Tag: vacation

5 Things You Need for a Comfortable Retirement

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Editor’s Note: We are happy to post this retirement article by guest author Sierra Powell… concise and solid advice for all current and prospective retirees. Photo credit: https://www.pexels.com/photo/people-on-seashore-1377070/

Retirement is a new chapter– An opportunity to savor the results of years of diligence, to follow your interests, and to unwind, free from the demands of 9-to-5 employment. Reaching a comfortable retirement calls for careful decisions supporting your lifestyle and future requirements. Whether you desire to see the world, spend time with loved ones, or just enjoy a slower paced life, several essential components will enable you to have all you need for a safe, happy retirement.

Creating a Comprehensive Financial Plan

A good financial plan is the foundation of a comfortable retirement since it provides a clear road map for handling your money in the next few years. This approach covers forecasting your spending, figuring out revenue sources, and developing a plan for withdrawing money without quickly running out of savings. It goes beyond simple saving. First, project your monthly costs using the lifestyle you want. Add needs such as food, healthcare, and shelter; also include discretionary expenditures for entertainment, vacation, and hobbies. Knowing your planned costs helps you to decide if your revenue sources are adequate to meet them. You can also opt for a good local financial advisor. For example, if you live in Florida, seek a financial advisor in Tampa if you need guidance in selecting the best plan for yourself and your family.

Prioritizing Health and Wellness

Enjoying a nice retirement depends on keeping excellent health. It becomes difficult to enjoy your newly acquired independence without bodily well-being fully. Emphasize keeping active, following a healthy diet, and planning frequent doctor visits. Time spent in wellness not only improves your mood but also lowers your chance of chronic diseases that could affect your finances or quality of life. Think about adding pursuits that keep your body and mind active. Without taxing your joints too much, low-impact activities like yoga, swimming, or walking provide excellent advantages. Just as crucial is mental stimulation; consider picking up a pastime that tests your brain, acquiring a new skill, or club membership.

Building a Strong Social Network

A strong social life improves your retirement experience by offering company, encouragement, and chances to remain active. Retirement typically alters your daily schedule, particularly if most of your prior social life came from employment. By means of actions to establish and preserve a solid network of friends, family, and community ties, you may prevent emotions of isolation and loneliness, therefore influencing both mental and physical health. To meet new people and be active, join clubs, volunteer groups, or neighborhood organizations that fit your interests. To keep your social calendar full, get in touch with old pals, throw events, or schedule visits with loved ones.

Ensuring Housing Stability

Your degree of retirement comfort depends mostly on your choice of living environment. Your house should fit your way of life, be reasonably priced, and call for little upkeep. Downsizing to a smaller house, condo, or senior living complex provides the ideal balance for some between cost and convenience. Smaller spaces cut maintenance, decrease utilities and liberate resources for additional uses. Think about things like family, closeness to hospitals, and services supporting your everyday requirements. If you would like to keep your present house, think about implementing changes that would help keep aging in place. Simple adjustments that improve mobility and safety include adding grab bars in the restroom or substituting ramps for stairs.

Creating a Flexible Budget

Unexpected expenses might develop in retirement even with the finest financial preparation. Creating a flexible budget lets you negotiate these shocks without sacrificing your general financial situation. Set aside some of your savings, especially for unexpected vacation demands, house repairs, or medical bills. An emergency fund serves as a financial cushion so you may handle pressing needs without compromising your monthly income flow. Your budget should also contain a provision for discretionary expenditure for unplanned events such as family visits, holidays, or new interests. This adaptability lets you enjoy the advantages of retirement without feeling limited by your means.

Conclusion

Making decisions according to your beliefs and future vision can help you to create a comfortable retirement. Every component of your retirement plan supports your way of life and well-being, thereby enabling you to savor this new chapter with peace of mind. Accept the chance to live life on your terms, knowing that your careful planning has set a firm foundation for your next years.

It’s Time for… the PMEA Summer Conference!

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The summertime academic break is essential for the health and wellness of every music educator. Hopefully you are enjoying a little TIME OFF and an emotional and intellectual break and release from thinking about your professional responsibilities and anything about school!

Europeans swear that it takes no fewer than three weeks of what we would call an extended vacation. They say we need that much time to totally unwind, de-stress, rest, and, if necessary, lick our wounds and even “heal ourselves!” Summer should allow us to focus on family, friends, and leisure activities FIRST – to re-adjust our “work/life balance.” After an appropriate interval, then we can get ready to re-charge and re-energize, to recommit emphasis on new music program goals and professional development.

