水自流 » 洋为中用|Translation

DPS13 Use Red Eye Reduction Flash – May 04, 2010

玖伍贰柒 — Thu, 18 Nov 2010 14:52:02 +0000

跑步回来，刚刚几分钟MP3的电池就没电了，幸亏胃不用电池供应。门口不远处有几个青年人在演练舞狮和敲鼓，其中几个带着黑边眼镜。勿洛蓄水池旁歌声喧天，估计是某个乐队在那里练兵，又或者是某个活动，没有过河去看个究竟，不知什么时候那种好奇心不见踪影，爱丽丝重游仙境时也许就是这种心情吧。出汗的感觉不错，除了觉得腿部似乎有点运动过量的酸痛感。对自己说，坚持。

H的摩托车被前面的车倒退撞到，因为前面的加长版Mini Cooper冲出路口的停止线，怕右边的车刮到，没想到这边的车都是紧挨着的。回来后检查没有什么大碍，只是前面轮胎的挡泥盖裂了两道口子。在这种很难找到证人的情况下，那加长版的司机一口咬定说是后面的车撞上去的，那么只有倒霉的份。

原文：数码摄像秘笈第十三笈 — 暗送秋波 (Use Red Eye Reduction Flash)
作者：David Peterson
翻译：玖伍贰柒
跨度：15分钟

大多数新出厂的照相机一般有两种闪光模式：标准闪光和消除红眼闪光。

消除红眼闪光模式利用相机进行多次闪光使得被摄者的眼睛适应闪光后才进行拍摄。

在低亮度环境下拍摄正面的照片时一定要使用这个消除红眼闪光模式。

很多人并不知道他们需要使用这个消除红眼模式，过后看他们照片时会发现人的眼珠都是红的。请记住在下列情况下一定要用到消除红眼闪光模式：

# 人们直接面对相机时
# 低亮度时
# 使用闪光时

如果相机中没有这个模式，在电脑软件中也是可以消除这种红眼现象。网络上有几款免费的照片处理软件有这个功能。在我的图片编辑绝招课的第三天课程中就有提到如何利用软件处理红眼现象。

其中一个选择就是Picasa。这是Google推出的免费图片处理软件，它完全能够胜任这个工作。需要下载，请点击这个链接。

原文：

Digital Photography Secret 13 – Use Red Eye Reduction Flash
by David Peterson

Most newer cameras have two flash modes. Standard and Red Eye Reduction.

The Red Eye Reduction flash causes the camera to flash multiple times before taking the shot to get the subject’s eyes used to the bright light.

Use this whenever taking photographs of people looking directly at the camera in low light.

Many people don’t realise they needed to use the red-eye flash until after they look at their photos after the event. So remember to use red eye reduction whenever taking photos in the following situations :

# People looking directly at the camera
# Low Light
# Using your flash.

It is also possible to remove Red Eye with software programs if you don’t have this feature on your camera. There are a few free programs available to do this on the Internet. My Image Editing Secrets course shows a video for how to do this on day 3.

Another option is to use Picasa. This is a free image manipulation program from Google that does a great job of removing red eye. To download for free, click here.

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DPS12 Look For Light – May 03, 2010

玖伍贰柒 — Tue, 02 Nov 2010 15:03:06 +0000

跑步回来，感觉稍微好点，记住李笑来老师的跑步要点即可。对待工作的态度，各人太不相同。麻雀虽小，五脏俱全。尽管自扫门前雪不是一种推荐的职场态度，但在一些特定的场合，却是个不错的选择。因为你不管做了什么，或者为了一些本不是自己职责范围里面的事情而生气，吃亏的当然是自己的身体。江山易改，本性难移，那么从勤于锻炼身体做起吧。以此为共勉，你知道的。

这个翻译计划已经搁浅了几个月了，那么画公仔画出肠，就继续下去吧。很简单的道理，要把它用中文说出来却不那么容易。

原文：数码摄像秘笈第十二笈 — 光芒万丈 (Look For Light)
作者：David Peterson
翻译：玖伍贰柒
跨度：20分钟

不同的光线能够改变照片给人的感觉，也是惊鸿一拍与街边货之间重要的差别因素。

善于将被摄体配合阳光的角度以及亮度，比如透过树叶的光线。又或者利用两栋高大建筑的之间的光线变化做背景亦可取得不同凡响的效果。

夜晚光源选择包括：

# 霓虹灯在晚上光线不足时对主体的渲染不错。可以将主体半对着霓虹灯或者直接将霓虹灯做为主题。
# 利用三脚架长时间曝光，抓取路上或者高速路的车流，以及渡轮上的灯光都是不错的选择。

原文：

Digital Photography Secret 12 – Look For Light
by David Peterson

Different lighting can change the mood and feel of a shot, or be the difference between a mediocre and stunning shot.

The light from the setting sun can produce wonderful lighting for a subject, as does sunlight through leaves. Maybe you see a shaft of light between two large objects such as buildings that can be a perfect backdrop for your subject.

Other options for different light sources at night include :

# Neon lights make great night time subjects. You can silhouette your subjects in front of them, or use them as a subject themselves.
# Use a long exposure on a tripod to capture streaks of car lights on a road or highway, or other moving lights like on a ferry.

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DPS10 Use Continuous Shooting – May 01, 2010

玖伍贰柒 — Wed, 23 Jun 2010 09:58:38 +0000

卢梭也跟不上时间的脚步，又到了一个星期的中间，前不着村后不着店，前不见古人后不见来者，在时间长流中前仆后继，为了各自微小的目标。周一上午回来继续一个回笼觉，却没有进食，以至于在晚上的咖哩鱼头的猛攻下周二凌晨~~翻云覆雨~~翻来覆去近四个小时，包含但不限于上吐下泻。那种无力以及无奈感觉至今难忘，人总是记得最近的感受，却美化了久远的痛楚。针对个人而言，忘记收到的关心则无法原谅，稍作记录。

原文：数码摄像秘笈第十笈 — 连绵不绝 (Use Continuous Shooting)
作者：David Peterson
翻译：玖伍贰柒
跨度：7天

是否错过了最佳时机？你知道我的意思。当你想拍摄吹灭蜡烛的瞬间时，结果却是蜡烛已经被吹灭了。

多数相机有一个连续拍照模式，它会快速连续拍摄多张照片。

拍照时，在你按下快门到实际拍摄照片时，通常存在一个延迟间隔。这个间隔可能会让你跟不上主体的活动速度错失重要时刻，比如吹灭蛋糕上的蜡烛。

利用连续拍照模式则会拍下一系列连续的动作照片，后期制作时只需要留下合适的几张即可。也有利于提高捕捉到一些自然表情。

另外在拍摄小孩子或者集体照片时，采用连续拍照模式也会获得不错的效果。

原文：

Digital Photography Secret 10 – Use Continuous Shooting
by David Peterson

Have you ever miss-timed a shot? You know what I mean… The ‘blowing out the candles’ shot has the candles already blown out!

Most digital cameras have a continuous shooting mode, where shots are taken one after the other in rapid succession.

When taking shots, there is often a short delay between when you press your finger on the button, and when the picture is actually taken. This delay may mean your subject has finished their action (eg blowing out candles on a cake) and you have missed the magic moment.

With Continuous Shooting you can take a sequence of shots and keep just the right one. Continuous Shooting also increases you chances of capturing a candid moment.

Where else can this be useful? Any shots of children or group shots will benefit from continuous mode.

三年前的五月一号

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DPS09 Using Flash During The Day – Apr 30, 2010

玖伍贰柒 — Mon, 07 Jun 2010 15:30:29 +0000

报告！已安全度过周末！
同志们幸苦了！
报告！还有无数个周末！
@#$%^&* 为人民服务！

周日花了十多个小时整理照片，分类，改名，压缩，估计只完成了一半。发现遗忘的记忆，遇到成年相宜的收藏品，碰见熟悉的面孔。准备着。

刚刚将一年的花费统计出来了，已经欠了好几个月的报告，为了节省篇幅，将几个饼扔出来完事。好像就这样将一个晚上消耗掉，下面一句不知如何去接。再刚刚，T哥哥分享如何增进孩子兄妹间的感情，一个简单的方法则是让他/她们以辈份称呼而不是洋化般直称呼其名字，比如大姐，二哥等等。要养孩子，不容易。

。。。
有人来过问你的情况呢。。。也是有读到什么什么学校的啦。。。
你们做主看得好不就可以了么
要给你知道啊，打声招呼啊。。。在街上都可以看到三姑六婶在抱孙子了。。。
。。。
。。。
有冇比阿公消息啊
冇贡快啦，阿公
唔好哄阿公喔。。。
唔会的啦，有消息一定第一时间讲比你听
。。。

原文：数码摄像秘笈第九笈 — 锦上添花 (Using Flash During The Day)
作者：David Peterson
翻译：玖伍贰柒
跨度：30分钟

啊？白天用闪光灯？疯了吧。

其实，我没有疯。这可是一个专业摄影师藏而不露的绝技哦。

你可能没有想到的是使用闪光灯适宜场景中的一个是在白天太阳光下。听起来不可思议，但由不得你不信。

开闪光可以消除阴影，比如眼睛和脸颊下方的局部暗影。同时也对突出主体有帮助。

当你逆着光线拍摄主体时，比如人物背光、反射着阳光的游泳池等等，相机会受周围光线的影响而不能调整到最佳参数，最终照片中的主体显得较暗。

打开闪光，给阴影补光，照片看起也平衡些。

也可以在眼睛处造成闪光效果，当在中午阳光充足直射下来时能够减弱鼻子和眼睛下面的阴影。

自然风光摄影师也使用闪光来保证花瓣角落和缝隙充足曝光，减少阴影。

专业摄影师会更加频繁地使用闪光灯来获得满意的效果。

原文：

Digital Photography Secret 09 – Using Flash During The Day
by David Peterson

What? Use a flash during the day? Are you mad?

