2个中国人移民加拿大后 2种截然不同的生活

   移民是小时候一个念想。“我的专业是英语，从小就盼望长大后能到国外看看，就这么简单。”2003年，晓文不少朋友都移民了。听他们说，只要条件符合，出国不难，而移民国家首选加拿大，因为入籍门槛低、经济高度发达、高福利、易创业。 i a s k . c a
两个中国人移民加拿大后的不同生活

加拿大 家园网

 

iAsk.ca

新文化报报道尽管平时也用Facebook聊天，但已经扎根加拿大温哥华的晓文，最喜欢的还是微信。几乎每晚入睡前，都会分享几个小名言，倾听国内朋友的小惊喜和小抱怨，看一看国内新闻。为什么有这样的习惯?他也说不清……

 

11日，加拿大联邦政府公布了新一年财政预算，打算终止“联邦投资移民(微博)”和“企业家移民”计划。这意味着约有5.9万投资者申请人和7000名企业家将被返还申请，其中70%的申请人来自中国，其中有些申请者已排队超过5年时间。在随后的无数条评论中，既有“差一点就出去了的”政策“受害者”在抱怨，也有“活该非要出国”的吐槽。

iask.ca

晓文自认为是幸运的，他已早一步实现了移民梦。可是，为什么移民?移民后的人生将发生怎样的改变?每个人的答案都不同。近日，来自长春的两位“先行者”，接受了记者的长途电话采访，讲述那段苦辣酸甜的移民之路。

 

人物1 晓文 年龄：38岁 职业：房产经纪人 www.iask.ca, C a n a d a M e e t
移民时间：6年 移民方式：投资移民

 

移民是小时候一个念想。“我的专业是英语，从小就盼望长大后能到国外看看，就这么简单。”2003年，晓文不少朋友都移民了。听他们说，只要条件符合，出国不难，而移民国家首选加拿大，因为入籍门槛低、经济高度发达、高福利、易创业。 CanadaMeet
移民心切的他多方打听与移民有关的一切：移民加拿大有两条路可选，一是选择人数众多的技术移民，门槛较多，申请不容易。二是投资移民，只要钱足，就可以顺利完成移民，通过率较高。思来想去，他锁定后者。

 

事实上，虽然当年晓文不算眼下的“土豪”，但凭着多年经商的财富积累，这笔钱还是拿得出。“我用了两个月时间准备申请的移民材料，很顺利就由移民中介递到移民局，没多久就收到移民局的确认号码。”晓文坦言，那时特别期待快一点获得最终审批，隔三差五打电话询问进展。 160.ca

人一旦有了明确的目标，其他的心思就淡了。“开始办移民后，本来几年前规划好了要扩大生意经营规模的想法，不知不觉地淡了。”晓文说，按照当时中介的承诺，正常情况下，投资移民加拿大1~2年之内就能有信，可没想到，“时间一晃过去了两年，移民局方面还是没有任何消息，看来希望不大了，这是我当时的想法，有点心灰意冷。”他告诉记者，在随后的时间里，除了继续做原有的培训学校生意，为了弥补这期间因等待移民所遭受的损失，他还曾去青岛、秦皇岛、海南投资房地产。 iask.ca
煎熬等来的是幸运。2007年，晓文终于接到了香港移民局的电话告知移民体检相关事宜，他至今还记得当时的心情。“等得太久了，简直不敢相信。”或许是等待过于漫长，接下来的移民之旅异常顺利，如同他所说的那样，这可能就是传说中的幸运吧，没有面试，也没有被抽到英语语言考试。

 

终于来到温哥华 贷款买套公寓 加拿大 家 园 网
2007年投资移民加拿大，有两种方式可以选择：一种是40万加元交给政府，5年无利息返还;另一种是一次性付12万加元(按照当时汇率1加元兑换7.9元人民币，约94.8万元人民币)。晓文选择了第二种方式，2007年11月7日，晓文站在了加拿大温哥华的土地上。由于温哥华的打车费高、房租不便宜、生活成本不低，晓文用手头变卖国内所有房产后的余钱，着手买房买车。

 

他回忆，当时温哥华市中心的房子单价高于同期北京、上海价格，根据财力，他只能选择贷款在温哥华国际机场附近购置一套三房公寓，共花费45万加元(约合355万元人民币)，每个月还贷1600加元;约3.5万加元(约合28万元人民币)全款买了一台本田CR-V轿车。购买后挺兴奋，可烦恼也随之而来。还贷的钱从哪来?

 

拼命打工 常常每天干16个小时

 

晓文承认，这两件消费过后，余钱已不多了，只能靠打工赚钱生活。如果说初到国外，生活可以慢慢适应，那么职业上带来的改变则是颠覆性的。

 

“原本在国内引以为豪的英语，在温哥华不值一提甚至只是基本工具，当地人多用英语或是法语。在国内的优越感瞬间都没了。一切只能重新开始。这种巨大的落差在出国前其实没想那么多。”

 

由于语言没有障碍，两个星期后，晓文找到了第一份工作———酒店“门童”，给客人拎行李、送餐，报酬为每小时9加元(约71元人民币)，他每天早上7点上班，以为只要肯出力就能赚钱养家，没想到，根据当地工会制度，每周打工的上线为40小时。在工作安排上，必须优先给老员工排班。 56.ca
问题出现了，晓文这份门童工作，即便按照上线每周40个小时计算，一个月下来，也只能收入1440加元，连还房贷都不够。为了多赚钱，他选择兼职当卡车司机，薪水每小时13加元，加上门童的工作，晓文一天常常要干16个小时。

 

“辛苦是辛苦，但那时的加拿大肉蛋奶蔬菜，价格非常便宜，如果买来回家吃，二三百加元就够了。”晓文说，通过兼职，每个月能有3000多加元的收入(税后，收入需要缴纳25% ~45%所得税)，能够满足日常开销，但身体极度疲劳，每到这时就问自己，为什么要来加拿大，这是想要的生活吗?

 

报名学房产经纪 收入大幅增加 家园论坛,forum.iask.ca
没有时间陪家人，辛苦之余难言幸福。这样的日子过了一年多，晓文意识到必须改变眼下这种工作状态。他清楚，若要过上更好的生活，重新掌握一门专业技能比什么都重要。功夫不负有心人———报名哥伦比亚大学地产经纪课程，为晓文今后的生活改变埋下了伏笔。 加拿大 家 园 网
他说，与国内中介不同，在温哥华当地“中介”上岗是需要牌照的。而想获得牌照，需要经过大学培训，主要培训课程包括本地法律，贷款计算方式。半年后，晓文顺利申请到了牌照，“大温房屋买卖”也挂牌开张，他职业定位和角色发生了转变。

 

说来晓文从事房地产也不是新手了，在国内市场，他熟悉中国地产经纪人营销套路，可在加拿大，一切都要推倒重来。“国内的房产中介，公司内部掌握大量市场房源信息，基本上都是以交易房屋佣金获利，促成买卖就算成功，但在温哥华当地就没有这么简单了。”晓文告诉记者，在加拿大从事房产中介生意，个人手里是没有任何资源的，所有的客户信息都是透明的，而要想获得这些资源，需要登录大温哥华地产局，支付一定费用后，获得密码看房源。而卖房子同样需要相当的知识沉淀。一套公寓房，需要给卖家介绍它的历史，哪年完工、谁住过、当年易主后价格等等。

“不过还好，适应过来了。”由于经营有方，成交量突出，晓文的收入大幅增加。 iask.ca
最直观的表现是，经过奋斗，他初到温哥华的那套贷款购置的房产早已卖了。取而代之的是一栋位于主城区内的城市屋。而过去不敢想的当地人所热衷的高端消费也成为晓文一家人的生活方式，工作之余，爬山、打高尔夫、玩冰球，渐渐成为休闲习惯。“还得努力。”晓文说，在加拿大，对贫穷的怜悯是有限度的，要想活得好，还得靠自己。

 

■探因 家 园 论 坛
究竟是什么吸引国人向往加拿大? 加拿大 家 园 网
在温哥华的6年多，晓文看到大量中国人涌入，特别是近两年，在大街上，很容易就能听到东北话。当地华人超市、社区银行，包括部分医生，均提供中文服务。他所在的城市，有两成多中国人，从事不同职业，操着不同的口音。但是有不少中国人，甚至有老乡，虽然也获得枫叶卡，但因语言问题，还做着当地人不愿意从事的技术含量低、吃苦出力的工作。 iask.ca
“四五年前，我认识了一位老移民，他是长春一所大学的老师，本来收入尚可，但来到温哥华后，因为不适应这里的语言环境，找不到理想的工作，在当地一家华人超市卖猪肉。” iAsk.ca
加拿大究竟是什么吸引国人向往?在与当地华人朋友交谈时，他也常常思考这个问题。“与国内最大的不同是对孩子成长和老人未来的保障，以及日常的医疗服务，这可能是来加拿大最主要的原因吧。”

晓文举例说明，只要是绿卡身份，全家人包括孩子的医疗都不用担心。加拿大实施全民免费医疗保健制度，只要是在医院，即可享受全部医疗服务，包括住院、治疗、妊娠检查、婴儿出生等。“但买药不免费。因为医院只看病不卖药，如果是处方药，需要到药店购买，这是防范医疗腐败的好办法。”而免费医疗只是其中的一项。公立小学和中学还全部免费，每年只需要交纳几加元的书本费。而收费只有私立学校。

家园论坛,forum.iask.ca

与此同时，在加拿大社会福利体系中，“牛奶金”也不能不提。所谓的“牛奶金”是按月支付给负责照顾18岁以下儿童的监护人的一项福利。晓文育有一子一女，目前均享受这项福利，两个孩子每个月还可以拿到一两百加元的补贴(按照最新汇率1加元=5.4743元人民币计算，约547元到1094元人民币)

 

“这个金额与所在地方政府和个人纳税情况有关。”晓文告诉记者，“牛奶金”的具体金额是根据申请人及配偶的报税资料和拥有儿童的数量、年龄、居住省份、家庭净收入等计算的，每个家庭情况不同，发放标准也不一样，随着家庭年收入递增，儿童年龄的增长，“牛奶金”的数额就会递减，如果收入低的话，两个孩子能拿到大约700加元的补贴(约3829元)，足够两个孩子健康成长，温哥华当地超市部分商品价格比国内还要低。

 

此外，还有老人金(养老金)，与国内养老保险有类似之处，单位负责一部分，个人负责一部分，其他为国家负担。这个过程中，还可以缴纳储蓄保险，退休后返还。65岁以上的老人，每个月都能拿到福利，最少也有1000加元左右的收入。
本 文 来 自 加 拿 大 家 园 网
人物2：技术移民赴加后发现国外并不是天堂
人物2 赵鼎 年龄：37岁 职业：自由职业者 加拿大 家 园 论坛
移民时间：即将满4年 移民方式：技术移民

 

国外并不是想象的天堂 加拿大 家 园 论坛
与晓文的投资移民(微博)不同，赵鼎移民靠的是技术。“父母是大学老师，从小到大看到很多邻居都移了民，所以打小就有这个想法。”赵鼎说，当时选择移民目的地时，考虑加拿大人口稀少、资源丰富、社会福利完善且水平很高，更重要的是移民比较多，不存在严重的歧视问题，当时申请的成功率比较高。

 

赵鼎告诉记者，准备递移民资料时已参加工作了，想重新学习一门语言，哪来的学习时间?而一旦面试不通过，所有的努力都是白费。这一回报渺茫的决定，很多亲友并不赞同。大概2001年，赵鼎开始办技术移民，由于语言不过关等原因遭拒签;

2003年，赵鼎决定开始学习法语，并在2009年3月递出申请，申请魁北克省技术移民，2010年3月获得通过。 加拿
大 家 园 论坛
蒙特利尔 与想象的落差
“到蒙特利尔当地已经过了午夜12点，初到这里感觉除了陌生还有些失望。和想象中的发达国家有很大的反差。”赵鼎说起对蒙特利尔的第一印象时记忆犹新：飞机临降落时，从机舱往外看，怎么都是小平房(后来才知道那是三层公寓或者别墅)，而且马路上没有车，很安静。朋友事先帮忙租了房子，感觉特温暖。可这还是和国内的条件有点差距，当时有点沮丧，这发达的资本主义国家和想象中的不一样呢?

