读者文摘:长寿与成功的秘诀(5)（在线收听）

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 hybrid policies that combine life insurance with long-term care coverage.

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 inhales and exhales, 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 stabilizes your blood pressure.

放松肌肉，稳定血压。

11 BEWARE OF ACTIVELY 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 analyzing 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 retired at age 32, invests almost entirely 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。