tag:blogger.com,1999:blog-13196106343759614012024-03-05T16:24:29.146-08:00ccaa的~空想世界或許ccaa並不是對的,但是請讓我們在這個誠實的空想世界不斷進步,獲得幸福吧~Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.comBlogger48125tag:blogger.com,1999:blog-1319610634375961401.post-15956799528553541302016-09-14T13:38:00.003-07:002016-09-14T13:38:41.038-07:00上完巴黎投資課後的感想在很久很久以前(你是在講故事嗎XDD),ccaa用periscope上過巴黎的第八班投資課(巴黎班),看見<a href="https://parisvalueinvesting.blogspot.ca/2016/09/blog-post_14.html">巴黎兄準備開始第九班</a>,就來乘勢說一下自己的意見吧(茶<br />
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首先啦,小弟對於巴黎班整體的感想,可以說是不錯的。怎麼說呢,就是有趣得來又有些沉悶,簡單得來又有些困難吧。有趣的地方啦,就是實例講的地方真心有趣,一些大眾化的例子除了較為貼地之外,也能把需要的知識更容易地入腦。但是啦,在其他一些方面,例如演繹方式和Security Analysis的作者(大學講師)感覺差不多,所以啦我這類小屁孩可能很難好好的坐著去聽課吧,呵呵。(如果用加拿大的時間來計算的話,那上課時間就是5am~7:30am了,小弟還因為要去上課,鬧鐘吵醒了老媽被罵了一頓啊qwq)<br />
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嘛如果要真的學習的話ccaa明顯是不會介意任何的沉悶情況的,因為價值投資之路就是一如以往地這麼沉悶吧owo<br />
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課程的困難度啦,就要看看來者準備充不充足了。如果大家都有花一段時間看過不同blogger的所有文章,那巴黎班就很像股票經了,像是老生常談。但是對於從來沒真正研究過價值投資的同學來說,要明白整個課程的概念,就像要一個老人學用facebook, twitter等等的東西,一定不是一件容易的事。<br />
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所以如果真的有興趣去上巴黎班交流的同學,也可以看一下《智慧的投資者》和一系列像《富爸爸》等等的啟蒙書籍啦。<br />
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另外有一個建議,就是千萬不要把課程當成金科玉律,屏蔽其他投資方法。(看看巴黎兄的免責聲明w)巴黎兄也只是分享他的經驗和心得,也說了這是啟發式的課程,是想讓更多人有足夠的知識開始他們的投資之路。所以在課程完結後也是很應該去繼續吸收更多的知識,裝備一下知識的力量。<br />
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p.s.其實在投資路中很多問題也是可以經過網上解決,但是有一些問題就是我們也不知道它們的存在,所以巴黎兄後來沒關掉whatsapp群組也是這個原因吧~多交流,多進步嘛XDDAnonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-48831197396661958532016-09-08T12:01:00.000-07:002016-09-08T12:01:23.585-07:00倒後鏡與向前看<div class="separator" style="clear: both; text-align: center;">
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當ccaa剛開始學價值投資的時候,發現很多其他blogger(真的很多……)在說到不要只看倒後鏡的時候,就會有一些疑惑,究竟向前看的意思是什麼呢?<br />
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其實啦,作為一個有些基本的概念,很多時候新手投資者也是不太明白這意味著什麼,ccaa的朋友們也有一個這樣的時間。<br />
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那就讓ccaa來整理一下吧:3<br />
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倒後鏡:從過去的成績看未來,例如一家企業平均每100元的sales會帶來5元的Net Profit,而且近年來都沒啥變化或很大的收入比例差,證明可見的將來也不會有什麼大事件發生。e.g.大學的各種財務比率,或是技術分析的各種K線,KD線,支撐線等等<br />
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向前看:從過去看出一家企業的各種能力,e.g.從財務能力(cash flow statement)看出管理層管理財務的能力、從研究能力(development and research cost)帶來的利益看出企業抓緊機會的能力。也有一些書籍,例如common stocks and uncommon profit等等也提供了各種例子的啦~<br />
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ccaa的評語:很多時候我們發現的黑天鵝,其實都是平時白天鵝,只是很多人的視力有問題……解決方法可以是盡量發現可以預測到的黑天鵝化為正常的事件,再加上分散投資,就可以降低因為能力和準備不足而中招的機率。<br />
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也不是想批評技術分析或是學術派的理論,但是ccaa不才,真的不明白其中緣故。<br />
這邊就認為,在有人性存在的情況下,一些理論廣為人知的時候,其就擁有了力量來影響原本的結果(反射理論),所以ccaa還是不太喜歡這兩派系的理論,也就是因為這個原因啦ww<br />
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希望這邊的意見可以讓一眾新手投資者更快的明白這個原理。(雖然這邊相信會看這個blog的新手應該屈指可數吧呵呵~Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-34184073620604894852016-08-26T13:31:00.000-07:002016-09-05T16:04:59.670-07:00那些打工的實驗上一篇文章有所過那些工作的實驗,那今天也就來說說這個吧。<br />
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#玩心理學真的會上癮的w別玩太過分就是了~<br />
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好吧我承認自己其實是不太帥的啦-.-攝影技術渣渣也沒有p圖</div>
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實驗1<br />
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-把6~7個硬幣在開工前放進透明Tips Box<br />
-利用一些exceptional skills來讓顧客滿意<br />
-加拿大人都很喜歡給Tips,尤其是他們看不起的唐人都要展示一下他們的優越(?)<br />
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解釋:<br />
-6`7個硬幣令人聯想到6~7個人給了Tips(簡單聯想效應)<br />
-從眾效應達到中效果需要6~7個其他例子<br />
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分析:因硬幣不是相同面額所以導致效果減弱<br />
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結果比對(1CAD=6HKD)day6和day7太忙所以沒法用同一個場地做實驗所以不做分析<br />
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<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid #ccc; font-family: arial,sans,sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col><col width="100"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"day1"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day1</td><td data-sheets-value="{"1":2,"2":"$2"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$2</td><td data-sheets-value="{"1":2,"2":"day3"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day3</td><td data-sheets-value="{"1":2,"2":"$6"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$6</td><td data-sheets-value="{"1":2,"2":"day8"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day8</td><td data-sheets-value="{"1":2,"2":"$27"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$27</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"day2"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day2</td><td data-sheets-value="{"1":2,"2":"$2.5"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$2.5</td><td data-sheets-value="{"1":2,"2":"day4"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day4</td><td data-sheets-value="{"1":2,"2":"$8"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$8</td><td data-sheets-value="{"1":2,"2":"day9"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day9</td><td data-sheets-value="{"1":2,"2":"$26"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$26</td></tr>
<tr style="height: 21px;"><td style="padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td style="padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"day5"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day5</td><td data-sheets-value="{"1":2,"2":"$5"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$5</td><td data-sheets-value="{"1":2,"2":"day10"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">day10</td><td data-sheets-value="{"1":2,"2":"$21"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">$21</td></tr>
