AARP

AARP Finance - Well Black Friday seemed to start of the sales season with a bang, however many people including AARP members were sticking to using lists of items they were searching for rather than impulse buying.

The stock markets around the world are on an upward trend and its a question on how long the trend will continue.

Many AARP member have seen 35% falls in the value of their 401(k) plans but it will be some time before these losses are made up. If your plans are showing heavier losses than this then you need to consider alternative investment strategies to bring in more money.

During times of recession many AARP members look for alternative ways to bring in more money, such as starting a home business or taking on part time jobs, however with increasing job loses the home business idea has a better chance of success.

David Ogden - Tomorrows Home Business
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TriVita Health and Wellness

AARP

AARP Finance - Black Friday might offer the biggest savings yet as retailers slash prices to capture sales at any price, however this could be their downfall. In the UK two popular retailers Woolworth and MFI are in trouble.

There is better news for AARP members as banks around the world are beginning to show signs of recovery after receiving government aid packages and becoming partly nationalised.

Stock markets are closed in the USA as AARP members celebrate Thanksgiving but around the world stocks are holding firm/

David Ogden http://igetgoingtoday.vom/
-Tomorrows Home Business
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AARP Finance

AARP Finance - A recent AARP article suggested that prudent investors should have around 6 months worth of living expenses in cash or short term savings in order to cover unforeseen event, which seems a good idea. Depending on your income this could be a sizable amount, so you need to take care that at least two thirds of your assets are earning money for growth.

At the moment AARP members have a difficult choice to make as interest rates are low and many are wary of purchasing stock. so what alternatives are there. Some ARRP members are taking the future into their own hands and building income by starting a home business, this can however prove to be expensive, when one looks at advertising costs and the like and also they need to sell products or services which people can still afford.

One of the major concerns of AARP members is health and this industry continues to grow - Walgreen (NYSE: WAG) reported a 2% increase in same store sales for October in its 7000 plus stores. Walgreen is ranked third of the big three pharmacy chains. During the September/October period, Walgreen stock plummeted more than $10/ share, but has been relatively even-keeled since then, mostly trading in the $22-$25/ share range. Walgreen offers a dividend yield of 1.9% at its current price.

David Ogden - Tomorrows Home Business
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AARP

AARP Finance - Will Thanksgiving mark the turning point of the market.

Traditional stocks and share have always risen either during the week either side of Thanksgiving day, the question of AARP members lips is will this mark the start of a revival.

Citibank group is struggling to survive and may be up for sale. The automobile industry is struggling even with the price of oil falling and many jobs in associated businesses continue to be at risk.

AARP members need to take stock of the situation and those that have savings are seeing lower returns due to the fall in interest rates which are now hardly matching inflation. It is better at the moment to use some savings to pay off credit and loan account which have high rates of interest rather than keep the money in the bank.

Fannie May and Freddie Mac have both announced an armistice on foreclosures during the holiday period until January. "With this suspension, seriously delinquent borrowers may have an opportunity to avoid foreclosure and work out terms to stay in their homes," said Federal Housing Finance Agency director James B. Lockhart III, the regulator in charge of Fannie Mae and Freddie Mac. This will provide a little bit of cheer for a few AARP members.

David Ogden - Tomorrows Home Business
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AARP

AARP Finance - "There are Americans showing up to work in the morning, only to have cleared out their desks by the afternoon. Retirees are watching their life savings disappear, and students are seeing their college dreams deferred. These Americans need help, and they need it now." President-elect Barack Obama said Saturday offered an outline of his economic recovery plan and jobs were the top priority.

The question on many AARP members is will it be too little too late. details of the plan are nor know but will include rebuilding infrastructure such as roads and bridges and building alternative energy resources for when oil prices rise again.

Like the financial market it will take time for the results to filter into the economy and in the meantime GM will probably go bankrupt at the the end of the year. Supporting British Leyland during the last financial crisis cost the UK taxpayers $900 million and still the company failed. so perhaps the big three in in the USA should be left to their own devices. One has to wait an see how this issue will affect AARP members.

