tag:blogger.com,1999:blog-37418472251821819662024-03-29T19:03:24.582+08:00芝蛋治 - 學習財自之路人到中年,發現自己好似一隻工蜂咁,只會工作;呢一刻,我要HEA出人生芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.comBlogger141125tag:blogger.com,1999:blog-3741847225182181966.post-72186190590663788082024-03-26T17:28:00.023+08:002024-03-26T19:45:28.716+08:00投資BB班<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">昨晚,芝蛋治的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Wha</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">ts</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">A</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">pp</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">不停響,原來舊同事</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">E</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">在「求救」。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">E發現在IB結餘是負美元、正港元,她呱喇呱喇地問芝蛋治,她是否欠了IB美元?細問下,她在IB戶口存入了港元後,便買入美股、美債,但,她完全沒有將港元兌換美元</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;芝蛋治</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">回她</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:妳</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">借了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">IB美元,是要付IB美元孖展利息,大約6.8%。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">E剎那崩潰,她以為IB會自動幫她兌換美元,這一、兩個月,她買進了不少美元資產,要付好幾百美元的利息。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">以芝蛋治角度來看,</span>E的想法確有點奇怪。外滙兌換已是一種買賣交易,沒有指令,IB哪會「自動自覺」幫她沽港元入美元呢?不過,上網一看,原來這是常見的Q&A,不少「投資者」都踏進了同一「陷阱」。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">E是個急性子的人,開了一個投資戶口,便「</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">衝、衝、衝,要搶攻」,生怕錯過了投資的良機。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">趁</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">E「虧了」相等幾千元港幣的孖展利息,赤到入脾隙之時,芝蛋治</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">便勸勸她,投資不要太急進,多看些投資文章/書籍,了解不同投資工具的特色</span>⋯⋯加強底氣,否則,很容易被人「坤」。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">以前,芝蛋治就是底氣不足,虧了不少(當然,現時的芝蛋治也不是什麼投資達人,只不過經一事,長一智而已)。</span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com2tag:blogger.com,1999:blog-3741847225182181966.post-29329930301161308602024-03-13T16:45:00.001+08:002024-03-13T16:45:29.724+08:00財自「俾鬼砸」症候群<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">最近,蛋牛治悶悶不樂</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">他看中了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">NIKON新型號相機,加上鏡頭及</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">accessories</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,應該花上兩、三萬元</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">銀根方面,當然不是問題,蛋牛治自覺人到半百,難得的興趣,這些錢是值得花的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">但,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">他又有點忐忑,花錢玩樂,總是帶著罪疚感。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">蛋牛治常說他以財務自由為目標,芝蛋治便笑他患上財自「俾</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">鬼砸」症候群,點解?</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">俾</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">鬼砸是在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">睡醒時,發覺動彈不得,明明十分清醒但卻無法挪動身體,心想</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">「死喇!俾</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">鬼砸」;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">之後,經一輪的掙扎及不斷的祈禱,終於趕走了那「污糟嘢」。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">蛋牛治工作了半生,覺醒自己應該花花錢,享受金錢帶來的快樂</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">奈何從小被教育,應慳得慳、節儉是美德、小富由儉⋯⋯等至理明言,可說「窮根深種」。在買與不買相機之間,不停地來回地獄及人間,這精神狀態似不似「被鬼砸」?自覺「清醒」,但不能自主行動,還被傳統的觀念恐嚇,要不停掙脫。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">財務自由的生活,先</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">要拔走「人不窮、心窮」的思想,真的要做多點心靈功課。財自不是代表要窮過活或過度消費</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,反而是因財政上的取得自主權,可以專注喜愛的事情或工作</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">而不會因為洗多咗、賺少咗而心有戚戚然。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">我們這些年紀的人,是嚐嚐辛勞成果的時候,絕不要將享受變成受罰。</span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com7tag:blogger.com,1999:blog-3741847225182181966.post-54480794361436155332024-03-08T17:10:00.003+08:002024-03-08T17:10:56.552+08:00又入債券<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">整理了這兩個月的投資標,除了上文寫過入了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">TPR</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Nov</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 2026</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的公司債券外,在一月份,還入了兩隻短年期的美國公用公司債券。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1. </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> AT&T (</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">美國最大的電信服務商)</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;"> T</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;"> 5.539% 20/2/2026</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">,買入價為</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">99.9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">,到期孳息率</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">5.43%</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2. Edison Int’l (</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">美國加州的電力供應商,全美最大電力設施公司)</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;"> EIX</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;"> 5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">25</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;"> 15</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">/</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">11</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">/</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">28</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">,入價是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">99</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">15</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">到期孳息率</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">5.4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">2</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;">%</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-indent: 21pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">孳息率</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">都不到,看似不太吸引。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治倉中有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">批短期國債到期,釋放了資金,便入了這兩隻</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">BBB級別的公司債券,比同年期的國債,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">孳息率高</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> - 1.5%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">早兩年,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治配置的債券大多數屬非投資級別,好聽叫</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">high-yield bond</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,難聽點叫</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">junk bond,便知是風險較高的投資標。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">由去年開始,美國息率高企,水漲船高,投資級別債券息率的吸引度亦有所提高。當資金回籠,芝蛋治便投入投資級別的債券,增加整個</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">portfolio</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的安全性。現時的債券組合,剛是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">50</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> high-yield + 50% investment grade</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,孳息率約</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治的投資目標是:好好食飯,好好睡覺,好好生活。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">題外話,芝蛋治倉中的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">TSM上漲了不少,IB中的股票組合終於是正數了!</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><i style="text-align: left;">#文章只屬個人分享,不構成買賣建議</i><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com1tag:blogger.com,1999:blog-3741847225182181966.post-38647182628492880622024-03-01T15:13:00.001+08:002024-03-01T16:11:46.439+08:00生活中的投資靈感<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNdycjHYVHN0v0VLqyv-s1AvQVk5vN8zd76g8osF380jInZh8TcI-Ts0mfMCtcTlfG1vZ_6tnjYoHbpbB-Xp4dZwa8rBmbzWqYJxN73azOMa0V2eWMMsyvIk3RYjMeiMo4kb1DYbmd5NbNTC4-57-q5k4MJOZFV8GHmlBRc6ljHBQM2plpq0i2_mGA9Ck/s606/coach.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="319" data-original-width="606" height="336" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNdycjHYVHN0v0VLqyv-s1AvQVk5vN8zd76g8osF380jInZh8TcI-Ts0mfMCtcTlfG1vZ_6tnjYoHbpbB-Xp4dZwa8rBmbzWqYJxN73azOMa0V2eWMMsyvIk3RYjMeiMo4kb1DYbmd5NbNTC4-57-q5k4MJOZFV8GHmlBRc6ljHBQM2plpq0i2_mGA9Ck/w640-h336/coach.jpeg" width="640" /></a></div><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p>差不多兩個月,沒有寫過</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">blog</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,芝蛋治每日都好像很忙,但不知自己做了什麽,可說是無事忙。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">這兩個月的投資注碼,通常都是加注持有的債券,但也有進了些新債券及ETD,芝蛋治先分享一檔債券。</span><p></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">找投資標真是有點難,但在日常生活中,也可以找到一點小靈感。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">上月,芝蛋治入了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Tapestry Inc (TPR)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的債券 </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">-TPR 7% Nov 27 2026</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,現價</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">102</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">72</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">YTM約</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%。