Ageism, Baby Boomers and How to Pay For the Pension


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I was listening to the news on Alexa this morning and they were saying that in Japan (as in many countries) there are a growing number of Baby Boomers on the pension and people are worried about there being enough tax payers to afford to pay them.

I have an easy solution. There are a huge number of people over the age of 50 who want to work, but they find it very difficult to be considered over younger people. If they were working

  1. They wouldn’t need to be receiving a pension; and
  2. They would be paying tax which would help pay pensions for others who are unable to or don’t want to work.

The irony to me is that businesses are missing out on a wealth of experience and capability such that they can contribute significantly to the profitability of employers.

Let’s face it, people are fit and healthier longer than before and most of the over 50’s I talk to, want to travel and enjoy a lifestyle that they could not afford on a pension.

Some people might have concerns about employing people significantly older than themselves. However, if you want the best for your business or business unit, would you rather employ people requiring a lot of training, who may not have a good understanding of how business works, or people with years of experience who are prepared to be led by younger employers?

There is an irony in this situation of course because the people who don’t want to pay taxes for pensions were mostly raised by the people who need them, many of whom have paid taxes for 40 years or more, underwriting the cost to create welfare states and all the amenities we all enjoy. The younger ones may not relate to middle age, I remember, it seems like it will never happen to us, right?

Whether it is equal jobs for women, older people or people with disabilities, shouldn’t the only factor be best fit and capability to do the job well?

How is it that companies will employ women because they are poorly represented in a company but ignore older people? Personally I appreciate a workplace that reflects the community, but I also prize the benefit that comes from years of experience.

Just as a closing thought. With some notable exceptions, we prefer to elect country leaders who are over 50, because of their experience. If that’s the case, why ignore them for your business?

 

Affiliate Marketing That Works While I Wait For my Back Surgery


If you know me, you will know that for the last year, I have been off work with a back injury and I am waiting for back surgery after having tried everything else. ACC isn’t keen to pay for it and I am now waiting for a Review with them and also for an appointment with an Orthopedic Specialist at North Shore Hospital.

I was referred there on 9 April as Urgent and when I rang last week, they said I would be seen within another month or two and confirmed that they do of course have cancellations. I pointed out that I am close by and ready to come at a moments notice, having been off work for over a year now. You can check out the Back Story on my Back here.

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I have to sit on a cushion with a wheat bag behind my back

So what have I been doing this last year? Stretching,

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Hanging upside down is great and then gravity comes back

exercising, doing aqua aerobics, hanging upside down, going to specialists, having scans, steroid injections, floats, walking, sitting, stretching, working 6 hours a week and waiting for someone to approve the surgery that was recommended by my specialist.

Now if you know me, you know I am not one to sit down. I look for opportunities to keep busy.

All this time off made me think about retirement. No I don’t want to retire for many years yet. I’m anxious to get back to work full time which I should be able to do, 6-8 weeks post surgery. But when I do retire, I sure don’t want to rely on the pension to give me lifestyle.

I decided that Affiliate Marketing was the way to go. I tried several options as I will outline below, and I have come to the conclusion after some expensive trials with other vehicles, that Wealthy Affiliate is the way to go. It is simple, the education is awesome, and I am well on the way to building something that will provide me with an income in the future when I need it. More on that below. But if you want a shortcut to check out why I chose this without reading on. Click here.

Amway stageI’ve often thought about being able to have a passive income that would provide for my future and I’ve tried various things. Long ago my wife and I were Amway members and we developed a large downline. We even got to the famed 21% but it was incredibly hard work and we could see it really wasn’t for us, especially in New Zealand where there were not that many products and whilst the training and atmosphere was awesome, the income wasn’t.

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I wrote another book which I published in December after a great many reviews, because I have been taking fairly large doses of painkillers every day. but I got there.

I planned to write and sell a course for first home buyers via an organization called Clickbank. I spent a fair amount of time and money after signing up to Clickbank University and learned quite a bit about Affiliate Marketing, but I felt their system, based around selling courses was a bit limited on its own.

