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👉 Why I want to leave my stories behind

  Every person is born with a biological blueprint that helps shape who we become. But life is not only determined by our beginnings. Along ...

My Old Bungalow: A Fresh Look with Old Memories



                                                The original cider wood sidings

I’ve lived in my bungalow since 2010. When I first met John, the original owner, he told me the house was already about 50 years old. That might sound old to some, but the moment I stepped inside, I could tell he had taken good care of it. The structure was solid, the charm undeniable, and it carried a kind of quiet dignity.


One of the little things that won my heart was the cedar sidings. They weren’t just on the outside — they seemed to breathe life into the house. Every time I opened the front door, I would be greeted by that faint cedar fragrance. It’s hard to describe, but it’s earthy and calming, almost like nature whispering, “Welcome home.” Isn’t it nice when a house greets you like that?


Before moving in, I gave the inside a renovation to make it more comfortable. The exterior, though, I left mostly unchanged — solid brick with those cedar sidings that had already stood the test of time. For more than a decade, that was the face of my home.

                                          The aluminum sidings & protective paper

Now, this old friend of mine is getting a little makeover. Over the past few days, a renovation crew has been busy putting up new aluminum sidings. They didn’t strip away the cedar; instead, they wrapped it in a special protective paper first and then carefully covered it with aluminum. In a way, it feels like giving the house a sturdy new coat while still keeping its original heart intact.


Because of the Labour Day holiday, work is paused right now. Today is Sunday, tomorrow is Labour Day, and the crew will be back on Tuesday to finish up. By then, the project should be complete.



Watching this transformation has been both exciting and sentimental. I see the old bungalow gaining strength and freshness, ready for the next chapter, while still holding on to the memories of the past. Houses, like people, carry their years with them. With a little care and attention, they can continue to shelter us — not just with walls and roofs, but with warmth, history, and that welcoming cedar fragrance that never fails to remind me: this is home.


自從 2010 年起,我就一直住在這棟平房裡。當初第一次見到原屋主 John 時,他告訴我這間屋子已經有大約 50 年的歷史了。對有些人來說,這或許聽起來有點老,但當我一踏進屋內,就感覺得到他一直細心照顧著它。房子的結構很穩固,魅力不減,還帶著一種靜靜的尊嚴。

讓我一見傾心的小細節之一,就是那片雪松木外牆。它不只是裝飾在外面——而是好像替房子注入了生命。每次打開大門,都會聞到一股淡淡的雪松香氣。很難形容,那味道既樸實又令人心安,就像大自然在輕聲對我說:「歡迎回家。」一棟房子能這樣迎接你,不是很美好嗎?

搬進來之前,我對室內做了一些翻新,讓居住更舒適。但外觀我基本保持原樣——紅磚外牆搭配經得起歲月考驗的雪松木板。十多年來,那就是我家最熟悉的模樣。


鋁板外牆與保護紙

如今,這位老朋友正迎來一次小小的改造。這幾天,施工隊一直忙著安裝全新的鋁板外牆。他們並沒有拆掉雪松,而是先用一層特製的保護紙包裹起來,再小心地加上鋁板。某種意義上,就像給房子披上了一件堅實的新外套,同時仍保留了它原本的心。

由於勞動節假期,施工暫時停下來。今天是星期天,明天就是勞動節,等到星期二工人們會再回來收尾。到時候,整個工程應該就能完成了。


看著這場改變,我心裡既興奮又感傷。我看到這棟老平房重新獲得力量與新鮮感,準備迎接下一個篇章,同時依舊守護著過去的記憶。房子,就像人一樣,會隨著歲月累積痕跡。而只要稍加照料,它們就能繼續庇護我們——不僅僅是牆壁與屋頂,更是那份溫暖、歷史,以及始終提醒我「這裡就是家」的雪松香氣。


AI Learning for Seniors: Week 11

 Using AI to Write Memoirs or Autobiographies

銀髮族的 AI 學習週記:第十一週
用 AI 協助寫回憶錄或自傳


Introduction 引言

English
This week, I want to share something close to the heart: writing our life stories. Many seniors, myself included, often think about recording memories for our children, grandchildren, or even just for ourselves. The challenge, however, is knowing where to begin and how to organize years of experience into meaningful words. That’s where AI comes in.

中文
這一週,我想分享一個貼近心靈的主題:書寫我們的人生故事。許多銀髮族,包括我自己,常常想要為孩子、孫子,甚至只是為了自己,留下回憶錄。然而挑戰在於:我們該從哪裡開始?又要如何把多年的人生經歷整理成有意義的文字?這正是 AI 能幫上忙的地方。



Why Seniors Should Write Memoirs 為什麼銀髮族應該寫回憶錄

English
Writing memoirs is not about being famous or producing a bestseller. It is about reflection, sharing values, and preserving family history. When we write, we rediscover forgotten details, make sense of past struggles, and leave behind a gift of wisdom.

