關於 foreign exchange rate ，我們在網路上蒐集到這些相關的討論、資訊與評價

The joy of travelling, shopping and feasting, don't we all miss it?
.
Although I can't travel overseas during this pandemic period, I can still shop online from my favourite overseas store like Amazon and eBay.
.
With HSBC Everyday Global Account, I can buy, save, transfer and spend in 11 currencies. I can start saving by buying foreign currencies at a competitive rate for my current shopping needs and future travel. I can purchase USD now as it is low. I can purchase things online from US though I can’t travel there now.
.
I don’t have to worry about the overseas transaction fees as the amount will be deducted directly from my USD account. I also don’t have to worry about foreign exchange losses as the unused amount will be kept in the USD account. I’ll know exactly how much I’m paying! I also don’t have to worry about any foreign exchange losses if my money is refunded at a later date – I’ll get back exactly the same amount I paid.
.
Shopping online is easy and hassle free now with HSBC Everyday Global Account as I can shop online from overseas websites without worrying about hidden fees and exchange rates loss.
.
HSBC Everyday Global Account is your global all in one account in your pocket. It is the ideal account for your everyday banking, everyday rewards, multicurrency convenience and to shop and travel with.
.
So, who's ready to shop and save?

* Terms and conditions apply.
#HSBCWeCanWeDo #TogetherWeThrive #HSBCMY #HSBCEverydayGlobalAccount
#EverydayConvenience #GlobalBankInYourPocket

整理得很好

【**川普做了哪些40年來其他總統沒做的事?**】中共就是這幾任包括柯林頓，小布希，歐巴馬給搞到為所欲為，不管川普是否連任，這4年能夠把中共搞到崩潰邊緣，他真的不簡單!

**這裡整理幾點，他做了那些前任總統沒做的事?**

**1. 讓反共成為美國共識:**
* 正式公開承認過去幾十年對中政策的錯誤，並將中國與中共分開，認定中共所領導的中國為「有別於民主」的獨裁國家，視其為「新威權主義」

**2. 讓反共成為民主自由國家共識:**
* 呼籲並整合西方國家，在民主自由與極權暴政之間只能選邊站，價值觀勝過經濟誘因
* 在這次疫情，願意第一個出來講真話，讓我們不用活在指鹿為馬的世界，指出就是因為中共隱匿疫情，造成全球染疫超過千萬，死亡超過50萬人，經濟停擺，損失無可計算，四億多全職工作消失不復返，生活模式改變
* 甚至，他點出了 [#宗教自由](https://www.facebook.com/…/%E5%AE%97%E6%95%99%E8%87%AA%E7%9…)，喚醒我們與中共的差別，西方民主國家不要忘記我們的價值觀，行善止惡的重要性

**3. 斷絕中共資金來源:**
* 進行貿易戰，提高關稅，迫使各國紛出走中國
* 提供優惠措施，輔導美企出走中國
* 嚴審中概股，逼迫中企會計公開透明，被迫在自由市場滅頂
* 限制經由香港的資金流動
* 對中國敏感科高科技出口禁令擴展到香港
* 下令美聯邦退休基金撤出中國，禁止用美國公務及老兵的退休基金去投資中國，使其製造武器來威脅美國人/士兵生命，過去幾任總統都是這樣做
* 美國八成假貨來自中港，不但危害智慧產權，消費者安全，更打擊市場公平性，川普對這些產品進行關稅制裁
* 進行《香港自治法》的簽署: 潛在制裁對象還首度包括國際金融機構，可導致中港銀行無法與美國銀行交易、不能使用美元結算，以打擊中港方資金鏈

**4. 斷絕中共技術來源，消滅「中國製造2025」:**
* 抵制中興、華為及與中共及解放軍有關係的中企
* 阻斷中國晶片來源，沒了心臟，所有設備根本出不了中國
* 對美國涉及千人計劃的學者、科學家開鍘，並對源頭中國駐美使館進行公開譴責
* 反制習近平「軍民融合戰略」竊取高科技，針對中國公民和學生進行簽證禁令，禁止具任何解放軍背景公民、學生與研究人員的再入境，撤銷簽證，甚至逮捕，一解放軍軍官以學術研究到美，在機場被捕，面臨最高10年刑期
* 正在進行「年度國防授權法案 (NDAA)」的簽署: 公布竊取美商業機密、威脅國家安全或經濟健康的個人或公司名單，[#向竊取技術的企業實施懲罰](https://www.facebook.com/…/%E5%90%91%E7%AB%8A%E5%8F%96%E6%8…)，包括凍結他們在美國的資產，及禁止美國公民與這些公司和個人進行交易的制裁，還包括加強美國供應鏈的措施，以及擴大與中國導彈防禦系統整合的限制

**5. 5G:**
* 正式宣布華為國安威脅，目前世界已有多國正式宣布不用華為進行5G基礎建設，這對全世界各國國家安全極為重要，菲律賓即因電網用華為設備，中共可遠端停電菲律賓48小時
* 美憂中國監視及竊盜資料，海纜准通台灣，不准通香港

**6. 印太戰略**
* 美國對中國擴張問題，不再只是內容空泛的抱怨，反而是堅強的執行意志。從新加坡李顯龍公開表示，希望華府不要逼新加坡與東協在美、中兩國選邊，很明顯就是針對美國印太戰略在發言
* 美國正在亞太地區部署前所未見的軍力，目前美軍部署在亞太地區的兵力為37.5萬人，占美軍總兵力的28%，其中包括60%的海軍艦艇、55%的陸軍部隊，以及2/3的陸戰隊兵力
* 美國前總統歐巴馬8年任期中，在南海只執行4次航行自由行動，然而川普上任迄今四年已執行22次，是歐巴馬的11倍

