Legally cover illegal. Tamsui "No. 8 Club" hidden gambling and video games are still planted

Legal cover is illegal or planted! An operator named Xu (56 years old) at the "Eight Club" electronic entertainment venue in Tamsui, New Taipei City, although he has a legal license, hides gambling and video games in the store, and even prints the "Law on Exercising Police Powers" to employees in an attempt to evade police investigation. After the New Taipei City Police received the report, the Inspectorate of the New Taipei City Police Department and the New Taipei City Criminal University conducted investigations. After a half-year search for evidence, they went to investigate this Sunday (7th). Seven employees including Xu’s surname were seized on the spot. There were 28 gamblers, seized 131 gambling machines, 1.6 million yuan in cash, monitors, account books and other related exhibits. After the hearing, they were transferred to the law in accordance with the gambling crime and the "Administrative Regulations on the Electronic Game Field Industry."

It is understood that the Xingda University of New Taipei City has information and resources. The "No. 8 Club" electronic amusement venue located at No. 8 Danjin Road, Tamsui District, is one of the 17 licensed electronic amusement venues in New Taipei City. It has been in business for more than 10 years. Recently, he was suspected of operating gambling and video games. It is understood that the store adopts a membership system. The business allows regular customers to hold a point card and exchanges cash for cash at a ratio of 1:1 through employees surnamed Chen, commonly known as "rats." The "Law on the Exertion of Police Powers and Powers" provides employees with difficulties to cope with police inspections.

The New Taipei City Police Inspectorate received a report in September last year and reported it to the Shilin District Prosecutor’s Office. Various gambling machines including baccarat, 7PK, tiger and robotic arm were seized in the amusement park.

The police seized 131 gambling and video game machines at the scene with more than 1.6 million yuan in cash. The person in charge of the scene, Xu Nan, employee Chen Nan, and a total of 35 gamblers, were suspected of violating the "Administrative Regulations on the Electronic Game Industry" and gambling after the police call Transfer to justice. New Taipei City Police Commissioner Huang Zongren pointed out that gambling and video games can cause people to indulge and cause public order issues. We will never allow video games to sell dog meat or secretly operate gambling and video games. They will also continue to investigate to clean up public order and provide them to the citizens of New Taipei City. A high-quality living environment to live and work in peace and contentment.

[TW]

合法掩護非法　淡水「八號俱樂部」藏賭博電玩還是栽了

合法掩護非法還是栽了！新北市淡水「八號俱樂部」電子遊藝場徐姓業者（56歲），雖領有合法執照，卻在店內暗藏賭博電玩，甚至還列印《警察職權行使法》給員工，企圖躲避警方查緝。新北市警方獲報後，由新北市警察局督察室與新北市刑大進行調查，經半年蒐證後於本周日（7日）前往查緝，當場查獲徐姓業者在內等7名員工、賭客28人，查扣131台賭博機台、現金160萬元、監視器、帳冊等相關證物，訊後依賭博罪及《電子遊戲場業管理條例》移送法辦。

據了解，新北市刑大掌握情資，位於淡水區淡金路8號的「八號俱樂部」電子遊藝場，為新北市17張有執照的電子遊藝場其中之一，至今營業已10餘年時間，近日卻涉嫌經營賭博電玩。據了解，該店採取會員制，業者讓熟客持點數卡，在店內透過俗稱「老鼠」的陳姓員工，以1：1的比例來換取現金；業者為了躲避警方追緝，更列印《警察職權行使法》給員工，刁難應付警方臨檢。

新北市警局督察室去年9月接獲線報，報請士林地檢署指揮偵辦，新北市警方本周日由刑事警察大隊、淡水分局、保安警察大隊及中和分局持搜索票前往搜索，在遊藝場內查獲涉嫌經營百家樂、7PK、老虎及機器手臂等多樣式賭博機台。

警方現場查扣131台賭博電玩機台，現金160餘萬元，現場負責人徐男子及員工陳男及賭客共35人，警訊後依違反《電子遊戲場業管理條例》及賭博罪嫌移送法辦。新北市警局長黃宗仁指出，賭博電玩易讓人沉迷及衍生治安等問題，絕不容許電子遊戲場掛羊頭賣狗肉，暗地違法經營賭博電玩，也會持續查緝，以淨化治安，給新北市民一個安居樂業優質的生活環境。

Love to gamble and fail to take responsibility

[US] The owner of a building material store in Kaohsiung became obsessed with Zengbo and owed a huge sum of 25 million yuan. [TW] 高雄某建材行老闆沉迷贈博欠下2500萬鉅款後落跑，留下妻小面對債主逼債。

After being addicted to gambling 15 years ago, the owner of a building material store in Kaohsiung not only ignored business, but also owed debts. His wife was struggling to support his business in order to help him repay the debts. After continuing to come to the house, She had to petition the court for divorce to sever the relationship. After the judge's hearing, the marriage relationship between them was considered to be a mere formality and the divorce was approved.

The verdict pointed out that after the owner of the building materials store and his wife got married in 1980, they had 4 children after marriage. In 2005, the owner of the building material store began to indulge in gambling, such as mahjong, Tianjiu cards, underground sports lottery, lottery, and lottery. Pigeon racing and so on all played. At first, he lost money, and the boss still had some money to deal with by himself. Later, he lost more and more, so he had to go home and ask his wife for help.

On the one hand, his wife was angry that he ignored his business and family in order to give a blog, but still used money to help him solve his debts. After seeing his wife for help, the boss did not reform and the prodigal son turned back. Instead, he became more and more gambled.

The owner of the building materials shop wins less and loses more. He goes home and his wife makes a loud noise without getting the money. He also beats his wife. In recent years, he beats his wife more frequently. He mortgaged his land to the peasant association and said that he could deal with the money he owed. After his wife promised, he did not take the money to repay the debt. Instead, he used it as his gambling money. After losing it all, the creditor came to the door. Worried about affecting the family's business operations and the peace of life, I had to help him deal with his debts.

In August last year, the boss suddenly put down his wife and child. The family members called him and realized that they had stopped talking. A few days later, a large number of creditors came to the door. After estimation, the wife found out that the husband owed a huge amount of 25 million yuan outside. After her husband had dealt with gambling debts for many years and was exhausted physically and mentally, she decided to make a clean decision with her husband, so she petitioned the court for divorce.

During the trial in the Kaohsiung Family Court, the boss failed to appear after repeated summons. Based on the testimony of the two sons and daughters and related evidence, the judge determined that the boss of the building materials store had a debt due to gambling problems. Due to debts, wives and children have to constantly face demands from creditors and bear considerable mental and financial pressure. Anyone in the same situation will lose the will to maintain the marriage. Therefore, the two are allowed to divorce and can appeal.

[TW]

愛賭又沒擔當 建材行老闆欠2500萬鉅款落跑

高雄某建材行老闆在15年前沉迷賭博後，不但不顧生意，還四處欠債，妻子為了幫他還債苦撐生意，但他在去年欠下2500萬鉅款後落跑下落不明，妻子面臨債主不斷上門，只好向法院訴請離婚斷絕關係，法官審理後認為兩人婚姻關係徒具形式，判准離婚。

判決指出，該名建材行老闆和妻子在1980年結婚後，兩人婚後育有4名子女，2005年時，建材行老闆開始沉迷賭博，麻將、天九牌、地下運動簽賭、六合彩、賽鴿等全都玩，一開始輸錢，老闆身上還有點錢能自己處理，後來愈輸愈多，他只好回家開口請老婆幫忙。

老婆一方面氣他為了贈博不顧生意、不顧家庭，但還是拿錢出來幫他解決債務，老闆見妻子幫忙後，卻沒有改過自新、浪子回頭，反而變本加厲愈賭愈大。

建材行老闆贏少輸多，回家跟老婆沒拿到錢就大小聲，也曾動手打老婆，近年更頻繁，要不到錢也會摔東西，他曾向老婆說要把做意賺來的土地向農會抵押借款，還說欠的錢不多自己可以處理，老婆允諾後，他卻沒有把錢拿去還債，反而再拿去當自己的賭金，輸光後債主找上門，老婆擔心影響家中事業經營及生活安寧，只好再幫他處理債務。

去年8月，老闆突然放下妻小人間蒸發，家人打他電話驚覺已經停話，幾天後，大批債主找上門，經估算後，老婆發現丈夫竟在外頭欠下2500萬鉅款，已幫丈夫處理多年賭債、身心俱疲的她，決定要跟老公斷乾淨，於是向法院訴請離婚。

