Wednesday, October 19, 2011

Have a Long Life and Live to 100

Why do Some People
Live to Be 100?
Have you ever wondered why some people can stay healthy, have a long life and live to100, while others may die of age related illnesses when they are decades younger?  Researchers have begun to unravel some clues that may give you an idea of how fast you are aging and how likely you are to see the century mark. Based on a lengthy article on Yahoo Health called "10 Surprising Clues You'll Live to 100," this summary just reports the essential facts. If you want more detailed information on any of these factors of aging, you may also want to read the research in the full article on their website.

The first clue that you might live to be 100 is whether or not you have had relatives who lived to be at least 90 years old.  Longevity does seem to run in certain families.

Next, measure how fast you walk when you are strolling normally.  People older than 65 who are able to comfortably and normally walk at a speed of 2.25 miles per hour or faster tend to be healthy and live much longer than their peers who walk more slowly.  This speed works out to 3.3 feet per second.

Sorry, guys, but women really do seem to live longer than men.  They are much more likely to live to be 100. Don't give up, however.  Some men still make it to the century mark.  Look at George Burns.

The next clue applies to women, only.  If you are a woman who conceived a baby naturally after the age of 35, you probably age more slowly.  This means that you are likely to have a longer lifespan.

Another point the researchers made seems to follow a trend that has been going on for hundreds of years.  Just as you are likely to live longer than the generations who went before you, young people today have an even greater chance of living to be 100 than you do.  (Do you think the time will come when Medicare doesn't even start until age 80?  Do you ever wonder how long a life is too long?)

I found the next point very interesting.  People who worry, but only a little, have a longer life than people who worry excessively or people who do not worry at all.  You would think that being free of worry would help us to live a long life.  However, the truth is that people who worry a little are less likely to be risk takers.  This means that they are not as likely to die an accidental death.  On the other hand, people who worry too much are more likely to develop stress related diseases.

Having a Body Mass Index of 27.4 or less increases your chance of living to 100.  Like a lot of Baby Boomers, this may be a weakness for me, as I know that my BMI is higher than that.  However, my heavy-set grandmothers both lived until their late 90's, so it is possible that I will still live a long life, too.

The next factor is one that you cannot evaluate without expensive testing.  How long are your telomeres?  The telomeres are DNA sequences on the ends of your chromosomes.  Long telomeres indicate a longer life.  Although you could have yours tested, you can also simply choose to live a lifestyle that helps maintain the length of your telomeres as much as possible.  Avoid chronic stress, don't smoke, and eat a healthy diet high in Omega 3's.  Researchers have also discovered that walking briskly for at least 40 minutes a day can actually lengthen your telomeres. 

Finally, have a positive attitude.  Your emotions do affect your health, and people with a positive attitude seem to live longer than people who are negative.

Obviously, you cannot control all of these factors.  However, if you control the ones you can, you may live a longer life than you ever imagined.  The opportunity to live to 100 may be within your reach!

If you would like to learn more about retirement, healthy aging, where to retire or financial planning, use the tabs or pull down menu at the top of the page.  They contain links to hundreds of other helpful articles.

For more information on healthy aging read: http://www.baby-boomer-retirement.com

(Photo courtesy of morguefile.com)


Tuesday, October 18, 2011

2012 Social Security Benefit Increase

Finally!  An increase is coming to
Social Security Benefits.
photo by Wikipedia.com/commons
Good news for recipients of Social Security.  After having gone without any increase in benefits since January, 2009, the Social Security Administration has announced that recipients will receive an increase of approximately 3.6% in January, 2012.  Since the average Social Security payment is $1,082, a 3.6% increase averages out to almost $39 a month.  It will vary, depending on whether you get more or less than the average amount of money.  The increase will apply to both retirees and disabled recipients.

I have a number of friends and neighbors who have been living on a fixed income the past few years.  Several of them are either totally dependent on Social Security, or it makes up a large part of their income.  This increase, although small, will provide them with some help. 

The reason that there has been no increase during the past two years is because the official rate of inflation was considered too small.  Only twice since 1975 have Social Security recipients gone without a Cost of Living Increase ... and that was in the past two years.

It is important to also note that the increase in benefits will be partially lost because Medicare premiums are expected to increase by around $3 to $8, and these premiums are deducted from Social Security payments.

Continue to stay up to date with your retirement planning.  You may be interested in following this blog by email, or reading the articles listed in the sidebars.

