Tuesday, August 11, 2009

New Blog Site

My new blog site is:

http://richwee.wordpress.com/

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# posted by Richard Wee : 6:11 PM  0 Comments

97 years old doctor & this is what he has to say....

I found this interesting article about a 97 years old doctor in Japan. His motto of "living long, living good" is  very inspirational especially for retirees. 

We can learn how he lives up to lives challenges and ENJOYING them. 

At the age of 97 years and 4 months, Shigeaki Hinohara is one of the world's longest-serving physicians and educators. Hinohara's magic touch is legendary: Since 1941 he has been healing patients at St. Luke's International Hospital in Tokyo and teaching at St. Luke's College of Nursing. After World War II, he envisioned a world-class hospital and college springing from the ruins of Tokyo; thanks to his pioneering spirit and business savvy, the doctor turned these institutions into the nation's top medical facility and nursing school. Today he serves as chairman of the board of trustees at both organizations. Always willing to try new things, he has published around 150 books since his 75th birthday, including one "Living Long, Living Good" that has sold more than 1.2 million copies. As the founder of the New Elderly Movement, Hinohara encourages others to live a long and happy life, a quest in which no role model is better than the doctor himself.
 

Doctor Shigeaki Hinohara JUDITKAWAGUCHIPHOTO
 
 

Energy comes from feeling good, not from eating well or sleeping a lot. We all remember how as children, when we were having fun, we often forgot to eat or sleep. I believe that we can keep that attitude as adults, too. It's best not to tire the body with too many rules such as lunchtime and bedtime.
All people who live long   regardless of nationality, race or gender   share one thing in common:None are overweight... For breakfast I drink coffee, a glass of milk and some orange juice with a tablespoon of olive oil in it. Olive oil is great for the arteries and keeps my skin healthy. Lunch is milk and a few cookies, or nothing when I am too busy to eat. I never get hungry because I focus on my work.. Dinner is veggies, a bit of fish and rice, and, twice a week, 100 grams of lean meat..
Always plan ahead. My schedule book is already full until 2014, with lectures and my usual hospital work. In 2016 I'll have some fun, though: I plan to attend the Tokyo Olympics!
There is no need to ever retire, but if one must, it should be a lot later than 65. The current retirement age was set at 65 half a century ago, when the average life-expectancy in Japan was 68 years and only 125 Japanese were over 100 years old. Today, Japanese women live to be around 86 and men 80, and we have 36,000 centenarians in our country. In 20 years we will have about 50,000 people over the age of 100...
Share what you know. I give 150 lectures a year, some for 100 elementary-school children, others for 4,500 business people. I usually speak for 60 to 90 minutes, standing, to stay strong.
When a doctor recommends you take a test or have some surgery, ask whether the doctor would suggest that his or her spouse or children go through such a procedure.Contrary to popular belief, doctors can't cure everyone. So why cause unnecessary pain with surgery  I think music and animal therapy can help more than most doctors imagine.
To stay healthy, always take the stairs and carry your own stuff. I take two stairs at a time, to get my muscles moving.
My inspiration is Robert Browning's poem "Abt Vogler." My father used to read it to me. It encourages us to make big art, not small scribbles. It says to try to draw a circle so huge that there is no way we can finish it while we are alive. All we see is an arch; the rest is beyond our vision but it is there in the distance.
Pain is mysterious, and having fun is the best way to forget it. If a child has a toothache, and you start playing a game together, he or she immediately forgets the pain. Hospitals must cater to the basic need of patients: We all want to have fun. At St. Luke's we have music and animal therapies, and art classes.
Don't be crazy about amassing material things. Remember: You don't know when your number is up, and you can't take it with you to the next place.
Hospitals must be designed and prepared for major disasters, and they must accept every patient who appears at their doors. We designed St.... Luke's so we can operate anywhere: in the basement, in the corridors, in the chapel. Most people thought I was crazy to prepare for a catastrophe, but on March 20, 1995, I was unfortunately proven right when members of the Aum Shinrikyu religious cult launched a terrorist attack in the Tokyosubway. We accepted 740 victims and in two hours figured out that it was sarin gas that had hit them. Sadly we lost one person, but we saved 739 lives.
Science alone can't cure or help people. Science lumps us all together, but illness is individual. Each person is unique, and diseases are connected to their hearts. To know the illness and help people, we need liberal and visual arts, not just medical ones.
Life is filled with incidents. On March 31, 1970, when I was 59 years old, I boarded the Yodogo, a flight from Tokyo to Fukuoka. It was a beautiful sunny morning, and as Mount Fuji came into sight, the plane was hijacked by the Japanese Communist League-Red Army Faction. I spent the next four days handcuffed to my seat in 40-degree heat. As a doctor, I looked at it all as an experiment and was amazed at how the body slowed down in a crisis.
Find a role model and aim to achieve even more than they could ever do. My father went to the United States in 1900 to study at DukeUniversity in North Carolina. He was a pioneer and one of my heroes. Later I found a few more life guides, and when I am stuck, I ask myself how they would deal with the problem.
It's wonderful to live long.&nb! sp;Until one is 60 years old, it is easy to work for one's family and to achieve one's goals. But in our later years, we should strive to contribute to society. Since the age of 65, I have worked as a volunteer. I still put in 18 hours seven days a week and love every minute of it.

