Aging is inevitable, and for many, it signals the beginning of a new chapter - one where you cross off bucket list items and live life to the fullest, on your own terms. However, for some men, aging is a horrible prospect, filled with chronic fatigue, irritability, and inability to perform in the bedroom. If you're concerned about life in middle age and beyond, we've got great news: there are easy, proven steps that you can take to help stop the negative effect of aging.
Global Life Rejuvenation was founded to give men a new lease on life - one that includes less body fat, fewer mood swings, and more energy as you age. If you're ready to look and feel younger, it's time to consider TRT (testosterone replacement therapy), and growth hormone peptides. These therapies for men are effective, safe, and customized to fit your goals, so you can keep loving life as you get older.
TRT, and growth hormone peptide therapies bridge the gap between your old life and the more vibrant, happier version of you. With a simple click or call, you can be well on your way to a brighter future. After all, you deserve to be the one in charge of your wellness and health. Now, you have the tools to do so - backed by science and applied by our team of TRT and HRT experts with more than 13 years of experience.
For men, getting older comes with its perks, like living life on their own terms and not having to "sweat the small stuff" day in and day out. At the same time, there are aspects of aging that men dread, like hormonal changes. Yes, you read that right – men, not just women, go through hormonal changes as they age. For men, the biggest change involves a drop in testosterone.
Lower levels of testosterone can wreak havoc on a male's mind and body and when left untreated, can result in symptoms like:
Those symptoms are concerning, but with testosterone replacement therapy and anti-aging medicine, many males improve their quality of life with age. The good news is that TRT and anti-aging meds aren't only reserved for "old guys." In fact, there's no magic age at which men should start thinking about hormone replacement therapy. Everyone's body is different, so if you're experiencing the above conditions in your mid-30s, TRT could be a viable solution when you consult with a doctor.
Testosterone is a crucial hormone for men and plays an important role throughout the male lifespan. Most of a male's testosterone is produced through the testicles. Also called the male sex hormone, testosterone starts playing its part during puberty.
When a male goes through puberty, testosterone helps males develop:
As boys turn to men and men grow older, testosterone levels deplete naturally. Sometimes, events like injuries and chronic health conditions like diabetes can lower testosterone levels. Unfortunately, when a man loses too much T, it results in hypogonadism. When this happens, the testosterone must be replaced, or the male will suffer from symptoms like muscle loss, low libido, and even depression.
TRT is exactly what it sounds like: a treatment option for men that replaces testosterone so that your body regulates hormones properly and restores balance to your life. Also called androgen replacement therapy, TRT alleviates the symptoms that men experience with low T.
Originally lab-synthesized in 1935, testosterone has grown in popularity since it was produced. Today, TRT and other testosterone treatments are among the most popular prescriptions in the U.S.
Without getting too deep into the science, TRT works by giving your body the essential testosterone it needs to function correctly. As the primary androgen for both males and females, testosterone impacts many of the body's natural processes – especially those needed for overall health. For example, men with low T are more prone to serious problems like cardiovascular disease and even type-2 diabetes.
When your body quits making enough testosterone, it causes your health to suffer until a solution is presented. That's where TRT and anti-aging medicine for men can help. TRT helps balance your hormones and replenish your depleted testosterone. With time, your body will begin to heal, and many symptoms like low libido and irritability begin to diminish.
For men, aging is the biggest contributor to lower testosterone levels, though there are other causes like obesity, drug abuse, testicular injuries, and certain prescribed medications. Sometimes, long-term health conditions like AIDS, cirrhosis of the liver, and kidney disease can lower testosterone levels.
When a man's testosterone levels drop significantly, it alters his body's ratio of estrogen and testosterone. Lower testosterone levels cause more abdominal fat, which in turn results in increased aromatase, which converts even more testosterone into estrogen.
If you're concerned that you might have low T, you're not alone. Millions of men in the U.S. feel the same way. The best way to find out if your testosterone is low is to get your levels tested.
For sustainable testosterone replacement therapy benefits, you must consult with hormone doctors and experts like those you can find at Global Life Rejuvenation. That way, you can find the root cause of your hormone problems, and our team can craft a personalized HRT plan tailored to your needs.