<tr style="height: 21px;"><td data-sheets-value="{"1":2,"2":"\u672a\u958b\u59cb\u5be6\u9a57"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">未開始實驗</td><td style="padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"\u5be6\u9a571"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">實驗1</td><td style="padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="{"1":2,"2":"\u5be6\u9a571\u6539\u826f"}" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">實驗1改良</td><td style="padding: 2px 3px 2px 3px; vertical-align: bottom;"></td></tr>
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改良:</div>
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-相同一元硬幣在開工前放進透明Tips Box</div>
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-找款給客人的時候找在Tips Box上空</div>
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-找款將一元硬幣放在最上面</div>
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-無限微笑是必須的吧不過也要有未say hi前的西臉才有更好效果</div>
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實驗2</div>
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收$前弄給客人和收完$才弄的分別</div>
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玩玩沉沒成本效應sunk cost effect(騎虎難下的感覺)</div>
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收錢前弄:在客人問價錢問他想要啥,弄完才報價~</div>
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result:沒幾個不要(其實沒啥不好意思的說ww)</div>
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收錢後弄:告訴客人價錢……</div>
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result:6成客人都走了w</div>
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分析:因為這個有強大的基本型心理學作用威力:退一步海闊天空,ccaa退了一部先服務後收錢,比起正常人先收錢再服務不同。而客人看見這邊服務『真誠』,再加上我已經弄好產品,客人真的不好意思現在才說不要吧XDD</div>
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-人格威脅:你不會是來亂的吧-3-叫完不買??!</div>
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這個其實是有反身性的力量的說,不過太麻煩也太複雜所以不說了~</div>
Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-86846730686420357402016-08-19T15:00:00.001-07:002016-09-05T16:04:41.324-07:00一個墮落再起來的故事<div class="separator" style="clear: both; text-align: center;">
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話說大家都知道ccaa現在是一個學生吧:3所以7~8月的暑假時期給了很多同學們一個放鬆的時刻,ccaa也就不自覺地從眾,跟著一起就頹了……<br />
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完美的irony一個XDD市場營銷的絕佳例子(接近四億的總網站瀏覽量,證明很多人都會認為自己很理性的哦~</div>
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故事是這樣的,ccaa因為是全職學生又忙著summer class(暑期課),所以打工就打不多了。但是打工啦,其實對於ccaa來說是一個心理學實驗的場所。雖然打工的時間不長,因為是節日活動的工作(Edmonton 的K days),只有十天的工作天,所以很多進行中的實驗也就被逼中斷了,但是也有些實驗是成功完成的。這個會在下一篇文章說一下ww<br />
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打完工沒多久後,ccaa有一刻沉醉於自己實驗成功的成就感之中,難以自拔,於是就買了一隻遊戲來獎勵自己的成功。還犯了一個致命的錯誤,就是叫理性君休息一下,認為理性君做了這麼久應該很累了……(對這當然也是感性的一種行為啦<br />
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然後?就是理性瞬間跑掉了OAQ感性來主持大局。理性一跑掉,我就和其他同學一樣,把自己的底牌都大秀一番(哭哭黑歷史啊啊啊)是啊老師和同學們都驚訝了很久然而並沒什麼用處,只是得到了樹大招風的問題……<br />
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接著ccaa也就沉迷於電玩的生活足足一個星期,每天說好的4小時溫習和4小時學投資變成了8小時的電玩時間,schedule 都沒去遵守,整天就只是在玩電玩。學習成績也就大為退步,最終以不合格收場,對就是要重讀。<br />
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就在這時,ccaa的理性君回來了(遲來的春天啊不過有總比沒好)一大堆學業家庭問題還有損失的信用也要努力補回呢。很多不幸的朋友就是理性回不來到傾家蕩產的時候才回來已經太遲了(例如公司倒閉、賭到一身債務等等)ccaa已經算是幸運的一個中學生了XDD新回來的理性君還強化了呢ww當然這就不多說了(茶<br />
還需要適應一下啦w<br />
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雖然暑假是沒能利用這學生黃金自學時期,但是這邊就反而學到了一堂非常重要的課吧,那就是飲水思源(?)啦,別忘了自己的成功條件在哪裡,和別讓勝利沖昏頭腦的一個很好而又低代價的教訓吧:3<br />
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嘛再想那些沉沒成本都是沒用的了,教訓也是得到了,ccaa也就好好的繼續向前進發吧2333Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-46626528683201036562016-07-16T20:06:00.002-07:002016-09-05T16:04:28.573-07:00學習期由於暑假的開始,ccaa決定暫時停止寫blogger,因為這些連續的空閒時間可以做到太多一些平時一定沒時間做,異常繁複的事情啦ww<br />
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近來有同學給了一些關於退休的問題(現在這一代18歲就想退休真是呢:P),說退休後會因為長時間沒事做而造成自身能力的退化,還有投資的不確定性會有機會造成失去大量資產,因而應付不了日後的生活。<br />
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就這個問題,ccaa提出了一個問題,就是退休後我真的是無所事事地過活的生活嗎?當然不會啦XDD這邊可是一投資為興趣的人呢,退休後一定又是去做做教育、幫幫後輩吧(才不會抓住後輩條頸挖錢的說ww) 這邊認為,如果因為財務自由而退休,一定比用現金資產不投資可以更早退休,而且不用比用現金資產更為擔憂自身資產的情況發生。這是由於同學君認為投資是一項賭博,總會有輸掉所有資金的一日。但是,價值投資是以食息為生,資本增值成長的,這樣就需要管理一下自己的資產,不會因為長時間的空閒而荒廢自己的功力,而且生活會過得越來越好啊~何來的九重連環黑天鵝這麼好運啊XDD<br />
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但是在真正可以退休之前,ccaa其實真的非常需要大量的知識來達成防止除了黑天鵝以外所有的重大資產失誤,從而可以更快速擁有財務自由吧。所以ccaa就開始了繼續增進功力的方案,而不是寫大量的blogger備文吧。首先ccaa用youtube兩倍速度看完了MechCalvin的一系列投資影片(用了大約一整天10時間),然後看了SA 的第一章(part one),再看完巴黎的youtube影片,也報了他的投資班。在投資以外的學習,包括英文……因為自己的英文真的不是很在行,所以唯有惡補吧owo 啊,還有心理學,包括窮查理的普通常識、影響力都是很有內涵的讀物,而且psyblog等等的網站也提供了不少幫助吧:3<br />
<br />
好了,今天這邊就想到這裡吧,要先繼續作業程序啦。Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-27558012141462989982016-06-23T19:20:00.001-07:002016-09-05T16:03:59.347-07:00兩篇新聞今天是英國脫歐公投,還有大約4小時就到公報時間了。<br />
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ccaa在這邊就不表達意見啦(干卿底事LOL),就來看看如果英國脫歐結果的影響吧。<br />
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脫歐:<br />
ccaa認為,英國如果脫歐的話,將會對其在歐洲的經濟大幅削弱,但是會解放不少每年在歐盟的支出,也會因此獲得新的商機,整體影響也不會這麼明顯。<br />
英國會因此可以選擇是否接收東歐難民,也會讓英國人的工作機會增加。<br />
政府政策自由度加大,不用再看歐洲臉色。<br />
歐盟有麻煩了w<br />
華爾街登場!<br />
<br />
留歐:<br />
經濟報復from歐盟(?)<br />
留住各國企業,難民照收,歐盟如常(?)<br />
歐盟有麻煩了w<br />
華爾街登場~<br />
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ccaa就決定今天遲些睡,看看結果吧(吃花生2333<br />
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<br />
第二篇:2消防員殉職in時昌迷你倉大火<br />
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這篇ccaa也是對事件內容沒啥意見,不過因此事故而讓我感覺到自己有些東西可能需要改進。<br />
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ccaa反而對雜音滿天飛的意見大於新聞(主要是在fb看得太多次了XDD),例如很多過激的意識形態,和一些無限loop的無忘勿忘等等。<br />
