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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>

Moana: Exploring Feminine Power

Fighting isn’t the only way to prevail

Image: Wikipedia

The other day I was telling a friend who had never seen the movie Moana about it. It’s one of my favorite Disney movies, perhaps because I lived in Hawaii as a child. It’s also one of the few Disney movies where the parents don’t die in the opening scenes. Spoiler Alert — key aspects of the plot will be discussed here. I sent my friend the clip I’ve linked at the end as a kind of teaser. It’s the climax of the movie, where Moana restores the heart of Te Fiti, and as I watched it again, it struck me how this scene, in particular, clearly demonstrates the difference between masculine and feminine power.

It’s been great to see more women as superheroes and action stars in recent years. Lara Croft Tomb Raider, which came out as a movie in 2001 was one of the first ones that really showed a woman as a badass, and it started a trend. Angelina Jolie did a great job of embodying the title character made famous in the video game, but in doing so, she was essentially a male character with breasts. There’s nothing wrong with women being tough and strong, but being able to kick ass as good as the boys isn’t the only way to exhibit power. Feminine power is just as important even though it is largely undervalued.

A healthy society is one that has a better balance of Yin and Yang, the properties of masculine and feminine energies, that may be embodied in both men and women. Our androcentric culture tends to value only masculine strength, as demonstrated by toughness, aggression, control, violence, and the ability to make somebody bend to your will by force. Every action movie ever made is about using superior strength and will to compel others to comply with your wishes. Those movies can be a lot of fun, but that isn’t the only path to triumph.

In the climax scene of Moana, we get the opportunity to see feminine power not only in play but as actually more effective than trying to bring about a desired result through force. Demigod Maui prepares to fight; Moana prevails through displaying vulnerability and a real desire to connect. Her show of feminine power is what ultimately saves the day.

Te Fiti is a goddess of the islands. Her heart has been stolen by Maui, and she becomes Te Kā, a demon of fire and magma. Moana has convinced Maui to return the heart to Te Fiti so that the blight that is plaguing her island can be healed. They do not yet know that Te Kā and Te Fiti are the same goddess in different forms.

As the action reaches its apex, Maui performs a haka to demonstrate his might and prepares to face off the wrathful Te Kā, who is about to hurl a ball of fire at him. This is where Moana steps in, showing Te Kā that she is in possession of the heart of Te Fiti. She realizes that the goddesses are one in the same and asks the ocean to part and let Te Kā come to her. Up until this time, the barrier of water between then has been the only thing keeping Moana safe, but she forgoes this safety.

Te Kā snarls and hurls herself forward, bent on annihilating Moana, while Moana walks calmly toward her, singing. Her belief that she is doing the right thing to help heal Te Fiti is the only protection she has. Moana tells Te Fiti, “I know your name. They have stolen the heart from inside you, but this does not define you. This is not who you are. You know who you are!” She leans forward and touches foreheads and noses with the goddess, in a traditional Maori greeting, known as a hongi, which is also a show of unity.

As Moana replaces the heart, Te Fiti is transformed back into herself — the goddess of creation and life. Gone is the demon of lava and fire, and everything she touches springs forth with new growth and greenery. The task that Moana and Maui set out to do is complete, and it was not achieved by force. Instead, it was achieved through feminine power.

I am moved every time I watch Moana calmly walk towards the snarling Te Kā, trusting in the power of giving, and of connection. One young girl standing firm against a giant demon of fire, with only the faith in her power to bring healing to defend her. She achieves something that Maui and all his might could not.

Sometimes a sword and a strong hand to wield it is what is called for, but not every time. Might does not always make right and sometimes what has the most impact is the power of relationship and healing. I hope to see more movies being made in the future that remind us of this. If you’ve never seen Moana or you haven’t seen it recently, this 3-minute clip is worth watching.

© Copyright Elle Beau 2020 Elle Beau writes on Medium about sex, life, relationships, society, anthropology, spirituality, and love. If this story is appearing anywhere other than Medium.com, it appears without my consent and has been stolen.

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