tag:blogger.com,1999:blog-24790940151533706762024-03-14T04:31:58.131+08:00Mark 息先理財、後投資。投資不像買 Mark 6 靠運氣,而是找出適合自己的 "Mark 息"組合,增加被動收入,踏進財務自由之路。Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-2479094015153370676.post-10657071555959240742016-08-10T15:49:00.000+08:002016-08-10T15:49:06.642+08:00存款多重要嗎?存款多等如善於理財嗎?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvGscvqhfMg23MEGAvUWLFUE0PsUI1GaxYi21HSmCUm50joclrln3C4oIZzIl8kngLxbzpH6Aj8RxJx0RavBM5Oc5nMuKVOMROqIxmfX9WaphXu3tcsmDDCj0QRRCasNIm1XmgdMgP1yI/s1600/013-160810.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="196" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvGscvqhfMg23MEGAvUWLFUE0PsUI1GaxYi21HSmCUm50joclrln3C4oIZzIl8kngLxbzpH6Aj8RxJx0RavBM5Oc5nMuKVOMROqIxmfX9WaphXu3tcsmDDCj0QRRCasNIm1XmgdMgP1yI/s320/013-160810.jpg" width="320" /></a></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">在生活中,大部份人只看別人存款多,便認定對方應是個富有及懂得理財的人。存款少便等如不富有之餘更是個不善理財的人。單看表面可能是對,但大家細想一下,買到三部車可當作是有錢人,而買得一部車的便是窮人嗎?滿身名牌衣著的便是有錢人,而身上穿總值</span><span lang="EN-US">200</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">元的衣著便是窮人嗎?</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">無可否認,錢越多固然是好,但想帶出一點存款多並不重要,怎樣運用手上的錢才最重要,即係將錢產出更多的錢或良好的資產。其實,好多人只著重金錢的多與少,從而忽</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">略</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">用資產產出正現金流。而錢只是資產其中一部份,因外幣、股票、住宅、商鋪、債劵基金、債劵等全都是資產。正如在某銀行開一個</span><span lang="EN-US">100</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬元的存款戶口,如你現金存款</span><span lang="EN-US">5</span><span lang="EN-US">0</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬、股票</span><span lang="EN-US">20</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬、債劵基金</span><span lang="EN-US">30</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬,總資產共</span><span lang="EN-US">100</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬。銀行不會因現金只得</span><span lang="EN-US">5</span><span lang="EN-US">0</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬,而收取最低存款額的手續費,因為銀行是用總資產來計算,而且資產都是有價值的。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: 新細明體, serif;">總結:</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">存款多與少只是一個數字,並不重要,也不需跟別人比較,因能產出正現金流的資產才是重要及實際</span><span class="hascaption"><span lang="ZH-HK" style="font-family: 新細明體, serif;">。</span></span></span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com6tag:blogger.com,1999:blog-2479094015153370676.post-15981638098619242662016-07-14T15:31:00.000+08:002016-07-14T16:29:58.247+08:00理財、投資與日常生活的關係。<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzvfPTI4qi3BgzAsbSxT-2biHZiH3aM2fPMv4W-mXO2bkYEikJ0Hni-uHKyhPY1SqjzgXw1_8noBWMLUCQ-5qU5t2Pk_hrPcmhv0LvuOIOoST4Ko-V4u1Y-VVXhGL8g9T6TPIP46cCjZc/s1600/012-160714.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzvfPTI4qi3BgzAsbSxT-2biHZiH3aM2fPMv4W-mXO2bkYEikJ0Hni-uHKyhPY1SqjzgXw1_8noBWMLUCQ-5qU5t2Pk_hrPcmhv0LvuOIOoST4Ko-V4u1Y-VVXhGL8g9T6TPIP46cCjZc/s320/012-160714.jpg" width="320" /></a></div>
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<span style="font-size: large;"><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">大家有否試想過,將生活的思維融入理財、投資,原來也是可行。當做任何理財、投資前,試將其簡單生活化思考,可能也幫助到自己的決定。</span></span><span class="hascaption"><span lang="EN-US"><o:p></o:p></span></span></span></div>
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<span style="font-size: large;"><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">理財:薪金一個月發一次,你首十天已用了大半,餘下當月的日怎過。而且,更沒有儲蓄,將來日子更難過。</span></span></div>
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<span style="font-size: large;"><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">二</span><span lang="EN-US">) </span></span><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">生活:舉重時,會評估自己承受的重量能力,揀選合適自己重量的啞鈴。不會一開始舉很重的啞鈴,使自己吃力之餘,更有可能令自己受傷。</span></span></span></div>
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<span style="font-size: large;"><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資:置業時,因應自己的首期及供款能力,先做壓力測試評估自己供款能力,揀選供款能力範圍內的之物業。過貴的物業,有可能賠上訂金或是斷供被銀行收樓。</span></span></div>
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<span style="font-size: large;"><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資:買股票、抽新股時,不論任何人或媒體講什麼都好,不應人云亦云,別人買什麼、抽什麼,不知買來的目的是什麼,便跟著別人計劃投資。同一樣投資產品,別人買了賺錢,不代表你買了都是賺錢。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">四</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">生活:長跑時,每個人的體質、氣量都不同,需因應自己的狀況,來判斷步速,不應跟隨別人的步速。在不同的路段(平路、上斜、落斜),應用什麼速度,頭、中、尾段應用幾多力氣,自己好好分配,才可最終跑過終點。</span></span></div>
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<span style="font-size: large;"><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資:買投資產品時,因應每個人的能力、財力、關係都不同,來決定怎部署,便跟盲目跟著別人投資。在不同的成長階段(年輕、中年、年長)需分配幾多資金,及在不同的時期、經濟環境,作出準備,才可最終財務自由。</span></span></div>
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<span style="font-size: large;"><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">五</span></span><span class="hascaption"><span lang="EN-US">)</span><span lang="EN-US"> </span></span><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">生活:小時侯,不知大家有否捉中國象棋。至勝之道,不會只諗著當前的一步應怎行,應需預計自己及對方將會怎行下一或兩步。如高手,當然會考慮多幾步,及部署出兩、三個計劃,當遇上變化時早有準備。</span><span lang="EN-US"><o:p></o:p></span></span></span></div>
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<span style="font-size: large;"><span class="hascaption"><span lang="EN-US"> </span></span><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資:當做任何投資時,應需預計當面對經濟差、加息、脫歐時,會對個人組合會有什麼影響,及發生前做好兩、三個部署方案。因為假設事件是已發生了,總好過猜算未來動向或結果。另外,好多時媒體或財演,當事情發生了,總是會將結果給予原因或解釋,這全都是沒意思的。</span><span lang="EN-US"><o:p></o:p></span></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">總結:當理財、投資想不通時,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不需想到很複習,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">試從</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">在</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">簡單</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">的</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">日常生活角度中想一想,或者有所得著或幫助。</span></span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com6tag:blogger.com,1999:blog-2479094015153370676.post-44763052479836691062016-06-28T13:01:00.002+08:002016-06-28T13:02:33.933+08:00投資,很複雜或是很簡單?<div class="separator" style="clear: both; text-align: center;">
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資,以大部份人認</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">識</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的股票做例子,某部份人會用上專業的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">「</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">技術、圖表</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">」</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">分析走勢及動向,作出投資判斷,而這類分析一般普羅大眾不易明白。相反,某部份人簡單地只聽財演、媒體或朋友的簡說,未了解該股票的簡單的基本資料(如背景、業務等),講個信字便作出投資,更甚的會大額押下。另有某部份人因感到不安或恐懼蝕錢,而不作任何投資。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一個普通的散戶投資者,投資知識及學問,不需太專業,投資工具亦不需太複雜。除明白及了解所選的投資工具的規則、特性外,需有化煩為簡的思維,再而慢慢加深有認識。同時,需有黑天鵝的心理準備,當出現時有一至兩個方案準備。好的價值投資者,不會因市況、經</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">濟</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">有所調整時,感到過份興奮及焦慮的情緒。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">筆者認為越簡單的投資工具,反而是最有效用。如創業版股、牛熊、窩輪等,這類型投資工具,連專業的投資者都未必適合,更何況是忙於工作的上班一族。以下幾種簡單的投資工具,都不會是很複雜,更是大家在生活中有聽過及用到。只需了解它的特性及簡單思考,會很複雜或太恐懼嗎?</span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">定期(如港元):比較每間銀行的定期的息率。如外幣定期,請考慮該貨幣匯率的升跌。</span></span></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">定期特性:到期可取回本金。目的:收息。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">簡單投資思考:銀行倒閉機會大嗎?在存款保險制度下,當銀行有明確倒閉狀況時,最高可獲五十萬的賠</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">償</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,穩定存款戶的信心。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">二</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">股票(如內銀股票)</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">:</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資者懂計算價值的故然好,但不認識的,可嘗試了解該股票基本資料,如公司背景、業務動向、近五年的派息、高低價格等。買進後,慢慢等價格增長,中間升跌波幅不需太理會,但亦需定時留意該公司的動向及消息作評估。</span></span></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">股票特性:價格可升跌,不保本。目的:收息及股價增長。</span></span></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">簡單投資思考:內銀是中國的五大國有商業銀行,阿爺不會就手旁觀。消息透明度高。</span></span></div>
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<span style="font-size: large;"><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">三</span><span lang="EN-US">) </span></span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">債劵(如新鴻基):買入中高級的企業債劵,公司違約、倒閉,機會不高。是以收息為主,不應短期作炒賣價格。但當債價升到某一個水平,或經濟因素有所轉變時,才考慮換馬。</span><span class="hascaption"><span lang="EN-US"><o:p></o:p></span></span></span></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">債劵特性:到期保本。目的:收息。</span></span></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">簡單投資思考:香港四大地產發展商之一,在香港大部份人都認識。需留意公司未來動向、發展項目、年度報告等,而且大型公司新聞不難找尋,透明度相當高。</span></span></div>
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<span style="font-size: large;"><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">四</span></span><span class="hascaption"><span lang="EN-US">)</span><span lang="EN-US"> </span></span><span class="hascaption"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">物業(如細價樓):物業可作自住、投資用途。而投資,一般以長線為主,租金大於供款,產生現金流,不必理會樓價短期升跌。</span><span lang="EN-US"><o:p></o:p></span></span></span></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">物業特性:樓價可升跌,不保本。目的:收租及樓價增長。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">簡單投資思考:注意政府政策帶來樓價的影響。樓倒</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">塌</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">機會很微。樓價跌到零的機會很微。如果真的發生,應發生大件事,其它投資都應已受一定影響,但樓宇怎樣都住的需要,而投資的差極仍有租金收入。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: , serif;">總結:不論什麼投資工具,如股票期權、</span><span lang="EN-US" style="font-family: "times new roman" , serif;">REITS</span><span lang="ZH-HK" style="font-family: , serif;">、</span><span lang="EN-US" style="font-family: "times new roman" , serif;">ETF</span><span lang="ZH-HK" style="font-family: , serif;">,總有其特性,需了解規則、知道產品目的,加以簡單思考。投資不需很專業,而複雜的計算方式,亦不等如可令你賺錢。專業的詞彙,只是給財演拋書包時用,可加強他們的說服力。</span></span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com6tag:blogger.com,1999:blog-2479094015153370676.post-20145162830434467522016-06-15T16:21:00.002+08:002016-06-15T16:21:51.191+08:00認清自己屬於那類人?<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisDPbzCIqzQ5_NZ1Wi3PGFkOj0phR3dfoCAvLMLQFtKY6T0CmFsinJD_SCwkmzhH6FPzplcrwBM5fUY_RwBNabqVatCA4JMrwdRdPq6DBYEJA97pfamKZt_M2outX_b05d7bSojiFHBcE/s1600/010-160615.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisDPbzCIqzQ5_NZ1Wi3PGFkOj0phR3dfoCAvLMLQFtKY6T0CmFsinJD_SCwkmzhH6FPzplcrwBM5fUY_RwBNabqVatCA4JMrwdRdPq6DBYEJA97pfamKZt_M2outX_b05d7bSojiFHBcE/s320/010-160615.jpg" width="320" /></a></div>