Are you used to blasting through a productive day and accomplishing all your daily goals? Do you find yourself losing muscle mass and the craving to be intimate with your partner? Does your partner complain about how irritable you have become? If you're not usually a curmudgeon, your body could be giving you a sign. It could be time to speak with a doctor about TRT and anti-aging medicine for men in Lopatcong Overlook, NJ.
If you're experiencing any of the following symptoms, you might be battling against low testosterone:
One of the most common reasons that men choose TRT is because they have lost that "spark" with their partner. It's not easy for a man to hear that they're not performing like they used to. Intimacy is a powerful part of any relationship. When a once-healthy sex life dwindles, it can cause serious relationship issues.
The good news is that low libido doesn't have to be a permanent problem. TRT and anti-aging medicines help revert hormone levels back into their normal range. When this happens, many men have a more enjoyable life full of intimacy and sex drive.
Weak erections – it's an uncomfortable subject for many men in the U.S. to talk about. It's even worse to experience first-hand. You're in the midst of an intimate moment, and you can't do your part. Despite being perfectly normal, many men put blame and shame upon themselves when they can't achieve an erection. And while the inability to perform sexually can be caused by poor diet, obesity, and chronic health conditions, low testosterone is often a contributing factor.
Fortunately, weak erections are a treatable condition. The best way to regain your confidence and ability in bed is to speak with your doctor. Once any underlying conditions are discovered, options like TRT may be the best course of treatment.
Hair Loss
Do you find it harder and harder to work out and lift weights in the gym? Are you having problems lifting heavy items that you once had no problem lifting?
Recent studies show that when men are inactive, they lose .5% of muscle strength every year, from ages 25 to 60. After 60, muscle loss doubles every decade. While some muscle loss is common as men age, a significant portion can be tied to low testosterone levels. When a man's T levels drop, so does his muscle mass.
Testosterone is a much-needed component used in gaining and retaining muscle mass. That's why many doctors prescribe TRT Lopatcong Overlook, NJ, for men having problems with strength. One recent study found that men who increased their testosterone levels using TRT gained as much as 2.5 pounds of muscle mass.
Whether your gym performance is lacking, or you can't lift heavy items like you used to, don't blame it all on age. You could be suffering from hypogonadism.
If you're like millions of other men in their late 20s and 30s, dealing with hair loss is a reality you don't want to face. Closely related to testosterone decline and hormone imbalances, hair loss is distressing for many men. This common symptom is often related to a derivative of testosterone called DHT. Excess amounts of DHT cause hair follicles to halt their production, causing follicles to die.
Because hair located at the front and crown is more sensitive to DHT, it grows slower than other follicles and eventually stops growing permanently. Thankfully, TRT and anti-aging treatments for men in Lopatcong Overlook, NJ, is now available to address hair loss for good.
While it's true that you can't change your genes, you can change the effects of low testosterone on your body. Whether you're suffering from thinning hair or hair loss across your entire head, TRT and other hormone therapies can stop hair loss and even reverse the process.
Also called "man boobs," gynecomastia is essentially the enlargement of male breast tissue. This increase in fatty tissue is often caused by hormonal imbalances and an increase in estrogen. For men, estrogen levels are elevated during andropause. Also called male menopause, andropause usually happens because of a lack of testosterone.
If you're a man between the ages of 40 and 55, and you're embarrassed by having large breasts, don't lose hope. TRT is a safe, effective way to eliminate the underlying cause of gynecomastia without invasive surgery. With a custom HRT and fitness program, you can bring your testosterone and estrogen levels back to normal before you know it.
Decreased energy was once considered a normal part of aging. Today, many doctors know better. Advances in technology and our understanding of testosterone show that low T and lack of energy often go hand-in-hand.
If you're struggling to enjoy activities like playing with your kids or hiking in a park due to lack of energy, it could be a sign of low T. Of course, getting tired is perfectly normal for any man. But if you're suffering from continual fatigue, a lack of enjoyment, or a decrease in energy, it might be time to speak with a doctor.
Whether you're having a tough time getting through your day or can't finish activities you used to love, TRT could help.
A study from 2011 showed that men who lose a week's worth of sleep can experience lowered testosterone levels – as much as 15%, according to experts. Additional research into the topic found almost 15% of workers only get five hours of sleep (or less) per night. These findings suggest that sleep loss negatively impacts T levels and wellbeing.
