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5虎
2022-11-16
This is helpful for customer
抱歉,原内容已删除
5虎
2022-10-19
活着用不掉,死了带不走
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5虎
2021-05-27
前段时间又说这不好那不好,跌的一塌糊涂
抱歉,原内容已删除
5虎
2021-02-05
$辉瑞(PFE)$
去年我2-3月买的,36 34 30都买过。然后就一直盼望疫苗利好推高股价。然后就是两个季度一共分红了15股。后来还spinoff了vtrs的股票。然后我就在12月底38卖了。后来涨到了42。我感觉从价值投资角度考虑,这个股票真是很省心的一头老黄牛。现在又到34了,我准备再买点了。
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margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n【异动】Beyond Meat涨超15%,将在加拿大推出素食汉堡\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time\">2021-05-27 22:02</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>5月27日,Beyond Meat盘初涨超15%,据悉,该公司今天宣布在加拿大推出首款6盒的素食汉堡Beyond Burger。另外,继此前与肯德基中国合作推出植世代牛肉芝士汉堡后,双方近日宣布进一步合作,推出以植物肉为原料的“植世代川辣嫩牛五方”,现已在全国28个城市的2600多家门店限量发售。</p><p><img src=\"https://static.tigerbbs.com/b41de918427e06cb213047167db3b65b\" tg-width=\"840\" tg-height=\"470\" referrerpolicy=\"no-referrer\"></p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/9f0d13697004dbe5c78bc59be1050d17","relate_stocks":{"BYND":"Beyond Meat, Inc."},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1115655920","content_text":"5月27日,Beyond Meat盘初涨超15%,据悉,该公司今天宣布在加拿大推出首款6盒的素食汉堡Beyond Burger。另外,继此前与肯德基中国合作推出植世代牛肉芝士汉堡后,双方近日宣布进一步合作,推出以植物肉为原料的“植世代川辣嫩牛五方”,现已在全国28个城市的2600多家门店限量发售。","news_type":1},"isVote":1,"tweetType":1,"viewCount":2021,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":667190335,"gmtCreate":1668606067328,"gmtModify":1668606069478,"author":{"id":"3502449252035807","authorId":"3502449252035807","name":"5虎","avatar":"https://static.tigerbbs.com/ea437d36dd4c721fba60c1ff8f83ac02","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3502449252035807","authorIdStr":"3502449252035807"},"themes":[],"htmlText":"This is helpful for customer ","listText":"This is helpful for customer ","text":"This is helpful for customer","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/667190335","repostId":"2281895986","repostType":2,"repost":{"id":"2281895986","kind":"highlight","pubTimestamp":1667832009,"share":"https://www.laohu8.com/m/news/2281895986?lang=&edition=full","pubTime":"2022-11-07 22:40","market":"sh","language":"en","title":"I've Been on 28 Cruises in 3 Years (4 Things You Need to Know)","url":"https://stock-news.laohu8.com/highlight/detail?id=2281895986","media":"TheStreet","summary":"My first cruise took place on Carnival Cruise Line's (CCL) Conquest a few months after my 46th bir","content":"<html><body><div><p>My first cruise took place on Carnival Cruise Line's <span> (<strong>CCL</strong>) </span> Conquest a few months after my 46th birthday. Now, three years later, I've become an avid cruiser who generally travels on Royal Caribbean <span> (<strong>RCL</strong>) </span> ships, although I have supplemented that with bookings on MSC and Virgin Voyages. </p><p>On that first trip, I instantly fell in love with being in a massive floating hotel where food and entertainment options were around every corner. Carnival Conquest is an older ship that's fairly mediocre compared to Carnival and Royal Caribbean's newer offerings, but it has pools, nighttime shows ranging from full-on productions to solo musicians, plenty of bars, and enough food choices to satisfy nearly everyone.</p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-4efd999362ec4daa95a2224f0716b028\",\"visClasses\":[\"not-size-b\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-0\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[320,50],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":320,\"height\":50},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"A\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"id\":\"ad-4efd999362ec4daa95a2224f0716b028\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>Cruising, however, isn't like a land vacation. If you make a mistake when you're booking, you're stuck with those choices once you get onboard. If, for example, you pick a hotel you don't like on a trip to Orlando's theme parks, you can simply move to another one. Make a mistake by picking the wrong cruise line, ship, or cabin, and you're likely stuck with those choices.</p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-46a16155b7df43b1af4e59db4b747ee1\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-c\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-0\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"D\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-46a16155b7df43b1af4e59db4b747ee1\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-a7ed4440e39743a5b35cf9ce3ef424e0\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-0\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"C\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-a7ed4440e39743a5b35cf9ce3ef424e0\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>My cruising experience has been mostly limited to the more value-based, family-friendly lines: Royal Caribbean, Carnival, and very recently, MSC. All three are somewhat comparable, but within each line you can have a very different experience based on the ship, and for some people, the room you book. Here's what you need to know before you book your cruise.