Americans in general have strong work ethic, so a life of extended leisure doesn’t appeal to everyone. With the average U.S. life expectancy estimated at 80.1 years, there’s no reason why you can’t pursue meaningful work in retirement especially if your health is good and your mind is sharp. The desire for activity and income are other important reasons you may decide to return to the workforce and stay well beyond age 65.
Retirees today can consider a number of opportunities, such as turning special expertise into a consulting gig, taking a part-time job, starting a small business or volunteering for non-profit work. Let’s take a closer look.
Become a consultant. Many retired professionals turn their past into thriving consulting businesses, often providing services to their former employers.
Others blog about their fields of expertise. Speaking engagements, seminars and webinars are additional ways you can share your knowledge, which can bring income and provide you with the professional and in-tellectual stimulation your former work life provided.
Get a part-time job. If your former field offers part-time opportunities, you may be the lucky ones to land a less-than-full time job with betterthan- average compensation.
Some seniors go back to school to get another degree, training or certification that will qualify them for a challenging part-time job in a field of interest. Or, decide to take a low stress, entry-level job simply to remain active — bagging groceries, working a cash register or becoming a barista to stay busy while lining your pockets with a little extra cash.
Start your own small business. Merchandising and auction sites such as eBay and Etsy are where people turned their hobbies of collecting or crafting into thriving businesses.
In your former work life, you may not have had as much time to devote your hobby as you would have liked. Now you can pursue selling your collectibles or handmade treasures and enjoy the rewards of a small business.
Volunteer. Many retirees take advantage of their open calendars to ramp up volunteering for organizations they support.
While giving your services freely to your favorite nonprofit won’t pad your pocketbook, it can be extremely rewarding and meaningful. Whether you choose to help your favorite church, hospital, professional organization or animal shelter, volunteering your time can enrich your life and benefit your community in important ways.
It’s up to you to create a rewarding retirement.
If you choose to continue working for a paycheck, your financial advisor can help you examine how additional income will impact your overall retirement finances.
Remember, the point of a work commitment in retirement is not to replicate your former 40-plus hour workweek. Ideally, your retirement career is about staying active and engaged in ways that keep you young.
Whether or not you pursue a new line of work in retirement, be sure to leave room for activities and interactions that will make your golden years as rewarding as they can be.
Michael W. K. Yee, CFP 1585 Kapiolani Blvd., Suite 1100, Honolulu 808-952-1222 ext. 1240 | michael.w.yee@ampf.com
Michael W K Yee, CFP®, CFS®, CRPC®, is a Financial Advisor CERTIFIED FINANCIAL PLANNER practitioner™ with Ameriprise Financial Services, Inc. in Honolulu, HI. He specializes in fee-based financial planning and asset management strategies and has been in practice for 26 years.
Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.
Americans in general have strong work ethic, so a life of extended leisure doesn’t appeal to everyone. With the average U.S. life expectancy estimated at 80.1 years, there’s no reason why you can’t pursue meaningful work in retirement especially if your health is good and your mind is sharp. The desire for activity and income…
Tucked away in Niu Valley, Kilohana Senior Enrichment Center is a little-known resource for East O‘ahu families. The adult day care is operated by Arcadia, Oahu’s only provider of continuum care. For almost 50 years, Hawai‘i’s families have looked to Arcadia as a trusted resource for senior living.
The center serves seniors and their caregivers during the workday with a safe, stimulating environment. Seniors can enjoy activities, games, wellness exercises, and nutritious meals with plenty of space for private time. Caregivers have the freedom to work or attend daytime activities with peace of mind knowing loved ones are in good hands.
In addition to socialization, Kilohana offers a personal care plan based on a client’s needs and managed by Arcadia’s interdisciplinary care team. Services are available Monday — Friday 7:30 am — 5:30 pm.
Kilohana Senior Enrichment Center, like Central Union Church Adult Day Care & Day Health, is operated by Arcadia. The Arcadia family of companies includes 15 Craigside, Arcadia Retirement Residence and Arcadia Home Health Services. For more information on Kilohana Senior Enrichment Center call 808-373-2700 or visit arcadia-hi.org.
Tucked away in Niu Valley, Kilohana Senior Enrichment Center is a little-known resource for East O‘ahu families. The adult day care is operated by Arcadia, Oahu’s only provider of continuum care. For almost 50 years, Hawai‘i’s families have looked to Arcadia as a trusted resource for senior living. The center serves seniors and their caregivers…
If you find your exercise regimen becoming boring and a chore, stop fighting it and switch to ballroom dancing!
