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2008 becker serial number 可以 run 2011 update course disc吗

2008 becker serial number 可以 run 2011 update course disc吗# Accounting - 会计审计

e*s2011-02-25 08:02

1 楼

请问有没有什么合集摘要之类的我可以借鉴一下？
我的理解是Term的作用只是保险，Whole Life还兼有投资和避税的作用。同样的保额，
whole life要比term贵出一二十倍。
我两个都买了一点，现在有个time sensitive offer可以把term 转成whole life。我
觉得投资通过保险和自己买股票基金地产可能差不了多少。LD有合法手段把钱转到避税
国家（想瑞士新加坡）去储蓄投资，所以避税的作用对我来说意义不大。
不知这个理解对不对。哪些没有投资收益税和遗产税的国家是不是根本就不需要whole
life？
谢谢。

b*52011-02-25 08:02

2 楼

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QQ 3200795302

I*G2011-02-25 08:02

3 楼

糖水片一直是自己的一大喜好，2009也是如此。
不过儿子出生后，拍照的时间大大减少了，拍糖水的时间也基本没了，但是却多了一个
真正值得回忆的拍摄主题，儿子。
January
趁开会机会，留下了几张New Mexico的印象
New Mexico shoot on flight
Trees
February
失落的帝国
April
时光隧道
暗香
儿子终于第一次在室外迈出其人生的第一步，但是老爸费劲了心思，用XZP的遮光罩才能引起他迈步的兴趣
May
Thriving
儿子准备首次回中国了，和老爸道别
June
儿子回国，趁空继续糖水
终于有机会拜访了美国最东边的国家公园，Acadia
可惜天空不作美，只留下这张PS的Bass Harbour Lighthouse
回到Boston,
Boston's downtown (为了这张照片，付出了$40 ticket的代价)
July
MA
一个夏天的经历，此身难忘，最值得回忆的或许就是这显微照片了。。。
Reconstituted Filopodia in vitro
Sept
儿子归来，
Oct
儿子开始自己“吃饭”了
Nov.
儿子开始

g*y2011-02-25 08:02

4 楼

请问有人知道
2008 becker serial number 可以 run 2011 update course disc吗？还是一定要2010
/2011的才能run呢？谢谢！

