1. 獎盃
第六名，不留也罷
2. 合約
學校只睇cert of service. 合約冇用。
3. 消閒書
投資入門書籍、SEN 家長分享、旅遊書
考國安法的讀本
不及皮老板建議嘅apps, e-book 有用
7. 幼兒玩具
斷斷續續，斷捨離了57 天。
儲物室仍然堆滿紙箱。
但每斷捨離一樣東西，就覺得輕鬆一點，冇咁大無力感。斷捨離的節奏，也比以前明快。
意外收穫：
斷捨離時，順手將物品分類，現在找東西，不用再東翻西找。
買東西、接收禮物、排free 書、衫前，會停一停，諗清楚係咪真係非常需要。識得say no喇。
朝理想的家，又近一點。😼
家中雜物多，學好收納，窗明几淨，才有好心情。
書中有極多收納圖，分類展示不同空間的收納法。
大屋搬細屋，可用空間銳減。層出不窮的身外物，堆積如山。
翻閱後，的確找到些靈感，重新規劃空間用途、儲物方式，打造井井有條的理想家居。
傻貓最喜歡這款室內裝修，滿滿的希臘風情，寫意自在。
不過，回到現實，還是奶油風、和風，最易配搭，也耐看。
話說，2025 年 8 月底 買樓後，戶口只剩 HKD $42000. 畀埋律師費、經紀佣金，乾咗塘。
當時亦減持了大量股票正股。(見 "投資日誌：賣股買物業4")
傻貓利用股票期權，short call 小部份正股，再 short put 一些大型 ETF, 製造現金流，加上股息。過去 3 個月，回報約8.64％。槓桿比率 1.08。
現時持倉，以 ETF 為主，港股只有 388 港交所、823 領展。
另外，亦持續月供 388 港交所。
待還清 IB 戶口負債後，再開始零存整付。
最後，今日返工齋坐，沽出 388 港交所 認購期權，賺 HKD $2394 權金。
再多手買咗 500股領展 @ HKD $34.68，股息率 7.6厘。IB 孖展戶口利率 7.88%, 風險可控。
今日返新工，因為只需要教 1 班高中，IT Dept 未得閒幫我開 account, 所以 部電腦用唔到，整個早上，就係玩手機、執枱。
不過校舍真係好大、好靚。我好鍾意呢個 balcony 同茶藝室。
之前間官校，好多課室，咪箱都係壞嘅，課室仲用緊傳統黑板，projector 投映模糊，課室電腦開機後，要5分鐘先用到。沒有教員休息室，開會用課室。全校最靚係STEAM room,但平日大家基本唔會用，只於開放日、VIP到校，才招待外賓。
而家課室用interactive whiteboard,上堂efficient 咗，教學進度快咗，學生有iPad,我可用google classroom 即時畀練習、收功課，課室電腦長期login咗，好方便。
逢星期五，casual wear day,老師可穿牛仔褲、波鞋。
最正係考試周，一連2星期，要監考先要返，唔駛監考就放假。監考，返半日，考完走得。
仲有medical allowances, 連家屬都可以免費睇私家門診。
港股在年中曾經小陽春，美股亦一直穩步上揚。
8 月尾，傻貓提取了幾百萬，買入物業 4. 沒有正職、穩定入息，只能一炮過買樓。
居住質素也未如理想。
不過，現在落樓就係阿仔學校，過條馬路，就係阿女學校。樓下就係超市，附近又有街市。
住慣林村，買雪糕要就妹夫開車時間。
工人經常用晒先出聲。洗衣液、洗潔精、米、尿片，以前要特登搭車出大埔墟買。
而家想買咩，行幾步就買到。爽。
買完樓，畀埋裝修、律師、地產佣金，戶口清倉。
今年好幸運做咗 2 個幾月代課，補習社學生成績飛躍，家長都好樂意介紹新學生。
最重要係: 谷友親自示範點樣喺股市賺錢。他由選股、睇入市位、賣出位，手把手咁同我哋一齊做。
以前一買就跌，跌完即入，空手接白刃。好快就冇血。
而家先知道，自己超級無知。憑咩認為眾人恐慌，我應該貪婪?
