As we age, our skin loses its radiance and youthful appearance, gradually becoming thinner, dehydrated and less firm. At the same time, the natural ageing process drives changes to the underlying bone structure of the face, which can lead to a lack of definition in facial contours, such as our cheeks3. But the visible changes to our skin are not caused by time alone – lifestyle factors can often worsen our skin’s condition and even accelerate the ageing process.
Although getting some sun is important for sufficient vitamin D, years of sun exposure or tanning can have a dramatic effect on the appearance of your skin1,12. Drinks containing caffeine or alcohol can have a dehydrating effect, so consume these in moderation.
The visible changes caused by skin ageing, such as lines, wrinkles and volume loss, can be treated in different ways.
These treatments work by injecting naturally occurring HA into the skin to replace levels lost to the natural ageing process.
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One retirement study after another trumpets the boomers’ lack of saving for retirement and their need to work longer than previous generations. If they’re right — and I have some qualms about the precise dollar estimate, which I’ll explain shortly — this will make boomers the greatest giving generation in U.S. When you’re 60 or 70, you think more deeply than when you’re younger about what matters to you and the impact you want to have. To arrive at that $8 trillion figure, Merrill Lynch extrapolated into the future from current charitable giving and volunteering rates, using projections from Boston College.
I’m skeptical of Merrill Lynch’s donation projection figures because I’m not convinced that retiring boomers in the next two decades — many with paltry savings and without pensions (unlike retirees of the past 20 years) and some facing steep health- and long-term care costs — will be flush enough to be so generous. How many retired boomers will volunteer and how much time they’ll give, I think, are also open questions, since no one knows how healthy they’ll be nor their proclivity to spend some of their free time lending a hand.
Regardless of the exact numbers, though, I think the researchers are on solid ground about the potential for retired boomers to be extraordinarily kind for many years.
One reason: 65 percent of retirees surveyed by Merrill Lynch felt that retirement is the best time in life to give back. In the survey, 80 percent of people 65 and older said they give to charity, compared with 62 percent of those 35 to 44.
A smaller percentage of people 65 and over volunteer compared with those aged 35 to 44 (24 percent vs.
The report also showed that boomers think they give more thoughtfully than their parents’ generation. Nearly half of boomers surveyed (49 percent) said their generation is more likely to seek to understand how a charity uses its money before donating than their parents’ generation; only 9 percent thought the reverse was true.
And boomers — true to their reputation — want to have more of a say when they make their contributions: 44 percent of boomers think their generation is more likely to prefer to specify how charitable donations are used. Boomers also felt their parents’ generation was more likely to want to give to larger charitable organizations and more trusting of charities: 44 percent said their parents’ generation believe charities spend donations in the best possible way, but only 19 percent of boomers think their own generation believes they do. A sizable 81 percent of the retired women said they donate to charity, while 71 percent of retired men do.
Married women are more likely than their husbands to be in charge of the couples’ volunteering decisions.
Getting a tax deduction isn’t a big motivating factor for their charitable giving or volunteering.
Merrill Lynch recommends looking for ways to deeply engage with a charitable organization you have passion for, and combine contributions of your money and time for the greatest impact and fulfillment. But one caution: Don’t be so generous with your money that you endanger your retirement in the process.


Money & SecurityHow to Recognize Charity FraudScam artists use solicitation techniques to trick their prey.
Mary Kubica is a Chicago based writer who hit the New York Times best-sellers list with her compelling debut novel, The Good Girl. MK: I'm drawn to lonely people, often times those on the periphery of society who have been overlooked, abandoned or abused. MK: My all time favorite book is The Things They Carried by Tim O'Brien, though I'm a big fan of Maggie O'Farrell, Anita Shreve, Ann Hood and so many more. MK: The narrators in Don't You Cry are younger than my norm - twenty-three year old Quinn and eighteen-year-old Alex.
This is partly because the production of the molecule that provides hydration and structure to our skin, hyaluronic acid or HA, slows down with time2.
A balanced diet supports the revival of your skin cells, by providing the vitamins and minerals the body needs to help keep it looking youthful and healthy1,14.
The Restylane portfolio includes products that restore a youthful appearance by replacing volume loss and improving definition and reducing the appearance of fine lines and wrinkles, as well as products that improve the skin’s condition by providing hydration. In this photo series, one twin has been treated with Restylane fillers, Restylane Skinboosters™, or both, and the other with nothing. This website is intended to inform and educate visitors on skin, skin ageing and skin ageing treatments. A fascinating new study from Merrill Lynch and the Age Wave research firm (Giving in Retirement: America’s Longevity Bonus) predicts that boomer retirees potentially will give the equivalent of $8 trillion through charitable donations and volunteering over the next two decades. It’s based on the estimate by the nonprofit coalition Independent Sector that one hour of volunteering has a value of about $23.
Most (84 percent) said an important reason is that they have greater skills and talents than when they were younger. And 29 percent of retired women volunteer to charitable causes, slightly more than the 22 percent of men.
Among the married retirees surveyed, 34 percent of wives take the lead; only 22 percent of husbands do. Only about half of married retirees said they discuss with each other how much money to give to charities or the best giving strategies.
Roughly 40 percent of retirees surveyed said they’re concerned about the trustworthiness of charitable organizations and that there are too many charity options to choose from. In fact, only 16 percent of retirees called the write-off their greatest motivation, which surprised Sabbia. The Merrill Lynch report advised: When “giving while living,” carefully balance your giving objectives with your own retirement financial security. Kubica's tales are psychological thrillers centered in the Midwest, which often revolve around interactions between the ordinary and extraordinary. Did you always know that you wanted to write or was the process something more organic, where the characters spoke to you and you followed their lead?
I begin my novels with a small seed of an idea, and then watch it grow page by page and chapter by chapter. Yours are so multi-faceted and layered and it seems that all of your novels have intense psychological underpinnings on top of the complex plot lines.
I love all genres, but historical fiction is typically my go-to when I'm not reading suspense.
As a parent I've struggled, always trying to be the best mother I can be and yet feeling at times like my efforts fall short.
There are certainly family dynamics in the novel, but much of it is about two young adults trying to find their way into the real world and discover who they are. The longevity bonus is the demographers’ term for the population’s increased life expectancy.


