Talk about the pension today, a lump of paste in the brain, decided to talk about the plight of ordinary people from themselves and the movies watched in the past few days.
First of all, the movie beast gave me a lot of thinking.
Lao Yang was once a rich class in the era of wealth turmoil, and now he has been bankrupt for many years, idle at home, with his children and children, and he has gradually lost patience with his long-term bedridden wife. One day, his old friend Lubson took his camel into the city to see the veterinarian, and asked Lao Yang to temporarily take care of it, but Lao Yang sold it. Later, in order to make up for his negligence, he secretly embezzled his wife's operating expenses, and after being kidnapped by his angry children after being exposed, Lao Yang was angry that he did not read the grace of parenting, and resolutely sued his unfilial son in court.
What I need to interpret here is the character of Lao Yang, the wife has been paralyzed for a long time, the children's family is in a mediocre situation, and there are very few friends. As the saying goes, there is no filial piety in front of the bed for a long time, Lao Yang took care of the paralyzed wife for six or seven years, and the children did not often ask questions, until Lao Yang secretly ran out and was kidnapped and locked up by his children, Lao Yang angrily sued his children in court, and the children in court angrily rebuked Lao Yang shamelessly, but did not think that Lao Yang worked hard for the family for a lifetime, preparing a marriage room for his children to get married, many people may have had similar experiences, long-term illness is the family's tribulations and burdens, whether it is a patient or a relative, living in such a family is very depressed and uncomfortable, and even wants to escape, The most intuitive feeling is that the old have no one to rely on, if at this age their own pension savings are not enough or not, the development of children and children is obviously very painful and helpless, the protagonist Lao Yang refracted may be the true portrayal of most of the young scenery after the scenery is old, this age may be how hard to fight and struggle how powerless, but people to the old is still temperamental, people are often good at crusade, and often forget to understand and repent.
Let's talk about my own family's story, my grandmother died when she was more than eighty years old, there were 7 children, died about a year ago more paralyzed, life after paralysis is really not happy enough, the countryside is still popular sons to be responsible for the pension, the girl who married out spilled out the water, so the life after paralysis is taken care of by the family of four sons, the early children who died of the uncle also settled in Beijing, my mother also left early, so my family and the uncle's family are both paid for the care of the grandmother, Grandma's day of eating and drinking Lasa is spent in the second and third uncle's house, things have passed for many years, the grandchildren and men and women at that time are all kinds of condemnation and care is not good enough, quite critical, now in the past many years, from my heart at that time and now are not willing to stand on the moral high ground to judge the family, because no one has stood in the position of whom, the empty-handed treasurer can not move his mouth, I only know that eating and drinking Lasa is in bed, as the same as the judge we can not do in whose hands, Although the matter of feeding back has always been the traditional virtue of our Chinese nation, when it is really done, it will find all kinds of unsuitable complaints, the reality is often so cold, if there is a condition to hand over to a professional old-age care institution will it be better?
The above is the movie one is my own experience of the thing, the advent of the era of less children we have to face a grim reality, every time I see the old man and woman who pick up bottles and pick up cardboard in the garbage can, there will be an inexplicable sense of compassion, although it is not their own old man, it is difficult to say whether they will be pitiful, but if it is my old age, I will wonder if there is a better and more decent life?
To now that I have passed the age of establishment, I will also face a serious pension problem, the husband and wife are facing four parents who are getting old, as well as their own children, bearing the pressure of mortgage and car loans, during this period, if there is a little mistake, it is enough to eat a pot of their own, so how do I face it? The choice I made is that both husband and wife and the child have purchased the basic medical security and serious illness protection, some money to the child in the form of increased life expectancy to allocate an annuity, if the future can not be used to give their own reserves for the elderly, social security this is the most basic, at least need to ensure the minimum living needs of our old age, because all the way through the parents' dilemma and their own dilemma, in order not to let their children face the dilemma brought by the elderly pension in the future, From the heart of the old people to open their mouths to their children to ask for money this thing is now very difficult, they also have self-esteem, just like us now, because we will eventually grow old, how to guard us like a self-esteem that will never be hurt to the old, from now pay attention to the problem of pension is to say that I want to have this self-esteem and self-reliance and self-love until old, I don't need to morally kidnap anyone, happy to be a dashing boss.
The following is to introduce you to how to be a dashing boss
First of all, we must have is the social security pension, on how to calculate the social security pension can be searched on its own, do not go into detail, the current social security replacement rate is basically 50%, which means that the salary before retirement is 10,000 after retirement, only 5,000, which is on the basis of the full payment of social security, if the unit in order to save expenses are paid according to the local minimum standards, the replacement rate may be 20%, that is, 2,000 yuan, want to be a dashing boss, The wish of the rich woman is obviously not feasible, which will use commercial insurance, here only two ways of commercial pension for your reference, one is the form of pension annuity, one is the form of increased lifespan, everyone's economic situation is different, the need for tailor-made can be private message.
The first is the form of increased life, 30-year-old men pay 100,000 yuan per year for 10 years, to 40 years old when the cash value is 1203500 yuan, if you choose to retire at the age of 60 to receive 50,000 yuan per year as a supplementary pension for social security, continuous annual payment to 100 years old death There is more than 5 million cash value, of course, this is just a demonstration, if you want to retire early, you can flexibly reduce the insurance cash from the premium after paying the premium, the cash value is all written in the policy contract, how much is how much. (See table for details)
The other is the form of pure pension annuity, but also 30-year-old men pay 100,000 10 years a year, if you choose to retire at the age of 60 and receive 134,500 per year as a supplementary pension for social security, you can guarantee to receive 20 years, even if you can't receive 20 years, you will be guaranteed to give, if you have a longevity gene, you can live to live more than 100 years, how long to live, how long to live, the fixed amount of each year remains unchanged.
It is difficult to say which of the two ways is better, according to their own needs, flexible to receive the choice of increased lifespan, has been non-stop cash flow can choose pure pension annuity, in short, if you want to make your old age life dashing enough, from now on.