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<span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">社會上收入的來源,大致可分為以下三種人士</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">認清自己是</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">那</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">類型:</span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">專業人士(如醫生、律師)</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">:</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">這類人士都是高收入人士,月薪十萬或以上,除固定薪金外,也會有因他們專業的知</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">識</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">帶來額外的收入,如專訪、顧問等。他們的收入,是因為他們本身已有資本,便是才華。收入是很多人的幾倍或以上。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">二</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">生意人士(如老闆、商家):靠自己經</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">營</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">業務,如飲食業、銷售業、服務業,來賺取收入,當公司有利潤時,有額外分紅。</span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">三</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">在職人士(上班一族):不論政府或私人機構工作,每月固定出糧,當普通職員,收入不高人士。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">社會上大部份人應屬於第三類的「在職人士」,俗</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">稱「</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">打工仔</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">」</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。做打工仔不是問題,</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">因筆者</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">自己亦是。但大多數打工仔總有個通病,每月只需有穩健的薪金,不被炒,薪金可活口便覺得沒問題。但大家要明白「薪金只能讓你活口,不能讓你幸福自由。」同時,他們的想法</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">會</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">規限自己,覺得薪金低</span><span lang="EN-US">(</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">月入萬餘元</span><span lang="EN-US">)</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,儲第一桶金亦是難事,認為做不到便不會去想</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">及做</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">其實當認定了自己是「打工仔」後,就需要付出生活上的一點犧牲,來換取日後幸福,正如專業人士初期將時間放在努力讀書、進修方面,考取專業資格從而為自己帶</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">來</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">豐厚的收入。而在職人士</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">達到財務自由</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,付出的初期是</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">靠兼職、薪金作儲蓄為主</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">透過前幾篇所講的方法、思維,</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">盡量搵錢及儲蓄</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">儲第一桶金不是難,在生活早期捨棄點享受,</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">來儲多點現金流,也是值得。</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">以買樓來舉例</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,每個階段的做法</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">不同</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,也會影響</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">儲錢速度及</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">現金流</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">效果</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">:</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">未有首期:</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不論買或租,應</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">否諗搬出獨立生活。還是應跟父母同住,及繼續儲錢更好?</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">答:跟父母同住,租金不用付出、更沒有額外支出(</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">如水、電、媒、伙食等。</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">)</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">二</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">儲到首期:評估有</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">否</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">能力供得起?有能力供得起,是否有需要搬出獨立生活?或是買後放租給別人住化算得多。答:跟父母住,未有自住需要時,由租客幫供樓之餘,可能仍有正現金流。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">三</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">決定置業:有自住需要時質素上,是買新樓、有會所、夠豪華的;或是樓齡大一點的二手樓、沒會所、實用、有投資價值。答:新樓包了溢價在內,投資價值比二手物業為少。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">四</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">置第二房:當買第二間樓齡較細的物業時,是會自己仍住舊的一間,將新的一間租給別人?答:第二間物業是值租一點,當然取多點現金流。</span></span></div>
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<span style="font-size: large;"><span style="font-family: 新細明體, serif;">總結:</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">先認清自己是那專業、生意、在職人士,決定自己應將會點行。</span><span style="font-family: 新細明體, serif;">在職人士需知道:</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">「</span><span class="hascaption"><span style="font-family: 新細明體, serif;">老闆只</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">能</span><span style="font-family: 新細明體, serif;">給你職位,</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">但</span><span style="font-family: 新細明體, serif;">不</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">能帶</span><span style="font-family: 新細明體, serif;">給你將來</span></span><span lang="ZH-HK" style="font-family: 新細明體, serif;">」</span><span class="hascaption"><span style="font-family: 新細明體, serif;">。為自己早點儲第一桶金,早期根基要做得好及明白儲現金流的重要性。</span></span></span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com6tag:blogger.com,1999:blog-2479094015153370676.post-59000440063062441462016-06-10T23:55:00.001+08:002016-06-10T23:55:47.780+08:00怎樣建立成功的人際網絡?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5fsVRNBn0qJmJElQJt24sIRIAWDhRrQPPTsmBAkT6iV7ZRiIQt7hlEtfzGEYUbr56xbNbvjQwO-ycUzTiT8yIKEWulQGoqfov8IccWxZwP8sAR1g26qMhMpiGL6BnhAi_OK1DXZ-XUFs/s1600/009-160610.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="205" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5fsVRNBn0qJmJElQJt24sIRIAWDhRrQPPTsmBAkT6iV7ZRiIQt7hlEtfzGEYUbr56xbNbvjQwO-ycUzTiT8yIKEWulQGoqfov8IccWxZwP8sAR1g26qMhMpiGL6BnhAi_OK1DXZ-XUFs/s320/009-160610.jpg" width="320" /></a></div>
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<span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></div>
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<span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">建立</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">成功</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的人</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">際網絡</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,是個人重要的</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">資產。</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">試想想一個人的能力是有限的,如在職時,老闆需借助員工的力量,才能令生意做得更好。所以認識多點不同行業的人,對自己日後是有幫助,而認識到跟自己諗法的人更好。套用在理財方面,如認識到銀行經理、地產經紀、保險經紀等行業的人,學到他們行內相關的知識之外,同時也會令個人資產增值不少。而建立成功的人際關係,可留意以下幾點:</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">與新相識的人,有著良好的溝通技巧。別人發言時,不論內容是否合適自己,應耐心善聽及謙虛發問,可取的留為己用。反之,聽不入耳的,也無需加太多個人己見,因每個人都可有自己的想法。能聽懂對方的意圖,想法,目的。這樣才能更好理解別人,才能被他人理解,才能達成和諧的溝通。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">二</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">需要有付出的心態,在能力範圍內真心的幫助別人、真誠的與別人分享。社交的本質是用各種形式幫助其他人成功。共享你的知識與資源、時間與精力、友情與關愛,從而持續為他人提供價值,幫助他人其實是在幫自己。你會獲得更多的快樂、友誼、信任和關愛。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">三</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">朋友不是在需要他時,才想起。除不斷擴大自己的人際網絡外,定期與自己圈子裡的朋友保持聯繫。比如:運動、睇電影、聚餐、溝通閒談、結伴旅行及做義工等的事情。朋友之間的友誼,亦會加深。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">四</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">人與人之間是平等的,不要有階級高低之別,不要有錢多錢少之分,也不要看不起任何人。因一個時常能尊重他人的人,一定能贏得他人的尊重。切記不要覺得自己高高在上,目中無人,用謙虛的心待人處事才令自己人際做得成功。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">五</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">承諾過的事,都要保持跟進,不能沒有下文,而不了了之。保持做人的誠信,一言九鼎,兌現承諾,盡了力而幫不上,並客觀說明,才能獲得他人的信任。做任何事都要負責任,養成良好的習慣,同樣地別人也會對你負責。當別人幫不上時,因你的責任心關係,或會在他的人際網絡中</span><span style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-hansi-font-family: Mingliu;">的某個人</span><span lang="ZH-HK" style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-fareast-language: ZH-HK; mso-hansi-font-family: Mingliu;">,</span><span style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-hansi-font-family: Mingliu;">可協助</span><span lang="ZH-HK" style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-fareast-language: ZH-HK; mso-hansi-font-family: Mingliu;">到你</span><span style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-hansi-font-family: Mingliu;">的問題</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,從而認識多過新朋友。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">六</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">千萬不要吝嗇幫到你的人,如地產經紀、銀行經理等</span><span style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-hansi-font-family: Mingliu;">。</span><span lang="ZH-HK" style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-fareast-language: ZH-HK; mso-hansi-font-family: Mingliu;">因為他們都是在打工,如果你是投資客,</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">地產經紀</span><span lang="ZH-HK" style="background: white; color: #222222; font-family: "新細明體","serif"; mso-ascii-font-family: Mingliu; mso-fareast-language: ZH-HK; mso-hansi-font-family: Mingliu;">幫到你找間荀盤,沒理由跟他講減佣金,或甚至不比。將心比己,換轉是你,你願意給老闆減你人工之餘,仍不停叫你做事嗎?所以應付的需付。這也可令自己將來得益不少。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">有句話</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">:「</span><span lang="ZH-HK" style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">學歷是銅牌、能力是銀牌、人脈是金牌、思維是王牌、改變是免死金牌。</span><span style="font-family: "新細明體","serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">」</span></span></div>
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<span style="font-size: large;"><span style="font-family: 新細明體, serif;">總結:成功</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">的人</span><span style="font-family: 新細明體, serif;">際網絡</span><span lang="ZH-HK" style="font-family: 新細明體, serif;">,需用時間慢慢建立及需有良好的個人心態及習慣。一個人有幾叻、幾聰明都好,一個人力量是有限,所以人際關係是不可缺少。</span></span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com2tag:blogger.com,1999:blog-2479094015153370676.post-85187067050360074482016-06-07T22:53:00.000+08:002016-06-07T22:53:11.656+08:00訂下明確的具體「標竿」,及落實執行。<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQhpj5Bm-EQCDTNiiMmKm6HJvgGW-TeWG_9b8qyREXvBjdZ-lZYBTFNYVpXVOlvTVTmXHcygsaSKFjfBqq_dIC0nZAUw-98WGLsPkbPs30MbNgnJSi6ss2H752Bk76NEaHBmyMYCvzyXg/s1600/008-160607.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="177" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQhpj5Bm-EQCDTNiiMmKm6HJvgGW-TeWG_9b8qyREXvBjdZ-lZYBTFNYVpXVOlvTVTmXHcygsaSKFjfBqq_dIC0nZAUw-98WGLsPkbPs30MbNgnJSi6ss2H752Bk76NEaHBmyMYCvzyXg/s320/008-160607.jpg" width="320" /></a></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">有句話中學時,聽到一位牧師講做人應「努力面前,向著標竿直跑」,當時聽覺得好像沒什麼,因為照字面解讀不難明白,忘記背後,向著前面跑,跑到見到標竿為止。但人生有多少枝標竿,每個人都不同,而財務自由只係其中一枝標竿。而每枝標竿都應先對自己訂下明確的具體目標,才可發揮到效用,何為具體目標</span><span lang="EN-US">?</span></span></div>
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<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
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<b><span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">目標項目</span><span lang="EN-US"><o:p></o:p></span></span></b></div>
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<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">明確的具體標竿</span><span lang="EN-US"><o:p></o:p></span></span></b></div>
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<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">普通標竿</span></span></b></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">存款</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">為自己訂下目標為五十萬。</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">沒有一個明確數目,只空談。</span></span></div>
