目前日期文章:200611 (12)

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真丟臉 居然要寫一篇這個文章...




回答yaa的問題,我是集滿了。三個系列24隻。


約莫一個月前,有天我們公司的總務大哥拿了一隻米奇的磁鐵給我,說是買心熱園咖啡送的,他也不清楚是什麼活動?我無所謂地將他貼在身後鐵櫥,既然黏不上辦公室隔間牆的板上。當時7-11活動是小熊維尼書籤磁鐵,同事們也三三兩兩在收集,我就收留了這隻孤單米老鼠。

第二天,總務大哥帶來了白雪公主磁鐵,告訴我買麵包也有送。20元就有得送,又可以挑。我整個就是覺得比77元抽一個不知道是什麼的感覺踏實。一陣驚喜之下,我開始問他細節。磁鐵放在店員身後盒子中,買了就可以抽一個。但盒子洞口不小,所以基本上可說是用挑的。

等到集到四五隻時,我在鐵櫥上張貼公告,看可不可以集個七矮人之類的,多多益善。我當時已經發現底座顏色不同,大致知道有不同的系列,但還是不清楚是啥活動要這麼好康的贈送這些玩意兒。每天早上到公司的小小期待,就是看今天可以抽到哪一隻意料不到的迪士尼人物。

於是,我開始每天早上喝一罐熱的咖啡色的伯朗咖啡。有一天還加了紅豆湯種麵包,一次得兩隻。

我從7-11網站上得知活動,買某個貼紙產品,就送一隻。但也沒有公佈整組照片等任何訊息。我再根據這正式命名「迪士尼跳棋磁鐵」查到eBay上有網友販賣一整套24隻450元。我也才了解這是7-11之前的一個活動送剩下來的,現用來促銷心熱園飲品。之前77元抽一隻有附塑膠套的(好貴!),集滿還可以買鐵棋盤。因此,一共有三個系列,小熊維尼、米老鼠、還有公主系列。每個系列都有一隻size較大的棋王,是擺在跳棋頂端的位置。(看!我上班都在作這種事情)

嚇!450元滿整組?一隻18元…我還是決定號召同事繼續喝心熱園,20元飲料,有喝又有拿,比較划得來。

太多同事同時幫我收集,就有抽到重複的問題。我另外還用上一篇的磁鐵家族照片作了一個管理,拿到一隻就塗掉一隻,更新在電腦桌布上。一有同事問起來,就立刻為他們作一個簡報,快速地update最新資訊:「還缺拿花小豬、唐老鴨、粉紅色米妮…」,哪有同事要幫忙,還不告知的道理?

一開始還順利,怎麼挑都可以挑到不一樣的。慢慢地,我發現愈到瓶頸了。那一筒中逐漸出現的都是熟面孔,拿也不是,不拿也不是。我都已經拿了兩隻醜陋的阿拉丁精靈了,可不想再拿第三隻。若硬要伸手撥弄嘛,那也要看店員有沒有厚臉皮阻止,或者後面排隊結帳的人多不多。我臉皮也沒厚到要遭受到店員白眼。

我也想過去別家seven門市抽,因為有可能seven耍賤,同一個門市無法湊齊全部。但不去還好,一去更令人卻步。其它家seven不但不能讓我自己抽「挑」,而且小玩偶上居然還留有套子,這樣一來,根本無法辨別誰是誰。最後還是回到樂得門市。

我發現我越來越不快樂,一點都不像剛開始那樣興奮。每次在店中流連,只希望等到比較少人結帳的時候,可以抱著桶子翻攪。

有很多次我也告訴自己,已經夠了。現在就已經夠多隻了,根本不要集到全部。但這樣的念頭馬上就在我眼尖看到一隻不一樣的磁鐵後馬上粉碎。或者,我都已經快放棄了,居然不同部門的同事居然還輪番幫我去喝飲料,還在中午尖峰時間三個女生堵在櫃檯,硬是要翻出一隻。我馬上就感動低又回復鬥志。

有趣的是,每天總有人在休息時,到鐵櫥前晃晃,將磁鐵換換位置,並且問問我進度。就只有總經理最無情,居然跟我說,「妳集滿了,生命就沒有意義了嗎?」他難道不知道還有其他系列可以收集嗎?而且小小磁鐵居然可以凝聚他員工之間的向心力!!!

