Sushi Money 寿司的钱

With the struggling economy as the larger theme of this election year, people are looking for answers.  Housing is still a hot topic for many, especially in the high-flying real estate boomtowns across the nation.  CNN/Money writes that some of the hardest hit cities may see real estate drops of 50% of more!与挣扎的经济规模较大的主题，这次选举年，人们都在寻找答案。房屋仍是一个热门话题，许多人，尤其是在高飞行房地产boomtowns全国有线电视新闻网/钱写道 ，一些最难击中的城市，可能会看到房地产下降50 ％的更多！

That’s amazing to consider, but even more amazing to me are the statistics they put out on unemployment in some of the California cities.  18%?这是了不起的考虑，但更惊人的，我是他们的统计数字，提出对失业问题的一些加州城市。 18 ％呢？ 10%?  Wow.   Numbers don’t lie, but I can tell you that I’m sitting in one of those cities as I write this, and if unemployment is that bad, you can’t tell it from all the people out shopping and running around town.  The restaurants are pretty full, the roads are crowded, the stores are open and summer is getting underway for all the kids. 10 ％呢？哇。号码不说谎，但我可以告诉你，我，坐在之一，这些城市作为我写此文，如果失业是坏，你不能告诉它从所有的人购物和四处城。食肆相当充分，道路拥挤，商店开放和夏天是越来越正在进行中的所有孩子们。

Certainly appearances can be deceiving.  After talking with some of the locals, the small business owners indicate that sales have definitely slowed down compared to a year ago.当然外表可以欺骗人。会谈后与一些当地人，小企业主表明，销售有一定放缓， 1年前相比。   With food and energy prices skyrocketing that’s no surprise these days.  But even with the slowdown in spending there are jobs to be had in service industries.  Just not the kind of jobs that replace good paying industry jobs to support larger families.  But if you’re looking for temporary or minimum wage service jobs, you can find them.与食品和能源价格暴涨，这并不奇怪，这些天，但即使与放缓，消费有就业机会，应在服务性行业。刚才不是种的职位，取代良好的支付业的就业机会，支持较多的家庭，但如果您正在寻找临时或最低工资的服务性工作，您可以找到他们。

Even with real estate, there’sa few folks looking for the bottom .  Where I’m sitting, foreclosures are still up but bidders are jockeying for position to get the best deals on houses, often bidding the price up more than listed.  Will we head up from here or just wallow around for a while?  Most likely the latter.  But those tax rebates we’ve put to work have both good and bad news to go along with them.  Consumers are spending more money with free handouts, but the deficit isn’t getting any better either.甚至与房地产， 有几个乡亲寻找底部的地方，我坐， foreclosures仍在，但竞投者争夺的立场，以获得最佳的处理上房子，往往是竞标价格以上上市。我们将头从这里或只是wallow靠近了一会儿？最有可能的后者，但这些退税，我们已经提出的工作有好有坏消息，去与他们。消费者花费更多的金钱与自由的施舍，但赤字是没有收到任何更好。

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We’re traveling around the country this week visiting family and I’ve enjoyed the time off.我们出门时左右，该国在本星期访问和我的家人已经得到时间休息。 I was curious to see, at least from the road, how the economic challenges are affecting people.我好奇地看到，至少从道，如何经济的挑战，影响人。 But it’s hard to see that there are any real economic changes simply from the number of cars on the road, or people eating out at restaurants or shopping.但很难看到有任何实质经济的转变，从单纯的车辆数目在道路上，人或外出就餐，在餐厅或购物中心。 If the nation is verging on a recession, you can’t tell it from where we’ve traveled in the western US But it’s amazing to see how high gas prices are in some states! I saw diesel fuel over $5 per gallon for the first time this week.如果国家是濒临衰退，你不能告诉它从那里我们已经走在美国西部，但它的惊人，看看如何高，天然气价格是在一些国家！我看到的柴油燃料超过5元，每加仑为第一时间在本星期。 It must be taking a huge toll on the independent truck drives which is a shame.它必须以庞大的人数就独立卡车驱动器是一种耻辱。

So most Americans seem to be going about business as usual. Of course some of us have cut back driving, and reduced spending. Even for this trip we have modified our travel plans based on fuel prices. It’s obvious that some of our weekly spending that would have gone towards discretionary expenses such as entertainment or household goods are now being diverted towards expenses for fuel and food.因此，大多数美国人似乎是去约照常营业。当然，我们有些人已把回到驾驶，并减少开支， 即使此行我们有我们的修改旅行计划的基础上的燃油价格。很明显，我们的一些周刊开支将已对任意性的开支，如娱乐或家用物品，现正转入对费用的食物和燃料。

