happiness’, ‘Food and Wine’,   ‘Nutrition’, ‘Stress Management’, ‘Ageing and Longevity’ etc  that they will suit everybody.

A long list of all the Universities and Institutions offering online free courses would appear once you search the web. I have listed a few popular sites offering online courses. You may click on the site names for getting more details. You may explore other sites (ones not listed) as well if you do not find a course that you are looking for.

Coursera, an education aggregation platform that teams with universities worldwide to offer thousands of free online courses. It offers an impressive number of courses on a wide variety of  topics. Presently, nearly 10 percent of students are in the 60 plus age group.

EdX, the nonprofit online course site started by Harvard University and the Massachusetts Institute of Technology, with some other universities also joining in.

ALISON has a large range of free courses on financial literacy, personal and soft skills, digital skills and entrepreneurship.

Udemy offers a number of courses in tech, business, marketing, productivity, health, hobbies and lifestyle. Considered good  for people who want to improve their business, marketing, and creative skills.

Skillshare provides short courses to learners who only limited time at their disposal. It has over 500 free classes and several thousand paid classes in topics such as film, writing, tech, lifestyle, and more.

FutureLearn  offers completely free courses in business and management, creative arts, law, health, politics, science, digital skills, sports and leisure, and teaching. It is good for those who want the most flexibility in a learning platform.

Free code camp offers  free courses on  computers, internet technology, and data analysis. Lessons primarily cover coding and computer science.

Khan Academy is a non-profit site that offers education on hundreds of topics. It includes written and video lessons as well as practice exercises. Students, teachers, and parents can all sign up to Khan Academy to gain access to free online material suitable for school students.

Udacity focuses on software development, offering free courses in programming, data science, and web development. Good for individuals who want to learn about technologies like AI and robotics.

So, don’t hesitate to experiment with online courses. Take up a short course on a general interest subject  for a trial. I have myself completed 14 courses online after my retirement. I am sure, as in my case, it will open up your mind and generate a chain of new ideas.

 

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LEARNING TO MEDITATE

Updated on September 25th, 2022

I have been hearing about Meditation since my College days. The only thing that I knew about it at that time was that one has to sit in silence and focus on something. But I had no idea as to what it actually meant. Over   period of time,  the hype about meditation increased. A number of web sites came up, giving methods and techniques of meditation. Some even introduced free lessons including guided meditation sessions. 

When I was in my thirties, I decided to go deeper to understand what meditation was all about

What is Meditation

Meditation is the practice of tocusing one’s mind tfor a period of time.  In meditation, we train our mind to focus in spite of distracting thoughts.  As we do not attach any emotions or attention to these passing thoughts, our brain get relieved and we can use that same strength and energy in our daily life. The principle in meditation is that in this process, your body becomes still and and feels light. As a result you feel calm and your capacity to concentrate and do your work increases. You become more patient, focussed and   positive about yourself. 

Two Methods of Meditation

After going through the variety of methods and techniques advocated on net and in some books on meditation, I realised that broadly, there are two methods of meditation. 

Meditation in which you focus your attention on any internal or external object.

-This is known as concentration meditation. The object of focus may be the breath, a mantra, part of the body, candle flame or any other object. Some examples of this type of meditation are Loving Kindness Meditation, Chakra Meditation, Kundalini Meditation, Sound Meditation, Mantra Meditation,  Pranayama and some more. 

Meditation in which you do not focus your attention on anything.

In this you keep our attention open and monitor all aspects of our experience in the present, without making any judgment or attachment. Examples are Mindfulness meditation and Vipassana. Vipassana, in fact, is a combination of both.

My Experience with Meditation

After carrying out a detailed theoretical study  on internet and by reading some books, I attempted doing meditation a number of times on my own, but was not able to concentrate. In fact mind became more active with stray thoughts when I sat in silence. I was   also confused as to which technique to use to get the best effect.

My experience with Short Meditation Sessions

Therefore, I decided to learn meditation under guidance. On the first available opportunity, I joined a Guided Meditation Program. Our guide made us sit in a comfortable position with our eyes closed and made us listen to a soothing commentary in a very slow voice. He guided us to focus on our breath first and then take our attention to different parts of the body from tow to head. After the ten minutes session I felt quite good and relaxed. 

But when it came to doing it alone without the guide, even on a recorded audio, the effect was not the same. I continued doing this  meditation once a day for few months. Thereafter, my interest in meditation faded and I became erratic in doing it.

The second time I tried Meditation seriously when I was in my forties. This time, I joined a week-long Yoga program, where meditation was a part of it along with other activities. Here, there was no requirement to focus on anything but just sit silent. The thoughts will come and go. You were not to stop them, but just be aware of them without making any judgement or getting engrossed in them. I continued with this meditation at least once a day for 10 to 15 minutes everyday. I used to feel relaxed and energised.

MY Experience with Vipassana Meditation

Next, in my early fifties,  I decided to take a full ten day Vipassana Meditation retreat at one of the centres in India. Here, you are to keep total silence for 10 days and live more or less like a monk during the entire stay. The daily routine included meditation for nearly 10 to 12 hours. This was a different and difficult experience compared to the previous ones.

The first two days were really difficult for me. “I can’t sit in cross-legged position for long, please allow me to sit with a support” I requested my Guru Guide. “You have to get used to sitting in this position. You have no choice.” replied my Guru. 

At the end of the course, I was not only able to sit still in one position, but was also able to focus my mind and feel sensations in every part of the body.

I realised, Meditation is all about keeping you body and mind still. Your mind always wanders either in the past or the future. The aim is to control and tame your mind to remain in the present be aware(mindful) of what is happening in the  present. 

Since then, I have been doing meditation for at least one hour everyday.

Difference between Meditation and Mindfulness

On the internet I found words Meditation and Mindfulness were being used interchangeably. Meditation in the west was considered more as an eastern practice patronised by sages and monks. When research proved its benefits and  some medical practitioners of the west tried to prescribe it as practice for health care, they were mocked.  To make it acceptable and popular to the general populace of the west, they termed it as mindfulness,  an exercise in awareness, which means the same thing as meditation.  There is practically no difference between the two. A Mindfulness Based Stress Reduction Program (MBSR) developed in the late 1970s by Dr. Jon Kabat-Zinn, made the word Mindfulness popular and replaced the word Meditation in the west.

Benefits of Meditation

Effects of Meditation on our Brain

With my 15 years of doing meditation, I have been personally benefitted a lot.

I used to be very restless and short tempered. With the practice of meditation, I became calm and could exercise a good control over my anger. 

-Earlier, I had difficulty in sleeping. After regular practice of meditation, now I am able to sleep within 20 minutes of hitting the bed. 

My blood pressure used to be on the higher side. It became normal and the readings became very close to ideal.

I frequently used to feel stressed under pressure of work, but the practice of meditation helped me improve my focus and ability to work under stress.

 -I had difficulty in maintaining good inter-personal relationships with many. My inter-personal relationship improved with all.

I have found an improvement in my mood, feeling of happiness and general well being.

Meditation helps increase intuitive powers and helps increase creativity. It helps bring about true personal transformation.

 Apart from the benefits listed above which I personally experienced, there are a large number of benefits which have been listed in the net based on scientific research. There are a number of web sites listing them.

