Archive for the 'Personal Finance' Category存档为'个人财务'类别

So let me get this straight.   Officials around the world and within the US say oil prices are at record highs because of the fundamentals of supply and demand.  We don’t have enough supply, and there’s too much demand. And speculation is not to blame .因此,让我得到这个直的官员,世界各地和美国说,石油价格正处于历史最高纪录,因为基本面供应和需求,我们没有足够的供应,而且有太多的需求。 和猜测是:不要责怪

And yet the great oil debate continues with many of the oil producing nations saying they don’t intend to increase supply because there is not enough demand and the market doesn’t warrant it.  Instead they blame excessive speculation as the real problem. 然而伟大的石油辩论仍在继续 ,许多石油生产国说,他们不打算增加供应量,因为没有足够的需求和市场并不需要它,而是归咎于过度投机,作为真正的问题。

OPEC’s Secretary General Abdullah al-Badri called for measures to curb market speculation, a factor the Organization for the Petroleum Exporting Countries has said is driving prices to unjustified levels.欧佩克秘书长阿卜杜拉- badri呼吁采取措施,抑制市场的投机活动,一个因素,该组织为石油出口国已表示,驾驶是价格不合理的水平。

“We are not happy with the current level of price for one reason. “我们并不快乐,与目前的水平,价格的原因之一。 It has nothing to do with the fundamentals,” he told the Reuters Global Energy Summit on June 10.它完全不符合基本面, “他告诉路透社全球能源首脑会议6月10日。

Saudi Arabia’s oil minister Ali al-Naimi says: “I am convinced that the supply and demand balances and crude oil production levels are not the primary drivers of the current market situation and that markets are already well-supplied.” (At the Jeddah Energy Meeting in June.)沙特阿拉伯的石油部长Ali al -纳伊米说: “我深信,供应和需求平衡和原油生产水平是不是小学的司机,目前的市场形势和市场已十分供应。 ” (在吉达能源会议6月) 。

He also says, “Supply is enough.他也说, “供应是不够的。 The price is driven by many, many causes — most of which is speculation.” (At the World Petroleum Congress in Madrid June 30)价格是由很多原因-其中大部分是投机。 “ (在世界石油大会在马德里6月3 0日)

But others disagree, and even commodity experts within the US argue over the Hunt for Oil Villians with many believing that speculation and futures contracts play little role in price increases.但其他人不同意,甚至商品的专家,美国争论追捕石油villians许多,以为投机和期货合约中发挥的作用不大,在价格上升。

But then there’s the oil companies.但后来有的油公司。 Oil executives also think it’sa supply and demand issue.  The oil companies cite the lack of new supplies, and not speculators, as the reason for high oil prices.石油高层也认为这是供应和需求的问题。油公司举出缺乏新供应,而不是炒家,为理由,油价高企。

Tony Hayward, chief executive of BP said the argument that financial investors buying oil futures were behind oil’s record levels was a myth.   “Supply is not responding adequately to rising demand,” he said at the World Petroleum Congress in Madrid.托尼海沃德,行政长官的BP说的说法金融投资者购买石油期货的背后石油的创纪录水平是一个神话“ 。供应没有回应,充分的需求不断增加,他说: ”在世界石油大会在马德里。

At the same conference, Shell chief executive Jeroen van der Veer said “We don’t think that the financial markets are leading the speculation, probably they follow what other people fear as long-term fundamentals; I do not think that you can blame speculation for the oil price.”在同一会议上,壳牌行政长官韦尔( Jeroen范德伟说: “我们不认为金融市场是领导的投机活动,可能是他们遵循什么其他人的恐惧,作为长期基本面;我不认为你可以归咎于投机对于石油价格“ 。

Sounds like the US is being squeezed from all corners and no one knows what the heck is going on.  And yet here we are with oil over $140 per barrel.好像美国是被挤出来自五湖四海的和没有人知道什么赫克正在进行中。然而,我们在这里与石油超过140元,达到每桶。

Meanwhile the US Congrees is scrambling to do something, anything, to placate voters.  And instead of blaming oil companies as they’ve done for decades, they’re finally looking for solutions.  Apparently they’ll do anything to prevent increased drilling, so Congress is trying to reign in speculation with at least nine proposed bills.与此同时,美国congrees是争先恐后地做点事,任何事情,为了安抚选民,而不是指责油公司,因为他们已经做了几十年来,他们终于寻找解决办法。显然他们会做任何事情,以防止增加了钻井,所以国会正试图统治在投机与至少9拟议的条例草案。

And this is not just a US issue of course.  Officials in the UK are now trying to determine what’s to blame for high oil prices .  And think of the effect on poorer nations, and those living in poverty?  It’sa harsh reality, but the number of people suffering and dying from hunger is only increasing as fuel prices influence global economics.和这不仅是美国的问题,当然官员在英国,现正试图确定什么是咎由自取高油价 。想出的影响较穷的国家,以及那些生活在贫困中?这是严酷的现实,但有多少人遭受痛苦和死亡免于饥饿的,只有随着燃油价格影响全球经济。

Senator John McCain is now pushing for Energy Security and an expansion of domestic oil production.  Personally I think it’s about time.  It’sa valid point: In 1969 we sent astronauts to walk on the moon, yet in 2008 we are bankrupting our economy because we have not planned ahead for energy independence.参议员麦凯恩现在却大力推进其能源安全,并扩大国内的石油生产。我个人认为它的大约时间。这是有效的一点:在1969年我们发送宇航员走在月球上,但在2008年我们破产,我们的经济,因为我们没有计划未来的能源独立。

The US has not increased domestic US oil production capacity in over 30 years, and instead we have placed ourselves in economic servitude to hundreds of foreign oil producers. The last US oil refinery was built and began operating in 1976 , and for many years since refineries have operated near 90-100% of capacity.  Yet in over three decades, no new refineries have been built due to the burden of environmental and political regulation.美国并没有增加美国国内石油生产的能力,在超过30年,而是我们已经放在自己的经济奴役,以数百名外国石油生产商。 最后,美国炼油厂建成并开始运作,在1976年 ,多年以来,炼油厂经营近90-100 %的能力,但在超过3几十年来,没有新的炼油厂已建成,由于负担,环境和政治的规管。

And the US is the only country in the world in which oil companies have been legally prevented from drilling for new oil reserves in order to produce enough gasoline and diesel fuel to supply our needs.和美国是世界上唯一一个在其中油公司已在法律上阻止钻探新的石油储备,以便产生足够的汽油和柴油燃料供应我们的需要。

If the Global War on Terrorism is about protecting America and other free nations at home, then we should be willing to do whatever it takes to bring down oil prices.  Our national security is not solely affected by terrorists abroad who wish to do us harm.  National security is also about economic viability.如果全球反恐战争是保护美国和其他自由国家在家里,那么我们应该愿意这样做,无论它把石油价格,我们的国家安全是不能仅仅受恐怖分子在国外谁想伤害我们。国家安全也是经济上的可行性。 People are afraid of being able to sustain themselves and their families over the long term.人是害怕被能够维持他们自己和他们的家庭的长远目标。

In the name of environmental activism and global warming mania, the US and other nations have seemingly become bent on a course of economic self-destruction that harms not only US families and individuals, but possibly has led to increased hunger and starvation of millions of humans across the world due to biofuel emphasis such as ethanol production.在名称环境的积极性和全球气候变暖的狂热,美国和其他国家似乎已经成为执意要一个疗程的经济自我毁灭的危害,不仅美国的家庭和个人,但可能导致增加饥饿和饥饿以百万计的人类在世界各地,由于生物燃料的重点 ,如生产乙醇。

“It’s very hard to imagine how we can see the world growing enough crops to produce renewable energy and at the same time meet the enormous demand for food,” says Professor John Beddington, the UK’s Chief Science Advisor at a sustainability conference in March 2007.   “The supply of food really isn’t keeping up.” “这是很难想象如何,我们可以看到世界上越来越不够作物生产可再生能源和在同一时间,满足巨大的粮食需求, ”教授说,约翰beddington ,英国的首席科学顾问在可持续性会议在2007年3月“的粮食供应,实在是没有跟上” 。