中文
寫回憶錄並不是為了成名或出版暢銷書,而是為了反思、分享價值觀,以及保存家庭歷史。當我們動筆時,會重新發現被遺忘的細節,理解過去的挑戰,並留下智慧的禮物。



How AI Can Help AI 如何幫助我們

English
AI is not here to replace our voice but to guide and support us. Here are a few ways seniors can use AI:

  1. Brainstorming prompts – AI can suggest questions to trigger memories, like “What was your first job?” or “How did you meet your lifelong friends?”

  2. Organizing chapters – If you share stories in random order, AI can help group them into themes such as childhood, career, family, and travels.

  3. Polishing language – For those of us who may struggle with grammar or structure, AI can refine the writing while keeping our authentic voice.

  4. Bilingual writing – With AI, it’s easier to write in English and Chinese side-by-side, making stories accessible to more readers.

中文
AI 並不是要取代我們的聲音,而是要引導與支持。以下是銀髮族可以使用 AI 的幾種方式:

  1. 提供靈感提問 —— AI 可以給出喚起記憶的問題,例如「你的第一份工作是什麼?」或「你是如何遇見一生的朋友?」

  2. 整理章節結構 —— 即使我們把故事東一段、西一段地說,AI 也能幫助把它們分組,例如童年、事業、家庭、旅遊。

  3. 潤色語言 —— 對於在語法或結構上感到吃力的人,AI 可以幫忙修飾,卻仍保留我們真實的語氣。

  4. 雙語撰寫 —— 借助 AI,更容易把英文與中文並列,讓更多讀者能閱讀。



A Gentle Reminder 一個溫馨提醒

English
Our memories are precious. AI is just a helper, not the author. The heart of the story is always ours. Don’t worry about perfection—what matters most is honesty and authenticity.

中文
我們的回憶是珍貴的。AI 只是助手,而不是作者。故事的核心永遠屬於我們自己。不要擔心是否完美——最重要的是誠懇與真實。



Closing Thoughts 結語

English
Week by week, I realize that AI is more than a tool; it is a companion that helps seniors unlock creativity. Writing a memoir with AI is like having a patient listener who encourages us to share our journey. Perhaps one day, when our children read these stories, they will not only know what we did, but also understand who we are.

中文
一週又一週,我越來越覺得 AI 不僅僅是一個工具,而是一位陪伴我們、幫助我們釋放創意的朋友。用 AI 寫回憶錄,就像有一位耐心的聽眾,鼓勵我們訴說人生旅程。或許有一天,當孩子們讀到這些故事時,他們不僅會知道我們做過什麼,更能理解我們是誰。

AI Learning for Seniors: Week 1 (Parallel Edition)

 

📖 Week 1 (Parallel Edition)

中文English
第 1 週:AI 是什麼?Week 1: What is AI?

對我們這一代人來說,AI(人工智慧)聽起來或許有點陌生。它常常出現在新聞裡,卻讓人覺得遙不可及。其實,AI 早已進入我們的生活。從手機的語音助手、線上的自動翻譯,到 YouTube、Netflix 的推薦系統,都是 AI 在背後默默運作。
For our generation, AI (Artificial Intelligence) may sound unfamiliar. We often hear it in the news, but it feels distant and abstract. In reality, AI has already entered our daily lives. From voice assistants on our phones, to online translation tools, to recommendation systems on YouTube or Netflix—all of these rely on AI quietly working in the background.


我的第一步,就是先接受一個觀念:AI 不是遙不可及的東西,它其實就在我們手中,可以成為日常生活的好幫手。
My first step was to accept one idea: AI is not something unreachable. It is already in our hands and can become a helpful companion in everyday life.

銀髮族的 AI 學習週記

 

AI 幫我整理生活大小事

中文版

這一週,我開始體驗 AI 在「生活整理」上的幫助。隨著年紀漸長,總會有一些瑣碎的事情需要記住:醫生的預約、旅行的計畫、待辦事項、甚至是家裡食材的清單。以前我常常把它們寫在便條紙上,結果一不小心就弄丟了。現在,有了 AI,我發現可以更聰明地管理。


我會請 AI 幫我做簡單的 每日提醒表,例如「今天要帶藥去看醫生」、「明天記得去銀行」。如果我有旅行計畫,AI 甚至能幫我整理行程,建議交通方式、景點先後順序。比起傳統的筆記本,AI 的好處是可以快速修改、更新,還能根據我的需求自動調整。


此外,我還發現 AI 可以幫忙 管理資訊。例如,我把一些常用的電話號碼、醫院地址輸入,AI 就能幫我快速查找,不用再翻找紙張。這讓我覺得生活井然有序,也更安心。


對銀髮族來說,AI 就像一個貼心的生活助理,不僅能幫我們記憶,也能幫我們思考和安排。這不只是科技的方便,而是一種「安心感」。



English Version

This week, I started exploring how AI can help with life organization. As we age, we often deal with many little things to remember: doctor’s appointments, travel plans, to-do lists, even grocery or ingredient notes. In the past, I used sticky notes, but they were easy to lose. Now, with AI, I’ve found a smarter way to manage them.


