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現在的人有太多選擇了 例如我曾經看過一張照片要用不同相機App拍一張照片要用不同修圖軟體修一張照片要用不同社群媒體發再進步的時代 我們在選擇上花的時間 能夠讓你燃燒多少卡路里？能夠讓你到外面吸收多少維他命D ？但總有工作太忙沒時間運動的藉口防疫期間 看見越來越不想動的人們 一天有24小時 如果你不好好管理它 那麽你將失去的是你自己喔 🤍-In this journal we have too many choices, spend too much time to choose . For example I saw ppl A photo needs to be taken with a different camera appsA photo needs to be edited with different photo editing apps A photo needs to be posted on different social mediaDuring those choices How many calories can you burn?How much vitamin D can you absorb outside?But there are always excuses for being too busy at work and not having time to exercise.During the epidemic prevention period, I saw people who don’t want to move at all . There are 24 hours a day. If you don’t manage it well, you will lose yourself my dear 🤍-這張照片我只用美圖秀秀修不到十分鐘然後我會發在IG/粉專直接複製貼上整個過程不到20分鐘其餘時間可以安排對自己有效益的事沒有做不完的事 只有學習不完的事 .今天禮拜五 希望你能在放假前把事情做完讓自己有個美好的週末 療癒自己 🖤

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journal example 在 Angela 步步 Facebook 的最讚貼文

By Angela 步步

2021-08-27 14:56:48 有 147 人按讚

現在的人有太多選擇了例如我曾經看過
一張照片要用不同相機App拍
一張照片要用不同修圖軟體修
一張照片要用不同社群媒體發
再進步的時代我們在選擇上花的時間
能夠讓你燃燒多少卡路里？
能夠讓你到外面吸收多少維他命D ？
但總有工作太忙沒時間運動的藉口
防疫期間看見越來越不想動的人們
一天有24小時如果你不好好管理它那麽你將失去的是你自己喔 🤍
-
In this journal we have too many choices, spend too much time to choose . For example I saw ppl
A photo needs to be taken with a different camera apps
A photo needs to be edited with different photo editing apps
A photo needs to be posted on different social media
During those choices
How many calories can you burn?
How much vitamin D can you absorb outside?
But there are always excuses for being too busy at work and not having time to exercise.
During the epidemic prevention period, I saw people who don’t want to move at all .
There are 24 hours a day. If you don’t manage it well, you will lose yourself my dear 🤍
-
這張照片我只用美圖秀秀修不到十分鐘
然後我會發在IG/粉專直接複製貼上
整個過程不到20分鐘
其餘時間可以安排對自己有效益的事
沒有做不完的事只有學習不完的事 .
今天禮拜五希望你能在放假前把事情做完
讓自己有個美好的週末療癒自己 🖤

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Angela 步步

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走秀接待展場活動SG 網路平面拍攝Model 網路代言模特兒都可以找我喲！

Hello 我是步步網拍外拍商業攝影主題創作 SG Dancer 代言接待走秀都可以找我洽談合作喔 :）歡迎大家追蹤：初樂直播：精靈步步 IG：angelaorbu line:@ovo5415e

journal example 在 Facebook 的最讚貼文

2021-08-17 11:34:50 有 1,036 人按讚

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/

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journal example 在元毓 Facebook 的最佳解答

