Friday, October 20, 2017

00002 中電控股 - 20 Oct 2017



To consider on this purchase.
investment value about Hkd 40k per 500 unit.
highly safe as utilities stock.
pay dividend quarterly but current yield around 3.5% only.
PE around 16. not cheap.
price range consider reasonable.

Strategy
buy 500 first and another 500 when PE is drop lower.



三年大計(2018 ~ 2020)

1) 財務自由
首要目標不工作,維持現有開支,
增加主動收入
關注現金流

被動受入
2018年 3k/月 36k年
2019年 4k/月 48k年
2020年 5k/月 60k年


2) 債務水平
2018年危之年
2019年觀之年
2020年進之年

a)2018年危

債務始終龐大不適增加債務;不可重大開支.

b)2019年觀
債務適中減少三成;可增加還款比例;可觀察適當優秀資產.

c)2020年進
債務減半;可增加還款;主要購入優秀資產。注意現金流.

3)個人發展
a)成家立業育兒,培育下一代(計劃2018年婚)
b)持續閱讀發展興趣與理財能力
c)徹底運用週末時間(一周前提前規劃)

4)功課
定期檢視;上課
定期運動;健康至上(減低膽固醇) 
均勻飲食(1周1素食)

5)休閒生活
培養興趣以備退休生活
旅游以及實地考察
盡情享樂現有的時間最為自己而活


6)後備

國外PR籍

7)待解決問題
現有資產如何增值?
減債減稅務計劃

優質生活 - 2500
體檢 - 500






Thursday, October 19, 2017

19 Oct 2017 Stock Crash

Hang Seng index drop
about 500 to 600 point.
rarely happen during the recent market.


look at most stock also drop slightly only. not so significant.


KLSE drop about 5 point only.
still continue as weak market.

Friday, October 13, 2017

人生座右銘/ Guiding Principle

人生座右銘

認知篇
健康至上。身體思想心理健康。

思考篇
資本無國界;不要被自己所困;放眼世界。
資本只有利潤;哪裡利潤大就去哪。

行動篇
今天不耕種;明天不會有結果。


Guiding Principle

Acknowledgement
Health is superior above all , this inclusive of healthy on mentally,physically , psychology.

Thinking
Capital no boarders, don;t limit yourself, eyes on the world.
Capital only have profit, follow profitability.

Action 
Today no action; tomorrow won't have any difference.

To update if there is additional.
 



希望 - 神話故事

神話故事

宙斯要求潘朵拉不可以開,但是潘朵拉不敵好奇心的誘惑,還是偷偷的把盒子打開了,然而在盒子裡面裝的是許多不幸的事物,疾病、禍害等。潘朵拉把盒子打開後,原本寧靜沒有任何災害動亂的世界開始動盪不安起來;慌亂中,潘朵拉趕緊蓋住盒子,結果盒內只剩希望沒飛出去。因此,即使人類不斷地受苦受難,生活中遭遇種種挫折和折磨,都找到希望

只有希望留下……

「所以,人類不管在面對什麼景況,都可以抱持著希望」

人類因夢想而偉大?
還是因希望而生存?

夢想帶給人熱情,希望帶給人生命。
生命的可貴在於有始有終;
我的後代你應從生活中體會此事。
凡事都會雨過天晴;無論如何都要保持希望.

財務自由 VS 發達

財務自由

定義 :
不用做也有足夠的收入。被動收入。
維持現有的生活方式都沒問題。
主要靠被動收入


財務發達

定義 :
生活方式得到倍數的提升如現時開Kancil到Maserati.
主要靠無限收入方式

現時惟有先達到財務自由先達到再到發達.

終極目標為發達!!!

Wild Chicken Vs Farm Chicken Story

As it begin with a home chicken and wild chicken.

when this two chicken meet up,
Wild Chicken : hey there.
Farm Chicken : hows you.

Wild Chicken : hey Farm Chicken, i see u stuck inside the farm, no freedom, lets run away i will teach you way to survive in the wild. no worry.

Farm Chicken : hey Wild Chicken, i see you so tough, in the wild need find food eat and also uncertain if got food to eat. me here very happy, no need do. my master feed me on time. even now i can predict the time my master will feed me. every time is predictable.

Wild Chicken : but still you no freedom in there(farm)
Farm Chicken: no worry. i less headache. outside the wild i still need think to survive find for food and risk of being hunt as well. here very safe. i enjoy here.

so the Farm Chicken decided not to follow the wild chicken to go into the wilds.

after a while, Wild chicken go to visit the farm chicken and can't find the farm chicken anymore as its have been slaughter by its master to fill up the stomach.

Story brings into message such continuing profit makes one stays in comforts zone, but not aware that the comfort zone is actually a killing zone. always take risk and the chance to survive will be longer. learn the survive skill is necessary.

as similar to now Nasdaq keep bring new high and bring profit, but no people know when its end. it always drop and rebound back seems to be valid for few time but not necessary for all time. need to aware of the risk. often the same technique will be used for twice only not third time.