點解芝蛋治入了這投資標?</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">話說有一日,芝蛋治在聽某</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">youtuber</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">滙報上一晚美股</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">TPR業績不錯,股價躍升。芝蛋治心血來潮,在網上查查該公司,原來TPR擁有兩大美國品牌</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> - </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">COACH及Kate</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Spade</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;是女人都懂的「包包」名牌,在中、港、台、日都十分流行</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">COACH不至於神壇級品牌,但勝在價格及款式的定位,時尚及得體,適合小資女及上班族日常使用。只要在街上走走,一定發現不少人也孭著COACH的包包(包括男生)。提一提Kate Spade,此品牌設計玩味較重,十分過癮,較合適年輕女性。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">芝蛋治再看</span>TPR的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2023</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">財務報表</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">cash $726M</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">current debt $25M</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2025-26 debt $353M</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">net sale $6661M</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">net income $936M</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">現金及現金流強勁(老生常談:女人錢最易賺)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治不懂該股價會不會繼續步步高陞,但債券應該安全得「不得了」,不費神,坐著穩收</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: Calibri; font-size: 14px; text-align: left;">#文章只屬個人分享,不構成買賣建議</i><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-84086061881035158952024-01-05T11:45:00.007+08:002024-01-05T11:46:43.959+08:00投資年結 - 2023年<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">整個</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2023</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年,對芝蛋治來說,算是無風無浪,安穩地收息。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">當中,也有「驚心動魄的情境」,最有印象是年中新世界發展傳不穩,有關的公司債券應聲下挫,蛋牛治手上有一支新世界的債券,這一刻,確實有點「心亂」。但看其資產,要倒下,也不會是兩、三年內的事情,加上背後鄭氏家族撐著,不易倒下</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;新世界提出出售新創建給周大福,算一算相關資金可應付兩年的財務狀況,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">事情又過去了。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">去年,芝蛋治及蛋牛治的投資的總回報是+</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">11</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,加上銀行的定存利息,總計的被動收入足夠應付家庭支出及旅遊玩樂的使費(芝蛋治一家兩口,開支不多)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">蛋牛治每日辛勞工作的主動收入,可整份儲起來,期望他能盡快取回生活的主動權,可選擇繼續工作或「唔撈」。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">23</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年第三及第四季買入了幾支投資級別的公司債券,給今年的基本收入打了底</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">不過,亦有好幾支,早兩年買入的高收益債券提早贖回,相信在美息回落的期望下,公司債券提早贖回的操作陸續有來。雖說芝蛋治奉行佛系投資,但也跟修行者一樣,早晚都要做「功課」,只是可以靜靜研究,不須每分每秒盯著巿場作買賣決定。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">最後一次,滙報</span>23</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">年</span>12</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月的利息收入:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p align="justify" class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt; text-align: justify; text-indent: 0pt;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">CEF/SSF : HK$1,2</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">54</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;"><o:p></o:p></span></p><p align="justify" class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt; text-align: justify; text-indent: 0pt;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;"><span style="font-family: Arial Unicode MS;">債券:</span>HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">52</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">985</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;"><o:p></o:p></span></p><p align="justify" class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt; text-align: justify; text-indent: 0pt;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;"><span style="font-family: Arial Unicode MS;">定存:</span>HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">821</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;"><o:p></o:p></span></p><p align="justify" class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt; text-align: justify; text-indent: 0pt;"><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">股票</span></u><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;"><span style="font-family: Arial Unicode MS;">:</span>HK$</span></u><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">2</span></u><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">,1</span></u><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">61</span></u><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;">.00</span></u><span style="font-family: "Arial Unicode MS"; font-size: 12pt; letter-spacing: 0pt;"><o:p></o:p></span></p><p align="justify" class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt; text-align: justify; text-indent: 0pt;"><b><span face=""Ȫrial Unicode MS\""" style="font-size: 12pt; letter-spacing: 0pt;">Total:HK$</span></b><b><span face=""Ȫrial Unicode MS\""" style="font-size: 12pt; letter-spacing: 0pt;">65</span></b><b><span face=""Ȫrial Unicode MS\""" style="font-size: 12pt; letter-spacing: 0pt;">,</span></b><b><span face=""Ȫrial Unicode MS\""" style="font-size: 12pt; letter-spacing: 0pt;">221</span></b><b><span face=""Ȫrial Unicode MS\""" style="font-size: 12pt; letter-spacing: 0pt;">.00</span></b><span style="font-size: 10.5pt; letter-spacing: 0pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">巿場聲音仍在討論,美國經濟軟著陸、還是硬著陸?杜指會唔會過</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">萬?還是迎來經濟衰退?這是只有神才知道劇本,地球人根本不懂預測。芝蛋治會關切巿場變化,但不會過度追蹤,以免影響情緒及生活。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">今年,芝蛋治</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">仍是著重現金流的投資;注意</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">風險管理(因經歷過,才能「真正」懂其重要</span>⋯⋯)。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: Calibri; font-size: 14px; text-align: left;">#文章只屬個人分享,不構成買賣建議</i><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-49689256376245365872023-12-15T17:08:00.007+08:002023-12-15T17:09:19.960+08:00債券投資的「激安」期已過!?<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">美國聯儲局保持息率在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5.25%-5.5%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">不變,加上放鴿,國庫債券及投資級別(</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">IG)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">債券的債價應聲而上。芝蛋治由</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月至</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">12</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月初收集的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">IG債券,不計應收利息,債價急升了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%。IB的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">portfolio</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">突然變得好「靚仔」,年度收益馬上超過</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%;但,亦表示債券的「激安」期已過。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">雖然,大減價結束了,在巿場上,仍可以繼續尋寶,不少的</span>IG債券還有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">-6</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,早兩三年,有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">、</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">厘的孳息率,一定是垃圾級別的債券,伴隨相當程度的風險。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治本著瞓得著、吃得下</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">仍然想趁這時段,配置多點的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">IG級別的債券。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">另外,芝蛋治有一隻英國公司債券到期,倉中有點英鎊,打算先安置在明年</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月到期的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">英國國債</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">(</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">GB</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">中,收</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%利息,繼續錢生錢。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: Calibri; font-size: 14px; text-align: left;">#文章只屬個人分享,不構成買賣建議</i><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com2tag:blogger.com,1999:blog-3741847225182181966.post-65459529875616768602023-12-11T16:15:00.002+08:002023-12-11T16:24:12.092+08:00東京、箱根 - 第三章(美食篇 - 初花蕎麥麵)<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">又回到遊記。「食」對芝蛋治來說是旅遊的重要部份,未必要極上的拖羅、貴價的和牛,或一位難求的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">omakase</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。在旅程,芝蛋治期望</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">吃到不只是味道,更是當地文化。