David Ogden - Tomorrows Home Business
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TriVita Health and Wellness

AARP

AARP Finance - There is some slightly good news on the horizon as stock markets in Asia rise but it is a question if USA will once again bounce back.

The Rescue package for the automobile industry is on hold until early next year. Many AARP members are questioning the need to support private businesses that have been mismanaged. yes jobs will be lost, but why should inefficient businesses be allowed to continue at a cost to the tax payer.

A country can only do so much to support its industry unless you follow the communist model of controlling a country, and look how that fared. The USA is the land of the free so it is up to every person to make the best of it. Rather than become a nation living on handouts. There is a need to resolve one own problems.

There are still opportunities to earn money by working for ones self, take a leaf out of what wealthy people do, buy into an existing successful business and work at building a steady income stream for the future.

Avoid at all cost get rich quick scams and settle on building a business for the long term.

David Ogden - Tomorrows Home Business
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TriVita Health and Wellness

Trivita International

Become a TriVita International Business Owner with the Most Powerful Business Model on Google Today!

TriVita health and wellness business at present operates in the USA and Canada, however the business opportunity is available Internationally by setting up your own LLC and bank account in the USA.

TriVita Inc was formed some 9 years ago by Michael Ellison as a direct selling company producing health and wellness products. TriVita's flagship product is TriVita Sublingual B-12 B6 and Folic Acid.

TriVita is different to many other business opportunities because it handles all the advertising, including prime time TV, newspapers and mailing. TriVita also sends out catalogues and a monthly magazine to all its customers.

Because TriVita handles all the marketing,sales and deliveries, it saves you money.

TriVita Business Associates and Affiliates can share in TriVita's unique Media Acquisition Program (MAP) and purchase existing customers from TriVita to earn ongoing commission.

Not only can you earn money every time your customers purchase but TriVita continue to market to them as well.

I have personally never seen a business like this in ten years of working online. Initially you could only become a partner of the business if you lived in the USA and Canada, however now TriVita accept International members who set up a Limited Liability Company(LLC) in the USA. If you need help with this please contact me.

TriVita - Tomorrows Home Business

Click Here to sign Up Today

David Ogden
Phone 1-386-308-1956
Skype Seadogs11 http://trivita.com/13142173
http://trivita.net/13142173
TriVita Health
I Get Going Today

AARP

AARP Finance - Is America able to climb out of recession? Stocks have fallen to their lowest level in recent years and companies supporting the automotive Industry are in a dire position with the three largest car manufacturers depending on government money to bail them out.

Members of AARP will be pleased to learn that the price of oil continues to fall, however this does not bode well for the future as exploration and development cost remain hire and in fact many oil companies have put future field on hold as they will no recover their costs.

Alternative energy programs are also being put on hold as oil is once again relatively cheap so there is no rush to come up with energy saving projects.

There is talk of a major realignment of financial power with developing nations seeking to have a better say in World financial matters.

Uncertain times can often be good for AARP entrepreneurs who have a wish to protect themselves from the vagaries of the financial markets by starting their own business.

David Ogden - Tomorrows Home Business
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TriVita Health and Wellness

AARP

AARP Finance - Many retirees and those nearing retirement are reusing the day when they placed a large amount of their portfolio in Stock rather than bonds as stock shows little upward movement

the much touted $700 Billion rescue plan has not even scraped the surface in resolving the financial situation as jobs continue to be lost and houses repossessed. Some AARP members have resorted to selling their houses in order to provide extra cash, but the question facing them is what to do with the cash lave it in the bank or else find a way of making money work for them.

Some resourceful members of AARP have started their own business to build additional income stream for retirement. but there are risks and one needs to exercise due diligence in order not to waste hard earned money.

One business to consider is Tomorrows Home Based Business

David Ogden http://igetgoingtoday.vom/
-Tomorrows Home Business
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Skype: seadogs11

AARP

AARP Finance - This week has started as last week ended, with more countries officially in recession, this time its Japan the second largest economy. Stock markets continue to slide around the world.

The G8 meeting in Washington agreed that more government spending will be required on a global basis to kick start the economy, but there will be a high price to pay in the future.

Closer to Home Citybank are predicting further job loses of around 50,000 on top of the 23,000 laid off in the last year, as its attempts to get its house in order.

