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
Dr. Yuang Shiang Chao |
Title: | Assistant Professor | ||
Email: | ed5097@gmail.com | ||
URL: | http://mail.nhu.edu.tw/~yschao/English http://isites.nhu.edu.tw/yschao/doc/836 | http://www.amazon.com/-/e/B00IV30N1E | amazon.com/author/drchao |
Department: | Finance |
Faculty experiences (1999/8/1 ~ Now)
Faculty (Full-time), Department of Finance, full-time lecturer, assistant professor (2011/8~Now), Yu Da University (1999/8/1 to 2013/7/31)
Faculty (Part-time), Department of International Trade, National Taichung University of Science and Technology (2005/2/1 to 2006/7/31)
Faculty (Part-time), National Taichung University of Science and Technology in Junior College of Continuing Education (2002/8/1 to 2005/1/31)
Faculty (Part-time), Accounting and Information Systems, Chang Jung Christian University (CJCU) (2000/2/1 to 2002/7/31)
Current Occupation:
Full-time faculty, Assistant Professor, Department of Finance and Institute of Financial Management, College of management, Nan Hua University (2013/8/1 ~ Now)
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1. Brief History
Located in Chiayi, Taiwan, Nanhua University was founded in 1996 by Venerable Master Hsing Yun. Through the support of millions of Fo Guang Shan worshippers, the first comprehensive university of Fo Guang Shan was funded. The school is also a member of “Fo Guang Shan’s Associated Universities,” the country’s first cross-nation university system. Currently, the school has about 5,200 students and a strong faculty of 220 full-time teachers. The proportion of assistant professors to full-time teachers above is more than 96%, and the proportion of doctorates among them is 91%, which means the school ranks among the top private universities.
The school is built on a mountain slope and set in a quaint garden. The school area is about 63 hectares, with vast grasslands and towering trees. The unique natural environment of the elegant and quiet campus has earned the school the name “Forest University.” The rare and protected species and the natural and cultural ecology make the school the perfect model for promoting green campuses and environmental education.
The school primarily focuses on general education and the humanistic spirit. It is an important institution in the southern region for national general education, and the school currently has a General Education Center and Five Colleges: Management, Humanities, Social Sciences, Arts, and Science & Technology. There are 21 undergraduate departments, 24 master’s programs, and a doctoral program. The Department of Life-and-Death Studies is renowned nationwide. Other well-known departments include the Department of Biotechnology, the Department of Tourism Management, the Department of Architecture and Landscape Design, the Department of Ethnomusicology, the Graduate Institute of Religious Studies, the Graduate Institute of Nonprofit Management, and the Graduate Institute of Natural Healing Sciences. Moreover, general education with award-winning performance year after year has further increased the school’s positive reputation.
At the same time, transnational learning programs, including international student exchanges, overseas study, and e-learning platform (wireless internet / digital media / language learning), strongly promote the unique features and competitiveness of the school.
Fo Guang Shan Million-Member Fundraising Campaign Alms-procession. | |
For over 14 years, Ban Qiao Vihara has conducted the Hand-made Vegetarian Moon Cakes Charity Sale |
2. Founding Spirit
The university is centered on the balanced development of five principles, humanization, specialization, digitalization, industrialization and internationalization. The university’s unique educational mission is to achieve religious and cultural coordination in a spirit of charity and justice, with high-quality teaching. This unique mission encompassing life awareness, religious and humanistic spirit, and the ideals of a public service university, is injected into the education process, promoting the growth and transformation of both teachers and students, while enhancing each student’s character, vision, and professional competence. At the same time, students are strengthened by nurturing them to become good citizens and to serve others.
Personnel Nurturing Objectives:
(A) To develop modern citizens with character and virtue through the spirit of service.
(B) To develop modern citizens with a broad international perspective, civic literacy, and strong communication skills.
(C) To develop modern experts with a sense of responsibility, professional competence, and creative ability.
3. The Developmental Features
Establishing the Humanistic Spirit through a College Education
As a religious school with a deep humanistic spirit, the university focuses on the enhancement of general education and character development of students. The continued practice of age old academic traditions, such as the “ancient rite of passage” for freshmen each year, renew the school’s humanistic spirit and have been the school’s distinguishing feature since its inception. The university has established a cultural city, where character education, general education, and professional education nurture talents, and a moral education curriculum adapted to the needs of modern society helps transform students into responsible and compassionate adults through enlightenment.
Integrating Local Industries’ Emphasis on “Practical Learning”
The quality of teaching and knowledge applications is nurtured in the school environment that centers on “consciousness-based life education” and “conscious learning of students.” The school implements industry-integrated courses and a “practical learning” system that seamlessly connect academic theories with industry standards, thereby enhancing students’ employability and competitiveness. In addition, each department’s highlights are synchronized with the pulses of the local industry and community. The school’s future development will focus on end-of-life care, health care, philosophy, biotechnology in organic agriculture, tourism and leisure, non-profit organizations, and cultural and creative industries.
