• Life Wise Hints,  Retirement

    The Naked Retiree…..develops resilience

    In my last post, I wrote about the changes to the age pension and retiree’s needing resilience. The world around us is changing and not all for the better particularly with the cost of living.  The Australian Farm Institute tell us that Australian consumers are facing increasing food prices. The article confirms my experience that beef is expensive. Fruit and vegetables will also cost us more due to demand for local supply alongside export demands. Read more about the expected price hike on food here. The naked retiree needs resilience and resourcefulness to live with a declining income and an increasing grocery bill. We can all show our resourcefulness by…

  • Retirement,  Socio-Political

    The Naked Retiree and Resilience

    I believe that developing resilience is a key for many older Australians who are heading towards the status of a “naked retiree”. It may not happen in the next week, month or year but with the current changes regarding the age pension it will happen, unless of course what comes is that unexpected windfall – a lotto win or an inheritance!

  • Retirement,  Socio-Political

    The Naked Retiree….shopping

    For the naked retiree shopping is not what it used to be. When at work, for many, it was a quick dash to the supermarket before going home or late night shopping and hoping that the teenage children would not want to tag along. I have come to recognise the naked retiree’s in the supermarket. They usually arrive early in the morning to miss the maddening crowd as the shops get busier. This also gives them time to wander the aisle’s looking for bargains. The smarter naked retiree, due to less money in the bank account, will have a shopping list and generally stick to the list. Other naked retiree’s…

  • Retirement,  Socio-Political

    The naked retiree

    This post titled “the naked retiree” is the beginning of a perspective of what is happening in Australia for older Australians. What does it mean to be a naked retiree? It is not about going to Alexandria Bay Beach on the Sunshine Coast or skinny dipping in a backyard pool.  It is about the political landscape in Australia and its impost on older Australians. Politicians are our country’s custodians. They are elected to manage our country, our wealth, our health, our future. As an older Australian I am interested in how older Australians are faring in this “great” country of Australia. Even while I write these words “great country” I…

  • Out and About,  Retirement

    An Adventure Holiday

    An adventure holiday has been the reason my blogging has been non-existent for several weeks! If I had an iPad or a lightweight laptop I could have blogged every week but as adventurous as I am I have not ventured down that path. Going on holidays these days you find free Wi-Fi wherever you turn. My excitement though soon turned to disappointment as time after time my mobile anti-virus told me there was a security risk with the free Wi-Fi. Therefore, there was no free Wi-Fi for me! Every holiday is an adventure but for me it is more of an adventure if you are constantly on the move. And move…

  • Life Wise Hints,  Retirement

    Retirees down in the dumps

    There are many retirees today who are “down in the dumps”. This could be due to financial, health, relational or emotional factors. I read another blog earlier this week about the experiences of a man (let’s call him Dave) who retired from a “high level” government job. His job was his passion and at his own admission his identity was tied up in his job. After a year of retirement he could not cope and found another job. After a while he discovered that was not working for him either. Dave does not want to get involved in retirement activities such as learning to play a new instrument, learning a…

  • Life Matters,  Retirement,  Socio-Political

    Older and bolder…

    According to the Australian Government’s Intergenerational Report 2015 our population is getting older. Yes, we are all getting older, but are we getting bolder? As older people are we brave and fearless as we face the future? In Australia we have the longest life expectancy in the world. It seems that my “One & Only” (O&O) and I can live well into our nineties therefore we need to plan for the future or at least prepare for it as much as we can. But how much can we do in the here and now? And will we have others to help us in 10 or 20 years down the track?…

  • Life Day By Day,  Retirement,  Socio-Political

    Times are a changin’

    The times are a changin’ for me and my “One & Only” (O&O). We made the decision to downsize and it has come to pass. No longer are we custodians of about 3 acres of land. As much as we like space around us we decided that in our retirement years a smaller block of land and a smaller house would be ideal. Yes, the times are a changin’ and we find ourselves in suburban Toowoomba. We have already transitioned from one place to another and now in transition from one home to another. We love Toowoomba and all it has to offer. I grew up in Toowoomba. We have…

  • Money Matters,  Retirement

    Reverse mortgage warning

    A Reverse Mortgage or Home Equity Conversion Mortgage (HECM) loan enables Senior Australians over 60 years to access the equity in their home as security to borrow money. This can be taken as a regular income stream, a lump sum, a line of credit or a combination of these options. Seniors who contemplate a reverse mortgage are often asset rich but cash poor. But is a reverse mortgage a good alternative to downsizing or some other solution? To begin with I am not about to venture into the territory of securing a reverse mortgage. My interest comes from reading about the availability of reverse mortgages and the experiences of others.…

  • Life Day By Day,  Retirement

    Home Maintenance

    It is the time of the year with the cooler weather in Queensland that is the perfect time for home maintenance. We seem to have been working on our home maintenance forever! Partly we were hampered by the hot summer weather which started last October and then the rain. But the great news is that we are making progress. It is always rewarding when you look back on a back breaking job and see the finished product. What I have learnt over the years is that it costs less and takes less time if repairs and maintenance jobs are done regularly. There is nothing more disheartening then looking at a…