你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫
2.不要只為了賺錢而投資
3.用情緒理財是最失敗的策略
趙夫子
2014/02/21
Ten Ways to Save Energy and Money
By LISA SMITH
Updated Jul 22, 2019
TABLE OF CONTENTS
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It's no surprise that energy costs money, yet some people greet their bills each month with a shock when they see precisely how much their power consumption is costing them. According to the U.S. Bureau of Labor Statistics, the average household spends over $4,400 per year on utilities, fuel, and public services, according to the most recently released statistics. Anything you can do to conserve energy and put some of that money back in your pocket is a step in the right direction.
Let's take a look at 10 painless ways to reduce consumption and cut your expenses.
KEY TAKEAWAYS
1. Use Your Thermostat
Turning up the temperature during the summer and turning it down during the winter are great ways of putting your thermostat to work for your wallet. The Department of Energy (DOE) recommends setting the air conditioner to 78 degrees and the furnace to 68 degrees to keep your house comfortable while reducing your energy costs and decreasing the demand on the energy grid.
A programmable thermostat lets you make the house hotter or cooler during periods when you aren't home. This reduces the temperature difference between the exterior and interior of your house, which in turn reduces energy loss. If you don't have a programmable thermostat, you can manually adjust your existing unit.
2. Ceiling Fans
If you have ceiling fans in your house, turn them on and use them properly. According to Energy Star, a voluntary labeling program sponsored by the DOE and the U.S. Environmental Protection Agency (EPA), ceiling fans should be set to spin counter-clockwise in the summer, which pulls hot air up to the ceiling and away from the living space. In the winter, reverse the setting so the fans blow the hot air down.
3. Energy Star Appliances
Energy Star also identifies energy-efficient appliances, including washers, dryers, refrigerators, freezers, dishwashers, dehumidifiers, room air conditioners, computers, and more. When shopping for new appliances, look for the Energy Star label, and rest assured that the items you are purchasing will go a long way toward saving you some cash.
Of course, you wouldn't want to increase the use of these items just because they save energy. Consuming more defeats the purpose.
4. Home Electronics
Stereos, DVD players, televisions, kitchen appliances, and any other plugged-in appliances draw a small amount of power even when turned off. Use the surge suppressor to turn them completely off when not in use, or unplug these items until you really need them. According to the DOE, using an advanced power strip to control power used by idle appliances can save you $100 a year.
5. Energy-Efficient Light Bulbs
A quick and easy way to reduce your energy use is to replace existing incandescent bulbs with energy-efficient compact fluorescent ones. According to the DOE, switching to Energy Star approved bulbs can save the average household $45 per year.
Regardless of the bulbs you use, turn them off when you leave the room. For laundry rooms, garages, basements, and other little-used areas consider the installation of timers that automatically turn off the lights after a preset amount of time, just in case you forget to shut them off.
6. Conserve Water
Low-flow fixtures that conserve water are available for your shower, faucets, and toilets. In addition to installing these items, be sure to replace faucets that drip, fix toilets that leak, and turn off the spigot when brushing your teeth or scrubbing dishes. Every drop of water you save contributes to the conservation of this valuable resource; we're talking water here, not just money.
7. Seal and Insulate
A well-insulated house reduces the amount of money you will spend on heating and cooling. Start by checking your attic. If your attic is unfinished, you shouldn't be able to see the floor joists. If you can see them, add more insulation.
Also, be sure to fill in and seal any holes in your exterior walls, such as where pipes come into the house, and around windows and doors. Wrap your boiler and exposed pipes with insulation to help them maintain the proper temperature.
8. Change or Empty Your Filters
Change the filter on your furnace on a frequent basis. Many furnace manufacturers recommend doing it quarterly or even monthly to keep the unit operating at peak efficiency. Similarly, empty the lint filter in your dryer after every use. Even a small amount of lint reduces energy efficiency.
9. Close the Doors and More
Don't waste energy. Close the doors on your refrigerator and house as quickly as possible. Keep fireplace dampers shut when not in use. Close the curtains to cover your windows at night. All of these little efforts help to conserve energy by preventing heat loss.
10. Use Your Surroundings
Strategically placed trees can help reduce your heating and cooling costs. During the summer, trees provide shade. During the winter, trees provide a windbreak.
Positioning large deciduous trees in the right places can reduce cooling costs by up to 25%, according to the DOE. These deciduous trees should be planted on the south and west sides of your home, and strategically positioned to shade hard surfaces, including driveways and patios, to maximize their impact. Because they lose their leaves in winter, they allow the sun to warm your house. Evergreen trees planted on the north side of your home will help to shield the house from cold winds in every season.
Small Steps Lead to Big Savings
Saving energy conserves valuable resources and saves money. Do your part to make energy conservation a habit; it's a move with positive implications for both the environment and your wallet.
富人與窮人的時間觀
窮人為錢工作,富人讓錢為他們工作;
窮人管理金錢,富人卻善於管理時間;
富人時間不夠用,窮人不知如何殺時間。
時間在窮人手上變得一文不值,在富人手裡卻變得價值連城,
因此,窮人將會更窮,而富人也將更富。
為什麼每個人擁有的時間都一樣,但成就卻大不相同呢?你通常是花錢買時間還是賣時間賺錢?有人開車繞了半小時只為了找一個免費車位,有人花錢找人辦事讓自己可以做別的更重要的事。當時間不再只是度量衡而是有行有市可以買賣,你的時間值多少錢,你願意用多少錢買別人的時間,未來會有交易所,請先標好你的定價。
會管理時間就會管理金錢也會管理自己的人生,讓人生更精彩的關鍵就在於同樣的時間內透過規劃、分工可以做更多的事情,讓家庭、事業、婚姻、健康都能兼顧。
千萬不要讓遲到、懶惰,這些小事浪費在您寶貴時間上。
十個理財重要觀念
你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