Article Posted: 05/07/2008
Print this page
AgingPro Planning My Future 101
Go to comments (13)


Why Plan for My Future?

Looking ahead is something we all do to some extent. Most people give some thought to financial planning for retirement, for example. However, other than considering health insurance, few of us really take a serious look at how we might prepare for the life changes aging almost inevitably will bring.

 

Picture yourself at age 80. Now, based on your ideal scene, ask yourself these questions:

 

Where are you living?

What do you look like?

What condition is your body in?

What meaningful things are you doing?

What friends or family do you have near?

What type of lifestyle are you living?

 

Now, be honest with yourself.  What are you really doing now to create the circumstances—physical, medical and financial—you have visualized?

 

You have probably taken some steps in the right direction. However, if you’re like most folks, you probably haven’t considered the whole picture. So, since awareness is the first step in taking positive action, we have prepared this document to assist you in designing the future you really want instead of ending up in a situation you inherit by default.

 

Getting The Broader Picture

Planning ahead isn’t always easy because you don’t really know how your needs may change. However, you can make some educated projections and do some planning before a crisis occurs that allows you to be more calm, more thorough, and more thoughtful in exploring your options.

 

You may have seen your parents or older loved ones in their aging process. They have probably shown you things you want to do when you grow older, and things you would want to change. You will want to keep these awareness and lessons in mind as you plan ahead for your ideal future.

 

There are many good books and programs on planning for your future, however AgingPro provides a slightly different look at this topic. We assist you to know the realities of getting older that people just don’t talk about and you might not know to think about. Then we offer tips that we have learned from our aging clients for avoiding, putting off, or preparing for these realities. 

 

Pre-planning, taking preventative actions, and anticipating future needs will put you in charge of your future and more in control of your own aging. Most life issues fall into the categories of health, finance, home, activities/friends, work/leisure, personal/spiritual. Making the effort to anticipate what issues you might face, when you might need help, how you want to resolve challenges, and finding resources to locate the assistance you may need will allow you to enjoy your future to the fullest, now and in the future.

 

Preparing for Good Future Health

To many people, good physical, mental, and spiritual health is the greatest blessing they could ask for. Health impacts all areas of how you live and your quality of life. Personal lifestyle choices are important aspects of your future vitality and wellbeing. We all know that a healthy diet, keeping active, and regular exercise are important to long-term good health. You can make choices in these areas now that will promote health so that you will be able to enjoy your present and future life.

 

You could also start looking at any illness you currently have, or that run in your family, like diabetes, emphysema, heart disease, etc. Though you may have family history with some illnesses, inheritance only partly influences how our bodies change with age. Lifestyle factors play a significant role—and those are not programmed: they can be changed. Consult your doctor about how historical conditions in your family could manifest in the future. Can you head them off? If not, how can you prepare? Might their effects make it hard for you to get around or take care of yourself? You can also research disease-specific organizations to educate yourself on the course of various illnesses. Education is often the best resource for prevention as well as management of disease.

 

As you explore what may be in your future concerning health, you might be surprised to discover some interesting things. For example, older adults who regularly participate in physical activities, such as walking or gardening, can reduce the risk of falls, and improve overall health and mental well-being. These kinds of facts are plentiful and can assist you in enhancing the quality of life as you age.

 

Answering the following questions may give you some insights into what path you are currently on.

 

• How is your diet?

• How often do you exercise?

• How will you cope if you are affected by one of the common health problems of aging—changes in vision, hearing loss, arthritis and joint pain, decline in physical strength, energy and agility?        

• Do you find meaning through spirituality?

 

There are no right or wrong answers to these question. There is just information that can assist you in knowing what the future might hold for you.

 

Establishing a Solid Financial Foundation

What are you doing to prepare for you medical needs in the future? These are the single most costly expenses you will encounter.

 

As you look at this there is one piece of news you must know: The government, including Medicare, does not pay for long-term care needs, unless you live in a nursing home and find yourself in certain very specific circumstances.

 

This means that if you want to live out your days at home or in an assisted living facility, you need to pay for these things, or have (generally very costly) long-term care insurance. When it comes time to make choices about where you want to live, the first question is “how much money do you have?” This may not be as bad as it may sound. However, it could be a reason to forgo some expenditures that fulfill immediate gratification, knowing you want to maximize your choices later in your life.

