Grey Areas After Pensionable Age
Retirement age in the UK is now pegged at 67 years.When one turns 67 years its time to call it quits at work. Work colleagues will bid you farewell saying ,thank you for the job well done.We wish you the best in your future endeavours.
The retiree is now geared to open a new phase in his or her life free from the 9am to 5pm job.Retirement can be a journey not for the faint hearted. It can be challenging, it can be lonely.lts packed highs and lows - it is indeed, a bumpy ride. Retirees need to plan and manage their retirement well, failing which retirement can be a death sentence or a death trap.lf people don't have a retirement plan, there are always disastrous consequences.
There is no blueprint for retirement but there are certain things which someone who has retired should not do. Retirement is the time for individuals to enjoy the fruits of their hard work travelling the world and having quality time with their grand children seeing them grow into responsible beings.If there is improper planning after retirement the consequences are usually detrimental and once the die has been cast it won't be reversed - it would leave a permanent mark which would change their lives forever.
Proper planning prevents failure hence plan now and enjoy later is the motto. It is a grave mistake for a retired male to start a new family at that golden age.lt is mentally and financially draining to have kids and do school runs at that age.
Make hay whilst the sun shines,never get a long term loan after retirement.Do not cancel your health and funeral policy after retirement.You are likely to need the services in the immediate future as we age we became susceptible to ill health and l should not shy away to say at that age everyday signals a step closer to one's most grave sofuneral cover is eventually inevitable. Retirees are not encouraged to start constructing or buying a home on mortgage after retirement- that's a no brainer. Relocating to a new country without financial muscle is a suicidal mistake.After retirement individuals are required to watch their health and diet.They should reduce alcohol intake and smoking.A walk in the park daily can improve health and mental well being.
It is most likely that people on retirement have grown up children who are no longer dependent on them, they are now leading their own independent lives. In most cases the burden of looking after children would be off their shoulders. This would give them time to do things they enjoy most. It is not a good idea for pensioners spend extravagantly since they are no longer on payroll.Pensioners should learn to live within their means.Pensioners should avoid to make gambling a habit they are prone to be bankrupt by over spending.Pensioners because of their age they are vulnerable to online scams so they should avoid sending money to suspicious people they dont no online.Spending money on buying designer clothes after retirement is sheer waste of money.Life at this stage is now not measured by the designer clothes but it is measured by the inheritance and legacy you want to leave for your grand children.Save and save money as possible you don't want to be a parasite in your retirement.
It's good to retire when there is money set aside to spoil grand children whenever necessary. A good number of people on retirement end up leading a miserable life or end up depressed because of loneliness so when one retires there is need not to be lonely join coffee clubs ,cooking clubs and fishing clubs so that you are not alone from dawn to dusk. Loneliness kills avoid it at all cost.
In order to have a happy and a blessed retirement those on retirement should shun certain behaviors which might end up ruining their lives or losing their hard earned pension money. To reiterate and sum up the following are what pensioners must adhere to inorder to enjoy their retirement.
Drink less alcohol
Alcohol is dangerous,It is advisable that when one becomes a pensioner drinking beer like a fish should be avoided. It is true that the pensioner had enough disposable income to spend on beer, failing to act responsibly can result in the pensioner becoming a binge drinker,which has detrimental effects to the health of the pensioner - liver diseases might crop up and cut the life of the binge drinking pensioner short. In retirement the senior citizens have enough time and money at their disposal. They should be in control and drink responsibly in order to maintain good health. Don't drink like a fish for you'll become more irresponsibly than a fish. A decision made out of excess drinking is usually impaired..
Bid farewell to irresponsible gambling
When senior citizens retire they should avoid becoming habitual gamblers.They might end up losing their hard earned pension to the casino. through gambling. Gambling can be addictive and cancerous. Once gambling is started it might be difficult to control the habit - be warned be in control..