 

生活了一段时间后，他才发现，加拿大的知名城市都是在各自的市中心有一块很繁华的地方，看起来高楼林立，灯红酒绿。从市中心开车5~10分钟左右，就基本看不到高楼了，而是一个一个大型居民区，还有一些大型商场，在商场周围则有一些饭店，看起来安静并不繁华。“蒙特利尔，人口100多万，不到10%的中国人。因为这里是法语区，所以华人比较少。”赵鼎说，或许了解太少，国外并不是想象的天堂，反而因为价值观不同，多少会有点不习惯。
 加拿 大 家 园网
成熟小区周边会有室外休闲场地供小朋友玩

CanadaMeet

做生意、忙生活。在经历多年的适应后，四年后的今天，赵鼎选择在市中心租住房子，面积大约60平方米。政府因为实行很高的税收制度，所以有资金为老百姓提供很好的福利，例如儿童牛奶金(移民儿童和本地儿童福利相同)、失业保险金等等。住房相对于收入来讲还算便宜，但像多伦多、温哥华等几个国人较多的大城市，房价还是被炒上去了。

“我经常往返国内，相比之下，孩子很喜欢蒙特利尔的生活，没有繁重的作业，孩子们都无忧无虑。”他说，为了孩子每个居民区都建立了很多活动场所，例如室外冰场。一个成熟的小区周边会有10个左右的室外休闲场地供小朋友冬季玩耍。 加
拿大 家园网
赵鼎说，平时也会参加一些社区活动，因为是中国人，所以生活圈子(工作除外)还是以华人圈子为主，也了解一些老移民和新移民的现状。他们当中一部分都有了相对稳定的工作，还有一部分继续求学，以求更快融入加拿大生活，也有相当一部分开始发展自己的生意了。基本上只要努力工作，生活就比较稳定，衣食无忧。 iAsk.ca
老移民眼中的“新政”

 

11日，加拿大联邦政府公布新一年财政预算中提到，将终结“联邦投资移民”和“企业家移民”计划。公开资料显示，在过去28年里，投资移民到加拿大的人员超过13万人，其中主要是中国人。

 

“很多中国投资移民，来这里就是奔着高福利，和我当时的情况一样，对国外根本就不了解。”晓文说，很多人想尽办法投资移民，其中一些年龄偏大的移民者，语言受限，融入当地社会很难，找不到合适的工作。还有一些人带孩子移民，基本靠政府救助，靠“牛奶金”和当时投资移民时的政府退税生活，虽然赚不回当时投资，但是不劳动，生活也无忧，基本不贡献税收。此外，加拿大政府还投入了大量补贴，修建很多社区，这让当地人感觉很吃亏，认为移民者没有贡献，反而占用了社会资源。从2012年起，加拿大暂停了联邦投资移民计划。

 

在赵鼎看来，这次的移民新政策的调整，对于已经成功的移民者来说影响不大，但对有这种想法正在实施或准备实施的人来说，打击就太大了，新政使得以前的移民方式戛然而止。他说，老的移民方式可以看出，加拿大政府看重的是申请者的资产实力，并未考虑控制投资移民落地后的生活方式，这样不能使投资移民的资本转变为生产力与就业机会。新规定在这方面进行了完善，更看重那些加拿大的投资人其实际投资操作能力，这也带来了更大的风险，投资未必能全身而退。 加 拿 大 家园网
如上述分析的那样，加拿大政府认为投资移民阶层在过去10多年中所交税款远远少于其他经济类移民。

 

加拿大财政部长吉姆·弗拉厄提日前指出，在过去的10多年中，联邦投资移民项目成为外国人合法居留加拿大的捷径，但却严重低估了加拿大居留权和加拿大国籍的价值。同时，也没有证据证明，投资移民计划与加拿大或者加拿大的经济成长有持续的联系。而投资移民比其他经济类别的移民支付更少的税款。

 

被提高的移民门槛 加拿大家园论坛
记者了解到，按照过去的投资移民计划要求，外国人至少要拥有160万加元(约合145万美元)的资产，并在5年间向加拿大政府提供80万加元的无息贷款，便可获得加拿大的永久居留。但是如今，这一规定，被推翻。

 

2月6日，加拿大公民与移民部向国会提交了全面改革《公民法》的C-24法案，在简化入籍申请和审批手续的同时，大幅提高入籍要求，包括延长居住年限、扩大入籍考试人群年龄范围以及出具纳税证明等。 160.ca
此外，还有移民监规定，加拿大移民的一大特点就是所谓的“移民监”，即申请者必须在一定时间内，在加拿大本土居住满规定的时间。根据此前的移民法律，申请者拿到永久居留权之后，4年内在加拿大住满3年就可入籍，但新法案将上述“移民监”期限进一步增加，要求6年内住满4年，每年不得少于183天方可入籍。

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此外，加拿大还扩大了入籍考试的年龄范围，从原先的18~54岁扩大至14~64岁，并取消提供翻译服务。加拿大政府称，该项修改一是为了鼓励年轻人更早学习加拿大文化，二是为适应逐步推迟的退休年龄。新法案还要求申请入籍者应该提供在加拿大居住期间的纳税证明，以符合“实际居住”的定义。

本报记者对本地7家移民中介走访时了解到，目前加拿大投资移民全部叫停(有的在2013年就已经不接申请)，目前只接技术移民申请，但需要在国内经过认证培训，待办费用不菲。“我们接受技术移民，但是我们通过加拿大当地的中介运作，成功率较高，费用70万左右。”在二道区一家移民中介店内，一位自称徐女士的工作人员告诉记者：“现在加拿大移民资格申请比较难办，只能通过低级别工种，诸如焊工、电工等等身份入国籍，这其实也是变招，但只能办理萨斯喀彻温省技术移民，魁北克省就别想了。” I A
S K
无独有偶，在一些移民中介负责人看来，加拿大政策收紧，其他国家自然接棒。记者了解到，受加拿大移民方案调整，海外移民出现新动向。咨询移民美国、澳大利亚等国家潜在移民者增多，仅咨询一项比过去增加20%。

 

根据胡润一项调查报告显示，在银行存款超千万的中国富豪中，有三分之二的已经或正打算移民。然而，超级富豪的移民意愿似乎要弱一些，在资产上亿元的超级富豪中，仅有三分之一的人希望移民。去国外生活与工作并不意味着永远离开中国，仅有15%的富豪表示愿意放弃中国国籍。而在国家选择上，欧洲在近几年成为热点，但传统移民目的国依然具有吸引力。

罗杰斯∶21世纪属于中国 有意移居南京 投资中国

罗杰斯∶21世纪属于中国 有意移居南京 投资中国

加拿大家园 iask.ca 2013-11-17 08:25 来源: 明报 作者: 点击: 3423 次

加拿 大 家 园网

罗杰斯16日於中国新经济力量峰会上活动中留下纪念掌印。(中新社)

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量子基金创始人罗杰斯有意移居南京(图)，但前提是「中国环境污染获解决」。

加 拿 大 家 园 网

16日，在南京召开的中国新经济力量峰会上，美国著名投资家、量子基金创始人吉姆·罗杰斯说，19世纪属於英国，20世纪属於美国，21世纪将属於中国。会上，他对中国未来经济走向做了预测及展望。

加 拿 大 家园网

中新网报道，在16日下午的中国新经济力量峰会上，罗杰斯摒弃了经济学家摆数据，说理论的演讲方式，采用自己的亲身经历现场解读了他对中国经济发展的看法。会上，他不仅表现了对中国经济未来发展的极大信心，还预测了中国经济发展方向。
 I A S K
在演讲中，罗杰斯称自己曾经两次环游世界，第一次在1990年，骑着电单车，去50多个国家，花了近两年时间；第2次是1999年，开着平治旅行车，历时3年，途经116个国家。已经是第6次到中国的罗杰斯表示，他1984年第一次到南京，当时中国正在进行改革开放，那时的他就已经确信，21世纪将属於亚洲，而亚洲的中心，将会是中国。

「我的两个女儿现在中文说得很好，我希望他们能把自己的未来放在这里。」罗杰斯讲得很直白∶「有一天，我的生活和美元，也将同我一起迁向中国。」罗杰斯还提及刚刚结束的十八届三中全会，他在得知中国将继续加大开放力度後表示，更开放的市场会刺激人民币流通程度。

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看好人民币成全球储备货币

家 园 新 闻

他很看好人民币在未来世界货币市场上的潜力，并将续增持人民币。他还大胆预测，在未来10到20年，人民币有望取代美元成为全球储备货币。

 

关於中国股市，罗杰斯表示，他一直在关注中国股票市场。「我买了一部分，但不多，如果中国保持持续开放状态，我相信中国将成为世界上最大的财政国家，也将成为我最大的投资目标。」

 

中国治理环境业具投资机会

 

对於未来的投资机会，罗杰斯有着独到的分析。他特别提到，在中国污染是个问题。中央政府也意识到这一问题，相信会花很多的钱治理环境和降低污染，在未来的5年中，这方面的投资将会增长25%。投资机会就蕴藏在「那些会做治理环境和清理环境的工作的公司里面」。 加拿大家园论坛
除外，他还对农业、旅游业、铁路运输业以及医药行业充满信心，「政府政策重点在哪里，投资机会就在哪里。」 家 园 论 坛
会议结尾，罗杰斯称想要让两个女儿来中国学习汉语，「未来5年，中国环境污染如果得到解决，我想带着家人来南京定居。」

 

罗杰斯表示，南京是一个有独特历史的地方，虽然未来房地产发展速度会降低，但在房地产行业，南京有好地段、好质量的房源依然值得投资。


来源: 明报

 

Retiring Britons fall out of love with Spain and France

Financial woes in southern Europe appear to have forced a shift in perceptions of desirable places to retire

Rural Provence has been a favourite with Britons 

A third of people want to move abroad when they retire but the popularity of Spain, France, Portugal and Greece has plummeted in the past year, the results of a study suggest.

