Even if the state's welfare is very good now, the hospital can reimburse 60 percent, but there is still 40 percent that you need to pay for yourself. The other day, I had a day in the middle of the night when my stomach was very bloated, bloated to the point where I couldn't stand it, probably because I ate too much during the day, plus I was constipated and couldn't get it out, so I went to the hospital. I thought I'd prescribe some corkscrew on the line, but the doctor asked me to be hospitalized for observation.
I'm not sure what I'm talking about, but I'm not sure if I'm going to be able to get a good deal on a new product. I didn't agree with the cleansing, and then the doctor said that it would have to be hospitalized for observation, and this little flatulence made me stay in the hospital for three days, and every day I needed to lose six bottles of liquid, and then I was reimbursed by the medical insurance and spent more than 2,000 yuan.
So the elderly must save a little more money, after all, now the hospital is still too expensive, to the old age, the body has a disease more difficult to recover, which means more days to live in the hospital, spend more money. And if you run into a serious illness, you need surgery to open up, and by then the cost of surgery, hospitalization, and nursing ...... two hundred thousand may not be enough!
And even when you reach old age, you have not been sick and your body is particularly good. That would mean that one might have to live to be eighty or even ninety one hundred years old, and after reaching seventy-five one would have to go to a nursing home or hire a caregiver. That's another big expense, and a pension might not even be enough, so it's better to save more.
In fact, some people live a long life and can live to be more than 100 years old, in addition to their acquired proper nutrition, but also with their genes in the "longevity tendency" related, and longevity tendency of the high people generally can live a long time, and need to save a little more money. Nowadays, with the advancement of technology, a simple genetic test can tell you the likelihood of longevity, after all, longevity and genetic inheritance have a lot to do with each other.
I know that some people will say that it is better to rely on your children to provide for you in your old age than to save money. But I personally think in order to have a happy old age, or have to save more money, which is not to say that I do not believe that their children are a filial son. I just think that when they are sixty years old, their children are forty years old, they are in their middle age, their children and to go to school, and to get married and buy a house, or not to give them so much pressure is better.
In short, after the age of sixty, the more savings or the better, the more savings means the more high-quality life in old age ~
People to sixty, may run most of the life of the money has been for the children's schooling, marriage to the tossed out, only left the house and the pension, the general situation, ah, the pension is enough to support the life. But for the future long-term consideration, part of the people are not willing to drag children, part of the people can not count on, so we must save some money to make the heart solid.
The village Wang 70 years old, three sons and two daughters have long been married, the old man living alone, there is a house with a pension, but there is no savings, and then got the hospital to check the cancer, the operating costs of the children are shared, each son or daughter of 100,000 or so, the old man is very guilty of the rural people to save 100,000 dollars is how not easy ah, but also just helpless. But this situation is still perfect, in case some of the sons and daughters can not get this money, someone is not willing to come out how to do, in the countryside, this is not something new, in order not to have this embarrassment, the elderly must have savings.
The old man has done for the sons and daughters of the due diligence, then the deposit is only for their own retirement, so how much money is appropriate to save it. I think three hundred thousand is already enough, there is a pension can maintain the daily life, have a disease, two hundred thousand used for treatment, I personally feel that if two hundred thousand dollars can not cure the disease, then basically it is also very difficult to cure, there is no need to spend so much money to the hospital to fill the pit. The remaining 100,000 is for the cost of hiring a caregiver in a state where you can't take care of yourself.
With this three hundred thousand dollars, the heart will have a bottom line, so you can enjoy your old age with peace of mind. But as an old man of sixty years of age or more, where to go to save this three hundred thousand dollars? This is the most central problem of the old age.
After 60 years of age, there is a pension, there is a house still need how much savings to spare?
This is a question for the elderly to ponder. According to the normal life expectancy of death, the elderly are now around 80 years old, that is to say, there are still about 20 years in the living time.
The first thing you need to do is to live in a house. The first thing that you need to do is to get a pension. If you have a pension, it doesn't matter how much money you save. From the beginning of retirement, in addition to their own expenses, the rest of the money saved up, in case the old life can not take care of the need. This is a must.
As a retired senior citizen, daily living expenses do not require much money, generally 30% of the pension is about the same. Retired, in a family, has been the elders, so the human courtesy, a variety of customs that is to cope with, this project is a lot of money.
If the body is still strong, there is no other major disease, the monthly pension or a little balance. Even if there is a disease, all have medical insurance, the money they spend is not too much.
But when people get old, their health declines and they can't take care of themselves, so they have to think about whether to go to a nursing home or hire a nanny or a caregiver to take care of them at home. This is not a small amount of expenditure, the specific number should be based on the local standard of living and my affordability, according to their ability to do so!
