When would you like to retire? If you do plan to retire at the right age then have you planned for retirement. Have you set enough money aside for old age? Don't forget that people are living longer now than ever. And don't think you will get any social security from the government. There won't be any left.
I see a lot of old people working in their 70's and I really feel bad for them. I am sure there are some who just love to work and need to do something all the time. I am also sure that passing out smiley faces at a supermarket is not really something that an old person would love to do. My point is that, there are a lot of old people who do not have any financial support and a lot of times no family support either. In order to make a living they have to take jobs that no one else wants to do. If the reason is that they never saved enough for retirement then we need to learn from them and not repeat their mistakes. I hope the government can help them as much as possible. But there are those who come from other countries like India and have to do the same. Who will take care of them?
Then there are people who have to work in their old age because all the money they saved they spent it on their kids and the kids now do not care for them because they have their own family to worry about. I got one thing to say to those ungrateful kids, "What goes around, comes around." I hate those people who can't take care of their own father and mother. I pray that I never turn into one of them.
Bottom Line: Are you saving for retirement or banking on your kids to care of you?
Saturday, April 26, 2008
Friday, April 25, 2008
New York, NY: What I DON'T like about New York City
There is always good and bad about a place. I have yet to find a place that I just love and can't find any reason to not live there (obviously, I have not been to Greece Islands). In my last blog I wrote about what I like about NYC. Now, let me tell you what I do not like about NYC.
1. "NYC is the melting pot for the worlds culture." That statement is inaccurate. NYC is just a pot not a melting pot. Even though you have all these people from different cultures living in NY, you do not see them mix up with others. They always tend to stay among their own people. When I was in NYC, I would hear all these people speak in their own language. But then I realized that the other person would have to of the same culture. This is the reason you have China Town, Little Italy and Jackson Heights (Indian Town).
2. New Yorkers have a real attitude problem. No one seems to care about others. Everyone is for themselves. People don't seem to greet others or most are not even nice. It seems like everyone is upset about something and just rude unless you are buying something from them. Also, no one feels like they need help. My friend who lives in NYC said that he offered an older lady his seat at the subway one time and she refused saying that she was fit enough to stand. When I say this I don't mean everyone. There are a few really helpful and nice people too.
3. It is just too damm expensive. Everything in nyc is expensive. NY state has pretty high income taxes and in addition to that you pay NYC taxes if you live in the five burrows. Not to mention the food, shopping, rent and everything else is expensive. In NYC, there are two kinds of people: One who have education and really good jobs making a lot of money. On the other hand you have people who really struggle because they do not have degrees and they have to work at minimum wages in NYC.
4. I asked my friend what was the one bad thing that he finds in NYC. He said, "I don't like the fact that I never see a single plant everyday." Unless you live close to central park, you will never see green. If you are used to living in the country, you will in for a concrete surprise. We take green for granted. I am sure it will get to me if I don't see any plants around.
Bottom Line: What does it take for one to pack their bags and move to NYC?
1. "NYC is the melting pot for the worlds culture." That statement is inaccurate. NYC is just a pot not a melting pot. Even though you have all these people from different cultures living in NY, you do not see them mix up with others. They always tend to stay among their own people. When I was in NYC, I would hear all these people speak in their own language. But then I realized that the other person would have to of the same culture. This is the reason you have China Town, Little Italy and Jackson Heights (Indian Town).
2. New Yorkers have a real attitude problem. No one seems to care about others. Everyone is for themselves. People don't seem to greet others or most are not even nice. It seems like everyone is upset about something and just rude unless you are buying something from them. Also, no one feels like they need help. My friend who lives in NYC said that he offered an older lady his seat at the subway one time and she refused saying that she was fit enough to stand. When I say this I don't mean everyone. There are a few really helpful and nice people too.
3. It is just too damm expensive. Everything in nyc is expensive. NY state has pretty high income taxes and in addition to that you pay NYC taxes if you live in the five burrows. Not to mention the food, shopping, rent and everything else is expensive. In NYC, there are two kinds of people: One who have education and really good jobs making a lot of money. On the other hand you have people who really struggle because they do not have degrees and they have to work at minimum wages in NYC.
4. I asked my friend what was the one bad thing that he finds in NYC. He said, "I don't like the fact that I never see a single plant everyday." Unless you live close to central park, you will never see green. If you are used to living in the country, you will in for a concrete surprise. We take green for granted. I am sure it will get to me if I don't see any plants around.
Bottom Line: What does it take for one to pack their bags and move to NYC?
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