tag:blogger.com,1999:blog-69677277868325542852024-03-19T04:24:28.946-07:00自由工作者的自由投資路Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.comBlogger426125tag:blogger.com,1999:blog-6967727786832554285.post-71060073681142127912024-03-14T04:44:00.000-07:002024-03-14T04:49:59.035-07:00TG趣聞<p>在2024年頭半年,美聯儲減息的機率急跌。所以在債券市場內,仍有不少年息5-6%多的below par IG bonds可供選擇。個人操作也是簡單re-invest為主,繼續購入中長年期的債券產品。</p><p>雖然大家現時不需擔心re-investment risks,但近期新發行的公司債券,孳息率確實比不上去年秋季的「大熊市」:</p><p><a href="https://theedgemalaysia.com/node/704518?utm_source=Newswav&utm_medium=Website">https://theedgemalaysia.com/node/704518?utm_source=Newswav&utm_medium=Website</a></p><p>最近在telegram谷見到以下一個分享,頗為有趣:</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFzr_zUbMboMMxE78yr04hIS1RPa3m0IblsNUkABIa7O27mgwtqMv8_Jvnc5MbMQeCNNuDH6-pvrU2Fvyd3u49N2Dc33os1LBfs6wtolESqNDrgAbDR1LOXhLJ4JuuRI5pVXU2yclsKGXaDJuQkLolVOkAJDV4e-28xJCNuMGngRbe4iQS6XF8QnV2Ryk/s1800/4A7B8E8C-86F8-4360-B125-4C57336D84CB.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1248" data-original-width="1800" height="222" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFzr_zUbMboMMxE78yr04hIS1RPa3m0IblsNUkABIa7O27mgwtqMv8_Jvnc5MbMQeCNNuDH6-pvrU2Fvyd3u49N2Dc33os1LBfs6wtolESqNDrgAbDR1LOXhLJ4JuuRI5pVXU2yclsKGXaDJuQkLolVOkAJDV4e-28xJCNuMGngRbe4iQS6XF8QnV2Ryk/s320/4A7B8E8C-86F8-4360-B125-4C57336D84CB.jpeg" width="320" /></a></div><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZ5ghswTiTwXdvGZ1Zomprfny09fggTz2Hj5d6D0wgcdLvpyeyHQmLN66SqlbTbSUOZvgsPoU8qUziR_unz6ekFTeiMPQ1HPD83XTknaUXV6ZeY3UsnOMFtqfV3mHepdjbZG2xInPXSxyhvGIVJzGNfrUV6LPBzQFhRniZ81gQcflasBPZEW4jdWYDPFM/s1800/0316D315-2A40-4955-AB83-D61342C89989.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1800" data-original-width="1151" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZ5ghswTiTwXdvGZ1Zomprfny09fggTz2Hj5d6D0wgcdLvpyeyHQmLN66SqlbTbSUOZvgsPoU8qUziR_unz6ekFTeiMPQ1HPD83XTknaUXV6ZeY3UsnOMFtqfV3mHepdjbZG2xInPXSxyhvGIVJzGNfrUV6LPBzQFhRniZ81gQcflasBPZEW4jdWYDPFM/s320/0316D315-2A40-4955-AB83-D61342C89989.jpeg" width="205" /></a></div><p>有過千萬的流動現金,卻一直只放在同一隻雞蛋(港元資產)內。現時見到彼岸的美股大升,又突然心雄想轉玩其他投資市場~這種心態,大家是否覺得似曾相識?</p><p>投資並沒有最佳的方法,始終每人也是按自己的需要來構建all-weather portfolio,並盡量分散至不同地方和不同產品。由於上述發言者一直問問題,有tg谷友提議他直接付費咨詢谷主(ie. 谷主開設私募基金)。</p><p>個人認為這是對的做法:自己沒有做功課,又想繼續伸手黨,是不會有任何人entertain的。大家的時間及心力也很寶貴,既然有8位數的流動現金、而又毫不認識香港以外的任何市場,那麼俾少少錢購買服務,我覺得是合理的等價交換。</p><p>當然,自己學習及實踐絕對是最好的。假如你想別人主動告訴你重要的資訊,那麼你便需有相應的知識作為分享。</p><p><br /></p><p><br /></p><p><br /></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com4tag:blogger.com,1999:blog-6967727786832554285.post-5806865543989377642024-02-13T22:01:00.000-08:002024-02-13T22:01:44.846-08:00二月新加坡短遊<p>今個假期去了一趟新加坡旅行,詳細旅程及景點名稱便不詳述了~先分享下靚相:)</p><div class="separator" style="clear: both; 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margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv3_u57ux5mDxiRxA7jPP0NvL0e7PBTrhq9mXOeVSNpZsjlh1N9j8NV-uoPD5-bfS6nzjUdNEEl0DjlEQtPUb3po18ewOOqw2MQTcM07-RyZZ3Nqh7eI1xZraI_0ynrjZLY-dXY8FqBHzb0wdesDoLCLcLzrE3ggK3tC7q_yPlz_VIHnuNEABrysVF6cA/s320/E392AE53-9485-4688-9339-AEFA27F7A0C0.jpeg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhU4hcUguStkn2Pt5ytIZ8fBLrzvGM-gegx_tlJ99QMy40WVrHy-OiIArzqnyrlm0WjOhFfx3KRBklHwZd7yv8ktSTdNNVFM5gpWZv5BjXVlQTRrcPAbjMmXazVnpY-CPHRdnKzDoGTME-6vfbGfNgMPc23UwtbJWi0VcE3e5dihyETbIkiTdP9ezhHK-I/s4032/E3005163-AFB2-4DB9-B631-5161FB3210AE.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhU4hcUguStkn2Pt5ytIZ8fBLrzvGM-gegx_tlJ99QMy40WVrHy-OiIArzqnyrlm0WjOhFfx3KRBklHwZd7yv8ktSTdNNVFM5gpWZv5BjXVlQTRrcPAbjMmXazVnpY-CPHRdnKzDoGTME-6vfbGfNgMPc23UwtbJWi0VcE3e5dihyETbIkiTdP9ezhHK-I/s320/E3005163-AFB2-4DB9-B631-5161FB3210AE.jpeg" width="320" /></a></div><br /><div class="separator" style="clear: both; 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margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikzTottvkJL_zqML9C89qEVzs5c2iASYmixlKTL2U82Qqyxxe7BzN8qJ9WTttfE_pQWHBkfN9wlCiAxpDV2BUI1SNuCrnrEbVD0LX87_w4HUqPAJQ1lQMpBLg8Kd9lIbbeid5ZgvPr6Iiosz7xYW53J4cpdb9CFFHPrOGGBX1n52Wwjo61Dxl_FSarPaE/s320/EEFF4B8E-0BB9-4129-AECE-9E040B3B01A9.jpeg" width="320" /></a></div><br /><p>還有其他景點的照片,但分享特別少少的觀察:新加坡商業區(Raffles Place)一帶的銀行大廈林立,但適合旅客吃飯/喝咖啡的店舖,還是每兩三步便有一間。</p><p>Hawker Centre有較多平價食品,我用6元SGD買了一個「新加坡三餸飯」:</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGT7AS0OjnczBmnDE0_u8l6XECgpbZyJvpIpdUx1IYCUnKjuQ3KvowsVPrykcGUAvBctszfqvHC_UzHNmHrEFp-oBMgG_n84_M7LVnTwvz6-zWi24e2HsVyOobqkRvzV_DKxFhfc4EJqXg_MHfHwl3pUaePH1aJLA4t1m2dNRTLChYcZg6TGMoweNC094/s4032/51525CD4-5792-4769-891E-206DD0AA182F.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGT7AS0OjnczBmnDE0_u8l6XECgpbZyJvpIpdUx1IYCUnKjuQ3KvowsVPrykcGUAvBctszfqvHC_UzHNmHrEFp-oBMgG_n84_M7LVnTwvz6-zWi24e2HsVyOobqkRvzV_DKxFhfc4EJqXg_MHfHwl3pUaePH1aJLA4t1m2dNRTLChYcZg6TGMoweNC094/s320/51525CD4-5792-4769-891E-206DD0AA182F.jpeg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicnyzlicK6Ue-mRxOlwunv-j3M0sd1P8QNHGPCloCqYU91-VDz02rh3qxloFjZlKDmy_rDQ4j6NxqEJPGdOY8tAdV7BtXRh9sbJu6L2OGtCdHMpTSKzyOePS4GKUPLJ82bE5XHQy8IffpHbQH8Zdn-tb5ZQcFrG-lGZB_V-1TNBkNfIywhBUwHJOy1GlQ/s3816/DA535FA8-4DA8-492B-BEC5-A980BCB56F21.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2422" data-original-width="3816" height="203" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicnyzlicK6Ue-mRxOlwunv-j3M0sd1P8QNHGPCloCqYU91-VDz02rh3qxloFjZlKDmy_rDQ4j6NxqEJPGdOY8tAdV7BtXRh9sbJu6L2OGtCdHMpTSKzyOePS4GKUPLJ82bE5XHQy8IffpHbQH8Zdn-tb5ZQcFrG-lGZB_V-1TNBkNfIywhBUwHJOy1GlQ/s320/DA535FA8-4DA8-492B-BEC5-A980BCB56F21.jpeg" width="320" /></a></div><br /><p>新春期間,各銀行的裝飾都非常漂亮。OCBC的門口橫額最架勢,不過中國銀行的獅子像就有點粗糙:</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRD9VCfz3-5xQYkBp5paxlPh_JWHJ2DBaCidIMCp6ZcTc4PUAryr8Zd30P7Njnuw35mYc9hmnpDIa9VgPFnY_UBbXlLWbT5xgb_hb9CcPgkP_VDUOvuZzxpz4SWYJ2qrcE9htbBOTRsJacWxO4SZUHM8niko4GBXiCaQvIHIZp1YjWKObEz3Nh7Qc5jXM/s4032/A7DE1566-7C0B-4054-A01E-7A56BC803368.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4032" data-original-width="3024" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRD9VCfz3-5xQYkBp5paxlPh_JWHJ2DBaCidIMCp6ZcTc4PUAryr8Zd30P7Njnuw35mYc9hmnpDIa9VgPFnY_UBbXlLWbT5xgb_hb9CcPgkP_VDUOvuZzxpz4SWYJ2qrcE9htbBOTRsJacWxO4SZUHM8niko4GBXiCaQvIHIZp1YjWKObEz3Nh7Qc5jXM/s320/A7DE1566-7C0B-4054-A01E-7A56BC803368.jpeg" width="240" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibDT8GQ1O7ZoiL6YIp7flZYrh3FoSW2G3zwQW5yIaLEkMCMI3TkVcpveV6jaPlrVul6V0gl615-V7LvHhlb4HDzbuv0m8IgdcZx1gjWwQItx3GaGtkzpJViC47kKGK9QNU9B26vsZg42R_nSN4oLb7SfRR1MDFaH27mP1hqpbiT9zcTA5aAlKgFHPTsHs/s4032/BE895D3E-553D-4D71-A56A-4D2E6A08514F.