Bực mình vì phải đóng tiền sân tennis khi đi giao lưu

đến giao lưu ở trường của con gái, toàn đồ "free", cảm thấy rất là sung sướng, mà thật ra có free đâu, học phí đã đóng quá cao rồi,

nhưng đi giao lưu tennis, bị bắt đóng thêm 10 usd thì bực mình, vì sao?

-> đó là do nghĩ đến các chi tiêu riêng rẽ nhau, mà ko nhìn vào bối cảnh tổng thể 

-> là lý do đưa ra các quyết định chi tiêu phi lý như trả tiền trước hằng năm cho tiki để được giao hàng miễn phí, hoặc bực mình khi siêu thị bắt mua túi đựng đồ,

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Dear Dan,

Our daughter attends a very expensive private university, where I recently attended an event. There were lots of freebies for us to take, including fancy snacks and notebooks with the university logo. I was excited to get these items, but of course they aren’t really free since we pay so much in tuition.

I thought about this last week when my tennis team was playing a match at a different club, and we were asked to pay a $10 fee to use the facilities. This felt annoying and unfair, even though I spend a lot more than that on my tennis hobby overall. Why did I get so excited about those “free” items and so angry about this small expense, when neither of them really matters in the big picture?

—Juliet

The problem is that we tend to think about each of our expenses separately, rather than seeing them in their overall context. This is the source of many of our irrational financial decisions and emotions—whether it’s paying high fees to money managers who don’t justify the cost, or paying Amazon an annual fee for “free” shipping or getting annoyed when the supermarket starts charging a nickel for a plastic bag. It’s not easy to think clearly about each small expense in terms of our total financial situation, but if you can, you will be able to make better decisions about money.

Bài trước: Ứng dụng miễn phí giúp quản lý chi tiêu

Ứng dụng miễn phí giúp quản lý chi tiêu

nếu chỉ đặt ra hạn mức chi tiêu rồi quên bẵng đi đến cuối tháng mới xem lại thì ko ích gì, thường bị overspend,

điều cần làm là thỉnh thoảng phải phân tích, xem chi nhiều vào mục nào rồi, và từ đó điều chỉnh, để đi đúng hướng, chi tiêu hiệu quả...

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Dear Dan,

I use a budgeting app (ứng dụng quản lý chi tiêu) to set monthly spending goals (hạn mức chi tiêu hằng tháng) for each category of expense, but every month I find that I’ve gone over my limit in multiple categories. Are budgeting apps just a waste of time?

—Anthony

The struggle that you are experiencing is not between you and your app but between your emotional (cảm xúc) self, which wants to get things now, and your cognitive (liên quan đến nhận thức; dựa trên hiểu biết, kinh nghiệm) self, which wants you to plan for a better future. My guess is that you’d be in an even worse situation without the app.

Budgeting isn’t effective if you set a spending goal and then don’t think about it again until the end of the month. Instead, try using the app to analyze (phân tích) your spending every other day. That way, when you find yourself spending too much, you’ll be able to adjust (điều chỉnh) your behavior (hành vi) to stay on track for your monthly goal, rather than discovering you’ve overspent only when it’s too late to do anything about it.

Bài trước: Tư vấn mua máy tính

Tư vấn mua máy tính

nhiều máy tính quá, ko biết chọn cái nào -> cùng ngồi chọn trên mạng chỉ 2 tiếng thôi (giới hạn thời gian) và sẽ chọn mua cái tốt nhất tìm được trong thời gian đó,

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Hi, Dan.

I offered to purchase a computer as a gift for a close relative, and I asked him to pick out the one he wanted. But he simply can’t make a choice. He keeps comparing different models and researching all the available features, even though I’m sure he will never use most of them. How can I help him to make a decision?

—Stanley

Choice paralysis, or what’s sometimes called “paralysis by analysis,” (tê liệt vì phân tích) is a common problem. Some famous experiments in behavioral science have shown that making decisions is harder when you have too many options and too much information (quá nhiều lựa chọn, quá nhiều thông tin). To force your relative to limit his search, tell him that the two of you will sit down together and go shopping online for two hours; then you’ll buy the best computer you’ve found in that time. Using firm deadlines (hạn chót) is a good way to combat our indecisive nature.

