Investment Summary 2009

It has been a dramatic year, my portfolio raise from -21% in 2008 to 19% in 2009.
Besides HBC, I added GE, MFC and WFC, just want to pull down more the ratio of HBC to about 30-40%(currently 86%). In addition, I see myself putting most of the investment on financial sector, therefore I put JNJ and KFT into my watch list, should add more later.

Other than stock, I think I should consider widen my basic emergency fund. Budget is reducing due to the rise of my monthly spending(i love my new toy) and family pressure. Also want to add Roth IRA into my low risk investment. Half of my annual budget will probably gone for them.

How can I live good and not spending seems to become my biggest practice and concern in 2010. Cheers

變幻原是永恆

don't tell me about religions or god, the only eternity is change...

I will happy to see things around change to good side, cry out loud when change to bad side, and that's just life, it's moving forward...

but i'm sure i don't feel comfortable about rapid changes now, love you all...

Wants or Needs???

STEVE JOBS AT HOME IN 1982 — “This was a very typical time. I was single. All you needed was a cup of tea, a light, and your stereo, you know, and that’s what I had.” —Steve Jobs
Copy from Diana Walker: The Bigger Picture

I'm single, maybe all I need is really just a cup of tea, a light and my computer(come on!! it's 2009 now). I admit that I'm a minimalist, so maybe one day I invite you to my house warming party and you only see these 3 things. But who will come to my house warming party anyway??? I don't have friends.

玻璃樽內的可樂

可樂一直被玻璃樽蓋封著
隔著厚厚的玻璃, 可樂一直不能看清外面的世界
面貼著玻璃往外望, 矇矓中什麼也看不見, 可樂只感覺到從玻璃傳過來的冰冷

婉君將可樂樽從雪櫃中取出,拿給在後園剛完成加建工程的家明
家明: 謝謝, 有了造好的這個小涼亭, 我們以後可以飯後坐在這乘涼了
家明將樽蓋打開, 可樂從細小樽口, 看見了天空
可樂: 噢, 天空真美, 外面的世界一定很漂亮
可樂快樂地感受著太陽一刻的溫暖, 便被家明咕嚕咕嚕的喝進肚裡

家明: errrrrr....真爽
家明嘔出一大團胃氣, 是汽水的副作用
還冰冷的玻璃樽望著家明呼出的口氣, 彷彿看著可樂的靈魂, 飛向溫暖的太陽, 最後在大氣中慢慢消失...

月供股票 - 2009.08

匯豐8月買入價$82.76, 平均買入價變成$68.38, 匯豐好野...

美股方面,繼續買ge同mfc,都只係少量既貨,因為要顧及未來幾個月既開支...
九月同十月通常係股災月, 到時真係跌到心目中既價位,我相信我會落多注...

back to school 2009

Admitted by cal state fullerton for master degree of software engineering. I went to their orientation today.

Since it's a online program, people started forming team today, as we won't meet each other until next year. Our team members now has 5 people, 4 gals and 1 guy, i really feel like i'm back to the old days now...

我的心又驚,我的心又喜...school start on 8/24, let see how i can handle...

藍海策略

very interesting book. It defines a competitive market as bloody red ocean, which enterprises are fighting market share by low price strategy on their identical products. Company which wins in the red ocean has to pay heavy price such as company development. So, enterprise shall develops their new market where there is no competitor yet. There are lots of example on how enterprise can create their own blue ocean and secure its market through blue ocean strategy. One of the well known example is Nitendo wii...

I know I did a suck review, but for poeple who work on marketing field, this is a highly recommended book.

I'm a software engineer guy, why am i reading it....haha...

毓民議壇搞事錄

社民連主席黃毓民黎LA開talk, 我點能夠唔去...


今次想去當然因為有明星效應,而且想update下香港現時既政治情況.
毓民show中講左好多成立社民連既理念同未來發展, 令我對香港政治留下一絲希望, 能夠好似社民連三子咁真心為民眾爭取公義既政客,到底有幾多個呢. 請用知識,經驗,良知教好我地未來社會既棟樑, 我就唔想見到我既下一代只會忍氣吞聲,逆來順受,只顧及自己,終日行街唱k打psp,係鏡頭前閃閃縮縮,唔能夠光明正大既人...

難得既合照...

new ride

also struggled within prius, insight, but can't beat its cuteness.
Driving with the top down, let the wind blow on my head, be able to park anywhere, always carry a smile, how can i not love it...

bad mood

i start losing interest on religion studies...

do i need religion anyway? for social purpose? maybe...

facing the sunset...

