Retiree Concepts

Random Terms Re: Retirement Transitioning

dictionary-1619740_1920_stevepbThe “new” definition of retirement includes a unique collection of synonyms. Gone are the designations “seclusion,” “privacy,” “withdrawal,” “retreating” and “disappearing” based on archaic models of retiring when the average life expectancy at birth in the 1800s was 38 and in the 1900s was 47. (Merriam-Webster and others still show these words on their online dictionaries!) Now, some of the more creative descriptors for retirement are “renewment,” “rewirement,” “rest-of-life,” “second beginnings,” and “reinvention.” (Also see http://www.cbsnews.com/news/how-do-you-define-retirement/.)

In addition to these, there are a few nontraditional terms that may come up during the passage from full-time employment to “living the dream” (hopefully) in retirement. These will not show up in a typical book for retirees… but, understanding them can “make a difference” through this roller-coaster ride of coping with life-style changes/altered expectations, and finding creative new ways to self-reinvent and thrive.

 

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Marginality and Mattering

Do you feel “needed” and “making a difference” to others? The definition of “mattering” is “the belief that we matter to someone else.” This is an essential part of what author Ernie Zelinski of the best-seller Retire Happy, Wild, and Free emphasizes the importance of “finding purpose, structure, and community in retirement.”

“It has been suggested that one problem of retirement is that one no longer matters; others no longer depend on us… The reward of retirement, involving a surcease from labor, can be the punishment of not mattering. Existence loses its point and savor when one no longer makes a difference.”   – Rosenberg and McCullough Quoted in Revitalizing Retirement: Reshaping Your Identity, Relationships, and Purpose by Nancy Schlossberg (APA, 2017)

According to counseling psychologist Nancy Schlossberg, Rosenberg’s concept of “mattering” is “a universal, lifelong issue that connects us all.”  Her four dimensions of mattering are:

  • Attention – the feeling that a person has the interest of another;
  • Importance – the feeling that others care about what you want, think, and do;
  • Ego-Extension – the feeling that others will be proud of your successes and/or saddened by your failures;
  • Dependence – the feeling that a person can depend on someone else.

Although initially attributed to collegiate retention, persistence and “getting students connected” (https://sites.google.com/site/uscedco030/Home/theorist-pages/marginality-mattering-and-validation-theory-nancy-schlossberg-laura-rendon/schlossberg), Schlossberg defines “maginality” as “a sense of not fitting in” and which “can lead to self consciousness, irritability and depression. For some, these feelings can be permanent conditions.” Furthermore, “feelings of marginality often occur when individuals take on new roles, especially when they are uncertain about what a new role entails.”

Just like the sometimes tumultuous passage to and emotional ups-and-downs during your “life after the work?”

 

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PTSD

What does “post-traumatic stress disorder” have to do with leaving your job? Hopefully it does not apply to you, but…

If are among the surprisingly large number of music teachers who lost their job “involuntarily,” you may be undergoing the same “stages of grief and loss” often shared during the breakup of a marriage or the dealth of a loved one:

  • Denial (disbelief, numbness, shock)
  • Bargaining (preoccupation with “what could have been,” guilt, remorse)
  • Depression (sadness, loneliness, emptiness, isolation, self-pity)
  • Anger (feelings of helplessness, abandonment)
  • Acceptance (emotional resolution, healing)

checkmate-1511866_1920_stevepbFeeling you were “kicked to the curb,” “downsized,” “minimized,” or somehow “forced” to resign or retire comes from many scenarios:

  • Music or staff are eliminated from the curriculum or building in which you teach.
  • You feel you must retire early before the end of the contract to avoid losing existing medical or other contractual benefits.
  • While voluntarily retiring from the full-time “day” job, you hope to continue serving in the capacity as assistant director (marching band, musical, etc.), but are not re-assigned or asked to return.
  • The new head coach of the sport in which you have assisted for many years fires you to bring in his “cronies.”
  • The perception that the program to which you have devoted your whole career is being dissembled or de-emphasized for the next “flavor-of-the-year.”

Most mental health experts agree, you cannot self-diagnose PTSD. However, the “warning signs” are probably evident. If you are having trouble sleeping, difficulty with relationships, or find yourself feeling significantly depressed or lethargic, visit your health care professional.

 

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Losing old habits…

“Surrendering your urge to be an agent of change!”

The next retiree concept is more of a habit or tendency, something that those of us who retired from education may find it a little hard to stop doing at first. Among the core values of “moral professionalism,” we consistently seek ways to reform “the system,” much like efficiency experts. In other words, “break it if it needs fixed,” or seek new practices or approaches to solve problems. This means we seldom accept the status quo or “that’s the way it’s always have been done.”

I found that in my volunteer work, when I come up to a challenge like a policy that isn’t working, I look for better ways of doing it. Teachers always self-assess and seek changes for “the good of the order,” but these “systems” are not our classrooms. Educators were expected to “monitor and adjust,” modify our lesson targets, rip down old bulletin boards and put up new with more exciting media, re-write curriculum, etc. – always with the mission to “build a better mouse trap” for more efficient delivery of instruction to all.

comic-characters-2026313_1280_OpenClipart-VectorsIn retirement, this can be frustrating. You can’t tell somebody else how to run their operation. Some people do not want to hear criticism, nor do they care what your opinion is, nor do they want to change their traditions or fine-tuned (?) step-by-step procedures. You on the other hand want things to improve, e.g. better training, more consistent application of the rules, etc., and therefore you feel “unrequited stress.”

Throughout my whole “professional life,” I never looked the other way. I try to fix things. But that’s not everybody’s inclination, and the world is not going to come to end if someone doesn’t take your advice. As retirees, remove the unnecessary hassle. You have two choices. Resign from the activity, or step back from being its self-appointed critic, accept the situation, and let everyone go back to playing their own way in their “sandbox.”

 

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Caregivers anchor

Many retirees choose to be part- or full-time caregivers, perhaps babysitting or serving as the custodian of a senior family member.

If you are fortunate enough to have grandchildren (your own or adopted ones), enjoy them! Your generous super-competent daycare services may provide ever-so-essential attention to your loved-ones. “Playing with the kids” is wonderful for your own mood, perspective, and mental health. And, how many times have I heard the sage advice to “immerse yourself around young people and you will stay forever young!”

grandparents-1969824_1920_sylvieblissHowever, invest your time wisely. Retirees deserve a life of their own and opportunities for unstructured “time-off.” Don’t forget the other items on your “bucket lists” (like travel, “encore career,” and volunteering). Serving as your family’s childcare “safety net” is nice, but don’t let this schedule dominate everything you do in your retirement… trading one job for another… with no financial compensation (but a whole lot of fun, I know).

Sometimes the responsibility of taking care of an elderly family member comes to you unexpectedly (like an ill parent or grandparent). When this “all-encompassing” duty is thrust upon you, it may consume every free moment in your schedule.

This excellent advice is from the blog-site “A Place for Mom.”

Many of us do end up deciding to become family caregivers, a demanding role that often includes advocating for your loved one, coordinating providers, and performing home medical care tasks.

In fact, over 65.7 million Americans currently provide care for a family member or loved one, according to the National Alliance for Caregiving, and 36% of those are caring for an elderly parent.

Being prepared for the role of caregiver means taking a lot of different factors into consideration. You will need to ask yourself hard questions about how your own availability and care-giving capabilities will affect your ability to provide effective care — for your loved one and yourself.

  – https://www.aplaceformom.com/blog/2-24-14-caregiver-questions-to-as/

Several of the “big questions” from their site:

  1. Am I financially prepared for the extra costs of care-giving?
  2. Am I really capable of taking care of Dad or Mom all by myself?
  3. Do I have the social support and resources I’m going to need?
  4. How will care-giving affect my physical and mental health?
  5. Will I be able to make time for myself and my family?

seniors-1505938_1920_geraltAgain, that focus on “first things first” (remember the book of the same name by Stephen Covey?) and “take care of yourself, too!”

In her book In A Different Voice (Harvard University Press), author Carol Gilligan describes the philosophy of moral development based on “evolving steps of caring.”

  1. Decisions based solely on care for their needs. (GOOD)
  2. Decisions based on care for the needs of others. (BETTER)
  3. Decisions based on care for themselves and others. (THE BEST)

As mentioned in a previous blog, we could all hope to prescribe to Kathy Merlino’s “independent-living manifesto” ― being actively involved in her children’s lives, but NOT leaving them the ultimate chore of “taking care of mom!”

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“Stressed over the season”

Finally, while we are on the subject of care-giving, here are a few links to alleviating stress, especially around the coming winter holidays:

Also, although I wrote my own blogs about “the happiest time of the year,” (see https://paulkfoxusc.wordpress.com/2015/11/29/tips-for-retirees-on-managing-stress-during-the-coming-winter-celebrations/ and https://paulkfoxusc.wordpress.com/2015/12/22/random-acts-and-other-resolutions/, I found more wisdom re: “stress for seniors.”

Best wishes for you and yours to enjoy the festive season and a Happy New Year!

PKF

© 2017 Paul K. Fox

 

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Photo credits from Pixabay.com: “person” by RitaE, “dictionary” by stevepb, “volunteer” by maialisa, “stress” by thedigitalartist, “checkmate” by stevepb, “head” by johnhain, “comic-characters” by OpenClipart-Vectors, “grandfather” by kko699, “grandparents” by sylviebliss, “seniors” by geralt, “shopping-mall” by stocksnap, and “senior” by RitaE
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How Retirement Has Changed Me… Revisited

Part II: The reinvention continues… new perspectives, recent renovations, fun pathways, and more technology

Happy Thanksgiving to all! Enjoy your time with your family and friends next week!

