小樂的生存之道since 2012-04-27
本部落格為作者自行投資與觀察之紀錄,讀者閱讀文章應審慎評估投資之風險,本人不負任何讀者自行投資行為之虧損責任,特此聲明!所引文章內容若有侵權或冒犯之處,請告知版主刪除!

目前日期文章:201210 (31)

瀏覽方式: 標題列表 簡短摘要
火箭隊11月賽程表

 

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主場 ■客場
                                                  林書豪表現
                         11/1  12分 8助攻 4籃板 4抄截
                         11/3  21分 7助攻 10籃板
                         11/1  13分 7助攻
  




小樂 發表在 痞客邦 留言(0) 人氣()

  

大盤大跌,您心目中的好股票跌到可以買進的價位了嗎?經由小樂倉儲股理財寶的三項評價法,您也可以做個快樂的價值投資人!

十四天試用序號: U3B-BQA-WQP

(如無法順利註冊表示人數已經超過試用人數上限囉!我會向cmoney再爭取試用名額!)

小樂倉儲股理財寶商品介紹頁:

http://www.cmoney.tw/app/ItemContent.aspx?id=1441&menuTab=2&menuListItem=5&menuSublistItem=

理財寶主程式下載網址:http://www.cmoney.tw/app/download.aspx

相關操作請參考這一篇文章:理財資源介紹:CMoney理財寶 App Store

作者簡介

小樂,價值選股投資人,服膺葛拉漢及巴菲特的價值投資法,建立自己的倉儲股投資名單,目前經營「小樂的生存之道」部落格(http://allenlinp.pixnet.net/blog),期許自己能將價值投資的理念帶給散戶大眾,邁向正確的理財投資之道!

使用說明:

選股原則
小樂倉儲股app是以連續六年均配發現金股息的公司作為篩選原則,精選120檔個股,作為倉儲股觀察標的。
個股價位
我們使用三項評價法(近六年股價高低價位/安全邊際法/雪球法)的三種平均值來評估小樂倉儲股的股價位階,您可以根據我們的計算方式評估個股的買賣價位。
注意事項
小樂倉儲股涵蓋景氣循環股(鋼鐵/塑化/航運)及部分電子類股,運用三項評價法買賣股票時仍應謹慎評估投資風險!
疑難排解
有任何問題請email至小樂信箱:allenlinp23@gmail.com或留言於小樂的生存之道部落格(http://allenlinp.pixnet.net/blog)

版權宣告 

本電腦程式與理財寶APP之所有內容等均受著作權法保護,凡未經授權擅自複製或散佈前述程式與理財寶APP之部分,將遭民事與刑事處罰。

本理財寶所有內容僅為呈現作者個人之經驗與思維,並以電腦程式運算出之結果供讀者觀察、學習與討論之參考,絕無意圖亦不構成任何形式的買賣建議及推薦,用戶在參考內容後,務必須自行運用個人獨立思考能力,自行做出投資決定,若因此參考資料有任何形式之獲利或損失,概與《理財寶》、編者、作者無涉。    

上架活動:

想要免費得到小樂倉儲股APP(半年期)嗎?只要您推薦10位好友索取試用(附上好友姓名及有效e-mail並留言索取),我們確認後將免費提供小樂倉儲股APP年期給前10位符合資格的朋友!!

10/18

之前購買小樂倉儲股檔案的朋友,我將致贈理財寶小樂倉儲股app(半年期)!感恩!

10/17

目前理財寶是邀請制的,各位可以先免費註冊,等待官方邀請加入,或是等待小樂發送序號囉!

10/12

有意試用理財寶小樂倉儲股app請於本篇文章底下留下email索取理財寶開通序號!寄送序號時間另行通知!

目前小樂倉儲股APP尚未正式上架,請大家耐心等候!!

小樂倉儲股app理財寶畫面展示:

小樂倉儲股app-1 小樂倉儲股app-2 

小樂倉儲股app索取序號名單:

1.dennis

2.show

3.barry1118

4.Robert.Chuang

5.zyking

6.tsuneng

7.chliu

8.Yu-ting Wong

9.阿~ 

10.breguet

11.tony
14.pigfly701
17.de
 
 

 索取人數達20人即發送序號或於10月30日前發送(小樂發送之序號可連續試用2週!),使用若遇到任何問題也請讓小樂知道,感恩!

文章標籤

小樂 發表在 痞客邦 留言(35) 人氣()

對的時間,遇上對的人,是一生幸福!!

小樂曰:對的時間,買進對的股票,是一直數鈔票!!

對的時間,遇上錯的人,是一生心傷!!

小樂曰:對的時間,買進錯的股票,是福是禍天知道!!

錯的時間,遇上錯的人,是一生荒唐!!

小樂曰:錯的時間,買進錯的股票,是換來壁紙一張!!

錯的時間,遇上對的人,是一生嘆息!!

小樂曰:錯的時間,買進對的股票,是住一間套房!!

 

工商服務:為避免悲劇發生請服用小樂倉儲股理財寶!小樂真情推薦!

http://allenlinp.pixnet.net/blog/post/51786506

小樂 發表在 痞客邦 留言(1) 人氣()

