🌻另一個Zoom會議(第二次貼......有補上一些內容)
繼上次的年報導讀會議後, 讓我們再做另一個會議! 這次很榮幸邀請到一位對估值很有見解的股友前輩來帶大家了解估值(恩, 這次我會是主持人, 不是主講人).
主題: 估值(valuation)分享會(Cat: 這不算基礎的估值會議)
主講人: 小揚(from安泰價值投資)
https://www.facebook.com/antaiinvestment (此為小揚的粉絲頁)
參與者: 具基本估值能力. 若打算參加者, 請事先跟我(請私訊)提出一個關於估值的case study, 到時候可在會議中分享(最好是以投影片形式呈現, 這樣到時候好跟大家分享). 若有估值的問題, 也可以提出.
Case study可以是美股, 也可以是台股.
時間: 台灣時間07/10 (周六)晚間9點.
預計一個小時(不會像上次那樣冗長了😅): 前30分鐘由小揚做分享, 後30分鐘大家分享估值案例&提問
進行方式: 以Zoom進行(之後會私訊會議資訊給參與者)
🌻Morgan Stanley Mid-year Investor Outlook: A tricky transition
https://www.morganstanley.com/ideas/midyear-2021-global-markets-outlook
🌻在您投資生涯中, 有沒有一些觀念讓您受用很多?
下面這位投資名人的好觀念影響我很深. 他的意思是, 一般投資人, 只要能説出三個買一家公司的理由, 就很夠了. 這也迫使我, 每次在買股票時, 問自己對這家公司的了解有多少. 也會去衡量公司的優點與缺點在哪裡.
"It is vital (重要的) that you know what you own, that if I asked you on the street why you like a certain stock, you can give me three reasons. If you don't know how they make their money, who their key clients are and what they make if, then I will tell you that you are over your head and should not own individual stocks."
全文在此:
Jim Cramer: In Times Like This, Go for the Easy Money
Look at the stocks you own. Can you tell me why you've got them? If you can't answer the following three questions, then have a look at several I like right now.
We've endured the meme stock craziness, with all of its love for heavily shorted stocks. We have watched the collapse of bitcoin to levels viewed as shocking, even if they are still more than double where they were not that long ago. We've dealt with Fed officials making it clear that they are no longer on the side of the bulls or the bears. They are on the side of job growth, but are wary of inflation. We've seen the end of the rush to get vaccines, which means that millions of people are going to get the new COVID variant, because there is no natural immunity to it. We've watched as the hopes for an infrastructure bill have collapsed. We've endured shortages of everything from chips to plastic to imported goods and labor.
And we're still standing, yeah, yeah, yeah.
Yep, we are in one of those halcyon moments, where the masks are off -- even if they shouldn't be -- and Americans are back doing what they do best: consume, spend, go out to eat and then consume and spend some more.
There are times in the stock market where the collective mindset is revealed. This is one of those times: Things are cool, it's not a big moment, there's no real news for a bit, it's the historically strong period and we can reach some conclusions about where we are.
When things are like this, it is important to remember that buyers like to revert to tried-and-true companies that thrive no matter what. These are companies that have an edge and are better at what they do than other companies.
You know that I am a great believer in index funds, that the average person doesn't have the time or the inclination to research individual stocks. It's a difficult barrier. I think you need to make time to read the quarterly report and listen to the conference call, to Google articles and, if possible, get some research about the companies you own. It is vital that you know what you own, that if I asked you on the street why you like a certain stock, you can give me three reasons. If you don't know how they make their money, who their key clients are and what they make if, then I will tell you that you are over your head and should not own individual stocks. I am reminded by this, because, once again, without a mask, I can be recognized and if I am not holding "Nvidia the Second," I can carry on a conversation.
I have had many in the last two weeks and when I have asked this litany of questions, I find myself at a loss as to why almost no one knew what they owned. But they thirsted for individual stocks, because they, like me, think things are better post pandemic. No, that's not a facetious comment. Many, many stocks did better with a stay-at-home economy. A huge number.
So what do I do? I revert to what others do when you are stumped about how to stay in touch with stocks, but want to do less homework. That means buying stocks that are accessible, not stocks like Unity (U) or Snowflake (SNOW) or Twilio (TWLO) or Okta (OKTA) .
I revert to normal businesses people know and I suggest they Google some articles, peruse the conference call, but, above all, like the company's products so you can buy more if it goes down.
Here's some that I have been telling people I like:
First is Ford (F) . I think the Ford lineup is amazing. The electric F-150 series will be incredible. I am eager to get a Maverick for my family, because it is a smaller pickup that will get the job done for the myriad little things I need to do with this farm I bought from that crazy bitcoin foray. I like the competitive edge of the CEO, who says he is going to bury Elon Musk when the Lightning comes out. I even think the Bronco is cool as all get out. Most important, though? I think the chip shortage is ending. My semiconductor friends are telling me the foundries are producing more feature-rich chips and that means Ford can pump out the trucks small business people love and need. Plus, the used car prices at last have plateaued, according to their most important pricing index. Halcyon times.
Second, Costco (COST) : The samples are coming back. Tell me you don't love the samples. You need things in bulk. You want low prices. You want to get all of the things that people don't think of with Costco, like insurance, hearing-aids -- hey, they are a fortune -- jewelry, things around the house. You go and you will buy far more than you first came for. My kind of store.
The kids love this American Eagle Outfitters (AEO) , which we just bought for my charitable trust, which you can follow along by joining the Action Alerts PLUS club. Jay Schottenstein, the CEO, came on "Mad Money" recently and it's clear that his Aerie model has real staying power: 26 consecutive quarters of double digit growth. No flash in the pan, that one. Number one brand in jeans for the 15 to 25 year old group. The best in the mall. How did I know this? I see the credit card bills.
I got up this morning to do my physical therapy. I have been doing it ever since I hurt my back in February. I have this really cool pair of sneakers that fit me perfectly and I love them, but I am fortunate enough to have a vacation house and I am always taking those shoes with me.
So I went on Amazon (AMZN) this morning and lo and behold I saw them for half price. I bought two pairs. Then I went over everything I have bought in the last year and got a bunch of those things. Then I bought a pair of binoculars, because mine were stolen. I paid half price.
Yep, Amazon's universal. I was talking to Alexa, while I was ordering, getting some new music on, asking questions. I saw that despite all of the Sturm und Drang of Amazon being late with things, all the delivery dates were within range. I didn't click on any ads, and I didn't need the speed of Web Services, but the whole thing reminded me about how special the darned company is. I don't care if it's ahead or behind plan for the moment. I would just buy some more when it goes down.
Finally, Apple (AAPL) . I think people who don't own Apple should look what they are holding at this very moment. Yes, right now. Or look at what's in your lap or on the table besides your fork. And then think about the bill you paid last night without knowing it. Think about what you bought in the App store yesterday. Think about what would happen if it would break or get stolen or, left in the Uber (UBER) , or heaven forbid, be dropped into the pool or in the, yes, toilet.
There, that's what you buy in halcyon times. Stocks of companies you know that if they go lower, because things get less halcyon, you are fine with it and buy more. If things go up, believe me, you will participate.
