The Senior Station Rocked on the 2nd day

We all had such a blast at The Senior Station as everyone lustily sang our all time favourite tunes. ‘It’s Long Way Tipperary’, ‘Jamaican Farewell’ , ‘Country Roads’, and ‘Oh My Darling Clementine’ were among  the many songs we sang today. Dr. Yusry Mohideen volunteered to bring his guitar and conducted the sing-along. He was such a hit, as he got everyone tapping their feet and clapping their hands, while they joined in the singing. The grand finale was the baila song ‘Surangani’ – And the belle of the ball was Ms. Sheila who took to the floor and had everyone ‘floored’ with her zesty dance steps. So inspired were all the other members that soon everyone joined in and it turned out to be quite a party!!

But there were many more activities lined up that filled up our morning. Members were introduced to breathing exercises and were taken through the many benefits of doing these every day.  The exercises really brought energy into the group. They all heartily shouted out their positive affirmation ‘I feel like GOLD’. This was followed by some challenging mental games – a memory game and a round of Sudoku. The competitive spirit was awesome and we were amazed by how enthusiastic everyone was while cracking the puzzles.

Three cheers once again to all our wonderful seniors!

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Get set go….The Senior Station takes off

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What an amazing morning it was!! We hosted the inaugural session of The Senior Station today. What an encouraging turn out it was with participants coming from Colombo and as far as Moratuwa. Everybody came with open hearts, ready to make new friends and participate in a fun-filled morning. We started out with an icebreaker in which everyone introduced themselves with their nick names and a line or two about themselves. ‘Bunny’, we found out, had an amazing voice, and was happy to entertain everyone with his melodious voice.

Thereafter, we moved on to a game of Bingo. We had two winners-they were Raja and Rajan who walked away with prizes. They immediately became friends. Soon after everybody got into groups and donned their thinking caps because it was ‘Quiz Time’. It was a tough competition: And we were amazed by the wealth of knowledge. The winners were the group, ‘Super Six’. They got an incredible 18 out of the 20 questions right.

The session ended on a friendly upbeat note as participants moved around the room getting to know each other over a cup of tea and some treats.

A big HOORAY for all the lovely Seniors that made this morning a such a success!

A few comments that made us happy

Darshini- The session was wonderful, looking forward to next session.

Sheila- I enjoyed this session and I thank you from the bottom of my heart.

Indrani- Enjoyed every minute. Hoping to come next time. Also thank you for organizing this.

Claude- Great start. Very courteous and friendly organizing team. Should gather momentum with time.

Dolly- Was good to meet people and have a fun morning. So well organized.

Nihal- Both my wife and I were fascinated by your inauguration programme. It was indeed an enlightening programme, which kept us alive. I would like to suggest that you have more quiz sessions to keep the mind active and a musical session where I will volunteer to bring my electric organ.

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The Senior Station Centre!

Announcing the Launch of The Senior Station Centre!

We at The Senior Station are embarking on a new initiative in our endeavor to enrich the lives of   our golden generation. We started out as an online platform to share information about issues that are relevant to seniors. Now, we are taking that initiative a step further by establishing a centre where seniors can enjoy a few hours of fellowship and entertainment each week.

Over the past year and a half, since we started The Senior Station blog and Facebook page, the feedback we received showed us that the need of the hour was for a place where seniors could get together and spend a few engaging hours. Establishing such a centre is a pioneering effort in Sri Lanka, and it’s been many months of planning and hard work by our team; now we are ready to roll out the first such centre by The Senior Station.

At The Senior Station, a diversified two hour program of recreational and skills oriented activities is planned to meet the needs and interests of seniors. We will encourage members to break inhibitions, engage with each other, and establish friendships. The centre will be open every Tuesday morning from 10.00 a.m. to 12.00 p.m., starting from the 16th of January 2018.While the Senior Station Centre will be run on a not-for-profit basis, a nominal fee will be charged to cover our costs.  Our very first centre will be set up at the premises of the CHA Foundation at No. 5 Gowers Street, Colombo 5.

So, if you consider yourself a ‘senior’, or if you have an elderly person in your care who would like to join the Centre, then please call us for more details  on (Mobile number ) or email us at  theseniorstation@gmail.com

‘The Senior Station’ – Staying Engaged

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Making Travel Easy and Fun for Seniors

Leisure travel, be it a weekend getaway, a pilgrimage, a visit to friends or family, or a holiday to new places, is a great way to relax.  Travel can be fun, exciting and rejuvenating. What’s more it really helps broaden our horizons and expand our knowledge as we discover new places in Sri Lanka and abroad.  Irosha Wijetunga of Travel Concepts, has a few tips for the readers of The Senior Station which can help make travelling far more easy and enjoyable for elders.