高雄少家法院審理時，老闆經多次傳喚都沒有出庭，法官根據兩人兒女證詞及相關事證，認定建材行老闆因賭博問題在外積欠債務，妻子協助清償後仍未加反省而又生新債務，導致妻小需不斷面臨債權人的催討，承受相當大的精神與經濟上壓力，任何人處於同一情況下，都會喪失維持婚姻的意願，因此判准兩人離婚，可上訴。

What's the difference between a rich man and a normal person? They won't have these 20 bad habits

1. Get up too late, get used to staying up late

2. Ignore the importance of health

3. No time for reading

4. Relying on a single source of income

5. No accounting and budget setting

6. No savings

7. Ignore daily odds and ends

8. Wasting time on unimportant people

9. Procrastination

10. Drinking and gambling

11. Watching too much TV

12. No life mentor

13. Be willing to stay in the comfort zone

14. Don't dare to ask questions

15. Be crushed by failure

16. No daily goal set

17. Negative thinking

18. Don't just put money in the bank

19. Make excuses

20. Failure to follow the 70/30 rule

We have previously shared that the difference between "rich people" and ordinary people is not only rich. Research: rich people even have different psychological characteristics. We have analyzed the common traits of most rich people in personality. Let’s take a look at whether there is any difference in habits between rich people and ordinary people, apart from the differences in personality traits. The following lists 20 common bad habits of ordinary people. If you want to become rich and successful in your career, you must get rid of these habits to increase your success rate.

1. Get up too late, get used to staying up late

As the saying goes, "the early bird catches the worm", but in fact, people nowadays always like to stay up late with revenge and stay in bed the next day until noon. Such a vicious circle will only cause the daytime work to be unfinished, and it will be delayed for more time. When the night comes, it will be shocked that there is no rest, and precious sleep time will be used to chase dramas and play mobile games.

2. Ignore the importance of health

Thomas Corley wrote in "Wealthy Habits": "When it comes to health, one must talk about how bad habits affect health."

When you are in an unhealthy state, you will feel tired and low productivity, which makes you more stressed and more likely to get sick. If you have to spend a lot of time every day just fighting the symptoms caused by these bad habits, then what time is there to improve efficiency?

3. No time to read

The rich will invest the necessary time and energy to expand their knowledge, grasp the news and trends in their own industry, and broaden their minds to learn new things from others.

As Lipovsky said, reading will bring different perspectives. When these perspectives are internalized into their own knowledge, they will talk and collide with each other again, forming an implosion of knowledge. These learning experiences will make you better. The key to one floor.

4. Relying on a single source of income

If you are a person with clear financial goals, you may be used to dividing your income into several parts, which are used to save retirement pensions, invest in funds, or plan monthly entertainment and social funds.

When you divide your monthly expenditure items into different categories, don’t forget that eggs can’t be put in the same basket, and it’s best not to have only one income channel.

This is not to force everyone to have a second job. Additional sources of income may come from things you are passionate about, such as writing articles and teaching skills. Some things may take some time to accumulate to see real benefits, but these are necessary and worthwhile investments.

5. No accounting or budget setting

Thomas Stanley and William Danko, the authors of "It turns out that the rich do this: imitate the wealth management skills of the rich, learn how to get rich", observe the daily life of millionaires in "The Next Rich Man Is You", It is found that setting a budget for each item is a common habit of most wealthy people.

Few people actually plan the budget, and even if they plan, they don’t follow it. This habit will make it difficult to grasp the daily expenses, and finally unknowingly exceed your own income without noticing it. In order to avoid always moonlighting, maybe you can start learning to keep accounts and plan budgets.

6. No savings

"In my research, 95% of the poor have no savings. Most people have accumulated a lot of debt in order to maintain their quality of life. Therefore, they are retiring, paying for their children’s education, or have a sudden I was surprised when I had no savings to afford investment opportunities.” There is a narrative in Tom Corley’s book that explains what a person might encounter when his income can only be equal to his expenses and he has no savings. The problem.

7. Ignore daily odds and ends

You might think that spending 55 yuan a day to buy a cup of hot latte, and those gym members you have never used have no effect on your wallet, but in fact, these fractional expenses will eventually accumulate sand into a tower, turning into a considerable sum of money Amount.

You can open your online banking app right now and take a look at your expenses. I believe you will be surprised that the money for buying coffee, drinking a hand shaker, eating or watching a movie accounted for a large part of the credit card fee every month. Data shows that 35% of people can only pay the minimum amount of credit card fees each month.

This also highlights why setting a budget is so important. It can help you manage these fragmentary expenses, save you unnecessary expenses and meet necessary needs.

8. Wasting time on unimportant people

Replace people who make your life unpleasant and reduce efficiency with optimistic, positive, and supportive people. "In life, you can only succeed if you are with the right people," Corley said.

9. Procrastination

Wanting to be a millionaire is one thing, but starting to be a millionaire is another.

If you want to get rid of stagnant account numbers, then you need to take action as soon as possible. If you need to talk to some financial advisors now, go make an appointment now, don't just talk.

10. Drinking and gambling

There are many people who want to become rich, and finally all take the gambling all the way. They are convinced that this is the only way to get rich.

Things are counterproductive, and the result of indulging in gambling is often ruin and loss of life. What really rich people care about is how to pursue excellence and realize their ideals.

On the other hand, excessive drinking can damage your memory, thinking ability and health, and also prevent you from becoming a millionaire. But occasionally a glass of wine or beer is fine, as long as you don’t over indulge in alcohol.

11. Watching too much TV

Zig Ziglar once said: "The rich have small TVs and large libraries, and the poor have small libraries and large TVs."

Don't get me wrong, Zig Ziglar also likes watching Netflix very much. But, just like Corley's discovery, rich people prefer to read, exercise, or study instead of wasting time watching TV. "Efficient use of time is common to millionaires."

"Wasting time is the right of the poor," Corley said.

12. No life mentor

Why is a life mentor so important? The reason lies in how you learn lessons from their successes and failures, and their suggestions can often save you a lot of the possibility of going wrong, which is beneficial to you without any harm.

Not really asking you to find a teacher, maybe such a person is by your side, maybe your parents, university professors.

13. Be willing to stay in the comfort zone

Taking risks out of your comfort zone is always anxious, but for Bill Gates, Richard Branson, Larry Ellison and Warren Buffet, taking risks and constantly jumping out of the comfort zone is a personal trait they share.

14. Don't dare to ask questions

Before the road to wealth, please put aside your self-esteem and face for the time being. If you are not sure how to invest, manage money, or have no idea at all, the best solution is to bravely ask others shamelessly.

15. Be crushed by failure

Entrepreneurs regard failure as a badge of honor. It does not mean that they are happy or want to fail. It is just that these experiences will become the nutrients for future success.

You don't need to feel confused or hesitate. Although failure is really terrible, you shouldn't reject it. If you fail, learn from your mistakes and move on.

16. No daily goal set

In recent years, I think one of the best habits is to fill in the goals of the day as the first thing I get up every morning, which can effectively motivate and encourage me to achieve my goals.

I find that setting daily goals helps to prioritize things, from the most important to the least. This habit can plan your time in the most efficient way.

17. Negative thinking

Corley wrote: "Only with a positive attitude can long-term success be possible."

If you are a person who often doubts yourself and lacks self-confidence, the following is a simple positive thinking example we provide. You can also cultivate your own positive thinking habit through a lot of learning, external professional training and guidance.

Negative: "Bad grades."

Positive: No, a person's success does not depend on the level of score.

Message: "The competition is too fierce."

Positive: If you don't try, you will never know the result.

18. Don't just put money in the bank

"If your job will never make you rich, and you will not be able to save money in the money box. How do you accumulate your wealth?" said Brandon Turne, Deputy Director of Planning and Real Estate Investor at BiggerPockets.com Said.

Indeed, simply saving not only has low interest rates, but sometimes increases in inflation and loses money. So how do you save money?

Brandon Turne recommends investing your savings in long-term profitable assets instead of just keeping your money in the bank.

19. Make excuses

Excuses are always the worst enemy of getting rich. When we try to understand why there are so many bills to pay every month, and why we do not have a six-figure income, some people may answer "Life is short, live in the moment." Yes, making excuses is so easy, but starting now, please stop the bad habit of making excuses for yourself.

For example, when you are worrying about high debts again, don't worry about saving money. The first task is to pay them off. Only then are you eligible to talk about subsequent savings and investments. If you cannot make enough money, please find another source of income, such as online auctions or find a part-time job.

That may not solve all problems at once, but at least it is the beginning of giving up excuses.

