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.
When and where to find them: (ecology) Chaga can be found all year round since it persists on the tree for many years. It is most always found on yellow, or white birch. It's probably possible to find it on gray birch but gray birch is more likely to be infected with Piptoporus betulina, the birch polypore.