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看見很多香港人(對啦我被認為是加拿大人啦qwq)都是借事件來發洩自己的情緒,而不是真正祝福消防員親屬。借題發揮對於死者好像不太合適吧owo(怕怕)<br />
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對此ccaa作出了一個簡單的分析,找出為啥人們都會有攻擊性言辭。結果是這樣的(茶<br />
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-正義派,這種情況有點像伊斯蘭教傳教方式,但是基礎就不一樣了。伊斯蘭教的行為是因為受可蘭經等等的文化影響,而正義派則是『自我中心和避免不一致傾向造成的道德恐慌性攻擊行為』(急口令ww)。平均來說,香港的環境對他們造成一些不愉快的經歷,例如處於弱勢時無人幫助,到了今天就覺得消防員和自己的處境差不多,所以就想替消防員(心中覺得消防員親屬是自己,別人應該,甚至有義務去幫助的)抗爭一下。<br />
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-反對派啦,很明顯就是看正義派做出如此激烈的舉動,覺得過激的行為應該要修正一下,出於自己的感想就發一發文,結果就遭到正義派的炮轟,康德式公平傾向就促使他們回炮<br />
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-隨著時間的經過,漣漪效應就使這種爭鬥的力量越來越強,最後就當然是爆發了啦ww<br />
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看到這個情況,ccaa就想著,如何不讓自己成為群眾之一呢?我認為的解決方法啦,就是:<br />
-同理心,但是不是過激的同理心,是可以接納別人不同的意見那種~<br />
-超想做一件事情的時候,停一下,想一下,再行動,應該可以防止因不理性而做出愚蠢的舉動。<br />
-評估自己的利益,而不是評估自己的感情,同時最好也去評估一下別人的感受啦(茶<br />
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×一個人逝去,是感情的問題,千萬個人死去,是數字的問題。×Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-28146003206948576882016-06-17T18:06:00.002-07:002016-09-05T16:03:54.394-07:00外·內寫blog沒多久,就遇到第一個難題了,考試時期沒時間寫文……下次應該備文應對這種情況啦~真的對不起,ccaa不知道作plan B的準備的重要性。<br />
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今天ccaa就探討一下,內在因素和外在因素的問題吧。<br />
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外在因素就是,例如我們買車的時候,試駕得出的感覺,和自己對車的feel就是了,而內在因素呢,則是汽車裡面的零件啦。一般來說,人們會在此認為,內在因素的價值比外在因素重要的多吧,因為我們這樣才能買到好東西喔,行家果然有眼光!再舉一個例子,就是ccaa近日去了自己報了的大學向學長學姐打聽了他們對各老師的感覺和其原因,因為ccaa看到單單是看大學的總體評分是沒用的,說不出老師的各種性格。想不到有這麼賤的方法去找好老師啊owo(請把加拿大的大學制度想像成中國政府制度)對我們這樣的消費者(學生也是消費者啦)找到bargain or quality當然是好事啦。<br />
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可是,站在供應者的立場來看,他們需要我們消費者的錢。先假定有競爭,公司會同時評估自己的利潤和市場。那對公司來說,外在因素其實是比內在因素重要的,但長期來說,內在因素會是保持和增長市場的一個很重要的要求。例如特拉斯車的外表很漂亮,適合喜歡用來『顯示』自己的身份,比亞迪車則是一種便宜貨版特拉斯,較特拉斯『平民化』(財報花了半天看完qwq)。看到特拉斯 Model 3 的訂單數量,很大程度上是因為人們看到『紅酒』的價格變成了『啤酒』的價格(雖然不知道會不會變回紅酒價LOL),可以買回來顯示一番。(對股價的雙重意味(?))零件如果過於高昂的話,則需要『節省』一下車了,不然就沒了內在的利潤啦。<br />
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利申:本人並沒持車股<br />
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很多時候,ccaa發現公司(還有其管理層)是非常著重名聲的,那卻是他們的『內在因素』,就是可以chain到別的利益的因素。(沒利潤就可以扯扯牛皮w!)原因大家都明白的對吧~<br />
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在選股的時候,很多親戚朋友都是技術分析派,甚至是靠明牌的人。學術派的人很煩qwq,他們的方法,我覺得是外在因素,因為靠明牌和靠感覺沒啥分別啦,技術分析現在主要是靠其理論攢錢的e.g.華爾街。那就像是,只是看了車的外形和靠感覺,就定下對車子暢銷程度的結論。其實只看財報也是差不多的程度,就是看完車的零件『圖表』來決定自己對車子暢銷程度的見解。一個正常看車的方法應該是先看完<u>真實</u>零件和外形再下定論的,也就是我開始學價值投資的原因。Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-73495853851719173272016-05-11T20:51:00.004-07:002016-09-05T16:03:22.100-07:00致香港中學同袍的一些話~雖然ccaa在香港讀書(中小學)的時候曾經被老師欺壓過,近來也有類似情況發生,不過因為是老師本身的錯所以很快就以軟著陸(敬酒)方式一步解決。這讓我想起加拿大的教育競爭有政府監管所以老師很難『粗暴』對待學生,但是在香港的情況可能就不一樣了(默哀一秒鐘~<br />
這篇文章如果真的要寫出來會超長的說,所以就寫成一句句了。對這很像教條主義,但是ccaa希望讀者可以想想每一句寫出來的原因啦,因為ccaa其實是整合了自己各實驗的成果,並將它們濃縮成一句話的啦~<br />
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<span style="background-color: #6aa84f; color: white;">出外國篇</span><br />
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有錢的子女,當然可以輕鬆去外國讀書的,因為家長的價值觀,這個請求通常不會遭到反對。<br />
但是窮孩子,或是要『食自己』的人,這邊會建議(只是一個建議,行動前要想一下風險和可能出現的問題):<br />
留學生借學生債,也可以靠獎學金、助學金、社會福利過活,大學生可以兼職(?)<br />
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<ul>
<li>情況容許可以借錢放銀行收利息(學生債到畢業時才收利息</li>
<li>合住房是廢話吧~</li>
<li>學生福利e.g.amazon的 student books,可能要自己找</li>
<li>適應新環境</li>
<li>需要一個知己過活</li>
</ul>
難民這個方法真的沒知很多……<br />
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<span style="background-color: #f1c232; color: white;">朋友篇</span><br />
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ccaa在這方面不是很在行,而且朋友不多<br />
對信用和其後果的了解和真誠是ccaa擇友的標準<br />
每個人的標準都不同~<br />
p.s.外國人說話的直接程度會嚇你一跳XDD<br />
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<span style="background-color: #6fa8dc; color: white;">學校篇</span><br />
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首先我們可以明白老師的價值觀、性格、底線、歷史<br />
自己的狀態表(一切)<br />
一些同學的半完成狀態表<br />
再加以利用(注意信用)<br />
心理學很有幫助,但是不要用過火(信用),不然懂得心理學的同行會恨你(from《窮查理的普通常識》<br />
除非考試,學業的一切事情盡量不要帶回家,做好該做的才回家,一來可以給自己一個放鬆的空間,二來可以更好的預防自己的timetable出錯,三來可以裝勤奮好學家長不嘮叨<br />
別只看到一棵樹,忽略了背後的樹林,世界很大,學業不是一切,提高效率的方法不是只有方法而已<br />
功效=效率x時間,效率的改善有複利特性,但時間沒有<br />
先敬酒後罰酒,老師(尤其是校長)其實很怕傳媒的。這個要一定的技術(ccaa覺得心理學實在是太有幫助啦~<br />
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<span style="background-color: #e06666; color: white;">家長親戚篇</span><br />
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心理學是最快的,也是最容易、有效的解決應酬方法,這並不令人討厭,它只是引導而已。<br />
善用親戚們廣大的人脈,可能找到股神也不定(誇張了一點XDD<br />
年薪是很有用的提高地位的物品(老媽就是被李嘉誠的例子說服不阻止我去投資2333<br />
ccaa發現,金錢地位高的人,和金錢地位低的人說的話大部分基本都一樣,找到例外的時候可能就是要找的智慧,可以更多地分析,發掘出他們的精華(感謝他們的知識~<br />
己所不欲,勿施於人<br />
裝小孩的同學,我會建議裝下去~<br />
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<span style="background-color: #8e7cc3;"><span style="color: white;">綜合</span><span style="color: white;">篇</span></span><br />
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-有機會就逃離香港吧,ccaa認為香港的教育真的很糟糕,糟糕到我懷疑facebook的 名校secret 其實是教育局創辦的,用來解決教育制度根本性的問題。(問題強大到不是單單教育局就可以解決的問題(?)大家明的~<br />
-注意信用,注意信用,注意信用。因為很重要所以要說三次!<br />
-利益比什麼都更有說服力,一般的時候愛情也不及它(沒辦法啊自己觀察的結果是這樣……<br />
<br />
這就是ccaa中學生涯的總結,希望自己為數不多的見解可以幫到大家!<br />
順便替dse應屆考生慶祝大部分人都考完試了,大家辛苦了OWO(敬禮!<br />
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<span style="background-color: #f1c232; color: white;"><br /></span>Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-70829884637087155062016-05-09T20:07:00.001-07:002016-09-05T16:03:33.831-07:00開始重視成長股的發現ccaa很窮根本是一個設定,如同巴菲特很有錢一樣。<br />
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如果巴菲特想以購買成長股為投資的主要渠道的話,就像一只獅子吃分散的螞蟻一樣,越吃越肚餓,大部分的錢都用不著,倒不如直接購買大公司的股票,吃豬吃牛更好吧(當然成長股要繼續找就是了~<br />
<br />