 

 

 
 



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# posted by Richard Wee : 9:38 AM  0 Comments

Monday, August 10, 2009

Getting Conned at Retirement

The Worry

While everyone is at risk for fraud, retirees often face greater risks, as there is a growing number of scam-artists who target retirees. These scam artists hope that the retiree is not only home most of the time, but home alone. This increases the likelihood of them being able to pitch a scam when relatives are not around. (To read more on this topic, see What Is A Pyramid Scheme?, The Biggest Stock Scams Of All Time and the Online Investment Scams Tutorial.)

The Risks

According to Consumer Action, "senior citizens aged 60 and older comprise 15% of the U.S. population, yet they are estimated to make up 30% - nearly one-third - of fraud victims." The North American Securities Administrators Association (NASAA) has dedicated an area of its website to exposing schemes designed to fleece senior citizens of their savings. Unfortunately, in many cases the losses are unrecoverable. Many of the individuals who prey on senior citizens portray themselves as investment professionals with the proper licenses. However, in many cases, they are unlicensed, and/or lack the experience necessary to properly service investors.

In many cases, retirees have paid unscrupulous contractors for work that was never done (or shoddily done), invested in Ponzi schemes and have been generally defrauded by individuals they believed they could trust.

Sadly, family members, relatives and individuals who are supposed to be friends are also sometimes guilty of taking advantage of elderly retirees by abusing the authorities with which they are entrusted, such as using a power of attorney to conduct transactions that are not consistent with the retiree's goals and objectives, or even defrauding the retiree.

The Solutions

Avoid investments that seem too good to be true - usually, they are. Retirees should also check into the background of an investment professional before agreeing to have that person manage investments. One resource is the NASAA, which hosts a Senior Investor Resource Center dedicated to educating seniors on how to protect their nest eggs. Information is also available at the NASD's and SEC's websites.

Check into the background of other service providers, including contractors for home-improvement projects. This information is usually available on state, county and/or town websites.

Ensure that more than one trusted relative or family member is kept abreast of relationships with investors and other service professionals. When family members or relatives are placed in charge of financial affairs, establish a structure in which they are required to provide frequent updates to a party that has only a professional interest in the retiree's affairs, such as an attorney..
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# posted by Richard Wee : 8:26 PM  0 Comments

$aving$ Tip$ Part II at Retirement

This is the second and final installment of the $aving$ tip$. This is extracted from Robert G. Allen's Multiple Streams of Income.