以下為六年均配發股息的公司作為初步篩選對象

1216統一
1231聯華食
1234黑松
1236宏亞
1319東陽
1325恆大
1465偉全
1476儒鴻
1477聚陽
1503士電
1507永大
1517利奇
1519華城
1525江申
1528恩德
1531高林股
1532勤美
1537廣隆
1560中砂
1565精華
1569濱川
1580新麥
1582信錦
1583程泰
1612宏泰
1614三洋電
1227佳格
1701中化
1715亞化 
1720生達
1733五鼎
1709和益
1711永光
1713國化
1722台肥 
1724台硝
1731美吾華
1733五鼎
1734杏輝
1736喬山
1777生泰
1785光洋科  
1788杏昌
1802台玻
1806冠軍
1808潤隆 
1813寶利徠
2010春源
2023燁輝
2029盛餘
2031新光鋼
2034允強
2049上銀
2059川湖
2104中橡
2105正新
2107厚生 
2114鑫永銓
2201裕隆
2207和泰車
2227裕日車
2301光寶科
2311日月光
2315神達
2317鴻海
2324仁寶
2325矽品
2332友訊
2337旺宏
2338光罩
2347聯強
2351順德
2354鴻準
2355敬鵬
2356英業達
2357華碩
2360致茂
2369菱生
2374佳能
2376技嘉
2377微星
2379瑞昱
2380虹光
2382廣達
2385群光
2387精元
2392正崴
2393億光
2397友通
2404漢唐
2414精技
2420新巨
2421建準
2423固緯
2439美律 
2441超豐
2448晶電  
2450神腦
2451創見
2454聯發科
2456奇力新
2458義隆
2459敦吉
2460建通
2462良得
2464盟立
2467志聖
2468華經
2473思源
2474可成
2476鉅祥
2478大毅
2480敦陽 
2483百容
2485兆赫
2488漢平
2489瑞軒
2495普安
2498宏達電
2504國產
2509全坤建
2520冠德
2527宏璟
2534宏盛
2536宏普
2538基泰
2542興富發
2545皇翔
2546根基
2548華固
2535達欣工
2596綠意
2612中航
2636台驊
2701萬企
2704國賓
2706第一店
2707晶華
2718桃園店
2801彰銀
2880華南金 
2886兆豐金
2892第一金
2901欣欣
2903遠百 
2908特力 
2911麗嬰房
2912統一超
3002歐格
3003健和興
3005神基
3006晶豪科
3008大立光
3022威達電
3023信邦
3026禾伸堂
3027盛達
3028增你強
3030德律
3031佰鴻
3033威健
3034聯詠
3035智原
3036文曄
3037欣興
3041揚智
3042晶技
3044健鼎
3055蔚華科
3058立德 
3059華晶科
3060銘異
3062建漢
3078僑威 
3083網龍
3090日電貿
3092鴻碩
3093港建
3094聯傑
3114好德
3118進階
3152璟德
3169亞信
3189景碩
3206志豐
3211順達
3213茂訊
3221台嘉碩
3227原相 
3229晟鈦
3231緯創
3264欣銓
3265台星科
3285微端
3291遠翔科
3293鈊象
3297杭特
3299帛漢
3305昇貿
3311閎暉
3315宣昶
3323加百裕
3332幸康
3356奇偶
3376新日興 
3380明泰
3388崇越電
3390旭軟
3416融程電
3438類比科
3443創意
3444利機
3450聯鈞
3454晶睿
3483力致
3484崧騰
3490單井
3491昇達科
3494誠研
3501維熹
3504揚明光
3511矽瑪
3515華擎
3518柏騰
3522宏森
3526凡甲
3527聚積
3529力旺
3531先益
3533嘉澤
3537堡達
3541西柏
3545旭曜
3546宇峻
3548兆利
3550聯穎
3551世禾
3556禾瑞亞
3559全智科
3703欣陸
3705永信
4102永日
4104佳醫
4105東洋
4107邦特
4111濟生
4119旭富
4120友華
4305世坤
4306炎洲
4416三圓
4506崇友
4526東台
4527方土霖
4528江興 
4535至興 
4714永捷
4722國精化
4725信昌化
4906正文
5007三星
5015華祺
5016松和
5203訊連
5209新鼎
5347世界
5353台林
5356協益
5371中光電 
5388中磊
5392應華
5403中菲
5434崇越 
5438東友
5439高技
5452佶優
5460同協
5464霖宏
5471松翰
5478智冠
5483中美晶
5487通泰
5489彩富
5490同亨
5491連展 
5493三聯
5508永信建
5511德昌
5515建國
5519隆大
5522遠雄 
5525順天
5533皇鼎
5534長虹 
5601台聯
5706鳳凰
5903全家
6008凱基證
6023元大期
6024群益期
6105瑞傳
6108競國
6112聚碩
6117迎廣
6121新普
6122擎邦
6123上奇 
6125廣運
6126信音
6128上福
6131悠克
6138茂達
6139亞翔
6141柏承
6143振曜
6151晉倫
6155鈞寶
6158禾昌
6160欣技
6164華興
6166凌華
6168宏齊
6176瑞儀
6180橘子
6183關貿
6185幃翔
6188廣明
6192巨路
6194育富
6201亞弘電
6202盛群
6203海韻電 
6205詮欣
6207雷科
6213聯茂
6216居易
6224聚鼎
6227茂綸
6229研通
6230超眾
6239力成
6245立端
6247淇譽電
6251定穎
6257矽格
6261久元
6270倍微
6271同欣電
6274台燿
6277宏正
6278台表科
6285啟碁
6286立錡
6292迅德
6605帝寶
6609瀧澤科 
8008建興電
8016矽創
8021尖點
8024佑華
8032光菱
8039台虹
8042金山電
8043蜜望實
8046南電
8048德勝 
8050廣積
8054安國
8070長華
8072陞泰
8081致新
8083瑞穎
8091翔名
8096擎亞
8099大世科
8103瀚荃
8109博大
8131福懋科  
8163達方
8182加高
8201無敵
8210勤誠
8213志超
8234新漢
8240華宏
8249菱光
8255朋程
8287英格爾
8289泰藝電
8299群聯 
8374羅昇
8383千附
8917欣泰
8930青鋼
8931大汽電
8940新天地
9914美利達
9918欣天然
9919康那香
9921巨大
9926新海
9934成霖
9938百和
9939宏全
9941裕融
9944新麗
9945潤泰新

上述個股僅為初步篩選,並不代表小樂全部認同,2013年小樂倉儲股成分股異動將會另行公告!

小樂 發表在 痞客邦 留言(0) 人氣()

投資大師不能說的秘密:跟「巴菲特」學投資

這本書買了有一段時間了裡面闡釋了股神巴菲特的一些概念值得細讀!我也將就本書的內容逐章筆記,將巴老的觀念再複習加強!

本書篇章內容筆記:

第一篇 巴菲特的價值投資理論

第一章 價值投資,黃金量尺

價值投資本質:尋找價值與價格的差異 020

採用價值投資法的投資者會用買下整個企業的審慎態度來下單買股票!

投資者常常忽略價格與價值之間的差異!

從長期來看,公司股票的市場價值不可能遠超其內在價值增長率!

如果投資人利用價格和價值的差異,在價值被低估時買入股票,投資人將從中獲利!

價值投資基石:安全邊際 023

安全邊際是對投資者自身能力的有限性,股票市場的波動巨大的不確定性,公司發展的不確定性的一種預防和扣除!

格雷厄姆(或譯葛拉漢)告訴巴菲特的兩個最重要的投資原則:第一條規則:永遠不要虧損 第二條規則:永遠不要忘記第一條!

安全邊際能夠:一 降低投資風險 二 降低預測失誤風險

價值投資的三角:投資人、市場、公司 028

巴菲特說:評估一家企業的價值,部分是藝術,部分是科學!

價值投資成功的鐵三角:一 培養理性自制性格 二 正確看待市場波動 三 合理評估公司價值

巴菲特說:內在價值是一個非常重要的概念,他為評估投資和企業的相對吸引力提供了唯一的邏輯手段!

股市中的價值規律 032

投資者利用短期價格與價值的偏離,以低價買入目標股票,形成理想的安全邊際!

價格波動對真正的投資者只有一個重要的意義:當價格大幅下跌後,提供給投資者低價買入的機會;當價格大幅上漲後,提供給投資者高價賣出的機會!

市場價格經常偏離證券的實際價值;當這種偏離發生時,市場會出現自我糾正的趨勢!

價值投資能持續戰勝市場 037

巴菲特說:每個價值投資的投資業績都來自於利用企業股票市場價格與其內在價值之間的差異!

投資於低市盈率/低股價股利收入比率/低股價現金流比率股票,能夠取得超額投資利潤! 

影響價值投資的五因素 040

葛拉漢:價值投資是基於詳盡的分析,本金的安全和滿意的回報有保障的操作!

價值投資:用零點五美元的價格買入價值一美元的物品!

公司股票價值的五大因素:一 分紅派息比例 二 盈利能力 三 資產價值 四 市盈率(P/E) 五 安全邊際

安全邊際:股票價格低於資產內在價值的差距稱之!

股票年度回報率=(當年股息+年底收市價-年初收市價)/年初收市價*100%

個股回報率:(獲派股息+股票賣出收入-股票購入成本)/股票購入成本*100%

 

 

 


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活動目的:協助清寒學生培養閱讀興趣,本人提供<神龍大師之作文趣味寶典>一書30本免費贈送,贈完為止!

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    興農在今天董事會通過了幾項重大決議,包括轉投資及增加投資的部份,另外就是拋出要轉手興農牛職棒的震撼彈!(其實當股東的應該開心,因為職棒沒賺錢呀!)

