Borrison/hk-legicost huggingface dataset:
上月在福利事務委員會的公聽會上，以執紙皮維生的67歲黃婆婆哭訴找了10多份工也不獲聘請，到快餐店求職則連申請表格也拿不到，反映長者就業困難。
At the public hearing of the Panel on Welfare Services last month the 67 - year - old Mrs WONG who made ends meet by scavenging cardboards recounted in tears how her 10 - odd job hunts had all ended in vain and when she wanted to get a job at a fast food restaurant she was not even given an application form reflecting that elderly persons have difficulty getting employment
但很可惜，面對黃婆婆的求助，局長說了些甚麼呢？
But regrettably what did the Secretary say in response to Mrs WONGs plea for help?
他冷漠無情地叫她向勞工處求助，令我們知道他"IQ爆棚"，但原來"EQ零分"，為甚麼？
He told her to seek help from the Labour Department LD in an indifferent manner and we then realized that he had an extraordinarily high IQ but an extremely low EQ . Why?
主席，雖然黃婆婆的年齡已高於65歲，但年齡比她稍低的60歲至64歲長者，情況也好不了多少，尤其是一些學歷較低及缺乏專門技能的長者，求職十分困難，而要找到一份提供合理工資及工時的工作則難上加難，有人甚至說是天方夜譚。
President while Mrs WONG is aged above 65 the life of those elderly persons aged between 60 and 64 just a bit younger than her is not much better . In particular those elderly persons with lower academic qualifications and no expertise find it difficult to get a job and it is even more difficult and some even call it a pipe dream to get a job that offers reasonable pay and work hours
很可惜，在局長眼中，他們仍然是中年，還有很多時間和機會。
Sadly though in the eyes of the Secretary they are still in their middle age with plenty of time and opportunities ahead
主席，對於今天討論的議案中提出"全方位支援60歲至64歲長者"，我大致上表示贊同。
President I am generally supportive of the motion on Supporting elderly persons aged between 60 and 64 on all fronts under discussion today
但我必須堅持一點，就是我們在討論如何促進長者就業時不能被政府的說法牽着鼻子走，而是要根據長者的意願提供合適的就業支援和足夠的福利保障，讓他們可以選擇自己的人生和生活。
But I must insist on the point that when discussing ways to promote elderly employment instead of letting the Government lead us by the nose we should offer appropriate employment support and adequate welfare protection according to the wishes of the elderly thereby enabling them to choose their own life and lifestyle
從羅致光局長的角度，我可能仍然是年青人。
From the perspective of Secretary Dr LAW Chi - kwong I may still be considered a youngster
歌詞是這樣的："時間都去哪兒了/還沒好好感受年輕就老了/生兒養女一輩子/滿腦子都是孩子哭了笑了/時間都去哪兒了/還沒好好看看你眼睛就花了/柴米油鹽半輩子/轉眼就只剩下滿臉的皺紋了"。
The lyrics go like this 時間都去哪兒了還沒好好感受年輕就老了生兒養女一輩子滿腦子都是孩子哭了笑了時間都去哪兒了還沒好好看看你眼睛就花了柴米油鹽半輩子轉眼就只剩下滿臉的皺紋了
如果我們說人有閒暇才算有人生，其實初老才是人生的開始。
We say we have a life only if we have leisure time then young old is actually the beginning of life
香港工會聯合會過去兩年與林太會面提出對施政報告的訴求時，也特別提到我們十分希望長者乘車優惠能擴大至60歲的長者。
Over the past two years when the Hong Kong Federation of Trade Unions FTU met with Mrs LAM to present our suggestions in respect of the Policy Address we had especially mentioned our wish that the elderly fare concession be extended to elderly persons 60 years old
雖然政府未必有能力向60歲至64歲的初老、剛開始享受人生的人提供很多生活資助。
Though the Government may not be able to provide many living subsidies for the young old aged between 60 and 64 who have just started to enjoy life and it may not be justifiable for the Government to do so is it possible to at least provide them with some allowances?
