經濟,財務,統計學,數理科學與政治評論

Dear American people:

  Mr. Bernanke is a great chairman of the Fed in those years because he is so smart to let the yield of ten year treasuries rise to near 3 percent by using lips service only. The signal effect of the Fed is successful this time, strarted from the March 2013.

  The action also brings out a question is what is the most suitable level of the ten year US treasuries for the USA. Many researchers think the rate should be dynamically balanced for the situation of market. A too low yield may bring some information-asymmetric lousy investments which corporations may make or others may waste on investing, but a too high yield may increase the burden of hoemowners with heavy house mortgage debts. We need a balanced act at this time. The most important issue is that the unemployment rate is still high as American people try hard to adapt themselves into another IT and industrial revolutions.

  It is a cross road that Americans face some big jump lead or revolution about the way of living. The example of mainland China these years is to use the infrastructure to increase its domestic trade activities among Chinese people or others in the country. Building those high-speed railroads becomes a big adventure for the mailnland China when they take a larger burden of those debts in the balance sheet of mainland Chinese government. China ia a much lower developed nation. It does show those infrastructures bring a lot of opportunities for the nation which are lack of higher technologies on daily necessities and well-run financial markets. The lack of higher technology makes China need to import many important key parts such as engines for its manufacture of cars. The lack of well-run financial markets and the failure of USA in 2007-2008 let China feel that it is unnecessary to increase its financial service employment and development. But we also notice that China builds its 24-hours commodities exchanges for its commodities trading. The much lower developed financial market may be the part that the US can try to join or help the future development of China. 

  From the experience of China, The USA may need high-speed railroad system this time. The goal of high-speed railroad system of the US is to shorten the trading cost and to reduce commercial barrier between many important states or cities in the USA. The more traveling between big cities can also be brought out when the USA starts its high-speed railroad infrastructure. Of course it will have substitute effects for the airplane routes, but they can have different effects just like the old day replacement effects between the airplane flights and the traditional railroad transportations. But it brings new opportunities. Those expenditures brings an important question, if the USA can afford it this time when the US debt limit is reached AGAIN.

  All those things just show how vulnerable the USA could be. That is also the reason why the USA needs a stronger monetary policy. I know it sounds strange when we talk about the "vulnerable", which means people are so easy to be scared and panic. But it is not that definition for the wise Americans. For Mr. Warren Buffet, "the vulnerable" means "the opportunity", "the vulnerable" means that there is an enormous money-making chance. If people do know how to take those chances, put their fortunes on one stuff can bring an endless wealth-making process. That is for real. That is why Mr. Buffer always talks about that the US has the most well-function financial market which is nobody can deny. The system makes people feel alive and optimistic about their future. The system is so great that everyone is so eager to be the joint force. The negative thing now becomes the positive one as the wise American people know the pros and cons of its system and know, deep inside their heart, how to use the well-function system well as they wish maybe. It is the magic part of USA where the other nation can't reach.

  We often see the higher property price go on and on in other nations, but we will never see that happen all the time in the USA because Americans always know how to cope with the situation they face in their times and always know to draw others' attention on the new situation they encounter. That is the reason why people, like Mr. Buffet, don't worry about the tremendous buying of the Fed for the US treasuries and the government-sponsored MBSs. Those buying brings the Fed tremendous interest payments and capital gains that can be recycled back to the US financial system. Mr Buffet treats those actions as one great hedge funder tries hard for huge buying those securities and makes a great fortune on those investments, but this time the benefit just goes all the way back to the every citizen of the USA.

  That is what amazes people. That is what the new definition of economics textbook is lack of. Mr. Bernanke just rewrites the economics textbook about what the monetary school of Milton Friedmans once discuss. 

Dear American people:

  It is not a cross road Americans face the first time, but I still think it is a must-be-that-way for all Americans. It is the without-holding-back quantitative easing. In the first place, the goal of QE 1 is to provide the liquidity for the US financial markets and to raise those deep-underpriced financial securities, including stocks, bonds and other public traded ones. To make a good cycle and to rebuild the faith on those financial securities are the priority of QE 1. The OT(Operational Twist) and the QE 2 are for the US homeowner who tries hard to reduce one's burden and to have more money for saving and investing. To raise the property price is the first priority of the QE 2 which makes those deep-underpriced properties to show their true nature. I think every well-knowledged scholar can't deny those QEs do fulfill those goals, but those actions of QEs are not conventional and considered to be some shocking steps we have ever seen.

  From the consequence of mainland China QEs, we know the China-QE has some side effects which include the property prices bubble shown in big Chinese cities, higher necessities prices and the metal commodities chasing, such as gold and silver. Those actions are meant to preserve people's purchasing power. Those kinds of side effect are little found in the USA because the USA has many well-run financial markets. The USA has well-run markets of derivatives which can reduce unreasonably anomalies. Also, the USA is a country with a larger output of agricultural commodities and meats. The mainland China once had lacked enough pigs to feed its own people, causing the price of pork rise into the sky in 2011 and 2012. All those things has not shown in the States because America has a decent financial market where the Fed tries hard to protect. When the property price has stabilized in the USA, the property rising seems to be a big issue to the USA again.

  A higher property price brings a variety of issues to discuss. A higher property price can encourage American families to own their houses. But the higher property price may let people choose not to own a house but to rent one. That is the reason which makes scholars confused. The goal of QE 2 is to reduce the cost of owning a house and to stop the endless falling property prices(according to the Cass-Shiller index). The QE 2 does stop the free-falling of property prices, but unfortunately the goal is not to be fulfilled to let families own their own houses when the payroll is still low and the job market is still bad in the USA. Because the USA is a free market society, the mortgage rate rises with the yield of the US ten year treasuries may become a problem. Researchers do worry about it may let US families not want to own houses. The side effects of rising yield of US treasuries are (1)The wealthy people may choose to own the treasury bonds instead to invest in the stock or other financial instruments which can promote the employment of the USA, and (2)The higher yield of US treasury may increase the burden of still fragile American family's balance sheet which decreases their pruchasing powers and deters the employment of other Americans.

  Of course, it can not be deny that the rising yield of US treasuries can restore the bad investment decisions to the normal level which may stop some disasters. The higher cost of capital leads the society avoid those lousy investments that may lead to some big troubles like the Sharp corporation in Japan. It is the belief of the British society which thinks it should keep a higher treasury yield to keep those lousy investments away and to help those retired elder people have a decent life. It is not a wrong idea, but it may not be a right one for the deep-unemployed society of the USA.

  The Chinese-QE makes their property price in big cities go even higher. The reason behind is obvious. The mainland China does not have a well-run financial market to store its wealth. The rising property price does have several bad consequences to their middle class. The first one is the middle class has to rent a house. Paying a higher rent may make them have less money to save and investment for their future. The second one is if the middle class tries hard to own a house, it doesn't mean the house price will not go down in the future when the price of house doubles or even triples its value after those years. According to the situation they face, we know the same situation may happen in the USA. It may be a minor impact when Americans have well-run financial markets that is what the China lacks.

  People in the USA can invest in the REITs or something else to share the profit of rising property prices, but those investments are still restricted by Beijing to all Chinese in the mainland China. It is undeniable if the home property price goes up even further and American families can not share the benefit. We may also see the same thing happens in the USA. The side effect is directed to the middle class of USA. That is why American people have to pay attention to their rent payments and related issues. That is the reason why scholars think it may be a good time to let the yield of US ten year Treasuries to go down a little bit and stabilize around 2.5%. The goal here is to encourage American families to own their houses as the propery price may go even higher. But the higher unemployment rate is the obstacle which stops American people to own their houses.

Dear American people:

  From the experience of national healthcare system in Taiwan, our registration fee to see a doctor is around 3 to 5 US Dollar each time, and we have to pay the treatment fee and the medicine fee and other self-covered fee like other medicare treatment for which the healthcare organization would not pay. Those fees could be covered by the private insurance policy if you have ones. Of course, as the US has higher living standard, the registration fee may be as high as around 6 to 10 USD each time, and the coverage of national healthcare system may be trimmed to some specific diseases like cough or other non-hospital-stayed treatments. In our system, teeth watching is covered but the teeth replacement is not. And the hospital-stayed coverage is limited to the 2-persons or the 4-person room and each patient just could stay in the hospital no longer than 14 days. If you want to have single-person room, the partial fee is covered and the rest is self-covered. Beyond 14-days, the self-coverage must be applied. Therefore, the private insurance policy is still an essential for ordinary people. 

  We learn that the private insurance policy is more expensive in the USA than in our country which may be due to the sophisticated treatment or more expensive one even the service is the same between both nations. That is the reason why the Americans may need a national healthcare system. It comes to some issues lately in our country, like over-used ambulance, the fee unpayment of the poors and other information asymmetric problems between the hospital (or doctor) and patients (or patients' family members). We still work on ways to solve those issues. Also, we face the shortage of doctors, like obstetric and gybecology doctors, surgical doctors and other easy-to-be-sued categories as patients may have a lot of misunderstandings or the doctor just wants to earn a little bit more (so he asks the patient to do the unnecessary treatment). Those doctors in the above categories are aged and more than fifty precent doctors are above 60 in our country as new comers from the medical school do not want to choose those categories. It just shows the low payment of our doctors and nurses since our national healthcare system works more than a decade. That is what you need to know. Do not follow our system setting and try to avoid those problems we have NOW. This time our system is doomed to collapse by itself in 15 years. We try hard to replace it with a better one. But all the rising costs faces the issue of who pays it. It is still an open question. Doctors and nurses here are full of disappointments about our healthcare system. That is not the case you should try hard to follow.

  All those regulations need a process of trial-and-error, to be honest to say, which needs some costs for the system training. If you really hope the system can work as you wish, you have to think through a lot of issues and take other country's experiences as your baseline for consideration.      

  習近平先生一個很奇怪的人,根據目前手邊的資料顯示他的個性很強硬,也很重視私人的關係,而且是個還算公道的人,只是目前看起來,習近平先生對於中國情勢與臺灣情況的掌握,似乎有非常大的誤解在其中!!

  首先,在中國西元2008年辦完奧運之後,因為中國花了非常多的錢,因此當時中國採用的是緊縮的財政與貨幣政策,原因在於必須將原來發出去的游資與人民幣回收,但因為歐美恰巧同步陷入金融風暴,外銷訂單大減,據報章雜誌的刊載,習近平先生在前往鄉下訪查時才赫然發現,中國陷入了通貨緊縮的情況,因此趕回北京,開始了中國式的QE,本人稱其為Ch-QE,這個QE遠比美國的QE 1早了一年左右,美國的QE是在Obama當選後的下一個年度才開始的!!這裡面見到了中國新領導人第一次的誤判形勢與修正!

  爾後,就比較少關於這個先生的消息,直到他以副主席的身分,去了美國紐約,當時感受到的是一個比較沉默的人,跟美國談了關於在Iran問題上中國跟美國的合作!直到他接班,很多人都去朝聖;很清楚地,在今年習先生應該又犯了一個對於臺灣情況的誤判,以為臺灣刻意讓服貿協定牛步化,其實是臺灣到現在還是沒有共識,但是中國很急,因為中國今年六月畢業了七百多萬的大學生,很多人至今都還沒有辦法上崗,因此中國希望透過跟臺灣進一步的貿易,解決境內失業的問題,只是臺灣擔心的是,會不會因為服貿協定,反倒產生更高的失業問題!而台灣的政治人物前往朝聖,可能又傳遞了不少錯誤的資訊,因此使得臺灣的政治人物,不得不在中國的面前展現很多事情,讓中國知道很多問題,片面用領導人來處理,在中國是可行的,但在臺灣,那是完全行不通的!!覺得這是習先生對於與臺灣服貿協定跟其他問題的第一次誤判,當然希望期待能夠見到習先生對於這個問題的修正!!

馬先生您好:

  您該知道為什麼有人建議您"事緩則圓",但是您的龜毛個性又來了,只能對您直搖頭!當然知道您一定會在兩年半後準時下班,就此就不管國事與黨事!您將您以為的家醜外揚,如此一來等於是讓自己的黨有點丟臉,當然知道很多事情您總是有堅持,也總是用自己知道的方式來處理,比如奢侈稅,又比如消費券,當然知道您的想法是希望市場不要太過積極交易,所以推出奢侈稅,只可惜歐美市況不佳,大家當時都很害怕,而鄰國中國又拼命印鈔票,很多人拿到了人民幣總想拼命換成美元,但是拿到的美元又沒去處,只好又拿回臺灣堆房地產,所以奢侈稅只能減緩交易,但不能阻止!!又比如您當時發消費券,其實我是真的還蠻愛這個的,現在日子有點難過說,能不能再多發幾次??當然是玩笑話!!

