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Refirement Network eZine
Submitted by Lynda Smith on Sun, 2010-03-07 20:49.
Refirement Network
Refirement Network - March 2010 Newsletter
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Refirement Social Network
This is a new social network that I have set up for Refirement Network. Please join and invite all other Baby Boomers.
Click to join
Facebook Fan page
Visit us on the web...
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URGENT CALLING RETIRED TEACHERS AND PRINCIPALS.
There is a meeting being called my Gauteng Education Department on 11th March. Please send an email to Lynda Smith for more details: lgsmith@mweb.co.za Please send on this email to any other teachers who you believe may be interested.
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Technology is a great tool to use and certainly helps us be more efficient. I love technology and the many new opportunities that have opened up for me and help me to enjoy life. Things like being able to work virtually and not having to be in an office each day. The fact that even though my children live far away I can use skype and a webcam to chat and connect .The fact that I can learn more about my field and connect with experts anywhere around the world. The challenge with technology is that we as humans still need to bring order and balance into our lives. We make many connections via facebook and twitter but the real relationships need time and attention. It is important to stand back every now and then and take stock of the landscape and ensure that we have the right balance in place.
Navigating your journey into this new phase called REFIREMENT will take time, reflection, reading and discussion. Having someone who can mentor/coach you or just a trusted friend who can listen will help the process. Attending a workshop and working through some tough questions will guide the process. This month I have added a breakdown of the ways in which it is possible for me to help you with coaching. The profiles, face to face or skype calls are all tools that may assist with the process. I am also adding a list of all the talks/workshops that I do. The talks have many applications.
- Company strategy
- Your over 50 employee/spouse
- Your service club or organization
- Your industry event
- Your conference break away
- Church groups for the Baby Boomer market
- Baby Boomer women
Please have a look at the list of talks and feel free to call or email me to discuss. There are a number of events happening in March and April. Please click to EVENTS on the website for more details. The third month of the year is upon us. Time is racing along.
Celebrate and enjoy each day. It is a gift. |
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Refirement Network. Coaching.
Lynda has a passionate love of people and the development of future leaders. She is a master networker, innovator and big picture thinker. Lynda has spent 32 years in business and has a diverse set of skills that include strategy, leadership, marketing, sales, coaching, counseling, facilitation, writing, public speaking and networking.
Lynda is the only accredited coach in South Africa for Retirement Options USA. Lynda started Refirement Network in 2005. She has studied both local and international trends around the Baby Boomer generation (born 1946-1964) and has a broad knowledge and understanding of this subject. This makes her an ideal person to assist with discussion around navigating your own journey.
The following services are available:
Profiles
1. The Retirement Success Profile (RSP) is a scientifically designed assessment tool that identifies personal retirement strengths and concerns for people planning their retirement.
2. The Life Options Program provides a personal, practical, and relevant self-portrait of the overall lifestyle needs of persons who are contemplating a transition from their current full time work into some other lifestyle that they are in the process of designing.
Price: R750.00 per profile or R1400.00 for both. The profile is done online and takes about 30 minutes to complete. On completion of the online profile you will receive a detailed report and a copy of an EBook called The New Retirement.
Coaching
Face to Face : Single Session R1000, Three Sessions R2500, Five Sessions R3750. These are subject to location. Lynda is based close to Gauteng and final contracted amount will depend on discussion and agreed amount. Each session will be one hour.
Online : I use skype for these sessions. Each session is half an hour. This is a great tool to chat about any area of Refirement in your life or company. Single session: R250, Three Sessions: R600, Five Sessions: R900.
All prices exclude vat and need to be paid in full to receive contracted price. All calls are booked in advance here: https://my.timedriver.com/55XJH. Why not try a FREE 15 minute session to ensure that your investment in your life is on the right track? https://my.timedriver.com/CKP3C
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Refirement Network. Talks.
Lynda Smith has a passionate love of people and the development of future leaders. She is a master networker, innovator and big picture thinker. Lynda has spent 32 years in business and has a diverse set of skills that include strategy, leadership, marketing, sales, coaching, counseling, facilitation, writing, public speaking and networking.
Below are lists of topics that may interest you. Discussion around the process/format can be discussed to accommodate your needs.
1. The Next Chapter
Developing a plan for your life beyond 45+ and helping to plot the journey to Refirement.
2. Moving from Work 1.0 to 2.0 and navigating your journey
Discovering why the world of work has changed and helping to develop a talent profile.
3. Don't RETIRE- REFIRE
An overview of why Retirement is an outdated concept for the 21st century.
4. The chickens have left the nest
The children have left home, so now what? Building a life beyond parenting
5. The 21st century world for single women over 50
Helping women to be savvy, strong and connected.
6. Baby Boomer marketing strategy
Helping companies to recognize and market the right message to Boomers.
7. Capacity Building for South Africa
Finding solutions to build our nation, using skills, wisdom and innovation.
8. Baby Boomer Grandparents
Building legacy through stories, play and time
A discussion or meeting with Lynda will help you plan your perfect event
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Submitted by Lynda Smith on Thu, 2010-02-11 15:39.
Refirement Network
Refirement Network - February 2010 Newsletter
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Refirement Social Network
This is a new social network that I have set up for Refirement Network. Please join and invite all other Baby Boomers.
Click to join
Facebook Fan page
Visit us on the web... |
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Many Boomers will identify with the words from a poem/ song called Desiderata. I remember having it on my wall for many years. I came across the words again the other day.
“Beyond a wholesome discipline, be gentle with yourself. You are a child of the universe. No less than the trees and the stars, you have a right to be here. And whether or not it is clear to you, no doubt the universe is unfolding as it should. Be gentle with yourself. No matter what setbacks you face in life, be gentle with yourself. Search for the few strong moments in your life, rally around these few certainties and allow them to guide you out of the valley.”
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The world is fast changing and in conversations, I sense many have a discomfort with the pace of change. This should be a time of life where we celebrate the years of work and look forward to a future filled with hope and clear direction. The future is not clear. This will be one of the constants in the future. We need to learn to live the ride of adventure and manage the challenges we face.
This month’s newsletter has a parable about change. These types of stories are written, tongue in cheek, but have many moments of truth. As you read, watch for your areas of irritation. That may just be a place where you personally need to address a “bend” in the road. The workshops will also help unlock some of these challenges. The dates are listed here: http://www.refirementnetwork.com/events
We start a new series this month where we interview a Baby Boomer who has REFIRED. These stories should inspire and guide you along your own journey. Soccer is the topic of conversation at the moment and I thought it would be appropriate to start with a REFIRED Boomer who has focused on this as his passion and area of impact.
There are two events that may be of interest to you. Peter Block will be doing two day Community workshops around South Africa in March. If you want to understand more about this kind of work or already involved in community, please see this link for more details: http://www.symphonia.net/symphonia_for_south_africa_community_leaders.htm. If you are an entrepreneur, you may be interested in attending Show case your business. Contact me on lgsmith@mweb.co.za or 082 490 2822 for more details.
I have had a number of companies call me specifically looking for Baby Boomers with a certain set of skills. I will list them here. Should you be interested in a specific one, please contact me and we can continue to try and fill the positions. I list these immediately on the Refirement Social network and Facebook Fan page so it is good to also join these two sites to stay connected with this kind of request.
- Accountant for business in Johannesburg
- PA/Marketing position for a licensing business in Randburg
- Occupational Health Nurses (fulltime) with accommodation in Postmasburg. Anglo is building a new mine is this area so there may be more to follow.
- Two month contract for a Radiographer in Postmasburg. URGENT
I hope to see you at one of the Refirement café’s or workshops. Stay in touch.
Kind Regards.
Lynda Smith

Real Life South African examples of Refirement
Case study of John Perlman
http://www.dreamfieldsproject.org/
As you approach your retirement years and think of the kinds of changes you would like to make in your new season of life, it helps to know there are others who have gone before you and succeeded. It helps to know there are others who are enjoying a second career, contributing to society and living a fulfilled life after 60. That there are those in your generation that have not faded quietly into the background to live out their 30+ retirement years relaxing, but rather have decided to make some changes and launch a second career in an area that they feel passionate about. It’s about finding out what you always wanted to do and pursuing this goal in a way that suits the lifestyle you aspire to in your middle-age years...
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The parable of the dinosaur and chameleon
By Lynda Smith
In the late 1940’s and 50’s after the Second World War a whole bunch of babies were born. These babies formed part of a large species called “baby boomers”. They caused a lot of upheaval in the world. Their parents were happy and excited about life after the war. Business was booming and the Americans even put a man on the moon. These children were growing up with a positive attitude and even believed that they could change the world. Schools and universities were built to accommodate this growing group. Radio was the main medium as they grew up. They would lie in bed at night and listen to programs like “squad cars” Television became part of life for some of these children but computers were not part of their vocabulary...
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Workshop. Moving from Work 1.0 to 2.0 and understanding
how to navigate my journey.
