Discover Effective Anti-Aging Strategies
Some people feel that aging or growing old is like paying for something you haven’t consumed. But, if aging is understood properly and preventive measures are done in an orderly manner, then aging shouldn't feel like a torture or a punishment for something you haven't done.
USE AND DEVELOP YOUR OWN ANTI-AGING STRATEGY
The following are just some of the simple anti-aging strategies you can apply to your daily life. These are generic so that is why you are also encouraged to develop your own anti-aging strategy that can suit you and your needs best.
1. Do everything you can to maintain a healthy weight. Maintaining a healthy weight that corresponds to your height is one of the best ways to avoid early signs of aging. By maintaining a healthy weight, you can also avoid various coronary heart diseases and other conditions that can be linked with obesity.
By keeping your weight in check, you can achieve a healthy life that can veer you away from aging. Keeping a healthy weight is also possible by eating fruits and vegetables, limiting fat and calorie intake, and with regular work out and exercise.
2. Quit smoking. Smoking is truly dangerous not only to your health but also to those people surrounding you. If you can, you must start developing a routine in order to quit smoking. When you stop smoking, you can reduce the risk of having heart diseases and lung diseases such as cancer.
3. Shield yourself from the sun's damaging rays. Protecting yourself from the sun's deadly rays is one of the best anti-aging strategies out there. Since exposure to the sun is one of the major causes of skin aging, less exposure to it can help you reduce the risk factor of skin cancer. To protect your skin further, avoid sun exposure from 10 a.m. to 2 p.m. and always apply sun block on your skin when you're outdoors.
4. Drink plenty of water. Hydrating your skin is also one of the best anti-aging skin strategies out there. Make sure that you provide your body enough water and not with fluids that can damage organs in the body and weaken the immune system such as alcohol.
5. Stay happy. Most people would agree that staying happy is the best anti-aging strategy out there because it gives you a positive outlook in life that makes him or her stay young in body, mind and soul.
Jim and Jeanetta Pollard, Host of Television Show, "The Fabulous Fifties and Beyond"
Check out their new releaseGuide To Dealing With and Caring For The Elderly
The Fabulous Fifties and Beyond is part of the cable TV program and syndicated newspaper column of the same name. Our mantra is "Use It Or Lose It", urging those in the 50's and beyond age group to do something with the life they have remaining. Write a book, travel, volunteer...do something. We are looking for stories of individuals and groups that are "using it". Shows streaming at http://tv.westkentucky.kctcs.edu/videoclips/50s/
Showing posts with label retirement income tips. Show all posts
Showing posts with label retirement income tips. Show all posts
Sunday, October 03, 2010
Monday, August 16, 2010
Aging In Your Own Terms
Aging In Your Own Terms
Everybody will grow old. The years will pile up in our lives and from 20s, we will reach our 30s, then our 40s and then our 50s. It is a natural process as inevitable as life and death. Though it is something that will eventually happen this doesn't mean that it will happen anytime soon. Although we can’t stop it from happening, we can certainly determine how we age and when we age.
This is the reason why there are people who in their 80s are still in their prime, able to work incessantly and still have sharp minds, sometimes even sharper than those who are in their 50s or 60s. However, there are also those in their 80s that are very forgetful and inactive. They find it hard to move let alone play sports or work.
This is a testament that people themselves determine how they age. And though the genes have something to do with it, it doesn't necessarily determine the whole forecast. In a study conducted by the John and Catherine MacArthur Foundation, it seems that the genes only make up a small part of a person’s aging process. The rest is dependent on the person.
Below are some of the things that you can do in order to age well.
1. Be active
One common mistake people make is that they often associate old age with rusty bones and inactivity. This shouldn't be the case. The more active a person is, the better he will age because activity and exercise will build muscles and strengthen the bones. Remember the theory of use and disuse. The more we don’t use a part of the body, the more it will disintegrate into nothing.
2. Practice your mind
One trick to avoid having Alzheimer’s disease or being forgetful in general is to engage in mental activities. Answer a crossword puzzle. Read the newspaper everyday. Keep yourself up to date with the latest news in the country. Debate with your children or even with your grandchildren. Use your mind.
3. Have a purpose
Another secret to aging well is to have a purpose in life even when you are old. Find something to do with your time whether it is a hobby that you have done in the past or a new hobby that you have been wanting to try for years.
