關於 life insurance中文 ，我們在網路上蒐集到這些相關的討論、資訊與評價

肺炎疫情期間的應對措施及建議


肺炎疫情在世界各地持續造成重大感染，在 3/27 週五下午，美國感染人數突破了 10 萬人，目前有 24 個州、74 個郡、 14 個城市、1 個美屬地要求大家居家避難，大約有 2 億 2 千 3 百萬人被影響 (數字文章來源: See Which States and Cities Have Told Residents to Stay at Home)。 看著指數上升的感染人數， 我最近也真的不太敢去比較人多的 Costco 排隊，一切都盡量網上購物直接送到家。


因為這次肺炎疫情，我從 2 月開始陸續做了一些應對準備， 利用這篇文章和大家分享， 也希望集思廣益，如果你有特別的準備我沒有提到， 歡迎留言分享。


汽車保險: 從公司開始宣布在家工作後， 我們每天開車的哩程幾乎減少到 0， 因為美國的汽車保險都會參考你的使用頻率及通勤長度， 我線上聯絡我的保險 Geico ， 告知我從 3 月開始的使用量降低， 請他們從新幫我計算一次保險費。 在目前的狀態下， 我和我親愛的老婆 2 台車子保費一年大概降低 $160 美金， 算是因為肺炎疫情而省下的錢 (當然如果之後回去上班的話，還是要告知調整)。 有些朋友有使用新型保險公司 Metromile.com 的汽車保險，它也是參考你的開車使用量來決定保費，你也可以參考在同樣保障下，是否有比較便宜。


小冷凍箱: 因為不能常常出門買東西， 所以在購物的時候希望一次可以買多一些， 我在 3 月初從 Amazon 定了一個小冷凍箱，像最近一次 Costco 線上買菜的時候， 就可以多買一些冷凍食品放在家中， 讓每天在家煮飯有比較多的選擇不會吃膩。 目前 Amazon 許多冷凍箱因為疫情大家狂買， 許多比較大的牌子也都沒有貨或是要等比較久， 詳情大家可以參考 Amazon 連結: https://amzn.to/39t3Nxn


Term Life insurance: 從去年開始我就從不同場合聽到 life insurance 的重要性， 中文應該翻是人壽保險， 是如果因為什麼意外過世的話， 家人可以得到的保險。 一般來說，life insruance 主要會看你的年齡、要保多少年， 額度是多少，從而決定每個月要交的保費。 以我來說， 我有 2 歲的女兒， 我選擇 20 年的人壽保險， 這樣 20 年後她也 22 歲多了， 如果我真的因為什麼原因不在了， 相信她那時候也可以自己獨立生活。 人壽保險是越年輕時候買越便宜，當你簽好保險合約，之後不保了，過幾個月或幾年再重買的話， 因為年齡因素， 有極大可能保費會比較貴。 因為肺炎疫情，死亡人數也節節升高， 我最近也趕緊找資料、比較各保險內容， 簽署人壽保險的合約。 一般要買人壽保險除了簽署文件外， 都要做身體健康檢查 (保險公司要確認你沒有重大疾病)，因為疫情關係現在大家都不太敢去醫院 (其實檢查也暫時沒辦法接受預約)，但沒有報告的話，保險就沒辦法正式生效怎麼辦呢？


就我所知，有些保險公司會接受你去年的體檢報告(如果你有做的話)， 我則是找一些資料後， 從同事推薦的 PolicyGenius 來比較各保險公司， 並和他們的客服確認後， 申請了 Banner 保險公司的保險。 它不是我比價最便宜的方案，但我選擇它是因為它在我簽完申請書後，到做身體健康檢查、以及最後 Banner 確認一切沒問題正式生效這段期間，我就已經有一個暫時的保險。 因為最近身體健康檢查都沒辦法做， 我只能排到 5 月初的時段，正式生效可能最快也要 5 月中。 如果真的不幸我或我親愛的老婆在這段期間、因為肺炎疫情或是什麼緣故發生意外的話，保險會扣從現在到那時候的月費，但會給付人壽保險的額度。 等於我們現在是免費得到一個暫時人壽保險的方案， 當疫情穩定下來之後， 如果可以方便做身體檢查了， 我們應該會再比較方案， 再選擇可能是同樣保障中最便宜的方案。 如果你還沒有人壽保險， 在最近許多肺炎疫情死亡的案例也有許多年輕人的狀況，我建議你也應該保一下， 你可以先從 PolicyGenius 來比較方案， 有任何問題打電話他們都蠻迅速回覆的。 我的 PolicyGenius 推薦連結: https://bit.ly/33Jwsgt 。


