tag:blogger.com,1999:blog-64724923271023025572024-03-18T11:03:30.721+08:00亂博談論經濟、地產的部落格亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.comBlogger931125tag:blogger.com,1999:blog-6472492327102302557.post-68846729050665868452024-03-14T18:01:00.001+08:002024-03-14T18:29:13.213+08:00票房毒藥<p dir="ltr" id="docs-internal-guid-bd63d4f6-7fff-6b88-bc74-80d0997ce189" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" id="docs-internal-guid-bd63d4f6-7fff-6b88-bc74-80d0997ce189" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" id="docs-internal-guid-bd63d4f6-7fff-6b88-bc74-80d0997ce189" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" id="docs-internal-guid-bd63d4f6-7fff-6b88-bc74-80d0997ce189" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><img id="id_3157_8634_f0a8_f708" src="https://lh3.googleusercontent.com/d/1LQI1jcqwVDV-DX27eDdwlidXcAkFJKiH" alt="" title="" tooltip="" style="width: 184px; height: auto;"><br><br><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">比特幣價格升至73,000美元一枚,作為加密貨幣早期投資者,是應該發文講幾句。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">近日很多人都在問怎樣買比特幣,我本來還在努力寫下一本書,忽然覺得我在寫垃圾,再回看過去十年,對!原來,寫比特幣、以太坊及其他加密貨幣已經寫了十年,在blogspot 寫第一篇加密貨幣的革命是在2014年8月20日,這十年來,每次出文分析加密貨幣的技術背景,都是票房毒藥。然後,我還是回到談論樓市、經濟、投資,不至於將讀者全都趕走。對!由2014年至2024年的今天,無論牛市抑或淡市,講加密貨幣的技術都仍然是票房毒藥文章!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">比特幣價格創新高的時候引起公眾嘩然,比特幣價格插水,便是龐氏騙局、鬱金香、輸身家、價值是零….由 FOMO (Fear of missing out) 到 FUD (Fear,Uncertainty, Doubt) 週而復始。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">這些情景,在我的blog裏都不知講了多少遍:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2014年8月20日:</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">「自去年底比特幣升至兌1,132美元,比特幣曾經一度引起很多關注和爭議….」</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2015年11月14日:</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">近日比特幣再次成為外國媒體的焦點,價格本來已較為平隱於280至300美元水平徘徊,忽然在短短數日內由10月28日的300美元急升至11月4日的500美元.......金融時報不忘插比特幣一腳,隨後指出,比特幣也有龐氏騙局特徵,理由是它的供應受限制,越早買入比特幣的人越賺得多</span><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">….」</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2017年12月28日</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">比特幣近日價格插水,由高峰19,000美元一枚曾經跌至13,000美元,跌幅超過30%,,今天又回升至約15,000美元之上,比特幣波動大,筆者早已講過,受不了心理壓力便不要高位追買,亦指出為何不要買掘礦合約</span><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">….」</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2018年1月25日</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">「近日比特幣成為茶餘飯後的話題⋯⋯」</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2020年11月24日</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">「最近比特幣升穿18000美元,距離上次歷史高位大概只約10%,引起關注,最近有讀者問比特幣大升的原因,其實比特幣由年頭約7000美元水平上升至現在才只是約150%,由三月陷世界大跌市的低位5180美元計,升幅約260%.....」</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2021</span><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">年10月5日 (</span><span style="font-size: 12pt; font-family: Arial; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">比特幣價格升穿49000美元)</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Roboto, sans-serif; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">當時被人鬧我在宣傳Crypto,我在Youtube題為[ </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">外星人講外星話]中</span><span style="font-size: 12pt; font-family: Roboto, sans-serif; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">指出: 「投資角度看crypto只是低層次,crypto is not just about investment, it's about disruption and innovation….. 」</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> 1個月後即2021年11月10日升至 68,000美元</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">曾經,當我一開口講crypto, 便有人會話:「你是信徒?」我很不喜歡人話我係信徒,簡直反感,但今天回看我這十年有關加密貨幣的文章,也不得不承認…原來….. 我真的是一個信徒,否則也不會經常被質疑想宣傳、想派貨,想開班.....仍然堅持寫一個...無論升市或者跌市都無人想了解的背後技術。但如果不去了解背後技術,你究竟知不知道自己在投資什麼?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><font face="Arial"><span style="white-space: pre-wrap;"><font size="4">記得曾經在一篇文章寫到:「比特幣的風險,是那些不求甚解的人衝入巿」,好似係咁講,但唔記得哪一篇文章講過!</font></span></font></p><font size="4"><br style="-webkit-text-size-adjust: auto;"></font><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><font size="4">或者</font></span><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">,</span><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><font size="4">堅持寫的最大好處是記錄下來我在每段升跌浪的感覺和回憶。</font></span></p><div><br></div><div><br></div><br style="-webkit-text-size-adjust: auto;"><font size="4">我認為是好的分享:</font><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2024/01/blog-post.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">每一小步都是成就</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2024年1</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">月12日)</span></h3><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><br></h3><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2023/04/2-proof-of-stake-pos-staking.