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Life Extension: The Modern Anti-Aging Movement – Are We Standing at the Threshold of Immortality?

July 17, 2016 by · Comments Off on Life Extension: The Modern Anti-Aging Movement – Are We Standing at the Threshold of Immortality?
Filed under: General 

Why is skincare the focus of longevity research? I guess a cell is a cell, and if you can crack the code for one human cell, it is only a matter of time to solving the puzzle with different types of cell – and skin is without doubt the most visible cells each of us have. And it’s our faces in particular we often judge ourselves and others by, and we are in turn quickly scrutinized, and often opinions reached in a fraction of a second. Our faces often show the most visible signs of aging, and for many in modern society age is by nature “bad” and young or looking young is the ideal. That is why billions and billions of dollars each year are poured by consumers into all sorts of treatments to minimize wrinkles, to push back the effects of gravity, and to turn back the hands of time. And with that much money to be spent by consumers, there are many manufacturers eager to find the next step in arresting Father Time – and at least detaining him until the next stagecoach arrives, where hopefully he can be encouraged to move on before too much damage can be done.

The Entire Issue Explained – In A Pair of Shoelaces

Some time ago a friend gave me a simple analogy that puts this entire issue in perspective. The science may not win a Nobel Prize, but it gave me the necessary ah-ha moment.

The double helix of the DNA strand – our most basic foundation for life – is held together at each end by things that act in the same way as the hard plastic bits on the end of shoelaces do – preventing the DNA from unraveling, and the individual chromosomes scattering across the floor like dropping a string of pearls down a marble staircase. These things are called telomeres.

Somewhere programmed into these tiny telomeres is the entire basis to how long the DNA stays intact – and by inference these are the keys to the length of life of the organism. Somewhere written into the telomere is a great musical score but like all musical scores it has a double bar somewhere to signify the end; but is it to be a minuet or a Wagnerian epic? But sure enough, when the time comes, and the telomeres blow the full time whistle, the DNA strand will unravel and die – and the circle of life begins again. Telomeres govern how often our skin cells are replaced; why a puppy and a child born on the same date may age exactly the same chronologically, but the puppy has become a geriatric before the child reaches puberty.

Telomeres, my friend explained, occasionally go on the fritz (that must have a very specific scientific meaning). One of the ways this occurs is they may forget their programming to release and unravel, and they just hang on, allowing the cells thus affected to multiply again and again without dying. In fact, when this occurs often they become very difficult to kill and to all intents and purposes once the telomeres act in this way, the cell – and those it propagates – are effectively immortal.

This condition has a name which we all know. Cancer.

But, what if we were able in some way to persuade the telomeres within a cancer to behave normally – would that not be the “magic bullet” cure for cancer? And the other side to that equation – if the telomeres in healthy cells could be persuaded to act as they do in a cancer – then is this the recipe for a healthy cell that does not die? Does the cure for cancer and immortality hang on just this one thread?

Whatever your views may be, the reality is that some of the world’s finest research scientists are working on that exact question and some would say it is only a matter of a decade or two before this is neither conjecture nor science fiction, but a reality to face up to. The changes that would take place in society even if life expectancy were to take a leap forward by say 10 or 20 years are enormous, but we should all be thinking that this is a distinct possibility.

From the dab of lanoline a generation ago to what I know hold in my hand as an anti aging skincare treatment is more than just a revolution – and I have no doubt in a few years I will be saying this cream will not just slow the aging process and reduce the visible signs of aging, making your face appear younger – but it will actually be younger.

But before that, let’s look back at how this whole engagement with life extension and anti-aging started. Mankind has always striven for longevity and mused about immortality – but the past 50 years has seen some dramatic steps in reality toward this goal.

Genesis

The thought of extending life has been on the mind of mankind for millennia. References to the search for ways to prolong life can be found as far back as the Epic of Gilgamesh.

Gilgamesh was reputedly the fifth king of the kingdom of Uruk, the modern-day Iraq, around 2500 BC. According to the Sumerian list of kings, he reigned for 126 years. The Torah or Old Testament records Methuselah as living over 900 years, with life spans measured in centuries apparently commonplace before the time of Noah.

Throughout the development of scientific thought from the Reformation onwards, scholars have applied themselves to solving this riddle and these endeavors continue today at the very leading edge of scientific progress.

Unraveling Secrets

As the secrets of our existence are unraveled in ever more minute detail, we are beginning to understand what it is that makes us grow from tiny babies into adults. We now know, for example, that cell functions slow down as the body ages and that production of certain substances required by the body to regenerate decrease or cease completely.

Skin, for instance, needs two substances to retain strength and firmness.
The production of these substances namely collagen (strength, tightness) and elastin (flexibility) decreases with age. The decreases in production together with other factors that include the threat of free radicals make the skin age and become wrinkly. Free radicals are essentially incomplete oxygen molecules causing destructive chain reactions within cells.

The same kind of thing happens in every cell, every tissue and organ around the human body. For example, people develop frown lines, crow’s feet and wrinkles. Nutrients are no longer absorbed easily and vital cell functions, hormones and other substances are produced at decreased rates resulting in the body aging.

A Brief History of the Life Extension Movement

Science has been looking for ways to slow down this process for centuries. The forming of life extension movements, however, did not really begin until around 1970.

➢ In this year, Denham Harman, the originator of the so-called ‘free radical theory of aging’, decided that an organization dedicated to the research and information sharing between scientists working in biogerontology (the field of science concerned with the biological aspects involved in the aging process) was needed. As a result, the American Aging Association was formed.

➢ In 1976, two futurists, Philip Gordon and Joel Kurtzman wrote a book on the research into extending the human lifespan. This popular volume was titled ‘No More Dying. The Conquest Of Aging And The Extension Of Human Life’.

➢ Kurtzman was then invited to speak at Florida’s House Select Committee (HSC) of Aging, which was chaired by Claude Pepper, an American politician and spokesman for the elderly. The aim of this talk was to discuss the impact on Social Security by life extension.

➢ In 1980, Saul Kent, a prominent activist in the field of life extension, published the book ‘The Life Extension Revolution’ and founded the nutraceutical (from ‘nutrition’ and ‘pharmaceutical’, in other words, a nutrition supplement) firm known as ‘The Life Extension Foundation’.

This foundation is a non-profit making organization promoting dietary supplements and publishing the periodical ‘Life Extension Magazine’. Kent was later involved in work relating to cryogenics. He was jailed in the course of this work over a dispute at one point, although charges were dropped at a later stage.

➢ In 1982, American health writer and life extension advocate Sandy Shaw and her co-writer, Durk Pearson, popularized the term ‘life extension’ even further with the bestseller ‘Life Extension: A Practical Scientific Approach’.

