tag:blogger.com,1999:blog-65483695624054943932024-03-05T12:06:23.008-08:00前往財務自由財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.comBlogger544125tag:blogger.com,1999:blog-6548369562405494393.post-37243775675068179382017-10-09T20:26:00.004-07:002017-10-09T20:27:07.538-07:00辭工獲加薪? 青年呻唔走都唔加 !<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="【晴報專訊】加薪「留人」,是不少企業常見做法。有打工仔自言在同一公司工作5年,由於經常OT及工作壓力大而辭職,但老闆提出加薪逾20%,令事主心大心細,並慨嘆「唔辭職都唔加人工」。有學者表示,部分中小企的加薪機制欠完善,長遠或難留住人才。" data-reactid="31" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
【晴報專訊】加薪「留人」,是不少企業常見做法。有打工仔自言在同一公司工作5年,由於經常OT及工作壓力大而辭職,但老闆提出加薪逾20%,令事主心大心細,並慨嘆「唔辭職都唔加人工」。有學者表示,部分中小企的加薪機制欠完善,長遠或難留住人才。</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="部分老闆平日對員工的升職或加薪,可能「闊佬懶理」。有網民指任職的公司工作量多、經常要OT及趕「死綫」,壓力大至需要求醫,惟公司每年加薪只有約1%左右,於是「扚起心肝」轉工。但當事主遞信辭職時,竟獲僱主提出加薪逾2成挽留。事主在帖文指,「其實我真係好心動,但一諗到之後要繼續過番呢種生活,就決定跳出去,但我有時又會諗,咁樣做是否好唔理智。」" data-reactid="32" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
<span style="color: red;">部分老闆平日對員工的升職或加薪,可能「闊佬懶理」。有網民指任職的公司工作量多、經常要OT及趕「死綫」</span>,壓力大至需要求醫,惟公司每年加薪只有約1%左右,於是「扚起心肝」轉工。但當事主遞信辭職時,竟獲僱主提出加薪逾2成挽留。事主在帖文指,「其實我真係好心動,但一諗到之後要繼續過番呢種生活,就決定跳出去,但我有時又會諗,咁樣做是否好唔理智。」</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="有網民指,部分老闆「見你唔出聲就用到你盡」,惟有靠員工努力爭取,或是「跳草裙舞」才可迫使僱主加薪。有過來人指,基於忠誠度的考慮,遞信辭職後不會再考慮留下,避免日後僱主「秋後算帳」。亦有人坦言工作太勞累至要看醫生,不如早些轉工好了。" data-reactid="33" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
有網民指,<span style="color: red;">部分老闆「見你唔出聲就用到你盡」</span>,惟有靠員工努力爭取,或是「跳草裙舞」才可迫使僱主加薪。有過來人指,基於忠誠度的考慮,遞信辭職後不會再考慮留下,避免日後僱主「秋後算帳」。亦有人坦言工作太勞累至要看醫生,不如早些轉工好了。</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="不加薪或致人才流失" data-reactid="34" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
不加薪或致人才流失</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="盈力僱員服務顧問首席顧問孫立民指,事主應考慮加薪幅度是否可補償工作量及壓力問題,借機會向僱主商議減少工作量才是上策。「因事主要離職的主因並非為錢,而是工作量及壓力。」他相信事主的僱主是「刻薄型」,平日「用到員工盡」,明知員工薪酬偏低仍不加薪,最終導致人才流失。" data-reactid="35" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
盈力僱員服務顧問首席顧問孫立民指,事主應考慮加薪幅度是否可補償工作量及壓力問題,借機會向僱主商議減少工作量才是上策。「因事主要離職的主因並非為錢,而是工作量及壓力。」<span style="color: red;">他相信事主的僱主是「刻薄型」,平日「用到員工盡」,明知員工薪酬偏低仍不加薪,最終導致人才流失。</span></div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="至於員工面對僱主挽留,要考慮甚麼因素?孫立民說,打工仔應思考該公司的前景,自己在該公司的發展機會,以及在公司的能力排位。「若自知在梯隊上排第1及第2,下1位升職便是自己,可考慮留低。」" data-reactid="36" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
至於員工面對僱主挽留,要考慮甚麼因素?孫立民說,打工仔應思考該公司的前景,自己在該公司的發展機會,以及在公司的能力排位。「若自知在梯隊上排第1及第2,下1位升職便是自己,可考慮留低。」</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="部分中小企機制不完善" data-reactid="37" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
部分中小企機制不完善</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="嶺南大學人力資源管理和企業行為碩士課程主任林敬新博士則指,部分中小企的加薪機制不太完善,往往要在遇上突發事件,如有員工辭職,才調整薪金。「這些中小企多數是年尾才加人工或派花紅,見行家咁做才有意識去做。」" data-reactid="38" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
嶺南大學人力資源管理和企業行為碩士課程主任林敬新博士則指,部分中小企的加薪機制不太完善,往往要在遇上突發事件,如有員工辭職,才調整薪金。「這些中小企多數是年尾才加人工或派花紅,見行家咁做才有意識去做。」</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="林敬新續指,事主考慮是否留下的因素,包括公司發展潛力、規模及僱主的看法等。「有些僱主會認為加薪少少,便要求僱員要付出多一倍工作量,即使員工答應留下,最後也難長做。」" data-reactid="39" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
林敬新續指,事主考慮是否留下的因素,包括公司發展潛力、規模及僱主的看法等。「有些僱主會認為加薪少少,便要求僱員要付出多一倍工作量,即使員工答應留下,最後也難長做。」</div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="林敬新續指,事主考慮是否留下的因素,包括公司發展潛力、規模及僱主的看法等。「有些僱主會認為加薪少少,便要求僱員要付出多一倍工作量,即使員工答應留下,最後也難長做。」" data-reactid="39" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
<a href="https://hk.news.yahoo.com/%E8%BE%AD%E5%B7%A5%E7%8D%B2%E5%8A%A0%E8%96%AA2%E6%88%90%E6%8C%BD%E7%95%99-%E9%9D%92%E5%B9%B4%E5%91%BB%E5%94%94%E8%B5%B0%E9%83%BD%E5%94%94%E5%8A%A0-224539104.html">https://hk.news.yahoo.com/%E8%BE%AD%E5%B7%A5%E7%8D%B2%E5%8A%A0%E8%96%AA2%E6%88%90%E6%8C%BD%E7%95%99-%E9%9D%92%E5%B9%B4%E5%91%BB%E5%94%94%E8%B5%B0%E9%83%BD%E5%94%94%E5%8A%A0-224539104.html</a></div>
<div class="canvas-atom canvas-text Mb(1.0em) Mb(0)--sm Mt(0.8em)--sm" content="林敬新續指,事主考慮是否留下的因素,包括公司發展潛力、規模及僱主的看法等。「有些僱主會認為加薪少少,便要求僱員要付出多一倍工作量,即使員工答應留下,最後也難長做。」" data-reactid="39" style="background-color: white; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin-bottom: 1em;" type="text">
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財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com2tag:blogger.com,1999:blog-6548369562405494393.post-23779354770547047352017-10-09T20:13:00.001-07:002017-10-09T20:13:10.560-07:00這一代理財悲歌<div class="ArticleContent_Outer" style="background-color: white; color: #333333; font-family: PMingLiu, mingliu, 細明體_HKSCS-ExtB, "Ming(for ISO10646)ExtB", Arial, Helvetica, sans-serif; font-size: 15px; letter-spacing: 1.2px; margin: 0px; padding: 0px;">
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「每天都在用六位數的密碼,保護着兩位數的存款。」</div>
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<br style="margin: 0px; padding: 0px;" />「小時候總騙爸媽自己沒錢,現在總騙爸媽『沒事~我還有錢。』」</div>
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<br style="margin: 0px; padding: 0px;" />「經濟獨立了,才敢做真正的自己,否則只好一直做別人喜歡的自己。」</div>
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<br style="margin: 0px; padding: 0px;" />內地16家基金公司,以「年紀越大,越沒有人原諒你的窮!」為題,一人用一句文案,直接刺痛人們的神經。人到中年,臨近退休,最絕望的一件事,竟然是再做多十年八年,不是怕無所事事,而是擔心坐食山崩,不能夠斷了收入,這種例子根本隨處都係。</div>
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<br style="margin: 0px; padding: 0px;" />上一代的香港人,理財方案很簡單,當然是置業。年輕時識得諗,買多過一層樓,便可以確保安享晚年。可是這一代的香港人此路已不通,先不說樓價是否泡沫,最終會否爆煲。在目前水平,不靠父幹的話,普通一個香港年輕人傾盡全力也只會買到一個小單位,還要隨時供足一世,到將來年老的時候,唯有用逆按揭才會有現金流,可是一旦用了逆按揭,代表下一代就不能靠父幹,依然面對相當苦惱的狀況。</div>
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財經傳媒有責任</h2>
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前景太灰,大部份人的選擇是不聞不問當唔知。香港人的理財智商其實甚低,舉個例子,每次強積金要提高供款上限,打工仔都以為自己被無良基金公司打劫一樣,明明僱主增加的那份供款,等於提供子彈墊住賭,對打工仔長遠必然有利,德政竟然也被看成暴政。香港人之所以討厭儲錢,是因為明知儲得幾快,都唔夠樓價升得快。</div>
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<br style="margin: 0px; padding: 0px;" />於是我們生活很矛盾,一方面很忙在工作,另一方面則很忙在花費。因為工作已經很忙,根本無時間鑽研理財之道。同樣因為工作已經很忙,當然一有機會就要享受一下,才對得住自己。於是集體陷入一個沒有出路的循環,生活看起來很充實,work hard,play hard。實際上只是白忙,過得一日得一日。人最可悲是每日重複做一樣的事情,而天真地期待會有不同的結果。</div>
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<br style="margin: 0px; padding: 0px;" />其實財經傳媒也有責任,老闆只看收視率,理財賭博化娛樂化也在所不惜,永遠只是關心今日炒乜,恒指是升還是跌。放棄灌輸讀者正確的投資理念,最終看着一代香港人年紀越大,越沒有人原諒我們的窮。<br style="margin: 0px; padding: 0px;" /><br style="margin: 0px; padding: 0px;" />阿飛</div>
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<a href="http://hk.apple.nextmedia.com/financeestate/art/20171010/20178173">http://hk.apple.nextmedia.com/financeestate/art/20171010/20178173</a></div>
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財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com2tag:blogger.com,1999:blog-6548369562405494393.post-91403522876511842562017-08-17T19:41:00.003-07:002017-08-20T18:48:13.338-07:00自求簡樸<div class="separator" style="clear: both; text-align: center;">
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減少個人無止境欲望<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>消費<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>在生活方面也自求簡樸<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">.</span></span></span></div>
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<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US"><br /></span></span></span></div>
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通過追求財務自由修行過程當中<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>錢夠用了 <span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,</span></span></span>減少對財富的追求<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>無止境貪婪<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">.</span></span></span><br />
<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US"><br /></span></span></span>
<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US"></span></span></span><br />
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簡化生活<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>包括飲食量也減少<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>降低生活壓力<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>使身體及心理健康<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>不追求個人喜好<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">,
</span></span></span>儉樸生活<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">.</span></span></span><br />
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放棄以往年輕時的奢侈及放縱<span style="font-family: "times new roman" , serif;"><span style="font-size: 12pt;"><span lang="en-US">.</span></span></span><br />
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財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com12tag:blogger.com,1999:blog-6548369562405494393.post-36499618059953066222017-07-14T08:15:00.000-07:002017-07-15T16:18:00.331-07:00是誰偷走我們的薪水?<br />
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最近看了這影片值得思考.<br />
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這現象不僅是台灣, 其實在香港, 東南亞區如馬來西亞吉隆坡, 高房價, 高消費低薪水早不是新聞.<br />
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高消費如經常換手機, StarXXX 喝杯咖啡... 消費本來是正常經濟活動, 但本質而扭曲過度消費, 外間引誘, 負債消費.<br />
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到底是誰偷走我們的薪水? 僱主? 政府? 大企業家? 地產商? 美國開動印鈔機捲走了我們的錢? 通貨膨漲? <br />
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這世界發生了什麼變化? 自己又發生什麼問題?<br />
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有否面對如何理財? 投資? 如何計劃財務自由之路?財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com10tag:blogger.com,1999:blog-6548369562405494393.post-926214663787436202017-06-26T06:32:00.000-07:002017-06-27T01:05:07.788-07:00七分鐘帶你讀完 富爸爸窮爸爸<div class="separator" style="clear: both; text-align: center;">
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<br />財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com4tag:blogger.com,1999:blog-6548369562405494393.post-61573560673918581372017-06-25T18:45:00.002-07:002017-06-25T18:45:19.203-07:00福報盡了,人也就亡了<div style="background-color: white; font-size: 14.6667px;">
<span style="font-size: 18px;">財物,包括金錢與物資,這是世間人所貪求的。這個世間,哪個不貪財?所以佛在布施里面,把它列為第一條。</span></div>
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<span style="font-size: 18px;"> 世間人貪財,卻不知道財從哪里來的?所以佛在經上告訴我們,財布施得財富。財施是因,財富是果報,你這一生財富雖然不多,你生活能夠節儉,你有多余的盡量去布施,愈布施你所得的財富就愈多,就這么個道理。</span></div>
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<span style="font-size: 18px;"> 如果你不肯布施,你命里頭那點財用盡,那人也就亡了,所謂“祿盡人亡”。現在人不知道節儉,古時候人講求節儉。節儉,譬如我們有六十年的壽命,有六十年的祿,你非常勤儉,到六十年了,你祿還沒享盡,還有余的,余的怎么樣?壽命就延長。所以你才曉得,惜福也是長壽之道。</span></div>