投資部分如下:

通過增加投資興農澳洲公司澳幣一百萬元案。

通過增加投資興農印尼公司美金五十萬元案。

通過擬在人民幣100萬元範圍內於中國設立塑膠製品公司,以拓展塑膠製品於大陸市場銷售。

    基本上都是跟本業有關的投資(農藥/包材公司),布局大陸塑膠包材之外,亦增加澳洲及印尼之投資!

至於興農職業棒球隊則是尋求其他企業接手(就是說興農玩不下去了!)

看看以下新聞:

中職/興農牛慘澹經營 虧損近9千萬

【中央社╱台北22日電】2012.10.22 08:41 pm

中華職棒興農牛隊宣布無力經營,尋找其他企業接手,副領隊趙宏文表示,今年球隊虧損近9000萬元,導致母公司無法負擔。

趙宏文說,興農企業母公司在今天早上召開董事會,通過「停止經營球隊、尋找其他企業接手」的決議,本年度牛隊虧損達新台幣8000多萬,接近9000萬元,使母公司產生經營的無力感。

牛隊戰績不佳,連續2年戰績墊底,人氣大幅下滑,導致票房收益入不敷出,是這次球團決定轉手球隊主要因素之一。

以台中為主場的牛隊,從去年起主場觀眾人數下滑,平均每場只有2021人進場,遠低於中華職棒每場平均的2900多人;去年球季結束,牛隊公布虧損達6000萬元。

今年儘管觀眾人數回升,主場觀眾每場有2184人,不過連續2年戰績墊底,周邊收益縮水,今年虧損擴大,比去年多賠了近3000萬。

球團收入縮水,也導致球隊內部經營困難,牛隊連續2年採取「純本土」政策,不聘用外籍洋將,導致球隊陣容不如中華職棒其他3隊,成為各隊戰績「進補」的對象。

再看一下半年報損益狀況:

 2012興農半年報子公司損益  2012興農半年報子公司損益-2

    可以看到目前興農澳洲及興農印尼在半年報中仍認列虧損分別為17330千元及5234千元,而職棒部分則有286千元虧損!表面看好像澳洲印尼轉投資的部分也不理想,甚至虧損金額高於職棒的286千元!但就報導所說職棒部分的累積虧損已近9000萬,國內職棒觀眾人數銳減及球隊本身戰績不佳,興農棒球隊要賺錢真是難上加難!也因此母公司才會在董事會上決定要尋求接手企業!而澳洲和印尼的虧損畢竟還是屬於看好未來的布局,因此仍持續加碼投資!可以說是兩樣情呀!

    對於興農決定放棄職棒事業個人是偏多看待!畢竟處理掉不賺錢的事業對於股東及公司權益較為正面!雖然對於支持的球迷有些可惜,但是在商言商,母公司這個決定也是必然的結果!不過對於這支球隊,我們仍希望能有其他企業繼續經營,或許能跟現在的桃猿(la new熊)一樣找到另一片生機!


相關新聞:

牛只值千萬 興農拿不回5.5億

戰績票房都墊底 壓垮興農牛

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投資的奧義:5個簡易法則喚醒你的致富基因

    投資這件事,很難嗎?如果問一問大部分的投資人,或許他們會跟你頻頻點頭如搗蒜。但真是如此嗎?其實不然。《漫步華爾街》暢銷作者墨基爾以及《擺脫永遠的輸家》作者艾里士,兩大投資思想家聯合寫出了這樣的一本小書,告訴不管是初入門的投資新手或是已在市場上征戰數百回卻仍傷痕累累的投資客們,掌握了投資的奧義,幾個簡單的原則,是可以使人致富的!「以簡馭繁」,這是是我拜讀這本書後的感想!不禁感嘆如果早一點接觸這樣的一本書,或許我們自以為聰明,自以為可以勝過市場上其他對手的想法,就會收斂許多。

    以下摘錄博客來對其書的介紹:

    兩位舉世最偉大的投資思想家墨基爾與艾里士,集其才華合力催生了《投資的奧義》這本言簡意賅、一針見血探討投資與儲蓄的書,將現今風行、複雜炫目的投資濫調擱置一旁,巧妙地聚焦於投資的本質,提供一套簡單卻強而有力的思維,指點投資人避開市場先生(Mr. Market)及「輸家遊戲」(loser’s game),並學到「贏家遊戲」(winner’s game)的投資門道。

 

  全書篇幅雖短,但實則涵蓋成功投資人必備的所有投資法則及原理,並輔以明確建議,讀者將學到真正的投資之道。

    書中探究5大投資基本法則及相關投資秘訣:

  一切從儲蓄開始:省小錢、存大錢的秘訣

  指數型基金:遵照市場智慧更容易致富

  分散投資:人人皆知「別把雞蛋放在同一個籃子」的道理,但怎麼放最安全?

  避免犯錯:投資不犯錯,你就不會輸

  KISS投資法則:「簡單至上」的致富法

  墨基爾及艾里士的投資及研究經驗相加已長達100年,《投資的奧義》可謂兩人畢生投資心法之精華,並保證有效。只要讀者確實理解並遵循本書提倡的投資方法,自能踏上縱橫各類市場、獲得長期成功的致富之路。   

佳句摘錄

1.及早和固定存錢(小樂:有錢才能投資!)

2.利用你的雇主及美國政府的幫忙,大幅增加你的儲蓄。(小樂:台灣不適用)

3.預留一筆現金準備(小樂:天有不測風雲,慎防黑天鵝效應)

4.務必要有保險(小樂:台灣人保單特多!)

5.分散風險可減輕焦慮(小樂:找出分散風險的投資組合)

6.避開所有信用卡債(小樂:別當卡債族!)

7.別理市場的喧嘩與騷動(小樂:避免從眾效應)

8.運用低成本的指數基金(小樂:在台灣則可投資0050/0056)

9.聚焦於主要投資類別(聚焦於普通股/債券/房屋)

博客來購書連結:

http://www.books.com.tw/exep/assp.php/allenlinp/exep/prod/booksfile.php?item=0010480756

誠實利益聲明:點擊博客來購書網址購書可為本站帶來回饋獎金,支持本站繼續讀好書,寫好文!謝謝!

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        如果大家用小樂倉儲股的三項評價法,會發現好幾檔價值低估的個股都是跟航運或貨運股有關。這主要是因為全世界的經濟環境不佳,原物料及貨運需求下滑,以致於這些相關類股的公司獲利下滑,自然股價也就來到歷史的低檔區。

    以散裝航運股為例,如新興、裕民、四維航、台航等公司,半年報的獲利和以往的落差較大,股價也持續修正。但基本上只要公司仍然獲利,並熬過景氣的循環低落時期,相信隨著景氣反轉,獲利的空間也會很可觀!再以散裝貨運的龍頭公司裕民為例,在2006年BDI指數約在2000-4000的區間,裕民的股價則在30-40的區間,到了2007年BDI指數來到10000以上,股價也隨之攀升到最高123塊的水準!作為價值投資人,當航運類股來到歷史股價的低水位,不正是我們該貪婪的時候嗎?