第二，我想補充剛才工聯會同事沒有提到的一點，便是關於在大灣區養老的考慮。
Second I would like to add one point not mentioned by other FTU colleagues which is about the consideration of retirement in the Greater Bay Area
為60歲至64歲這組群人士進行健康評估的目的是預防勝於治療。
Health assessment should be conducted for this group of people aged between 60 and 64 because prevention is better than cure
過去亦有報告指出，我們大約在65歲後開始便會有不同的慢性疾病，例如高血壓、心臟病、糖尿病這些比較高風險的疾病。
Reports have pointed out that we will start developing various chronic diseases or high risk diseases such as hypertension heart diseases and diabetes after turning 65
我昨天的發言很清楚，我的意向是投反對票，但因為在操作上按錯按鈕，所以出現了錯誤的投票結果，希望代理主席將我的聲明記錄在案。
I made it very clear in my speech yesterday that I intended to vote against it but an operational mistake of pressing the wrong button produced a wrong voting result . I hope the Deputy President will put my declaration on record
第一，我們的科技和生產力不斷提升，例如自動化和人工智能，人們理論上無須再過於操勞。
Firstly given the ever advancing technology and productivity such as automation and artificial intelligence theoretically people no longer need to engage in overly laborious tasks
從社會發展的階段來看，人們甚至可以提早退休，輕鬆享受人生。
Considering the stage at which society has developed people can even retire early and enjoy life in a carefree manner
但從另一角度來看，人們的壽命越來越長，亦越來越健康，有些人活到60歲仍很壯健，還有發揮餘熱的地方。
But from another perspective with an increasing long life expectancy and improving health some people are still physically strong at 60 years of age and capable of bringing their strength into play
如果叫他們不要工作，只享清福，他們可能會感到太清閒，甚至變成一種人力資源的浪費。
If they are asked to not work and only enjoy the comfort and happiness of leisure they may feel they have too much time on hand which may even result in a waste of human resources
更不幸的是有些人連這些機會也沒有，要在市場上重新求職則難上加難，即使是公務員職系也不會聘請60歲以上的人士為新入職員工。
More unfortunately some people do not even have such opportunities . It is hugely difficult to seek employment again in the labour market . Even civil service grades will not employ people aged 60 or above as new recruits
根據有關數字，如僱主聘用60歲以上的失業人士，可獲得4,000元的在職培訓津貼，為期6至12個月；如聘用40歲至60歲以下的失業人士，則可獲得3,000元的在職培訓津貼，為期3至6個月。
According to the relevant numbers employers engaging unemployed persons aged 60 or above can receive an on - the - job training allowance of 4,000 for six to 12 months; and they can receive an on - the - job training allowance of 3,000 for three to six months for engaging unemployed persons aged between 40 and 60 . Over the past few years ie
即使60歲不是太年老，即使當局鼓勵就業，但當局欺負長者的情況擲地有聲，令香港人知道我們現時要面對一系列政策，這令我們非常擔心。
Even if the age of 60 is not too old and even if the authorities wish to encourage them to work the authorities act of ill - treating the elderly is loud and clear and the people of Hong Kong know that we are now facing a series of resultant policies . We are extremely worried
然而，問題在於整個特區政府的安老政策有多照顧長者。
Yet at issue is how much care is provided to the elderly under the elderly care policy of the SAR Government
香港作為國際城市，竟有超過100萬貧窮人口，這已是非常丟臉的事。
It is extremely shameful that Hong Kong as a cosmopolitan city has a poor population of over 1 million
小時候，我們學習"老有所終，壯有所用，幼有所長"、"鰥寡孤獨，廢疾者，皆有所養"，這是我們小時候已經學習的。
How is the city taking care of our elderly? . During our childhood we learnt that the elderly must be able to lead a decent life till the end of their years the strong must be able to make good use of their strengths and the young must be able to grow up and that widowers widows orphans the disabled and the sick will be sufficiently maintained . We learnt these values when we were small
"老吾老，以及人之老；幼吾幼，以及人之幼"，這也是自小學習的一種傳統，我們要照顧、尊敬長者。
