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Even under a consumption decline scenario of 6 percent a year, which is 50 percent higher than the average consumption decline over the past decade, bond cash flows drop by around 3 percent or less annually, given the inflation adjustment

Cravings only last a few minutes from beginning to end, so making a short phone call, or finding a task to keep keep your hands busy and your mind off smoking, such as: Chew gum, slowly eat a piece of hard candy or lollipop Play a game on your cell phone Put a straw or toothpick in your mouth Switch tasks for a change of scenery Play with a rubber band Munch on some carrot sticks, nuts or celery Squeeze a stress ball Take some deep cleansing breaths and try to relax Use a relaxation CD Drink lots of water Go outside and blow bubbles, this mimics the deep breathing done while smoking Try crossword or Sudoku puzzles or word search books Take a 10-minute nap Read the newspaper or start a new book Take a shower or hot bath Put together a Survival Kit with a few of these items so youre ready when the craving strikes

Heavy drinking leads to liver disease, addiction, and increased risks of accidents and violence