So accept the moment. Don't try for the hard money. Go for the easy kind. That's the best kind.
https://realmoney.thestreet.com/jim-cramer/jim-cramer--15692051
Picture: 牡丹(peony)花開. 恨不得院子裡有一塊地是牡丹園.
同時也有9部Youtube影片,追蹤數超過0的網紅館長成吉思汗,也在其Youtube影片中提到,12/24晚上8點羽絨外套、鋪棉背心、防水大衣、多樣新衣及商品補貨現正熱賣中👇 👇 https://notorious-2019.com/list.aspx?tid=136&page=1 https://notorious-2019.com/newsshow.aspx?id=93 過年超值海鮮、牛...
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這是前些日子爆出已經被加拿大法院接理對藏傳佛教噶舉派法王的訟訴。(加拿大法院鏈接在此:https://www.bccourts.ca/jdb-txt/sc/21/09/2021BCSC0939cor1.htm?fbclid=IwAR2FLZlzmUIGTBaTuKPVchEqqngcE3Qy6G_C0TWNWVKa2ksbIYkVJVMQ8f8)
這位法王的桃色事件,我是幾年前才聽到。但,藏傳佛教的高層有這些性醜聞,我已經聽了幾十年。我以前的一位前女友也被一些堪布藉故上她的家摟抱過,也有一些活佛跟她表白。(這不只是她,其他地方我也聽過不少)
這是一個藏傳佛教裡面系統式的問題。
很多時候發生這種事情,信徒和教主往往都是說女方得不到寵而報仇,或者說她們也精神病,或者說她們撒謊。
我不排除有這種可能性,但,多過一位,甚至多位出來指證的時候,我是傾向於相信『沒有那麼巧這麼多有精神病的女人要撒謊來報仇』。
大寶法王的桃色事件,最先吹哨的是一位台灣的在家信徒,第二位是香港的女出家人,現在加拿大又多一位公開舉報上法庭。
對大寶法王信徒來說,這一次的比較麻煩,因為是有孩子的。(關於有孩子的,我早在法王的桃色事件曝光時,就有聽聞)
如果法庭勒令要驗證DNA,這對法王和他的信徒來說,會很尷尬和矛盾,因為做或不做,都死。
你若問我,我覺得『人數是有力量的』,同時我也覺得之後有更多的人站出來,是不出奇的。
我也藉此呼籲各方佛教徒,如果你們真的愛佛教,先別說批判,但如鴕鳥般不討論這些爭議,你是間接害了佛教。
(下面是我從加拿大法院鏈接拷貝下來的內容,當中有很多細節。)
Table of Contents
INTRODUCTION
BACKGROUND
ANALYSIS
A. The Spousal Support Claim in this Case
B. The Test to Amend Pleadings
C. Pleadings in Family Law Cases
D. The Legal Concept of a Marriage-Like Relationship
E. Is There a Reasonable Claim of a Marriage-Like Relationship?
F. Delay / Prejudice
CONCLUSION
INTRODUCTION
[1] The claimant applies to amend her notice of family claim to seek spousal support. At issue is whether the claimant’s allegations give rise to a reasonable claim she lived with the respondent in a marriage-like relationship, so as to give rise to a potential entitlement to spousal support under the Family Law Act, S.B.C. 2011, c. 25 (“FLA”).
[2] The facts alleged by the claimant do not fit within a traditional concept of marriage. The claimant does not allege that she and the respondent ever lived together. Indeed, she has only met the respondent in person four times: twice very briefly in a public setting; a third time in private, when she alleges the respondent sexually assaulted her; and a fourth and final occasion, when she informed the respondent she was pregnant with his child.
[3] The claimant’s case is that what began as a non-consensual sexual encounter evolved into a loving and affectionate relationship. That relationship occurred almost entirely over private text messages. The parties rarely spoke on the telephone, and never saw one another during the relationship, even over video. The claimant says they could not be together because the respondent is forbidden by his station and religious beliefs from intimate relationships or marriage. Nonetheless, she alleges, they formed a marriage-like relationship that lasted from January 2018 to January 2019.
[4] The respondent denies any romantic relationship with the claimant. While he acknowledges providing emotional and financial support to the claimant, he says it was for the benefit of the child the claimant told him was his daughter.
[5] The claimant’s proposed amendment raises a novel question: can a secret relationship that began on-line and never moved into the physical world be like a marriage? In my view, that question should be answered by a trial judge after hearing all of the evidence. The alleged facts give rise to a reasonable claim the claimant lived with the respondent in a marriage-like relationship. Accordingly, I grant the claimant leave to amend her notice of family claim.
BACKGROUND
[6] It should be emphasized that this is an application to amend pleadings only. The allegations by the claimant are presumed to be true for the purposes of this application. Those allegations have not been tested in a court of law.
[7] The respondent, Ogyen Trinley Dorje, is a high lama of the Karma Kagyu School of Tibetan Buddhism. He has been recognized and enthroned as His Holiness, the 17th Gyalwang Karmapa. Without meaning any disrespect, I will refer to him as Mr. Dorje in these reasons for judgment.
[8] Mr. Dorje leads a monastic and nomadic lifestyle. His true home is Tibet, but he currently resides in India. He receives followers from around the world at the Gyuto Monetary in India. He also travels the world teaching Tibetan Buddhist Dharma and hosting pujas, ceremonies at which Buddhists express their gratitude and devotion to the Buddha.
[9] The claimant, Vikki Hui Xin Han, is a former nun of Tibetan Buddhism. Ms. Han first encountered Mr. Dorje briefly at a large puja in 2014. The experience of the puja convinced Ms. Han she wanted to become a Buddhist nun. She met briefly with Mr. Dorje, in accordance with Kagyu traditions, to obtain his approval to become a nun.
[10] In October 2016, Ms. Han began a three-year, three-month meditation retreat at a monastery in New York State. Her objective was to learn the practices and teachings of the Kagyu Lineage. Mr. Dorje was present at the retreat twice during the time Ms. Han was at the monastery.
[11] Ms. Han alleges that on October 14, 2017, Mr. Dorje sexually assaulted her in her room at the monastery. She alleges that she became pregnant from the assault.
[12] After she learned that she was pregnant, Ms. Han requested a private audience with Mr. Dorje. In November 2017, in the presence of his bodyguards, Ms. Han informed Mr. Dorje she was pregnant with his child. Mr. Dorje initially denied responsibility; however, he provided Ms. Han with his email address and a cellphone number, and, according to Ms. Han, said he would “prepare some money” for her.
[13] Ms. Han abandoned her plan to become a nun, left the retreat and returned to Canada. She never saw Mr. Dorje again.
[14] After Ms. Han returned to Canada, she and Mr. Dorje began a regular communication over an instant messaging app called Line. They also exchanged emails and occasionally spoke on the telephone.
[15] The parties appear to have expressed care and affection for one another in these communications. I say “appear to” because it is difficult to fully understand the meaning and intentions of another person from brief text messages, especially those originally written in a different language. The parties wrote in a private shorthand, sharing jokes, emojis, cartoon portraits and “hugs” or “kisses”. Ms. Han was the more expressive of the two, writing more frequently and in longer messages. Mr. Dorje generally participated in response to questions or prompting from Ms. Han, sometimes in single word messages.
