Tag: Lifestyle

Real-life adventure books

I love reading books about adventures, real life adventures, about real people, with maps and photographs. Video not so much, in my opinion it can take away from the spontaneity of the event and turn it into reality TV feel.

A well written book can take you to the location and make you feel part of the experience. I read ‘Wild’ By Cheryl Strayed a couple of years back, and listened to part of it on audio. I became so engaged with the experience of walking the Pacific Crest Trail, a 1,100 – mile hike, that when someone asked me if I had seen the film, I said yes, but I hadn’t seen the movie at all.

The events along the trail were real to me, I could see them in my mind’s eye, the breathtaking scenery and feel the weight of the backpack, and the blistered feet… it was quite incredible.

I’m still a kid inside, and adventure is adventure wherever you find it.  ~ Jim Dale ~

Gillian CallcottImpact books have

I wrote a post a while back, about finding your why, and exploring your childhood interests which sometimes can give us clues to finding our true purpose or direction in life, the things that make our heart sing.

Reading about real life adventures was something I loved when I was 12 years old. We lived in an old rambling beach side cottage at Burleigh Heads. In those days the land extended right from the Gold Coast Hwy to the Esplanade. The cottage has long since disappeared, and a multistorey building sits on part of the land.

An old musty smelling bookcase

I remember long hot summers and the incessant noise of cicadas when we walked, or should I say ran down to the beach, so our feet didn’t burn on the hot sand. The thing I remember most was a musty smelling bookcase, full of real life adventures books.

Life is either a great adventure or nothing.  ~ Helen Keller ~

Mum and Dad rented this cottage from an elderly couple, Benny and Jessie Morris, they owned quite a bit of property around the area. Benny Morris was proud of his purchase at an auction of a few hundred books, the bookcase was in the bedroom that I shared with my sister. I can still picture him, a short round man with a strange moustache, which resembled that of a famous German dictator.

He said that we could read the books, but we had to look after them, they were valuable and cost a lot of money at auction. I can’t remember the amount he said but I do remember that it wasn’t much. I can still picture that room with its white paint peeling timber window frames that opened out onto the back-garden’s lawn. The book case was in the corner of the room, packed with old books.

Future value

The first thing that struck me even has a 12-year-old, was that these books were old and smelly. The pages were yellowed, and small insects (book lice) would run into the book’s spine every time you opened one up. Hardly valuable in my opinion, I suspected that Mr. Morris was a bit tight fisted.

Valuable they were, many hours of reading I enjoyed in that bedroom, the damp musty smell of those books along with the book lice, never bothered me.

In fact, to this day, I have a problem getting rid of old musty smelling books.

There were real life adventures in that musty damp book case, life experiences of real people with photos and maps, journeys across the Sahara Desert in an old car, trekking through the jungles of the Amazon and archaeological expedition in the Middle East.

One of the last books I read from that book case, was of a woman who rode her push bike across Europe, she could fold it up and put it in a suitcase.

Can’t remember the titles

Over the years I have searched for those books, unfortunately the titles have alluded me, it was over forty years ago. Most of the adventures were already decades old even then.

Nonetheless it fueled, an adventurous spirit in me… although I haven’t been involved in anything epic. All those real-life adventure books gave me a little courage and an expectation of not wanting to miss out on opportunities.

Whenever I was hesitating about doing things on my own, however small, I was disappointed in myself if I didn’t try. I believe those adventure books gave me that mentality or maybe developed it to something almost tangible.

I still love watching documentary about people and places. I remember those musty books with fond memories….

Voyage of the Southern Sun – Michael Smith

I am on another adventure now, and what I love about a real-life adventure book is you can experience it wherever you are and whenever you want to escape. Imagine taking the same route that Qantas did more than 95 years ago, but doing it in a little sea plane, a flying boat if you will.

I am sixty pages in and loving it! The background of the adventurer is just as interesting as the journey itself. For all you book adventurers this is one you should read. I know I couldn’t embark on such an adventure, the planning involved would be a feat on its own.

But wouldn’t it be nice just to be in the cockpit of that Searey for just one leg of the journey and have some hair raising moments, you could tell the grand kids about around a family dinner.

That would be a treasured adventure of a lifetime. More interesting than the kids telling strangers that Nan’s got a YouTube Channel with her child

We are all on an epic adventure now!

Sometimes we can get so engrossed with what others are doing and accomplishing, that we forget that all of us are undertaking an epic adventure… called life. It’s our own unique experience, our own path and we get to create and walk it.

Sometimes life takes unexpected twist and turns, we have to deal with. But one thing is certain if you want to have your own epic adventure to some faraway place and that’s what you dream about, it takes finances and planning to do it. If this describes you there is an opportunity to do something about it. I am, because there are things I want to cross off my bucket list, it might not be someone else’s adventure but its mine.

If lack of another income stream is holding you back from that adventure, click the form below and check out the Seven Day Video Series. This might be the answer to seeing your dreams becoming a reality.

