15.1.11

Living Longer (In My Own Way)

Around this time of the year everyone starts thinking about getting a fresh start. The New Year comes around and we think this year, “I am going to be better! I am going to eat better, lose weight, stop smoking, start exercising, stop drinking as much, keep in touch with my friends, etc.” If you are thinking about that fresh start and being a little healthier, let’s take a look at things that make us live long and prosper!



No Tobacco use – I know you’re heard it all before, but quitting the use of tobacco products is the best change you can make to your lifestyle. Not only will it help save you from lung cancer and heart disease but it will also help save your finances and dreaded wrinkles. If you quit smoking you can add 5 to 10 years to your life. If you’re interested in quitting, you’re in luck, help is just around the corner.





Exercise – Regular exercise helps prevent cancer, diabetes, heart disease, and high blood pressure to name a few. Ok, so you’ve heard this too. But did you know according to one study you may be able to extend your life 2 seconds for every second that you exercise. That means that for every hour you exercise you extend your life by 2. So 1 year of exercise at 60 minutes a day can extend your 5 years. According to this study, I am going to live forever!!!


Eating Right – If you eat a well balanced diet you can also help prevent cardiovascular disease, certain cancers, diabetes, high blood pressure and others. Limiting the amount of calories you eat is also essential to maintaining a healthy weight and achieving your fitness goals. Did you also know that eating a well-balanced diet with plenty of fruits and vegetables, whole grains and a limited amount of saturated and trans-fats that you can boost your life span by 2 years!


Maintain your blood pressure – High b/p is something that you can’t see or feel. Have it checked regularly to make sure you’re below 120/80. Believe it or not this can lengthen your life by 3 years.

Maintain your cholesterol levels – You’ve probably heard it in my last posts about good and bad cholesterol. The good stuff (HDL) helps protect your heart when it’s higher than 55, and adds a year or so to your life. And if the bad stuff (LDL) is less than 160 you can add another year on.

Well fellows, these years are really adding up!! I’m sure at this point I haven’t telling you anything new, but the next few might surprise you.


Don’t be a loner – Believe it or not social interactions add years to your life. Research has shown that people that have spouses and significant friendships are healthier. People with strong social ties get sick less often and have a healthier immune system. Even people that have the pets may live longer. If you socially interact with others at least 3 times a month you may add 2 years to your life..


 Use brain power – You know the old saying if you don’t use it you’ll lose it? Well, if you don’t use your brain it atrophies just like a muscle. Engage you brain by reading, writing and constantly being a student to add gusto for life as well as a few more years.




And last but not least…..

Set some goals – Research shows that people that have a goal in life and strong feelings of something yet to accomplish will live longer. So use those goal sheets you’ve all written in your mind and live longer.

How long do you want to live? You have the tools to change and help that is free. It’s all about wanting to do to it. Make that change and you will be happier for it. Your family and friends will probably thank you for it too.

Good luck, best wishes and Enjoy Life!

29.12.10

Earth Energy Efficiency Tips around your Home

FRONT
Front porch light/outdoor post light - Your front porch and outdoor post lights are often your most used lights, so they provide the perfect opportunity to be energy efficient. Consider putting compact fluorescent light bulbs (CFLs) in your existing light fixtures. Installing new energy star qualified outdoor fixtures with advanced CFL technology like motion sensors and photocells can also save energy.
Energy efficient windows - Air leaks and radiant heat transfer through and around your windows can cause drafts, heat loss or gain, and higher energy bills. Thermal or double-pane windows help keep your energy bills low during weather’s extremes by providing more insulation between harsh outside weather elements and your comfortable indoor environment.
Door/window weather stripping - Air leaks through and around your home’s doors and windows can cause you discomfort and result in high energy bills. Proper weather stripping around windows and outside doors will protect your home’s thermal boundary, also called its “envelope” or “shell,” keeping you more comfortable and helping save energy year-round.
Thermal boundary - Your home's thermal boundary, also called its 'envelope' or 'shell', consists of its outer walls, ceiling, windows, doors and floors. Sealing your home's envelope reduces drafts and helps prevent moisture problems. It can save you up to 10% on your energy bill and keep you more comfortable during the hottest and coldest months of the year.
Heat pump - Heating and cooling costs make up more than 50% of your home’s total energy bill. A dependable, low maintenance heat pump is the most efficient way to keep your home comfortable year-round, and it can help you save hundreds of dollars on your yearly power bill.