The bottom line is that men who have trouble sleeping often suffer from lower testosterone levels as a result. If you find yourself exhausted at the end of the day but toss and turn all night long, you might have low T.
TRT and anti-aging medicines can restore your T levels back to normal, which can help you sleep better with proper diet and exercise.
You're feeling down about everything, and there's no solid explanation for why you're in such a crummy mood. Your daily life is great and full of success, but you can't help but feel unexcited and unmotivated. If you're experiencing symptoms like these, you may be depressed – and it may stem from low testosterone.
A research study from Munich found that men with depression also commonly had low testosterone levels. This same study also found that depressed men had cortisol levels that were 67% higher than other men. Because higher cortisol levels lead to lower levels of testosterone, the chances of severe depression increase.
Depression is a very real disorder and should always be diagnosed and treated by your doctor. One treatment option gaining in popularity is TRT for depression. Studies show that when TRT is used to restore hormone levels, men enjoy a lighter, more improved mood. That's great news for men who are depressed and have not had success with other treatments like anti-depression medicines, which alter the brain's chemistry.
Ask anyone over the age of 50 how their memory is, and they'll tell you it wasn't what it used to be. Memory loss and lack of concentration occur naturally as we age – these aren't always signs of dementia or Alzheimer's.
However, what many men consider a symptom of age may be caused by low testosterone. A 2006 study found that males with low T levels performed poorly on cognitive skill tests. These results suggest that low testosterone may play a part in reducing cognitive ability. If you're having trouble staying on task or remembering what your schedule is for the day, it might not be due to your age. It might be because your testosterone levels are too low. If you're having trouble concentrating or remembering daily tasks, it could be time to talk to your doctor.
Why? The aforementioned study found that participating men experienced improved cognitive skills when using TRT.
Even though today's society is more inclusive of large people, few adults enjoy gaining weight as they age. Despite their best efforts, many men just can't shed the extra pounds around their midsections, increasing their risk of heart disease and cancer.
Often, male weight gain is caused by hormone imbalances that slow the metabolism and cause weight to pile on. This phase of life is called andropause and happens when there is a lack of testosterone in the body. Couple that with high cortisol levels, and you've got a recipe for flabby guts and double chins.
Fortunately, TRT treatments and physician-led weight loss programs can correct hormone imbalances and lead to healthy weight loss for men.
The benefits of hormone replacement therapy for men are numerous. TRT not only grants relief from low-T symptoms but can help give protection against age-related diseases. Additionally, doctors now recognize male testosterone as an important role in alleviating depression.
Some of the most exciting benefits of TRT can include:
Because men do not go through a specific period of hormonal changes like women do (called menopause), many doctors refer to "male menopause" as androgen decline. This is just another term for low testosterone, but like female menopause, the symptoms can be serious and affect your quality of life.
The best way to fight back against male menopause is with male HRT treatment from Global Life Rejuvenation. We provide the following HRT treatments for men:
Our treatment options are personalized for your body and are available as creams, gels, injectables, and implantable pellets. To find out if testosterone replacement therapy is safe for you, contact Global Life Rejuvenation today to schedule your comprehensive testing and anti-aging treatment consultation.
Growth hormone peptides are an innovative therapy that boosts the natural human growth hormone production in a person's body. These exciting treatment options help slow down the aging process and give you a chance at restoring your youth.
At Global Life Rejuvenation, we offer two forms of growth hormone peptides: Sermorelin and Ipamorelin.
Sermorelin is a synthetic hormone peptide, like GHRH, which triggers the release of growth hormones. When used under the care of a qualified physician, Sermorelin can help you lose weight, increase your energy levels, and help you feel much younger.
Human growth hormone (HGH) therapy has been used for years to treat hormone deficiencies. Unlike HGH, which directly replaces declining human growth hormone levels, Sermorelin addresses the underlying cause of decreased HGH, stimulating the pituitary gland naturally. This approach keeps the mechanisms of growth hormone production active.
Benefits of Sermorelin include:
Ipamorelin helps to release growth hormones in a person's body by mimicking a peptide called ghrelin. Ghrelin is one of three hormones which work together to regulate the growth hormone levels released by the pituitary gland. Because Ipamorelin stimulates the body to produce growth hormone, your body won't stop its natural growth hormone production, which occurs with synthetic HGH.
