感恩所有报馆的报道 🙏
谢谢 💓 丽玲姐姐爱你们 🥳
抗疫时期应有✅的理财💰知识
谢谢南洋商报 💓 南洋商报 Nanyang Siang Pau
https://www.enanyang.my/北马/槟财务规划委员会-711联办中文理财论坛
谢谢中国报 💓 China Press (中國報)
http://penang.chinapress.com.my/20210630/%E7%96%AB%E6%83%85%E4%B8%8B%E7%9A%84%E7%90%86%E8%B4%A2%E7%9F%A5%E8%AF%86%E8%AE%BA%E5%9D%9B-711%E7%BA%BF%E4%B8%8A%E7%BA%A6%E5%AE%9A%E6%82%A8/
谢谢 光华报 💓 光华日报 Kwong Wah Yit Poh
https://www.kwongwah.com.my/20210630/%E6%8A%97%E7%96%AB%E6%97%B6%E6%9C%9F%E5%BA%94%E6%9C%89%E7%9A%84%E7%90%86%E8%B4%A2%E7%9F%A5%E8%AF%86%E8%AE%BA%E5%9D%9B%E7%BA%A6%E5%AE%9A%E6%82%A8%EF%BC%81/
谢谢光明日报 💓 Guangming Daily-光明日报
https://guangming.com.my/%e6%aa%b3%e8%8f%af%e9%9d%92%e5%9c%98%e7%90%86%e8%b2%a1%e8%ab%96%e5%a3%87-%e8%ab%96%e7%96%ab%e6%9c%9f%e7%90%86%e8%b2%a1%e5%8e%9f%e5%89%87%e7%9f%a5%e8%ad%98
谢谢 💓
https://cforum.cari.com.my/forum.php?mod=viewthread&tid=4284590&extra=
谢谢 💓
https://hotlah.cari.com.my/portal.php?mod=view&aid=154665
谢谢 星州日报 💓
https://www.sinchew.com.my/content/content_2511737.html
谢谢 💓 南洋商报 - 北马区
https://www.enanyang.my/北马/不仅储蓄-投资也是理财
谢谢 💓 The Star The Star
https://www.thestar.com.my/metro/metro-news/2021/07/15/pandemic-driven-financial-habits
Facing financial problems during the fighting periods against the pandemic
Dr Tan Chuan Hong: Welcome to free registration for attending 711 Mandarin Personal Financial Planning Forum.
The Chairman of the Malaysian Financial Planning Council Penang Chapter, Dr. Tan Chuan Hong urged the public to register to join the forum which will be held on July 11 (Sunday) at 2:30 pm. The forum “Knowledge, Attitude and Implementation of Personal Financial Planning during the Fighting Period against the Pandemic" is organised by Penang Chinese Town Hall Youth together with live broadcaster "Ling Listening to Your Heart".
He said that during the fighting period of more than a year against the pandemic, many people are facing financial pressures and suffering from mental illnesses such as depression, and there is a gradual increase in them.
Dr Tan Chuan Hong said that beside public hope that the government can give more assistance and revitalization packages to assist them, the council also hopes to provide more correct and positive financial management knowledge through this Personal Financial Planning forum. So that, the public can have a broader and long-term vision to deal with their own financial problems, whether it is to increase income and reduce expenditure, relieve debt pressure, prudent and smart investment or asset allocation and other arrangements as well as have a better understanding and wise decision-making.
"In terms of financial management attitude, we should handle financial crisis more carefully, and at the same time avoid overconfidence and fluke mentality to seek for opportunities of rapid gaining investment.”
Dr Tan Chuan Hong hopes that through this Personal Financial Planning forum, people can have a more rational attitude and strive to reduce emotional consumption when implementing their own money and avoid falling into investment scams with smarter financial management.
In addition, Penang Chinese Town Hall Youth YouTalk Online Bureau Chief said that the online live broadcast sharing session planned by Penang Chinese Town Hall Youth will mainly discuss about public welfare content related to citizens' awareness.
This is the sixth event which was also co-organized by the Penang Chapter of MFPC collaborated with famous artist Cindy Po 傅丽玲 ; and an interview will be carried out among Deputy President of Malaysian Financial Plaining Council Dr Chong Kok Fei who is also a Financial Education Manager of AKPK together with Chairman of MFPC Penang Chapter and Certified MFPC Trainer Dr Tan Chuan Hong.