自身安全: 當各地宣布居家避難後， 除了超市搶購食物， 美國許多地方也出現了搶購槍枝彈藥的人潮 (文章來源: Gun sales surge amid coronavirus fears — and lockdown)。而許多監獄因為怕獄中感染，提前釋放許多輕罪的犯人 (文章來源: Alameda County approves early release for nearly 250 inmates at Santa Rita Jail)。 除此之外，更有聽聞華人在舊金山被打，以及各地因為失業關係而治安變壞， 闖空門搶劫的案例發生。 於是我最近在 Amazon 上買了許多東西加強我的住家， 像是在門上裝防撞開的鎖 (Amazon 產品連結: https://amzn.to/2JjVqdd)， 可以抵禦 800 磅的撞擊力道，如果有什麼事情發生時希望可以阻止門被撞開。 電擊棒 Stun Gun (Amazon 產品連結: https://amzn.to/2vT0XnJ)，及辣椒噴霧 Pepper Spray (Amazon 產品連結: https://amzn.to/2xxY781)。 原本我只買了電擊棒， 但後來從 Youtube 影片看到電擊棒能並不能有效阻止敵人的活動 (可能可以停下幾秒)， 而辣椒噴霧是如果被噴到的臉話幾乎沒辦法再攻擊我的，所以我才再多準備噴霧了。


除了以上的東西， 我很早之前就裝了 Arlo 的防盜攝影機， 最近也在考慮是否要在升級成 ADT 之類的居家保全系統，畢竟如果晚上睡覺時候發生什麼事情的話， 我們的反應也會比較慢。


以上大概是我因為肺炎疫情所做的應對措施， 希望對你有些幫助， 如果你覺得什麼事情你也推薦我做的話， 歡迎留言、讓大家都可以有更好的準備。 在這個非常時期，大家真的要照顧好自己、照顧好家人， 健康平安度過疫情的期間。


https://brianhsublog.blogspot.com/2020/03/PreparationForCovid.html

昨天看到蠻多新聞在報導：
成田空港 因為受到颱風的影響..
昨晚共有逾1萬3千人被逼留在成田空港內過夜..

出門在外最怕碰上意外，但萬一碰上了
下回可以善用這由 社團法人日本損害保險協會和觀光廳及日本政府觀光局合作，在近日推出了新中文網站
「Information on Staying Safe in Japan」
彙集了緊急聯絡窗口、就醫查詢、遭遇事故或遇上天然災害所需資訊，可以先收藏喔～

＊再次分享老師規劃的 日本代購教學 課程介紹：
（以下網址分享文內有報名網址,可查詢最新課程資訊）
https://www.facebook.com/woeiluenjp/posts/829331984094460

朋友的不丹團

不丹是人稱「喜瑪拉雅山下的香格里拉」

有興趣的朋友可以參考參考

CCC

6月12-20不丹團 揪人

今年尼泊爾爬山完之後想要繞去大吉嶺一趟 發現有充裕的時間可以再回不丹一次 聯絡了之前去不丹的旅遊公司的CEO (上次去玩完之後成為好友 也介紹一些朋友給他）發現6月有兩個慶典可以參加 請他給我行程 因為有認識 所以只要我們湊團到10人以上 陸路進出9天8夜一人只要1550美金(和簽證費）「註通常一人一晚最低消費是250美」
另外這次也會找中文導遊一天100美金確定人數後大家共攤

