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這個學者五月的確說台灣疫情爆發原因之一是 complacent，可以說自滿鬆懈安於現況，但看不出什麼故意謾罵的意思，如今她對台灣扭轉劣勢也讚譽有加。這是算什麼大改口？難道台灣禁不起外人一點批評，甚至只是旁觀的評論？
我不知道這個學者是誰，無從判斷她是不是以往對台灣有偏見惡意，若是那就另當別論。但點進去看這則新聞，我確定發新聞的人也不知道，為什麼這樣下筆？為什麼這叫酸？因為可以激起民族情緒？
有些媒體的小編根本什麼也不懂吧。
EVERYONE wants to retire comfortably. However, it would be difficult to enjoy your golden years without any worries if you do not have sufficient funds to support yourself during retirement.
While many are complacent with their retirement savings that have been set aside through their mandatory retirement contribution, it may not be enough to sustain you throughout your retirement years. Moreover, you may even find it difficult to earn an income to replenish your savings and cover any shortfalls once you have retired. Therefore, you need to save and invest to generate multiple sources of income during retirement.
The following are some other reasons why you should take steps to bolster your retirement fund today.
1. Long-term sustainability
Malaysians have a rising life expectancy, thanks to medical advancements, and this means that you will need to support yourself for a longer retirement period. At the same time, healthcare costs are escalating, which can lead to increased costs in retirement. As such, you need to take these factors into consideration when planning for your retirement.
2. Be self-reliant
As family sizes may have become smaller nowadays, it will take a lot more for children to support their parents during their retirement. You do not have to be a financial burden on your loved ones, especially as your children may have their own family to support, when you are able to generate your own income through your savings and investments.
3. Manage the impact of inflation
Inflation will erode your retirement fund as the value of your money today will not be the same in the future. By having a diversified savings and investment portfolio, you may hedge against the effects of inflation to protect your retirement fund.
To supplement your retirement savings for your future self, you may consider contributing into private retirement scheme (PRS) funds. Apart from building an additional income stream, you can also enjoy up to RM3,000 tax relief per year until 2025 and have peace of mind as your money in PRS will be protected from creditors.
#unittrust
#unittrustconsultant
#moneyworkforyou
淺談世界各地公共衛生措施成效
【香港】
1. 買BNT疫苗速度買得算快，不過可惜的是接種率並不高、大抵是因為非Pfizer廠而是復星OEM，市民欠缺信心。雖然理論上過到衛生署就應該質素上無大問題，但今時今日市民對政府部門仲有幾多信心，大家心知肚明。
*讀者補充首批貨為德國原廠，我認為歸根究底仍然是香港市民對政府的信任危機。另外都有不少市民大概因為香港控制得幾好而想睇定d再打。
**再加上世界各國邊境未開，即刻打疫苗的誘因並不大。如果打完可以去日本不用隔離，相信好多人會衝去打
2. 另外科興愈來愈多研究發現無足夠保護力，要補打BNT，當初狂推老人打科興，打完無保護力中招死亡率最高的又是老人。（但老人們似乎又好buy科興）。花了一筆錢同資源幫一大班人打完疫苗，之後卻要打BNT booster仲要不知混針打booster的效果和風險，執屎需時良久。更加重要的是日後的疫苗護照和Restriction exemption等等，到時認不認科興，定要打埋BNT booster先認？這將會是一大難題
3. AZ疫苗因為罕見的Vaccine induced immune thrombotic thrombocytopenia（VITTS）令不少人卻步，基本上都不用期望香港人會打，有大量BNT貨的情況下，亦無急切引入AZ的需要。（但somehow又好多人去打無乜保護力的科興）
4. 病毒檢測效能當初相當慢，但隨著時間慢慢提升至可以catch up contact tracing。快速地得到檢測結果極為重要，如果你驗完一個人要等成48小時先有結果，其實你就delay了contact tracing亦delay埋isolation同其他close contact的化驗同isolation （呢點台灣做得不太好）
5. 口罩令當初原意是好，但大家都知當執法部門已經再無信用的時候，權力使人腐敗，放任權力後便很難收回。
6. 個別官員和學者企圖透過shaming tactics去令市民打疫苗，在媒體上call out因不同原因延遲接種疫苗的市民，說他們應感到羞恥。They need to go back to introduction to public health, shaming and labeling never works, at least not in the long run
Overall 香港做得幾好，實在有賴香港人自發防疫和警惕病毒的awareness。If anything, we should be proud of ourselves, not ashamed.
