If you turn 65 this year (2010) you were born in 1945. But if you were born in 1944 and your most recent birthday was in 2009, you are 65 until your birthday in 2010.
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You were born in 1948. (2013 - 65 = 1,948).
If you will turn 65 in 2014, then you were born in 1949.
65 this year
Given the current year of 2010, if someone had already celebrated their birthday today, they would have been born in 2010 - 65 = 1945. If they had not yet celebrated their birthday, they would have been born in 1944.
2014 - 1949 = 65 → you were 65 on your birthday this year. Today is 20 February, so depending upon which day in January you were born, you will be one of the between 65 years 20 days and 65 years 51 days old inclusive.