Of more than 1,500 Britons aged over 40 polled by GlobalVisas.com, a visa application website, 35pc said they would be happier to retire abroad than stay in the UK.

The top three destinations were the US, Australia and Canada, if visa application was no issue, but a year ago Spain was the most popular destination.

The country, which is struggling with huge government debt and soaring unemployment, is now in fourth spot with only 23pc starting it as their prefered location compared to 33pc a year ago.

Thousands of expats have already moved back from the popular Costa resorts amid a crash in Spanish house prices and concerns about tax rises. A weaker pound against the euro has also eaten away at the buying power of British sterling-based savings and pensions on the Continent making it harder to make ends meet.

France has also seen a drop in popularity, down to 15pc from 22pc in the poll. Greece dropped out of the top ten.

Attempts by the socialist French government to impose a 75pc wealth tax was rejected by the courts while a threat to tax the rental income and pensions of British expats has also created uncertainty although tax office officials said earlier this month that there would not be any double taxation.

Summer 2013 poll

Country	% preference
US	31%
Australia	27%
Canada	24%
Spain	23%
New Zealand	18%
France	15%
Turkey	12%
Portugal	11%
United Arab Emirates	9%
Germany	8%

Summer 2012 poll

Country	% preference
Spain	33%
Australia	29%
Canada	27%
France	22%
U.S.	19%
Portugal	14%
Turkey	13%
United Arab Emirates	12%
Germany	10%
Greece	9%

Meanwhile, the turmoil in Greece continues. The country received a €110bn bailout by the IMF and EU in May 2010. Another €130bn euro rescue package was granted in February 2012. But GDP collapsed by 17pc between 2009 and 2012 and unemployment rate has spiked above 25pc.

The Spanish government recently introduced reporting requirements meaning that anyone who lives in Spain for more than six months (183 days) per tax year and has overseas assets worth more than €50,000 - including bank accounts, property and investments - must declare them. Failures or delays in doing so will result in hefty fines and penalties.

The Foreign Office estimates that 800,000 British nationals live all or part of the year in Spain. Estimates on residency vary from 250,000 to 400,000. Anecdotal reports suggest a growing number are preparing to return home.

The countries that top the list of most popular locations, such as Canada and Australian, have largely escaped the worst effects of the global financial crisis. America, which is now the number one destination, has seen the prospects for its economy strengthen in the past year.

Gary Smith, of GlobalVisas.com, said: "With the British climate notoriously unpredictable and the economic output seemingly as reliable as the weather, some people see living abroad as the better option.

"The credit crunch stung a lot of expats living within Europe, which seems to have influenced some people's decisions as the wider world now seems more appealing." 

Why tomorrow's expats should choose Germany over Spain

Millions of Britons harbour a dream of relaxing in retirement on foreign shores. Focusing on that glass of rioja served by the sea is a vision that keeps much of the working population sane.

A poll this week captured this. It found that 35pc of those aged over 40 would prefer to reward themselves for a lifetime of hard work in a corner of the Cote d’Azur rather than a quarter of these green and crowded lands.

But more interesting is how the destinations of choice have changed.

A further level of research shown to Your Money by globalvisas.com shows how quickly our old favourite retirement haunts have fallen from grace.

A year ago, Spain was the favourite place in the sun, with 33pc of would-be expats naming it as their number one destination. But it has fallen to fourth spot, with only 23pc favouring it this year

France is now also less loved, with francophiles making up 15pc rather than 22pc of the total.
Portugal’s figure is down from 14pc to 11pc and, as for troubled Greece, it has dropped out of the top 10 altogether.

The list of new destinations topping the leaderboard speaks volumes about the reasons for the shift.
America is now most popular, followed by Australia and Canada. The first acutely felt the global financial crisis but the citizens of the other two have been spared the worst.

In contrast, Spain, Greece and Portugal have been knocked for six, with their debts ballooning and their economies buckling.

The dream of the Costas has turned into a nightmare for many of the hundreds of thousands of Britons who relocated there.

^{Property in France is tempting but the OECD estimates that is substantially over-valued}
Some of the anguish is directly linked to the financial crisis, such as the scarcity of work. Other effects have been more subtle. Take pensions. Because Britain has the ability to weaken its currency to help exports, it has done so (eyed enviously by many in the eurozone unable to do the same).
But as the pound sinks, so does the buying power of the personal and state pensions paid to millions of Britons abroad.

Austerity measures are also making expats nervous. The loss of the £300 winter fuel allowance for those retired in the sun, announced this week, will seem trifling if asset seizures materialise. The Spanish government, for example, has demanded that all expats disclose assets they hold outside the country, if worth more than £50,000.

Some see it as a portent for a wealth grab, as seen in Cyprus.

Tumbling house prices have been the final blow to those in Spain who feel forced to sell up and head home.

In France, austerity has persuaded the government to tax its wealthy citizens – and foreigners – more rigorously.

Thousands of Britons are heading home, and many other Europeans are moving. Last year 37,000 Spaniards headed for Germany, while 35,000 Greeks followed them.

This trend has probably gathered pace in 2013, with unemployment continuing to rise in southern Europe.

But Britons remain indifferent. Once again this year, Germany only just makes the top 10 in the desired retirement destination list, with only 8pc expressing an interest.

Maybe it’s time for a location rethink for those wedded to a retirement abroad.

Germany has also shimmied nicely through the recent turmoil, and it avoided the property boom and bust. Yet it has the second lowest house prices of any Western nation, according to the OECD, which estimated that German prices were 20pc too low (and around 35pc too high in France - see below).
Germany may lack Spain’s stunning beaches or France’s perfect summer climate. But to buy cheap property where economic prospects are strong, taxes most likely to remain low and society cohesive, perhaps Britons should consider developing a taste for riesling over rioja.

- money@telegraph.co.uk

The retirees snapping up cut-price Spanish property

Cheaper housing and a strong pound are luring some British buyers back to Spain

The quiet life: the lure of the climate on the Alicante coast, left, proved too much for the Hayes family, below

Swarms of British expats, who were drawn to Spain in the Nineties and early 2000s, found they could no longer sustain their life in the sun and packed up and returned to Britain. Nearly 90,000 abandoned their Mediterranean dream last year alone.

But some Britons are swimming against the tide, determined to forge a life in Spain despite the tough economic climate. Typically they are retirees who have no need to find stable work and many are snapping up homes at big discounts.

The stagnant economy has created a glut of cheap homes on the market, many of which are bank repossessions that lenders are keen to shift quickly.

Estate agent Your Viva, which has offices on the Costa del Sol, said 42pc of its buyers were British in 2013, up from 31pc in 2012, and most were aged between 40 and 60 years.

Martina Heynemann, managing partner at Your Viva, said property prices have fallen 50pc to 60pc from their peak a decade ago. She said prices are now starting to pick up, particularly at the cheaper end of the market. The average property the firm sells is worth around £180,000. 

British buyers are also being tempted by the strong pound. Last week sterling rose to its strongest point against the euro since December 2012. Over the past 10 months the sterling to euro exchange rate has improved by 7pc.

Moneycorp, which provides money transfer services for property purchases, said it has seen a 37pc increase in the volume of purchases in Spain in the last year.

John Hayes, 52, and his wife, Mandy, 50, of Northampton, have just taken the plunge. They bought a three-bedroom, two-bathroom villa in El Pinós, a rural village about 40 miles north-west of Alicante, and moved in last week.

The couple paid £127,000 for the property, which has a large pool and more than two acres of land. The total came to £144,000 once fees were added. The newbuild property was recently completed and was put on the market for £137,000.

Mr Hayes, who worked for a number of high-street banks in the UK, said: “My wife and I have been working hard since we were very young and we decided to get off the hamster wheel that is life in the UK and enjoy ourselves. Spain appealed because property is cheap, the weather is fabulous and the currency is moving in our favour.

“We know so many people who have worked into their mid-60s and beyond and don’t live much longer than that. We want to enjoy the rest of our life.”


^{Mandy and John Hayes, far right, with their Spanish property finder, builder and solicitor.}
The couple sold their five-bedroom, three-storey house in Northampton for £366,000 to fund the move and used the remaining equity to help their son buy a house in the UK.

Mrs Hayes has retired from her council job in adult education and Mr Hayes plans to work part-time as a financial adviser to expats in Spain. He said they plan to live there for at least 20 years.

“My wife is looking forward to creating a garden and we plan to make the most of the outdoor lifestyle that Spain offers,” Mr Hayes added.

Marc Elliott, a mortgage broker based in Marbella, said couples like the Hayes are starting to return to Spain.

Mr Elliott, who is half-British and previously worked for brokerage John Charcol in the UK, said: “If you want to buy property purely as an investment, don’t look to Spain.

“Property here is not going to make the same kind of returns that you can find elsewhere. But if it’s a lifestyle choice – if you want to live here or come for holidays – you won’t be disappointed.”

Mr Elliott warned buyers they will need at least a 30pc deposit and another 14pc of the purchase price on top to cover fees.

The local mortgage market has dried up over the past few years and it has been very difficult for foreign buyers to secure a loan with a Spanish bank. This is starting to change, but foreign buyers who take out mortgages in Spain are typically charged more than double the rate given to locals.

Mr Elliott said Spanish buyers can typically get rates of around 1.99pc for a tracker – the most common loan type – while British buyers will pay between 4.5pc and 5pc.

Taking a mortgage abroad means you lack some of the protection that applies to UK mortgages and mortgage advice. It is possible to borrow from a UK bank to buy abroad but the choice of lenders is limited.

The majority of buyers remortgage their UK property to buy abroad. This can be a good option, particularly if you built up a lot of equity, but you will have to make repayments in sterling so this won’t suit those who plan to live and work abroad, where they will earn euros or another currency.

Cut-price Costa

While some high-end Spanish properties are typically being reduced by around 15pc, prices at the other end of the market are being cut by twice this much.

Research by the Telegraph shows sellers in the Costa del Sol, one of the most popular parts of the Spanish coastline with British expats, are still cutting prices.

A four-bedroom, four-bathroom duplex penthouse in Marbella is on the market for just more than £1m, down from £1.2m. A budget of just more than £170,000 will buy a two-bedroom, two-bathroom apartment in Torremolinos, with ocean views, reduced from £235,000.

Bank repossessions are also coming to the market. Many need work, but some are new, repossessed from failed developers. A four-bedroom, four-bathroom town house near the coast, cut to £196,000 from £362,000, has a roof terrace and a communal pool. 