</p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"970x90\"],\"classes\":[\"is-970x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-aff15ebc681a4cc49424a597bfeca96e\",\"visClasses\":[\"not-size-a\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-0\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],[970,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"width\":970,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"B\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"0\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-aff15ebc681a4cc49424a597bfeca96e\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-51823c225be8474c9cd1c4c9563277dd\",\"visClasses\":[\"not-size-b\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-1\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[320,50],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":320,\"height\":50},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"A\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"id\":\"ad-51823c225be8474c9cd1c4c9563277dd\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><div><figure itemscope=\"\" itemtype=\"http://schema.org/ImageObject\"><phoenix-picture><picture><source sizes=\"(min-width: 1240px) 700px, (min-width: 675px) 620px, calc(100vw - 40px)\" type=\"image/webp\"/><source sizes=\"(min-width: 1240px) 700px, (min-width: 675px) 620px, calc(100vw - 40px)\"/><img decoding=\"async\" height=\"1080\" itemprop=\"contentUrl url\" src=\"https://www.thestreet.com/.image/t_share/MTg4ODA4NjQwMzA2NjE5OTM2/wonder-of-the-seas.jpg\" srcset=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" width=\"1920\"/></picture><div><div><button><phoenix-icon-fallback icon=\"pinterest-pin-it\"><svg><use xlink:href=\"/assets-global/icons/svg-sprite.svg?v=2022-11-04-142237-2ca32ee-029769#pinterest-pin-it\"></use></svg></phoenix-icon-fallback></button></div></div></phoenix-picture><figcaption><p itemprop=\"author\"><span><a href=\"https://laohu8.com/S/TST\">TheStreet</a></span></p></figcaption></figure></div><h2>1. Pick the Right Cruise Ship </h2><p>On my first trip on Carnival's Conquest, I didn't get to pick the ship as I was traveling with a large group of family members celebrating a Bat Mitzvah. Since it was the first time I had ever been on a ship, I didn't notice what it was lacking.</p><p>Once I experienced a similar class of Royal Caribbean ship (a large, but not giant ship with capacity for 3-4,000 passengers) I began to learn what to look for when booking a ship. The differences were fairly subtle, but I started to notice them on my next few cruises on Independence of the Seas, followed by many on Navigator of the Seas.</p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-1d252c2b1b844a9dba72f8c29224c39b\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-c\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-1\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"D\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-1d252c2b1b844a9dba72f8c29224c39b\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-96e08c8326e045d08d61e14ca22b794e\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-1\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"C\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-96e08c8326e045d08d61e14ca22b794e\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>These two Royal Caribbean ships are a bit larger than Conquest and while they are technically different classes (Freedom and Explorer), they're pretty similar to each other. They do, however, have several differences that meant something to me:</p><ul><li>More specialty dining: Since I travel alone, I like to eat in a smaller, added-fee restaurant. Mid-tier Royal Caribbean ships have 3-5 of those while similar Carnival ships have one.</li><li>The pool deck: The number of pools matter as does the layout. In my case, I prefer the adults-only Solarium pool and hot tubs on Navigator to the non-descript adult pool on Conquest.</li><li>Consider entertainment: While bigger ships have more choices, Carnival and Royal Caribbean have different stock options. Most Carnival ships have a dedicated comedy club while Royal Caribbean only offers that on larger ships. In my case, I enjoy the Royal Caribbean Pub guitarists, which is something Carnival does not offer. </li></ul><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"970x90\"],\"classes\":[\"is-970x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-d58ed99e0d074bbc85b2ddfe10d23384\",\"visClasses\":[\"not-size-a\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-1\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],[970,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"width\":970,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"B\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"1\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-d58ed99e0d074bbc85b2ddfe10d23384\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-07e8b6dc333d485b93fc863079d9941f\",\"visClasses\":[\"not-size-b\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-2\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[320,50],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":320,\"height\":50},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"A\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"id\":\"ad-07e8b6dc333d485b93fc863079d9941f\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>Generally, bigger and newer ships offer many more options than smaller, older ones. If I'm sailing for 3-4 nights, I'm happy to be on a Freedom or Explorer Class (or even Conquest class, which is both the ship and class name). If I opt for a longer sailing, I prefer Royal Caribbean's Oasis class, which has the lovely Central Park outdoor area (a nice place to work in the early morning) and more restaurant choices than I can eat in over a week. Most Oasis-class ships also have an expanded Solarium with an amazing pool/hot tub/bar setup (Harmony of the Seas does not have a pool in its Solarium).