“By 2030″, he said, “the world population would have increased to such an extent that a 50 per cent increase in food production would be needed.” By 2080 it would need to double. “ 2030年” ,他说: “世界人口将增长到这样的程度增加了百分之五十,在粮食生产将需要” , 2080年将需要增加一倍。 But the rush to biofuels – allegedly environmentally friendly – meant that increasing amounts of arable land had been given over to fuel rather than food.但急于生物燃料-据称,环保-意味着越来越多的耕地已超过燃料,而非食物。

It’sa delicate balance.  US environmental regulations are a good thing in general.  We appreciate and need clean air, water, forests and resource diversity.这是微妙的平衡。美国的环保法规是一件好事,在一般。我们对此表示赞赏和需要清新的空气,水,森林和资源的多样性。 But taken to the extreme, we can tie our hands economically and end up hurting real people and the ability to grow the economy.但采取极端的情况下,我们能配合我们的手在经济和最终伤害了真正的人民和增长能力的经济。 I’m all about conservation and stewardship of natural resources.我所有关于养护和管理自然资源。 But people must come first in terms of the decisions for how we balance resource use.但是,人们必须首先在条款的决定,为我们如何平衡资源的使用。 I don’t believe it is mutually exclusive- I think we can both protect the environment and balance resource use such as drilling for oil in ways that are environmentally responsible.我不相信这是互相排斥的-我认为我们既可以保护环境和资源利用的平衡,如钻探石油的方式,是对环境负责的。

Business and consumer confidence are in my view the preeminent factors influencing economic strength going forward.  Whatever we do in regard to high oil prices must be framed in the context of assisting consumers and companies with improving their economic fortunes.企业和消费者的信心是在我看来卓越的影响因素的经济实力向前迈进。无论我们做什么方面的高油价必须在框架的背景下,协助消费者和企业与改善他们的经济财富。

If we have learned nothing over the last century it should be that a rising tide does indeed lift most, if not all, boats.  But at present, as the tide continues to recede this year we are seeing many boats in the name of job cuts, bankruptcies and foreclosures, left on the beach of the dwindling US economy. 如果我们有什么据悉,在过去的一个世纪,它应该是一涨潮确实解除大部分,如果不是所有的船只,但目前,随着民工潮继续消退,今年我们看到很多船只在名称裁员,破产和foreclosures ,留在沙滩上减少,美国经济。

While Congress, economists and other experts are trying to figure out “who’s on first” we just need to roll up our sleeves and get busy becoming energy independent.而国会,经济学家和其他专家正试图弄清楚“谁的第一次”我们所需要的只是卷起衣袖和我们的忙,成为能源独立。

Abbott and Costello were funny decades ago, and will still be funny many years from now.艾博特和科斯特洛被有趣的数十年前,仍然会很有趣,多年来从现在开始。 High oil prices are not very funny to most Americans and neither is watching the great oil debate in the media.高油价是不是很有趣,大多数美国人和,也不是看大石油辩论,在媒体上。 But just maybe we’re finally recognizing that we need to do something different, and that’sa start.只是,也许我们正在终于认识到我们需要做的有所不同,和that'sa开始。

For the record I agree strongly with Thomas Madden: America’s Days Aren’t Numbered .为记录我同意强烈托马斯麦登: 美国的天是没有编号 On this 4th of July we have much to be thankful for, and much to look forward to.在这个7月4日,我们有很多感谢,许多期待。

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Jun 30 6月30日

The Bear and the Family Economy 大熊和家庭经济

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After last week many investors are wondering if their retirement funds are heading down the drain.  In the space of a few days the Dow lost over 500 points alone, and the index is down almost 20 % from the October highs of over 14,000.  While the volatility continues it looks as if the Bear is on the prowl.之后,上周许多投资者想知道如果他们的退休基金是标题下的流失。在空间了数天道琼工业指数失去了超过500点,仅及该指数是下跌近20 % ,从10月的高点超过1.4万。则波动继续看来,如果大熊是关于prowl 。

硬币添加了! Regardless of your risk tolerance over the past few years, if you’ve sat tight and continued investing it’s not pleasant to watch the markets slowly shrink the size of your portfolio.  What does it all mean?  Most investors see a bear market as something indicating a severe recession, or longer term economic challenges.  That’s not hard to understand with the backdrop of oil exceeding $143 per barrel this morning and well over $4 per gallon of gas at the pump.无论您的风险承受能力在过去几年中,如果您已经坐在紧绌,并继续投资,这不是愉快的观赏市场慢慢萎缩,大小你的投资组合究竟它的所有意思?大多数投资者看到一个熊市作为一些显示严重的经济衰退,或较长远的经济挑战,这是不难理解与背景的石油超过143 %每桶今天上午和超过4元,每加仑的气体在泵。

So the economy continues as the #1 issue for voters this election cycle.  If the politicians haven’t got that by now they’re probably way behind in the polls.  The one’s that do get it are harping on it continuously, just like the media.因此,经济继续作为# 1问题的选民这次选举周期,如果政治家没有得到通过,现在他们很可能的方式背后,在民意测验中。之一的,不得到它是旧调重弹,它不断,刚像媒体。

This morning I watched every major news network talk in depth about the struggling economy and how consumers and investors are on the verge of panic.   I had to turn off the television, in part because it was so negative, and in part because I found myself giving in to the negative mantra that pervades the media these days.   And you know what?  I’m tired of listening to all of it.今天早上,我观看了每一次重大新闻网的谈话,深入了解挣扎的经济,以及如何消费者和投资者的是对濒临恐慌。我不得不关掉电视,部分是因为它是如此的消极,部份是因为我发现自己给予在向消极的口头禅说,贯穿媒体这些天来和你知道什么?我已经厌倦了听所有。

Perception shapes the way we feel about many things, including the economy and the nation as a whole.  And the media shapes perception continuously.  Is that any surprise and is it really accurate?  Do we feel the same way about our own lives?  Greg Easterbrook in a Wall Street Journal opinion piece has written of our penchant to focus on the negative :形状知觉的方式,我们觉得对很多事情,包括经济和民族作为一个整体。和媒体的形状知觉不断,这是任何惊喜,是否真的准确?我们觉得同样的方式对我们自己的生命呢?格雷格伊斯特布鲁克在华尔街日报的意见,一块我们喜欢把重点放在负面

“The relentlessly negative impressions of American life presented by the media, including the entertainment media, explain something otherwise puzzling that shows up in psychological data. “无情的负面印象,美国的生活由媒体,包括娱乐媒体,解释,否则令人不解的是,表明了在心理资料。 When asked about the country’s economy, schools, health care or community spirit, Americans tell pollsters the situation is dreadful.当问及该国的经济,学校,医疗保健或社区精神,美国人告诉民意调查的情况是可怕的。 But when asked about their own jobs, schools, doctors and communities, people tell pollsters the situation is good.不过,当问及他们的本职工作,学校,医生和社区,人们告诉民意调查的情况是好的。 Our impressions of ourselves and our neighbors come from personal experience.我们的印象是我们自己和我们的邻居,来自个人的经验。 Our impressions of the nation as a whole come from the media and from political blather, which both exaggerate the negative.”我们的印象,国家作为一个整体,来自媒体和从政治废话,这两个夸大负面“ 。

“The latter has never been thicker. “后者从未厚。 Democrats insist Republicans are ruining domestic policy, Republicans insist Democrats are ruining foreign policy.民主党人坚持共和党是败坏了国内政策,共和党坚持民主同盟是败坏的外交政策。 Neither claim is true, but both reflect what we’ve been conditioned to believe: that America is in much worse circumstances than it actually is.”既不是真正的索赔,但都反映了我们的条件已经相信:美国是在更糟糕的情况下,比它实际上是“ 。

