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2016年9月29日 星期四

參議員否決總統提案將立下危險的先例,讓個別外國人可訴美國政府



參議員法案:美國911受難家屬可個別向沙烏地阿拉伯政府提訴訟
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…
TECHNOLOGYREVIEW.COM|由 JAMIE CONDLIFFE 上傳

2016年9月28日 星期三

臺大矽谷中心

【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。
●矽谷中心願景●
•協助建立臺灣大學與美國學術研究機構間之戰略合作平臺
•成為臺灣大學與矽谷之窗口與橋樑
•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
•整合矽谷及全美臺大校友資源,做為創新團隊的有力支援後盾
•做為臺灣大學創新團隊來到矽谷的服務與資訊中心
●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
目前矽谷中心由五位委員會成員共同管理,成員名單有:馬海怡,沙正治,楊弘仁,吳澄宜,陳麗娟。臺大矽谷中心希望結合校友的專業、經驗、人脈、資源,一起協助母校及學弟妹們達成創新創意的遠景。
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

By QUYNHANH DO and MICHAEL D. SHEAR

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.

REPORTER'S NOTEBOOK

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.
FORTUNE.COM




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…
DAILYMAIL.CO.UK


!!!!! 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

2016年09月27日

【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
FT.COM

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

剛剛讀了"柯文哲迷航"和"[何清涟:德国的戏剧:默克尔如何毁掉德国的未来]"。

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

現在去新北市政府,聲援八仙塵爆的受害者和家屬。
交通部觀光局的前兩位局長,合計在位10年。每年檢查八仙樂園,居然對違規營業的設施視而不見;還年年頒獎給業者!
這樣怠乎職守的機關首長,退休之後,竟然還能繼續當什麼董事長,當什麼觀光協會理事長?
⋯⋯
(中央社記者游凱翔台北12日電)八仙塵爆案今天二審首開庭,但玩色創意…
WWW.CNA.COM.TW|由中央通訊社上傳

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
許久未在媒體前曝光的前立委謝國樑,今(26)日大動作舉行記者會,說明…
PEOPLENEWS.TW




// 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。
而資金來源絕對是令人好奇的一環,據說,《鏡週刊》背後是私募基金,股東身分相當神祕,初期募資金額約有六到十億元已經到位。市場傳言,資金來源與中信集團少東辜仲諒、台塑集團總裁王文淵可能有關聯,但兩集團已私下否認此事,讓金主身分暫時成謎。
但有趣的是,攤開壹傳媒的買賣史,中信、台塑不是首次被提起。二○一二年十一月二十八日,黎智英曾打算把台灣壹傳媒(當時含壹電視)包裹賣給辜仲諒、王文淵、旺旺集團主席蔡衍明、龍巖董事長李世聰、台灣產物保險董事長李泰宏等五大買家,後來因故破局。
本刊調查期間,知情人士另透露《鏡週刊》的取材走向,將向新興的香港網上新聞媒體香港01(hk01.com)取經,以政商時事深入報導為主、生活娛樂為輔。
香港01是于品海在香港雨傘運動後籌組而成,于品海目前是香港上市公司南海控股的主席,主要業務是中國內地的電影院生意,于年輕時開始涉入中、港、台三地的傳媒經營,多次被港媒起底背後有中國政府資金。而香港01上的部分報導或評論文章更因立場親中與親梁振英,惹來不少批評與猜測。//


