Monthly Archives: March 2018

A Harvard scientist who’s studied coffee for 20 years explains why the drink is amazing.

For the coffee lovers (jarDaughter)

Coffee is certainly a very complex beverage,” Hu told INSIDER. Besides caffeine, it contains hundreds, perhaps thousands, of bioactive compounds. So it’s very difficult, perhaps impossible, to tease out the effects of individual compounds or chemicals

Pour a cup and read the rest here.

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Infrastructure, Health Care, Education Lead Iowa to No. 1 Best States Ranking

Add to things we should already know.

Iowa may be better known for its corn, caucuses and creative writing programs, but the Hawkeye Cyclone state also leads the nation in efforts to bring ultra-fast internet access to every city block and every rural acre.

Iowa’s No. 1 rankings in the infrastructure category and the broadband access metric within that came as a “pleasant surprise” to David Daack, a broadband consultant for Connected Nation, which does business in the state as Connect Iowa. Previous data reports have shown Iowa more in the middle of the pack.

“When people think of Iowa, they usually think of agricultural places that won’t necessarily need to be connected,” Daack says. “But given the big data needs of agriculture today and in the future, those areas are going to need to be every bit as connected as the urban areas. … You could almost argue that maybe we should go (to the farms) first and work our way back into the cities.

The full article is here.

Iowa direct link

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Exercise Is The Best Anti-Aging Therapy

Cycling is fine, but you need to obey the traffic laws.

A new study in England on older cyclists found that a lifetime of regular exercise gave them the physique of much younger people, providing evidence that physical activity can beat a medicine cabinet full of anti-aging products.

The multi-billion dollar anti-aging industry provides a cornucopia of products that promise to fight off the ravages of time with special food supplements, diets, creams, oxygenated water and a host of gadgets that supposedly remove toxins from the body. It makes it sound like all we need to do is pop a pill and our lives will be extended.

And when our bodies do begin to slow down and diseases creep in, another huge industry of pharmaceuticals and therapies take over to fight it off. Our aging society is spending a lot of money trying to fight off old age. But the cheapest and oldest therapy for an aging body is good old exercise. Sadly it’s the one prescription many people are not taking

Read more here.

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Surprise, Money Doesn’t Guarantee a Happy Retirement. Here’s What Does.

Their first item is ‘Reduce financial stress.’ Wouldn’t money do that?

Retirement might sound wonderful, but all too often the reality is disappointing. Some 28 percent of recent retirees polled by Nationwide Retirement Institute last fall said that life was worse in retirement than it was when they were working. It’s one of several surveys to find that, for roughly a quarter of retirees, life after work involves isolation and a loss of direction.

The article.

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How to handle market volatility close to retirement

I believe in the bucket approach.

Grouping your retirement savings into different buckets and investing them accordingly can also bring peace of mind and manage risk during a market freakout, explained Saulnier.

The first bucket is the cash you will need for the first two years of retirement not including any other sources of income, like a part-time job, pension or Social Security in cash.

Read the full article here.

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50 Personal Finance Habits Everyone Should Follow

For the Son and/or Daughter.

Hopefully, you have a lot of good personal finance habits too. How many of these apply to you?

1. Taking advantage of your employer’s flexible spending account. These accounts not only reduce your tax liability, but they also act as a de facto quasi-savings plan.

10. Saving part of your income for retirement. Try saving at least 10 15 percent from every paycheck; it’s never too late to start.

12. Spending less than you earn every month. File this one under “D” for “Duh!”

23. Paying the bills on time. By doing so you’ll avoid spending money on needless late fees.

43. Negotiating whenever the opportunity presents itself.

Read them all here.

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