Useful Lessons and Tips for Beginners

In the beginning, one has a problem of concentrating which is a  common complaints by all beginners. So be patient and don’t get frustrated. With the passage of time, your concentration will improve. You will start liking it.

It is not difficult to meditate and achieve a state of tranquility with constant practice.

The method and technique of doing meditation is not very important so long as you are able to achieve a state of mindfulness. You can choose any technique or a combination suiting you. You can even experiment and make a variation, so long it helps you in achieving a state of  mindfulness.

Timings are not very sacrosanct for meditation, but early morning and late evening hours are considered to be the preferable times.

A duration of 5 to 10 minutes is adequate for meditation in the beginning, but gradually the time needs to go up till you reach 1 hr. For the people who are retired, this should not pose any problem. 

As you get used to it, you will start enjoying it and you will be able to achieve one hour quite comfortably. Even if you are not able to do it for this duration, due to constraints of time or any other reason, do it for as long as possible. The key is to do it regularly and preferably without any break. Regularity and continuity in Meditation is more important than the duration.

Doing meditation with your partner is very effective and increases the benefits. It also helps in improving understanding and bonding.

Although, the roots of the meditation may be in Buddhist teachings, there is no religion or faith attached to any form of  meditation. You need not be spiritual or religious minded to do meditation.

Over a period of time, meditation becomes a  part of your daily routine. I feel something missing if I do not do meditation on any single day.

You can even do meditation with the eyes open. Mindfulness  can be integrated into your daily life routine. You can do it at other times like walking, waiting for a bus or train, waiting in traffic or waiting to fall asleep etc.

Over a period of time, you can be in meditative state at all the times.

The ideal posture for meditation is sitting in cross legged position without any movement, but you can assume any comfortable position so long as  your back is upright. 

There is no age restriction for doing meditation. It is equally beneficial to elderly as well as youngsters.

As meditation does not require any special gear and you are required to meditate with your eyes closed, the place for meditation really does not matter. Only make sure that the place is clean, airy and is free of distractions.

 Doing meditation in lying down position in not recommended as a routine. However, you can do it as a variation once in a while. The drawback here is that you are most likely to fall asleep in the process.

You may experience different sensations during the meditation process. There may be a feeling of twitching, tickling,  shivering, sleepiness, feeling of  energy current passing through, seeing visual patterns etc. All these are normal.

No significant claims were made by the traditional spiritual Gurus on the impact of meditation on the physical healing and general health. Their emphasis was more on achieving peace of mind and higher spiritual growth. Health benefits were only considered as a byproduct. However, today, mindfulness is being advocated as a means for achieving better health and physical healing.  This is because the scientific research has proved beyond doubt that people who meditate have a better health and fewer physical problems. A healthy mind ensures a healthy body too.

Meditation is an exercise for  a healthy mind like  going to the gym and exercising is for our body.

The best thing about Meditation is that it does not cost anything and can be done anywhere at anytime.

The deep rest experienced in ten minutes of meditation is far more useful and beneficial than the extra thirty minutes of sleep.

 There are a large number of web pages on Meditation. Search the web for ‘Meditation for Beginners’ and you will come across some good sites.

So, don’t hesitate to try. You don’t lose anything. Consider the time spent on Meditation as an investment. You will reap the returns in the form of peace of mind, calmness and improved energy levels. You may start small with short sessions of 5 to 10 minutes each, once or twice a day. Try for at least one month in coninuation. Experience the difference and then take a call.

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Travel to live longer

TRAVEL TO REJUVENATE

Updated on October 1st, 2022

Travel Rejuvenates & makes Life Exciting

Mr Parker retired from his job at the age of 60 and looked forward to a peaceful retired life. He had planned his retirement well and worked out a fixed routine starting with yoga and exercise in the morning followed by a round of Golf every alternate day, reading and occasional socializing with entertainment. He enjoyed his daily routine as it gave him adequate physical exercise, rest, recreation and mental stimulation. However after six months, the routine became monotonous and boredom had started to set in. While he was looking for some change, he noticed a very attractive tour package to Thailand. He had never been to a foreign country earlier. He grabbed the opportunity and undertook a week long package with his spouse. He not only enjoyed each moment of the trip but also made some good friends. Being first time out of the country, they as acouple took a good number of pictures with all attractions in the background.

After return, he got back to his routine with a new energy and vigour as the monotony had been broken. The trip had rejuvenated him and  brought back excitement  in his life. His bonding with his spouse improved as the trip gave them adequate time between themselves with no responsibility of daily chores. Every now and then they recall the good times spent in Thailand and looking at the pictures always made them feel positive about life. Now Parkers undertake one such trip every six months.

 

Parker’s case is not unique. We all feel energetic and rejuvenated after an exciting holiday trip. Don’t we not cherish the memories of such trips till date?  Don’t we feel positive whenever we recall the enjoyable and quality time spent during such trips? I am sure that the answer to these questions is always a big “Yes”.

 

Importance of Travel

Travelling for recreation and change of scene has been an essential part of our today’s stressful life. Here I would like to share some quotations which highlight the relevance of travel:

“The world is a book and those who do not travel read only one page..” -Agustine of Hippo

“Once a year, go someplace you’ve never been before.” – Dalai Lama 

“No one realizes how beautiful it is to travel until he comes home and rests his head on his old, familiar pillow.” – Lin Yutang

“Don’t tell me how educated you are, tell me how much you have travelled.” – Mohammed

Opportunities to Travel and Explore

While active and employed,  one gets enough opportunities to  travel and see new places, especially if one is on a transferable job or on a job that  involves touring and travelling. I myself being from such job have changed residence nearly 20 times to different towns/cities in India and  at times to remote areas and abroad as well.

Every transfer gave me an opportunity to visit all tourist attractions within the motorable distance. In addition, I always made it a point to plan a long-distance domestic/foreign holiday with children at least once a year. As a result, I have visited nearly all the tourist attractions in my country India and many of those located in 15 different countries in the world.

 

Benefits of Travel

With my experience of travel, I can make following comments with confidence:

Travel makes Life after Retirement Exciting

Enjoying Travel after Retirement

After retirement, one has adequate time to plan and travel for recreation, rest and relaxation. Resources are also generally not an issue, presuming that one has planned his retirement well.  

Do not postpone your travel plans. Remember that after retirement you are ageing, and if you postpone it, you may not have the energy to undertake such trips. You don’t even have a certainty that you will live till you are old. It would be in order to plan at least one trip(domestic or foreign) once in six months.

Travel creates Lasting Memories

Beautiful waterfall in Kerela in India

The experience of an eventful vacation leaves a strong imprint on you and help you create lasting memories.

Travel Breaks Monotony

A view of a city in Europe

Travel gives you a break from the monotony of your routine and brings in a welcome change with the new environment with an opportunity to do lots of new things.

Travel helps you Relieve Stress

A soothing view

Travel allows your mind to get away from the daily stresses of life and allows make your feel rested and relaxed.

Travel Refreshes your Mind

Beautiful sunset view calms you mind

It makes us feel energetic and rejuvenated and helps us to undertake whatever we are doing better. It refreshes our mind and brings in joy and excitement.

