2008 financial summary

除月供股票除, 重買過少少人民幣, 令今年成績表無咁難睇...

現金: 48%, 股票: 52%, 錄得21%虧損...

back to hk 08 - 2

went to cheung chau in the morning new year eve.



i had my best egg tart ever over there, also learn some knowledge about cooking. cheung chau is such nice place to live, people are much nicer compare those who live in city. Hope we can meet again sooner.

back to hk 08 - 1

went back to hk 2 weeks for family & friends visit...



fun the take photos with all ex ob coworker. magic hour is still not something i can handle well, practice practice practice, learn a bit of flash rebound...

club-kelly farewell

sweet gal is going back to hk...



great food from preparer, as i don't usually have interest on food, this is an exception. always fun to play with these guys, although i didn't know kelly for long, and get to know more about her on farewell. I hope she can do well in hk, and come back visiting our group of monkeys.

眼紅

最近眼睛經常好早就要休息, 重布滿紅根, 心想近來工作真的令我身心疲倦...

看著小孩子的眼睛, 精靈又發光, 充滿無限既未來. 照著鏡子, 自己卻雙眼無神, 紅根布滿, 我唔想自己既小朋友都變成咁...

努力吧...守護我們的孩子...

月供股票 - 12月

每個月都以比上月更低既價錢月供, 今個月係$86.79.

我說不怕就一定是騙你的, 但止要keep著正現金流入, 月供還會繼續. 因為我相信海嘯結束後, 會瘋會係最早企返起身既一個...

Handel's Messiah Concert

helping church to take some pictures for this concert...



seriously, i didn't really listen to the concert. if I did, i don't think i can have any pictures to hand in. it is always nice to be an audience watching.

there was no doubt on the song singing, however, i feel something missing through the photos, no freaking nice dress? o-mouth face around? or lack of facial expression? I have no idea.

FECA christmas party

exercise on camera & flash 2 metering systems...detail object and slightly bright background to reduce hall effect on the photos.

http://nikonclspracticalguide.blogspot.com/2008/01/nikon-flash-two-separate-metering.html



so far i think this is the only church which can make me stay, warm and nice people, full of encouragement. I don't feel discomfort on helping these guys and really enjoying, however, different on believes sometimes make me feel we are in different group. Is it my job nature making me don't give trust on everything?

lifes goes on...

戊子年群星拱照抵抗金融海潚棕櫚泉感恩屬靈登高之旅

Indeed a really nice experience on snow photographing, and making friends...
f100fd was really over my expectation, interchange between d80 makes my trip much more easier...

下雨天

下雨天, 總伴著堵車...

唯有搵三奶出黎消消悶氣...

立妾

大婆一出場, 未見過佢既人都會被佢既氣勢震懾, 避而遠之...
帶二奶出黎見下世面, 每次佢總係要扭扭擰擰...
所以我帶左三奶返屋企, 以滿足我突如其來既慾望...



第一晚已經被我操到無力, haha...聽日再玩過...

被炸

教會朋友結婚, 自己唔係攝者團隊中, 可以舒舒服服咁食翅, 閑時影兩張, 一切隨心...


恭喜依對可愛既新人, 祝你地白頭到老, 永結同心, 連生貴子...

LA Auto Show

發奮一下, 星期五晚上就可以去睇車(女model)...

車係有, model圖欠奉...金融海嘯嗎...



覺得自己好神經刀, 另外自己同model既interaction要多加努力...

日出

慣左早起, 天未光, 就攀上屋頂, 影下日出...

月供股票 - 11月

會瘋買入價又跌至87.10新低, 跌到自己都有啲驚...
平均買入價跌至117.65, 賬面損入達30%. 數字上我已經跑嬴大市...

數字遊戲而已...

tuesday with morrie

This is not a long ass book, but took me 9 months to read, what a shame on me.


A story about a dying professor gives his last lesson to his favorite student(the writer i guess). Student visits his professor every tuesday to study about life. Meaningful and easy to read, better than reading bible proverbs.