AARP The Magazine, March 24, 2011 issue, reports that dancing is not only fun, but it’s therapeutic. Dance can, among other things, boost your cardiovascular health and bone strength as well as improve balance. Joe Verghese, professor of Neurology at Albert Einstein College of Medicine, reported that “unlike many other physical activities, dancing involves significant mental effort and social interactions.” Frequent dancing, which involves both intellectual and social stimulation, was reported as the only physical activity shown to reduce the risk of getting dementia.
So while learning dance steps with a partner, brain health and general well-being is improved while having fun exercising, socializing, and forming new friendships.
Herbert and Shirley Ota, President of HBDA
Retired Computer Specialist, Herbert Ota is a living testimony benefiting from ballroom dancing. While vacationing on a cruise, Herbert collapsed when the cruise ship docked in Vienna, Austria. On October 25, 2013, Herbert was immediately taken to a hospital where emergency triple by-pass surgery was performed.
Three months later, Herbert was on the dance floor with his wife Shirley eagerly learning the romantic Bolero with directors Ben & Faith Agbayani of the Hawaii Ballroom Dance Association (HBDA), Hawai‘i’s oldest and largest dance organization founded by Eugene Ichinose.
Preparing for the Cabaret III performance, (left to right) Millie Chun, Allyson Doherty, Jack Cione, Shirley Ota
They religiously attend dance rehearsals five times a week with a team of eight couples from the Pearlridge Chapter. They showcased their dance number at the HBDA 55th Anniversary Ball on May 3, 2014 at The Palladium in Honolulu. This celebration was a gala affair, with different dance exhibition teams representing different chapters, each choreographed by HBDA’s own creative dance instructors. In addition, Herbert had also rehearsed and prepared for CABARET III, an HBDA fundraiser directed by Jack Cione. It was a new extravagant musical comedy production with a cast of 82 performers in lavished costumes from the HBDA, Arcadia and Craigside.
With all of Herbert’s scheduled dance rehearsals, he is recuperating well and gaining his strength back from his open-heart surgery. He is looking simply great, a testament to the wonders of dance therapy with the HBDA.
You are never too young or too old to learn to dance. If you would like to get in good shape, stay physically fit and mentally alert, while having fun and making new friends, contact any one of our HBDA chapters.
HBDA is “the place to learn to dance”. You are invited and more than welcome to come, and dance with us!
If you find your exercise regimen becoming boring and a chore, stop fighting it and switch to ballroom dancing! AARP The Magazine, March 24, 2011 issue, reports that dancing is not only fun, but it’s therapeutic. Dance can, among other things, boost your cardiovascular health and bone strength as well as improve balance. Joe Verghese,…
“Public service is the rent one pays for the space he/she occupies here on Earth…”this motto is something my father used to say often, recalls Ronald T. Y. Moon, the former chief justice of the Hawai‘i State Supreme Court. “He was a living example…a very community-minded person. His actions prompted me to join the judiciary, thereby committing to public service.”
Before retiring in 2010, Moon—an attorney for 16 years and judge for 28— put the “law of the land” to work for more than 40 years. As judge, he says he was proud to support the interests of his state and country, and witness hundreds of citizens perform their civic duty as jury members within the court system. He notes that jury duty is one of the key ways citizens can engage in civics and participate in the democracy of which we all depend on.
As this issue of Generations coincides with the Fourth of July, we sat down with Moon and asked him to reflect on what it means to be an American — as a retired chief justice, Korean-American and private citizen.
From the Plantation to the Judiciary
As a third generation Korean-American, Moon doesn’t take our democracy, freedom or rights for granted.
Moon’s grandparents on both sides came to Hawai’i in the first wave of Korean immigration, between 1903 and 1905. The family lived in Wahiawa. After leaving the plantation, Moon’s paternal grandfather opened a tailor shop in Wahiawa that served as the family business for two generations. The Moon family (parents Duke and Mary, Moon and his three younger siblings) lived above the store.
Left: Grandfather Moon and Ronald (10 months). Below: Toddler Ronald with dad enjoying a day at the Honolulu Zoo.