  想跟您說的是,您的年紀也一大把,很多事情真的是"事緩則圓",王先生真的年紀大,很多時候他也有自己的生存原則,您是穿皮鞋出身的,他是穿草鞋出身的,很多事情總難是說誰對誰錯,因為只有這樣,王先生才能生存這麼久,他的同事坐牢的坐牢,槍擊的槍擊,逃亡的逃亡,說來下場都不太好,根據李敖先生的說法,王先生的性情真的有改很多,希望您能多看他的優點,或許能否看看是不是有甚麼轉圜餘地,人家不想失去K黨黨籍,能再次斟酌一下嗎?真的不太知道為什麼您年紀這麼一大把,還在堅持一些很好笑的事情,因為臺灣從來都不是這樣運行的,在您的世界之外,很多很多的事情真的不是這樣,沒有關說與請託,很多的事情是很難很難的,總是靠著人情的相互虧欠與相互幫助,才有很多很多事情能夠運行,說過您從沒到學校或社會上過班,很多時候過度堅持自己,可能最後只好自己離職,這是社會的現實!!所以,能不能就原諒王先生,或是用其他方式來看這件事情?

  人生在世,您可能還有二三十年要活著,總不能說到老了還是這樣,應該要轉轉個性,重新用不同的方式來看這個世界,您只是希望臺灣在您的管理之下,進步一點,再往前面一點,我想在這個前提之下,政通人和是很重要的,最重要的是如何讓法案通過,讓百姓有機會變成大富翁,讓百姓有機會發揮自己的才能,所以稍微替百姓低一點頭,主要是把事情做好,才是最重要的,才是優先該做的!!至於用何種方式,其實都是其次!!不要太堅持一些有的沒的,那會讓很多事情沒辦法達到大家期望的目標!

  為了國家,該達到的目標總得要達到,不管用甚麼方法,低頭拜託別人,是很重要的,也是您該學會的,一大把年紀了,不要像小朋友一樣,那樣您跟連老先生和宋先生,又有何區別?您希望的是兩岸的協定能夠通過,您希望的是跟新加坡與後續的國家能夠簽訂類似的協定,這是您的歷史定位,所以要肚量大一點,有時自嘲一下,或許很多事情真的就是"事緩則圓"!!

  我相信您跟王先生之間或許真的有不少的誤解,但是這一切都要靠您自己來解決才行!!要加油了!!我們跟對岸中國不同的地方,就在於我們重視人權,因此終於在民意的壓力之下,軍隊的司法權回到了正規的法院當中,終於在民意的壓力之下,很多很多以前認為的不合理之處都慢慢得到解決,大家好像忘記了軍隊的司法管轄權力,是在您的任內,剛剛不久才總算得到改變,而在此之間,您既被軍隊眷村的老伯伯責怪過於軟弱,區從民意,另一方面,您又被在軍隊死亡與受害者的家屬責怪,動作太慢,讓她們的心裡面的正義無法伸張,對於這些,沒人是瞎子,大家都見到了!!同樣地,對於公立大學與研究單位的教授特別費,也是處理到大家都很怨恨,反正牽扯到私人的利益,大家都覺得自己沒有錯誤,錯的都是別人,只要是覺得被礙著了,都以為那是不對的,自己才是對的,說來也是令人搖頭!!

  對與錯,其實大家應該平心靜氣去想,很多人或許以為這樣那樣就沒有飯吃,所以本來就該如何如何,當然這樣的想法應該以不違法或是不違背良心為界線,只是其實很多很多的問題,存在的時間都是數十年之久,到您的任內一點一點都浮現出來,而您也是想辦法嘗試去解決,或許不盡如人意,但總是個解決的起點!!如果大家很不滿,實在也不知道該怎麼繼續了,畢竟希望跟對岸有生意往來,讓百姓都能安居樂業有發展,讓大家都能人盡其才,終究是一個政府該做的事情,大家希望制度透明能被監督,但是遇到跟自己的私利與私欲有關的事情,卻又希望政府不要動用法律跟該有的監督,讓自己無利可圖,說來也是荒唐,因為那樣就會造成非常不公平的現象!而您盡一切可能維護軍公教的權利,也盡一切可能盡力要求軍公教幫忙國家,這些大家也都見到,說您是獨裁,說您因為沒有朋友所以不能也不會好好治理國家,多少說明了那正規體系的軍公教跟原來的制度是無用的嗎?這些長年建立起來的制度都過時該廢除了嗎?如果真是這樣,那是不是軍公教就該大幅度的瘦身,到時造成更多社會上的失業,這些一天到晚怪東怪西的人該負責嗎?

  很多時候,平心而論,這麼多人心中有不滿,其實也都能體會,甚至想說的是自己心中也是有很多不滿意的,自己也是待業的人,但這個環境就是這樣,這個環境就是沒辦法讓有具備特定專長與能力的人,能夠找到適所的工作,能夠有發揮與創造自己的機會,唯一能做得當然只有不斷自我充實與等待,唯一能做的當然只有靜靜地繼續努力下去,難不成跟著這些人胡搞瞎搞到處抗議??畢竟社會中如果有相當多的人能夠藉著這些貿易上的協定而有所發展是重要的,如果因此讓少部分的人必須承擔這些苦,但是絕大部分的人都能獲利,終究還是要堅持做下去的!!

My Dear American fellows:

  My country, the Republic of China, the one you call it Taiwan, faces a big problem right now. I have to ask your help for this unresolved problem. All those years, I know the USA is a great nation which loves to help the innocent people all around the world. Now we need it. I really hope Americans can help us on this unresolved issue.

  Our Dean of Legislature Yuan, Mr. Wang Jing-Pin(王金平先生), accidently broke the law and asked the Minister of Justice not to recharge a specific law case. Based on this reason, his duty is relieved by our president, Mr. Ma Ying-Jeou, as Mr. Wang who was annominated by the Kuomintang(KMT). Our president, Mr. Ma, thought that Mr. Wang broke the law and used the power of the Dean, the Legislature Yuan, to ask the Minister of Justice not to charge a suspect, Mr. Ker Chien-ming(柯建銘先生), also a lawmaker of another party, the Democreatic Progressive Party (DPP). Mr. Ma thought what Mr. Wang and Mr. Ker did seriously damages our law system. Our president asked the Dean of Legislature Yuan, Mr. Wang Jing-Pin(王金平先生), to resign from his position. Unfortunately, he refused to do that. Our president, Mr. Ma Ying-jeou, had to removed Mr. Wang's party memebership which also caused the Dean lose his seat in our congress, the Legislature Yuan. Mr. Wang's seat is nominated by the KMT and the reason he can get the seat according to the total votes of our people calculated from the whole nation. As the Kunimtang(KMT) revoked his party membership, the once Dean, Mr. Wang Jing-Pin (王金平先生), lost his party membership and his seat in our Legislature Yuan. Mr. Wang also lost the title, the Dean of the Legislature Yuan. His seat losing was also reclaimed by our Central Election Commission. Mr. Wang was no longer our congressman anymore, but many people think the other way.

  Mr. Wang didn't want to surrender to the fact, he filed a lawsuit to the court to reclaim his party membership even he already lost the seat the day before yesterday. And he also used his people in the Legislature Yuan to delay the process of his own seat revocation. Mr. Wang chose not to leave his office. 

  My Dear American people, our country is in a jeopardy right now. Our country has faced a difficult situation. It may make our Legislature Yuan stop working on the law-making as each one wishes. I urge you to give us a big hand because our leaders do not know how to solve this conflict between our president and the dean of Legislature Yuan. Poeple's selfishness may cause our nation not to have the trade agreement with Mainland China passed in time. It also delay the further talk with the Singapore. It will let the world investors investing heavily in our nation to have a tremendous loss. I have to ask your help for the resolution of this situation.

  Could you send a group of people here to resolve our constitutional crisis? Mr. Wang had lost his seat in our congress, the Legislature Yuan, but he didn't want to leave. We need your help on this issue as the USA is the stronger supporter of our nation. We learn our democracy from the USA. We need your help badly. I am begging you to help us now.

  近來在T臺有一個節目談的是中國大陸的企業來臺的實況,坦白說,有點驚訝地發現很多的觀察跟上一篇文章談服貿協定的分析是完全相近的,這點其實從美國跟歐洲的經驗來看也是相符合的;因為臺灣是一個比較小的經濟體,而臺灣的物價相對於中國是非常昂貴的,這點就跟在臺灣住在臺北市的同胞,坐了好久的飛機到美國紐約去觀光的情境是相同的;因此當我們開始要去想像中國大陸要來臺灣賺臺灣百姓錢的場景,其情境就能用一個住在臺北市想去美國紐約掏金的想法,美國缺的是高品質的人才,缺的是醫生,缺的是很精熟的經濟學家,缺的是很老練的資料分析者,缺的是很有經驗的商人,缺得是能夠教育美國人正確經濟與諸多觀念的好老師,能夠販賣適當的服務與知識給特定人的商人,這是一個以服務業掛帥的國家都能見到的場景;相對上臺灣本地對於中國來說,其實也是相近的道理,除了是做出口臺灣的菸酒或是食品到中國去的陸商或陸資,其實很多大陸企業來臺灣想賺的一定也是服務業的錢;那些是他們能來本地的,乍看之下其實不少,以中國大陸相當興盛的國外就學補習產業做為例子,光是TOEFL,GMAT, GRE,這些都是中國大陸可能也可以替臺灣百姓服務的產業,因為中國自身的需求就很大,到本地開分店的邊際生產成本與邊際固定成本都是接近於零的,只是除了服務原來十數萬人的中國學生之外,另外再服務不超過兩三千個臺灣的學生,對這些公司應該是綽綽有餘,而且收的補習費用一定比較高!另外就是通訊與電信產業,很多中國的網路公司,特別是有到美國Nasdaq上市的QQ等企業,跟未來要去美國Nasdaq上市的阿里巴巴(Alibaba)等中國企業,其實都已經在臺灣出現,網路服務其實需要的只是有特定分公司與特定接電話跟網路服務的人,網路主機的管理都還是在中國大陸裡面進行,美商過往的經驗顯示,其大中華區的Call center會說中文的服務,大概都已經將據點搬到上海,而且早已長達五六年之久,在臺灣當您打電話給HP,除了臺灣自身的服務廠商之外,可能接電話與替您做軟件引導服務的都已經是中國大陸的人,從這點知道兩岸簽不簽服貿協定,其實都已經是不可逆的事情!!只是很多高價的服務,最終一定還是要聘臺灣人來做服務,您總不會期望教您的老師說的國語聽起來很奇怪吧?除非這個老師從頭到尾上課都是用英文!!

  簡單的說,中國企業要來臺灣賺到大錢,只有服務業的產值是比較高的,因為製造業跟其他產業的競爭已經是非常激烈,中國企業要能分一杯羹,還得繳很多很多的學費才行,還記得光是日本企業的啤酒廠商,最後能夠在本地生根成長的,大概也只剩下北海道札幌的那家,因此本地服務業裡面需求量小但客戶要求高的特質,中國企業不見得能夠提供這樣的服務,本地的消費者這十幾年下來已經被訓練到懂得保護自己的權益,對於中國的服務廠商其實是不小的壓力,也因此要在中國廠商要在臺灣賺到錢,並非易事!外加臺灣老百姓也很聰明,不太會說台語或是說起普通話腔調很奇怪的人,其實不太可能賺得到非常高價值的服務產值,因此中國的企業必須雇用本地勞工來賺這些錢,才可能有高產值,這已經是不爭的事情!!由此看來,有的服貿議題是假議題,只是有的卻也是真的,這點可能都還需要一項一項逐項來分析才行!

  這些那些都說明,馬政府如果早已偷偷開放對岸企業來臺,那臺灣百姓該要求的,早就不是開不開放與否,因為中國大陸早就用外商的名義來臺灣投資,臺灣該做的只有盡可能要求經濟部,提供百姓所有關於陸資在臺灣的經營實況與實際資訊,而且將其完全公開在網站上面,任何人都能夠查閱且每個月都要進行資料更新!我們唯一能做的只有請求政府盡量讓資訊公開透明化,老百姓也能自己決定要不要跟這些廠商往來!

  總的來說,臺商去中國投資金額已經高達至少一千一百億美元以上,大約是新台幣三兆三千億元以上,但中國來臺灣的投資至今據本地商業周刊的報導只有七億美金,大約是台幣兩百一十億左右,彼此相差太過懸殊;臺灣百姓要決定的是,如果是中國高幹子弟來臺灣藏錢,藉做生意的名義來買房地產與投資,那我們是不該阻止的,因為那對臺灣可說是經濟與各方面的天然防衛!當然如果怕它們過度炒作房地產,那我們的奢侈稅條例就該修改成連外商與外人的短期房地產的投資都該列入管理,對於中國大陸的資金來台,唯一能做的只有不斷提高其透明度,並且進行相關更嚴格的管理,一來能夠保護這些來臺貴客的財產安全,再者也能讓百姓知道,連中國太子黨都來了,臺灣應該沒甚麼很不安全的理由吧!!