 

AgingPro’s  What is Long-Term Care” document explains the reality of costs involved in the care you may need at some point. Other things you can do to get a good picture of your likely financial condition down the line include:

 

Review and understand your investment portfolio at regular intervals

Obtain professional financial advice. A certified financial planner can give you real information about inflation and how much money you need to save in order to have the lifestyle you want later in life. Now is the time to organize and plan your finances to support the happy and fulfilling older age you desire. Many people don’t have any savings, and feel intimidated at the thought of saving when they can’t even pay for what they have now. The first step is being honest with where you are now financially. Then you can make decisions that will impact your future. There are always choices available to you that will allow you to be in control of your life.

Research services that will pay your bills for you if or when you can no longer manage by yourself.

Explore your options for future home-care needs. Find local caregiving agencies in AgingPro’s directory. Learn what services you may qualify for that will bear little or no cost, and you can gain information on the charges for other services.  Geriatric care managers can guide you in this process.

 

Preparing for a Happy Home Situation

Where do you see yourself living in the future? If you’re like most people, the answer is “in my own home!” You can have your wish, especially if you plan ahead. Called “Aging in place,” being able to live out your life at home may involve:

 

• Sufficient finances to pay for caregiving, if needed

• Home modifications. Assess your home to see if changes will be needed. Often this can mean only a few relatively inexpensive adjustments to make your home safer and easier to live in, such as:

- grab bars in bath/shower and toilet area

- door openings wide enough for a wheelchair or walker

- ramps or lifts for steps or inclines

- counters and cabinets that are at a level that is easy to reach

- non-skid floors

- comfortable handles on doors or faucets

If mobility issues are probable, consider talking to a contractor or accessibility consultant to get estimates and options on various elder-friendly options.

• Researching products. There are many products available today—and more are showing up every week—to make daily tasks easier as we age. There are products to help you turn a door knob, get out of a chair, even pull up your socks.  Check out the AgingPro store for products that make your life easier.

• Learning about the senior services your community provides so you are aware of assistance available should you need or want it.

• Finding out where you can get help with housework, lawn, laundry, meals, shopping if you need or want it.

 

If your preference or current situation are not going to allow for you to age in place, consider alternative housing arrangements. AgingPro offers information on the various housing options available as we age, and there are housing referral services that can assist in your research.

 

As you look into alternative housing, decide what amenities are important to you in your ideal retirement home or community.

• Walking or jogging trails

• Outdoor spaces

• Public transportation

• Open spaces

• Lakes/ocean/waterfront

• Outdoor or indoor swimming pools

• Security guards

• Clubhouses          

• An exercise room

• Business centers

• Clubs or activities

• Spiritual worship facilities

 

Think about where you want to live, what setting you’d like, and the experience you are looking for. As the Baby Boomer generation approaches this phase of life, more options are appearing all the time. We encourage you to check in at AgingPro often to keep abreast of the most current developments in this growing field.

 

Covering All the Legal Bases

This is possibly one of the most important areas to have in order as you age. Make important decisions when you are at your best—you can always adjust or change them later. Be sure to have all appropriate legal documents in place, including:

 

Durable power of attorney for healthcare 

• Advance directives

• Durable power of attorney for finances

• Will

• Trust/Living Trust

 

In addition to legal documentation, it may serve you to make sure relatives are clear on your wishes for health care and finances.

 

Considering Important Social Issues: Activities and Friends

Are you the kind of person who gets bored at home? Or do you have a hard time leaving home? An integral part of aging well is to maintain social ties. Here are some things for you to know:

 

- Relationships in the household can provide social controls and peer pressure that promote better health behaviors, such as healthy eating and physical activity.

- Several studies have indicated an association between social support and cognitive function. A socially engaging lifestyle often results in higher cognition scores in both community and nursing home settings. Because social activities call for effective communication and participation in complex interpersonal exchanges, experts believe social support actually inhibits cognitive decline in the elderly.

- Along the same lines, elderly persons who had no social ties were at increased risk for cognitive decline, compared with those who had five or six social ties.

- Supportive relationships can increase feelings of self-esteem and control over one’s environment, resulting in greater motivation to care for oneself.

- Social support has been consistently identified as a factor in starting and maintaining physical activity.

- Research has also shown that social role involvement and personal control were factors not only in slowing age-related decline in physical health, but also in reducing levels of ADL disability.

- Social contacts and perceived social support from family members, friends and acquaintances are important for fulfillment of different social needs.