 

Travel makes you more Creative and Productive

Waterfall in Coorg, India

Travel broadens our horizons and perspective of the world. Our exposure to the new things in various places makes us more creative and productive.

Travel helps make Social connections and see New Cultures

Buddha statue in Sri Lanka

Travel gives you an opportunity to meet new people make friends, see new cultures and experience a new way of life.

Travel invokes a spirit of Adventure

Boating in Venice

Travel invokes a spirit of adventure. Have we not undertaken some unplanned activities like para sailing, scuba diving, snorkeling, kayaking, trekking etc after getting  motivated by seeing others.

Travel brings Positivity in your Life

Iconic Lion of Singapore

Expenditure on travel is like an investment which gives you good returns in the form of bringing excitement and positivity in your life, improving your capacity to work and creating new and lasting memories for you.

Travel makes Family Bonding Strong

Twin Tower of Malasia

Spending time on your holidays keeps your family happy and united. The time spent together for enjoyment without any distractions is never forgotten.

Travel boosts your Physical, Mental and Emotional Health

Travel relieves you stress

Travelling can boost both your physical, mental health and emotional health On your travel trips, your physical activity increases on amount of exercise as a result of walking on sightseeing, adventure activities, hiking etc. You exercise a lot more during your travel trips than at home. Travelling can boost your mental health in a number of ways. Change in environment makes you feel better. The general feeling of enjoyment, happiness and excitement contributes to your mental fitness.

Travel makes you Live Longer

A glimpse of Sydney

Researchers have claimed that there is enough evidence to prove that there is a link between leisure activities like travel/adventure and overall health in later years.

Travel improves your Quality of Life as it affects your physical, mental, emotional and spiritual health. A Research finds that taking a vacation could help you live longer.

 

Types of Tourism

There are over 50 different types of tourism dictated by purpose for which the travel is undertaken. However, those most relevant for 50 plus are as follows:

Recreational Tourism

Recreational tourism involves the activities done for enjoyment, amusement, pleasure and fun.

Cultural tourism

Cultural tourism is concerned with a country’s culture, the lifestyle, the history, the art, architecture, religion and the way of life of the people,

Adventure tourism

Adventure tourism involves adventure activities like Mountaineering expeditions, trekking, bungee jumping, rafting, scuba diving and rock climbing.

Wellness and Medical tourism

 Wellness and Medical tourism is undertaken for the purpose of promoting health and well-being through medical, physical, psychological or spiritual activities.  

Religious tourism

Religious tourism. Rreferred to as faith tourism, is a type of tourism, where people travel individually or in groups for pilgrimage, missionary or even leisure.

Wild life and Eco tourism

Wild life and Eco tourism involve trips to destinations with the main purpose of visit being to observe the local flora and fauna while protecting the environment.

Sports Tourism

Sports Tourism pertain to the travel which involves either observing or participating in a sporting event.

Packaged tours vs customized tours vs Independent Tour

Packaged Tours are all inclusive tours offered by tour operators which cater for transportation, siteseeing, hotel accommodation, performances, events, activities and food. These tours are guided tours. These tours are more expensive than the independent tours but may be cheaper than the customized tours. For Fifty plus who are physically fit with no mobility problems, these tours are ideal as they give you real value for money.

Glimpses of Bali
Glimpses of Bali

Customized tours are tour packages tailored to your requirements by the tour operators. These may be escorted or unescorted depending upon the tour package. These tours may be expensive depending upon the size of the group and your specific requirements. For Fifty Plus with mobility issues, these tours would be ideal as they can be customized to your pace.

Independent Tours are tours undertaken by individuals or small groups who travel independently and unescorted as per their individual plans. These tours turn out to be cost effective and have in built flexibility but require a good amount of planning and research. For Fifty plus, these tours may be undertaken if travelling with family and friends.

Whether Group Tour or independent tour is better for you  would depend upon your requirements

Useful Travel tips

Seniors travelling on long distance international travel have some peculiar requirements depending upon their age and fitness levels. Safety and health are two primary concerns for seniors. 

Internet is full of blogs which give comprehensive useful travel tips. They are quite useful especially for first time travelers. These tips relate to planning, packing, budgeting and best places to visit etc. Everything included in these blogs may not be relevant to you, however, these sites give a good  insight into what all needs to be kept in mind while travelling. Instead of repeating these tips, I would recommend you to visit  the following sites which I found to be useful: 

Lonely Planet

Best Travel Tips

61 Travel Tips

My 30 Best Travel Tips

So, what are you waiting for? Get out of your comfort zone, identify new places, plan your trip and venture out to explore the world. Life is short and having retired, you have all the time for yourself. So, make the best use of this time by travelling to see the world.

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Making the Best of Your Retirement

Updated on September 21st, 2022

Enjoy Your Retirement

At Retirement you still have at least 20 to 35 years (considering increasing life expectancy) which is a significant period in one’s life. Retirement gives you an opportunity to work for yourself. It is the time to do things which you always wanted but had no time to do it. So make the best use of this time and enjoy the ‘Joys of Retirement‘. Transition to the retired life from an active life is a challenge that you need to be prepared for. With your physical and mental faculties diminishing  gradually and availability of support reducing, you have to keep  your spirits high to keep you going. With little efforts, you can live your life well and meaningfully after retirement.

Health is your most important Asset

Remember that after retirement, health is your most important asset and prioritise it accordingly. With depleting energy levels, playing golf everyday,  partying and  touring very frequently may not be sustainable unless you take care of your health. Take special care of nutrition and physical work out. Make it a point to get your medical check up at least once every year. Apart from physical health, exercise your mental faculties, maintain emotional balance and work towards your spiritual growth. If you are careful and meticulous in your health and wellness plan, you can even Reverse your Biological Age.

Live Life meaningfully

Initially, the retirement appears like a long vacation where you have freedom to do whatever you like.  After a while, a feeling comes in that spending time in passive activities like watching TV  or listening to music is OK for a while, but what is important is to spend time meaningfully and constructively. Whatever you do must give you a feeling of accomplishment. Feeling of fulfilment and purposeful engagement is important to keep you going in your retired life. There has to be a balance in the activities which give you pleasure, fulfillment, purpose, feeling of being wanted and doing something worthwhile.

Define the Purpose of your Life

Ask Yourself ‘What is the Purpose of my Life?’ Understand and Define your Purpose of Life, if not already done. Having a purpose will help you in focussing your energies and give significance to your life. Your purpose will act like a tonic which will give you adequate strength to live a satisfied and engaged life after retirement. It will help you in achieving true ‘Happiness after Retirement

Keep Learning Something New

Remember, ‘It is never too late and You are never too old to Learn. Doing courses in your area of interest is a good pastime and investment of time. Online courses(many of which are free) offer a good opportunity to undertake these courses in your home comfort without any pressure of time or money.

Reading is another good constructive pass time. I would recommend every retiree to invest in a e-Book reader. The advantage of eBook reader is its easy access to millions of books some of which may be free. Using an E-book reader you can even start reading a number of books simultaneously on a time sharing basis. At the same time you carry your entire library with you wherever you go.

Watching knowledge enhancing and thought provoking documentaries  is another constructive way of passing time. These programs can  be streamed from programs like Netflix, Prime, Youtube etc.