Source: the Telegraph

'Our €250,000 Spanish villa sold for just €87,000'

    Like thousands of other British expatriates, Bob Puddicombe and his wife, Phyllis, found that their retirement dreams of a place in the sun turned into a nightmare following the financial crash.

After 13 years living in the south of Spain, the couple returned home in 2012. Their three-bed villa in Almayate, near Malaga, was initially on the market for €250,000 (£206,000). It eventually sold for just €87,000 (£71,500). They have moved back to the Plymouth area, where they lived before moving to Spain.

Mr Puddicombe, who is nearing 70, said they decided to return to the UK as they were getting older and wanted the security of the NHS. But at the same time the adverse exchange rate has hammered the value of their pension in recent years.

"At least we were able to sell, and have used the proceeds to buy an ex-council house back in Britain," he said.

But many of the friends the Puddicombes left behind have not been so fortunate.

Property prices have continued to fall in many parts of southern Europe, particularly the popular and overdeveloped coastal regions of Spain, where the supply of holiday villas now outstrips demand.
House prices in Spain have fallen by more than 30pc since the crisis, with prices in some resorts plummeting by up to 70pc. At the same time, house prices have risen sharply in many parts of the UK in the past two years. This has had the devastating effect of pricing some returning expats out of the British housing market, making the return home costly or impossible.

To make matters worse, many are expecting that the pound will continue to strengthen against the euro in the next few years. While this will give some relief to those receiving a fixed income, such as a pension, from Britain, it means those selling properties to return home will find the sale price is exchanged for fewer pounds when they arrive.

Edward Knox, an analyst at currency brokers Caxton FX, said that this, in part, explained the sudden rush of expats returning to Britain. Figures published last week showed almost 90,000 Britons left Spain in 2013 - a 23pc reduction in British expatriate numbers in the country.

"Many may have been holding on, hoping property prices would recover," Mr Knox said. "But now they face the double whammy of prices falling and a weaker euro. Not surprisingly, many are opting to get out now before the situation gets worse."


^{Geoffrey Sword: 'We loved Andalusia, but it started to change'}

This exodus is also being driven by demographics. There was a significant spike in the number of people retiring to Europe in the early 2000s, when mortgages were easy to arrange and the cost of living abroad was cheap. These pensioners are now heading into their late 70s, and are more likely to suffer imperfect health or to have lost a partner. Although free health care is available in countries such as Spain, it can be more limited, and there can be language issues for those who have only conversational Spanish.

Mark Bodega, a director of currency broker HiFX, said: "Many expats moved abroad seeking warmer weather along with a more relaxed lifestyle. Unfortunately, the Spain of several years ago - when the economy was thriving, jobs were relatively easy to obtain and the cost of living was cheap - is fast disappearing."

The flight is not confined to expats, either. Many with holiday homes are also selling up, which is acting as a further brake on property prices. Geoffrey Sword, from Bury in Lancashire, recently sold his holiday apartment in Calahonda in Andalusia after owning it for 12 years.

He and his wife, Kay, had enjoyed more than a decade of "fantastic holidays" with their family and friends, such as Margaret Brown (pictured above with the couple) but he has become "disillusioned" by the state of affairs in Spain.

"Everything has got a lot more expensive, from the parking tickets to a game of golf," Mr Sword said. He believes the introductions of higher rates, fines, sewerage fees and other costs are more to do with raising revenue than maintaining standards. "There isn't the same laidback atmosphere," he said. "There are so many add-ons, it seems as though they want to drive tourists away, not keep them, and it's becoming more difficult to enjoy."

His apartment took two years to sell and had to be reduced from €195,000 (£160,500) to €139,000 (£114,300). Mr Sword was dismayed by the additional charges, fees and taxes he had to pay to complete the sale. "Even now there is 3pc of the sale price in our Spanish bank, as I had to leave some in case it was needed to cover any unpaid taxes we didn't know about. I still have no idea when we might be able to transfer the funds back to the UK."

Exchange rates
For many expats, living costs have rocketed. It is less that prices have gone up - at present inflation in the eurozone stands at 0.5pc and 1pc in Spain - and more that the exchange rate has swung, In April 2007, €1 was worth about 67p. This meant each £100 of your pension would convert into €149, before fees. Expats who had been in Spain for a decade more enjoyed even better rates. In 2000, each £100 of pension delivered €170.

Today €1 is worth around 82p. So the same £100 of pension gives just €121. "In other words, expats have lost almost a quarter of their income in the past seven years," Mr Bodega said.
But the pound has rallied against the euro in recent months. This trend looks likely to continue, according to foreign exchange brokers, due to the strong economic recovery in the UK.

By contrast, many southern European states are still struggling economically, with unemployment at 26pc in Spain. This, coupled with low inflation, is likely to further weaken the euro against the pound.

Mr Bodega said he expected the pound to be worth almost €1.30 by the end of the year. While this should bring some relief for expats who are surviving on a British pension, it will hit those who are selling up and moving home.

Property prices

The economic problems in many European countries have dented property prices. This is particularly true in Spain, where a construction and credit boom before the financial crash has ground to a halt. As a result, house prices have slumped. Prices are down 30pc since 2007, according to the Bank of Spain. They are still falling by up to 14.5pc a year, with the coastal regions popular with British and other international buyers recording some of the biggest falls, according to Sociedad de Tasación, a surveyor.

Many Spanish banks, which were happy to grant mortgages to British buyers in the boom years, are now calling in debts. This has trapped buyers who can no longer meet mortgage payments - perhaps because they cannot find work or their pension no longer covers the repayments in euros - since they are unable to sell the property to cover the debt.

Some properties are being repossessed and sold on by the Spanish banks at knockdown prices. This is making it harder for those looking to sell to get a decent return on their investment, particularly if the pound continues to strengthen against the euro. 

Advice for Britons selling property in Spain

• Get legal and tax advice, and set a realistic price based on values of similar properties sold recently, rather than the price you think it merits.

• Remember you need to pay solicitor and notary costs. Get an independent abogado (solicitor). If you are not living in Spain, you can give your solicitor "power of attorney", potentially saving you time and money.

• Sign the arras/contrato privado de compraventa (preagreement contract). This should include the agreed selling price, what is included and the date for the final payment. Don't forget to include conditions in the contract (e.g. financing, survey results, planning). When the arras is signed, a deposit of around 10pc (paid in euros) will normally follow. If the buyer pulls out, they will lose the deposit, but more importantly, if you pull out you will have to pay twice the deposit back.

• Consider how you will transfer the proceeds of the sale back to the UK. Compare exchange rates and fees offered by your Spanish or UK bank with specialist currency brokers. Many claim to be able to save you up to 4pc on exchange rates alone.

• If you are worried about the pound strengthening further, consider a forward contract, which allows you to fix the exchange rate for up to 12 months. Mr Bodega said: "You'd never buy a property in the UK without knowing the final cost. But if you buy or sell a property overseas and don't fix the exchange rate, that's exactly the gamble you're taking. For those on tight budgets, this could result in some sleepless nights."

From the Telegraph

How to buy a house that will make you a millionaire

Homeowners can make millions on houses that go up in value – but how can you spot the up and coming areas first?

How can you spot the up and coming neighbourhoods before everyone else?

Sitting on a pot full of money is every homeowner’s dream. If you could buy a house in an undiscovered area that then became a chicest neighbourhood in town, you could potentially make millions of pounds from one savvy deal. But as a Property Rich List finds that more than 10,000 streets in Britain now have an average property price of more than £1m, how do you scoop up such a smart buy – before everyone else gets in first?

Stephen Ludlow, chairman of estate agent Ludlow Thompson, says that there are a few early signs that show which areas will take off. Here are his tips on how to find the up and coming areas before everyone else...

Follow the supermarkets

Major supermarkets have entire departments dedicated to market research, and so they have in-depth research data on the demographics of each area. As soon as a neighbourhood looks as though it’s on the up, expect a supermarket to swoop in. Sainsbury’s, Tesco, Waitrose and Marks & Spencer are the big four to look out for in increasingly wealthy areas, and as Ludlow says, “Morrisons are into that market now”.

Coffee shops are also a good indicator – “they would have done a lot of marketing profile about the type of person living in that area,” says Ludlow - and where there’s a Starbucks or Costa, other retailers will follow. Smaller retail chains often look to major coffee shops as a sign of where to branch out next, as shops with a similar footfall will simply copy the locations of bigger brands.

Travel, Travel, Travel

If you can’t get the ideal location, then you at least need somewhere in commuting distance of the ideal location. Any kind of major travel plan – including Crossrail, overground trains and even bike pathways – can massively affect the make up of an area. Ludlow says Finsbury Park is an example of a neighbourhood that saw a major profile change after the station infrastructure was improved – “that gives a lift that spirals out into the residential house prices”, he says.


And pay close attention to bike pathways or hire schemes, as these are now far more important than they were even a few years ago. “Now when we’re talking to landlords we make sure there’s provision for cycle storage - either a bike rack in a communal area or permission for bikes to be mounted on a wall,” adds Ludlow.

The spread of gentrification: how to be close to cool

Once one area becomes popular, expect the nearby neighbourhoods to pick up their house prices. “You get one area at the core where people want to live originally, but then that ripples and expands,” says Ludlow. So don’t bother trying to buy in the latest cool neighbourhood, but look next door instead – the market is sure to follow.
In London, Ludlow says that Vauxhall is a key example of a core neighbourhood – the rise in property prices then spread to Oval, Camberwell, Dulwich, Peckham and right across south east London.

Big developments = big money

When a developer plans a major complex, they’re legally obliged to pay a local development contribution, which tends to lift the local area. The Olympic Park was the textbook example of such a renovation, though other big sporting complexes such as Wembley also led to plenty of new housing builds.
But it doesn’t just have to be sport - “where the American Embassy being built in Vauxhall, no doubt there’s a lot of secondary capital development going in there on the back of that development,” says Ludlow.
Meanwhile in King’s Cross an initiative to improve the train station boosted the area, and Google’s decision to buy offices nearby will bring in plenty of well-paid staff. Even if an area is fairly desolate, a major development complex can bring the funds to turn around a neighbourhood entirely – which is good news for any homeowners who manage to buy before the yuppies arrive.