I feel very blessed and thankful for my health, happiness, economic stability, and relative comfort. My wife and I have “weathered” the so-called “passage to retirement” with success and grace, and continue to explore finding life’s meaning to fulfill the three most important things a job usually provides (according to best-selling author Ernie Zelinski): purpose, community, and structure.

Back in July 2015, I wrote the introduction to this “personal trek” of post-employment transitioning, coping with life-style changes/altered expectations, and personal metamorphosis to “living the dream!” (You can review all of these articles by clicking on the “For Retirees” above.) Specifically on “how retirement has changed me,” nine months ago, I wrote “Part I – One retiree’s quest for learning technology, science, and history” (https://paulkfoxusc.wordpress.com/2017/02/13/how-retirement-has-changed-me/), and can report “all is good” in progress on all of these fronts.

We all know personal growth is about curiosity, exploration and acceptance of change… so, now’s the time to report back. What have you been up to, Paul, since then?

 

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Writing, Collaborating, and Becoming a Better Techie

Here are a few quick check-marks to add to my post-employment technology portfolio:

  • I learned how to create a blog site and write blog articles
  • I learned how to use Zoom online and hold committee meetings on the web
  • I learned how to make a webinar video

To all current and future retirees, I strongly recommend venturing into the creative process of writing… and building a website to archive all of your “treasures.” Posting a blog is a perfect vehicle for getting something off your chest, promoting discussion on almost any topic, researching areas you always wanted to unearth, sharing your thoughts and experiences, and stating your opinion for the record using the Internet.

“The sky’s the limit” for the subjects you could present. What do you like to write about? It is probably easier to dive into the things that are closest to you, your “pet peeves” and passionate viewpoints, or perhaps drawing from the vast store of knowledge and competencies you developed in your music education career. My own “categories” on my website are “Becoming a Music Educator” (for pre-service and new music teachers), “Creativity,” “Ethics,” “Firesides” (epistles I have given to my students), and “For Retirees.”

Look into one of the free, “do-it-yourself” online sites like WordPress, Wix, Web, or Weebly.com. Unless you really want to, it is not necessary to pay for a domain name. However, if you want an easy-to-remember tagline (something everyone can remember), be creative with the title of a new Google email account (from which these web-creation services usually generate your website’s domain name). My professional email is paulkfox.usc@gmail.com, so WordPress removed the dot and created my website moniker as “paulkfoxusc.wordpress.com.”

My quest for further education in stimulating personal technological advances have included using services like “Doodle,” “Wufoo,” “Zoom” or “Go to Meeting” for collaborating with members of the Council for Teacher Training, Recruitment, and Retention, and submission of several videos which have been archived in the NAfME Academy Professional Development library (of which I am most proud):

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  • Marketing Your Professionalism for Collegiate Music Education Majors: Tips and Strategies to Prepare and Present Yourself for Interviewing and Landing That First Music Teacher Job (two-part video)
  • Preparing for a Smooth Transition to Retirement
  • Supercharge the School Musical

 

Non-Technological Developments

No, I’m not dead yet. Retirement has provided me many rich new set of pursuits and brain-stimulating activities. Some of these activities are intellectual, some physical, and some just wear out my wallet!

How to spend large amounts of our monthly pension? In other dimensions of personal development, my wife and I are slowly renovating our house, finally getting around to making decisions on colors, styles and its overall presentation. When I was a full-time music teacher, I didn’t spend a lot of time at my home. Now in retirement, I have discovered how much it costs to frame a picture, especially if the only criteria when choosing a frame is the beauty of the wood grain and how well you match the double matting to the lithograph. (Without asking the price, I bought a $800 frame for my $125 Charles Wysocki print!)  Taking the high road, we hired a professional to securely hang things on the wall, another very expensive process when your interior decorator ($75/hour) accompanies your installer ($50/hour) to do the job, but all is “perfect” and no marital disputes erupted! After refinishing the floors, installing new windows, painting all the walls, “staging” several rooms (new transformations), and finally finishing the wall-hangings, it looks like the Foxes have a “showcase” residence.

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Raising two cute dogs have become a centerpiece of my life. We need to walk them several times a day, something on which you can’t procrastinate. One would think this regular physical exercise is part of an aerobic routine that is keeping me super-fit!

I have learned so much from my day-to-day dealings with my pups Gracie and Brewster (see previous blog-post https://paulkfoxusc.wordpress.com/2015/09/22/what-i-have-learned-from-my-dogs-in-retirement/), although inspiring a few questions:

  1. How do they always know my mood and needs better than I?
  2. No matter when you glance at them, what moves them to show you unconditional “love at first sight,” instantly lowering your blood pressure, nurturing your peace-of-mind, and improving your disposition?
  3. Since dogs have no lips, how are they so aptly able to express a loving kiss with a simple lick of our hands?
  4. How is it that they are always available (24/7) to cuddle, play, sleep in your lap, explore the mysterious ends of their leashes, and follow you everywhere?
  5. Regardless of the mistakes you make, why are they the first to forgive you?

And all they ask in return is to “hang around with you!”

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Just for fun, check out illustrator Kelly Angel’s representation of “how your dog views you” at https://www.boredpanda.com/how-you-see-yourself-vs-how-your-dog-sees-you/.

Although I volunteer as the founding director of the South Hills Junior Orchestra and teach “kids of all ages” on Saturdays every week, one of my other volunteer pursuits centers around pushing wheelchairs at the local hospital. The good news? I see so many of my students and their families at St. Clair Hospital. My favorite trip is going to the family birth center and discharging a new mother and her baby… and with surprising frequency, reuniting a former student or colleague with their “old” school music teacher or community orchestra director. Any bad news? Well, I am still puzzled why I have lost a little of my stamina and endurance since retiring. After only a little more than 3 1/2 hours of pushing wheelchairs (some of whom contain very large patients), I notice I am ready for a power nap! This does not mesh well with my employment days when I was teaching full-time, arriving to school by 6:45 in the morning, and often did not make it home until 9 PM (after-school rehearsals, meetings and performances of the marching band, fall play, and spring musical. What’s up about that?

 

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Philosophy of Post-Employment Professional Engagement

“Ask not PMEA can do for you, but what you can do for PMEA.”

Where have you heard that before? Sounds like something from the soapbox of the PMEA Retired Member Coordinator? (Check out “PMEA in Retirement”).

The most important part of my long-term goals is to try to make a difference in other people’s lives… colleagues, collegiate or pre-service educators, and others.  As for PMEA, I’m throwing my hat in the ring as your Coordinator of Retired Members. In addition, I accidentally walked into a summer meeting a little more than a year ago and was voted in as chair of the Council for Teacher Training, Recruitment, and Retention. This is an exciting time in during PMEA’s new governance and recently ratified five-year strategic plan. We have the opportunity of doing some real meaningful work for music education in the state of Pennsylvania.

I hope that you continue to participate in PMEA and NAfME yourself. Obviously, once we “Cross the Rubicon” into retirement, we need not to worry about the hectic day-to-day schedule, politics, and stress of a full-time teaching position. However, we can make a difference, acting less engaged but still on-board helping our professional associations and advocating for the success of music education. PA music teachers (the focus of many of these blogs), please consider keeping your membership up-to-date, joining the PMEA Retiree Resource Registry, volunteering for guest conducting, presenting sessions, doing other jobs for PMEA, an/or attending official events.

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In a recent Retired Member Network eNEWS, I mentioned that as unofficial mentors and sage advisers, there are many ways retired members can “return the favor” of a career full of wonderfully enriching professional development and music festival resources, simply by helping PMEA out a little:

  1. Review the five-year PMEA Strategic Plan – posted online at https://www.pmea.net/wp-content/uploads/2012/09/PMEA-Strategic-Plan-2017-21-Final-1.pdf. Focus on possible things in which you may have the skills or interests to contribute to our profession, and propose something new “for the good of the order.” Here are sample objectives – any of these “strike a chord” with you?
    • 1E. Continue to improve and find new and innovative ways to engage PMEA members in advocacy efforts including Advocacy Day in Harrisburg and Music in Our Schools Month activities (“team-up” with retiree Chuck Neidhardt, PMEA State MIOSM Coordinator).
    • 2A. Explore topics of lifelong learning (music therapy, community music, service learning…)
    • 2E. Focus on topics of Inclusion, Diversity, Equity, and Access by providing space for dialogue, reaching more students beyond traditional ensembles, and identifying and promoting success stories and appropriate practices.
    • 3B. Investigate possibilities of various partnerships with other music associations.
    • 3E. Develop leadership (e.g. retreat and training sessions).
    • 4B. Promote and expand the Music Performance Assessment program (e.g. solo and chamber ensemble opportunities, virtual MPA’s, and traveling adjudicators).
  2. Still have your “conductor chops?” One way to encourage your colleagues to think of you in becoming a guest director or accompanist of a PMEA festival is to join the PMEA Retiree Resource Registry (see the retired member section of the website at https://www.pmea.net/retired-members/) and send an email sharing your interest and availability to the District President and the local Festival/Fest Coordinator.
  3. Did you know that anyone can suggest a session for a local workshop or PMEA spring and summer conference? (See the PMEA website.) What’s on your mind? What do you think is important to explore, collaborate, or exhibit? I know of few PMEA retired members who do not have a “special expertise” and passion about an area in music and education. Go ahead, “let the cat out of the bag” while it is still “fresh” in your mind!
  4. Submit articles or reviews to our PMEA News editorial committee chair Doug Bolasky (also a retiree) for publication consideration in our state journal. Like #3 above, this is an excellent outlet to “get something off your chest,” promote discussion on almost any topic, research areas you always wanted to unearth, share your thoughts and experiences, and state your opinion “for the record.”
  5. Offer to serve on a PMEA committee. For example, volunteer to serve on the listening or session evaluation committee. Prefer to stay “close to home?” Ask your District President if you can be appointed to (or be placed on the ballot for) one of the many leadership positions in need of caring, committed, and competent representatives. Also, PMEA always needs guest lecturers, panel discussion members, presiding chairs, and info booth volunteers for the spring conference.