Those who are interested in participating in this online Personal Financial Planning online forum can register for free (for the public) https://1st.mfpc.org.my/PublicEventRegistration/280, and (for MFPC members) through https://1st.mfpc .org.my and will get 2 CPDs points.
financial education中文 在 吳文遠 Avery Ng Facebook 的最佳貼文
【吳文遠十一遊行案法庭陳詞 — 中文譯本】
法官閣下:
從小我父母便教我要有同理心,要關顧社會上相對不幸的人。儘管在早年職業生涯上取得不俗成就,但我從來沒有意欲將追求個人財富視為人生目標。
當我在國外生活了多年後回到香港定居時,我為這個我自豪地稱之為家的城市,存在如此嚴重的社會不平等而感到困惑和擔憂。 令我震驚的是,社會如何漠視對窮人和少數族裔的歧視。既有的社會結構,有時甚至會鼓勵這種歧視繼續發生。同時,我們也無法一如其它地方,享有基本的民主權利和自由。
這些都是我參與社會運動以至參與政治的動機。我希望盡己所能,為被忽視的弱勢階層鼓與呼,替不能為自己發聲的人說話。
與許多人相比,我很幸運能夠接受良好教育,並擁有一定程度上的財務自由和社會地位。我們很幸運,能夠過上舒適生活,並有自由選擇我們的道路。我選擇為社會平等而奮鬥。其實這個法庭上許多人都差不多,我們都喜歡香港,這個稱為家的地方。或許我們在生活中選擇了不同的角色,但目標都是相同:為他人服務。
可悲的是,我擔心我們已經逐漸成為社會制度中的例外。當下許多香港人根本沒有那些機會,包括貧困長者,欠缺向上流動機會、被邊緣化的年輕人,還有犧牲所有時間但只能為家庭僅僅維持基本生活的工人。這些人再努力,生活中的選擇仍然局限於維持生計。對他們來說,「選擇」是負擔不起的奢侈品,更不用說如何決定自己的命運。
在生活壓力下,我們的視野通常很難超越自身的社交圈子,更難的是對陌生人展現同理心。兩極化的政治分歧產生越來越多裂痕,令我們有時候無法互相理解、和而不同,亦不願意試圖尋求某種程度的妥協。
我一直希望,一個較民主的制度能夠成為一道橋樑,彌合上述社會鴻溝,或者至少容讓我們選擇怎樣共同生活。
2019年的動盪,為整個社會帶來了沉重的打擊。無論政治立場如何,我敢肯定這個法庭上有許多人,都為此而傷心欲絕。整座城市都被不信任、仇恨和恐懼所淹沒。今天固然不是討論這個問題的合適地方,但我希望法庭能夠理解,僅靠司法機構並不能解決已經根深蒂固的社會政治鴻溝。
我們需要集體力量、勇氣、誠實和同理心來修補我們的家。看看幾位同案被告,他們在服務社會方面有著非凡的紀錄。比起囚禁在監獄,我相信他們能夠對社會作出更大貢獻。
為了追求全體香港人的權利,我的確違反了法律,並且已準備面對法院的判決。令人敬重的幾位同案被告,畢生捍衛法治,為民主而戰,為無聲者發聲,我十分榮幸能夠與他們並肩同行。
我相信終有一天,籠罩我們城市的烏雲將會消散,光明將會重臨,愛和同理心將會戰勝歸來。
吳文遠
2021年5月24日
Avery Ng Man Yuen’s Statement
Your Honour,
I was brought up by my parents to value the importance of empathy, to care and to feel for others in our community less fortunate. Although I enjoyed great success early in my career, I never had a desire to pursue personal wealth in the more traditional sense.
When I settled back in Hong Kong after years of living abroad, I was baffled and disturbed by how severe the social inequality existed in a city I am proud to call my home. I was struck at how discrimination against the poor and the minorities far too often goes ignored or can even at times is encouraged by the established social structure; and how we cannot have the basic democratic rights and freedoms that other places enjoy.
These were my motivations to join social activism and enter into politics. I chose to spend my energy to speak for the underprivileged, the disenchanted and often ignored segments of society. To offer a voice for those who could not speak for themselves.
Compared to many, I am privileged to have a great education and a certain level of financial freedom and social standing. We are fortunate enough to be able to lead comfortable lives and have the freedom to choose the path that we take. I chose to fight for social equality. Many of those in this court are not that much different. We all love Hong Kong, the place we call home. We chose our different roles in life but with the same aim: to serve others.
