Business and Money Tips

Posts

The Real Measure of AI Returns

AI Saves You 10 Hours. So What? The Real Measure of AI Returns How should we measure the returns from AI? Not merely by the hours saved, manpower reduced, or costs eliminated. But by what new value we create with the time, talent and resources AI releases. Today, companies proudly announce that AI has improved productivity by 30%, reduced manpower requirements by 20%, or saved thousands of working hours. Impressive numbers! But let me ask a simple question: What happened to the time saved? Suppose AI helps 100 employees save two hours every day. That is 200 hours daily, or approximately 50,000 hours annually. Sounds fantastic! But what if those employees simply produce more reports, attend more meetings, or spend more time checking AI-generated work? Where is the real value? Worse, what if the company retrenches 20 employees because AI can now do their jobs? The company may improve its profits. But if those employees remain unemployed, society loses their purchasing power, p...

How a US5 Trillion company like Nvidia can Fly without its Founder cum CEO?

Nvidia Is Worth US$5 Trillion. But Can It Fly Without Jensen Huang? Why great corporate governance is the safety system that allows companies to withstand shocks—and accelerate with confidence. By Andy Ng, CA, MBA Accredited Director (SID) | Qualified Listed Entity Director (SID) Financial Governance & Strategy Advisor Imagine flying in the world's most advanced aircraft. It has powerful engines, sophisticated technology and an extraordinary pilot. But suddenly, the pilot becomes unavailable. Who takes over? What if there is no obvious co-pilot? Would you still feel safe flying? This is the corporate governance question facing Nvidia, one of the world's most valuable companies. When a Great CEO Becomes a Great Risk Jensen Huang is undoubtedly one of the most remarkable CEOs of our time. He co-founded Nvidia in 1993 and transformed it from a graphics-chip company into a global leader in AI computing. But Nvidia now faces an uncomfortable question. What happens if Je...

Too Slow, Too Weak, Rejected by Microsoft. Yet Bluetooth Conquered the World!

Too Slow, Too Weak, Rejected by Microsoft. Yet Bluetooth Conquered the World! When the powerful overlook you, don't give up. Find the people who need you. Imagine developing a technology that could change the world, only to be told: "Too slow!" "Too limited!" "We already have something better!" And then, the world's most powerful software company launches its flagship product without supporting your technology. Would you give up? This is the remarkable story of Bluetooth. And it carries a powerful lesson for anyone who has ever been underestimated, rejected or ignored. 1. The Technology Nobody Expected to Conquer the World In 1994, engineers at Ericsson in Sweden began developing a technology that allowed electronic devices to communicate without cables. They called it Bluetooth, inspired by King Harald Bluetooth, who united parts of Scandinavia. But Bluetooth had a problem. It was slow. Very slow compared with Wi-Fi. Early Bluetooth offered a ...

人类真正的机会来了！

AI已经不只抢工作，还开始影响人心！26年培训经验告诉我：人类真正的机会来了！当AI什么都能教，为什么企业还需要培训师？如果AI能教知识、做决策、影响思想，甚至说服人类，我们这些培训师，还有什么存在价值？这是我最近不断问自己的问题。从2001年开始，我从事培训工作，至今26年。我喜欢站在讲台上，与学员分享知识、讲故事、唱歌、欢笑。但今天，AI几秒钟就能制作课件、解释理论、生成视频，甚至提供建议。更值得关注的是， AI正从执行任务的智能代理（Agent），走向影响人类思想与决策的力量（Influence）。我无法阻止这个趋势。但我可以选择：让AI淘汰我，还是让AI成就一个更有价值的我？一、别再跟AI比赛谁懂得更多！过去，培训师靠知识和经验吃饭。今天，知识越来越容易取得。如果培训只是讲解理论、播放PPT，企业为什么还要花钱请培训师？因此，我越来越重视一个问题：学员上完课，明天会做出什么改变？懂得领导理论，不代表敢于面对难缠的员工。懂得销售技巧，不代表真正关心客户。懂得管理知识，不代表有勇气挑战错误决定。 AI让知识越来越便宜，却让人的判断力、勇气与信任越来越珍贵。二、26年来，我坚持五件事我的培训方式其实很简单：第一，开心最重要。每次开课，我都告诉学员：“今天最重要的，就是玩得开心！” 第二，少讲理论，多重应用。学十个道理，不如真正做到一个。第三，因人而教。根据学员的工作、行业和实际困难调整内容。第四，歌曲、幽默、故事少不了。一首歌的感动，有时胜过十张PPT。第五，让学员反思。不只是寻找答案，更要发现自己的盲点，勇于改变。 AI可以协助这些工作。但我希望创造的，是一个让人愿意敞开心扉、互相启发、一起成长的学习环境。我不希望学员只记得我教过什么，更希望他们记得，因为这堂课，自己改变了什么。三、AI越会影响人，爱的智慧越重要！想象一下： AI建议销售员向客户推荐利润最高的产品，但那个产品并不适合客户。销售员应该听AI的吗？这正是我创立**爱的智慧（Love Intelligence，LQ）**的意义。关心（Care）：我们是否真正为客户着想？勇气（Courage）：即使AI的建议很有说服力，我们是否敢于坚持做正确的事？连接（Connection）：我们是在操纵客户，还是建立长...