I have sensed through many conversations that one of the greatest areas of need is in understanding the concept of work in the 21st century. This workshop will help any person over 45 understand the complex challenges of the 21st century workplace, what options are available and how to navigate the road to planning a new career beyond your current one. It will also be useful for those who have been retrenched or for someone employed who would like to work in a different career when they retire from their current workplace
Dates and venues
Pretoria Friday 26th February, Irene area
Monday 1st March, Bryanston area
Time: 9:00 - 12:00
Cost: R300 per person
Contact: lgsmith@mweb.co.za or 082 490 2822 |
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Submitted by Lynda Smith on Thu, 2010-01-07 16:53.
Refirement Network
Refirement Network - January 2010 Newsletter
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Refirement Social Network
This is a new social network that I have set up for Refirement Network. Please join and invite all other Baby Boomers.
Click to join
Facebook Fan page
Visit us on the web... |
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We are living in fast changing times. The changes are challenging and exciting and many live in fear. I hope that as this important year begins that not only will it be a defining year for South Africa but that you will embrace this year as one of great significance in your personal journey.
I like to re-read some of the important books that have had an impact on my life. I am busy reading SYNCHRONICITY – The inner path of leadership by Joseph Jaworski. An outstanding book for any person wanting to navigate and understand the challenges of personal growth. This world is changing fast and many of the old paradigms are being challenged. The world of work and retirement are two of the major trends that I watch.
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Baby Boomers are now in their late 40’s to early 60’s. We have been given a gift of an extra 10 to 15 years of life compared to previous generations that are in this stage of life. It is one thing to understand and embrace this, but at the same time the question needs to be asked. What will I do with this gift? Many will want to or need to continue to work. Economics is an important question for most of us as we reach what should be the end of our earning years. The paradigm shift is that one does not need to stop earning or working if you do not want to. The challenge is what do I want to do, who am I and how can I stay full of vitality and energy and enjoy what I do? If you are keen to learn more about this we have launched a new workshop called “Moving from work 1.0 to work 2.0 – understanding the changing world of work and how I can find my perfect fit of work and play. Click here for more details of the dates and costs of the workshops.
We have written a new article on this changing world of work. This article in this newsletter will help bring context to the changing trend. Please share this newsletter and article with any person who may be thinking about their retirement, has been retrenched or is unemployed. It will help all these groups as well as women who are planning a new start now that the children have left home.
Under the events section there are also some Refirement Conversation dates for those members who live in Gauteng. Please let me know if you would like to attend either of the sessions. They are free but I will need to organize catering so would appreciate an email if you will be attending. (lgsmith@mweb.co.za)
Here is a quote from Synchronicity “All of us, whether or not we are warriors, have a cubic centimeter of chance that pops out in front of our eyes from time to time. The difference between an average man and a warrior is that the warrior is aware of this, and one of his tasks is to be alert, deliberately waiting so that when his cubic centimeter pops out he has the necessary speed, the prowess to pick it up.” Carlos Castaneda
To be aware and alert takes time. Take time to find out who you are this year. This could be the best decision you ever make.

Discovering the World of Work 2.0
New ways to work
beyond your first career
The world has changed dramatically in the last 20-30 years since the time our parents started retiring, and is totally different from the world that existed in the late 1940s and early 1950s when the concept of retirement was first widely implemented. As people are living longer healthier lives the thought of 3 decades of leisure during retirement is not that appealing, especially to the active, progressive Baby Boomer generation facing retirement in the next 5-10 years.
Baby Boomers
Baby Boomers are a generation like no other that have pioneered new things their whole lives, including growing up in the suburbs, working women, sexual freedom, unmatched prosperity, and are now the first group of adults to enjoy a long healthy, active, non-child bearing season of adult life. Boomers are the group born between 1946 and 1964 who lived their teen years in the 1960s and 70s. Their teen years were full of causes and revolution, witnessing the assassinations of leaders, widespread protests and the development of the civil rights movement. Seeing these events and how the world was not working helped to shape this group into the world changers they are today.
Boomers have a deep desire to make a difference in the world. They also tend to be competitive and ambitious. Boomers have worked hard with passion and commitment during their careers, but are now stopping to inquire about the lasting value of the outcomes they have achieved. Boomers have acquired both prosperity and position as signs of their success. By in large Boomers have not had the discretionary time they would have liked as they have worked so hard for their success and now feel they want time to make a difference to the broader world. Many are looking for meaningful ways to make a contribution in the years ahead and leave a legacy.
How the world has changed
Modern medicine has extended people’s life spans dramatically. While HIV and Aids are wreaking havoc with South Africa’s age expectancies, people living without the disease can expect to live longer than their parent’s generation.
The world has also become ‘flatter’ meaning that the playing field has been levelled as individuals now have more access to opportunities through technological advances such as the personal computer, fibre-optic cabling, and the rise of Windows powered PCs has enabled individuals to create and share content with anyone in the world. Technology has also totally transformed the world of work with work-flow software, supply-chain management, outsourcing and sharing of information enabling broader collaboration on projects.
The fall of the Berlin Wall, the end of the Cold War, the release of Nelson Mandela and the riots at Tiananmen Square in China all occurring within 8-months of 1989 have also resulted in a political change in the world where power has shifted from governments and companies to individuals who now have the power to organise themselves and oppose systems and regimes that don’t abide by accepted norms.
Midlife
The Boomer generation has approached midlife after 30 years of hard work at their careers. They are taking a look around and questioning their lives and their meaning. As their engagement with corporate work declines over the next few years, Boomers will need to decide what to do next. But the good news is that this new season could be a time of liberation and exploration, finding out what you have always wanted to do and having the time, energy and resources to do it.
No other group in history has ever had a non-childrearing period in their adult lives where they are free to pursue their dreams, and healthy and wealthy enough to do so. This is a time to explore and discover the meaningful and productive roles and activities that you would like to pursue in the 20-30 mid-life years ahead of you before resting in your old age – and the options are as diverse as you are.
There are 4 main factors that will impact on your life choices going forward:
1. Prolonged economic activity . Unlike your parents who retired at 65 to rest and relax, you will live a long and healthy life for more than 3 decades still. In addition, critical skills shortages in the work place will mean that you will be useful in the business, NGO and government sectors for many years to come. The skills and knowledge that you have will be essential to the continued success of major economies around the world.
Due to declining birth rates in the developed world over a number of years, there are not enough people to replace the ageing population in these economies causing sever labour shortages. In addition, the lack of specific skills for certain sectors will mean that key skills sets will be in critically short supply.
Essentially, the skills and knowledge that Boomers have will be essential to narrowing the gap between the number of people available to work and the demand for workers, and will provide the demand for your skills in years to come. In addition, research shows that company productivity and customer satisfaction actually goes up as the share of older workers in a company increases. Employers have reported over-55 workers to be harder workers, and more loyal and reliable than their younger counterparts.
2. Flexibility in the way work is done . Advances in technology are totally transforming the way work is done and allowing people to choose what works for them. Boomers will be able to use technology to their advantage by working flexi-time, from home or job-sharing for example. Technology gives us options and Boomers want options in their second half of life.
New trends in collaboration, co-creation and customisation are already affecting how work is done in corporate environments. In addition, certain technologies are making it possible that you don’t need to leave your home to go to work – but only to connect to the world virtually from your personal computer. You don’t even need to work in the day-light hours anymore as new devices enable time-shifting and work to be completed at any time convenient to the worker, from anywhere in the world. You will need to not just become familiar with all these technologies, but understand how they can work for you to enhance your second work-life.
3. Boomers are the first generation in history to have this long period of non-childrearing, healthy, productive adult life with endless possibilities for productivity and impact.
In the US, people born at the turn of the twentieth century lived an average of 47 years, those born in 2003 can look forward to nearly 78 years of live, and this trend of extended life expectancy is found in many developed countries around the world. By 2030, the average life expectancy in most industrial nations could be 100 or more.
4. Positive Boomer-child relationships . Boomers have developed very strong relationships with their children with many shared interests and pursuits. As a result many Boomer parents will choose to live in close proximity to their children in order to share in their life experiences and this will have great bearing on where Boomers choose to live out their mid-life years.
Each person will need to decide for themselves whether or not they want to continue working in some form after their official retirement age. One key thing to note is that research has shown that those who continue to live active working lives after retirement age stay healthier for longer. Working longer in life will also positively affect you financially as you are able to delay the time at which you need to depend on your pension and retirement benefits – enabling them to last longer down the line.
What are the options?
Before deciding which option is best for you, you will need to decide:
- Whether you want to use your existing skills or try something totally new in the second half of your life?
- Do you want to pursue a long-held dream or passion, or fill an immediate need?
- Do you want to stay close to your home and family or travel the world?
- How much time and involvement do you want in your family’s life?
- And of course, how much money do you need?
The answers to these questions will help you decide what is important to you in this next stage of life and armed with these guidelines you will better be able to sort through the options available to you for this next season.
You will also need to consider:
- The amount of time you would like to devote to work in this next season. There will probably be a number of activities that make up your life and time over the next years, including work, learning, volunteer work, family, and leisure time. You will need to decide how much time you want to allocate to work at this time.