If you are fortunate enough to live in Pennsylvania and be a member of the Pennsylvania Music Educators Association (PMEA), I have a wonderful “crosswalk” solution to accomplishing this REBOOT – a combined “refresh and re-invest” makeover – to first get out of dodge for a change in scenery and then take care of your own social-emotional learning to come back to school raring to go! It’s simple! Sign-up to participate in the 2022 PMEA Summer Conference to be held in-person at the Doubletree by Hilton Hotel in Reading, PA on July 18-19, 2022.

Here’s the link to registration and detailed schedule: https://www.pmea.net/pmea-summer-conference/.

Once again, PMEA is “crushing COVID” and returning to some level of normalcy to offer a face-to-face summer conference of many “awesome” professional development venues – everything from hands-on music reading, member “sharing” sessions, clinics on advocacy, band, choral, classroom music, community ensembles, conducting, curriculum writing, gender identity, health/wellness, mentor training, Modern Band, music technology, recruitment, strings, and so much more!

Check out this summary of wonderful workshops:

Update as of 6/28/22

Approximately Nine (9) hours of Act 48 credit will be available.

This year’s event will include keynote speakers Suzanne Hall and Rollo Dilworth from Temple University as well as NAfME President and PA’s very-own super-star Scott Sheehan.

Feeling a little charitable, altruistic, or eleemosynary? (Great word – look it up!) On Tuesday, July 19, there will be a “Give-Back to the Community” event: PMEA’s Second Annual Day of Service at Goggle Works.

Now, what about that EXTRA FUN part? Well, you can turn your conference into a family vacation by just arriving a little early and/or leaving a little later.

First, how about attending a Minor League baseball game? PMEA acquired tickets to the Reading Fightin’ Phils vs. New Hampshire Fisher Cats contest on Sunday, July 17 at 5:15 p.m. at the FirstEnergy Stadium.

Next, there are a lot of terrific family-fun things-to-do in Reading, PA and the surroundings… (Special thanks to https://uncoveringpa.com/things-to-do-in-reading-pa for this “awesome” travel resource!)

Berks County, a combination of rich farm country, industry, beautiful parks, lots of entertainment, and top-notch educational institutions, is home to one of Pennsylvania’s largest cities, Reading, as well as many small communities that offer a lot of history and natural beauty. For PMEA members going to the Summer Conference, it is the perfect opportunity to enjoy a wide variety of family-friendly attractions, recreation pursuits, touring of the landscape scenery, and other day trips. If you were to visit the area before and/or after the conference, here are at least 18 places-to-go before returning home:

Source: 21 of the Best Things to Do in Reading, PA
  1. Reading Pagoda, Mount Penn https://uncoveringpa.com/reading-pagoda
  2. Nolde Forest, 600-acres and miles of hiking trails https://uncoveringpa.com/nolde-forest
  3. Hawk Mountain Sanctuary, scenic overlooks, hiking trails, bird-watching https://www.hawkmountain.org/
  4. Daniel Boone Homestead, birthplace of the frontiersman https://uncoveringpa.com/daniel-boone-homestead
  5. Goggle Works, former factory, art galleries (site of the PMEA Service Project) https://goggleworks.org/
  6. Covered Bridges, at least five of them close to Reading https://uncoveringpa.com/covered-bridges-berks-county-pa
  7. Reading Railroad Museum, railroad memorabilia https://uncoveringpa.com/reading-railroad-heritage-museum
  8. Neversink Mountain, miles of hiking trails (including City Overlook and Witches Hat) https://berksnature.org/trails/
  9. Mid-Atlantic Air Museum, WWII history, artifacts, and tours https://uncoveringpa.com/mid-atlantic-air-museum-reading
  10. Chatty Monks Brewing, restaurant/craft brewery https://uncoveringpa.com/chatty-monks-brewing-west-reading
  11. Blue Marsh Lake, swimming, fishing, boating https://www.nap.usace.army.mil/Missions/Civil-Works/Blue-Marsh-Lake/ 
  12. Berks County Heritage Center, museums and trails http://www.co.berks.pa.us/dept/parks/pages/heritagecenter.aspx
  13. Boyertown Museum of Historic Vehicles, antique autos https://uncoveringpa.com/boyertown-museum-of-historic-vehicles
  14. Crystal Cave, first “show cave” located near Kutztown https://uncoveringpa.com/exploring-crystal-cave
  15. Reading Public Museum, exhibits, paintings, geology, planetarium https://uncoveringpa.com/reading-public-museum 
  16. Hopewell Furnace Historic Site, iron furnace https://uncoveringpa.com/visiting-hopewell-furnace-national-historic-site
  17. Golden Age Air Museum, WWI planes http://www.goldenageair.org/ 
  18. Pennsylvania German Cultural Heritage Center, Kutztown University https://www.kutztown.edu/about-ku/administrative-offices/pennsylvania-german-cultural-heritage-center.html

Finally, if you need any additional urging, here’s our new PMEA State President Scott Cullen with his invitation for you to join us at the Summer Conference: https://fb.watch/dYrKOvAHkG/.

