很快的，我会从马来西亚的最南部搬上最北部 -- 北方大学，去修读3年的风险管理与保险。
突然间发现我已经年过20。时间过得好快，我已经不是 “青少年” 了！！！！！！我已经不年轻了。我浪费了很多时间。
不过有一个新的开始了，全新的开始，我十分的期待！
Wednesday, June 23, 2010
Wednesday, June 9, 2010
第二次世界大戰未戰死的他！不怕失敗的他！竟以自己為最後的獵物！
台資廠富士康的『十二連跳』震驚兩岸三地，那些在深圳龍華廠自殺的年輕員工，面臨的是怎樣的生命處境呢？
根據大陸教育部的調查，全中國有四分之一以上的大學生有自殺念頭，其中過半有憂鬱症傾向；台灣的情形更是令人憂心；根據世界衛生組織統計，台灣自殺 率世界第二。
不僅許多默默無聞的市井小民選擇自殺，許多名人也選擇自殺。這些名人我們大都耳熟能詳，也看過他們的作品或表演。他們有令人稱羨的成就與財富，但他 們對人生卻是絕望的，選擇提早結束。
或許少有人的一生像海明威那樣的精彩。他是美國著名的小說家。第一次世界大戰時，19歲時奔赴義大利前線，頭部受重傷後回國。後來他還參加西班牙內 戰，甚至於1940年到中國抗戰前線。第二次世界大戰期間，海明威又以記者身份出現於歐洲戰場，還親眼目睹盟軍的諾曼地登陸。
海明威體格魁梧，當他名利雙收後，就放手追求他歷來嚮往的捕魚打獵生活，經常下海捕撈幾百斤重的大馬林魚；還至東非遊獵兩個月，追殺獅子、豹、犀牛 等猛獸，甚且遭遇兩天之內，所乘的小飛機兩次失事，雖身受重傷，但幸免於難。
海明威的作品具有獨特的明快風格，細膩的心理描寫，深邃的表達形式，因而榮獲諾貝爾文學獎。海明威發表的小說《老人與海》中有一句話：『人，不是生來要給打敗的，你盡可能把他消滅掉，可就是打不敗他。』
晚年，海明威由於戰時舊傷復發，新病纏身，痛苦不堪，於1961年以所心愛的雙管獵槍自殺身亡。第一次世界大戰未戰死的他！第二次世界大戰未戰死的 他！與馬林魚搏鬥的他！不怕失敗的他！永保勝利者精神的他！獵捕猛獸的他！竟以自己為最後的獵物！
他的人生雖然精彩絕倫，卻沒有尋得人生的意義，指引他人生的道路。
《聖經》題到：你的存在絕非偶然，我是你的創造主。甚至在你未出生之前，我已經眷顧你。這表示人存在並非機率的產物，而是絕非偶然的。
愛爾蘭詩人穆爾，曾根據《聖經》作一首詩說：擾『來罷，憂傷的人，隨帶你煩惱，向著施恩寶座虔誠屈膝；來陳你心創痕，來訴你困...』其中有三句話 『地無一個憂傷，天不能醫』；『地無一個憂傷，天不能遣』；『地無一個憂傷天不能脫』。
這個世界充滿了受傷的人，走下坡路的人，傷心絕望的人，但這裡指示了一條生命的道路，可以安慰醫治每一個受傷的心。
轉回，轉回；你們何必死亡呢？
這是神愛的呼喚！
根據大陸教育部的調查，全中國有四分之一以上的大學生有自殺念頭，其中過半有憂鬱症傾向；台灣的情形更是令人憂心；根據世界衛生組織統計，台灣自殺 率世界第二。
不僅許多默默無聞的市井小民選擇自殺，許多名人也選擇自殺。這些名人我們大都耳熟能詳，也看過他們的作品或表演。他們有令人稱羨的成就與財富，但他 們對人生卻是絕望的，選擇提早結束。
或許少有人的一生像海明威那樣的精彩。他是美國著名的小說家。第一次世界大戰時，19歲時奔赴義大利前線，頭部受重傷後回國。後來他還參加西班牙內 戰，甚至於1940年到中國抗戰前線。第二次世界大戰期間，海明威又以記者身份出現於歐洲戰場，還親眼目睹盟軍的諾曼地登陸。
海明威體格魁梧，當他名利雙收後，就放手追求他歷來嚮往的捕魚打獵生活，經常下海捕撈幾百斤重的大馬林魚；還至東非遊獵兩個月，追殺獅子、豹、犀牛 等猛獸，甚且遭遇兩天之內，所乘的小飛機兩次失事，雖身受重傷，但幸免於難。
海明威的作品具有獨特的明快風格，細膩的心理描寫，深邃的表達形式，因而榮獲諾貝爾文學獎。海明威發表的小說《老人與海》中有一句話：『人，不是生來要給打敗的，你盡可能把他消滅掉，可就是打不敗他。』
晚年，海明威由於戰時舊傷復發，新病纏身，痛苦不堪，於1961年以所心愛的雙管獵槍自殺身亡。第一次世界大戰未戰死的他！第二次世界大戰未戰死的 他！與馬林魚搏鬥的他！不怕失敗的他！永保勝利者精神的他！獵捕猛獸的他！竟以自己為最後的獵物！
他的人生雖然精彩絕倫，卻沒有尋得人生的意義，指引他人生的道路。
《聖經》題到：你的存在絕非偶然，我是你的創造主。甚至在你未出生之前，我已經眷顧你。這表示人存在並非機率的產物，而是絕非偶然的。
愛爾蘭詩人穆爾，曾根據《聖經》作一首詩說：擾『來罷，憂傷的人，隨帶你煩惱，向著施恩寶座虔誠屈膝；來陳你心創痕，來訴你困...』其中有三句話 『地無一個憂傷，天不能醫』；『地無一個憂傷，天不能遣』；『地無一個憂傷天不能脫』。
這個世界充滿了受傷的人，走下坡路的人，傷心絕望的人，但這裡指示了一條生命的道路，可以安慰醫治每一個受傷的心。
轉回，轉回；你們何必死亡呢？
這是神愛的呼喚！
Sunday, June 6, 2010
Saving is sin, and spending is virtue
INTERESTING ARTICLE on Current Account Balance Rank Country Current account balance (million US$)
1 People's Republic of China (PRC) 179,100
2 Japan 174,400
3 Germany 134,800
4 Russia 105,300
5 Saudi Arabia 103,800
6 Norway 63,330
7 Switzerland 50,440
8 Netherlands 50,170
9 Kuwait 40,750
10 Singapore 35,580
11 Venezuela 31,820
12 Sweden 28,610
13 United Arab Emirates 26,890
14 Algeria 25,800
15 Hong Kong 20,900
16 Canada 20,560
17 Malaysia 17,860
18 Libya 14,500
19 Brazil 13,500
20 Iran 13,130
21 Nigeria 12,590
22 Qatar 12,510
23 Taiwan 9,700
24 Finland 8,749
25 Iraq 8,134
26 Angola 7,700
27 Oman 7,097
28 Belgium 6,925
29 Austria 5,913
30 Argentina 5,810
31 Chile 5,063
32 Denmark 4,941
33 Philippines 4,900
34 Luxembourg 4,630
35 Trinidad and Tobago 3,259
36 Azerbaijan 2,737
