Friday, October 16, 2020

一哥月供 (第9期)

日期總數量平均買入價股價盈富總價值股息
10/16/2020518HK$25.1725.22HK$13,063.96HK$20.79
日期總數量平均買入價股價友邦總價值股息
10/16/2020175HK$75.5978.10HK$13,667.50HK$74.64

2020 一哥 (月供盈富、友邦)
盈富 (月供$1500)友邦 (月供$1500)
數量股價月供金額數量股價月供金額
Feb53HK$27.85HK$1,476.05Feb18HK$80.50HK$1,449.00
Mar57HK$25.75HK$1,467.75Mar20HK$72.70HK$1,454.00
Apr60HK$24.65HK$1,479.00Apr21HK$71.05HK$1,492.05
May61HK$24.45HK$1,491.45May21HK$68.90HK$1,446.90
Jun58HK$25.28HK$1,466.24Jun20HK$73.15HK$1,463.00
Jul55HK$26.54HK$1,459.70Jul19HK$75.70HK$1,438.30
Aug57HK$25.58HK$1,458.06Aug20HK$72.60HK$1,452.00
Sep59HK$25.14HK$1,483.26Sep18HK$80.65HK$1,452.00
Oct58HK$25.42HK$1,474.36Oct18HK$80.80HK$1,454.40
NovNov
DecDec
總計518HK$13,256總計175HK$13,101.65

一哥倉儲
DateSoldSymbolStockBoughtSoldLastVolumeValueGain/lose
22/08/20192800盈富基金$25.17$25.22518$13,063.96$78.97
12/10/20190012恒基地產$38.15$28.80230$6,624.00-$2,166.36
18/12/20196823香港電訊-SS$11.14$10.42250$2,605.00-$185.76
20/01/20200066港鐵公司$47.55$38.85110$4,273.50-$966.46
12/02/20201299友邦保險$75.588$78.10175$13,667.50$510.49
19/06/201929/01/20201928金沙中國有限公司$37.55$39.10100$3,910.00$140.39
13/09/201930/01/20206055中煙香港$22.95$15.60$15.00100$1,560.00-$750.20
29/01/202009/07/20201083港華燃氣$5.06$3.92800$3,136.00-$1,072.85
Stock Value:
$40,233.96
Gain/ Lose:
-$4,411.78

 檢討:

睇返一哥個倉,我先記得買入咗呢堆舊經濟股。

作為存股族,只買不賣,完全唔止蝕。如果買中倍升股,當然冇問題。牛市,個個都可以做股神。但3月至今,低位冇溝淡,現在仍做蟹。

傻貓眼光咁差,難怪佢加咗人工、佣金,都唔再畀錢我投資。


佢最近買入咗有贊8083 (成本價$1.5), 仲買咗圓通6123,另外有3隻唔知乜嘢。

總之,佢肯講,我就聽。佢唔講,我唔會問。


佢話而家要供樓,唔會買咁多牛熊證。

我認為: 就算佢買牛熊證,都係佢用自己錢,玩遊戲,考眼光。

買中,佢唔會喜形於色;輸咗,佢又唔會發脾氣。

都幾好丫。

投資、投機都好,佢自己決定啦。

Thursday, October 15, 2020

營商有道:由教師變身補習老師,問題天天都多


 


傻貓今個月好灰。

10月收支結算:

收入支出
補習社收入(至Oct 15)$23,160補習社租金$5,000
物業1租金收入(扣除供樓)$6,100AIA 易達安心保(Oct 23)$14,853
物業2租金收入(扣除供樓)$1,000投資課程(學估值、期權)$3,260
批改作文$60(學鋼琴)$2,090
代寫論文$0物業1管理費$700
物業2管理費$400
物業1驗樓尾數$1,500
物業2消防費用$18,000
商業寬頻$394
$30,320$46,197
-$15,877.00
當然,仲有好多日常駛費,冇計。但收入,就係得咁多。論文,我習慣做晒,先問人收錢。所以未有數。

我發現愈嚟愈多家長、學生,會遲交學費。少就遲1星期,多就遲3個月至半年。
之前疫情,停課。現時好多學生,仲用緊去年12月嘅學費上堂。
又有唔少家長,學生升咗班,但冇跟收費表,交新學費。每堂差$20,一個月就差$80.
仲有好多家長,畀緊暑期班嘅優惠價,唔係跟常規班嘅學費。
3年幾前兼職,已經係呢個學費。一直都冇加過。

我面皮太薄,唔知點追學費。又怕家長知道加咗價、冇優惠,會停補。

自從由南豐商廈舖,搬嚟呢個小商場,仲要位處邊陲,已經流失好多學生。
加上好多名校生移民,之前幫佢哋應付完IELTS、外國的入學試,佢哋就bye bye. 男拔現時只餘一個學生,拔萃小學得3個,女拔、協恩,走晒。