The Gloomy news for AARP members is expected to continue for some time and is not good with winter approaching, which normally results in increased costs. Hopefully fuel costs will not rise again as at the moment production of oil is outreaching demand, but that could all change with a cold winter snap.

If AARP members are facing being laid off they may be able to negotiate with their employer, to reduce their hours by working part time or working from home on a contract basis.

New jobs are harder to come by for older AARP members and they need to perhaps think outside the box and follow up with different ideas for bringing money from another source.

David Ogden - Tomorrows Home Business
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TriVita Health and Wellness

AARP

AARP Finance - Is it worth borrowing money from your 401(k) fund. Generally you need to keep the money in the plan until you reach age 59 ½. Withdraw any of it before then and you'll be hit with a bruising 10% early withdrawal penalty, on top of the regular income tax that is due on withdrawals from contribution plans.

There are exceptions that AARP members might consider. The IRS waives the 10% penalty for certain "hardship" withdrawals. Each plan's rules vary (check yours to be sure), but you may be able take money out of your retirement account penalty-free before age 59 ½ if you use it for:

• Purchasing your first home Expenses
• After the onset of a sudden disability
• Higher education expenses (like college for your kids)
• Payments you make to prevent eviction or foreclosure.Don't count on it, though

This money is locked up until retirement for a very good reason: If AARP members spend it now, they risk jeopardizing their financial security when you're older.

If AARP members can't get the money anywhere else, their best option is probably a loan. Many defined contribution plans allow AARP members to borrow against the amount in your account. You must repay the money to your account within a set period - usually a few years - or the loan is treated as a withdrawal, meaning you'll owe taxes and a 10% penalty on it.

There are three main drawbacks for AARP members to consider when taking out a loan. First, it reduces the money they have growing for their retirement years. Second, they have to pay interest on the amount they borrow - typically the prime rate plus one percentage point - though they do pay the interest to themselves. Third, AARP members must repay any outstanding loan within a few months if you are laid off or decide to change jobs.

David Ogden - Tomorrows Home Business
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AARP

AARP Finance - The USA economy is in chaos as more and more workers are being laid off, unemployment will probably rise to 8%. so what does this all mean to AARP members who are seeking way of earning extra money to cover their living costs. >AARP members will find it very difficult to get part time or full time jobs as completion for work will increase. Labour Department data showed that the number of people requiring unemployment benefits for more than a week is also increasing, meaning that it is taking workers longer to find new employment. The figure jumped 65,000 to 3,897,000 for the week that ended Nov. 1. That is a 25-year high.

AARP 401(k) and other retirement funds will take some 5 years to provide get back to the level of return achieved before the crisis began.

AARP news from around the world shows that Germany is now officially in recession and oil is hovering around the $60 per barrel level as global oil demand is expected to fall.

My Advice to AARP members is to take your future in your own hands and join an established work at home business to supplement your own, do not join a newly launched business because that will incur high start up cost.

David Ogden - Tomorrows Home Business
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AARP

AARP Finance Starting DEC. 15, Fannie Mae and Freddie Mac, the mortgage finance giants now controlled by the federal government, will modify loans for borrowers who have missed three or more payments, own and occupy the home as a primary residence and have not yet filed for bankruptcy. More than a quarter of all delinquencies affect homeowners over the age of 50, according to AARP research.

Certainly AARP members in the USA are better off than their counterparts in the UK, where banks are now seeking to foreclose on loans where two payments have been missed and due to a recent high court ruling, using a little know law they can repossess property without going to court, so AARP members should beware.

Members of AARP who have subprime loans where the value of the loan exceeds the value of property will not got any help. The reason the US government stepped in to support banks such as Freddie May and Freddie Mac was due to their mismanagement of loans which started the ball rolling in the first place, so it is ironic that AARP member in severe financial difficulties are not being helped.

On a side note banks and credit card suppliers in the the UK are increasing their rates despite a recent drop in Base Lending rates and some have been slow to reduce their mortgage rates.

