關於 top up degree part time ，我們在網路上蒐集到這些相關的討論、資訊與評價

【理財個案--30歲對人生的迷茫】

你好龔成。最近做左個人生重大決定，開始令我想認真計劃以後的人生， 但有點無從入手的感覺。

先簡介一下自己 ，今年30歲，top-up degree 畢業， 在銀行做RM, 月薪$39,000。
希望在35－40歲左右轉去輕鬆少少的工作

之前買了荃灣一個單位作為投資用途， 樓價420萬，月租11,000。

加按了家人的物業，借出了450萬， 利息2.375% (其實借多左的錢＋我的60萬現金會放番在mortgage link account ， 純賺cash rebate)

預計按揭每月供款17,500
每月基本開支15,000
每月月供股票10,000

現在考慮要唔要讀一個Part time Master in economics，大概20萬。

原因是自己只是一個top-up degree, 總覺得差少少(算是有點自卑吧)，亦怕我將來想轉半政府機構時，top up degree 唔夠做入場券或對升職時有影響。

但如果現在讀master， 就會動用了放在mortgage link 的錢，覺得有點不妥。

有考慮去考CFA, 但CFA 始終不能代替master, 似乎對我的top up degree 幫助不大.

其實我的上司大部分的人都覺得讀Master 或CFA 係無用，儲的錢用來買樓或投資更好。但我只是考慮到我唔會想跑數跑一世，到我想轉輕鬆少少的職位時，學歷就會有影響。

另外，我銀行多借出來的錢，用來投資好，還是只放在mortgage link 戶口好? 如果要投資 就即係要找到一投資產品的回報高於2.375%，但似乎有難度。。

謝謝龔成花時間解答我

個案重點：

‧ 30歲，月入39000
‧ 持有一投資物業
‧ 60萬現金放於mortgage link戶口

重點目標：

‧ 35-40歲轉工
‧ 應否動用高息戶口20萬讀part times Master
‧ 60萬現金放于高息戶口還是投資

龔成老師分析：

你要分析，自己長遠想點？

你一定要從長期面，即是5年、10年後去分析，你期望當時正做甚麼工作？有怎樣的人工？過怎樣的生活？當你有左這些大前題後。

下一步，就是想想，現時支付$20萬，加上時間去讀書，是否能向著這目標出發？還是唔讀書的機會較大？

就一般的情況，除非讀完書，你可以有「好大機會」令人工及職位上的提升，否則，唔讀好過，因為我一向對學術知識都有保留，我比較喜歡學實用知識，我會學理財、投資、成功、激勵等的課程，但就無興趣去「讀上去」。

所以，你應該從長期視點去出發，然後分析讀學位對你長遠目標的影響有多大。

至於你現時投放在mortgage link的資金，其實可以將部分，投資在股票，只要穩健及屬於有收息的類別就得，例如香港電訊（6823）、置富（0778）、金沙（1928）、陽光（0435）、高息基金（3110）等。

當然，如果你無資金問題，同時可承受風險，就可以進取少少，以你年齡，投資平穩增長股+潛力股是可以的，如果不懂選股，就投資指數基金，如果是潛力型如安碩恒生科技（3067）就只能小注，同時買入時要慢慢分注。

一個人的自信，並不是靠表面的因素，你最重要找到你自己的方向、發展、強項，每個人都是獨特的，加油！

龔成老師簡介

‧ 暢銷書《股票勝經》、《選股勝經》、《年報勝經》、《50優質潛力股》、《50穩健收息股》、《50值博倍升股》、《大富翁致富藍圖》、《80後百萬富翁》、《80後2百萬富翁》、《80後3百萬富翁》、《80後千萬富翁》、《5年買樓4部曲》、《財務自由行》作者
‧ 《經濟一週》理財真人Show節目擔任致富教練
‧ 曾接受多個傳媒訪問
‧ 過往於銀行從事投資相關工作多年
‧ 曾在萬多元月薪狀態下，憑股票累積數百萬財富
‧ 於網上分享投資心得，瀏覽量過百萬，為人氣博客，解答網友理財問題逾20,000條
‧ 《經濟一週》、《華富財經》專欄作家
‧ 證券業持牌人士
‧ 股票課程導師，學生人數逾4,000人
‧ 過往10年投資成績，過半能獲利超過1倍以上
Facebook專頁「龔成」粉絲人數超過200,000人

若然你有問題想向龔成老師發問，可在龔成的fb專頁中（www.facebook.com/80shing）inbox龔成。

【國立臺灣大學 109學年度畢業典禮 貴賓致詞】
Commencement Address, National Taiwan University Commencement 2021

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巨大集團 羅祥安前執行長
Giant Group Former CEO Anthony Lo

管校長，羅副校長，各位貴賓，畢業生的家長跟朋友們，還有今天最重要的2021年臺大的畢業生，大家早安、大家好！

首先恭喜你們，今天從全世界最優秀大學之一的臺灣大學畢業了！
在過去幾年，在管校長，以「大學教改」和「國際化」的理念，率領全體師生的努力之下，臺大在全世界的能見度，和各項排名，都有顯著的進步，也讓身為校友的我們倍感光榮。

是不是我們大家一起鼓掌，給自己鼓勵一下好不好！

你們今天剛剛畢業，但是你們已經創造了臺大一項新的紀錄：第一次，沒有傳統畢業典禮的畢業生。這將是你們人生一個非常特別的回憶，也預表了你們未來將會有與眾不同的表現，和非凡的成就。

現在的世界，局勢是在東方跟西方的勢力，彼此對抗而動盪不安。而全世界的經濟活動，也因為科技的突破性創新，而受到很大的影響。不盡理想的、不盡公平的全球化，也將逐漸地變成 全球在地化。而COVID-19肆虐全球的結果，使得臺灣跟全世界，大家的生活型態、社會的結構、經濟活動的節奏都被打亂了，而必須要加以全面的整理跟重新的架構。這當然是一個危機，但是更是一個絕好的機會。所以，將你們迎面而來的，是無數的創新的機會，以及冒險卻令人興奮的全新挑戰。

