Growing older should be a time for sitting back after a lifetime of work and enjoying the fruits of your labours, without having to worry about whether those fruits will ripen to their full glory or wither and die on the branch. However, the increase in life expectancy coupled with pension and investment problems has tended to result in some rather unfortunate changes.
Currently the official retirement age is 65, but many retire before this ? leaving work at 60 is normal for many, and even earlier retirement than this is not uncommon. This means that many can look forward to 25 or 30 years of being worry free masters of their own destiny, especially if during their years of gainful employment they have made adequate provision for their old age, particularly in the form of life insurance or cover for critical illness.
Not all however are in that fortunate category, and the misery of a long period of trying to exist on the miniscule government pension with no relief in sight, is better imagined than experienced. However the avowed intention of raising the retirement age to 68, whilst unfortunately pushing the prospect of retirement into an indeterminate future, could provide an opportunity.
Why shouldn't this extended period of earning be used to provide funds for protection in your eventual retirement? It sounds obvious doesn't it? Until you take a look at the ?small print? and find that there is an item called the ?Age 70 Rule?. This restriction makes it impossible to make straightforward contributions to life or protection policies if you have reached the age of 70; instead it becomes necessary to take out investments.
Is there a difference? A fair question! For some obscure reason the existing rules prevent many intermediaries from selling investment products, so they are unable to offer these or protection policies to clients who are over 69 years old. This can and does result in many of the older generation simply not knowing of and therefore not buying such products.
A review is needed, not least in the light of the intended move in the retirement age and an increasingly elderly population. The Financial Services Authority is apparently intending to change the rules, although information is not yet available on what their intentions would be. They are reportedly considering two possibilities ? increasing the age for the application of the ruling to 80, or completely removing any age limit.
On the basis that any change should be towards what would be a more accurate risk based option (rather than the ?black and white? age criteria), the Association of British Insurers is lobbying for the option of removing any age restriction. This they say would increase the options open to customers.
Bearing in mind the aforementioned increase in population age it would seem that pushing the restriction on a further ten years would merely push the associated problems further into the future without addressing the real problems. An additional factor is the length of mortgages being undertaken ? not only has the usually accepted ?maximum? mortgage period of 25 years been swept aside, but also many mortgages are being taken out later in life. This financial commitment is an additional worry for the elderly who are likely to be struggling with payments and would have serious problems if anything should interfere with their income.
A rule change would surely hurt no one but would provide greater peace of mind for the older generation, and give them a more secure future.
Most people who are looking for an exercise program rarely turn to elite sports like high diving or gymnastics to get off the couch. Yet marathons may offer a great solution for ordinary people looking for fun and great exercise in one of the safest but most demanding sports there is. Running a marathon is for elite athletes.
Yet a growing movement is occurring around the world that allows more and more people the opportunity to participate in marathons and other races by walking and not running. Walking is a much lower stress activity than running or even jogging.
People of all ages can walk marathons, even older people and people who are not athletic or very fit when they start out. And who wouldn't benefit from the health advantages of long-term marathon training.
And mile for mile, walking burns the same calories as running. So why don't more people walk marathons?
First, not all marathons are open to walkers and some permit walkers but do not officially encourage them. Marathons that invite walkers are sometimes advertised as "walker friendly." (Not all of them are!)
The biggest concern for marathon walkers who participate in official races is how long the track is open. A top runner completes a marathon in slightly over two hours. Most reasonably good athletes can do a marathon in four hours. Even slower runners can complete a marathon in five or six hours. (A six-hour marathon time means the runner ran 13 minute miles ... not exactly a super-fast time!) However, walkers need six to eight hours to complete a marathon. Walking consistent 15-minute miles, it would take a little over six-and-a-half hours to walk a marathon. Factor in some bathroom breaks, inconsistent performance, or slower walking times and you end up with marathon walkers who turn in times of seven or eight hours.
Most marathons keep the track open six hours. After that, they begin to "sweep" or start at the beginning of the track and pick up stragglers, the injured, and the clean up the mess at water stations.
While walkers can dodge the sweepers for a while, eventually the walkers will be compelled to leave the track and the marathon unfinished.
The Los Angeles Marathon is known for being super-friendly to walkers because the track is open long enough for even slow walkers to complete the race before getting "swept up."
In some ways, walkers face the same training challenges as runners. It takes consistent training over a period of many months to build up the stamina and technique required to go 26.2 miles at once.
Training programs for walkers tend to be sporadic and are not always offered in groups training to enter a marathon. When walking programs are available, there may be only a few participants and no real experts at walking technique.
Marathon walkers also face their own unique challenges. Although a very fast elite walker can actually out-pace a slow runner, most walkers are on the track and exercising longer than the runners. That means they need to allow extra time, extra hydration and even some food. It is not unusual for marathon walkers to bring along packets of bars, gels, or liquids to take in along the way. Bathroom breaks are also more necessary during a six or seven hour period of exercise than for those who can do the course in much shorter times.
The best training program for walkers involves consistent training over a period of about six months or more before the race.
Every week, the walker should go out four times in "maintenance walks" that start out at 30 minutes and gradually extend to full hours. Once a week, there should be a "long walk." This can start out at 15 or 30 minutes; the walker should add 15 minutes more each week until the walk is about 1 hour and 45 minutes long.
During these initial weeks, walkers should learn good form and technique and only concentrate on time, not speed or distance. Obviously, it's a good idea to gradually try to improve speed, but the main focus is doing the time.
After 1 hour and 45 minutes, it's time to switch over to distance. At this point, long walks are measured in miles, starting with 6 miles and adding a mile a week until the walks get up to 10 or 11 miles.
At this point, marathon walkers should defer to training manuals for marathon runners. A very crucial skill that marathoners must learn is how to add six more miles to the distance. This means one week the long walk is 10 miles, the next week it's 16. The following week it's back to 10, then the next week to 11, and then it's 17 miles.
This pattern is important, because it drills into the marathoner a very important confidence and ability: the ability to go six more miles, no matter what.
Once the long walk hits 20 miles, that's an important marker in training. No long walk during training should ever exceed 20 miles. However, before taking on a race, a marathon walker should have done at least three long walks of 20 miles.
A few weeks before the actual race, training ramps down. Walks get shorter. While the walker maintains a consistent schedule of four hour-long, fairly fast maintenance walks a week, the "long walks" dwindle down to a mere 10 or 12 miles.
On race day, the newbie marathon walker faces his or her first 26.2 mile walk. But he or she has learned two vital skills: the ability to go 20 miles with confidence and the ability to be able to go six more miles no matter what. The last 0.2 miles that makes up the marathon is run on adrenalin and crowd noise. To be able to participate in a marathon, a training schedule should be set up to map onto race day. Once a marathon walker is fully in training, he or she can easily modify the schedule to accommodate other races during the year. In fact, many people get so addicted to marathon walking that they do four, five or more races a year.
Both Michael Challiner & Jo Ann Lequang are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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Jo Ann Lequang has sinced written about articles on various topics from Careers and Job Hunting, Writing and Finances. Want to try marathon walking but don't know where to begin? We're working on some training materials but we desperately want your help! Please take a moment to take our free survey. It's fast, it's fun, and it's at. Jo Ann Lequang's top article generates over 33100 views. to your Favourites.