David Ogden - Tomorrows Home Business
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AARP

AARP Finance - NEW YORK (CNNMoney) -- The Bush administration on Tuesday unveiled a new program to modify mortgages and stabilize the battered real estate market, but the plan stops short of providing direct government financial help to at-risk homeowners.

The plan centres on Fannie Mae and Freddie Mac, which between them own or back about 31 million mortgages worth a combined $5 trillion and were the root cause of the financial situation. The federal government took over the firms in September due to mounting losses on their portfolios of mortgages.

Eligibility is determined by several factors: AARP Homeowners must be 90 days or more late in their mortgage payments, owe at least 90% of their home's current value, live in the home on which the mortgage was taken and have not filed for bankruptcy.

AARP mortgage payments would be adjusted through lower interest rates or longer repayment schedules with the goal of bringing payments below 38% of monthly household income. Interest rates could be lowered for five years and then raised to a predetermined level. Loan terms could be lengthened to 40 years. Some AARP members in the UK could also be getting some good news soon as interest rates fall. A couple of lenders have mortgage rates fixed at points below the current bank rate so if the bank rate is cut again they could end up with a 0% mortgage.

David Ogden -Tomorrows Home Business
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AARP

Why are so many AARP members in dept?

We need to look back to 2006 when the property market began to decline and many people who had gambled on rising prices to pay off mortgages suddenly found themselves exposed. The banks had actively encouraged people to borrow more than they could repay, which is the reason so many banks have now failed.

The loss of faith in the banking sector spread quickly to the stock market this year and suddenly AARP members found their retirement funds had lost value Those AARP members approaching retirement having to make the hard choice of delaying retirement or retiring on a smaller pension.

October and November have seen many companies laying off workers and quite often those laid off are the older workers, often AARP members who are on relatively large salaries as a result of pay rises in boom times, who can be replaced by cheaper labour.

So how can members of AARP improve their situation and get out of dept. They need to cut all unnecessary spending and use cash rather than credit and find additional sources of income with part time jobs or by setting up their own business.

David Ogden -Tomorrows Home Business
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AARP Finance - 401(k)

AARP Finance - Why Enrol in a 401(k) Plan
Your 401(k) plan enables you to automatically take advantage of tax-deferred growth. With gradual elimination of most defined-benefit pension plans and great uncertainty around Social Security, saving for retirement on your own is increasingly critical.

How to Enrol in a 401(k) Plan
Although some companies automatically enrol employees in their 401(k) plans, you may need to complete a simple form to participate in your plan. You'll determine how much to save and select your investment options. Don't worry! The amount you save, the way you invest, and even your continued participation in the 401(k) plan are all decisions you can change at any time.

A 401(k) Plan is Employment-Related
You can only participate in a 401(k) plan if your employer allows you to do so. Your employer must both offer a plan and you must be eligible to participate. Therefore, you cannot set up a 401(k) plan on your own. (However, if you work, you can establish an Individual Retirement Account (IRA) privately. If you're self-employed, you'll have other retirement planning options as well.)

Contribution Percentages
The amount you save in your 401(k) plan is often called your contribution percentage. If your gross pay is $3,000 and you'd like to put $300 of each paycheck into your 401(k) plan, you'll need to indicate a contribution percentage of 10%, since 10% of $3,000 is $300.

Contribution Limits
For the year 2008, the most you can contribute to a 401(k) is $15,500. If you are 50 or over, you may contribute a total of $20,500. Your employer may further limit the amount you are eligible to contribute. Note that IRA contribution limits are completely separate.

Contribution Deadline
Unlike an IRA, there are no deadlines for contributions. However, the sooner you enrol, the sooner you can begin tax-deferred saving for your retirement.

Tax Deduction
Every regular 401(k) contribution immediately reduces your taxable income. For example, an individual in the 25% tax bracket who makes a $100 contribution to her 401(k) plan will immediately save $25 in taxes. (25% x $100). Although her 401(k) balance increases by the full amount of her $100 401(k) contribution, her paycheck only decreases by $75! Unfortunately, a 401(k) contribution does not reduce the amount you must pay in FICA and Medicare taxes.

Tax-Deferred Growth
Since the money in your 401(k) plan grows tax-deferred, you do not pay taxes on the earnings in the account. In fact, you do not even report the income to the IRS. It is not until you take your money out of the 401(k) plan, ideally during retirement, that you owe taxes.