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="color: #2b00fe; font-size: medium;"><span style="font-family: "Arial Unicode MS";">箱根</span><span style="font-family: "Arial Unicode MS";"> - </span><span style="font-family: "Arial Unicode MS";">初花蕎麥麵・本店</span></span><b style="font-size: 10.5pt;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Calibri; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="color: #2b00fe; font-size: medium;"><span style="font-family: "Arial Unicode MS";"><br /></span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJn4LRComcC3l6kBTzxuT54Z69reSqZraSfnwAHvb4fqpuGxooxb9IkcSjTlaLl0KXXiVOH6V1yYk-7_M1Hy1fTorSvvio31zcPSh3vcd8uWqAO171fWavAYpJ0EOCsr7IqTlEVKEvGDpUZ4e1-WJGqhUYjWwA60bGmmS0G_kfGGZyP5A5Tma1y_ALYJY/s3642/IMG_0957.jpeg" style="clear: left; float: left; font-family: "Arial Unicode MS"; font-size: 16px; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="2732" data-original-width="3642" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJn4LRComcC3l6kBTzxuT54Z69reSqZraSfnwAHvb4fqpuGxooxb9IkcSjTlaLl0KXXiVOH6V1yYk-7_M1Hy1fTorSvvio31zcPSh3vcd8uWqAO171fWavAYpJ0EOCsr7IqTlEVKEvGDpUZ4e1-WJGqhUYjWwA60bGmmS0G_kfGGZyP5A5Tma1y_ALYJY/w400-h300/IMG_0957.jpeg" width="400" /></a></div><p class="MsoNormal" style="font-family: Calibri; margin: 0pt 0pt 0.0001pt; text-align: justify;"></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">由箱根回新宿,在箱根湯本駅附近逛了一圈。下午兩點,還未吃午飯,經過了一間外表精緻古樸的蕎麥麵店,便進去醫一醫肚子。芝蛋治點了天婦羅蕎麥麵(哈哈,點最貴的),</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">夾著麵條沾上湯汁,嚐到淡淡的蕎麥香氣,麵質爽爽的,好吃。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggbkvPM7uihIQZPUzS2AFdYMfqmFv4nxvto88tYp94b0yUiZDQhZ0dsW4ThDCgwPwb4NyNjHF_42Lw-vYUkg8c86Obet9EEH0B0ZtLarzldKXQw5ictmr4U6l2LexdCqMhwLxxQwhESjZdhOPJqVznze9KbW8HRbBRZW_augFDkqe2P-XtgjcyZn7NZWg/s3307/IMG_0960.jpeg" style="clear: left; float: left; font-family: "Arial Unicode MS"; font-size: 16px; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="2480" data-original-width="3307" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggbkvPM7uihIQZPUzS2AFdYMfqmFv4nxvto88tYp94b0yUiZDQhZ0dsW4ThDCgwPwb4NyNjHF_42Lw-vYUkg8c86Obet9EEH0B0ZtLarzldKXQw5ictmr4U6l2LexdCqMhwLxxQwhESjZdhOPJqVznze9KbW8HRbBRZW_augFDkqe2P-XtgjcyZn7NZWg/w400-h300/IMG_0960.jpeg" width="400" /></a></div><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">蛋牛治不愛吃冷麵,點了雞肉蕎麥麵,芝蛋治總覺蕎麥麵熱食是怪怪的,當店面婆婆端上熱呼呼的湯麵,嚐了一啖熱湯,一口熱麵,湯底鮮甜,麵條維持爽脆,雞肉鮮嫩,從沒吃過如此好味的蕎麥麵,簡直衝擊味蕾!埋單</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2700</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">日元,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">雞肉蕎麥麵只是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1000</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">日元,簡單一碗麵,好比珍饈百味。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgg__w5JejQEF0_8HHwCqa79y2_2Pc31Up0ZHtCPqSyNMv4M3IrHGVSU5Flpc1O-9FNuqg3bC68TLE5BaYfwfHAjTp59lslA5iU3a1uHrMifaLZP35WonWK3RKbKjA-1qilrAsqGmx5wH5eqdaq4QqPfvHaLcSyrtl1guRqiM3royjvMOx9v8fjFUw5Qi0/s3024/IMG_0961.jpeg" style="clear: left; float: left; font-family: "Arial Unicode MS"; font-size: 16px; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="2268" data-original-width="3024" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgg__w5JejQEF0_8HHwCqa79y2_2Pc31Up0ZHtCPqSyNMv4M3IrHGVSU5Flpc1O-9FNuqg3bC68TLE5BaYfwfHAjTp59lslA5iU3a1uHrMifaLZP35WonWK3RKbKjA-1qilrAsqGmx5wH5eqdaq4QqPfvHaLcSyrtl1guRqiM3royjvMOx9v8fjFUw5Qi0/w400-h300/IMG_0961.jpeg" width="400" /></a></div><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">吃完,步出店家,看到店外有一條長龍</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">原來,芝蛋治走運,不用排隊便吃了好東西。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0yFtu_CxNyc-AEz6Lxoj6bJH9VS1VhYhsFnoiI72Lhxr1xRGI2rCL2dKuiJghb0fpKrXDrxhzvdXO1eWqeLyJUQkrJ2vMs6jzDBgLmv-VDHAqOxnqehdjiLZFWKSjZFAiDrt-XLboEWXrhaZUUc61lUQk0GoeWn-0L6bixGWodJSV5ZiVbQIdKC3Gric/s3450/IMG_0981.jpeg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2588" data-original-width="3450" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0yFtu_CxNyc-AEz6Lxoj6bJH9VS1VhYhsFnoiI72Lhxr1xRGI2rCL2dKuiJghb0fpKrXDrxhzvdXO1eWqeLyJUQkrJ2vMs6jzDBgLmv-VDHAqOxnqehdjiLZFWKSjZFAiDrt-XLboEWXrhaZUUc61lUQk0GoeWn-0L6bixGWodJSV5ZiVbQIdKC3Gric/w400-h300/IMG_0981.jpeg" width="400" /></a></div><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;"><div class="separator" style="clear: both; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;">回程,在火車</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;">GOOGLE一下那間麵店的來頭,原來</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;">1934</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;">年開業,算一算,差不多九十年歷史,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;">在箱根相當有名氣,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;">據說,現任的日皇還是皇太子時也會去吃這間</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;">蕎麥麵。</span></div></span></div><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">這碗麵,是這次旅程,最難忘的美食(一瞬間,芝蛋治想起旺角十大碗的雲吞麵)。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-90748151783469519812023-12-05T15:15:00.002+08:002023-12-05T15:15:08.703+08:00投資小記:2023年11月<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">停一停日本的遊記,定期要作每月的投資小結。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">11</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份,沒有什麽動作,好幾檔有興趣的公司債券下了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">GTC盤,但</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">11</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月美股及美債造好,成交無望,大特價時段完結了。還好,在月初,加注了少許</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">BXP</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 2027 (Boston Properties) </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的債券,孳息有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6.85%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,未至於食「白果」。美股及美債急漲也好,芝蛋治的倉位水漲船高,多了幾個巴仙,數字上好看了,「感覺良好」。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份利息收入</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">CEF/SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> : </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1,24</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">0</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">債券</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">648</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">定存</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">0</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">390</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">US-T</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">175</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span></u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Total</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">453</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></b></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">今年,芝蛋治家庭的被動收入,銀行的定存利息佔</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">25</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%左右。預期明年銀行利息回落,要保持今年的收入水準,要步署下年的投資策略,不能太「佛系」了。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><i style="text-align: left;">#文章只屬個人分享,不構成買賣建議</i><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-42929741293115513152023-12-01T17:01:00.003+08:002023-12-01T22:13:58.048+08:00東京、箱根 - 第二章(景點篇 - 高尾山)<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">秋天到日本,怎可錯過賞紅葉</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治去了離新宿約</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">50</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">分鐘車程的高尾山登高賞葉。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">為了避開上山人潮的高峯期,未到</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">點便起床,乘</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">點左右的特急車,去旅行,有時真是攰過返工!</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">點便到了高尾山,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">11</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月中旬,東京近郊山野的楓葉,還未全紅,但芝蛋治反而喜歡紅綠相間的景致,充滿不同的色彩。</span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUCeSS7RJVSAXsVoy7eXvBDnzKpWJS77Kc9v5qd0y3JYQJhhQ30EobqnVILS6SeQr6XVUkC9pwyPvMi773lyBkPr2WHDTdc3AqV9EOvnb3eemsdt_Gvc0T6JLAyAsI9mlb7Cxz3CmxwRSix-CwGmBa-0vL66v1DufvAADCq05p_aLW5YsbRaAE4zX8pVQ/s4032/IMG_1112.jpeg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfinmvlUrWSvyP587MESoGBo_VMxeLhC8DhKCFakC3p4GC2ZBnMc7bD36uBwVJp0UBqULvkxqeUnhiRfI_A5l99SHWjvpN4DXGWjHEsXL7z_LyH8bEuvVZHEknevF9q10ESIatDFGY_jyEtHJMCiNfoQlCWP28Uzw2Zaw4FVYL_51R13JKlJIytB6ABhY/s4032/IMG_1152.jpeg" style="clear: left; display: inline; float: left; font-family: "Arial Unicode MS"; font-size: 12pt; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="4032" data-original-width="3024" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfinmvlUrWSvyP587MESoGBo_VMxeLhC8DhKCFakC3p4GC2ZBnMc7bD36uBwVJp0UBqULvkxqeUnhiRfI_A5l99SHWjvpN4DXGWjHEsXL7z_LyH8bEuvVZHEknevF9q10ESIatDFGY_jyEtHJMCiNfoQlCWP28Uzw2Zaw4FVYL_51R13JKlJIytB6ABhY/w300-h400/IMG_1152.jpeg" width="300" /> <img border="0" data-original-height="4032" data-original-width="3024" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUCeSS7RJVSAXsVoy7eXvBDnzKpWJS77Kc9v5qd0y3JYQJhhQ30EobqnVILS6SeQr6XVUkC9pwyPvMi773lyBkPr2WHDTdc3AqV9EOvnb3eemsdt_Gvc0T6JLAyAsI9mlb7Cxz3CmxwRSix-CwGmBa-0vL66v1DufvAADCq05p_aLW5YsbRaAE4zX8pVQ/w300-h400/IMG_1112.jpeg" width="300" /> </a></div><p></p><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /><div class="separator" style="clear: both; text-align: left;">在日本遊山,絕不擔心捱肚餓,在山腳、山腰、山頂,必有小食及手信店。芝蛋治也買了米團子嚐嚐。