SKU: 21775093004

【生活中的財金素養】無法控制欲望的比利:我真的真的好想買 (希拉.貝爾)

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【生活中的財金素養】無法控制欲望的比利:我真的真的好想買 (希拉.貝爾)1. 2. 3. 1. 2. 3. 4. 5. 6. 7. 1. 2. 3. 4.FQ 5. 6. 7. 1. 2. 3. Sheila Bair 10% 65 Amy Zhing BUGSSTEM101

作者:希拉.貝爾 | 繪者:鄭艾美 | 譯者:劉維人


     
       鰹鳥比利好想擁有一些厲害的物品:
  下雨時用的雨傘、太陽能風扇、紫色條紋假髮、
  霓虹綠鞋子和烤魚架,就和他的朋友們一樣。
  他想要什麼,就跟海豹老闆買什麼。

  一個月過去、兩個月過去……
  但他無法償還從海豹老闆那裡借來的一切費用。
  一個月過去、兩個月過去……
  猜猜看,比利接下來會遇上了什麼大麻煩?

本書特色

  《無法控制欲望的比利:我真的真的好想買》
  ◎要當心!避免衝動購物
  ․認識「想要」和「需要」的不同,了解「延遲享樂」的必要。
  ․借錢只能買「需要」的東西,而不是「想要」的東西。

  ◎要當心!貸款要謹慎,事前要評估
  ․想一想:為什麼需要借錢和怎麼還錢、貸款的機構是否誠信可靠、如果沒有準時還款會有什麼後果。
  ․考慮使用資金的機會成本,評估是否要借貸。

  ◎要當心!貸款不只是「借」,還要記得「還」。
  ․一定要留意,小心利息滾利息,變成一個借錢傻瓜。
  ․一定要會算:每個月繳款的利息是多少?利息再加上利息的累積債款又是多少?

  ★本書將會告訴你……
  1.分辨「想要」和「需要」。
  2.避免被賣家話術吸引,造成「衝動購物」的危險。
  3.認識「貸款」和「複利」,認識利息累積與償還的機制。

書系特色

  「生活中的財金素養」系列繪本
  ★內容涵蓋:
  1.勞動價值
  2.投資理財
  3.儲蓄規劃
  4.理性消費
  5.風險控管
  6.貸款危機
  7.金融詐騙

  ★系列特色:
  1. 培養孩子的財金能力。
  2.貼近生活與充滿想像的故事,引發孩子的閱讀興趣。
  3.透過故事,深入淺出的將艱澀知識轉化為淺顯易懂語言。
  4.深度與廣度兼具的議題,增進孩子的財務智商(FQ)。
  5.專業老師審訂,給予孩子最正確的財金知識。
  6.建立財務安全意識,養成負責任的消費態度。
  7.故事後附上延伸閱讀,幫助孩子釐清並架構完整的財金概念。

  ★適合推薦:
  1.小學生及對金錢感到好奇的孩子們。
  2.想要協助孩子建立金錢觀念的家長們。
  3.積極投入財金素養教學現場的教師們。

作者

希拉.貝爾(Sheila Bair)

  這輩子大部分的工作都跟錢有關,從紐約證券交易所、美國財政部、一路成為美國聯邦存款保險公司的前主席,也是麻薩諸塞大學財務金融系教授。被《時代》雜誌譽為「小市民的守護者」。雖然還滿懂錢的事情,但仍花了很多時間才發現存錢跟花錢一樣好玩。她跟家人都很喜歡蒐集東西,像是漂亮的貝殼、瓶蓋、石頭、郵票。當然也會把收入的10% 存起來。她希望每個人都懂儲蓄,65 歲的時候都成為百萬富翁。

  
繪者

鄭艾美(Amy Zhing)