Ipamorelin causes growth hormone secretion that resembles natural release patterns rather than being constantly elevated from HGH. Because ipamorelin stimulates the natural production of growth hormone, our patients can use this treatment long-term with fewer health risks.
One of the biggest benefits of Ipamorelin is that it is suitable for both men and women. It provides significant short and long-term benefits in age management therapies, boosting patients' overall health, wellbeing, and outlook on life. When growth hormone is produced by the pituitary gland using Ipamorelin, clients report amazing benefits.
Some of those benefits include:
Whether you are considering our TRT services, HRT for women, or our growth hormone peptide services, we are here to help. The first step to turning back the hand of time starts by contacting Global Life Rejuvenation.
Our friendly, knowledgeable TRT and HRT experts can help answer your questions and walk you through our procedures. From there, we'll figure out which treatments are right for you. Before you know it, you'll be well on your way to looking and feeling better than you have in years!
973-587-8638
MORRISTOWN, NJ – For the second consecutive year, Jersey Central Power and Light (JCP&L), a subsidiary of FirstEnergy Corp. (NYSE: FE), has been awarded the Certificate of Innovation in Sustainability by the New Jersey Department of Environmental Protection (NJDEP). The award, which includes membership on the New Jersey Sustainable Business Registry, recognizes the company’s efforts and continued leadership in sustainable practices and environmental awareness during the 2020 calendar year.JCP&L was first named to t...
MORRISTOWN, NJ – For the second consecutive year, Jersey Central Power and Light (JCP&L), a subsidiary of FirstEnergy Corp. (NYSE: FE), has been awarded the Certificate of Innovation in Sustainability by the New Jersey Department of Environmental Protection (NJDEP). The award, which includes membership on the New Jersey Sustainable Business Registry, recognizes the company’s efforts and continued leadership in sustainable practices and environmental awareness during the 2020 calendar year.
JCP&L was first named to the Sustainable Business Registry in 2019, making it the first electric utility to be recognized as a sustainable business by the NJDEP’s Office of Sustainability. The company remains the only electric utility on the list of more than 430 New Jersey companies and organizations recognized for their environmental leadership efforts.
“This award is a tremendous honor, and we truly believe it reflects the innovation and hard work we’ve put toward our commitment to the environment,” said Jim Fakult, president of JCP&L. “We look forward to building on this achievement and continuing to deliver safe, reliable power to our 1.1 million customers across the state while minimizing the environmental impact of our operations.”
Much of JCP&L's achievements were a product of the work performed by the company’s Green Team, a group of employees who have dedicated themselves to various projects focused on revitalizing the environment throughout JCP&L. The Green Team emphasizes and encourages their members to participate in various environmental initiatives including tree planting, park cleaning and recycling programs.
Other recent JCP&L environmental initiatives and accomplishments include:
JCP&L’s Green Team will share ideas with other companies and organizations working to encourage sustainability in New Jersey during the NJDEP’s upcoming Sustainable Speaker Series (S3), which will be held virtually on Thursday, April 15. S3 will feature sustainability experts and local leaders from diverse sectors to discuss how organizations can incorporate sustainability into business decisions. To learn more about S3, visit NJDEP online.
Launched in 2014, the New Jersey Sustainable Business Registry is a partnership between the Rutgers’ New Jersey Small Business Development Centers (NJSBDC) and the New Jersey Department of Environmental Protection. By joining the registry, JCP&L can share its successes and inspire other organizations to implement sustainable practices as well as learn from achievements of other businesses across the state. Visit the registry online at registry.njsbdc.com.
JCP&L serves 1.1 million customers in the counties of Burlington, Essex, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union and Warren. Follow JCP&L on Twitter @JCP_L, on Facebook at www.facebook.com/JCPandL or online at www.jcp-l.com.
FirstEnergy Corp. is dedicated to integrity, safety, reliability and operational excellence. Its ten electric distribution companies form one of the nation's largest investor-owned electric systems, serving customers in Ohio, Pennsylvania, New Jersey, West Virginia, Maryland and New York. The company’s transmission subsidiaries operate approximately 24,500 miles of transmission lines that connect the Midwest and Mid-Atlantic regions. Follow FirstEnergy online at www.firstenergycorp.com. Follow FirstEnergy and its utilities on Twitter @FirstEnergyCorp, @ToledoEdison, @IlluminatingCo, @OhioEdison, @MonPowerWV, @JCP_L, @Penn_Power, @Penelec, @Met_Ed, @PotomacEdison, @W_Penn_Power.