**7. 台灣**
* 稱蔡英文為台灣總統，國務卿蓬佩奧公開稱讚台灣在民主自由的貢獻，並支持台灣加入WHO等國際組織
* 台灣被確認是美國印太戰略核心夥伴，公開邀請參加八月南海軍演
* 2016年共和黨首度將《六項保證》納入黨綱
* 《台北法案》: 內容涵蓋台灣對外關係、美台經貿關係和台灣參與國際組織，增強美台雙邊經貿關係，並要求美政府促進台灣國際參與
* 《2018年亞洲再保證倡議法》其中第209條款「對台灣之承諾」重申支持美國與台灣在政治、經濟及安全的合作，規定「美國總統應依來自中國之威脅而定期對台軍售」
* 《台灣旅行法》: 促進兩國高層交流
* 重啟台美FTA談判
* 美方加強參與台灣國艦國造
* 軍售台灣: 18枚MK-48 AT重型魚雷，66架F-16戰機，派里級巡防艦、AAV7兩棲突擊車、人攜刺針飛彈250枚、拖式2B型飛彈769枚、標槍飛彈及迅安系統後續支援，HARM反輻射飛彈50枚、聯合距外武器（JSOW）空對地飛彈56枚、MK48魚雷46枚、標準二型（SM-2）飛彈16枚、MK54輕型魚雷168枚、4艘紀德級驅逐艦AN /SLQ-32（V）3電戰系統性能提升、SRP偵蒐雷達後續維持、MK41垂直發射系統，C-130 運輸機、F-5 戰鬥機、經國號戰鬥機，M1A2T戰車、M88A2裝甲救濟車、M1070A1 重裝備運輸車、M1000 重裝備運輸板車、FIM-92刺針便攜式防空飛彈、122把M2重機槍、216把M240通用機槍
* 進行《台灣防衛法》的簽署: 確保美軍有能力保護台灣安全，包括評估採取有限核武來嚇阻中國

**8. 香港**
* 制裁傷害香港自治的中港官員，包括: 中共政治局常委，負責港澳事務的韓正，加速中共高層內部的分裂
* 通過《香港人權與民主法》，撤銷香港特別待遇，包括禁止出口軍民兩用技術到香港
* 著手撤銷香港在引渡條例、出口管制、旅遊及獨立關稅區地位等領域所享有的特殊待遇
* 進行《香港自治法》的簽署: 對破壞香港自治的中港官員，凍結其在美資產，禁止入境美國；潛在制裁對象還首度包括國際金融機構，可導致中港銀行無法與美國銀行交易、不能使用美元結算，以打擊中港方資金鏈

**9. 新疆**
* 2019年10月，美國宣布將28個打壓新疆穆斯林的中企列入黑名單
* 2020年5月，美國宣布將中國公安部法醫研究所和8家中企列入經濟黑名單，並將33個協助中國政府監控維族，或與中國解放軍及大規模殺傷性武器有關聯的企業、機構、個人列入黑名單
* 通過《2020 年維吾爾人權政策法案》，呼籲禁止在中國境內外對這些族群的任意拘留、酷刑和騷擾，將制裁監禁超過百萬穆斯林的中國官員，制裁手段包括：凍結中國有關官員的在美財產、拒絶他們入境、拒發或取消簽證

**10. 媒體:**
* 今年2月，美國已將新華社、中國環球電視網（CGTN）、中國國際廣播電台（CRI）、《中國日報》發行公司，以及《人民日報》發行商美國海天發展公司列為外國使團
* 今年3月，美國要求削減60位中國籍記者
* 今年4月，白宮史無前例地批評美國之音為中國政府做宣傳。新任執行長在6月初通過國會核准，原本貝內特（Amanda Bennet）在內多名美國之音高管宣佈辭職
* 今年5月，美國限制中國籍記者簽證90天
* 今年5月，川普與推特等社群媒體槓上，怒斥打壓言論自由
* 今年7月，新增4家中共官媒為外國使團，包括: 中央電視台（CCTV）、中國新聞社（中新社）、《人民日報》和《環球時報》，從此需向美國國務院提供在美員工的名單及他們在美租賃或持有的房地產清單

**11. 疫情前，2019年底的美國經濟表現**
* 失業率維持在 3.5%，創 1969 年以來新低
* 執政 3 年美股飆逾 50%，高居歷屆總統第一
* 招聘人數的增加和工資的上漲推動了消費者支出，消費者支出占美國經濟的三分之二以上
* 美國是2019年G7唯一經濟增速將超過2%的國家
* 至2019年12月，美國經濟已連續第126個月持續增長，是有記錄以來最長的經濟增長期
* 美國股市的總市值攀升至創紀錄，1.5倍於其GDP
* 強勁的美國經濟在2019年繼續吸引來自世界各地的投資，使美元匯率升至歷史新高

**12. 國際組織**
* 川普大聲譴責目前「過於以中國為中心」的國際機構，包括WHO等
* 以行動退出世衛及拒絕提供資金後，世衛終於在6月30日承認中國並非第一個告知疫情，也就是中共違反世界衛生條例，並沒有在24小時內告知世衛，也代表全球都有法源依據跟中共求償
* 川普政府的國家安全小組甚至在考慮建立一個全新的國際衛生組織，以使美國能擁有更大影響
* WTO秘書長突然在今年5月辭職
* 川普表示: 聯合國是一個過時的組織。暗示應成立一個以民主自由國家，有共同價值觀為前提的組織，並開始邀請各國參加G11

What did Trump do that the former presidents did not do?