- The structure and variety of your ideal work arrangement including whether you prefer working in a highly predictable arrangement, or variable episodic bursts. For example, would you like to work a structured 3 mornings a week, or work full-time for 3 months and then be off for 3 months?
- Your economic reality and the role that finances needs to play in your life, bearing in mind that the longer you are able to engage in some form of paid work life the later you will need to tap into your retirement savings and the less you will need to have saved up for that last stage of life.
- The degree of challenge and difficulty you are willing to take on in your career in your next season of life. Your decision to take on difficult and challenging tasks will probably need to have an accompanied commitment to learning new skills in the years ahead.
- The level of responsibility you are willing to take on in this season of life.
Once armed with the answers to these questions, you will be in a better position to decide which work option is best for you going forward. The options are as unique as you are and can each be tailored to suit your needs and desires for work 2.0.
Here are some of the options for working past your retirement years.
- Continue working in your field of experience for extended period of time, possibly negotiating more preferable terms of employment such as flexi-time, part-time, contract options.
- Branch out into a whole new field that you have always wanted to pursue, which might require additional studying or learning in order to qualify for these new positions.
- Boldly start your own business doing what you have always wanted to do, which could be risky, but very rewarding.
- Leave the corporate world to use your skills to add value to a non-profit or non-governmental organisation working for a cause that is close to your heart.
- Volunteering and giving of your time, skills and experience freely in order to make a difference and leave a legacy be it in volunteering, coaching, mentoring etc.
How companies need to be involved
Over the next 5-10 years relationships between employers and employees will change dramatically as more and more companies transform in order to allow new options of engaging in the world of work to become more common place. Even if it does not seem as though your requests for flexible work conditions will be accommodated today, you need to think creatively about new ways to work and to start negotiating their value with your employer. The Y-generation (born from 1980) will be leading the way in demanding workplace flexibility unlike any generation before. But there is a huge wave of workers discontent with the current workplace situation that are seeking work relationships with companies which allow them the freedom to pursue other activities outside of work.
A recent survey of senior male executives in Fortune 500 companies revealed:
- 84% said they would like job options that allowed them time for things outside of work.
- 55% said they would sacrifice income for time.
- 50% wondered if the sacrifices they had made for their careers had been worth it.
- 73% believe that it is possible to restructure jobs to increase productivity and allow more time for life outside of work.
- 87% believe that companies that make these changes will have a competitive advantage in attracting talent.
- 37% of professional women leave the workforce at some point, and although 93% want to return, only 74% usually do and only 40% to full-time positions.
- The Y-generation is amazed that older workers require so much time to get their work done and are willing to do it in such structured time frames.
Change is on the way and progressive companies are realising that it is time to redesign the relationship between employees and employers, recognising the diversity of people and their individual needs. Company structures will need to accommodate a range of time commitments and transform to be, as organisational consultant Jon Katzenbach said “less like a pyramid and more like a puzzle.”
Companies do not have a choice. In order to attract and retain talent as slow workforce growth tightens labour markets, organisations will need to become willing to handle a variety of employee needs and customise employee deals. Technology allows it, young workers demand it, woman are leaving without it and men are dreaming of it.
Companies need to realise that the growing labour shortage in Western countries coupled with a growing skills shortage in South Africa will have a large impact on South African organisations. The local workforce will not have the optimal mix of educational background, skills and capabilities needed by an emerging economy, especially in knowledge-intensive industries. To continue tapping into the pool of Boomers, with their existing education, skills and experience are the quickest solution to the talent gap facing companies at the moment and into the future.
Companies also need to realise:
- The loyalty and reliability of workers over 50.
- The commitment that Boomers have to the organization.
- That employing Boomers will cause little or no extra expense to the company – even in health care costs. Boomers in their 60s are middle-aged and not old-aged and much healthier than those a decade ago. In addition, older workers have been found to have lower absenteeism than younger workers.
- Statistics have also shown Boomers workers to have higher retention rates, and produce higher customer satisfaction and productivity.
- That employing Boomers decreases the company’s loss of knowledge and wisdom which would leave with Boomers if they were all to retire and leave their organisations.
- That providing flexible work arrangements to staff will significantly lower voluntary turnover and higher productivity as staff feel that the company has acknowledged and granted their unique need.
Balance between work and play
Boomers who have worked in structured corporate environments for their entire career need to change the way they think about work and play. The 8-5 day and 5-day week don’t exist anymore as people are able to work anywhere, anytime. In addition, enjoying leisure activities is no longer limited to weekends and holidays. As you look at branching into a new second career, think about how you can integrate and balance your work and play cycles. One thing to realise is that if you truly love what you do, what you do is not really work but play anyway. But also, if you choose to work at night or on weekends, then there is nothing stopping you from enjoying leisure, family and hobbies during the week days.
Retirement today is not about giving up work and starting to relax but should be more about finding the balance between work and play that you have not been able to achieve during your first career. It is about having the time and freedom to enjoy what you have worked for and to focus on what is important to you, while still making a contribution to the outside world however that works for you.
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Workshop. Moving from Work 1.0 to 2.0 and understanding
how to navigate my journey.

Venue: To be announced - Bryanston area
Date: 20th January 2010
Time: 09h00-12h00 or 18h00-21h00
Bookings: Email Lynda lgsmith@mweb.co.za
Cost R300.00 per person. |
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Submitted by Lynda Smith on Thu, 2009-12-10 09:44.
Refirement Network
Refirement Network - December 2009 Newsletter
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Workshop

Moving from Work 1.0 to 2.0 and understanding how to navigate my journey.
Venue: To be announced - Bryanston area
Date: 20th January 2010
Time: 09h00-12h00 or 18h00-21h00
Bookings: Email Lynda lsmith@mweb.co.za
Cost R300.00 per person.
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Life is a series of crossroads where we have the opportunity to grow, learn and make decisions. At each crossroad, life takes us further depending on the decisions and lessons we have learnt.
We should never stop this process of learning. I hope that this year through the workshops, newsletters and conferences that Refirement Network has helped you to navigate your journey. The Social Network site also allows one the space to explore your own learning and areas of interest with the more than 200 members. If you have not yet joined, this may be a decision for your own journey in 2010. There will also be some conversation groups and new workshops in 2010.
Thank you to those members who took the survey that I had designed. The feedback so far is interesting. I will place the results on the website when I feel there has been enough response to give a balanced view. You can do the survey here: http://www.surveymonkey.com/s/TFSMGMF |
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I am releasing a new workshop in late January 2010. I have sensed through many conversations that one of the greatest areas of need is in understanding the concept of work in the 21 st century. This workshop will help any person over 45 understand the complex challenges of the 21 st century workplace, what options are available and how to navigate the road to planning a new career beyond your current one. It will also be useful for those who have been retrenched or for someone employed who would like to work in a different career when they retire from their current workplace. The title of the workshop is Moving from Work 1.0 to 2.0 and understanding how to navigate my journey.
I am also starting a new pilot project on the Western side of Gauteng. I will hold two conversation sessions for any Baby Boomers interested in attending. These sessions will be free but I would like to know if you will be attending. The objective of the session is to outline my vision for the area in 2010. These sessions will take place at Coffee Shop – Community Ministries Muldersdrift (opposite Drift Inn on Muldersdrift Boulevard). Thursday 14 th from 14h00 to 16h00 and Saturday 23 rd from 09h30 till 11h30.
Helen Grange from The Star did an article on our 3 November conference. Read it in this edition if you were not able to join us on the day.
The Christmas holiday season is about reconnecting with those close to you and spending time making memories. It is also a time to reflect on life and what this means. My wish for you is to help make memories with those you love and to bless those that may not be able to make their own.
Thank you for all the connecting, collaborating and building that you have helped me with this year.
Blessings
Lynda Smith
Did you know that only five in 100 of us will have enough money on which to retire?
According to personal finance consultant Iona Minton, most South Africans will run out of funds long before death and end up dependent on family, friends or charity.
This is because, on average, South Africans are 25 percent underfunded for their retirement, partly due to having spent most of their lives paying off debt.
Minton says South Africans spend, on average, 76 percent of their salaries on debt repayment. "The average South African pays about R2-million in interest over a lifetime, or R4 000 a month over our working lives. We are over-indebted, so for many saving is actually impossible," she says.
Consequently, many people end up with few assets when the time comes to down tools and rest a little.
"I deal with these unfortunate cases all the time, people who've made mistakes that could have been avoided," she says.
And did you know that you will probably need to make your retirement funds stretch quite a lot longer than 20 years? In fact, you may have to plan for 40 years of retirement.
The average age expectancy in the Western world today is 80 or more but, thanks to modern diets and advanced medical care, it is rising. In the US, it is estimated, there will be well over a million people over the age of 100 by the year 2015, compared to only 100 000 in 1980.
From a financial standpoint, the thought scares everyone and no one but the mega wealthy is immune to outliving their means, even if you've been on a pensionable salary with the same company for 45 years.