By 元毓

2021-07-03 10:56:48 有 84 人按讚

舊文重貼：

2020年7月5日 ·

【我如何運用法律與經濟學在投資決策：營業中斷保險】

2004年左右我就曾為文記錄如何從消費者保護法中的「科技抗辯（state of art）」判斷當年因止痛藥Vioxx瑕疵陷入集體訴訟法律風險、股價腰斬的默克藥廠，其實真正面臨的風險並不高，並大膽$26美元危機入市，兩年半後$50多美元陸續獲利了結。
這部份可以參考後來2018年寫得更清楚的【效率市場假說是錯誤的】一文。
這是一次靠法律專業知識的價值投資操作。
近日因Covid-19在美國失控的疫情，我們又看到新一波影響更廣的法律爭議浮出抬面：營業中斷（business interruption）。
美國各州政府的封城（lockdown）措施使得許多中小企業面臨無法營業、營收中斷、現金流鎖死的倒閉危機。原本這些中小企業購買的商業保險，幾乎都有「營業中斷條款」，此條款大概涵蓋範疇如下（以Allstate公司為例）：
1. 預期收入損失（For lost income from the destroyed merchandise (minus expenses you may have already paid, such as shipping).Your pre-loss earnings are the basis for reimbursement under business interruption coverage. Lost earnings, also known as the actual loss sustained, are typically defined as revenues minus ongoing expenses. ）
2. 額外支出（ For extra expenses if you must temporarily relocate your business because of the fire (for example, the cost of rent at the temporary location).）
然而近日上百萬家申請保險賠償的中小企業卻遭到保險公司拒付，理由是：「Covid-19疫情並未造成實質物理損失（actual physical loss）」。
什麼？賠到當內褲還叫沒有損失？這是怎麼一回事？
一、美國商業保險營業中斷（business interruption）條款法律爭議
多數保險公司紛紛於近日在各自網站上強調「實質物理損失（actual physical loss）的存在是申請保險支付的先決條件」。實質物理損失在保險公司方面的定義為：真實損害（damage）造成營業設備、不動產失去部分或全部原本功能/效用，造成商業收入損失。
換言之，目前美國保險公司的態度是 -- 病毒並未造成中小企業保戶物理上營業設備或不動產失去運作能力，病毒讓人致病又不讓機器廠房店面生病，當然不構成支付賠償金的條件。
中小企業主的立場顯然相反 -- 病毒與政府封城措施造成營業上之不可能，我當初買保險不正是為了這種不可預期之風險？沒了收入但租金、工資與各項支出依然照付，損失哪裡不真實不存在？
為何保險公司可以如此狹隘限縮解釋？這是因為此類商業保險的營業中斷條款最早源自於美國南北內戰時期，當時的商家因戰爭破壞或徵調的關係，其所擁有的商業設備或店面因此不再能持續生產失去收入，在此侷限條件下商界所應運而生的保險制度。故，美國保險法律與習慣上，對實質物理損失的看法是有歷史累積，而因循前例恰恰是普通法（common law）的核心邏輯。
可是現代世界與南北戰爭相差100多年，難道法律上都沒有可以擴張或改變的突破口？
有的，而此問題的法律突破口在一個我想台灣讀者大概都想不到的關鍵點 -- 「附著與污染」。
⟪附著與污染⟫
附著概念在1980、1990年代都已經有州法院判決提供了初步概念，但最標誌性、最多後來者引用的則是2002年康乃迪克州聯邦地方法院的⟪Yale University v. CIGNA Ins. Co.⟫一案。