</p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-b3bf9ffae3a9427abe7efe9e773c16c0\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-c\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-2\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"D\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-b3bf9ffae3a9427abe7efe9e773c16c0\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-93840db531db4935afde8eeb97c83d76\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-2\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"C\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-93840db531db4935afde8eeb97c83d76\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><h2>2. Your Cruise Ship Cabin Choice Mostly Doesn't Matter</h2><p>Now, if you're traveling with kids, or have special needs, this might not be true, but I find that the most important thing is getting on the ship, not which cabin you have. Cruise ship cabins are small but very efficient, with newer ships making very smart use of the space. </p><p>But, while I prefer a Central Park balcony near the Solarium, I'm perfectly fine with an interior cabin on a lower floor. Picking a cabin is about knowing what matters to you. Some people can't imagine not having a balcony while others are fine with just a window. In other cases, people want to be in the middle of the ship or near a certain venue. </p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"970x90\"],\"classes\":[\"is-970x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-6b3b33a8b5444bc3a6417c2369106e68\",\"visClasses\":[\"not-size-a\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-2\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],[970,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"width\":970,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"B\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"2\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-6b3b33a8b5444bc3a6417c2369106e68\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>In my case, as a solo traveler most of the time (my wife does not cruise and our son works now), I generally spend very little time in the room. If I have a choice I'll opt for a balcony but honestly, I very rarely use it because I prefer to be around people. </p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-79abe718696c4e9bbe03378b1073bf74\",\"visClasses\":[\"not-size-b\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-3\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[320,50],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":320,\"height\":50},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"A\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"id\":\"ad-79abe718696c4e9bbe03378b1073bf74\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>When booking a room, it's really the little things that matter. Some cabins, for example, have a full-size couch while others only offer a loveseat or even a chair. Those details are not always easy to find, but you can usually get those details by Googling the name of the ship and the cabin numbers before you book. </p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-5f2a204c93314a9f8d11c4e5733dcdfb\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-c\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-3\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"D\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-5f2a204c93314a9f8d11c4e5733dcdfb\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-a3c5f551ae724bec9eed2cb0545d259e\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-3\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"C\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-a3c5f551ae724bec9eed2cb0545d259e\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><h2>3. Is it About the Destinations or the Ship?</h2><p>I live in South Florida on the east coast. Most ships that sail from our three ports and do Caribbean stops like Nassau, Cozumel, and the various cruise line private islands. In my case, because I often work during the day while on a cruise, I'm not overly concerned with where we might stop as I rarely get off for more than an hour aside from when visiting a private island.</p><p>And while I'll never pass up a chance to visit Royal Caribbean's CocoCay and MSC has something truly special in its Ocean Cay island, I'd probably opt for a nicer/newer ship over an itinerary that stops at either one. </p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"970x90\"],\"classes\":[\"is-970x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-530d313316c34d64af6d5406cff89fc4\",\"visClasses\":[\"not-size-a\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-3\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],[970,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"width\":970,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"B\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"3\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-530d313316c34d64af6d5406cff89fc4\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>If you want the ship to be a home base for adventurous ports, that probably means booking a small (and likely older) ship because those ships can dock in more places. For people who consider the ports secondary, an Oasis or Odyssey class makes the most sense (Carnival's Mardi Gras and Celebration count as ships that can be considered destinations as well). </p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-e27cc91e374c424898d37c7e0ddfcc35\",\"visClasses\":[\"not-size-b\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-4\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[320,50],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":320,\"height\":50},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"A\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"id\":\"ad-e27cc91e374c424898d37c7e0ddfcc35\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>For people who have never been to common cruise stops like Nassau, Cozumel, or the various cruise line private islands, a mid-size ship may be the right choice. Royal Caribbean has nicer mid-tier ships than Carnival or MSC, and Mariner of the Seas out of Port Canaveral or Freedom of the Seas out of Miami sail basic 3-4 itineraries that are a good way to test whether you want a bigger ship or a cruise that's more about the destinations next time.