Another tradition which we have learnt since our childhood is to care for my own aged parents and extend the same care to the aged parents of others; love my own young children and extend the same love to the children of others and that we should care and respect the elderly
可是，立法會今天竟要卑微地提出一項議案，指出政府收緊長者門檻後，長者綜援受到影響的問題。
Regrettably today in the Legislative Council we have to propose a humble motion stating the impact on elderly CSSA after the age threshold is tightened by the Government
主席，這是一個重大的警號。
President this is a great alarm
我們實在不知道，是否每次都要有同事提出議案或社會有很大的聲音，特區政府才會"跪低"。
We really wonder if the SAR Government will give in to cater their needs only when Honourable colleagues have put forth motions or the community has expressed strong opinions
同時，60歲其實已踏入我們所謂的"初老"，又或是梁美芬議員所說的"初長"，這個也對。
At the same time people at the age of 60 have reached early old age or the young elderly stage as stated by Dr Priscilla LEUNG which is also correct per se
其實，尊敬應由心而發。
In fact such respect should come from ones heart
正正因為政府開局做得差，甚麼不好做，竟然搞長者，還要一波未平一波又起。
This should be attributed to the bad move taken in the very beginning . The Government has a wide range of tasks to undertake yet it dares to disturb the elderly stirring up troubles one wave after another
我現在請李國麟議員動議修正案。
I now call upon Prof Joseph LEE to move his amendment
我現在向各位提出的待議議題是：李國麟議員的修正案，予以通過。
I now propose the question to you and that is That Prof Joseph LEEs amendment be passed
大家都很關心如何在就業、福利、醫療等方面支援60歲至64歲人士。
All of them are very concerned about how to support persons aged between 60 and 64 in terms of employment welfare health care etc
事實上，議案以"全方位"3個字為題，反映議題涉及多個政策範疇。
In fact on all fronts are part of the motion title indicating that the issue involves multiple policy areas
現在，請容許我代表政府作一併回應。
Now allow me to give a combined response on behalf of the Government
正如我在開場發言時指出，60歲至64歲勞動人口參與率在過去10年間顯著增加。
I pointed out in my opening speech that there had been a significant increase in the labour force participation rate of people aged between 60 and 64 over the past 10 years
政府亦一直採取多管齊下的策略，促進他們就業。僱員再培訓局為50歲或以上人士專設課程及支援服務，以提升他們與就業相關的技能。
The Government has all along adopted a multi - pronged strategy to facilitate their employment
有議員要求政府立法禁止職場年齡歧視。
Some Members have requested the Government to enact legislation against age discrimination in the workplace
正如我在開場發言指出，勞工處在《消除就業方面的年齡歧視》僱傭實務指引已就消除招聘和在工作場所中的年齡歧視提供一套完善的處事方法。
As I have mentioned in my opening remarks LD has set forth the best practices for eliminating age discrimination in recruitment and workplace in the Practical Guidelines for Employers on Eliminating Age Discrimination in Employment
我們會繼續推廣平等就業機會的信息，促進和保障平等就業機會。
We will continue to publicize the message of equal employment promote and safeguard equal employment opportunities
至於退休人士再度就業的強制性公積金安排，根據財經事務及庫務局提供的資料，60至64歲的再就業年長人士同樣受到強積金的保障。
As regards the Mandatory Provident Fund MPF arrangements for retired persons engaged in re - employment according to the information provided by the Financial Services and the Treasury Bureau elderly persons aged 60 to 64 engaged in re - employment are also protected by MPF
如以僱員身份再就業，其僱主必須安排該僱員參加強積金計劃並作出強制性供款。
If they are engaged in re - employment in the capacity of an employee their employers must make arrangements to enrol these employees in an MPF scheme and make mandatory contributions
如以自僱身份再就業，該人士則必須自行參加強積金計劃並作出強制性供款。
If they are engaged in re - employment in the form of self - employment they must participate in an MPF scheme on their own and make mandatory contributions
有議員亦關心退休保障的事宜。
Some Members have also expressed concern over retirement protection