➢ Roy Walford, a gerontologist and life-extensionist, published ‘Maximum Lifespan’, another popular book on the subject. He and Richard Weindruch, his student, followed this up in 1988 with their summary on the research they had conducted into the ability to prolong the life of rodents through calorie restriction. The title of this book is ‘The Retardation of Aging and Disease by Dietary Restriction’.

Although this ability to extend life with calorie restriction had been known since the 1930’s, when gerontologist, biochemist and nutritionist Clive McCay did some research into the subject, it was the work of Walford and Weinbruch that gave solid scientific grounding to the McCay’s findings.

Walford’s scientific work was driven by a personal interest in life extension. He practiced calorie restriction as part of his own life and eventually died at the age of 80. The cause of his death was amyotrophic lateral sclerosis, a progressive motor neuron disease.

➢ A4M, the ‘American Academy of Anti-Aging Medicine’ was founded in 1992 to create a medical specialty for anti aging that was distinctly separate from geriatrics. This allowed scientists and physicians interested in this particular field of science to hold conferences and discuss the latest developments.

➢ The sci.life-extension, a Usenet group, was created by California-born author, philosopher and translator Brian M. Delaney. This represented an important development within the movement of life extension. It made it possible, for example, for the CR (Calorie Restriction) Society to be created.

➢ A more recent development is the proposal of Dr A. de Grey, a biogerontologist at Cambridge University. This proposal suggested that damage to cells, macromolecules, organs and tissues can be repaired with the help of advanced biotechnology. This is evident in hair restoration products, for instance.

More than Books

Although it would appear that most of the work revolving around life extension has been done solely by writing books or founding societies or organizations of some kind or another, the reality is that these books were written in response to or based on very specific, detailed scientific research that have yielded positive results.

They are no longer the works of hopeful minds, but the works of dedicated scientists who have spent their lives working on discovering facts about aging and trying to find ways to slow down, or even reverse the process.

Many breakthroughs have been made, and in many ways, we are already able to extend lives to a certain extent. The average lifespan of a human being is already far greater than it used to be as a result of medical, pharmaceutical and nutritional advances brought about by research and development.

The work continues, and scientists around the world are continually conducting research, comparing results, discussing options and making advances on our behalf.

Driving Forces behind the Development of the Life Extension Movement

What factors are driving this movement into ever greater efforts to find solutions to the extension of Life? The answer to this question actually includes a whole range of factors.

Expectations Have Risen

As the ‘baby boomer’ generation (born between 1946-1964) enters retirement age, expectations of this group are dramatically different from those of the preceding generations. They have greater expectations and desires to enjoy their life as pensioners to the fullest and for as long as is possible. This expectation covers not only length of life, but quality of life as well and this is not a passive request but an active and strident demand in many cases.

Pharmacology

Progress in pharmacology has led to a wide selection of drugs that allow people to live longer and fuller lives being developed over the last two decades or so. The work is still very much in progress and many more drugs are being developed daily.

One of the classic examples of a drug raising the quality of life for older individuals are erectile dysfunction treatments – notably Viagra, Cialis and Levitra. These drugs have dramatically reduced the number of fatalities or serious injury resulting from elderly men rolling out of bed, as well as a number of more qualitative benefits.

Advances in Genetics

Some of the latest scientific research and subsequent advances made in biotechnology and genetics are providing some hope that it may be possible to hold back some of the fundamental causes of aging.

As we outlined previously, chromosomes containing DNA strings are essentially capped with a binding substance known as telomeres. In effect, the telomeres are consumed during cell division and over time, they become shorter and shorter.

This was first observed by a scientist called Leonard Hayflick, and the process of limited cell division was subsequently named the Hayflick Limit. Advocates of life extension work on the thought that lengthening the telomeres through drugs or gene therapy may ultimately extend the Hayflick Limit and thereby fool the cells, and as such the body, into ‘thinking’ it is younger than it actually is.

Developments in Precision Manufacture

Advances made in the fields of nanotechnology, miniaturization, computer chips and robotics also provide hope for potentially life extending solutions.

In the 1970’s, a popular TV series starred Lee Majors as the ‘Six Million Dollar Man’? Science fiction then. Today, it is science fact. Millions of people now walk through life with artificial ankle, knee and hip joints and healthy feet. A generation ago, mass production of this kind of technology was a distant dream.

The same applies to many individuals with artificial limbs. Artificial legs used to be crude wooden contraptions that were just able to keep a person balanced. Today’s artificial limbs are almost fully functional.

The Blessings of Medical Progress

Who would have thought even 50 years ago that it would become possible to bypass a coronary artery, or even replace a heart completely? Yet there are hundreds of thousands, if not millions of individuals enjoying their lives after having this kind of surgery – few of whom would be alive just half a century ago.

Millions of people no longer have to wear glasses, because of the availability of laser surgery. This, too, was science fiction just a few years ago. Today, it is advertised next to shampoo in magazines and on TV.

In other words, science is moving rapidly towards not only extending life, but making the quality of these extra years better as well.

Is it Science, Science Fiction or Lunacy?

What should the average person believe? This question is almost as difficult to answer as finding solutions to extended life. Even among scientists, opinions are divided. Some do believe that extending the quality of life is as possible as extending life in general.

Others brush off the thought as un-scientific nonsense. This is often simply based on the fear of anything ‘new’ disturbing the status quo of established limits. Fortunately, real scientists do keep on looking, because if every single scientist had decided that some of the advancements already in medical, pharmaceutical and technological fields could not be possible, we would all still be dying at 30.

So where does that leave us?

There is no doubt what-so-ever that there are many charlatans out there trying to make a quick buck out of people’s desire to retain their youth. Even today, many products being sold in their millions are essentially non-effective – often given fantastic names and have the most bewildering ingredients to make them look scientific to consumers and justify their cost.

But the facts are while many advancements are being made and research points to the possibility of eventually finding the key to maintaining youth for longer, the scientific community is still warning the public that many of the products being sold today are unreliable to say the least.

➢ Although food supplements may assist in keeping a body healthier – something that can often be achieved by simply adopting a healthier life style and diet – there is as yet no categorical and undeniable proof that they slow down aging as such.

➢ The same goes for many hormone treatments. Although they may have a short term effect of some kind, it is not yet scientifically proven that they will actually work in the long run. The fear that it may not work is based on the fact that taking hormones, a good example is the hormonal acne treatment, will ultimately actually slow down the body’s own production of these hormones.

In addition, many treatments may have potential (and yet unknown) side effects in the long run that could be harmful to the user’s health. This includes the fears that such hormone treatments could increase the risk of cancer, diabetes and other major illnesses.

