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6 tricks to boost your brainpower

Everyone can be forgetful at times. It’s common to misplace your car keys occasionally or to forget to pick up an item at the grocery store every once in a while. However, as we grow older, we may worry that forgetfulness could signal a more serious decline.

Most older adults report that as they age, recollection of simple details like a person’s name may not come to mind as quickly as they did at a younger age. The good news, though, is that significant memory loss is not an inevitable part of aging. By adopting simple lifestyle choices, you can reduce your chances of memory loss in the future. I’ve seen my patients at The Ohio State University Wexner Medical Center make improvements to their brain health simply by adjusting their everyday habits including food choices, exercise and social interactions — all factors that play key roles in reducing the risk of memory decline.

You, too, can take simple steps to boost your brain power and maintain your brain’ s vitality for years to come. Engage your brain at any age with these six practices:

1. Follow a Mediterranean-style diet. The expression “you are what you eat ” is especially true when it comes to taking care of your brain. Studies indicate that the Mediterranean diet — built on fruits, vegetables, whole grains, fish, olive oil and mixed nuts — is linked to boosting the brain power of elderly people. This type of diet, which is rich in fiber and discourages eating refined sugars, red meat and processed foods, is shown to be even more beneficial to your health than a low-fat diet. In addition to protecting the cognitive functions in aging brains, the Mediterranean style also helps protect against type 2 diabetes, prevent heart disease and stroke, and reduce muscle weakness and frailty in aging bones.

[See: 6 Foods That Can Keep Your Brain Sharp.]

2. Exercise regularly. Being active is just as important at age 65 as it is at age 30. Whether your exercise regimen includes biking, jogging, swimming, yoga or walking, being physically active is essential in maintaining a steady blood flow to the brain and encouraging the development of new brain cells. It can also reduce your risk of stroke and diabetes, thereby protecting against risk factors associated with Alzheimer’s disease and other dementias. Additionally, there’s growing evidence that shows exercise doesn’t need to be strenuous or even time consuming. Instead, it’s most effective when done regularly, at least three times a week for 30 minutes or longer.

[See: 7 Mind-Blowing Benefits of Exercise.]

3. Solve puzzles. Another way to exercise your brain is by challenging it to master new mental activities through puzzles, games and problem-solving exercises. While daily crosswords may help sharpen your mind, our brains react differently to situations and problems we haven’t experienced before. Puzzles or games, especially those involving novelty, can stimulate and challenge key parts of the brain, including reasoning, language, logic, visual perception, attention and flexibility. Take on crosswords, puzzles and games that encourage you to step outside your daily routine and stimulate multiple corners of your mind.

4. Pick up a hobby. How you spend your leisure time also impacts your brainpower and overall mental health. Having a hobby such as volunteering, reading, writing, gardening or traveling can ease , keep you limber and improve your mood. Further, according to the Alzheimer’s Association, continuous learning appears to be protective against some forms of dementia, possibly because brain cells and their connections with one another become stronger over time. Thus, staying curious, involved and committed to lifelong learning are ways to grow brain cells. Your hobbies can help lead the way by keeping your mind active.

5. Socialize. Expanding and maintaining social ties contributes to mental stimulation, which can build and sustain cognitive power. Research shows that human interaction keeps your brain sharp, in part by reducing cortisol, a destructive stress hormone. As long as you’re engaged in discussion, whether you’re leading it or listening to it, you’re taking steps toward maintaining your brain vitality. Staying socially connected will help keep you mentally connected, too.

[Read: 4 Ways to Age With Gusto.]

6. Quit, or don’t start, smoking. Smokers now have another reason to put down the cigarettes: Research shows that smoking can hinder brain function at any age. In fact, one study proved that smoking just one cigarette a day for an extended period of time can reduce cognitive ability, and smoking 15 cigarettes daily hinders critical thinking and memory by almost 2 percent. The decrease in brain power is linked to the damage that smoking does to the heart. It is never too late to quit! When you stop smoking, your brain benefits from increased circulation almost instantly, no matter what your age.

[Read: How Do I Quit Smoking?]

Eating healthy, exercising, challenging your mind and building social connections are all ways you can reduce your chances of memory decline. Just like a muscle, if you don’t use it, you can lose it. Strengthening your mind will keep your health from falling behind.

More from U.S. News

6 Foods That Can Keep Your Brain Sharp

8 Ways Meditation Can Improve Your Life

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6 Tricks to Boost Your Brainpower originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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