3 Top Tips to Plan for a Comfortable and Fulfilling Retirement

It doesn’t matter what age you are, at some stage you’re going to need to start thinking about how your life’s going to look when it comes time for you to retire from work – and the years beyond. Everyone’s circumstances are different, but whether you plan on living a life of luxury, or are content to just live modestly in your later years, it will pay to have at least some kind of a plan in place.
Here are three things you should consider.

Pay Attention to your Biggest Asset

No, it’s not your car and not even your house; your most important and valuable asset is your health. No amount of money or material wealth can compensate for bad health, and if you don’t take care of your body it won’t serve you well in your retirement. You should be making a lifelong commitment to your health, whatever your age, because neglecting it will cost you dearly – not only in medical expenses, but also the physical lifestyle you’ll be able to maintain. Join that gym, take that walk, make healthy eating choices and ensure you have regular dental and medical check-ups – in a nutshell, just respect your body for the wonderful machine it is and never take your good health for granted. Put simply your health is your wealth!

Get your Pension Plans in Order

While words like pension drawdown, annuity and tax certainly don’t roll off the tongue with the greatest of pleasure, making financial plans for how you’re going to survive when you come to the end of your working life is vital. Don’t be tempted to put organising and managing your pension plans in the ‘too hard basket’, and even if you think you might have left things too late, take heart in the fact that it’s never too late to improve on what you’ve got. The best advice is to engage a good independent financial advisor who’ll be able to advise you on the best wealth growing and pension set up for your individual situation. They may suggest things like a pension drawdown or an annuity to give you an income, they’ll be able to ensure you remain compliant in terms of your tax, and they’ll give you expert, tailored advice in order to give you the best possible life after you leave the workforce. Remember, just because you’ve never heard of a pension drawdown so far, it doesn’t mean it can’t be in your future!

Think About Life Outside Work

In the hustle and bustle of our busy lives it’s all too easy to get bogged down in stress as we focus on work, work, work. Of course, in most cases it’s absolutely necessary to put in the hard yards in order to earn the big bucks so you can actually plan for that comfortable retirement, but it’s just as important to remember what really matters in life. If you make a commitment to maintain a sensible and fulfilling life/work balance, everyone (not just you) will reap the benefits. Factor in quality time with your family, get out into nature as much as you can, and give back to your community on whatever scale you feel comfortable with – whether it’s volunteering or financial support.

Live a Balanced Life

When most people think of retirement planning, they think of the financial aspects, however it’s also extremely important to consider your physical, emotional and spiritual needs once you leave the workforce. It’s all about the balance…

Author Plate

Claire Novakovic is the go-to expert for those who need advice on pension drawdown and other related issues. As a Chartered Financial Advisor, she also holds the relevant FCA permissions to conduct pension transfer business including defined benefit schemes. Accudo Investments offers comprehensive independent financial advice tailored to each individual’s needs, using effective portfolio management and tax strategies to meet the needs identified.