  特別的是,很多中國大陸企業都選擇在美國的Nasdaq或是其他金融交易所上市,一但上市成功,這些中國大陸企業就可能以美國的分公司名義來臺灣投資,如此他們的身分就不再是陸資,而是美商,由此看來,要刻意區隔大陸企業與其他國家企業的投資是非常困難的,這點已經不是要不要用服不服貿協定就能禁止的,那已是正在發生的事實!!

  有人以為讓共產黨來炒作臺灣的土地跟房地產是不好的,其實我是不太喜歡回嘴,只是這裡面透露出眾人對目前政府的不信任,難道我們沒有制度??其實臺灣的股市交易透明度是很高的!!有人以為臺灣連自身的內線交易都無法控制,如何抑制中國大陸同胞來臺炒房,其實會來與能來的都已經來了;您提到的內線交易問題,可能國民黨跟民進黨的人士都多有所參與,之前大家不是還在質疑連家是否有涉入內線交易?臺灣不是向來自許為先進國家,為什麼我們對於內線交易是不敢法辦的?照道理說,內線交易在臺灣都是有法律可循的,因此本來就有法律的機制能夠制裁這些人,只是過往很多"臺灣的經驗"顯示因為內線交易的人多是有權或是有勢的人,他們或者透過金錢或者透過權勢替自己開罪,很多都是跟民進黨跟國民黨的股市立委有關,之前不是說國民黨內有某個縣市長的家人開了一家公司,大家都在傳言這個縣市長以後會飛黃騰達,因此那家公司的股價就沒來由的暴漲好幾天,而且那家公司其實基本面根本沒有甚麼大變動.這裡面只說明了臺灣的制度有,但是執行面做的不好,甚至大家對於臺灣的司法信任度也很低,那跟是不是中國大陸人士來台炒作股市與否,關係並不直接,因為那個人也可以是香港人,也可以是中東人士,也可以是美國人,之前不就有在臺灣酒駕撞死人,然後跑到英國去躲起來的印度人士,歸根究底還是我們的法律執行不佳,跟誰來買賣股票無關!

  我們向來自許臺灣的制度與觀念領先,不該畫地自限,也不該不開放,如果我們有很嚴格的法律與制度,誰來買賣房地產都是可以用稅收與其他方式加以管理的,其實這幾年炒作臺灣房地產的不是別人,是臺灣本地居民跟從中國或是其他地方回來的臺商,而會炒作房地產的原因,不外乎錢太多但不敢投入其他投資,不外乎臺灣已經沒有其他新的工業或是商業活動,所以只好炒作房地產,但是政府的反應慢,又遲遲未能按照實價課稅,因此才讓這些人有利可圖!今天還是那句老話,因為我們的制度充滿著缺陷,今天還是有可能出現美國人,中東人或是香港人來臺灣炒作房地產,之前香港來臺灣辦報紙辦媒體的黎智英不就是賺了好幾十億新台幣回香港嗎?這就說明了臺灣的制度是有缺陷的,因此才會造成這些問題!那跟是不是中國大陸人來臺灣測試臺灣有哪些制度缺陷是無關的,因為也可能是美國人,也可能是香港人,也可能是印度人來測試臺灣制度上的缺陷,並且賺了大錢回家去!所以請不要特別針對中國大陸人講這件事情,感覺上您的邏輯不太清楚說!

  還是覺得只要臺灣的制度建全,執行也健全,以英美先進國家為例,其實最後這些投資房地產的資金大多都會融入英美的社會當中,目前俄羅斯就面臨到這樣的問題,他們去美國與英國置產,今天俄羅斯與美國因為克里米亞交惡,這些俄羅斯的商人,其實是拼命將俄羅斯的錢搬出俄羅斯到英美這些國家,因為這些國家對於財產權的保障是比較徹底的,我想臺灣相對於中國大陸也是如此,因此自然這些人會拼命保護她們在臺灣的資產,這樣的推論遠比其他人的論述合理的多!!另外您提到推高臺灣的資產價格,其實臺灣已經有豪宅稅,而且臺灣的百姓早就被臺灣自己的商人跟很多不肖的臺籍人士給害慘了,這些所謂的中國大陸人士還沒來臺,臺灣的房地產早就被香港人,臺商跟臺灣找不到其他工作,所以從事炒作房地產的人士給炒高了,政府該有相對應的對策,而不該以此為理由拒絕別人來臺,臺灣的稅負相對於中國大陸較輕,因此自然可能吸引別人來此置產與逃稅!這也是馬政府當初處心積慮降稅的原因!當然那是不對的,因為根本不該亂降稅,只是再過來政府收入不足,政府也只能將原來的租稅減免都取消,政府也只能走上增稅一途,那也是自作自受!

  臺灣的學術發展,其實大多都是直接將海外已經發展過的內容與論文題材,加以修改,然後再透過請人幫忙潤飾英文,最終才完成發表與投稿的準備程序,很多臺灣獨有的金融議題,一直都不是很有人去著墨,臺灣的金融產業,其實與中國,美國,日本和歐洲都不盡相同,中國是大型國銀金融機構,美國是私有掛帥的大型金融機構,日本也是走向私有且大型化,而歐洲則是國有銀行與工會影響的綜合體,但是臺灣不是的!!回頭看,臺灣在李老先生時代曾經發生過金融風暴,爾後在陳先生的金融合併主導下,也曾遭受過外來的金融風暴襲擊,爾後因為金融監理的日趨嚴格,以及銀行中小型化當道,反倒使得本地要發生自身金融風暴的可能性越來越低,外加對於存放款與自身資本準備和流動性準備的要求越來越嚴格,以及股東對於ROE,ROA,RAROC等要求的增加,其實本地金融監理的要求是越來越高的,除了要求金融機構要有獨立董事制度,又或者就是成立內部自我監控的常設組織,這些都是本地公司法的基本內涵!!

  只是為了海外發表,或許是因為語文能力的關係,總很少人有能力將這些細節陳述的很有趣,因此也很少引起國外的注意,這是臺灣很可惜的地方,從這裡也不難看出,臺灣過往的海外學術發表都是有範本的照著拷貝,一但失去了範本,要完全原創與自行發展,就捉襟見肘,總覺得好多臺灣常發表的國際期刊,特別是商管類的學者,其作品都有國外期刊常發表學者的影子在背後,原諒這麼說,但那真的是事實!!

  最慘的地方是,很多美國名校回來的博士,在個人的接觸過程當中,相較於美國比較後面學校畢業的博士,不會教書的比例是遠比會教書的比例來得高許多,很多名校回來的老師都坦承教書是需要學習與練習的,因此備課是很重要的一件事情,但是很不幸的,很多人都沒有很仔細與細心去備課,常覺得不太知道這些人在做甚麼,很多時候常見的是張飛打岳飛,常有人覺得美國名校回來的博士感覺上比較不會教書,當然研究又另當別論,或者因為名校畢業相對上比較有人脈,因此可能在發表論文上面有點便宜可以佔,只是不少很多名校回來的博士,既不會教書,也不會做研究,其比例真的是不低!!

  總以為還是先將課備好,先將書教好來,慢慢一點一滴累積經驗,時間久了自然知道哪些研究是可以做的,哪些研究其實是浪費時間的事情,這樣總比連書都教不好,不但培養不出幾個很棒的學生,到最後書也沒教好,研究也不會做,如此看來先將書教好,感覺上是比較踏實的!!

  不是很支持服貿協定的原因,擔心的倒不是對岸來不來,臺灣的市場很小,因此對岸要來的原因必有其政治目的,要不就是掌握台灣媒體的發言權,所以希望藉此能夠對於臺灣老百姓的視與聽有一定的影響力,要不就是希望透過來臺灣做一些能夠影響臺灣百姓生活甚至是蒐集臺灣相關中國需要的情報之類的事情;簡單的說,當中國要來臺灣的目標,真的不在賺不賺錢,因為大家都知道中國的媒體與諸多相關事業,相對上只是因為屬於國營企業,所以資源豐富,但文化的內涵與深度,並不如臺灣小眾文化所累積的多元,相對上要應付這麼多不同的小眾,中國來臺灣勢必是要賠錢的,只是如果對岸擺明就不是為了賺錢而來,只是希望能夠達到它特定的目的,那對臺灣百姓來說就是場大災難!

  因為中國累積了四兆美元以上的外匯準備可能根本無需動用,在兩岸已經簽定金融機構互設之後,中國只要不斷印人民幣來臺灣換新臺幣就好,此時本地的經濟與政治都會越來越受到中國的制約,很坦白的說,那不是眾人所樂見,因為那對臺灣的自由跟民主會有一定程度的制約性!!當然知道馬先生承受了非常大的對岸壓力,只是想跟馬政府稍微提一下的是,美方的立場卻是恰恰相反的,臺灣的民主政治跟美國是相近的,如果老百姓真的不想這樣的服貿協定,那馬政府該做的就是重簽與重談,當然可能一重談就又是好多好多年,甚至原來有的好條件都消失,只是想提醒馬先生的是,重談對兩岸不見得是不好的,原因就由後面的分析慢慢來說:

  (1)中國加入WTO是用未開發國家的名義來談加入條件,在很多方面是佔盡便宜的,而西方急於打開中國的市場,希望透過這樣的方式讓中國成為國際社會的一員,甚至期待中國能夠慢慢變成比較文明的國家,這是無庸置疑的事情;但也因為這樣,使得兩岸在談很多事情的時候,明明對岸就是比較有資源與佔盡優勢的,但談判時好像變成我們因為是比較先進的國家,所以表面上看起來好像是中國在讓步,但那是錯的,這是從西方的觀點來看這件事情的謬誤!

  (2)當兩岸服貿協定,感覺上好像已經超越了中國在WTO所承諾其他國家的同時,其實臺灣犯了一個邏輯上面很明顯的錯誤,那就是西方這麼積極跟中國做生意的此時,其實西方的很多產業,早已經在中國的市場裡面有其一席之地,但是臺灣的產業其實沒有比中國先進多少,因此反倒是被磁吸!!而臺灣跟中國,相對於世界其他地方唯一不同的地方是,兩邊的語言比較沒有隔閡,甚至平心而論,對岸如果想要了解我們的文字,其實想了解的人早就了解,同樣地,我們要能讀懂簡體字並非難事;這也是臺灣同胞最擔心的地方,擔心的正是文化上的入侵與中國對臺灣的制約!!

  (3)在臺灣的電視上,很多臺灣跟中國有關或無關聯的學者專家,根本就不敢直接談與中國不友善的事情,原因就怕中國那端也能收看到這些節目,以後去中國就很難再說甚麼,從這裡就能知道臺灣有多麼害怕中國無形的壓力,當然知道這也是馬政府所擔心的,擔心跟中國在服貿協定這個部分無法交代!只是必須跟馬先生說的是,西方跟中國並沒有同語言的問題,因此西方本來就不會在意關於文化入侵的問題,德國人根本不害怕中國會用他們的報章雜誌對德國人洗腦,美國人也是,但臺灣人卻是非常害怕的!!因此這一塊不會有西方人替我們出面去談,而這一方面也是我們該堅持兩岸永遠都不能談的部分!!所以馬先生開放印刷等相關產業,絕對是件錯事!!

  (4)中國對臺灣永遠都是給小利但換大利走,臺灣的生活水準早就因為跟中國交往密切而出現低薪化的現象,馬政府不能也不該否認臺灣很多產業的低薪化跟中國是脫離不了關係的,畢竟臺灣的製造業空洞化跟移往中國生產是這幾十年以來一直都在發生的事情;而馬政府不願意跟南韓一般,堅定支持本地的諸多產業,如同當初南韓拼命支持過往快倒閉的Hynix,直到目前Hynix佔全世界Dram市佔率百分之三十以上,一直都是馬政府被以為是懲罰當初偏向民進黨這些產業領袖的主要原因;或許馬政府原來無此本意,只是害怕產品沒有出海口,但是確實讓人見到這樣的結果,當然馬政府害怕本地很多產業跟日本的Sharp與Panasonic等企業今日的情境,因此不願出手幫忙,或許也是原因之一;只是本地很多老百姓一直希望政府能夠多補助本地企業,即便不賺錢,但百姓現在能夠有口飯吃,即便最終是沒甚麼獲利,甚至最終這些產業還是一點一點的死掉,最後債留台灣金融產業與政府和後代子孫,但對於這些,臺灣百姓都該欣然接受,因為大家是命運共同體,要死也要一起死掉,馬政府不該只是放任這些產業死掉,這也是臺灣不少人的以為,因此這些人是更加反對服貿協定的!!??坦白說,那樣或許不見得是聰明的選擇就是了!馬政府一直希望能夠提供百姓另一個選擇,那就是兩岸在經濟上面是更加統合的,只是這對臺灣百姓來說,短期上面是充滿著很多很多的傷害的,長期會不會有利,還得看對岸到底可不可能變得比較文明與不野蠻!!