[16] Ms. Han deposes that she believed Mr. Dorje was in love with her and that, by January 2018, she and Mr. Dorje were living in a “conjugal relationship”.
[17] During their communications, Ms. Han expressed concern that her child would be “illegitimate”. She appears to have asked Mr. Dorje to marry her, and he appears to have responded that he was “not ready”.
[18] Throughout 2018, Mr. Dorje transferred funds in various denominations to Ms. Han through various third parties. Ms. Han deposes that these funds were:
a) $50,000 CDN to deliver the child and for postpartum care she was to receive at a facility in Seattle;
b) $300,000 CDN for the first year of the child’s life;
c) $20,000 USD for a wedding ring, because Ms. Han wrote “Even if we cannot get married, you must buy me a wedding ring”;
d) $400,000 USD to purchase a home for the mother and child.
[19] On June 19, 2018, Ms. Han gave birth to a daughter in Richmond, B.C.
[20] On September 17, 2018, Mr. Dorje wrote, ”Taking care of her and you are my duty for life”.
[21] Ms. Han’s expectation was that the parties would live together in the future. She says they planned to live together. Those plans evolved over time. Initially they involved purchasing a property in Toronto, so that Mr. Dorje could visit when he was in New York. They also discussed purchasing property in Calgary or renting a home in Vancouver for that purpose. Ms. Han eventually purchased a condominium in Richmond using funds provided by Mr. Dorje.
[22] Ms. Han deposes that the parties made plans for Mr. Dorje to visit her and meet the child in Richmond. In October 2018, however, Mr. Dorje wrote that he needed to “disappear” to Europe. He wrote:
I will definitely find a way to meet her
And you
Remember to take care of yourself if something happens
[23] The final plan the parties discussed, according to Ms. Han, was that Mr. Dorje would sponsor Ms. Han and the child to immigrate to the United States and live at the Kagyu retreat centre in New York State.
[24] In January 2019, Ms. Han lost contact with Mr. Dorje.
[25] Ms. Han commenced this family law case on July 17, 2019, seeking child support, a declaration of parentage and a parentage test. She did not seek spousal support.
[26] Ms. Han first proposed a claim for spousal support in October 2020 after a change in her counsel. Following an exchange of correspondence concerning an application for leave to amend the notice of family claim, Ms. Han’s counsel wrote that Ms. Han would not be advancing a spousal support claim. On March 16, 2020, counsel reversed course, and advised that Ms. Han had instructed him to proceed with the application.
[27] When this application came on before me, the trial was set to commence on June 7, 2021. The parties were still in the process of discoveries and obtaining translations for hundreds of pages of documents in Chinese characters.
[28] At a trial management conference on May 6, 2021, noting the parties were not ready to proceed, Madam Justice Walkem adjourned the trial to April 11, 2022.
ANALYSIS
A. The Spousal Support Claim in this Case
[29] To claim spousal support in this case, Ms. Han must plead that she lived with Mr. Dorje in a marriage-like relationship. This is because only “spouses” are entitled to spousal support, and s. 3 of the Family Law Act defines a spouse as a person who is married or has lived with another person in a marriage-like relationship:
3 (1) A person is a spouse for the purposes of this Act if the person
(a) is married to another person, or
(b) has lived with another person in a marriage-like relationship, and
(i) has done so for a continuous period of at least 2 years, or
(ii) except in Parts 5 [Property Division] and 6 [Pension Division], has a child with the other person.
[30] Because she alleges she has a child with Mr. Dorje, Ms. Han need not allege that the relationship endured for a continuous period of two years to claim spousal support; but she must allege that she lived in a marriage-like relationship with him at some point in time. Accordingly, she must amend the notice of family claim.
B. The Test to Amend Pleadings
[31] Given that the notice of trial has been served, Ms. Han requires leave of the court to amend the notice of family claim: Supreme Court Family Rule 8-1(1)(b)(i).
[32] A person seeking to amend a notice of family claim must show that there is a reasonable cause of action. This is a low threshold. What the applicant needs to establish is that, if the facts pleaded are proven at trial, they would support a reasonable claim. The applicant’s allegations of fact are assumed to be true for the purposes of this analysis. Cantelon v. Wall, 2015 BCSC 813, at para. 7-8.
[33] The applicant’s delay, the reasons for the delay, and the prejudice to the responding party are also relevant factors. The ultimate consideration is whether it would be just and convenient to allow the amendment. Cantelon, at para. 6, citing Teal Cedar Products Ltd. v. Dale Intermediaries Ltd. et al (1986), 19 B.C.L.R. (3d) 282.
C. Pleadings in Family Law Cases
[34] Supreme Court Family Rules 3-1(1) and 4-1(1) require that a claim to spousal support be pleaded in a notice of family claim in Form F3. Section 2 of Form F3, “Spousal relationship history”, requires a spousal support claimant to check the boxes that apply to them, according to whether they are or have been married or are or have been in a marriage-like relationship. Where a claimant alleges a marriage-like relationship, Form F3 requires that they provide the date on which they began to live together with the respondent in a marriage-like relationship and, where applicable, the date on which they separated. Form F3 does not require a statement of the factual basis for the claim of spousal support.
[35] In this case, Ms. Han seeks to amend the notice of family claim to allege that she and Mr. Dorje began to live in a marriage-like relationship in or around January 2018, and separated in or around January 2019.
[36] An allegation that a person lived with a claimant in a marriage-like relationship is a conclusion of law, not an allegation of fact. Unlike the rules governing pleadings in civil actions, however, the Supreme Court Family Rules do not expressly require family law claimants to plead the material facts in support of conclusions of law.
[37] In other words, there is no express requirement in the Supreme Court Family Rules that Ms. Han plead the facts on which she relies for the allegation she and Mr. Dorje lived in a marriage-like relationship.
[38] Rule 4-6 authorizes a party to demand particulars, and then apply to the court for an order for further and better particulars, of a matter stated in a pleading. However, unless and until she is granted leave and files the proposed amended notice of family claim, Ms. Han’s allegation of a marriage-like relationship is not a matter stated in a pleading.
[39] Ms. Han filed an affidavit in support of her application to amend the notice of family claim. Normally, evidence would not be required or admissible on an application to amend a pleading. However, in the unusual circumstances of this case, the parties agreed I may look to Ms. Han’s affidavit and exhibits for the facts she pleads in support of the allegation of a marriage-like relationship.
[40] Because this is an application to amend - and Ms. Han’s allegations of fact are presumed to be true - I have not considered Mr. Dorje’s responding affidavit.
[41] Relying on affidavit evidence for an application to amend pleadings is less than ideal. It tends to merge and confuse the material facts with the evidence that would be relied on to prove those facts. In a number of places in her affidavit, for example, Ms. Han describes her feelings, impressions and understandings. A person’s hopes and intentions are not normally material facts unless they are mutual or reasonably held. The facts on which Ms. Han alleges she and Mr. Dorje formed a marriage-like relationship are more important for the present purposes than her belief they entered into a conjugal union.
[42] Somewhat unusually, in this case, almost all of the parties’ relevant communications were in writing. This makes it somewhat easier to separate the facts from the evidence; however, as stated above, it is difficult to understand the intentions and actions of a person from brief text messages.