Then I found that the target market for my book, young first home buyers, don’t really like to read. So I set off to create a YouTube video version of the book. You can find it here. It’s great free information.

Through the course I also set up an email list on aWeber. But this also required cost and a lot of work and I decide that people looking to buy their first home, are not looking for training even though in my opinion they really need it.

So after many months, I still wasn’t getting anywhere, until… I discovered Wealthy Affiliate. What was great about it was that it was a no nonsense, paint by numbers course that had you finding a niche, researching it, buying a URL, searching keywords, doing SEO, setting up a website in no time flat and before you know it, you are almost ready to start generating an income.

I just wish I had found this a long time ago. Now this is not a get rich quick scheme. I don’t think anything like that even exists, but without any knowledge of current web set up, I created Guitar Love. This is a website that is going to entertain and educate established and learner guitarists about everything from how to pick a guitar, accessories that make playing fun, writing and composing songs and music and much more. I will share affiliate links to products that I love, help them get good deals and get a clip of the revenue for my trouble.

I just can’t tell you how easy it was. I’m not saying it isn’t a lot of work, but any business is. I’m not looking to make money right now, but I could if I wanted to. I’m looking to build something that will give me a better lifestyle in future years.

I have always wanted to find a way to do what I love, writing, blogging, making music and just couldn’t figure out how to do it. Wealthy Affiliate has an awesome community and we all help each other out. It has gamification, it has paint by numbers, it has what I wish I had found years ago.

So, do you want a little or a lot more income now or in the future? All it takes is a little desire and a little work. I’m into it and I just wish I had found it sooner. If you are looking for a way to set up your future like I am. Just click on the banner below and check it out.

If you know anyone else that is struggling to make ends meet, a solo parent, perhaps someone semi retired, a student, or like me, wanting to do something for yourself while recovering from an injury or illness, please share this blog or a link with them. The link has a really low cost introductory offer which I and most people used to determine if the system is as good as it sounds.

Any questions, just leave a comment, or if you know me personally, give me a yell.

Thinking About the Consequences of our Education System, Bullying, our Health System, Coach Azul, Cameron Harold and FREE Publicity


I listen to a lot of podcasts. I was listening to them while commuting to and from work. Then last year I suffered a back injury and I have been waiting at home, consuming pain medications and exercising for what seems like forever, for ACC to approve spinal fusion and a discectomy so that I can get back to work.

Around a week ago they notified me that they are not going to pay for the surgery on the basis that I have degeneration in my discs that was not caused by the injury. It ‘rendered them symptomatic’ and I am now waiting for an appointment with the Waitemata District Health Board, whilst working on a review claim with ACC, New Zealand’s Government Accident and Injury insurer, who I feel could have had me back at work 6 months ago. They are still covering me for the back strain, but my specialist has said that they have tried everything bar surgery. “We’ve painted ourselves into a corner” he said.

I’m told that the North Shore Hospital spine surgeon is fantastic, but they also told me they have to legally see me within 4 months. In other words, just because it says “urgent’ on your case file, doesn’t mean you will even get to speak to someone anytime soon.

So I’ve had a lot more time to listen to podcasts while exercising, strengthening my core, whilst awaiting the needed surgery I still need, so I can return to work. I suspect there are thousands of people like me, numbers that get recycled in meetings focused on saving money. Ironically, when I work I am saving citizens much more money, but I digress.

One of the podcasts I enjoy is from Azul Terronez called Born to Write. If you follow me, you know I am passionate about writing and storytelling as a means of sharing a message on my various blogs and books.

The latest podcast from Coach Azul really resonated with me. The guest was Cameron Harold, a writer, entrepreneur, business mentor and founder of the COO Alliance.

He talked about some struggles he had growing up when he was told that he was  not academically in the top 40% of students and how he battled in his mind with that through school and university.

His story to becoming an entrepreneur resonated with me but from a different perspective, particularly the education part. It fascinates me how education systems seem to fail at both ends of the spectrum, contrasting with today’s apparent dumbing down of some generations whist the skill levels that create our greatest achievements are held back, limited to those who often achieve despite the system, rather than by its design.

