Longevity for You

Stephen Lau
 
Healthy Living

for

Longevity

by

Stephen Lau
           Changes in Longevity Lifestyle


Healthy living is a longevity lifestyle, which must change as you age. Such changes in your lifestyle are inevitable. It is important to know your options available and make the right choice based on those options. Make aging the time of your life.

Aging is a privilege. Take advantage of it. The U.S. government gives free money to seniors. Although it does not advertise it, the money is there as grants in the form of home improvement, craft, travel, and just about anything. If you are a senior, find out more information about what is rightfully yours from
Free For Seniors. Free money may make your healthy living more affordable.

Aging is an opportunity, not a problem in your longevity lifestyle. It provides an opportunity for you to do the things you always wanted to do or wished you could have done. As you age, you may have a new perspective of your potentials, your capabilities, and life in general. Based on these perspectives, make plans to achieve your personal goals, and modify your longevity lifestyle accordingly for healthy living.



                  
Positive Facts about Aging


If you are over 65, you belong to the 10 percent of the U.S. population heading towards longevity. If you are one of them, continue to forge ahead with your healthy living!

•  Only 5 percent of individuals over 65 are confined to an institution. Healthy living assures you will not be one of them!

•  95 percent of individuals over 65 are healthy without chronic health problems. If you are one of them, good for you! Continue your healthy living!

•  Your cognitive function does not decline dramatically as you age. The majority are capable of learning new skills and acquiring new information. In general, your ability to learn is affected not so much by your age as by your desire. Keep up with your desire, and don’t lag behind the world of information and technology! This is commendable healthy living at its very best. (Read my web page
Brain Health.)

•  Your physical strength is maintained from biological maturity until age 60. But physical strength and body mass are more related to disease and health than to your number of years. Use it or lose it! The longevity lifestyle is one which is physically active. Keep yourself mobile for healthy living! (To find out how to prevent falling and keep yourself mobile, read my web page
Mobility for Longevity.)

Remember, good posture is also important in preventing falls and improving muscular strength for a healthy longevity lifestyle. Go to my web page:
Good Posture.



                          
Happy Retirement



To retire or not to retire?


The first question that pops up as you advance in your years or approach the benchmark of 65 is:
Should I retire or not?

The next question is probably:
When can I retire? Or, a more practical third question may be: Can I retire?

To answer the first question, you should consider the following:

•  If you can afford to retire, do you want to retire?
•  Do you like your job that much?
•  Do you get much personal satisfaction from your job?

To answer the second question, the decision is all up to you. Remember, you are no longer required to retire at 70 (the 1986 amendments to the Federal Age Discrimination Act).

The age for you to receive your full
Social Security benefits is as follows:

•  65 and 6 months (born in 1940)
•  65 and 8 months (born in 1941)
•  65 and 10 months (born in 1942)
•  66 (born in 1943-1954)
•  66 and 2 months (born in 1955)
•  66 and 4 months (born in 1956)
•  66 and 6 months (born in 1957)
•  66 and 8 months (born in 1958)
•  66 and 10 months (born in 1959)
•  67 (born in 1960)

What you need to consider is: Are you ready to retire for healthy living?

Retirement requires physical, psychological, and mental changes, as well as their associated adjustments. Without adequate preparation, both the change and the adjustment can be challenging and overwhelming, putting stress on your healthy living.

To answer the third question, you need to do some financial consideration and planning to determine if you can afford to retire:

•  Cash flow (How much cash do you have?)

•  Spending patterns (Are you going to modify the way you are spending your money?)

•  Liabilities (How much do you owe - mortgage and credit card debt?)

•  Assets (What is the monetary worth of your residence, stocks and bonds etc.?)

•  Net worth (Cash + Assets - Liabilities = Net Worth)

Preparation before retirement

Healthy living requires you to adopt a positive attitude towards your retirement. Look upon your retirement as a new phase in your life, the time of your life. Face yourself afresh. Be good and ready when it is time to retire, so that you may enjoy your longevity lifestyle for healthy living.

Financial planning

• 
Mortgage options - Refinancing? Bi-weekly instead of monthly payments? Reverse mortgage?

•  Insurance coverage - Life insurance (term, whole life, variable)? Disability insurance?

•  Investment options - What are they?

•  Social Security and other retirement and survivor’s benefits - How much will you be getting?

Legal planning

•  Property ownership: Joint Tenancy with Right of Survivorship; Tenancy by the Entirety; Tenancy in Common; Community Property.

•  Discuss with your attorney which type of ownership is most appropriate for your needs.

