Sunday, February 26, 2006
The Individualism Experience
It was last nite's Pong Nan concert in HK Arts Festival. This yr AF invites Pong Nan as the performer for the pop music component of the Festival, and it was held in the Studio Theatre of Culture Centre (nvr been to this venue before, and the scale is not as big as one held in City Hall). A small surprise to me is tat the show attracted quite some families together with children, but not many AJs LOL (well i didnt think Pong Nan's 'target mkt gp' r children rite?)The show is a good one, esp. appreciated the atmosphere of the audience which ppl are 'willing' to stand up n cheer as the performer asked us so. In many local concerts, ppl r just too 'dull' and sat on their seats, seems like not enjoying the show at all. The show was set by the theme "Individualism Experience" and actually it's just a means to link up Pong Nan's songs... however it striked me in the beginning, and as the performer said, the show is trying to keep our brain 'thinking' our way of daily lifes - too monotonous n full of stereotypes (well i admit im quite a big fans of stereotypes LOL). It's funny tat it strikes me in a way tat the show makes me think my BLOG here is recently not properly written! Recently i always just scribble sth descriptive and place it up HERE, but not realli sth from deep inside me with considerable thoughts. Oh well, at least now this piece i considered finishing with thoughts hehe. I consider the best part of the show is the bkgd visual effects, i cant keep my eyes off from all those ideas for each of the topics (a lot of visual images, street interviews... v contemporary arts type), and i tot i'd like to try a piece from my own self as well later (hope i can done it here later).
Anyway, a refresh nite i hv and some good songs as well. Should visit THIS if u r interested in programs of HKAF.
Thursday, February 23, 2006
When Ah Jeis / See Lais Also Buy Stocks......
Ah Jeis (namely working mums) & See Lais (namely housewives, but more local, 'wet market' type who will bargain hard for saving a dollar for veggies LOL) are a bunch of ppl who's a very ACCURATE indicator of the peak of the stock market... (Believe me! This is very powerful street wisdom!) There is an old saying that when everyone / Ah Jeis / See Lais are also crazy in buying stocks, the stock market is not far away from great plunges!!!
Today i heard from my Ah Jeis in office that they r v interested n planned to buy the newest IPO 2689, which causes a fever in the city, partly due to its attractive price; effect of some rich men joining this game; and more - recently many China stocks soared double-digit % growth in just a week or so...... me was planned to buy this IPO days already, but then when i heard those Ah Jeis saying so, i told myself "OMG... the mkt is near for big corrections!"
