關於 small capital letter ，我們在網路上蒐集到這些相關的討論、資訊與評價

Someone sent this to me. I agree. We cant keep using lockdowns to handle this situation. Poverty is on the rise.💙😌

-“ A CMCO on KL and Selangor is overkill. What happened to targeted lockdowns? We cannot be lurching from one lockdown to the next, especially for Klang Valley. Do mass testing with antigen RTK to quickly identify and isolate positive cases. (https://codeblue.galencentre.org/2020/10/12/klang-valley-lockdown-no-dine-ins-jogging-work-letter-needed-to-cross-kl-selangor-putrajaya/)

What is the justification for such a strict lockdown on the entire capital city and Selangor? Are we going to see police roadblocks throughout KL and Selangor like during MCO 1? The government must reverse this decision. It is a wholly disproportionate public health response.

With just 34 local Covid cases reported in KL within past 14 days as of yesterday, the govt shuts down the entire capital city? Putrajaya only has 13 cases. Selangor has 224 cases, but only two are red zones (Petaling - 53 cases, Klang - 82 cases).

A Klang Valley CMCO is completely irrational.

And news flash, economic sector can't continue if you prevent people from going out. And obviously we'll see Covid cases reported every day because we can never eradicate the virus until we get a vaccine. After lockdown is lifted, then Covid cases will go up again. Then what?

The MCO was supposed to buy us time to prepare the health care system for future outbreaks, NOT to eradicate the virus. What did we do for the past six months since MCO in March? Are you saying we didn't prepare enough?

WHO has warned against using lockdowns as a primary means of controlling the virus, stating it could have a dramatic impact on poverty. What exactly do you hope to achieve with a Klang Valley lockdown? Slow the virus transmission to prepare some more? Aren't we already prepared?

The government has repeatedly said, as recently as less than a week ago, that our health care system is prepared for Covid outbreaks. So what on earth is the justification for a Klang Valley CMCO that generally prohibits people from leaving home except for work/ buy necessities?

PM said May 1 that it’s impossible for any country to hit zero Covid cases. Ismail Sabri repeated this point on Oct 3. What I want to know is — what exactly is a tolerable number of daily Covid cases in a district for the govt? 20? 50? 100? Or nationwide — 200? 500? 1,000?

MOH claims that they advised a Klang Valley CMCO to prevent yellow zones from turning red, as various districts are recording new cases every day. Well, of course we'll see Covid infections daily; that's the nature of the disease. The old govt narrative (which it has since discarded) during the early days of the RMCO of less than 50 daily cases, or even ZERO cases a day, made absolutely no sense.

With increased testing, we’ll naturally pick up more cases. The more you test, the more you get. Important thing is to expand testing so that we detect and isolate infectious people quickly. So it doesn’t matter even if we record hundreds of cases, as long as we isolate quickly.

Now police are saying they'll mount roadblocks in the same way like the first MCO in March. So is this CMCO or MCO 1? Expect huge traffic jams in Klang Valley if the cops are gonna check each car for an employment letter to get to work. And if authorities are going to treat Klang Valley CMCO like MCO 1, expect to see the repeated hurdles to seeking medical treatment that cancer patients previously suffered, not to mention postponed appointments for regular medications from clinics for those with chronic conditions like diabetes and high blood pressure. (https://www.malaymail.com/news/malaysia/2020/10/12/cmco-police-to-mount-roadblocks-again-in-kl-selangor-putrajaya/1912050)

I'm sorry to say, but Malaysia's Covid public health policies since the Sabah election were an absolute shambles. No restriction of peninsula-Sabah travel during the election, either for politicians/ campaigners/ voters (the EC could have allowed outstation voters to vote in peninsular stations; they didn't). No enforcement of SOPs on any campaign rally during the election. No mandatory 14-day quarantine upon return from Sabah. No significant expansion of testing -- either RT-PCR or rapid antigen tests.

And before the election, no prosecution of lawmakers who clearly (and even admitted themselves) broke SOPs, including mandatory quarantine. I don't think enforcers even checked government premises to see if they follow the SOPs that they enforce on private citizens and businesses, like MySejahtera check-ins, provision of hand sanitizers, or wearing face masks. Visit government offices in Putrajaya and see how many actually comply with SOPs. Parliament doesn't mandate MySejahtera and hardly provides any hand sanitizer throughout the entire building.