Bài trước: Tư vấn mua xe mới

Vì sao thời gian check-in trong khách sạn thường vào lúc 14 giờ?

ko rõ, cũ rồi, giờ The Hoxton và một số khách sạn đã chuyển sang áp dụng check-in giờ linh hoạt...

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Check-in and checkout usually run like clockwork: between 2 and 4 p.m. on the front end and around 11 a.m. or noon on the back end. And breaking free of that mold has traditionally meant one of two things: cracking the upper tiers of a hotel loyalty program (where flexible check-in might be a perk of elite status) or requesting extended hours when booking, only to have to plead your case in person. But nowadays The Hoxton and other hotels are embracing more elastic time frames as an across-the-board offering — a move that substantially changes the guest experience, particularly for business and red-eye travelers.

Bài trước: Bực gì bằng đèn đỏ còn 10s mà đã giục còi inh ỏi

Tiền chỉ là tờ giấy

dave trott kể chuyện thuyền trưởng Cook đến Matavai Bay, Tahiti năm 1769,

các thủy thủ nhiều ngày vật vã trên biển, thấy gái đẹp thổ dân đảo hoang chỉ muốn sex và dùng tiền để "đổi tiền lấy tình", nhưng các em gái ko hiểu đó là gì, chỉ cần đinh sắt (vì with iron they could make fishing-hooks, chisels, drills) -> các thủy thủ lấy đinh từ bất kỳ đâu (kể cả từ vỏ tàu),

ý dave muốn nói "tiền chỉ là tờ giấy", 'là một khái niệm' you can’t make tools out of paper money, you can’t build anything with it, or use it to feed or protect your family, nhưng People will trade happiness, health, relationships, family, even life for paper money.

trong ngành quảng cáo, có những người làm marketing nhắm đến danh hiệu, giải thưởng (là concept - khái niệm) mà quên việc cần làm (marketing)

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...the Tahitian women were beautiful.

They bathed every day, they wore sweet-smelling flowers in their hair, they protected their skin from the sun with oil, they wore hardly any clothes.

To sailors who had been at sea for months, with nothing but stale water and rotten biscuits, they were irresistible.

The sailors took every nail they could find, from wherever they could find it.

When the ship’s supply of nails was gone, they even began pulling out nails from the ship itself, even from the planking in the hull.

Eventually it was discovered and stopped, it began to threaten the ship’s seaworthiness.

The point is, the men would do anything for sex with these women.

And these women would do anything for iron nails.

We might call it prostitution, but either way it was trade, and the nails were money.

The nails were real money, whereas the paper money wasn’t.

Bài trước: Tháp nước

Bực gì bằng đèn đỏ còn 10s mà đã giục còi inh ỏi

vậy thì thử nghiệm thôi, ở ấn độ, xe mà còi quá 85 decibel, đèn đỏ sẽ... tiếp tục đỏ

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'Honk more, wait more': Mumbai tests traffic lights that reward the patient driver

There is a truth universally acknowledged (sự thật được thừa nhận rộng rãi) by drivers (lái xe) in India: honk your horn loud enough and the traffic lights will surely change to green.

But, fed up of impatient (không kiên nhẫn) drivers inflicting (nện, giáng (một đòn); gây ra (vết thương); bắt phải chịu (sự trừng phạt, thuế, sự tổn thương...)) a deafening roar (tiếng còi điếc tai) every time they are forced to stop, police in Mumbai have come up with a new system to punish (trừng phạt) those who cannot wait at traffic lights in silence.

The new system, said the police, was quite simple: “Honk more, wait more.” (càng còi càng đợi)

Known as “the punishing signal”, Mumbai police installed a rigged traffic light system to tackle the problem of “reckless honkers”, which resets the red traffic signal every time the sound of car horns goes above 85 decibels. For particularly honk-happy drivers, it could mean a very long wait at the lights.

Bài trước: Dẹp cảnh hỗn loạn ở 'xóm đường tàu'

Tháp nước

trên nóc các tòa nhà (hay đỉnh đồi ở nhiều làng/thị trấn) luôn có một tháp nước,

việc đẩy/bơm nước lên tháp nước, chầm chậm, nhưng nhất quán, tận dụng trọng lực, sẽ hữu hiệu hơn rất nhiều so với bơm công suất cao, tốn năng lượng để đáp ứng (nếu) nhu cầu tăng đột biến,

chúng ta luôn cần có một "tháp nước" ở đâu đó trong công việc...

