Pension is a change challenge

In plane Garuda (Indonesian Airline) on the way to Jakarta from Surabaya, in side I sit a interesting men of my attention. " How old are you, Sir ? " my question. " I have age 62 years," he said. In that age I see he its fresh still, skilful and healthy. In consequence I am question, " Is your Job, Sir ? " Retired Mr.," he said. Whew retired is work, my mind. I asked again, " How much your age when you are retired, Sir ? ". He answers " I have been retired since 7 year ago, at the time of having age 55".With life expectancy which excelsior, that is ; 70, 80, 90 years, at era now retirement age is 55 years. In general in age 60 annual of people still in condition of fresh and productive.

Returns to people in side I, I am question, " What done by Bapak now / is you activity the existing ?" " I have no activity / package work, out of job," its reply is brief. " Usually I visit grandchilds. One months in eldest chlid house in Jakarta, one months again in daughter house in Surabaya, then to Bandung in youngest chlid house. so my work am the existing only circles "

“Most is activity of friends after pension ? You seems to be fresh still," asked me again. He answers, " Something still teaching in university, also there is implementing business x'self and mostly jobless."

This thing became my idea that if age we enter pension. Does which we must do. Possibly something gets call for liver or call for opportunity becomes entrepreneur . By becoming an entrepreneur hence can be told " pension have never" because poison until stripper age still work always. I have never can imagine how the taste is the pension. If I can wish can work always, not because of having to does, but because love, because liking by what we to do. Even my friend having age 67 years, still can look for new businesss.

But for friends working in company and has entered pension, hence the pension must still be faced and we to draw up, how ?. Tries looks for things making you love to do it. Possibly acupuncture learning, traditional therapy learning, astrological learning and hongsui, learning menyanyi or plays at music, or any kind of is at the discretion of at you. Most importantly is the work will make you to feel ' enthusiasm' ( passion!!!) when doing the work.

Important according to I am conformity of the job/activity with hobby of our liver. Looks for new ability of which able to be sold like teaching, gardens, or cooks. Ahead because still getting into stide in big company, you are no time doing this thing. Now You can open former Kecil restaurant restaurant not necessarily big. But this this work must really you thinks much of and preoccupies to be done. And searched for always opportunity to increase the your ability. This thing will become you stock when entering a period of pension.

Many other alternatives to pass the time you a period of pension, but is better if that has been prepared before all by trying to learning or makes network / network with certain people or by doing partnership or any that. Portion or luck is an opportunity meeting with a preparation. Prepares x'self you in advance.

(Source of article : Tanadi Santoso)

Is which be better if done after pension ?

A few last years when I still working, often I get question, which intended to ask preparation any kind of which I had done to face pension time. Gets question like that I becoming confused and sorrowful to answer it, because I had not drawn up any face pension time. I need to be known that finally I call it day retired cum right since beginning of 2006 and at this opportunity I will try writes answers to the question in this blog. Problem which I write is result from observation and experience of the pensions, also from training result which I followed to open effort for retired time and from various sources.

Why constantly require does activity?

Of course, after a period of pension, we still must be active does activity, don't know in the form of social activity, and or activity which can add economics value. This activity also enables we to meet with many people, so that there are interaction, and has material expostulated. According to explanation of psikolog, and the other expert, man who pension has must remain to be active applies its the brain, to slow down Alzheimer's disease. Is slow down Alzheimer's disease can done with reading? Simply the answer is no, because if only reads, hence that is passive activity. Activity categorized trains brain, re- inter alia contents of article read the, by writing down it to return or its the fable at others.
In my company, there is retired preparation time during one years, we have been inactive worked, but still be paid up. Expected in a period of one years is, we had had choice will which was done after comes pension time.

Activity choice will which we do ?

Of course activity area choice does which we must do, hardly depend on nature and each interest. Which must be remembered was age is not young again, so that doesn't choose work having risk height. So, even so chooses having entrepreneurs, better choose simple, from the cradle, so that will recognize risk and likes his sorrowful since beginning. Doesn't directly starts business with big capital, because if loss, non hobby obtained, instead would lying in hospital because stroke.