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">中心化與去中心化 (2) - 加密貨幣的權益證明 Proof of Stake (POS) 和 Staking 的去中心化大解構</span></a><span style="font-size: 13.5pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); background-color: rgb(255, 255, 255); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2023年4</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">月29日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2023/04/1-pow.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">中心化與去中心化 (1) - 工作量證明共識機制(POW)如何去中心化</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2023年4</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">月24日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2023/01/blog-post_14.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">他們看不到我看到的價值</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> (2023年1</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">月14日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2018/01/blog-post.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">為何政府的打壓不奏效</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(67, 67, 67); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2018年1</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">月11日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2017/12/2017.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">告別2017</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(67, 67, 67); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2017年1</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2月31日)</span></h3><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">回憶: </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">比特幣近日曾經升至1188美元創歷史新高,突破三年前2013年11月1170美元高位,筆者的書「貨幣革命加密貨幣新世代」中講過,世界一日有戰爭、金融危機、量化寬鬆,比特幣仍然有其價值,但講到應用於實體經濟,仍然是Ethereum(以太坊) 為主...</span></p><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2017/12/blog-post_28.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">比特幣價值的迷思</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2017年1</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2月28日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2017/12/blog-post.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">比特幣的二三事</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(67, 67, 67); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2017年1</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2月8日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2017/02/blog-post_28.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">告別前的最後一篇</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2017年</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2月28日)</span></h3><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 12pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">回憶: </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); background-color: rgb(255, 255, 255); font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">寫blog已經六年,是時候思考前路。曾經有不同人接觸筆者做其他事情,走出comfort zone,如製作網台節目,財經講座,寫日本地產等等,筆者有時會覆,有時過了太久仍不知怎樣覆,敬希原諒。本blog宗旨是以數據和基本分析出售知識,興幸得到博顥出版社幫我出了一本書「貨幣革命加密貨幣新世代」,筆者的原意是讓更多人認識比特幣區塊鏈的科技和應用,總算達到了部份目的,現在需要做的或是筆者最想做的,就是把Ethereum(以太坊) 智能合約技術真正應用於實體經濟...</span></p><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2016/05/blog-post_17.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">區塊鏈革命的重要性</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2016年</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">5月17日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2014/09/blog-post_11.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">中心化與去中心化的分別</span></a><span style="font-size: 12pt; font-family: NSimSun; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2014年</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">9月11日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2014/09/3.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">加密貨幣的革命(3):比特幣的數學</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">(2014年</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">9月5日)</span></h3><br style="-webkit-text-size-adjust: auto;"><h3 dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; background-color: rgb(255, 255, 255); margin-top: 0pt; margin-bottom: 0pt;"><a href="https://luan-invest.blogspot.com/2014/08/1-i.html" style="text-decoration: none;"><span style="font-size: 12pt; font-family: Arial; color: rgb(17, 85, 204); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;">加密貨幣的革命(1) :去中心化的經濟發展(i)</span></a><span style="font-size: 12pt; font-family: Arial; color: rgb(79, 79, 79); font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"> (2014年</span><span style="font-size: 12pt; font-family: Arial; font-weight: 400; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">8月20日)</span></h3><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com5tag:blogger.com,1999:blog-6472492327102302557.post-46443366683642029532024-03-13T15:27:00.001+08:002024-03-13T15:27:55.011+08:00美國減息預期真的可以如願以償嗎?