 

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In short… we need you, your collective wisdom, experience, and the ability to dodge problems before they become big. Sure, relax a little, personally reflect, refocus, and revitalize your goals during your retirement, but don’t retreat from “doing your bit” for “making a difference” in music education.

PKF

© 2017 Paul K. Fox

 

Photo credits from Pixabay.com: “grandparents” by Marvin Roaw and “senior” by RitaE.

T-Minus Three Years… and Counting!

Countdown to a Smooth and Satisfying Retirement

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Are you retired, retiring this year or next, or thinking about “Crossing the Rubicon” to post-employment bliss over the next three or more years?

According to Ken Dychtwald, psychologist, gerontologist, and CEO of Age Wave, research on aging, health, and work issues defines five stages of retirement:

  • Stage 1: Imagination (5 to 15 years before retirement)
  • Stage 2: Anticipation (1 to 5 years before retirement)
  • Stage 3: Liberation (first year of retirement)OLYMPUS DIGITAL CAMERA
  • Stage 4: Re-engagement (1 to 15 years after retirement)
  • Stage 5: Reconciliation (ages late 70s and early 80s)

As reported by USA TODAY at https://www.usatoday.com/story/money/personalfinance/2014/10/12/five-stages-of-retirement/16975707/, these first three stages provide opportunities to rethink, recharge, reinvent, and even retool new ways to redefine one’s life-purpose and meaning, become productive, and begin that new chapter in their lives. The studies emphasize the need for the famous Boy Scouts’ motto – “be prepared” – and you should start reflecting on “what you are going to be when you grow up” at least three years prior to “the big day!”

Many people want to continue to work. In fact, 72% of pre-retirees, age 50 and older, say they want to keep working after they retire, according to a recent survey sponsored by Merrill Lynch in partnership with Age Wave. Almost half (47%) of current retirees either are working, have worked, or plan to work in retirement, the survey found.

Many people also want to devote more time to their family and friends. Some want to continue to learn, and others want to enjoy their favorite hobbies and develop new ones…

— Ken Dychtwald

The bottom line is, as suggested in “Retire Happy – What You Can Do Now to Guarantee a Great Retirement” in the USA TODAY/Nolo Series by Ralph Warner and Richard Stim, prior to leaving the work force, you should make a concerted effort to anticipate “life after work,” including:

  • Cultivate interests outside work
  • Lead a healthier lifestyle
  • Revitalize family relationships
  • Spend more time with spouse
  • Embrace spirituality or meditation
  • Nurture friendships and make new friends.

 

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FIRST THINGS FIRST

So, are YOU ready to retire from full-time music teaching? Are you sure?

For me, I cry out HURRAY for the FREEDOM, and enthusiastically take on exploring raising puppies, home improvements, more personal music making, conducting, writing, photography, community service, and volunteer work. And, as you can imagine, my calendar is as full as it has ever been!

However, not all of our newly retired colleagues feel the same way… at least, not at first. It should be said that not everyone may be ready to retire. Often heard employment complaints aside, “be careful for what you wish!” In general, few are ambivalent about this transition… leaving the day-to-day highly pressured, detailed, “rat-race” most music teachers embrace to jumping into the wide-open horizons of new vision, focus, and directions. Recent retirees either love or hate this “passage.”

— Paul K. Fox

If you are not sure of your current mental and financial preparation for retirement, checkout “7 Signs It’s Time to Retire” at http://www.plannersearch.org/financial-planning/7-signs-its-time-to-retire, and equally as important, “Ten Signs It’s Not Okay to Retire” at http://www.investopedia.com/articles/personal-finance/021716/10-signs-you-are-not-ok-retire.asp.

Have you seen this quote by Dr. Robert P. Delamontagne from his book Retiring Mind (Fairview Imprints, 2010), which provides statistics that are actually a little alarming?

50% of retirees will suffer some form of acute emotional distress. This is potentially a very large problem given the fact that 10,000 people are becoming eligible for Social Security every day for the next 20 years in the US alone.

— Dr. Robert P. Delamontagne

I also recommend taking the quiz, “Are You Psychologically Ready for Retirement?” at http://www.nextavenue.org/quiz-are-you-psychologically-ready-for-retirement/ from the book, Happy Retirement: The Psychology of Reinvention by Kenneth S. Shultz (DK Publishing, 2015), asking these five essential questions:

  1. How important is your job when it comes to getting a sense of life satisfaction?
  2. How many non-work activities do you have that give you a sense of purpose?
  3. How do you imagine your life to be once you stop working?
  4. How do you think retirement will affect your relationship with family and friends?
  5. How much energy for work do you have these days?

 

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HAVE A PLAN

In the article “Are You Emotionally Ready to Retire?” published by the Wisconsin Medical Journal, Maureen E. Hansen illustrates the need for an “emotional retirement plan.” (Please visit https://www.wisconsinmedicalsociety.org/_WMS/publications/wmj/pdf/103/4/53.pdf).

The transition from a structured to an unstructured lifestyle can be unnerving if you are not prepared. When our clients retire, they often feel as if they are on vacation for the first month or so. After that, the realization that they are not returning to work starts to sink in. This is when anxiety can creep in. However, the process of adjusting can be far less stressful if you establish a plan well in advance.

— Maureen E. Hansen

She emphasizes that both financial and non-financial aspects of retirement need to be addressed. “Long before your going-away party at the office, you need to decide what you want for your retirement—leisure time, volunteer work, establishing a legacy?” Here are her several key issues to consider:

  1. Set lifestyle goals.
  2. Build a network.
  3. Consider your spouse’s feelings.
  4. Live your dream.

From Bankrate (http://www.bankrate.com/retirement/10-things-to-do-before-you-retire/), here is a checklist of considerations you should revisit as often as necessary before taking the retirement plunge:

  1. Prepare a balance sheet
  2. Get rid of debt
  3. Conduct a house check
  4. Assess life insurance needs
  5. Think about long-term care insurance
  6. Consider variable annuities
  7. Oversee estate planning
  8. Ditch college expenses
  9. Look at the big picture with a planner
  10. Prepare a budget

The Internet is deluged with a multitude of recommendations on retirement prep. Here are couple more to peruse at your leisure:

 

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DOWN TO MORE SPECIFICS

In the August 26, 2017 PMEA Retired Member Network eNEWS, I shared the link to the AARP blog-post “10 Steps to Get You Ready for Retirement” at http://www.aarp.org/work/social-security/info-05-2011/10-steps-to-retire-every-day.html, with the following “executive summary” (but be sure to read the entire article for the detail):

  • Step 1: Define Your Retirement
  • Step 2: Take Stock of Your “Assets”
  • Step 3: Evaluate Your Health – Now
  • Step 4: Determine When to Collect Social Security
  • Step 5: Network Through Social Media & Other Methods
  • Step 6: Decide How Much You Want (or Need) to Work
  • Step 7: Create a Retirement Budget
  • Step 8: Find New Ways to Cut Your Expenses (Start Saving More)
  • Step 9: Prepare for the Unexpected
  • Step 10: Stick to Your Plan

I also offered my (now) “top-seven tips” for getting ready to “living the dream” for future PA music educator retirees:

  1. Download the Ultimate Retiree Resource Guide and peruse the myriad of contributions by “true experts in the field of retirement” posted on the PMEA retired member website: https://www.pmea.net/wp-content/uploads/2014/10/ultimate-retiree-resource-guide-111717.pdf.
  2. Scan through the plethora of other blog-posts at https://paulkfoxusc.wordpress.com/for-retirees/ and the official PMEA Retired Members’ website: https://www.pmea.net/retired-members/.
  3. Purchase a book or two by the “masters” of retirement transitioning (check out these authors and others from the sources above: David Borchard, Julie Cameron, Robert Delmontagne, Dave Hughes, Steven Price, Kenneth Shultz, Hyrum Smith, Verne Wilson, and Ernie Zelinski).
  4. Family Meeting: If you are married, sit down with your spouse (with no distractions) and map out the essential “who, what, when, where, and how” of retirement. Are you both ready to venture into your “golden years?” Are you and your wife/husband on the same page?
  5. dad-1-tommi-gronlundPSERS (PA pension fund) Planning: 12 months or more away from your projected retirement date, attend a “Foundations for Your Future” program (even attend it more than once), and request a retirement estimate (form PSRS-151), after which you will need to schedule the all-important “Exit Counseling Session.”
  6. Make an appointment with an estate planner, elder attorney, and/or financial advisor (probably all three). Bring a copy of your bank and investment statements, PSERS reports, social security, annuities, and insurance documents. You may need help in determining which PSERS “plan” to adopt. While you’re at it, update your will and other legal documents.
  7. To stay “connected” with your professional associations (e.g. Pennsylvania Music Educators Association and National Association for Music Education), be sure to update your personal profile at “headquarters” with your personal (not school) email address. Continue to participate in music and education, and reap the benefits of significantly discounted retired membership dues and conference registration fees. See the blog-post “PMEA in Retirement – What’s in it for Me?” at https://paulkfoxusc.wordpress.com/2016/12/15/pmea-in-retirement-whats-in-it-for-me/.