BDI歷史走勢圖

bdi  

 散裝航運股2012上半年獲利概況

小樂倉儲股 產業別 股號 股名 股價 半年報盈餘 每股淨值 股價淨值比
055 航運 2605 新興 24.9 1.49 24.06 1.03
056 航運 2606 裕民 44.9 1.23 28.67 1.57
058 航運 2617 台航 24.3 0.9 21.99 1.11
084 航運 5608 四維航 24.9 1.31 20.96 1.19

 

航運類股 

裕民(2606)股價走勢圖

裕民  


近期新聞:

10/22

《航運股》比3年前造價省快一半,裕民買貨輪撿到大便宜

散裝航運股 營運順風

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IMG_0629IMG_0627  

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真希望我第一次買股票就知道這些事:

The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money

真希望我第一次買股票就知道這些事

目錄:

推薦序 把投資道理講得最透徹的一本書∕溫國信
推薦序 人,才是重點所在∕綠角
前言 如何確定這檔交易是明智的決定?

第一件事 第一次買股票就該記住……
照計畫走,別跟著變化走
好股票也會賠錢,問題在人
認清「求現」不是解決危機的辦法 

第二件事 追求最高報酬率,結果通常滿手套牢
找平衡,比找明牌重要
切勿依據基金排行榜排名買進
你是投資人,不是收藏家!

第三件事 所有的大師,分析都只準一兩次
個人理財的重點是「個人」
大師再出錯之前都是大師
「建議」就是:可以別照著做

第四件事 「錢」不是理財的最高目標
先決定人生目標,再理財
貪婪、恐懼,同一件事
理財時先做緊急的事?還是重要的事? 

第五件事 遍覽財經媒體,不會使你致富
看雜誌?哪一次讓你賺到?
研究你的標的,而非緊盯媒體
問自己這些根本問題(我真正看重的是什麼?多少錢才夠?)

第六件事 別做三年以上的理財規畫
理財顧問的規畫一定沒用
想長遠的結果,做短期的計畫
你該關注的事,只有兩項標準

第七件事 「了解」會幫你及時出場,「感覺」不會
隔夜測試你的投資組合
別被你的買進價格困住
要是錯了,我們能承擔嗎?

第八件事 聽別人建議而賠錢,你自己得負責
理財沒有「心想事成」這件事
你是省小錢、花大錢的人嗎?
理財決策不能只考慮錢

第九件事 學會談錢:從別說「我們買不起」開始
她在說什麼?你聽成什麼?
夫妻一定要談錢
錢的用途,也得談

第十件事 存錢選股的過程超無聊,只有結果讓你興奮
怎麼存錢,會變有錢
真正的致富秘訣:簡單、無聊
「慢慢賺、穩穩賺」,財經媒體沒興趣

結語 明智的投資計畫,絕非不犯錯

佳句摘錄:

吸收資訊,要慢

投資要照計畫走,別跟著變化走

趨吉避凶的天性,會害你賠錢

別把眼前的事,當作趨勢

按照排名買基金,結果會滿手套牢

大家一致看好的股票,離高點就不遠了

投資要根據你的原則,而不是對情勢的感覺

不要拿畢生的積蓄去驗證分析師的市場預測

投資股票的錢,不能動用到你的緊急基金

研究你的投資標的,而不是媒體

隨時看行情是接受噪音而非信號

看不懂經濟情勢時,記得:先關注你個人經濟,別擔心全球經濟

做投資決定時,我們最常犯的錯誤,就是困在某個價格出不來

當初用什麼價位買進,跟現在該做什麼,根本就沒有關係

成功理財的基本原則,就是存錢加上不做投機性的投資,然後一再重複同樣的過程

博客來購書位址:

http://www.books.com.tw/exep/assp.php/allenlinp/exep/prod/booksfile.php?item=0010556961

誠實利益聲明:點擊博客來購書網址購書可為本站帶來回饋獎金,支持本站繼續讀好書,寫好文!謝謝!

延伸閱讀:

小樂的生存之道:不要相信專家!

蝸牛大對於本書的內容也有精彩的回饋!

[讀書心得]真希望我第一次買股票就知道的事


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摘錄一下我詢問星風雪語大對於興農(1712)的看法:

問題一:興農負債比近年都高於50%,是否有營運上之風險?

問題二:興農旗下的楓康超市有機會成為集團獲利的小金雞嗎?

問題三:請問您對於興農/惠光/F-龍燈較看好哪一家呢?

有關負債比,很多投資人會認為負債比過高就代表公司營運風險偏高,其實這有點以偏概全了,畢竟資產負債表屬於靜態報表,但企業活動卻是動態的,以半年報為例,若是剛好是在6月30日借出款項因應營運所需或是因應營運備料產生應付帳款/票據,則當下半年報的負債比都會偏高,但這是否就代表營運風險偏高呢?倒不一定。當然評估負債比大致可從兩方面著手:(1)單純的銀行借款為負債(負債比29.72%)。(2)銀行借款加計應付帳款/票據為負債。(負債比37.03%)。 但負債比中的負債是可以”做”數字的,很多公司喜歡跟銀行要短期借款的額度(隨借隨還)用做資金調度使用,因為財報有截止時間,只要在會計師向銀行做帳戶確認的時間點以前,暫時性的讓借款消失或降低,隔天再借出即可,但因為其風險性較高,所以銀行也會開始去留意企業以短支長的狀況。講遠了,所以關於第1個問題,個人建議關心負債比時,應要關心企業的借款銀行的狀況,從揭露的資料裡,短期信用1.14~2.11%、抵押1.2368~2.45%;長期信用借款利率1.78~1.83%、抵押利率1.89%,都還算是銀行給優質企業的利率區間;另外能用兆豐銀行來籌組聯貸案,也可以稍微安心(但如果有一天聯貸由X新、安O、新X這類的銀行籌組時,就需要擔心了),但就需要去留意聯貸財務承諾及事項,畢竟違反可是會被大大扣分的,所以與其擔心負債比,如果這檔是長期投資股,留意貸款行的變化會更重要。最後,建議投資人多去看真正的財報(公開資訊網可以下載),會比看看盤軟體的財務資訊獲得更多有用的資訊喔^^~(但興農帳上現金及約當現金真少) ----------------------------------- 

楓康是有成為集團小金雞的條件, 同時興威、興泰的營運也還不錯,過去都可輪流貢獻約18%的獲利,今年楓康倒是有機會超過該2公司過去的貢獻。不過孫公司豐年流通團隊倒是更有興趣追蹤。 關於興農大陸的布局,主要為農藥跟包材,兩者其實都與其本業相關,應能很快收到效益,惟大陸設廠作生意不難,收款才是難題啊。東南亞的布局倒是值得觀察。 最後,興農、惠光及F-龍燈,興農、惠光基本上都不錯,F-龍燈不熟析,看到F開頭的,除了F-中租,因為過去有接觸過,對其營運模式還算認同,其他的資料都不足,所以就不評論了。星風雪語~

恩汎理財團隊部落格:http://symy04.pixnet.net/blog/post/36165760

補充:謝金河董事長今年8月也發表對於F-龍燈及興農的看法:

盈利成長與配息力成長成為選股的重要指標,最近農業股龍燈(4141)與興農(1712)都受矚目,但是八五元上市的龍燈,股價落在承銷價下面,有兩個缺點,一是龍燈營運基地在海外,季入帳不太穩定,Q1的EPS只有○.六一元;另一個是八十幾元的龍燈今年只配一元現金。

反觀股價只有龍燈六分之一的興農,今年首季EPS○.三二元是龍燈的二分之一,更難得的是興農已連續四年配出○.八元現金(○八年是○.七元現金,○.一元股票),且興農努力消除股本,從三六.四四億減到三三.三七億元,且興農連續四年EPS都在一元以上。從業績來看,興農Q2營收二二.○三億創歷史新高,六月八.○七億也創了歷史新高,這種基本面默默改變的力道不可忽視,有可能走出新格局。