Actually, no! It’s one of the big secrets that the pro’s keep from us!

Interestingly, one of the best uses of your flash is during bright sunlight! I know it sounds strange but it’s true.

A flash helps to eliminate dark shadows (for instance under the eyes and chin of faces). It also helps to emphasize your subject.

When you take pictures of subjects with bright light behind them, for example a portrait that is backlit, or a duck swimming in water reflecting the sun, the camera will be fooled by the bright surroundings so the subject appears dark.

By turning flash on, you will fill in the shadow areas making the picture much more pleasing.

It can also be used to add a sparkle to eyes, and to reduce shadows under the nose and eyes when pictures are taken when the sun is bright and high in the sky (eg at midday).

Nature photographers even use flash to ensure the nooks and crannies of flower petals are properly lit – to reduce shadows.

Professional photographers use flash much more often than amateurs.

花费报告如下：

Monthly Expense Report 2009.12.24-2010.05.23

分别是 88.34%，101.03%，27.22%，60.93%， 46.68%。

Yearly Expense Report 2009.05.24-2010.05.23

58.37%。

早点睡吧。

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DPS08 Unusual Angles – Apr 28, 2010

玖伍贰柒 — Sat, 29 May 2010 06:39:33 +0000

原文：数码摄像秘笈第八笈 — 出奇制胜 (Unusual Angles)
作者：David Peterson
翻译：玖伍贰柒
跨度：3小时

很多照片一般都从靠近眼睛水平的角度拍出来。这个水平跟传统相关，需要从相机的取景窗中进行你的构图。

现在大部分的相机都有一个内置的LCD屏幕，因此你可以利用它从不同的水平和角度拍照。

尝试将相机向左或右倾斜一点让被摄体在底片中的位置更佳；尝试从低或高的水平拍摄；又或尝试靠近或远离被摄体。主要是不要从眼睛水平上拍照然后体验它们的不同。

通常有很多方式去拍摄一个物体。采用不同的角度可以使得本来平常的照片发出异彩。尽量多试试，最终会了解那种方式更加行得通。

角度小贴士：拍摄纪念碑等类似建筑物时，把相机放在地上，镜头伸向天空将它摄入其中的效果会不错。

Photo by Teo KL

原文：

Digital Photography Secret 08 — Unusual Angles
by David Peterson

Most photos are shot at eye level. I think this is because traditionally, you needed to have the viewfinder up to your eye to ensure you get everyone in the shot.

Because most digital cameras have an inbuilt LCD, you can now take the camera away from your eye and try taking photos from unusual angles.

Try tilting the camera left or right to better position your subject in the frame. Try taking the photo from below, or above your subject. Try getting further away or closer. The main point is to move the camera away from eye level and experiment!

There’s always more than one way to photograph a subject. Using different camera angles can make an otherwise boring image really stand out. The more you practice using different angles, the quicker you’ll know what works and what doesn’t.

Angle Tip : Lie on the ground and point your camera towards the sky for an interesting angle to shoot large monuments with.

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DPS07 Use a Tripod – Apr 27, 2010

玖伍贰柒 — Fri, 28 May 2010 17:37:14 +0000

在卫塞节睡了个昏天暗地，原因如常。

刚刚拜读了“报人程益中” (备用链接)，如果不再抱有希望，那么剧变的痛苦以及流血会升级。中国人对自己人从来都不会手软的。

槟城的旅程已确认下来，也属于KL哥哥的“每月旅行”的一部分，可以戏称为“每月都有那么几天。。。不在新加坡”活动。希望能够承担更多的责任以及义务，不至于碌碌无为。TLT姑姑的车针线已经开动了好几个星期了，也可能会到另外一个省，为了更好的明天。朋友间的华山论剑聚会又将开始，当初在面对面约定时，没有意识到是这个名称，惭愧。由于不是个主动的人，汪洋中的小舟将飘向何处不单单是风的方向。

原文：数码摄像秘笈第七笈 — 稳如磐石 (Use A Tripod)
作者：David Peterson
翻译：玖伍贰柒
跨度：1小时

欢迎进入第二星期。希望你已经利用第一个星期学到的技巧为自己拍摄到好几张不同凡响的照片了。

我知道你要说很讨厌三脚架，它们太笨重了。

但是，明显地，它们可以帮你拍摄到一系列特殊的相片。

带着三脚架到处跑显得很麻烦，不过从两个方面来说可以帮到你。

首先，布置好你的三脚架会大大减缓你的拍摄速度。也就是说，你会更加关注其他摄影因素，比如构图，光线。考虑到更多的摄影因素，也就能够拍摄到更好的照片。

另外一个优势就是使得你的相机更加稳固，能够拍出锐利的照片，特别是在光线不好的环境下。

另外一个三脚架的备用版本是单脚架。顾名思义，它只有一只脚，没有三脚架那么稳固，但将它已某些面作为支撑的话会比你的手来的稳定。

如果你经常登山的话，行走在陡坡时三脚架也是一个很好的支撑物，松开其中一只脚即可。

三脚架选用建议：如果你用的相机很轻，可以考虑购买一个轻量级的三脚架。体积小，重量轻，很容易放进背包或相机包中。

不是建议的建议：其实你也不用用到三脚架。周围任何水平面都可以当作是三脚架 — 椅子的扶手，栏杆，石头等等。但要小心不要损坏你的相机，实际情况下相机很容易从这些表面滑落。

原文：

Welcome to your second week of tips. I hope that you have implemented some of the tips in the first week of secrets and have already created some stunning photographs.

Digital Photography Secret 07 — Use A Tripod
by David Peterson

I know what you’re going to say! You hate tripods! They’re so bulky to take with you.

But trust me – tripods can make a seriously big difference to your photography.

Yes, tripods can be a hassle to carry around with you but they help you take great shots in two ways.

First, the time you take to get out the tripod, set it up and position the camera on it will slow your picture taking down. This means you’ll become more aware of other elements like composition of the image, and lighting. The more focussed you are to external conditions, the more likely you will be to take a great shot.

The added advantage is your camera is more steady allowing you to take razor-sharp images – particularly in low light situations.

An alternative to the tripod is a ‘mono pod’. These only have one leg and don’t have the stability of a tripod, but they have a greater stability than just your hands – particularly if you lean them against something.

If you do a lot of mountain walking, there are also extendable ‘walking canes’ (like a ski pole) that are great for helping you walk up steep hills. The top unscrews to reveal a tripod mount underneath turning it into a mono pod.

Tripod Tip : If you have a lightweight camera, you might consider purchasing a ultra lightweight tripod. These are small, don’t weigh much and easily fit in a backpack or camera bag.

Extra Tip : You don’t need to purchase a tripod either! Any horizontal surface around can make a tripod – arms of chairs, railings, rocks, anything! Be very careful not to damage your camera, though as cameras have a tendency to slip and break when perched on chairs, rocks etc.

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DPS05 Take More, And Erase Your Shots – Apr 25, 2010

玖伍贰柒 — Thu, 06 May 2010 14:16:21 +0000

自从几天前网络飞走后，鄙人一直继续沉迷在网络小说上。一直以来都相信灵感这个词，灵光一闪，诸神勿挡，小心裤裆。晚上给自己煲了鸡屁股炖汤后，思绪猛飞，非言语能够鞭及。就在刚才，对，就是刚才，打开无线网络搜寻可用网络，已经很久没有做这个动作了。看到一个加密的信号，根据我所在的地区，心面不免希望那个能够可以通过某个渠道获得密码的信号。一直以来都相信神使鬼差这个词，神挡杀神，佛挡杀佛，试了两次密码后，我的黄金右手自然的在键盘上弹出一串号码，至今回想起来，绕梁三秒。话说那串号码，按照五行五宫牌法，生死门遥相呼应，隐隐暗示了世间万物运行的规律。当各个号码归位后，雷鸣闪电，第一次看到声音比光更快到来。所以，现在能够在这里胡吹乱侃。

合久必分，为了庆祝这次不会长久的胜利，马上使出等会要上厕所的力气，倒腾出荒废多日的摄影教程：

原文：数码摄像秘笈第五笈 — 多多益善 (Take More, And Erase Your Shots)
作者：David Peterson
翻译：玖伍贰柒
跨度：10分钟

数码相机的一大好处就是可以删除你的照片，只有傻瓜才不会去用这个功能。

尽量多照几张，然后删除那些看起来不好的相片。

可能的话，没半个小时，检查刚刚拍的照片，删除那些感觉不好或者有更好的其他相片能够代替的照片。

通过这样你就能够保留感觉上最好的照片。经常删除不需要的照片也不会占用太大记忆卡空间。

如果时间紧迫，可以使用大容量记忆卡，或者将照片拷贝到比如电脑或者其他储存设备中以备以后编辑。

多拍几张对集体照最好不过了。这么多人，总有某个时候某个人会闭上眼睛或者看向别处。因此，多按几下快门能够让你在里面挑出一张大家都满意的照片。

嗯，这也算是贴士吧。还在处理马六甲的照片中，逾两千张，估计周末时才能够更新了。老爸开口后的压力不同小可，冥冥中自有注定，急也急不来。爸爸啊，可能儿子的首要任务是周游列国吧。另外一个好消息就是CASL可以从警局出来了，最终如何仍不知晓，曙光计算机也算不出来。

原文：

Digital Photography Secret 05 — Take More, And Erase Your Shots
by David Peterson

The ability to erase your photos is one of the major advantages of a digital camera. You’d be mad not to use this to the fullest extent!