From Tasks to Agents, and now to Influence: AI and You

AI Is No Longer Just Doing Our Work. It Is Influencing How We Think. What Happens to Human Trainers? After 26 years of training, I refuse to become obsolete. If AI can teach, advise, persuade and even make decisions, why should anyone still pay a human trainer? This is a question I have been asking myself. For 26 years, I have stood before thousands of participants, sharing knowledge, telling stories, playing songs and helping people learn. Today, AI can create training materials in seconds, explain complex theories, generate videos and answer questions around the clock. And AI is moving beyond performing tasks as an agent. It is increasingly influencing what people believe, buy and decide. I cannot stop this transformation. But I can decide whether AI makes me less relevant, or more valuable. 1. Stop Competing With AI on Knowledge If training is merely transferring information, AI will increasingly replace that function. Why pay someone to explain what AI can explain instantly? I have...

26年培训路，我找到了子期，正在寻找孙仪与邓丽君！

26年培训路，我找到了子期，正在寻找孙仪与邓丽君！一个人有才华，不代表有人欣赏；有人欣赏，也不代表能够成功。从事培训26年，我越来越明白这个道理。一、伯牙遇子期：千金易得，知音难求中国古代有个感人的故事：伯牙绝弦。伯牙善于弹古琴，钟子期却是少数真正听得懂他琴声的人。子期去世后，伯牙悲痛万分，摔琴断弦，从此不再弹奏。这也是霸王茶姬「伯牙绝弦」茶名背后的文化故事。伯牙需要的，不是更多掌声，而是一位真正懂他的知音。我很幸运。在26年的培训旅程中，我已经遇到了自己的「子期」。有人欣赏我的才华，理解我的坚持，为我的小小成就感到高兴。这份理解和鼓励，比许多荣誉更珍贵。但我也逐渐明白：有人懂你，是幸福；有人助你成就更大的价值，才是另一段旅程的开始。二、从孙仪到邓丽君：好东西也需要对的人《月亮代表我的心》并非一开始就大红大紫。作词人孙仪为旋律写下动人的歌词，邓丽君则在1977年凭借深情演绎，让歌曲广为传唱，成为跨越世代的经典。这让我领悟到三种贵人：子期：懂你的人，欣赏你的才华。孙仪：识货的人，帮助你完善价值。邓丽君：成就你的人，让更多人看见你的价值。三种人，三种不同的力量。三、63岁的我，还在寻找 26年来，我通过培训、歌曲、幽默和故事，让学习变得快乐而有意义。如今，我更希望把自己创立的** 爱的智慧（LQ）**带给更多人。让关心取代冷漠，让勇气战胜恐惧，让连接建立信任。我已经有了子期。现在，我正在寻找自己的孙仪与邓丽君。不是为了出名，而是不希望26年累积的经验与智慧，只停留在有限的课堂里。四、你找到自己的贵人了吗？也许你很努力，却始终得不到赏识。也许你有才华，却一直没有机会发挥。请记住：没人欣赏，不等于你没有价值。暂时没有成功，不等于你没有未来。继续提升自己，寻找对的人，创造属于自己的舞台。更重要的是：当你寻找自己的子期、孙仪和邓丽君时，也别忘了成为别人的贵人。因为人生最大的成就，不只是自己发光，而是让更多人因你而闪耀。吴林朔 Andy Ng 爱的智慧（LQ）创立者培训师、作家、教练财务治理与战略顾问