這兩個慶典都在很少人去的不丹中部 拉車時間比較長 但是是看到跟格魯派（我們熟知的達賴喇嘛-黃帽）不同（藏傳佛教）教派的噶舉派慶典 （面具舞等等）

我個人3年前只去5天4夜就花了1100
吃住交通導遊都包含 我當時只有買明信片郵票跟啤酒有花到錢， 住宿都是3星旅館有wifi 或者不錯的不丹建築民宿

所以有興趣的朋友快點跟我連絡

想要陸路進出的順變跟我去大吉嶺錫金品茶的 我可以跟你們在Siliguri (機場是Bagdogra目前查到國泰或者華航+印度捷特航空從台北經印度德里到Bagdogra 6/8-6/21 都是台幣24300左右) 碰面 我可以帶你們搭公車到邊界

飛機進出的自理台北-曼谷航線 （威航虎航都是不錯的便宜選擇飛DMK, 價格都在7-8000左右 只是大家要記得跟去不丹是不同機場BKK）我們在不丹見
至於曼谷不丹部分 我查到的機票時間如下 目前來回官網查到是是$635 （～21300台幣）（還沒收到旅行社報價越晚訂越貴）
6/12 KB 141 BANGKOK 09:00 PARO 12:35
6/20 KB 130 PARO 13:35 BANGKOK 18:45

有超過10-15人我才能有這個好價錢 不然就放棄啦 有什麼問題盡量問我啊

下面是我上次去不丹的相簿連結
https://www.facebook.com/media/set/…
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行程如下

09 Days 08 Nights Bhutan Tour(Drive In Drive Out)

June 12th 2016 （陸路）- Day 01: Drive Phuntsholing Punakha (175 km + 75 km, 8-9 hrs drive)
After arrive in Phuntsholing in the morning and done with Immigrations formalities we drive to Thimphu and the drive to Punakha.
陸路有點顛簸 但是多參觀了邊界的不丹小城Phuntsholing 一路上有好多時間跟導遊聊天 當時問了了很多不丹的風俗飲食宗教家庭等等的問題 會暈車的請自備藥物
Dinner & O/N Hotel Lobesa or Similar

June 12th 2016 - Day 01 （飛機進不丹）: Arrive Paro by Air & transfer to Punakha via Thimphu (55 km + 75 km, approx 4.1/2 hours drive)
After arrive in Paro International Air-Port, Greet by BHT team & Transfer to Thimphu for lunch . After lunch we will visit Memorail Chorten built in the memory of the late King Jigme Dorji Wangchuck, & Dive to Punakha.
Dinner & O/N Hotel Lobesa or Similar

June 13th 2016 - Day 02: Punakha – Bumthang ( 212 km 8-9 hrs)
After breakfast we will we will drive full day through thick vegetations and many species of rhododendron & high passes of Pele-La (3150 mtrs), crossing Trongsa and visit Trongsa Dzong. Built in 1648, it was the seat of power over central and eastern Bhutan. Both the first and second kings of Bhutan ruled the country from this ancient seat. All four kings were invested as Trongsa Penlop (“governor”) prior to ascending the throne. The dzong is a massive structure with many levels, sloping down the contours of the ridge on which it is built. Because of the dzong’s highly strategic position, on the only connecting route between east and west, the Trongsa Penlop was able to control effectively the whole of the central and eastern regions of the country from here.
We drive and cross a small pass arrive Bumthang.
Dinner & O/N Hotel Mepham Guest house or Similar

June 14th 2016 - Day 03: Bumthang.
Today Morning after breakfast we will drive to visit Mebar Tsho - the Burning Lake. According to the legend Terton Pema Lingpa had a vision of the sacred treasures that Guru Rimpoche had hidden within the lake centuries earlier. However the people of Tang and the local ruler were cynical of his claims. In order to prove his claims, Pema Lingpa held a butter lamp in his hand as he jumped into the lake. After remaining under water for a long time he re-emerged holding a chest and a scroll of paper with the butter lamp held in his hand still burning bright. Thereafter, the lake came to be known as Mebartsho (the burning Lake).
The Burning Lake, Mebar Tsho is located along the way to the Tang village ,over the feeder road under Bumthang valley. It takes approximately thirty minutes drive to the Mebar Tsho from Chamkhar town.