Take MANY more shots than you think you need, and then erase those that aren’t right.

Every half an hour, go back through your most recent photos erase any that don’t make the grade, or you have better versions of.

Because you’ll be erasing often you can just keep the ‘best of the best’. Erasing often also ensures you don’t need a large memory card, as it will not be storing your not-so-perfect images.

If you’re always pressed for time, you can either invest in a larger memory card, or copy your images to another storage device like a laptop or card storage unit until a later point.

This is also a huge tip when photographing groups. With such a large number of people, there always seems to be someone blinking, or looking the other way. Having a large number of shots means you can pick the best of them to keep.

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DPS04 Photographing Children – Apr 24, 2010

玖伍贰柒 — Mon, 26 Apr 2010 15:30:58 +0000

周末没有睡好。昨天周日跟Richard转了半天，将会另开个日志来记录下所到的地方。今天早上几乎起不来，做了个很邪恶的梦，将一个恶人活活用石头敲他的头部将他杀死，然后寻思找个地方将他埋葬。细节已经忘记了，故事大纲大概如此，隐隐仍能感受那种压迫感。电脑周末不休息，那么就赶赶工，好尽量跟上步伐。可以看到，所谓三周的贴士，就将一些大项拌开再拌开重复的讲。要将一个东西讲明白，不容易。

原文：数码摄像秘笈第四笈 — 天使的瞬间 (Photographing Children)
作者：David Peterson
翻译：玖伍贰柒
跨度：25分钟

小孩子是很不错的主题。下面是一些贴士使小孩子的照片更有味道。

平等
让自己跟小孩子的视觉水平等高，尽管有时候你需要趴下来。这样你可以获得儿童视野的效果而不会让照片看起来失真（对比那些从高一点水平拍摄的照片）。

抓住自然的表情
当儿童的注意力被其他的事情吸引了的时候拍摄的照片一般来说都不错，比如在玩耍时。他们陶醉在某件事情的表情比在琢磨面前的相机时会好得多。

见惯不怪
让拍照成为孩子成长生活的一部分，这样的好处不会让他们在面对镜头时觉得突尤。尽早让孩子习惯拍照，成为一种习惯。

成长十八变
记录从婴儿牙牙学语到儿童满世界疯跑再到少年意气风发的时刻，在每年大概同一个时期记录起家人相处的时刻，可以是学校的第一天，又或者是某个节日。

原文：

Digital Photography Secret 04 — Photographing Children
by David Peterson

Children make a wonderful subject. Here are some tips for ensuring photos of children are even more memorable.

Meet them eye-to-eye
Bring yourself down to the child’s level even if you need to crouch down. This will give your shots a ‘kids eye view’ and won’t distort their image (as taking the shot from above does).

Capture natural expressions
While posed shots are great, often better results can be gained by capturing an image when their thoughts are preoccupied with something else, eg while at play. You’ll capture their faces enjoying the moment rather than thinking about the camera.

Familiarity ensures success
Children who have grown up having their photo taken will be a lot less likely to freeze or show off in front of a camera. Start early and make photo taking a part of every day out.

Children grow up quickly
Record their growth from toddler to child to young adult by taking a family photo every year around the same time, either the first day of school, or during spring events.

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DPS03 Place Your Subject Off-center – Apr 23, 2010

玖伍贰柒 — Sat, 24 Apr 2010 14:50:40 +0000

周六的时间过得特别快。第一次坐几乎开通了一半的地铁中央环线，在巴耶利巴(Paya Lebar)和实龙岗(Serangoon)转换两次后才到达目的地，时间相对于以前得在欧南园(Outram Park)或者市政府(City Hall)再到多美歌(Dhoby Ghaut)转换较为缩短。中央环线只有五节车厢，在转换站处需要走上一段路程才能乘坐另一路线地铁，类似于多美歌站东北线和南北线之间的距离，同样的不需要重复刷卡。指示牌很明显和简单明了，完全不至于在转换时迷失方向。

谢谢Fo.的捧场，第二部手机选用Blackberry 9000。通过同事K的帮忙下，以类似淘宝价拿下这个Singtel的保修行货机。一起把玩了两个小时，有些设置已经生疏，相对于我的水货加山寨版8320体积大上许多。总的感觉是换型号的时间到了。其中一个设置在回来的地铁上才弄明白，在Phone Option中将“Dial From Key Board”的功能关闭则可以用键盘快捷调出大部分的应用程序，比如信息箱、日程、锁键盘等等。当然得在英语界面下才有这种快捷方案。

据说圣淘沙的赌场开了以后，岛内各地的夜市生意减了不少。另外也有传闻说午夜过后，赌场的客人许多都是下班后的厨师。L间接证实了这一点，他已经在那边扔了6千多。我本来打算叫他一起去见识见识，谁知道他竟先东南飞。幸亏的是没有沉迷进去，而且知道有可能将我诱惑也就从没有遵守曾经的约定。

这两个月，人事变动的很厉害。愿各自找到最合适自己的位置，一帆风顺，能在新的环境下更上一层楼。希望背后的故事也能够一笑而忘，虽然最后可能是相忘于江湖。镜子真的是很好的一个比喻。

今晚巴哈伊中心庆祝蕾兹万节，没有想着去参加，先弄好自己的东西先吧。处于弱电子联系状态中。

原文：数码摄像秘笈第三笈 — 斜眼冷对千夫指 (Place Your Subject Off-center)
作者：David Peterson
翻译：玖伍贰柒
跨度：25分钟

与其将被摄主体放在正中央，还不如将他放置在一旁，将有意思的背景作为陪衬。

这种做法在有同一个主题的背景中会显现特别的效果。举个例子，当你要拍摄一个小孩打开圣诞礼物的时刻，那么将小孩跟圣诞树和未拆开的礼物都摄入照片中。

有一些基本的技巧教你如何摆放主体在照片中的位置。

三等分规则

拍摄方法中有个很流行的技巧就是“三等分”。这是一个很简单的技巧能够使你的照片灵动起来。将你的照片按三等分划分长宽线，拍摄构图时，将你的主体放置在这些线上或者交叉处，就是不能放在正中央。

比如，将主体的眼睛放在最高的那条线上，又或者将主体放置在这两条线的交点处。

这是一个很容易就能够做得到的技巧使得照片看起来很有平衡感。也能够避免拍出一张空洞的背景和细小的主体反差极大的照片，因为你需要根据照片的边缘来选定适当的位置。

尽管如此，硬币也是有两面的。虽然遵循三等分规则是一条放之天下皆准的方法，但突破规则也是一条准则。

原文：

Digital Photography Secret 03 — Place your subject off-center
by David Peterson

Rather than placing your main subject in the middle of the screen, place it to one side and ensure something interesting is in the background that fills the remainder of the image.

This can be especially effective if the background has the same theme. For example, if photographing a child opening a Christmas present, frame them to one side and have the Christmas Tree with unopened presents filling the rest of the image.

There are a few guidelines that can help you place your subject in the frame.

The Rule of Thirds

One of the most popular rules in photography is the “Rule of Thirds”. It is a simple rule that can add dynamism to your photos. Simply, divide the image into thirds both horizontally and vertically. When composing your shot, place important elements either along these lines, or where the lines intersect – NOT at the centre of the frame.

For example, place a subject’s eyes where the top line is, or place your subject on the place in the image where two of these lines intersect.

It’s a very simple rule to follow and will result in a nicely balanced, easy on the eye picture. It also helps get rid of the ‘tiny subject and large amount of space’ tendency because you need to position items relative to the edges of the frame.

Having said this, the Rule of Thirds is also one of the rules you’ll want to break often! This is fine – the Rule of Thirds is more of a guideline and sometimes you will find a better image when you break the rule.