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<span style="font-size: 18px;"> 實在講,一個人在一生當中,他有一定的祿命,就是你一生當中,你有多少財富,有多少的收入,都是命中注定的。人最可貴的,就是知道自己的命運,知道自己的命運,他人就老實了,就安分守己了;換句話說,他的心就定了,不會去胡思亂想。</span></div>
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<span style="font-size: 18px;"> 不知道命運要去跟命爭,那是很冤枉的事情!人沒有辦法跟命爭,“一飲一啄,莫非前定”,這是千真萬確的事實。人要是跟命爭,他的災難就來了。諸位如果冷靜地觀察一下,在現前的世間,你就能看到!</span></div>
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<span style="font-size: 18px;"> 許多人想盡方法去賺錢,去搞股票,你仔細去觀察一下,不錯,有些人錢賺到了,但他的命也沒有了;有些人錢賺到了,雖然命還在,但是他的身體已經毀掉,一身都是毛病。這個說明,我們不能跟命爭!</span></div>
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<span style="font-size: 18px;"> 你玩股票所賺來的,說老實話,還是你命里有的;你命里要是沒有,你也賺不來!就算你命里有六十年的財富,你今天一下把它賺來了,就好比上班拿薪水,你把六十年的薪水統統拿來,這發了一筆大財;可是到下個月你就沒收入,錢用光了,用光就完了,還不如月月去拿好。</span></div>
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<span style="font-size: 18px;"> 社會上現在大家都貪財,卻不知道財從哪里來?佛知道世間人都愛財,所以他教給我們生財之道!生財之道就是財布施,你愈施,你所得的就愈多!佛教給我們怎樣去修福、怎樣去培福、怎樣去享福,實在講,這才是真實的教誨。</span></div>
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<a href="http://www.rocidea.com/roc-22131.aspx">http://www.rocidea.com/roc-22131.aspx</a></div>
財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com10tag:blogger.com,1999:blog-6548369562405494393.post-40236141297208545102017-05-25T19:20:00.000-07:002017-05-25T19:20:47.352-07:00瞎忙<div style="background: rgb(255, 255, 255); border: 0px; color: #555555; font-family: 新細明體, Arial, sans-serif; font-size: 15px; outline: 0px; padding: 0px; vertical-align: baseline;">
<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">在一個山谷的禪房裏有一位老禪師,他發現自己有一個徒弟非常勤奮 ,不管是去化緣,還是去廚房洗菜,這個徒弟從早到晚,忙碌不停。 這小徒弟內心很掙扎,他的眼圈越來越黑,終於,他忍不住來找師傅 。<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">他對老禪師說:“師傅,我太累,可也沒見什麼成就,是什麼原因呀 ?”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師沉思了片刻,說:“你把平常化緣的缽拿過來。”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">小徒弟就把那個缽取來了,老禪師說:“好,把它放在這裏吧,你再 去給我拿幾個核桃過來裝滿。”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">小徒弟不知道師傅的用意,捧了一堆核桃進來。這十來個核桃一放到 碗裏,整個碗就都裝滿了。<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師問小徒弟:“你還能拿更多的核桃往碗裏放嗎?” “拿不了了,<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">這碗眼看已經滿了,再放核桃進去就該往下滾了。”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">“哦,碗已經滿了是嗎?你再捧些大米過來。”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">小徒弟又捧來了一些大米,他沿著核桃的縫隙把大米倒進碗裏,竟然 又放了很多大米進去,一直放到都開始往外掉了。<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">小徒弟才停了下來 ,突然間好像有所悟:“哦,原來碗剛才還沒有滿。”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
<div style="background: rgb(255, 255, 255); border: 0px; color: #555555; font-family: 新細明體, Arial, sans-serif; font-size: 15px; outline: 0px; padding: 0px; vertical-align: baseline;">
<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">“那現在滿了嗎?” “現在滿了。” “你再去取些水來。”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">小徒弟又去拿水,他拿了一瓢水往碗裏倒,在少半碗水倒進去之後, 這次連縫隙都被填滿了。<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師問小徒弟:“這次滿了嗎?” 小徒弟看著碗滿了,但卻不敢回答,他不知道師傅是不是還能放進去東西。<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師笑著說:“你再去拿一勺鹽過來。” 老禪師又把鹽化在水裏,水一點兒都沒溢出去。 小徒弟似有所悟。<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師問他:“你說這說明了什麼呢?” 小和尚說:“我知道了,這說明了時間只要擠擠總是會有的。”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師卻笑著搖了搖頭,說:“這並不是我想要告訴你的。” 接著老禪師又把碗裏的那些東西倒回到了盆裏,騰出了一隻空碗。<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師緩緩地操作,邊倒邊說:“剛才我們先放的是核桃, 現在我們倒著來,看看會怎麼樣?”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師先放了一勺鹽,再往裏倒水,倒滿之後,當再往碗裏放大米的時候,水已經開始往外溢了,而當碗裏裝滿了大米的時候,老禪師問 小徒弟:“你看,現在碗裏還能放得下核桃嗎?”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">老禪師說:“如果你的生命是一只碗,當碗中全都是這些大米般細小 的事情時,你的那些大核桃又怎麼放得進去呢?”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">小徒弟這次才徹底明白了。 如果您整日奔波,異常的忙碌,那麼,您很有必要想一想:“我們怎 樣才能先將核桃裝進生命當中呢?如果生命是一只碗,又該怎樣區別 核桃和大米呢?”<span lang="EN-US" style="background: transparent; border: 0px; font-size: 18.6667px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">如果每個人都清楚自己的核桃是什麼,生活就簡單輕鬆了。我們要把核桃先放進生命的碗裏去,否則一輩子就會在大米、芝麻、水這些細小的事情當中,核桃就放不進去了。 </span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">生命是一只空碗,但是應該先放進去什麼呢?什麼才是你的核桃呢?</span></div>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">*****</span></div>
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有一种失败,叫瞎忙</h2>
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<span style="background: transparent; border: 0px; font-family: 標楷體; font-size: 14pt; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong style="background-color: #fef4ea; box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 14px; margin: 0px; max-width: 100%; overflow-wrap: break-word !important; padding: 0px; word-wrap: break-word !important;"><span style="box-sizing: border-box; margin: 0px; max-width: 100%; overflow-wrap: break-word !important; padding: 0px; word-wrap: break-word !important;">导读:</span></strong><span style="background-color: #fef4ea; box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 14px; line-height: 28.4444px; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">努力本应是一个特别正能量的事情,其实不该被偷换成忙碌的概念,这反而让人焦虑和不安。我们推荐这篇文章的目的,并不想教大家讨论谁谁谁每天是不是在瞎忙,或者区分一下概念,而是想让大家想想自己是不是也在“瞎忙”;平时的工作生活是否安排的妥当,思维方式是不是真的要变一下了,不想让瞎忙蒙蔽了一直想努力的你。</span></span></div>
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<section data-role="outer" label="Powered by 135editor.com" style="background-color: white; box-sizing: border-box !important; color: #3e3e3e; font-family: 微软雅黑; font-size: 16px; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><section class="" data-role="paragraph" style="border: 0px none; box-sizing: border-box; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><section class="" data-role="paragraph" style="border: 0px none; box-sizing: border-box; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><div style="box-sizing: border-box !important; clear: both; max-width: 100%; min-height: 1em; padding: 0px; word-wrap: break-word !important;">
<span style="box-sizing: border-box !important; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 20px; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">和</span></strong></span><span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">朋友聚会的时候,总会问起最近在做什么,很多人的回答都是:嗨,瞎忙呗。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><br style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;" /></span></div>
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<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">这时如果追问一句,忙些什么?</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">大概会有两种答案,一种是有条不紊地和你介绍他的生活和工作,安排了哪些会议,参加了什么活动,完成了多少工作。瞎忙只是谦虚的说法。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">而有一些,支支吾吾半天,最后说,没干啥,真的是瞎忙。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">有人曾经和我感叹过,远近,你真的每天好忙啊。我反问道,这个社会,谁不忙?</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">每个人都忙,忙着上课,忙着工作,忙着应付领导,忙着恋爱结婚,<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">好像没有谁会甘愿停在原地,也没有谁愿意被人轻易超过。</strong></span></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">于是,就会有人感叹,你看那个谁谁谁,整天那么忙,真的是好努力哦!</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">忙和努力,不知道什么时候就被划上了等号,只要你表现出一副忙碌的样子,别人就会赞许地点头,你肯定会成功的。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">同样,如果你偶尔偷个懒,或者无所事事的样子,那么也会有人跳出来指责你不思进取。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">曾经有一段时间我请了长假去旅行,朋友就曾不解地说,你这么做了甩手掌柜,就不怕被人超过?现在就这么贪图安逸,将来肯定有吃苦受罪的时候。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">但在我看来,<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">忙或许是一件好事,但忙不到点子上,忙不出效率,那还不如暂时停下来歇歇。</strong></span></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">前两天,我在朋友圈看到一条动态,有人说,现代社会,人们都被逼得开始不敢停下脚步了,好像享受生活是一种罪过。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">好多文章都在说,努力吧,忙起来吧,别让大把的时光浪费在你的懈怠里。那些比你优秀的人都比你努力,你还有什么资格偷懒?</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">但是,让自己忙起来,真的就是努力吗?</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">我看未必。</span></div>
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<div style="box-sizing: border-box !important; clear: both; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; max-width: 100%; min-height: 1em; padding: 0px; word-wrap: break-word !important;">
<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">一个会忙的人,是一个不把忙碌当资本的人。</strong></span></div>
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<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><br /></strong></span></div>
<section data-role="outer" label="Powered by 135editor.com" style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><section class="" data-role="paragraph" style="border: 0px none; box-sizing: border-box; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><div style="box-sizing: border-box !important; clear: both; max-width: 100%; min-height: 1em; padding: 0px; word-wrap: break-word !important;">
<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">我有一个同事,每天看起来很忙,着着急急来上班,时刻都是绷紧了弦的状态,一刻不得闲。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><br style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;" /></span></div>
<div style="box-sizing: border-box !important; clear: both; max-width: 100%; min-height: 1em; padding: 0px; word-wrap: break-word !important;">
<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">开会的时候他会认真准备大量资料,总是第一个积极发言,有任何的活动都参加,几乎每天加班,总是感叹时间不够用。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">但是在项目组里,他的工作完成度却是最低的,但他也不气馁,他总是说,我笨嘛,笨鸟先飞,不懂我就问,不会的就认真学,总有一天会好起来的。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">实际上,他的问题不是先飞先努力,而是根本没有努力到点子上,会议准备的资料大多繁琐无用,不懂归纳和筛选,每次的发言也累赘和重复,不会清晰表达观点。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">每每有人给他指出这些问题的时候,他都唯唯诺诺说下次注意,可总是下次依然再犯,这样的忙,至多只是营造了一种苦哈哈的形象,做的却是无用功。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">有一次公司年会,多喝了几杯的他和我发起了牢骚,说自己已经过了而立之年,可事业和感情都不顺遂,工作心有余力不足,明明已经够努力,怎么总是没有应有的回报呢?</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">我看着他一脸的失意,劝慰了几句,他其实只是还不了解,表面上的盲目只是做了重复性的工作,用一种拼命努力的姿态,来掩盖能力和思维上的缺失。</span></div>
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<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">思维没有调整,能力没有提升,再怎么努力,也都犹如隔靴搔痒,毫无作用。</strong></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">归根结底,这样的忙碌,只是感动了自己,最终也拖累了自己。</span></div>
