人生就是
一連串機會成本的決斷！

財務規劃就是
為你自己或系統出錯時，
預先做好減緩衝擊的準備。

塔雷伯說，自然系統以備餘預防風險。
翻譯成白話文就是，永遠要準備足夠多的現金在手上！

現金是最好的選擇權。

許多人低估現金的價值。

現金可以讓你
不用忍受不想過的生活，
拒絕不想要的選項。
讓你在市場上的
高品質資產打折時便宜買進，
過好自己真正想過的生活。

只要你預先準備好生活所需的金額(兩年到五年，端視能在金融市場持有的商品部位多寡，以及眼下自己創造主動收入的能力)，不追求沒有必要的報酬而承擔過多沒有必要的風險，準備好能夠處理好自己犯錯時可能會造成的後果的資金，你就能從中體會到真正的自由自在。

財務規劃主題讀書會 10.3台北
https://zen1976.com/financial-plan/
有智慧的人會根據機會成本進行決策
https://zen1976.com/opportunity-cost-2/

【I think I’m good enough to get a promotion.】
連假後第一天工作日，來聊聊升遷小故事
升不上去到底哪裡出了錯？

以下為 Sonny 老師第一視角撰寫
Sonny老師的翻譯&教學札記
（故事經歷已經當事人同意後分享）

-

你知道英文寫作的好壞
可能影響你的職涯甚至人生嗎？

去年有位中階主管來找我求救
他在公司的績效很不錯
工作態度積極、待人客氣和善
但申請了很多次升遷或外派
都屢屢碰壁
他說高階主管全是英語人士
懷疑自己的溝通是不是出了問題

我聽完馬上就跟他說：
可以借我看看你寫的 e-mail 嗎？
不看則已，一看差點昏去（台語）
申請升遷的那篇 e-mail 破綻百出
而且 1️⃣ 第一句就有很大的問題：
I think I’m good enough to get a promotion.

除了信件沒有適當的開頭之外
怎麼會用這麼直接的語氣「要求」升遷呢？
於是我開始跟他講解正式信件
寫作時的原則和概念
請他盡量使用：
This letter is to request a promotion from my current role of ______ to the open role of ______. 這樣的句型和語氣

2️⃣ 第二個比較大的問題
是他雖然有良好的績效和表現
卻沒有具體、量化地描述出來
只寫了：
My excellent performance has increased sales since 2018.

於是我建議他改成：
During the past three years, I have boosted product sales by 12%, trained 15 junior employees, and saved departmental cost by 10%.
用「平行結構」(parallelism) 的方式
把自己成就的細節一一描述出來

3️⃣ 最後，他的信件用 Best 來結尾
稍嫌不夠正式
我建議他改成 Sincerely
向他講解完所有信件細節後
我請他下一封 promotion request 就這樣寫
然後祝他好運

就在上週
我收到了他的感謝信
說成功拿到了外派美國的高階職位
負責面試的主管還跟他說
他的 e-mail 寫得很不錯
這讓我覺得非常開心

果然不好的寫作就像一塊 #絆腳石
好的寫作卻像一塊 #敲門磚
可以幫你開啟無限的機會

-

Sonny 老師是台灣浩首席筆譯老師
7 年來，我一路看著老師
如何投入研發心力
打造台灣同學的優質英文寫作課程

老師最近和 Hahow 好學校
合作了「寫作學習計畫」
讓同學到 10/16 23:59 前
都能享 85 折優惠價格
真心大推給想學好英文寫作的你：
https://hahow.in/cr/sonny-eng-writing2

#email真的很重要
#聽說筆譯班的大家都被噹過一波🤫
#不斷注意細節是進步的關鍵

最近，我在「TIME時代」雜志的專欄文章裡，向全球的讀者介紹了大陸「世界工廠」的+AI自動化升級。隨著勞動力成本的上漲，工業自動化、智慧化勢必是大陸製造業的一劑特效藥。自動化能讓運營成本下降，但仍能讓中國大陸保持生產品質、流程、供應鏈維度的優勢。AI賦能產業升級的願景或許還需多年才能實現，但當下的大陸已經讓未來可期。

