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  • Best Foods for All-Day Energy

    It seems the older we get the less energy we have. Although it may seem easier to take a supplement or better yet a nap, there are foods you can eat to boost your energy level. One thing you can do is have a healthy snack. Below are eight healthy snacks that help increase your energy level to help you make it through the day.

    Cantaloupe and other melons

    Melons like cantaloupe, honeydew, and watermelon are packed with vitamins and minerals.  These melons are 99 percent water helping you stay hydrated while providing your body with energy. Dehydration is one of the main causes for fatigue, so next time you are a feeling tired cut up some melon for a snack or add it to a salad for a sweet punch of flavor.

    Walnuts

    Walnuts are a natural source of melatonin. What is melatonin? Melatonin is a hormone that our body naturally produces to help regulate our level of sleepiness. We all know when we get a good night sleep how we have more energy the next day. But as we age our bodies produce less and less melatonin. Walnuts can help your level of melatonin, helping you sleep better. There are supplements at your local health food store, but if you’re not ready for supplements try having walnuts as a nighttime snack.

    Coffee

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  • 6 Things to Bring With You When you Travel

    When it comes to air travel, there are few essentials you want to bring with you to help make your travels easier. Whether your plane ride is taking half way around the world or just a few hours, here are six things you want to be sure to bring with you.

    Essential medications

    When traveling you always to bring your essential medications. You also want to make sure you keep them with you and not check them in a bag. There is no way of knowing if a flight will get delayed or if your luggage will end up getting lost. Anything that you have to take daily, make sure you keep it with you. You may also want to bring other medication like aspirin or heart burn relief medicine. You definitely want to stay healthy while traveling.

    Entertainment

    Flying can be grueling if you do not have things to keep you busy. Books, magazines, music, movies, and other electronic items are perfect for long flights. Ear plugs are also a good idea if you plan on reading on your flight and do not want to be bothered by noises on the plane.

    Snacks

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  • 7 Dangers to Your Retirement

    When it comes time for retirement there are a lot of financial situations that can disrupt your smooth sailing into the sunset. The best thing you can do is educate yourself on the things that can affect your retirement the most and plan accordingly. Below is a list of seven things that can affect your bottom line when it comes time for you to retire.

    Pension plans can change

    Obviously your employers cannot take away benefits you have already earned, but they can reduce your benefits going forward. Many employees do not realize the change in their benefits and end up working longer to make up for losses.

    Switching jobs

    Sometimes you cannot help changing jobs. Switching jobs often can affect traditional pension plans. A traditional pension plan usually means that an employee contributes to your 401(k) but does not have to pay it to you until you have worked for the company for five years. Understand your employer’s contribution and exactly what you need to do to get that contribution. Many companies only match what you contribute after five years.

    Don’t leave money behind

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  • Retirees: You May Need More For Healthcare Costs

    This week Fidelity Investments released their annual projection of healthcare costs in their annual report on retirement planning. Aol.com published an amazing article about the findings of the report and also analysis from experts in the field.

    This year’s report projected an average couple that retires this year would need $240,000 for healthcare expenses, which is a 4 percent rise compared to last year’s report.

    The study is based on a 65-year-old couple retiring this year with Medicare coverage. The study takes into consideration how much the federal program covers as well as the out-pocket-costs many seniors have to cover that are not covered by Medicare.

    The report from Fidelity may change once the U.S. Supreme Court decides on the 2010 health care law. The important thing to remember with the report is healthcare costs need to be considered when planning for retirement, especially since costs are projected to rise.

    To read more about Fidelity’s report and expert and to read the full article, please visit aol.com

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  • What Do You Think Your Home is Worth?

    By Tim Sprowitz

    Tim Sprowitz is a Director of Mortgage Banking at One Reverse Mortgage and has been helping clients accomplish their goals for over nine years.

    In the Reverse Mortgage industry the value of your home is just one of three factors that determines the amount you can qualify for. The other two are age and interest rate. So, what can you do to figure out your home’s value? While there is no exact science to finding the value of your home, there are many free resources available that you can use to get a general idea of what your home’s value may be. Keep in mind that you will need the lender to order an official appraisal to determine the actual value of your property. A good home value estimate will help you get the most accurate numbers possible.

    What an Appraiser uses to determine value

    An appraiser will be looking at the overall structure and the general condition of the property. A visibly leaky roof will harm your appraised value, as well with any visible structural damage.