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<div style="box-sizing: border-box !important; clear: both; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; max-width: 100%; min-height: 1em; padding: 0px; word-wrap: break-word !important;">
<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">一个会忙的人,应该是有的放矢的人,知道在什么时间做什么事情,知道如何合理安排日常的工作和生活,并且在忙碌的基础上,找到自己的短板进行弥补,这才是忙碌的成效。</strong></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">非常著名的木桶理论讲的就是这样的事,光是想着把木桶越砌越高,却不考虑弥补漏洞和短板,最后的结果就是既不稳固,也不会盛更多的水。</span></div>
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<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"></strong></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">一个会忙的人,是一个不断精进自己的人。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="box-sizing: border-box !important; color: #3e3e3e; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><section class="" data-role="paragraph" style="border: 0px none; box-sizing: border-box; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><div style="box-sizing: border-box !important; clear: both; max-width: 100%; min-height: 1em; padding: 0px; word-wrap: break-word !important;">
<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">还有一些人,既忙不到点子上,又忙得特别盲目。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><br style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;" /></span></div>
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<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">明明在年初的时候定下了十几条小目标,信誓旦旦一定要在年内完成,然后或许也真的坚持了一段时间,可到了年尾才发现,一条都没有实现。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">每每想起,都会说,平时实在是太忙了,根本没时间。</span></div>
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<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">其实,很多人的忙,只是不会利用自己碎片化的时间。</strong></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">具体的大数据不用多谈,总之我们一周会有将近70个小时的时间来做除了睡觉、工作、吃饭之外的事情。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">等于,一天你有10个小时,是完全可以自由支配的,这10个小时里,除去路途、交际、突发状况等不可抗拒因素来,每天会剩下将近6个小时。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">而在这6个小时中,很多人都在刷网页、发呆、无所事事中度过了。但一个活得高效的人,会充分利用这6个小时来做许多事情。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">我是广告人,号称是最忙碌的工作之一,几乎每天加班,一年有100多天都在出差中,忙于我而言,早已习以为常。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">但我依然能保证自己每天读书1个小时,写作2个小时,喝茶1个小时,还上过插花课、茶艺课等等。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">有太多人问过我如何做到的,实际很简单,就是充分利用自己的碎片化时间。</span></div>
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<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">见客户的路上,看几篇文章,上厕所的间隙,想想新的选题,吃饭的过程中,听听别人的故事,只要一有时间,就打开手机备忘录开始码字,然后晚上回到家再进行整理。</strong></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">你先要明白自己的目标是什么,然后将目标进行拆分,细化到每一个可利用相对短暂的时间去完成的小目标,然后再一点点去补充和完善,最终达到目的。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">举一个很简单的例子,我想要8个月写出一本10万字的书,那么将目标细化,1个月写将近1万3千字,一周写3250字,如果周末休息,一天写650字。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">怎么样?听起来是不是就没有那么唬人了?</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">碎片化时间的利用没那么多套路的方法,就是将目标细化,然后再将你平时发呆、瞎逛、偷懒的时间,用在兢兢业业完成每天的任务上,就这么简单。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">一个会忙的人,是一个会合理安排利用时间的人。</span></div>
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<section data-role="outer" label="Powered by 135editor.com" style="box-sizing: border-box !important; color: #3e3e3e; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><section class="" data-role="paragraph" style="border: 0px none; box-sizing: border-box; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><div style="box-sizing: border-box !important; clear: both; max-width: 100%; min-height: 1em; padding: 0px; word-wrap: break-word !important;">
<span style="box-sizing: border-box !important; color: #595959; font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">最后,我想谈谈忙的思维。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">我曾经是一个特别喜欢说自己忙的人,每天在朋友圈更新,今天加班到几点,今天见了多少客户,今天完成了多少工作。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">然后看着其他人点赞评论,感叹我的努力,我觉得自己的这种忙很值得。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">直到有一天一位前辈直言不讳地说,你把自己的忙碌当成了什么?炫耀成功的资本?还是证明自己努力的工具?</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">真是当头一棒,打醒了我。</span></div>
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<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">忙碌的过程应该是无声的、寂静的、不用公之于众的,领导不会想知道你有多忙,他只要结果,别人不会想知道你有多忙,只看你有多优秀。</strong></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">羡慕你的人自然会因为你忙觉得你很出色,嫉妒你的人则会因为你忙觉得你惺惺作态。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">而且,总是感叹自己很累很忙,要么是没有忙出自己想要的成效,要么是没有将这种忙当做自己的习惯。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">一个努力的人,不会每天张口闭口说自己多么努力,因为他已经习惯了努力,同样,一个忙碌的人,也已经习惯了忙碌,并不觉得它有多么值得诉说,因为那就是他的生活。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">比起说自己忙,其实更应该让自己忙,踏实做事,一步一个脚印每天都在进步地忙。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">忙碌的思维,来自于自我看待生活的态度,如果你是一个喜欢安逸的人,但不得已做一份工作整天忙碌,那么你就渴望通过别人的肯定来鼓舞自己继续。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">但如果你做着一份喜欢的工作,并且享受这种忙碌的状态,那么它就是你生活的一部分,没有必要拿出来供人瞻仰,反而让人觉得你此地无银三百两。</span></div>
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<span style="box-sizing: border-box !important; color: #0070c0; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><strong style="box-sizing: border-box !important; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">社会里有一种很微妙的价值观,忙就等于努力,努力就会成功。这个等式被人们拿来信奉为正能量,但这恰恰却是毒鸡汤,带着撒狗血的意味。</strong></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">忙是努力的必要但不充分条件,努力更不会一定成功,它充其量只能让你变得更加精进,把本来有概率的成功,归结到努力上,又把努力的多样性,放在一个忙字上,明显是浓浓的套路。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">总是感叹自己忙,潜台词无非是想表达自己很努力,我都这么努力了,最后不成功,不是自己的错了吧?那是老天不公。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">但实际上,一个会忙的人,从不多谈努力和成功,他们只在意在这种忙碌里能够获得怎样的体验。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">而这种体验,与成功无关,忙的归属也好,忙的方式也好,忙的思维也好,归根结底,都是你的选择。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">而既然你做了这种选择,那么就要为它付出代价,而无论怎样的努力,都应该是高效的,有用的,利己的。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">一个会忙的人,是不说自己忙但踏实做事的人。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;">别再说自己努力,你那只是瞎忙。</span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><br /></span></div>
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<span style="box-sizing: border-box !important; color: #595959; margin: 0px; max-width: 100%; padding: 0px; word-wrap: break-word !important;"><a href="https://mp.weixin.qq.com/s/gowPViq7kaMgZBRpNH4GxA">https://mp.weixin.qq.com/s/gowPViq7kaMgZBRpNH4GxA</a></span></div>
</span></div>
</section></section>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com5tag:blogger.com,1999:blog-6548369562405494393.post-41149786248606026072017-05-21T06:32:00.001-07:002017-05-21T06:32:20.485-07:00Life is EasyJon Jandai:<br />
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There is one word that I have always wanted to say to everybody in my life now. That word is: Life is easy. It’s so easy and fun. Before that, I never think like that.</div>
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When I was in Bangkok, I feel like life is very hard, very complicated.</div>
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I was born in a poor village on the Northeastern of Thailand. And when I was a kid, everything was fun and easy, but when the TV came, many people came to the village, they said, “You are poor, you need to follow success for your life. You need to go to Bangkok to pursue succee [correction] success in your life.</div>
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So I feel bad, I feel poor. So I need to go to Bangkok.</div>
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When I went to Bangkok, it’s not very fun. They said: you need to learn, study a lot and work very hard, and then you can get succee [correction] success.</div>
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I work very hard, eight hours per day at least, but what I can eat is just a bowl of noodle per meal, or some Tama dish of fried rice or something like that.</div>
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And where I stay is very bad, a small room with a lot of people sleep. It’s very hot.</div>
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I start to question a lot. When I work hard, why is my life so hard? It must be something wrong, because I produce a lot of thing, but I cannot get enough. And I tried to learn, I tried to study. I tried to study in the university.</div>
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It’s very hard to learn in university, because it’s very boring.</div>
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And I start to look at subjects in the university, every faculty, most of them is destructive knowledge. There’s no productive knowledge in university for me. When I look at something like if you learn to be an architect or engineer, that means you ruin more. The more these people work, the mountain will be destroyed more. And a good land in Chao Praya Basin will be covered with concrete more and more. We destroy more.</div>
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If we learn agriculture faculty or something like that, that mean you learn how to poison, to toxicate the land, the water, and learn to destroy everything. I feel like everything we do is so complicated, so hard. And everything we just make it hard.</div>
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Life is so hard and I feel disappointed.</div>
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I start to think about, why I have to be here in Bangkok? I think – I thought about when I was a kid, nobody worked eight hours per day, everybody worked two hours, two months a year, planting rice one month and harvesting the rice another month. The rest is free time, ten months of free time. That’s why people have so many festivals in Thailand, every month they have festival. Because they have so much free time. Uh…</div>
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And then in the daytime, everybody even take a nap. Even now in Laos, if anybody go to Laos if you can, people take a nap after lunch. And after they wake up, they just gossiping, how’s your son-in-law, how’s your wife, daughter-in-law. That’s – people have a lot of time, but because they have a lot of time, they have time to be with themselves.</div>