This Trainer has found his Ziqi. Now is looking for his Sun Yi and Teresa Teng

This Trainer Has Found His Ziqi. Now He Is Looking for His Sun Yi and Teresa Teng. After 26 years of training, I have learned that being good at what you do is not enough. You also need the right people to recognise your value. The ancient Chinese story of Boya and Ziqi (伯牙与子期) illustrates this beautifully. Boya was a master of the guqin. Ziqi was the rare person who could truly understand and appreciate the feelings expressed through his music. When Ziqi died, Boya reportedly broke his instrument and never played again. This is the story of 伯牙绝弦 — the inspiration behind CHAGEE's Boya Jasmine Green Milk Tea (伯牙绝弦). It teaches us the value of a 知音 — someone who truly understands and appreciates us. I am fortunate that, in my training journey, I have already found someone who plays the role of Ziqi. Someone who appreciates my strengths, encourages my efforts and celebrates my small achievements. For that, I am deeply grateful. But appreciation alone is not enough to bring one...

当AI什么都能教，为什么还有人需要我？

AI正在取代培训师？26年培训经验告诉我，如何不被淘汰！当AI什么都能教，为什么还有人需要我？从2001年开始，我从事全职培训工作，至今已有26年。这些年来，我最感谢的，就是无数曾经参与我课程的学员。但今天，我不得不面对一个现实：如果AI可以随时讲解理论、制作课件、回答问题，企业为什么还要花钱请我培训？我不会自我安慰说：“AI永远无法取代人类培训师。” 事实上，如果培训师只是传授知识、播放PPT、解释理论，AI已经可以做得更快、更便宜。那么，我该怎么办？我的答案，竟然就在过去26年坚持的五种教学方式里。一、让学习充满快乐，而不是压力每次开课，我都会告诉学员： “今天最重要的事情，就是玩得开心！” AI可以讲解知识，但课堂上大家一起开怀大笑、互相鼓励、分享经历的感觉，是另一种学习体验。我希望学员不是被迫来上课，而是期待来上课。二、少讲理论，多谈实际应用知识越来越容易获得，我不需要跟AI比赛谁懂得更多。我更关心： “学员明天回到工作岗位，能够做出什么改变？” 懂得领导理论是一回事，敢于面对难缠的员工、处理客户投诉，又是另一回事。培训的价值，不是知道多少，而是做到多少。三、把学员的真实问题带进课堂我会根据不同企业、行业和学员的情况，调整课程内容。有人面对工作压力，有人苦于员工不合作，也有人担心被AI取代。我不只是提供答案，而是帮助他们重新认识问题，寻找适合自己的解决方法。真正有价值的培训，不是照着PPT讲，而是帮助学员解决自己的问题。四、用歌曲、幽默和故事打动人心上过我课程的人都知道，我喜欢播放歌曲、搞笑视频，也喜欢讲故事。为什么？因为一首歌，有时比十张PPT更能打动人心。一个搞笑视频，可能让主管突然发现自己管理上的问题。一个故事，可能让失去信心的人重新鼓起勇气。知识可以进入大脑，但真正的改变，往往从感动开始。五、让学员反思，而不是依赖答案 AI让答案越来越容易取得。但答案多，不代表智慧高。因此，我经常安排反思练习： “我一直以来有什么盲点？” “如果换个角度思考，会有什么不同？” “明天开始，我愿意改变什么？” 好的培训师，不是让学员依赖自己，而是帮助他们学会独立思考。我的真正策略：不与AI竞争，而是创造AI难以替代的价值我不反对AI。相反，我欢迎AI帮助我准备教材、整理资料、提高效率。这样，我就能把更多时间...

Why I Am Changing the Way I Train — Before AI Changes It for Me

After 26 Years of Training, Will AI Make Trainers Like Me Obsolete? Why I Am Changing the Way I Train — Before AI Changes It for Me There is one question I cannot afford to ignore after 26 years as a full-time trainer: If AI can explain almost anything, create beautiful slides, generate case studies and answer questions instantly, why would anyone still pay to attend my training? I could comfort myself by saying that AI will never replace human trainers. But that would be dangerous complacency. The truth is, AI can already replace many things trainers have traditionally been paid to do. If my job is merely to deliver information, explain theories and show PowerPoint slides, I have good reason to worry. AI can do much of that faster, cheaper and at any hour of the day. So what am I doing about it? Interestingly, the answer lies in the five training practices I have developed over the past 26 years. 1. I Make Learning Fun, Not Just Informative AI can explain a concept in seconds. But can...