But, don’t wait! Register today for the PMEA Summer Conference at this link.

The deadline for hotel registration is fast approaching! The discounted block of rooms at the Reading Doubletree will close out at the end of the day on Friday, July 1.

See you in Reading, PA!

PKF

© 2022 Paul K. Fox

Help! How Does One Keep Up?

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Time, Task, & Media Management for Pre-Service/New Music Educators

 

This article is in memory of the late Thomas Labanc (October 1946 – November 2017), my friend, colleague, Upper St. Clair School District social studies teacher, curriculum leader, and assistant to the superintendent, school historian, brilliant visionary and fellow risk-taker, who taught me the basics of Priority Management and collaborated on many of our school district’s communications and public relations projects, including the establishment of the highly successful community publication UPPER ST. CLAIR TODAY magazine. PKF

 

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Imagine there is a bank that credits your account each morning with $86,400.
It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day.
What would you do? Draw out every cent, of course!!!
Each of us has such a bank. Its name is TIME.
Every morning, it credits you with 86,400 seconds.
Every night it writes off, as lost, whatever of this you have failed to invest to good purpose.
It carries over no balance. It allows no overdraft.
Each day it opens a new account for you.
Each night it burns the remains of the day.
If you fail to use the day’s deposits, the loss is yours.
There is no going back. There is no drawing against the “tomorrow.”
You must live in the present on today’s deposits.
Invest it so as to get from it the utmost in health, happiness, and success!
The clock is running. Make the most of today.
To realize the value of ONE YEAR, ask a student who failed a grade.
To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby.
To realize the value of ONE WEEK, ask the editor of a weekly newspaper.
To realize the value of ONE HOUR, ask the lovers who are waiting to meet.
To realize the value of ONE MINUTE, ask a person who missed the train.
To realize the value of ONE SECOND, ask a person who just avoided an accident.
Treasure every moment that you have! And reassure it more because you shared it with someone special, special enough to spend your time.
Remember that time waits for no one.
Yesterday is history. Tomorrow is mystery. Today is a gift.
That’s why it’s called the present! – Pratheek Naidu

 

Philosophies of Time Management

stopwatch-2061848_1920-geraltEven though it is from a book on post-employment transitioning (Purposeful Retirement: How to Bring Happiness and Meaning to Your Retirement), the author Hyrum W. Smith suggests several thought-provoking questions on prioritizing time:
  1. Does your management of time reflect your governing values?
  2. Are you giving the most time to that which matters most?
  3. What can you do tomorrow to ensure your time aligns with your priorities?

A similar perspective but providing much more detail, I recommend consuming from cover-to-cover First Things First by Stephen R. Covey, who succinctly defines this conundrum about using time wisely.

“For many of us, there’s a gap between the compass and the clock – between what’s deeply important to us and the way we spend our time. And this gap is not closed by the traditional “time management” approach of doing things faster. In fact, many of us find that increasing our speed only makes things worse.” – Stephen Covey

The four sections of Covey’s book dive into these concepts:

  • The Clock and the Compass
  • The Main Thing is to Keep the Main Thing the Main Thing
  • The Synergy of Interdependence
  • The Power of and Peace of Principle-Centered Living

In addition, I found additional insight and inspiration in the philosophy of managing time from these links:

For those of you who have already begun your career in music education or even working as a day-to-day music sub, try these classroom and time management tips (thanks to NAfME):

 

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The 4 D’s

Have you ever heard of a system called Priority Management (PM)? PM proposes methodology and business tools to immediately route every piece of paper and your daily “to-do tasks” that come into your life to one of the four D’s:

  • Do it! (now)
  • Date it! (assign it to the future)
  • Delegate it! (give it to someone else to do) or
  • Dump it! (into the trash)

PM’s “WorkingSm@rt method” promises to help you “gain control over your day, find balance, prioritize your work, and reach your goals,” giving you time to focus on the tasks that are important to you. The bottom line – every digital or printed post-it-note, piece of mail, receipt, publication, email or other communication – must be “put in its place” on the spot – either completed instantly, deferred to another time, given to someone else to do, or THROWN OUT!

time-management-2323612_1920-mohamed1982egYours truly, a “late baby boomer,” never enjoyed that prophesied and romanticized revolution of a “paperless society.” Did you? PM recommends the creation of a “future reading” file, a subcategory of “date it.” Experts on Google Mail will extol the merits of creating a folder and categorizing/storing messages such as emailed issues of MEJ, Kappan, SB&O, and other digital editions of professional newsletters. I have found that this doesn’t work very well, even in retirement. The file folder just fills up, and I never seem to get around to reviewing the things I thought were so important to save. Nor did the practice of our grandmothers’ generation clipping articles (and coupons) out of newspapers. You would think you could solve this media overload by just printing a small excerpt of what you want to peruse later and putting it in a letter tray near your desk? Nope. It just piles up! However, probably the ideal solution would be to designate a specific 15 minutes or more every day for something they used to give to the middle school students I taught: “silent and sustained reading.”

