• About

maryelizabethtrevino

~ Aging

maryelizabethtrevino

Tag Archives: Retirement

Call Him Courage

03 Friday Jun 2016

Posted by mbtrevino in Cancer, Courage, Uncategorized

≈ Leave a comment

Tags

Cancer, Courage, Meterology, Retirement

The last class he taught was Meteorology. It was mainly to cadets. He was on his last legs and they were only just learning to really walk. He’d sent me an email asking to meet. He starts another round Chemotherapy next week. After his last round, what he calls “Chemo-brain” hung on far too long.

I met with him yesterday. I needed to honor his recent retirement.  As the adviser for the Master’s program he was the faculty counselor I met with during the interview process. I’d decided I should get a Master’s Degree at the age of 52 when it looked like I needed to provide income for a very young niece and nephew.  I got my Bachelor’s Degree in 1976 and applied to grad school 30 years later. Yikes.

He was the professor that ‘Hooded’ me when I walked for that degree two years later. Hurricane Ike hit our coastline the September before my December graduation. Our entire campus relocated from Galveston to College Station that semester. I was allowed to stay on the island since I was a research assistant for Center for Texas Beaches and Shores and I was needed to conduct initial field assessments.

I carved out an hour of my busy time to sit and share a hot chocolate with this kind man. His physical demeanor has changed drastically since his battle with cancer. He told me that this last semester was nearly impossible, though he loves teaching Meteorology. An essential science for all but particularly those who spend time at sea. Atmosphere controls the weather. Weather can wreck ships and lives.

I asked him about his wife. He said she is putting up with him. I suggested we walk over to the floral department so he could take home a small bouquet. Turns out the florist was someone he knew from his church. He introduced me to him as one of his favorite people. I noticed tears pooling in his eyes.

I write this tribute with tears in mine. I am eternally grateful for his gentle guidance and steady encouragement. I know that my life was not the only one he helped. May his last class of cadets grow to be the caliber of human that he is. May his courage help them weather whatever storms they may face.

SilverTsunami

26 Thursday Feb 2015

Posted by mbtrevino in AARP, Aging in Place. Seniors, Boomers, Economic Insecurity, Retirement, SilverTsunami

≈ Leave a comment

Tags

Aging, Boomers, Economic Insecurity, Eldercare, Elderly, Poverty, Retirement, SilverTsunami

Millions of people will enter retirement without sufficient resources to house and feed themselves for the rest of their lives. This “Silver Tsunami” is coming as the boomer generation enters their senior years. Between 2010 and 2030, the number of older Americans will double, to 72.1 Million. For the first time in history, people over 65 will outnumber children under 5. This past recession destroyed the dreams of a tradional retirement for many. When seniors are no longer employable or capable of working, there aren’t adequate strategies to keep the boomer generation out of homelessness and hunger. In the next 10 years, the “Silver Tsunami” will burden the social services system, tax communities and stress families to the point of collapse.

President Kennedy established Older Americans Month in 1963. Seventeen million Americans were 65 or older, about a third of those seniors lived in poverty. Now, according to a recent Census Bureau report, there are 40.3 million people aged 65 and older. Over 23 million Americans aged 60+ are economically insecure; living at or below 250% of the federal poverty level. According to AARP, in eight years, from 2001 – 2009, the number of Americans aged 50+ threatened by hunger soared by 79 percent, to nearly 9 million people. The Center for Retirement Research at Boston College said in 2013 that more than half of working-age households faced a deteriorating standard of living in retirement.”

According to the California Commission on Aging, the average income of elderly Californians is about $25,500, and Social Security accounts for 28 percent of older Californians’ income. A UCLA Center for Health Policy Research and the Oakland-based Insight Center for Community Economic Development estimated that 7 out of 10 elderly Latinos and African-Americans and six out of 10 Asians don’t have enough income to pay for their basic needs. Published in 2012, a Pew Research Center study found that the percentage of people ages 55 to 64 who doubt they will have enough to live on during retirement increased to 39 percent in 2012 from 26 percent in 2009. Meals on Wheels Research Foundation reports the number of seniors experiencing hunger rose 200 percent between 2001 and 2011.

There are deliberate decisions to consider and action steps to take.

