keyon0910

@@@@@' " 'What,' I asked, 'is The Silver Bullet?' "She shrugged, 'If baby boomers discover they don't have enough money to live on when they're older, they can always blow their brains out'" Karpel goes on to explain the difference between the old Defined Benefit retirement plans and the new 401K plans which are riskierIt is not a pretty picture for most people working todayAnd that is just for retirementWhen medical fees and long-term nursing home care are added to the picture, the picture is frighteningIn his 1995 book, he indicates that nursing-home fees run from $30,000 to $125,000 per yearHe went to a clean no-frills nursing home in his area and found the price to be $88,000 a year in 1995 Already, many hospitals in countries with socialized medicine need to make tough decisions such as "Who will live and who will die?" They make those decisions purely on how much money they have and how old the patients areIf the patient is old, they often will give the medical care to someone youngerThe older poor patient gets put to the back of the line So just as the rich can afford better education, the rich will be able to keep themselves alive, while those who have little wealth will die So I wonder, are workers looking into the future or just until their next paycheck, never questioning where they are headed? When I speak to adults who want to earn more money, I always recommend the same thingI suggest taking a long view of their lifeInstead of simply working for the money and security, which I admit are important, I suggest they take a second job that will teach them a second skill Often I recommend joining a network marketing company, also called multilevel marketing, if they want to learn sales skillsSome of these companies have excellent training programs that help people get over their fear of failure and rejection, which are the main reasons people /j are unsuccessfulEducation is more valuable than money, in the long run When I offer this suggestion, I often hear in response, "Oh that is too much hassle," or "I only want to do what I am interested in To the statement of "It's too much of a hassle," I ask, "So you would ; rather work all your life giving 50 percent of what you earn to the government'" To the other statement-"I only do what I am interested in"-I say, "I'm not interested in going to the gym, but I go because I want to feel better and live longer Unfortunately, there is some truth to the old statement "You can't teach an old dog new tricks Unless a person is used to changing, it's hard to change But for those of you who might be on the fence when it comes to the idea of working to learn something new, I offer this word of encouragement: Life is much like going to the gymThe most painful part is deciding to go Once you get past that, it's easyThere have been many days I have dreaded going to the gym, but once I am there and in motion, it is a pleasu