係香港仲會係搭車既時候睇下書, 依家番到LA連車都要自己揸, 睇書時間幾乎係零, 所以依家開始左閱讀計劃, 每晚睏前睇下書, 等自己唔洗時時刻刻對著部腦, 學下其他野, 同為自己睇過既書做下記錄...

voting reason

there has been a lot of voice on california proposition 8 recently:

here is the info from wikipedia: http://en.wikipedia.org/wiki/California_Proposition_8_(2008)

Proposition 8 is an initiative state constitutional amendment on the 2008 California General Election ballot, titled Eliminates Right of Same-Sex Couples to Marry. If passed, the proposition would "change the California Constitution to eliminate the right of same-sex couples to marry in California." A new section would be added stating "only marriage between a man and a woman is valid or recognized in California."
The measure was originally submitted for the ballot by petitioners with the title "California Marriage Protection Act." The title and summary were revised by Attorney General Jerry Brown to more "accurately reflect the measure." The Superior Court of California ruled in favor of these changes, stating, "The title and summary is not false or misleading because it states that Proposition 8 would 'eliminate the right of same-sex couples to marry' in California. The California Supreme Court unequivocally held that same-sex couples have a constitutional right to marry under the California Constitution."

of cause there are also alot of discuss within peers:

t: why people are so against same sex marriage?
k: imagine q and her sis licking each other...
t: diu!
t: i can't stop laughing...

express yourself, vote on 11/4/2008...

月供股票 - 10月

今個月用左5月開始月供計劃以黎最低既買入價$109.66. 最終成本價被大幅拉低, 加上中期既dividend以股代息, 成本降至$123.87.

帳面既虧損正慢慢變大, 但眼見自己既401k比自己既表現更差, 自己既表現算係唔錯. 10月係傳統股災月, 但無論市況如何, 能夠調整心態先最重要, 因為自己對所投資既公司有信心, 就唔會唔理蝕幾多都賣出去. 其次就係要保著份工, 因為有工做先有現金流繼續投資.

依家已經計劃係下年1月開始投資美股, 因為唔需要成日麻煩身邊既人. 但最擔心既係要預備一筆錢下年買車, 到時支出變大得唔可能投資, 都係要好好計劃一下將來一年要點郁啲錢...

失落

心情欠佳, 放工唔想塞著車返屋企, 就走遠路上118遊車河...

看見依座野, 不禁攞起相機影...


最靚既景竟然要係freeway入口先可以影到, 可恨既modernization.