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<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.8pt;" valign="top" width="110"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">時限</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">訂下三年內。</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">慢慢儲,沒限定或再延遲。</span></span></div>
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<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.8pt;" valign="top" width="110"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">每月存款額</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">訂下一個數目為</span><span lang="EN-US">HK$14,000。</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">沒固定數目,儲到便儲。</span></span></div>
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<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.8pt;" valign="top" width="110"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">每月支出</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">做支出表,每月都會檢討。</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">從不檢討。</span></span></div>
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<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 82.8pt;" valign="top" width="110"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">獎賞及懲罰</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">超過</span><span lang="EN-US">55</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">:</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一萬元內的獎</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">勵</span><span style="font-family: , serif;">;</span><span lang="EN-US"><br />
</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">達到</span><span lang="EN-US">50-55</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">:</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">普通的獎</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">勵</span></span><span style="font-family: , serif;"><span style="font-size: large;">;</span></span><span style="font-size: large;"><span lang="EN-US"><br />
</span><span lang="EN-US">45</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬以下</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">:</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">大懲罰。</span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 167.85pt;" valign="top" width="224"><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span style="font-size: large;">沒有。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">當訂立所有明確的具體目標後,請給自己加上應有的獎賞及懲罰,這可提醒自己每月必需遵守及執行。到最後,盡了力只能達到</span><span lang="EN-US">4</span><span lang="EN-US">5</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬,距離目標只差</span><span lang="EN-US">5</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬,但都算是實實在在戶口裡有</span><span lang="EN-US">45</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">萬,並不是全白費,所以不要氣妥。最後,未達標或超標也好,這只是其中一個關卡。財務自由仍未達成的,所以都不要鬆懈。</span></span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結:</span><span lang="ZH-HK" style="font-family: , serif;">目標不可空</span><span style="font-family: , serif;">談</span><span lang="ZH-HK" style="font-family: , serif;">,訂立明確的具體目標,需知「自律性、執行性」的重要。</span></span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com6tag:blogger.com,1999:blog-2479094015153370676.post-27997607862163580532016-06-03T15:21:00.001+08:002016-06-04T20:32:12.794+08:00健康、保險,跟理財、投資也有重大的關連?<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsIQUDg_yOiksmxfdlCZKMxCyHBqsFq0zquhAN83xdtFkVqaZ49_QOoDaaQFesZDV62SO2Cfchp3R0I0ovOWkg4ECJIAusaP8mM3iQh6priQ8dRbVuDUz0cLB3T8GLAfQKfoEYjwOEWIc/s1600/007-160603.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsIQUDg_yOiksmxfdlCZKMxCyHBqsFq0zquhAN83xdtFkVqaZ49_QOoDaaQFesZDV62SO2Cfchp3R0I0ovOWkg4ECJIAusaP8mM3iQh6priQ8dRbVuDUz0cLB3T8GLAfQKfoEYjwOEWIc/s400/007-160603.jpg" width="400" /></a></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">健康及保險,兩者跟理財、投資是有重大的關連。</span><span lang="EN-US"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">健康方面:正如現在雖不是新年,但大家見面時都會以「身體健康」來跟對方祝福,因為健康在致富路上是重要的一環,就算財富幾多都沒用,如沒精神、力氣,不但影響理財及投資,甚至連享樂都不可以,這道理大家都應明白。所以平時怎樣忙都好,都應抽點時間做適量運動,如跑步、游水、打波等,及注意飲食。</span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">保險方面:大部份人認為自己年壯,身體好,沒病痛,便覺得不需要買保險,但保險用途除了保障未必能預見的風險、意外,及最重要的是保障我們的財產。假如受保人在生活中,遇上輕微突發意外而需進行手術及住院觀察,便可得到醫療、住院所需的開支賠償。而重則,假如受保人因意外身故、或患重病等,更是將風險轉移給保險公司作出人壽賠償。如果沒有投保,所有的醫療、住院及身故等開支費用,便須自行承擔,因而產生突如其來的財務問題。所以在理財計劃中加入保險,對自己及家人有個保障外,亦對保障個人資產發揮一定作用。</span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">講多一點,保險有兩種:一種是保障性成份高,而另一種是投資性成份高。</span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">保障性保險:要認清自己買保險的目的是什麼?如單是需保人壽、醫療、住院、危疾,應買一份純保障到以上事故發生的保險便可。如有任何儲蓄、投資成份的,都不需要買。這便可以慳到更多的保費,或將慳回來的保費,用來加大保額更為恰當。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">二</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資性保險:都可畫分為兩種,一種是以每月、每季供款形式作投資性的基金;另一種是抵押性,可在指定年期後,取回保證現金值。</span></span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結:有健康,才是致富路上的大命脈。</span><span lang="ZH-HK" style="font-family: , serif;">而</span><span style="font-family: , serif;">保險,</span><span lang="ZH-HK" style="font-family: , serif;">對</span><span style="font-family: , serif;">保障自己及家人之</span><span lang="ZH-HK" style="font-family: , serif;">外</span><span style="font-family: , serif;">,亦是為保障自己的資產</span><span lang="ZH-HK" style="font-family: , serif;">,所以保險是有需要做的</span><span style="font-family: , serif;">。</span></span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com5tag:blogger.com,1999:blog-2479094015153370676.post-69701938981731498632016-05-31T15:09:00.002+08:002016-05-31T15:45:06.783+08:00借貸及借貸投資,好與壞、利與弊?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirAJe9PmyJr_jPyP7BEIgYUV5ta-RiuAjYDzc9jELK344F1TqttnflDfMa6rQA96eGn5zxiDnkLrjnS4Rjsj95NhPtFDaCWOPa8wdFdO6E-Ksyboa8mXMA8b7VHWb9X51iQ2bXEv3OmE4/s1600/006-160531.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirAJe9PmyJr_jPyP7BEIgYUV5ta-RiuAjYDzc9jELK344F1TqttnflDfMa6rQA96eGn5zxiDnkLrjnS4Rjsj95NhPtFDaCWOPa8wdFdO6E-Ksyboa8mXMA8b7VHWb9X51iQ2bXEv3OmE4/s1600/006-160531.jpg" /></a></div>
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">早前文篇</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">提及千萬不要以借貸來投資</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,因就算有豐</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">富</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">經驗的投資者也要小心處理,更何況初學投資或不善理財者,更是不應用這方法,因稍一不慎會影響個人財務上負擔、甚至更嚴重的破產,所以不這樣做是正確的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">由於借貸投資題材,是一個敏感及會影響個人債務風險的操作,所以日後遇上有關</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">借貸</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資方面,會加以作指細詳談,而這篇講的是借貸投資好與壞的概念。每個人需應獨立思考及分析,需明白不同的因素、情</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">況</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">下,做同一件事都會有不同的效果。而借貸或是借貸投資也好,是有「好與壞</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">、利與弊</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">」之分別,會因人而異,以下例子給大家思考一下</span><span lang="EN-US">:</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一</span><span lang="EN-US">) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一張普通的信用卡,會因個人理財差或因</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">高估</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">自己</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">還款能力</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的人,導致自己欠下巨額,累及</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">家人、</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">身邊親</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">朋</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">戚</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">友。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">所以作出任何借貸時,時刻都要多加注意。同一張信用卡使用方式不同,都是可令人慳到錢或欠下巨債。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">二</span><span lang="EN-US">) </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">大家常講</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的置業,大部份人買樓都會申請按揭,而按揭算是借貸的一種。但年長</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">的</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">長</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">輩,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">會覺得</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">按揭後</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">應盡</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">快還清</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,因可不用支付按揭利息,所謂</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">無債一身輕</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">是最好的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">但在低息</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">環境</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">下,這樣做是否適合?會否應拖長年期還款是好嗎?或是</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">就算</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">足夠的現金償還按揭貸款</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">都會</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">留</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">著現金比</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">較好呢?</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">而留著現金的,善於理財的會將多出來的錢作良好的投資賺取回報、慢慢一步步增進財富。相反,不善於理財的會將多出來的錢作消費來享受,如果是後者應盡早還款更適合。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">三</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">大家試想想,一間很有財力</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">及</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">現金流的大型上市公司,為什麼都需要發債來借錢?因它們經計算及風險評估後,借回來的債可作買資產、投資等,會為公司將來發</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">展</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">有更大的幫助及收益,利大於</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">弊</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">情況下,作出借貸投資。相反,有公司可能將借回來的債,用途不知支付什麼、作高風險投資</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">當周轉不來時,還不了或遲還債款的利息,都會在新聞聽到違約消息。</span></span><br />
<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></span>
