Thursday, September 29, 2016

簡单

銀行股在股市市值的变化,代表了什么呢?其实很簡单,就好像一个小孩跌倒了,受伤了只需要適当的治疗。它不是人家所説从老二变老三而不历害了。在股市中只要自己的价值沒有变而且增加了那管是老大或老二,也是很强。当然在資本主义里或功利时代那代表了失败。但敗者夠强也經得起风浪那又何必在乎一点点虚名呢!就好像您如果在落泊堆里你是第一名 你愿意嗎?最怕是有一种人,在排名里跌了还妄自菲薄找一大堆理由來做籍口那才可恥。

在這里有一个现像,小孩跌倒了 ,媒体会説她媽妈在玩手机。网站会罵别人的母亲,跟着下来一大堆的建议教人怎样教孩子。(其实可能他们只懂打字但生活所需全是他媽媽給的)。下来政治人物就会説警察没有办事。要設定調查委员会。一大群人出力去办一件沒有生产力的事,再下来就会說經濟不好,又开始㢟身另一件事。

其实很簡单,一个小孩跌倒受伤了就直接把她送去医院就医,故事就完了。復雜化一件事是不是大家都太闷了。不知大学課程里有没人硏究這种社会心理学。

其实很不簡单,美国总统候選人説要建一道牆把外來人擋下,只因为他自己为外來人沒水准但其实他忘了自己的国家是用一堆紙(美鈔)而換取世界各地的資源來生活。也用这紙换一大堆其他地方資源來創新 ,所以沒有世界農民耕耘和便宜的电技功就沒有了Google 和Facebook的Larry Page 和 Mark Zuckerberg 。最后可能他发觉那一道牆把資源都擋出去了。“自作孽不可活“。

当把事情復雜化可能是那東西太新或那件事从来没发生过,那可理解。就好像剛发明的飛机,电脑,电话和电视机等等。第一台是那么復雜也不好用。所以国家人民思想一定要有,你好,我将努力比你更好的科学家精神來生活。而不是你高我比你更高,或你賤我比你更賤,或为了出名而在网里説了或罵人而自己本来就是這样的人。你有一大推博士名銜或封賞我要比你更多的心態來生活。为這而不自在,值得嗎?

其实很簡单。人为生活所需而努力可能不能表達自己的能力,也不可能得到很多人的尊敬但那並可不恥,但得到的是幸福和满足。

其实很不簡单,最怕的是用了十八亿的錢而只賺到不夠一亿就乱説自己成功的公司。下来是不是需要一百个亿才能掙到一百万呢。它其实可以説,本公司用了十八亿已建立的十万个家給国人也包含了有一万个工作机会給国人,那不是更实在也更漂亮。所以我一路來从沒介绍过发展商公司的股票,也認为錢不应该这样賺的。

Wednesday, September 21, 2016

为什么?

关于選委会提议,看了几篇社論和政治人物的説法,不明白为何沒人提议另外的方法,还是說來說去我们怕輸。
各位大人物应该反省一下,为何怕?别族群不喜爱你只因为你只是很高級的,但永远達不到他们的基本要求。
這就好像高級照相机賣了几万台但再也賣不出去了。但自动的却永远有市场。因为人们去旅遊当然需要留下回忆。如果对焦不准而失去了記憶和留念的价值誰愿意付錢而自討苦吃呢?那管你如何高級永远是收藏品而不会令大衆喜爱的。
在为何,为什么之下?司马昭之心路人皆知。又何必說了一大堆而不去面对困难而改变呢?
Blackberry 就是高級平台但iPhone 却高級又实用。就好像他们推介时説你擁有iPod 就有了thousand songs in your pocket。拿了iPhone 就是电脑平台而可聯絡全世界也可做許多你認为值得記錄的照片。
在馬股里誰做了很多呢,只有Nestlé 而已,利用產品支持运动。其它不是不做而永远不到位,因为想到的是一定要立刻有利益。
Über 和Tesla 还在虧但誰不知總有一天你可能就要接受它,只因为'方便'和'公道'。
做產品千万不要強調你說的它很强,只需給人们知道這產品可幫你解决你的困难。那又何需請一大堆顧问呢?
所以沒有为什么只有为何。