Academics were impressed upon Moon by his parents (his father wasn’t educated beyond high school due to lack of finances; his mother attended vocational business school), who believed that education was necessary if one was to be productive in life. Yet, Moon admits that he wasn’t the best student. He attended Leilehua High School and town high schools. He says that it wasn’t until he was admitted to Mid-Pacific Institute (MPI) that his parents’ advice sunk in.
“The school gave me the guidance, supervision and motivation that I needed,” Moon says. “It was difficult for my teachers and counselors, specifically the Dean of Boys and my American History teacher, Lester Cingcade.” Cingcade was instrumental in seeing that Moon, “Stop being a kid and grow up!”
At MPI in the late ‘50s, during Moon’s junior and senior years, there were “rules upon rules” for which any violation of them would result in a “charge” that would send students to the Senate Court (school’s student court). Cingcade was the advisor and honor students were the judges.
During Moon’s first year at MPI, he was in Senate Court on nearly a weekly basis for violating rules, ranging from disrupting class and holding a girl’s hand on campus to his hair touching his ears and dust on his dorm room’s window sill, etc. Punishment included “hard labor” such as pulling weeds, collecting garbage from the cafeterias, or not being able to go home on weekends.
“I believe that being a defendant in Senate Court convinced me that I would very much appreciate one day being on the “other side” of the courtroom,” Moon says.
In fact, in his senior year at MPI, Moon got the opportunity to “defend” one of his good friends. Moon explains that his classmate got caught plagiarizing. Instead of writing a report on the American classic, Moby Dick, he used the comic book edition. The senior English instructor recommended to the school that he be expelled. “This meant that after four years of attending MPI and living away from home, my friend wouldn’t graduate,” Moon says. “I knew that his parents — a schoolteacher and service station owner — were not wealthy people. Private schools are so competitive and they sacrificed to pay for their son’s way through boarding school. It didn’t seem right that he’d be kicked out in our senior year.”
With Cingcade’s voice drumming in his head “to stop being a kid and to grow up,” Moon decided to secretly visit the teacher and make a case on his friend’s behalf. As a result, Moon’s friend was allowed to stay on campus and graduate. (Later, he became a very successful businessman, and he and Moon are still very good friends to this day.)
“That experience gave me an awareness that I enjoyed helping people,” Moon recalls.
College Conundrum
Mid-Pacific Institute, Class of ‘58
Although Moon started to find focus at MPI, he didn’t graduate with college ambitions. Rather, he attempted to persuade his father to allow him to take care of the family business. “My father, however, wasn’t going to have anything to do with me unless I went to college. If I was going to skip college, then he wanted me out of the house and living on my own … I was not to rely on the mom-and-pop shop. It was just that way,” Moon recalls.
To determine Moon’s future, the family visited the well-connected and educated reverend at the Wahiawa Korean Christian Church, where they were very involved in the parish activities.
“If you had a question, it was customary to visit the reverend for guidance,” Moon explains. “The reverend stated that I would go to Iowa, as he knew of a very good school [University of Dubuque] that has a seminary … and that I was going to be a good minister one day.”
Moon attended the University of Dubuque and then transferred to Coe College, where he studied toward becoming a social worker.
A older cousin, James Choi, who was studying at the University of Iowa Law School encouraged Moon to submit his application.
“He advised me that in order to get a good job in social work, I’d probably need to earn a doctorate degree. He suggested that I try to become a lawyer … that way, as a social worker, I could understand the law and better help people,” Moon says.
In 1965 Moon graduated from the University of Iowa Law School and obtained his doctorate of jurisprudence.
After school, Moon returned to Honolulu. “It was the right thing to do to come home in ’65. At the time, memories of the war with Japan and the Korean War were still fresh in America’s mind. I didn’t feel very comfortable in a nearly all-White community. If you looked Asian, you reminded them of the enemy.”
Once Moon returned to the Islands, he became law clerk to United States District Court Judge Martin Pence. He served under Pence for one year.
In 1966, he joined the staff of the Prosecuting Attorney of Honolulu where he was deputy prosecutor. Later, Moon left public service to become a partner in the law firm of Libkuman, Ventura, Moon and Ayabe until Gov. George Ariyoshi appointed him to the Hawai’i State Judiciary as a circuit court judge.
Then, Gov. John Waihe‘e elevated Moon to the office of Associate Justice of the Hawai’i State Supreme Court in 1990. In 1993, Moon was promoted to chief justice.
No Injustice in Judgment
Swearing in as Chief Justice with wife, Stella Moon, by Chief Justice Herman Lum in 2003.
