Preparing for the Worst

Никогда не читал Роберта Кийосаки но тут попалась заметка на глаза. Может стоит почитать?

Конечно ничего нового. Но повторение мать учения. Мне лично понравились сравнения с мертвой лягушкой, которую заставляют дергать лапкой с помощью электрического тока. Только в 80 годы ток был в миллионах, а теперь в млрд. Дальше больше, слишком много старых лягушек, которые больше похожи на медведя, который готовится к зиме. Поэтому ему все по барабану, главное запастись жиром, иначе каюк.

Понравилось:

The dying frog economy will lead us to the biggest Ponzi schemes of all: Social Security and Medicare. If we think this subprime financial crisis is big, it's my opinion that this crisis will be dwarfed by the crisis brewing in Social Security and Medicare...Medicare being the biggest crisis of all. As old frogs head for the big lily pad in the sky, they will demand young frogs spend even more in tax dollars just to keep old frogs from croaking.

И далле:

The facts are that the 401(k) plan has a trigger that requires old frogs to begin withdrawing their money at a certain age. In other words, as baby boomers grow older, more and more will be required, by law, to begin withdrawing their money from the market. You do not have to be a rocket scientist to know that it is hard for a market to keep going up when more and more people are getting out.

Но самое интересное замечание касается отложенной уплаты налогов. С тех средств, что лежат на счетах, ведь с них налог не взымался при получении дохода. Может хотят пополнить казну. Интересно сколько это в долларах выйдет.

The reason the 401(k) has this law related to mandatory withdrawals is because the Federal government wants to collect the taxes that they deferred when the worker's money went into the plan. In other words, the taxman wants their pound of flesh. Since they allowed the worker to invest without paying taxes, the government wants their tax dollars when the employee retires. That is why the laws require older workers to sell their shares - and pay their pound of flesh.