===================================
【台灣】
1. 原本的防疫模範國家，從二百幾天無本地個案突然爆出雙北爆發，延至全國。當初大家都說台灣只會為世界示範一次兩周內清零，大抵反映大家對這病毒的不認識。當初防疫做得好，馬照跑舞照跳，似乎不能避免地令大家變得complacent
2. 疫苗買到2046都未買到足夠數量。這有多種原因，政治原因比較大
無他，一來歐美各國一定會傾向留大部分的產量給自己國家。
BNT跟不同廠商共同開發/OEM，跟Pfizer主要歐美業務，而中國則同復星簽約OEM。有趣的是合約的中國境內包括了香港和台灣，這大概反映為什麼台灣買極都買不到Pfizer的BNT，Pfizer不可能違反協議自行和台灣簽約賣疫苗，同時台灣大概不想直接跟復星買，因為這某程度想同意了「台灣」為中國一部分，這有關國家主權的重大決定，令台灣遲遲都未買疫苗（到最後要靠商人出手非官方式地購買，引來打手瘋狂追擊）
AZ當初便允許Pandemic期間的首30億劑於成本價發售，任何想自己搵廠OEM的都可以申請（如澳洲就自己OEM AZ，不過太focus一間廠就會出事，待會再講澳洲）。當初聽聞AZ有搵台灣廠做OEM，但somehow台灣無簽到，可能當初覺得？難以提供足夠產能？頭大半年無個案令疫苗未有急切性？想等自己國產疫苗臨床試驗結果
無論如何，台灣政府在買疫苗方面的確做得不好，當初並未考慮到分散投資的重要性，大抵是沒想過會突然爆發吧。幸而有日本捐AZ、美國捐250萬劑Moderna再於2022-23加賣上千萬劑，否則可能要更依賴復星廠的BNT，令兩國國際關係變得更曖昧
3. 驗病毒的產能搞到2046都未提升
台灣上個月便出現了驗病毒速度跟不上民眾化驗的數量。如香港的Point 4，驗不切便延後了contact tracing和isolation，令更多可能已感染的close contact在不知情下在社區遊走從而感染更多人。這令更多人需要檢測，vicious cycle
這令「校正回歸」成為媒體新寵，更加重民眾憂慮的問題。
疫情爆發一年多，卻遲遲未能提升驗病毒的產能，這反映政府其實從來無預過台灣會爆發，跟Point 2一樣。
4. 台灣不少民眾民智未開 （講這點大概會被鞭屍）
台灣一些民眾真的要多點國際視野，網絡世界不難發現不少民眾都一副財大氣粗的覺得有錢就可以買到疫苗。
首先，BNT又好，Pfizer又好，AZ又好，Modern定J&J都好，均為歐美各國的藥廠研發的，各國政府當然會先跟自己國家的藥廠達成協議把疫苗先留給自己，多餘的產能才賣給外國。又或是像AZ讓各國藥廠成本價生產的話你可以自己OEM製作。
另外，台灣在國際社會的地方仍然是微乎其微，到底你有什麼影響力要人家prioritize賣你疫苗？藥廠賣疫苗除了錢，一定有商討到不少將來跟各國的deals，跟台灣的deals到底在哪裡？更可能要面對跟台灣做生意的風險。
另外台灣健保是notoriously known，一些藥廠什至不想跟台灣做生意，到底有什麼誘因去令藥廠優先賣疫苗給你？論道德論理的話，台灣未算爆發嚴重，相比起其他每天上萬宗個案的國家，賣給那些國家還可能更有迫切性。
如果要講出錢買疫苗的話，價高者得的話，大抵也拼不過新加坡和香港。
面對種種買疫苗的難關，台灣不少民眾仍然覺得AZ是毒針打完會血栓、本土自家製造的疫苗不想打，想要打歐美國產的疫苗。
這未免太不認清台灣的國際地位和現階段的bargaining power
You don’t really have many options
================================
澳洲和英國視乎大家有沒有興趣，再一起淺談
《愛情怎麼了嗎》：遇見你是幸福的，只是幸福的代價太高了。
「那一年，你突然宣告離開，留下我一個人，還有空盪盪的房間。那些想不透的問題，如今早已不重要；那些解不開的心結，如今早已釋懷。雖然做不成情人，就連朋友也沒必要再當。我們回到兩條平行世界，重回原來的生活，好似什麼事情都發生過，而那個人從不打算搬出自己的心房。
幾年過去了，我學會更獨立的生活，我曾以為你早已離我遠去，但其實，你一直都在。每到夜深人靜、午夜夢迴，才發現，你始終住在自己內心深處。原來，愛上你的代價是如此的大，或許，這輩子我是無法忘記你了。那年短暫的幸福，如今成了永恆，我會永遠記得你，那個可愛的你。」
-by a day magazine
#愛情怎麼了嗎
#盧廣仲
#温詠傑
●IG: alvinwanwingkit
https://www.instagram.com/alvinwanwingkit/
●facebook: alvin wan
https://www.facebook.com/alvinwanwingkit
──────────❤歌詞Lyrics❤──────────
作詞：盧廣仲, 討海人
作曲：盧廣仲
愛情怎麼了嗎
等不到你的擁抱
習慣這樣 就算得不到回答
愛你 怎麼了嗎
夏天好像不曾離開
一定是因為你太可愛
傍晚 迎面微風吹來
拉著你的手彎
這一秒 生日願望已圓滿
後來的你越飛越遠
剩下我自己留在原點
如果 時光能夠倒退
我想回到那天
看著你 無憂慮的臉
愛情怎麼了嗎
為什麼說不出話
擁有一種自我感覺良好 的信仰 不能嗎
愛情怎麼了嗎
好渴望你的擁抱
習慣這樣 就算得不到回答
愛你怎麼了嗎
怎麼了嗎
為你遼闊的天空 可惜你忘了抬頭看我
世界怎麼了嗎
我們怎麼了嗎
怎麼了嗎
為什麼說不出話
你就是讓我自我感覺良好 的信仰 不能嗎
愛情怎麼了嗎
愛情怎麼了嗎
就算這樣 一切只剩我想像
愛你 不用回答
It's been everyone's favourite lately.