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Water towers // Seth Godin

On the top of many apartment buildings (and on a hill in many towns) you’ll find a water tower (tháp nước), a large wooden or metal container holding tons of water.

Why bother?

It turns out that a pump (bơm) that slowly and consistently pumps water uphill (lên đỉnh đồi) is way more efficient than the high-powered, high-capacity pump you’d need to meet spikes (tăng đột biến) in demand (nhu cầu). By using gravity (trọng lực) to assist during times of heavy load (quá tải), the consistent and more efficient pump gets the job done by planning ahead (lên kế hoạch từ trước).

We all need a water tower somewhere in our work.

Bài trước: Ngày Black Friday cuối cùng

Tư vấn mua xe mới

thích thì nhích, mua đại đi, đừng ngại lỡ sau này phát hiện ra là quyết định/lựa chọn tồi vì, về ngắn hạn thì thế, nhưng về dài hạn sẽ tiếc/hối hận nếu ko mua xe mình thích...

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Dear Dan,

I’m shopping for a new car and I’ve been finding it hard to make a decision. Which would I regret more—buying a car I really want but later finding out that I made a bad choice, or not buying the car I really want and later finding out I should have bought it?

—Warren

Research shows that in the short term, we tend to regret actions—in this case, buying a car—more than inactions. But in the long term, we’re more likely to regret the things we didn’t do. Psychologists suspect that this is because the consequences of inaction are uncertain and take much longer to make an impact. So while you might have regrets at first if you buy a car you don’t like, choosing not to buy a car you love would be worse in the long run.

Bài trước: Chủ nghĩa tiêu thụ đang ảnh hưởng giá trị sống giới trẻ

Chủ nghĩa tiêu thụ đang ảnh hưởng giá trị sống giới trẻ

ko muốn ai mua/tặng quà cho mình, ko muốn nhận quà dịp lễ, tết thì phải làm sao?

-> lên danh sách các món đồ trong nhà vẫn còn dùng tốt, nhưng bản thân ko còn dùng nữa, nói bạn bè cũng làm điều tương tự, và trao đổi đồ cho nhau, vào ngày black friday, v.v..., để vẫn có cái thú mua sắm/mặc cả

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Hi, Dan.

I’ve told my family and friends that I don’t want them to buy me any gifts for the holidays this year—I already have everything I need. I’ve also learned about the bad working conditions for store employees during the holiday season and don’t want to contribute to the problem. Still, I’m worried that by cutting out gifts, I’ll miss the fun and energy of the season. Do you have any suggestions for other ways to show generosity?

—Name

Your commitment (cam kết) to avoiding (tránh) consumerism (chủ nghĩa tiêu thụ) this holiday season (mùa lễ) is admirable (đáng khâm phục), but naturally (theo tự nhiên, thường thì) it would be disappointing to see all your friends having fun and getting gifts while you don’t.

Why don’t you make a list of items you have at home in good condition but don’t want, and ask your friends to make a similar list. On Black Friday weekend, instead of hitting the sales, you could all get together and exchange (trao đổi) things on your lists. If you want to have the fun of hunting for bargains (mặc cả), you could even hold an “auction” (đấu giá) where you negotiate which items you are willing to trade. This way you will get some new things for the holidays, you will experience some of the fun of shopping and looking for deals, and you will be sticking to your principles.

Bài trước: Dọn dẹp mớ hỗn độn sau bữa tiệc một cách dễ dàng

Dọn dẹp mớ hỗn độn sau bữa tiệc một cách dễ dàng

mởi bạn bè cùng dọn dẹp, rửa bát -> họ cảm thấy hài lòng vì góp phần giúp đỡ chủ nhà, một cách bày tỏ lời cảm ơn, thắt chặt thêm mối quan hệ xã hội,

nên dọn ngay, và sau đó cùng uống trà, để ấn tượng buổi tối đẹp hơn...

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Dear Dan,

When I host friends for dinner, can I ask them to help with cleaning up afterward? I hate doing dishes, but maybe it’s impolite to ask guests to share the load.