Sadly, I fear that many of us are increasingly the exception to the rule. Today far too many Hong Kong people do not have that chance, whether that is our elderly who live in poverty, marginalized youth with few opportunities for social mobility, or workers who give up all their time slaving away to provide the bare minimum for their families. These people all struggle to make ends meet with very limited options in life. “Choice” for them is a luxury that they cannot afford. Let alone having the gratification of being able to dictate their own destiny.
I recognise, with the pressures of life, it is often difficult for people to see beyond their own social bubble. It is harder still to acquire empathy for strangers. Polarized political division increasingly has driven a wedge between people, making it sometimes impossible for people to understand and empathise with one another, to disagree agreeably, and attempt to find some level of compromise.
It has always been my hope that a more democratic system could be the bridge that heals this social divide or at the very least allow us to choose how we can live together in our home.
I’m certain that none of us in this court wanted to see the turmoil in 2019, which has seen our whole society suffer regardless of political preference. Distrust, hatred, and fear has engulfed Hong Kong. Today is certainly not the right forum for this immense topic. However, I hope the court can understand that the Judiciary alone cannot resolve the deep-rooted socio-political divide which exist.
It will take our collective strength, courage, honesty, and empathy to mend our home. Looking at my fellow defendants with their extraordinary history in serving this society, I believe they can do far greater good among us in society than being locked in prison.
In pursuit of the rights of all Hong Kong people, I have broken the law. I am prepared to face the court’s judgement. I am proud to be in the company of my esteemed fellows who have spent their lives championing the rule of law, fighting for the democracy and voicing for the voiceless.
I believe the storm-clouds that currently reside over our home will one day lift, and make way for a bright and clear day. I believe love and empathy will eventually prevail.
————————————
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financial education中文 在 Roger Chung 鍾一諾 Facebook 的精選貼文
今早為Asian Medical Students Association Hong Kong (AMSAHK)的新一屆執行委員會就職典禮作致詞分享嘉賓,題目為「疫情中的健康不公平」。
感謝他們的熱情款待以及為整段致詞拍了影片。以下我附上致詞的英文原稿:
It's been my honor to be invited to give the closing remarks for the Inauguration Ceremony for the incoming executive committee of the Asian Medical Students' Association Hong Kong (AMSAHK) this morning. A video has been taken for the remarks I made regarding health inequalities during the COVID-19 pandemic (big thanks to the student who withstood the soreness of her arm for holding the camera up for 15 minutes straight), and here's the transcript of the main body of the speech that goes with this video:
//The coronavirus disease 2019 (COVID-19) pandemic, caused by the SARS-CoV-2 virus, continues to be rampant around the world since early 2020, resulting in more than 55 million cases and 1.3 million deaths worldwide as of today. (So no! It’s not a hoax for those conspiracy theorists out there!) A higher rate of incidence and deaths, as well as worse health-related quality of life have been widely observed in the socially disadvantaged groups, including people of lower socioeconomic position, older persons, migrants, ethnic minority and communities of color, etc. While epidemiologists and scientists around the world are dedicated in gathering scientific evidence on the specific causes and determinants of the health inequalities observed in different countries and regions, we can apply the Social Determinants of Health Conceptual Framework developed by the World Health Organization team led by the eminent Prof Sir Michael Marmot, world’s leading social epidemiologist, to understand and delineate these social determinants of health inequalities related to the COVID-19 pandemic.
According to this framework, social determinants of health can be largely categorized into two types – 1) the lower stream, intermediary determinants, and 2) the upper stream, structural and macro-environmental determinants. For the COVID-19 pandemic, we realized that the lower stream factors may include material circumstances, such as people’s living and working conditions. For instance, the nature of the occupations of these people of lower socioeconomic position tends to require them to travel outside to work, i.e., they cannot work from home, which is a luxury for people who can afford to do it. This lack of choice in the location of occupation may expose them to greater risk of infection through more transportation and interactions with strangers. We have also seen infection clusters among crowded places like elderly homes, public housing estates, and boarding houses for foreign domestic helpers. Moreover, these socially disadvantaged people tend to have lower financial and social capital – it can be observed that they were more likely to be deprived of personal protective equipment like face masks and hand sanitizers, especially during the earlier days of the pandemic. On the other hand, the upper stream, structural determinants of health may include policies related to public health, education, macroeconomics, social protection and welfare, as well as our governance… and last, but not least, our culture and values. If the socioeconomic and political contexts are not favorable to the socially disadvantaged, their health and well-being will be disproportionately affected by the pandemic. Therefore, if we, as a society, espouse to address and reduce the problem of health inequalities, social determinants of health cannot be overlooked in devising and designing any public health-related strategies, measures and policies.