The Importance of Early Childhood Education

The best predictor of a good ending is a good beginning. The old adage is a true today as when it was first uttered so long ago that no one can clearly say who first spoke those words. When it comes to the education of young children this proverb has such tremendous relevance that it is hard to overstate its importance. All learning and life experience is moulded by what happens to the child in the early years of his or her life. The influence of the family is of major importance but the influence of the educational opportunities offered to young children is just as powerful and, in some ways, more powerful. For it is the impact of early childhood education that determines the attitude a child will take to formal schooling at primary or secondary level.The world today is a troubled place. We seem to be getting better at hating one another. We seem less and less able to accept people who are different from us. In a world riddled with violence, crime, bullying, chaos and unpredictability we have to ask some important questions. Why is it that some childrenDo not become violent?Do not become bullies?Do not become depressed?Do not loath themselves and others?Do not despair and give up on life?These may not be the most profound questions being posed in today’s world but they are among the most important. Where can we turn to discern the answers to these questions? What do we know that can help us unpack the issues embedded in them and come to a vision of how to raise and educate young children?The answers to these and other questions about children are emerging from new research about how the human brain grows and develops. Although we are a long way off knowing exactly who we can prevent violence and depression we have learned a good deal about how to foster the brain’s potential as an organ to help children grow to become contributing and productive members of society. Before we explore some of the implications from this research we need to briefly review the five areas of development that all children pass through during childhood.Understanding Child DevelopmentThere are five areas of development that children undergo as they grow to be young adults. These steps appear in a rather predictable sequence, one after the other. They are not like steps of a ladder leading to higher and higher levels. Rather, they are like a spiral of stages through which a child cycles endlessly as they grow and mature. At some point the highest level of attainment may not be reached in a given area but that does not mean the child cannot progress to other areas of the spiral.The five areas of child development are:oPhysical
oIntellectual
oLinguistic
oEmotional
oSocial
They can be easily remembered by the use of the rather unfortunate acronym “PILES”.Physical DevelopmentThis area of child development is no doubt the easiest to understand and observe. Physical development includes: gross motor skills, fine motor skills, motor control, motor coordination and kinaesthetic feedback. Let’s explain each of these briefly.oGross motor skills are those movements of the large muscles of the legs, trunk and arms.oFine motor skills are the movements of the small muscles of the fingers and hands.oMotor control is the ability to move these large and small muscles.
oMotor coordination is the ability to move these muscles in a smooth and fluid pattern of motion.
oKinaesthetic feedback is the body’s ability to receive input to the muscles from the external environment so the person knows where his body is positioned in space.Intellectual DevelopmentThis area relates to the level of intelligence of a child in general and to the various aspects of intelligence that influence overall level of general ability. Among these many aspects are:oVerbal skills-our ability to communicate with words our ideas, attitudes, beliefs, thoughts and emotions.
oNon-verbal skills-our ability to use visual and spatial-perceptual skills to interpret the world around us.
oAttention span-the ability to sustain a focus on a stimulus for a sufficient period of time to interpret it and understand it.
oConcentration-our ability to utilise attention to juggle stimuli into various permutations as necessary to analyse it accurately.
oVisual-motor skills-the ability to coordinate the movements of the eyes and hands to manipulate objects effectively.
oVisual-perceptual skills-the ability to analyse stimuli visually without necessarily manipulating them manually.
oMemory-can be auditory or visual (or even kinaesthetic as in the case of remember dance steps) and can be divided into some important sub-types:
- Immediate recall-ability to hold input long enough to recall it straight away if required to do so
- Short-term memory-ability to hold input over a longer period of time, perhaps minutes or hours
- Long-term memory-ability to store input and recall is well after it has been perceived, perhaps days or months, even years laterLinguistic DevelopmentLinguistic development refers to language usage. Like other areas of child development it can be divided into sub-types.oReceptive language-our ability to understand spoken language when we hear it
oExpressive language-our ability to use spoken language to communicate to others
oPragmatic language-the ability to understand humour, irony, sarcasm and know how to respond appropriate to what another has said or asked as well as know when to wait and listen
oSelf-talk-the ability to use internal, silent language to think through problems, cope with difficulties and postpone impulses
oReasoning-the ability to think through problems, usually with self-talk but at other times aloud, create plans of action using words
oCreative thinking-although not strictly a linguistic function I include it here because many people use language creatively, in new and inventive ways (e.g. Joyce, Beckett)Emotional DevelopmentThis aspect of development, along with social development, is probably one of the most underrated but yet most important aspects of learning how to live in the world. No matter how excellent intellectual, physical and linguistic development may be we are doomed to live lives of frustration and difficult if we have not gained satisfactory emotional development. It includes:oFrustration tolerance-the ability to cope effectively when things do not go the way we want or expect
oImpulse control-the ability to think before we act and not do everything that comes into our head
oAnger management-ability to resolve conflict without recourse to verbal or physical violence
oInter-personal intelligence-understanding the attitudes, beliefs and motivations of others
oIntra-personal intelligence-understand our own attitudes, beliefs and motivationsSocial DevelopmentoSharing-knowing how to ask to use the materials that belong to another
oTurn-taking-knowing when it is your turn to do something and when to ask if you can do it
oCooperation-the skills of working with others towards a group goal of task
oCollaboration-the ability to communication your input in a meaningful way when working with others.
Again it is necessary to repeat that emotional and social development play a hugely important role in our ability to live lives of dignity and respect. They also largely determine how well we will get along with workmates, bosses and loved ones including life-partners.When we recognise that all children pass through each area of development we design educational programme for them that are developmentally appropriate. Most pre-schools have done just that. Unfortunately many early years settings succumb to pressure and push children towards academic goals and objectives, sometimes almost obsessively. Indeed, the curriculum in our junior and senior infant classes is largely developmentally inappropriate. It is far too teacher and parent-centred and far too little child-centred. Regardless, appropriate or inappropriate, it is not enough to focus on child development alone in our work with young children. We must begin to recognise the inborn potential locked within the child’s brain.The Human BrainLocked inside the brain are the potentialities that make us human. We are born with the potential for:oLove Hate