There are some friend who is strarting entrepreneurs since 5 year before pension, and this which correct. More than anything else if strarting business at the age of 45 years, besides children have been enough big, also capital has enough collected. At the age of like that, possibly has had high position, so that we only focus to work and no time to thought of other business. Also must be ism that strarting new business, requires special attention and cannot be underestimated.

How to take choice work done after pension ?

In my answer to one of friend blog asking this thing, I suggest to do SWOT analysis. Is Strength, Weakness, Opportunity and its the Threat. This thing also which I do before I to decide, activity of what I do after pension. To take choice this, can be assisted by chlid, or husband & wife, because sometime we our own eigenvalue cannot.

Is which be better if done after pension ?

That moment, I and husband starts thought of about minimum operating expenses for household which must be released each month, cost for children is continuing school ( thanks can until S2), weakness of physical of me, and ability any kind of which able to be dug. Also this activity must be popular, that we do it is happily;gladly. Finally is agreed on, that work which I would do, be work which do not too tires in physical. Coincidently I of course long time back had become professional instructor staff in an education institute, thus after MPP (preparation time nearing pension), I sometime teachs in instituting the, if matter required as according to my interest.

My friend, one years before pension, builds resort in Kaliurang, there there are fishing pool, and sells various ornamental plants . Based on my observation, its the fishing pool many visited by people, especially at Saturday and Sunday. While other friend, opens restaurant in region Bandung, and there are also friend who is opening clothing store and need goods of woman in ITC Bandung. Friend who its the house close to university campus opens rental of room. Of course, these all having to accomodated condition of ability from husband or wife. Friend who is opening restaurant, its the wife is of course likes cooks, so that although she employs cooker, hence employer can monitor likely. But is between altogether, also there is only did social activity, and they seen happy.

So, in principle is do activity with blithe liver, either public spirited, and also the is economics value. For the things strarting business at the time of have been stripper, be better if business is from the cradle, so that its the risk do not too big if happened failure.
Hopefully this thing can assist for they which pension would , in business to draw up activity at the time of pension. I hope hopefully there are friends ready to add or renders opinion or sharing experience of here, good for which has experienced a period of pension, or from observation to father / mother or other fraternal, active does activity after pension.

20 Tips , for preparation nearing a Period of Pension

1. Most important is that you must face it in relax. Tension and dread will not make better anything. You can mirror and learning from experience of success and failure in the past, to become future plan material.
2. Many smiling and laughing will make you to have many friends which will give happiness in life
3. Executes this life may not untimely, but also doesn't too easy going, enjoys every moment which has elapsed in living you that you can thank goodness and feels enjoyment of life truthfully.
4. Activity plan create every day
5. Does interesting social activity and starts walking career in life of post-pension is accompanied by optimism that your life will become far better again from before all
6. Pension do not mean when where you must think of to kill time, on the contrary you must think how so that you to exploit time as good as possible to deliver best things in your life hereinafter.
7. Didn't like keeps silence or lets out of job x'self and ponders because will only awaken emotion and negativity mind only
8. Takes care of condition and health of your body by the way of diligent processed raga and good diet that you doesn't fall sick
9. Lessens and eliminates ugly habit like smoking, consumes fatty food of height, consumes grog or junk food
10. Takes care of condition and health of your body by the way of diligent processed raga and good diet that you doesn't fall sick
11. Go visits places draws with couple nor your friends
12. Contacts your friends either through letter, enamel nor telephone. Who knows there are something new and interesting of which able to be got
13. Maintains and develops hobby which during the time no time executed or elaborated by limitation of time
14. Read many books which able to awaken your motivation
15. Does sport or togetherness activity with friends who in character easy going
16. If enabling, takes interesting brief courses and supports hobby or instead can assist increasing is skilled ness needed to elaborates new business
17. Doesn't discharge habit of your prayer and spares time every day several times to discuss and discuses with God
18. Doesn't let pessimism to master your mind and feeling
19. Tries paying attention to around you and sees, who is requiring your attention but till now falls into oblivion because your workdload ? Searching also, such part of your life that need to be set right ? Even your family have never had recourse you directly do not mean you is not required. So, thus first person having initiative to involve in household activity.
    