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibDT8GQ1O7ZoiL6YIp7flZYrh3FoSW2G3zwQW5yIaLEkMCMI3TkVcpveV6jaPlrVul6V0gl615-V7LvHhlb4HDzbuv0m8IgdcZx1gjWwQItx3GaGtkzpJViC47kKGK9QNU9B26vsZg42R_nSN4oLb7SfRR1MDFaH27mP1hqpbiT9zcTA5aAlKgFHPTsHs/s320/BE895D3E-553D-4D71-A56A-4D2E6A08514F.jpeg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: left;">本來想幫襯瑞幸咖啡的orange espresso,可惜他們不接受現金支付:</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhI-xHeqkM4rLBkdvSCEjKTWsN27XQWJFA6zhibyCcss1U75CtrTSJfejCGNHRMiRMm6l8G4P-w3MHdNs15rchUCEBpBOyxhJFrBHfwrcx_Ss90Z5P20npgmhD3Vi03aMJbgIiTiUZnibmYv2LaYtqRUDp-FNvMhLcKJmb4oS9gUbg7pMJPRuzkzHcuvCY/s4032/A9E479C8-814F-4209-BA84-65EE8FF5B414.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4032" data-original-width="3024" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhI-xHeqkM4rLBkdvSCEjKTWsN27XQWJFA6zhibyCcss1U75CtrTSJfejCGNHRMiRMm6l8G4P-w3MHdNs15rchUCEBpBOyxhJFrBHfwrcx_Ss90Z5P20npgmhD3Vi03aMJbgIiTiUZnibmYv2LaYtqRUDp-FNvMhLcKJmb4oS9gUbg7pMJPRuzkzHcuvCY/s320/A9E479C8-814F-4209-BA84-65EE8FF5B414.jpeg" width="240" /></a></div><div><br /></div>在新加坡市區內,很難找到書店或報紙亭。不過酒店旁附近的百勝樓,幾層內開設了多間大小書店及畫具舖。其中大眾書局的面積最大,我也入手了幾本教科書:<div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjj2ISTPC6Rk9BV87M2sk516emHRs16DlQG-rvKkZKRhDV4U-xpQ6gbBnSEBU9MlID9GZcmzSkOyEi9KRspScq-8ZiiFsY_kUXsvlBAieHRQw09QsI76ePqzkNnAOLMnmWDApjBi3_ml6WsZMkuJXF9OrGbYGAL3O8OgD0bCNMiLyZUT0rC5nZU9O-9ZoQ/s4032/4317F39F-DE21-4892-8694-CCA5729812BA.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjj2ISTPC6Rk9BV87M2sk516emHRs16DlQG-rvKkZKRhDV4U-xpQ6gbBnSEBU9MlID9GZcmzSkOyEi9KRspScq-8ZiiFsY_kUXsvlBAieHRQw09QsI76ePqzkNnAOLMnmWDApjBi3_ml6WsZMkuJXF9OrGbYGAL3O8OgD0bCNMiLyZUT0rC5nZU9O-9ZoQ/s320/4317F39F-DE21-4892-8694-CCA5729812BA.jpeg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifHspok8048JhtL995pKHp8diNLNpkPIJgaZQFNh9k5YZjSr9WRUhfdsr18lXp_kDrc6n3nMy-lwRUQD1aSFgVwB-0TzZF6TBQEP7IzEGcgD6ljoNahE0mRoYwFE4Jz19yYbXQdU1zRZggVa30PmPdnS7qbju8mDSayGheF5K3jnd6KGXzPx3jBPwlQTk/s4032/C0D917CD-9E4D-4063-814C-8EC6793181AE.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4032" data-original-width="3024" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifHspok8048JhtL995pKHp8diNLNpkPIJgaZQFNh9k5YZjSr9WRUhfdsr18lXp_kDrc6n3nMy-lwRUQD1aSFgVwB-0TzZF6TBQEP7IzEGcgD6ljoNahE0mRoYwFE4Jz19yYbXQdU1zRZggVa30PmPdnS7qbju8mDSayGheF5K3jnd6KGXzPx3jBPwlQTk/s320/C0D917CD-9E4D-4063-814C-8EC6793181AE.jpeg" width="240" /></a></div><div><br /></div>總的來說,新加坡人對遊客非常友善,我問路時也得到不少幫助。但整體而言,新加坡與香港逛的地方可能算差不多,尤其適合喜歡城市環境和各款美食的遊客。生活成本兩地也是一樣的高,我買Strait Times報紙時,第一頁便見到李顯龍鼓勵市民生仔。而根據的士師傅的分享,僅是當地幼稚園的月費,就需約四千SGD一個月了~<br /><div><br /><div class="separator" style="clear: both; text-align: left;">另外本網誌近期有很多來自新加坡的瀏覧,如非spam的話,也非常歡迎網友留言與我打聲招呼:) 謹此祝福大家龍年大吉!身體健康!心想事成!</div><br /><p><br /></p><p><br /></p><p><br /></p></div>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com2tag:blogger.com,1999:blog-6967727786832554285.post-42126501016355428702024-01-04T08:49:00.000-08:002024-01-04T08:49:41.473-08:00美國鋼鐵債券會否贖回?<p></p><p>雖然Nippon擬出價收購United States Steel Corporation的成果仍未落實,但消息一出來的時候,我便想United States Steel Corporation債券有沒有機會被贖回。</p><p>我早於2022年購入“United States Steel, 6.65% 1jun2037” 與 “United States Steel, 6.875% 1mar2029”,當時低息環境下仍未有很多$100以下的高息投資級別債券可選,所以便看中這間歷史悠久的資源公司。</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhUa5j7w61a3ClnXhdSyim0jpJtJeRMI7ALiAStiNL5jb9OJ20Xir7rnFWkbJ6oEF93dV5hjYVE4QF0IiyL6epzqIp2HqiMd7KZi5q8KqMIkfi3HOh-8ZVReNzfTYJl7Lud4mjd9nfIBl1DguxeBS-4J_ZCHVC7A12rUMPzB4uEWgG5UPM9bIcJpbOCuM/s1652/12C89CD2-2382-4010-A952-F34D8DDD9EB8.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="525" data-original-width="1652" height="102" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhUa5j7w61a3ClnXhdSyim0jpJtJeRMI7ALiAStiNL5jb9OJ20Xir7rnFWkbJ6oEF93dV5hjYVE4QF0IiyL6epzqIp2HqiMd7KZi5q8KqMIkfi3HOh-8ZVReNzfTYJl7Lud4mjd9nfIBl1DguxeBS-4J_ZCHVC7A12rUMPzB4uEWgG5UPM9bIcJpbOCuM/s320/12C89CD2-2382-4010-A952-F34D8DDD9EB8.jpeg" width="320" /></a></div><p><br /></p><p>我嘗試電郵United States Steel Corporation的investors relations部門,他們再將內容轉介給其代理”EQ Shareowner Services”回答,但看來他們也不知道答案:</p><p>“EQ Shareowner Services is the transfer agent for US Steel Corporation stock; however we are unable to assist with their bonds. For general inquiries, contact the U. S. Steel Operator. Their phone number is (412) 433-1121.”</p><p>再找回網上的新聞發佈稿件(https://www.businesswire.com/news/home/20231218603022/en/Nippon-Steel-Corporation-NSC-to-Acquire-U.-S.-Steel-Moving-Forward-Together-as-the-%E2%80%98Best-Steelmaker-with-World-Leading-Capabilities%E2%80%99),有以下這麼一句:</p><p>“…agreement pursuant to which NSC will acquire U. S. Steel in an all-cash transaction at $55.00 per share, representing an equity value of approximately $14.1 billion plus the assumption of debt, for a total enterprise value of $14.9 billion.”</p><p>雖然這次收購在美國國會議員的反對下,成事的機會不大。但萬一M&A成功的話,Nippon在減息環境下亦未必想繼續支付每年逾6厘的債息。公司提前贖回高息債券也是低息環境下的常見動作,這向來是投資債券的re-investment risks。</p><p>在近日的動盪環境下,我也非常認同財經YouTuber「美國Vin化爐」提及的條則:每隔幾月也應有產品派息與資金回籠,以執行靈活的投資舉動。再加上每月的主動收入及儲蓄,多分散brackets亦可避免被任何一個資產拖跨自己。低息VS高息的操作不同,投資者不需刻意為收息而收息,亦不用故意為增長而冒險,順勢而為才是最佳方法。</p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-54966352524761699432023-12-05T22:49:00.000-08:002023-12-05T22:49:07.348-08:00今年建倉完成<p>近日市場炒減息,所以大量資金流至債券市場。尤其是較高息的極長期IG bonds,現時很多價位已徘徊$105以上,非常誇張。</p><p><a href="https://money.udn.com/money/amp/story/5613/7615952">https://money.udn.com/money/amp/story/5613/7615952</a></p><p>10-11月確實是債市入場的最佳時期,由於當時不少短期債券均升穿face value,所以我與家人主要購入中長期的投資級別債券,看中這些產品價格多數有big discounts。只要評級高+財報佳,這些IG bonds往往連極長期產品也企穩$97/98以上,的確是高息環境下才有機會讓零售投資者入貨。</p><p>我一般不考慮保險公司,但例如十月份購入的”MMC Corp, 6.25%, 2052”,相信短期內也不大機會跌至$99附近可再加倉了。</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdS6NU3JdZfAOHwQFHEFLf_GJupOfegPz4_d9tmrV-bRNVPnTayXcR0XrCslRXzPLnZ-XEvwqPZp0zxD2MvEzZyxbermyEBqak9yjz0WMRRHmmGeR97GwOcbcggb02HcX5ROJn37gBDTWPOjGxIB_9aRHbAMtJVeCiFcz_Vblqzo5gBG6GlAAtbHzwgzc/s700/D3EBD54C-1E5B-4751-AB43-00821694D619.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="394" data-original-width="700" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdS6NU3JdZfAOHwQFHEFLf_GJupOfegPz4_d9tmrV-bRNVPnTayXcR0XrCslRXzPLnZ-XEvwqPZp0zxD2MvEzZyxbermyEBqak9yjz0WMRRHmmGeR97GwOcbcggb02HcX5ROJn37gBDTWPOjGxIB_9aRHbAMtJVeCiFcz_Vblqzo5gBG6GlAAtbHzwgzc/s320/D3EBD54C-1E5B-4751-AB43-00821694D619.jpeg" width="320" /></a></div><br /><p>不過隨著FED無意加息的消息傳出,市場也極速priced in,所以現時不少公司長期債的溢價已超越其短期債。