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16 June, 2012

You are not special. You are not exceptional.

網上看到現時在美國火紅,由一位中學校長對畢業生的演講:

You Are Not Special Commencement Speech from Wellesley High School

主題是「你並不特別」。和現代老師和家長一般的說法相反,David McCullough 直接對所有畢業生說,你們並不特別。

整個演說長達12分鐘,其中有幾段特別精彩:


我們的星球不是太陽系的中心,太陽系不是銀河的中心,銀河也不是宇宙的中心,況且天文學已証明了這宇宙是沒有中心的,因此你也不可能是世界的中心。

如果每個人都是特別的,那就沒有一個特別;如果每個人都得到一個獎杯,獎杯就變得毫無意義。

生活最甜蜜的樂趣,在於承認自己並不特別。

David McCullough 鼓勵畢業生們去做任何想做的事,不為別的,就因為熱愛而且相信它很重要。「去爬山;爬山是因為你可以看到世界,而不是讓世界可以看到你。」

其實看YouTube聽英文最厚汁原味。原文很長,現在copy and paste下來和大家分享。即使你不同意他的意見,單是學習鬼佬的寫作演說技巧已經值回票價,香港的高官,教師和所謂才子的英文水平,差十班、八班。



So here we are… commencement… life’s great forward-looking ceremony. (And don’t say, “What about weddings?” Weddings are one-sided and insufficiently effective. Weddings are bride-centric pageantry. Other than conceding to a list of unreasonable demands, the groom just stands there. No stately, hey-everybody-look-at-me procession. No being given away. No identity-changing pronouncement. And can you imagine a television show dedicated to watching guys try on tuxedos? Their fathers sitting there misty-eyed with joy and disbelief, their brothers lurking in the corner muttering with envy. Left to men, weddings would be, after limits-testing procrastination, spontaneous, almost inadvertent… during halftime… on the way to the refrigerator. And then there’s the frequency of failure: statistics tell us half of you will get divorced. A winning percentage like that’ll get you last place in the American League East. The Baltimore Orioles do better than weddings.)
But this ceremony… commencement… a commencement works every time. From this day forward… truly… in sickness and in health, through financial fiascos, through midlife crises and passably attractive sales reps at trade shows in Cincinnati, through diminishing tolerance for annoyingness, through every difference, irreconcilable and otherwise, you will stay forever graduated from high school, you and your diploma as one, ‘til death do you part.
No, commencement is life’s great ceremonial beginning, with its own attendant and highly appropriate symbolism. Fitting, for example, for this auspicious rite of passage, is where we find ourselves this afternoon, the venue. Normally, I avoid clichés like the plague, wouldn’t touch them with a ten-foot pole, but here we are on a literal level playing field. That matters. That says something. And your ceremonial costume… shapeless, uniform, one-size-fits-all. Whether male or female, tall or short, scholar or slacker, spray-tanned prom queen or intergalactic X-Box assassin, each of you is dressed, you’ll notice, exactly the same. And your diploma… but for your name, exactly the same.
All of this is as it should be, because none of you is special.
You are not special. You are not exceptional.
Contrary to what your U9 soccer trophy suggests, your glowing 7th grade report card, despite every assurance of a certain corpulent purple dinosaur, that nice Mister Rogers and your batty Aunt Sylvia, no matter how often your maternal caped crusader has swooped in to save you… you’re nothing special.
Yes, you’ve been pampered, cosseted, doted upon, helmeted, bubble-wrapped. Yes, capable adults with other things to do have held you, kissed you, fed you, wiped your mouth, wiped your bottom, trained you, taught you, tutored you, coached you, listened to you, counseled you, encouraged you, consoled you and encouraged you again. You’ve been nudged, cajoled, wheedled and implored. You’ve been feted and fawned over and called sweetie pie. Yes, you have. And, certainly, we’ve been to your games, your plays, your recitals, your science fairs. Absolutely, smiles ignite when you walk into a room, and hundreds gasp with delight at your every tweet. Why, maybe you’ve even had your picture in the Townsman. And now you’ve conquered high school… and, indisputably, here we all have gathered for you, the pride and joy of this fine community, the first to emerge from that magnificent new building…
But do not get the idea you’re anything special. Because you’re not.
The empirical evidence is everywhere, numbers even an English teacher can’t ignore. Newton, Natick, Nee… I am allowed to say Needham, yes? …that has to be two thousand high school graduates right there, give or take, and that’s just the neighborhood Ns. Across the country no fewer than 3.2 million seniors are graduating about now from more than 37,000 high schools.
That’s 37,000 valedictorians… 37,000 class presidents… 92,000 harmonizing altos… 340,000 swaggering jocks… 2,185,967 pairs of Uggs. But why limit ourselves to high school? After all, you’re leaving it. So think about this: even if you’re one in a million, on a planet of 6.8 billion that means there are nearly 7,000 people just like you. Imagine standing somewhere over there on Washington Street on Marathon Monday and watching 6,800 yous go running by. And consider for a moment the bigger picture: your planet, I’ll remind you, is not the center of its solar system, your solar system is not the center of its galaxy, your galaxy is not the center of the universe. In fact, astrophysicists assure us the universe has no center; therefore, you cannot be it. Neither can Donald Trump… which someone should tell him… although that hair is quite a phenomenon.
“But, Dave,” you cry, “Walt Whitman tells me I’m my own version of perfection! Epictetus tells me I have the spark of Zeus!” And I don’t disagree. So that makes 6.8 billion examples of perfection, 6.8 billion sparks of Zeus.
