【免費退休規劃試算工具分享】

「退休需要多少錢才夠？」
以往通常我會建議直接用4%法則做計算，這樣比較簡單快速。
不過4%法則也會遇到幾個問題，就是只能評估總金額、無法了解過程，此外許多人擔心通膨沒有納入考慮、勞保勞退沒算進去、錢沒用完等等問題。

今天這篇文章是談一些我覺得在退休計畫中應該要有的觀念。
文中提供了常見的3種退休金的估計方式，從簡單到複雜，
評估的細節越多，好處就是會更接近真實人生狀況，但缺點就是不好算。

文中有介紹一個免費的退休試算工具，可以很詳細的設定許多參數，包含：單筆與定期投入、薪資成長率、通膨率、預期報酬率、勞保勞退現金流(你是美國籍的話也有401K)等等，來幫助你做退休計畫的試算。

這個試算工具裡面，有許多預設數值我覺得蠻認同的，
例如預設報酬率5%、通膨率2%，可能有些人會覺得這樣設定太低估、太保守，導致算出來需要的金額比較高，
✔但我認為：保守估計的結果才是更可靠、達成率更高的。
任何財務計畫，不做過度樂觀的評估、做更充足的準備，才有更大機會得到理想結果。

➡看今天的教學文章：https://rich01.com/how-to-do-a-retirement-plane/

➡免費退休試算工具 連結：https://ppt.cc/fxbGYx
想做精細試算，可以點選右下方 『前往進行更完整的退休試算』 註冊後，可以做精細試算並產出一份報告。

#有做測驗可以把結果分享在留言

--本文為市場先生受美股智能投資公司Growin邀稿分享--

"Zero-Two Rise! Road to glory has to lead to growin' path to change! One to two! Kamen Rider Zero-Two! It's never over."

Hong Kong’s “unusually strict” quarantine rules will deter financial firms from continuing their business in the city, stirring up “growing anxiety” within the financial sector, according to industry figures cited in a Bloomberg report.

Read more: https://bit.ly/3vLNTKS

《彭博》引述一名國際投行高層指，如果香港長期維持現行的隔離檢疫政策，公司不得不考慮將部份交易員，轉移至其他金融中心。
________
📱Download the app:
http://onelink.to/appledailyapp
📰 Latest news:
http://appledaily.com/engnews/
🐤 Follow us on Twitter:
https://twitter.com/appledaily_hk
💪🏻 Subscribe and show your support:
https://bit.ly/2ZYKpHP
#AppleDailyENG

Listen to the single "NOT A CYPHER". Out now!
Stream: https://music.empi.re/notacypher.oyd


NOT A CYPHER

-----------------------------------------------------------

MV PRESENTED BY:
Mercy Creatives 美杰創意影像工作室
Spotlight X
SHFT
theLOOP
Murphy

Directors | Drew Cheng / Kelvin Lee
Producer | Greg Cheng
Editor | Richard Yang

—Taipei Unit—
Director | Drew Cheng / Kelvin Lee
Producer | Greg Cheng
Director of Photography | Richard Yang
First AC | Ashley Yang
Associate Producer | Keen Chen / Megan Peng
Production Assistant | Christine Lin / Kendra Ing / Cavin Fang / Adrian Town / Francis Yu / Jessica Yu
Art Director | Megan Peng
Associate Art Producer | Richard Yang
Stylist | Meishin
Stylist Assistant | Cindy Chao
Hair | Martha Wu
Makeup Artist | Albee Hsieh / Backstage
Makeup Artist Assistant | Doris Zheng / Backstage
A&R Managers | DJ bo / WL46

—Shanghai Unit—
Director | Dill
Producer | SK
Director of Photography | Vann Lee
Production Assistant | Qiuyang Guo / Yao Yan / Chengqiang Wu / Psr

—Special Thanks—
Charlene Yang, Chunplace / Hotel Indigo Taipei North
Alchelight
Laticia Fan, f/Lash Productions
Bar Rouge Shanghai


-----------------------------------------------------------

LYRICS:
《INTRO》
BLOW:
yeh bless it
i dont wanna fuck unless she nasty
yeh bring her bestie
ima hit em both if she let me enh
太热需要pepsi enh
不能说太多thats it enh
cant test me enh

《Verse 1》
SHADOW PROJECT:
[Ye!!ow]
(What’s your color)
聽到我的聲音腦袋快開機
四面楚歌快點充滿你的 Energy
看到影子低空掠過正在飆的戰鬥機
要我飛的更高需要看到更多 Enemy
(that’s cool)
不停的轟炸雷達warning
下一個舞台我把眼光放在國際
SP we gang gang繼續追我倒影
飆高速列車 Skrr Skrr Skrr Skrr
Ya u Better go get em