原文網址:http://blog.money-link.com.tw/boss1/post.aspx?id=f0f1ccb7-9497-436b-af60-8498b4390a4e


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Rocket Man

A year ago, nobody knew Jeremy Lin from the Harvard kid in the next cubicle. But now, with a new NBA season about to start, it's proving time: can this soft-spoken boy wonder lead a franchise of his own? GQ joined Lin for his first trip back to New York since he was cast out of the Knicks' kingdom this summer and found out what he's got in store for...Linsanity: The Sequel

A 2012

For the first time since the team he expected to finish his career with decided it didn't want him around anymore, Jeremy Lin is back in New York City. After a long day of training, he meets his brother and sister-in-law (proud proprietors of "The Couch") for dinner in the West Village. And then barely thirty-six hours after arriving, it's time for Lin to bid farewell to the city all over again—hopping in a car with me so we can make the two-and-a-half-hour drive to Bristol, Connecticut, where he'll shoot a "This is SportsCenter" commercial (reserved only for the most pop-culturally transcendent athletes) in the morning.

Lin is already exhausted by the time we get on the West Side Highway, and he'll actually pass out on me before we successfully navigate the nightmarish traffic and drop him on ESPN's doorstep. But for now, he's just bummed to be leaving so soon. He misses New York, its people, its fans. "You can't ask for a city or a fan base to embrace somebody more than they embraced me," he says. "I know it's kind of silly to talk about it with only two years under my belt in the league, but going in before free agency, I was like, 'I want to play in front of these fans for the rest of my career.' I really did. I really wanted to play in front of the Madison Square Garden fans for the rest of my career, because they're just unbelievable."

On February 3, 2012, the New York Knicks lost to the Boston Celtics, 91–89. At one point, coach Mike D'Antoni put in his third-string, end-of-the-bench point guard, Jeremy Lin, to play six and a half minutes; he put up three shots and missed all three. It was the Knicks' eleventh loss in their last thirteen games. Exactly twelve days later, Lin was on the cover of Sports Illustrated. It was a stunning and immediate ascension to total global domination. (You knew Lin had arrived when he had to deny rumors he was dating a Kardashian.)

What must it have been like in the middle of all that? What must it have been like to go from being an afterthought, a nobody, to an international icon...in a week? "What the heck? That was my main thought: What the heck?" Lin says. "People are standing outside my brother's classroom [Lin's elder brother, Josh, is a dental student at NYU] and showing up outside my grandmother's house in Queens." The personal went global instantly, as well. That story about Lin sleeping on his brother's couch in the East Village? Not only was it true—the fact became so iconic that Lin planned to appear at the All-Star Weekend lying on a proxy couch that his teammate Iman Shumpert would hurdle during the Slam Dunk contest. Lin's sister-in-law (she's married to Josh) was startled to see it make the news cycle. "That's my couch! I picked out that couch!" she said, laughing. "Jeremy went from my husband's brother who stayed with us when he was in town to us having our furniture on ESPN."

At dinner the night before we met, Lin says, he had two separate waiters tell him how sad they were he was no longer a Knick, how they weren't sure they could follow the team anymore. (This latter sentiment, in particular, always takes him aback; the Knicks have been a New York pillar for decades, but he was only on the court for about a month.) I hope he enjoys those memories of New York, because he doesn't have much else to remember his time by. He turned in his jerseys to the Knicks; Lin says the only Linsanity memorabilia he has are some T-shirts people gave him along the way.

I ask him when he thinks he'll be back in New York again. His eyes are fixed out the window as the city flashes past him. "When we play here, I guess."

 

···

 

The thing that was most striking about Linsanity—the instantly iconic term that Lin admits still makes him uncomfortable (though that didn't stop him from trademarking it)—was that Lin immediately became the best player on the floor. A kid who had reached double figures only twice in his brief NBA career, and never with the Knicks, dropped thirty-eight on Kobe and the Lakers, twenty-eight on the defending-champion Mavericks, and twenty-seven on the road against the Raptors, including a last-second three-pointer to win the game the way we've all imagined in our driveways. It was as though he emerged, out of nowhere, as a fully formed superstar. This didn't make any sense, least of all to Lin. "I mean, to literally go from 'If I score two, three, or four points today, it's a good day' to setting the record for the most points scored in your first five starts of any NBA player," he says, still amazed. "I'd be a huge liar if I told myself, 'I knew I could do that.' You know what I mean? That's not realistic. Let's just be honest. I had no idea I could play like that. It was as amazing to me as it was to everybody else."

It was as thrilling a sports story as we'd seen in decades—the type of thing your grandmother calls to ask if you've heard about. Everyone knew Jeremy Lin, instantly. At its epicenter, MSG coalesced around Lin and rocked in a way it never has before. (Spike Lee, who would know as well as anyone, told me Linsanity was the loudest he'd ever heard the Garden.) Part of it was because he was such a sudden success; part of it was because he was playing in New York; part of it was because he was so unknown, such a breath of fresh air in a sports landscape often choked by hype and bluster; and part of it, of course, the largest factor, everybody (including Lin) admits, was that he was Asian-American. He became the symbol of the changing face of the world, now taking over a sport in which people like him were considered a joke.

He inspired fans in Asia even though he'd only been there a few times. When he took a trip to Taiwan and China this summer, he was so mobbed that he rarely left his hotel room. ("The first time I went to Taiwan, there were cameras, paparazzi, TV stations outside my hotel twenty-four hours a day nonstop." A video from the trip of Lin sneaking out in the middle of the night wearing a Hello Kitty costume went viral.) He's become an outsize figure in a country where he does not live or speak the language. "It's a unique thing that I have this platform and I can grow the game there," he says, "but honestly, I find it a bit scary."

Of course, being an out-of-nowhere Asian-American point guard had its downsides, and once Lin broke huge, a lot of the creeps came out of the woodwork. Incidents ranged from the ugly—that supposed accident when an ESPN editor used "Chink In The Armor" to headline a story about a Lin-Knicks loss—to the legitimately nasty, like when Fox Sports columnist Jason Whitlock, after Lin's historic win over the Lakers, tweeted, "Some lucky lady in NYC is gonna feel a couple inches of pain tonight." (That one is actually offensive on about four or five different levels.) At one point, I saw a sign at the Garden that said LIN YOU LONG TIME. Lin, who met with the apologetic ESPN editor, says he never really was upset by any of this. He'd seen it all before.

"In my younger days, it would make me really angry. I would just get really pissed," he says. "I think the comments in college were pure racism. Stuff that was said by opposing players, opposing fans, opposing coaches. So none of this was even close to that."

But one thing Lin agrees his race did cost him might be best described as, in the words of George W. Bush, the soft bigotry of low expectations. The key part of Lin's story, the reason the world was so inspired by him, was that he was never really given a chance. He was undrafted out of college and spent a year-plus in the Development League or at the very end of an NBA bench. "I'm going to be honest, playing in D-League games is tough," he says. "We got way more fans at Harvard games. It feels like a demotion, and it feels like if you have one bad game then the thought gets in your brain: I might get cut."

