Thursday, November 20, 2014

Retire, before you tire?

During a chat at a marriage reception few hours back, a close friend of my wife was saying "who has time for health checkups. When the health protests, we will look into that". Though my wife put up a worried face as the friend was in her early fifties that demands regular attention, she did agree that it requires multiple visits to the hospital and consultation , which should really be challenging when you are still at work.

On a recent tour, there were occasions to climb some small hills with steep and irregular steps to reach out to some prominent places of visit. An accompanying friend said had it been some years earlier, he would have done it with ease and rued his decision to wait for his official chores to complete before turning this way!

My relative couple who were both in a mad man's working world until recently, eased out to focus on their only daughter's marriage and also performed it with all grandeur. The lady haunted by the daughter's separation after her marriage was wondering whether she should have quit her job early and spent more time with her daughter. It was pathetic to hear her lamenting "when she was here, we didn't have time and when we are free, she is not around"and the regret was palpable.

During our periodic meet, my friend who is in a very senior position in a flourishing industry said he was ready to hang the boot but was only wondering what to do with the time, as he felt that there is 'enough steam left in him to chug along' for a couple of more years !

Last of the above words seemed to suggest a solution to the dilemma of 'when to hang the boot' !

It is when you are 'still left with energy' to chug along.

When one is officially expected to work putting in his best foot forward and with full energy until the stipulated age, it is well known that care is taken to maintain these resources well for optimum usage  at least until that milestone.

By hanging the boots a couple of years early, one could not only use those officially available energy but also use that to recoup the lost energy to extend the fitness levels for some years ahead ! When you are in the zone of 'expected working of around ten hours a day', tasks such as long travel or climbing small hillocks should not be a big ask. The renewed energy could enable one to focus more on the forgotten priorities like more family time, planning for family events and travel round the country which would have so far remained only as desires. And more importantly to concentrate on your own health-  which so far is the most sacrificed item on one's agenda and is always a candidate for the place at the sacrificial altar for any other priorities. This is a serious neglect as one could pay with a fat purse and more nerves, should the tiring body choose to revolt at the sunset of your life, when you are planning to put your feet up and enjoy life.

As for post retiral activities, believe me there are any number and yours truly is reasonably qualified to dwell on the same. Given the demands of the prevailing challenges of industries, it is not unfair to expect any person to slow down at least, if not stop working, by his mid-50s. So, it is imperative to start the planning exercise around by forties and a very small monthly savings through your occupational years could see one through these rainy days of early retirement !

Before you choose to retire do remember to list down the things you have been wanting to do or get involved but could not as your work was felt to be the stumbling block. It could be more quality time with family, periodic family outings, places to visit, small treks, music, reading or exploring any other hidden talent in you that could be easily converted as hobby, in the later years.

One can afford and allowed to enjoy unplanned hours in the early days of retirement, but not for long. Plan your day, if not on the same rigorous lines of official days but on a reasonable measure, as an extended unplanned period could easily invite ennui to set in , which is not the purpose of early retirement. If one desires, it is within everyone's reach to wake up some of  the sleeping talents within you, that will be your companion towards the retired sector of your life circle.

The catch is planning, timing and enjoying, when you are still left with the steam and things are on your side ! Its more important to hang the gloves, before a gentle reminder is given, so that you could enjoy an unrestricted field before you, to kick around .

 " There are many breeds of dog that just needs to be working, and useful or have a job of some kind, in order to be happy. Otherwise, they are neurotically barking, scratching or tearing up the sofa".

Its no wonder , everyone's wish is not to end up with a dog's life !!

Friday, November 7, 2014

Fraud out of Greed !

Today's THE HINDU has reported an incident as 'Vishing' wherein a woman has been defrauded by promising to send an expensive gift, as her phone number was selected in a lucky draw.  After she  sent   Rs 2000/- as courier charges, the 'gift'  received contained  not an iPhone but just few hundred rupees worth of cheap cosmetic items. The cyber crime police investigating this has said  ' there are many such complaints 
 received with similar modus operandi'  !

This is an age old trick and despite the communication and media channels available, its a pity that people are still falling for it.

Though it certainly falls under the category of a fraud, can we do anything to refrain from becoming a 'Victim'? The answer is certainly a big 'Yes'.

Has one not heard about the Nigerian and other scams promising jobs and luring the potential victims to send only the postal charges?

Realistically, can you think of any organisation awarding you with a very expensive gift, for nothing? 

If the org was going to give such an expensive gift, won't they also bear the accompanying courier charges? 

There are many such instances of Emails, short messages and phone calls luring people to part with their personal details such as address, phone numbers and IDs, only to make money out of them rather than parting with any gift. 

In my opinion, such frauds are happening only with the involuntary connivance of the victim! Yes, though the victim has not directly contributed, his/her greed has made the victim also an accomplice.

Let us remember that all those blinking advertisements in the websites you visit, 'click here for a pot of gold' like messages are all meant to lure the gullible.

Understand that not only the innocents are targeted but also the tech-savvy, who in a momentary lapse of mind and act of foolery or more out of persistent annoyance of emails or advertisement, could press that fatal link. 

I am reminded of a huge hoarding outside an erstwhile finance company in Royapettah (Chennai) which proclaimed " Nothing in this world is for free;  the worm at the end of the rod is, after all, a bait and not food for the fish" !!

That the said company also went bust with depositors' money is of course a different story !!