Yet even with a struggling economy from a national perspective, there’s growth and building still taking place, especially in the commercial arena.然而，即使与挣扎的经济，从国家的角度，还有的增长和建设仍然是正在发生的，特别是在商业舞台上。 While home builders are sitting idle and struggling for sales, the foreclosure markets are heating up.而在家的建设者正坐在闲置和奋斗的销售，该赎市场升温。 And the commercial builders are still making new plazas and storefronts for mini-restaurants and niche stores.和商业的建设者仍然作出新的广场和店面为小型餐馆和商店利基。

Is the nation getting ready for the next leg up in the business cycle?是国家准备在未来一站起来，在商业周期？ In some places it appears that way.在一些地方看来，这样的。 But so much depends on where we go from here. It’s kind of like waiting for the other shoe to drop. Will we start back on the road towards growth or do we continue a long slide towards recession?但在很大程度上取决于我们下一步从这里，它的种一样，等待其他鞋下降。我们将开始回对道路的增长，还是我们将继续长期下滑对经济衰退？

It’s good to see the dollar strengthening on comments from Bernanke, but not so good to see that它的好，看看美元加强对贝南克的评论，但并不好地看到， Sen. Obama wants to tax the oil companies . All for the national good right? But someone tell me how those costs are not going to be passed on to consumers? Ultimately that will be a tax on you and me. 参议员奥巴马要税，油公司所有，为国家良好的权利呢？ ，但有人告诉我，如何这些费用并不是要转嫁到消费者？最终这将是一个税，你和我。

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For most of us in the US prices at the gas pump are ridiculously high.  It would almost be funny if it wasn’t such a crucial issue for the national economy and consumers.  When I filled the tank the other day it was staggering to see the difference in cost from just months ago.  We don’t know if gas prices will remain high or continue higher in the years ahead, but global demand is still growing which makes it likely. These prices are almost inconceivable in some ways, and when you’ve got to make a long commute each day it’s hard to reconcile paying a larger chunk of the monthly budget to get the same amount of miles out of a vehicle.  Those chunks of the monthly budget add up to real dollars over time- dollars that we are giving up in saving for our future retirement security.对我们大多数人在美国的价格在气体泵，可笑不高，它几乎可笑的，如果没有这样一个关键的问题，为国民经济和消费者的利益。当我填补了坦克，其他天是惊人，看看的差异，费用从刚才个月前，我们不知道，如果天然气价格将保持较高或继续高在未来的岁月，但全球需求仍在增长，这使得它有可能，这些价格几乎是不可思议的在某些方面，和当你要作出一个长期通勤每一天，它的难以调和付出了较大的大块的每月预算得到同样数额的英里出来的车辆，这些大块的每月预算最多添加真正的美元，随着时间的推移-美元，我们放弃了在节水为我们今后的退休保障。

Many people in Europe or other nations have little empathy for US drivers, but our country is so large that many of us routinely drive for an hour or more one-way to work each morning.很多人在欧洲或其他国家没有什么同情，美国的司机，但我们的国家这么大我们许多人经常驱动器为一小时或以上的一程的工作，每天早上。 It’s not uncommon for many of us to put over 75 or 100 miles on the car each day.  It’sa fact of life based on our geography that many of our own citizens often forget.  Those of you living in the city or suburbs of a large metropolitan area may not commuite or drive quite as far.  But many other people live in rural areas far from any metropolitan city and must not only drive long distances to work, but also to see a doctor, receive medical care or simply shop for groceries.它的并不罕见，对我们许多人把超过75或100英里的汽车每一天。这是生活中的事实的基础上，我们地理有许多我们自己的公民往往忘记那些你生活在城市或郊区一个大的都会区未必commuite或驱动器相当，据，但其他许多人生活在农村地区，远离任何大都市和不仅要长途跋涉驱动器的工作，但也看医生，接受医疗或干脆店为杂货。

