ExtraCare Traditions 9 — Going for Gold

This blog follows on from earlier posts on the subject of ExtraCare Traditions.  They can be found by clicking on “EXTRACARE TRADITIONS” in the TAG CLOUD.

The common thread that runs through all of the work at ExtraCare was the theme of “activities”.  It wasn’t that everyone had to participate, but our aim was to provide such a range of opportunities that everyone could find something to do.  Although we regularly gave prizes and awards for the activities, participation was focused on fun rather than educational achievement.

The 1992 Sports Day kicked off a lot of sporting activities which are covered in my post “ExtraCare Traditions 3”.  It was followed in 1994 by the celebration of a much wider range of activities in the Elderflower Festival which is commented on more fully in “ExtraCare Traditions 4”.

Eventually we built on these activities to the point where there were 82 different activities that it was possible to take part in, in ExtraCare.  To record this, we came up with the concept of “Books of Life”, which created for residents a diary of the things they took part in complete with photographs.  Most residents took part in only a few activities but some made it a challenge to take part in as many things as possible.

To celebrate this we gave out Gold medals to all the residents who completed all 82 activities.  This became known as Going for Gold.   Every year, residents who completed the Going for Gold challenge, were asked to submit their Books of Life and these were then judged by a celebrity panel.

The prize for the first medal winners was Tea at the Dorchester Hotel.  Subsequently, thanks to the link we had with the Dorchester Hotel, many other residents were able to enjoy their teas.

The first big prize we had as a Going for Gold award was a trip to the Commonwealth Games in Melbourne in 2006.  15 residents, who had all completed the award, spent a week in Australia including a visit to Sydney.

The following year the award was a trip to Las Vegas where they mightily impressed a group of American seniors who were attending a conference on ageing.  They also had a lot of fun playing the slot machines 🙂

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“Equity Release Conundrum”

This follows from my previous blog.

Equity Release should be an answer to people’s prayers.  Having saved all your working life to buy a house, you should have a nest egg if you need it later in life.

But unfortunately it is not that simple.

On the face of it, it should be easy to raise money against the equity in your house, and equity release companies will tell you that it is.  You can have cash and stay in your home.  Even better you have nothing to pay until you sell your home or die.

The trouble is that if it sounds too good to be true, it usually is.    Most companies will only lend you a small percentage of the current value of your home – around 40% is the best you can get, because they rely on the remaining value to pay their fees and the cost of the loan.    These are generally twice as high as a normal fixed rate mortgage.   Currently 6.3% compared to 3.3%.    The higher cost is to cover the fact that there are no repayments and the uncertainty of when and whether they will get their loan fully repaid.

The other big catch is the “early repayment charge”, which is triggered if you decide to sell your house – typically if you go into a care home.    These charges can be very high, without any obvious justification.

Equity release acquired a bad name 20 or 30 years ago for miss-selling and little has been done to improve the situation since then.    It still seems like an expensive option.  Nonetheless, last year equity release lending reached a record high of £1.4 billion according to the Equity Release Council, up 29% from 2013.

Many older people who use equity release are asset rich and income poor and if they need additional money, it may be their only option to raise cash.    Sadly lenders seem to be taking advantage of this.

The equity release market is opening up rapidly with the number of new financial products nearly doubling in the last year.    That should be good news for the consumer.

It could release billions of pounds for better care or it could be a new scandal in the making.

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“Equity Release Unreleased”

I have long argued that most older people have the financial solution to a better old age in their own hands.

(See my earlier blogs related to this by clicking on “EQUITY RELEASE” in the TAG CLOUD).

People of 65 own nearly £1 trillion in the value of their homes and nearly 80% of older people are home owners.