That’s why I turned off the television. If perception is going to influence my life, then I’m going to shape it myself. Certainly there’s no question that consumer spending behavior is changing all across America, both out of need and concern for the future.  And many people are indeed struggling.  We’re paying more for gas and food, job losses are mounting, real estate is down and our investments haven’t done very well this year.这就是为什么我关掉电视。 观感,如果是去影响我的生活,那么我要的形状,它自己当然有,毫无疑问,消费行为是不断变化的所有全美各地,无论是出于需要和关注未来。和很多人确实是挣扎,我们正在付出更多的气体和食物,就业损失的安装,房地产是下跌和我们的投资没有做得非常好,这一年。

Depending upon where you live, the economic conditions may be terrible or they may be pretty good.  Rather than give in to the rampant media circus however, I think it’s time we looked more closely at what I call the Family Economy .  It’s within the family economy that most of us experience the effects of the world around us.  Unfortunately for some families, that means life is very challenging and just putting food on the table may take incredible effort.取决于你的居住地,经济条件可能的可怕或他们可能是不错。而非让步,以猖獗的媒体马戏团不过,我认为它的时间,我们期待更加紧密地在我所谓的家庭经济 ,它' s家庭内部的经济,而我们大多数人的经验,影响我们周围的世界。不幸的一些家庭,即生活,是非常具有挑战性的和公正的把食物放在桌上,可采取令人难以置信的努力。

But it’s really not that bad for most people even though that’s what it sounds like in the media.  A lot of folks are doing pretty well regardless of the economic challenges.   We’re healthy, have a roof over our heads, adequate income and a quality of life that is pretty darn good.  How many of us stop and think of the abundance in our lives, and to appreciate what we have each day?但它的数量实在不算坏对大多数人来说,即使说的是什么,它听起来就像在媒体上。了不少乡亲正在做的相当不错,无论经济的挑战,我们正在健康,有一个屋顶在我们头上,足够的收入和生活质量是相当良好的石坝。多少,我们停止与思考丰富我们的生活,和欣赏什么,我们每一天?

Within our family economy, we can do a lot of things to shape the quality (and perception) of our lives.  Among all else I believe our attitudes and behavior is most important.  The outlook and mindset we carry with us influences those around us (for good or bad) especially in terms of our younger family members.  Children understand little of what influences their world beyond the neighborhood, and the home is often the singular center of social and economic interaction.在我们的家庭经济,我们可以做很多事情来形成的质量(和观感)我们的生活。之间的一切,我相信我们的态度和行为是最重要的。面貌和心态,我们进行与我们的影响,这些在我们身边(为好的或坏的)特别是在我们年轻的家庭成员。儿童了解甚少,有什么影响他们的世界超出了居委会,民政,往往是奇异中心的社会和经济的互动。

Who leads the family economy?  We do.  The adult family member’s actions, attitudes and behaviors concerning money and economic decisions influences the short and long term outcomes of our lives.  If we are going to succeed and grow as humans within the larger national or global economy, then we better start with our behavior at home.谁导致家庭经济呢?我们做的。成年家庭成员的行动,态度和行为有关的金钱和经济决策的影响,短期和长期的成果,我们的生活。如果我们要成功,并成长为人类与大国家或全球经济,那么我们更好地开始与我们的行为在家里。

So rather than worry about the global economy and wringing our hands each day over things we can’t control, I think it’s essential to take a long term view and a more practical approach toward what do have control over.  There are many things we can do to improve our family economy and our future:所以,而非担心全球经济和捶胸顿足我们手中的每一天以上的东西,我们无法控制,我认为它的,必须采取一个长期的看法,较为实际的做法,对什么有控制权。有很多事我们可以做的,以改善我们的家庭经济和我们的未来:

  • Do your best: Whatever your job, do the best you can each day, stay focused and be consistent.  There’s nothing an employer likes more than someone who is dedicated, competent and reliable.  If downsizing comes to your career field or employer, you just may be someone who is retained because of your dedication. 这样做您最好的:无论你的工作,尽最大努力,您可以每一天,逗留和重点是一致的。没有什么雇主喜欢多有人谁是专用的,称职的和可靠的,如果缩编到你的事业领域或雇主,你刚才可能是有人谁是保留,因为您的奉献。
  • Increase your skills: If you’re looking for a new job, make yourself as competitive as possible based on education, training and skills.  Maybe it’s time to change careers anyway. 提高您的技能:如果您正在寻找一份新的工作,作出自己的竞争力,尽可能立足于教育,培训和技能,也许它的时间,改变职业,无论如何。 If you need more education and training, find a way to get it.  Seek counseling at schools and local career or community centers that can direct you to new programs.  There are many jobs out there, but you may need to move or modify your life situation to tap into that job stream.如果您需要更多的教育和培训,找到一个方法获取它。寻求辅导在学校和当地的职业生涯或社区中心,你可以直接向新的程序,有许多就业机会在那里,但您可能需要移动或修改您的生活情况进军求职流。
  • Change your family’s economy: That’s right, we must take charge of our family economy!  Not only with our attitude but our daily behaviors: By the way we spend, save and consume. Take a good look at your spending and saving habits, and how efficient your life at home is.  Can you cut back in certain areas such as travel or using electricity?  Is it time to re-think the budget for how often you eat out? Are there better ways to save money while shopping ?  Are there things you can do at home that you were paying someone else to do before?  I think many of us are going through that exercise right now, but it can make a huge difference in our family’s lives. 改变你的家人的经济:说的权利,我们必须采取负责我们的家庭经济!不仅与我们的态度,但我们的日常行为:通过这样,我们花费,储存和消耗。采取一个好的看看你的支出和储蓄习惯,以及如何有效率的您的生活在家里是你能削减在某些领域,如旅行证件或使用电力?现在是时候重新考虑预算如何,往往你吃了吗? 是否有更好的方法来节省金钱的同时,购物是否有东西,你可以做在家里,你付出别人做之前呢?我觉得我们许多人都经历行使的权利,现在,但它可以使一个巨大的差异,我们家庭的生活。
  • Manage debt responsibly: Most of us have debt of some kind- mortgages, auto loans, credit cards.  Some of this debt may be necessary and can be used responsibly.  But staying out of debt is always a good thing.  Pay off the credit cards, and consider not using them. 管理债务负责任的:我们大多数人的债务有一些善良的按揭贷款,汽车贷款,信用卡,有些债务,这可能是必要的和可以负责任地使用,但在下榻的摆脱债务始终是一件好事。还清信用卡,并考虑不使用他们。
  • Increase Savings: If you can’t sleep at night because you’re too worried about the stock market or your investments, then it’s time to re-think your investment approach.  Maybe you need more cash on the sidelines, or a bigger emergency fund.  If so, then do it!  Start saving a little each week, or re-direct your current allocation to a more conservative approach. Look at how much money you’re investing, and direct some money towards a savings account or money market fund.   But remember! 增加储蓄:如果你不能彻夜难眠,因为您太担心股市或您的投资,那么它的时间重新考虑您的投资方式,也许您需要更多的现金观望态度,或更大的紧急基金。如果是的话,那么这样做!开始储蓄一点,每星期或转口的直接您目前分配到一个较保守的态度,看看多少钱,您的投资,和直接一些钱,对储蓄帐户或金钱市场基金。但请记住! Putting money in a low-rate account is a short-term fix.  That money won’t grow over time to beat inflation.  But it will provide peace of mind until you’re comfortable enough with a cash cushion that you can think about investing again.把钱,在一个低利率的帐户是一种短期的修正程式。钱将不会成长,随着时间的推移击败通胀,但它将提供安宁的心灵,直到您舒适与足够的现金垫,您可以想想投资再次。
  • Stay Invested: For those who think the markets will be higher in the years ahead (and count me as one of them), now is a great time to keep investing.  With indexes at multiple-year lows, this is the time dollar-cost averaging really pays off.  It’s also a time for strategic investments if you have the money to invest, and if you are investing beyond 3-5 years. Adapting to changing market conditions is important , and it may also be time to consider different investment alternatives. 逗留投资:对于那些谁认为市场会更高在未来的岁月(和计数我作为其中一人) ,现在是一个伟大的时间来继续投资。与指标在多个年低点,这是时间的美元成本平均真的划算。这也是一个时间进行战略性投资, 如果您有金钱投资,如果你是投资以后的3-5年。 适应不断变化的市场条件是很重要的 ,它也可能是时间来考虑不同投资的选择。
  • Appreciate what you have : Within and around our lives we have family, friends and circumstances that we rely on.  It’s easy to take success and abundance for granted.  Even when we are struggling, there is much to be thankful for.  If you feel like your life is so challenging that you don’t know what to do- then seek help!  Talk to a clergyman, a counselor or a medical professional.  If you just ask, there is someone who will help point you in the right direction- but you must also be willing to do something different, which brings me to my final point: 感谢你 :在靠近我们的生活,我们的家人,朋友和的情况下,我们依靠的。人们很容易采取的成功和丰富是理所当然的事。甚至当我们苦苦挣扎,有很多感谢。如果您觉得喜欢你的生活是如此具有挑战性的,您不知道做什么,然后以寻求帮助!谈一个牧师,辅导员或医疗专业,如果你刚才问,有某人谁,将有助你在正确的方向-但你还必须愿意做一些不同的,这使我想到我的最后一点:
  • Be receptive to change: Sometimes we’re so focused on our own challenges or pessimism that we’re not open to change or willing to consider new ideas. When change seems very difficult or I’m stuck in a rut, I try to remember a favorite quote by Texas Bix Bender: 接受改变:有时候,我们很专注于自己的挑战或悲观,我们正在不公开的变更或愿意考虑新的思路。变化时,似乎很困难,或者我坚持在一个车辙,我尝试记得喜欢的引语是由得克萨斯州bix弯管机:
  • When you find yourself in a hole, the first thing to do is stop diggin’. 当您发现自己在一个洞,要做的第一件事是停止diggin ' 。

