Here’s to Staving off Dementia and other Demons

I’ve been working on my CV over the last few days as my division and role are being disestablished. On the template there was a field for interests. Now if you know me, you will know I am addicted to learning. I am not happy if I am not developing a new skill, a new understanding or keeping up with the constant state of change in this amazing era I feel privileged to live in.

Why do we need to learn? For a start, we have a massive set of wetware in our skulls, that like any muscle, needs to be exercised. Just like muscle sinews, the dendrites in our brain grow or shrink as they are used or neglected. We have discovered this concept of neuroplasticity, or perhaps more to the point of it, science has proven it exists. We actually knew it all along. The link above has some great ways to grow your brain.

The challenge is to keep learning and my bent is to understand, not just absorb data. We have Wikipedia and Google to do compile the data, we need to understand what it means. We need to be ready to identify our weaknesses and keep pace with change. If we don’t the consequences are dire.

I told someone this morning that I feel like I am living in a science fiction novel. The space race is back on, our oceans, lakes, rivers and seas are polluted. Temperatures all over the globe are reaching extremes, we’re getting rid of plastic bags, the political trend around the world is becoming more nationalistic in many places, as we try to protect something we may not have actually had. Children are rising up and being recognised.

I have to chuckle at this one, because I tried that back when I was a kid. I was lucky to have the opportunity because whilst children were sent to schools and universities to learn, their views were largely ignored. Today they are realising that they can’t let grownups screw up the world that they will inherit.

The challenge was that we didn’t have social media and broadcast systems that allow children on one side of the planet to encourage people on another side of the planet to ban plastic bags. I remember being involved in seminars as a teenager with groups like the World Council of Churches and Paulo Freire, whom I was very lucky to have met and spent time with.

Paulo’s critical pedagogy which is now considered new, included the premise that “Study is not measured by the number of pages read in a night, nor by the number of books read in a semester. Studying is not an act of consuming ideas, but of creating and recreating them”.

That’s how we moved from the Morse Code machine to owning, often more than one smartphone, each with more computing power than was used in the entire Apollo 11 Space Programme.

Successes didn’t happen overnight. For example there were many failures before that light bulb lit up and stayed on. We didn’t stop with that incandescent light, we tried and failed and failed and tried and look at the amazing options we have now. Garden lights powered by the sun that work for years and cost less than $5 each!

So what happens when we stop learning? Have you had the sad experience of having to put a family member into a rest home? What happens in most of those places? They have limited resources and the people in them spend a lot of their time withering away until they no longer know who they are. Yet, we know that playing them music they were once familiar with, can bring them back. Things they learned are still there, but the dendrite connections turned off.

I wonder how we will use that knowledge now that it has been accepted as scientific fact, because dementia is at its highest level in recorded history and I’m not sure it needs to be.

I actually wanted to write about interests and one of mine is linguistics. At various times I have learned and spoken around 8 languages. I formally studied 6 of those. The other one, which I have forgotten was Hungarian, which I learned at 3 because my neighbours at the time only spoke that language. It was easy for me because I already spoke Dutch and English and learned French and German because my parents used it when I was a child, to have a conversation they didn’t want me to understand. Now there’s motivation for a kid to learn something!

I also wanted to talk about conferences, having attended, chaired and spoken at venues in 10 countries around the world, frequently sharing the frustration that most of the people that needed to attend weren’t there, because they were struggling to survive in a changing world and didn’t have time to learn the very things that would save their business. So instead of using Freire’s pedagogy, they kept repeating what they had once been taught, even though it was no longer relevant.

The number of people I have come across who say they know all about their business seems interesting proportional to the number of businesses that are going broke, or the models that are failing because disruptors have delivered what customers were asking the incumbents for, and not getting. So we were frequently preaching to the converted.

I’ll come back to the importance of language in another article, because it is a subject in its own right. Language and linguistics has provided me with a rich career in business and communications. It has taught me much about culture and helped me develop friendships and business relationships around the world.

But haven’t they changed over the decades? My cousins in Holland frequently use words I haven’t heard before and the technology is also now taking us into a whole new area of language, much of which is international, like emojis.