26. Quit that health club - join the local gym instead.
27. "COUPONS" & "DOUBLE COUPON DAYS". Enough said.
28. What's in a name? Buy generic instead.
29. Skip the paper towels - wash your cloth ones instead.
30 Watch out for "convenience" foods - they're expensive and not as healthy for you anyway.
31. Join a warehouse club.
32. "Scan" those scanners and receipts - mistakes do happen.
33. Avoid "pricey" specialty stores.
34. Comparison shop "on-line".
35. Gotta trunk? Buy in BULK.
36. Premium gas for our car? Most run fine without it. Check your manual to be sure.
37. Forget the words "automatic car wash" - do it yourself and get some fresh air.
38. Use that quick-change oil and lub service on the corner instead of a full service garage.
39. Never pay extra for service contracts or extended warranties - the manufacturer's warranty is usually sufficient.
40. Cancel that premium channel you never watch - or cancel cable TV altogether.
41. Don't touch that thermostat - put on a sweater instead.
42. Take a shower instead of a bath.
43. Only run a full dishwasher.
44. Have an energy audit done on your home - some companies offer them for FREE.
45. Never pay extra for car rental insurance - you're probably already covered by your credit card or regular car insurance.
46. DON'T PLAY THE LOTTERY - the odds of getting hit by lightning are better than your chances of winning.
47. Time to refinance your home? Keep an eye on interest rates.
48. Pay yourself first - set aside a dollar a day.
49. Buy a "piggy bank" for all the space change you keep finding in your couch.
50. Don't spend your next pay raise - INVEST THAT MONEY INSTEAD.

There you have it. The full 50 tips. These are all practical tips and I sincerely thank Robert G. Allen for the list.

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# posted by Richard Wee : 8:30 AM  0 Comments

$aving$ Tip$ Part I at Retirement

Saving money at retirement is important. This is because our golden nest is limited. As long as we can , we need to stretch our available nest for as long as possible. I come across a list of money saving tips which I am sharing with all. This is extracted from Robert G. Allen's Multiple Streams of Income.

50 Ways to save $50 (at least):

1. Shop with a list - and stick to it.
2. Just say No to ATMs with fees - plan ahead with your cash needs.
3. Does your bank charge high fees? MOVE YOUR ACCOUNT.
4. Pay off that credit card balance!
5. If you must carry a credit card balance, shop around for a card with lower rate.
6. Look for lower premiums on your insurance policies.
7. Consider higher deductibles for your home and auto insurance.
8. Do you have a private mortgage insurance? If you've built up 20% equity in your home, you can cancel it.
9. Use a mail order pharmacy for long term prescriptions.
10. 'Doc, can I get that as a generic drug?"
11. Check all medical and hospital bills for errors - many insurance companies offer rewards.
12. Rent - never buy - something you'll only use a few times.
13. Turn your yard into a department store - have a rummage sale.
14. Switch long distance carriers - then switch again.
15. Call waiting? Not usually? Cancel those add-on phone services you don't need.
16. Email your friends instead of calling.
17. Skip the movies - rent a video instead.
18. Dine out? Eat in.
19. Lunch is "in the bag" - or it should be.
20. Don't buy that book! Exercise your library card.
21. Free up space in your mailbox- cancel that magazine subscription you never read.
22. Watch a parade or have a picnic - free entertainment is often the best.
23. Turn your car into a 'chat room/" Carpool to work.
24. Join the 'bus crowd' and avoid cab fare.
25. Buy airline tickets in advance - and always stay through Saturday.

Read the next blog for the rest of $aving$ tip$.

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# posted by Richard Wee : 8:03 AM  0 Comments

How Clean is the Pool Water?

Swimming is one of the best exercises for a retiree. It trains all parts of our human body but at our own pace. However, the only concern is when we swim, we are at the mercy of the quality of the water.

Here is an article you need to read about the cleanliness of water you swim in.

http://www.webmd.com/health-ehome-9/swimming-pool-water-safety?ecd=wnl_day_080509

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# posted by Richard Wee : 7:10 AM  0 Comments

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