到了最後,拿到重複磁鐵的部份,都可以湊齊半掛了,居然還少睡美人和小美人魚。其實,公主系列實在是有夠醜,而且都穿長裙子長得都一樣。而且公主通常都是九頭身的小臉蛋,因此臉妝部份格外不容易上,一不小心灰姑娘就歪了眼,或者阿拉丁的茉莉公主就斜了嘴。可愛度遠不及大肚子的維尼熊。所以到了最後兩隻,又拖了很多天。又不是所有人都認得出睡美人,我只好一直宣傳說是粉紅色裙子的。(最後大家還說要把多出來的那隻灰姑娘裙子塗成粉色。)

終於終於,最後歸隊的小美人魚也是在我同事有印象看過,但醜到不想拿的情況下,終於帶回來。這整個系列,我不留在辦公室說不過去,因為至少有三個以上的同事是「認真」的幫我收集。整整歷時一個月,終於整套搜齊,而我的小腹已經變大,生活,也終於恢復了平靜。我宣佈不參與公仔系列,我需要休息一陣子。

-完-

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暨中了「心熱園」熱飲送迪士尼跳棋磁鐵的毒後,我一次又一次的上了廠商的當。

所學專業上,我十分了解廠商用意,藉著小小促銷,送小禮物、集點、抽獎等,無非不是希望得到消費者的個人資訊,或者刺激消費,並得到使用後回應。禮物事小,廠商得到的是珍貴的消費者資訊,往後再全力促銷或開發新產品等,都有門路。但~

再怎麼了解這些伎倆背後的道理,我還是忍不住誘惑,忍不住貪小禮物的心態。這幾天寄出了讀者回函(期望抽中小禮物)、填資料換試用券等等,我想,我還真是努力實踐所學,配合廠商,迎合這一堆企劃的創意,捧著我的資料送上門去。
看CSI看的好好的,居然也有回答問題抽獎活動,送CSI紀念商品。問題是最新一季CSI Miami的組長是誰?怎麼那麼簡單,當然是何瑞修!!要問我他演員本名都可以。唉我準備去axn-taiwan網站填資料了!!

唯一可以自我安慰的是,我也沒啥大錢可以消費,就珍惜這麼些拿小獎的喜悅吧!

有時候還真希望身在語言不通,不看電視不接觸媒體的法國德國,我就買我需要的香蕉蘋果就好了,什麼迪士尼跳棋磁鐵啊。

唉~真不爭氣!

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歹勢都沒有文章,
主要是因為換了TAtU的背景,暗色背景,又花花一片
老人家我自己連自己的網誌都懶得瞧。
所以還是換回清楚版好了~~

說一下我最近在忙的事情。就是中了7-11的邪,蒐集下面這些。我明天會放上我的感想。
要蒐集小叮噹公仔的,加油啦~我不跟你們玩了。

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Nine Tips for Investing in Happiness
2006年10月13日20:02

If you want to be happier, forget spending dollars -- and focus on how you spend your time.

Sure, a bigger house and a fancier car might briefly put a smile on your face.

Yet academic studies suggest that simply amassing more stuff won't bring a permanent increase in your happiness.

So what will? I dug through some of the work done by economists and psychologists, and came up with these nine tips.

1 Make time for friends. According to a 2006 report by the Pew Research Center in Washington, 43% of married people say they are 'very happy,' versus 24% for those who aren't.

'Married people spend less time alone,' notes David Schkade, a management professor at the University of California at San Diego. 'There are parts of your brain that are stimulated by the presence of other people. You're more active and energetic and engaged.'

For the same reason, seeing good friends on a regular basis can also bolster happiness.

'The data is coming in thick and fast on the value of friendships,' says Andrew Oswald, an economics professor at Warwick University in England.

'The data suggest that making your friends a priority will have more bang for your buck than making your next promotion a priority,' he notes.

2 Forget the pay raise. While regularly hitting the town with friends will likely increase your happiness, you probably won't get the same boost from spending hours at the mall.

True, you are initially thrilled when you buy that new dress or that flat-screen television. But the thrill quickly fades and you start hankering after something else.

The same thing happens when you get a pay raise. Soon enough, you are taking the extra money for granted and you're feeling dissatisfied again. Experts refer to this as 'hedonic adaptation' or the 'hedonic treadmill.'

3 Don't trade up. Research indicates that, once folks achieve a fairly basic standard of living, it takes a lot of additional money to bring about even a small increase in reported happiness.

Yet your income and wealth could still loom large -- if you start comparing yourself with those around you. For instance, if you moved to a neighborhood you can barely afford, you would likely be disgruntled.

The reason: You will be surrounded by wealthy families, and that will be a constant reminder of your relative financial standing.

'If you can look out your window and see neighbors with lower incomes, you'll be happier,' Prof. Oswald says. 'People are very keen to move into the elite neighborhoods. They don't realize that they won't be as happy as they expect. That's the curse of being human.'

4 Keep your commute short. Moving into a ritzy neighborhood would be even more harmful to your happiness if it means a longer commute.

It turns out that commuting is one of life's least pleasurable activities. While we're usually pretty good at adapting to hardships, it's hard to adjust to commuting because it is so unpredictable. One day, you will breeze into work. The next day, you will sit steaming in traffic for 45 minutes.

To make matters worse, a longer commute means less time for leisure. And the research says we enjoy leisure more than work.

