Rock Stars of Aging the Secrets to Living to 100 from Those Who Have Done It
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AC/DC You Shook Me All Night Long Adele Rolling in the Deep Al Green
AC/DC You Shook Me All Night Long Adele Rolling in the Deep Al Green Let's Stay Together Alabama Dixieland Delight Alan Jackson It's Five O'Clock Somewhere Alex Claire Too Close Alice in Chains No Excuses America Lonely People Sister Golden Hair American Authors The Best Day of My Life Avicii Hey Brother Bad Company Feel Like Making Love Can't Get Enough of Your Love Bastille Pompeii Ben Harper Steal My Kisses Bill Withers Ain't No Sunshine Lean on Me Billy Joel You May Be Right Don't Ask Me Why Just the Way You Are Only the Good Die Young Still Rock and Roll to Me Captain Jack Blake Shelton Boys 'Round Here God Gave Me You Bob Dylan Tangled Up in Blue The Man in Me To Make You Feel My Love You Belong to Me Knocking on Heaven's Door Don't Think Twice Bob Marley and the Wailers One Love Three Little Birds Bob Seger Old Time Rock & Roll Night Moves Turn the Page Bobby Darin Beyond the Sea Bon Jovi Dead or Alive Living on a Prayer You Give Love a Bad Name Brad Paisley She's Everything Bruce Springsteen Glory Days Bruno Mars Locked Out of Heaven Marry You Treasure Bryan Adams Summer of '69 Cat Stevens Wild World If You Want to Sing Out CCR Bad Moon Rising Down on the Corner Have You Ever Seen the Rain Looking Out My Backdoor Midnight Special Cee Lo Green Forget You Charlie Pride Kiss an Angel Good Morning Cheap Trick I Want You to Want Me Christina Perri A Thousand Years Counting Crows Mr. -
The Lived Experience of Being a Hundred Years and Over
The lived experience of being a hundred years and over By Ashwina Naiker-Ratan A thesis submitted to Victoria University of Wellington in fulfilment of the requirements for the Degree of Master of Health Research Victoria University of Wellington 2016 ABSTRACT The twentieth century has seen a decline in mortality after the age of eighty and an increase in survival rates of the oldest of the old. Centenarians (people over a hundred years of age) are the fastest growing group of this population in developed countries; however qualitative research on the oldest of the old is limited. The primary aim of this study was to gain an understanding of the essence of lived experiences and meanings of extended longevity as perceived by centenarians. It also aimed to explore the role of lifestyle characteristics, family, social, health and cultural factors in regards to their prolonged existence. The research was conducted with ten centenarians aged between 100 and 106 years living in the Lower North Island namely Wairarapa, Kapiti and Wellington of Aotearoa New Zealand. Biographical Narrative Interpretive Method of inquiry was used to guide the data collection through face-to-face interviews using unstructured open ended questions. Colazzi’s phenomenological framework was employed for data analysis. There were common patterns throughout the life stories related by the centenarians and resilience and acceptance of life was notable. The centenarians spoke nonchalantly about their experience of turning a hundred, describing their birthday as; “Just another day.” Positive personalities and resilient nature were prominent features of the participants who all expressed a sense of acceptance and satisfaction with life and contentment with living in the present. -
Congressional Record United States Th of America PROCEEDINGS and DEBATES of the 111 CONGRESS, SECOND SESSION
E PL UR UM IB N U U S Congressional Record United States th of America PROCEEDINGS AND DEBATES OF THE 111 CONGRESS, SECOND SESSION Vol. 156 WASHINGTON, MONDAY, NOVEMBER 29, 2010 No. 153 House of Representatives The House met at 2 p.m. and was PALLONE) come forward and lead the tives, the Clerk received the following mes- called to order by the Speaker pro tem- House in the Pledge of Allegiance. sage from the Secretary of the Senate on No- pore (Ms. RICHARDSON). Mr. PALLONE led the Pledge of Alle- vember 22, 2010 at 2:53 p.m.: giance as follows: That the Senate passed with amendments f H.R. 4783. DESIGNATION OF THE SPEAKER I pledge allegiance to the Flag of the That the Senate concurs in House amend- United States of America, and to the Repub- PRO TEMPORE ment to Senate amendment H.R. 5566. lic for which it stands, one nation under God, That the Senate concurs in House amend- The SPEAKER pro tempore laid be- indivisible, with liberty and justice for all. ments S. 3689. fore the House the following commu- f That the Senate passed S. 3650. nication from the Speaker: That the Senate passed with amendment COMMUNICATION FROM THE WASHINGTON, DC, H.R. 6198. November 29, 2010. CLERK OF THE HOUSE That the Senate agreed to without amend- I hereby appoint the Honorable LAURA The SPEAKER pro tempore laid be- ment H. Con. Res. 327. RICHARDSON to act as Speaker pro tempore fore the House the following commu- With best wishes, I am on this day. -
Projections of Dynamic Generational Tables and Longevity Risk in Chile