<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><span lang="ZH-HK">四</span><span lang="EN-US" style="font-family: 'Times New Roman', serif;">) </span><span lang="ZH-HK">最貼身的有即日公開認購</span>政府推出的第六批通脹掛鈎債券<span lang="EN-US" style="font-family: 'Times New Roman', serif;">iBond6</span><span lang="ZH-HK">,有部份証劵公司,以免佣、孖展免息或少息、免按金認購等吸引新客戶,這都算是借貸投資的一種。長線或短線持有,都不需多講。</span></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">其實,個人借</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">貸、孖展、按揭、槓桿、融資、抵押等</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,這都算是債務,而</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">用得其所,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">有如上市公司情況一樣,可令個人資產、財富增值,便算是良好的債務</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">而怎樣用得其所,在這篇文章</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不能</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">詳細講解,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">日後講及個案或例子時,可作更多分享。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">因為受太多因素影響</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">會</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">效果,如財力、</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">能力、思維、經濟、利率、技巧、策略等因素。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">最後,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">再次長氣地提一下大家,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">作出任何借貸投資,都應先做個人承受風險能力評估,如</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">令</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">個人</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">非常大壓力</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">食、睡都不安,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">那就不應做</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span></span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結:借貸</span><span lang="ZH-HK" style="font-family: , serif;">投資</span><span style="font-family: , serif;">是利大於</span><span lang="ZH-HK" style="font-family: , serif;">弊</span><span style="font-family: , serif;">、或是</span><span lang="ZH-HK" style="font-family: , serif;">弊</span><span style="font-family: , serif;">大於利,沒有一個</span><span lang="ZH-HK" style="font-family: , serif;">明確或</span><span style="font-family: , serif;">定律</span><span lang="ZH-HK" style="font-family: , serif;">的答案</span><span style="font-family: , serif;">,</span><span lang="ZH-HK" style="font-family: , serif;">只講作是因人而異,按個人理財、投資的操作方法而有所不同。</span></span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com6tag:blogger.com,1999:blog-2479094015153370676.post-87046687426092508692016-05-27T15:03:00.000+08:002016-05-27T15:03:37.005+08:00真正的投資風險是什麼?及評估風險承受能力的重要性。<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkIN4Vzzc0uuLn2imbLC0nH9__LtP78vXTwDKHlSbta5fR0sedtWwFDmVjoDUwMk9YhuY90ZXd131e2aWFy_VEcD8LUUKrubuWCDyEEw6mbkswvMCnsrXL-LfO4ux0gzwUQ7erkM1TejY/s1600/005-160527.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkIN4Vzzc0uuLn2imbLC0nH9__LtP78vXTwDKHlSbta5fR0sedtWwFDmVjoDUwMk9YhuY90ZXd131e2aWFy_VEcD8LUUKrubuWCDyEEw6mbkswvMCnsrXL-LfO4ux0gzwUQ7erkM1TejY/s320/005-160527.jpg" width="320" /></a></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">財務自由講的不是投機,不</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">會以</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">短暫</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">性、頻密的買賣形式投資</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,反</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">之好的投資物是應用時間來收取</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">持續性</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的正現金流</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。首先</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">投資</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">本身不</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">是最大的風險,而是投資者本人是最大的風險,當投資者不是專才時,但自己當作為這類人,是非常危險的。對股票不熟</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">及</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不作分析,只聽</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">媒體上的財演</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">講</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">或人云亦云,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">以短炒模式獲利,幸運</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的可能</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">獲利兩、三次,但這些賺價模式是否可持續。</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">有部份人買股票</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">時仍未買入,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">像</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">已</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">知道必賺的一樣</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">計算</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">將</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">會贏幾多</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">已定下止賺位。雖然,明白每個人的想法</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,每次</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">下注</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">都應諗</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">贏,如果唔係</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">買</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">來</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">為</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">什麼,但市場不會每次像你所想的如你所願。投資前,除需對投資產品的認知、分析其價值外,不需</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">先</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">估計將</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">會</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">買入的投資產品價格升或跌。而應是先評估當投資產品最差情況時,先了解自己承受風險能力。及當投資產品價格回調時,投資產品的防守性是否算高,而</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">在</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">這段期間,仍可</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">否繼續</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">產生被動收入。以下</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">用</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">物業、股票</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">舉個</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">例子</span><span lang="EN-US">:</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">問</span></span><span style="font-family: , serif; font-size: large;">:</span><span style="font-family: , serif; font-size: large;">當物業回調兩成、五成、甚</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">至</span><span style="font-family: , serif; font-size: large;">最裴觀價</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">格跌到</span><span style="font-family: , serif; font-size: large;">零</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">時</span><span style="font-family: , serif; font-size: large;">,自己</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">風險</span><span style="font-family: , serif; font-size: large;">承受能力是否可以</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">接受到</span><span style="font-family: , serif; font-size: large;">呢?</span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">答</span></span><span style="font-family: , serif; font-size: large;">:</span><span style="font-family: , serif; font-size: large;">物業如在市區、地鐵附近,防守力算不錯、物業價值跌到零,但差極都算有租金收入。</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">在經濟因素差的環</span><span style="font-family: , serif; font-size: large;">境</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">下,物業便宜點都可租出去,算是有正現金流。</span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">問</span></span><span style="font-family: , serif; font-size: large;">:</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">相反,</span><span style="font-family: , serif; font-size: large;">當股票</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">同一情況下,</span><span style="font-family: , serif; font-size: large;">回調兩成、五成、甚</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">至</span><span style="font-family: , serif; font-size: large;">最裴觀價</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">格跌到</span><span style="font-family: , serif; font-size: large;">零</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">時</span><span style="font-family: , serif; font-size: large;">,自己</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">風險</span><span style="font-family: , serif; font-size: large;">承受能力是否</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">又</span><span style="font-family: , serif; font-size: large;">可以</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">接受到</span><span style="font-family: , serif; font-size: large;">呢</span><span lang="EN-US" style="font-size: large;">?</span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">答</span></span><span style="font-family: , serif; font-size: large;">:</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">買的</span><span style="font-family: , serif; font-size: large;">股票如是藍籌、公用股等,防守力算不錯,股票價</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">格</span><span style="font-family: , serif; font-size: large;">跌到零,</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">如有派息的股票,</span><span style="font-family: , serif; font-size: large;">差極都算有股息。但市況差時,有可能減或不派股息。</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">當然有實力的</span><span style="font-family: , serif; font-size: large;">藍籌、公用股等</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">會相對安心,靜待好轉後財息兼收。相反,如買入以的是二、三線的細價股票,未必有息收之餘,市況差時價格更令人坐得不安。這類型股票是適合極少數投機者作</span><span style="font-family: , serif; font-size: large;">賺價</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">之用。而這類人絕對不會是筆者。</span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結:</span><span lang="ZH-HK" style="font-family: , serif;">財務自由是以長時間持續地收取正現金流為主要模式。</span><span style="font-family: , serif;">做任何投資前</span><span lang="ZH-HK" style="font-family: , serif;">,除要獨立思考及分析外,</span><span style="font-family: , serif;">投資需量力而為</span><span lang="ZH-HK" style="font-family: , serif;">,作出個人評估風險承受能力,要有</span><span style="font-family: , serif;">「先計輸」、「</span><span lang="ZH-HK" style="font-family: , serif;">再</span><span style="font-family: , serif;">計回報</span><span lang="EN-US" style="font-family: "times new roman" , serif;">(</span><span lang="ZH-HK" style="font-family: , serif;">現金流</span><span lang="EN-US" style="font-family: "times new roman" , serif;">)</span><span style="font-family: , serif;">」、「後計贏」</span><span lang="ZH-HK" style="font-family: , serif;">的思維</span><span style="font-family: , serif;">。</span></span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com8tag:blogger.com,1999:blog-2479094015153370676.post-41043838917902844852016-05-24T13:39:00.000+08:002016-05-27T00:21:03.520+08:00不投資、只儲蓄,等如不會蝕?<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgO_tdOSwMXhSOFAFtpyLG2knWs1Je5avohtNw_sePHAbK1ZKdE0Jcl66SwGzMbkAqQS4G-BAgg2K8NzTa0AHxT6uMFYxm_Ej5DVR6ZSM06lZ6qpUxYhZXH-CxHT6oEIEQG4L75RaDfUvs/s1600/004-160524.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgO_tdOSwMXhSOFAFtpyLG2knWs1Je5avohtNw_sePHAbK1ZKdE0Jcl66SwGzMbkAqQS4G-BAgg2K8NzTa0AHxT6uMFYxm_Ej5DVR6ZSM06lZ6qpUxYhZXH-CxHT6oEIEQG4L75RaDfUvs/s320/004-160524.jpg" width="320" /></a></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">投資,會有人問</span><span lang="EN-US"> : </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">投資失利怎算,不投資不是更安全</span><span lang="EN-US">? </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">筆者會反問</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">不</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">投資是否等如不會輸</span><span lang="EN-US">? </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不投資,只靠薪金及</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">兼職做主動收入</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,輸的</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">是需透過時間產生出來</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">的複利息</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">、及經濟帶來的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">通賬</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">等。