1. Making Anti-CCP a consensus in the United States:
* Formally and publicly acknowledged the mistakes of the China policy over the past few decades, separated China from CCP, and regarded China led by CCP as a dictatorship, different from democracy countries

2. Making Anti-CCP a consensus in the democratic and free nations:
* Appealed the democratic and free nations to stand together against CCP. Western countries is forced by CCP to choose side between persistence in freedom and acceptance of Beijing’s bully tactics, between value and economic incentives.
* In this epidemic, told us the fact that it’s because of the CCP’s deliberate concealment, more than 10 million people have been infected, more than 500,000 people have died, more than 400 million full-time jobs have disappeared, and our lifestyle is forced to be changed.
* Pointed out the importance of religious freedom and awakened us the differences between us and the CCP. CCP is a regime that oppresses her people’s religious freedom. Western democracies should not forget our insistence on freedom and beliefs

3. Cut off the sources of CCP funds:
* Carried out trade wars, raised tariffs, forced the companies and the investment to move out of China
* Provided preferential measures to assist US companies to move out of China
* Passed a bill that would prevent companies that refuse to open their books from listing on Wall Street. This move is aimed to "kick deceitful Chinese companies off US exchanges."
* Restrict the flow of funds through Hong Kong
* Directed federal pension fund to halt investments in Chinese stocks
* Imposed tariff sanctions on Chinese fake products
* Passed the Hong Kong Autonomy Act to require the imposition of sanctions on foreign individuals and banks that participate in China’s oppression of Hong Kong

4. Cut off the sources of high-tech technology and knowledge acquired by CCP, and eliminate the possibility of Made in China 2025:
* Boycotted ZTE, Huawei, and the Chinese companies which are related to the CCP and the PLA
* Block CCP's access to acquire the high-end chips
* Arrested the scholars and scientists involved in the Thousand Talents Program, and publicly condemned the Chinese Embassy accused to lead this program in the US
* Ordered a ban on issuing visas to the Chinese people, students and researchers with PLA background, in order to prevent Xi Jinping's "military-civilian integration strategy" from stealing US high technology
* Signed "National Defense Authorization Act (NDAA)": published a list of individuals or companies that steal US trade secrets, threaten national security or economic health; Penalize the companies that steal technology, including freezing their US assets; Prohibit U.S. citizens from trading with these companies and individuals...and so on.

5. 5G:
* Barred American firms from selling tech and supplies to huawei without first obtaining a license to do so and restricted companies like TSMC, a Taiwan-based firm, from exporting computer chipsets and other key components to Huawei.
* At the same time, warned the world that Huawei products will pose a risk to their national securities. Now, the tide is turning against Huawei, many countries have given up using Huawei equipments on their 5G instructure.
* According to CNN, because of using huawei equipments, the Philippines' power grid is under the full control of the Chinese government and could be shut off in time of conflict
* Denied Google to use a direct connection between the US and Hong Kong, due to a significant risk to security

6. Indo-Pacific Strategy
* The United States is no longer just complaining about the content of China's expansion, but rather a strong will to execute. Li Xianlong from Singapore stated publicly that he hopes that Washington will not force Singapore and ASEAN to choose sides in the United States and China.
* The United States is deploying unprecedented military power in the Asia-Pacific region. Currently, the US military has 375,000 troops deployed in the Asia-Pacific region, accounting for 28% of the total US military strength, including 60% of naval ships, 55% of the army, and around 66% Marine Forces
* During the eight-year term of the former President Obama, only carried out four freedom of navigation operations in the South China Sea. However, Trump has carried out 22 times in the four years so far, which is 11 times that of Obama.

7. Taiwan
* Ignoring CCP’s intimidation, the secretary of State Pompeo publically and officially called Tsai Ing-wen the President of Taiwan. Also, praised Taiwan’s contribution to democracy and freedom, and supported Taiwan’s accession to WHO and other international organizations
* Publicly announced Taiwan is the core partner of the US-Indo-Pacific Plan, and openly invited Taiwan to participate in August Joint Navy Exercise in South China Sea
* Reiterated the "Six Guarantees" for Taiwan in 2016
* Signed "Taipei Act": It aims to increase the scope of US relations with Taiwan and encourage other nations and international organizations to strengthen their official and unofficial ties with this nation
* Signed "Asian Reassurance Initiative Act 2018" : It aims to support the close economic, political, and security relationship between Taiwan and the United States, to faithfully enforce all existing United States Government commitments to Taiwan, to counter efforts to change the status quo and to support peaceful resolution acceptable to both sides of the Taiwan Strait, to conduct regular arms sales To Taiwan
* Signed "Taiwan Travel Law": It aims to encourage the travel of high level United States officials to Taiwan

8. Hong Kong
* In May 27, 2020, announced by the Secretary of State under the Hong Kong Human Rights and Democracy Act that Hong Kong no longer enjoys sufficient autonomy in order to justify special treatment by the US
* In May 28, 2020, announced that the United States would initiate the process of revoking Hong Kong’s favorable treatment under US law
* In July 1st, 2020, passed the Hong Kong Autonomy Act. It’s aimed to provide for mandatory sanctions against individuals, entities and financial institutions in response to China’s National Security Law for Hong Kong.