I ask AI to create a simple daily reminder sheet—like “bring medicine to the doctor today” or “go to the bank tomorrow.” If I have a travel plan, AI can even help organize the itinerary, suggest transportation, and arrange sightseeing order. Compared to traditional notebooks, AI is easier to update and adjust on the go.


Another discovery is how AI helps with information management. For example, I store frequently used phone numbers or hospital addresses, and AI quickly retrieves them for me. No more searching through papers. This makes life feel more organized and gives me peace of mind.


For seniors, AI can be like a thoughtful personal assistant. It doesn’t just remember for us; it also helps us think and plan. That’s more than convenience—it’s reassurance.

輕食午餐的藝術 | The Art of a Light Lunch

 

輕食午餐的藝術 | The Art of a Light Lunch

中文English
我們常常覺得午餐只是一天裡的例行公事,快速解決就好。但其實,一頓輕鬆、清淡的午餐,不僅能讓身體更舒服,也能讓心情更愉快。We often think of lunch as just a routine in the middle of the day, something to finish quickly. But in fact, a light and simple lunch can make the body feel better and lift the spirit.
今天和 Julie 出門購物,途中我們隨意找了一家小店,簡單吃了點輕食。這樣的安排,沒有壓力,沒有繁複的菜式,反而帶來了一種自在的滿足感。Today I went shopping with Julie, and along the way we stopped at a small café for a light meal. No pressure, no complicated dishes — just something easy that gave us a sense of comfort and satisfaction.
隨著年齡增長,我們更加懂得,午餐不需要奢華或過量。清淡的一餐,既能照顧健康,也能讓下午保持活力。As we grow older, we begin to realize that lunch doesn’t need to be heavy or luxurious. A light meal takes care of our health and keeps us energized for the afternoon.
更重要的是,午餐常常是交流的時光。與朋友、家人邊吃邊聊,簡單的食物,也能變成珍貴的回憶。More importantly, lunch is often a time for connection. Sharing food and conversation with friends or family turns a simple meal into a precious memory.

美国2025政策:关税、稳定币与“大美法案”的全球影响 - U.S. Policies in 2025: Tariffs, Stablecoins, and the “Big & Beautiful Act”

 


中文 (Chinese)English
美国2025政策:关税、稳定币与“大美法案”的全球影响U.S. Policies in 2025: Tariffs, Stablecoins, and the “Big & Beautiful Act”
在2025年,美国几项重大政策同时推出:提高关税、引入稳定币监管框架,以及推动所谓的“大美法案”。这些政策看似分散,但在战略层面却相辅相成,意在重塑美国在全球金融和贸易体系中的领导地位。In 2025, the U.S. introduced several major policies simultaneously: raising tariffs, creating a regulatory framework for stablecoins, and promoting the so-called “Big & Beautiful Act.” Although these policies may seem separate, they are strategically interconnected, aiming to reshape U.S. leadership in the global financial and trade system.
一、关税:供应链重组与竞争对手承压1. Tariffs: Supply Chain Reorganization and Pressure on Competitors
关税的实施迫使跨国企业重新考虑供应链布局。对美国而言,这意味着制造业回流、就业机会增加,以及对国内产业的保护。与此同时,依赖美国市场的国家将面临出口压力,被迫让步或寻找替代市场。Tariffs force multinational companies to reconsider their supply chain layouts. For the U.S., this could mean reshoring manufacturing, increasing employment, and protecting domestic industries. At the same time, countries dependent on the U.S. market face export pressure, forcing them to concede or seek alternative markets.
二、稳定币:美元金融霸权的新延伸2. Stablecoins: A New Extension of Dollar Dominance
稳定币监管框架的推出,使得美元能够在加密金融体系中继续保持核心地位。这不仅拓展了美元在数字金融中的影响力,也让美国在新兴金融科技赛道上拥有了制度优势。部分舆论认为,这等于把全球财富进一步绑定在美元体系之下。The regulatory framework for stablecoins allows the U.S. dollar to remain central in the crypto-financial system. This not only expands the dollar’s influence in digital finance but also gives the U.S. an institutional edge in emerging fintech. Some critics argue this further binds global wealth to the U.S. dollar system.
三、“大美法案”:资本与市场的虹吸效应3. The “Big & Beautiful Act”: A Capital and Market Magnet
所谓“大美法案”,本质上是大规模的投资、基建与税收优惠政策。它强化了美国作为资本安全港和投资目的地的地位,吸引全球资金流入美国市场。The so-called “Big & Beautiful Act” essentially represents large-scale investment, infrastructure, and tax incentive policies. It reinforces the U.S. as a safe haven for capital and an attractive investment destination, drawing global funds into U.S. markets.
四、全球影响与争议4. Global Impact and Controversy
综合来看,这些政策相互叠加,形成了一个强有力的组合拳:贸易保护锁住产业链,稳定币延展美元霸权,资本政策吸引资金。美国因此在短期内获得更多财富、就业和金融主导权。然而,在一些国家和社交媒体上,有声音认为这是一种“全球财富转移”,甚至直言美国是在“巧取豪夺”。Taken together, these policies form a powerful combination: trade protection locks in supply chains, stablecoins extend dollar dominance, and capital policies attract funds. In the short term, the U.S. gains more wealth, jobs, and financial leadership. However, in some countries and on social media, voices argue that this amounts to a “global wealth transfer,” with some bluntly describing it as “predatory accumulation” by the U.S.
五、洞察:短期收益 vs. 长期风险5. Insight: Short-Term Gains vs. Long-Term Risks
美国确实通过此类政策获得了战略优势,但长期来看,这可能刺激竞争对手加速去美元化、强化区域经济合作,并寻求独立的金融和技术体系。对全球而言,未来或将进入更加碎片化、对抗性的经济格局。The U.S. is indeed gaining strategic advantages through these policies, but in the long run, this may accelerate competitors’ efforts to de-dollarize, strengthen regional economic cooperation, and seek independent financial and technological systems. Globally, this could lead to a more fragmented and adversarial economic order.
总结Conclusion
美国的关税、稳定币监管和“大美法案”并非孤立政策,而是精心设计的战略组合。它让美国在全球经济竞争中占据先机,但同时也引发了“掠夺财富”的质疑与潜在的反制浪潮。U.S. tariffs, stablecoin regulations, and the “Big & Beautiful Act” are not isolated measures but a carefully designed strategic package. They give the U.S. a head start in global economic competition, but they also fuel accusations of “wealth predation” and may trigger countermeasures in the future.