相信在未來新一年想re-invest債券,也有一定的難度。唯自己現時倉位已算是bond-heavy + stock-light,若果下年轉低息環境的話,也想加倉三大指數ETFs與big tech stocks等。</p><p>早前兩三個月是較辛苦的日子,因夜晚看債券較夜入睡。美債市場雖然大,但個別bid price與sell price的spread相差甚遠,而且流量亦不多。股票的報價買賣,仍可靠箝入程式/multi-charts等軟件幫手,但債券的買賣,真的幾乎全憑肉眼留意。</p><p>假如FED今個月減息或維持息率的話,相信債市值得買入的產品不會多,反而購入價會更水漲船高;但假如FED今個月萬一加息的話,這樣便更好,因我可繼續用主動+被動收入作re-investment。</p><p>目前個人想更專注工作,因不少學生快踏入考試期了,而且碩士課程上也開始需多做presentation。學用Canva app的design功能,真的比寫文更麻煩!我仍在摸索中,希望大家也百尺竿頭、更進一步,明年迎接更好的自己:)</p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com7tag:blogger.com,1999:blog-6967727786832554285.post-83149272351300204332023-11-04T08:14:00.004-07:002023-11-04T08:14:59.265-07:00贖回 atco.pri<p></p><p>自從派息8厘、不徵稅的atco.pri優先股在十月底贖回後,我便將回籠資金改為購入IG bonds。十一月初仍有投資級別債券「減價」(eg. Sysco Corporation),時機算是剛剛好。</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglMUmVIBr3f8vCiRDmsHtBl2fHaiSdh2O9GcQdXZ1qUChTBxZ_xI_nvXjO9puWV7_Ktzx7QwCqKe5CCe31aVRYeuPJk0yBi7JuqZyp00FVl7-8mXufqO9wBgEY1lDJj9RdvSRmYmLaeW435B_BAbVEiFgTaNWeM_jmRedEGCQNYsmsxKQpwHR7-3KPj24/s460/C2CCA139-02B5-46CD-A3F7-E0987A57BCD1.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="289" data-original-width="460" height="201" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglMUmVIBr3f8vCiRDmsHtBl2fHaiSdh2O9GcQdXZ1qUChTBxZ_xI_nvXjO9puWV7_Ktzx7QwCqKe5CCe31aVRYeuPJk0yBi7JuqZyp00FVl7-8mXufqO9wBgEY1lDJj9RdvSRmYmLaeW435B_BAbVEiFgTaNWeM_jmRedEGCQNYsmsxKQpwHR7-3KPj24/s320/C2CCA139-02B5-46CD-A3F7-E0987A57BCD1.jpeg" width="320" /></a></div><p>不過美國最新公佈GDP為4.9%,聯儲又宣布不加息,因此債息回落令債價回升。之前週四五兩晚的債券賣價,很多產品已漲回不少。</p><p>市場憧憬下年六月起可能開始減息,儘管高通脹可能仍維持一段長時間,但隨著10年期債息逐步正常化,債市內的「錯價」情況未必會維持太久。近月投資者往往不是入得太多,而是入得太早。</p><p>下面帖子是一個特別的分享:專欄作者早於7年前預計環球資金將在加息環境下回籠美國市場,亦在2021年預料俄羅斯的戰爭野心。其視野與邏輯理論異常清晰,不過就可能預測得過早了一些。智者趁勢,所以邊走邊審時度勢是必須的。</p><p><a href="https://lihkg.com/thread/3517532/page/1">https://lihkg.com/thread/3517532/page/1</a></p><p><br /></p><p><br /></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com2tag:blogger.com,1999:blog-6967727786832554285.post-1534679045017210772023-10-03T23:23:00.001-07:002023-10-03T23:23:54.683-07:00美債風暴?<p>美市近日股債齊跌,長年及短年債的息率拉得更為接近,令中長期債券繼續捱跌價。不過近日市況比較悲觀,就連短期高息債券也跌至$100樓下。</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQf-e-ThyphenhyphenIpoEJLWmAN791tBIWqV5Wa1fuampDvcSDbjrdY6IulIxDArUxVsCIT0errKSCf5rE91cd4vL1y5gAftPpoto90XAoiVqMqIoYMRuBKplNbHWES0mng4ZYqm0vA_phWXkB_t2vEamEaSGV5P9TpsTMoRfUUP62mnun2A0FtqoGUy-CbusZXUY/s2240/5865A55E-FC71-46FC-A30D-D8A1DA9CD372.webp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1260" data-original-width="2240" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQf-e-ThyphenhyphenIpoEJLWmAN791tBIWqV5Wa1fuampDvcSDbjrdY6IulIxDArUxVsCIT0errKSCf5rE91cd4vL1y5gAftPpoto90XAoiVqMqIoYMRuBKplNbHWES0mng4ZYqm0vA_phWXkB_t2vEamEaSGV5P9TpsTMoRfUUP62mnun2A0FtqoGUy-CbusZXUY/s320/5865A55E-FC71-46FC-A30D-D8A1DA9CD372.webp" width="320" /></a></div><p><br /></p><p><a href="https://lihkg.com/thread/3512791/page/1">https://lihkg.com/thread/3512791/page/1</a></p><p>不少昔日長期企穩par value以上的高息IG bonds,近幾天也一直跌價。例如41年到期的Disney 6.15厘債券,昨晚收市便跌至$98.49左右。</p><p>目前IG bonds的跌幅情況,真是頗為超現實。對大眾投資者來說,感覺就好像一直沒買開奢侈品,但現時不少大品牌的手錶/手袋均宣布大減價,非常吸引非常想買,但貨品種類卻多得令人難以入手。</p><p>我個人認為繼續買債的話,投資取向可考慮平衡長中短債的portfolio,這可同時hedge inflation及deflation risks 。雖然市場預期美聯儲未來一兩年仍維持高息環境(即使不再加息),但投資者亦不需因投資級別債券冧價而追逐current yield越跌越買。在不明朗的市況下,控制注碼尤其重要,更何況美國的real GDP growth有沒有國債(近5%)般高,亦是一個純印錢未必能輕易解決的問題。</p><p>有趣的是:儘管債市非常波動,但我發覺一些goodwill極佳的IG bonds,表面上雖跌至$100以下,卻是連續N日落盤也未能購入!這是否有點像逆市中的Hermes,仍然需要顧客排隊和配貨?</p><p>現時的高息環境是近幾十年來(自80年代初)難得一見,這對打工一族做定期買債非常方便,但對借貸創業的人卻頗為困難。近月我也積極收息sponsor個人讀書中,所以繼續re-invest買債的誘因非常之大,但理智上都提自己要平衡風險。特別的是現時ETD價格較不受利率環境影響,所以倉位內繼續維持股票、債券、ETD、優先股、黃金商品與銀行定期etc的佔比是重要的。切勿為了過度收息而過度購債,應時刻做定身心理的準備。</p><p><br /></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-1597879744937773922023-09-14T23:02:00.002-07:002023-09-14T23:02:08.848-07:00債券被提早贖回<p></p><p>最近收到IB電郵通知:Portfolio中的一員”TDG, 6.375%, 06/15/26, — 宣布將進行全部贖回,進行息票給付,生效日期爲20230918。”</p><p>短債(非長債/永續債)宣布提早贖回,都算是近期第一次聽。TransDigm Group的ytd股票回報逾30%,但可惜公司將終止任何OTC交易。這也證明用below-par價錢購入債券的重要性,就是計回贖金與利息,投資者點都唔會蝕。</p><p>但用贖回資金再re-invest,在目前市況環境下就選擇不多了。尤其是找回同一個軍工sector的企業債券,具龍頭地位且yield較高的$9X債券,幾乎只有long-duration bonds可作考慮。</p><p>連登網上見過一個說法:現時市況選短債是為了鎖定派息與本金,而選長債則較傾向是炒價格波幅。個人認為都有一定的道理,總之我們應繼續分散投資,並選擇現金流強的龍頭企業。分散不同行業之餘,盡量避開bank/insurance/real estate/public utilities這類「高危板塊」便可以了。</p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-55385638081925929882023-09-04T06:41:00.006-07:002023-09-04T14:47:00.411-07:00理財騙局<p>早前Cable TV提及Mary戶口因渣打理財經理多次無理交易而蝕近千八萬的慘況後,網上有不同媒體與市民的意見分享。不過最到肉的,我認為是Ivan Li的帖子所言:</p><p>https://www.facebook.com/100094557627557/posts/pfbid02jqR5jCQE2RZF4kR7G6QCCbCLke1TkjpYYsXQaQqj58UuEoFTBjiLw49vKaejUwLFl/?d=n</p><p>世上真係無免費午餐~既然連身邊親人都唔會咁關心自己,陌生人突然對自己噓寒問暖,基本上都係非奸即盜。</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZWjdUM7Bsutls1wslEVa-wfIZZjoSLC6SiXKyjNFbshkv-uRAgK22P9g7e4MX14WDa4eQ8wOUgpAjT476Dw9OPwqsJidRx-TEFn7hMynn890Okj6QrNTqwXRdA6s3LtcuHZtvyDDvd6MUIl6OnrWLRg1no-mrCML31quNsMkTrVmxWUhvkrGliO4qafI/s1920/A6586F62-8BC0-4A70-92BE-200C80837D86.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="1920" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZWjdUM7Bsutls1wslEVa-wfIZZjoSLC6SiXKyjNFbshkv-uRAgK22P9g7e4MX14WDa4eQ8wOUgpAjT476Dw9OPwqsJidRx-TEFn7hMynn890Okj6QrNTqwXRdA6s3LtcuHZtvyDDvd6MUIl6OnrWLRg1no-mrCML31quNsMkTrVmxWUhvkrGliO4qafI/s320/A6586F62-8BC0-4A70-92BE-200C80837D86.jpeg" width="320" /></a></div><p>帖子中第13點的「Stay invested,就唔會有錢俾人呃」真係至理良言。手頭上沒特別spare cash、資金鎖住晒,就自然沒機會被人騙走。據聞大劉在08年風暴時因低價購入美債已大賺近500億,難怪近年投資恆大蝕錢都恍如散子。不過如果一直stay invested 在優良的股債上,就未必有多餘資金投資在高風險產品上。</p><p>身為小巿民,我的做法當然市井得多:預扣每月生活開支後 ~ 每逢工作戶口一儲夠八千港元,我便匯入IB。(i.e. 債券最低的購入單位是1000美金內) ~只要儲定足夠的near-cash assets作應急之需,個人活期戶口絕不需擁太多現錢。</p><p>不過Ivan提及訂閱patreon後即使發覺唔啱睇,每月也只是蝕$100嘅講法,我個人就唔太同意 ~ 因為讀者好可能會跟隨patreon的投資建議而購入產品。假如買入/賣出時間與smart money動向有差別的話,最後都可能會蝕錢。不過任何個人戶口操作的投資風險,當然應由自己一人承擔。</p><p>世上並無免費午餐,只有機會出現相對不平衡的互動關係。如果自己不想成為被騙的一方,便切忌貪心、偷懶、自大或天真。現時咁多網騙、電話詐騙同KK園,就連弄得如幻似真的假銀行月結單都隨處可收到,真係疏忽少少都唔得!</p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-75335678382834761832023-08-04T04:29:00.005-07:002023-08-04T04:29:54.044-07:00債價下跌<p><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">近日歐洲機構Fitch(惠譽)將美國主權評級由「AAA」</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">下調至「AA+」,令股市和債市掀起一場跌價風波。