9. Xinjiang
* China has rounded up at least a million Uighurs in Xinjiang and imprisoned them in what it calls "re-education camps." An investigation found that most of the detainees were imprisoned due to their religious practices and culture, rather than extremist behavior.
* In October 2019, banned the import of products made by a firm in Xinjiang over its use of forced labor, also, blacklisted 28 Chinese entities for their role in the repression of Uighurs and issued visa restrictions on key Chinese officials
* In May 2020, added 33 companies to the United States’ economic blacklist of Chinese companies with ties to China’s military. The Commerce Department explained the banning of these companies, claiming that they are “complicit in human rights violations and abuses committed in China’s campaign of repression, mass arbitrary detention, forced labor and high-technology surveillance against Uighurs, ethnic Kazakhs, and other members of Muslim minority groups in the Xinjiang Uighur Autonomous Region.”
* In signed into a law an act authorizing sanctions against Chinese officials over the mass detention and surveillance of Uighur Muslims in China's western Xinjiang province. The new legislation is the most significant action by any country to punish China over its treatment of ethnic minorities.

10. Media:
* In February, require five Chinese state-run media organizations to register their personnel and property with the U.S. government, granting them a designation akin to diplomatic entities.The five organizations affected are Xinhua News Agency; China Global Television Network, previously known as CCTV; China Radio International; the parent company of China Daily newspaper; and the parent company of The People’s Daily newspaper. All five meet the definitions of "foreign missions" under the Foreign Missions Act, according to the State Department.
* In March, ordered several Chinese media organizations to dismiss 60 U.S.-based Chinese nationals
* In May, reduced the length of work visas for journalists from China employed by non-U.S. media will be to a maximum of 90 days. Chinese reporters can apply for extensions, each one also limited to 90 days
* In the end of May, after Trump's complained reminding, Twitter has flagged a tweet written in March by a Chinese government spokesman that the US military brought the novel Coronavirus to China, as the social media platform ramps up fact-checking of posts.
* In July, announced that four more Chinese media organizations will be treated as foreign diplomatic missions, including: China Central Television (CCTV), China News Service (China News Service), People’s Daily, and Global Times.

11. Before the epidemic, the US economic performance at the end of 2019
* Unemployment rate remains at 3.5%, a new low since 1969
* During Trump’s three years in power, U.S. stocks soared by more than 50%, ranking first among successive presidents
* Increased recruitment and rising wages have driven consumer spending, which accounts for more than two-thirds of U.S. economic output, and its health has helped the economy maintain a stretch of growth that is now in its 11th year.
* In G7 in 2019, the United States is the only country with an economic growth rate of more than 2%
* As of December 2019, the U.S. economy has expanded for a record 126 straight months, the longest time period in the country’s history according to the National Bureau of Economic Research.
* The total market value of the US stock market climbed to a record, 1.5 times GDP
* In 2019, the strong American economy attracts investment from all over the world,bringing the dollar exchange rate to a record high

12. International organizations
* Loudly accused WHO of being very "China-centric" and withdrawn from the WHO by action and refusing to provide funds, the WHO finally admitted on June 30 that it was alerted by its own office in China, and not by China itself, to the first pneumonia cases in Wuhan.
* Trump is even considering to establish a new international health organization to allow the United States to have greater influence
* WTO Secretary-General suddenly resigned in May this year
* Trump even called for reform of outdated United Nations, implying that an new UN organization should based on the common value as democracy and freedom. Hence, he is starting to invite more democratic countries into G7

เซเนกัล จากอดีตเมืองท่าค้าทาส สู่ความท้าทายในปัจจุบัน /โดย ลงทุนแมน
ช่วงศตวรรษที่ 15 ถึงศตวรรษที่ 19 เปรียบเสมือนฝันร้ายของชาวแอฟริกัน
มหาอำนาจในยุคล่าอาณานิคมต่างเดินทางมาแอฟริกาเพราะต้องการ “แรงงานทาส”

หนึ่งในแหล่งค้าทาสที่สำคัญในสมัยนั้น คือประเทศที่มีเมืองหลวงตั้งอยู่ตะวันตกสุดของทวีปแอฟริกา...
Continue ReadingSenegal from former slave traffickers to current challenges / by Investing Man
The 15th to 19th century is like an African nightmare.
The power of colonial hunting era came to Africa because they wanted ′′ slave labor ′′

One of the major source of slave traffickers in those days is the country with capital in Africa's continent's far west.
named ′′ Republic of Senegal ′′

What story is this country going through
Investing man will tell you about it.
╔═══════════╗
cuddle Update the situation and economic situation with Blockdit
There's a podcast to listen to on the go.
Blockdit.com/download
╚═══════════╝
Senegal name comes from Portuguese that means part of the water.
Due to the west land of the country adjacent to the Atlantic Ocean.

Senegal Capital called ′′ Dakar ′′ located west of the country and west of Africa.

Location is conducive to maritime trade
Dakar becomes the center of West Africa's major trade.

The first nation to set up a trade station is Portugal, the world colonial in the early era.
To exchange goods with African capitalists
Especially ′′ slave labor ′′
To apply to labor in Brazilian cane farm, Portugal colonies in those days.

Slaves in the African continent will be brought to Dakar.
Then boarded to an island called Gory.
A small island 3 km from Dakar city in the Atlantic Ocean.
To wait for exchange with another product
This island place is called ′′ House of Slaves

After Portugal, the power of those days took over this island.
Both England, Netherlands
To export slaves to labor in their colony

But the nation that influences Senegal the most is France.

The year of July. Prof. 1659 West African area becomes a French colony.
This includes Senegal

France set Dakar to be a trade hub with West African countries.
And got the right to occupy Gory Island from Netherlands.
To export slaves to labor in South North America.

And set up a city to expand trade at the Senate River's mouth.
300 km from Dakar city, north along the coastline.
Name this city ′′ St. Louis ′′

France lays the foundation for Senegal as a trade goal to Africa.
Build a railroad between Dakar and St. Louis for shipping.