Working Paper Number 13/15 Projections of dynamic generational tables and longevity risk in Chile Economic Analysis Madrid, April 8, 2013 13/15 Working Paper Madrid, April 8, 2013 Projections of dynamic generational tables and longevity risk in Chile Authors: Javier Alonso y David Tuesta, Diego Torres, Begoña Villamide March 07, 2013 Abstract The increase in longevity risk is leading to serious challenges for economies. Industries such as insurance and pensions, which are most closely related to the management of the risks of an aging population, have for a number of years experienced direct effects of this kind. To counterbalance this, they have developed techniques for constructing mortality tables in order to project the future trends of life expectancy at birth and thus reduce the level of uncertainty that this market by its nature involves. Developed countries have led technical improvements for constructing these tables, while Latin American countries have lagged behind significantly in this respect. Given that these countries cannot yet develop tables weighted by social and medical aspects, it is highly probable that this situation will continue. That is why this study aims to construct a forecast for mortality rates, based on projection models of the ARMA (p, q) type and non-parametric contrast methodology. The study is based on the case of Chile, which provides most information for constructing a model for a Latin American country. The estimates show that the official mortality tables in Chile could include significant lags by 2050, which will have major negative effects on the pension and insurance industry, in the hypothetical case that they were not updated. -
Covering Joel with Perfect Pitch
Covering Joel with perfect pitch SUSAN DEEFHOLTS (Mar 23, 2007) One of the remarkable things about Billy Joel's music is that his writing has evolved with the times, while still retaining a sound that makes it distinctly his own. His work is uniquely contemporary, capturing a wide diversity of moods, from wry humour and sophisticated contemplation, through psychological angst and frenetic stress. An Innocent Man: The Music of Billy Joel marks the most recent in the Electric Thursdays series of concerts, a collaboration between the KWS and the Jeans 'n Classics band. Who better to lead us on this tribute to Joel's musical career than Jim Witter, himself an accomplished singer, pianist and songwriter? Witter is the creator of the hit show The Piano Men, a tribute to the 1970's hits of both Billy Joel and Elton John. His vibrant performance on Wednesday night potently demonstrated his strong affinity for Joel's work. At times, he sounded uncannily like the Piano Man himself, evoking both his timbre and enunciation. And yet, Witter also brought a presence that was uniquely his own to the performance. The evening began with such favourites as Only the Good Die Young and Uptown Girl --both songs about love between the kind of boy your mother warned you about and the girl who's got it all. The upbeat opening set the mood for a stellar performance of Joel classics. From the very first notes played, the audience sat up and took notice. Peter Brennan's orchestral arrangements, with Daniel Warren conducting, complemented the original songs, adding depth and resonance to the diverse range of songs covered throughout the evening. -
Communicating Longevity Risk: Beyond the Definitions
Communicating Longevity Risk: Beyond the Definitions Liaw Huang and Tom Terry* TTerry Consulting LLC, Chicago, United States Corresponding author: [email protected] August 26, 2013 Abstract Despite persistent efforts to educate and communicate about longevity risk and its potentially harmful effects, the marketplace for longevity risk mitigation solutions has been slow to develop. We propose that, in part, the problem stems from the lack of a common definition and the resulting lack of a consistent understanding of longevity risk. We examine and critique various definitions used by financial and policy communities, as well as the public at large. Finally, we suggest that a concerted effort to address this semantic murkiness is an essential ingredient for the success of marketplace solutions and broader public policy initiatives. ___________________________________________ *We are grateful to professor David Blake for his invitation to contribute this paper to the Longevity 9 conference in Beijing, China, and to Carol Daskais Navin for her many helpful comments which have improved this paper. Communicating Longevity Risk: Beyond the Definitions `When I use a word,' Humpty Dumpty said in rather a scornful tone, `it means just what I choose it to mean -- neither more nor less.' `The question is,' said Alice, `whether you can make words mean so many different things.' `The question is,' said Humpty Dumpty, `which is to be master - - that's all.' -- Lewis Carroll, Through the Looking-Glass Introduction Despite the well-intentioned effort to raise awareness of longevity risk in both the financial community and with the public at large, the concept of longevity risk remains elusive. -
Prospective Longevity Risk Analysis
