長者安居樂項目豐頤居

[Below is extracted from HKNet]

房協位於紅磡利工街的最新長者安居樂項目豐頤居。

同樣愈長命愈着數

「這類長者屋只租不賣，但就要一次過先付一筆租住權費，其實最大好處是甚麼？為甚麼不可以每月支付當交租？萬一我入住後不久就過身，豈不是很蝕底？」Vincy問我。

「明白妳的想法，其實，這種一筆過支付租住權費後就可以一世住在長者屋的安排，就等於政府年金。我自己形容，它就是『物業版』的政府年金，妳有沒有想過？」

「物業版的年金？我倒沒有想過呢！」

「那我告訴妳吧！買年金是擔心自己太長命，臨老沒有錢使，因此，只要妳支付了一筆過的現金，保險公司就會每月支付年金作為妳的生活費，直到妳百年歸老為止，總之愈長命就愈着數，妳明白這個安排嗎？」

「嗯，妳一講我就記起了。」

「那就好了，今次的長者屋，妳是一筆過支付租住權費予房協（等於年金的保險公司），就獲得豐頤居的租住權，等於日後房協替妳每月交租，直到妳身故為止，同樣是愈長命愈着數，不用擔心加租和迫遷！」

「這個明白，但如果我短命又如何？」

「其實，無論政府年金或長者屋，都有照顧到這個問題的。年金方面，投保人可以獲得保證，至少可以支取已付保費的105%。假設妳支付了100萬保費，但3年後就離世，妳家人可以選擇繼續支取年金，直至保證的105萬為止，也可以選擇一次過支取餘額，但只會以100萬本金減去妳已收取的年金，而不是105萬了。至於長者屋方面，如果租戶短命，住了幾年就過世，也可以獲退回部分租住權費，例如住了5年便過世，可以退回約一半租住權費；又例如住了10年過世，可以退回約3成租住權費（見附表二）。」

「啊，原來如此！這也是比較合理的安排。但如果我不是離世，而是自己不想再住，也可以按這個比例退還嗎？」

「可以呀！」

需付綜合服務月費

「那好，但我還有其他費用要付嗎？」

「答妳這個問題之前，我要提一下，租住權費是按年歲遞減的，即是愈老才入住，費用就愈平（見附表一），這個妳理解嗎？」

「嗯，理解，因為愈老入住，住的時間可能愈短！」

「正確，至於其他主要費用，必需要提的當然是綜合服務月費，大概就是私人樓的管理費，妳預2,000多至3,000多元一個月吧（只可以作為參考）！」

「這個跟年紀沒有關係吧？」

「是的，這個主要看單位面積和人數，因為單人入住會便宜過雙人的。」

「咦，原來可以兩個人住？如果其中一位過世，又怎樣安排？更重要的是，長者屋跟我租樓又怎樣比較呢？」

房協在紅磡推出了一個全新的長者屋項目豐頤居，這是一個只租不賣的物業項目，而且主要為退休人士設計，只要一筆過支付了租住權費，就可以終身入住，不用擔心加租和迫遷。

這種安排就等於「物業版」的政府年金，絕對可以保障「長命」的風險。長者屋可以一人或兩人入住，但原則上需要是兩夫婦。

「是的，除了單人申請之外，當然可以連同配偶申請，甚至不是配偶關係的二人組合（可再加一位外傭作為照顧者），但必須證明配偶已經過世，或因病入住了院舍等等。至於妳問到，萬一其中一位過世，安排是怎樣，我可以告訴妳，由於是二人申請，所以，萬一其中一位過世，另一位仍然可以繼續居住，直到他或她也百年歸老，才會騰空單位。」

背景年紀相若 鄰舍關係較佳

「明白了，至於這個安排與租樓又怎樣比較呢？」

「如果真的想比較，可以按照豐頤居的租住權費退還安排來計算一下，如果租5年就退租，可以退回53%的金額，以豐頤居的平均租住權費約200萬元計，即共花了92萬元。紅磡地區的平均月租大約1.5萬元，5年就是90萬元，『租住』豐頤居差不多。」

「其實，租住這類長者屋，會有一些無形好處，例如他們所宣傳的家居支援和其他安老護理服務等，以及鄰舍關係，因為居住在那裏的，大多都是背景相同和年紀相若的人士，那份感情上的得益，是很難量化的！」

獨立長者屋項目 或不會再推

「這類長者屋是採取中央輪候名冊安排的，即是只有一條隊，例如今次新推出了豐頤居，妳去申請，就會排在之前正在輪候的人後面，先讓前面的人去揀樓。」

「咦，那麼，本來有多少人排隊？」

「據我所知，未推出豐頤居之前，大約已有500人排隊，但項目推出後，申請人數已經增加了一倍！」

「是的，其實，我認為，隨着香港出現退休潮，這類長者屋的需求應該會愈來愈大，但奈何土地資源有限，據我所知，未來可能再沒有獨立的長者屋項目，取而代之的，只會是混合模式，即是在同一項目中，同時存在租住公屋、資助出售房屋和這類長者屋。」

「嗯，即是說，如果我真的想退休後入住這些長者屋，就要提早申請？」

How to be a good tutor in university (teach Network Programming)

 Being a good tutor in university requires a combination of skills and qualities. Here are some tips on how to be a good tutor:

1. Be knowledgeable: As a tutor, you are expected to have a good understanding of the subject matter. Review the material beforehand and be prepared to answer questions.