—Evelyn

I think that you should ask your friends to help. Doing dishes isn’t fun, but if your guests pitch in they will derive satisfaction from knowing they are helping you out. Not only is it a way for them to express appreciation for the meal, but working together on a task is a way of increasing social bonds.

But since the end of an experience is important in determining how we remember and evaluate it, you may want to avoid ending the evening with this chore. Instead, try cleaning up together right after the meal and then invite everyone for a final drink. Of course, that would create a few more glasses to wash, but you would end the evening on a positive note.

Bài trước: Thêm niềm vui trong bữa ăn gia đình

Dẹp cảnh hỗn loạn ở 'xóm đường tàu'

ở ấn độ, dùng 'thần chết' làm cảnh báo nguy hiểm, cấm xâm phạm đường sắt

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Yamraj, lord of death, has been deployed to discourage people from trespassing on Western Railway’s heavily used suburban lines in Mumbai.

The costumed member of the Railway Protection Force provides safety awareness information to the public and intervenes to stops people from walking on the tracks.

‘If you cross the track in an unauthorised way, Yamraj will be standing in front of you’, the Ministry of Railways warned.

Bài trước: Mức phạt chạy quá tốc độ cho ô tô và xe máy

Mức phạt chạy quá tốc độ cho ô tô và xe máy

là 1 tiếng đồng hồ đứng nói chuyện với csgt nhé,

thử nghiệm ở estonia, ko phải nộp phạt bằng tiền, mà bằng thời gian (lãng phí), xem người vi phạm thấy có quý thời gian mà đi đúng tốc độ hay không,

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Estonia has a new way to stop speeding motorists

Make them stand by the road for an hour

On the desk of a government building, a diorama ((hội họa) tranh tầm sâu, cảnh tầm sâu) is laid out. Little vehicles sit by the side of a road, watched over by little policemen. On two recent mornings, this scene was recreated in real life. Drivers caught speeding along the road between Tallinn and the town of Rapla were stopped and given a choice. They could pay a fine, as normal, or take a “timeout” instead, waiting for 45 minutes or an hour, depending on how fast they were going when stopped.

The aim of the experiment is to see how drivers perceive speeding, and whether lost time may be a stronger deterrent than lost money. The project is a collaboration between Estonia’s Home Office and the police force, and is part of a programme designed to encourage innovation (đổi mới sáng tạo) in public services (dịch vụ công). Government teams propose a problem they would like to solve—such as traffic accidents caused by irresponsible driving—and work under the guidance of an “innovation unit”. Teams are expected to do all fieldwork and interviews themselves.

Bài trước: Người bán và người tạo ra sản phẩm: phần lớn lợi nhuận thuộc về ai?

Người bán và người tạo ra sản phẩm: phần lớn lợi nhuận thuộc về ai?

(có lẽ) hơn 90% lợi nhuận thuộc về người bán, nhé

phần khó (# phần quan trọng) là giành được sự chú ý của khách hàng...

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If you’ve ever bought a mattress (nệm, đệm) online, or a private label product from Amazon, you’ve experienced the value created by the last step.

That mattress company didn’t make the mattress.

And Amazon doesn’t make light bulbs.

There are countless factories vying to sell generic products to the companies that own the customer relationship. Perhaps 90% (sometimes 100%) of the profit goes to companies that make the sale, not the ones who actually made the product.

That’s because while they make the thing, they don’t do the work. The hard part is earning attention and trust (giành được sự chú ý và niềm tin). The hard part is helping someone make the choice. (There’s a difference between the hard part and the important part. Without the factory, there’s nothing to sell. Making it is important. But increasingly, it’s not the hard part.)

The Broadway producer makes a profit, the chorus (những người hát, dàn hợp xướng) member ekes out (kiếm sống một cách khó khăn, có thu nhập ít ỏi) a living. Fair pay is related to the scarce work of engaging with the customer.

Either you’re doing the hard part or you’re left out of the transaction.