➢ Other ideas, like the calorie restriction method, are working for rodents. In fact, studies conducted with rats on 30 to 50 per cent restricted diets have shown to almost double the life span of rats.

Similar studies conducted on primates have also shown tendency to extend life to a certain extent and prevent a list of age related illnesses. There are as yet no studies on humans, although some are actually living on calorie restricted diets. Whether this will prolong their lives, however, is a question of having to wait and see.

The theory is that by reducing calorie intake, the metabolism of the body is slowed down, thereby slowing the aging process as well. Nutritionists say there is a certain amount of calories a body of a certain size and weight needs to have to maintain health. Reducing this amount by up to 50 per cent is hardly a good idea in the long term.

Time will tell, as they say, but how will anyone be able to tell the difference? If a person lives to the age of 80, is this because they are on this diet or would they have lived to this age anyway?

Where Will This Lead?

Many believe there is realistic hope and expectation of making significant strides in the area of longevity within the next two decades. This group typically believes the answer will ultimately lie within genetics and biotechnology. It is too early to make definite predictions, but the research so far shows promise and, as mentioned earlier, some of the results of this research are already being used in certain treatments to improve patients’ lives.

At present, overall aging is difficult to slow down, to say the least. Some products indicate they will assist in maintaining overall health/longevity, but the area we are seeing the first commercial products being developed is in the area of skin care and given the size of this market, it is likely that this will continue to be the weather-vane of longevity treatments.

Science or Snake Oil?

It will be difficult to tell these two apart for many years. Charlatans are likely to about, because it is difficult to disprove many theories easily. Equally difficult will be positive proof from those with an ethical perspective on the trail of a real breakthrough, as products based on valid research and using technology or ingredients that will actually have an effect rarely promise overnight results. This is something that anyone looking to find improved youthful looks, etc, will have to bear in mind. None of these products can perform miracles. Even the best of them will take time and regular use in order to achieve the desired effect.

The bottom line is that where we stand now, we can be sure there are some things which are ineffective or even harmful; there are some that show some promise and there are some that are starting to cross the line of being able to demonstrate results – albeit modestly at this point.

In the meantime, it is wise to research products very carefully and to refuse to be baffled by weird and wonderful sounding ingredients or fantastic sounding promises of instant youth. Regeneration will take time – let’s face it, it has taken a lifetime to get to this point, turning back the clock can never be possible over night.

Skin Care and the Life Extension Movement

One may well ask just what all this, and in particular the life extension movement as such, could possibly have to do with skin care, health and beauty products. The fact is, much of the research into life extension is resulting in new approaches to skin care as a kind of by-product.

A greater understanding of how genetics and cellular processes affect the aging and condition of skin allows these research and development teams to investigate different compounds, their compatibility with human cells and genetic make up.

Many compounds found in nature are not just compatible to human skin but in fact the skin cells actually have natural receptors for these compounds. Because life extension research has discovered these receptors, skin care developers can now use this knowledge and create the formulae for their products to provide maximum effect.

Another skin care ‘by-product’ of life extension research is the use of nanotechnology. The use of nanotechnology, or, to be more precise, nanoparticles, has had a huge impact on the way nutrients and other components of skin care products are being delivered to the skin cells. In some ways, nanotechnology has already revolutionized skin care. It is now possible to use active ingredients previously difficult to effectively deliver to the skin, as well as making old, proven ingredients even more effective. Some ingredients used in cosmetics for hundreds, if not thousands of years by certain cultures can now be even more effectively used to improve skin condition and maintain a healthy, youthful look.

Even the moisturizing effect of skin care products can be improved with nantechnology. For this effect, so-called nanosomes are used. Nanosomes are small, pocket-like particles that melt or disintegrate on skin contact. By doing this, the moisturising effect is accelerated, assisting the skin faster and more efficiently.

Nanotechnology plays a key part not only in slowing the aging of skin, but is believed to actively assist in repairing and healing skin cells and tissue.

Another breakthrough in life extension research that is beginning to make itself felt in skin care products is the research into stem cells. Stem cells are elements of all life, plant, animal and human. Stem cells have two properties other cells do not have. These properties are the ability to develop into any kind of cell type and the ability to divide almost indefinitely. The use of plant stem cell extracts in skin care is likely to become one of the next ‘big things’ in the industry. And prepare for the debate when human stem cells are proposed as part of an anti-aging skincare regime, as will inevitably occur!

One thing we can be certain of, is that science will continue to search for answers to the question of life extension, and business will drive the commercialization of discoveries. But whether these lead us to a utopian future or potentially a minefield of strife as we debate who will use and who will benefit from these new godlike powers. In the meantime, at a practical level in the skincare, health and beauty industry we remain hopeful and expectant we will see the emergence of products that not only promise results, but produce them.

David Christensen is a veteran of Asia Pacific business, currently residing in Bangkok, Thailand and heading up the business he was a co-founder of, Royal Siam Natural Health & Beauty – who can be located at [http://www.royalsiam.asia], and the information supporting site at [http://www.royalsiam.info]. Royal Siam was established after careful planning in early 2011, spending 2011 concentrating on building the necessary business infrastructure and concentrating on the domestic Thai market. Early in 2012 Royal Siam launched its international website and online store, and in April 2012 publicly declared the ambition to be among the world’s top 20 premium health and beauty brands by the year 2020. Royal Siam is a unique business, operating in the premium skincare, anti aging, and related fields. At its core, one mission is to commercialize and bring to a global market the immense wealth of knowledge about the healing and beneficial properties of Thai and South East Asian plants – a knowledge base carefully built up over the last thousand years. At the same time, the mission is to bring to market the very latest in scientific advances in the area of anti aging… resulting in the unique position of having a Thai heritage and offering the best of nature, tradition, and science.

Article Source: http://EzineArticles.com/expert/David_D_Christensen/1317312

How Old Are You Really? Biological Age

May 29, 2016 by · Comments Off on How Old Are You Really? Biological Age
Filed under: General 

People have always been interested in being “forever young” and today’s society is no different. We want to resist the ageing process.

The speed at which we are ageing can be measured – its called biological age, or how old your body really is.

The area of study which is now called longevity, and was once called anti aging, is hugely popular in the states.

It’s something I’m very interested in, and see it as a big part of the future for myself and my clients.

Your chronological age is how old you actually are.

Biological age is the age of your body at the cellular level.

Today we will look into how you can establish, what your biological age is and how you can improve it.

There are a few longevity factors in the list which surprised me!

(Deep question alert!)

What is the purpose of life? I don’t mean any deep seated stuff, like procreation.

I just mean, what is most people’s AIM in life. What do they want to get out of their time on earth?

Firstly and most importantly, people want to be happy. Easier said than done.