Retirement could end up being a more expensive prospect than you expect. You might think you'll get away with only spending half as much money as you did when you were working, but actually, most seniors end up needing about 70% to 80% of their former earnings to maintain the same standard of living.A big reason for that boils down to having lots of time to fill. When you work, you stay busy for eight hours a day or more (assuming you work a typical full-time schedule). Once that job goes away, you'll need something to do -- and that ...
Retirement could end up being a more expensive prospect than you expect. You might think you'll get away with only spending half as much money as you did when you were working, but actually, most seniors end up needing about 70% to 80% of their former earnings to maintain the same standard of living.
A big reason for that boils down to having lots of time to fill. When you work, you stay busy for eight hours a day or more (assuming you work a typical full-time schedule). Once that job goes away, you'll need something to do -- and that something, whether it's golfing, traveling, or adopting a series of pets, could end up costing you a lot of money.
That's why it's so important to enter retirement with a fair amount of money in savings. But what if your senior years are nearing and you've already missed that opportunity?
In that case, it definitely pays to consider extending your career a bit and boosting your 401(k) or IRA while you can. But if that still won't do the trick, there's one Social Security move it definitely pays to make.
The Social Security benefit you're entitled to during retirement hinges on your lifetime wages. And you can collect that benefit in full once you reach full retirement age, or FRA, which is either 66, 67, or somewhere in between.
But here's the cool thing about Social Security -- it will reward you generously for delaying your filing. For each year you hold off on taking Social Security past FRA, your benefits will grow 8%.
Once you turn 70, that incentive runs out. But if your FRA is 67 and you delay your filing until age 70, you can give your monthly benefits a permanent 24% boost. That's a great way to make up for any shortness in savings.
Of course, holding off on claiming Social Security until age 70 could also mean having to work until age 70. And that may not be ideal.
But one option you have is to see if you can shift over to part-time work. You may find that a partial paycheck does the trick in paying your bills while you wait on Social Security, especially if you do your best to maintain a frugal lifestyle during that time. Or you could potentially rely on your part-time paycheck and modest withdrawals from your retirement plan (even though, ideally, you'd be leaving your nest egg alone a bit longer in that situation).
Many seniors are shocked to learn that retirement costs more than expected. If you know going into retirement that you don't have much in the way of savings, then it really pays to delay your Social Security filing as long as you can. Once you boost your benefits, you're guaranteed that higher monthly payday for life. And that's an important thing when you're going into retirement already lacking in funds.
The $18,984 Social Security bonus most retirees completely overlook
If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security secrets" could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $18,984 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Simply click here to discover how to learn more about these strategies.
Jersey Central Power & Light (JCP&L), a subsidiary of FirstEnergy Corp. (NYSE: FE), is trimming trees across its 13-county service territory as part of its ongoing efforts to help enhance electric service reliability. This year’s $40 million program will help keep power flowing to customers by helping to reduce tree-related outages, such as those that can occur during severe weather.Completed on a four-year cycle, JCP&L’s tree-trimming program includes inspecting vegetation near power lines to ensure trees are ...
Jersey Central Power & Light (JCP&L), a subsidiary of FirstEnergy Corp. (NYSE: FE), is trimming trees across its 13-county service territory as part of its ongoing efforts to help enhance electric service reliability. This year’s $40 million program will help keep power flowing to customers by helping to reduce tree-related outages, such as those that can occur during severe weather.
Completed on a four-year cycle, JCP&L’s tree-trimming program includes inspecting vegetation near power lines to ensure trees are pruned in a manner that helps preserve the health of the tree while maintaining proper clearances around electrical equipment. Tree trimming is conducted by certified forestry contractors under the company’s direction.
Since January 1, contractors have trimmed trees along more than 700 miles of power lines, with an additional 2,700 miles expected to be completed by year end.
“Trees and branches falling on power lines and equipment are a leading cause of outages. Trimming trees near power lines is a year-round effort designed to minimize the impact of tree-related outages and restore power faster when they do occur,” said James Fakult, president of FirstEnergy’s New Jersey operations. “With hot weather and summer storms around the corner, this proactive work is one of the best steps we can take to help keep the lights on for our customers.”