5 Count your blessings. Your pleasure from your new house and your latest pay raise may subside. But you may be able to revive some of the good feelings by taking a few minutes to count your blessings.

Remember how wealthy neighbors can make you feel poor? What matters is what you focus on. Instead of obsessing over your neighbors' riches, try focusing on the riches you have -- and that will likely make you feel happier.

6 Enjoy a good meal. In surveys, eating ranks as one of our favorite pastimes.

'It's a relatively pleasant activity and it satisfies a basic need,' Prof. Schkade notes. 'But if you aren't focused on it, you won't enjoy it as much. This is why the French enjoy their food more. They are less likely to eat alone and they are less likely to be doing something else at the same time.'

7 Challenge yourself. Leisure is more pleasurable than work. But you should also think about how you spend your leisure time.

After a long day at the office, you might be inclined to stagger home and collapse in front of your new flat-screen television. But in fact, the research suggests you'll be happier if you are more active.

Suppose you start a new exercise program. The key: Set goals that are challenging yet achievable, because you will enjoy the sense of progress.

Also look to change your exercise program occasionally, so the pleasure you receive doesn't start to fade.

As an added bonus, regular exercise will leave you healthier, and that should further increase your happiness. According to the Pew Research Center report, a mere 6% of those who describe their health as excellent also say they are 'not too happy.' By contrast, among those who say their health is poor, 55% report that they are 'not too happy.'

8 Volunteer. If you want to help yourself, try helping others -- by engaging in charitable activities.

'Not only does it make you feel valuable, but also you see other people doing good deeds, and that makes you feel better,' Prof. Schkade says. 'It makes you realize the world can be a good place.'

9 Give it time. Surveys have found that reported happiness tends to be U-shaped through life, with folks becoming increasingly grumpy as they approach their 40s and then recovering from there.

Maybe our happiness gradually declines as we fail to fulfill our youthful ambitions, only to revive once we accept our lot in life. Alternatively, maybe this midlife unhappiness reflects the time pressures faced by those in their 40s, as they juggle work and family.

But whatever the reason, you are likely to grow happier as you grow older. Not sure any of the first eight tips will do the trick? Maybe you just need to give it time.

Jonathan Clements

如何投資幸福?
2006年10月13日20:02

如果你想變得更快樂﹐忘了花錢這件事吧--留心如何享受你的生活﹐才是真的。

誠然﹐一所更大的房子﹐一輛更靚的轎車﹐或許能暫時博你一笑。

然而﹐學術研究顯示﹐僅僅靠積累更多的財富﹐並不會永久性地增加你的幸福感。

那什麼才能做到這一點呢?我反復研究了一些經濟學家和心理學家的工作成果﹐得出了九點秘訣。

1. 留點時間給朋友。根據華盛頓佩尤研究中心(Pew Research Center) 2006年的一份報告﹐43%的已婚人士表示他們“非常幸福”﹐而在未婚人士當中﹐這一比例僅為24%。

“已婚人士獨處的時間較少﹐”加利福尼亞大學聖地牙哥分校管理學教授大衛•施卡德(David Schkade)說。“人腦中有部分組織會因為其他人的存在而受到刺激。你會變得更活躍﹐精力更充沛﹐做事情更投入。”

同樣地﹐定期與好朋友碰面也可以提升幸福感。

“對於友誼的價值﹐我們總是能很快找到大量資料加以證明﹐”英國華威大學(Warwick University)的經濟學教授安德魯•奧斯維德(Andrew Oswald)說。

他指出﹐資料顯示﹐比起把自己的下一步晉升放在第一位﹐把朋友放在第一位會讓你覺得更有意義。

2. 忘了加薪吧。雖然與朋友們定期到城里轉轉可能會增加你的幸福感﹐但是如果你花上好幾個小時在商店裡購物可能就未必能得到相同的幸福感了。

誠然﹐當你剛買下那件新衣服或者那台平板電視的時候﹐你會感覺很棒。但這種興奮的情緒很快就會消逝﹐你又會開始渴望別的什麼東西。

你在獲得加薪的時候也會如此。不消多少時間﹐你就會認為加薪是想當然的事﹐你又會感到不滿足。專家稱這種現象為“享樂適應”(hedonic adaptation)或是“快樂水車”(hedonic treadmill)。

3. 千萬別“嫌貧愛富”。研究顯示﹐一旦人們達到了基本生活標準﹐即便要使自己的幸福感增加那麼一點點﹐也要額外付出大量的金錢。

然而﹐你的收入和財富可能還遠遠不夠--如果你開始將自己與週圍的人相比較的話。比如說﹐如果你搬到一個你只能勉強支撐的社區﹐你就會感到心情很糟。

原因很簡單﹕你四週都是富裕的家庭﹐這會時時提醒你﹐你沒多少錢。
“如果你從窗外望去﹐看到的都是收入比你低的鄰里﹐你會感到更幸福﹐” 奧斯維德教授說。“人們總是渴望搬到精英社區。他們並未意識到﹐他們不會像期待中的那樣幸福。”