LIVING ROOM
Heating and air conditioning system - More than 50% of your home’s total energy usage goes to heating and cooling. If your furnace is more than 15 years old, or your air conditioning unit is more than 12 years old, consider replacing it with a more energy efficient and properly-sized system.
Table lamp - Save energy and money by changing a standard light bulb in your home to an energy star qualified compact fluorescent bulb. Replacing a 100-watt incandescent bulb with a 32-watt CFL can save you up to $30 in energy costs over the life of the bulb.
Power strip - Even when turned off, most electronic and computer equipment use a small amount of electricity. Using a power strip as a central “turning off” point for electronics, video games and computers allows you to completely disconnect the power supply from the power source. This can save you energy and extend the life of your equipment.
Dimmer switch - Certain energy star qualified CFLs are made to work with dimmer switches. Your local hardware store may not stock a wide variety of dimmable CFLs, so if you are looking for a specific wattage or bulb type, you may want to try to purchase it online.
Programmable thermostat - Install a programmable thermostat to automatically adjust your home’s temperature settings when you’re away or sleeping, and save up to $150 a year. To save energy with a manual thermostat, set it at 78°F in the summer and 68°F in the winter, then leave it alone. Constantly adjusting the temperature causes your system to work harder.
Fireplace damper - By design, a chimney removes unwanted by-products from a fire by creating a draft. But this draft can also pull heated or air-conditioned air from your home. Always close the flue damper tightly when the fireplace is not in use to keep conditioned air in your living space where it belongs.
Home theatre system - Home electronics play an increasingly larger role in your home's energy usage and can account for up to 15% of your total electricity use. Electronic equipment that has earned the energy star can help save energy even when turned off, while maintaining features like clock displays, channel settings, and remote-control functions.

KITCHEN
Microwave oven - You can reduce cooking energy by as much as 80% when using your microwave wisely. Using your microwave or toaster oven to reheat or cook small portions can help you save on summer air conditioning costs, since less heat is generated compared to your stove or oven.
Kitchen sink - Hot water leaking from a faucet at the rate of one drip per second can waste up to 1,661 gallons of water over the course of a year. This can cost you up to $35 on your power bill. Fixing kitchen faucet drips is a cost-effective and easy way to save energy and money.
Dishwasher - If you replace your dishwasher, choose an energy star qualified model and you will save over $25 a year in energy costs. Most dishwashers today can thoroughly clean dishes that have had food scraped, rather than rinsed off, so you can save water by scraping dishes instead of rinsing them before loading the dishwasher.
Stove top range - Using the correct-sized pot on electric range stove burners can save about $36 annually. A 6-inch pot on an 8-inch burner wastes more than 40% of the burner's heat. Covering your pots and pans can also help you cook more efficiently. Your kitchen will stay cooler and more heat will stay in the pots.
Refrigerator - Replacing your older refrigerator with an energy star qualified model can save you $45 to $65 per year. If your current refrigerator was made before 1993, it uses twice as much energy as today's energy star qualified models. Using your old refrigerator for overflow storage can cost $90 or more per year to operate.
Recessed can light cfl’s - Replace all your home's recessed can lights with ENERGY STAR qualified lighting products to save energy and money. Certain energy star qualified CFLs are made to work with dimmer switches, but be sure to check the packaging for proper applications and to see if there are any restrictions on the CFL's use.
Light fixtures - Installing energy star qualified light fixtures in your kitchen or replacing standard light bulbs with compact fluorescent light bulbs (CFLs) can save you energy and money. Energy star qualified lighting fixtures are available in popular styles that may be just right for your kitchen, such as cabinet-mounted, ceiling-mounted, and recessed can models.
Range hood - energy star qualified range hoods (lighting models) use 65% less energy on average than standard range hoods. This can save you $120 in electricity costs over the life of the fan. Installing an energy star qualified kitchen range hood also helps you control moisture and remove cooking odors, and they are much quieter than standard models.