</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">雖然耶倫等政府官員激烈反對,但市場普遍早已priced in類似消息。更何況評級前景定為穩定,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">所以其影響暫不能與2011年的主權降級相提並論。</span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE62oWKOT4zcd5ZbkvI1xjl2J1HGoS6D4IHBqCaJfv1PIAKpJzcimnq7yCq04rYCt5plCXyqLNxg47EoytbiwuHUJFTaLya8PdQ_pd3SMSPdFXAXvVcVd_waQFVd0X2L4Y7UOGBXdpHMiBeYLpBJqk1ggvg3FixZ0RbI70rjEAJf_TjZDBPwg9s6as0Ng/s720/24335A31-D9D5-4C5A-9F0E-5AC6C309517E.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="360" data-original-width="720" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE62oWKOT4zcd5ZbkvI1xjl2J1HGoS6D4IHBqCaJfv1PIAKpJzcimnq7yCq04rYCt5plCXyqLNxg47EoytbiwuHUJFTaLya8PdQ_pd3SMSPdFXAXvVcVd_waQFVd0X2L4Y7UOGBXdpHMiBeYLpBJqk1ggvg3FixZ0RbI70rjEAJf_TjZDBPwg9s6as0Ng/s320/24335A31-D9D5-4C5A-9F0E-5AC6C309517E.jpeg" width="320" /></a></div><p></p><div data-originalcomputedfontsize="16" data-removefontsize="true" dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">以下文章是一個不錯的recap,大家可為作參考:</div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><br /></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><a data-originalcomputedfontsize="16" data-removefontsize="true" data-saferedirecturl="https://www.google.com/url?q=https://www.cbsnews.com/news/fitch-downgrade-us-debt-what-it-means-cbs-news-explains/&source=gmail&ust=1691234740395000&usg=AOvVaw0uiIQwTYjF7wv-ba4I7V4S" href="https://www.cbsnews.com/news/fitch-downgrade-us-debt-what-it-means-cbs-news-explains/" style="border-color: rgb(66, 133, 244); color: #4285f4; font-size: 1rem;" target="_blank">https://www.cbsnews.com/news/<wbr style="border-color: rgb(66, 133, 244);"></wbr>fitch-downgrade-us-debt-what-<wbr style="border-color: rgb(66, 133, 244);"></wbr>it-means-cbs-news-explains/</a></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;"><br /></span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;">我覺得對不少投資者來說,思考角度反而是這樣:除了US market外,我還有其他什麼好的選擇?求增長的話,</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">美國龍頭tech stocks幾乎可一直長坐(所以連登論壇又興起月供TQQQ)</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">;求收息的話,現時美國國債已超過五厘。</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">其他大型城市或國家的投資產品,有幾多股票/REITs/</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">定息產品是穩派5厘以上、𠥔率穩定且評級不俗的?</span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;"><br /></span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;">有些人可能說日本股票市場近日復甦,連巴菲特也要選擇該地個股。</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">但不論產品類型、熟悉程度與匯率問題,相信仍難與美國市場匹敵。</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">分散投資是可以,但對individual investors來說,相信不會太多人重貨投入日本市場。</span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;"><br /></span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;">以我與家人為例:我們每月出糧後,便換為美金美股美債。</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">而我們亦不會是唯一這樣做的星斗小市民,</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">這亦反映了美國投資產品的多元性。以前在低息年代,</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">我們還需搜尋一些五六厘以上的香港收息股。但在目前環境,</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">派息五六厘的below par IG bonds已算比比皆是。</span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;"><br /></span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;">在近一週的股債回調之前,美國已有數月的升浪期。踏入2023 Q2,基本上也不會有人再認為經濟是陷於衰退期。</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">而適度的回調與整頓,是市場長遠發展的健康要素。</span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;"><br /></span></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><span style="font-size: 1rem;">當然,大家可保持審慎樂觀,也不需在近日跌市時急着大量買債。</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">除非S&P與Moody也考慮降低美國主權評級,</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">否則債市目前的負面情緒仍算是短期。若然擔心的話,</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">也可先繼續增加cash reserves,避免因持債太多而日夜憂心,</span><wbr style="border-color: rgb(49, 49, 49); font-size: 1rem;"></wbr><span style="font-size: 1rem;">亦可待市場過度恐慌時再出手入貨。</span></div>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com6tag:blogger.com,1999:blog-6967727786832554285.post-81793067869686842212023-07-19T07:18:00.004-07:002023-07-19T07:18:15.775-07:00放榜日<p>今屆DSE我共有兩名學生放榜,感恩他們各自有明確的升學方向,而且在考試中亦盡了全力。不過其中一位學生將申請覆核試卷,祝福他盡快有好消息呢!</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMB_GBAWWAKKeJI_58Qkb9Qv836jrTCeMwr-fI9QLitRsTORny6SeQ1tBJh9VadyKVYQlTXYXYMXTs2-AnguInPbOU6wKcEEMW0hEE4vmeXblvVRZub50GtNZGHsZWcZ5fv1d8iDQF_LoJsbrQf3AIayD55q6Imv6YvalZN-4OH7OZ6Vg3vIXJbBU9-Es/s2048/C905F415-90BD-405A-811B-A6C09B541FCE.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1070" data-original-width="2048" height="167" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMB_GBAWWAKKeJI_58Qkb9Qv836jrTCeMwr-fI9QLitRsTORny6SeQ1tBJh9VadyKVYQlTXYXYMXTs2-AnguInPbOU6wKcEEMW0hEE4vmeXblvVRZub50GtNZGHsZWcZ5fv1d8iDQF_LoJsbrQf3AIayD55q6Imv6YvalZN-4OH7OZ6Vg3vIXJbBU9-Es/s320/C905F415-90BD-405A-811B-A6C09B541FCE.jpeg" width="320" /></a></div><br /><p>考試只是人生其中一個階段,個人認為升學銜接及選擇專科更為重要。即使並非直升大學學位,當事人也需審選提供銜接課程的院校。以下一篇連登帖子,或可成為大家的參考:</p><p>https://lihkg.com/thread/3441172/page/1</p><p>除了工作之外,日常生活中我也有機會接觸年輕人。早前參加運動谷友聚會,得知不少廿零三十歲的年輕人,對美股、𧗠生工具及固定收益產品都非常熟悉。只要開通IB戶口,炒賣美股又可,搜索大公司ig bonds亦可,完全不需假手於人。待累積咁上下資產,又可轉倉產品或現金至FT或TD等離岸戶口,真的非常方便。</p><p>現時在IB的NAV 只要超過HKD 780,000,活期利息美元便有4.58%,港幣則有4.4%。(頭78,000元應不計派息) ~ 因此我家人早前由FT轉回資金入IB,剛好趕上個多星期前的債市小跌市。近幾天我想加倉,唯不少ig bonds 已升回溢價位置。</p><p>下次看到質素好的貨品,真的不妨早些入市。就好像前景最好的學位,也會是學生競爭的對象。不過債市也有其波幅性,我或可考慮連登網友的做法:間中加倉tqqq,以平衡一下(過多的)收息倉。然後瞌埋眼,待十年以後才觀看tqqq的淨值呢!</p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-56496642002548675802023-06-23T23:31:00.003-07:002023-06-23T23:31:45.762-07:00六月小結<p></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlIB2LlTarcz3holjSx1_-kDItBIocxyrPniC5t7huxuOxIyz92deDFQIdxk2hSXazFVVO7mctIF-mc-FBDvJOZsTATME8EnPlV9N97CfBIiouV2aUNYQT1Wx3hU1OPoN7EEfqeNNvC3Ey2lObm8BOl6lmLWElEycedV6ROoDJWCyaz_aXIzxFqGR5qho/s258/A614F613-5808-4535-8CEC-C4E4250559AA.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="195" data-original-width="258" height="195" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlIB2LlTarcz3holjSx1_-kDItBIocxyrPniC5t7huxuOxIyz92deDFQIdxk2hSXazFVVO7mctIF-mc-FBDvJOZsTATME8EnPlV9N97CfBIiouV2aUNYQT1Wx3hU1OPoN7EEfqeNNvC3Ey2lObm8BOl6lmLWElEycedV6ROoDJWCyaz_aXIzxFqGR5qho/s1600/A614F613-5808-4535-8CEC-C4E4250559AA.jpeg" width="258" /></a></div><br />近半年的工作頗為勞碌,幾乎是入行以來最辛苦的時期。