月份:十二月 2015

2015年一至十一月財務自由比率更正, 另加地產試一Take過合格

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華人的“處“情意結

最近看到當年淫照事件的陳冠希受內地傳媒訪問憶述當年,不過至今此君依然是無怨無悔;
塘人覺得他當然就無怨無悔了,始終他爽了之餘而且最大受害者又不是他,反而是與他搞過的一眾女星們,尤其是自始便嫁入豪門無望的陳文緩。
眾淫照中陳文緩的照片實在是非常出位,可以說是與鍾欣桐是同一個層次,只不過是男女的Post不同而已,但最不同的是阿鍾欣桐當年似乎還未有男友,而陳文緩已經和一個商家子弟正在談婚論嫁。
當年的新聞好像是說知道消息後,該商家子弟正與陳文緩正準備出外地旅行,而且他還在機艙中手拖手地對陳文緩表示十分之支持;事隔多年後他們已經分手,當然所謂的婚姻亦都從未發生。
塘人最近看了一個由香港嫁至德州的港“姨“的Blog,話說她當年與香港前夫離婚後獨立湊養一女兒,由於當年還算年輕所以還有再找新婚姻的打算,可惜她就發現了港男或他們的家庭十分之嫌棄去娶一個已經有孩子的女人;
最後這位當年的港“姊“無辦法,唯有轉攻鬼佬市場,最後被她認識到一位自少便雙腿殘廢的德州鬼佬,移民到當地之後好像現在也過着不錯的生活。 我的前半生 – 第八篇 「單親媽媽尋愛難」
如果對歷史有認識的人都知道,我們現今的道德觀其實是來自宋朝的朱熹學說,至明清時期再更加強化:
在該套道德觀之前,誰都知道武則天是嫁了老豆(唐太宗)再嫁給其兒子,楊貴妃是嫁給了兒子再嫁給其老豆(唐玄宗),秦漢時期就算有孔孟子時女人因為男人們經常戰死沙場而必要地嫁完再嫁。
不過現代的華人實在是現實和道德上非常之矛盾,女人們既要學西方般去性解放自己,男人們亦都可以不顧所謂禮節去到處婚前性行為,但大家又要求洞房之前對方還是一個處男/處女,所以亞洲就曾經興起過女人們婚前要去用豬皮補處女膜兼且要扮“第一次的痛“,實質是自欺欺人之餘亦都是欺詐對方矣。

愈自由就愈唔願……

鬥。
事緣是有一位自尊心受塘人兩公婆所創的女性親戚近半年來一直在臉書上宣示自己如普遍港媽的好勝行為;
可惜的是她的財政狀況已經被其他親戚及其另一半“爆了大鑊“原來是十分之令人同情,所以她在臉書上所Post的所有“中產式“的消費行為在塘人眼中實是“財務自殺“。
鬥爭這種事塘人知道只有在讀小學時塘人老媽為了不輸給塘人的所有童年玩伴的老母而出現,師奶之間的鬥爭結果就是塘人年幼時的朋友圈子逐步地走向滅亡之路:
最記得是樓下隔三層樓有一個經常一齊打機的朋友移了民剩下一間空屋塘人才知道,他的父母可能也是怕了港媽們的鬥爭。
師奶們為何特別鍾意鬥?
如果有看過無線劇<>或<>的Blog友可以注意到的是為何劇中班女演員會有特別多的爭鬥?  原來實在是因為太過“得閒“。
本來“得閒“是無問題的,不過又再加多樣“無錢“和"心窮",既“得閒“,又“無錢“, 再"心窮",就導致了她們愛參與和其他師奶的鬥爭,因為“鬥“是差不多零消費。
就像塘人當年般師奶們愛鬥自己子女能夠入到Band1學校,然後又在自己子女面前說:[你快啲睇下,隔嚟個邊個女入左間佛教學校,band4,5 㗎!],就是這班師奶們搞幾搞,大家就注定了各散東西。
真正的自由是要既“得閒“,又“有錢“, 加"心富",共勉之!

