May 30 2008
Retirement Challenge FIVE - Keeping Secure
Keeping Secure refers to personal safety. There are many dangers and hazards out in the world, and as we age we have to adapt our lifestyles in order to protect ourselves. I now feel more vulnerable to certain threats than when I was younger. I always ensure that I have safety equipment and first aid kit available when traveling or camping. Having the right tools to deal with a breakdown, having jumper cables and a tow line in the car are practices that I have always subscribed to. 
Accidental falls in the home or parking lot can be fatal, and are particularly dangerous for older folks who may be alone. Having a Lifeline Medical Alert bracelet to summon help can be a lifesaver for someone who has a serious medical condition, or who lives alone. Physical fitness is important to maintaining our balance, but it is no guarantee against accidents. Forgetfulness can also be very serious if we are on required medications. It is important to have someone check up on us, at least every day.
Cellular phones have been really wonderful for older folks too. My own Mother, now 81, never leaves home without it. She feels so much safer knowing that she can summon help without getting out of the car.
I am no longer quite so able to defend myself against a mugger or other threatening person. 
When I am camping or out hiking in the woods, I carry a gun. There are other occasions when it is reassuring to be armed as well. I had military training and was a marksman. Be sure you know what you are doing before you decide to start carrying. And get a permit.
The normal risks of living can be magnified for us as we get older. I tend to err on the safe side so I carry a lot of insurance: Life, accidental injury, loss of income, health, medical supplemental insurance, emergency road assistance. I love that AFLAC duck.
We have to be mindful of being out at night. I run errands during the day, whenever possible. I am very careful in parking lots. You can always ask a shopping mall guard to escort you to your car.
Traveling comes with its own hazards, regardless of your age. Winter travel is particularly dangerous, so I try to minimize my risks. 
I watch the weather forecasts, I travel only the main highways when I have that option. I make certain to carry the winter tools and emergency supplies, water and food. Carry some cash and some credit. (And don’t forget the Cell phone!)
I agree with you that cellular phones are essential as we get older. Not only do I carry it with me when I go out but I also carry it inside the house. You never know when you might fall, or cut yourself, or not be able to help yourself. My cell phone is always in my pocket since I may not be able to reach my regular phone ot get help. Even though I have a wireless home phone the cell phone is smaller and I don’t even notice I am carrying it until someone calls. But it is always there as my emergency button.