37 Egypt 2,697
38 Korea, South 2,000
39 Bahrain 1,999
40 Gabon 1,807
41 Botswana 1,698
42 Yemen 1,690
43 Indonesia 1,636
44 Peru 1,515
45 Israel 1,643
46 Uzbekistan 1,410
47 Burma 1,247
48 Republic of the Congo 1,215
49 Vietnam 1,029
50 Ecuador 727
51 Bolivia 688
52 Papua New Guinea 661
53 Namibia 572
54 Ivory Coast 460
55 Cameroon 419
56 Morocco 389
57 Bangladesh 339
58 Turkmenistan 321.2
59 Equatorial Guinea 175
60 British Virgin Islands 134.3 (1999)
61 Kazakhstan 113
62 Cook Islands 26.67 (2005)
63 Palau 15.09 (2004)
64 Tuvalu 2.323 (1998)
65 Samoa -2.428 (2004)
66 Tonga -4.321 (2005)
67 Comoros -17 (2005)
68 Kiribati -19.87 (2004)
69 Swaziland -23.13
70 São Tomé and Pr íncipe -24.4
71 Vanuatu -28.35 (2003)
72 Federated States of Micronesia-34.3 (2005)
73 Anguilla -42.87 (2003)
74 Cape Verde -44.43
75 The Gambia - 54.61
76 Burundi -57.84
77 Haiti -58..72
78 Tajikistan -73.95
79 Lesotho -75.44
80 Seychelles -78.59
81 Antigua and Barbuda -83.4 (2004)
82 Guyana - 84.3
83 Rwanda -104.1
84 Honduras -160
85 Zambia -165.4
86 Republic of Macedonia -167
87 Belize -173.4
88 Malawi -186
89 Ghana -219
90 Armenia -247.3
91 Togo -261.9
92 Zimbabwe - 264.6
93 Kyrgyzstan -287.3
94 Paraguay -300
95 Chad -324.1
96 Benin -342.7
97 Guinea -344
98 Cambodia -369
99 Mexico -400.1
100 Uganda -423
101 Eritrea -440.5
102 Mozambique -444.4
103 Fiji -465.8
104 Panama -467
105 Madagascar -504
106 Laos -404.2
107 Belarus -511.8
108 Syria -529
109 Moldova -561
110 Uruguay -600
111 Burkina Faso -604.6
112 Mauritius -651
113 Albania -679.9
114 Georgia -735
115 Tunisia -760
116 Slovenia -789.2
117 Nicaragua -883
118 Senegal -895.2
119 Thailand - 899.4
120 Tanzania -906
121 Malta -966.2
122 Jamaica -970
123 Cyprus -1,051
124 El Salvador -1,059
125 Sri Lanka -1,118
126 Kenya -1,119
127 Dominican Republic -1,124
128 Costa Rica -1,176
129 Cuba -1,218
130 Guatemala -1,533
131 Bosnia and Herzegovina -1,730
132 Estonia -1,919
133 Ukraine -1,933
134 Colombia -2,219
135 Serbia -2,451 (2005)
136 Latvia -2,538
137 Lithuania -2,572
138 Jordan -2,834
139 Croatia -2,892
140 Iceland -2,932
141 Ethiopia -3,384
142 Slovakia -3,781
143 Czech Republic -4,352
144 Sudan -4,510
145 Poland -4,548
146 Bulgaria -5,100
147 Lebanon -5,339
148 Pakistan -5,486
149 New Zealand -7,944
150 Hungary -8,392
151 Ireland -9,450
152 Romania -12,450
153 South Africa -12,690
154 Portugal -16,750
155 Greece -21,370 ????
156 Italy -23,730
157 Turkey -25,990
158 India -26,400
159 France -38,000
160 Australia -41,620
161 United Kingdom -57,680
162 Spain -98,600
163 United States -862,300
Saving is sin, and spending is virtue...
Japanese save a lot. They do not spend much. Also Japan exports far more than it imports. Has an annual trade surplus of over 100 billions. Yet Japanese economy is considered weak, even collapsing.
Americans spend, save little. Also US imports more than it exports. Has an annual trade deficit of over $400 billion. Yet, the American economy is considered strong and trusted to get stronger.