因為臺灣，這是第一次跟全世界各個國家，同步的站在一個嶄新的共同起跑點上面。所以我要恭喜你們，你們躬逢其會，將要進入一個充滿希望、嶄新的時代。

我是1969年從臺大畢業的，所以我想今天就以我畢業之後的50多年，人生的一些學習和體會，來跟諸位分享，給諸位作個參考。

當我大學畢業的時候，我滿懷抱負，迫不及待地想要大展身手，我當時進入臺灣最大的貿易公司工作，但是我發現我所學的很多東西，只有一些國際貿易的實務跟英文有用，至於其他我所學習到的經營管理的很多知識，恐怕都要等到10年、20年之後，如果我有幸當上高級主管才能派上用場。

更諷刺的是，我是商學系畢業的，但是工作兩年後，我發現我真的不喜歡做商人，我也不喜歡做生意，我有興趣的是做事業。

後來，幸好我有聆聽我心裡面的微弱的聲音，決定踏進自行車業，放棄掉台北最好的貿易公司的金飯碗，而去參加在大甲一個只有38個人的小公司，來追求我的夢想。

那時候許多人認為我腦筋有問題，頭殼壞去，但現在回顧回來，我當時是做了人生一個非常好的決定。

創業的過程飽受艱辛，但是我也學到了很多寶貴的經驗：我首先學到的，是在做事之前，必須要先學做人。

人必須要誠信踏實，不能自私自利，而要利他共好。

要隨時心存感恩，尊重、關切別人。要熱愛這個世界，並且要了解到一個人的能力是有限的，而必須要去建立互信、互助的人際關係；要融入群體、要發揮團隊的精神。

在做事方面，一定要以正面積極的態度，認真努力去工作。 而且不要怕失敗，要勇於接受新的挑戰。因為如果有失敗了，那只是代表說你又更靠近成功一步了。要作中學，學中作，要虛心好奇的終身學習，開拓挑戰、追求卓越。

在這裡，我想要送給大家一個很特別的畢業禮物，就是兩個「成功的錦囊」。
第一個錦囊：不管你做什麼工作，不論你職務的高低，永遠都要站在顧客的立場，來為他們設想，還能做什麼，讓他們能夠得到更多的創新價值。

第二個錦囊：無論作什麼工作，不管你職務的高低，永遠都要站在經營者的角度來為公司設想，要做什麼，才能讓公司更健康，永續經營跟發展。

既使你們把我後面講的很多東西都忘記了，沒關係，但是這個畢業禮物你們一定要記得帶回去，因為這些「同理心」的兩個錦囊，在未來會給你們帶來意想不到的祝福！

其次我體會到，名跟利都是副產品。正產品是你成為什麼樣的人，成就什麼樣的事。當正產品是對的時候，名跟利都自然會來。

所以我鼓勵大家在找工作的時候，不要太計較開始的薪水和待遇。因為事實上，一個新人，在前面三年是很難有大的貢獻的，反過來只是公司發薪水來給你培訓而已。所以選擇一個有意義的行業，找一家你可以學習進步的好公司，這才是重要的。

第三，我學習到 知識不等於智慧。諸位都學有專精，有很多寶貴的知識，但這些知識必須要實際去做才能夠產生經驗，而累積的時候會有不同經驗的反省、學習、跟體會，尤其是從那些失敗的經 驗，才能夠漸漸地凝結成有用的智慧。
我的成長過程分成三段，開始我是一個「I」型的人，我擁有一些經營管理的基本的能力。後來因為工作的需要和我的好奇心，我漸漸地學習到技術開發、製造生產、品牌推廣、全球經營、以及行銷、服務等等寶貴的經驗，這樣漸漸地，我就形成一個「T」型的一個跨界的人才。但是到了我真正找到公司未來的使命跟方向，並且把它跟我的人生目標結合在一起，熱情的、積極去推動的時候，那時候我終於成為一個「十字架」型的一個領導者。

當公司發展得比較穩定之後，我就面臨要如何來替公司規劃願景、使命、定位，跟長期策略。在這個階段，我有一些新的體會：首先，你必須要能夠畫出一個「黃金正三角形」，正三角形是最穩定的，上面是戰略，中間是戰術，下面是戰鬥。先要有正確的戰略，才能衍伸出有效的戰術，再根據這個戰術去貫徹戰鬥的執行。換言之，戰略就是做對的事情，戰術就是對的方法，戰鬥就是用對的方法去把事情做對做好，並且不斷地去持續改善。

想要能夠思考出長期的戰略，就必須要有洞察力。

我很喜歡看地球儀，就是那種在一個架子上面，有一個可以轉動的地球模型。當你把地球轉動的時候，你看到上面每一個地方、每一個國家，它的地理位置、它的自然生態，以及你思考它的歷史的演變跟它的發展，這樣子你就能夠得出一個整體的，跟全方位的一個概念。

在思考長期戰略的時候，很不容易得出一個有突破性的一個創見，它的原因往往是因為「當局者迷」的關係。

所以當我考慮長期戰略的時候，我會把自己設想，好像從一個人造衛星上面，來觀看一個轉動的地球。以宇宙格局的高度，以全球視野的廣度，以歷史演進的長度，這樣子你就能夠以一個「旁觀者清」的姿態和角度，來正面、反面深入思考，這樣子你就可能得到一個突破性的一個解答。「世界的捷安特」跟「全球在地化」的品牌經營—這樣子的策略、願景就是這樣產生的。

另外一種洞察力，是如何推出給人們有創新價值的產品跟服務。這就要時時地站在人文跟科技的十字路口，仔細觀察它們的變化，然後活用科技的進步，為人文潛在的需求，適時地提供最佳的解決方案。捷安特的Cycling世界，就是用這種方法，不斷的推出創新價值的產品。