2. Be patient: Not all students learn at the same pace. Be patient and take the time to explain concepts in different ways if necessary.

3. Be organized: Plan your sessions in advance and have a clear outline of what you want to cover. This will help you stay on track and make the most of your time with the student.

4. Be approachable: Create a comfortable and welcoming atmosphere for your student. Encourage them to ask questions and offer feedback.

5. Be adaptable: Every student has their own learning style. Be adaptable and tailor your approach to suit the student's needs.

6. Be a good communicator: Clearly explain concepts, use examples and encourage questions. Listen carefully to the student and provide constructive feedback.

7. Be reliable: Show up on time and be consistent in your approach. Keep your promises and follow through on commitments.

8. Be respectful: Treat your student with respect and kindness. Remember that everyone has their own strengths and weaknesses.

9. Be open to feedback: Ask for feedback from your student and use it to improve your approach and teaching style.

10. Be enthusiastic: Show your passion for the subject and inspire your student to learn. A positive and enthusiastic approach can make all the difference.

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To be a good tutor for teaching network programming, you need to have a strong understanding of the underlying concepts and technologies that go into creating networked applications. Here are some tips to help you be an effective tutor:

1. Understand the basics: Make sure you have a good understanding of the fundamentals of network programming. This includes topics such as sockets, protocols, and networking architectures.

2. Be familiar with programming languages: Network programming can be done in many different programming languages. Make sure you are familiar with the language(s) that your student is using and can provide guidance on best practices and common pitfalls.

3. Use real-world examples: Network programming can be abstract and difficult to understand. Use real-world examples to illustrate concepts and show how they apply in practice.

4. Provide hands-on experience: Network programming is best learned through practice. Provide opportunities for your student to write code and experiment with different approaches.

5. Encourage experimentation: Network programming can be complex, and there are often multiple ways to achieve the same result. Encourage your student to experiment and find the approach that works best for them.

6. Stay up to date: Network programming is a rapidly evolving field, with new technologies and techniques emerging all the time. Stay up to date with the latest developments and be ready to adapt your teaching approach as needed.

7. Be patient: Network programming can be challenging, and your student may struggle at times. Be patient and provide support and guidance as needed.

8. Be a good communicator: Network programming can involve complex technical concepts. Be a good communicator and use clear, concise language to explain these concepts to your student.

9. Provide feedback: Provide constructive feedback on your student's code and approach. Help them identify areas for improvement and provide guidance on how to address them.

10. Encourage collaboration: Network programming often involves working with others. Encourage your student to collaborate with their peers and provide opportunities for group work and discussion.

Retirement plan (chat with OpenGPT)

It's normal to feel uncertain about retirement and what you will do after you retire. However, retirement can also be a great opportunity to pursue new interests and hobbies, travel, spend more time with family and friends, or even start a new career or business venture.

Here are a few things you can do to help you prepare for retirement and make the most of your time after you retire:

1. Make a plan: Start by thinking about what you want to do in retirement. Make a list of your goals and dreams, and then create a plan to achieve them.

2. Stay active: Staying active and engaged in activities like volunteering, socializing, and pursuing hobbies can help you stay mentally and physically healthy after you retire.

3. Learn new skills: Retirement can be a great time to learn new skills or pursue new interests. Consider taking classes or workshops in areas that interest you.

4. Travel: Traveling is a great way to explore new places and experiences, and can be a rewarding way to spend your retirement years.

Remember that retirement is not the end of your life, but rather a new chapter. With a little planning and preparation, you can make the most of this exciting new phase of your life.

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Financial concerns are a common worry for many people when it comes to retirement. Here are some steps you can take to help ensure you have enough money to cover your expenses in retirement:

1. Save as much as you can: If you're still working, try to save as much as possible for retirement. Consider maximizing your contributions to your retirement accounts, such as 401(k) or IRA, and take advantage of employer matching programs.

2. Reduce your expenses: Look for ways to reduce your monthly expenses, such as downsizing your home, reducing your transportation costs, and cutting back on non-essential spending.

3. Consider a part-time job: Depending on your health and interests, you may want to consider working part-time in retirement to supplement your income.

4. Create a budget: Create a retirement budget to help you understand your expenses and income. This will help you determine if you need to make any adjustments to your savings or spending.

5. Consult with a financial advisor: Consider meeting with a financial advisor to help you plan for retirement and make sure you have enough income to cover your expenses.