Mebar Tsho is considered one of the most sacred sites in the region as it is related to the renowned religious treasure reveler (Terton) Terton Pema Lingpa. Pema Lingpa is considered an incarnated disciple of Padmasambhava who discovered treasure within the lake in late 15th century.
Today this small fresh water lake is a sacred pilgrimage site for the Bhutanese with bright multicolored prayer flags surrounding it and a small altar dedicated to Terton Pema Lingpa has also been set up. On auspicious days people offer butter lamps at the lake. Many tourist visit the site to observe spectacular beauty of this important historical and religious site.

Then we drive back to Chumey and witness the festival.

NIMALUNG FESTIVAL
Nimalung Lhakhang is located in Chumey in Bumthang. It is approximately a 15 minute drive from the road that branches off from the village of Chumey.
The Lhakhang was co-founded by Dasho Gonpo Dorji and Doring Trulku Jamyang Kunzang, the third mind-aspect reincarnation of Terton Jigme Lingpa in 1935.

The main relic of the two-storied temple is a magnificent statue of Guru Rimpoche. The monastery is decorated with murals of the Nyingmapa and Drukpa traditions. There are also paintings of Guru Rimpoche and his disciples, the lineage of Terton Pema Lingpa, and several Buddhist masters affiliated with the monastery.

One of the most important festivals held at the Lhakhang is the Kaling Zhitro Drubchen. It was initiated by Doring Trulku and he was the first person to have started the rite in Bhutan. It is held on the first fifteen days of the first month of the Bhutanese calendar.

The local Tshechu is held once a year in the 5th month of the Bhutanese calendar. During the Tshechu an awe-inspiring Thongdrol (gigantic scroll painting) of Guru Rimpoche is put on display for attendees. The Thongdrol is nine meters long and twelve meters wide and in addition to inspiring wonder is said to cleanse the sins of all those who look upon it. The Thongdrol which was donated by Lopen Pemala and was consecrated in June 1994 in the presence of a large crowd of villagers by Lhalung Thuksey Rimpoche, the reincarnation of mental aspect of Pema Lingpa. During the festival, a series of colorful and spectacular mask dances are performed.

After the festival we also visit the Yathra (woolen cloths) weaving factory then we stroll in the town and drive back to hotel.
Dinner & O/N Hotel Mepham Guest house or Similar

June 15th 2016 – Day 04: Bumthang (Kurjey Festival)
In the morning, we will visit Jambay Lhakhang, built in 659 by Tibetan King Sontsen Gampo to pin down a giant demon who was obstructing the spread of Buddhism. In the October month, the Jambay Lhakhang Drup, which is sacred & one of the most colourful festivals in Bhutan.
We will also visit Kurjey Lhakhang (left-bottom), one of the most sacred monasteries in Bhutan. Built by the Guru Rinpoche in 1652, it houses a rock with his body imprint. Legend has it that Guru Rimpoche manifested as a Garuda to defeat the demon Shelging Karpo who had taken the form of a white lion. And we will also witness the festival here.

KURJEY FESTIVAL
The festival takes place at Kurjey Temple, located at Kurjey in the Chokhor valley in Bumthang district. It is a 15 minute drive from our hotel to arrive at the temple grounds.
The history of the temples at Kurjey is associated with Sindhu Raja and Guru Rimpoche. Sindhu Raja invited Guru Rimpoche from Nepal to Bhutan to subdue some evil spirits that had been plaguing the land. Upon invitation, Guru Rimpoche visited Bumthang and meditated in a cave that resembled a pile of Dorjis (stylized thunderbolt used for Buddhist rituals). After subduing the evil spirits and demons, imprints of the Guru’s body remained in the rock face. Thereafter, the name came to be known as Kurjey meaning - “Imprint of the body”. The Lhakhang is now a blessed site of great historical significance.