Prospective Longevity Risk Analysis Gordon Woo RMS LifeRisks, London UK 2014 Convention knowing more 22-23 October, Cape Town Modelling Longevity Dynamics for Pensions and Annuity Business by Pitacco, Denuit, Haberman, Olivieri (2009) ‘It should be noted that models investigated in this chapter do not attempt to incorporate assumptions about advances in medical science or specific environmental changes: no information other than previous history is taken into account.’ ‘The tacit underlying assumption is that all of the information about the future is contained in the past observed values of the death rates.’ 2014 Convention knowing more 22-23 October, Cape Town Historical mortality Improvements in England & Wales Averages over 20, 50, 100 and 160 years Smoothed annual mortality 3.25% improvement for England & Wales Males aged 65 2.00% 1.25% 0.75% 2014 Convention knowing more 22-23 October, Cape Town Knowing more about future journey times South African rail company Transnet Freight Rail (Transnet) recently announced a R300 billion, seven-year capital investment programme aimed at revolutionising South African rail. 7 June 2012 2014 Convention knowing more 22-23 October, Cape Town Knowing more about genetics Genomics England is set up to sequence 100,000 genomes. Initially the focus will be on rare disease, cancer and infectious disease. The project will be completed by the end of 2017. 2014 Convention knowing more 22-23 October, Cape Town Knowing more about causes of disease Online sharing of individual medical history is helping to find common causes of disease, identify genetic factors, and discover improved treatments. 2014 Convention knowing more 22-23 October, Cape Town Conditioning on future medical progress • Actuarial projections are conditional on the historical record of mortality: Prob (future mortality | historical record of mortality) • Medical-based models are conditional also on what is known of the path of future medical advancement. -
Living-100-Insights-Challenges.Pdf
Living to 100 Insights on the Challenges and Opportunities of Longevity Literature Review 2002–2017 April 2019 Living to 100 Insights on the Challenges and Opportunities of Longevity SPONSOR Research Expanding Boundaries Pool AUTHORS Sean She, FSA, MAAA Committee on Life Insurance Research Francisco J. Orduña, FSA, MAAA Product Development Section Peter Carlson, FSA, MAA Committee on Knowledge Extension Research 1 | P a g e This publication has been prepared for general informational purposes only; and is not intended to be relied upon as accounting, tax, financial or other professional advice. It is not intended to be a substitute for detailed research or the exercise of professional judgement. Please refer to your advisors for specific advice. Neither Ernst & Young LLP, the authors, nor any other member of Ernst & Young Global Limited can accept any responsibility or liability for loss occasioned to any person acting or refraining from action as a result of any material in this publication. Neither SOA, the authors nor Ernst & Young LLP recommend, encourage or endorse any particular use of the information provided in this publication. Neither SOA, the authors nor Ernst & Young LLP make any warranty, guarantee or representation whatsoever. None of SOA, the authors nor Ernst & Young LLP assume any responsibility or liability to any person or entity with respect to any losses arising in connection with the use or misuse of this publication. The opinions expressed and conclusions reached by the authors are their own and do not represent any official position or opinion of the Society of Actuaries or its members. The Society of Actuaries makes no representation or warranty to the accuracy of the information. -
Billy Joel and the Practice of Law: Melodies to Which a Lawyer Might Work
Touro Law Review Volume 32 Number 1 Symposium: Billy Joel & the Law Article 10 April 2016 Billy Joel and the Practice of Law: Melodies to Which a Lawyer Might Work Randy Lee Follow this and additional works at: https://digitalcommons.tourolaw.edu/lawreview Part of the Legal Profession Commons Recommended Citation Lee, Randy (2016) "Billy Joel and the Practice of Law: Melodies to Which a Lawyer Might Work," Touro Law Review: Vol. 32 : No. 1 , Article 10. Available at: https://digitalcommons.tourolaw.edu/lawreview/vol32/iss1/10 This Article is brought to you for free and open access by Digital Commons @ Touro Law Center. It has been accepted for inclusion in Touro Law Review by an authorized editor of Digital Commons @ Touro Law Center. For more information, please contact [email protected]. Lee: Billy Joel and the Practice of Law BILLY JOEL AND THE PRACTICE OF LAW: MELODIES TO WHICH A LAWYER MIGHT WORK Randy Lee* Piano Man has ten tracks.1 The Stranger has nine.2 This work has seven melodies to which a lawyer might work. I. TRACK 1: FROM PIANO BARS TO FIRES (WHY WE HAVE LAWYERS) Fulton Sheen once observed, “[t]he more you look at the clock, the less happy you are.”3 Piano Man4 begins by looking at the clock. “It’s nine o’clock on a Saturday.”5 As “[t]he regular crowd shuffles in,” there’s “an old man” chasing a memory, “sad” and “sweet” but elusive and misremembered.6 There are people who pre- fer “loneliness” to “being alone,” people in the wrong place, people out of time, no matter how much time they might have.7 They all show up at the Piano Man’s bar hoping “to forget about life for a while”8 because, as the song reminds us, sometimes people can find themselves in a place where their life is hard to live with. -
