tag:blogger.com,1999:blog-75782686754930610832024-03-05T17:59:03.263+08:00半桶水爸爸"This is the way." - The MandalorianDarth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.comBlogger198125tag:blogger.com,1999:blog-7578268675493061083.post-41410434945592605962020-04-11T09:20:00.002+08:002020-04-11T23:22:18.613+08:00我在2020年第一季得到甚麼談入四月,疫情依然嚴重,武漢肺炎對全球人類做成前所未有的影響。凡事有正反兩面,我們樂觀一點,嘗試看看我們目前為止得到了甚麼。<br>
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居家工作,學生停課,減少出外,這造就了我們一家在過去兩個多月的極大部份時間也留在家中,這種極長時間的相處機會也是前所未有的。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNF7ay0jd1J0DF-DTlOyM5dACJsNRZlWIM5ywWO7-aZaEvPQxISK5i4DMDmuZrd6WCe1pE6h6Frx1OKp5U_lU2uepkPvyZ-sc4656RW4f7hO7rzUsh1dHmRAAsb_2OdV_gAMrgIKeeSAxx/s1600/IMG-20200411-WA0003-01-1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="399" data-original-width="600" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNF7ay0jd1J0DF-DTlOyM5dACJsNRZlWIM5ywWO7-aZaEvPQxISK5i4DMDmuZrd6WCe1pE6h6Frx1OKp5U_lU2uepkPvyZ-sc4656RW4f7hO7rzUsh1dHmRAAsb_2OdV_gAMrgIKeeSAxx/s1600/IMG-20200411-WA0003-01-1.jpg"></a></div>
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我自己便很珍惜和孩子一起的時間。每天為家人準備早餐,中午落平台散步,在家中排排坐一齊做功課和工作。相信是因為多了一起的時間,和太太的感情也好像增進了。<br>
<a href="https://halfemptypapa.blogspot.com/2020/04/what-i-got-in-2020-1Q.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com18tag:blogger.com,1999:blog-7578268675493061083.post-42912936834592549892020-03-16T18:15:00.000+08:002020-03-17T09:01:47.919+08:00武漢肺炎中場檢討假如你不是在祼泳,那麼大跌市比大升市,甚至任何時間都更適合做的就是換馬和加碼。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfWKZmWZe9FVPXgOd7jv4R47Ijufp4OlZJwmKXeAV3MHy8dD_HAlWQEZeMDCIHZndgIE6Q1bpEHObtC7IMwQR52KbJR-cC2Bp7tJkFmsp6emoz28wzpJPZLuIUoj8spSQ8kKsuUwc05FcZ/s1600/inv_allocation_20200316.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="371" data-original-width="600" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfWKZmWZe9FVPXgOd7jv4R47Ijufp4OlZJwmKXeAV3MHy8dD_HAlWQEZeMDCIHZndgIE6Q1bpEHObtC7IMwQR52KbJR-cC2Bp7tJkFmsp6emoz28wzpJPZLuIUoj8spSQ8kKsuUwc05FcZ/s1600/inv_allocation_20200316.png"></a></div>
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半桶水投資基金現金水平降到24%,三月增持了VOO、盈富基金及<a href="https://halfemptypapa.blogspot.com/2019/09/taiwan-stock-market.html" target="_blank">EWT</a>三隻指數基金,將吸引力較差的大快活及太古地產分別沽清及減持,增持恒生銀行及日清食品,亦初次買入AIA,大跌市無分貴賤。<br>
<a href="https://halfemptypapa.blogspot.com/2020/03/wuhan-review.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com12tag:blogger.com,1999:blog-7578268675493061083.post-75660091156719036172020-03-05T18:46:00.002+08:002020-03-08T09:43:55.089+08:00信用卡現金回贈2020攻略上文講<a href="https://halfemptypapa.blogspot.com/2020/01/family-expense--2019.html" target="_blank">家庭開支</a>,大家應該可以看到我們日常開支甚大。適當利用信用卡消費,可以賺取回贈,稍為幫補一下。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnOt4r-nQghQ7MUblX4gas0q0mTD30xYWbR5FtGHtjOH6E5CHUWIdEQN96111P6EGyVLWyvP60YZ9CKCyM6w8-0CZQIbSmaPvOXNYySU2ffzRw5B-J-aSelGqOrMj8XpvKDXvjjL8k6UL-/s1600/IMG_20200206_122754-01-01.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1067" data-original-width="1600" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnOt4r-nQghQ7MUblX4gas0q0mTD30xYWbR5FtGHtjOH6E5CHUWIdEQN96111P6EGyVLWyvP60YZ9CKCyM6w8-0CZQIbSmaPvOXNYySU2ffzRw5B-J-aSelGqOrMj8XpvKDXvjjL8k6UL-/s400/IMG_20200206_122754-01-01.jpeg" width="400"></a></div>
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對<a href="https://halfemptypapa.blogspot.com/2016/10/credit-card-2016.html" target="_blank">上一次在這裡談論信用卡已經是2016年</a>,事隔三年半,也是時候翻炒一次這話題。<br>
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先講我現在的選擇,括號內為現金回贈比率。<br>
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餐飲 > HSBC Visa Signature (3.6%)<br>