I was one of those kids who didn’t fit in school, particularly once I got to high school. This was not because I wasn’t in the top 40%, but because I was in the top 2%. I’m starting to write about it, but not at this stage for publication.

I used my smarts to survive in a school (being a good guitarist helped) where the height of success was failing exams and getting into the school rugby 1st 15. In my school an A+ meant getting bullied for showing up the other kids. We had streaming, but being in the ‘Ac 1’ class also put a target on the back of your head.

Even teachers who tried to encourage kids to do well were on occasion beaten up and thrown down stairwells because the kids they tried to help were embarrassed in front of their peers. I liked sport (I played in previous schools, hockey and club soccer when living in Holland) but the thought of having to stay at school a minute longer than I had to (for training) was anathema.

The podcast I listened to this morning was about getting FREE publicity. I learned similar lessons to Cameron Harold early in my career, when I was racing landyachts as a hobby sport, and I was looking for sponsorship to send a team from New Zealand to the USA.

90 Mile Beach

Me on my Class 5 Winger on 90 Mile Beach

I needed publicity to attract sponsors for a sport where one minute you see the yachts racing over the sand on a long beach or on the tarmac of an air base; and for the next half an hour or so, you sit there waiting to see them briefly again as they would fly around a mark, crashing into each other on 2 wheels. It was a great spectator sport for about 4 minutes of each race that could take up to an hour and a half.

I did two things. I got a well worn small book from the library. I don’t recall what it was called but it may as well have been called “Get the coverage you want by giving the media what they want”.

One of the things it said to do was to ask them what they wanted. That seemed to simple but I did it. I rang radio sports journalists, I rang TV, I rang magazine editors and I rang newspaper sports writers. I introduced myself and gave a quick pitch of why I was ringing, explaining the challenges of a fast exhilarating sport, with yachts on wheels doing over 100 kph on the beach that no one had heard of.

Next thing I found myself in the newsroom of the New Zealand national daily, speaking with the Sports Editor. End result, they got some great stories, we got global TV coverage, we got international magazines and radio stories, we got sponsors and our team (unfortunately I had to pull out at the last minute) went to the Nevada Desert and won the America’s Cup of Land Yachting! And I learned how to get more than my fair share of media coverage for my employers and my modest entrepreneurial ventures.

Ironically listening to Cameron’s story, and despite being very gifted intellectually, I didn’t do any university study until much later in life, because I spent many of those teenage years rebelling against a system that had no place for bright people. I’ve had a pretty exciting life so far and I feel I have made a strong contribution in my endeavours, but I also wonder if I didn’t live in the land of Tall Poppy Syndrome, how much more I could have achieved if the education system had acted on what they discovered about me and nurtured it.

Which sort of brings me back full circle to my ailing back. I have now sat down too long writing this and need to do some stretches and exercise as I wait for my number to be called by the Waitemata District Health Board for my first specialist meeting, so I can have my surgery and get back to my job. When you’re a number in the system, a few pages in a manilla folder, you are equally invisible if you want to work and be productive as someone who will quite happily live on a benefit.

Does any of this resonate with you?

 

When People Say Good Luck


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I was in the shower this morning listening to Episode 55 of The Poker Mindset podcast.

One of the topics they discussed was wishing people good luck. Like saying “good luck on the table tonight”. Gareth made a great comment along the lines of (paraphrasing) so the 3,000 hours of playing on the tables and 500 hours of study, come down to good luck? I hope not.

It’s been a while since I consciously thought about this, but I rarely wish people good luck unless it is with their Lotto ticket or something that truly requires luck. There is no skill in parting with cash for a raffle. Otherwise I do feel that wishing someone luck, is almost a sign of disrespect. You know, like a sarcastic “Good luck with that!”

I’m waiting for approval from ACC for back surgery and when it finally comes, I don’t want people saying good luck. I’m relying on the surgeon having completed years of diligent study, of his attention to detail, a great team alongside him, all with many years of experience and the fact that he has performed the particular fusion operation, which is fairly new, over a hundred times with only one surgery that had complications which I believe were unrelated.