BEDROOM
Windows - Caulk and weather strip around window frames, and remember to switch screens for storm windows during the winter. If you are replacing windows, energy star qualified models designed for your area can save you $20–$95 each year in energy costs. They can also help improve your comfort, cut drafts, and reduce fading of interior furnishings.
Drapes/shades - Window shades help keep your home cool in summer and warm in winter, which helps you save energy. Close all window shades and drapes in warm weather to keep out the heat, and keep drapes open during daylight hours in the winter to take advantage of the sun's warmth.
Bedside lamp - Replacing your five most frequently used light fixtures, or the bulbs in them, with energy star qualified lights can save you more than $35 a year in energy costs. Compact fluorescent light bulbs (CFLs) provide high-quality light output, and they use 75% less energy and last up to 10 times longer than standard incandescent light bulbs.
Light switch - Turning off just one 60-watt incandescent bulb before you leave the house for the day can save about $15 per year in energy costs. Always turn off the lights when leaving a room. It's the easiest way to save energy and money.
Air vents - To maintain even temperatures throughout your home, keep air vents and registers clear of obstructions and do not close supply registers in unused areas of the home. This will allow air to flow freely throughout the room and house.
Ceiling fan with lighting - Ceiling fans provide comfort and help save money on your energy bill. Increase your thermostat's setting by two degrees and use your ceiling fan to lower energy costs by up to 14% over the course of the air conditioning season. Also, use low wattage CFLs in the ceiling fan light fixture for cooler light bulbs and more energy savings.

BACK OF THE HOUSE
Sliding door - Sliding doors are an easy place to save energy and money. Apply caulking around door frames and weather stripping around doors that do not close tightly. This can save on energy costs while improving your comfort and cutting drafts. If you replace your sliding doors, select energy star qualified doors instead of regular clear-glass double-paned doors.
Room air conditioner - Any room can be comfortable and energy efficient with an energy star qualified room air conditioner. They use at least 10% less energy than standard models. The unit should fit tightly in the window, keeping cooler air inside and hotter air outdoors. Larger window units should have a separate electrical circuit so the electric system isn’t overloaded.
Sealing plumbing - Your attic's plumbing stacks, vents and ductwork, and electrical wires often have gaps around them, allowing the conditioned air in your home to escape into the attic. This can cause air drafts and increase your energy bill. Use caulk and spray foam sealant to cover gaps, cracks and holes.

From : Mother Nature Network

3.10.10

28 Ways To Save On Food

There are lots of ways to save on food. Some will be appetizing to you, some won’t. But there are few things in life tastier than paying off debt and achieving your monetary objectives. Stacy Johnson from MoneyTalksNews.com shares his tips for saving dough at the supermarket.

1. Cook from scratch: Making meals from scratch is probably the single best way to save on food. Because the more prepared the food, the more it costs. Ironically, less expensive home-made is also normally better for you as well.

2. Generics: Sometimes generics aren’t as good as name brands. In those situations one might choose name brands. But for things like flour, sugar, salt, bleach or virtually dozens of other items you find in the grocery store, the only discernible difference is price. Paying more for an identical product is more than extravagant; it’s stupid.

Plus: 15 Foods You Should Never Buy Again

3. Lists: Writing down what you came for and ignore everything that's not on your list. This will save you money. It will also save time and fuel expense by preventing repeat trips to the store for things you forgot.

4. Stoop and bend: Smart merchants place the most profitable items at eye level and on end-caps. Stoop, bend and look around for the best values.

5. Coupons: For decades, coupons have been a shoppers best friend. These days online coupons have made them easier to find and use. If you haven’t used a coupon search engine yet, do so. It’s a new routine. Internet first, then store.