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh34ZXcG_CtU14nZuSphoHgEsHRA-PPgwaWWKNLBbGDQDNWA4ElPkDXz7p7bH0M4ZdiSyzrniocPvdaw0BGPfMIMY1sbBLAUdS_xev5m6ZbewPCCaKUEzUKk0dAT50T9zYCFdG8PJHyKOtH191aD2xJO2pNltmK82mTX9avejzb_tAK0Doa5bUxHCE6YjE/s3361/IMG_1114.jpeg" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="2521" data-original-width="3361" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh34ZXcG_CtU14nZuSphoHgEsHRA-PPgwaWWKNLBbGDQDNWA4ElPkDXz7p7bH0M4ZdiSyzrniocPvdaw0BGPfMIMY1sbBLAUdS_xev5m6ZbewPCCaKUEzUKk0dAT50T9zYCFdG8PJHyKOtH191aD2xJO2pNltmK82mTX9avejzb_tAK0Doa5bUxHCE6YjE/w400-h300/IMG_1114.jpeg" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;">點左右,便登頂了,如碰上好天氣,在高尾山是可看到富士山。可惜,當日有片白雲對富士山十分依戀,看不到富士山的全貎。</span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4eHKNe9UEUnJjOh1-bVNwN51-reRyL_t9fU6Hlp-pvhOFHfzZsidlJf8hb2JiMnRzIOjwi1jsVKdsbCA1J2fYiNVzpHIUq6BYcy79a10Eu47i4_oxfS6pufaCmhCvvT5F4ZDNBZr6OZLBvEIPALBNmg8-7dRzO7xd_xTMttTuaDmVhx4McnL_ReUcp48/s3522/IMG_1168.jpeg" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1984" data-original-width="3522" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4eHKNe9UEUnJjOh1-bVNwN51-reRyL_t9fU6Hlp-pvhOFHfzZsidlJf8hb2JiMnRzIOjwi1jsVKdsbCA1J2fYiNVzpHIUq6BYcy79a10Eu47i4_oxfS6pufaCmhCvvT5F4ZDNBZr6OZLBvEIPALBNmg8-7dRzO7xd_xTMttTuaDmVhx4McnL_ReUcp48/w400-h225/IMG_1168.jpeg" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><span style="text-align: justify;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><span style="text-align: justify;">中午,在山腳找了間CAFE用膳,不到下午一點,便離開高尾山,回新宿繼續血拼!</span></div><div class="separator" style="clear: both; text-align: left;"><br /></div></span><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-33195683485389318862023-11-27T17:02:00.003+08:002023-11-27T17:19:44.920+08:00東京、箱根 - 第一章(景點篇 - 箱根)<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">11</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月中,芝蛋治跟蛋牛治去了東京、箱根</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">天。「太耐沒返過鄉下」,好貪心:溫泉、紅葉、美食、購物</span>⋯⋯也安排在行程內,所以,今趟旅行,攰過返工。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">又是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">blog</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">文中</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">view</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">數最少的遊記時段</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">今文,先講景色。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治安排了兩日的箱根行程。在準備行程時,買什麽周遊券、乘</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">什麽型號的列車</span>⋯⋯看資料也弄到頭痛。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">在箱根,芝蛋治最喜歡的景點是</span><b><span style="color: blue; font-family: "Arial Unicode MS"; font-size: 12pt;">仙石原的芒草草原</span></b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。剛好,那天天清氣爽,陽光身在芒草彎彎的花穗上,像無數的碎鑽閃閃發光。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijs2pZ6YdrIEHlBxZVyWWgTlB9AKDMSLPW3kojMx0TMSS0veTlZKhMMKjkD9q4edh62oureXClcIbXo_nNgXaVOQt1_Bbq8SK-QkI3pQShjDOOO3kluTqVYHBvUU0XPAG5eUERbzfCqVzPWrUgiQBprSoK6GCVszbzRkfE_hy3fNdSqK0RZ5C7q_uA06E/s4032/IMG_0929.jpeg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijs2pZ6YdrIEHlBxZVyWWgTlB9AKDMSLPW3kojMx0TMSS0veTlZKhMMKjkD9q4edh62oureXClcIbXo_nNgXaVOQt1_Bbq8SK-QkI3pQShjDOOO3kluTqVYHBvUU0XPAG5eUERbzfCqVzPWrUgiQBprSoK6GCVszbzRkfE_hy3fNdSqK0RZ5C7q_uA06E/w400-h300/IMG_0929.jpeg" width="400" /></a><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"></span></div><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9AFfHmUwnihnykPHywzwA9LemmUWRILHUyNDr0e6oMVqasVx5kkTUS27vYcCIi8TxjrH0En_5KozsHssn2Z9OGwInoepOA1SFM9SAmW6O8Tt_TRjeJY6-mZf0g4OZcYfAe_b-w0eCPil54bhKHZxrX_Ct8Of2PTdLRarC41xf-yp8E5hXYAl636sczuw/s4032/IMG_0874.jpeg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="3024" data-original-width="4032" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9AFfHmUwnihnykPHywzwA9LemmUWRILHUyNDr0e6oMVqasVx5kkTUS27vYcCIi8TxjrH0En_5KozsHssn2Z9OGwInoepOA1SFM9SAmW6O8Tt_TRjeJY6-mZf0g4OZcYfAe_b-w0eCPil54bhKHZxrX_Ct8Of2PTdLRarC41xf-yp8E5hXYAl636sczuw/w400-h300/IMG_0874.jpeg" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;">箱根最具盛名的景點是</span><b style="font-family: Calibri; font-size: 10.5pt; text-align: justify;"><span style="color: blue; font-family: "Arial Unicode MS"; font-size: 12pt;">大涌谷</span></b><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;">。整個山頭,煙霧瀰漫,不用說,是火山活動的痕跡。大涌谷的名物居然是一隻黑蛋(可食用),跟香港的皮蛋剛好相反,皮蛋清走表面的一層木糠,蛋殼是灰灰白白,蛋白是黑色。大涌谷的黑蛋,蛋殼是黑色,熟透的雞蛋內,蛋白是正常的白色,味道也跟平常的雞蛋無異。</span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_aMsum3zxXz9ZuX6GaYlbjqkzaiOG0ppgXf5GuUPmUkW9kcR8ll7HzKRgpoq7_efwl_oPoA4FptZgh2g3rrlS9I8zLtdn2yqjjL5mu_HR0NOAFkVJgXuf5aRk40Zi0aAqW7OMkb6QQLDXtKHQm76t70rqsk8ciuM6QSh3n8zkNTeISn73VZ_Rq9pfWK0/s4032/IMG_0684.jpeg" style="clear: left; font-family: "PingFang TC"; font-size: medium; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="3024" data-original-width="4032" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_aMsum3zxXz9ZuX6GaYlbjqkzaiOG0ppgXf5GuUPmUkW9kcR8ll7HzKRgpoq7_efwl_oPoA4FptZgh2g3rrlS9I8zLtdn2yqjjL5mu_HR0NOAFkVJgXuf5aRk40Zi0aAqW7OMkb6QQLDXtKHQm76t70rqsk8ciuM6QSh3n8zkNTeISn73VZ_Rq9pfWK0/w400-h300/IMG_0684.jpeg" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">黑色的蛋殼,是因為用了含硫磺及鐵質的溫泉水泡煮,傳說吃一隻黑蛋,命長七年。芝蛋治佩服是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">日本人將這黑蛋變成「金蛋」,產出不少名物手信,遊人甘願排隊付費。蛋牛治戲說他回港會「搞搞」香港的紅雞蛋,應該會殺出一</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">條財路。</span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiOhHpxktQR4s_YJfqsfl8Pm30LEM45x4MC88f-pHuD4lkLtYGvdTwHbrsyQzZ3v8-KofpeIo8OYgxYTZrT1qQsWQCqW6Ni38vKCwGFR7I-vtQmeKhpURetcEsfBwYGdAaedSkn8FIBXFBpav7-qwwUmqqZaAICr8xAkaJcMzCSXMt6mlbjsuzdQBMOSc/s4032/IMG_0693.jpeg" style="clear: left; font-size: 12pt; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="4032" data-original-width="3024" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiOhHpxktQR4s_YJfqsfl8Pm30LEM45x4MC88f-pHuD4lkLtYGvdTwHbrsyQzZ3v8-KofpeIo8OYgxYTZrT1qQsWQCqW6Ni38vKCwGFR7I-vtQmeKhpURetcEsfBwYGdAaedSkn8FIBXFBpav7-qwwUmqqZaAICr8xAkaJcMzCSXMt6mlbjsuzdQBMOSc/w300-h400/IMG_0693.jpeg" width="300" /></a></span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">最後一個打卡景點,是</span><b style="font-family: Calibri; font-size: 10.5pt;"><span style="color: blue; font-family: "Arial Unicode MS"; font-size: 12pt;">箱根神社的平和鳥居</span></b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,因為鳥居豎立在湖邊,人站在鳥居下,構圖確是不錯,但要用大半小時排隊打卡拍照,不太化算,還是細意觀賞周遭美景好了。</span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8JzBSMBhmFOyqqEKemx4KPXttvRxoz7GqznXLdrXPIBk_X5mmJ3cF29yB1914OqxutvK0dBWn3B-McT7KKTN_ByR3HegKE8KLkLAjWFkDj33s1OBJ8iJuPip3pIbYlr6yHwDiCbN-dPcV5rT_twWF8cwlULKI_-JtNXComPJl96sKSdhsCWEybX8DcTo/s3862/IMG_0753.jpeg" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="2575" data-original-width="3862" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8JzBSMBhmFOyqqEKemx4KPXttvRxoz7GqznXLdrXPIBk_X5mmJ3cF29yB1914OqxutvK0dBWn3B-McT7KKTN_ByR3HegKE8KLkLAjWFkDj33s1OBJ8iJuPip3pIbYlr6yHwDiCbN-dPcV5rT_twWF8cwlULKI_-JtNXComPJl96sKSdhsCWEybX8DcTo/w400-h266/IMG_0753.jpeg" width="400" /></a></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;"><br /></span></div><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;">箱根的景點很精采,但實在太多遊人,欠了點閒適感</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: justify;">不過,芝蛋治也十分享受。</span></div></span>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com2tag:blogger.com,1999:blog-3741847225182181966.post-1912820921149356932023-11-08T16:51:00.002+08:002023-11-24T17:30:44.415+08:00收錢喇!就嚟⋯⋯<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治為了賺取點外快,去年在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Google的AdSense申請廣告收入。承蒙各</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">blog</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">友俾面賜與流量及點擊,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">用了整整一年時間,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">終於</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">過了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">AdSense的港幣八百大元的取款門檻,可「申請」收錢了!!!</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">跟著</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">AdSense的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">指引及YouTubers的教學片,填了收款資料及美國的稅務資料(</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">W</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">BEN)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,算是簡單,用廿分鐘便可完成,按上</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Submit掣後,Google在線上已可馬上審核。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">過了好幾日,</span>AdSense又彈出屏幕,要補上新加坡的稅務資料,這次便搲頭了。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">上網查查,由於AdSense的實體公司是位於新加坡,Google需從支付的款項中預扣新加坡的稅款,所以,須要發佈者的新加坡稅務資料。而香港跟新加坡訂有避免雙重課稅協定,故此,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Google</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">須要一份「香港稅務居民身份証明書」來確實免稅資格。照理解,芝蛋治</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">應該</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">要向香港稅務局提交「香港</span><span style="font-family: "Arial Unicode MS"; font-size: 16px;">居民身份証明書」的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">申請,在若干工作天,稅局會寄回相關的文件給申請者;好像</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">有點複雜⋯⋯</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">在網絡上,芝蛋治又找不到香港的YouTuber提到這問題,不確定是否不提交新加坡的稅務資料,便收不到相關的「稿費」,待月底,真的收不到,才申請「証明書」。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">再次謝謝大家給芝蛋治的流量收入。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">後記 : 芝蛋治終於在23號收到錢喇!不用填補新加坡的稅務資料,太好了!