But where from do Americans get money to spend?
They borrow from Japan, China and even India. Virtually others save for the US to spend. Global savings are mostly invested in US, in dollars.
India itself keeps its foreign currency assets of over $50 billions in US securities. China has sunk over $160 billion in US securities. Japan's stakes in US securities is in trillions.
Result:
The US has taken over $5 trillion from the world. So, as the world saves for the US, Americans spend freely. Today, to keep the US consumption going, that is for the US economy to work, other countries have to remit $180 billion every quarter, which is $2 billion a day, to the US!
A Chinese economist asked a neat question. Who has invested more, US in China, or China in US? The US has invested in China less than half of what China has invested in US.
The same is the case with India. We have invested in US over $50 billion. But the US has invested less than $20 billion in India.
Why the world is after US?
The secret lies in the American spending, that they hardly save. In fact they use their credit cards to spend their future income. That the US spends is what makes it attractive to export to the US. So US imports more than what it exports year after year.
The result:
The world is dependent on US consumption for its growth. By its deepening culture of consumption, the US has habituated the world to feed on US consumption. But as the US needs money to finance its consumption, the world provides the money.
It's like a shopkeeper providing the money to a customer so that the customer keeps buying from the shop. If the customer will not buy, the shop won't have business, unless the shopkeeper funds him. The US is like the lucky customer. And the world is like the helpless shopkeeper financier.
Who is America's biggest shopkeeper financier? Japan of course. Yet it's Japan which is regarded as weak. Modern economists complain that Japanese do not spend, so they do not grow. To force the Japanese to spend, the Japanese government exerted itself, reduced the savings rates, even charged the savers.
Even then the Japanese did not spend (habits don't change, even with taxes, do they?).. Their traditional postal savings alone is over $1.2 trillions, about three times the Indian GDP. Thus, savings, far from being the strength of Japan, has become its pain.
Hence, what is the lesson?
That is, a nation cannot grow unless the people spend, not save. Not just spend, but borrow and spend.
Dr. Jagdish Bhagwati, the famous Indian-born economist in the US, told Manmohan Singh that Indians wastefully save.. Ask them to spend, on imported cars and, seriously, even on cosmetics! This will put India on a growth curve. This is one of the reason for MNC's coming down to India, seeing the consumer spending.