弄權遊戲(一)

買股Blog塘人睇得太多,反而除了言兄和70後男主人兄之外就不太見到其他有玩“權“的Blogger,在美國就更加不見有港人會寫這類資訊了;
以前雖然塘人都有開過幾篇有關玩“權“的Blog文,不過都只流於有文無圖得個講,因為自從換了新電腦之後就學識了如何去Cap圖,所以今次試下圖文一齊寫吧:
(來源Scottrade)
假設塘人現在有一萬美元:$10,000
剛巧就找到上圖一隻現價十九蚊七毫半的股票:$19.75
年派息:4.25%
假如塘人用$10,000全買股(未計手續費)的話,可以買到506股:$10,000/$19.75
以現價買入計算的話,年股息大概$424.72。
另,以此方案持股一年以上的話,身處美國的投資者(不論居民公民與否)股息可以按Long Term Capital Gain/Qualified Dividends 來計稅(15%或20%)。
假設塘人不買股做Short Put 又怎樣?
(來源Scottrade)
首先看看上圖距離下月期權結算(一月十五日)只剩下十九日的期權盤;
假設塘人看該股票在期權到期日前會漲過二十美元的話就不妨開出五張二十美元的Put(左邊係Call,右邊係Put),共需保證金(?)一萬美元(未計手續費)。
(來源Scottrade)
之後到期權到期為止,假如股價真的漲過二十美元,投資者在這十九日中的期權金收益為一百五十美元(.30 x 5 x 100)。

雖然股息和權金都是左袋換右袋, 但一樣依一萬美元的投資金來計:  $424.72(4.25%) vs $2842.11(28.4%) (360-day calendar)

當然出得來行就預了要還,總會有點風險的; 假如在期權到期日股價跌少過二十美元呢?
投資者共有兩個選擇:
1.  看當時期權價用錢續回該五張Put,導致唔使真係要用每股  二十美元的股價去接貨, 但可能會有Loss;
2.  用二十美元接貨五百股, 然後等收息和做Covered Call(下回再說);
以上兩個選擇都好,短於一年的投資屬於Short Term Capital Gain/Loss ,以納稅人的最高稅率(Effective Tax Rate)來計稅。
另外, 美國一般證券行把買賣票據者分為0-5個Level, 基本上是根據投資者的收入資產投資經驗來上Level, 目的是所謂保護投資者, 所以日本佬說過猴子都能夠被訓練儲蓄, 然後長期買入股票和共同基金就是這個意思(Level lol)

Rich Dad Scam #8: Invest Diversely in the Long Term

This is the final post I’m writing in a series on what I call Rich Dad Scams, scams designed by the rich to keep you in your place. They are the “rules” you’re supposed to follow that will keep you an employee and keep you from getting rich while the rich get richer.

The reason why so many people buy into these scams is because some of them, like working harder and saving money, used to be viable. If you followed them, there was a reward, but not anymore.

As we’ve seen in other scams like paying off debt, living within your means, and saving your money, the Rich Dad Scams I’ve identified keep you from truly putting your money to work. They keep you from turning your money into more money. In other words, they keep you poor.

Today, we’ll take a look at Rich Dad Scam #8, “Invest for the long term in a diversified portfolio of stocks, bonds, and mutual funds.”

The investment illusion

If there’s anything to be learned from the last few years of financial mess, it’s that nothing is guaranteed. And that includes all the long-term investments that your financial planner will encourage you to buy, such as mutual funds, stocks, and bonds.

It’s worth noting that financial planners didn’t exist until about forty years ago, when people were forced to take control of their own retirement funds through vehicles like the 401(k). Financial planning is an industry created by the banks to make money off the financially illiterate. It takes only thirty days of training to become a financial planner. You have to go to school for more than a year just to become a massage therapist.

Nearly every financial planner will tell you that in order to be financially secure, you must diversify. By this they mean to invest in stocks, bonds, and mutual funds. Unfortunately, this is not true diversification. Rather it is diversification in only one asset class, paper assets—the class where banks make big money in the form of fees. Virtually ignored are the other asset classes, real estate, commodities, and business.

The diversification trap

But, you say, my financial planner helped me plan wisely. We invested in lots of different things, so that if one company’s stock or one mutual fund takes a hit, there are others that will go up. This is one of those scams that make sense on paper. Of course, the more spread out you are, the more protected you are from losing money.

Except for the fact that everything you’re invested in is still on paper, it’s based on the same fragile economy, and the same investment model. When the stock market goes down, it goes down everywhere, not just in certain places. Investing in Microsoft and McDonald’s won’t make any difference if the market tanks and everything goes down. Widely investing in different mutual funds spreads that risk around even more, but the risk is still the same and the hit will be the same when things go south.

