Living The Dream - March 2021

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Times, Tuesday, March 30, 2021 — 9

Living the dream

— RETIREMENT

Mental health in retirement:

What you can do to stay healthy and happy Retirement can be exciting – coming to the end of your working career with a calendar now open for relaxation and enjoyment is a time many people look forward to during younger years.

But the prospect of retirement can also be daunting.

Some new retirees worry that their days will have less purpose now that they’re not at work, that they’ll be bored, or that they’ll miss the social connection they had with their co-workers or clients.

These concerns are just as legitimate as the excitement of winding up work.

Below are some pointers for maintaining mental wellness during retirement

and information on why it’s important to proactively look after yourself during this time.

1. Focus on your physical health: During retirement, you might find you have more time on your hands to really take care of your body.

This is good news, because your physical health and your mental wellbeing are connected.

Exercising, eating a balanced diet, getting enough sleep and even drinking enough water can all affect our mood and energy levels.

Probians are showing retirees how to look after their mental health.

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Ph. 09 969 0126

➤ Turn to page 11

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Our specialist legal teams will work alongside you on a wide range of legal services. Our goal is always to create a comprehensive state of affairs for both your personal and business endeavours.

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10 — Times, Tuesday, March 30, 2021

Our pioneering approach to retirement living includes our Peace of Mind Guarantees designed to give our residents greater confidence to live the way they want. They provide freedom and flexibility that lets you choose when, where, and how you want to live your life.

DEFERRED MANAGEMENT FEE CAPPED AT 20%

The deferred management fee (DMF) is your contribution to the refurbishment of the village. It is charged on an ‘enjoy now, pay later’ basis, and is deducted when your occupancy advance is repaid, which is the amount you’ve paid to occupy the unit. Your DMF will be no more than 20 percent – one of the lowest in the retirement sector. %DMF

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For full details on our Peace of Mind Guarantees or our Bruce McLaren Village call 09 535 0225, 795 Chapel Road, Howick

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Times, Tuesday, March 30, 2021 — 11

Living the dream

— RETIREMENT

What you can do to stay healthy and happy ➤ From page 9

Has it been a while since you tried a new sport or type of physical activity?

How often do you attempt a new recipe?

Just because you’re getting on in decades, doesn’t mean you can’t try new things.

Joining Probus can give you access to new friends and ideas, people who enjoy the same things you do.

2. Explore what gives you purpose: Having purpose is really important for mental wellbeing. It gives you a reason to get up in the morning and makes your days feel meaningful.

There are a lot of ways to feel you have purpose – just because you’re not going to your day job any more doesn’t mean you can’t have purpose in your life.

You feel like you have purpose when you do what’s

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Developing healthy relationships with others can lower levels of anxiety and depression and raise selfesteem.

When you retire from work, you might feel like you’ve lost a lot of connection all at once.

Finding ways to connect with others beyond work can be an important way to promote your mental wellbeing.

Explore what gives you purpose.

called ‘purposeful activities’.

Purposeful activities help you feel like you’re contributing something to the world, whether that contribution is just for you, for your family, friends, community or the broader population.

What counts as a purposeful activity will be different for everyone.

Finding your purpose can be fun!

If you’re not sure what gives you purpose now that you’re not at work, try some

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different things to see how they make you feel.

If you’re a member of a social group like Probus, you’ll find the new ideas and activities within your Club may inspire you to really find a new purpose and enjoy life.

3. Connect with the outside world: Connection with others, be they your family and friends, a Probus Club, with pets, or with nature, is a vital part of the human experience.

4. Consider your sense of safety: Feeling safe, stable and secure is really important for your mental wellbeing.

This can include feeling safe at home and in your neighbourhood, feeling financially secure and feeling supported within your close relationships and your community.

When you feel safe, you can relax better and feel free to live your life as you want.

Talk to other retirees about what they’ve done to make their lives safe and secure.

5. Seek support: Mental health conditions like anxiety or depression can affect anyone at any time.

It’s important to know that these conditions are health conditions, like catching a cold, not a weakness or character flaw.

The good news is they can be managed and treated by health professionals.

If you’ve been feeling sad, worried, stressed, angry, numb or just ‘not yourself’ for two weeks or more, or if you would like extra support managing your mental wellbeing, speak to your GP about how you’re feeling.

Sometimes, just telling someone about how you’re feeling is the first step towards feeling better. ➤ You can find out more about Probus by calling 0800 1477 6287. ➤ Visit www. probussouthpacific.org to find out where your nearest Probus Club is.