此案中耶魯大學於1980年代的建築外牆塗漆後來證實含有重金屬鉛與石棉，造成第三人健康受損。耶魯大學根據產物保險條款，要求保險公司支付賠償金。保險公司稱：「塗漆又不影響建築物原本功用，不構成物理性實質損害。」拒絕賠償。
官司先在康乃迪克州州法院打，州法院也是採取與保險公司相同的限縮解釋。
但後來官司打到聯邦地方法院，聯邦地院卻採取擴張解釋：「附著」於耶魯大學建築物上的油漆，實質上「污染（contaminated）」了建築物，使其一部或全部失去了原本功用，因此構成實質物理損害。
此觀點在2009年也於⟪Essex Ins. Co. v. BloomSouth Flooring Corp.⟫案得到位於麻州的聯邦第一巡迴法院支持，認為附著於財產上的「惡臭（odor）」也是種能造成實質物理損害的汙染。
這也是為什麼目前我們看到針對Covid-19相關幾百個保險訴訟案中，最活躍的佛羅里達州律師John Houghtaling II主張：「『附著』於建築物、商業設施表面的冠狀病毒也是一種造成實質物理損害的汙染」。即便事實上多數公衛專家均指出目前科學證據顯示，Covid-19主要還是透過人傳人機制傳染，透過附著物體表面傳染案例屬於極少數特例。
因為熟悉英美法的人都知道，common law的先例是一個比較可能勝訴的框架，律師多盡量把訴之主張想辦法塞進成功框架裡，即便看起來很彆扭。要是跳脫既有框架另創新法律見解，則勝訴機率很可能大減。
但前述「附著與污染」見解並非每個法院都買單，例如紐約州州法院在2002年與2014年不同判決中都否定此擴張見解，堅持南北戰爭留下的狹義解釋。
可這就進入我們第二個重點...
二、經濟學角度切入：
各州法院之間對於營業中斷（business interruption）的法律定義不同勢必會增加各州中小企業與保險公司各自在營運上的不確定性。當然，這也會增加再保險公司的不確定性。
依據美國法架構，各州法律見解不同牽涉到跨州商務，是有高度可能最後進入聯邦最高法院以求一統一見解。然而法律訴訟程序的曠日廢時將使得中小企業不見得有足夠資金支撐到訴訟結果，但反之，希冀減少損失的保險公司們卻有相當高誘因要把戰場拖到最高法院。
從經濟學競爭（competitiveness）的概念切入，中小企業方也必將嘗試繞過既有遊戲規則，即法律程序，試圖建立有利於自己的新遊戲規則。
於是乎我們就見到美國知名四大主廚--Daniel Boulud （米其林兩顆星）, Thomas Keller（米其林三顆星）, Wolfgang Puck（米其林一顆星）以及 Jean-Georges Vongerichten（米其林三顆星）-- 結盟，並於今年3月底去電美國總統川普，要求逼迫保險公司支付停業的商業損失。
川普果然也在4月份內部會議上提出：「他知悉保險公司對多年支付保費的餐廳業者雨天收傘一事，雖然他也知道保險公司保單涵蓋範圍有限，但如果支付賠償金是公平的，則保險公司就應該支付。（... saying restaurateurs had told him they paid for business-interruption coverage for decades but now they need it and insurers don’t want to pay. He said he understood that some policies have pandemic exclusions, adding: “I would like to see the insurance companies pay if they need to pay, if it’s fair.）」
熟悉制度經濟學的朋友都知道，當「無主收入」出現時，意味著租值消散（rent dissipation），也代表著整體社會的浪費。租值消散是整個經濟學最難掌握的高級概念，許多有名的經濟學家或教授，甚至某些諾貝爾獎得主，也不見得能正確理解並掌握此概念，本文並不打算詳談，請有興趣的讀者自行參考我過去幾篇舊文。
