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全部话题 - 话题: life
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p******n
发帖数: 2449
1
美國德克薩斯州傳銷公司RBC Life Sciences(美商泰康生命科學股份有限公司)是全
球罕見的拒不標示產品保質期的保健品生產商。RBC Life Sciences負責市場和銷售的
副總裁Kevin Young在一份書面聲明中辯解稱,美國FDA和GMP並沒有要求RBC Life
Sciences制造和銷售的保健品一定要標示保質期。Kevin Young告訴傳銷人員,2011年3
月以後,RBC Life Sciences公司在產品外包裝上只標示生產日期,大家可以自行推算
有效日期,大部分保健品的保質期為兩年,其中液體類的和益生菌類產品的保質期為一
年。不過,RBC Life Sciences某些產品如Sango Coral Calcium(桑格珊瑚鈣)等甚至
也不標示生產日期,原因是Sango Coral Calcium的產地是曾經發生嚴重核汙染的日本
,RBC Life Sciences顯然不願意被人推算這些產品在是日本核災難發生之前還是之後
出產的。
2013年5月28日星期二

《直销中国周刊》曝美商泰康生命科學股份有限公司RBC Life涉传销走私诈骗
中... 阅读全帖
p******n
发帖数: 2449
2
发信人: pibaxian (时间是个神), 信区: Military
标 题: 《直销中国周刊》曝美商泰康生命科學股份有限公司RBC Life涉传
发信站: BBS 未名空间站 (Thu Jan 7 08:51:06 2016, 美东)
美國德克薩斯州傳銷公司RBC Life Sciences(美商泰康生命科學股份有限公司)是全
球罕見的拒不標示產品保質期的保健品生產商。RBC Life Sciences負責市場和銷售的
副總裁Kevin Young在一份書面聲明中辯解稱,美國FDA和GMP並沒有要求RBC Life
Sciences制造和銷售的保健品一定要標示保質期。Kevin Young告訴傳銷人員,2011年
3
月以後,RBC Life Sciences公司在產品外包裝上只標示生產日期,大家可以自行推算
有效日期,大部分保健品的保質期為兩年,其中液體類的和益生菌類產品的保質期為一
年。不過,RBC Life Sciences某些產品如Sango Coral Calcium(桑格珊瑚鈣)等甚至
也不標示生產日期,原因是Sango Coral Calcium的產地是曾經發生嚴... 阅读全帖
D*****r
发帖数: 1046470
3
I am losing interest in life and am getting depressed. What are the top 3
things I can do right now to feel better instantly?
324 ANSWERS • ANSWERING NOW: ANONYMOUS
ASK TO ANSWER
Dan Dee
Dan DeeSuggest Bio
57 upvotes by Tun Yang, Stef Her, Deborah Smith Lawrence, (more)
Get regular sleep. Go to bed at the same time every day, get up 8.5 hours
later.
Want to Treat Depression? Get People to Sleep
Exercise outdoors. I'm cheating and putting 2 things in here: exercise and
get sun on your ski... 阅读全帖
c***c
发帖数: 6234
4
转载
最近,几个朋友挑战我来谈谈这个题目。终于写了出来。其实这个题目一直是一个很值
得争议的话题。
当经济好的时候,人人炒股,人人是理财专家,人人都是高风险承受着,人人都期望得
到高的回报。当经济危机时,大家都知道了”保本“很重要。
当investment和insurance混在一起时,在现今的经济状况下,许多人恨得咬牙切齿。
在理财这个行业里,准确说,在保险这个行业里,因为“investment和insurance混在
一起”,使保险经纪人的名声越来越差。
我认识的同行中,有人说,他or她就不target term life的market,专卖whole life。
life insurance就是life insurance,investment就是investment。他们公司的主要
life产品是whole life,他们受的培训是whole life,所以只知道whole life。
有人专卖VUL (ariable universal life)。他们说whole life 太贵。而且他们的客
户买VUL时,认为他们买的是个好的investment tool,人寿保险有什么... 阅读全帖
l**********t
发帖数: 5754
5
chapter 10.4 The Manifestation Of The Law Of Life
Let us seek to make this practical. We touched earlier on the matter of our
will in relation to the things of God. Even older Christians do not realize
how great a part will-power plays in their lives. That was part of Paul’s
trouble in Romans 7. His will was good, but all his actions contradicted it,
and however much he made up his mind and set himself to please God, it led
him only into worse darkness. ‘I would do good’, but “I am carnal, sold
... 阅读全帖
l**********t
发帖数: 5754
6
chapter 10.4 The Manifestation Of The Law Of Life
Let us seek to make this practical. We touched earlier on the matter of our
will in relation to the things of God. Even older Christians do not realize
how great a part will-power plays in their lives. That was part of Paul’s
trouble in Romans 7. His will was good, but all his actions contradicted it,
and however much he made up his mind and set himself to please God, it led
him only into worse darkness. ‘I would do good’, but “I am carnal, sold
... 阅读全帖
m***T
发帖数: 11058
7
http://www.genomeweb.com//node/1217241?hq_e=el&hq_m=1567445&hq_
NEW YORK (GenomeWeb News) – Thermo Fisher Scientific is acquiring Life
Technologies in a $13.6 billion deal, the firms jointly announced today.
