我常常在看企業大樓裡的施工細節，有時候碎唸多了，朋友大概也覺得我挺煩的。
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看到這個影片時，我想起一個朋友跟我說的故事。
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有一次經過某大學外面時，那邊的紅磚道有一大堆雨後積水。朋友看了幾眼，說：「這邊工程原本是他家要接的，後來有其他廠商用更低的價格搶走，他家也沒缺這個工程，現在看這水積成這個樣子。或許過沒多久又要打掉重鋪了。」
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我請他多說幾句。
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他的意思是說，鋪人行磚道下頭「當然」要留排水系統。問題是這些系統看不到，但成本上必需要反映出來。否則雨天時，水流不到排水系統裡，就會影響行人的移動。
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但是 ... 「像你 (指我啦)，大概都覺得紅磚道能不能排水要看運氣吧？事實上，在比較低的地方要把排水做好，這是工程端評估的工作呀！」
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後來我慢慢學習，有很多問題早就有非常科學嚴謹的作法。只是不一定會被接受採用。

How ti Install Composite Pavers 😯😯
Credit👉 AZEK Exteriors https://www.instagram.com/azekexteriors/

川普雖狂，也是講道理的、重程序的。突然宣佈懲罰性關稅制裁中國，原因是習近平對談好的協議在最後出爾反爾，因為要保住他的小熊面子⋯⋯

這種國家連跟美國談判都敢翻臉不認，台灣人還在信中國國民黨徒大力鼓吹的和平協議？醒醒吧！

彭博記者Jenny Leonard帶頭把川普突然加關稅的脈絡寫出來了，基本上就是中方答應好的事突然又在這一回合出爾反爾，主要是將結束不公平技術轉移的條件形之於中國法律、並寫入談判結果中(以可以定期考核)。

結合南華早報江澤民派的爆料，這一條的出爾反爾是習大大欽點的，「習大大說這條不準放，責任我習某人全負」，劉鶴只能硬著頭皮回報他的談判對口萊特希澤。萊特希澤立刻回報給川普，華盛頓鷹派全氣pupu炸了鍋，畢竟這一條是之前雙方談判多次的重要合意結果，結果中方又繼續搞翻臉不認帳加上中国太極拳……

於是川普就決定立刻再加一批關稅，清楚傳達他的意思給習大大參考一下。

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Trump Threatened Tariffs After Hearing of Chinese Reversal, Sources Say

Donald Trump’s top trade negotiator told him that Beijing was back-tracking on a trade deal following a round of talks last week, angering the president and leading him to threaten on Sunday to raise tariffs on Chinese goods, according to people familiar with the matter.

In talks last week in Beijing, Chinese officials told their U.S. counterparts they would not agree to a trade deal that required changes to Chinese law, the people said. China had previously agreed to change its laws in the text of the deal, they said.

The change has major implications for provisions of the deal aimed at ending a Chinese practice of forcing U.S. companies seeking to do business in the country to reveal proprietary technologies and other intellectual property.

The U.S. side, led by Trade Representative Robert Lighthizer, thought that issues around what’s known as forced technology transfer were resolved and considered the Chinese position on changing its laws to be an attempt to renegotiate, the people said. Lighthizer was angered by the move and briefed Trump.

The president then issued a pair of tweets on Sunday criticizing China and threatening to raise tariffs on about $200 billion in goods to 25 percent from 10 percent.

The people familiar with the matter asked not to be identified because the China trade talks are sensitive and have been conducted in secrecy. But official readouts last week from the U.S. and Chinese governments that depicted the latest round of talks in Beijing as productive were overstated, the people said.
Trump’s trade negotiators weren’t particularly surprised by his tweets, the people said. The White House didn’t immediately comment.

A new round of trade talks are expected this week in Washington, but it is unclear whether the Chinese government will send top officials following Trump’s tweets. A Chinese foreign ministry spokesman said on Monday that a delegation would still travel to Washington but would not say when.

Global equities tumbled and Treasury futures climbed following the tweets, which set back investor confidence the U.S. and China would soon resolve their trade war.

