2013年7月20日 星期六

2013年6月4日 星期二

聯邦儲備局主席伯南克,世界同來就不公平

聯邦儲備局主席伯南克上週末回到普林斯頓大學,向這家長春藤大學的應屆畢業生致辭,給出「十個建議/觀察」(全部和利率無關),幽默之餘,出乎意料之外地激進:

•「我們一直相信,能者居之 (meritocracy) 的制度和社會是公平的…… 但是否真的絕對公平?想清楚:能者居之系統裡面,最幸運的人得到最大的回報:他們遺傳得到健康、家庭的支持鼓勵或者收入、教育及事業機會、及其它難以細數的幸運眷顧。」他勸告這群幸運的精英畢業生接受天賦的責任,勤奮工作,為造福人類貢獻,分享幸福。

•「當代哲學家阿甘( Forrest Gump) 說『人生就像一盒朱古力,你永遠也不會知道你將拿到什麼。』 人生就是一趟意想不到的旅程,任何一個22歲青年人,也永遠沒有辦法知道十年後自己會身在何方。十二年前,我仍在教 Econ101,想辦法避過學院的會議。」伯南克說,人生很多時候也與想像有大大小小的出入,畢業生不要固步自封,要勇於接受挑戰。

•「誰最值得仰慕?」不是那些表面上成功的人,而是努力工作養活家人,為子女供書教學的老實人。他們可能書沒讀得多,但會是更有 fun 的酒伴。

•  對政治犬儒,很容許忽略了一個事實,就是大部分從政者嘗試做對的事。

•「經濟學是一門成熟科目,尤其擅於解釋過去的政府問題,要用經濟來預測未來?則是另一回事。」不過,伯南克強調嚴謹的經濟分析,仍能剔走大部分錯誤的政策。

•  沒有人喜歡失敗,但失敗是人生必經的階段。

•  不要忘記打電話問候父母……

伯南克十個錦囊全文:

1. The poet Robert Burns once said something about the best-laid plans of mice and men ganging aft agley, whatever "agley" means. A more contemporary philosopher, Forrest Gump, said something similar about life and boxes of chocolates and not knowing what you are going to get. They were both right. Life is amazingly unpredictable; any 22-year-old who thinks he or she knows where they will be in 10 years, much less in 30, is simply lacking imagination. Look what happened to me: A dozen years ago I was minding my own business teaching Economics 101 in Alexander Hall and trying to think of good excuses for avoiding faculty meetings. Then I got a phone call . . . In case you are skeptical of Forrest Gump's insight, here's a concrete suggestion for each of the graduating seniors. Take a few minutes the first chance you get and talk to an alum participating in his or her 25th, or 30th, or 40th reunion--you know, somebody who was near the front of the P-rade. Ask them, back when they were graduating 25, 30, or 40 years ago, where they expected to be today. If you can get them to open up, they will tell you that today they are happy and satisfied in various measures, or not, and their personal stories will be filled with highs and lows and in-betweens. But, I am willing to bet, those life stories will in almost all cases be quite different, in large and small ways, from what they expected when they started out. This is a good thing, not a bad thing; who wants to know the end of a story that's only in its early chapters? Don't be afraid to let the drama play out.

2. Does the fact that our lives are so influenced by chance and seemingly small decisions and actions mean that there is no point to planning, to striving? Not at all. Whatever life may have in store for you, each of you has a grand, lifelong project, and that is the development of yourself as a human being. Your family and friends and your time at Princeton have given you a good start. What will you do with it? Will you keep learning and thinking hard and critically about the most important questions? Will you become an emotionally stronger person, more generous, more loving, more ethical? Will you involve yourself actively and constructively in the world? Many things will happen in your lives, pleasant and not so pleasant, but, paraphrasing a Woodrow Wilson School adage from the time I was here, "Wherever you go, there you are." If you are not happy with yourself, even the loftiest achievements won't bring you much satisfaction.