[43] In my view, it would be a good practice for applicants who seek to amend their pleadings in family law cases to provide opposing counsel and the court with a schedule of the material facts on which they rely for the proposed amendment.
D. The Legal Concept of a Marriage-Like Relationship
[44] As Mr. Justice Myers observed in Mother 1 v. Solus Trust Company, 2019 BCSC 200, the concept of a marriage-like relationship is elastic and difficult to define. This elasticity is illustrated by the following passage from Yakiwchuk v. Oaks, 2003 SKQB 124, quoted by Myers J. at para. 133 of Mother 1:
[10] Spousal relationships are many and varied. Individuals in spousal relationships, whether they are married or not, structure their relationships differently. In some relationships there is a complete blending of finances and property - in others, spouses keep their property and finances totally separate and in still others one spouse may totally control those aspects of the relationship with the other spouse having little or no knowledge or input. For some couples, sexual relations are very important - for others, that aspect may take a back seat to companionship. Some spouses do not share the same bed. There may be a variety of reasons for this such as health or personal choice. Some people are affectionate and demonstrative. They show their feelings for their “spouse” by holding hands, touching and kissing in public. Other individuals are not demonstrative and do not engage in public displays of affection. Some “spouses” do everything together - others do nothing together. Some “spouses” vacation together and some spend their holidays apart. Some “spouses” have children - others do not. It is this variation in the way human beings structure their relationships that make the determination of when a “spousal relationship” exists difficult to determine. With married couples, the relationship is easy to establish. The marriage ceremony is a public declaration of their commitment and intent. Relationships outside marriage are much more difficult to ascertain. Rarely is there any type of “public” declaration of intent. Often people begin cohabiting with little forethought or planning. Their motivation is often nothing more than wanting to “be together”. Some individuals have chosen to enter relationships outside marriage because they did not want the legal obligations imposed by that status. Some individuals have simply given no thought as to how their relationship would operate. Often the date when the cohabitation actually began is blurred because people “ease into” situations, spending more and more time together. Agreements between people verifying when their relationship began and how it will operate often do not exist.
[45] In Mother 1, Mr. Justice Myers referred to a list of 22 factors grouped into seven categories, from Maldowich v. Penttinen, (1980), 17 R.F.L. (2d) 376 (Ont. Dist. Ct.), that have frequently been cited in this and other courts for the purpose of determining whether a relationship was marriage-like, at para. 134 of Mother 1:
1. Shelter:
(a) Did the parties live under the same roof?
(b) What were the sleeping arrangements?
(c) Did anyone else occupy or share the available accommodation?
2. Sexual and Personal Behaviour:
(a) Did the parties have sexual relations? If not, why not?
(b) Did they maintain an attitude of fidelity to each other?
(c) What were their feelings toward each other?
(d) Did they communicate on a personal level?
(e) Did they eat their meals together?
(f) What, if anything, did they do to assist each other with problems or during illness?
(g) Did they buy gifts for each other on special occasions?
3. Services:
What was the conduct and habit of the parties in relation to:
(a) preparation of meals;
(b) washing and mending clothes;
(c) shopping;
(d) household maintenance; and
(e) any other domestic services?
4. Social:
(a) Did they participate together or separately in neighbourhood and community activities?
(b) What was the relationship and conduct of each of them toward members of their respective families and how did such families behave towards the parties?
5. Societal:
What was the attitude and conduct of the community toward each of them and as a couple?
6. Support (economic):
(a) What were the financial arrangements between the parties regarding the provision of or contribution toward the necessaries of life (food, clothing, shelter, recreation, etc.)?
(b) What were the arrangements concerning the acquisition and ownership of property?
(c) Was there any special financial arrangement between them which both agreed would be determinant of their overall relationship?
7. Children:
What was the attitude and conduct of the parties concerning children?
[46] In Austin v. Goerz, 2007 BCCA 586, the Court of Appeal cautioned against a “checklist approach”; rather, a court should "holistically" examine all the relevant factors. Cases like Molodowich provide helpful indicators of the sorts of behaviour that society associates with a marital relationship, the Court of Appeal said; however, “the presence or absence of any particular factor cannot be determinative of whether a relationship is marriage-like” (para. 58).
[47] In Weber v. Leclerc, 2015 BCCA 492, the Court of Appeal again affirmed that there is no checklist of characteristics that will be found in all marriages and then concluded with respect to evidence of intentions:
[23] The parties’ intentions – particularly the expectation that the relationship will be of lengthy, indeterminate duration – may be of importance in determining whether a relationship is “marriage-like”. While the court will consider the evidence expressly describing the parties’ intentions during the relationship, it will also test that evidence by considering whether the objective evidence is consonant with those intentions.
[24] The question of whether a relationship is “marriage-like” will also typically depend on more than just their intentions. Objective evidence of the parties’ lifestyle and interactions will also provide direct guidance on the question of whether the relationship was “marriage-like”.
[48] Significantly for this case, the courts have looked to mutual intent in order to find a marriage-like relationship. See, for example, L.E. v. D.J., 2011 BCSC 671 and Buell v. Unger, 2011 BCSC 35; Davey Estate v. Gruyaert, 2005 CarswellBC 3456 at 13 and 35.
[49] In Mother 1, Myers J. concluded his analysis of the law with the following learned comment:
[143] Having canvassed the law relating to the nature of a marriage-like relationship, I will digress to point out the problematic nature of the concept. It may be apparent from the above that determining whether a marriage-like relationship exists sometimes seems like sand running through one's fingers. Simply put, a marriage-like relationship is akin to a marriage without the formality of a marriage. But as the cases mentioned above have noted, people treat their marriages differently and have different conceptions of what marriage entails.
[50] In short, the determination of whether the parties in this case lived in a marriage-like relationship is a fact-specific inquiry that a trial judge would need to make on a “holistic” basis, having regard to all of the evidence. While the trial judge may consider the various factors listed in the authorities, those factors would not be treated as a checklist and no single factor or category of factors would be treated as being decisive.
E. Is There a Reasonable Claim of a Marriage-Like Relationship?
[51] In this case, many of the Molodowich factors are missing:
a) The parties never lived under the same roof. They never slept together. They were never in the same place at the same time during the relationship. The last time they saw each other in person was in November 2017, before the relationship began.
b) The parties never had consensual sex. They did not hug, kiss or hold hands. With the exception of the alleged sexual assault, they never touched one another physically.
c) The parties expressed care and affection for one another, but they rarely shared personal information or interest in their lives outside of their direct topic of communication. They did not write about their families, their friends, their religious beliefs or their work.
d) They expressed concern and support for one another when the other felt unwell or experienced health issues, but they did not provide any care or assistance during illness or other problems.
e) They did not assist one another with domestic chores.
f) They did not share their relationship with their peers or their community. There is no allegation, for example, that Mr. Dorje told his fellow monks or any of his followers about the relationship. There is no allegation that Ms. Han told her friends or any co-workers. Indeed, there is no allegation that anyone, with the exception of Ms. Han’s mother, knew about the relationship. Although Mr. Dorje gave Ms. Han’s mother a gift, he never met the mother and he never spoke to her.
g) They did not intend to have a child together. The child was conceived as a result of a sexual assault. While Mr. Dorje expressed interest in “meeting” the child, he never followed up. He currently has no relationship with the child. There is no allegation he has sought access or parenting arrangements.
