It’s time to talk about the subject-that-must-not-be-named. Yes, death. While 100 percent of us will make this crossing at some point, it remains the greatest conversational taboo…
Continue readingRetired – Or Retooled?
Today’s retirees can retire and retool, in any number of ways. If they haven’t yet done so, it’s helpful for those approaching or in retirement to take a long look at how they might use their skills and experience for others’ benefit — or to enhance their own later years.
Continue readingMarketing Psychology: Brand Aid for Brand Y-O-U
With the explosion of the Internet and, more recently, social media, being branded is no longer the purview of cattle. In fact, if you don’t clearly define your brand, you might resemble another farm animal: sheep.
Continue readingWe’ve Gone Mobile!
Reverse Focus has just updated a FREE mobile phone app that will keep you connected with the reverse mortgage industry wherever you go!
*NOTE: You must view this post in a mobile device (phone) to install web-app*
Here’s what you get with Reverse Focus Mobile:
- Recent Stories: Articles, Blog posts and updates
- Videos: Industry Leader Update & Friday’s Food for Thought
- Podcasts: Play the latest episodes on your phone
- E-Learning: A look at Reverse Basics
- Facebook: A feed of our recent Facebook posts
- Contact Us: Reach us by phone or email or visit our site
- Top 100 Lenders Reports: Download and view monthly reports.
Becoming the Older Generation / Part 3: Getting Retirement Right
Rightsizing for retirement means getting finances in order, along with possessions and perspective for the next phase of life. A reverse mortgage may offer a way to meet these goals, by augmenting style and substance with a sense of security.
Continue readingBecoming the Older Generation / Part 2: Caring for the Caregivers
“Three out of five caregivers also are in the labor force. Working-age people under age 65 provide 22 billion of those 30 billion caregiving hours, and they often lose income due to reduced work hours,” reports the study. Not to mention losing sleep, quality of life and relationships, and often their own health.
Continue readingBecoming the Older Generation / Part 1: Who’s That In the Mirror?
“You don’t stop laughing because you grow old. You grow old because you stop laughing.”
 ~ Michael Pritchard
Once our parents die, we’re the elders. It’s a sobering thought for mid-lifers who are energetic, enthusiastic, and don’t remotely feel as if they are approaching “old age”. Many reverse mortgage professionals, as well as the clients they serve, are or soon will be facing this gateway.
How to prepare for a life stage transition when you’re 25 inside is the rub. (Years ago, on his 75th birthday, my Dad exclaimed, “I look at the number and I can’t believe it. There’s a little boy in there!”)
Maybe aging really is all in the mind. An intriguing article in The New York Times Magazine describes how, in 1981, a Harvard psychologist took eight men in their 70s back to 1959. She didn’t have a time machine, so she created a time warp by bringing her volunteers to a house that had been retrofitted in every way to resemble 1959, from the books on the shelves to Ed Sullivan on the black-and-white TV.
Before arriving, the men were assessed on various biomarkers such as hearing, vision, memory and cognition, dexterity, grip strength and flexibility. The psychologist postulated that after a week’s immersion 22 years in the past, the men would improve in many of these metrics — and she was right.
After imagining themselves two decades younger in everything they said, thought and did during the experiment, when the subjects were retested they showed greater manual dexterity, more flexibility — and improved eyesight. Independent judges said the men looked younger. Best of all, echoing the ethos of the seniors in the movie Cocoon (produced four years after this experiment — which was not published), a spontaneous touch-football game erupted among the test subjects as they waited for the bus to take them home. While the Cocoon seniors supposedly gained their rejuvenative capacities via a life-force charged swimming pool, the Harvard experiment seems to suggest they might have achieved the same effect simply by believing they were young again.
Since most of us are going to live a lot longer than we think, it behooves us to make our later years as positive and energized as possible.
The residents of Ikaria, a remote Greek Island for whom the mythical Icarus is named, are among the longest-lived people on Earth. Yet there’s no great mystery to their longevity: they have strong community ties, eat a healthy Mediterranean diet, eschew processed foods, and are insulated from most modern conveniences. They also get plenty of exercise every day doing the kinds of chores most Americans wouldn’t dream of (such as milking goats). They take naps, and enjoy a relaxed, relatively stress-free lifestyle.
Short of moving to the Greek islands, we can emulate their vital aging secrets by refusing to complain and living each life stage with grace and joie de vivre.
What can reverse mortgage professionals do to support clients and prospects in fostering this kind of attitude, especially among those seniors who may need their spirits lifted? One longtime loan originator who sees his role as broader than just business says, “When a client perceives you as being open and honest, with their best interest at heart, it paves the way for acceptance of what you have to say and offer. It also opens doors to more friendships.”
Consider, too, that service serves the one reaching out as much as the one who is helped. To last month’s post about some very elderly people who are working at dream jobs, add this 99-year-old seamstress who sews dresses for impoverished African children, turning out a dress a day! Until the media discovered her she did this work anonymously, out of the simple desire to use her exceptional sewing skills to benefit the less fortunate. Is it a coincidence that she’s supple enough to sew a dress a day at age 99?
This live painting portrayal of a woman’s life demonstrates in four minutes how beautiful a person really is — at every age and life stage.
Social Impact Bonds and Aging in Place
A viable social impact bond for aging in place needs the right metrics and benchmarks, such as doctor visits and a quality of life index, in order to gauge its success. As six people a minute turn 60, it’s an idea whose time is now. We’re ripe for a new story about how to age at home more effectively.
Continue readingNo More Nest Egg! Now What?
What happens when you’ve saved and planned for retirement — and then the rug beneath your feet morphs into a magic carpet of debt and disintegrates?
Continue readingAge Is a State of Grace, Part 2: Dream Jobs for Elders
Do any of your reverse mortgage clients or prospects still work, not necessarily because they need the money but to continue to contribute their skills and wisdom to the world? If some of your senior contacts are experiencing low spirits, perhaps a part-time dream job could be the cure.
Continue reading