We are celebrating our 28th wedding anniversary in August. 我們將在八月慶祝我們的二十八週年結婚紀念日. Johnson & Carmen Choi 蔡永強夫婦
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Analysis of Disparities in Choice for Chinese Amid High-Cost Challenges in Hong Kong and San Francisco. By Johnson Choi, MBA on 7-27-26 香港与旧金山高成本困境下的华人群体选择空间差异分析. 欲知詳情請和蔡永強聯絡. 筆者: 蔡永強，商科碩士.
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香港与美国旧金山均面临显著的城市生活成本压力，具体表现为物价、租金及房价持续高企，同时服务行业普遍存在附加费用偏高与服务质量参差的问题（例如旧金山餐饮消费常附加30%的税费及服务费）。然而，两地华人群体在应对此类困境时，其可选项与灵活性存在本质差异。
地理区位与跨境通勤效率的悬殊对比: 以粤港澳大湾区“一小时生活圈”为参照，香港居民可依托高效跨境基建实现快速通勤。例如，自香港各区域至深圳等大湾区口岸，24小时巴士服务频密，单程票价仅约0.3美元，且通关时间最短仅需五分钟。反观旧金山湾区，日常跨城通勤耗时显著，午间外出用餐的往返车程普遍长达三小时，此类时间成本严重制约了居民的生活半径与消费选择。
跨境消费与退休迁移的理性经济选择: 当前，大量美加退休人士基于成本收益考量，主动选择移居大湾区以提升可支配收入与实际生活品质。据调研，美国及加拿大综合物价水平约为中国的4至7倍，而在香港可便捷获取的商品与服务，其品类丰富度、价格竞争力及新鲜度均优于北美市场。多位移居者反馈，香港市场能够提供北美难以购得的特定商品，且价格更为合理、供应链更新鲜。
结构性差异的制度与地理根源: 上述现象并非偶然，而是源于两地不同的地理区位、跨境政策及区域经济整合程度。香港依托“一国两制”框架与内地深度互联，享有低成本、高时效的跨境生活资源；而旧金山作为美国西海岸门户，其周边区域协同效应有限，跨境消费选择受制于边境政策与物理距离，致使普通居民（非高净值群体）缺乏替代性方案。
综上，两地虽表面面临相似的通胀与服务市场挑战，但香港华人群体的实际应对策略与生活缓冲空间，显著优于其美国对应群体，此差异归根于区域经济整合度及跨境基础设施的可达性。
Analysis of Disparities in Choice for Chinese Amid High-Cost Challenges in Hong Kong and San Francisco
Hong Kong and San Francisco, USA, both face significant urban cost-of-living pressures, manifested in persistently high prices for goods, rents, and real estate, alongside widespread issues of excessive surcharges and uneven service quality in the hospitality sector (e.g., dining in San Francisco often incurs an additional 30% in taxes and service fees). However, when addressing these challenges, the options and flexibility available to Chinese communities in the two locations differ fundamentally.
Geographic Location and Cross-Border Commuting Efficiency: A Striking Contrast
Taking the Guangdong–Hong Kong–Macao Greater Bay Area’s “one-hour living circle” as a benchmark, Hong Kong residents benefit from efficient cross-border infrastructure enabling rapid commuting. For instance, from various districts in Hong Kong to checkpoints into the Greater Bay Area (such as Shenzhen), 24-hour bus services are frequent, with a one-way fare of approximately USD 0.30 and customs clearance taking as little as five minutes. In contrast, in the San Francisco Bay Area, daily intercity commuting is notably time‑consuming; a round trip for a midday meal outside the office typically takes three hours, severely constraining residents’ living radius and consumption choices.
Rational Economic Choices in Cross-Border Consumption and Retirement Migration
Currently, a significant number of retirees from the US and Canada are actively choosing to relocate to the Greater Bay Area, driven by cost‑benefit considerations to enhance disposable income and overall quality of life. Surveys indicate that the general price level in the US and Canada is roughly four to seven times that of China, while goods and services readily available in Hong Kong offer greater variety, more competitive pricing, and superior freshness compared to the North American market. Multiple expatriate residents report that Hong Kong’s market provides specific products difficult to obtain in North America, at more reasonable prices and with fresher supply chains.