Minton was addressing a conference organised by the Refirement Network (www.refirementnetwork.com), a resource primarily for "baby boomers" born between 1946 and 1964 looking to ensure financial security in their golden years.
Its brainchild, Lynda Smith, aims to help people keep up to date with trends and ideas that could change their destinies for the better, though her strategies are relevant to every working individual.
Minton says killing debt is the number one strategy in being able to retire comfortably. "Now that interest rates are dropping we should be paying off as much debt as possible to free up cash for saving," she says, adding that experts agree on the need to save at least 15 percent of our pre-tax salaries for 25 years in order to be financially independent in our retirement.
"Financially independent doesn't mean that you're going to retire rich, or be able to go yachting around the world.
"It simply means you'll be able to maintain the same standard of living as you have now," she says.
Meanwhile, the whole concept of retirement needs to be re-examined, it seems.
Minton referred to the book, The New Retirementality, in which Mitch Anthony notes that we often spend our entire lives working in jobs we hate, to accumulate money for retirement, then when we finally get there, we find retirement is a monumental letdown.
He writes: "The whole concept of retirement was a product of the industrial age, where the majority of workers were doing physically exhausting work which they did not particularly enjoy.
"However, today most potential retirees have been trading 'intellectual capital' rather than physical prowess and are quite likely to be in their prime at the age of 65.
"For today's retirees, a retirement spent sipping cocktails and playing golf will no doubt lead to boredom and dissatisfaction.
"More and more, research is showing us that retirement cannot be successful unless you involve yourself in something that is vital and purposeful for you."
In this vein, Lynda Smith works with people to help them define a job or career that ignites their passion, so that they life a happier, more fulfilled life.
Pete Laburn, who runs a strategic change consultancy and lectures at business schools around the world, told the conference that baby boomers needed to access the initiative they have shown all along, and instead of retiring, "rewire and refire".
"The boomers were great innovators. They changed every life stage as they moved into it. Smaller families, feminism, political freedom - all of these things happened under the boomers' watch. We're now 55, with 25 to 30 years left, and still have a lot to offer." The fact is that most boomers don't want to stop working, and it's been found that if you retire at 65, your life expectancy is actually shorter, he says.
In deciding to continue working, however, Laburn warns against "joining the treadmill and trying to run faster", but rather to join forces with Generation X (those born in the 60's and 70's), to share your valuable store of experience and talent while learning from this generation.
"Talent is ageless, and there is a real need for talent and skills out there. I believe that a partnership between boomers and Generation X-ers would be potentially world changing," Laburn says.
To become "Generation X compliant", however, boomers need to understand that the traditional rules of work are no longer relevant, that for the younger generation time is flexible, work is about output rather than hours put in, that you have "associates, not employees".
By fitting in, you could continue being the force of change that defined the boomer generation, he says, and retirement will become what it is - obsolete.
Planning for your retirement
- Get rid of the debt monster. Consider that the interest you would pay on a R400 000 property over 20 years amounts to about R500 000. If you can, pay it off in half that time.
- Be disciplined. Don't raid your savings plan if you need quick access to cash, and have a monthly debit order ensuring that funds get paid over to an investment account.
- See a financial planner. While you may understand the various investment products, how you mix them to form a strategy can be complex.
- Many women believe that somehow they'll be rescued by a prince with deep pockets. A big mistake. All women should live their lives as if they will always be single, and never give up on the ability and desire to work.
- Take a long term view. It takes time to build up capital to a point where it starts to compound. Get a good strategy and stick to it.
- Have a three month emergency fund (equivalent of three months' salary). This will insulate you from financial emergencies such as job loss or a car accident.
- Don't stint on medical aid, car and house insurance.
Retiring makes you 10 years younger
- Giving up work makes you instantly feel 10 years younger, a study by a Swedish and French team claims.
- Physical illness and mental pressures melt away with the end of work and the benefits last a decade, research shows.
- The joys of retirement apply equally to boardroom bosses and those on the shop floor, according to the 14-year study.
- Researchers found that the more demanding the job, the more significant the improvements on retirement.
- Backache and neck pain often disappear, as well as depression, asthma and the risk of a stress-induced stroke.
- The positive effects work for women as well as men and regardless of whether retirees are married or not. - Daily Mail
This article was originally published on page 13 of The Star on November 13, 2009 |
Refirement Social Network
This is a new social network that I have set up for Refirement Network. Please join and invite all other Baby Boomers.
Click to join |
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Submitted by Lynda Smith on Tue, 2009-10-20 13:53.
Refirement Network
Refirement Network - October 2009 Newsletter
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Workshop 21st Century Retirement
Hosted by Refirement Network
The world has changed. Retirement has changed. We are the first generation of people ever in the history of the world who will walk into a new adventure in this life stage if we are prepared. Join us for the morning to listen to four great speakers help companies and individuals to understand this trend and build a framework for the future.
Venue: Bryanston Country Club
Date: 3 November 2009
Time: 07h30 till 12h30
Bookings: Lynda 082 490 2822 / Lynda@refirementnetwork.com
Cost R550.00 per person.
Click here for more... |
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Dear Fellow Boomers,
The year is almost over and as I reflect on the pace of life and change I am conscious of trying to focus and to be sure about what is important in my life. If we do not know who we are and where we are going, there is enough distraction and manipulation to take us down many other paths. Our generation has been given the gift of an extra ten to twenty healthy years compared to previous generations. This is because of medical technology, improved education and less physical work. We help our children plan their career path but what are we doing to plan this new path that we will navigate?
The event on 3rd November is important for many different groups of people. We do this event once a year for the general public. The speakers are world-class. Consider attending if any of these statements apply to you.
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- You are part of the strategic team of a company that has a baby boomer employee
base or client base.
- You are involved in the Human Resource Development field, especially employee
benefits and wellness.
- You are in the financial services industry and have baby boomer clients.
- You are in the recruitment industry and looking for talent and innovative solutions.
- You are concerned about the loss of wisdom in your organization.
- You are a baby boomer and fear or in denial about your future.
- You desire to find a new job/career and not sure where the opportunities are.
- You are interested in finding out more about the retirement framework for South Africa.
- You are in debt and need to work beyond your formal retirement.
The article this month is about understanding the process we use to help companies understand why wisdom is a complex skill to transfer. We believe that as a team we have discovered ways to help companies deal with this process. If this article is of interest to you, please connect with me to discuss how we can assist. I have just completed by year of study at Gordon Institute of Business Science. I did a Certificate in Social Entrepreneurship. I would like to close with the vision statement on my certificate.
“We have a responsibility in our time, as others have had in theirs, not to be prisoners of history but to shape history, a responsibility to fill the role of path-finder, and to build with others a global network of purpose”
Lynda Smith
A story to begin with…
We once worked with an earth-moving equipment company. Hennie, the bloke who ran the rebuild workshop, was a legend in the industry. With decades of experience in rebuilding yellow equipment, he was revered for his ability to diagnose problems in the most peculiar manner. A loader would be wheeled into the workshop to be diagnosed prior to being rebuilt and the younger mechanics would grab their trolleys filled with the latest set of diagnostic equipment and begin connecting the loader to run their software programmes. Hennie would scoff at these newbies and tell one of them to switch the ignition on. The engine would roar to life and Hennie would side up to the machine, turn his ear to the engine block and listen intently ... with an intent look on his face like he'd just stuck a stethoscope onto the chest of a sick patient. Hennie would listen for a minute, while the newbies were still trying to start their programmes. He would then look up and shout across the workshop, "The crankshaft is worn!", leaving the newbie mechanics at an absolute loss for words.
Over the span of his career Hennie has developed an art of listening to the sound an engine made to diagnose the problems with the internal mechanisms. His "gut feel" knowledge and wisdom is rare in the industry and there are similar folk like him in many industries: finance, engineering, construction, marketing. They are however becoming fewer and fewer.
Wisdom continuity …
One of the key challenges faced by businesses today is being able to fast-track the development of a new breed of employees; new recruits who are incredibly bright, but lack the experience and "gut feel" required to make good decisions in their industry. As such, wisdom continuity is a capability organisations need to master in order to stay in business.
Practical suggestions …
Here are some practical suggestions on how to begin the process:
1. Identify the group of people who you'd classify as the "grey-beards"
2. Take a narrative approach: people do not like capturing technical knowledge in reports, but they love to tell stories!
3. Take a holistic approach to capturing their knowledge by utilising the HARNESS framework. For each story they tell you about an instance where they applied or gained knowledge ask the following:
- Which Heuristics (or rules of thumb) were used? - Which Artefacts (any source of external/codified knowledge e.g. books, web sites) were useful? - Did you draw on any Relationships to assist you? - Do you think that you possess a Natural Ability that you relied on in this instance? - Which Experiences did you draw on (experience can't be taught, they need to be lived)? - Which Skills were required (skills are things that can be taught to others)? - Were there any Stories that you remembered hearing that you applied in this context?
