Survival strategies

Need Retirement Income? – (Life Underwriters Need Not Worry)

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The total number of life insurance policies sold rose 8% in the first six months of the year and marked the highest such growth since 1983, LIMRA said. And there were other indicators in that same data that pointed to positive signs: Total U.S. life insurance premium increased 21% in the second quarter 2021, the largest year-over-year increase since third quarter 1987; in addition, it was up 18% for the first half of 2021 compared to the prior year.

Life Insurance Sales Are Up, But for How Long? — https://news.ambest.com/articlecontent.aspx?refnum=313837&altsrc=2

I know who you are and I know what you want. If you are looking for ransom, I can tell you I don’t have very much money. But what I do have are a very particular set of skills; skills I have acquired over a very long career. Skills that are currently in short supply. Skills that I can and will take to the highest bidder.

The Supreme Commander

I last posted about my upcoming retirement in More Retirement Income Ahead!

I need to start referring to my upcoming retirement as What Retirement?

Don’t Take an Aspirin and Call Me in the Morning — A Country Doctor Writes:

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People are asking about the latest US Public Health Service Taskforce on Prevention (USPSTF) recommendation about the use of aspirin to prevent heart disease. It has been a long-standing recommendation for people who already have heart disease. When I turned 50, I started taking a “baby” aspirin. That was their recommendation then. I stopped taking […]

Don’t Take an Aspirin and Call Me in the Morning — A Country Doctor Writes:

Personal Note:

A few years back I was taking 81mg aspirin AND fish oil. I stopped taking the fish oil because every nick, scratch and cut would not stop bleeding and took a long time to clot. Personally I plan on continuing my aspirin therapy at least until my next wellness exam. My physician wanted me to continue aspirin until age 70. We’ll see.

HEPA (high-efficiency particulate air) Filters and Covid-19 – Updated 10.10.21

/ SupremeCmdr / 3 Comments

Research at a hospital swamped by people with COVID-19 has confirmed that portable air filters effectively remove SARS-CoV-2 particles from the air — the first such evidence in a real-world setting1. The results suggest that air filters could be used to reduce the risk of patients and medical staff contracting SARS-CoV-2 in hospitals, the study’s authors say.

Real-world data show that filters clean COVID-causing virus from air — https://www.nature.com/articles/d41586-021-02669-2

We have several HEPA filters in the house to remove allergens for the allergy sufferer and now…

We have several HEPA filters in the house to remove SARS-CoV-2 virus from the house

The study findings have not been peer reviewed. But this won’t stop me from picking up one or two more HEPA’s for the house.

We have one of these in my office and one in the primary bedroom. The Boss has a smaller unit in her smaller office.

Update 10.10.21

Here’s a link to the http://www.nature.com podcast, same topic plus the Bangladesh mask study findings. Ten minute listen for those without the time to read the full article. https://www.nature.com/articles/d41586-021-02785-z

MIND Your Diet

/ SupremeCmdr / 2 Comments

MIND diet is associated with better cognitive functioning independently of brain pathology, suggesting that the MIND diet may contribute to cognitive resilience in older adults.

Dhana, Klodian et al. ‘MIND Diet, Common Brain Pathologies, and Cognition in Community-Dwelling Older Adults’. 1 Jan. 2021 : 683 – 692. — https://content.iospress.com/articles/journal-of-alzheimers-disease/jad210107

So, what is the MIND diet?

The traditional Mediterranean dietary pattern includes mainly whole, minimally processed plant foods including cereal grains, legumes, vegetables, fruit, nuts, and fish with small amounts of meat, milk, and dairy products and a regular modest amount of alcohol.4 The DASH diet emphasizes fruit, vegetables, and low-fat dairy products and includes whole grains, poultry, fish, and nuts, and is reduced in fats, red meat, sweets, and sugar-containing beverages.4 Combining the two diets, the MIND diet emphasizes natural, plant-based foods, specifically promoting an increase in the consumption of berries and green leafy vegetables, with limited intakes of animal-based and high saturated fat foods.

What Are the Components to the MIND Diet? — https://jandonline.org/article/S2212-2672(15)01251-4/fulltext

I became aware of the MIND diet earlier this year. It’s nice to know my dietary pattern has a name.

Internet Use in Retirement and Cognitive Function

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Focusing on a sample of 2,105 older people from Austria, Belgium, Denmark, France, Germany, Italy, Israel, Spain, Sweden and Switzerland who have been retired since 2004, researchers examined retirees’ cognitive function in both 2013 and 2015. They specifically focused on a word recall test, where individuals were asked to recall a list of 10 words immediately, and then again five minutes later.

Results found that, on average, people who used the internet after they retired were able to recall 1.22 extra words in the recall test compared to non-internet users. However, retirees who used the internet were also more likely to be male, younger, better educated, and have been retired for a shorter period. They also appear to be in better health — even though they drink and smoke more.