以通賬來計,輸得已很慘,如衣、食、住、行,四種日常生活所需,都跟以往都不一樣。而薪金又是否真的跟到通賬呢?到了</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">退休時,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">因年輕時不投資只靠積蓄,是否真的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">可</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">安享人生呢</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">所以及早作投資打算,令自己不會被通賬影響生活是需要的。其實不投資,已跟自己將來生活作賭注,因已押下在未來經濟一直不會增長。</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">年輕時,可能會在投資中交</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">點</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">學費,但勝在</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">有的是時間及</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">夠年輕,跌倒過可起</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">得</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">番身。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">反之</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">年老時,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">才初</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">進場投資,這便是</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">風險甚高,更是</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不智。當然,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">年輕投資時,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">就算</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">當</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">交學費,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">都須預算</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">在儲蓄</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">部份中,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">用</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">多少</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">百份比</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">做</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">投資,及</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">計算</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">自己的承受風險能力</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。初投資時,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">千萬不要借貸來投資。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">就算是豐富的投資者,借貸用得不恰當,都會令自己睡也不安的。</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">投資不需要高深的數學理論,及避免</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">選取</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">複雜性投資,覺得投資產品不明白、不適合自己,不要規限自己跟別人做同樣的投資,因為投資收息工具,並不只得一種。當學習投資時,多發問、多聆聽、多耐性、及有良好的</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">思維</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">在年輕時,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">應</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不斷學習</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">及</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">分析</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">投資。而</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">作出投資前,是先計輸、中計回報、才後計贏,而每</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">樣投</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">資</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">都</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">有不同的特性,因應不同年齡、背景、財力,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">選取出合適自己的投資組合。</span></span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結</span><span lang="EN-US" style="font-family: "times new roman" , serif;"> :</span><span style="font-family: , serif;">投資不</span><span lang="ZH-HK" style="font-family: , serif;">會是</span><span style="font-family: , serif;">零風險,存在銀行的定期都會有風險,只是高</span><span lang="ZH-HK" style="font-family: , serif;">與</span><span style="font-family: , serif;">低</span><span lang="ZH-HK" style="font-family: , serif;">之分別</span><span style="font-family: , serif;">。在於</span><span lang="ZH-HK" style="font-family: , serif;">了解</span><span style="font-family: , serif;">自己承受風險能力</span><span lang="ZH-HK" style="font-family: , serif;">後,將投資風險</span><span style="font-family: , serif;">降低。</span><span lang="ZH-HK" style="font-family: , serif;">對投資</span><span style="font-family: , serif;">不</span><span lang="ZH-HK" style="font-family: , serif;">了解、不清楚情況下</span><span style="font-family: , serif;">,</span><span lang="ZH-HK" style="font-family: , serif;">都不應作出任何投資。</span></span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com8tag:blogger.com,1999:blog-2479094015153370676.post-73317485111464561312016-05-19T14:46:00.001+08:002016-05-19T14:58:05.301+08:00儲蓄方法五花百門(下篇)。<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfaqH0lweuxzNjOmEtYTGExV4Ha4AN0NSI6t9vVIxyu6aQADoSbsCxhPTpuE2clWAUJ-m14pCHPRG8M2pNeNpaWUm6IRXtto9n-GxYEhPESOqOwdw8ygaKx0b6jvM7_RNXNvDMVcEbXts/s1600/003B-160519.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfaqH0lweuxzNjOmEtYTGExV4Ha4AN0NSI6t9vVIxyu6aQADoSbsCxhPTpuE2clWAUJ-m14pCHPRG8M2pNeNpaWUm6IRXtto9n-GxYEhPESOqOwdw8ygaKx0b6jvM7_RNXNvDMVcEbXts/s400/003B-160519.jpg" /></a></div>
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<span style="font-family: , serif;"><span style="font-size: large;">儲蓄方法是有好多種,將這些方法只要堅持及紀律性的實行。過了一段時間,成為習慣,也不覺得有什麼問題或難行。繼<a href="http://mark6interest.blogspot.hk/2016/05/blog-post_18.html" target="_blank"><span style="color: purple;"><b>上篇</b></span></a>,寫多幾個儲蓄例子</span></span><span style="background-color: white; color: #141823; font-family: , serif; font-size: 12pt;">:</span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">六</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">現金劵</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif";"> </span><span lang="EN-US" style="font-family: "新細明體" , "serif";">- </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">商店在網上推廣時,都會以登記、答問題、先按先得等方式,送出戲票、船票、日常用品、食店、超市的現金劵,日後可以善用。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">七</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">)</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">信用卡回贈</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> - </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">信用卡的新申請或儲積分,會送出不同的現金劵、或因積分可兌換機票。當使用信用卡消費或申請時,不應因為了積分而消費,而是所消費的用途是有需要才碌卡</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">如一班同事飲茶時才碌卡</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">,注意碌卡一定要有自控能力。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">八</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">)</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">節日</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> - </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">餐廳在節日時,推出情人、聖誕等套餐,都是由商家包裝得非常浪漫、吸引情侶的宣傳技倆的手法,這類節日性消費都會盡量避免,因節日價錢在平日食的話,可以食到兩、三餐。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">九</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">)</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">節目</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">/</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">活動</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif";"> </span><span lang="EN-US" style="font-family: "新細明體" , "serif";">- </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">可跟伴</span><span style="font-family: "新細明體" , "serif";">侶</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">自製一日低消費活動,定下兩人在假日的一整天消費,合共</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">2</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">00</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">元內的活動。如行山、博物館</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">免費時或申請全年証</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">等活動,或加以善用現金劵。當日如超出少少預算,並不重要,因跟伴侶用這規</span><span style="font-family: "新細明體" , "serif";">則</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">玩足一整日,想起過程及結果,會覺得厲害及開心。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">十</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">強迫性還款</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> - </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">如買樓時,首期是</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">4</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">0</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">萬【其實當時已儲到</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">50</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">萬】,但家人在許可情況下,願意無條件借給你首期。跟他們訂下還款期為三年內,規定自己每月需定額準時還款,如這段期間有加薪、</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">Bonus</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">、雙糧、額外收入時,應加大還款額。而這個案,最終是兩年半內完成還款,額外給家人的一點利息當作心意,利息給家人好過給銀行。這方法算是另類儲蓄,而且自控能力都要高。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結</span><span lang="EN-US" style="font-family: "times new roman" , serif;"> : </span><span lang="ZH-HK" style="font-family: , serif;">儲蓄方法五花百門</span></span><b><u><span style="color: purple;"><span style="font-size: large;">【</span><span style="font-size: large; text-align: justify;"><a href="http://mark6interest.blogspot.hk/2016/05/blog-post_18.html" target="_blank">上篇</a></span><span style="font-size: large;">】</span></span></u></b><span lang="ZH-HK" style="font-family: , serif; font-size: large;">及</span><b><span style="font-family: , serif; font-size: large;">【</span><span style="font-size: large;"><u><span lang="ZH-HK" style="font-family: , serif;">下篇</span></u></span><span style="font-family: , serif; font-size: large;">】</span></b><span lang="ZH-HK" style="font-family: , serif; font-size: large;">,</span><span lang="ZH-HK" style="font-family: , serif; font-size: large;">只是筆者覺得有用的方法,而儲蓄是沒有固定的模式。讀者因應自己的情況,自行訂立儲蓄方法,不需跟著別人的方法實行。</span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com0tag:blogger.com,1999:blog-2479094015153370676.post-37999483828945206512016-05-18T15:05:00.001+08:002016-05-22T13:20:52.501+08:00儲蓄方法五花百門(上篇)。<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";"><br /></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">今篇是延續上篇文章</span><span lang="EN-US">"</span><a href="http://mark6interest.blogspot.hk/2016/05/blog-post_16.html" target="_blank"><span style="color: purple;"><b><u><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">《</span></u></b><b><u><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">不要給自己找藉口,而不儲蓄。</span></u></b><b><u><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">》</span></u></b></span></a><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">所講,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">儲蓄方法是五花百門,而儲蓄是沒有固定的方法。做起來時,不會影響到個人日常生活,也不會感到苛刻,任何合適自己而儲到錢的便是好方法。一連兩日筆者跟讀者分享儲蓄的方法及思維:</span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">一</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">薪金</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> - </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">當薪金因升職或轉職時有所遞增時,不應將每月消費和享受加大,因為沒這個需要。反而,應將每月儲蓄加大。如加幅比例很多,可給自己一點獎勵,因為這是一次性消費,當作給自己鼓勵。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">二</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">單身</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">/</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">伴侶的消費</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> - </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">單身時,消費性活動應盡量減少或沒有。