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And when they have time to be with themselves, they have time to understand themselves. When they understand themselves, they can see what they want in their life. So people – many people see that they want happiness, they want love, they want to enjoy their life.</div>
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So, people see a lot of beauty in their life, so they express their beauty in many ways. Some people by carving the handle of their knife, very beautiful, the basket they weaving very nicely. But, now, nobody does that. Nobody can do something like that. People use plastic everywhere.</div>
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So, I feel like it’s something wrong in there, I cannot live in this way of living. So, I decided to quit University, and went back home.</div>
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When I went back home, I started to live like when I remember, like when I was a kid. I started to work two months a year. I got four tons of rice. And then the whole family, six people, we eat less than half a ton per year. So we can sell some rice.</div>
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And then I dig – dug two ponds, two fish ponds. We have fish to eat all year round. And we – I start a small garden. [Led] – less than half an acre. And I spend 15 minute per day to take care of the garden. I have more than 30 varieties of vegetable in the garden. So, six people cannot eat all of it. We have surplus to sell in the market. We can make some income in there, too.</div>
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So, I feel like, it’s easy, why I have to be in Bangkok for seven years, working hard and then not have enough to eat, but here, only two months a year and 15 minutes per day I can feed six people. That’s easy.</div>
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And after that – before I think that stupid people like me who never get a good grade in the school, cannot have a house. Because people who cleverer than me, who get number one in the class every year, they spend – even if they get a good job, but they need to work more than 30 years to have a house. But for me who cannot finish university, how can I have a house? Hopeless for people who have low education, like me.</div>
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But, then I started to do earthly building, it’s so easy. I spend two hours per day, from 5 o’clock in the morning, to 7 o’clock in the morning, two days [correction] two hours per day. And in three months, I got a house.</div>
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And another friend who’s – who’s the most clever in the class, he spent three months to build his house, too. But, he had to be in debt. He had to pay for his debt 30 years. So, compared to him, I have 29 years and 10 months of free time. Yeah. So, I feel that life is so easy.</div>
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I never think I can build a house easy like that. And after I keep building a house every year, at least one house a very year. Now, I have no money, but I have many houses.</div>
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My problem is tonight which house I will go to sleep tonight.</div>
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So, house is not a problem, anybody can build a house. The kids, 13 years old, at the school, they make bricks together, they make a house. After one month, they have a library. The kids can make a house, a very old nun can build a hut for herself. Many people can build a house. So, it’s easy.</div>
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If you don’t believe me, try it. If somebody want to have a house.</div>
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And then, the next thing is clothing.</div>
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I feel like I’m poor, I feel like I’m not handsome. I tried to dress like a somebody else, like a movie star. To make myself look good, look better.</div>
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I spent one month to save money to buy a pair of jeans. When I wear it, I turn left, and turn right, look at the mirror. Every time I look, I am the same person. The most expensive pant cannot change my life. I feel like I’m so crazy, why I have to buy it? Spend one month to have a pair of pants. It doesn’t change me.</div>
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I start to think more about that. Why we need to follow fashion? Because, when we follow fashion, we never catch up with it, because we follow it. So, don’t follow it, just stay here. Do what we – use what you have.</div>
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So, after that, until now, 20 years, I never buy any clothes. All the clothes I have is leftover from people. When people come to visit me, and when they leave [correction] left, they left a lot of clothes there. So, I have tons of clothes now.</div>
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And when people see me wear very old clothes, they give me more clothes. So, my problem is, I need to give clothes to people very often now.</div>
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So, it’s so easy.</div>
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And when I stopped buying clothes, I feel like, it’s not only clothes, it’s about something else in my life, I need to – what I learned is that when I buy something, and I think about, I buy it because I like it, or I buy it because I need it.</div>
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So, if I buy it because I like it, that mean I’m wrong. So, I feel more free when I think like this.</div>
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And the last thing is, when I get sick, what will I do?</div>
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I really worry in the beginning, because when I have no money, what I will do. But, I started to contemplate more. Normally, sickness is normal thing, it’s not a bad thing. Sickness is something to remind us that we did something wrong in my life, that’s why we get sick.</div>
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So, when I get sick, I need to stop and come back to myself. And think about it, what I did wrong.</div>
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So, I learn how to use water to heal myself, how to use earth to heal myself, I learn how to use basic knowledge to heal myself.</div>
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So, after I rely on myself in these four things, I feel like life is very easy, I feel something like a freedom, like uh… I feel free. I feel like I don’t worry about anything much, I have less fear, I can do whatever I want in my life.</div>
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Before, I have a lot of fear, I cannot do anything. But, now I feel very free, I feel like I’m a unique person on this Earth, nobody like me, I don’t need to make myself like anybody else. I’m the number one.</div>
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So, [think] like this make it easy, very light. And, after that, I start to uh…to think about that when I was in Bangkok, I felt very dark in my life. I start to think that many peoples maybe think like me at the time.</div>
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So, I – we start a place called “Pun Pun” in Chiang Mai. The main aim is just to saving seed. To collect seed, because seed is food, food is life. If there is no seed, no life. No seed, no freedom. No seed, no happiness. Because your life depends on somebody else. Because you have no food.</div>
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So, it’s very important to save seed. That’s why we focus on saving seed. That’s the main thing in Pun Pun.</div>
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And the second thing is – is the learning center.</div>
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We want to have a center for ourselves to learn, learn how to make life easy. Because we were taught to make life complicated and hard all the time. How can we make it easy? It’s easy, but we don’t know how to make it easy anymore. Because – because we always make it complicated and now, we start to learn, and learn to be together.</div>
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Because, every – we were taught to disconnect ourselves from everything else, to be independent, so we can rely on the money only. We don’t need to rely on each other. But now, to be happy, we need to come back, to connect to ourselves again, to connect to other people, to connect our mind and body together again.</div>
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So, we can be happy. Life is easy. And from beginning until now, what I learn is the four basic needs: food, house, clothes and medicine must be cheap and easy for everybody, that’s the civilization.</div>
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But, if you make these four thing hard and very hard for many people to get, that’s uncivilized.</div>
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So, now when we look at everywhere around us, everything is so hard to get. So I feel like now is the most uncivilized era of human on this Earth.</div>
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We have so many people whose finish from university, have so many universities on the Earth, have so many clever people on this Earth. But, our life is harder and harder. We make it hard for who? We work hard for who right now?</div>
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I feel like uh…it’s wrong, it’s not normal. So, I just want to come back to normal. To be a normal person, to be equal to animals. The birds make a nest in one or two days. The rat dig a hole in one night. But, the clever human like us spend 30 years to have a house, and many people can’t believe that they can have a house in this life. So, that’s wrong.</div>
