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【人寿保险】

人寿保险常见问答icon_ hot.gif 从事保险行业7 年的感悟icon_ hot.gif
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举例说明借钱投资RRSP的意义 又是一年报税时:税率降低个人免税增至9600元
有了政府提供的养老金,为什么还要买RRSP? 梦想与目标:我们理财应该遵守的原则
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南方人学会做面食了

南方人学会做面食了-馒头,包子, 肉夹馍

今天借先生的博客, 咱也XB一下. 呵呵.....

原来蒸馒头对于我这个南方人来说好难 ; 可老公是北方人, 爱吃面食, 我想我不会做也要学会做. 于是在网上看啊, 找啊, 实践啊, 终于作为南方人的我, 居然学会了自己做面食-馒头,包子, 肉夹馍……呵呵, 加拿大真能锻炼人.

看到有许多的朋友对蒸馒头很头痛,今天我也班门弄斧,在这里写一下,尽管我做的也不是十全十美,但愿想学的朋友看了以后少走弯路,下面的内容是自己的制作经验,欢迎大家来共同讨论蒸馒头的话题。馒头做好了,花卷、豆沙包、包子也就都有了。

馒头制作流程如下: 原料→和面→发酵→成型→醒发→汽蒸→冷却→成品

蒸馒头用的面粉一般采用: Five Roses.

发酵剂:我用Active Dried Yeast (干依士-华人超市有卖) , 或者 Fleischmann’s (No Frills 等西人超市有卖).

图片

做法 •

1、和面:可将适量Active Dried Yeast 和Baking Soda 放入温牛奶中(可用水代替) 溶解加上小许盐和糖,面粉放入面盆中,将鲜酵母水直接撒在面粉上,充分拌匀后逐渐加水揉面至盆内无干面,面筋形成,揉至面团不粘手、有弹性、表面光滑。

2、发酵:将和好的面团盖上盖,放在温暖处发酵至面团体积2倍大、内部蜂窝组织均匀时完毕。

3、成型:将发好的面团揉匀至面团内无气泡,可将面团横切一刀,查看面团的截面有无明显气泡,如果没有明 显气泡说明面揉好了。然后将面团分割成大小合适的剂子、搓圆,装人蒸屉(笼)内加盖或放在帘子上盖湿布醒发。

4、醒发: 可以放在170 华氏度(我们家烤箱的最低温度) 约10-15分钟醒发, 这时可用手轻按馒头生坯,有弹性即可 .

  这一步很重要, 不能省去.

5、蒸制:锅内放入凉水,在笼屉上刷一层油或铺好打湿的屉布,大火烧开蒸锅内的水,放入馒头生坯,馒头之间要有一定的空隙,否则馒头膨大以后会粘连影响成品的品相。立即转中火蒸15分钟即可关火,5分钟以后再开盖,将馒头取出放在竹浅儿或帘子上盖湿布晾凉。

图片

 

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馒头会做了, 下面的就都有了......

 

 

 

 

 

 

图片

看到先生很爱吃牛羊馆的肉夹馍,于是学琢磨着做。听先生说:“比那儿的还好吃。”心里好美哦。

图片

肉夹馍的馅,爱吃辣的朋友。可以加点辣椒(小朝天椒)。我上次去朋友家就带的辣的和不辣的馅,辣得最受欢迎。

图片

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每当孩子吃饭店买的Pizza时说:“妈妈,没你做的好吃。”我可高兴了。

 

图片

日本烤鳗鱼寿司

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小孩子们可爱吃我做的寿司了,这么一盘,几个小朋友一会儿吃光。

图片

好看吧?

谢谢观赏....