BUT,    and there are lots of buts :-

  • BUT   most people want to stay in their homes;
  • BUT   moving is traumatic in later life;
  • BUT   I can’t get at my money;
  • BUT   why should I pay for care;
  • BUT   I want to leave a legacy for my children;
  • BUT   where can I move to that is better;
  • BUT   I am ok for the moment;
  • BUT   I don’t know how much I need in future;
  • BUT   I cannot insure for care ;
  • BUT   the Government says it will cap care costs;
  • BUT   the Government says I can keep my home;
  • BUT   Equity Release is expensive.

It is all these BUTS that are creating a blockage in the social care system for older people.  Failure to solve the reservations mean that people hang on at home until a crisis occurs – usually ill health.    At that point, other people take over :-

  • Relatives maybe who care, cope for a while;
  • a GP who applies sticking plaster prescriptions;
  • Hospitals who may cure your immediate health condition;
  • Social Services who only, if they have to, will pop in for a few minutes a day;
  • The final step is your home is sold from underneath you to pay for care.

Best not to travel that path, though many do, falsely pressured by politicians’ promises that you and your house are safe in their hands.  Politicians won’t tell you the truth for fear of losing your vote, but the final BUT is that as an 80 year old home owner, you are on your own.

Better to be proactive and use the value of your home to secure yourself a better future.

But is Equity Release an answer ?

See my next blog.

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“Granola Education”

In my endless search for the perfect breakfast, I was looking through the bounteous cereal shelves of the Co-op yesterday and a shiny package of “Lizi’s Granola” caught my eye.  I remember the name from a few years ago when I got into a fight trying to get into a packet.

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I bought some to see if things have improved and because Lizi seems a very nice lady.  Her picture is still on the back of the packet – she’s still very photogenic but I am sure her hair wasn’t grey before.  I hope this is not a Granola side effect ??

Just as I remember from last time, there is lots of helpful, but incomprehensible health advice about Lizi’s Granola.  It has a low GL – that’s Glycaemic Load – so now you know !

The ingredients are all full of nuts and seeds but they also have Oligofructose – which with my magnifying glass to read the small print – I am told is a natural soluble fibre derived from chicory – so that is alright then.

Other bits of useful information:-

  • It’s GMO free – unfortunately it doesn’t explain GMO ?
  •  It also gives the DRI – that’s Daily Reference Intake – clear ?
  •  And finally, be reassured you can recycle the package as plastic : LDPE / PET / BOPP – I think it is something to do with animals dancing ?

Along with making excellent Granola, I think Lizi must have a Phd in food science or even nuclear physics.  But perhaps it is best not to educate the world on the back of a Granola packet.

The good news is that it comes from Barry Island and that tastes a lot better than the sandwiches full of sand that I used to have there on Sunday school outings.

P.s. I managed to open the packet ok.  Perhaps Lizi read my last blog about her Granola. (See “Granola Wars” by clicking on “BREAKFAST” in the TAG CLOUD).

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“Friends” 2

Once you pick up the Office of National Statistics information, you can hardly put it down. (See my previous blog “FRIENDS 1”).

The baby boomer generation changed lots of social attitudes, not least about marriage.  If they married at all, they married later and many went on to divorce.  Social ties for many baby boomers are much weaker than used to be the case in the past. Now for many single baby boomers, marriage is back on the agenda.  In 2011 the number of those between 65 and 70 who got married rose significantly.  Grooms in their late 60’s, increased by 25% to 3,520.  Brides of the same age went up by 21% to 1,990.   I guess the mismatch in these figures either means more men are marrying men, or they are copying George Clooney and marry a much younger woman 🙂 It could be that love blossoms again at 65 or just maybe there are some other reasons:-

  • One house instead of two releases equity;
  • Two sets of skills are better than one;
  • Avoiding the prospect of a life alone;
  • Two can live as cheaply as one;
  • One car instead of two;
  • A travelling companion in later life.

It may not be love at first sight but these reasons can be compelling in later life, in a way that did not come into mind when the baby boomers had not in the 1960’s started to think about the future.

Baby boomer “matching” could be a new trend in our extended later life society for those not blessed with a long marriage.