 

Balancing Work and Leisure

Moving from your younger years through “retirement” you enter a new phase in life. You may experience a less defined, less structured day free from the familiar responsibilities of full-time work. Even so, at any age, it is important to find meaningful activities to engage in. This may look like spending more time with grandchildren, volunteering for hospital, service organizations or church/synagogue/mosque groups, taking up a hobby, pursing life-long dreams, travel, new work, or finding opportunities for learning.

 

As you age, you may find your interests and abilities changing. Some folks find it comforting to lay out a plan anticipating how free time might be spent at each stage of life. In other words, skiing may be appropriate at one point and impractical at another.

 

Consider these ideas as ways to spend your leisure or free time and be sure to add to the list of questions you can ask yourself.

• How would you like to fill your free time?

• Would you like to volunteer somewhere? Where?

• Do you want to continue working as a paid employee somewhere?

• What are your underutilized talents—things you can do but never pursued?

• What do you look for to find meaning in your life?

• What have you done in your life that has made you happy or brought satisfaction? Try to recreate situations like them where you can flourish.

 

As you reach retirement age, the balance shifts from work and some leisure to leisure and work only if you choose it. Every person must find their own balance, however the best way to stay youthful and energetic is to be sure you have activities that are meaningful to you and give you reason to wake up feeling enthusiastic every day.

 

Personal Issues to Consider

If you find, as most do, that you have much more free time as you age, then, in addition to your daily activities, you have the luxury of looking at things you may never have considered before. These can include:

• What are your incompletes? Review them periodically—maybe yearly, like at New Years. Which are practical to complete?  Do you still want to complete them?

• We all leave a legacy. What would you like yours to be. What can you do about it?  Read about the Importance of Legacy Writing.

• What are your end-of-life wishes? Do you want to be buried or cremated? Do you want some sort of memorial service? Would you like a celebration of your life? Let those who will be responsible for these things know what you would like.

 

With a little forethought you can handle issues now, before they become pressing. Though our culture does not prepare us to deal with end of life matters, it very much serves us to do so.

 

The Bottom Line

Barring unforeseen accidents, aging is inevitable. With aging come certain changes—physical, mental, emotional, medical and legal. The good news is that you have a great deal of control over them, and your entire future living situation, if you know what to look at and plan ahead.

 

AgingPro is here to assist you in your future planning needs, with information and resources to help you prepare for what can be happy, healthy, and fulfilling years ahead.

 

Rating:

