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以色列、埃及、土耳其、希臘、愛琴海小島、泰國、星加坡、馬來西亞、中國(杭洲、上海、北京、天津、西安、廣州、佛山、羅定、無錫、南京、蘇州、桂林、昆明)、日本(北海道、和歌山、仙台、九洲、箱根、立山黑部、大板、東京、名古屋) 、韓國、台灣、美國、瑞士、法國、英國、意大利、梵帝岡、西班牙、葡萄牙、波蘭、捷克、澳洲、紐西蘭、德國、奧地利...... 香港 ...Tony's Blog 我的足跡... http://tonychan.goto.travel........................

我的最新日誌

• A Great Letter I Have Ever Read

  2008-7-18

  Recent days, I felt unwell and spent time to read books.  The following is a great letter I have ever read, share it with you:
  
  
  
  Dear Mother and Dad:
  
  Since I left for college I have been remiss in writing and I am sorry thoughtlessness in not having written before.  I will bring you up to date now, but before you read on, please sit down.  You are not to read any further unless you are sitting down, okay?
  
  Well, then, I am getting along pretty well now.  The skull fracture and the concussion I got when I jumped out the window of my dormitory when it caught on fire shortly after my arrival here is pretty well healed now.  I only spent two weeks in the hospital and now I can see almost normally and only get those sick headaches once a day.  Fortunately, the fire in the dormitory, and my jump, was witnessed by an attendant at the gas station near the dorm, and he was the one who called the Fire Department and the ambulance.  He also visited me in the hospital and since I had nowhere to live because of the burntout dormitory, he was kind enough to invite me to share his apartment with him.  It's really a basement room, but it's kind of cute.  He is very fine boy and we have fallen deeply in love and are planning to get married.  We haven't got the exact date yet, but it will be before my pregnancy begings to show.
  
  Yes, Mother and Dad, I am pregnant. I know how much you are looking forward to being grandparents and I know you will welcome the baby and give it the same love and devotion and tender care you gave me when I was a child.  The reason for the delay in our marriage is that my boyfriend has a minor infection which prevents us from passing our pre-marital blood tests and I carelessly caught it from him.
  
  Now that I have brought you up to date, I want to tell you that there was no dormitory fire, I did not have a concussion or skull fracture,  I was not in hospital, I am not pregnant, I am not engaged, I am not infected, and there is no boyfriend.  However, I am getting a "D" in American History, and an "F" in Chemistry and I want you to see those marks in their proper perspective.
        
  
                               Your loving daughter,
                               Sharon
  
  
  
  
  Haha!!!
  

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• 信 信 信

  2008-4-18

  打工仔最怕收大信封,  事關打工仔收到大信封, 即係無了份工, 所以特首好強調要做好呢份工,  實有人工收啊嘛。
  
  打工仔最想收到昇職、加入工的信, 之不過, 好多打工仔未必想過有時加人工實際是減人工!   例如, 如果加人工4%,  但通脹8.4% (例如內地3月份通脹 8.4%),   有D老板會只係強調: 加多左人工俾你架, 你看下僱主聯會只建議2.5%,  我地加左4%啊,   絕不會提通脹係4.7% ......
  
  
  不過現在最有趣的是, 最怕收信的人, 肯定係美國的銀行,特別怕收到會響音的信: Jingle Mail
  
  

  AP

  Jingle mail,  就係美國愈來倉多負資產業主, 把按揭房屋的鎖匙郵寄回銀行, 然後 Walk Aways.   信封內的鎖匙好似聖誕燈飾飾物的響聲. 
  
  美國人真係 ......
  