不過對於ccaa來說成長股可能可以成為主要的投資渠道,因為一隻微生物對螞蟻可以做什麼啦-3-根本沒可能吃掉!<br />
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但是兩次攻擊很有錢的螞蟻成功就可以由微生物進化成螞蟻啊,何樂而不為??<br />
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現在的ccaa還很笨,不過看到成長股的話應該也會分享一下吧,讓大家也看看是否有潛力~(當然是重拳買完後再說的啦XDD<br />
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p.s. SEC的文件很難看懂,字也太小了!!<br />
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這邊也看了《窮查理的普通常識》其實每一次看完都會有不同體會,極力推薦!!Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-74665427879816525472016-05-01T00:09:00.001-07:002016-09-05T16:03:40.237-07:00再說沉沒成本效應辛苦錢、快錢、大錢、橫財……可能很多人已經注意到自己用不同方法攢到的錢,其實等量的資金在心目中有不同的價值。於是ccaa現在就嘗試創造自己的解決方法,讓自己可以脫離這個想太多的情況。<br />
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沉沒成本,就是指一家公司用以生產產品的,不可減少的成本,例如已購入的機器、工具等等。<br />
沉沒成本效應,就是人們對於過去的付出也會增加對於選擇的比重,有沉沒成本的選擇會比沒有的讓人覺得更好,一種會影響理性選擇的心理效應。<br />
<br />
ccaa認為的基礎思路:<br />
首先,是了解ccaa自己的情況。<br />
<br />
舉個常見的電影例子:<br />
買了一張電影票,發覺電影不好看,你會離場嗎?<br />
如果會看完的,那就是就是沉沒成本效應在作祟了~(很明顯ccaa中招了ww<br />
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再來,就是分析預計事情的得失。<br />
看完電影:被自己逼著看電影,同時浪費時間<br />
立即離場:可以有更多時間做自己的事情<br />
高下立見,但是現實生活中很多人還是……XDD<br />
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最後,想出一個辦法克服這個效應。<br />
ccaa想到了正常人們想事情的時候會使用英文的tense,分別是present tense, past tense and future tense<br />
現在改為只用present tense<br />
像是看電視般覺得不好看就轉台啦,還留戀什麼坐暖了的沙發啊OAO<br />
在有past tense或是future tense的時候就動用理性的思路,只想present tense就行了<br />
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但是,事情真的有這麼容易嗎??<br />
當然不是啦,不然人人就成了查理大神吧科科~<br />
開始的時候ccaa就會在有選擇時嘗試把因素直接讀出來,讓自己更能分析,利用密集式洗腦術,幫助自己調節為自動化克服沉沒成本效應。<br />
這就先試試這個方法是否可行吧,不行的話再更新文章啦(茶Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-75501068485602587262016-04-22T22:30:00.002-07:002016-09-05T16:03:22.102-07:00老媽!!我家老媽是一個半傳統派的家長~<br />
她不像民初年代的父母般限制子女(也就是我~)的自由,但是她也不會放下自己的威嚴(feis~<br />
她不像年輕人(我?)般對大部分事物沒有帶有色眼鏡,但是她也肯逐漸改變思想(雖然要很久就是了-w-<br />
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她和我大部分身邊的人一樣,都認為股票只有技術分析這個分析方法(她暫時還未認識價值投資:DD)她也以這個原因建立了股票=賭博的價值觀(她也以自己的『技術分析』來買股的……<br />
她相信專家(?)的意見,但她卻不理會我的意見,感覺有點失落(對!馬太(名人)效應!!<br />
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不同看過的書籍中都對這個情況有一個相同的觀點:這個是菜菜菜 菜菜菜 菜菜菜的一個很典型的模型。所以我今天想說一說我怎樣利用這個反面教材,防止自己成為下一個植物XDD(在這先對老媽說一聲對不起,雖然她好像沒看我的blogger(?)<br />
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但是我相信我可以帶她走出韭菜之路的2333!!<br />
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說說她對我的認同吧。其實ccaa一直都沒有被老媽認同的,因為她認為我的行為太過奇怪,正常的同學們當然會出多些街,和朋友們社交一下,也當作是減一下學業壓力,我就是整天待在家裡看投資,然後被說成是病態賭徒、宅男、自閉症、沉迷於社交網絡、社交能力差等等qwq(雖然宅和社交能力真的說中了……)發現家人的壓力(其實是麻煩)比學業還要大,如果不是老爸撐着老媽可能明面反對我看投資了……<br />
ccaa認為要獲得老媽認同的條件是當個『大人』,很簡單對吧,這是因為朋友的子女們都急著當『大人』:D(但我就要當個小孩啊,奉承還是等我讀好投資(永遠的意思XDD)才說吧ww<br />
為了不想自己也發生這種情況,我學會了未經調查就先閉嘴,待確定了慢慢再說。(調查完了要耐心等候可以使用的時機……<br />
也從這個經驗中練習了不少免除偏見過重的問題,同時也發現一些偏見也可以作為一些快思(快思慢想),即是腦內shortcut思考的路徑,之前還對這個存有『偏見一定是壞的』的偏見呢!<br />
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我覺得作為長輩有自己作為長輩的威嚴,也不無大過,但是當它變成優越感的時候就會產生另一個問題了,但是經過時間(我無窮的洗腦式說明ww),老媽的思想現在已經開始變得有些彈性了(思想的返老頑童術ww<br />
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其實啦我媽也是個很專注的人,真的很希望她可以支持我投資,一起研究就最好了>v<,因為這樣的話她在這方面的知識很可能會很快追上我的說,真期待這一刻呢~~~<br />
p.s.才沒啥心理工程出現啦Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-15711211070756285332016-04-06T09:37:00.000-07:002016-09-05T16:03:22.096-07:00香港的感想ccaa近來去了香港一趟,所以打算在這裡分享部分的感想。<br />
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-香港比我以前開始來加拿大讀書的時候,民生好像差了很多……<br />
首先是樓價下跌,影響了很多人的生計,整個房地產行業好像都變得蕭條,是受了2015股災的影響?<br />
租金好像也上升了很多,讓不少店鋪商場的貨物價格急速上升(一年中的價格上升了兩成……<br />
人們的消費力好像比去年同期少?餐廳的人流少了很多OAO<br />
誠哥啊快來解救一下香港的金融業,不能讓香港人的錢時常變成熱錢的說qwq<br />
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-給好友的一句話:『辛苦你了!』<br />
香港的DSE制度還是沒改啊……還是『一試定生死』的佔分比重啊<br />
應屆考生壓力的程度不容小看啊qwq<br />
希望將來可以研發出一套更好的教育制度啦,香港高中必修的文言文可以轉為選修科目?通識論文真的需要這麼趕的時間限制?<br />
放下對教育難度的執着是一個不錯的選擇<br />
<br />
-放眼看去中國對香港其實是很柔和的了<br />
香港人如果再能放開個人利益去選擇真正對香港有益的政策的話,中國甚至可能會回到英治時期對香港的管治程度<br />
可以看出香港不論是泛民還是建制其實最終目的都是為了香港的利益(泛民是直接的方法,而建制是用較為間接的方法),但是因為雙方的策略衝突(泛民派和建制派策略常常互相阻礙)才會造成現在的情況,而且現在他們都不太像有成熟政治家的氣質?<br />
但是香港可要把自身的經濟基本實力做的更好啊,不要只靠房地產……O.O<br />
(好了不要將政治問題變成衝突啦<br />
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關於個人的修煉:<br />
《國富論》大致都讀完了,在這回說說自己大概的理解吧<br />
這是基於個人的自利(理性人為前提)因素出發,探索出分工的重要性(三個鐵匠的故事)和其延伸出去的用途(之後可能會寫一些圖解的文章?)<br />
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對於《金融煉金術》的反身性理論還是需要研究一下……<br />
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之後可能會先看一下《賭客信條》,《金融煉金術》真的不是一般的難……<br />
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在香港幸運地遇到貴人:D發現自己仍然有很多不足<br />
得到他的聯絡資料XDD他是誰就不說了:P<br />
<br />Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-59354227567458479372016-03-17T19:50:00.000-07:002016-09-05T16:03:22.098-07:00休息一下由於ccaa近來將會很忙的關係,現在出文章的頻率可能會低了一些,應該約一個星期兩篇吧<br />
也打算增進一下自己的投資知識,把更好的經驗寫在blogger上:D<br />
就是這樣了(土下座wAnonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-38814376714940671032016-03-13T22:58:00.001-07:002016-09-15T09:44:31.498-07:00Once a 賭局2賭局二<br />
選擇一:100%獲得$1000<br />
選擇二:89%獲得$1000,10%獲得$5000,1%什麼也沒得到<br />
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*期望值是有效的,但是這個不是我們今天要討論的重點<br />
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在這個賭局中,在正常的情況,並且沒有注意到期望值的前提,人們大都會在這個賭局中選擇第二個選擇。<br />
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接下來ccaa講的東西可能有些……噁心??!<br />
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決定選擇的因素<br />
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<img src="data:image/png;base64,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" /><br />
展望理論<br />