La Salle Old Boys Picnic at Thomson Memorial Park, Scarborough - 喇沙校友聚會野餐於湯姆森紀念公園




La Salle Old Boys Picnic at Thomson Memorial Park

喇沙校友聚會野餐於湯姆森紀念公園


中文English
昨天是一個充滿回憶與歡笑的日子。我們的 喇沙校友野餐 在士嘉堡的 湯姆森紀念公園 舉行。雖然天氣預報說有雨,但大家的熱情和期待讓陰天一點也不影響心情。Yesterday was one of those days that reminded us how simple gatherings can create lasting memories. Our La Salle Old Boys picnic took place at Thomson Memorial Park in Scarborough, and although the forecast hinted at rain, the spirit of camaraderie outweighed any worries.
我們幾個人擠進了一輛 本田 CRV SUV車,一路上邊聊邊笑,興致勃勃地趕往目的地。天空雖然陰沉、微風陣陣,但車裡的氣氛卻非常熱鬧。對我們而言,這些聚會是難得的機會,讓大家重新聯繫,分享生活點滴,回味年少時的情誼。We packed ourselves into a trusty Honda CRV SUV, chatting and joking as we made our way to the park. The sky was overcast and breezy, but the mood inside the car was cheerful. For many of us, these reunions are rare opportunities to reconnect, share life stories, and relive youthful bonds.
抵達後,空氣中已飄散著美食香氣。中午十二點準時開餐,主辦方準備了豐盛的佳餚:燒烤豬肉、煙燻三文魚、烤雞、炒飯、炒麵、牛丸、魚丸、炒蔬菜和新鮮水果。飲品也十分充足,西瓜、可樂、冰茶、礦泉水應有盡有。By the time we arrived, the aroma of food filled the air. Lunch was served at 12 noon sharp, and the organizers had outdone themselves. The spread included BBQ pork, smoked salmon, roasted chicken, fried rice, fried noodles, beef balls, fish balls, vegetables, and fresh fruits. To wash it down, there was watermelon, Coke, iced tea, Starbucks coffee and bottled water—all in abundance.


原本預計有 300人參加,但可能因為天氣預報影響,最後只來了 約200人。不過人少反而讓每個人有更多空間,也意味著食物更加充裕,沒有人空著肚子離開。The organizers had prepared for 300 participants, but perhaps the weather warnings kept some away. In the end, about 200 showed up. The smaller crowd meant more space and more food for everyone—nobody left hungry.
野餐最難忘的不是食物,而是氣氛。大家三三兩兩地聊著,笑聲不斷。有人談起學生時代的趣事,有人憶起敬重或害怕的老師,還有人分享多年來的人生經歷。雖然天空依然灰暗,但野餐場地卻充滿了陽光般的溫暖。What stood out wasn’t just the food, but the atmosphere. Groups gathered, laughter filled the air, and stories flowed—school days, old pranks, teachers we admired (or feared), and life journeys since then. Despite the gray sky, the picnic ground felt bright with warmth and joy.
大約 下午1點半,大家陸續開始收拾。有些人要長途駕車,有些人則想避開可能下雨的天氣。我們也隨著人群一起離開,回到家已是 下午2點Around 1:30 pm, people gradually started packing up. Some had long drives ahead, others wanted to avoid possible rain. We left then as well, and by the time we got home, it was already 2:00 pm.
回顧這一天,這不僅是一場野餐,更是一段友情的再續。感謝主辦方的辛勤籌劃,也感謝所有參與的人。這是充滿 歡樂、溫情與回憶 的一天。期待下一次的再聚首!