Subscribing and listening to useful podcasts is another option. There are a variety of are thought provoking talks which add to your knowledge base without straining your eyes.

Learn to Meditate

You also need to devote time for mind stilling/controlling exercises like meditation and mindfulness, may be for 15-30 minutes a day. Time devoted may be increased gradually. Time spent on meditation is an investment. The returns are in the form of increased energy level, reduced stress level and improved concentration. If you are a beginner, you may go through the post ‘Learn the Meditate: My Experience and Lessons’.

Formulate your Life-Style and Activity Plan

Define your life-style plan in consultation with your partner and follow it. Your plan needs to have activities which  contribute to your overall health and wellness, give you pleasure,  foster social interactions and make your life relevant.

At the beginning of each day, make a broad  activity plan as to what you intend to do for the day and at the end to the day take a stock of all that you could achieve. In the beginning, it may be disappointing as you may miss out many of your targets. The exercise is still worth as it forces you to plan and review your achievements.

Accomplish your Bucket List

A Bucket List is simply a list of things that you wish to accomplish in your lifetime. It  is good to have a Bucket List is it forces you to  plan and track your goals for accomplishing activities which you have been always wanting to do before you hit the bucket. It gives you a focus and motivation to achieve your dreams. Go through your Bucket List periodically and make an all out effort to accomplish your list as early as possible.

Spend more time with your family

Spend more time with Family. Once you retire, you’ll have plenty of time. No, you can’t go back and make up for the time you didn’t have earlier in life. But now you can resolve to spend more time with family. Spend time with your grandchildren.

After Retirement you are available to your spouse 24x7x365 (presuming that your spouse is not working) which your spouse is not used to. In fact your spouse is getting double of you you with half (or even less) of your income. Therefore it is important to get along well with your spouse at home. One aspect which you must remember that your retirement means more load on your spouse and it is your moral responsibility to share the load. Now you have no excuse for not doing it.

Travel More

Travelling makes life exciting and energises you. It adds value to your life and rejuvenates you. The memories of your best holidays makes you feel good and positive. Plan a trip at least once in six months and make the best use of this time. Plan your distant and adventurous travels early after retirement as health becomes a major issue later and there is no guarantee that you will live that long.

Exploit Technology to your advantage

Use technology to your advantage. Most of the retirees today have a working knowledge of computers and most of the mobile based applications. If you lack the basic knowledge, it would be a good idea to take up a basic course on computer applications. It would enable you to exploit the technology to the maximum thus easing your life. Smart phones are a boon to Fifty Plus, if exploited well.

Plan your retirement corpus/accumulated savings.   Invest them in a manner that you take a balanced and calculated risk to maximize your returns. It is always better to seek professional advice so that you get a better return after catering for the inflation. In addition, you must have a Viable Withdrawal Plan  to enjoy the fruits of your savings and investment to the maximum in your lifetime. Remember, expenditure on health care in the later years can be heavy. Therefore, take an appropriate Insurance Plan that covers you and your spouse adequately.

Consider Volunteering/Part time job

If you get an opportunity, volunteer for social service or for non-profit organizations for the benefit of the community with the aim to give back to the society. Taking up a part time/ full time job after retirement is not mandatory unless you need money and want to supplement your income to maintain your lifestyle. However, if you do not have adequate hobbies and pastimes to keep you busy, you may take it up as an occupation, even if you are financially sound. Always make sure that you leave enough time for your rest and recreation.

Balance your leisure with productive engagements

Thus your Post-Retirement Basket needs to have a balanced mix of some work, hobbies, ongoing learning, recreation, travel, reconnecting with family and friends and giving back. The goal should be to expand social connectivity, purposeful activity, self esteem through productive engagements and overall enjoyment of life.

Making the Best of Your Retirement Read More »

ARE YOU HAVING A WHOLESOME BREAKFAST?

Updated on February 23rd, 2023

Are you having  a wholesome breakfast everyday?

Or is your response one of the following ?:

-I am too busy in the morning to waste my precious time  on breakfast.

-I am avoiding breakfast as I want to cut down on my weight.

-I don’t feel hungry early in the morning.

-Breakfast makes me sluggish in  the morning.

People differ in their view on the importance of Breakfast. However, there is enough evidence to prove that Breakfast is the most important meal of the day which breaks your fast after nearly 12 hour of abstinence. It is important as it gives you the required energy to see you through the day.

Benefits of having Breakfast.

Eating Breakfast helps restore Glycogen and stabilizes levels of insulin to make you feel full, active and in good mood.

A timely Breakfast strengthens your metabolism and encourages your body to burn more calories throughout the day. This helps in controlling your weight.

A study shows that a wholesome breakfast keeps you fuller longer, preventing you from the need of having snacks.

Breakfast foods are a good source of calcium, iron, B group vitamins, proteins and fiber. The research shows that if these are missed at Breakfast, they are less likely to be compensated for later in the day.

According to a study, having Breakfast has both physical and mental benefits. Breakfast has a positive effect on cortisol, the primary ‘stress hormones’.  It keeps you in good mood and active through out the day.

Eating breakfast leads to better cognitive performance throughout the day, which means you’re better able to concentrate. It also improves your memory

In two groups who consumed same number of calories per day but distributed them differently, the group which consumed more calories in the morning lost an average of 17.8 pounds over three months, while those who ate less in the morning and more later in the day lost just 7.3 pounds on an average.

Breakfast: The Most Neglected Meal

Breakfast is the most neglected meal as at the start of the day, one is generally short of time and Breakfast becomes the first casualty.

The time and effort devoted to your Breakfast is the time well spent and will compensate you at the end of the day with additional energy and feeling of well being.

If you do not have Breakfast in the morning, it is quite likely that after getting busy at work you may altogether miss it.

Effects of skipping Breakfast

There are a good number of studies that show both pros and cons of eating breakfast or skipping it. However, it is seen that skipping Breakfast has more negative effects than adverse effects (if any) of having it.

I have personally tried both options ie; having breakfast and skipping it. I found that having breakfast made me more full, satisfied and energetic. Skipping breakfast made me have more snacks and beverages like tea, coffee and pre-packed juices to make up for the lack of energy. I have been regularly having a nutritious Breakfast for over 20 years and have always felt good. My weight also is under control.

Skipping Breakfast can make you more susceptible to weight gain and increase you risk for heart disease, obesity, high blood pressure, high cholesterol and diabetes.

A research has shown that those who skipped Breakfast were much more likely to experience a heart attack or die of heart diseases.

Another has concluded that people who did not eat Breakfast had a higher risk of developing diabetes than those who had regular Breakfast.

According to some studies, only in extreme cases, if you are overweight or obese the reduction of breakfast calories may help the body in using up the fat stores for energy.

Timings for Breakfast.

Ideally, Breakfast should be eaten within two hours of  waking up. If you had a late dinner the previous night or you are following intermittent fasting, you may make adjustments but have you must have your Breakfast not later than 10 am.

Breakfast & Intermittent Fasting

Skipping Breakfast has become a common option for people for people following intermittent fasting. People tend to find it easier because generally, it’s the meal commonly taken at a time of hurry. If you have to choose between breakfast or dinner when following intermittent fasting, it is recommended that you to skip dinner but have a wholesome Breakfast.