6. Warehouse stores: The savings you can find at warehouse stores are well-documented. Here’s a story we did on the five best deals.

7. Salvage grocery stores: these are harder to find, but if you happen to live near one, the savings are huge: up to 50%. Here’s a story we did on salvage stores and here’s a list of them by state.

8. Don’t shop hungry: It makes you buy more.

Plus: 13 Things Your Grocer Won't Tell You

9. Shop alone: Kids, and spouses who act like kids, will often whine, cajole, or otherwise try to influence you into impulse buys. Leave ‘em at home.

10. Always overcook: then freeze. That saves the time you need to be able to cook from scratch.

11. Substitute cheaper ingredients: for more expensive ones.

12. Weigh pre-weighed produce: Use the handy scales in the produce department to weigh pre-weighed bags. For example, if you’re buying a 10-pound bag of potatoes, weigh them. Some will be 9 and a half pounds, but some might be 10 and a half for the same price.

13. Repackage: Put small quantities of leftover sour cream or other perishables in smaller containers; they’ll last longer. Cookies, crackers, and the like will also last longer if stored in glass jars.

Plus: The Beginner's Guide to Being Cheap

14. Grate savings: You pay more to have someone else grate your cheese for you. You’ll also save by cutting up whole chickens, slicing your own pickles, slicing meat for cold cuts, and using a blender or rolling pin to make your own bread crumbs.

15. Save on starch: Fancy boil-in-bag or flavored rices routinely cost 10 times the amount of the old-fashioned kind. All it takes to make rice is the ability to boil water! Bags of smaller potatoes are often half the cost per pound of big baking potatoes. Bake two little ones instead of one big one. Your stomach won’t notice.

16. Save on protein: The simple proteins found in beans are better for you and obviously much cheaper than the complex ones in meat, fish and poultry. In other words, eat less meat!

17. Milk your budget: Milk about to expire? Freeze it. You can thaw it out and use it later. Same with things that might be rotting in your vegetable drawer: onions, parsley, tomatoes, garlic. Not only will freezing keep it from rotting, it will keep it from stinking.

Plus: 13 Ways to Get a Healthy Dinner on the Table Quickly

18. Butter up the cheese: Lightly buttering the edge of semi-hard cheese makes it less likely to form mold or dry out.

19. Extend yourself: Adding cottage cheese to hamburger will enhance the flavor, add protein, and allow you to increase servings from four to six per pound.

20. New life for old bread: Leftover bread and rolls can be toasted in a toaster oven and chopped up into croutons.

21. Alter your recipes: Nobody will sue you if you alter your recipes a little. You can substitute cheaper veggies (sliced carrots) for more expensive ones (zucchini). You can also probably reduce the cheese or sugar in your baking slightly, without noticeably altering the taste. Keep in mind that recipes will often “round up” ingredients to make them easier to measure. When you read a recipe, look for ingredients that might just be included to enhance the color instead of taste, and try eliminating them. There are ways of stretching just about everything. Make your cookies and muffins a bit smaller and make more of them. Add a little more water to your concentrated juice. Add extra potatoes, beans, etc. to stretch casseroles and soups.

Plus: How To Read a Food Label

22. Make your own salad dressing: Mix 1/2 cup of vinegar, 1 1/2 teaspoons of salt, 1/4 teaspoon of pepper, 1/2 teaspoon of dry mustard, 1 minced garlic clove and 1 cup of salad oil. Voila! Delicious salad dressing at a fraction of the cost.

23. Grow your own! Next time you buy fresh garlic, save the four inner cloves. Plant them about 1/2 inch deep. In less than six months, you’ll be in garlic city! There are many other herbs and vegetables that you can grow yourself, so check ‘em out.

24. Don’t buy water. Ever. The fact that people pay for water is further proof that enough advertising can make people do just about anything. If you really have concerns about water quality, buy a cheap water filter and fill your own bottles.

25. Be a migrant worker: If you live near an area that grows fruit, vegetables or produce, go to a pick-it-yourself farm for bargain prices, fresh air, and a reminder of why you work in town.