Also laying the education foundation for locals
To help with product trade
By the founding of the University in Dakar and St. Louis

That's why Senegal uses French in government language.
And use Saefa fringe as the main currency of the country.

And then the 5 century slavery trade ended in mid 19th century.

Later in July Prof. 1960 Senegal is also free from the French colony.
Been ruling the country with president and local government since then.

Even Senegal is a major economic hub of West Africa.
But due to over half of the country, the upper part is in the Sahara Desert.
Making space for farming is limited
So relying on large amounts of foreign food imports and energy.

Assembled with main export products like mineral phosphate. Products from peanut oil fishery are low value.

Government loaned a lot of foreign debt to spend.
And intervene in domestic product prices to low levels.
Senegal is missing the account balance. Keep walking.

Poor in the year. Prof. 1994 Senegal government needs economic reform.

Starting from decreasing 50 % of Zefa's money, causing domestic inflation to 32 % immediately because imported products have higher prices.

From the beginning Senegal used a fixed exchange rate tied to the Euro, it changed to the floating exchange rate.
Reducing government price interventions
And receive subsidy from IMF and other countries like France, USA.

Even the economy can move on.
But Senegal is still missing the account balance. Keep walking.
From relying on foreign imports and subsidies all the time.

Year 2016, lack of accounting. 4.2 % of GDP.
Year 2017, lack of accounting. 7.3 % of GDP.
Year 2018, lack of accounting. 6.9 % of GDP.

So, so
Senegal challenge right now
How to manage resources and value goods in the country
To be more dependent on yourself.
No need to wait for foreign aid all the time.

From Senegal's story, a lesson that we learned.
Although most African countries now have better status from the past with the slave trade.
But these countries are going to have a small economic size.
Because of lack of exportable product development at high value
And rely on importing from foreign goods

Most developed countries are the opposite.
Importing products will be imported to produce high value goods to export.

Trick it's up to what these countries do
To be free from this problem
Which, if possible, will eventually make the economy equal to other countries..
╔═══════════╗
cuddle Update the situation and economic situation with Blockdit
There's a podcast to listen to on the go.
Blockdit.com/download
╚═══════════╝
Follow to invest in man at
Website - longtunman.com
Blockdit-blockdit.com/longtunman
Facebook-@[113397052526245:274: lngthun mæn]
Twitter - twitter.com/longtunman
Instagram-instagram.com/longtunman
Line - page.line.me/longtunman
YouTube - youtube.com/longtunman
References
-https://www.worldbank.org/en/country/senegal/overview
-https://www.britannica.com/place/Senegal
-https://en.wikipedia.org/wiki/Senegal
-https://tradingeconomics.com/senegal/current-account-to-gdp
-https://www.britannica.com/place/Goree-Island
-https://www.britannica.com/topic/transatlantic-slave-tradeTranslated

#美金 #外幣 #換美金
合作信箱✉️ : xshinxli@gmail.com
❗️影片未經同意請勿任意轉載、二次搬運、寫成新聞稿
❗️每月45元幫助我創作更多影片｜https://shinli.pse.is/PD4Q5
—————————————————————

線上購買外幣要看的是即期，現金則是臨櫃
至於買入與買出，你需要把主持代換成銀行
買入👉銀行「買入」外幣 = 你要賣手上的外幣
賣出👉銀行「賣出」外幣 = 你要跟銀行買外幣
領出會需要額外收手續費，這部分之前有拍過影片

通常稱為「讓分」或是「減碼」
簡單來說就是若 A 銀推出兌換美金讓1分（或稱 0.01減碼）的活動，意思是每換 1 塊美金時，銀行都會再回饋 0.01元台幣

中信My Way 👉 讓4分 / 定存19天內0.3%
-新開戶日後90天內透過中信Home Bank APP/網路銀行換匯，可享新臺幣兌換外幣，每次NTD50,000(含)內之單筆即期換匯匯差優惠共3次
網址｜https://www.ctbcbank.com/content/dam/minisite/long/ebank/Openacc/index.html

玉山銀行 👉 讓3.5分 / 1,000美元定存6個月0.4%
-即日起至2020/12/31 ，加入e.Fingo會員並以行動/網路銀行換匯達等值新臺幣3,000元以上，即有機會月月抽「iPad Pro」及「AirPods Pro」等多項好禮，抽獎機會最高100次
網址｜https://www.esunbank.com.tw/bank/personal/deposit/deopsit-event/exchange-rate

iLeo 👉 讓3.5分 / 3,000美元以內定存利率6個月0.45%
iLeo｜https://pse.is/H4H8E (1.2%超高活存利息)
https://www.firstbank.com.tw/sites/fbweb/touch/zh_TW/1565685925168

上海商銀CloundBank 👉 讓3.5分 / 美金活存0.35% (5,000美金以內)
https://www.scsb.com.tw/content/cloudbank/index.html

永豐銀行 👉讓3分 / 定存11% (僅限7天)
-持永豐幣倍卡透過MMA金融交易網/行動銀行以新臺幣結購外幣
-永豐大戶舊戶換外幣可享寶格麗香水抽獎
-可搭配豐存股的美股投資
永豐大戶｜https://shinli.pse.is/TW36T (50萬內1.1% 推薦碼shinli)
網址｜https://bank.sinopac.com/sinopacBT/webevents/2003_dualcc/content_money.html
7天11%定存｜https://bank.sinopac.com/sinopacBT/webevents/20Q3-foreign-exchange-deposit/index.html
永豐大戶 讓1.5分
-未持有幣倍卡