Calories to consume during Breakfast.

“Eat breakfast like a king, lunch like a prince and dinner like a pauper” – Still holds true.

An active male needs to consume between 2000 to 2800 calories a day depending upon the activity level

We should all be aiming to consume around 20-35% of our daily energy intake at Breakfast. This would amount to nearly 300 to 700 calories in the Breakfast.

The calories consumed during Breakfast can be easily expended during the course of activities in the day.

Essential Nutrients Required in Breakfast. 

Proteins.   Eggs, Greek Yogurt, Nuts & Seeds, Beans, Quinoa

FatsAvocado, Nuts & Seeds, Olive oil, Fish

Complex Carbohydrates.  Oatmeal, Multigrain cereals/Bread, Sweet Potatoes, Quinoa

Fiber.   Whole grains, Fruits and Vegetables.

Essential Vitamins & Minerals. (Calcium, Iron, folate, vitamin B12). All Fruits, Nuts and Seeds, Low fat Diary products, Vegetables, Salmon

A Typical Breakfast Meal

To make your Breakfast a wholesome one, include the following three groups:

Fruits. You may take any fruits as much as you like. Give priority to local grown fresh seasonal fruits and fruits with low glycemic index. Fruits keep you full till longer due to high fiber and water contents while providing you with essential vitamins and minerals.

Complex Carbohydrates.  Take oatmeal or Quinoa fortified with nuts and seeds to provide adequate fiber to keep you full for long.

Proteins & Fats.  Include Eggs, Greek Yogurt (sprinkled with ground Flaxseeds), Sprouts and cottage cheese for a balanced breakfast. A slice of whole grain bread with butter with almond or peanut butter may be taken.

This grouping would help in getting nutrition dense Breakfast which would meet your energy requirements and provide you with essential vitamins and minerals.

Other Healthy Breakfast Options

Oats is one of the best super foods which you must include in Breakfast as it helps lower cholesterol and is also rich in omega-3 fatty acidsfolate, and potassium.

Greek Yogurt, a type of yogurt that has been strained to remove the whey, giving it a characteristically thick consistency. It is a healthy super food loaded with calcium and plenty of protein—nearly twice as much as regular yogurt. It is possible to prepare Greek Yogurt at home. Internet gives you a number of recipes for preparing Greek Yogurt at home.

Eggs are now considered as a healthy source of protein and nutrients like vitamin D. Research has shown that the cholesterol in our food has less of an impact on blood cholesterol than previously thought. People who took eggs felt more satisfied and took in fewer calories during the rest of the day.

Cereals  provide you with the necessary fiber, but be careful about choosing your Cereals as they may contain more sugar than fiber. Look out for whole-grain or bran cereals, with lots of fibre and other essential nutrients.

Sprinkling ground flaxseed into a smoothie or bowl of cereal will add essential omega-3 fatty acids. Just two tablespoons contains more than 100% of your recommended daily intake for these heart-healthy fats.

Whole wheat and other whole grains—whether they’re found in bread, toast, or in any other form—contain more fiber and nutrients than their white, refined counterparts.

Chia seeds are extremely nutritious. They’re also one of the best sources of fiber. In fact, one ounce (28 grams) of chia seeds provide nearly 11 grams of fiber per serving.

Nuts

Nuts are a  great addition to breakfast because they are tasty, satisfying, nutritious, filling and help prevent weight gain. All types of nuts are also high in magnesium, potassium and heart-healthy monounsaturated fat.

Cottage cheese is a rich breakfast food. It’s high in protein, which increases metabolism and is as filling and satisfying as eggs.

Topping Greek yogurt, cottage cheese or oatmeal with 2 tablespoons of chopped nuts provides crunch and flavor, while increasing your breakfast’s nutritional value.

Green tea may be especially helpful against diabetes and reduces blood sugar and insulin levels.  It also contains an antioxidant which may protect the brain, nervous system and heart from damage.

Fruits are a delicious part of a nourishing breakfast. All types of fruit contain vitamins, potassium, fiber and are relatively low in calories. Fruit are also very filling, due to its high fiber and water content.

Pair fruit with eggs, cheese, cottage cheese or Greek yogurt for a well-balanced breakfast that will sustain you for hours.

To sum it up all,  have a good source of protein like eggs, cottage cheese or Greek yogurt, plus a high-fiber whole grain like whole wheat bread, shredded wheat cereal or oatmeal, Dairy foods like milk or yogurt to provide the extra calcium that you need for strong bones, some healthy Fats and a serving of fruit at breakfast for extra vitamins and nutrients to boost your immune system

For Indians, who are predominantly vegetarians, the healthy breakfast options may include Oats Poha, Multigrain Parathas, Vegetable Dalia, Channa Dal or Moong Dal Chilla, Idly Sambar, Cottage Cheese and Home made Yogurt.

Breakfast Considerations for Older Adults

Older adults may have a difficult time consuming adequate nutrition due to decreased absorption efficiency. Therefore, seniors are at an increased risk for malnutrition. Soft and easy-to-prepare breakfast foods are good for seniors. Eggs, oatmeal, soft fresh fruits, fresh fruit and smoothies are ideal.

There are some quick, easy and healthy ideas for seniors for ensuring nutritious Breakfast.

Foods to Avoid in Breakfast

Processed Juices including the 100% variety. Have fresh fruits in lieu.

Tea or Coffee immediately after the Breakfast. Preferably take a green tea after a gap

White Sugar in all forms.

All types of deep fried food.

White Bread. Choose the whole grain variant instead.

Flavoured Yogurt. Have plain unsweetened instead

Processed low-fiber ready to eat high sugar Breakfast Cereals.

ARE YOU HAVING A WHOLESOME BREAKFAST? Read More »

PURPOSE OF LIFE- HAVE YOU CREATED ONE FOR YOURSELF?

Updated on October 18th, 2022

I am sure everyone, at some time or the other, wonders as to “What is the Purpose of his or her Life”. The associated queries which come to ones mind while seeking an answer to this question are:

Questions on Purpose of Life

-Is it the God who has created you has laid down the purpose of your life? Is it your biological parents who gave you the birth have given you the purpose of your life? Is it that you yourself have defined the purpose of your life?

-Was your Future already decided at the time of your birth itself? Was  it destined that you would be what you are today?

-Is it necessary to have a purpose of Life?

-When and from where does the purpose of life come?

-At what stage in life you are clear that you have purpose in this life which you have to achieve?

-Once you have got your purpose, does it remains constant or it changes with passage of time?

-Is the purpose of life the same as the goals that you set for yourself to achieve in your life?

These are some of the questions which generally haunt us and to which we probably have no satisfactory answer.

Your coming into this world was not your choice. It was either Gods will, destiny or an accident. You never had a choice of your parents or timing or place for coming into this world.

Having taken birth, the journey of your life began. Your personality, your character and your values developed over a period of time is a result of your upbringing and  exposure to the environment you got.

 

Is there a God given Purpose?

Whether there is a God given purpose for your existence or not is not clear.  If God has laid down an individual purpose for you then how is going to be communicated to you. Spiritual minds  may tell you to discover your purpose of life inside yourself by getting connected to God through spirituality and meditation.  However, for most human beings to do so does not appear easy.