The first thing Irosha recommends is to evaluate your choice of destination. It is important to consider what you want out of your holiday – relaxation, adventure, discovery, or a spiritual retreat. You must consider your budget and physical capacity as well.  For example, discovering new places does necessarily have to entail travelling to far flung places. You will find lots of new places to visit in and around Sri Lanka that can be relatively easy on the wallet and not so difficult to get.

  • Avoid peak travel seasons like school holidays when booking your vacation. Tickets and accommodation become more expensive during that time and places tend to be far more crowded
  • Plan to spend a few days at each place if you are travelling to more than one location so that you have time to relax and really enjoy each destination
  • Cruising is a beautiful way of travelling for seniors where one can experience the world at an easy pace. It’s a trip full of entertainment, as well as an opportunity to make new friends. Tour groups are also recommended especially for those travelling alone.

Some things to remember when travelling overseas: 

  • Always take a few extra copies of your travel documents with you along with a clearly marked sheet that has the details of a friend or relative to be contacted in unexpected emergencies
  • Also carry a set of instructions, checklists or reminders written in bold lettering. This will help you avoid mishaps like losing documents and ensure smooth travel
  • It helps to book an aisle seat onboard a plane or train in order to move freely if necessary. Sitting in one place for long periods may cause blood clots, and so flexing your calves and feet, and moving about occasionally would be advisable
  • At airports elders travelling with pace makers should not go through metal detectors. Instead they should inform the security personnel so that they can be screened separately.
  • Notify security personnel about patients who have diabetes and are carrying supplies such as vials, syringes, jet injectors, epiPens, infusers or insulin pumps. Insulin in any form or dispenser must be clearly identified.
  • Never place important medication in checked baggage as they can get lost or delayed. However remember that any liquid carried in hand luggage which is over 50 ml will need to be screened separately. Placing medication in separate clear plastic bags with the details clearly tagged is an idea to consider
  • It is also a good idea to include a list of allergies, medication and dosages, just in case a doctor’s visit is needed during your trip.
  • Should you require any oxygen, etc. onboard please ensure a formal medical form is signed by your physician and given to the airline at least 48 hours prior to your departure or you may be refused boarding
  • Personal wheelchairs, walking sticks and other mobility aids need to be clearly marked. Certain walking sticks may not be allowed onboard so ensure that this is verified with the airline office or at the check-in counter prior to arrival at the gate
  • Wheel chair facilities are not meant for the disabled only. Walking in airports can be long and tiring, and all elders are entitled to this facility. The airline must be contacted prior to travel to avail of the facility which includes other airport assistance like carrying your baggage off the belt and taking it to the point of exit. Passengers maybe charged an extra fee for such assistance though

Checking in to a Hotel 

  • When booking rooms in a hotel, you may want to request for rooms in the ground floor level wherever possible. It makes movement so much easier. Of course one would need to make these requests in advance to avoid disappointment
  • Upon check-in always get a card from the hotel with their address just in case you lose your bearings when returning after a tour
  • Ensure that you store your valuables in the locker provided
  • Also always get familiar with the fire exits as you check-in

Travel Insurance 

  • Insurance is highly recommended for travel and health, and most insurance companies provide policies for passengers up to the age of 70 without much effort. For those above the age of 70 however, the options are limited.
  • Paying for your air ticket by credit card is one way of obtaining a free insurance policy. It is however important to check with the issuing bank if there is an age limit applicable and what exactly is covered when obtaining these policies
  • It is also vital for the policy to be valid for minimum of one month beyond the scheduled return date. This will help if in case your return date is extended due to unavoidable circumstances

On a closing note don’t let planning a holiday seem like a complicated task. Putting everything together can also be a lot of fun. And once these systems and checks are put in to place they are easy to follow through on each subsequent trip. So just decide on where you want to go and never look back!

For more information on travel and bookings of flights and hotels please contact Travel Concepts directly on the numbers below.