以下是專欄文章全文，經TIME授權翻譯轉載：

「中國世界工廠 + AI 的未來」

多年來，中國大陸一直被喻為「世界工廠」，即便在全球其他經濟體紛紛遭遇新冠疫情重擊的2020年，大陸製造產業仍然維持穩健的增長范式，全年產值高達3.854萬億美元，占到全球市場近三分之一。

但如果你腦中的大陸工廠是傳統的「血汗工廠」，是時候修正你的刻板印象了。大陸經濟已經迅速地從疫情衝擊下復蘇，疫情同時催化了各種各樣人工智慧（AI）的應用場景加速實現。自2014年以來，中國大陸的AI專利申請量已經超越美國，至今維持全球領先。在學術領域，中國大陸的AI研究論文發表數量、AI期刊的引用量，也雙雙在近年超過了美國。在產業方面，AI應用在大陸的落地速度超越世界其他國家和地區，具有商業價值的AI應用如今開始百花齊放，整合了軟體、硬體和機器人技術的新一代自動化揭開序曲，AI賦能傳統行業的能量，正在蓄勢待發地重塑各行各業。

人類社會至今經歷了三次不同的工業革命：蒸汽革命、電力革命和資訊革命。我相信，AI將會是推動全球第四次工業革命的核心引擎，在世界各地點燃數位化和自動化的變革，而這波前所未有的硬科技浪潮，將由中國來引領實踐。

由於勞動人口減少和新增人口放緩，中國大陸的傳統產業正面臨著勞動力成本上升的巨大壓力，AI正是解決這個難題的技術解答。人工智慧不僅能夠降低運營成本，提高生產效率，擴大整體產能，還有望能帶來收入的增長。

例如，創新工場投資的廣州極飛科技是一家致力於未來農業的AI科技公司，極飛將無人機、機器人和感測器部署在稻田、麥田和棉花田裡，用技術賦能農業中的播種、農藥噴灑、栽種管理、甚至天氣監測環節。用於作物噴灑的極飛科技R150農業無人車已經被推廣到了英國，應用在蘋果、草莓、黑莓等多種經濟作物的種植流程中。

一些大陸的創新公司正積極把機器人拓展到意想不到的場景。總部位於北京的鎂伽是創新工場投資的生命科學智慧自動化公司，他們和實驗室、製藥公司、高校合作，憑藉AI+機器人技術的積累，用自動化解決方案執行實驗室中勞動密集、重複性高、但需要高度精確的任務和流程，同時機器人作業也將盡最大可能保護實驗室人員降低實驗過程中的感染風險。

除了創業公司，我們看到幾家成熟的龍頭企業也開始積極擁抱AI。創新工場參與了有28年歷史的中力電動叉車，這家頭部的鋰電叉車製造商已經推出了能夠在工廠、倉庫自主運行的無人叉車，並且無需對運行環境進行改造，能快速實現從手動到電動到自動駕駛的搬運賦能創新。此外，擁有50多年歷史的領先客車製造商-宇通集團，與自動駕駛獨角獸企業-文遠知行戰略合作，已在大陸三個城市的馬路上運行全無人駕駛小巴。

接著會發生什麼？我大膽預見，在更長遠的未來，機器人和AI將接管大多數產品的製造、設計、交付甚至營銷——很可能將生產成本降低到和原物料成本相差無幾。未來的機器人有能力自我複製和自我修復，甚至做到部分自我反覆運算設計。房屋和公寓將交由AI主導設計，使用預製建築模塊，交由機器人像搭積木似地築樓蓋房。無人公交、無人摩托等隨傳隨到的自動化未來交通系統，能將我們安全無虞地送達想去的地方。

這些願景成為現實或許還需要多年，但此時的大陸正在積極鋪墊引領新一代自動化革命的基石。可期的是，中國工廠的實力將不僅僅體現在產能上，而將逐步彰顯在智慧上。

本文經「TIME時代」授權進行中文編譯，原文如下：

China Is Still the World's Factory — And It's Designing the Future With AI

BY KAI-FU LEE

For many years now, China has been the world’s factory. Even in 2020, as other economies struggled with the effects of the pandemic, China’s manufacturing output was $3.854 trillion, up from the previous year, accounting for nearly a third of the global market.

