The Reverse Mortgage-Fact & Fiction

Planning for retirement can be an overwhelming job, long-term care, investments or annuities, lack of retirement earnings.
These all lead to unnecessary aggravation. A reverse home mortgage might settle a few of that headache. Because most senior citizens will certainly have need to minimize their current spending while retired, a reverse home mortgage might provide the included cushion lots of people feel they need even before retiring. Social Security, Individual Retirement Account’s, 401k’s, and other approaches of retirement earnings typically supply adequate for living expenses and leisure activities, but do not leave much room to enhance your financial future. A Reverse Home loan is an increasingly popular solution to access a large amount of tax-free funds to safely assign for greater interest investments and securities.

Reverse Home mortgages are federally regulated and guaranteed financial cars that enable someone age 62 or older, to pull out equity locked in a lot of senior’s biggest asset: their home. A Reverse Home loan will certainly provide a percentage of the house’s assessed value, approximately 60 %, in a range of various payout approaches, however the borrower is not needed to make a single payment as long as they continue to reside in the home. All payment, closing expense, and interest are paid back when the senior either steps or the house is sold, so it produces a large amount of capital with definitely no danger of default or repossession on the home.

One of the crucial advantages to the reverse home mortgage is that the funds are totally tax-free. A reverse mortgage will also not will certainly NOT impact social security or Medicare benefits in any way. A reverse home loan ends up being even more impactful when utilized as a revenue generator by enhancing your financial investment portfolio. For instance, a couple who are both age 65, with a home value of $200,000, no mortgage, and are planning to either purchase an immediate annuity or a joint long-term care insurance plan. A reverse home mortgage might potentially provide over $100,000 to fund the annuity or a single premium insurance policy, with interest development and a long-lasting care rider.

The real power of the reverse mortgage as an investment tool lies in two aspects of the item. The first is that any funds produced from a reverse home loan are completely tax free, and will certainly not influence the tax bracket of the applicant. The problem to the senior or any individual for that matter, is that they have to remove themselves from the asset they are liquidating in order to access the proceeds. Not with a reverse home loan! A reverse mortgage is a real victory win.

A reverse mortgage lets you unlock the value of your single largest asset without needing to dispose of it or pay for it in any way. As increasingly more senior citizens reach their mid to upper 60’s and 70’s, they will look to enhance the dollars readily available to them. As soon as once more, this is why a reverse home mortgage is going to continue to be a popular monetary method in the years to come.

Ideas On How To Take Care Of Your Skin

Ideas On The best ways to Take Care Of Your Skin

The skin is the external lay of the body, and it among the largest organs people have.
The skin has several layers of tissue and secures the muscles, bones and internal organs. Skin plays a huge duty in safeguarding the body from the ecological threats that exist. It is extremely crucial to take excellent care of your skin. Here are some suggestions to see to it you are taking the best care you can.

When you clean your confront with gentle castile soap and warm water, bear in mind to make use of a soft washcloth to exfoliate both your face and your lips. After cleaning, hydrate your face with aloe gel and your lips with cocoa butter.This can be acquired in an affordable stick type in the majority of drug shops.

To prevent dry, chapped skin on your hands, you ought to use moisturizer in the evening and wear gloves to bed. Due to continuous direct exposure to the aspects, the skin on your hands ages too soon. Wearing gloves to bed, assists to lock the wetness into your skin, which keeps your hands soft and supple.

When you hydrate your skin, stay clear of using commercial items that are filled with chemicals, artificial colors, and petroleum derivatives. Instead, seek natural items made from natural oils and scents and without color additives. A very cost-effective option is to discover how to make your own charm items for full control of your beauty regimen.

In order to get rid of creases, you might wish to attempt utilizing a topical cream called Tretinoin. The ingredients discovered in Tretinoin have been shown to turn skin cell manufacturing back to typical and help eliminate creases. Tazarotene is another topical cream that provides the exact same results as Tazarotene.

Put on sun block! Too much sun direct exposure is harmful to dry skin. It dries you out much more and this can trigger break-outs. To stop this before it starts, use a high SPF, ideally, with a moisturizer built in. This will assist avoid acne flare-ups and keep your skin looking healthy and fresh.

To have youthful-looking skin for longer, make certain to get sufficient sleep. If you are frequently sleeping inadequate, you are robbing yourself of regrowth time. Gradually, this will result in older, duller skin which will be more susceptible to creases. So, get your forty winks to keep your skin looking young!