我們在經營上也有發展出一個特別的理念，那就是「不求第一，要作惟一」。全世界的人這麼多，但沒有兩個人的指紋是一樣的， 所以每一個人都是獨一無二、都是惟一的。可見當上帝造每一個人的時候，祂都有衪特別的計劃，而且也把成功所需要的能力跟要素，已經放在你的心中，等待你取用。所以每一個人不應該只是模仿別人，或者是按照別人的期望來生活，而應該要找出並且發揮自己的天賦，真正做自己，成為惟一，才能夠活出精采的生命。

企業也是一樣，不能隨波逐流，必須要找出什麼才是對的，什麼是合適你的，什麼才是有意義、對這個世界有貢獻的，這個才是惟一。當你精益求精，努力的想要成為惟一的時侯，你才能夠找到真正正確的目標，以及永續生存的價值。如果事事都想為第一，那麼你可能去追求很多不切實際的目標，而被你無法承受的巨大壓力所摧毀。或者，因為不擇手段，最後走上一些錯誤的道路。
在長期追求惟一的過程當中，我也得到兩個重要的體會：當你決心做一件對的事情，而且不屈不撓，勇敢堅持奮鬥的時候，全宇宙的力量都會起來幫助你。另外，把一件有意義的事情，用生命的力量把它作好，你就有可能改變這個世界！

我鼓勵你們，聆聽你們內心深處的微小的聲音，讓它引導你們，去尋找到你們的天賦，了解你們的命定。

不求第一，要作惟一。做你真正的自己，成為惟一。活出你精彩的生命，享受你幸福的人生！

很多人說，生長在臺灣的人，一輩子裡面一定要完成三項挑戰：登玉山、泳渡日月潭、還有騎自行車環島。我覺得這非常有道理。所以我建議大家在畢業以後，在去當兵、就業之前，不妨參加一個自行車環島的旅行團，用九天的時間，仔細的去體會、欣賞寶島臺灣的美好，用自行車的輪胎去親吻，這塊生你長你的美麗大地，就當作是送給你自己的一個畢業禮物吧！

那教授們跟家長們，可能會想說，啊！太可惜了，我畢業的時候沒有騎自行車環島，我現在已經五六十歲了。沒關係，你這個年紀正好來從事人生的壯遊。
我們臺大的校長－管校長，在今年的一月份，就勇敢的完成他夢寐以求的自行車環島的壯遊。我們給管爺一個掌聲好不好？

有人認為臺灣很小、沒有前途，真的是這樣嗎？世界經濟論壇每年都要把全世界的國家的實力做一個調查跟排名。讓我們來看一下臺灣的排名。全世界有235個國家，就面積來講，我們排名第137；就人口來講，第57；就經濟體來講，第21；就整體競爭力來講，排名第11；而創新力，臺灣排名第4。沒錯，臺灣的確不大，但是我們很強，我們可以很有前途！

可預見的，未來的世界將會成為美、歐、亞三區鼎力的這個新局面。就像三個圓圈，各自都以自己的利益為優先，並且彼此長期的競爭、對抗和抵制，但是同時又不得不相互的維持一些必要的連結。而在每一個圈裡面，它將持續的有很多劇烈的改變，就像一個暴風圈一樣。而這三個暴風圈連結在一起，就形成一個所謂完全風暴PERFECT STORM。

最近經濟學人雜誌，把臺灣當作封面，稱臺灣為地球上最危險的地方，但同時又是科技業最關鍵的地方。我個人倒認為，未來臺灣可能是處在一個最有利的地位，就在那三個暴風圈中間的那個颱風眼，也就是這三個圈圈彼此連結交會的中心點。這個地方看起來好像危險，其實是最安全、最有利、又是最關鍵的地方。

當三個暴風圈無可避免的，參與在一個長期的競爭、對抗、跟抵制－這樣一個零和的賽局裡面。那臺灣並不屬於任何一個圈圈，也不需要去參與這些競爭、對抗跟抵制。而可以去想說，我可以在這個關鍵的中心點，替這個世界來提供什麼樣子的創新價值的貢獻。

臺灣過去50年的努力累積了很多技術開發、製造管理、金融資本，社會資源，以及民主法治體制，這些稀有而寶貴的實力。而且如果以全世界作為舞台，那麼，能夠精通中文跟英文、能夠深切的了解東方西方的文化；有專業，又能跨界，謙卑而不自卑，自信而不自大的臺灣人，可能是全世界最優秀的人才。

未來無法被預測，但是可以被創造！30年前，有誰能夠預測到說臺灣會產生世界級的台積電跟捷安特？

台積電秉持著作惟一的理念，以全球晶圓代工的戰略，厚植實力，打造了優質高效的供應鏈，把臺灣變成一個科技島。以臺灣為核心，轉動引領全世界的半導體市場。

捷安特也秉持著作惟一的理念，以世界的捷安特，全球在地化的品牌戰略，帶領A-Team把臺灣變成全世界高級車的中心，又積極的推動Cycling的新文化，把臺灣發展成一個自行車島，以臺灣為核心，轉動引領全世界自行車的市場。
在這裡我也期許我們臺大，也能夠以作惟一這樣子的理念，轉動引領世界，變成全世界最優秀人才培養的最佳搖籃。

未來的50年，臺灣將迎來前所未有最大的機運！所以臺灣是不是應該要脫離過去單純競爭的心態，而來積極的謀求長期的未來生存之道，或者更進一步要問自己：臺灣可以為世界貢獻些什麼？臺灣不應該只是消極的「根留臺灣」，而應該更主動積極的「放眼全球、立足亞太、深根臺灣」。

臺灣過去的50年，那是一個非常艱辛跟特別的階段。很慶幸的，臺灣在那個階段裡面，是屬於勝利的這一組。

現在是應該到了必須要了解過去、深入現在、策劃未來，這個重要關鍵的時刻。要如何的以宇宙格局的高度、以全球視野的廣度、以及歷史演進的長度，衡外情，量己力，來為臺灣重新的定位，重新畫一個正確的戰略、戰術、戰鬥的黃金三角形。讓臺灣能夠真正發揮自己的長處，能夠打造創新價值的優勢，成為惟一、做Only One！要能夠創造一個更安全、更廣闊、更興盛－全新的藍海。臺灣必須要成為世界的好公民，繼續的為全世界做更多、更好的貢獻！
2021的畢業生們，在你們當中有未來國家的領導人、有全球企業的創造者、有在社會各行各業、方方面面的核心人才，所以臺灣未來50年的未來，就掌握在你們手中了。