TRAVEL CONCEPTS Private Limited

TEL : + 94 11 2793700 / 2793800
FAX : + 94 11 2792137

MOB : +94 772 637997

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Getting The Best Out of Insurance

In the second of our series on investments for seniors, Chamila Nagendran, Managing Director/CEO of Infinity Trust Wealth Advisors (PVT) Ltd. talks about the need to invest in an insurance policy. The insurance options available to senior citizens reduces with advancing age, it therefore makes sense to acquire cover as early as possible.

What are the Insurance policies available for seniors? For example after 50 is it possible to get medical or life cover. If not at what age would you consider getting insurance in order to reap the best out of the available policies?

Most of insurance companies prefer clients who are less than 60 years since there is a lesser risk of illness compared to seniors. However, many insurance companies do provide an insurance cover for seniors with a higher cost and after a health check up.

We need health insurance because we cannot predict what our medical bills will be. Given the high cost of healthcare, having a health cover protects us financially in the event of an unexpected serious illness or injury.

What should a senior look for in a medical cover?

  • Maximum age limit they could continue a health cover
  • Premium of the health cover compared to the benefits and limitations of the health cover
  • Claim procedures (is it a reimbursement or will they settle the full bill directly to the hospital)
  • Exclusions (such as will it cover dental surgeries)

Can a person integrate different policies together? If yes, then how is it beneficial to get more than one policy?

Yes one can integrate different policies and create a unique cover for oneself. Ever-so-often people integrate a life cover along with health cover. Most of the life covers are include an investment strategy to provide a lump sum amount after a long period of insurance.

Till what age do the medical policies provide cover? Are policies something you renew every year or are they valid for a couple of years? Also can you get lifetime cover?

Normally all medical insurance providers initially grant cover for a period of 12 months. Thereafter, we can renew the policy annually up-to the required number of years.

Does the premium increase with age?     

There are a number of factors that influence the annual increase in premiums. The main reasons though, are medical inflation and the increasing age of the insured person which increases the chance of illnesses or injuries.

How do deductibles normally work?

By having a deductible there will be a reduction in the premium payable by the member. A deductible will be applicable on an annual basis and depends on the claims made by the member.

Many people don’t have medical insurance. What are the best policies available to seniors in Sri Lanka internationally and locally? Is it a good idea to get international cover as opposed to getting only local cover?

When one gets international health cover, usually the member can get medical treatment locally as well as in hospitals located overseas, and the limit of cover is very vast and substantial. Local cover is applicable only for treatment in local hospitals and limits of cover are not very much in comparison. This is because there is a huge difference in the price of medical care in Sri Lanka and abroad.

If you are unable to get a cover due to medical reasons are there any other options available for seniors?

If an insurance provider declines a client’s application for cover there is unfortunately no other option available for a senior citizen to obtain medical cover.

At the time of cashing in your life policy, what are the options for re-investment?

Some prefer to reinvest their money into another insurance cover; however this could depend on person to person.

How does travel insurance work for young seniors and older seniors (75 and above)?

Travel cover can be obtained form the age of 18-70years.  Following options are available to prospective client.

Annual cover – The member can make any number of trips but in each trip minimum stay of 30 or 45 days should be adhere to.

Single trip cover – cover can be obtained only for a stay overseas for a particular number of days required by the member.

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The Senior Station investment specialist

Chamila Nagendran is the Managing Director/CEO of Infinity Trust Wealth Advisors (PVT) Ltd. She is a financial professional with over 20 years experience in the banking and finance sector in Sri Lanka, as well as in the United Kingdom.  She is a qualified independent financial advisor from Charted Institute of Securities and Investments London.

Over the last 7 years she has been engaged in client relationship management, providing a range of financial services. She is passionate about providing holistic financial advice so that her clients can achieve their financial goals and dreams. She says that working together with her clients and being part of their financial success gives her great pleasure, which keeps her motivated and encouraged as she takes on this very demanding yet rewarding career.

Chamila has considerable experience working with clients who want to manage their retirement investment portfolios. Through a series of frequently asked questions, she has shared with The Senior Station some useful pointers and tips which can help seniors in managing their financial assets.

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Invest for a Secure Retirement

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What are the first things to consider when one wants to plan one’s retirement?

First thing to consider is savings savings savings! Someone who’s thinking of their retirement hopefully is still working. Best thing to do is start saving the excess between your income and expenditure. It’s best to have an idea of your retirement needs so you have a target as you save.

The traditional equation is Income – Expenses = Savings

But I recommend Income – Savings = Expenses

This way you decide how much you are going to save and manage expenditure accordingly.