[52] The only Molodowich factor of any real relevance in this case is economic support. Mr. Dorje provided the funds with which Ms. Han purchased a condominium. Mr. Dorje initially wrote that he wanted to buy a property with the money, but, he wrote, “It’s the same thing if you buy [it]”.
[53] Mr. Dorje also provided a significant amount of money for Ms. Han’s postpartum care and the child’s first year of life.
[54] This financial support may have been primarily for the benefit of the child. Even the condominium, Ms. Han wrote, was primarily for the benefit of the child.
[55] However, in my view, a trial judge may attach a broader significance to the financial support from Mr. Dorje than child support alone. A trial judge may find that the money Mr. Dorje provided to Ms. Han at her request was an expression of his commitment to her in circumstances in which he could not commit physically. The money and the gifts may be seen by the trial judge to have been a form of down payment by Mr. Dorje on a promise of continued emotional and financial support for Ms. Han, or, in Mr. Dorje’s own words, “Taking care of her and you are my duty for life” (emphasis added).
[56] On the other hand, I find it difficult to attach any particular significance to the fact that Mr. Dorje agreed to provide funds for Ms. Han to purchase a wedding ring. It appears to me that Ms. Han demanded that Mr. Dorje buy her a wedding ring, not that the ring had any mutual meaning to the parties as a marriage symbol. But it is relevant, in my view, that Mr. Dorje provided $20,000 USD to Ms. Han for something she wanted that was of no benefit to the child.
[57] Further, Ms. Han alleges that the parties intended to live together. At a minimum, a trial judge may find that the discussions about where Ms. Han and the child would live reflected a mutual intention of the parties to see one another and spend time together when they could.
[58] Mr. Dorje argues that an intention to live together at some point in the future is not sufficient to show that an existing relationship was marriage-like. He argues that the question of whether the relationship was marriage-like requires more than just intentions, citing Weber, supra.
[59] In my view, the documentary evidence referred to above provides some objective evidence in this case that the parties progressed beyond mere intentions. As stated, the parties appear to have expressed genuine care and affection for one another. They appear to have discussed marriage, trust, honesty, finances, mutual obligations and acquiring family property. These are not matters one would expect Mr. Dorje to discuss with a friend or a follower, or even with the mother of his child, without a marriage-like element of the relationship.
[60] A trial judge may find on the facts alleged by Ms. Han that the parties loved one another and would have lived together, but were unable to do so because of Mr. Dorje’s religious duties and nomadic lifestyle.
[61] The question I raised in the introduction to these reasons is whether a relationship that began on-line and never moved into the physical world can be marriage-like.
[62] Notably, the definition of a spouse in the Family Law Act does not require that the parties live together, only that they live with another person in a marriage-like relationship.
[63] In Connor Estate, 2017 BCSC 978, Mr. Justice Kent found that a couple that maintained two entirely separate households and never lived under the same roof formed a marriage-like relationship. (Connor Estate was decided under the intestacy provisions of the Wills, Estates and Succession Act, S.B.C. 2009, c. 13 ("WESA"), but courts have relied on cases decided under WESA and the FLA interchangeably for their definitions of a spouse.) Mr. Justice Kent found:
[50] The evidence is overwhelming and I find as a fact that Mr. Chambers and Ms. Connor loved and cared deeply about each other, and that they had a loving and intimate relationship for over 20 years that was far more than mere friendship or even so-called "friendship with benefits". I accept Mr. Chambers' evidence that he would have liked to share a home with Ms. Connor after the separation from his wife, but was unable to do so because of Ms. Connor's hoarding illness. The evidence amply supports, and I find as a fact, that Mr. Chambers and Ms. Connor loved each other, were faithful to each other, communicated with each other almost every day when they were not together, considered themselves to be (and presented themselves to be) "husband and wife" and were accepted by all who knew them as a couple.
[64] Connor Estate may be distinguishable from this case because Mr. Chambers and Ms. Connor were physically intimate for over 20 years, and presented themselves to the world as a married couple.
[65] Other decisions in which a marriage-like relationship has been found to exist despite the parties not living together have involved circumstances in which the couple lived under the same roof at previous points in the relationship, and the issue was whether they continued to be spouses after they took up separate residences: in Thompson v. Floyd, 2001 BCCA 78, the parties had lived together for a period of at least 11 years; in Roach v. Dutra, 2010 BCCA 264, the parties had lived together for approximately three years.
[66] However, as Mr. Justice Kent noted in Connor Estate:
[48] … [W]hile much guidance might be found in this case law, the simple fact is that no two cases are identical (and indeed they usually vary widely) and it is the assessment of evidence as a whole in this particular case which matters.
[67] Mr. Justice Kent concluded:
[53] Like human beings themselves, marriage-like relationships can come in many and various shapes. In this particular case, I have no doubt that such a relationship existed …
[68] As stated, Ms. Han’s claim is novel. It may even be weak. Almost all of the traditional factors are missing. The fact that Ms. Han and Mr. Dorje never lived under the same roof, never shared a bed and never even spent time together in person will militate against a finding they lived with one another in a marriage-like relationship. However, the traditional factors are not a mandatory check-list that confines the “elastic” concept of a marriage-like relationship. And if the COVID pandemic has taught us nothing else, it is that real relationships can form, blossom and end in virtual worlds.
[69] In my view, the merits of Ms. Han’s claim should be decided on the evidence. Subject to an overriding prejudice to Mr. Dorje, she should have leave to amend the notice of family claim. However, she should also provide meaningful particulars of the alleged marriage-like relationship.
F. Delay / Prejudice
[70] Ms. Han filed her notice of family claim on July 17, 2019. She brought this application to amend approximately one year and nine months after she filed the pleading, just over two months before the original trial date.
[71] Ms. Han’s delay was made all that more remarkable by her change in position from January 19, 2021, when she confirmed, through counsel, that she was not seeking spousal support in this case.
[72] Ms. Han gave notice of her intention to proceed with this application to Mr. Dorje on March 16, 2021. By the time the application was heard, the parties had conducted examinations for discovery without covering the issues that would arise from a claim of spousal support.
[73] Also, in April, Ms. Han produced additional documents, primarily text messages, that may be relevant to her claim of spousal support, but were undecipherable to counsel for Mr. Dorje, who does not read Mandarin.
[74] This application proceeded largely on documents selected and translated by counsel for Ms. Han. I was informed that Mandarin translations of the full materials would take 150 days.
[75] Understandably in the circumstances, Mr. Dorje argued that an amendment two months before trial would be neither just nor convenient. He argued that he would be prejudiced by an adjournment so as to allow Ms. Han to advance a late claim of spousal support.
[76] The circumstances changed on May 6, 2021, when Madam Justice Walkem adjourned the trial to July 2022 and reset it for 25 days. Madam Justice Walkem noted that most of the witnesses live internationally and require translators. She also noted that paternity may be in issue, and Mr. Dorje may amend his pleadings to raise that issue. It seems clear that, altogether apart from the potential spousal support claim, the parties were not ready to proceed to trial on June 7, 2021.
