avatarCharlene Ann Mildred

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Abstract

<p id="5d64" type="7">一言蔽之,在考慮所有利息、手續費、服務費、雜費、還款假期、利息回贈、現金回贈、分期供款等花巧東西後,化繁為簡,變為我們最熟悉的那個利率便是「實際年利率」喇!</p><h1 id="6d4d">認識「實際年利率」的好處</h1><p id="3f62">好處只有一個,因為「實際年利率」是一個化繁為簡後的利率,赤條條無遮無掩無得花巧,<b>所以是一個可以用來 apple-to-apple 用來直接比較不同貸款方案利息平貴的 rate!</b> <b>其他所有 rate 什麼手續費什麼月平息基本上都可以掃開喇!</b></p><h1 id="bf34">APR 很好,但要小心別把優惠 double-count!</h1><p id="752a">根據銀行公會的指示,如果銀行為客戶提供現金回贈時,是有責任<b>同時提供</b>「包括」和「不包括」現金回贈的 APR,但在廣告 tagline 時仍然可以選擇只寫其中一個 (當然是抱括現金回贈的那個,因為那個 APR 較低嘛)。</p><p id="99ae">以大新銀行「分期快應錢」做個例子,貸款額 $100 萬的客戶一般可享 $2,000 的現金回贈,以 12 個還款期計算,當考慮這筆 $2,000 回贈時,APR 為 2.08%,不考慮時則升至 2.45%。</p><figure id="a9d1"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*mq63eY3Knbz21nm0RbCoqw.png"><figcaption>source: <a href="http://www.dahsing.com/html/tc/personal_loan/express_money.html">http://www.dahsing.com/html/tc/personal_loan/express_money.html</a></figcaption></figure><figure id="cb60"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*WEIvTX8iHtWCiQ1ZS9cPJg.png"><figcaption>source: <a href="http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf">http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf</a></figcaption></figure><p id="df8b">但當你瀏覽宣傳單張、瀏覽網頁或在分行被銷售的時候,經時會看到 / 聽到類似的話:</p><p id="023a" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 $2,000 現金回贈添!</p><p id="57dc">留意番,魔鬼就在「仲有」兩隻字嗰度,2.08% 已考慮 $2,000 現金回贈!所以唔應該係「仲有」,而應該係「包括咗」... <b>一個不小心就會把優惠 double-count 了!</b></p><p id="cba2">另外一個可以降低 APR 的方法便是提供「首月還款假期」,即第二個月才開始還款,類似的 tagline 包括:</p><

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p id="8889" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 首月還款假期添!</p><p id="3599">謹記所有優惠也會影響 APR ,<b>分清楚到底廣告/職員說的到底是「優惠前」還是「優惠後」的 APR 就能作出精明選擇了</b></p><p id="166e">版主推介:</p><div id="7d3e" class="link-block"> <a href="https://medium.com/@Watin/%E9%8A%80%E8%A1%8C%E5%B0%8F%E7%9F%A5%E8%AD%98-1-%E8%B2%B8%E6%AC%BE%E5%89%8D%E5%BF%85%E8%A6%81%E6%90%9E%E6%87%82%E7%9A%84-78-%E6%B3%95%E5%89%87-c4fbdc2cd0c3"> <div> <div> <h2>銀行小知識 (1) — 貸款前必要搞懂的「78 法則」</h2> <div><h3>知道了做貸款便有預算了</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*jNn_gXMBUzrq4tf_96JwXA.png)"></div> </div> </div> </a> </div><div id="6ca5" class="link-block"> <a href="https://medium.com/@Watin/%E4%BF%A1%E7%94%A8%E5%8D%A1%E9%96%91%E8%AB%87-11-%E5%B8%B6-2-%E5%BC%B5%E5%85%AB%E9%81%94%E9%80%9A-50b7ca868310"> <div> <div> <h2>信用卡閑談(11) — 如何賺盡八達通回贈?</h2> <div><h3>帶 2 張八達通出街!</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*acfp_LQv6zcOi9ce0R0-Pg.png)"></div> </div> </div> </a> </div></article></body>

Directing a Mindset for a Blockbuster Life

Inner Voices into a Harmonious of Success

Edited from Canva

Our mind is an endless theatre of thoughts, a ceaseless production where the narrative of life is penned and performed each moment. Within this intimate, infinite space, we are the director, screenwriter, and lead actor, crafting tales woven with threads of memories, dreams, and experiences.