Institutional and Geographic Roots of Structural Differences
These phenomena are not accidental but stem from divergent geographic locations, cross‑border policies, and degrees of regional economic integration. Leveraging the “One Country, Two Systems” framework, Hong Kong maintains deep connectivity with the mainland, enjoying low‑cost, time‑efficient cross‑border living resources. San Francisco, as a gateway on the US West Coast, experiences limited regional synergies, and cross‑border consumption options are constrained by border policies and physical distance, leaving ordinary residents (excluding high‑net‑worth individuals) with few viable alternatives.
Conclusion
In summary, while both cities superficially grapple with similar inflationary pressures and service‑market challenges, the actual coping strategies and living buffers available to the Chinese community in Hong Kong are markedly superior to those of their counterparts in the US. This disparity ultimately stems from differences in regional economic integration and the accessibility of cross‑border infrastructure.
Taiwan US-China expert Ku Cheng-liang Video highlights by Johnson Choi: A Critical Test for China and the US – Jensen Huang Supports Open Source AI model, Elon Musk and 20 US AI Companies Immediately Join Forces to Back China’s Open-Source AI Model. This Will Put the Three Top US AI Companies and Their Stock Valuations Under Stress Test, as China’s Open-Source AI Models Cost Only One-Tenth of What They Currently Charging. 台灣中美尊家郭正亮視頻亮點是蔡永強提供: 中美關鍵考驗 – 黃仁勳挺開源，伊隆·馬斯克與20家美國AI公司立即聯手，支持中國開源式的AI開放模型。這將使三大頂尖美國AI公司及其股票估值面臨壓力測試，因為中國式的AI開源模型收費僅為目前它們收費的十分之一.
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Complete video: https://www.youtube.com/live/gr86F0U537A?is=dCfawbNXx3WyZY_u
Non-stop July Birthday Party continues on 7-25-26
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Someone once asked this question: Would you give up an entire forest for a single tree? By Johnson Choi, MBA 曾經有人問過這樣一個問題：你是否會為了一棵樹，而放棄整片森林? 作者: 蔡永強, 商科碩士. 7-26-2026
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若時光倒流三十年，若你當時已洞察世界大勢，你會發現 – 那棵參天大樹(美國)高逾百尺，而周圍森林中的樹木(亞洲，非洲，中東) 高不過六尺，枝葉枯朽，落葉腐黃。更關鍵的是，那棵大樹的根系早已悄然延伸至每一株小樹之下，吸盡了水分與養分。整片森林裏的每一棵樹，僅能維持苟延殘喘的生命。
那時的它，以為世界是它的專屬，以為自己可以為所欲為。然而，誰能料到，在森林的遠方，有一棵名為「中國」的松樹，默默無聞，埋頭扎根，吃苦耐勞，於風雨中頑強生存。可惜，那棵百尺大樹掉以輕心，忙於四處點燃戰火，從未察覺那棵遠方松樹正在無聲無息間拔地而起。
待到它猛然驚覺，那棵三十年前僅六尺高的小松樹，今日已逾八十尺，巍然挺立，枝幹堅韌，能為周圍的樹木提供更豐沛的養分與更堅實的支撐，更能抵擋外來的風暴與震盪。那棵昔日霸主多次試圖摧毀它，用盡手段，全力打壓。然而，時不我予，每一次出手，換來的都是殺敵八千、自損一萬的慘痛代價。
眼見無力回天，那棵百尺高樹終於決定鳴金收兵，退回己域。而其背後的掌權者，不過是那10%的所謂精英階層。既然無法收割遠方的松樹，他們便調轉矛頭，轉而收割自己的人民 – 那90%的美國人。
於是，我們時常聽見在美國高聲唱衰中國的「恨國黨」發出疑問：既然中國那麼好，為何中國的富人還要來美國？答案其實極為簡單 – 因為他們有足夠的財力，可以擠進美國前10%的白人精英集團，聯手收割那90%的美國人，其中也包括了90%的在美華人。
If we could turn back time thirty years, if you had already grasped the global trends of that era, you would have seen — that towering tree (the United States) stood over a hundred feet tall, while the trees in the surrounding forest (Asia, Africa, the Middle East) were no more than six feet high, with withered branches and rotting yellow leaves. More critically, the roots of that great tree had long since silently extended beneath every smaller tree, draining away all the water and nutrients. Every tree in the entire forest could barely sustain a struggling existence.