20. Failure to follow the 70/30 rule

Jim Rohn is a well-known American entrepreneur, writer and motivational speaker. He has a simple formula for saving money.

"After paying taxes, 70% of the income will be used to meet the necessities of life and the purchase of social and luxury goods, and the remaining 30% will have to be carefully thought about how to distribute."

Rohn's approach is to provide one third to charity units, one third to invest, and the remaining third to save. You may not feel much at first, but after five years, you will be very surprised by the amount you have saved, and the growth of this number will only become more and more stable.

[TW]

有錢人跟一般人差在哪？他們不會有這 20 個不良習慣

先前我們分享過，「有錢人」跟一般人的差別不只在有錢而已，研究：富人連心理特徵都不同，分析了大部分有錢人在個性上的共同特質，這次則要再進一步帶大家來看，有錢人與一般人除了人格特質上的差異，習慣是否有什麼不同。下文列出 20 個一般人常見的不良習慣，若想成為有錢、事業成功的人，必須改掉這些習慣，以提升自己的成功率。

1. 太晚起床，習慣熬夜

俗話說「早起的鳥兒有蟲吃」，但實際上，現在的人老是喜歡報復性熬夜，隔天再賴床睡到中午。這樣的惡性循環只會導致白天的工作做不完，拖延到更多的時間，當夜晚來臨的時候才驚覺沒有什麼休息，又拿寶貴的睡眠時間來追劇、打手遊。

2. 忽視健康的重要

Thomas Corley 在《富有的習慣》中寫道：「提到健康，就必須講到不良習慣如何影響健康。」

當你處在不健康的狀態時，你會感到疲倦、生產力低下，反而讓壓力更大，並且更容易生病。如果你每天光是和這些不良習慣導致的病徵奮鬥就得花上一堆時間，那麼又有什麼時間來提升效率？

3. 沒有讀書的時間

有錢人會投入必要的時間和精力來拓展知識，掌握自身產業內的新聞與趨勢，以開闊心胸向他人學習新事物。

正如 Lipovsky 所言，閱讀會帶來不同的觀點，當這些觀點內化成自己的知識後，觀點之間又會再彼此對話、衝撞，形成知識的內爆，這些學習經驗都將成為使你更上一層樓的關鍵。

4. 僅仰賴單一收入來源

如果你是一個對於理財目標明確的人，你可能早已習慣將自己的收入分成好幾份，分別拿來儲蓄退休養老金、投資買基金，抑或是規劃每月娛樂社交專用金。

當你會把每個月的支出項目分門別類時，也別忘了雞蛋不能放在同個籃子，收入管道最好也別只有一個。

這不是要逼每個人必須身兼二職，額外的收入來源可能來自你熱衷的事情，例如寫文章、技能教學。有些事情可能需要一些時間來累積才能看見實質收益，不過這些都是必要且值得的投資。

5. 不會記帳、設定預算

《原來有錢人都這麼做：效法有錢人的理財術，學習富人的致富之道》的作者 Thomas Stanley 和 William Danko 在《下個富翁就是你》中觀察了百萬富翁們的日常，發現為每件是訂定預算是大部分富翁的共通習慣。

鮮少人會真的去規劃預算，就算規劃了也沒有遵守。這個習慣會導致日常的支出難以掌握，最後在不知不覺中超過了自己收入而渾然不覺。為了避免總是月光，也許你可以開始學著記帳、規劃預算。

6. 沒有一筆積蓄

「在我的研究中，百分之九十五的窮人沒有儲蓄，大部分的人為了維持生活品質，累積了不少債務。因此，他們在退休、負擔子女教育費，或是有個突如其來的投資機會時，才驚覺自己沒有積蓄可以負擔。」Tom Corley 的書裡有這麼一段敘述，說明當一個人的收入永遠只能和支出打平且身上沒有任何積蓄時，可能會遇到什麼樣的問題。

7. 忽略日常零碎花費

你可能會認為每天花 55 元買杯熱拿鐵，還有那些你從來沒用過的健身房會員對你的荷包沒有任何影響，但實際上這些零碎花費最後都會積沙成塔，變成一筆相當可觀的金額。

你可以現在立刻打開自己的線上銀行 App，稍微瀏覽一下自己的花費。相信你會很意外原來這些買咖啡、喝手搖杯、吃飯或看電影的錢佔據了每個月信用卡費的大宗。數據顯示，有 35% 的人每個月僅能付出信用卡費的最低繳費額度。

這也就彰顯了為何設定預算這麼重要，它可以幫助你管理這些零碎支出，讓你省下不必要的花費，滿足必要的需求。

8. 浪費時間在不重要的人

用樂觀、積極和支持的人取代那些使你生活不愉快、降低效率的人們。「在生活中，只有與合適的人在一起，你才會成功。」 Corley 說。

9. 拖拖拉拉

想要成為百萬富翁是一回事，而開始成為百萬富翁又是另一回事。

如果你想擺脫戶頭數字停滯不前的狀態，那麼你就需要盡快採取行動。如果你現在需要與一些理財顧問聊聊，那就立刻去預約，不要只是說說。

10. 喝酒和賭博

有許多想要成為有錢人的人，最後都走上了賭博一路。他們深信，這是致富唯一的途徑。

事與願違，沉迷賭博的結果經常是身敗名裂、血本無歸。真正有錢人所在乎的是如何追求卓越以及實現自己的理想。

另一方面，過度飲酒會損害你的記憶力、思考能力和健康狀況，也會阻止你成為百萬富翁。不過偶爾喝杯葡萄酒或啤酒還是可以的，只要別過度沉迷酒精。

11. 看太多電視

Zig Ziglar 曾經說過：「富人有小型電視和大型圖書館，窮人則是小型圖書館和大型電視。」

別誤會，Zig Ziglar 也非常喜歡看 Netflix。只是，就如 Corley 的發現一樣，有錢人更喜歡閱讀、鍛煉或學習，而不是浪費時間在看電視。「高效率利用時間是百萬富翁的共通點。」

「浪費時間是窮人的權利。」 Corley 說。

12. 沒有人生導師

為什麼有一位人生導師這麼重要？原因在於你如何從他們身上的成功和失敗學到教訓，他們的建議也經常可以替你省去許多走冤枉路的可能，這對你來說都是百利而無一害。

不是說真的叫你去找一位老師，也許這樣的人就在你的身邊，或許是你的爸媽、大學教授。

13. 甘於停留在舒適圈

冒險脫離自己的舒適圈總是讓人備感焦慮，但是對於 Bill Gates、Richard Branson、 Larry Ellison 和 Warren Buffet 來說，勇於冒險、不斷跳脫舒適圈是他們一項共同擁有的個人特質。

14. 不敢提問題

在通往財富之路以前，請把自尊和面子暫時放到一邊，如果你還不確定該怎麼投資、理財或是一點想法也沒有，勇敢向他人不恥下問是最佳解方。

15. 被失敗擊垮

企業家都將失敗視為榮譽徽章，那並不代表他們樂於或想要失敗，只是這些經驗都將成為往後成功的養分。

你不需要感到困惑、猶豫，儘管失敗真的很可怕，但是你不該因此拒絕它。如果失敗了，就從錯誤中吸取教訓，繼續前進。

16. 沒有設定每日目標

近年來，我認為最好的習慣之一就是把填寫當日目標當成每天早上起床的第一件事，這能有效激勵並鼓勵我去實現自己的目標。

我發現設定每日目標有助於檢視事情優先順序，從最重要到最不重要，這樣的習慣能夠將自己的時間以最有效率的方式進行規劃。

17. 消極思考

Corley 寫道：「只有擁有積極的心態，才有可能取得長遠的成功。」

如果你是一個常常懷疑自我，缺乏自信心的人，以下是我們提供的簡單正向思考例子，你也可以透過大量學習、外界專業訓練和指導來培養自己建立正向思考的習慣。

消極：「成績不好。」

積極：不會的，一個人的成功並不取決於分數的高低。

消息：「競爭太激烈了。」

積極：如果你不嘗試，那你永遠也不知道結果。

18. 不要只把錢存在銀行

「如果你的這份工作永遠不會使你致富，也無法把錢存到存錢筒裡。那你怎麼累積你的財富呢？」BiggerPockets.com 的企劃部副部長、不動產投資人 Brandon Turne 這樣說道。