4. 減少花在路上的時間。如果搬進豪華社區還意味著來回奔波的時間更長了﹐那可能會進一步傷害你的幸福感。

研究顯示﹐通勤是生活中最令人沮喪的活動之一。雖然我們通常很容易適應辛苦的狀況﹐但是人們很難適應通勤的變幻無常。前一天﹐你在上班途中還是一路暢通﹐而另一天﹐你就有可能遇上交通阻塞﹐被嚴嚴實實地堵上45分鐘。

雪上加霜的是﹐來回奔波的時間增加意味著休閒時間的減少。研究顯示﹐我們更享受休閒、而不是工作的樂趣。

5. 想想高興的事情。你從新房子﹐或是最近一次加薪中得到的快樂可能會逐漸消退。但是﹐如果你花上幾分鐘想些高興的事情﹐你可能會重新找回一些幸福的感覺。

還記得富裕的鄰居是怎麼讓你感到貧窮的嗎?其實﹐重要的是你所關注的東西。試著把注意力放在你擁有的財富上﹐而不是對鄰居的財富念念不忘﹐這樣可能會讓你感覺更幸福。

6. 享用美食。調查發現﹐吃是人類的最大消遣之一。

“吃是一種相對令人愉悅的行為﹐它可以滿足一種基本的需求﹐”施卡德教授說。“但是﹐如果你不把精力集中在食物上﹐你就不會享受太多的樂趣。這也是為什麼法國人能更好地享用美食的原因。他們很少自己吃飯﹐他們在吃飯的時候也很少同時做著其他事情。”

7. 挑戰自我。休閒比工作更加令人愉悅。但是﹐你也應該想想如何度過你的休閒時光。

在辦公室忙了一整天後﹐你可能會拖著疲憊不堪的身體回到家中﹐直接倒在你那台新的平板電視面前。但實際上﹐研究表明﹐如果你多做運動﹐你會感到更快樂。

假設你開始了一項鍛煉計劃。關鍵是:制定具有挑戰、但又可以實現的目標﹐因為你會享受不斷進步的感覺。

同時﹐試著不時地調整一下鍛煉計劃﹐這樣你從中得到的快樂才不會消退。

定期鍛煉還有一個好處﹐你會變得更健康﹐進而會增加你的幸福感。根據佩尤研究中心的報告﹐在那些聲稱自己健康狀況極好的人當中﹐只有6%的人同時表示他們“並不是太幸福”。相比之下﹐在那些聲稱自己健康狀況不好的人當中﹐這一比例高達55%。

8. 參加志願活動。如果你想幫助自己﹐先試著幫助別人--讓自己投身到慈善活動中去。

“這不僅會使你感到自己有價值﹐你也會看到其他人在做好事﹐這會讓你感覺更好﹐”施卡德教授說。“這會使你認識到﹐世界還是一個美好的地方。”

9. 讓時間決定一切。調查發現﹐人生中的幸福感呈U型走勢。人在接近40歲的時候﹐脾氣通常會越來越暴燥﹐而在40歲以後﹐又會逐步恢復。

或許﹐因為我們沒能實現年輕時的抱負﹐我們的幸福感逐漸下降了﹐而一旦我們接受了人生的現實﹐我們的幸福感才會恢復。或許﹐中年人的不幸福感反映了他們面臨的時間壓力﹐因為他們要為工作和家庭奔波。

但是﹐無論是什麼原因﹐隨著年齡的不斷增長﹐你可能會感到更幸福。不大確定上面八個訣竅行不行得通是嗎?也許﹐你只需要把一切交給時間來決定。

Jonathan Clements

(編者按﹕本文作者Jonathan Clements是《華爾街日報》個人理財專欄“Getting Going”的專欄作家)

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Amid Losses, 12 Financial Truths Persist

June 18, 2006

Get a grip.

Spend a few days following the markets, researching investments and watching business television, and you are likely to find yourself overwhelmed by the uncertainty of it all. Will stocks rise or fall? Which mutual funds will shine? What's next for interest rates?

But take a step back and you will discover that there is, in fact, a surprising amount of certainty. True, you will never know which way stocks are headed in the days and weeks ahead. But when it comes to managing money, there are some undeniable truths -- including the dozen listed below.

1. It's hard to cut back.
As your salary has climbed, your standard of living likely also has risen. You probably eat out more and purchase pricier cars, and you might have traded up to a bigger home.

Within reason, there's nothing wrong with this. Constantly deferring gratification isn't a great strategy for getting the most out of life. Still, there is a price to be paid for this ever-rising standard of living. As your lifestyle grows more costly, it becomes more difficult to retire, because you need a bigger nest egg to sustain your standard of living. Sure, to make retirement affordable, you could slash your expenses. But once you get used to a certain standard of living, it's extraordinarily difficult to cut back.