7月完結,好似無乜開心事發生過, 唔開心既就接腫而來, 可能工作太多,總係令自己心情煩燥...
多謝朋友陪我影無聊日落...

月供股票 - 2009.07

匯豐7月買入價$61.38, 平均買入價變成$67.73, 終於上水啦...

美股方面,自己意志力不足,經常抱著會跌既心態, 令自己一啲都買唔到,十分羞愧...
投資組合已經變成正數, 7月既升幅令整體上升15%, 快得有啲令自己不敢相信, 基本因數不是沒有變嗎???

birth of new life

didn't really notice my house back door, until the baby birds born and make fair amount of noise when they are hungry...i guess i worked too much, did notice any little thing happen around myself.

love you all...

月供股票 - 2009.06

匯豐6月買入價$67.80, 平均買入價變成$68.15.

升浪令自己既投資與成本貼近, 但浪尾跟隨其後, 或會係較月尾時間入一d其他貨平衡風險...

Update: 6-22-09
趁著大市回落, 就的起心肝買入左共不超過$500既 GE 同 MFC, 小小地一注, 開始美股月供之路...

狂賀- 回復自由身

係2月經計算後, 發現如果將自身債務還清後先再投資, 會比兩樣同時進行虧損得更少, 再加上當時對股市既下跌變得有點驚慌, 投下既金錢未必係短時間上水, 所以就放棄於3月股市底部買貨, 轉向先還清債務...

事實證明我既睇法錯左,股市係3月底部反彈33%-50%, 自己本來想入既貨反彈更高達100%-250%. 只能心嘆自己技不如人, 未能係大家都慌亂期間冷靜面對...回正題, 債務本身就只有student loan, 餘額大概仲有70%,想將還款末期推至10月, 好等自己不至太窮, 但當餘額大概仲有40%時, 心諗就只有這麼一點點, 窮兩三個月不要緊吧, 就咁就還清晒...

自由身還真感覺良好...

毋忘六四

joined june 4th match and candle night...although it has been 20 years, my memory is still fresh.

Met 程真 in the event, she told us a lot of detail about the cause and what happened that night. it reinforces me to go for the match and candle night every year, until the gov admit their crime.



also met a girl who did filming on that day, what a stunting cut. click this link...Thank you Hydie.

月供股票 - 2009.05

匯豐買入$66.48, 加上08年第四季以股代息後, 平均買入價變成$68.17.

已經十分貼近現價, 好快就返到家鄉啦...

人性的弱點

好睇...
人性的弱點 - chinese version of "How to Win Friends and Influence People"...
From the chinese name, this book seems like trying to tell people where are the human weak points, so you can take advantage of it. But this book mainly talks about how to easier get people attention, make friends, and strategy to handle different kinds of person.

I wish I can read this book earlier, it shows a lot of examples on how we should handle people in different kind of situations, and I found out I made a lot of mistakes on last 27 years. After reading it, hope I can apply its theories on myself and really make use of it.

san deigo tour

Went to san deigo with church small group. Since we were taking tourist bus to san deigo, I expected not to have much time for me to take photos, so i only bring my DC f100fd with me...

Turns out the color and its 12MP are pretty good. The color is so rich, and 12MP is really good for chopping. DC is good enough, when people have a little skills. Carrying big dslr and run around may just turn a relaxing trip become torture.



Sweet talk with pastor wat after dinner. he is the most aggressive pastor i have met so far...haha...

月供股票 - 2009.04

匯豐買入$54.48, 加上供股後, 平均買入價變成$69.05.

因為匯豐比重會太大, 大概只會買到12月, 1月...

個市真係跌完???

am i...one of those???

copy from appledaily

謎面是：香港特色，猜一字。

好，現在開始「U猜─競估時段」，歡迎落盤，有殺冇賠，猜輸唔准喊。

好，夠鐘，time's up，brains down，別問我：「咁快?! 你玩晒啦！」係呀，我還在操控賽果o忝，我睇新聞學的，小朋友學東西很快的呀，尤其是超齡的小朋友，如我。

謎底是：濫，一字記之曰。濫者，over也、過份也。

不是寫濫吃濫用濫取濫造濫填海等常見現象，不是講濫吏贓官或者我們偉大的特區政府之各種濫笨濫鈍濫孝順爺爺等更常見現象，是想集中談談目下全港（甚至全球）的濫─ ─「濫拍」。