Taiwan’s First Associated Universities System Goes International
The school jointly established the “Fo Guang Shan Associated Universities,” the country’s first transnational associated university system including Fo Guang University, the University of the West in the U.S.A, and Nan Tien Institute in Australia. The system combines the advantages of the four universities to provide a wide range of resources as well as develop students’ international perspective. The approach of “register for four schools at one school” will be adopted to help students earn dual degrees. In order to foster students’ international flexibility capabilities, the school will form an important network with Buddha’s Light International Association (BLIA) and Fo Guang Shan temples on five continents for international exchanges and student learning.
4. Fo Guang Shan Four-in-One University Consortium
Founded by Venerable Master Hsing Yun, Fo Guang University and Nanhua University in Taiwan, along with University of the West (UWest) in the United States, and Nan Tien Institute in Australia combined on July 17, 2012, and all four Presidents co-announced the international Fo Guang Shan Four-in-One University Consortium, which is the first of its kind in Taiwan.
On March 22, 2013, under the witness of Venerable Master Hsing Yun, Nanhua, Fo Gung, UWest, and Nan Tien Presidents signed the agreement of the consortium at the 17th Anniversary Celebration of Nanhua University, where Fo Guang University President Yung Chaur-shin was appointed executive director.
In the years since the consortium’s implementation, teacher and student exchanges, inter-uni credits, remote learning programs, distance learning programs, and dual degrees have been introduced; while the universities have joint resources with Fo Guang Shan temples worldwide. This allows students the opportunities to learn and work overseas.
Making History – Signing for the Fo Guang Shan Four-in-One University Consortium. |
5. Three Acts of Goodness
Venerable Master Hsing Yun promotes Three Acts of Goodness as follows.
Master Hsing Yun hopes that everyone will practice the acts, and he believes Nanhua University will be able to become a Three Acts of Goodness School. Under Dr. Lin’s leadership, Nanhua University will foster the three acts of goodness in the minds of all students.
6. Message from the president “ Revitalize Nanhua, reward excellence and help the disadvantaged. Pursue the prominence, and move toward the global stage. " | |
Nanhua University is a university founded on the collective power of millions of Fo Guang Shan worshippers. It possesses humanity, religious and artistic qualities. Located in Chiayi, it is a tertiary school with a strong cultural atmosphere, and strong faculty. We collaborate to develop the school in innovation, and adopt the educational philosophy of the founder, Venerable Master Hsing Yun, to be sure that Nanhua will emerge as an elite international school with sound character and strong academic standing in the context of higher education. | |
New Pattern –Fresh Outlook of NHU | |
In response to the flourishing school and the recruitment of international students, school facilities and the campus landscape have been expanded in recent years. Featuring an artistic and educational landscape design, the new construction includes teaching buildings, student dormitories, an international conference center, a stadium, a baseball field, and vegetarian restaurants. Through the humanistic spirit and characteristics of the school campus, a humanistic academic environment is being built. | |
Promotion of Excellence Awards and Helping the Disadvantaged – Recruitment of International Students | |
The “Reward Excellence and Help the Disadvantaged” scholarship system not only rewards outstanding students but also looks after low-income household and disadvantaged students. A variety of scholarships and grants subsidize overseas study based on entrance examination results. Preferential programs provide tuition and fees to support students of low-income households and lower to middle-income households. Fo Guang Shan has over three hundred branches, including sixteen Buddhist colleges, four universities, kindergartens, many elementary and high schools, and temples around the world, which are all recruitment channels under development. Through such platforms and channels, young students from around the world are encouraged to learn and grow together at Nanhua. | |
Teaching Excellence – Global Transitioning | |
The school focuses on “life awareness,” “professional competence,” “international mobility,” “employability,” and “teacher and student harmony.” Furthermore, through conscious education, the school also aims to foster correct attitudes in students, provide domestic and international internship opportunities to improve students’ literacy and foreign language skills, and subsidize students to participate in contests to win honors, allowing every student to gain a deep reflection on life, personal expertise, an international perspective, and the far-reaching recognition of Nanhua. | |
Enhanced Employability –Strengthened Competitiveness | |
The employment rates of graduates from undergraduate departments and graduate institutes are 90% and 93%, respectively. According to an employer satisfaction survey, more than 80% were satisfied or very satisfied, which indicates that school-nurtured talents are meeting business requirements. Through continuing academic traditions while rebuilding the humanistic spirit, traditional Chinese culture and humanities are combined with modern knowledge systems to develop a competitive international and domestic model of university teaching. |
邁向卓越人生四要則
和勤奮者在一起,你不會懶惰;
和積極者在一起,你不會消沈;
能與智者同行,你會不同凡響;
能與高人為伍,你能登上巔峰。
Address: | Chia-Yi, INTL |
Type Of Business: | University faculty Consultant in governmental/private institutions |
Marketing Area: | Taiwan;China |
Expertise: | 1.International finance development; 2.Management advisory services; 3.Overseas investment strategies; 4.Risk managements in business and emerging economies;5.creating business model and marketing strategy |
Major Product/SVS: | 1.financial knowledge Consultation service in creating business and expanding markets 2.Advising the applicants how to write a proposal to get funding from Bank to create a business. 3.Marketing strategy proposed to enterprises 4.Better creating and managing strategy to get access to success. |