    If something isn’t working for you, take a break, talk to others and see if there might be a different way around the problem.如果不为您的工作,采取休息,谈别人,看看是否有可能以不同的方式变通解决此问题。

While the bear market rears its head this election year, you’ve got to do what you must to stay sane.  But remember one thing:  The markets and the economy will be very different 10-20 years from now.  I’ma believer in the US economy over the long term.  And I see our past challenges as paving the way for our future economic well being.  When markets move up again (and they will), it’s going to be a rapid change from the lows.  You want to be in the market when that happens.而熊市rears其主管这个选举年,你要做到什么你必须保持理智。但请记住一件事:市场和经济将有很大不同年10月20日从现在开始。我的信奉者美国经济的长远目标。和我看到我们过去的挑战铺平了道路,为我们未来的经济福祉。当市场再次向上移动(他们会) ,这将是急剧变化,从低点。你希望能够市场上时,这种情况发生。

Ben Stein describes it very well : 本斯坦介绍,它很清楚

“If you know the economic past pretty well, you will also have a pretty good idea of the economic future.” “如果你知道,经济在过去相当好,你也将有一个不错的想法的经济前途” 。

“Generally, and with few exceptions, “the past is prologue.” Knowledge that the economy and various sectors go through cycles tells you that the time to buy is when securities are beaten down and hated. “一般来说,除了少数例外, ”过去是序幕。 “知识即经济和各界人士通过周期告诉您的时间购买,是当证券被毒打和仇视。 It tells you that money is made slowly, by patiently investing in widely diversified low-cost indices.它会告诉你,金钱是慢慢地,耐心地投资于广泛的多元化,低成本的指数。 It also tells you that there have been so far no endless downtrends and that journalists are not the people to trust for investment wisdom.”它也告诉你,有到目前为止,没有无休止的downtrends和记者不是人,以信托投资的智慧“ 。

That goes for bloggers too of course.  From an investing standpoint it’s hard to stay bullish over the long term while watching losses mount in the short term.  But don’t give in to short term pessimissm so that it prevents you from long term success! Can you think of any greater gift to a child or family member than teaching them how to navigate economic challenges, and even grow and succeed over the long term?  That’s the opportunity we have, and within our family economy we can make a difference.  Hang in there, and remember to appreciate what we do have each day.即便博客太当然,从投资角度看,它的努力留在牛市超过长远而看山的损失在短期内,但不给在短期pessimissm ,以便它可以防止你从长远取得圆满成功!你能想到的任何更大的礼物,孩子或家庭成员的比教他们如何浏览的经济挑战,甚至成长和成功,就长期而言呢?的机会,我们已和我们的家庭经济,我们可以作出有差别。坑在那里,记得要感谢我们做什么有每一天。

Sphere: Related Content 领域:相关内容

We’ve heard a lot about frugality in recent years.  No wonder of course that people are looking for more efficient ways to live and save money in challenging economic times.  And there’s all kinds of blogs and categories devoted to the topic of being frugal.  But what is frugality exactly?  Is it a virtue?  A character trait?  A lifestyle choice?  Frugality and being frugal means many things to many people.我们已经听到了很多关于节俭,近年来,怪不得当然,人们正在寻找更有效的方法,以生活和节省金钱,在具有挑战性的经济时代。存在的各种类别的博客和专门的议题被俭朴的,但什么是节俭,正是?是一种美德吗?性格特征?一种生活方式的选择呢?节俭和俭朴的手段很多事情,很多人。

But I’m starting to wonder if frugality is all it’s cracked up to be.但我开始怀疑,如果节俭是所有它的破获行动。 In some ways it’s like approaching the building of a house with cutting back on a few bricks here and there.  You may build the house, but will it stand the test of time?  Of course some might say it’s more about finding less costly bricks or other more efficient material, and building a house for less so you can do more with what you’ve saved.  But if one’s focus is always about saving or not using up resources, or using less of something or even of finding ways to get more from less, then what does that say about seeing value or abundance in the world around us?  How can we direct our energies more towards growth and creativity instead of focusing on not wanting certain things?在某些方面它就像接近建设一所房子与切割回就数砖头在这里和那里,你可以建立内务,但将它纳入了时间的考验呢?当然有些人可能会说,它的更多关于寻找成本较低的砖,或其他更有效的材料,并建立一个房子,那么你可以做更多的什么您保存,但如果一的重点是始终约储蓄或不使用最多的资源,或使用较少的东西,或什至寻求方法,以获得更多从不到,那么这表示什么要说的看到价值或丰富,在我们周围的世界呢?我们如何能直接我们的精力,更多的对增长和创造性,而不是着眼于不想某些事情呢?  What if we just knew that there was enough to go around, or that we could have what we needed?  Would that free up our creative focus or energy in new ways so we could better our lives or the lives of others around us?如果我们只知道有足够的去靠近,或我们可以有我们所需要的?会认为,免费了我们的创作重点的能源或新的方式,以便我们能够更好地我们的生活或他人生命在我们身边?

