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西方养老

已有 100 次阅读2021-5-6 23:30 |个人分类:全球化

 

Sep 13, 2016 at 5:30 PM

 

美国的养老  American pension

在北欧这些国家有种说法,“从摇篮到坟墓”,也就是人的一生从摇篮到坟墓政府都给包了.  上次我讲了些怎么以人的需要为主来寻找商机主要讲的是从出生到中年有哪些机会我觉得养老应该也是一个全球范围的行业.  美国这边有很多老人公寓,要年满65岁以上而且收入在一定额度之下才可以申请的政府还会有房租补贴,自己只要出按收入的一定比例付房租,并且所有水电费都不用付这边的医疗保险福利也是这样,都是要有绿卡或者公民,人住在美国才能够享用的这边老人还有一些短期的和长期的护理保险在法律上,儿女不是有责任和义务抚养老人的但是要申请进老人公寓,尤其是像洛杉矶这样的大城市,那至少要等三到五年中西部可能快一点一旦进了老人公寓,如果想换到另一个地区去也比较方便每个城市都有老人中心,每个月定时会给老人发放食物,当然都是快过时的老人还有交通卡,一个月付很少的钱,就可以随便坐公共交通还有专门的叫车服务,每次每个人只要付不到三块钱在老人中心,有洗衣房,会有人来定时理发,还举办各种活动我父母住的老人公寓,三分之二以上是中国人.很奇怪没有那么多拉丁裔的,也许他们宁愿跟儿女住一起吧! 上次讲到怎么样疏散人口,怎么样在全球范围内安排年轻人的工作,我觉得也可以和养老工程联系在一起象美国这种福利国家,每年在老年人身上要花很多的钱,当然这些老年人必须待在美国国内像我父母这样子的从国外来的,他们平时生活是非常寂寞的,住老人公寓也没有多少人可以讲话,他们平时也不会说几句英文,自己出去坐车什么都不方便美国的家庭医生把他们当作小白鼠,拿他们当药物实验,医生把他们当摇钱树,联合其他医生朋友们一起横斩竖斩,老人是向保险公司要钱的敲门砖当然他们希望跟儿女住得近一些


In these northern European countries, there is a saying that “from the cradle to the grave”, that is, the life of the person from the cradle to the grave covered by government. Last time I talked about how to focus on the needs of people to find business opportunities, mainly are the opportunities from birth to middle age. I think that pension should be a global industry. There are many elderly apartments in the United States. You could apply for on an age of 65 or above and the income is below a certain amount. The government will also have rent subsidy, you only need to pay a certain percentage of your income for the rent, and all the water and electricity charges are free. The same is true for the medical insurance benefits here. They all have green cards or citizens, and people can live in the United States. The elderly also have some short-term and long-term care insurance. In law, here children are not responsible and obligated to raise the elderly. But to apply for an elderly apartment, especially in a big city like Los Angeles, it takes at least three to five years. In Midwest it may be a little faster. Once in the elderly apartment, it is more convenient if you want to change to another area. Every city has a senior center, every month there is food given to the elderly, of course, it is almost out of date. The old people also have transportation cards. If you pay a small amount of money a month, you can take public transportation. There is also a special transportation service. Every time everyone pays less than three dollars. In the center of the elderly, there is a laundry room, there will be people to have regular haircuts, and also hold various activities. More than two-thirds of the elderly apartments my parents live in are Chinese. It’s strange that there are not so many Latinos. Maybe they would rather live with their children! Last time I talked about how to evacuate the population, how to arrange the work of young people on a global scale, I think it can also be linked to the old-age project. Like the welfare state of the United States, it costs a lot of money every year for the elderly. Of course, these elderly people must stay in the United States. Like my parents, who come from abroad, they usually live very lonely. There are not many people who  live in an apartment they can talk to. They don’t usually speak a few words of English. It’s not convenient to go out by car. American family doctors used them as test mice and used them as drug experiments. The doctors used them as money resources and swayed together with other doctors and friends. The old people are used as stepping stone to the insurance company. Of course they wanted to live close to their children. .

