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

A Christmas Story 一個聖誕節的故事

There is much good in the world. Merry Christmas and Happy Holidays!

世上仍有許多美好的事物。聖誕快樂！

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About a week ago, I saw a family receiving help from a charity. The volunteer gave them secondhand clothes and a pair of shoes to a little girl. Her father thanked the volunteer while the little girl looked so happy and jumped around in her new shoes. It deeply touched me. How fortunate I am to live in the comfort of my home without needing to worry about food or clothes on these cold winter days. It also reminded me of my childhood.

大概一個星期前，我看到某戶人家獲得慈善機構的協助。志工提供他們二手衣物，並將一雙鞋子送給了一位小女孩。小女孩的父親看見自己的女兒洋溢著幸福的笑容，連忙向志工道謝，一旁的小女孩則穿起鞋子手舞足蹈。這樣的畫面，深深觸動了我。現在的我無疑是幸運的，無須挨餓受凍，卻不禁使我想起自己的童年。

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When I was younger, my family was also disadvantaged, and I relied on government aid just to be able to eat at times. I still remember wearing secondhand clothes that don't fit and gluing my shoes together because the sole would detach whenever I ran too fast. Now, I have my own educational platform, live a comfortable life, and have a tiny bit of influence. I can and must do much more to help.

年幼時，我生長在相對弱勢的家庭，須仰賴政府補助，才能享用學校的營養午餐。我記得自己穿著完全不合身的二手衣褲，必須用強力膠把鞋子黏好，以防我跑動時鞋底又脫落。如今，我有了自己的教育平臺，生活無虞而有餘裕，也累積了些許影響力。我想，自己必須做的更多。

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I began researching possible ways to contribute to needy children, who honestly do not need English learning more than they need food in their bellies and a coat on their shoulders.

由於聖誕節將近，我開始找尋可能的途徑，來幫助那些有需要的孩子。他們需要的不是學習英語的資源，而是能夠裹腹的食物與得以禦寒的衣物。

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Taiwan has a comparatively low poverty rate, partly due to government efforts and its definition of poverty as being low-income. However, what of those not listed in the government tax records? What about those without a roof over their heads? Even when a family is making what is considered the poverty line—anywhere from 170 to 350 USD per month depending on the area—they still suffer from the lack of resources. Think of how much you are currently earning. Would a family of four or five be able to survive on that if they did not have housing?

臺灣的貧困比例相對較低，部分原因在於政府的努力，另一方面則因「貧困」的定義－－低收入。但是，那些政府未登記在案亦未申報所得稅者，以及無住房供給的人，又該如何是好？即便一個家庭的所得在貧窮線以上（視地區而定，每月所得約介於１7０至３５０美元之間），仍缺乏足夠的資源。想想我們現有的所得，如果一家四口無住房供給，他們是否能夠以此為生？

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I came across a charity program and was inspired by the following (now defunct) charity fundraiser.

我偶然發現了一個慈善計劃，並受到這個慈善募款活動（現已結束）的啟發：http://bit.ly/2WByk8q

We are five international exchange students at NTU who feel welcomed to Taiwan with open arms. In the spirit of the generosity and warmth of the Taiwanese people, we would like to give back by partnering with Andrew Charity Association to provide children in the Taipei area with Christmas gifts in addition to their monthly food boxes delivered by Andrew Charity Association.

我們五位是到臺大交換的國際生。來臺交換期間，承蒙臺灣人熱情的招待，讓離鄉甚遠的我們備感溫暖。因此，我們想與臺灣本土的慈善團體「安得烈食物銀行」合作，於歲末時以「寒冬送暖」的方式，為臺北地區的弱勢兒童送上聖誕小禮、食物箱與新年祝福，讓這份溫暖傳遞給社會中更多的人。

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因此，我立刻搜尋了安得烈慈善協會:

The food boxes from Andrew Food Bank are what these children look forward to the most every month. With the Christmas holidays coming up very soon, we hope to give them another reason to smile in addition to their boxes of food…something small but enough to surprise them and let them know that someone out there cares about them.