Happiness is a state of mind. It’s a feeling.

Ask someone with a big goal (like building a successful business or losing more than three stone).

“What will reaching your goal do for you?”

Often they will say something like “When I get there I will feel happy”, or “satisfied with myself”, or they say “I will feel proud”.

“I will have more energy”.

“I won’t be afraid of trying new clothes on or going out with friends”.

“I don’t want to feel like a slave to food”

“I don’t want to be scared to look in the mirror or get on the scales”.

Life is all about feelings.

People spend their entire lives in search of feelings! (mostly happiness, contentment, satisfaction and love)

How people actually reach this state of “happiness” is different for us all.

Most people I know AIM for a decent job (or business) with decent money.

All with the ultimate goal of having a good retirement.

I hear people say “When I finish work, I’m going to do this or I’m going to… (insert goal)”.

The point here being, if being happy and having a nice retirement is people’s main goal in life, then keeping your body fit and healthy surely must be part of your plan.

I know of a very wealthy man who got cancer and passed away just before his retirement, I’m sure that was not part of the master plan, he had built his business up so he could sell it and have a nice retirement (as most business people do).

He didn’t make it and didn’t get to “cash out”.

Many people don’t make it to retirement because their “plan” is messed up from the start.

Without sounding depressing we only get one shot remember.

This is NOT a rehearsal.

A lot of people get to retirement age and their body is wrecked!

This stops them from being able to enjoy their time off as much. Living life with lots of restrictions. “I can’t go there because of the steep hill”, or “I can’t do that because of my back or my knees”.

After working hard for 40-50 years – to give yourself a good pension and retirement, this is the last thing that anyone wants.

Peoples bodies are like cars.

On one hand you have new cars with high mileage that are not well serviced.

On the other hand you have old cars with low mileage that have been well looked after.

I want YOU to be like a well looked after old car, with low mileage when you get to your retirement.

I know some people, that slog away and get to the age of 40, and feel and look like they’re 50 or 60!

I also know many people who hit retirement age and feel like a 40 year old, and can keep on working and exercising for another 20 years!

This is all dependent on how we live our lives, obviously there are things such as injuries, diseases and other bad things which can impact our lives negatively through no fault of our own but on the whole we are in control of our own health.

What affects our longevity?

Scientists agree that these factors all affect your longevity in some way, big or small. (this is not a definitive list)

Muscle size and strength
Level of education
How pro active you are with going to see the doctor if needed
The amount of friends you can rely on, and love in your life
Your diet
Blood pressure
Your upper body strength
If you enjoy your work or not
Weather you smoke/drink alcohol or not, and the amount
If you exercise or not

Most of us shorten our lives and ultimately kill ourselves, through our bad habits and lifestyle choices, whatever they may be.

As you would of guessed, it is possible to slow down the onset of ageing and even reverse it to some extent.

I must say, that there is nothing wrong with ageing, it is inevitable. It is something we should be proud of, a chance to show our wisdom to the younger generation.

This article is just to show you how you can SLOW the ageing process with ease and actually enjoy it.

The Ageing Process

As we get older our bodies start to slow down and stop being able to function as well, sadly there is no getting away from this.

BUT through healthy living and making the right choices day in day out we can delay our body slowing down by years!

Just think how much more you will be able to enjoy your retirement if you feel like a 40 year old? and can spend it with the people you love.

Compare this to how much you will enjoy it if you can barely walk up a flight of stairs without having tired legs and being short of breath.

Your chronological age doesn’t have to be the same, or worse, than your physiological age.

How to slow the effects of ageing

The list above obviously helps you but here are a few more ideas for you to beat the clock.

When some people think anti aging, I’m sure some of you may think of things like anti wrinkle creams and lotions, hair dying products, botox and maybe even plastic surgery.

That does kind of sum up some of the western world that these are the steps that the majority of people (plastic surgery being an extreme example) will take to make them look younger, rather than eating healthily and exercising.

Aging leads to loss of muscle mass, loss of mental function, low mobility and a lack of energy, and as you know the cosmetic type anti aging steps I mentioned won’t help any of these.

Top tips to delay ageing naturally:

Enjoy the Outdoors – Don’t spend all of your time cooped up indoors behind the computer or watching TV. There are plenty of things to do and see outside, especially on a nice day I can’t think of anything better than going for a walk with the family down the park or beach. Sunlight also is a natural source of Vitamin D.

Yoga & Meditation – I would say that this is one of the most important strategies in staying young. I started to do this myself and it honestly makes me feel great. Yoga and meditation can help you relax and lower your stress levels (linked with aging) dramatically. It can also help you to see things a lot clearer.

Yoga is also great for your flexibility, the more flexible and supple you are the less chance you have in the future of suffering falls and lack of mobility.

Socialise – Loneliness can be a real killer. Socialise as much as possible with your friends and family. Get out there and do things, go to the cinema, concerts, attend an evening class (the more mentally stimulating the better).

Stay Strong & Active – You have to keep moving or your body will come to a standstill. Taking part in regular exercise is absolutely vital. Regular strength training is extremely important.

Losing muscle mass is something you want to avoid or at least delay for as long as possible so strength training will help this as well as keeping your bones strong, this will lower your chances of osteoporosis.

Nutrition

I believe food is medicine, many of the effects you get from modern day medicine you can get from eating the right foods.

Nutrition influences biochemistry. Biochemistry influences everything at a cellular level.

If you eat well there should be no need for some medications.

If you spend your whole life eating fresh, natural whole foods and stay active then it will also show. You will most likely be lean, mobile, disease free and full of energy, a rarity these days.

You should aim to eat a diet containing lots of quality fats and protein’s (the bodies building materials) which will help you to maintain your muscle stores. Also protein boosts the production of HGH in your body, HGH (Human growth Hormone) is your body’s natural ‘fountain of youth’.

As you age the production of this hormone slows down greatly, regular strength exercise (lifting, pushing and pulling heavy stuff) and quality protein keeps the production of this hormone going!

Eat plenty of antioxidant rich foods – Antioxidants which are found in colourful fruit and vegetables help to reduce the damage caused by free radicals in your system.

Free radicals can speed up the onset of ageing; they are unstable electrons (O1 molecules)which are produced during metabolism. They damage the cell nucleus and the mitochondria.

Free radicals bounce around inside your cells like a pin ball, causing damage every time they hit something. They cause absolute havoc.

Antioxidants provide the free radical with the extra O1 molecule they need to become stable O2 molecules.

Good quality natural foods are the best way to combat these harmful free radicals. Natural organic foods are packed with antioxidants which neutralise the free radicals before they cause too much damage.

