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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>

Power BI Reports in Power Apps

How Microsoft wants to integrate Self Service BI in Office Products

Photo by Ed Hardie on Unsplash

Good news for all data lovers in the Microsoft world, because Power BI elements are now to be linked even more with Office applications — Microsoft has officially announced:

Now App makers can add Power BI reports and datasets as Dataverse components in Power Apps solutions, improving the export, import, and customization process. Solutions are a Power Platform tool that enables users to deploy applications built using Power Apps, Power Automate, Dataverse, and other Power Platform services. — Microsoft Power BI Blog [1]

Adding Power BI Elements — Image Source: Microsoft Power BI Blog[1]

That means that in Power Apps, you can now add Power BI report and dataset components from Power BI work spaces just like any other Dataverse component. After you added a Power BI report, it will detect any dependency between the report and relevant dataset and add the dependent dataset automatically [1].

This fits quite well with the strategy that Microsoft has been following for a few months now. The focus here is clearly on the better integration of Power BI with other Office products and apps and is thus intended to advance the self-service idea in companies.

Microsoft took a similar step with the integration of Power BI with its Teams Mobile apps a few weeks ago. Together with some other important features you can clearly see and strategy of Microsoft here.

But this course from Microsoft also makes sense, because companies want to become more data driven and equip their employees with skills and tools around the topic of data analytics and business intelligence. Other competitors such as Google and others are taking a similar approach. If you are interested in this topic and also work with Power BI, you might be interested in the following article.

Sources and Further Readings

[1] Microsoft Power BI Blog, Announcing Power BI report and dataset management in Power Apps Solutions (2022)

Data Science
Technology
Microsoft
Power Bi
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