Did you know that working out could have an influence on your skin? Exercising frequently will enhance your blood circulation and your skin tone should look better. If you can, exercise outside. Remember to use sun block if you need to. Working out will certainly not change using creams on your skin but it will assist.

In order to effectively clean your face, it is crucial that you are washing it the proper way. Work your cleanser carefully over your face and moving your fingers in a circular movement. It is essential that you do not scrub your face too hard as it might cause skin irritation.

At the start of the article, you found out why it is so crucial to take appropriate care of your skin. You then were given a lot of tips on how to do so. Take skin care seriously, it is more then simply keeping up looks; skin care is important to surviving.

Embracing Caregiving As A Career

Accepting Caregiving As A Career

Professionals state if you are an individual who is caring and compassionate, a great conversationalist and enjoy helping others, you may think about a profession as a caretaker.

The U.S. Bureau of Labor Stats estimates there are more than 700,000 professional friends or caretakers, making this one of the fastest-growing professions in the nation. The Bureau tasks more than a 27 percent growth in this profession category over the next 10 years.

According to Home Instead Senior Care CEO and creator Paul Hogan, an aging population and longer life expectancy are indicators of an enhancing need for not just health care, but likewise in-home assistance. “The assistance and friendship paid for by a caretaker can keep senior citizens in their own houses longer and improve their quality of life,” says Hogan.

Senior citizens are not the only ones to benefit. For instance, after moving to a new city with her spouse, a woman called Muriel Phelps chose she wanted to meet new people and take on brand-new challenges. She had handled an office for Twenty Years and had not been always searching for a job when she found a covert talent for taking care of elders. “In this day and age, people can have numerous professions,” states Phelps of her newfound caregiving vocation. “It is one of the most remarkable periods of my life.”

She has actually now been an expert caretaker for House Instead Elder Care for 3 years and states the satisfaction of caregiving is being able to reach out and offer other seniors the care they need. She and her seniors share lots of interests-a love of gardening, music, food-and they even shop together.

“I have been so blessed in my life,” she says. “If I can share and make somebody’s life more intriguing and enjoyable, right until their dying breath, I have actually achieved something and made my life worthwhile.”

How To Care For Your Skin And Keep It Healthy

The best ways to Care For Your Skin And Keep It Healthy

Skin is the biggest organ on the human body.
That is why it is so important to take care of it. However perhaps you do not understand how to go about caring for your skin? Do not worry, by the time you get done checking out the following short article, you will be educated.

Banish the bad practice of cigarette smoking to obtain glowing skin. Smoking cigarettes destroys the aspects of your skin that keep it looking vibrant: collagen and elastin. Likewise, the continuous act of smoking enhances the circumstance of wrinkles around your mouth and on your lips. Stop puffing on those cigarettes, and your skin, lungs and heart will certainly thank you.

Never ever over wash your face, neck or back. Cleaning excessive can interrupt the contour of the layers of your skin, and yield excess burning and peeling. Attempt to limit the amount of times that you clean your skin to two times a day for maximum results and to maintain a high level of convenience.

Utilizing a mist to look after your skin can be useful, but see to it that you are misting and moisturizing. If you only spray on water, it vaporizes on your skin and triggers dryness. If you aren’t able to moisturize after misting, find an item which contains an emollient to assist you keep a healthy look.

Think about drinking green or black tea daily to take better care of your skin. The protective substances in both kinds of tea, such as EGCG, polyphenals and theaflavins, assistance to prevent skin cancer along with the breakdown of collagen, which is what triggers wrinkles.

In order to take full advantage of the advantage of your skin care, you have to set a skin care regimen and stay with it. Constantly switching products can actually cause more damage. If you stay with a single item over the long term, you’re most likely to see benefit outcomes. Just experimenting and never remaining with anything, will certainly not help you find a routine that works.

If you want to have stunning skin, do not smoke. Not just is it undesirable for the rest of your body, cigarette smoking also narrows the capillary on the surface area layers of your skin. This constricting seriously restricts the quantity of blood circulation and oxygen that gets to your skin, which results in creases, discoloration and an absence of nutrients.