You see, if everyone is special, then no one is. If everyone gets a trophy, trophies become meaningless. In our unspoken but not so subtle Darwinian competition with one another–which springs, I think, from our fear of our own insignificance, a subset of our dread of mortality — we have of late, we Americans, to our detriment, come to love accolades more than genuine achievement. We have come to see them as the point — and we’re happy to compromise standards, or ignore reality, if we suspect that’s the quickest way, or only way, to have something to put on the mantelpiece, something to pose with, crow about, something with which to leverage ourselves into a better spot on the social totem pole.
No longer is it how you play the game, no longer is it even whether you win or lose, or learn or grow, or enjoy yourself doing it… Now it’s “So what does this get me?” As a consequence, we cheapen worthy endeavors, and building a Guatemalan medical clinic becomes more about the application to Bowdoin than the well-being of Guatemalans.
It’s an epidemic — and in its way, not even dear old Wellesley High is immune… one of the best of the 37,000 nationwide, Wellesley High School… where good is no longer good enough, where a B is the new C, and the mid-level curriculum is called Advanced College Placement. And I hope you caught me when I said “one of the best.” I said “one of the best” so we can feel better about ourselves, so we can bask in a little easy distinction, however vague and unverifiable, and count ourselves among the elite, whoever they might be, and enjoy a perceived leg up on the perceived competition. But the phrase defies logic. By definition there can be only one best. You’re it or you’re not.
If you’ve learned anything in your years here I hope it’s that education should be for, rather than material advantage, the exhilaration of learning. You’ve learned, too, I hope, as Sophocles assured us, that wisdom is the chief element of happiness. (Second is ice cream… just an fyi.) I also hope you’ve learned enough to recognize how little you know… how little you know now… at the moment… for today is just the beginning. It’s where you go from here that matters.
As you commence, then, and before you scatter to the winds, I urge you to do whatever you do for no reason other than you love it and believe in its importance. Don’t bother with work you don’t believe in any more than you would a spouse you’re not crazy about, lest you too find yourself on the wrong side of a Baltimore Orioles comparison. Resist the easy comforts of complacency, the specious glitter of materialism, the narcotic paralysis of self-satisfaction. Be worthy of your advantages.
And read… read all the time… read as a matter of principle, as a matter of self-respect. Read as a nourishing staple of life. Develop and protect a moral sensibility and demonstrate the character to apply it. Dream big. Work hard. Think for yourself. Love everything you love, everyone you love, with all your might. And do so, please, with a sense of urgency, for every tick of the clock subtracts from fewer and fewer; and as surely as there are commencements there are cessations, and you’ll be in no condition to enjoy the ceremony attendant to that eventuality no matter how delightful the afternoon.
The fulfilling life, the distinctive life, the relevant life, is an achievement, not something that will fall into your lap because you’re a nice person or mommy ordered it from the caterer. You’ll note the founding fathers took pains to secure your inalienable right to life, liberty and the pursuit of happiness–quite an active verb, “pursuit”–which leaves, I should think, little time for lying around watching parrots roller skate on Youtube.
The first President Roosevelt, the old rough rider, advocated the strenuous life. Mr. Thoreau wanted to drive life into a corner, to live deep and suck out all the marrow. The poet Mary Oliver tells us to row, row into the swirl and roil. Locally, someone… I forget who… from time to time encourages young scholars to carpe the heck out of the diem. The point is the same: get busy, have at it.
Don’t wait for inspiration or passion to find you. Get up, get out, explore, find it yourself, and grab hold with both hands. (Now, before you dash off and get your YOLO tattoo, let me point out the illogic of that trendy little expression–because you can and should live not merely once, but every day of your life.
Rather than You Only Live Once, it should be You Live Only Once… but because YLOO doesn’t have the same ring, we shrug and decide it doesn’t matter.)
None of this day-seizing, though, this YLOOing, should be interpreted as license for self-indulgence. Like accolades ought to be, the fulfilled life is a consequence, a gratifying byproduct. It’s what happens when you’re thinking about more important things.
Climb the mountain not to plant your flag, but to embrace the challenge, enjoy the air and behold the view. Climb it so you can see the world, not so the world can see you. Go to Paris to be in Paris, not to cross it off your list and congratulate yourself for being worldly. Exercise free will and creative, independent thought not for the satisfactions they will bring you, but for the good they will do others, the rest of the 6.8 billion–and those who will follow them. And then you too will discover the great and curious truth of the human experience is that selflessness is the best thing you can do for yourself. The sweetest joys of life, then, come only with the recognition that you’re not special.
Because everyone is.
Congratulations. Good luck. Make for yourselves, please, for your sake and for ours, extraordinary lives.