我的小腦袋,諗到嘅開源方法:代做功課、批改作文,導致壓力大增,右手的皮膚開始起水泡、脫皮,皮層變厚; 手肘開始起粒粒,背部、大腿都好痕; 經常肚瀉; 下腹、腿部水腫加劇;經期遲10日都未到,驗咗又唔係bingo.
代做功課,可以博覽群書,仲有教授評分,其實我係好鍾意嘅。但始終上堂嘅唔係自己,唔知教授有冇既定立場,我本身又唔係嗰個行業嘅人,好多嘢只靠睇書,冇實戰經驗,畀唔到實例去支持論點。最重要係: 份功課係人哋嘅,我唔想累人哋攞低分。自己又完美主義,好多時改完又改,真係限期前1-2日,先畀到客人。被人催促,我會好緊張。

一哥非常反對我接freelance jobs. 
佢: "你改1份作文,收幾錢?"
貓: "$30喔,良心價嚟。可以幫到人呀。"
佢: "你做1份論文,用幾多時間?"
貓: "個幾禮拜啦。要睇好多書,做好多資料蒐集,先寫得好呀。"
佢: "你1堂幾多個學生?"
貓: "2至5啦。今日有一堂,唔知點解搞咗10個出嚟。現場6個,視像4個。仲有好多筆記未打好,好多作文、試卷未改好。"
佢: "補習先係你嘅主要收入,點解唔花多d時間,做好佢?你收多1個學生,1堂最少都已經$180啦。你畀心機教好佢哋,佢哋推薦你畀其他家長,收到更多學生。係咪仲好?"
貓: "搬咗舖,冇新生呀。"
佢: "你可以繼續做兼職,但係好好分配吓時間啦。如果冇錢,我有。"
貓: "知道了。"

回想當日,決定放棄教席,轉行補習。內心掙扎咗好耐。(見: 漂亮的鹿角)
疫情期間,補習社寒冬期(見: 補習寒冰期),但教書嘅舊同事,人工照收,1星期zoom 1-2堂,仲可以幾位同級嘅老師,輪流教2班咁zoom. 
復課後,我寄咗幾封emails, 搵代課。可能本身教中學,但請人嘅都係小學,加上傻貓好老實咁,喺resume寫自己做補習社,所有申請,石沉大海。

眼見幾位同事,好恨有B,都因為工作壓力大,流產了。
Wing 為了陀B, 不惜辭去小學教席,去中大校外進修學院,學中醫課程,用食療、艾炙調理身體。雖然第一次bingo都流產,但現時BB已7個月,就嚟生得。
任同學,之前在港島頂級名校教,極速上位至科主任。為了生B,她辭職做家庭主婦。現在孩子都3歲喇。
我就嚟42喇。之前5年有愛冇性,錯過了生育的黃金時期。如果返學校教書,成孕機會更低。已經唔係怕唔怕做高齡產婦嘅問題,而係想,都冇得做。

好想有個B, 所以唔會返中學做全職。代課老師,時間亦撞晒2點幾開始嘅補習。暫時只能專心,搞好補習社。

如果要做好補習社,我應該點做? 教書,我識。但吸客、留客、與家長、學生,討價還價,我唔識。
既然乜都唔識,我決定膽粗粗,搵成功嘅前輩教吓路。(待續)

Monday, October 12, 2020

傻貓買樓記:浴室篇(二千蚊改造簡陋醜廁所)


原裝嘅浴室,冇鏡櫃,洗手盤冇下櫃,完全冇儲物空間。😣



沖涼位,用浴簾,水花濺到地都濕晒。我第一晚搬入,沖完涼,成個跣咗落地。😭

個膠架,睇落唔穩陣。我唔敢放沖涼用品。😟

花灑,掛到好高。傻貓係短人,要踮高腳尖,才攞到花灑。沖完掛上去,地下跣,要好小心,唔好跌倒。😖


財政預算有限,淘寶解決。😅

浴室趟門 ($1200)

以後不會水花四濺。沖完涼,踩落硅藻墊,秒速吸水,安全又乾淨。




浴室櫃(連鏡櫃)($305)




連五金潔具,木板較單薄,但外觀不錯,而且儲物空間好充足。不過裝修師傅話: 喉管太化學,不耐用,潔具質量不太好。一哥去五金舖,另外買咗$200蚊買齊晒。


鏡櫃,簡單好看。




美中不足,鏡櫃冇層板間隔,大而無當。

傻貓另外淘了個亞加力膠架($79),所有護膚品,一股腦兒放進去,整齊又好看。

https://m.tb.cn/h.VAzvrCl?sm=1095ae【化妆品亚克力收纳盒浴室镜柜置物窄款墙壁柜子架多层梳妆台整理口】



不過,店家非常緊張,連發多個訊息,希望我刪除中評。還提供$28.88退款。

難怪這產品,冇乜差評。淘寶的好評,原來不太可靠。










浴室置物架 ($39)