Crews are also continuing a multi-year effort to identify and remove deteriorated ash trees that have been affected by the Emerald Ash Borer. Nearly 20,000 dead and dying ash trees have been removed in JCP&L’s service area, primarily in northern New Jersey, since the initiative began in 2017.
JCP&L will trim trees in the following counties and municipalities over the next two months:
JCP&L works with municipalities to proactively inform them of vegetation management schedules. In addition, customers living in areas along company rights-of-way are notified prior to work being performed. To help further decrease tree-related outages, JCP&L’s foresters are also working to educate residents who live near company equipment about the importance of properly maintaining trees on their own property.
JCP&L serves 1.1 million customers in the counties of Burlington, Essex, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union and Warren. Follow JCP&L on Twitter @JCP_L, on Facebook at http://www.facebook.com/JCPandL or online at www.jcp-l.com
FirstEnergy is dedicated to integrity, safety, reliability and operational excellence. Its 10 electric distribution companies form one of the nation’s largest investor-owned electric systems, serving customers in Ohio, Pennsylvania, New Jersey, West Virginia, Maryland and New York. The company’s transmission subsidiaries operate approximately 24,000 miles of transmission lines that connect the Midwest and Mid-Atlantic regions. Follow FirstEnergy online at www.firstenergycorp.com. Follow FirstEnergy on Twitter: @FirstEnergyCorp.
Editor’s Note: Photos of workers using bucket trucks to trim trees near FirstEnergy power lines are available for download on Flickr. A video explaining FirstEnergy’s vegetation management techniques can also be found on YouTube.
Editor's Note: This advertorial content is being published by TAPinto.net as a service for its marketing partners. For more information about how to market your business on TAPinto, please email [email protected]
News about inflation seems to get worse every month, with the most recent report in March indicating that prices of goods and services were up 8.5% year-over-year. This is the largest annual price increase since 1981. The big bump was driven by surging costs for necessities including housing, gas, and food.Unfortunately, this sky-high inflation is really bad news for retirees. The rapid rise in prices not only erodes the buying power of their savings, but it also demonstrates one really big problem with how Social Security Cost of Liv...
News about inflation seems to get worse every month, with the most recent report in March indicating that prices of goods and services were up 8.5% year-over-year. This is the largest annual price increase since 1981. The big bump was driven by surging costs for necessities including housing, gas, and food.
Unfortunately, this sky-high inflation is really bad news for retirees. The rapid rise in prices not only erodes the buying power of their savings, but it also demonstrates one really big problem with how Social Security Cost of Living Adjustments (COLAs) are calculated.
Social Security COLAs are meant to help ensure retirees don't lose buying power as prices go up.
To measure whether prices are increasing, and by how much, the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) is utilized. This price index measures the costs of a wide variety of goods and services. Social Security's COLA is set based on changes in the CPI-W. For example, if the CPI-W shows prices are up 2% year-over-year, retirees would get a 2% raise.
Only certain months of CPI-W data are used, though. Specifically, the COLA is based on average prices in the third quarter of the year before the raise occurs. So the only relevant months in terms of whether retirees get a raise or not are July, August, and September. To be clear, this means the raise seniors got in 2022 was determined based on how much prices increased year-over-year as measured in July, August, and September of 2021 versus the same months in 2020.
The problem is that inflation has surged since then. As a result, retirees have lost a substantial amount of buying power this year. Retirees received a 5.9% benefits increase in 2022. But with prices currently up 8.5% compared with the same time last year, their benefits increase has fallen far short of keeping up with rising costs.
The fact that the buying power of benefits has eroded so much this year shows the problem that can arise when inflation surges. Since the raise retirees get is based on older data, a rapid increase in prices can lead to serious financial hardships -- especially since the buying power of investment savings also falls when costs go up.
The COLA formula simply isn't responsive to surging inflation, and there's nothing retirees can do about the fact that their Social Security raise may be too small when prices rise rapidly after their benefits increase has been calculated for the year.
However, seniors can adjust their budgets to make sure they don't end up in debt or withdrawing too much from their investment accounts when this occurs. The sooner older Americans look for ways to reduce spending as prices go up, the better chance they have at preserving their long-term financial security.
Future retirees should also be aware that COLAs may not actually ensure that retirement benefits don't decline in value, so they should make sure they have plenty of savings to fund a comfortable life even if Social Security falls short.