</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com2tag:blogger.com,1999:blog-3741847225182181966.post-22053700549189456912023-11-02T16:09:00.001+08:002023-11-02T16:09:16.652+08:00投資小記:2023年10月<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份,美國的公司債券又減價,未知是否到底,還是逐步收集。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">再入了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">MU</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 2029</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的債券,上月在價位</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">102</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">已入了一小注,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月跌到</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">99.8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,芝蛋治有點心有不甘,決定「溝淡」。另外,入了一檔</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">BXP</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 2027</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的債券,孳息也有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6.85%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">BBB+,屬投資級別的債券。芝蛋治有一半的債券在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2025</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年到期,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">趁著這高息時勢,建立一個為期</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年的收息階梯,鎖定收入。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">部份到期的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">美國國庫債券又是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">roll-over</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">到另一檔明年</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">到期的國債。孳息比銀行的美元定存差不多,有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5.3%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。不過,在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">IB出金,中介銀行會收US$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">15</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的手續費,還是借給美國政府做「循環貸款」資金。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份利息收入</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">CEF/SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> : </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1,2</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">債券</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,31</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">股票</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">571</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">定存</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1,996</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">US-T</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">839</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span></u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Total</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">22</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">960</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></b></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">現時,銀行定存及美國國庫債券的息率也有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,投資級別的債券也有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%左右。早幾年,賺取</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%利息,是伴隨高風險</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">;</span>7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%的,更是冒死的風險投資。現在,香港的通脹是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%也不到,算一算,錢放在定存或國債,也穩賺</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">「啲錢放在銀行都唔怕縮水」的時代來臨,不過,未知可持續多久?</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: "PingFang TC"; font-size: medium; text-align: left;">#文章只屬個人分享,不構成買賣建議</i></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-51916949576322603562023-10-27T17:37:00.006+08:002023-10-28T21:57:40.968+08:0010月「強迫金」報告出籠了!<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgq0Ns3otLiYy3FZ8oMa8MwEEvCNXLKLbQhiTr5OrRD82uTL_1Q9fCVDtRhoqXC0_xYJbc_KOrqoJCFMwXcCKPjRJFwdl4XdPVCdZwNzIc8OQobhjjx0XF-qB4FDqooIsxwt3IRiQ9YK2u0Psj-3NoFWzxC9WAbArVIikRsL2tSC98N0jIwMT2Pvs4bzYg/s300/%E4%B8%8B%E8%BC%89.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="168" data-original-width="300" height="224" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgq0Ns3otLiYy3FZ8oMa8MwEEvCNXLKLbQhiTr5OrRD82uTL_1Q9fCVDtRhoqXC0_xYJbc_KOrqoJCFMwXcCKPjRJFwdl4XdPVCdZwNzIc8OQobhjjx0XF-qB4FDqooIsxwt3IRiQ9YK2u0Psj-3NoFWzxC9WAbArVIikRsL2tSC98N0jIwMT2Pvs4bzYg/w402-h224/%E4%B8%8B%E8%BC%89.jpeg" width="402" /></a></div><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p>MPF顧問公司出了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份的報告,單計</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份,強積金綜合指數下跌</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1.7%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,人均蝕約</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3940</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。年初至今,累跌</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1.9%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,人均累蝕約</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4411</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。</span><p></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;"><br /></span></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">對比芝蛋治的</span>MPF倉</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">:</span>10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份較上月下跌</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">0.5%;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年初至今,則有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2.1%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的升幅,尚算慶幸,比</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">強積金綜合</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">指數差距是+</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;"><br /></span></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">芝蛋治的</span>MPF組合如下</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">保守基金</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">:</span>74</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">北美股票基金</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">:</span>13</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">環球債劵基金</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">:</span>9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">歐洲股票基金</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">:</span>3</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">跑贏大巿的主因,是在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">22</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年中,將</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">100</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%轉至保守基金,真的ALL-IN,不過,一定不會輸。跟著,摸著石頭過河,逐少逐少轉至其他基金。而保守基金一年內的升幅居然有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治不會頻密轉換</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">MPF基金,約半年會檢視一下。試過好幾年都不需要轉換基金,應該是大好巿的時候,年年躺平,也有幾厘的升幅</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">但近三年,就算獅子銀行的平穩基金,也累跌接近</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">15</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%;如果,不轉換,多年的收益也一筆勾銷。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">不可再躺平了。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: "PingFang TC"; font-size: medium; text-align: left;">#文章只屬個人分享,不構成買賣建議</i></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-77691018450937344212023-10-24T17:44:00.006+08:002023-10-25T10:49:57.956+08:00生活雜絮<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治的老友移民英國,說現在閒時在綠油油的公園跑步,看看松鼠,跟大自然很近,十分享受。老友在香港時,日出而作,日入仍然工作,真的要到英國,「被迫」將工作停下來,才可休養身心,自在地呼吸每口空氣。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">近來天氣轉涼,芝蛋治離開健身室,開始外出跑步,芝蛋治的步速,只是快過行路些少,可欣賞沿路的景致,觀賞到周遭漂亮的野花。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0CQSBiEWEc2bACDbo9BG-1ktfbMyw_qumpX1lYYbAuFOjtmVZ36herNV2XG-AAgJLd-oI4iqZDwX_ZUY-2qfDbJVOErieg5GrEQdR_CisMz9dNoQtrMYtbNdCCtP9QXGmIbYvt5JlDBuItxrCYsjTDnR1_GLe3Ot0eE6IaeS8rOI830PoMjSr5Fn8Yi4/s3584/IMG_0303.jpeg" style="clear: left; display: inline !important; font-family: "Arial Unicode MS"; font-size: 12pt; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="3584" data-original-width="2688" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0CQSBiEWEc2bACDbo9BG-1ktfbMyw_qumpX1lYYbAuFOjtmVZ36herNV2XG-AAgJLd-oI4iqZDwX_ZUY-2qfDbJVOErieg5GrEQdR_CisMz9dNoQtrMYtbNdCCtP9QXGmIbYvt5JlDBuItxrCYsjTDnR1_GLe3Ot0eE6IaeS8rOI830PoMjSr5Fn8Yi4/w222-h298/IMG_0303.jpeg" width="222" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjkuhI64EI1tzFGRhaS7Vld1NHg9MrtDBlmm0y4dJXmWQmucarizrNSMuFv659HwUFVxR05hNr6KOD0Fzpg4wNYIXVohG2bXvaMKZQ-gwhF8oG43RBkZTj0EAug8CaVNREHUtZm6_dPO3sqaWlUmVet7RyrykYiKyYfH9i5lXq-SGh4yuRN9DFKnRyNDE/s2271/IMG_0382.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2271" data-original-width="1703" height="297" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjkuhI64EI1tzFGRhaS7Vld1NHg9MrtDBlmm0y4dJXmWQmucarizrNSMuFv659HwUFVxR05hNr6KOD0Fzpg4wNYIXVohG2bXvaMKZQ-gwhF8oG43RBkZTj0EAug8CaVNREHUtZm6_dPO3sqaWlUmVet7RyrykYiKyYfH9i5lXq-SGh4yuRN9DFKnRyNDE/w223-h297/IMG_0382.jpeg" width="223" /></a></div><span style="font-family: "Arial Unicode MS"; font-size: 12pt; text-align: left;"><div><br /></div><div><span style="font-size: 12pt;">其實,無論在英國或是香港,只要肯「狠心」地將自己靜下來,不只享受到大自然,還可感應到整個宇宙(哈哈!