$2500deductible 价目表
21st century 保慢性病 $2500deductible
Age $25,000 $50,000
0-25 $1.46 $1.81
26-34 $1.58 $1.93
35-39 $1.69 $2.01
40-54 $1.93 $2.37
55-59 $2.08 $2.53
60-64 $2.79 $3.50
65-69 $3.16 $3.98
70-74 $4.53 $5.83
75-79 $5.60 $7.55
80-85 $7.76 $9.77
21st century  (不保慢性病) $2500deductible
Age $25,000 $50,000
60-64 $2.51 $2.95
65-69 $2.85 $3.35
70-74 $3.93 $4.68
75-79 $4.31 $5.41
80-85 $4.96 $6.29
86 + $10.03 N/A
 
$250 垫底费价目表
21st century 保慢性病 $250deductible
Age $10,000 $15,000 $25,000 $50,000 $100K $150K
0-25 $1.45 $1.79 $1.88 $2.17 $2.84 $3.11
26-34 $1.55 $1.84 $2.03 $2.31 $3.13 $3.53
35-39 $1.64 $1.93 $2.17 $2.41 $3.32 $3.92
40-54 $1.72 $2.20 $2.48 $2.84 $4.20 $5.08
55-59 $1.82 $2.34 $2.67 $3.03 $4.35 $5.67
60-64 $2.67 $3.06 $3.58 $4.20 $5.25 N/A
65-69 $2.86 $3.58 $4.06 $4.77 $6.51 N/A
70-74 $4.20 $5.39 $5.82 $6.99 $8.86 N/A
75-79 $5.07 $6.34 $7.20 $9.05 $10.95 N/A
80-85 $6.81 $8.56 $9.98 $11.73 $14.85 N/A
21st century  (不保慢性病) $250deductible
Age $10,000 $15,000 $25,000 $50,000 $100,000 $150,000
60-64 $2.41 $2.76 $3.23 $3.79 $4.74 N/A
65-69 $2.58 $3.23 $3.66 $4.31 $5.88 N/A
70-74 $3.48 $4.39 $5.06 $6.01 $7.62 N/A
75-79 $4.10 $5.07 $5.54 $6.96 $9.05 N/A
80-85 $4.43 $5.74 $6.38 $8.08 $10.22 N/A
86 + $8.51 $10.95 $12.90 N/A N/A N/A

 

$3000垫底费综合价目比较表
以下是一个人的每天的报价: (请根据您的具体年龄查看, 按申请保险时的实足年龄查)3000垫底费 保稳定慢性病 
Age: company 10,000 15,000 25,000 50,000 100,000 150,000
Up to 25 RSA-JF $1.19 $1.43 $1.59 $1.75 $2.52 $3.01
TIC-OPT $1.11 $1.32 $1.48 $1.62 $2.34 $2.79
26-40 RSA-JF $1.30 $1.56 $1.75 $1.93 $2.81 $3.27
TIC-OPT $1.21 $1.45 $1.62 $1.79 $2.61 $3.03
41-60 RSA-JF $1.60 $1.91 $2.14 $2.32 $3.69 $4.30
TIC-OPT $1.39 $1.66 $1.86 $2.02 $3.21 $3.74
61-64 RSA-JF $1.73 $2.25 $2.70 $2.91 $3.58 $4.45
TIC-OPT $1.60 $2.09 $2.50 $2.70 $3.32 $4.12
65-69  RSA-JF $2.10 $2.74 $3.30 $3.57 $4.17 $5.18
TIC-OPT $1.95 $2.55 $3.07 $3.31 $3.86 $4.81
Age: company 10,000 15,000 25,000 50,000 100,000 150,000
70-74 RSA-JF $3.35 $4.37 $5.25 $5.77 $7.12 N/A
TIC-OPT $3.11 $4.05 $4.87 $5.36 $6.27 N/A
75-79 RSA-JF $4.65 $6.05 $7.18 $7.92 $9.88 N/A
TIC-OPT $3.72 $4.84 $5.75 $6.34 $7.43 N/A
80-85  RSA-JF N/A N/A N/A N/A N/A N/A
TIC-OPT $7.43 N/A $11.49 $12.67 $14.85 N/A
以下是一个人的每天的报价: (请根据您的具体年龄查看, 按申请保险时的实足年龄查)3000垫底费  不保慢性病计划报价
Age: company 10,000 15,000 25,000 50,000 100,000 150,000
70-74 RSA-JF $2.68 $3.49 $4.20 $4.61 $5.69 N/A 
TIC-OPT $2.49 $3.24 $3.90 $4.28 N/A N/A 
75-79 RSA-JF $3.21 $4.17 $4.96 $5.46 $7.90  N/A
TIC-OPT $2.98 $3.87 $4.60 $5.07 N/A  N/A
80-84 RSA-JF $4.63 $5.87 $7.21 $7.77 $10.71 N/A
TIC-OPT $4.03 $5.10 $6.27 $6.76 N/A N/A
85 RSA-JF $4.63 $5.87 $7.21 $7.77 $10.71 N/A
TIC-OPT $4.03 $5.10 $6.27 $6.76 N/A N/A
86+  RSA-JF $6.68 $8.63 $10.40 N/A N/A  N/A
TIC-OPT $6.20 $8.01 $9.65 $10.61 N/A  N/A