[Paper Jim]
(Counting Papers)
Go get them
風格唯一我們前面沒有別人
說一就是一 二就是二
付錢看表演我是主人你們是客
Shut your mouth 不說閒話沒人嫌你吵
我有我的心魔在音樂不講禮貌
槍口一致朝外Pow we gone
Sp we gone bust it down

[Bu$Y]
你無法猜透的劇情
踏上更大的場面 No limit
不斷攀升身價不用你評比
Want me to show up 之前得要先 Pay me
Overheat and blow it up
Used to talking shit around me now we growin up
別在我兄弟面前表現得不禮貌
You can see me on the stage and we gon pull it up

BLOW:
(Can’t test me!)

《Verse 2》
XZT of 直火幫:
Verse 2, XZT玩弄你肾上腺素
直火帮名字在逐渐遍布
保守点说 中文说唱前五

他让我follow the wave
让我为资本低头 我偏不
垃圾们组成的队伍
废物到最后也只会是废物

今年是直火年 丰收的果园 我们经历过火焰般 严苛的磨炼
我进度不拖延 目光从不会放在昨天 你不懂 我看得有多远
hater们咽下了唾液
失败的对手像落叶
wordplay and flow like toys
new chiggas不停地落泪

注视King XZT不会退缩的眼睛
Get shit done 无关对错的原因
看着我兄弟们就像在点兵
SFG a dragon 我就像在点睛

Life’s a battle 我拳头在变硬
没去过ghetto 但我一字千金
做你的idol 我拍我的电影
当我开口 你问我要签名

BLOW:
当我开口你问我要签名
风格鲜明
下雨天晴 当我工作你喝到天明
slow down i got my style i got my shit
花招 thats not shit
拔我插销我对你发泄
像花椒加上hot suace
让你流汗或者pass out
我看灯光都是线条
still link the the gang像链条⛓️
不是儿童歌 heheh
不是儿童歌这是rap yo
那些坏料总是带笑
listen up 为你害臊
我需要一些good friends不在背后talk shit
需要一些mula像十月份的落叶
需要一些real one不用一直攻受
还需要个bad chick 但我已经拥有

《Outro》
BLOW:
weird 电闪
im black like batman
看上海City慢慢变暗
让我干掉他们就像吃便饭
switch switch 看我一直变换
mfk 2 face that one
riding around the city my shiton top
cuz im walk 看他们只是talk

-----------------------------------------------------------

Follow KING CHAIN
http://facebook.com/kingchainmusic
http://instagram.com/kingchainmusic
http://soundcloud.com/kingchainmusic
http://twitter.com/kingchainmusic

Follow 影子計畫 Shadow Project
http://facebook.com/shadowunlock
http://instagram.com/shadow__project__/

Follow Blow Fever
http://facebook.com/blowfever
https://www.instagram.com/blowfever/
https://www.youtube.com/channel/UCAHzdOH5p7kh9FYnR-xXbiA

Follow 直火幫 XZT
http://instagram.com/sfgxzt
https://www.youtube.com/channel/UCpavtVoUxKSOg7C7HYc6A2A
https://weibo.com/u/2140141403

Follow Mercy Creatives
http://facebook.com/mercycreatives
http://instagram.com/mercycreatives

#KINGCHAIN #BlowFever #ShadowProject #XZT

Official video by KING CHAIN ft. Blow Fever, Shadow Project & XZT - NOT A CYPHER © 2021 NIGHT SHFT / EMPIRE / KINGCHAIN

「你是讓我無所不能的存在
你是讓我再毋所畏懼的理由」

Little Love
Music by Robynn Yip
Lyrics by Robynn Yip
Produced, Arranged by T-Ma
Mixed by John Benedict Pereira
Edited by Keeju Lee, T-Ma
Mastered by Ted Jensen @ Sterling Sound

眨眼間， 今年也不知不覺推出了四首很有意義的作品。四首歌，描述著人生四個轉捩點。 感激今年2020年所有支持著我的音樂路的每一位， 包括家人、朋友、fans、幫忙推廣的朋友和媒體朋友們。 再一次感激今年的監製 T-Ma 和他的團隊和 今年的MV導演張蚊的團隊上下所有人。推廣的朋友們包括 Jennings, Red Cat 和 Connie， 讓我的腦袋中的小世界可以繼續發光發亮。沒有任何的計算， 沒有任何商業的包裝， 只是想把我的近況和最真實的感受放進歌裡讓大家感受。
這一次也希望特別感激兩位很有天賦的藝術家， 小萊 siu loy 和 Iv 去參與這個這麼有美術感的MV。