Favorite Business Publication: | 1.Three finance-related books published from 2012 to 2014. The first book entitled "Global Value Chains and Regional Economic Integration Development"(2013); 2.The second book entitled "MNE Investment Strategy and Risk Evaluated in China," The Joint Effects of MNE's Diversification Strategy on Performance and Systematic Risk Evaluated in China Investment (2012); 3.The third book entitled "What Government Bonds and Investors Matter in Global Financial Crisis?-Evidence and Strategic Thinking" (2012) The website linkage: http://www.amazon.com/-/e/B00IV30N1E |
Hobbies/Sports: | Doing research; Climbing; Jogging; Joining Fo Guang Shan Temple(Taiwan) activities; Listening to classical music;Keep learning |
Education Degrees: | Ph.D. in Management, Major in International Business Management, Minor in Finance, National Yunlin University of Science and Technology (Taiwan,2010) |
Affiliations Awards: | Counseling Commissioner, Chung-Hua Institution for Economic Research; Counseling Consultant, Council of Labor Affairs, Executive Yuan, Taiwan; Counseling Consultant, Small and Medium Enterprise Administration, Ministry of Economic |
Throughout the duration of your career, what was the one highlight that stood out the most?: | Advising business counseling information to one company to get successful performance in market, the net return of investment is 39.5% in the first year. |
Charity: | Adviser for Middle Class, How to Creare Business models and Write Proposals to get the funding from the financial institutions. |
Number Of Years In Profession: | 18 |
Number Of Years In Current Position: | 4 |
What Does He/She Attribute Success To: | He attributes his success to his ability to finish projects before a deadline and give proper advice to the owner in creating business or how to write a successful proposal to get the funding from the financial institutions, in addition to his extensive experiences in governmental institutions. |
Why did you become involved in your profession or industry?: | He enjoyed himself in his financial and strategic management profession because he previously worked in a big enterprise, advising customers on how to invest their money into financial products, which was similar to a consulting position. It was a natural progression from that point. |
Extended Bio Profile: | Dr. Chao is most proud of being a contributor in international finance research field, and wants to provide more effective research outcomes connected with governmental policies and academic institutions. Most of his current students work in financial institutions, insurance companies and stock markets. Dr. Chao has acted as a financial and strategic consultant in several medium-sized enterprises since March 2005. He expects that there are two main academic directions to do subsequent research in the future. Dr. Chao hopes to revisit and reevaluate the applicability of existing research to connect theories in light of the changing conditions of global business. In addition to his assistant professor position in Nanhua University, and previously, Dr. Chao has taught for more than 17 years in university and advise many students to provide their financial knowledge to contribute themselves to financial industry. Up to now, there're totally sixteen textbooks/books published including six professional financial publications.seven local finance-related textbooks and three foreign textbooks had been published since 2002. I expect to get more good quality papers published in SSCI/SCI high impact factor journals in the coming future. I still make the best of time to move forward and contribute my research to academic community in academic field. https://www.shuyuan.sg/store/gb/book/global-value-chains-and-regional-economic-integration-development/isbn/978-3-659-45961-0 His working principle is 'never too late to learn and do your best in doing everything right until you have succeeded in your target.' |
Position Responsibilities and Duties: | 1.Serving as an assistant professor in the department of finance and institute of financial management, college of management at Nanhua University; 2.Doing research; 3.Teaching; 4.Providing advice and suggestions to private companies how to manage their businesses well and avoid risks; 5.Assisting owners and chief executive officers with financial management and risk managements; 6.To advise good suggestions to the investors and the board |
Education Certifications: | 1.Senior Advising Consultant, U.K. Certificate(Distinct level),License No.:NI090038158405;2.International license:Senior Advising consultant, U.K. certificate(Distinct level) License No. : NI 090038158405 2.Professional License: Integrated Marketing Consultant (Senior level) License No.:SMA 201411501 3.Professional License: Service Industry Consultant 4.Governmental Counseling Technician advisor in Service Industry, Council of Labor Affairs, Executive Yuan, Taiwan; |
Awards/Honors: | 1.Counseling Consultant, Small and Medium Enterprise Administration, Ministry of Economic Affairs, Executive Yuan, Taiwan (2014-2015); 2.Second Place, National Investment Simulation Racing Contest (2013); 3.Counseling Consultant, The National Youth Commission, Executive Yuan, Taiwan (2012-2013); 4.Counseling Consultant, Bureau of Employment and Vocational Training, Council of Labor Affairs, Executive Yuan, Taiwan (2012-2013); 5.Counseling Consultant, Council of Labor Affairs, Executive Yuan (2012-2014); 6.Enhancing University Students' Career Employability and Competitiveness, Youth Commission, Executive Yuan, Taiwan (2005-2006); 7.The honored member in WHO's WHO(February/2015-2016) |
Where Will You Be In 5 Years: | In the coming years, Dr. Chao hopes to promote himself to the international academic community, and publish articles/finance-related books. In Taiwan, the governmental institution has a project and they needed a scholar or expert to join; Dr. Chao was asked to join governmental projects at the request with his colleagues. He would also plan to progress to professor position within the next six years. |
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