Anyway, I’d like to tell some stories about languages and the value of learning, but you’ll have to watch this space to find them. That’s assuming you still read, but of course you are here. That’s probably a sign of your age, because after writing my latest book targeted at millennials, I realised that many do not like to read at all, but will happily spend hours on YouTube watching educational videos. Maybe one little take away if you are in a business where you want to communicate with people. It used to be simple back in the day.

The things we were taught about in communications decades ago may still work in some niches. The principles still apply, but as Freire said, you have to create and recreate ideas.

So WTS and I’ll BRB 🙂

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.

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

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

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.

I’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.

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.

If You Think You Are At Risk of Getting Cancer

Sort out your insurance before you get tested, so that you know you will be covered if you do get cancer. As some of my friends know, it’s a very expensive condition. One of my friends had to sell her house to help cover the costs of treatment because her insurance cover only paid for 60% of the treatment costs and whilst going to public health is an option, this is something you want to deal with as quickly as possible.

Perhaps like me, there is cancer in the family, or you are getting into your 30’s or 40’s it is worth checking out cancer insurance.

We just found out that Southern Cross has optional Cancer Assist insurance. I wish they had told me a few years ago, although, like you, it never occurred to me that I could get cancer. It’s always someone else that I feel sympathy for.

Unfortunately by the time I found out, I had already been told “You have cancer“. Fortunately I did have income protection insurance with a one-off cancer payout, because the first thing that my insurance broker, Tom told me when I let him know that I had cancer was “You are now officially uninsurable.” Ironically I didn’t know that I had a policy that included cover and my broker volunteered to look for me, even though he didn’t sell me the particular policy. I am extremely grateful to Tom Fox of Canopy Group for helping out. If you need a broker, tell him I recommended him. He took a huge weight off my mind in a stressful time.

Fortunately Southern Cross medical insurance has paid a large chunk of the many biopsies, MRI, CT and other scans, radiation treatment, countless specialist visits and more, but if I hadn’t had those insurances, I’d be under some serious financial pressure right now.

As a male in New Zealand, you have a 1 in 9 chance of getting prostate cancer. If you had those odds of winning a lottery you’d think that was exciting right? Not quite so exciting with those odds of getting an illness.

I can’t remember how many people got tested because of my pushing and prodding, it must be getting close to 20, but I would be horrified if some of those people didn’t have cancer cover before they got tested and found they did have it.

So here’s my plea to you. Get cancer cover. Sort out your life insurance, then even if you feel perfectly healthy, get tested. Mine was found early and probably saved my life. We begrudged paying the premiums for years, saying what if we had put that money in the bank, but you don’t right?

 

What About Your Community in an Earthquake?

How well do you know your neighbours? If you’re in a rural area, probably pretty well, but the suburbs these days are becoming more and more impersonal. Back in the day if you saw a neighbour doing some work in their back yard or putting in a driveway, you would put on some appropriate clothing and go and help them out.

Today many of us don’t even know their names. There are groups who set up neighbourhood watch programs to help reduce crime in the area. I’ve coordinated a couple of those over the years and I’ve even found that if you have neighbours who you think are a bit dodgy, they will often be there for you if they fee you are not looking down on them.

In a case of do unto others, even if you haven’t made contact before an emergency, when one starts is a great time to start. There were many cases in Christchurch where people contacted the media and message boards worrying about elderly or infirm relatives who lived in the area on their own and hadn’t been heard from. Many older people may not own mobile phones and without electricity they can’t be contacted.  The Red Cross were one of a number of organisations who helped with coordinating the location of missing people.  The military and S&R also looked for people, but often time is important especially if people are injured, so its a good idea to check on your neighbours once your own safety is assured.

Food is another issue. With no power, many perishables could go to waste. Some people will have more than others, some may have gas BBQ’s and can cook without power. In Christchurch many people got together and pooled their resources and in doing so got to know neighbours they had never met before.

Christchurch BBQ

There were many cases where people with phones were able to help those without, to let their friends and family know they were all right. When roads were unusable, there were people with bikes and motorbikes who were able to get out and help bring people back together.