的確，單純的儲蓄不僅利率低，有時加上通貨膨脹反而虧本，這樣該如何存錢呢？

Brandon Turne 建議把積蓄投資到可以長期獲利的資產，不要只把錢存在銀行。

19. 找藉口

藉口永遠是致富最大的敵人。當我們試圖理解為何每個月有這麼多帳單要繳，以及為何我們沒有六位數的收入時，可能會有人回答「人生苦短，活在當下」。是的，找藉口何其容易，但現在開始，請停止幫自己找藉口的壞習慣。

例如，當你又在煩惱債台高築時，先別擔心存錢，首要任務是付清它們。這樣才有資格談後續的儲蓄和投資，如果你賺不到足夠的錢，請尋找另一種收入來源，例如線上拍賣或找個兼差。

那也許不會立刻解決所有問題，但至少是放棄藉口的開始。

20. 沒有遵守 70/30 法則

Jim Rohn 是美國知名的企業家、作家和勵志演說家，他有一個簡單的存錢公式。

「繳完稅後用收入的 70% 來滿足生活必需花費和社交、奢侈品的購買，剩下的 30% 則要經過縝密思考如何分配。」

Rohn 的作法是將三分之一提供給慈善單位，三分之一拿去投資，剩下的三分之一拿來儲蓄。起初可能不會有什麼感受，但五年過去後，你會對自己存下來的金額感到非常意外，而這筆數字的成長只會越來越穩定。

Is the gold hand tour really a "game"? The game has 4 elements. To turn eggs is just a financial comparison

When people talk about "games" nowadays, it is often a very imaginative idea. The "games" that come to mind in different times may be pinball yo-yos, or card games and ghost catching people. In the digital age of televisions and computers, when most people or modern people refer to "games", they may be directly associated with the category of digital games on consoles and computers. Senior digital players may think of a classic work, and this work may appear. On handheld game consoles, amusement consoles, computers or mobile phones. This time the discussion on "What is a game" is mainly based on the book "What is a game?" by Stephane Chauvier, a professor of philosophy at the University of Caen in France. The concept described in the book is a simple introduction and explanation part. In addition, I also use the concept in the book to see why some modern computer and TV game players have a relative sense of rejection of mobile games. Therefore, make a simple thought on this subject.

What is a game? Fundamentally speaking, it is a kind of behavior invented by human beings, mainly used to describe a piece of entertainment, or activities in this entertainment. So the word "game" can be a noun or a verb. But if the game is based on the main vocabulary concept, it also has a philosophical meaning, like the phrase "playing the human world" or "life is just a game" and so on. Similar vocabulary, if the game is a kind of entertainment. In other words, is it possible to equate "life" with "a game"? Although we really want life to be like a play, as a result of the facts, we all know that games and real life are two different things.

Therefore, if we want to mention "life is just a game", then we must first define one thing: "What is a game?" We follow the French philosophy professor, Stephane Chauvier (Stephane Chauvier) written "What is a game?" ? In the full text of the book, you will find that Professor Stephane Chauvier believes that "games" are four simple elements that need to be met:

1. It is a man-made product

2. Reality will not affect game development

3. It can be lost and difficult

4. The game must have rules and goals, and everyone must follow the rules.

▼▼▼Does that class of Golden Mobile Games really count as a "game"? ▼▼▼

The game must make players feel interesting, otherwise even if it has a complete planning and gameplay, it cannot be a game. This is an absolute game that is not fun to play. In fact, it does not fit the game in the player's mind. And "game" itself is not the same as "playing game". In the book, Professor Shi Tiefan Heuwell uses French grammar as a basis to narrate the difference between playing games and games, but this is quite difficult to understand for non-French and non-French readers. Therefore, the simplified case mentioned in the book is used here to describe the difference between "game" and "playing game".

Take basketball as an example. If someone is playing basketball on the court, is he playing a basketball game? First of all, we all know that basketball is basically a sport that can be established by many people. The basketball game must be established by many people. So this person is not playing the basketball game? The answer is yes and no. Just like the point of the game described above: the game must have rules and goals. If the person on the court today is playing basketball alone, but he sets a goal and rules for himself and achieves it, this can also be regarded as a basketball game, but it is different from the standard basketball game we hear.

So what are "goals" and "rules"? If the person playing basketball today is a basketball player, and he stipulates that he must score three goals today, and then he easily achieves the goal, is this a game? In terms of satisfying the game, if the basketball player's goal is to score three goals, this does not actually constitute a game. The reason is that there is no "difficulty". Difficulty is the first important role in the game. It is not difficult for basketball players who have been on the court for a long time to lay up and shoot at will. And if the basketball player is required to make three layups within the free throw line and score all ten goals, the "difficulty" between what can and cannot be achieved may make playing basketball a game.

Let's look at the matter of "playing basketball" from the four requirements of "games": First, playing basketball is a man-made thing and is created by people. I can choose to play basketball or not, and I may not be able to shoot, and it has a set of rules, or I customize a set of my own basketball game rules. Therefore, the above points can be classified into the difference between "playing basketball" and "basketball game." Today, I just pitched on the basketball court to play basketball, but if I customized the "difficulty, rules, goals" and so on, and the difficulty is between what I can achieve and what I can't, this is a "basketball game."

It can be seen that the game has rules and objectives, and it is difficult. When there are multiple players, we can play the game in accordance with the regulations, and compete with each other for the same goal, and lose or win in the competition. One thing about the game is important. Even if it loses or wins, it does not affect the player itself, and the game can be repeated continuously. The next game is the player's right to choose whether to play or not. With this concept, let’s look at two popular light novel adaptations of animation works: "Sword Art Online" and "Horizontal Records". Although both are games, they will affect others. Therefore, in terms of game definition, two anime games It can no longer be called a "game".

And in "What is a game? "The book also states about the difference between role-playing and drama actors, and the perceptions put forward by different philosophers about games, and the importance of game distraction in human life, just as the meaning of hunting does not lie in the prey itself The same reason. Here I will use the book "What is a game?" by Professor Shi Tiefan Heuwell. "" game definition to narrate: Why are mobile games despised by some computer and TV game players in the past? It is basically a mobile game, which is also what we commonly call a mobile game. Why does it cause such a huge sense of rejection by the same video game player? Make a preliminary exploration on this point of view.

The rise of mobile games is based on the state of the game market in recent years. In terms of output value, the revenue of mobile games has far exceeded that of TVs, computers, and traditional online games. In the early days, due to mobile phone performance limitations, the games played were relatively simple and rough, and the traditional mobile phone buttons were not highly operable, and only small games such as snakes could be produced. The current leap forward in the development of mobile phones is equivalent to a small computer, processing information and performance have been greatly improved, the languages ​​used to write mobile phone programs have increased, and with the generation of mobile phones, not only games, but also other life functions have also evolved in a large amount. Such as electronic wallets and video communications.

At first glance, mobile games look like the craze of computer games evolving into online games. It is a product of the times. But why do players of many different computer and TV game players feel disgusted and displeased? We start from "What is a game?" "Introduction to the narrative game" in the book, see what is the difference between the understanding of the needs of mobile games and traditional games. Mobile games are downloaded through the mobile phone's unique online store, and the operation method is through the bundling of mobile phone numbers and sales items. Simply put, players first download an installation file from the mall, and then gradually download the complete game play after entering the game.

Mobile games do have the selling points of traditional games, beautiful art graphics, a story-telling world view, and small game files. The key point is that it is convenient and portable. These are the benefits of mobile games. But now as the commercial market matures, do the mobile games produced by various game manufacturers still have the so-called "game philosophy", or whether there is no so-called game philosophy for mobile games nowadays, instead it is a "sales philosophy" ? Earlier we mentioned the difference between "playing basketball" and "basketball game" itself, but now we will analyze the gap between "mobile games" and "general games" in more depth.

The "game" that the French philosophy professor Shi Tiefan Xiuville thought meets the conditions: 1. It is a man-made product. 2. Reality will not affect the game. 3. It can be lost and difficult. Fourth, the game must have rules and goals, and everyone must abide by the rules. In fact, mobile games are different from these four conditions. There is a serious gap between mobile games and general games. The rules and objectives of mobile games and the rules that everyone needs to follow. On the contrary, it causes the most unrecognized by players in today's mobile games, and it is quite fatal and cannot surpass the decisive gap of general games.

Remember the example of playing basketball, a game must have "difficulty, rules and goals." to be constituted. Usually we have a final goal in the game, such as defeating the devil; getting married to the prince and other big goals. We usually enjoy the protagonist reaching the ending, completing the task, and finally looking for side quests and hidden fun in some subtle parts. The mobile game is the opposite. It cancels this big goal and replaces it with a small goal. This is quite similar to the nature of the game in the Internet age. You will take on the task of guards helping me defeat Ten Yueyue or the villagers asking you to send things from Jiajia City to Lara City. The subtle tasks are all mobile games.

