Protector of the Himalayas
Torchbearer of Environmental Activism in India – Sundarlal Bahuguna (90+), creator of the Chipko Movement
Author: Old Admin
Turbaned Tornado
World’s Oldest Marathon Runner – Centurian Fauja Singh
The Super Woman
National Award Winner – Super Woman Dr. Bhagwati Oja (80+), Doctor, Pilot, Swimmer, Winner of more than 100 medals
Startups tap into 60 plus skill sets – Hires experience
55 Plus experience -A job market demand
In 2015 a Hollywood Drama Comedy, The Intern, starring Robert De Niro and Anne Hathaway was released. In the movie seventy-year-old Ben Whittaker (Robert De Niro) realises that retirement isn’t the retirement from life. As a result, he decides to work as an intern at an online fashion store managed by an extremely sceptical boss. What unfolds thereafter is anyone’s guess. But this urge of getting engaged in something post retirement, is shared by many who cross the threshold. Then, there is also that population who can do with some extra earnings. So they look towards options of getting a full / part time job.
Picture Courtesy : Hollywood movie The Intern
Hatti Kaapi
Picture Courtesy : Hatti Kaapi
Hatti Kaapi is a Bengaluru based coffee chain which employs more than 320 people at its 63+ coffee outlets spread across Bengaluru, Mysuru, Mangalore, Hyderabad and New Delhi. Senior citizens and differently-abled constitutes twenty percent of its workforce. Mr. S Neelakanta Rao, at age 87 is the oldest of the lot. By promoting the concept of “working retirees” at its outlets, Hatti Kaapi is helping seniors who simply can’t bring themselves to hang up their boots.“Hiring senior citizens and the differently abled makes business sense too. We find them sincere and loyal. Also there is a lot of positive energy when they are around,” says U S Mahendar, one of the two founders of the coffee brand.
Truebil
Picture Courtesy : Truebil
The objective is two-pronged. Firstly, to provide a second innings to retired citizens and help them understand how latest technology works in a New-Age organisation. Secondly, to mentor the 200-odd employees at Truebil, where the average age is around 28 years. Shubh Bansal, co-founder and marketing head of Truebil, believes this would help employees learn how the organisations used to operate in the pre-internet era.
Now, startups like Hatti Kaapi and Truebil are only the tip of the iceberg. With advancements in medical science, people today are healthier and living longer even after retirement. There is a distinct shift in the attitude that mind does not age and age is just a number. This is a huge plus when it comes to companies willing to dole out job offers. Besides this, start ups also look to leverage overall experience of 60+ population. This is not only in the specific job that they are assigned. It also includes using the experience of 60+ and training / mentoring their own younger employees.
There are many areas today where there is good demand for 60+ population. Corporate banks including NBFCs look for retired bank managers or officials of PSU banks. This is a win win situation for both.
Also there are areas where 60+ job seekers far exceed open job position e.g. tutor, data entry clerk, freelance writer, business advisor, accounts manager, production advisor and many more.
Fashion Tips For Bald Men
Are you worried about your hair leaving you? Then its time to go trendy. Bald is in. Hair is out. Given below are some amazing fashion tips which will make you look fashionable and interesting.
‘Hair today, gone tomorrow’ . This may be a funny pun but increasingly bald men are finding their place in the fashion world. Are you one of those who worry about your hair leaving you? Don’t. Because Bald is in and trendy. In fact today many are happily going bald in order to express themselves. Read for some amazing fashion tips which will make you look amazing and fashionable.
Shave
This tip is for the bald men who have an attractive face with a big head. Shave off all the hair and show your new look. This makes you look awesome.
Baseball Caps
One simple idea to exhibit yourself young is by wearing baseball caps. These caps are popular worldwide and suits for any face with no matter of face shape and skin tone.
Sunglasses
To give a sophisticated look sunglasses could be your best option. Wearing sunglasses is one best tip to be followed by the men with bald head but care is needed while choosing the best. Go with the sunglasses that are having round frames rather than squares.