Eat Omega 3s – They fight inflammation, improve the appearance of your skin and aid brain function. Three vital things that we need as we age. So make sure you get as many omega 3s into your system as you can, the best source is fresh fish, if not a fish oil supplement will do.

Lower Sugar Intake – Aim to cut out any excess sugar that you eat, excess sugars can modify essential proteins in our body which can lead to wrinkles and energy loss.

Look after your skin through good food and lots of water – Eating foods containing vitamin A (sweet potatoes, broccoli, spinach, asparagus and carrots), Vitamin C (red peppers, broccoli, cauliflower, strawberries, oranges, kiwi and pineapple) and Vitamin E (nuts, seeds and spinach) are a great way of helping your skin look healthy.

Stop smoking and limit alcohol intake – There are few things that age you faster than smoking and drinking alcohol every day so cut out smoking and do as much as you can to drink less.

Lower Stress Levels – This is another big one, I just mentioned that there are few things that age you faster than smoking and alcohol; well I think stress is one of them.

Being constantly stressed will ruin your mood, energy levels, social interaction as well as causing so many health problems.

As I mentioned above, I have found deep breathing techniques, yoga and meditation really important and a great way of combating stress.

Let’s be realistic the big medical and health companies aren’t going to promote anti aging through the things I just said, they are going to promote it through new miracle pills, lotions and creams, there is a lot of money to be made from it so they will keep on doing it.

The people who buy these products don’t have to alter their lifestyle one little bit so it suits them which is why it is so popular.

We ultimately reap our rewards in our retirement, if you have invested some time and effort into your “health & fitness account”, you will reap the rewards.

If you haven’t then you won’t!

You can actually measure your biological age online with a biological age calculator.

If all of the things I have mentioned above didn’t require effort or commitment then everyone would be running around into their 90s and later!!

But unfortunately we don’t, we die much younger than that.

Depending on what stats you use, in 2010, UK men were reported to live on average until about 77 or 78, and women on average live until 82 or 83 years old.

Do it naturally and do it right.

Let me know your thoughts on this topic, comment below, I really want to know what you think.

Thanks for reading, take care,

Richard

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Article Source: http://EzineArticles.com/7963927

Coalition to Protect Retirement Launches Campaign to Safeguard Retirement Savings Incentives

November 29, 2013 by · Leave a Comment
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Nearly 9 in 10 Americans Say Retirement Savings Accounts Should be “Off Limits” As a Source of New Tax Revenue – Part of National Campaign to Raise Awareness About Benefits of Tax Deferral

WASHINGTON, Nov. 7, 2013 /PRNewswire-USNewswire/ — Americans overwhelmingly – by a margin of 4 to 1 – oppose changing tax rules for retirement savings accounts, according to a new survey released today by the Coalition to Protect Retirement, a group of America’s leading supporters of retirement savings plans.

The research shows widespread support across political parties for maintaining the current tax treatment for retirement savings vehicles, such as 401(k) plans, 403(b) plans, and traditional IRAs.  According to the survey, which was conducted in mid-October, 87 percent of all Americans and 95 percent of those who have a tax-deferred 401(k)-like retirement plan accounts believe retirement savings should be “off limits” to Congress and not a source of new revenue for the government.

Today’s release of the survey coincides with the Coalition’s launch of a national education and advocacy campaign to preserve the current tax incentives for retirement savings.  The campaign will raise awareness about how current tax deferral rules are helping millions of Americans prepare for their own retirement, and will urge workers and their employers to tell Congress not to change or limit these incentives to save.  Visitors to the Coalition’s website www.HowAmericaSaves.com will be able to send letters to their elected officials and follow developments in Congress.

“Retirement savings incentives play an essential role in encouraging Americans to save and employers to sponsor retirement plans,” said Hank Jackson, President and CEO of the Society for Human Resource Management (SHRM) on behalf of the Coalition.  “This isn’t just smart tax policy – it’s proven good sense.”

Tax Incentives Help Americans Save for Retirement
The current tax incentives have succeeded in helping Americans save for retirement and have increased the number of workers who are covered by retirement plans.  According to the latest available data, more than 67 million people participate in private-sector defined contribution plans alone.  All told, Americans have $20.9 trillion in assets earmarked for retirement.

All Income Levels Benefit from Retirement Plan Tax Incentives
Individuals at all income levels have benefitted from these incentives, particularly middle-income earners.  More than 70 percent of American workers who earn between $30,000 and $50,000 a year contribute to a retirement savings plan when one is offered at work.

“Given the vast numbers of baby boomers who reach retirement age every day, retirement savings incentives are needed more than ever,” said Kenneth E. Bentsen, Jr., President of the Securities Industry and Financial Markets Association (SIFMA).  “They are doing what they were intended to do – helping people who need them most to take responsibility for their own retirement security.”

The Coalition noted the important role employers play in helping workers prepare for retirement.  Between 2000 and 2009, employers contributed almost $3.5 trillion to public and private retirement plans.  Changes to current incentives could adversely affect employer-sponsored plans, contributions, and the retirement security of millions of Americans.

“Raising new revenue should not come at the expense of Americans’ retirement savings, not now or in the future,” said Brian Graff, CEO and Executive Director of the American Society of Pension Professionals & Actuaries (ASPPA).  “If Congress reduces the benefits of offering and contributing to retirement savings, fewer people will save.  The result: more of tomorrow’s retirees will need to turn to the government for help, and that will mean more federal spending.”

Media Availability
Representatives of the Coalition to Protect Retirement and of Juncture Strategies/ORC International will be available to answer questions and discuss the national survey on Thursday, November 7 from 1:30 – 2:00 p.m. Eastern Time. 
Call-in number:  1-800-745-6370        Passcode:  5356061

About the Coalition to Protect Retirement
The Coalition to Protect Retirement believes that Congress should encourage retirement savings for American workers through the preservation of current tax incentives.  The Coalition is composed of the following associations:  American Benefits Council, American Council of Life Insurers, American Society of Pension Professionals and Actuaries, The ERISA Industry Committee, ESOP Association, Insured Retirement Institute, Investment Company Institute, Plan Sponsor Council of America, Securities Industry and Financial Markets Association, and the Society for Human Resource Management.

The Coalition’s website www.HowAmericaSaves.com was created to raise awareness among workers, employers, policymakers, and the public about the important role that tax deferral plays in helping people plan for their own retirement security.  The site provides tools for individuals and organizations to make their views known to elected officials and to stay informed about proposals being debated in Congress.  To learn more, visit:  www.HowAmericaSaves.com.

About the Survey
Juncture Strategies/ORC International conducted a national on-line survey of 1,011 adults, 18 years of age or older, during October 14–16, 2013.  A summary of the survey results is available at: http://bit.ly/retresearch.