  
艾米在英國海濱城市普利茅斯長大。她在大學學習美術,但意識到作為一名獲獎美術藝術家的職業生涯對她來說太嚴肅了。因此,她決定嘗試成為一名獲獎插畫家。

  
譯者

劉維人

  臺師大生物系,東華創作與英語文學研究所畢業。現為自由譯者。

  著有知識童書《打開文明之門》、《打開現代之門》。譯有《蟲蟲大書BUGS》、《STEM動腦大挑戰》、《101種動物》等系列繪本、《大腦的祕密》、《波拉走丟了》等繪本、以及《大玩算數》等科普類書籍。
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lebowitzit
Dallas, US
★★★★★ 5
Fits Fine, Looks Great, Sizing Makes No Sense
Size: 16.5" Neck 32"-33" Sleeve, Color: White, Size: 16.5" Neck 32"-33" Sleeve, Color: White
I hate shopping for dress shirts. For me, at least, it is a thoroughly frustrating experience, mostly because there's no consistency at all to the sizing. Actually, that's not quite true: dress shirts consistently DON'T FIT ME PROPERLY, which means I have to look at a lot of shirts and scrutinize size charts - which are usually incomplete, when they're provided at all - before finally finding The One. And sometimes, like this time, I don't manage to find The One. But this shirt comes close, as I will explain. The problem stems from my physique, which I never thought of as unique, but here it is: I'm short (just under 5'4", with a 40-41" chest, a little extra weight (so my middle is about the same), a 36" waist, 33" arms when measured the traditional way (more on that later) and a 16" neck. That last measurement is the single biggest problem: most shirt manufacturers apparently think that if you have a 16' neck, you are shaped like Omar the Tentmaker. Van Heusen is no exception. Note that this shirt is listed as "fitted". Now, that's a completely amorphous descriptor, which, I suppose, is true for most shirt fit descriptors these days. But if you look at Van Heusen's "regular" fit shirts, you'll find that they think if you have a 16" neck, you must have a nearly 50" chest and your waist is over 45". That's not regular, that's freakin' portly! I was afraid to even look at any of their Big & Tall men's dress shirts -- if their idea of regular fit was this skewed, then I didn't want to know what they think Big & Tall is. Thankfully, this is a "fitted" shirt, so Van Heusen thoughtfully provides the 16" neck version with a 42-44" chest and 36-38" waist. That's the size I bought, and it actually fits me pretty well. Still a little loose for a "fitted" shirt, but it doesn't look baggy, and that's what I was after. But a little more realism in the size descriptions would be greatly appreciated. Regarding the sleeve length, I really don't know what's up. I've seen charts that tell you how to measure it, but no matter how I measure it, I never manage to come up with any of the sleeve lengths provided on size charts. I have noticed that there appear to be two ways of measuring it, though. One way, which I call the traditional way because it seems to have been around longer, starts the measurement somewhere between the edge of the shoulder and the neck. At least, I think that's where it starts -- approximately. As I said before, I never manage to come up with the same number. But by this measurement, my correct sleeve length is 32-33", and the average guy's is probably 34-35". In the last year or so, when I shopped for shirts, I found some size charts using a different method, because the numbers were a lot lower, anywhere from 22" to 28". I have no idea where they came up with that measurement, nor do I know what mine is by this method, because the shirts I ended up buying so far have all used what I referred to as the traditional method. Anyway, the shirt looked quite nice on me, right out of the package, and continues to look quite nice on me after a couple of washings. The photo I attached is what the shirt looked like after being washed twice. I wash my shirts on my machine's Delicate cycle and hang them to dry. When cared for this way, the shirt does a pretty good job of living up to the listing's claim of wrinkle resistance. It doesn't come out perfectly smooth and crisp, but it looks good enough that I don't feel inclined to iron it. I decided on a poplin shirt because I was shopping for a summer-weight shirt that would breathe well. But poplin shirts proved nonexistent in my local stores, and not all that plentiful online. Poplin shirts listed online with full size charts so I could tell whether or not they might fit me were nearly as hard to find as igloos in the Mojave Desert, and poplin shirts whose size charts indicated that they were available with dimensions that would actually fit me were somewhere between that and hen's teeth. Needless to say, I was thrilled when I found this one. But the composition of poplin appears to be open to some interpretation. I own a few poplin business shirts (which I wear without suits and ties), and upon receiving my new Van Heusen shirts, it seemed to me that my poplin business shirts were lighter and breathed better. But then it occurred to me that shirt manufacturers often treat their material with coatings that improve the luster and crispness of their shirts for display purposes, and such coatings might be why my new shirts felt stiff, heavy and not particularly airy. Not wanting to give up and send the new shirts back, I decided to take a risk and launder them to see if that improved the feel. Thankfully, it did. After two washings, my new shirts are less shiny than delivered (which I'm fine with), a lot less stiff and breathe reasonably well. So... these shirts fit well, look good and feel good. Check, check and check. That means I'm fully satisfied with them, right? Wrong -- I am NOT fully satisfied with them. It's summertime. Summertime where I live is hot and often quite humid. I wanted shirts appropriate for that weather. To me, that has always meant lightweight broadcloth short-sleeve shirts. But it seems that today's Fashion Police have decreed that there is no longer such a thing as a short-sleeve dress shirt. They have decreed that today's well-dressed men must wear heavy cotton, long-sleeve shirts year-round. Well, excuse me for living, but some of us perspire when dressed that way in summer heat. Poplin shirts were presented to me as the compromise between acceptable modern fashion and comfort. Linen shirts were also recommended, but I couldn't find a single linen shirt what didn't have a crinkly, casual finish, much less one that was intended to be worn with a tie. With extreme effort, I found a poplin shirt that fits well, and I bought two of them, but while they are more comfortable in the sticky summer heat than heavy cotton, they are NOT as comfortable as my old short-sleeve dress shirts. I want new short-sleeve dress shirts, dagnab it! But until I successfully identify and locate all those insane Fashion Police, blow up their air conditioners and confine them to a Chicago Summer Simulator (otherwise known as a sauna) for three days in their heavy cotton shirts so that they will once again bless the manufacture of short-sleeve dress shirts, I guess these Van Heusen fitted long-sleeve poplin shirts will have to do.
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on August 30, 2024
T
Verified Purchase
Tom McCartney
Belleville, US
★★★★★ 5
Great quality and true to size labeled.
Size: 16.5" Neck 32"-33" Sleeve, Color: White
Top quality shirt at a great price. Sleeve and neck size true to as labeled. Material lightweight, which is perfect. I could not be happier with this purchase.
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Reviewed in the United States on May 22, 2026
C
Verified Purchase
Cut-AWAY
Cuba, US
★★★★★ 4
Top neck button is hard to close!
Size: 18" Neck 32"-33" Sleeve, Color: White
The top neck button is hard to close when you need to wear a necktie, especially if you have arthritis of the fingers like I do! Also, If your neck is a size 18 , it’s a tighter than what I’m used to! Otherwise a great fit and nice material!
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Reviewed in the United States on May 6, 2026
S
Verified Purchase
Serguei
Dallas, US
★★★★★ 5
Great fit
Size: 18" Neck 36"-37" Sleeve, Color: Lemon Glaze
Great fit. It’s hard for me to find a shirt that fits right, but this one works perfectly. Van Heusen makes reliable, good-quality shirts.
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Reviewed in the United States on April 7, 2026
J
Verified Purchase
Juanita Ramirez
Battle Creek, US
★★★★★ 5
Beautiful Shirt
Size: 16" Neck 32"-33" Sleeve, Color: White
Great Shirt good quality!
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on May 8, 2026

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