就我所知，一般經濟學者未曾討論「準租值消散（rent dissipation on depend）」狀況 -- 在法律定義未由最高法院統一見解前，被保險人無從得知是否可以取得保險賠償金；保險人雖暫時對保費有所有權，但一旦訴訟發生依會計原則也必須劃出一部分作為賠償準備金。可是在真實世界，我們目前不存在比曠日廢時的司法或所費不貲的政治遊說（包含政治獻金/賄絡），更有效率且廣為接受的制度來安排這樣的權利衝突。
（此處on depend概念類同於英美財產法中的on depend概念，我就不岔題解釋）
這是說，從經濟分析角度看，在統一法律見解未出現前，此狀況是一種社會費用，以租值消散形式暫時存在。
這就轉到本文的第三個重點，身為證券市場投資人，怎麼看怎麼應對？
三、投資人角度
在日常法律爭議上，此類「未有最終判決前，權利範圍或收入歸屬處於未定狀態」的狀況實屬常見。換個角度說，其實這些案件多屬於個體性風險，即便在系統內會產生一定權利範圍/未來收入預期影響，可幾乎都不會構成「系統性風險」。
但此次對「營業中斷」定義爭議卻碰上歷史罕見的大規模被迫停業狀況，根據美國普查局 (United States Census Bureau)的資料顯示，截至今年5月8日，因被迫停業而申請Paycheck Protection Program (PPP)的中小企業高達360萬家，借款金額達$5370億美元。4月26日～5月2日該週資料更是超過51.4%企業受到疫情影響（見圖）。
有保險公司代表說得清楚：保險原理是基於「大數法則」，亦即平時由多數人分別出資一小部分，於個別性風險實現時支付賠償金彌補其風險。但若「近乎所有出資者的風險都實現」，保險公司根本不可能同時支付所有被保險人賠償金，這已經不是個別性風險而是系統性風險，保險公司只能宣告破產。
2008年金融風暴主因之一也是原本以為透過大數法則建立的CDOs，包裹大量不同債信的房貸債權很安全，結果不堪系統性風險實現而崩潰。
我在今年五月份【美國失業人數破2千萬為何股市上漲？再來怎麼看？】一文中特別強調我們應該多關注CLOs（Collateralized Loan Obligation）潛在違約危機，也是著眼於此類別個別性風險轉為系統性風險的可能性激增。
同樣的，前述營業中斷保險條款無論美國法院最終見解為何，都很可能發生二選一結果：「大規模中小企業因封城出現流動性枯竭引發的大規模倒閉風險」對上「保險公司支付如此大量賠償金恐陷大規模財務危機」。
即便是繞過法律程序，透過政治遊說施壓美國行政單位，依然繞不開上述兩項風險必然實現其中一種的局面。
根據富國銀行（Wells Fargo）的推估，美國目前含有營業中斷條款的保險金額約$8千億美元，其中50%透過再保險方式轉嫁。值得慶幸的是我並未查到此類保險有轉化為其他衍生性金融商品，這表示風險可能未如CDO、CLO般倍數放大。富國銀行認為美國商業保險公司應該有能力吸收$1500億左右的賠償，但根據美國普查局資料受影響商家超過5成，意味著假設$4千億索賠發生時，即便能移轉$2千億至再保險公司，依然還有約$500億的差額。
我們要特別注意的是保險公司收到保險金後必須轉為投資方能獲利，這表示當股市下挫時保險公司的資產也會跟著縮水，償付能力也會隨之下降。例如巴菲特的Berkshire Hathaway旗下保險集團於今年第一季因支付保險賠償金淨損$4.89億美元，但同時集團資產卻也記入$550億資產減損。
故，我前述二擇一風險實現時，會不會引發股市下挫傷害保險公司資產也值得注意。
另一方面，有誘因把法律戰拖到聯邦最高法院的保險公司即便此策略成功執行，流動性短缺的中小企業恐怕提早實現第一種風險，對整體經濟乃至於股市同樣不利。
身為投資人還要再小心的，是本屆Fed主席Jerome H. Powell屢破歷史紀錄的灑鈔救市風格，也很可能在前述因保險爭議而生之系統性風險可能實現時再度開啟瘋狂印鈔機制，而在經濟學上會有什麼效果，我在【美國失業人數破2千萬為何股市上漲？再來怎麼看？】一文已經講得清楚，簡言之：