Investing Your 401(k) Money
Investing your 401(k) money is critical to its long-term growth. Your investing strategy should change over time. The younger you are, the more aggressive your asset allocation should be, meaning increased ownership of stocks. As you near or enter retirement, your 401(k) balance should begin to reflect the reality that distributions are not too far away, and you should have a smaller share of your retirement money invested in stocks.

No Income Limitations
Unlike many other tax deductions and credits, eligibility to contribute to a 401(k) plan is not restricted by any maximum level of income.

Employer Matching Programs
Many employers provide matching contributions to their employees' 401(k) plans. In an employer matching program, the company puts money in the 401(k) plan of each individual who also contributes to their 401(k) plan. If you choose not to participate in your 401(k) plan, you typically forfeit this matching contribution. That's why not participating in a 401(k) plan up the level an employer matches is often called turning down free money.

Required Distributions
In most cases, you must begin to take money out of your 401(k) plan starting with the year after you reach 70 1/2. The required minimum distribution amount is determined by the Internal Revenue Service and is based on your life expectancy.

David Ogden -Tomorrows Home Business
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AARP - News

AARP Finance news is pretty gloomy these days sales figures are falling as the credit crunch hits customers pockets. Unemployment is increasing as companies start laying off staff and with thanksgiving and Christmas just around the corner it going to be a bleak time.

Just how AARP members will fare its hard to predict already some are cutting subscriptions for cable TV and phone services and switching to the Internet for free entertainment and communication.

The Internet can be a source of income for members of AARP some of whom already run their own online business. Yes you can make money on the Internet so long as you avoid the scams and get rich quick schemes. One business I recommend to AARP members is Tomorrows Home Business, because it is so simple to understand, easy to use and will after a period of 5-10 years be able to provide you with a monthly income for a relatively small initial outlay.

Many people in the USA are waiting for new incentives promised by Obama to materialise, however what ever changes he makes will take a year or more to start improving the situation, in the mean time its up to AARP to take action now to improve their lifestyle.

David Ogden -Tomorrows Home Business
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AARP Finance

AARP Finance - The 401(k) retirement saving plans used by AARP members was formed 30 years ago and until recently was showing good returns for AARP member who could afford to invest in them.

Many AARP members benefited from match contributions from their employers, but a growing number of companies are now reducing or abandoning matching contributions, which will have a disastrous consequences for those AARP members who are nearing retirement.

Here are some examples of companies who have changed their contributions

Dollar Thrifty Automotive Group Inc saved themselves $1.8 million by suspending matching 6% contributions during fist six months of this year.

General Motors Corp suspended 4% matching contributions.

Frontier Airlines Holdings Inc - Spokeswoman Lindsey Purves said the company discontinued its match June 1 as part of its effort to cut costs as it works its way through Chapter 11 bankruptcy protection. Company put in 50 cents for each dollar employee contributed up to 10 percent of pay.

The double whammy of large loss of value in the 401(k) plans which will perhaps take 5 years or more to recover and the need to contribute more due to the loss of company contributions will result in AARP members needing to delay their retirement date because they cannot afford to retire.

Some AARP members are beginning to think outside the box and looking to set up home based businesses to circumnavigate the shortfall but even plans such as Tomorrows Home business take some years to produce sufficient money to retire on, there is no quick fix.

David Ogden -Tomorrows Home Business
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AARP

AARP Finance - The Bank of England today announced its single largest interest rate drop since 1981. The reduction of 1.5% was welcomed by the trade unions, Confederation of small businesses and the House builders Council.

Lloyds TSB announced that it will pass on the full amount of the rate cut from 1 December. Other banks are set to follow suit. This follows rate cuts in USA, Japan and Australia. It is also likely that other central banks will announce reductions in the near future.

European Central bank cut rates by 0.5% and Korea is expected to announce a rate reduction tomorrow.

Stock markets around the world had a bad day however which indicates there is a no quick fix the the worlds financial woes.

If AARP members are looking for ways to increase their income, they perhaps need to take matters into their own hands and consider starting their own business or at least associate themselves with a business that is still making money.

