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Preparing for your golden years; you may have more assets than you think

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• Ensure to have friends including children much younger than you

Ensure to have friends including children much younger than you

AGING can be beautiful, but it definitely comes with its own challenges and learning to em­brace the ones we have little or no control over may make life easier and more enjoyable for us.

Changes may include:

1. You do not move as quickly as you used to, and I agree you need to guard against falls.

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2. You may lose some hear­ing.

3. You will need to protect your teeth, and the dentist can help.

4. You are more susceptible to eye diseases and challenges with sight.

5. You may start to shrink; start strength training immediate­ly.

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6. You may have ‘senior mo­ments’ -minor forgetfulness.

7. You may look different; hair loss or thinning, greying of hair, skin changes such as sagging, skin tags, changes in nails, belly fat and many others.

8. You may smell different, and this may be due to multiple factors.

9. Urine may leak more than you would like- sometimes even when we cough, sneeze or laugh.

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Many of us fret to leave a fortune (money) but I realise focusing on money or assets such as land, buildings and businesses may not be enough. These are extremely necessary though since they tend to make life much more comfortable for you.

When the dust settles, how­ever, having your memory intact (within reasonable limits) and having good social support may be the foundation that cannot be ig­nored. If your memory fails you or you do not have people who truly care about your wellbeing and will go the extra mile for you over the long haul, then no matter what your financial muscle you may never get anything close to what you would love for yourself.

Taking advantage of the various assets that you may have built over the years means you will be able to even earn money well into your golden years.

ASSETS TO TAP INTO.

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At least three assets, Financial, Intellectual and Human Assets may be tapped into.

• FINANCIAL

o Different forms of invest­ments including money, land etc. Quite often this is the focus of most of us while 2 other forms of assets are neglected. DEFINITELY grow your financial assets but DO NOT exclude the others.

o If you are already enjoying “retirement” of a sort and your finances keep you awake at night, do not despair, take another look at your intellectual and human assets that you may have ignored. They may be solid gold!

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• INTELLECTUAL

o Knowledge and skills you have developed over years can continue to be useful and earn an income after you retire from your previous job.

o Experiences over the years may serve as a guide to the younger generation and could be an avenue for speaking at events or coaching or mentoring others.

o Unique abilities are always a plus and we all know things that come easily to us when others struggle with same.

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o Ideas? These may be gold­en, and you may be able to share for an income or to enhance your social capital.

• HUMAN

o Values – we often don’t put much emphasis on this, but it definitely opens doors for you or for your descendants.

o Kindness – this is a pow­erful tool in life that will yield benefits at all costs directly or indirectly. Be Kind!

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o Social Contacts /Capital – DO NOT be an island. Expand your network and live a longer more fulfilling life.

As we work on all three forms of ASSETS lets us remember to protect our brain/ memory as much as possible and also spend time with our network of family and friends. In all things ensure you have FRIENDS (including your children) who are much young­er than you. This is PRICELESS, I guarantee that.

AS ALWAYS LAUGH OFTEN, ENSURE HYGIENE, WALK AND PRAY EVERYDAY AND REMEMBER IT’S A PRICELESS GIFT TO KNOW YOUR NUMBERS (blood sugar, blood pres­sure, blood cholesterol, BMI)

Dr Kojo Cobba Essel

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Health Essentials Ltd (HE&W Group)

(dressel@healthessentialsgh. com)

*Dr Essel is a Medical Doctor with a keen interest in Lifestyle Medicine, He holds an MBA and is an ISSA Specialist in Exercise Therapy, Fitness Nutrition and Corrective Exercise. He is the author of the award-winning book, ‘Unravelling The Essentials of Health & Wealth.’

Thought for the week (1) – “The aging you want tomorrow begins with the choices you make today.” What choices are you making? Time to reflect.

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(2) – “Mammograms are key to early detection of breast cancer, and they can also provide clues to heart health. Women who have calcium buildup within the arteries of the breast are at a 51 per cent higher risk for heart disease and stroke than women who do not.”

By Dr Kojo Cobba Essel

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Health Essentials

Whatever you practice or focus on grows

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A young woman writing down her goals

These last few months of 2026, I am embarking on a new journey. Over the past several months I have tried out some aspects of my “new way of life” but not in the manner I am doing now and I am sure you are doing same too. Draft your own points based on what is important to you and let us begin the journey together. It is never too late.

Many of the things I am working on now are guided by years of interaction with different people, what may be my purpose in my opinion, great family and friends and the type of wisdom that comes only with years.

  1. Self-Care

Quite often we try to take care of everything and everyone without ensuring we are appropriately “charged”. There is nothing to give out if you are empty. Self-care is NOT a luxury and it has taken me years to appreciate this;

  • I will add a new hobby I have been toying with.
  • Surrounding myself with like-minded people who energise me, make me laugh and be the best version of myself. Building Social capital pays.
  • I am spending quality time with God daily
  • Spending time in nature is key and I ensure that I take much needed breaks
  • Spending a few minutes a day to meditate, exercise and spoil myself sometimes
  • I will have some hours each day that will be blocked out as “no phone time”
  • Keeping a Goal Diary

Many people have described ways of putting down your goals and seeing them happen. My coach taught me the power of VISUALISATION but over the years I went off that golden path. It’s time to get back. This is what I am doing now;