The government also ignored repeated warnings from medical professionals and civil society about prison and detention centre outbreaks. Worse, enforcers even dragged people to police stations and made them wait in crowded and congested areas just to receive their saman. The Sabah surge came from cases first reported on Sept 1 in the Lahad Datu police lock-up and Tawau prison.

And now suddenly, wham, a two-week lockdown on the entire Klang Valley, even though the country's main Covid hospital, Sungai Buloh Hospital, is located in Selangor, not to mention the many other tertiary hospitals in the Klang Valley. Of all places, Klang Valley has the best public health care system. How can Klang Valley not be prepared for a Covid outbreak?

People may be allowed to go to work during the CMCO, but what about small businesses and roadside stalls? Only privileged white collar workers can afford to work from home. And only lawmakers and civil servants can go through any lockdown without worrying about next month's salary.
Boo Su-Lyn (no idea who that is)

187 TỪ VƯNG KHÔNG THỂ KHÔNG BIẾT CHO SINH VIÊN KINH TẾ
===========================
SHARE về tường ngay, kẻo trôi mất thì uổng ^^

1. Crossed cheque (n) : Séc thanh toán bằng chuyển khoảng
a cheque that has two line across ot to show that it can only be paid into a bank account and not exchanged for cash
2. Open cheque (n) : Séc mở
3. Bearer cheque (n): Séc vô danh
4. Draw (v) : rút
5. Drawee (n) : ngân hàng của người ký phát
bank or person asked to make a payment by a drawer
6. Drawer (n) = Payer người ký phát (Séc)
person who write a cheque and instructs a bank to make payment to another person
7. Payee(n): người đươc thanh toán
8. Bearer (n) : người cầm (Séc)
Person who receive money from some one or whose name is on a cheque
The Clearig House Automated Payment System
9. In word : (tiền) bằng chữ
10. In figures : (tiền) bằng số

11. Cheque clearing : sự thanh toán Séc
12. Counterfoil (n) : cuống (Séc)
a piece of paper kept after writing a cheque as a record of the deal
which has taken place
13. Voucher (n) : biên lai, chứng từ
14. Encode (v) : mã hoá
15. Sort code (n) : Mã chi nhánh Ngân hàng
16. Codeword (n) : ký hiệu (mật)
17. Decode (v) : giải mã (understand the mean of the message writen in code)
18. Pay into : nộp vào
19. Proof of indentify : bằng chứng nhận diện
20. Authorise (v) : cấp phép => Authorisation (n)

21. Letter of authority : thư uỷ nhiệm
22. Account holder (n) : chủ tài khoản
23. Expiry date : ngày hết hạn
date on which a document is no longer valid
24. ATMs Automatic Teller Machine
25. BACS : dịch vụ thanh toán tư động giữa các ngân hàng
The Bankers Automated Clearing Service
26. CHAPS : hệ thống thanh toán bù trừ tự động
27. EFTPOS : máy chuyển tiền điện tử lại điểm bán hàng
Electronic Funds Transfer at Point Of Sale
28. IBOS : hệ thống trực tuyến giữa các ngân hàng
29. PIN Personal Identification Number
30. SWIFT : Tổ chức thông tin tài chính toàn cầu
The Society for Worldwide Interbank Financial Telecommunications

31. GIRO : hệ thống thanh toán nợ giữa các ngân hàng
32. BGC : ghi có qua hệ thống GIRO
Bank GIRO Credit
33. Magnetic (adj) : từ tính Magnetic Stripe : dải băng từ
34. Reconcile (v) : bù trừ, điều hoà
35. Circulation (n) : sự lưu thông Circulate (v)
movement of money round a country
36. Clear (v) : thanh toán bù trừ
make payment of a cheque through the system
=> Clearing bank (n) : ngân hàng tham gia thanh toán bù trừ
=> Clearing house (n) : trung tâm thanh toán bù trừ
central office where clearing bank exchange cheques
37. Honour (v) : chấp nhận thanh toán
38. Refer to drawer (n) : viết tắc là R.D: “Tra soát người ký phát”
39. Non-card instrument : phương tiện thanh toán không dùng tiền mặt
40. Present (v) : xuất trình, nộp

41. Outcome (n) : kết quả
42. Debt (n.) : khoản nợ
43. Debit (v) : ghi nợ (money which a company owes)
44. Debit balance : số dư nợ
balance in an account showing that the company owes more money than in has receuved
45. Direct debit : ghi nợ trực tiếp
46. Deposit money : tiền gửi
47. Give credit : cấp tín dụng
48. Illegible (adj) : không đọc được
49. Bankrupt Bust : vỡ nợ, phá sản
50. Make out (v) : ký phát, viết (Séc)

