Apartaments in many city centers are also more expnsive now tan in the past, people often moved

from a city center to other city neighborhoods or the suburbs in order to escape overcrowding and noise. Today, people want to be closer to their workplace, and many are now moving back into the city center. As a result, living in or near this area costs more than eve. Apartaments in Londons Mayfair district or in Manhattan in New York City often sell foro ver a million dollars. Many of these modern apartment complexes have indoor swimming pools or movie theaters that allow people to relax or exercise without leaving their building.

Inflation is another important reason for the rise in the cost of living. Over the last 150 years, as prices have gone up, the value of Money has gone down, so we now need more Money to buy things. In 1850, for example, $50,000 had as much buying power as $1 million does today. Of course, people now earn more Money tan they did 150 years ago, but they also spend more on necessities such as food, medicine, and housing.

In order to live well after you stop working, you should begin saving for retirement early. Experts suggest that after you retire, you will need 75 percent to 80 perent of your salary t olive on every month. In other words, if you make $3,000 per month while working, you will need between $2,250 and $2,400 per month to live on during retirement. This calculation assumes that you have no mortgage on a house to continue paying, or any other major expenses. However, many retired people now rent their housing, and so they will pay more Money in housing cost over time. Older people now also have to spend more on health care because they live longer; many people in developed countries now live into their eighties or nineties.

Due to increased demand for housing, higher inflation, and longer life expectancy, a million may not be enough t olive on. Of course, where you live and how long you live will influence how much a million dollars can buy. To be retire early, travel the world, and build your dream home you may have to appear on that game show and win more tan once.

LOTTERY WINNERS- RICH, BUT HAPPY?

Every week, million of dollars are spent, and won, on lottery tickets. The jackpot in many lotteries can be as much as 100 million, and winners suddenly find themselves with more Money tan ever before. Many will have enough to purchase a new car, build a luxury house, take a holiday, and quit working all within a short amount of time. The lucky few who hit the jackpot, however, may end up with problems more tan they had before the struck it rich.

Lottery organizers employ counselors to help jackpot winners. These counselors encourage winners to get advice from financial experts sus as accountants, about how best to invest their windfall. The counselors also help winners to understand how their lives may change for the better and possibly for the worse. Luckily, many jackpot winners manage their fortunes sensibly. Some winners, however, do not use their Money wisely and, as a result, end up in debt and struggling to make ends meet.

The biggest mistake many lottery winners make is overspending. A waiter who won $2 million in a California lottery spent all of his winnings shopping, having parties, and lending Money to friends. A few months after he won, he was broke and working as a sales clerk.

Being greedy is another way to invite trouble. In 1999, a woman from California was ordered top ay her ex husband her entire lottery winnings. Shee won a $1.3 million lottery jackpot eleven days before her divorce from her husband was finalized. Under the state law, her spouse was entitled to half the winnings. However, the woman didnt tell her husband about the win, and used her mothers addres to receive the Money. Two years later, the divorced man received a letter for his wife from a lottery winners advisory company. It was then that he discovered his ex wifes secret win.

Another problema that many lottery winners often experience is unwanted attention from the public or their collegues at work. Many winners have to deal with letters or e-mail from strangers asking for Money. Other lottery winners who do not inmediately quit their jobs may find that their less affluent colleagues expect them top ay for lunch all the time, or to loan them Money. Nota ll jackpot winners experience the same fate, thoug. A woman from south Wales who won over 7 million in the U.Ks National lottery gave 3 million of her winnings to family and friends. The biggest luxury tem she bought right after winning was a secondhand Porsche.

No matter large the jackpot, there is always a risk that the Money will runo ut if a winner overspends and does not invest wisely. Lottery winners shoulf remember that they often have top ay a large amount of their winnings to the goverment in taxes. Over time, inflation also reduces the value of winffall.

Financial advisors agree that people who win a lottery should follow a few simple rules to ensure the future of their fortune. First, meet with and accouant or others financial advisor. Second, paya ll debts, such as home mortgages, car loans and credit card bills. Finally, a winner should calclate how much Money they will need t olive on every year for the rest of his or her life. From that calculation, financial advisors say a person will know exactly how much Money should be invested, and how much is left to spend. Only then, advisors suggest, should a lottery winner plan to hand in his or her resignation to the boss.