 

1000 垫底费 综合价目比较表
1000 Deductible , 保稳定慢性病
Age: company 10000 15000 20000 25000 30000 50000 100000 150000
Up to 25 RSA-JF $1.28 $1.53 N/A $1.70 N/A $1.88 $2.70 $3.23
  TU $1.34 N/A $1.85 N/A $2.08 $2.27 $3.31 $3.93
26-40 RSA-JF $1.40 $1.67 N/A $1.88 N/A $2.06 $3.02 $3.50
  TU $1.46 N/A $2.01 N/A $2.26 $2.47 $3.66 $4.28
41-60 RSA-JF $1.72 $2.05 N/A $2.30 N/A $2.49 $3.95 $4.61
  TU $1.68 N/A $2.31 N/A $2.59 $2.82 $4.41 $5.20
61-64 RSA-JF $1.85 $2.41 N/A $2.89 N/A $3.11 $3.83 $4.76
  TU $1.95 N/A $2.92 N/A $3.49 $3.80 $4.61 $5.66
65-69  RSA-JF $2.25 $2.94 N/A $3.54 N/A $3.83 $4.46 $5.55
  TU $2.35 N/A $3.54 N/A $4.24 $4.66 $5.45 $6.72
Age: company 10,000 15,000 20,000 25,000 30,000 50,000 100,000 150,000
70-74 RSA-JF $3.59 $4.68 N/A $5.63 N/A $6.18 $7.63 N/A
  TU N/A N/A $5.67 N/A $6.79 $7.33 $8.79 $10.85
75-79 RSA-JF $4.98 $6.48 N/A $7.70 N/A $8.48 $10.58 N
  TU N/A N/A $6.77 N/A $8.11 $8.76 $10.17 $12.55
以下是一个人的每天的报价: (请根据您的具体年龄查看, 按申请保险时的实足年龄查)1000垫底费  不保慢性病计划报价
Age: company 10000 15000 20000 25000 30000 50000 100000 150000
70-74 RSA-JF $2.87 $3.74 N/A $4.50 N/A $4.94 $6.10 N
  TU N/A N/A $4.53 N/A $5.43 $5.87 $7.03 $8.68
75-79 RSA-JF $3.44 $4.47 N/A $5.31 N/A $5.85 $8.47 N
  TU N/A N/A $5.41 N/A $6.18 $6.67 $7.75 $9.56
80-84 RSA-JF $4.97 $6.29 N/A $7.73 N/A $8.33 $11.48 N/A
  TU N/A N/A $7.19 N/A $8.78 $9.49 $10.66 $13.40
85 RSA-JF $4.97 $6.29 N/A $7.73 N/A $8.33 $11.48 N/A
TU N/A N/A $11.88 N/A $14.25 $15.38 $18.61 $22.50
RSA-JF $7.16 $9.25 N/A $11.14 N/A N/A N/A N/A
86+ TU N/A N/A $13.98 N/A $16.77 $18.09 $21.89 $26.47

 

