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.
Chaga is a top source of a wide range of nutrients. Like other fungi it is also rich in enzymes. Yet, it is not the nutrients or the typical digestive enzymes that makes this mushroom unique. Chaga contains a massive amount of the enzyme superoxide dismutase (SOD), which is rarely found in an edible substance.