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Why we destroy our spirit, why – why do we destroy our ability that much? So, I feel like it’s enough for me, to live in the normal way, in the abnormal way. So, become – now I try to be normal. But, people look at me as the abnormal people. Crazy person. But, I don’t care, because it’s not my fault. It’s their fault, because they think like that.</div>
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So, my life is easy and light now. That’s enough for me.</div>
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People can think whatever they want. I cannot manage anything outside myself. What I can do is change my mind, manage my mind. Now, my mind is light and easy, that’s enough.</div>
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If anybody want to have a choice, you can have a choice. The choice to be easy or choice to be hard, it depend on you.</div>
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Thank you.</div>
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<a href="http://lybio.net/jon-jandai-life-is-easy/people/">http://lybio.net/jon-jandai-life-is-easy/people/</a></div>
財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com7tag:blogger.com,1999:blog-6548369562405494393.post-38054253307395795552017-03-03T16:37:00.001-08:002017-03-03T16:37:06.598-08:00買入匯賢去年收到的匯賢中期息人民幣股息全數投入,<br />
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除了複息效應, 繼續增加現金流達至財務自由.<br />
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買入3000 股 @3.08財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com20tag:blogger.com,1999:blog-6548369562405494393.post-38815067856444611982017-02-02T03:53:00.001-08:002017-02-02T04:12:56.243-08:00穩定收息股不同高息股<span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;"><span style="font-size: large;">我多次鼓勵購買穩定收息股,不過不少人分不清楚穩定收息股與高息股的分別,把我所指的穩定收息股全列為高息股,這是錯誤的。</span></span><br />
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<span style="font-size: large;"><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">實際上市場有許多高息股,但是我並不建議投資者隨意買下高息股,理由是市場上許多高息股之所以高息,主要原因是股價在過去半年跌了下來,因此,相對於去年的派息金額,就變成了高息股,這一類的高息股一旦今年的業績差了,分派的股息少了,就不再是高息股</span><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">。</span></span><br />
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<span style="font-size: large;"><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">回來談我所說的穩定派息股,這些股以公用股、房託(REIT)、港鐵</span><a class="color_mpf" href="http://www.mpfinance.com/fin/stock1.php?code=0066" style="background-color: white; box-sizing: border-box; color: #81508b; font-family: Arial, "Microsoft JhengHei"; letter-spacing: 1.5px; text-decoration: none;"><strong style="box-sizing: border-box;">(0066)</strong></a><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">為主,這些股的股息率實際上不高,中電</span><a class="color_mpf" href="http://www.mpfinance.com/fin/stock1.php?code=0002" style="background-color: white; box-sizing: border-box; color: #81508b; font-family: Arial, "Microsoft JhengHei"; letter-spacing: 1.5px; text-decoration: none;"><strong style="box-sizing: border-box;">(0002)</strong></a><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">與電能</span><a class="color_mpf" href="http://www.mpfinance.com/fin/stock1.php?code=0006" style="background-color: white; box-sizing: border-box; color: #81508b; font-family: Arial, "Microsoft JhengHei"; letter-spacing: 1.5px; text-decoration: none;"><strong style="box-sizing: border-box;">(0006)</strong></a><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">都是3厘息,煤氣</span><a class="color_mpf" href="http://www.mpfinance.com/fin/stock1.php?code=0003" style="background-color: white; box-sizing: border-box; color: #81508b; font-family: Arial, "Microsoft JhengHei"; letter-spacing: 1.5px; text-decoration: none;"><strong style="box-sizing: border-box;">(0003)</strong></a><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">更只有2厘息,港鐵不計特別股息也只有2厘息,領展</span><a class="color_mpf" href="http://www.mpfinance.com/fin/stock1.php?code=0823" style="background-color: white; box-sizing: border-box; color: #81508b; font-family: Arial, "Microsoft JhengHei"; letter-spacing: 1.5px; text-decoration: none;"><strong style="box-sizing: border-box;">(0823)</strong></a><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">也是3厘息,2厘息至3厘息與匯控、中資銀行股比較相當低,但是公用股、房託及港鐵這三類股的收息非常穩定</span><span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;">。</span></span><br />
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<span style="background-color: white; color: #333333; font-family: "arial" , "microsoft jhenghei"; letter-spacing: 1.5px;"><span style="font-size: large;">曾淵滄</span></span><br />
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<span style="font-size: large;">甚麼是股息率?</span></h4>
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<span style="font-size: large;">股息率是股息相對於股價的百分比。</span></div>
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<span style="font-size: large;">計算方法:</span></div>
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<span style="font-size: large;">股息率 =(每股股息 ÷ 每股股價)X 100%</span></div>
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<span style="font-size: large;">例如一隻股票一年派 $0.1股息,最新的股價是2元,股息便是5%。</span></div>
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<span style="font-size: large;">要注意地方</span></h4>
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<span style="font-size: large;">1. 由於股息率是一個比較數字,所以股價升的話,計出來的息率便會小一些。相反,股價連日下跌,股息率便會一天高於一天,這也可以解釋到為何有些股票的息率看似特別高,但實情是因為股價跌,而不是派息特別多。</span></div>
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<span style="font-size: large;">2. 網上看到的股息是過去的數字(即歷史數據),當公司未來一年賺少了錢,派息可能減低,息率因而下降。</span><br />
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<span style="font-size: large;">3.</span><span style="font-size: large;"><span style="font-size: medium;"> </span><span style="color: #333333; font-family: 微軟正黑體, Arial, Helvetica, sans-serif; letter-spacing: 5px;">其實如果想準確啲嘅話,可以睇埋預期股息率,呢項數據係反映市場估計公司未來股息率嘅共識,更值得留意</span></span><span style="font-size: large;">。</span></div>
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<span style="font-size: large;">結語</span></h5>
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<span style="font-size: large;">當我們積極尋找高息股的同時,留意一下派息水平未來可否維持,例如公司的業務會否越做越差,影響派息,或公司有否承諾過派息的水平等等。</span></div>
財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com12tag:blogger.com,1999:blog-6548369562405494393.post-22824462818254508622017-01-22T03:19:00.000-08:002017-01-22T03:47:34.245-08:002017年財務自由的展望<span style="font-size: large;">繼續等待機會, 而機會只留給有準備的人;</span><br />
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<span style="font-size: large;">回顧當年只有堅持信念並持續執行,</span><br />
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<span style="font-size: large;">每月7000為目標, 繼續前往財務自由之路.</span><br />
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<span style="font-size: large;">後記:</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">分享一下過去一年收到的股息</span><span style="font-size: large;">總計是68,019.14</span><br />
<br /><br />
<br />
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 204px;">
<colgroup><col style="width: 65pt;" width="87"></col>
<col style="width: 88pt;" width="117"></col>
</colgroup><tbody>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt; width: 65pt;" width="87">178</td>
<td align="right" style="width: 88pt;" width="117">160</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">298</td>
<td align="right">270</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">737</td>
<td align="right">718</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">536</td>
<td align="right">4600</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1270</td>
<td align="right">846</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">87001</td>
<td align="right">10056.7592</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1881</td>
<td align="right">530</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1098</td>
<td align="right">670</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1098</td>
<td align="right">2080</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">5</td>
<td align="right">1850</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td height="19" style="height: 14.25pt;"></td>
<td align="right">675</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">900</td>
<td align="right">690</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">3988</td>
<td align="right">911</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">939</td>
<td align="right">10858</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">939</td>
<td align="right">1957</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1288</td>
<td align="right">675</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1398</td>
<td align="right">892</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1398</td>
<td align="right">2681</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">255</td>
<td align="right">690</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1098</td>
<td align="right">760</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1098</td>
<td align="right">230</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">533</td>
<td align="right">150</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">5</td>
<td align="right">1852.68</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">5</td>
<td align="right">674.91</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">87001</td>
<td align="right">10822.79632</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1881</td>
<td align="right">488</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1270</td>
<td align="right">448</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">1270</td>
<td align="right">321</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">298</td>
<td align="right">870</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">178</td>
<td align="right">270</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">900</td>
<td align="right">690</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">737</td>
<td align="right">5301</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">5</td>
<td align="right">1852</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">5</td>
