10 Reasons to Avoid Retirement

After a lifetime of working, it's certainly fun to dream about playing golf, laying on the beach and not having to deal with bosses or customers. But after a few months of relaxation, some retirees find that they miss the friends, structure and steady paychecks their career provided. Here are some of the reasons you might not enjoy retirement. 1. Like your job. If you enjoy the work you are doing, there's no reason to leave just because you hit a certain age. "A lot of times, your job defines who you are and you take part of your identity through what you do for a living," says Dana Anspach, a certified financial planner and author of "Control Your Retirement Destiny." If you retire, how will you answer the question: What do you do? 2. Need the money. Saving up enough money to pay for a 30-year retirement is a daunting prospect. "Many Americans don't have enough money to retire in this ultra-low interest rate environment," says Kimberly Foss, a certified financial planner and author of "Wealthy by Design: A 5-Step Plan for Financial Security." "The boomers are squeezed by their kids going to college, the kids moving back home and also having aging parents who are living a long time, too." Delaying retirement gives you more time to save and shortens the number of retirement years you need to save up for. 3. Avoid lifestyle cuts. Retirement often involves cutting back your lifestyle so you can live on the amount you have saved. Your retirement years could involve downsizing to a smaller house or condo, clipping coupons and eating at home to save money. "Some people can't give up the nice dinners out and latest style of clothing. They want to travel in retirement," Anspach says. A retirement job could give you some extra income to pay for luxuries. 4. Your health. Continuing to work could have a positive impact on your health. A recent study of about 429,000 self-employed workers in France by the French National Institute of Health and Medical Research, found people who retire later have a lower risk of developing dementia. "For each extra year of work before retirement, it lowers the risk of getting dementia by 3.2 percent," says Carole Dufouil, a director of research at the institute. "This is in line with the 'use it or lose it' hypothesis, which says that as long as you use your brain, it is efficient." 5. Better social life. Friendships are often forged with colleagues and might include lunches out or after-work drinks. You aren't likely to get invited to these events when you no longer share the same office. 6. Marital harmony. Retirement requires you to establish a new dynamic at home that will often include much more face time with your spouse than you had while working, which can create challenges for your marriage. The transition can go more smoothly if you have a job outside the home. "Being stuck at home every day, all day, can lead to some real issues in people's marriages," says Nancy Collamer, a career coach and author of "Second-Act Careers: 50+ Ways to Profit from Your Passions During Semi-Retirement." "By having something else in your life, it enables you to quite frankly get out of each other's hair." 7. Bigger Social Security checks. You get bigger Social Security benefits if you delay claiming your payments between ages 62 and 70. For example, a baby boomer who could get $750 per month at age 62 would get $1,000 per month at age 66 and $1,320 monthly at age 70. After age 70, there is no additional benefit to delaying your payments. Social Security benefits are calculated based on your 35 highest-earning years in the workforce. So, if you earn more than you did earlier in your career, you could further boost your payments. 8. Continue to defer taxes. Retirees are generally required to take withdrawals from their retirement accounts after age 70 and to pay the resulting income tax on the amount withdrawn. However, if you continue to work in your 70s or later, and don't own 5 percent or more of the company maintaining the plan, some 401(k) plans - but not IRAs - will allow you to defer withdrawals from that 401(k) account until you actually retire. 9. Workplace benefits. The group health and retirement benefits you get through a job are often better than what you could buy on your own as a retiree, which is particularly important for people not yet old enough to qualify for Medicare. Many workplaces also provide other perks including company paid travel, discounts on company merchandise and the occasional company party. 10. Helping others. Whether by mentoring younger employees or providing a service to the community, many workers help people through their jobs. The rewards you get from providing a valuable service often go beyond any paycheck you receive. "By the time people are well into their 50s, they generally are less driven by the next promotion or opportunity on the job," Collamer says. "They tend to be more motivated by wanting to make a difference in the world." Source: U.S. News & World Report – July 23, 2013