開個玩笑)。</span></div></span><p></p><p></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">靜下來並不是說要辭職不幹,日日打坐</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">只需在平常騰空</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">一小段時間,讓自己獨處一陣,放空一下,清醒腦袋,捨下煩擾,相信日常做人做事會少出亂子。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 16px;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 16px;">不過,「放空一下」這做法,可能對一些人也是「堅離地,超奢侈」。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><br /></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com2tag:blogger.com,1999:blog-3741847225182181966.post-68717221795187421902023-10-17T13:05:00.003+08:002023-10-18T14:27:02.552+08:00千萬富翁<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGvdMyUgwDJaXJBMtbkNCNuUNhDSBPGeaFC-HmeBjIXJQEZqkGExpOFg-BZBdLHAv5_zWoNO8onYotAXG15w0pauXtSLnRnKBg6Z-bPAOKTX-9WFTmcR3NwZG2Bz92rsXjRGSNt10fJygr_OVobokyTYZPTCjoejFUEy0op45kuu0xHu-gHOHpRyekrzI/s900/168e4c81b56c6a274c9250400ce5a875c91803fe_1039939_i3.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="900" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGvdMyUgwDJaXJBMtbkNCNuUNhDSBPGeaFC-HmeBjIXJQEZqkGExpOFg-BZBdLHAv5_zWoNO8onYotAXG15w0pauXtSLnRnKBg6Z-bPAOKTX-9WFTmcR3NwZG2Bz92rsXjRGSNt10fJygr_OVobokyTYZPTCjoejFUEy0op45kuu0xHu-gHOHpRyekrzI/s320/168e4c81b56c6a274c9250400ce5a875c91803fe_1039939_i3.jpeg" width="320" /></a></div><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">每個香港人的童年,應該也玩過「百萬富翁」的遊戲,經過幼承家訓、耳濡目染,香港人都認為人生一定要買磚頭。</span><p></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">花旗銀行剛出了一份報告,各大媒體紛紛轉載,大大標題是:每</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">14</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">港人便有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">名「千萬富翁」。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">睇真啲:相關人口指年齡介乎</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">21-79</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">歲人仕,有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1000</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">萬淨資產,包括</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">100</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">萬流動資金,便算在千萬富翁的行列。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">而千萬富翁的淨資產淨值中位數是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1600</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">萬,流動資產中位是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">450</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">萬。很明顯,絕大部份的千萬富翁的財產鎖在樓宇中。但,這種「千萬富翁」,上有高堂、下有妻房,兒女又要放洋留學,只可說是「夾心的中產」,談不上富翁。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">有磚頭未必可變成「真正」的富翁,但在香港供完層樓,又真是</span><span style="font-family: "Arial Unicode MS"; font-size: 16px;">可安身立命。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 16px;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">以前芝蛋治仍是部門的小頭目,認識一位裝修公司的老闆,有時,他接到生意,需要周轉,也會將層樓來作抵押,換取現金付前期開支。每次,芝蛋治將公司的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">project交</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">給他時,總跟他說笑</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">你層樓贖番未?</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">另外,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治朋友</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">B</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">在年中已移民米字國,朋友</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">B早打算把香港的物業變現,來換取一家大細在當地的生活費。可惜,樓巿一直下跌,樓價跟兩年前比較,已跌了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">300</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">萬,</span><span style="font-family: "Arial Unicode MS"; font-size: 16px;">朋友B唯有「賤價」放售。事實,該物業已為他賺了好幾百萬,足夠他一家在異地安安穩穩地生活。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">這份千萬富翁的報告,不代表香港有很多有錢人,「千萬」資產也不表示相當富裕,當然「有好過無」,重要的是要善於利用手中的資源,來達成自己的目標。</span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com1tag:blogger.com,1999:blog-3741847225182181966.post-40624768518125764822023-10-05T13:51:00.004+08:002023-10-05T13:58:04.148+08:00投資小記 : 2023年9月<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份,操作簡單。將到期的美國國庫債券再</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">roll-over</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">到另一檔年底到期的國債,取其</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">yield interest 5.4%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。另外,入了一檔</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">MU</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6.75%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 2029</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的中年期債券,買入價差不多</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">102 , </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">但最早的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">option date</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">要到</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">29</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月,不怕過早贖回,而</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">yield interest</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">也有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6.4%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,扑搥買入。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">MU即是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Micron</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">美光,美國大型</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">半導體企業</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">達投資級別的債券,違約風險低。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10月</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">初,美國</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年國債的孳息率抽升至</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4.6%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,芝蛋治在</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">、</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月,買入的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年國債及其他公司債的債價應聲下跌。有些少揼心買早了一、兩星期。不過,凡事有兩面,又可以研究下有沒有值得買入的好標,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">IG級別的債券有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6-7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,是相當吸引。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">加拿大的分置基金</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">SSF大瀉,此部份雖佔芝蛋治的投資總額只有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4.6%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,但一個月內,跌幅</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">25-30</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,在帳面上也頗明顯。果然,息率越高,風險越大。現時,只好希望風暴過後,靜待黎明。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">又報告一下</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份利息收入</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">CEF/SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> : </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">251</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">債券</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">: </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">16</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">314</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">股票</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">: </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">056</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">定存</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">: </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">18</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">354</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">US-T</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">: </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4,679</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span></u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Total</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">: </span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">44</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">654</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.00</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月,看看有沒有大特價時段。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: "PingFang TC"; font-size: medium; text-align: left;"><br class="Apple-interchange-newline" />#文章只屬個人分享,不構成買賣建議</i></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-91410730245775449962023-10-04T13:47:00.001+08:002023-10-04T17:51:07.781+08:00騙、騙、騙<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">近日最熱烘烘的話題,當然是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">JPEX</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">大騙案</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">,還涉及明星、</span>KOL,街頭巷尾一地花生。當然,芝蛋治也是花生族。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">因為科技發展,騙案規模越來越大。望著躺在桌上的手機,莫名有股厭惡感,整天也有騙徒透過這部智能電話</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">接觸到你</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">真金白銀買部手機、開個</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">G</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> plan</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,用得最多,竟是接收詐騙的訊息,讓</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">騙徒跟自己連結在一起,多無奈。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">每日,芝蛋治收到不少騙徒電話、短訊。