I type this note because I felt annoyed and after checking the service charges of the bank
Actually if we deposit money into the bank (e.g saving account) , they are creditors of the bank.
Ironically, it seems that we have no rewards ( the interest rate is 0.01%, why don't the banks just make it zero if so?? totally pointless to deposit money into the banks ) The creditors (public) not only receive no rewards, but also have to pay different kinds of fees imposed by the debtor(bank).
The most ridiculous policy is…if you don't "touch" your account for 6 months, you have to pay the fee also...the situation is hilarious if we put it in this way....the debtors desperately need the creditors to disturb and annoy them ( e.g., 每6個月以內定時定候要淋下紅油 ) or else the creditors need to pay the debtors... it is totally an unfair treaty, isn’t it?
Just remind me of what my classmates told her experience when she worked as an intern in a bank, she said she once received a call from a customers with US$7 million and asked about the interest he could receive and my classmate dared not to tell the customers that he could just get a few hundred HK dollars =.=
It is better to put money under the pillow…totally pointless to have a saving account
Sunday, June 21, 2009
Tuesday, June 9, 2009
《上哈佛真正學到的事》 - 姜仁仙
上哈佛真正學到的事 --- 哈佛關鍵態度, 帶你跨入領先群----- 作者 / 姜仁仙
大概是最近覺得人生有點迷茫, 趁知道中銀卡有8折, 買了幾本書來看, 希望得到一些啟示, 這是其中一本, 這書描述哈佛的環境, 作者的生活, 這也不是太重要, 買這本書的時候, 我只想知道怎樣在大學裡好好生存, 怎樣去有效讀書之類, 怎樣去裝備自己同人fight過, 幸好整本書總算有幾個chapter比較有用, 然而對於我的未來, 我始終是充滿恐懼, 總是好像有無窮無盡的東西要學習, 我的天資卻不是聰敏過人, 卻經常遇到一些厲害的人, 當那些人比我知的, 比我見識過的多幾千萬倍的時候, 心中會不斷浮起怎樣才能與他看齊的念頭, 卻又有點力不從心的時候, 不安感會自然加劇
人停下來時只會覺得更迷茫,唯一可以做到的是只能盡力去追尋, 好好地過每一天
書中有提及在網絡上流傳的哈佛圖書館自習室牆上的訓, 但作者在哈佛讀書時不曾聽過這些, 1-20 are copied from the web directly, 21-30只在書中才有, 但覺得有用, 把它一同記下來1. The time is passing.
1.時間在流逝。
2. One day, has not been able again to come.
2.一天過完，不會再來。
3. The education level represents the income.
3.受教育程度代表收入。
4. Not matter of the today will drag tomorrow.
4.勿將今日之事拖到明日。
5. Please enjoy the pain which is unable to avoid.
5.請享受無法迴避的痛苦。
6. Today does not walk, will have to run tomorrow.
6.今天不走，明天要跑。
7. Has not been difficult, then does not have attains.
7.沒有艱辛，便無所獲。
8. The dog equally study, the gentleman equally plays.
8.狗一樣地學，紳士一樣地玩。
9. Now drips the saliva, will become tomorrow the tear.
9.現在流的口水，將成為明天的眼淚。
10. Thought is already is late, exactly is the earliest time.
10.覺得為時已晚的時候，恰恰是最早的時候。
11. Studies this matter, lacks the time, but is lacks diligently.
11.學習這件事，不是缺乏時間，而是缺乏努力。
12. Even if the present, the match does not stop changes the page.
12.即使現在，對手也不停地翻動書頁。
13. Time the study pain is temporary, has not learned the pain is life-long.
13.學習時的苦痛是暫時的，未學到的痛苦是終生的。
14. The investment future person will be, will be loyal to the reality person.
14.投資未來的人是忠於現實的人。
15. Nobody can casually succeed, it comes from the thoroughself-control and the will.
15.誰也不能隨隨便便成功，它來自徹底的自我管理和毅力。
16. Only has compared to the others early, diligently diligently, can feel the successful taste.
16.只有比別人更早、更勤奮地努力，才能嚐到成功的滋味。
17. Perhaps happiness does not arrange the position, but succeeds must arrange the position.
17.幸福或許不排名次，但成功必排名次。
18. This moment will nap, you will have a dream; But this moment study,you will interpreta dream.
18.此刻打盹，你將做夢；而此刻學習，你將圓夢。
19. I leave uncultivated today, was precisely yesterday perishestomorrow which person of the body implored.
19.我荒廢的今日，正是昨日殞身之人祈求的明日。
20. The study certainly is not the life complete. But, since continuallylife part of - studies also is unable to conquer, what but also can make?