Thermo Fisher was rumored over the past couple of weeks to be in advanced
talks to acquire Life Tech, while private equity firms also had been
reported as working on bids to get a deal done. The transaction signing
comes three months after Life Tech confirmed it had hired Deutsche Bank and
M... 阅读全帖
gr
发帖数: 2958
8
【 以下文字转载自 Midlife 讨论区 】
发信人: mirrorjj (人在天涯), 信区: Midlife
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance (转载)
发信站: BBS 未名空间站 (Fri Jan 3 00:59:17 2014, 美东)
发信人: yudeli (余德利), 信区: SanDiego
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Thu Jan 2 16:30:33 2014, 美东)
☆─────────────────────────────────────☆
MyDora (家有懒猫-家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,... 阅读全帖
y****i
发帖数: 17878
9
☆─────────────────────────────────────☆
MyDora (家有懒猫-家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,希望大家可以继续讨论
1.有孩子的都应该买life insurance,越早买越便宜,公司的group insurance是不够
的,一是数额比较小,二是万一失业了这个insurance就没有了,年纪大了万一失业了
再想买term life会很贵。
2.life insurance分term和whole life,whole life顾名思义就是能保一生,有点类似
saving账户,满足一定条件可以取钱出来,term期满了以后没有任何benefit,premium
是固定的,一般我觉得买到孩子成年就可以了,所以二十年term... 阅读全帖
m******j
发帖数: 5079
10
【 以下文字转载自 SanDiego 讨论区 】
发信人: yudeli (余德利), 信区: SanDiego
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Thu Jan 2 16:30:33 2014, 美东)
☆─────────────────────────────────────☆
MyDora (家有懒猫-家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,希望大家可以继续讨论
1.有孩子的都应该买life insurance,越早买越便宜,公司的group insurance是不够
的,一是数额比较小,二是万一失业了这个insurance就没有了,年纪大了万一失业了
再想买term life会很贵... 阅读全帖
m******j
发帖数: 5079
11
【 以下文字转载自 SanDiego 讨论区 】
发信人: yudeli (余德利), 信区: SanDiego
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Thu Jan 2 16:30:33 2014, 美东)
☆─────────────────────────────────────☆
MyDora (家有懒猫-家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,希望大家可以继续讨论
1.有孩子的都应该买life insurance,越早买越便宜,公司的group insurance是不够
的,一是数额比较小,二是万一失业了这个insurance就没有了,年纪大了万一失业了
再想买term life会很贵... 阅读全帖
s***s
发帖数: 4329
12
来自主题: Investment版 - TERM OR WHOLE LIFE
http://www.smartmoney.com/plan/insurance/term-or-whole-life-801
Whole Life Insurance or Term?
pdated on September 10, 2008.
The right type of life insurance can be summed up in a single word: term.
But before we explain why, it's important to understand the differences
between the most common types of insurance available. Our glossary can help
with that, and decipher some of the more common insurance lingo.
The basic difference between term and whole life insurance is this: A term
policy is life... 阅读全帖
G***e
发帖数: 535
13
答案是Whole Life是Permanent Life的其中一種
所以你接觸過Whole Life就等於已經接觸過Permanent Life了...