4. Once you've extracted the HARNESS elements, collate them in a logical fashion and find contextually relevant and novel ways to disseminate them back into the environment. Narrative databases, simulations and games are some ideas to keep in mind.
We've just completed a similar process in the Credit Division of a large bank with excellent results. Feel free to contact us if you have questions, or if you need consultation in this regard.
This article was written by Narrative Lab. Go to www.narrativelab.co.za for more details.
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Submitted by Lynda Smith on Fri, 2009-09-04 14:11.
Refirement Network
Refirement Network - September 2009 Newsletter
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Workshop Your Next Chapter
The Baby Boomer generation will not retire like previous generations. We will be navigating a new path. Come and discover the opportunities and build a new exciting journey for your future.
Date: 23 September 2009
Time: 08h30 till 12h30
Venue: To be announced, Johannesburg
Bookings: Lynda Smith on 082 490 2822
Price: R400
Click here for more...
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Workshop 85 Broads
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You're invited to join 85 Broads, a network of 20,000 trailblazing women who are inspired, empowered and connected globaly. |
Date: 29 September 2009
Time: 07h30 for 08h00 till 10h00
Venue: Balaliaka Hotel, Village Manor Room, Ground Floor, 20 Maude Str, Sandton
RSVP: 0843539865 or 0836422703
Price: R250 members, R295 non-members
Click here to view the brochure...
Click here for more info on our site... |
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Dear Fellow Boomers,
The Dinokeng Scenarios has been launched across South Africa in the past two months. A group of leading South Africans has come up with three scenarios for our future leading up to 2020. Seeds of all three scenarios exist presently and it will take conversations, understanding and commitment to reach the scenario of WALK TOGETHER. Dinokeng is “a place of rivers”…. All our pasts have flowed together to meet at this place and time, and all our futures will flow from here. Go to www.dinokengscenarios.co.za for more details. I have trained as a facilitator as I feel Refirement Network can play a leading role in helping to bring people together. Please feel free to connect with me if you would like me to facilitate a talk for your organization or company.
I have two more work opportunities for interested, skilled Boomers. An NGO on the East Rand is looking for a call centre operator for cancer survivors. They are looking for someone who has survived cancer or involved with someone who has had cancer. The job can be shared by two different individuals who only want to work two and half days each a week. The person applying must be computer literate.
The second opportunity is for two occupational health nurses and one occupational health doctor for a mining group in the Northern Cape. These positions come with housing. If you want more information or want to send through your CV please send to Lynda@refirementnetwork.com
We will be holding a REFIREMENT CONFERENCE on the 3rd November. We have four outstanding speakers as well as a great breakfast. This event will be a sell out so please do not delay in booking for the event. See attached detail in this newsletter.
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Phased Retirement is still very new. Are companies here prepared for this approach? Are you open to negotiate a different package for yourself? The article attached may help you to learn more about this process. We live in a world where you need to plan and manage your own destiny.
I am off to Thailand this week for the birth of my second grandchild. May you be blessed in all that you do and those that you impact?
Warm Regards
Lynda Smith
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Workshop 21st Century Retirement
Hosted by Refirement Network
The world has changed. Retirement has changed. We are the first generation of people ever in the history of the world who will walk into a new adventure in this life stage if we are prepared.
Join us for the morning to listen to four great speakers help companies and individuals to understand this trend and build a framework for the future.
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Venue: Bryanston Country Club
Date: 3 November 2009
Time: 07h30 till 12h30
Bookings: Lynda 082 490 2822 / Lynda@refirementnetwork.com
Cost R550.00 per person. |
Click here for more... |
| Phased in Retirement |
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| Tools to help an organization or individual look at this scenario. |
The July 3rd issue of The Economist sported an illuminating analysis of the impact of aging on the economies of the world. It's chock-full of recent stats on aging and offers a panoramic overview of the fact that the "graying of the world" will indeed change the world in ways far more dramatic than any other influence currently on the demographic "radar screen."
Click here for more... |
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Submitted by Lynda Smith on Sun, 2009-07-05 20:52.
Refirement Network
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| Refirement eZine
July 2009
The death of Michael Jackson has caused global reaction around the world. I was surprised when they mentioned that he was 50 as I always assumed his age was more in line with my children than my own. Our ideas and frameworks about how the world operates are formed when we are in our formative stage of life (the first 10 years). Most of our children grew up hearing Michael Jackson’s music and hence the reason he is an X generation icon and not a Boomer icon. The second thought for me is that this hugely talented man led such a sad life. What needs to happen for us to value who we are and use our God-given talents and make the most of life around us?
I have been in Europe for the past two weeks visiting friends and family. The recession is evident on the streets of London. There is much talk about working longer and re-thinking retirement. The real challenge is to try and manage this process taking into account what you want out of life and to ensure that you map your own future. To do this you need to ask yourself some real questions and know who you are and where you are going. It is always a good idea to attend a workshop that may help you on this journey. See this newsletter for the NEXT CHAPTER workshop that will help with that process.
The other two workshops on offer at the moment are for grandfathers and those interested in improving their social media skills. Please read more details if these may be of interest to you.
I have been requested to look for 6 specialists in the engineering/manufacturing sector who may be able to help with a project of benchmarking in the steel and foundry sector. These will be spread out countrywide mainly in the areas around South Africa where these industries operate. Please send me the names of anyone who may be interested in a project of this nature.
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Enjoy the latest article written by Pete Laburn.
I was privileged to attend his week-long leadership course called Ubuholi Nobuntu - Leading with Humanity this past month. It has opened my eyes to the wonder and beauty of our nation and the tasks that need to be addressed at a leadership level to help bring about change in our nation. I challenge you to question how you are using your skill set to help with this process. We live in a beautiful part of the planet, filled with diverse groups of interesting people, many who may need the hand of a willing experienced person to help them reach their own destination. Why not question this in your life? We all have skills and can help. This needs to be done with understanding of humanity and an open heart willing to walk the journey with another human being.
Warm Regards
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Boomers could cushion the effects of the global skills crisis
Pete Laburn
Countries such as the US, UK, Europe, India, China, South East Asia and Australia have
all reported a worsening shortage of qualified personnel including engineers, health care
professionals, information technology workers and tradesman. By 2012 two-thirds of the
maths and science teachers in Western countries are scheduled for retirement, and as
close as 2010 the US is reported to be short of 6-million talent workers, including more
than 85 000 physicians.
The problem will worsen by 2020 when 70-million Baby Boomers will have exited the
work force – and been replaced by only 40 mill Gen X and Millennial generation workers.
A recent Indian Management Association study suggests the global skills shortage to
have reached between 32 – 39 million talented workers by 2020, with the US short 17-
million workers, Japan short 9-million workers and Germany, France and the UK each
short 2-million talent workers by 2020.
Closer to home, South Africa’s own mining, engineering and construction sectors, which
are experiencing astronomical growth due to high commodity prices and large scale
infrastructure development, are limited in their growth prospects due to a lack of
technical skills. In addition, leading specialists in the field are saying that SA has a vast
shortage of municipal civil engineers, which is putting our water supplies at risk.
Municipalities are employing junior or inexperienced engineers as there are not enough
experienced engineers available.
Another factor which is exasperating the situation is that there just is not enough young
talent coming into the market to replace the Boomer generation as they retire. This is
due to the declining birth rates experienced in Europe over the last 30 years.
These are just some of the examples which highlight the large scale skills shortage
facing the world as countries strive to develop and advance. But while most companies
compete to attract, retain and excite new young talent in order to take their businesses
forward, they should not overlook the Baby Boomer generation (born between the late
40’s and the late 60’s) as a vital component which could cushion the impact on
companies and markets against the full negative impact of the global skills shortage.
Boomers have skills, knowledge and technical ability that are still hugely needed, and
institutional wisdom gleaned over many years of experience. These are assets that
companies can utilise during these difficult market times, and that Boomers can provide
well past their retirement date. Boomers have always dreamed big and have
demonstrated the resolve to work very hard at what they believe in. These are excellent
attributes which could be vital to the survival of many corporates as they enlist the
services of Baby Boomers with their vast experience to help mentor and train tomorrow’s
leaders.
While Boomers could be a vital component of any future business strategy to deal with
the imminent skills shortage, companies need to be aware that Baby Boomers as a
whole are finding the corporate world becoming more complex, demanding and frankly
less pleasurable than it used to be. Many are tired of playing to corporate rules and
interminable management meetings. Furthermore they are frustrated at having to work
with a new generation of young highly mobile staff with little loyalty to the organisations
causes, who do as they please and still seem to be in even greater demand.
Organisations have a new generation of young talented managers, who have
qualifications but not always the experience and institutional wisdom of the Boomers,
who have the skills and could mentor younger talent.
It is for this reason that companies hoping to enlist the services of Baby Boomers in the
years to come should be flexible in allowing Boomers to contribute and provide their
services on their own terms. Boomers need to be released, but not lost. This could mean
working flexi-hours, or on a contract basis, which could further decrease costs to the
company as they would constitute a variable cost to the company.