Finally, if you have not done so, I encourage you to revisit my last retirement blog-post   (https://paulkfoxusc.wordpress.com/2017/08/03/new-dreams-and-horizons/). Review those six essential things to do when you are a couple years “out” from making that “great leap to freedom,” solid advice from TIPS – Retirement for Music Educators book by Verne A. Wilson (MENC 1989), and to learn more about “nipping in the bud” those pesky retirement conundrums:

  1. Self-Identity and Change
  2. Free Time?
  3. Energy and Fortitude
  4. Losing Control and Perpetual Care

Yes, planning ahead makes all the difference. On this topic, our last inspiration also comes from TIPS – Retirement for Music Educators.

If you were planning to spend the rest of your life in another country, you would want to learn as much about it as possible. You would read books about the climate, people, history, and architecture. You would talk to people who had lived there. You might even learn a bit of its language. Old age is like another country. You’ll enjoy it more if you have prepared yourself before you go.

— B. F. Skinner and Margaret Vaughn

Best wishes for a happy retirement!

senior-portraits-4-1258408-loretta-humble

PKF

© 2017 Paul K. Fox

 

Photo credits from FreeImages.com (in order): “Happy Days” by Crissy Pauley, “Senior with Red Wine” by Walter Groesel, “Hour-Glass” by Aleksandra P., “Old Couple” by Ricardo Santengini, and “Senior Portraits 2” by Loretta Humble, “Senior Portraits 1” by Loretta Humble, “Dad 1” by Tommi Gronlund, and “Senior Portraits 4” by Loretta Humble.

New Dreams and Horizons

“Self-Realization” ― The Key to Resolving Retirement “Conundrums”

Most gerontologists agree that a period of adjustment will occur during the first years of “interning” as a retiree. Even more crucial is the “pre-retirement” or “imagination” stage of retirement – (see https://www.usatoday.com/story/money/personalfinance/2014/10/12/five-stages-of-retirement/16975707/ or http://www.investopedia.com/articles/retirement/07/sixstages.asp…) involving your preparation six to ten years prior to “taking the big leap” to FREEDOM!

Have you considered a few “terms of transformation” below that are all-to-common to soon-to-be-retirees undergoing that life-changing transition to “living their dream?” How should you unravel these “conundrums” or mysteries of transitioning to retirement?

  • Self-Identity and Change
  • Free Time
  • Energy and Fortitude
  • Losing Control and Perpetual Care

The only solution to “softening the blow” of the possible turmoil and incongruity brought on at this time is to follow the Boy Scout rule… BE PREPARED.

Tips Retirement for Music EducatorsThat means, according to TIPS Retirement for Music Educators by Verne A. Wilson (MENC 1989), at least three years before you leave your full-time employment:

  1. Sit down with your spouse if you are married (and other family members) and plan ahead carefully.
  2. Decide when you want to retire. Estimate as accurately as possible what your economic situation will be after you retire.
  3. Decide where you want to live after you retire. This means not just the neighborhood, city, or state, but also the kind and style of residence… retirement community, one-floor ranch, apartment, etc.
  4. Set some goals regarding how you want to spend your retirement time. Focus on your talents and abilities instead of looking at the handicaps that may come with the aging process.
  5. Be prepared for “change” and learn how to accept it, and be willing to embrace new opportunities for personal growth, flexibility, and adaptability.
  6. Be sure your intentions are clearly stated in writing (wills, power of attorneys, living wills, etc.)

Now, to define your “life’s goals” and anticipate several of the “big issues,” read on!

SELF-IDENTITY & CHANGE: Who am I?

The prep and passage to your “golden years” is the perfect time to a little self-reinvention based on self-assessment towards finding purpose, meaning, fulfillment in your life. (Quote on change). There are many publications that promote personality and interest surveys to point you in the right direction and help synchronize your goals with your spouse, “significant other,” other family members.

the_retiring_mind_coverRobert Delamontagne writes in detail about using the enneagram as an evaluative tool in Honey, I’m Home: How to Prevent or Resolve Marriage Conflicts Caused by Retirement (Fairview Imprints, 2011) and The Retiring Mind: How to Make the Psychological Transition to Retirement (Fairview Imprints, 2010).

The definition of enneagram is “a system of classifying personality types that is based on a nine-pointed star-like figure inscribed within a circle in which each of the nine points represents a personality type and its psychological motivations (such as the need to be right or helpful) influencing a person’s emotions, attitudes, and behavior.” And now, the essential question: Are you and your spouse or significant-other “compatible” and facing your retirement future “on the same page?”

I have come to learn that different people process life-changing events in various ways, depending on their personality type. You slam a hard-charging personality type with an achievement addiction into an unplanned, downsized retirement life and you won’t see stress like this unless you invested your retirement money with Bernie Madoff.

― Robert Delamontagne in The Retiring Mind: How to Make the Psychological Transition to Retirement

enneagramDelamontagne labels the characteristics of each E-Type. After reading his book, which ones are closest to resembling you and your spouse?

  • E-Type 1: The Master
  • E-Type 2: The Enchanter
  • E-Type 3: The Star
  • E-Type 4: The Drama Queen
  • E-Type 5: The Solitary Mystic
  • E-Type 6: The Closet Rebel
  • E-Type 7: The Cruise Director
  • E-Type 8: The Conquistador
  • E-Type 9: The Harmonizer

Approaching it from an individual retiree’s quest for self-reinvention in their book Shifting Gears to Your Life & Work After Retirement (New Cabady Press, 2013), Dr. Carolee Duckworth and Dr. Marie Langworthy offer self-assessments and analyses with the four-letter personality type code in Chapter 6: “Reinvent Yourself” (see the Myers-Briggs Personality/Cognitive Style Inventory Test at http://www.personalitypathways.com/type_inventory.html and TypeLogic Profiles at http://typelogic.com/index.html) followed by the Interest Profiler in Chapter 7: “Rediscover Your Work” (see https://www.cacareerzone.org/ip).

shifting gears bookcoverOn their book jacket, Duckworth and Langworthy promote their work as “a call to action on your own behalf” to:

  • Jump start your newly invented personal and professional retirement ― your Next Phase life and work.
  • Create your own custom road-map to how Baby Boomer YOU will live your last and BEST personal opus, with vitality, enthusiasm, and enjoyment.

These sections from their reading were also very interesting to review: the 10-point Retirement Countdown, 7 “What Comes Next” Pathways, a 5-Step Process to Create Your Retirement, and 5 Major Types of Retirement Work Options.

In a similar fashion, before you finish the first three dozen pages of The Joy of Retirement, authors David C. Borchard and Patricia A. Donahoe introduce the Life Vitality Assessment and a Transition Readiness – Change Aversion vs. Attraction poll to assist in your self-analysis.

The book develops the “Core Themes for Your New Life,” with the hopes to assist you in re-creating a new life involving the following four phases:

  1. Envisioning the nature of the kind of future you desire.
  2. Articulating that picture into the written word.
  3. Claiming your passion once you are clear about what it is.
  4. Developing a plan or a map for getting where you want to go and for achieving who you want to be.

Joy of Retirement bookcoverLife Themes Profiler, a comprehensive assessment tool developed by David Borchard and laid out initially in Chapter 4, will help you understand and graph the retirement themes and “your intentions for the next chapter of your life.”

They say that 50 is the new 40. If you’re over 50, chances are you feel more vital, energetic, and passionate than ever. While you may be ready to retire, you may not be ready to stop working entirely. These days, life after work no longer conjures up images of couples wandering the malls, playing golf, and taking endless Caribbean cruises. As baby boomers reach their 50s and 60s, they are re-defining what it means to retire. What they want is joy, vitality, and meaning in their lives.

― Back cover of The Joy of Retirement

At the very least, these book resources may open-up new pathways to define your values, personality, temperament, and what may “float your boat” in selecting future service projects, “encore careers,” and hobbies.

Now, get busy on these and “the rest of your life!”

 

FREE TIME: Where do all of our hours go?

There’s never enough time to do all the nothing you want.

― Bill Watterson, Calvin and Hobbes

It’s a good thing I have that Calendar app on my phone, or I would never remember all of the unique, non-repetitive, and less predictable appointments that I make as a retiree.

ZelinskiObviously, fulfilling your “bucket lists” and goals will influence the structure of your daily/weekly schedule.  According to Ernie Zelinski, with or without “a job,”  you need to find a “work-life balance” and devote equal time to these essential priorities:

  • Job or Volunteer Work
  • Family, Relationships
  • Friends and Colleagues
  • Community Activities
  • Self Care – Sports/Exercise
  • Religious/Spiritual Philosophical Concerns
  • Hobbies/Interests
  • Future Plans/Projects

In his book, How to Retire Happy, Wild and Free (Ten Speed Press 2016), Zelinski lays out his “plan” for finding purpose (and prioritize time) in his life:

  • To make a difference in people’s lives
  • To make a contribution
  • To find creative expression
  • To take part in discovery and challenge
  • To help preserve the environment
  • To accomplish or achieve a challenging task
  • To improve health and well-being

Design Your Dream Retirement Cover-slanted-with-shadowDave Hughes echoes these sentiments with his “four essential ingredients for a balanced life” in the book Design Your Dream Retirement: How to Envision, Plan for, and Enjoy the Best Retirement Possible (2015):

  1. Physical activity
  2. Mental stimulation
  3. Social interaction
  4. Personal fulfillment

Watch out for what I will call “the caretaker’s anchor.” One of the greatest things you can do in retirement is to surround yourself with young people… As many wise people have said, “They will keep you forever young!” However, unless you want it to be the primary focus of your life, your babysitting duties should not take over your entire retirement schedule. It is easy for your love ones to assume that since you no longer have a full-time job, you can assume the responsibility of serving as the “safety net” or even the number one full-time caregiver for your grandchildren and grandnieces.