Contact: Bill Maroni BMaroni@howamericasaves.com / 301 802-3375

Starting a Home Based Business – Senior Citizens Require Supplemental Income by Jed Tooke

September 6, 2013 by · Leave a Comment
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Expert Author Jed Tooke

The need to have extra earnings is felt more when one retires. It is for this reason that many people become interested in the idea of starting a home based business to increase their income. It is seen that generally younger people are preferred for work over older workers because of the mistaken belief that senior citizens will not be able to perform the work effectively.

Because of an economic downturn, many corporations are forcing employees to retire or they are being laid off, even before they attain retirement age. Now, there is an option in the form of a home business venture for these senior citizens.

One of the best choices available for those who have retired is starting a home business on the Internet. This option will provide these senior citizen retirees an opportunity to make much needed extra income.

This article will guide those who are exploring avenues to earn extra money to supplement their pension.

Learn basic computer skills:

One of the most basic requirements to start your home venture is to have a high-tech computer along with dependable Internet connection. After this, you need to train yourself in basic computer skills.

If you are not able to acquire the computer expertise, you need not dampen your spirits because there are plenty of free computer tutorial websites on the Internet. You can receive excellent guidance from any of these sites and train yourself rather well. Let learning be the ongoing process. Ensure that you keep yourself abreast of the latest developments.

There are lots of changes taking place on the Internet and Information Technology. A sound knowledge of operating your computer will be a big advantage when starting a home business.

Accepting the challenge:

You need to ask yourself if you will be able to take care of your business venture efficiently. Do you have it in you to own and operate your enterprise successfully? You should understand that you will be required to put in a lot of hard work. Also, you should have the patience of a saint. The strength of mind, enthusiasm and discipline will be the added advantage.

Perform diligent research on the Internet. You will find that there are lots of network marketing companies. Find yourself one such company with a good track record and you may consider accepting their offer of a home business opportunity.

Benefits galore:

There are several benefits for setting up a home venture. You can claim tax benefits extended by the IRS to entrepreneurs and all legitimate businesses. Similarly, you can claim deductions for making payments for rent or mortgage and utility bills. It is possible to get a healthy reimbursement for buying computers and other equipment for your home office.

One of the best benefits for running a business venture from home is that you are your own boss and decide your own paycheck. Your home venture gives you the opportunity to remain close to your family while you are working from the comfort of your home.

However, it will be in your best interest to check out everything thoroughly about a company before starting a home based business.

Learn the real truth about starting a home based business [http://homebasedbusinessteam.com/03/starting-a-home-based-business-3/] working with a team. Discover how working with a team in building your own business that yields residual income leading to independence and financial freedom.

Article Source: http://EzineArticles.com/?expert=Jed_Tooke

Senior Citizen Information – The Social Security Funding Problem by Glen Jensen

September 2, 2013 by · Leave a Comment
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The Baby Boomer generation will begin taking early retirement in 2008. In 2011 they will approach the traditional retirement age of 65. As more and more Baby Boomers retire they will put a tremendous strain on the Social Security system. So far, no significant changes have been implemented to lessen the impact Baby Boomers will have on the Social Security system. The longer any action is delayed the more drastic the changes will be. Will these changes affect you? If you were born between 1946 and 1964, then you are officially a Baby Boomer and will probably be impacted by the Social Security funding problem.

The current and projected future financial status of the Governments’ trust funds is presented in the “The 2007 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds (OASDI).” The good news is that the Social Security Administration (SSA) states that there are no plans to reduce benefits for current retirees. In fact, benefits for current retirees are scheduled to continue growing with inflation. However, the 2007 OASDI Trustees Report also states, “Social Security’s combined trust funds are projected to allow full payment of scheduled benefits until they become exhausted in 2041. This means that unless changes are made soon, benefits for all retirees could be cut by 26 percent in 2040 and continue to be reduced every year thereafter. If you are “younger” senior citizen or a want to-be senior citizen, this is not good news

The Trustees of Social Security, the Comptroller General of the United States and the Chairman of the Federal Reserve Board have said, the sooner we address the problem, the smaller and less abrupt the changes will be. The independent, bipartisan Social Security Advisory Board has also said: “As time goes by, the size of the Social Security problem grows, and the choices available to fix it become more limited.” Addressing the problem now will allow today’s younger workers planning for their retirement to have a better assurance of the future of Social Security. The problem has not been addressed as of 2007.

If Social Security is not changed we have a limited number of options in the future. The options are to increase payroll taxes, reduce the benefits of today’s younger workers or borrow from the general fund. Social Security’s Trustees state, “If no action were taken until the combined trust funds become exhausted in 2040, much larger changes would be required. For example, payroll taxes could be raised to finance scheduled benefits fully in every year starting in 2040. In this case, the payroll tax would be increased to 16.65 percent at the point of trust fund exhaustion in 2040 and continue rising to 17.78 percent in 2080. Similarly, benefits could be reduced to the level that is payable with scheduled tax rates in every year beginning in 2040. Under this scenario, benefits would be reduced 26 percent at the point of trust fund exhaustion in 2040, with reductions reaching 30 percent in 2080.”

Social Security was never meant to be the sole source of income in retirement and that especially applies to the Baby Boomer generation. It is often said that a comfortable retirement is based on a “three-legged stool” of Social Security, pensions and savings. American workers should be saving for their retirement on a personal basis and through employer-sponsored or other retirement plans. If a Baby Boomer is not preparing for retirement with a pension and/or savings to supplement their Social Security benefits, they will have to delay retirement or continue working part-time.

Glen Jensen is a writer for [http://www.SeniorCitizenDirectory.com] which is a site that provides Senior Citizen Information.

Article Source: http://EzineArticles.com/?expert=Glen_Jensen

Senior Citizen Cruise Ship Vacations – You’re Never Too Old by Tim Roseland

August 16, 2013 by · Leave a Comment
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As the members of the Baby Boomer generation have begun to reach retirement age, they have completely turned the traditional idea of the “sunset years” on its ear. The senior citizen of today is nowhere near ready to slow down, and has more opportunities than ever before to continue enjoying life to the full.

If you’re a senior citizen who’s been exploring life’s possibilities, you’ve undoubtedly thought about traveling. Finding vacation packages geared for seniors is easier than you can imagine, whether they be guided tours, travels with a church or other social group, or simply flying solo. But one sometimes overlooked senior travel possibility is the cruise ship vacation.

The cruise vacation industry has grown exponentially over the past ten years, and most cruise lines operate several different ships in a variety of classes. They have made their ships to accommodate, and fill their cruises with so many activities that you’re sure to find the one which is perfect for you.