<a href="https://upload.wikimedia.org/wikipedia/commons/4/4e/Valuefun.jpg" style="background: none rgb(255, 255, 255); color: #0b0080; font-family: sans-serif; font-size: 14px; line-height: 22.4px; text-decoration: none;"><img alt="File:Valuefun.jpg" data-file-height="273" data-file-width="433" height="273" src="https://upload.wikimedia.org/wikipedia/commons/4/4e/Valuefun.jpg" style="background-attachment: initial; background-clip: initial; background-image: url("data:image/png; background-origin: initial; background-position: initial; background-repeat: repeat; background-size: initial; border: none; vertical-align: middle;" width="433" /></a><br />
<span style="text-align: center;">-圖片創作人:Rieger from en.wikipedia.org</span><br />
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風險厭惡對應獲利情況<br />
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" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><br /></a></div>
【無-高-低-高】<br />
<img 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" 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" /></a><br />
這個情況的解釋:<心情>是風險厭惡心理所造成的<br />
<ul>
<li>未知因素是因為不知道因素本身的存在,所以我們都忽略了它。</li>
<li>已知存在的不明因素(或是低概率發生的因素),是我們對之認識只處於表面的情況,而深層的因素也約略知道一二,基於風險厭惡心態,人們會很重視這些可能會對他們造成損失的因素(害怕的心情)</li>
<li>確定了的因素因為是已知事實的關係,人們對於它們的認同會顯著上升(喜愛的心情)</li>
<li>不確定因素(或是中、高概率的因素)是因為不知道它是否可信的原因,造成人們對這類因素的(厭惡心情),和沒有之前因素類別和之後因素類別的加成,所以它的重要性對於人們就沒有那麼重要了。</li>
</ul>
<div>
禀賦效應<br />
人們偏好於make a good deal的心態,就是害怕損失的心理。基於天生和後天因素的同時影響,形成了人們對損失的厭惡。</div>
<div>
構成禀賦效應是在有限資源(失去難以再獲得)的前提下發生,和損失迴避很相似,對應的情況如下<br />
<ul>
<li>人們將賣出和失去物品當作損失,將購入和獲得物品當作獲利</li>
<li>選擇會很大程度上由於直視過高效應(因為愛面子所以不想讓自己覺得之前的選擇是錯誤的)影響,例如人們選擇了samsung手機就不太想用apple手機,和愛上mcdonald就忘記了burger king。</li>
<li>在暈輪效應(過去經驗分析)的影響下,人們會把不選擇暈輪效應影響最大的因素當作是一種損失(股價跟著上,不買好像虧了這樣的情況~)</li>
<li>將即將獲得的東西當作自己所有的物品的心理(通過想像也會有損失迴避效應的產生)</li>
<li>受參照依賴影響(人很喜歡比較別人的事物)</li>
</ul>
<div>
參照依賴<br />
人們會比較他人的情況,作為一個標準。例如有另一個賭局的選擇是:<br />
<ul>
<li>100%獲得$200</li>
<li>50%獲得$300,50%一無所獲</li>
</ul>
<div>
正常的情況下人們會選擇第一個選項,但是如果我們將預期獲利變為$250,賭局就會變成100%損失$50,50%獲得$50,那人們就會選擇第二個選項啦(茶</div>
<div>
<br /></div>
<div>
風險喜好效應</div>
<div>
What?人們又會風險厭惡,又會喜愛風險??!</div>
<div>
對,人們對於將會損失的時候,他們會希望自己減少損失,從而選擇有可能最大程度上減少損失的選項,而忽略它的存在風險(即使是效用價值更低的選項也會選擇)。人們害怕損失更多,從而將損失迴避心理反轉來用,用數學的方法解析就是這樣:</div>
<div>
<ul>
<li>Y > X</li>
<li>-Y < -X</li>
<li>2 > 1</li>
<li>-2 < -1</li>
</ul>
<div>
暈輪效應可在舊文中找到,名叫 The暈輪效應</div>
</div>
</div>
</div>
Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-41562173215045016782016-03-11T09:41:00.000-08:002016-09-20T11:31:21.050-07:00Once a 賭局*在按閱讀全文之前,可以先看一下這三組賭局,並在心裡決定你的答案嗎w?<br />
<br />
賭局一<br />
選擇一:60%得不到任何東西,40%得到$100<br />
選擇二:60%得不到任何東西,40%得到$120<br />
<br />
賭局二<br />
選擇一:100%得到$1000<br />
選擇二:89%得到$1000,10%得到$5000,1%得不到任何東西<br />
<br />
賭局三<br />
選擇一:11%得到$1000,89%得不到任何東西<br />
選擇二:10%得到$5000,90%得不到任何東西<br />
<a href="https://www.blogger.com/null" name="more"></a><br />
<br />
相信答案順序很可能會是二、一、二<br />
<br />
這篇就先說一下賭局一吧,這個是期望效用理論的例子。<br />
而期望效用理論又由邊際報酬遞減和最大效用理論組成。<br />
<br />
邊際報酬遞減,其實在香港的中四經濟科課程有教的(好像是),雖然我是自學的就是了(因為當時沒足夠的分數競爭選科……)<br />
內容嘛,就是以有限資源和風險情況為前提,第一個投入的效用和邊際報酬(類似純利率)最大,其後更多的投入將會獲得逐漸減少的邊際報酬,如果繼續投入的話最終將會造成虧損。在期望效用理論的例子我們不會用到這個理論,但是一個行業的投資卻見證了這事情的發生<br />
<br />
而最大效用理論,就是個人的決策是基於最大期望效用,而不是最大期望金額值(e.g.人們會選擇50%的獲得$100而不是20%的機會獲得$200,在同樣賭注的前提下,因為它們的效用是50%x$100=$50,而20%x$200=$40)這理論有很大的爭議,而這個將會在下一篇與賭局二一起說~<br />
<br />
因為最大效用理論,大部分人都會在賭局一選擇$120的選擇,也就是選擇二。(假設人們都會計算XDD<br />
<br />
(待續)Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-3137560470358709932016-03-10T16:30:00.003-08:002016-09-05T16:02:50.694-07:00Once a 沉沒成本今天的這個概念,應該是很簡單的,但就是有很多人中招的概念(茶<br />
<a name='more'></a>**ccaa覺得這個是一個很重要的概念<br />
沉沒成本,是一些已經給了,不會再回來的東西,在這裡ccaa要說的是沉沒成本對人們的影響<br />
我認為,對於過去的支出,人們念念不忘的原因是因為『沉沒成本謬論』。<br />
沉沒成本謬論,即是人們會更大程度上計算他們在某一事情的成本,往往忽略現在的機會成本。<br />
機會成本,是為了得到一項事物,而失去擁有最大價值的選擇之預期獲利/成本<br />
<br />
就讓ccaa在這裡舉一個例子吧,是關於學業的問題。<br />
小明讀了中學理科三年,他想在大學裡讀會計。他的家長卻反對他這樣做,原因是做事不能半途而廢,要讀就要讀理科相關的科目。<br />
<br />
另一個例子是分手時的問題。<br />
小明和小美現在關係很差,準備要分手,小明的朋友勸小明不要分手,原因是因為他們已經拍拖三年,現在分手會浪費了之前的努力。<br />
<br />
在這兩個例子中,我們都可以看見人們對於沉沒成本的執著,從小明的家長,到他的朋友也受沉沒成本的影響。<br />
<br />
讓我們再來看一下小明可行的選擇:<br />
<br />
學醫方面,小明預期可以獲得的成果大致一樣,他可以讀會計科投身金融行業,或是讀醫科成為醫生,而他並不會受中學選讀的學科影響他雇主的意見(CV裡只會出現他在哪間中學畢業),但是他的家長卻因為他讀了三年理科,所以覺得他應該繼續讀理科。<br />
<br />
感情方面,我們看見他們一對情侶產生了問題。現在如果小明繼續維持關係,結果可能有兩個,一是可以讓關係好轉,重新成為一對很閃的情侶;二是關係繼續裝差,強硬分手會導致更大的心靈創傷。如果他現在分手,雖然小明會受到一定的心靈創傷,但卻沒硬性分手那麼傷心,而且可以重新找一個對象。<br />
<br />
結果分析<br />
<br />
其實兩個例子中的兩個選擇的性價比也是差不多的,但是自己和身邊的人卻因為沉沒成本而然某一選擇看起來更好,而且這個情況亦會讓暈輪效應生效(這個是特殊的暈輪效應因素owo)呢,所以在最後有這麼多人中招的原因,就是這個心理因素的力量啦ww<br />
我們也看出了沉沒成本是如何影響人們的選擇,有時候可能強調了性價比較低的選擇的好處,讓我們常常忽略了最好的選擇。<br />
有時候人們對於沉沒成本的執著可能會影響他們分析事物權衡比重的能力。<br />
<br />
結論<br />
過去的,就讓他過去吧。(from<i> The Intelligent Investor</i> 4th ed. Ch.20)<br />
本傑明大師在寫這句的時候應該有在耍帥吧wwAnonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-28227478542177575272016-03-09T16:24:00.001-08:002016-09-05T16:02:12.275-07:00The分工合作-日記又是ccaa說那個鐵匠的故事啦,早前ccaa說了鐵匠三兄弟因為產量過剩而影響生計,我們今天就看看他們是如何解決這個問題啦(茶<br />
<a name='more'></a>這個是外傳~<br />
<br />
三弟的日記<br />
<br />
6月23日(陰天)<br />
<br />
致日記:<br />
<br />
今天雖然是陰天,但是正因為如此,天氣才沒那麼熱。<br />
上次用這麼便宜的價格購買到的生鐵今天到了,看來今天也會有很多的工作,但是……<br />
那些鐵根本不能造劍啊!有人將正常鐵礦上層的岩石拿去賣,那些是將會成為鐵礦的岩石,但是現在至少要等一千年,鐵礦才會形成,我們被騙了。<br />
早知道是這樣就應該<span style="background-color: #fff2cc;">分散</span>購買……從不同的廠商購買生鐵好像會更保險。<br />
我應該怎麼做呢?日記你能幫幫我嗎??<br />
嘛,算吧,這些難關不是日記君能幫我的了。現在我正在想,應不應該借錢購買生鐵繼續造劍呢,還是另外找一些辦法籌集資金呢?<br />
好吧我還是先睡啦,明天可能會有一個更好的辦法……不!<span style="background-color: #fff2cc;">好辦法不就是讓我們能完成更多的工作,然後能賺更多的錢,力挽狂瀾嗎?</span>但是具體的辦法還是交由明天的我想吧。<br />
晚安了日記,明晚再談吧。<br />
<br />
6月24日(暴雨)<br />
<br />
致日記:<br />
<br />
今天來了一個很強的暴風雨,應該是那個昨天陰沉的天空爆發的結果吧。<br />
我們三兄弟因為早上屋頂損壞,只好快快冒著暴風雨把它修好,以免屋頂漏水就不好啦。<br />
在修屋頂的時候,大哥負責錘子的工作,二哥負責更換瓦片,而我呢,就負責檢查結構和微調的工作。<br />
這時候,我突然想到一些東西,就是不知道腦海中一閃念的內容究竟為何。<br />
直到吃晚餐的時候,大哥說的『兄弟<span style="background-color: #fff2cc;">同心</span>,其利斷金』就讓我想到了分工這個辦法,也就是腦中一直回憶不起的一閃念!<br />