Obviously some of us drive vehicles that use a lot more gas, and it’s dawning on a lot more people that the money we spend for gas is simply being wasted on gas fumes.  Sure we love our big cars and trucks, but at what point are we willing to give up our future retirement security by driving a comfortable car?  Do we really need such a big car?  Maybe. But I believe that more Americans will give up the luxury of a larger car for the convenience and economic bonus of driving a smaller car.显然，我们有些驾驶的车辆已经使用了大量更多的天然气，以及它的曙光就很多更多的人认为，钱我们花气只不过是被浪费对气体烟雾。肯定我们爱我们的大轿车和卡车，但在什么点是，我们愿意放弃我们的未来退休保障驾驶舒适的汽车呢？我们真的需要这么大的车呢？也许，但我相信，更多的美国人将放弃奢侈的一个较大的汽车，为方便和经济红利驾驶较小的汽车。

Most of us will never really understand the reasons for the runup of oil prices.  Demand is obviously a huge issue worldwide and speculation is being looked at more closely for the impact to high prices .    It is somewhat amazing that large investment banks can control enormous trading positions in oil and gas reserves.  Even billionaire George Soros sees much of the energy price runup due to “craze-following” behavior by financial institutions.我们大多数人永远不会真正了解的理由是为runup石油价格的需求，显然是一个巨大的问题，全球和投机是正在研究更紧密地为影响到高价格 ，这是有点令人惊讶大型投资银行可以控制庞大的贸易阵地在石油和天然气储量，甚至亿万富翁索罗斯认为，大部分的能源价格runup由于 “ 热-以下”的行为 ，由金融机构。

But regardless of the cause, the energy crisis is here and is causing a major shift in US consumer behavior.  The media has begun reporting on the extinction of gas guzzlers in the US as well as how American companies are reeling from energy costs .   US consumers have cut back on gasoline use for the third month in a row, and the airlines are struggling as never before as corporate costs will continue to be passed to consumers.不过，无论事业，能源危机是在这里，是造成了重大转变，美国消费者的行为。传媒已开始对报告的灭绝气体guzzlers ，在美国 ，以及如何美国公司缫丝从能源成本 。美国消费者削减对汽油的使用，为连续第三个月，与航空公司挣扎，因为以前从未作为企业成本将继续予以通过给消费者。

“Pressure from higher energy costs is already being felt, with Kimberly-Clark announcing it intends to raise prices on its consumer goods products 6 percent to 8 percent in the third quarter. “压力来自高能源成本是已经感受到，与金佰利宣布它打算提高价格，就其消费品的产品， 6 ％至八％ ，在第三季度完成。 The maker of Kleenex tissues and Huggies diapers said higher energy and raw materials costs were to blame for the price increases.”制造商kleenex组织和huggies尿布说，较高的能源和原材料成本分别是咎由自取价格上涨“ 。

We’re seeing price increases all around with food, energy and a greater number of retail goods.  The point is simply that high gas prices and the related impact on the family budget are a very real personal financial planning and retirement issue .  In what way?  Based on the cost of ownership of various vehicles, including how much it costs to put gas in the tank.  Don’t get me wrong, this is a free country and I love a big vehicle to move people and stuff around when I need it.  But when I need it is the important part of that sentence.  Most of us are realizing that we don’t really need quite as much car or truck as we thought we did.我们所看到的价格上升，与周围的所有食物，能源和数目更多的零售商品。一点很简单， 高油价和相关的对家庭的影响财政预算案是一个非常实际的个人财务规划和退休的问题 。在以何种方式？基础上， 拥有成本的各种车辆，包括多少成本，把天然气在坦克。不要误会我的意思，这是一个自由的国度和我爱的一大汽车动议人民和周围的东西，当我需要。但是， 当我需要它是重要组成部分，这一句。我们大多数人意识到，我们不真正需要相当多汽车或卡车，因为我们认为我们没有。

The New York Times describes how we’re staggering under the cost of $4 gas while examining the cost of ownership of various vehicles, and why consumers are changing their minds about what they’ll buy and drive these days:新纽约时报介绍了如何惊人，我们正在根据成本4元的天然气 ，而研究的拥有成本的各种车辆，以及为什么消费者改变他们的思想是什么，他们会购买和驱动这些天来：

