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I got Covid this week and still tried to keep doing something else apart from my work. So, I continue reading the book The Theory of Interest by I.Fisher I think I have never thought of defining income. What is income? Income to a labourer like myself means the

I am currently working in the lending business. We charge borrower interest. Recently, I am tasked to work on PnL, and interest loss. But I have little understandings on interest. Why is there an interest? What is interest? How does it determined? The questions came into my mind when I

The book is written by Chris Vos, a formal FPI hostage negotiator. That’s why the book titled “Never Split the Difference” since in a hostage situation, you cannot say: give me 2 hostages, you can have the rest. I remember the negotiation class I took as a first year

今天週日，晚上和室友到外面吃飯的時候聊到了能源的話題，尤其是最近新聞常常報導的核聚變，聽起來如果成功的話，人類將會有用之不盡的能源，加上人工智能的發展，機器代替人類工作指日可待。我不是這兩方面的專家，甚至對核聚變是什麼也不是很了解，但是就算有這樣的好科技，我相信我們還是要工作的。（可以理解，不用工作是一個大家非常嚮往的事情） 在這個烏托邦，所有的東西都是從天上掉下來，世界這麼美好，家庭和睦下，出生率應該會上升，慢慢的天上掉的餡餅也不夠分了，競爭變得激烈，大家生活就沒有從前那麼無憂無慮了。但是，也有可能天上的餡餅也是無限的，就算人多了，還是夠分。如果掌握核聚變技術，和人工智能技術的國家，公司和人，都是不求回報的，那麼能源和機器生產力，確實可以依照人口來調節，而不用增加平民的負擔，不過這不太可能吧。那麼如果機器自己掌握了核聚變技術有無盡的能源，還懂得自己生產，機器是不是會依據人口，來分發餡餅給人類，人類就永遠不用工作了？但是，為什麼聽上去像是養豬一樣。

I am reading a book called The New Map: Energy, Climate, and the Clash of Nations. I learned that the United States become one of the top three oil and gas exporters in the world after discovering shale, and China imports around 70% of the local demand. This immediately sparks

This would be a rather casual article just to keep up with the writing habit. Recently, I have been quite busy with my daytime work, and I have spent less time writing. I usually spend my free time, either working on some side projects or learning (Of course, wasting some

資本利潤的起落，與勞動工資的起落，同樣取決於社會財富的盛衰，但是資本增加，雖然會提高工資，但同時回降低利潤，因為資本之間相互競爭，比如同一件貨物，美國的貨品要和中國的貨品競爭，資本的利潤率一定要比中國低，因為美國的工資比較高。如此說來，資本利潤，和貨幣利息降低，是社會繁盛的自然結果。 一個國家的財富，若以儘其國土能獲取的限度，就沒有進步的可能，人口繁殖達到國土能支持的極限或其資本能雇用的極限，就再沒有增加的可能，這時，對於職業的競爭，會使勞動工資低落到僅僅能支持現有勞動者數量的程度，而資本之間的競爭，回導致利潤少到無可再少。在富裕的國家，僅僅靠貨幣利息生存，除非是大富豪，否則是不可能的。 法律和社會體制也會影響利率，如果法律不保障合約的效力，會對高利率；完全禁止利息，也是可行的，因為為了規避法律，利率要比較高才能抵銷風險。