探亲保险价钱比较表 $50 Deductible
以下是一个人的每天的报价: (请根据您的具体年龄查看, 按申请保险时的实足年龄查)50垫底费 保稳定慢性病 
Age: company 10,000 15,000 25,000 50,000 100,000 150,000
up to 25 21st century $1.61 $1.99 $2.09 $2.41 $3.16 $3.45
TIC-OPT $1.50 $1.80 $2.00 $2.20 $3.17 $3.79
GMS-JFV $1.81 $2.16 $2.40 $2.64 $3.81 $4.55
26-34 21st century $1.72 $2.04 $2.25 $2.57 $3.48 $3.92
TIC-OPT $1.64 $1.97 $2.20 $2.42 $3.54 $4.11
GMS-JFV $1.98 $2.36 $2.64 $2.91 $4.26 $4.94
35-39 21st century $1.82 $2.14 $2.41 $2.68 $3.69 $4.35
TIC-OPT $1.64 $1.97 $2.20 $2.42 $3.54 $4.11
GMS-JFV $1.98 $2.36 $2.64 $2.91 $4.26 $4.94
40 21st century $1.91 $2.44 $2.76 $3.16 $4.67 $5.64
TIC-OPT $1.64 $1.97 $2.20 $2.42 $3.54 $4.11
GMS-JFV $1.98 $2.36 $2.64 $2.91 $4.26 $4.94
41-54 21st century $1.91 $2.44 $2.76 $3.16 $4.67 $5.64
TIC-OPT $1.89 $2.25 $2.53 $2.75 $4.35 $5.07
GMS-JFV $2.27 $2.70 $3.03 $3.30 $5.23 $6.09
Age: company 10,000 15,000 25,000 50,000 100,000 150,000
55-59 21st century $2.02 $2.60 $2.97 $3.37 $4.83 $6.30
TIC-OPT $1.89 $2.25 $2.53 $2.75 $4.35 $5.07
GMS-JFV $2.27 $2.70 $3.03 $3.30 $5.23 $6.09
60 21st century $2.97 $3.40 $3.98 $4.67 $5.83 N/A
TIC-OPT $1.89 $2.25 $2.53 $2.75 $4.35 $5.07
GMS-JFV $2.27 $2.70 $3.03 $3.30 $5.23 $6.09
61-64 21st century $2.97 $3.40 $3.98 $4.67 $5.83 N/A
TIC-OPT $2.18 $2.83 $3.39 $3.66 $4.50 $5.60
GMS-JFV $2.61 $3.40 $4.07 $4.39 $5.41 $6.72
65-69 21st century $3.18 $3.98 $4.51 $5.30 $7.23 N/A
TIC-OPT $2.64 $3.46 $4.16 $4.49 $5.24 $6.53
GMS-JFV $3.17 $4.15 $5.00 $5.40 $6.29 $7.83
Age: company 10,000 15,000 25,000 50,000 100,000 150,000
70-74 21st century $4.67 $5.99 $6.47 $7.77 $9.84 N/A
TIC-OPT $4.21 $5.50 $6.61 $7.26 $8.51 N/A
GMS-JFV $5.06 $6.60 $7.93 $8.72 N/A N/A
75-79 21st century $5.63 $7.04 $8.00 $10.06 $12.17 N/A
TIC-OPT $5.05 $6.56 $7.80 $8.60 $10.08 N/A
GMS-JFV $6.05 $7.88 $9.36 $10.32 N/A N/A
80-85 21st century $7.57 $9.51 $11.09 $13.03 $16.50 N/A
TIC-OPT N/A N/A N/A N/A N/A N/A
GMS-JFV N/A N/A N/A N/A N/A N/A
以下是一个人的每天的报价: (请根据您的具体年龄查看, 按申请保险时的实足年龄查)50垫底费  不保慢性病计划报价
Age: company 10,000 15,000 25,000 50,000 100,000 150,000
60 21st century $2.68 $3.07 $3.59 $4.21 $5.27 N/A
TIC-OPT $1.89 $2.25 $2.53 $2.75 $4.35 $5.07
GMS-JFV $2.27 $2.70 $3.03 $3.30 $5.23 $6.09
61-64 21st century $2.68 $3.07 $3.59 $4.21 $5.27 N/A
TIC-OPT $2.18 $2.83 $3.39 $3.66 $4.50 $5.60
GMS-JFV $2.61 $3.40 $4.07 $4.39 $5.41 $6.72
65-69 21st century $2.87 $3.59 $4.07 $4.79 $6.53 N/A
TIC-OPT $2.64 $3.46 $4.16 $4.49 $5.24 $6.53
GMS-JFV $3.17 $4.15 $5.00 $5.40 $6.29 $7.83
70-74 21st century $3.87 $4.88 $5.62 $6.68 $8.47 N/A
TIC-OPT $3.37 $4.40 $5.29 $5.81 $7.52 N/A 
GMS-JFV $4.05 $5.28 $6.35 $6.97 N/A N/A
75-79 21st century $4.55 $5.63 $6.16 $7.73 $10.06 N/A
TIC-OPT $4.04 $5.25 $6.24 $6.88 $9.07  N/A
GMS-JFV $4.85 $6.31 $7.49 $8.26 N/A N/A
80-84 21st century $4.92 $6.38 $7.09 $8.98 $11.36 N/A
TIC-OPT $5.47 $6.93 $8.51 $9.17 N/A N/A
GMS-JFV $6.56 $8.31 $10.21 $11.00 N/A N/A
85 21st century $4.92 $6.38 $7.09 $8.98 $11.36 N/A
TIC-OPT $5.76 $7.29 $8.96 $9.65 N/A N/A
GMS-JFV $6.91 $8.75 $10.75 $11.58 N/A N/A