Although a higher rate of incidence and deaths have been widely observed in the socially disadvantaged groups, especially in countries with severe COVID-19 outbreaks, this phenomenon seems to be less discussed and less covered by media in Hong Kong, where the disease incidence is relatively low when compared with other countries around the world. Before the resurgence of local cases in early July, local spread of COVID-19 was sporadic and most cases were imported. In the earlier days of the pandemic, most cases were primarily imported by travelers and return-students studying overseas, leading to a minor surge between mid-March and mid-April of 874 new cases. Most of these cases during Spring were people who could afford to travel and study abroad, and thus tended to be more well-off. Therefore, some would say the expected social gradient in health impact did not seem to exist in Hong Kong, but may I remind you that, it is only the case when we focus on COVID-19-specific incidence and mortality alone. But can we really deduce from this that COVID-19-related health inequality does not exist in Hong Kong? According to the Social Determinants of Health Framework mentioned earlier, the obvious answer is “No, of course not.” And here’s why…
In addition to the direct disease burden, the COVID-19 outbreak and its associated containment measures (such as economic lockdown, mandatory social distancing, and change of work arrangements) could have unequal wider socioeconomic impacts on the general population, especially in regions with pervasive existing social inequalities. Given the limited resources and capacity of the socioeconomically disadvantaged to respond to emergency and adverse events, their general health and well-being are likely to be unduly and inordinately affected by the abrupt changes in their daily economic and social conditions, like job loss and insecurity, brought about by the COVID-19 outbreak and the corresponding containment and mitigation measures of which the main purpose was supposedly disease prevention and health protection at the first place. As such, focusing only on COVID-19 incidence or mortality as the outcomes of concern to address health inequalities may leave out important aspects of life that contributes significantly to people’s health. Recently, my research team and I collaborated with Sir Michael Marmot in a Hong Kong study, and found that the poor people in Hong Kong fared worse in every aspects of life than their richer counterparts in terms of economic activity, personal protective equipment, personal hygiene practice, as well as well-being and health after the COVID-19 outbreak. We also found that part of the observed health inequality can be attributed to the pandemic and its related containment measures via people’s concerns over their own and their families’ livelihood and economic activity. In other words, health inequalities were contributed by the pandemic even in a city where incidence is relatively low through other social determinants of health that directly concerned the livelihood and economic activity of the people. So in this study, we confirmed that focusing only on the incident and death cases as the outcomes of concern to address health inequalities is like a story half-told, and would severely truncate and distort the reality.
Truth be told, health inequality does not only appear after the pandemic outbreak of COVID-19, it is a pre-existing condition in countries and regions around the world, including Hong Kong. My research over the years have consistently shown that people in lower socioeconomic position tend to have worse physical and mental health status. Nevertheless, precisely because health inequality is nothing new, there are always voices in our society trying to dismiss the problem, arguing that it is only natural to have wealth inequality in any capitalistic society. However, in reckoning with health inequalities, we need to go beyond just figuring out the disparities or differences in health status between the poor and the rich, and we need to raise an ethically relevant question: are these inequalities, disparities and differences remediable? Can they be fixed? Can we do something about them? If they are remediable, and we can do something about them but we haven’t, then we’d say these inequalities are ultimately unjust and unfair. In other words, a society that prides itself in pursuing justice must, and I say must, strive to address and reduce these unfair health inequalities. Borrowing the words from famed sociologist Judith Butler, “the virus alone does not discriminate,” but “social and economic inequality will make sure that it does.” With COVID-19, we learn that it is not only the individuals who are sick, but our society. And it’s time we do something about it.
Thank you very much!//
Please join me in congratulating the incoming executive committee of AMSAHK and giving them the best wishes for their future endeavor!
Roger Chung, PhD
Assistant Professor, CUHK JC School of Public Health and Primary Care, @CUHK Medicine, The Chinese University of Hong Kong 香港中文大學 - CUHK
Associate Director, CUHK Institute of Health Equity
financial education中文 在 ️Financial Literacy 我們常常會翻譯成為〔財務素養〕 不過 ... 的推薦與評價
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