</p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-2af328e1c93e4657be63653a2e2e9e3b\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-c\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-4\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"D\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-2af328e1c93e4657be63653a2e2e9e3b\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-f19e1c6c8e334cdeb12121a61fa491f1\",\"visClasses\":[\"not-size-a\",\"not-size-b\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-4\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"C\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-f19e1c6c8e334cdeb12121a61fa491f1\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><h2>4. Understand All the Extra Fees on a Cruise</h2><p>Usually, on the first day of any cruise, you see passengers -- sometimes a lot of them -- visibly surprised over what's not included in their cruise fare. This often happens at the pool bar when someone goes to get their first drink and realizes that alcoholic beverages (and sodas or bottled water) costs extra.</p><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"970x90\"],\"classes\":[\"is-970x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-78e1b6e0118341d48ccee9f529d6ac83\",\"visClasses\":[\"not-size-a\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-4\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[728,90],[970,90],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":728,\"height\":90},{\"width\":970,\"height\":90},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"B\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"4\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"list\"},\"id\":\"ad-78e1b6e0118341d48ccee9f529d6ac83\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>That's generally not the only surprise for people as many passengers board the ship without really understanding how cruises on Royal Caribbean, Carnival, and MSC work. There are, of course, exceptions -- MSC sells some cruise packages that include drinks and Wi-Fi -- but these are the things you will generally pay extra for (and should almost certainly book before you board the ship:</p><ul><li><strong>Drinks</strong>: You will pay a la carte prices for any beverage aside from basic tap water, coffee, tea, and some flavored waters. For many people, buying a drink package will save you money as sodas cost $3-4, bottled water is in that range, and alcohol can cost anywhere from $6 for a beer to $14 for a mixed drink.</li><li><strong>Wi-Fi</strong>: If you don't pay for Wi-Fi, you won't have a connection except while in some ports. Ship internet is generally fairly slow, and sometimes it's dreadful, but if you want to access the internet you will need to book a Wi-Fi package ($15-20 per day, per device).</li><li><strong>Specialty dining: </strong>You get access to a lot of dining options as part of your basic cruise fare, but every ship has specialty restaurants which will cost you extra.</li><li><strong>Gratuities: </strong>Unless you prepaid them, cruise lines add a daily gratuity charge per person, per day. Technically, you can opt-out of these fees by going to guest services, but most people should be prepared to pay these as they go to your waiters, room steward, and everyone else who takes care of you onboard. </li></ul><aside><div><phoenix-ad config='{\"adHtml\":\"\",\"adReloaderDelay\":0,\"maxAdReloads\":5,\"adReloaderSizeCodes\":null,\"adCloseButton\":false,\"classRules\":[{\"sizes\":[\"728x90\"],\"classes\":[\"is-728x90\"]},{\"sizes\":[\"0x0\"],\"classes\":[\"m-advertisement--fluid-card\"]}],\"localizedPhrases\":{\"advertisement_legend\":\"ADVERTISEMENT\",\"outstream_clickout\":\"Visit Website\",\"outstream_thanks\":\"Thanks for 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watching!\"},\"overrideOutstreamScript\":false,\"moduleClass\":\"m-in-content-ad\",\"slotId\":\"ad-e2e9384b5801412b90a217a7940e18d7\",\"visClasses\":[\"not-size-b\",\"not-size-c\",\"not-size-d\"],\"extraClasses\":null,\"zone\":\"in_content\",\"outstream\":false,\"adGroup\":\"in_content-5\",\"slotConfig\":{\"config\":{\"sizes\":[[300,250],[320,50],\"fluid\",[1,2]]},\"model\":{\"zone\":\"in_content\",\"index\":\"5\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"sizes\":[{\"width\":300,\"height\":250},{\"width\":320,\"height\":50},{\"name\":\"fluid\"},{\"width\":1,\"height\":2}],\"screenSizes\":[\"A\"],\"slotModel\":{\"zone\":\"in_content\",\"index\":\"5\",\"isOutstream\":false,\"deferLoad\":false,\"nativeCardType\":\"standard\"},\"id\":\"ad-e2e9384b5801412b90a217a7940e18d7\",\"adUnitPath\":\"/88059007/www.thestreet.com/travel\"},\"showBlockthrough\":true}'></phoenix-ad></div></aside><p>A cruise isn't all-inclusive unless you're willing to drink little more than water. That may work for some people, but most cruisers should do their homework before they get on board to understand what will cost extra. </p></div></body></html>","source":"thestreet_highlight","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>I've Been on 28 Cruises in 3 Years (4 Things You Need to Know)</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nI've Been on 28 Cruises in 3 Years (4 Things You Need to Know)\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-11-07 22:40 GMT+8 <a href=https://www.thestreet.com/travel/ive-been-on-28-cruises-in-3-years-4-things-you-need-to-know><strong>TheStreet</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>My first cruise took place on Carnival Cruise Line's (CCL) Conquest a few months after my 46th birthday. Now, three years later, I've become an avid cruiser who generally travels on Royal Caribbean ...