Looking back, the day wasn’t just a picnic—it was a renewal of friendship. Thanks to the organizers for their hard work, and to everyone who came. It was truly a day of fun, warmth, and memories. Until next time, we’ll carry these moments with us.


穩定幣,究竟真穩?還是美元全球霸權的數位跳板?

 



近期香港《C觀點》節目(由施永青主持)及其專欄文章,得到不少讀者共鳴。其中一集就點出了穩定幣背後的某些隱憂:這不僅不是實質「穩定」,更像是美元勢力的新戰略工具。


穩定幣不是穩定:為何不應盲信?

儘管穩定幣掛鈎美元,看似能保持價值穩定、便於跨境支付,並享有區塊鏈技術的優勢,施永青卻提出警告:

  • 穩定幣最大的功能,竟似乎只是為 美元與美國國債創造新的需求,並非真正解決全球貨幣的根本問題。ricacorp.com

  • 另一方面,當美元本身出現問題時,這些穩定幣也無法「脫罪」——它們的命運全綁在法幣背後。ricacorp.com

簡而言之,穩定幣的「穩定」是建立在美元作為法幣的基礎上的,一旦美元動搖,穩定幣也會跟著崩塌。


美債與穩定幣:無形手背後的策略布局

更深入的分析指出,美國政府不只是透過穩定幣應付短期金融需求,更似乎視其為延續美債銷路的救命稻草:

  • 發行穩定幣通常需要以等量的美元或美國短期國債作為儲備。這也意味著,穩定幣的需求漸增,可能進一步 拉動美債需求、支撐美國財政。ricacorp.com+1香港01

  • 美國國會正在推動的《GENIUS法案》(Guidance and Establishing National Innovation for US-Stablecoins),計劃為穩定幣建立統一監管框架,要求發行人使用高流動性資產(如美債、現金、存款等)1:1 全額儲備並接受定期審計。香港01

  • 更重要的是,這項政策具有戰略意義——通過穩定幣數位化擴散,使美元在數位金融領域再奪主導地位,同時吸納全球資金回流美國。這種方式或成為美國應對財政赤字與維穩債市的長期策略。香港01自由時報電子報


全球反應:誰在應對這場「數位美元化」?

美國這一套做法無疑引起他國高度警覺:

  • 歐盟正透過 MiCA 法規強化本地穩定幣監管並鼓勵歐元掛鈎版本,試圖避免被美元穩定幣邊緣化。Yahoo News香港01

  • 香港則積極制定《穩定幣條例》,官方期望能成為人民幣掛鈎穩定幣的發行中心,也藉此保持金融中心地位並對抗美元壟斷。Yahoo News香港01

  • 北京與中國也早有準備,自 2014 年起推動數位人民幣(DCEP)研發,希望掌握數位貨幣主動權。自由時報電子報ricacorp.com

這一切,正是各國爭奪「貨幣主權」與「數位經濟話語權」的縮影。



小結:穩定幣是機會,還是陷阱?

這場看似低調的數字貨幣革命,潛藏的是一場影響全球金融架構的權力博弈。穩定幣本身當然有其應用價值,但若未能理解其背後的戰略目的,就可能成為他國推動自己利益的棋子。

部落格呼籲: 我們不該被「穩定幣」這個名字迷惑。它很可能是美國在數位金融轉型中,鞏固美元霸權與支撐美債市場的關鍵工具——這不只是金融創新,而是另一場全球貨幣的戰爭。


Stablecoins: A Pathway for U.S. Debt or True Stability?

Recently, in his program C Viewpoint, Hong Kong commentator Shih Wing-ching sparked heated discussions by questioning the very foundation of so-called “stablecoins.” His central message was sharp: stablecoins are not truly stable, but rather a new instrument to serve U.S. financial interests—especially the American debt market.

Are Stablecoins Really Stable?

At first glance, stablecoins sound reassuring. Pegged to the U.S. dollar, they promise price stability, faster cross-border payments, and the efficiency of blockchain. But the reality is more complex:

  • Stablecoins mainly exist to boost demand for U.S. dollars and U.S. Treasuries, not to solve the world’s monetary challenges.

