The DIME Method
Apr 19, 2017
《钢铁侠3》（Iron Man 3）凭借12亿美元的票房总收入成为目前2013年最卖座影片。不过这还不足以令其主演小罗伯特·唐尼（Robert Downey Jr.）摘下我们票房收入最高演员的桂冠。今年，绰号“巨石强森”的德韦恩·约翰逊（Dwayne Johnson）凭借更加努力的工作，击败了唐尼。
Given that every single Wall Street economist had called for higher rates at the start of this year and 67 of 67 economists surveyed by Bloomberg concurred, the rate-sensitive utilities industry would have been the last sector a rational person would want to overweight. Bets on the financial sector were slow to pay off while wagers on “cheap” energy stocks demolished portfolio performance in the third and fourth quarters, just as they had elevated it during the first and second.
When Finnish programmer Jerry Jalava had a motorcycle accident in 2008, he faced a double tragedy. First, he lost his finger, an obvious problem for anyone who types for a living. Second, he had to deal with a medical team who thought they were comedians—learning of his profession, one surgeon joked that Jalava should go out and buy a “USB finger drive.”
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.