<a href="https://halfemptypapa.blogspot.com/2020/03/credit-card-cash-rebate-2020.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com12tag:blogger.com,1999:blog-7578268675493061083.post-34821558515753844152020-01-31T09:05:00.001+08:002020-02-01T08:18:24.935+08:00我們一家四口在2019年的開支以下是我們一家四口在2019年的家庭支出。每個家庭的情況都不同,也希望給各位一個參考。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj40VHRMJETeKsqA6i5wzoOuvwju7rK3UwPgL6_CXN0mjmQZW5ne211X9v9nCMglA6K8jW9UoVSAuiNB_Sra-Fu2CWuO7lIOWxYItWE8AZb1ATbWKTnW7B-FnRJpJ79IPj0FAperwBeFkdh/s1600/IMG_20200118_161809.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj40VHRMJETeKsqA6i5wzoOuvwju7rK3UwPgL6_CXN0mjmQZW5ne211X9v9nCMglA6K8jW9UoVSAuiNB_Sra-Fu2CWuO7lIOWxYItWE8AZb1ATbWKTnW7B-FnRJpJ79IPj0FAperwBeFkdh/s400/IMG_20200118_161809.jpg" width="400"></a></div>
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稅:$7,850<br>
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低收入家庭才能交這麼少稅。這裡並沒有使用任何特別的扣稅技巧,只是正常的夫婦及子女免稅額、強積金供款扣稅和數百元的捐款扣稅。大眾常用的<a href="https://halfemptypapa.blogspot.com/2016/12/parent-tax-allowance.html" target="_blank">父母免稅額</a>及按揭供款免稅額也沒有使用。<br>
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保險:$17,402<br>
<a href="https://halfemptypapa.blogspot.com/2020/01/family-expense--2019.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com26tag:blogger.com,1999:blog-7578268675493061083.post-74523226878263657232020-01-26T23:42:00.000+08:002020-02-07T11:56:41.957+08:00又一城重開及Mapletree North Asia Commercial Trust(RW0U)季度業績又一城在本月十六日重開,這次事件總共做成商場和辦公大樓分別停業六十四天和十三天。剛好Mapletree North Asia Commercial Trust(新加坡上市代號RW0U,簡稱MNACT)公佈2019年10月至12月的季度業績,同大家再睇下。<br>
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與上年同期比較,本季度盈利下跌36.3%,淨物業收入(NPI)下跌40.0%,每單位分派下跌13.3%,財政年度頭三季合併計算則分別下跌8.9%、10.0%和3.1%。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0FqTqvp7J4VfRsLndRh6sCsRV_583nU8s0Ymr0kdU4G7VLmHfDDe3s8MKo6KA27E8d_PpbclVTqswOVwvTHmwMI070_ToDbCcxBWMgqXJ5CIMcFLb3q9zbkp2f2ur3CcmmiqtPzUWCoUc/s1600/rw0u_dpu.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="MNACT quarterly DI and DPU" border="0" data-original-height="532" data-original-width="1009" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0FqTqvp7J4VfRsLndRh6sCsRV_583nU8s0Ymr0kdU4G7VLmHfDDe3s8MKo6KA27E8d_PpbclVTqswOVwvTHmwMI070_ToDbCcxBWMgqXJ5CIMcFLb3q9zbkp2f2ur3CcmmiqtPzUWCoUc/s400/rw0u_dpu.JPG" title="MNACT quarterly DI and DPU" width="504"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">MNACT歷年來每季分派紀錄</td></tr>
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<a href="https://halfemptypapa.blogspot.com/2019/12/mapletree-updates-and-queries.html">前文</a>提到,MNACT開立了名為Festival Walk Distribution Top Up的計劃,利用派發資本(Return of capital)來補助因為利潤減少而下跌的分派收入,這正可解釋為什麼每單位分派的下跌幅度比盈利少。細看每單位分派的組成,可以看到這次派息中資本佔了59.1%,而上一年度同一季度只是27.7%。<br>
<a href="https://halfemptypapa.blogspot.com/2020/01/festival-walk-reopening-and-rw0u-3q-result.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com8tag:blogger.com,1999:blog-7578268675493061083.post-64773584727926639502020-01-11T00:35:00.000+08:002020-02-07T11:56:58.728+08:00半桶水基金2019第四季季結半桶水投資基金2019年全年每單位計上升14.17%,稍稍突破左四月底既歷史高位。<br>
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簡單坦白講,無技術可言,上升下降都係跟大市,好嘢入得遲,衰嘢走得慢。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPA9oh_DkknWZIcya4PUZCDsoCKihHmmFXvUslddFgthCnmNb2i_scY43R7bjEEFlb7GaPuqu8yb_9WD03mZfgbuNHXY-OKeemFT7bJFkA2LJPtcXPhR_kg7lDzkRQq7hXhiwpTouZ_Ksu/s1600/IMG_20200108_173734-01.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPA9oh_DkknWZIcya4PUZCDsoCKihHmmFXvUslddFgthCnmNb2i_scY43R7bjEEFlb7GaPuqu8yb_9WD03mZfgbuNHXY-OKeemFT7bJFkA2LJPtcXPhR_kg7lDzkRQq7hXhiwpTouZ_Ksu/s400/IMG_20200108_173734-01.jpeg" width="400"></a></div>
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在業績公佈後終於將剩下的維他奶(345)全部賣出。每股盈利個位數增長配搭四十倍市盈率,有緣再會。<br>
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增持恒生銀行(11),組合內非理性地多本地股,不解釋。<br>
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招商銀行(3968)成為最佳股票及倉內最大持股,全年升幅達39.55%!表現最差的則為大快活(52),全年下跌24.24%!<br>