  (5)從這裡也見到了馬政府另一個錯誤的思維,那就是幫助產業開發新產品與研發,不代表政府就該無限補助企業,政府以前都是利用工研院跟各大專院校幫忙開發企業需要的新產品,然後技術移轉給廠家,但不代表政府需要對企業進行另外的補助,南朝鮮的AMOLED跟很多技術,其實都是南朝鮮政府用近乎無償且無限制資本投入多寡的方式讓企業能夠開發出來,試問馬政府在這件事情上面又做了多少??馬政府的獎勵各方面的科技與技術投資,幾乎是完全停擺與廢除,不是嗎?這只會讓臺灣更加產業空洞化,跟中國的差距更拉不開,這也是臺灣不少人士以為,馬政府讓臺灣在產業的諸多方面變弱,讓中國急起直追,最終等於是跟中國投降,這也是大家很不滿馬政府的一點!!

  (6)其實當中國進展到一定程度之後,人民幣勢必是要國際化的,一旦人民幣國際化,一但中國越來越深入國際,中國在WTO中的未開發國家地位勢必為西方與全世界各國所質疑,到那個時候,中國勢必要開放各種產業,以交換中國也能進入西方相關產業,到那個時候回頭看現在,只代表著我們提早跟中國的簽訂服貿協定其實是個錯誤,對本地可能反倒是個傷害,因為中國提早進入了臺灣的市場,而且是用比較不公平的方式進入臺灣市場的!其實雖然中國自身的歧異性高,但中國在很多產業與經濟發展上,早已被視為是已開發國家,中國越來越大,越來越成為世界第一第二大的經濟體,外加中國人口眾多,一直都有就業跟生存的問題,中國要想透過跟全世界貿易來生存,終究還是要對全世界開放過往沒開放的產業,那是無庸置疑的事情,所以我們該問自己的是,臺灣能不能等到中國對全世界開放的那一天不會餓死,如果可以,自然不需要現在急著全面開放,而是慢慢跟中國談,慢慢一點一點的開放才是!其實這也是美國近來用各種理由,不讓中國參與美國產業與購併美國本地產業的原因,因為美方很清楚的知道中國這樣的競爭是不公平的競爭,利用自身WTO簽訂時的不公平優勢保障了自己,卻要求其他國家要完全開放讓自身有比較便宜人力優勢的產業無限制地入侵各國,這本來就是不該發生的事情!如今臺灣跟中國簽訂的服貿協定,背後也有相同的影子,表面上好像中國是讓利了,但其實臺灣才是受害者,而美國目前的經驗是根本不對中國開放的!馬先生,您見到美國的處理態度與方式了嗎?美國根本就是對中國很多產業進入美國是完全不開放的!因此還真希望馬政府在面對這些問題時要聰明些才好.

Dear American People:

  Now you have to face the fiercely competition of Chinese cell phone companies or brands in CHINA, especially the one that is called XiaoMi 3. It uses the software of Miui V5 that is not Android or Microsoft one. XiaoMi starts its phone from the software perspective. So it can be largely extend its system with the hardware it wants. It will not be restrained by the software designed from the Android or other platform. The most important part is XiaoMi uses the Sharp screen and it also uses the latest version of Qualcomm CPU, and it also use the design to save its energy. It has the latest power management by using the other CPU to reach that. It also combine the idea of Nokia Lumia but it is much better than the previous one.

  Apple faces the not-equal competition just like other US companies in China. You know in China, you can not use Facebook or Google. You have to use Alibaba and Baidu. That is the reason why the e-commerce in China has its own way to work on. The most important issue is the advantage ot those US companies can not be used by people in China. They are trained to use Baidu and other service provided by China owm companies. It will be a big discrepancy for the Apple to get into the market of mainland China.

  I think the strategy of Apple has to change with this new situation. And the most important one is to consider develop some software that is specific designed for Chinese people in the mainland. It has to create an feeling of intimacy. It has to create some sort of fans who love to use iPhone 5c. It has to motivate people in China love to use Apple's cell phone to communicate with the one who also has the Apple's iPhone. The Apple has to design several softwares that can be used between all Apple's cell phone without any further costs which can draw great attetion of Chinese people in China. The iPhone 5c needs some good functions which can target the user habit of Chinese people in China. So it can compete with XiaoMi's own system Miui v5. The design of XiaoMi 3 is a breakthrough, people in China think it can be a great threat to Samsung as it does increase its popularity these days. So it will be a big threat to the latest unrevealed iPhone 5c. In the old saying of our wisdom ancient Chinese, "if you can not fight against your enemy, the fitst thing you should do is try to follow same steps your competitors do. Then try hard to have your own strategy that shows your true nature which can drag the eyeballs  of those ones who can afford the product." Watch out, XiaoMi may be the next Nokia somehow. XiaoMi will succeed to have its place and even greater market shares in China.

Dear American people:

  This time is no difference. The failure of Vietnam War is due to the selfishness of South Vietnam people. So is the Iraq and the Afganistan. I think the issue of Syria is not that different. The world is a cold blood place, even American people are with warm hearts. It does not change the world that much. Don't feel pity for yourself. Do not regret those silly wars. It just happens because American people are naive and with warm hearts. Children in Syria are suffered. People are weeping and women are crying. It is absolutely true that we still cage our souls in the deep dark world. Russia wants to sell their weapons to Syria, so does Red China. They have their benefits or interest there. Think about it, if American people borrow a lot of money in order to attack Syria, what will happen? Russia may use the money earned from the weapon selling to Syria and invest it in your treasury bonds and get those interest payments (which comes from American tax payers). So is China. This time is no difference.

 People think American just demonize the leader of Syria government. I have to remind you it just can not be done on one man's hand. There is an interested group that wants to keep their power and interest forever THERE. So how could you face that when you only try to remove the regime? The situations of Afganistan and Iraq tell us, it is just not the issue of who is in charge but how to have a peace in those countries. Democracy seems to be a stange word to Arab. I do know people may say that "Hey! You! Mind your own business!" But it is a pretty silly thing to see those happen again.

  There is an old saying in our wisdom ancient Chienese:"If you want to make someone a great general, give him/her a lot of wars to prove it. And there will be a lot of soldiers die for the general to show how greatness he/she is." I think this time is no difference that American people just try hard to have their own hero of the war AGAIN. But deep inside, you should ask yourself a question:"How come I pay so much to make a great general who seems to be irrelevant to my daily life? Just because I feel pity for Syria people? But they may get even worse hereafter as those things happen in Iraq NOW." There may be a lot of endless violences after the USA removes the regime. The situations of Afganistan and Iraq may happen in Syria, too. So we will face that..children are crying, women are weeping and men are just dying. 

  It seems to be the question that American people have to ask themselves: "Will American people want to occupy Syria until they have their decent peace or democracy just like Iraq and Afganistan?" What will happen if American people can not afford that? What will happen if American people get tired to be the world police? These days you just want to leave out Afganistan and Iraq without any reasons, right? We all know that the democracy has not been deep rooted in the world of Arab. They do not know the true meaning behind that the democracy is a form of debate without killing each other. American people always debate about some issues, always have different angles about a lot of things. But you will not kill each other by using forces, weapons,or even the gas. You debate and argue with each other and reach the consensus. We learn those kind of things has not happened in the world of Arab, especially from the lesson of Egypt. It just doesn't work that way.

  An alternative way may lie on how to let Syria to be a more civilized nation. That is what you should do. To teach the leader how to be a great leader without using that terrible ways to treat its own people. Or you should make sure the force used against the regime will not create Syria to be another Iraq or Afganistan. People are still dying and crying there, Iraq and Afganistan, EACH DAY.

  And from the economic perspective, everyone knows if the war starts, American may face the situation of Vietnam time again - the higher oil price and the higher pressure of inflation. So money will flow out of the States again. It will drive the US stock market go down. The USA is a country which depends a lot on its service business. How can you expect people get hired when their employers worry about the rising living standard of their own? I guess the war is bad to the States NOW. That is a sure thing. Of course, those people who live on trading may be happy finally as the weaker dollars give them another chance for the carry trade. But it is bad to ordinary American. It is the reason why I am oppose(this is the word what Mr. Kissinger uses.) the idea to remove the regime of Syria RIGHT AWAY this time.

  Besides, American do not need another Rambo to ruin their small town THIS TIME. Right?

  這裡有很多很多的反省!!臺灣不是個鬼島,是我們自己錯!!因為跟中國大陸要連結,臺灣需要的是賣小吃的,開遊覽車的,還有導遊,想辦法賺那些沒有甚麼錢的中國旅客,想辦法從他們身上求得"生活"!!

  臺灣不是鬼島,鬼的是臺灣的百姓,這裡講求的本來就不是甚麼競爭與否,講求的是誰比較幸運,因為有人很幸運,所以可以做公務員,可以做軍公教,可以讓國家養一輩子,甚麼都不會,只要會上電視說:"做辦公室的本來就該賺得比在外做工得來的多,軍公教本來就該領的比較多,因為是國家欠我們的!!"

  臺灣不是鬼島,是臺灣這些人自己要出國去念書,然後回國找不到工作的,又沒人強迫您要學這些那些?這些那些在這裡都不管用!其實國內的高學歷者或許也有相同的感受,只是國外讀書至少還學了些英文,國內很多學校的學生甚麼都沒學會就畢業了,不論如何,國內還是有不少人都是高學歷但是卻很難有份相稱的工作!只是...誰叫您自己要做這些,電視上每天演的都是賣麵包跟賣雞排的才有前途,誰叫你要出國去念書,拿了個國外的學歷,最後流落補習街裡面討生活,想辦法求生存!抑或是國內的學歷,卻找不著適當的工作?!或許只要選得上立法委員,只要選得上縣長或是甚麼的,就能讓百姓生不如死,就能從負債上千萬變成身價上億!臺灣不是鬼島,是我們自己不長進,選出這些人來折磨百姓的!誰叫你自己不出來選!

  臺灣不是鬼島,是臺灣這些人是鬼,所以再多的知識,別人看了一下,搖著頭說:"屁用!!",然後走了!留下一堆人想破頭,為什麼在國外老外說這有用,到這裡真的是沒人理會!搞了半天,老外也只是為了混口飯吃,所以是騙您的!最後只好淪落街頭,每天在這裡寫部落格!!

  臺灣不是鬼島,所以才會讓老外有生意做,美國沒工作來臺灣就有工作了,可以教英文,跟別人說"你用的tense不對,你說的寫得太不清楚,語意模糊!",最後連從美國回來的臺灣人都對你說:"中文不合邏輯,語意不清,英文合乎邏輯,所以很多地方本來就該要說清楚!"可是中文已經進化千年,但是英語系每個國家都欠全世界好多好多錢!

  臺灣不是鬼島,所以可以讓去美國留學回來沒工作的,至少有英文可以教!!真想對這些人說,博碩士學的應該是專業,很多很多的專業是需要再認知的,那絕對不是英文中文就成差異的,中文的會計學是比難念的,因為它難的地方除了會計之外,其實也在於中文的表達與陳述,別跟大家說英文講這些就比較清楚,它一樣是卡在語言的表達,中文用習慣,自然是中文學起來較輕鬆,當然轉換到英文,那可是...!!所以...臺灣真的是個鬼島,因為老外以為重要的,或者因為語言跟各方面的差異,所以到這裡都...不重要了!!

  臺灣不是鬼島,只是身為高級知識分子的眾人都沒有工作而已,問一下是不是軍公教的福利減半,薪水也大一點折扣,不要說坐政府辦公室的就是坐擁金山銀山,不坐政府辦公室的就該死,讓沒工作的也有些事好做能活下去?可以嗎?

  臺灣真的不是鬼島嗎?K黨執政,台電跟中油魚肉臺灣百姓;D黨當政,那些做金融交易的,讓百姓因為買了連動債賠錢賠到傾家蕩產,最後還想要金融合併,最終百姓可能更沒工作,而且還讓這些人有更多錢拿去中國賠光光!!

  我們真的有所謂的自由嗎?如果真是如此,為何很多人都覺得不是這樣的!!如果臺灣沒有真正的自由,那民主的意義又何在?臺灣真的要走美國式的民主,那本來就該所有的事情都只講求效率跟利潤,自然不必太在乎失業與否的問題,只有集中資本才會有高報酬,只有集中資源在少數人的手裡通常才比較有效率,其他沒資源的人本來就該死?是這樣的邏輯嗎?

  只是我們放棄了這麼多的效率跟利潤,卻還遭到不公平的監視與不自由,這跟在中國居住,又有何異?

Dear American people:

  You know Americans just can not afford higher medicare anymore if you do not have private insurance to cover those costs. That is the issue why American need the Obamacare this time. I know even those ones in the congress can not afford it if they lose their seats in the congress. It is the truth that nobody can deny. So the problem comes to mind is how to adjust the healthcare system and what it needs to be. That is not an easy job. That is the reason why no other president dares to challenge this issue except Mr. Obama.