</p>\n\n<a href=\"https://www.thestreet.com/travel/ive-been-on-28-cruises-in-3-years-4-things-you-need-to-know\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4566":"资本集团","RCL":"皇家加勒比邮轮","RCL.AU":"READCLOUD LTD","BK4142":"酒店、度假村与豪华游轮","CCL":"嘉年华邮轮","CCL.AU":"Cuscal Ltd","BK7016":"应用软件","BK4517":"邮轮概念"},"source_url":"https://www.thestreet.com/travel/ive-been-on-28-cruises-in-3-years-4-things-you-need-to-know","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2281895986","content_text":"My first cruise took place on Carnival Cruise Line's (CCL) Conquest a few months after my 46th birthday. Now, three years later, I've become an avid cruiser who generally travels on Royal Caribbean (RCL) ships, although I have supplemented that with bookings on MSC and Virgin Voyages. On that first trip, I instantly fell in love with being in a massive floating hotel where food and entertainment options were around every corner. Carnival Conquest is an older ship that's fairly mediocre compared to Carnival and Royal Caribbean's newer offerings, but it has pools, nighttime shows ranging from full-on productions to solo musicians, plenty of bars, and enough food choices to satisfy nearly everyone.Cruising, however, isn't like a land vacation. If you make a mistake when you're booking, you're stuck with those choices once you get onboard. If, for example, you pick a hotel you don't like on a trip to Orlando's theme parks, you can simply move to another one. Make a mistake by picking the wrong cruise line, ship, or cabin, and you're likely stuck with those choices.My cruising experience has been mostly limited to the more value-based, family-friendly lines: Royal Caribbean, Carnival, and very recently, MSC. All three are somewhat comparable, but within each line you can have a very different experience based on the ship, and for some people, the room you book. Here's what you need to know before you book your cruise.TheStreet1. Pick the Right Cruise Ship On my first trip on Carnival's Conquest, I didn't get to pick the ship as I was traveling with a large group of family members celebrating a Bat Mitzvah. Since it was the first time I had ever been on a ship, I didn't notice what it was lacking.Once I experienced a similar class of Royal Caribbean ship (a large, but not giant ship with capacity for 3-4,000 passengers) I began to learn what to look for when booking a ship. The differences were fairly subtle, but I started to notice them on my next few cruises on Independence of the Seas, followed by many on Navigator of the Seas.These two Royal Caribbean ships are a bit larger than Conquest and while they are technically different classes (Freedom and Explorer), they're pretty similar to each other. They do, however, have several differences that meant something to me:More specialty dining: Since I travel alone, I like to eat in a smaller, added-fee restaurant. Mid-tier Royal Caribbean ships have 3-5 of those while similar Carnival ships have one.The pool deck: The number of pools matter as does the layout. In my case, I prefer the adults-only Solarium pool and hot tubs on Navigator to the non-descript adult pool on Conquest.Consider entertainment: While bigger ships have more choices, Carnival and Royal Caribbean have different stock options. Most Carnival ships have a dedicated comedy club while Royal Caribbean only offers that on larger ships. In my case, I enjoy the Royal Caribbean Pub guitarists, which is something Carnival does not offer. Generally, bigger and newer ships offer many more options than smaller, older ones. If I'm sailing for 3-4 nights, I'm happy to be on a Freedom or Explorer Class (or even Conquest class, which is both the ship and class name). If I opt for a longer sailing, I prefer Royal Caribbean's Oasis class, which has the lovely Central Park outdoor area (a nice place to work in the early morning) and more restaurant choices than I can eat in over a week. Most Oasis-class ships also have an expanded Solarium with an amazing pool/hot tub/bar setup (Harmony of the Seas does not have a pool in its Solarium).2. Your Cruise Ship Cabin Choice Mostly Doesn't MatterNow, if you're traveling with kids, or have special needs, this might not be true, but I find that the most important thing is getting on the ship, not which cabin you have. Cruise ship cabins are small but very efficient, with newer ships making very smart use of the space. But, while I prefer a Central Park balcony near the Solarium, I'm perfectly fine with an interior cabin on a lower floor. Picking a cabin is about knowing what matters to you. Some people can't imagine not having a balcony while others are fine with just a window. In other cases, people want to be in the middle of the ship or near a certain venue. In my case, as a solo traveler most of the time (my wife does not cruise and our son works now), I generally spend very little time in the room. If I have a choice I'll opt for a balcony but honestly, I very rarely use it because I prefer to be around people. When booking a room, it's really the little things that matter. Some cabins, for example, have a full-size couch while others only offer a loveseat or even a chair. Those details are not always easy to find, but you can usually get those details by Googling the name of the ship and the cabin numbers before you book. 3. Is it About the Destinations or the Ship?I live in South Florida on the east coast. Most ships that sail from our three ports and do Caribbean stops like Nassau, Cozumel, and the various cruise line private islands. In my case, because I often work during the day while on a cruise, I'm not overly concerned with where we might stop as I rarely get off for more than an hour aside from when visiting a private island.And while I'll never pass up a chance to visit Royal Caribbean's CocoCay and MSC has something truly special in its Ocean Cay island, I'd probably opt for a nicer/newer ship over an itinerary that stops at either one. If you want the ship to be a home base for adventurous ports, that probably means booking a small (and likely older) ship because those ships can dock in more places. For people who consider the ports secondary, an Oasis or Odyssey class makes the most sense (Carnival's Mardi Gras and Celebration count as ships that can be considered destinations as well). For people who have never been to common cruise stops like