51. Banker (n) : người của ngân hàng
52. Place of cash : nơi dùng tiền mặt
53. Obtain cash : rút tiền mặt
54. Cashpoint : điểm rút tiền mặt
55. Make payment : ra lệnh chi trả
56. Subtract (n) : trừ
57. Plastic money (n) : tiền nhựa (các loại thẻ Ngân hàng)
58. Sort of card : loại thẻ
59. Plastic card (n) : thẻ nhựa
60. Charge card : thẻ thanh toán
plastic card issued by a shop and used by customers when buying sth that they will pay later

61. Smart card (n) : thẻ thông minh
small plastic card with an electronic chip tha record and remember information
62. Cash card (n) : thẻ rút tiền mặt (card use to obtain money from cash dispensers)
63. Cheque card (n) : thẻ Séc
64. Bank card (n) : thẻ ngân hàng
65. Cardholder (n) : chủ thẻ
66. Shareholder (n) : cổ đông (person who owns shares in a company)
67. Dispenser (n) : máy rút tiền tự động
machine which gives out money when a special card is inserted and instructions given
68. Statement (n) : sao kê (tài khoản)
(list showing amounts of money paid, received, owing…& their tota)l
=> Mini-statement (n) : tờ sao kê rút gọn
69. Cashier (n) : nhân viên thu, chi tiền (ở Anh)

70. Teller (n) = cashier : người máy chi trả tiền mặt
71. Withdraw (v) : rút tiền mặt => Withdrawal (n)
72. Deduct (v) : trừ đi, khấu đi
73. Tranfer (v) : chuyển
=> Transaction (n) : giao dịch
=> Transmit (v) : chuyển, truyền
74. Dispense (v) : phân phát, ban
75. Terminal (n) : máy tính trạm
computer screen and key board connected to a computer system
76. Reveal (v) : tiết lộ
77. Maintain (v) : duy trì, bảo quản
78. Make available : chuẩn bị sẵn
79. Refund (v) : trả lại (tiền vay)

80. Constantly (adv) : không dứt, liên tục
81. In effect : thực tế
82. Retailer (n) : người bán lẻ
83. Commission (n) : tiền hoa hồng
84. Premise (n) : cửa hàng
85. Due (adj) : đến kỳ hạn
86. Records : sổ sách
87. Pass (v) : chấp nhận , chuyển qua
88. Swipe (v) : chấp nhận
89. Reader (n) : máy đọc

90. Get into (v) : mắc vào, lâm vào
91. Overspend (v) : xài quá khả năng
92. Adminnistrative cost : chi phí quản lý
93. Processor (n) : bộ xử lí máy tính
94. Central switch (n) : máy tính trung tâm
95. In order : đúng quy định
96. Standing order (n) = SO : uỷ nhiệm chi
97. Interest-free : không phải trả lãi
98. Collect (v) : thu hồi (nợ)
99. Check-out till (n) : quầy tính tiền

100. Fair (adj) : hợp lý
101. Subsidise : phụ cấp, phụ phí
102. Cost (n) : phí
103. Limit (n) : hạn mức Credit limit : hạn mức tín dụng
104. Draft (n) : hối phiếu
105. Overdraft (n) : sự rút vượt quá số dư, dự thấu chi
106. Grovelling (adj) : luồn cúi, biết điều
107. Remittance (n) : sự chuyển tiền
108. Quote : trích dẫn
109. Reference (n) : sự tham chiếu

110. Interest rate (n) : lãi suất
111. Mortgage (n) : nợ thuế chấp
112. Abolish (v) : bãi bỏ, huỷ bỏ
113. Mandate (n) : tờ uỷ nhiệm
114. Out going (n) : khoản chi tiêu
amount of money spent; espenditures
115. Remission (n) : sự miễn giảm
116. Remitter (n) : người chuyển tiền
117. Leaflet (n) : tờ bướm (quảng cáo)
118. Orginator (n) : người khởi đầu
person or company initiating a banking transaction
119. Consumer (n) : người tiêu thụ

120. Regular payment : thanh toán thường kỳ
121. Billing cost : chi phí hoá đơn
122. Insurance (n) : bảo hiểm
123. Doubt (n) : sự nghi ngờ
124. Excess amount (n) : tiền thừa
125. Creditor (n) : người ghi có (bán hàng)
person or business to whom another person or business owes money
126. Efficiency (n) : hiệu quả
127. Cash flow (n) : lưu lượng tiền
128. Inform : báo tin
129. On behalf : nhân danh