a. 證券資產價格將局部出現嚴重通貨膨脹。尤其這段時間持有美國資產者獲利率可能超越持有其他國家資產者。
b. 各國因貨幣政策多少掛著美元，而將出現輸入性通膨。
c. 寬鬆貨幣產生的貨幣幻覺（money illusion）將埋下更多錯誤投資地雷。
d. 每次寬鬆貨幣救市都是以美元地位為代價。當美元地位跌破均衡點，人民幣等主要貨幣不再支撐美元，美國將出現全面性嚴重通貨膨脹，美國債券價格將大跌，許多州政府、市政府有破產可能。此時，持有美元與美國境內資產者恐受相當傷害。
結論：
我批評過很多次，坊間常見的「價值投資」多半只是拿幾個財務數字挪來搬去，從嚴謹的經濟學角度看這只是看圖說故事的自我欺騙行為。我認為真正有效的價值投資，是依據如經濟學這類具備科學解釋力的理論架構，蒐集真實世界的關鍵侷限條件與條件轉變從而預測未來，並嘗試從中獲利。
掌握真實世界的關鍵侷限條件必須：a. 累積大量、多範圍的各種知識，其中法學、經濟學、基礎物理/化學/醫學乃至於某些工程實務等都是必須；與b. 有足夠的能力從無數侷限條件中分離出「關鍵」。
我也談過，Benjamin Graham以降至巴菲特的傳統價值投資法最大缺失在於「忽略貨幣因素」，一旦出現極端貨幣現象時，價值投資幾乎失效。這部份價值投資者必須自行強攻以價格理論出發的貨幣學來彌補。
巴菲特老夥伴Charlie Munger認為投資者需具備各種不同知識體系，吾人深以為然。此文為一又牛刀小試。
參考資料：
✤ Yale University v. CIGNA Ins. Co., 224 F. Supp. 2d 402 (D. Conn. 2002)
✤ Matzner v. Seaco Ins. Co., 1998 WL 566658 (Mass. Super. Aug. 12, 1998)
✤ Arbeiter v. Cambridge Mut. Fire Ins. Co., 1996 WL 1250616, at *2 (Mass. Super. Mar. 15, 1996)
✤ Essex Ins. Co. v. BloomSouth Flooring Corp., 562 F.3d 399, 406 (1st Cir. 2009)
✤ Roundabout Theatre Co. v. Cont’l Cas. Co., 302 A.D. 2d 1, 2 (N.Y. App. Ct. 2002)
✤ Newman, Myers, Kreines, Gross, Harris, P.C. v. Great N. Ins. Co., 17 F. Supp. 3d 323 (S.D.N.Y. 2014)
✤ The Wall Street Journal, "Companies Hit by Covid-19 Want Insurance Payouts. Insurers Say No." June 30, 2020
✤ Steven N.S. Cheung, "A Theory of Price Control," The Journal of Law and Economics, Vol. XVII, April 1974, pp. 53-71
✤ Willam H. Meckling & Armen A. Alchian, "Incentives in The United States," American Economic Review 50 (May 1960), pp. 55-61
✤ Milton Friedman, "Money and the Stock Market," Journal of Political Economy, 1988, Vol. 96, no. 2
✤ Irving Fisher, "The Money Illusion," 1928
文章連結
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Tags: journal example