Source: the telegraph

夏季養生：12種食物把“火氣”吃走

中醫認爲，藥食同源，有些食物常吃可防治上火。愛美網小編下面爲您推薦具有去火功效的12種食物。
　　
1、海帶
　　海帶不僅有助于清除體內的積熱，還可以對付因出汗過多出現的體力透支。另外，夏季是心腦血管疾病的高發季節，海帶中含有的多種營養物質恰恰具有輔助降低血壓、降低血液黏稠度的作用，對心腦血管疾病患者大有脾益。
　　海帶既可涼拌，又可煲湯食用，其中牛肉海帶湯特別適合夏季飲用。
　　禁忌：但患有甲亢的病人不要吃海帶，孕婦、乳母也不宜吃過多海帶。

2、黃瓜
　　黃瓜夏季吃不僅爽口、清熱、解暑，還能增進食欲。因爲其中所含的葡萄糖甙、果糖等不參與通常的糖代謝，糖尿病人食用黃瓜，血糖非但不會升高，甚至會降低。
　　禁忌：需要提醒的是，由脾胃虛寒導致的胃痛、慢性腹瀉患者最好少吃黃瓜，老年慢性支氣管炎發作期也最好不要食用。

3、西紅柿
　　西紅柿壹年四季都可見，營養也很豐富，它同樣也是清熱解毒的好幫手，用中醫的話來說，西紅柿的作用就是平肝“去火”。

4、蘿蔔
　　民間把蘿蔔稱爲“小人參”，這可不是完全沒有道理的哦。蘿蔔不僅營養價值高，還是預防上火的好手。對已經氣郁上火甚至生痰的人來說，蘿蔔有很好的清熱消痰作用。如果要比拼“降火”能力的話，青蘿蔔是最佳，紅皮白心者次之。

5、大豆
　　大豆蘊含豐富的蛋白質，在滋陰去火的同時還能爲妳補充蛋白質、異黃酮、低聚糖、皂甘、磷脂、核酸等營養。除此之外，大豆中含有的可溶性纖維在幫妳降低膽固醇含量的同時，還可以幫妳順利通便排毒，妳的皮膚和氣色也會因此好很多哦!

6、蜂蜜
　　甜甜的蜂蜜也是超棒的去火食物!《本草綱目》上記載，蜂蜜有“清熱、解毒、潤燥”等功效，是“健康長壽的妙藥”。早上起床後喝壹大杯溫蜂蜜水，除了能幫妳化解“夏熱”之外，還能給妳帶來壹天的甜蜜好心情呢!除此之外，如果妳還因上火而導致嘴唇幹燥或龜裂，也可以通過蜂蜜來補救哦!妳可以在就寢前，把蜂蜜細心地塗抹在嘴唇上，滲透壹會兒後再塗上護唇膏。幾天後，嘴唇就可恢複柔嫩光滑。

7、牛奶
　　牛奶不僅營養豐富，而且還是優質的“滅火”劑呢!中醫認爲牛奶性微寒，可以通過滋陰、解熱毒來發揮“去火”功效，而且牛奶中含有多達70%左右的水分，還能補充人體因大量出汗而損失的水分。

8、梨
　　“夏熱”的起因是春天裏的空氣幹燥、濕度低，但是如果妳身上出現了上火的迹象，那就說明妳的新鮮水果和蔬菜攝入量還是不足哦!梨子是衆所周知的降火水果，多吃梨對撲滅妳的“火氣”可是很有幫助的哦!

9、西瓜
　　西瓜爲夏令的主要瓜果，所以又稱爲“夏瓜”。西瓜壹身都是寶：西瓜瓤、西瓜水可以補充人體的皮膚、肌肉、毛發在炎熱夏季的營養需要。尤其是西瓜所含的維生素、酶類、氨基酸等營養物質，能夠滋養皮膚，促進食欲，是夏令食療佳品。

10、蛤蜊
　　蛤蜊具有高蛋白、低脂肪的特點，有助于抑制膽固醇在肝髒合成、加速膽固醇排泄。夏季的蛤蜊肥厚，吃起來口感更好。
　　蛤蜊的吃法很多，這個季節最好選擇清水煮蛤蜊和蛤蜊豆腐湯。需要特別提醒的是，無論是清水煮還是做湯，蛤蜊都要涼水下鍋，在預熱的過程中，蛤蜊就會慢慢的張開口，這時肉也熟了。如果熱水下鍋的話，剛壹下鍋，蛤蜊就會馬上張口，等煮熟了，肉就變老了，失去鮮嫩的口感了。

比砒霜還毒的13種菜！

許多食物正常時是美味營養的好食品，但一旦不新鮮、發芽，或是采用非常規手段催熟後，就會出現不利身體健康的毒素，有一些甚至會危及到生命。孩子比成人的抵抗力更弱，在制作孩子的食物時，更要注意不要讓這些食材上了餐桌!



一、青西紅柿
青西紅柿含有毒性物質、叫龍葵素，食用這種還未成熟的青色西紅柿，口腔有苦澀感，吃後可出現惡心、嘔吐等中毒症狀，生吃危險性更大。

二、爛白菜
食用腐爛的大白菜後，會使人缺氧而引起頭痛、頭暈、惡心、腹脹等，嚴重時會抽筋、昏迷，甚至有生命危險。

三、無根豆芽
在生産過程中，多施用除草劑使生長出來的豆芽沒有根。而除草劑中含有使人致癌、致畸和致突變的有害物質。

四、鮮黃花菜
鮮黃花極有毒，幹品無毒。因爲鮮黃花菜中含有秋水仙堿，這種毒素可引起嗓子發幹、胃部燒灼感、血尿等中毒症狀。若先將黃花菜在開水中沖燙一下，然後用涼水浸泡2小時以上，中間換一次水，鮮黃花菜就無毒了。

五、發芽的土豆
發芽土豆(馬鈴薯)的嫩芽和變成綠色的皮中龍葵堿含量很高，食用易中毒。因此，發芽和表皮發綠的馬鈴薯不宜食用。

六、腐爛的生姜
腐爛後的生姜産生一種毒性很強的黃樟素。人吃了這種毒素，即使量很少，也能引起肝細胞中毒和變性。

七、長黴的茶葉
茶葉發黴是受了青黴、曲黴汙染的結果，倘若喝了發黴的茶葉水，輕則引起頭暈、腹瀉、重則可以引起重要器官壞死。

八、長斑的紅薯
是由于感染黑斑菌所致，吃後易中毒。

九、發黃的銀耳
變質發黃的銀耳是受黃杆菌汙染所造成，吃了可引起頭暈、肚痛和腹瀉等中毒現象。

十、未腌透的鹹菜
腌菜時如果放鹽量不足，腌制時間不滿8天，可能造成亞硝酸鹽中毒。

十一、變色的紫菜
若涼水浸泡後的紫菜呈藍紫色，說明紫菜在幹燥、包裝');" style="color: rgb(230, 33, 63); font-weight: bold;">包裝前已被有毒物所汙染，這種紫菜對人體有害，不能食用。

十二、新鮮的蠶豆
有的食後會引起過敏性溶血綜合病症，出現全身乏力、貧血等症狀。

十三、胖大的豆芽
用化肥發的豆芽都是又白又胖，其中殘留大量的氨，在細菌的作用下，會産生亞硝铵，大量食用會引起頭昏、惡心、嘔吐

內臟囤積脂肪是為害健康的前兆！

一、小測試看你是否內臟脂肪超標

　　Test1：你的腰部囤積了過多脂肪，各種瘦腰法都無濟於事?
　　解答：這是脂肪超標的首要標誌，因為內臟脂肪剛好位於腹腔之中，一旦囤積過多，腰圍尺碼就會不斷增大!

　　Test2：體檢報告顯示，身體一切正常，只是營養過剩?
　　解答：這並不是證明你的生活質量有多高，而是在告訴你，內臟脂肪已經超標了，因為過多的營養有一部分已經轉化為多餘的脂肪，附著在內臟周圍了。

　　Test3：你屬於無肉不歡的類型麼?尤其是吃晚餐時。
　　解答：如果長時間如此，脂肪在體內很難吸收、燃燒，只能規程在內臟周圍，最終導致內臟脂肪含量超標。

　　Test4：便秘對於你來說早已經不奇怪。
　　解答：顯而易見，因為無法正常排便，多餘脂肪就無法自行離開身體，自然會出現便秘現象!

　　二、內臟脂肪形成的原因
　　1、容易被忽視
　　人們減肥時只注重減掉“皮下脂肪”，而忽視了“內臟脂肪”。因為皮下脂肪顯然易見，只要囤積一點就會引起愛美女性的注意，馬上將其消除。而內臟脂肪隱藏得深，有的體型偏瘦的人也會內臟脂肪多，所以內臟脂肪很容易被人們所忽視。

　　2、飲食不均衡
　　早餐經常吃得很少或者不吃，午餐和晚餐卻很豐富，還經常吃宵夜。偏食，愛吃油膩食品或者甜食，肉多菜少。

　　3、動得少
　　現在的人們尤其是白領一族，坐的時間遠多於站著或走動的時間。外出不愛走路，不是開車就是坐公交。在公司就是黏在椅子上，一坐就是一天。體育運動少得可憐。

　　三、內臟脂肪怎麼減
　　1、?適量減少碳水化合物攝入
　　過多攝入含有碳水化合物的食物將導致過多的糖分被代謝出來，從而讓內臟脂肪囤積在腹腔。選擇低卡高質的碳水化合物食材，三餐攝入的比例保持在5：3：2，這樣才是更有助於消化與代謝的黃金比例。

　　2、纖維食物不能少
　　食物纖維能讓排泄順暢，吸收有害物質和過多的膽固醇，並將其排出體外。富含食物纖維的食材有綠豆、蕃茄、葡萄柚等，在飲食中可以多多食用。此外，還有一些食材能幫助掃清內臟脂肪，也不要錯過哦。

　　3、運動必不可少
　　每天25分鐘快步走。快速走所消耗掉的內臟脂肪比慢走要多47%。但是快走的節奏很重要，要舒服地享受運動，才能讓身體充分地吸收氣氛，充分燃燒內臟脂肪。最後，還可以做一些像仰臥起坐之類的運動，每天由少到多的運動。以上需要長期堅持!像這些能通過運動和控制飲食減肥的，不建議喝藥!