  That is one side story. On the other hand, the story goes like this one: You can subsidize those disgusted money games of Wall Street for those years, they have wasted trillions of US dollars on their own safe and sound. How come you can not subsidize ordinary American people, to let them have some better and cheaper medical treatments? It is a SERIOUS question you should ask yourself. Just because they can't let those congressmen or congresswomen have what they want? just becasue they can't afford those elections you hold for those years? They do not donate that much to those compaigns? Or just because those people in the congress care nothing about ordinary Americans?

  Another side of story goes like this one. How come you can not have more doctors, more nurses and more hospitals and how come the price competitions just can not function well between them? The more supply should decrease the price of services and increase the welfare to all the people,right? So the reasonable question seems to be: How come the USA government does not provide more scholarship or tuition subsidies for those doctor and nurse raising programs instead to subsidize those wars far far away??

  I guess those questions need your sincere answers and discussions.

  (to be continued)

Dear American people:

  Obamacare is what you need desperately NOW, especially this time. When your people get their paychecks largerly less than few years ago. The USA need a big overhaul, but it can not be done in one day. Everything has to be discussed and has some concensus. We, ROC, or you call Taiwan, have the national heathcare system. Our doctors and nurses get much less paided, and sacrifice a lot of things on their fanily needs in order to support the system.

  As your talk show queen onces mentioned, it just can not happen in the States. For the beginning, your medical school need more funds to have a good doctor produced, how can you expect those doctors ask less money when they have a big burden of their tuitions in the school? They paid a lot on it. Every doctor has its school debt after they just graduated and become a doctor. How can you expect they sacrifice a lot to save others for free or almost nothing when they need to pay for those costs? Just as your MBA, everyone paid a big buck to graduate and become a master. How can you expect those ones do a lot of things without a big paid? So you may say that is the reason why it needs the government support. But it comes to a question. How much should the government pay for it? How to get those money to pay for it? In our experience, if the governement does not want to pay for it and does not want to ask the wealthy people to support, then all it has to do is to use the FLAT headcount TAX for all people in the country. Then it comes to the issue, those burden just goes to the middle class as the poor families have no money to pay for it. So they just do not pay for it even the governement impose a lot of restrictions on them. To cut their medicare, to not them join or use the healthcare system, to let them be discriminated or look down will get the attention of media that everyone thinks the government is cold blooded. They have no money, and we are a nation with democratic society. So in the end, we just let them use the national healthcare for FREE. We do not ask them to pay for the money they owe to the healthcare system unless they can have some decent jobs. But who knows when... We do not ask them to pay for it and we also give them some subsidies, the government transfers, if their family members need other things like school tuition, meals for every day life, etc. In the end, we find that our middle class is just disappearing even faster as their burden just get even bigger. And the government do not dare to ask the wealthy people to pay a little bit more for the healthcare system. So that is the situation we have. The others is we have poor doctors and nurses, they are so easy to have cancer than those doctors and nurses in other nations because they are so tired to cpoe with patients. And that is the reason why our government uses a lot of nonsense to cut the payments to doctors even they use right treatments on patients. Our healthcare authority just does not want to pay all of them and leave doctors or hospitals to cover those costs. They use a lot of excuses to refuse to pay for those treatments. It is the truth in our nation. So they just transfer those burdens on our doctors, nurses and hospitals. Is that what you want?

  It comes to your mind, if the Obamacare does work? If it does, then you have to change your a lot of things and even your mindsets on the issue. It is more than you know or imagine. On how much money you need to raise a mature doctor, on how much money you need to pay for the Obamacare. Even on how many items the Obamacare has to pay for. If the flu or other treatment without to stay in the hospital can be covered and that is all in the Obamacare. Will that be O.K. with you? Other things need a big operation or daily care do not be covered ny the Obamacare, is that O.K. with you?

  In our experience, it is not O.K. The reason is that our system wants to help those ones need daily care or daily assistant like kidney issue ot other natural defections. So everyone pays some for those who need that kind of treatment. The youngsters pays some even they do not use the system. The elder people get the most benefit when they just get old and need some hospital-stayed treatments. So it comes to another question, if your pension system does not need to pay for it anymore, will you want to have a burdenless pension system in order to change for those treatments covered in the Obamacare? Everything is connected with each other. Everything needs to be considered thoroughly if you want the Obamacare to be workable.

  It is a issue of some gain and some lose, you need to cut something in order to subsidy others. That is the reason why the Obamacare in some sense means a big society overhaul for your nation somehow.

  很難過的說,臺灣這麼多年以來,從小蔣總統之後,好像越來越缺乏科學化的管理者來幫忙治理國家,大官們做事情的邏輯與優先順序的考量點是甚麼??地球暖化的議題是大家都關心的,但是政府好像只有在台北市的周邊建了大型的防洪設施,感覺上就是幫助財團們賺房地產的錢;卻完全忽略了中部的大城市與南部的不少地區也需要完整的防洪配套,百姓總不能每年到這個時候就擔心淹大水,如此大家怎麼好好過日子?在電視上見到農民的眼淚,在電視上見到了靠天吃飯的農民因為農損哭紅了眼,卻在另一角見到了做股票與期貨者,高談闊論蘋果概念股又替眾人賺了多少錢,坦白說心裡是很不愉快的,政府替這些農人做的太少了!!大埔事件還近在眼前,農人又因為暴雨而哭紅了眼,政府的起而行在哪裡??

  東京為了自身可能面臨到的暴雨,挖了一個好大的儲水槽,臺北市為了可能的淹水,花了好幾百億去做防洪設施,試問誰替臺中市的百姓考量整體的防洪?誰替南部的農民考量他們的泡水農作物?政府對這些都該主動且進一步的多關心,這些事情當然繁瑣,但是是否政府也有適當的防洪措施或更科學化的配套處理?或者也替他們挖一個好大的儲水槽,在雨多的時候儲水,在雨少的時候讓這些水能夠再利用,也或者有其他比較有效的管理方式?如果淹水是每年都必然會發生的,那政府該怎麼做??政府時時刻刻出現浪費公帑的情況時有所聞,但是對於貧窮鄉鎮與縣市的科學化幫助真的太少,不要說那不是K黨執政的縣市就幫的少,不要說因為沒有甚麼地目變更來去賺大錢就不幫忙,馬政府每年多花的錢到底去了哪裡?這一直都是大家的疑問!這麼多人需要國家用比較科學化的方式幫忙生計跟生活,但是政府好像比較關心的是每年的煙火在哪裡施放,要辦甚麼國際活動卻完全不管賺錢賠錢來吸引眾人目光,政府每天做得好像只是如何讓百姓過著想像自己很幸福但卻一點都不真實的生活,而不是我們的食物與農民的生計!!

  從小蔣之後,臺灣好多地方的管理就越來越不科學,很多的管理者,不論省籍,其實都只關心對自己有利的事情,每個主政者都從制度建立上面去圖利了自己跟自己的親信,每個主政者想的都只是如何從國家這裡拿多一點,太少人從總體國家未來的發展去思考問題,對於臺灣這個系統裡面的很多很多議題,都用心不足,一直都好讓人失望!!

  對於目前的馬政府,雖然感覺上沒這麼強烈,台電跟中油的一堆問題,至今還是沒有提出有效的解決辦法,卻馬上要漲百性的電價,那是說不過去的事情,因為這些企業它們內部的貪污與自肥,一點都沒處理,不是嗎??!!

  很多事情其實是知之甚詳,只是真的不太想說,馬政府可能得去關心一下健保署(?)這個單位近來在做甚麼事情,一來是黑員漂白,根本沒有通過國家考試就想變成國家的正式職員,再者不知道政府有沒有聽說,醫師公會自己辦的講習跟健保管理單位的標準不一,結果在後來健保給付標準放寬之前,刻意去欺壓醫護人員,苛扣人家的給付金額,還用奇怪的方式處罰醫護人員?爾後對於其他類似事件,竟然用在某年某日之後放寬的方式,所以出現其他醫護人員免罰的情境??臺灣的健保問題很多,這裡又是一例!!坦白說,臺灣真的不該有甚麼全民健保,即便要有也不該由一心想自肥的黑員們來主其事,試問這麼自私的一群人,怎麼可能替百姓們把關??臺灣管理單位的自肥與自私自利問題,從這裡又見到了一件!!又比如台電以前有自己經營的一些附屬單位,結果因為台電本業經營不善(但奇怪的是台電的一些根本未上市也不需公布財報的子公司都賺了大錢,也都分到很棒的分紅跟員工薪資!),結果竟然要求原附屬單位要繳一大筆錢回台電,最終造成這些附屬單位無法經營只好宣告倒閉!還有很多很多關於中油的事情,聽過的人也都是直搖頭的!

  心想如果等到選舉的時候,在選前一個月一件一件被人拿出來說,我想K黨大抵上可能永遠都不必執政,因為那些證據都是鐵證!!馬政府如果有心,自己該查清楚這些不是很好的事情!!因為這裡面也顯示出馬政府並不如自己所言的清廉,只不過是對下屬的行為睜一隻眼閉一隻眼,假裝沒見到而已!!

Dear American Fellows:

  A greateness USA is gone for a long time. You overlook the burden of the world instead look at your own problems. The poor issue, the less education issue and the debt burden issue are all American should face. The discrepancy of wealthy people and poor ones in the States is more severe than you thought. The important ones are as follows: The first one is the problem of decreasing or shrinking manufacture jobs provided in the States. You often want to get the whole world's resources employed for your own good. People in many countries may not be that grateful to what you have done. Of course, I am grateful to what you have helped us for such a long time. But it has its limitation, We just can not waste our own savings to do the senseless thing - to join the careless and HORRIBLE money game you played in those years.

  The second one is Americans have to save their own country by saving more and to keep your financial system with a fairly distributive rule. The fairness here means that everyone wants to get richer, he or she has to work hard. The risk taking business should be rewarded on its creativity and entrepreneur. You should not make a fortune on the expense of others' savings. It is wrong. The financial system should benefit the hard-working ones instead merit the gamblers. Those who do nothing but the money games should be punished. It builds nothing but just piles up the indices means that you have to face the consequence if those indices just go down AGAIN. A vicious circle happens again and again in those years when we see some wealth redistributive cycles of bad money games. The riches get even richer, but the poors gets even poorer. It should be forbidden.

  There ia an article written by Dr. Titman in the Journal of Finance, 2013, which mentions about the negative externalities of financial investments. The USA seems to fall in such a vicious circle these days. The boom and bust financial markets just show the wealth redistribution from the governments of weastern nations to the wealthy people, from the taxes collected from each western nations to the private equity owners or hedge funders. It is undeniable that there are good private equity owners who invest in the FaceBook, the Apple corporation and other well known technology firms. But there are a plentiful ones who just move the gold bars from the system to their homes. The disgusted money game just can not repeat itself anymore.

  Americans have to change their mindsets that "the cheaper" is not the best way to live. Amercians people should have their national ideology that ones should buy a lot stuffs manufactured in the States, just like those people of South Korea. South Koreans love to buy Samsung, LG, and other things manufactured by themselves. Americans just want to buy cheaper things and do not care if it is manufactured in the States. You can go to the souvenir stores of Metropolitan museum located in the New York city, you will find out that ALL is NOT MADE in the USA. I was surprised by this kind of things several years ago. When I tried to bring  home with something made in the USA, I got no one. So I decided to buy NOTHING. It is a warning sign. Besides, the warning also tells us that your people even do not buy daily necessities that is made in the USA amymore.Yes, it may be more expensive but it provides jobs. How can you expect people live in the States have money to save if they can not get decent jobs? It is wrong. The free market spirit should be preserved, but some of those products should be built in the States if you really want to save more money.

  The good cycle begins from the jobs creation, to the money saving and to the well functioning financial markets, and it just bring the wealthy people to take risk and build something new, so more job created and more money can be saved by the Americans. The good cycle has to be rebuilt and the old-bad-money-game has to be shattered.

  It is a common sense but it just should be repeated all the time until American people get those messages done in the future. Or you will never solve the wealth inequality issue between wealthy families and poor ones. And the middle class of American will disappear even further than you know NOW.

  Make a big change and no more money games,PLEASE. May God bless you.