  • If the dollar itself wobbles, so do stablecoins. Their “stability” is entirely dependent on the U.S. currency they are pegged to.

In other words, stablecoins borrow their credibility from the dollar. They are not inherently stable, only conditionally stable.

The U.S. Debt Connection: A Hidden Strategy

Looking deeper, it becomes clearer that Washington sees stablecoins as more than a short-term payment tool. They could be a lifeline for U.S. debt financing:

  • Stablecoin issuers are required to hold reserves—cash or highly liquid assets such as short-term U.S. Treasuries. The more stablecoins issued, the more global demand for U.S. debt.

  • The proposed U.S. GENIUS Act (Guidance and Establishing National Innovation for U.S. Stablecoins) would create a unified framework for stablecoin issuers, mandating 1:1 backing with Treasuries, cash, or deposits—under regular audits.

  • This gives the U.S. dual benefits: shoring up its debt market while securing digital dominance of the dollar worldwide.

Seen this way, stablecoins are less about decentralization and more about reinforcing America’s financial empire.

Global Reactions: Countermoves to the “Digital Dollar”

Unsurprisingly, the rest of the world is not standing idle:

  • The European Union is rolling out strict MiCA regulations to govern euro-backed stablecoins, ensuring the U.S. dollar doesn’t monopolize digital payments.

  • Hong Kong is moving toward its own Stablecoin Ordinance, positioning itself as a hub for RMB-backed stablecoins—both to strengthen its role as a financial center and to balance U.S. influence.

  • China has been preparing for years, with the digital yuan (DCEP) project launched back in 2014, aiming to claim leadership in the global digital currency race.

These are not just financial experiments—they are power plays in the battle for monetary sovereignty.

Conclusion: Opportunity or Trap?

Stablecoins, on the surface, promise innovation and convenience. But dig deeper, and they reveal themselves as another front in the struggle for financial dominance.

Yes, they may lower transaction costs and improve efficiency. But we should not be fooled by the label “stable.” Stablecoins are not just a neutral innovation; they could very well be America’s new digital lever to sustain its debt market and cement the dollar’s supremacy in the digital age.

This is not only finance—it’s geopolitics disguised as technology.


🚐 A Week of Laughter, Friendship, and Seafood: Our 2017 Maritime Adventure





 In the summer of 2017, eight of us — old schoolmates and our better halves — piled into a Honda Odyssey van and headed east from Richmond Hill toward Canada’s Maritime Provinces. The crew: Tony and George, Pierre and Mary and David and Julie and, Frank and Cecilia.

It wasn’t just a trip — it was a reunion on wheels, with decades of shared history packed alongside our luggage.



Day 1 – Richmond Hill to Québec City

We hit the road early, the sun barely up. The excitement was palpable — not just for the destination, but for the simple joy of being together.

By late morning, hunger won out and we stopped at a McDonald’s café for a quick lunch — coffee, sandwiches, and a few apple pies for good measure. From there, we pushed on through eastern Ontario into Québec.

That evening, we arrived in Québec City, where cobblestone streets and European charm set the tone for the days ahead. A stroll through Old Québec, with its historic stone walls and street musicians, was the perfect start.



Day 2 – Québec City to Fredericton, New Brunswick

Crossing into New Brunswick felt like entering a quieter, greener Canada. The St. John River Valley was in full summer bloom, and the rolling landscapes kept us glued to the windows.




We reached Fredericton by evening and enjoyed our first taste of Atlantic seafood:

  • Fish chowder loaded with fresh haddock

  • Crispy fish and chips served with malt vinegar
    It was just a preview of the seafood feast to come.






Day 3 – Fredericton to Prince Edward Island

The highlight today was crossing the Confederation Bridge — an engineering marvel stretching 12.9 km over the Northumberland Strait. PEI welcomed us with its famous red-soil farmlands, green rolling hills, and ocean views.



Dinner that night was a seafood lover’s dream:

  • Mussels in buckets, steaming hot, seasoned with garlic butter

  • Sweet, tender lobster served with drawn butter

  • Clam chowder so rich we nearly licked the bowls






Day 4 – Exploring Prince Edward Island

We toured the island’s charming fishing villages, stopped at beaches with soft white sand, and even visited the famous Green Gables site in Cavendish. At lunch, we discovered lobster burgers — juicy lobster meat on a toasted bun with tangy dressing. One bite and we wondered why this wasn’t a global fast-food staple.







Day 5 – PEI to Nova Scotia

A ferry carried us from Wood Islands, PEI to Caribou, Nova Scotia. From there, we drove the coastal route to Halifax.

In the evening, we wandered along the Halifax Waterfront Boardwalk, soaking in the sea air and watching fishing boats and yachts drift by. Dinner was another Maritime classic — beer-battered fish and chips paired with local craft beer.