Here’s a list of just some typical daily activities aboard one of the leading cruise lines:

– Low-impact aerobics
– Sunrise stretch class
– Walkathon
– Napkin folding
– Shopping and island information talks
– Party Bridge
– Golf putting tournament
– Art auction
– Cash prize Bingo
– Island music poolside
– Slots tournament
– Perfume seminar
– Jewelry and Cash Bingo
– Aquadynamics
– Blackjack tournament
– Piano music
– Movie
– Cocktail music
– Karaoke
– Piano bar entertainment
– Dance music
– 50s and 60s Trivia

This list, however, doesn’t include anything about the shipboard stage entertainment, the offshore excursions, or dining. Nor does sit mention the ship’s library, pool tables, onboard shops, and private deck areas along the ship’s stern where you can simply stretch out on a lounge chair and watch the clouds and ocean drift by.

Most cruises will offer lectures and seminars on everything from the culture of your next port-of-call to the wines being offered with the evenings’ entrees. If you love the food, you may be lucky enough to sit in on a cooking lesson with the ship’s chef (or even a visiting celebrity chef!) One cruise line will even let you earn SCUBA certification before you reach the next great coral reef.

The stage show offered of today’s cruise ships are every bit the equal of what you can expect to see in Las Vegas, complete with pyrotechnics, laser lighting, and huge casts of dancers and singers. Royal Caribbean has three ships with ice skating rinks, and even if you think your skating days are behind you, you can still enjoy their version of the Ice Capades! Vaudeville is alive and well on cruise ships, when you’re in the mood for sheer silliness.

Most cruise ships have cocktail mixers at which you can mingle with your shipmates, and most of them also have dance floors where you can strut your stuff. The casinos and Bingo parlors are great for fun on the days you’re at sea, but the ports-of-call you’ll visit are really the highlights of your cruise. Pulling into a tropical bay with balmy breezes and 75° temperatures when the folks back home are bundled up against the snow, and strolling along a deserted beach or playing a round of golf on one of the world’s elite courses are just some of the unforgettable experiences you’ll enjoy on your cruise.

You’ll never have a safer vacation environment than that of a cruise ship. Regardless of whether you’ll be traveling solo or with family or friends, you can relax completely and let yourself be pampered just as you’ve always dreamed. The only thing you won’t like about your senior cruise ship vacation is that you waited so long to take it!

myroadtotravel was created in late 2007 as way for my wife and I to do what we love most…Travel. We love to share our experiences with others and have recently created our first blog [http://www.myroadtotravelblog.com] to help us do just that. Through this blog, we offer travel tips, our own personal experiences/adventures and photos from our vacations. Please stop by and give us your feedback and remember, for all your travel booking needs please visit us athttp://www.myroadtotravel.com

Article Source: http://EzineArticles.com/?expert=Tim_Roseland

Senior Citizen Assisted Living Can Help Baby Boomers Keep Their Independence by Susan Elizabeth

August 2, 2013 by · Leave a Comment
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Elderly-Couple-Walks-Retirement

Reaching your golden years is a great accomplishment. It is in fact one of the best things about living in the times that we do. There are so many opportunities and activities available now that did not exist previously, that it is almost impossible to take advantage of them all.

Senior citizen assisted living is one of those ideas that has come of age in a time when there are more people than ever who are retiring. The baby boomer group is the largest demographic group on the planet and many of them are reaching retirement age right now.

This has created a need for all manners of senior retirement arrangements that range all the way from complete and total care, kind of like the nursing homes used to be, through senior assisted living facilities which help seniors maintain all the independence they can for as long as is possible, to active adult retirement communities where often the primary focus is one golf or some other sport.

This range of choices is absolutely unprecedented in our society. Not only that, but with the touch of a few buttons on the computer keyboard, the internet springs to life and brings you tons of information about all these various living arrangements so you can decide exactly what kind of facility you need.

Assisted living facilities do a great job of tailoring specific service plans for their residents. This means that each person gets the care they need on an individual planned out basis. The goal is to not change the senior person’s lifetime of habits or lifestyle but still make it possible for them to receive the care they need to live a great and fulfilling life.

There are many of these facilities in many locations and each of them is a little different in what they have to offer their residents. The types and levels of services offered can be quite different one state to another, and because the industry is overseen more by the individual states rather than the federal government, it is important to make sure that the kind of care you need is available in an assisted living facility in the state that you are thinking of living in.

It is not that any of the care is worse in some states than in others, it’s just that the laws and regulations are a bit different. But as fare as getting the help you might need when you are living in a senior citizen assisted living community, all of them deliver exactly what you need. And not more than you need.

The goal is always is keep the most amount of independence possible and in the retirement community world, the assisted living facilities do the best job overall of juggling between providing care and maintaining independence.

Susan is a full fledged baby boomer and avid internet researcher who writes about active retirement communities and other baby boomer topics on her site at www.second50years.com.

Article Source: http://EzineArticles.com/?expert=Susan_Elizabeth

How to Organize an Outdoor Event for Senior Citizens by Salma Owais

July 9, 2013 by · Leave a Comment
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 Planning an event for senior citizens can be tricky especially if you do not belong to their age group. But if you are close to your parents, grand parents or uncles and aunts you can find different ways to make arrangements for such an event. Usually people become more emotional and touchy when they reach their retirement age and require extra attention. So if you are given the task of arranging an event for them you should know a few things about people of that age group before arranging the event. So before arranging any event like a reunion, a retirement party or even golden jubilee anniversary of a couple note down a few things and make the arrangements accordingly.

  • Search for good and well reputed event Rental Company so you can get good quality equipment for the event. You can find plenty of them on the internet. It would be better if you select the service near you.
  • Having a theme for a party can make it more attractive and interesting, but it is very obvious that you do not need to have a very adventurous and different theme. You need to create a decent and sophisticated ambiance for the gathering but it should not be too dull and boring. So go for a suitable theme. For example you can pick a theme of an old Hollywood movie of their era.
  • Although senior citizens are usually not very busy and have plenty of free time but it would still be better to arrange their event during the day so they can wind up early and go home to rest.
  • Venue should be nearby so they can reach the place easily in time.
  • Your event rental company may have stylish and well designed furniture but for senior citizens comfort comes first. Make sure that the sofas and chairs are comfortable enough for them.
  • There should be an adequate number of tables available with their seats so the guests do not have to look for a place put their belongings like purses, hats etc.
  • Keep the age group in mind before selecting the menu. Most seniors are not permitted to have rich or spicy food, so select food for them accordingly.
  • While serving alcohol keep an eye on the guests and make sure nobody gets more alcohol than they should.
  • Games can make any party more enjoyable; you can arrange bingo for the guests. ‘Play name that tune’ would also be a good option for them. You can play the music of an old song from their teenage era and let them guess the song. This will take them back to their days of youth.
  • Always keep medical help readily available when you arrange such an event, because excitement can sometimes cause medical emergencies in seniors.