s*s2011-02-25 08:02

5 楼

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 coverage only. On the death of the insured it pays the face
amount of the policy to the named beneficiary. You can buy term for periods
of one year to 30 years. Whole life insurance, on the other hand, combines a
term policy with an investment component. The investment could be in bonds
and money-market instruments or stocks. The policy builds cash value that
you can borrow against. The three most common types of whole life insurance
are traditional whole life policies, universal and variable. With both whole
life and term, you can lock in the same monthly payment over the life of
the policy. (Read more on how to buy a life insurance policy or determine
how much life insurance you will need.)
Whole life insurance is expensive: You're paying not only for insurance but
also for the investment portion. That extra cost might almost be worth it if
these policies were a good investment vehicle. But usually they aren't.
Insurance agents like to call these policies retirement plans, emphasizing
the "forced savings" inherent in forking over the premiums each month "for
retirement."
Leaving aside the fact that there are many better ways to save for
retirement, these policies come with high fees and commissions, which
sometimes lop off as much as three percentage points from the annual return.
On top of that, there are up-front (but hidden) commissions that are
typically 100% of your first year's premium. Worse, it's often impossible to
tell what the return on the investment will be, and how much of what you
pay in goes toward the insurance and how much toward the investment.
Premiums for term insurance are downright cheap for people in good health up
to about age 50. After that age, premiums start to get progressively more
expensive. The same holds true for whole life policies, though people who
need coverage starting in their 60s and beyond may have no alternative but
to buy whole life. Most companies simply won't sell term policies to people
over about age 65.
To get a real sense of the value of term, let's compare a term policy and a
universal life policy. Say a 40-year-old nonsmoking male has a choice
between a $250,000 Met Life universal policy with a $3,000 annual premium
and a same amount of renewable term coverage with a 20-year fixed premium of
$350. At the end of one year, the universal policy, assuming it paid 5.7%
per year, tax-deferred, would have a cash value of exactly zero (cash value
is the amount you would get back if you canceled the policy). But say he had
instead invested $2,650 (the difference between $3,000 and $350) in a no-
load mutual fund that averaged a total return of 10% annually. At the end of
the first year, he'd have $2,841, accounting for taxes on the earnings at a
28% rate. At the end of 10 years, he would have accumulated more than $46,
000 in after-tax savings in the mutual fund. Over the same period, the cash
value of the policy would have climbed only to $31,819.
That's not to say that whole life insurance is always a bad idea. Wealthy
people can use whole life in their estate planning by setting up an
insurance trust that will pay their estate taxes from the proceeds of the
policy. And for the growing number of people in their late 40s or early 50s
who are just starting families, whole life is at least worth a look.
One of the great problems with whole life is only an expert can tell if a
policy you own or are considering will ever become a decent investment.
James Hunt, actuary for the Consumer Federation of America, who has analyzed
thousands of policies, notes that whole life policies hardly ever yield a
reasonable return unless held for 20 years or more. So if you buy one be
prepared to pay into it for the very long haul.
The key to a whole life policy is its internal rate of return -- the yield
on the policy after all fees and charges are subtracted. A competent
analysis can determine at a minimum whether the weight of the fees and
charges built into one of these policies will ever allow a worthwhile return
. Such an analysis will also pinpoint the minimum amount of cash value that
you can derive from a policy at any given time interval.
You've been faithfully paying into that whole life policy a good pal of your
brother-in-law sold you 10 years ago. And now you're thinking, "Hey wait a
minute, I should be bailing out and getting a cheap term policy." Not so
fast. First and foremost, keep in mind the substantial sum you've probably
paid in over the years. How much will you get if you "surrender" or cash it
in now? The answer to that question can be found in the illustrations you
got when you signed on the dotted line. If you can't determine the surrender
value you may have to -- heaven forbid -- call your agent and ask. But it's
worth taking the trouble before you make a decision.
Most policies don't start to build decent a cash value until their 12th or
15th year. So if you cash in after 10 years, you could be out of a lot of
money. And you can be sure that if you surrender in the first five years or
so, practically every dime you put in will be down the toilet. The next
thing you have to consider is whether you are still insurable at a
reasonable rate if you switch to term. That's because you'll have to
requalify medically. If you are over 50, smoke or have health problems, you
may find it's cheaper to hold onto your old policy. Another option worth
considering is a tax-free transfer of the value in your old policy into a
better one, perhaps from a low-commission company like Ameritas.
If you're looking for whole life coverage or a term policy that you'll want
to keep 20 or 30 years, the financial soundness of the insurer is a critical
concern. You want some assurance the company will be around in case you
aren't. For insurance companies, the major credit agencies like Standard &
Poor's rate claims-paying ability.
Fortunately, information on the credit worthiness of insurance companies is
easy to obtain. Reports are cheap or free over the Internet. You can always
contact the insurance company and ask about its ratings, but it's best to
get this information independently. In general, go with an insurer rated A
or better; the most financially sound insurers are rated AAA, though some
rating agencies use slightly different letter grades.
The premier Web site in terms of detail and ease of use, (best of all, it's
free) is insure.com where you can get ratings online from Standard & Poor's
as well comprehensive reports on individual insurers. AM Best has a huge
database, but you have to pay for it. While you can access ratings free of
charge, a detailed company report will set you back $75.
Make sure any report you get is current, say within the last six months. Be
extra careful to confirm ratings you'll find on many of the online quote
services, which may be stale.

l*a2011-02-25 08:02

6 楼

很唯美的一组。把糖水发挥到了极致。赞！

a*a2011-02-25 08:02

7 楼

Big NO。。。
Or how could they make $

g*g2011-02-25 08:02

8 楼

Good article, in short, whole life is for rich, and I mean very
rich that inheritance tax is a concern.
Do term and invest the rest.

help
periods

【在 s***s 的大作中提到】

: 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 coverage only. On the death of the insured it pays the face
: amount of the policy to the named beneficiary. You can buy term for periods

x*r2011-02-25 08:02

9 楼

真好!