But if you are still thinking of China’s factories as sweatshops, it’s probably time to change your perception. The Chinese economic recovery from its short-lived pandemic blip has been boosted by its world-beating adoption of artificial intelligence (AI). After overtaking the U.S. in 2014, China now has a significant lead over the rest of the world in AI patent applications. In academia, China recently surpassed the U.S. in the number of both AI research publications and journal citations. Commercial applications are flourishing: a new wave of automation and AI infusion is crashing across a swath of sectors, combining software, hardware and robotics.

As a society, we have experienced three distinct industrial revolutions: steam power, electricity and information technology. I believe AI is the engine fueling the fourth industrial revolution globally, digitizing and automating everywhere. China is at the forefront in manifesting this unprecedented change.

Chinese traditional industries are confronting rising labor costs thanks to a declining working population and slowing population growth. The answer is AI, which reduces operational costs, enhances efficiency and productivity, and generates revenue growth.

For example, Guangzhou-based agricultural-technology company XAG, a Sinovation Ventures portfolio company, is sending drones, robots and sensors to rice, wheat and cotton fields, automating seeding, pesticide spraying, crop development and weather monitoring. XAG’s R150 autonomous vehicle, which sprays crops, has recently been deployed in the U.K. to be used on apples, strawberries and blackberries.

Some companies are rolling out robots in new and unexpected sectors. MegaRobo, a Beijing-based life-science automation company also backed by Sinovation Ventures, designs AI and robots to safely perform repetitive and precise laboratory work in universities, pharmaceutical companies and more, reducing to zero the infection risk to lab workers.

It’s not just startups; established market leaders are also leaning into AI. EP Equipment, a manufacturer of lithium-powered warehouse forklifts founded in Hangzhou 28 years ago, has with Sinovation Ventures’ backing launched autonomous models that are able to maneuver themselves in factories and on warehouse floors. Additionally Yutong Group, a leading bus manufacturer with over 50 years’ history, already has a driverless Mini Robobus on the streets of three cities in partnership with autonomous vehicle unicorn WeRide.

Where is all this headed? I can foresee a time when robots and AI will take over the manufacturing, design, delivery and even marketing of most goods—potentially reducing costs to a small increment over the cost of materials. Robots will become self-replicating, self-repairing and even partially self-designing. Houses and apartment buildings will be designed by AI and use prefabricated modules that robots put together like toy blocks. And just-in-time autonomous public transportation, from robo-buses to robo-scooters, will take us anywhere we want to go.

It will be years before these visions of the future enter the mainstream. But China is laying the groundwork right now, setting itself up to be a leader not only in how much it manufactures, but also in how intelligently it does it.

Source：https://time.com/6084158/china-ai-factory-future/

Toxik & lilKrake - Run All Night | 徹夜狂奔 Track. 08
(CC English w/ Translation / 中英雙向翻譯字幕)

《4loating Dream》 Stream/Download (數位線上聽) :
​https://www.soundscape.net/a/14041

Almost about to quit this 不想就這樣浪費一生
受不了 厭倦那些過程 But I know it's my only mission
心中的火焰還沒熄滅，還有力氣再去全力衝刺一會。
Run All Night，不停狂奔。