I covered a lot of information in my previous blog about getting your own household in order many of which also apply to your community. Your neighbours are your community and by pooling resources and caring for each other, the burden will be much easier. This has been shown everywhere in an emergency. Now would be a great time to start before you need them to get an understanding of the dynamic, elderly people on their own, young families that may get split up and so on. Crises bring communities together and something good can come from them, even if it just psychologically knowing there is someone there if needed.

Disasters like the Christchurch earthquake, the Australian floods, the Japanese earthquake and tsunami are devastating and tend to bring out the best in people, but by being a little more prepared, we can do even better. If you don’t have a list of who your neighbours are and their contact details, especially their mobiles, why not go next door now and introduce yourself. Even if there is no emergency, you can keep a friendly eye out for them and they will do the same for you.

On Living Longer

I’ve decided I want to live longer.  I love technology and I love this world of change and the ability to be involved in this technological era. I have things to contribute and I want to be active in ICT, Location Based Services and also as a songwriter. I want to see my children and grandchildren grow up and explore this ever changing world and see what they make of it.

I’m going to have to work longer, that was always expected, but then providing my Maslow and Herzberg needs are met, I enjoy working. I enjoy making a difference, helping people achieve their goals. I enjoy learning, watching what is helping in my spheres of interest, particularly those mentioned above. I enjoy collaborating and networking and am particularly passionate about seeing New Zealand step up to the plate and continuing to innovate and achieve greater success on the world stage.

I reckon a healthy target for me would be 120 given medical advances now and in the future. My greatest risks are probably heart and cancer, with the determining factors being nature and nurture and my general disposition i.e. my attitude and happiness.

One thing that is obvious is that I have to look after my financial well being. If I continue to work, then raising the retirement age isn’t going to be a major for me. If I am enjoying my work, see a future for myself where I can contribute from my experience, passion and knowledge and can continue to grow, I wouldn’t be expecting to retire at 67.

I know I can’t rely on the Government to give me any kind of lifestyle on the retirement pension anyway. Our budget deficit has just been raised to over $15b and despite some significant successes, we still don’t have an infrastructure that really supports innovation. We tend to take credit once people are successful, but most successful innovators tend to be successful in spite of the country’s and their employers contribution rather than because of it.

So my first considerations as I start goal setting and planning will be how I can maintain my lifestyle in the years to come, continue to build an asset base so that when I wind down to a shorter working week I can continue to enjoy a lifestyle and if I should be forced into retirement through poor health (which is not the plan) I can still live comfortably, which no one can in NZ on a pension or benefit. I have a super scheme, I still have a mortgage. I am closing down my rental property LAQC and have sold my rental property. The Government doesn’t want people be able to claim losses from their expenses and without that I can’t afford to own rentals. I’ve invested in public companies before, but unless you are buying and selling daily, this is in my opinion a far greater risk business. Even the biggest companies make mistakes or get caught up in circumstances beyond their control and shareholders unless they are big, have little or no control over their destiny. How many Kiwis lost their life savings in the past by investing in ‘rock solid’ companies?

So I’ll invest in myself. I am studying song writing at Berklee Music on-line, which is costing me a small fortune, but if I can score 1 or 2 hits somewhere along the way, I’ll recoup that investment. I study the industries I’m involved in daily through the media, the occasional conference, networking in person and through social media such as LinkedIn and Twitter and I read a lot.

I have and continue to amass a huge amount of local and international experience in a number of industries, particularly in the application of leading edge technologies to solving business problems. Experience, I have learned takes years and is perhaps something that is least appreciated by younger people who come out of university thinking they know everything and by people who have stuck in one industry or a very small number of companies during their work career.

So to cut a long story short, I need to start planning for my long future. I need to consider a range of aspects, particularly how I want to live those years, what I want to do in them, what I want to contribute, what capital I need, how to maintain my health and fitness. Must be time for some goal setting and dream building.

I’ll leave the last word for now to Anne Brunet (who came via that other little university in Boston (not Berklee Music, but Harvard) and Thomas Rando of Stanford U.

Note the real meat of this video starts around 21 minutes in.