To keep your skin healthy, ensure you consume a great deal of water. The more water you consume, the more hydrated your body will be, implying your skin will be a lot more hydrated. Drinking water also assists your body purify itself and eliminate toxins. The more water you consume, the more toxins that are pushed out of your body instead of building up in you skin.

As was mentioned in the beginning of this article, skin is the biggest organ in the body, which is why it is so vital that it is well look after. In the above article, you were provide important info to assist you get on the roadway to having healthy skin.

Senior Citizens Bill of Rights

Sometimes when you and your elderly parent are partnering for their care, it seems like an “us against the world” situation. But since the senior citizen you are caring for has little fight left in them, it seems it’s up to you to make sure that your elderly mom or dad get all they have coming. Just because a person becomes a senior citizen, that doesn’t mean their fundamental rights go away. They deserve and should expect to be treated with respect and for those serving them to live up to expectations.

But just as it was before your parent became a senior citizen, a right must be claimed to be a right. So while there is no formal “Senior Citizens Bill of Rights”, there are laws on the books about how nursing homes must treat senior citizens. And even if your mom or dad is in an assisted care facility and not a nursing home, there are some basic expectations that were in that contract and that are fundamentally assumed that the facility will live up to. And its up to you as the caregiver to make sure they are living up to what is expected of them.

First of all, the facility your senior citizen lives at should be reliable to provide the basics of safety and cleanliness. Look at the evacuation plan for the facility in the event of a fire or another emergency that would mean getting your parent out of the building. Is it a plan that is clear and is it workable considering the entire facility is full of elderly people who may not move very quickly? And what about emergency power? In the event of an emergency where the power goes off early, is there emergency backup power to operate elevators and automatic doors so everyone can get out?

If the facility offers food service as part of their package of services and if there is a charge for that service, there is a basic expectation that there will be meals made available three times a day, that it will be healthy food and that your parent will never be denied service. It is also not out of line to expect that the food could be delivered to the senior citizens rooms if your parent is ill or injured. And your parent should be able to get some variety in their diet. If they are not doing a good job of making foods that your parents likes to eat, they shouldn’t be making that additional charge for food service.

As we mentioned earlier, your parent didn’t lose his or her rights as an individual when they move into an assisted care facility. If your parent is paying to use that apartment, they have a right to live as they please in there. Within certain constraints because they are in a community setting such as keeping noise down after bedtime and the like, your parent should be able to do what he or she wants to do in the privacy of their home without the interference from others in the community or from the staff of the complex. This includes receiving guests, allowing family or friends to sleep over, how the apartment is decorated and what kind of music your parent enjoys.

A right that really cannot be detailed but can be felt dramatically is your parent’s right to be treated with dignity, compassion and respect. This is an intangible but how the staff of the facility treat the resident’s means a lot to your parent when they see these people every day. Its not out of line to expect the staff and management of the facility to know your parents names and greet them warmly when they come down to eat or go to a social event.

If the staff of the facility have to work directly with your parent, it should be done respectfully and pleasantly. If your parent reports verbal or emotional abuse going on by the staff, that is cause for you to investigate it and hold that facility to accountability for that problem.

Remember the old saying that the squeaking wheel gets the oil. So if the facility needs to be reminded of their responsibilities, you be that squeaky wheel. Squeak loud and squeak often so your parent can live in a place where they enjoy their days and feel that this is a place they can genuinely call home.


You Are More Than A Number: Tips For Aging Gracefully (2)

You Are More Than A Number: Suggestion For Aging Gracefully

You are starting to see signs of aging in your very own body and are trying to find recommendations on ways to either slow down these effects or stop them completely.
In this short article you will find proven methods to help decrease the effects of aging and help you live a pleased life.

Make the effort to stretch every day. If you can retain your flexibility, you are sure to stay mobile and more independent for a lot more years. Many muscle and skeletal issues come from bad flexibility and if you continue to do stretches daily, you make certain to have far less issues.

Stop multitasking! Your mind can not work the way that it once did. You will discover it simpler and far less demanding if you do not try to accomplish as numerous things simultaneously. Preventing tension is essential as you get older to avoid doing damage to your heart and your body.

Get hold of a fashionable pair of sunglasses and wear them. Putting on an adorable pair of glasses can assist with looking younger but the biggest advantage is the defense it gives to your eyes and skin. The skin around our eyes is extremely thin and the suns UV rays can do a number on that location. Putting on glasses with that secure from uv rays will keep your skin secured and your eyes bright.

