AGING DOES NOT MATTER FOR AS LONG AS WHAT MATTERS DOES NOT AGE 1

Retired three times. As a Banker, As Secretary General and CEO of an Asian Association of Development Bankers. As College President. Currently active in Consulting and Training, Social Development Communities like the Community Chest, Professional Assns like the PMAP. Church Organizations. Advocacies in areas of Development Financing, Corporate Ethics, Human Capital Enhancement. Wellness and Family Development. 2

 At the end of the one day workshop, participants would have had an overview of what to expect in retirement,  Assess the decisions you need to make before retirement,  Identify the actions needed to take to make retirement a pleasant one by preventing the disasters and preparing for the contingencies, 3

it is a planned CHANGE of employment status. When you make a change there are going to be problems and opportunities and your survival depends on how you can cope with these. 4

HOW TO BE ACTIVE. HOW TO COPE WITH THE AGING PROCESS. HOW TO CREATE SUSTAINABLE SUPPORT FOR YOUR SELF AND YOUR FAMILY. HOW TO ENJOY YOUR LIFE DESPITE ALL ELSE. 5

 A CHANCE TO PURSUE YOUR DREAMS.  TRAVEL  FREEDOM FROM TIME CONSTRAINTS  A NEW JOB  A NEW VENTURE  A CHANCE TO BE WITH THE FAMILY MORE  A CHANCE TO STRENGHTEN BONDS WITH OLD FRIENDS  A CHANCE TO GET RICH  AN OPPORTUNITY TO BE CLOSER TO GOD 6

 DISORIENTATION. What to do.  LOSS OF RETIREMENT PAY. Wrong investments.  FAMILY NOT USED TO SEEING YOU AROUND. You are getting to be. nakaka istoro ka na.  HEALTH IS DETERIORATING. At retirement age you are prone to be exposed to diseases.  YOU ARE NO LONGER INSURABLE. Sickness will drain you of your cash reserves.  WHEN YOU FACE SERIOUS PROBLEMS YOU BEGIN TO DOUBT GOD. You feel He is no longer able to protect you. 7

 YOU’RE WISER.  YOU’RE RICHER.  YOU’RE CLOSER TO THE FAMILY.  YOU’RE SOUGHT AFTER BY THE COMMUNTY AND THE CHURCH. Some venture into politics.  YOUR’RE MORE SOCIABLE, MORE DESIREABLE, EVEN LOVELIER (women only), and probably a member of several clubs. 8

 YOU’RE STARTING TO BECOME GROUCHY. You become a nagger, sensitive, and are losing your cool more often now.  YOU’RE PRONE TO BE GULLIBLE. quick money schemes, with false rumors, with risky business opportunities, gambling schemes.  YOU ARE PRONE TO ILLNESS. INFECTION. You feel pain or are weak somewhere.  YOU RESIST LEARNING. Matanda na ako attitude. 9

 Your first activities after you retire.  Your next job.  Your income source.  Your residence.  Who is your lawyer, doctor, accountant.  Your investments.  Your food.  Your health supplements.  If a widow or widower, to remarry or not.  Decisions regarding your next life. 10

 Sudden loss of Job  Sudden illness  Loss of a loved one whom you depend on  A family member on drugs  Accidents  Family separation due to employment  Lonesomeness  Crippling disease  Sudden need for cash 11

 LOVE YOURSELF. Pay yourself, Keep young, Enjoy every day. Enjoy your spouse.  CHOOSE YOUR FRIENDS. Time to discard the people who are difficult to carry.  CHOOSE YOUR HANGOUTS. There are nice places to be associated with.  DON’T SPLURGE BUT ALSO DON’T ECONOMIZE TOO MUCH TO LOSE THE JOY OF LIFE. Rein in your credit cards.  MAKE A DIFFERENCE. Have an advocacy.  MANAGE YOUR LEGAL, FINANCIAL, AND MEDICAL CONCERNS, Invest in your health.  BE ON GODS SIDE IN WHATEVER YOU DO AND IN YOUR RELATIONSHIPS. Read the Bible, attend Bible Lessons 12

A one or two day WORKSHOP ON RETIREMENT - Avoid the disasters of retirement. A one or two day DECISION MAKING WORKSHOP. All actions begin with a decision and all decisions can fail. How to avoid failure. For a new career in TRAINING AND CONSULTING. Never be jobless again. Be useful forever. We will refit you.  ORLY PENA, President Call ABC  Text me.  THANK YOU. 13