Start saving at 25yrs old or prepare for new careers when you are older

  • A 25-year-old just starting to save would only need put away about $160 each month to generate $1,000 in monthly retirement income.
  • Start saving at age 35 and you’ll need to contribute almost $270 a month to generate the same income.
  • For every $1,000 in monthly income, a 45-year-old just beginning to save for retirement would have to put away nearly $500 every month.
  • A 55-year-old just starting to build a nest egg would have to make monthly contributions of $1,154 for every $1,000 in monthly retirement income—that’s double the amount of a 45-year-old and more than seven times the sum that a 25-year-old would need to stash away.


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Help others with zero market risk and tax free retirement at 8% without participating in negative market growth retirement plan.

Habits of Retirees by Tim Sprinkle

They keep us focused, keep us on task and help us organize the day-to-day tedium of our working lives.

Hawaii-based retiree Rik Rodriguez surfs regularly to keep his mind and body sharp.But habits remain important even when the working stops. In fact, after waiting decades to give up on their full-time careers, many retirees wake up to the realization that they actually need their daily routines more than ever to help them structure and make sense of their suddenly wide-open schedules.

How do they do it? What habits are particularly helpful for today’s retirees? We reached out to our Yahoo! Contributor Network community to find out what habits our retired members rely on and how they help them make the most of their golden years. Several of their responses are shown below.

I Challenge Myself Every Day

“I face it daily. At age 88, being retired for so many years is often challenging. My method of coping is to keep busy, both mentally and physically. Every morning I swim or hike for an hour. Then I attack blogging, my most energizing new routine. Actually, I’ve been a writer all my life, and made quite a good living at it in advertising and public relations. However, most was done on typewriters, and later on desktop computers before the Internet explosion.

“To create an active retirement, I attack the need for mental fitness as I fulfill physical conditioning. It requires work, stretching my mind as I do my body. At my advanced age, it’s often very challenging, but it’s also a lot of fun.” — Ted Sherman, 88

Working Part-Time Is My Key to a Happy Retirement

“Working is a life-long habit — a habit I decided to keep when I retired last year at age 62. Now, however, I work only part-time. I’ve been a substitute teacher since day one of my retirement. Substitute teaching is inherently a part-time job. Workers drawing Social Security in 2013 may earn up to $15,120 annually without reducing their monthly benefits. Subbing ensures that my earnings won’t exceed the annual limit. And, because I’m working, my Social Security benefits keep on increasing. I also maintain ‘active’ employee status in the public school retirement system, and continue to accrue contributions to my pension.

“Substituting connects me to creative, bright students. They ‘keep me on my toes,’ and I share my years of experience with them. There’s a mutual exchange of teaching and learning. Working part-time in retirement brings balance. I have the best of both worlds.” – Susan Durham, 63

A Good Retirement Begins With Friendships

“When I stopped teaching, along with that went the interactions between my students and me and my colleagues and me. I had friends, but not as many as I wanted; an extremely demanding work schedule had meant little time for friends, let alone a family.

“As a single woman, I knew I had to reach out to others. I made sure I had a plan in place to get out with people, make new friends, and to reach back to others in my past to get out and have some fun. I began filling up Fridays with dates for shopping, lunches, an occasional movie, and more. I am a natural hermit, but I knew being solitary was not good for my mental or physical well-being.” – Sandra Snow, 61

Retirement Is All About Attitude

“Although many factors contribute to my successful retirement, being a consistent and dedicated surfer helped me attain many of my retirement goals. Surfing requires focus, dedication and timing to name a few things. Most of us will excel in any endeavor utilizing these three elements. I have found a productive activity that I love and I turned it into a habit. The success of my retirement depended on it.