Skip the heavy makeup and powders every now and then. Although they make us look beautiful for the short-term, they are contributing to the aging of your skin. Makeup typically harms the skins ability to hydrate and remain elastic. Offer your skin a break and take a couple of times off a week from more than just a slip of lip gloss.

Vitamin B, when applied topically, helps to trap moisture in your skin and keep it hydrated. Moist skin creases less and tends to become less flaky. Taking vitamin B by mouth also helps with healthy skin, hair and nails from the in out.

See to it that you brush your teeth at least two times daily. One of the things that you will want to fight as you battle aging is dental caries, which will take place quicker if you have excess food in your mouth. Brush your teeth and make use of mouthwash to get rid of bacteria and enhance your health.

How old we look typically has a lot to do with how our skin looks. If it is wrinkled, has brown areas, does not have a healthy radiance– it shows old age. But today there are numerous nutrients and creams readily available to minimize these conditions and make our skin healthy and our look more youthful.

It may sound odd, however our mothers were right, don’t raise your eyebrows. When we were children, our mothers warned us of this and believe it or not, she was best! Raising your eyebrows will certainly trigger wrinkles and forehead crinkling, so it is best to think of it and try your up must not to raise the eyebrows.

In conclusion, you are searching for ideas and tricks how to best either put a stop to or postpone the results of aging. It is important to you that you look and feel your finest. Ideally the info that has been supplied in this article will be advantageous to you.

Retirement Q&A: Understanding Your Options For Retirement Communities

* What are Active Adult Communities?

Active Adult Communities are specially designed communities for those who are age 55 and above. They are designed for a lifestyle best suited to their age.

These are for couples who have no children living with them anymore. They can enjoy living in this kind of community along with other people in their own age group. Here there are two to three bedroom houses being offered to their community members.

These active adult communities feature a lot of facilities and amenities that will cater to their favorite activities. Usually there are golf courses, clubhouses, parks, nature trails, and places where they can enjoy retirement.

* What are Independent Living Communities?

Independent Living Communities, otherwise known as retirement homes, are like condominiums and apartments where seniors and retirees capable of living independently can stay with their peers.

Here they can enjoy a lifestyle that is laidback and full of recreation together with other seniors and retirees.

This kind of community offers security and the convenience of community living while still being an independent person.

There are plenty of activities offered in this type of community that help keep community members fit, alert and comfortable.

* What are Continuing Care Retirement Communities?

Continuing Care Retirement Communities are a kind of community wherein retirees and seniors can obtain three different levels of community care programs. In continuing care retirement communities, a senior or retiree can choose from 1) independent living, 2) assisted living, and 3) nursing home care all within a single community.

For a one time or monthly fee basis, a retired person can avail of a living quarters, meals, health care in different levels and the company of other seniors and retired persons.

* What are Assisted Living Communities?

Assisted Living Communities can be differentiated by the different types of levels of assistance provided by the hosts of the communities as well as the different kinds of living units by their residents.

This is a community wherein retirees and senior citizen residents live together and requires some assistance in their everyday activities. Licensed and well-trained medical staff are at hand to provide service and assistance to their residents that either could not do their daily activity independently due to old age or because of an illness or ailment.

* What are Nursing Care Facilities?

Nursing Care Facilities, or Nursing Homes, provide a living community for senior citizens and retirees who need constant or daily care. Most states require a nursing care facility to have a license. They are expected to meet federal requirements such as having licensed and well-trained medical attendants.

Advanced aged residents can avail of medical attention all day. As well, they can live with other people with their same condition and enjoy daily activities that can keep them physically and mentally active.

* What are golf retirement communities?

As its name implies, a Golf Retirement Community is a living community wherein a golf course is centered. Retirees and senior citizens who love the game of golf get a chance to play the game they adore everyday.

This kind of community is designed to cater to the needs of those who are advanced in age and want to live in a community among their peers. Many amenities are available that do not only cater to golfing. They can enjoy other activities such as card playing, swimming, exercising and more.

This type of community offers different housing plans such as two door houses or apartment type living quarters.

* What are RV retirement communities?

RV retirement communities are where senior citizens or retirees live in RV’s or Recreational Vehicles that are parked in designated areas. RV Communities have permanent structures and facilities wherein residents can avail of many services such as recreation, medical and other physical activities.