2. You'll never be satisfied.
Instead of cutting back, most people constantly strive to raise their standard of living. They are forever aiming for the better car, the bigger house or the larger paycheck, only to become quickly dissatisfied once they get what they want.

Academics refer to this as 'hedonic adaptation' or the 'hedonic treadmill.' As the thrill fades from our latest promotion or purchase, we start hankering after something else -- and so the cycle goes on.

3. Borrowings have to be repaid. This might seem obvious. Yet I wonder what people think as they rack up huge credit-card balances, take out auto loans and borrow against their homes' value. How exactly do they plan to repay all this money? Or do they intend to bequeath these debts to heirs?

4. Fancy cars and expensive clothes aren't a sign of wealth.
Rather, they are a sign that somebody once had money or chose to borrow it. The money has since been spent, and the folks are poorer for it.

5. Your family could prove to be your greatest liability.
You are no doubt well aware of the expense of raising children and putting them through college. Often, however, family costs don't end there. If your adult children or your retired parents get into financial trouble, you'll probably end up bailing them out.

The lesson: Teach your children to save diligently and invest intelligently before they leave home, and don't be coy about talking to your parents about their finances.

6. Investors face three enemies.
And their names are inflation, taxes and investment costs. Indeed, once you factor in these three financial hits, you may find your portfolio isn't making any money.

Let's say you buy a mutual fund that owns bonds yielding 5%. If the fund charges 1% in annual expenses, your yield will be 4%. If you are in the 25% tax bracket, Uncle Sam will take a quarter of that yield, leaving you with 3%. What if inflation comes in at 3%? Put it this way: At least the tax man and your fund manager made money.

7. Adding risky investments can lower risk.
You can figure out your portfolio's performance by simply looking at the results for each investment you own. A portfolio's risk level, by contrast, isn't a straightforward reflection of the investments held.

Consider gold stocks. Yes, they can be wildly erratic performers. But because gold stocks often gain when other investments are suffering, adding them to an investment mix can actually lower the portfolio's overall risk level.

8. Diversification is a mixed bag.
By diversifying broadly, you reduce risk and ensure you will always have a little money in the market's hottest sectors.

But inevitably, if you hold a diversified portfolio, some of your investments will badly lag behind the market averages each year. Find that disturbing? The investments that struggle this year may salvage your portfolio's performance in the years that follow.

9. Not all risk is rewarded.
Both stock funds and individual stocks can post nasty short-term losses. But that's where the similarity ends. If your well-diversified stock funds take a tumble, you can be almost certain that they will eventually bounce back and deliver respectable returns over the long run. But if your individual stocks take a dive, you can't be confident of ever recouping the loss, no matter how long you wait.

10. Most investors fail to beat the market.
You don't need statistics to prove this. Simple logic will do.

Before costs, investors collectively earn the market's performance. After costs, investors collectively lag behind the market. In fact, investors -- as a group -- will lag behind the market by the extent of their investment costs. That doesn't mean you won't earn market-beating results. To do so, however, not only do you have to outwit your fellow investors, but also you need to overcome the drag from your own investment costs. That's no easy feat -- and very few folks manage it over the long haul.

11. Change is costly.
When you sell one investment and buy another, there is no guarantee you will boost your returns. But the change will almost always cost you. To be sure, if you buy and sell no-load mutual funds inside a retirement account, the trade will be cost- and tax-free. But with most other transactions, there's likely to be a fee or tax involved, and possibly both, so think long and hard before you make that next trade.

12. Your best investment strategy is saving.
Even if you're brilliant at picking stocks and funds, you won't pile up a whole lot of dollars unless you have a decent amount invested in the market. The bottom line: If you want to be a successful investor, you first need to be a committed saver.

-By JONATHAN CLEMENTS


理財箴言12條
2006年06月27日18:33

如果你花上幾天的時間跟蹤一下市場﹐研究研究投資﹐再看看財經電視頻道﹐你也許就會發現自己的身邊充滿了各種不確定性。股市是漲還是跌?哪只共同基金會成為閃亮之星?利率下一步將走向何處?