<a href="https://halfemptypapa.blogspot.com/2020/01/half-empty-funds-2019-4Q.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com6tag:blogger.com,1999:blog-7578268675493061083.post-88124930150150191382019-12-18T23:01:00.001+08:002020-02-07T11:57:25.837+08:00Mapletree North Asia Commercial Trust(RW0U)近況和質疑Mapletree North Asia Commercial Trust(新加坡上市代號RW0U,簡稱MNACT)近月發生了一些重要的事件,我稍為整理一下,最後提出一些質疑,看看大家的意見如何。<br>
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首先,又一城受到在十一月十一和十二日發生的“事件”影響,多處地方出現嚴重損毀,引致辦公大樓及商場從十一月十三日開始關閉維修。辦公大樓已在十一月二十六日重開,商場則預計最快也要明年第一季也能陸續開放。關閉期間將不向租户收取租金。<br>
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又一城貢獻MNACT的六成盈利,MNACT已<a href="https://www.mapletreenorthasiacommercialtrust.com/~/media/MNACT/Newsroom/Announcements/2019/Dec/MNACTM_UpdateonFWandMNACT_4Dec2019.pdf" target="_blank">宣佈預期十月至來年三月的兩個季度分派將會大幅減少</a>。為了舒緩分派減少對基金持有人的影響,MNACT將會實施名為Distribution Top-Up的計劃,簡單講就係派發本金(Return of capital)。<br>
<a href="https://halfemptypapa.blogspot.com/2019/12/mapletree-updates-and-queries.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com40tag:blogger.com,1999:blog-7578268675493061083.post-34632030445023365002019-10-09T22:47:00.000+08:002019-10-09T23:32:25.931+08:00陳慧琳同你講最多有400%回報既儲蓄保險陳慧琳都算係我呢一代八十後既集體回憶。<br>
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佢唱歌唔算一流,但會記得幾首佢既歌。演技非常一般,但又會記得幾套佢主演同客串既電影。加上佢係娛樂圈既實際活躍時期唔算好長,有咁既成績同人氣都算係天時地利人和既巧妙結合。<br>
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娛樂既野呢度唔講咁多,最後放幾張劇照俾大家重溫下就算。<br>
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番正題,陳慧琳最近幫某保險公司賣廣告,推銷一份名為「童創未來」的儲蓄保險,大大聲咁講可以有高達400%回報。<br>
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我哋講家庭理財,呢種以應付兒童將來教育需要為賣點的儲蓄保險產品,其實早就應該講。不過另一方面,我一直強調保險就係保險,唔應該混合儲蓄或投資,所以對儲蓄保險興趣不大。不過,今次見到陳慧琳(好啦,我都係承認係佢fans吧),無辦法唔捧場睇下。<br>
<a href="https://halfemptypapa.blogspot.com/2019/10/kelly-saving-insurance.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com16tag:blogger.com,1999:blog-7578268675493061083.post-65051061211071844542019-10-02T22:54:00.000+08:002020-02-07T11:55:05.417+08:00半桶水基金2019第三季季結我們的兩隻基金在本季也錄得下跌。<br>
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金錢上損失了,但心靈上受到的傷害更大。2019年第三季,我要求自己永遠不要忘記這段期間在香港發生的事。<br>
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本次只簡單列出基金單位價格、資產分佈和期內的買賣紀錄。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0JHZNn-fw0WXFTo4acdw6BGBcBycq6GIfEEpzbrkcRHbxb0cZVQMMcDmc8rqN7YqfFfn98rjQAh43BC6NBrsONgFUxXTlKqlqFFYpgoaFvu5nsUuqeT2tq2ipkKMARc2-DC-jfGRaoMbe/s1600/inv_fund_20193Q_performance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="499" data-original-width="954" height="207" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0JHZNn-fw0WXFTo4acdw6BGBcBycq6GIfEEpzbrkcRHbxb0cZVQMMcDmc8rqN7YqfFfn98rjQAh43BC6NBrsONgFUxXTlKqlqFFYpgoaFvu5nsUuqeT2tq2ipkKMARc2-DC-jfGRaoMbe/s400/inv_fund_20193Q_performance.png" width="400"></a></div>
<a href="https://halfemptypapa.blogspot.com/2019/10/half-empty-funds-2019-3Q.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com11tag:blogger.com,1999:blog-7578268675493061083.post-78427286843652703002019-09-17T00:00:00.002+08:002019-09-18T14:21:21.841+08:00投資台灣股市有<a href="https://halfemptypapa.blogspot.com/2019/08/when-would-hk-listed-reits-buy-asset.html?showComment=1567655799734#c734365325415546514" target="_blank">留言</a>問到底有咩人民幣貶值受惠股,呢個問題真係好難答。或者可以轉諗另一個簡單小小既問題,中美貿易戰受惠股。<br>
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其實係咪真係受惠都好難講,兩個大隻佬打交,旁觀者被打中既受傷害程度隨時更大。<br>
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點都好,貿易戰加快左美國資金將廠房移離中國既速度。而鄰近國家當中,以越南和台灣得到最多新資金既青睞。越南老實講真係唔識,台灣就旅行去到熟哂。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_jK1S6cAkU44OBRS44rSj775n-uvxrXMfASwxF0LtJO7y0lABs6XCaAPnY4zlbBkfkJmTCn9bJOeAefkPeRSw5Pc_S3emcOW5yuMHf93d2V__LL8obresZqB24zI2vydYzaTxS89SstgP/s1600/IMG_20190916_233552-01.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1600" data-original-width="1068" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_jK1S6cAkU44OBRS44rSj775n-uvxrXMfASwxF0LtJO7y0lABs6XCaAPnY4zlbBkfkJmTCn9bJOeAefkPeRSw5Pc_S3emcOW5yuMHf93d2V__LL8obresZqB24zI2vydYzaTxS89SstgP/s400/IMG_20190916_233552-01.jpeg" width="266"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small; text-align: start;">大家去過幾多個縣市?<span style="text-align: start;">(</span>台東布農族送的小禮物</span><span style="font-size: 12.8px;">)</span></td></tr>