For its report, Merrill Lynch surveyed 3,694 Americans 25 and older, including 2,140 boomers. But the 65+’ers who do volunteer give more than twice as much time as people 35 to 44: 133 hours per year, on average, for people 65+ compared to 58 hours. By contrast, “making a difference in the lives of others” was five times more important; 81 percent called it their top motivation. Wherein a stable character encounters an unstable character and via their interactions, we learn just how fragile the veil of stability truly is. Though each of my novels is partially set in Chicago, there is some other Midwestern component to them, such as rural Minnesota, Nebraska, or Michigan's Harbor Country. Though I don't make a conscious effort to make my novels dark it seems to be where I naturally go. What interests me the most are the emotions and the burdens we carry on the inside that often aren't evident from the outside. Parenthood is no easy task, and society these days is quick to judge our shortcomings as parents.
The book, like its predecessors, is a character-driven thriller that will appeal to those who enjoyed The Good Girl and Pretty Baby, but I'd venture a guess and say that Don't You Cry will appeal to a young adult audience as well. Her novels feature women who teeter on the edge of having it together until Kubica reminds us just how easy it is to fall. I feel utter familiarity in these areas and well versed in the culture, dialect and experiences of their people. I love delving into my characters' inner psyches and discovering what makes them the people they are. Or, put another way, given the number and overall wealth of boomers, they may be crowdsourcing to the wrong crowd. They're also such wonderfully multifaceted areas that I can set many novels in Chicago, for example, and explore a different part of the city in each to keep them from feeling redundant. The crash is ruled an accident until the coming days when the little girl starts having nightmares about another car following and pushing them from the road. That said, I like to challenge myself as well, and would have to imagine that some future novel of mine will take a step outside of the Midwest so I can explore and learn more about some place new (Seattle, perhaps?). A  I learned something from every man I met or exchanged emails with, and Lou taught me a few words in Spanish.A  Ole! We can take a little walk, maybe get our feet wet, and then lie on a blanket and listen to the waves. I do the same thing myself, when the mood strikes.A  And how about this for being an "in tune with women" kinda guy?A  A few days after I had ordered myself 2 new green dresses and several in black to add to my collection from a mail order company named Newport News, he sent an email asking:A  "So, what are you wearing right now? A  For Christ Sake!!A  How about saving the Taxpayers a buck?A  In addition to that $6 million you've already blown by hovering and covering me, and scheduling a proper Face to Base meeting in your office; at my convenience? Dramatic, but no drama.A  Short black skirt, or long black dress?A  Heels or boots?A  Camo, or commando? Until then, as in the end,there is much more to come.A A A  Once Upon a Time, a little mushroom popped through the moss covered ground of the Southeast Alaska Rainforest. Grant, Attorney at Law, Juneau, AK From Wedding Bells to Tales to Tell: The Affidavit of Eric William Swanson, my former spouse AFFIDAVIT OF SHANNON MARIE MCCORMICK, My Former Best Friend THE AFFIDAVIT OF VALERIE BRITTINA ROSE, My daughter, aged 21 THE BEAGLE BRAYS! HELL'S BELLS: THE TELLS OF THE ELVES RING LOUD AND CLEAR IDENTITY THEFT, MISINFORMATION, AND THE GETTING THE INFAMOUS RUNAROUND Double Entendre and DoubleSpeak, Innuendos and Intimidation, Coercion v Common Sense, Komply (with a K) v Knowledge = DDIICCKK; Who's Gunna Call it a Draw?



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