3. The concept of success leads me to consider so-called meritocracies and their implications. We have been taught that meritocratic institutions and societies are fair. Putting aside the reality that no system, including our own, is really entirely meritocratic, meritocracies may be fairer and more efficient than some alternatives. But fair in an absolute sense? Think about it. A meritocracy is a system in which the people who are the luckiest in their health and genetic endowment; luckiest in terms of family support, encouragement, and, probably, income; luckiest in their educational and career opportunities; and luckiest in so many other ways difficult to enumerate--these are the folks who reap the largest rewards. The only way for even a putative meritocracy to hope to pass ethical muster, to be considered fair, is if those who are the luckiest in all of those respects also have the greatest responsibility to work hard, to contribute to the betterment of the world, and to share their luck with others. As the Gospel of Luke says (and I am sure my rabbi will forgive me for quoting the New Testament in a good cause): "From everyone to whom much has been given, much will be required; and from the one to whom much has been entrusted, even more will be demanded" (Luke 12:48, New Revised Standard Version Bible). Kind of grading on the curve, you might say.

4. Who is worthy of admiration? The admonition from Luke--which is shared by most ethical and philosophical traditions, by the way--helps with this question as well. Those most worthy of admiration are those who have made the best use of their advantages or, alternatively, coped most courageously with their adversities. I think most of us would agree that people who have, say, little formal schooling but labor honestly and diligently to help feed, clothe, and educate their families are deserving of greater respect--and help, if necessary--than many people who are superficially more successful. They're more fun to have a beer with, too. That's all that I know about sociology.

5. Since I have covered what I know about sociology, I might as well say something about political science as well. In regard to politics, I have always liked Lily Tomlin's line, in paraphrase: "I try to be cynical, but I just can't keep up." We all feel that way sometime. Actually, having been in Washington now for almost 11 years, as I mentioned, I feel that way quite a bit. Ultimately, though, cynicism is a poor substitute for critical thought and constructive action. Sure, interests and money and ideology all matter, as you learned in political science. But my experience is that most of our politicians and policymakers are trying to do the right thing, according to their own views and consciences, most of the time. If you think that the bad or indifferent results that too often come out of Washington are due to base motives and bad intentions, you are giving politicians and policymakers way too much credit for being effective. Honest error in the face of complex and possibly intractable problems is a far more important source of bad results than are bad motives. For these reasons, the greatest forces in Washington are ideas, and people prepared to act on those ideas. Public service isn't easy. But, in the end, if you are inclined in that direction, it is a worthy and challenging pursuit.

6. Having taken a stab at sociology and political science, let me wrap up economics while I'm at it. Economics is a highly sophisticated field of thought that is superb at explaining to policymakers precisely why the choices they made in the past were wrong. About the future, not so much. However, careful economic analysis does have one important benefit, which is that it can help kill ideas that are completely logically inconsistent or wildly at variance with the data. This insight covers at least 90 percent of proposed economic policies.

7. I'm not going to tell you that money doesn't matter, because you wouldn't believe me anyway. In fact, for too many people around the world, money is literally a life-or-death proposition. But if you are part of the lucky minority with the ability to choose, remember that money is a means, not an end. A career decision based only on money and not on love of the work or a desire to make a difference is a recipe for unhappiness.

8. Nobody likes to fail but failure is an essential part of life and of learning. If your uniform isn't dirty, you haven't been in the game.

9. I spoke earlier about definitions of personal success in an unpredictable world. I hope that as you develop your own definition of success, you will be able to do so, if you wish, with a close companion on your journey. In making that choice, remember that physical beauty is evolution's way of assuring us that the other person doesn't have too many intestinal parasites. Don't get me wrong, I am all for beauty, romance, and sexual attraction--where would Hollywood and Madison Avenue be without them? But while important, those are not the only things to look for in a partner. The two of you will have a long trip together, I hope, and you will need each other's support and sympathy more times than you can count. Speaking as somebody who has been happily married for 35 years, I can't imagine any choice more consequential for a lifelong journey than the choice of a traveling companion.

