2017年5月21日 星期日

Life is Easy

Jon Jandai:

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.
When I was in Bangkok, I feel like life is very hard, very complicated.
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.
So I feel bad, I feel poor. So I need to go to Bangkok.
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.
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.
And where I stay is very bad, a small room with a lot of people sleep. It’s very hot.
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.
It’s very hard to learn in university, because it’s very boring.
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.
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.
Life is so hard and I feel disappointed.
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…
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
My problem is tonight which house I will go to sleep tonight.
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.
If you don’t believe me, try it. If somebody want to have a house.
And then, the next thing is clothing.
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.
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.
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.
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.
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.
So, it’s so easy.
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.
So, if I buy it because I like it, that mean I’m wrong. So, I feel more free when I think like this.
And the last thing is, when I get sick, what will I do?
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.
So, when I get sick, I need to stop and come back to myself. And think about it, what I did wrong.
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.
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.
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.
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.
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.
So, it’s very important to save seed. That’s why we focus on saving seed. That’s the main thing in Pun Pun.
And the second thing is – is the learning center.
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.
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.
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.
But, if you make these four thing hard and very hard for many people to get, that’s uncivilized.
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.
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?
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.
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.
So, my life is easy and light now. That’s enough for me.
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.
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.
Thank you.

2017年3月3日 星期五

買入匯賢

去年收到的匯賢中期息人民幣股息全數投入,

除了複息效應, 繼續增加現金流達至財務自由.

買入3000 股 @3.08

2017年2月2日 星期四

穩定收息股不同高息股

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。

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

回來談我所說的穩定派息股,這些股以公用股、房託(REIT)、港鐵(0066)為主,這些股的股息率實際上不高,中電(0002)與電能(0006)都是3厘息,煤氣(0003)更只有2厘息,港鐵不計特別股息也只有2厘息,領展(0823)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

曾淵滄



甚麼是股息率?


股息率是股息相對於股價的百分比。
計算方法:
股息率 =(每股股息 ÷ 每股股價)X 100%
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%。

要注意地方


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。
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。

3. 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
結語

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。

2017年1月22日 星期日

2017年財務自由的展望

繼續等待機會, 而機會只留給有準備的人;

回顧當年只有堅持信念並持續執行,

每月7000為目標, 繼續前往財務自由之路.

後記:

分享一下過去一年收到的股息總計是68,019.14



178 160
298 270
737 718
536 4600
1270 846
87001 10056.7592
1881 530
1098 670
1098 2080
5 1850
675
900 690
3988 911
939 10858
939 1957
1288 675
1398 892
1398 2681
255 690
1098 760
1098 230
533 150
5 1852.68
5 674.91
87001 10822.79632
1881 488
1270 448
1270 321
298 870
178 270
900 690
737 5301
5 1852
5 674
298 645
178 160

2016年12月22日 星期四

買入合和公路 737

買入合和公路 (737) 5000股   @4.04   

今年最後累積被動收入 69,667 即每月 5,805


2016年10月9日 星期日

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,

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。

除了工作,過往投資方法也有做得不好,但迷途也不是很遠,

明白以往的錯誤己無法改正,末來的事情郤可以補救;

繼而通往財務自由之路。

2016年6月27日 星期一

買入合和及龍記

買入合和公路 (737) 2000股   @3.80   (約11厘股息)

買入龍記集圑 (255) 6000 股  @2.03   (約9厘股息)

累積全年被動收入 67,151, 即每月 5,595