Plus: 13 Ways to Get a Healthy Dinner on the Table Quickly

26. Creative leftovers: Nearly every meal ends up with a few odds and ends that aren’t eaten. Keep two lidded plastic containers in your freezer. After every meal, put veggie bits in one and meat bits in another. You can then periodically sprinkle the bits of meat on your pizzas, or combine the two and make a great soup!

27. Keep lettuce longer: Wash your lettuce thoroughly, then go outside and swing it around in a pillowcase to get rid of the excess water (and to amuse your neighbors). When you’re done, put it in an airtight container and it will last at least two weeks in your refrigerator. Someone suggested this = You can wash the lettuce leaves, lay them on a clean white muslin towel or pillow case, then roll the whole thing up like a jelly roll. The material will be wet but the lettuce will keep up to 2 weeks. Truly--I tried it. I keep a large container in the freezer and when I have left over cooked veggies I throw them in the container on top of whatever other veggies have come before. When the container is full--I make soup!

28. Remember, you are what you eat. Which would you rather be: an apple or a candy bar? One of the best things about saving on food is that what’s cheaper is often the same as what’s better for you. Apples cost less than candy, are more filling, and are much better for you. Water is not only healthier than soda, it’s nearly free (from the tap). Legumes are a cheaper source of protein than meat, and better for you as well.

You can save money by drinking water. Avoid soda and juice. They are both loaded with sugar. It's OK to buy flavored water mix such as Crystal Light - cheaper and almost no calories and no sugar.

30.8.10

One Case Scenario between Realty Tax (Amilyar) and Cert of Registration

Here is a newbie, named Lisa, who has her story to tell. She bought a property, house and lot (second owner) directly from the seller (the previous owner of said property) and she hired a broker to do the whole process of registration and transfer of title. And the final output/deliverables of the broker is she was given the original copy of owner's duplicate copy of title (which is under her name now) and the original copy of tax declaration. Are these all the documents needed from the broker?

Pag nagbayad na ako ng amilyar next tax season, anong mga documents ang kailangan kong i-present para magbayad ng real estate tax dun sa na-acquire kong house & lot na for the first time under na sa pangalan ko? Kailangan ko pa bang i-present yung mga documents na na-produce ng broker ko (original copy of owner's duplicate copy of title at original copy of tax declaration) at yung mga previous tax receipts ng dating may ari?

Shela: you only need to present a photocopy of the official receipt of the realty tax paid from the previous year. You can also bring a photocopy of your tax declaration. Sometimes just the tax declaration number will do.

Sally interfered: How about BIR clearance? Normally, there is a capital gains tax (to be paid by seller) para ma transfer sa name ng buyer ang titulo. Mas maganda may copy ka nito kasi baka magkaproblema ka later on sa BIR.

Lisa: Salamat din Sally sa response. Pero di ba, the fact na may title na ang buyer sa pangalan nya at may bagong tax declaration, wala nang issue ang tax clearance? Di ba yung BIR/tax clearance naman ang isa sa mga dokumento na kailangan para ma-continue ang registration process at transfer ng title sa pangalan ng buyer? The fact na tapos na yung buong proseso, kakailanganin pa ba yun?

Sally replied: May kaibigan kasi ako ganyan naging problema kasi the transaction was done this way - sa RD (Register of Deeds) bago ilipat ang title, required ang BIR clearance. Meron naman kaso fake pala. That time di alam na fake kaya nalipat ang title sa new buyer.

Suddenly the new buyer decided to sell again the property. This time, nang kukuha siya ng BIR clearance, hinabol siya ng BIR sa unang transaction (kasi nga fake yung una kaya walang record sa BIR ng payment). So, ngayon malaking problema na kasi hindi niya mabenta nang maayos ang property sa bagong buyer hanggat hindi naayos ang taxes. maraming milagro dito sa atin. Ang kawawa lagi yung owner (old or new).

