Putting small amounts aside and using an IRA for your old years is a form of a long-term strategy. Having some stocks in your portfolio and receiving dividends can help you outwit inflation over time. There’s though a risk of getting trapped in losses and commission to pay your agent if you don’t know the rules of the game and usually sell as you see an investment falling… But being smart you gradually earn a profit and your saving are secure.

The problem with long term strategies is the distant result and little profit and uncertainty for the present moment. The citizens rarely wish to pay big sums today in order to save money in future, most average people will be looking for reduced payment and no-money-down deals. If they aren’t the world could be a better place with easier living. For example solar energy is costly but it enables to save great in the long term. For electricity in a good house, we usually pay about $6,000. A solar-power system would cost about $65,000, as progressive governments give a 30% subsidy for the solar batteries… With an average solar power plant’s life expectancy of 20 years after paying out the full sum, we could enjoy free electricity for the next 10 years or so!

Little people ever thought that their unwillingness to invest in the future causes everybody pay those high premiums for auto policies.. This is the insurance fraud that let the industry of insurance lose astronomical sums each year as unable to control the fraud the governments usually indulge insurance companies raising premiums for customers. And it seems nobody thinks of spending the budgets to make people and systems work the level more eeffectively to reduce the fraud. But if a state’s government use some of the taxpayer dollars to create a special task force for insurance fraud investigation intergrated with insurance companies.. enabling the claims adjusters submit shady cases for a thorough investigation on higher levels. For the average men this could result in bigger taxes but you can see that in the long term the specially designed measures for a little more tax money will help the customers get affordable car insurance policies.

Exposed to media coverage in the new system of investigation the fraud criminals would go to jail without fail and we move to a more honesty healthy nation where every citizen got fair auto insurance rates and insurance agents could not infringe upon drivers’ interests. This is our unfortunate two-year electoral cycle actually which makes such strategies unacceptable for the politicians. . They need results today to make their voters satisfied so they will be re-elected tomorrow. However as far as all what the American population are seeing is higher spending and just scanty reduced premium rates for the 2-year period, why should we support the short-term-minded parties and leaders?