最後，我想用一位著名科學家的名言來作結尾： Life is like riding a bicycle. To keep your balance, you must keep moving. 人生就像騎自行車，要保持你平衡最好的方法，就是繼續不斷地向前進。

你知道這是誰的名言嗎？ 沒錯，就是愛因斯坦！

2021的畢業生們，請你騎上你人生的自行車，勇敢的向前邁進，去開創你獨一無二、精彩無比的新生命跟未來。再一次，恭喜你們，並且祝福你們每一位，將來都能夠有健康、幸福、精彩跟有意義的人生！
謝謝！

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President Kuan, Executive Vice President Luo, Distinguished guests, family, friends, and most importantly, the graduating class of 2021, good morning!

First of all, congratulations! Today, you are graduating from one of the best universities in the world – National Taiwan University!

Over the last few years, President Kuan led the university forward with his vision of “educational reform” and internationalization”. Together with all the faculty and students, NTU has made significant progress in both ranking and global visibility, making us, alumni, extremely proud.

I think we deserve to give ourselves a round of applause!

You are the graduating class of 2021 and already, you have set a new record for NTU: For the first time, there will not be a traditional graduation ceremony. Let this be a very special memory of your life and a sign of the difference you will make in your future with extraordinary achievements.

The world is now in a volatile state where the East and the West are confronting each other. The world’s economic activities are also greatly affected by the breakthrough and innovations in technology. The less-than-ideal and less-than fair globalization will gradually become global localization. And as a result of COVID-19, Taiwan and the rest of the world’s lifestyle, social structure, and economy have been disrupted, and must be comprehensively reorganized and restructured. This is certainly a crisis, but in the midst of every crisis, lies great opportunity. So, what lies before you are countless opportunities for innovation, and exciting new challenges.

Because, for the first time, Taiwan is standing with the rest of the world on a new race-track. Therefore, I would like to congratulate you, you are entering a new era full of hope.

I graduated from NTU in 1969. It has been more than 50 years and today, I would like to share some of my life experiences and insights.

When I graduated from college, I was filled with ambition. I couldn’t wait to make my mark. I joined one of the largest trading companies in Taiwan, where I quickly realized the only materials I learned in school that came in handy are a little bit of international trade practices and English. Much of what I had learned about business management would only be relevant 10 or 20 years down the road, if I was lucky enough to become a senior executive.

What’s even more ironic is that I graduated with a degree in business, but after working for 2 years, I realize I really don’t like being a businessman, and I don’t like doing business. What I am actually interested in is building an enterprise.

Fortunately, I chose to listen to the faint voice in my heart and decided to enter the bicycle industry. I left my position at the best trading company in Taipei to join a small company with only 38 employees in Dajia to pursue my dream.

At the time, many people thought I must’ve broken my skull and gone crazy, but looking back, I have made a great decision in my life.

The process of starting my own enterprise has been very difficult, but I have learned many valuable lessons. The first thing I learned is that before you can do anything else, you have to learn to be a person of good character.

We must be honest, down to earth, selfless, self-serving, and altruistic for the common good.

Be grateful, respectful and caring at all times. To love the world and to understand that one person’s ability is limited and that is necessary to build interpersonal relationships of mutual trust and support; to be part of a group and to play as a team.

When it comes to work, you must work hard with a positive attitude. And don’t be afraid to fail, be brave enough to accept new challenges. Because every time you fail, it just means you are one step closer to success. Learning is an active process. We learn by doing. We must stay open-minded and curious, aspiring to lifelong learning; to explore challenges and pursue excellence.

Here I would like to give everyone a special graduation gift, which are my two tips for success:
First, always put yourself in the customer’s shoes, regardless of what you’re doing or what kind of job title you hold. Think for them, think about what else you can do to create more value for the customers.

Second, regardless of what you’re doing or what kind of job title you hold, always think about the company from the proprietor’s point of view; what can we do to build a healthier company that’s sustainable.

Even if you are going to forget everything I say later, that’ ok. Just remember to take your graduation gift at heart, because these two tips on “empathy “are sure to bring you unexpected blessings in the future!

Later on, I realized that fame and money are merely byproducts. The real product is you, what kind of person you have become and what have you achieved. When the real product is identified, fame and money will come naturally.

So I encourage you, when you look for a job, don’t be too concerned about the starting salary and benefits. Because as a matter of fact, as a newcomer, it is very difficult to make a big contribution in the first three years, so really the company is paying to give you training instead. So choose a meaningful industry and find a good company where you can improve and grow, that’s what’s important.

Thirdly, I learned that knowledge is not the same as wisdom. All of you have learned a lot and have a lot of valuable knowledge, but this knowledge must be practiced in order to produce experience, and in the process of accumulation, there will be different experiences of reflection, learning and empathy, especially from failure, slowly and surely all these experiences will be condensed into useful wisdom.

My personal development can be divided into three stages. I began as a I-shaped person with some basic skills in business management. Later on, due to my job and curiosity, I gained respected experience in technology development, manufacturing, branding, global marketing, and service and thus gradually becoming a T-shape multidisciplinary professional.

However, when I combined the future mission and direction of the company with my life goals, promoting it enthusiastically and actively, that is when I finally became a X-shape transdisciplinary leader.

Once the company became more stable, I was faced with the challenge of planning the vision, mission, positioning, and long-term strategy for the company. At this stage, I had some new insights.

First, you must be able to draw a “golden triangle”, an equilateral triangle is the most stable shape with strategy on top, tactics in the middle, and operations at the bottom. In other words, the strategy is to do the right thing, the tactics is the using the right methods, and operations is using the right methods to excel on doing the right things while constantly improving them.

To develop long-term strategies, it is necessary to have insight.