Lin felt this acutely. He tells me, to my shock, that when he graduated from Harvard in 2010 and wasn't selected in the NBA Draft, he decided that if it turned out that he needed to play overseas (as is commonplace for those who don't make the NBA), he was going to give himself one more year, and then he would quit and get a real job. "I absolutely would not have liked playing in Spain or somewhere like that, so I was just gonna do it a year," he says. "Then I was gonna be done." As a Harvard graduate, I ask him, what would you have done instead? He laughs. "I have no idea, man." Lin really was that close to hanging up his sneakers at 23.

You might think his race has something to do with those perceived limitations after turning pro; Lin certainly does: "If I can be honest, yes. It's not even close to the only reason, but it was definitely part of the reason." And it didn't end with Linsanity. "There's a lot of perceptions and stereotypes of Asian-Americans that are out there today, and the fact that I'm Asian-American makes it harder to believe, even crazier, more unexpected," he says. "I'm going to have to play well for a longer period of time for certain people to believe it, because I'm Asian. And that's just the reality of it." It's not all that dissimilar from what Yao Ming went through. "When Yao came out his rookie year as the first pick of the Draft, you have Charles Barkley saying, 'If he scores seventeen points in a game, I'm going to kiss a donkey's butt,' " Lin says. "If you do it for long enough, I think you would get the respect."

There is a notion lingering around the NBA, rarely spoken aloud, that Lin still hasn't proven it, still doesn't belong in the stratosphere of superstars, that he is some sort of fad. You can detect it when, say, former teammate Carmelo Anthony calls Lin's contract offer from Houston "ridiculous," or when J. R. Smith reportedly assures a room full of kids that he's going to kick Jeremy Lin's ass. But you can tell, most obviously, because he's not a Knick anymore.

 

···

 

We're well outside New York now, distant enough that I finally feel comfortable asking Lin what I most want to know: What in the hell happened? Heading into the off-season, Lin was a restricted free agent, which meant the Knicks could match any offer any other team made for his services. The Knicks, a perpetually floundering, dysfunctional franchise, are known for two things: losing and paying a ton of money for the privilege. Every opportunity the Knicks have had to waste cash, they have done so: Eddy Curry, Jerome James, the whole Isiah Thomas era, etc. So there was no reason to think Lin wouldn't be a Knick this season, even if it cost them more than they might've liked to spend. It was nuts to even theoretically plot out the circumstances in which they'd dump their new star. There weren't any. The Knicks had arguably the most marketable name in the league, not to mention fragile status as an older team desperately in need of guards and a player in his early twenties. But who are we kidding: They had Jeremy Lin, the most popular player in the NBA. A source told ESPN that the Knicks would match any offer for Lin "up to $1 billion." He would be a Knick forever.

Lin certainly thought so. Days after the NBA Finals ended, Lin had dinner in Los Angeles with teammates Tyson Chandler and Carmelo Anthony (pre–"ridiculous contract" remarks) and Knicks coach Mike Woodson. The point of the meeting was to ease concerns that Lin and Anthony, in particular, hadn't meshed together before Lin missed the end of the season with a knee injury. Woodson wanted to make sure all his players were on the same page. Lin's free-agency period was beginning in less than a week, but no one was too worried. "I walked away like, 'This is sweet.' I was thinking, 'I'm excited.' Before that dinner, I had reservations. Afterward I was like, 'Yeah, this is going to be good.' "

Knicks management, in fact, encouraged Lin and his reps to go out and get other offers, with the obvious assumption being that they would be matching, no worries. At first, Lin didn't get any offers. "They figured the Knicks were just going to match anyway, so there's no point," he said. "We couldn't get anybody. At one point in time I thought, 'Are we going to have zero contract offers?' "

But then, in early July, Lin headed to Houston, having been contacted by Rockets general manager Daryl Morey, widely considered the stat-head NBA equivalent of Moneyball maven Billy Beane. Morey had cut Lin before the start of last season but then watched Linsanity take flight and relished a chance to correct his mistake. ("He was deeply, deeply, overly apologetic about cutting me," Lin says, laughing.) So Morey offered Lin a three-year, $25 million contract that contained a "poison pill" in the third season, one that would balloon his salary to more than $14 million. The idea was, in part, to make the Knicks blanch at paying Lin that much, along with the astronomical league-imposed luxury tax on free-spending teams that would've come along with it.

But the Knicks have never balked at paying out big salaries, and no one, from Lin to Morey, thought the Knicks would do anything but match. "The Rockets thought I was going to be a Knick," Lin says. "They told me when I signed there, 'We think it's an 80 to 95 percent chance of that happening.' That was consistent with what everyone was saying to me." There was so much certainty that Lin would remain a Knick that his sister-in-law, who had been hired as Lin's business manager, left the country for a wedding. "We all knew he would be a Knick," she says. "I thought, What could happen?"

They found out Sunday, July 15. Lin, who says he hadn't talked with anyone from Knicks management since his free-agent period began, was online and clicked a headline: KNICKS LAND FELTON IN SIGN-AND-TRADE. In a stunning move, the Knicks acquired Raymond Felton—a portly point guard who had left the team in the Carmelo deal a year before—and sent the sports world a clear message. "Oh, my gosh," Lin remembers thinking. "That means I'm out."

By the time I meet with Lin in September, the Knicks still haven't made a public statement about the deal. (This is par for the course: Knicks owner James Dolan hasn't given an interview about the Knicks in more than five years.) There are plenty of theories, ranging from Anthony feeling Lin's game didn't work with his and pulling a power play to Dolan having a sudden, inexplicable urge to save money (or somehow resenting Lin for receiving that particular offer) to, well, the Knicks just being a broken organization. In one ridiculous salvo, ESPN's Stephen A. Smith wrote a piece that claimed, "Jeremy Lin has been all about the money since the day he burst onto Broadway." (Matching Houston's number, it's worth noting, would have made Lin only the fourth-highest-paid Knick, on average.) You can make a strong argument that Lin is better off without the Knicks' dysfunction, that the franchise never deserved him anyway. As a Knicks fan, it's not one I particularly enjoy making, but I think it's true.

Lin says he doesn't know more than a couple of people on the Rockets and that he doesn't "know much about Houston, I'm not going to lie." He confesses this with obvious sadness. His plan had been to be a Knick forever. Now that it's over, would he do anything differently? "I might have been a lot more reserved about everything in free agency," he says—the implication being that he wouldn't have sought out the offers. "But the thing about it is, there was no other way to handle the situation. I didn't get an offer from the Knicks, so I had to go test my market."

And so Lin is on the road again, looking for yet another new place to live and play. Only this time he's doing it as one of the most famous people on the planet.

 

···

 

Lin missed the last two months of this past season with a knee injury. Before the Knicks' first round Game 5 against the Heat, he said that his knee was at "85 percent." This was interpreted as 85 percent full-strength—not 85 percent of the way back to a place where he could compete—and he took criticism from reporters and fans for somehow not "gutting through" his injury. He says now he regrets ever putting a number on how ready he was and that the Knicks were encouraging him to stay out and protect his future anyway.

Much of his off-season was spent working out—and, frankly, getting huge. Because Lin is a modest-size guard and skinnier than most NBA players, there is a tendency to assume that he'll look like a regular guy in person. (There's surely a racial component to this, too.) He does not. Lin is a pretty solid, muscular dude—six feet three, 200 pounds. You would want him on your side in a fight. He doesn't carry himself that way at all, though. Almost every athlete I've ever spoken to walks, talks, and acts as if he is impervious to pain, failure, or any sort of human frailty. It comes with the territory: From an extremely young age, professional athletes have been the best in the room at doing something that everyone else in the room wants to do well. They have been told they can do no wrong, so by the time they're adults, they believe it. To succeed at the highest levels of competition, you almost have to think this way; you must believe you are Superman.