芝蛋治也會提醒年長的家人,小心電騙。早兩天跟</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">99</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">飲茶閒話,她的兩位晨運友,給電話騙徒騙了幾萬元,又是「捉咗你嗰女</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">/你嗰仔,俾錢就放人」,真是橋唔怕舊,仲緊要受。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">另外,芝蛋治入了一個投資的</span>TG谷好幾個月,跟谷友吹下理財投資。突然,有陌生人私訊芝蛋治及不少谷友,「交流」投資心得,谷友們心知是「提子」出沒,有幾位貪玩谷友跟那人吹下水,當然是騙局的開端,騙徒是</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">sell</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">虛幣,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月賺</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">20</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">講跟</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">JPEX不同喎。哈哈!真的很不同,JPEX話年息</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">20</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,佢話月賺</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">20</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,騙得更誇。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">這世界被互聯網連接著,無論遠遠近近,不少人也可盯著你的荷包中的鈔票</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。早前,芝蛋治參加了某海外頻道的免費線上課程,該次線上參加者也有幾千人。但,到了課程中段,感覺傳銷味極濃,對此起了警戒心。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">課程主題不屬金融或科技,但又將區塊鏈</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">連繫著課程;芝蛋治沒上過他們的收費課程,不太清楚是什麽概念</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">不妄下判斷,但,總是覺得</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">有點怪怪的,沒有下續參與他們其他的課程了。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">以前的日子,也要上街才遇上種錢黨、跌錢黨、寶藥黨</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。今時今日,隨時隨地也會遇上騙子,有時更是自己招惹的,真不要輕易相信任何人或事。</span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com1tag:blogger.com,1999:blog-3741847225182181966.post-15697107060700863432023-09-25T17:40:00.003+08:002023-09-25T17:40:11.977+08:00SSF-A :投資小檢討<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">這兩年,芝蛋治投資了幾隻加拿大的股票分置基金</span>Split Share Fund - A類(SSF-A):ENS、DFN、FTN,貪其利息可觀,扣了15%的利息稅,孳息率也動輒10%以上,但,當時芝蛋治沒有認真研究SSF-A的投資進出時間。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">截止今日,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">成績</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">帳面</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">:</span>-28%;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">如包含計算已派的利息</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">:</span>-12</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">實際上,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">隻的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">SSF,ENS倘算穩定,底層資產是天然氣公司ENBRIDGE,收入可靠。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">另外,</span>DFN及FTN的底層資產,較多為金融類,頗受</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2022</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年的聯儲局的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">加息周期影響</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">每次聯儲局加息相等於美國國庫債券的孳息往上衝,而</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">-</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">A便會向下墮,又適逢美國中小型銀行爆雷倒閉,瑞信「被收購」,DFN及FTN的底層資產重重受壓,基金價格愈推愈下。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;"><br /></span></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">回顧投資</span>SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">-</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">A的過程,芝蛋治又學懂了(好大可能是似懂非懂),投資要看大趨勢,最易觀察應該是美國聯儲局加息或減息,經濟過熱會加息,經濟衰退便減息,聯儲局的息率綫圖不是個股的炒上炒落,而是經濟政策,所以可預估,今日息率</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,明日不會</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">0.5%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治雖說是師承佛系投資,也可以先部署買入或是賣出。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">有智慧不如順勢,預視了息率趨勢先行步署,每項投資應該賺到不是最盡,蝕也不會最底。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: "PingFang TC"; font-size: medium; text-align: left;">#文章只屬個人分享,不構成買賣建議</i></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com0tag:blogger.com,1999:blog-3741847225182181966.post-16063823502481061582023-09-05T13:27:00.004+08:002023-09-08T18:42:48.673+08:00另類都巿病<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">早幾天,電視台的城巿八卦式節目報道,一位年長婦人 (太太M)如何被銀行客戶經理(經理C)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">蝕掉過千萬身家。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">太太M年約六十歲(其實不算太老),直至銀行發信通知,將她戶口級別降級,才發現身家蒸發了九成,原來,在兩三年間,被「信得過」的經理C輸掉千多萬。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">節目一開始,太太M</span>便說經理C如何噓寒問暖,關懷備至,還私下先轉賬七萬元給太太M,讓她可購買給親友的結婚禮物,對他的感覺如自己子姪。太太M被經理C「冧」倒,自願地將過千萬身家給他操盤。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">長者寂寞,給他們一點關心,便當你是自己人。</span>太太M相當信任經理C,這幾年,只是問他的操作有無賺蝕,問了便算,完全不查看一下銀行的買賣文件、月結單⋯⋯</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">否則,太太M無理由不知身家被陰乾。或者,太太M</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">不擅網上理財,是「數碼文盲」一族,現時的銀行實行無紙化政策,更</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">易墮入陷阱。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">長者得到一些</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">關顧,可能便會付出不理智的信任。<span style="font-family: "Arial Unicode MS"; font-size: 12pt;">其實,不限於長者,都巿人寂寞,感受到一點關懷,足以令人盲目付出,可說是另類「都巿病」。記著民間睿智:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">「</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">無事獻殷勤,非奸即盗」。</span></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治也不擔保自己到年老時,能否清醒做人。</span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com1tag:blogger.com,1999:blog-3741847225182181966.post-60944738948234069662023-09-01T14:11:00.001+08:002023-09-01T22:16:07.204+08:00投資小記 : 2023年8月<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">日,大家都嚴陣以待,「蘇拉」襲港。蘇拉未出動,香港的師奶已威力無窮,將街巿及超巿的蔬菜麵包搶購一空。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">打風日,芝蛋治足不出戶,打算睇下書,有本財經書,想重溫一次,看看可否再多點得著。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">總結上月的投資操作</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">入了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年期的美國國庫債券,孳息率約</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4.2%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,等美息調低時,債價調高,其時可考慮賣掉賺價或繼續收息。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">入了兩條美國公司債券</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">一間是煙草公司(</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">孳息率</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,另一間是新能源公司</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">(孳息率</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。趁高息周期,鎖住日後的利息收入。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">循例報告</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份利息收入</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">CEF/SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> : </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1,575.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">債券</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8,053.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">股票</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3,913.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">定存</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4,038.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">US-T</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">168.00</span></u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Total</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">17,747.00</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">*已經下午兩點,芝蛋治住嗰區仍然風平浪靜,是否山雨欲來?</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: "PingFang TC"; font-size: medium; text-align: left;">#文章只屬個人分享,不構成買賣建議</i></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com1tag:blogger.com,1999:blog-3741847225182181966.post-43311104066874173292023-08-20T21:00:00.001+08:002023-08-20T22:37:43.274+08:00生活日常:airbnb 屋苑<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治住在大西北的屋苑。近月外出,總見到有拖著行李箱的國內人,在屋苑內「頭顎顎」找路,或是一班四、五個人,在大堂騰出騰入等</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">UBER。在屋苑應該有若干單位變成AIRBNB出租民宿。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">記得在疫情前,香港很多屋苑都淪為</span>AIRBNB。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">沉寂了三年,又再回來了。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">屋苑的兩房單位,現時月租跌至</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">12000 -</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">14000</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,估計變成民宿,大約</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">800-</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1000</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,用</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">900</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">/晚計算,租出</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">20</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">晚也有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">18000</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的收入,比正常月租還要高出</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">28</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">-</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 50</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,對業主可說是相當吸引的回報。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">幸好,芝蛋治同層單位沒有改成</span>AIRBNB</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">否則,每天有不同陌生人進出,也頗擔心自身安全、另外,亦會產生或多或少的噪音、衛生</span>⋯⋯等問題。