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7 Strategies for a Long and Healthy Life

To some extent how long we live — and how healthy we are — is beyond our control. A lot depends on the birth lottery: How long your parents lived to a large degree determines how long you will live. Meanwhile, there are all kinds of studies and controversies surrounding the value of diet, exercise and a host of other behaviors.

Still, while there are no guarantees in life, these are seven strategies that most health experts agree can have a major impact not only on how long we’re likely to live, but on how we feel as well.

[See: 10 Ways to Celebrate Your Retirement.]

1. Eat a good diet. You’ve probably seen lots of fad diets come and go. But the real answer is no secret. In general, people who live the longest, and feel the best, are those who avoid too much saturated fat in the form of meat or dairy products. They restrict the amount of sugar and salt in their diets. Instead, they drink lots of water, tea and coffee and perhaps a small amount of alcohol. They also consume lots of fruits and vegetables. The Centers for Disease Control and Prevention has determined that any diet rich in fruits and vegetables is linked to a reduced risk of cancer, heart disease and diabetes.

2. Get plenty of sleep. Various studies have determined that a good night’s sleep leads to lower blood pressure and boosts your immune system, making your body better able to fight off infection. Other research suggests that too little sleep might be linked to an increased risk for stroke and a higher risk of cancer. Some studies have even suggested that sleep deprivation affects the brain, leading us to make poor decisions that are detrimental to our health.

3. Get some exercise. Experts argue over how much is enough, but everyone agrees that some exercise is better than none at all. The CDC recommends sweating our way through aerobics for at least two and a half hours a week. We also should engage in at least some moderate strength training, such as lifting weights, doing sit-ups and push-ups, digging in the garden or practicing yoga. The important thing is to pick an activity that you enjoy, that you will keep doing and that will help you sleep at night.

[See: The Top Travel Destinations for Retirees.]

4. Drive safely. We sometimes forget in this age of seat belts, airbags and crash zones that traffic accidents are still a major cause of death among Americans — some 40,000 deaths in 2016, according to the National Safety Council, the most in ten years. So wear your seat belt, obey speed limits and other traffic laws and watch out for aggressive drivers. Also, try to drive during daylight hours, plan your trips ahead of time and ask your doctor or pharmacist about side effects of any prescription or over-the-counter medications you take.

5. Maintain an active social life. People who enjoy a close family life or have plenty of friends often live longer than people who are lonely. The protective effect of having fulfilling relationships is comparable to that of quitting smoking or losing a significant amount of weight. Nobody knows exactly how the health mechanism works. Some experts have suggested that being engaged in a community gives people a sense of connection and security, may promote healthy behavior such as exercising and eating well and helps people avoiding self-destructive habits like taking drugs or drinking too much. You might find it easier to stick to a healthy diet, or keep to an exercise program, if you’re doing it with family or like-minded friends.

6. Stay involved and engaged. Mortality tables show that death rates for older men who are still working are half of what they are for men of the same age who are fully retired. The mortality trends for women are similar, though less pronounced. Researchers have concluded that it’s not working that makes the difference, but staying engaged in life and involved in something bigger than your own personal problems. Self-sufficiency is not the key to a longer life. Staying connected to a community is the secret.

[See: 8 Popular Part-Time Jobs for Retirees.]

7. Go to the doctor. Flu and pneumonia comprise the seventh leading cause of death among older Americans. We should all get the pneumonia vaccine at least once and the flu vaccine every year in the fall. We should also keep up with recommended screenings, such as colorectal tests like the fecal occult blood test and a colonoscopy that can find polyps in your colon before they turn into cancer and while they can be safely removed. The CDC points out that over 60 million Americans have high blood pressure, yet fewer than half of them have it under control. High blood pressure is a major risk factor for cardiovascular disease and the leading cause of illness and death among older adults. So we all need to get our blood pressure checked, take our medications as prescribed and make the necessary lifestyle changes that will make us healthier and happier.

Tom Sightings is the author of “You Only Retire Once” and blogs at Sightings at 60.

More from U.S. News

10 Ways to Get Ready for Retirement After Age 50

10 Things You Need to Know About Medicare

10 Places to Retire on a Social Security Budget

7 Strategies for a Long and Healthy Life 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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