I say almost every athlete, because Lin isn't like this at all. You know all those criticisms people have about Lin? He has them himself.

"People are always saying, 'He's only started twenty-five games, there's so many uncertainties.' And I agree. I totally agree," he says. "I don't know how my next season's going to turn out. The things that I struggled with before last year, I'm going to struggle with next year—there's that learning process. Just because you have x amount of good games doesn't mean that you have drastically improved as a player. It just means that what you could do is finally being shown. But I have to get better."

The game that Lin still sees in his nightmares is the nationally televised February 23 showdown in Miami. It was the height of Linsanity, and the whole world was watching to see how Lin would fare against big bad LeBron and the Miami Heat. It didn't go well for Lin. He went one for eleven from the field with eight turnovers and was hounded by LeBron, Wade, and Bosh the whole contest. Lin, a guy who had been in the Development League just one month earlier, was the sole target of the entire defense of one of the most amazing collections of talent—the season's eventual champs—the NBA has ever seen. "It's flattering—and terrifying," he says. "It's flattering because it's like, Okay, they actually care. They actually know who I am and I'm on their scouting report, which never would have happened before. And then it's terrifying because they're really good...and it's so different for me to all of a sudden become the focal point of a team's defense. That's just uncharted territory for me. I felt like they were all like hawks circling me and staring. It was a learning experience."

The game was so memorable that President Obama used it as a metaphor for his strategy against Mitt Romney. "We're the Miami Heat, and he's Jeremy Lin," Obama reportedly told an aide. Obama meant that they were going to try to cut off every avenue Romney has to win, the same way the Heat did to Lin. "I wish it wasn't said," Lin says now. "It's also weird that the president knows who I am." (For the record, Lin hasn't spoken with Obama, but the coolest person he has met since Linsanity? Hillary Clinton. "She knew my name!")

As much as everyone was tracking Linsanity last year, the scrutiny will be more intense this season in Houston. Everyone is eager to see if Lin really is a fluke, if Linsanity was just a silly flash of fame, like Honey Boo Boo or professional hockey. If Lin thinks his life has changed now, just wait till he gets to Houston. "When we had Yao Ming and Tracy McGrady," Rockets GM Morey says, "those were our centerpieces. We were putting players around them that fit them. Right now we're really sort of figuring out who those foundational players will be. But if you had to ask me who's most likely to be that guy, I think Jeremy Lin's number one."

"I just need to focus on improvement on my end," Lin says. "I totally hear and agree with people who are like, 'He still has to learn. He's not established enough. He hasn't done it long enough.' I agree with them. I mean, obviously I don't always agree with everyone who says, 'He's at most a backup point guard,' things like that. I'm trying to find a balance. I'm not like the next Michael Jordan, but I'm also not what everyone saw me as before I started playing in the NBA, either."

This sort of uncertainty is refreshing. But it's also a little odd, because Lin has already shown his ability to raise his game. For all the self-effacement, one of the major criticisms heading into last season was that he didn't have a reliable outside shot. He spent the whole off-season working on it and, well, you saw the results.

When I ask him what he would want to say to anyone who believed in him last year, the people who made Linsanity happen, his response is surprising. "I think they changed my life dramatically," he says. "My life will never be the same—but I don't think I necessarily did that for anybody, you know? The impact on my life was greater than the impact I had on any of their lives. People are moved by my story, but they're only moved by my story because of what I do on the court." The trick, he says, is making sure he's able to be both his true self and the player fans need him to be. "Can I do that? I hope so. I think I can."

 

···

 

There's a school just down the street from the house where Lin's parents live, where he grew up, in Palo Alto, California. It has a modest, friendly little playground—just like the one by where you live. Lin and his friends have been playing pickup hoops there their entire lives. Wherever he was living, whether in Cambridge or Oakland or New York, that little stretch of suburbia was home. Basketball players, particularly those who've bounced from team to team the way Lin has, live a transient life—hotel to hotel, city to city, season to season; their lives are unmoored, lurching fogs. That court, that house, that's the only home base Lin has now.

Last May, after the Knicks lost to the Heat in the first round of the playoffs, Lin returned home to Palo Alto for the first time in months. He'd spent most of 2012 in anonymous hotel rooms on the road, in the W Hotel for home games, and, of course, on the couches of his brother and teammate Landry Fields. After a long season, he just wanted to get back to a place where he could unwind after one of the most overwhelming, surreal three-month stretches a human being could possibly experience. One afternoon he headed over to the old court with some of his old friends.

"At first I was like, 'This is gonna be fine,' " he says. "We played for a while, and it was cool. Then some people noticed us, and by the end of our first game, there's a crowd forming, everyone's taking pictures. We didn't even play a second game. I just walked home, like I always had, and they followed me. They all knew where I lived. I knew everything was going to be different, but I guess I never realized how different. I can't 'go home' and expect it to be, you know, home.

"My parents better not ever sell that house," Lin says. "I'll buy it if I have to."

Will Leitch is a contributing editor at New York magazine.

Jeremy Lin GQ

Jeremy Lin GQ

Jeremy Lin GQ

 

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【Money錢/撰文施禔盈】
.Money錢

經營之神王永慶曾經說過:「賺多少錢都不是你的錢,存下的每一塊錢才是你的錢。」大家都知道存錢很重要,偏偏存錢的速度總是追不上花錢的速度。這是怎麼一回事呢? 是賺得太少?還是你連錢花到哪兒去都搞不清楚呢?存錢,真有這麼難嗎?賺得少就無法存錢嗎?這倒也不一定,因為百萬年薪卻「月光」的人比比皆是。原因何在?如果總是歸咎於萬物皆漲、唯獨薪水不漲,卻不反省自己的消費模式、花錢習慣,那麼存錢將永遠與你無緣。其實存錢有方法,有人月薪4萬元,每月存下2萬元,生活照樣過得很有品質,並且因為養成存錢好習慣,縮短實現夢想的路途,反而讓生活充滿能量。股神巴菲特(Warren Buffett)就曾經說:「開始存錢並及早投資,是最值得養成的好習慣。」現在,就趕快先來養成存錢的好習慣吧!

1訂下明確的目標

有夢最美,能夠實現夢想更美。當目標明確,自然會有一股往前進的動力。因此立下存錢目標,並且最好這個目標與夢想有關,那麼,勇往直前的力量會大到讓你吃驚。假如你現在的夢想是到歐洲玩1個月,需要20萬元,就把這個夢想轉換成目標,開始往20萬元的存摺數字邁進。

為什麼訂定存錢目標這麼重要呢?很簡單,因為有目標就有存錢的理由。這就像一個人要去旅行一樣,總要先想好目的地,然後才會開始計畫如何到達目的地、要玩哪些景點。沒有目標的存錢容易半途而廢,就像沒有目的地的旅遊規畫一樣,可能過了1年半載,還是難以成行。

2.根據目標做執行計畫

旅遊訂好了目的地,接下來就是計畫如何到達?同樣的,有了存錢目標,便要做出「怎麼存」的規畫。例如每月薪水4萬元,簡單計算一下「必要」的生活開銷,包括房租、水電、三餐費用...如果算出必要花費有2萬元,那麼,就要嚴守「儲蓄先於消費」的習慣。也就是一拿到薪水,先把2萬元存起來,另外2萬元才做日常生活花費。這樣做的好處是,生活開銷會被限制在2萬元以內,「想要」的花用則會被捨棄,無法恣意消費。

3.善用銀行「自動存」機制 

「先儲蓄後消費」要把持住,而且要長久執行,最好的方法是把該存的錢鎖住,讓自己不方便取得,因為人終究受不住誘惑,如果沒有特別處理打算存的錢,那大概就存不住了,因為ATM很方便,到處都可以領錢,如果不小心花過頭,錢就會一張張被抽出來用囉!

