人生值得投資的項目 (四)、開拓自身價值，創造人生現金流 (What thing is worth to Invest in Life? (4) Explore Own Value and Create Cash Flow in Your Life)

        The previous article concluded by discussing managing one’s own time as an investment.

     The returns accumulated from such time management directly influence one of the most crucial aspects of life: the primary cash flow from one’s core profession or business.        

        前篇的結尾段提到對於自我時間的投資管理。而這樣的時間管理累積下的報酬背後影響的是人生中非常重要的本業現金流。

        從小開始我們從念書開始獲取學識，從基礎學科到個人偏好的專業科目或技能，結業後在市場因應自身的價值就業，或創業並取得現金流。在台灣的就業市場，由於薪資水準較跟不上物價 (2022年統計薪資成長率已為負成長) 的通膨現象，更多人會想要靠著投資或者是斜槓副業多增加自己的現金流，進而達到財富自由的狀態。

        到底是因為薪資或創業收入在市場中的無法成長？還是尚未在市場中彰顯價值呢？這似乎是一體多面的探討。

Read More

人生值得投資的項目 (三)、取得比別人多的時間成本 (What thing is worth to Invest in Life? (3) Extend Your Life for getting the time)

        The previous article mentioned that when it comes to life investments, starting with a mindful mindset is a foundation worth carrying for a lifetime.

But for those of us striving to progress, beyond cultivating mindfulness, there is another powerful tool that can amplify the effects of any investment many times over: time.

In the movie Interstellar, there’s a scene where the protagonists, faced with their exploration mission, stress that time must be considered a “resource.” This crucial factor came at a great cost — their mission failure caused humanity on Earth to lose decades.

In reality, time is indeed a critical parameter when it comes to the rate of return on any investment.

        前篇提到人生投資時以正念出發的心態，這是一輩子值得擁有的基石。勇於進步的我們除了良好的正念心態以外，尚需把握一個可以讓投資效果放大數倍的利器：時間。

        電影”星際效應” (Interstellar)一幕，主角群因應探索任務，提到時間必須是要考慮的一項”資源”。而這個重要因素也確實讓他們付出了不小的成本 (因任務失敗而導致地球人類的時間被拖延了數十年)。而在現實中，時間也確實是投資報酬率的重要參數。

Read More

人生值得投資的項目 (二)、建立正念投資心態 (What thing is worth to Invest in Life? (2) Build meaningful attitude for investment)

        The previous article explained the two main sources of happiness in life: financial income and relationships. 

So, how do we take the first step? Everything should begin from the inside out — starting with our inner self, by building thoughts and beliefs, and guiding ourselves forward. This foundational mindset is what Bargson advocates as “mindfulness.”

前篇闡明了人生要營造的兩大幸福感來源：財富收入、人際關係。那麼，我們該如何開始踏出第一步呢？凡事由內而外開始，從自己的內心，也就是建立想法、信念，並且引導自身向前。這個初衷心態，博格勝提倡 “正念” 。

Read More

人生值得投資的項目 (一)、滿足感是什麼? (What thing is worth to Invest in Life? (1) The Happiness in Life)

        Everyone — including Bargson — seeks a sense of fulfillment throughout their life.

        The definition of fulfillment is broad, often stemming from the attainment of wealth, material needs, physical well-being, and human relationships. These elements bring inner joy, which in turn leads to a state of balance with the surrounding environment.

        The most direct form of fulfillment, or what we might call happiness, comes from two key sources: financial freedom and meaningful relationships.

        所有人，包含博格勝，一生都會想追求滿足感。滿足的定義很廣泛，多數是來自取得財富、物慾、生理、人際關係，讓內心愉悅後，進而達到和周圍環境的平衡狀態。

        最直接的滿足感，也可說是幸福感，來自兩部分：財富自由、人際關係。

Read More

寵物界颳起的飲食旋風：營養藝術蛋糕 (A Diet trend for PETs: Art cake with nutrition)

作品：慶祝蛋糕及兩株玫瑰盆栽 (作者: lovehabibi2020 (IG帳號))
Artwork: Celebration Cake and Two Potted Roses (Author: lovehabibi2020 (Instagram))

I recently came across an intriguing piece of art, and what caught my eye were two potted plants and a cake. The roses in the pots were both red and blue, not deep in color but full of charm. Intertwined with white hydrangeas and lush green leaves, it seemed the flower arranger had quite a talent, as the combination was perfectly balanced and pleasant. As someone who strives for harmony in life, I immediately thought it would be a lovely addition to my home. A friend then told me that the potted plants were actually edible cakes, specifically designed for pets. I was taken aback — apparently, in the pet world, it's no longer just about the dry food in the bowl. Art is quietly creating its own unique trend in the pet community.

最近接觸到一款有趣的藝術作品，映入眼前的是兩株盆栽跟一個蛋糕。盆栽裡的玫瑰有紅有藍，顏色不深但韻味很足，穿插白玉繡球及翠葉，看起來插花主人很有一套，搭配的恰巧舒適。人生追求和諧的博格勝，看到了很想買一個擺家裡欣賞。友人跟我說那盆栽其實都是可以吃的蛋糕，且是針對寵物設計的款式。當下大吃一驚，原來在寵物的世界裡，已經不是只有盤裡的乾糧。藝術也正在寵物界悄悄創造了一股特有風潮。

Read More

在美國創立公司銀行帳戶 (Setup an America bank account for cooperation or LLC)

The previous articles described how Taiwanese entrepreneurs went through the process of establishing a company, obtaining a company address, and securing an EIN.

Once these essential components are in place, investors should begin preparing for cash flow management: opening a bank account.

For a Taiwanese company looking to sell on Amazon North America or eBay, entrepreneurs can use third-party payment services to manage cash flow. These services link both the marketplace account and the Taiwanese company’s bank account. Once the third-party payment provider receives funds from the marketplace, it will transfer the balance—after deducting fees—into the Taiwanese company’s bank account.

For Taiwanese entrepreneurs who establish a U.S. company and wish to open a U.S. bank account, there are three main options:

• Travel to the U.S. to open a physical bank account

• Open an online bank account remotely

• Hire an agent to help open a physical U.S. bank account (note: this method may involve some grey areas)

前面幾篇文章敘述台灣創業家從建立公司、取得公司地址、取得EIN。在這些公司要素都取到的同時。投資人該開始準備金流的建立：銀行帳戶 。

如果是台灣公司想開啟亞馬遜北美商場或eBay商場。創業家可使用第三方支付建立金流，即使用該第三方支付同時連接商場帳戶跟在台灣公司連結的銀行帳戶。第三方支付收到商場款項後會將扣除手續費的金流匯入台灣公司的銀行帳戶。

如果是創立美國公司的台灣創業家想在美國建立銀行帳戶。有三種方式：

1. 前往美國開實體銀行戶

2. 線上開網路銀行帳戶

3. 請代辦協助在美國開實體銀行帳戶 (此方法可能存在模糊地帶)

在現今COVID-19疫情，或是沒有時間。出國開戶的困難度提高。本文將敘述嘗試開啟Mercury網路銀行做公司金流的過程

Read More

使用FirstBase代辦在美國德拉瓦州設立LLC公司的過程 (六之三、取得雇主身份識別號碼 (EIN)) (Set Up an LLC in Delaware (6-3. Get an Employer Identification Number, EIN))

The previous article shared how entrepreneurs obtained an EIN by filling out the SS-4 form.

This article documents how FirstBase assisted as an agent to help secure the EIN on behalf of the company.

 前文分享創業家取得EIN的過程，填寫SS-4表格。本文記錄FirstBase代辦協助取得EIN 。

Read More