Women can’t afford to retire today

Most women can’t afford to retire today!

There is much talk about retirement, and how much money we will need to retire comfortably. Women in particularly are the most vulnerable, the figures indicate that one in three reach retirement with no funding, and the average woman retires with less than $100,000 in Superannuation or a pension fund.

These figures are mimicked throughout the western world, women in particular are at most risk, because of the gaps in their working lives for example –

Women will have to keep working

  • Staying at home with the children
  • Parttime employment
  • Equal pay still not a reality
  • Divorce
  • Death of a spouse
  • Ill health
  • Working from home

Men are in trouble also

The list goes on, it cannot be denied that men will also feel the effects of lack of funding for retirement, they may have a little longer to enjoy their retirement, but they will also suffer the same consequences.

It’s not just about money…its about lifestyle and happiness…

Those retiring in the next few years are particularly at risk, for a number of reasons. When you look at the working life of most women, over the last couple of decades, you will find large gaps while taking care of children at home. It’s understandable that women cannot afford to retire

In addition when they were working, it may have been part time, so the income isn’t there to collect in significant contribution.

No one likes to talks about this…

Super funding was introduced into Australia in 1992, we are looking at only 25 years ago, so those retiring now, are already behind the eight ball. They have lost a couple of decades of their working life, contributing to an old age funding scheme.

We could extend that by a few years, because it took some employers time to adjust to this new system, with many resisting changes.

In addition… throw in those that were working for themselves or using their ABN…. we have a recipe for disaster.

In fact there is a huge moving bubble of baby boomers, ill prepared for retirement and approaching retirement age. No one likes to talk about that, they talk about people not being able to retire because of lack of funds.

The only acknowledgement of this issue of time frame, is to extend their working life, beyond 65 years. (maybe they can catch up, if they stay in good health)

The Association of Superannuation Funds of Australia (ASFA) has estimated the yearly income required for a retiree, they broke them down into a number of categories. These figures are interesting and sobering at the same time.

Retirement Standard Annual Cost
Couple – Modest $34,560/Year
Couple-Comfortable $59,619/Year
Single-Modest $23,996/Year
Single-Comfortable $43,372/Year

These figures are based on the retiree owning their own home, and in reasonable health. (Source ASFA)

I can not afford to retire

Do you really need less money when you retire?

They always say you need less income when you are retired, I’ve always questioned that type of reasoning.

For example you may use less fuel because you don’t have to commute to work… but then you go out more and take day trips… more travel, longer distance.

You still consume the same amount of electricity, maybe more…. Spending more time at home in front of the heater in the cooler months.

You eat the same amount of food. You might save a few hundred dollars here and there on insurances because of your age and concessions can help. We are talking about lifestyle here, I know I don’t want to be talking about the cost of everything and complaining about life. I want to live!

Let’s Break Down – Single Income (Single Modest)

Rates 2,000
Home Insurance 1,000
Life/medical Insurance 1,560
Contents Insurance 380
Car Insurance 700
Car Registration 700
Car Service 400
Food @ $130/weekly 6,000
Petrol @$50/weekly 2,400
Meals 2x$50/monthly  1,200
 Electricity  1,400
 Mobile @ $70/monthly  840
 Internet @ $60/monthly  720
 Netflix   @$12/monthly  144
 Holiday for a week  2,000
 Beauty Salon  ?
 Hair cuts  ?
 Medical  ?
 Body Corp Fees  ?
$21,444

We have already hit expenses of $21,444, and still haven’t completed all the variables, yes it’s true, we can save in this area or that, but at the end of the day this isn’t what I would call a modest single income. You are on the poverty line and we still haven’t finished the expenses.

If you have a $100,000 in the bank, you may get an additional $200 per month or $50 per week if you can access it. However your principle isn’t growing. I’m not a financial planner and I have no skills in this area, my only qualification is how I live and what I would expect a secure lifestyle to look like.

Feeling depressed?

This isn’t the purpose of this exercise, to make you feel without hope. However most of us don’t want to think about it, hoping we might have a ‘win’ somewhere, maybe a long lost relative leaves us a fortune, or we have a windfall by winning the lottery.

I know because I have been there too. Is it too late to enjoy our later years, living life to the full? Traveling to distant places, indulging in the things we have put off.

Is there a solution? Or are we doomed to struggle, after a life time of working…

There is an answer, but it does require some investment and a learning curve. It’s possible by following this online business model that you could recover and be able to retire with sufficient funds to enjoy your retirement with an income coming in monthly.

There are no claims made on income, because it is up to you. You can tap into a community of like minded people who can mentor and support you along the way. It’s best described as an Earn & Learn system and worth a look. An opportunity for women who cannot afford to retire, to get some control back for their future. 

Why not take advantage of the seven day video series. You will be able to tell right away whether this system is for you.

 

All the best with your retirement, I wish you well and good health and a great lifestyle…