Judge Pence, from the U.S. District Court, had a great influence on the development of Moon’s judging philosophy that revolved around two key points — judicial independence and treating all who appeared before the judge with respect.
“Pence essentially taught me judging,” Moon says. He educated Moon on how to review cases and how to remain objective despite outside pressures, such as the media, politicians, big-business, special interest groups, and even protests outside of the courthouse.
“Pence insisted that judging always comes down to the facts of the case from evidence only admitted in court. Once determining the facts, you then apply the applicable law to those facts,” Moon says. “You don’t let the outside influence your decisions. That is what judicial independence is all about. That’s what I tried to do throughout my career.”
Moon continues to promote judicial independence in Hawai’i, and is averse to the fact that judges in many other states are elected rather than selected under a system like Hawaii’s that utilizes citizens and lawyers in the selection process. “When judges are elected — and they need to waves signs, ask for donations, gain votes — they become politicians,” he says.
To get votes, you have to be popular, Moon notes. “When a big issue comes up and you make a ruling … and it’s not a popular decision … You lose votes and perhaps lose your job. Judges can’t be placed in that kind of situation.”
Moon’s second guiding principle — to treat people with respect, courtesy and civility — stems from the overarching ideologies of his father, Cingcade and Pence.
“I told the judges who I supervised that they should not scold, admonish or belittle people, like ‘Judge Judy’ on TV,” Moon says. “They shouldn’t exhibit condescending behavior toward the people that come before them.”
Democracy On Trial
Induction into the Royal Order of King Kamehameha I.
After spending four decades in the legal system, Moon has witnessed the pros and cons of the legal system. One of the greatest weaknesses, he fears, is our lack of civic knowledge. And he questions whether it poses a threat to American democracy.
“The kind of ignorance that I’m talking about is illiteracy in civics — understanding government, its makeup and how it works … being able to name the vice president, your state’s senators or the three branches of government — executive, legislative, judiciary,” Moon explains. “Our inability to do so disappoints me a great deal.”
Moon sites a recent study by the Center for the Study of the American Dream at Xavier University in Cincinnati, Ohio, which reveals that one-third of native-born citizens fail the civics portion of the naturalization test, in stark contrast to the 97.5 percent pass rate among immigrants applying for citizenship.
“Some people may argue that immigrants had time to study,” Moon says, “but I contend that native-born citizens have lived here all their lives, spend 12 to 18 years in school, have access to unlimited media and resources … yet they can’t name the governor of their own state or identify the law of the land, such as The Constitution? It’s just amazing and depressing!”
Moon explains, “It’s because of these kinds of reports year after year when I was serving in the judiciary, especially as a chief justice, that I understood clearly why nearly 25 percent of people don’t show up for jury duty in Hawai’i (and up to 75 percent in other states such as Florida), and why voting is at an all-time low. People are oblivious to their civic responsibilities.”
Our country is like a family: Everyone has to pitch in or it doesn’t work. As citizens of the American “family,” we all have certain responsibilities, like going to school, voting, obeying the law… and jury duty.
Any jury pool assembled to try a criminal or a civil case is supposed to be drawn from all socioeconomic classes of the general population. When a quarter or more of the people summoned don’t show up, the person who is in trial is potentially robbed of the opportunity to be fairly judged by his/her peers.
Moon explains that he understands that jury duty is not an attractive thing to most people. In fact, he’s heard “every excuse in the book” to get out of it. Moon says, “But I always ask people who try to skip jury duty to imagine a situation where their friend, family member, spouse, or themselves is charged with a crime and a jury trial is set to determine their guilt or innocence. Wouldn’t they want a good, fair and well-balanced jury? Wouldn’t they want a peer to represent them in the jury? Would they want a reluctant jury member who doesn’t want to give service — or doesn’t believe in the jury system — sitting in judgement of them?”
Use Your Voting Voice
“Civic literacy is important so everyone can understand democracy and see how things are done in government,” Moon says.
Moon points out that the first general election in 1960 after Hawai’i became a state, voter turnout was 94.6 percent. Since then, the rate has been gradually slipping. In disbelief, Moon says that in 2008, “even when we had a local boy running for president, Hawai’i was last of all the states with a 43.6 percent voting rate.”
To vote is to respect the history that granted us that privilege. To vote is to help your state and country choose positive leaders. Whether or not your candidate wins, the point is that you used the voice and power that was given you.