我們三人決定了,要用大家只用最擅長的技能進行分工,嘗試更快速的生產,去補回之前鐵礦的損失,材料就在明天開始購買吧,因為供應商這個時候都應該關門了。<br />
我們竟然用了一天的時間就想到了一個可行的解決方法,可能要感謝暴風雨帶給我的靈感吧(感謝暴風雨~<br />
今天是個很開心的日子,雖然問題尚未解決,不過應該可以很快解決吧,希望今天可以發個好夢,日記晚安!Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-24755761894901315752016-03-07T21:08:00.000-08:002016-03-07T21:10:09.207-08:00投資最大的秘密各行各業都有自己的行內秘技,ccaa認為投資也應該有這樣的一種存在。而今天想和大家分享的,就是投資的密技啦!<br />
<a name='more'></a>哈哈你們其實都被騙了,投資其實都沒有密技的哈哈哈哈哈!!!<br />
不過啦,你們不要認為自己被玩了,其實ccaa認為投資最大的秘密,就是投資其實沒有秘密的。<br />
對,正因為很多行業都有秘密,而投資卻沒有秘密這一件事就被各種秘密的迷霧給掩蓋了~<br />
在這ccaa解釋一下為什麼投資沒有秘密。<br />
<br />
作為一個價值投資者,是不會確定不確定的因素,去預測未來的。<br />
而很多行內幕資訊、小道消息、明牌等等的各種不確定因素不會成為價值投資者的決策原因<br />
只有已經確定的因素才能作為決策因素,而更多的因素其實可以經由努力的搜索,找出公司的未知價值(例如財報中沒有的物品有競爭優勢、未列出的可以生產利潤的長期資產等等)<br />
其餘的知識也可以在與不同行業的人士交流中獲得,所以結果就是投資是沒有秘密的哈哈!<br />
<br />
對啦,其實說了這麼的一片廢話,也在這裡宣傳一下<a href="http://xueqiu.com/">雪球</a>這個不同的大大們交流的地方啦(茶<br />
之後也會更新其他bloggers的網址以供大家可以好哦的更多資訊。<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://33.media.tumblr.com/29a179c52b19da7415afb450131e02a2/tumblr_inline_o1gsrvVwXV1tyh24o_500.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" class="irc_mi" src="http://33.media.tumblr.com/29a179c52b19da7415afb450131e02a2/tumblr_inline_o1gsrvVwXV1tyh24o_500.gif" height="305" style="margin-top: 44px;" width="406" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
-圖片來自google</div>
Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-59216349745927522512016-03-04T19:26:00.006-08:002016-09-05T16:01:48.714-07:00The分工合作2昨天談及了關與基本的分工合作,但是那應該是正常人都會知道的事情吧。今天就由ccaa說一下分工合作是如何進化吧(知識from《國富論》讓我們繼續看那個鐵匠的故事吧(茶<br />
<a name='more'></a><br />
<br />
呼嚕呼嚕~<br />
<img class="irc_mut" height="229" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcQ7udPbDIDlfAKo6eijczeOOtWdl9sZMtL4wgo89jo1o70c6kE_" style="margin-top: 82px;" width="406" /><br />
-圖片來自google<br />
經過一段時間以後,他們的造劍速度變得越來越快,賣出的劍和收入也續漸增加。他們變得越來越有錢啦(yay)。但是……<br />
<br />
<span style="background-color: yellow;">他們發現分工能使他們的工作效率上升,也會使他們獲得對一個工作的程序更為熟練,對工作的思路更清晰。</span><br />
<span style="background-color: yellow;"><br /></span>
<span style="background-color: white;">由於對工作的思路更清晰,對工序需要的動作也越來越熟悉,三人想到了一些可以</span><span style="background-color: #cfe2f3;">更快速生產的方法</span><span style="background-color: white;">,例如將熔鐵入模鑄造、</span><span style="background-color: #cfe2f3;">半</span><span style="background-color: white;">自動化的造柄工序等等的改進,最後他們變成了不太用親手製造的程度。雖然他們的勞動減少了一大截,但是鐵劍的生產量卻增加了不少,讓他們成為該市最大的鐵劍生產商。</span><br />
<span style="background-color: white;"><br /></span>
<span style="background-color: white;">後來</span><span style="background-color: white;">因為他們的生產力實在是太強大了,導致有一天鐵劍賣出一半都沒有,就沒有人去來買了,因為城鎮中每一個士兵都配上了一把他們製造的鐵劍,已經沒有人會在短期內大量購買鐵劍了。雖然他們已經成為了富翁,但是持續的收入卻成了問題……</span><br />
<img class="irc_mut" height="393" src="https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcSBu1d7Z__Pn9eZTJeXXlCQKiIIM3Zkwuq7S8v7EfXUAF2NkcdD" style="margin-top: 0px;" width="393" /><br />
-圖片來自google<br />
<span style="background-color: white;">(待續)</span><br />
<span style="background-color: white;"><br /></span>
<span style="background-color: white;">我們可以看到分工的短期成果(黃色highlighted)和一些進步的跡象(淺藍highlighted),且有半自動生產的出現,這就是從個體勞動中進步的基礎。</span>Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-16331674018067573092016-03-03T23:07:00.001-08:002016-09-05T16:01:48.712-07:00The分工合作在《國富論》一書有提及,分工合作是文明發展中的一個標誌性的發明,他可以讓工作效率、技能熟練度和思維能力獲得巨大的提升。其實我們知道的可能只是分工合作的一半,而另外一半是如何優化分工合作的程序,和對自身以外的合作。<br>
<div>
<a name="more"></a>首先讓我們拿出一個很典型的例子:LOL的團戰<br>
<img class="irc_mi" src="http://ww.daliulian.net/imgs/image/38/3887825.jpg" height="228" style="margin-top: 83px;" width="406"></div>
<div>
-這個團戰是一個藍方對紅方的一個決鬥,雙方都有五個隊員。</div>
<div>
<br></div>
<div>
雙方都有坦克、鬥士和攻擊手,他們的角色大致是這樣的</div>
<div>
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: 1px solid #ccc; font-family: arial,sans,sans-serif; font-size: 13px; table-layout: fixed;"><colgroup><col width="100"><col width="100"><col width="100"><col width="100"><col width="100"></colgroup><tbody>
<tr style="height: 21px;"><td style="background-color: black; padding: 2px 3px 2px 3px; vertical-align: bottom;"></td><td data-sheets-value="[null,2,"\u653b\u64ca\u529b"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">攻擊力</td><td data-sheets-value="[null,2,"\u9632\u79a6\u529b"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">防禦力</td><td data-sheets-value="[null,2,"\u901f\u5ea6"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">速度</td><td data-sheets-value="[null,2,"\u727d\u5236\u529b"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">牽制力</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"\u5766\u514b"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">坦克</td><td data-sheets-value="[null,2,"\u4f4e"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">低</td><td data-sheets-value="[null,2,"\u9ad8"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">高</td><td data-sheets-value="[null,2,"\u4f4e"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">低</td><td data-sheets-value="[null,2,"\u9ad8"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">高</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"\u9b25\u58eb"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">鬥士</td><td data-sheets-value="[null,2,"\u4e2d"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">中</td><td data-sheets-value="[null,2,"\u4e2d"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">中</td><td data-sheets-value="[null,2,"\u4e2d"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">中</td><td data-sheets-value="[null,2,"\u4e2d"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">中</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"\u653b\u64ca\u624b"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">攻擊手</td><td data-sheets-value="[null,2,"\u9ad8"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">高</td><td data-sheets-value="[null,2,"\u7279\u4f4e"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">特低</td><td data-sheets-value="[null,2,"\u4e2d"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">中</td><td data-sheets-value="[null,2,"\u4f4e"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">低</td></tr>