Nassau, Cozumel, or the various cruise line private islands, a mid-size ship may be the right choice. Royal Caribbean has nicer mid-tier ships than Carnival or MSC, and Mariner of the Seas out of Port Canaveral or Freedom of the Seas out of Miami sail basic 3-4 itineraries that are a good way to test whether you want a bigger ship or a cruise that's more about the destinations next time.4. Understand All the Extra Fees on a CruiseUsually, on the first day of any cruise, you see passengers -- sometimes a lot of them -- visibly surprised over what's not included in their cruise fare. This often happens at the pool bar when someone goes to get their first drink and realizes that alcoholic beverages (and sodas or bottled water) costs extra.That's generally not the only surprise for people as many passengers board the ship without really understanding how cruises on Royal Caribbean, Carnival, and MSC work. There are, of course, exceptions -- MSC sells some cruise packages that include drinks and Wi-Fi -- but these are the things you will generally pay extra for (and should almost certainly book before you board the ship:Drinks: You will pay a la carte prices for any beverage aside from basic tap water, coffee, tea, and some flavored waters. For many people, buying a drink package will save you money as sodas cost $3-4, bottled water is in that range, and alcohol can cost anywhere from $6 for a beer to $14 for a mixed drink.Wi-Fi: If you don't pay for Wi-Fi, you won't have a connection except while in some ports. Ship internet is generally fairly slow, and sometimes it's dreadful, but if you want to access the internet you will need to book a Wi-Fi package ($15-20 per day, per device).Specialty dining: You get access to a lot of dining options as part of your basic cruise fare, but every ship has specialty restaurants which will cost you extra.Gratuities: Unless you prepaid them, cruise lines add a daily gratuity charge per person, per day. Technically, you can opt-out of these fees by going to guest services, but most people should be prepared to pay these as they go to your waiters, room steward, and everyone else who takes care of you onboard. A cruise isn't all-inclusive unless you're willing to drink little more than water. That may work for some people, but most cruisers should do their homework before they get on board to understand what will cost extra.","news_type":1},"isVote":1,"tweetType":1,"viewCount":357,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":662948964,"gmtCreate":1666163278958,"gmtModify":1666165126611,"author":{"id":"3502449252035807","authorId":"3502449252035807","name":"5虎","avatar":"https://static.tigerbbs.com/ea437d36dd4c721fba60c1ff8f83ac02","crmLevel":5,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3502449252035807","authorIdStr":"3502449252035807"},"themes":[],"htmlText":"活着用不掉,死了带不走","listText":"活着用不掉,死了带不走","text":"活着用不掉,死了带不走","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/662948964","repostId":"1167893448","repostType":4,"repost":{"id":"1167893448","kind":"news","pubTimestamp":1666154112,"share":"https://www.laohu8.com/m/news/1167893448?lang=&edition=full","pubTime":"2022-10-19 12:35","market":"us","language":"zh","title":"揭秘超级富豪们是如何做慈善的?","url":"https://stock-news.laohu8.com/highlight/detail?id=1167893448","media":"家办新智点","summary":"富豪们做慈善,喜欢什么,不喜欢什么无论是海外的比尔·盖茨、巴菲特、埃隆·马斯克、扎克伯格,还是国内的曹德旺,我们发现许多企业家在致力于发展自己原本的生意的同时,也倾心于各种慈善事业。根据一项新的研究,","content":"<html><head></head><body><blockquote>富豪们做慈善,喜欢什么,不喜欢什么</blockquote><p>无论是海外的比尔·盖茨、巴菲特、埃隆·马斯克、扎克伯格,还是国内的曹德旺,我们发现许多企业家在致力于发展自己原本的生意的同时,也倾心于各种慈善事业。</p><p>根据一项新的研究,超高净值 (UHNW) 慈善家在其一生中捐赠2500 万美元,占其净资产的10%以上。</p><p>为什么富豪们都热衷于慈善事业?背后的原因和动力是什么?他们又会通过什么途径去做慈善?</p><p>今天,《家办新智点》带你走进亿万富翁的慈善世界。</p><p><b>01 为什么富人热衷于做慈善?</b></p><p>2008-2009年全球金融危机之后,沃伦·巴菲特和比尔及梅琳达·盖茨在一小群富有的捐助者之间组织了多次非正式会议,以探索推动亿万富翁同胞增加慈善投资的最佳方式。</p><p>最后,他们达成了共识并承诺,邀请亿万富翁“在生前或死后将至少一半的财富捐给慈善机构”。截至2021年3月,已有220位亿万富翁签署了该项捐赠承诺。</p><p><img src=\"https://static.tigerbbs.com/ecffeab8d0bea5dcc53b9c1c52e3dd06\" tg-width=\"540\" tg-height=\"365\" referrerpolicy=\"no-referrer\"/></p><p>在2020年福布斯上榜的美国亿万富翁人群中,前10位亿万富翁中有4位(巴菲特、<a href=\"https://laohu8.com/S/ORCL\">甲骨文</a>创始人拉里·埃里森、比尔·盖茨和扎克伯格),前74位中有18.5%加入了捐赠誓言。这些加入捐赠誓言的成员控制着超过1万亿美元的资产。</p><p><img src=\"https://static.tigerbbs.com/995ca6d9ba41a983f8d1b6c92f6350d8\" tg-width=\"726\" tg-height=\"402\" referrerpolicy=\"no-referrer\"/></p><p>2021年向慈善机构捐赠最多的美国人</p><p>过去二十余年,私人慈善事业在国际社会发挥着越来越重要的作用。在全球26万个慈善基金会中,有近四分之三成立于那个时期。其中最大的捐赠者在美国,英国位居第二。仅盖茨基金会在2018年就捐赠了50亿英镑,超过了绝大多数国家的对外援助预算。</p><p>富豪们之所以爱慈善,有几点原因:</p><p><b>第一,他们将慈善捐赠的税收减免作为其捐赠决定背后的激励因素</b>,而匹配的资助计划则被视为对个人捐赠的激励。</p><p><b>第二,有些富豪担心给子女留下过多的遗产,其中一半人认为慈善是解决这个问题的有效办法。</b>而慈善事业在养育子女方面发挥着重要作用,它能让家族价值观落地,并创造一种超越金钱的家族遗产。</p><p>尤其对于父母和祖父母来说,家族慈善是连接现在和未来最有吸引力的方式之一。家族慈善可以在此时此地与亲人分享有意义的经历,同时为子孙后代建立捐赠遗产。“我的父母教会了我商业和企业家精神,以及给予和照顾穷人和被边缘化的人的责任,”南非矿业亿万富翁商人Patrice Tlhopane Motsepe说。</p><p><b>第三,他们想要有所作为。</b>亿万富翁Roland E. Arnall(ACC Capital Holdings的持有者,Ameriquest母公司,该公司曾经是美国最大的次级抵押贷款机构之一)曾说,“拥有积累财富的能力和机会的人,除了财富之外,还应该利用自己的技能来解决世界的问题。”</p><p><b>第四,感恩和回馈社会的心理。</b>许多慈善捐赠者认为,通过其所拥有的才能和资源来改善人类状况是他们的责任。“美国的自由企业制度使我们获得了超乎想象的成功。我们相信这与改善他人生活的回报义务是相伴随的。”美国亿万富翁、Baupost Group CEO Seth Andrew Klarman称。</p><p><b>第五,慈善有助于实现自我价值,获得个人满足感。</b>个人慈善回报包括情感和心理上的满足感。这些富豪会将慈善事业视为一种令人满意的活动,有时比赚取财富更令人愉快。“我从帮助别人中获得了极大的乐趣。这就是让我的生活值得过的原因”。美国亿万富翁、对冲基金管理公司Pershing Square Capital Management创始人兼CEO William Albert Ackman表示。</p><p><b>第六,道德意识。</b>一些慈善捐赠者认为自己只是财富的管家,而不是拥有者。他们会明确质疑财富分配的不平等,认为应该在活着的时候将自己的财富分配出去。</p><p><b>第七,对过剩财富的最佳利用。</b>在印度裔美国亿万富翁商人和慈善家Manoj Bhargava看来,“为他人服务似乎是财富使用的唯一明智选择。其他的选择,尤其是个人消费,似乎不是无用就是有害。”</p><p>尤其是那些白手起家的富豪,可能认为留下一大笔财富给子女,会不利于孩子的成长。他们认为,自己的孩子也应该像自己一样,经历从不太富裕到富有的经历。</p><p><b>第八,受宗教教义影响。</b>“除了关心我们自己的社区,犹太人的传统教导我们,我们有尊重和关心所有人的庄严责任。迈蒙尼德说过,一个人应该以derekh eretz(礼貌和人道)和hesed(仁慈和善良)对待每一个人。”美国亿万富翁慈善家林恩·舒斯特曼表示。</p><p><b>02 为什么富人热衷于做慈善?</b></p><p>在富豪们最喜欢的慈善事业领域为教育、社区和经济发展、健康,其他则包括政治、民事和人权、艺术和文化、环境/保护和气候变化。