Living your best life - By decision or by design You reinvented Home reimagined

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Living your best life - By decision or by design You reinvented Home reimagined
The Retired Teachers of Ontario Magazine   Spring 2019

living
your
 best
 life                                                By decision or by design

                                                             You reinvented

                                                          Home reimagined
Living your best life - By decision or by design You reinvented Home reimagined
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Living your best life - By decision or by design You reinvented Home reimagined
contents

                                                         20              The Retired Teachers of Ontario Magazine       Spring 2019

                                                                         living
                                                                         your
                                                                          best
                                                                          life                                                    By decision or by design

                                                                                                                                          You reinvented

                                                                                                                                       Home reimagined

                                                                        On the Cover
                                                                        David Phipps (District 16 Toronto),
                                                                        photographed by Cylla von Tiedemann at the
                                                                        National Ballet School of Canada, Toronto.

24                              30                                                   forward
                                                                         5 Contributors

                                                                         6	Letters

                                                                         7	From the Chair

                                                                         8	From the Editor

                                                                         9	From the
                                                                                     Executive Director
                                                                        10	Equal health care for all

                                                                        12	Inclusive care

                                                                                     health matters
		 features
                                                                        14 Living well from
                                                                        		 head to toe
                                                                        16		 Plant power
20 By decision or by design                                             18 Changes to your
		   Meaningful connections enrich our lives and invite us to explore   		 health plan

24 You reinvented                                                                    departments
                                                                        34	Travel
		   Embrace a spirit of adventure and put your passions to work
                                                                        38	Lifestyle

30 Home reimagined                                                      42	Living memories

		   Rightsize your space for the way you live now                      44	Bookshelf

                                                                                                                    Spring 2019                              1
Living your best life - By decision or by design You reinvented Home reimagined
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Living your best life - By decision or by design You reinvented Home reimagined
keep in touch!                                                   Spring 2019
                                                                 rto-ero.org
                                                                                                    Volume 18, Number 1

                                                                 Publisher The Retired Teachers of Ontario⁄
                                                                 Les Enseignantes et Enseignants Retraités de l’Ontario
RTO/ERO’s online community is fun, active and engaged.
                                                                 Editor-in-Chief Danielle Norris
Connect with our growing group for updates on news and           renaissance@rto-ero.org

events near you, exclusive contests, retirement tips and more.   Production Consultant Sharon Carnegie,
                                                                 Creative Print 3 Inc.

                                                                 Creative Direction Hambly & Woolley

                                                                 Translators Claude Forand and Sue Collins

                                                                 Copy Editor Martin Zibauer

                                                                 Contributing Writers Kim Brathwaite,
                                                                 Charlotte Empey, Stuart Foxman, Brian Jamieson,
                                                                 Alison LaMantia, Jennifer Lewington,
                                                                 Stefanie Martin, Doug Wallace

                                                                 Board of Directors
                                                                 Chair Martha Foster, mfoster@rto-ero.org
                                                                 Vice-Chair Rich Prophet
                                                                 Directors Jacqueline Aird, Richard Goodbrand,
                                                                 Louise Guérin, Martin Higgs, William Huzar,
                                                                 David Kendall, Gayle Manley

                                                                 Executive Director Jim Grieve

                                                                 300–18 Spadina Road, Toronto, Ontario M5R 2S7

                                                                 Telephone 416-962-9463 | Fax 416-962-1061
                                                                 Toll-free 1-800-361-9888 | Email info@rto-ero.org
                                                                 Website rto-ero.org

                                                                 RTO/ERO is divided into 48 districts
                                                                 and has 78,000 members.

                                                                 Renaissance is published quarterly for RTO/ERO
                                                                 members, providing content on topics of interest
                                                                 to the retired education community.

                                                                 Views expressed in Renaissance are those of the
                                                                 writers and do not necessarily reflect the official
                                                                 position of RTO/ERO.

                                                                 Advertising Beth Kukkonen,
                                                                 Dovetail Communications Inc.
                                                                 bkukkonen@dvtail.com

                                                                 Publication of an advertisement does not constitute an
                                                                 endorsement by RTO/ERO of any product or service.

                                                                 Renaissance est également disponible en français.
                                                                 Si vous désirez recevoir la version française de ce magazine,
                                                                 veuillez communiquer avec le bureau provincial.

                            Follow us!
                               facebook.com/rto.ero   @rto_ero

                                                                 MOVING?
                            Watch!                               Update your mailing and email addresses
                                                                 by contacting the Membership Department.
                                                                 Email membership@rto-ero.org or call,
                               RTO ERO                           toll-free, 1-800-361-9888.

                                                                                                   Spring 2019            3
Living your best life - By decision or by design You reinvented Home reimagined
RTOtravel.ca | 1.877.872.3826

                          ...for the experience

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                                 Oct. 29, 2019                                                                                                        Oct. 20, 2019
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    ON-4499356/4499372 | BC-34799 | QC–7002238 | 111 Peter Street, Suite 200, Toronto, ON. M5V 2H1 | ®Merit Travel is a registered trademark of Merit Travel Group Inc. All rights reserved.
Living your best life - By decision or by design You reinvented Home reimagined
our classified
                                                                                                        contributors

                                                                                        We asked contributors Doug

section has
                                                                                        Wallace, Alison LaMantia and
                                                                                        Stuart Foxman what living
                                                                                        their best life means to them.

moved online!
                                                                                        DOUG WALLACE
                                                                                        “I pack as much travel into
                                                                                        my life as I have time for
                                                                                        and can afford. The benefits
                                                                                        are so rewarding—and
                                                                                        eye-opening! I get such a
                                                                                        deep perspective on the
Visit rto-ero.org/classified for the latest                                             world as one unit with many
                                                                                        moving parts.”
updates and to share posts online for free:
• reunions             • volunteering                                                   ALISON LAMANTIA
                                                                                        “Just over a year ago, I
• classifieds          • travel                                                         transitioned from public
                                                                                        education corporate
• jobs                 • rentals                                                        communicator to freelance
                                                                                        writer and communications
                                                                                        consultant. This has given
                                                                                        me the flexibility to pursue
                                                                                        meaningful work, prioritize
                                                                                        my wellness and have more
                                                                                        time with my kids, including
                                                                                        volunteering with them at a
                                                                                        long-term care home.”

