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Paying off the house used to be a cause for celebration, but many retirees no longer see it that way. An increasing number of older Americans prefer to have a mortgage. They may have the means to buy with cash but choose instead to take advantage of prevailing low interest rates and tax breaks, while freeing up their savings for other uses. Some may wonder if they can still qualify for a home loan without having a full-time job. But more often than not, banks are willing to lend — as long as you have regular monthly income, like a pension and Social Security, or retirement assets. This compares with just

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Beth Holland and her husband, Chuck Queener, both in their early 70s, could have paid cash for a condo in a plus community in Newtown.

To identify the characteristics associated with the escape or delay of cognitive decline, we initiated the plus Study www. The plus Study is an on-going prospective cohort study of Dutch centenarians who self-reported to be cognitively healthy, their first-degree family members and their respective partners.

We collect demographics, life history, medical history, genealogy, neuropsychological data and blood samples. Centenarians are followed annually until death. To date September , centenarians were included in the study. Centenarians came from higher socio-economic classes and had higher levels of education compared to their birth cohort; alcohol consumption of centenarians was similar, and most males smoked during their lifetime.

The cohort was 2. Comprehensive characterization of the plus cohort of cognitively healthy centenarians might reveal protective factors that explain the physiology of long-term preserved cognitive health. Although increasing age is the strongest risk indicator for cognitive decline and dementia, it is not an inevitable consequence of aging.

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In many cases, podcasts can be entertaining and insightful for people of all ages, but there are quite a few that are geared towards millenials, or the younger generation also known as Generation Y. A podcast is audio only — no video. There are podcasts in all genres, from politics to sports to culture to comedy to everything in between. Typically, podcasts are structured like a typical radio show — there is a host, and that host often interviews people about a specific subject.

By the end of a podcast, you generally achieve one of the following:.

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It primarily provides health insurance for Americans aged 65 and older , but also for some younger people with disability status as determined by the Social Security Administration, as well as people with end stage renal disease and amyotrophic lateral sclerosis ALS or Lou Gehrig’s disease. In , according to the Medicare Trustees Report, Medicare provided health insurance for over These additional so-called out of pocket OOP costs can include deductibles and co-pays; the costs of uncovered services—such as for long-term custodial, dental, hearing, and vision care; the cost of annual physical exams for those not on Part C health plans that include physicals; and the costs related to basic Medicare’s lifetime and per-incident limits.

Medicare is funded by a combination of a specific payroll tax , beneficiary premiums and surtaxes from beneficiaries , co-pays and deductibles , and general U.

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In fact, Oughterard is where the bus from Shannon will take you, to an inviting hotel for your first night in a storied land. The afternoon takes us ever closer to the sea, ending at the seaside itself and the town of Furbo. Our hotel has a swimming pool; the ocean has a beach. Not surprisingly, fishing is a local industry and has been as far back as memory can reach.

The facts that views are often delightful and the sense of a quieter world is omnipresent has no particular relevance to the fishing industry but is certainly a plus for the bicycle rider. The following day we move through increasingly grand scenery to Clifden, skirting Cashel Bay and pausing for lunch at Roundstone, a fishing village discovered some years ago by artists who now give the place its own distinctive touch.

Crab, shrimp, mackerel and cod are in plentiful supply in Roundstone, but lobster is king. This is the perfect town in which to learn how to fillet fish, and in fact, in our tour of the Connemara Smokehouse we will see a demonstration of just that. Two nights in Clifden allow for perhaps the most scenic ride of the tour, along Sky Road described as both infamous — does that mean steep? We also have a free afternoon to poke about in Clifden, historically a market town now complete with craft shops bringing it into the 21st century.

19 Best Podcasts Perfect for Seniors, Baby Boomers, and the Older Generation

Push-ups have long been the symbol of optimal fitness. They are still used by the U. Army and the Presidential Physical Fitness Challenge to assess strength and endurance.

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