published Jun 22nd 2017, 11:54 am, by Suzanne Woolley (Bloomberg) —One of the hardest expenses to plan for in retirement could be the biggest: health care. It will pay to err on the high side. U.S. retiree health-care costs are likely to increase at an average annual rate of 5.5 percent over

If you exercise early in the morning, it is best to get up early enough to eat before exercise. There is usually little time left to digest food before exercise. At least! Try eating or drinking something easily digestible 20-30 minutes before exercise. However, depending on the type of exercise, its duration, and intensity, a light meal with digestible carbohydrates can improve performance. Glycogen can be depleted after an overnight fast, so a pre-workout snack can help replenish liver glycogen stores.