$78/2個。只用了一個。一哥10分鐘安裝完成。

另一個,如果有讀者喜歡,可以$30買走。荃灣站/葵興站/大窩口站,交收。

https://m.tb.cn/h.4ZGQyUE?sm=e3905c【三角玻璃的用品收纳架澡间卫生间转角置物架放壁挂式三脚架洗漱.】



花灑支架 ($35)

可上下調較花灑高度,鋼水都唔錯,以後洗頭,唔駛拎住個花灑lu.

https://m.tb.cn/h.4Zr6AQR?sm=fd6b58 【304不锈钢淋浴升降杆活动花洒支架方形杆加厚滑套花洒杆套装免孔】


毛巾架 ($55)

2年前買,搬走時,帶埋返嚟。太空鋁,圓角,完全冇生锈,上層還可置物。方便到不得了。我所有出租屋,都用這間公司的毛巾架、置物架,有些租客還選擇風筒架、厠刷架、肥皂架。我冇所謂。租客喜歡,就買給他們用。價錢合理,品質又好,物有所值。


https://m.tb.cn/h.4ZuVWO4?sm=b12e05 至流览器【黑色免打孔毛巾架卫生间浴室挂架置物架浴巾卫浴五金厕所挂件套装】


厠紙架 ($26.9)

以前要搬張椅子,放iPad睇YouTube, 聽Patreon. 以後可以安坐屎坑,慢慢欣賞。唔駛驚跌爛個iPad/跌落屎坑。仲有位放衛生巾,唔駛走返出去攞,咁狼狽。

https://m.tb.cn/h.4aAlE3p?sm=b2f466【免打孔创意防水纸巾架厕纸盒卫生间纸巾盒厕所卫生纸置物架抽纸盒】


Saturday, October 10, 2020

Book review on Tuesdays with Morrie

訓導文憑,其中一份功課: 閱書報告

當時,可選修部份輔導courses. 這份就是輔導課程Enquiry into Self and Personal Development

的功課

不會也不想翻譯做中文

English is the language that I turn to whenever I want to express my mind and feelings freely. 


Reading this again has left me with mixed feelings.

Things have changed and are forever changing. 

Dad passed away. Tony betrayed me and got married with Carol who had his baby. 

I've quitted my permanent teaching post at secondary school.

I was simple-minded and felt torn between dad and Tony. I was naive enough to believe that making peace with dad would cause me more harm than good. But damn it, he passed away 3 years after I had completed the course. 

And I still have neither kids nor a stable job. No steady relationship or income. I might consider myself a loser if everything remained the same.

But life has to go on. I'm glad Muimui has always stayed with me throughout ups and downs.

Sometimes, if you take a few steps backward and view the troubles from another perspective, imagining how you'd see them after 5 or even 10 years, I bet you'll take another approach.




My Second Lesson with Morrie

By 傻貓 (All copyrights reserved)

  

This is the second time I have read this book. Last time when I read it, I had just broken up with my boyfriend. And this book is about love. It reminded me, “Don’t let go too soon, but don’t hang on too long.” Reading this, I was like being waken in a nightmare. I stopped making endless phone calls and sending him SMS. I began to take some courses and do more sports; make more friends and reconnected with the friends whom I’ve forgotten since I started dating. Looking back, perhaps I already understood beneath my heart that puppy love never lasted long and that guy wasn’t my Mr. Right. And most importantly, I knew I couldn’t hang on a relationship which had faded.

           

And this book has become my must-read again when it appeared in the recommended book list of this course about self-development. It is an inspirational book that would make us stop for a while, feel our surroundings and examine our lives. In fact, it has left me a lot of questions: am I doing what I want? Am I the person that I want to be? Why am I here in this situation? Am I happy with the life that I’m leading? Have I got what I desired most? Have I been fully present with my family, friends and students? If death is around the corner, can I face it with no fear, just like Morrie did?

 

Suffering from ALS (amyotrophic lateral sclerosis), a fatal disease that gradually tortures one to death in several years, Morrie didn’t waste time on mourning or regretting. He spent his last days with his student Mitch Albom to write their last thesis, the thesis of life and death. Reading this dying professor’s last words about life is like hearing your most respectful one giving you some advice, some advice that you can count on whenever you are at crossroads.

 

This book is about relationships: family, love, marriage and forgiveness. Family is an important issue. I have got married for one year so far and often feel like being torn between my dad and my husband. Morrie’s remark was inspiring. “If you don’t have the support and love and caring and concern that you get from a family, you don’t have much at all.” Without love and our beloved ones, our family is no family. For me, the root of problems is money. My dad wants me to keep paying the mortgage loans and support their living, while my husband and I are struggling with our rent and heavy workload. Dad has been furious and refused to talk with me since he knew I decided to get married and was ready to move out.

 

Honestly, I was flooded with negative feelings. I was confused, frustrated and depressed. I felt confused since I couldn’t believe my dad would be so self-oriented that he chose to sacrifice his daughter’s happiness for his own dream. I understand it’s always his dream to possess a property but that’s his dream, not mine. I only want to have somebody who cares me when I’m home after a tiring day. I want to be encouraged and supported by someone who loves me when I am in need. And I want to know my work for the family is appreciated. Yet all these are merely dreams.