Insight on the Challenges and Opportunities of Longevity
Living to 100 Insights on the Challenges and Opportunities of Longevity Literature Review 2002-2014 October 2016 Living to 100 Insights on the Challenges and Opportunities of Longevity Literature Review 2002-2014 SPONSOR Research Expanding Boundaries Pool AUTHORS Francisco J. Orduña, FSA, MAAA Committee on Life Insurance Research Kevin Kang, FSA, MAAA Product Development Section Christopher G. Raham, FSA, MAAA Committee on Knowledge Extension Research Jennifer A. Haid,, FSA, CFA, MAAA Michael K.Y. Chan, FSA, MAAA Ernst & Young, LLC Caveat and Disclaimer The opinions expressed and conclusions reached by the authors are their own and do not represent any official position or opinion of Ernst & Young LLP, the Society of Actuaries or its members. Ernst & Young LLP, the Society of Actuaries or its members make no representation or warranty to the accuracy of the information. In addition, the discussion and examples presented in this paper are for educational purposes. Copyright ©2016 All rights reserved by the Society of Actuaries 1 | P a g e Table of Contents Table of Contents ............................................................................................................................................................................................. 2 1. Introduction ........................................................................................................................................................................................ 3 2. Acknowledgements ........................................................................................................................................................................ -
Topics of Interest
TOPICS OF INTEREST Hedging Longevity Risk for Pension Plans By Vincent Francom, CFA, CAIA Senior Consulting Associate JULY 2013 Introduction Many pension plan risks, such as those related to investments, interest rates and inflation are well- known to plan sponsors. Longevity risk, however, tends to be more esoteric. Very simply, longevity risk is the risk of people living longer than expected. To illustrate this concept, let us first turn to a curious transaction involving a French attorney, an elderly widow, and a coveted Provençal apartment. In 1965, André-François Raffray signed a contract with Jeanne Calment, agreeing to pay the widow a life annuity of 2,500 francs per month contingent on Mrs. Calment bequeathing her apartment to Mr. Raffray upon her death.1 While this agreement may sound peculiar or even distasteful, en viager (meaning “for life”) transactions are not unusual in France. Such sales allow a property owner to remain in his or her home while drawing a monthly income from the buyer, who hopes to secure a desirable property at a discounted price. Given that Mrs. Calment was 90-years old at the time of their agreement, Mr. Raffray, then 47, likely thought he was landing a grand bargain. He was not. “[P]eople always live for ever when there is an annuity to be paid them ….” The preceding quote is from Jane Austen’s nineteenth-century novel, Sense and Sensibility, but it nearly describes the predicament of Mr. Raffray. In 1995, 30 years and the equivalent of $184,000 later (an amount greater than twice the apartment’s market value), it was Mr. -
Longevity Risk Quantification and Management: a Review of Relevant Literature
Longevity Risk Quantification and Management: A Review of Relevant Literature Thomas Crawford, FIA, FSA, MAAA Richard de Haan, FIA, FSA, MAAA Chad Runchey, FSA, MAAA Ernst & Young LLP November 2008 © 2008 Society of Actuaries I. EXECUTIVE SUMMARY...............................................................................1 II. BACKGROUND ............................................................................................4 III. OBSERVED TRENDS AND OUTLOOK ON MORTALITY ...........................6 IV. DEVELOPMENT OF RETIREMENT MARKETS.........................................13 The retirement market in the US ............................................................................................... 13 Retirement markets in other geographies................................................................................. 15 External factors and the impact on product development......................................................... 17 V. WAYS IN WHICH INDIVIDUALS CAN MITIGATE LONGEVITY RISK ......20 VI. SUMMARY OF PRODUCTS WITH LONGEVITY RISK EXPOSURE .........23 Immediate annuities .................................................................................................................. 24 Enhanced and impaired life annuities ....................................................................................... 26 Deferred annuities..................................................................................................................... 26 Corporate pensions..................................................................................................................