                                                                                        STUART FOXMAN
                                                                                        “Gaining insight, inspiration
                                                                                        and joy through what creative
                                                                                        people produce; adding rather
                                                                                        than subtracting; and seeing
                                                                                        my kids lead their own happy
                                                                                        and meaningful lives. It’s not
                                                                                        about best life but striving
                                                                                        for better, having passion and
                                                                                        demonstrating compassion.”

                                                                      We neglected to give credit where credit
                                                                      was due in our Winter issue. Photographer
                                                                      Alan Grogan took pictures of Marion Slinger
                                                                      (District 31 Wellington) for our Beating the
                                                                      Blues feature story. And photographer
                                                                      Larry Holseth (District 39 Peel) took the
                                                                      picture of member Linda Kenny (District 39
                        Also explore our online sections for          Peel) used in the letter from Executive
                        jobs and volunteer opportunities at           Director Jim Grieve.
                        bit.ly/rto-ero_job_volunteer_opportunities.

                                                                                                     Spring 2019       5
Living your best life - By decision or by design You reinvented Home reimagined
letters

Readers
letters
                                                                    Make a Testament
Loved the magazine. There was lots to read and excellent            to your Faith
ideas for people to use. Loved this month especially.
—Ada Wright (District 33 Chatham-Kent)
                                                                    Focusing on the future together
We enjoy reading your magazine — continue the good work.            with The United Church of Canada
—Mario Morson (District 22 Etobicoke and York)
                                                                    Having wisely stewarded your resources, you’re now seeking
                                                                    to invest in your church long after you’re gone.
Thank you and your team for all your wonderful work on this
very impressive magazine — Renaissance. Always a good read.         Please know that we offer a full spectrum of planned giving
—Larry Holseth (District 39 Peel)                                   opportunities that will enable you to fulfill your philanthropic
                                                                    goals and support the ongoing work of your beloved church.
I’d like to express my appreciation on the rebirth of               —————
Renaissance magazine! I have consulted with several other           Please call a personal           WEBSITE
                                                                                                     unitedchurchfoundation.ca
widowed and single RTO/ERO members who were feeling                 Gift Planning Consultant         EMAIL

increasingly alienated from the previous version as the             at 1 866 340-8223                legacy@united-church.ca
emphasis seemed to be on family, grandchildren and travel for
couples and able-bodied retirees that were not only irrelevant to
us, but painful reminders of our losses and missed opportunities
in life. I was delighted to see health maintenance articles, a
solo travel article and inclusive information for the LGBTQ
community. You are finally including us all!! Thank you!
—Judy Breckles (District 17 Simcoe)

I thoroughly enjoyed this issue of Renaissance Winter 2019.
—Mary Burgess (District 4 Sudbury & Manitoulin)

I appreciate the quality work that goes into Renaissance.
What dismays me, though, is the single-use plastic bag the
magazine arrives in. The world is waking up to the immense
problem of plastic trash and we all need to stop participating in
this unsustainable level of waste. Recycling paper and plastic is
no longer a workable solution and does not solve the problem.
Every small step taken by many will take us a long way on the
journey to living responsibly.
—Deborah Pearson (District 18 Haliburton Kawartha Lakes)

Editor’s Note
We share your concerns, Deborah, and take our stewardship
of the environment very seriously. We would like to assure you
that the wrap on the magazine is not plastic — it’s made of a 100
per cent biodegradable, plant-based substance and can be put in
your compost bin. The magazine is also printed on responsibly
sourced paper. We do everything possible to produce Renaissance
magazine using innovative, environmentally sound materials.

                         TALK BACK

    Join the conversation — send your comments and
    queries to renaissance@rto-ero.org. And connect with
    us on Facebook, YouTube and Twitter!

6
Living your best life - By decision or by design You reinvented Home reimagined
from the chair

                                Living your                                                                                            We advocate to help
                                                                                                                                       you live well.

                                best life                                                                                                        by Martha Foster

                                                                              get worse as the number of Canadians         quality of life of many seniors, keeping
                                                                              over 65 increases at a greater rate than     them from living their best lives.
                                                                              the rest of the population. This is not an      These are the areas that we
                                                                              acceptable scenario if we are to receive     highlighted to our MPPs as issues
                                                                              the best health care possible and live the   that, if addressed, would make a huge
                                                                              best life we can.                            difference in the lives of many seniors.
                                                                                 We are encouraging politicians to         I would be remiss if I did not also
                                                                              support age-friendly communities             mention the RTO/ERO Foundation’s
                                                                              that promote healthy, active lifestyles;     focus during the month of October on
                                                                              enable seniors to remain in their homes;     social isolation. Social isolation affects
                                                                              provide reasonable and safe access           those experiencing it in so many ways:
                                                                              to public transportation; and offer          they are at a higher risk for depression,
                                                                              opportunities to socialize and volunteer     loneliness, mental illness, hypertension
                                                                              — enhancing the quality of life as people    and cognitive decline, and they are more
                                                                              get older.                                   likely to need residential care. The issue
                                                                                 We are also advocating to prevent         needs to be addressed at many levels
                                What a wonderful theme for our                elder abuse. Too many of our members         to help those individuals lead more
                                spring magazine: Living your best life.       and other older citizens suffer abuse        fulfilling lives.
                                   I am lucky to see so many of you as        that affects their personal safety, or          The theme of this issue of Renaissance
                                I visit your districts across not only        limits or controls their rights and          originates in one of our strategic goals —
                                Ontario, but Canada. Whenever I speak,        freedoms. Elder abuse is a hidden,           To improve the lives of seniors and members
                                I extol the benefits of belonging to          although widespread, problem. We             — and is a focus of our everyday actions.
                                RTO/ERO. The first benefit that always        are in a partnership with Elder Abuse        As you can see, we at RTO/ERO work
                                comes up is our health insurance plan,        Ontario, an organization that works          tirelessly to reach this goal. We do it for
                                which is the envy of many. We are lucky       tirelessly to put an end to this pattern     you and for all seniors, so that we can all
                                to have a plan that complements and           of abuse, which seriously affects the        live the best life.
                                enhances our government health plans.
                                Not only does our plan provide coverage
                                beyond those government plans — very
                                important for better health for many of
                                us — but it also has a focus on wellness,
                                both of which help you live your best life.
                                   At the same time, I have often been
                                heard to say, “We are more than just
                                health insurance.”
                                   This fall and early winter has
                                found us active in the area of political
                                advocacy. In October, the Board had
                                a successful advocacy day at Queen’s
                                Park. We attended question period and
                                were introduced, and at a reception
                                for MPPs afterward, we focused on
PHOTO, MONKEY BUSINESS IMAGES