After my graduation at university, dad would only talk with me when he needs money. He is always asking for more money, and a bigger house. It seems to me that he never feels content with his life and everyone around him. Several times, I really wanted to tell him, “Money isn’t everything.” As Morrie put it, “Money is not a substitute for tenderness.” As a family, we should spend more time on something more meaningful. Let’s say, chat with each other, understand each other and show our concern to our beloved ones.

 

Yet dad insisted on buying a flat. He said he would not stay at peace without owning a flat, despite the fact that he has already retired and I was a fresh university graduate. In order to help him make his dream come true, I’ve worked like there's no tomorrow and had part-time jobs after school to pay the mortgage loan. We had our first flat in year 2000, the first year after my graduation at the university. Money, however, cannot bring me much happiness. This flat has become the source of our endless quarrels. Sometimes, I would feel sorry and frustrated for myself spending so much time and effort on the wrong things. I would also blame myself for not being capable of improving their living standard, such as buying a house big enough for three couples, namely: my parents, my sister and her husband, me and my husband. I thought money is a medium to show him my love and concern. But I guess if I had spent more time with my family, perhaps he would have understood me better and there might have been fewer conflicts.

 

What’s more, dad’s disapproval to my marriage and my decision to move out made me feel very depressed. As Mitch said, Morrie was the father everyone wishes they had. Even at the last stage of his life, Morrie told everyone he knew to carry on with the life they knew and not to ruin it because he was dying. He was so caring and considerate even when he needed constant care as he couldn’t even move his hand without help. That’s probably the reason I have fallen for Morrie. Compared to him, my dad was awkwardly self-oriented. I was so depressed having such a dad.

 

Tired of endless quarrels and tears, I’ve once sworn that I would never give birth to a baby. Why should we bring a living organism to earth and let it suffer? Here Morrie shared, “There is no experience like having children. If you want the experience of having complete responsibility for another human being, and to learn how to love and bond in the deepest way, then you should have children.” Many may assume Morrie had a sweet family which nurtured him to be such a passionate and optimistic person. Indeed, Morrie has a caring wife and two lovely sons. But what gets to me is he also had a dad who always created murky atmosphere at home.

 

Instead of turning into a dad like his own, Morrie decided to make a change. He didn’t want to have any regrets when he had to say goodbye to the world. That’s why he believed in being fully present. At Morrie’s home, there were lots of holding and kissing and talking and laughter and no good-byes left unsaid. Holding these beliefs, Morrie even held a living funeral for himself so that he could hear all the heartfelt words from his beloved ones. Morrie successfully demonstrated that history doesn’t often repeat itself. We can definitely make a difference, as long as we are determined enough.

 

Thanks to Morrie. He reminded me to focus on the things that I have, instead of what I haven’t. I am fortunate enough to have a caring husband who always puts me as his first priority. Now my husband and I have formed our own family. We have also planned to have our own babies. We are ready to turn a new leaf of our life. These should be the reasons for me to feel happy. I always believe one can face whatever challenges with courage provided that he knows there is always someone who would be watching out for him. Despite this, the poor relationship with my dad still makes me feel terrible.

 

To release myself, I understand very well that I should learn how to accept and forgive. I should try to look at things from his view. However, it is far from an easy task. In spite of being a wise professor, Morrie was just an ordinary human. He shared with us his pain for not forgiving his friend in time. He felt so sad when his friend died of cancer. I certainly do not want to find myself in such a pain.

 

I agree it is essential to make peace with ourselves and the people around us. I understand very well that my dad is now at his sixties. I know he lacks security and wants to get hold of something with value. I don’t want this cold war to last till his or my death. But it’s hard to forgive.

 

I’ve spent more than nine years to realize his dream. I first bought him a flat which doubled the size of our original flat in a public housing estate. Then he asked for a flat with sea views. I worked really hard, day and night, to make his dream come true. And then, he asked me not to get married since he was afraid that nobody would pay the mortgage loan. He blamed me for being selfish and irresponsible. He even asked my mom to sleep under the table in the living room so that we might share a room in this flat and stay here.

 

As I mentioned at the beginning of this book review, Tuesdays with Morrie is not the typical problem-solutions. Morrie hasn’t taught me how to forgive. Forgiveness is a lesson that I should learn on my own. Perhaps when the time comes, we two may shake hands again. But this day is so far away that it is hard to see. And I’m tired of satisfying his endless desires. To be honest, I reckon it would only do me more harm than good to make peace with dad.

 

One thing Morrie impressed me most is how he lived with love and passion. He believed, “Love each other, or perish.” Love is panacea. He taught us to love others with our soul, to care for them and concern about them. This would make our life more meaningful. Once we are surrounded by those who love us and care us, we would find happiness. When you find your beloved ones, you would see things in their perspectives and try to understand their situation. I particularly love Morrie’s saying, “The most important thing in life is to learn how to give out love, and to let it come in.” I hope I can also make a difference so that our baby would be brought up in a family full of love, understanding and appreciation.