「言猶在耳,不到兩個月,卻傳出他覓得資金要創設與舊東家性質雷同的新媒體;此外,他還大舉接收遭台壹資遣的舊員工,近期更策動台壹現職的一級主管、記者整批離職。除此之外,他也向其他傳媒挖角,並重金招聘數位人才,種種戲劇性發展,不免引來反擊的聯想。
據調查,裴偉籌設的周刊暫時定名《鏡週刊》,主要取「明鏡如水」之意,
......
由旺旺中時媒體集團發行的《周刊王》,當初成立時,也曾挖角台壹記者複製經驗。但此次《鏡週刊》網羅的對象,除了文字及攝影記者之外,還包括文、美編,連行政部門、秘書、司機都不放過,一名內部人士描述:「像肉粽一樣把人整串帶走,是想要讓台壹難看,打臉老東家罷了。」
領取優退方案走人的「退輔會」成員,無縫接軌地投向新東家懷抱,裴偉持續大手筆挖角台壹現職記者,幾乎全編輯部的員工都曾被詢問過。一名記者說,為了彌補跳槽可能產生的損失,新東家同意將潛在的資遣費,按月分攤加計入月薪裡,並允諾跳槽的同事加薪升職、擴大管轄人力編制等,種種與媒體現況反其道的土豪式投資舉動讓台壹記者奮不顧身的投奔。
在新東家精準策畫下,八月九日當天,多名在職記者發難,向台壹人事部門申請離職單,連續三天,包括財經、社會、專案、娛樂組記者及一級主管︵含副總︶,將近二十人遞出辭呈。這個突發狀況讓職員面面相覷,早已得知內情的記者則私下感嘆:「這一天總算來了!」
......
一名前台壹編輯部主管、並長期觀察傳統紙媒走勢的人士分析:「看來黎智英和張劍虹面對台壹大地震,看法並不悲觀,對壹傳媒管理層而言,台壹內部的資深記者配合數位化的腳步過慢,甚至消極抵抗,早已讓香港人頭痛不已,如果可以趁機換新血,不但降低龐大的薪資成本、省去大筆資遣費,還提前換來另一批年輕、掌握數位能力的記者,難道不是天上掉下來的禮物嗎?」

八月九日起一連三天,台灣《壹週刊》包括記者、副總將近二十人遞出辭呈,投向前社長裴偉籌組的《鏡週刊》懷抱。《鏡週刊》集結一批《壹週刊》老員工,反趨勢大手筆搞紙媒,卻傳出背後可能有中資色彩。但裴偉對外強調金主都是純台資企業。
NEW7.COM.TW

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.


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

Now he wants to make investment advice cheap and automated.
BLOOMBERG.COM

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)


我很怕讀到關於"大學校長"或"研究機構"的執行長/院長之類的文章。

我有一本約四、五百頁的"領導學"稿本,對於中西方近2000年的相關論述有齋論,卻一直沒勇氣讓它問世,因為要有讓所有人信服的"領導者的條件",幾乎不可能。譬如說,美國的"總統學"很發達,學者可以選出近一打的總統比較英明、有貢獻,可是誰最令人佩服?這可是很見仁見智的事。

很少有人提"文藝復興式領導者"作為條件的說法,因為"蘋論"的界定很模糊,無法運作。
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?

所以今天的蘋論,或可當它是愚人節之說法。2016.4.1



蘋論:中研院長的條件 | 蘋果日報
翁啟惠神隱落跑,創下中研院有史以來從沒有的紀錄。身為院長竟像小賊般縮頭縮腦,讓人拍案驚奇,可以寫新版《儒林外史》了。
APPLEDAILY.COM.TW|作者:蘋果日報 2016.4.1





......地位崇高的人,要負的責任不只守法,更要注意道德與倫理,人品重要性高於一切,高於學術地位、高於守法、高於名氣財富,就算他已獲得諾貝爾獎,在人品上失格也得不到尊敬。 
中研院新院長出缺,總統有權任命院長,但馬總統卸任在即,原則上不該再任命重大人事;可等蔡英文上任後任命。經過翁案,民眾對中研院的人事開始產生參與的興趣,也希望過程透明。以往總統可以關起門來選院長的時代過去了,民意伸展到全國最高的象牙塔內,也許是翁啟惠無心插柳的貢獻吧。 

需文藝復興式領導

院士們對新院長的期許是:兼具理工、人文素養、有學者風骨、不向政治低頭、不把錢看得太重。這些都很對,其中兼具理工與人文素養應是最關鍵的條件。但是台灣的大學和歐美的不同,太急功近利,太早把理工與人文分家,使得理工科學生欠缺人文素養;人文科學生對自然科學鴨子聽雷,對人類文明發展的全貌沒有理解,只懂得自己選擇的部分。這種對人類文明認識殘缺、零件化的了解,是台灣沒有思想家、沒有哲學家、沒有大師級學者的主因。
直白說,台灣需要「文藝復興人」那樣的學者來領導中研院。15世紀興起的文藝復興式的知識份子,是科學、天文、哲學、神學、工藝、歷史、文學、藝術都淵博的學者,達文西就是例子,胡適算半個。這樣的知識人方能讓中研院蓬勃、平衡地發展,並引領全國博學的風潮。可是我們的文藝復興人何處可尋? 

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

https://en.wikipedia.org/wiki/Kissinger_Associates
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…
FT.COM

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