I enjoy looking at the globe, yes, the spherical model of Earth that sits on a stand and can be rotated. When you rotate the globe, you can see every place and country on it, its geographical location, its natural ecology, and you can think about its historical evolution and development, so that you can come up with an overall comprehensive concept.

When thinking about long-term strategy, it is not easy to come up with a groundbreaking idea, because “men are often blind in their own cause”

Therefore, when I think about long-term strategy, I imagine myself as if I were looking at a rotating Earth from a man-made satellite. With the height of the universe, the breadth of global vision and the length of historical evolution, you will be able think about it from the perspective of an observer, and then you may have a breakthrough. This is how the strategy and vision of “GIANT for the World” and “glocalization” brand management came about.

Another kind of insight is how to introduce the products and services to create additional value to people. This requires standing at the crossroads of humanity and technology, observing their changes carefully, and then using technological advances to provide the best solutions for the potential needs of humanity in a timely manner. This is how GIANT’s Cycling World continues to introduce innovative values to its products.

We have also developed a special philosophy in our business, which is “don’t be the first one, be the only one”. There are so many people in the world, but no two people share the same fingerprints, making each person unique and one of a kind. God created each person with purpose and has gifted us with the abilities and elements needed for success. All of which is in your heart, waiting for you to take them. Therefore, we should not just follow each other’s footstep or live under the expectations of someone else. Instead, we should find and give reigns to our talents, to truly be ourselves, to become the only one and live a brilliant life.

The same applies to businesses, you can’t just go with the flow, we must find what is right and suitable and what is meaningful and contributive to the world, this is what it means to be the only one. When you strive for excellence and strive to be the only one, you will find the right goals and the value of sustainability. If you try to be first in everything, you may pursue many unrealistic goals and either be destroyed by unbearable pressure or resort to doing whatever it takes, and end up on the wrong path.

I have learned two important lessons in my long quest to be the “only one”. When you are determined to do the right thing and you are unyielding and persistent in your struggle, the power of the universe will rise up and help you. In addition, if you do something meaningful and do it well with the power of life, you may change the world.

I urge you to listen to the small voice deep within you and let it guide you to find your talents and understand your destiny.

Do not seek to be the first but to be the only. Be true to yourself and be the only one. Live your life to the fullest and enjoy your life to the fullest!

Many people say that growing up in Taiwan, you must complete three challenges in your lifetime: climb to the top of Jade Mountain, swim across Sun Moon Lake, and ride a bike around the island. I think this is very true. Therefore, I suggest that after graduation, before you go to the military or get a job, you might as well join a bicycle tour around the island and spend nine days to carefully experience and appreciate the beauty of Taiwan. As a graduation gift to yourself, let the tires kiss the beautiful land where you were born and raised.

All the professors and parents must be thinking in regret, “Ah! Too bad! I didn’t ride my bike around the island when I graduated and now I’m already in my 50s and 60s…” But that’s okay! You are actually at the perfect age to start your adventurous life.

Our President of NTU, President Kuan bravely completed his dream bike tour around the island in January this year. Let’s give President Kuan a round of applause!

Some people think that Taiwan is small and has no future. Every year, the World Economic Forum conducts a survey and ranking of the strength of countries around the world. Let’s take a look at Taiwan’s ranking. There are 235 countries in the world and we rank 137th in terms of landmass, 57th in terms of population, 21st in terms of economy, 11th in terms of overall competitiveness, and 4th in terms of innovation. It’s true that Taiwan is not big, but we are strong and we have a promising future.

In the foreseeable future there will become a new situation in which the United States, Europe and Asia will be the three focal regions. Just like three circles, each of which prioritizes its own interests and is in long-term competition, confrontation and resistance, but at the same time has to maintain some necessary links with each other. And in each circle, drastic changes will be endless, just like a storm circle. These three storm circles are linked together to form a so-called PERFECT STORM.

The Economist magazine recently featured Taiwan on its cover, calling it the most dangerous place on earth, but at the same time the most critical place for the technology industry. Personally, I think that Taiwan may be in the most favorable position in the future, right in the middle of the three storm circles, the eye of the typhoon, which is the center point where these three circles are connected. This place seems dangerous, but in fact it is the safest, most favorable, and most critical place.

When the three storm circles are inevitably involved in a long-term competition, confrontation, and boycott - a zero-sum game. Taiwan does not belong to any of these circles, nor does it need to participate in these competitions, confrontations, and boycotts. Instead, situated in this critical position, I should begin to think about what kind of innovative value I can provide to the world.

Taiwan's efforts over the past 50 years have accumulated many rare and valuable strengths in technology development, manufacturing management, financial capital, social resources, and the democratic rule of law system. If the world is our stage, Taiwanese people who are proficient in Chinese and English, who have a deep understanding of Eastern and Western cultures, who are professional, who can cross borders, who are humble but not inferior, and who are confident but not arrogant, may be the best talents in the world.

The future cannot be predicted, but it can be created! 30 years ago, who could have predicted that Taiwan would produce globally renowned TSMC and GIANT?
TSMC is committed to the concept of being the only one, and has built up its strengths with its global foundry strategy, creating a high-quality and efficient supply chain and turning Taiwan into a technology island. With Taiwan as the core, TSMC is leading the worldwide semiconductor market.

GIANT also upholds the concept of "Be the only one" and leads the A-Team to turn Taiwan into the center of the world's premium bikes with the brand strategy of globalization and localization, and actively promotes the new culture of cycling, developing Taiwan into a cycling island and leading the world's cycling market with Taiwan as the core.

Here I also hope that we, NTU, can also lead the world with the concept of being the only one, and become the best cradle for the cultivation of the best talents in the world.

In the next 50 years, Taiwan will have the greatest opportunity ever! Therefore, Taiwan should get rid of the simple competitive mentality of the past and actively seek the long-term survival of the future, or go even further and ask itself: What can Taiwan contribute to the world? Taiwan should not just "secure Taiwan" in a conservative way, but should be more proactive with global outlook and establish a foothold in the Asia Pacific.