Boomers, have worked hard and contributed much. Now is the time for them to leave a
legacy. Its time for organisations to let them disengage from the formal corporate world,
but encourage them to transfer their knowledge and abilities back to a skills short world.
The skills and abilities they love using must drive them, not doggedly hanging on to their
turf as they wait for retirement, frustrated at having to do the very things they don’t enjoy,
but have to.
So Boomers and organizations need to consider a ReFire strategy. Boomers have
another 15 – 30 years of working life left, but not in its current form. Organisations have
huge skills shortages. Jointly they must create opportunities for Boomers to reinvent
themselves and their careers, and maybe our looming skills shortage will not be as
severe. Similarly ‘ReFire’ offers organisations innovative solutions to unlock the
blockages in senior ranks caused by change resistant Boomers, and the simultaneous
concern over loss of skills and knowledge. The challenge is to ‘let Boomers go, but
simultaneously keep them’.
A proactive, big thinking approach is needed where organisations need to create a
climate of understanding and support for 50-plus Boomers. Similarly Boomers need to
signal to the organisation their willingness to retire themselves from formal employment,
and become a variable source of skills, knowledge and wisdom, at a variable cost to the
organisation.
Pete Laburn is an international strategy consultant based in Johannesburg, South Africa
petelaburn@iafrica.com
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Workshop
Your Next Chapter

The Baby Boomer generation will not retire like previous generations. We will be navigating a new path. Come and discover the opportunities and build a new exciting journey for your future. This workshop is for all men and women over 50 and will be 4 hours long.
Date: 11 Aug (Dam), 22 July (JHB) and 6 Aug (PTA)
Time: 08h30 till 12h30
Venue: To be announced
Bookings: Lynda Smith on 082 490 2822
Price: R400
Outcomes that you will take home with you:
Notes and Challenges to help you.
Why is this stage different for our generation?
Discover who you are and what your dreams are.
What career opportunities exist for you?
How can I upgrade my technology skills?
Draw up an action plan.
Build new connections and contacts to help you navigate your future.
The workshops will be kept small to facilitate discussion and learning.Book early to avoid disappointment. This process can be booked as an internal workshop for companies wanting to educate their over 50 employees. |
Submitted by Lynda Smith on Wed, 2009-05-20 10:17.
Refirement Network
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| Refirement eZine
May 2009
Who I am, should guide me in what I do.
This looks like such a simple statement but most of us know that this is a life journey of discovery and can be exciting and challenging if we will open ourselves up to the possibilities.
Most Baby Boomers live in a world of what I do defines who I am. At the stage in life when you are leaving your formal workplace or starting to ask some questions about your future this kind of context brings many challenges and problems.
It is critical to ask yourself these questions and try and understand the world outside of your current work context a few years before the formal retirement party. For many in the current economic climate the timing comes much sooner than planned and this can cause much emotional turmoil and uncertainty.
Some of the offerings within Refirement Network that can help this dilemma are the online profiles tests, Next Chapter Workshops and one- on- one coaching. Please connect with me at lgsmith@mweb.co.za if you need more information or visit the “What we do section” of the website.
One of the ways you can grow is to volunteer some time in an area that may interest you beyond formal retirement. A simple option that has just emerged is the Heartlines Mentors Program. Please read my article on this subject in this newsletter.
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We now have more than 130 Baby Boomers on the Refirement Social Site. The article written by Social Media IQ explains why this is becoming an important trend and tool. Why not join and connect and learn with us?
The elections are behind us, we are hearing a vision of a country that will grow and work together over the next five years. Baby Boomers will play an important part in that history. Join my network, encourage your friends to join and ensure that your skills are listed on the Refirement Network. Have a great month.

Refirement Social Network
This is a new social network that I have set up for Refirement Network. Please join and invite all other Baby Boomers. Click to join |
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Heartlines Mentors
Many of us want to mentor and are not sure what to do and how to go about it. There is much formal mentoring going on but Heartlines have come up with a great concept that allows ordinary South Africans to mentor someone they know or would like to approach.
Mentoring young people is a powerful way to change society for the better - one person at a time. It helps to build trust, understanding and shared values that bring people together to take collective action for good.
Traditionally in South Africa, young people were surrounded by caring adults in their families and communities who helped them to become responsible adults. In modern times, there is a lot more strain on families and communities, and many young people do not have the support they need to make positive and healthy choices.
Mentoring a young person means sharing their life - spending regular time with them, learning about their hopes and dreams, building their self-confidence, listening to their listening to their stories and challenges, expanding their sense of what is possible for their lives.
This is what you will receive when you have registered and been approved by filling in the application form and agreeing to the code of conduct.
- Regularly updated information about mentoring on this section of the for good website
- A Mentorship ‘Starterpack’ for people who successfully apply to be a HEARTLINES Mentor. This mentoring resource consists of a book, a DVD and access to a Mentor Helpline
- Access to a social networking platform where HEARTLINES Mentors can share their experiences.
To join or find out more go to: www.forgood.co.za, register and then click on the Mentoring tab. If you are not connected to the internet you can sms the word “mentor” to 33250.
Go out there and make a difference to ONE LIFE. It may change your as well.
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Social Media
Communication is the life blood of any relationship whether personal or in business. The better we communicate the better our lives. |
Think of the incredible impact the telephone has had on the way we interact with each other! Today it would not be practical (or wise) to be without a phone. It allows us to stay in touch with those that matter to us. The internet is continuing to have a similar impact on how we communicate with each other. Today just over 2 billion people are using the internet every day. With the arrival of the Seacom cable to Africa another billion people are expected to join the “Net Generation”, meaning that half the world’s population will have access to the internet and each other.
This technology is driving change like never before, just like the telephone did in its time. It has become the backbone of our world and the recent advances in communication tools on the internet are beginning to overshadow the telephone! Keeping up with the advances in this particular field is very important, as those who don’t may soon find themselves in a situation similar to being without a telephone!
The internet has evolved from a place where you simply did research, to a place where the world communicates. 2009 has been the year of Social Media and there is every indication that social media will change the world forever. Sites like Facebook, Twitter and YouTube are having a massive impact on how information is created and shared.
What is social media exactly? Perhaps the best definition is: content that is being created by the internet’s audience, namely you and I. It’s about conversations flowing in all directions, similar to a family gathered around a table for dinner. Everyone has a voice in this new world, which is extremely important as we are no longer dictated to by a company, a newspaper editor, or TV news broadcast. In fact, these are now considered Old Media.
Here are three social networks not to ignore and the reasons why:
Facebook: Now racing ahead with just over 200 million active users. This is a platform that you can use as both your personal and business online “home.” It’s a safe, convenient way to connect to family, friends and business associates all in one place. This network will continue to define the way we connect to those we care, whether separated by distance or not.
Twitter: This network is experiencing staggering growth. Its members grew by 76.8% from February 09 to March 09! This will soon reach the 100 million mark. This network is a simple, fast way to learn about the world around you. In fact we are at a point now where your voice and what you have to say is as powerful as an entire news network! Twitter has dramatically changed the way we get the latest information on any topic at any time.
Ning: These networks allow groups of like-minded individuals to come together in one place on the internet to share information on topics that are of interest to the group. The Refirement Network is a good example of this. This is a safe place to ask questions, share insights and learn from others. The collective knowledge and experience available on a network like this is truly staggering.
In order to stay relevant as an individual and as a business there are two very important steps to take. First, would be to gain a basic understanding of the technicalities of these networks (i.e. how to use each network) and secondly how to use each network effectively so that you and the network you are on can receive maximum benefit from your presence there.
This article was compiled by Social Media IQ who conduct wonderful practical workshops.
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Submitted by Roger Saner on Tue, 2009-04-07 21:55.
Refirement Network
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| Refirement eZine
April 2009
Dear Boomers,
This is an important month for each South African as we go to the polls on 22 April. I believe we should all take this opportunity to think very carefully about the future of our beautiful country and what we will do to help bring about positive change. I have added a great article by my good friend Pete Laburn this month on this subject.
Are you a female Boomer who has been out of the workforce for sometime? (or know of anyone like this) . I am embarking on a survey with Business Women’s’ Association to try and discover how we can help this group re-skill and enter the job market. Please email me on lgsmith@mweb.co.za if you are interested in being involved in this online survey?
I have also been asked to find someone to do a 6 month fulltime contract in the Linbro Park area. It is in the Conference and Travel industry and will require general administration skills. Please email me if you want more details.
I have now run two Next Chapter workshops in Johannesburg and I know that the delegates all benefited from the interaction and learning. I will be running another one in early May, please let me know if you are keen to attend.( dates to be confirmed)
I read a great blog the other day and have included it in the newsletter this month (with permission from the author) The questions he is asking are great reflection statements to help us discover and fine tune our journey towards REFIREMENT. Enjoy.
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I have spent the last three weeks enjoying a family visit and again am reminded on how different our journey is compared to previous generations. Family living all over the planet brings new challenges that we need to address as part of our journey. Joining a site to do this may help you to get answers to some of these challenges.