Get more retirement information at http://baby-boomer-retirement.blogspot.com/

Monday, October 17, 2011

Top Places to Retire by U.S. News

Beautiful Arizona is
One of the Best Places to Retire
photo by public-domain-photos.com
How much thought have you given to where you are going to retire?  It seems as if every few days another news source comes up with their own list of the best places to live cheaply, or the best retirement communities with a low crime rate.  Below is a summary of a list of wonderful retirement areas that was released by US News and World Report in an article written by Emily Brandon on October 17, 2011. Although this was a few years ago, these areas remain excellent choices for retirees who are looking at a variety of retirement options.

The criteria used by U.S. News when they compiled this list included cities that have good weather, affordable houses and other real estate, as well as plenty of activities to keep you busy and interested in life. 

Based on their list, here are the top places you may want to settle during the Golden Years of your life:

Flagstaff, Arizona
Boone, North Carolina
Traverse City, Michigan
Walnut Creek, California
Ithaca, New York
Lincoln, Nebraska
Pittsburgh, Pennsylvania
Port Charlotte, Florida
Pittsfield, Massachusetts
Santa Fe, New Mexico

Of course, these are just suggestions.  What is particularly appealing about this list is that it includes a number of mid-sized towns from a variety of regions of the United States.

Baby Boomers will not want to limit their choices only to this list, however.  There are a number of other communities that also could be desirable, depending on your interests.

If you are looking for more places to retire, you will want to use the tabs or pull down menu at the top of this article to find links to hundreds of other articles about great places to retire in the United States or overseas, health issues to consider, financial planning and more.

Your may also want to check out these blog posts for other areas that have been recommended by various groups:

Living on Social Security in the US
http://baby-boomer-retirement.blogspot.com/2011/10/living-on-social-security-in-us.html

Cheap Places to Retire
http://baby-boomer-retirement.blogspot.com/2011/09/cheap-places-to-retire.html

Finding the Best Places to Retire
http://baby-boomer-retirement.blogspot.com/2011/09/finding-best-places-to-retire.html

You are reading from the blog:  http://www.baby-boomer-retirement.com

Thursday, October 13, 2011

Living on Social Security in the US

Beautiful meadows and charming towns
are available near retirement communities!
Are there places in the United States where a couple can live a middle class lifestyle on their Social Security, alone?  According to U.S. News, there are actually a number of communities scattered throughout this country where couples can afford a home and live comfortably on the average amount of Social Security. 

In order for U.S. News to come up with their list, they based their income assumption on an average Social Security Benefit of $1,179 per retired person in the United States as of March, 2011.  For two people, this comes to a household income of $28,296 a year.  (Since 2011, Social Security benefits have increased by a few percent and the average retiree is actually earning a little over $1,200 per month.  The communities on this list continue to be affordable for those retirees, on an inflation adjusted basis).

The researchers looked for communities in the United States where the median household income was lower than $28,000.  The cost of living in these communities has increased a few percent over the past few years, but so have Social Security benefits. 

Below is their list of towns from coast to coast that would be affordable for the average couple living on Social Security alone.

Where to Retire on Social Security Alone

Auburn, Alabama (median household income of $21,630)
Blacksburg, Virginia (median household income of $26,792)
Boone, North Carolina
Cheney, Washington
Mt. Pleasant, Michigan ($27,621)
Murray, Kentucky ($27,842)
State College, Pennsylvania ($23,800)
Sunland Park, New Mexico ($23,225)
Syracuse, New York ($27,475)
West Lafayette, Indiana ($26,000)

I listed the median household income for these communities, when it was included in the article. Several of these communities are college towns, including charming Blacksburg, Virgina, which is the home of Virginia Tech. They are also dispersed throughout the United States, so it is possible you could find one that is not too far from your friends and other members of your family.  If you expect to be living on the typical amount of Social Security, and you are worried about where you can afford to buy real estate and retire, you may want to do more research on some of these communities and select one that is best for you.

In addition, you may want to read  "Finding the Best Places to Retire" http://baby-boomer-retirement.blogspot.com/2011/09/finding-best-places-to-retire.html, "Cheap Places to Retire" http://baby-boomer-retirement.blogspot.com/2011/09/cheap-places-to-retire.html, or any of the other articles listed in the archive section in the sidebar, or under Popular Posts at the bottom of the page.

If you are interested in more retirement ideas, use the tabs or pull down menu at the top of this article to find links to hundreds of additional articles.

You are reading from the blog:  http://www.baby-boomer-retirement.com

(Photo of meadows taken by Author, Deborah-Diane, near Laguna Woods Village, California)