                                three issues that we feel are important
                                for us to live better lives: geriatric
                                training, age-friendly communities and
                                elder-abuse prevention.
                                   Canada — including Ontario — falls far
                                behind many other developed nations in
                                the number of geriatricians. In Canada,
                                there is one geriatrician for every 15,000
                                adults, and the situation is only going to

                                                                                                                                                    Spring 2019     7
Living your best life - By decision or by design You reinvented Home reimagined
from the editor

Setting my                                                                                             I count on a vision board
                                                                                                       and gratitude journal.

best-life goals                                                                                                       by Danielle Norris

Measuring happiness and life                        My board serves as a visual represen-          Our spring issue explores fresh new
fulfillment is relative, depending on            tation of what a happy life looks like          ways to live happier, healthier lives.
whom you ask — perhaps it means financial        to me. I broke it down into sections            Members share how they’re making
and material wealth, or maintaining a            that focus on making time for myself,           conscious choices to live their best lives
healthy lifestyle, travelling, volunteering or   spending time with family, travel and           through second careers, ‘rightsizing’
making memories with family and friends.         health and wellness.                            their living arrangements and building
  While working on this Living Your Best            The secret to living my best life is doing   lasting relationships. You’ll also find
Life issue of Renaissance, I asked myself,       what makes me happy and focusing on             tips on how to live well from head to toe,
“What would living my best life look like?       the positives. When I look at my board,         how indoor plants improve air quality at
And am I living it?”                             I realize that I have accomplished a            home, and health/fitness travel retreats
  To me, living my best life means being         number of goals, but I struggle with one        to reboot mind, body and soul.
intentional with my actions, living with         or two things that didn’t go as planned.          I hope this issue inspires you to explore
purpose and celebrating the victories —          That makes me feel like I have failed, so       how to live your best life, however you
big and small.                                   I started journaling, but I’m only writing      define it, and that you’ll take a moment
                                                                                                                                               PHOTO, DANIELLE NORRIS

  I’m a visual learner, so I created a vision    about the positives.                            to share your happiness goals and how
board to help me sort out the things that           My gratitude journal and vision board        you make them a reality. Just email me
make me happy and focus on my best-life          help when I’m feeling down because I            at renaissance@rto-ero.org
goals. It’s colourful and hangs in a frame       can look back and remember I have a
in my home office; I posted a photo of it at     lot to be grateful for. Am I living my best
my work office, too.                             life? Absolutely!                               Happy reading!

8
from the executive director

                            Phishing, spoofing,                                                                     How to protect yourself
                                                                                                                    and your money.

                            fraud and theft                                                                                       by Jim Grieve

                            Every day we hear about someone
                            who has fallen prey to one of those
                                                                           The best suggestion I can make is
                                                                         that you check out the helpful               6 tips to
                            ugly words in the title of this article.
                            Regularly, we learn of yet another person
                                                                         information available on the specific
                                                                         and trusted websites below for detailed       thwart
                            who has served up bank information
                            or a credit card number, or who has
                                                                         protection information:
                                                                         • The Government of Canada: Protect        fraudulent
                            transferred funds to a scam artist
                            impersonating someone they know.
                                                                           yourself from fraud. Visit canada.ca
                                                                           and search for “Protect yourself          operators
                              Sadly, there are fraudsters operating        against fraud.”

                                                                                                                    1	
                            around the world, using sophisticated        • The Chartered Professional
                            and authentic-looking strategies to steal      Accountants of Canada: Protecting
                                                                                                                        Be suspicious of
                            your hard-earned funds. Many RTO/ERO           You and Your Money by Kelley Keehn,
                                                                                                                        unexpected requests,
                            members and staff have experienced such        available through the CPA website.
                                                                                                                        especially from
                            approaches. Fortunately, most incidents        The e-book is $6.99; the soft cover is
                                                                                                                        unknown sources. If
                            are discovered before any damage is            $19.99 — well worth the investment.
                                                                                                                        you’re pressured to
                            done. But we also know of cases where          (kelleykeehn.com/books)
                                                                                                                        take immediate action
                            significant funds have been forwarded by     • The Better Business Bureau: Scam
                                                                                                                        and make a purchase,
                            unsuspecting members to false accounts;        Tracker. (bbb.org/scamtracker)
                                                                                                                        transfer funds or share
                            these funds are rarely recoverable.          • The Competition Bureau: Preventing
                                                                                                                        personal information
                              For example, a few weeks ago all             Fraud. Visit competitionbureau.gc.ca
                                                                                                                        by clicking on links in
                            RTO/ERO staff members received an              and click on “Preventing Fraud.”
                                                                                                                        emails, treat the request
                            email — supposedly from me — asking
                                                                                                                        as potential fraud.
                            each one to purchase iTunes cards,           The most important protection is to
                            scratch off the PIN and send the number      remain completely vigilant and always
                            to me urgently. On close inspection, the
                            email was not legitimate, and of course
                            I would never make such a request.
                                                                         double check the source of any request
                                                                         for funds by calling the person who
                                                                         sent the request. Members of your
                                                                                                                    2	 Call someone in your
                                                                                                                        trusted contact list to
                            However, unless the recipient checked        RTO/ERO District Executive will not            verify any request or
                            the email address, which was not mine,       email a request for payment. Similarly,        claim for money.
                            everything else looked accurate, including   remember that your financial institution

                                                                                                                    3	
                            the RTO/ERO logo and signature line.         and the Government of Canada will
                              The question we’re all asking is:          never phone or email you with a request
                                                                                                                        Hang up on robocalls.
                            “How can we defend ourselves from            for funds or personal information.
                            such attacks?”

                                                                                                                    4	 Be skeptical about free
                                                                                                                        gifts or free trials.

                                                                                                                    5	 Keep your antivirus
                                                                                                                        software up to date.

                                                                                                                    6	
PHOTO, LIGHTFIELD STUDIOS

                                                                                                                        Check out the four
                                                                                                                        trusted sources at
                                                                                                                        left for information to
                                                                                                                        arm yourself against
                                                                                                                        phishing, spoofing, fraud
                                                                                                                        and theft.