I met a cop recently (I only mention his occupation because fitness is a crucial part of his daily work) who had the same surgery from the same specialist, and he was back on the job after 6 weeks of recovery. That’s what I want.

I was going to write a spiel about some of my many past career successes, but it started looking like a memoire when I still have a good chunk of my career ahead of me. The crux of it was a saying I really like and that is probably all I really needed to say.

The harder and smarter I work, the luckier I get.

Your thoughts?

A Few Hours of Bliss at Float Culture


I arrived in an addled state this morning at 11AM for my 10AM appointment for a float and massage at Float Culture. It was in my diary for 10AM, but somehow that’s when I had booked my taxi to pick me up. I only got a few hours sleep last night, that’s my excuse and I’m sticking to it.

When I got there, they told me they had cancelled my appointment because I hadn’t turned up, even though I had confirmed this morning. I just tapped the button, not even reading it, or I would have realised and called for an earlier cab. How often do you do that with EFTPOS or paywave, just hit accept without looking at the price?

FC9Anyway, after my heart dropped, it turned out I was in luck and despite messing everyone around, they were able to fit me in. They asked if a Pod was OK rather than one of the newer ‘rooms’. When I’m floating on Epsom Salts laden water in the quiet and dark it could be a farm water trough for all I care.

I keep a pain diary so that I can discuss my physio treatment, exercises etc for my back injury with the team of people assigned to restoring my health and getting me back to work. (3 bulging disks pushing against nerves which has kept me off work for 6 months) The injury has me at a pain level of 6-7/10 most of the time and that’s with some hard hitting pain medications. This morning I was up at 2AM (6/10) 3-4AM (7/10) and up again at 6AM with 6/10.

Once I was in the pod, for some reason I struggled to keep my mind quiet and even using breathing techniques, my brain would be off on some tangent before I could count 5 breathes in and out and the hour was over all too soon, BUT I could barely feel my back when I got out of the tank for a shower and I still had a massage to come.

Now I’m no biochemist and my understanding was that endorphins are what used to give me the bright colours and the grin that wouldn’t stop, back before I had radiation therapy, and enkephalins are the body’s natural painkillers, but it seems they both come from the same part part of your brain. I didn’t have the buzz, but I also didn’t have the pain!

Anyway I went straight from the tank to the massage room for an hour of total relaxation.

At the end Kim said to take as long as I needed. I could have quite happily gone to sleep at that point. Well when I did get up from there, I was pain free, I was able to stand up and with a bright red rosy face, I felt the way you probably take for granted. I was able to put my track pants and shoes on without grunting and groaning. I was even able to stand up, leaning on a counter to look out the window watching for the cab to arrive without any pain.

Now to be fair, after the taxi ride home I was up to 3/10 and now I’m now at 4/10 but that’s still a lot less than 6-7. It will go back to 6-7, but I can’t describe how good it felt to be pain free without the use of drugs. No other treatment other than morphine has been able to do that for me in the last 6 months.

If you have any sort of chronic pain injury, I strongly recommend not just having the float, but combining the two. If you think how relaxed you feel after a massage, imagine having the massage when you are already totally relaxed. I pay a membership subscription and occasionally I get given a voucher for someone to get a free float (does not include a massage).

If you live in Auckland, leave a comment and I’ll use some random method to let someone try it for FREE. Find out more about floating on their website. I’ll pick one person on 1 December. Think of it as an early Christmas present. That’s worth $100, but I’m sure you’ll agree the outcome is worth much more. Do remember it is sensory deprivation so if you get claustrophobic, this is not for you.

Meanwhile if you’re still here, I’m going to get into the Delorean and zip back to 4 October 1987 for my 3rd float. You can go back to my previous blog for the 2nd one.