　　4、“勺子按摩法”按走內臟脂肪
　　在日本，非常流行勺子按摩法，就是通過小小的湯勺來按壓皮膚，能達到很好的養生作用。首先，在腹部均勻塗抹葡萄柚精油，它能很好地促進身體代謝，然後用湯勺以肚臍為加以開始由外向裡按壓，力度以腹部感覺到壓力為最佳。不但通過勺子的力量將精油分子傳遞到皮膚內，參與到身體代謝中去，還能從外向內地增加腹腔溫度，提升自我燃燒脂肪的能力。

　　四、去內臟脂肪的食物
　　1、甘藷
　　它能中和體內因過多食用肉食和蛋類所產生的富餘酸，保持人體酸鹼平衡。甘藷還含有較多的纖維素，能潤滑消化道，起通便作用，並可將腸道內過多的脂肪、糖、毒素排出體外，起到降脂作用。

　　2、燕麥
　　含有極豐富的亞油酸和豐富的皂甙素，可降低血清膽固醇、甘油三酯。

　　3、玉米
　　含豐富的鈣、硒、卵磷脂、維生素 E等營養物質，具有降低血清膽固醇的作用。

　　4、海帶
　　含豐富的牛磺酸，可降低血及膽汁中的膽固醇;所含的食物纖維褐藻酸，可以抑制膽固醇的吸收。

早上起床有這些徵狀暗示你有大病！

     任何疾病的發生髮展都有一個過程，在突發前都有一些身體上的先兆，只不過沒有引起我們足夠的重視罷了。隨著健康意識的增強，我們應該對人體發出的不良信號，給予足夠的重視，避免釀成大禍。


一、起床後的四個信號
人的一天在不同階段身體的不良感受，就是在向您的健康發出警示信號。
1、清晨醒來如果頭暈、頭昏，可能是出現了頸椎骨質增生或血黏度過高等疾病；
2、如果在起床活動20分鐘後浮腫還不徹底消失，提示可能有腎病或心髒病；
3、晨起噁心嘔吐，除去懷孕的原因，如每天早上都如此，很可能是慢性胃炎或肝膽有病；
4、晨起小便，如果尿液棕色，提示肝臟可能出現問題。


二、刷牙留意牙齒口氣
1、刷牙時如果牙齦出血，很可能是牙周病，因為如果牙齒健康是不會出血的。牙齒出血也可能與肝病有關。這種現像在慢性肝病患者中很普遍，還會伴有鼻子流血、月經過多。主要原因是肝細胞損傷後，肝臟產生凝血因子的功能下降，繼而凝血機制發生障礙。一般牙出血的肝炎病人可以服用維生素C、維生素K及其他止血藥來緩解病情。
2、如果出現口臭、口氣重，則可能是牙周病引起，同時，胃病、肝病、糖尿病等全身性疾病或缺乏微量元素鋅和維生素B都可能導致口臭。比如，胃幽門螺桿菌感染可引起持續性口臭，還常伴有不同程度的飢餓感和胃痛。一旦吃飽喝足，口臭會隨之減輕，而隨著幽門螺桿菌的根治，口臭也會自動消失。
3、口中有氨味要格外注意腎臟的健康。當腎功能衰竭時，由於不能正常代謝，體內肌酐、尿素氮含量增高，口中就有一股特殊的氨氣味。


三、飲食上的大病先兆
1、如果總感到口渴，要去查查血糖和糖耐量，看有沒有可能是糖尿病；
2、如果在清晨4—5點鐘醒來有強烈的心慌飢餓感，並且伴有疲乏無力，直到吃早餐後不舒適的感覺才逐漸消失，提示可能是糖尿病傾向；
3、如果吃油膩食物後上腹部疼痛，並放射到右肩背部，很可能是患有肝膽疾病；
4、如果食慾亢進，體重卻減輕，可能患了甲狀腺功能亢進症；
5、如果沒有食慾，見到油膩就噁心，易疲勞，可能是患了肝炎；
6、如果出現食不知味，並伴心悸、多夢、失眠等。這就意味著心臟功能受到了損害，是操勞過度所致。當口中乾澀，舌苔厚重，嘗不出食物的滋味時，尤其要警惕，防止心臟發生病變；
7、如果飯後總是出現反酸、腹脹或腹痛等症，提示積食了，要多吃新鮮蔬菜，三餐要注意清淡，以易於消化。


四、清晨對鏡觀察臉色

洗臉時對著鏡子觀察，看看自己的臉色有沒有什麼異常：

1、如果發現自己臉色潮紅，可能與心髒病或高血壓有關；
2、如臉色帶黃，還伴以身體疲倦，很可能是黃疸型肝炎；
3、如發現眼睛顏色改變，充血、渾濁、色黃，應馬上去醫院看醫生；
4、如眼瞼蒼白，提示可能患了缺鐵性貧血；
5、如眼角膜出現一圈模糊的灰環，說明心臟可能有問題，如果是30—50歲的男性應馬上到醫院就診。


五、手部的警示信號
1、觀察自己的雙手，如果發現指尖比指節更粗大，可能是患有較嚴重的肺部疾病；
2、如果指甲生長緩慢，沒有光澤並且變黃變厚，提示淋巴系統出了毛病；
3、如果手背靜脈突出，並且隨著年齡增加越加明顯，也提示有心髒病的可能；
4、如果手掌泛紅，可能是肝臟出現問題及內分泌失調；
5、如果過度興奮或緊張時手掌常潮濕出汗，可能有甲狀腺的異常；
6、手發抖可能是甲亢，也可能是帕金森病。


六、耳朵老是嗡嗡作響
這是腎功能在逐步衰退的信號，有時還會伴隨著腳痛、腰痛、尿頻等症狀，工作過於勞累的人尤其要注意，要做到勞逸結合，避免過度疲勞，少飲酒，少吃生薑、辣椒等刺激性強的食物。


七、鼻子的警示信號
鼻子不靈，同時經常咳嗽，有時甚至呼吸困難，這​​是肺功能逐步衰退的標誌。病人首先要注意飲食，戒菸或者控制吸煙量，也不要和經常吸煙的人在一起。多吃新鮮瓜果和蔬菜，加強體質鍛煉，防止肺部合併症的發生。


八、眼睛的警示信號

1、眼睛發花，眼角乾澀，看不清東西。這是肝功能衰弱的先兆。如果按一按肝臟四周，就會有發脹的感覺，這時除了及時就醫外，還要注意用眼衛生，不要讓眼睛太疲勞；

2、如果經常眼睛疼痛，除了用眼疲勞外，老年人出現這種情況要提防青光眼。眼科醫生經過調查發現，人容易發生眼睛疲勞的因素大致有以下四個方面：

1、眼睛方面的因素：主要是由於屈光異常、用眼過度、眼睛疾病、眼睛發育異常等方面造成的。

2、體質及生活方面的因素：40歲以上的人，眼睛開始老化，但又沒能及時配老花鏡，則容易發生眼睛疲勞。

3、環境方面因素：工作或學習場所照明不足，讀寫與工作時間長、視距不固定如：在車船上讀寫和工作等，可以造成眼部緊張。眼睛超負荷地工作，不僅容易發生眼睛疲勞，而且還會引起近視和其他疾病。


九、嘴的警示信號
嘴唇感覺麻木，身體日漸消瘦。這表明胰腺功能在逐步衰退，主要是由於飲食失調、飢飽不當所致，由於胰腺不好，會殃及胃部，當胃受到損害時，嘴唇就會明顯地變得乾燥。這時除了調整飲食外，還要注意不要吃生冷、油膩的食物。


十、上樓梯困難
1、上樓梯時如感到心跳加速、心慌、胸悶，表明心臟功能較弱；
2、如感到胸部憋悶，這是一個危險的信號，應該儘早抽空去看醫生。


十一、工作中的信號
1、工作時如果感到記憶力太差、健忘，可能是神經衰弱和動脈硬化所引起的；
2、如果經常打瞌睡，除了睡眠不足外，還要多想想其他的原因；
3、如果背痛，除了肌肉痛，也可能是脊椎或內臟有了毛病；
4、如果伸懶腰時腰痛，多半要考慮坐姿不良。來看看哪些身體小問題在告訴你：危險啦！平時自己晨起時，就要開始注意自測身體健康狀況，別讓一些隱患隱疾毀了你自己，長期積累下來的小病可要小心釀成大病哦！

Who are the richest members of Congress?

       The CRP takes data from financial disclosure forms that members of Congress are required to file every year. But senators and representatives are required to report only ranges for the values of their assets, not exact figures. For example, one representative has stock in Ford Motor that totaled anywhere from roughly $2,000 to $30,000. Therefore, the CRP came up with three numbers based on these estimates: a possible minimum and maximum amount, and an average of the two. The CRP bases its ranking on that average. We have listed all three. The rankings are based on the average estimated net worth.

These numbers also do not necessarily include a lawmaker's primary home or vacation spots, according to a blog post on the CRP's website. Unless they collect rent on these properties, lawmakers are exempted from reporting these as assets, even if they are worth millions.

Thus these are estimates at best. But they provide an illuminating look into how wealthy many of the country's top political leaders are. The figures are from 2012, the most recent year available from CRP's data crunching. Click ahead to see who's the richest of them all.

5. Rep. Michael McCaul, R-Texas

.

Rep. Michael McCaul

Minimum: $102,547,780
Average: $143,153,910
Maximum: $183,760,040

McCaul's wife has a stock portfolio worthy of a professional money manager. The assets section on McCaul's disclosure form for 2012 runs 32 pages and includes numerous stock investments, most of which are listed as his spouse's assets. Among them are many household names including Apple, IBM and Procter & Gamble.

McCaul had previously held the top spot on the CRP list, but more recent disclosure rules forced the organization to estimate his wealth more conservatively, according to a blog post on OpenSecrets.org.

4. Rep. John K. Delaney, D-Md.

Rep. John Delaney

  

Minimum: $65,151,162
Average: $154,601,580
Maximum: $244,051,998

Delaney is a freshman congressman who had a long and successful career in business before going into politics. He founded two companies before turning 40, according to his bio his congressional website. His first company was HealthCare Financial Partners, which loaned money to small health-care providers under-served by banks, and CapitalSource, which has a similar business targeting small and medium-sized businesses. Now much of his household's money is invested in bonds, stocks, and various investment funds


3. Rep. Jared Polis, D-Colo.

.

Rep. Jared Polls

Minimum: $69,791,412
Average: $197,945,705
Maximum: $326,099,998

Polis worked in his family's greeting cards business as a young man, eventually succeeding his grandmother as sales manager, and developing the company's e-commerce business, according to his congressional biography. He also co-founded a company that provided various Web access and hosting services, and founded ProFlowers.com, which was sold to Liberty Media in 2006. Since then, he has much of his vast wealth invested in a variety of investments, and, as of 2012, Polis disclosed partnerships or memberships in several investment companies.

2. Sen. Mark Warner, D-Va.

.

Sen. Mark Warner (D-VA) (Win McNamee/Getty Images)

Minimum: $96,221,316
Average: $257,481,658
Maximum: $418,742,000

Warner was an early investor in the cellular technology industry and co-founded the cell phone company that became Nextel, according to his congressional biography. He and his family have holdings in a variety of investments.

1. Rep. Darrell Issa, R-Calif.

Minimum: $330,380,031
Average: $464,115,018
Maximum: $597,850,005

The wealthiest man in Congress also had a career in business before running for office. Issa served as chief executive of Directed Electronics, which was the nation's largest maker of vehicle anti-theft devices, and brought the Viper car alarm system to market, according to his congressional bio. Issa holds money in investment funds and real estate.