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近年身邊好多朋友移民去台灣,投資台灣樓準備將來退休作自住或保值既亦有。網上已經有好多人講台灣樓,我今次講股票市場。<br>
<a href="https://halfemptypapa.blogspot.com/2019/09/taiwan-stock-market.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com13tag:blogger.com,1999:blog-7578268675493061083.post-19687540717787628592019-08-27T18:24:00.000+08:002019-08-27T18:24:49.212+08:00香港的房託(REITs)幾時先出手買貨?我在大約一年前的文章寫到<a href="https://halfemptypapa.blogspot.com/2018/09/aggressive-reit.html" target="_blank">新加坡上市的房託比香港的進取</a>,常以供股或配股的方式去集資增添基金管理的物業資產,而香港除了市值最大的領展(823)外,其他在本地掛牌的房託基金已經多年沒有進行任何收購。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht7g7LSfejCNIf3Cbfjw1AuLDUBMmLD9CzTz_j3qc8zBGXo0SR6Ie8r7cqAKb5V03ppdX548gKx-JOh_E5bB3wd8W1zQCNWwwAomy6tcNXT-xyS7rRyZQGg1FYHvnwIP0PKq-hCPg3QERd/s1600/IMG_20190809_071701-01.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1600" data-original-width="1598" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht7g7LSfejCNIf3Cbfjw1AuLDUBMmLD9CzTz_j3qc8zBGXo0SR6Ie8r7cqAKb5V03ppdX548gKx-JOh_E5bB3wd8W1zQCNWwwAomy6tcNXT-xyS7rRyZQGg1FYHvnwIP0PKq-hCPg3QERd/s400/IMG_20190809_071701-01.jpeg" width="398"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">我只想做懶洋洋的投資者,卻不希望遇到懶洋洋的基金經理</td></tr>
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金融世界變幻莫測,大半年前很多公司還在減債應對加息潮,但結果加息潮只是曇花一現,現在侵侵已經在推動減息了。早前的減債,便恰好製造了更大的收購空間。<br>
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睇睇兩個數字。<br>
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先睇資產負債比率,REIT的負債上限為總資產的45%。公道咁講,如果物業估值下降,縱使負債不變,這比率也會因為分母減少而上升,所以房託不能讓這比率太過接近上限。<br>
<a href="https://halfemptypapa.blogspot.com/2019/08/when-would-hk-listed-reits-buy-asset.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com27tag:blogger.com,1999:blog-7578268675493061083.post-29463354421954424232019-08-06T13:46:00.002+08:002019-08-10T13:00:46.123+08:00生活選股的考慮 經營刀嘜和斧頭牌的南順(411)早一陣子,我在家中發現,原來家中存有多支不同款式的斧頭牌(AXE)洗潔精,還有洗衣液也是使用斧頭牌的產品。轉頭一睇,原來食油也是使用刀嘜牌(之前去工展會發現刀嘜同斧頭牌均屬於南順集團)。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnIc5jRws7iuJPJVBum_1e4ZJt3JFqhe_98xNeGP_fTZF7iq4WfZ34H0-jXXNV3d8MHBOjXA2bQrAhAKlWbWt8xxkDTn3fXeBzh0ETuyVuJpL2DBa5gFOmz5kgQiEsAM75exJCw0yDbgk0/s1600/IMG_20190805_072128.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="AXE洗潔精和洗衣液" border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhnIc5jRws7iuJPJVBum_1e4ZJt3JFqhe_98xNeGP_fTZF7iq4WfZ34H0-jXXNV3d8MHBOjXA2bQrAhAKlWbWt8xxkDTn3fXeBzh0ETuyVuJpL2DBa5gFOmz5kgQiEsAM75exJCw0yDbgk0/s400/IMG_20190805_072128.jpg" title="" width="400"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">壟斷了我屋企的AXE清潔液</td></tr>
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《彼得林奇的成功投資》是我最早接觸的投資書籍,書內的很多理論也成為我投資知識的基礎,包括在生活中選股。<br>
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神檯級基金經理Peter Lynch先生在著作中提醒大家,一般市民都可以在日常生活中發現好股,甚至可以比離地的金融界更早觀察到公司的實際市況變化。<br>
<a href="https://halfemptypapa.blogspot.com/2019/08/lamsoon.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com14tag:blogger.com,1999:blog-7578268675493061083.post-16390725979177788172019-07-28T01:04:00.001+08:002019-08-10T13:02:05.726+08:00社會運動中成長的太古地產(1972)高盛和美銀美林兩大投行近日發表報告,預測本地辦公室租金回落,調低太古地產(1972)和冠君產業信託(2778)這兩隻以出租甲級寫字樓為主要收入來源的目標價。<br>
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大家都好清楚香港近期咩環境。政治問題,政治未能解決,民生和商業活動均受到一定影響。社會運動遍地開花,令到不少地區的零售商場都受到從未遇過的考驗。正常情況下,商場管理人員那會有機會遇上以百人計的示威衝突。而上面提到的兩間公司,在這方面便比其他公司擁有豐富得多的經驗。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoTj2HjQsiZ9sIiYKKVbJR7qsdEYQMW2AYrJtZtP8tVx7XCB75qO6WT4gEeGd3fPyrhZN7pkDDIa7p4oneydNoLoAckokFE70j_ywjreBsx8cz2QTSRBDcertqnkjiktIje_njTl3ToVn0/s1600/nSJt6Hp.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="充斥和平人士的太古廣場" border="0" data-original-height="640" data-original-width="960" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoTj2HjQsiZ9sIiYKKVbJR7qsdEYQMW2AYrJtZtP8tVx7XCB75qO6WT4gEeGd3fPyrhZN7pkDDIa7p4oneydNoLoAckokFE70j_ywjreBsx8cz2QTSRBDcertqnkjiktIje_njTl3ToVn0/s400/nSJt6Hp.png" title="" width="400"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">熱鬧和平的太古廣場(網上圖片)</td></tr>