Now just to set the scene, I was working for a company that was bleeding money for no obvious reason (yet). I was making sales for 6 figure sums of money, delivering cheques in some instances, but somehow even though they had been cashed, they never seemed to reach the company bank account. It got worse from there when not long later I arrived at work on my way to a sailing weekend on the family yacht, to find out why my pay hadn’t been deposited. I met the receivers who were in the processing of padlocking the office door. To make matters worse, a certain person (not me) had taken a first class family world trip on my company credit card (note, if you get one of those, you are jointly and severally liable for any debt) and the bank took me for the money. I ended up losing just under $40,000 and I was just an employee and had to refinance our home. Take it that I was a little stressed.

So, off to the Belleview Clinic in Mt Eden on 4 October. This is what I wrote:

“My third float. Nothing spectacular. I didn’t feel any more relaxed, or different. The float itself was unremarkable, anticlimactic. Yet as I sat down to relax afterward, I felt a vibration throughout my body and a general sense of well-being. Not euphoric, but content.

I concentrated some energy on relaxing my jaw, probably the last place where I still felt stress from clenching my teeth.

Driving home I felt rag-doll relaxed, although I still felt fragile in the face of pressure, real or imagined. (Note at this stage I wasn’t aware the company I worked for was being embezzled, I just knew something was seriously amiss), It is difficult going from a cocoon to a demanding environment. I felt like I didn’t want to let go of the comfort of zero responsibility that I enjoyed in the tank.

Floating Book

The current edition available from Amazon

My general bearing and outlook was positive and I could see many parallels to other relaxation methods like meditation. I felt as though I was taking a short cut. It was interesting that subsequently I read similar comments in ‘The Book of Floating‘. It has been compared to many ‘laboristic’ relaxation methods including Yoga and acupuncture. 

There is a notebook of floater’s comments, a visitors book in the lounge at the clinic. Every comment is positive. Most people are there to solve personal problems and seem to want to apply mystical meaning to the amazing results. That’s not surprising off course when their bloodstreams are getting a rush of natural brain produced opiates.

I found myself holding back from conclusions, but was keenly looking forward to moving beyond release of tension and balancing myself, to getting creative with the tank and finding new ways to benefit from sensory deprivation. 

I subsequently did that and had all sorts of experiences and experiments that you can read about in future blogs about these awesome tanks. Bookmark or subscribe to this blog to find out more. If it’s boring you to tears, sorry, this is my personal soapbox and like the woman who was offended by the 2 minute song, based on the doppler effect, that I performed in one of my sets at the Parnell Rose Festival many years ago, called What I Like About Reefton. She stood up and said ‘That’s not very nice” and left her seat in the audience. If you want other types of blogs feel free to visit one of my other blogs like The Future Diaries , Location Is Everywhere , First Home Buyers Training or SoLoMo Consulting.

 

Sensory Deprivation Float Experience in 1987


FC9This was my second ever float and I want to warn you that unless you really want to know more about the floating experience, my personal one, click on one of the word cloud buttons in my blog and find something that is more relevant to your interests.

When I first started floating back in 1987 it was something quite new. I was sales and marketing manager for a company that was very successful, but being embezzled by its CEO which was apparently a recidist pattern for him, but one I didn’t find out about until after it had cost me and some of my colleagues a lot of money and stress. I won’t mention the company, some of you will know the story. It’s really just to say that I was working really hard, bringing in some amazing 6 figure sales, and stressed, partly because at the time I knew something wasn’t koshur but I didn’t know what. I do wish some of the people who knew the past history of this criminal had warned me, because I would never have accepted the job and would probably have followed the career path opportunity to Santa Clara that stood before me.

So I go from there to the following experience, which is pretty long and unexpurgated. It’s basically my journal and pretty geeky. So here goes:

“I don’t know at this stage if there is any relevance or not, but shortly after my first float I felt a sensation in the region of the right-front part of my brain. I have felt it several times since, almost as if another sense is trying to find its way out. It has no other manifestation other than a slightly happy feeling accompanying it, which may be psychosomatic. It feels related to and yet isolated from the optical nerves.

Today, (Sunday) I had my second float, one and a half weeks after my first. I did not feel as stressed, although I did feel a need for an aid to relax. I was also keen to follow through on the principles of floating which I had started reading about. There was a force driving me to write down my experiences. A sense that something good was going to eventuate from this, far more than just relaxation.