Join the Refirement Social Network and share your own experiences. Have a blessed month and make sure you vote on 22 nd April.

Refirement Social Network
This is a new social network that I have set up for Refirement Network. Please join and invite all other Baby Boomers. Click to join |
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The Road Less Traveled by Harold Frick
This week I will be in Palm Coast with my son, daughter in law, and grandsons. In addition to spending time with my family, this is also a good time to think about my life, my plans for the future and also spend time to reach out to people in my network.
In this fast paced world, we need to take time to see where we have been, where we are going, where we want to go, and who is important to us. Being raised in the Midwest, I have always been a workaholic. When I was younger I rarely reflected. Now I realize how important reflection is for my health, my outlook, my business and my life.
Here are some things I am evaluating. This is a continuous process so I come back to many of these things again and again:
As a young man starting out in the world:
1. What did I stand for?
2. What did I want to be?
3. What impact did I want to make?
4. What were my passions
5. What did I think I needed to improve then?
6. Who were my friends? My mentors?
7. What did I do right and wrong in my first jobs?
8. What were my hobbies, my avocations?
9. What was I reading then?
10 Was I balanced? If so why? If not, why not?
11. What were my spiritual feelings?
As I progressed in my life:
1. What things did I discard? Why?
2. What new things did I embrace? Why?
3. What friends and mentors did I discard? Why?
4. What friends and mentors did I embrace? What new friends and mentors did I make?
5. What were my biggest accomplishments? What did I learn?
6. What were my biggest failures? What did I learn?
7. Was I balanced? If so,why? If not, why not?
8. What were my spiritual feelings?
These are not one answer questions, but drill down questions-perhaps lifelong questions.
Why do this?
1. I want to make sure that I have not strayed away from my core values and moral compass
2. I want to revisit old passions, avocations, and goals, to see if I should "try them on" again
3. What actions and directions should I take on?
4. If I retire tomorrow, or if I only have 5 years to live, what things are important? And what things would I do.
I think of Frost Poem, The Road Not Traveled:
I shall be telling this with a sigh
Somewhere ages and ages hence
Two roads diverged in a wood
And I took the one less traveled by
And that has made all the difference
We are faced daily with taking one of many roads. We discard some things, and embrace others. Those decisions change our lives. We can, however, look back and reflect and perhaps find new paths that take us to some of the roads we could have taken. In ways it is a second chance.
Posted by Harold "Butch" Frick
http://hfrickjr.blogspot.com
What is our common purpose - where are our values ?
South Africa’s National Strategy has no backbone
Why is Barak Obama such a breath of fresh air? It is because he is not behaving like a politician, but is bringing in a new way of thinking and doing things that is giving people hope in the political system and its ability to bring about change. Amid the partisanship and bickering of today’s public debate, he believes in the ability to unite people around a politics of purpose - a politics that puts solving the challenges of everyday Americans ahead of partisan calculation and political gain. He is leaving behind all back biting and has a genuine respect for the outgoing administration and his opposition. Since his days in the Illinois State Senate he has been working with both Democrats and Republicans to help solve the problems faced by working families, and now as the US president he has brought in many members of the opposition to serve with him on his leadership team, in order to make up the best possible team to take on the challenges his nation is facing at present. Not least of which is Democratic presidential rival Hillary Clinton, who Obama has put in charge of US foreign policy as the Secretary of State. The way he is behaving as a politician is unheard of, and it is utterly delightful.
In addition, it would seem that Barak Obama is focusing on all that unites Americans together in an effort to mobilise them behind a joint vision and strategy to deal with the challenges they now face as a nation. He has cast a vision that the majority of Americans believe in and they have hope again for the future. This is exactly what is needed in order to build a nation. People need to focus on what they agree on and work together to make a difference.
He is a true example of unconstrained leadership. This type of leadership looks at the negative circumstances around us, and then gets involved in asking what can I do to contribute, what is the ideal or right response to the challenges we face? The right response is not determined by personal agendas, but rather by what is right for the whole, for the nation, society or organisation as a whole. This is the type of leadership that is so desperately needed on our own African continent. We have seen glimpses of it in Botswana’s former president Festus Mogae, a man who has been heralded for his impeccable example of African leadership and has helped to create a nation marked by peace, economic growth and the containment of HIV/Aids. Mogae, 69, stepped down 8 months before the end of his term of office and handed over power to his successor in a smooth transition otherwise unknown in Southern Africa, and in stark contrast to the political turmoil in neighbouring Zimbabwe.
It would seem that our own country South Africa’s current political situation, marked by law suits and public backbiting, also stands in stark contrast to this wonderful example of African leadership and the new administration entering US political office. There are ongoing law suits between the country’s potential president, the previous president and what is supposed to be an independent organ of state, the National Prosecuting Authority. Our own ruling party has done all it can to bring the new political party COPE into disrepute, and many of its members have been accused of interrupting other party meetings and events. Instead of working together, political parties are only involved in bringing one another down. Party agendas are placed ahead of national agendas and priorities resulting in a lack of delivery.
An additional problem with South Africa’s political system is the absolute lack of divisions of power between the ruling majority party, government, and the state. This again has resulted in party specific issues being dealt with and not necessarily the most pressing issues for the country as a whole. Government organs, as well as the state, are instruments of the ruling party to fulfil their wishes and not necessarily those of the country as a whole. A case in point is our current President Kgalema Motlanthe who is often challenged by the ruling party for not towing the party line.
Where is our nations shared vision that we can all unite behind? I would suggest that our greatest problem is that we do not have a shared purpose or set of values. As we have opted not to have an official religion, it becomes even more important to have a value system that we all share. Even a diverse society such as our own needs a common purpose to work towards and set of values to guide it. Every successful organisation, let alone country, is bound by a certain set of stated values. Purpose and values are the axils that hold a society together. They are the constants that should guide us through this turbulent and complex world, keeping us focused on what is important to us. Without a shared set of common purpose and values we are a nation tossed around by every situation that we come across.
This was not the case during 1994 when South Africa, on the brink of civil war, joined together to peacefully cast our votes and usher in a new democracy. We were lead at the time by a visionary Nelson Mandela, who showed us how to overlook our differences and embrace our commonalities as members of a rainbow nation. It was a time of hope and peace brought about by a country’s shared purpose of building a new peaceful democratic society and guided by the values of justice, equality and liberty for all. But times have changed and the years of former President Thabo Mbeki’s stoic leadership style of divide and control, have taken their toll on our nations sense of unity and focus.
In addition, a sense of disappointment has permeated the nation, as what was promised by government has not been achieved. Government’s own policy of Black Economic Empowerment has severely inhibited her ability to deliver on her promises, as large numbers of talented, trained black professionals have been lured into the private sector, leaving the public sector without the capacity to achieve its goals. Examples of governments’ failure to deliver include the health care sector, education, water and electricity sectors, local government with issues of sanitation etc. and the provision of housing for all.
While government has been coming up with some impressive strategies and scenarios to deal with our countries challenges, the only strategy an organisation or nation is able to implement is that which they are capable of delivering, and have the capacity to implement. As a result, many of the impressive plans thought up by government are not implemented and the money allocated to projects is not spent, especially at provincial and local government level. Hence we have a public sector that moves from the management of one crisis to the other, and a disillusioned and frustrated civil society that is tired of waiting for delivery of what it was promised nearly 15 years ago.
As with the United States, we too are a country entering a new era of political change in globally turbulent times. We too have the opportunity to change things for the better by uniting behind a common purpose and set of values, and all working to make things better. This can only happen with good strong leadership at the helm of this country, casting a common vision for the nation to follow, and steering it through these turbulent times. We need someone honest enough to speak the truth about where South Africa is, even if it isn’t pretty, and we need someone that South Africans can trust to lead them forward. We need a national common purpose and set of values to rally behind and a comprehensive strategy, with the corresponding capacity, to bring about change and make things better.
Unfortunately, during uncertain times, the majority of people take what they can get and just focus on taking care of their own. This is not the attitude we need to have as South Africans at this time. We are in need of a leader who will convince people of the hope for this country and the future, and that he will not act out of his own agenda’s or even that of his political party, but of the nation as a whole.
Even before he took office, Barak Obama worked with his economic team and leaders of both political parties on an American Recovery and Reinvestment Plan. Faced with an economic crisis unlike any we have seen in our lifetime, and having lost 2,6-million American jobs during 2008, Barak Obama is honest enough to speak the harsh truth of the current situation, but also takes the time to cast vision and inspire hope for the future. In January 2009 Barak Obama addressed the American people regarding the grim economic situation facing that nation at present. He said “We have come through moments like this before. We are the nation that has faced down war, depression and fear itself – each time, refusing to yield or accept a lesser fate. This is the spirit that has always sustained us – that belief that our destiny is not written for us, but by us, that our success is not a matter of chance, but of our own courage and determination. Our resources may be finite, but our will is infinite. And I am confident that if we come together and summon that great American spirit once again, we will meet the challenges of our time and write the next great chapter of our American story.”