  關於現在,我必須再說一些事情,首先,如果民進黨不肯做更多的改變,還是要那幾個老傢伙出來,而這些人還是堅持過去那套根本行不通,那民進黨應該在2016年當選的可能性已經不大!!在這裡必須再次強調不支持小英的原因,並不在於她到底有沒有利用國家資源幫自己家族的生意解套,而在於民進黨過往的經濟政策有很大的盲點,而那樣的盲點對於整體的就業是不利的!!民進黨以為要解決軍公教的問題,最重要的就是將公營的金融機構一點一點的賣給私人,但這裡面牽扯出來一些很根本的問題,那就是到底哪些金融機構該賣給哪些人?如果這些人都是民進黨的傳統支持者,即便民進黨下野,它還是能夠跟過往國民黨下台一般,對臺灣的經濟有一定程度的控制力,站在政黨相互制衡的立場,或許乍看不是壞事,但這些生意人也不是白癡,他們是牆頭草,一旦民進黨沒搞頭,他們還是會跟國民黨輸誠,然後跟著去中國朝聖,希望能夠賺更多的錢,最終大多當然是賠錢的,到時國家還是會遇到本地金融產業的就業率大幅降低,而很多的資金都拿去中國的問題,也將使得本地更沒有資金在彼此之間流動;民進黨在過往關於金融改革的議題上面的政策,是全然不該也不能被全民所接受的!!這也是當時以為全民不可投給民進黨的主因,因為她無益於就業!民進黨最大的問題,就在於台灣獨立的觀念是源自於很多很多年以前過往當時台灣的本土菁英,而非一般的市井小民,因此離一般平常百姓很遠很遠;過往這些人士在臺灣是當時收入非常高的人,它們大多受過日本人的特別栽培,因此才會有以日本為主且支持台灣獨立的想法,也因為這樣,這些人確保的是自身家族的永續利益,從目前臺灣的真實需求來看,其實跟台灣大部分人民的利益是相違背的,特別是在臺灣經濟需要轉型的此時,過度集中資本與過度進行公營企業的私有化,對於台灣目前的就業並沒有幫助,且容易因為資本密集與投資決策的錯誤,使得最終政府必須付出更高的成本,來解決可能產生的新投資失敗與決策錯誤!這才是為什麼反對小英的原因;至於為何不支持S先生,因為它沒有團隊,因為它的數字觀念太差,因為其為更為自私的人!!

  您能見到目前政府的私有化怎麼做,將政府持有的老績優股票賣給國家的退休基金,賣給國家負責全民的退休基金,透過這樣的方式繼續管理這些股權,讓全民成為這些股權的擁有者,我想這是民進黨不會做的事情,或者說是目前民進黨這些老先生老太太不可能有的真知灼見,因此它們是不適合管理未來充滿挑戰的臺灣!!原諒這麼說,知道軍隊有多麼的不對,但那只是國家需要調整的一環,而民進黨過往執政八年也沒敢去動這個議題,不是嗎?這次劇情裡面的人都是待在軍中多達十數年者,所以這裡只展現出民進黨跟國民黨在這個主題上都是束手無策的!!

  當然知道馬先生多少也是不合適作領導的,但是幾害相權取其輕,這是不得不的決定!!值得一提的是,如果民進黨在西元2012年順利執政,那美國目前的情境就會在臺灣一模一樣的重現,更多金融人員失業,更多金融整併,但不代表這些金融機構不會倒閉,因為這些人更有可能集中資本,去買了歐洲與美國投資銀行或是金融控股下的投資銀行部門所發行的信用風險或是市場風險綜合的CDO,CDS,CMS等一些故意計價錯誤與管理失當的金融商品,只因為歐洲與美國的金融操作者想賺大錢,只因為人謀不臧的事情還是存在的,因此政府最後需要付出的代價可能更為嚴重,其背後馬上見到的代價是臺灣的就業就更為艱難,與全民的資本全部被這些金融商品的賠錢與損失給消耗殆盡!!因此在當時支持馬先生似乎變成是唯一的選擇,因為我們不想變成今天的美國,那是最反面的教材!! 

  過度的金融自由化,已經使得歐洲跟美國在西元2008年時出現了非常嚴重的金融風暴,因為過度金融自由化,使得原來無法條可以管理的美國投資銀行,肆無忌憚的發行大量衍生性金融結構性商品,並且頻繁地與歐美亞洲各大金融機構與退休基金進行交易,最後造成金融體系出現嚴重的系統性風險,反觀亞洲的金融體系在當時相對上比較沒有危機,主因就在於各國的金融機構各有擅長,甚至有的國家的金融機構資本很小,玩不起這樣的金錢遊戲,反倒成為避開危機的受益者,因此金融機構的大型化,其實反而容易使得自身易受到歐美金融機構的覬覦,最後是血本無歸的下場,這從本地參與雷曼兄弟投資銀行發行的結構型商品所產生出來的虧損,就能一窺究竟!!

Dear American fellows:

  I am so sorry to let you know the truth that American still can't get on its feet. And there are many constraints you have to face. In the following paragraphs, I have to mention a couple of things that you need to be notified.

 (1) The Amercian pension system: As the economy can not have such a big growth and Americans can not save so much money anymore. The old pension system comes to the crossroad. Anyone knows the detail will have to tell you that it needs a big overhaul. Defined benefit system has to be changed to be a system with some defined benefit for the basic livings and with a large part of defined contribution for the extra. When the USA just barely to grow 2 percent a year in the booming time, it just show how ridiculous the old pension system can be. No one deny that the elder people did contribute a lot to the society of the States. But they also enjoy and take a larger share of those benefits in those years already. American people have to tell them it just can not go that way anymore as we couldn't earn that much money to help your retirement. It has to be changed! If it can't be changed, there will be little incentive for the job creations as the USA has the big burden on the pension issue. The corporation are afraid to go bankruptcy if they hire too many people this time.

 (2) The incentive to save: Even American people earn less than used to be, you still need to save no matter what. It has to be that way. Please keep in mind that China is in a better shape this time, the only reason is they are not afraid of the downturn which is due to the greatly higher saving rate and a big pocket of every one.

 (3) The healthcare system: The USA has the most expensive healthcare system, it has to be changed. You should be briefed that it has some connections with your pension system. In our experience, if the healthcare issue is coped with well, the pension could be largely reduced as the elder people need most are the healthcare. The cost of healthcare could be reduced with the redution of pension scheme will be a lovely thing for Americans this time. And it has to be that way for the future of Americans.

  I do not like Mr. Obama either. But he is right from the beginning. He insists it has to be changed in the healthcare is right. But he forget to know the issue better. If the heanthcare system is adjusted with the pension system accordingly. It just shows the success of a big transformation of American society. American was one a great nation, but it is not anymore. The reason behind is the heavy burden of pension systen, the notorious healthcare cost and too much higher cost of livings. It just have to be changed or you will never get out wood until you figure out how to resolve those issues.

  The most thing I am impressed from those years is American peopl always have some flexibility for the new situation and always come out with some resolutions(temporary or permanent) on the newly emerging problems. I think the pension system and the healthcare issue are both the most important issues that the Obama administration has to face from now to those years to come.

  May God bless you!!

My Dear American people:

  I am sorry that I will never say those strong words to you. Even I really want to, but I could not. I believe in God.

  I should let you know that the money game must be end somehow. When American companies have their credit ratings back, and those universitiy endowments funds have their money back. The money game is about the end. Now you should try to create some decent jobs in manufactures instead of financial services maybe. It is obvious that your financial institutions do not want to share their profits with the whole country. That is fine! Do not count on the financial institutions which can create new jobs. I have to remind you. The white familiy is just as poor as the black family these days. And the situation just gets worse. There are a lot of families of white people just as poor as the illegal Latin families. It is the truth you have to face. The financial system need a big overhaul somehow. That is the only thing you have to do!!

  If Americans think that the nation is out of wood, I think the answer may be "Yes! In some ways! You are!! But on the other hand, you are not!!" The USA still has more than 14 trillions US debts outside. It has to pay back to those debtholders. The Obama administration tries so hard to turn all those ugly debts of every endowments of universities (esoecially Ivy league), all those nealy or just bankrupt companies, all those nearly collapse financial institutions (they should be institutionized! I guess!) into the burden of the USA government's own debt. That is the truth. But it just can not go on forever!! We can not count on  the financial market high flying all the time and just expect it well well above the reality. It must be ended. If you do not think that way, you can see the example of Venezuela. Its stock market goes thousand times than used to be. But people think it is a well behind nation. Be reasonable, the USA just can not be that way.

  I guess all I have to say is "May God bless the USA!!" It is blessed before, but it may not be that way ANYMORE if you do not change.

  其實老美自己也知道自身的金融產業跟相關知識都已經有點走到了盡頭;簡單的說,老美在金融產業上面是一蹋糊塗的,而老美在這個部分的知識其實大多都是錯得離譜的!!否則也不會荒謬到做金融機構的deregulation,放任投資銀行包裝一大堆的CDO與Subprime MBS等奇怪金融商品,還欺騙自己人去買了一大堆,最後不論是亞洲的保險公司,亞洲的銀行,美國自家的金融機構,歐洲的金融機構都賠掉原始投資金額的一大半以上,最後只好美國政府花大錢來收拾做QE跟OT,原因只是希望讓這些賠錢的金融機構自己去市場裡面套利,將賠掉的錢賺回來,很多亞洲的散戶在西元2008年根本是賠掉了一大半,也沒有辦法跟法人一樣有錢再投資去賺回賠掉的錢,而美國最後還是不肯將Glass-Steagall法案恢復,投資人也只能繼續心慌慌!歐洲的金融機構會做deregulation的原因在於很多金融機構都有政府的持股,因此銀行賺到錢是會回饋給政府的!其實外人也不是很適合去做甚麼評論,但是美國的投資銀行跟商業銀行該做切割是絕對正確的道路,這點美國人只要不做,美國的金融市場永遠都是有資訊的人宰割沒有資訊的人,我想這點美國人必須有很清楚的認知!當然我們也都見到了因為金融機構的問題,導致目前歐洲失業率這麼高與還有很多銀行是快要倒閉的情境!即便是德國都很難倖免於難,只是這就是金融機構過度自由化,以及放任避險基金到處賺各國政府的錢的問題,這點是美國,日本與歐洲的大問題!財富的分配與各國政府債台高築的結果,竟然是有錢人繼續有錢下去,說來也是件非常奇怪的事情!

  美國在2008年之後的救市,基本上就是拯救破產企業員工的退休金與很多有錢人的股票投資,說來也是有點可憐,因為連Harvard與Yale大約在上次金融海嘯當中也都虧損掉很多的endowment!當然知道美國政府做了這麼多的QE,這些endowments應該也賺回來不少錢,但是別忘了,最後這些都只是債務上面的移轉,從民間的各個角落移轉成為美國政府的債務,關於這點美國人是要有認知的,從全世界的各個角落移轉成為美國政府的債務!!美國政府至今只能繼續鼓勵大家,要對國家有信心,事實是...美國境內的白人目前貧窮的比率已經跟黑人差不多,很多很多的美國白人家庭窮困的情況並不輸給黑人以及後來非法移民到美國拉丁裔,我想這些都是美國自己必須要充分的認知!!繼續永無止境的金錢遊戲,賠錢再找政府出來賠,套句Obama過去自己說過的:"It has to be ended somehow! No more money game!"美國人需要的是真實的工作,跟金融遊戲無關的工作!! Americans need is a decent job. Do not let Americans play those horrible money games anymore. Let them have decent jobs!! It seems to be an echo to myself.Yes,I also have no job!!

  我們該體諒老美缺錢的窘境,希望亞洲人能夠再捐一點錢給他們!!我想這點,我是能夠多體諒的!!

  中國,一個感覺很遙遠的國度,卻又如此靠近,但是這些人一波一波每天都能在台北的街頭上見到!!可以感受到他們很喜歡臺灣這個地方,也很喜歡臺北這個土地,因為臺灣百姓本來就很友善,只是相對臺灣百姓去到中國投資經商,總覺得中國是個不友善的國家!!這是個事實,中國的人口壓力太大,大到很多人沒辦法生存只能用偷拐搶騙的,而且這裡面還不乏中國的高官與高級知識份子,其實臺灣很多很多的知識份子,在臺灣也沒有很好的發展,但是大家卻都很守秩序的在家裡蹲,等機會,看看能否有比較好的發展;反觀中國是個沒有法治只有人治的國家,所以...可憐的臺灣跨海投資中國的有錢人就被坑!!

  其實台灣的軍隊感覺上也是一個沒有法治的團體,還蠻懷疑一但打仗時,可能臺灣的阿兵哥拿著槍桿對著的是軍隊裡的長官們,因為積怨已深已久,但對岸與其無怨無仇,所以先一槍打死長官再說,以消心頭之怨!!曾幾何時,臺灣變成這樣了!感覺上募兵也不用募了說,因為募兵半天如果都是募到女生進去,等下軍中又是性侵跟性騷擾事件頻傳的話,到時真的打仗還是槍桿對內,先將當時性騷擾的這些人解決掉再說,這樣看起來臺灣的軍隊還真是沒有科學管理的觀念,其實也不太需要打仗了!老話一句,帶兵要帶心,沒能力的人不該當軍隊的長官!!