                                                                                                                                 Spring 2019        9
forward

Equal health                                                                             RTO/ERO members weigh in
                                                                                         on pharmacare discussions.

care for all                                                                                                 by Stuart Foxman

More than 2,000 RTO/ERO members                To help the council deliberate, the       citizens of almost every other country.
responded to a discussion question          government created a discussion paper           The problem is getting worse. The
posted by the federal government’s          and invited feedback. Health care is a       cost of medications continues to rise.
Advisory Council on Implementation of       priority for RTO/ERO members. The            The current drug coverage system isn’t
National Pharmacare. Our answers were       RTO/ERO survey, conducted in late            designed to handle the increasingly
clear: the time for pharmacare is now.      2018 and presented to the council this       expensive breakthrough drugs coming
  Here’s what some of you had to say.       past winter, is a way to share members’      down the innovation pipeline.
                                            voices. In the survey, 78 per cent of           Even those covered for prescription
• “I think everyone should have             members saw a national pharmacare            drugs are affected by the absence of a
  access to the broadest spectrum           solution as important.                       national pharmacare system.
  of medications.”                             The government’s discussion paper            As the federal government notes,
• Drug coverage is a matter of fairness:    raised the key issues driving action on      rising drug costs make private plans
  “It follows in line with equal health     pharmacare. For one, only prescription       less affordable. Benefit plans will
  care for all.”                            drugs administered in hospitals are now      face difficult trade-offs. As Canada’s
• The scale of coverage does remain         part of basic medicare. Coverage for drugs   population ages and chronic health
  a question: “It depends on how it will    prescribed outside hospitals varies from     conditions becoming more prevalent,
  be funded.”                               person to person and province to province.   governments will also experience
• However the urgency of the issue             Who’s covered? Right now, it’s            increasing costs. (That’s especially
  is clear: “I see lack of national phar-   a patchwork.                                 true since public plans typically cover
  macare as a major shortcoming in             Prescription drug coverage in Canada      seniors.) This places pressure on
  our health care system.”                  is provided through over 100 public and      governments to scale back drug coverage
                                            100,000 private insurance plans, each with   or other health and social services.
What’s the issue all about, and why         different rules. Many working Canadians         “Escalating costs impose a financial
should RTO/ERO members care?                and their dependents have much of their      strain on individual Canadians and their
  Pharmacare is a system of health          prescription drug expenses covered           families, employers and governments,”
insurance that gives access to necessary    through private, employer-funded benefit     states the pharmacare discussion paper.
prescription drugs. In most industri-       plans. Seniors, individuals on social        “Canadians pay for these high and
alized countries, pharmacare is part of     assistance, and patients with certain        rising drug costs either directly through
universal health care. Not in Canada.       diseases are generally covered, at least     out-of-pocket expenses, or indirectly
  Here, prescription drugs aren’t           partially, by public plans.                  through costs passed on by their
covered in a consistent way. Even those        Others, including many RTO/ERO            employers or through the taxes they pay.”
with drug coverage can face deductibles,    members, have coverage for prescription         So how should Canada approach
co-payments and annual maximums             drugs through extended health care plans.    pharmacare? Who should be covered?
that make affording drugs a challenge.         Yet many Canadians — particularly         What drugs will get covered? And who
A study published by the Canadian           those who are self-employed or work          will pay? Improving the affordability
Medical Association Journal found that      part-time, or have low-paying or             and accessibility of prescription drugs
nearly two million Canadians say they       precarious work — must pay out of            is an issue that matters to all Canadians.
couldn’t afford one or more drugs in the    pocket for prescription drugs.               That’s why it’s important for RTO/ERO
past year, often resulting in additional       Those prices can be high. In fact,        to have a say in this discussion. More
doctor visits and hospital admissions.      Canadians pay higher prices for and          engagement is always a prescription for
  In 2018, the federal Standing             spend more on prescription drugs than        the best policy decisions.
Committee on Health recommended that
Canada establish a universal single-payer
public prescription drug system by            HOW MUCH DO WE PAY FOR DRUGS?
expanding the Canada Health Act to            • On average, Canadians spend $926 per person on prescriptions per year,
include prescription drugs dispensed            through a combination of public, private and out-of-pocket expenditures.
outside hospitals. The Advisory Council       • Drug spending in Canada has risen dramatically over the past three
on the Implementation of National               decades, from $2.6 billion in 1985 to $33.8 billion in 2017.
Pharmacare will report on how to do so        • New precision medicine and biologic therapies promise new cures, but
to the federal Minister of Health and           also much higher prices.
Minister of Finance in 2019.

10
PHOTO, IRYNA IMAGO
                     forward

                     Spring 2019   11
forward

Listening to the                                                                         RTO/ERO Foundation grant
                                                                                         backs LGBTQ resource.

LGBTQ community                                                                                            by Stuart Foxman

When the DEAR (Diverse Experiences          “Everyone has the right to choose          • Health care professionals don’t
in Aging Research) Collaborative asked    how they live out their lives as they age.     always have specific expertise in the
LGBTQ older adults if they felt their     This is such an important initiative for       sexual health issues experienced
voices were being heard and their needs   current and future generations of the          by LGBTQ individuals, which can
were being met, the researchers learned   LGBTQ community,” says Jo-Anne Sobie,          be compounded by homophobia
the answer was a resounding no.           Executive Director of the Foundation.          and transphobia. These issues may
  Funded by a grant from the RTO/ERO        Lesbian, gay, bisexual, transgender and      require distinct care.
Foundation, the DEAR Collaborative set    queer older adults are often described       • Members of the LGBTQ community
out to explore the kind of care LGBTQ     as an invisible or hidden segment of the       who require in-home or long-term
adults were receiving by interviewing     aging population. Among the challenges         care services often experience dis-
community members and health and          the community faces, according to the          crimination from health care pro-
social care professionals. The result:    DEAR Collaborative:                            fessionals and from other residents,
an online toolkit called Speaking Up                                                     forcing some to go back into the
and Speaking Out (speakingupspeak-        • LGBTQ older adults are more likely to        closet, an emotionally and physically
ingout.com) offering health care            live alone than heterosexual adults of       devastating retreat.
professionals the information they need     comparable age.                            • LGBTQ adults are less likely to turn
to enhance practice knowledge, support    • Relative to older heterosexual adults,       to relatives for support, and they are
interactions with patients, and inform      LGBTQ individuals have significantly         even less likely to discuss care and
                                                                                                                                   PHOTO, LIGHTFIELD STUDIOS

care and treatment plans.                   higher rates of psychological and            complete an advance directive, such
  The interdisciplinary group is            physical health conditions as they age.      as a living will for medical treatment,
led by social work and psychology         • Many older LGBTQ adults approach             in the event that they can’t communi-
professionals from Lakehead                 health care institutions with suspicion      cate their wishes themselves.
University, the University of Guelph,       and fear partly due to feelings of         • While LGBTQ adults turn to friends
Saint Paul University and the               discrimination and stigma, which can         in greater proportions in times of
University of Ottawa.                       delay them seeking professional care.        need for emotional support and