oPatience Mistrust
oTenderness Violence
oHope Despair
oTrust Suspicion
oDignity Corruption
oRespect Revenge
It is the responsibilities of adults to unlock the positive potentialities of the brain and prevent the negative from appearing.All educational experiences of children in the early years, indeed all educational experiences of children across the entire school years, must place an emphasis on releasing the positive potential that lies within the brain. Recent brain research, much of it conducted by Dr. Bruce Perry in Texas, has illuminated six core strengths, each of them related to brain growth and development that must be a focus in development appropriate educational programmes for young children.The Six Core StrengthsBruce Perry and his colleagues at the Child Trauma Academy in Texas have identified six strengths that are related to the predictable sequence of brain growth and development. These six strengths, if nurtured and fostered appropriately, will help a child grow to become a productive member of society. They are:oAttachment
oSelf-regulation
oAffiliation
oAttunement
oTolerance
oRespect
AttachmentThe first of the six core strengths occurs in infancy. It is the loving bond between the infant and the primary caregiver. Early attachment theorists’ conceiver of the primary caregiver as the mother but it is now recognised that it could as well be the father, grandparent or any loving person. The primary giver, when providing consistent and predictable nurturing to the infant creates what is known as a “secure” attachment. This is accomplished in that rhythmic dance between infant and caregiver; the loving cuddles, hugs, smiles and noises that pass between caregiver and infant. Should this dance be out of step, unpredictable, highly inconsistent or chaotic an “insecure” attachment is formed. When attachments are secure the infant learns that it is lovable and loved, that adults will provide nurture and care and that the world is a safe place. When attachment is insecure the infant learns the opposite.As the child grows from a base of secure attachment he or she becomes ready to love and be a friend. A secure attachment creates the capacity to form and maintain healthy emotional bonds with another. Attachment is the template through which we view the world and people in it.Self-RegulationSelf-regulation is the capacity to think before you act. Little children are not good at this, they learn this skill as they grow if they are guided by caring adults who show them how to stop and think. Self-regulation is the ability to take note of our primary urges such as hunger, elimination, comfort and control them. In other words, it is the ability to postpone gratification and wait for it to arrive. Good self-regulation prevents anger outbursts and temper tantrums and helps us cope with frustration and tolerate stress. It is a life skill that must be learned and, like all the core strengths, its roots are in the neuronal connections deep inside the brain.AffiliationAffiliation is the glue of healthy human relationships. When children are educated in an environment and facilitates positive peer interactions through play and creative group learning projects they develop the strength of affiliation. It is the ability to “join in” and work with others to create something stronger and more lasting than is usually created by one person alone. Affiliation makes it possible to produce something stronger and more creative than is accomplished by one alone. Affiliation brings into the child’s awareness that he or she is not an “I” alone but a “We” together.AttunementAttunement is the strength of seeing beyond ourselves. It is the ability to recognise the strengths, needs, values and interests of others. Attunement begins rather simply in childhood. A child first recognises that I am a girl, he is a boy. Through the early years of education it becomes more nuanced: he is from India and likes different food than I, she is from Kenya and speak with a different accent than I. Attunement helps children see similiarities rather than differences because as the child progresses from seeing different colour skin and different ways of speaking he or she begins to recognise that people are more similar than different. That brings us to the next core strength.ToleranceWhen the child develops the core strength of attunement it learns that difference isn’t really all that important. The child learns that difference is easily tolerated. Through this learning the child develops the awareness that is difference that unites all human beings. Tolerance depends on attunement and requires patience and an opportunity to live and learn with people who at first glance seem “different”. We must overcome the fear of difference to become tolerant.RespectThe last core strength is respect. Respect is a life-long developmental process. Respect extends from respect of self to respect of others. It is the last core strength to develop, requires a proper environment and an opportunity to meet a variety of people. Genuine respect celebrates diversity and seeks it out. Children who respect other children, who have developed this core strength, do not shy away from people who seem different. An environment in which many children are grouped together to learn, explore and play will foster the core strength of respect.How the Brain GrowsThe brain grows from the bottom to the top. Each of the core strengths is related to a stage and site of brain growth. In infancy attachment bonds are acquired and lay down emotional signals deep within the brain. At the same time the brain stem is seeing to it that bodily functions can be self-regulated. Later on in childhood the emotional centres of the brain come under increasing control so temper tantrums disappear and the child controls their emotional life. In mid-childhood the child’s brain begins to develop the capacity to think and reflect on the external environment. It is at this stage when the frontal areas of the brain begin to mature and it is at this stage in brain growth when the core strengths of affiliation, attunement, tolerance and respect can mature as well.The Classroom and the Brain’s Core StrengthsThe education of young children must be undertaken with the core strengths in mind. Classrooms where there is peace and harmony among a wide variety of children will create opportunities for affiliation, tolerance and respect to develop. These classroom must be characterised by play, creative exploration of objects, lessons which are activity-based not teacher-lectured. There must be challenge to the brain in the form of innovative lessons and teaching methodologies. Cooperative learning activities must be part of the school day. The classroom should occasionally consist of an opportunity to engage in cooperative, mixed-ability groupwork. There must be an opportunity for long-term, thematic projects to be explored. The teacher should be a guide, always teaching with the core strengths in mind, always observing children and noticing which of them need more structure and guidance as they grow through the core strengths. The teacher must also be a person the children perceive as predictable and caring, patient and kind; a person who will not obsessively focus on mistakes.Whose Responsibility is It?We have learned that the child’s brain grows in a predictable sequence and associated with this growth are six core strengths for healthy living in the world. Every child is born with a brain possessing the potential to full develop these core strengths. However every brain must have an opportunity to interact with a classroom and home environment that facilitates the development of these strengths. It is the responsibility of adults, particularly parents and teachers to get it right.