130. Achieve (v) : đạt được
131. Budget account application : giấy trả tiền làm nhiều kì
132. Reverse (n) : ngược lại
133. Break (v) : phạm, vi phạm
134. Exceed (v) : vượt trội
135. VAT Reg. No : mã số thuế VAT
136. Originate (v) : khởi đầu
137. Settle (v) : thanh toán
138. Trace (v) : truy tìm
139. Carry out (v) : tiến hành

140. Intermediary (n) : người làm trung gian (person who is a link between two parties)
141. Correspondent (n) : ngân hàng có quan hệ đại lý
142. Telegraphic transfer : chuyển tiền bằng điện tín
143. Instant cash transfer : chuyển tiền ngay tức thời
144. Mail transfer : chuyển tiền bằng thư
145. Absolute security (n) : an toàn tuyệt đối
146. Straighforward (adj) : đơn giản, không rắc rối
147. Boundary (n) : biên giới
148. Reliably (a) : chắc chắn, đáng tin cậy
149. Domestic : trong nước, nội trợ

150. Significantly (adv) : một cách đáng kể
151. Local currency (n) : nội tệ
152. Generous (adj) : hào phóng
153. Counter (v) : quầy (chi tiền)
154. Long term (n) : lãi
155. Top rate : lãi suất cao nhất
156. Headline (n) : đề mục (báo, quảng cáo)
157. Free banking : không tính phí dịch vụ ngân hàng
158. Generous term : điều kiện hào phóng
159. Current account (n) : tài khoản vãng lai

160. Recapitulate (v) : tóm lại, tóm tắt lại
161. Security courier services : dịch vụ vận chuyển bảo đảm
162. Beneficiary (n) : người thụ hưởng (person who received money or advantage from st)
163. First class : phát chuyển nhanh
164. Upward limit (n) : mức cho phép cao nhất
maximum permissible amount (# downward limit)
165. Facility (n) : phương tiện
166. Gateway (n) : cổng máy tính
167. Outward payment (n) : chuyển tiền đi
168. Inward payment (n) : chuyển tiền đến
169. Accompany (v) : đi kèm

170. Interface (n) : giao diện
171. Non-profit : phi lợi nhuận
172. Operating cost : chi phí hoạt động
173. Documentary credit : tín dụng thư
174. Entry (n) : bút toán
175. Meet (v) : thanh toán
176. Capital expenditure : các khoản chi tiêu lớn
177. Home banking : dịch vụ ngân hàng tại nhà
178. Remote banking : dịch vụ ngân hàng từ xa
179. Day-to-day : thường ngày

180. Manipulate (v) : thao tác
181. Recovery : sự đòi lại được (nợ)
182. Adaptor (n) : thiết bị tiếp trợ
183. Periodically (adv) : thường kỳ
184. Dependant (n) : người sống dựa người khác
185. Grant (v) : chất thuận
186. Inefficient (adj) : không hiệu quả
187. Debate (n) : cuộc tranh luận

波克夏應不應該配息？可以參考一下：

Berkshire shouldn't pay a dividend during Buffett's reign for four reasons. The first is that dividends are woefully tax inefficient, as Buffett elucidates in this year's annual letter and in past ones. Essentially, the tax man's taking a cut of the annual dividends you receive lowers the long-term trajectory of your total investment return. By keeping cash inside the business and reinvesting at high rates, you instead let your gains compound while deferring your tax bill. You end up wealthier overall as a result.

The second point Buffett makes is that many, if not most, Berkshire investors are net savers who may not actually want dividends, including me. The third is that, with modern-day trading costs at nominal levels, large shareholders can simply sell small bites of their Berkshire stake over time. Why subject 100% of Berkshire investors to a tax-inefficient return on capital that many of them don't even want when the small minority of those insistent on current income can simply sell small lots of shares?

The fourth point is key, though Buffett is too kind to say it himself: Warren Buffett is a better investor than you. You will not be able to match his returns for a number of reasons including, but not limited to, his decades of experience, temperament, razor sharp wit, dexterity across style boxes and asset classes, and access to choice deals like ones he scored with Heinz and Bank of America. Berkshire also has a bevy of high-quality, capital-hungry businesses that can wolf down large amounts of capital while still earning high returns on investment. Berkshire is the last stock in your portfolio you want paying you a dividend.