The last 50 years, for Taiwan, has been very difficult and significant. Fortunately, Taiwan pulled through and came out as one of the winners.

Now is the crucial moment to understand the past, delve into the present, and plan for the future. We must take the height of the universe, the breadth of our global vision, and the length of historical evolution, weigh the external situation, and measure our own strengths to reposition Taiwan and draw the golden triangle of strategy, tactics, and operations. Taiwan should be able to give full play to its strengths, create innovative value, and become the only one! Taiwan must become a good citizen of the world and continue to make more and better contributions to the world!

Graduates of 2021, among you are the future leaders of the country, the creators of global enterprises, and the core talents in all walks of life, the future is in your hands.
Finally, I would like to conclude with a quote from a famous scientist: Life is like riding a bicycle. To keep your balance, you must keep moving.

Do you know who this quote belongs to? That's right, Einstein!

Graduates of 2021, please get ready for your life adventure, get on your bikes and peddle courageously forward to create your own unique and exciting future. Again, congratulations and best wishes to each and every one of you for a healthy, happy, and meaningful life!

Thank you!

詳見：
https://www.facebook.com/NTUCommencement/posts/2718162161807541

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#臺灣大學 #畢業典禮 #NTUCommencement2021 #貴賓致詞 #羅祥安

[時事英文] Why We Should Wear Masks

《紐約時報》的一篇觀點文章，強調了清晰的公眾傳播之必要性，以及戴口罩的好處。可以跟國外的朋友分享~

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As the pandemic rages on, there will be many difficult messages for the public. Unfortunately, the top-down conversation around masks has become a case study in how not to communicate with the public, especially now that the traditional gatekeepers like media and health authorities have much less control. The message became counterproductive and may have encouraged even more hoarding because it seemed as though authorities were shaping the message around managing the scarcity rather than confronting the reality of the situation.

1. rage on 肆虐
2. top-down (adj.) 自上而下
3. a case study 研究案例
4. become counterproductive 變得適得其反
5. hoard food and supplies 囤積食品和日用品
6. manage the scarcity of… 管理……的稀缺
7. confront the reality of the situation 正視實際情況

隨著大流行病的肆虐，將會有更多不利於公眾的消息。不幸的是，由政府主導的與口罩相關的對話，已成為如何不與公眾交流的研究案例，尤其是在媒體與衛生當局等傳統守門人的控制權已大大降低的今日。該訊息反而適得其反，並可能鼓勵了更多物資的囤積，因為當局所釋出的訊息，似乎是在管制稀缺物資，而與實際情況相抗衡。

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First, many health experts, including the surgeon general of the United States, told the public simultaneously that masks weren’t necessary for protecting the general public and that health care workers needed the dwindling supply. This contradiction confuses an ordinary listener. How do these masks magically protect the wearers only and only if they work in a particular field?

8. health experts 衛生專家
9. the Surgeon General of the United States 美國衛生部部長
10. protect the general public 保護大眾
11. dwindling supply 減少的供應量

首先，包括美國衛生部部長在內的許多衛生專家向公眾表示，對一般民眾而言，口罩並非必要的防護措施，同時醫護人員所需的用品也愈來愈少。這矛盾的說法令聽眾困惑。難道只有特定領域的佩戴者，才能使口罩神奇地發揮效用？

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Second, there were attempts to bolster the first message, that ordinary people didn’t need masks, by telling people that masks, especially medical-grade respirator masks (such as the N95 masks), needed proper fitting and that ordinary people without such fitting wouldn’t benefit. This message was also deeply counterproductive. Many people also wash their hands wrong, but we don’t respond to that by telling them not to bother. Instead, we provide instructions; we post signs in bathrooms; we help people sing songs that time their hand-washing. Telling people they can’t possibly figure out how to wear a mask properly isn’t a winning message.

12. attempts (n.) to bolster... 試圖支持...
13. medical-grade respirator masks 醫用級的防護型口罩
14. deeply counterproductive 極其不當
15. not bother to do something 不願做某事*
16. figure out 釐清

*(not) bother to do something: https://www.ldoceonline.com/dictionary/bother

其次，為了加強上述說法的說服力，他們更進一步指出：醫用級的防護型口罩（ 如N95口罩）需搭配適當的裝備，在沒有適當裝備的情況下，此類口罩無法對普通民眾起到有效的防護作用。這簡直是一派胡言。許多人的洗手方式也是錯的，但我們並不會告訴他們不要洗手。事實上，我們提供相關指示；我們在廁所張貼宣傳標語；我們教大家唱歌以確保洗手的時間。說人們無法搞清楚配戴口罩的正確方式，並非一個有利的宣示。

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Third, of course masks work — maybe not perfectly and not all to the same degree, but they provide some protection. Their use has always been advised as part of the standard response to being around infected people, especially for people who may be vulnerable. World Health Organization officials wear masks during their news briefings. That was the reason I had bought a few in early January — I had been conducting research in Hong Kong, which has a lot of contact with mainland China, and expected to go back. I had studied and taught about the sociology of pandemics and knew from the SARS experience in 2003 that health officials in many high-risk Asian countries had advised wearing masks.

17. to the same degree 在同一程度上
18. provide some protection 提供一些保護
19. the standard response to something 對某事的標準對策
20. news briefings 新聞發布會
21. conduct research 進行研究
22. the sociology of pandemics 流行病社會學
23. advise wearing masks 建議配戴口罩

第三，口罩當然有用——儘管不完美，效果也不盡相同，但它們確實能提供防護。戴口罩一直是置身感染者周圍的標準對策之一，對於易感染群體更是如此。世界衛生組織的官員在新聞發布會上也戴著口罩。這就是我一月初買了些許口罩的原因——我先前在香港作研究，因此與中國大陸多所接觸。我研究過也教過流行病社會學，從2003年SARS的經驗中得知，許多高風險的亞洲國家的衛生官員都建議佩戴口罩。

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Fourth, the W.H.O. and the C.D.C. told the public to wear masks if they were sick. However, there is increasing evidence of asymptomatic transmission, especially through younger people who have milder cases and don’t know they are sick but are still infectious. Since the W.H.O. and the C.D.C. do say that masks lessen the chances that infected people will infect others, then everyone should use masks. If the public is told that only the sick people are to wear masks, then those who do wear them will be stigmatized and people may well avoid wearing them if it screams “I’m sick.” Further, it’s very difficult to be tested for Covid-19 in the United States. How are people supposed to know for sure when to mask up?