In some ways frugality has evolved almost as a discipline for some, even a spiritual journey incorporated within a lifestyle of simple living.  In South Korea there are Frugality Masters who help teach others how to live a more frugal lifestyle .   Of course with the economic challenges we face today many people are being forced toward a more frugal lifestyle by sheer necessity.  How many of us have cut back our driving and spending at the grocery store?  We find ourselves looking for more efficient use of our money and how to cut corners to get an alternative benefit for the same amount.在某些方面节俭,几乎已演变为一门学科的一些,甚至是精神旅程纳入一种生活方式,简单的生活。在韩国有节俭的主人,谁帮助,教导别人如何生活更俭朴的生活方式 。当然,随着经济的挑战我们今天面临的很多人都被迫走向一个更俭朴的生活方式,由纯粹的必要性。多少,我们已把回到我们的驾驶和消费在杂货店?我们发现自己寻找更有效地利用我们的钱,以及如何偷工减料,以获得另一种有利于相同数额。

Some bloggers have even explored what might happen if everyone chose a more frugal lifestyle .   I may differ with many of the assumptions, but it’s interesting to consider. Certainly our ancestors may have lived more frugally but I have no desire to return to the life of my ancestors!  Realistically, most of us do prefer more choice and opportunity in life.  And I think that economic diversity is, on the whole, beneficial to society.   There will always be degrees of economic advantage and those who leverage human capital versus those who do not.一些博客甚至探讨了可能发生的,如果每个人都选择了更俭朴的生活方式,我可能有所不同,与很多的假设,但有趣的考虑,当然,我们的祖先可能有更多的生活节衣缩食,但我没有愿望,返回到生活中我的祖先!从实际出发,我们大多数人宁愿做更多的选择和机会,在生活中。我认为经济多样性是,就整体而言,有利于社会。都会有程度的经济优势和那些谁杠杆人力资本银两这些谁不。

I do agree that society won’t make a “frugal leap” anytime soon barring a complete economic breakdown, and then it would only be in response to crisis for a time.  Although watching energy and food price inflation get out of hand feels like enormous challenge to many of us, those living in the US in fact live in the most prosperous nation on the planet with the highest quality of economic life and opportunity for the greatest number of citizens.  It’s so good in fact that most of us take it for granted.我同意社会将不会做一个“俭朴的飞跃” ,随时尽快除非一个完整的经济崩溃,然后,它只会在回应危机的时候,虽然看的能源和食品价格的通胀失控,另一方面感觉就像巨大挑战,我们很多人,那些生活在美国其实是生活在最繁荣的国家对地球与最高品质的经济生活和机会的最大数量的公民,它的那么好,其实我们大多数人采取这是理所当然的事。

Of course that could depend upon your view of economic quality!  But opportunity abounds, and we are creative and enterprising individuals.  Although I wouldn’t describe it as frugality, I do think most developed societies will continue to evolve towards conservation and efficiency with resource use.当然,可能取决于你的看法,经济质量!但机会比比皆是,而且我们的创造性和积极进取的个人,虽然我不会形容它作为节俭,我认为最发达的社团将继续演变,对养护和效率与资源使用。

For some people however, the thought of being frugal does not represent a positive value or benefit in their lives, but rather something that means being cheap or miserly, and not having enough money to make choices in life.  I don’t agree with that viewpoint, but I understand it.对某些人来说然而,思想被俭朴,并不代表正面价值或利益,在他们的生活,而是一些手段被廉价或吝啬,并没有足够的金钱来作出选择的生活,我不同意这一点观点,但我知道它。 Yet whether one is rich or poor, the act or choice of being frugal is still available.  In fact, some of the most frugal people I’ve known were quite wealthy.然而,无论是贫或富,行为或选择正在俭朴的是仍然可以使用。事实上,在一些最俭朴的人,我知道有相当富裕。

Frugality then can be independent of wealth or economic status. 节俭,然后可以独立的财富或经济地位。

I also think that a lifestyle choice of simple living is different than frugality, or maybe a separate but related approach to how one chooses to live.  Many of us are on a journey to live a more simple, economical life but we’re not always frugal.  So for me, being frugal has specific meaning at times, but is not an approach or central theme I see with all of my life.我还认为,一种生活方式的选择,简单的生活是不同的节俭,或也许一个独立但相关的方法,如何选择一个栖身之所。我们许多人都对旅程的生活更简单,经济,生活,但我们并不总是俭朴的,所以对我来说,正在构建节约型的具有特定意义的时代,但不是一个办法,或中央的主题,我看到与我所有的生活。

And as I mentioned above, something about being frugal bothers me.  Too often I see frugality wrapped up in a focus of lack, absence, need, wastefulness, etc.   It seems like many people are focusing on frugality from a perspective of losing something instead of appreciating what they do have, or making positive choices and finding opportunity for growth, financial or otherwise.正如我上文所述,一些正在俭朴的困扰我。往往我看到节俭包裹在一个焦点缺乏,缺乏,需要,浪费,等等,似乎和许多人一样,都是侧重于从节俭的角度来看,失去的东西,而是欣赏他们的所作所为,或作出了积极的选择和寻找机会的增长,财务或其他方面。

And there’s something else that I’m not quite sure that I’ve reconciled personally in terms of being frugal.  That has to do with an abundance mindset.也有一些其他我不太肯定我已经核对个人而言,被俭朴的,这已不充裕的心态。

I view an abundance mindset as one in which we see that everything we need is available to us in life in one form or another.我认为, 丰富的心态,作为一个在这方面,我们看到的一切,我们需要的是提供给我们的生活在一种或另一种形式。 It also says that we can positively, intentionally, choose a path for ourselves that brings joy and abundance to our life.  People who embrace an abundance mindset do not focus on the lack of things, or the worry that money or something will run out.  An abundance mindset knows that there will be enough money or food or whatever to supply our needs if we live intentionally to create the life we desire.它也说,我们可以积极,有意,选择一个路径为自己带来的喜悦和丰富我们的生活,人们谁拥抱了丰富的心态,不要着眼于缺乏的东西,或担心金钱或一些将一发不可收拾。丰富的心态,知道会有足够的金钱或食物或任何供应我们的需要,如果我们生活故意创造的生命,我们的愿望。

Steve Pavlina has written of the abundance mindset and shows how it’s often our perceptions that limit our ability to have whatever we want in our lives.  The opposite of the abundance mindset is the scarcity mindset, in which we limit ourselves because of our thoughts, actions or beliefs. 史蒂夫pavlina写的丰度的心态,并显示它如何的,往往我们的看法,限制了我们的能力有什么我们希望在我们的生活。对面的丰度的心态,是稀缺的心态,在这方面,我们限制自己,因为我们的思考,行动或信念。

“At an average level of income in the USA, there’s not much difference between a dime and a penny, right?  It’sa small amount either way and not particularly significant.  Would you fret over a price difference of 9 cents?  Hopefully not.  But for some people on this planet, 9 cents is a fair amount, and to pay a dime instead of a penny for something would be regarded as extravagant and wasteful.” “在一个平均收入水平在美国,有没有太大的区别一毛钱和一分一毫,对不对?这是小数目,无论哪种方式,而不是特别重要的意义。你会担心一个差价9美分?希望不会,但有些人在这个星球上, 9美分,是一个公平的数额,并支付一毛钱,而是一分一毫的东西都将被视为奢侈和浪费“ 。

“Similarly, at higher levels of income (and value creation), $10K is nothing.  It’s just a penny.  It’s insignificant.  It’s pocket change.  There’s virtually no difference between a $10K hotel room and a $100 hotel room — the price difference is meaningless, so why not pay that extra “9 cents” for a nicer setup?” “同样,在更高水平的收入(与价值创造) , $ 10K的是什么,这只是一分一毫,它的微不足道。它的口袋改变。有的几乎没有区别元, 10K的酒店客房内100美元的酒店房间-价格差异是没有意义的,所以为什么不支付额外的“ 9美分, ”一个美好的安装程序“ ?

“If you think any amount of money is “a lot” or “too much” or “extravagant,” you’re resonating with scarcity, not abundance, and you’re preventing yourself from becoming the kind of person who can generate that level of value.  Why do this to yourself?  Why hold back if you’re capable of contributing so much more?” “如果你认为任何数额的金钱是”很多“或”太多“或”奢侈“ ,您共振与稀缺,而不是丰度,和您防止自己成为什么样的人谁可以产生水平价值,为什么这样做是为了自己,为何举行回到如果您能有助于使更多的“ ?