'Saving is sin, and spending is virtue.'
But before you follow this neo economics, get some fools to save so that you can borrow from them and spend!!!
1 People's Republic of China (PRC) 179,100
2 Japan 174,400
3 Germany 134,800
4 Russia 105,300
5 Saudi Arabia 103,800
6 Norway 63,330
7 Switzerland 50,440
8 Netherlands 50,170
9 Kuwait 40,750
10 Singapore 35,580
11 Venezuela 31,820
12 Sweden 28,610
13 United Arab Emirates 26,890
14 Algeria 25,800
15 Hong Kong 20,900
16 Canada 20,560
17 Malaysia 17,860
18 Libya 14,500
19 Brazil 13,500
20 Iran 13,130
21 Nigeria 12,590
22 Qatar 12,510
23 Taiwan 9,700
24 Finland 8,749
25 Iraq 8,134
26 Angola 7,700
27 Oman 7,097
28 Belgium 6,925
29 Austria 5,913
30 Argentina 5,810
31 Chile 5,063
32 Denmark 4,941
33 Philippines 4,900
34 Luxembourg 4,630
35 Trinidad and Tobago 3,259
36 Azerbaijan 2,737
37 Egypt 2,697
38 Korea, South 2,000
39 Bahrain 1,999
40 Gabon 1,807
41 Botswana 1,698
42 Yemen 1,690
43 Indonesia 1,636
44 Peru 1,515
45 Israel 1,643
46 Uzbekistan 1,410
47 Burma 1,247
48 Republic of the Congo 1,215
49 Vietnam 1,029
50 Ecuador 727
51 Bolivia 688
52 Papua New Guinea 661
53 Namibia 572
54 Ivory Coast 460
55 Cameroon 419
56 Morocco 389
57 Bangladesh 339
58 Turkmenistan 321.2
59 Equatorial Guinea 175
60 British Virgin Islands 134.3 (1999)
61 Kazakhstan 113
62 Cook Islands 26.67 (2005)
63 Palau 15.09 (2004)
64 Tuvalu 2.323 (1998)
65 Samoa -2.428 (2004)
66 Tonga -4.321 (2005)
67 Comoros -17 (2005)
68 Kiribati -19.87 (2004)
69 Swaziland -23.13
70 São Tomé and Pr íncipe -24.4
71 Vanuatu -28.35 (2003)
72 Federated States of Micronesia-34.3 (2005)
73 Anguilla -42.87 (2003)
74 Cape Verde -44.43
75 The Gambia - 54.61
76 Burundi -57.84
77 Haiti -58..72
78 Tajikistan -73.95
79 Lesotho -75.44
80 Seychelles -78.59
81 Antigua and Barbuda -83.4 (2004)
82 Guyana - 84.3
83 Rwanda -104.1
84 Honduras -160
85 Zambia -165.4
86 Republic of Macedonia -167
87 Belize -173.4
88 Malawi -186
89 Ghana -219
90 Armenia -247.3
91 Togo -261.9
92 Zimbabwe - 264.6
93 Kyrgyzstan -287.3
94 Paraguay -300
95 Chad -324.1
96 Benin -342.7
97 Guinea -344
98 Cambodia -369
99 Mexico -400.1
100 Uganda -423
101 Eritrea -440.5
102 Mozambique -444.4
103 Fiji -465.8
104 Panama -467
105 Madagascar -504
106 Laos -404.2
107 Belarus -511.8
108 Syria -529
109 Moldova -561
110 Uruguay -600
111 Burkina Faso -604.6
112 Mauritius -651
113 Albania -679.9
114 Georgia -735
115 Tunisia -760
116 Slovenia -789.2
117 Nicaragua -883
118 Senegal -895.2
119 Thailand - 899.4
120 Tanzania -906
121 Malta -966.2
122 Jamaica -970
123 Cyprus -1,051
124 El Salvador -1,059
125 Sri Lanka -1,118
126 Kenya -1,119
127 Dominican Republic -1,124
128 Costa Rica -1,176
129 Cuba -1,218
130 Guatemala -1,533
131 Bosnia and Herzegovina -1,730
132 Estonia -1,919
133 Ukraine -1,933
134 Colombia -2,219
135 Serbia -2,451 (2005)
136 Latvia -2,538
137 Lithuania -2,572
138 Jordan -2,834
139 Croatia -2,892
140 Iceland -2,932
141 Ethiopia -3,384
142 Slovakia -3,781
143 Czech Republic -4,352
144 Sudan -4,510
145 Poland -4,548
146 Bulgaria -5,100
147 Lebanon -5,339
148 Pakistan -5,486
149 New Zealand -7,944
150 Hungary -8,392
151 Ireland -9,450
152 Romania -12,450
153 South Africa -12,690
154 Portugal -16,750
155 Greece -21,370 ????
156 Italy -23,730
157 Turkey -25,990
158 India -26,400
159 France -38,000
160 Australia -41,620
161 United Kingdom -57,680
162 Spain -98,600
163 United States -862,300
Saving is sin, and spending is virtue...