10. Call your mom and dad once in a while. A time will come when you will want your own grown-up, busy, hyper-successful children to call you. Also, remember who paid your tuition to Princeton.

Those are my suggestions. They're probably worth exactly what you paid for them. But they come from someone who shares your affection for this great institution and who wishes you the best for the future.

Congratulations, graduates. Give 'em hell.

2013年6月1日 星期六

結婚花球的市場分析 Wedding Bouquet market analysis

結婚花球的市場分析 Wedding Bouquet market analysis

現金有好多做結婚花球的市場,但當中的質素各有高低,現同大家分析結婚花球的市場。
先從市面上的結婚花球供應商比較﹗

花團錦簇 Les Belles Fleurs|結婚花球|Wedding Bouquet|網上訂花
$798 結婚花球套餐 
包新娘花球x1,新郎襟花x2,主人家襟花x4,兄弟襟花x6,姊妹襟花x6,免費送新娘頭花x1

我訪問過花團錦簇店員採訪:

我:: 現今結婚花球的市場如何
花團錦簇店員: 現今結婚花球的市場競爭都好大,主要都由一些大公司主導如: gnes b, 花爐等..., 而且在價錢方面好難比較﹗



2013年4月30日 星期二

全港客貨車電召中心電話

1. 歐一客貨車運輸電召中心 http://hk.geocities.com/au1van/ 65488928 2. yes電召客貨車中心 www.23809999.com 23809999 3. 偉力電召客貨車中心 www.hkdml.com 24112401 4. 東方客貨車電召中心 www.23900000.com 23900000 5. 第一客貨車電召中心 www.van100.com 31711111 
6. 永盛客貨車電召中心 www.wsvan.com 25099999   
7. 全港客貨運中心 www.23966666.com 23966666 

8. 成記電召中心 www.shingkeetransport.com.hk 27811111 9. 雞記客貨車 www.kaikeevan.com 29700700 10. 勁達貨運客貨車電召 www.21103333.com.hk 21103333 11. 永利客貨車電召中心 www.23816333.com 23816333 12. 便利客貨車電召運輸中心 www.23200001.com 23200001 13. 大象客貨車電召中心 www.elephant-van.com 27499001 14. 忠誠客貨車電召中心 www.doggylandhk.com/index.328.htm 23902390 15. a-1客貨車電召中心 www.31000009.com 31000009 16. 志達客貨車電召中心 http://chitatvan.com/old 23349494 17. 鳳凰客貨車電召中心 www.2386phoenix.com 23877090 18. 中華客貨車電召中心 www.23609999.com 23609999 19. 忠誠客貨車電召中心 www.doggylandhk.com 23902390 20. 開利客貨車電召中心 www.23933333.com 23933333 21. 亞洲客貨車電召中心 http://www.hkwm.com/asia.htm 2387 9999 22. .佳運運輸公司 http://www.25557444.com 25557444 23. 財神客貨車電召中心 http://www.fooksing.com/ 27566000 24. 大聯盟貨車電召中心 22454545 25. 蘋果貨車電召中心 23455511 26. 鴻昇貨車電召中心 23903900 27. 港聯貨車電召中心 25786677 28. 太陽神貨車電召中心 23956260 29. wong ma貨車電召中心 27777889 30. 永嘉客貨車電召中心 28870323 31. ok貨車電召中心 23263032 32. 668貨車電召中心 266866666 33. 精工客貨車電召中心 24588289 34. 牛仔客貨車電召中心 http://cowboy-van.com 61703030 35. 皇馬電召中心 27777889 36.UC客貨車電召中心 29277777 37. 力通客貨車電召中心 27778444 38. 天天客貨車 29590614   39. 好景客貨車電召中心 25666666 40. 志昌客貨車電召中心 23935111 41. 明星客貨車電召中心 27804411 42. 特區運輸公司 23860666 43. 港龍客貨車 24279999 44. 創藝客貨車電召運輸 81099992

請問如何將pccw固網電話飛線落手提? 