How to write English capital and small letter in cursive | Pencil handwriting | Calligraphy

本田技研工業株式会社
..... Honda Motor Co . Ltd.) is a major machine industrial ..(.. manufacturer of HONDA MOTOR CO.,LTD. based on Japan. A motorcycle, a car, and a general-purpose product are chiefly manufactured from the brand of "Honda". A robot and a small airplane like ASIMO also are developing as a new field. Establishment person's Soichiro Honda is famous as the manager and the engineer, and the name of the company is 1 named from this Mr. family name. It was established in the ninth as an automaker in Japan. The headquarters has its own building of the 16th floor every 2 chome in the Tokyo Minato Ward Minami-Aoyama on the ground four floors in the underground. Alias..country..securities exchange..display..HONDA.

The logo is a design of HONDA of an alphabetic capital letter in red. It came to use the mark that was called, HONDA was "Communications name" as VI (visual identity) based on CI of HONDA (Corporate identity) as a name of the company mark by the scene that did not use the logo at the end of 2000. This is two to use in an alphabetic mark as HONDA is positive by the one assumed to be "Honda", and to demand the mark of "Honda" or "HONDA" the treatment of the name of the company from the news organization. There is a thing that is called "Honda" because neither French nor Spanish, etc. pronounce H.
HONDA Shari (Shaly) is a car name of the motorcycle that Honda Motor Co., Ltd. had manufactured before.
Outline

Shari aims at the moped that can enjoy it in all families, and debuts in 1972. The owner had popularity also in the young person layer that was called a yankee though were chiefly a lot of housewife layers. Suparcab and the monkey similar remodeling parts of same HONDA are abundant and there are ..doing.. still a lot of fans ..the production end... A high share of the middle-aged woman who faced work in the fields with dust and Shari was seen well in the peculiarity in Yamanashi Prefecture.

The main feature

* The height of stepping over when getting on and off is designed low with 4
0 centimeters.
* Engine that is appropriate for practical use of Cab system
* Automatic centrifugal clutch
* Two velocity rotary type changing the speed
* The back and forth circle handbrake
* Tire of nine centimeters in width
* Front cover
* Steering lock
* Helmet holder
* Reception desk basket (shopping putting)
* Side career (option)

Moreover, the first three velocity automatic car in HONDA was added in 1981.

本田技研工業株式会社
..... Honda Motor Co . Ltd.) is a major machine industrial ..(.. manufacturer of HONDA MOTOR CO.,LTD. based on Japan. A motorcycle, a car, and a general-purpose product are chiefly manufactured from the brand of "Honda". A robot and a small airplane like ASIMO also are developing as a new field. Establishment person's Soichiro Honda is famous as the manager and the engineer, and the name of the company is 1 named from this Mr. family name. It was established in the ninth as an automaker in Japan. The headquarters has its own building of the 16th floor every 2 chome in the Tokyo Minato Ward Minami-Aoyama on the ground four floors in the underground. Alias..country..securities exchange..display..HONDA.

The logo is a design of HONDA of an alphabetic capital letter in red. It came to use the mark that was called, HONDA was "Communications name" as VI (visual identity) based on CI of HONDA (Corporate identity) as a name of the company mark by the scene that did not use the logo at the end of 2000. This is two to use in an alphabetic mark as HONDA is positive by the one assumed to be "Honda", and to demand the mark of "Honda" or "HONDA" the treatment of the name of the company from the news organization. There is a thing that is called "Honda" because neither French nor Spanish, etc. pronounce H.
HONDA Shari (Shaly) is a car name of the motorcycle that Honda Motor Co., Ltd. had manufactured before.
Outline

Shari aims at the moped that can enjoy it in all families, and debuts in 1972. The owner had popularity also in the young person layer that was called a yankee though were chiefly a lot of housewife layers. Suparcab and the monkey similar remodeling parts of same HONDA are abundant and there are ..doing.. still a lot of fans ..the production end... A high share of the middle-aged woman who faced work in the fields with dust and Shari was seen well in the peculiarity in Yamanashi Prefecture.

The main feature

* The height of stepping over when getting on and off is designed low with 4
0 centimeters.
* Engine that is appropriate for practical use of Cab system
* Automatic centrifugal clutch
* Two velocity rotary type changing the speed
* The back and forth circle handbrake
* Tire of nine centimeters in width
* Front cover
* Steering lock
* Helmet holder
* Reception desk basket (shopping putting)
* Side career (option)

Moreover, the first three velocity automatic car in HONDA was added in 1981.