26年培训路，数不尽的欢笑，说不完的感恩

站在讲台上的是我，教会我最多的，却是你们。从事全职培训26年，我越来越深刻地体会到：虽然我是站在台上的讲师，但很多时候，真正学到最多的人，反而是我自己。自2001年以来，我有幸接触来自不同企业、政府机构、行业和社会背景的学员。有些人满怀期待地来上课，有些人是被老板安排来的，还有些人带着疲惫、压力，甚至怀疑：“又要浪费一天时间上课了？” 但让我感动的是，经过几个小时的相处，我们往往从陌生人变成了可以一起欢笑、交流、分享人生经验的朋友。回顾这26年的培训生涯，我心中充满感恩。感谢的，不只是让我有机会站在讲台上的机构，更是每一位曾经坐在台下的你。一、我上课的第一原则：开心最重要！每次培训开始，我都会告诉学员：“今天最重要的事情，就是大家要玩得开心！” 有些人听了会觉得奇怪。上课不是应该认真学习吗？怎么把开心放在第一位？因为我相信，当人们放松心情，愿意开怀大笑，学习才会变得自然。笑声可以打破隔阂，让陌生人变得亲近，也让大家更愿意提问、分享和参与。说句心里话：每次上课，最开心的人，可能不是学员，而是我自己！谢谢你们愿意陪我笑，甚至连我那些不太好笑的笑话，也愿意捧场！二、我不希望你记住我教的所有东西年轻时，我总想在课堂上传授更多知识。但随着经验累积，我越来越明白： **培训的价值，不在于讲师教了多少，而在于学员真正用上了多少。** 与其让大家记住30个理论，却一个也没有实践，我宁愿大家记住三个重点，并且真正应用其中一个。因此，我特别重视实际应用，而不是一味灌输知识。最让我欣慰的，不是课程结束时的掌声。而是多年以后，有学员告诉我： “Andy，你以前教我的方法，我现在还在用！” 一句这样的话，足以让我开心很久。谢谢你们让我的教学产生真正的价值。三、每一位学员，都是我的老师 26年来，我接触过政府公务员、企业主管、销售人员、服务人员和创业者。每个人面对的挑战都不同。因此，我总是尽量根据学员的实际情况，调整课程内容、案例和活动。但在这个过程中，我发现了一件很美妙的事情。当我努力了解你们的世界时，你们也在不断扩大我的世界。你们提出的问题，让我重新思考自己的观点。你们分享的经历，成为我日后教学的真实案例。你们不同的看法，让我明白，同一个问题可以有许多不同的答案。今天我所分享的许多智慧，不完全来自书本，而是来自26年来与学员的...

26 Years of Training, Thousands of Smiles, and One Big Thank You

26 Years of Training, Thousands of Smiles, and One Big Thank You After 26 years as a full-time trainer, I have come to realise something: I may be the trainer standing in front of the room, but I am often the one who learns the most. Since 2001, I have had the privilege of meeting people from different organisations, industries, cultures and walks of life. Some came willingly. Some were sent by their bosses. Some arrived looking tired, stressed or wondering whether the course would be worth their time. Yet, by the end of many sessions, we had laughed together, shared experiences and discovered something meaningful about ourselves. Looking back, I am deeply grateful. Not just for the opportunity to teach, but for the people who have made these 26 years so memorable. ## 1. Having Fun Is My First Priority At the beginning of my training, I often tell participants: "The most important thing today is to have fun!" Some look surprised. After all, aren't we supposed to be seriou...

5-seat Cap. Why it bothers you?

The Five-Seat Rule: How Singapore Is Fixing the "Busy Director" Crisis Imagine hiring a master chef to run your restaurant’s kitchen, only to discover they are simultaneously running four other kitchens across town. They might have a brilliant reputation, but when a critical fire breaks out in your kitchen, they are stuck in traffic miles away. You aren't paying for their expertise; you are paying for a ghost. For years, this was the quiet vulnerability in Singapore’s corporate boardrooms. High-profile individuals routinely accumulated long lists of board appointments. On paper, having a prestigious name on the board signaled stability. In reality, these "overboarded" directors simply lacked the hours in the day to effectively police management. Recognizing that an overstretched guardian is no guardian at all, Singapore Exchange Regulation (SGX RegCo) has driven a massive cultural shift. By pushing forward a strict five-directorship cap and mandating a Lead Inde...