我以前回過的文章給你參考:
-----------------------------------------------------
Universal Life insurance是一種終生壽險(Permanent Life)
Term Life insurance則是一種定期壽險
你說的Universal Life不是VUL是錯誤的理解
VUL全名是Variable Universal Life,是Universal Life的一種
Variable是指cash value的增值不是固定的而是變動的(所以稱variable)
通常將cash value投資於mutual fund
相對於Variable Life有一種很常見的Whole Life
則是給予cash value固定的收益,通常APY比外頭的saving來得高以吸引顧客
Universal這個字本身則是指每期的premium是靈活的
如果手頭寬裕,可以多交一些pre... 阅读全帖
l**********t
发帖数: 5754
14
chapter 10.2 Christ Our Life
“I thank God through Jesus Christ”! That exclamation of Paul’s is
fundamentally the same as his other words in Galatians 2:20 which we have
taken as the key to our study: “I live; and yet no longer I, but Christ“.
We saw how prominent is the word ‘I’ throughout his argument in Romans 7,
culminating in the agonized cry: “O wretched man that I am!” Then follows
the shout of deliverance: “Thank God... Jesus Christ”! and it is clear
that the discovery Paul has made is th... 阅读全帖
l**********t
发帖数: 5754
15
chapter 10.2 Christ Our Life
“I thank God through Jesus Christ”! That exclamation of Paul’s is
fundamentally the same as his other words in Galatians 2:20 which we have
taken as the key to our study: “I live; and yet no longer I, but Christ“.
We saw how prominent is the word ‘I’ throughout his argument in Romans 7,
culminating in the agonized cry: “O wretched man that I am!” Then follows
the shout of deliverance: “Thank God... Jesus Christ”! and it is clear
that the discovery Paul has made is th... 阅读全帖
f*****y
发帖数: 9
16
報紙上有文章說:“世上坑蒙拐騙之類的勾當,要數傳銷圈子裏最多了。大多數人參加
傳銷賺不到錢,而賺錢的基本上是幾個騙子。傳銷人員每時每刻都想著如何拉人參加傳
銷,故意誇大事實或刻意隱瞞問題來進行宣傳,否則難以得逞。”
我並不認同這種說法。我深信,許多努力從事傳銷的人實際上並不是壞人,本身也是受
騙者。
在武漢的一家咖啡館裏,我曾遇到一個到處流竄、做了多年傳銷的人。聽他口若懸河地
吹噓一家叫作RBC Life Sciences的傳銷公司,我忍不住拿起他放在桌上的產品目錄冊
子來翻看。
這是一個來自美國紐約的體態有點發福的中年男子(記得他叫譚偉光,英文名Jacky
Tan),說話聲音挺大。他用帶有濃重廣東口音的國語,拍胸脯說:“我絕對不騙你,
我做RBC每個月賺兩萬!你看,這是髓寶----幹細胞產品,每天早兩粒晚兩粒能治好絕
癥,全球唯一,世紀性的創造!六十美元一瓶...”
他見我將信將疑,於是把一只印著英文字“Stem-Kine”的藍瓶子遞給我,並鄭重其事
地補充說:“RBC Life公司所有產品都是納米科技做的,老板是‘蘆薈之父’,世界第
一!”
為了躲避他的唾沫和口臭,我連忙轉過臉,細... 阅读全帖
A*****1
发帖数: 1738
17
来自主题: Sound_of_Music版 - Good Life - By One Republic
Good Life
http://www.youtube.com/watch?v=jZhQOvvV45w
Woke up in London yesterday
Found myself in the city near Piccadilly
Don't really know how I got here
I got some pictures on my phone
New names and numbers that I don't know
Address to places like Abbey Road
Day turns to night, night turns to whatever we want
We're young enough to say
Oh, this has gotta be the good life
This has gotta be the good life
This could really be a good life, good life
I say, "Oh, got this feeling that you can't fight... 阅读全帖
t****7
发帖数: 11132
18
来自主题: WaterWorld版 - ZL的姐姐吴今
吴今大学二年级出事前不久写过一篇英语作文.
To be or Not to be
--------The meaning of life, the meaning of death
Every one who knows Shakespere must know his most well-known tragedy:
Hamlet and that famous line: To be or not to be, that's a question. As
for Hamlet, to be or not to be is quite a dilemma: he was doomed to be
a tragedy, whether to live or to die. Perhaps everyone will confront
the similar choice to Hamlet in his life sooner or later. To survive
or to die, to fight or to surrender, to win or to lose. He ... 阅读全帖
k***g
发帖数: 4904
19
Just copied a few of the many emails I got. This happend all the time and it
's unbelievable that there was a guy who did not even know it.