24. there is increasing evidence of 愈來愈多的證據表明
25. asymptomatic transmission 無症狀傳染
26. mild cases 輕微的案例
27. be stigmatized 被羞辱, 被侮辱
28. be supposed to 應該*

*https://www.merriam-webster.com/dictionary/be%20supposed%20to
Video: https://www.youtube.com/watch?v=GebRh9T-zE0

第四，世界衛生組織與疾控中心都曾告訴民眾，如果生病了就要戴口罩。然而，已有愈來愈多的證據顯示無症狀的傳播，尤其是輕症的年輕人並不知道自己生病了，卻仍具有傳染性。鑑於世界衛生組織與疾控中心都已明確說過，口罩會降低人傳人的機會，那麼每個人都該戴口罩。如果大眾被告知，只有病人才需要戴口罩，那麼戴口罩的人就會被污名化，人們或許會盡可能地避免戴口罩，畢竟戴著口罩就像在街上大喊——「我生病了」。更無消說在美國檢測新型冠狀病毒已是件非常困難的事了。民眾到底要怎麼確定何時該戴起口罩？

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Fifth, places like Hong Kong and Taiwan that jumped to action early with social distancing and universal mask wearing have the pandemic under much greater control, despite having significant travel from mainland China. In fact, Taiwan responded to the coronavirus by immediately ramping up mask production.

29. jump to action 即刻行動
30. have something under control 使某事在掌控之中
31. ramp up 提升
32. mask production 口罩產量

第五，像及早採取行動的香港與臺灣，保持社交距離並讓全民戴著口罩，而使疫情得到極大的控制，即便有不少中國大陸的旅客前往。事實上，臺灣在第一時間就提升口罩的產量以應對武漢肺炎。

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Sixth, masks are an important signal that it’s not business as usual as well as an act of solidarity. Pandemics require us to change our behavior — our socialization, hygiene, work and more — collectively, and knowing our fellow citizens are on board is important for all efforts.

33. an important signal 一個重要的訊號
34. business as usual 一切照舊
35. an act of solidarity 團結行動
36. be on board 參與*

*be on board: be a part of a group or team, especially for a special purpose
https://bit.ly/39hJvqD

第六，口罩是一個重要的訊號，表明情況一反常態，需要全民團結行動。疫情使我們集體改變行為——社交、環境衛生與工作等，並了解每位同胞的參與對所有努力都至關重要。

★★★★★★★★★★★★

Finally, providing top-down guidance with such obvious contradictions backfires exactly because lack of trust is what fuels hoarding and misinformation. It used to be said that back in the Soviet Union, if there was a line, you first got in line and then figured out what the line was for — people knew that there were going to be shortages and that the authorities often lied, so they hoarded. And when people feel as though they may not be getting the full truth from the authorities, snake-oil sellers and price gougers have an easier time.

37. an obvious contradiction 一個明顯的矛盾
38. backfire （計劃）產生適得其反的結果；產生反效果
39. the lack of trust 缺乏信任
40. fuel (v.) 刺激；激起
41. get the full truth 得到全部的真相
42. snake oil salesman 黑心推銷員（19世紀時「snake-oil」號稱有治百病的功效，後引申作「誇大不實的廣告」，故「snake oil salesman」係指「黑心推銷員」。）
43. price gouger 哄抬價格者
44. have an easy time 日子過得輕鬆舒坦；好過

最後，政府提供如此矛盾的指引，必會適得其反，因為缺乏信任反倒會助長囤糧與假消息。曾有人說，在蘇聯，如果看見一條人龍，你要先排進隊伍，然後再弄清楚大家是在排什麼——人們知道物資將會短缺，而當局經常撒謊，所以他們必須囤糧。當人們察覺當局似乎沒有給出全部的真相時，黑心推銷員與哄抬價格者的日子將過得較以往滋潤。

★★★★★★★★★★★★

Given that there is indeed a mask shortage and that medical workers absolutely do need these masks more, what should the authorities have said? The full painful truth. Despite warnings from experts for decades, especially after the near miss of SARS, we still weren’t prepared for this pandemic, and we did not ramp up domestic production when we could, and now there’s a mask shortage — and that’s disastrous because our front line health care workers deserve the best protection. Besides, if they fall ill, we will all be doomed.

45. the painful truth 殘酷的真相
46. frontline healthcare workers 第一線的醫護人員
47. deserve the best 值得最好的

鑑於口罩確實短缺而醫護人員也絕對更需要口罩，那麼當局該怎麼說？當然是要吐出所有的真相。儘管數十年來一直有專家發出的警告，尤其是在SARS消失後，我們依舊沒有為這種全球性的大流行病做好準備，當我們還有餘裕時，我們也沒有提升國內的產量，如今口罩短缺——那是災難性的，因為我們的前線醫護人員應該得到最好的防護。 況且，如果他們病倒了，我們將必死無疑。

★★★★★★★★★★★★

Research shows that during disasters, people can show strikingly altruistic behavior, but interventions by authorities can backfire if they fuel mistrust or treat the public as an adversary rather than people who will step up if treated with respect. Given that even homemade masks may work better than no masks, wearing them might be something to direct people to do while they stay at home more, as we all should. We will no doubt face many challenges as the pandemic moves through our societies, and people will need to cooperate. The sooner we create the conditions under which such cooperation can bloom, the better off we all will be.

