Archive for February 28th, 2011

Alzheimer’s Risk Looks Higher if Mom Had the Disease

Health Day News, February 28th, 2011

A new study adds more weight
to research showing the risk of developing Alzheimer’s disease is greater
if your mother, rather than your father, had the disorder.

Brain scans of adult children of people with Alzheimer’s found more
shrinkage in key brain regions of those whose mothers had the disease than
in those whose fathers had it, the researchers report. Brain shrinkage is
a characteristic of the age-related disorder.

“It’s consistent with other studies that suggest there is something
inherited from mothers that influences risk more so than what is passed
down through fathers,” said senior study author Dr. Jeffrey Burns, an
associate professor of neurology at University of Kansas Medical
Center.

Alzheimer’s disease has a strong inherited component, according to
background information in the study. Those whose parents had the disease
are four to 10 times more likely to get the disease themselves.

In the study, researchers created three-dimensional maps, using a
technology called voxel-based morphometry, of the brains of 53 people aged
60 and older. Eleven had a mother with Alzheimer’s, 10 had a father with
Alzheimer’s and the rest had no family history of the disease.

None of the participants had dementia when they were recruited, nor did
they show the signs of mental decline that can be an early indicator of
the disease, researchers said.

After two years, people whose mothers had Alzheimer’s had twice the
amount of gray matter atrophy, or shrinkage, in brain regions known to be
affected by Alzheimer’s compared to those with a paternal history or no
family history of the disease. The regions included the parahippocampal
gyrus and the precuneus.

Those with a maternal history of Alzheimer’s also had one and a half
times more loss in whole brain volume each year compared to those with a
paternal history or no family history of the disease.

The study is published in the March 1 issue of Neurology.

Read more of this article.

A Proposal to Help Pay for Old Age

The New York Times, February 26th, 2011

LIFE expectancy at birth for Americans is about 78. But many Americans will die well before then, while others, like Eunice Sanborn, who died in Texas last month, will live to be 114.

Anyone planning for retirement must answer an impossible question: How long will I live? If you overestimate your longevity, you might scrimp unnecessarily. If you underestimate, you might outlive your savings.

This is hardly a new problem – and yet not a single financial product offers a satisfactory solution to this risk.

We believe that a new product – a federally issued, inflation-adjusted annuity – would make it possible for people to deal with this problem, with the bonus of contributing to the public coffers. By doing good for individuals, the federal government could actually do well for itself.

The insurance industry sells an inflation-adjusted annuity that goes part of the way toward helping people cope with the possibility of outliving their savings. During your working years or at the time of retirement, you can pay a premium to an insurance company in exchange for the promise that the company will pay you a fixed annual income, adjusted for inflation, until you die.

But in a world in which A.I.G. had an excellent rating only days before it became a ward of the state, how can someone – particularly a young person – know for sure which insurance companies will be solvent half a century from now? Annuities aren’t federally guaranteed. The only backstops are state-based systems, and the current protection ceilings are sometimes modest. If an insurance company goes under, the retiree may end up with nothing close to what was promised.

The federal government can offer a product that solves that problem. Individuals would face no more risk of default than that associated with Treasury bills and other obligations backed by the United States.

Read more of this article.

Retirement Calculator:  Longevity is a necessary problem for retirement planning, and must be factored into every decision you make concerning your retirement.  To that end, consider the options available to you and how they interface with your variable longevity at NewRetirement.com



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