濫拍，拍照的拍，因為數碼化，不必怕浪費菲林，不必怕難於儲存，於是不必負責任。有事無端，死拍爛拍，雞毛蒜皮頭髮尾，芝麻綠豆螞蟻手，狗shxt垃圾影一餐。現世代人手一機甚至兩機，隨身相機加手機，手機又連相機，就手順手，死影爛影。

吃飯，一碟餸來，咪住！影張相先。誰都不准動不許吃，相機先吃！有時還要等一桌餸到齊，拍張全「菜」福琳瑯滿目才准吃，凍晒啦！別告訴我你沒有碰過這些「拍照強迫症」，由平民食店到頂級食肆，濫拍族無處不在，名副其影相多過食飯。不必是米芝蓮級才貌雙全性感撩人菜，千人一面油菜、例湯例水叉燒包、炸魚套餐A一律照單濫拍。拍照拍照拍照，餐餐飯都拍樣樣餸都拍，有拍錯冇放過。上上天下的blog和facebook，相片萬佛朝宗。

好吃點嗎？思覺失調嗎？不影相不知自己吃過什麼嗎？

濫拍成災，太無聊瑣碎，拍照被貶謫縮寫成不值一文不值一哂不值一眨的行為，於是相中的影像之重要性和價值也一落千丈。不必認真，隨便影隨便放隨便傳，放上網/電腦/手機隨便展覽埋嚟睇埋嚟揀，近乎神經質。生活相、家庭照、玉照、艷照、淫照、裸照發給人濫發唔使本，拍的輕率放的輕率，全人類集體輕率，亂七八奏影像噪音。照片的最小紀念意義都流水落花春去也。珍惜？唔識。

旅行，哇，唔影相仲成世界嘅。不拍照就沒去過旅行，拍照是旅遊的指定動作，唔做就死，做得不夠多就蝕，彷彿不夠戰利品、不夠到此一遊的證據。幾多人，全程去到那裏，眼睛都放在鏡頭後，拍照拍到忘了亞媽是誰，我懷疑他們有沒有第一身感受過相機viewfinder丁方畫面外風吹過睫毛、花香曳過鼻端的時刻，有沒有「親眼」看過那些人情風光 。

人們過度倚賴相機來看世界，濫拍而得為影而影的多不勝看影像，有幾多逃得過爛在冷宮過後無人問津的荒涼命運。

Susan Sontag 在《On Photography》說攝影 "is mainly a social rite, a defense against anxiety and a tool of power" 和 "a way of certifying experience"，又說去旅行拚命拍照，是工作後遺症令都市人在旅遊時一樣有「做咗嘢」和「有交代」的安全感。蒼涼過百年孤樹的人性悲哀。

相片，斷裂的影像在肢解現實的面貌，已經太瑣碎太言不及義，是生活真證據，也是生活假證供。

安全感夠多，就不必活過的情如物證，我寧可把生命時刻在腦中曝光，在心中沖印，在記憶硬盤永久貯存，有體溫有生命的，把它常保新鮮。別讓事情過了，記憶就涼。

===================================================

maybe next time i will put down the camera and just enjoy everything that given...

portfolio update

added tax and fee into account, calculated everything in USD, took me 3 hours to complete...

now the gain and loss can clearly stated, what's next?

月供股票 - 2009.03

買入$40.39, 平均買入價變成$88.10, 匯豐$28供股, 仲要12供5, 唔多唔少打亂左我既計劃.

已經决定左供, 但係就會搵機會停左月供佢, 因為匯豐比重會太大...

為分散風險, 已經物色左幾間穩健既公司, 係dow再跌破7000後侍機買入并以月供方式增持...

月供股票 - 2009.02

買入$59.90, 平均買入價變成$100.19, 少少心寒...

snapping around

 
 
 
 
 

初戀 + 絕症

2006年出既戲, 依家先有機會睇...



感覺YUI好有Avril Lavigne既味道, 多少少平凡, 少啲啲punk, 鍾意佢用力唱歌個樣, 開始喜歡她的歌了...

月供股票 - 2009.01

買入$74.81, 加少少以股代息, 平均買入價變成$106.34, 發揮compound interest既威力吧...

meeting the master again

first time using reala 100, and catching the hk night scene. light and shadow, I still have a lot to learn. Thanks tony.

meet the photographer buddy

love these people so much, always been helpful and informative, really helps me a lot on the knowledge of photography. we can talk and play about it all night long, thank you.