There are many new but subtle task categories in mobile games: a goal that is difficult for the player to achieve, but it must be made possible for the player to achieve. What is this goal? A goal to collect and obtain rare items. Because small goals cannot attract players to play for a long time, the game company has set an ambiguous target body, a target that requires "probability". To say that the white point is the card drawing and gassing system. A huge goal that everyone has a chance, but is not so easy, does meet the two categories of "difficulty and goal", but what about the "regulation" item? This is the biggest fatal injury of mobile games.

In order to get the prizes they want in the game, players must constantly rely on chance and fate, and exchange the items obtained in the game for goods that rely on luck. At this time, one of the most disruptive behaviors of mobile games appeared, using real "money" in exchange for more opportunities to obtain in-game merchandise. An interesting and in-depth game lies in the rules formulated in the game. Everyone in the game competes on an equal footing, and only if they win and lose, can they constitute "the elements of playing the game". It is also the so-called loser and will not affect reality. game. If you rely on the actual amount of money in exchange for more opportunities than others in the game, it means that the game does not have the nature of fair competition.

Therefore, the "rules" for mobile games to obtain goals have become an unequal game in disguise. It uses reality to influence the situation in the game, and the game company also encourages players to use reality (amount and evaluation) to influence the direction of the entire game content, so that the players in the game are no longer reciprocal, and the game is capitalized in disguise. , The more I spend, the more I get, and not only is there no one to stop it, but the official also supports this, in order to allow the game to continue to operate, and to get good-looking revenue, which makes mobile games more than just games , But a realistic financial competition.

This goes against the rules of the game between traditional computer players and TV game players. At an extreme level, the balance can be disrupted. Realistic conditions can be used to evoke the style of the game. This is undesirable for many players who want the game to have a level playing field, but because You only need to spend money to complete it, or you will definitely get it, or there are more opportunities to get the drawn goods. Many people would rather spend a small amount of money easily than spend time on the game. At first we mentioned that games are entertainment, and when a "game" people don’t even want to spend time playing, they just want to quickly get the product and status of the game. This is different from the concept of "playing games". It's a "consumption game".

In fact, in the predecessor of mobile games, that is, online games, there is a mechanism for "consumer games". They usually don't have a story, an ending, or a huge goal. Instead, they keep launching new products and allowing players to continue to consume in the game. This also makes the game Taiwan's favorite "game is a good business." The fact that mobile games have become "consumer games" rather than "games for playing games" is actually related to a large number of players' behavior patterns. Like the basketball game described above, basketball has established popular play methods and regulations, but we also You can customize new game rules to satisfy yourself.

Therefore, mobile games are becoming more and more toward "consumer games" and "capitalism", but this is the new gameplay of mobile games in this era, which is different from the era of computer and TV games. Players in the past cannot accept the new era of mobile games. The emergence of new rules, one player is not at the same fulcrum, so opponents are repellent, but on the other hand, this is the rule of today’s mobile games, and players can of course not accept this rule and step out of their own mobile game play. . Or look for a category of mobile games that is different from "consumer games", because don't forget that how the game is played is always the player's business, not the game itself.

After the article, the reality will not affect the development of the game. Note:

The world of the game is different from the real world, and will not be affected by the real world but has its own unique worldview. For example: the real world Jidao is a villain, but in the world of the dragon in the game, the protagonist Jidao Road does not give people the role of a villain. Just as we recognize the appearance of the profession of mages in reality, but it will not affect the image of the profession of mages in the game. Therefore, in the game is another time and space that is out of touch with the real world, and it should be the main narrative that reality will not affect the development of the game if it is separated from the real reality and invested in a completely new game world view.

On the contrary, the game has nothing to do with reality. For example, if we look for Dragon Ball in the game to exchange for the Dragon, we will know that this is a product of the game world. Will not really set out to find Dragon Ball in reality. In addition to the aforementioned fees for mobile games and online games, another point is that the games will be updated or revised according to the needs of players.

In other words, the traditional computer games and TV games in the past, we bought a game for thousands of yuan, even if there are flaws in it, we can't modify it. But now because of the Internet, mobile games and online games can be modified and blemished for players. Even current computer games and tvgames can be updated or downloaded through online feedback. In other words, this is a point where reality affects the game, but this point is aimed at game developers.

Players can influence the game. In the current situation, it should be the money to strengthen themselves with better equipment, rarer characters, stronger backing, and indirectly affect the balance between themselves and other players in their own way without going through the developer. This is my current understanding and thoughts that the reality in the book does not affect the game once again. In fact, the simplest way to say that the professor actually has this view is because he thinks that the game is a world where everyone can start from the same point and is fair and just, but maybe the professor is not aware of the rapid changes in the current game, so Only then will we continue to maintain the concept that reality does not affect the game. The above are some of my thoughts.

[TW]

課金手遊究竟算唔算「遊戲」？遊戲有4大要素　轉蛋只是財力比併

當現在人們說起「遊戲」，往往是一個很意象的想法，以時代不同想到的「遊戲」可能是彈珠溜溜球，也可能是牌局和鬼抓人。而在電視電腦數位時代，一般人或現代人提到「遊戲」，可能直接聯想到的是遊戲機與電腦上的數位遊戲類別，資深數位玩家可能想到某一款經典之作，這款作品可能出現於掌上遊戲機、遊樂主機、電腦或手機上頭。這次探討「什麼是遊戲」，主要是以法國卡昂大學哲學教授史鐵凡休維爾(Stephane Chauvier)著作《什麼是遊戲？》一書中所敘概念，是做一個簡單的導讀與解釋部分。另外也用書中的概念是看關於為什麼現代某些電腦、電視遊樂戲時代的玩家對於手機遊戲有相對的排斥感？故，以這主題做簡單的發想。

什麼是遊戲？從根本來說它是人類發明的一種行為，主要用於敘述一件娛樂，或在這娛樂的活動過。故「遊戲」一詞可以是名詞也能是動詞。但遊戲如以主要的詞彙概念，也有一種哲學之意，如同大家所常聽到的一句「遊戲人間」或「人生不過是場遊戲」等等，類似的詞彙，如果以遊戲是一種娛樂這件事情來說，是否可以把「人生」等同於「一場遊戲」？雖然我們很想人生如戲，但事實的結果，我們都可知道遊戲跟真實人生可說是兩回事。

故，如果要提到「人生不過是一場遊戲」，那麼首先我們要先定義一件事情：「什麼是遊戲？」我們依照法國哲學教授，史鐵凡休維爾(Stephane Chauvier)所寫的《什麼是遊戲？》一書全文中，會發現，史鐵凡休維爾(Stephane Chauvier)教授認為「遊戲」是需要滿足四項簡單的要素：

1. 它是人為的產物

2. 現實不會影響遊戲發展

3. 它是能夠輸掉且有難度的

4. 遊戲必須要有規則和目標，且每個人都遵守規則。

▼▼▼那課金手遊究竟算不算「遊戲」？▼▼▼

遊戲必須讓玩家感到有趣，不然即使它有完整的規劃與玩法，都不能成立為遊戲。這是一種絕對，玩起來不有趣的遊戲，其實根本上在玩家心裡並不符合遊戲。而「遊戲」本身跟「玩遊戲」是不一樣的。在書中，史鐵凡•休維爾教授以法語的文法作為基礎，去敘事玩遊戲跟遊戲的不同，但這對非法語系和未有法語常識的讀者來說，相當難理解。所以這裡採用書中提的案例簡化來敘述關於「遊戲」與「玩遊戲」間兩者的不同。

以籃球為例，在球場上有個人在打籃球，那麼是否是在玩籃球遊戲？首先我們都知道籃球基本是多人一起能夠成立的運動，籃球遊戲必須多人才能夠成立，故這個人不是在玩籃球遊戲？答案是肯定，也是否定。如同上面所敘遊戲的一點：遊戲必須要有規則和目標。如果今天在球場那個人他一人在打籃球，卻有為自己訂定一個目標和規則，並且去達成它，這也可以算是一個籃球遊戲，只是和我們聽到的制式的籃球遊戲不同。

那何謂「目標」和「規則」？如果今天打籃球的那個人是個籃球選手，他規定自己今天要投進三球，然後他很輕易就達成了目標，這樣算是遊戲嗎？就滿足遊戲的項目來說，籃球員如果目標是投進三球，這其實並不構成一個遊戲。原因在於沒有「難度」，難度是遊戲裡頭一個重要的角色，隨意上籃投球，對長期在球場的籃球員並未有難度。而如果籃球員是規定自己在罰球線內三步上籃，且十球全進，那這可以和不可以達成之間的「難度」就有可能讓打籃球成為遊戲。