[77] In my view, any remaining prejudice to Mr. Dorje is outweighed by the importance of having all of the issues between the parties decided on their merits.
[78] Ms. Han’s delay and changes of position on spousal support may be a matter to de addressed in a future order of costs; but they are not grounds on which to deny her leave to amend the notice of family claim.
CONCLUSION
[79] Ms. Han is granted leave to amend her notice of family claim in the form attached as Appendix A to the notice of application to include a claim for spousal support.
[80] Within 21 days, or such other deadline as the parties may agree, Ms. Han must provide particulars of the marriage-like relationship alleged in the amended notice of family claim.
[81] Ms. Han is entitled to costs of this application in the cause of the spousal support claim.
“Master Elwood”
true money台灣 在 米國郎愛台灣 Facebook 的最佳貼文
#ILoveMyColorfulTaiwan
今天買午餐時的等待時間,傳來了一陣吵架聲,是對街一對情侶正在爭執中...
女:I’ve told you thousands times that I wanna go to your country soon. There’s no future here babe. We can have so much better life in New York or whatever cities in America. (我跟你說好多次了,在這裡沒有未來,我們可以在紐約或是美國任何一個城市有更好的生活!)
男:I don’t understand. Taiwan is so perfect. It’s the place we met each other and fell in love with each other. Most importantly, it’s the safest country in the world right now. Why are you pushing me away from this wonderful place? Don’t you love Taiwan? (我不了解,台灣這麼完美,我們在這裡遇見彼此然後相愛,最重要的是,現在這裡是全世界最安全的地方,為什麼你要逼我離開?你不愛台灣嗎?)
女:I do. But life here is so boring and hopeless . I work so hard but I only get half of your pay. This is not fair! I wanna make more money, have my own business, be my own boss, start a new life and make my American dream come true! Aren’t you coming with me? (我愛,但這裡的生活太無聊又沒有希望,我這麼努力工作卻只領你薪水的一半,這太不公平了!我想賺更多錢,想有自己的生意,當自己的老闆,開始新的生活,實現我的美國夢!你不跟我走嗎?
男:Is that why you’re dating me? To fulfill your god damn American dream? This’s so ridiculous. I wake up every morning and see the beautiful sky and colorful trees out of my window. For me, it’s definitely not boring. I feel so energetic and full of hopes Every day! You have no idea what you were saying. The life in New York is not like what you’re thinking. The brutal weather is annoying. The streets are dark, and the trees are so boring. To live there makes me wanna run away of it so bad every second. And that’s why I’m here. I love Taiwan, it’s my home baby. Please don’t be in such negative vibes. We can figure it out together.(這就是你跟我約會的原因嗎?為了實現你的美國夢?這太荒謬了!我每天起來看見窗外美麗的天空和繽紛的樹木,對我來說一點都不無聊,我覺得滿滿的能量和希望,你不知道你在說什麼,紐約的生活不像你想的這麼好,惡劣的天氣很煩人、黑暗的街道和了無生氣的樹木,住在那裡每一秒都讓我想逃離那個地方,那也是我為什麼會在這裡,我愛台灣,這裡是我的家,請你不要有負能量,我們可以一起解決問題.
女:You love Taiwan so much that you won’t come to New York with me? I thought we’re so in love and you’d go anywhere I go. Seems like I was wrong. I love you honey. But truth always hurts. If you stay in Taiwan, you won’t have a good career. You’ll get stuck in Taiwan with your shitty teaching job. You’ll be a loser English teacher forever. That’s what you want for life? (你這麼愛台灣愛到不跟我去紐約嗎?我以為我們很相愛我去哪裡你就去哪裡,看來我錯了,我愛你親愛的,但事實總是殘酷的,如果你待在台灣,你不會有好的職涯,你會困在台灣做很爛教書的工作,你會永遠是一個失敗的英文老師,難道這是你想要的生活嗎?
男:What’s wrong with being an English teacher? I enjoy my work and all my students like me. I’ve got a lot of self accomplishment at this job. I don’t like you being insulting. I’ve saved some money and we could have our own restaurant somewhere, have our own business and you do your own boss here. It’s not necessarily to go to New York for that. (當英文老師有什麼問題?我熱愛我的工作且所有學生都喜歡我,在這份工作裡我獲得很多成就感,我不喜歡你這麼無禮,我存了一些錢,我們可以在這裡開我們的餐廳、做自己的生意、自己當老闆,真的不需要跑去紐約做這些事情!
女:But it’s my dream....(但這是我的夢想...
男:Live here, or leave me. It’s all your choice...(要住這裡,還是離開我,你自己決定...)
大家猜猜女生的回答是什麼🤔好多次在台灣看過台灣女生跟外國男朋友吵架,但大部分都是外國男朋友想回母國台灣女生哭著請男生留下來,第一次看到這麼愛台灣的外國男朋友還求台灣女生留下,讓我都忍不住想衝向前說hey, you got lucky to have this man you know ,但我只是個局外人不小心目睹整段過程,異國戀真的很不容易,希望他們對未來有共識一起幸福快樂,最後我也必須說:I love my colorful Taiwan too!❤️❤️❤️