Attire
Yet another important tip for bald men to hold on is that the way they choose costumes. For you people, collared shirt matches great. However, you have to sacrifice your round neck t-shirts and V-neck since that damage your overall look and draws attention towards your thinning top. Add tie to that collared shirt to complete your ideal look.
Dark Colours
Rather than men with head full of hair, bald men can take the advantage of dark colors fully. The contrast adds shine to their baldhead and makes them look fantastic. This is one of the best fashion tips for every bald man that can never go wrong.
Bandana
Wear bandanas to hide baldness. It makes you look exciting and adventurous. This is a typical summer look for the bald men.
Colour It
If your head is partially bald then you still have the chance to make it appear fuller. Try to highlight your hair with the colour that suits you best. This is another cool tip to be followed by the people with partial bald symptom. Before attempting this tip one must need to understand the skin tone before sporting a colour. Play on!
Turtlenecks
Another good tip to follow is turtlenecks. Whether you have observed or not bald head people have the chance to look at their best in turtleneck sweaters, as it adds to the frame.
Hats
There are many styling tips that help in making the bald men look handsome and charming. However, it is worthy of mention here that bald is also a cool style for men. If you are attempting to make it look even more graceful and cool, hats are the best option. There are different types of hats that suit for bald-head. This not only gives a stunning profile but also is designed as an ultimate sun protection for your face and neck. These hats also fit your head perfectly and make you comfortable wherever you travel.
Go For Trendy Clothes
Clothes play a major role in each and every one’s life. Men always prefer trendy dress, which gives a stylish look. Dark jeans always do wonders for bald men. Whatever you wear, make sure that you accommodate yourself in it. Any clothing that makes you uncomfortable makes others uncomfortable too. Can you imagine that even a simple white shirt does the magic? Yes, it is sure a visual treat for others.
Beards Go Well With Bald
Yes, bald and beard is another great combination in men’s world. It gives an appealing look and showcases your bald-head handsomely. Choose the type of beard that suits your style the best. Some beards give a simple look while others give a hot star look. Try out this new style and catch the eyeballs.
Stay Confident
Whatever your attire is, it is important that you stay confident. Having comfortable clothes and accessories is very important as it plays a vital role in boosting up your confidence level.
Be Careful
Bald-heads are the easy victims to razor burns. Always have the practice of shaving your head after a warm bath. This helps in cleaning the skin and opens up the pores. Also menthol rich products may lead to irritation. Hence choose the products carefully.
Home an Investment after 55? … Nah
When you grow up in India, you often hear that the house you purchase is the single best investment. Stories generally are abound about the fabulous wealth created in Real Estate Investment. For 55 plus population who are risk averse to equity markets and related investments, have surplus cash and limited investment options considering dwindling Fixed Deposit interest rates and other savings schemes, Real Estate looks all the more lucrative. This article tries to explain why the same is not always the case. So lets go about debunking a few of the prevalent myths:
Home prices always appreciate
Look around you, how many successful real estate investment exits have you seen recently. Consider a 1000 Sq. ft. Flat in an average(not so posh) location in a metro city like Kolkata. The mean will be around Rs. 70,00,000 (advertised as an apartment @ Rs 53,00,000) inclusive of costs like brokerages, registration, upkeep, parking etc. Now if some of you borrow to invest in houses, with average interest rates hovering around 6.75-8.5 % levels, over the long term period, the average return attained by investing in real estate, are even lower than the compounded rates for fixed instruments. Very poor investments considering ever growing inflation.
We will earn back the EMI’s
Firstly the average monthly rental for a 1000 sqft flat in an average location in Kolkata would be around the 10,000-15,000. The average person would take a home loan of at least Rs 55 lakhs for a home. The EMI will come close to Rs 47900 at 8.55% for 20 years. Compare that with a Rental value of Rs. 10,000-15,000 per month. Need I say more.
