avatarM Mainul Hasan

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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>

Echoes of Peace 2024: Navigating the Crossroads of Conflict and Compassion

Artistic representation of a dove of peace, a universal symbol of hope and reconciliation, against a serene blue backdrop — Canva Pro.

The heartbreaking truth of the ongoing war is a harsh reminder of how cruel humans can be. In these times, the world must unite in the name of peace and the abolition of brutality, not in the name of either.

It’s clear that ego and wrong-handed power have too often led to devastation. It’s a path that blinds many to the consequences of their actions. But we can only hope for true peace if we understand, care about, and value each other.

When war strikes, it is frequently the innocent who suffer the most. Whether in Ukraine, Gaza, or any conflict-ridden region, the inconsistent responses from the West highlight a troubling reality. Inconsistency that is driven by politics makes things worse for civilians and threatens the search for justice and accountability.

Now, what we need are leaders who care about people and want peace. While humanitarian help is important, we also need to work to address the underlying causes of war. Only then can we hope for a permanent end to the war.

As we stand at these crossroads, we remember that no one has occupied another’s land indefinitely. History reminds us that oppression breeds conflict and suffering but never leads to lasting victory. Instead, let’s focus on fostering mutual respect and understanding and working towards a peaceful resolution that respects the dignity and humanity of all people involved.

Let’s use our voices to advocate for change and stand against inhumanity. History will judge us not only for our actions but also for our silence in the face of oppression. The time for action is now, for the sake of all innocent lives caught in the crossfire.

Let’s unite to protect the innocent, pursue peace, and ensure that no child or civilian, regardless of their background, ever has to endure the horrors of war again.

Let this year be the beginning of a new era where we put an end to all forms of violence and conflict and let peace and harmony rule over the world.

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