20. Tries to thought of business or new business, or starts thought of elaborate new work of which more fitts in with your age and hobbi. If need to invite member of family or friends closest you to involve in it.

( Source of article : Jacinta F Rini, Team e-psikologi, Jakarta, 2 October 2001)

10 Tips : That You No " PIKUN" ( Forgetful )

By following some this simple tips, hopefully disease forgets the can be avoided :

1. Focussed x'self to hear and lessens talking. The reason is, by hearing will push our to be more concentration.
2. Discipline on a diet. Does healthy diet with consuming rich food of protein, beside also fruit and vegetable, will give injection ' energy ' for brain.
3. Labours to lessen even possibly avoids interaction with they the always thinks negativity. On the contrary develops always positive idea. Because thinking positive of that menstimulir brain job(activity process can.
4. Avoids consumes fatty food of height. The reason is the fats can cork blood supply artery channel which is to brain.
5. Read, read, and read. Well-read by alternated to plays at puzzle is a real practice good for brain. Hence, filled your spare time time with various reading types, from which finite fiction even a weight something not really.
6. Drinks vitamin, especially vitamin E and supplement containing element of zinc. Various researchs shows if both the element can assist slows down premature ageing process and increases memory ability.
7. Doesn't consume alcohol redundantly. Too much alcohol it is said will kill brain cells inch by inch.
8. Plans always interaction activity with others. Because which its(the name the socialization it is said can dissipate feeling slack at brain.
9. Avoids consumes drugs which is not necessarily. Reduces body weight, blood pressure, and cholesterol rate in body sometimes more ampuh with diet and athletic compared to drugs. Besides labouring to study and knows side effects from drugs which you drinks. Barbiturate for example, it is said can result loss of memory.
10. Tries to schedule athletics routinely in your agenda. The reason is, the activity can launch circulation of blood to brain.
    

So, please try, hopefully is not told, " Caution has started infected " forgetful disease ". 

Always Healthy in Old Age

Requirement of calorie at elderly (“lansia”) depended from age, body height, body weight, activity, and there are not of disease accompanying it. In line with increasing of age, metabolism of body and ability of organ digests will decline so that asupan food and beverage of abundant able to become work load for body organs which lansia have also. Asupan eats at lansia influenced by matters like economics social factor, physiology, pathology and lainlain.

Changes happened at elderly "Lansia", inter alia is :

• Generally change of composition of body happened is composition of increasing fat, composition of decreasing body fluids, composition of decline muscle is accompanied by degradation of bone structure. The example muscle structure which weight. around 40% from body weight gives contribution 20, 25% to metabolic rate.
• Besides organs having high metabolism activity like liver, brain, heart and kidney gives contribution 60 - 65% to metabolic rate. At elderly “lansia” happened degradation from organs activity which I mention this tadiHal calls it, need to be paid attention that giving of nutrition at elderly “lansia” adapted for the requirement, that quality of the health still awake carefully.
• Degradation of body weight ( BW) at lansia is factor which must be taken heed, because influencing its(the mortality. Research done in a Panti Werdha (home for the ederly) to show elderly “lansia” experiencing degradation of BW more than 10% during 6 - 36 months, got its(the mortality equal to 62% within 3 year, while at elderly “lansia” which is not experiences losing of BW the mortality only equal to 42% in the same range of time.

For the reason nutrition support from that is good at elderly is a real important thing to maintain quality of optimal life and health. Nutrition given, must be adapted for the appetite, situation eats, food type, and way of giving of the food.

At some elderly “lansia" something has excessive appetite, this thing gives unfavourable impact because in line with increasing of age, metabolism of body which has declines, ability of digestant organ will decline. " Giving of abundant food and beverage is work load for body organs which have also became light,"

( source of article by : Grandfa, September 05, 2007 )

DRAWS UP PENSION ??? WHY NOT !