Are your Goals the Purpose of Your Life?

Mostly, when we talk about purpose, we are actually talking about goals that we set for ourselves.  If our goals are giving us our purpose of life, what is the ultimate Goal of our life? Is it one of the following?

–Earning adequate Wealth

–Building strong Relationships

–Becoming a renowned Professional- viz;   Doctor,  Engineer, Pilot etc.

–Becoming powerful by achieving a position in society

–Becoming a Celebrity

–Achieving good health and fitness

–Doing something useful to the society

All  the items listed above  point toward achieving something which gives you satisfaction in life by fulfilling your material, physical and emotional needs. The satisfaction that you achieve after fulfillment of these needs is temporary and not long lasting. Once you achieve your set goal, you feel satisfied but that satisfaction is temporary and you want more.

The cycle of Goal setting and Fulfilment

So you  create now goals which again when satisfied give rise to yet another set of new goals and the cycle continues. For example, if your goal is to become a Billionaire and you are able to achieve this goal, you feel very good and on the top of the world. However, with the passage of time the satisfaction and feeling of achievement fades away. Whatever you have achieved becomes a way of your life. It does not fascinate you anymore.

You now set new goals to achieve more material wealth and your threshold of satisfaction goes higher and higher as you start comparing yourself with others who are still better than you. This way you get into a cycle of goal setting, achieving and setting worldly goals once again. In pursuit of getting more and more, you tend to lose sight of  the real purpose of life. The wealth, power and position that you earn basically results in satisfaction of your wants.

Meditation helps in focussing and concentrating your mind

Everyone’s goal in life is to avoid pain and acquire happiness, peace and wisdom. Man seeks happiness in wealth, love, sex, entertainment, liquor and even in drugs only to be disillusioned as all these pursuits do not bring a lasting joy but disappointment and distress in the end. Regular practice of Meditation  will bring your body, mind and soul in perfect harmony and will give a greater physical and mental power to achieve a successful, happy and peaceful life.

Is having a Purpose in Life necessary?

If setting and achieving goals is not the purpose of your life then what is the Purpose of Life? Is there any other purpose? Does one needs to have any other purpose?

Every venture, mission and journey has to have a purpose. Similarly Life is a journey and a mission to be fulfilled and so it has to have a purpose. Who will give this purpose?

Who will give you the Purpose of your Life?

It is you yourself who has to decide and define Purpose of Your Life to make it meaningful. For justifying your existence, you and you alone and no one else has to identify, define and create a purpose of your life.  Yes, every human being is capable of creating a purpose for himself/herself.

Essential Elements of Purpose of Life

Whatever you decide and define to be the purpose of your life, it needs to have the following four elements:

–Love whatever you are doing and do it to the best of your ability. If you do not like what you are doing and there is something else you would love to do, switch over to doing what you like and love, as soon as possible.

–Make your existence worthwhile by being useful to society. Whatever you do must contribute something to community directly or indirectly. Someone must benefit.

–Whatever you do and achieve should not be at the cost of others. There should be no injustice done to anyone.

— Introspect & practise regular meditation to harmonise you body, mind & soul.

A purpose of life once defined incorporating these four elements will give a direction and a focus to your life. Your life would become meaningful to you. By doing what you love to the best of your potential, benefiting others and practise regular meditation without hurting anyone will bring satisfaction, happiness and contentment in your life. This would eventually give you Peace of Mind. And this is is the ultimate goal of life.

PURPOSE OF LIFE- HAVE YOU CREATED ONE FOR YOURSELF? Read More »

WHY IS AGE 50 CRUCIAL?

Updated on September 23rd, 2022

Therefore at age 50 one needs to  take a stock of  his achievements and failures, one’s assets and liabilities and plans for future.  At this age one still has about 10 to 15  years of working life to set the things right and make changes, if required.

Important questions that one must ask short of Retirement:

-Am I doing adequately to keep myself physically fit and in good health which will see me through for the next 25 years?

Have I planned my Retirement well after considering all aspects

-Have I taken care to be financially sound to be able to maintain my current life style even after retirement ? Am I saving adequately for my Retirement?

-Will I be able to sustain myself without having to work after 65 to meet my financial commitments?

-Are my Children well settled and financially independent? If not, do I have plans in place to finance their requirement?

-Have I decided the place where I am permanently settling down? Do I have a house of my own?

-Do I have plans on how to spend my time constructively and meaningfully after retirement?

-Do I have a  social network to keep me socially active?

-Do I have hobbies and pass times to keep me occupied in the activities I like?

-How is my relationship with  my spouse and my near and dear ones?

-Have I understood and defined the purpose of my life?

-Do I have a routine to calm my mind periodically through techniques like Yoga, Meditation etc?

These are some of the questions that one needs to ask himself/herself at the threshold of retirement to build a clear vision of the life that lays ahead. If the answer to these questions is in the positive, you are well prepared to play your second innings of life. However, if the answer to many of these questions is in the negative, then it is a wake up call for you to make necessary amends. The fading years of life can be made the best  period of you life by timely planning and positive action.

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NUTRITION FOR 50 PLUS

Updated on September 24th, 2022

On his 60th Birthday, Antony looked no more than 45 yrs old. When people asked him,  “What is the secret of your health and good looks?” He remarked “ I have been keeping a strict watch on my diet. I have always had home cooked food to ensure that I get all essential nutrients appropriate to my age. I do’t remember when I last visited my doctor.” This is a good example of how a good diet and nutrition can add years to your age. If diet and nutrition  is neglected, the reverse is also true.

There is a very strong relationship between nutrition and healthy ageing. To age well and stay healthy and strong, you need to understand this relationship. As you age, many changes  take place in your muscles, bones, digestive system and all our internal organs. While these changes are out of your control, but your diet and nutrition which can influence these body systems and organs, is well within your control.

The daily calorie needs for men over the age of 50 are approximately:

–2,000 calories if not active.

–2,200 to 2,400 calories if moderately active.

–2,400 to 2,800 calories if regularly active.

While on one hand, you need less calories due to a sedentary life style, on the other, your requirement of nutrition goes up. Therefore, it becomes important to match your reducing food intake(caloric requirement) with the increasing nutritional requirements as you age.

What all 50 Plus need to Ensure

It is essential that all seniors pack as much nutrition into each meal as possible by concentrating on the foods rich in Essential Vitamins and  Minerals. It is important that you always consume nutrition dense meals within the limits of your calories.

You need more Proteins, Vitamin B12, B6, Calcium, Folate and Vitamin D to slow muscle loss, keep the bones strong and to slow cognitive decline. Even mild deficiency of Vitamin B12 can put older adults at risk for dementia.

A Wholesome Breakfast can be a good way to start the day to get the essential vitamins and minerals and required amount of fibre. As a fifty plus, never miss your Breakfast. Also make Breakfast the most important meal of the day.

Increase intake of potassium while reducing intake of sodium to lower risk of high blood pressure. Select and prepare foods with little or no added salt.

Consume foods rich in Omega 3 fatty acids. Omega 3s are important for reducing inflammation wherever it comes up.

Most of the fats you eat must be polyunsaturated fats and monounsaturated fats. This will help to reduce cholesterol levels and protect your heart.