There are three main temples at Kurjey. The oldest temple was constructed on the site where Guru Rimpoche meditated by Minjur Tenpa the first Trongsa Penlop (Governor of Trongsa) in 1652.

The second temple was founded by Gongsar Ugyen Wangchuck (1st King) in 1900 while serving as the 13th Trongsa Penlop. This temple is the most sacred as it was built in the place where Guru Rimpoche left his body imprint.

The third temple was built in the 1990s. It was sponsored by the Queen Mother Ashi Kezang Choden Wangchuck. It houses the images of Guru Rimpoche, King Thrisong Detsen and Pandit Santarakshita.

In front of the temples are Chortens dedicated to the first three kings of Bhutan.

The Kurjey festival is an important occasion not only for the local people of Bumthang but for all Bhutanese. The festival brings together tourists and Bhutanese from all over as it presents the perfect occasion to not only receive blessings by witnessing age-old mask dances but also to enjoy this unique culture whilst basking in the natural beauty of Bhutan’s spiritual heartland.

After the festival we will hike to the Tamshing Goemba, built in 1501 by the Buddhist saint Pema Lingpa. If time permits then we will visit Kencho Sum Lhakhang and Swiss farm for local cheese, wine beer and honey.
Dinner & O/N Hotel Mepham Guest House or Similar

June 16th 2016 - Day 05: Bumthang - Gangtey (193 km, 7-8 hours drive)
After early breakfast we will drive to Gangtey. Whole day drive back the same route. The one of the best country side to see.
Dinner & O/N Hotel Gakiling or Similar.

June 17th 2016 – Day 06 : Gangtey to Thimphu (140 km – 5 hrs drive)
After breakfast we will visit the valley and take a short walk, the valley of Phobjikha is well known as the winter home of the Black necked crane (Grus Nigricollis). Bhutan is home to around six hundred black-necked cranes with Phobjikha being one of the popular places that the birds migrate to in the winter months from the Tibetan plateau. The elegant and shy birds can be observed from early November to end of March. This is an old monastery that dates back to 17th century. Lao visit Gangtey Goenpa. Then drive to Punakha and visit Punakha Dzong - Built in 1637, and then also visit
Chhimi Lhakhang – also the temple of Divine Mad Man. We the drive to Thimphu.
Dinner & O/N Hotel Kisa or Similar

June 18th 2016 – Day 07 : Thimphu – Paro (60 km 1.5 hrs drive)
After breakfast in the hotel we will do the Thimphu sightseeing - visit the Big Buddha Dordenma staue, then visit Motithang mini Zoo to see the rare "Takin" national animal of Bhutan, then visit Zilukha Nunnery , Visit Zorig chusum 13 varities of Arts & Crafts. Then we drive to Paro.
After Lunch in Paro we will visit Ta Dzong, once a watchtower, built to defend Rinpung Dzong during inter-valley wars of the 17th century, Ta Dzong was inaugurated as Bhutan's National Museum in 1968. Then drive to visit Paro Rinpung Dzong. Built in 1646 by Zhabdrung Ngawang Namgyal , the first spiritual and temporal ruler of Bhutan, the Dzong houses the monastic body of Paro, the office of the Dzongda (district administrative head) and Thrimpon (judge) of Paro district. The approach to the Dzong or we exit and walk around through a traditional covered bridge called Nemi Zam where our car wait for us in the parking.
Dinner & O/N Olathang Hotel or similar

June 19th 2016 - Day 08: Day hike to Taktsang Monastery (Tiger Nest)
Day hike to the view point of Taktsang Monastery. Horses can be arranged with an extra payment. The hike which is all the way uphill takes about 2 /3 hours through villages and pine forests. The monastery clings to a huge granite cliff 800 meters from the paro valley. It is believed that the great saint Guru Padmasambhava came in the 7th century on a flying tigress and meditated in a cave. The demons were subdued who were trying to stop the spread of Buddhism and converted the Paro valley into Buddhism. During the end of the 17 century a monastery was built on the spot where the saint mediated and it is a pilgrimage site for every Buddhist to visit once in their life time.
Will have lunch in the cafeteria and walk back. If time permits then we will visit ruins of Drugyal Dzong.
Dinner in Farm House can make stay overnight also and Hot stone bath.
O/N Hotel Olathang or Similar or Farm House.

