读者文摘:长寿与成功的秘诀(5)

9 THINK ABOUT LONG-TERM CARE.

考虑长期护理。

About 70 percent of us will need long-term care at some point.

大约70%的人从某一刻开始就需要长期护理。

Standard medical insurance doesn't cover it, and the costs are mind-boggling.

标准的医疗保险不包括它，而且费用令人难以置信。

Consider: A private room in a nursing home costs $92,345 per year on average.

想一下：养老院的单人间平均每年花费92345美元。

Long-term care insurance is one option, but it can be expensive and difficult to qualify for.

长期护理保险是一种选择，但它可能很贵，而且很难符合资格。

Author and financial planner Thomas C. Corley says

作家兼理财规划师托马斯·C·科利表示，

he likes new hybrid¹ policies that combine life insurance with long-term care coverage².

他喜欢将人寿保险与长期医疗保险相结合的新型混合保险。

You can use the death benefit for long-term care costs,

你可以用死亡抚恤金来支付长期护理费用，

but if you don't need help, your heirs get the payout when you pass away.

但如果你不需要帮助，你的继承人会在你去世时得到这笔钱。

10 TAKE A BREATHER. Can't get outside today?

歇口气。你今天不能出去吗？

A simple way to feel happier, reduce stress,

一个让你感觉更快乐，减轻压力，

and raise your energy is to take short time-outs throughout the day to focus on your breath.

提高你的能量的简单的方法就是，在一天中花一些时间来专注于你的呼吸。

It's easy: Simply close your eyes and take a few deep, slow inhales³ and exhales⁴, focusing on nothing else.

这很简单：只要闭上眼睛，慢慢地深吸几口气，然后呼几口气，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,

它可以带来身体上和精神上的好处-研究表明，有控制的深呼吸会减缓心跳，

relaxes your muscles, and stabilizes⁵ your blood pressure.

放松肌肉，稳定血压。

11 BEWARE OF ACTIVELY⁶ MANAGED INVESTMENTS.

注意主动式管理基金投资

Low-fee index funds track the returns of an investment index,

低费用指数基金可追踪投资指数的回报，

such as the S&P 500, and they cut your risk because you're investing in hundreds of stocks instead of just a few.

比如标准普尔500指数，它们降低了你的风险，因为你投资了几百只股票，而不是几只。

They also outperform most actively managed funds over time.

随着时间的推移，它们的表现也会好于大多数主动式管理基金。

When Leif Kristjansen of Toronto first started investing,

当多伦多的利夫·克里斯简森开始投资时，

he spent hours analyzing⁷ annual reports and picking individual stocks and funds.

他花了几个小时分析年报，挑选个股和基金。

Then I realized my in某一个dex funds were doing as well as my heavily researched investments, and they took no brainpower," he says.

然后我意识到，我的指数基金表现得和我经过大量研究的投资一样好，他们不需要动脑筋，”他说。

Now Kristjansen, who retired⁸ at age 32, invests almost entirely⁹ in index funds.

现在32岁退休的克里斯简森几乎全部投资于指数基金。

1 hybrid   

n.(动，植）杂种，混合物

参考例句：

• That is a hybrid perpetual rose.那是一株杂交的四季开花的蔷薇。
• The hybrid was tall,handsome,and intelligent.那混血儿高大、英俊、又聪明。

2 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

3 inhales   

v.吸入( inhale的第三人称单数 )

参考例句：

• Long, slow, full breaths with exhales at least as long as the inhales. 深长、缓慢、充分的呼吸，呼气至少要同吸气一样长。 来自互联网
• An impressive pile forms. Heywood bends down and inhales deeply, smelling the aroma. Rapture. 一小排香烟。海沃德低下头使劲地闻着香烟的气味，高兴不已。 来自互联网

4 exhales   

v.呼出，发散出( exhale的第三人称单数 )；吐出（肺中的空气、烟等），呼气

参考例句：

• He shivers, exhales, gets the ball and races back to his friends. 他浑身一颤，舒了口气，捡起球，跑回到他的朋友们那里。 来自互联网
• A smoker exhales in a pub in Richmond, London. 一名吸菸者在伦敦瑞旗蒙一家酒吧吞云吐雾。 来自互联网

5 stabilizes   

n.（使）稳定， （使）稳固( stabilize的名词复数 )v.（使）稳定， （使）稳固( stabilize的第三人称单数 )

参考例句：

• The broadbased attachment of the mesenteric root stabilizes the small bowel. 肠系膜根部基底宽阔的附着面使小肠得以稳定。 来自辞典例句
• The available supply of industrial product and produce stabilizes growth. 工业品与农产品的有效供给稳定增长。 来自互联网

6 actively   

adv.积极地，勤奋地

参考例句：

• During this period all the students were actively participating.在这节课中所有的学生都积极参加。
• We are actively intervening to settle a quarrel.我们正在积极调解争执。

7 analyzing   

v.分析；分析( analyze的现在分词 )；分解；解释；对…进行心理分析n.分析

参考例句：

• Analyzing the date of some socialist countries presents even greater problem s. 分析某些社会主义国家的统计数据，暴露出的问题甚至更大。 来自辞典例句
• He undoubtedly was not far off the mark in analyzing its predictions. 当然，他对其预测所作的分析倒也八九不离十。 来自辞典例句

8 retired   

adj.隐退的，退休的，退役的

参考例句：

• The old man retired to the country for rest.这位老人下乡休息去了。
• Many retired people take up gardening as a hobby.许多退休的人都以从事园艺为嗜好。

9 entirely   

ad.全部地，完整地；完全地，彻底地

参考例句：

• The fire was entirely caused by their neglect of duty. 那场火灾完全是由于他们失职而引起的。
• His life was entirely given up to the educational work. 他的一生统统献给了教育工作。