Several additional time management tips:

  1. If you are married, synchronize your schedule with your spouse.
  2. Set aside at least 30-45 minutes a day for sustained physical activity.
  3. Avoid watching more than an hour and a half of television per day. Experts say this is not healthy.
  4. shiny-brain-1150907-1Do something every day that will expand your mind, stimulate your intellect, or increase your curiosity quotient.
  5. Hobbies that focus on self-expression or other creative pursuits are best enjoyed in the morning when you are fresh. You might consider doing your music warmups, practicing, composing, writing, painting, etc. ― anything that requires firing up your artistic “right brain”― before lunch and prior to your appointments, chores, and shopping. Besides, if it’s something you really look forward to doing, it will help motivate you to get out of bed early in the morning.
  6. Get enough sleep. Believe it or not, many retirees have re-occurring bouts of insomnia. Check out “Retirement Insomnia” by Claire N. Barnes at HUFFPOSThttp://www.huffingtonpost.com/claire-n-barnes-ma/retirement-insomnia_b_6395998.html.

It’s 3 a.m. and I’m awake! How many of you boomers have this experience? As the Inspirement journey continues, I have been surprised to learn how common insomnia is among retirees. Forget all the advice suggesting that when you retire, you can sleep more (or longer…. or later). The practical reality is a large percentage of retirees experience insomnia or sleep difficulties.

whatever clockAlthough the exact number of boomers and seniors who experience sleep problems is hard to pinpoint, a national study of our aging population suggests nearly 42 percent of those surveyed have sleep difficulties. That figure is beyond an epidemic.

― Claire N. Barnes

 

ENERGY & FORTITUDE: What happened to my stamina and endurance?

Participating in several extra-curricular programs (marching band, fall play, after-school strings, spring musical, etc.), my hectic music teacher weekday work routine began at school around 6:30 a.m., and often I did not make it home until after 9:30 p.m. Since retiring in 2013, I volunteer at the hospital several days a week pushing patients in wheelchairs (with some of our discharges weighing over 300 pounds!). Considering that 15 hours use to be my daily norm, I keep asking myself: “What’s up with my needing to take a ‘power nap’ after only three hours of a moderate physical activity?”

Aerobic activities, strength training and flexibility exercises can help retirees preserve muscle and bone mass, feel young and be better able to do the activities of daily living, such as putting items on shelves and even holding the grand-kids.

― Felicia Stoler, registered dietitian and exercise physiologist in Holmdel, N.J.

running-in-the-morning-1538848 Patrick NijhuisRegular physical activity is a must. Quoting from a future article I plan to submit to the state journal of Pennsylvania Music Educators Association PMEA News: “The definition of ‘exercise,’ especially in order to receive cardiovascular benefits, is to raise your heart rate for 30 minutes or more. Leaving your La-Z-Boy to let the dogs out or looking for the remote does not count!”

Actually, taking the dogs out for a long walk may be a good idea, but you need to move at a fast pace. Stopping to talk to the neighbors down the street or allowing the pups to slow down and sniff every bush, may not bring the health benefits you desire.

The best tip prior to adopting an exercise program in retirement is to see your doctor.

Here are a few Internet resources:

 

LOSING CONTROL & PERPETUAL CARE:  Should we expect our children to take care of us in our old age?

helping-the-elderly-1437135 melodi2This final category of “pre-retirement planning” has everything to do with living with independence and security as we grow older. Many Baby Boomers just starting their retirement journey may not actually see this as “a big deal” right now. However, developing a long term “backup plan” for maintaining our health care, mobility, and comfortable living is critical. Again… we must think ahead!

As a “senior” with no children, nephews, or nieces, I again seek the advice of experts.

First, visit Kathy Merlino’s recent blog for a good introduction on this subject, especially as it applies to your children becoming the adult caregivers: https://kathysretirementblog.com/2017/07/23/should-your-kids-take-care-of-you/.

She is very eloquent in her “independent-living manifesto”― being actively involved in her children’s lives but NOT leaving them the ultimate chore of “taking care of mom!”

The primary reason for my planning for independence is my children. I’d like for them to live unfettered with my care. They have their own lives, spouses, children and now, my oldest daughter, has her very first grandchild. Taking care of myself is the best gift I can give them…

We, as parents, should never expect our kids to resign from their lives to care for us. It is up to us to care for us. We owe it to our children to stay physically active, to eat a healthy diet, to pursue our passions, to stay mentally sharp, to develop a community of friends of our own, to stay spiritually true to ourselves. And, if necessary, live in an assisted living community. That is the best legacy we can leave them.

― Kathy Merlino

Consumer Reports offers an excellent online article “Healthy Aging in Your 80s and Beyond – 5 Tips to a Long, Healthy Life,” recapping the above advice on physical fitness and offering a few recommendations on how to live independently:  https://www.consumerreports.org/cro/magazine/2014/06/healthy-aging-into-your-80s-and-beyond/index.htm.

Consumer Reports logoFifty-five percent of our respondents wanted to stay in their own homes, with help as needed, as they got older and required more care. But a recent AARP survey revealed that only about half of older adults thought their homes could accommodate them “very well” as they age; twelve percent said “not well” or “not well at all.”

“The time to think about your housing options is when you first retire and are relatively healthy and young,” said Linda Fodrini-­Johnson, a geriatric-care manager in Walnut Creek, Calif. “You need to think realistically about the things that might happen over the next 20 years.”

Consumer Reports, June 2014 issue

I like a few additional resources on the web:

romanticism-1309299 Claudia Meyer

CONCLUSION ― Food for Thought!

Gerontologists like Ken Dychtwald and Robert Atchley contribute loads of research and recommendations for the “imagination” (pre-retirement), “anticipation,” and “liberation” stages of retirement. They provide the basis for all the concern and rush to reflect on senior self-realization and dodge anticipated problems we may encounter during this period. One quote from TIPS Retirement for Music Educators by Verne A. Wilson sums up the need for a concerted effort in “advance planning” to enjoy and find meaning in your post-employment “new dreams and horizons!” Conquer your own retiree “conundrums!”

If you were planning to spend the rest of your life in another country, you would want to learn as much about it as possible. You would read books about the climate, people, history, and architecture. You would talk to people who had lived there. You might even learn a bit of its language. Old age is like another country. You’ll enjoy it more if you have prepared yourself before you go.

― B. F. Skinner and Margaret Vaughn in TIPS Retirement for Music Educators

 

PKF

© 2017 Paul K. Fox

Photo credits from FreeImages.com (in order): “Sunset Years” by Bill Davenport, “Shiny Brain” by artM, “Running in the Morning” by Patrick Nijhuis, “Helping the Elderly” by Melodi2, and “Romanticism” by Claudia Meyer

Seniors Helping Seniors

Are you a caregiver?

going-shopping-1-1433513As we progress through our “golden years,” you may have noticed you had to switch roles with your parents or other elderly relatives… you’re becoming more the parent, advisor or “boss,” and they are more needy and have reverted to being the “child!”

Thanks to advancements in medical science – new and better diagnostic tools, nutrition, antibiotics and other drugs, surgical procedures, and other innovations – we are all living longer. This is bringing on what Dr. Robert N. Butler refers to as “The Longevity Revolution” (See The Longevity Revolution: The Benefits and Challenges of Living a Long Life, PublicAffairs, 2008). The Boomers (and late-boomers) have arrived in huge numbers, and plan to enjoy very long, productive, and richly meaningful lives with renewed inspiration to contribute to the betterment of society in activities of civic, social, and economic engagement – things in which they strongly believe!

And, for many of us, this means we share new responsibilities and jobs as “caregivers!”

I feel blessed to have “found” and connected with Marie Villeza and Kayla Harris at http://elderimpact.org/about-us/. Talk about their insight and generosity! This material comes at a perfect time for all teacher retirees! They have agreed to research and share many support networks and other resources for improving eldercare, senior mobility, special needs and accommodations, and general tips on health, aging, jobs, and finances.

“Lately I’ve been devoting my focus to senior health — especially since only 28-34% of Americans aged 65-74 are physically active. I’ve had the opportunity to speak with some of the elders in my community, and they said although they do want more physical activity, they feel limited in their options. Fortunately, inspiring others to get on their feet is my specialty! I’ve gathered some terrific resources on ways for seniors to lead happier, more active lives, but I need your help distributing them.”    — Marie Villeza

senior-crossing-1253800

Take some time to peruse these links:

 

“I don’t know about you, but sometimes I feel like there is too much for us to keep track of and never enough time to get it all done. And sometimes it can be daunting knowing where to start when looking for information about buying a home, figuring out life insurance, or managing life with a disability. That’s why I’m grateful to have so many wonderful resources available on the internet. There are all kinds of resources that can help make financial planning and life in general easier for all Americans, including seniors, veterans, and those with disabilities.” — Kayla Harris

These are from Kayla Harris, also from elderimpact.org:

 

“Some of the greatest partnerships I’ve ever seen have been between senior roommates. Whether it’s a married couple who’ve spent decades together or a pair of siblings who retired together, the care and consideration they always have for each other never ceases to inspire me. I think sometimes we spend so much time worrying about whether our seniors can take care of each other that we fail to see the amazing ways that they do.” — Marie Villeza

love-1471183

Thanks so much, Marie and Kayla!