----------------------------------------------------------------------------
----
Receive $100 in Starbucks® gift cards,* or
get up to 50% off**
Save now
Place a Gibco® product order of $1,500 or more to
receive $100 in Starbucks® gift cards or get up to 50% off.
Select from over 1,000 qualifying products.
© 2014 Life Technologies Corpora... 阅读全帖
G***e
发帖数: 535
20
Universal Life insurance是一種終生壽險(Permanent Life)
Term Life insurance則是一種定期壽險
你說的Universal Life不是VUL是錯誤的理解
VUL全名是Variable Universal Life,是Universal Life的一種
Variable是指cash value的增值不是固定的而是變動的(所以稱variable)
通常將cash value投資於mutual fund
相對於Variable Life有一種很常見的Whole Life
則是給予cash value固定的收益,通常APY比外頭的saving來得高以吸引顧客
Universal這個字本身則是指每期的premium是靈活的
如果手頭寬裕,可以多交一些premium
反之如果手頭緊,可以skip幾期,premium會由已有的cash value暫時支付
如果不是Universal的Permanent Life則沒有這個feature
Permanent Life的好處是cash value以後可以以loan的型式提出來
如此gain不用交稅
... 阅读全帖
J***u
发帖数: 51
21
来自主题: TrustInJesus版 - Remarkable changes to my life
How God’s Spirit Has Brought Remarkable Changes To My
Life

Part One: Witness to God’s Love For Me
While my husband was suffering from Pakinson disease, from the summer
of 2005 to the summer of 2010, I was exhausted physically and mentally,
attending to his need and seeing his illness worsening day after day. I had
some symptoms of depression and worry without knowing it, unable to fall
asleep at night. I saw my future was full of darkness. Negative feelings
t... 阅读全帖
l**********t
发帖数: 5754
22
chapter 7.3 The Choice That Confronted Adam
God planted a great number of trees in the garden of Eden, but “in the
midst of the garden”—that is, in a place of special prominence—He planted
two trees, the tree of life and the tree of the knowledge of good and evil.
Adam was created innocent; he had no knowledge of good and evil. Think of a
grown man, say thirty years old, who has no sense of right or wrong, no
power to differentiate between the two! Would you not say such a man was
undeveloped? W... 阅读全帖
l**********t
发帖数: 5754
23
chapter 7.3 The Choice That Confronted Adam
God planted a great number of trees in the garden of Eden, but “in the
midst of the garden”—that is, in a place of special prominence—He planted
two trees, the tree of life and the tree of the knowledge of good and evil.
Adam was created innocent; he had no knowledge of good and evil. Think of a
grown man, say thirty years old, who has no sense of right or wrong, no
power to differentiate between the two! Would you not say such a man was
undeveloped? W... 阅读全帖
a**u
发帖数: 8107
24
来自主题: Wisdom版 - [合集] Eternal life
☆─────────────────────────────────────☆
dzry67 (碧水) 于 (Fri Apr 2 22:04:43 2010, 美东) 提到:
You cannot die even you want to. Body dies, but you are not the body. Mind
dies, but you are not the mind, either. Body is like the car you are driving
. It is important. But it is not you. Mind is like the clothes you are
wearing. It is useful to you. But it is not you. You are the eternal
awareness. Most people think they are taking good care of themselves. But
they don't. You must first identify who ... 阅读全帖
w*******e
发帖数: 6802
25
来自主题: _BibleStudy版 - Remarkable changes to my life (转载)
【 以下文字转载自 TrustInJesus 讨论区 】
发信人: Joylu (Juan), 信区: TrustInJesus
标 题: Remarkable changes to my life
发信站: BBS 未名空间站 (Sun Jul 10 14:09:24 2011, 美东)
How God’s Spirit Has Brought Remarkable Changes To My
Life

Part One: Witness to God’s Love For Me
While my husband was suffering from Pakinson disease, from the summer
of 2005 to the summer of 2010, I was exhausted physically and mentally,
attending to his need and seeing his illness worsening day after day. I had
... 阅读全帖
a**r
发帖数: 661
26
来自主题: Investment版 - 403b or life insurance
关于cash value whole life 的另一方意见
不愿意读全文的话就看最后一句
Don't do cash value insurance! Buy term and invest the difference.