First- Figure out where you want to live. Housing is the critical issue. The Internet is filled with lists of the most affordable places to retire. Based primarily on home prices, they also take things into consideration like weather and crime rate. Most of them ignore the desire and need to be near family, friends (caregivers) and facilities (healthcare, recreation/community centers/resources) If uprooting and relocating is an option, try an extended stay at a few places before you fully commit to moving. This is a step you should carefully explore before you retire. Prepare your living space for the long haul; if you plan on staying in your current home, make absolute certain it can accommodate you as your body morphs with age and possibly disease. Unforeseen mobility issues will complicate almost every single activity of daily living; practically every possible thing. Think about steps, stairs, hallways, first floor bedrooms, lighting, kitchen and bathroom cabinets, electrical plugs and switches that you can reach. Ease of bathroom access and functionality is essential.  Borrow or rent a wheel chair and see how your activities of daily living work out. Think hard about how much space you actually need and want to maintain. Even if your home is paid off, houses are expensive to heat, cool and maintain. Consider ways your home can provide additional income; rent a room to a college student or another retired person thereby turning it into a source of income for you. If any remodeling or updating needs to be done, do it while you are up for this mentally, and financially challenging process.

Deal with the Directives, wills, etc. (Advanced Directives) Medical and Durable Powers of Attorney. Have these serious,honest and often uncomfortable conversations with your children, friends, family members. Do it now.

Start saving. AARP reports that three out of five households headed by a person 65 or older have ZERO money in retirement savings accounts. Be reasonable about this. Earn potential prosperity from acceptable austerity.

Learn to budget (again) Retired people that live on fixed incomes generally use a combination of Social Security and a pension and/or withdrawals from their 401k or IRA. Occasionally, there may be passive income. Run the numbers now. Create a Long-Term plan and prepare a plan B as well; life can throw costly curve balls.

ALSO- Adjust your expectations. You will not have your parents’ retirement or even the one you were anticipating 10 years ago. Plan to work longer and be creative about producing income and reducing expenses. Be realistic about the life style you want to maintain.

Subscribe

  • Entries (RSS)
  • Comments (RSS)

Archives

  • July 2020
  • April 2020
  • September 2019
  • June 2019
  • February 2019
  • September 2018
  • March 2018
  • February 2018
  • December 2017
  • August 2017
  • July 2017
  • June 2017
  • February 2017
  • December 2016
  • November 2016
  • October 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014

Categories

  • AARP
  • Accessible Home
  • Addiction
    • Marijuana
  • Addiction, Accident, Landlord
  • Aging
  • Aging in Place. Seniors
  • Alzheimers
  • American Greatness
  • Anti-Aging
  • Assault Rifles
  • Assisted Living
  • Awaken
  • Balance
  • Ban Assault Rifles
  • Bill Cosby
  • Binge Dating, Sneak Dating, Surplus Dating, Night School
  • Blindness
  • Boomers
  • Brain
  • Bridget Jones
  • Cancer
  • Chicken Sitting
  • Child Saint
  • Cholera Kills
  • compassion
  • consumer consequences
  • Courage
  • Dating, On-line dating, humor, rent a guy
  • Dealing Drugs
  • Dementia
  • drugs
  • Ebola
  • Eclipse
  • Economic Insecurity
  • Elders
  • Exploding Hearts
  • First Responders
  • Forgiveness
  • Galveston
  • Goodness Rules
  • Grandparenting
  • Grief
  • Gun Control
  • Heartburn
  • Hero
    • Stranger
  • HomeDepot
  • Hot mama
  • Humiliation
  • Hurricane Preparation
  • Independence
  • insanity
  • iOS8
  • Isn't She Wonderful
  • livability
  • Livable Community
  • Love
  • Lowe's
  • Make Peace
  • Mental illness
  • Merle Haggard, Willie Nelson, Kris K,
  • Meth
  • misdiagnosis
  • N Word
  • Name Calling
  • Neighbors
  • Neighbors, Property Lines, Battle Lines, Warned
  • New Starts
  • New Year Resolution, Forgiveness, Past
  • Obsession
  • Opioid Overdose Epidemic
  • Orlando
  • Ott-Lites
  • Overdoses
  • Parenting
  • passion
  • Peace
  • Plastic Trash
  • Playing Possum
  • Prejudice
  • Pride
  • Public Health
  • Racism
  • Rape
  • Recovery
  • Refugees
  • responsible shrimping
  • Retirement
    • Silver Tsunami
  • Robin Williams fan
  • Saint
  • Salvation
  • School Shootings
  • Sea Traitor
  • Secret Messages
  • Senior Moments
  • SilverTsunami
  • Social Norms
  • Storms, Weathered, Toilet Bowl Fishing
  • suicide
  • surviving suicide
  • Thanks, Friends, Reunion
  • Tragic Loss
  • Trashed
  • Traveling with Alzheimers
  • Trip Insurance
  • Truth
  • Tumor
  • Turtles
  • Tweaking
  • Uncategorized
  • Vacation Rentals
  • Wardrobe Failure
  • Wildfire
  • Word Power
  • Yesterday,
  • Zombie

Meta

  • Register
  • Log in

Create a free website or blog at WordPress.com.

Privacy & Cookies: This site uses cookies. By continuing to use this website, you agree to their use.
To find out more, including how to control cookies, see here: Cookie Policy