INPUT ARTICLE: Article: Smoking leads to bone loss.  Adults who smoke are more likely to fracture bones, and the risk increases the more you smoke.  Studies indicate that even secondhand smoke can effect bone mass. Too much caffeine can make it hard for your body to absorb calcium.Especially if you don’t get enough calcium in your diet, stick to 2 or fewer cups of coffee or soft drinks per day. Drinking excessively can cause bone loss, so stick to moderate consumption.  One drink per day for women and two for men is okay, and some studies have even shown that alcohol in moderation can help bone health in the long term.

SUMMARY: Quit smoking. Cut down on caffeine. Go easy on the alcohol.

In one sentence, describe what the following article is about: Your actual benefit amounts will not be known until you apply for them. However, you can estimate your benefits if you are close to retirement by visiting the SSA's website and using their calculation tool. The tool can be found here: https://www.ssa.gov/retire/estimator.html. If you are younger, you can estimate your Social Security benefits using another calculator provided by the Consumer Financial Protection Bureau: http://www.consumerfinance.gov/retirement/before-you-claim/.   At any point before you retire, Social Security benefits could be reduced, increased, or eliminated. If at all possible, it's best to plan for retirement until the assumption that you may not receive these benefits.  For example, imagine that you qualify for $2,000 per month in Social Security benefits. This would give you $24,000 per year and $480,000 over your estimated 20-year retirement. This would reduce your total amount needed for retirement from $840,000 to $360,000. Depending on your choices before retirement, you may receive income in retirement from company pensions or annuities you have purchased. Calculate how much you will receive from these benefits over the course of your retirement and subtract that amount from the total that you need for retirement. For example, if you expect to receive $6,000 per year from these payments, this would give you a total of 20*$6,000, or $120,000 over the course of your retirement. This would reduce your total required retirement amount to $240,000. Determine if you have any sources of passive income that you will continue to benefit from in retirement. These can include rental properties, royalties, dividend securities, and business investments. Add up the total value of these payments over your retirement years and subtract this figure from the total. Subtract your Social Security benefits, income from annuities, and passive income from your total retirement cost. This figure is how much you will need to save before retirement in order to meet your goals. Using the previous figures, you would need to save a total of $240,000 before retirement.
Summary: Estimate your Social Security benefits. Figure out your income from pensions and annuities. Add in other sources of income you will receive in retirement. Calculate how much of your expenses are left.

INPUT ARTICLE: Article: A major part of keeping your relationship exciting when you’re apart is being able to look forward to when you will see one another again. Plus, having distance between the two of you makes every moment you do get to be together all the more special.  Aim to see one another as much as you can. And, after each visit, you should set a date for when you will meet again. The time apart will be more exciting when you have a date in the future to get excited about. If the distance is too far, try to compromise. One person can visit the other the first time, and then vice versa for the next visit. You can also meet halfway in an interesting city for a mini-vacation. Doing this allows both of you to save on travel costs and times. The two of you can’t meet up on Fridays or Saturdays to see a movie or go to the park, but you can still have date night. Be sure to download a video call application such as Skype or Google Hangouts. These applications allow you to see your date in real-time, so you can pretty much do whatever you’d do on a regular date via a video call. One suggestion might include ordering takeout meals or cooking a meal and then eating at the same time by candlelight. Do whatever you two would normally do on a date night over the call. Distance can make the heart grow fonder, especially when you spice things up every now and then. A great way to keep your LDR smoking hot is to tend to your intimacy needs. You can send flirty pictures of yourself blowing kisses in sexy poses or send a teasing message telling your date how you’ve been thinking about him or her all day. Do what feels comfortable to you and your partner. Imagine how it will brighten your special someone’s day to receive a package in the mail from you. Of course, shipping can be expensive on large items, so be creative and do something that fits your budget.  Examples of nifty gifts can be a handwritten love letter, a funny card, a framed photograph of you, some home-baked cookies, or a new CD. Consider what your date really likes and send a little something that says “I’m thinking of you.” It may even be a sign of a commitment if each of you gifts a personal item for the other to keep for a time. This might include a special shirt or an inexpensive piece of jewelry. Keeping the spark alive can also extend to your online profiles. Even if the two of you aren't together everyday, it can make things even more exciting to demonstrate your commitment to the world. You can set your statuses as "in a relationship" or share cute picture of your partner on your Facebook or Instagram pages.  Be forewarned, social media can be a great way to express your affection for your long-distance love. Unfortunately, it can also be a source of tension. Set boundaries with your partner about what both of you expect on social media. Since each of you are likely to spend more time with friends than each other, your expectations need to be clear to minimize jealousy after your partner posts photos of him/herself at a wild party.

SUMMARY:
Meet up as much as possible. Plan virtual dates. Send dirty texts. Send each other surprise gifts. Use social media to get mushy.