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DPS02 Use Optical rather than Digital Zoom – Apr 22, 2010

玖伍贰柒 — Sat, 24 Apr 2010 08:11:30 +0000

这组作品太有震撼力，用震撼这个词不是很符合这类“生活”照片，但第一张照片和介绍给我的感觉就是这样：

Pulitzers 普利策新闻摄影奖2010

奖项：Feature，专题摄影奖
获奖摄影师：Craig F.Walker，《Denver Post》
获奖作品：“Ian Fisher: American Soldier”，“Ian Fisher的军旅生活”，这组作品从2007年6月1日开始拍摄，结束于2009 年8月24日，记录了一名美国普通年轻人从应征入伍到成为一名正式军人的完整过程：应征时的犹豫，分别时的依恋，第一次想家，第一次受伤，第一次执行任务，订婚，前赴伊拉克，纹身，领结婚证…整组作品的拍摄角度平和而真诚，将个体置于广阔的环境与议题中，却没有失去对“人”本身的关注

原文：数码摄像秘笈第二笈 — 软的比不上硬的 (Use Optical rather than Digital Zoom)
作者：David Peterson
翻译：玖伍贰柒
跨度：2天

市场上的相机几乎都配备有光学变焦和数码变焦功能。

如果你曾用过胶片相机，那么对光学变焦不会陌生。光学变焦是利用相机中的（光学）镜头将被摄物体拉近。相对的，数码变焦这是用软件来数据增大照片的某个部分，通过这种功能来模仿光学变焦。

光学变焦当然比数码的好。原因如下。

数码变焦在技术上来讲并不属于变焦。数码变焦只是放大照片而已，比如它只是将照片的一部分放大到全尺寸。在这个放大的过程中图片质量即清晰度会降低，所以在数码变焦模式下拍摄的照片看起来比较差。

在电脑上你可以用图片处理软件达到同样的放大效果。实际上，通过图片软件来处理、剪切照片会让你更加容易选择需要的某一部分照片，以及要放大多少。

所以，拍照片时只用光学变焦。如果你要将物体拍的更近，在图片软件中选出你需要的区域放大即可。将你的相机设置成当光学变焦转变成数码变焦时发出提醒，或者完全关闭数码变焦功能。

为什么清晰度这么重要？你的照片越清晰，那你就可以将照片放的越大而不会变得模糊或者失真。尽可能在光学变焦范围内拍摄，得出的照片才可能清晰和细腻。

如何使用光学变焦？当你使用相机的变焦功能时，它会先使用光学变焦功能，然后才是数码变焦。参考使用手册将相机设定成当它们转换时会发出提示，或者取消数码变焦功能。

原文：

Digital Photography Secret 02 – Use Optical rather than Digital Zoom
by David Peterson

Cameras are marketed with both an Optical Zoom and Digital Zoom capability.

If you’ve used a film camera, you’ll be used to optical zoom. Optical zoom uses the lens of the camera (the optics) to bring the subject closer. Digital zoom uses clever software to digitally enlarge a portion of the image – thus simulating optical zoom.

So, which is better? Definitely Optical zoom. Here’s why.

Digital zoom is not really ‘zoom’ in the strictest definition of the term. Digital zoom just enlarges the image. Eg it takes a portion of the image and enlarges it back to full size. You lose quality because of the enlargement process so photos that have been taken with digital zoom won’t look as good as those without.

You can perform the same result using image editing software on your computer. In fact, it can be better to crop and enlarge using your image software in your computer as you can decide exactly what part of the image to enlarge, and how much to enlarge by.

So when taking shots, use optical zoom only. If you need to zoom in further, use your editing software to select the best part of the image to keep. Ensure your camera warns you when it’s switching to digital zoom from optical zoom, or use your settings to disable digital zoom entirely.

Why is clarity important? The more clarity you have in your image, the larger the printed size can be without the image appearing fuzzy, or blocky. If you want to keep clarity in your images, use the optical zoom whenever possible, and avoid the digital zoom.

How do you use Optical Zoom? When you zoom in using your camera, it will use Optical zoom first and then use Digital zoom. You can usually set your camera to notify you when it starts to use the Digital zoom, or tell it to not use digital zoom at all. Consult your manual for details.

不论怎样防备，在你最薄弱的时候就被自己战胜了。跳不出这个麦田怪圈。周末愉快。

謝天華 – 細味

無驚無險無後顧地
我會懶爭氣
人生如低到就貼地
轉角有轉機

全場也在瞬間如像鳥獸飛
留下會是我的知己

就是傷悲襯托歡喜
就是酸苦澀亦要細味
就是分開叫我想起
路上有你很美苦滲著甜味

曾經迷失埋下儲備
見慣惡天氣
離開成功有段距離
我至會更加用力氣

未怕死溜後到奮起
流淚過程那須講起

就是傷悲襯托歡喜
就是酸苦澀亦要細味
就是分開叫我想起
路上有你很美

淡泊之間滲進驚喜
就是酸苦澀亦覺細膩

大難不死你會想起
現實世界很美
苦滲著甜味
苦滲著甜味

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DPS01 Move In Closer – Apr 21, 2010

玖伍贰柒 — Thu, 22 Apr 2010 13:23:45 +0000

写在前面。顺着某个广告链接发现了这个号称无私奉献的个人网站，专门教潮人用Canon 5D。天下没有免费的午餐，号称只是号称而已，但是接下来，还是会给大家分享他的三周课程。5D是全副相机，估计里面有些不太适应我的K200D，不过条条道路通罗马，没有什么妥当不妥当的。哈哈。

另外，推荐吴玮的摄影乱煲教程。

原文：数码摄像秘笈第一笈 — 亲爱的，来，靠近我 (Digital Photography Secret 01 – Move In Closer)
作者：David Peterson
翻译：玖伍贰柒
跨度：1小时

如果你能够靠近要拍摄的物体两三步，几乎所有的照片看起来会更好。有时将物体占满你的照片会使得它变得完全不同。

相对的，很多时候你不需要走前两三步，使用相机上的光学或者数码变焦也同样可以得到类似靠近后的照片。（可能的话，请使用光学变焦，明天我会说明原因。）

当拍摄家人或朋友时，多数人会将他们整个身体摄进照片中，或者只是包含手的上半身。其实，如果只是拍脸部的话效果会大大提高，特别是在他们笑起来或者做某些表情时。

如果拍摄时不能靠近被拍摄体，你可以在图片编辑软件中放大照片，剪切掉不需要的背景等等无关构图，只留下脸部区域，对比一下有什么不同。

当你使用取景窗微距离取景时，小心潜在的视差。因为取景窗并不等同与镜头，在取景窗中的正中间的物体就代表了镜头中的物体并不正中。你可以用现在多数相机都带有的LCD屏幕取景来解决这个视觉误差，LCD上面的物体位置就是最终的照片构图。

原文：

Digital Photography Secret 01 – Move In Closer
by David Peterson

Almost any shot will look better if you take two or three steps closer to your subject. Filling the frame entirely with your subject will make a terrific difference to your photos.

Alternatively, instead of moving closer, use the Optical or Digital Zoom of your camera to get a close up shot. (Preferably Optical zoom – I’ll tell you why tomorrow)

When taking shots of family and friends, most people place the subject’s full body in the frame, or place head and arms in the shot. Instead, fill the frame with your subject’s FACE only – particularly if they are smiling or are in a moment of reflection.

Why does this work? With less clutter in the image, there’s less to draw the eye away from the main subject of your photo. Also, human faces (particularly children’s faces) are something we all feel pleasure looking at.

If you can’t get close enough when you’re taking the shot, you can zoom in later using photo editing software – crop out everything except the subject’s face and see what a difference it makes.

When using the viewfinder for close shots, be careful of Parallax. Because the viewfinder is not at the same position as the camera’s lens, centering the subject in the viewfinder may mean it is not centered for the lens resulting in an off-center final picture. Most digital cameras now come with an inbuilt LCD screen. You can eliminate this problem by using the LCD – which shows you what the lens sees – rather than the viewfinder.

感冒两天了，鼻水如滔滔江水连绵不绝。刚刚弄了包冲剂，感觉好多了。S面临她人生中的大问题，不管怎么选择都不是一条通畅大道，而且本性善良的特点已经让她没有选择。伟大。

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Extinction is forever – Apr 18, 2010

玖伍贰柒 — Thu, 22 Apr 2010 12:10:12 +0000

Straits Times, April 21, 2010, first page advertisement:

So exotic, they’re only found at ant-hills, termite mounds and the finest restaurants.

Does an adventurous palate justify brutality? Before this delicacy reaches the table, the pangolin is smuggled in crammed cages, hammered in the head and scalded in boiling water. To save it from the chopping board, Wildlife Reserves Singapore works with enforcement agencies to stop this illegal trade. By rescuing, rehabilitating and releasing the pangolin into protected area, we can keep it far from the chef’s specials.