--------------
http://www.daveramsey.com/article/the-truth-about-life-insuranc
The Truth About Life Insurance
from daveramsey.com on 25 Oct 2010
By Dave Ramsey
Myth: Cash value life insurance, like whole life, will help me retire
wealthy .
Truth: Cash value life insurance is one of the worst financial products
available.
Sadly, over 70% of the life insurance policies sold today are ca... 阅读全帖
m******f
发帖数: 270
27
来自主题: Seattle版 - 包子征答:Get an edge on life
Edge 在这里应该做 “优势” 解释,英文里有句常用片语叫做 get an edge,就是取
得优势的意思。比如说:
You can get an edge in the team if you know how to suck up to your boss.
--- 如果你懂得讨好老板,你在组里就会占优势。
To get an edge in the market, we must have biometrics security intrinsic to
Windows 9.
--- 为了要能在市场上取得优势,Windows 9 必须将生物辨识安全功能做为内建。
好,前面三个字 get an edge 的意义清楚了。接下来看后面两个字:on life。
一般我们在 life 这个名词前面用的介系词是 in,in someone's life,在生命里、在
生命中。比如说:I've never loved any man in my life,我一生中从未爱过任何男
人。
但是楼主的句子里不是 in life 而是 on life,这比较少见,该做何解释?嗯,中文
不是很好翻译,... 阅读全帖
l**********t
发帖数: 5754
28
chapter 7.5 He That Hath The Son Hath The Life
There are various planes of life. Human life lies between the life of the
lower animals and the life of God. We cannot bridge the gulf that divides us
from the plane above or the plane below, and the distance that separates us
from the life of God is vastly greater than that which separates us from
the life of the lower animals.
In China one day I called on a Christian leader who was sick in bed, and
whom, for the sake of this story, I shall call ‘M... 阅读全帖
l**********t
发帖数: 5754
29
chapter 7.5 He That Hath The Son Hath The Life
There are various planes of life. Human life lies between the life of the
lower animals and the life of God. We cannot bridge the gulf that divides us
from the plane above or the plane below, and the distance that separates us
from the life of God is vastly greater than that which separates us from
the life of the lower animals.
In China one day I called on a Christian leader who was sick in bed, and
whom, for the sake of this story, I shall call ‘M... 阅读全帖
S*******s
发帖数: 10098
30
来自主题: Investment版 - Return Premium Term Life Insurance
http://www.consumersearch.com/search/reviews/%20life%20insuranc
According to agencies that rate financial strength &
Accoding to consumers and/or organizations like the Better Business Bureau
Voted as the top 2 choices: Mass Mutual and Northwestern Mutual.
((Mass Mutual has spent 50 years at the top of A.M. Best's insurance ratings.
It is one of the financially strongest life insurance companies at Weiss
Ratings -- the strictest of the ratings agencies, according to
ConsumerReports.org. It earns... 阅读全帖
K*Q
发帖数: 1001
31
来自主题: Seattle版 - Beware of Universal Life Insurance 2
In my last article, I explained the basic differences between term and
permanent insurance. Permanent insurance such as Whole Life, Universal Life,
Equity-Indexed Universal Life and Variable Universal Life is regularly
promoted as the perfect retirement vehicle or the new way to build wealth.
This week I will expose the fallacies of those arguments.
First of all, I believe that the need for life insurance should be met in
the most economical way possible. With universal insurance, where life
ins... 阅读全帖
l**********t
发帖数: 5754
32
chapter 5.3 Resurrection Unto Newness Of Life
"If we have become united with him by the likeness of his death, we
shall be also be the likeness of his resurrection (Rom. 6:5).
Now with resurrection the figure is different because something new is
introduced. I am "baptized into his death", but I do not enter in quite
the same way into His resurrection, for, Praise the Lord! His
resurrection enters into me, imparting to me a new life. In the death
of the Lord the emphasis is ... 阅读全帖
l**********t
发帖数: 5754
33
chapter 5.3 Resurrection Unto Newness Of Life
"If we have become united with him by the likeness of his death, we
shall be also be the likeness of his resurrection (Rom. 6:5).