I guess people will say, you don't have children, won't they take care of you? Of course, they will. But you have to consider that they are not young, we have reached the age of 80, 90, children also reached the age of 60 or so, but also into the ranks of the elderly, they also have more than enough. In addition, they also have their own things, some may still be at work, some may not be around themselves, some may still be working for their children and grandchildren, and do not have much time and energy to take care of you every day. In addition, nowadays, the standard of living has improved, and the medical level is constantly improving, so even if there is a disease or a pain, it will not end your life. This has a long nursing process, the old saying "no filial son in front of the bed for a long time". This is true. As long as it is cared for the elders of the children know, a year and a half, children care, but also can take turns to take care of their parents, if it is an only child, that the burden is particularly heavy. In addition, three years and five years of such a drag, anyone can not eat, the past people must know the pain.
In this case, it is necessary to hire someone to take care of care of the elderly caregiver, wages are not low, and food and shelter, the expenditure is not small. In addition to older people, sick in the body, temperament is naturally not very good, caregivers, nannies are difficult to tolerate, and often change, wages naturally have to be high. Nursing institution fees are not low. So this time with money like water, if you do not save this money, relying on the children out of this expenditure, they have to contribute to the effort, and money, natural can not afford.
The elderly want to think of death to live with dignity, must have to save some money, as to how much, that depends on your own conditions.
However, with the continuous development of society, the state of old age will also make the corresponding policy, the real government can achieve old age, old age medical care, when the old age does not need to save too much money, I do not know whether we can catch up?
The subject of this question I think so, first of all, China's current social situation has been trending in the aging, the elderly pension problem is not only the national government is also now about to enter the twilight of the middle-aged people to consider. When we are old, we want to have a house? A car? Have a pension? Have savings to spare? These are not the most important, of course, is also their own peaceful old age essential conditions, I think the most important thing is a healthy body. I think the most important thing is the health of the body.
Moderate exercise It is well known that people who love sports have a good body, and moderate exercise is not only good for physical health, but also good for mental health. A moderate amount of activity will make the mood happy. Excessive exercise causes the body to overload, not only is not conducive to health, but also will cause harm to the body. Take running as an example, running is a very good fitness exercise, running a few thousand steps a day are fine, but there are news reports that someone in order to lose weight for fitness running every day more than 20,000 steps, is a direct result of regression knee joint damage serious. The specifics are not much to say, as long as the exercise in moderation is good, due to the different strength of the individual physical quality is also different.
Reasonable diet, quit smoking, quit drinking Reasonable diet should be nutritionally balanced, some older people especially love to eat meat, my father is so, and sometimes eat a lot of meat food at night, resulting in some of his body obesity, there are a number of obesity and illness, the most obvious is high blood pressure. So I would advise him to eat meat at noon and light food at night to control his diet. The most important thing to remember is that you can't touch the food, and you can't touch the food.
The old man has a companion It's like what people say, the young man and his wife are companions in their old age. See around a lot of older people have a companion will be different, whether it is going out to sneak around to buy things, will be with each other. What are the old people most afraid of? I think it should be lonely, children are not around, no friends to talk to, no companion. That's why a lot of old people find it hard to leave their hometowns. Finally send a diet and health song to all the elderly friends. Personal a little immature ideas do not like do not spray thank you.
Currently our country's family life model: live with their children, responsible for the daily lives of grandchildren, have a house, have a retirement fee of about 1,000 are enough to spend, the elderly life is not much desire, there is not too much desire. In addition to eating a mouthful of food other than not much expense, see a doctor all go social security, occasionally buy medicine money is enough. The balance of the children to buy some toys, snacks and so on.
And most of the elderly can also save some money, the balance of the money down-to-earth, you can also buy flowers and plants, raise a small animal, and so on, leisure time to play a chess, square dancing. The company's business is a very important part of the company's success, and it's a very important part of the company's success.
But there are also a lot of old people who spend more than young people, such as global golf, listening to concerts, attending high-grade wine clubs, global travel, and so on. Such old people spend tens of thousands of dollars a month, and hundreds of thousands of dollars a year, millions of them are very many.
China's current average life expectancy of 83 years. Sixty years old you can still live 23 years, then spend half a million per year, you need at least 8 million in savings. The shortfall is made up with financial gains.
The elderly and the elderly are different, each has its own way of living, some elderly like to stick to their children, some elderly like to live independently, enjoy life, participate in life.
Which category you belong to, which type of money to prepare, I am now in the high-grade retirement community every year, deposited 1 million, this retirement community is an insurance company, they have high-grade communities in 15 livable cities across the country, I can be old enough to stay in the country on a rotating basis. I can rotate around the country when I'm old and enjoy the services of the upscale community. This is my plan for my old age.
This kind of depends on how your health is, if you are in good health, no major illnesses, you have a pension of 5,000 or 6,000, which is simply too much to use up, and you can eat as much as you want. But if you can't even cook good food, paralyzed in bed to be served, children every day to take care of you that's unlikely, they have their own work to do, there is a saying in China on the bed of the long time no filial son, then only to hire a nanny, a first-tier city to a good few thousand, your few thousand will not be much.
In said that there is health insurance, get a cold and flu lying in the hospital to report to not much money, but also can carry, if you get a big disease, in the designated hospitals medical, on the few medicines that do not die hanging you, you want to use a good