How much is your retirement age? Some people interprets pursuant to company. Calls just of age 55 years. For an the employee is ideal age for pension. Kemana endlessly to after pension. Did only burn a hole in pocket result of pension. Just brief if normal condition of allowance fels that is used to finance life after age 55 years.

What is going, if the imprecise employee draws up a period of the pension , money is having any the numbers will surely all gone. The only stress because usually received salary each month, there even exist addition of money for having certain position. Now has changed, has doesn’t have money, has doesn’t have friend, has doesn’t have community/network and even physical has started pain – cranky and present not productive again. For which is not wish to that way , it is better we draw up our pension earlyly. When draws up it. Yes present, at the time of you are this article read , better have owned desire to draw up. Why ?

Is the pension ?
According to me , pension do not mean calls it day, still work but not anymore as employee is working for people other / company but working ownself create.

When starts draws up pension ?
When we still becoming employee, let us opened small-scale business formerly uses rest of our salary, calls just of notions. Location yes is house us, can in terrace, in garage or we are rent 3 meter x 3 meter in gangway near by house. Who is it’s the human resources ? husband/wife can or possible children in schedule innings takes care of it, or all employee payee. Its way how ? Just shopping of goods - notions that is usualy consumed by household mothers, in grocery shops, will surely earn oblique price, trus we are learning setting selling price. Easiest bought in shop around house which have been establishing. More and more stripper we are understand how suplly and demand, we soybean cake will how vieing with them.

Why oppositely started at the time of still working to become employee. In short like this, if bankrupt from we learnt business isn't it able to work. So I think is better if we to try a business to drawp our pension. So, if the merchandise has started is boisterous and needs serious handling of we can recruit the human resource which more qualified which it is of course indium return also will yield nicer profit. If income from operation we have replaced our emolument, I think that have been very good. And hereinafter up to you, always works as employee opening business or focus in effort for you.

If you decide pension actually doesn't call it day, but only move kwadran from employee, to as of ldf employee, business owner or to all investor. Nothing that is not can. Actually pursuing development of the someone actually is having cold feet ownself, too minimizes x'self potency, weakening autosuggestion or ugly experience of others. Hence, to strengthen realizes you desire tries interacting with people success, reads book about mativation, follows seminar - seminar, and trains intuition of you business , I am sure during which is too not stripper will realized you desire.

Draws up you pension from now on also.

( Source of article : dc2_minimarket in Saturday, 2008 Augusts 02)

PROSPEROUS LIFE, HEALTHY, FREE FINANCIALLY IS A PERIOD OF PENSION, IS IT POSSIBLE THAT ?

Pass Seven Independence Pillars offering practical stages;steps of is earning you to take in age is having any where you to wish pleasing future and self-supporting financially. Seven financial independence pillars during pension is : 

1. First Pillar : Position Thanks goodness 
Center financial freedom is position thanks goodness obligingly, that is a spirit of heartfelt for thanking goodness to God to every blessing given, either small and also big. With liver full of this thanks taste will emerge gladness ? joy naturally to share with spiritual and social community and each and everyone who you meets. 

2. Second Pillar : Commitment To Health and Vitality 
Core from this pillar is know that the important health for (a) assists obviates big disbursement for medical expenses, and (b) fitness, energy, and vitality which you would require to enjoy active life style and pleases. 

3. Third Pillar : Free Of Leverage 
Leverage which Saya intends here is owing consumptive, for the purpose decides and doesn't have ever involved leverage. Habit " Buys Now, Payee Forever" has robbed your future because you pays for past. 

4. Fourth Pillar : Tube Discipline in Savings  
After consumptive leverage of you decreases, you menyimpan will be able to more moneys for the future. This thing brings us to fourth pillar: discipline saves. Where some of the moneys will be transferred at unforeseen fund back up for living cost between 3-6 months to can overcome requirement of sudden life. Your Commitment saves is in the long term because you menikamati gain can be extraordinary from profiting savings in tax, what enables you to lessen tax load and delays income tax. 