    Big factors that determine value are:

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  • 10 Easy Exercises For Seniors

    As a senior it can be hard to stay fit due to limited mobility. There are still a few exercises that are perfect for seniors of all ages. There are so many benefits of working out and it is so important to your overall health. Below are 10 of the best exercises for seniors.

    Walking

    Walking has so many benefits for the body.  Walking is a good exercise to start with if you haven’t been working out in a while. You will feel a difference in your body in one day with just a short walk. It is the perfect exercise that works the whole body.

    Swimming or water aerobics

    Swimming is a low impact workout that is good for seniors who have joint pain. It is an exercise that is offered at many YMCAs and many high schools offer classes to seniors. Swimming can lower stress levels and improve flexibility.

    Yoga

    Gentlemen, before you skip over this paragraph on yoga at least read it! Yoga is not just for women and it can be very challenging. Yoga is a wonderful exercise that stretches muscles and improves flexibility. Introductory classes are a great way to learn about yoga and see if it a program for you.

    Step aerobics

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  • 10 Credit Myth Busters You Should Know

    By Bill Rice

    Bill Rice is a writer for the Quizzle Blog, providing tips and tools from credit checks to saving money and everything in between.  

    Who doesn’t like the Mythbusters TV show?

    They’ve helped me get over my fear of being decapitated by my ceiling fan, convinced me that I can eat off my toilet seat because it’s the cleanest surface in my house (maybe not totally convinced here), and made it almost impossible for me not to want to drop Mentos into every 2-liter bottle of soda I see.

    Myths are always fun to debunk and on occasion they can even have a practical purpose–like debunking credit myths. I’m constantly amazed at how many people are settling for bad or marginal credit scores because they have bought into one or more of these myths.

    10 Myths that could be hurting your credit score:

    1. Checking My Credit Report Hurts My Credit Score

    No! No! No! It’s so unfortunate that this myth has taken hold. It is probably one of the most damaging ones, which is why I list it first. If you don’t regularly check your credit report you won’t be able to fix the bad and reinforce the good. It could also leave you exposed to identity theft and new account fraud. We’ll talk about that in a minute.

    It’s your right to check your credit report. Do it as often as you like. Our friends at Quizzle.com will give you a freecreditreport, withoutacreditcard, from Experian.

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  • Quick Tips to Spring Clean Your Finances

    If you have finished your spring cleaning around your home, now is time to tackle your finances. Many people often forget to keep their finances in order which can lead to big issues later on down the road. Below are some tips and suggestions to help you spring clean your financial situation.

    Shred old documents

    The first step to cleaning your finances is to shred old documents you no longer need. For a helpful guide on how long you need to keep certain documents visit usa.gov and search for “Managing Household Records.”  The usa.gov website is a useful website to use for keeping track of what documents you should be keeping and what one you can shred.

    Once you have checked out what documents you need to keep, start making piles of what you are keeping and what you need to shred. Remember that all of your financial documents need to be shredded, do not simply through them away. Dishonest people could get a hold of your person information and use the information.

    Review your beneficiary forms

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  • The Best Destinations Worldwide According to TripAdvisor

    TripAdvisor has announced their list of Traveler’s Choice Destinations for 2012. The full list includes over 400 destinations worldwide.

    The top 25 includes a few locations from America (New York City and Chicago to name a few) which is pretty remarkable considering the list is comprised of locations from around the world.

    TripAdvisor is the world’s largest travel site and one of the best websites when it comes to find information for traveling. You can find lists of the best beaches, bargains and even information from people who have traveled the world over.

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  • Potential Money Pitfalls for Retirees

    For many people, getting to retirement is a huge accomplishment. It means more time to spend with friends and family doing exactly what they want to do and no more worries about working. While retirement can be wonderful time, there are several pitfalls that can happen to retirees and more important their nest egg. Below are a few pitfalls all retirees should know about.

    Credit cards

    No matter what age you are at, credit cards can be dangerous. According to postconsumers.com the average American has almost four credit cards in the wallets. The average American is about $15,000 in credit card debt. The only way to prevent credit cards from becoming a money pitfall is to pay them off each month. That is not also possible, especially for seniors who are living in fixed incomes. Try not to rely on credit cards to pay bills. Balances on credit cards can quickly snowball out of control. Try to evaluate your purchase to see if it something you really need and can afford before making the purchase.

    Phone scams

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