10 Things the Processed Food Industry Doesn’t Want You to Know

Processed foods are typically loaded with excess sugar, salt, fats, preservatives and other additives. What you may not know about processed foods is the extent of the havoc they can wreak on your body, a closely guarded secret that the processed food industry doesn’t want you to know. In short, though they may taste good and be easy to prepare, when you eat processed foods you’re exchanging convenience for your health. Donna Gates, author of The Body Ecology Diet, explains 10 reasons why you might want to think twice the next time you’re tempted to eat processed foods. 1. They’re Addictive and May Cause You to Overeat - Processing modifies or removes important components of food, like fiber, water and nutrients, changing the way they are digested and assimilated in your body. Unlike whole foods, which contain a mix of carbohydrates, fats, proteins, fiber and water to help you feel satisfied, processed foods stimulate dopamine, a feel-good neurotransmitter, making you feel good even though the food lacks nutrients. This dopamine stimulation can lead to excessive food cravings and food addiction. 2. They’re Linked to Obesity - Processed foods are virtually guaranteed to contain additives that are linked to obesity. This includes monosodium glutamate (MSG), high-fructose corn syrup, artificial sweeteners and more. Plus, refined carbohydrates like breakfast cereals, bagels, waffles, pretzels, and most other processed foods quickly break down to sugar; this increases your insulin and leptin levels, and contribute to insulin resistance, which is the primary factor of nearly every chronic disease and condition known to man, including weight gain. 3. They Break Principles of Food Combining - Some nutrition and health experts believe that eating foods in certain combinations helps your body’s digestive processes to work more efficiently and absorb more nutrients. According to one such premise, eating proteins and starches together, which is common in processed foods (such as a pepperoni pizza), inhibits digestion leading to putrification of your food, acidic conditions in your blood and supports disease-causing pathogens in your gut. 4. Processed Foods Lead to an Imbalanced Inner Ecosystem - The microorganisms living in your digestive tract form a very important "inner ecosystem" that influences countless aspects of your health. Processed foods disrupt this system, suppressing beneficial microflora and leading to digestive problems, cravings, illnesses and chronic disease. Beneficial organisms in your gut thrive on whole, unprocessed foods. 5. They’re Detrimental to Your Mood and Brain - Mood swings, memory problems and even depression are often the result of a heavily processed diet. The greatest concentration of serotonin, which is involved in mood control, depression and aggression, is found in your intestines, not your brain! Your gut and brain actually work in tandem, each influencing the other. This is why your intestinal health can have such a profound influence on your mental health, and vice versa – and why eating processed foods that can harm your gut flora can have a profoundly negative impact on your mood, psychological health and behavior. 6. Processed Foods Encourage ‘Eating on the Run’ - Processed foods are quick and easy, making them ‘perfect’ to grab when you’re on the go. But eating on the go, or while you’re multi-tasking, can cause you to lose touch with your body’s natural signals telling you you’re full, leading to overeating and weight gain. It’s also more difficult for your body to digest properly when you’re busily engaged in other tasks. 7. Nutrition Labels can be Misleading - A processed food may be labeled ‘natural’ or ‘sugar-free,’ but that doesn’t make it healthful. For instance, the natural food label on a processed food has no standard definition and really no meaning at all. A "natural" product is meaningless as it can legally be genetically modified, full of pesticides or made with corn syrup, additives, preservatives and artificial ingredients. The US Food and Drug Administration (FDA) also allows processed food manufacturers to use absurdly tiny serving sizes on their labels, which can lull you into a false sense of security when it comes to determining how much of each stated nutrient or toxin, like trans fat, you're actually consuming. 8. Processed Meats are Linked to Cancer - Processed meats are those preserved by smoking, curing or salting, or the addition of chemical preservatives, which includes bacon, ham, pastrami, salami, pepperoni, hot dogs, some sausages and hamburgers. Particularly problematic are the nitrates that are added to these meats as a preservative, coloring and flavoring. The nitrates found in processed meats are frequently converted into nitrosamines, which are clearly associated with an increased risk of certain cancers. Meat cooked at high temperatures, as many processed meats often are, can also contain as many as 20 different kinds of heterocyclic amines, or HCAs for short. These substances are also linked to cancer. 9. Processed Foods May Increase Your Risk of Infertility and Malnutrition - Because processed foods are stripped of nutrients your body needs, you could be eating a large number of calories but still become malnourished. In just three generations, a nutrient-deficient diet can lead to infertility, which is on the rise in the US. Processed foods often contain genetically modified (GM) ingredients, which are also linked to reproductive problems. 10. Processed Foods Lead to a Long Shelf Life, Not a Long Human Life - Processed foods can last a long time on the shelf without going bad, thanks to their chemical cocktails of preservatives and other additives. Unfortunately, their makers put a lot of money and time into strategies to increase shelf life and create attractive packaging, with little attention put on the foods’ nutrient value or how it will actually detract from lasting health. A Simple Step-by-Step Guide to Ditching Processed Foods When it comes to staying healthy, avoiding processed foods and replacing them with fresh, whole foods is the "secret" you've been looking for. This might sound daunting, but people have thrived on vegetables, meats, eggs, fruits and other whole foods for centuries, while processed foods were only recently invented. Many of the top executives and scientists at leading processed food companies actually avoid their own foods for a variety of health reasons! Try to spend 90 percent of your food budget on whole foods, and only 10 percent on processed foods (unfortunately most Americans currently do the opposite). This requires that you plan your meals in advance. Ideally, this will involve scouting out your local farmer's markets for in-season produce that is priced to sell, and planning your meals accordingly, but you can also use this same premise with supermarket sales. You can generally plan a week of meals at a time, make sure you have all ingredients necessary on hand, and then do any prep work you can ahead of time so that dinner is easy to prepare if you're short on time in the evenings (and you can use leftovers for lunches the next day). Further, by cutting out these high-glycemic foods you can retrain your body to burn fat instead of sugar. However, it’s important to replace these foods with healthy fats, not protein—a fact that’s often not addressed. If you're currently sustaining yourself on fast food and processed foods, this is one of the most positive life changes you could ever make. Source: mercola.com, 7/17/13