然而﹐當你退後一步時﹐你又會驚奇地發現﹐實際上能夠確定的東西也有很多。當然﹐你永遠也無法準確知道未來數日、數週的股市走勢。但是當談到理財時﹐有許多真理是你無法辯駁的。其中就包括以下12條。

1. 由簡入奢易﹐由奢入簡難
隨著工資不斷提高﹐你的生活水準可能也會水漲船高﹐外出吃飯的次數增加了﹐換了更好的車﹐甚至還會買更大的房子。

這些都是情有可原的。總是壓制自己的欲望也不利於充分享受生活。不過﹐生活水準的不斷提高也是要付出代價的。由於你的生活方式變得越來越費錢﹐要想退休就會變得沒那麼容易﹐因為你需要賺更多的錢來維持高水準的生活方式。當然﹐為了能夠退休﹐你也可以削減各類開銷。不過﹐一旦你習慣了某種生活標準﹐要想再降低下來就十分困難了。

2. 欲壑難填
在削減開支和努力提高現有生活水準之間﹐多數人會選擇後者。他們永遠都想要更好的車、更大的房子、更高的薪水。而一旦得償所願﹐他們很快就又變得不滿足。

學術界將之稱為“享樂適應”(hedonic adaptation)或是“快樂水車”。當升職或是新房新車帶給我們的興奮逐漸消退時﹐我們又會開始去追求別的東西﹐如此周而復始。

3. 欠債還錢
欠債還錢是天經地義的事情。不過我依然很想知道那些大量透支信用卡、欠下大筆車貸、房貸的人是怎麼想的。他們究竟打算如何償還這些欠款?或者說他們是否就打算把債務留給後代﹐來個父債子償呢?

4. 靚車、高檔時裝並非財富的象徵。相反﹐這些東西表明一個人曾經很有錢﹐或者說選擇了借錢消費。花了這些錢後﹐這些人變得更窮了。

5. 你的家人也許是你最大的財務負擔。
毫無疑問﹐你很清楚養育孩子、供他們念書要花多少錢。但家庭開支往往不止於此。如果你的成年孩子或者你退休的父母財務上出現了問題﹐你可能還要向他們伸出援手。

因此﹐在孩子離開家獨自開始生活前﹐你要教會孩子多存錢、理智地進行投資。同時也不要害怕和父母討論他們財務問題。

6. 投資者的三大敵人。
他們是:通貨膨脹、稅和投資成本。實際上﹐如果將這三個因素都考慮進來﹐你會發現自己的投資組合根本就不賺錢。

比如﹐你購買了一個投資債券的共同基金﹐收益率為5%﹐如果基金的年費是1%﹐你的收益率就會降到4%﹔如果你適用的所得稅率為25%﹐美國政府還要從這些收益中提走1/4﹐這樣收益率就降到了3%﹔要是通貨膨脹率恰好又是3%呢?可以這麼說﹐至少稅務機關和你的基金經理是賺錢的。

7. 增加高風險的投資能夠降低總體風險水平。
只要研究一下投資組合中每項投資的回報情況﹐你就會知道整個投資組合的總體回報。但是﹐投資組合的總體風險水平卻不能這樣簡單地累加。

想想黃金類股。是的﹐它們的走勢十分不穩定。但是由於黃金類股在其他投資遭遇重挫時往往會逆市上揚﹐因此﹐把該類股加入投資組合中能夠降低投資組合的總體風險。

8. 多元化大雜燴。
進行廣泛的分散投資﹐不僅能降低投資風險﹐還能保證你總能持有一些市場上最熱門的投資。

然而﹐如果你進行了分散投資﹐投資組合中不可避免地會有一些投資的表現達不到市場的平均水平。可別因此討厭它們﹐今年表現不好的投資很有可能會在下一年成為你的大救星。

9. 並非所有的高風險都有高回報。
不論是股票基金還是個股﹐短期內都會出現大幅地下跌。但它們兩者的相似之處也就僅限於此。如果你有一只投資極為分散的股票基金﹐如果它出現了下跌﹐你幾乎可以肯定它總有一天會反彈回來﹐並在長期內給你帶來可觀的回報。但如果你持有的一只個股大幅下挫﹐無論你等多長時間﹐都不敢肯定它哪天會出現反彈。

10. 多數投資者都無法跑贏大盤。
這一點不需要統計數據來證明。簡單的邏輯分析就能讓人一目瞭然。

在計入成本之前﹐投資者總體的回報率與大盤一致﹔在計入成本之後﹐投資者總體的回報率就要遜於大盤了。實際上﹐投資者作為一個整體﹐它們的投資回報率落後於大盤的部分就是他們的投資成本。這並不意味著你就沒有機會跑贏大盤。但是﹐要想做到這一點﹐你不但要智力超群﹐而且還要成功克服投資成本的影響。這並不是一件容易的事情﹐很少有人能在長期內持續跑贏大盤。

11. 改變是要付出代價的。
當你賣出一種投資﹐而買進另一種投資時﹐你的回報率不一定就會因此提高。但是﹐改變卻一定會帶來成本。當然﹐如果你在一個退休帳戶中買進和賣出免傭金的共同基金﹐那就另當別論了。而其他多數交易可能都會涉及傭金或是稅金﹐甚至有可能兩者都涉及。因此﹐在你下一次進行交易前﹐一定要仔細、認真地考慮考慮。