•  Estate planning in the event of death or a natural
disaster

•  Making a will

•  Setting up trusts

•  Power of Attorney

•  Durable Power of Attorney for Health Care

Make inventory of assets, liabilities, life insurance, records and licenses: organize all documents and receipts. Make them readily available.

Register with your Social Security office a few months prior to your retirement.

Prepare for psychological changes e.g. idleness, feeling of worthlessness, social withdrawal as a result of your retirement. How are you going to face them?

Where to retire?

Where to retire? To move or not to move? To downsize or stay put? These are some of the difficult questions you may face when you retire.

To help you make your decision, here are some facts to consider for your healthy living:

•  Average Americans change homes every 4 years, not only within the same community but also to other cities and states. However, about 20-25 percent move away, and no more than five percent actually move to another city or state; 75-80 percent opt for downsizing within the same community.

Many prefer to stay put for the following reasons:

•  Inertia preferred to motion

•  Social concerns: church, clubs, friends, neighbors

Less stress, less challenge (knowing your bankers, stores, neighbors, getting around)

The majority prefer to downsize to a smaller house mainly because of:

•  Less care and maintenance - indoors and outdoors

•  Less cost - utilities and tax

These factors may have long-term effect on your healthy living.

To move to another city or state, you need to consider the following factors:

•  Weather - no perfect year-round weather

•  Location and accessibility

•  Health problems - respiratory, heart, and rheumatic

•  Social life - proximity to friends and families

•  Cost of living

•  Longevity lifestyle and social life - golf, tennis, ski, clubs

•  Cultural and intellectual environment - plays, performing arts, museums

•  Facilities - transportation, shopping, entertainment, and medical

•  Finance and employment/income opportunities - find out from local papers

•  Safety

If you wish to retire to some exotic place, such as Mexico, consider reading this book:
Mexico - The Trick Is Living Here is a resourceful book on retiring and living in Mexico. It gives you genuinely first-hand “how-to” information to enrich your experience in Mexico. It is a must-read book if you plan to visit or retire in Mexico for satisfactory healthy living.

Remember, relocation is always irreversible, and moving is always expensive, and difficult physically and psychologically. Be overcautious rather than be sorry later. This is an important decision regarding your longevity lifestyle for healthy living.



  What to Do with the Rest of Your Life?



Is your retirement going to be a perpetual holiday in your longevity lifestyle for healthy living?

Is your perpetual holiday going to bring your happiness, which is important in the second half of your life?

If you like shopping, you can shop till you drop; if you like traveling, you can leave your footprints everywhere on the globe. But there is more to life than just enjoying yourself. The bottom line: What makes you happy
in your healthy living?

Spiritual health is an important component of longevity living. Your leisure is what you do because you want to do it. You look forward to doing it. You feel good about doing it. You do it because it benefits not only you but also others.

Most importantly, your leisure has to satisfy your spirit as well - it gives you a sense of satisfaction, a sense of achievement. Man does not live by bread alone, nor does he thrive on only personal enjoyment. Your life has to be
meaningful and rewarding, providing you with the incentive to go on against all odds, to make the most and the best of what has been given to you, or maybe what is left of you. Without this incentive, the latter part of your life may become depressing, and depression may play havoc with your healthy living. Spiritual health is an essence of longevity living.

(Read my web page
Spiritual Health.)

Of course, retirement is transition from work to leisure. Give yourself ample time to enjoy what you want to enjoy in your life - an enjoyable longevity lifestyle for healthy living. It is important that every morning on waking up, you can look forward to something. "Having nothing to do” is not the healthy living you wish to have for the rest of your life.

Boredom saps physical and mental strength from you, resulting in languor and turpitude, which are not good for your overall mental and physical health.

So do something with the rest of your life, so you may live long and enjoy your healthy living!


                 
Choosing a Second Career


If you are a workaholic, choose a second career. If you are not, and if you don‘t need the money, why do you seek employment?

•  Self-respect?
•  Recognition?
•  Need for socialization?

Unless you look for a completely new job and a new career, continuing to do what you were doing prior to your retirement does not present much of an incentive or a challenge in your life. In other words, unless you really enjoy doing what you had been doing, there is no rhyme or reason for you to continue with what you were doing before.

In your second career, try to do something entirely different, something that would add spice to your life. Anything stimulating will add years to your life and delay your degeneration down the road to longevity living.

Consider the following healthy living:

•  Working for others from your home

•  Starting your own business: an internet business or a franchise. To find out how to start a simple online business, read my book Blueprint For Success In Affiliate Business.