我們從「遊戲」的四項需求來看剛剛「打籃球」這件事情：首先打籃球是人為的事物，並且是人創作出來的。我可以選擇打籃球也可以不打，並且我投籃不一定可以投進，並且它有一套規則，或我自己訂製一套自我的籃球比賽規則。故，以上幾點可以歸類出「打籃球」跟「籃球遊戲」的差別。我今天單純的在籃球場上投球是打籃球，但如果我訂製了「難度、規定、目標」等，且難度是介於我可以達成跟不能達成之間，這就是一場「籃球遊戲」。

由此可知，遊戲是要有所規定和目標的，並且有難度。而在多人進行的時候我們可以依照規定進行遊戲，並且彼此競爭同樣的目標，並且在競賽中落敗或勝利。而遊戲有一點是重要的，就算失敗或勝利都不影響玩家本身，並且可以不斷重複遊戲，下一場不管玩與不玩都在玩家的選擇權。以這概念我們來看兩部當紅的輕小說改編動畫作品：《刀劍神域》與《紀錄地平線》，兩者雖都是遊戲，但皆會影響他人，故在遊戲定義上，兩部動漫的遊戲已經不能夠稱之為「遊戲」。

而在《什麼是遊戲？》書中也有陳述關於角色扮演與戲劇演員的差別，和關於遊戲的不同的哲學家所提出的觀感，與遊戲分心在人類生活上扮演的重要性，就如同打獵的意義不在於獵物本體是一樣的道理。在這要用史鐵凡•休維爾教授的書籍《什麼是遊戲？》的遊戲定義來敘事：為什麼手機遊戲被過往一些電腦電視遊戲的玩家所鄙視？其根本上手機遊戲，也是我們俗稱的手遊為什麼會引發同樣是電子遊戲玩家那麼龐大的排斥感？就這觀點做一個初探。

手機遊戲的興起，是近幾年遊戲市場狀況，就產值而言，手機遊戲的營收已經遠超過電視、電腦、傳統線上遊戲。在早期因為手機效能限制，玩的遊戲比較簡單且粗糙，且傳統手機按鍵操作性不高，只能產出貪食蛇這類的小遊戲。目前手機的發展躍進，等同於一台小型電腦，處理資訊與效能大幅提高，用來編寫手機程式的語言增多，並且隨著手機代代革新，不只是遊戲，連其他生活功能也大量的進化，如電子錢包與視頻通訊。

乍看下來，手機遊戲就像是當初電腦遊戲進化成網路遊戲的熱潮一般，是個時代性的產物，但為何會引來許多不同的電腦與電視遊樂器的玩家反感與不悅？我們從《什麼是遊戲？》一書中的敘述遊戲之概論來觀看，這其中關於手機遊戲與傳統遊戲需要的認知到底有何差異。手機遊戲透過手機特有的網上商店下載，並且透過綑綁手機門號和銷售道具為營運方式，簡單來說，玩家是先從商城下載一個安裝檔，進入遊戲內部後才逐步下載完整的遊戲遊玩。

手機遊戲的確有傳統遊戲的賣點，漂亮的美術圖與具有故事性的世界觀，遊戲檔小，重點它還具有便利性和方便攜帶的普及性，這些都是手遊的益處。但是現在隨著商業市場的成熟，各家遊戲廠商所製作的手機遊戲是否還有所謂的「遊戲哲學」，又或則現今的手機遊戲已經沒有所謂的遊戲哲學，取而代之則是一門「銷售哲學」？前面我們提到關於「打籃球」與「籃球遊戲」本身的差別，而現在則將更深入的分析「手機遊戲」與「一般遊戲」的落差。

前面法國哲學教授史鐵凡休維爾所認為的「遊戲」滿足條件：一、它是人為的產物。二、現實不會影響遊戲。三、它是能夠輸掉且有難度的。四、遊戲必須要有規則和目標，且每個人都遵守規則。實際上手機遊戲與這四項條件有所出入。手機遊戲與一般遊戲有著嚴重落差，手機遊戲中的遊玩規則和目標，與每個人需遵守的規定。反而是造成現今手機遊戲最無法被玩家認同，且相當致命無法超越一般遊戲決定性的差距。

還記得打籃球的例子嗎，一場遊戲必須要有「難度、規定與目標。」才能構成。通常遊戲中我們都有一個最終的目標，例如打敗魔王；王子結婚等這類的大目標，我們通常享受主角到達結局，完成任務，最後在一些細微的部分尋找支線任務與隱藏的樂趣。而手機遊戲則相反，它取消了這大目標，轉而以小目標來取代。這跟網路時代的遊戲性質相當類似，你會承接衛兵幫我打倒十隻月月或村民要你從甲甲城送東西到拉拉城的任務，細微的任務為手機遊戲的全部。

手機遊戲出現許多全新但微妙的任務類別：一個玩家難達到的目標，但又要讓玩家覺得有可能達成。這是個什麼目標？一個收集與得到稀有品的目標。因為細小的目標無法吸引玩家長時間的遊玩，故，遊戲公司設置了曖昧的目標體，一個需要「機率」的目標，說白點就是抽卡與轉蛋制度。一個人人有機會，但又不是那麼容易的龐大目標，的確滿足「難度與目標」兩個類別，但是「規定」這項目呢？這就是手遊最大的致命傷。

為了得到自己遊戲中想要的獎品，玩家必須不斷的依靠機會命運，用遊戲中所得的物品去換取靠運氣的商品。這時一個破壞手遊最大的行為出現，利用現實的「金錢」而換去更多得到遊戲內商品的機會。一個有趣又有深度的遊戲，就在於遊戲中所制定的規定，遊戲中每個人都是平等競爭，並且有輸有贏，才能構成「玩遊戲的要素」也是所謂的可以輸，不會影響現實的遊戲。如靠著現實中的金額在遊戲內換取比其他人更多的機會，那就表示這遊戲不具備公平競爭性質。

故手遊獲得目標的「規定」變相成為一場不對等的遊戲。它利用現實影響遊戲內的狀況，並且遊戲公司還大量提倡玩家去利用現實（金額和評價）去影響整個遊戲內容的方向，使遊戲內的玩家再也不是對等關係，變相讓遊戲資本主義化，我可以花越多錢得到越多，並且不但沒有人制止，且官方還支持這樣做，為的是讓遊戲可以不斷的營運，且得到好看的營收額，這讓手機遊戲已經不只是遊戲，而是一場現實的財力較勁。

這點違背了傳統電腦玩家與電視遊樂器玩家的遊戲規則，在一個極端破壞平衡，可以用現實狀況引響遊戲的風格，是許多希望遊戲有著平等競爭模式的玩家所不樂見的，但因為只需要花錢就能完成，或一定得到，還是有更多機會得到抽取的商品，許多人寧願花點小錢輕鬆，也不想花時間在遊戲上。最初我們曾經提過，遊戲是娛樂，而當一款「遊戲」讓人連玩都不想花時間去玩，只想快速得到遊戲的商品與地位，這已經與「玩遊戲」的概念相異，而是「消費遊戲」了。

其實在手機遊戲的前身，也就是網路遊戲，就有關於「消費遊戲」的機制。他們通常沒有故事與結局，也沒有龐大的目標，而是不斷推出新產品而讓玩家繼續在遊戲裡消費，這也讓遊戲成為台灣最愛的「遊戲是門好生意」。而促成手機遊戲成為「消費遊戲」而非「玩遊戲的遊戲」，這其實跟玩家大量的行為模式有關，如同上面所敘的打籃球遊戲，籃球有制定通俗的打法與規定，但我們也可以訂製全新的遊戲規則，來滿足自己。

故，手機遊戲固然越來越朝向「消費遊戲」與「資本主義」，但這就是這時代手遊有別於電腦與電視遊樂器的時代的新玩法，過去的玩家無法接受新時代手機遊戲仍然出現的新規則，一個玩家不在同一個支點的規則，故然對手遊產生排斥性，但反過來說，這就是現今手機遊戲的規則，而玩家當然可以不接受這個規則，走出自己的手機遊戲玩法。或則尋找不同於「消費遊戲」的手遊類別，因為別忘了，遊戲怎麼玩從來都是玩家的事，而非遊戲本身。

