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.
If the tree is dead, the Chaga will be dead as well, and will have 0 medicinal values. Teas made from dead Chaga will be very bitter with a rather unpleasant taste. Do not harvest Chaga smaller than a grapefruit size.(5/lbs to 10/lbs) Leave these smaller ones to grow for a couple of more years.f the tree is dead, the Chaga will be dead as well, and will have 0 medicinal values. Teas made from dead Chaga will be very bitter with a rather unpleasant taste. Do not harvest Chaga smaller than a grapefruit size.(5/lbs to 10/lbs) Leave these smaller ones to grow for a couple of more years.