True diversification is investing across different asset classes, not different stocks. This holds true with any of the asset classes. If I’m invested in condos, apartments, and houses, my portfolio looks diverse, but they’re all still real estate assets. So I have real estate assets, commodities assets like gold and silver, business assets like my companies, and yes, I have some paper assets as well. But I know they’re not going to make me rich.

Taking control

The real issue here is that by buying paper assets at all, you’re putting control of your money in someone else’s hands. A CEO makes a bad decision, and you’re left holding the bag for his mistake when the stock drops. The only control you have over paper assets is to sell them. Holding on to them, you’re just playing a waiting game and crossing your fingers. And it’s even worse if you put those paper assets into a 401(k), you have even less control, they’re locked in, and you’re penalized for taking those funds out or borrowing against them.

True diversification requires financial intelligence, which comes from financial education. If you don’t have the desire to increase your financial intelligence, then by all means continue using your financial planner and investing in only paper assets, as those investments are set up so that even a monkey could do them. If, on the other hand, you want to be rich, I encourage you to ignore Rich Dad Scam #8, “Invest for the long term in a diversified portfolio of stocks, bonds, and mutual funds,” and instead increase your financial education and begin working towards true diversification.

(來源 RichDad.com)

與其崇拜借神求財的江湖解籤佬, 不如看多點書再加實戰去學更多不同類型投資物的投資手法吧;

待續……

Bedtime story:假如有一日,塘人和99個Blog友……(二)

以下內容純屬Dog 嗡, 如有雷同, 實在非常巧合
上回講到塘人開了間REIT,而且透過正途的開REIT章程,並且在開頭就有息派回給99個Blog友;
如是者平安無事地過了半年,突然有一日其中一間物業的租客通知塘人暖氣唔Work,由於冬天無暖氣屬於不適合人類居住條件,所以業主需要三日內回覆並且作出適當的維修,否則租客有權利自行取消租約及不再需要負責任何租金(Constructive Eviction )。
由於塘人買入物業時同時買了一年的Home Warranty Insurance ,於是便立即在網上Make Claim ,同時付了每個Claim的六十美元Co – Payment,其餘的所有維修費用就由Home Warranty 公司負責。
如是者暖氣問題雖然被解決,但因花費了六十美元而導致剩收入下降,於是這個月公布的股東派息就只有三蚊零九十六仙美元,即月回報率為0.396%。
未完,待續……

盲俠也Score

“Score “這個英文字經常在美國大學,高中及PUA界的男人圈子中使用,其意思是與不同女生上床的次數;
所以當有鬼仔問你“What ‘s your score? “, 他並不是問你的學校成績,而是問你同過幾多女人訓過覺(現在同性戀的也適用),如果有一個鬼妹/鬼佬含情脤脤地問你“You wanna score me? “,意思不是想踢足球,而是想同你玩玩。
塘人的客仔中有一個是年幼時重病而導致雙目失明的六呎高男人,而且亦都因為這個重病而導致這位盲俠面部有點扭曲,看似曾經中風一樣;
不過又盲又樣衰並不導致這個盲俠自怨自捱,日常除了照常生活但無工作之外,他還有很多Score的節目,誇張到每次塘人與同事談及他的時候,大家都會將話題轉到他的女人們。
其實盲俠除了高之外,還一直保持住西部牛仔般的裝扮,而且還會噴香水,有時也不知道他從那裏找來孔雀毛,插在他的牛仔帽上。
不過他最大的溝女武器反而係因為他失明!
失明導致他看不到女人的容貌,因此就沒有了一般男人有的所謂“女神恐懼症“,再加上本來他說話有很多唔好笑的“爛爆Gag",而對住女人們時就更加肉麻,塘人經常會聽到他對不同的女友Send情慾短訊(盲人Send Message是要先讀給手機聽的)。

 

不過有時他Score到的女人又不一定是靚女,有次塘人去接他的時候,就見到一個非常恐怖的場面 – 他與一個老巫婆般的女人來了一個Goodbye的脷搭脷,另外其他女人有些是靚的,不過大家都知道盲俠並不Care,因為他看不到。
塘人有次沒有問他但盲俠又自言自語地說為何他這樣受女人歡迎,原來他是用“心“去知道女人的美麗(塘人當時心想:[難道可以用眼?]);
與女性相處不好的Blog友們,如果你能夠參透到這句話的話,你就有潛質成為把妹大師了。