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Savings, Longevity and the Year in Fitness

Two numbers are, to me, particularly emblematic of what science had to tell us about fitness this year.<p>The first is 42 percent and represents the extent by which people’s risk for premature death rises if they are out of shape, according to a study published in July. That number almost equals the …

Fitness

Pulling Retirement Cash, but Not by Choice

The largest generation in U.S. history has to start pulling its retirement money this year, kicking off a mandatory movement of cash that could total hundreds of billions in the coming decades.<p>U.S. law requires anyone age 70 ½ or older to begin annual withdrawals from their tax-sheltered retirement …

Retirement

Cities of the Old

Agenda 2020<p>Across the country, spontaneously arising communities of elderly people are challenging American health care — but also creating labs for smarter ways to think about aging.<p>ROCHESTER, N.Y. — A tiny Russian-language library in an upstate New York apartment complex is not a typical setting …

Health

Average Retirement Income 2017: How Do You Compare?

No matter what the average retirement income 2017 data shows, one thing is for sure: many retirees today are living on remarkably little and many are …

Are Reverse Mortgages a Colossal Mistake?

Reverse mortgages are loans — a type of home equity loan.<p>You are borrowing your own home equity while retaining home ownership but unlike a …

Summers Warns of Financial-Crisis Risk From Trump Economic Plans - Bloomberg

Former U.S. Treasury Secretary Lawrence Summers attacked the policy proposals of Donald Trump on several fronts, saying the president-elect’s plans …

Banking

How to Prepare Your Retirement Plans for Rising Interest Rates in 2017

Most experts agree that we will see rising interest rates in 2017. Interest rates impact our lives in a wide variety of ways — especially …

Retirement

The Importance of a Quarterly Retirement Check In

Figuring out what you are going to do in retirement and how you are going to pay for it is not something you do once and just “forget about it.” You …

Retirement

Is Long Term Care Insurance Worth It? Explore the Pros and Cons

Whether to purchase long-term care insurance or not is a personal decision. Traditionally, many people have opted not to purchase it due to costs and …

Retirement

Scientists Say They Can Reset Clock of Aging, for Mice at Least

At the Salk Institute in La Jolla, Calif., scientists are trying to get time to run backward.<p>Biological time, that is. In the first attempt to reverse aging by reprogramming the genome, they have rejuvenated the organs of mice and lengthened their life spans by 30 percent. The technique, which …

Genetics

Social Security Tricks: Ace the Ultimate Marshmallow Test

It is no secret that delaying the start of your Social Security benefits will probably pay off big in the long run. However, most retirees eschew the …

Social Security

What You Can Learn from Millennials for a Better Retirement

According to the Pew Research Center and the U.S. Census Bureau, Millennials have surpassed Baby Boomers as the largest living generation.<p>There may …

Retirement

Finland just launched an experiment giving 2,000 people free money until 2019

Finland has an ambitious New Year's resolution in mind: learn how offering free money for two years helps the unemployed get back to work.<p>Starting Monday and lasting until 2019, the federal social-security institution Kela will distribute roughly $590 each month to 2,000 jobless Finns.<p>Regardless of …

Finland

Japanese white-collar workers are already being replaced by artificial intelligence

Most of the attention around automation focuses on how factory robots and self-driving cars may fundamentally change our workforce, potentially eliminating millions of jobs. But AI that can handle knowledge-based, white-collar work are also becoming increasingly competent.<p>One Japanese insurance …

Computer Science

A Gut Makeover for the New Year

If you’re making resolutions for a healthier new year, consider a gut makeover. Refashioning the community of bacteria and other microbes living in your intestinal tract, collectively known as the gut microbiome, could be a good long-term investment in your health.<p>Trillions of microbial cells …

Bacteria

If you’re thinking of retiring in Ecuador …

<b>Just four years ago, taking an early retirement on a Pacific beach in South America was not part of my plan. Yet here I am, 58 years old, retired and living happily with my wife, Rita, on the southern coast of Ecuador</b>.<p>We are living healthier lifestyles at a fraction of our previous expense, and, …

Ecuador

What Is New for Reverse Mortgages in 2017

According to AAG, the first reverse mortgage was issued to a widow in Portland, Maine. The banker, Nelson Haynes of Deering Savings & Loan designed …

Mortgages

Five Resolutions to Simplify Your Tech Life

In 2017, why not try a new kind of New Year’s resolution? Instead of just hitting the gym and dropping some pounds, consider changing some personal habits to simplify the tech in your life.<p>If you are like most people, there are things you do with tech that could use some tweaking. Strengthening …

Black Friday

The App That Came to Dinner, Helping People Socialize IRL

Over roast chicken and autumn vegetables, our dinner party was rolling through the requisite topics — concerns about the rise of the far right in Germany, what it really takes to make a marriage work, where to get the best Vietnamese food in New York City — but still, the awkwardness was unshakable.<p>…

Whole Foods

Final Frontier in Home Renovation: Giving Garages a Makeover

HOLMDEL, N.J. — As with a lot of homeowners, Nicholas Teetelli’s garage was a disaster, an overstuffed hodgepodge of tools, seasonal supplies and things in that weird suburban purgatory — not yet ready to be tossed out, but no longer essential. “It looked like I could have been on an episode of …

Home

Will the Fed's Janet Yellen 'take away the punch bowl' after Trump takes office?

After three years of almost single-handedly juicing up the slow-growing economy, Janet L. Yellen and the Federal Reserve should be looking at easier days ahead.<p>Yellen, in what will probably be her last full year as Fed chair, may finally get help from somewhere else in Washington.<p>Tax cuts and …

Federal Reserve

2016 was the year solar panels finally became cheaper than fossil fuels. Just wait for 2017

The renewable energy future will arrive when installing new solar panels is cheaper than a comparable investment in coal, natural gas or other options. If you ask the World Economic Forum (WEF), the day has arrived.<p>Solar and wind is now the same price or cheaper than new fossil fuel capacity in …

Environment

Ricky Carmichael | Make Two Strokes Great Again

VIDEO | Pearlescent Media<p>Let’s keep this simple, it’s a holiday and we know you’re just going to click play on the video without reading much else. …

Motocross

Bored, Isolated and Retired Young

For the first few months after Jon Helmuth retired three years ago, he slept late, acquired a tan and showered at odd times. Actually, some days he didn’t bother to shower at all.<p>After that pleasantly aimless interval, Mr. Helmuth, a divorced father of four who is now 45, began organizing his …

The Long-Term Jobs Killer Is Not China. It’s Automation.

The first job that Sherry Johnson, 56, lost to automation was at the local newspaper in Marietta, Ga., where she fed paper into the printing machines and laid out pages. Later, she watched machines learn to do her jobs on a factory floor making breathing machines, and in inventory and filing.<p>“It …

China

How Social Isolation Is Killing Us

My patient and I both knew he was dying.<p>Not the long kind of dying that stretches on for months or years. He would die today. Maybe tomorrow. And if not tomorrow, the next day. Was there someone I should call? Someone he wanted to see?<p>Not a one, he told me. No immediate family. No close friends. He …

Psychology

Three Reasons Why You Won't Have Any Friends in Retirement

<b>1) You Don’t Remember How To Be A Friend</b><p>As crazy as that may sound, many adults haven’t taken the time to stop and think about what goes into a good relationship and evaluated how well they may or may not be doing. It’s interesting, because in my <i>Naked Retirement</i> book and workshop we go through an …

Relationships

Is a Continuing Care Retirement Community Right for You?

Ask these key questions.<p>As you think about an ideal home for an older relative, or for yourself later in life, what seems most appealing?<p>Nearly 90% …