Those are great questions.  Admittedly, sometimes it’s hard to see the abundance mindset in action, especially when you see so many poor families and children living in poverty.  It’s quite amazing too how society throws money at so many problems and yet those problems endure through the ages.  On one side of the street you may see abundance, and on the other you only find need.  Some argue that it is because of poor lifestyle choices, lack of education or unplanned challenges that need or poverty exists. And yet we find that in nearly every country and society throughout the world there are those always living at the bottom rung of the economic ladder.这些都是很大的问题。诚然,有时它的不难看出,丰富的心态,在行动上,特别是当你看到这么多的贫困家庭和儿童生活在贫困之中。这是相当了不起的太社会如何投掷金钱,在这么多的问题,但这些问题的承受通过的千古罪人。一方的街头,您可能会看到丰富,另一方面,你只需要找到。有些人认为,这是因为穷人的生活方式的选择,缺乏教育或无计划的挑战,需要或贫穷存在。然而,我们发现几乎每一个国家和社会的整个世界有那些始终生活在底层的鸣响的经济阶梯。

I think there will always be a need for people to help other people, no matter what you call it.  And maybe there is so much disparity simply because we are human.  We are all on a growing path, and many have simply not learned to embrace the opportunities available.我觉得都会有需要的人,以帮助其他人,不管你通话。也许有那么多的差距仅仅因为我们是人,我们都是在一个日益道路,很多人根本没有学到拥抱的机会。

And with that we find many views of financial abundance.  Steve Pavlina also examines how achieving financial abundance can even complicate our lives .  But more importantly he shows how it’s related to the value within and around our lives:与我们找到很多的意见,财政充裕。史蒂夫pavlina还探讨了如何实现财政充裕,甚至可以复杂,我们的生活 ,但更重要的,他表明,它如何的有关价值之内和靠近我们的生活:

“The pursuit of financial abundance is the means to shine a light on your need for growth in these areas.  To attract more abundance, you must create more value for others, which requires that you recognize, accept, and embrace your own value.” “追求丰富的金融手段是服务的轻型您的需要增长,在这些领域。吸引更多的丰度,你必须创造更多价值为他人,这就要求你承认,接受和拥护自己的价值” 。

Instead of frugality, I think a mindset of abundance offers greater benefits to the context of our lives.  Frugality may create short-term value, and it does perhaps show what we value in certain areas of life.  But does frugality help create long-term growth and the life that we want ?  Maybe it does.  Maybe we save enough money in our IRA or retirement fund because we were frugal in other areas.  But maybe we just don’t know any better.而不是节俭,我认为一个的心态,丰度提供了更大的好处的背景下我们的生活。节俭可能创造短期价值,它或许显示,我们的价值在某些生活领域,但这是否节俭有助于创造长期增长和生活,我们想要什么 ?也许它,也许我们储存足够的钱在我们的爱尔兰共和军或退休基金,因为我们是俭朴的在其他领域,但也许我们只是不知道任何更好。

Maybe with an abundance mindset we would create more. Personally, I strive to live intentionally and set a postive, constructive course of growth as the years go on.  I believe we can create the life we desire through small steps of growth, big leaps of faith and embracing the opportunities that challenge us. 也许与丰富的心态,我们会创造更多的,我个人努力的生活和故意设置postive的,建设性的过程中成长为年继续下去。我相信我们能够创造生命,我们的愿望,通过小步骤的增长,大飞跃信仰和拥抱的机会,挑战我们。

Certainly I find myself balancing the realities of economic choice with being frugal.  But I’m working towards not seeing things in life from the perspective of lack , or to live in fear that gas or money or whatever will run out.   No question that as we spend more money at the gas pump we are faced with the reality and choice of driving a car that uses gas.  Or not.  We are presented with the opportunity to make decisions that change the status quo: keep putting that gas in the car, don’t drive it, get a smaller car, etc.  Most of us just drive on, and gripe about gas prices while filling the car.  But we don’t have to!当然,我发现自己平衡的现实经济的选择与被俭朴,但我很努力,没有看到的东西,在生活角度出发缺乏 ,或生活在恐惧气体或金钱或任何将一发不可收拾。毫无疑问,作为我们花更多的钱在气体泵我们所面对的现实和选择开车使用天然气。或不是,我们是介绍与机会作出的决定,改变现状:保持这种气体在汽车上,不推动资讯科技,获得规模较小的汽车,等我们大多数人只是驱动器上,并抱怨关于天然气价格的同时,填补了汽车,但我们没有!

Our nation is challanged by that very problem as many grapple with wasting so much money on a daily commute.  We are now looking for frugal alternatives whether that be with higher mileage vehicles, or abandoning the car altogether and riding a bicycle.  But many people are angry because of the sheer economic weight of spending so much money on something that doesn’t return any excess value for the money.  At that point it doesn’t really matter what you call it, even though some people have become so frugal that it’s affecting how they drive- they’re running out of gas !我们的民族是challanged由非常问题,因为许多格斗与浪费这么多钱对每天通勤,我们现正追缉俭朴的替代品是否与更高的里程的车辆,或放弃汽车,合共骑自行车,但很多人都愤怒,因为纯粹经济的重量花这么多钱的东西,这并不返回任何超出的物有所值。在这一点上并没有真正的问题是什么,你要求它,即使有些人变得如此俭朴的,它奇摩影响他们如何驱动,他们正在运行出来的气体

But what does frugality mean to you?  I ask the question because there are so many perceptions of the word frugal based on the context of our life and experience.  I browsed several dictionaries and the words frugal or frugality have many meanings:但什么是节俭的意思,你呢?我想问的问题,因为有这么多的看法,这个词俭朴的基础上的背景下,我们的生活和经验,我浏览数字典,词或俭朴节约有很多的含义:

Frugality: 节俭:

  • Avoiding wastefulness避免浪费
  • Resourceful use of money or economic goods足智多谋的使用金钱或经济的商品
  • Careful management of anything valuable审慎理财的任何宝贵的
  • Practicing, or marked by economy实践,或为标志的经济
  • Applies what is used to a profitable purpose适用于什么是用于一个有利可图的目的
  • Opposed to extravagance反对奢侈浪费
  • Careful use of material resources谨慎使用物质资源
  • Sparing use of things不遗余力使用的东西,
  • Reduction of waste减少废物
  • Seeking efficiencies追求效率
  • Economy, thrift, parsimony经济,克勤克俭,简约

Does that cover most themes for being frugal ?   In some ways, I think frugality is a lifestyle choice.  But I have to wonder that if someone’s lifestyle gets to the point where frugality reigns over everything, then isn’t it taken to the extreme?  Doesn’t it then border on obsessive behavior in the same manner as compulsive shopping or spending money all the time?这是否包括大部份的主题为构建节约型的呢?在某些方面,我认为节俭是一种生活方式的选择,但我不知道,如果有人的生活方式,愈点节俭普遍超过一切,那么,是不是应该采取向极端?它没有边界,然后就强迫行为,在相同的方式,强迫购物,或花钱,所有的时间呢?