元毓

About author

元毓說粉絲頁美國法學碩士，智財權、競爭法與法律經濟分析專業。分享20年投資經驗所得之經濟學體悟。

journal example 在 Peanut Butter Youtube 的最佳貼文

By Peanut Butter

2020-07-22 11:00:04 有 212,231 人看過有 10,719 人喜歡

วันนี้เอาใจสายเรียนกันไปเลย เพราะมาแชร์เทคนิคการจดโน้ตแบบ Cornell กันค่ะ? เป็นเทคนิคที่หลายๆคนสนใจ และก็มีคนที่จบแบบนี้เยอะมากๆ (ถ้าเกิดใครสนใจเรื่องการจดเทคนิคนี้เพิ่มเติมสามารถศึกษาได้บทความของ Donohoo, J. (2010). Learning how to learn: Cornell notes as an example. Journal of Adolescent & Adult Literacy) ลองจดกันดูนะคะ??

?Cornell Template?
https://drive.google.com/file/d/12zj9eSLs7YS8I2jjxhcNbytbaL8vNal_/view?usp=sharing

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#cornellnote #จดโน้ต #takenote

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Peanut Butter

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DIY AND Creative Life Style! ไม่ว่าจะเป็นการเรียนหรือใช้ชีวิตธรรมดา จะไม่น่าเบื่ออีกต่อไป เราจะช่วยคุณใส่จินตนาการลงไปให้เกิดผลงานชิ้นใหม่ ที่จะทำให้ชีวิตคุณมีชีวิตชีวามากขึ้น!

journal example 在 _nilimed_ Youtube 的精選貼文

By _nilimed_

2020-05-02 21:00:07 有 620 人看過有 34 人喜歡

哈囉，我是黛咪
五月就用粉嫩粉嫩的顏色開啟ㄅ！（握拳）
希望疫情趕快過去，我真的覺得好煩啊啊啊啊啊
台灣要穩住！！

//

黛咪貼紙第三彈 | 四季色票不規則書寫貼紙
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這邊我以手帳影片的上傳為主 :)
會努力發影片的，但ＸＤ
我努力ＸＤ我多半還是活動於Instagram專頁啦

喜歡的話別忘了按讚訂閱分享（愛心）
或追蹤我的instagram
有任何問題都可以私訊跟留言來跟我玩～

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_nilimed_

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Hi there :) I'm Demi. I doodle a bit. I journal a bit. I do makeup a bit (not here yet :P) Based in Taiwan and I occasionally upload videos when I can :) *fyi, Taiwan IS a country, just so you know.*

journal example 在 Yale Chen Youtube 的最佳貼文

By Yale Chen

2017-08-15 09:50:45 有 1,148 人看過有 38 人喜歡

大家好，今天的挑戰是早晨亂寫，剛起床的你～記得要挑戰一下唷～

訂閱我～幫助我達到1萬的訂閱人數！
👨🏻‍💻👩🏻‍💻FB: http://bit.ly/1otSo9C
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Music - "Pompeii" by Josh Woodward. Free download: http://joshwoodward.com/

Yale Chen

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如果你想要達到財富自由，提早退休，那這個頻道是你一定要關注的啦。 Yale Chen的專注在於，如何透過投資美股達到財富自由。他使用的方法為4%法則。透過4%法則去投資指數，無論你的薪資多少，你都可以達到財富自由。除此之外，此頻道還專注在，如何建造被動收入。被動收入的方法有非常多，但最普遍的方式為：房地產、股票等。但此頻道還會教更多的方法，例如線上課程、電子書、產品構想等。

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Custom Campus Journal Modules with built-in business rules in PeopleSoft; ConnectCarolina Journal Information. Campus journals, GL journal entries, subsystem ...

#46. Journal article | Leeds Harvard referencing examples

Reference examples. Include the full title of the journal in your reference. Abbreviated titles are not used in the Leeds Harvard style. Use p.

#47. Writing a Journal Cover Letter [Free Template] | AJE

Writing a Journal Cover Letter [Free Template]. The cover letter you submit to your target journal is your chance to lobby on behalf of your manuscript.

#48. Journal entries - Staff Services - ANU

A journal entry is an internal accounting transaction used to make a transfer or an adjustment. The entry indicates the two aspects of the transaction, ...

#49. How to Write a Journal: 6 Tips

We are writers, and so it is even more helpful for us to journal. ... Be sure they sync to the cloud, as you don't want to lose your entries because you fry ...

#50. Journal Entries | Finance and Treasury

Princeton uses Prime Journals to help you create financial transactions. Here, you will find both best ...

#51. Journal Entry Automation & Management Software | BlackLine

Centralize, manage, and automate journal entries. BlackLine Journal Entry provides a complete journal entry management system that enables you to create, ...

#52. Journal Entries | University of Michigan Finance

This section of our website is a training guide that provides detailed instructions on how to process a JE without involving a subsidiary ledger, ...