Now with resurrection the figure is different because something new is
introduced. I am "baptized into his death", but I do not enter in quite
the same way into His resurrection, for, Praise the Lord! His
resurrection enters into me, imparting to me a new life. In the death
of the Lord the emphasis is ... 阅读全帖
N*********6
发帖数: 2302
34
来自主题: Military版 - It's my life (转载)
【 以下文字转载自 Music 讨论区 】
发信人: Narcissus26 (灭绝师太), 信区: Music
标 题: It's my life
发信站: BBS 未名空间站 (Thu Jan 14 09:53:12 2016, 美东)
这首歌很好。听了6.5个mile的run.
https://www.youtube.com/watch?v=vx2u5uUu3DE
"It's My Life"
This ain't a song for the broken-hearted
No silent prayer for the faith-departed
I ain't gonna be just a face in the crowd
You're gonna hear my voice
When I shout it out loud
[Chorus:]
It's my life
It's now or never
I ain't gonna live forever
I just want to live while I'm alive
(It's my life)
My ... 阅读全帖
N*********6
发帖数: 2302
35
来自主题: Military版 - It's my life (转载)
【 以下文字转载自 Music 讨论区 】
发信人: Narcissus26 (灭绝师太), 信区: Music
标 题: It's my life
发信站: BBS 未名空间站 (Thu Jan 14 09:53:12 2016, 美东)
这首歌很好。听了6.5个mile的run.
https://www.youtube.com/watch?v=vx2u5uUu3DE
"It's My Life"
This ain't a song for the broken-hearted
No silent prayer for the faith-departed
I ain't gonna be just a face in the crowd
You're gonna hear my voice
When I shout it out loud
[Chorus:]
It's my life
It's now or never
I ain't gonna live forever
I just want to live while I'm alive
(It's my life)
My ... 阅读全帖
b********j
发帖数: 109
36
来自主题: NewJersey版 - 买完房需要买份Life insurance吗?
放狗搜了下:
wiki上的解释http://en.wikipedia.org/wiki/Life_insurance~~~太长。大意好像就是没钱就买term 吧,老了term很贵了但也许没有life insurance的需要;有钱就可以买whole,贵些但cover 终身、有Cash value,可以自己投资且避税。
Term insurance
Term assurance provides life insurance coverage for a specified term. The
policy does not accumulate cash value. Term is generally considered "pure"
insurance, where the premium buys protection in the event of death and
nothing else.
There are three key factors to be considered in term insurance:
Face amount (protecti... 阅读全帖
K*Q
发帖数: 1001
37
来自主题: Seattle版 - Beware of Universal Life Insurance
http://www.guardingyourwealth.com/insurance/articles/Lifeinsura
Has a life insurance agent suggested that you buy ‘permanent’ insurance
such as Whole Life, Universal Life or Variable Universal Life? The reasons
they give seem so compelling, but are they in your best interest? Here’s an
explanation of the basics, plus what the insurance agent isn’t telling you!
There are two broad categories of life insurance—term and permanent. The
basic idea behind life insurance is that if you die prematurely,... 阅读全帖
i******o
发帖数: 6843
38
【 以下文字转载自 Music 讨论区 】
发信人: iToldUso (嗔睡鼠), 信区: Music
标 题: 发首欢乐的歌儿祝大家周末愉快吧~iToldUso-Life is wonderful(J
发信站: BBS 未名空间站 (Fri Oct 28 23:20:44 2011, 美东)
http://www.megaupload.com/?d=OI2LOC6D download
发现我录过的轻松欢快的歌还真是少啊。。。大部分都是颓废的。。。以后要尽量多录
欢乐的歌!
这首也是大半夜录的,当天收到好几个offer, 心情特别好,就很哈皮地唱了这歌。伴
奏是自己消音加升调的,效果听起来有些恐怖。。。除了一些和声叠加的部分是分开录
的,其他都是一遍过的,很粗糙,唱得也挺漫不经心的,基本没啥技巧可言,好在这歌
也就是听个欢乐美好的情绪... 后来分别有两个朋友说要帮我录个好一点儿的吉他伴奏
的,结果从四月份一直拖到现在还一版伴奏也没录出来...