  
  

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• "上錯巴士落錯站"

  2008-4-04

  今天看到這樣的一句:
  
  "上錯巴士落錯站 ...... 心靈之旅" 我心想, 這只會是傻仔之旅、 失魂之旅 。
  
  

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• 皇帝與王子

  2008-3-22

  有一次上training, 導師向我們講了這樣的一個故事:
  
  
  "古時, 有位年紀漸老的皇帝常常希望自己的兒子將來繼位後, 能夠做一位出色的君王。 這位小王子也非常聰明,  但老皇帝覺得小王子總欠一些說不出來的特質, 於是老皇帝把小王子送到深山, 跟隨一位山中老人學習。
  
  一年以後, 小王子回宮探望老皇帝, 老皇帝問小王子這一年在山中學到些什麼?  小王子興高采烈地答道: 我在山中跟老人四處遊歷, 看到獸之靈、花之美。  老皇帝很高興, 但他再把小王子送回山裡學習。
  
  三年以後, 小王子再回宮探望老皇帝, 老皇帝問小王子這三年在山中學到些什麼?  小王子很自豪地地答道:  我看到山林之美, 大地的寧靜, 老皇帝很高興。 之後, 小王子又回山裡。
   
  
  
  十年以後, 王子再回宮探望年邁的老皇帝, 老皇帝問王子這十年在山中學到些什麼? 
  
  王子很謙慎地答道:  我聽到陽光在微笑, 聽到花木在唱歌, 聽到流星在哭泣。 老皇帝聽罷, 非常驚訝, 他吩咐王子不要再回山裡去。   跟住不久, 老皇帝把皇位傳給王子。"
  
  
  
  導師問: 這故事想告訴我們甚麼呢? 知道的同學請舉手。 大家都覺得這故事很有趣,  但培訓房間內突然非常默靜......
  
  
  
  過了一會, 我見房間這麼靜又沒有人舉手, 反正答錯也沒甚麼大不了, 於是我舉手試答:  是不是 ...... 
  聽到聽不到的聲音
  
  
  
  
  
  

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• 全世界供緊樓的人仕真係要多謝法興, haha!!!

  2008-1-25

  法興被逼大沽期指導致股災
  
  法國興業銀行交易員曾涉買期指三千多億歐元, 導致法興虧損四十九億歐元, 銀行知悉後平倉導致股市急跌。  股市周一晚上歐洲股市大跌，部分原因與法興平倉有關， 跟住周二港股大跌2061點, 嚇到美國聯儲局周二緊急視像會議搬出plan B,  在美股開市前大手減息3/4厘。
  
  全港供緊樓的人仕真係要多謝法興, 兼齊齊笑下騰雞貝南奇傻仔;
  
  全港要買菜煮飯的師奶真係多得法興, 傻仔貝南奇勁減息搞到通脹火上加油, 搞到百物騰貴, 兼齊齊鬧鬼他們啦!  (點解貝南奇唔等多二日, 看定D先呢?)
   
  haha!!!
  
  
  

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• 美國突然減息3/4厘

  2008-1-22

  去年12月18日, 央行班Banker在s傳統悠閒季節(十二月份), 一夜間狂在金融系統注入萬億巨款,  今日美國又在本月正常議息會議之前,  更在今日美股開市之前減息,  仲要超大手筆3/4厘, 這個美國聯儲局心裡怕甚麼已經昭然若揭!   美國已經開始手忙腳亂、不理章法、藥石亂投 !    美國繼花旗、美林之後現在已受了第三拳重擊, Ambac(只有4.25億美元資金，卻擔保690億美元債券)遭降評級 .
  
  很多人認為美國經濟不好美元會弱, 最詭秘的是美國經濟不好美元不弱的時候(例如這幾天 EUR由1.495回至1.45, 加元由0.9大幅回至1.035, 澳之由0.9回至0.8629, 紐元由0.8回至0.75......), 十年不逢一潤的大潮就出現.
  
  
  2008年1月, 世界級金融風暴並沒有把恆生推上三萬五千點、四萬點.
  
  The following is the latest FOMC statement at 8:35AM EST Jan 22, 2008:
  

  The Federal Open Market Committee has decided to lower its target for the federal funds rate 75 basis points to 3-1/2 percent.

  The Committee took this action in view of a weakening of the economic outlook and increasing downside risks to growth. While strains in short-term funding markets have eased somewhat, broader financial market conditions have continued to deteriorate and credit has tightened further for some businesses and households. Moreover, incoming information indicates a deepening of the housing contraction as well as some softening in labor markets.

  The Committee expects inflation to moderate in coming quarters, but it will be necessary to continue to monitor inflation developments carefully.

  Appreciable downside risks to growth remain. The Committee will continue to assess the effects of financial and other developments on economic prospects and will act in a timely manner as needed to address those risks.