在理念上，政府認為有限的資源應集中照顧有經濟需要的長者，而且視乎長者的年齡及身體、家庭和經濟狀況等，他們在社會保障、醫療、社區照顧，甚至理財方面亦會 有不同的需要。政府認為應在維持現行多根支柱的退休保障制度的基礎上，強化每根支柱，包括強積金支柱，令到它們能互相配合，互相補足。就此，政府會繼續留意強積金的推行情況，鼓勵市民增加其退休儲蓄。
Pursuant to our philosophy the Government considers it necessary to concentrate the limited resources on taking care of elderly persons with financial needs
相信大家都留意到，不時有報道指香港是長壽之都。
I believe Members must have noticed that from time to time there would be reports saying that Hong Kong is a city of long life expectancy
正如剛才多位議員特別提到，根據政府統計處的資料，在2018年，香港男性的出生時預期平均壽命為82歲，而女性更達88歲。
As a number of Members have particularly pointed out earlier on according to the information of the Census and Statistics Department in 2018 the expectation of life at birth for males was 82 whereas that for females was even 88 in Hong Kong
到2066年，男性和女性的預期壽命更分別上升至87歲和93歲。
In 2066 the projected life expectancies for males and females will further increase to 87 years and 93 years respectively
屆時，65歲或以上的人口將達259萬人，較2018年的約130萬人大幅上升1倍；60歲或以上的人口更將由181萬人上升至297萬人。
By that time the number of people aged 65 or above in the population will reach 2.59 million representing a substantial increase of 100 % over the number of around 1.3 million in 2018 and the population aged 60 or above will even increase from 1.81 million to 2.97 million
本港平均壽命和整體健康質素提升，越來越多年長人士投入勞動市場。
With longer average life expectancies and an improvement in the overall health quality in Hong Kong more and more mature persons are engaged in the labour market
其中，60歲至64歲這個年齡組別的勞動人口參與率在過去10年顯著增長，由2008年的32%上升至2018年的47%；就業人數亦由2008年的約95,000人大幅增加近兩倍至2018年的250,000人，遠超整體就業人數同期的8%增幅。
In particular the labour force participation rate of this age group of 60 to 64 has increased significantly over the past decade from 32 % in 2008 to 47 % in 2018 . The number of employed persons has substantially increased by nearly two folds from about 95 000 in 2008 to 250 000 in 2018 far exceeding the 8 % increase in the overall working population during the same period
上述數字一方面顯示越來越多這個年齡組別的人士仍活躍於勞動市場，另一方面亦反映越來越多僱主願意聘用他們。
These figures show that on the one hand more and more people in this age group are still active in the labour market and on the other more and more employers are willing to employ them
香港的情況與世界趨勢很吻合。
The situation in Hong Kong is very much in line with the world trend
經濟合作與發展組織定期為各成員國發布名為"較年長人士退出勞動人口的平均實際年齡"的指標。
The Organisation for Economic Co - operation and Development regularly publishes for its member countries an indicator known as the average effective age at which older workers withdraw from the labour force
根據2017年的數據，以男士為例，英國的相關年齡為65歲，美國為67.6歲；一些鄰近香港的亞洲國家就更高，日本為70.6歲，南韓更達72.9歲。
According to the statistics in 2017 and take men as an example the age was 65 in the United Kingdom and 67.6 in the United States . It is even higher in some countries neighbouring Hong Kong in Asia such as 70.6 in Japan and 72.9 in South Korea
隨着人均壽命延長，延後退休的趨勢未來相信會持續。
With longer average life expectancies the trend of deferring the retirement age is expected to continue in the future
政府一直按年長人士不同的身體和經濟狀況，提供適切支援，涵蓋就業、現金援助、護理等多個範疇。
The Government has all along provided mature persons with suitable support according to their different physical and financial conditions covering such areas as employment cash assistance and care services
郭偉强議員的原議案及不少修正案在就業支援方面着墨較多。
The original motion proposed by Mr KWOK Wai - keung and many amendments to it have made relatively more mention of employment support
事實上，政府一直採取多管齊下策略，一方面加強年長人士的培訓和持續進修，促進他們就業；另一方面亦為他們提供多元化的求職支援服務，鼓勵僱主聘用年長人士，並加強推廣友善對待年長人士的僱傭措施。