12. 最好的投資策略就是存錢。
即便你是挑選股票、基金的高手﹐如果你不在市場上投入大量的資金﹐也不會有機會賺大錢。因此﹐如果你想成為成功的投資者﹐首先就要成為一個勤勤懇懇的儲蓄者。

Jonathan Clements

(編者按﹕本文作者Jonathan Clements是《華爾街日報》個人理財專欄“Getting Going”的專欄作家)

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 明年農曆春節確定有9天連假!行政院10日公布,明年春節休假自2月17日(六)至2月25日(日),一共9天,其中23日(五)因彈性調整放假,在3月3日(六)補行上班。此外,包括清明節、端午節,以及中秋節3個民俗節日,也都彈性放假4天。

 

人事局指出,未來政府行政機關放假節日將依該原則調整,農曆春節假期的最後1天如適逢星期四,則星期五調整放假;如假期第1天適逢星期二,則星期一調整放假,並均在除夕前1週的星期六先補行上班。

 

不過,因為教育部已確定明(96)年學校寒假在春節之前,日期為1月27日至2月16日,接續2月17日春節假期,如果要依上述原則於2月10日先補行上班,落在寒假中,無法補行上課,所以明年農曆春節彈性放假後的補上班日,特別配合學生作息,改在春節假期後1週的星期六(3月3日)。

 

經人事行政局報請行政院核定的4個民俗節日假期為:

除夕暨春節為2月17日(六)至2月25日(日),共9天,3月3日(六)補行上班。

清明節假期為4月5日(四)至4月8日(日),共4天,4月14日(六)補行上班。

端午節假期為6月16日(六)至6月19日(二),共4天,6月23日(六)補行上班。

中秋節假期為9月22日(六)至9月25日(二),共4天,9月29日(六)補行上班,連續放假4天。

 

人事行政局表示,為廣納各界意見,以問卷向162個政府機關及民間團體徵詢意見,並在9日邀集相關政府機關及工商、勞工團體,以及

全國教師會等開會研商,在不減少政府行政機關全年總上班日數下訂定假期調整原則,與會代表達成共識。

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不曉得大家玩過沒有?





Your Brain is 53% Female, 47% Male



Your brain is a healthy mix of male and female

You are both sensitive and savvy

Rational and reasonable, you tend to keep level headed

But you also tend to wear your heart on your sleeve

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上公車
跨出右腳
右腳上的鞋子還在地上耍賴

跟司機說不好意思
趕忙收回腳撈鞋子
結果
司機很酷的抿著嘴說

沒有關係。

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出處不明,若知道請不吝告知。謝謝。

Improving Active Vocabulary

Active vocabulary is used to express our thoughts and ideas whereas passive vocabulary is used to understand and comprehend what we read from context clues and inferences.

You can develop a personalized list of words you want to learn to use, perhaps add just one or two each day. Here are seven steps for improving your active vocabulary.

1. Find new words in context
Be alert for "good" words, they can be found everywhere: television, newspapers, magazines, textbooks, lectures, conversations, etc. Get out of your rut and deliberately expose yourself to new environments, new experiences or new books. Read parts of magazines and newspapers you normally skip. Try joining in on classmates' discussions.

2. Carry a pen and a notebook
Keep a small notebook or note cards handy at all times and jot down new words with their contexts as you find them. You can look them up and learn all about them later.

3. Personalize your dictionary
Every time you have to look up a word in your dictionary, mark a small dot or date in the margin beside the word. If you do this regularly, it will become a record of words you have needed. When you have looked up a word three times, it's time for that word to become a part of your active vocabulary. Give it special attentions until you are comfortable using it.

4. Personalize your published word list
This only applies if you decide to use a published word list. First, mark out all the words that you have never seen before and all the words you already use. Those left will be the vaguely familiar words you have seen before and may need to see again at some time in the future.

5. Use and reinforce a few new words every day
It has been estimated that your must use a new word ten times before it becomes "yours" and you feel comfortable using it.

6. Make flash cards
Write the word and sentence (context) in which you found it on the front of the card; write the definitions and another sentence which is meaningful to you on the back. Look through the cards (both back and front) and test
yourself at odd moments during the day (while standing in the grocery store line, doing mindless chores or waiting between classes)

7. Read often and regularly
The best way to experience new words and become comfortable with them is to see how other skilled writers use them. Read from a variety of subjects, authors, and publications.

Improving Passive Vocabulary
Passive vocabulary is used to understand and comprehend what we read from context clues and inferences, whereas Active vocabulary is used to express our thoughts and ideas.

You can easily develop a personalized list of words you want to learn to use, maybe Just one or two each day.


Here are four steps for improving your passive vocabulary:
1. Become familiar with common word parts
Common word parts include prefixes, roots/stems, and suffixes. Becoming familiar with these parts will enhance your chances or making better educated guesses about the meanings of unknown words you hear and read. A bound word part is one that is not an independent word.