South African is in need of leaders with character, honesty, courage and vision to lead us through the writing of our next chapter as a nation. We too, have gone through dark times, coming out victorious on the other side. But we need leadership, strategy and capacity in order to take us on into our future. Lets hope our leaders take a few feathers out of Barak Obama’s cap before its too late.
January 2009 / pjl Pete Laburn is an international strategy consultant based in Johannesburg, South Africa
petelaburn@iafrica.com
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Submitted by Lynda Smith on Mon, 2009-03-02 01:09.
Refirement Network
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Refirement eZine
March 2009
Dear Refirement Network members,
The third month of the year has come about so fast. I still felt relaxed and on holiday in January but the year seems to be taking its’ usual increase in pace and responsibility as time passes.
The economic crisis globally must be having an affect on many of us. Your retirement savings may have diminished over night, you may be facing early retirement or retrenchment and the world in 2009 does not seem like a happy place to many. This may be a good time to relax, take stock and count the things that are really important in your life. We did the first “Next Chapter” workshop in January and this was enjoyed by all the delegates. It is empowering to take account of who you are, what skills you have and to then plot the journey for your future. This should be an exciting time in your life regardless of the credit crunch and all the doom and gloom. Take note of the date of the next one in March. Should you be keen to attend elsewhere in the country, please drop me an email as I will be planning this workshop in other major centers this year.
The PRIMETIME breakfast in March is a must for all companies and financial planners as well as Boomers. Book early to avoid disappointment. We only do this event once a year so don’t miss the opportunity.
Social Media is the new buzz word, mainly for the X generation and some early adopters in the corporate sector. Refirement Network is doing a joint workshop on Social Media especially aimed at Boomers. The training will help you as an executive or individual to understand the landscape and see the opportunities you can apply in your business or life. More details in this newsletter.
The Corporate Wellness divisions of organizations should be including the wellness of the boomers in their strategy. As a Retirement Coach, I am able to help you in this regard if you are interested. Please see my advertorial attached to this newsletter.
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I am including a great article, written by my good friends Ernest and Angelique Du Toit, this month. Taking a sabbatical is an opportunity to sit back and reflect on where you want your life journey to take you. This article will give you great insight into this process.
Don’t forget to join the Refirement Social Network. The 70 members that have already joined are enjoying the interaction and this platform opens doors for your business to flourish as you share and market what you do.
May you find love all around you during the month of March. Kind Regards

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Refirement Social Network
This is a new social network that I have set up for Refirement Network. Please join and invite all other Baby Boomers. Click to join
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African Commons project and Refirement network invite you to a
SOCIAL MEDIA WORKSHOP

This workshop is especially designed for Boomers. If words like blogging, Facebook, Twitter, YouTube and Wikis make you close your eyes in horror or despair, this is for you!
Please go to this url for course content details:
http://www.africancommons.org/projects-showcase/social-media-for-boomers/
These trends are changing the way the world communicates. Join that world today.
Date: 31 March 2009
Venue: African Commons Project Offices
1 st Floor The Grace Hotel, Rosebank.
Time: 10h00 till 13h00
Price: R500, refreshments will be served
Contact Details: 011-3273155 or rosanne [at] africancommons [dot] org
Address: 1st floor, Offices at The Grace Hotel,
54 Bath Avenue (cnr Tyrwhitt)
Rosebank.
Please park in the Rosebank Mall parking and bring your voucher to the training
This course will be interactive and you will leave with a range of skills and knowledge that will enable you to join a new world. Look forward to sharing this exciting time with you.
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Workshop
Your Next Chapter

The Baby Boomer generation will not retire like previous generations. We will be navigating a new path. Come and discover the opportunities and build a new exciting journey for your future. This workshop is for all men and women over 50 and will be 3 hours long
Date: 11th March
Time: 09h00 till 12h00
Venue: Sportron Head Office, 2 Eaton Road, Bryanston
Bookings: Lynda Smith
on 082 490 2822
Price: R300
Outcomes that you will take home with you:
Notes and Challenges to help you.
Why is this stage different for our generation?
Discover who you are and what your dreams are.
What career opportunities exist for you?
How can I upgrade my technology skills?
Draw up an action plan.
Build new connections and contacts to help you navigate your future.
The workshops will be kept small to facilitate discussion and learning.Book early to avoid disappointment. This process can be booked as an internal workshop for companies wanting to educate their over 50 employees.
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Lessons from a sabbatical at 50 and how we managed this as a couple
By Ernest and Angelique du Toit
The most crucial thing about life, is to understand and be clear about one’s purpose and passion. Purpose and passion creates the foundation and the boundaries, within which one makes sense of life’s opportunities and challenges. The greater the clarity of purpose, the less the challenges which we face in life, are able to impact our equilibrium and peace of mind. When one is fully involved in mainstream business, it is generally accepted that successful entrepreneurs or business executives, are fulfilling their purpose and passion. This may or may not be true, but for those individuals who are really clear about their purpose and are clearly focused on fulfilling it day by day, it makes no difference if you are in mainstream business or on a sabbatical. Generally, one of the greatest challenges of taking a sabbatical, is whether one is financially independent and whether you have the means to take time out of mainstream business. This is often a major source of stress, particularly for people who are retrenched, or who leave their business careers in other than voluntary circumstances. Angelique and I were in the fortunate position, that finance did not present a major challenge. Notwithstanding this, from our perspective, financial issues should not be a major concern, since our purpose is to impact and positively change the lives of others and when one has that type of value to add, then financial opportunities will present themselves as one makes a contribution to the growth and development of others.
It is imperative in life generally and whilst on sabbatical specifically, that one learns the critical lesson, that one must come to the market, not with your need, but with your value. If you approach life’s challenges and opportunities with your need, the likelihood is that you will not succeed, since people will sense your need, your desperation or your fear. However, if you approach the market with your value, your confidence, competence and ability to contribute, you will draw people and opportunities to you. Angelique and I have been blessed, in that our relationship has developed to the place where there is total inter-dependence, where we are able to communicate clearly, are unified in our purpose and understand the contribution that we wish to make individually and corporately. We, prior to going on sabbatical, came to an unequivocal agreement on how we would approach and balance our spiritual, family, physical, emotional, business and intellectual lives. The analogy is that all these elements are balls that we constantly have to juggle. All of the balls are rubber balls, aside from the spiritual ball and the family ball which are crystal balls. This assists us in deciding on our collective priorities, as we are constantly juggling all these balls and you cannot keep them all in the air at the same time. It is therefore fine to drop one of the balls from time to time, aside from the spiritual ball and the family ball, which are crystal and therefore need constant care and attention.
I went on sabbatical after the eight companies which I was responsible for at the time, were sold to a different multinational corporation, which applied business practises with which I did not agree and the corporation followed a code of ethics which was at odds with my personal belief system. I decided on a sabbatical, since I believed it would give me some time for stillness and reflection after 33 years in the corporate jungle. Initially Angelique and I took complete time out and spent time travelling, relaxing, reading, exercising, socialising and communicating even more intimately. Without the stress and pressure of time and deadlines, we became even more clear about our purpose on earth and the contribution that we were destined and able to make. What becomes evident, is that over the years, one acquires knowledge, skills, experience, expertise and wisdom that can be applied in many different circumstances and to many different people. Both Angelique and I then started to work with a variety of people in a wide range of businesses, coaching, training, strategising and assisting management with their strategic plans and operational execution.
We also found that the sabbatical gave us time to devote to our own growth and development, time to “sharpen the saw” in the words of Stephen Covey, time to further enhance our strengths and make our weaknesses irrelevant. It was a time in which we identified what the key drivers, the key facilitators and the key inhibitors of our future success was, as well as how we could leverage the key drivers and key facilitators and counter the key inhibitors that could constrain our efforts. We also realised, that some of the most critical attributes one can have, is commitment, dedication and resilience. It is crucial that nothing should prevent you from achieving your objectives. Hurdles and obstacles are purely challenges to be overcome, and it is important to stand each time after having stumbled and ask, what lessons have I just learnt from that experience, and then move on. Remember pain is temporary, quitting is forever.
Lastly, Angelique and I would wish to share our recipe for success with you:
Principle # 1 : Always stay focused on the main thing.
Principle # 2 : It’s all about relationships and only about relationships
Principle # 3 : Communicate, communicate and then communicate again.
Principle # 4 : The future will belong to those who best cope with volatility, chaos and change.
Principle # 5 : Innovation and creativity will win the day, every day.
Principle # 6 : Flawless execution makes all the difference in the world.
Principle # 7 : Integrity and ethics must be the cornerstone of your life.
Principle # 8 : Have fun, and live life with optimism, joy and fulfilment.
We wish you every success as you walk your path and fulfill your purpose on earth. May your journey be one of great contribution, hope, fulfilment, pleasure and great blessings.
Ernest and Angelique du Toit
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Please contact
Lynda Smith on +27 (0) 82 490 2822 or lynda [at] refirementnetwork [dot] com
for more details. Our web address is www.refirementnetwork.com
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