我的转译：

奇怪是吧，你只能在蚂蚁堆、白蚁穴以及高级餐馆见到它们。

精致的食物并不等于残忍。放在麻袋中走私，锤子敲打头部致死，热水滚烫后，鲮鲤才被端上餐桌。为挽救砧板上的鲮鲤，新加坡野生动物协会跟不同机构尽力阻止非法交易。拯救，康复以及将它们放生到保护区域，它们在菜单上消失是我们的目标。

注：如中文跟英文有冲突，请以英文为主。

昨天大陆暂停了官方能够控制的娱乐活动，为玉树遇难同胞祈祷。如果大家能够达到自发的境界，那么社会会更加和谐。这个周日受Mr. Richard的邀请，去参加一个有关保护穿山甲基金筹集会的晚宴。主体是一个叫TRAFFIC的非政府组织，监视和控制穿山甲非法走私只是他们的一个项目而已。晚宴在Hort Park举行，Hort Park有一个设计巧妙廓然开朗的小天台。一个穿白衣的小女孩从草坪的一角跑出来，跳动的白色和绿色融为一体，那一刻后悔手中没有相机，内牛满脸。晚宴嘉宾并不多，最后宣布筹集的基金好像是14千或者是40千新币，可怜英文。也皆由此认识了R的观鸟协会的朋友，节目中就有他朋友口技出20种鸟的叫声，让每个餐桌竞猜环节，有答案全对的，至于我，则是一串一串单词飘过，然后留下这段话。通过这个网页，知道了当时筹集的基金有40千呢。记得小时候听闻过穿山甲的“珍贵”，客家话里面应该叫“吉灵”，可以用来入药，已经很多年没有听过有谁看过它的出现了。根据TRAFFIC的报告，中国是一个巨大的黑洞，开始是靠近云南边境国家里的穿山甲数量剧减，现在已经扩散到马来西亚和印尼。

R家靠近中西部，是一个大型的私人公寓，家有两层楼，类似于将上下两层楼打通的格局，布局简单又不失隆重，二楼楼梯口的英国国王查理一世油画画像据说有三百多年的历史，就是那个被砍头的查理一直，我这样的画盲只是觉得有点暗而已。一楼除了进门处宽敞的客厅，还有一个仿照旅店布局的客人房，然后隔壁则是厨房和杂物间；二楼楼梯旁则是小型的电视厅，两边分别是尽是书的书房和打通阳台的卧室。嗯，我的叙事功力退化到小学一年级了，连开头主题结尾都不会了。周一稍微股沟了一下R，结果给我的感觉是自己知道了一个巨大的宝藏，那是一个完全不同的世界。都有点后悔这个举动，Let it Be.

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Tan Kin Lian: 现金返还保险计划 – Oct 28, 2009

水自流 — Thu, 29 Oct 2009 02:29:20 +0000

写在前面，下面的中文请忽略。关于是否要买这种保险，上个周六在ZH家听他提到一下，原话大概是这样的：如果超过十年就继续供着，否则的话是亏本。未来两天会将他的“提纲”贴出来以嗜读者。

原文：现金返还保险计划 (Cash back insurance policy)
作者：Tan Kin Lian
翻译：玖伍贰柒
跨度：0.5天

让我来说说为什么现金返还保险计划对保户来说是个鸡肋

现金返还计划是一个基本条款和年返还条款的结合。基本条款是整个生命保单年费年费为5000元，然后25年年底2%的年收益。现金返还条款特点是加了另外的1000元年费然后第二年开始付950元（第一年是没有的）。现金返还条款其实是降低年收益到1.8%。

保险经纪告诉保户他从第二年开始就可以得到返还现金，这使得整个计划很有吸引力。但是经纪并没有解释年收益降低或者因为现金返还的存在而使得年收益减少了。

经纪在6000元年费上赚取佣金（包括付给现金返还计划的年费）。如果分配成本是200%，那么保户就需付12000元的分配，包括现金返还的分配。

为现金返还计划付出更高的保费而相对增加的保费获得减少，这样对保户来说很不划算。但是保户并不知道这类保单的策略。经纪会宣传这是具有“开创性”的保单。

这是翻译得最坑坑洼洼的文章，对大部分的专业术语一头雾水，其中可能将作者的意思拉到千里之外了，费正清都没我厉害。而这篇文章只有短短的几段提纲挈领文字，还是看原文吧：

Cash back insurance policy by Tan Kin Lian

I wish to explain why a cash back insurance policy gives a poor yield to the consumer.

A cash back policy combined a basic policy with an annual refund feature. Let us take a hypothetical case. The basic policy is a whole life policy with an annual premium of $5,000 and a yield at the end of 25 years of 2% per annum. The cash back feature adds an additional premium of $1,000 and pays $950 a year from the 2nd year (i.e. no payment for the first year). The cash back feature reduces the yield to 1.8% per annum.

The agent tells the customer that he is getting a cash back every year (after the first year) and makes it look like a more attractive policy. But the agent does not explain that the yield has reduced or the effect of deduction has increased with the cash back feature.

The agent earns commission on the increased premium of $6,000 (including the premium paid for the cash back feature). If the distribution cost is 200%, the customer will be paying $12,000 in distribution cost, including the cost attributable to the cash back feature.

It does not make sense for the customer to pay a higher premium for the cash back feature and get back less than the increased premium. But the consumer does not know about this structure of the policy. The agent tells the consumer that this is an “innovative policy”.

在这篇文章后面有几个留言可以说是注释。大概有两点：

1. 现金返还是拿回自己的现金，却没有利息。。。如果你没有“坚持”到最后，则会损失一部分资产。这个计划是强制性的，同时保期太长。。。只有保险公司和经纪在赚钱。
2. 。。。人比较难坚持存钱，因此有客户还是很谢谢我让她十年后可以拿到那么多的钱，尽管我从她的保费中赚取了很大一部分。。。T.K.L对取出返还的现金会将本来就低的收益率变得更低，但是如果不提取的话，那么收益率还是会增加少少的。（注：我不知道里面的PS/BI指什么）

Bertie Higgins – Casablanca

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Tan Kin Lian: Buy Motor Insurance Directly – Dec 17, 2007

玖伍贰柒 — Tue, 09 Jun 2009 07:17:04 +0000

原文：自行购买车辆保险 (FAQ: Buy Motor Insurance Directly)
作者：Tan Kin Lian
翻译：玖伍贰柒
跨度：0.5天

常见问题：自行购买车险

这是一些可以少付车险的方法

1. 设置一个车险过期日前两个月的备忘提醒

2. 准备车辆的以下信息：

– 车辆规格（型号，引擎容量*，注册年份，市场价值*）
– 车主信息（年龄，驾驶年龄，职业）
– 保险种类（全保，第三方，第三方和防盗防火）
– 前一年的无赔偿折扣
– 这一年是否有任何索赔？
– 前一年的保费

* 这些数据并不是必须的，因为有些保险公司并不要求这些资料（他们可以通过车辆型号查询出相关信息）

通常情况下，你一般要购买全额保险。如果车龄太老，保险公司只愿意让你购买第三方保险。

3. 找到顶尖的车辆保险公司热线，比如：NTUC Income，AIG，AXA

4. 打电话去咨询报价。询问直接跟他们购买是否有折扣，让他们给出理由如果报价比前一年的高。（他们为了取得保单或许会给你折扣）

5. 打热线电话去测试如果你对他们的索赔服务质量不了解的话（不要等到发生车祸的时候才打热线电话），看看是否很容易有人回答你的问题以及职员的服务态度等等。

6. 在现在的保单过期两个星期前做出决定。

7. 以下是在车辆保险行业“比较积极”的保险公司联系信息：

American Home (AIG), Tel No. 6419 1000 Fax No. 6835 7401 http://www.aig.com.sg/
AXA Insurance, Tel: 6338 7288 Fax: 6338 2522 http://www.axa.com.sg/
China Insurance Tel: 6389 6111 Fax: 6222 1033 http://www.chinainsurance.com.sg/
HSBC Insurance, Tel: 6225 6111Fax : 6732 0743 http://www.hsbc.com.sg/
India International, Tel: 6347 6100 Fax: 6225 7743 / 6224 4174 http://www.iii.com.sg/
Mitsui Sumitomo, Tel: 6220 9644 Fax: 6225 6371 http://www.ms-ins.com.sg/
NTUC Income, Tel No. 6336 3322 Fax No. 6338 1500 http://www.income.com.sg/
Tenet Insurance, Tel: 6221 2211 Fax: 6221 3302 http://www.tenetinsurance.com/
Tokio Marine, Tel: 6221 6111 Fax: 6224 0895 http://www.tokiomarine.com.sg/

原文：

FAQ: Buy Motor Insurance Directly

Here are the tips to pay less for your motor insurance.

1. Put a reminder in your diary two months before the expiry date of your motor insurance policy.

2. Get the following particulars of your motor car:

Particulars of car (model, engine capacity*, year of registration, market value*)
Particulars of owner (age, years of driving experience, occcupation)
Type of cover (comprehensive, third party only, third party with fire and theft)
No-claim discount for past year
Any claims during the current year?
Previous year’s premium

* these data are optional and may not be asked by some insurers (as they can figure them out using your car model).

Normally, you ask for Comprehensive cover. If your car is too old, the insurer may offer Third Party cover only.

3. Get the hotline number of the top motor insurers, e.g. NTUC Income, AIG, AXA

4. Give a call to the hotline and ask for a quote. Ask them if you give you a discount for calling them directly. If they charge a higher premium than for your previous year, ask them why they are charging more. (They may give you a discount to attract your business).