Just as the grandeur of Broadway requires meticulous planning, your mental theatre needs strategic direction for crafting a life that reflects with applause, not whispers of what could have been.

Every blockbuster begins with an iconic lead — the protagonist navigates through the plot’s twists with grace, strength, and resolve. Your mind is auditioning thoughts constantly, choosing which ones deserve the spotlight.

Reflect on your internal casting process. Do you assign leading roles to doubts, fears, and insecurities, or do you empower thoughts brimming with confidence, love, and optimism? Being selective and intentional in this process is paramount for setting the tone of your life’s narrative.

Behind the scenes, diligent rehearsals unfold, each practice session honing skills, refining expressions, and imbuing the characters with depth. Similarly, mental rehearsal is the invisible yet invaluable choreography that dictates the rhythm of our lives.

Cultivate routines that bolster mental strength, fostering resilient, adaptable, and reflective thoughts. Engage in exercises that sharpen your cognitive acuity, offering you the clarity to discern, decide, and direct with unparalleled precision.

With the cast selected and rehearsals concluded the spotlight unveils the grand stage of life. Every day is a premiere, a unique spectacle where we navigate through scenes composed of joy, sorrow, triumph, and defeat. Living intentionally, with mindfulness and presence, is akin to delivering a performance that captivates, resonates, and profoundly moves the audience.

Intermissions are not idle breaks but reflective pauses that offer an oasis of insight into the tumultuous desert of incessant thoughts. Just as directors utilize intermissions to build anticipation and reflection among the audience, strategically orchestrating pauses in your mental theatre facilitates recalibration, rejuvenation, and redirection of your mindset. These intentional gaps are indispensable for nurturing a view that is as expansive as it is profound.

A set is not a mere backdrop; it amplifies or mutes the narrative’s essence, providing a context that influences both actors and audience alike. The recesses of your mind, the mental environment you construct is for your thoughts, emotions, and aspirations. Construct a set conducive to growth, filled with colors of optimism, resilience structures, and creativity textures. Be mindful of the elements you introduce into this space, for they subtly, yet significantly, influence the script, performance, and reception of your life’s play.

Edited from Canva

Every scene, act, and play eventually concludes with a curtain call, a moment that signifies transition, completion, and the potential for new beginnings. In your theatre, curtain calls represent life’s inevitable changes, endings, and the dawn of fresh opportunities. Approach these moments with a director’s vision, discerning when to gracefully exit a scene and how to step into the next with anticipation and preparedness. Embrace life’s curtain calls with elegance, humility, and a readiness to embark on the subsequent act with renewed vigor and insight.

As the curtain falls and the audience erupts into applause, take a moment to bask the glory of a performance — a life — well directed, scripted, and enacted. The ovation is not merely for the triumphant moments but also for the challenging scenes negatively adeptly, the dramatic turns handled with finesse, and the comedic interludes that offer respite and reflection. The encore is a standing ovation to your journey, acknowledging your growth, effort, and the infinite potential that the next performance holds.

Your Life, Your Script, Your Performance

The theatre of thoughts is a personal domain, an intimate space where you are the ultimate creator, director, and performer. With each review, decision, and action, you are scripting a uniquely narrative filled with scenes that reflect the spectrum of human experience. Direct with intention, perform with passion, and script with authenticity. Your blockbuster life awaits, ready to be envisioned, crafted, and celebrated by you and the audience with whom you choose to share it.

Consider this your call to action:

  • Direct your mindset intentionally.
  • Craft your life’s narrative thoughtfully.
  • Step into the spotlight confidently.

Your theatre of thoughts is ready for its next blockbuster. Are you?

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Life
Mindset Mastery
Theater
Directing
Cognitive
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