</tbody></table>
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太古地產(1972)旗下的太古廣場在六月金鐘發生的數次衝突中,管理人員表現駕輕就熟,堅守本份亦沒得失任何一方,備受稱讚。<br>
<a href="https://halfemptypapa.blogspot.com/2019/07/swire-properties-anti-fragile.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com6tag:blogger.com,1999:blog-7578268675493061083.post-52597404950985107112019-07-24T19:00:00.000+08:002019-07-25T08:27:26.202+08:00將讀者的讚賞轉化為作者的收入(在Blogspot加入LikeCoin按鈕,賺取LikeCoin)近半年在一些大型網上文章平台,例如medium和立場新聞,也看到文章的結尾出現像以下這些拍手掌的標語。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihMKmNsQvp8BGYiJ7TPn1N8_Rox4Nn2PYBwm1QBK-dN-Nh_7zkZ25sXqZSSUS_R45NWIOFxczmGEwrmKtDLWkx4OU5Vlc-bdvKtobGspCMw68OIJ2IDZm2TfjNMtNpUftx-HayKouLx-Fx/s1600/Screenshot_2019-07-24-18-36-46.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="608" data-original-width="1514" height="128" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihMKmNsQvp8BGYiJ7TPn1N8_Rox4Nn2PYBwm1QBK-dN-Nh_7zkZ25sXqZSSUS_R45NWIOFxczmGEwrmKtDLWkx4OU5Vlc-bdvKtobGspCMw68OIJ2IDZm2TfjNMtNpUftx-HayKouLx-Fx/s320/Screenshot_2019-07-24-18-36-46.jpg" width="320"></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKxNFj3KYTYbLsF5DJy7AwU1TkoKRGdan8PDz7RXGj7zG-1_SHyU-jxyzU8OGkykxYg4GrgPQvBTOJ9Xk-T_fFidpQJJtHDiMGquj5lL5msbdAM7scKtSuGCR0QPHXsGNiX7JkgQj6T22h/s1600/Screenshot_2019-07-24-18-33-34.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="641" data-original-width="1600" height="128" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKxNFj3KYTYbLsF5DJy7AwU1TkoKRGdan8PDz7RXGj7zG-1_SHyU-jxyzU8OGkykxYg4GrgPQvBTOJ9Xk-T_fFidpQJJtHDiMGquj5lL5msbdAM7scKtSuGCR0QPHXsGNiX7JkgQj6T22h/s320/Screenshot_2019-07-24-18-33-34.jpg" width="320"></a></div>
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昨天花了一點時間去研究,原來這個名為<a href="https://like.co/" target="_blank">LikeCoin</a>的項目,目的是將讀者對作者的讚賞轉化為酬勞。有點兒類似打賞,有咩分別下面再講。<br>
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剛好上週止凡兄發佈了一篇<a href="http://cpleung826.blogspot.com/2019/07/blogger.html" target="_blank">文章</a>,大意係讀者如何在遇到喜歡的文章時,為網上作者帶來一點點的經濟收入以作支持。當中止凡兄提到按AdSense廣告,我也認同這方法。<br>
<a href="https://halfemptypapa.blogspot.com/2019/07/likecoin.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com8tag:blogger.com,1999:blog-7578268675493061083.post-13811669375067641282019-07-12T19:10:00.001+08:002019-07-12T19:12:05.015+08:00第二管道收入幾個月前,跟一位工作上很可靠的前輩食飯,話題自然離不開工作上的難處和穩定性。前輩最後語重心長地告誡我和另一位跟我年齡相若的同事,在我們這個年紀(即是踏入職場接近十多年),真的要積極考慮建立second source of income(第二管道收入),不能依靠單一工資收入。<br>
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGNq80ubObNruTFaQa2LV4M6rMOxtFT6dqNHoBeHmi4EG4UytIMabRmI9n9IY0hQ7ZxRUYPS4dLEyJ2B8wlCysAHELl2V6nVcoBiN1o98i3PcAhotUlx8Ek6AXrPy4E2SnIhHslfpcpJtP/s1600/IMG_20190711_003054.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGNq80ubObNruTFaQa2LV4M6rMOxtFT6dqNHoBeHmi4EG4UytIMabRmI9n9IY0hQ7ZxRUYPS4dLEyJ2B8wlCysAHELl2V6nVcoBiN1o98i3PcAhotUlx8Ek6AXrPy4E2SnIhHslfpcpJtP/s400/IMG_20190711_003054.jpg" width="400"></a></div><br>
《反脆弱》入面多次提及,工資收入是脆弱的,人事部一個通知已經可以立即打破所有看似穩定的收入和福利。縱使這道理顯淺易明,但出自熟悉的前輩,影響力的重量還是有點不同。<br>
<a href="https://halfemptypapa.blogspot.com/2019/07/second-source-of-income.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com14tag:blogger.com,1999:blog-7578268675493061083.post-56703404938087097812019-07-01T01:18:00.003+08:002019-07-01T01:18:23.338+08:00半桶水基金2019第二季季結半桶水投資基金今年累升13.12%,略勝於恆生指數的10.4%,不及標普五百的17.3%和鈉指的21.19%,再次顯示我們牛市跑得慢的問題。基金曾在五月底的時候打破每單位基金價格歷史新高,但其後便反覆至現在的位置。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR34J9w_wRZ5XkvXUfNNsmAQcNPpwjvmEIZB_aKQ-un7YCMIBRu9NDFw1C1DHgEc5WVEahPvokBYlBhykwla8_eqkbUDkrXVe3Skg1EyMIXd9Pc8avmeRi_Flt8aJsLpprAxYDfqwvY6fq/s1600/inv_fund_20192Q_performance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="354" data-original-width="675" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR34J9w_wRZ5XkvXUfNNsmAQcNPpwjvmEIZB_aKQ-un7YCMIBRu9NDFw1C1DHgEc5WVEahPvokBYlBhykwla8_eqkbUDkrXVe3Skg1EyMIXd9Pc8avmeRi_Flt8aJsLpprAxYDfqwvY6fq/s640/inv_fund_20192Q_performance.png" width="640"></a></div>