June 20th 2016 - Day 09 (陸路）: Drive to Phuntsholing (Indian Border town) .
After breakfast in the hotel we drive to Phuntsholing and checkout to India by evening.

June 20th 2016 - Day 09 （飛機出不丹）: Drive to the Airport.

Rate for the above package for the off-season month (Dec, Jan , Feb,June,July, August)

USD $ 1550 （陸路）per person above 10+ in the group.
USD $ 1550 （飛機）per person. above 10+ in the group. 曼谷不丹進出機票不含

Services Included:
• Twine share room in 3 star standard hotels.
• All meals (B,LD,)
• English speaking guide
• Entrance fees
• All necessary permits
• Land Transportations.
• Visa fee

Services Excluded:
• Mandarin speaking Guide ($ 100 per day )
• Travel insurance
• Airfare
• Expenses of personal nature (laundry, phone call etc)
• Liquor beverage (hard and soft drinks)
• Tips
• Pony hiring charge during Taktsang Monastery 虎穴寺 （走路的話 3/4小時來回）
• Service not mention here
• Hot stone bath.
• Lunch on the last day to Phuntsholing as the service ends with breakfast.

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Here’s how my first insurance roadshow went down, and what I got out of it after sulking for a month. Hahaha just kidding about the last part. I sulked for two months. (JK!)

// MORE INFORMATION //

RELATED VIDEOS//

LAST WEEK’S VIDEO
https://youtu.be/ZpFPiVzAA0c

中文字幕版 CHINESE SUBTITLED VERSION
https://youtu.be/i4J_NJgZg24

MUSIC CREDIT//

Chris Morrow 4 - Crying Over You
https://soundcloud.com/chris-morrow-3


IMAGE CREDIT//

End card image:
https://unsplash.com/@anniespratt



SOCIAL MEDIA//
INSTAGRAM: @madokeki
FACEBOOK: www.facebook.com/madokeki
BLOG: madokeki.blogspot.com
TWITTER: @madokeki (but it’s really quiet there for now)
SNAPCHAT: @madokeki (really quiet here too)

The highs and lows of June, everything seems to be in a balance, sort of. The lows made me realize everything I have are actually the highs of my life :)

// MORE INFORMATION //

RELATED VIDEOS//

LAST WEEK’S VIDEO
https://youtu.be/8Qf16j48EuY

中文字幕版 CHINESE SUBTITLED VERSION
https://youtu.be/tarwKCrae8c


MUSIC CREDIT//

LAKEY INSPIRED
Track Name: "Days Like These"
Music By: LAKEY INSPIRED @ https://soundcloud.com/lakeyinspired
Original upload HERE -https://www.youtube.com/watch?v=RTGEoh-vPIc
Official "LAKEY INSPIRED" YouTube Channel HERE -https://www.youtube.com/channel/UCOmy8wuTpC95lefU5d1dt2Q
License for commercial use: Creative Commons Attribution 3.0 Unported "Share Alike" (CC BY-SA 3.0) License.
Full License HERE - https://goo.gl/46uypf
Music promoted by NCM https://goo.gl/fh3rEJ



IMAGE CREDIT//

Thumbnail Image:
Photo by Mishal Ibrahim on Unsplash


End card image:
https://unsplash.com/@anniespratt



SOCIAL MEDIA//
INSTAGRAM: @madokeki
FACEBOOK: www.facebook.com/madokeki
BLOG: madokeki.blogspot.com
TWITTER: @madokeki (but it’s really quiet there for now)
SNAPCHAT: @madokeki (really quiet here too)