5. If you are not sure about the quality of the claim service, call the claim hotline now (i.e. do not wait until you have an accident) and see if it is easy to get through and if the staff is polite and friendly.

6. Make your decision two weeks before expiry.

7. Contact Details

Here are the contact numbers of the insurance companies that are active in motor insurance.

American Home (AIG), Tel No. 6419 1000 Fax No. 6835 7401 http://www.aig.com.sg/
AXA Insurance, Tel: 6338 7288 Fax: 6338 2522 http://www.axa.com.sg/
China Insurance Tel: 6389 6111 Fax: 6222 1033 http://www.chinainsurance.com.sg/
HSBC Insurance, Tel: 6225 6111Fax : 6732 0743 http://www.hsbc.com.sg/
India International, Tel: 6347 6100 Fax: 6225 7743 / 6224 4174 http://www.iii.com.sg/
Mitsui Sumitomo, Tel: 6220 9644 Fax: 6225 6371 http://www.ms-ins.com.sg/
NTUC Income, Tel No. 6336 3322 Fax No. 6338 1500 http://www.income.com.sg/
Tenet Insurance, Tel: 6221 2211 Fax: 6221 3302 http://www.tenetinsurance.com/
Tokio Marine, Tel: 6221 6111 Fax: 6224 0895 http://www.tokiomarine.com.sg/

发现要将其中的句子用最简单而不会曲解原意翻出来很难，一方面对中文的相关术语不了解，另一方面还好是多花时间提高英语词汇量和翻译技巧吧。

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Tan Kin Lian: Customer Service on Motor Insurance – Sep 22, 2008

水自流 — Mon, 22 Dec 2008 15:43:47 +0000

Bus 45路上的清真寺。坐在公车的第二层，不经意的侧头看到嵌在棉花糖般的清真寺

N久之前就尝试搜索一下关于新加坡车险的信息，因为工作上能够用到。将Tan先生的blog收藏后就没有再来光顾，近段时间才了解要有所发展还是将精力放到现在谋生的方向来。因此，将不定时翻译Tan先生的一些关于车险的文章，当然，这个还没有得到他的许可。暂时先试行翻译一些文章，然后再根据效果进行下一步方案。需要铭记于心的是，千里之行，始于足下；千里之堤，溃于蚁穴。说再多也没有用呀。

About Tan Kin Lian
Former CEO, NTUC Income
“I retired from NTUC Income on 28 February 2007, after completing 30 years as the chief executive. I write this blog to educate the public about insurance, finance and current affairs in Singapore. I invite you to visit my website, www.tankinlian.com. If you wish to post any view on this blog, you need to be a registered user, including OpenID. You can also write to me at kinlian@gmail.com”

关于Tan Kin Lian
NTUC Income前首席执行官
“经过将近30年的执行官生涯后，我自2007年2月28日从NTUC Income退休。我写这个blog的目的是让大众更加了解新加坡的保险、财经以及一些时事。请访问我的网站：www.tankinlian.com。你需要注册在这里发表你的意见，支持OpenID。也欢迎你发邮件到我的邮箱： kinlian@gmail.com。”

原文：车险中的客户服务 (Customer service on Motor Insurance)
作者：Tan Kin Lian
翻译：水自流
跨度：3天

车险中的客户服务
Tan先生，你好，

我的车被一辆沃尔沃撞到后面。首先将车开到IDAC，做了检查后，我将车送到一个在UBI的NTUC授权维修车行进行维修。我刚刚取回车辆，下面是关于这次事情的一些问题：

1）车行帮助我去索赔医疗费用是否是正常的步骤？我去的车行只是简单的叫我将我的医疗费用单交给他们，他们会“代表我”去索赔。
答：一个好的保险公司会帮助你去索赔。但他们愿意选择简单的方式，因此，你需要车行来帮你去索赔。

2）我是否该知道沃尔沃的车主会付给我去的那个车行多少维修费用？我经常听到的就是车行会从保险公司那索赔一大笔钱，而只支付其中的一小部分给我。
答：你只是有权让车行将车维修完好。至于保险公司给车行多少维修费用是另外一回事。

3）我是否也可以索赔受伤造成的误工费/损失费（我右眼被严重撞伤）？可以的话，程序是怎样的？我可以只是交给车行帮我索赔吗？
答：你可以通过发信件直接向保险公司索赔。但是他们赔偿的金额很少。因此，很多车主选择律师来帮忙索赔。可以试试律师。

4）我对索赔的整个过程的不透明性很不满意。以你的经验，是否有一个更好的方法去索赔？
答：为客户提供一个简单有效的方法去索赔由于车祸引起的损失是一个好的保险公司的责任。你该坚持能够从保险公司那里得到高质量的服务和帮助的权利。如果他们不能做到，你可以去投诉他们。请浏览我blog中关于“消费者向MAS投诉”栏目。

注：
1. IDAC是Independent Damage Assessment Centres的简称，可以从GIA的网页上看到IDAC是应运从2002年8月1日生效的新的车险规则而生的。
GIA是The General Insurance Association of Singapore的简称，也就是新加坡的保险业行会。
2. IDAC只是负责车祸的登记，车辆损坏情况的检验。因此就有授权维修中心的产生。
3. 这个案例为第三方索赔(Third Party Claim)，也就是对方负全责。由此产生的所有费用都有对方保险公司负责。一般来说，保险公司可以根据投保车主的保单类型、驾龄、是否车主驾驶以及索赔金额等来决定车主需要支付的‘罚款’，即excess。

原文：

Customer service on Motor Insurance

Hi Mr. Tan

I was involved in a car accident, where a Volvo slammed into the back of my vehicle. I brought my vehicle to IDAC. After inspection, I brought my vehicle to an NTUC authorized workshop in UBI. I have just got my vehicle back. I would like to know:

1) Is it the usual procedure for the workshop to claim my medical expenses? The workshop I went to simply asked me to hand over all my medical bills and they will assist to “claim on my behalf”.
Reply: A good insurance company will assist you to make this claim. But they prefer to have the easy way out. So, you have to depend on the workshop to do it for you.

2) Would I be able to know how much the insurer of the Volvo is liable to pay to the workshop I went to? I have heard stories from my friends that very often, the workshop will get to claim a much larger amount from the insurer and they would only pass a fraction of that money to me.
Reply: You are entitled to have your car repaired to its condition before the accident. How much the insurer pays to the workshop is a separate matter.

3) Am I also able to claim for lost allowance / hardship for the injuries caused to me? (I suffered a badly bruised right eye) What would be the procedure to do this? Can I just leave it to the workshop to claim this for me
Reply: You can make this claim by writing direct to the insurance company. But they tend to give a low amount to the claimant. So, many claimants prefer to engage a lawyer to make the claim. Try the lawyer.

4) I am upset over the transparency of the entire motor insurance claims procedure. In your expertise is there a better way to do this?
Reply: It is the duty of a good insurance company to make it easy for you to claim for your losses. You should insist on a high standard of service and assistance from the insurance company.
If they fail to do so, you should lodge a complaint. Read my blog about “Consumer complaint to MAS”.

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Top 20 tips for Blackberry – Nov 27, 2007

水自流 — Tue, 27 Nov 2007 09:07:03 +0000

在贴这个post之前一直在考虑怎样将中文和英文更好的放在一起，既可以不影响阅读而又可以好好的对应起来。最后选择这样的排布方式，可能是因为它有列表符，所以这样比较合理。

关于黑莓的20个快捷操作方式
1. 按一下开关建，可以打开背光。7290有两级不同亮度的背光。
2. 按住Alt键同时按着退出键可以切换到其它应用程序。方法是按住Alt键不放，然后点按退出键去选择你需要切换过去的程序，然后松开Alt键即可。其实跟电脑的快捷键Alt + Tab一样。
3. 退出当前屏幕或对话框，按一下退出键即可。如果要挂断正在通话中的电话，要一直按着退出键直到屏幕显示已经挂断电话。
4. 插入一个句号，快速按空格键两次。下一个字母就会变成大写的了。
5. 在邮件区域输入@键，按一下空格键就即可。
6. 要输入一个音符或特殊符号，按住对应的字母键，然后转动滚轮选择需要的符号。
7. 要输入某单个大写字母，按住该字母键不放直到它变成大写字母。
8. 打开大写输入方式，同时按一下Alt键和右Shift键。关掉它，就按一下右Shift键。
9. 回复该条信息，按一下R键。转发该条信息，按一下F键。回复全部，则按一下L键。
10. 查看发出的信息，则在信息列表上按住Alt键然后点一下O键。查看收到的信息，则按住Alt键和I键。按住Alt和S键查看短信息。而Alt键和P键是查看通话记录。要查看语言信息则按住Alt键和V键。
11. 在信息列表中，查看（移到）前一天的信息，按一下P键。而查看下一天则是N键。
12. 要想在桌面上将指针上下移动，按住Alt键然后转动滚轮即可。这样这个滚轮就是二维键了。
13. 改变可选的区域，按住Alt键，点击对应的可选择键。
14. 移动到列表中的项目或一个项目，按一下项目名称的第一个字母对应键。
15. 选择确认框，按一下空格键。清除确认框，再按一下空格键。
16. 在数字输入框中，直接按数字对应键即可，不用按着Alt键。
17. 选择正文（文章、信息）的一些行，按住Shift键然后转动滚轮。
18. 剪切选中的文字，按住Shift和空格键。拷贝选中的文字，按住Alt键然后按一下滚轮（不是转动）。要粘贴选中的文字，则按住Shift键然后按一下滚轮。
19. 移动到本屏幕的最上端，按一下T键。到最下端，则按一下B键。
20. 往下移动一页，按一下空格键，往上则按住Shift键加上空格键。

