板橋區文化路段421巷11弄1號 (陽光甜味咖啡館)
新埔捷運站1號出口 旁邊7-11巷子進入20公尺 看到夏朵美髮院 左轉 PM7:00--9:30
----睡覺時間是周公的，上班時間老闆的，
唯有下班時間是自己的，難道你要看著電視(還是加班?!)度過嗎?
奪回下班時間的自主權吧！把握下班時間完成大大小小的人生夢想吧！
----《下班後的黃金8小時》不是要你把下班時間排得更滿，
而是希望把寶貴的時間，投資在更有意義的事情上!
《下班後的黃金8小時》/時間水蛭
Book Review: The Other 8 Hours by J.D. Roth getrichslowly
Before I started Get Rich Slowly, I was a slacker. I’d get up in the morning and drive to a job I hated where I gave almost no effort. When I came home in the evening, I’d fritter away my time: I watched TV, played Magic: The Gathering, and — most of all — whiled away the hours with World of Warcraft or other computer games.
As I started my financial turnaround, I made a conscious decision to make better use of my time. I slept for about eight hours a day, and I worked for about eight hours a day, but I could use the other eight hours for anything I wanted, including finding ways to get out of debt and build wealth. I believe this decision changed my life.
Obviously, I’m not the first to realize that the smart use of free time can contribute to a better life. Many others have made this discovery, too. And in Robert Pagliarini’s recent book The Other 8 Hours, the author lays out a plan to help readers “maximize your free time to create new wealth and purpose”.
Here’s how Pagliarini describes his thesis in the book’s introduction:
This book is about the 8 hours in the day when you are not working or sleeping. This “free” time is the most valuable resource you have to achieve your ideal life…How you spend the other 8 hours determines where you are in life, your happiness, your weight, your level of debt, the satisfaction you have with your relationships, the car you drive, the languages you speak, your love life, your education, the places you travel, your bank account balance, and just about everything else that is important to you.
The Other 8 Hours is divided into four sections, each of which lays out the author’s case that it’s what you do in your free time that determines whether you achieve your goals — or simply get by. Let’s take a quick look at each part of the book.
Get 9 hours out of 8. The book suggests you can get more time to do what you want by outsourcing parts of your life. You can also boost your time and income by taking a second job that lets you multitask.
Practice limited multitasking. Pagliarini says you can make the most of your time by “chunking” mental and physical tasks together. For example, you might listen to an audiobook while driving to work. Or do brainstorming/planning while exercising every day.
Tap into the power of positive thinking. The author emphasizes the needs for “sparks” that help trigger the behavior changes you’re after. (I’m trying to implement sparks in my own life to improve my fitness, by the way.)
Use technology to your advantage. Don’t use technology for its own sake, but don’t be afraid to use a tool if it’s going to improve your life and give you more time. (I’ve recently begun using DropBox, for example, because it reduces the time I spend shuffling files around.)
The Other 8 Hours has an entire chapter on LifeLeeches, those seductive activities that suck all of our time. These include the obvious — blogs, television, videogames — but also some subtle LifeLeeches such as maximizing, gossiping, and disorganization.
Q:
Are you a slacker?
Do you drift away your time: watched TV, played computer games after work?
How to make better use of your time?
How to “maximize your free time to create new wealth and purpose”?
What are your opinion about “Life Leeches”?
How to use technology to your advantage?
How to practice limited multitasking?
How to get rid of bad habits?
新貧窮線
New poverty line chinapost By Kuan-lin Liu
Taipei residents earning NT$22,000 a month — an infamous number that has come to represent wage stagnation in Taiwan — are about to move into the lower-middle income bracket.
Wang Yu-hua, who graduated from the history department of a Taipei-based university five years ago, said she was astonished to find that she would qualify as a "lower-middle" income earner beginning next year.
She said that for a long time, her monthly salary had remained virtually unchanged due to Taiwan's stagnant economy.
"I would try to change jobs for better pay but I might risk losing my present employment as the job environment is so bad," she told The China Post.
The Taipei City Government announced Thursday that it would raise the city's poverty threshold by NT$382 for the upcoming year, taking the city's poverty line from NT$15,162 to NT$15,544.
Once the NT$382 increase takes effect, anyone making less than NT$15,544 a month would qualify as a low-income person.
People like Wang who make less than NT$22,207 a month would qualify as a lower-middle income individual starting in 2017, a fact is drawing media attention because the current minimum wage for Taiwan workers is NT$21,008 a month.
According to Taipei's Department of Social Welfare, the poverty line for low-income individuals and households was calculated based on the city's latest median household income figure.