The S&P 500 Index fell as much as 1.6 percent on Monday before paring losses. The tweets did considerably more damage in China, where the Shanghai Composite Index sunk 5.6 percent on Monday for its steepest drop in three years, even after state-backed funds were said to step in to cushion the blow.

— With assistance by Shawn Donnan, and Jeremy Herron

(Updates with trade team unsurprised by tweets in seventh paragraph.)

感謝建中泓睿同學之前貢獻的「經濟大餐」，現在送上「財務金融大餐」😉😉
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📊 睿哥+俐媽英文教室：
💵 finance 金融
💵 FinTech (finance technology) 金融科技
💵 microcredit 微型貸款(micro-: small)
💵 bull market 多頭市場(牛市）🐂
💵 bear market 空頭市場(熊市）🐻
💵 financial leverage 財務槓桿(企業對舉債與自有資金比例之運用）
💵 floating interest rate 浮動利率
💵 futures market 期貨市場
💵 subprime mortgage market 次級房貸危機(2007美國房價下跌，次級貸款大量違約，導致住房抵押貸款證券失去價值，使多家金融機構資本蒸發，造成世界各地緊縮信貸，進而導致2008世界金融海嘯）(❗️mortgage的t不發音哦）
💵 money laundering 洗錢(❗️不能用washing the money，會崩潰唷😂😂)
💵 pink sheet 粉紅單(未上市股票）
💵 penny stock 仙股(股價低於1美元）
💵 short sale 賣空(是指投資者當股票價格看跌時，借入該股票拋出，待該股價格下落時，再以低價買進股票歸還經紀人，從而賺取中間差價)
💵 stock loan 融券
💵 capital 資本額(cap-: head, take)
💵 expenditure 支出
💵 bond 債券
💵 balance sheet 資產負債表
💵 bargain 交易(專指股市交易)
💵 stop loss limit 停損點(設定虧損出場時機)
💵 broker 證券經紀人；掮客
💵 credit rating 信用評等(❗️記得複習英模的credit一字多義大餐💳)
💵 EPS (earnings per share) 每股盈餘
💵 IPO (initial public offering) 首次發行股票
💵 PER (price earning ratio) 本益比(股價除以EPS)
💵 PLC (public limited company) 公開發行公司
💵 net income 稅後淨利(❗️這裡的net可不是網子唷～)
💵 gross revenue 營收毛額(❗️gross在此也不表噁心🤮的意思)
💵 net revenue 營收淨額(-ven: come)
💵 default fine 違約金
💵 dividend 股利；股息(divide v. 分割)
💵 margin call 追加保證金通知
💵 blue chip 藍籌股(知名公司股票通稱)
💵 capital reduction 減資
💵 cash capital increase 增資
💵 closing price 收盤價
💵 equities 股本
💵 nominee 代理人(nomi-: name)
💵 investment bank 投資銀行
💵 insurance company 保險公司
💵 management consulting company 管理顧問公司
💵 holding company 控股公司
💵 trust corporation 信託公司
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著名金融機構：
🏦 Goldman Sachs 高盛
🏦 Morgan Stanley 摩根士丹利
🏦 J.P.Morgan 摩根大通
🏦 Citigroup 花旗集團
🏦 Bank of America Merrill Lynch 美銀美林
🏦 Deutsche Bank 德意志銀行
🏦 Credit Suisse 瑞士信貸
🏦 UBS 瑞銀
🏦 HSBC 匯豐
🏦 McKinsey & Company 麥肯錫
🏦 Nomura Securities 野村證券
🏦 The federal reserves system 非正式簡稱：Fed美聯儲
🏦 NYSE 紐約證交所
🏦 NASDAQ composite index 納斯達克綜合指數
🏦 Dow Jones industrial average index道瓊工業平均指數
🏦 S&P 500 index 標準普爾500指數
🏦 commerce (n.) 商業(commercial a. 商業的)
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有你們這些專才的幫助，俐媽出餐真的輕鬆很多！💷💶💴💵💳💰
俐媽真的不擅長投資😭💸......
以後投資理財也要靠你們了，感謝🙏🏼😄
#finance #stockmarket #investment #mortgage #謝謝泓睿 #俐媽英文教室徵稿中 #快tag對財務金融有興趣的朋友吧