Expert says you need about 70% of your pre-retirement income to maintain the same lifestyle.

Does retirement necessarily mean a dip in lifestyle options?

Not at all. If you start as early as possible and plan your retirement smartly, the compounding effect will make sure you get there without putting away large sums of money. However, if you haven’t started yet, it’s never too late to save, you will only have to bear the cost of delay. The longer one takes to plan, the more investments might be needed in order to achieve your objective. Retirement means you have more time to enjoy your remaining life and that’s why it’s important to plan way ahead when you are at a peak of your career and earning capacities.

Does a retirement plan vary hugely between a young retiree (about 60 years) and an older senior (70 years and above)?

The risk appetite a typical client will take varies according to age. There will be a variation in the planning process. It depends on the individual circumstances too.

What is an ideal investment mix for retirement which will give us an assured monthly income and  a decent standard of living? Would this result in depreciation of assets/capital over a period of time?

A typical mix for a retired senior would be 20% in to equity based investments to beat inflation where you don’t have to eat in to capital over time and 80% in to fixed income based instruments. This again can be broken in to 60% to be invested in top rated finance companies and 40% in to banks. Your 20% invested in equities will over time grow more than the remaining 80% of your fixed income and will prevent capital erosion.

This typical mix can change again according to individual circumstances.

Does such an investment plan allow easy liquidity for unexpected calamities?

The need for liquidity is the reason why majority of the funds on a typical senior citizen plan are placed in fixed income asset classes. Also when investing in fixed income components we recommend larger deposits divided in to smaller amounts. This way you don’t uplift the whole fixed asset base and will not be subjected to additional penalties.

Do banks give special rates for senior citizens?

Yes banks and finance companies give an additional 1% to senior citizens as compared to normal citizens. Also there is a government stipulated scheme from all banks where senior citizens get a higher rate of interest on deposits of up to Rs 1 million. (Soon to be increased to 1.5%)

The stock market has been very shaky in the past couple of years? Why would one want to invest in it?

Stock market returns are not like fixed income returns. One has to be able to invest in the share market with a long-term view and with no immediate need to liquidate. If you take past performance in Sri Lanka as well as globally, stock market returns have out performed fixed income returns in the long term. Being in share market is mandatory to beat inflation and to preserve wealth. However the status of the market when you enter in to it will significantly impact your investment plan. You need to have holding power and should be able to be there for the long run.

Are there any tax benefits for senior citizens?

There is no withholding tax for senior citizens on their savings and fixed income investments.

What is considered a long term period for an investment for a senior? How would that vary with the age of the investor and the amount they have to invest?

A maximum of 5 years is considered long term for a senior citizen. Investment planning is an ongoing process and more time in hand will give better returns with less risks, and with even small regular investments.

If an instrument gives very attractive interest rates should we lock in our money for a long period?

Yes, if the instrument is above the bench mark and the company providing it has solid financial records, I would say locking in for long term is advisable. Maximum term should be 5 years depending on the strength and stability of the institution.

Many pensioners have lost their life savings to fraudulent schemes. How does one protect their savings from such instruments?  Are ratings of these institutions available to the public?

 It is always advisable to seek professional advice from a reputed qualified independent financial advisor. Having a no obligation chat with one of them will provide you with a lot of options to consider. Rating reports are definitely available for the public however understanding the content might not be easy for everybody. One should never invest with financial institutions which are not registered with the Central Bank. A lot of fraud and misleading of public have been under taken by institutions which were not registered with Central Bank.

What is the role of an investment  manager and what are the benefits of employing one?

 Investment management involves the professional management of various financial securities and assets belonging to an investor for the purpose of earning maximum benefits. It involves setting investment objectives, formulating an investment plan and establishing of the portfolio strategy.

The typical role of an investment manager/advisor is to:

  • Discern the best strategy for investors,
  • Analyze status of finances and assist in asset allocations, monitor investments on an ongoing basis,
  • Help gain maximum benefits from investments,
  • Provide advice on investment areas and finally handle investor decisions and investments with the utmost discretion.

Every individual Interested in securing his or her future through investment, should consider employing an investment manager or advisor to have a planned approach to their future.

The Senior Station Investment Specialist

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Chamila Nagendran is the Managing Director/CEO of Infinity Trust Wealth Advisors (PVT) Ltd. She is a financial professional with over 20 years experience in the banking and finance sector in Sri Lanka, as well as in the United Kingdom.  She is a qualified independent financial advisor from Charted Institute of Securities and Investments London.