Everybody will grow old. The years will pile up in our lives and from 20s, we will reach our 30s, then our 40s and then our 50s. It is a natural process as inevitable as life and death. Though it is something that will eventually happen this doesn't mean that it will happen anytime soon. Although we can’t stop it from happening, we can certainly determine how we age and when we age.
This is the reason why there are people who in their 80s are still in their prime, able to work incessantly and still have sharp minds, sometimes even sharper than those who are in their 50s or 60s. However, there are also those in their 80s that are very forgetful and inactive. They find it hard to move let alone play sports or work.
This is a testament that people themselves determine how they age. And though the genes have something to do with it, it doesn't necessarily determine the whole forecast. In a study conducted by the John and Catherine MacArthur Foundation, it seems that the genes only make up a small part of a person’s aging process. The rest is dependent on the person.
Below are some of the things that you can do in order to age well.
1. Be active
One common mistake people make is that they often associate old age with rusty bones and inactivity. This shouldn't be the case. The more active a person is, the better he will age because activity and exercise will build muscles and strengthen the bones. Remember the theory of use and disuse. The more we don’t use a part of the body, the more it will disintegrate into nothing.
2. Practice your mind
One trick to avoid having Alzheimer’s disease or being forgetful in general is to engage in mental activities. Answer a crossword puzzle. Read the newspaper everyday. Keep yourself up to date with the latest news in the country. Debate with your children or even with your grandchildren. Use your mind.
3. Have a purpose
Another secret to aging well is to have a purpose in life even when you are old. Find something to do with your time whether it is a hobby that you have done in the past or a new hobby that you have been wanting to try for years.
Tuesday, March 27, 2007
Early Retirement: What You Should Know
For many reasons, more and more people are opting to retire at an early age. The growing trend for the retirement is based on the fact that people are enticed to retire early than continue working and wait until they reach their retirement age of 65.
In fact, most of the surveys conducted in the United States asserted that 60% of the respondents would love to retire at an early age.
In reality, there are many benefits that people can derive when they retire early. However, there are also many consequences that result from early retirement. What they do not know is that early retirement has the potential of bringing more problems than reaping in benefits and advantages.
Here is a list of some of the reasons why retiring early can be a pretty risky activity.
1. Not in accordance with the regulations of Social Security
When people will retire at an early age, there is a great possibility that they cannot immediately obtain their Social Security benefits. This is because according to the rules and regulations of Social Security, anyone who is born after 1938 will have to wait longer than their retirement age of 65 before they can get their benefits.
Hence, early retirement may only contribute to a negative upshot if the older people’s finances where not managed properly and the only thing they expect to help them are the Social Security benefits they can get.
2. If people who took early retirement get sick, they cannot acquire some Medicare benefits.
This is because the age when people can get their Medicare benefits is when they already turn 65. Hence, if they are hospitalized and they have already filed for their early retirement, they have to obtain the necessary amount of money in order to cover the expenses in the hospital without Medicare.
3. Penalty charges apply to those who retired early and had withdrawn their IRAs early.
For people who would like to retire at an early age and wish to obtain their IRAs, they have to face a hefty 10% penalty charge.
Moreover, experts contend that the nest egg of people who wish to retire early is only 80% of what they should be getting when they retire at the age of 65.
The bottom line is that early retirement is, indeed, a personal choice and preference of an individual but one must consider the factors that may affect their life in the end.
Jim Pollard
http://www.thefabulousfifties.net
In fact, most of the surveys conducted in the United States asserted that 60% of the respondents would love to retire at an early age.
In reality, there are many benefits that people can derive when they retire early. However, there are also many consequences that result from early retirement. What they do not know is that early retirement has the potential of bringing more problems than reaping in benefits and advantages.
Here is a list of some of the reasons why retiring early can be a pretty risky activity.
1. Not in accordance with the regulations of Social Security
When people will retire at an early age, there is a great possibility that they cannot immediately obtain their Social Security benefits. This is because according to the rules and regulations of Social Security, anyone who is born after 1938 will have to wait longer than their retirement age of 65 before they can get their benefits.
Hence, early retirement may only contribute to a negative upshot if the older people’s finances where not managed properly and the only thing they expect to help them are the Social Security benefits they can get.
