A Catholic Confirmation

In our final Faith Column on coming of age, we look at confirmation. Typically it happens at 15 or 1

When I teach about vocation at school, I often get asked by young students questions such as "How do you hear God's call?" or "How do you know when God is calling you?"

I find it a challenge to answer these kinds of questions, as there is no really satisfying answer for young, inquisitive minds. For me, I know I was certainly not ready to hear any kind of call in my life, from God - or anyone else for that matter - before I began preparing for my confirmation aged sixteen. It was at this point I started to discover a very real and personal faith, something which has already determined many important aspects of my life.

In England and Wales, the current trend is to confirm those aged around fifteen or sixteen. The parents make the choice for their son or daughter to receive the sacraments of Baptism and Holy Communion. However, at Confirmation, the personal commitment of the candidate is vitally important. It is the opportunity to reaffirm baptismal promises and confirm belief in the Catholic Church in front of family, friends and, most importantly, God.

The candidates for confirmation make it clear that they believe in God the father, Jesus his son and the Holy Spirit. They ask for strength and courage to live as Jesus would want them to and to tell other people about their faith. In order to prepare for this commitment the young people will attend a series of sessions of preparation within the parish at the direction of a group of a catechists and their parish priest. All have to be convinced of the candidates' dedication and willingness before putting any person forward for confirmation.

It is usual for the Bishop to confirm candidates for Confirmation, however for practical reasons, permission is given to the parish priest to carry out the sacrament on Pentecost Sunday. After renewing baptismal promises, the Bishop will stretch his hands out over the heads of the candidates as he prays that God will send His Holy Spirit to be 'helper and guide' to the candidates. This also signifies that the candidate is given the special job of living in keeping with the Gospel values.

After this, candidates are anointed in the sign of the cross with the Oil of Chrism. This is an ancient sign of being chosen by God and the same oil used at Baptism, Ordination and during the Sacrament of the Sick. It symbolises becoming a full member of the Church and a true child of God. It is also a sign of being given strength and is associated with healing.

The seven Gifts of the Holy Spirit are received at Confirmation and these are to help the now full member of the Church live the true Christian life and follow the guidance of the Holy Spirit. They complete and perfect the virtues of those who receive them as well as help make important decisions and appreciate the greatness of God. From these Gifts of wisdom, understanding, right judgement, courage, knowledge, reverence and awe and wonder are produced the twelve virtues of the Fruits of the Holy Spirit. When an individual is living a loving, joyful, peaceful, patient, kind, good, generous, gentle, faithful, modest, self-controlled, chaste and pure existence these fruit are fully borne. Confirmation comes at a time when these teenage candidates need guidance. This is a world in which materialism is widely embraced, there are liberal sexual morals as well as many other pressures and it is these Gifts which are there to guide the newly confirmed Catholic.

Even at the end of the program of preparation, even the recently confirmed may struggle to explain the exact effect the sacrament has had on their lives. That is because they are only really at the start of their personal journey of faith. The young person has just reached the stage where they are ready to start listening to the call of the Holy Spirit in their lives. I know my vocation is constantly changing; so far it has involved teaching in a Catholic school, working with street-children in Ethiopia, years of youth work within my Diocese and undertaking the role of Catechist within my own parish hoping to pass on my faith and inspire others. I know when there are difficult choices to make that the Gifts I received through my confirmation are there to guide me and bring me closer to God.

Andy Lewis is a Cambridge University graduate who has been teaching Religious Studies for two years in a Roman Catholic Comprehensive in Chelmsford, Essex. He is a practicing Catholic and catechist in the parish of Our Lady Immaculate and Holy Name, Chelmsford. His additional interests include travelling to Lourdes with the HCPT, volunteering with CAFOD and youth work with the Diocese youth service (BCYS).
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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: www.oldmutualwealth.co.uk/ products-and-investments/ pensions/pensions2015/