 

(1749 words)


 (All copyrights reserved)

Thursday, October 8, 2020

營商之道:茶記一哥想創業



一哥唔多忿氣:「今個月嘅生意,好過上個月,但佣金仲少咗。」

傻貓條件反射問:「老闆請多咗人?」

一哥點頭:「樓面、水吧,都請多1個人。」

貓:「老闆返工時間少咗?」

佢:「老闆每日淨係返早市。午市未到,就放工。」

貓:「咁好合理呀~佢係老闆,當然想請人,幫輕自己。」


一哥開始抱怨:「水吧只忙早市,下午茶得好少單。但11點幾,水吧3個已經齊齊玩手機。

我不停備貨。個午餐,係全日餐。我下午邊備貨,邊煮,一直忙到晚市完。廚房忙到甩轆,都係得3個人。但係盤數,大部份收入,嚟自廚房。

午市旺,樓面係唔夠人,但其他時間,樓面得閒玩手機。」


貓:「除非你做老闆,咁你就有得話事。呢步,遲早都要行。」

一哥:「好多舊拍檔,都叫過我夾份開舖。我諗吓先。」


🙄

佢之前話:「唔想煩,怕太上心,唔做老闆。」

傻貓妹妹之前都係:「唔想影響同事關係,唔想有太大壓力,唔想升職。」

結果?升咗妹妹嘅同事。

佢工作能力冇妹妹咁好,管理技巧直頭差。分工唔勻,敦起上司款。

妹妹唔甘心,努力做好成績。幾個月後,直接跳升,管返個舊同事。


呢分鐘,一哥講嘢似吹水。但行動型嘅佢,創業嘅念頭,似乎已經萌芽。

等佢對現狀,更不滿;老闆做事,更不公平;薪酬佣金,更不合理,佢就會積極諗出路。

再講,佢都40頭喇,仲有幾多年,可以揸刀搵食?


貓唔清楚一哥盤數。不過,一哥太鍾意玩牛熊證,唔會有資金開舖。

貓:「其實開茶記,你預要夾幾多錢?搵有飲食牌、消防牌嘅現貨頂手,接收上手嘅傢俬、裝修?還是由0開始?你儲咗幾多錢?」

佢避重就輕:「頂手啦,冇咁多嘢煩。我嗰份,預50萬左右。新屋裝修、買電器,我用咗$3萬幾蚊,冇錢呀!」

用咗3萬,就畀唔到50萬?😑

反而,50萬,真係唔夠。


妹夫之前同朋友,夾份開外賣pizza店,頂手費、更換爐具、買勞保、請車手,都花咗唔少錢。茶記有堂食,舖面更大,舖租更貴,人手更多,前期投入資金,一定要預鬆。

貓:「都知你最近負擔大咗。慢慢諗啦。」


貓可以隨時賣股換50萬,資助一哥創業。但佢想創業,先要學習理財、儲錢。

佢要自己做功課,搵吓政府嘅創業基金資料,向佢超多已成功做強做大嘅舊同事,取吓經。

翠華一早上咗市。佢自己都賣咗認股權,折現咗。紅茶近年都極速擴展版圖,想上市。一哥都係時候,好好諗吓自己嘅事業方向。

我都係。一直倚靠葉Sir介紹學生、租舖、租影印機,遲早我都要獨立。

好多嘢要諗、要計劃。一步一步嚟,先搞好補習社、提升財商、調理好身體,再諗下一步。

Monday, October 5, 2020

20201004 理財重讀生倉儲

開心咗一個月,今個月又變返負數了。😔 

20201004

Stock Value:
$1,050,409.76
Gain/ Lose:
-$49,699.60

變動:
1.Sept 3: BOUGHT 20000 中國有贊  @ 1.73
2. Sept 9: BOUGHT 6 TSLA  (Tesla) @ 343.25
3. Sept 11: BOUGHT 570,000 69567 恒指瑞信三甲牛Q @ 0.037
4. Sept 14: SOLD 570,000 69567 恒指瑞信三甲牛Q @  0.043, 賺 $3,306.49
5. Sept 15: BOUGHT 30 TSM  (台積電)  @ 84.865
6. Sept 22: SOLD 6 TSLA @ 422.8525 賺 $3,812.08
7. Sept 25: BOUGHT 6823 (香港電訊-SS) @ 10.1

檢討:
彈出彈入,錯失良機:
Tesla真係神股,swing好勁。我只係覺得佢會跌,清晒貨。賺咗23%.
跌到$350左右,我想入,但又怕佢未跌完。
然後,佢光速回補所有裂口。升突埋。
呢浸,我睇到呆咗。
同時,睇雲地個blog 《 9 月 26 日投資周報:無懼世事變改,還是越難越愛》, 見到佢喺低位增持Tesla.   仲分析得好詳盡。
傻貓的投資心態,實在未成熟。成日估市的短期操作,必須引以為戒。