Recent Comments
Post Comment

Posted by: jeje222  on  09/13/2017
Report This

uggs outlet

dior sunglasses

ugg australia

burberry outlet online

the north face outlet

oakley sunglasses

uggs outlet

ugg boots

mont blanc pens

adidas yeezy boost 350

ugg boots

ray ban sunglasses

true religion jeans

ray ban sunglasses uk

burberry uk

montre rolex homme

ugg boots

tory burch outlet online

christian louboutin outlet

ralph lauren polo

michael kors outlet online sale

mcm handbags

coach outlet online

ray ban uk

ugg outlet

ferragamo outlet

rolex datejust 2

true religion jeans

jordan shoes

michael kors outlet

canada goose

ugg boots

polo ralph lauren

michael kors canada

armani sunglasses

mulberry bags

adidas stan smith

ralph lauren uk

ugg boots

adidas originals uk

michael kors outlet 75% off

michael kors outlet clearance

polo ralph lauren outlet

tory burch outlet

north face outlet

ralph lauren polo

ray ban sunglasses

burberry outlet

uggs outlet

cheap nba jerseys

new balance outlet

adidas shoes

louis vuitton outlet

coach outlet

ugg boots

michael kors tote handbags

christian louboutin uk

yeezy boost 350 v2

michael kors canada

nike outlet

michael kors uk

coach outlet

manolo blahnik shoes

mont blanc pens

ugg boots

fitflops outlet

christian louboutin uk

north face jackets

ugg outlet

michael kors online

fitflops sandals

north face outlet

cartier glasses

fitflops sale clearance

moncler outlet

coach factory outlet

north face clearance

oakley sunglasses wholesale

canada goose sale

michael kors handbags

burberry outlet

under armour outlet

ralph lauren outlet

nhl jerseys wholesale

christian louboutin outlet

birkenstock shoes

michael kors geldbörse

oakley sunglasses

ugg boots on sale 70% off

oakley sunglasses

adidas nmd r1

canada goose canada

fitflops sale

mk väska

ugg australia

oakley sunglasses

ugg boots clearance

ugg outlet online

polo ralph lauren

nike factory outlet

yeezy boost 350

nike trainers

tory burch outlet

canada goose sale

christian louboutin

coach outlet

michael kors outlet

ugg boots clearance

longchamp handbags

ugg on sale

hermes belt

versace sunglasses

ugg boots

michael kors outlet

ray ban sunglasses

north face outlet

christian louboutin shoes

kate spade outlet

polo ralph lauren

moncler uk

canada goose canada

ray ban sunglasses

ferragamo belts

red bottom heels

chaussures christian louboutin

wayne rooney jersey

fitflops uk

ugg australia

supreme clothing

ugg slippers

uggs outlet

christian louboutin shoes

louis vuitton handbags

true religion

pandora charms

uggs outlet

burberry outlet

adidas trainers uk

ugg boots

cheap nhl jerseys

pandora jewelry

north face jackets

carrera sunglasses

hermes birkin handbags

true religion jeans

ugg outlet

uggs clearance

north face outlet

michael kors online

ralph lauren outlet

ugg outlet store

ugg outlet online

supreme uk

d&g sunglasses

the north face outlet

oakley canada

hermes handbags

kate spade outlet

louis vuitton outlet

ugg boots

rolex submariner

polo shirts

true religion outlet

nfl jerseys wholesale

pandora charms

ugg boots

polo ralph lauren pas cher

coach outlet

uggs outlet

coach wallets

hermes outlet

prada handbags

mac cosmetics

oakley sunglasses

polo ralph lauren

ugg outlet

michael kors outlet

cheap jordans

nike huarache uk

ray ban sunglasses

ray ban wayfarer

michael kors handbags

coach outlet online

ralph lauren polo

coach bags

mulberry uk

rolex oyster perpetual datejust

jordan shoes

longchamp outlet store

moncler jacket

canada goose canada

prada outlet

uggs uk

ugg boots

pandora jewelry

salvatore ferragamo

adidas wings

michael kors outlet

columbia outlet store

ugg boots

cheap nfl jerseys

ralph lauren uk

louis vuitton outlet

hermes handbags

michael kors outlet clearance

coach factory outlet

converse shoes

oakley sunglasses

ray ban sunglasses

canada goose canada

louis vuitton outlet

polo shirts

polo ralph lauren outlet

pandora jewelry outlet

longchamp bags

oakley sunglasses

cheap jordans

coach outlet

michael kors outlet

nike blazer shoes

cheap jordan shoes

michael kors outlet

prada sunglasses

ugg boots

christian louboutin outlet

burberry outlet

polo ralph lauren

air jordan retro

superdry hoodies

oakley sunglasses

nike air max

christian louboutin shoes

cheap jordan shoes

fitflops

ugg outlet

canada goose outlet

oakley sunglasses

adidas trainers uk

ugg sale

cheap jordans

ugg boots

michael kors handbags

longchamp outlet online

coach outlet

nike air max

michael kors outlet

nike factory store

cheap snapbacks

nfl jerseys

uggs classic boots

cheap authentic nfl jerseys

coach outlet online

michael kors handbags

nike huarache

polo ralph lauren sale

uggs clearance

ugg boots

true religion jeans

coach canada

ugg boots

ray ban outlet

supreme outlet

cheap nfl jerseys

cheap nfl jerseys

the north face clearance

michael kors uk

cheap ugg boots

adidas stan smith

cheap oakley sunglasses

montblanc pens

north face jackets

ray ban sunglasses outlet