Then they told me all their stories of "successful investing" ... subscripting to IPO 981 (oh damn... i m one victim as well); buying the oh-so-famous PCCW 8 at the peak of cyber-fever: (buying at sth like $25-30 which now only worths $5); and those famous "saving plans" offered by HSBC, which claims fixed % growth in every year, only knowing that it's linked with interest rate, and now the money being 'eaten up' by an increasing rate.
oh well well, when i heard them telling me one and another of these 'stories', i realli feel like an alarm is sounding... quit the stock market soon!!! LOL
well, let's watch the mkt for some months and see what happened =p
Monday, February 20, 2006
Financial Management Case
v similar to my current financial situation, only except i dun hv a flat & a mortgage to pay... sob sob
入僅敷支 先儲第一桶金
2006年2月20日
【明報專訊】署名「偑小姐」的讀者今年26歲，單身，月入1.8萬元，現有約5萬元儲蓄。她剛於去年9月購入一個市價200萬元的單位自住，按揭每月供款9000元。另外，她在去年起進修一個兩年制課程，全期學費6萬元。她想知道，以她能承受中度風險，應如何有效理財，好能安穩地生活，至55歲退休﹖
就偑小姐所提供的資料，可從兩方面分析她的財務狀﹕
一、現金流﹕月入1.8萬元，每月總開支17,733元 ，剩下的每月可調動資金只有267元。她現時只持有5萬元現金，僅足夠支付約3個月的生活開支，因此，建議她逐步將手持現金提高至10萬元。
二、 財富管理﹕除現金、一個自住物業及一份保險計劃以外，她並未有任何投資或儲蓄項目，投資項目未夠分散，地緣風險高。
若偑小姐希望於退休後能繼續維持現有生活水平，以現時每月生活開支4000元及平均每年2%的通脹計算，在55歲退休時，她將每月需要約7100元的生活開支。香港女性平均預期壽命約為85歲﹔保守估計，她於55歲退休時需要安排約256萬元作為30年的退休儲備。
延樓按還款期 爭取資金投資
偑小姐現時幾乎沒有剩餘資金可作儲蓄投資。由於她仍年輕，可考慮將樓宇按揭的還款期由20年稍作延長至25年，把每月供款減少約1000元﹔同時建議她每月盡量節省生活開支700元，以便將每月的流動資金增至1700元，作長線投資。
由於偑小姐缺乏投資經驗，建議她可考慮月供的年金投資計劃。這類計劃有如「私人長俸」，可為讀者提供長享長有的定額保證收入，而投保人亦可因應個人可承受的風險程度，挑選合適的基金作投資。另外，由於讀者現年僅26歲，距離退休尚有一段很長的時間，因此，建議她考慮採用較進取的投資組合，以爭取更高的長遠潛在回報。假如每月供款1700元，以9%的每年回報率計算，讀者於55歲時，預計每月年金收入約為11,500元，足以支付所需的生活開支﹔即使保守估計每年回報率僅5%，預計每月年金收入亦可有5900元。由於這類型計劃可提供多方面的理財彈性，只要保單已累積有現金價值，即容許暫時減低供款金額、停止供款或提取現金，以應付不時之需。
偑小姐兩年後修畢課程後，不用再繳付學費，每月多出的2500元，建議她投保一份25年期的「組合式投資計劃」，讓投資每月定期累積，兼享「平均成本法」的好處。這類投資計劃更提供多元化的基金選擇，故此，較投資於單一股票或外匯更有助她達至提升潛在回報及分散風險的目標。同樣地，建議她採用較進取的投資組合。若投資回報率為每年9%，53歲時，預計累積的金額可達259萬港元﹔即使保守估計，投資回報率僅每年5%，戶口內預計累積金額將為145萬元。
入僅敷支 先儲第一桶金
2006年2月20日
【明報專訊】署名「偑小姐」的讀者今年26歲，單身，月入1.8萬元，現有約5萬元儲蓄。她剛於去年9月購入一個市價200萬元的單位自住，按揭每月供款9000元。另外，她在去年起進修一個兩年制課程，全期學費6萬元。她想知道，以她能承受中度風險，應如何有效理財，好能安穩地生活，至55歲退休﹖
就偑小姐所提供的資料，可從兩方面分析她的財務狀﹕
一、現金流﹕月入1.8萬元，每月總開支17,733元 ，剩下的每月可調動資金只有267元。她現時只持有5萬元現金，僅足夠支付約3個月的生活開支，因此，建議她逐步將手持現金提高至10萬元。
二、 財富管理﹕除現金、一個自住物業及一份保險計劃以外，她並未有任何投資或儲蓄項目，投資項目未夠分散，地緣風險高。
若偑小姐希望於退休後能繼續維持現有生活水平，以現時每月生活開支4000元及平均每年2%的通脹計算，在55歲退休時，她將每月需要約7100元的生活開支。香港女性平均預期壽命約為85歲﹔保守估計，她於55歲退休時需要安排約256萬元作為30年的退休儲備。
延樓按還款期 爭取資金投資
偑小姐現時幾乎沒有剩餘資金可作儲蓄投資。由於她仍年輕，可考慮將樓宇按揭的還款期由20年稍作延長至25年，把每月供款減少約1000元﹔同時建議她每月盡量節省生活開支700元，以便將每月的流動資金增至1700元，作長線投資。
由於偑小姐缺乏投資經驗，建議她可考慮月供的年金投資計劃。這類計劃有如「私人長俸」，可為讀者提供長享長有的定額保證收入，而投保人亦可因應個人可承受的風險程度，挑選合適的基金作投資。另外，由於讀者現年僅26歲，距離退休尚有一段很長的時間，因此，建議她考慮採用較進取的投資組合，以爭取更高的長遠潛在回報。假如每月供款1700元，以9%的每年回報率計算，讀者於55歲時，預計每月年金收入約為11,500元，足以支付所需的生活開支﹔即使保守估計每年回報率僅5%，預計每月年金收入亦可有5900元。由於這類型計劃可提供多方面的理財彈性，只要保單已累積有現金價值，即容許暫時減低供款金額、停止供款或提取現金，以應付不時之需。
偑小姐兩年後修畢課程後，不用再繳付學費，每月多出的2500元，建議她投保一份25年期的「組合式投資計劃」，讓投資每月定期累積，兼享「平均成本法」的好處。這類投資計劃更提供多元化的基金選擇，故此，較投資於單一股票或外匯更有助她達至提升潛在回報及分散風險的目標。同樣地，建議她採用較進取的投資組合。若投資回報率為每年9%，53歲時，預計累積的金額可達259萬港元﹔即使保守估計，投資回報率僅每年5%，戶口內預計累積金額將為145萬元。
Font Changing Entry
oh why i m pending this entry to type now? i just realised this L-O-V-E-L-Y font yesterday when helping Anthony to get his new comp. hahaa (oh yeh i also realised sth new as well, the T9 function in my mobile... thx Ant!)