We can always rent it out
Now take a drive around New Town in Kolkata. How many of these high rise buildings have apartments with lights on. Guess the reason , the owners aren’t nocturnal beings, but its because they don’t live there and can’t find people to rent it out. With so many buyers having bought at the peak of the real estate market, the supply is huge and this will keep the rents subdued for a long time to come. And who’s there to guarantee that your tenant is going to treat it the way you do. In the adverse situation you may just be left with upkeep bills larger than your yearly rent.
A risk free investment
This is probably the biggest driver of the real estate as a good investment hypothesis. Google Supertech / Amrapali / Jaypee / Unitech etc. handover / delays / agitations and you would be convinced of how safe your investment would be. Also with the government turning off the tap on the steady flow of black money into the sector, via. black swan events like demonetization and stringent anti tax-evasion laws, the going can only get tough from here on.
Having read the facts above, do you still think that real estate is still a superior investment?? Do let us know your thoughts in the Comments section below.
Is ELSS Suitable after 55?
As one reaches middle age, the general tendency is to start becoming more and more risk averse. This risk averse behavior is well evident in approach of 55 plus people towards investments in equities either directly or through related financial instruments. The popular misconception is that these type of investments are not at all suitable for 55 plus and retired persons. This comes from the widespread notion that equity-backed investments (in any form) are unsuitable for this population because of the underlying volatility and uncertainty in equities. In reality, this misplaced concern, pushes many middle aged people towards making financial decisions, which at best yield average returns that barely able to cover for price inflation.
In general, when one takes inflation and tax liability into account, bank FDs and similar deposits actually generate negative returns that doesn’t even cover the inflation rate and in effect, you lose value. The purchasing power of your money reduces at about the same rate as its value increases in a fixed deposit. The thing to understand here is that, even after retirement, a part of your corpus earmarked to be used after a long-term, around five years or more, should be invested in equity to get inflation beating returns. This article is intended to throw some light on one such equity linked investment option available to Indians – Equity Linked Savings Schemes (ELSSs). And if you have a taxable income, there is no better alternative than an ELSS.
We at Purnaa believe that spreading the word around about such misplaced concerns would help the population at large towards making the right choice. While it’s true that equity related investments are volatile, we do not advocate shutting doors completely. Some of the clear cut advantages of investments in ELSS are listed below:
Cushion against Equity Market Volatility
ELSS is an equity linked investment with a lock in period of 3 years from the date of investment. This protects retail investors from short term market volatility and helps in compounding profits from equity markets.
Tax Savings as 80C Investment Option
Can be considered as an 80C investment option while filing tax returns, thereby helping in tax savings. In Budget 2018, government has levied a 10% long term capital gains tax on earnings from equities and related investments. This means ELSS no longer have the earlier benefits where by the gains were tax free. LTCG would now apply to gains from ELSS like other investments. This is definitely a dampener but we still think this mode of investment would clearly outperform other investment options available to Indians.
Proven Outperformer
Popular Financial Website Value Research has done a research around how a SIP investment in an ELSS fund of an identical amount would have given an investor much higher returns compared to investments in PPF and Nifty. For the sake of parity, average returns of the ELSS category was considered. So, a Rs 1.5 lakh investment every year (making the total invested corpus Rs 30 lakhs) was considered, starting in 1999 and ending in 2018. The return on PPF came out to be Rs. 77.8 lakh, whilst an investment in an ELSS fund would’ve added up to a whopping Rs. 2.3 crore, almost 3 times higher! Whereas, simply investing in the index would have given a decent return of Rs. 1.5 crore, which is almost double the PPF returns. The post-tax returns on ELSS and index fund would be slightly lesser but they would still handsomely beat PPF returns.
For the original Value Research article please click here. This clearly points towards the fact that ELSS are a wonderful way of compounding one’s money over a period of time and therefore worth exploring.
Like all equity investments, the best way of investing in ELSS funds is through monthly SIPs throughout the year. However, a smaller number of evenly spaced investments are also suitable.
10 Tech Must Haves for 50+ age group
Technology has forever transformed the world we live in. The count of 55 plus adults using internet and other related tech devices have risen over the years. However, there’s still a long way to go before we can consider ourselves to be technologically savvy. Hence lets talk about Technology for us.