首先你的PCCW固網電話要申請左 "來電轉駁" 呢個功能先做到。「來電轉駁」讓您將來電轉駁至香港任何一個電話號碼。 啟動:提起聽筒 按〔*〕〔0〕〔5〕 輸入欲接駁之號碼 按〔#〕 通知接聽者將把來電轉駁給他/她。如無人接聽或電話線路繁忙,請掛線並重複上述步驟。按〔#〕後,您會聽到確認訊號,這表示功能已啟動 掛線 如再拿起聽筒,您會聽到特別的搭線訊號。每當有來電,電話機鈴聲會短響一下,提醒您已選用「來電轉駁」功能。您仍可如常打出電話。 註:如已使用「請勿干擾」功能,便不能同時使用「來電轉駁」。

取消: 提起聽筒 按〔#〕〔0〕〔5〕 掛線 要轉駁來電至另一電話號碼,您須先取消已接駁的號碼。

2013年4月18日 星期四

2013年4月16日 星期二

PayPal Here的交易收費


個人戶口只要提昇至特選客戶,就可以申請,非~常方便

按交易量收費 清晰簡單

刷卡和PayPal 的交易收費為每筆3.9% + 港幣$2.35*。
人手輸入或掃描信用卡資料的交易收費為每筆4.2% + 港幣$2.35*。


2013年4月15日 星期一

2013年4月8日 星期一

如何開銀行公司戶口無限公司

無限公司開銀行戶口手續或文件

1)商業登記(BR),
2)書仔(M&A),
3)所有董事身份證及三個月內住址證明,
4)公司查冊(銀行會收取$150查冊費)
5)公司印章
6)戶口存款金($5000~$50000每間銀行收費不同)
有齊上述資料, 銀行不會即時開到銀行戶口,因為銀行會去查冊,時間也需要10~14天,查好冊後才通知你去銀行辦理,開戶口,到事就要帶住址證明,公司印章,就可以開一個叫綜合商業銀行戶口了!同時齊儲蓄和網上理財及支票戶口

戶口存款金想提醒大家,一般大銀行都要存每月平均五萬,如果少於五萬會收取費用,這對一般做生意資金週不方便所以,盡量用存款金額比較少會方便自己生意上週,說真放在銀行又無息收,無啦啦比銀行壓五萬女,好似按金用唔到。都幾煩!

匯豐 50000
恒生 50000
中銀 50000
東亞 5000

2013年4月4日 星期四

Osim成功之道

■「天使二變」由鄭秀文代言。資料圖片企管達人——讓按摩變成生活態度 OSIM自製需求成功突圍2013-04-05      「我變,再變!」近期OSIM的新按摩椅廣告熱賣,大推產品多變功能,其實OSIM在港立足近三十年,同樣不斷求變,配合市場發展,成功佔據行業「龍頭一哥」位置。OSIM副總經理葉玉燕帶領公司發展十多年來,不斷迎難而上,跨過沙士、金融海嘯等風風雨雨,並憑不斷推陳出新的產品及市場策略,打動顧客,讓按摩產品成為生活一部份,近年公司雙位數字增長的業績,是證明其努力的成績單。        按摩椅從前彷彿是富豪大班的專有玩意,但近年已漸融入尋常百姓家,「天王椅」、「天使二變」等按摩椅產品耳熟能詳。八六年已在港經營的OSIM,目前在港市場佔有率達八成以上,能讓按摩椅在本地家庭愈來愈普及,其副總經理葉玉燕功不可沒。        葉玉燕於九九年加入OSIM,初任職市務經理,其後升任為副總經理。她說,公司的市場佔有率高,故多年來只重與自己競爭,她經常思考:「如何讓向來不買按摩產品的客人光顧?如何令已有顧客為提升更高享受,再度購買產品?」        她認為,創新是最重要一環,產品無論在科技、外形上,都要不斷推陳出新,「顧客對產品外形要求愈來愈高,以前顧客因感身體疲累才會購買按摩椅,現在卻成為一種生活模式、每個家庭的必需品,故外形必須能融入家中,顏色多、省地方。」如OSIM近期新推出的「天使二變」按摩梳化,便針對此點。        除創新外,她說,服務質素亦是關鍵,「服務須用心經營,顧客購買產品後,與他們的關係才剛開始,必須做好售後維修服務,做好口碑,顧客便會一個介紹一個。」