  Voting for the FOMC monetary policy action were: Ben S. Bernanke, Chairman; Timothy F. Geithner, Vice Chairman; Charles L. Evans; Thomas M. Hoenig; Donald L. Kohn; Randall S. Kroszner; Eric S. Rosengren; and Kevin M. Warsh. Voting against was William Poole, who did not believe that current conditions justified policy action before the regularly scheduled meeting next week. Absent and not voting was Frederic S. Mishkin.

  In a related action, the Board of Governors approved a 75- basis-point decrease in the discount rate to 4 percent. In taking this action, the Board approved the requests submitted by the Boards of Directors of the Federal Reserve Banks of Chicago and Minneapolis.

  
  
  
  

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• 美、歐現在的金融風暴

  2007-12-18

  2007聖誕將到, 以往十二月份是金融界最輕鬆的月份,  大部分人都會在十二月份book定機票飛去渡假, 待新年後才重投工作作戰, 今年的十二月份我肯定Banker們(尤其中央銀行的banker們)做到索晒氣, 今晚我見到歐洲央行要向銀行系統一夜間注入3,840億歐羅(或5,015億美元、 或39,117億港元), 肯定係一項空前紀錄!
  
  十二月份金融界如此不平靜, 央行養尊處優的Bankers做晒救火隊隊員, 銀行間的借貸肯定已經極端嚴重癱了,  美國十二月份唔夠膽減半厘息, 怕狂猛減息通脹會對央行大佬老實不客氣, 所以只減四分一厘然後在銀行系統狂注資,  十二月份臨近聖誕口甘大動作,  肯定2008年1月1日係這班banker們非常擔心的日子!
  
  香港依然有投資銀行看明年股市三萬五、四萬......  我看到的是美、歐現在已在金融風暴中.
  
  
  
  祝你聖誕快樂!
  2007.12.18
  

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• Why New Ideas Hard To Be Accepted?

  2007-12-15

  "As Lord Keynes pointed out about this:
  
  "Instead, the new ideas were not accepted because they were inconsistent with old ideas in place. 
  
  "What Keynes was reporting is that human mind works a lot like the human egg.  When one sperm gets into a human egg, there's an automatic shut-off device that bars any other sperm from getting in.  The human mind tends strongly toward the same sort of result"
  
  
  
  Haha! 
  Human mind needs antidotes for this great problem.
  

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• Major Difference Between Rich And Poor

  2007-12-14

  "At the family level, we often see one sibling hate his other siblings and litigate with them endlessly if he can afford it.
  
  Indeed, a wag named Buffett has repeatedly explained to me that
  
  "a major difference between rich and poor people is that the rich people can spend their lives suing their relatives"
  
  Haha!
  

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• 超人醒你成功秘笈 做隻仁慈獅子

  2007-12-13

  李嘉誠教你做人，無論你是否他的fans，總應該聽聽:

  
  

  花九成時間為失敗作準備

  李超人說，自己的成功之道，在於花了九成時間考慮失敗，為各種失敗的可能先做好準備。除此之外，就是要做「領袖」，不要單單做「老闆」﹕「做一個成功的管理者，態度與能力一樣重要。領袖領導眾人，促動別人自覺甘心賣力；老闆只懂支配眾人，讓別人感到渺小。 」

  李嘉誠又分享自己教孫之道，做人要仁慈同時又要懂得反抗，做一 隻仁慈的森林之王﹕「仁慈是本性，你平常仁慈，但單單仁慈，業務不能成功，你除了在合法之外，更要合理去賺錢。但如果人家不好，獅子是有能力去反抗的，我 自己想做人應該是這樣。very kind，非常好的一個人，但如果人家欺負到你頭上，你不能畏縮，要有能力反抗。」

  
  
  
  

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• 養生七大原則

  2007-12-12

  養生七大原則
  
  不抽煙 、 不酗酒 、 不生氣 、 不斷運動 、 不食過量 、 不斷祈禱 、 不作無禮的事
  

  
  
  

  - 高師謙

   

  

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• Overcounting and Undercounting

  2007-12-02

  Avoiding some mistakes from overcounting what could be measured and undercounting what coundn't.
  