以我的平庸資質，零財商，想跑贏大市，無異於癡人說夢。
得到谷友指點，在股市斬獲不少。
月供的股票，繼續係 388, VOO, QQQ, VGT, SMH
Option:
低位，short put NVDA, TSLA, SMH, 388
高位，short call 388, 700
股票，逢低入少少 NVDA, SMH, 388
高位，減持了一些 U, DUOL, 939
就這樣簡簡單單的操作，加上代課、補習、被動收入這 4 個月，儲返 40 萬。
新一年，希望一切繼續順順利利，大家身體健康，開開心心。
Dec 15 last day
Dec 16: 簽新約
呢間係直資學校，得 1 班 S.4 ，冇ECA, 唔駛做 class teacher, 冇 admin duties.
校長話，呢個本來係 part-time post. 不過見我有教拔尖補底經驗，又有教新移民經驗，開個full-time post畀我。
有人請假，我又free lesson, 就安排我去代課。
放學後，我有 訓輔文憑、做訓導經驗，如果有學生有行為問題，會安排我去做單對單輔導。
課後拔尖補底課程，我負責教。
人工?
Pt 15. 即係，剛fresh grad 的大學畢業生，起薪點。
讀咗PGDE, 最少 pt 17. 學校話，我得1班，唔會畀咁高人工。
Free 堂，埋頭出測驗卷。電話響。
張副校：“Ms Lee, 麻煩你落一落嚟丫“
合約到Dec 15, 校長、科主任一直話，教育局文件未落嚟。Dec 16開始新合約， date back 返人工，出月薪。
簽新約嗎？
副校微笑：“好多謝妳呢2個幾月幫手~”
咦？！原來又係呃我~
佢：“你份約去到幾時？”
我：“下星期一”
“咁我哋約滿，就係last day 啦~”
傻貓：“明白~我搵科主任，做交接。唔該”
失落？少少啦。
呢度工作量超大，我負責德育及公民教育、國民教育、校園電視，教全級F.1 reader, 整好多 language arts 教材、教 3 班，仲要做班主任，呢班好多SEN。
同飯腳傾起，佢竟然講，佢上星期五，都收到 1 個月通知。而佢本身係一年合約教師， 8月31約滿。
放咗工，佢都係放唔低，失眠至凌晨 1 點幾。
感受到佢嘅不知所措、徬徨無助。
佢剛買樓，每月還錢畀家人、朋友、銀行，近 4 萬。
除咗教書，佢唔知道可以做乜。
但學期中段，要搵教席，唔係易事。
傻貓年近 50, 搵工勁難。
慶幸早已財自，有樓收租、股息收入，仲有補習社源源不斷的現金流。
仲有 2 日，就 last day.
繼續珍惜同學生，一齊上課嘅時光。
不過最搞笑，係科主任唔知，我要走。
佢：“張Sir 啱啱話你要走？”
我：“係呀，做埋呢2日”
佢：“咁 d 卷出晒未呀？教得晒嗎？”
我：“呢個學期，本身去到 Jan 17, 未教晒喔~太突然，我都冇辦法。”
佢：“哦，咁好啦~唔該晒你~”
我明白，學校請返 2 位退休教師，返嚟教。代我嘅，係以前嘅科主任。我認命。只係，何必畀假希望我？
第一個菲傭，英文幾好，但完全唔識做家務，亦唔肯學煮飯。做咗兩年，一餐都冇煮過，連翻熱都懶。仲搞到儲物室，垃圾崗一樣。(見:工人真係幫緊手？)
第二個菲傭，做咗一個月，獨留幼兒在家，推我仔出馬路，落車唔拖佢，搞到佢跌到，半截身軀在巴士底。佢自己走佬，仲屈我哋趕佢走，去入境處、勞工處，追討1個月欠薪。又偷嘢，終日黑面。(見: 工人自把自為、工人又去勞工處屈我哋、新工人貨不對辦😵、首日返工；阿仔發高燒被強行帶返學、炒咗新工人、工人斷約走佬)
今次終於決定唔再請菲傭，轉請印傭。
估唔到都幾多選擇，今次請的印傭，英文比上一個菲傭更好，而且經常笑容滿面。
第一日嚟，阿女已經攬住佢，阿仔過馬路時，都肯畀佢拖。
上一個菲傭，由始至終，都冇成功拖過我個仔隻手。
煮嘢好食，學嘢都快。
呢間外傭中介，本身agent都係印尼人，會去印尼的外傭學校揀人。同我溝通的，係香港人: 林小姐。
林小姐好有同理心，上個菲傭搞到我一鑊粥，係林小姐畀咗唔少建議我，去報警備案、WhatsApp佢返嚟，capture screen 佢拒絕回僱主住所工作的對話，才成功洗脫我趕佢走，炒佢，欠薪的指控。
不過開始時，她無差別地 sent 一堆 CV畀我，睇到我好煩。鬧完佢，先肯篩走斷約、白紙、唔識廣東話/英文、冇照顧幼兒經驗、年紀35以上的印傭。之後就smooth 好多，好快揀啱工人。
面試時，用WhatsApp Call. 我可以睇到工人的contact number. 不過，我見面試時，工人都正正常常，就冇再私下PM佢。
僱傭公司在石硤尾，但我冇去過。文件交收，都係我scan咗，用WhatsApp畀佢。
合約，佢拎去我老公公司簽名。中介費，HKD $13800. 朋友介紹，減 $300. 轉數快。
佢接埋機，驗埋身，帶嚟屋企交接。都好順利。
不過我選的印傭，從不曾來港工作，申請時間較長，要2個月。
請印傭流程:
My turn to run the morning assembly this morning.