“Surfing has been my motivation most of my life now, and is something I do several times a week near my home on the Big Island of Hawaii. Staying in good shape is very important to me. Surfing is fun and challenging with many hidden benefits. It most certainly has enhanced my life in more ways that I can tell.” — Rik Rodriguez, 56

Scheduling Time Makes for More Satisfying Retirement Days

“If you have a regular date with a garden club, book club, or just a coffee klatch, those ‘appointments’ give you a daily dose of meaningful moments that are priceless. I make a point every week to send birthday cards, letters, or messages to friends far away in distance, but never in heart. I don’t depend on time for these things to just appear — I plan for it! These remembrances really make a difference to you and the ones you remember!” – Tresa Patterson, 54

Volunteering Makes for a Successful Retirement

“Volunteering gives me the opportunity to meet new interesting and talented people. For example, I currently volunteer as an usher at the Chapman Cultural Center’s David Read Theatre in Spartanburg, SC. The theatre hosts plays, musical entertainers, movies, lectures, etc. The perks of volunteering are that I get to attend the events I usher for free. I have made many new friends, and I am able to learn while I have fun!

“Volunteering at my church also contributes to my happy retirement. I attend Restoration Church in Spartanburg, SC and volunteer as a greeter, serve on the decorating team, and at special events.” – Freida Thomas, 51


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People evolved to fight Cholera by Nathan Seppa

Some people in Bangladesh carry genetic alterations that seem to protect against cholera, a study shows. These changes apparently occurred over thousands of years as exposure to the disease exerted a form of natural selection on people in the Ganges River Delta.

Although cholera can cause lethal, dehydrating diarrhea, 60 to 90 percent of people infected with it experience few or no symptoms. That often happens when people have had prior exposure to the microbe that causes the disease, says Glenn Morris, an infectious disease physician at the University of Florida in Gainesville. But a portion of that protection may reflect underlying genetic differences in susceptibility to cholera, he says, and a possible biological mechanism for such safeguards.

Previous research had found a possible adaptation response to cholera in the Ganges Delta, which includes parts of Bangladesh. For reasons that are still unclear, people with type O blood are more susceptible to cholera than people in other blood groups. Perhaps not coincidentally, the Ganges Delta has the lowest occurrence of type O blood in the world, says Regina LaRocque, an infectious disease physician at Harvard Medical School and Massachusetts General Hospital in Boston.

But aside from blood type, LaRocque and others couldn’t explain why some families seem less susceptible to cholera than others. In the new study, she and her colleagues identified genetic variants in families from Dhaka, Bangladesh, that stood apart from variants in people from East Asia, West Africa or Europe.

The researchers then tested the DNA of 105 cholera patients in Dhaka and 167 people who shared households with them but who didn’t have the disease. When they looked closely at 28 of the highlighted genetic variants, there were five genes that differed between the people who were sick and those who weren’t, the researchers report in the July 3 Science Translational Medicine.

Some of the genes are implicated in inflammation, which runs amok in the intestines in response to the cholera toxin. But LaRocque says none of the genes make proteins that directly control inflammation. Rather, they are components that modulate or tweak that response, she says. That makes sense, she says, since entirely shutting down an immune response such as inflammation could leave a person vulnerable to other pathogens.

In a separate analysis, the scientists looked at patients who had severe cholera. This group was more likely than people impervious to cholera to have three other genetic variants, all of which are implicated in regulating fluid loss from the intestines.

Understanding the clues provided by these differences in immune responses to cholera might someday enable scientists to induce a kind of long-lasting protection that rivals what people garner after a bout with the disease itself, says study coauthor Elinor Karlsson, a Harvard geneticist and coauthor of the study. The need is great because the current cholera vaccine doesn’t provide long-lasting protection.


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Communities where people live longer

What do Seventh-Day Adventists in California, the residents of Sardinia, Italy and the inhabitants of the islands of Okinawa, Japan have in common? They enjoy the longest, healthiest lives on the planet. Dan Buettner assembled a team of researchers to seek out these “hotspots of human health and vitality,” which he calls Blue Zones, and to figure out what they do that helps them live so long.

Buettner, a world-renowned explorer and a writer for National Geographic, travels the world seeking out new Blue Zones (he’s found five, to date) and speaking at seminars and on TV, sharing the habits that lead to long life. He is the founder of Quest Network, and has set three world records for endurance cycling.

“Dan Buettner takes us on a journey to explore the secrets of longevity and in so doing introduces us to a world of joy in aging … at 91, this is very good news!”
Walter Cronkite

Connie’s comments: Hundreds of years ago, not only are men and women dependent on their garden, kitchen, hands and massage oil and potion in the areas of healing and health but also live in a community supporting each other where love and harmony abide.

Crowdfunding for Motherhealth –>

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