【在 I*G 的大作中提到】

: 糖水片一直是自己的一大喜好，2009也是如此。
: 不过儿子出生后，拍照的时间大大减少了，拍糖水的时间也基本没了，但是却多了一个
: 真正值得回忆的拍摄主题，儿子。
: January
: 趁开会机会，留下了几张New Mexico的印象
: New Mexico shoot on flight
: Trees
: February
: 失落的帝国
: April

M*y2011-02-25 08:02

10 楼

I was also considering the same question recently. By rich, how rich are you
talking about? Leaving more than 1 million legacy?

【在 g*****g 的大作中提到】

: Good article, in short, whole life is for rich, and I mean very
: rich that inheritance tax is a concern.
: Do term and invest the rest.
:
: help
: periods

t*82011-02-25 08:02

11 楼

顶，好片。有几张相当梦幻。
显微镜的那张拍的是什么？

【在 I*G 的大作中提到】

g*g2011-02-25 08:02

12 楼

More than that, I think you can inherit 5M without tax today.

you

【在 M********y 的大作中提到】

: I was also considering the same question recently. By rich, how rich are you
: talking about? Leaving more than 1 million legacy?

k*n2011-02-25 08:02

13 楼

很甜

【在 I*G 的大作中提到】

t*s2011-02-25 08:02

14 楼

if you are asking this question, you're not rich enough.

you

【在 M********y 的大作中提到】

: I was also considering the same question recently. By rich, how rich are you
: talking about? Leaving more than 1 million legacy?

C*l2011-02-25 08:02

15 楼

我正纳闷你今年怎么没出现呢。

【在 I*G 的大作中提到】

g*r2011-02-25 08:02

16 楼

赞!

【在 I*G 的大作中提到】

M*n2011-02-25 08:02

17 楼

同问

【在 t*****8 的大作中提到】

: 顶，好片。有几张相当梦幻。
: 显微镜的那张拍的是什么？

v*o2011-02-25 08:02

18 楼

糖水真好。同好奇显微镜拍的是啥？

y*i2011-02-25 08:02

19 楼

糖水能拍成这样，没有多少吧？当得起精美二字

【在 I*G 的大作中提到】

a*82011-02-25 08:02

20 楼

赞开裆裤

I*G2011-02-25 08:02

21 楼

多谢楼上各位喜欢，
这显微照片是 Reconstituted Filopodia in vitro.