Source:                     

By CNBC.com

女人血虛易長斑 5個飲食方 養血祛斑

　　

俗話說：一白遮百醜，白凈無暇的臉蛋是每個女孩的夢想。但是，如果漂亮的臉蛋上出現瞭星星點點的斑點，則會讓印象分大大降低。很多 女性為瞭去除這些煩人的斑點，會尋找昂貴的護膚品甚至選擇激光祛斑，但這種方式不僅無法美白祛斑，還是傷害你的皮膚。　　中醫認為，女人長斑多是因血虛引起。血能滋潤皮膚，一旦氣血不足，皮膚抵抗力差，繼而容易出現色斑、蠟黃等現象。

　　

女人血氣不足易長斑　　中醫認為，滋養皮膚是血的重要功能之一。血可以滋潤皮膚，血氣充盈則面色紅潤，血虛容易出現面色蠟黃、肌膚幹燥、面部黃褐斑等。　　

為什麼血氣不足容易長斑？　　斑的產生與皮膚的代謝功能直接相關，代謝功能好，體內的廢物就能夠被順利代謝出去，不會停留在皮膚上形成斑；反之，如果皮膚的代謝功能差，就容易長斑。而皮膚代謝功能的好壞，與人體血液充盈程度有直接關系。我們的皮膚，是靠血液來營養的，如果血液充盈，皮膚的營養狀況就好，代謝功能才會正常，就不易長斑。　　生活中有些人曬太陽容易出現黃褐斑，大多屬於氣血虧虛型體質，皮膚抵抗力弱，所以一旦陽光直射臉部，就容易引起皮膚色素沉淀。

　　

每個女性都不希望自己的臉上“色斑叢生”。護膚品隻能讓你的色斑暫時消失，想要真想解除長斑危機，你需要內調外養，養血祛斑。　　

【飲食方】　　1、甜蜜水果類食物　　這類食物富含富含磷、鈣、鐵等礦物質，並有多種維生素和氨基酸，有補氣血、強筋骨之功。　　紅棗：　　紅棗含有豐富的蛋白質、脂肪、糖份、胡蘿卜素、維生素B、C、P及磷、鈣、鐵等，有維生素丸的美稱。紅棗內含有環磷酸腺苷，能增強肌力、消除疲勞、擴張血管、增加心肌收縮力。紅棗還能能補虛益氣、養血安神、健脾和胃等，是血虛女性很好的 保健品。

　　

桂圓：　　桂圓亦稱龍眼，性溫味甘，益心脾，補氣血；具有良好有滋養補益作用，不僅益氣 補血，還能 美容養顏。　　葡萄：　　葡萄味甘微酸、性平，具有補肝腎、益氣血、開胃力、生津液和利小便之功效。把葡萄制成葡萄幹後，糖和鐵的含量會相對高.


　　

2、紅黑類食物　　紅黑色的食物含有豐富的鐵質、蛋白質和氨基酸，多有補血的功效。黑色的食物入腎，有助於腎藏精納氣。腎藏精，精生髓，髓化血，因此，血的根本也在於腎。至於紅色食物補血，理論則源於“以形補形，以色補色”。　

　紅米：　　紅米含有豐富的淀粉與植物蛋白質，可補充消耗的體力及維持身體正常體溫。它富含眾多的營養素，其中以鐵質最為豐富，故有補氣養血及預防貧血的功效。而其內含豐富的磷，維生素A、B群能改善營養不良，又能有效舒緩疲勞、精神不振和 失眠等癥狀。

　　

黑豆：　　味甘、性平、無毒。有血平肝、 補腎壯陰、補虛黑發之功效。黑豆對年輕女性來說，還有美容養顏的功效。黑豆含有豐富的維生素，其中E族和B族維生素含量最高，維生素E的含量比肉類高5~7倍眾所周知，維生素E 是一種相當重要的保持青春健美的物質。　　

黑木耳：黑木耳中鐵的含量極為豐富，為豬肝的7倍多，常吃木耳能養血駐顏.潤，容光煥發。　　

帶谷皮類食物    隨著體內過氧化物質逐漸增多，極易誘發黑色素沉淀。谷皮類食物中的維生素E，能有效抑制過氧化脂質產生，從而起到幹擾黑色素沉淀的作用。

　　


紅豆：紅豆含有的豐富鐵質能讓人氣色紅潤，女性多吃紅豆，有補血、促進血液循環、強化體力、增強抵抗力的效果。紅豆皮中含有豐富的膳食纖維，進食紅豆時不要去皮，可獲得較多的膳食纖維，進而起到潤腸通便的作用。　　

花生：中醫理論認為，“脾統血”，氣虛的人就容易出血，花生紅衣正是因為能夠補脾胃之氣，所以能達到養血止血的作用，這在中醫上講叫“補氣止血”。　　花生中的鋅元素含量普遍高於其他油料作物，可以增強大腦的記憶功能，激活細胞，有效地延緩人體過早衰老，具


　

　3、深色蔬果類　　深色類的蔬果含有豐富的鐵質和胡蘿卜素，胡蘿卜素可促進血紅素增加，提高血液濃度及血液質量。此外，這類蔬果含的微量元素同樣是補血必不可缺的原料。

　　胡蘿卜：　胡蘿卜含有維生素 B、 C，且含有一種特別的營養素———胡蘿卜素。胡蘿卜素對補血極有益，所以用胡蘿卜煮湯，是很好的補血湯飲。同樣，胡蘿卜中的含鐵也十分豐富。　　

南瓜：南瓜中還含有“鈷”和“鋅”，“鈷”是構成血液中紅細胞的重要成分之一；鋅則直接影響成熟紅細胞的功能；鐵質則是制造血紅蛋白的基本微量元素。


　　

TOP2、西紅柿　　抗斑指數：★★★☆　　西紅柿具有保養皮膚、消除雀斑的功效。它豐富的西紅柿紅素、維生素C是抑制黑色素形成的最好武器。有實驗證明，常吃西紅柿可以有效減少黑色素形成。　　提醒：西紅柿性寒，如果空腹食用容易造成腹痛　　

推薦:1每天用1杯西紅柿汁加微量魚肝油飲用，能令準媽媽面色紅潤 2、準媽媽還可先將面部清洗幹凈，然後用西紅柿汁敷面，15~20分鐘後再用清水洗凈。對治療黃褐斑有很好的療效。

　　

TOP3、檸檬　　抗斑指數：★★★☆　　檸檬也是抗斑美容水果。檸檬中所含的枸櫞酸能有效防止皮膚色素沉著。使用檸檬制成的沐浴劑洗澡能使皮膚滋潤光滑。　　提醒：檸檬極酸，吃過多會損傷牙齒。 　　

TOP4、黃豆　　抗斑指數：★★★★　　大豆中所富含的維生素E能夠破壞自由基的化學活性，不僅能抑制皮膚衰老，更能防止色素沉著於皮膚。　　推薦：大豆甜湯：　　黃豆、綠豆、赤豆各100克洗凈浸泡後溷合搗汁，加入適量清水煮沸，用白糖調味做成飲服。每日3次對消除黃褐斑很有功效。

　　

TOP5、牛奶　　抗斑指數：★★★★　　牛奶有改善皮膚細胞活性，延緩皮膚衰老，增強皮膚張力，刺激皮膚新陳代謝、保持皮膚潤澤細嫩的作用。　　

推薦：　　桃仁牛奶芝麻煳：　　核桃仁30克、牛奶300毫升、豆漿200毫升、黑芝麻20克。先將核桃仁、黑芝麻放小磨中磨碎，與牛奶、豆漿調勻，放入鍋中煮沸，再加白糖適量，每日早晚各吃1小碗。

　

　西紅柿：　　果色火紅，含有豐富的胡蘿卜素、維生素C和B族維生素。酸奶的蛋白質成分能促進鐵的吸收。因此，把西紅柿和酸奶搭配在一起榨出的西紅柿酸奶汁是提高體內鐵元素吸收的良好來源，可有效補血。　

　菠菜：　　這是最常見的蔬菜，也是有名的補血食物。菠菜內含有豐富的鐵質、胡蘿卜素和葉酸，每100g菠菜的葉酸含量高達50mg，名列蔬菜之首。

　　

4、幹果類　　幹果類食物，其含有的鐵質和糖分更加豐富，是養血美顏的重要食品。桑葚幹：是目前水果及其制品中含天然鐵最豐富的，每100克含鐵42.5毫克，無愧於水果中“補血果”的稱號。

在曬制過程中，最有利於一些穩定營養素的保留，如鐵、鋅、錳、蛋白質、抗氧化物質等。一般建議將桑葚幹煮粥吃，每日食用一碗桑葚粥不但可以補血，還可以美容。

　　

5、鮮美肉類　　烏雞可以養陰退虛熱。烏雞湯甘溫，可以補虛損，養陰血。　　作為補血佳品，動物肝臟中的含鐵量極高，以每百克可食部分計算，鴨肝含鐵量最高，為23.1毫克，豬肝含鐵22.6毫克。動物肝中的鐵不僅含量高，而且比較容易吸收。此外，常吃動物肝臟，可以為機體提供足夠的造血塬材料，使人面頰紅潤、精神振奮。

　　

【養顏祛斑食物TOP6】　　TOP1、獼猴桃　　抗斑指數：★★★★　　獼猴桃被喻為“水果金礦”。含有豐富的食物纖維、維生素C、維生素B、維生素D、鈣、磷、鉀等微量元素和礦物質。　　獼猴桃中的維生素C能有效抑制皮膚內多巴醌的氧化作用，使皮膚中深色氧化型色素轉化為還原型淺色素，幹擾黑色素的形成，預防色素沉淀，保持皮膚白皙。　　提醒：脾胃虛寒的準媽媽不可多吃，容易腹瀉。



　　桂圓肉：　　每100克桂圓肉含鐵量大約是3.9毫克，在水果中也屬含鐵量相當豐富的，可用於貧血的食療中，一般煲湯、煮粥為宜。但桂圓肉屬於溫熱食物，對於孕婦、兒童不適合。　

　紫葡萄幹：　　是很好的補血水果。將葡萄曬制成幹後，每100克含鐵量在9.1毫克。而且葡萄在曬制過程中，最大限度地保留瞭葡萄皮(葡萄皮的營養含量遠遠高於果肉)，也有利於葡萄幹中一些穩定營養素的保留，如鐵、鋅、錳、蛋白質、抗氧化物質等。

　

　黑棗幹：　　棗裡最為推崇的是黑棗和蜜棗，它們每100克含鐵量在3.7 ～3.9毫克之間，也算是補血食物中的佳品，幹棗中還含有豐富的維生素C，維生素 C是促進鐵離子吸收的重要因子，讓機體對鐵的吸收率事半功倍。但幹棗含有豐富的膳食纖維，不利消化，所以每日不宜多食，而且最好是煲湯、煮粥食用。　　核桃：　　核桃性溫、味甘、無毒，有健胃、補血、潤肺、養神等功效。吃核桃仁可以開胃，通潤血脈，使皮膚更加細膩。