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我們第二季都在賣貨,五月中清掉了長江基建(1038),六月中在業績前減持了一半維他奶(345)。五月的時候曾經準備買貨,我們參考的RSI週線和<a href="https://fukluksau.blogspot.com/" target="_blank">全家福祿壽</a>的恆指沸騰指數也接近入貨界線,可惜便是早了反彈。<br>
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現在我們的現金比例高達百份之四十七!<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlpEbf0qx5ExSRPs59CJdHmUh8Y5SFmjaTeNp0PGkzCvCI6s1Lo4sI2Uli8MjwRrdfX9MGVG1CrbSoaiN2AQOY-JVBSaIMqVAf0KZU4pALHGrF8gpy4wpWnvsnAu-mGYwe6YcLsHyUu7Ma/s1600/inv_fund_20192Q_allocation.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="371" data-original-width="571" height="414" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlpEbf0qx5ExSRPs59CJdHmUh8Y5SFmjaTeNp0PGkzCvCI6s1Lo4sI2Uli8MjwRrdfX9MGVG1CrbSoaiN2AQOY-JVBSaIMqVAf0KZU4pALHGrF8gpy4wpWnvsnAu-mGYwe6YcLsHyUu7Ma/s640/inv_fund_20192Q_allocation.png" width="640"></a></div>
<a href="https://halfemptypapa.blogspot.com/2019/07/half-empty-funds-2019-2Q.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com8tag:blogger.com,1999:blog-7578268675493061083.post-71291649680255859372019-05-31T23:47:00.001+08:002019-05-31T23:47:53.196+08:00最重要的事在養大一個小朋友的過程,總會遇上很多不受我們控制的事情,很容易令到家長感到十分無助。每次遇到這些情況,我開解自己的方法是回想一下甚麼才是最重要的事情。<br>
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回想一下,在太太剛剛懷孕,每一次產前檢查,每一次等候化驗結果的情境。那個時候我不會想到孩子要進入甚麼名校,不會想到孩子將來要怎樣百般武藝,我只希望太太身體正常,孩子在媽媽肚內平安長大。<br>
<a href="https://halfemptypapa.blogspot.com/2019/05/most-important-thing.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com12tag:blogger.com,1999:blog-7578268675493061083.post-38535401729998853242019-05-19T13:53:00.000+08:002019-05-19T13:53:10.139+08:00Google AdSense收入在香港是否需要交稅Google AdSense收入在香港是否需要交稅?要,Google AdSense給網主的款項需要報稅。<br>
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話說本網站由大約兩年多前開始放置AdSense廣告,多謝各位一直的支持,於2018年終於累積夠八百大元這條支付界限,收到由Google直接傳入户口的款項。<br>
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好了,最近收到香港稅局的綠色信封,需要為剛過去的年度報稅,我便好奇地諗,這些從Google收到的收入是否需要報稅呢?<br>
<a href="https://halfemptypapa.blogspot.com/2019/05/adsense-income-taxable-hong-kong.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com22tag:blogger.com,1999:blog-7578268675493061083.post-88142615747873300972019-04-30T18:53:00.000+08:002019-04-30T18:53:17.296+08:00利用強積金可扣稅自願性供款(TVC)慳稅,每月兩厘回報,朋友訓醒未?朋友傳來一幅電視新聞的截圖,內容是利用強積金可扣稅自願性供款(TVC)來慳稅,變相賺取回報。儲錢可以慳稅,一年儲三萬六千元可以慳五千幾蚊稅,看似很吸引,立即睇下。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLp-pOdHuxlAFJLYCBN0u_Vw1Sascw6isPKtcxvE5LvTOidm1Gz5h32wtu5SgN68TRF1IyG0AZH9MIwkKeTiBMVlEnRencsiZQm9Ht7NxyLVlOYVasqzHllhd1vmA5wLb_dRuLasYwtGXN/s1600/IMG-20190429-WA0001.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1599" data-original-width="900" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLp-pOdHuxlAFJLYCBN0u_Vw1Sascw6isPKtcxvE5LvTOidm1Gz5h32wtu5SgN68TRF1IyG0AZH9MIwkKeTiBMVlEnRencsiZQm9Ht7NxyLVlOYVasqzHllhd1vmA5wLb_dRuLasYwtGXN/s320/IMG-20190429-WA0001.jpg" width="179"></a></div>
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個案假設月薪三萬,年薪三十六萬,強制性供款本身為每月一千五百元,現在於可扣稅自願性供款(TVC)每月多供三千元。<br>
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稅項的計算如下:<br>
<a href="https://halfemptypapa.blogspot.com/2019/04/tvc-mystery.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com23tag:blogger.com,1999:blog-7578268675493061083.post-62814707656890452222019-04-12T13:00:00.000+08:002019-04-12T13:00:00.949+08:00零成本的住院現金保障計劃?有朋友收到中銀人壽cold call,推銷住院現金保單。月供十年,不管中途有沒有索償,十年後均可以全數取回已繳總保費的 101%。朋友仔問我除左蝕通脹之外,有無古惑。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhykdbTWHHskqpGSOQP4vwApNyS2oydFC0QaZWmDM-wwt4JnKYUtBNghyphenhyphen9HTiJtQ4YuUaOEesRvmRGEVs2wr_6tt3hQOshd-LbsIL206yxP_0soRGcEaxTj8tJXHfAT8AZjoSpTXAO3G2jM/s1600/IMG_20190331_142217-01.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhykdbTWHHskqpGSOQP4vwApNyS2oydFC0QaZWmDM-wwt4JnKYUtBNghyphenhyphen9HTiJtQ4YuUaOEesRvmRGEVs2wr_6tt3hQOshd-LbsIL206yxP_0soRGcEaxTj8tJXHfAT8AZjoSpTXAO3G2jM/s400/IMG_20190331_142217-01.jpeg" width="400"></a></div>