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“Pros” Wrestle Control of Their “Free Time!” You Can Do That, Too!

“When you get right down to it, intentional living is about living your best story.”

time-481444_1920-geraltHow many times have you heard it? Make your plans and goals “intentional!” Besides all of the upcoming deadlines and appointments to which you are committed, include in your daily and weekly schedule opportunities for individual reflection and growth.

Plan 30-60 minutes of professional enrichment every day, throughout the year. The list below is based on an hour, but when time is really at a premium, just divide everything in half.

  • Read an article in a professional journal or digital newsletter (15 minutes)
  • “Keep up your chops” in ear training, sight-reading, and score reading. Have you ever used something like Elementary Training for Musicians by Hindenmith and practiced exercises that make you sing in syllables, tap a different rhythm independently with your left hand, conduct the beat pattern with your right hand, and beat your foot to the pulse? Revisit your college solfeggio assignments, and of course, sight-singing anything is also most beneficial. (10 minutes)
  • Perform on the piano, rotating weekly to different styles and forms of music. If you’re not a piano major or an accomplished choral  accompanist, include playing at sight several different voice parts simultaneously from choral octavos. (10 minutes)
  • Research and add professionals to update your contact file. Did you run into any new music teachers or school administrators this week? Search school district websites for the names of music department chairs and supervisors. (5 minutes)
  • Practice your story-telling skills (organized and “polished” telling of anecdotes about your achievements, teaching experience, “personality pluses,” and problem solving. Role play answering job-screening questions in video-recorded mock interviews, and allow time to assess your “performance.” (10 minutes)
  • Work on personal branding and marketing projects: making, refining, and customizing your e-portfolio, business card, professional website, and resume. (10 minutes)

The last three bullets above are covered extensively within this blog. Try these links:

If you “think” you are ready for the job search process, complete the self-assessment at https://paulkfoxusc.wordpress.com/2017/04/24/intereviewing-the-situation-and-jobs/.

 

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What about vacations or academic breaks when it seems there’s more time to spare? With some repetition to the above, in the December 2017 issue of Collegiate Communique, a digital publication of the PMEA Council for Teacher Training, Recruitment, and Retention (in support of the Pennsylvania Collegiate Music Educators Association and Society for Music Teacher Education), these recommendations were offered for college music majors who are leaving school for their winter or summer recesses.

“After you finish your semester finals, juries, concerts, writing assignments, and other projects, you may have several weeks before you have to return to full-time classes at the university. Besides catching up on your sleep and visiting your family and friends, how many of these enrichment activities can you accomplish?”

  1. Share your musical gifts.
  2. Sit in with a church or community choir, orchestra, or band.
  3. Learn something new about music… even outside your specialty.
  4. Spend a lot of time sight-reading.
  5. Improve your score reading and analysis.
  6. Volunteer to coach/conduct music rehearsals at the local public school.
  7. Attend as many concerts as you can.
  8. Compose a short seasonal, folk, jazz, or classical piece.
  9. Record video/audio excerpts of your major instrument/voice in preparation for placement in your e-portfolio.
  10. For upcoming employment prep and practice of mock interviews, review the marketing professionalism articles at https://paulkfoxusc.wordpress.com/becoming-a-music-educator/.

– Collegiate Communique #8

Of course, from a 35-year veteran teacher now retired, a snide remarkbusinessman-2929721_1920-Fotomek in response to feeling a little “stressed over the schedule” could be to “get used to the 24/7 nature of the job.” A music teacher works from sun-up (and before) to sun-down (and after), and constantly has to juggle multi-tasking on a wide variety of to-do’s, all landing at the same time: writing lesson plans, arranging music or drills, preparing scores or accompaniments, planning and rehearsing ensembles, managing the grade book and attendance records, attending faculty meetings and parent conferences, writing curriculum, student assessments, and lesson targets, preparing for extra-curricular activities like marching band, chorus, or the musical, finishing your own homework for graduate courses, district inductions, or professional development assignments, ETC.

But, if you “get organized,” you will love it! There is nothing better (albeit hectic) than the “calling” of serving your students and the profession as a music educator, inspiring creative self-expression, artistry, music appreciation, and life-long learning.

PKF

© 2017 Paul K. Fox

 

Photo credits from Pixabay.com: “hourglass” by annca, “children” by mochilazocultural, “stopwatch” by geralt, “parade” by Marmiche, “time management” by mohamed1982eg, “choir” by intmurr, “time” by geralt, “box” by rawpixel, and “businessman” by Fotomek.