Day 6 – Halifax to Saint John, New Brunswick





We made a morning stop at Peggy’s Cove, where the iconic lighthouse stands guard over granite rocks and crashing waves. It’s one of those postcard-perfect spots that feels even better in person.


By afternoon, we were in Saint John, exploring the historic market and tasting more chowder (by now, we’d become amateur clam chowder critics).


Day 7 – Saint John to Richmond Hill

The return journey was long but comfortable. The van was a little quieter than on Day 1 — partly from travel fatigue, partly from the warm satisfaction of a trip well spent.



What Made This Trip Unforgettable

Looking back, I can’t recall every kilometre we drove or every menu we ordered from, but I’ll never forget:





  • The laughter that filled the van

  • The seafood feasts that made every meal an event

  • The Maritime hospitality that made us feel at home

  • The simple joy of sharing a journey with friends who’ve known you for a lifetime

It wasn’t just a week-long road trip — it was a celebration of friendship, good food, and the open road.


Special thanks:

FIRST TIME TRAVELLING TO CANADA'S EAST COAST (5-Day Road Trip Around The Maritimes with My Dad)

adulting with angela



合和实业主席·胡应湘:筑基于工程,建构于胸怀 - Sir Gordon Wu, Chairman of Hopewell Holdings: Building with Engineering, Leading with Vision

 




一、历史与早期经历

胡应湘爵士生于1935年香港湾仔,祖籍广东花县,出身于的士业起家的胡氏家族,父亲胡忠是当时颇具影响力的的士大亨Wikipedia+1
他早年赴美留学,于1958年毕业于美国普林斯顿大学土木工程系,获得学士学位RTHKWikipedia,回港后曾在政府工程部门任职并考取建筑师资格,奠定专业基础RTHK


二、创建企业、上市与基业奠基

1963年,他与父亲创立合和建筑有限公司,开启家族事业从车队跨足地产投资之路MaigooWikipedia。1972年,在父亲支持下,成功筹组资金1,500万港元成立合和实业有限公司,并于当年8月在港上市,成为香港“华资地产五虎将”之一WikipediaShue Yan Newsletter


初期高峰与挫折

上市之后,合和实业股价迅速飙升,市值一度高达数十亿港元;然而1973年证券市场震荡与假股票事件猛然打击公司,股价暴跌近97%,经历严峻考验Wikipedia。但凭借稳健运营,公司在1979年才逐步恢复。


代表性项目:合和中心

1980年竣工的合和中心,是他亲自设计的地标建筑——66层筒中筒结构,具防风奇效,曾为香港最高楼之一,是合和实业在地产界的重要里程碑Wikipedia


三、教育、家族与社会影响

胡应湘爵士婚后育有二子二女,其中第三子胡文新现任集团副董事总经理Wikipedia。他不仅是工程师与企业家,亦积极参与教育与社会事务,曾任香港理工大学及城市大学校董会主席,还担任多个社会及体育机构职务WikipediaShue Yan Newsletter


四、跨境使命:为国家建设做贡献

身为首批赴内地投资者之列,胡应湘带头参与建设“广州中国大酒店”、兴建广深高速公路、沙角电厂、虎门大桥等重大基建,通过 BOT 模式助推改革开放Hong Kong Shue Yan UniversityRTHKShue Yan Newsletter
他更是最早提出修建港珠澳大桥的大将,这一宏伟工程最终落成,成就时代标志RTHK

此外,他长期关注香港房屋与土地问题。1979年他响应改革开放精神,积极参与港澳基建;1997年更向时任特首董建华建议“东大屿填海造地”方案,针对土地供给短缺献策良多Hong Kong Shue Yan University


五、核心贡献:在香港和中国之间架桥筑路


六、作为楷模:我们可以学到什么?

1. 专业立身,敢于跨界

凭借工程师背景和建筑师执照,胡应湘不仅是技术专家,更是将专业视野转化为城市规划国家基建的企业家典范。

2. 拥抱改革开放,敢为人先

他敏锐洞察国家政策风向(如1979年改革开放初期),成为首批投资者之一,敢于以BOT创新引入资本与管理模式,是先行者榜样。

3. 坚持与韧性:从困境走出

历经股市崩盘与金融危机,他并无放弃,坚持学习、化危机为转机,是勇气与担当的体现。

4. 社会责任感与长远规划

不仅关注回报,更注重地域情感与社区福祉。如湾仔酒店项目,他提出“五星级设备、四星级价钱”,并强调社区回馈比个人利益更重要香港01

5. 终身学习,支持教育

热心教育事业,强调中西合育、两文三语、品格修养。他本人虽不亲自教导,但以实际支持示范价值Hong Kong Shue Yan UniversityShue Yan Newsletter



总结

胡应湘爵士的人生是科技、商业、社会使命交织的历程。他以工程师的精准视角与企业家的胆识,跨过香港与中国间的边界,无论是城市地标、跨境桥梁还是社会政策,皆留下深刻印记。他是一位真正的实干家,也是一位有情怀的规划者与教育家。