12
assistance, friendship networks lack        The challenge to care providers: are you
  the structure and support of kinship      an ally of the aging LGBTQ population?
  systems, which has implications for         The evaluation of the toolkit included
  palliative/end-of-life care.              feedback from current health care
                                            providers, future providers — health care
The health and social care professionals    students, for example — and older members
in the interviews echoed many of the        of the LGBTQ community.
concerns of the LGBTQ community               The Speaking Up and Speaking Out
members. “Through focus groups,             toolkit is available online and has been
our results showed a strong desire          shared through the extensive networks
from the participants to provide safe       of the research team, including with the
and inclusive care for older members        Centre for Education and Research on
of LGBTQ communities,” says                 Aging and Health (CERAH), the Canadian
Dr. Kathy Kortes-Miller, one of the         Longitudinal Study on Aging, and Hospice
directors of the DEAR Collaborative         Palliative Care Ontario. The toolkit creators
and an Assistant Professor at the School    also presented the results at the Canadian
of Social Work, Lakehead University.        Association for Gerontology conference and
  Dr. Kortes-Miller reports that two        via a province-wide CERAH webinar.
main themes emerged from the focus            The DEAR Collaborative has submitted
groups. One is that the way in which care   an article, based on the results from the
professionals identify and recognize the    focus groups conducted for this grant, to the
diversity within the LGBTQ community        journal Clinical Gerontologist.
matters. The other is the need for            What’s next? “The research team
acceptance, making care environments        connected with new groups and health care          LEARN MORE
comfortable and welcoming.                  providers who want to improve the care they        The Speaking Up
  As the toolkit notes, care providers      give older adults who identify as LGBTQ,”          and Speaking Out
have often given little attention to the    says Dr. Kortes-Miller. “These connections         toolkit includes links
experience of LGBTQ older adults,           will be valuable in the future as we all work to   to organizations that
many of whom can feel marginalized.         develop capacity in this area.”                    can help care provid-
                                                                                               ers better serve the
                                                                                               LGBTQ community.
                                                                                               These organizations
                                                                                               also offer a wealth

    “Everyone has the right to                                                                 of information and
                                                                                               support to senior (and

    choose how they live out
                                                                                               other) members of
                                                                                               the community:

  their lives as they age. This is
                                                                                               • Senior Pride
                                                                                                 Network: senior
                                                                                                 pridenetwork.com

 such an important initiative for                                                              • Rainbow Health
                                                                                                 Ontario: rainbow
                                                                                                 healthontario.ca

 current and future generations                                                                • Egale: egale.ca (see
                                                                                                 the section devoted

   of the LGBTQ community.”
                                                                                                 to LGBTQ seniors)
                                                                                               • PFLAG Canada:
                                                                                                 pflagcanada.ca
                                        —
                                   Jo-Anne Sobie

                                                                                                        Spring 2019     13
health matters

Living well from                                                                     Visualize your fitness future and
                                                                                     lean in to reach your goals.

head to toe                                                                                                  by Brian Jamieson

Considering a stroll into new fitness territory? Joining a          “Visualizing can change your brain in the moment, spur
hiking club, perhaps, or training to run a 10K?                  a shift in your overall chemistry and open you up to better
  Start by visualizing, and you’ll make your journey from here   thinking, feeling and emotional states that encourage you to
to there the most it can be.                                     take more risks and ‘lean in’ to reach your goals,” says Eileen
  Imagine yourself in the future you want. Use all your          Chadnick, principal of Big Cheese Coaching in Toronto and
senses. Touch, hear, taste. Now freeze that feeling. Are you     author of Ease: Manage Overwhelm in Times of Crazy Busy.
excited, looking for more colours to paint the canvas in            Visualization triggers possibilities. It lets you get to the
                                                                                                                                       PHOTO, JACKIE BENNETT

your mind?                                                       heart of what matters most to you and “helps you get clarity
  Where meditation usually involves deep, deliberate             from a gut feeling versus just a thinking sense.”
breathing, visualization can take you to a solitary mountain        Chadnick says visualization can focus your attention and
top or tropical beach to relieve stress or re-energize. Guided   keep you on your game. You could create a visual of how great
visualization can be a form of meditation and is sometimes       it will feel to cross the finish line, being your most fit, running
used to promote healing or ease pain, but it can do much more.   with others, and more.

14
Don’t forget your feet
                            “Visualizing can change
                                  your brain in the
                                                                                            IF YOU WANT TO LIVE AN ACTIVE LIFE,
                                                                                                PAY ATTENTION TO YOUR FEET