coach outlet online

adidas outlet

coach factory outlet

ugg sale

coach canada

oakley sunglasses

giuseppe zanotti

coach factory outlet

prada bags

true religion outlet

prada outlet

uggs outlet

coach factory outlet

ugg boots clearance

tory burch

true religion jeans

north face outlet

ugg boots

polo ralph lauren

ralph lauren outlet

ugg sale

oakley vault

polo outlet

louis vuitton outlet

kate spade handbags

canada goose clearance

ugg outlet

kate spade outlet

christian louboutin

coach outlet online

rolex submariner date

ugg outlet

burberry outlet

moncler outlet

fitflops shoes

nike outlet

ugg clearance

coach outlet

john terry jersey

uggs on sale

mlb jerseys

ferragamo shoes

michael kors outlet clearance

uggs

ugg outlet

nike roshe run

adidas outlet

fitflop outlet

tory burch outlet 70% off

prada outlet

cheap jordan shoes

superdry clothing

moncler jacket

adidas soccer shoes

ray ban zonnebril dames

uggs canada

the north face outlet

coach outlet

coach outlet

michael kors outlet

nfl jerseys

ray ban sunglasses

nike shoes

michael kors outlet

ugg outlet

fitflop shoes

air max uk

oakley sunglasses

yeezy boost 350 online

pandora rings

ugg slippers

yeezy 350 v2

ray ban wayfarer

coach outlet

ugg boots

ralph lauren outlet

louis vuitton outlet

red bottom shoes

cheap nfl jerseys

ugg outlet

yeezy boost 350 v2

uggs slippers

nike outlet store

ralph lauren polo shirts

michael kors handtaschen

coach outlet

ray ban online

coach outlet

coach factory online

ugg boots

coach outlet

ugg boots sale

jordan shoes

nike outlet

ray ban sunglasses

adidas yeezy

michael kors purses

cheap ugg boots

louis vuitton handbags

vans shoes

north face jackets

coach factory outlet

cheap mlb jerseys

ugg boots

air max uk

mlb jerseys

polo ralph lauren outlet

pandora jewelry

ralph lauren uk

ugg australia

tommy hilfiger canada

gafas de sol ray ban

nike outlet

swarovski jewelry

coach outlet online

coach factory outlet

michael kors handbags

cheap uggs

michael kors handbags

coach outlet online

mulberry uk

coach outlet

ray ban sunglasses

polo ralph lauren

cheap jordans

mbt outlet

ray ban canada

uggs australia

michael kors outlet

ray ban sunglasses

louis vuitton

michael kors handbags uk

adidas jeremy scott

burberry outlet

ugg uk

birkenstock sandals

cheap jordans

pandora jewelry

uggs outlet

michael kors handtaschen

adidas yeezy boost

coach purses

birkenstock outlet

coach outlet 70% off

ugg outlet

ugg boots on sale 70% off

cheap nfl jerseys

authentic nfl jerseys

michael kors handbags

moncler jackets

coach outlet

michael kors plånbok

coach outlet

ralph lauren t shirt

kate spade outlet store

true religion jeans

jordan 14

louis vuitton

ugg boots 70% off

polo ralph lauren outlet

nike running

kate spade outlet

adidas shoes

cheap oakley sunglasses

louis vuitton

20179.5chenjinyan
Posted by: chenjinyan  on  09/05/2017
Report This

Posted by: siteocean  on  04/30/2017
Report This

Posted by: siteocean  on  04/30/2017
Report This

Posted by: taisiz  on  03/30/2017
Report This

The content which you have added is pretty informative and I am glad that you have added great content here. It's really helpful for most of the people. Thanks for sharing Make chest broader and wider
Posted by: suryatejaaaa  on  03/12/2017
Report This

The best way to create a username and password. As you get connected to the router 192.168.1.2 or your computer network you will need to keep your username and password protected and don't permit other individuals see it.
Posted by: johnsandler  on  12/03/2016
Report This

TCS Ultimatix ... Find all the Information relating to this TCS Portal on tcs zimbra mail
Posted by: kakaang  on  11/01/2016
Report This

Every bod wants to live long but most of them have no planning and they don't know about their body condition. We have must have future planning. I asked my self the questions which you have mentioned. It is hard to answer by myself because I am running on wrong way. Anyway I found your website very useful and informative. I think that you have a professional essay writer who have written such kinds of valuable writing.
Posted by: Jacob  on  09/27/2016
Report This

Posted by: zapyaforpc  on  09/11/2016
Report This

This is really very good article. I am Very thank full the owner of this blog. Because of this blog is very imformative for me.... Thanks & Regards, Generic Viagra for Men
Posted by: jessica121turner  on  07/06/2016
Report This

This article is really a complete package about the aging. I think every one should read this article. It have full of useful information. Keep sharing such useful information. For any writing help refer http://american-writers.org/. This can provide the best service for the customers.
Posted by: annefmoreno  on  04/28/2016
Report This

I have tried many diet and weight loss programs, and exercise programs and they haven't really helped me in losing weight. wallpaperery.com
Posted by: ranjuio  on  11/13/2015
Report This


Login to post comment
in
Advanced Search