安得烈的食物箱是孩子們每個月最期待收到的禮物，聖誕節即將到來，在這個溫馨的節日，我們希望能夠幫助這群孩子的食物箱需用費用之外，同時另外預備適合孩子的聖誕禮物，如文具、保溫瓶等，一份額外的小驚喜，讓他們感受到愛和關懷，也是為他們打氣加油，鼓勵他們在困境中不灰心，帶著希望和勇氣迎接２０２０年。

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I contacted Andrew Food Bank asked them the procedure for donation. I then researched the organization before thinking about what I could do to help.

我聯絡了安得烈食物銀行，詢問了捐贈的相關程序。我研究了並且認同機構的服務宗旨，並思考著如何提供協助。

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Of course, I could start crowdfunding like the original fundraiser, but with Christmas so close, that would take far too long. I needed funding immediately, and then a Christmas miracle happened.

當然，我可以仿效原先的慈善活動開始募資，但聖誕節將至，這會花太多時間。我需募得資金，以實現聖誕奇蹟。

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That night, out of nowhere, I saw a picture of a sponge scrubber exceeding my new book in sales, so I thought it would be humorous to post the picture with a link to the book. That very night, we sold about 600 books! Now I have the funding needed to purchase about 150 gifts! I only make a percentage of the total revenue, so I decided to donate double of all my proceeds from the sale to purchase gifts in addition to the food boxes for these disadvantaged children. It's my small way of saying Merry Christmas to you and giving a little warmth to the needy.

當天晚上，我猛然看見一塊菜瓜布的銷量，在博客來網上超過我出版的新書，當下感到莫名的搞笑，就將之截圖下來，在粉絲專頁中發布貼文，並附上新書的連結。不知為何，當晚我們竟奇蹟般地售出近６００本書！現在，我已募得足夠的資金，得以購買１５０份禮物。由於我只能獲得銷售總額的一小部分，因此我將盡綿薄之力，以我個人銷售所得的兩倍為捐款金額，用於購買這些弱勢孩童的禮物，為有需要的人傳遞些許溫暖，並以此向支持我的朋友們獻上聖誕節的祝福。

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The most basic principle of education is caring for those around you and letting them know you care, whether they are your family, friends, or total strangers.

教育最基本的準則是關懷身邊的人，並讓他們知道你在乎他們，無論他們是你的家人、朋友，抑或是素未謀面的人。

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I am not asking you to donate. Instead, let us just remember this principle of caring. Bring a little warmth into other people's lives. There are many who need your help, and we're all capable of giving so much love and care.

我並非在請求各位捐贈，而是我們都該記得這個有愛的冬天，以及這樣的生活原則。當我們行有餘力之時，不要忘了為身邊的人伸出援手，把愛傳出去。

There is much good in the world. Merry Christmas and Happy Holidays!

世上仍有許多美好的事物。聖誕快樂！

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安得烈慈善協會: http://www.chaca.org.tw/

Eric’s English Lounge 宗旨與目標: https://bit.ly/2BaENzJ

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資料來源:
https://www.gvm.com.tw/article/72938
https://borgenproject.org/poverty-in-taiwan/
https://www.brain.com.tw/news/articlecontent?ID=45670
https://www.chaca.org.tw/happinessangel/foodbank.aspx
https://www.dodoker.com/index.php?r=project%2Fview&id=367

Day 2: Seminar Dunia Pelaburan Saham sesi terakhir Kuala Lumpur 2014 bersama Dato' Dr Nazri Khan, First Vice President Affin Hwang Capital & President of MATA.

"Trading is For Living"....

[MY FORECAST NEW YEAR 2015]

Alhamdulillah. Looking forward to my first political seminar along with Malaysian respectable politicians on 2015 Economic & Stock Market Outlook.

All friends invited to attend. 27th January, Sunway Resort Hotel.