Changes in administration following the election of Obama will affect how aid packages and financial rescue plans approved and in the pipeline will be implemented and it is expected that national dept will continue to increase as the USA still need to support companies and AARP home owners and it is perhaps this matter which is holding back a recover on the stock market.

David Ogden -Tomorrows Home Business
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AdBoards The Undiscovered Goldmine of Visitor Flow

AdBoards The Undiscovered Goldmine of Visitor Flow

After testing several different strategies of web promotion, the results were unexpectedly surprising: Free AdBoards can provide you with 5 to 60 unique and very interesting visitors every day.

AdBoards - the simplified versions of Free Classifieds. Such Free AdBoards websites as BusinessFreeAd allow visitors to place their promotional text lines directly on the front page. New promotional headlines are placed on top of the list, by pushing the previous ones one line below.

The audience is here is very specific. 70 percent of AdBoards visitors are flouncing beginners that register with several promising affiliate programs and are feverishly trying to earn the promised piles of gold by advertising their programs without any strategy, in allowable and unallowable ways.

They are willing to try out whichever “magic” way of marketing. 20 percent are webmasters and 10 percent are professionals that know exactly what they are doing and what their goals are. I would say that such flow of visitors is every trader’s dream ;)

My personal statistics shows that, from 800 unique visitors visiting my website every day, around 30 come thanks to Free AdBoards. And from 56 new members registering every day, around 9 are the audience of Free AdBoards. This is an unusually high rate!

Maria Angelozzi Business Marketing

Mangelozzi1@gmail.com

AARP Finance

The problem now for the likes of AARP members is that that a town house in the 70's cost around $20,000 but is now valued at at $ 2 million and there is now way wages could have ever kept up.

All right now recommended borrowing for AARP members is between 25%-30% of the gross monthly household income says Lawrence Yun, chief economist for the National Association of Realtors in Washington. But some AARP members have taken out low cost start up finance which escalates over time and so are now needing to set aside 40-50 percent of their gross monthly income to cover housing costs.

AARP members are not alone around the world house prices increase faster than wages and many countries such as the UK have seen property prices crash leaving negative equity situations. Maybe speculators who drove the markets up will suffer losses but many other innocent AARP members will also suffer as well.

David Ogden -Tomorrows Home Business
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AARP

AARP Finance - It seems that if Obama and Democratic Congress win , all AARP middle and upper middle class retirement plans would be at risk, not just the "rich".

A 28% Gains tax on profit from ALL home sales.

How does this affect AARP members ? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect AARP members who are counting on the income from their homes as part of their retirement income.

DIVIDEND TAX

Increase from 15% to 39.6% How will this affect you as a member of AARP. If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes when Obama become president. The experts predict that 'higher tax rates on dividends and capital gains would cause the stock market to fall again and delay long term recovery.

Increased tax rate for home sales - would be detrimental for those AARP members downsizing and planning to use proceeds for retirement and other purposes.

Energy use and consumption taxes such as for homes over 2400 square feet and on all fuel. Well intentioned, but definitely would fall heaviest on those less able to decrease their energy usage through higher efficiency appliance purchase or AARP members having less disposable income.

David Ogden -Tomorrows Home Business
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AARP Finance

AARP Finance - Now is the time to start buying stocks according to experts.

"If you buy now and wake up in 10 years, you'll probably get a return around the historic average," said Yale economist Robert Shiller. In the near term, however, Shiller - who correctly predicted the implosion of the stock-market and real-estate bubbles - is more cautious. "There is a substantial risk that with all this economic turmoil, stocks will fall far lower," he warned.

The key information for AARP members is to look long term. Many stocks have good Price over Earnings ratios or earnings yield of 15.7 which is good for a long term profitable return.

Research by economist and hedge fund manager Cliff Asness shows that buying in at a P/E usually leads to poor returns, while grabbing stocks at a low P/E - less than 16 is a reliable route to riches.

Members of AARP will find that they will get around a 9% return when adjusted for inflation, which is better that the last 10 years average, however to get this level of return you will also need a dividend yield of 4.5%.