08 June, 2012

雷曼報告

Yahoo 新聞:4唐營議員護任志剛 雷曼報告譴責 任﹕一人難抗政治機器

雷曼報告的結論是遣責金管局和任志剛監管不力,要為整個錯失負上最終責任。

老占在香港金融界和銀行都工作了超過二十年,對此報告的反應只有兩個字,就是:白痴

首先花了三年才完成一份爛鬼報告,三年呀,仔都可以生兩個了,而且已經可以開始讀Nursery.

結論更可笑,說金管局未能阻止銀行的違規銷售,所以作為局長的任志剛應該負上所有責任。

首先聲明老占對任志剛的印象一般,不會為他講好說話(他也不需要)。但一單還一單,雷曼事件和金管局的監管基本上沒有直接關系。

沒錯,雷曼事件中的確有誤導成份,迷你債券根本不是債券,而是Credit Linked Note,連老占當時都有中招。CLN 是一種衍生工具,發行商通過 credit default swap 把信貸風險轉移到投資者身上,從而獲取較高的回報。過往 CLN 一般只是售予機構投資者,不知道是香港那個「史忽鬼」想到把 CLN 拆細,都配以迷債的名稱來吸引零售投資者。CLN 的風險雖然比一般傳統的債券高,但其實也不是那樣差,因為CLN的一般都會用一些比較高質量的抵押品。

雷曼事件最根本的原因,就是雷曼突然倒閉,令到他不能履行發行商的責任,其它原因都是次要。2008年金融海嘯前,雷曼是美國一等一的投資銀行,百年老店,任誰都沒想過他會突然倒閉。一間銀行要是倒閉了,不論高、中、低風險產品,一律都是有殺無賠。(就算賠都是有排賠)

假設迷債投資者不是給誤導,買的是雷曼的傳統債券,但最後雷曼還是倒閉了,情況會好些嗎?即使不是債券,當是匯豐銀行的定期存款吧,情況也是一樣。要是匯豐突然關門,它就沒能力履行它的責任,客戶的錢也不能收回來。(存款保障也是很有限)

要怪的,就是怪美國政府監管不力,也怪美國的住房抵押業務下滑得太快,加速雷曼執粒。

香港人越來越喜歡「問責」和賴地硬,虧了就要找人負責。下次樓價爆煲時,是否要找CY黎祭旗?