<tr style="height: 21px;"><td data-sheets-value="[null,2,"\u6bba\u624b"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">殺手</td><td data-sheets-value="[null,2,"\u7279\u9ad8"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">特高</td><td data-sheets-value="[null,2,"\u4f4e\u4e2d"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">低中</td><td data-sheets-value="[null,2,"\u9ad8"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">高</td><td data-sheets-value="[null,2,"\u4f4e"]" style="padding: 2px 3px 2px 3px; vertical-align: bottom;">低</td></tr>
</tbody></table>
我們會看見不同的角色會站在他們應該身處的位置,發揮他們各自的長處。<br>
這個是典型的團隊,各取各所需的能力,更大程度上發揮自身的優點。<br>
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這裡也舉一個正常一點的例子(剛才的是一個純用為提起興趣的例子XDD)<br>
有一家鐵匠專門做士兵用的鐵劍,他們正正常常的造劍,並定期把他們售賣而獲得利潤。故事發生在有一天,他們因為錯買了一大批爛鐵,不能造劍的同時帶給了他們很大的財務負擔,他們正在面臨倒閉的危機!於是,他們開始想一些可以幫助他們度過難關的方法,最後他們發現了一直都沒有用過的,而且應該可以長期幫助他們獲得更多利潤的方法,就是盡最大能力發揮各自再生產方面的長處。<br>
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首先大哥表明他最擅長打鐵,而二哥則說自己最擅長縫合,小弟造劍柄的速度就是兩人都比不上。最後,他們決定只造他們最擅長的工序,把自己的生產力放在最擅長的方面,不去理會不擅長的東西,而是由兄弟們搞定。這樣他們的生產力就會集中在他們各自最擅長的領域,而不是平均化能力的生產力了。<br>
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最後他們甚至要借錢買原材料製造新的鐵劍讓官府來大量購買產品,也解決了當時的危機。<br>
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(待續)<br>
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這個就是第一層的分工合作啦,目的是希望大家都可以盡最大能力貢獻團隊。但是,這真的可以把分工合作的更精細嗎??答案是完全可以的!第二層的分工合作,是建立在第一層的優化!</div>
Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-18610695147047229542016-02-28T15:47:00.001-08:002016-02-28T16:08:00.482-08:00ccaa的小小理財(三)ccaa表示:資源的良好運用可以將進步的速度最大化<br />
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這個部分是理財的最大魅力,也是進攻財務自由重要的一步。這就是有什麼方法可以讓自己的錢可以無限生錢啦hahahaha不過這可能需要長時間的學習才能穩定的生錢,有些方法可要交一些學費才會學懂的,就是被動收入了yeahhh<br />
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第一:投資<br />
投資擁有最不用操勞的掙錢途徑(找一個好基金、不動產等等),同時也有最難的掙錢途徑(巴神的那種工作量),當然啦要獲得更多的回報就需要更深入的研究。投資的主要途徑(無論是有沒有被動收入的途徑)有:<br />
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<li>股票(藍籌紅籌股、二線股、IPO、垃圾股、窩輪等等)</li>
<li>債卷(公司債、國債、可轉換型等等)</li>
<li>貴金屬(金銀銅鈀鉑等等)</li>
<li>房地產(house,apartment,mansion等等)</li>
<li>金融衍生產品(期權、期貨、認購權等等)</li>
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第二:公司</div>
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公司是最難獲得的被動收入來源,同時提供著最強的被動收入來源,公司需要理財知識的同時要有人脈、行業本身的技能和管理能力等等的條件。當然,公司可以用作幫持有者提供優質的相關商品作個人使用、很強的扣稅能力、公司名義的各種法律優勢、低風險槓桿(公司股票)作個人(公司名義)投資等決定(當然,股票也會是其他投資者的財產,所以獲得的利益也相對減少了)所以公司可以比喻為虎穴裡的虎子,雖然獲得的過程風險很高,但是回報可是非常可觀的ww</div>
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第三:專利權、原創版費</div>
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這些嘛ccaa是沒什麼研究的,不過基本的要求就是,某一方面的技能達到可以將自己的知識集成一本書,或是不同的產品等等的程度,然後找別人幫自己售賣商品,從中獲得版權費用的東西。當然啦只要有足夠的謹慎和高超的技能,一切將變得簡單啦(創新和維持的平衡也是很重要的<br />
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第四:網站<br />
blogger是其中一個從網站獲得收入的主流方式,網站收入的來源主要是廣告和推銷,這類收入的介紹文章可以輕鬆的從網站搜索中找到哦,ccaa在這裡就不多說啦<br />
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其中投資和建立公司是最能獲得被動收入的方法,而專利權和網站是時間需求相對較低的方法,或是重新學習時間需要較少時間的方法(商科人除外XDD</div>
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(待續)</div>
Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-37714846625343783082016-02-26T23:20:00.002-08:002016-02-28T16:07:52.094-08:00ccaa的小小理財(二)ccaa認為:持之以恆是理財成功的基礎<br />
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有很多人都會在理財的第一步實行了一小段時間後放棄的。其實啦,這個結果除了因為身邊環境的巨大影響外,很大情況是因為自己的懶惰所形成的。<br />
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其實ccaa最近學到了更多可以利用理財知識減少支出的方法,那就是稅務了ww(很多人都說死亡和稅收都是無可避免的),通過減稅來把自己應得的都拿回來啦yeah。<br />
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**這裡每一個例子都是加拿大的例子**<br />
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首先是每個人都會有的入息稅的對付方法<br />
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<ul>
<li>收入分攤(每一個國家都會有不同的方法,例如加拿大有官方計劃、TFSA招數<--這我就不多說了,說了很危險)</li>
<li>創業/自顧者可以租車當支出減稅、借錢用利息支出減稅等等的五花八門方法啦,稅務清零也不是不可能的</li>
<li>分開計算不同部位的收入(e.g.紅利、薪金、小費、獎金</li>
</ul>
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然後是超麻煩的地稅(房產類</div>
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<ul>
<li>家庭工作室的物品折舊(當個blogger領錢後也是可以的,不過這不要太誇張就是了ww</li>
<li>租客住的地方也可以用折舊</li>
<li>各種各樣的其他稅務減免</li>
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Capital Gain Tax Break</div>
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<li>Capital loss……對!那是可以拆掉投資組合的枯枝,還有減稅呢</li>
<li>TFSA的萬用投資稅務分拆</li>
<li>請不要忘記把股息與本金分開</li>
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其他稅務</div>
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<li>好吧這真的是傳說中的加拿大眼鏡費(醫療)扣稅系列,加拿大尤其對窮人優待啦qwq</li>
<li>進修學費的稅務減免</li>
<li>玩轉雙重稅收條約(這也是很危險ccaa也不多說了:D)</li>
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今天ccaa就說到這裡吧想睡覺了-w-(呼嚕呼嚕~</div>
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Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-68009696225205274282016-02-26T15:26:00.004-08:002016-02-28T16:07:42.309-08:00ccaa的小小理財(一)ccaa小時候其實只是對$$有興趣的,對理財一點知識也沒有,而且沒有想過有理財這東西出現啦:P然後啦在去年七月才開始有學習理財的ww<br />
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當時ccaa第一個課題就是這個:記賬<br />
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還記得那時的我雖然沒什麼個人支出,也不清楚有什麼值得記賬,就當作是練習去做了(當時身邊沒有人會去記賬的qwq)現在覺得這樣一步步進步會比一開始就進行複雜的正式理財舒服多了XDD,所以ccaa就想在這裡說說他記賬的經歷~<br />
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第一步是記錄買東西的支出和收入:<br />
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ccaa首先在電話下載理財程式,記錄買零食的支出(文具、書本的支出可是不用我給的yeah)<br />