早兩三年的封城停學,其負作用已充分反映在青少年的全科學習上。<p></p><p>感恩早前peak season有充足的體力應付,一切亦順利過渡。今週較空閑,我可處理一下儲蓄及投資事宜。剛好手頭上有定期儲款到期,再連同活期戶口的spare cash齊齊電匯至IB,一星期內便完成債券的加倉與re-balancing。債券始終是逐日計息,所以我也不刻意求「最低價」。以被動的形成享受複息效應,精力則主要投放在工作與進修上,相信是目前最適合自己的模式。</p><p>近期看中了一個part-time master,但有些詢問仍在處理中,就看看彼此有沒有緣分吧。否則的話,我繼續自修高中級的中文及數學也是可以的。</p><p>以自己的敏感情況來說,每逢冬夏也有段時間可休息多啲,對健康是有幫助的。我以前會頗羨慕事業上飛黃騰達的同輩,但現在更多的是懷有欣賞之情。人家捱到的考驗,不代表自己也適合。我對學生解題上付出的細心,並不代表我處理文書事務也一樣周到。能了解個人的長短處並100% honest,就是快樂自在的泉源。</p><p>自從多練習「小我」與「大我」的概念,和遠離不合適的人事圈子後,我覺得生活空間變得更廣闊。即使工作最繁忙的時候,思維仍能保持清晰。反省個人的不足之餘,亦懂得適當時候鼓勵自己。不過今個暑假真的要抖抖了,希望下次開帖有更充實的體驗與大家分享!</p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-55728988555535799092023-05-09T23:17:00.002-07:002023-05-09T23:17:22.498-07:00不寫文的日子<p><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">不經不覺停寫文已差不多半年了,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">老實講腦袋無以前咁overloaded,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">因不需再經常想下一篇文章的題材是什麼。現時100%專注本業,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">反而工作的效能及收益更佳,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">可能自己真的不適合做slasher,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">又或者個人的精力確實有限。</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">目前每逢閒餘便自修一下DSE的中文及數學(</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">這兩科我專補是不可能,但求兼顧些少已經很好),然後ig bond與固定收益項目則繼續以被動複式的形式每月跟進,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">反倒令生活上有更多的空間進修與休息,</span><wbr style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;"></wbr><span style="-webkit-text-size-adjust: auto; caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">這對個人成長來說也是好事。</span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjns7m5XlEuFjwlvbJTqZ6LvxOdWqpu6W6GX5mFkQMJQRgYwSTEJ7bP36_7baYfPcloYByHSkcFrd5OBX4AAyensaRh-Fw2jaLI6dxbSdX5rrqju8xyxyF4dRQ3hJ84CzwBtcasszMYJdledAifYazSVURsIqNGSxTlKGHUAt1GFt4TCh5eOTjtYCOk/s1280/1203EAEE-1B0A-4A64-969F-14708109C0CD.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="688" data-original-width="1280" height="172" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjns7m5XlEuFjwlvbJTqZ6LvxOdWqpu6W6GX5mFkQMJQRgYwSTEJ7bP36_7baYfPcloYByHSkcFrd5OBX4AAyensaRh-Fw2jaLI6dxbSdX5rrqju8xyxyF4dRQ3hJ84CzwBtcasszMYJdledAifYazSVURsIqNGSxTlKGHUAt1GFt4TCh5eOTjtYCOk/s320/1203EAEE-1B0A-4A64-969F-14708109C0CD.jpeg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><div data-originalcomputedfontsize="16" data-removefontsize="true" dir="auto" style="border-color: rgb(49, 49, 49); font-size: 1rem;">近期繼續rotate捐款予不同的動保機構,<wbr style="border-color: rgb(49, 49, 49);"></wbr>但每月選的幾個機構,下月便往往忘了之前曾選擇過什麼。為了「<wbr style="border-color: rgb(49, 49, 49);"></wbr>公平」起見,也應做個excel list記錄捐款事項。</div></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><br /></div><div data-originalcomputedfontsize="16" data-removefontsize="true" dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">印象最深刻的,是兩個月前FB見過一個求助帖:<wbr style="border-color: rgb(49, 49, 49);"></wbr>一位名叫阿儀的視障人士向義工求助,<wbr style="border-color: rgb(49, 49, 49);"></wbr>因自己拾獲受傷的流浪貓但經費不足,所以義工便代為墊付醫藥費,<wbr style="border-color: rgb(49, 49, 49);"></wbr>其後再開帖公開募捐。今週作”捐款rotation”<wbr style="border-color: rgb(49, 49, 49);"></wbr>時記起這個case,便短訊詢問義工能否再作捐款。<wbr style="border-color: rgb(49, 49, 49);"></wbr>不過義工的補充是:由於受傷貓咪已經往生,<wbr style="border-color: rgb(49, 49, 49);"></wbr>而現時阿儀新領養的貓咪年紀尚小,所以她希望靠自己的能力照顧,<wbr style="border-color: rgb(49, 49, 49);"></wbr>目前不接受捐款。我謝謝義工的回覆,<wbr style="border-color: rgb(49, 49, 49);"></wbr>並提她阿儀再出募捐帖時可短訊我。</div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><br /></div><div data-originalcomputedfontsize="16" data-removefontsize="true" dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 1rem; word-spacing: 1px;">對一眾動物義工及領養者,我素來是非常欣賞與敬佩的。<wbr style="border-color: rgb(49, 49, 49);"></wbr>而對阿儀則更多了一份讚歎之情,<wbr style="border-color: rgb(49, 49, 49);"></wbr>她沒因個人的身體情況而要求幫助(之前看帖子分享,<wbr style="border-color: rgb(49, 49, 49);"></wbr>她是與另外幾個女仔一起住村屋相依為命),<wbr style="border-color: rgb(49, 49, 49);"></wbr>反而努力靠自己來維持生活及照顧動物。自立的精神,<wbr style="border-color: rgb(49, 49, 49);"></wbr>令人肅然起敬。</div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><br /></div><div dir="auto" style="-webkit-text-size-adjust: auto; border-color: rgb(49, 49, 49); caret-color: rgb(49, 49, 49); color: #313131; font-family: -apple-system, HelveticaNeue; font-size: 16px; word-spacing: 1px;"><div data-originalcomputedfontsize="16" data-removefontsize="true" dir="auto" style="border-color: rgb(0, 0, 0); font-size: 1rem;">今屆DSE其中一條作文題目便是「<wbr style="border-color: rgb(49, 49, 49);"></wbr>原來我們忽略了不少日常生活的美好」,<wbr style="border-color: rgb(49, 49, 49);"></wbr>也感謝義工與阿儀令我體會到香港地人性的美好與溫暖,<wbr style="border-color: rgb(49, 49, 49);"></wbr>明白助己助人便是福氣,謹此祝福他們生活愈來愈充裕及豐盛!</div></div>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com10tag:blogger.com,1999:blog-6967727786832554285.post-69463122997129251652023-04-17T22:33:00.003-07:002023-04-17T22:33:18.394-07:00AI畫圖賺錢<p>我家人最近閒餘時自學AI製圖,題材主要是少女漫畫,歡迎大家follow佢支持一下:😊🙏</p><p><a href="https://www.instagram.com/chantmingn/">https://www.instagram.com/chantmingn/</a></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKANZKmT2UR38V0Q9q6j0fQ792c4qAQLB0Hs63b3ED2XVuCg0P7-aB5opEO-x4UrbZT6P_CHNe4fYIyI6Yr8BPrrJ9YYozNHeD3MgmQ1LKIj2Z1K78RORcRu2HOqJy7l-fp5zElCbz8XrBQcAn9c1YzdbislPgitl6k9dXm2bJ055eJavJn3IdlpSz/s1125/DAF48053-B22E-4C3C-B0D6-C0FAC6B5649A.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1110" data-original-width="1125" height="316" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKANZKmT2UR38V0Q9q6j0fQ792c4qAQLB0Hs63b3ED2XVuCg0P7-aB5opEO-x4UrbZT6P_CHNe4fYIyI6Yr8BPrrJ9YYozNHeD3MgmQ1LKIj2Z1K78RORcRu2HOqJy7l-fp5zElCbz8XrBQcAn9c1YzdbislPgitl6k9dXm2bJ055eJavJn3IdlpSz/s320/DAF48053-B22E-4C3C-B0D6-C0FAC6B5649A.jpeg" width="320" /></a></div><p>現時AI技術高超,用戶只要訂立適合的algorithms,系統便會自動generate一堆相關的圖案。用戶可從中挑選自己喜歡的圖片,對打工一族及自學設計的人來說非常方便。</p><p>但當中所牽涉的版權及創作問題,仍然有灰色的地帶。既然真正的創作者是AI,其衍生的產品(不論是書籍、圖畫還是影片),又應如何釐定它的商業價值?</p><p>如業餘者想利用AI繪圖設計賺錢,可能只可找一些較小眾的市場。而隨着AI技術的普及化,懂得這種設計程式的人會越來越多,那麼賺錢的空間,就可能會越來越少。</p><p>事實上,在賺錢之前,可能被人騙錢的機會更加大!我家人的IG帳戶開通不久,便收到PM說要用幾個以太幣來購買他的圖畫來製作NFT。生意難撈,如果稍有不慎,便會被騙徒利用個人的賺錢之心,來乘機掠水一番!</p><p>如大家有AI繪圖的看法,不介意也請留言與我分享!謝謝:)</p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com4tag:blogger.com,1999:blog-6967727786832554285.post-12095362335382657892023-03-19T22:40:00.003-07:002023-03-19T22:42:31.208-07:00對債券的警醒<p>UBS出賤價收購Credit Suisse,國家的銀行經濟危機算是告一段落,但被write off的160億Tier-one債券,對個人甚至機構投資者卻是極不公平。