祝大家周末愉快&节日快乐~~
jason mraz - life is wonderful
it takes a crane to bui... 阅读全帖
i******o
发帖数: 6843
39
【 以下文字转载自 Music 讨论区 】
发信人: iToldUso (嗔睡鼠), 信区: Music
标 题: 发首欢乐的歌儿祝大家周末愉快吧~iToldUso-Life is wonderful(J
发信站: BBS 未名空间站 (Fri Oct 28 23:20:44 2011, 美东)
http://www.megaupload.com/?d=OI2LOC6D download
发现我录过的轻松欢快的歌还真是少啊。。。大部分都是颓废的。。。以后要尽量多录
欢乐的歌!
这首也是大半夜录的,当天收到好几个offer, 心情特别好,就很哈皮地唱了这歌。伴
奏是自己消音加升调的,效果听起来有些恐怖。。。除了一些和声叠加的部分是分开录
的,其他都是一遍过的,很粗糙,唱得也挺漫不经心的,基本没啥技巧可言,好在这歌
也就是听个欢乐美好的情绪... 后来分别有两个朋友说要帮我录个好一点儿的吉他伴奏
的,结果从四月份一直拖到现在还一版伴奏也没录出来...
祝大家周末愉快&节日快乐~~
jason mraz - life is wonderful
it takes a crane to bui... 阅读全帖
w***n
发帖数: 2474
40
[From Yahoo News]
Boat sinks, Texas man survives 30 hours in Gulf
HOUSTON (AP) — For hours after their boat sank, Ken Henderson and Ed Coen
treaded water in the Gulf of Mexico, talking about life and death while
struggling to survive. For more than 30 hours, it worked.
Then Henderson was forced to make a decision that would save his life, but
not his best friend's.
"This is the last-ditch effort, but I'm going to go for help or you're not
going to make it," Henderson told Coen, just before cutti... 阅读全帖
l**********t
发帖数: 5754
41
chapter 10.3 The Law Of This Spirit Of Life
“There is therefore now no condemnation to them that are in Christ Jesus,
who walk not after the flesh, but after the Spirit. For the law of the
Spirit of life in Christ Jesus hath made free from the law of sin and death
” (Rom. 8:1, 2, A.V.).
It is in chapter 8 that Paul presents to us in detail the positive side of
life in the Spirit. “There is therefore now no condemnation”, he begins,
and this statement may at first seem out of place here. Surely c... 阅读全帖
l**********t
发帖数: 5754
42
chapter 10.3 The Law Of This Spirit Of Life
“There is therefore now no condemnation to them that are in Christ Jesus,
who walk not after the flesh, but after the Spirit. For the law of the
Spirit of life in Christ Jesus hath made free from the law of sin and death
” (Rom. 8:1, 2, A.V.).
It is in chapter 8 that Paul presents to us in detail the positive side of
life in the Spirit. “There is therefore now no condemnation”, he begins,
and this statement may at first seem out of place here. Surely c... 阅读全帖
a*****o
发帖数: 1
43
Financial Services Representative
Location: Los Angeles, CA
Type: Full Time
Min. Experience: Entry Level
Introduction:
New York Life is currently seeking self-motivated, driven individuals with a
passion for making a positive impact on peoples’ lives.
As a Financial Services Professional (Agent) you will have the freedom to
build your network of insurance clients and business associates who are
looking for insurance and financial solutions.
New York Life Insurance Company, a Fortune 100 company ... 阅读全帖
S*******s
发帖数: 10098
44
来自主题: Investment版 - 403b or life insurance
你提到的是每个月几十块。我上一个贴里忘记标上“每年几十块就可以买到一个30万
Term Life”,这是可convert to cash value Whole life 的Term Life rider。如此
, 把Term Life和whole life垒在一起买就很便宜划算,收入不高的人也能买得起一点点
Cash Value Whole life作为11年以上的长期资产.
如果我从机器单独计算term life policy, 不是作为rider来做的话, 帮33岁健康人士调
出来的面额50万,Premium从一年300多块到一年500或600不等,主要看那家carrier保
险公司
的rating 高不高了,凡是rating越高的保险公司,Premium就收得越高。
不过年轻时候死亡的概率很低,大多数人拿不回赔偿,所以Term Life才那么便宜。
即便车祸, 也是伤残的几率大于死亡的几率。 我看到的统计数据说, term life 只
有2% claim, 那么年轻时买20年的term的总金额,相当于白白给保险公司送钱, 而
Whole life 却可以把分红和死亡赔偿金全... 阅读全帖
p**8
发帖数: 3883
45
有小孩,有房贷的朋友,最好要买life insurance.