Avoid public indecency and fights
I have heard of pensioners who are fond of shouting and scolding passers by standing on their balconies. If its dementia it is advisable to get checked but some of those who do it just do it because it is within them and they are naturally bullies.Pensioners should at all cost avoid squabbles in the community - fighting at their age is an embarrassment to the community and their next of kin. They should aim to be the salt and the light of the earth. They must be the torch bearers of responsible behavior, They should lead the way in showing and teaching the community how to live and enjoy life to the full - they are role models in the neighborhood. Every one envy what they achieved - to work so long and be rewarded for that. All pensioners must shun public indecency every one look up to them for good morals. Don't be labeled a public nuisance carry your dignity avoid streets fight.
Avoid being 'sugar daddies' and 'sugar mummies'
Senior citizens who have retired should not start new relationships with people much younger than them. Retired ladies should not fall into trap of dating, younger men ,good enough to be their sons or grandsons. Likewise retired senior citizen males should not date these younger charming ladies. Why do I say so? Their age gap shows that it would be a relationship or marriage of convenience, usually the young ladies and the younger masculine males are there to milk the money of the pensioners under the guise of love. These younger lovers most of them are gold diggers. In most cases it would not be genuine love, there is no genuine love at all, be warned. Senior citizens who have retired should guard their pension jealously, they should avoid being 'sugar daddies' and 'sugar mummies'. If they want relationships they should date people their age. Indeed with all respect birds of a feather flock together.
Be on the watch of gold diggers and opportunists
A lot of opportunists would be eyeing for a slice of their hard earned dosh and they would leave no stone unturned in enticing them into relationships. If the senior citizens have the money its better for them to spoil their granddaughters and grandsons rather than on opportunists eyeing for their pension. They should have eagle's eyes to watch out for the 'Judas kiss'. There are many out there who would come to them and pretend to be good Samaritans yet they are ravenous wolves waiting to lay hands on their hard earned money. Senior citizens should know that they are targets. They should be watchful of chancers and gold diggers - they should be on the watch and put a stop to these gold diggers.
Male pensioners should avoid having kids
Senior citizens on retirement, men in particular are free individuals who can make their choices, but it is not in the interest of the kids for them to start having kids at that age. There are many problems associated with having kids at an advanced age. A few examples are as follows, financially it would strain the senior citizen. The children need a proper education and a sound upbringing. Another issue is that, would they be there for these kids in the next twenty years if they are in their seventies? These children need active involvement of their parents in various activities and hands on care as they grow up. The age of these parents may not permit them to have effective involvement in raising the children. Children need to go outdoors and have some fun with their parents - having children after retirement have more drawbacks than advantages. Children born in such a scenario are likely not to enjoy teasing their daddies in the park or playing hide and seek in back garden.
Avoid relocation
Senior citizens should not relocate after retirement this has its problems. If one wants to relocate to another country it is advisable to try it before retirement and see whether it works for you. If it does not work one can still pick up his life in the country of origin among kith and kin. The means and the power to start again would be still there unlike when one has retired. If it doesn't go according to plan after relocating one can be grounded and die a depressed being far away from home with no-one to provide the essential care needed.
Avoid being good Samaritans by lending large sums of money
Senior citizens on retirement should avoid being good Samaritans by lending people large sums of money from their hard earned pension. Pensioners are vulnerable, people would take advantage of them and would con them. As senior citizens you have done us proud by working so hard to make our economies tick, It is now time to take good care of your hard earned pension, enjoy life to the full whilst in control of your wallet and acting responsibly. You are the cream of the crop you deserve better. Happy retirement and stay focused and be in control of your finances.
Avoid Online Dating
Online dating should be avoided by pensioners because there are many wolves in sheep's clothing who pray on vulnerable elderly pensioners.They wood wink the pensioners to send them money as a result many end up losing their hard earned money to internet fraudsters.Stay informed and safe to enjoy your once in a life time retirement.