Lisa: Ibig sabihin, kahit nagbabayad na ng amilyar ang new owner ng isang property, hindi pa rin natre-trace ng BIR o ng assesor sa munisipyo na fake o may problema ang tax clearance nung i-transfer ang title sa new owner para naman pwede nilang masingil agad at nang hindi na umabot pa kung kailan ibebenta ulit ng new owner ang property? Wala bang nangyayaring checking ng tax records taun-taon? Paano kung hindi naman ibenta yung property. Ibig sabihin, pwede makalusot ang fake tax clearance lalo pa't yung title ay nasa pangalan na ng bagong owner?

Shela: This two women misunderstood each other.

While Lisa was referring to the real property tax certification sometime refers to tax payment clearance certificate. This is the certification you get from the municipal or city treasurer’s office to serve as a proof for tax payment up to the date of which it was issued. You only need this when buying or selling a property & it's not a prerequisite when paying for the real property tax (amilyar)
On the other hand, Sally was referring to the CAR, Certification Authorizing Registration or BIR form 1952 if I am not mistaken. This Certificate will be issued by the BIR when payment for the capital gains tax and document stamp are paid. This is done when a sale has been completed. It's a requirement when transferring TCT of a property.

He is right however that a CAR issued by BIR can be a fake especially those processed by fixers. To prevent future headaches & unnecessary expenses you can have your CAR verified from the issuing BIR office.

A fake or undervalued CAR can incur charges and penalties which will be compounded monthly from the date for which it was suppose to be paid.
My best advice is ensure that every document you received be verified/authenticated by the issuing office/agency.

25.8.10

Healthy Habits to Live 100

I am reposting this article from a magazine I came across recently to constantly remind my husband that aging is not determine mostly by our genes. Well my dear, let me say to you again - the biggest factor that determines how well you age is not your genes but how well you live. Not convinced? A new study published in the British Medical Journal of 20,000 British folks shows that you can cut your risk of having a stroke in half by doing the following four things: being active for 30 minutes a day, eating five daily servings of fruit and vegetables, and avoiding cigarettes and excess alcohol.

While those are some of the obvious steps you can take to age well, researchers have discovered that centenarians tend to share certain traits in how they eat, move about, and deal with stress—the sorts of things we can emulate to improve our own aging process. Of course, getting to age 100 is enormously more likely if your parents did. Still, Thomas Perls, who studies the century-plus set at Boston University School of Medicine, believes that assuming you've sidestepped genes for truly fatal diseases like Huntington's, "there's nothing stopping you from living independently well into your 90s." Heck, if your parents and grandparents were heavy smokers, they might have died prematurely without ever reaching their true potential lifespan, so go ahead and shoot for those triple digits. Follow these 10 habits, and check out Perls' lifetime risk calculator to see how long you can expect to live.

1. Don't retire. "Evidence shows that in societies where people stop working abruptly, the incidence of obesity and chronic disease skyrockets after retirement," says Luigi Ferrucci, director of the Baltimore Longitudinal Study of Aging. The Chianti region of Italy, which has a high percentage of centenarians, has a different take on leisure time. "After people retire from their jobs, they spend most of the day working on their little farm, cultivating grapes or vegetables," he says. "They're never really inactive." Farming isn't for you? Volunteer as a docent at your local art museum or join the Experience Corps, a program offered in 19 cities that places senior volunteers in urban public elementary schools for about 15 hours a week. One thing I observed from husband since he retired from the military, his posture had dramatically change, had soft body with a big belly.

2. Floss every day. That may help keep your arteries healthy. A 2008 New York University study showed that daily flossing reduced the amount of gum-disease-causing bacteria in the mouth. This bacteria is thought to enter the bloodstream and trigger inflammation in the arteries, a major risk factor for heart disease. Other research has shown that those who have high amounts of bacteria in their mouth are more likely to have thickening in their arteries, another sign of heart disease. "I really do think people should floss twice a day to get the biggest life expectancy benefits," stresses Perls.