朋友的聚餐或活動,沒必要的話不需相約在高級餐廳,多以便宜的連鎖快餐店進餐及閒談。而有伴</span><span style="font-family: "新細明體" , "serif";">侶</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">時,也不需每次拍拖活動以中高消費為主,因這都會影響每月的儲蓄模式。當然,拍拖時會多額外多了開支,所以每月預留一筆固定拍拖的金額,如有剩便儲起它,不應多過這預算數目。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">三</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">聯名戶口</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif";"> </span><span lang="EN-US" style="font-family: "新細明體" , "serif";">- </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">當認定對方為終身伴侶時,建議開立一個聯名戶口,而戶口內包含幾類存款。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="EN-US" style="font-family: "新細明體" , "serif";">i) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">每月固定的拍拖開支的餘額</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">如有</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">,建議每月應有剩,只是多或少。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="EN-US" style="font-family: "新細明體" , "serif";">ii) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">因應雙方薪金,每月固定存放合適比例金額,如出雙糧或酬金時,當月可存多一點。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="EN-US" style="font-family: "新細明體" , "serif";">iii) </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">額外收入時,</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">如買賣</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">iphone</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">、定期利息、</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">ibond</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">利息或現金獎等</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">做一個</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">Excel</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">表列明每月存款來源。聯名戶口的存款,是一個</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">有入沒出</span><span lang="EN-US" style="font-family: "新細明體" , "serif";">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">的戶口作為備用金,非必要性都不會用,當對投資有一定認知後,可作一點投資來增加存款。戶口除了建立備用金外,也可給雙方有安全感及互信。當你每月看住存款遞增,每一塊錢都是力量,使雙方有更大的儲蓄動力。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">四</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">)</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">八達通</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> - </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">會以存入現金方式增值,不會用信用卡自動過數增值。每次增值固定是一佰元,而且用途大多數是以車費為主,使自己消費不方便。及可令腦海大概有印象每月增值的次數。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">五</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">)</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">個人銀包內的</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">50</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">元</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"> - </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">假期與另一半出街時,好多時都只放著</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">50</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">元以內,有時甚至</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">20</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">元,因為已有每月固定的拍拖費用,存放在另一銀包。何需要帶金錢外出。初時,被另一半取笑,問有沒有攪錯,咁大個人帶</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">20</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-fareast-language: ZH-HK;">元出街,及如遇上賊仔時,更會激嬲他或給他取笑。</span><span lang="EN-US" style="font-family: "新細明體" , "serif";"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結</span><span lang="EN-US" style="font-family: "times new roman" , serif;"> : </span><span lang="ZH-HK" style="font-family: , serif;">不論另一半對理財認知如何,先做好自己儲蓄本份,日後跟他分享理財時,也有點說服力。如對方也認同理財的重要性,對儲</span><span style="font-family: , serif;">蓄</span><span lang="ZH-HK" style="font-family: , serif;">可事半功倍。</span></span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com0tag:blogger.com,1999:blog-2479094015153370676.post-80446786324935927652016-05-16T15:26:00.000+08:002016-05-19T21:39:36.200+08:00不要給自己找藉口,而不儲蓄。<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="http://nextplus.nextmedia.com/news/spot/20160514/395000" style="margin-left: auto; margin-right: auto;" target="_blank"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjE4Dff2GeDcIQkF2mxYhFVZrO8OvYxsZI-zBUSxvJvMR0kT9npWdImyzIvFaUw76I3Drg9bnXCxnlirdFpr0ZP8odv62MDTrObXYMslZytYHJEPMfGjPhYclns6VhM7NVG3JQd2JRNNCU/s400/photo.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://nextplus.nextmedia.com/news/spot/20160514/395000" style="background-color: white; color: #888888; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 12px; line-height: 16.8px; text-decoration: none;" target="_blank">按此先睇新聞內文</a></td></tr>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">新</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">聞</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">內容提及一對年青的準新人買樓,都是踏實地由儲蓄做起,每人每月儲</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">10,000</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">,用兩年時間儲到首期上車。筆者想講的重點不是買樓或他們每月儲</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">蓄</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">的多與少,而是上星期筆者在<b><u><a href="http://mark6interest.blogspot.hk/2016/05/blog-post_10.html" target="_blank"><span style="color: purple;">文章</span></a></u></b>所寫的部份內容關於</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">儲蓄</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">筆者未寫網誌時,劉鳴煒所講每月儲錢方法</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">每月只儲</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">3000</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">及每年去少點旅行、買少點商品等</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">,傳媒及部份年青人有好大回響及不太受落,有人認為那有可能做到嘛或堅離地。而筆者反而覺得他這樣的身份、地位,都講得出這番說話,真的不錯才對。而這番話,在一個理財好的人,會明白當中意義。只係在於他的身份講出來,效果不太好。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">其實他想表達的意思,是想帶出每月儲錢方法是必需的。從數目上來睇,雖然不算是大數目,但資金係需要透過時間而累積,當然日後是否可足夠結婚、買樓都好,至小做到有一定數目的備用現金。而在儲蓄期間,也會學到良好的性格及習慣</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">如耐性、毅力</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">。他所講每年去少一次旅行意思,除了指定的酒店、機票、飲食費用外,如對沒有消費自控能力者,有機會在購物上產生預計不到帶來額外的消費。幾方面加起來,都會影響到儲蓄。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">每個人在儲</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">蓄</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">時,不應給自己找藉口,如人工少、需比大部份家用等,有部人更講因消費、享受而不儲蓄,這全都不是理由,因筆者起初是由每月儲</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">2</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">000</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">開始的。每個人有沒有每月儲蓄習慣,是無對與錯之分,只是做與唔做之分,日後想有怎樣的生活質素之分別,如做月光族的,生活是想先享受;如想日後有機會生活好過點,為何不在工作的首幾年不先做好儲蓄</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">先苦後甜</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">)</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">?</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">為何年輕時不可忍耐及推或少一點的玩樂、享受?除在薪金、兼職扣了固定的部份收入來儲蓄外,只需將生活平實一點,從生活中所慳到的,便可加快儲蓄的進度。儲</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">蓄</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">方法是五花百門,而做起來又不太影</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">響</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">到自己生活,也不會感到苛刻,為何不及早做。下一篇,想跟讀者分享筆者用過儲錢或慳錢的方法,及認為正確的儲蓄思維,給讀者們參考。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;"><o:p></o:p></span></span></div>
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<span lang="ZH-HK" style="font-family: , serif;"><span style="font-size: large;">最後,每個人都需要儲蓄做第一步,資金是由儲蓄做起,投資是需要有資金。</span></span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com12tag:blogger.com,1999:blog-2479094015153370676.post-78762049241984446572016-05-12T14:32:00.000+08:002016-05-19T21:39:21.495+08:00六合彩1.69億的夢又沒了。為何幸運兒,總不是你或我?<div class="separator" style="clear: both; text-align: center;">
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<tr><td style="text-align: center;"><a href="https://hk.news.yahoo.com/1.69%E5%84%84%E5%85%AD%E5%90%88%E5%BD%A9-%E5%85%A9%E6%B3%A8%E7%93%9C%E5%88%86-220049579.html" target="_blank"><img height="266" src="https://s.yimg.com/bt/api/res/1.2/M2NQOJXHMjNfKjYLXEauyw--/YXBwaWQ9eW5ld3NfbGVnbztmaT1pbnNldDtoPTQwMDtpbD1wbGFuZTtxPTc5O3c9NjAw/http://media.zenfs.com/zh_Hant_hk/News/TheSun/0511-00176-056b1.jpg" style="margin-left: auto; margin-right: auto;" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="https://hk.news.yahoo.com/1.69%E5%84%84%E5%85%AD%E5%90%88%E5%BD%A9-%E5%85%A9%E6%B3%A8%E7%93%9C%E5%88%86-220049579.html" target="_blank">按此先睇新聞內文</a></td></tr>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;"><br /></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">星期二晚,</span></span><span style="font-family: , serif; font-size: large;">六</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; font-size: large;">合彩巨額彩池由兩注瓜分,雖然不知頭獎幸運兒是誰,但好肯定不是你跟我,因為他應不會坐在這兒看</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; font-size: large;">Blog</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; font-size: large;">。而且昨晚大家核號碼後,發覺幸運兒不是自己,會否帶著一點失落心情同自己講,希望下次係我喇,及明早早點起身返工。</span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">而文章所講</span><span style="background: white; font-family: , serif;">鍾先生</span><span lang="ZH-HK" style="background: white; font-family: , serif;">,落注前做晒功課,參考過往紀錄,得出心水號碼是</span><span lang="EN-US" style="background: white; font-family: , serif;">2</span><span style="background: white; font-family: , serif;">號及<span lang="EN-US">10</span>號,希望今次可中得頭獎。</span><span lang="ZH-HK" style="background: white; font-family: , serif;">但又是否真的可以呢?連</span><span lang="EN-US" style="background: white; font-family: , serif;">2</span><span lang="ZH-HK" style="background: white; font-family: , serif;">號</span><span lang="EN-US" style="background: white; font-family: , serif;">10</span><span lang="ZH-HK" style="background: white; font-family: , serif;">號都沒出現過,我當</span><span lang="EN-US" style="background: white; font-family: , serif;">2</span><span lang="ZH-HK" style="background: white; font-family: , serif;">號</span><span lang="EN-US" style="background: white; font-family: , serif;">10</span><span lang="ZH-HK" style="background: white; font-family: , serif;">號是有的,假如他的號碼組合大部份是細過</span><span lang="EN-US" style="background: white; font-family: , serif;">32</span><span lang="ZH-HK" style="background: white; font-family: , serif;">號以下,我諗好大機會不只</span><span lang="EN-US" style="background: white; font-family: , serif;">5</span><span lang="ZH-HK" style="background: white; font-family: , serif;">票獨得彩金,因為大部份人都會用自己或他人的出生月份、日期,來做號碼組合。當遇著彩池不多時,多人攤薄後,相對彩金是否足以一生夠用呢。當然,幸運地中到的話都替他開心。</span><span lang="EN-US" style="background: white; font-family: , serif;"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">明白大部份人都是想不勞而獲,筆者也曾想過。而鍾先生有分析及參考過以往的紀錄才下注,都算有做功課,出過一點勞力。但大部人都係想靠著運氣,輕鬆在網上投注也好</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">;</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">冒著大雨排幾個鐘長龍投注也好;山長水遠去一間中獎機會高的投注站投注也好,怎樣投注方法都好,為的買一個中頭獎機會。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">想借這次機會想帶出一點,為何不用這些時間、精神、毅力,處理好自己的理財、投資,製</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">造</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">每月多些正現金流回報,不是更好、更實際嗎?六合彩頭獎,一生人當中,計算埋你身邊的親</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">朋戚</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;">友,有多少個人中到?如真的有,是否又關自己事呢。而幸運地中獎了,對不理財的人,短時間內得到巨款是否好事?睇新聞大家都知不論年輕或是年長的人,這類人突然中獎,未必是一件好事,反之可以幾年間欠下巨額債務,甚至破產。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: major-fareast; mso-fareast-theme-font: major-fareast; mso-hansi-theme-font: major-fareast;"><o:p></o:p></span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: , serif;">時間真的不會等人,及早理財、投資是重要的,為自己找出合適的</span><span lang="ZH-HK" style="font-family: , serif;"> </span><span lang="EN-US" style="font-family: , serif;">"Mark