#53. What Is a Journal Article? - Examples & Overview - Study.com

Explore the differences between peer-reviewed articles and scholarly articles, discover tips and examples of journal articles, and learn how ...

#54. Top 4 Example of Journal entries in accounting - eduCBA

Guide to Journal Examples. Here we also discuss What is Journal with Various Examples and Depreciation and Interest Expense Journal Entry.

#55. Journal Entries - Common Assignments - Academic Guides

Learn how to write abstracts, discussion posts, journal entries, literature reviews, and other common assignments for Walden University classes.

#56. Examples of Creative Computing Design Journals | ScratchEd

Explore these examples of student journals. Original Author: ScratchEd Team; Education Level: Elementary School, Middle School, High School, ...

#57. journal entries - French translation – Linguee

Many translated example sentences containing "journal entries" – French-English dictionary and search engine for French translations.

#58. Journal Entries - Accounting Principles I - Cliffs Notes

In the example below, GJ1 stands for page 1 of the general journal. Many general journals have five columns: Date, Account Title and Description, ...

#59. Recurring Journal Entries in Microsoft Dynamics 365 Business ...

To start, search Recurring General Journals. This is our DEMO company, and this is what the recurring general journal template looks like. We ...

#60. 7 Examples of Great Digital Journal Promotion - Scholastica ...

Journals shouldn't fall prey to using the same format for each of their posts — think “New article from [Journal Name]” with a link. When ...

#61. Journal Entries - Aico Financial Close Automation Platform

Create and post journal entries up to 50% faster with Aico journal entry software. The only solution with API or real-time ERP integration.

#62. How to Write an Accounting Journal Entry — With 14 Examples

Journal entries are also helpful in organizing accounts payable, accounts receivable, and expenses in connection with inventory. Whether you're ...

#63. B AD 3700.014 Summer 2011 Internship Journal Example

Summer 2011 Internship Journal Example. INTERNSHIP IDENTIFICATION. Student Name: John Q. Smith. Student ID: 112-11-5088. Company name: Samson Resources.

#64. Examples and Counterexamples | Journal - Science Direct

Examples and Counterexamples is a gold open access journal offering authors the opportunity to publish papers in the form of an examples or counterexamples ...

#65. Funding Updates & Journal Entries - Feinberg School of ...

Journal Entry Salary Template; Certified Effort Report, if applicable and available. Any 90-day memos involving sponsored projects require signature(s), wet or ...

#66. Free journal samples from the Geography Association

Download sample issues - for free! If you haven't made up your mind about Geographical Association membership, or if you're not sure which journal(s) would ...

#67. Examples of journal entry - Cambridge Dictionary

The discussion on the subject went on for several journal entries with the student subsequently using all of the underlined words in example ...

#68. Create Journal Entries - Fingate - Stanford University

Create Journal Entries · New Journal is used for standard transfers of expenses, make corrections or record revenue. · Allocation Journal is used to allocate ...

#69. Journal Examples, Ideas, and Strategies to Boost Gratitude

There are lots of different types of gratitude journals (more below). So when it comes to defining what a gratitude journal is, it's really up to you to make it ...

#70. The Course Journal

Sharing journal entries allows students to learn from one another's ... made this an excellent example for the journal/greenhouse. Annie had.

#71. 9.20.10 Journal Entries

Access information about the Policies and Procedures Library, University of Queensland.

#72. Article Examples - APA Citation Guide - LibGuides

Journal Articles · Newspaper Articles · Magazine Articles · Reviews (Book, Film, or Video) · Cochrane Library · UpToDate · Documents from ERIC · Other Database Content ...

#73. MDPI - Publisher of Open Access Journals

MDPI is a publisher of peer-reviewed, open access journals since its ... and the fatigue failure of the sample and the characteristics of crack initiation ...

#74. How to post journal entries - FreeAgent Support

What are journals? Sometimes your accountant might ask you to "post journal entries" or "post journals" in FreeAgent. Journal entries are a means of moving an ...