A couple or single senior retiree can enjoy living independently in his RV but still get the attention he needs. Living with other retirees in their own RV’s cuts the cost of renting housing facilities or buying a home.

* What are rental retirement communities?

Rental retirement communities allow you to live in a community where you do not have an obligation to purchase a property. You can enjoy retired life to the fullest in a community where like-minded people can take pleasure in living in a community where they can get to do what they like.

A rental retirement community lets you live in a community where there are a various choices of living conditions. From luxurious villas to studio type apartments, you can stay as long as you want when you want it. You can take advantage of services like independent living, assisted living and nursing care living.

Get The Skin You Have Always Wanted Today! (3)

Get The Skin You Have actually Constantly Wanted Today!

Looking after your skin is something you will certainly never ever be sorry for.
Lots of people don’t care for their skin, and are sorry it later on in life when age begins revealing. This post will dicuss a couple of simple, qucik ideas you can do to take much better care of your skin.

Prevent tanning booths at all expenses. While you could think tanned skin is healthy, it’s truly not. Not just that, however the FDA has shown that if you use tanning beds prior to the age of thirty, you enhance your risk for skin cancer by seventy five percent! You’re much better off avoiding it and remaining healthy.

When you take care of the skin on your face, bear in mind to extend your skin care to your neck, throat and the skin of your upper chest. These are all exposed areas that will age in the exact same way your facial skin does. Nothing will make you look older than dry, wrinkly skin on your neck, throat and chest.

Eliminate the bad routine of smoking cigarettes to get radiant skin. Cigarette smoking destroys the aspects of your skin that keep it looking younger: collagen and elastin. Also, the constant act of smoking enhances the circumstance of wrinkles around your mouth and on your lips. Stop puffing on those cigarettes, and your skin, lungs and heart will thank you.

When you are wishing to take care of your skin you must stop and think of your anxiety levels. Anxiety, stress, and anger will reveal on your face first. Attempt to let things not bother you, try a yoga course and remember to not scowl so much so that you don’t produce great lines and wrinkles.

Include flaxseed to your diet plan in order to avoid flaky, dry patches of skin. Flaxseed oil is remarkable due to the fact that it hydrates your skin and is easy to contribute to your diet. You can utilize flax oil on salads or while baking, blend ground flaxseed tastelessly into your oat meal or yogurt, or consume the seeds whole for a distinct treat.

Know what type of skin you have. Many people presume that skin is alike, but this is false. Lots of skin items are specifically tailored for individual kinds of skin including dry, oily, and mixed skin types. Utilizing a product not suggested for your skin could in fact have a damaging impact.

Do not smoke. Regardless of the unhealthy chemicals and poisons that are being breathed in into your system that can possibly cause cancer, cigarette smoking diminishes the skin of oxygen and crucial nutrients which provide the skin its healthy radiance. Long term cigarette smoking will likewise cause extreme creases around the mouth, aging the cigarette smoker too soon.

For long-term charm, ensure to make use of moisturizer with sun block at all times of the year. Even in the winter season, the sun’s glare on the snow can harm your skin. Do not count on just moisturizer for a trip to the beach. Make sure you have real sun block with you for whenever long direct exposure to the sun is required.

You have spent some time reviewing the best ways to take much better care of your skin. You have actually read some suggestions that you proberly understood already, and some that maybe new to you. Attempt them out to see what may help you the best, and whiches simply don’t suffice for you.

Long Term Care Policy- Planning For Your Old Age

Long Term Care Policy- Planning For Your Aging

The term ‘Elderly person’ spells a perfect mix of ultimate knowledge and experience!
However, in some cases it also resounds with silent discomfort, suffering and stress that become their only companions in life. They have enjoyed life’s most treasured moments, in addition to saw its darkest side. They have actually experienced the harsh realities of life, commonly experiencing the indignities of disinterested loved ones. Making use of long-term policies created specially for them can abate the difficulties senior citizens deal with in their silver years.


There are numerous long-term care policies accommodating the physical ailments that affect aging. Typically, severe medical conditions need specially trained nurses and physicians twenty-four hours a day. Long-term care envelopes regular care required by an individual ailing with an acute disease or disability. The degree of care usually includes bathing, dressing and lots of other specific services.