Artist 自我簡介：
Iv Chan 陳子雯嘗試透過雕塑和裝置等藝術形式，圍繞肉身肢體等迷思進行創作。她針
對命題衍生的疑惑，自不同角度加以剖析、反省、聲討與揭示；過程中凸顯俗世的原
罪+愧疚，如何通過內省思維續一淨化，更將此中牽涉的神話、宗教、地域、傳統和禁
忌，默默地制約過群眾/ 生態如實反映⋯⋯ 於創新深處，作者刻意擅用不同物料轉化藉
以達成暗示和鋪陳，讓視覺原素提升至形而上的探索。

小萊 siu loy： 2017年於理工大學傳意設計系畢業。畢業後從事與插畫相關的工作至今。個人創作的作品題材主要圍繞一個個自我創造的架空世界。


Day by day I slowly came to believe
All the way from outer space you chose me
And now nothing else feels just as true
As compared to falling for you babe

They all say I'm gonna miss how this feels
Somersaults punches and kicks all too real
All the headaches and emotions
but you’re growin' and you’re growin’ on me

Can’t deny
That you’re changing me from the inside
Like the clock
That I can’t unwind But I don’t mind I don’t mind

Little love
You give me a reason to do anything
You give me a reason to not fear or hate
Overthink it or calculate
Even when you keep me awake
Oh
Oh
Little love

Never thought this woulda come all so soon
Still don’t know when timing comes how I’d do
But I already cannot imagine my life living without you

Vivid dreams
They creep into the night all the damn time
I realize
It's because you’re always on my mind
On my mind
Little love
You give me a reason to do anything
You give me a reason to not fear or hate
Overthink it or calculate
For you I’ll learn to be brave

Little love
You give me a reason to try everything
You give me a reason to take on the pain
Overcome it and be amazed
Even when you keep me awake

I’ll be there
For the first steps you take
The first words you say

I’ll be there
For the first sights you see
and holding you in my arms as you sleep

But little love
You give me a reason to patiently wait
Witnessing every step of the way
No matter what you face
Oh you can be brave

Little love
You give me a chance to see what I’m made of
A chance to see the world through your eyes and your touch
How simple joys are enough
The simple joys as you grow up
Oh
Oh
My little love


Instagram @robynnyip
Youtube @Robynn Yip
Facebook http:/www.facebook.com/RobynnYip

แต้มบุญเราสองคนเกือบหมดแล้ว ได้แจมกับเจ้นุ้ย (The Peach Band)
พี่นุ้ยเก่งมากกกกกกกกกและบังเทิงสุดๆ ดีใจที่ได้ทำอะไรสนุกๆกันนะคะ

เจ้นุ้ย
IG: @nuiwiriyapa
youtube: https://www.youtube.com/user/Wiriyapa

Ging
IG: @gingmuanpair

INK
IG: @sasirattmusic
youtube:https://www.youtube.com/channel/UCbkLuvD1GV2yLvTQxnc7KgA

For Work
086-989-2324 พี่ตาล

Can't we just talk?
Can't we just talk?
Talk about where we're goin'
Before we get lost
Let me out first
Can't get what we want without knowin'
I've never felt like this before
I apologize if I'm movin' too far
Can't we just talk?
Can't we just talk?
Figure out where we're growin'
Yeah
Started off right
I can see it in your eyes
I can tell that you're wantin' more
What's been on your mind?
There's no reason we should hide
Tell me somethin' I ain't heard before
Oh, I've been dreamin' 'bout it
And it's you I'm on
So stop thinkin' 'bout it
Can't we just talk?
Can't we just talk?
Talk about where we're goin'
Before we get lost
Let me out first (yeah)
Can't get what we want without knowin' (no)
I've never felt like this before
I apologize if I'm movin' too far
Can't we just talk?
Can't we just talk?
Figure out where we're growin'
Penthouse view, left some flowers in the room
I'll make sure I leave the door unlocked
Now I'm on the way, swear I won't be late
I'll be there by five o'clock
Oh, you've been dreamin' 'bout it
And I'm what you want
So stop thinkin' 'bout it
Can't we just talk? (Oh)
Can't we just talk? (Na)
Talk about where we're goin' (na na oh)
Before we get lost
Let me out first
Can't get what we want without knowin' (na)
I've never felt like this before
I apologize if I'm movin' too far
Can't we just talk? (Ooh!)
Can't we just talk?
Figure out where we're growin'