My humble FORECAST in 2015 :

2015 will see USA Federal Reserve unwind its huge USD3 trillion financial stimulus and start to hike interest rates, first time in eight years.

2015 will see Bank Of Japan and European Central Bank to start pumping in USD1 trillion yen and Euro 1 trillion to boost their flagging economies.

2015 will see Malaysia chairing ASEAN and the launch of Asean Economic Community and ASEAN stock exchange by October 2015.

2015 will see the start of mega bank merger in Malaysia. Expect the biggest Malaysian Bank to be born with more than RM100 billion market cap next year.

2015 will see Malaysia finally implement Good Service Tax at 6% (lowest in ASEAN) after the long planning since 1992, Mahathir Prime Minister and Anwar Ibrahim, Finance Minister era. Malaysia are the third last ASEAN countries to implement GST.

2015 will see more than 10 mega IPO in Bursa Malaysia which includes 1MDB, Malakoff, Weststar, Iskandar Waterfront, Al Medini, Khazanah Theme Park, Ekuinas Ilmu, Sunway Construction, Sime Auto and Ecoworld International.

2014 will be officially Bursa Malaysia fourth WORST year in history, after 2008, 1997 and 1994. Year to date, Bursa has dipped 226 points or 11.8% ever since it
touched the highest record on the 8th July 2014.

2014 will be the first Bursa losing year after five straight profitable years since 2008. Not bad, given that Bursa has gained a whopping 1095 points or 135% since 28th October 2008 bottom.

2014 Bursa worst sectors are plantation and oil gas while the best Bursa sectors are technology and construction. All four sectors should be a good buy next year especially technology stocks if USA solid economy continue.

2015 should see Bursa renew momentum and continue the uptrend driven by the return of foreign inflows. As at today, foreign investors hold 45% of Malaysian Bonds and 23% of Malaysian equities, among the lowest in history.

2015 hottest economic issues will be falling ringgit, falling oil, rising inflation, rising interest rates, rising household debt, illicit money outflow and New Economic Model of Malaysian 11th Economic Plan.

2015 hottest political issues will be 1MDB Berhad, Anwar Sodomy Verdict, Seditious Act, Hudud Row, Pakatan Solidarity, Felda Group, Malaysia Airlines Berhad and UMNO New Political Model. Expect to see the rise of Malaysian political temperature and more confrontation Malay liberals vs Malay extremes.

2015 will see oil even cheaper than water. Within five months, oil price has crashed from USD110 to USD55 per barrel. It now costs RM1 to buy a litre of oil, compare
to water which is RM2 a litre. Ironically, RON 95 and Milo Tarik have not fallen as much.

2015 will see more currencies volatility. Forex traders are set to return. Top Five worst currencies in 2014 are Russian Rouble, Chilean Peso, Argentina Peso, Colombian Peso and Ukraine Hryvnia which have tumbled more than 20%. Ringgit which is already down 12% is yet to join the fray. Russia has shockingly raised its key interest rate to 17% from 10% after the collapse of the rouble currency.

2015 will see the return of Avian Influenze H5. Japanese officials slaughtered 4,000 chickens after confirming the H5 strain of bird flu at a poultry farm in the
southwest of the country. More widespread H5 will push Malaysian healthcare and glove stocks higher.

2015 will see the return of El Nino. Australian Weather Bureau confirmed 70% probabilities of El Nino emerging by February 2015 in the Pacific Ocean. This should be supportive of global aggro commodities including Malaysian Palm Oil.

2015 biggest DANGER to Global Stock Market will be GREECE. Signs suggest Greece may leave European Union if the left radicals, Syriza Party win the Greece general election this month. If this materialize, expect Greece exit to tear off Euro.

My overall take : 2015 will be the Best Stock Picking year for all investors and traders, despite higher Malaysian political temperature and rising interest rate, given the solid USA economy, cheaper Bursa stocks, super attractive risk-reward and huge selling seen over the last six month.

~ Nazri Khan, Affin Hwang Investment Bank.