Bài trước: Thêm niềm vui trong bữa ăn gia đình

Thêm niềm vui trong bữa ăn gia đình

đi ăn với bố mẹ (đã về hưu) vào cuối tuần, đừng nghĩ đến việc trả tiền hết (tất cả các lần), đây là dịp (như) 'trao quà' (đi lại),

nếu muốn, có thể thanh toán các hóa đơn khác (của bố mẹ) hoặc quà tặng cuối năm

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Dear Dan,

My retired (nghỉ hưu) parents and I usually go out for lunch every other Sunday. We have been taking turns (lần lượt) paying the check, but I know that I make more money (kiếm nhiều tiền hơn) than they do. Should I start paying for all the meals or at least cover the tip when they are paying?

—Andrew

Since you’ve established a custom (tục lệ) of taking turns paying for meals, I think you should continue on that basis. Think of these meals as gifts that you are giving each other: The purpose of gift-giving is to help strengthen relationships (củng cố/đào sâu mối quan hệ) rather than a strictly financial exchange (trao đổi/giao dịch tài chính). If you are worried about potential strain (căng thẳng (về tài chính...)) on your parents, you can offer to pay some of their other bills or give them a yearly cash gift, but I would separate the issue of their finances from the weekly tradition that you have established.

Bài trước: Kỷ niệm nào vội tan

Du lịch sao cho vui, an toàn

những người sống nội tâm, thích du lịch, nhưng cũng muốn tự do, một mình, để nạp lại năng lượng,

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Since launching IntroverTravels in South Dakota nearly three years ago, Marek has planned a wide array of trips for his clients, from tours of Vietnam and Thailand focused on cuisine (cách nấu nướng), to more adventurous (thich phiêu lưu, mạo hiểm) wildlife-watching (ngắm động vật hoang dã) itineraries (hành trình) in South Africa and the Galapagos. “They tend to be remote places where there’s an absence of people or external stimuli. You can get back to nature, contemplate history or experience the culture of a new place,” Marek says.

His clients tend to be “social introverts,” people who enjoy activities but need to be alone afterward to recharge.

And:

When the group meets, Renzi has them all agree to a few specific principles, including, she says, “Honour one another’s needs and preferences for personal time and space and right to silence, and encourage one another to take personal time and skip group activities as needed. Be open to different belief systems, ways of behaving, communication styles.”

The trips are usually capped at 16 people, and many now have waiting lists. “The demand has certainly been growing,” Renzi says.

Bài trước: Tín dụng đỏ cho sinh viên

Tín dụng đỏ cho sinh viên

trường nữ sinh ở kigali (thủ đô Rwanda) đang cộng tác với quỹ chancen international của đức áp dụng chương trình chia sẻ thu nhập cho sinh viên: sinh viên nhận tiền (tín dụng) trước, ra trường trả % lương tháng (có thể tới 180% khoản vay ban đầu), nếu không có việc thì không phải trả đồng nào.

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A booming population is putting strain on Africa’s universities

...Several African countries have introduced state loan schemes. But governments have struggled to chase up debts. The private sector is now trying to do a better job. Kepler and Akilah, an all-female college in Kigali, are working with Chancen International, a German foundation, to try out a model of student financing popular among economists—Income Share Agreements. Chancen pays the upfront costs of a select group of students. Once they graduate, alumni pay Chancen a share of their monthly income, up to a maximum of 180% of the original loan. If they do not get a job, they pay nothing.

Bài trước: Tín dụng sinh viên: Chắp cánh giấc mơ Mỹ

Không trả tiền cho thực tập sinh là bất hợp pháp

Giải pháp cho việc 'tiền cứu trợ bị xà xẻo'

Giải pháp cho việc 'tiền cứu trợ bị xà xẻo'

google cộng tác với givedirectly: đưa trực tiếp tiền (khoảng 1.500 usd ~ 35 triệu vnd) cho người dân vùng lũ, vùng bão, bằng thẻ debit (card),

-> tiền được chi nhanh và hiệu quả hơn,

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GiveDirectly is a charity that does exactly what its name implies: It gives poor people money directly, no strings attached. It primarily targets the poorest populations in the world, where money goes the farthest: GiveDirectly organizers go to villages, get residents signed up, and then transfer them about $1,500 cash each in installments.

A few years ago, GiveDirectly decided to test its cash model in a different domain: disaster relief. Instead of trying to rebuild homes or provide food, they’d do what they do best: give the survivors money.

Yesterday, the organization announced that it will be doing its disaster relief work on a larger scale, in partnership with Google.org, Google’s philanthropic arm.