</span><span lang="ZH-HK" style="font-family: , serif;">息</span><span lang="EN-US" style="font-family: , serif;">"</span><span lang="ZH-HK" style="font-family: , serif;">組合,令自己帶來更多被動收入。將來真的有幸中了頭獎,都可不慌不忙地作出完善的處理這巨款的方法。</span></span><br />
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<span lang="ZH-HK" style="font-family: "新細明體" , "serif"; font-size: 12.0pt;"><br /></span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com2tag:blogger.com,1999:blog-2479094015153370676.post-36933092343053889082016-05-10T10:28:00.000+08:002016-05-19T12:27:40.453+08:00理財投資前,應先培養好的儲蓄習慣、消費模式、思維及耐性。<div class="separator" style="clear: both; text-align: center;">
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">令自己的財務變得更好,先培養自己好的理財習慣才投資。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">財務自由不需贏在起跑線,不是鬥</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">搵錢能力多、財力多、智力好</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,而是</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">要明白毅力比起前三者更重要,最後衝過終點線才是算是贏。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">理財、投資是重要的,而儲蓄是必要的,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">因投資是由</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">儲蓄做起</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。而財富更是透過時間去累積</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。所以不論任何年齡,當然從小開始更好,先必需</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">一直維持將錢存起來,使存款不斷增加,經過一段時間,使</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">儲蓄成為</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">習慣。不要被薪金收入有所限制,因多有多儲、少有少儲,但絕對不可以不儲,及不要因為儲錢進度緩慢而放棄,而且需為自己訂下薪金的</span><span lang="EN-US">40-50%</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">先扣起,作為每月儲蓄目標,其餘作家用及消費。</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">增加儲蓄方法</span><span lang="EN-US"> : </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">多開一個令自己提錢不方便的儲蓄戶口,每月固定扣起</span><span lang="EN-US">40-50%</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">的薪金存放入戶口</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,而存款只可在</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">網上</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">查閱,許可的話連</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">提款卡都不開</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,務求令自己不容易提款</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。筆者喜歡用一個鐵罐,透過每日或隔日將找續回來的硬幣放入罐子,讓自己感覺到每天都在更富有中。不要少看每一塊元,因財富是隨著時間、習慣一步步地成長!</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">誘惑的消費,消費前必需認清產品或服務是</span><span lang="EN-US">”</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">想要</span><span lang="EN-US">”</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">或是</span><span lang="EN-US">”</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">需要</span><span lang="EN-US">”</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。在消費方面都會面對被受誘惑,而不自覺地買下認為想要的東西,如市場上不斷推出至潮的新產品,它們會挑起你的購買慾,而且千萬不要以人有你有的心態來購物。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">如</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">買</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">手機</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">需知道為了什麼而買?</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">潮流、款色而買,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">這便是</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">想要</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。二</span><span lang="EN-US">)</span><span lang="EN-US"> </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">如買衫、褲,是否著兩三次後,又要轉款色再買過呢,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">這便是</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">想要</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">或者</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,有</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">些產品</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">或</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">服務</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">以減價或優惠做宣傳,但是否真的是</span><span lang="EN-US">"</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">需要</span><span lang="EN-US">"</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,有些更會帶來額外</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">或持續性</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">的消費。一</span><span lang="EN-US">) </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">如某遊戲商送你免費的戲,之後每月</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">需</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">支付月費、課金等費用。二</span><span lang="EN-US">) </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">如某酒店推出優惠,當你住滿三天會送兩天酒店,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">聽落</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">也算不錯,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">不過原本預算三天的行程,變了五天,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">而這</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">兩</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">天的玩樂、飲食等消費,亦需因為這次優惠而額外付出。</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">減低消費方法</span><span lang="EN-US"> : </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">每月大小開支的消費,都用</span><span lang="EN-US">
Excel </span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">表記錄下來,每月查看一次,會發覺那些消費是用在</span><span lang="EN-US">"</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">想要</span><span lang="EN-US">"</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">的產品或服務,而不是需要的支出。當然不需每日記錄上下班來回的車資、早午晚餐的費用,這類費用只需每月預算一個數便可。</span></span></div>
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<span style="font-size: large;"><span style="font-family: , serif;">總結</span><span lang="EN-US" style="font-family: "times new roman" , serif;"> : </span><span lang="ZH-HK" style="font-family: , serif;">存錢比的不是財力,而是你有多少毅力。</span><span style="font-family: , serif;">理財、投資的意義在於放棄現時短暫的享受、慾望,來換取將來更多的享受、自由。</span></span>Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com2tag:blogger.com,1999:blog-2479094015153370676.post-39290513733870950902016-05-06T12:42:00.000+08:002016-05-27T00:21:26.749+08:00不論年齡都應為自己理財作盡早打算。<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">大部</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">份</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">人年輕時,覺得理財不關</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">自己</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">事</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,認為</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">不應太早預算的事,而退休生活</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">會</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">怎樣過</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,在他們心目中</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">更是言之過早。他們</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">會</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">覺得剛出來</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">工作</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,每月只找</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">得</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">萬餘元,連消費都不夠用,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">如</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">何儲錢</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">呢</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,更談不上理財或投資。反而覺得應及時行樂</span><span lang="EN-US">(</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">如潮流物品想買就買、好食的東西想食就食、旅行想去就去吧,覺得年輕時不享受</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">多一點</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,老來想玩都無氣</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">力</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">玩</span><span lang="EN-US">)</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,便對自己講理財、投</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">資的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">事日後再算吧。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">或者</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">難聽一點,好像知道世界末日快來臨一樣,恐怕日後再沒機會</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">玩</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,選擇了先</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">早點</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">享受。</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">一年又一年的過去,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">到了適婚時期,</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">又不夠存款支付</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">結婚、買樓</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">帶來的龐大</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">開支</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">幸運一點</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">的,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">可能有家人幫助</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,不幸</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">一點的可能找私人借貸,從而令自己</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">多了個不良的債</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">務負</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">擔</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。當年長一點時,如工作遇上不如意</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">時</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">想轉工、</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">或想生小朋友</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">組織小家庭時,又會因財務問題上增添</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">另一個</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">煩惱。再年長一點</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">時,</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">更不用多講,退休後生活是否仍可依靠著強積金維持終老。既然</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">早或遲</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">都要諗</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">錢的問題</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,為何唔</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">盡</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">早為自己理財,不要將</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">理財、投資推</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">遲去諗</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">、去做。</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">而</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">到</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">年老時,又是否有能力或力氣去諗及去做嗎</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">?就算有,但承受風險能力又高得過年輕時嗎?年輕的儲錢自由度都會多一點及輕鬆一點,而且</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">年</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">輕</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">就係贏在有時間、</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">機會、能力、魄力,就算跌倒,仍可以企得番起身。</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">但</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">假如</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">真的遲了起步理財,都不要氣餒,最重要的是有</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">毅力、</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">決心,三、四十歲都好,都要先有良好儲蓄習慣為第一步,再而作出合適自己的投資作</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">被動收入</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">。</span></span></div>