</p><p><img src=\"https://static.tigerbbs.com/7c009be5ea58870a7f7a7dddec3023c2\" tg-width=\"497\" tg-height=\"735\" referrerpolicy=\"no-referrer\"/></p><p>富豪们关注的慈善领域</p><p><b>其中,教育是富豪们尤其喜欢捐款的领域。</b>他们喜欢捐款给自己曾经就读的大学和学校。截至2017年,超过三分之二的英国富翁捐款(约有47.9 亿英镑)用于高等教育,其中一半流向了两所大学:牛津大学和剑桥大学。同一个十年里,英国的富翁们为艺术捐赠了10.4 亿英镑,用于扶贫的只有 2.22亿英镑。</p><p><img src=\"https://static.tigerbbs.com/ff318b7e4e472ca930fe46bf78ec382e\" tg-width=\"241\" tg-height=\"425\" referrerpolicy=\"no-referrer\"/></p><p>按捐款区域划分,富豪们喜欢捐赠的领域</p><p>美国也有着类似的情况。在超过100万美元的捐款中,约62%捐给了大学,这些捐赠旨在为精英提供更好的院校,只有12%的大额捐款用于与健康相关的慈善机构和医院。其中,在与健康相关的捐款中,有许多钱并没有用于治疗影响穷人的最紧迫疾病,如疟疾,而是用于治疗影响富人的疾病,如癌症。</p><p><b>在中国,富豪们也乐于向自己的母校捐款。</b>2017年6月,刘强东向母校中国人民大学捐款3亿元,同时设立中国人民大学<a href=\"https://laohu8.com/S/JD\">京东</a>基金。张一鸣也在2020年向母校龙岩永定一中捐款1000万元,并在2021年向家乡福建龙岩捐赠5亿元,成立教育发展基金会。</p><p><b>03 富豪做慈善的7种方式直接向第三方慈善机构捐赠</b></p><p>据一份报告显示,2015年,约有91.0%的富裕家族向慈善机构捐款,2017年为 89.6%,2020年为88.1%。另据2021年<a href=\"https://laohu8.com/S/BAC\">美国银行</a>慈善研究,富人在2020年平均向慈善机构捐赠约4.3万美元,比2017年约2.9万美元增加了48%。</p><p>很多富豪们都喜欢直接向慈善机构捐款。譬如,能源和管道公司Kinder Morgan Inc.的联合创始人兼执行董事长Richard Kinder曾向大休斯顿联合慈善协会捐赠了100万美元。</p><p><b>股权捐赠</b></p><p>越来越多的富豪选择通过股权捐赠的方式来做慈善。其中,股权捐赠分为几种情况(不完全统计):</p><p><b>第一,将股权捐给自己的私人慈善基金。</b></p><p>根据2021年6月的一份文件,王兴公司曾向自己的私人慈善基金会转让了5730万股股票,这大约是这位亿万富翁所持该公司股份的十分之一,股票价值约为 22.7亿美元。</p><p><b>第二,将股权捐赠给第三方基金会。</b></p><p>2022年,刘强东向慈善机构捐赠约6240万股京东B类普通股,价值约23.4亿美元,但未具体说明接受捐赠的第三方基金会。</p><p>沃伦·巴菲特继续成为榜单上最慷慨的捐赠者,他在2022年6月捐赠了约40亿美元的<a href=\"https://laohu8.com/S/BRK.A\">伯克希尔</a>·哈撒韦公司B类股票,约1440万股。按最新收盘价,这笔捐赠价值约40亿美元。该笔资金承诺捐给比尔和梅琳达·盖茨基金会信托基金、苏珊·汤普森·巴菲特基金会以及巴菲特三个孩子成立的舍伍德基金会、霍华德·巴菲特基金会和诺沃基金会。</p><p>其中,1100万给比尔和梅琳达·盖茨基金会,110万股以巴菲特已故第一任妻子命名的苏珊·汤普森·巴菲特基金会,另外77万股股票给巴菲特三个孩子成立的基金会。</p><p>除此之外,亿万富翁零售商Yvon Chouinard也将时装公司Patagonia的股权捐赠给了一家慈善机构。只不过Yvon Chouinard捐赠股权的方式有点特别。</p><p>Yvon Chouinard本来是想将Patagonia出售的,但最终决定放弃。拥有该公司的Chouinard家族决定另辟蹊径,该公司现已转移到两个独立的实体。其中,Patagonia Purpose Trust仍将是控股股东,但仅拥有总股份的2%。</p><p>其余98%的股票归于一家慈善机构Holdfast Collective旗下,这是一家致力于拯救环境的美国慈善机构。这98%的股票将是无投票权的股票,并且每年对公司进行再投资后剩下的利润将用于与气候作斗争的不同组织。在此之前,Patagonia已将每年利润的1%捐赠给可持续社区和草根活动家。</p><p>“(慈善的钱)资金将来自Patagonia。每年,我们在业务再投资后赚到的钱将作为股息分配,以帮助应对危机。”Yvon Chouinard补充说。</p><p><b>第三,将股权转让到家族基金会/信托机构中,使企业成为一家非盈利机构。</b></p><p>汉斯·威尔斯多夫基金会,是劳力士品牌创始人汉斯·威尔斯多夫在1945年成立的基金会。他将所有的劳力士股份转让到了该基金会中,劳力士的很大一部分利润作为捐款返还给慈善机构,并捐赠给慈善事业。</p><p>威尔斯多夫于1960年去世。从那时起,汉斯·威尔斯多夫基金会就拥有并经营着这家公司。除支付员工工资外,因劳力士其余利润都捐给了慈善机构,因此被称为非盈利企业。</p><p>除劳力士外,德国的罗伯特·博世家族也是这样处理家族企业博世的。1942年,创始人罗伯特·博世去世时,博世仍然是一家公司(罗伯特博世有限公司)。然而,他在最后的遗嘱中规定,公司的收益应分配给慈善事业。在他的遗嘱中,他还避开了博世公司章程的大纲。</p><p>1964年,经过多年审议,遗嘱执行人找到了一种将罗伯特·博世的遗嘱与博世商业目标相协调的方法。他们创建了罗伯特·博世基金会,并将博世92%的股份转让给该基金会,但没有投票权。</p><p>而拥有投票权 (93%) 的股权则转让给了由博世高管、行业专家和博世家族代表组成的信托机构 Robert Bosch Industrietreuhand KG,其中博世家族持有 7%的股份(及投票权)。</p><p>根据罗伯特·博世的遗嘱,该基金会一直在利用其收入资助“健康、教育、培训、支持天才儿童、国际和解等”事业,包括赠款和通过其医疗保健和研究直接投资的形式中心,而信托一直在将大部分利润再投资于业务。</p><p><b>成立私人/家族慈善基金会/慈善基金会</b></p><p>许多富豪都拥有自己的私人慈善基金会或家族慈善基金会,并通过这些基金会进行相关慈善活动,如桥水基金创始人成立了达利欧慈善基金会、北京达利欧慈善基金会;香港巨富包玉刚家族成立了苏海文远东基金会、苏海文-中国奥地利社会促进基金会、包玉刚国际学者科学基金会等;<a href=\"https://laohu8.com/S/SBUX\">星巴克</a>创始人舒尔茨创立了舒尔茨家族基金会等;马斯克的马斯克基金会;比尔盖茨的基金会等。</p><p><b>通过家族办公室做慈善事业</b></p><p>截至2019年,在全球范围内,约有71%的家办参与慈善事业,平均每年捐赠640万美元。2022年,在亚太地区,约有90%的家办参与慈善事业,在12个月内平均每个家办捐出了400万美元。</p><p><b>直接捐款给社区/组织/个人</b></p><p><a href=\"https://laohu8.com/S/AMZN\">亚马逊</a>创始人杰夫·贝索斯曾向史密森尼学会、CNN 撰稿人范琼斯和西班牙厨师,也是世界中央厨房的创始人何塞·安德烈斯捐赠了4 亿美元。私人空军德拉肯国际创始人贾里德·艾萨克曼和其妻子个人向圣裘德儿童研究医院捐赠了1.25 亿美元。</p><p>另杰夫·贝佐斯的前妻麦肯齐·斯科特在2020年12月中旬宣布,继4个月前捐款17亿美元给116个机构后,再次捐款42亿美元给384个机构,并表示这是她决定将大部分个人资产捐献给公众计划的一部分。2022年,麦肯齐又给一个叫“全美男孩女孩俱乐部”的机构捐款2.81亿美元。</p><p><b>通过企业捐赠</b></p><p>譬如,比尔·盖茨的前妻梅琳达通过她的投资和孵化公司Pivotal Ventures独立捐赠了她的部分财富。</p><p><b>通过个人退休账户捐款</b></p><p>有许多富豪会通过自己的个人退休账户来捐款。通过个人退休账户捐赠是一种有效的方式,由于它能提供税收优惠,也越来越受欢迎。</p><p>除此之外,富人做慈善的方式还包括通过广泛的角色和职责(包括董事会成员和志愿者)实践参与;向捐赠者的个人捐赠账户提供市场利率、可抵税的捐款等。</p><p><b>04 下一代的慈善事业之路</b></p><p>千禧一代卡里·图纳和她的丈夫Facebook联合创始人达斯汀·莫斯科维茨于2011年共同创立了Good Ventures,这对年轻的硅谷亿万富翁开创了慈善事业的新方法。</p><p>美国人传统上将捐款集中在家庭附近的学校、教堂和文化中心等组织上。但随着社交网络的兴起,将世界各地的人们瞬间联系起来,许多千禧一代对慈善有了更广泛的看法。</p><p>此前,卡里·图纳是《华尔街日报》的记者,她报道了一系列主题,包括企业管理、加州经济和企业技术。如今,他们正在寻求超出所在社区的慈善和经验。</p><p>经过三年的数百次采访和旅行,从布鲁金斯学会等华盛顿智库到缅甸和肯尼亚农村的诊所,他们最后把自己的兴趣集中在四大方面:美国政策、全球灾难性风险、国际援助和科学。</p><p><b>如今,千禧一代和Z世代正在重塑慈善事业,开创了一个捐赠的新时代。</b>支付应用Zelle的一份报告发现,自新冠疫情大流行以来,近75%的千禧一代向家人、朋友或非营利组织提供了经济支持,这是接受调查的所有一代人中比例最高的。</p><p>据成立于2002年的洛克菲勒洛克菲勒慈善顾问公司(非盈利组织)所发布的2022年一份慈善报告显示,大多数家族主导的基金会的领导者第二代占54%,第一代占33%,第三代占38%,第四代及之后的占12%。</p><p><img src=\"https://static.tigerbbs.com/049dbe9f65d9be00e3c828d504f81c6b\" tg-width=\"512\" tg-height=\"565\" referrerpolicy=\"no-referrer\"/></p><p>年轻的捐助者希望能亲自参与慈善事业或参与他们所支持的组织。这些新一代慈善家并不总是满足于每年向他们没有参与的事业反复捐款,更倾向于将慈善事业融入生活的方方面面。</p><p>据一份报告显示,出生于1980-2000年之间千禧一代的90%受访者表示,他们更有动力在一个紧迫的使命下进行捐赠,如果他们不信任一个组织,他们就会停止捐赠。</p><p>根据《2021慈善事业的未来》报告,39%的千禧一代捐赠者曾使用GoFundMe等在线捐赠平台进行捐赠,24%的捐赠者是在社交媒体上了解某项事业后捐赠的。</p><p>此外,千禧一代更希望看到他们参与慈善事业的直接影响。下一代捐赠者在尊重家族慈善遗产的同时,也渴望在世界上留下自己独特的印记。他们想要靠自己来使慈善事业变得更有影响力、更有参与感。</p></body></html>","source":"lsy1626839695204","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>揭秘超级富豪们是如何做慈善的?</title>\n<style 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}\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n揭秘超级富豪们是如何做慈善的?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-10-19 12:35 北京时间 <a href=https://mp.weixin.qq.com/s?__biz=Mzg5MDU1OTIzMg==&mid=2247490855&idx=1&sn=383894741bbc674dd90b6a54eee22196&chksm=cfdb9348f8ac1a5e52621b3ea1e72cabf3199158e78092d3b863f3f44e7900017ed769a24770#rd><strong>家办新智点</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>富豪们做慈善,喜欢什么,不喜欢什么无论是海外的比尔·盖茨、巴菲特、埃隆·马斯克、扎克伯格,还是国内的曹德旺,我们发现许多企业家在致力于发展自己原本的生意的同时,也倾心于各种慈善事业。根据一项新的研究,超高净值 (UHNW) 慈善家在其一生中捐赠2500 万美元,占其净资产的10%以上。为什么富豪们都热衷于慈善事业?背后的原因和动力是什么?他们又会通过什么途径去做慈善?今天,《家办新智点》带你走进...</p>\n\n<a href=\"https://mp.weixin.qq.com/s?__biz=Mzg5MDU1OTIzMg==&mid=2247490855&idx=1&sn=383894741bbc674dd90b6a54eee22196&chksm=cfdb9348f8ac1a5e52621b3ea1e72cabf3199158e78092d3b863f3f44e7900017ed769a24770#rd\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/36cbb5927affdfe9097a43e43487fbb4","relate_stocks":{},"source_url":"https://mp.weixin.qq.com/s?