In fact the Government has all along adopted a multi - pronged strategy to enhance training and continuing education for mature persons and promote their employment on the one hand and on the other provide diversified support services for job seekers encourage employers to hire mature persons and step up efforts in promoting friendly employment practices for mature persons
就年長人士的培訓和持續進修而言，僱員再培訓局現時提供約700項涵蓋28個行業範疇及通用技能訓練的培訓課程，亦有專為50歲或以上人士而設的課程及支援服務，以提升年長人士的就業能力，協助他們按個人的意向投入就業市場。
In respect of training and continuing education for mature persons the Employees Retraining Board currently offers about 700 training courses covering 28 industries and for developing generic skills . Courses and support services are also provided specifically for people aged 50 or above in an effort to upgrade the employability of mature persons and assist them in joining the employment market according to their own preferences
此外，年長人士亦可利用持續進修基金提供的培訓資助持續進修。
Besides mature persons can also pursue continuing education with the training subsidies provided by the Continuing Education Fund
在年長人士求職及僱傭支援方面，勞工處去年9月已優化中高齡就業計劃，調高在職培訓津貼，鼓勵僱主聘用60歲或以上求職人士。
In respect of support for mature persons in job seeking and employment the Labour Department LD already enhanced the Employment Programme for the Elderly and Middle - aged in September last year by adjusting upward the training allowance to encourage employers to hire job seekers aged 60 or above
勞工處亦一直鼓勵僱主依據"不論年齡，唯才是用"的原則，評估應徵者或員工的工作能力。
LD has also encouraged employers to evaluate the abilities of the job candidates or their staff members on the principle of counting on talent not age in employment
就此，勞工處發出名為《消除就業方面的年齡歧視》的僱傭實務指引，提供一套完善的處事方法供僱主參考，從而消除招聘和在工作場所中的年齡歧視。
In this connection LD has issued the Practical Guidelines for Employers on Eliminating Age Discrimination in Employment . These guidelines aim to set forth the best practicesfor employers reference with a view to eliminating age discrimination in recruitment and workplaces
如果長者在退休後再度就業，可再次享有在勞工法例下所提供的一系列福利和保障，不會因為他們曾離開就業市場而減少；有關強制性公積金計劃的安排亦然。
Elderly persons re - entering the job market can once again enjoy the series of welfare and protection provided under the labour legislation . Such welfare and protection will not be any less as a result of they having left the job market before . The arrangement is the same for the Mandatory Provident Fund MPF scheme
根據財經事務及庫務局提供的資料，《強制性公積金計劃條例》已明確規定，除非僱員為獲豁免人士，例如非建造業或飲食業而僱用期少於60日的僱員，否則僱主必須安排年滿18歲至未滿65歲的僱員參加強積金計劃。
According to the information provided by the Financial Services and the Treasury Bureau the Mandatory Provident Fund Schemes Ordinance has clearly provided that except for employees who are exempt persons such as employees not working in the construction industry or the catering industry with an employment period of less than 60 days employers are required to make arrangements for their employees aged between 18 and 65 to join an MPF scheme
換言之，60歲至64歲的年長就業人士同樣受到保障。
In other words mature persons aged between 60 and 64 who are in employment are also afforded protection
僱主如僱用60歲至64歲的年長人士，僱主必須安排這些僱員參加強積金計劃並作出強制性供款。
Employers of mature persons aged between 60 and 64 are required to make arrangements for these employees to join an MPF scheme and make mandatory contributions to these schemes
如果60歲至64歲的年長人士曾退休並因此而提取強積金，但日後改變主意重投職場，他們將可重新參加強積金計劃作出供款，繼續增加其退休儲蓄。
For mature persons aged between 60 and 64 who have retired and withdrawn their MPF benefits on this ground before if they change their mind and take up employment again in future they can join an MPF scheme again and make contributions to it so as to continuously build up their savings for retirement
