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Thirty-one million Americans are over 60 years of age, and twenty-nine million of them are healthy, busy, productive citizens. By the year 2030, one in every five people in the United States will be over 60. people are members of the fastest-growing minority in this country. Many call this the "graying of America". In 1973, a group called the "Gray Panthers" was organized. This group is made up of young and old citizens. They are trying to deal with the special problems of growing old in America. The Gray Panthers know that many elderly people have health problems; some cannot walk well, others cannot see or hear well. Some have financial problems; prices are going up so fast that the elderly can’’t afford the food, clothing, and housing they need. Some old people are afraid and have safety problems. Others have emotional problems. Many elderly are lonely because of the death of a husband or a wife. The Gray Panthers know another fact, too. Elderly people want to be as independent as possible. So, the Gray Panthers are looking for ways to solve the special problems of the elderly. The president of the Gray Panthers is Maggie Kuhn, an active woman in her late 70s. She travels across the United States, educating both young and old about the concerns of elders. One of the problems she talks about is where and how elders live. She says that Americans do not encourage elders to live with younger people. As far as Maggie Kuhn is concerned, only elders who need constant medical care should be in nursing homes. Maggie Kuhn knows that elders need education, too. She spends lots of time talking to groups of older Americans. She encourages them to continue to live in their own houses if it is possible. She also tells them that it is important to live with younger people and to have children around them. This helps elders to stay young at heart. Nursing homes_____.
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Got a pen handy To best estimate your start-up costs, you’ll need to make a list and the more detailed the better. A smart (62) to start is to brainstorm everything you’ll need, from tangible (有形的) goods ( (63) inventory, equipment and fixtures) to professional services (such as remodeling, advertising and legal work). Then, start (64) how much you’ll need to pay for all those goods and services. Some of the expenses (65) during the start-up phase will be one-time costs, such as the fee for printing up your brochures, creating your LLC or acquiring a permit, (66) others will be ongoing, such as rent, insurance or employees’ salaries. In (67) , it’s best to use a two-step process. First, (68) an estimate of one-time costs needed to get your doors open, and then develop an operating (69) for the first six months or even the first year of the business. If you’re still having trouble (70) out how much money you need, do research (71) other companies in your industry and region of the country. Talk to their owners about (72) they figured out start-up costs and ask (73) about expenses they forgot. The SBA offers free (74) through its Small Business Development Centers and its (75) , SCORE. You can also seek advice from an accountant or attorney (76) to dealing with small businesses. When in (77) about your projections, you should always err (犯错误) on the side of overestimating your up-front investment cost and (78) sales. Eric van Merkensteijn, a University of Pennsylvania business professor who left (79) in the late 1990s to open a restaurant in Philadelphia, offers this advice: Figure out your start-up costs, then (80) that number. Then double it again. Only then will you have a(n) (81) number, says the professor, who closed the business in 2004 and returned to campus.
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