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* 指定超商:全台四大超商實體門市(7-ELEVEN、全家便利商店、萊爾富便利商店與OK超商) ,不含代收費用。
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* 指定餐廳:全台餐廳(詳注意事項)、外送平台(Uber Eats、foodpanda)、連鎖速食(麥當勞、肯德基KFC、漢堡王、頂呱呱、必勝客、達美樂)、EZTABLE。
📌運動健身/影音娛樂 6%
-每月上限300 (5,000封頂)
* 影音娛樂:KKBOX、Spotify、Netflix、CatchPlay、PlayStation、Garena、Steam、Blizzard、XBOX、Nintendo、NBA League Pass、KKTV、Circles Life(無框行動)、MyCard(官網/App/遊戲儲值入口)、Youtube Premium & Youtube Music、愛爾達電視(ELTA TV)。
* 運動健身:World Gym、健身工廠、True YOGA、True Fitness、Anytime Fitness、Curves(可爾姿)、BeingFit、前勁體能Akrofitness。
活動詳情|https://www.cathaybk.com.tw/cathaybk/personal/credit-card/cards/intro/koko-combo-credit-icash/#tab-01
✅LINE社群| 加入時需輸入密碼shinli
https://line.me/ti/g2/nqnMgLurq6oKZjTmoTeIpQ?utm_source=invitation&utm_medium=link_copy&utm_campaign=default
—————————————————————
*信用卡專區*
💡網購信用卡💡
玉山Ubear |https://pse.is/KXJWW (網購/行動支付3.8%)
玉山Pi錢包|https://shinli.pse.is/PSTRY (PCHome 5%回饋無上限)
GOGO卡| http://comparegroup.go2cloud.org/SH1ju (行動支付/網購6%)
永豐JCB|https://shinli.pse.is/N4YCD (網購6%)
富邦momo|https://shinli.pse.is/RBJNF (網購5%回饋無上限)
💡一般購物信用卡💡
聯邦賴點卡|https://pse.is/DTNEM (國內4%/海外5%)
台新玫瑰Giving卡|https://shinli.pse.is/vhf4q (假日3%)
富邦J卡|https://shinli.pse.is/U8UWP (國內3%無上限)
花旗現金回饋Plus|https://shinli.pse.is/uap54 (指定行動支付10%)
星展eco永續卡|https://shinli.pse.is/RNHW6 (國內3%現金回饋)
玉山Only|https://pse.is/J668L (餐廳3.6%回饋無上限)
FlyGo卡| http://comparegroup.go2cloud.org/SH1jp (高鐵/飯店6%)
匯豐現金回饋卡|https://shinli.pse.is/SWH6N (國內1.22%/海外2.22%)
💡行動支付信用卡💡
台新街口聯名卡 |https://shinli.pse.is/u9t7r (綁街口最高5%)
GOGO卡| http://comparegroup.go2cloud.org/SH1ju (LP/街口/Pi錢包6%)
💡里程信用卡💡
匯豐旅人-輕旅卡|http://comparegroup.go2cloud.org/SH1hy
匯豐旅人-御璽卡|http://comparegroup.go2cloud.org/SH1hz
匯豐旅人-無限卡|http://comparegroup.go2cloud.org/SH1i0
國泰亞洲萬里通-世界卡|https://shinli.pse.is/x8ccv
國泰亞洲萬里通-鈦商卡|https://shinli.pse.is/vtcus
玉山Only|https://pse.is/J668L (最高5.2%回饋無上限)
💡公告至2021信用卡💡
聯邦賴點卡|https://pse.is/DTNEM (國內4%/海外5%)
花旗現金回饋Plus卡|https://shinli.pse.is/uap54 (指定行動支付10%)
台新玫瑰Giving卡|https://shinli.pse.is/vhf4q (假日3%)
永豐JCB|https://shinli.pse.is/N4YCD (網購5%/外送平台10%)
永豐Sport|https://shinli.pse.is/N4YCD (健身房/運動用品/藥妝店8%)
玉山Pi錢包|https://shinli.pse.is/PSTRY (國內最高5%)
玉山UBear icahs聯名卡|https://pse.is/KXJWW (網購/行動支付3.8%)
玉山e.Fingo|2a5GCNHG (輸入推薦碼享抽獎機會)
iLEO|https://pse.is/H4H8E (72萬1.2%超高活存利息)
遠銀Bankee|https://pse.is/FDDA4 (2.6%活存利息)
*高活儲網銀專區*
永豐大戶|https://shinli.pse.is/TW36T (50萬內1.1% 推薦碼shinli)
Richart | https://tsbk.tw/urwbc/(輸入推薦碼SHINLI4 送Richart造型帆布袋乙個)
王道銀行|https://pse.is/KGYJB (享100現金回饋)
iLeo|https://pse.is/H4H8E (1.2%超高活存利息)
遠銀Bankee|https://pse.is/FDDA4 (2.6%活存利息)
*APP推薦*
富果帳戶|https://shinli.pse.is/M4Q9V (註冊享108元)
新光證券|https://shinli.pse.is/3a3qpk(註冊完成步驟享500元手續費抵用金)
開戶完成後,將姓名、身分證、電話寄信至 yali@skis.com.tw
並註明「SHINLI推薦」,即可享有抵用金
全聯|O4EL1D8 (輸入推薦碼享200點)
家樂福|A542GMO (輸入推薦碼享9,000點)
註冊Shopback👉https://shinli.pse.is/SR4UE (享100獎勵金)
true money台灣 在 SHIN LI Youtube 的最讚貼文
#信用卡 #高活存 #信用卡推薦
合作信箱✉️ : xshinxli@gmail.com
❗️影片未經同意請勿任意轉載、二次搬運、寫成新聞稿
❗️每月45元幫助我創作更多影片|https://shinli.pse.is/PD4Q5
—————————————————————
聯邦賴點卡|https://shinli.pse.is/ulbav (國內4%/海外5%)
🔺賴點卡10/31前申辦首刷禮加碼100點LINE Points
📌公告日期至110/1/31
📌國內2% / 海外3%
-LINE Points回饋無上限
📌LINE Pay Money繳卡費加碼2%
-活動至12/31
-每月需利用聯邦銀行任一儲值一筆
-每月上限200 (10,000元)
🔺10,000以內國內4% / 海外5%
📌一卡通自動加值1%
-每次享5點LINE Points
📌萊爾富消費1% + Hi點數2倍
-LINE Points回饋
📌首刷禮
-10/31前,核卡30日內消費累積滿888
享LINE Points300點 或 LINE Frient滑鼠 (限量10,000份)
花旗現金回饋Plus卡|https://shinli.pse.is/uap54 (指定行動支付10%)-110/12/31
📌國內外2%
-每年上限6萬(300萬封頂)
-保費也包含
📌新戶指定行動支付10% -1091231
-10/1-12/31申辦新戶
-核卡後首期帳單及次期帳單起(含)連續3個月帳單享優惠
-4期帳單8%加碼回饋累積最高回饋NT$1,000(12,500封頂)
-Apple Pay、Samsung Pay、Line Pay、街口支付、Pi 錢包、PX Pay、SKM Pay、Happy Go Pay、eslite Pay、家樂福錢包
-新卡友係指過去180天內不曾持有任一花旗信用卡正卡者
📌悠遊卡自動加值0.5%
永豐JCB|https://shinli.pse.is/N4YCD (網購5%/外送平台10%)
📌回饋公告至110/3/31
📌國內1%/海外2%現金回饋無上限
📌百貨/網購/餐廳加碼4%
-國內5%/海外6%
-每月上限500 (12,500封頂)