所以最好的辦法是到銀行開立「零存整付」的定存帳戶,然後用薪水帳戶「自動」扣款,並將發薪日與扣款日訂在同一天,因為是定存帳戶,無法隨意動支,等同於強迫存錢。

4.勤記帳 掌握花錢流向

你知道自己一天花多少錢嗎?知道錢都花到哪嗎?這些都可以仰賴「記帳」釐清。有了清楚的消費清單,就可以做總檢查,檢視錢都流到哪去了,進而減少或避免掉不必要的花費。通常第1次檢查都會讓人很驚訝,你會發現有很多非必要的支出。記帳是過程,目的是要抓漏,尤其是對一些每月老是透支,大喊存不了錢的人來說,更有必要透過記帳來了解自己的消費狀況,然後再一一檢視哪些支出可以剔除。

5.買昂貴物品前先冷靜

很多人存不了錢的原因是消費過於「衝動」,見到漂亮衣服總是先買再說;限量的名牌包也是不買不行;看到身旁朋友都有的單眼相機,「一定要」的念頭怎麼樣也壓不下去,所以付諸行動也買一台。其實,漂亮衣服、限量名牌包、可以拍出不錯相片的單眼相機,有這麼需要嗎?衝動的購買慾望擁上心頭時,先給自己幾天時間冷靜一下吧!或者多想3次:我真的需要嗎?很多時候,你以為「一定要」的東西,也是可以「放下」的。

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求知若渴,虛懷若愚!賈伯斯留給我們這兩句雋永之語!投資之路也該是如此!

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786_825685_846599786_825782_441964786_825784_369788  

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火箭vs:馬刺107:116  戰績:2勝1負

林書豪本場表現:4分/1助攻/1抄截/1籃板/2失誤

精彩影音

 

 

小樂短評:豪哥本場表現不佳,十投僅一中,助攻也沒發揮,反倒替補後衛表現優於豪哥!不禁令人擔心呀!

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台北市某家餐廳

「小林,你來啦!」

「抱歉,阿豪,等很久了嗎?」

「不會,我也剛到沒多久。先坐吧!」

「恩!」

「對了,小林,你上次告訴我你每個月還能結存一些錢,這到底怎麼辦到的呀?有什麼『撇步』嗎?」阿豪流露出急切的眼神。

「其實最重要的是必須先了解你每個月所賺的錢到哪裡去了?也就是追蹤你的金錢流向!」小林道。

「那該怎麼做呢?」

「很簡單,那就是記帳!」

「記帳,那不是很麻煩嗎?」

「其實一開始我也這麼認為,但你一但習慣記帳後,就會更清楚自己金錢的流向,並了解那些地方可以再將錢省下來,讓自己的存款增加。」

「聽起來不錯!那記帳要像流水帳一樣每一筆金額都要列入計算嗎?」

「能夠這樣當然很好,但有可能我們記了幾天就感覺厭煩了!因此一開始你可以以一周的範圍記帳,固定每星期的某一天將一周開銷的發票或是刷卡單據整理起來,看看當周消費了多少金額。但沒有單據的消費就要先行記帳,以免遺漏。如此一來你一個月最多只要整理四到五次,感覺就不會太繁瑣。」

「那我要將整理的資料記在哪裡呢?」

「有幾種方式,第一種是傳統的紙本記帳,你可以買一本專門的記帳本來紀錄,但本子不要太大,最好可以隨身攜帶的那種。再來你也可以利用電腦的excel檔案記帳,另外由於目前智慧型手機上也有記帳專用的app,也是很方便的記帳工具。」

「恩,我懂了!看來記帳可以找出我的金錢流到何處,並幫助我了解那些消費其實是不必要的,這樣即使薪水不高,還是可以找出錢來存。」

「是啊!先透過記帳了解金錢流向,並進而協助我們達到節流的目的,這樣才能慢慢累積一筆資金。」

「小林,今天真是謝謝你呀!」

「哪裡,如果能夠幫到你我也很高興!」

「回去以後我就開始學習記帳吧!」

「哈,加油囉!」

「恩,我會努力擺脫月光族的命運!」

Tips

★學習記帳是了解金錢流向的不二法門

★記帳方式:傳統紙本記帳/excel電子檔案記帳/手機app記帳

★選出適合自己的記帳方式,讓記帳成為你生活的一部分!

★記帳資源:

富朋友理財筆記電子記帳本下載

http://blog.17rich.com/accounting-software.html

2012阿爾法電子記帳本 1.1 - 基督徒Excel記帳本

http://www.azofreeware.com/2010/01/2010.html

★記帳好文:

http://blog.17rich.com/category/money-school/how-to-record-account

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火箭vs黃蜂:95:75   熱身賽戰績:2勝0負

林書豪攻守表現

得分:9

助攻:7

抄截:2

失誤:2

精彩影音:豪哥妙傳助攻!

 

小樂講評:上場時間小增,表現較前一場佳!

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〈台股青紅燈〉證所稅開徵 大型股退位
自由時報 – 2012年10月12日 上午4:32
明年起證所稅即將開徵,8500點將是台股難以穿越的障礙,為了避免碰觸到這條紅線,大型股因為佔權值重,未來必將從主流角色退位,代之而起的將是不佔指數權重的中小型股。
財政部在週二公布證所稅施行細則,相信大多數人一定對於「設算扣繳」、「核實課稅」等名詞的內涵感到困惑,等真正搞懂時,台股恐怕都已下殺1000點了,花太多精神在研究證所稅的專有字眼,好像沒什麼實質效益,政府把一個稅法弄得如此複雜難懂,除了擾民與妨害市場發展,好像也看不到其它正面作用。
證所稅開徵當然不會增加國家稅收,財政部本週已預估,今年全年證交稅會短徵300億元,證所稅連一毛都還未課到,證交稅就先損失300億元,這是多麼荒唐離譜的政策,增稅目的尚未達成,卻先陷於稅收短少的窘境,更不用奢談要利用證所稅來達成社會公平正義,證所稅從頭到尾都是一場鬧劇。
惡法亦法,畢竟也是經過立法院三讀,雖然不爽也是要尊重它的規定,既然規定8500點以上才開徵,市場就自己會形成制約力量,克制指數不要超越此數值,像台積電、國泰金、台泥、中鋼等大型股佔指數權值重,這些大象股一漲會造成指數大漲,容易擦槍走火達到證所稅開徵的門檻,未來大型股恐將更牛皮化,漲也漲不動,中小型股將成市場主流,管它漲到天翻地覆,反正8500點以下不課稅。 (金貝貝)


小樂短評:如果大型股漲不動,若每年仍有配息,穩賺4-6%的殖利率也沒什麼不好!

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(2012-2013NBA賽季)

球隊戰績:1勝零負

火箭vs雷霆 107:105

個人表現:

熱身賽GAME 1

得分:3 助攻:6 抄截:3 失誤:3

精采好球:

 

 

小樂講評:豪哥首戰小試身手!失誤仍偏多!但助攻抄截仍有一定水準!

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