【在 y****i 的大作中提到】

: 糖水能拍成这样，没有多少吧？当得起精美二字

I*G2011-02-25 08:02

22 楼

今年太多杂事了，而且没怎么认真的去拍片，本来都不想贴图了。
不过仔细整理一下，还能给2009总结一番，给自己也六个纪念：）

【在 C***l 的大作中提到】

: 我正纳闷你今年怎么没出现呢。

t*x2011-02-25 08:02

23 楼

大牛啊~ 呵呵，偶就喜欢“时光隧道”这种片子

p*42011-02-25 08:02

24 楼

儿子的那几张拍的很赞啊。很好的人像作品

【在 I*G 的大作中提到】

y*e2011-02-25 08:02

25 楼

都很赞啊！色彩缤纷。
显微那个是什么？

I*G2011-02-25 08:02

26 楼

俺也很喜欢这效果，但是还没有达到预期的效果

【在 t****x 的大作中提到】

: 大牛啊~ 呵呵，偶就喜欢“时光隧道”这种片子

I*G2011-02-25 08:02

27 楼

多谢：）还在琢磨如何拍小孩，抓拍人像真的很难，一年不到，快门轻松过2万

【在 p********4 的大作中提到】

: 儿子的那几张拍的很赞啊。很好的人像作品

I*G2011-02-25 08:02

28 楼

多谢黄苹果
显微那个是细胞骨架分子(Actin)在细胞外聚集形成的特殊形状

【在 y*********e 的大作中提到】

: 都很赞啊！色彩缤纷。
: 显微那个是什么？

q*g2011-02-25 08:02

29 楼

不错不错

a*f2011-02-25 08:02

30 楼

glad to see you back. 一眨眼儿子已经这么大了。真帅！
Atlanta Downtown那张在哪里拍的？

c*l2011-02-25 08:02

31 楼

糖水赞。儿子更赞。

【在 I*G 的大作中提到】

k*i2011-02-25 08:02

32 楼

照片真精致！！！

【在 I*G 的大作中提到】

b*r2011-02-25 08:02

33 楼

喜欢，的确很唯美。：）儿子的双眼皮真可爱，呵呵。

l*s2011-02-25 08:02

34 楼

超赞糖水！

【在 I*G 的大作中提到】

I*G2011-02-25 08:02

35 楼

多谢楼上各位：）

【在 b*****r 的大作中提到】

: 喜欢，的确很唯美。：）儿子的双眼皮真可爱，呵呵。

I*G2011-02-25 08:02

36 楼

很久不见了：）
atlanta downtown那张是从stone mountain上拍得

【在 a*f 的大作中提到】

: glad to see you back. 一眨眼儿子已经这么大了。真帅！
: Atlanta Downtown那张在哪里拍的？

C*Y2011-02-25 08:02

37 楼

什么叫糖水？

l*l2011-02-25 08:02

38 楼

楼主照的真好。
不知MAY和OCT的人像片子，光源是如何设置的。看光的强度，像是人工光源。

I*G2011-02-25 08:02

39 楼

多谢，
May是利用自然光，从侧面的窗户透入，
Oct是利用闪光灯的反射光，对天花板打。

【在 l*l 的大作中提到】

: 楼主照的真好。
: 不知MAY和OCT的人像片子，光源是如何设置的。看光的强度，像是人工光源。

I*G2011-02-25 08:02

40 楼

这个定义很复杂，每个人有自己的想法。
板上曾经似乎有过激烈的讨论。。。。
我觉得拍得片子自己看着喜欢，即可。

【在 C*****Y 的大作中提到】

: 什么叫糖水？

l*l2011-02-25 08:02

41 楼

楼主真是厉害。自然的侧光拍出这么好的片子。
顺便问一下，楼主用的是什么型号的闪光灯。我用CANON 580EX II 就达不到这效果。

【在 I*G 的大作中提到】

: 多谢，
: May是利用自然光，从侧面的窗户透入，
: Oct是利用闪光灯的反射光，对天花板打。

s*s2011-02-25 08:02

42 楼

失落的帝国,时光隧道,嘿嘿....名字和图片都大气到位...
水的那张说不出来的感觉,仿若青翠的竹子...一种感觉~

I*G2011-02-25 08:02

43 楼

多谢夸奖，其实我更喜欢透过窗户的自然光，
可能我闪光灯还不知道如何设置，总之拍小孩子，他总是乱跑，固定闪灯根本无法搞定。
我的闪灯是SB800， nikon
只要找好反射面，应该不难达到那效果

【在 l*l 的大作中提到】

: 楼主真是厉害。自然的侧光拍出这么好的片子。
: 顺便问一下，楼主用的是什么型号的闪光灯。我用CANON 580EX II 就达不到这效果。

I*G2011-02-25 08:02

44 楼

多谢：）
我个人很喜欢失落的帝国这个名字：）

【在 s******s 的大作中提到】

: 失落的帝国,时光隧道,嘿嘿....名字和图片都大气到位...
: 水的那张说不出来的感觉,仿若青翠的竹子...一种感觉~

s*s2011-02-25 08:02

45 楼

一个恰到好处的名字和图片相符才锦上添花~

【在 I*G 的大作中提到】

: 多谢：）
: 我个人很喜欢失落的帝国这个名字：）

z*u2011-02-25 08:02

46 楼

小孩好可爱，最喜欢玩沙的和最后一张。还喜欢隧道和暗香。