2. If people who took early retirement get sick, they cannot acquire some Medicare benefits.
This is because the age when people can get their Medicare benefits is when they already turn 65. Hence, if they are hospitalized and they have already filed for their early retirement, they have to obtain the necessary amount of money in order to cover the expenses in the hospital without Medicare.
3. Penalty charges apply to those who retired early and had withdrawn their IRAs early.
For people who would like to retire at an early age and wish to obtain their IRAs, they have to face a hefty 10% penalty charge.
Moreover, experts contend that the nest egg of people who wish to retire early is only 80% of what they should be getting when they retire at the age of 65.
The bottom line is that early retirement is, indeed, a personal choice and preference of an individual but one must consider the factors that may affect their life in the end.
Jim Pollard
http://www.thefabulousfifties.net
Thursday, March 15, 2007
Retirement At It's Best - How To Get Ready
7 Ways to Boost Your Retirement Income
Retirement contributes almost 1/3 of a person's life. It is for this reason that retirement should be given preparation and planning. Many Americans forget to save or just ignore their retirement. It’s very easy when you are young to think you have time to consider retirement later. However, the years roll by quickly and you can find yourself approaching middle age with no plan in place.
You need to start now and think of better ways to prepare for that time. It doesn’t mean that money will also retire once a person has retired. Here are some ways on how you can boost your retirement income:
1. Start saving now. It is never too late to start saving even for a little amount of money. When you save money, make it as untouchable as possible. Allocate your cash on your savings starting today and you will be surprised by the amount of money you will have by the time you retire if you start now.
2. Make a review of your finances and revise your budget. Reviewing your expenses will help you analyze where you spend your money the most. This will help you to cut your expenses and eliminate the things that you do not really need. This also teaches you on how to choose your priorities and weigh the things that really matter in your lifestyle. If golf is something that you can live without, why not allocate the money you spend on golf in your savings?
3. Review your insurance terms. Increasing your deductibles will help you cut your premiums to 20%. Do not count on Social Security or your pension plan.
4. You may want to make a quarterly payment on your taxes instead of being automatically deducted from your retirement distributions. You can also seek the help of a tax advisor regarding this issue.
5. Consider where you take your distributions. You may want withdraw funds from your Social Security first, then your taxable investments like the IRA. The main purpose here is that you should be able to cover your monthly expenses, lessen your tax fees and save as much money as possible.
6. Research investments that are intended for retirement. There are establishments that offer an investment while in retirement. You may want to get involved with with-profit bonds, stock market bonds, individual savings account, distribution bonds, and venture capital trusts.
7. Make use of your company plans. If your current company offers retirement services and then consider contributing the maximum amount. This will help you take advantage of pre-tax contributions.
Retirement contributes almost 1/3 of a person's life. It is for this reason that retirement should be given preparation and planning. Many Americans forget to save or just ignore their retirement. It’s very easy when you are young to think you have time to consider retirement later. However, the years roll by quickly and you can find yourself approaching middle age with no plan in place.
You need to start now and think of better ways to prepare for that time. It doesn’t mean that money will also retire once a person has retired. Here are some ways on how you can boost your retirement income:
1. Start saving now. It is never too late to start saving even for a little amount of money. When you save money, make it as untouchable as possible. Allocate your cash on your savings starting today and you will be surprised by the amount of money you will have by the time you retire if you start now.
2. Make a review of your finances and revise your budget. Reviewing your expenses will help you analyze where you spend your money the most. This will help you to cut your expenses and eliminate the things that you do not really need. This also teaches you on how to choose your priorities and weigh the things that really matter in your lifestyle. If golf is something that you can live without, why not allocate the money you spend on golf in your savings?
3. Review your insurance terms. Increasing your deductibles will help you cut your premiums to 20%. Do not count on Social Security or your pension plan.
4. You may want to make a quarterly payment on your taxes instead of being automatically deducted from your retirement distributions. You can also seek the help of a tax advisor regarding this issue.
5. Consider where you take your distributions. You may want withdraw funds from your Social Security first, then your taxable investments like the IRA. The main purpose here is that you should be able to cover your monthly expenses, lessen your tax fees and save as much money as possible.
6. Research investments that are intended for retirement. There are establishments that offer an investment while in retirement. You may want to get involved with with-profit bonds, stock market bonds, individual savings account, distribution bonds, and venture capital trusts.
7. Make use of your company plans. If your current company offers retirement services and then consider contributing the maximum amount. This will help you take advantage of pre-tax contributions.
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