买了,就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫-家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,希望大家可以继续讨论
1.有孩子的都应该买life insurance,越早买越便宜,公司的group insurance是不够
的,一是数额比较小,二是万一失业了这个insurance就没有了,年纪大了万一失业了
再想买term life会很贵。
2.life insurance分term和whole life,whole life顾名思义就是能保一生,有点类似
... 阅读全帖
p**8
发帖数: 3883
46
有小孩,有房贷的朋友,最好要买life insurance.
买了,就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫-家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,希望大家可以继续讨论
1.有孩子的都应该买life insurance,越早买越便宜,公司的group insurance是不够
的,一是数额比较小,二是万一失业了这个insurance就没有了,年纪大了万一失业了
再想买term life会很贵。
2.life insurance分term和whole life,whole life顾名思义就是能保一生,有点类似
... 阅读全帖
p**8
发帖数: 3883
47
有小孩,有房贷的朋友,最好要买life insurance.
买了,就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫-家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,希望大家可以继续讨论
1.有孩子的都应该买life insurance,越早买越便宜,公司的group insurance是不够
的,一是数额比较小,二是万一失业了这个insurance就没有了,年纪大了万一失业了
再想买term life会很贵。
2.life insurance分term和whole life,whole life顾名思义就是能保一生,有点类似
... 阅读全帖
p**8
发帖数: 3883
48
有小孩,有房贷的朋友,最好要买life insurance.
买了,就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫-家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
这两天看到那个宝宝版的帖子很难过,虽然离开SD好多年了,但是还是感觉似乎就是自
己的邻居家出的事情,心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面,但是觉得还是单独发个帖子比较好。这只是抛
砖引玉,希望大家可以继续讨论
1.有孩子的都应该买life insurance,越早买越便宜,公司的group insurance是不够
的,一是数额比较小,二是万一失业了这个insurance就没有了,年纪大了万一失业了
再想买term life会很贵。
2.life insurance分term和whole life,whole life顾名思义就是能保一生,有点类似
... 阅读全帖
z******n
发帖数: 139
49
life分两大类,term and permanent. Permanent 下面又分三大类, whole life(储
蓄类), universal life and variable life(投资类). 涉及owner(持保人),
insured(被保人)盒和beneficiary三者。 owner 可以是insured(自己替自己保),
也可以是beneficiary(自己替别人保). 举例,前者lg自己给自己买,受益人是lp,后
者lp 替lg买,受益人是lp. 保单里分premium(保费), accumulated/cash value(现
金帐户) 和death benefit (保额)。保费就是你的成本,每年该交的钱,现金帐户就
是你不要保单可以拿回的钱,保额就是人挂后可以拿到的钱。 ==== Term 分三类,
annual renewable, level and return of premium. Level最简单从签订日开始保费固
定,年限固定。 交一年有效一年,这一年没事,第二年就一切重新开始了。什么时候
停交了,保险就自动失效。 Annual renew... 阅读全帖
i******o
发帖数: 6843
50
http://www.megaupload.com/?d=OI2LOC6D download
发现我录过的轻松欢快的歌还真是少啊。。。大部分都是颓废的。。。以后要尽量多录
欢乐的歌!
这首也是大半夜录的,当天收到好几个offer, 心情特别好,就很哈皮地唱了这歌。伴
奏是自己消音加升调的,效果听起来有些恐怖。。。除了一些和声叠加的部分是分开录
的,其他都是一遍过的,很粗糙,唱得也挺漫不经心的,基本没啥技巧可言,好在这歌
也就是听个欢乐美好的情绪... 后来分别有两个朋友说要帮我录个好一点儿的吉他伴奏
的,结果从四月份一直拖到现在还一版伴奏也没录出来...
祝大家周末愉快&节日快乐~~
jason mraz - life is wonderful
it takes a crane to build a crane
it takes two floors to make a story
it takes an egg to make a hen
it takes a hen to make an egg
there is no end to what i'm saying
it takes... 阅读全帖
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