Special Training For Brain Development Of Kids

Many researchers have proven the fact that functioning of brain cells of infants is twice active as adult’s brain. Neurons are the brain cells that connect together and power of neuron have the potential of a PC. Connectivity of neurons decides the smartness or intelligence of individuals. In human, brain development and the learning ability of an individual is 50% in the first four years of age. The nerves of individuals are reduced as they grow up and this is why the 1000 trillion nerves present in an 8 months baby are reduced to 500 trillion as it grows up. A child that has given more opportunities to explore will be much smart.

A majority of children, more than 90% of them use their left brain, but the imperative fact to remember is the right brain must also be utilized. Education system present in almost all the schools is designed to develop or use the left brain. Right brain is never the less significant because it is responsible for creativity, arts, feeling, imagination, visualizing, daydreaming, rhythm, holistic thinking and many others. Hence it is equally important to develop both side of brain. It is also most important to take steps to keep both the brain much active, by keeping them to perform analytically on an equal basis. It is the responsibility of parents to give activities to their children that ensures the involvement of both brain. If both brain used by children it is probable to enhance their learning power and they can also increase their brain power. If brain development programs are offered to children they can make most of the program and develop their skills to give work to both side of brain and remains high in intelligence level. Development of brain in human beings is based on the degree of how much it is used. If it is left unused there are more probabilities for individuals to lose as brain works on the basis of use it or lose it.

To ensure the progressive brain development in children, it is the role of parents to introduce their children with a reputable brain development program. Most of the experts suggest step by step educational program to the children which is systemic and efficient. Nowadays it is very simple to find out a lot of schools which not only gives importance to academic program, but they also boost the creativity of children through their extracurricular activities. It is probable to search internet and get hold of relevant schools that present with a variety of activities to stimulate the brain and encourage the development of children. A total development program to stimulate mental activity of children is also found out in the online sites and parents can try out these activities with their children while they are at home. Getting education from a school that implements total development program is much beneficial. Search for such schools and secure admission to enhance the future of the children and boosts in brain development.