Take care to consume wholesome foods which include fruits, vegetables, lean proteins, whole grains and healthy plant-based fats. This will provide  you with essential vitamins and minerals and will reduce the risk of many diseases.  

Aim for five servings of fruits & vegetables each day. These are packed with important nutrients to help you stay healthy. Have a mixture of different coloured fruits and vegetables each day

Fiber and Water are other two nutrients which the 50 plus need in adequate quantity in diet.  Always stay hydrated to avoid tiredness, dizziness and constipation. Fiber helps lower your risk for heart disease and prevents type 2 diabetes.

Absorb some sunlight. Our bodies use sunshine to make Vitamin D. Vitamin D can increase serotonin levels among other benefits. Aim for half an hour of the sun exposure at least twice a week.

Add probiotics to your diet to improve your gut health. Yogurt and other fermented foods are a good source of probiotics. indian Dosa, Idli and Dhokla are a good example of cereal based fermented food.

Do not consume foods high in ‘empty calories’ like sweets and unhealthy snacks.

It is always better to get the nutrients you need from food, rather than the pill. It is because nutrient-dense food contains fibre and other things that are good for you. Supplements, if needed, must be taken only on medical advice. Remember that excess of vitamins and minerals taken through supplements can be toxic to the body.

It is important to know which are the essential Vitamins and Minerals and their sources. To make your meals nutrition-dense, we need to include ‘Super Foods’  which can give you better nutrition with less calories.

Essential Vitamins

There are 13 essential vitamins that our body needs. They are Vitamin A, B (Group of 8), C, D, E and K. These Vitamins are absorbed by the body out of the food we eat.  If we are eating a balanced diet, the body gets adequate quantity of these vitamins. Assuming that we do not have any disease or abnormality which prevents us from absorbing these vitamins, there should be no need for taking any supplements.

Click Here to see all Essential Vitamins

Essential Minerals

Unlike the 13 vitamins, there are 60 minerals required by the body to keep it going. However, only 17 are mentioned by researchers as the most important ones to keep the body working. The minerals can also be categorized into two groups: macronutrients and trace minerals. Macronutrients are required in huge quantity whereas the trace minerals as required in small quantity by the body. 

Click Here to see all Essential Minerals

 

Super Foods

There are certain foods which have exceptional benefits are termed as Super These foods are ‘Nutrient-Dense’ as they contain high level of much needed vitamins and minerals. They are also a source of antioxidants which shield our body from cell damage and diseases. To package the necessary nutrition in limited calories, individuals who are 50 plus need to consume these nutrient-dense super foods to make good their nutrition requirement. There is a long list of such foods that have been added all over the world. Most of the Superfoods come from the plant kingdom. Always consume Super Foods which are grown locally in your region over the others that are hyped and exported.

 Oats 

An oatmeal is high in fiber, antioxidants & has plenty of other nutrients. Oats help reduces your cholesterol levels, aid in digestion and even improves metabolism. Oats are also a good source of iron, calcium, and thiamin.

Eggs

One egg has six grams of protein, 70 calories, and loads of healthy vitamins and minerals. Eggs are a great source of Omega 3 fatty acid, proteins and vitamin D. Eggs are considered safe in spite of their cholesterol contents as research has shown that cholesterol in our food has less impact on our blood cholesterol than previously thought.

Broccoli

It is packed with vitamins, minerals, disease-fighting compounds, and the fiber essential in any diet. Broccoli stands out for its exceptionally high levels of vitamin C and folate (which can reduce risk of heart disease, certain cancers, and stroke)

Fish and seafood

All fish are excellent sources of lean protein and iodine.It is very rich in omega-3 fatty acids. The bottom line is that they are essential to your diet, meaning your body cannot produce them so they must be obtained from foods you eat. Fish has long been considered “brain food,” and reduces the risk of Alzheimer’s disease and dementia.

Nuts and Seeds.

Nuts and Seeds are full of proteins, minerals, vitamins, fiber, healthy fats and antioxidants which are vital for the body. They are also a source of folate, calcium, zinc, potassium, manganese. These are:

  • Nuts. Walnuts, Almonds, Cashews, Macadamia nuts, Pistachios, Hazel nuts & Pine nuts.
  • Seeds. Pumpkin seeds, Sunflower seeds, Hemp seeds, Chia seeds & Flax seeds.

Peanuts

It belongs to the family of legumes but is treated more as a nut. The peanut is one of the most inexpensive healthy foods you can buy. Peanuts provide loads of protein, fiber, and heart-healthy fats.

Sweet Potatoes

Sweet potatoes are loaded with antioxidants like beta-carotene, which improves your eyes and vision health. They’re also a great source of fiber and rich in potassium, vitamin C, and vitamin E, which helps your body fight off oxidative damage.

Kale

This rough and tough green beats out all the rest in terms of nutrition, providing more antioxidants than most other fruits and veggies. It’s also a fantastic source of fiber, calcium, and iron. 

Avocados

Avocado is loaded with the healthy fats essential for life. They also contain magnesium, which helps regulate blood pressure and blood sugar.

Avocade

Brown Rice

Brown rice is among the healthiest (and cheapest) superfoods you can buy. It is rich in fiber and may reduce your risk of heart disease, stroke, and other chronic diseases.  People who eat brown rice instead of white may help lower their risk for type 2 diabetes.

Quinoa

Quinoa is one of the only grains or seeds that provides all nine essential amino acids our bodies can’t produce themselves. And it has much as eight grams of proteins per one-cup serving.

Greek Yogurt

Greek Yogurt is thicker, creamier variety of regular Yogurt.A great source of protein and calcium. Yogurt contains live cultures commonly known as probiotics. These are the “good bacteria” that keep your digestive system healthy and working smoothly and fight off harmful bacteria, boosting the immune system.

Cabbage

Cabbage is rich in vitamin C and K. It is a good source of potassium and detoxifying compounds that help fight potential diseases, too.

Spinach

It has antioxidants, anti-inflammatories, and vitamins that promote vision and bone health. One cup of the spinach packs up to 12 percent of the recommended daily dose of calcium and enough vitamin K to help prevent bone loss .

Berries

  • Strawberries. Strawberries are a sweet source of disease-fighting antioxidants. It is rich in fiber and it has more vitamin C than an orange.
  • Blueberries. Recent research suggests that blueberries are rich in nutrients that help to fight chronic diseases. They are nutritional superstars, filled with fiber, vitamin C, and cancer-fighting compounds.
  • Goji berries. Goji berries contain a lot of vitamin C and are rich in plant-based antioxidants and compounds.
  • Cranberries Cranberries have a number of health benefits and disease-fighting powers. These help fight inflammation, reduce the risk of heart disease, improve oral health, help prevent ulcers and may even inhibit the growth of some human cancer cells

Beans and Legumes.

These are rich source of proteins, fiber, iron  and vitamin B. They help in reducing cholesterol and blood sugar levels and increasing healthy gut bacteria. These contain folate, manganese and thiamine.  These are:

Green Tea

It is an antioxidant which has been used as a natural remedy for everything from cancer to heart disease. It contains a phytochemical that slows irregular cell growth, which could potentially help prevent the growth of some cancers.