用智慧妝扮自己

轉自葉青霖個blog: http://hk.myblog.yahoo.com/alain-yip/article?mid=6952

曾經聽過一位女作家的訪問：「我們認為的弱點，也許將來是我們的優點。像我的長相很平凡，曾經有一段時間，我很自卑，每次跟班上女同學和別班的男同學出去玩，比較漂亮的女同學一回來就可以收到好多追求者的情書、電話，而我始終被冷落在一旁，沒有男孩子多看我一眼，更別說和我約會了。
我經常覺得孤單，只好在書裡面尋找安慰。不知不覺，我讀了很多的書，更沒想到我竟然成了一個作家。而有一位漂亮的同學，從來就不缺男孩子的追求，可是後來聽說她被人騙了，還不幸成了妓女……」。
在這樣一個物質豐盈的年代，我們會羡慕別人長得漂亮、英俊，會羡慕別人出生在富裕人家，會羡慕別人擁有名利和權位。覺得自己渺小，覺得自己是隻醜小鴨，幻想著自己能一夜之間變成富有、而且美麗的天鵝。
於是我們拚命賺錢之後，想讓自己變得漂亮一點、瘦一點，於是把大把大把的鈔票和時間，無怨無悔地奉獻給瘦身美容公司。我們學會了用各種外在條件，來虛張自己貧乏的內在聲勢。
我們不會羡慕寫得一手好詩，但沒有錢財的詩人；我們不會羡慕一個充滿愛心，卻穿著簡單的社工人員；我們不會羡慕一個懷有理想，卻一貧如洗的政治人物；我們也許會欽佩他們，卻不會想步上他們的後塵。
我們佩服那些有操守、有愛心、有美德的人，但還是渴望成為美麗、多金、有名的人。至於有沒有智慧學問？卻不是最重要的。
這位女作家讓我想起了好多了不起的人物，他們有著很大的先天弱點，後來反而因為這些弱點，迫使他們認真地思考生命，然後來個大逆轉，弱點成了他們的動力，反敗為勝。
拍電影「美麗人生」而得獎的義大利導演貝里尼，在奧斯卡頒獎典禮上致詞：「我要感謝我的父母，因為他們給了我一個貧窮的童年。」
我被他的話深深感動。是啊！我們會感謝別人幫助我們成功，感謝老天爺讓我們抽中彩券，卻不會感謝上天給我們困境。
像這樣的證據，到處都有。那位女作家若不是握了一張不怎麼好的牌，她不會那麼努力去讀書，充實自己；她若是生了一副美麗的臉龐，約會都來不及了，哪有時間去之乎者也？
當然，不是每個不漂亮的人都會用功充實自己，而每個美女都沒腦袋；還是要看有沒有機會想通這一層，能用智慧來妝扮自己。
握有好牌的人，不一定是永遠的贏家；
拿到爛牌的人，往往可以反敗為勝。


真的為我要行既道路打左支強心針...

月供股票 - 9月

每次買入價都比成本價低, 令成本慢慢下降.
今次以成本$124.03買入, 會瘋股價仲企得好硬, 令跌市中我仲可以好安心...

雷曼玩完, AIG又廢左武功, 相信大家信心大減, what's next...

酸

家明同婉君是青梅竹馬, 關係親得外人看見以為是夫妻.
家明風流倜儻, 到處留情. 婉君卻深深暗戀著家明, 大小事都為他打算...

一日, 家明又與婉君逛街既時候, 在街上搭訕漂亮女子,

每次家明看見婉君板著口面的時侯, 都會面露歉意, 討回婉君歡笑, 婉君亦很易心軟, 原諒家明.
但實在太多次了, 婉君今次真的發怒, 雖然這次家明多番道歉, 但她沒有像從前般原諒家明, 反而眼淚汪汪, 向家明質問.

婉君: 你到底當我是你甚麼人, 只是朋友嗎? 我好喜歡你啊...

家明被這突然的一句話嚇得不知所措, 只好以笑摭醜,
家明: 嘻嘻, 我是沒有腳的小鳥, 喜歡上我沒有好結果啦...
婉君: 蠢材...

婉君哭著跑出馬路, 一心只是想離開這地方...
但是她未看見一輛貨車, 正用足以令她粉身碎骨的速度迎面而來, 當她發現的時候, 已經太遲了.
快要撞到的時候, 忽然有人用力將她推開, 令她幸免於難.
婉君回望, 見那人敞在血泊之中, 那人正是家明, 他為婉君擋下了貨車.

婉君瘋了般跑到家明身邊, 抱起他的頭, 看見家明口正吐著血, 她更崩潰般對家明嚷著對不起.
意識糢糊的家明醒來, 對著婉君用盡力說出最後一句.

家明: 對不起, 其實...我也...愛你...

一句"愛你"後, 陰陽相隔...

到此一遊

Went to getty center because bro wants extra credit for his class, therefore, I went with him to do some practice...

beach party

Holga 135, fujifilm superia 400

Huntington beach


仲未捉摸到...有待一番研究...

月供股票 - 8月

會瘋買入價$128.43, 平均買入價變成$128.51, 少蝕...

What is your dream...

Received a youtube link not long ago, it's about Randy Pausch's Last Lecture: Achieving Your Childhood Dreams.

Haven't thought of dreams for quite awhile, a word "Dream" was probably out of my mind since I graduated. I believe I have been working for money since that time. When I thought of dreams, i can't even feed myself and my family was first thing that comes into my mind, why talks about dreams. Feels like dreams will most likely being swept by reality.