Lancaster University. “Using internet in retirement boosts cognitive function.” ScienceDaily. http://www.sciencedaily.com/releases/2021/09/210920100910.htm (accessed September 20, 2021).

The Myth of Retirement

/ SupremeCmdr / 2 Comments

Prices in the three production stages that are the furthest up the pipeline (Stages 1-3, red, green, gray) have all jumped by over 20% year-over-year. Prices at production stage 4 (black), up 12.1% year-over-year, are inputs for final demand prices, which are inputs for consumer prices.

Final demand prices are what consumer prices will encounter pretty soon in their consumer prices. Stage 4 intermediate demand prices will follow. And prices in productions stages 1-3 are further behind, but they’re true whoppers, and they will provide massive pressures on consumer prices for months to come:

Up the Price Pipeline, Inflation Rages at 20% — https://wolfstreet.com/2021/09/10/up-the-price-pipeline-inflation-rages-at-20/#comments

Prior to the 1950’s, there was no such thing as retirement, as the term is used today. A 1950 poll showed that most workers aspired to work for as long as possible. Quitting was for the disabled. Also, remember that in 1935 when the government was determining the appropriate retirement age for social security (65) the average adult male died at age 63.

The Baby Boom generation is also living longer than the generation before it. Chances are a married couple age 65 will have one spouse live into his or her early nineties. That is nearly 30 years of living off of one’s savings and Social Security if one retires at age 65. The math does not work for this many people. For so many to have golden years, there needs to be gold (money) to support them.

Trust Company Oklahoma May 2016 The Retirement Myth — https://www.trustok.com/our-latest-quarterly-newsletter/

Thinking about retirement? I’ve been thinking about retirement for quite some time and the thought of not working doesn’t appeal to me. There will come a time when the 40+ hour workweek will be no longer doable. But for now that time is far off in the future. The math in retirement will not work for the majority. I see inflation all around and my planned retirement income streams and savings will not last as long as hoped if everything costs more. Retirement math now is simple. If you can, work longer and save more.

Where Are The Starter Homes?

/ SupremeCmdr / 3 Comments

Pergens and his wife, Amanda, have a 6-year-old daughter and another child due this month. She stopped working as a pastry chef during the pandemic. They rent a small two-bedroom apartment. “We build all these fancy homes,” Pergens says. “Fancy, fancy houses … and low-income apartments. And there’s absolutely nothing in between.”

The Housing Shortage Is Significant. It’s Acute For Small, Entry-Level Homes — https://www.npr.org/2021/09/04/1033585422/the-housing-shortage-is-significant-its-acute-for-small-entry-level-homes?

Good article but the analysis is only partially correct. Affordable housing has been an issue for decades. It’s not merely an issue of current economic conditions. It’s a lack of political will and the continuing demise of the middle class. WAY BACK last century our starter home cost less than $100,000 and we had over 1600 square feet 3BR 2B.

It’s no wonder the newest hit show on HGTV is Cheap Old Houses. https://www.hgtv.com/shows/discovery-plus-home/articles/cheap-old-houses-hgtv-show

I Just Had my WOW Moment of the Weekend

/ SupremeCmdr / 13 Comments
WOW!

Protective heterologous T cell immunity in COVID-19 induced by the trivalent Measles-Mumps-Rubella and Tetanus-Diptheria-Pertussis vaccine antigens — Published:August 13, 2021DOI:https://doi.org/10.1016/j.medj.2021.08.004

There is a downloadable PDF of the study at the link above. Most of the terminology and research methodology is WAY above my pay grade but the conclusion is still a WOW.

Trends in Consumption of Ultraprocessed Foods (not good news)

/ SupremeCmdr / 4 Comments

The calories that children and adolescents consumed from ultraprocessed foods jumped from 61% to 67% of total caloric intake from 1999 to 2018, according to a new study from researchers at the Friedman School of Nutrition Science & Policy at Tufts University. Published August 10, 2021, in JAMA, the study analyzed dietary intake from 33,795 children and adolescents nationwide.

Tufts University. “Ultraprocessed foods now comprise 2/3 of calories in children and teen diets.” ScienceDaily. http://www.sciencedaily.com/releases/2021/08/210810110955.htm (accessed August 10, 2021).

The largest spike in calories came from such ready-to-eat or ready-to-heat dishes as takeout and frozen pizza and burgers: from 2.2% to 11.2% of calories. The second largest spike in calories came from packaged sweet snacks and desserts, the consumption of which grew from 10.6% to 12.9%.

Frozen pizza and burgers? Is this a problem?

Findings  In this serial cross-sectional study of nationally representative data from 33 795 US youths aged 2-19 years, the estimated percentage of total energy consumed from ultraprocessed foods increased from 61.4% to 67.0%, whereas the percentage of total energy consumed from unprocessed or minimally processed foods decreased from 28.8% to 23.5%.

https://jamanetwork.com/journals/jama/article-abstract/2782866

We are doomed.