 

北欧福利国家有很多富裕的老年人以及无事可做的中青年,同时又有很高的忧郁症我的表侄子,那么年轻的一个小伙子,到德国读书三年居然说肾脏有病要动中手术我觉得这是福利国家的医生为了赚钱所创造出来的病欧洲又冷,那儿并不适合老年人的生活我在想,如果台湾,海南岛,气候温和的地区,把有污染的工业移出去,如果老年人的福利能够cover国外生活的话按照那边的生活标准,请医生,吃和住,还有长期护理的费用应该是不会比富裕国家多的,而且有些身体好的老人,还可以兼职做一些适合的工作比如手工啊教育啊等等,并保持年轻,那这不是为保险公司和那些国家节省金钱使之用到别的方面吗?那些老年人如果走得动的话,可以冬天到温暖的地方去过冬,夏天回到自己原来的地方美国中产老人可以结伙去中美洲买房子,郊外三室的一幢房子,四周都是郁郁葱葱的树木,一年四季的瓜果,冬天是旱季还可以穿短裤,10年前是3万到5万美金,现在大概7万,10万了吧?有空还可以去周围湖里钓鱼,或者自己种一些蔬菜瓜果,悠哉悠哉过日子我以前哈佛男友,现在在印度孟买边上一所大学做艺术系系主任,开学了去印度教书平时就回美国现在工作机会越来越倾向年轻人,可是有很多的行业,比如政治,艺术,工匠,工程等等,那些有很多有经验又年纪大了,应该让他们设计创造出谋略呀,实际上老年才是他们的黄金时期中国有许多的机械制造和设计需要人才,因为有很大程度还是用手工在做虽然放出去一大批年轻人去海外学习,第一,这些人能不能去到真正关键部门工作而掌握关键技术,那就是个大问题别人不可能把好的东西让你学和看第二,熟能生巧这些年轻人要经过许多的磨练和经历,才会积累一定的经验去设计创造。 而有了经验还不一定就能创造比如像有的装修工,建筑工人,做了几十年也不一定能做建筑师来设计楼房啊我不是学大系统设计的,这边人也根本不想让我知道整个系统是怎么设计的,每项工作没做两年就把我换掉,甚至有的做了一个月就把我辞退了就是因为每一次调动工作我都要从头学起,要阅读了解很多的背景材料去熟悉新的系统因为看的系统多了,从民用的,到军用的从小的接收机,到大的卫星系统,从海底的声纳系统,到飞行器系统和坦克系统,虽然设计理念不同但组成相似,只是多有变换罢了,所以自己悟出了系统设计的过程和关键所在,就有了经验你们如果让那些有经验的退休者来为你们设计和教年轻人,那可是拣了大便宜呢

 

 The Nordic welfare state has many wealthy seniors and young people who have nothing to do, and at the same time have high depression. My niece,  a young man, so young, have been in Germany for three years, said that his kidney had problem that had to undergo surgery. I think this is a disease created by doctors in the welfare state to make money. Europe is cold, and it is not suitable for the life of the elderly. I am thinking that if Taiwan, Hainan Island, and mild climate areas, if polluted industries would be removed, and if the welfare of the elderly can cover foreign life, follow the other side  standard of living, see doctors, eat and live, and the cost of long-term care should not be more than rich countries. Some old people in good health can also do some suitable part-time work , such as manual craftship, education, etc.  and stay young, isn't this a way for insurance companies and those countries to save money and use them in other places? If the elderly can walk, they can go to the warm place for winter  and return to their original place in the summer. The American middle-aged and old man can go to Central America to buy a house, a house of  three-room in the suburb, surrounded by lush trees. Fruits of the whole year, dry season in Winter  can also wear shorts. 10 years ago it was 30,000 to 50,000 dollars, now about 70,000, 100,000? If you have time, you can go fishing in the surrounding lakes, or grow some vegetables and fruits yourself. My previous Harvard boyfriend, now the head of the art department at a university in Mumbai, India. When the school starts, he goes to India to teach, usually return to the United States. Nowadays, job opportunities are more and more inclined to young people, but there are many industries, such as politics, art, craftsmen, engineering, etc. those who have many experiences and are old, should let them design, create, and make plans. In fact, old age is their golden age. There are many mechanical manufacturing and design talents in China, because there is a lot of work done by hand, although a large number of young people are released to study abroad, first, these people can't go to the real key department to master the key technology, that is a big problem. Others won't let you learn good things nor see them. Second, practice makes perfect. These young people have to go through many tempering and experience so that they can accumulate certain experience to design and create. And even with experience, it is not always possible to create. For example, some decoration workers, construction workers, working for decades, may not be able to be architects to design buildings. I was not learning big system design, here  people also didn't want to let me know how the whole system was designed. Every job I didn't changed after  two years. Some even dismissed me after a month. Just because I have to learn from scratch every time I change job, to read a lot of background material to get familiar with the new system. Because there are many systems to understand, from civilian to military, from small receivers to large satellite systems, from sonar systems on the sea ground to aircraft systems, and the tank system. Although these design concepts are different, but the composition is similar, but there are many variations. So I realized the process and key points of the system design, and I have experience. If you let those experienced retirees come to design for you and teach young people,  you take a big advantage.


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