Perhaps most people who value frugality seek a happy medium.  I like the idea of being frugal, saving money and using our resources wisely.  It’s quite rewarding to use the materials or goods we have at hand to satisfy needs in our lives, and not having to spend money constantly.  Growing a garden in some ways represents a wonderful balance between maximizing resources at hand in order to live more economically, and being frugal by saving money we would spend otherwise.也许大多数人谁的价值节俭寻求一个愉快的中,我喜欢这种想法被俭朴,节省金钱及使用我们的资源,明智的,它的不少有价值的使用材料或货物我们手边,以满足需要,在我们的生活,和不用花钱,不断成长的花园在某些方面代表了美好的两者之间取得平衡最大限度地资源在手,为了生活,更经济,并正在俭朴节约的钱,我们会花,否则。

More importantly however, the garden creates value in our lives!  We create something with our own hands, and it provides a healthful benefit in return.  Few things taste as good as fresh vegetables you have grown and cooked from your own garden.更重要的不过,花园创造价值在我们的生活!我们创造了一些与我们自己的双手,和它提供了一个健康的利益回报。几件事味道不如新鲜蔬菜你有成长和熟的,从自己的花园。

But frugality can become a negative influence.  I’ve seen people call themselves frugal that to me are simply cheap and miserly with the money they do have.  It’s their choice and their money obviously, but I don’t see that it provides added value to their lives.  Instead it appears to create obsessive behavior and more stress in their lives.但节俭能够成为一个负面影响。我看到了人民的人称自己是俭朴的,要我纯粹是廉价和吝啬金钱,他们也有。这是他们的选择和他们的钱很明显,但我不明白,它提供了附加值,以他们的生命。相反,它似乎创造强迫行为,并更多地强调在他们的生活。

So can we find an ideal balance for managing the money and resources we have and still be frugal?   And how do we live abundantly while appreciating the life and choices that we have?  How do we let go of the scarcity mindset?  Frugality and abundance are surely not mutually exclusive, and may even complement each other.因此,我们才能找到一个理想的平衡管理的资金和资源,我们仍俭朴?以及我们如何生活非常赞赏,但生活和选择,我们怎么办我们放过的稀缺的心态呢?节俭和丰富是当然,并不是互相排斥的,甚至可能是相辅相成的。

Yet while balancing frugality and abundance, I still believe in working slowly towards living a simpler and more efficient life.  And while we make that journey I don’t want frugality to be such a focus that it involves lack or a mindset based on fear.  Rather I hope to redirect our focus at times, and find new or more creative approaches to living happily in a practical and efficient manner; to see the value that our lives represent and to leverage that value in new directions.   And I have to wonder,  isn’t life too short to make frugality a defining theme?然而,节俭的同时,平衡和丰富,我仍然相信在工作缓慢,对生活更简单,更有效率的生活。虽然我们作出这样的旅程,我不想节俭是这样的焦点,它涉及缺乏或心态,基于恐惧。而我希望重新在我们的工作重点,与时俱进,寻找新的或更有创意的方法,愉快地生活在一个实际和有效的方式;看到的价值,我们的生活,代表和杠杆价值在新的方向。我不知道,是没有生命太短,使节俭的一个决定性的主题呢?

Sphere: Related Content 领域:相关内容

If you are younger than thirty-something, you probably haven’t given much thought to Medicare or what kind of long-term care insurance you’ll have in your senior years.  For many of us, our first experience with the bureaucratic maze that is Medicare comes in our forties or fifties when we are helping aging parents navigate their health care options.  That can be a sobering experience as we realize that someday we’ll be facing those same challenges.  And for those looking ahead or living in retirement, the questions about general healthcare and medicare become increasingly important.如果你是年轻的比30 -一些东西,您可能没有多少思想,以医疗保险或什么样的长期护理保险您可以在您的高级年。对我们许多人,我们的首次经验与官僚迷宫认为,是医疗保险来在我们的四十或五十年代,当我们正在帮助年迈的父母浏览他们的保健方案。认为可以是一个发人深省的经验,作为我们认识到,总有一天,我们将面临同样的挑战。对于展望未来,或生活在退休,该问题的一般保健和医疗保健变得越来越重要。

It’s no surprise that healthcare issues are so confusing.  Most of us are still trying to figure out our financial retirement needs let alone examine how much we might need for health care in our senior years.   That’s why Long-Term Care is such an important financial planning issue.  Have you really looked at long-term health care insurance plans yet?  Most of us have not.这是毫不奇怪的医疗保健问题是如此混乱。我们大多数人仍试图弄清楚我们的金融退休需要,更遑论研究有多大,我们可能需要的医疗在我们的高级年,这也是为什么长期照护是一个如此重要的财务规划问题。你真的期待在长期的医疗保险计划,但?我们大多数人却没有这样做。

What is Long-Term Care? 什么是长期护理?

In general, long-term care insurance provides financial assistance with physical and/or emotional care for a person who is unable to perform routine activities of daily living such as bathing, dressing, preparing meals, walking, using the bathroom, staying safe in the home, managing the home, etc.  This type of care is continuous and may be due to illness or normal aging conditions.在一般,长期护理保险提供财政援助,与身体和/或情绪上的照顾一个人谁是无法执行例行的日常生活活动,如洗澡,穿衣,准备吃饭,散步,使用浴室,在下榻的安全,在家,管理家,等这类型的服务是持续,并可能因疾病或正常的老化条件。

What sets it apart from other forms of care is that it is required and necessary, and is usually due to illness, disability or some other chronic health care problem.  Long-term care typically involves a person living in a nursing home or other assisted living care facility that provides specialized medical, social or physical services.  But long term care can also be temporary due to a specific need, and is very often provided by relatives or other caregivers in the home because that’s the traditional way we help family members.  Sometimes it’s the only help someone has.什么集,它除了其他形式的照顾是,这是需要和必要的,通常是由于疾病,残疾或其他一些慢性保健问题。长期护理通常涉及一个人住在护理之家或其他辅助生活医疗设施,提供专门的医疗,社会或物理服务,但长期护理服务也可以是暂时的,由于特定的需要,很多时候所提供的亲属或其他照顾者,在家庭,因为这样的传统方式,我们可以帮助家庭成员有时,它是唯一帮助有人。

长期护理服务的成本钱!

The vast majority of us live at home in our senior years and have relatives or friends as caregivers when we need help with something.  But at some point, many people do need long-term care and it is very expensive.  Formal long term care costs often range from $30,000 to $60,000 a year or more.  According to AARP , the average US costs for long-term care are:绝大多数的我们住在家里,在我们的高级年,并有亲戚或朋友作为照顾者,当我们需要帮助的东西,但在一些点,很多人确实需要长期护理,这是非常昂贵的。正式的长期护理费用往往范围从$ 30000 ,以六万美元一年或更长时间,根据美国退休人员协会 ,美国的平均费用为长期照护是:

  • $5,566 a month for a semi-private room in a nursing home 5566美元一个月为一个半私人空间,在护理之家
  • $6,266 a month for a private room in a nursing home六千二百六十六美元一个月为一个私人空间,在护理之家
  • $2,968 a month for care in an assisted living unit二千九百六十八美元一个月为照顾在一组辅助生活
  • $19 per hour for a home health aide 19元,每小时为家庭健康助手

Those numbers can really add up, and that’s the reason that many financial planners believe that without long-term care insurance, you really don’t have a financial plan. If you’ve planned for most financial contingencies except for long term care, then what happens when you end up spending your life savings to provide care for a spouse or family member? If you haven’t planned for that possibility as well, then your financial plan may have holes in it.这些数字真的能加起来,这就是原因,许多金融规划者认为,没有长期护理保险,你真的不有一个财务计划。 如果您计划在大部分金融突发事件,除了长期护理服务,然后会发生什么当您结束了开支,节省您的生活提供照顾的配偶或家庭成员呢?如果您有没有计划为这个可能性,以及,那么你的财务计划,可能有它的洞穴。

Why should you plan for Long-Term Care? 您为什么应该将计划长期照护?
Because, at least 70 percent of people over age 65 will require some long-term care services at some point in their lives.  And, contrary to what many people believe, Medicare and private health insurance programs do not pay for the majority of long-term care services that most people need - help with personal care such as dressing or using the bathroom independently.  Planning is essential for you to be able to get the care you might need.  Source: National Clearinghouse for Long-Term Care Information因为,至少有70 %的人年龄超过65岁将需要一些长期护理服务在一些点在他们的生活。和,所说的相反,许多人认为,医疗保险和私人医疗保险计划不支付对大多数的长期长期照护服务,大多数人的需要-帮助与个人护理产品,如敷料或使用浴室独立。规划是必不可少的,你可以得到照顾,您可能需要。资料来源:国家交换为长期照护信息