last week i've run in the SC race.. and now i got the result!! honestly tat's quite satisfying hehe.. hope i'll participate again n got it within 55 min the next time i run -
Overall Sex Category Category Race no. Country Official Time Chip Time
1748 1609 460 TMS1 70613 CHEUNG **** Hong Kong 0:56:22 0:55:58
and two days later... i also got my own "running pic" =p
n then this week Benj's coming to support Anthony's running, as well as to celebrate his b-day... so we went to Wara Wara on his b-day nite... at first we planned to give him some surprise, but too bad Benj didnt succeed!! they met victor on the elevator aiyoh!! next time hv better plans loh benj okie? =p and one more thing... it's sooo nice to see them sooo sweet =p=p aawww...
last week i've run in the SC race.. and now i got the result!! honestly tat's quite satisfying hehe.. hope i'll participate again n got it within 55 min the next time i run -
Overall Sex Category Category Race no. Country Official Time Chip Time
1748 1609 460 TMS1 70613 CHEUNG **** Hong Kong 0:56:22 0:55:58
and two days later... i also got my own "running pic" =p
n then this week Benj's coming to support Anthony's running, as well as to celebrate his b-day... so we went to Wara Wara on his b-day nite... at first we planned to give him some surprise, but too bad Benj didnt succeed!! they met victor on the elevator aiyoh!! next time hv better plans loh benj okie? =p and one more thing... it's sooo nice to see them sooo sweet =p=p aawww...
Sunday, February 12, 2006
SC10K RUN (Part II)
Finally i'm done with my FIRST EVER 10K run this morning!!!! (i even nvr reached 10k in practice run) YYAAYYY!!!! just readin back my blog in Oct l/y ... am just like running 2.8 k in my first practice... but now am running like 10k, i realli feel proud of myself =P
ok woke up at 3am this morning (whoa!), but actually it's becoz my sister's noises woke me up... got on the special mtr (for marathon) on 430, how funny that the whole mtr is full with guys! haha , i shall take a pic of that view indeed (coz the first group to start is the male 10km) ... met w Leo in the Culture Centre and r about to start, but sth unlucky happened on me!!! My iPod suddenly HANGS!!! !@#$%^!!!!!! nvr tried that before, and it so happened rite before the run!!! i used to hv music w me while running, sighhh (is it realli becoz my fortune this yr is not realli good in the yr of dog?)
the run started at 545 and well... i only know a lot of ppl r kept passing me =P while running (like in the first 3 or 4 k) sth bad happened again... feel like some ache at my side of the waist! oh geez... realli feel like i want to stop... but havent done so finally... well i hv to say also there r a lot of ups n downs throughout the route, and it's realli quite demanding when the route is tat undulating... i tot the most challenging is the final 2 k when u hv to pass thro the small tunnel in Central to Admiralty, realli wanna die... finally i've managed to cross the finish line at sth like 56 mins!!! YYAAAYY can complete within an hour! my target achieved!!! =P (but i do hope i can run like within 55 mins indeed)
so i tot the results n pics will be available later, will keep update then =p
here's a pic i took w Leo, oh dear i looked so terrible n fees like panda =P so sleepy look
ok woke up at 3am this morning (whoa!), but actually it's becoz my sister's noises woke me up... got on the special mtr (for marathon) on 430, how funny that the whole mtr is full with guys! haha , i shall take a pic of that view indeed (coz the first group to start is the male 10km) ... met w Leo in the Culture Centre and r about to start, but sth unlucky happened on me!!! My iPod suddenly HANGS!!! !@#$%^!!!!!! nvr tried that before, and it so happened rite before the run!!! i used to hv music w me while running, sighhh (is it realli becoz my fortune this yr is not realli good in the yr of dog?)