Cacao/Cocoa Powder

Like chocolate, cacao powder contains flavonoids, which are known to help lower blood pressure and improve blood flow to the brain and heart. With fewer than 15 calories per tablespoon and containing almost no fat, cacao provides a strong chocolate flavor without the guilt. 

 Herbs and Spices

  • Garlic. It  contains vitamins C and B6, manganese, selenium and other antioxidants.It is used to treat anything from high blood pressure and heart disease to certain types of cancer.
  • Ginger. Health benefits include relieving nausea, loss of appetite, motion sickness, and pain.
  • Turmeric  It contains curcumin, a substance with powerful anti-inflammatoryand antioxidant properties.  It is also an excellent source of fiber, vitamin B6, potassium, vitamin C, and magnesium.

 

Citrus fruits.

Oranges, lemons, limes, pineapple, tangerine and grapefruit are all rich in fiber and vitamin C, as well as the bioflavonoids that boost the immune system and aid in tissue growth and repair.

Other Lesser Known Superfoods

As there is no strict definition of Superfoods, there are a number of other foods which are termed as superfoods due to their high nutrition contents. If these superfoods are locally grown in your region, prioritise them over the others. These are listed below:

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CONSTRUCTING A CUSTOMISED HOUSE

Updated on October 21st, 2022

My Experience of Constructing a House

I was located at a distance away from my site and it was not possible for me to closely supervise the construction activity or even to visit the site more than once a week. Therefore, I got into a composite contract with a builder who would construct the entire house including the building material at the negotiated rate per square feet. Having limited experience in this field, I used to make routine weekly visit to monitor the progress. Unfortunately, due to lack of experience, I had given the house construction on contract without laying down any specifications of quality and make of material to be used.

To my dismay, I observed that the contractor was using material of sub-standard quality. However, since I had not got into a written contract with him and the deal was conducted purely on trust, I could not pressurize him effectively to use the high-end material in construction. In addition, the progress was not as per the promised timelines. Ultimately, I had to get rid of the contractor by paying for whatever he had done, at his terms, so that I could construct a house of my choice.

Having cancelled the contract, I had now to undertake a tedious task of direct hiring of tradesmen for activities like masonry, wood work, stone laying, electric work, plumbing etc, procurement of material from the vendors, dealing with the municipal/urban town planning authorities for necessary clearances at various stages of construction and supervision of day-to-day work.

It was a difficult task but I took is as a challenge. I had to struggle a lot and devote a good amount of time but the joy of seeing my house coming up as per my desire,  compensated it all.

Finally, I was able to complete my house in a shorter timeframe and at a lesser cost than that quoted by the outsourcing contractor. At the same time I had the satisfaction of ensuring quality and customized features of my choice. Therefore I thought of sharing my experience in the form of some useful tips applicable for every stage of construction for anyone who is aspiring to construct his house. Here are some tips:

Tips on House construction

1.  Type of House to have ? First of all, have the concept of the house that you would like to have very clear in your mind. Put it down on paper as a sketch.

2.   Hire a good Architect. Communicate your wish to your architect as a layman, who would now translate your wish in to a building drawing with detailed layout. Do not compromise on this aspect.

3. Estimate the Rough Cost. Work out the Rough Estimate of Cost in consultation with your Architect.   You may have to undertake an exercise for matching your estimated cost with your Budget. Adjustments of your wish list as per the budget may have to be done.

4. Include Green Building Concepts. Make your House a Green Building by including natural lighting, solar heating/solar power and rain water harvesting. These aspects would help you save on your electricity and water bill.

5Include Senior Friendly Features. Do not forget to include senior friendly features like non skid tiles/stones in washrooms, railings for support at appropriate places, slopes with low gradient instead of stairs etc. as the concrete structure of  your house is going to last you at least for 40 to 50 yrs. Remember that senior friendly features are good for all ages. Universal Designs have been developed by The Centre for Excellence in Universal Design (CEUD) to meet the needs of all people who wish to use them.

6. Cater for Smart Home Features. Plan for Smart Features that you intend to install in your house like security system, lawn mowing, lighting  etc. in time to include certain design changes, additional electric points etc. This would avoid complications at a later stage.

7Ensure Pest Control. Depending on the local conditions make sure that appropriate pest control treatment is given the soil before the construction takes place.

 8. Take necessary inputs from others. Involve your partner while making choice of aesthetics, kitchen, toilets, colors, paints, fixtures etc. Also take inputs from any known person who has undergone this exercise lately. Visit sample homes displayed by the builders to get new ideas. If you believe in Vastu/Feng Shui,  incorporate their principles in construction design itself

9. Plan for Finance. Have timely arrangement for availability of finance at various stages of construction. Cater for nearly 5 to 10% more than the estimated cost.

10.  Decide on Outsourcing vs Directly Supervised Construction.   The choice to undertake the project under your direct supervision  or Outsource the entire project is a decision that you need to make. Both methods have own merits/demerits. It needs to be kept in mind that while under direct supervision too, you would in fact be outsourcing every individual work task-wise eg. masonry work, stonework and tiling, wood work, painting, grill and steel work, plumbing, landscaping etc. yourself.  However, in case of complete Outsourcing, it would almost amount to outsourcing entire project from “Concept to Completion Stage”  on pre-decided specifications and rates.

11Outsourcing the entire project.  If you decide to outsource the entire project, your headache would be limited to dealing with only one contractor and monitoring the progress as per specifications and timelines.

12.  Construction under direct control and supervision. If you decide to undertake construction under direct supervision, be aware that this would demand a good amount of your time and attention. However, cost wise and specification wise you may be better off. At the same time you will have the flexibility of making any changes, additions and alteration within the broad framework of approved plan at anytime. You must take this exercise only if you have adequate time to devote.

13 Modifications under Outsourcing.  Even if you have outsourced the entire project to a contractor, it does not mean that you cannot make minor changes in choice of use of material or on aesthetic aspects. You will realize that as the project progresses some new ideas will crop up. Generally the contractors are reasonably adaptive unless the cost effect is too high. In such cases, a difference in the cost may have to be adjusted.

14.  Guard against Time and Cost Over Runs. Monitor the progress against the prepared PERT chart and take timely corrective action, if delays noticed. Keep a continuous check on costs.

15. The major issues for Direct Supervision.   It is advisable to hire a consultant who would assist you in supervision of your work and advising you. Get a Pert Chart made as a project management tool and identify important milestones. Have all drawings ready before undertaking the construction. The major activities that you need to concentrate on while  undertaking the project under your direct supervision would be:-

Identify reputed vendors for supply of raw materials like cement, bricks, other aggregates, wooden/aluminium door/window frames, steel etc. Get into a rate agreement with them for supply of items and have an understanding of supply of these items directly to site on telephonic orders. Have a system in place to monitor the quality of items supplied.

Identify reliable labor contractors for Masonry work, Wood work, Stone laying and tiling, steel fabrication, Painting,  electrical,  Plumbing and landscaping.

-Apply for necessary municipal/town planning clearances as per local rules during various stages of construction (if necessary). You may consult local town planners to know the prevalent rules in the area. Obtain electric connection, water connection and sewage connection well in time. Stick to the laid down building laws, to avoid complications at a later date. 

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