If you start an online business, you may need a web site. Creating a website is easier than you think if you have the right tool.
Blue Voda provides not only a free and easy-to-use website creator tool but also web hosting services at very affordable prices. Just try the software free and see how it goes. As a matter of fact, all my websites were created using Blue Voda's state-of-the-art website creator tool. If I, without much computer knowledge and training, can create a website such as this one, anybody can!



                       
Doing Volunteer Work



Help others to help yourself stay forever young. The privilege of helping others without getting paid affords you the utmost satisfaction - just like it is more blessed to give than to receive. Volunteer work gives you:

•  A chance to pay back to society
•  A chance for recognition
•  A chance to contribute to a worthy goal
•  A chance to be thankful for being more fortunate than
    others
•  A chance to meet congenial people sharing the same
    benevolent interest

The rate of volunteering decreases with age. Elderly men volunteer slightly less often than elderly women do.

Choose the type of volunteer work based on your interests, expertise, skills, and passion. Working for others without pay extends years of your life - it is extremely meaningful healthy living.



                        
Improving Yourself



Improve yourself by attending classes in community colleges, continuing education programs in universities and colleges. Engage yourself in an educational longevity lifestyle will make you feel about about yourself.

•  To seek knowledge for its own sake
•  To be accepted by others
•  To make new friends
•  To participate in group activities, such as discussions
•  To gain new perspectives about your personal
     problems and attitudes in life
•  To sharpen your mind
•  To enrich your life

Courses of all kinds are available to any willing learner:

•  Learn a new foreign language for healthy living

   According to a Canadian study, those who are fully bilingual and speak both languages everyday for most of their lives can delay the onset of dementia by up to four years, compared to those who only know one language. This demonstrates how language learning can enhance mental abilities of the aging population. Learn Chinese, Spanish, French or any foreign language.

   Learning Spanish Like Crazy, which comes in 4 CD package, gives you comprehensive instructions in learning Spanish. Learning Spanish Like Crazy is especially ideal if you already know some Spanish and would like to take your Spanish speaking skills to the next level.

•  Learn a
new musical instrument for healthy living

   If you are musical or a lover of music, you can learn to play any instrument in next to no time.

   Instrument Master is the biggest music school on the Internet, where you can get music instructions to play the piano and the violin. You don’t need to go to a music school to learn to play these instruments for fun and enjoyment. Instrument Master allows you to download hundreds of videos. If you want to start learning to play these instruments, or to refresh your rusty techniques, Instrument Master is the way to go.

   To get the computer software to read your piano music like a pro, go to
Computer Is Fun, which is helping children and adult beginners, such as you, around the world.

   Or, learn how to play any of your favorite songs, and perform like a seasoned player in less time than you have ever dreamed of from
Unlock The Guitar. It is the beginner’s guide to playing and singing your favorite songs on the guitar.

•  Learn a
new skill for healthy living

    Learn calligraphy, knitting, painting, pottery to maintain your motor skills. Calligraphy is specially recommended because it helps you concentrate, steady your mind, giving you peace and satisfaction.

   Art For Everyone is online art lessons by the celebrated artist Bennecelli, promoting appreciation and involvement in the arts, including drawing faces, portrait painting, and calligraphy. The lessons are interesting and easy to follow. In addition, Bennecelli shows you how to make money from your art.

•  Learn a
new hobby for healthy living

   A new hobby gives you a fresh evaluation of yourself. For example, you have never taken up fishing as your hobby, and now you would like to try it out.

•  Learn a
new business for healthy living

   Setting up an Internet business is easier than you think. Doing a business may become a part of your longevity lifestyle. It requires dedication, discipline, and determination - all these attributes are good for your healthy living. Setting aside the financial aspect, doing a business gives you a purpose in life, and is most rewarding in terms of
self-satisfaction. As you age, your perception of your self-worth has to be continually sustained in order to reduce the risk of depression. (For more information on depression, go to my website Rethink Your Depression.)

   An Internet business does not require much manpower or monetary investment: it requires only your time, which you have plenty now that your have retired. Where else can you find a another business like an online one that you can do part-time and at your leisure? Explore the opportunities and possibilities for your healthy living.

How about stating an
eBay business - selling some of the junk in your home?

The eBay Newbie Course gives you clear instructions on how to set up a successful eBay business if you don’t know where and how to start. In addition, it teaches you how to set up stunning auction listings with a professional look. It has everything you ever wanted to know about auctions at eBay.

Garage Sale Strategies for eBay Success is a useful complementary guide to finding hidden treasures in garage sale for auctions at eBay.

While 99.9 percent of people presume that to make money with eBay they need to sell their own products or items acquired from garage sales, thousands are in fact making real money with eBay without ever having to ship a product or deal with a customer!

Build A Niche Store is the first tool to give you complete control over all of the products contained inside the eBay marketplace without the need for extensive technical knowledge.