政府除鼓勵有工作能力的年長人士投身勞動市場外，亦非常關顧沒有經濟能力應付生活所需或體弱的年長人士，並致力在現金援助、護理、醫療服務及其他相關範疇，為他們提供適切到位的支援。
Apart from encouraging mature persons with the ability to work to join the labour market the Government also cares a lot about mature persons who lack the means to make ends meet and those who are physically frail . We have endeavoured to render them tailor - made support in terms of cash assistance care and medical services as well as services in other relevant areas
當然，面對人口急促高齡化，政府亦必須審慎運用公帑，以具針對性的原則提供適切的支援。
Certainly in view of rapid population ageing the Government must exercise prudence in utilizing public coffers and provide pertinent support on the principle that it is rightly targeted
如果我們繼續硬性將60歲劃為退休分界線，顯然與現實脫節。
It is obviously out of touch with reality to continue to impose 60 years as the threshold of retirement
同時，香港受到人口老化影響，年青的勞動力減少，社會亦開始將退休年齡延遲至65歲，以減低勞動力下降的情況。
Meanwhile given the effect of population ageing the young labour force in Hong Kong is dwindling and society has begun to extend the retirement age to 65 to counter the shrinkage of the labour force
資料顯示，目前60歲至65歲的男性中有六成人仍然在職，這種情況亦是國際大趨勢，而政府亦將大部分長者福利的申請年齡定為65歲或以上。
Information shows that at present among males aged between 60 and 65 60 % are still working . Such a situation is also an international trend . And the Government has also set the eligibility age for most elderly welfare benefits at 65 or above
其實外國也有研究顯示，健康人士延遲退休有助減低死亡風險，所以延遲退休不單有經濟因素，亦可能對身心有好處，所以我們不應該從負面的角度看待這件事。
In fact overseas studies indicate that deferment of retirement is conducive to reducing the risk of death of healthy people . Therefore deferment of retirement is underpinned by not only economic factors but also physical and mental benefits . Therefore we should not look at the matter from a negative angle
不過，新趨勢亦衍生出社會問題。
However the new trend also brings forth social problems
60歲至64歲的市民中有很多人可以繼續工作，但難免有部分人因健康問題而無法繼續工作，又或可能因種種原因而未能找到工作，而他們又未屆申請長者福利的年齡，結果便出現問題。
Many of the people aged between 60 and 64 may continue to work but inevitably some others may not be able to continue working because of health problems or they fail to find jobs for various reasons . However they have yet to meet the age requirement for application of elderly welfare benefits and so problems emerge
我相信延遲退休年齡是國際大趨勢，香港亦在所難免，但政府同時要認真研究如何協助這些弱勢市民。
I believe extension of retirement age is an international trend which Hong Kong cannot avoid . Yet the Government at the same time should seriously study how to render assistance to such disadvantaged people
目前，勞工處不時為年長人士舉辦大型專題招聘會，據說反應不俗。
Currently the Labour Department organizes from time to time large - scale thematic job fairs for elderly persons which are reportedly well - received
此外，勞工處去年亦推出優化的中高齡就業計劃，如僱主聘用60歲或以上的失業者，可以申請每名每月高達4,000元的在職培訓津貼，為期6至12個月。
Moreover it introduced the enhanced Employment Programme for the Elderly and Middle - aged last year . Employers engaging unemployed persons aged 60 or above can apply for an on - the - job training allowance of up to 4,000 monthly per employee for 6 to 12 months
這個辦法雖好，但仍有年期限制，政府應該考慮為企業提供稅務誘因，讓聘請60歲或以上人士的企業可以得到稅務寬免，從而吸引企業長期聘用一定比率的年長員工，相信效果會更好。
Such a measure is good but it carries an age limit . The Government should consider providing tax incentives for enterprises so that those hiring persons aged 60 or above can receive tax concessions thereby incentivizing enterprises to hire a certain proportion of elderly employees on a long - term basis . Such a practice will presumably produce better results
此外，社會亦有一些人選擇創業，特別是有一技之長的人士，例如廚師開小食店、糕點師傅開麵包店等，但香港的租金高昂，創業成功率不高。