48. research shows that… 研究表明……
49. altruistic behavior 利他的行為
50. fuel mistrust 激起不信任
51. treat…as an adversary 如敵人般對待……
52. be treated with respect 受到尊敬
53. no doubt 毫無疑問

研究表明，在災難期間，人們會呈現出顯著的利他行為，但若當局的干預助長了不信任，或者如敵人般地對待公眾，那麼將會適得其反。有鑑於自製的口罩可能都好過沒有口罩，所以戴著口罩可能是人們待在家裡時更要做的事，我們也該如此。毫無疑問，隨著疫情在社會的蔓延，我們將面臨許多挑戰，人們將需要合作。我們愈早為合作創造出有利的條件，就能愈早走出困境。

完整報導: https://nyti.ms/2xqVXa

讀者評語: https://bit.ly/2xschre

圖片來源: https://bit.ly/3agVkyE

延伸閱讀: https://s.nikkei.com/2WHNZEw

★★★★★★★★★★★★

時事英文大全: http://bit.ly/2WtAqop

上一週的「時事英文」講義和使用方式: https://bit.ly/3a9rr38

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Please understand that by watching Dan’s videos or enrolling in his programs does not mean you’ll get results close to what he’s been able to do (or do anything for that matter).

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Most people who watch his videos or enroll in his programs get the “how to” but never take action with the information. Dan is only sharing what has worked for him and his students.

Your results are dependent on many factors… including but not limited to your ability to work hard, commit yourself, and do whatever it takes.

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This video is about 5 Copywriting Tips For Beginners
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Not long ago, Dan Lok was just a poor immigrant boy. He had nothing but a strong desire to get out of debt and make enough to provide for his single mom. With this strong desire, Dan quit his job as a grocery bagger. He dropped out of college. And he became an entrepreneur.

After 13 failed businesses, Dan finally became a self-made millionaire at age 27 and multi-millionaire by age 30.

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#DanLok #SideHustles #SideMoney

Please understand that by watching Dan’s videos or enrolling in his programs does not mean you’ll get results close to what he’s been able to do (or do anything for that matter).

He’s been in business for over 20 years and his results are not typical.

Most people who watch his videos or enroll in his programs get the “how to” but never take action with the information. Dan is only sharing what has worked for him and his students.

Your results are dependent on many factors… including but not limited to your ability to work hard, commit yourself, and do whatever it takes.

Entering any business is going to involve a level of risk as well as massive commitment and action. If you're not willing to accept that, please DO NOT WATCH DAN’S VIDEOS OR SIGN UP FOR ONE OF HIS PROGRAMS.

This video is about The 7 BEST Side Hustles That Pay $20 - $200 Per Hour
https://youtu.be/3vM1jSVHdLs
https://youtu.be/3vM1jSVHdLs

ヴェクスター125の３ヵ月後に、150cc版が発売。こういったミドルクラススクーターは、ヨーロッパではポピュラーだが、日本ではあまりパッとしないカテゴリー。実際、日本ではスズキしか発売していない。
外観はスタンダードなスクータースタイルながら、未来的なデザイン。車体サイズは原付より１まわり大きい程度で、取り回しは良い。しかし、これで高速道路を走るのは辛いかも。街乗りがメインで、たまに高速を乗りたい、という人向け？
ヴェクスター(VECSTAR) It is the motorcycle of the motor scooter type that は, Suzuki produce it, and it sold.
ヴェクスター was released as a medium-sized motor scooter in 1994. By displacement volume, as for ヴェクスター 150, 125 is sorted to two kinds of mopeds by light two of them.

The engine is small in comparison with the big motor scooter of the 250cc class which is 4 cycles 152cc (124cc). By it, I get the good point of the sumo wrestler's loincloth which is near to 50cc moped motor scooter (radius of gyration 1.9m at the minimum). It is said with the practical use car which turned though parking expands, and easiness of, the good point of the mileage do town riding as a substitute for foot of the everyday life an implication. Because 150 is light 2, as well as it, the run of the highway is possible.

125 became the production end by release of address V125, and 150 became the production end with emission control reinforcement in August, 2007.

The equipment

The headlight of unique shape is equipped with two 30W /30W krypton valve lights and, in comparison with the other vehicles of the class, secures enough light quantity. In addition, there is a position lamp centrally the front, but the meaning in the practical use is light for regular lighting a headlight.

I am equipped with both center stands and side stands.

The storing has seat bottom trunk, steering wheel bottom storage space, convenience store hook, rear carrier.
The seat bottom trunk can put a full-faced helmet helmet to the side. The steering wheel bottom box is limited to the storing of the accessory for complicated shape substantially. The footwear uses a convenience store hook sticking to the seat side widely in a flat floor and can load it with some load.

[Editing] A turn of speed

It is controlled greatly by the environment such as the degree of the vehicle, the use, but, in the case of 125, as for the cruising speed, 50-70km/h, the maximum speed are around 85-100km/h. This is 150, but there is not the big difference. The general course that the main line included is enough for these performance.

In addition, 150 can run a highway, but, as for the run for the long time, a rider and a burden to the vehicle are big because the state that is almost engine fully opening continues to cruise on a highway.

In addition, as for the initial model, the badness of the acceleration of the start was pointed out, but this was improved by a throttle position sensor and the improvement of the carburetor equipped with by a minor change of 1999.

[Editing] The mileage

It is acted on environment about the mileage, but it is often that I record the high mileage of around 30km/l. Because the fuel tank is 8 liters, in the calculation top, fuel is filled up, and runs more than 200km are possible.

Oil capacity is 0.8 liter. The maker recommends first time one month or 1,000km, 以降 1 or exchange every 6,000km.

[Editing] Ride comfort

The 50cc moped motor scooter is higher in the amount of seat than the part of the big motor scooter from the start, and I am with legs, and attention is necessary. It is a slightly bigger seat and considers the uniformity for for two people for this class, but, as a matter of course, is inferior to a big motor scooter. When the engine sound is quiet and runs in the downtown, it is rare that I give the noise damage to the outskirts unless I do extreme driving.

[Editing] An origin of the car name

The coined word that combined a vector (the German language, course, direction) with a star (a star, popularity, the future). It was named a bright image by a good point of the nuance of a word.