This part can not stand alone in a sentence. An unbound word part is one that is an independent word. This word part can stand alone in a sentence.

Prefix - A bound form, one that is not an independent word, placed before another word or bound form to change its meaning. Prefixes include be, counter, dis, hyper, ad, sub, anti, pre, pro, etc.

Roots/Stem - The part of the word around the prefix and suffix. It can be bound and unbound.

Suffix - A bound form added to the end of a word or another bound form. Inflectional suffixes indicate such meanings as "plural" or "past tense". Derivational suffixes usually change the part-of-speech category of the words to which they are attached. Suffixes include ly, ble, ize, ise, yse, yze, our, ic, ac, etc.

2.Use clues in the context
Use clues in the context to help you guess the meaning of unfamiliar words. In other words, use what you already know. Is the word similar to one you already know? There are fewer than 100 major prefixes, which, alone with the context clues, help you to infer meaning from unfamiliar words.

3. Look for examples to illustrate an unfamiliar word
Are there details later in the paragraph, which reflect the meaning of the unknown word?

4. Try
You should perform all of the above steps before interrupting your concentration for a trip to the dictionary. When you do use a dictionary, take particular care to locate a definition appropriate to the context in which you found the word.

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這張明信片買了好多天了,但從14號開會以後,就沒有時間寫。
這裡是伯恩和蘇黎士之間的一個度假小城,Lenk。
風景很美,看著雪尚未溶化的Alps,滿是草味的農莊,蒼蠅及便便雖多,卻感覺很棒。
我有聽媽媽的話,少照500人開會情形,多照點這裡的美景!!
這裡雖有computer room,但連上網路之慢,慘不忍賭,因此我完全無法收信。先這樣。

註:那時還是用需要底片的傳統相機。

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從馬來西亞寄回家的明信片收到了,好像應該寫寫遊記吧?!
那從這張明信片開始好了。

Dear,
好久沒有參加旅行團!原以為團費含吃住機票,加上自己花點零嘴開銷,應該不會花到什麼錢,結果還是敵不過導遊三吋不爛之舌。肉骨茶滷包、錫器、東革阿里(出發前根本沒聽過,結果也照買)、巧克力。
旅行團省的是奔波時間,加上許多號稱的discount。團員都是同事,外加一兩位家屬,這一趟倒也十分愜意。
我這幾天住的都是五星級雙人房,一個人住。外加餐餐吃好料,真是不曉得旅行社(還兩家勒)如何獲利。台灣可以學習的是這種套裝行程介紹、加強導遊素質、專業語言訓練,以及配合紀念品廠商的促銷功力。
我每天都睡很飽,所以超級值得。希望明天找得到褲子。唉!
23/10/'06

圖說:
The three most significant buildings in the city of Kuala Lumpur, from the left, K.L. Tower, Sultan Abdul Samad Building and the Petronas Twin Towers.

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帶了便當之後,中午「下課鈴」打了以後,我通常等第一批外出吃中飯的同事離「場」,慢慢晃到微波爐,把便當蓋打開,放進設定一分半鐘,在旁邊發呆。

第二批同事此時差不多也要離場吃飯,問了一句,你媽今天又賢慧了啊。點了頭,繼續在那邊呆。等到逼逼聲後,我獨自捧著便當,回到座位上。

關掉辦公室大燈,我享受依個人片刻的寧靜。等著下午一點的時候,用skype out給跟這邊差7個小時的小睡豬。然後自己也趕著睡個幾分鐘。

今天,總經理嫌我在那耍自閉,拉我帶著熱好的便當,跟第二批同事去吃飯。他們點他們的,我吃我的。他的立場我能暸解,希望員工之間互動好一點。所以我同意放棄今天的自閉,跟他出去吃。

我們去的是一家叫昆明園的緬滇餐廳,聽說清燉牛肉麵的牛肉是黃牛肉,口感極佳。我不會寫美食文章,這也不是我的重點。老闆是緬甸人,脾氣很不好,常常都是客人看他的臉色,我就不懂為什麼還是那麼多人。老外愛極了他的口味,幾乎天天都高朋滿座,聽說週末也不例外。每張餐桌的玻璃墊下都有各國小鈔,上面有簽名,從阿拉伯、科威特到常見的外幣都有,在在說明了這間餐廳的在外國朋友間享負盛名。我帶clarence去過一次。

所以,我掀開便當,看著檸檬魚跟椰香雞飯,配著我的便當。沒吃兩口,老闆現身,指著我的肉絲燜大黃瓜,問是不是豬肉。說一定是。(其實也是。)接著叫我收起來,指著牆上那些向清真寺蜂擁朝聖的照片,嘴巴唸唸叨叨。

好險他沒有趕我出門,或者把我的便當倒掉。但我想我以後還是在辦公室吃便當安全一點。

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