We prepared 2 sessions: a student presentation about recycling and a new teacher sharing.
I'm that new teacher.
Having not much to share about myself, I decided to talk about my kids and how I raise them. And the recent teaching experience at this school has reminded me the good old days at another school.
So I spent a few minutes typing the ideas, and used AI to write the script.
The feedback is pretty positive and many teachers had small talks with me about the sharing.
[Marcus (F.2D)]:
Good morning, everyone! I’m Marcus from F.2D.
[Kennis (F.2A)]:
Hi, I’m Kennis from F.2A!
[Alvin (F.2A)]:
Hello, I’m Alvin from F.2A!
[Marcus]: Today,
we have a special guest—Miss Lee, our new teacher. She has an amazing
background in farming, and we're excited to hear all about it. Welcome, Miss
Lee!
[Miss Lee]: Hi
everyone! I’m really happy to be here and share my experiences with you.
[Kennis]: Miss
Lee, can you tell us what got you started in farming?
[Miss Lee]: Sure!
I started my farming journey when I supervised the Environmental Club at my
last school. We spent a lot of time learning about the environment and
exploring nature.
[Alvin]: Interesting!
What was one of the coolest projects you worked on with the club?
[Miss Lee]: One of
the best was a field trip to my home in Sheung Shui, where I have a large piece
of farmland. The students got to experience firsthand what it’s like to work on
a farm.
[Marcus]: That
sounds cool! I guess not many students have had the opportunity to go to a
teacher’s home and try farming by themselves. What did you have to do to
prepare for that field trip?
[Miss Lee]:
Preparing for the trip took quite a bit of work. I cleared out the weeds and
plowed the soil. Plus, I had to buy fences from Prince Edward to keep the dogs
away from our plants, which was quite a physical challenge.
[Kennis]: Wow! In
order to decide which seeds to plant with the students, I also heard you
borrowed lots of books from the library to find out which plants and vegetables
would grow well.
[Miss Lee]: Oh
yes, I wanted to make sure we picked ones that wouldn’t die easily and would be
easy for everyone to grow.
[Alvin]: That’s a
smart approach! What did the students get to do during the field trip?
[Miss Lee]: Each
student received a ticket that let them try different activities.
[Marcus]: In the
photos, we can see students pulling weeds, plowing the soil, sowing seeds, and
watering the plants. They seemed so excited to participate! And what was the
reward for completing all those tasks?
[Miss Lee]: Those
who finished their tasks received a pot of lettuce that had already grown for
two weeks as a souvenir!
[Kennis]: That sounds
great! You also teach your own kids about farming, right? How do you do that?
[Miss Lee]: Yes!
My 3-year-old son once asked for baked sweet potato, so we planted some
together. We watered them daily, and when it was time to harvest, we dug them
up together. It was such a fun learning experience!
[Alvin]: That
sounds like a great way to bond with your kids! What did you do after
harvesting the sweet potatoes?
[Miss Lee]: We
cleared the weeds and then took everything to a barbecue pit I built myself. My
son was so excited to see the fire roasting the sweet potatoes!
[Marcus]: And I
heard you also taught them how to make jam. How did that go?
[Miss Lee]: Yes!
My 1.5-year-old daughter and my son helped me pick berries near our home. After
washing them, we added sugar, blended everything, and boiled it. It was a
delightful experience, and they loved it!
[Kennis]: What a
delicious way to teach them about food! I bet they enjoyed that activity.
[Alvin]: It really
sounds like you create wonderful memories with your kids.