高位買貨:
成日都高位接貨。
傻貓睇咗窮生的facebook. 佢非常睇好有贊。

電商SaaS賽道(微盟、有贊)[Part-1]
https://www.facebook.com/106031060911541/posts/180634980117815/?d=n
電商SaaS賽道(微盟vs有贊詳細比較)[Part-2]
https://www.facebook.com/106031060911541/posts/184270669754246/?d=n

電商概念係好,但唔少仲係燒錢階段。傻貓唔敢大手入,但因為唔識估值,亦冇睇開呢個版塊的股票,結果一入就跌。
至於台積電,佢雖然只做代工,但技術超出同儕幾倍,近日還積極買台南的土地,用以擴建廠房,盈利極高。問題是:  即使確定是好股票,估值、進場時間,還是重中之重。
 傻貓就是搞不懂它甚麼時候算抵買,只能小注入場。買入後,馬上下跌。只好等有資金時,再溝淡。



回歸舊經濟股:
在傻貓眼中,新舊經濟股都不重要。只要賺到錢的,就是好股票。

上個月,買入了345 (維他奶)。我一直都覺得維他奶好厲害。仔細閱讀它的產品營養標籤,傻貓發現好多都是化學原料,例如果汁、牛奶,都不是真正的鮮榨果汁、鮮牛奶,而是牛奶製品、酸味調節劑
另外,學校陸運會、家長日、新生面試日、水運會、開放日、班會燒烤、聖誕聯歡會,作為學校小食部營運商的維他奶公司,通常會是老師的首選。陸運會,我們會大量訂購樽裝水,派給服務的同學,例如: 領袖生、童軍、紅十字、聖約翰救傷隊。家長日、面試日,老師、領袖生,都需要水、飲品。
聯歡會,維他奶會提供一些packages, 價錢通常比在外面的餐廳訂購,價錢更低,選擇更多。而且,冇人知禮堂活動搞幾耐。唔想活動期間走出嚟接外賣,學校的小食部,就係最佳之選。

另外,我在留意內銀股、地產股、1448福壽園、濠賭股、本地餐飲股。
同時,美國tech 股跌幅顯著時,我會再買入SQ, NVDA, TSLA, AMZN。



總結:
財商不足,須將勤補拙。

報讀投資課程:
既然唔識估值,齋聽別人講,冇個人分析,始終唔係辦法。
之前,止凡曾經回應傻貓的留言,提議參加鍾記舉辦的估值課程。今次,傻貓終於的起心肝,報讀了鍾Sir在活道教育中心的投資課程《看年報推算公司價值》第五班(10月28日開課)。這次課程可以視像上課,配合到傻貓的上課時間。我會用心寫筆記,好好學習。


另外,手持大量股票,齋睇冇用,佢唔派息,或者買入後下跌,就只係紙上黃金。
Blog友Jason提醒我李慧群老師再開班,大力推薦。佢話:“好有用,佢講得好明白”。
於是,傻貓又報讀咗股票期權基礎班,希望搞清楚期權的原理。
為了預習,我已經睇咗龍蝦伊面(前身:皮老闆)的幾條期權的教學短片,Boss有好多口訣,幫我釐清咗少少基本概念:   
有股short call, 冇股short put.
唔好貪心!
不過,始終未敢真正落場。
屋企都有好幾本講期權的書籍。排緊隊,睇完手上的參考書,幫人哋做咗功課先。

有意提升財商的朋友,可以睇吓有冇課程,適合報讀:
https://www.livingword.edu.hk/category/courses-info/
有意支持Boss嘅朋友,可以課金入Patreon:
https://www.patreon.com/NoodleLobster

月供股票 /零存整負: 
前日,清咗裝修尾數。以後,一哥供樓,我的負擔會細好多。考慮緊月供SPLG,   QQQ,   939, 1928, 9988.
有人話,未見過人靠月供股票發達。但對超愛豪賭的我,月供股票,是逃生門。
每次月供嘅股票,總市值夠畀首期,我就賣股換磚頭。通常月供2-3年,就會咁操作。
試過賣樓後,冇做返月供股票。結果? 玩牛熊證,輸咗半層樓嘅首期。

錢在口袋,我會覺得唔舒服。因為,我從來唔信cash is king. 
全部戶口,供樓後,現金只有$3000以下,平常事。

Sam & Rexh的待熊基金概念,對我好新鮮。如果出現黑天鵝事件,這筆錢,就是區分成功者和失敗者的關鍵。當全世界冇錢撈底,而你仲有資金,咁你就可以做到真正價值投資。等股價回復正常,你就賺。
但我試過,每個月儲起幾千蚊,諗住做待熊基金。結果,都係一次過買入股票/牛熊證。然後,重覆被套牢、被劏嘅悲劇。
仲未諗到點樣可以整返個待熊基金。零存整付,試過好多次,但太困身。
但如果諗唔到更好方法,提升唔到自制力,都會用返零存整付+月供股票。