  - T. Munger
  

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• Beauty and Its Pursuit

  2007-12-01

  
  "There is certainly no absolute standard of beauty.  That precisely is what makes its pursuit so interesting"
  
   - John Kenneth Galbraith
  
  
  
  

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• The First Principle

  2007-11-26

  
  
  As most good things have undesired "side effects," and thinking is no exception......
  
  
  "The first principle is that you must not fool yourself, and you're the easiest person to fool"
  
  - Nobel laureate Richard Feynman
  
  
  
  

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• Biological Creatures

  2007-11-26

  
  Biological Creatures ordinarily prefer effort minimization in routine activities
  and
  don't like removals of long-enjoyed benefits.
  
  
  
  
  

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• 奧地利 雪山風景美態動人

  2007-11-23

  (我花了一點時間寫了這篇文, 今日在明報登了出來)

  
  圖、文: Tony Chan (www.goto.travel  天涯闖蕩)
  ( double click下面的圖可以放大來看 )

  

  

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• Seriously Take The Simple, Basic Idea

  2007-11-23

  There is an old two-part rule that often works wonders in business, science, and elsewhere:
  
  (1) Take a simple, basic idea and
  (2) take it very seriously
  
  - T. Munger
  

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• 九廣鐵路公司的願景及使命

  2007-11-21

  "九廣鐵路公司的願景，是成為世界上以審慎商業原則經營的最優秀運輸機構之一。
  九廣鐵路公司的使命是提供安全可靠、享有盈利的綜合鐵路網絡，以配合社會大眾對本地、過境及城際鐵路服務日形殷切的需求。
  九廣鐵路公司全心全意，精益求精，力求：
  
      * 竭誠為顧客服務及實踐服務承諾
      * 達到政府及公司所訂定的目標保持財政穩健
      * 建立良好的業務夥伴關係
      * 培養員工的團隊精神及工作熱誠
      * 鼓勵員工積極進取，獎勵傑出的成就 " 
  

  - KCRC Vision and Mission Statement
  

  
  Haha!   邊條友仔度 九廣鐵路公司的願景 ga?!   真係!  
  當年想九廣鐵路公司的願景時  第一條就應該係:  在慶祝全線九港鐵路鐵建成一百年之日完成收地下鐵路 ar ma !!
  
  
  
  九廣鐵路公司的願景，是成為世界上以審慎商業原則經營的最優秀運輸機構之一。 (即是話在現在的經營範圍內河水不犯井水, 這就是願景 ?! haha! )
  九廣鐵路公司的使命是提供安全可靠、享有盈利的綜合鐵路網絡，以配合社會大眾對本地、過境及城際鐵路服務日形殷切的需求。九廣鐵路公司全心全意，精益求精，力求：
  
      * 竭誠為顧客服務及實踐服務承諾 
      (講左等於無講的廢話,  唔使講都要gum 做啦)
  
      * 達到政府及公司所訂定的目標保持財政穩健
      (即係自己找個金鋼圈戴)
  
      * 建立良好的業務夥伴關係
      (講左等於無講的廢話)
  
      * 培養員工的團隊精神及工作熱誠
      (又係講左等於無講的廢話)
  
      * 鼓勵員工積極進取，獎勵傑出的成就
      (鼓勵員工(各自)進取,  唔怪得之啦!)
  
  
  ......!!!
  
  
  
  
  

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• Envy

  2007-11-16

  If we want to have success coming,
  
  we must avoid bad effects from envy,
  which is given a prominent place in the Ten Commandments because envy is so much a part of human nature. 
  
  
  The best way to avoid envy, recognized by Aristotle,
  is to plainly deserve the success we get.
  
  
  
  
  

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• What is Profession?

  2007-11-14

  
  "In the last analysis, every profession is a conspiracy against the laity"
  
  - Shavian character
  
  
  
  "It is not usually the conscious malfeasance of your narrow professional adviser that does you in. 
  
  "Instead, your troubles come from his subconscious bias.  His cogntion will oftern be impaired, for your purposes, by financial incentives different from your. 
  
  "And he will also suffer from the psychological defect caught by the proverb:
  
  "To a man with a hammer,
  every problem looks like a nail"
  
  
  
  Ha Ha !
  
  
  
  

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