2016年9月29日 星期四


BBC News
Barack Obama said the bill would set a "dangerous precedent" for individuals around the world to sue the US government.

Uber and Amazon want to compete with UPS, FedEx, and your pizza guy

The shipping industry is large, complex, and relatively unchanging. So of course tech companies think it's ripe for innovation.

Whether it’s food delivery or hauling freight, tech giants think they can move…

2016年9月28日 星期三


【臺大矽谷中心「資源 +人才+ 前瞻式技術」科技發表會即將登場】
臺灣大學矽谷中心成立於2016年6月11日,位於北加州矽谷的 Milpitas 市,當天由楊泮池校長親臨剪綵,多位VIP及校友們一起見證這個歷史的時刻。
經過四個月的努力,矽谷中心目前已有五項科技項目在初創階段:精準醫療(Precision Medicine)、智慧資料傳輸架構(under Smart City framework)、精準農業(Precision Agriculture)、EMR e-Commerce -醫療資源整合,減少醫療資源浪費,結合醫療消費鏈及大數據智能平臺,此五項科技項目將在10月17日的發表會正式向各界介紹。
•建立服務平臺, 提供矽谷及全美有意創新創業之臺大校友(及非校友)在創業過程中的支援與高附加價值之服務
●2016~2017 工作計劃●
•10/17/2016 在矽谷中心舉辦「資源 +人才+ 前瞻式技術」科技項目發表會
•不定期舉辦創業及就業座談會, 吸引專業人才, 建立資源庫
•2017年第一季計劃舉辦 Smart Data Communication/Smart City 參訪座談會
•2017年第二季計劃結合Stanford 與臺大/永齡合作之華人基因精準醫療 Conference
•建立數位溝通平臺, 連結不同時區(Time zone) 的新創公司與投資資源, 舉行網路發表會議
聯絡人: 陳麗娟 Julie Chen
Email: julie.ntu.sv@gmail.com
Facebook: Search for “NTU@SV 臺大矽谷中心”

Watching on Mute, I Still Knew the Score


In Suburbia, Doubts Persist About Trump

Undecided women in Philadelphia’s suburbs, a crucial voting bloc, said Mr. Trump had not only failed to win them over but in many cases had repelled them.


Watching on Mute, I Still Knew the Score

The idea was simple: to test the theory that what presidential candidates say during debates is less important than what they look like while they’re saying it.

2016年9月27日 星期二

Wells Fargo Chief Forfeits $41 Million Amid Scandal:美商富國銀行醜聞 Wells Fargo fined $190m and fires 5,300 staff

Wells Fargo Chief Forfeits $41 Million Amid Scandal

As John G. Stumpf faces more congressional grilling, the bank’s board said he would forfeit about $41 million in stock awards, forgo his salary during the inquiry and receive no bonus in 2016.

She's walking away from Wells Fargo with a very full bank account—and praise.

$125 million in stock and options.

Investigators found staff signing customers up to additional bank accounts & credit cards WITHOUT their knowledge