Remember, it's never too late to start planning for retirement. Even small changes can make a big difference in the long run.

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It's important to have an open and honest conversation with her about your retirement plans and concerns. Here are some tips to help you start the conversation:

1. Listen to her concerns: Ask your wife about her concerns and listen to what she has to say. Try to understand her perspective and acknowledge her feelings.

2. Share your own concerns: Share your own concerns about retirement, including any financial worries or fears about what you will do with your time after retirement.

3. Discuss your goals: Discuss your retirement goals with your wife, including what you want to do, where you want to live, and how you want to spend your time.

4. Find common ground: Look for areas where you both agree and try to find a compromise that works for both of you.

5. Consider professional help: If you're having trouble reaching an agreement, consider seeking the help of a professional counselor or financial advisor who can help you work through your concerns.

Remember that retirement is a major life change that can affect both you and your spouse, so it's important to work together to find a solution that works for both of you.

Retirement is a major life change that can affect both you and your spouse, so it's important to work together to find a solution that works for both of you.

百歲老人長壽秘訣：「我到99歲才退休」

找到目標和同伴

102歲的Gladys McGarey是美國整體醫學協會創始人，她總是有明確的目標和為之而活的東西。她說：「如果你不去尋找，你就不會發現它。」在她的書《美好生活：一位102歲醫生在每個年齡段保持健康和幸福的6個秘訣》中，「目的」是一個關鍵主題。她的熱情在於「生存醫學」（living medicine），它專注於「以老師的角度看待疾病和痛苦」。她說，通過了解疾病試圖告訴我們什麼，我們能找到對付它們的最佳方法。當你在尋找自己的「為什麼」時，你會找到自己的社群。McGarey告訴CNBC Make It：「有些人在你的生活中來去匆匆，但你會選擇真正幫助支持你的人。」哈佛大學一項長達85年的研究發現，長壽和幸福的關鍵是「社交健康」，這意味著客觀審視我們投入人際關係的方式、改善不平衡，讓自己與他人成為更好的朋友和夥伴。McGarey說，在人生逆境時，不要被困住；如果你真的陷入困境，就去尋找光明。它總是在那裏，你只需要繼續尋找。

 

繼續工作 保持頭腦專注

Margaret Stretton現年100歲，她的眾多興趣使她擔任了速記打字員、簿記員和籌款人等多個角色，它們激勵她繼續以某種身份工作。「我成為了一名聖器管理員，直到99歲才退休，」Stretton向《衛報》表示。即使在100歲時，她的工作也沒有停止；在過去兩年中，她一直在為社區慈善機構製作蜜餞和果醬。當人們年老時，繼續從事某些工作對大腦有益。一項研究表明，每週工作不多於25小時，能改善40歲及以上人群的認知功能。

 

與親友在一起

98歲的Larry Janisse在一切事物中尋找幽默，以此來保持年輕，他覺得生活中必須要有歡笑。他經常和好友一起打高爾夫球，出去結識新朋友。他說，是家人和社群讓他堅持生活下去。作爲一位有6個兒子和5個女兒的父親，他發現被親人包圍是最大的快樂，尤其是在一年一度的家庭團聚期間。當遇到壓力、不知該如何做時，他會打電話給孩子們、和他們交談，聽聽他們的想法。

 

以積極眼光看待生活

據《衛報》報道，現年103歲的Roslyn Menaker強調，擁有積極的人生觀對長壽很重要，要保持善良、慷慨，並且盡量不要過多操心。她在每天散步和時尚的衣櫥中找到了快樂。她説：「我喜歡看漂亮衣服和外出就餐。我有一個很棒的護工。她給我修指甲和修腳，還給我染頭髮。」

 

盡可能多走走

步行是Malcom Idelson的首要長壽秘訣，也是他多年來一直堅持的一項鍛煉。

94歲的他每天堅持步行，不找任何藉口中斷。情緒低落時，他選擇出門步行，然後會感覺好多了。研究表明，每天以輕快的速度走1萬步、持續30分鐘，可助延長壽命、降低患重病和死亡的風險。Idelson退休前是一位住院醫師和研究員，在醫院工作時從來不坐電梯。「我是一個步行者，走上台階。跑上跑下。每個人都知道。它就在我的血液中。」在紐約，他也不常坐的士，而是盡可能步行，會從第73街走到第84街。他説：「我快95歲了，現在我過得很好。」

 

重視身心健康

103歲的Ruth Sweedler對CNBC Make It說：「讓你的身體和頭腦保持良好狀態，那你就成功了。」她和妹妹Shirley Hodes通過堅持5種做法，都活過了100歲。她們經常散步，與人建立聯繫，並堅持均衡的低脂肪飲食。保持積極心態同樣重要：「我對一切都感興趣，且活在當下，」Sweedler説，「我不回顧過去；我向前看。」