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<span style="font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">有句說話</span><span lang="EN-US"> : "</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">你越不理財,錢越來煩你</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">。</span></span></div>
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<span style="font-size: large;"><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">總結</span><span lang="EN-US"> : </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">理財、投資是</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">應走的路</span><span lang="EN-US">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">,應盡早起步</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">及</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">做得妥善</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">,才可使</span><span lang="EN-US">"</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">想走的路</span><span lang="EN-US">"</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">行得</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-fareast-language: ZH-HK; mso-hansi-font-family: "Times New Roman";">自在及</span><span style="font-family: "新細明體" , "serif"; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman";">暢順。</span></span></div>
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Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com2tag:blogger.com,1999:blog-2479094015153370676.post-23266207750922477812016-05-03T17:02:00.001+08:002016-05-27T00:21:41.785+08:00建立一個適合自己的"Mark 息"組合,早日達到財務自由。<div class="MsoNormal" style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMC5qZKjf9WdeYFcx-nuI7rwx705olpW366pJALwbed4GZvc8umwncb8HBqfdUbbDKfFbb2RVRtx85t2cw2YA7i7NEQq5-Swt3REbk8xg3AorqEG0IIm_dBe3koUGtUC6ORV7l8JmyGtM/s1600/0000-road.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMC5qZKjf9WdeYFcx-nuI7rwx705olpW366pJALwbed4GZvc8umwncb8HBqfdUbbDKfFbb2RVRtx85t2cw2YA7i7NEQq5-Swt3REbk8xg3AorqEG0IIm_dBe3koUGtUC6ORV7l8JmyGtM/s320/0000-road.jpg" width="282" /></a></div>
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<span style="font-family: inherit; font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">我是一個多留意別人的理財、</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">投資<span lang="EN-US">blog</span></span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">及看理財、投資書藉</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">習慣</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">的人,同時也想跟多點不同理財、投資的人交流。從而</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">汲取</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">別</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">人</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">知識</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、技巧、</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">經驗</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、策略,而且也</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">可以了解一般人或投資者</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">投資</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">思維、</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">習慣</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、喜好等</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">。<span lang="EN-US"><o:p></o:p></span></span></span></div>
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<span style="font-family: inherit; font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">寫</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">"</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><a href="https://www.facebook.com/mark6interest/" style="font-family: 新細明體, serif;"><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><span style="color: purple;"><b>Mark </b></span></span><span lang="ZH-HK" style="color: purple; font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><b>息</b></span></a>"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">的專頁</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">/Blog</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">之目的是想大家明白到不論年長、年輕的人,如想日後可過著比較輕鬆、享往人生的生活,理財、投資是需要的,越年輕做越是更會容易做到。理財從不需要高深的數學、統計學的算法及知識、投資也不需要高深的理論及複雜的論證。只需有一套好的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">思維、方法、技巧、策略</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">,已足夠。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
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<span style="font-family: inherit; font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">財富是需用時間逐步遞增,從而運用不同投資工具,產生一項或以上的被動收入,來維持支付日常開支,使自己達到財務自由。如讀者是抱著如何短時間內,令自己財富倍增,這裡應不適合你。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
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<span style="font-family: inherit; font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">首先,大家需知道從來</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">最多人熟悉既投資</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">,都是</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">股票<span lang="EN-US">(</span></span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">細價股</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、牛熊、窩輪等</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">,原因</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">係</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">涉及金額細</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、流通快、夠方便、</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">夠大眾化</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">,先不講每天忙於工作的人是否可獲利,連專業或全職炒股的人也未必能做到每次都可獲利,而真正賺到錢的人有多少個,及又可否長期維持穩定的收入呢,答案在每個讀者心中都知是寥</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">寥</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">可數。而這類</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">衍生工具</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">投資,都不會適合在這平台交流。因為這平台主要交流以收息作被動收入為主的投資。</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><o:p></o:p></span></span></div>
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<span style="font-family: inherit; font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">雖然筆者現在的</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">"</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><a href="https://www.facebook.com/mark6interest/" style="font-family: 新細明體, serif;"><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><span style="color: purple;"><b>Mark </b></span></span><span lang="ZH-HK" style="color: purple; font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><b>息</b></span></a>"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">投資組合,是以</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">門檻高</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">風險低的</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">投資</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">物為主,如債劵、</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">REITS</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、住宅物業等,這些都是值得分享及交流。當然,也想跟讀者分享自己對儲</span><span style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">蓄</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">習慣、理財、投資的思維。及會講及其他過往、現在或將來,陪伴我成長的投資物,如定期、股票期權、債劵基金、</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">E</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">TF</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">REITS</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">、債劵、保險融資等投資,而當中某些投資物,是可利用按揭、抵押、槓桿等,令投資上發揮到一定的作用,因應每個投資者的背景,有不同好與壞的因素,可慢慢作交流。</span></span></div>
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<span style="font-family: inherit; font-size: large;"><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">詳盡簡介,可在</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"> Facebook "</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><a href="https://www.facebook.com/mark6interest/"><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><span style="color: purple;"><b>Mark </b></span></span><span lang="ZH-HK" style="color: purple; font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"><b>息</b></span></a>"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">專頁</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">(</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">關於</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">)</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">內看到。快點為自己打做一個</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">"</span></span><a href="https://www.facebook.com/mark6interest/" style="font-family: 新細明體, serif; font-size: x-large;"><span lang="EN-US" style="font-family: "新細明體" , "serif"; font-size: large;"><span style="color: purple;"><b>Mark </b></span></span><span lang="ZH-HK" style="color: purple; font-family: "新細明體" , "serif"; font-size: large;"><b>息</b></span></a><span style="font-family: inherit; font-size: large;"><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">"</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">組合,使自己多一份或以上的被動收入。我都可做得到,你也可做得到,祝讀者可早日達到財務自由。讀者可在</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"> Blog </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">對日後每個</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;"> post</span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; mso-ascii-theme-font: minor-fareast; mso-fareast-language: ZH-HK; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast;">留言或發表不同的意見。而有特別查詢或事項,可在</span></span><span lang="EN-US" style="font-family: "新細明體" , "serif"; font-size: large;"><span style="color: purple;">"<a href="https://www.facebook.com/mark6interest/" style="color: purple;"><span style="color: purple;"><b>Mark </b></span></a></span></span><span lang="ZH-HK" style="color: purple; font-family: "新細明體" , "serif"; font-size: large;"><a href="https://www.facebook.com/mark6interest/" style="color: purple;"><span style="color: purple;"><b>息</b></span></a>"</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; font-size: large;"> Facebook inbox </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; font-size: large;">或</span><span lang="EN-US" style="font-family: "新細明體" , "serif"; font-size: large;"> email : mark6interest@gmail.com </span><span lang="ZH-HK" style="font-family: "新細明體" , "serif"; font-size: large;">交流。</span></div>
Mark 息http://www.blogger.com/profile/18225682177173609170noreply@blogger.com2