Wells Fargo has been ordered to pay a record-breaking $190million and has…

!!!!! CNN美商富國銀行醜聞 
The phony accounts earned the bank unwarranted fees and allowed Wells Fargo employees to boost their sales figures and make more money.
"Wells Fargo employees secretly opened unauthorized accounts to hit sales targets and receive bonuses," Richard Cordray, director of the Consumer Financial Protection Bureau, said in a statement.
Wells Fargo confirmed to CNNMoney that it had fired 5,300 employees over the last few years related to the shady behavior. Employees went so far as to create phony PIN numbers and fake email addresses to enroll customers in online banking services, the CFPB said.
The scope of the scandal is shocking. An analysis conducted by a consulting firm hired by Wells Fargo concluded that bank employees opened over 1.5 million deposit accounts that may not have been authorized.
The way it worked was that employees moved funds from customers' existing accounts into newly-created ones without their knowledge or consent, regulators say. The CFPB described this practice as "widespread." Customers were being charged for insufficient funds or overdraft fees -- because there wasn't enough money in their original accounts.
Additionally, Wells Fargo employees also submitted applications for 565,443 credit card accounts without their customers' knowledge or consent. Roughly 14,000 of those accounts incurred over $400,000 in fees, including annual fees, interest charges and overdraft-protection fees.
The CFPB said Wells Fargo will pay "full restitutions to all victims."
Wells Fargo is being slapped with the largest penalty since the CFPB was founded in 2011. The bank agreed to pay $185 million in fines, along with $5 million to refund customers.
"We regret and take responsibility for any instances where customers may have received a product that they did not request," Wells Fargo said in a statement.
Wells Fargo has the highest market valuation among any bank in America, worth just north of $250 billion. Berkshire Hathaway (BRKA), the investment firm run legendary investor Warren Buffett, is the company's biggest shareholder.
Of the total fines, $100 million will go toward the CFPB's Civil Penalty Fund, $35 million will go to the Office of the Comptroller of the Currency, and another $50 million will be paid to the City and County of Los Angeles.
"One wonders whether (the CFPB) penalty of $100 million is enough," said David Vladeck, a Georgetown University law professor and former director of the Federal Trade Commission's Bureau of Consumer Protection. "It sounds like a big number, but for a bank the size of Wells Fargo, it isn't really."
Wells Fargo confirmed to CNNMoney that the 5,300 firings took place over several years. The bank listed 265,000 employees as of the end of 2015.
"At Wells Fargo, when we make mistakes, we are open about it, we take responsibility, and we take action," the bank said in a memo to employees on Thursday.
The CFPB declined to comment on when the investigation began and what sparked it, citing agency policy. "We don't comment on how we uncover these matters," a spokesman said.
As part of the settlement, Wells Fargo needs to make changes to its sales practices and internal oversight.
Customers are fuming. Brian Kennedy, a Maryland retiree, told CNNMoney he detected an unauthorized Wells Fargo account had been created in his name about a year ago. He asked Wells Fargo about it and the bank closed it, he said.
"I didn't sign up for any bloody checking account," Kennedy, who is 57 years old, told CNNMoney. "They lost me as a banking customer and I have warned family and friends."
"Consumers must be able to trust their banks," said Mike Feuer, the Los Angeles City Attorney who joined the settlement.
Feuer's office sued Wells Fargo in May 2015 over allegations of unauthorized accounts. After filing the suit, his office received more than 1,000 calls and emails from customers as well as current and former Wells Fargo employees about the allegations.
Wells Fargo declined to say when it hired a consulting firm to investigate the allegations. However, a person familiar with the matter told CNNMoney the bank launched the review after the L.A. lawsuit was filed.
Even though the Wells Fargo scandal took place nationally, the settlement with L.A. requires the bank to specifically alert all its California customers to review their accounts and shut down ones they don't recognize or want.
"How does a bank that is supposed to have robust internal controls permit the creation of over a half-million dummy accounts?" asked Vladeck. "If I were a Wells Fargo customer, and fortunately I am not, I'd think seriously about finding a new bank."
--To reach the author of this article email Matt.Egan@cnn.com

2016年9月26日 星期一

三星溢價優勢之挑戰與維護: Samsung Expands Early-Stage Tech Funds

Samsung Expands Early-Stage Tech Funds to ‘Leapfrog’ Rivals

Gwen Ackerman GwenSahar   September 25, 2016

Samsung Electronics Co. opened a branch of its early-stage technology investment program in Tel Aviv to better tap into the innovative engineering for which Israel is known.
Investment in individual companies will typically be about $1 million with no limit on the number of beneficiaries or the funding amount, Eyal Miller, Samsung Next Tel Aviv’s general manager and chief executive officer, said at a news conference.
“Everyone is trying to leapfrog the competition,” Kai Bond, general manager and CEO of Samsung Global Innovation Center in New York, said in an interview. “But for us to continue to innovate three, five, seven years out, we want to play with individuals who are very, very early on, at a concept phase with a vision, as opposed to something that is fully established.”
Apple Inc., a top Samsung competitor, acquired India’s Tuplejump Software Pvt. Ltd. earlier this year to expand its expertise in artificial intelligence. The purchase was Apple’s third acquisition this year in an area that has become a key investment field for tech giants as they compete to develop virtual assistants.
Started three years ago, Samsung Global Innovation Center has invested in more than 40 technologies and acquired 11, including one that powers the Samsung Galaxy mobile phone payment software, Miller said. The Tel Aviv division joins teams in California, New York and South Korea at a time when Samsung is recalling its iPhone-rivaling Galaxy Note 7 mobile phones, after some batteries overheated or burst into flame. 
The Samsung Next Tel Aviv initiative is the latest sign of the South Korean company’s increasing interest in Israeli innovation. Samsung Electronics has been investing in and acquiring Israeli companies for the past decade.
“Tel Aviv has more talented engineers per square foot than anywhere in the world,” said Bond. The division will invest in areas that include artificial intelligence, cyber security, augmented and virtual reality.
The new program dovetails with Israel’s attempts to widen trade with Asian countries to offset declining exports to the U.S. and Europe. In May, Israel and South Korea announced the opening of free-trade talks to expand commerce between the two countries that stood at $1.7 billion in 2015.