-每月需新增一般通路2,000元以上
📌飲料/外送平台加碼8%
-國內9%/海外10%
-每月上限200 (2,500封頂)
-每月需新增一般通路2,000元以上
* 百貨:遠東百貨、遠東SOGO、新光三越、微風、環球購物中心、統一時代百貨、京站時尚廣場、誠品生活、台茂購物中心、遠東巨城購物中心、大江國際購物中心、南紡購物中心、漢神巨蛋、漢神百貨、夢時代、義大世界購物廣場、大魯閣草衙道、太平洋百貨、。
* 網購:momo、生活市集平台全通路 (含生活市集、松果購物)、東森購物、PChome、YAHOO、蝦皮購物、博客來、Viva美好家庭、friDay購物、udn買東西、白蘭氏健康Mall、GOMAJI、UNIQLO網路商店、lativ、ZARA網路商店、citiesocial、綠界科技、淘寶網、 Amazon、日本樂天、Gmarket、Mytheresa、Harrods、FARFETCH 、SHOPBOP、Lookfantastic
* 餐廳:以設立於國內提供用餐之實體商店為主
* 飲品/外送:迷客夏、CoCo都可、50嵐、大苑子、清心福全、茶湯會、鮮茶道、珍煮丹、COMEBUY、水巷茶弄、康青龍、cama café、路易莎咖啡、歐客佬、伯朗咖啡、丹堤咖啡、怡客咖啡、Uber Eats、foodpanda。
永豐Sport|https://shinli.pse.is/N4YCD (指定通路8%)
📌活動公告至110/6/30
🔺需下載汗水不白流APP|推薦碼VOCRBH (享3,000點卡路里)
📌基本回饋 2%回饋無上限
-包含保費(排除項目除外)
不含富邦人壽(含原ING安泰人壽)保費、三商美邦人壽保費、特定行銷專案保費(包含但不限於法國巴黎/安聯…等特定專案保費)
📌運動獎勵3%
-每月運動7,000卡
-加碼1%每月上限600(60,000封頂)
📌指定通路8%
-基本回饋2% + 運動加碼1% + 通路加碼5%
-加碼5%每月上限600(12,000封頂)
【運動通路】👉World Gym、健身工廠、TRUE YOGA FITNESS、Curves、Anytime Fitness、極限、BEING sport、成吉思汗健身俱樂部、300壯士俱樂部、活力陽光運動中心、台北市運動中心、新北市運動中心
【運動用品】👉NIKE、adidas、PUMA、New Balance、摩曼頓運動用品、迪卡儂、尚智運動用品、ASO阿瘦皮鞋、La New、捷安特、萬岳體育用品、微笑運動用品、奇摩吉、優尼聖運動用品、城市綠洲、哈林運動用品、運動市集、墾趣運動用品、歐都納、GO HIKING、GO WILD
【生活美妝】👉屈臣氏、康是美、寶雅、Tomod’s、松本清、日藥本舖
【有機商店】👉Green&Safe、里仁、聖德科斯、棉花田、主婦聯盟生活消費合作社、無毒農、柑仔店、無毒的家、天和鮮物、UrMart、台灣營養
【醫療健保】👉好心肝健檢中心、杏一藥局、大樹藥局、丁丁藥局、啄木鳥藥師藥局、新高橋藥局、健康人生藥局、躍獅連鎖藥局、佑全連鎖藥局、一安藥妝藥局、宏林健保藥局、博登藥局、環球生活藥局、富康活力藥局、欣安藥妝、合康藥局、博昱藥局、春天連鎖藥局、唯新婦嬰生活藥局
🔺點數1點折抵1元帳單
玉山Pi錢包|https://shinli.pse.is/PSTRY (國內最高5%)
📌活動日期至110/2/28
📌國內消費1.5%
📌國外消費3%
📌Pi錢包消費 4%
-1.5%無上限+2.5%每月上限400(16,000封頂)
📌Pi錢包指定通路消費 5%
-1.5%無上限+1%指定通路加碼無上限+2.5%每月上限400(16,000封頂)
-PChome旅遊/有無快送/台灣大車隊
🔺PCHome僅享有4%
🔺所有P幣回饋活動需綁定電子帳單或行動帳單
玉山UBear icahs聯名卡|https://pse.is/KXJWW (網購/行動支付3.8%)
玉山e.Fingo|2a5GCNHG (輸入推薦碼享優惠)
📌活動公告至110/2/28
📌平日於麥當勞/康是美/星巴克以icash2.0消費享8%
-OPEN POINT點數回饋
-單筆消費需達100元(含)以上
-每月回饋上限300點
📌網購3.8%
-每月上限600
📌感應行動支付四大超商5%
-每月上限200
📌指定影音娛樂 20%
-每月上限200
-Nintendo、PlayStation、Netflix、Spotify。
iLEO|https://pse.is/H4H8E (72萬1.2%超高活存利息)
📌活動至 2021年6月30日
📌最高72萬1.2%
-12萬iLEO+60萬小豬公(與Money錢合作)
🔺需下載小豬公APP
📌由小豬公APP設定每日存入金額
-最多存60萬
-100-3,000
-會自動幫你計算存幾天可以擁有少錢與多少利息
-存放天數最少30天最長365天
-計畫結束,小豬公的錢將會回到iLEO
-最多可有3個存錢計畫
-最短時間存到60萬,3個計畫每天存3,000 = 9,000,34天可以存滿
🔺儲蓄皆還是會在iLEO中,但他是利用圈存,帳面數字不會面,可是可用餘額會減少
🔺每日計息,每月付息
🔺若要中止點擊「中止計劃」錢就會回到iLEO中
New new bank -110/1/20
聯邦賴點卡|https://shinli.pse.is/ulbav (國內4%/海外5%)
🔺賴點卡10/31前申辦首刷禮加碼100點LINE Points
📌10萬內享2%
-每月付息
📌跨轉/跨提各10次手續費減免優惠
-從各25次下修到各10次
📌每月儲值一筆至LPM繳卡費享2%
-每月上限200點(10,000封頂)
🔺建議與賴點卡共同申辦效益最大
https://web.ubot.com.tw/UB/new_bank_a/index.aspx
遠銀Bankee|https://pse.is/FDDA4 (2.6%活存利息)
📌5萬內活存2.6%
-只要邀請2位開戶即享5萬內2.6%半年的活存
-每月付息
📌每月跨轉、跨提各6次免手續費
📌超過5萬0.6%無上限
🔺透過我的連結申辦即可享有半年2.6%
🔺無法與其他活動併用
✅LINE社群| 加入時需輸入密碼shinli
https://line.me/ti/g2/nqnMgLurq6oKZjTmoTeIpQ?utm_source=invitation&utm_medium=link_copy&utm_campaign=default
—————————————————————
2020推薦信用卡
富邦J卡|https://shinli.pse.is/U8UWP (國內3%無上限)
聯邦賴點卡|https://pse.is/DTNEM (國內4% / 海外5%)
花旗現金回饋Plus卡|https://shinli.pse.is/uap54 (指定行動支付10%)
玉山Ubear |https://pse.is/KXJWW (網購/行動支付3.8%)
GOGO卡| https://shinli.pse.is/V29G4 (行動支付/網購6%)
FlyGo卡| https://shinli.pse.is/UTMAF (高鐵/飯店6%)
玉山Pi錢包|https://shinli.pse.is/PSTRY (國內最高5%)
玉山only|https://pse.is/J668L (5.2%回饋無上限)
台新街口聯名卡 |https://shinli.pse.is/MJXHU (加油12%)
永豐JCB|https://shinli.pse.is/N4YCD (網購5%/外送平台10%)
永豐Sport|https://shinli.pse.is/N4YCD (健身房/運動用品/藥妝店8%)
匯豐現金回饋御璽卡|https://pse.is/TM5DW (國內/保費1.22%)
2020推薦網銀
永豐大戶|https://shinli.pse.is/TW36T (50萬內1.1% 推薦碼shinli)
Richart | https://tsbk.tw/urwbc/(輸入推薦碼SHINLI4 送Richart造型帆布袋乙個)
王道銀行|https://pse.is/KGYJB (享100現金回饋)
iLeo|https://pse.is/H4H8E (72萬1.2%超高活存利息)
遠銀Bankee|https://pse.is/FDDA4 (2.6%活存利息)
—————————————————————
🚩不用錢也能支持SHINLI的方法
➡️ http://user22896.piee.pw/C45C7
true money台灣 在 Rich & Wealthy- 30 June 2019 今天下午, 寄完貨, 就去了烏來一 ... 的推薦與評價
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請問可以嗎?
還是台灣哪裡有在賣?
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※ 發信站: 批踢踢實業坊(ptt.cc)
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