#75. What are Journal Entries? - FreshBooks

Journal entries are the building blocks of financial accounting and record all transactions in your business. In FreshBooks, all your activities – sending ...

#76. Journal Article Critique Example - UWL

Article Reviewed: Pesch, Udo, “Administrators and Accountability: The Plurality of Value Systems in the Public. Domain”, Public Integrity, Fall, 2008, Vol.

#77. Creating and maintaining general journal entries - Exact

Using the general journal is one way of entering an opening balance. You can also enter financial transactions or make corrections to incorrect entries with the ...

#78. Journal Entries: Procedures and Guidelines | Policy

Journal Entries : Procedures and Guidelines. The following procedures and guidelines are applicable to the University of Arkansas at Little Rock (UA Little Rock) ...

#79. Journal Articles - IEEE - Referencing Guide - Help & Support

If you refer to only one page, use only 111. Format. Standard format for citation. [#] A. A. Author ...

#80. Create journal entries - Accounting

Create journal entries ... A journal is used for recording non-regular transactions (for example, the depreciation of a fixed asset or writing off ...

#81. Summary Journal Entries - Knowledge Center - Zuora

Summary journal entries are summaries of Zuora transaction amounts organized by accounting code and general ledger segments.

#82. Getting to grips with journal entries and reports - University of ...

Some of the programmes offered by University of Essex Online require students to complete journal entries but not journal reports; this would be ...

#83. 3.5 Use Journal Entries to Record Transactions and Post to T ...

It is not taken from previous examples but is intended to stand alone. A journal entry dated April 1, 2018. Debit Cash, 5,000. Credit Common. Note that this ...

#84. General journal entries - Support Notes: MYOB AccountEdge

What do I enter in a journal entry? General journal entries are often entered by (or in consultation with) your accounting advisor because they' ...

#85. Journal module - MoodleDocs

Journal Example.png. A journal entry is one in which students type directly into a text field in Moodle. A Journal does not allow students ...

#86. How to Cite a Journal Article in APA - EasyBib

APA Journal Article Citation. This guide will help you create journal citations in APA format. Check out this hyperlink if you are looking ...

#87. Journal Entries - Accounting - [email protected]

Journal Entries are the logs of all the transactions in your organization which have accounting implications.

#88. Journal Entries - {:ca}Accounting Support & Resources

Adjusting Journal Entries and write-up journal entries can be created, edited and posted to the trial balance. ... Working Papers contains features to create, ...

#89. How to Journal for Your Self-Improvement (with Examples)

How to Journal for Your Self-Improvement (with Examples) · 1. A Goals Journal · 2. A Daily Journal · 3. A Gratitude Journal · 4. Stress, Fear, Pain ...

#90. Small - Wiley Online Library

Submit an Article · Browse free sample issue · Get content alerts · Subscribe to this journal. Follow journal. Facebook page · Twitter channel ...

#91. 5 Journal Entry Best Practices | Trintech

When organizations have to manage thousands of journal entries a month, the process can quickly become tedious, risk-filled and complex.

#92. sample_cover_letter.doc - SPIE

Sample cover letter for submission of a paper to an SPIE journal. [Your Name] [Your Affiliation] [Your Address]. [Date]. Dear Dr. [Editor name],.

#93. How To Make a Journal Entry | Indeed.com

Companies use journal entries to record their account movement such as their income or assets. When your company makes a financial transaction, ...

#94. Organization and Format - ASM Journals - American Society ...

Overview of Organization and Format of ASM Journal Papers.

#95. Journal Template

#96. 7.2. Journals — Mahara 18.04 manual

You can embed content from your journals in various ways in a page: display an entire journal. display only one journal entry. show the latest journal entries.

#97. An example of a personal journal blog. - ResearchGate

Download scientific diagram | An example of a personal journal blog. from publication: Linguistic properties and aspects of blogging within the context of ...

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