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“Friends” 1

 

“Who will visit you when you’re old and cold?”

Not a question you think of asking yourself when you’re young.  Then you probably have lots of Facebook friends, but Facebook friendship can be fickle.  It may not last a long cold winter.

Not a question you may have time for when you’re pre-occupied with a growing up family.  Your focus is on them until they fly the next.    Then they are a more distant family with growing up of their own to do.    Not a question you have time to ask at work when you have lots of colleagues, and many become friends.     At work old and cold is a far away prospect.    But work is the tie that binds and when work is over the ties unravel.

In later life you no longer need to ask the question, experience will answer it for you.

The Office of National Statistics interestingly sheds some light on friendships and links it to well-being.    People with more than 10 close friends were most likely to be content with life.    People with between 2 and 10 friends also have high levels of satisfaction in life.  Only two thirds of those with one friend had a high level of satisfaction.  Unsurprisingly those with no friends were unhappiest, with 25% saying they were completely dissatisfied.

There is a strong relationship between lack of friends, loneliness and ill health.     Loneliness and isolation increases with age as family moves away, as links with work colleagues disappear and in later life as bereavement robs you of lifetime friends.

Technology may help bridge the gap but can it visit you when you’re old and cold?   Is this too bleak an outlook?    Maybe Skype can at least provide a virtual bridge, but the connection has yet to be made for the majority of older people.   I know it is not a substitute for close friends, but we need to become a nation of Skype Hot Spots!!

From that new friendships can be kindled 🙂

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“Olive Branch”

In their relentless pursuit of health and wealth, our friends at “Boots the Chemist” have found another breakthrough product.  (See my earlier encounters with Boots by clicking on “Poorly Feet” in the TAG CLOUD).

They have revived an age old remedy known to have been used by the ancient Egyptians to mummify Royalty.  I am not sure that sounds like a great recommendation for senior citizens.  I wonder how Her Majesty feels about endorsing it with her Royal Seal of Approval.

The product is based on the Olive Tree – not the oil or the fruit – but extract from the leaves.

Now for the scientific bit.  It is full of Oleuropein and Hydroxtyrsol which are anti-oxidants that support heart health.  It also lowers Triglycerides which are blood fats linked to heart problems.

You have to say that anything that can eliminate all those long words from your medical records with a few swigs from a bottle must be good for you.

A study reviewed in the Journal of Complete Nutrition, found a twice a day 500mg dose of olive extract reduced blood pressure as effectively as prescription tablets.

So we really have to congratulate Boots on bringing this new product to our attention just 2000 years after mummifying all those Egyptian Kings and Queens.  Our health is in their good hands.

Olivebranch

Just one small problem – OVIVO ORGANIC LEAF INFUSION is £13.00 a bottle which contains 7 servings.  One serving is recommended every day so that’s £2 per day or £730 a year!

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Blogging Around The World 2

In September last year I  wrote a post about the interesting facts that you can get from WordPress  on your blog.  You  can see this post by clicking on 30 September 2014 in the Archive.

Two milestones have just been passed since then :-

I have just reached 100 countries today, when someone from Albania visited the site.   Many thanks whoever you are, you are very welcome.

Secondly and even more remarkable, one of my correspondents — David Freeman — completed his 500th comment.  Congratulations David and my sincere thanks for the humour and wisdom you bring to the blog.

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“Adios Amigo”

I threw away one of my favourite cowboy shirts today.   I had kept it even though it was worn at the collar and torn on the sleeves.   It still had character.   Not like today’s fashionable-for-one-year-only shirts.   This shirt had been fashionable since the Alamo.  Quite probably Davy Crockett wore the exact same shirt.

It was a shirt full of childhood;  of Coliseum cinema Saturday matinees;  of hop along Cassidy;  the Cisco Kid; Roy Rogers; Tonto and Kimasabee.