花2800萬來寫這樣的報告,不如用這筆錢來協助有需要的「苦主」更實際。


03 June, 2012

貴精不貴多

重寫此Blog時,不想又半途而廢,所以給了自己的一個承諾,就是要每天update,希望可以促使自己堅持下去。這點暫時是做到了,但礙於能力所限,很多時只是為寫兩寫,濫竽充數。(簡單說就是求求其其)

所以決定由即日開始,這Blog會改為週記,希望可以花多一點心思,提升文章的質素。

02 June, 2012

很地道的春嬌與志明

在北京回港時航班如常地延誤,在 lounge 等候期間在網上看了大半套春嬌與志明的粵語版,回到香港找了大半天網上找不到粵語版(IP address 問題),只好睇埋個普通話版。



劇情太多人講過了,不打算重覆。想說的這電影雖然目標是大陸市場,但卻非常香港化,劇中有很多只有香港人才能體會的文化和細節,其中包括:
  • 廣東話粗口
  • 帶 iPad 返大陸
  • 暗戀鄭伊健,陽光檸檬茶, 動地驚天愛燃過
  • 在K唱王馨平的別問我是誰
  • 飛機上引述「高登巴打」說第三次非禮空姐在才會被人捉
上面的情節,香港人會覺得好好笑,但有多少香港以外的人會明白?(我就唔信有多少大陸人和台灣人會明白鄭伊健和陽光檸檬茶有什麼好笑)。而且看普通話版和廣東話版,根本就是兩個截然不同 feel 的電影。


這就是本地文化。


01 June, 2012

小遊北京秀水街市場 (Beijing Silk Street Market)

老占大大話話近十幾年都出差北京幾十次,但每次都是來去沖沖,長城和天安門也只是去過一次。秀水街市場以前是北京市中心的一個類似香港女人街的市場,賣假貨出名。幾年前搬到了商場內繼續經營,越做越旺,是外國遊客到北京長城和故宮以外的必到景點(有說登長城、遊故宮、吃烤鴨、逛秀水),可惜老占老是沒機會去逛一下。今次碰巧又到北京出差,怎忙都要去秀水見識一下,順便試一下新的D3200。

秀水的地點很方便,就正正在地鐵1號線永安里站旁,在國質站步行過去也只是15分鐘:

























市場外貌:

























場內主要都是一些兩、三個店員的小商店,有點類似羅湖商業城:



































售賣貨品以服裝為主,但也有玩具和首飾等物品,清一色是A貨。所有貨品一定要講價,聽說一般是由店主開價的15%到20%講起,講到25%就差不多,談不攏就走,一般情況下店主會拉你回來扮慘平賣給你。店主也會睇人開價,例如一件原價債$300的 Adidas A貨 Tee,店主對外國人或遊客會開 $200(你應該還價$30),對本地人則會開價$80左右。老占對A貨沒啥興趣,但看到他們的議價過程倒是有趣得很。

老占本以為這些擺明賣假貨騙人的地方沒多少遊客,怎知我又錯了,場外是一車一車的旅遊巴,佔七成是外國遊客:



老外在做 Pre-shopping briefing中:
























說真的,場內賣的雖然都是A貨,但看上去質量一點卻不比正貨差。其實現在無論A貨也好,正貨也好,都是Made in China了。


最最最搞笑的,這市場大家都明知是賣A貨,但場內竟然貼滿了這些標語:

























老占真是佩服到五體投地!