Thursday, September 15, 2016

知不知道

当你还在公司里做30年前同一事时,领的薪水是当年的一倍时。其实已经overpaid。自己价值没了还不知道。所以怎样去衡量别人公司股价和价值。在最近几年几间有品牌名气的公司就这样消失了。Nokia & Olympus 就是例子。有誰知道誰是下一个呢?
所以可能你并不知道股价的起落是几时。但你会可能知下
一秒在自己身边所要发生的事。可能是痛苦的滋味或寂寞的滋味或思念一個人的滋味,也有可能是快乐和喜悦的滋味。
想一想当你去銀行借款时麻烦,美国的peer to peer lending club services 已经开始了。可靠嗎?不知但肯定是另一个金融改革已经开始了。銀行会消失嗎?不知但肯定的說金融业一定会减少人手的。
阿里巴巴的支付系统最主要的利益在于现金流。当你把錢放進时,您可能还没用到但支配者已经在你睡觉时在西方国家大買特買有价值的東西。所以区区的低佣金只是幫他们支付系统的費用。
Warrent buffet当初看中保險业就因为现金流加上时机也賭运非凡,沒有買上賠大本的公司。也可能现金充沛,買了又買總有几次買对了。不用短期頭疼沒錢用也不用看銀行的白臉。
說到底在未来你的工作能力可配合改变嗎?可能现在是明星但以后价值还在嗎?看一看以前明星运动员们的今天或以后,可能您会明白多一点。有些成功但多数已经沒落了。沒落是因为不肯改变跑道或不肯学习新的東西,还在妄想輝煌,下㘯就是可憐。
当然我本身沒資格去教人家怎样做但隠隠約約体会了一点点。所以不去計較工作的性質而在乎可不可以生话下去。


Tuesday, September 6, 2016

可怜的人必有可恨之处

Most of the people crazy about the award, actually you must try hard be civil servants, that is much more value then you gain a medal from Olympics game. Why? So, I suggested be a civil servant maybe you can apply a free home from government or at least can get lower interest rate, be a civil servant although you pay tax but actually the money you received that from tax collection. So, just work for discount if you earned high paid from government.

After a few weeks, we can see someone received offer a house but someone not even have although the medal is same color. As a same nation of Malaysian but received the awards is totally difference. State government proposed another type of scheme, central government also can't stop it. Is it we should have a foundation to collect all the donation or award to distributed it equally? I really do not know and not understand why unfair can be so obvious.  Maybe like a private company, difference company offer the difference salary to employee of the same position. Is it fair? Government always said we must set lower income for worker but how come not set a ceiling of salary to CEO and Directors. Maybe they said this will kick off talent. But if there is a talent, are they wanna accept be employee. Of course the answer is NO. 

Public listed company distribution of dividend maybe apply the fair system, all consistently paid at par and equally. If the salary of related parties of directors or major shareholders also can ask for approval, that is much more better.  Now, mother got salary, father got salary and house maid also got salary from listed company.
By the way, now market analysis become worst. Everyday assume AirAsia sell company can get special dividend or keep on talking about the FGV stocks but no one dare to criticized them  when the step/move is wrong.
Or maybe said Genting could produce a new medicine to cure some disease so the value of company must be higher, but finally the said product not meet the specific requirement then ask people sell. That is all speculating, somehow they still claimed they are long term investors. This all discourage innovation as well as forget the fundamental of the company. Speculating way hardly be classified is not good, but should not spread it out to public. Own risk own care about it, don't through it out to people to shared with you.
Now, value a company not even see how many contract had been awarded to them and also the contract is it awarded by related parties. And we should also value the high management's ability as well as their style of management. A dream created by brain, a dream support by ability, a dream support by strength of people, a dream support by hard working. 

The list of prize United States only offer around $25,000 for winning the gold, $15,000 for silver and $10,000 for Bronze  while Azerbaijan award $510,000 to the winner of gold,  $255,000 for silver and $130,000 for bronze.



Highest cash rewards paid by different national Olympic federations
NO#COUNTRYGOLDSILVERBRONZE
1SingaporeS$1 million (US $757,000)$370,000$189,000
2MalaysiaA solid gold bar worth (around $600,000)$300,000$150,000
3Azerbaijan$510,000 (shared by athlete and coach if any)$255,000$130,000
4Kazakhstan$250,000$150,000$75,000
5Thailand $314,000 (over 20 years period)
6Philippines $237,000 (over 20 years period)
7Kyrgyzstan$200,000
8Latvia$190,000
9Italy$189,800$95,000$50,000
10Uzbekistan$150,000
11Belarus$150,000
12Ukraine$150,000
13Russia$180,000$90,000$45,000
14Australia $126,000
15Tajikistan $63,000
16France$65,000
17China $31,400
18USA $25,000
19Germany $19,500
20IndiaRS 1 Crore ($150,000)$80,000$45,000
21BrazilAround $11,000 for every medal regardless of the color of medal (every memeber of Football team will get $100,000 for winning gold)
22SwedenNo cash prized for winning medals (Sweden Olympics committe supports athletes from 6 year old to all the way professional levels)
23United Kingdomno cash prized awarded by Britain’s Olympic Committee
OTHER COUNTRIESAlmost all the countries award cash prized to medalist in so