Follow EVERYTHING ON @lilkrake / @toxicityishigh / @banana_kingdom105​

Banana Kingdom is an independent studio of lilKrake, a zero-cost music producer from Taiwan, completed the first official Mixtape - "4loating Dream" with his team partner Toxik.
All the songs are recorded and mixed independently by lilKrake, with the help of several domestic and foreign Beat Makers, and the mixtape cover drawn by a friend, successfully completed this almost zero budget project.
In "4loating Dream", these nine songs use melodic rap and Emo style to express the emotions and thoughts of the two artists' experiences and mental illnesses. Starting from "Fading Out", nine songs will take you into a gloomy world.
-​
Banana Kingdom 香蕉王國 為 lilKrake小章章 的個人獨立工作室，來自台灣的零花費音樂全製作主理人，與團隊夥伴 Toxik 共同完成了首張正式的 Mixtape - "4loating Dream"，所有歌曲的錄音混音皆由 lilKrake小章章 獨立完成，加上幾位國內外 Beat Makers 的協助及朋友所繪製的封面，用貼近零成本的方式製作完成。​
"4loating Dream" 中的9首歌曲以旋律饒舌及Emo的方式，饒唱出了兩人一生中因各種經歷、及精神上相關疾病所產生的各種情緒及想法。以 "Fading Out" 為此系列的開端，九首歌將帶你進入一整個陰鬱氛圍的世界。​
​
詞 & 曲 | Lyrics & Composed by lilKrake小章章 & Toxik
錄音 | Recorded by lilKrake小章章
混音 | Mixed by lilKrake小章章 @lilkrake
母帶 | Mastered by lilKrake小章章
圖文設計 | Art Design by lilKrake小章章​
封面繪製 | Cover Painted by Ilya Galayda @the_magnetic_cat​
編曲 | Beat produced by Txxzy, Jasen @tommyjane_

.Asia Taiwan.
#RunAllNight #Toxik​ #lilKrake小章章

Instagram: @lilkrake
(https://instagram.com/lilkrake)
Instagram: @toxicityishigh
(https://www.instagram.com/toxicityishigh/)
Instagram: @banana_kingdom105
(https://www.instagram.com/banana_kingdom105/)
Youtube: lilKrake小章章
(https://www.youtube.com/channel/UCdQb0dUDEk9T3BlFAtNTQrA?view_as=subscriber)
Youtube: Toxik
(https://www.youtube.com/user/alexhahaful)
Facebook: LilKrake小章章 @LILkrakeNW
(https://www.facebook.com/LILkrakeNW)

Toxik - To Life | 致人生 Track. 06
(CC English w/ Translation / 中英雙向翻譯字幕)

《4loating Dream》 Stream/Download (數位線上聽) :
​https://www.soundscape.net/a/14041

I cried for her and she never gave a single fuck about it.
I hope she die alone cuz that's the shit she keeps telling me.
我為她哭泣她卻從不在意。我希望她獨自死掉，因為這就是她以前對我所說過的話。

Follow EVERYTHING ON @lilkrake / @toxicityishigh / @banana_kingdom105​

Banana Kingdom is an independent studio of lilKrake, a zero-cost music producer from Taiwan, completed the first official Mixtape - "4loating Dream" with his team partner Toxik.
All the songs are recorded and mixed independently by lilKrake, with the help of several domestic and foreign Beat Makers, and the mixtape cover drawn by a friend, successfully completed this almost zero budget project.
In "4loating Dream", these nine songs use melodic rap and Emo style to express the emotions and thoughts of the two artists' experiences and mental illnesses. Starting from "Fading Out", nine songs will take you into a gloomy world.
-​
Banana Kingdom 香蕉王國 為 lilKrake小章章 的個人獨立工作室，來自台灣的零花費音樂全製作主理人，與團隊夥伴 Toxik 共同完成了首張正式的 Mixtape - "4loating Dream"，所有歌曲的錄音混音皆由 lilKrake小章章 獨立完成，加上幾位國內外 Beat Makers 的協助及朋友所繪製的封面，用貼近零成本的方式製作完成。​
"4loating Dream" 中的9首歌曲以旋律饒舌及Emo的方式，饒唱出了兩人一生中因各種經歷、及精神上相關疾病所產生的各種情緒及想法。以 "Fading Out" 為此系列的開端，九首歌將帶你進入一整個陰鬱氛圍的世界。​
​
詞 & 曲 | Lyrics & Composed by Toxik
錄音 | Recorded by lilKrake小章章
混音 | Mixed by lilKrake小章章 @lilkrake
母帶 | Mastered by lilKrake小章章
圖文設計 | Art Design by lilKrake小章章​
封面繪製 | Cover Painted by Ilya Galayda @the_magnetic_cat​
編曲 | Beat produced by NextLane @nextlanebeats

