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How to Earn More Interest on Your Savings

March 10, 2023 By village-belmar

Interest rates on savings — whether for cash stashed in money market mutual funds, bank money market accounts or certificates of deposit (CDs) — are hitting levels last seen in the early 2000s. “I’m just thrilled with all this,” says Peter Crane, publisher of Money Fund Intelligence. It’s especially welcome news for retirees in need of low-risk income to help make ends meet and others seeking a safe place to set aside funds for an emergency.

But not every financial institution is offering high interest rates, even to longtime customers. And even if you invest in money market mutual funds, whose yields float with the short-term market, you have to shop around for the best deal.

Thank — or blame — the Fed. In an effort to squash inflation, the Federal Reserve has hiked its target for short-term interest rates eight times since 2021. Its key fed funds rate is now 4.5 percent to 4.75 percent and expected to go higher after the Fed’s Open Market Committee meeting later in March. Typically, savings rates follow the fed funds rate, and you’ll find plenty of CD offers for 4 percent or more.

Some major banks, however, aren’t sharing the love, at least not with all their products. One big bank, for example, offers a six-month CD yielding a paltry 0.03 percent. Another big bank offers 0.05 percent for a six-month CD for customers willing to plunk down $100,000. (The “standard rate” for smaller deposits is 0.01 percent.)

One reason: Banks set their own rates according to how much they need money from deposits, which they lend out at a higher rate. Many of the larger banks are flush with cash and in no hurry to lure more at higher interest rates. “It’s a binary world where big banks are offering diddly-squat on a lot of their deposits,” says Ken Tumin, founder of DepositAccounts.com. On the other extreme are online banks, whose rates more closely track the fed funds rate. “Right now we have four major online banks offering more than 5 percent on CDs,” he says.​

For tips on how to earn more interest on your savings, from AARP, CLICK HERE.

Four Types of Exercise Can Improve Your Health and Physical Ability

March 1, 2023 By village-belmar

Most people tend to focus on one type of exercise or activity and think they’re doing enough. Research has shown that it’s important to get all four types of exercise: endurance, strength, balance, and flexibility. Each one has different benefits. Doing one kind also can improve your ability to do the others, and variety helps reduce boredom and risk of injury. No matter your age, you can find activities that meet your fitness level and needs!

Endurance activities, often referred to as aerobic, increase your breathing and heart rates. These activities help keep you healthy, improve your fitness, and help you perform the tasks you need to do every day. Endurance exercises improve the health of your heart, lungs, and circulatory system. They also can delay or prevent many diseases that are common in older adults such as diabetes, colon and breast cancers, heart disease, and others. Physical activities that build endurance include:

  • Brisk walking or jogging
  • Yard work (mowing, raking)
  • Dancing
  • Swimming
  • Biking
  • Climbing stairs or hills
  • Playing tennis or basketball

To learn about the other types of exercise that can improve your health and physical ability, from the National Institute on Aging, CLICK HERE.

Why Your Joints Ache More in Colder Weather — And What to Do About It

February 15, 2023 By village-belmar

Have you ever noticed that your joints ache more when the temperatures start to dip?

You’re not alone. A handful of surveys and studies show that individuals with the most common form of arthritis — known as osteoarthritis, which affects nearly 33 million U.S. adults — experience more joint pain in colder weather. And the reason isn’t straightforward.

Here’s a look at why your joints may be crankier in colder weather — and what you can do to help alleviate the discomfort.

Dips in air pressure and physical activity

One reason for more seasonal soreness may have to do with the change in barometric pressure, or the measurement of air pressure in the atmosphere.

In warm weather, barometric pressure is high; when it gets cold, that pressure drops. And when that happens, “it can cause your tissue around the joint (muscles, tendons, etc.) to expand, which increases the pressure in the confined space in your joint,” explains Michael M. Kheir, M.D., a clinical assistant professor of orthopedic surgery at the University of Michigan. The result can lead to joint pain.

Activity levels can contribute to increased pain and stiffness in the joints. And studies show that when the temperatures plunge, so do physical activity levels.

It may sound counterintuitive, but regular exercise is one of the most effective strategies when it comes to treating arthritis pain. According to the Centers for Disease Control and Prevention (CDC), physical activity can help adults with arthritis decrease pain and improve function by about 40 percent.