曾達投資級別的債券,在出事時也是一文不值:</p><p><br /></p><p>https://www.reuters.com/business/finance/credit-suisse-writes-down-17-bln-bonds-zero-angering-holders-2023-03-19/?fbclid=IwAR3UzoiCfmkr0ZcOqxHE43f6woENdyJFhw2ka_lFCy1j-obkAbIIK8w-6XY</p><p><br /></p><p>年初至今我加了六位數的斬債,在分散的行業中,幸好未有金融公司(其實在整個IB portfolio中,債券類別我是一間銀行或金融機構也沒有,優先股則有C.PRN)。主要原因是我在搜尋債券產品的時候,單在IB網頁內已看見不少銀行的CDS。想起08年的金融風暴,再加上自己認識不深,所以不敢入這類行業的債券。</p><p><br /></p><p>不過想深一層:瑞士銀行的問題是否這樣就完,還是會有衍生效應?而我們放在銀行戶口/證券公司內的資產,又是否100%安全?所以不論是放置資金的地方,還是個人投資的產品,分散風險仍然是王道。</p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgV59yMEdG6gzqsxR5MnKGg_SK0PpBFnLus_ajbP7OaN7wZa7ZYMLBU72CaRwciQvhm87VYCbwqIwy4jELtfliwIBCTMuw2rEZtXznpGzaqqRdin9mA0lLEeAKrW9pNrVWlVQJ3I_RGr0YWqtd5t30ErPm16_5LUr1FHLSvrUkJQRtOpDOBHC0tZFOH/s289/5D4CD620-A2DD-4478-AEF2-2B8B454E9705.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="289" data-original-width="174" height="289" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgV59yMEdG6gzqsxR5MnKGg_SK0PpBFnLus_ajbP7OaN7wZa7ZYMLBU72CaRwciQvhm87VYCbwqIwy4jELtfliwIBCTMuw2rEZtXznpGzaqqRdin9mA0lLEeAKrW9pNrVWlVQJ3I_RGr0YWqtd5t30ErPm16_5LUr1FHLSvrUkJQRtOpDOBHC0tZFOH/s1600/5D4CD620-A2DD-4478-AEF2-2B8B454E9705.png" width="174" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><p>我個人的反思是:即使看似最安全的固定收益產品,也不應該過量投資。最近乘車時閱讀《All About Bonds, Bond Mutual Funds, And Bond ETFs》這本書籍,溫故知新了一些yield to maturity、duration之類的算法。但在現實世界中,我更加覺得這些數字是千變萬化,說要變就會變。對債券的警醒,亦同時提醒我要建立更多方面的能力,不能只靠一個範疇幫助自己。</p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com10tag:blogger.com,1999:blog-6967727786832554285.post-79751942550546104312023-02-13T23:45:00.007-08:002023-02-13T23:46:16.992-08:00再入石油債券?近期股市普遍反彈,不過IG bonds價格則有下調現象。對有意加倉固定收益產品的投資者來說,這也是一個好消息。 <div><br /></div><div>早前介紹的”Occidental Petroleum, 6.2% 15mar2040”長債,目前仍穩企在$100之上,個人而言認為加倉的空間不大。假如是更高息的”Pemex, 8.75% 2jun2029”,投資者又是否可以考慮呢? </div><div><br /></div><div>墨西哥的Pemex石油公司早前傳出負面消息,例如較高的流動性風險、截至2024年的巨額債項、急需外部資金補救的負現金流問題等。身為全球負債金額數一數二的石油公司,Pemex亦被Moody’s 威脅調低評級至「垃圾債券」級別。 </div><div><br /></div><div>不過,近期卻傳來新消息。按Fitch Ratings的分享:墨西哥政府2022期間的財政狀況與負債比率尚算健康,這對需要倚賴政府資金的Pemex石油公司來說,絕對是利好消息。而Pemex 新發行的20億美元債券收益,預計可局部舒緩公司快將到期的債券產品與利息支出。 </div><div><br /></div><div>以我watchlist內的”Pemex, 8.75% 2jun2029”為例,今年1月21日的售價為$89.962,今日已回升至$95.550。可見市場反應傾向正面,有政府資金補助的石油能源公司,其護城河往往不亞於一些大型私人企業。 </div><div><br /></div><div>然而,Pemex bond一手也需$10K,比不少斬債的入場價更高。而且中長遠而言,石油行業發展會否受到核融合技術的巨大衝擊,這仍是未知之數。有見及此,石油投資產品仍不宜佔個人資產內太重的佔比。</div>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com4tag:blogger.com,1999:blog-6967727786832554285.post-36712908517973485012023-01-21T03:31:00.004-08:002023-01-21T05:05:21.537-08:00新年投資<div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">今日年三十晚,恭祝大家兔年萬事勝意!財源廣進!身體健康!</span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6Nm_9vw4StpwY3d6rG6u5ihjiiNqyX02u-qNKhYbIpFk0pg9jQckSeW2robmTIpKFER4-1-ciiLkITmwkxgYHaVVSIdqauh0Aky9v1bI6SEVf_Z3zqAwQr5vKAp1qz30ENucggJv2aqboQNmyDHrVO8D6YN4iLGYBZt7xZtGdNMPoC4EO9purYMdb/s4948/unnamed.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3031" data-original-width="4948" height="196" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6Nm_9vw4StpwY3d6rG6u5ihjiiNqyX02u-qNKhYbIpFk0pg9jQckSeW2robmTIpKFER4-1-ciiLkITmwkxgYHaVVSIdqauh0Aky9v1bI6SEVf_Z3zqAwQr5vKAp1qz30ENucggJv2aqboQNmyDHrVO8D6YN4iLGYBZt7xZtGdNMPoC4EO9purYMdb/s320/unnamed.jpg" width="320" /></a></div></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">學生們在兩三天前考完全科,所以我今日有空看看投資產品。<wbr></wbr>網上搜尋中,無意看到這個網站:</span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="color: #1155cc; font-family: georgia; font-size: medium;"><a href="https://www.morningstar.com/articles/1131191/morningstars-best-and-worst-performing-stocks-2022">https://www.morningstar.com/<wbr></wbr>articles/1131191/morningstars-<wbr></wbr>best-and-worst-performing-<wbr></wbr>stocks-2022</a></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">去年表現最佳的十隻股票,大部分為石油、<wbr></wbr>天然氣企業及相關的能源設備運輸公司。<wbr></wbr>誰會想到三年前跌至負數的石油,<wbr></wbr>在俄烏戰爭下會成為炙手可熱的投資產品?</span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">但是回報高的產品不會年年重覆,尤其價格飆升最急的股票,<wbr></wbr>往往不是net worth最多的「大笨象」企業。所以上述網頁提及的急升股,<wbr></wbr>我一般不會入貨。能源個股主要持有”OXY”便可,<wbr></wbr>反而表內某些老牌公司的債券產品,大家是可以留意一下。</span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">雖然2023年初港美市均高開,但市場普遍仍持審慎的情緒。<wbr></wbr>尤其美國就業市場今月以來已裁掉約二萬四千名的科技界從業員(<wbr></wbr>根據Layoffs.fyi數據),<wbr></wbr>相信市民今年的意向也大多以保守及節儉為主。<wbr></wbr>Entertainment/Subscription/<wbr></wbr>Membership等支出一般最容易省掉,<wbr></wbr>而Insurance/Education/Medical Fees等項目則較少家庭節省。無獨有偶,<wbr></wbr>上述網頁內的其中一隻急升股,便是教育企業股”TAL”(TAL Education Group)。 從recession-proof的角度出發,<wbr></wbr>我們挑算行業板塊的債券也多了一些選擇。</span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">不論是投資級別的債券,還是相對穩定的公司斬債,<wbr></wbr>也是不明市況下散戶的好幫手。雖然不論20年期間、<wbr></wbr>50年期間與100 年期間,US active stocks的表現也是優於債券及其他投資產品。<wbr></wbr>但將timeframe縮窄至2至5年期內的話,<wbr></wbr>債券在衰退時期的表現便更為亮麗。遇上加息周期及通脹飆升時,<wbr></wbr>中短期債券類別(包括T-Bills及現金產品)<wbr></wbr>的回報則較長期債券更出色。</span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">不過,儘管債券有其優點,我個人仍不建議全倉入貨。<wbr></wbr>分佈一些流動資金至美金、股票、黃金、<wbr></wbr>其他定息產品及銀行定期等成員,絕對有分散投資的穩定性作用。<wbr></wbr>個人而言,我去年十月已賣掉所有tsla個股(原因不作重述,<wbr></wbr>但當時有在網頁公佈)。雖然這不算高的價位,<wbr></wbr>但幸好套現了一筆資金及賺取利潤。全資再入債券的話,<wbr></wbr>倉位內的債券比例便會過重。<wbr></wbr>所以我選擇取出資金並開設銀行定期戶口,而每月的平均利息,<wbr></wbr>則捐于慈善機構。今年再購入新債券的話,<wbr></wbr>我會選擇利用新的現金流收入。</span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;"><br /></span></div><div dir="auto" style="background-color: white; color: #222222;"><span style="font-family: georgia; font-size: medium;">2023年相信是危中帶機的投資年份,希望大家繼續持盈保泰!<wbr></wbr>經歷過動盪的2022年,維持生活、健康、<wbr></wbr>工作與家庭之間的平衡是最重要的。最後謹祝願烏克蘭早日戰勝!<wbr></wbr>和平的地球村,才能為下一代的成長提供最佳的土壤。</span></div>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com7tag:blogger.com,1999:blog-6967727786832554285.post-30699838997457984622022-11-28T05:25:00.002-08:002022-11-28T05:25:08.634-08:00經濟不景?女性財政壓力創5年新高。<p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">面對經濟寒冬,不論男士女士也需積極應對:</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><span style="font-family: georgia; font-size: medium;"><a href="https://stockviva.com/post/wPRM">https://stockviva.com/post/wPRM</a></span></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgMIDJo7Gqd4OtR59zdpRuFo31KOvmifaeP7kicX3i70JU4jL-Wd0PdyVzXCfXEJAUaxx_MsdYvAOYZNqnyjfVJSzDKrz6s0jwHmEDHsaPJNM1psraJsbQrbk-b4_cIrJx2s8Zcemaztjso6LaBm_i5ykMcyud7uWiiuhOmydVJfo66hUU_QtyAwBZ/s386/sd.