PKF

© 2017 Paul K. Fox

Photo credits from FreeImages.com: photographers Ned Horton (hands), Benjamin Earwicher (going shopping), Michelle Kwajafa (senior crossing), and John Meyer (love)

Pet Ownership & Retirement

pmeaReprinted from the Winter 2016 PMEA News, the state journal of the Pennsylvania Music Educators Association.

 

 

Many of us already know the immediate joys of dog or cat ownership – how much fun, affection, and meaning they can bring into our lives. According to HelpGuide.org International, a nonprofit tax-exempt 501(c)3 organization of “digital mental health pioneers,” pets also provide numerous benefits for your health and well-being, and even your longevity. Quoting from their website (http://www.helpguide.org/articles/emotional-health/the-health-benefits-of-pets.htm):

doggies_ - 3“Dogs in particular can reduce stress, anxiety, and depression, ease loneliness, encourage exercise and playfulness, and even improve your cardiovascular health.”

Studies have found that dogs improve our mood and health:

  • Pet owners are less likely to suffer from depression than adults without pets.
  • People with dogs have lower blood pressure in stressful situations than those without pets
  • Playing with a dog or cat can elevate your levels of serotonin and dopamine, which calm and relax.
  • Pets can help lower triglyceride and cholesterol levels (indicators of heart disease).
  • According to the American Heart Association, heart attack patients who have dogs survive longer than those without.
  • Pet caretakers over the age 65 make 30 percent fewer visits to their doctors than those without pets.

doggies_ - 5Once you reach full retirement, you may find yourself with a lot more “freedom” and time “at-home” to share with your spouse, other loved ones (babysitting grandchildren/ nieces?), friends, personal music-making, hobbies, and pets! Indeed, this may be the first chance you have to go out and rescue a dog from an animal shelter. Full-time music teachers with those incredibly packed schedules of after-school/evening marching band practices, choir, band, orchestra, jazz, musical, and/or dance rehearsals and performances, their own concert gigs, private lessons, etc. may not be able to properly care for a dog by themselves. The only reservation to bringing a new dog into your home is if you plan to take a lot of long trips in retirement. Perhaps then, you can revisit the option of animal adoption after taking several cruises, safaris, and cross-country road trips. Pets need your love and attention!

Having a dog or cat as a retiree will support many healthy lifestyle changes, such as (from HelpGuide.org):

  1. Increasing exercise
  2. Providing companionship
  3. Staying connected and meeting new people
  4. Reducing anxiety
  5. Adding structure and routine to your day
  6. Providing sensory stress relief
  7. Helping you find meaning and joy in life
  8. Boosting vitalitydoggies - 3

You need to read the entire HelpGuide.org blog-post and Harvard Health Publications for more information about dog ownership and issues dealing with heart-health, weight-loss, boosting your immune system, bipolar disorder, PTSD, Alzheimer’s patients, and children with learning disorders. They provide additional tips on choosing a pet, and the costs and commitment associated with them. Other excellent online resources include:

doggies_ - 4Several of my own experiences “learning and growing” with Brewster (a yorkie-poo) and Gracie (a bichon frise), “new children” added to my household immediately after retirement, are shared at https://paulkfoxusc.wordpress.com/2015/09/22/what-i-have-learned-from-my-dogs-in-retirement/. Here are a few of the intangibles…  “rules for healthy living” our pets model and we realize by having them:

  1. Life is all about taking a long walk, smelling the roses (and everything else), bamboozling another treat from “daddy,” and getting your ears scratched or belly rubbed.
  2. Live enthusiastically in the “here and now.”
  3. Forgive unequivocally and immediately, and always run to greet loved ones when they come home.
  4. Whenever possible, fearlessly explore the fringe (almost beyond the reach of the leash).
  5. Relax and snuggle with someone you love as often as possible.

doggies_ - 7So fdoggies_ - 8or what are you waiting? Go out and find a dog or cat to rescue… or at least pet one! You’ll be glad you did!

PKF

 

© 2015, 2016 and 2017 Paul K. Fox

renew-your-membership2

This article is a complimentary re-issue to motivate retired music educators to join PMEA – their professional association. For more information, please go to the PMEA website http://www.pmea.net/membership-information/ and read the blog-post “PMEA in Retirement – What’s in it for Me?”

How Retirement Has Changed Me

Part I: One retiree’s quest for learning technology, science, and history

Freedom! “Living the dream” in post-employment life has opened so many new avenues of exploration, allowing me to embrace many things I have always wanted to try. Released from the 24/7 nature of running a music program, classes and/or ensembles (even at rest, your mind is still “back at work” thinking about your next lesson or concert selection – and we all know how much time we spent on extra-curricular activities and professional development), you must now find your own intellectual stimulation, replenish your “curiosity quotient,” rekindle your creative self-expression, and re-invent yourself. laptop-1242490

Gone are the days that my laptop computer was used mostly for taking daily homeroom and class attendance, updating the student data in MMS or the grade-book program, and reading school emails and directives from administration. Thank god, those forms of “technology” are “retired” (probably permanently for me).

Following my own advice from this series of blogs on retirement resources, I have had no trouble “finding purpose, structure, and community,” emphasized by Ernie Zeliniski as key components in his bestselling book, How to Retire Happy, Wild, and Free. However, keeping track of the schedule (since it is ever-changing) can be a challenge! Our numerous appointments, lunch dates, babysitting chores, volunteer hours, and medical checkups now land at more unpredictable dates. Happily, the iPhone calendar app, which is linked to my wife’s devices, too, calendar-series-2-1192572is the most essential “tech tool” to maintain your “now busier than ever” daily/weekly plan.

It should be mentioned, if you are a fan of Google gmail, there is also an excellent Google Calendar, as well as a place for contacts, documents, and photos stored safely “in the cloud.”

Updates and Passwords

Retirement provides me more time to literally “figure out technology.” Although I would never claim to have much skill as a nerd (nor would I ever try to seek employment as a member of the highly esteemed Geek Squad), I am finally taking the necessary steps to update my software more regularly, download revised apps, and even go as falinux-login-1497422r as changing my passwords. Everyone knows, with hackers lurking around every corner of the Internet, you are supposed to do two things: have a different password for each application, and from time to time, change these passwords. They should not be something someone else could guess, like “1234” or your phone number or the nickname “foxy” for me. A “good” password should utilize numbers, capitalized letters and small-case, and special characters like $, &, or underline. Using a password manager program like Last Pass (my favorite, and it also comes with a “free version”), you can generate totally random characters for any password and maintain a secure “password vault” under one “master password.” For password manager reviews, check out PC Magazine: http://www.pcmag.com/article2/0,2817,2407168,00.asp.

Media Moments

When I was teaching, after a long day of classes and rehearsals, the purpose of the television was to put me to sleep when I got home. Of course, that has not changed much. I hate television. There are very few programs in which I am interested. However, I finally got around to discovering what Amazon Prime and Netflix offer. Crazy old Trekkies like me can now can view every episode of the original Star Trek series in chronological order. When my wife revisits her fixation on the new Gilmoreleo-logo Girls three-part movie or The Crown (Netflix), all I have to do is go into another room, fire up my computer’s browser, and check out the latest video podcast of “Leo the Tech Guy” (techguylabs.com) or any number of the playlists of Ted Talks (these about music caught my notice):

silent-serviceOne of my hobbies furthest from a career in music education has to do with collecting and reading books about World War II, particularly U.S. Navy, submarines and surface fleet. One of my fellow hospital volunteer escorts, a veteran of the Vietnam war, turned me on to the free classic online episodes of T.V. series The Silent Service, for example the 25-minute 1957 broadcast of  SS Tinosa Story #8310 (https://www.youtube.com/watch?v=g1nESHgqAnY) archived by Persicope Film LLC.

Almost anything can be found on the Internet. Archived in YouTube, do you remember that old science film your elementary teacher may have shown called  “Hemo the Magnificant” https://www.youtube.com/watch?v=08QDu2pGtkc? Although the content is out-dated, I can’t help being a little nostalgic in sharing the entire “Bell Lab Telephone” series:

  1. Our Mr. Sun (1956)
  2. Hemo the Magnificent (1957)
  3. The Strange Case of the Cosmic Rays (1957)
  4. The Unchained Goddess(1958)bell-lab
  5. Gateways to the Mind (1958)
  6. The Alphabet Conspiracy (1959)
  7. Thread of Life (1960)
  8. About Time (1962)
  9. The Restless Sea (1964)

The Rise of “Siri” and other Personal Assistants

My new girlfriend Siri has become a constant trip partner, not just for using turn-by-turn directions (often needed since my wife would tell you I can get lost in my closet), but to open up opportunities for brainstorming and sound out new ideas for my  writing. Whenever I am “on hold” sitting in a doctor or dentist office, doing family shopping at the mall, or even waiting for traffic at an accident or during rush hour, my hands-free blue-tooth connection allows me to “babble” my thoughts into an app called Evernote, which provides (not always accurate) transcripts that can be downloaded from any of my devices including my computer. Later on, I can use the text as a basis for an article’s outline or to add to my “honey-do” list. However, just remember, you should not use this “tech technique” while driving… the distraction of turning Siri on and off or viewing your last entry does not allow for safe/alert driving!

echoPowered by artificial intelligence, other voice-activated virtual assistants and knowledge navigators including products like Google Home and Amazon Echo (with a different “girlfriend” named “Alexa”) are flooding the market. This should be no surprise… the 21st Century seems to be developing many new inventions of super-automation, not so far from the female-voiced computer interface on the USS Enterprise (Star Trek) that could control everything. Soon you may take a ride from Uber in a driver-less car or “program” the autopilot on your pure-electric Tesla. Do you foresee the time when you will accept your Amazon merchandise or pizza being delivered from the air? What were those drone-operated lights we saw in the background of Lady Gaga’s halftime performance at the 2017 Super Bowl… possible future special effects for HS musicals and marching band shows?