Retiring From The Bench
After Moon’s first term as chief justice ended, he considered retiring. He knew his wife Stella would like to spend more time with him, but she also encouraged him to go for a second term — he says, “as long as I thought I’d enjoy myself.”
Moon decided to apply, and in 2003 he was retained to serve a second term as Chief Justice of the Hawai’i State Supreme Court. He retired in September 2010 — three years shy of completing the term because under Hawai’i law all judges must retire at age 70.
“I feel that for me, the age limit was very appropriate. I had 40-plus years in the legal field — nearly 18 of which were as chief justice — the longest serving chief justice since statehood. I was ready to go!”
“I’m indebted to Stella, my biological and adopted children, my parents and grandparents for the tremendous support and love they’ve extended to me in my pursuit of love, peace and joy in my career throughout the years,” he says.
Going Out On Top
To cap his career, the West O‘ahu court complex in Kapolei was named the Ronald T. Y. Moon Judiciary Complex just days before his retirement. It currently serves as the new home of family court for the 1st Judicial Circuit.
“I was very flattered and honored that it was named after me,” Moon says. He notes that his predecessor Chief Justice Herman Lum had the original idea 20 years earlier and spent a lot of time trying to convince the legislature to build a one-stop shop family court center.
“When Lum retired and I took his place, the family court was still a very good concept. Luckily at the time, Kapolei was new and the ‘second city’ was looking for community foundations, such as a courthouse,” he says.
In retirement, Moon continues his lifetime civil service by offering dispute resolutions, such as mediation and arbitration. He also aids high-risk teens in Waipahu at Kick Start Karate, founded by former Honolulu Police Chief Lee Donohue. In addition, Moon sits on several boards, including Mid-Pacific Institute, St. Louis School, Wahiawa United Church of Christ and Ohana Pacific Bank.
“I have the opportunity to learn new things and read material that isn’t strictly law… it’s so refreshing,” Moon laughs. “Retirement, which is your last phase of life… is ultimately the best. I just love it. Maybe I should have retired earlier!”
Whether working or retired, Moon encourages everyone to get involved in civics in whatever way best suits them. “I understand that everyone is busy trying to make a living, but we should all do what we can to get involved in the community — PTA, Lions or Rotary Club, team coach, tutoring and so forth,” Moon says. “We fulfill our civic duties by investing in our communities and country … thereby enjoying, strengthening and preserving our rights and freedoms.”
It was a family affair at the Kapolei Judiciary Complex ceremony and Chief Justice Ronald Moon’s retirement celebration. From left to right: Moon’s wife Stella; mother Mary; daughter Julie and sons Scott and Ronald Jr. (not pictured); and step-daughters Jan and Jill; and step-son Herb (not pictured).
Before retiring in 2010, Moon—an attorney for 16 years and judge for 28— put the “law of the land” to work for more than 40 years. As judge, he says he was proud to support the interests of his state and country, and witness hundreds of citizens perform their civic duty as jury members within…
With Independence Day on the horizon and summer shifting into gear, homeowners are encouraged to address pending roof-related issues to ensure the safety and longevity of one’s home. A professional roofing company should be contacted for any roof upgrades. It is recommended that a few estimates from companies verified by the Better Business Bureau or referrals from friends and family be looked into first.
By researching the company’s portfolio and references, customers can weed out inexperienced, fly-by-night operations that could produce shoddy results, costing more in the long run.
It is also recommended that homeowners check with the State’s Regulated Industries Complaints Office: 808-587-3295 or www.cca.hawaii.gov/rico/business_online/, to determine the status of a company’s licensing information and history.
Once you’ve nailed down two or three estimates, you can do a real in-depth comparison by asking those companies for information on the industry’s new and popular roofing materials. Don’t let price be the determining factor — consider the quality of materials.
When choosing a roofing company, make sure they are licensed and bonded with a general liability insurance. This is to insure peace of mind and the safety of your home. The end result, a happy homeowner with a new roof.
This 4th of July, let’s all raise our flags to honor our veterans who sacrificed their own lives for our freedom.
With Independence Day on the horizon and summer shifting into gear, homeowners are encouraged to address pending roof-related issues to ensure the safety and longevity of one’s home. A professional roofing company should be contacted for any roof upgrades. It is recommended that a few estimates from companies verified by the Better Business Bureau or…