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="386" height="232" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgMIDJo7Gqd4OtR59zdpRuFo31KOvmifaeP7kicX3i70JU4jL-Wd0PdyVzXCfXEJAUaxx_MsdYvAOYZNqnyjfVJSzDKrz6s0jwHmEDHsaPJNM1psraJsbQrbk-b4_cIrJx2s8Zcemaztjso6LaBm_i5ykMcyud7uWiiuhOmydVJfo66hUU_QtyAwBZ/s320/sd.jpeg" width="320" /></a></div><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">盈透證券開戶優惠:<a href="https://bit.ly/3rS2KBW">https://bit.ly/3rS2KBW</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s4" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com10tag:blogger.com,1999:blog-6967727786832554285.post-85305102079871926562022-11-24T02:38:00.002-08:002022-11-24T02:38:17.187-08:00傳統能源走強?介紹石油公司高息債券。<p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">近日中電及煤氣一同加價,大家不妨考慮用傳統能源斬債來對沖生活成本:</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><span style="font-family: georgia; font-size: medium;"><a href="https://stockviva.com/post/D14A">https://stockviva.com/post/D14A</a></span></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_UdsZ8qYCY5DgEeyLbfntLiMtJeZvUgj6UUZEnkC5d0yrI-596XgiO22vPDlFbPosxalI0a25-QO2rxyX7WqAMkBNx9H42CDiSuio7BPa3N4SPwkfmhfgUBW-gfJDOnHuTxZNuPvHMvuBXTngeZx9GCmNHWYBCua3nbIJfkOPiON_ZtPNeoEpHCOJ/s498/xcz.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="498" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_UdsZ8qYCY5DgEeyLbfntLiMtJeZvUgj6UUZEnkC5d0yrI-596XgiO22vPDlFbPosxalI0a25-QO2rxyX7WqAMkBNx9H42CDiSuio7BPa3N4SPwkfmhfgUBW-gfJDOnHuTxZNuPvHMvuBXTngeZx9GCmNHWYBCua3nbIJfkOPiON_ZtPNeoEpHCOJ/s320/xcz.jpeg" width="320" /></a></div><p></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">盈透證券開戶優惠:<a href="https://bit.ly/3rS2KBW">https://bit.ly/3rS2KBW</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s4" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-43388375325910292072022-11-21T04:46:00.002-08:002022-11-21T04:46:26.422-08:00零售業自救:英國提早過聖誕?<p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">不論世界各地,<span class="s1"><span style="color: black;">今個聖誕</span></span>大家也要省錢:</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="text-decoration-line: underline;"><a href="https://stockviva.com/post/OaW0?fbclid=IwAR2JxtrEusG1WEb9dkMwfVC6DStr7NJbAusFEwyKL_eMZ9uV9oX6ekXWDa8"><span style="font-family: georgia; font-size: medium;">https://stockviva.com/post/OaW0</span></a></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguUs8fDsV9S2WDrQIlVZ4aUS1xCfPDXGWaFAgxb3uDbOat986j7OjQcwRzTv4Ksnf8EwRrCdoiQo-X6En1fcdQ92O374t0XCiE3T2SfcxftsZ1Wr2EzNFM1s7htRVnp-3ihVmUCI8zRvY50aao0BI6F2ObcBi53kN5ATLWaBBlGxwuKQ44MPRgejgp/s498/ffs.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="498" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguUs8fDsV9S2WDrQIlVZ4aUS1xCfPDXGWaFAgxb3uDbOat986j7OjQcwRzTv4Ksnf8EwRrCdoiQo-X6En1fcdQ92O374t0XCiE3T2SfcxftsZ1Wr2EzNFM1s7htRVnp-3ihVmUCI8zRvY50aao0BI6F2ObcBi53kN5ATLWaBBlGxwuKQ44MPRgejgp/s320/ffs.jpeg" width="320" /></a></div><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s3" style="color: black;"><span style="font-family: georgia; font-size: medium;">盈透證券開戶優惠:<a href="https://bit.ly/3rS2KBW">https://bit.ly/3rS2KBW</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s3" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s4" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s4" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s4" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s4" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s5" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com4tag:blogger.com,1999:blog-6967727786832554285.post-4279007502928400802022-11-17T08:56:00.004-08:002022-11-17T08:56:24.552-08:00「裁員廣進」? 2022 VS 2000 科網裁員潮。<div><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">科技界的寒冬,有可能蔓延至其他行業:</span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><a href="https://stockviva.com/post/4qdz">https://stockviva.com/post/4qdz</a></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjN_w06QdXOqWzm3aKQN8MAYVrRg7HVhnklLV-sxsGPSqzMmtmVMpR-4MIlhcZrDCkRADCbSbV91ZiGmn8u81KTEmXwxzTyxIFf9i9MSJCuZsJBeHI2_-VIHdlwAA5FZ2ISMRSnV99ZclAwal9qsLxIohuZcxPGuPx6HGHoKfFx171dPApDZHtEq1vM/s498/sad.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="498" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjN_w06QdXOqWzm3aKQN8MAYVrRg7HVhnklLV-sxsGPSqzMmtmVMpR-4MIlhcZrDCkRADCbSbV91ZiGmn8u81KTEmXwxzTyxIFf9i9MSJCuZsJBeHI2_-VIHdlwAA5FZ2ISMRSnV99ZclAwal9qsLxIohuZcxPGuPx6HGHoKfFx171dPApDZHtEq1vM/s320/sad.jpeg" width="320" /></a></div><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="color: black;"><span style="font-family: georgia; font-size: medium;">盈透證券開戶優惠:<a href="https://bit.ly/3rS2KBW">https://bit.ly/3rS2KBW</a></span></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p></div>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com2tag:blogger.com,1999:blog-6967727786832554285.post-57823672400837168512022-11-14T07:56:00.001-08:002022-11-14T07:56:29.724-08:00將被刪除的優先股?<p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">不需付withholding tax的優先股,將會受到針對?</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><span style="font-family: georgia; font-size: medium;"><a href="https://stockviva.com/post/rPDz">https://stockviva.com/post/rPDz</a></span></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQzTvs6DIDakKeIzCiCQSEjIumc0bPQH_w2cNenMh5D7HSKGQ3FFq347Y-dQvxwufyrzjW4pCX6qncOks0Aex9yLtGbn-W8kAPPYmp1WgFTPpVAPbhT6uxDAaJe33qo2JDq9uxw_rYHzcJf2mVkWgykIHzylbNbduU44nRJ4GJhE7tzUOaAblf5-6E/s373/dgsg.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="373" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQzTvs6DIDakKeIzCiCQSEjIumc0bPQH_w2cNenMh5D7HSKGQ3FFq347Y-dQvxwufyrzjW4pCX6qncOks0Aex9yLtGbn-W8kAPPYmp1WgFTPpVAPbhT6uxDAaJe33qo2JDq9uxw_rYHzcJf2mVkWgykIHzylbNbduU44nRJ4GJhE7tzUOaAblf5-6E/s320/dgsg.jpeg" width="320" /></a></div><p></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">盈透證券開戶優惠:<a href="https://bit.ly/3rS2KBW">https://bit.ly/3rS2KBW</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s4" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com8tag:blogger.com,1999:blog-6967727786832554285.post-63830987946060700712022-11-10T07:32:00.002-08:002022-11-10T07:32:11.422-08:00逆市有咩撰?介紹電訊公司高息債。