                            moment, spur a shift in
                              your overall chemistry                               “Foot health is important as we age because being pain
                                                                                   free, active and having good balance can prevent injuries
                               and open you up to                                  and falls,” says registered chiropodist Pauline Looi.
                                                                                     Looi, who operates out of Wishing Well Physiotherapy,
                              better thinking, feeling                             Chiropractic and Foot Care Clinic in Stouffville, Ont., and
                                                                                   the Ajax Foot Clinic & Orthotic Centre, also in Ontario, says
                               and emotional states                                when your feet are too sore to walk or hike, you can lose
                                                                                   strength and be at a higher risk for falls, sprains and bruises.
                              that encourage you to                                   Patients, Looi says, old and young, come in with persistent
                                                                                   foot problems they thought might go away, but never do. If
                           take more risks and ‘lean                               something is unusual with your feet, have them checked to
                                                                                   prevent serious problems such as chronic ankle sprain, heel
                             in’ to reach your goals.”                             pain, plantar fasciitis or pressure and diabetic ulcers.
                                                                                     Remember, too, that feet change structure over time, she
                                                   —                               says. Proper socks and footwear are important, particularly
                                            Eileen Chadnick                        for hiking.
                                                                                     Nobody appreciates that advice more than Flicia Devaux
                                                                                   (District 16 Toronto) who regularly hikes the Bruce Trail. She
                                                                                   says she’s “addicted” to the fitness, camaraderie, natural
                                                                                   beauty and healing qualities of hiking.
                                                                                     The Bruce Trail, the oldest and longest continuous
                                                                                   footpath and hiking trail in southern Ontario, stretches from
                                                                                   the Niagara River to Tobermory and features waterfalls,
                           STAND TALL WITH RTO/ERO COVERAGE                        canyons, rivers and all manner of scenic wonder. If you’re
                           The Extended Health Care Plan’s Paramedical             visualizing being your best fit self, there are few sublime
                           Practitioner Benefit and the Aids and Appliances        settings its equal.
                           Benefit provide foot-care coverage.                       Starting is easy, companions are plenty and
                                                                                   the positive endorphins hiking generates
                           PARAMEDICAL PRACTITIONER BENEFIT PROVIDES:              can be “soooo uplifting that happiness is a
                           • $1,300 per insured person per calendar year           natural state of being, and problems are
                             for 17 practitioners combined, including              easily solved,” Devaux says.
                             chiropodists and podiatrists. Foot-care services        “It’s an amazing way to enjoy what
                             provided by a registered nurse are also eligible.     nature has to offer because most of
                           • A separate maximum of $30 per calendar                the time you are on less travelled
                             year for one X-ray by each of a chiropodist,          paths surrounded by beauty that is
                             chiropractor, osteopath or podiatrist and up to       constantly changing,” she adds.
                             $100 for surgical services such as the removal
                             of toenails or excision of plantar warts by a
                             chiropodist or podiatrist.

                           AIDS AND APPLIANCES BENEFIT PROVIDES:
                           • Custom-made orthopaedic shoes (not part of a
                             brace) including orthopaedic modifications to
                             stock-item shoes and orthotics to a combined
                             limit of $500 per insured person every two
                             consecutive calendar years.
                           • Orthopaedic shoes that are attached to, and
ILLUSTRATION, GOODSTUDIO

                             form part of, a brace.

                           TO SUBMIT A CLAIM:
                           Provide receipts including the service provided, date
                           and cost of treatment, and name, title, designation
                           and registration number of the provider.

                                                                                                                                 Spring 2019     15
health matters

Plant                                                                         Houseplants deliver unexpected
                                                                              physical and psychological benefits.

power                                                                                                        by Stuart Foxman

                                                                                         Air freshening isn’t a houseplant’s only
                                                                                       health boost. Did you know that foliage in
                                                                                       your home is a natural relaxant?
                                                                                         A study in the Journal of Physiological
                                                                                       Anthropology showed that interacting with
                                                                                       indoor plants can reduce physiological and
                                                                                       psychological stress. That happens through
                                                                                       suppressing sympathetic nervous system
                                                                                       activity and diastolic blood pressure. Quite
                                                                                       simply, indoor plants comfort and soothe.
                                                                                         It makes sense that watering and
                                                                                       pruning can be therapeutic. After all,
                                                                                       caring for any living thing is rewarding.
                                                                                       Beyond enhancing your mood, indoor
                                                                                       plants can also spur your efficiency.
                                                                                         Sophie Lee, author of Living with Plants:
                                                                                       A Guide to Indoor Gardening, cites studies
                                                                                       showing that indoor plants improve
                                                                                       concentration and productivity.
                                                                                         One study at Texas A&M University
                                                                                       found that people’s creative performance,
                                                                                       idea generation and problem solving all
                                                                                       improved substantially in workplaces
                                                                                       with flowers and plants. Another study in
                                                                                       the Journal of Environmental Psychology
                                                                                       suggested that having indoor plants around
                                                                                       can increase attention or, at least, prevent
                                                                                       fatigue during tasks that demand focus.
                                                                                         Indoor plants can even aid in recovery
                                                                                       from illness. A study described in
                                                                                       HortTechnology looked at a group of
                                                                                       patients recovering from appendectomies.
                                                                                       They were randomly assigned rooms with
                                                                                       or without plants. Those in the plant rooms
With spring comes gardening, a popular and healthy hobby. All that digging,            took fewer pharmaceuticals, had lower
planting, weeding and mulching gives you a workout. According to WebMD, an hour        blood pressure and said they had less pain,
of gardening burns 200–400 calories. But you don’t need to step outside to get the     anxiety and fatigue.
health benefits. Indoor plants can be great for your body and mind, even without the     Houseplants also have many practical
physical activity.                                                                     health uses. Get an aloe vera plant, and you
  Start with air quality. The David Suzuki Foundation notes that indoor plants         can use the gel in the leaves as a topical
absorb contaminants including benzene and formaldehyde, and that plant-filtered        medication for burns and sores. Or have
rooms have 50–60 per cent fewer airborne microbes (like mould spores and bacteria).    fresh herbs for cooking by getting some
  Dr. Bill Wolverton, who wrote How to Grow Fresh Air and did an experiment for        basil, chive, bay laurel, mint, oregano,
NASA using plants to detoxify space station environments, recommends at least two      thyme or parsley plants — all easy enough
sizeable plants per 100 square feet of indoor space.                                   to grow indoors.
                                                                                                                                          PHOTO, NUKUI CHANADA

  What works best? Health and gardening experts tout the golden pothis, bamboo           Not everyone has a yard, and some people
palm, dragon tree, rubber plant, spider plant, potted mums, red-edged dracaena,        may find gardening outside too taxing.
philodendron and Boston fern.                                                          No matter. You can still enjoy the health
  “Indoor air isn’t the healthiest all the time. Plants are the most beautiful air     advantages of house plants — something to
purifiers,” says Jessie Kee, seasonal plant product manager at Sheridan Nurseries in   care for, that cares for us too — in any season.
Georgetown, Ontario.                                                                   So bring the great outdoors indoors.

16
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health matters

Changes to your                                                                                           Here’s what’s
                                                                                                          new for 2019.

health plan
                                        For more information, visit rto-ero.org and search for “Group Benefits Update.”

     1                                           RTO/ERO plans continue to
Best Doctors
All services provided by Best Doctors
                                                lead the education sector —
have been extended to include your
parents, parents-in-law and children,
                                                 and a top member benefit
even if they are not insured under
your Extended Health Care Plan.

     2
Medical e-records
We’ve made it easier to access your
medical e-records. Best Doctors
will collect all your medical records
and put them on a USB key so you
can take your records with you and
access them on the go whenever you
need to.