  扯遠了!!回頭談中國的發展,其實中國的下一個十二五計畫應該不再是經濟發展,而是溫飽問題,最重要的是中國也不該發展醫藥產業,因為那會大幅度提高中國老年人口的存活率,科學一點的說法是,中國在未來二十到三十年之間,該做的是將中國的人口控制在八億到十億左右之內,目前中國高達十二億以上的人口,對中國的經濟發展可能不如想像中是加分的,而是減分的,因為中國之後的每年都需要擔心自身的糧食不足,那中國唯一能做的就是乞求美國每年都沒有旱災也沒有水災,特別是美國的糧倉跟其他世界各地的糧倉,否則中國是沒有能力餵養十二億人口的,因此中國該做的其實不是強化自身的醫療保健,反倒是應該讓中國的人口逐年逐年的自然減少!很多年以來,西方總以中國與印度有人口紅利(population dividend)來看中國跟印度,但是印度的醫療環境很差,其人的品質與生產力遠不如西方的認為,外加印度的宗教多元,但是卻有一個很奇怪的想法,對於人口節育是反對的,相對上當印度的人口素質因為醫療環境與教育不足而越來越差時,其實印度承擔的不是人口紅利,而是更多的人口負擔與磨難,同樣地,當中國慢慢進入人口老年化之後,中國的高齡化人口很可能在未來十數年急速膨脹到上億人,到時中國將面臨到這些人出現生產力低落卻又需要非常高額的社會醫療與退休保障的負擔時,到時中國將面臨更大的糧食不足與醫療不足,因此中國如何科學化地對這些議題進行準備與管理,那才是目前中國該做的!

  另外一個中國該做的是開始教育中國的百姓,其實高中畢業就該去市場工作,社會學到的比學校多,中國目前一年七百萬的大學畢業生,估計有百分之十五是很難找到工作的,百分之十五簡單算起來就是一百萬左右,一年一百萬,十年就是一千萬,去年中國的數據顯示就是百分之十五,再過來中國經濟放緩可能數字會更高,這些人將成為中國社會未來的大隱憂,最可怕的是還沒有將研究所畢業失業的人算在裡面,不論是社會安全還是社會的經濟發展上面,這些人都可能是減分而不是加分;或許中國該做的是台灣目前做不到的,那就是開始淘汰中國的大學,讓中國的大學在未來幾年之間能夠減少超過百分之二十以上,另外強化國小與國中和高中的教育,學習德國美國跟台灣,盡早在高中就進行分流,根據中國未來需要產業需要的基礎人員進行直接的培訓,將學校變成工廠的實習地方,這才是中國該做的,講得直接一點,套據美國紐約市長Bloomberg的說法,中國該培養的是品質精良的水電工人跟粉刷工人,以及其他民生必需的基礎人力,並且想辦法讓這些人的薪資維持在一定程度之上,如此中國的均富才能真正達成,只有為數眾多的中產階級,才可能使經濟成長的動能進一步提升,因為中國需要的是中產階級的消費,而不是中產階級被高房價給綁架了,那會造成中國中產階級無法消費,社會將失去消費與成長的動能,因此中國打房是正確的道路!!其實中國已經在做了,中國的阿里巴巴企業的淘寶網,很多年以前已經有很多大學裡面的網路行銷科系的學生參與其中,而淘寶網的營業額不少都是沒有大學學歷但生意做得很棒的網客所參與!!

 對於美國來說,美國該做的是金融監理,更完整的金融監理與更細膩的金融管理,其實歐洲跟美國都在做了,特別是會計相關科系越來越強調對於歐美大型企業,不論是金融還是普通企業的審計(auditing),並且要求這些金融機構必須增加自身的資本(capital),並且進一步要求資本的實際內容必須與規定相同!!很多美國的媒體人都以為只要要求金融機構增加資本就可以,但是這裡面有一個問題是投資銀行需要多少資本來進行自身風險的規避與承受?目前美國很多的投資銀行是金融控股公司下面的子部門,另一個很大的部門是商業銀行部門,投資銀行很多的投資用的是商業銀行存款戶的錢來進行的,相對於過往美國的投資銀行無法可管,但是必須自己去市場裡面募資,或是去幫別人進行證券化或是IPO與SEO等準上市或已上市公司股權換現金的行為,其實那才是投資銀行該做的,也就是一般所謂的訂價權與後續的交易,在這裡面是需要承擔風險的,那跟一般商業銀行的角色並不相同!!商業銀行首重的應該是自身的流動性,固然商業銀行也需要承擔貸款的風險,但是很多的風險背後都是有擔保品的,如果今天諸多的投資銀行做的只是買空賣空的行為,一方面承銷或是包裝好某些特定商品,另一方面卻又買進特定的CDS之類的商品,其實投資銀行在這些交易當中只是擴大了金融體系的風險,而不再是扮演中介者的角色!

  不是很以為有的投資銀行說自己很珍惜客戶,因此客戶的要求都照辦,那是不對的事情,很多時候客戶要求的事情,對總體社會或者說對於總體西方社會是沒有幫助的!!而且投資銀行擁有的資訊是其他金融機構沒有的資訊,當它幫特定企業進行募資與籌資,或者它替某些金融機構的金融行為包裝特定金融商品,其實對於這些人都是有特定的資訊的,而這些資訊是不應該也不能夠流入到市場當中的,如果不肖的投資銀行利用這些私有資訊結合其他外來金融與投資機構炒作或是放空它幫忙承銷的這些企業的金融商品,試問那是怎樣的情境?這也是大家擔心跟以為投資銀行跟商業銀行,還是不要放在同一個金融控股之下,是比較好的!!

  總說對過往不提了!!因為沒有甚麼好說的,認識了壞朋友,被一個沒有讀甚麼書的女生搞得很慘,遇到了一堆心理有問題的大學教授,喜歡自己編故事,又不愛做學術研究,根本沒有好好讀幾本書,一天到晚愛批評時政,熱衷於無聊的政治!!最重要的是也沒問對問題,不論是學問上的問題還是實際生活上的,否則到最後該知道真正的問題就在你們這些教授身上,國家給你們的多,但是國家從您身上得到的卻很少,最慘的是國家已經給您們這些人太多錢,而您不是拿去喝酒搞其他不是很對的事情,就是拿去給遠在海外的家屬,您在這裡賺的每一分錢,都是台灣百姓的血汗錢,但是您不是拿到中國,就是拿去美國,說來也是臺灣的悲哀!!

  最可怕的是這些人都沾染了政治惡習,很多人是等著做官的,等著他/她支持的人做了上位,自己就能吃香喝辣,繼續魚肉臺灣這些"麻瓜",說來也是臺灣人的悲哀!為什麼我們就不能讓一些專心做研究,離社會很遠很遠的人,但卻離研究主題很近很近的人,能夠真正在學校裡面創造一些知識,創造一些連美歐的學者都稱羨的知識,讓我們的學生有些獨門??這些人都離社會太近太近,使得整個臺灣陷入政治瘋狂當中,這是非常不好且不對的事情,這代表著我們只能撿人家發展過的東西,爾後就是再次複製與覆誦一次,難道我們的大學教授都只是錄音機或是鸚鵡嗎??最悲慘的是因為沒有將手邊的書讀通透了,所以連鸚鵡都做得很不好!!想來也是臺灣的不幸,因為這悲慘的事情最後回饋到的是我們臺灣的學生身上;臺灣很多的政客喜歡用北京欺壓臺北,這些人真的該被踢出臺灣,取消政府對他們所有的補助,只是軟弱的政府一點都做不到這些!!回頭看起來,這也是臺灣的悲哀!!

  說過了認識到壞朋友,坦白說很難原諒這些人!唯一能做的就是離這些人遠一些!!畢竟有知識跟沒知識的人,終究還是有段不小的距離!

My dear American people:

  Sorry for my lousy English! But this time, you have a big problem. As your banks get bigger and bigger, it may lead to two problems. One is the small scale company who can not get enough fundings for their own business development. And the other issue is you still in the danger of financial systemic risk. If those financial institutions get big trouble from their investment banking department, it may jeopardize the whole company. And even more,those holding companies may have big troubles and let your financial system to fail AGAIN. To be honest, a lot of people still think that the separation of investment banking and commercial banking is the only good idea nowadays.

  The separation of those banking departments can have a stable financial system. This time, the separation should come with the new regulation on investment banking. You should have rules for those investment bankers. The Lehman Brothers gives us a hard lesson. You finally found that there is no rule can be put on those investment banks. It causes a big problem when they have business relations with other financial institutions, like insurance companies. The contagion effect strikes. The things gets even ugly when those institutions has the long-term funds saved from ordinary people. According to those situations, a lot of people think this time YOU should be different. The States should have strict laws for those investment bankers. The USA should requires more capital reservation on the financial institutions with lager department of investment banking. This is the first priority that the States should pay attention.

  A lot of people think the separation promotes the employment and let the rate go down even faster than we think. It is a hypothetical theory which remains to be confirmed. But it may be a good idea to divide those banks to where they were several years ago.

Hello there:

  見到了馬政府的剛愎自用,坦白說真的是只有讓人直搖頭!!關於與中國的服貿協定,這裡只想舉一個例子來談,您就會知道馬政府做了多麼愚笨的事情,表面上百姓看似有獲利,但其實百姓是受害很深很深的!!不要一天到晚拿假數據說大陸來的觀光客創造多少商機!!臺灣的經濟沒成長,政府的稅收嚴重不足,都說明了其實臺灣一般的百姓是未受其利先受其害的!!否則為何沒有稅收跟經濟沒成長??不相信觀光的商機不會反映在經濟數據裡面!!不要欺騙臺灣的百姓,好嗎?特別是在中國厲行打貪打房價的此時(2013年中),中國有能力跟沒有能力消費的人,消費意願已經大幅降低,國際的研究是中國的消費者在今年的消費金額跟去年同期相比,是減少一半以上的,期望中國觀光客來消費救臺灣,我想那是很荒謬的想法!!馬先生不該如此想這件事情!!因此我們也不該在永無止境的吸收人民幣,那對我們自身不見得是有利的!

  在西元兩千年左右,日本的郵務系統非常昂貴,在日本本地的通郵與寄送雜誌與書籍的成本很高,香港跟美國的出版業者發現,從香港與新加坡印刷之後再空運到日本的成本,遠比在日本當地印刷再透過當地的郵務系統發送這些雜誌與書籍的成本來得低許多,於是很多日文的出版品從此都在非日本的國度內印刷成冊,而且最終這些出版品的印刷就再也沒有回到日本!!

  當然這裡面透露出日本郵務系統成本過高且競爭太少,只是這裡面也展現了當全球化之後,快遞公司的成本可以因為跨國境的大量印刷與發送,遠比日本當地印行的成本來得低廉許多,這其中值得探討的兩個議題是(1)為何日本郵務系統的成本這麼高?(2)為何日本境內的印刷成本無法比較低廉?特別是日文的印刷?原因就出在排版與全球化的軟體,不論是Microsoft或是其它的排版系統,其實都只是外掛各國的字體與字型而已,因此到另一個國度的印刷只要外掛他國的字體與字型即可,因此在日本境內如果是因為物價水準太高因此造成的成本太高,最終只會造成其大量印刷流落為海外代工!!

  其實這次臺灣的出版產業這麼緊張的主因也在此,臺灣的出版產業一直以為自己印刷得比較精美,印刷的品質比中國產品好上百倍,但是因為物價與各種成本的關係,相對上遠比中國貴上許多,同時間這裡面也出現一個很簡單的問題,那就是中國的出版品是管制的,中國人的視聽是受到管理的,台商並不能在中國出版自己的出版產品,所有的出版產品決定權都還是在北京,相對上,中國的出版品在台灣卻到處流竄,對此政府並未大量禁止與管制,這就是極為不公平的對待,但本地出版廠商卻沒有因為服貿協定中臺灣政府有替本地廠商爭取相對權益而受益,在可見的未來,可能臺灣的出版品都是在中國印刷,爾後再透過快遞與空運來台銷售,如果真是如此,臺灣的出版業蕭條已是指日可待,因為中國還可能進一步掌握臺灣百姓的視聽權力,以後臺灣要看要聽甚麼,還得北京點頭才行!!

  臺灣本來就是比較自由的地方,在西元1991年時,本地的路邊攤已經能夠找到對岸寫的中華民國史,書中說了一件駭人聽聞的事情,那就是西元1949年中華民國已經消失!!看到這裡,我們還需要跟有這樣思想的人囉嗦嗎?但是又不能每個來的人都能檢查一下他們的腦袋,不是嗎?越自由的地方感覺上就是越沒秩序與越隨性!!只是說真格的,我們並沒有真正的自由,否則不會設計出這麼荒謬的制度要後面的人去買越來越貴的房,不會要窮人去負擔比較有錢者不合理的退休,最終這些拿優渥退休金的人還可能跑到中國去告狀,說在這裡又被哪些人欺負了!說來也是荒唐!!

  想說的是,看到這裡,馬政府下台時,不該去坐牢嗎??因為它的服貿協定與後續,已經說明了未來將會進一步摧毀掉了我們辛苦建立起來的民主制度!!仔細想想也是件荒唐事!!