<td align="right">674</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">298</td>
<td align="right">645</td>
</tr>
<tr height="19" style="height: 14.25pt;">
<td align="right" height="19" style="height: 14.25pt;">178</td>
<td align="right">160</td>
</tr>
</tbody></table>
財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com13tag:blogger.com,1999:blog-6548369562405494393.post-20368286164860630802016-12-22T22:34:00.000-08:002016-12-22T23:04:44.424-08:00買入合和公路 737<span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; font-size: medium;">買入合和公路 (737) 5000股 @4.04 </span><br />
<span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; font-size: medium;"><br /></span><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; font-size: medium;">今年最後累積被動收入 69,667 即每月 5,805</span><br />
<span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; font-size: medium;"><br /></span>
<span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; font-size: medium;"><br /></span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com12tag:blogger.com,1999:blog-6548369562405494393.post-52846633712499447372016-10-09T17:25:00.000-07:002016-10-09T17:31:52.406-07:00實迷途其末遠 覺今是而昨非有前輩說人的思想必須隨著認識的增長而改變,<br />
<br />
可能是自己在工作依舊用過往的思考模式,因此工作績效末如理。<br />
<br />
除了工作,過往投資方法也有做得不好,但迷途也不是很遠,<br />
<br />
明白以往的錯誤己無法改正,末來的事情郤可以補救;<br />
<br />
繼而通往財務自由之路。財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com9tag:blogger.com,1999:blog-6548369562405494393.post-48121844771700541862016-06-27T20:30:00.002-07:002016-06-27T20:30:59.635-07:00買入合和及龍記<span style="font-size: large;">買入合和公路 (737) 2000股 @3.80 </span><span style="font-size: large;">(約11厘股息)</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">買入龍記集圑 (255) 6000 股 @2.03 (約9厘</span><span style="font-size: large;">股息</span><span style="font-size: large;">)</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">累積全年被動收入 67,151, 即每月 5,595</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com23tag:blogger.com,1999:blog-6548369562405494393.post-84880541005316074562016-06-26T00:31:00.003-07:002016-06-26T00:36:12.955-07:00捨得<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiPOh2C711pzhPoUHFRk1rLtInSZDKTOWbLgulCtyNuxK6boqzJPaI6XKRQLdzCb3H5hkhIBmrmpwVohsJ_v6QayoGk9U4NM_xX0VKhyphenhyphenHUTI21DrBwR5uPqISq2MPekH9vmoh_8W-_iKM/s1600/14468480422517.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="177" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiPOh2C711pzhPoUHFRk1rLtInSZDKTOWbLgulCtyNuxK6boqzJPaI6XKRQLdzCb3H5hkhIBmrmpwVohsJ_v6QayoGk9U4NM_xX0VKhyphenhyphenHUTI21DrBwR5uPqISq2MPekH9vmoh_8W-_iKM/s400/14468480422517.jpg" width="400" /></a></div>
<span style="font-size: x-small;"><br /></span>
<span style="font-size: x-small;">(中文是由右至左看的)</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">為什麼叫「捨得」而不叫「得捨」?</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">佛學說財富的來源是布施, </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">先捨後得, 而並非先得後捨.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">這是因果關係.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">人生有得有失, 患得患失.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">得到了又失去了一些, 失去了卻又得到了一些.</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com10tag:blogger.com,1999:blog-6548369562405494393.post-67258156708469193692016-04-12T18:54:00.003-07:002016-06-19T20:03:56.587-07:00(轉載) 股息現金流的好處<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;"><a href="http://hk.apple.nextmedia.com/financeestate/art/20160413/19568480">http://hk.apple.nextmedia.com/financeestate/art/20160413/19568480</a></span><br />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">筆者相信全球低息環境會繼續維持一段長時間,美國加息步伐將會緩慢進行。</span><br />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">但無論利率是高或低,筆者認為除了工作收入外,投資者應盡早為自己建立被動的股息現金流收入。</span><br />
<br style="background-color: white; color: #333333; font-family: PMingLiu, mingliu, 細明體_HKSCS-ExtB, 'Ming(for ISO10646)ExtB', Arial, Helvetica, sans-serif; letter-spacing: 1.2px; line-height: 22.5px; margin: 0px; padding: 0px;" />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">為甚麼選擇股票作為工具來創造現金流?</span><br />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">香港地少人多,多年來香港人利用買樓收租創造工作以外的租金收入。</span><br />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">很多人不相信股票,他們認為股票不可靠,買「磚頭」收租才是王道。</span><br />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">事實上,這種傳統智慧令香港人失去更多創造現金流的好選擇,近年香港樓價急升,扣除管理費,差餉地租及一些雜費,香港平均租金實際回報率只有2%至3%,回報率實在不吸引;</span><br />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">事實上港股有很多擁有長期派息紀錄的公司,股息回報率已達4%至6%,以盈富基金(2800)為例,每股派息為0.81元,以股價20.65元計算,股息率約4%,股息回報率確實較租金收入回報率高。</span><br />
<br style="background-color: white; color: #333333; font-family: PMingLiu, mingliu, 細明體_HKSCS-ExtB, 'Ming(for ISO10646)ExtB', Arial, Helvetica, sans-serif; letter-spacing: 1.2px; line-height: 22.5px; margin: 0px; padding: 0px;" />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">以盈富基金為例,盈富基金自2003年開始一直維持派息至今,擁有13年的穩定派息紀錄,13年來每股平均派息約0.6元,於金融海嘯時每股派息雖有減少但仍能維持每股派0.44元。</span><br />
<br style="background-color: white; color: #333333; font-family: PMingLiu, mingliu, 細明體_HKSCS-ExtB, 'Ming(for ISO10646)ExtB', Arial, Helvetica, sans-serif; letter-spacing: 1.2px; line-height: 22.5px; margin: 0px; padding: 0px;" />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">從回報率及現金流穩定性來說,以股票創造股息現金流回報較為可觀及穩定,配合複式增長及股息增長的威力,筆者相信一般投資者用10至15年時間,可建立一個每月股息現金流大於每月支出的長線「食息」投資組合。</span><br />
<br style="background-color: white; color: #333333; font-family: PMingLiu, mingliu, 細明體_HKSCS-ExtB, 'Ming(for ISO10646)ExtB', Arial, Helvetica, sans-serif; letter-spacing: 1.2px; line-height: 22.5px; margin: 0px; padding: 0px;" />
<span style="background-color: white; color: #333333; font-family: "pmingliu" , "mingliu" , , "ming(for iso10646)extb" , "arial" , "helvetica" , sans-serif; letter-spacing: 1.2px; line-height: 22.5px;">窮小子</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com7tag:blogger.com,1999:blog-6548369562405494393.post-36495940383891941232016-04-11T23:02:00.002-07:002016-04-11T23:02:22.177-07:00(轉載) 可持續現金流的重要部份節錄: <a href="http://starnman84.blogspot.com/" style="background-color: #fdfefa; color: #d57629; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14px; font-weight: bold; line-height: 16px;" target="_blank">Starman 投資世界</a><br />
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"><br /></span>
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;">讀者信箱: 可持續現金流的重要 (典型中產案例) </span><br />
<br />
<a href="http://starnman84.blogspot.hk/2016/04/blog-post.html">http://starnman84.blogspot.hk/2016/04/blog-post.html</a><br />
<br />
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">無論你職位多高,用勞力獲取的收入(主動收入)是需要用時間換取,但總有一天你會停下來(假如你有退休的計劃),打工就是手停口停。要改變上述情況,讀者應及早計劃,開始重組自己的收入來源,增加並分散個人被動收入,應將集中力放於提升收入的可持續性,而非單純依靠每月工資支持生活,或單單集中於資本增值的投資。</span><br />
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">要強調,筆者並非反對資本增值的投資,而是希望讀者明白持續現金流的重要。賺價每個人都想,但風險、不確定性、流動性需要同時考慮。</span><br />
<br style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;" /><span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">債券、REITs不一定是王道,只是在眾多投資之中,其中較為簡單直接而又能夠「計到數」的投資。</span><br />
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">有人說,加息周期為何還持有債券和REITs。首先,加息周期何時到來筆者不知道,但筆者知道現在各國都開始實行負利率,美息何時加至「正常」水平是很大的問號,在新常態經濟中何謂「正常」水平的利率是更大的問號,可能過一兩年美聯儲會告訴你,正利率就是「正常」利率水平,大家正努力將負利率推上正利率。</span><br />
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<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">投資REITs,關注的是其資產質素(underlying assets),因REITs的90%盈利派息,基金旗下的資產營運、租金收入直接影響派息的可持續增長,相對於持有低回報的本地住宅物業,無論是回報率、經濟規模效益、資產流動性,REITs都更勝一籌。</span><br />
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<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">至於債券,選擇短年期的債券,只要投資者能夠持有至到期,而發行人又沒有違約,即使做了槓桿,只要控制好倉值比例,是進可攻退可守的投資。</span><br style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;" /><br style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;" /><span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">組合中配置「計到數」的投資有助你去計劃 ; 至於在短線賺價的投資,除非是套利(Arbitrage),否則在筆者看來不是計劃,只是增加組合的不確定性。</span><br />
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<span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">中產家庭,宜及早及分散收入來源,建立多種被動收入,將過度集中的固定資產減磅或利用借貸增加資產流動性,慢</span><span style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20.79px;">慢提升每月現金流水平。狀務狀況是否健康,長遠來說應看「結構」是否健康。</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com4tag:blogger.com,1999:blog-6548369562405494393.post-91968900962547095142016-03-29T00:51:00.002-07:002016-03-29T02:31:36.768-07:00 財務自由的一天終會到來<span style="font-size: large;">CKM001 的舊有 Blog (2011年 2月 26日) 值得一看: </span><br />
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<span style="font-size: large;">股息再投資</span><br />
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<span style="font-size: x-small;">年期</span></div>
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<span style="font-size: x-small;">本金</span></div>
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<span style="font-size: x-small;">股息</span></div>
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<span style="font-size: x-small;">再投資股息</span></div>
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<span style="font-size: x-small;">回報</span></div>
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<span style="font-size: x-small;">1</span></div>
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<span style="font-size: x-small;">100,000.00</span></div>
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<span style="font-size: x-small;">7,000.00</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">7,000.00</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">107,000.00</span></div>
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<tr><td style="border-color: rgb(212, 208, 200) windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">2</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">107,000.00</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">7,490.00</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">7,490.00</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">114,490.00</span></div>