我们从他身上学到:专业与格局齐头并进,责任与创新并重。无论身处何职,都应以信念与行动,贡献于所在地与社会。他的模式,也许能启发你我,成为下一个时代中有所作为的建设者。


Sir Gordon Wu, Chairman of Hopewell Holdings: Building with Engineering, Leading with Vision

1. History and Early Life

Sir Gordon Ying Sheung Wu was born in 1935 in Wan Chai, Hong Kong, with family roots in Huaxian, Guangdong. He came from a family that rose to prominence in the taxi industry—his father, Wu Chung, was a taxi magnate of the time.
In 1958, Wu graduated from Princeton University in the United States with a Bachelor’s degree in Civil Engineering. After returning to Hong Kong, he worked in the government’s engineering department and earned his architect qualification, laying the technical and professional foundation for his future career.


2. Founding the Company, Going Public, and Laying the Foundations

In 1963, Wu co-founded Hopewell Construction with his father, diversifying the family business from taxis into property investment.
In 1972, with his father’s support, he established Hopewell Holdings Limited with HK$15 million in capital. The company went public in August of the same year, becoming one of Hong Kong’s “Five Tigers of Chinese Real Estate.”


Early Peak and Setbacks

Soon after listing, Hopewell’s share price skyrocketed, with its market value reaching billions of Hong Kong dollars. But the 1973 stock market crash and a stock fraud scandal hit hard, wiping nearly 97% off the share price. Despite the setback, Wu steered the company back to stability, and by 1979 it had regained strength.


Landmark Project: Hopewell Centre

Completed in 1980, Hopewell Centre was personally designed by Wu. The 66-floor cylindrical-core structure had wind-resistant qualities and was one of Hong Kong’s tallest buildings at the time—a milestone for both the company and the city’s skyline.

3. Education, Family, and Social Engagement

Wu is married and has two sons and two daughters. His third son, Thomas Wu, now serves as Deputy Managing Director of the group.
Beyond his business achievements, Wu has played active roles in education and civic service, including serving as Chairman of the Councils of both The Hong Kong Polytechnic University and City University of Hong Kong, as well as holding leadership roles in various sports and community organizations.


4. Cross-Border Mission: Contributing to Nation-Building

Wu was among the earliest Hong Kong investors to enter mainland China after the start of the reform and opening-up policy. He spearheaded major infrastructure projects such as the China Hotel in Guangzhou, the Guangzhou–Shenzhen Expressway, the Shajiao Power Station, and the Humen Bridge, often using the Build-Operate-Transfer (BOT) model to introduce capital and management innovation.
He was also one of the first advocates for the Hong Kong–Zhuhai–Macao Bridge—a vision that later became a reality and a symbol of regional integration.

Wu has long been concerned about housing and land supply issues in Hong Kong. In 1997, he proposed the “East Lantau reclamation” project to then-Chief Executive Tung Chee-hwa, offering long-term strategies to address the city’s land shortages.


5. Key Contributions: Bridging Hong Kong and China

  • In Hong Kong – Led the development of multiple residential estates such as Telford Gardens and Kent Court, helping to meet housing needs.

  • In Mainland China – Invested in transportation and energy infrastructure, accelerating modernization in the Greater Bay Area.

  • In Regional Connectivity – Proposed and pushed for major cross-boundary bridge and reclamation projects, strengthening integration between Hong Kong, Macao, and Guangdong.


6. Lessons from a Role Model

1. Professional Expertise with a Broader Vision

With his engineering background and architect’s license, Wu combined technical precision with the strategic foresight of a city planner and national builder.

2. Pioneering Spirit

By recognizing the opportunities of China’s reform and opening-up in 1979, Wu became an early investor who dared to lead, using innovative financing and management models.

3. Resilience in Adversity

Wu endured severe financial crises, yet persevered through learning, adaptation, and steady action—turning challenges into opportunities.

4. Social Responsibility and Long-Term Thinking

Wu’s approach went beyond profit. For example, in his Wan Chai hotel project, he aimed for “five-star facilities at four-star prices,” prioritizing community benefit over short-term gain.

5. Lifelong Learning and Educational Support

He actively supports education, believing in bilingualism, character development, and East-West integration—values he upholds through leadership and funding.



Conclusion

Sir Gordon Wu’s life is an intersection of engineering, entrepreneurship, and public service. With the precision of an engineer and the courage of a pioneer, he bridged Hong Kong and mainland China—not only through skyscrapers and bridges but also through policies, housing solutions, and educational initiatives.

From him, we can learn that professional skill and strategic vision should go hand-in-hand, and innovation should be grounded in social responsibility. No matter our role, we can contribute meaningfully to our communities and our times. Wu’s story is a reminder that with persistence, foresight, and purpose, we can all help build the future.