My generation of teachers who entered the profession had no experience or training in microcomputers, tablets, smartphones, smart watches or other devices, or virtual reality headsets. (They weren’t invented yet!) Throughout the advent of technological “innovations,” many of us felt like we were “technology immigrants” trying to catch-up! It was easier for those “technology natives” born after 1980 since they grew up with the Internet. Change is inevitable, and we are all life-long learners. So it almost goes without saying: You can teach an old dog new tricks… even retired music teachers and other baby-boomer retirees how to grasp the fundamentals and benefits of technology, media, and online learning.

PKF

© 2017 Paul K. Fox

(First four photo credits: Ned Horton, Jean Scheijen, Maxime Perron Caissy, and Joshua Davis at FreeImages.com)

“Act Well Your Part; There the Honor Lies…”

Amateur/Community Theater Groups in PA

pmeaReprinted from the Fall 2016 PMEA News, the state journal of the Pennsylvania Music Educators Association

 

Opportunities abound for “hands-on” participation in community theater, volunteering as an actor, singer, dancer, musician, props or scenery painter, make-up artist, costume seamstress, stage technician, usher, box office sales or marketing staff, etc. As you can see at the PMEA link below, there are numerous amateur groups throughout the state.

The payback of theater involvement (for all ages, full and part-time workers, soon-to-retire, and retired members) is well-documented. For example, according to the www.openartsalliance.com, “Theatre is one of the oldest and most influential art forms. It combines interpersonal skills with intrapersonal awareness. Just think about ALL the benefits that theatre can offer artists young and old alike!”

  1. Self-confidence and risk taking
  2. Imagination and creative self-expression
  3. Empathy and tolerance
  4. Cooperation and collaboration
  5. Concentration
  6. Communication skills
  7. Emotional outlet
  8. Problem solving
  9. Fun and relaxation
  10. Self-discipline
  11. Trust
  12. Memory
  13. Social awareness
  14. Aesthetic appreciation
  15. Physical fitness

drama-1436610-1With the help of PMEA State Director of Member Engagement Joshua Gibson, PMEA retired members researched and compiled a PA community theater directory, to join the listings of bands, orchestras, and choruses posted on the PMEA retired members’ website.

This project was daunting! Just because a group advertises as serving as a local “civic theater,” it does not mean there are “open” auditions for non-Equity actors, or volunteers can lend a hand in making the sets/costumes or running the stage tech (although everyone usually asks for money or unpaid ushers!). It was found that some semi-professional companies act very “community” oriented, while others are really “closed shops!” Even if it was hard to discern their “amateur” status or opportunities for nonprofessionals, most PA organizations and contact information were included… to allow PMEA members to find out for themselves if the association would accept non-union actors, etc.

Another problem was that many small theater groups do not maintain a web-page. We had trouble confirming they were active (names or locations changed a lot, too). Scores of amateur drama companies are likely missing. Please consider this a “first draft” and send all corrections to paulkfox.usc@gmail.com.

For retiring and retired PMEA members, good advice comes from Ernie J. Zelinski, author of the book How to Retire Happy, Wild, and Free.

Zelinski“Two essentials for successful retirement are sufficient funds to live on and sufficient things to live for. You may have the funds and a list of interests, hobbies, and leisure activities that will keep you busy. Nonetheless, if you want your retirement to be satisfying, these activities may not be enough. You may need an overriding purpose.

“While describing retirement, George Bernard Shaw concluded, ‘A perpetual holiday is a good working definition of hell.’ Shaw was right in that retirement can be hell for those who don’t put any purpose into it. On the other hand, for people who have some major purpose to their lives, retirement can be heaven.”

You have heard it before… For a happy, healthy, and meaningful retirement, revisit your “creative roots,” the reason you went into music in the first place. Have you always wanted to explore or nurture the “thespian” in you? Here’s your resource to get started today! Get out there! “Bring down the house.” “Break a leg!”

Additional sources of information:

To download the updated PMEA Amateur/Community Theater Company listings for Pennsylvania, please click on the link at http://www.pmea.net/retired-members/.

PKF

© 2017 Paul K. Fox

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This article is a complimentary re-issue to motivate retired music educators to join their professional association. For more information, please go to PMEA website http://www.pmea.net/membership-information/ and read the blog-post “PMEA in Retirement – What’s in it for Me?”

 

(Photo credits: Loretta Humble and Shamseer Sureash Kumar at FreeImages.com)

 

PMEA in Retirement – What’s in it for Me?

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PA Music Teacher Retirees – Renew Your Membership!

On behalf of the 375+ retired members of the Pennsylvania Music Educators Association (not to mention the nearly 4000 regular and collegiate members), let me congratulate and welcome you to retirement!

chorus-515897_1920This will sound like an advertisement (it is)… for retaining one’s professionalism, keeping involved albeit less active in the profession, supporting the future of music education, and on occasion lending a hand to PMEA throughout retirement! In return, the association will provide you opportunities to record and post your career accomplishments and position assignments (past and in the future), network with your friends and colleagues retired or still “in the trenches,” and nurture your personal quest for creative self-expression and artistry… everything from guest conducting or adjudicating ensembles to writing for PMEA publications or presenting sessions at the conferences. It is all about YOU!

When (now) Immediate Past President Dennis Emert appointed me to the position of State Retired Member Coordinator four years ago, I had no idea what I could offer… except to serve as a “cheerleader” and represent the best interests of our music teacher retirees. This blog-post is to acquaint you with the rich assortment of resources PMEA offers to its retired members, and examples of our retirees’ news, views, and rationale for continuing their participation in PMEA… even take a peek at sample Retired Member Network eNEWS issues and articles in PMEA News. That’s what’s in it for you!

grandfather-on-the-porch-1398795Research indicates that people either LOVE retirement or HATE it, and their journey to the blessed “golden years” can have many ups and downs, especially for type-A, peak-performing individuals who (used to) spend large amounts of time and personally identified with “the job…” like many music educators. Since retiring myself from the Upper St. Clair School District in June 2013, my goal has been to help others enjoy this life-changing passage, cope with life-style changes/altered expectations, and find creative new ways to self-reinvent and thrive. Objectives for retired members in 2016-18 are:

  • Continuation and expansion of PMEA Retired Members’ projects started in 2015-16, including the Retiree Resource Registry (R3), PA community band, orchestra, chorus and theater group listings, opportunities to volunteer at conferences, sessions on “how to retire,” etc.
  • Exploration of new and unique ways to inform, motivate, engage, and activate PMEA retired members, to enhance their feelings of value, purpose, and being “needed and useful” in support of PMEA and the music education profession: “The mission of the Pennsylvania Music Educators Association is to advance comprehensive and innovative music education for all teachers and students through quality teaching, rigorous learning, and meaningful music engagement.”
  • Improvement in data tracking of retired members’ membership status and contact information in order to “keep connected”
  • Publication of news, awards, appointments, and successes of retired members
  • Promotion of additional tools for a smooth transition to happy retirement

Your first stop for retirement resources should be the PMEA website (look under the top menu “Focus Areas”), where we post recent editions of past issues of the digital newsletter Retired Members Network eNEWS, relevant articles in PMEA News, etc. Take a moment and “surf the net” at http://www.pmea.net/retired-members/.

OLYMPUS DIGITAL CAMERA

There’s so much you can do now that you are retired! Now that you have “more freedom” to seek out purposeful and “fun” activities in education (but only the things you WANT to do!), ask yourself: “How you can rekindle your expressiveness?”

  • Why did you go into music and education in the first place?
  • What have you always wanted to play… sing… compose… conduct… record… create?
  • Have you thought about learning a new instrument, skill, or musical style?
  • When will you complete your own “Mr. Holland’s Opus” and have it performed?
  • When are you going to publish your songs, sonatas, warm-ups, methods, essays on pedagogy, musical plays, halftime shows… or personal memoirs?
  • What is your next article, book, method, composition, drum-line feature, etc.?
  • When are you going to join a community band, orchestra, chorus or theater group?