     3
Eldercare Select
Eldercare Select services will no
longer be offered as part of your
Extended Health Care plan. Instead,
similar assistance is available
through Best Doctors 360°‰.
You can receive condition-specific
website links and articles, physician
biographies and contact information
for specialists, groups, associations
and facilities to help you with your
specific medical needs.

     4
                                                                                                                          ILLUSTRATION, COSMAA

Dental claims
Dental Plan reimbursements have
been updated to reflect the 2019 fee
guide for general practitioners.

18
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• 200 MB 400 MB of shared data usage*
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• 200 400 shared Canada-wide minutes*                                                                                                        2-year term
• Unlimited messages (Canada & international)                                                                                                $
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• Unlimited Canada-wide talk and text
  between both users

                                                            Other plans and phones available

                            Planning to leave the country soon? Our Canada/U.S. plans and
                           Travel packs provide an affordable and seamless travel experience.

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feature

20
feature

by decision
or by design

    Meaningful connections enrich our lives and
    invite us to explore the world on a more intimate level.

                                            by Alison LaMantia
                             photography by Cylla von Tiedemann

                                                 Spring 2019   21
D                             avid Phipps
(District 16 Toronto) is a decade from
retirement and deeply committed to his
work as Executive Director of Research and
Innovation Services at York University. But
that hasn’t stopped him from preparing for
life after work — by taking adult ballet at
Canada’s National Ballet School in Toronto.
   “I felt if I wanted to be meaningfully
                                                 Social planning on pointe

                                                 The relationship Phipps is building with Canada’s National Ballet
                                                 School is about more than social integration or even fitness — he’s
                                                 seeking a deeper connection that gives him purpose and supports his
                                                 overall wellbeing.
                                                   “Any time you work out, it’s sharpening the mind. Ballet is also about
                                                 the spirit. It’s not about turning us into dancers, but the identity of
                                                 dancers. It’s about how we feel,” says Phipps.
                                                   He’s also drawn to the school’s community focus. He sees opportunities
                                                 to use his professional skills to help others create connections and
                                                 stay committed.
                                                   Phipps has done adult ballet at other points in his life but says
                                                 experience isn’t necessary and you can join at any age.
                                                   “The ballet school is a diverse and welcoming environment. We have
engaged in retirement, I couldn’t just show      adult dancers from 18 to 81 years old, with all levels of experience. But
up at 65 and expect the world to embrace         we don’t have enough men. Men should absolutely not feel embarrassed
me,” says Phipps. “I’m setting the stage for     about trying ballet,” Phipps says.
when I can engage fully.”
   Phipps watched his father’s decline
after retirement and decided he wanted a           “Any time you work out, it’s sharpening
                                                  the mind. Ballet is also about the spirit. It’s
different future for himself. He knew he
needed to take action to be ready to replace
the intense connection he has to his work.
   “My father had a financial plan for
                                                  not about turning us into dancers, but the
retirement but no social plan,” explains
Phipps. “He’d chew through all sorts of social
                                                 identity of dancers. It’s about how we feel.”
things but never do anything for more than
six months. Ultimately, I think he got into
a depression. He had lost all the joy in his      Follow David Phipps’ ballet adventures on Twitter @davidballet.
life. There’s enough of my dad in me, and         Class information is available on Canada’s National Ballet School’s
I was very conscious I did not want that          website nbs-enb.ca/Classes/Adult-Classes.
retirement experience.”

22
THE POWER OF CANINE
                                                                                                           COMPANIONSHIP

                                                                                                           There’s a reason dogs are called
                                                                                                           “man’s best friend.” Sure, they’re
                                                                                                           companions, but for many
                                                                                                           people, the companionship
                                                                                                           goes far beyond unconditional
                                                                                                           love — their dogs provide
                                                                                                           critical support as service dogs.
                                                                                                              COPE Service Dogs, an
                                                                                                           Ontario-based charity, has
                                                                                                           taken the idea of service-
                                                                                                           dog training a step further
                                                                                                           through the organization’s

                             Research links relationships                                                  Canines in the Classroom
                                                                                                           program. Students in some

                                with living a good life                                                    Simcoe County District School
                                                                                                           Board schools can earn high
                                                                                                           school credits while they
                                                                                                           learn essential literacy and
                             Perhaps the best-known study of the important role that relation-             workplace skills by training their
                             ships play in our lives is the Harvard Study of Adult Development,            furry workmates to become
                             which has run for more than 80 years. Initially, data was collected           service dogs in the community.
                             from male Harvard students and males living in inner-city Boston.                “COPE has taught me about
                             It’s since been expanded to include offspring of the original study           leadership and has made me
                             participants, women included.                                                 more confident because I’m
                                In his 2015 TED Talk, Dr. Robert Waldinger, the study’s current            training the dogs for a good
                             director, highlighted the correlation the researchers uncovered               cause,” explains Clayton, a
                             between supportive relationships and flourishing lives. Learn                 student in the COPE program.
                             more and find the TED Talk at adultdevelopmentstudy.org.                      “I love the dogs, and they love
                                                                                                           me back. What I have learned
                                                                                                           will help me when I become
                             Embarrassment is only one reason that could prevent someone from              a parent.”
                           pursuing an opportunity that may enhance their life. For Ann Spicer,               Visit copedogs.org for
                           (District 7 Windsor Essex), it was reticence.                                   more information.
                             When Spicer’s son broke the news that he had discovered she has four
                           half-siblings in England, she was reluctant to reach out. She was happy
                           with her life and wasn’t sure she wanted to get involved in what could be a
                           difficult situation.
                             Spicer’s son was communicating with her brother through Facebook
                           Messenger, and he shared the messages with her.
                             “I was reading what my brother was saying, and he sounded like a very
                           nice man,” she says. “He was funny, and his grammar was good. So, after
                           three weeks of reading, I joined the conversation.”

                           Building a new long-distance family relationship

                           The siblings began exchanging regular emails and text messages. The first
                           in-person meeting happened the same year, when Spicer’s brother and his
                           family came to visit Canada. Spicer has since travelled to England twice
                           and has hosted her sister and brother-in-law for Thanksgiving.
                             “Within minutes of meeting each other, we were kidding around and
ILLUSTRATION, GOODSTUDIO

                           being silly,” remembers Spicer. “I think the reason I felt so comfortable is
                           that they all like each other. And they were more than happy to welcome
                           me into the group.”
                             Spicer’s focus is on building the relationships. “I don’t have a long time,
                           but my kids and grandkids will have a full lifetime of relationships. That’s
                           probably the biggest impact it’s had on my life — knowing this will
                           extend the family.”

