人生值得投資的項目 (六之一)、債券 (The Thing Worth to Invest in Life. (6.1) Bonds)

        When we achieve healthy cash flow and accumulate assets through our core business growth, investing in the stock market can present an opportunity to grow those assets even further. With the benefit of time over the long run, the rate of asset growth can also compound and expand. However, this growth is rarely a simple, straight upward line — instead, it’s often a wave-like pattern (see Figure 1), full of ups and downs that constantly affect the emotions of investors.

        我們因本業成長取得了良好現金流並累積資產時，投資股票市場是有機會將資產做進一步成長的。在取得長久的人生時間灌注下，資產的放大比率也會跟著增加。然而，這很可能不會是一條單純的向上曲線，而是充滿了起伏 (圖一)，不斷影響投資人心情的波浪線條。

圖一、股票市場的上下起伏

        短期內假使遇到金融危機，在股市的資產大幅縮水下，投資人想提領現金將需要克服很大的壓力。此時資產配置裡如果包含了相對起伏較穩定的標的，投資人的心情也會相對穩定，而不易被市場牽動。以下博格勝將概述三種相對穩定的投資資產：債券、定存及儲蓄險。而對於每種資產的存在目的也會解釋。

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人生值得投資的項目 (五)、投資企業與股市 (What thing is worth to Invest in Life? (5) Investigate Enterprises and Stock Markets)

    Can the personal cash flow created through self-investment be further increased?

    The answer is yes — personal wealth can grow further through investing in businesses and the stock market. In the market, there are securities (namely, stocks) that represent ownership in a corporation. When a company needs to raise capital, it can issue these securities to investors in exchange for ownership stakes.

       Once investors receive these ownership certificates, they become shareholders and start sharing both the profits and the risks that come with the company.

        透過自我投資下創造的個人現金流，有辦法進一步增長嗎？

        個人財富透過投資企業與股市，是有機會的。市場上存在的有價證券 (即股票) 代表了股份有限公司所有權。如果公司需要籌措資金，可以將該證券發給投資者進行所有權分配。投資者得到所有權憑證後即成為股東，也開始分享公司擁有的利潤以及風險。

        取得股票最簡單的方式為開立一個證券商，透過正規的市場交易取得。在股票市場投資方式可粗略分以下三種：

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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。

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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。

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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” 。

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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。

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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。

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