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<tr><td style="border-color: rgb(212, 208, 200) windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">3</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">114,490.00</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">8,014.30</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">8,014.30</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">122,504.30</span></div>
</td></tr>
<tr><td style="border-color: rgb(212, 208, 200) windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">4</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">122,504.30</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">8,575.30</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">8,575.30</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">131,079.60</span></div>
</td></tr>
<tr><td style="border-color: rgb(212, 208, 200) windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">5</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">131,079.60</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.6pt;"><div align="center">
<span style="font-size: x-small;">9,175.57</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">9,175.57</span></div>
</td><td style="border-color: rgb(212, 208, 200) windowtext windowtext rgb(212, 208, 200); border-style: none solid solid none; border-width: medium 1pt 1pt medium; width: 83.65pt;"><div align="center">
<span style="font-size: x-small;">140,255.17</span></div>
</td></tr>
</tbody></table>
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<span style="font-size: large;">在長線投資策略上,本人經常建議大家以增長股與收息股作50/50的配置,今天又再講收息股的投資策略。</span></div>
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<span style="font-size: large;">昨日Stockresearcher.net 問我有關收租股的問題,REITS是其中一種,這類公司會把大部份盈利以股息派發,例子如領匯(0823)、冠君(2778)、越秀(0405)等等.</span></div>
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<span style="font-size: large;">其餘一類是地產發展公司,除了出售物業外,會保留大量優質物業作收租用途,例子有瑞房(0272)與恆隆(0101)。</span></div>
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<span style="font-size: large;">除了收租股外,有許多企業都有能力長期派發高息,我最近買入的中國動向(3818)就是一例,以昨日收市價$2.91計,往績股息率達7厘,有人會認為國內體育用品公司正面對成本上漲與銷售減速之影響,未來盈利會繼續走低,但財務報表顯示,動向手上淨現金60億,市值160億,派7厘股息實在卓卓有餘。</span></div>
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<span style="font-size: large;">假設你用$2.91買入本金10萬的動向股票,並持有5年,其間動向每年派7厘息,股價就算5年內沒增長,只要把股息再投入加碼動向股票,5年後本金+回報已經超過14萬(上表),這就是股息再投入的策略.</span></div>
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<span style="font-size: large;">長線股票投資,除了股價上升外,股息收入也非常重要,股息再投資就是加強複利增長的一種方法。</span></div>
財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com15tag:blogger.com,1999:blog-6548369562405494393.post-6650068255102243152016-03-06T17:25:00.002-08:002016-03-06T17:25:51.890-08:0003/2016 月供股票<span style="font-size: large;">匯控 6,500</span><br />
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<span style="font-size: large;">建行 6,500</span><br />
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<span style="font-size: large;">繼續累積資產往財務自由之路.</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com9tag:blogger.com,1999:blog-6548369562405494393.post-7177282333663944182016-03-05T00:04:00.002-08:002016-03-06T18:36:08.153-08:00寧願買六合彩都唔願消費<h1 class="headline" id="yui_3_9_1_1_1457164813337_588">
<span style="font-size: large; font-weight: normal;">六合彩四十周年金多寶預計派出一億元的頭獎彩金,使全城也瘋狂!昨日大批懷着中頭獎夢的市民逼爆港九新界各大投注站,將投注總額推至歷來最高的四億四千六百萬元,拋離二○一四年的舊紀錄近一億元;總派彩獎金亦創下二億四千多萬元的新高,但頭獎無法獨享獎金,五注一起「分豬肉」,每注派二千七百多萬元。</span></h1>
<div class="first" id="yui_3_9_1_1_1457164813337_582">
<span style="font-size: large;">歷年來最高的一億元預計六合彩頭獎彩金,昨日將投注總額推至歷來最高峰,達四億四千六百萬,打破了二○一四年九月近三億五千萬和二○一一年五月三億四千萬元的投注總額舊紀錄。投注額拉高了獎金基金,在扣除博彩稅、</span><span style="color: red; font-size: large;">馬會佣金等四成六投注數額後,總派彩額高達二億四千多萬元</span><span style="font-size: large;">,創下六合彩史上最高紀錄!</span></div>
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<span style="font-size: large;"> 昨晚攪珠開彩,攪出的得獎號碼為十一、十六、十九、二十一、三十、三十三,特別號碼為三十一,頭獎五注中,每注派二千七百多萬元,沒有人贏得「億元夢」。頭獎共派一億三千六百萬元,較馬會早前一億元的估計「高出」近四成;二獎二十四注中,每注僅派八十四萬元。</span><br />
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<span style="font-size: large;"> 億元獎金夢使全城逼爆各區投注站,被認為最容易出頭獎得主的中環士丹利街投注站最誇張,<span style="color: red;">全日逼爆排隊投注的市民,「龍尾」一直伸延至德己立街和威靈頓街,下午最高峰時段有五百人輪候「博贏馬會」。</span>一名約三十歲做貿易行業的梁小姐,落注八十元買橫財夢,她表示,「香港唔係人住的」,說如果中了頭獎定會移民至加拿大或澳州等地。另一名陳姓五十六歲保安投注了五十元,稱若中了頭獎就計畫退休,多出來的獎金會捐給東華三院做善事。</span><br />
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<span style="font-size: large;"> 獎金創新高,或令馬會職員也瘋狂!昨日上環一個投注站的告示板的英文告示,錯寫估計頭獎基金數目為「1 Billion」,即十億元。賽馬會發言人承認是一名職員犯了文書錯誤,為此致歉,並容許認為曾閱讀有關告示希望取消六合彩彩票的市民,可於昨晚八時四十五分前聯絡馬會,屬歷年來首次出現六合彩退款措施!賽馬會發言人昨晚回覆指,截止前沒有收到任何退款查詢。</span></div>
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<span style="font-size: large;"> 除了頭獎至七獎的眾多大贏家,<span style="color: red;">政府庫房亦得利!根據博彩稅條例,總投注額的百分之二十五需繳稅,以今期數額計算,庫房就穩袋一億一千萬元。</span></span><br />
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*****</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">澳門有很多賭場, 香港有兩個: 港交所及馬會</span><br />
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<span style="font-size: large;">人人寧願排隊買六合彩都唔願消費, 零售市道疲弱.</span><br />
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<span style="font-size: large;">馬會只要做下宣傳, <span style="color: red;">收</span><span style="color: red;">佣金等四成六,</span></span><br />
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<span style="font-size: large;">政府又唔駛派六千, <span style="color: red;">庫房就穩袋一億一千萬元。</span></span><br />
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<span style="font-size: large;">有個瘋子用 123,760 買17個字複式中1個半字.</span><br />
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<span style="font-size: large;">瘋子我會用黎買公路股有8厘息, 每年收 9,900 股息.</span><br />
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<span style="font-size: large;">仲未計股息再投資複息效應.</span><br />
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<span style="font-size: large;">建議下次馬會再搞個 ~ 錯寫估計頭獎基金數目 1 Billion !!!</span></div>
財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com0tag:blogger.com,1999:blog-6548369562405494393.post-68358807876831138072016-02-16T07:30:00.002-08:002016-02-16T17:20:30.245-08:00股息投資<span style="font-size: large;">瘋子長線投資股票目的是收息作為現金流.</span><br />
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<span style="font-size: large;">當然高手們不認同這是被動收入, 因此以下也不需看下去.</span><br />
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<span style="font-size: large;">根據窮小子的建立零成本股息現金流方法, 瘋子也計算一下幾時可以收回成本.</span><br />
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<span style="font-size: large;">投資總成本: 915,851</span><br />
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<span style="font-size: large;">預計年股息: 66,560</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">股息率平均: 7.12 厘</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">每月股息現金流: 66,560 / 12 = 5,546</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">收回成本年期: 915,851 / 66,560 = 13.76</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">大約 14年後建立零成本股息現金流投資組合,</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">如果持股每年派息增長, 回本期不需要14年.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">財務自由指日可待.</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com21tag:blogger.com,1999:blog-6548369562405494393.post-5221975329686550612016-02-16T06:51:00.000-08:002016-02-16T07:04:27.940-08:00(轉載) 創造零成本股息現金流<div class="MsoNormal" style="background-color: white; color: #222222; line-height: 41.184px; text-align: justify;">
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<b><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">投資先機</span></b><b><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;"> -</span></b><b><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">創造零成本股息現金流</span></b><b><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">(</span></b><b><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">三</span></b><b><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">) -</span></b><b><span style="font-family: "pmingliu" , serif; font-size: 14pt;"> <span lang="ZH-TW">窮小子</span></span></b><span style="font-family: "arial" , sans-serif; font-size: 14pt;"><o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 14pt;"> </span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt;">《創造零成本現金流一二》主要為解釋基本概念及選股條件,於這篇文章將會分析如何建立「零」成本投資組合。若要達至財務自由的目標,建議每月股息現金流收</span><span style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt;"> </span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt;">入是否能超於每月開支。當投資者選擇了心儀既公司,就可以用試算表(</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt;">Excel</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt;">)計算投資組合的可買股數,年股息及月股息收入,股息率及零成本年期。</span><br />
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<span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">100</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">萬股息現金流投資組合計算方法</span><span style="font-family: "pmingliu" , serif; font-size: 14pt;">:</span><br />
<span style="font-family: "pmingliu" , serif; font-size: 14pt;"><br /></span></div>
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<span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">1. 利用投資本金計算可購買股數,假設投資者用</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">100</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">萬元以</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">$5.77</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">買入港燈</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">SS</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">,可買股數為約</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">173,000</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">股。</span></div>
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<span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;"> 2. 利用每股派息及可買股數計算年股息及月股息收入,參考(</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">1</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">)計算的可買股數為</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">173,000</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">股,港燈每年每股派息為</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">0.3981</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">元,年股息為</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">173,000</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">股</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">x0.3981</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">元 </span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">= 68,871.3</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">元,再用年股息除以</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">12</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">,則可得出月股息為</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">5,739</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">元。</span></div>