“While the F-250 costs $100,000 and a fully loaded F-150 — the better-known, smaller Ford pickup — costs about $70,000, a Ford Focus still costs less than $40,000 over five years. “虽然架F - 250成本一十○点〇 〇万美元和满载的F - 150 -更好的知名度，规模较小的福特皮卡-成本约7万美元，福特Fo cus仍是成本低于四点〇 〇 〇万美元超过五年。 A Honda Civic Hybrid does, too. 1 本田Civic混合是否也。 A Toyota Prius costs only a little more. 丰田Prius普锐斯的成本只多一点。 A Subaru Outback station wagon runs $50,000 or so.” 1斯巴鲁人烟稀少的旅行车运行五点〇 〇 〇万美元或使“ 。

“To put this in perspective, the difference between a Focus and an F-250 over five years is $60,000. “把这个角度来看，区别的重点和1架F - 250超过五年，是六点〇万美元。 The annual pretax income of a typical family in this country is also about $60,000.每年的税前收入的一个典型的家庭在这个国家，亦是约六点○万美元。 So choosing a F-250 over a Focus is like volunteering for a 20 percent pay cut.因此，选择的F - 250以上的重点是一样的志愿工作了20 ％减薪。 The relative resale values might cushion the blow a little, but not much.”相对转售的价值可能缓冲的冲击小，但没有太大的“ 。

“That’s why more people are deciding that towing capacity and the other benefits of pickup trucks and SUV’s are not worth the costs. “这也就是为什么有更多人决定指出，牵引能力和其他的好处，皮卡和越野车的，是不值得的成本。 The F-250 may still make sense for some business owners.的F - 250仍然可以作出明智的一些企业主。 But, as Mr. Fisher says, on those few occasions when the rest of us need to move some horses, we can rent a truck.但是，正如费希尔先生说，对那些几次当我们其余的需要提出了一些马匹，我们可以租一辆卡车。 “The new economics of car buying is, ‘Don’t overbuy,’ ” he told me. “新经济学，汽车购买量是， '不overbuy ， ”他告诉我。 “Buy something you’re going to need most of the time.” “买东西，你要去最需要的时间” 。

That’sa great example for the impact of gas prices based on the type of vehicle we drive (it’s still somehwat incredible to me that US automakers have been so ill-prepared to deal with this shift in need and demand!). that'sa的伟大榜样的影响，天然气价格的基础上，车辆类型，我们的驱动器（它仍然somehwat难以置信，我认为，美国汽车制造商已使虐待准备应付这种转变，在需要和需求！ ） 。

But sky-high gas prices affect everything, including retirement security for you and me.  What are we giving up in future dollars and earnings simply to drive that big truck around town?  If I were to run the numbers it would be staggering.  Think of  the tremendous amount of money over time and it’s not hard to see how $30,000 to $40,000 over five years can become an incredible sum of money.  So what we drive each day and how much money we spend on it can make an enormous difference in our ability to save discretionary income for retirement.但高企的油价影响一切，包括退休保障，为你和我是什么，我们放弃在未来美元和收入，只不过是驱动器，大卡车周围的城市呢？如果我参选的人数便惊人。想到的巨大数额的金钱随着时间的推移，它的不难看出，如何三点〇 〇 〇万美元，以四零零零零美元超过五年可以成为一个不可思议的这笔钱，那么我们的驱动器每一天多少钱我们花就可以作出巨大的差异我们的能力，以节省酌情收入的退休生活。

It’s not all about gas prices either.  While we continue to see price increases at the grocery store, it’s only a matter of time before wage increases won’t keep up.   The fact that wage inflation is under control right now may be more due to widespread economic challenges rather than anything else.  As the business cycle heats up again in the years ahead I have to believe we’ll see stronger inflationary pressures and rising interest rates all around. Fuel prices may be even higher.  If it costs more to live in the years ahead we need to think hard about how much money we’re willing to give up from savings right now.   Every dollar we save by driving a higher mileage vehicle means more dollars saved in the years ahead.它的，并非所有关于天然气价格。同时，我们继续看到价格上升，在杂货店，这只是时间的问题之前，工资增长将不会跟上。事实，即工资，通货膨胀受到控制的权利，现在可能更由于广泛的经济挑战，而不是比任何事情都重要。作为商业周期的再次升温，在未来的岁月，我相信我们将看到强大的通货膨胀压力和利率上升，所有靠近。燃油价格可能还要高。如果成本更要活在未来的岁月，我们需要思考，努力约多少钱我们愿意放弃从储蓄的权利，现在，每一个美元，我们节省驾驶较高的飞行哩数，车辆意味着更多的美元储存在未来的岁月。