Main Concern:

The major issue of most families is to provide their aging moms and dads with the best offered long-lasting care, without resulting in a major financial problem for the remainder of the family. Usually, the majority of households question when to time the long-lasting care for their aged loved ones; whether it is needed at all, or would the care offered by family members themselves suffice.

Significant Dispute:

Among the best arguments against purchasing a long-lasting care policy is that people feel that the cash paid as premium would be squandered if there were no need for the advantage. It is akin to individuals hesitating about getting their car guaranteed, for there is no guarantee of the automobile being harmed in an accident. Naturally, it comes down to top priorities; just as one guarantees an automobile to take care of unexpected conditions, long-lasting care insurance provides future security by caring for an aging loved one.


Though it is not possible to anticipate if there would ever be a requirement for healthcare facilities, home-care services, or assistance in living, still, you could opt for a long-lasting care insurance plan for reasons such as:

– Restoration of personal flexibility
– Alleviating the burden on care-takers
– To save possessions for the remainder of the family.
– To access the virtual assisting hand at a time of severe crisis.


A senior would be qualified for funds provided they fulfill the following criteria:

– If she or he is not able to perform a minimum of two to three, out of five or 6, routine activities that are necessary for daily life, which includes bathing, dressing, toiletry, moving about, feeding oneself, and the like.
– All tax-qualified policies state that a qualified physician must declare the candidate seriously ill.
– The ailment ought to have indicators of lasting for a minimum of for ninety days.

Though long-term insurance plan are a costly buy, yet their relevance is essential for senior citizens. As one ages, there is a growing fear of being hindered by health problem and disability, the costs involved, and being a burden on one’s household. A long-lasting care insurance policy goes a long method in alleviating these fears, assisting elderly people face their silver years confidently.

Get The Most Out Of Your Life With These Aging Tips 6

Get The Most Out Of Your Life With These Aging Suggestion

Aging is a regular development of life. As you age, your body may not have the ability to do numerous things that it made use of to do. Nevertheless, it does not mean that the quality of your life needs to suffer. There are numerous things that you can do to ensure that you enjoy your retirement years. Read the following post for some recommendations.

One of the important things that you can do, in order to accomplish sluggish aging, is to avoid sugar. It is renowneded that sugar is one of the direct reasons for aging and by preventing it, you will substantially increase your lifespan. Attempt to remind yourself of this reality, when sugary sweets and desserts are calling your name.

An excellent hint to help you age is to restore your hormones. Loss of stamina, energy, and sex drive can be the reason for decreasing hormone levels in your body which takes place when you grow older. You may need to talk with your doctor about hormone replacement treatment and starting a routine of your own.

Start making a will. Death is a subject individuals do not prefer to discuss, but it is inescapable. When you feel all set, begin preparing your will certainly and final documents so that your household knows how you would such as things to be dealt with after you pass on. This will likewise ensure that there are not any household battles and disputes later on.

Vitamin B, when applied topically, assists to trap moisture in your skin and keep it hydrated. Wet skin wrinkles less and tends to become less flaky. Taking vitamin B by mouth also assists with healthy skin, hair and nails from the in out.

Alzheimer’s condition is a typical illness. Recognizing it early is the best defense in slowing the illness down. The possibility of getting Alzheimer’s condition enhances with risk elements as having a family tree of the disease, Down’s Syndrome, serious head injury in the past or being over 65 years of age.

Beginning looking after your skin. The skin is the first place to show indicators of aging because as it matures, aging areas appear and it ends up being drier and loses elasticity. A great anti-aging moisturizer, nevertheless, can make your skin softer and decrease the look of existing creases and help to postpone the formation of brand-new ones.

Make certain that you are drinking plenty of water in order to prevent skin issues from aging. Water benefits skin of any ages, but for individuals aging, it likewise helps prevent wrinkles and age spots. You need to also see what you consume. Keep away from foods with too much fat.

If you’re going outside in the sunshine, make sure you always put on sunglasses. The benefits from sunglasses are 2 fold. They safeguard your eyes from the dangerous UV rays and can help keep your eyes sharp for years to come. They’ll likewise keep you from squinting to see and stop you from getting wrinkles from it.

As you can see, your retirement years can be improving and fulfilling, depending on how you look after yourself and exactly what activities you participate in. Try some of the things discussed in this post. You might be surprise to learn that these years can be the very best years in your life.