Back then, it believed the world belonged to it alone, and that it could do whatever it pleased. Yet who could have foreseen that in the distant reaches of the forest, a pine tree named “China” was quietly toiling, deeply rooted, enduring hardship, and surviving tenaciously through wind and rain. Unfortunately, that hundred‑foot giant was careless, busy setting fires of war all around, and never noticed that distant pine rising silently from the ground.
By the time it suddenly awoke to the truth, that small pine — merely six feet tall thirty years ago — had already surpassed eighty feet, standing tall and firm, with sturdy branches capable of providing richer nourishment and stronger support to the surrounding trees, and better able to withstand external storms and shocks. The former hegemon tried repeatedly to destroy it, using every means at its disposal and pulling out all the stops. But time was no longer on its side; each move it made came at the bitter cost of wounding the enemy eight thousand while losing ten thousand of its own.
Seeing that the situation was beyond redemption, the hundred‑foot giant finally decided to sound the retreat and withdraw to its own domain. And the powers behind it were merely that 10% so‑called elite class. Since they could no longer harvest the distant pine, they turned their spears around and began harvesting their own people — the other 90% of Americans.
Thus, we often hear the “China‑hating contingent” in the United States loudly proclaiming China’s decline, asking: If China is so great, why do its wealthy still come to America? The answer is actually quite simple — because they have enough financial means to squeeze into the top 10% of the white elite in the U.S., joining forces to harvest that 90% of Americans, which also includes 90% of Chinese Americans.
Over the past forty years, Johnson Choi interactions with hundreds of clients have proven that the Choi family precepts are indeed the fundamental way to prevent the decline of the family. 過去四十多年，蔡永強與數百位客戶互動的經驗證明，蔡家祖訓確實是防止家族衰敗的根本之道.
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這套祖訓源自兩位香港先輩：祖父生於1875年，父親生於1900年。蔡家子女，無論男女，自小學一年級起便需熟記並恪守以下五條：
父親育有十名子女，至今無一人讓蔡家蒙羞。
These precepts originate from two Hong Kong forebears: my grandfather born in 1875 and my father born in 1900. Every Choi child, regardless of gender, has been required to memorize and abide by the following five rules from the first grade of elementary school:
Our father raised ten children, and not one of them has ever brought shame to the Choi family.
Video: The U.S. is only now regretting it: three presidents tried to contain China, but ended up “assisting” China’s revival instead. Heaven is helping China complete the great transformation of its century-long revival! 視頻有中英文字幕：美國現在才後悔：三位總統本想壓住中國，結果全在“助攻”中國復興. 天助中華完成百年復興的大變局！
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Looking back at China’s rise, what stings the U.S. the most isn’t that China has become stronger — it’s that it suddenly realizes: over the past few decades, it tried several times to hold China back, yet every time, by a twist of fate, it ended up paving the way for China rise instead.
From Clinton pushing for China’s entry into the WTO, to Bush getting bogged down in the Middle East counterterrorism quagmire, to Obama’s era of shifting toward a virtual economy and underestimating the long-term value of the manufacturing base — the U.S. thought it was making strategic moves, little knowing that China, with its diligence, patience, and formidable industrial organizational capacity, turned every single U.S. strategic miscalculation into a golden window to climb higher!
Today, we take you through an in-depth review: how did the “strategic arrogance” of three U.S. presidents systematically misjudge China’s capacity for learning and industrial resilience? And how did China transform itself from low-end contract manufacturing into the world’s most complete industrial system, step by step?