彭博看Note 7自燃:三星溢價優勢恐陪葬


【劉利貞╱綜合外電報導】財經媒體彭博評論,GALAXY Note 7自燃帶給三星電子的最大風險不是市佔率下滑,而是可能為贏回消費者芳心而犧牲當前訂價策略。目前三星手機價格比市場均價高26%,獲利能力勝過大多數同業,若選擇降價以維護市佔,將削弱利潤、失去訂價優勢。
彭博指出,250萬支Note 7相當於三星2015年全球手機出貨量0.8%,可謂微不足道,但20億美元(約627億元台幣)回收成本對獲利的衝擊不能小覷。20億美元約佔三星電信通訊設備部門2015年營業利益22%,而該部門貢獻三星近半營收。

撐過去 利益就升

選擇降價以重新培養客戶忠誠度,或許能維持市佔,但彭博建議不如擴大投資研發,投注品管與行銷。這將使短期與長期成本上升,但若能撐過Note 7回收風暴及市佔暫時下降而不犧牲現行訂價,將限縮Note 7負面影響,甚至使營業利益升高。 

Deutsche Bank's shares have fallen to a fresh low. When Donald Trump Needs a Loan, He Chooses Deutsche Bank

Jitters are spreading to other European banks.
The value of Germany's largest bank has halved this year

輔大性侵案與"Give the benefit of the doubt"

近2~3天,我遇見的文章 (只讀幾篇),幾乎清一色的討伐輔大的夏院長。這情形很特別,或許是一種媒體生態,多人喜歡"談性侵案"與"正義在我方"。此案教育部早已介入,現在竟然又要監察院,再聘三位公正"專家",可能數百篇的"聲討"......
有意思的是,現在查Google的"Give the benefit of the doubt",先得到的界定:"The Urban Dictionary defines it this way: “When giving someone the benefit of the doubt, you are believing what they say and taking their word because you, yourself, have some doubt about what happened.”Oct 9, 2013



我贊同柯文哲和莫克爾的作法:在合法下,要根據自己的價值觀行事。一是開始樹立北市的公教人員撤職的法律,一是為德國謀五十年後的強(國勢與道德 )國。

八仙塵爆案 傷者26日赴新北市府抗議


2016年9月25日 星期日

《壹週刊》退輔會另創《鏡週刊》: 遠離政治!謝國樑公開宣布與鏡傳媒分道揚鑣

謝國樑 鏡傳媒 壹週刊 #中資
#鏡傳媒 #鏡周刊 #遠離政治
英文中國郵報 華聯國際 裴偉

// 相對於台壹的全力轉型,將成立的《鏡週刊》卻大走回頭路,不但接手台壹沉痾的人事成本,更將大筆資金挹注在市場日益衰退的紙媒,如何創造新的營運模式殺出周刊活路,成為傳媒圈討論焦點。



2016年9月22日 星期四

Burton Malkiel's A Random Walk Down Wall Street, Now he wants to make investment advice cheap and automated

Burton Malkiel has been saying the same thing about investing for more than 40 years. What’s new is that a big chunk of the financial industry now admits he was right all along.
In 1973, Malkiel, a Princeton professor, published the first version of his investment guide, A Random Walk Down Wall Street. He wrote that “a blindfolded monkey throwing darts at the stock listings could select a portfolio that would do just as well as one selected by the experts.” Since most investors can’t beat the market average over time, he argued, they’d be better off in some kind of low-fee fund that simply held all of the stocks on a widely followed index. Problem was, no such retail fund existed.

Malkiel, 84, is now chief investment officer at Wealthfront, a Silicon Valley startup that’s become one of the leading robo-advisers—firms that use index funds to build automated investment plans for a fraction of the fees charged by traditional advisers. Just as index funds brought down the cost of investing, robo-advisers will bring down the cost of advice, says Malkiel, who spent 27 years on the Vanguard board. “The one thing I know is that the less I pay the purveyor, the more there will be left for me,” he said.

He saw it coming before anyone else— more than 40 years ago.

Now he wants to make investment advice cheap and automated.

談"文藝復興式領導者的條件"說 (蘋論)

Towards the end of his life, the great organisational thinker Peter Drucker wryly observed that although he'd spent half a century speaking about the mysterious, seductive, much sought-after quality called "leadership", he wasn't sure there was much to be said about it at all. "The only thing you can say about a leader," he remarked, "is that a leader is somebody who has followers." This circularity hasn't stopped numerous gurus presenting themselves as purveyors of the "laws" or "secrets" of leadership

談"文藝復興式領導者的條件"說 (蘋論)



我想美國的建國英豪中,有好幾位可屬於"文藝復興式領導者" (譬如說,Wen Hui Hung :有次看約翰·亞當斯(美國第二任總統,也是其中一個開國者)的自傳時,就很驚訝當時他們法治觀念的進步。),不過,為什麼第4~5任之後的總統 (約200年),沒這種人呢?


蘋論:中研院長的條件 | 蘋果日報
APPLEDAILY.COM.TW|作者:蘋果日報 2016.4.1




2016年9月21日 星期三

政界要人的顧問公司:Kissinger Associates 及Tony Blair 的

Kissinger Associates - Wikipedia, the free encyclopedia

Kissinger Associates, Inc., founded in 1982, is a New York City-based international consulting firm, founded and run by Henry Kissinger and Brent Scowcroft.

Financial Times
Controversial clients included the authoritarian government of Kazakhstan and an Abu Dhabi investment fund.
Since leaving office in 2007, the former UK prime minister has built up a…