The $18,984 Social Security bonus most retirees completely overlook
If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security secrets" could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $18,984 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Simply click here to discover how to learn more about these strategies.
by Erik MannOne of the amazing things about New Jersey is the wide range of outdoor activities available within a reasonably short drive. While many people view going “down the Shore” as the quintessential New Jersey experience, there’s another group that can’t wait for the colder weather and snow that signal ski season.First, a little background. Not that long ago, there were over a dozen, mostly mom-and-pop ski areas in...
by Erik Mann
One of the amazing things about New Jersey is the wide range of outdoor activities available within a reasonably short drive. While many people view going “down the Shore” as the quintessential New Jersey experience, there’s another group that can’t wait for the colder weather and snow that signal ski season.
First, a little background. Not that long ago, there were over a dozen, mostly mom-and-pop ski areas in the Garden State. Whether due to economics, changing demographics or a lack of snowy winters, most of those have closed. Today, there are only a handful left operating in New Jersey.
However, if you expand your search into Pennsylvania and New York, there are a number of options for skiing within about a two-hour drive from north/central New Jersey. Here are a few of our favorites.
Camelback
Over the last 10 years, Camelback has expanded greatly to become a ski area, water park, and resort. Significant investments in the base lodge, rental equipment, and snowmaking mean that Camelback is almost unrecognizable to skiers who remember it from the 1980s or 1990s. Camelback seems to be able to make and maintain good snow when other local areas struggle, and the result is better conditions than one might associate with the Pocono mountains. The ski school has expanded greatly, offering a good experience for beginners and intermediates looking to build confidence for larger mountains. Expert skiers can find some good but short steeps and terrain to keep their skills sharp.
Pro tip: Get there early on weekends and spend the money on premium parking. It’s worth it. If you can be on the mountain at opening you can get in a couple of hours of good, relatively un-frenzied skiing before the crowds develop.
Mountain Creek
Long-time New Jersey skiers remember this area as the Vernon Valley and Great Gorge resorts of the 1970s. Many locals grew up skiing the three peaks that make up the combined area known as Mountain Creek since the late 1990s.
Today, Mountain Creek is the nearest “big” (by mid-Atlantic standards) mountain close to the New York metropolitan area. As such, it attracts large crowds on weekends and after school on Friday afternoons. While the main mountain can be quite crowded, there is enough terrain for intermediate skiers to spread out and explore. Some of the trails on South Peak can be considerably less crowded.
Pro tip: Consider Sunday afternoons/evenings if you don’t mind night skiing. Parking at South Peak is typically empty and it’s a short walk to the lodge.
Elk Mountain
Located north of Scranton in the Endless Mountains, Elk Mountain is just on the outer edge of day trip distance from north and central New Jersey. Thanks to the distance from major metropolitan areas, it tends to be less crowded than closer-in resorts. Also, the location west and north seems to produce more and better natural snow than other nearby spots.
Elk feels like a throwback to an earlier time. The lodge and lifts are more basic than some other areas, and local amenities are fewer. But, the skiing terrain is more extensive and trails offer good variety. All things considered, Elk is a better choice for more advanced skiers looking for terrain and snow over creature comforts.
Pro tip: Lifts serving the top of the mountain mainly provide access to intermediate and advanced terrain. Beginner slopes are mostly concentrated on the lower mountain.
Belleayre Mountain
Located in the heart of the Catskill Mountains in New York, Belleayre is one of three mountains (along with Whiteface and Gore) owned by the State of New York. At a shade over two hours driving from northern New Jersey, it’s also at the outer edge of day trip distance.
Significantly further north than the three other resorts in this report, Belleayre tends to start the skiing season earlier and end later. One of the defining features is a steep headwall that provides some fast (but relatively short) expert terrain. Belleayre also has official glades trails, a further attraction for more advanced skiers.
There are multiple lodge options and a good mix of terrain for beginners and experts alike. Belleayre tends to attract a lot of families and provides a relaxed, comfortable atmosphere.
Pro tip: Skiers who bring their own equipment will typically head directly to the Overlook Lodge for parking which gives quicker access to the top of the mountain.
Call 866.793.9933 for a hormone
replacement consultation or email us!
Google 973.587.8638
Facebook 973.587.8879