3. Move around. "Exercise is the only real fountain of youth that exists," says Jay Olshansky, a professor of medicine and aging researcher at the University of Illinois at Chicago. "It's like the oil and lube job for your car. You don't have to do it, but your car will definitely run better." Study after study has documented the benefits of exercise to improve your mood, mental acuity, balance, muscle mass, and bones. "And the benefits kick in immediately after your first workout," Olshansky adds. Don't worry if you're not a gym rat. Those who see the biggest payoffs are the ones who go from doing nothing to simply walking around the neighborhood or local mall for about 30 minutes a day. Building muscle with resistance training is also ideal, but yoga classes can give you similar strength-training effects if you're not into weight lifting.

4. Eat a fiber-rich cereal for breakfast. Getting a serving of whole-grains, especially in the morning, appears to help older folks maintain stable blood sugar levels throughout the day, according to a recent study conducted by Ferrucci and his colleagues. "Those who do this have a lower incidence of diabetes, a known accelerator of aging," he says

5. Get at least six hours of shut-eye. Instead of skimping on sleep to add more hours to your day, get more to add years to your life. "Sleep is one of the most important functions that our body uses to regulate and heal cells," says Ferrucci. "We've calculated that the minimum amount of sleep that older people need to get those healing REM phases is about six hours." Those who reach the century mark make sleep a top priority.

6. Consume whole foods, not supplements. Strong evidence suggests that people who have high blood levels of certain nutrients—selenium, beta-carotene, vitamins C and E—age much better and have a slower rate of cognitive decline. Unfortunately, there's no evidence that taking pills with these nutrients provides those antiaging benefits. "There are more than 200 different carotenoids and 200 different flavonoids in a single tomato," points out Ferrucci, "and these chemicals can all have complex interactions that foster health beyond the single nutrients we know about like lycopene or vitamin C." Avoid nutrient-lacking white foods (breads, flour, sugar) and go for all those colorful fruits and vegetables and dark whole-grain breads and cereals with their host of hidden nutrients.

7. Be less neurotic. It may work for Woody Allen, who infuses his worries with a healthy dose of humor, but the rest of us neurotics may want to find a new way to deal with stress. "We have a new study coming out that shows that centenarians tend not to internalize things or dwell on their troubles," says Perls. "They are great at rolling with the punches." If this inborn trait is hard to overcome, find better ways to manage when you're stressed: Yoga, exercise, meditation, tai chi, or just deep breathing for a few moments are all good. Ruminating, eating chips in front of the TV, binge drinking? Bad, very bad.

8. Live like a Seventh Day Adventist . Americans who define themselves as Seventh Day Adventists have an average life expectancy of 89, about a decade longer than the average American. One of the basic tenets of the religion is that it's important to cherish the body that's on loan from God, which means no smoking, alcohol abuse, or overindulging in sweets. Followers typically stick to a vegetarian diet based on fruits, vegetables, beans, and nuts, and get plenty of exercise. They're also very focused on family and community.

9. Be a creature of habit. Centenarians tend to live by strict routines, says Olshansky, eating the same kind of diet and doing the same kinds of activities their whole lives. Going to bed and waking up at the same time each day is another good habit to keep your body in the steady equilibrium that can be easily disrupted as you get on in years. "Your physiology becomes frailer when you get older," explains Ferrucci, "and it's harder for your body to bounce back if you, say, miss a few hours of sleep one night or drink too much alcohol." This can weaken immune defenses, leaving you more susceptible to circulating flu viruses or bacterial infections.

10. Stay connected. Having regular social contacts with friends and loved ones is key to avoiding depression, which can lead to premature death, something that's particularly prevalent in elderly widows and widowers. Some psychologists even think that one of the biggest benefits elderly folks get from exercise the strong social interactions that come from walking with a buddy or taking a group exercise class. Having a daily connection with a close friend or family member gives older folks the added benefit of having someone watch their back. "They'll tell you if they think your memory is going or if you seem more withdrawn," says Perls, "and they might push you to see a doctor before you recognize that you need to see one yourself."

excerpt from: usnews.com