Or, if you would like to “give back” to the profession, “stimulate your brain,” and develop more association leadership, you can jump in to PMEA and explore any of the following:

pmea-model4

  • Run for local or state PMEA office or council position
  • Serve as presiding chair or member of the PMEA planning or listening committees for the conference
  • Participate as guest lecturer or panel discussion member at a conference, workshop, or college methods program
  • Judge local/state adjudication festivals
  • Help plan or manage a local PMEA festival or workshop
  • Accompany, coach, or guest conduct festivals or school/community groups
  • Assist the local music teacher in private teaching, piano playing, marching band charting, sectional coaching, set-up of music technology, instrument repair, etc.
  • Write for PMEA or NAfME

r3_logoAre you still willing to “lend a hand” on PMEA projects or share your expertise and provide a free (but priceless) consultant service to new/transferred PMEA members and officers? We constantly update and publish a Retiree Resource Registry http://www.pmea.net/wp-content/uploads/2014/10/Retired-Resource-Registry-updated-05-15-2017.pdf and R3 Help Index http://www.pmea.net/wp-content/uploads/2017/06/R3-Help-Index-052917.pdf on the website. This project is a “win-win” as it also allows the retired member a place to archive all of his/her achievements, awards, past and current assignments, interests, and hobbies. To join this prestigious roster of “who’s-who of past music teaching leaders in PA,” please go to https://pmea.wufoo.com/forms/pmea-retiree-resource-survey/ or the PMEA website to complete the R3 sign-up survey.

Do you know it only takes $30 to join as a PMEA Retired Member ($65 for joint membership to NAfME and receipt of their publications as well!). What a deal! The membership form is at http://www.pmea.net/membership-information/.

Lancaster MarriottIn addition, retired member registration at the annual PMEA Spring Conference is… (drum-roll, please!) ONLY $10 early-bird! Our next spring conference will be held on April 19-21, 2018 at the Lancaster Marriott & Convention Center. Music teacher retirees get to enjoy some social time to “swap stories” with a FREE breakfast on Friday, April 20. In addition, we are looking for volunteers to help man the PMEA Info Booth… of course, “retired members to the rescue!” Invitations and more details will go out to current members next month, but check out this section on the PMEA website for more information about the conference: http://www.pmea.net/pmea-annual-in-service-conference/.

In case you are interested, a past PMEA summer conference session on retirement is posted on the retired members’ section. Feel free to download the workshop’s slides (https://www.pmea.net/wp-content/uploads/2014/10/Retirement-Planning-Its-Not-About-the-Money.pdf) and the recently revised handout https://www.pmea.net/wp-content/uploads/2014/10/ultimate-retiree-resource-guide-111717.pdf, the latter probably the most comprehensive “reading list” ever published for music teacher retirees.

PaulFox_LogoAs a part of reflection and sharing of positive strategies for “Crossing the Rubicon” to a happy, healthy, and meaningful retirement, I have assembled a super-site of every website, article, book, publication, etc. of post-employment “gurus” that I could find. Visit the top menu link “For-Retirees” and come back often for updates.

Finally, since January 2017, we have published numerous retired member columns in the state journal PMEA News (access to current PMEA members is available at https://www.pmea.net/resources/pmea-news/):

  • “Pet Ownership and Retirement” (Fall 2016)
  • “Act Well Your Part; There the Honor Lies” (Winter 2016)
  • “Tips for Music Teachers Who Are Retired, Retiring, or Soon-to-Retire” (Spring 2017)
  • “What Are You Going to Be When You Grow Up?” (Summer 2017)
  • “The Vocabulary of Retirement and Leisure” (Fall 2017)
  • “Sailing Through a Proverbial Sea of Self-Help Books on Retirement” (Winter 2017)

Also, as a teaser, check out the archived PMEA Retired Member Network eNEWS editions… probably alone worth the discounted membership fee? (But, if you have the time and desire, perhaps you can submit better jokes and stories to “editor” Fox?): https://www.pmea.net/retired-member-network-enews-archive/.

Enjoy retirement… you have earned it! However, don’t forget the THREE BASIC NEEDS that work fulfills and which are essential to retirement, according to Ernie Zelinski, the best-selling author of How to Retire Happy, Wild, and Free:

  1. Purpose
  2. Community
  3. Structure

Let PMEA Retired Membership help you on the way to self-fulfillment as you take the journey towards “living your dream and finding joy in your life!”

PKF

© 2016 and 2017 Paul K. Fox

(Photo credits: FreeImages.com)

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Is It Autumn?

Retirement… and the Seasons of Change

As I walk my two energetic dogs near our local school and park today, I noticed that the leaves are “holding on for dear life,” most have not fallen nor started their usual color transformations. This is Western Pennsylvania in mid-October. What is happening? What forces are disrupting our cycle of the seasons… from the normal spring re-awakening of our senses, to the heat and glory of summer, to the falling temperatures and brilliance of color in the autumn, just before everything shuts down for winter? Global warming? (Well, it was a balmy 75-degrees today!) Or, nature’s way of holding on to the past… and living every moment to its fullest?

Well, one thing is for sure. You can smell that change is in the air… and in our lives as we take on the great trek to retirement  – a process, like the unpredictable and evolving seasons, which can self-empower and lead us to creative ways to self-reinvent and thrive.

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If you stop to think about it, full-time retirement embraces many of the analogies we use for our changing seasons. If those early years of education, staff orientation and induction, job training, in-service programs, conferences, etc. stand for rapid growth and the budding months of spring, perhaps summer symbolizes our career accomplishments and professional journey towards harvesting our special skills, experiences, and interests in early fall. One may accurately depict the onset of a gloomy late autumn and stormy winter weather as our release from the employment routine, the sudden free-fall of retirement, retooling and coping with the emotional turmoil of momentous life-style changes, possibly even a short hibernation (rest, reflection, and a less frenzied schedule of activities), but eventually planting the seeds of new goals, habits, perspectives, and expectations… which leads us back to spring – the season of renewed hopes, revitalized rebirths, and new beginnings.

“Retirement is the last opportunity for individuals to reinvent themselves, let go of the past, and find peace and happiness within.” – Ernie J. Zelinski

Research suggests that, as wonderful as the retirement “voyage” is for some, many do not find it “clear sailing!” Dr. Robert P. Delamontagne wrote in his book Retiring Mind (Fairview Imprints, 2010), “50% of retirees will suffer some form of acute emotional distress. This is potentially a very large problem given the fact that 10,000 people are becoming eligible for Social Security every day for the next 20 years in the US alone.”

In the event your job was cut or downsized, or you were forced into “early retirement,” you may even be in the partial grips of post-traumatic stress disorder, or experiencing some of the stages of grief and loss (http://www.webmd.com/mental-health/mental-health-coping-with-grief):

  • autumn-1Denial
  • Bargaining
  • Depression
  • Anger
  • Acceptance

At the very least, the passage to post-employment boils down to coping with a few of these very common emotional “bumps” along the way:

  • Loss of professional identity
  • Loss of goals, daily routine, and purposeful activity
  • Loss of social network and interaction with co-workers

“The greater part of our happiness or misery depends on our dispositions, and not our circumstances.” – Martha Washington

The good news? Yes, you can survive “Crossing the Rubicon” into retirement… and flourish while “living the dream” in your supposed “golden years.” Advice from gerontologists, psychologists, and other “experts” on aging include the following:
  • Prior to retiring, prepare for “life after work.” Cultivate interests outside the job, lead a healthier life-style, revitalize family relationships, and nurture friendships.
  • Stay engaged! Understand many “high achievers” never fully retire.
  • Take a break and self-reflect on trying new and fulfilling quests of work/life balance.
  • Find purposeful activities to do during your retirement.
  • Focusing on your talents and abilities, and set some new goals regarding how you want to spend your free time.
  • Because your brain’s reward center likes variety, give yourself an assortment of new or unique experiences.
  • Treat your first year of retirement as if you are interning.
  • Reprogram yourself to be less addicted to achievement (or linking your self-identity or self-worth to a job).
  • Limit your television viewing time (less than two hours a day!)
  • Plan some regular physical activity.
  • Revisit your creative roots and enjoy personal moments of “making music” – singing, dancing, playing instruments, composing, doing drama, writing, painting, sewing, woodworking, etc. – in short, CREATING SELF-EXPRESSION!

“If you were planning to spend the rest of your life in another country, you would want to learn as much about it as possible. You would read books about the climate, people, history, and architecture. You would talk to people who had lived there. You might even learn a bit of its language. Old age is like another country. You’ll enjoy it more if you have prepared yourself before you go.” – F. Skinner and Margaret Vaughn in TIPS Retirement for Music Educators, MENC 1989

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If you ask the average retired music teacher, “Let’s get together for lunch. When are you free?” you’ll probably witness the retiree whipping out his smartphone to check his calendar app. Retirement does mean freedom, but it often also induces a very busy schedule of new commitments, perhaps even related “encore career pursuits” involving music and education such as student teacher supervision, private tutoring, coaching sectionals or small ensembles, assisting local music industry in organizing music tours/trips or delivering rental or repaired instruments, babysitting grand children or others, care-taking for an elderly loved one, etc.

“There is no pleasure in having nothing to do; the fun is having lots to do and not doing it.” – John W. Raper

A lot of our retired members enjoy part-time positions in guest conducting, teaching or presenting at the college level, providing private lessons, serving in state MEAs or the National Association for Music Education (NAfME), or other consultant services like the special interest categories on the PMEA State Retired Resource Registry Index. Many of these jobs can be started before retirement, just expanded to fit your new-found flexibility of fewer conflicts or time constraints.

The best advice I can give to newbie retirees is to learn from your peers and the successes of others who have come before you. Read everything you can get your hands on from these online “gurus” of retirement:

Check out other articles at this blog (click on “Retirement Resources” at the right), and peruse my two blog-posts at Edutopia:

Finally, if you are a NAfME member and want to see a little of Atlantic City next spring, come to my session, “Living the Dream – Survival and Celebration of Retirement” at the 55th Biennial Eastern Division Conference April 5-8, 2017 (I believe I am presenting on Thursday.) Join us, retirees! It will be FUN!

PKF

© 2016 Paul K. Fox

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