Sunday, October 4, 2020

開源:代做功課/批改作文

補習社,這個月開始多返少少學生。收入終於上返5位數字。

不過,交完租,其實都冇剩。
稅局可能見我太可憐,退咗$200 蚊畀我。
(一哥交成萬蚊稅,超眼紅我😂)

開源:
為了增加收入,我接了好多freelance做,包括幫學生改作文、做翻譯、代做功課 (毅進、大學論文)。

批改作文:
改作文,$30/份。批改一篇作文,通常5-8分鐘完成,但是畀評語、預備範文、出follow-up exercise, 就用咗近2小時。時間花得不太cost effective,不過當練習吓改文技巧,都唔錯。查簿期或者考試月,仲會有老師,一次過畀晒全級/全班學生的作文,限2-7日內改完。唔駛寫評語。

我以前試過,間學校乜都要全級改,話咁先可以standardized marking scheme. 又話驚作文主觀,手鬆手緊多爭拗。某年,出完高中作文卷,同時出埋GE, listening paper, 之後要改全級F.4 short writing task, F.5 long writing task, 再加F.5 listening paper Part B: integrated tasks, F.2 通識卷、F.2 GE卷。每份listening paper的long tasks, 搵point 都搵死啦,仲要睇coherence, language. 真心灰。

想不到,現在反而幫人改文。😅



代做功課:
代做功課,寫1000-3000字,需要睇大量期刊、參考書籍。每篇功課,收費$500-$800,  花大概1-2星期完成。還是覺得不太cost effective, 但是,透過海量閱讀,傻貓了解多了很多以前不會接觸的範疇: 市場學、人力資源、教育法律、保安、營養學。
反正每日只是補習3小時,撇除備課、批改練習、自製試卷及練習的時間,每日就只是練琴、玩日文、玩德文、跑步。
補習社收入又慘澹。代做功課,似乎都是不錯的開源方法。

毅進呢條橋,本身就有bugs. 
唔知政府點解會認為: 會考5科合格都冇嘅人,讀幾個月嘅short  course, 就可以由 0   變成 DSE 5 科 level 2.
其實,佢哋好多連用文字表達自己,都有難度。又點會識用英文,寫成千字論文?
法律、營養學、市場學,好多概念、專有名詞,傻貓都係瘋狂睇書,先明皮毛。
點解政府會覺得:   有全職工作的人,用工餘時間去上堂,仲有時間、有能力,聽得明老師講乜,仲睇到咁多參考書?

Friday, October 2, 2020

小改變,大改善 (淺談原子習慣)


話說傻貓上次瘦身失敗,閉門思過,查找不足後,終於成功減咗5 kg. 最鼓舞嘅,係冇咗個肚腩,仲由包包面,變返V面。😎

今次成功嘅方法,超簡單:目標、恆心。 

既然咁簡單,上次又衰咗?😑

最近睇<<原子習慣>>,作者James Clear拍咗呢段短片。本書我仲睇緊,先分享一下個人經驗、感想。

詹姆斯·克利爾演講(原子習慣作者)中英文雙字幕



(Blog友細胞寫咗篇讀後感 原子習慣,寫得好好,好用心。傻貓睇完佢嘅推介,就去搵書睇。)




好多人都想自己變得更好。😃

肥人想變瘦;醜女想變靚;窮人想財自,都係咁。最好轉變係突如其來,唔駛付出 / 付出少少,而且即時 / 迅速見效。

偏偏呢個世界唔係咁運作。💩


No pain, no gain. 你要有效果?唔該付出吓。😏

點解要付出? 因為只要你每日進步 1 %,全年就進步咗37倍。反過來說,如果你每日退步1 %,全年就打回原形,變做0。我唔想變做零。

付出唔駛多,一曝十寒冇意思。只要每天進步多一些,持之以恆,自然見效。

你想快?減肥食藥都快,但係停藥後,體重就會反彈。

買股票,睇財演講吓股,好彩嘅買中咗隻倍升股,賺得多又快。但係你唔識估值,唔學好投資心法,好快都會見財化水,仲分分鐘輸突。

你睇隻6123圓通速遞,就知咩事。更加唔好講,勁多微信女,賺夠畀人賺吓,畀個number益吓你,你唔識睇年報、唔查吓公司管理層咩料、唔睇公司損益表,甚至連間公司做乜嘢業務都唔知,狗衝入去,結果? 自己諗。😝

點樣付出,先有效果? 係咪訂咗目標,就sure win? 唔係喎。

每一日,我哋都被各種小習慣、決定,改變緊自己。

養成習慣的4個階段

1. 發現 (noticing)
2. 渴望 (wanting)
3. 行動 (doing)
4. 喜愛 (liking)

發現
發現到問題,才會有動機去作出改變。好多人以為自己減肥失敗,係因為冇足夠意志力、推動力。其實,佢哋只係唔夠清楚自己真正想點。如果你想減肥,每日就諗: 我有動力,去做運動嗎? 想學識投資,每日齋諗: 我有意志力,去學投資嗎? 咁你諗到頭髮白,都唔會有成果。