[Miss Lee]: I do!
It’s so rewarding to share these experiences and help them understand where
their food comes from.
[Marcus]: Thank
you so much, Miss Lee, for sharing your inspiring stories with us. We’re really
excited to have you here at our school!
[Kennis]: Thank
you, Miss Lee.
[Alvin]: Welcome
again, Miss Lee!
[Miss Lee]: Thank
you all! I look forward to creating more fun experiences with the students here!
下課後，返位。忍唔住爆喊😭
今朝第1堂，係2A。佢哋依然故我：唔帶書，擅自離座，開locker
我提佢哋，打鐘前，要攞齊嘢；打鐘後，唔可以開locker
麥同學一向口臭：“你去做雞啦，攞本書都唔畀。個locker要嚟睇呀？！”
遠隔6行，坐走廊邊嘅謝同學，即時回應：“做雞？冇人要喎！
呢啲冇老豆嘅人，冇家教㗎
呢啲人，做雞都唔識做啦！”
我本身打算冷處理，上咗堂先。
最近勁多outing,少咗好多堂，要追進度。
而且，何必同小朋友計較？
突然，謝同學大大聲講：“佢老豆都肯定係畀佢激死㗎啦
唔係佢，老豆點會死丫”
呢吓我個心超痛。
對喔！唔係我，爸爸才會走。
如果我當時第一時間，送爸爸去私家醫院，可能爸爸仲喺我哋身邊。
只係，已經冇如果。
開始講書。
有學生傳包紙巾嚟。
原來我已淚流滿面。
我真係已經唔識點做老師。
我一啲都唔專業。
學校搞 life wide learning, 一連3日，唔駛教書，走出課室。
籌備功夫好多，收車費要數錢、追魂 call, 都收到煩。不過今日帶隊去新聞館，真係好唏噓。
新聞館嘅職員，花好長時間，講解新聞知識素養，但唔少學生瞓咗。不斷巡，不斷拍醒，無限 loop.
導賞員用心介紹展品，學生不斷自己離群、傾偈，仲用手觸摸展品。完全唔似 band 1 學生。直至我出聲鬧人，先稍微收歛。
最唏噓嘅係：
展館有部TV , 播六四時，記者點樣排除萬難，偷運錄影帶，落香港，報導六四事件、天安門屠殺情況。仲有2019 社會運動，警察打市民、學生，阻止記者採訪，記者想方設法，報導事實，將真相講畀市民聽。
同事好震驚，同負責人反映：
佢：“我哋係官校，唔可以畀學生，接觸這類資訊喎。講呢類敏感題材，可能觸犯國安法，牴觸愛國教育的價值觀。”
新聞館其中一位導賞員回應：
“每年都有特首、財政司、政務司，嚟視察。
我哋嘅存在，體現緊言論自由、新聞自由。
佢哋都有睇過呢段片，冇出過聲。
如果我哋都唔講得事實，咁香港就真係好大鑊。”
同事無奈：“咁我返去，同校長反映返”
-----------------------------
傻貓相信，今年好大機會，係我校學生的最後一次，參觀新聞館。
斷捨離這些：
1. File holder, 國家安全膠扇,阿仔勞作
File holder 搬屋壓爛咗
電風扇仔較方便，卡通膠扇都幾把，我最唔鍾意勞作
2. 投資書
投資理念不再一樣。
是時候斷捨離過時舊書，還有短炒、人有我有的心態。
從來，投資成功的，都是少數人。眾地莫企。
3. 書包
好多朋友，畀咗好多書包。
賣走呢個，原價 $799, 換$100
本來自信滿滿，以為今年投資回報好理想。
結果，YTD 跑輸所有指數。😢
恒指（紅線）爆升反彈，我只有少量 939 建行、388港交所、709 佐丹奴、short put 700 騰訊。
QQQ（黃線 ）一直創新高，升幅達 25%。傻貓只持有14 股 QQQ, 20 股 TSM, 30 股 SMH, 6 股 MSFT
S&P 500 （綠線） 也很亮麗，連一些4月時，因關稅、息率問題，未有盈利，被拋售的股票，都回升了。傻貓有 10 股 VOO, , 少少 DUOL, RBLU, MSTR.
傻貓的股票倉（藍線），一直在低位徘徊，回報率只有慘不忍睹的 10.81%。
個股，只會慢慢儲: 港交所, TSM, 建行、NVDA, TSLA, MSTR。