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We encourage you to be part of the community and offer quality lifestyle with time for yourself, family and friends.

For more information call Kate on (09) 576 5990 info@realliving.co.nz www.realliving.co.nz Fortunes Road, Pakuranga Pakuranga Park Village is part of the

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12 — Times, Tuesday, March 30, 2021

Living the dream

— RETIREMENT

Three ways to enjoy retirement W

hile some people look forward to retirement, others may be worried about how to fill their days once they stop working. If you share these concerns, here are three enjoyable ways to spend your time and find fulfillment once you retire.

1. Volunteer

are often looking for people to lend a hand. Even if you only volunteer a few hours each week, it’s an opportunity to give back to your community and meet new people.

If you have an abundance of free time, consider donating some of it to a cause that’s close to your heart.

Non-profit organizations, libraries, religious groups, schools and more

2. Study If you spent most of your ca­reer developing know­ledge and skills in a particular field, your retirement is a great op­por­tunity to explore new passions and rediscover old interests. Take language, history or literature classes at a local university, or sign up for a more hands-on workshop about horticulture, winemaking or photography.

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3. Create Do you have a knack for building furniture, knitting mittens, painting landscapes or baking bread?

Whatever your talents are, you’ll have plenty of time after retirement to refine your skills. Plus, you can choose to sell your creations, gift them to loved ones or donate them to a charity to be sold at a fundraiser.

If you’re still not sure what you’d like to do once you retire, consider speaking with a life coach. He or she will be able to help you pinpoint your priorities and map out new goals.

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Living the dream

Times, Tuesday, March 30, 2021 — 13

— RETIREMENT

New financial advice rules will put consumers first C

onsumers seeking financial advice can be assured that their interests will be put first under a new financial advice regulatory regime that comes into effect this month, Commerce and Consumer Affairs Minister David Clark said.

“We know many New Zealanders have been doing it tough financially due to Covid-19. For example, a Commission for Financial Capability survey during the nationwide Level 4 lockdown found that 66 per cent of New Zealanders were financially exposed or in difficulty. This means it’s more important than ever that Kiwis are getting financial advice that puts their interests first.

“Financial advice plays an important role in helping

New Zealanders achieve significant milestones in their life, such as saving for a first home or planning for retirement. And we know that those who get financial advice achieve better financial outcomes.

Clark said the new regime will give consumers greater confidence to seek advice that will help with their financial goals, providing them with greater trust in the quality of that advice.

A key requirement of the scheme is that now all advisers must adhere to a new Code of Professional Conduct, which sets standards of competence and professional conduct.

Advisers will also be required to operate under a licence granted by the Financial Markets Authority.

Financial advice plays an important role in helping New Zealanders achieve significant milestones in their life, such as saving for a first home or planning for retirement.

The changes will increase transparency by requiring financial advisers to disclose any conflicts of interest, commissions they are paid and limits on the companies or products they advise on.

The same basic protections for consumers will apply regardless of how they choose to access financial advice – whether that be

in person or online. Clark said this is part of the Government’s wider work to strengthen consumer confidence in the financial services sector. This includes changes to the broader conduct of financial institutions, which will complement the new financial advice regime.

“The changes to financial

4 New financial advice rules come into effect this month 4 All financial advisors will require a licence and sign up to a Code of Professional Conduct 4 Advice given online (e.g. robo-advice) is subject to the same rules as advice delivered in person conduct will work alongside the improvements to financial advice to ensure consumers can have confidence in the financial services sector,” he said. “Introducing a new financial advice regime has been a major undertaking. I want to thank the financial advice sector for their continued input into the development of an improved regime that will better serve the interests of people seeking financial advice, helping them navigate difficult financial decisions and plan for their future.”

The new financial advice regime came into effect on March 15 under the Financial Services Legislation Amendment Act. More information is available on the Financial Markets Authority website.

HOW MUCH DO OUR APARTMENT RESIDENTS LOVE LIVING HERE? Well, 95% wish they’d made the move earlier.

HBH’s apartments offer the best of both worlds: the freedom of independent living, with help on hand if you need it. Our 42 modern apartments are ideally located in the heart of Howick in a small, friendly, caring community with shops, facilities and activities nearby. So why not make the move? Like our other residents, you may just love it.

To request a brochure or make an appointment email us at enquiries@hbh.org.nz or call 09 538 0800. www.hbh.org.nz

A service of Howick Baptist Healthcare Ltd HBH Senior Living is an Eden Alternative Registered Home.

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A member of the Retirement Village Association of NZ