Telegraph "Can we retire on £50,000 per year?" article

chucknorris

hugheskevi wrote: »

I was agreeing with you

I like any opportunity to discuss period and cohort differences, and the difference between average people and groups with particular characteristics. They are often ignored by less informed folk planning their retirements, but are very significant.

The big danger to me is alcohol, otherwise I eat very healthily (plenty fruit and veg, red meat only once/twice a week as I mainly eat poultry and fish for my main meal. I exercise regularly (cycling, running and swimming), I don't smoke, I work part time so don't suffer much stress, live in leafy Surrey, my parents are still alive and healthy in their late 70's/early 80's and I am in good health and do get health checks.


I just need to cut down my alcohol consumption, I did cut to about 18 units a weeks for 18 months, but 6 months ago I fell off the wagon, but I am back on it now and have cut back down to 2 bottles of wine a week (18 units, it isn't particularly strong wine).

stu12345_2

im originally from glasgow but live west country, does where you currently live determine life span or where you were brought up as a child. i read the glasgow effect is to do with negativity and cortisol levels, edinburgh uni study.
as liverpool has same poverty but longer lifespan, but less cortisol levels.
so living in cornwall, happy life, does this increase my lifespan, ex glaswegian.

chucknorris

stu12345 wrote: »

im originally from glasgow but live west country, does where you currently live determine life span or where you were brought up as a child. i read the glasgow effect is to do with negativity and cortisol levels, edinburgh uni study.
as liverpool has same poverty but longer lifespan, but less cortisol levels.
so living in cornwall, happy life, does this increase my lifespan, ex glaswegian.

It doesn't so much determine, but it is one of the many variables which has an influence on average life expectancy.

stu12345_2

yes, you read life expectancy charts for uk towns, but they dont state, how long that person has lived in that town, eg someone moving to glasgow aged 50 that used to live in the isles of scilly, or vice versa

jamesd

chucknorris wrote: »

he lives in Glasgow which has one of the lowest life expectancies, and at 65, 83 is the life expectancy for a male living in Glasgow:

http://www.ons.gov.uk/ons/dcp171778_360047.pdf

Thanks for the link but that says that the period life expectancy at age 65 is 14.9 years for men in Glasgow city, taking them to age 79.9. But there are some notable catches:

1. That's period life expectancy that the document says that cohort is the correct one to use for this purpose, with cohort in the UK normally being higher.
2. According to that document and its references the correlation is more with income and deprivation than with location, so we'd need to consider their income. If it's average or above it's probably going to end up delivering a higher life expectancy closer to the national average.

Of course you know this, I'm just partially repeating the other observations with some tweaks for my tastes to illustrate that using 83 for planning looks like a bad idea.

kidmugsy

stu12345 wrote: »

im originally from glasgow ... does where you currently live determine life span or where you were brought up as a child. ...
so living in cornwall, happy life, does this increase my lifespan, ex glaswegian.

Essentially, nobody knows. I could speculate that in Glasgow the sun's too gloomy and the water's too pure. But nobody knows. Glasgow is notorious for high rates of heart attack: but nobody knows why heart attack rates across the Western world rose alarmingly from the 1920s to the 1960s, and have fallen precipitously since. Of course, there are silly doctors who will claim credit for the fall, but accept no blame for the rise. People, eh? It could even be to do with infection by unknown pathogens. But nobody knows.

atush

If you lived in Glasgow as a child, but moved and live in the SW and have for years, you would no longer be under "glasgow rules". Youd be int he SW cohort.

It is lifestyle in diet, living conditions, etc that affect things. Obv genetics do play a part, but most of the glasgow effect is, I believe, environmental.

chucknorris

jamesd wrote: »

Thanks for the link but that says that the period life expectancy at age 65 is 14.9 years for men in Glasgow city, taking them to age 79.9. But there are some notable catches:

1. That's period life expectancy that the document says that cohort is the correct one to use for this purpose, with cohort in the UK normally being higher.
2. According to that document and its references the correlation is more with income and deprivation than with location, so we'd need to consider their income. If it's average or above it's probably going to end up delivering a higher life expectancy closer to the national average.

Of course you know this, I'm just partially repeating the other observations with some tweaks for my tastes to illustrate that using 83 for planning looks like a bad idea.

Whilst looking at similar websites the thing that stood out to me was not so much how long that you should plan your finances for, but what can you change to hopefully increase your life expectancy. This in turn lead me to chat to a few post heart attack victims, I found I was mainly doing what their doctors had advised anyway, but one change that I did make was to cut down on red meat as well as my Achilles heal to try and continue to reduce my alcohol intake (something that will always be a battle for me).

quotememiserable

atush wrote: »

If you lived in Glasgow as a child, but moved and live in the SW and have for years, you would no longer be under "glasgow rules". Youd be int he SW cohort.

It is lifestyle in diet, living conditions, etc that affect things. Obv genetics do play a part, but most of the glasgow effect is, I believe, environmental.

All parts of the country have similar max and min life expectancies, it's the averages that are lower in poor areas - because a higher proportion die at the low end. People with higher than average income, depsite living in Glasgow, still have a decent life expectancy. It seems odd that you can apparantly move to get a higher life expectancy, but really he had it already, in the fact that he was equipped to move there.

atush

Partially, yet not entirely.

There are still the affects on cortisol by increased sunlight in being further south, not to mention average diet- while affected by economics, is also affected by local choice re availability of same..