Reaching dream is hard, enabling other's dream is even harder. Prof. Pausch really showed me some light for the way.



Thank you Prof. Pausch, and RIP...

jury duty

Became a US citizen, I was summoned for jury service today.Certainly not fun, I have to put down my work and go to the craziest place in Los Angeles - downtown, absolutely no good feeling about it, and thus, my company only give me 3 days paid leave for jury duty, I already have something decided in my mind.

Lunch time, there is no food court in the court house, instead I have to talk 10 mins to reach the closest food court near court house. Therefore I walk of the court house, I saw a group of african american standing outside the entrance, they were contesting something. I was hungry so I just walk pass through them and tried to ignore them, then one of them yelled at me.

AA: hey! kid...
tc: (Kid???)
AA: it's fxxked up man, it's just fxxk up...
tc: (you think i'm a kid and you talked to me like this?)
AA: (shout) NO CRIMINAL, NO JUSTICE...
tc(walk even faster): (wtf are you talking about)...

back from lunch, used side door to keep away from being flirted. A small nap in the hallway to avoid myself falling asleep in the court. At the end, the judge didn't pick me and i thought i was free to go. I must sit in another jury room to wait until they call for the day, suck...

on the way home, i was lost in downtown by making a wrong turn, as usual and expected.

food bang

Served at L.A. Regional Food Bank, WE really showed the power of united people.
Always feel great after serving the communities, not because we were having fun when serving, but we are doing something which can make other people smile, showing care on people who got cared less. What else can exchange a smile???

月供股票 - 7月

會瘋買入價$118.55, 平均買入價跌至$128.53...hoho
unexpected cash dividend, almost able to get 1 share...will see what happen 3 months later...

July 4th retreat

My happiest, enjoyable and fulfilled Independence day ever...Thank you!!!

Letter from Malawi

Manuel is a 7-year-old child from Malawi, I'm currently funding him through worldvision.

I just got a letter from him, although it's not written by him. I feel happy about it, glad to see him grow up. I wish he can study, and study well. I hope one day I can get a letter which is written by him, what kind of pencils and books should I send him?

月供股票

上個月開始月供會瘋, 今個月係第二期, 連所有費用買入價係126.41, 比上個月買入價135.37要低. 令買入成本減低至132.25, 成本平均法開始生效啦...

一家團聚

爸爸黎左LA兩星期, 做仔既點可以唔陪佢, 對上一次一家團聚已經係兩年幾前既事...

難得既一張全家幅, 下次再影又要等到幾時. 在香港一人生活既爸爸, 總是令人擔心, 你能過黎LA依邊, 譲我幫你分擔一點嗎???

不想記起，未敢忘記

我們也是愛國的...

I'm David Cook

wuff...wuff!!! It's here...


Bought this from Amazon, $59.99 - $20.00 giftcard = $39.99....wohoho
Really great deal, thanks for bro's giftcard...


I'm David Cook now....haha

初試正片

係Yosemite影既digital相大致完成, 剩下就係要曬左筒velvia 100F, 曬正片自己未試過曬, 以為度度一樣, 點知正負片沖曬係有分別既, 兩種菲林用唔同既chemical去沖, 負片用C-41, 正片用E-6, 市面上大多的都係沖負片既舖頭, 正片通常要到photo lab沖, 但walmart有得代辨. 之前以經知道可以玩正片負沖, 但係第一次沖正片, 重要係旅行相, 都係正正經經沖好佢交貨...

用菲林既樂趣之一, 可能係試下唔同曬相舖, 因為淨係搵photo lab都搵左我一日, 最後搵左間近CSUN既去曬, E-6加scan片, 埋單$25, 好和味, 心諗筒菲林$6, 加埋揸車去既油錢, $36走唔甩, 真係去到一張相$1, 他媽的真貴啊, 心諗不如自己買個film scanner返黎慢慢scan可能重平...無論點都好, 星期五就可以攞, 十分期待...