An alternative way of earning a good return is for AARP members to set up a home based business using a model/plan developed by Economist Dr Raymond Jewel at Tomorrows home business who holds weekly online presentations at http://www.tomorrowshomebusiness.com/Conference_Room.html

David Ogden -Tomorrows Home Business
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AARP Health

AARP Health offers information on many diverse health subjects such as the following advice on screening tests: What You Need and When.

Health experts from the U.S. Preventive Services Task Force have made these recommendations, based on scientific evidence, about which screening tests you need and when to get them.

Abdominal Aortic Aneurysm. If you are between the ages of 65 and 75 and have ever been a smoker, talk with your doctor about being screened.

Colorectal Cancer. Have a test for colorectal cancer. Your doctor can help you decide which test is right for you.

Depression. Your emotional health is as important as your physical health. If you have felt "down," sad, or hopeless over the last 2 weeks or have felt little interest or pleasure in doing things, you may be depressed. Talk to your doctor about being screened for depression.

Diabetes. Have a blood test for diabetes if you have high blood pressure.

High Blood Pressure. Have your blood pressure checked at least every 2 years.High blood pressure is 140/90 or higher.

High Cholesterol. Have your cholesterol checked regularly.

HIV. Talk with your doctor about HIV screening if any of these apply:

• You have had sex with men since 1975.
• You have had unprotected sex with multiple partners.
• You have used or now use injection drugs.
• You exchange sex for money or drugs or have sex partners who do.
• You have past or present sex partners who are HIV-infected, are bisexual, or use injection drugs.
• You are being treated for sexually transmitted diseases.
• You had a blood transfusion between 1978 and 1985

Obesity. Have your body mass index (BMI) calculated to screen for obesity. (BMI is a measure of body fat based on height and weight.) You can find your own BMI with the BMI calculator from the National Heart, Lung, and Blood Institute at: http://www.nhlbisupport.com/bmi/.

Sexually Transmitted Infections. Talk to your doctor about being tested for sexually transmitted infections.

A Note on Other Conditions. Every body is different. Always feel free to ask your doctor about being checked for any condition, not just the ones above. If you are worried about diseases such as glaucoma, prostate cancer, or skin cancer, for example, ask your doctor. And always tell your doctor about any changes in your health, including your vision and hearing.

AARP health provides free information and resources to help resolve problems for its members

David Ogden -Tomorrows Home Business
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AARP Financial

AARP - Financial: OPEC is unwilling to help out IMF

OPEC Secretary-General Abdullah El-Badri said it was "surprising" that the cartel's member countries were being asked to step in.

"This crisis created in the (United) States must be solved within the States," he told the same gathering, in contrast to Brown's repeated statements that the current financial turmoil was a global problem that required global solutions.

Gordon Brown the UK Prime Minister is visiting the Middle East seeking support despite earlier blasting OPEC for reducing oil output to maintain a high oil prices.

China is another country which could come to the aid of the IMF but this could prove a costly move as are likely to insist on a greater share of political power.

Debt is a major problem for AARP members some of whom hope that recent request by lenders to be allowed to reduce outstanding credit card dept by up to 40% on a case to case basis may help to improve customers financial situations will be agreed. They may have to wait until after the election.

David Ogden -Lose Weight USA
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AARP

AARP Financial - The roller coaster week that has seen Oil prices fall by $2 a barrel has ended. For the fist time in two years USA oil consumption has dropped as belts are tightened to ward off economic decline. Hopefully for AARP members winter fuel cost will also be reduced.

Japan joined the growing number of countries forced to step in and and support their economy with a $243 billion aid package which includes fixed sum benefits of $600 for a family of four.

Major countries around the world are cutting interest rates to kick start a recovery, but this could have mixed results for AARP members as saving rates will also move downwards. There is growing concern as to how all these aid packages are going to be funded at the end of the day governments will be forced to balance the books which is likely to mean an increase in taxes.

One piece of good news for AARP members is the 5.8% increase in social security benefits that will be paid next year, one of the highest increase on record due to inflation during the current year.The average monthly payment for retirees is $1,090. In January it will rise to $1,153.

David Ogden -Tomorrows Home Business
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