Over the last 7 years she has been engaged in client relationship management, providing a range of financial services. She is passionate about providing holistic financial advice so that her clients can achieve their financial goals and dreams. She says that working together with her clients and being part of their financial success gives her great pleasure, which keeps her motivated and encouraged as she takes on this very demanding yet rewarding career.

Chamila has considerable experience working with clients who want to manage their retirement investment portfolios. Through a series of frequently asked questions, she has shared with The Senior Station some useful pointers and tips which can help seniors in managing their financial assets.

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FITNESS FOR OLDER WOMEN

– By Sajeda Akbarally

There has been much written about men- issues pertaining to men, exercises for men etc. Most of my work in the fitness area is with women. So, I thought I would dedicate this article to women, a specific group of women – the older women. You can decide whether you fall into this group J. Many “older” women ask me whether they are too “old” to start exercising. You are never too old!

Did you know that? :-

  • After the age of 30 women lose approximately 3kg of muscle mass in every succeeding decade of life.  For people whose diet is inadequate this figure can be as high as 20% to 40%.
  • Women who are inactive, and who have poor dietary habits run a higher risk of osteoporosis in later life.
  • A woman’s risk of death from heart disease, usually due to a poor lifestyle, increases by approximately 400% after menopause. The rate of stroke also increases dramatically at this time in life.
  • Women with diabetes at any age are at a significantly higher risk of developing heart disease and stroke than those women who do not have diabetes.

There is considerable evidence to support the theory that exercise works directly to improve your health, lower the risk of developing life-threatening problems and provides an added indirect benefit of keeping your weight down.

So what is the recommendation?

Many health professionals recommend that older women engage in regular cardiovascular exercise (e.g. walking, cycling, swimming) as well as regular strength training.

In order to counter the natural muscle wastage  (3kg every decade after age 30) you need to perform some degree of strength training. This will help preserve, if not, increase muscular strength and endurance, particularly in the leg and hip muscles, which often become weaker with age.

It is highly advisable that you have a resistance program (weight training program) specifically designed for your needs. In this way you can address any problem areas, or other areas that require special focus.

If you are not a “gym” person, you can consider group classes such as circuit training (refer my last article).

If you are exercising at home it may be worthwhile engaging the services of a personal trainer to give you some guidelines as what is safe and advisable for you to do on your own.

Advantages of Exercise for older Women

Aside from the fundamental health benefits and weight control, as already outlined, there are a number of practical benefits and allied health benefits. These include:-

Daily activities become easier and less tiring as you gain stamina, with increased cardiovascular fitness. People who exercise generally have more energy to get through the day.

  • Strength training helps older women tone, shape and strengthen muscle fibres, minimizing the “fatty marbling” within the muscle that results in a flabby, weak muscle.
  • Exercise helps increase metabolism, and bone density – both factors which ordinarily decline with age.
  • The risk of sustaining fractures resulting from osteoporosis can be mitigated with strength training.
  • Increasing your core (abdominal) strength will help to improve posture, and contribute towards a firmer looking abdomen.

Cautions to Older Women contemplating Exercise

  • If you are over 40 years of age I would recommend you get clearance from your doctor to start exercising if you have never exercised before, or if you have any concerns which may affect your ability to exercise.
  • Unless you have been exercising previously it is important to seek the guidance of a qualified trainer before commencing any physical training program.
  • It is imperative that you listen to your body, and do not push yourself beyond reasonable limits. Do not compare yourself with your younger compatriots, or with yourself “x” years ago. We all age, and need to accept that we cannot do what we once were capable of doing…

So there you have it – all the reasons why all you “older” ladies should consider exercising! Go for it!

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Senior Station fitness guru – Sajeda Akbarally.

Sajeda Akbarally has been a fitness trainer and consultant at Lifestyle Fitness Lanka Pvt Ltd for about 15 years, training men, women and seniors in various exercise modes, and conducting fitness assessments and consultations.  Sajeda has conducted group classes specifically for seniors, focusing on the key areas of balance, strength and flexibility.  She advocates regular exercise in order to maintain a healthy body and mind. With the aging process the muscle mass and bone density in our bodies is reduced, making it increasingly difficult to exercise. Those who are able to keep up with a modest exercise regime find the greatest benefits to their daily lives.