Giải pháp thúc đẩy ngành du lịch Việt Nam phát triển bền vững

Tương lai các nhà văn

Tương lai các nhà văn

...sẽ là những cái máy như thế này này (máy bán dạo, ấn nút cái là tuồn ra truyện đọc trong 3-5 phút)

Đau đớn sáng tạo bế tắc writer’s block làm gì cho lắm?

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These vending machines are giving out free short stories to London commuters

Once upon a time, in one of the busiest parts of one of the busiest cities in the world, the people were so busy, they didn’t have time to finish reading lengthy works of fiction.

So three vending machines were set up, dishing out not chocolate bars or cans of drink, but free short stories to those rushing by.

In other words, the UK’s first short story vending machines have been installed in London’s Canary Wharf, issuing one, three and five-minute reads by authors from Virginia Woolf to Charles Dickens at the touch of a button.

Created by French company Short Édition, the vending machines feature thousands of stories printed on scrolls of eco-friendly papyrus paper at no cost - and even feature a specially commissioned crime story, Mr Robinson, by bestselling novelist Anthony Horowitz.

Bài trước: Giải pháp thúc đẩy ngành du lịch Việt Nam phát triển bền vững

Giải pháp thúc đẩy ngành du lịch Việt Nam phát triển bền vững

du lịch cùng người nổi tiếng, diễn viên, ca sĩ... cho tới giáo hoàng :)

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Vacation With the Famous—From Gwen Stefani to the Pope

TITUSS BURGESS doesn’t like to travel and says he knows “zero” about South Africa, which would seem to make him an unlikely host for a 10-day tour of that nation, especially one that costs nearly $27,000 a head. But on a chill March night, the actor, best known for his role as Titus Andromedon on the Netflix series “Unbreakable Kimmy Schmidt,” patiently posed for selfies with travel journalists at a Manhattan wine bar to kick off Heritage Tours’ new Spotlight Series of trips. The company describes the tours as “immersive small-group experiences enhanced by the presence of expert personalities and influencers.”

…While Mr. MacMillan says that the hosts for his trips were chosen for their connection to the destinations, the link can seem tenuous (có ít thực chất, ít ý nghĩa, rất mong manh, hời hợt). Courtney Reed, who played Princess Jasmine in Disney ’s “Aladdin” on Broadway will be hosting a trip to Spain focused on wine, fashion and food. She’s never been to Spain, but is “extra thrilled” about going. “I think my role is just to provide social ambience,” she said. “I’m a very easygoing person and I can create extra flair just having fun and appreciating our surroundings. I’m like a cheerleader….We’re going to have a blast!”

…Other travel companies are hitching their wagons to stars who don’t merely gild the travel experience, but add bona fide (không lừa dối, không gian dối, ngay tình) knowledge or expertise. “There’s only so much caviar and champagne you can give passengers, so we like to enrich their experience in an intelligent way,” said Barbara Muckermann, chief marketing officer of Silversea Cruises. The cruise line, which has at least one expert lecturer on each of its ships, invited nine artists, writers and other creative types including authors Paul Theroux, Pico Iyer and Saroo Brierley to make appearances during its 133-day World Cruise 2019. Besides giving lectures, each is contributing to a commemorative (để kỷ niệm, để tưởng niệm) anthology (hợp tuyển) that Silversea line is creating for the passengers.

Bài trước: Hay phết

Hay phết

phân huỷ xác chết thành phân bón cho cây luôn,

người chết được mai táng kiểu "phân rã tự nhiên" ở washington,

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Lawmakers in this state passed bill to allow composting of human remains

The process of recomposition essentially turns dead bodies (xác chết) into soil (đất), a practice colloquially known as "human composting." According to the bill's language, this is the practice of "contained, accelerated conversion of human remains to soil."

..."While the dead body is being broken down, Spade said families of the deceased (người quá cố) will be able to visit the facility and will ultimately receive the soil that remains of their loved. It is up to the family how they want to use that soil, Spade said.

"And if they don't want that soil, we'll partner with local conservation (bảo tồn) groups around the Puget Sound region so that that soil will be used to nourish (nuôi dưỡng) the land here in the state," she said.

Bài trước: Chuyện thật như đùa khi gửi xe ở sân bay