.Asia Taiwan.
#ToLife #Toxik​ #lilKrake小章章

Instagram: @lilkrake
(https://instagram.com/lilkrake)
Instagram: @toxicityishigh
(https://www.instagram.com/toxicityishigh/)
Instagram: @banana_kingdom105
(https://www.instagram.com/banana_kingdom105/)
Youtube: lilKrake小章章
(https://www.youtube.com/channel/UCdQb0dUDEk9T3BlFAtNTQrA?view_as=subscriber)
Youtube: Toxik
(https://www.youtube.com/user/alexhahaful)
Facebook: LilKrake小章章 @LILkrakeNW
(https://www.facebook.com/LILkrakeNW)

Toxik & lilKrake - Wait a Minute | 等一下 Track. 04
(CC English w/ Translation / 中英雙向翻譯字幕)

《4loating Dream》 Stream/Download (數位線上聽) :
​https://www.soundscape.net/a/14041

Thinking about my past mistakes, afraid that I'll fuck up the same way.
Never said I'm ready, wait a minute.
別一直督促我、別一直煩我、別再用現實與長大逼迫我......先等一下吧。

Follow EVERYTHING ON @lilkrake / @toxicityishigh / @banana_kingdom105​

Banana Kingdom is an independent studio of lilKrake, a zero-cost music producer from Taiwan, completed the first official Mixtape - "4loating Dream" with his team partner Toxik.
All the songs are recorded and mixed independently by lilKrake, with the help of several domestic and foreign Beat Makers, and the mixtape cover drawn by a friend, successfully completed this almost zero budget project.
In "4loating Dream", these nine songs use melodic rap and Emo style to express the emotions and thoughts of the two artists' experiences and mental illnesses. Starting from "Fading Out", nine songs will take you into a gloomy world.
-​
Banana Kingdom 香蕉王國 為 lilKrake小章章 的個人獨立工作室，來自台灣的零花費音樂全製作主理人，與團隊夥伴 Toxik 共同完成了首張正式的 Mixtape - "4loating Dream"，所有歌曲的錄音混音皆由 lilKrake小章章 獨立完成，加上幾位國內外 Beat Makers 的協助及朋友所繪製的封面，用貼近零成本的方式製作完成。​
"4loating Dream" 中的9首歌曲以旋律饒舌及Emo的方式，饒唱出了兩人一生中因各種經歷、及精神上相關疾病所產生的各種情緒及想法。以 "Fading Out" 為此系列的開端，九首歌將帶你進入一整個陰鬱氛圍的世界。​
​
詞 & 曲 | Lyrics & Composed by lilKrake小章章 & Toxik
錄音 | Recorded by lilKrake小章章
混音 | Mixed by lilKrake小章章 @lilkrake
母帶 | Mastered by lilKrake小章章
圖文設計 | Art Design by lilKrake小章章​
封面繪製 | Cover Painted by Ilya Galayda @the_magnetic_cat​
編曲 | Beat produced by RYL @rylonthebeat

.Asia Taiwan.
#WaitAMinute #Toxik​ #lilKrake小章章

Instagram: @lilkrake
(https://instagram.com/lilkrake)
Instagram: @toxicityishigh
(https://www.instagram.com/toxicityishigh/)
Instagram: @banana_kingdom105
(https://www.instagram.com/banana_kingdom105/)
Youtube: lilKrake小章章
(https://www.youtube.com/channel/UCdQb0dUDEk9T3BlFAtNTQrA?view_as=subscriber)
Youtube: Toxik
(https://www.youtube.com/user/alexhahaful)
Facebook: LilKrake小章章 @LILkrakeNW
(https://www.facebook.com/LILkrakeNW)