                                                                                                                             Spring 2019    23
feature

24
feature

you reinvented
       Embrace a spirit of adventure and put
    your passions to work in a second career.
                               by Jennifer Lewington
             illustrations by Lesha Petrick & Miniwide

                                       Spring 2019   25
A                   n adventurous outlook
     on life fuels Judy Keightley.
        Shortly after they married in the early
     1970s, Zambia-born Judy and husband
     Philip Keightley left England, buying a
     used Land Rover to travel overland to
     South Africa, where they then lived for
     three years.
        When Philip was posted to Iraq for
     a civil engineering contract in the

                                                     “They are leveraging
     1980s, the couple raised their family in
     war-torn Baghdad.
        By her late 30s, with four children
     in tow, Keightley earned her teaching
     degree. In 1992, the Keightleys moved to
     Canada, where she taught for 30 years
                                                  their abilities in a new and
     in Lambton County, Ont., while also
     winning favourable reviews as a published     good way, and they are
                                                    going to be the boss.”
     playwright and author of the Rose Blair
     mystery series.
        So, when she closed the classroom
     door for the final time in June 2018, why                     —
     wouldn’t she embark on a new adventure                Catherine Connolly
     in retirement?

26
Breaking ground

                                                               In Bayfield, a picturesque village on the shores
                                                               of Lake Huron where the Keightleys have lived
                                                               for 12 years, the couple recently purchased a
                                                               22-acre property to develop a winery and a
                                                               seniors-friendly subdivision of 23 bungalows
                                                               and attached units.
                                                                  “Philip and I have never sat still; we have
                PERCENTAGE OF SENIORS IN THE                   always had projects,” says Keightley, now writing
                WORKFORCE, BY PROVINCE & TERRITORY 1           her seventh Bayfield-based mystery. “We thrive
                                                               on challenges.”
                                                                  She is among a number of retired teachers
    40%                                                        pursuing second careers by choice, not
                                                               financial need, often tapping the same creative
                                                               abilities and people skills they honed in the
                                                               classroom.
                                                                  For example, Shannon McMullan (District 4
                                                               Sudbury & Manitoulin), concluded a
                                                               35-year career in 2008 as a music and drama
    30%
                                                               teacher in Ottawa and Brockville, Ont., and
                                                               moved to Manitoulin Island, a longtime
                                                               summer destination where her mother ran a
                                                               well-known fine-art gallery for almost 40 years.
                                                               Active in local amateur theatre, McMullan
                                                               became a partner in Perivale Gallery with her
                                                               mother, who died in 2012, before taking over as
                                                               owner and curator.
    20%                                                           Open from May to mid-September, the
                                                               gallery offers art classes and sells contemporary
                                                               works from artists on Manitoulin and beyond.
                                                               McMullan was recognized in 2018 as “tourism
                                                               innovator of the year” by the Northern Ontario
                                                               Tourism Summit for “outstanding efforts” to
                                                               promote the region to visitors.
    10%                                                           Meanwhile, in Sault Ste. Marie, Ont., veteran
                                                               music teacher Ken Piirtoniemi (District 3
                                                               Algoma), retired since 2006, runs his own
                                                               publishing company, Lifelong Music, selling
                                                               his popular compositions for school bands and
Full time                                                      ensembles. A tuba player and occasional supply
                                                               teacher, Piirtoniemi is also a brass instructor
Part time
                                                               at Algoma University and the Algoma
                NU YT NT SK AB PE MB BC ON NS NB QC NL         Conservatory of Music. An accomplished tree
                                                               feller from his youth working in bush camps in
             Statistics Canada, Census of Population, 2016.
            1
                                                               northern Ontario, he also cuts trees for himself
                                                               and his neighbours.

                                                                                              Spring 2019    27
PERCENTAGE OF SENIORS IN
                    THE WORKFORCE, 1980 TO 2015 2

1980   4.7 ⁄ 9.3
1985   4.0 ⁄ 7.9
1990   4.4 ⁄ 7.4
1995   3.4 ⁄ 6.7
2000   3.6 ⁄ 7.3
2005   4.4 ⁄ 9.0
2010   5.5 ⁄ 11.1
2015   5.9 ⁄ 13.8
             0%                           5%                         10%                           15%                       20%

                      Full time
                                                              Statistics Canada, Census of Population, 1981, 1986, 1991,
                                                             2

                      Part time                                1996, 2001, 2006 and 2016; National Household Survey, 2011.

       Motives for working

       All three retirees are “great examples of                 pensions compared to retirees forced to work
       the entrepreneurial spirit” among working                 into their 70s to offset inadequate savings and
       seniors, says Catherine Connolly, a Canada                meagre pension benefits.
       Research Chair in Organizational Behaviour                   Adults also live longer, healthier lives
       at McMaster University in Hamilton, citing a              than previous generations, he adds. “We are
       desire for “variety, change of pace, structure,           undoubtedly going to see this [second-career
       social interaction and meaningfulness” as “pull           retirement] trend continue ... a big chunk of us
       factors” in choosing to work in retirement.               will keep working [past 65].”
          These retirees can forge their own paths in               At 66, Piirtoniemi has written almost 60
       activities suited to their age and experience, she        works for concert bands and arranged music
       says. “They are leveraging their abilities in a new       for solo parts. His first published work,
       and good way, and they are going to be the boss.”         Superior Fanfare, proved so popular that other
          A recent census study by Statistics Canada             publishers asked to reprint the music.
       found that 13.9 per cent of Canadians aged                   On the advice of a business teacher,
       65 and older were working in 2016, up from                Piirtoniemi set up his own publishing firm in
       8.4 per cent in 2001, with seniors with a                 2000 to sell his copyrighted music to schools
       bachelor’s degree or higher and those without             and others, from beginner-level to experienced
       private retirement income more likely to work             musicians. His niche business gives him full
       than others in their age group.                           control over his work instead of selling to an
          “This is a secular, deeper trend,” unrelated           established music publisher.
       to economic cycles, observes Mikal Skuterud,                 His post-retirement career “is fulfilling the
       a labour economist at the University of                   creative urge I have always had ... it is a form of
       Waterloo. Teachers, he notes, are among a                 self-satisfaction,” says Piirtoniemi. “I can’t see
       dwindling minority of retirees with solid                 sitting somewhere idle.”

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