With that said, it’sa pretty good time to re-think the monthly budget, and and how much we’re willing to spend each year on fuel costs.  I’m not willing to sacrifice my future retirement security by spending so much money on gas.  Like many people I’m just not sure what I’ll do about it yet.  But I suspect a better mileage vehicle may be in our future.与说，这是不错的时间去重新思考的每月预算，以及有多少我们愿意花，每年的燃油成本，我不是愿意牺牲我的未来退休保障由花这么多钱就气体。和许多人一样，我只是不知道是什么，我会做它，但，但我猜想更好的里程的车辆，可在我们的未来。

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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在最近几年。无怪乎当然，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？

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So now we read that many consumers are spending their tax rebates to cope with the soaring cost of living ?   No kidding!  It should be no surprise to anyone that inflation is taking an enormous chunk out of the typical family’s monthly budget.所以现在我们看到许多消费者消费退税，以应付高涨的生活费用 ？没有开玩笑！它不应该感到意外，任何人都认为，通货膨胀是一个巨大大块出典型的家庭的每月预算。

In some areas we are cutting back and spending less money.  But the real problem for consumers is that we’re spending more money and getting less for it than ever before! 在一些领域我们是削减开支和更少的钱，但真正的问题，为消费者的是，我们正在花费更多的金钱和越来越少，因为它比以往任何时候都！

I haven’t run the numbers, but I know we’re paying a lot more for basic needs this year, and it really has changed our driving and consumption behavior.我并没有运行的数目，但我知道我们正在付出了很多，为更多的基本需要，今年，它真的改变了我们的驾驶执照和消费行为。

Joseph LaVorgna, chief US economist at Deutsche Bank, thinks at least half the rebate money may go toward energy costs alone.约瑟夫拉沃格纳，首席美国经济学家在德意志银行认为，至少有一半回扣的钱可能走向能源成本。

“It’s not going to give you the bang for the buck as originally envisioned,” he said. “这不是去给你帮为推卸责任，作为最初设想， ”他说。 “The odds of it having a longer-lasting impact on the economy are less. “的赔率，它有一个较长的持久的对经济的影响较少。 … People were not planning to use so much of it on energy and food.” …人不打算使用这么多的资讯科技，能源和食物“ 。

Diane Swonk, chief economist for Mesirow Financial in Chicago, also estimates that consumers will spend more than half of the rebates — but much of it on the higher cost of living, citing evidence of a “very stressed consumer.”黛安swonk ，首席经济学家mesirow财政在芝加哥，亦估计，消费者将花一半以上的回扣-但大部分是对成本较高的生活水平，引用的证据是“非常强调消费者” 。

Although the government formally says inflation is under control, you don’t have to walk very far to find people who are paying for huge increases in food, transportation, and services.   We are seeing “fuel surcharge” on receipts and big ticket items more frequently.  And when we head to the airport next week to visit relatives for 10 days, we may have to pay for our checked baggage.虽然政府正式表示，通胀受到控制，你不用走很远，找人谁付出的巨大增加，在食物，运输和服务。我们看到了“燃油附加费”的收据和大项目的门票更经常。当我们去机场下周来港探亲10天，我们可能要付出我们的托运行李。

There’s supposed to be multiple investigations taking place in the commodities markets. It’s never that simple, but maybe the government will close a few loopholes and change the laws that allow rampant speculation in the energy markets.还有的是为了多个调查正在发生的商品市场，这是从来没有这么简单，不过也许政府将关闭数的漏洞和变化规律，使猖獗的投机活动，在能源市场。

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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。

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:医疗保险将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健康机构，如伤口敷料和导管，需要您的照顾。
6.     Evaluation services. 6 。评估服务。 Medicare pays for evaluation services if performed by a skilled nurse or therapist.医疗保险支付的评价服务，如果由一个熟练的护士或治疗。
7. 7 。     Durable medical equipment.耐用医疗设备。 Medicare pays 80% of its approved amount for certain pieces of medical equipment, such as a wheelchair or walker.医疗自付80 ％的核准数额为某些件医疗设备，如轮椅或沃克。

Obviously it is best to thoroughly research your situation, talk with an informed health care provider, and seek counseling assistance if necessary.  Did you know that your State Health Insurance Program has representatives available to discuss Medicare related issues with you?  If you have questions or concerns, you can call a toll-free number at this Medicare page and speak to someone within your State about Medicare issues .  These