Admittedly however, not everyone needs or can afford to purchase long-term care insurance .  Lets be realistic: Long-term care insurance itself is very expensive.无可否认,不过, 不是每个人都需要或可以负担购买长期护理保险 。可让现实:长期护理保险本身是非常昂贵的。 With annual costs around $2000 to $3000 for a basic policy in the early years, those cost may increase as a person gets older.  And it’s not designed as forever care. Long-term care insurance typically covers a certain period of time, for example a three to five year period.  But it can provide longer care, even over the course of a person’s liftetime, but that will be very expensive.   When do most people get long-term care insurance?  Most financial planners advise looking at it in your early to mid-fifties.  But if you wait until your sixties or seventies, the costs may become prohibitive.  The fifties provide a balance of cost of insurance versus affordability based on income and retirement planning needs.每年的费用约为2000至3000美元为一个基本政策在最初几年,这些成本可能会增加一个人得到老年人和它的设计并不作为永远的照顾。长期护理保险通常包括在某一段时间,例如一个三到五年期,但它可以提供较长的照顾,甚至超过的过程中一个人的liftetime ,但将非常昂贵。什么时候大多数人获得长期护理保险?大多数的财务规划提供意见,看它在您的年初至年中-五十年代,但如果你等到你,六十年代或七十年代,费用可能成为令人瞠目的地步。五十年代提供一个平衡的保险费用银两的负担能力的基础上的收入和退休规划的需要。

But it’s important to shop carefully and make sure you knowing what type of long-term care policy you are agreeing to.   From an historical perpsective, long-term care insurance is relatively new.  So are the laws and regulations that govern its use, and practically we are just beginning to see how it works out for people.  The concept is sound, and the need is real.  But as with other insurance products, it may be best to get a second opinion in the early years.但重要的购物小心并确保您知道什么类型的长期照护政策,您同意。从历史perpsective ,长期护理保险是相对较新的,所以是有关法律和法规的管辖,其使用,切实我们刚开始看它如何工程为人民。概念是健全的,和所需要的是真正的,但由于与其他保险产品,也许最好让第二种意见在最初几年。

For those who can afford it, long-term care insurance is just that.  Insurance to provide financial assistance in times of need.  Like many other people, I am learning how hard it is to face these realities.  When you’re in good health in your forties, fifties or sixties, it’s hard to rationalize spending a good chunk of money each month on long term care that you only might need.对于谁能够负担得起的,长期护理保险,只是保险提供财政援助,在需要的时候。象许多其他市民一样,我学习如何努力,这是要面对这些现实。当您的健康状况良好在您的,四十岁,五十或六十年代,很难合理化开支一个良好的大块钱,每个月的长期护理服务,你只可能需要。

But long term care insurance provides valuable coverage for specific life needs, just as auto or home insurance protects a family from catastrophic financial loss due to accident or disaster.  Long term care insurance protects that same family from catastrophic financial costs due to health care factors that many adults face in their senior years.但长期护理保险提供了宝贵的覆盖面为特定的生活需求,正如汽车或家庭保险保障的家庭从灾难性的经济损失,由于事故或灾难。长期护理保险保障同一家庭从灾难性的财务费用,由于卫生保健的因素许多成年人在面对他们的高级年。

And the crux of the issue is that Medicare is not going to take care of most long term care needs.  What does this mean exactly?  Well, Medicare by itself will not meet long term care (LTC) needs because Medicare only covers some home health, skilled nursing and hospice care, all of which have degrees of meaning and definitions.  Medicare does not cover custodial care such as cooking food, cleaning a home or providing nursing home related care.和问题的症结是,医疗保险是不会以照顾大多数长期护理服务的需要,这是什么意思到底?以及,医疗本身将不符合长期照护(凌特)的需要,因为医疗保险只涵盖了一些居家健康,熟练的护理及善终服务,所有这些都程度的涵义和定义。医保并不包括监护 ,如烹调食物,清洁家园,或提供相关的护理之家护理。

Medicare will help pay for home care in certain situations such as:医疗保险有助于支付家居护理,在某些情况下,如:

  • A doctor certifies that a patient is homebound, meaning it takes considerable effort to leave the home, and一位医生证明病人是在家,这意味着需要相当大的努力,离开家,和
  • The individual needs skilled physical, speech or occupational therapy services, or skilled nursing on an intermittent level (less than 7 days a week) or part-tim (less than 8 hours a day) basis.  If the medicare recipient only needs skilled nursing, they must either need it fewer than 7 days a week (even as little as once every 60-90 days) or daily (seven days a week) for a short period of time (usually 2-3 weeks), and个别需要熟练的身体,言语或职业治疗服务,或以熟练的护理对间歇性的水平(少于每周7天)或部分添(少于每天8小时)的基础上,如果医疗收件人只需要熟练的护理,他们必须要么需要少于7天内一个星期(甚至只有一次, 60-90天)或每天(每周7天)为短的时间内(通常为2-3周) ,
  • The doctor certifies the need for home care, and医生证明需要居家照护,和
  • The individual receives care from a Medicare-certified home health agency (HHA).个人获得的照顾,从医疗认证的家庭健康机构( HHA的) 。

What about other situations where Medicare does help with long-term care?   Well, if you qualify for the home health benefit, Medicare may cover the following types of care:如何看待其他的情况下,医疗帮助 ,与长期照护?好吧,如果你有资格申请家庭健康福利,医疗保险有可能包括以下类型的照顾:

1.     Skilled nursing services. 1 。熟练的护理服务。 Medicare pays in full for skilled nursing, which includes services and care that can only be performed safely and effectively by a licensed nurse.医疗自付在充分熟练的护理,其中包括服务和照顾,只可以执行安全和有效地由持牌护士。 Administration of medications, tube feedings, catheter changes, observation and assessment of a patient’s condition, management and evaluation of a patient’s care plan, and wound care are examples of skilled nursing.政府当局的药品,管进食,导管的变化,观察和评估一个病人的病情,管理和评价病人的护理计划,及伤口护理的例子熟练的护理。 Any service that could be safely performed by a nonmedical person (or one’s self) without the direct supervision of a licensed nurse is not covered.任何服务可以安全地由一个nonmedical人(或一个人的自我)没有直接监管的持牌护士是不在保险范围内。
2. 2 。    Skilled therapy services.熟练的治疗服务。 Medicare pays in full for physical, speech and occupational therapy.医疗自付在充分的体能,言论及职业治疗。 Physical therapy includes exercises to regain movement and strength to a body area and training on how to use special equipment.物理治疗包括运动,以恢复运动和力量的机构,地区和训练如何使用特殊设备。 Speech-language pathology services include exercises to regain and strengthen speech and language skills.演讲语言病理学的服务包括演习,以恢复和加强的讲话和语言技能。 Occupational therapy helps you become able to do usual daily activities by yourself, such as eating and putting on clothes.职业治疗可以帮助您成为能够做到平常的日常活动由自己,如饮食及把对衣服。 Medicare will pay for therapy services to maintain your condition and prevent you from getting worse; you do not need to have the potential to improve.医疗保险将支付治疗服务,以维护您的条件及防止您越来越差;您不需要有可能改善。
3. 3 。     Home health aide services.家庭健康助理服务。 Medicare pays in full for a home health aide if you require skilled services.医疗自付在充分为家庭健康助手如果您需要技术服务。 A home health aide provides personal care services including help with bathing, using the toilet, and dressing.家庭健康助理,提供个人护理服务,包括协助洗澡,使用厕所,和更衣。 If you ONLY require personal care, you do NOT qualify for the Medicare home care benefit.如果您只要求个人护理,你没有资格获得医疗保健家居照顾受惠。
4.     Medical social services. 4 。医务社会服务。 Medicare pays in full for services to help you with social and emotional concerns you have related to your illness.医疗自付在充分的服务,以帮助您与社会和情感的关注,您有与您的疾病。 This might include counseling or help finding resources in your community.这可能包括辅导或帮助寻找资源,在您的社区。
5.     Medical supplies. 5 。医疗用品。 Medicare pays in full for medical supplies provided by the Medicare-certified home health agency, such as wound dressings and catheters needed for your care.医疗自付在充分用于医疗用品,所提供的医疗认证的家庭