How to use the scholarship

The U.S. dollar has strengthened recently. In fact, I didn’t pay much attention to the foreign exchange market. I just happened to open an online banking account and found that my assets have increased. The problem is that I have not recently converted the encrypted currency into Taiwan dollars. The deposit seems to have swelled a bit.

That is a scholarship that has never been used since it was received. It is a scholarship that is placed in fixed deposit, and a scholarship denominated in U.S. dollars. Back then, when I handed in a research proposal, after submitting the application, I almost forgot about it, until my classmates came to inform me:

Cai Kaixi, you have won the XXX Academician Scholarship, don't forget to accept the award.

At the end of 2011, I went to Nangang to attend the awards ceremony and got a US dollar check. Before that, it was not that I had never received a scholarship, but that I had never received a scholarship denominated in US dollars. A check, lightly, was converted into Taiwan dollars at the exchange rate of more than 1 to 30, and the thousand-yuan bills were stacked one by one, and there were also small copies.

At that time, I often heard that if my colleagues around me got sponsorships and received congratulations from people from all walks of life, they would usually be entertained. Maybe it's because I'm relatively low-key and don't like to socialize, or I don't seem to be a good concave character, so many people in the department know that a doctoral student named Cai Kaixi won the award, but no one has come to express his intention to smother.

Walking out of the door of the Nangang compound, I was thinking about how to deal with this US dollar check. After getting on the bus, I carefully took out the check from the envelope and looked left and right. Should I deposit it? Or spend it? However, no matter what, you have to make a trip to the bank. Since it was in U.S. dollars, Citibank was still a U.S. business at the time, and I also opened an account, so I went to Citi first.

As soon as the girl at the Citi counter saw the check, she immediately said that it was not worthwhile to store it at their house, because the collection fee would be deducted by 100 US dollars. It was suggested that if I had an account with XX Bank, it would only cost a dozen US dollars. So, I took that check to XX Bank again, and the counter asked me if I wanted to exchange it for cash? Or do you want to keep a foreign currency account?

Because there are other sources of income, and I can't think of it for a while, what should I do with this scholarship after I exchange it into Taiwan dollars? Of course, I have also considered to keep this money, and I don't need to exchange foreign currency when I go abroad in the future. After thinking about it for a while, I told the counter to put it in! After returning home, log in to online banking, circle the one-year fixed deposit, and then renew the deposit every year.

More than ten years have passed, and the principal of the fixed deposit is still there, and the interest is rolled in bit by bit, just like entrusting cryptocurrency or doing liquidity mining, and the broken silver runs out little by little. A few years ago, there was a financial gap, and there was only a small amount of LIKE deposited, and the currency price had not taken off, so I was reluctant to change it. use.

The end of the year is approaching, and I need a bit of Taiwan dollar turnover, but these days, every currency has fallen very fiercely. I don’t really want to realize it at this time. It happens that the US dollar is rising. improvise. Keep this scholarship, and feel warm every time you use it.

I should never get another dollar-denominated scholarship. This scholarship should become my legacy. It has been circled in the account to generate interest. When it needs to be turned around, it will come and wave to me.

• Appreciate Citizen 2.0 Subscription Sponsorship: https://liker.land/cathytsai/civic
• A Buddhist fan who doesn't work hard on Facebook: " Those things travel history taught me "
• You'll see me here too:Checkered VOCUS | Medium | BBS MARKET
• If you want to cooperate, you can come to me here: misiaa2001@gmail.com
• Welcome to my sharing referral link: MAX Exchange (recommendation code ff893e34) | Noise.cash