Richart 👉 讓3分 / 活存利率0.4%
Richart ｜ https://tsbk.tw/urwbc/（輸入推薦碼SHINLI4 送Richart造型帆布袋乙個）
詳情｜https://richart.tw/TSDIB_RichartWeb/RC02/RC020201?announceNo=15648

國泰KOKO 👉 讓3分 / 定存6個月0.3%
推薦碼輸入shinli，小於25歲加好友再享100
網址｜https://www.kokobank.com/BANK/ForeignService/ExchangeRate

華南SnY 👉 讓3分 / 活存利率0.25% (3,000美金以內)
詳情｜https://event.hncb.com.tw/sny/sny_foreign_currency.html

綜合考量最優前三名
上海 / Richart / 永豐


✅LINE社群｜ 加入時需輸入密碼shinli
https://line.me/ti/g2/nqnMgLurq6oKZjTmoTeIpQ?utm_source=invitation&utm_medium=link_copy&utm_campaign=default


—————————————————————
*信用卡專區*

💡網購信用卡💡
玉山Ubear ｜https://pse.is/KXJWW （網購/行動支付3.8%）
玉山Pi錢包｜https://shinli.pse.is/PSTRY （PCHome 5%回饋無上限）
GOGO卡| http://comparegroup.go2cloud.org/SH1ju （行動支付/網購6%）
永豐JCB｜https://shinli.pse.is/N4YCD （網購6%）
富邦momo｜https://shinli.pse.is/RBJNF (網購5%回饋無上限)

💡一般購物信用卡💡
聯邦賴點卡｜https://pse.is/DTNEM （國內4%/海外5%）
台新玫瑰Giving卡｜https://shinli.pse.is/vhf4q (假日3%)
富邦J卡｜https://shinli.pse.is/U8UWP （國內3%無上限）
花旗現金回饋Plus｜https://shinli.pse.is/uap54 (指定行動支付10%)
星展eco永續卡｜https://shinli.pse.is/RNHW6 （國內3%現金回饋）
玉山Only｜https://pse.is/J668L （餐廳3.6%回饋無上限）
FlyGo卡| http://comparegroup.go2cloud.org/SH1jp （高鐵/飯店6%）
匯豐現金回饋卡｜https://shinli.pse.is/SWH6N (國內1.22%/海外2.22%)

💡行動支付信用卡💡
台新街口聯名卡 ｜https://shinli.pse.is/u9t7r （綁街口最高5%）
GOGO卡| http://comparegroup.go2cloud.org/SH1ju （LP/街口/Pi錢包6%）

💡里程信用卡💡
匯豐旅人-輕旅卡｜http://comparegroup.go2cloud.org/SH1hy
匯豐旅人-御璽卡｜http://comparegroup.go2cloud.org/SH1hz
匯豐旅人-無限卡｜http://comparegroup.go2cloud.org/SH1i0
國泰亞洲萬里通-世界卡｜https://shinli.pse.is/x8ccv
國泰亞洲萬里通-鈦商卡｜https://shinli.pse.is/vtcus
玉山Only｜https://pse.is/J668L （最高5.2%回饋無上限）

💡公告至2021信用卡💡
聯邦賴點卡｜https://pse.is/DTNEM （國內4%/海外5%）
花旗現金回饋Plus卡｜https://shinli.pse.is/uap54 (指定行動支付10%)
台新玫瑰Giving卡｜https://shinli.pse.is/vhf4q (假日3%)
永豐JCB｜https://shinli.pse.is/N4YCD （網購5%/外送平台10%）
永豐Sport｜https://shinli.pse.is/N4YCD （健身房/運動用品/藥妝店8%）
玉山Pi錢包｜https://shinli.pse.is/PSTRY （國內最高5%）
玉山UBear icahs聯名卡｜https://pse.is/KXJWW （網購/行動支付3.8%）
玉山e.Fingo｜2a5GCNHG (輸入推薦碼享抽獎機會)
iLEO｜https://pse.is/H4H8E (72萬1.2%超高活存利息)
遠銀Bankee｜https://pse.is/FDDA4 （2.6%活存利息）

*高活儲網銀專區*

永豐大戶｜https://shinli.pse.is/TW36T (50萬內1.1% 推薦碼shinli)
Richart ｜ https://tsbk.tw/urwbc/（輸入推薦碼SHINLI4 送Richart造型帆布袋乙個）
王道銀行｜https://pse.is/KGYJB (享100現金回饋)
iLeo｜https://pse.is/H4H8E (1.2%超高活存利息)
遠銀Bankee｜https://pse.is/FDDA4 （2.6%活存利息）

*APP推薦*
富果帳戶｜https://shinli.pse.is/M4Q9V (註冊享108元)
新光證券｜https://shinli.pse.is/3a3qpk（註冊完成步驟享500元手續費抵用金）
開戶完成後，將姓名、身分證、電話寄信至 yali@skis.com.tw
並註明「SHINLI推薦」，即可享有抵用金
全聯｜O4EL1D8 （輸入推薦碼享200點）
家樂福｜A542GMO (輸入推薦碼享9,000點)
註冊Shopback👉https://shinli.pse.is/SR4UE (享100獎勵金)

來源視頻 和 金融原理解釋，見本頁頁底。
-----------
網上討論會
(請在本視頻的議論欄發言。有見地的內容，我會抄貼到這裏下面。)
討論會題目﹕
假如郭文貴關於港幣貶值的預言屬實，港府(如突然敢冒大不諱行駛基本法賦與的高度自治權)可以做什麼，來挽救廣大市民，避免或減少損失?
^^^^^^^^^^今後, 以上管叫[總題目]^^^^^^^^^^