 

For more information on Event rental culver-city visit hollywoodeventrentals.com

Article Source: http://EzineArticles.com/?expert=Salma_Owais

 

Senior Citizens and Pets by Kay Catlett

April 29, 2013 by · Leave a Comment
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As baby-boomer pet parents reach retirement age it is common to think about  putting aside the dog collars, pet clothing and dog harnesses and retire from  being pet parents. This is especially common as a beloved pet may die. The usual  questions of a grieving pet owner are magnified by older pet owners. The only  real questions with younger owners concerns whether or not they miss the joy of  pet ownership and whether they still possess the desire to take on the  responsibility of another pet. As the pet parent ages, more questions have to be  asked. The age and health of the human along with whether or not the needs of  particular pets can be managed are the most important questions for aging pet  parents.

The primary question concerns whether or not a pet is beneficial for aging  people.

Many seniors crave and miss nurturing. Often, a lifetime of nurturing has  defined a person, first as a parent, friend, spouse or grandparent. With  children and grandchildren growing older, nurturing may no longer required on a  personal basis. Senior citizens may find the circle of friends narrowing as  interests change, people retire and move, and activities lessen. Having a pet to  nurture, and providing that pet with food, comfort, exercise, toys, play and  companionship can fill the void in a changing life.

As the years pass, people may find their lives boring and lonely. Having a  pet cat or dog can fill this void. Taking care of a pet can provide meaning and  provide positive feelings of caring for another being. A pet can provide  structure missed by people following the routine of working outside of the home.  Caring for a pet provides some structure: time to eat, time to play and go  outside, time to be combed, time for naps. At the same time, the pet parent has  a role: to take care of the pet. This sense of responsibility provides structure  as well as a sense of being needed.

Another plus for seniors to have dogs, is for the protection a dog can give.  Seniors are often prey for intruders since the resistance of a senior citizen is  perceived as being lower and often it is known that there are less people living  in the home. However with a dog, the fear of barking or being bitten inhibit the  activities of intruders to that home. Research shows that homes with barking  dogs are violated fewer times than homes without dogs. Dogs provide safety to  seniors.

Another benefit of a senior owning a dog is that it makes them more active.  Owning a dog will compel the senior to live a more active lifestyle then if they  are by themselves. The dog will need to go outside to use the bathroom; feeding  and grooming must take place. These simple activities will give the owner  exercise. Matching the activity needs of the pet to the activity level of the  owner is an important factor to consider in deciding what kind of pet or breed  is best for both the senior and the pet.

Aging pet parents need to think about the future of their pets as time goes  on. A plan for pet care should be arranged so that if a hospitalization is  necessary, or a period of recovery in the home should occur, the needs of the  pets need to be met in those circumstances. Pet care in the home of another,  kennel care or acquiring the assistance of others to provide assistance in the  home are all necessary elements of a pet care plan. Pet parents of every age,  but especially senior citizens need to investigate alternatives in the dire case  of having to give up the pet. This author strongly suggests that “no-kill” pet  shelters need to be listed in the plan in the direst situations.

Overall, a senior owning a pet is an excellent idea. Dogs and cats provide  excellent companions and safety to senior citizens. Studies show that seniors  with pets are happier and live longer then seniors without pets. Preparing the  home properly with crates, dog collars, cat harnesses and pet beds coupled with  preparing plans for all contingencies will make for happy seniors and their  happy pets.

Kay Catlett [http://www.PetCollarStoreAndMore.com]

I believe that as we are humane to our pets, they make us more human. My  online pet store has carefully selected products at competitive prices.

I welcome your input on what products you like and want me to  carry.

Article Source: http://EzineArticles.com/?expert=Kay_Catlett

 

Senior Citizens Can See The World With Travel Insurance By W Scott

April 12, 2013 by · Leave a Comment
Filed under: Articles 

Retirement age can be the golden age of your life! Your children have grown  up and are independent. You do not have a full-time job. There is nothing  holding you back. This is the time of your life to fulfill all your dreams of  traveling the world! There is virtually nothing holding you back!

Know The Ins And Outs Of Travel Insurance

Senior citizen travel insurance is vitally important when planning any trip.  A travel insurance policy helps to protect you against unforeseen circumstances,  such as trip cancellations. There are numerous travel insurance firms that offer  great packages for senior citizens who are 65 and older. There are even policies  these days that provide for those who are 50 and above.

Senior citizen travel insurance is provided in two formats; annual travel or  single trip coverage. Annual travel is ideal for individuals who take a variety  of vacations over the course of the year. Single trip coverage is, as the name  implies, for a single travel event. Coverage details vary from company to  company. Receive quotes from several different travel insurance companies.  Compare each policy in detail to find the one that suits individual needs at an  affordable price.

Choose An All Inclusive Travel Insurance Package

Senior citizen travel insurance packages provide overall coverage for low  risk individuals. A good senior citizen travel insurance package will include  coverage for luggage theft or loss. Some packages also provide cover for medical  costs, including medical assistance or emergency services, which may be incurred  while on holiday.

Be sure to review your travel insurance policy in full. Ensure that you  understand every aspect of your travel plan. It must provide full financial  protection for any mishap that occurs while on holiday.

Look Before You Leap!

It is always wise to carefully review each portion of a senior citizen travel  insurance policy. Do not feel rushed. Do not feel intimidated or overwhelmed.  This is an entitled right when reviewing any insurance policy. A travel  insurance policy is no different. Ensure each portion of the policy pertains to  individual travel coverage needs. In the event that it does not, move on to  another insurance policy or insurance agency.

An often unmentioned fact about insurance policies is that the document is  considered a legal agreement. This means that in a court of law the terms and  conditions presented in the policy are legally binding. Obtain clarification of  anything that is not easily understood up front. Ask as many questions as  necessary until all aspects of the travel insurance policy are clear. Anything  not understood should be clarified by an insurance agent. If an agent is not  willing to do so, simply find one who will.

Senior citizen travel insurance is not intended to restrict travel  intentions. Rather, it is a sound financial decision providing protection and  peace of mind for senior citizens. With policy in hand, a senior citizen is  ready to explore the four corners of the world.

William Scott has authored a number of articles on holiday insurance. His site http://HolidayInsuranceTips.com, offers further  information on selecting the right senior citizen travel insurance  [http://www.holidayinsurancetips.com/category/senior-citizen-travel-insurance]

Article Source: http://EzineArticles.com/?expert=W_Scott

Article Source: http://EzineArticles.com/1136039

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!