然後記錄老媽給我交費用拿到的零錢收入、零花錢收入都記進賬了<br />
這可是每天睡前都有在記錄的>v<<br />
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第二步是分析自己的錢錢的情況:<br />
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ccaa把收入的比例弄成一個圓形圖表,看到自己的零花錢佔了收入的九成,而老媽的零錢是佔了9.99%,最後是可悲的銀行利息0.01%(三分錢啊你還是不要給我好啦……)<br />
確定自己的月收入是約$300<br />
在記錄支出,發現九成的支出都是賣食物的支出,其他的一成是其他支出(例如跌錢、麻將輸的錢、買其他物品的費用)<br />
發現ccaa自己是個名符其實的吃貨ww<br />
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第三步是分析自己如何增加收入、避免不必要的支出:<br />
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ccaa發現自己收入可以增加的方法是:可以一邊讀書一邊打工(但是學業很忙要之後才可以分配時間去打工TAT)、更多的零(花)錢、投資,所以ccaa也先學些投資知識也是因為這個原因:D<br />
現在ccaa打工有什麼用?就是去找些本金去生錢了lalala<br />
由於發現了自己是一個吃貨,ccaa就選擇了減少飲食方面的支出,就可以增加儲到第一桶金的速度了yeahhhh<br />
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現在嘛,ccaa其實是投資了很多時間去增進學業方面的知識,少了點時間去做不同的知識增長了qwq(沒辦法因為現在學業比以前難多了不能輕鬆面對啊啊啊)<br />
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<br />Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-37339908361412165082016-02-24T19:20:00.001-08:002016-02-26T15:33:31.003-08:00師奶理財(下)第三層次(二):<br />
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精打細算型超級師奶<br />
-超市殺手,會知道大量資料以判斷要去哪裡買菜,而且這都是在前一天就已經確定好的(很明顯我媽沒有這個等級的功力XDD)<br />
-理財能力高超,會有自己的理財風格,和讓錢流動到對自己最好的地方<br />
-一樣是有特定的生活專長<br />
-基本上財務自由離他們不遠啦<br />
-有些會出書的,通常是一些關於他們專長的書本<br />
(ccaa還沒有想到師奶也有這麼高超的,世界……難道有這麼大嗎qwwwq……<br />
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第四層次:<br />
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大師級師奶(就算是本地師奶協會的副主席也沒達到這個等級啊:O<br />
-基本上是全能的師奶,什麼也懂,什麼也很強,大部分的生活技能也是達到大師級的了<br />
-理財能力只要稍加調節根本上已經可以進金融專業了-3-<br />
-回到很多話的師奶特質,不過這次會在公開場合演講了ww<br />
-財務自由不在話下,而且可以過著比較好的生活(有些則繼續疊複利)<br />
-很多都有出書,例子就不說了,因為不想有些偏見會認為ccaa在抹黑他們啦<br />
(其實有很多這個層次的師奶都會脫變成商人的o.o<br />
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其實嘛,師奶不一定是貶義詞來著,有很多師奶都是備受尊重的,例如……嘛,ccaa也不太好意思舉例子了:P,因為師奶其實是形容一個生活風格,而不是形容一個人的動作與行為。每個人都有自己的生活特色,且我們不應該對此進行批評,而應該尊重他們的價值觀和特色,也可以對不同人士的優點加以學習,讓自己有所進步(與其多一個敵人,不如交個朋友並從他們身上學習會更好啦)<br />
經驗固然是好的,但是暈輪效應就應該避免了,成見什麼的統統都拋下才會進步的嘛,孔子也有說不恥下問的,然後把別人唯一的優勢都貪婪地搶了過來好嗎ww(這不是只講出來就可以的,而是去實踐才會有效)這也是很多師奶都會被認為是些形象不太好的人,因此讓師奶成為一個貶義詞啦(師奶這個詞好長喔科科)<br />
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ww-完-ww</div>
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(下一篇:ccaa對理財的皮毛知識~)Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0tag:blogger.com,1999:blog-1319610634375961401.post-67271228613394119332016-02-23T16:07:00.000-08:002016-02-28T16:08:17.674-08:00師奶理財(上)在ccaa講了很久的投資後,發現有一樣很重要的東西沒講,就是傳說中的理財了#####理財是在投資前需要知道並執行的一個動作,沒了理財我們要如何有錢去投資呢w?<br />
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有很多人認為這些婆媽數(意思是:就只是幾塊錢)就不用太理會啦(我媽是半個這樣的人ww),又或是認為理財是那些師奶的專有動作(在朋友圈裡見到不少人這麼認為)<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://upload.wikimedia.org/wikipedia/commons/1/12/Seelaai.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="450" src="https://upload.wikimedia.org/wikipedia/commons/1/12/Seelaai.jpg" style="-webkit-user-select: none;" width="430" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">看來我得幫師奶們平反一下了XDD</td></tr>
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但是,理財並不是一個不能說出口的話題啦。其實理財,就是財務的管理,是一個讓我們的資金可以更有效地運用的財務基本知識,他也是一個學習很容易,堅持使用卻很困難的概念(所以我們應該對師奶們運用理財管制支出的積極性表示尊重:D<br />
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雖然ccaa說師奶是積極的個人支出管理高手,但是我卻沒有說他們每個都是理財的高手哦owo</div>
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ccaa早前在書店裡遇見一個師奶中的高手(好像是當地師奶協會的副主席2333),她也向我解析了他們師奶的四個層次XDD……</div>
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第一層次:</div>
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普通的師奶</div>
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-正常的師奶示例圖</div>
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-但是容易將商品性價比錯誤地判斷</div>
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-喜歡過安逸平靜的生活</div>
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-只對重視折扣</div>
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-完全沒有金融知識</div>
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-通常是年紀較小的師奶</div>
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(然後ccaa忘記很多的師奶特徵</div>
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<br /></div>
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第二層次:</div>
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<br /></div>
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全職師奶</div>
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-每天都會計算如何購買最便宜的商品,但是還是會對商品的性價比判斷錯誤</div>
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-有一部分的師奶會記錄收支</div>
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-會與其他師奶打好關係並合作尋找bargains</div>
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-開始對金融有接觸,但是知識還是很少</div>
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(然後ccaa還是忘記了很多的師奶特徵</div>
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<br /></div>
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第三層次:</div>
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<br /></div>
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高級的師奶</div>
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-懂得用理財控制生活支出</div>
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-會精通一種或以上的獨特的生活技能(e.g.廚藝、織布、手工、電腦等等</div>
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-開始不重視短利,會尋找如何將長期生活優化</div>
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-擁有一定的金融知識,並會長期進行投資尋找額外的被動收入</div>
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-會尋找更有效率使用資源的方法</div>
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-只會和特定的幾名師奶一起合作</div>
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<br /></div>
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(待續)</div>
Anonymoushttp://www.blogger.com/profile/03924889141211195014noreply@blogger.com0