 

访加探亲保险$100垫底费计划价目表
以下是一个人的每天的报价: $100垫底费(保稳定慢性病)
Age: company $10,000 $15,000 $20,000 $25,000 $30,000 $50,000 $100,000 $150,000
Up to 25 RSA-JF $1.62 $1.94 N/A $2.16 N/A $2.38 $3.42 $4.09
TU $1.50 N/A $2.07 N/A $2.33 $2.54 $3.70 $4.62
26-40 RSA-JF $1.77 $2.12 N/A $2.38 N/A $2.61 $3.82 $4.44
TU $1.63 N/A $2.25 N/A $2.53 $2.76 $4.09 $4.78
41-54 RSA-JF $2.18 $2.59 N/A $2.91 N/A $3.15 $5.01 $5.83
TU $1.88 N/A $2.58 N/A $2.90 $3.15 $4.93 $5.81
61-64 RSA-JF $2.35 $3.05 N/A $3.66 N/A $3.94 $4.85 $6.03
TU $2.18 N/A $3.26 N/A $3.90 $4.25 $5.15 $6.33
65-69  RSA-JF $2.85 $3.72 N/A $4.48 N/A $4.85 $5.65 $7.03
TU $2.63 N/A $3.96 N/A $4.74 $5.21 $6.09 $7.51
Age: company $10,000 $15,000 $20,00 $25,000 $30,000 $50,000 $100,000 $150,000
70-74 RSA-JF $4.54 $5.93 N/A $7.13 N/A $7.83 $9.66 N/A
TU N/A N/A $6.34 N/A $7.59 $8.19 $9.82 $12.12
75-79 RSA-JF $6.31 $8.21 N/A $9.75 N/A $10.74 $13.40 N/A
TU N/A N/A $7.57 N/A $9.06 $9.79 $11.37 $14.02
80-85  RSA-JF N/A N/A N/A N/A N/A N/A N/A N/A
TU N/A N/A N/A N/A N/A N/A N/A N/A
不保慢性病计划100垫底费报价
Age: company $10,000 $15,000 $20,000 $25,000 $30,000 $50,000 $100,000 $150,000
70-74 RSA-JF $3.64 $4.74 N/A $5.70 N/A $6.26 $7.72 N/A
TU N/A N/A $5.06 N/A $6.07 $6.56 $7.86 $9.70
75-79 RSA-JF $4.35 $5.66 N/A $6.73 N/A $7.41 N/A N/A
TU N/A N/A $6.05 N/A $7.25 $7.83 $9.10 $11.22
80-85 RSA-JF $6.29 $7.96 N/A $9.79 N/A $10.55 $14.54 N/A
TU N/A N/A $8.04 N/A $9.81 $10.60 $11.91 $14.98
86+  RSA-JF $9.54 $12.33 N/A $14.85 N/A  N/A $23.51  N/A
TU N/A N/A $13.28 N/A $15.93 $17.19 $20.80 $25.15

 

Dear Mother, Dear Father
Dear Mother, Dear Father
 
 
Dear Mother, Dear Father
 
上次我写过一篇文章关于朋友的女儿如何提高英文写作的:(点击链接读这篇文章)
 
 昨天得知朋友的女儿又获奖了很是为他们高兴. 也向他们表示祝贺.
 
这里有详细的消息:
经得他们同意, 他们把原文让我发表在这儿, 与大家share. 他还说, 欢迎斧正. 朋友请您读后, 请发表您的高见. 这是10年级同学写的文章.
 