試吓直接落決定啦!
想減肥? 幾時、邊度、點樣做運動?
想做投資達人? 
幾時報讀投資課程/ 睇投資書籍? 📚
喺邊度搵 / 讀課程? 睇邊個 blog 改進財投資心態睇咩書學投資知識? 
點樣上堂? 你會聽完就算? 還是邊聽邊做筆記,適當時提問? 
點樣睇blog? 齋做cd-rom, 抄功課,畀個number人哋,問人點睇佢前景,買唔買得過,止唔止蝕好? 還是真正嘗試理解 blogger嘅投資理念,學習佢分析該行業、股票嘅方法,了解選擇該個股的原因,最後先做投資決定?
點樣睇書? 買好容易,有冇細讀並寫低筆記? 水過鴨背,睇完就算? 還是認真檢視自己的理財、投資情況,再做筆記,做資料蒐料,甚至將自己的投資組合,斬掉重練?🔪🔨

渴望
寫to do list好容易。開頭可能仲一鼓作氣,堅持到好幾日。之後呢?

不如試吓 "事前驗屍"。💣
預計吓,有乜嘢會拉住自己後腿。計劃失敗,你會點有咩感覺? 要面對乜嘢後果? 搵到死因嗎?

減肥失敗,你最多覺得自己冇瘦到,冇變靚到。但對生活,真係冇乜影響。但如果係醫生話畀你知: 你有脂肪肝、膽固醇高、心臟病、高血壓,你可能會死! 👻
你就會直接決定: 我會每日做運動。
投資失敗,如果你唔貪唔蠢,冇事。蠢但唔貪,冇事。貪但唔蠢,可能蝕,亦有機會賺。但你既貪又笨仲要懶,聽錯微信女,估錯市,咁你可能連本金都蝕埋。

發現自己唔跟plan, 可以死得好慘。咁你就將目標拆細,每日做少少啦。
傻貓想瘦身,就set咗每日做15-30分鐘運動。

跟住,你要製造個環境、氛圍
當初可能只係一時衝動,想作出改變。改變,只係一個選項,唔係必需嘅。但係,如果呢樣嘢,不斷在你面前出現,你就會好自然咁使用佢。
為咗瘦身,傻貓將部健身單車,放喺餐枱和鋼琴中間。返屋企,第一眼就見到架單車。
為咗學投資,傻貓將投資類的書籍,放在睡房床頭櫃、書房茶几、餐桌上。手機、平板,都有電子版的投資書籍。當然,少不了將其他理財blogger的網誌,加進閱讀清單。只要他們有新文章,我會即時閱讀。有時,明知自己問得白痴,但唔識,唯有請教人。睇到雲地投資TSLA嘅操作,同自己唔同,都會自我檢討,避免重複犯錯。

行動
開始時,少說話,多做事。羅馬並非一日建成的。每日一小步,慢慢就可以邁開腳步,加快步伐。最後,慢跑,快跑,都沒問題了。
我們要做的是: 著眼過程,不是結果。
因為不斷重複好習慣,掌掘到訣竅,必然能夠達成目標。

喜愛
點解我哋會重複這些習慣? 因為我哋鍾意喔!做咗,開心,咪繼續做咯。做得唔開心,你做埋佢啦。
所以,獎勵,要及時,仲要即時。
唔好同我講: 瘦咗可以著衫好睇d. 呢個係唔知幾時,又唔知會唔會發生嘅事。
唔好講: 識投資,你可以財自。呢個世界,得一個巴菲特咋。財自,太遙遠。
要吸引自己去為長期目標努力,就要即時獎賞自己。

做運動係攰,但我鍾意睇止凡嘅短片、聽伊面嘅聲音導航,學投資;又鍾意睇室內設計嘅短片,睇人哋點整靚間屋;耐唔耐睇吓演唱會、黃子華嘅楝篤笑、煲吓劇,放鬆吓。橫掂都係坐定定睇,不如坐喺單車上面,邊踩邊睇啦。唔經唔覺,就踩咗一個鐘。有得hea吓,學吓嘢,又出到一身汗,爽!😁

傻貓仲列印埋個表(呢樣好重要),喺張紙度填窿窿,記錄低自己嘅努力。
當然唔係日日都跟到計劃。不過,當連續做咗好幾日運動,睇咗幾日書,就唔想break the chain, 搞到個表開天窗。你可能就會選擇: 持續呢個好習慣。

(之前就係想環保,用Google Sheet 整咗個表,妄想自己會好乖咁,開i-Pad, load 個表出嚟,輸入。結果? 根本唔會諗起佢。)




身份認同

每日踩吓單車,睇吓投資書籍,令傻貓愈來愈相信自己係一個重視健康、瘦咗又靚咗、擁有投資觸角的人。當然,瘦身、資產增值,係終身事業。但你唔信自己會做到,唔肯踏出第一步,你就永遠做唔到。

每日一小步,我哋嘅人生,就會改變一大步。