No wonder I like Texas so much.   I bought the shirt in Pampa in the Texas Panhandle at Wayne’s Western World 20 years ago.   Far too tough and confrontational to wear for business meetings in England, I wore it mainly in the garden at home.   It certainly kept away the Indians!  I have not seen an Apache in the garden for decades 🙂

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Not just a shirt, but a host of happy memories.   That’s why we all acquire so much clutter around us, and it’s so difficult to throw away.

Thank goodness I still have one of Wayne’s cowboy shirts left to enjoy more adventures.

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“Cheylesmore Good Neighbours – taking tablets”

This blog follows on from the previous post entitled “Cheylesmore Good Neighbours – overcoming barriers”.  Other blogs in this series can be found by clicking on “Cheylesmore Good Neighbours” in the TAG CLOUD.

Less than 40% of the UK’s elderly population use computers and the Cheylesmore Good Neighbours group is no different.    The small number of members who do have computers, only use them in very limited ways.     A key to our year ahead will be to encourage people to make more use of computers to open up new opportunities for them.  Having said that, many people have already concluded that this new fangled “techie” world is too complicated to get to grips with at their age.     The mere word “computer” makes them switch off rather than switch on.     So we have quite a challenge ahead of us to change these perceptions.

At the end of 2014 we were awarded a grant from the Coventry City Council of £1500 to enable us to purchase more tablet computers.     We had already been able to purchase five tablet computers with a grant from the GrumbleSmiles Trust.    In total this should provide us with a springboard to take the group further forward in the year ahead.

On Friday 23rd January, we held our first “taking tablets” session which was deliberately announced as a “FUN session” rather than more formally a computer training session.     We initially thought to split the group into “beginners” and “more advanced” users but quickly found that nobody wanted to be seen as advanced.      The session was planned to enable members to get used to tablet computers at a very basic level, but at the same time have some FUN doing jigsaws, writing notes and taking photographs.

Two of the Steering Group are experienced computer trainers and they were assisted by the other four Steering Group members.    Between us our aim was to facilitate three or four members at each table and enable them to get used to tablets.     Some members brought their own tablets which were not set up for our session, nor were they familiar to our facilitators.     This made looking after even only three people at a table difficult.

The first exercise was to get used to using a touch screen by doing a jigsaw.     Not only did this highlight some of the dexterity problems members have, but it also showed how easy it was to accidently switch off the computer, or alternatively press other buttons on the computer which led you away from the jigsaw.     Eyesight on screens smaller than our 10 inch screen tablets was quite a problem for some people.     In contrast, enthusiasm and impatience was another issue that led people to make mistakes.     Still, everyone mastered it in the end and some moved on to bigger jigsaws.     Even better, a few went away with the intention of doing more jigsaws on computers they own already.

Our next exercise was to get people typing on “notepads”.     This proved interesting because several people weren’t familiar with “QWERTY” keyboards, and the pace and firmness with which they touched the screen, altered how the letters appeared on the screen.     These are small issues, but they are important to people who don’t want to look silly if they make a mistake when they are typing.    The good news is that some of the members had previous administration experience and had no difficulty in typing.     After a relatively short time, most people had been able to accomplish adding sentences to the notepad.     A few had even got as far as voice activated typing which was much more FUN!

The final session my group got to do was to use the tablet to take photographs.      This was relatively simple and straightforward and they got to taking “selfies” as well as photographs of other members of the group very quickly.      This will be even more FUN when, in the following weeks, we are able to show the photographs on the big screen or maybe even on the internet.

In many ways the session was chaotic and hard work for the facilitators, but on a positive note there was a huge amount of engagement from almost all of the members.     Many of them are unlikely to have become involved at all if we had just asked them to participate in a computer session.     Even now this session has not transformed them into an eager group of elderly “techies”, but most seemed to have had FUN and were happy to come along to another session.

Our challenge will be to make that more organised but still retain the element of FUN.

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