F (Zen Gong指 1. 中國銀行發鈔，有可能背後的美元儲備有水份。2. 發鈔量是美元儲備的4.2倍。 )
1. Money Supply M2 in Hong Kong is $14,063 billion HKD in August 2018. HK's Foreign Exchange Reserves is $424.8 billion USD in August.
https://tradingeconomics.com/hong-kon...
https://tradingeconomics.com/hong-kon...
The problem is: the figures are provided by all banks based on a honest system. HSBC & HK Chartered Bank are British banks they would play by the rule. But China Bank (HK)'s $USD reserve is in HK or Beijin? as part of China's $USD? i.e. they can have no $USD at all in HK. M1 are bank notes, bank credit & plastic monies, M2/M3 include short/long term credit. They can switch between easily that make auditing extremely difficult.
2. In HK's Foreign Exchange Reserve basket the composition mainly (80+% by IMF rule) is $USD, rest are Euro, Yen and Yuan. The fixed rate is a 7.8. The $USD reserve is USD$424.8 billion and HK's M2 money supply is HK$14,063 billion in August. The variable/unpegged rate should be HK$14,063/US$424.8=33.1 not 7.8 today. Or, USD $424.8B x 7.8= HK $3,313 billion its USD reserve can support, not HK$14, 063 billion M2. HK printed 4.2 times monies it should, not including M3 (long term credit) and figures provided by banks might be grossly exaggerated.

E (KIU WAI LAM 提供一些具體數字)
香港最新外匯儲備資產數字
香港金融管理局（金管局）2018年10月5日（星期五）公布，香港於2018年9月底的官方外匯儲備資產為4,264億美元（2018年8月底為4,248億美元）（附件）。
連同未交收外匯合約在內，香港於2018年9月底的外匯儲備資產為4,188億美元（2018年8月底為4,172億美元）。
為數4,264億美元的外匯儲備資產總額，相當於香港流通貨幣約7倍，或港元貨幣供應M3約46%。

D (原來“ 路德社”頻道有更專業和深入的討論，我請你請參考)
連結: https://youtu.be/Tx7oY042u7g
10/13/2018 路德时评（对冲基金大佬良心小哥）：这几天大量突增的对港币维稳的洗脑文章，以及12日港财政司司长突赴京与央行行长商讨对策，港币是否能夠撐的住？(普通話)
點題:
1. 設郭文貴說白港幣將貶值的(中國日期)10月10日是day 1； days 2 & 3 立刻發生幾件事:(i)國內有貌似專業的長文講港元不會同美元脱鈎, 被容許發表；但列舉了香港M0, M1, M3的數字, 偏偏不提最相關的M2。(ii)財政司司長陳茂波赴京見中央銀行行長易綱, 但報導非常簡短，耐人尋味; 可能反映他們要暗示中央會為港元托底, 但又不敢說白有危機。
2. 全面回顧了1997年索羅斯狙擊港元的歷史, 及其意義, 又指出事前事後北京可都視索羅斯為"中國的老朋友", 貴為上賓。
3. 嘉賓講者特別提出, 索羅斯狙擊英鎊和其他金融操作佳績連年, 當年狙擊港元卻要敗退, 是中共津津樂道的威水史, 但是, 剛剛以非法交易罪宣判郭文貴的政泉公司案罰款600億人民幣破了全球有史以來最高罰金的紀錄, 卻無大吹大擂, 是盜國賊自知理虧, 底氣不足, 缺乏自信, 末日近矣。
4. 1:21:00有網友問港府可不可以禁止做空港幣, 算是對下面A貼的[總題目]的一個回答, 嘉賓講者以A3的邏輯回答。從路德的總結, 又可推算即使港府敢開徵「炒港幣稅」, 中共也麻煩，因為暴露了盜國賊違法造成港幣超發來吸金，將斷了這條吸金的通道，配合當世界出現其他反共招數的時候, 中共少了這金融“後援”, 會加速潰敗。這也局部回答了A5的道德兩難的困惑。

C (明杜志可算是回應以下的A4點)
1. hk foreign reserve got only 300 billion us dollars
2. 沖唔到港元架，香港有2萬億港元再加銀行體糸可以回撥，金管局可以下令唔借港元比外資沽空，其實97金融風暴已經沖過，佢地沽港股抽高個息再沽港元，結果佢地都係輸住走，如果甘易沽到港元脫勾，港元一早脫左啦

B (Eric Chan 可算是回應以下的A5點)
身為香港人, 雖然唔情願港紙遭受狙擊, 但若一時陣痛換來長治久安, 香港人亦唯有默默承受!!

[從這裏開始，... 的符號表示原文已大幅刪節，因為Youtube說明欄的上限是5000字符，業已超過。請到Tsui Hon Kwong頻道和花生台本視頻的留言欄閱讀全文。]