The last week has been very tiring. Thursday was marred by arguments with the CEO and other stress-inducing problems. In the afternoon I left Auckland and drove to Palmerston North (About 350 miles). The Sales Engineer and I finished setting up a demo at the hotel we were staying in at 11:30PM.

The demonstration did not finish until after 4PM the following day, which was followed by further arguments with the CEO. It basically came down to, I was bringing in cheques from clients for 6 figure sums of money. They were being deposited somewhere and I was being told the clients hadn’t paid and to chase them for the money I had already handed in. I had never experienced a con artist like this and this being one of my greatest values, I really didn’t know how to handle it.

By 8:30PM, I was exhausted, driving back home I was starting to drift to the wrong side of the road. I decided to stay overnight in Taupo. I can’t remember the last time I felt so exhausted and overemotional. I write this because it relates to my mental state when I had my second float.

So back to the float. I was much more relaxed physically and settled in very quickly.

I did not experience the same heaviness in my neck and shoulder muscles, which suggests that much of the physical effect from the first float was a release of long term muscular tension”

Note, I am pretty much copying what I wrote verbatim at the time. It’s raw and was only really written as a personal journal. It’s quite interesting reading this 32 years later. I also want to note that I was not under the influence of any drugs of any kind.

“The muscles that felt tired and were unravelling this time were those I had just used for 1,200km of driving; arm and leg muscles.

-Mental / physical disorientation. The first example was a feeling as if I had my legs crossed at the ankles. Although they weren’t crossed (I checked), my senses were convinced that they were.

An ex-client once lost a hand in a chainsaw accident. For months afterward he felt pain in the fingers of a hand that no longer existed. (AKA Phantom Limbs)

I had a similar manifestation on several occasions that I was clenching my fists. Again I knew that my hands were open and relaxed (in the yoga nidra position, palms up). It was not just a feeling that my fists were clenched, my sense of touch had no doubt at all. However, I raised my hands, they were as I knew, open and relaxed.

I passed into and through the REM state much more quickly than in the first occasion. I find the REM state enjoyable and relaxing even if my eyes seem to be going to town.

I finally reached a point where my mind and senses were totally blank. This must be very similar to the point people seek with meditation. It was a sense of being nothing, or an infinitesimal body in a black void and being totally relaxed and comfortable with it.

I believe that this period lasted for only a fraction of a second, although it appeared to be a long time. As soon as I realised I was in this state, I snapped back to reality.

I have noticed a tendency, which makes me feel a little cautious, possibly stopping me from achieving total relaxation, in that my respiration rate is reduced to a mere fraction of normal, and there are in fact periods where I do not breathe at all, at least in comparison to my normal conscious state. The breaths are so far apart that when they come, they distract me.

I also noticed that after the first float, for 1 or 2 days, my time sense seemed altered. For example the time period between light changes at traffic signals seemed much longer, although intellectually I knew this was not so. (Weed smokers will probably relate to this, but I promise, I was totally straight).

Other than that there is little to remark upon. The second float was understandably a little anticlimactic and the endorphin level much lower than it was previously. I was advised by the manager to expect changes over the next few days.

Meanwhile, my driving muscles are feeling sore and I do not feel the same sense of euphoric confidence as I did the first time.”

I think like most experiences, the first is often the most moving. Reading back through this, it is probably very boring, but being a geek, I was trying to analyse the experience, as well as enjoy it. There were in fact physiological and psychological ongoing benefits from this which I will write about in my next blog.

As I have said previously, these blogs are personal and I share them in case they are of interest to someone and to remind me of previous times. If you haven’t floated before, or you want to get more out of your experience, I also recommend keeping a journal.

If it sparks your interest, go and visit Float Culture and tell them that my blog vaught your interest and Luigi sent you. If you are not in Auckland, just Google float tank and I’m sure you will find one reasonably close by. Anton, the owner of Float Culture told me that there are now 19 places in New Zealand where you can ‘float’. I’m sure that is a record and shows that there is real benefit from this experience.