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Top 10 Ways To Take the Fear Out of Retiring

1."What do you mean, you hate to travel?"

Have you and your spouse actually sat down and discussed how each of you envision retirement? If your dreams are completely opposite to your spouse's both of you are going to be disappointed. Talk honestly about your retirement plans and goals before you get the gold watch. Be creative and open to compromise, so that both of your dreams can come true.

2."You mean, you're here ALL the time, now?"

Spending all this quality time together may seem like a wonderful idea, but remember, you both have daily routines, some of which may have been 30 years in the making. Also, you're not used to spending 24 hours a day, 7 days a week in each other's company. Recognize and respect the needs both of you have for space, as well as each other's routines.

1."What do you mean, you hate to travel?"

Have you and your spouse actually sat down and discussed how each of you envision retirement? If your dreams are completely opposite to your spouse's both of you are going to be disappointed. Talk honestly about your retirement plans and goals before you get the gold watch. Be creative and open to compromise, so that both of your dreams can come true.

2."You mean, you're here ALL the time, now?"

Spending all this quality time together may seem like a wonderful idea, but remember, you both have daily routines, some of which may have been 30 years in the making. Also, you're not used to spending 24 hours a day, 7 days a week in each other's company. Recognise and respect the needs both of you have for space, as well as each other's routines.

3. Money matters, and so does peace of mind.

If you haven't done so already, contact RIS to discuss how to best manage your assets for the long haul, as people are living longer and longer. Get your pension plans in order so you know exactly where you stand and what options you have. Update or write your Will, and Power of Attorney to help guide your loved ones through a difficult time.

4. Use it or lose it.

It's not just a cliché. Maintaining some level of regular physical exercise, whether it's walking, gardening, or golf, can help improve balance and retain flexibility. If you feel like
you need an ejector seat in your comfy chair, start small, but start, most local gyms and health clubs have special over 50’s sessions, why not get fit and social!

5. Where did I put my keys?

What's good for the body is good for the mind. Studies have shown that working your mind is key to staying mentally sharp. Experts recommend a daily crossword puzzle, or a game of
Suduko along with your vitamins and apple a day.

6. Set limits.

"Oh, Mum can do that; she's retired." Your time doesn't become less valuable once you retire - although others may seem to think so. There's nothing wrong with helping out, so long as you're not ignoring yourself. Remember to respect your own time and plans; and soon others will, too.

7.Clean out your closets.

As many retirees and empty-nesters downsize they realise that they just don't have the room for everything anymore. Rather than waiting until the last minute and feeling overwhelmed with the size of the job, start now and take small bites. Clean out your closets and put together a bag for charity. Who knows, you might find something worth taking on "Antiques Roadshow!"

8. "So, what do you do?"

Ever get the feeling that people stop listening once you tell them you're retired? One of the hardest parts of retirement life is realising how your job made you feel appreciated, competent and maybe even powerful. Your talents, skills and gifts didn't evaporate when you walked out the door on your last day. The first step is recognising what you got out of the job - it was more than just having a place to go every day. Step 2 is finding new outlets for all you have to offer.

9.Try something new.

Now's the perfect time to live out that long hidden dream, learn a new skill, take a class or pick up that hobby you dropped because you just didn't have the time. If anything seems the least bit interesting, learn more about it. Become an expert in something. Learn to cook Indian food. Try Tai Chi. If you don't like it, try something else!

10.It's not just about you.

Your talents, skills and gifts don't have a limited shelf life and will not disappear now you’re retired, consider using them to give back to the world. Your most valuable asset is your time - and your church, your local volunteer groups and a whole host of others need people just like you.

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