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Exercise for the Elderly

FITNESS FIRST – EXERCISE FOR THE ELDERLY

Early old age often coincides with retirement, and as such this is a time when many people who have been physically inactive due to work commitments up to retirement suddenly find the time to commence some sort of physical activity. By middle old age many have developed some physical disability, making exercise difficult if not impossible.

Today we look at a few different forms of exercise which are suitable in old age.

Advantages of Exercising in old age.

  • Aerobic exercise makes the heart stronger, this has been proven. Exercise can also keep blood pressure under control. Thus through exercise we can reduce our risk of coronary heart disease and stroke.
  • Weight bearing exercise maintains bone mineral density, which naturally declines with old age. Loss of bone mineral density increases the risk of osteoporosis (thinning of bones) and fractures.
  • Exercise increases muscle strength, which also naturally declines with old age. Muscle weakness can lead to osteoarthritis, a painful condition affecting joints, which can be ameliorated by building muscle strength around the affected joint.
  • The immune system benefits through exercise. This means we can better ward off colds and flus, and may even lower our risk of many cancers.
  • Stress, anxiety and depression can also be reduced to some extent by exercise.
  • Being mobile in old age helps to control incontinence, constipation, poor wound healing and deep vein thrombosis.

Cautions to Exercising in old age

  • The health risks of exercising increase with age. Any senior person considering commencing an exercise program should certainly obtain a medical clearance beforehand.
  • Fast walking would be better than running or jogging, as it offers less strain on the heart, less stress on knees, and less chance of slipping.
  • As you age your vision, hearing and sense of balance deteriorate. Sports where there is a risk of collision with opponents or stationary objects should be avoided.
  • If you have a history of falls then be careful in pursuing activities which require a good sense of balance – like climbing, skiing, and cycling.

What should exercise in old age achieve?

No single form of exercise will achieve the six key objectives in old age – to improve

  1. Strength – to perform everyday tasks – walking, climbing the stairs, getting out of a chair
  2. Bone mineral density – particularly in the wrist, hip and spine
  3. Stamina – to avoid undue tiredness
  4. Power – the ability to use our muscles fast when we need them – eg. to prevent a trip from becoming a fall
  5. Balance
  6. Flexibility -to be able to perform everyday tasks.

We need to adopt a mix of exercise types to achieve all these goals.

Exercise options for the elderly

These are the ideal exercise options and their prescribed benefits:-

  1. Brisk Walking-  stamina and cardiovascular fitness, maintain muscle strength in the legs and help prevent bone loss.
  2. Swimming- develop muscle strength as well as cardiovascular fitness, improve flexibility in the shoulders. Weightlessness in water is an added benefit.
  3. Cycling- develop cardiovascular health, lower body strength and power, balance, ankle and foot flexibility. This requires balance.
  4. Tennis and badminton – maintain cardiovascular fitness, speed, stamina, muscle tone and power. Also bone density in the preferred arm, balance and flexibility.
  5. Keep fit classes/aerobics – structured class can bring all the benefits of different types of exercise. Teacher must be qualified to teach older people.
  6. Yoga, Pilates, Tai chi – Maintain and improve flexibility, muscle tone and strength. Reduce anxiety. Develop body awareness, and realize which body parts are becoming less efficient with age.

How much exercise do you need?

Not much. Once or twice a week for half an hour will be sufficient to maintain your independence. Exercise, once completed, should leave you feeling no more than pleasantly tired the next day.

Remember, exercise cannot restore tissue which has already been destroyed by old age or disease. It can, however, protect against a number of chronic diseases of old age. It will help to make the most of the residual function. Life expectancy can be increased, and partial and total disability delayed. In some cases, biological age can be reduced by as much as 20 years.  Thus exercise is a very important part of healthy living for senior citizens.

Senior Station fitness guru – Sajeda Akbarally.

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Sajeda Akbarally has been a fitness trainer and consultant at Lifestyle Fitness Lanka Pvt Ltd for about 15 years, training men, women and seniors in various exercise modes, and conducting fitness assessments and consultations.  Sajeda has conducted group classes specifically for seniors, focusing on the key areas of balance, strength and flexibility.  She advocates regular exercise in order to maintain a healthy body and mind. With the aging process the muscle mass and bone density in our bodies is reduced, making it increasingly difficult to exercise. Those who are able to keep up with a modest exercise regime find the greatest benefits to their daily lives.

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