  • In a diary I am writing everything I want to be or do as long as I have breath. No pressure.
  • I am writing in the present tense; “I am spending an amazing week in a 7-Star resort with the people I love the most”
  • I will look at this list everyday
  • Start a Gratitude Bank

I listened to this recently and though it was not referred to as a Gratitude Bank, I believe that is exactly what it is

  • I picked a diary to write in but others choose a transparent container to drop in written points. Choose what you are comfortable with.
  • At the end of each week I will write something(s) I am grateful for and put in the container.
  • Whenever I feel “ungrateful” I will read through them to remind myself how blessed I am and surely I will be holding the “evidence”
  • On December 31, I will go through the list irrespective of my mood.
  • Practice. Practice. Practice

This is exactly as it is – whatever you have written out in your diary to do from self-care through your goals etc. prioritise or focus on a few at a time. As you practice e.g. meditating, exercising, eating right and the many great things you want to do, these will all GROW. Whatever you practice GROWS.

  • Make the world a better place

I believe that we can make a difference in our corner no matter the challenges.

  • That smile will change someone’s life
  • An act of kindness is contagious and the giver, receiver and all those observing benefit immensely. Let us spread kindness.
  • The Blood Bank on my mind for this year and beyond.

What are you focusing on, what are you practicing?

Do share your list with me via email.

AS ALWAYS LAUGH OFTEN, ENSURE HYGIENE, WALK AND PRAY EVERYDAY AND REMEMBER IT’S A PRICELESS GIFT TO KNOW YOUR NUMBERS (blood sugar, blood pressure, blood cholesterol, BMI)

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Dr. Kojo Cobba Essel

Health Essentials Ltd/ Medics Clinic

(dressel@healthessentialsgh.com)

*Dr. Essel is a Medical Doctor with a keen interest in Lifestyle Medicine, He holds an MBA and is an ISSA Specialist in Exercise Therapy, Fitness Nutrition and Corrective Exercise. He is the author of the award-winning book, ‘Unravelling The Essentials of Health & Wealth.’

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Thought for the week –“Never change your originality for the sake of others because no one can play your role better than you. So be yourself. You are the best.” – Unknown

References:

  1. Unravelling the Essentials of Health & Wealth; Dr. Kojo Cobba Essel
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Health Essentials

Cancer; a burning desire to reduce risk

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When it comes to cancer risk factors; ALL RISK FACTORS ARE NOT CREATED EQUAL. Someone may have several risk factors but remain perfectly fine while another may have only one or none yet end up with breast cancer or other cancers.

We cannot say with certainty that we can do all it takes to prevent cancer BUT we can do a lot to reduce our risk.

TEN (10) TIPS TO CANCER RISK REDUCTION

  1. Weight Control – being overweight or obese increases risk to SEVERAL cancers.
  2. Smoking – cigarette smoking predisposes one to several cancers including lung cancer. Other forms of air pollutants serve as risks too.
  3. Alcohol – limit intake or avoid. It has the power to expose one to several cancers as well especially when we can’t apply brakes to how much we consume.
  4. Healthy Eating
    1. Limit intake of processed food and sugar
    2. Limit intake of red meat
    3. Fruits and vegetables should be a mainstay of our diet.
    4. An antioxidant rich food like cocoa should be part of our food. The purer the cocoa, the better
    5. Fibre in your food is crucial.
  5. Exercise – on its own reduces risk for breast and colon cancers directly and many others through weight control.
    1. Also increases immunity.
  6. Cancer Screening – be regular so cancers can be detected early and managed aggressively.
  7. Vaccinations – take vaccines where needed e.g. Hep B vaccine or vaccine against HPV (human papilloma virus accounts for the majority of cervical cancers)
  8. Know your Family History
    1. Anyone in your family with a cancer? Necessary to be on your guard but also remember that you may be the first person in your family with a particular cancer.
    2. Start your family early and breast feed for as long as possible to reduce risk of breast cancer.
  9. Check exposure to Ultraviolet Light and other forms of radiation. Protect your skin.
  10. Practice SAFE SEX
    1. HPV infection leading to cervical cancer is commoner when one is exposed to sex early, directly or indirectly has multiple partners but NOT everyone follows this rule. As in many situations, outliers do exist.
    2. Conditions such as HIV/AIDS may suppress your immune system if not managed appropriately.

Do add two (2) others of your choice and send to me via email. Together we can protect ourselves.

  1.  
  2.  

Will treating H. Pylori infections be a game changer too?

ALWAYS remember that CANCER PREVENTION HAS NO QUICK FIX – we need to follow these points over and over.

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AS ALWAYS LAUGH OFTEN, ENSURE HYGIENE, WALK AND PRAY EVERYDAY AND REMEMBER IT’S A PRICELESS GIFT TO KNOW YOUR NUMBERS (blood sugar, blood pressure, blood cholesterol, BMI)

Dr. Kojo Cobba Essel

Health Essentials Ltd/ Medics Clinic

(dressel@healthessentialsgh.com)

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*Dr. Essel is a Medical Doctor with a keen interest in Lifestyle Medicine, He holds an MBA and is an ISSA Specialist in Exercise Therapy, Fitness Nutrition and Corrective Exercise. He is the author of the award-winning book, ‘Unravelling The Essentials of Health & Wealth.’

Thought for the week – WHERE YOU LIVE SHOULD NOT DETERMINE IF YOU LIVE.”- WHO

By Dr. Kojo Cobba Essel

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