Yosemite national park

I had planned to go Yosemite National Park for awhile, luckily roseate was raising the flag a day to gather people to come. About a month of planning and wrestling, we decided to go on memorial day weekend.

Whole trip was quite screwed by the rain. On our first day, we did not know we have to drive so far (2 hours from park entrance, it was 4:30pm)to reach visitor center until we got the map of the park, so we just pool over our van and hi-bye our mother nature. Therefore, we drove back to town and went to watch movie "narnia 2". End if day 1. Day 2 wasn't so good neither, we said hi to waterfalls, enjoy the spectacular view of mirror lake with the rain =.=, barbecue under the shower, and said bye with the park before sunset, everyone was tired because of the constant shower, End of day 2. Day 3, breakfast in macdonald, and end our yosemite trip....

熱情的沙漠

成個weekend氣溫有38-40度, 成個人有溶緊既感覺, 依度真係一個沙漠...

星期五請左半日假參加綿既畢業禮, 又多一個master friend, 叫到自己還要加把勁. usc都唔一個自己太鐘意既地方, 再加上熱到飛起, 舉起相機既衝動自然欠奉, 都係俾人影下相, 自己玩下DS好過. 太陽照正頭蓋骨, 係無反光板情況下(wishlist items + 1), 只有用閃燈補補光, -1.3ev個人先無咁爆, 但係人面因為閃燈變得唔自然, 原因何在, 點先解決到似個問題, 研究研究. 暫時只能交行貨...

星期六, 到左pasadena既lacy park影眾人既畢業相, 環境唔錯, 陽光充足, 靚草靚樹, 活潑model, 獨欠cpl(wishlist item + 1). 有番d風同樹蔭, 影得無咁辛苦, 興致就番黎, hehehaha左一個下午, 老土既沙龍照, 睇到自己都忍唔著笑...

朋友分隔多地, 一切還好嗎?
  難得相聚, 下次再見又是何時?
    發生任何事, 我都會在遠方支持...

奉公守法

電話響起...
婉君拎起電話, 係友人A搵家明.

婉君: 友人A搵你...
家明: 你幫我聽著先啦...
婉君: 點解?
家明: 揸車傾電話犯法嫁...
婉君同友人A講: ...佢依家揸緊車傾唔到電話喎...
友人A: 你地去緊邊?
婉君: 係屋企hae...
友人A: 係屋企? 唔係揸緊車咩?
婉君: Mario Kart...要join嗎?
友人A: ...

one step into full film

繼12月買左支180/2.8後, 4月又係ebay bid左部FM2n, 全手動機械機, no battery required...

人地問我依家已經係數碼時代, 點解重要走番轉頭用菲林機??? 我相信菲林同數碼係可以并存既, 兩者不可取締. 數碼相機有既係方便快捷, 可以有take two, 但係對於我黎講, 就總係缺少左份活生生既感覺, 係依方面菲林就俾到我, 可能因為d相可以揸上手既關係卦. 每次用部D80影完, 睇過就算, 重來唔會曬出黎. 依家用菲林, 影完無得review, 影完一筒菲林後都已經唔記得自己影過d乜, 攞去曬完, 拆開袋相既緊張心情, 揸著副相既實在感, 唔知自己影過d乜既果種驚喜, 與家人/朋友揸著疊相慢慢睇, 一齊傻笑, 張相片一張張放入相簿既滿足, 依d都係數碼機俾唔到既...

FM2, I love you...

月供股票

今日終於為實踐自己投資計畫踏出第一步 - 月供股票.

月供投資計劃，讓您以每月供款方式建立投資組合；更可藉定額投資，享受較低平均購入價，兼享股市上升帶來的潛在增值。
特點

* 投資不需巨款
每月只需供款1,000元，即可購買指定的上市股票及基金。
* 減低市場波動的影響
透過「成本平均法」，您可以貼近投資期內的平均價購入心水股票，而毋須擔心市場波動。

對於我依d無乜家底, 無時間去做research, 又唔想take risk既人, 的確係一個好好既儲錢方法. 每月有一日會攞一筆你set定左既錢去買你既投資組合, 隨時加減碼, 咁就可以迫自己每個月預依筆錢去儲.