Furthermore some people in society opt to start their own businesses especially people with special skills such as cooks opening snack stalls and pastry chefs opening bakeries . But given the exorbitant rents in Hong Kong the success rate of start - ups is not high
近期便聽到不少人選擇到大灣區創業，例如在民居附近開設港式雲吞麵店、蛋撻店、小食店，甚至茶餐廳，因為大灣區的消費能力高，生活模式亦與香港相近，最重要是租金便宜，創業成本比香港低得多，商店無須生意很好亦能生存，相信會有越來越多人到大灣區創業。
Recently I have heard that many people chose to start their own businesses in the Greater Bay Area such as opening Hong Kong style wonton noodle shops egg tart shops snack stalls and even Hong Kong style cafes near residential premises . In the Greater Bay Area owing to the high spending power a lifestyle closer to that of Hong Kong and most importantly lower rents the cost of start - ups is much lower than that in Hong Kong . Shops can survive even without a huge amount of business
我希望政府可以為這些創業人士提供協助，除了向內地政府爭取優惠條件外，還可以為有意創業的人士提供協助，例如提供創業所需資訊、相關法規及申請牌照方面的資料等。
I believe more and more people will set up businesses in the Greater Bay Area . I hope the Government can provide assistance for such people aspiring to start their own businesses there . Apart from requesting the Mainland governments to offer favourable conditions the Government can render assistance to such people intending to start their own businesses by for example providing necessary information pertinent to start - ups and information on relevant laws and regulations and application for licences
目前已有越來越多人喜歡到大灣區消遣娛樂，下一步將有更多人願意到該處工作或創業，因為大灣區的市場和機會均較香港大得多。
Now more and more people prefer going to the Greater Bay Area for leisure and entertainment . Next more people will be willing to work or set up businesses there because the Greater Bay Area offers a much bigger market and way more opportunities than Hong Kong
最後，我想指出其實保險也能提供合適保障。
Lastly I wish to point out that insurance can also afford appropriate protection
市民如果年屆60歲便真的無法工作，例如因為健康較差，基層市民難免要依靠公共資源，政府需要想辦法協助。
If people really cannot work after reaching 60 years of age due to for example poor health the grass roots will inevitably rely on public resources and the Government thus needs to figure out ways to help them
但有能力的中產人士則可及早為自己作好準備，即使60歲後沒有工作仍可利用保險解決問題。
But the capable middle class can make early preparations for themselves . Even if they have no work after turning 60 years old they can rely on insurance as a solution
我過往一直主張政府利用保險模式協助解決人口老化的問題，例如提供經濟或稅務誘因以鼓勵中產人士購買與退休有關的保險，從而減低對公共資源的依賴，屬多贏方案，外國早已流行。
I have been advocating that the Government makes use of the model of insurance to solve problems arising from population ageing such as providing financial or tax incentives to encourage the middle class to take out retirement - related insurance policies so as to reduce the reliance on public resources . It is a multiple - win option which has long been popular in foreign countries
近年，政府對這方面的建議很支持，反應亦很正面，先後推出自願醫保計劃、延期年金計劃及強制性公積金可扣稅自願供款的計劃，當中的延期年金計劃可供自製"長糧"，市民可及早為退休作準備，有需要時可在60歲或更早時間領取每月收益。
In recent years the Government has been very supportive of and responding positively to proposals in this respect . It has one after another put forth the Voluntary Health Insurance Scheme deferred annuity policies and tax deductible voluntary contributions under the Mandatory Provident Fund System . Among them the deferred annuity policies even allow self - arranged pensions so that people can make early preparations for retirement to obtain monthly benefits at 60 years of age or earlier if and when necessary
我認為香港政府意識到問題所在，有方向，但沒有實際行動。
I believe the Hong Kong Government is aware of the problem but it has not taken any practical actions even though it has a direction