That said, 59 percent of retirees are still claiming before they reach full retirement age (for most workers, that's 66 to 67, depending on your birth year), according to a March survey from Franklin Templeton.
Chaga is a slow-growing fungus of the white and yellow birch trees. It is found in colder climates in Russia, China, Canada, Northern Europe, and Northern United States.
The name chaga (/ËtÊÉËÉ¡ÉË/) comes from the Russian word of the mushroom (anglicized from ÑÐ°Ð³Ð°), which in turn is purportedly derived from the word for the fungus in Komi-Permyak, the language of the indigenous peoples in the Kama River Basin, west of the Ural Mountains.