avatarGregory D. Welch

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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>

Here’s What Happened When I Wrote Poetry Every Day for 5 Months

Plain spoken inspiration & quick pointers

Photo by Cody Black on Unsplash

If you really want to change the world for yourself and your readers, write poetry. No other form of writing is quite like it.

This all began with the poetry month challenge, then a local poetry month challenge soon after, and then I thought, “Why not just keep this going?”

It’s a simple enough formula to follow, and yet there are infinite ways of combining these basic elements to create all kinds of new and exciting poems. The trick is to learn how to link ideas and find the connections between things.

So, I did. And then it kicked my butt. And then I kept writing poems. And it got harder. And I kept going anyway. Poetry changes you as nothing else can.

Here are just some of the many life lessons I learned writing poetry every single day for five months.

It isn’t easy, but it’s worth it

Let you in on a secret, writing poetry can be tough. I mean really tough. And it’s a whole lot tougher to writer it every single day for months on end.

A lot of writers like to brag about how easy writing is for them. But I think it’s more important to be upfront and real with you.

Writing poetry is going to be challenging. Just some blue jeans truth for you right there.

You’re going to hit a wall, find yourself repeating lines and poems and topics and you’re going to have days where it’s an absolute struggle to get the right words to slide in close to each other (without fighting).

But you know something? It isn’t easy but it’s definitely worth it. Stay with me here, let’s take a closer look.

Poetic form can help you find inspiration

As odd as it may seem, I take a lot of inspiration from the form of the poem I write. If there is any resistance to putting my thoughts on the page, knowing the shape and form that poem is supposed to take helps me overcome that resistance.

Writing Pantoums, or some variation of this form feels like home to me. I write a lot of poems in this style. I like it because I know the shape of it. I know its expectations. This doesn’t mean I follow that form or its expectations at the cost of the poem. Hardly. But it does mean that I can sit down, look at what lines are supposed to go where and how they’re all supposed to get along and have some overarching idea for how my thoughts can come together in poetry.

Just a few key ingredients are all it takes

Writing moving and gripping poetry really comes down to some key requirements:

  • paying attention to the little details
  • being prepared for the work
  • being willing to rise to the occasion
  • being able to meet the challenge
  • being confident

It’s a simple enough formula to follow, and yet there are infinite ways of combining these basic elements to create all kinds of new and exciting poems. The trick is to learn how to link ideas and find the connections between things. That’s what feeds all of this in the end, connections.

Poetry shouldn’t be as complicated as we sometimes make it

Much of the resistance any one of us might feel toward writing poetry probably has more to do with what you think poetry has to sound like, how it has to look and read, and a lot less to do with your actual ability or confidence in it.

Think about this, if you know you have something important to say and have some ideas for how to say it, what’s really stopping you from writing it down? Likely it’s because of some expectation you have and are projecting onto poetry and the poetic form. In other words, it probably has something to do with what you think a good poem should look like, sound like, or read like.

Flowery language, rhyming, perfect form, balanced stanzas, high language, and smart diction, that’s what we expect of poetry, right? But why? Who says poetry has to take any of these shapes or forms? Has to live up to any of these expectations?

What if you were to just write what you’re feeling, get it all out there, and then came back later when you’re editing and revising and worked all of those feelings into a form or shape? Or no shape at all, you just tightened its connections and revised it for flow and grammar? Why not? Who’s stopping you besides yourself?

Poetry says what no other genre of writing can

Writing so many poems has taught me a lot about myself, my work, and the special language of poetry itself. I find most of my poems on the daily walks I take along little country back roads. I leave home without a plot, a plan, or a poem, and usually come back with ideas brimming.

How? Because poetry isn’t confined to paper pages or digital words bleeding across little screens. It’s untamed, wild, and it’s out there, in the world, just beyond your reach. Poetry is an enticement to more and more curiosity. An invitation to not only eat and be full but to fast and know hunger.

Hunger drives us, it’s instinctual. Poetry taps into similar primal truths. It asks us to try and capture something of our soul and essence with an entanglement of words, written in an imaginative and heartfelt language. It is written in ink only half as much as it is written in soul and spirit.

Conclusion

Should you take up a daily poetry writing routine? Maybe, that’s entirely up to you. But if you decide to, remember to keep it flexible. Give yourself, and your imagination, the time and energy writing poems can take.

Don’t expect things to be easy, be prepared for the surprises. There are few better tools for writing moving poetry than attention to details and a well-trained imagination that can link ideas together. If you’re willing to lean into the challenge, and to pay attention to the links connecting things — sometimes unexpectedly — you’ll find your poetic voice growing, getting richer, fuller, and saying more.

Looking for your next read? Check these out:

Writing
Poetry
Creativity
Life Lessons
Nonfiction
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