Today’s Technology for 55 plus in its various avatars has the power to keep the entire population not only active both mentally and physically but also help them engage and connected with the world at large through internet and smart devices. Technology in its various manifestations can also be a great aid. It can help people in taking care of their health, entertainment, financial goals and other such needs. Embracing technology is in the best interest of everyone. Those not adjusting themselves to embrace the change are bound to be left behind in an era of exponential technical advancements across different aspects of life.
Below are 10 Technology Must Haves for 55+ which will improve the overall quality of life immensely.
Embrace Computers in its various manifestations (Smart Phones / Tablets / Desktops)
Adopting and embracing computers in its various avatars like desktops, tablets, smart phones etc. can help transform one’s day to day life. The power of this technology can be gauged from the fact that knowledge of all kinds and form becomes available at the swipe of a finger tip or click of a mouse. From entertainment to health, games to finance, education to photography and much more are now available for people to explore 24×7.
Technology for 55 plus : Wireless internet
Internet is a global computer network providing a variety of information and communication facilities. Access to a wireless network would help seniors remain connected in an increasingly connected world.
Hearing Aids
The continuing miniaturization of all kinds of devices has meant a whole lot of options when it comes to hearing aid related technologies like wireless Bluetooth earphones. Hearing aids can be tiny, transparent, and nearly invisible—or even implanted inside the ear itself. The 55+ population needs to seriously embrace themselves to these types of gadgets for an overall increase in quality of life.
Social Networking
A social networking service (also social networking site, SNS or social media) is an online platform that 55+ population can use to build social networks or social relations with other people who share similar personal or career interests, activities, backgrounds or real-life connections. There are a whole host of applications / platforms which help towards facilitating this, most notable being Facebook, WhatsApp, Twitter, Pinterest and Instagram. Purnaa, through its website Purnaaglobal, plans to bring training programs for members in near future.
Health Gadgets
Technology has helped bring a revolution in personal healthcare. Now people can monitor their blood sugar levels using smart technical gadgets. They can track exercise and food schedules, nutritional needs, set reminders for medicines, measure calories burnt and much more.
e-Games
Technology has transformed the world of gaming. Embracing this wholeheartedly not only helps 55+ community remain engaged and active. It also boosts cognition ability, mental agility, and even physical health, besides promoting social interactions
Chat and Video Communication
Technology has meant that distance and boundaries are no longer a barrier when it comes to communication. The 55+ population who till recently only relied on voice calls to communicate with their near and dear ones residing far away from them, can now embrace video calling tools and platforms to connect live thereby living the firsthand communication experience. Even meetings are conducted over internet these days where people from different locations can attend. Just like real life meetings.
GPS
For those who are concerned about getting lost, or who has dementia and occasionally wanders, GPS technology can immediately alert caregivers to their location if they leave their comfort zone. There are separate GPS trackers that attach to the wrist or clothing, as well as smartphone GPS apps. A great enabler for aged.
Home Assistive Devices
Adopting assistive technology at home can go far in helping people remain independent and safe. Besides home monitoring and GPS, there are devices such as LED lighting, medication dispensing appliances, photo-enhanced phone dialers, smart electric appliances, stove shut-off systems etc., all of which can help those with mild cognitive and motor impairment.
Utility Applications
Embracing and using utility apps on smart phones / tablets can help the 55+ population immensely. Today there are apps right from making digital payments, retaining copies on one’s digital documents in a shared global repository, tracking personal expenses to reading news and blogs, there are e-commerce sites where purchases can be made from the comfort of a home to mechanisms where information can be obtained / shared almost instantly. Being ignorant or illiterate about these technologies would be a hindrance in improve the overall quality of living.
With this we come to the conclusion of this article on Technology for 55 plus. As outlined earlier, technology landscape is evolving everyday. On our part we need to keep pace with this change. Those who do will benefit tremendously in related areas thereby increasing the overall quality of life. Even if a single 55+ person embraces these Technology our effort spent in drafting this article would be worth it. Please let us know your thoughts on this in the comments section below.