想知道更多快捷方式，在任何程序的菜单上选择Help（帮助文件），也可以在随机附送的印刷件或网上在线指导得到。

13和14项我不是很明白，现在我的Blackberry只是用来日常联系和看电子书，上网的还没有开通，由于各种原因暂时不开通啦。

Top 20 Tips for blackberry
1. To turn on the backlighting, press the Power button.
2. To switch to another program, hold the Alt key and press the Escape button. Continue to hold the Alt key and select a program Release the Alt key to switch to that program.
3. To exit a screen or dialog box, press the Escape button.
4. To insert a period, press the Space key twice. The next letter is capitalized.
5. To insert the at sign (@) and periods in an Email field, press the Space key.
6. To type an accent or special character, hold the letter key and roll the trackwheel.
7. To capitalize a letter, hold the letter key until the capitalized letter appears.
8. To turn an CAP lock, press the Alt key + the Right Shift key. To turn off CAP lock, press the Right Shift key.
9. To reply to a message, press R. To forward a message, press F. To reply to all, press L.
1o. To view sent messages, in the messages list, press the Alt key + O. To view received messages, press the Alt key + I. To view SMS messages, press the Alt key +S. To view phone call logs, press the Alt key + P. To view voice mail messages, press the Alt key + V.
11. To move to messages from the previous day, in the messages list, press P. To move to messages from the next day, press N.
12. To move the cursor in a different direction, hold the Alt key and roll the trackwheel.
13. To change an option field, hold the Alt key. Click a value.
14. TO move to an item in a list or item, press the first letter of the item.
15. To select a check box, press the Space key. To clear the check box, press the Space key again.
16. To type numbers in a number field, press a number key. You do not need to press the Alt key.
17. To select a line of text, press the Shift key and roll the trackwheel.
18. To cut selected text, press the Shift key + the Backspace key. To copy selected text, press the Alt key and click the trackwheel. To paste selected text, press the Shift key and click the trackwheel.
19. To move to the top of a screen, press T. To move to the bottom of a screen, press B.
20. To move down a screen, press the Space key. To move up a screen, press the Shift key + the Space key.

To find more tips, in the menu of any program, click Help. You can also find tips in the printed documentation that accompanied your BlackBerry device or in the online user guide.

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Travian – Aug 08, 2007

水自流 — Wed, 08 Aug 2007 14:58:20 +0000

下面是在Travian的Server 4中加入一个联盟时该联盟老大群发的信息。先前的村庄已经给我自己注销了，因为旁边有个高等级的除了掠夺资源外还摧毁村庄建筑，这样真是不可理喻，开始时沟通不成，到后来骂了他几句就更加疯狂，没有办法，联盟成员距离太远，而且对方的联盟太强大。

War Strategies
战略

As everyone should know, Harem has declared war on us. Our guys in the northern region of the southwest have been doing an excellent job, but they can’t do it alone. Here are some ways you can help, even if you’re not nearby.
大家都收到消息，Harem已经跟我们宣战。我们在西南区域北部的兄弟战功赫赫，但他们仍然需要其它人的帮助。下面是一些帮助他们的途径，尽管你的村庄距离较远。

Sending Resources
供应资源

War is expensive, and often both sides suffer heavy casualties. All the troops a member works weeks to build up can be taken out in one evening. Often times the member won’t have enough resources to rebuild their army, either offensive or defensive. I encourage all of you not in the immediate Harem region to send regular resource shipments to those who are in the region. Please remember not to send more than one hours production of each resource per 24 hours, as that’s a violation of the ‘push’ rule.
战争是有金钱堆起来的，另外双方都要承受严重的伤害。一个晚上就可能消耗一个星期才能建立起来的军队。通常情况下，个人是没有足够的资源来重建他的军队，不管是攻击方还是防守方。我希望那些不在Harem区域附近的兄弟能够经常将资源运送给那些在Harem附近的人。请记住在24小时内每种资源的运送量不要超过你一个小时的产量，因为那样是规则不允许而有可能遭受惩罚。

Fake Attacks
假攻击

One of the most valuable tactics of war is to get your enemy’s armies moving by using fake attacks. Since they won’t know what you’re sending at them, they won’t know the difference between a fake attack and a real one. Imagine if all of us send 5 fake attacks per day (spread out throughout the day). That’s a total of 175 incoming attacks they’ll be seeing, and they’ll have no idea what’s coming at them. Now toss in the large attacks already coming at them, and they’re going to be quite scared.
战争中最有价值之一的策略是由于你的虚假攻击来影响敌人的军队移动。当他们不知道你将派出多少军队时，就不知道你是真的攻击还是只是骚扰。想象一下如果我们每个人每天派出5队骚扰人马（将间隔分散到每天），那他就会看到175个攻击，而且也不知道来的军队的具体数目。看到如此大的攻击量，肯定会吓死他们的啦。

Scouting
侦察

Every member of this alliance should have at least 35 scouts/pathfinders/EL’s in their village by Friday. The reason for this is twofold. First, if they can’t successfully scout you, they’ll have no idea what you have or whether they have what it takes to complete a successful attack. Most of the time they won’t attack at all. Second, you can help out by scouting members of the Harem alliance at random. If the guys with the larger offensive armies don’t have to waste time scouting they can spend more time attacking.
这个联盟的成员在星期五都必须至少有35个scounts/pathfinders/EL’s在自己的村庄中。原因有两个：一，如果他们不能探测你，那么他们就不知道你有多少军队或者对该派出多少军队才能够成功攻击你而不用损失太大。在这种情况下，他们一般不会攻击。二，你可以时不时探测一下Harem联盟成员的军队，这样我们那些有大量的防守军队的村庄就不用浪费时间去探测了，而可以专职攻击。

Regular Attacks
常规攻击

Lastly, although it’ll take quite a bit of time I want to let everyone know they’re encouraged to send attacks of their own. Sure, it might take eight hours to get there, but when it gets there it’ll help.
最后，尽管会花一点时间但我还是希望大家派出自己的军队去攻击。当然，可能需要花费8个小时到达那，但是当你到那里时总是会有帮助的。

Closing Remarks
结语

As always, if anyone has any questions, comments, suggestions, idea’s, etc. please don’t hesitate to let me know.
同样的，如果大家有什么问题、评论、建议、想法等等请一定告诉我。

就是这个让我重新开号的家伙：

Kiasu I (-100|-86)
Tribe: Teutons
Alliance: Ares
Owner: ccp
Inhabitants: 663

现在只是有时间的情况下去升升级，如果上网条件不能保证的话，没有必要去碰这些网页游戏。我现在的水平很低，有很多策略和发展途径，以及一些计算器，等有时间再去研究一下。Travian 中文版，点这里。

BTW, I arrived at Zhongshan this evening from Bao’an Shenzhen. And will take the plane to Cairo, Egypt tomorrow with colleague, eh, maybe calling ex-colleague will be suitable.

被点名了，把游戏继续下去 – Aug 28, 2007 (0)

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Harvard University & Bill Gates – Mar 24, 2007

水自流 — Sat, 24 Mar 2007 02:37:21 +0000

在GeckoFly上看到Harvard University Degree for Bill Gates的文章，再到Harvard University的网站上看看，Bill Gates会在今年的6月7日对哈佛的毕业生们发表演说。Bill Gates，William (Bill) H. Gates，生于1955年10月28日。

本着锻炼一下的性质，翻译一下GeckoFly上的文章。

原文链接：Harvard University Degree for Bill Gates
原文作者：GeckoFly
中文翻译：水自流

这个世界上最富有的人――比尔·盖茨终于从哈佛大学获得学士学位，故事从他只在哈佛上了两年学就退学开始，原因是当时他要全身心的投入微软，很聪明的选择，但Sun公司的董事兼总裁斯科特·麦克尼利却说如果比尔·盖茨留在哈佛，他就不会惹上后来的那些官司，因为在101经济学课程中，他会学到垄断是什么。
哈佛大学宣布比尔·盖茨将会以主要演讲者的身份出席今年稍后举行的毕业典礼――他三十年都没有读完的学士学位。