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我從來都無認真睇過住院現金保單,今次乘機研究下。<br>
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谷歌搵到中銀人壽有一個“<a href="https://www.boclife.com.hk/tc/life_insurance_plan/products/Medi-Dollars_Hospital_Cash_Plan.html" target="_blank">康盈住院現金回贈保障計劃</a>”,完全吻合朋友的描述。<br>
<a href="https://halfemptypapa.blogspot.com/2019/04/hospital-cash-insurance.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com4tag:blogger.com,1999:blog-7578268675493061083.post-15876641673386614532019-04-01T00:31:00.000+08:002019-04-01T00:31:29.865+08:00半桶水基金2019第一季季結投資市場比近年大自然的天氣更加變幻莫測,市場人士好像已經將前一年的擔憂完全忘記。縱使脫歐期限和中美貿易的停戰期限也已經近在咫尺,一個停止縮表的決定,已經足以令資產價格再度起舞。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvH7GQyzkpgsA3kP4XkUVho5rVRkZhzR0gBMj7hSza4LfSkyTcs2r07MLPPv0rPf4RBnj7MXBq5wY9Ove84dG1qdMGLdQJfsmqtdzZ-KOCFfdz-wvdUU2JRIugfR6jqR3wy9KRIupeZ7H5/s1600/IMG_20190216_102909-01.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1067" data-original-width="1600" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvH7GQyzkpgsA3kP4XkUVho5rVRkZhzR0gBMj7hSza4LfSkyTcs2r07MLPPv0rPf4RBnj7MXBq5wY9Ove84dG1qdMGLdQJfsmqtdzZ-KOCFfdz-wvdUU2JRIugfR6jqR3wy9KRIupeZ7H5/s400/IMG_20190216_102909-01.jpeg" width="400"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">雨後彩虹還是最後派對?</td></tr>
</tbody></table>
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我們兩隻半桶水基金在一月份已經完全收復2018年的損失,升勢亦一直廷續至第一季結束。非常坦白,當中全無技巧可言,只是跟隨市場上升。<br>
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半桶水投資基金在第一季上升12%,每單位價格破了我們自2017年成立以來的歷史高位,之前的高位在2018年的一月底。<br>
<a href="https://halfemptypapa.blogspot.com/2019/04/half-empty-funds-2019-1Q.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com7tag:blogger.com,1999:blog-7578268675493061083.post-66865970812057429932019-03-03T02:12:00.002+08:002019-03-03T02:34:51.992+08:00強積金自由行的空窗期(及失控期)今次係強積金轉換的最後一篇,回顧一下,第一篇講<a href="https://halfemptypapa.blogspot.com/2019/01/mpf-switching.html" target="_blank">強積金自由行的局限性</a>,第二篇講<a href="https://halfemptypapa.blogspot.com/2019/01/mpf-hk-stock-funds.html" target="_blank">永明香港股票基金</a>,最後一篇講空窗期。<br>
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghqmtOy5NmvIPDUvneU0uftlAW_Wn2ayqLBgUdHRyzCAWvfDUcRHr2r_i7loDivjt6z6z9WZXmc_JTjp5DJIas1z04asKL1Pz1nhSohQ9uUViVSONNLRXjfR9oG3dXyP4wEKO7cazTlMHa/s1600/1483419576065-01.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1143" data-original-width="1080" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghqmtOy5NmvIPDUvneU0uftlAW_Wn2ayqLBgUdHRyzCAWvfDUcRHr2r_i7loDivjt6z6z9WZXmc_JTjp5DJIas1z04asKL1Pz1nhSohQ9uUViVSONNLRXjfR9oG3dXyP4wEKO7cazTlMHa/s400/1483419576065-01.jpeg" width="377"></a></div><div class="separator" style="clear: both; text-align: center;"></div><br>
先假設我們由原先的強積金公司(以下簡稱為公司A)把資金自由行轉去另一間強積金公司(以下簡稱為公司B)。<br>
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強積金轉換空窗期的定義是公司A賣出我們的基金後,把現金轉到公司B,然後直至公司B買入基金的這段時間。這段時間不論市場怎樣變化,因為我們的資產脫離了市場,升跌多少也對我們的這筆資產沒有任何關係,所以便稱為空窗期。空窗期造成的風險便是錯過市場的升幅,或避過市場的跌幅。<br>
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我是在一月十三日簽申請表的,當天是星期日,恆指週五收市價為26,667點,兩週後的收市價為27,569點,升幅百份之三點三。<br>
<a href="https://halfemptypapa.blogspot.com/2019/03/mpf-switching-window-period.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com10tag:blogger.com,1999:blog-7578268675493061083.post-78712418051101778662019-02-18T00:58:00.000+08:002019-02-19T12:13:00.286+08:00息口對十倍槓桿保險融資的影響(向皮老闆借題發揮)早前皮老闆分享了一個<a href="http://hk70s.blogspot.com/2019/02/blog-post.html" target="_blank">十倍槓桿保險融資計劃</a>,資料如下:<br>