  服務品質口耳相傳        近幾年,OSIM致力增加小型產品的比例,針對年輕市場,「年輕人愛玩電腦、智能手機,常出現肩頸痛問題。」OSIM有售賣針對全身各部位的產品,成為年輕人「入門」產品,培養他們成為未來的固定顧客,日後再購買按摩椅。        葉玉燕帶領OSIM發展,曾遇上不少難關,但都能在逆市中創造佳績。如當年沙士爆發,市民都不出街,本以為生意會一落千丈,「不可以坐着甚麼都不做,等經濟恢復,想到大家留家時間多了,又不能到按摩店按摩,故乘勢推出音感智慧椅iSymphonic,一推出顧客便在店外排長龍試用,因市民比以往更重視健康。」        創按摩五感概念店        ○八年金融海嘯下,推出歷來最貴、價值四萬元的高端按摩椅uDream,銷量打破品牌按摩椅銷量紀錄。「當時大家都愁眉苦臉,該按摩椅廣告呈現一家人開心變魔法,吸引市民注意。當年海嘯對市民造成心理影響,但大多的荷包都無實際影響,只是消費時更謹慎。健康是最好的投資,加班辛苦工作,都是為家人建立好生活,我們要建立產品的價值,讓顧客覺得產品值得購買。」        她說,這就是行業「自製需求」的特色,「無人會突然覺得有需要買張按摩椅,做市場推廣,便要由零建立需求,看到按摩產品愈來愈普及,很有滿足感。」        OSIM去年業務有雙位數字增長,成績已是不俗,但葉玉燕未有停步,並計劃今年加開五間分店,並提升全線店舖形象,其中首間五感概念店,落戶海港城,新店在視覺、觸覺、嗅覺等不同感官下工夫,讓顧客享受全面體驗。        真誠體諒員工 前線互相支持        葉玉燕畢業於浸大傳理系,主修公關及廣告,其後隨即投身市場推廣行業,加入OSIM前曾負責元綠壽司的推廣工作。        她稱,廣告只是市場推廣的其中一部份,加入市場推廣行業,因享受產品由零開始的整個推廣過程。「我會多與銷售員溝通,通過他們明白顧客需要,部署推廣策略。」她亦常到店舖,直接聽顧客意見。        育有兩名分別十一歲及四歲女兒的她,成功在工作及家庭取得平衡,「我認為工作是樂趣,周末放假會到展銷會幫忙,大時大節亦會巡視店舖,但得到家人支持,他們從無怨言。」她說,更會讓女兒當「童工」一起幫忙,讓她知道媽媽工作辛苦。        她覺得走到前線幫忙,是與員工很好的溝通渠道,「讓同事感受我與他們一起,亦了解他們的難處,如體會員工忙到無飯吃,故他們送錯貨、落錯單亦會體諒。」她認為,管理層應真誠對待員工,彼此支持,故同事大多在公司工作十年以上。        葉玉燕的「三心兩意」市場推廣心得        「用心」:用心溫習健康知識,才能向顧客介紹適合產品        「愛心」:關心顧客健康問題,不為做生意而推銷        「耐心」:花時間服務顧客,對方未必會即時購買,故要有耐性        「誠意」:從事健康產品行業要有「心」,需時間浸淫        「創意」:了解顧客情況,發揮創意,推銷產品。如曾有顧客家中無地方放按摩椅,提議對方換高架牀後,顧客真的照做,再次回來光顧。        企管達人本報記者

引用: http://news.hkheadline.com/dailynews/headline_news_detail_columnist.asp?id=232729&section_name=wtt&kw=78