For more information on making money online, go to my web page: Make Money Online.



        Expressing Yourself for Healthy Living





How about
writing a book for healthy living?

Do not be daunted by the idea of writing. Everybody can write, and everybody has something to write about. Trust me, if you want to write, you can write.

Did you know. . . . you can get PAID for expressing your opinions?

How about
writing an e-book and earn some extra money?

But you need proven experts to show you step-by-step how to write and publish a profitable e-book on the Internet. You can write about your expertise, hobby, or just about anything. Make writing a profitable component of your longevity lifestyle. Writing is an excellent exercise for the brain for healthy living.

How To Write And Publish Your Own e-Book will show you the way to success with your own e-book publication.

In
Easy Writing Biz, you will discover all the tips, tricks, techniques and secrets you need to know to make BIG money as an Internet writer, even though you think you may not write well. But you just can’t jump on the bandwagon and try. You need guidance from someone who has been there to show you how. Easy Writing Biz shows you the many different ways you can make money by writing on the Internet.

Creative writing is fun. Writing a book of fiction may enlighten your mind and extend your life. How about that for your healthy living?

New Novelist, based on tuition used in England’s leading university creative writing course, is simple to install, fun to use, has been enjoyed by over 50,000 people in 25 countries - and is supported by an established company that provides support as and when you need it.

Nowadays self-publishing is easy and cost-effective. You can publish virtually anything, from fiction, non-fiction, journal, photo album, to family scrap book. It is fun and cost you minimal. Become a writer at any age!

Sharing your expertise for healthy living

Try blogging on the Internet. It is fun and may even be profitable.

Expressing opinion is a new online money-making opportunity.

Go to
paid survey web sites. Find out how you can express your opinions and get PAID! That is not bad for your longevity lifestyle! Paid Surveys On Line provides hundreds of research companies that are willing to pay you between $15 and $75 per hour simply to answer an online survey in the peacefulness of your own home. That is all there is to it, and there is no catch or gimmicks!

However, beware of scams, which often share the following in common: outdated information; non-working links; links to other sites asking for more money; no help section; no 100 percent money-back guarantee; and no support section.

Paid Survey Online is one of the highly recommended paid survey web sites.



           Grand-Parenting for Healthy Living





Grand-parenting makes you feel younger and more responsible, and enhances your family relationship. Wherever possible, spend quality time with your grandchildren: play with them, and teach them through activities and games.

My book,
How To Teach Children To Read, shows you step by step how you can teach children reading strategies through 90 activities and games. You do not need a course in reading instruction before you can effectively teach reading and writing. It is fun and mind-stimulating to play with your grandchildren and to be able to teach them a skill that they will use all their lifetime.


          
Leisure Activities for Healthy Living



The following are some of the leisure activities of individuals as they age:

•  Surprisingly or maybe not,
gambling is a favorite pastime in one out of four seniors due to lack of social life.

•  About 25 percent of seniors find
animal companionship in owning a pet.

• 
Outdoor gardening is the most common solitary leisure activity.

Walking is by far the most dominant source of physical activities for individuals who are aging.

•  Take up
golf, which is an anti-aging sport for seniors. Go to my website: Golf Tips And Golf Information Center to get the best golf tips and all your golf needs to play the sport at any age.

•  Over 70 percent of seniors participate in
religious activities.

•  Nearly half make regular
day trips to lakes and beaches.

•  About 20 percent travel out of the United States or have
foreign vacations at least once a year.

   If you like to travel inexpensively or even fly free, you may want to consider
Fly Free. It reveals the secrets airline don’t want you to know; how to get your grandchildren fly free; strategy to get free airline ticket; how to fly anywhere in the world only paying the ticket’s tax; and the truth about last-minute airfares. You may find Fly Free useful in your future travels, especially if you fly a great deal.

   If you travel extensively, you may want to get all the tips on travel cheap and travel well from
Travel Cheap, Travel Well, which tells you all the travel hot spots, the unknown secrets, the special deals and comprehensive travel savvy - knowledge that would take you years to learn on your own.

As you age, you life may continue to be rich and exciting, irrespective of how much money you have. The trick is the know-how. Be knowledgeable in your longevity living.

Return from Healthy Living for Longevity back to the Home Page

Copyright©2007 by Stephen Lau


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Changes in Longevity Lifestyle
Positive Facts about Aging
Happy Retirement
What to Do with the Rest of Your Life
Choosing a Second Career
Doing Volunteer Work
Improving Yourself
Express Yourself for Healthy Living
Grand-Parenting for Healthy Living
Leisure Activities for Healthy Living