avatarChristine Vann, MSc.

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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><

Options

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>

Is the End of Sexist Advertising In Sight?

For me, it can’t come soon enough.

Image by Depositphotos.com

I remember it clearly. During a sleepover at my friend Suzanna’s house, we watched tv when the Fa* shower gel ad came on. Out of nowhere, a topless blonde burst on the screen, frolicking in a meadow before showering outside while us nine-year-olds squirmed on the sofa, trying to avoid eye contact with Suzanna’s parents.

To give you a bit of context, I grew up in the late eighties in the Netherlands, where ads like these did not raise many parents’ eyebrows, being as they were pretty commonplace. When it came to advertising, the primary messaging was that women were either young, blonde, pretty, and hung out on the beach, took showers, or mingled with their equally beautiful (white) friends. Or else they were mothers, busy and humourlessly taking on laundry, hoovering, cooking, or nagging their husband and kids.

While men were possibly older, handsome, white, often witty, but always captured working, driving the family car, or wearing a white coat and explaining something important to the viewer. When I grew up, advertising rarely showed men in a caring role or a woman as an expert on something other than cleaning or cooking.

Watching ads with bouncy blonde girls taking showers or showing off their perfect blonde locks in a sun-drenched meadow (Remember the Timotei shampoo ads?) was part of my childhood. We didn’t question it until we were older.

In those days, serial cliches were the backbone of advertising content, perpetuating outdated stereotypes to a new generation.

Fast forward to now, and it certainly seems like the most harmful cliches have been busted, but have ads changed enough to reflect our modern world?

Kiona de Vries and Geerke Catshoek, founders of alternative advertising agency Calamity Jane, don’t think so. They set up their company in response to stereotypical advertising and argue that cliches in ads are still there, albeit more subtle. Even now women are mainly portrayed as doing the lion’s share of housework, needing beauty products to feel confident, or unable to park their (inevitably tiny) car properly.

The mission of their agency-staffed by females from diverse ethnic backgrounds- is to rewrite advertising content to reflect modern women going about their lives, working, driving big cars, and providing commentary on topics other than cleaning or bringing up children.

As a mum of two daughters and a son, I’m delighted with their initiative, and I hope it sets a precedent. Stereotypes are harmful. The Fawcett Society literary review suggests stereotyping can lead to broader gender inequality. And an international World Health Organisation study concluded that addressing childhood experiences and tackling gender norms is crucial to reducing violence against women.

So if we want our children to grow up with ads and media reflecting women and men in roles they can aspire to, we need to make changes urgently. It’s high time boys and girls see men taking on caring positions and women portraying experts. Also, people of all ethnic backgrounds need to feature in ads, so kids with a BAME background feel they belong.

But why do ad-makers rely on cliches? Anyone who has watched Madmen can probably hazard a guess. Creatives only have 30 seconds or so to deliver a message. By using stereotypes, you can use handy shortcuts. Also, advertising is still a male-dominated profession, with only 27% of UK women working in the top positions. And with white staff representing over 80% of employees working in US advertising, pr, and related industries, it’s easy to see why fair representation still has a long way to go.

Nevertheless, replacing stereotypes with new narratives is not just a moral duty to our children; it also seems sensible from a financial perspective. Considering 70–80% of US women driving consumer spending, fair representation makes good business sense.

I can only hope that initiatives like Calamity Jane are the start of a more significant movement.

For the sake of our children, let’s make it happen. Let them see that women can do so much more than prancing about in a meadow.

  • Fa is a German brand of shower gel, and still available in the Netherlands.

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