Download Retire Happy: What You Can Do Now to Guarantee a Great by Richard Stim Attorney, Ralph Warner Attorney PDF

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But here are three simple and relatively painless adjustments that will pave your road to retirement. • Eat out less. Restaurant servings have increased dramatically in the past three decades. According to one study, most restaurant chefs are now serving portions that are two to four times bigger than the government’s recommendation and that contain more than 60% more calories than the average meal served at home. (The chefs don’t expect you to finish your plate: When 300 chefs were surveyed, 58% reported that if a diner is served a huge amount of food, it’s the diner’s responsibility to eat the appropriate amount.

Cont’d. “Some policies cover assisted living, a popular choice for older Americans who need some help but don't require full-time nursing home care. But such policies sometimes limit their coverage to facilities licensed by the state where the policy is issued,” Burns says. Some insurers sell policies that restrict coverage to home health care. Premiums for these policies may be lower, but for most people, “that's a dangerous product,” Burns says. ” Although most people won’t need long-term care insurance, it does provide peace of mind.

Try carrot or celery sticks, licorice, lollipops, hard candies or mints, herbal tea, orange sections, raisins, seeds, popcorn, or sugarless gum. We wouldn’t normally recommend keeping stocks of lollipops close at hand, but the damage to your health from these sugary treats is less than the damage from cigarettes—and remember, we’re just talking about Quit Day. • Build your team. Tell your friends and family about your Quit Day, so you’ll be less likely to put it off. Ask for their support. Ask other smokers to neither smoke in the house nor around you, and to never offer you cigarettes, nor give you one if you ask.