人工智能生产力背后的隐患

人工智能生产力背后的隐患如果人工智能（AI）能让你工作效率翻倍，却让你的组织创新能力减半，那会怎样？我们常被告知，人工智能将通过帮助我们更快速、更智能、更高效地工作，从而彻底改变职场。然而，《海峡时报》（The Straits Times）最近的一篇报道援引了来自欧洲工商管理学院（INSEAD）和谷歌DeepMind研究人员的观点，提出了一个令人不安的可能性：人工智能在提升个人生产力的同时，可能会削弱职场创新能力。原因其实非常简单。我们变得越来越“自给自足”，却与其他人的联结日益减少。谷歌DeepMind组织人工智能研究负责人马丁·冈萨雷斯（Martin Gonzalez）描述了一种被称为“自给自足螺旋”（self-sufficiency spiral）的现象。员工们不再向同事寻求建议，而是越来越多地转向人工智能。既然ChatGPT能立即给出答案，何必还要等待经理回复呢？既然人工智能几秒钟内就能生成20个点子，何必还要与同事进行头脑风暴呢？既然人工智能随时待命且几乎不会让你感到不适，何必还要冒着产生分歧的风险去沟通呢？起初，这看起来似乎很棒。员工变得更加独立，工作完成得更快，生产力也随之提高。但与此同时，一些宝贵的东西却在悄然消失。那些能够激发组织创造力的对话、分歧以及人与人之间的互动，正在逐渐减少。创新很少源于“众口一词”或“思想高度一致”；它往往产生于拥有不同经历的人们相互碰撞与挑战之时。 INSEAD的研究人员还警告称，由人工智能辅助的团队可能会趋向于产生相似的想法，从而导致思维多样性的丧失。试想一下，如果有100名员工都利用人工智能来撰写商业提案。他们或许能产出100份精美的演示文稿，但其中真正独特的想法又有多少呢？我们或许正在产出更多的“答案”，却提出了更少的“原创性问题”。正因如此，我认为在人工智能时代，“爱的智慧”（Love Intelligence，简称LQ）变得愈发重要。人工智能可以生成想法、分析信息并实现任务自动化。但组织依然需要那些真正懂得关怀、敢于挑战并能与他人建立联结的人。我提出的爱的智慧（LQ）框架包含三个简单的原则： 1. 关怀（Care）：理解人，而不仅仅是信息人工智能或许能告诉经理员工“应该”做什么，但经理是否真正理解员工当下的真实处境与感受呢？ “关怀”意味着倾听、察觉他人的顾虑，并...

Before You Ask AI, Ask a Human

The Hidden Danger of AI Productivity What if AI helps you work twice as fast, but makes your organisation half as innovative? We have been told that AI will transform the workplace by helping us work faster, smarter and more efficiently. But a recent report in The Straits Times , featuring researchers from INSEAD and Google DeepMind, raises a disturbing possibility: AI may boost individual productivity while undermining workplace innovation. The reason is surprisingly simple. We are becoming more self-sufficient, but less connected to one another. Martin Gonzalez, head of organisational AI research at Google DeepMind, describes a phenomenon called the “self-sufficiency spiral.” Instead of asking colleagues for advice, employees increasingly turn to AI. Why wait for your manager when ChatGPT can answer immediately? Why brainstorm with colleagues when AI can generate 20 ideas in seconds? Why risk disagreements when AI is always available and rarely makes you feel uncomfortable? ...

Stop Fearing AI Taking Your Job. Start Fearing the Opportunities You May Miss!

Stop Fearing AI Taking Your Job. Start Fearing the Opportunities You May Miss! Sun Tzu Art of War had the answer 2,500 years ago. First Principles Thinking explains why. Everyone is asking: "Will AI take away my job?" I think we are asking the wrong question. What if AI creates so many new opportunities that we cannot find enough people to seize them? Sun Tzu's Art of War begins with five fundamental factors, placing Dao (道) first. Dao is about shared purpose, direction, and alignment. Before asking HOW to win, we must understand WHY we are fighting. This connects beautifully with First Principles Thinking . Instead of accepting the assumption that AI destroys jobs, question it. What is the fundamental purpose of work? Is it to perform repetitive tasks? Or is it to create value, solve problems, serve people, and improve lives? If AI can perform certain tasks faster and cheaper, why fight it? Let AI do what it does best. We focus on creating value that was previously ...