21 夢想就在前面, 你為甚麼還不邁開腳步22 眼睛閉著, 那麼望著未來的眼睛也會是閉著的23 別打瞌睡, 就去睡吧24 最偉大的事, 是趁別人在睡夢中完成的25 成績和投資時間成正比26 現在虛度的時間, 當考試來臨前會令人那麼迫切需要？27 所謂的不可能, 是不努力的人所找的藉口28 努力的代價是不可能平白無故消失的29 讀一小時的書, 先生, 太太的表情就會不同30 追求最好的, 盡最大的努力, 而且一開始就要為盡最大努力, 追求最好而祈禱
*********
Jot down some notes for myself
- Success means be the person who you want to be and can do what you want to do
- not only personal success but also impacting the society and giving others the chance of success
- try to be a leader of a certain aspect/ industry although it is hard
- others cannot help you make your decision, do it by yourself and convince yourself why you do it
- set up a plan'goal which is almost impossible to achieve and use it to compare your performance and blame yourself of incapability, it huts your spirit and this emotion affects self-reflection of mistakes and learn from failure
- free to think, serious to live ( quatity comes before quality, busy life forces you to have better time management)
- survival skills ( 1. better time management> all about follow your planning 2. get close to the profs 3. choose different subjects 4. choose the subjects with lots of assignments and exams 5.form study group 6. improve you report writing skills/ composition 7. do other things besides studying 8. ask questions/ seek help if have difficulties 9 learn foreign language
- unrelease your potential, test your upper limit of your ability
- use your own strength to run until the last minute and always reset your speed or you will fall behind
Is Google too powerful?
Is Google too powerful?
By Hayley Woo
Google has recently been ranked as one of the top 100 global brands by Businessweek. Thanks to its renowned and dominant search engine, Google keeps gaining its share on the internet. As an internet user, searching on Google becomes inescapable from our daily life. Along with its giant information generating ability, its various innovative products have become indispensable. Its permeation seems to enrich our life and bolster our daily convenience but one issue which raises many concerns is the trade-off between enjoying its free services and sacrificing our privacy. This paper will show how powerful Google becomes the user data empire, and the implications to the internet users.
The diversity and specificity of Google’s product range lend power to extract user’s data comprehensively. When a user uses its different services, his miscellaneous information will automatically be gathered by Google. For instance, when a user uses GoogleHealth, Orkut and Gmail, Google can get all his personal information including his health conditions, various personal particulars, lifestyle choices, or even the content of his emails. All online activities carried out by an individual are known by Google without the use of knowledge. Users cannot opt out of data collection completely and delete the information which they do not want to expose; this raises the concerns about the potential threats of exposure to personal data.
Another reason of Google being so powerful is its advanced technology which allows it to track, generate, manipulate and store user’s data. It uses cookies to track users' movement around its web. Also, Google can track individual users on any page that has either Doubleclick or Adsense ads which are not on Google’s web as well. Moreover, Google conducts the massive data analysis to manipulate the data and the data will go to permanent backups for permanent storage which is not allowed to be deleted by the users. This illustrates that your preferences and browsing behavior are watched by Google, and they do not have a choice. Thus, this raises concerns about the privacy invasion due to over extraction of user’s data.
Some people argue that users can choose whether their personal information be disclosed on Google and that Google is not the only website who uses cookies to provide services and advertising to improve the user experience and customize individuals’ needs. However, as users are mostly outsiders, they rarely know the purposes of Google storing our data for a long time, and its system to protect the data. No one will refute that it already has an enormous and powerful user database due to the countless searches by billions of users per day.
Whether the data is well-used and well-protected by Google becomes the controversial issue that generates a lot of debates as many people have noticed its potential threats owing to Google’s growing power. It is undeniable that great strength comes with great responsibility. Google’s aggressive expansion enables it to gain popularity but meanwhile people fear it because of its overwhelming power.
By Hayley Woo
Google has recently been ranked as one of the top 100 global brands by Businessweek. Thanks to its renowned and dominant search engine, Google keeps gaining its share on the internet. As an internet user, searching on Google becomes inescapable from our daily life. Along with its giant information generating ability, its various innovative products have become indispensable. Its permeation seems to enrich our life and bolster our daily convenience but one issue which raises many concerns is the trade-off between enjoying its free services and sacrificing our privacy. This paper will show how powerful Google becomes the user data empire, and the implications to the internet users.
The diversity and specificity of Google’s product range lend power to extract user’s data comprehensively. When a user uses its different services, his miscellaneous information will automatically be gathered by Google. For instance, when a user uses GoogleHealth, Orkut and Gmail, Google can get all his personal information including his health conditions, various personal particulars, lifestyle choices, or even the content of his emails. All online activities carried out by an individual are known by Google without the use of knowledge. Users cannot opt out of data collection completely and delete the information which they do not want to expose; this raises the concerns about the potential threats of exposure to personal data.
Another reason of Google being so powerful is its advanced technology which allows it to track, generate, manipulate and store user’s data. It uses cookies to track users' movement around its web. Also, Google can track individual users on any page that has either Doubleclick or Adsense ads which are not on Google’s web as well. Moreover, Google conducts the massive data analysis to manipulate the data and the data will go to permanent backups for permanent storage which is not allowed to be deleted by the users. This illustrates that your preferences and browsing behavior are watched by Google, and they do not have a choice. Thus, this raises concerns about the privacy invasion due to over extraction of user’s data.
Some people argue that users can choose whether their personal information be disclosed on Google and that Google is not the only website who uses cookies to provide services and advertising to improve the user experience and customize individuals’ needs. However, as users are mostly outsiders, they rarely know the purposes of Google storing our data for a long time, and its system to protect the data. No one will refute that it already has an enormous and powerful user database due to the countless searches by billions of users per day.
Whether the data is well-used and well-protected by Google becomes the controversial issue that generates a lot of debates as many people have noticed its potential threats owing to Google’s growing power. It is undeniable that great strength comes with great responsibility. Google’s aggressive expansion enables it to gain popularity but meanwhile people fear it because of its overwhelming power.
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