Barter, the New Old Economy

I’ve just got back from a break in Rarotonga, which was a wonderful place to visit for peace and rest. It was thought provoking even though thought was not high on my agenda.

I finished a piece of music I had been working on and called it Rarotonga, which you can find on Youtube and my About Songwriting blog. While there I attended a wonderful gospel church service where I had some great singing. This was followed by a bountiful morning tea put on by the open generosity of the locals.

Most of the church service was in Rarotongan Maori, however 2 words that I did understand were Climate Change. In a country where most of the land is very close to sea level this is a real challenge. You need to spend a little time on a South Pacific Island to understand what is at risk.

The one thing you must do when visiting a new country is visit with the people. 3 things stood out:

1. Everyone expressed their gratitude that we visited and explained that their country was entirely dependent on tourism.

2. Every person had at least 2 or 3 jobs and good pay was considered to be about US5 an hour. Other than Sunday’s, most people would be working 12+ hour days.

3. There was a sub economy operating below the cash economy. People trade goods or services. It might be people swapping fish for Taro or playing music in return for food and the ability to promote and sell merchandise such as CD’s.

As you do, when you deliberately disconnect from the grid, you catch up with reading and I got to reading up on Life Inc by Douglas Rushkoff. One of his arguments is that the world’s economies are driven by corporations, banks and other large entities who perhaps care more about themselves and keeping communities reliant on them than helping the people they serve gain any level of independence.

I was blown away by some of the examples of alternative trading systems he came up with, although I don’t know why. Barter as a concept is probably as old as mankind, but a new economy seems to   be reemerging in innovative ways. I’ve known doctors who accepted fish or other produce from patients who couldn’t afford to pay fees in New Zealand. I’ve known plenty of people who share their specialties, a plumber who does work on an electricians home and the electrician is owed a favor by a motor mechanic who then does a job for the plumber for free. The traditional economy still gets revenue from the parts that are used, which includes all the traders and of course tax in all its forms.

From a business point of view, I use Bartercard and they are a great organisation who I recommend. They have Bartercard Maps which uses GeoSmart Maps technology to help you find what you need based on location. However, fundamentally it is still a form of currency and our accounts department and Inland Revenue treat it no different than cash. In some cases, such as accommodation I also sometimes feel that the product you get is a little less quality than you would get if you were paying cash.

One good thing about Bartercard I like is that it is local, at least it encourages companies to use local suppliers. Despite our position, I feel many organisations in NZ from Government Departments through to consumers do not consider supporting their local economy as a major factor in making purchasing decisions.

I don’t want to go into any real detail about the examples in Rushkoff’s book, because that’s what the book is for and you might want to read it. There are some great deals on Amazon. I don’t think you’ll find it in your local bookstore.

Here’s a couple of cool examples.

• CSA or Community Shared Agriculture. The concept is that people not only commit to buying their produce from a particular local farm, but they even commit to doing a small amount of work on it to help support it. This gives some security to the local farmer, but also helps build local community spirit and has people involved and doing something they would not normally do in their daily lives.
• In Japan, the Sawayaka Welfare Foundation came up with a ‘complementary currency’ where young people could earn credits for taking care of elderly people. Those credits, called Fureai Kippu can then be applied to the care of their own elderly relatives who may live in a different part of the country. Because it is by the people and for the people, many say that the standard of support they get is far better than if it was provided by commercial caregivers.

The book also has lots of ideas about local loyalty programs that serve to build greater loyalty to local traders and creates stronger community feeling, which can and should apply to any town or village. The people who work, have restaurants or businesses near your home, are your neighbors. We are  often too quick to go and give profit to multinationals, when we could be supporting our local businesses and then complain when our potential customers don’t use our services.

To a degree this blog was motivated by my trip to Rarotonga and the music I wrote which you can listen to below. But it is also out of concern for our future. New Zealand, like Rarotonga runs the risk of becoming isolated. If a war were to strike overseas and our imports (including oil products, food, clothing and technology) how well prepared are we to continue living to the standard we are accustomed to? People in Rarotonga told us about the island running out of fuel for a few days and the chaos that ensued. How long would we continue our lifestyle without petrol and diesel?