原文链接：Facts About Bill Gates
原文作者：GeckoFly
中文翻译：水自流

因此我开始搜索一些关于这个家伙的资料，发现了这些有趣的信息，是关于比尔·盖茨如何富有的清单，想想盖茨确实是这个地球上最幸运的人。他拥有世界上最多的钱，为什么盖茨先生不注册他自己的域名www.billgates.com，现在我们知道为什么盖茨先生不如Google。一切尽在“电脑的国王”。
1. 比尔·盖茨每秒钟能够赚250美元，也就是每天2千万，每年78亿美元！
2. 如果他掉下一千美元，他都没有必要弯腰去捡起来，因为在弯腰的这4秒中他已经赚回来了。
3. 美国国债大概是5.62万亿美元，如果比尔·盖茨自己偿还，不超过10就可以付清。
4. 他可以给每个人15美元，不过还会剩下5百万。
5. 麦克尔·乔丹是美国最高薪酬的运动员。如果他不吃不喝，将他所有年收入大概3千万存起来，他需要存277年才能够和比尔·盖茨一样多钱。
6. 如果将比尔·盖茨比作一个国家，将会是地球上第三十七位富有的国家。
7. 如果你将比尔·盖茨的钱全部换成1美元，你可以将他们铺成14条同样长短的从地球到月球的路。不过你需要花1400年的不间断时间来完成，而且需要713袈波音747飞机来运送这些钱。
8. 比尔·盖茨今年40岁。我假定他活到75岁，要想他死去时花光所有的钱，他需要每天花费6百78万美元。
最后一个但不是最好的！
9. 如果微软视窗用户可以在每次由于微软视窗系统而造成死机要求赔款1美元，比尔·盖茨3年内就会破产。

还是需要金山词霸和Google Translate的帮助，这才是郁闷的地方。

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你的部落格题材怎么来的？ – Feb 01, 2007

水自流 — Thu, 01 Feb 2007 12:08:12 +0000

你的部落格题材怎么来的？
Darren Rowse

周末的时候我提议我的读者讨论如何为他们的部落格增加读者访问量，结果非常好（今天在Digg上面讨论的非常好－－我希望其中的有些技巧能够实在带来访问量）。

今天我再来开启一个新的话题：你是如何为你的部落格寻找话题的呢？

我希望能够看到所有人的意见（新博客、分类博客、商业博客等等）。

博客上的话题原型从那里来？
你用什么途径来获得它们？
你通常用什么资源来追踪它们（博客、网站、现实中）？
你是如何选择话题进行讨论以及放弃那些？

很希望能够看到你是如何保持部落格有趣、有用和独特内容的。这不是对或错的问题－－也不存在简单和高级的方法。

期待你的建议－－希望我们都能够在这个过程中学到一两招。

原文地址：How do you Find Stories for Your blog? – Open Mike

水自流：这是尝试翻译的第一篇部落格，就是今天Darren Rowse刚发布出来的。当然这个翻译没有经过他的允许，但是翻译的质量很差，就不用去通知他了，要不还要我带着金山词霸一个个单词的写一封信给他啊，那太麻烦了。以后，晚上没有事情就玩玩吧，这篇本来应该很简单的文章，可是结果出来了，还要very very very努力才行

差点忘了，是从风言疯语那里得知Darren Rowse和他的网站的。

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Chapter 2 What Is A Good Business Letter? – BUSINESS CORRESPONDENCE – Nov 10, 2006

水自流 — Fri, 10 Nov 2006 12:09:37 +0000

Note: This article doesn't have the right to copy from the author of Business Correspondence. I post this translation just for my own test skill.

Chapter 2 What Is A Good Business Letter?

第二章 何谓优秀的商业信函？

Business letters deal with so many subjects and are written in so many different circumstances that it seems impossible to answer this question with a strict definition applicable to all letters.

商业信函应用在不同的领域和许多不同的环境之中，对所有信函而言，严格定义之下很难回答这个问题。

Dealing with the question in a loose way, we may say, however, that a business letter is ‘good’ if the following conditions are met:

但是宽松地来处理这个问题，我们可以说，“优秀”的商业信函符合以下几点：

1) The letter indicates that the writer has a good grasp of his subject-matter.

1) 信函要显示写信人对他的主题有深刻了解。

2) The letter contains everything that needs to be said and nothing that needs to be omitted.

2) 信函应包括了所有需要提及的事情，没有罗嗦的言语。

3) The letter contains no mistakes of fact.

3) 信函没有错误事实。

4) The letter is written by someone who has a clear understanding of his purpose in writing the letter. In other words, the writer knows exactly what he wants to achieve by writing.

4) 写信人必须对写信的目的清晰明了，也就是他必须知道所要达到的目的。

5) The presentation of the message of the letter is clear. The reader sees without difficulty what the facts are and what he should think or do. Thus it is not enough for the writer to collect all the facts of the matter: in addition he has not done his work well, the reader will ask such questions as ‘What is the point of this letter?’, ‘Can they or can’t they supply me?’ or ‘Is it all right or isn’t it?’.

5) 信函内容的表达必须清楚。读者对事情的了解没有困难和明白写信人的意图。因此写信人只是罗列内容是不够的：如果没有写好，读者会问这样的问题：“这封信的重点是什么？”，“他们能还是不能提供？”或者“是否良好还是不是？”。

6) The tone of the letter is appropriate. The letter ‘rings true’.

6) 信函应有合适的语调。至少看起来真实。

7) The writer has considered the needs and the business situation of the reader. There is thus a greater chance that the reader will read the letter to the end with interest.

7) 写信人必须考虑读者的需求和经济环境。这样就能让读者带着兴趣通读整封信。

8) The writer is as positive, helpful and constructive as circumstances allow him to be. The reader sees that his business situation has been considered by the writer and he (the reader) responds to the message of the letter as favorably as circumstances allow him to respond. We cannot always do what the reader wants but we can always show him that his side of the business has been considered.

8) 写信人应该在环境允许范围之下显得主动、帮助和建设性的姿态。收信人能够得知他自己的情况已经被写信人考虑，回信也会在真实情况下的反应。我们并不能够每次都满足客户的需求，但是应该让客户得知我们已经考虑他所在的处境。

Having studied conditions that should be met if a business letter is to be a ‘good’ letter, we may ask ‘Can a letter be unsuccessful because of things over which the writer has no control, things for which he cannot be held responsible?’. The answer is certainly ‘Yes.’. Here are some reasons:

一封信是否是好的商业信函必须符合一些必要条件，我们可以问：“一封不成功的信是否是事情超出了写信人的控制范围，或者是不能够负责任？”答案当然是。下面是一些原因：

1) If the writer’s aim is to secure acceptance of an opinion or to persuade the reader to act, the facts of the matter may be so strongly against the writer that no argument presented by him will move the reader.

1) 如果写信人的目标是阐明观点或者是劝说收信人，实际的情况是与写信人愿望相反，就是他表现出来的不可商议。

2) Though the writer had made about the reader every inquiry that he was able to make, there is still a fact about the reader and his business, a fact unknown to the writer, that must be taken into account before a successful letter can be written. The writer has not got that fact and consequently his letter cannot be successful.

2) 尽管写信人能够回答收信人的疑问，但仍有一些关于收信人和其生意的情况，一些写信人不知道的情况，这些都是一封成功信函所应包含的。如果一封信不包括这些要点，那么就可以确定该信是不成功的。

3) The reader has omitted, intentionally or unintentionally, to put certain information before the writer. Without that information the writer cannot write a successful letter.

3) 收信人有意或无意的忽略一些重要情况。没有这些写信人就不能写出成功的信函。

4) Immediately after the writer has sent his letter the circumstances of the reader change in such a way that the letter becomes more or less inapplicable.

4) 就在写信人发出信函后，收信人的环境发生变化，这封信也就变得不太适用。

5) Because of circumstances unknown to the writer the reader has insufficient time in which to act on the letter.

5) 因为写信人不清楚具体情况，收信人没有足够的时间来处理信函。

6) There is, unforeseen by the writer, some lack of understanding on the part of the reader or some fear, bias, eccentricity or perverseness on his part of which the writer is not aware.

6) 还有，一些写信人无法预料的事情，比如收信人的不理解，或者恐惧、偏见、偏激和不正当等等。

Exercise 2-A

Below are two versions of a reply of an insurance company to a bank’s request for details of a life assurance. The policy is to be assigned to the bank.

下面是两封由保险公司应银行要求回复的生命保险信函范本。政策是由银行指派。

Compare the first version with the second and determine why the first is superior. Since the correspondence is routine correspondence between two financial organizations do you agree that a ‘complimentary’ or goodwill final paragraph is unnecessary?

比较两封信，考虑为什么第一封得体（第二封没有列出）。既然信件是两个财政机关之间的日常通信，你认为问候式或者最后的敬语是否不需要了？

Dear Sirs

Assurance on the Life of K.L.Poon

The information requested in your letter of 21 May is as follow:

Full name of life assured: Kenneth Lawrence Poon

Full name of assured: Kenneth Lawrence Poon

Number of policy: 2593480

Date of assurance: 14 January 1959

Class of assurance: Endowment assurance payable on 14 January 1997 or previous death

Sum assured: $150,000

Reversionary bonus allocated to date: $405,300

Present surrender value: $366,500

Assignments recorded: None

The premiums are paid up to date.

Yours faithfully

Exercise 2-B

Examine a series of letters, or at least a letter and the reply to it, and determine how successfully the writers have corresponded.

检查一些信件，或者至少一封信以及它的回信，看看是否符合好求。

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