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9 THINK ABOUT LONG-TERM CARE.
考慮長期護理。
About 70 percent of us will need long-term care at some point.
大約70%的人從某一刻開始就需要長期護理。
Standard medical insurance doesn't cover it, and the costs are mind-boggling.
標準的醫(yī)療保險不包括它，而且費用令人難以置信。
Consider: A private room in a nursing home costs $92,345 per year on average.
想一下：養(yǎng)老院的單人間平均每年花費92345美元。
Long-term care insurance is one option, but it can be expensive and difficult to qualify for.
長期護理保險是一種選擇，但它可能很貴，而且很難符合資格。
Author and financial planner Thomas C. Corley says
作家兼理財規(guī)劃師托馬斯·C·科利表示，
he likes new hybrid policies that combine life insurance with long-term care coverage.
他喜歡將人壽保險與長期醫(yī)療保險相結(jié)合的新型混合保險。
You can use the death benefit for long-term care costs,
你可以用死亡撫恤金來支付長期護理費用，
but if you don't need help, your heirs get the payout when you pass away.
但如果你不需要幫助，你的繼承人會在你去世時得到這筆錢。
10 TAKE A BREATHER. Can't get outside today?
歇口氣。你今天不能出去嗎？
A simple way to feel happier, reduce stress,
一個讓你感覺更快樂，減輕壓力，
and raise your energy is to take short time-outs throughout the day to focus on your breath.
提高你的能量的簡單的方法就是，在一天中花一些時間來專注于你的呼吸。
It's easy: Simply close your eyes and take a few deep, slow inhales and exhales, focusing on nothing else.
這很簡單：只要閉上眼睛，慢慢地深吸幾口氣，然后呼幾口氣，不要把注意力集中在其他任何事情上。
The benefits are physical and mental-studies show that controlled deep breathing slows your heartbeat,
它可以帶來身體上和精神上的好處-研究表明，有控制的深呼吸會減緩心跳，
relaxes your muscles, and stabilizes your blood pressure.
放松肌肉，穩(wěn)定血壓。
11 BEWARE OF ACTIVELY MANAGED INVESTMENTS.
注意主動式管理基金投資
Low-fee index funds track the returns of an investment index,
低費用指數(shù)基金可追蹤投資指數(shù)的回報，
such as the S&P 500, and they cut your risk because you're investing in hundreds of stocks instead of just a few.
比如標準普爾500指數(shù)，它們降低了你的風險，因為你投資了幾百只股票，而不是幾只。
They also outperform most actively managed funds over time.
隨著時間的推移，它們的表現(xiàn)也會好于大多數(shù)主動式管理基金。
When Leif Kristjansen of Toronto first started investing,
當多倫多的利夫·克里斯簡森開始投資時，
he spent hours analyzing annual reports and picking individual stocks and funds.
他花了幾個小時分析年報，挑選個股和基金。
Then I realized my in某一個dex funds were doing as well as my heavily researched investments, and they took no brainpower," he says.
然后我意識到，我的指數(shù)基金表現(xiàn)得和我經(jīng)過大量研究的投資一樣好，他們不需要動腦筋，”他說。
Now Kristjansen, who retired at age 32, invests almost entirely in index funds.
現(xiàn)在32歲退休的克里斯簡森幾乎全部投資于指數(shù)基金。