5. Fifth Pillar : Invests in to Grow 
Saved only casts aside a number of moneys; investment meaned applies the savings that increasingly grows along with time. Even depositor clever to be even a will surely experience insuffiency if they to save money place which " safe" like bank account, money market, saving deposit and bond. For long-range pension savings, better of you applies money in more aggresive. 

6. Sixth Pillar : Protection of Leg asset 
That you takes a care to has you have woke up crucially, this book also will explain insuramnce pawn type which will only throw away your money. 

7. Seventh Pillar : Source of well guaranted income 
Under consideration this will answer fear of the retired candidates: " Will I run out of money ? Do I must move and follows my children or bases on government ?". This seventh pillar will show us how changing leg asset we to become a certifiable production stream. This thing will guarantee we to have money which we require during we still require it, if it is combined with wise expenditure. 

If You wish to know furthermore as for Tujuh Pilar Kemandirian, hence I pleased to read book : " The New Retirement - Reachs For Financial Freedom and Kehidupan Impian Anda in Pensiun ", by Dan Benson. Publisher PT Popular Science Nature ( BIP) Group Of Gramedia, Jakarta - 2005 ( Recommended by Asti Sri Purniyati ) 

Dare To Retired Early ?

Why should which very is daunted (for fearing) and a period of which very is taken a fancy to (for we are ready), Management good pension of course will make we increasingly calm and balmy. Each and everyone pension will surely, and having any your age are present, pension is moment which you would face. Because pension is a certainty hence properly each and everyone prepares x'self to enter new era in the life. Psychological preparation, mental-spiritual, health and of course financial.

Be question of necessary for all employee: do we have ever thinked of pension? Does You worry enter a period of pension? How do you manages finance in when pension in the middle of distortion of inflation and tax lessening purchasing power ? To be able to experience a period of pension carefully, required preparation, one of them is is preparation in finance-related. Fund owned by retired must be developed in such a manner causing can give result larger ones to finance requirement of retired life, especially for healthcare that is increasingly day increasingly expensive. Retired source of fund usually comes from Jamsostek ( labour social security ), from company pension fund program as well as person saving.

The experts tells that many problems menacing the pensions and the matter far more seriously than often is thought of people. Family problem ending in divorce, problem didn't work again ( pension) and health problem, especially heart trouble, be dangerous threat to all retired. In this relationship need to be paid attention some advices following :

• Tube before coming a period of narrowing you, Doesn't delay, starts saves by now for pension later.
• Determines realistic target : Estimates how big fund which you would and family requires for pension later.
• Insurance : protection of X'self and your family with insurance for health and disability. WILL pension fund which we muster to be enough ? ( stays how much/many month…?)
• Takes care of health : with nutritious and healthy food, athletics, does inspection of health regularly ( regular medical checkup) and looks for way to eliminate stress. Health of physical and bounces retired usually increasingly declines along with increasing of age, and this of course requires ever greater fund for its(the keeping and treatment.
• Invesment Early Excess of fund now we allocation can for any invesment its form
• Takes care of fullness of your family.
• Works half-times : Retired having expertise and special skilled earned always does work of half-times in when pension. By working, hence you will be able to always socialization with various party(sides as well as will get addition of earnings to close over requirement of life.
• A Pension can choose to move and permanent in calmer area and with cheaper living cost. This situation can increase quality of life and can lengthen age.
• Prays : Diligent more important executed religious service, candid, patient, thanks goodness enjoying and " x'self surrenderness".

What with we now ? Do we have prepared x'self to face a period of pension which will come ? What preparation of member of family in facing comes it a period of your pension ? Is your plan in pension later? Worry does just which you faces when pension ? Invesment type what is compatible for you are in pension ? And type effort for what is suited for filling your pension days later .

Ready we ? Doesn't be delayed to thought of this. At the time still be young and has ability hence soon to start your pension plan. Are we pension dare to earlier now ? This thing depends on how we to measure our ability.

( Source of article : OHAHTTP://ROHADI.WORDPRESS.COM - August 8, 2008 )