The DIME Method
Apr 19, 2017
Skeptics of climate change have long argued that global warming stopped around 1998, when an unusually powerful El Ni?o produced the hottest year of the 20th century. Some politicians in Washington have seized on that claim to justify inaction on emissions.
gala＝milk牛奶，milky way＝银河系以xy结尾的只有4个单词，xy表示交织在一起，象坐标线一样，银河系也象星星交织在一起。参：neodoxy（n 新学说；新见解）；orthodoxy（adj 正统的）；heterodoxy（n 非正统；异说）
LONDON — Since its inception in 2002, the Saturday Profile has aimed to bring to readers of The New York Times people around the world they probably have never heard of, but who have led interesting lives and done extraordinary things, or perhaps recently gone through a remarkable experience.
For the fourth year in a row, the top five places continue to be dominated by the same five intercontinental EMBAs. Tiemba came top this year not by spectacularly outperforming its rivals but thanks to a strong performance across most indicators. In particular, the alumni have the second highest salary on average ($324,000) behind alumni from the Kellogg/HKUST programme ($408,000). Tiemba is also ranked second for career progression and fourth for work experience.
Debt: Add up any of their outstanding debts and future funeral expenses.
Income: Figure out how many years their family would need financial support. Take that number and multiply it by their income. We prefer this method because the rule of 10 can be limiting. Some families would require financial support for longer than 10 years. This way, you are customizing their coverage based on their family's specific needs.
Mortgage: Add the amount they still owe on their mortgage.
Education: Calculate the amount of money it would cost to provide their children with higher education. Keep in mind, this doesn’t just mean tuition. Do not forget to include cost of books, housing, and meal plans.