美國現在回頭看中國崛起，最紮心的地方不是中國變強了，而是它突然發現：過去幾十年裏，自己好幾次想壓住中國，結果每一次都在陰差陽錯地給中國“遞臺階”。
從克林頓推動中國加入WTO、小布希陷進中東反恐泥潭，到奧巴馬時期脫實向虛、低估製造業底盤的長期價值——美國以為自己在佈局，殊不知中國憑著勤奮、耐心與強大的工業組織能力，把美國每一次戰略誤判都變成了自己向上攀登的黃金窗口！
今天帶你深度複盤：美國三任總統的“戰略傲慢”，究竟是如何一步步誤判了中國的學習能力與工業韌性？中國又是如何從低端代工一步步煉成全球最完整工業體系的？
40 years of observations by Johnson Choi on 7-25-26 四十年實務觀察，從我的客人有數百案例顯示：離婚率約60%，再離婚率過半；有孩子者，70%下一代發展停滯，多數需父母終身扶持。而這些家庭若再添新生，只會惡化上一代的晚年景況。因此，當今許多思慮成熟的女性選擇不生育 – 這既是對自身條件的審視，也是對下一代負責的智慧.
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Co-location arrangements by Ronny TONG Ka Wah 一地兩檢. 作者: 湯家驊
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Last week, the Hong Kong SAR government pushed through expedited legislation for the Huanggang Port, establishing the necessary legal framework for co-location arrangements. Co-location is a special arrangement that goes beyond the traditional border control model. This type of arrangement is not unique to the SAR; it also exists on the US‑Canada border, and the model is much the same. 上星期香港特區政府就皇崗口岸進行極速立法，訂下了一地兩檢必要的法律框架。一地兩檢是超越傳統邊界出入管制模式的特別安排。這種安排並非特區獨有，在美加邊境也有，模式亦差不多.
儘管如此，第一次在西九設立一地兩檢安排時，特區便有政黨極力反對，甚至有政治人物公開「擔憂」港人會否在不知情或不願意情况下誤入或被強行帶入內地司法管轄區；這類「擔憂」當然是無稽之談，但卻顯示了部分港人對國家司法體制的極度不信任及猜疑。
國家在「世界正義工程」之法治排行榜中位列92，相比特區位列24 (美國位列27)有頗大距離。但如果我們細看這排行榜之分類指標，可見國家在刑事、司法公義榜中分別位列72和70，排名比匈牙利、泰國和印度更高；在社會秩序和安全榜中，香港排行第10，比加拿大（16）、德國（24）、英國（30）、美國（35）為高，而國家亦只是排行40，顯示公共秩序和安全不下於美國和英國。
你會問，若是如此那為什麼國家在整體法治榜中排行這麼低？答案是，進行這項調查的是美國機構，由美國律師從美國角度看世界，而中國排行較低最重要因素是被民主制度和監察政府制度所拉低。究竟這些元素與法治有什麼直接關係，影響有多大，大家見仁見智。無論如何，這些數字顯示今天中國的法治並非如西方國家所抹黑的那麼令人不安或不可接受。一地兩檢運作已超過10 年，從未出現任何與法治有關的事故。當年極力反對一地兩檢的政治人物今天不知會怎麼想。
Video: Love the 1986 movie “Wall Street” same year I got my stock broker license! Take a look at the 3 minutes highlights! Security Exchange Commission (SEC) used to told us insider trading guaranteed jail time until Donald Trump change the rules! If SEC dares to prosecute Trump and his friends, he will put the SEC staffs in jails. 視頻有中英文字幕: 我喜歡1986年的電影《華爾街》，那一年正好是我拿到股票經紀人執照!看看這3分鐘的精華片段! 美國證券交易委員會（SEC）曾經告訴我們，利用內線消息交易會讓你坐牢，直到川普改變了這項規則！如果SEC敢起訴他和他朋友，他就會把所有的SEC員工都關進監獄. 這個優惠並不包括你!
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