the run started at 545 and well... i only know a lot of ppl r kept passing me =P while running (like in the first 3 or 4 k) sth bad happened again... feel like some ache at my side of the waist! oh geez... realli feel like i want to stop... but havent done so finally... well i hv to say also there r a lot of ups n downs throughout the route, and it's realli quite demanding when the route is tat undulating... i tot the most challenging is the final 2 k when u hv to pass thro the small tunnel in Central to Admiralty, realli wanna die... finally i've managed to cross the finish line at sth like 56 mins!!! YYAAAYY can complete within an hour! my target achieved!!! =P (but i do hope i can run like within 55 mins indeed)
so i tot the results n pics will be available later, will keep update then =p
here's a pic i took w Leo, oh dear i looked so terrible n fees like panda =P so sleepy look
SC10K RUN
in less than a hour, i will be running from kln to wan chai!!! good luck to all of u who r running!
Friday, February 03, 2006
Two Lucky Incidents
This two lucky incidents happened before CNY already... on last Friday nite (27/1)... well I think my luck just cant stop at the year of rooster! =P
The first incident happened at nite... I met Anthony for dinner in TST, during our conversation i knew that he's going for Yundi LI's concert after the dinner, oh! tat's wat i wanna go as well... and so he suggested me to go to Cultural Centre together to try my luck, see if anyone is willing to release his tickets in the last minute...
When we went to the tix office, it seems that there r no extra tix... but then a seemingly rich gentleman come over and hand me a tix!! and he said, "give the money to those in need for charity" and left!!! I was TOTALLY SHOCKED n SURPRISED at that time n I DUNNO HOW TO REACT!!!! I saw the tix... and it's a $510 one!!! OMG!!!!! i tot i am such a lucky person!!!! However, i felt that i cant just go into the concert without contributing a penny... so i insisted to give the gentleman back the money for the tix, but sure he refused... he told me as well that his fds (who r a lady sitting next to me during the concert) r running a charity n said if i wanted to give the money, i can donate it to her charity... so finally i gave my money to her...
The concert, needless to say, was MARVELLOUS! Yundi LI's performance was excellent, his piano play is superb n really totally amazing!!! i m sooo lucky that i can enjoy the show, and with an excellent position (i tot i m sitting in the RIGHT MIDDLE of the concert hall!)... during the break, i asked the lady abt her charity, and it is this (click the icon below to their site)
The first incident happened at nite... I met Anthony for dinner in TST, during our conversation i knew that he's going for Yundi LI's concert after the dinner, oh! tat's wat i wanna go as well... and so he suggested me to go to Cultural Centre together to try my luck, see if anyone is willing to release his tickets in the last minute...
When we went to the tix office, it seems that there r no extra tix... but then a seemingly rich gentleman come over and hand me a tix!! and he said, "give the money to those in need for charity" and left!!! I was TOTALLY SHOCKED n SURPRISED at that time n I DUNNO HOW TO REACT!!!! I saw the tix... and it's a $510 one!!! OMG!!!!! i tot i am such a lucky person!!!! However, i felt that i cant just go into the concert without contributing a penny... so i insisted to give the gentleman back the money for the tix, but sure he refused... he told me as well that his fds (who r a lady sitting next to me during the concert) r running a charity n said if i wanted to give the money, i can donate it to her charity... so finally i gave my money to her...
The concert, needless to say, was MARVELLOUS! Yundi LI's performance was excellent, his piano play is superb n really totally amazing!!! i m sooo lucky that i can enjoy the show, and with an excellent position (i tot i m sitting in the RIGHT MIDDLE of the concert hall!)... during the break, i asked the lady abt her charity, and it is this (click the icon below to their site)
it's a charity supportin children with specific learning difficulties, including Dyslexia & attention deficit, and probably those guys sitting next to me are the council members of this charity! OMG! Anyway, i m glad that i hv the luck to enjoy such a good show at the same time donating to charity!!
well, the second lucky thing is small comparing to the first (in terms of the LUCKINESS)... well a diagram beats a thousand words ...
What'll u feel if u bought the stock at the price when it's in the pointed arrow's time??? given that the stock now is close to $14!!!!! WAHAHAHAHA