A (我自己來開個頭)
Tsui Hon Kwong: 港府可以宣佈徵收「炒港幣稅」！細節如下。
1. 把正常經濟活動和炒買炒賣港幣兩種行為分開。再細節，1.1 例如，...如能開具證明，是正常經濟活動所需，不在規管範圍之內。...1.2 怎樣防止假證明？...尤其是，盜國賊最清楚是他們自己造假或行賄造成港幣超發的，...他們深知加入炒賣必賺，就會出盡法寶假扮是正常經濟活動；...。在個難題上，仍有待大家...。
2. 把炒港幣的潛在利潤，用稅收抽走。再細節，2.1 某個銀碼以下的兌換，保留免稅，...。那麼，界線該劃在哪裏好呢？我認為在一千萬美元左右較恰當。...。2.2 稅率多少才好？至少要同潛在利潤掛鈎，...。
3. 徵收「炒港幣稅」會不會沾污香港是自由貿易港的美名，影響到經濟步向蕭條？...
4. 「炒港幣稅」是否有效？是不是有重大缺失，根本不可行？...
5. 道德兩難問題﹕一方面，郭文貴認為港幣貶值將在中共倒台、全國實現民主法治的過程中起得到關鍵作用，...。另一方面，最避不開港幣大貶值的是...基層人民...；整體經濟、民生發展、方方面面都會出現極大困難；再...漫延到全國，以致郭文貴都說﹕「...我心裏很難受，我跨不過那個坎，因為我看到這些行動真的在實踐中，我真的很難受。...，好幾次我在陽台...，眼淚就掉下來，受不了呀。」...這，就是道德兩難：找方法避免貶值或減弱貶值及其帶來的損失，是道德的嗎?...
-----------
詞語解釋(出場序)
CCP ----- 中國共產黨, China Communist Party

Kayle Bass ----- 美國對沖基金經理人。Wikipedia: In 2008, Bass successfully predicted and effectively bet against the U.S. subprime mortgage crisis by purchasing credit default swaps on subprime securities which, in turn, increased in value when the real estate bubble burst.
Bass has made prominent bets on Japan, European sovereign debt and, most recently, China. He has also given his expectations regarding the economic future of Japan and Argentina.

P2P ----- peer to peer, 一種網路借貸平臺，由非政府、非銀行的機構集資，答應投資人優厚利率，然後貸款給需要資金的企業或個人。幾年前中共許多官員為這些新興的金融機構站台，從民間圈到許多資金。數月前國內大量P2P公司倒閉或負責人挾款失蹤，令投資者血本無歸。論者認為都是被貪官掠去了。

泛亞 ----- 如上，也是國內一間集資公司，許多官員向全國公眾推薦，說既安全、回報又高。幾年前又倒閉，令許多投資者賠上畢生積蓄。論者認為都是被貪官掠去了。

民族證券 ----- 郭文貴在國內的公司之一。損害郭的利益的目標之一。盜國賊殘害其員工，掠奪其資產；都是為了要脅郭就範，迫他停止點名揭露諸如王歧山等盜國賊的違法網絡和罪行。

徐明 ---- 冤案主角, 大連實德集團董事長, 2013年因涉薄熙來案，獲刑入獄, 作為污點證人指證薄熙來貪腐, 獄中表現良好, 提前釋放, 但在即將獲釋前猝死

李明 ----- 冤案主角, 著名影视公司小马奔腾董事长，涉公安部副部长李东生案被带走协助调查，官方说李明在询问中情绪激动，注射了镇静剂之后不治身亡。

雷洋 ----- 冤案主角, 北京便衣警察懷疑市民雷洋有嫖娼行為，在拘捕過程中雷洋逃脫後被再次拘捕，押解途中雷洋死亡。次日，該事件發布到網絡，引起了輿論的廣泛關注。官方說他是因為自瀆而死

「我的弟弟」----- 郭文貴、他弟弟和另一個女性家人(可能是嫂嫂)是1989年支持天安門學生運動的北京市民之中的三個。三人被捕，警局中有警員拔槍要殺女家人，他弟弟撲過去保護她，中彈，失救而死。

孟建柱 ----- 郭文貴揭露違法罪行的四名頭號盜國賊之一。

王樂泉 ----- 中共官員，官至中共中央政治局委员，新疆維吾爾自治區黨委書記。2010年被中共免去在新疆的所有職務。现任中国法学会会长。

----------------------------------------------------------
來源視頻﹕
https://youtu.be/rwttNTC0Izo
10月9号：C C P如果攻击台湾，美国会不会出兵？为什么说港币和人民币会垮掉？保护台湾香港极为重要！
(郭文貴頻道，美國日期2018.10.9) (普通話)

金融原理﹕
https://youtu.be/YPC6bhJv760
为什么说香港也会存在货币超发？为什么历史上阻击做空港币比较困难？为什么此次上万亿美元阻击港币加上金融大杀器一定能够成功？
(路德社直播台，美國日期2018.10.9) (普通話)

Guide to money in Japan - 5 things to know before your trip! Should you take cash or cards, where to get Japanese Yen and lots of tips and advice.

GET MY TRAVEL GUIDEBOOK: https://www.cakeswithfaces.co.uk/product/japan-travel-guide-book/

SUBSCRIBE for more travel guides and vlogs from Tokyo, Fukuoka & Osaka.

- How Expensive is Tokyo? https://youtu.be/0kkHrTQsi44
- Japan Trip Planning Checklist: https://youtu.be/OhbjDd8DqzQ
- How to Get Around Tokyo: https://youtu.be/rvqitrtmziY

In this video I answer all the things I wanted to know before I first went to Japan:
- How much cash do I need?
- How do you exchange Yen? (What's a good rate?)
- How to work out how much things cost
- Should I take cash or credit cards?
- Do foreign cards work in ATMs?
- Are foreign cards accepted in Japan?

KAWAIIJA T-SHIRT available from https://www.cakeswithfaces.co.uk
Etsy: https://www.etsy.com/shop/cakeswithfaces

FOLLOW Cakes with Faces:
https://www.facebook.com/cakeswithfaces
https://www.twitter.com/cakeswithfaces
http://instagram.com/cakeswithfaces
http://google.com/+CakeswithfacesCoUk

The music is free, created with Jukedeck. Sound effects from Freesound.