As today is 1st January 2010 and you are 48 years old you were born in the year 1961.
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If you were born in 1962, in 2010 you would have been 48. If you are still alive now (in 2018 when I am answering this question for you) you will be 65 this year.
You'll turn 48 this year.
You would now be 48 .
If you were born in 1962 before this date (today) you would be 48; after 47.
Since I've had my birthday this year, I'm 48; for those born in December and yet to have their birthday they are currently 47, but will be 48 before the end of 2013.