首次投資, 都係買返隻穩健d好, 自己首選會瘋, 每年連股息8%以上既回報率, 已經高過通脹, 好過放係銀行做定期, 再做埋以股代息, 股息就會有每年8%既回報率, compound interest既威力唔需要懷疑, 9年內價值就能升一倍, 再加上每月供股, 3,40年後可以想像下變成點.

因為compound interest, 出黎搵錢後用儲落既錢投資的確好重要, 今次做既係超長線投資, 就寫係度提醒自己, 唔好半途而廢, 謝絕一切炒賣, 為自己踏出第一步, 做到財務自由, 早d退休...

update一下

已有一段時間停寫左xanga, 我重可唔可以繼續寫落去...

先update一下近況, 近個月黎心情總係普通至低落. 媽番左香港玩, 食飯方面就變得麻煩, 還好情況不壞.

因為個人無乜休息, 番工係freeway就到公司時, 可能睡著, 就撞車了, 人無事, 車仲行得, 算係好彩仲有d狗屎運, 只係車門同軚軨要換, 再加保險公司送上無盡既煩惱. 最唔開心既係因為撞既係細佬既車, 自己就講句對唔住都唔敢, 雖然無俾人話, 細佬更安慰自己, 但自己心裡總不是味兒...有諗過搬到近公司既地方住, 奈何財政上唔容許, 似乎無咩野我可以做既, 繼續既揸車, 繼續既將時間放係communte上...

近來身邊朋友一個一個咁番香港, 朋友好似越黎越少, 番左church一斷日子, 識到好多人, 算係一件好事. 唔知自己有冇做錯, 感覺自己好似利用左教會, 利用左神, 雖然無害無惡意, 但係感覺就係有點不對. 經常記番起Gus既一番話, 我依個自認為清醒既頭腦, 開始有d裂痕嗎? 好多rm -rf撞埋黎...

穌光一照, 開始學用ps, 卒走左d電話線同天線, 路還很長...

新年過後...

不太想面對工作, 手頭上既工作一波三折, 好似未曾順利過, 係我能力太低嗎???

weekend有storm, 不停落雨, 心情并無變差, 只係多左份擔心:
1) 細佬車條士啤呔換左未...
2) 大家出入會否平安...
3) north cal大雨到停電, 希望只係造成不便.
4) 將呔調轉裝果條臭飛*, 唔知佢會唔會發生意外...

* 兩個月前到車行換機油, 條柒到喊既臭飛到車行投訴有野整唔好, 我經過望一望駕柒到喊既bmw... huh? 尾呔呔紋調轉哂既??? 立即暗地裡恥笑...識車既人都會知呔紋係濕地係用黎排出係地面與呔面之間既水, 如果將車呔拎轉安裝, 會相反推更多水到地面與呔面之間, 令車呔抓唔到地, 形成打滑...正當我想通知佢依個可悲既事實, 令佢不至於發生意外影響其他人既時候, 佢就將車開走左, 好可惜, 可能我講少左一句就失去阻止意外發生既機會, 所以每次落雨時都令我醒起佢...

新屎坑...

舊屎坑過去...

2007係估你唔到既一年...
走黎走去, 又番左黎;
賣左愛驅;
開始了投資(機);
入左泥坑, 真係萬劫不復, 但認識到同好既感覺真好;
知道同事係可以做朋友, how amazing;
閃電搵到工, 多得好友相助;
很多事都睇得好化, 係好事定壞事;

除夕夜, 撞番好多自己連名都唔記得既人, 感覺似playback, 你又想話啲咩野俾我知...
倒數都無做到, 因為估唔到已經夠鐘...

新屎坑來臨...

希望唔係掙香三日, 香足一年吧...
希望一切安好, 身體健康, 包括你, 你, 你同你...