2021 年 7 月 25 日 / / 7月

【拾號期】碼農筆記本週報

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拾號期

本週報看點：

Tech Tarik！: Apple Watch Series 7？ | Amazon倉庫新夥伴：Ernie & Bert | Facebook允許全職遠程辦公 

Sunday Kopitiam：儲蓄，理財，投資，投機的真的目的你清楚幾個？

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Tech Tarik! - bg

Tech Tarik!

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其他精彩內容

最新款的Apple Watch很有可能叫Apple Watch Series 7，將有一個更快的處理器，一個更新的屏幕，以及超寬頻功能，可能不會有血糖監測功能，而蘋果一直在開發這一功能。彭博社稱，這一功能可能還要等幾年才能準備好。蘋果公司正在開發一款極限運動型的蘋果手錶，據信將在2022年推出。這個型號將更直接地與Garmin Instinct和Casio G-Shock手錶等產品競爭，這兩款手錶都有堅固的設計，不太可能因摔倒和刮傷而損壞。

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亞馬遜的倉庫工人可能很快就會有一對新同事加入, 厄尼（Ernie）和伯特（Bert），目的為盡量減少工人受傷的可能性。亞馬遜宣布了到2025年將可記錄事故率降低50%的目標。 Ernie幫助將物品從機器人貨架上移走，這樣員工就不必去做。 Bert是亞馬遜首批自主移動機器人（AMRs）之一，可以獨立瀏覽設施，甚至在工人走動時也可以。與其他機器人不同的是，Bert不需要停留在一個受限的空間，這意味著工人可以要求它在設施中搬運物品。亞馬遜表示，Bert最終可以搬運更重的物品，不久的將來可能還會迎來多兩款新機器人 – Scooter和Kermit，是另外兩個正在開發的運送手推車的AMR。亞馬遜表示，這些類型的機器人可以接管工人在設施間搬運空包裹的任務，這樣他們就可以專注於需要批判性思維能力的活動，減少體力勞動。

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Facebook將開始允許員工申請跨越國際邊界的遠程工作 ,該公司將允許美國員工在加拿大申請遠程工作，允許歐洲的員工在英國申請遠程工作。 2022年1月，該公司將允許員工在歐洲的七個國家之間永久流動。扎克伯格說，想在辦公室工作的員工將被要求至少有一半的時間來上班。這是為了確保辦公室保持活力，並確保進入辦公室的員工能夠充分利用成為該社區的一部分。 Facebook計劃為辦公室和遠程工作人員組織定期的當面聚會，”以支持關係的建立”.

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Sunday Kopitiam

儲蓄，理財，投資，投機的真的目的你清楚幾個？

儲蓄：慢慢把錢存起來，等到退休/沒收入的時候把錢花掉例如：定期（FD）

建議：記賬的習慣，分配好每個category所需的花費，先還所需的費用（水電，房貸。車貸）銀行只需要存入生活費和緊急備用金

理財：把所需的生活費扣除後一部分的閒置資金（能承受不能馬上提現），回報率通常能高過通貨膨脹（每個國家不一樣）

建議：stashaway，基金，儲蓄保險

投資：投資和理財不同是風險會比理財來的高（可能理財是0風險），本金可能不會回本，但是回報率通常要設定在10%以上，投入本金去獲利。

建議：初學者或者不想一直看著股市可以試看ETF，股票投資重要的是選擇有未來而且本身也了解關於公司的相關業務，看好他的長期未來能夠賺錢。

投機：投機和投資主要不同在於投機主要獲利來自價差，預測不到賺多賺少，關鍵在投入的時間點，時間對本金可能會翻倍，時機錯有可能被套著甚至賠光，獲利和虧損速度快，假如完全沒相關知識就等於在賭博。

如果你不關心明天是否開盤，你是在投資，反之就是在投機 – 巴菲特

建議：【短期投機】假如遇到現金套牢，不應該變成【長期投資】的思想，搞錯了就導致現金流被套牢，無法有足夠的現金去投資更有價值的投資。

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