 
Dear Mother, Dear Father—
No. Not at all.
Eva took the sheet of paper, crumpled it up, and threw it into the recycling. It didn’t work; it was too intimate an address for what would come next.
She picked up her pen and tried again.
Mother, Father—
No. Still no. The words were too respectful for the parents that held all of her animosity and none of her affection.
How were you supposed to start off a letter that explained why you haven’t contacted your parents for seven years?
 
Eva sat back and stared out her bedroom window. An old brick wall from the apartment across the street stared back. Somewhere in the distance, a bird squawked.
 
She owed her parents an explanation; she knew this much. She was twenty-five now, and they knew nothing about how she was doing. They had the right to know why, after eighteen years of playing family, she’d just turned around and…stopped.
 
The day she’d packed up and left for college, she had told them only one thing: “I don’t want to have you in my life.” They’d first dismissed it as some sort of reaction brought about by a change in life phase. But eventually, faced with the short, brute responses to their bundles of letters, marked only with Return to sender, they could do nothing but comply. So the letters stopped coming. The money stopped coming. The Christmas gifts that were everything but heartfelt stopped coming.
 
But, Eva knew, her parents would still be blind enough to ask why.
 
“Why?” she muttered, twisting a strip of paper around and around her fingers. “Why?”
Eva is four. Her parents stand in front of a grant piano and watch her play, inspecting her every move with critical detail.
 
“You’re not good enough,” says her mother.
“You’re a disappointment,” says her father.
 
Her small, childish voice rings out, saying, “But I’m trying—”
“You’re not trying hard enough,” her mother snaps. “Don’t turn yourself into a failure.”
A failure. Eva let out a bitter sound. Everything she did—every move, every word, every pen mark and note ever played, was a failure. And she wasn’t allowed to explain herself; oh no, she would always, inevitably, be in the wrong.
 
Eva is twelve. Her parents’ voices fly over her head, courtesy of an almost-perfect-but-not-quite test.
 
“Why do you have a ninety-nine?” screams her mother.
“This is unacceptable,” yells her father.
“But it’s just one mistake—”
“You clearly haven’t been working,” her father says coldly. “Go back to your room and stay there.”
 
So many assumptions, and never a pause for her to stop working and actually live.
Eva is sixteen. She might as well be seven, though, given the way her parents are still treating her.
 
“Who cares about friends?” asks her mother.
“You’re staying at home,” orders her father.
“But I’ve never even been to a birthday party—”
“Your grades are the only things that matter,” her mother responds. “You’re too young to know what’s good for you.”
 
Too young. She’d always been too young for them, her opinion too insignificant to receive much thought. Her life had been planned out for her right from the beginning.
 
Eva is seventeen. She buries herself in the stack of college applications, trying helplessly to drown out her parents’ voices.
 
“You’re going  into engineering,” orders her mother.
“Baking? Over my dead body,” snaps her father.
“But I want to—”
“It doesn’t matter what you want,” her father interrupts. “Your parents know best.”
 
There had been nothing for her to enjoy about being an adolescent, not when every day was a battle of wills. So she had gradually distanced herself from her parents over the years; to her, they become nothing more than critics that she only had to tolerate for a little while longer.
 
Until, finally, she could leave.
Leaving for a field she didn’t like, yes. But at least, stepping into college, she was free. Being away from home made it all the easier to disappear.
 
Eva is eighteen. She’s realized something now—that, in a strange new city with strange new people, she is no longer her parents’ daughter.
 
And there is no mother to tell her what she has to do.
And there is no father to tell her that they’ll always be right.
 
She lets their relationship disappear until neither side matters to the other.
Eva is eighteen, and now her parents are strangers.
 
She never saw her parents again.
She struggled to pay rent; scrimped and saved for a paltry bank account; and, despite her best efforts, sometimes still ended up living in someone’s basement.
But at least she never had to deal with her parents—the parents that had never considered that maybe, just maybe, they weren’t the only ones who deserved a voice.
Eva looked around at the peeling walls and shabby furniture. She thought. For a long time, she thought.
 
And then she knew. She wrote and crossed out and ripped up and wrote again, until finally, she had the perfect set of words in front of her, the last thing she’d ever send to her parents.
 
Mr. & Mrs. Greene:
All you ever did was talk. All I ever wanted was for you to listen.
 
 
 
Eva
 
 

 
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