文後關於現實不會影響遊戲發展附註：

遊戲的世界與現實世界不同，並不會受到現實世界影響而有自己獨特的世界觀。例如：現實世界極道是惡徒，但在遊戲人中之龍的世界中，主角極道之路反而不給人是惡徒的角色。就像我們認知現實中法師這個職業的模樣，但它並不會影響玩家在遊戲中法師這職業的形象。故在遊戲內是一個和現實世界脫節的另一個時空，而脫離真正的現實而投入一個完全全新的遊戲世界觀，應該是現實不會影響遊戲發展的主敘述。

相反遊戲也與現實無關，像是我們在遊戲裡面尋找七龍珠招換神龍，會知道這是遊戲世界下的產物。不會真的在現實中出發尋找龍珠。而手遊和網路遊戲除了前述的課金之外，其實另一點就是遊戲會隨著玩家的需求做出更新或修正。

也就是說過去傳統的電腦遊戲和電視遊戲，花千元我們買到一款遊戲，就算裡面有瑕疵也無法修改。但現在因為網路關係，手機遊戲和網路遊戲可以針對玩家即使去作修改與瑕疵處理，就連現在的電腦遊戲和tvgame也都可以透過網路回饋作出更新或章節付費下載。也就是說這是現實影響遊戲的一點，不過這點是針對遊戲開發者。

而玩家能影響遊戲，在目前的狀況應該也是課金去強化自己有更好的裝備，更稀有的角色，更強的後盾，用自我的方式不透過開發者去間接影響自己與其他玩家的平衡。這是目前我對書裡的現實不影響遊戲再看過一次的理解和想法。其實最簡單的說，教授其實有這看法是因為，他認為遊戲是一個跳脫現實，讓每個人起跑點都一樣，公平公正的競技世界，但也許教授不太清楚目前遊戲日新月異的變化，所以才會繼續保持著現實不影響遊戲的理念，以上是我的一些想法。

Searchlights: The more money you hit, the more you step on. There has been a surge in cases of alternative gambling addiction

[US] More and more game centers are opened, and the number of cases of addiction to gambling due to indulging in prize games is on the rise. [TW] 遊戲中心愈開愈多，沉迷有獎遊戲而染上賭癮的個案卻上升。

The more the game center opens up, the more mobile game class money (payment) is also no king tube, indulge in award-winning games and become addicted to gambling cases are on the rise. Middle-aged men spend millions of dollars a day rainbow, clip dolls, can not extricate themselves from debt, and ultimately debt million bankruptcy. Underage girls mobile game gold addiction, non-stop to ask the father to buy points card pumping game equipment, accumulative spending of more than 10,000. Gambling authorities are concerned about the rise in the number of cases of alternative gambling addiction, with 70% of cases received in the first quarter of this year compared with the whole of last year, and Members of the Legislative Council have criticized the Government for sitting idly by.

"At most I tried to play with 10,000 mosquitoes in 1 day, and accumulated debts of more than one million. Two years ago, he broke the birth." The 50-year-old Ade (pseudonym) began to indulge in the rainbow, the silver machine and the folder 11 years ago. After playing games such as dolls, they couldn't extricate themselves. They gambled on their salaries and even borrowed money from financial companies through intermediaries, which led to high debts. Ade recalled that he was excited and devoted when playing games, and he could relieve his boredom. The rich prizes he won were piled up in the house, and he was even sold on stalls. Only the excessive investment caused him to be estranged from his family. Later, he got the help of a social worker to realize that he was addicted to gambling.

In recent years, there have been more and more dolly machine shops, but there are few reminders in the shops that people will become addicted to gambling when playing games. Another emerging "casino" is mobile games. "Playing with friends, constantly asking my dad to buy credit cards and draw equipment, because every time I draw, I don’t know that there are prizes." Wenwen, a minor, spends hours playing mobile games every day. She doesn’t. Thinks that he is addicted to playing games, but only through "class money" to upgrade equipment and level. Her father is a gambling person, and she asks her father for money from time to time in exchange for ideal equipment for mobile games, accumulating a total cost of about 20,000 Hong Kong dollars.

However, the money and time that Wenwen put in more and more affects her life and finances. Hu Shimin, acting director of the Peace Square of the Tung Wah Group of Hospitals, pointed out that the case is suspected of being addicted to gambling. Hu pointed out that the gambling addiction cases received by the center have been increasing in recent years. In 2017, there were only 4 cases, last year there were 13 cases, and there were 10 cases in the first quarter of this year. Half of the people owed more than 100,000 Hong Kong dollars in debt. The cases involving addiction to gaming centers are only sporadic, which is believed to be due to insufficient knowledge of addiction.

Legislative Council member Ko Chongsheng criticized the government for sitting idly by, saying that although games such as dolls and silver push machines can relieve players, they have become a hotbed of crime due to negligent supervision by the government. In order to prevent the gathered children or players from getting vices, the government should Strengthen the supervision of entertainment venues that provide games.

Spokespersons from the Home Affairs Bureau and the Home Affairs Department stated that the government regulates activities that have a gambling component through a license under the Gambling Ordinance, and whether the rainbow, the silver push machine, the dolly and the mobile games involve gambling, it is necessary to apply for it. The "rewarded entertainment game license" or other licenses under the "Gambling Ordinance" depend on whether the actual operation of individual games meets the interpretation of the Ordinance.

[TW]

探射燈：打機課金愈踩愈深　另類賭癮個案激增

遊戲中心愈開愈多，手機遊戲「課金」（付款）亦無王管，沉迷有獎遊戲而染上賭癮的個案卻上升。中年男子日花萬元掟彩虹、夾公仔，不能自拔致債台高築，最終負債百萬破產。未成年少女手機遊戲課金成癮，不停向父索錢買點數卡抽遊戲裝備，累積花費逾萬。戒賭機構關注「另類賭癮」個案上升，今年首季接獲個案是去年全年的70%，立法會議員批評政府坐視不理。

「最多試過1日使過萬蚊去玩，累積欠債過百萬，2年前仲破埋產。」50歲的阿德（化名）11年前開始沉迷掟彩虹、推銀機及夾公仔等遊戲，後來不能自拔，賭上薪金，更透過中介向財務公司借貸，導致債台高築。阿德憶述玩遊戲時感到興奮及投入，而且可解悶，贏得的豐富獎品堆滿屋，甚至擺檔變賣。惟過分的投入導致他與家人關係疏離，後來得社工協助始知自己染上賭癮。

近年夾公仔機店舖愈開愈多，惟店內甚少提醒人玩遊戲會染賭癮；另一新興「賭場」是手機遊戲。「同朋友打機，不停問爸爸攞錢買點數卡，要抽裝備，因為次次抽都唔知有咩獎品。」未成年的雯雯（化名）日花數小時玩手遊，她不認為自己屬打機成癮，只是透過「課金」提升裝備及等級。其父屬賭博人士，她不時向父親索錢課金換取手遊理想裝備，累積花費約2萬港元。

惟雯雯投放的金錢及時間愈來愈多，更影響生活及財政，東華三院平和坊署理主任胡詩敏指，個案疑已染上賭癮。胡指出，該中心接獲涉及打機的賭博成癮個案近年有上升趨勢，2017年只有4個，去年有13個，今年首季已有10個，有1半人欠債10萬港元以上。而涉及沉迷遊戲中心的個案則只有零星，相信因對成癮認識不足。

立法會議員柯創盛批評政府坐視不理，指夾公仔及推銀機等遊戲雖然能為玩家減壓，但卻因政府疏忽監管變為罪惡溫床，為免聚集的小童或玩家染上惡習，政府應加強監管提供遊戲的娛樂場所。

民政事務局及民政事務總署發言人表示，政府透過《賭博條例》下的牌照規管有博彩成分的活動，而掟彩虹、推銀機、夾公仔以及手機遊戲，是否涉及博彩而需要申領「有獎娛樂遊戲牌照」或《賭博條例》下的其他牌照，須視乎個別遊戲的實際運作情況是否符合條例釋義而定。

Scratch lost 430,000! Bitter owner sad exposure "indulgence reason" network advised: quickly close the hand will go bankrupt

[US] Netizens shared the painful experience of indulging in scratching music in the past year. [TW] 網友分享過去1年沉迷刮刮樂的慘痛經驗。

Every New Year's Day Taiwan Color Will launch a high-head scratch music, attracting many people to buy a few to try their hand, for this one netizen to share the past year's obsession with scratching heartache, and asked everyone "what can effectively prevent themselves from committing stupid", the post set off a lot of buzz.