The Colors of Wine
Red & White are the colors we commonly know when it comes to colors of wine. But how many of us actually know the true colors of our love? Yes, wine also has its very own Pantone shade card.
A particular color tone of wine tells you its age and a fair idea of its aftertaste, even before you give the bottle a mouth – to – mouth. Well, I can hear the sighs!
As a bottle of wine travels time, the levels of tannin and acid components tend to change, and this determines the colors of wine.
“Ask not what wine has done for you, but rather what you are willing to do for some wine”
Below is a ready reckoner for wine colors. Write to us if you want to know more about wine
DIFFERENT COLORS OF WINE :
Glamour Ageing -Styling Tips for Women
Today we are going to talk about fashion clothing ideas for women who are reaching their Menopause. Have you noticed that in some pictures you look washed out, heavy, old than you actually are? The reason is you are wearing clothes that conflict with your natural beauty. The thing is, younger girls can easily pull off trendy outfits and still look pretty good, but us , the mature ladies have to wear only those outfits what really make them look beautiful (the wrong style will age you fast). So here are some Styling tips for mature young women.
Nevertheless, the most important tip of buying clothes for women is to never say: “I am too old to wear this again!”
Address those “big changes” without fear.
One of the most challenging aspects for women over 55 when it comes to fashion is how to dress for all the changes that are occurring. “Our bodies are in transition. Our lifestyles are changing. We may be becoming empty nesters, divorcing, starting new jobs or just ageing gracefully. ” said Gross.
“As your body is changing, so must your clothes,” she said. You have to learn how to flatter your body without doing a style overhaul.”
And even if you are in the best shape of your life —Gross gives 50-something your body is physiologically changing no matter what, from thinning hair to softer, duller skin with less natural glow.
The key to dealing with the changes and being your best is to refresh your look, said Gross, who is currently working on a book about style over 50.
“Shoes and bags are the quickest way to update your look,” said Gross. “Women over 50 need to learn how to adapt trends that will work for them,” she said.
Most of all you need to learn to not hang onto what worked before. To learn about Styling tips for mature women, you need to focus on “Style evolution” and learn to dress for your new assets.
Cardinal Fashion Sins for Elder Women
There are a few guidelines that will help you look your best:
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- Don’t dress too young. “The worst thing you can do is to dress younger than you are. “It actually makes you look older.”
- Unless you’ve got gams no miniskirts, regardless of how great your legs are.
- Skip baggy clothes and in favor of pieces that give you shape like a line skirts and dresses.
- Try to avoid some of the colors you wore in your 20s (at least not against your face). Softer tones, black and white, navy—are all good options.
- Don’t pick colors from color charts; experiment by trying on different colors when you go shopping. You’ll know it when you see it instantly.
- Trendy is no longer attractive “Don’t worry about the trend of the moment.” Instead, suggests you find a print or a bold piece of jewelry and develop a signature look.
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Quick Fashion and Beauty Styling Tips for mature Women
Aging / Menopause takes its toll on women of a certain age, but its said fashion tricks can camouflage most of these problems; so here are some more Styling tips for elder women:
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- Wrinkled neck: Turtlenecks or turn-up collars, according to Gross, are a great way to cover that area and bring focus to the face. She mentioned Candace Bergen in “Boston Legal” as a good example of making that look work for her. (And Diane Keaton, too!)
- Straight figure short on curves: Add jackets and pieces that will give you shape, she said.
- Thinner hair: “Your hair has to suit you. Get a fresh cut. Shorter hair gives more of a lift and the variety of new products can improve your hairstyle.
- Focus on shoulders and legs: They are the slowest to age. That doesn’t mean wearing miniskirts but you can bring attention to legs with a knee-length skirt and high-heel pumps and sandals.
- Change in coloring: Soft colors — pale pink, white, beige, ice blue — bring light to the face as well.