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<span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;"> 3. </span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;"> 計算組合股息率及建立零成本年期,買入價</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">x</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">可買股數,</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">5.77</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">元</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">x 173,000</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">股
</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">=
998,210</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">元</span></div>
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<span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">股息率:(年股息</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">/</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">投資成本)</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">x100%=</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">(</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">68,871.3 / 998,210</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">)</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">x 100% = 6.9</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">厘</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">零成本年期則為投資成本除以年股息,可得出需要多少年期取回當初投資成本,</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt;">998,210 / 68,871.3 = 14.5</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt;">年。</span><span style="font-family: "arial" , sans-serif; font-size: 14pt;"><o:p></o:p></span></div>
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<span lang="ZH-TW" style="font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;"><span style="font-family: "arial" , sans-serif;">4. </span></span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">投資組合分析,參考上述投資組合,每月股息現金流為</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">5,739</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">元,息率</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">6.9</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">厘,投資者需要</span><span lang="EN-US" style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">14</span><span lang="ZH-TW" style="font-family: "pmingliu" , serif; font-size: 14pt; line-height: 30.9pt; text-indent: -18pt;">年半期時間就能建立零成本投資組合,若該公司每股派息每年有增長,實際回本年期會更短。</span></div>
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<span lang="ZH-TW" style="font-family: "microsoft jhenghei" , sans-serif; font-size: 14pt; line-height: 107%;">文章連結</span><span style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 107%;">:</span><br />
<span style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 107%;"><br /></span>
<span style="font-family: "arial" , sans-serif; font-size: 14pt; line-height: 107%;"> </span><span style="font-family: "times new roman" , serif; font-size: 14.0pt; line-height: 107%;"><a href="http://hk.apple.nextmedia.com/realtime/finance/20160119/54665824"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #888888; font-family: "arial" , sans-serif;">http://hk.apple.nextmedia.com/realtime/finance/20160119/54665824</span></a></span><o:p></o:p></div>
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財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com0tag:blogger.com,1999:blog-6548369562405494393.post-5994857418380447892016-02-10T23:22:00.005-08:002016-02-10T23:28:03.853-08:00新年利是<span style="font-size: large;">新年收到最大的利是什麼? </span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">答案是可以在最低買入最便宜的優質股!</span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">瘋子要等埋今個月出糧再去超市掃平貨.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">記錄下恆指最低位: 19288 ~ 18446 <b><span style="color: red;"> -824</span></b></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">祝大家:</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">新一年收息收到手軟, </span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">直至到</span><span style="font-size: large;">現金流</span><span style="font-size: large;">大於個人支出, 從此</span><span style="font-size: large;">財務自由.</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com6tag:blogger.com,1999:blog-6548369562405494393.post-43828401713737016682016-01-27T23:25:00.004-08:002016-01-27T23:25:40.139-08:00買入合和公路<span style="font-size: large;"><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 18.48px;">買入合和公路</span><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 18.48px;"> </span><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 18.48px;"> (737)</span><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 18.48px;"> 3,000 股 @ 3.53</span></span><br />
<span style="font-size: large;"><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 18.48px;"><br /></span><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 18.48px;">*****</span></span><br />
<span style="font-size: large;"><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 18.48px;"><br /></span><span style="background-color: white; color: #666666; font-family: "trebuchet ms" , "trebuchet" , "verdana" , sans-serif; line-height: 22.9091px;">總資產預計累積全年可收到的股息 66,560 即每月 5,546</span></span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com10tag:blogger.com,1999:blog-6548369562405494393.post-79311988488249626162016-01-21T05:22:00.002-08:002016-01-21T06:06:06.601-08:00(轉載) 做個有錢人<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUemvvjpO5fZNeGKiLZ5raaCbRuh-68nT4y-4Q8i_oD3TEBNlQE2wTV7HCjz8MU4TXiK3fVpXscogs8ZBdVLjqq-3tDyhBdQDVns7JhVm5jfQy_IWX5Y04uwxHm0AFaF3RMVtrp9TWqac/s1600/bkn-20160120164438797-0120_00842_001_01p.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="283" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUemvvjpO5fZNeGKiLZ5raaCbRuh-68nT4y-4Q8i_oD3TEBNlQE2wTV7HCjz8MU4TXiK3fVpXscogs8ZBdVLjqq-3tDyhBdQDVns7JhVm5jfQy_IWX5Y04uwxHm0AFaF3RMVtrp9TWqac/s400/bkn-20160120164438797-0120_00842_001_01p.jpg" width="400" /></a></div>
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">1、儲錢投資 滾大本金</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">能盡快致富,一定唔係單靠打份工,而係盡早投資。儲錢唯一原因係用來投資,而非為儲而儲。緊記將非緊急錢擺喺投資戶口,每年至少檢討該戶口兩次。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">2、搵有錢人 做你師傅</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">要突破基層眼界局限,就要靠學,搵啲成功有錢人做自己師傅。邊到搵?成個東網《致富智庫》任你睇。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">3、借得其所 加大籌碼</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">借錢並非大忌,大忌在於不能錢變錢。若要借錢買車(供樓供車一樣算係借),架車一定要幫到你搵錢,否則唔好借。有錢人就係懂得利用借貸來玩槓桿,加大賺錢籌碼。窮人係借錢享受,富人係借錢再錢搵錢。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">4、你不理財 財不理你</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">要將錢當作係會呷醋嘅男友女友,你着緊佢,佢先會着緊你;你若對佢冷淡,佢亦唔會對你熱情,甚至飛甩你。記住將佢放在最重要位置,關心佢、呵住佢。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">5、天道酬勤 肯捱肯做</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">人人7點收舖,你肯做到11點,肯定多啲生意。聰明與運氣,未必想有就有;但勤力,你實做到兼包有回報,正所謂「天道酬勤」。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">6、「天生窮」唔係藉口</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">微軟創辦人蓋茨講過:「如果出身貧苦,唔係你嘅錯;但如果你死於貧窮,咁就一定係你自己嘅錯。」</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">7、唔使炫耀 學慳字訣</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">成功人士係直至生意或投資帶來多元化收入後,先會「獎勵」自己名錶名車。「慳字訣」係你必須要培養的。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">8、錢做槓桿 錢再搵錢</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">做有錢人,要識玩槓桿,即係投資,唔好淨諗住靠份人工,亦唔好齋諗住靠儲。買股票、買樓收租都係投資。啲搵錢嘅粗重嘢,等啲錢去幫你做。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">9、定高目標 走得愈遠</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">想得太細會限制你嘅機會與發揮。目標不妨Set高啲,呢個世界多的是錢,缺嘅係敢有大想頭嘅人。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">10、追住啲錢 增加收入</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">要追住啲錢,換言之係增加收入。成功人士往往係及早追住啲錢,只要不斷諗住要為財富增值,錢就會引領你。戒咗「金錢萬惡」、「貧亦樂」呢幾句,遠離啲仇富嘅人。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">呢10個法則,Work唔Work?當然Work啦!唔係一味靠吹架,有人辦你睇。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">●人辦一:80後人氣Blogger Starman</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">成績:以投資工廈,30歲前已經賺咗人生第一桶金;依家財務自由,每月嘅被動收入(即是坐喺到收息之類)係6位數字。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">佢認為最Work係:</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">1.「增加收入」及「錢做槓桿」</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">Starman指,儲蓄會被通脹蠶食,收入來源單一易受經濟環境影響,「以做銷售員為例,零售市道轉差,或要減薪或裁員」,所以打工仔應作多類型投資(如股票、債券、房地產),賺取被動收入,兼分散收入來源。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">2.「肯捱肯做」</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">佢話,初入職場屬投資期,投資在自己身上,累積工作經驗、建立人際網絡好重要,切忌怕蝕底。佢自己當年初畢業時亦超刻苦,試過一日連做20小時,返屋企小睡一下就返公司搏殺。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">3.「天生窮唔係藉口」</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">Starman自己亦係基層家庭出身,憑專業投資知識打出頭。佢話香港機會處處,出身貧窮唔代表冇機會。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">●人辦二:中原資產管理高級副總裁黃安盈(Kristy)</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">成績:30歲前已成功累積第一桶金</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">佢認為最Work係:</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">1.「增加收入」及「儲錢投資」</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">Kristy話,經濟差,打工仔有機會失業,「所以千祈唔好一世靠份工,創業唔多人做到,但儲錢做投資相對易」,初出社會工作5至7年慳住使,之後投資彈性大好多。將月薪平均分三份:一份做日常使費;一份存銀行應急;一份放投資戶口或月供基金,等候好時機置業。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">2.「訂高目標」</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 20px; line-height: 30px;">Kristy認為目標定1,000萬好合理,「又不妨試諗吓,10年後想住邊類單位?1,000呎私樓?或係獨立屋?並以此為目標。」此外,心態與堅持同樣重要;啲只識吃喝玩樂嘅朋友,割席算,要為遠大目標狠下心腸。</span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , sans-serif; font-size: 22.8234px; line-height: 30px;">http://hk.on.cc/hk/bkn/cnt/finance/20160120/bkn-20160120164438797-0120_00842_001.html</span>財務自由瘋子http://www.blogger.com/profile/06656756381700452725noreply@blogger.com0