You are amazing; you are human! You are made of seventy-three percent wter. You have 206 bones. There are more sweat glands in your feet tan in any other part of your body. There are about sixty muscles in your face; you use twenty of them to smile but forty to frown. Your heart beats over 100,000 times each day. You really are amazing! The human body is a complex machine. From the day we are born our bodies grow and change in response to our enviroment, diet, and habits. The body has many different organ system and parts that work together to allow us to breathe, move, see, talk, and digest food all at the same time. Most of the time we are unaware of what is happening in our bodies; usually it is only when we get sick or feel pain that we notice. Many people do not take enough care of their complex machines. Bad habits like smoking, drinking too much alcohol, and eating junk food damage our bodies. Stress can also cause health problems. People who worry a lot or have busy jobs often dont get enough sleep, or dont eat properly. We also damage our bodies by playing sport sor having accidents. In 1999, Americans made more tan 102,000,000 visits to emergency romos. The two most common reasons were for injury and poisoning. ER patients were also treated for many other medical problems from bad cuts and broken bones to serious illnesses that needed surgery. Just like any machine, different body parts sometimes go wrong from old age. In fact, in the U.S., in 1998, between sixty and seventy percent of all visitors to the ER were aged seventy five or over. Fortunately, older people who suffer from an illness or injury can now receive treatment to help extend their lives. Dues to the increase in the population of elderly people, gerontology is now one of the fastest gowing areas of mediciene. It is now common for older people with damaged joints, for example, to have surgery to replace the old joint with a new one made of plastic or metal. As with any machine the better you take care of it, the longer it will last. Of course, the best way to take care of your amazing machine is to eat the right foods, do regular exercise, and get enough sleep. Oh, and dont forget to smile!

Human endurance- What the body can survive

In addition to being highly complex, the human body is also very strong and resilient. Throughout our lives, our bodies deal with physical illnes and pain, as well as emotional stresses such as taking test at school, losing a job, or sitting in traffic all of which put pressure on our nervous system and heart. Everyone experiences stress in the workplace, but there are certain jobs that test a persons endurance and put a greater strain on ones health. Astronauts, for example, suffer from loss of calcium and other important minerals in their bones almost as son as they go into space. Also, many astronauts lose bone density and muscle stenght while in space because they are floating, rather tan walking, for long periods of time. For this reason, whan an astronaut returns to earth, he or she many have difficulty walking. Athleetes push themselves to the limits of physical and mental endurance by regularly trying to go faster, higher, and farther in their chosen sport tan any other athlete has in the past. In doing this, many athletes risk injury to themselves. Many spend weeks or months recovering from damage they have done do their bodies while in training. The worlds finest athletes gather at the Olympic Games every two years. At this event, they demonstrate both their athletic skill as well as their strenght. At the Sydney Olympics in 2000, a British athlete Steve Redgrave showed the world what the human mind and body could do. Redgrave won Olympic gold medals for rowing in 1984, 1988, 1992 and 1996, as well as nine World Championship golds. He was one of the best athletes in his sport. During the long training periods leading up to the Sydney Olympics, Steve had numerous health problems. He had surgery for appendicitis in 1997, and in 1998 he was diagnosed with diabetes. This meant that he had to give himself dayli injections of insulin t help him control his blood sugar. Instead of giving up rowing a very physicall demanding sport Redgrave chose to continue the exhausting training necessary for the Olympics, even though his body was sick. At the Sydney Games Steve and his team rowed to victory, and his fifth Olympc gold medal. It was an amazing achievement for Redgrave, who proved to the world how determination can help one to cope with, and overcome, an illness.

NUMBERS AND BELIEFS Which of these numbers do you think are lucky: four, seven, eight or thirteen? In many cultures around the world, people believe that some numbers are luckier than others. In most western cultures, many people consider the number thirteen to be unlucky. In the United States, for example, many citiees do not have a thirteenth street;