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保額:800萬<br>
貸款:754萬 <br>
首期:46萬 <br>
貸款年息率:2.5厘(和P掛鈎的)<br>
假如息率不變下,每年還息:18.85萬<br>
三年後贖回可得:881萬<br>
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皮老闆忙於享受半退休生活,文章言簡意賅,短短幾點風險提示都講左加息兩次,再加一句“邊有咁大隻XX隨街跳?”,我們應該心領神會。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0ANLd24JSBoRDN6W3bk9b5o8ndUcFFe7rENidy9UcWqXCMIn8O-R9FK1s-cRi1minMHo0SiXIPm-a8Fze9XRb5LsEk0ZM-Wo66TkktqxrRsOT8pS5hdug8yIS4GR3bZzexRYeyRrPuCBf/s1600/plankton_lego.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="800" data-original-width="600" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0ANLd24JSBoRDN6W3bk9b5o8ndUcFFe7rENidy9UcWqXCMIn8O-R9FK1s-cRi1minMHo0SiXIPm-a8Fze9XRb5LsEk0ZM-Wo66TkktqxrRsOT8pS5hdug8yIS4GR3bZzexRYeyRrPuCBf/s400/plankton_lego.jpg" width="300"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">皮老闆...(<a href="https://www.flickr.com/photos/legoalbert/6928215453" target="_blank">網上圖片</a>)</td></tr>
</tbody></table>
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我今次就借題發揮,睇下息口對這個十倍槓桿保險融資計劃(保費融資/Premium Financing)的回報有咩影響。<br>
<a href="https://halfemptypapa.blogspot.com/2019/02/premium-financing-irr.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com21tag:blogger.com,1999:blog-7578268675493061083.post-84408397771470267662019-02-04T01:44:00.000+08:002019-02-04T07:54:50.754+08:00置富產業信託(778)2018年業績之謎在剛過去的一月,我們持有的Mapletree North Asia Commercial Trust(RW0U)和置富產業信託(778)分別公佈了2018年第三季業績和全年業績,這兩隻房託均屬於半桶水固定收益基金內較大的投資,所以我們也花了點時間去細閱其業績。<br>
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Mapletree North Asia Commercial Trust(RW0U)在2018年的上半年買入了一籃子日本物業,<a href="http://halfemptypapa.blogspot.com/2018/04/mapletree-japan-acquisition.html" target="_blank">我們也有對此作出分析</a>。當時我們擔心這收購增加了收入穩定性,卻可能犧牲了增長力。但經過了風高浪急的下半年,相信大家也會愈來愈認同穩定也是不錯的選擇。<br>
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當時的公告有推演該收購可以為Mapletree North Asia Commercial Trust(RW0U)在2016和2017分別提升多少盈利,我們留待全年業績公佈後有機會才再來觀察。<br>
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今次主要想講置富產業信託(778)的2018全年業績。<br>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGI3_vm9cdoaU-djQ0FOwqiaSnfQi-VPx7sB3iCmZUSPjDeI6P-UEg3Ws37tPES_gWtDXA9udPak_iicj3IQEYIhoeY8HU3v7S1hcs_eMkM-gUsSS_J36IUJcHfbCeEbxeFz4KgD8KTLrU/s1600/fortune.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="381" data-original-width="1111" height="217" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGI3_vm9cdoaU-djQ0FOwqiaSnfQi-VPx7sB3iCmZUSPjDeI6P-UEg3Ws37tPES_gWtDXA9udPak_iicj3IQEYIhoeY8HU3v7S1hcs_eMkM-gUsSS_J36IUJcHfbCeEbxeFz4KgD8KTLrU/s640/fortune.jpg" width="640"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">圖片取自置富Malls網站</td></tr>
</tbody></table>
<a href="https://halfemptypapa.blogspot.com/2019/02/fortune-reit-2018-result.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com8tag:blogger.com,1999:blog-7578268675493061083.post-60384811102339259482019-01-28T14:19:00.002+08:002019-01-28T14:20:08.810+08:00有味道的回憶差不多十年前,那個時候還未結婚,和當時的女朋友(即是現在的太太)正在準備婚禮,去了很多間不同的酒店視察婚宴場地,最後我們選擇了在尖沙咀的海景嘉福酒店。<br>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifCXKLe96LVQ_lxx2xU9QeZ3cM8ptisZGIiMTeccNDMpeSBILUlUWC37dbMlFM9wum8sqpyym43lQurZQdvFqzLAg23aghFdowVllNDsUY234S7-JgsQXaYvRCksqex6HCwSH9SlmHszGu/s1600/IMG_20190126_121342-01.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifCXKLe96LVQ_lxx2xU9QeZ3cM8ptisZGIiMTeccNDMpeSBILUlUWC37dbMlFM9wum8sqpyym43lQurZQdvFqzLAg23aghFdowVllNDsUY234S7-JgsQXaYvRCksqex6HCwSH9SlmHszGu/s400/IMG_20190126_121342-01.jpeg" width="400"></a></div>
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關於這酒店,我們當然有很多快樂的回憶,畢竟是由一個人變為兩個人的人生大事。<br>
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而這酒店的獨特氣味,也為我們的回憶增添上香味。這酒店從大門進入開始,整間酒店也彌漫著同一種香氣,從預約參觀,跟著簽約,事前的準備和婚宴當天,我們去了很多次這間酒店,我們可以只憑嗅覺便知道自己已經身處於這酒店之內。<br>
<a href="https://halfemptypapa.blogspot.com/2019/01/good-scent.html#more">閱讀更多 »</a>Darth Mikehttp://www.blogger.com/profile/10045086852677758860noreply@blogger.com0