__biz=Mzg5MDU1OTIzMg==&mid=2247490855&idx=1&sn=383894741bbc674dd90b6a54eee22196&chksm=cfdb9348f8ac1a5e52621b3ea1e72cabf3199158e78092d3b863f3f44e7900017ed769a24770#rd","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1167893448","content_text":"富豪们做慈善,喜欢什么,不喜欢什么无论是海外的比尔·盖茨、巴菲特、埃隆·马斯克、扎克伯格,还是国内的曹德旺,我们发现许多企业家在致力于发展自己原本的生意的同时,也倾心于各种慈善事业。根据一项新的研究,超高净值 (UHNW) 慈善家在其一生中捐赠2500 万美元,占其净资产的10%以上。为什么富豪们都热衷于慈善事业?背后的原因和动力是什么?他们又会通过什么途径去做慈善?今天,《家办新智点》带你走进亿万富翁的慈善世界。01 为什么富人热衷于做慈善?2008-2009年全球金融危机之后,沃伦·巴菲特和比尔及梅琳达·盖茨在一小群富有的捐助者之间组织了多次非正式会议,以探索推动亿万富翁同胞增加慈善投资的最佳方式。最后,他们达成了共识并承诺,邀请亿万富翁“在生前或死后将至少一半的财富捐给慈善机构”。截至2021年3月,已有220位亿万富翁签署了该项捐赠承诺。在2020年福布斯上榜的美国亿万富翁人群中,前10位亿万富翁中有4位(巴菲特、甲骨文创始人拉里·埃里森、比尔·盖茨和扎克伯格),前74位中有18.5%加入了捐赠誓言。这些加入捐赠誓言的成员控制着超过1万亿美元的资产。2021年向慈善机构捐赠最多的美国人过去二十余年,私人慈善事业在国际社会发挥着越来越重要的作用。在全球26万个慈善基金会中,有近四分之三成立于那个时期。其中最大的捐赠者在美国,英国位居第二。仅盖茨基金会在2018年就捐赠了50亿英镑,超过了绝大多数国家的对外援助预算。富豪们之所以爱慈善,有几点原因:第一,他们将慈善捐赠的税收减免作为其捐赠决定背后的激励因素,而匹配的资助计划则被视为对个人捐赠的激励。第二,有些富豪担心给子女留下过多的遗产,其中一半人认为慈善是解决这个问题的有效办法。而慈善事业在养育子女方面发挥着重要作用,它能让家族价值观落地,并创造一种超越金钱的家族遗产。尤其对于父母和祖父母来说,家族慈善是连接现在和未来最有吸引力的方式之一。家族慈善可以在此时此地与亲人分享有意义的经历,同时为子孙后代建立捐赠遗产。“我的父母教会了我商业和企业家精神,以及给予和照顾穷人和被边缘化的人的责任,”南非矿业亿万富翁商人Patrice Tlhopane Motsepe说。第三,他们想要有所作为。亿万富翁Roland E. Arnall(ACC Capital Holdings的持有者,Ameriquest母公司,该公司曾经是美国最大的次级抵押贷款机构之一)曾说,“拥有积累财富的能力和机会的人,除了财富之外,还应该利用自己的技能来解决世界的问题。”第四,感恩和回馈社会的心理。许多慈善捐赠者认为,通过其所拥有的才能和资源来改善人类状况是他们的责任。“美国的自由企业制度使我们获得了超乎想象的成功。我们相信这与改善他人生活的回报义务是相伴随的。”美国亿万富翁、Baupost Group CEO Seth Andrew Klarman称。第五,慈善有助于实现自我价值,获得个人满足感。个人慈善回报包括情感和心理上的满足感。这些富豪会将慈善事业视为一种令人满意的活动,有时比赚取财富更令人愉快。“我从帮助别人中获得了极大的乐趣。这就是让我的生活值得过的原因”。美国亿万富翁、对冲基金管理公司Pershing Square Capital Management创始人兼CEO William Albert Ackman表示。第六,道德意识。一些慈善捐赠者认为自己只是财富的管家,而不是拥有者。他们会明确质疑财富分配的不平等,认为应该在活着的时候将自己的财富分配出去。第七,对过剩财富的最佳利用。在印度裔美国亿万富翁商人和慈善家Manoj Bhargava看来,“为他人服务似乎是财富使用的唯一明智选择。其他的选择,尤其是个人消费,似乎不是无用就是有害。”尤其是那些白手起家的富豪,可能认为留下一大笔财富给子女,会不利于孩子的成长。他们认为,自己的孩子也应该像自己一样,经历从不太富裕到富有的经历。第八,受宗教教义影响。“除了关心我们自己的社区,犹太人的传统教导我们,我们有尊重和关心所有人的庄严责任。迈蒙尼德说过,一个人应该以derekh eretz(礼貌和人道)和hesed(仁慈和善良)对待每一个人。”美国亿万富翁慈善家林恩·舒斯特曼表示。02 为什么富人热衷于做慈善?在富豪们最喜欢的慈善事业领域为教育、社区和经济发展、健康,其他则包括政治、民事和人权、艺术和文化、环境/保护和气候变化。富豪们关注的慈善领域其中,教育是富豪们尤其喜欢捐款的领域。他们喜欢捐款给自己曾经就读的大学和学校。截至2017年,超过三分之二的英国富翁捐款(约有47.9 亿英镑)用于高等教育,其中一半流向了两所大学:牛津大学和剑桥大学。同一个十年里,英国的富翁们为艺术捐赠了10.4 亿英镑,用于扶贫的只有 2.22亿英镑。按捐款区域划分,富豪们喜欢捐赠的领域美国也有着类似的情况。在超过100万美元的捐款中,约62%捐给了大学,这些捐赠旨在为精英提供更好的院校,只有12%的大额捐款用于与健康相关的慈善机构和医院。其中,在与健康相关的捐款中,有许多钱并没有用于治疗影响穷人的最紧迫疾病,如疟疾,而是用于治疗影响富人的疾病,如癌症。在中国,富豪们也乐于向自己的母校捐款。2017年6月,刘强东向母校中国人民大学捐款3亿元,同时设立中国人民大学京东基金。张一鸣也在2020年向母校龙岩永定一中捐款1000万元,并在2021年向家乡福建龙岩捐赠5亿元,成立教育发展基金会。03 富豪做慈善的7种方式直接向第三方慈善机构捐赠据一份报告显示,2015年,约有91.0%的富裕家族向慈善机构捐款,2017年为 89.6%,2020年为88.1%。另据2021年美国银行慈善研究,富人在2020年平均向慈善机构捐赠约4.3万美元,比2017年约2.9万美元增加了48%。很多富豪们都喜欢直接向慈善机构捐款。譬如,能源和管道公司Kinder Morgan Inc.的联合创始人兼执行董事长Richard Kinder曾向大休斯顿联合慈善协会捐赠了100万美元。股权捐赠越来越多的富豪选择通过股权捐赠的方式来做慈善。其中,股权捐赠分为几种情况(不完全统计):第一,将股权捐给自己的私人慈善基金。根据2021年6月的一份文件,王兴公司曾向自己的私人慈善基金会转让了5730万股股票,这大约是这位亿万富翁所持该公司股份的十分之一,股票价值约为 22.7亿美元。第二,将股权捐赠给第三方基金会。2022年,刘强东向慈善机构捐赠约6240万股京东B类普通股,价值约23.4亿美元,但未具体说明接受捐赠的第三方基金会。沃伦·巴菲特继续成为榜单上最慷慨的捐赠者,他在2022年6月捐赠了约40亿美元的伯克希尔·哈撒韦公司B类股票,约1440万股。按最新收盘价,这笔捐赠价值约40亿美元。该笔资金承诺捐给比尔和梅琳达·盖茨基金会信托基金、苏珊·汤普森·巴菲特基金会以及巴菲特三个孩子成立的舍伍德基金会、霍华德·巴菲特基金会和诺沃基金会。其中,1100万给比尔和梅琳达·盖茨基金会,110万股以巴菲特已故第一任妻子命名的苏珊·汤普森·巴菲特基金会,另外77万股股票给巴菲特三个孩子成立的基金会。除此之外,亿万富翁零售商Yvon Chouinard也将时装公司Patagonia的股权捐赠给了一家慈善机构。只不过Yvon Chouinard捐赠股权的方式有点特别。Yvon Chouinard本来是想将Patagonia出售的,但最终决定放弃。拥有该公司的Chouinard家族决定另辟蹊径,该公司现已转移到两个独立的实体。其中,Patagonia Purpose Trust仍将是控股股东,但仅拥有总股份的2%。其余98%的股票归于一家慈善机构Holdfast Collective旗下,这是一家致力于拯救环境的美国慈善机构。这98%的股票将是无投票权的股票,并且每年对公司进行再投资后剩下的利润将用于与气候作斗争的不同组织。在此之前,Patagonia已将每年利润的1%捐赠给可持续社区和草根活动家。“(慈善的钱)资金将来自Patagonia。每年,我们在业务再投资后赚到的钱将作为股息分配,以帮助应对危机。”Yvon Chouinard补充说。第三,将股权转让到家族基金会/信托机构中,使企业成为一家非盈利机构。汉斯·威尔斯多夫基金会,是劳力士品牌创始人汉斯·威尔斯多夫在1945年成立的基金会。他将所有的劳力士股份转让到了该基金会中,劳力士的很大一部分利润作为捐款返还给慈善机构,并捐赠给慈善事业。威尔斯多夫于1960年去世。从那时起,汉斯·威尔斯多夫基金会就拥有并经营着这家公司。除支付员工工资外,因劳力士其余利润都捐给了慈善机构,因此被称为非盈利企业。除劳力士外,德国的罗伯特·博世家族也是这样处理家族企业博世的。1942年,创始人罗伯特·博世去世时,博世仍然是一家公司(罗伯特博世有限公司)。然而,他在最后的遗嘱中规定,公司的收益应分配给慈善事业。在他的遗嘱中,他还避开了博世公司章程的大纲。1964年,经过多年审议,遗嘱执行人找到了一种将罗伯特·博世的遗嘱与博世商业目标相协调的方法。他们创建了罗伯特·博世基金会,并将博世92%的股份转让给该基金会,但没有投票权。而拥有投票权 (93%) 的股权则转让给了由博世高管、行业专家和博世家族代表组成的信托机构 Robert Bosch Industrietreuhand KG,其中博世家族持有 7%的股份(及投票权)。根据罗伯特·博世的遗嘱,该基金会一直在利用其收入资助“健康、教育、培训、支持天才儿童、国际和解等”事业,包括赠款和通过其医疗保健和研究直接投资的形式中心,而信托一直在将大部分利润再投资于业务。成立私人/家族慈善基金会/慈善基金会许多富豪都拥有自己的私人慈善基金会或家族慈善基金会,并通过这些基金会进行相关慈善活动,如桥水基金创始人成立了达利欧慈善基金会、北京达利欧慈善基金会;香港巨富包玉刚家族成立了苏海文远东基金会、苏海文-中国奥地利社会促进基金会、包玉刚国际学者科学基金会等;星巴克创始人舒尔茨创立了舒尔茨家族基金会等;马斯克的马斯克基金会;比尔盖茨的基金会等。通过家族办公室做慈善事业截至2019年,在全球范围内,约有71%的家办参与慈善事业,平均每年捐赠640万美元。2022年,在亚太地区,约有90%的家办参与慈善事业,在12个月内平均每个家办捐出了400万美元。直接捐款给社区/组织/个人亚马逊创始人杰夫·贝索斯曾向史密森尼学会、CNN 撰稿人范琼斯和西班牙厨师,也是世界中央厨房的创始人何塞·安德烈斯捐赠了4 亿美元。私人空军德拉肯国际创始人贾里德·艾萨克曼和其妻子个人向圣裘德儿童研究医院捐赠了1.25 亿美元。另杰夫·贝佐斯的前妻麦肯齐·斯科特在2020年12月中旬宣布,继4个月前捐款17亿美元给116个机构后,再次捐款42亿美元给384个机构,并表示这是她决定将大部分个人资产捐献给公众计划的一部分。2022年,麦肯齐又给一个叫“全美男孩女孩俱乐部”的机构捐款2.81亿美元。通过企业捐赠譬如,比尔·盖茨的前妻梅琳达通过她的投资和孵化公司Pivotal Ventures独立捐赠了她的部分财富。通过个人退休账户捐款有许多富豪会通过自己的个人退休账户来捐款。通过个人退休账户捐赠是一种有效的方式,由于它能提供税收优惠,也越来越受欢迎。除此之外,富人做慈善的方式还包括通过广泛的角色和职责(包括董事会成员和志愿者)实践参与;向捐赠者的个人捐赠账户提供市场利率、可抵税的捐款等。04 下一代的慈善事业之路千禧一代卡里·图纳和她的丈夫Facebook联合创始人达斯汀·莫斯科维茨于2011年共同创立了Good Ventures,这对年轻的硅谷亿万富翁开创了慈善事业的新方法。美国人传统上将捐款集中在家庭附近的学校、教堂和文化中心等组织上。但随着社交网络的兴起,将世界各地的人们瞬间联系起来,许多千禧一代对慈善有了更广泛的看法。此前,卡里·图纳是《华尔街日报》的记者,她报道了一系列主题,包括企业管理、加州经济和企业技术。如今,他们正在寻求超出所在社区的慈善和经验。经过三年的数百次采访和旅行,从布鲁金斯学会等华盛顿智库到缅甸和肯尼亚农村的诊所,他们最后把自己的兴趣集中在四大方面:美国政策、全球灾难性风险、国际援助和科学。如今,千禧一代和Z世代正在重塑慈善事业,开创了一个捐赠的新时代。支付应用Zelle的一份报告发现,自新冠疫情大流行以来,近75%的千禧一代向家人、朋友或非营利组织提供了经济支持,这是接受调查的所有一代人中比例最高的。据成立于2002年的洛克菲勒洛克菲勒慈善顾问公司(非盈利组织)所发布的2022年一份慈善报告显示,大多数家族主导的基金会的领导者第二代占54%,第一代占33%,第三代占38%,第四代及之后的占12%。年轻的捐助者希望能亲自参与慈善事业或参与他们所支持的组织。这些新一代慈善家并不总是满足于每年向他们没有参与的事业反复捐款,更倾向于将慈善事业融入生活的方方面面。据一份报告显示,出生于1980-2000年之间千禧一代的90%受访者表示,他们更有动力在一个紧迫的使命下进行捐赠,如果他们不信任一个组织,他们就会停止捐赠。根据《2021慈善事业的未来》报告,39%的千禧一代捐赠者曾使用GoFundMe等在线捐赠平台进行捐赠,24%的捐赠者是在社交媒体上了解某项事业后捐赠的。此外,千禧一代更希望看到他们参与慈善事业的直接影响。下一代捐赠者在尊重家族慈善遗产的同时,也渴望在世界上留下自己独特的印记。他们想要靠自己来使慈善事业变得更有影响力、更有参与感。","news_type":1},"isVote":1,"tweetType":1,"viewCount":1554,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}