Japanese save a lot. They do not spend much. Also Japan exports far more than it imports. Has an annual trade surplus of over 100 billions. Yet Japanese economy is considered weak, even collapsing.
Americans spend, save little. Also US imports more than it exports. Has an annual trade deficit of over $400 billion. Yet, the American economy is considered strong and trusted to get stronger.
But where from do Americans get money to spend?
They borrow from Japan, China and even India. Virtually others save for the US to spend. Global savings are mostly invested in US, in dollars.
India itself keeps its foreign currency assets of over $50 billions in US securities. China has sunk over $160 billion in US securities. Japan's stakes in US securities is in trillions.
Result:
The US has taken over $5 trillion from the world. So, as the world saves for the US, Americans spend freely. Today, to keep the US consumption going, that is for the US economy to work, other countries have to remit $180 billion every quarter, which is $2 billion a day, to the US!
A Chinese economist asked a neat question. Who has invested more, US in China, or China in US? The US has invested in China less than half of what China has invested in US.
The same is the case with India. We have invested in US over $50 billion. But the US has invested less than $20 billion in India.
Why the world is after US?
The secret lies in the American spending, that they hardly save. In fact they use their credit cards to spend their future income. That the US spends is what makes it attractive to export to the US. So US imports more than what it exports year after year.
The result:
The world is dependent on US consumption for its growth. By its deepening culture of consumption, the US has habituated the world to feed on US consumption. But as the US needs money to finance its consumption, the world provides the money.
It's like a shopkeeper providing the money to a customer so that the customer keeps buying from the shop. If the customer will not buy, the shop won't have business, unless the shopkeeper funds him. The US is like the lucky customer. And the world is like the helpless shopkeeper financier.
Who is America's biggest shopkeeper financier? Japan of course. Yet it's Japan which is regarded as weak. Modern economists complain that Japanese do not spend, so they do not grow. To force the Japanese to spend, the Japanese government exerted itself, reduced the savings rates, even charged the savers.
Even then the Japanese did not spend (habits don't change, even with taxes, do they?).. Their traditional postal savings alone is over $1.2 trillions, about three times the Indian GDP. Thus, savings, far from being the strength of Japan, has become its pain.
Hence, what is the lesson?
That is, a nation cannot grow unless the people spend, not save. Not just spend, but borrow and spend.
Dr. Jagdish Bhagwati, the famous Indian-born economist in the US, told Manmohan Singh that Indians wastefully save.. Ask them to spend, on imported cars and, seriously, even on cosmetics! This will put India on a growth curve. This is one of the reason for MNC's coming down to India, seeing the consumer spending.
'Saving is sin, and spending is virtue.'
But before you follow this neo economics, get some fools to save so that you can borrow from them and spend!!!
***转贴***
Thursday, June 3, 2010
曾经的曾经
我在fb看到了我中学时期的久同学，
我的心不知怎么的，好想念那段时间。。
不过说来惭愧，因为有一些人我真的没有印象了，
值得高兴的是，他们竟然还记得我。。。。^^
他们记得我叫ah kuen......
我真的很开心。很感动，还是会有一些人记得我，接纳我。。
还有两个星期，我就能知道我读什么了，
也许我会进到鸟不生蛋的UUM,
也不知道我会不会对我所选择的科系后悔。。
这个星期六，我休假了。感觉很爽，有5天不用做工。
我会去到manjung, perak，去参加基督徒青少年特会与预训，
这是我期待了半年的事，终于来临了。
我的心不知怎么的，好想念那段时间。。
不过说来惭愧，因为有一些人我真的没有印象了，
值得高兴的是，他们竟然还记得我。。。。^^
他们记得我叫ah kuen......
我真的很开心。很感动，还是会有一些人记得我，接纳我。。
还有两个星期，我就能知道我读什么了，
也许我会进到鸟不生蛋的UUM,
也不知道我会不会对我所选择的科系后悔。。
这个星期六，我休假了。感觉很爽，有5天不用做工。
我会去到manjung, perak，去参加基督徒青少年特会与预训，
这是我期待了半年的事，终于来临了。
Subscribe to:
Posts (Atom)