Hello there:

  如果說中油台電賠錢是件錯事,那實施超過二十年的全民健保就也是件錯事,政府不該用自己的權力去破壞市場的機制,醫生與護士都該在營運不佳的時候,有權漲藥價與醫療費用來補貼工作薪資的不足,而不是為了希望多看一些病人,而降低掛號費,搞得自身過勞甚至死亡;其實這就是馬政府腦袋不清楚的地方;因為真的按照市場機制,台電中油本來就不該補貼大企業,這裡面包含補貼民間電廠的造電費用與一般大企業的用電費用,而全民健保本來就不該要求醫護人員來補貼全體民眾;如果說要有市場機制,我想就該一視同仁比照辦理!

  其實台灣本來就是社會主義國家,不論是李老先生還是小蔣先生都知道,我們很多很多的補助都是國外沒有的,國外根本沒有對大學跟高等教育有這麼多的補助,一般大學大一都只有分學院沒有分科系,而且招生或是學員不足的科系最後都會自己消失掉,那才是所謂的自由市場機制,很多台灣內需型的大企業其實都是靠軍公與公立學校教師的薪資與退休來養活,而這些人的薪資都是靠政府來支應的,本地很多很多的需求本來就是政府創造與補助的!如今馬政府亂花錢,補助不該補助的,該補助的國中小補救教育跟很多事情都沒做好,這是馬政府的無能!!本來就不該怪別人!!

  馬先生似乎無法認清即便在這樣的環境中,大家安逸慣了且少子化了,我們的孩子早就沒有競爭力了,誰要晚上不睡覺在那拼命念書?誰又要拼著老命一直去學習?二十年前理工組參與大學聯考的人數是五六萬人,現在是兩萬五千人左右,而二十年前大學的錄取率是百分之三十五左右,好學校更只有百分之二十五不到,現在考試人數減半但大學倍增,因此幾乎是百分之百錄取而且還有學校會有嚴重缺額,以前私校大學根本不在乎學生收不到學生,很多學生被當掉再考進來,現在已經沒有學校敢這樣做了,臺灣的學生的素質早就因為競爭不激烈而大幅度衰落,同樣地,對岸今年大學畢業生有七百五十萬人,有人開玩笑的說,光是這七百五十萬人,只要有十分之一的人想去美國或歐洲念高等教育,光是申請的人數就有七十五萬人之譜,同樣地,美國名校的名額其實這幾年也是不敢增加的,因此同時期想出去讀書的臺灣幾百個或一兩千個學子,就要跟這幾十萬人一起競爭了!!因此競爭是比過去二十年更為激烈的,但我們的孩子卻是非常非常弱的,當然可能臺政清交成還有一些不錯的,但都是百人以內之譜,雙手難抵萬拳!!

Hello there:

  這兩天遇見一個老師,總在抱怨台灣的教育已經沒救了!!臺灣的教育,其實花了老百姓很多很多的錢,但是我們的師資或是老師們的教學方法與熱誠,一直都是有問題的,而臺灣的教育,早就沒救了!其實這個老師的教學方法也是大有問題的,面對一班近百個學生,絕對不是採用一對一的教學方式,要同學一個一個去找它,而是該用最簡單的方式,讓大家能夠瞭解,一個好老師的功力就在這裡,很仔細地將面對考試的通則,利用淺顯易懂的實例來教育學生,最重要的是實例必須有一定的可信程度以及可模仿性,主要是要幫助學生通過該有的測驗,不是炫耀自己有多厲害,但是這些事情這個老師都沒有做到!而是在學生抱怨它的教學方式的時候,還不斷地強調是學生自己的問題!說真的,對此別人還真幫不上忙!!畢竟老師總比學生多念了幾年書,懂得比較多是根本與基礎的道理,但教學絕對不是這樣的,這裡面也顯現出或許這個老師是有精神方面或是身心方面的障礙的,因為年紀大應該是更有包容力,追根究柢可能跟這個老師沒有子嗣有關,沒有經過家庭的洗禮,終究是不成熟的!因為這個老師最後詞窮的時候,竟然叫學生去請一對一的私人家教,但是學生不是正在補習班跟您學習嗎?這是甚麼邏輯??

  曾經聽過臺北市某明星國中,學校的英文老師竟然硬性規定學生的英文草寫要如何撰寫,英文草寫並不在教科書的課綱內,光是草寫這件事情就讓那班學生困擾了一整個學期,同樣另一個老師還說教材課本某段文字是大有問題的,因此硬性規定學生一定要照她的意思來做選擇題目,後來這個老師不幸出了學校考題,結果產生了一些爭議!!而這是某臺北市明星國中的一例!另一例是另一所臺北市明星國中,國一資優班的學生不會加減乘除,簡單的說是會加法與乘法,但不會減法與除法,學生一直強調自己是"資優"班,不是"資源"班,強調當初也是考進去的,但家教老師覺得學生程度比較接近後者,總之這個學生從國一上學期到要國二開始,數學就是接近二十分左右,始終很難有起色,請了家教老師特別指導,學生學習意願低落,每次寫作業都只花了三分鐘抄襲後面的解答給老師,老師總以為學生練習完了,覺得可以跟家長交代了,結果考試出來還是全班倒數幾個,後來家教老師建議學生家長送學生去學"功文數學",家長說那不是國小四五年級在學的,家教老師很嚴肅的跟家長說"是的!您家公子的數學程度不到小學四五年級!!",家長很生氣地解雇了這個老師!!更有趣的是幾年前遇到的案例,某前三志願的明星高中學生,請了一個家教老師教數學,家教老師很驚訝的發現這個同學不是很理解因式分解,一元二次的,這是國中二年級上學期的課綱內容,於是花了很多時間幫忙複習,也很驚訝學生程度這麼棒也進得了前三志願,學生還跟家教老師說一件事情,那就是全班沒人聽得懂學校裡面的數學跟英文老師在教甚麼,所以全班都去補習,而且學生還知道臺北市前三志願的小孩百分之九十五都有去補習班補習,剩下去補習班聽不懂或有其他理由的只好請家教!!另一個最近幾年的例子是某國立大學數學碩士班畢業很靠近辛亥路的學生,有一天拿了一題高中數學來問她的同學,說是北市高中前幾志願的學生問她的,同學很驚訝的看著這個女生,然後寫了兩分鐘之後就將題目跟解答還給了她,實在不好意思多說甚麼,但心裡面很納悶這題未免也太基本,而這個女生是台灣非常頂尖的數學系與數學所畢業的學生,結果竟然連最基本的高中數學都無法解答!!

  每次接觸到了這些人這些事情,接觸到了這些學生,很清楚的知道臺灣已經很快樂了,心裡很清楚的知道台灣的老師對學生都很善待與寬容,這應該是件好事,只是基礎不穩,學生其實要有比較深入的學術發展與學習,相對上就會非常困難!因此很清楚的知道,這些那些都越來越不可能了!特別是當我們高中高職已經分流之後,孩子們在一些特定學校裡面是不用學習國英數的,或者說是教材簡單化或根本就廢除,試問當這些人去大學或是技職體系的學院或大專時,學校老師又如何進行教育?如果這些人有想出國讀書,想問的是有人能教育這些人嗎?技術學院跟科技大學都稱不上是正統所謂的大學,頂多說是大專,或者說只是一個在課程上面是比較具有實用性的高職,不少這些學校的老師是不配被稱之為教授的,就是講師而已,因為他們大多只有碩士學歷或是根本不可能也不知道該如何去做研究,會做研究的真的不多,很多臺灣的博士班根本就是碩士甚至是大學的水準,不要說有登過期刊就代表甚麼,這些人到底知不知道自己在學習甚麼??很多時候登期刊只是看勤奮與否,常丟總是會上的,總是去改進自己的文章總是會有登上的一天,但是教學其實也是要學習的,真正會教學跟真正會研究是不同的,這些人到底知不知道自己在做甚麼與研究甚麼,到底有沒有真的了解這些學問,那才是大學教授的天職,這些那些其實是讓人很值得懷疑的!!話說回來,以前就已經常聽到很多學生說去補習班補習,卻聽不懂補習班老師在教甚麼了,我想這不是特例與個案,在可預見的未來,這將是台灣的常態,因為連臺灣補習班的師資水準,在學生沒有能力分辨之下,其實也是越來越低的!畢竟補習班的老師也是學校轉任的,試問這些人的程度會多好?教學也是需要學習的,不是每個人天生就會教書,那需要老師自己有心去改進自己跟學習,以前我們都是努力去適應老師,等到做老師時已經是努力去適應學生了,這就是進步!!很多老派的老師還以為自己活在舊時代中,臺灣這個年頭,早就沒有學生適應老師的情境,只有老師拼命配合學生,否則怎麼會高朋滿座??或許正因為這些人學校發展的不順利,才會去補習班發展,不是嗎??很多時候,真的是不好再多說甚麼!當然可能某些補習班也樂得輕鬆,反正他們只在乎有沒有學生繳錢就是,根本不在乎學生的實際績效;說來這也是台灣的另一個悲哀!!

  從里先生,聯先生,送先生,晨先生到現在,我們總是不斷在內鬥與互相折磨,試問便宜了誰?這些上面的人都有豐厚的退休金,每年老百姓繳了很多稅金養這些人,試問我們折麼了誰?折麼了自己,不是嗎?!!受苦的是百姓,倒楣的是學生,學校老師因為里老或民近檔當選,因此不爽就在學校裡面亂教等退休,有沒有這種情況?而這樣的場景是不是很多?答案都是肯定的!這些人不是生病了,是甚麼??積重難返,但我們還是要付這些人退休前的百分之八十薪資給他們退休,不是嗎??!!同樣地,可能目前也有類似的情境繼續發生,只是換了個政黨傾向而已,不是嗎?

My Dear American people:

  It is the golden moment to see China finally wake up from its long-unawaken punch party. And it is the golden moment for you to help China to be a more civilized nation. It is time for Americans for find something new to trade with China even though they seems not to respect the intellectual property rights. I still think China has to change. China will face the same issue that more underdeveloped nations will try to copy the China's everything after several years to come. It is inevitable and no one can stop it.

  China lately finally realize it has to trim down its financial system, especially those ones with terrible record to inflate everything from house to precious herb. It is time to wake up China that it just can not get used to it anymore.

  I have to remind you that China is a society of communism. Everything people have can be taken back to the state if the government thinks that is right. In China, might is right. To be honest, I am not totally disagreed with it since there are always something unthinkable happening in China that make people suffer. Maybe the redistribution is good for them. Lately, everyone in China seems to be the slave of something, from house, precious metal, coal mines and important necessities. It does not raise their living standard but let them be the slave of their souls. Everyone in China wants to be richer but gets even worse than used to be. They take too much burden on house rents and other unnecessaries. It has to be solved and they just have no time to wait.

My Dear American people:

  Please do not say this time is different because it is not!! Please remeber what happens in those horrible years when both stock and bond go down. It takes several years to rebuild the faith. And it takes several years to have those markets on the right track. I know the punch party is over and everyone is still in drunk. But you have to have a crystally clear mind as this time will not be different. I have to say again that the emerging markets are in the danger of deflation even though we see their sovereign bonds go down. The U.S.A. may be in the position of disinflation if you do not help theose Americans with heavily debts. The market may not go up but to go down more than we know. If you do not try to solve and answer the market asking, the situation may get even worse. Everyone is afraid of the deflation may happen in the States if all of Americans just lose their faith NOW. It should be remined that those kind of horrible ghost stories are just to come AGAIN.

My Dear American people:

  This time is serious as we see the global markets crash down. This time, all of us have to face the consequence that even American markets can not get away from the disaster. I really worry about the contagion effect and do worry about it just happen on all of us. I think Americans should feel sorry about Mr. Bernanke as he is not aged but will be unemployed in six months. He just can not go back to Princeton when the teaching job market is tight. Mr Bernanke still has the mortgage to pay and still has to take responsible for his family. I think the U.S.A. is getting better under those sound monetary policies and Mr. Bernanke does a good job. He should not be disposed this time when the U.S.A. still need the one to help making sound decision about its monetary policy. I think others who are eager to replace Mr. Bernanke should abandon this kind of thought. And Mr. Bernanke should not be unemployed this time when he just make a big contribution to the economy of world.It is ironic,you know. When the one helps us to get through, but everyone turn their back on him!!  

  Mr. Bernanke makes big contributions to the economy of the whole world, not just the U.S.A. He does take those credits of those years in the U.S.A. And Mr. Obama should not dispose him like used tissue. Mr. Obama should show some respects to Mr. Bernanke and let him stay in the Fed for another years. The US-rescue job has not ended yet and there are a lot of things have to be done. Mr Obama should not consider others to replace Mr. Bernanke's position.

  To lay off Mr. Bernanke is a cold blood thing I have ever seen. To be honest, it is unthinkable. Let Mr Bernanke stay in the Fed is important. That is what my sincerely suggestion and that is the first priority Mr. Obama should do. The States is still in a fragile situation and the Fed policy should not be changed that much to let people fear. To let Mr. Bernanke stay in the Fed seems to be a better choice that Mr. Obama has to make. Those ones with mortgages to pay in the States should be treasured rather to be abandoned.