The winter blues may also be to blame for an increase in joint irritation. Some research suggests a link between seasonal affective disorder, or SAD, and chronic pain.

“We know that mood, for example, can change during different seasons, and we know that there’s certainly a relationship between mood and pain perception,” said Mahmood Gharib, M.D., an assistant professor in the Department of Rehabilitation Medicine at the University of Minnesota Medical School.

To learn about tips to relieve joint paint, especially during colder weather, from the AARP, CLICK HERE.

Safety Tips for Exercising Outdoors for Older Adults

January 30, 2023 By village-belmar

You’ve made a plan to be more active, and you’re ready to go outside and get started. But before you do, make sure that you can exercise safely in your neighborhood. Here are a few tips that can help you stay safe as you get moving.

Think ahead about safety.

• Carry your ID with emergency contact information and bring a small amount of cash and a cell phone with you, especially if walking alone. Stay alert by not talking on the phone as you walk and keeping the volume low on your headphones.

• Let others know where you’re going and when you plan to be back.

• Stick to well-lit places with other people around.

• Be seen to be safe. Wear light or brightly colored clothing during the day. Wear reflective material on your clothing and carry a flashlight at night. Put lights on the front and back of your bike.

• Wear sturdy, appropriate shoes for your activity that give you proper footing.To learn about more tips for exercising outdoors safely, from the National Institute on Aging, CLICK HERE.

7 Warning Signs You’re About to Gain Weight

January 16, 2023 By village-belmar

Gaining weight means one of two things: working hard to lose the pounds or shelling out money for new clothes. But what if you could see that weight gain approaching in advance and take steps to fend it off before it collects around your midsection? Here are seven indicators that weight gain may be in your near future and some simple steps to preempt the pounds.

1. You’re on a diet

You may lose some weight in the short term, but research shows that dieters often end up heavier than their baseline weights. In a review of 29 weight-loss studies, dieters regained more than half the weight they had shed within two years. After five years, they had regained about 80 percent.

We are at the mercy of a tightly controlled system designed to keep the body at its current weight, says Caroline M. Apovian, M.D., codirector of the Center for Weight Management and Wellness at Brigham and Women’s Hospital in Boston. “When you try to lose weight [by dieting], your body’s going to fight you,” she notes. As soon as calories drop, your body makes less leptin, the hormone that tells your brain you’re full, and more ghrelin, a hormone that signals that you’re hungry. Plus, your body tries to hold on to its fat stores by lowering your metabolic rate, burning fewer calories.

Prevent the pounds: To shed weight for good, don’t simply restrict calories. Instead, make sure the calories you eat count. Apovian advises sticking with whole grains, lean protein, low-fat dairy, fruits and vegetables, and avoiding processed foods and added sugars.

To read about 6 additional signs that you’re about to gain weight, from AARP, CLICK HERE.

Participating in Activities You Enjoy As You Age

January 2, 2023 By village-belmar

There are many things you can do to help boost your health as you age, including making healthy food choices and not smoking. But did you know that participating in social and other activities you enjoy can also help support healthy aging?
As you grow older, you may find yourself spending more time at home alone. Being lonely or socially isolated is not good for your overall health. For example, it can increase feelings of depression or anxiety, which can have a negative impact on many other aspects of your health. If you find yourself spending a lot of time alone, try participating in activities you find meaningful — those that create a sense of purpose in your daily life. These can include hobbies, volunteer activities, or time with family and friends.

Melvin and Linn’s Story

Melvin has not quite felt like himself since his retirement. He misses his customers and teaching new employees the trade. Linn used to care for her grandchildren while her daughter was at work. Now that her grandchildren are in school, she has a lot of extra time on her hands. Melvin and Linn miss waking up with a feeling of purpose. They think joining a volunteer group might help — and they’re right.

Benefits of an active lifestyle

Engaging in social and productive activities you enjoy, such as taking an art class, joining a hiking club, or becoming a volunteer in your community, may help to maintain your well-being and independence as you age. An active lifestyle is more than just getting your daily steps in. It includes doing activities that are meaningful to you and benefit your mind, spirit, and body.

To learn more about the health benefits of an active lifestyle and various activities to consider, CLICK HERE:

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