Your love for Chanel and Hermes and all things pretty hahaha
We're a little hesitant to do an Hermes vlog 'cos there's usually some negative feedback. Of course the positive responses, those of you who want us to film Hermes totally outweigh the baddies hahaha
Thank you all for jumping to our side to show your support, it's your encouragement that keep us vlogging and making more content.
There has been a slowdown in the increase the COVID-19 cases in HK, but we shouldn't ease up too soon. I'm sure the situation is similar all over the world. We can't get complacent and we can't be careless. Only with discipline and a lot of teamwork☺️ can we look after ourselves and look after each other.
1:15 Wandler
2:54 Yuzefi
4:27 Simon Miller
6:10 Louis Vuitton
8:12 Hermes
10:19 Tod's
#HappyWifeHappyLife #HappyGirlfriendHappyLife
#Chanel #Handbags #包包 #手袋
#Tods #Wandler #Hermes
#Yuzefi #Victorinox #SimonMiller
#StayHome #StayCalm
#StaySafe #StayHealthy #StayPositive
#LookAfterYourself #LookAfterEachOther
#KeepUpTheHardWork
CHAINS is about the imprisonment of the mind, chains of habit. This can be anything from addictions to unfounded fears. They all start as a simple, small experience and then become normal patterns of behaviour. Once they are a part of your life, they are extremely difficult to get rid of. Remember, at the end of the day we choose our own attachments in life. It is the freedom to choose your own path to believe what you want to believe in and also to be your own person.
CHAINS was written based on my personal experience, I hope it inspires everyone to let go of what holds them back. Whether if its your past or other person's judgment of you. Life is about moving on & break free! Till the next one, follow me on my socials below.
You can listen to CHAINS here :
Spotify - https://spoti.fi/35KLxhO
Apple Music - https://apple.co/2XXK4Sp
Music produced by : Ezzad (@exactesy)
Illustrated by : Arian Akif (@arianakif)
Nigel Sparks - Official Social Media (@nigelsparks)
Instagram: http://instagram.com/NigelSparks
Facebook: http://facebook.com/NigelSparks
Twitter: http://twitter.com/NigelSparks
LYRICS :
[Chorus]
Freedom is the power to choose our own chains
Freedom is the power to choose our own chains
I got 2 chains, 3 chains, lotta chains
They look at me strange
When I move on to greater things
[Verse 1]
I need more power, why u tripping I need more hours
The time is ticking, shit can turn sour
If you waste it, I done taste it, once complacent
You throw it out the window
Like your ego, start from zero
If u snooze then u lose, so fuck a pillow
I stay woke, working graveyard shifts
25, found a gold mine, Christmas gift
[Chorus]
Freedom is the power to choose our own chains
Freedom is the power to choose our own chains
I got 2 chains, 3 chains, lotta chains
They look at me strange
When I move on to greater things
[Verse 2]
All my chains heavy
But I'm born ready
The cowards never started and the weak remains lazy
The struggle don't make it bitter, all your excuses do
Greatness is a process, listen to the voice within you
What's your occupation, what's your designation
Get a job, get a life, I call that the chain reaction
What's your occupation, what's your designation
Get a job, get a life, I call that the chain reaction
[Speech]
I was once told the chains of habit are too light to be felt
Until they're too heavy to be broken
Change, change is scary but change is necessary
It is for the better or best, never the worse
I say embrace!
#FREEDOMISTHEPOWERTOCHOOSEOUROWNCHAINS #CHAINS #PROVEEMWRONG
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