<p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">$1K入金的電訊企業高息債,將繼續是大眾投資者分散的好對象:</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><span style="font-family: georgia; font-size: medium;"><a href="https://stockviva.com/post/bzr3">https://stockviva.com/post/bzr3</a></span></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY8CVV6LplTbRLijtbh890Eg4a8C3LikNg9fSAzsATkUBgqEJbRXOEdzQwwzhgNR-B1xGcPtNgmr1xEdZbbs0y__VzUEvr8NAXOW5BKGtrRjvBbaDTwrwQVMvFq2wPJ_ytxNK_ACeJYovu099cRd3yjX9xae9nRyu--btiLlDUpQZ5WX60oLhHIZEA/s509/sd.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="509" height="176" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY8CVV6LplTbRLijtbh890Eg4a8C3LikNg9fSAzsATkUBgqEJbRXOEdzQwwzhgNR-B1xGcPtNgmr1xEdZbbs0y__VzUEvr8NAXOW5BKGtrRjvBbaDTwrwQVMvFq2wPJ_ytxNK_ACeJYovu099cRd3yjX9xae9nRyu--btiLlDUpQZ5WX60oLhHIZEA/s320/sd.jpeg" width="320" /></a></div><br /><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: large;">盈透證券開戶優惠:</span><a href="https://bit.ly/3rS2KBW" style="font-family: georgia; font-size: large;">https://bit.ly/3rS2KBW</a></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s4" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com0tag:blogger.com,1999:blog-6967727786832554285.post-2427142386141611162022-11-07T09:19:00.006-08:002022-11-07T09:19:39.033-08:00歐洲新趨勢:重返Office慳電費?<p><span style="font-family: georgia; font-size: medium;">在家工作後,每月的能源費可增加至…</span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><span style="font-family: georgia; font-size: medium;"><a href="https://stockviva.com/post/MpPA">https://stockviva.com/post/MpPA</a></span></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXIaWOOG1QD2zvVcv-1rPNZaJ40ova72fJkarSsXRSuEPOlvAvtEaVuNtVRjmCn9AE3idt0LTvQADdSBEYvqTcaK_Lfd7fqYlZuLC2NsjK6Rqy3yqsx19RKGEOPrbrxjuH7CG1n1DemAxhf6W4v-AxVpbYl9Gg-W2IaOERrgX0fpK5I3C2AHe6KEeZ/s497/de.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="497" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXIaWOOG1QD2zvVcv-1rPNZaJ40ova72fJkarSsXRSuEPOlvAvtEaVuNtVRjmCn9AE3idt0LTvQADdSBEYvqTcaK_Lfd7fqYlZuLC2NsjK6Rqy3yqsx19RKGEOPrbrxjuH7CG1n1DemAxhf6W4v-AxVpbYl9Gg-W2IaOERrgX0fpK5I3C2AHe6KEeZ/s320/de.jpeg" width="320" /></a></div><p></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><i></i><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">盈透證券開戶優惠:<a href="https://bit.ly/3rS2KBW">https://bit.ly/3rS2KBW</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s4" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com6tag:blogger.com,1999:blog-6967727786832554285.post-51255770374684168452022-11-03T09:33:00.004-07:002022-11-03T09:33:46.342-07:00高息能源斬債:繼續尋找機會?<p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">美市回暖,業績好的公司斬債可再度考慮?</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><span style="font-family: georgia; font-size: medium;"><a href="https://stockviva.com/post/D15l">https://stockviva.com/post/D15l</a></span></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s1" style="text-decoration-line: underline;"><br /></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivLAUs7-blUYVIlkGUWC17KLJ3Td07nsvVNuwuXJk2WzfFDKrUP0FHwuWfldLI0U0Y3Lvi8BnmAtZRweVRnhN2jBmlvJhR5sWmci8anrOts4pi0JPkgZqwcoThgV4y9JVssefRky_yWH6njbrxdxRsF5j57IQzC7k4mMJCx-I5AYHsimqLaTNxGuEN/s437/rgeger.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="437" height="205" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivLAUs7-blUYVIlkGUWC17KLJ3Td07nsvVNuwuXJk2WzfFDKrUP0FHwuWfldLI0U0Y3Lvi8BnmAtZRweVRnhN2jBmlvJhR5sWmci8anrOts4pi0JPkgZqwcoThgV4y9JVssefRky_yWH6njbrxdxRsF5j57IQzC7k4mMJCx-I5AYHsimqLaTNxGuEN/s320/rgeger.jpeg" width="320" /></a></div><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">盈透證券開戶優惠:<a href="https://bit.ly/3rS2KBW">https://bit.ly/3rS2KBW</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span class="s2" style="color: black;"><span style="font-family: georgia; font-size: medium;">我的Facebook Page:<span class="Apple-converted-space"> </span><a href="https://bit.ly/32ka7pE">https://bit.ly/32ka7pE</a></span></span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">我的</span>WhatsApp group <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">入谷方法</span>: <span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">可將今月</span>$50-200<span class="s3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">的捐款收據,電郵至<a href="mailto:cherry.neverland@gmail.com"><span class="s4" style="color: #dca10d; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">cherry.neverland@gmail.com</span></a></span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com2tag:blogger.com,1999:blog-6967727786832554285.post-45892165346907429132022-11-01T09:10:00.001-07:002022-11-01T09:10:29.923-07:00寫在8號風球之前<p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">驟眼看~香港明天6am後掛八號的機率也高,所以我的工作應可暫休一下。由於今年有數名學生升讀中一補全科,所以我的補習時數遞增。不過外圍經濟不景氣,我個人也prefer多接工作。始終生活忙碌些,個人也少些空間胡思亂想。</span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjoIa1UmlUpqax1qQ9jNQOOXB2Tj6oG6oDoet1qOB-JEWpN9nYQF06N6yzCrShF6PJRQuN3JYZ0ey9QL5g5G550tepzOmlxzG7wk6bo0xuhuj72U63KrfA13syb-FX88l3gLZBnwbUBJPz8ZsoewTAcbd9BptU5n_7mk3y4LdYaKwppatDBToClEd7/s340/erttr.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="280" data-original-width="340" height="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjoIa1UmlUpqax1qQ9jNQOOXB2Tj6oG6oDoet1qOB-JEWpN9nYQF06N6yzCrShF6PJRQuN3JYZ0ey9QL5g5G550tepzOmlxzG7wk6bo0xuhuj72U63KrfA13syb-FX88l3gLZBnwbUBJPz8ZsoewTAcbd9BptU5n_7mk3y4LdYaKwppatDBToClEd7/s320/erttr.jpeg" width="320" /></a></div><p></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">最近與朋友聊起:除了本業外,建立一門second skill也非常重要。我早前修了healthcare的相關課程,現在除了繼續上網進修外,也想找相關的機構做義工。我身邊有友人在殘疾人士的機構做了5-6年義工,這是很好的體驗,非常值得借鑒與學習。</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">生活方面,我暫時要求自己每天在家中做15分鐘+腳踏機。工作忙了,便更需保持體能。另外近日也多了捐款給不同的機構,海外便有救助烏克蘭受害動物的NGO。戰爭令不少毛孩被遺棄或受傷,實在慘情。但唯一欣慰的是機構有來自不同國家的捐款,尤其是歐洲。而本港的機構中,我則選些派飯、提供兒童食宿照顧、收留棄養動物的慈善機構等,因他們很多也是經濟衰退及移民潮下的受害者。雖然我只有綿力,但也希望用這個小小的平台,呼籲大家工作及財政正常的話,不妨多幫助些有需要的團體。在眾多捐款範疇中,應總有一兩個是觸動你心靈的。</span></p><p class="p2" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; min-height: 15px;"><span style="font-family: georgia; font-size: medium;"><br /></span></p><p class="p3" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px;"><span style="font-family: georgia; font-size: medium;">我也明白現在是艱難的時刻,而且大家普遍也缺乏安全感。但如其虛度日子或覺得「灰」,選擇裝備自己及保持積極,應是面對逆境的最佳方法。我們都共勉之呢<span class="s1" style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">:)</span></span></p>Cherryhttp://www.blogger.com/profile/03659033270799186631noreply@blogger.com6