長壽的人都愛吃什麼呢？揭秘長命百歲飲食秘訣！

健康長壽該怎麼吃？長壽老人的飲食吃什麼？養生學家和營養學家在大量調查中發現，長壽老人的日常飲食有幾大愛好。

一、喜歡喝粥
　　從飲食習慣看長壽老人無一不喜歡喝粥。著名經濟學家馬寅初和夫人張桂君，夫妻雙雙都是百歲老人，倆人尤其喜歡喝粥。每天早晨，把50克燕麥片加入250克開水，衝泡2分鍾即成粥。天天如此，從不間斷。上海的百歲老人蘇局仙先生，一日三餐喝大米粥，早晚喝稀粥，中午喝稍稠粥，每頓定量為一淺碗，已形成習慣。他們說：「喝粥渾身舒坦，對身體有益。」
　　曆代醫家和養生學家對老人喝粥都十分崇薦。《隨息居飲食》說：「粥為世間第一滋補食物。」粥易消化、吸收，能和胃、補脾、清肺、潤下。清代養生家曹慈山說：「老年，有竟日食粥，不計頓，亦能體強健，享大壽。」他編制了粥譜一百余種，供老年選用，深受老年人歡迎。

二、小米是老人的最佳補品
　　老人最喜歡小米，把小米當成最好的滋補佳品。小米是谷子去皮後的顆粒狀糧食，曆來就有「五谷雜糧，谷子為首」美稱。體弱有病的老人常用小米滋補身體。祖國醫學認為，小米益五髒，厚腸胃，充津液，壯筋骨，長肌肉。清代有位名醫說：「小米最養人。熬米粥時的米油勝過人參湯。」可見，長壽老人喜歡「米」很有道理。

三、珍珠玉米當主食
　　玉米，別名玉蜀黍、苞谷、珍珠玉等，它與水稻、小麥並稱為世界三大農作物，是世界公認的「黃金作物」，也是長壽老人離不開的主食。美國醫學會作過普查，發現美國的土著居民印第安人沒有一個高血壓、沒一個動脈硬化。原來是吃老玉米吃的。醫學家研究中發現老玉米裏含有大量的卵磷脂、亞油酸、谷物醇、維生素E，所以不容易發生高血壓和動脈硬化。從長壽老人的體質看，他們很少有高血壓和動脈硬化，這與他們把吃玉米當成主食密切相關。

四、天天一斤奶
　　喝奶是長壽老人的普遍習慣，尤其是居住在城市的壽星更是這樣。
　　據說，美國現有25000名百歲壽星，其中80%為女性，她們的飲食習慣是普遍喝奶。美國諺言說：「喝奶使骨骼堅。」百歲壽星貝寧，每天喝兩杯奶，有時喝得更多，所以，她到百歲之時，仍沒有骨質疏鬆跡象。

 　　牛奶營養豐富又比較全面。奶中賴氨酸含量較高，膽固醇含量低，碳水化合物全部為乳糖，在腸道中可以轉化為乳酸，有抑制腐敗菌生長的作用。牛奶含鈣很豐富，吸收率也很高，還含有較多的維生素A、D、核黃素等，這些對老人來說是必要的、有益的。
　　牛奶經發酵後制成幹酪，吃幹酪可以預防齲齒。喝酸奶能降低膽固醇，所以常喝酸奶的人不易患心血管病，還能明目、固齒、防止細胞老化等。

五、每天吃一個雞蛋
　　每天吃一個雞蛋已成為長壽老人的普遍習慣。
　　百歲壽星，著名經濟學家陳翰笙博士根據營養學的安排，每天飲食堅持「三個一」：「早上吃一個雞蛋，晚上喝一杯奶，中間吃一個大蘋果。」他一日三餐多吃素，少吃肉，科學安排飲食，吃出了健康。

 　　營養學家測定，蛋清中含大量水分、蛋白質。蛋清蛋白有極豐富的氨基酸，且組成比例非常適合人體需要，這種蛋白質在人體中利用率最高。蛋清蛋白對肝髒組織損傷有修複作用。蛋黃中的卵磷脂可促進肝細胞的再生，還可提高人體血漿蛋白量，增強機體的代謝功能和免疫能力。卵磷脂被人體消化後，可釋放出膽堿，膽堿可改善記憶力。蛋黃含的無機鹽、鈣、磷、鐵和維生素都比較豐富。雞蛋中含有大量膽固醇，脂肪屬飽和脂肪酸。吃雞蛋過多，會使膽固醇的攝入量大大增加，會引起動脈粥樣硬化和危害心腦血管，並增加肝、腎負擔。所以，每天吃1～2個就可以了。長壽老人們從不多吃。

六、偏愛紅薯
　　吃紅薯是長壽老人的一大喜好。老人說：一「紅薯是個寶，頓頓離不了。」醫學家研究，紅薯有五大功效：1.和血補中，營養豐富;2.寬腸通氣，促進排便;3.益氣生津，增強免疫;4.含抗癌物質，能防癌抗癌;5.抵抗衰老，防止動脈硬化。醫學家說，紅薯含有大量黏蛋白，故能防止肝髒和腎髒結締組織萎縮，使人體免疫力增強。還具有消除活性氧的作用，避免了活性氧誘發癌症。又因紅薯中含鈣、鎂較多，所以能防止骨質疏鬆症。由此可見，紅薯不愧為長壽老人的飲食一寶。

七、豆腐是老人喜歡的美食

 　　老人們普遍愛吃豆腐。他們說：「魚生火，肉生痰，白菜豆腐保平安。」《隨息居飲食譜》謂：「處處能造，貧富攸易，詢素食中廣大教主也。亦可入葷饌。冬月凍透者味尤美。」

 　　豆腐主要成分是蛋白質和異黃酮。豆腐的功效具有益氣、補虛、降低血鉛濃度，保護肝髒，促使機體代謝的功效，常吃豆腐有利於健康和智力發育。老人常吃豆腐對於血管硬化、骨質疏鬆等症有良好的食療作用。

八、崇愛大白菜
　　大白菜，平常菜，老年人，最喜愛。味道鮮美，葷素皆宜，是冬令佳蔬，國畫大師齊白石先生，有一幅特意的大白菜圖，獨論白菜為「菜中之王」，並讚「百菜不如白菜」。

 　　老人常說：「白菜吃半年，大夫享清閑。」可見，常吃白菜有利於卻病延年。大白菜含有礦物質、維生素、蛋白質、粗纖維、胡蘿卜素，還含有分解致癌物質亞硝胺糖酶。從藥用功效說，大白菜有養胃、利腸、解酒、利便、降脂、清熱、防癌等七大功效。

九、冬天不離蘿蔔
　　長壽老人冬天飲食不離蘿卜。他們說：「冬吃蘿蔔，夏吃姜，一年四季保安康。」揚州八怪之一鄭板橋曾寫過一幅對聯：「青菜蘿卜糙米飯，瓦壺天水菊花茶。」「蘿蔔就茶」是鄭老先生的養生之道。

 　　蘿蔔含有多種維生素和礦物質，不含脂肪。所含的芥子油和澱粉酶能促進新陳代謝，增進食欲，幫助消化。

 　　蘿蔔是地地道道的老人保健食品。祖國醫學認為，它能化積滯、消食積，療痰咳失音，治吐血、衄血、消渴、止痢、祛頭痛，利小便等;生吃可以止渴、清內熱、化痰止喘和助消化;蒸熟吃能消食健脾，並有補益功效。

 　　「蘿蔔就茶」。吃點蘿蔔，喝點茶水，能消除燥熱，祛體內鬱積毒熱之氣，對恢複精氣神有很好作用。蘿蔔和肉一起燉煮，味道也很好。但不能與人參、橘子同吃。

The secluded Welsh farmhouse where William and Kate's Anglesey farmhouse goes up for rent

16 SEPTEMBER 2013

                  The secluded Welsh farmhouse where Prince William and Kate Middleton spent their first few years as a married couple is now up for rent. During his tour of duty as a search and rescue pilot, the Duke of Cambridge paid £750 per month for the four-bedroom house in Anglesey.

Owned by Sir George Meyrick, one of the richest men in Wales, the white-washed cottage has stunning views of the surrounding countryside including Snowdonia, Newborough Forest and Llanddwyn Island. It is hidden from view by a thicket and reached by a private road.

 

William and Kate will have very happy memories of the cottage now for rent

New tenants are being offered the same facilities used by William and Kate, which include a living room with an open fire and a dining room with French doors.

Until now it was not possible to report on the location of the house or even the layout because of security concerns.

Just last month the Duke spoke of how happy he and his wife had been there. The tranquil setting afforded them a retreat from the pressures of royal life.

The couple often walked on nearby beaches in matching wellies and Barbour jackets with their dog Lupo and enjoyed nights out in the local pub The White Eagle. Apparently William liked a pint of Bitter while the Duchess stuck to white white or mineral water.

 

They walked their Cocker Spaniel up to three times a day in the surrounding area

Kate did the shopping at local supermarkets like any housewife and cooked her husband's favourite meal of roast chicken. With the arrival of Prince George she did have some extra help as the couple's housekeeper in London Antonella Fresolone is reported to have joined them. As did William's former nanny who came out of retirement to lend a hand with the little one.

Last week William, Kate, George and their dog Lupo moved back to the splendour of Kensington Palace, where their apartments in Princess Margaret's former home have been renovated at a cost of £1million.

His decision to leave the military after seven years was undoubtedly motivated in part by his desire to support Kate as much as possible in looking after their baby.

As well as focusing on fatherhood, the future King is looking forward to a new chapter involving more public service. Aides said he will take a year to decide which areas to focus on.
 

The local pub in Rhoscolyn, Anglesey where the couple enjoyed nights out

Source: the Hello

Princess Ingrid of Norway starts first day at new school

           Matching her mum with her fair hair swept back into a plait, Ingrid dressed smartly in a navy jumper and white trousers.

Mette-Marit held onto her children's hands as they arrived at the school, with Haakon towing behind carrying their school backpacks. The royal family were immediately greeted in English by the school's principal Janecke Aarnæs who gave a slightly nervous-looking Ingrid a handshake.

The young princess, who is starting fifth grade, will be expected to communicate in English as most lessons are conducted in the foreign language.

It was reported that Haakon and Mette-Marit wanted their daughter – who is second-in-line to the throne – to be immersed in English and attend a school with children from many different countries, to better prepare her for her royal role.

Princess Ingrid will be expected to speak in English for her classes at the international school

Ingrid's first day involved an induction where students were told about what was expected of them at the school, followed by the chance to meet their classmates.

"When she goes in the door here, she'll be a completely ordinary pupil, just like all the others," head teacher Janecke told Norwegian Broadcasting.

The normal school day runs from 8:50am past 3pm, with Ingrid taking part in various lessons including mathematics, reading, writing, science, history, geography, technology and culture. She will also have three classes in Norwegian a week.

Ingrid had previously attended a public school for four years – the Jansløkka elementary school in Asker close to the family's home, where Prince Sverre and Mette-Marit's first child from a previous relationship Marius Borg Høiby also went.

Sverre, eight, has also left and started at a new private institution, the Oslo Montessori school in Skådalen, where he is in fourth grade.

Source: the Hello