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">芝蛋治屋苑雖近港鐵站,但附近連便利店也沒有,十分清幽(可說是山旮旯),相信巿區的屋苑的出租單位變成</span>AIRBNB的狀況,應該更嚴重。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com4tag:blogger.com,1999:blog-3741847225182181966.post-92229961812292502242023-08-15T17:14:00.001+08:002023-08-15T17:19:39.012+08:00進可攻、退可守<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">剛入了接近十年期的美國國庫債券(</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">18</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">15 </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Nov</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 2032</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">)。這個月,入了兩支公司債,只剩下少量游資,看中了,先買入。等過兩個月,定存的美金回籠,再研究是否加碼。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">近期,經常聽到報導,美國聯儲利率見頂或即將見頂</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">債息跌,債價便會升,仿如太陽在東方升起的道理。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治便算一算,如債息跌</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">厘,債價會上升多少?芝蛋治化身「神探伽利略</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> -</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">湯川學」,在紙上寫上</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">X、Y、Z的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">公式(應該只是自己才看得明)</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">蛋牛治驚歎芝蛋治的「數學知識」。雖然,芝蛋治是文科生,普通的代數還可以應付。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">哈!自讚完,說回這支</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">國庫債券</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> <span style="font-family: Arial Unicode MS;">:</span></span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">今日該債的到期的孳息率</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">(YTM) :4.22% </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">如一年後,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">孳息率跌至</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3.18%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,債價會升</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">74</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,到時沽出,加上已收利息,收益率達</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">10</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">8</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。若需兩年時間,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">孳息率才跌至</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">3.18%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,沽出後的收</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">益率也有</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">.</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。(戴頭盔,芝蛋治不是職業分析師,算錯的可能性頗高⋯⋯)</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">美國是否減息?</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">美國不能無止境加息,息率必然下調,只是時間及強度問題。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">鎖定</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">4</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">厘多的利潤,每半年派息,坐得舒舒服服等價升,無風無險。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><i style="font-family: "PingFang TC"; font-size: medium; text-align: left;">#文章只屬個人分享,不構成買賣建議</i></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com3tag:blogger.com,1999:blog-3741847225182181966.post-47007935983120322522023-08-09T17:55:00.000+08:002023-08-09T17:55:06.688+08:00誠哥出招<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">長實在油塘新盤</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> - </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">親海駅,呎價不單低於同區新盤,甚至被二手盤還便宜;一瞬間,便吸乾九龍區巿場的購買力,啟德區的新盤應該</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">GG了。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">98</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年,誠哥以低於巿價兩成推售青衣盈翠半島千幾個單位,「食哂」巿場剩餘的購買力,之後,樓巿就「潛咗水」</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">直到</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2012</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年,中原領先指數</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">CCL才回到</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">97</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">年水平。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">還有,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">2017</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">年,誠哥出售中環中心。現在,接手的有錢佬,蝕到眼坦坦,還要發債籌旗</span>⋯⋯</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">觀乎歷史,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">誠哥「賤賣」新盤,香港樓巿應該三、五、七年沒運行。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com2tag:blogger.com,1999:blog-3741847225182181966.post-8092012853229716092023-08-02T16:33:00.003+08:002023-08-02T22:19:14.279+08:00投資小記 : 2023年7月<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">近來,芝蛋治覺得時間愈來愈不夠用,每日做點運動、做些家務、外出買點菜,便到晏晝兩、三點。這時才有空,做點自己的事情,開著電腦,看看文章,找找投資標,還未進入狀態,又要準備晚餐。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">現今,家庭主婦的英文很少用</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">housewife</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,是用</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">home-maker</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,應該是為了避免性別尷尬(這世代多了男士擔當持家的角色),另外,一頭「家」真的要經營(</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">make),除了勞力的付出外,還要大量的生活知識,財務知識</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。芝蛋治的二人家庭,每天也花不少時間打理</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">;</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><span style="font-family: Arial Unicode MS;">如是一家四口,加上四大長老</span>⋯⋯真要勞心勞力。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">說回七月份的投資,加碼了</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">VTLE</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> 2025</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的公司債券,</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">9.5%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">的孳息率相當吸引,除此之外,沒有其他操作了。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">今個月,利息收入仍然「和味」。下個月開始,是芝蛋治利息收入的低谷期(沒有低谷,何來高峯)。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">7</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">月份利息收入</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">CEF/SSF</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> : </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">1,603.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">債券</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">51,376.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">股票</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">859.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">定存</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">6,558.00</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">US-T</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5,183.00</span></u><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">Total</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">:</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">HK$</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">65,579.00</span></b><b><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">放在倉底的</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">5</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">股</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">VISA,賺了HK$</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">887</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">,哈哈!</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">可以出外食多兩餐飯。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">趁著高息的年頭,先嚐利息帶來的好處</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> - </span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">好天收埋落雨柴。</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><i style="font-family: "PingFang TC"; font-size: medium; text-align: left;">#文章只屬個人分享,不構成買賣建議</i></span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com5tag:blogger.com,1999:blog-3741847225182181966.post-8522949550032778792023-07-29T20:49:00.001+08:002023-07-29T20:49:37.578+08:00購書<p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">書展剛過去⋯⋯</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">自從被退休後,芝蛋治看多了書。近兩年,在香港買書有點難,難的意思,並不是沒有書買,中資三大書商:三、中、商仍然屹立(應該不會倒下),誠品也愈開愈多,但書的類型十分貧乏。尤其,這兩、三年,書商入書的種類,越來越窄。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">芝蛋治在台北旅行時,都會捧一大堆書回來,有部份在香港書店也找不到。另一吸引之處,台灣的書價便宜,比香港低3</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">0</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">%,書商再照價打7 - 9折;算一算,便宜30 - 50%</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">。搬回來,當賺回點旅費。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">近日,芝蛋治在香港的書店找不到學習自療法的書籍,在台灣書商平台找到,原來可以直購到港,再多選幾本書藉,打上運費,還化算。</span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><br /></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;">網購發展愈趨完善,香港又是免稅城巿,本地零售商的競爭對手是全世界,在香港,真是生意難做啊!</span><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"><o:p></o:p></span></p><p class="MsoNormal" style="font-family: Calibri; font-size: 10.5pt; margin: 0pt 0pt 0.0001pt; text-align: justify;"><span style="font-family: "Arial Unicode MS"; font-size: 12pt;"> </span></p>芝蛋治http://www.blogger.com/profile/06827807250708313987noreply@blogger.com4