Households that make less than 60 percent of this figure qualify as low-income households. This median household income figure, which differs by city, cannot exceed 70 percent of the national per capita income for households to qualify.
Furthermore, the threshold that separates the lower-middle income bracket from the middle class is equal to 1.5 times the minimum cost of living for the city.
Taipei's minimum cost of living for 2016 is NT$15,162 — a figure reached by dividing the household income by the number of people in the household.
In other words, the rising poverty threshold is a reflection of Taipei's increasing costs of living.
Q:
What are your opinion about New poverty line?
What are your opinion about People who make less than NT$22,207 a month would qualify as a lower-middle income individual?
What are your opinion about Taiwan's stagnant economy?
Do you want to change jobs for better pay?
What are your opinion about costs of living in Taipei?
What are your opinion about Social Welfare in Taiwan?
貧窮線調整 對民眾有何影響？
臺北市上修「貧窮線」，低收入戶認定標準調高至一萬五千五百四十四元；中低收入戶認定標準也調高到兩萬兩千兩百零七元，額度超過22K，也高於基本工資。有媒體報導，臺北市月領22K將列中低收入戶，讓低薪族群更心酸。不過，低收入戶或中低收入戶的認定標準，都是用「家庭總收入平均分配給全家人口」來計算，不會因為個人月領22K就成為中低收入戶。
什麼是貧窮線？中華經濟研究院教授吳惠林指出，每個人所得不一樣，有些人收入比較豐厚，有些人卻三餐難以為繼，陷入貧窮；「貧窮線」是政府為了實施社會福利政策、幫助貧窮人口，參考各種指標所訂的救濟標準。
我國貧窮界定 最低生活費用
吳惠林說，貧窮是世界各國長期存在的問題，各國都希望幫助貧窮、消除貧窮，但如何定義貧窮？世界銀行企圖釐清貧窮門檻，主張生活物質低於維生需求就是貧窮，提供各國參考。
每個國家因為經濟狀況、生活需求不同，貧窮的界定指標也不一樣，臺大社會學系教授薛承泰表示，我國是用《社會救助法》中的「最低生活費」作為判斷低收入戶的基準，一般人就把「最低生活費用」當作貧窮線。
薛承泰表示，最低生活費是用家庭總收入、家庭人口來計算，而不是看個人收入，而且還要參考動產、不動產金額等標準；因各縣市生活水準不一，行政院主計總處會在每年底公布各縣市的最低生活費，次年直轄市和縣市政府就可根據這個標準，認定補助資格。
調高貧窮線 可幫助更多人
貧窮線會因生活環境、生活水準的改變而調整。吳惠林指出，貧窮線調高，反映大家生活變得較好，家庭所得提高，但是調高後，在貧窮線以下的人數也跟著變多，政府會需要更多錢來補助更多人，假如政府經費不足，可能會以加稅或舉債來支應。
家扶基金會認為，上修貧窮線可以幫助原本在低收或中低收入邊緣的家庭，將他們納入補助，但縣市政府必須評估自己的財力，就臺北市而言，應可調高，幫助更多人。
政府救濟標準放寬，大家會不會寧願領社會救助而不工作？吳惠林認為，這是社會福利制度的問題，原本政府是為了幫助貧窮的人提供救濟，卻可能造成人的依賴而不想付出勞力。
降低貧窮問題 開放市場競爭
不過，許多人努力工作卻仍貧窮或失業，吳惠林認為，這是政府管制太多的關係，就業環境越是自由開放競爭，對弱勢者越有利。他舉例，政府管制最低薪資和工時，部分業主因為成本增加，便減少聘用的人數或改用時薪人員，結果是讓更多人失業。但各行各業需要的人才不同，應該讓雇主依不同的工作條件訂定工資，大家考量自己的能力，選擇待遇合適的公司，剝削勞工的業主自然會被淘汰，所以在自由市場下，人人找得到工作，貧窮就會減少。
吳惠林認為，人類社會原本建立在分工合作、自助而後人助的精神上，社會救濟只是救急而不救窮，政府應該把經費放在教育上，從根本解決貧窮問題；大家也要付出勞力去獲得生活所需，發揮互助及為他人付出的善行。
六都貧窮線一覽表
直轄市 貧窮線標準
臺北市 15544元
新北市 13700元
桃園市 13692元
臺中市 13084元
臺南市 11448元
高雄市 12941元
資料來源／主計總處105年公告資料
整理／吳啟綜
圖說：
「貧窮線」是政府為了幫助貧窮人口，參考各種指標所訂的救濟標準。圖為美國紐約路人施予無家可歸的人金錢。
美聯社
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