The original PO posted a post on the Facebook group "Booming Complaint Commune", "In 2020, Scratch Music lost a total of 430,000 yuan, and in 2021, it lost 76,000 yuan. The lottery dealer's boss is so sorry that I don't have any fortune." The original PO also lists the benefits of playing Scratch and Scratch. You don’t need to bring money to scratch. You don’t need to pay for it. You don’t need to pay for all the snacks and drinks in the store. You can ask to open a new one. The boss will help you pay attention to whether any books have been lost. It's miserable, but the disadvantage is that you don't have to bring money, you are often addicted, new ones tend to pay worse, and the boss (clerk) misjudges and loses more.

As for the reason for the addiction, I saw someone else spend 200 yuan to scrape 2 million, or the boss said that the 2000 book was scraped to 100,000, so he decided to take a gamble to scrape it, and the result was a miserable loss. The original PO sighed, "It's not suitable for people to conquer the sky and scrape, and they often do nothing after scraping the day."

As soon as the post came out, netizens responded in a message, "Hope is endless when scraping, and it will really become poor after scraping", "Scraping fun should be scraped occasionally. If you are lucky, you will win, and the amount will be stable and lose." Everyone has good luck", "In fact, you don't have to deliberately buy, luck will always appear", "If you don't have any fortune, don't scrape it, so as not to spend all your fortune", "Don't get addicted, it's all earned by the merchants and the country." ".

[TW]

刮刮樂慘輸43萬！苦主悲曝「沉迷原因 」網勸：快收手會破產

每到過年期間台彩總會推出高頭獎的刮刮樂，吸引不少民眾買幾張來試試手氣，對此一名網友分享過去1年沉迷刮刮樂的心酸，並詢問大家「有什麼方法可以有效阻止自己犯傻」，貼文掀起眾人熱議。

原PO在臉書社團「爆怨公社」發文，「2020年刮刮樂一共輸了43萬，2021年則輸了7萬6000元，彩券行老闆都酸我沒偏財運」。原PO也列出常去玩刮刮樂的好處，. 不用帶錢先刮再說，輸光轉帳、店裡的零食飲料不用錢、可以要求開新的、老闆會幫你注意有沒有哪本已經輸很慘，但壞處是因為不用帶錢，常常刮上癮、新的往往賠更慘、老闆（店員）誤判，輸更大。

至於沉迷原因是曾親眼目睹別人花200元刮到200萬，或是老闆說剛剛2000那本刮到10萬，於是決定賭一把刮下去，結果都慘賠收場。原PO感嘆，「人定勝天在刮刮樂不適用，往往刮完一天做白工」。

貼文一出，網友留言回應，「刮的時候希望無窮，刮完之後真的變窮」、「刮刮樂要偶爾刮，運氣好就會贏，用量拚穩輸死」、「勸世文，不是每人都有好手氣」、「其實不用刻意去買，運氣就會一直出現」、「沒偏財運就別刮了，免得花光財產」、「別上癮了，都被商家和國家賺走了」。

Daughter borrowed money to gamble and lose 600 million! The heroic dad said "I have 26 rooms" sold out and sold for 900 million

A 31-year-old woman from Zhejiang, mainland China borrowed 140 million yuan (RMB, the same below, about NT$600 million) to gamble in Macau, and was eventually charged with fraud. Regarding the jailed daughter and the billions in gambling debts, the father of the woman said, "I have 26 rooms for 8 million each, so I have almost 200 million (about NT$900 million) to get it back."

According to the "Beijing Youth Daily" report, Zhejiang Province recently tried a fraud case involving a total of 140 million yuan. The defendant Lu Xiaoqin borrowed 140 million yuan to go to Macau for gambling. Because all the loans were lost, the repayment agreement failed to reach an agreement, and the other party was sued for fraud.

On the day of the trial, Lu Xiaoqin has always said that he did not owe debts. The case was at most an economic dispute, not an intentional fraud. Before being arrested, he had repaid the victim Xu Xuguang more than 70 million yuan. After being arrested, his parents helped to repay the debt 27.9 million. Yuan.

Lu Xiaoqin’s father was not discouraged about the misfortune caused by his daughter. "My daughter is not too stressful for me. I have 26 rooms that can sell for 8 million each, and I have almost 200 million to get it back."

It is reported that 31-year-old Lu Xiaoqin lives in Dongyang City, Zhejiang Province. She was obsessed with gambling long before she got married. Once at the gambling table, someone flaunted that they could earn millions in a few minutes of gambling in Macau, which made Lu Xiaoqin quite excited.

After the Spring Festival in 2010, Lu Xiaoqin went to Macau with her gamblers. She won millions in one hour of playing for the first time and showed off after returning home. Later, Lu Xiaoqin's mother gave her 700,800,000 yuan for her to start a small business, but after Lu Xiaoqin got the money, she went to Macau to gamble again, and this time returned with a big victory.

However, the miracle will not last forever. After that, she went to Macau to gamble twice and lost 8 million yuan in savings. After losing the red eye, she was eager to find funds to make money back. In the first half of 2012, through a friend's introduction, Lu Xiaoqin met Dong Niang Xu Xuguang of Dongyang Haitian Group. She was very lucky to be able to recognize the local "God of Wealth". She offered to borrow 1.6 million yuan for business and repayment at the first meeting. The other party readily agreed to the bank loan, and then the two gradually became acquainted with each other, and borrowing became more frequent.

From March 2012 to May 2013, Lu Xiaoqin borrowed 140 million yuan from Xu Xuguang in 44 times. With this "strong backing", she began to frequent various casinos in Macau, visiting every half month on average. The children are left to their parents and husband to leave them alone, and they even spend more time in Macau than in Dongyang during the year.

But like other gamblers, Lu Xiaoqin said that he "gambled ten and nine loses", but he was like a demon. As long as he had more money, he would go to Macau to gamble. The more you gamble, the more you lose, the more you lose, the more you gamble. ." After betting, she lost everything in the end.

[TW]

女兒借錢賭博輸6億！　豪氣爸撂話「我有26間房」賣完有9個億

大陸浙江一名31歲的女子借下1.4億元（人民幣，下同，約新台幣6億元）去澳門豪賭，最終被對方以詐騙罪起訴。對於身陷囹圄的女兒和欠下的億萬賭債，女子父親竟表示，「我有26間房每間賣可以800萬，我就差不多有2個億（約新台幣9億元）拿回來。」

據《北京青年報》報導，浙江省近日審理一起詐騙案，涉案金額高達1.4億元。被告人盧曉琴借1.4億元去澳門豪賭，因借款全部輸光，還款協議未達成一致意見，被對方以詐騙罪起訴。

庭審當天，盧曉琴一直表示並未欠債不還，該案最多屬於經濟糾紛，而非有意詐騙，且在被抓之前，已經償還被害人徐旭光7000多萬元，被抓後父母幫助償還債務2790萬元。

對於女兒闖出的禍事，盧曉琴父親並未灰心喪氣，「我女兒對我來說也不是多少壓力，我有26間房每間賣可以800萬，我就差不多有2個億拿回來。」

據悉，31歲的盧曉琴家住浙江東陽市，早在結婚前她就迷上賭博，逢年過節常與閨蜜玩上幾把。一次在賭桌上，有人炫耀在澳門賭博幾分鐘就能掙百萬，讓盧曉琴頗為心動。

2010年春節後，盧曉琴和賭友們一起到澳門，她第一次玩1小時就贏得百萬，回家後還炫耀了一番。之後，盧曉琴的母親給了她70、80萬元讓她做小生意，但盧曉琴拿到錢後又去澳門賭博，這次再度大勝而歸。

然而奇蹟不會一直延續，她之後連續2次去澳門賭博，輸掉800萬元積蓄，輸紅眼的她急於尋找資金翻本。2012年上半年，經朋友介紹，盧曉琴認識東陽市海天集團的董娘徐旭光，能認識到當地的「財神」令她感到非常幸運，第一見面就提出借160萬元用於做生意、還銀行貸款，對方爽快答應了，隨後兩人漸漸熟識，借款也變得越來越頻繁。

從2012年3月至2013年5月，盧曉琴分44次共向徐旭光借款1.4億元，有了這個「堅強後盾」，她開始頻繁進出澳門的各個賭場，平均半個月就去一趟，孩子扔給父母、老公晾在一邊，一年中甚至在澳門的時間比在東陽市還長。

但與其他賭徒一樣，盧曉琴說自己「十賭九輸」，卻就像著了魔一樣，只要手頭寬裕些必去澳門賭一把，越賭越輸、越輸越賭，「已經無法自拔。」賭來賭去，她最終血本無歸。