<p dir="ltr" id="docs-internal-guid-638ba3c4-7fff-85cd-d822-547893107691" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">根據美國最新通脹數據,2024年2月,美國通脹率按年上升3.2%,較1月份3.1%輕微上升,並且高於預測的3.1%。 其中,值得關注內裏幾多項目的通脹,包括能源、食品、住屋開支及衛生保健,其通脹下跌幅度不似預期。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_7442_2ff1_e6aa_83b4" src="https://lh3.googleusercontent.com/d/1aZF0bH1ghQEhxQGM--cCDc-y2zOoOCqV" alt="" title="" tooltip="" style="width: 209px; height: auto;"><br><br></span><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">二月份能源成本按年下降-1.9%,而1月份為-4.6%,反影能源通脹下跌的速度減慢,汽油、公用事業天然氣,燃油均錄得較一月份細的跌幅,是否反影源油價格通脹可能回升?此其值得關注之一。與此同時,食品通脹錄得2.2%升幅,一月份升幅為2.6%, 食品價格升幅減慢。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">住屋開支佔核心通脹45%,解釋了核心通脹下跌緩慢的重要因素,住屋開支繼一月份升6%之後,二月份升5.7%,另以服務為主的醫療保健,其價格緩慢上漲,繼一月升3%,二月升幅為2.9%,升幅變動不大。另方面,核心通脹率從一月的3.9%降至二月的3.8%,而預測為3.7%,核心通脹率降幅緩慢,甚至不似預期,反影核心通脹難落。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">而早前公佈的2024年2月非農就業數據增加27.5萬,超過預期的20萬個職位,高於1月份下調的22.9萬個職位。 數據中反影服務業勞動力需求的醫療保健增加了6萬7千個職位。如果服務業勞動市場強勁,亦會帶動薪酬上升以至核心通脹。所以,如果要核心通脹進一步下跌,便必須要失業率進一步上升😢!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">通脹未能如期下跌,令人擔心2024年減息三次的預期會否落空?這將對如日中天的美股有何影響?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實美股的道指和納指似乎正在橫行:</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_37a5_cbf8_cd81_238" src="https://lh3.googleusercontent.com/d/1574iMg_gaoBeOg3R1oVjxRDjK6ad23GL" alt="" title="" tooltip="" style="width: 241px; height: auto;"><br><br></span><img id="id_2eb0_e574_3196_3f3a" src="https://lh3.googleusercontent.com/d/1K-N0ODKBnEbCZ9lzJJHjM3Qx30UtrMrF" alt="" title="" tooltip="" style="width: 219px; height: auto;"><br><br><br><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">金價和</span><span style="font-family: Arial; font-size: 11pt; white-space: pre-wrap;">比特幣價格創新高又是否有所啟示?</span><br><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_aa1e_30de_37d3_710d" src="https://lh3.googleusercontent.com/d/1lxcej1JM3MtSHw9n-O15e-cwu9iPAgZn" alt="" title="" tooltip="" style="width: 238px; height: auto;"><br><br></span><br><img id="id_c6df_f3bd_6625_10be" src="https://lh3.googleusercontent.com/d/11WzOGhULGPh2iHt8XwfRinijTrKAqTbl" alt="" title="" tooltip="" style="width: 224px; height: auto;"><br><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-78577734723245900942024-03-07T16:42:00.001+08:002024-03-07T16:42:10.218+08:00「錢」的應用就是區塊鏈技術最好的應用<p dir="ltr" id="docs-internal-guid-a85e78d3-7fff-c2c9-0d40-de22ae1f9672" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><img id="id_3d7b_c5f4_cc8f_6928" src="https://lh3.googleusercontent.com/d/1dEA7U29n5suz2CIqHNtDfK_3SltjFZ8O" alt="" title="" tooltip="" style="width: 185px; height: auto;"><br><br><br style="-webkit-text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; white-space: pre-wrap; -webkit-text-size-adjust: auto;">區塊鏈正在改變世界,如果說Bitcoin 價值是零,而區塊鏈好有價值,這種邏輯又是否合理?</span><br><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">最新的美元化進度,根據 2024年3月4日俄羅斯新聞社TASS報導,金磚國家 (BRICS) 正以數碼貨幣和區塊鏈技術建立支付系統,主要目的是方便政府、人民、及商業往來,確保成本效益和不受政冶影響。</span></p><br style="-webkit-text-size-adjust: auto;"><blockquote><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">We believe that creating an independent BRICS payment system is an important goal for the future, which would be based on state-of-the-art tools such as digital technologies and blockchain. The main thing is to make sure it is convenient for governments, common people and businesses, as well as cost-effective and free of politics,” Kremlin aide Yury Ushakov said in an interview with TASS.</span></blockquote><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">金磚國家設立的應急儲備基金(Contingent Reserve Arrangement) 和獨立於西方國家的國際貨幣及金融系統,在西方傳媒眼中,是想繞過以西方國家主導的金融系統 IMF 和 SWIFT,目的是窺避制裁,是否</span><span style="font-family: Arial; font-size: 14.666667px; white-space: pre-wrap;">窺避制裁是後話,真正的效果是貿易伙伴間互相對數的交易系統正在取代SWIFT 的系統,而最終減少以美元作為貿易貨幣,最終達至去美元化!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">金磚國家由最初五國包括巴西、俄羅斯、印度、中國、南非組成,現已增至10個國家,新成員國包括埃及、埃塞俄比亞、伊朗、沙特阿拉伯和阿聯酋。我們需要關注的是,金磚10國以購買力平價計算的GDP加起來,佔全球GDP32%,G7則佔全球GDP30%,這股新力量推動去美元化是不可以低估。當然,動搖羅馬帝國並不是一天便能成功,但事實是,去美元化的趨勢已不能逆轉。區塊鏈推動世界變,並非言過其實!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">很多人喜歡以AI與區塊鏈技術相比,得出結論是AI透過Chatgpt已被大眾廣泛使用,而區塊鏈技術還沒有落地的應用。我以前的文章已經指出,這種比較是沒意思的,首先,我想指出,AI的技術發展始於70年代,直至現在幾十年後才出現Chatgpt,令AI成為大眾可使用的工具。而區塊鏈技術透過Bitcoin的應用,只從2008年開始,面世至今才只有16年。然而,在國家級的層面,區塊鏈作為底層技術,另起爐灶,設立像BRICS的組織內使用的互通數碼貨幣,應用範圍只是會員國之間的貿易、借貸、民眾旅遊,區塊鏈本身已有自動對數功能,撇除國與國之間主權貨幣的波動,國家不承認比特幣,但不認,不認,還須認,國家級採用區塊鏈作為貿易組織的數碼貨幣底層技術,正好證明「錢」就是區塊鏈技術的最好的應用。</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com2tag:blogger.com,1999:blog-6472492327102302557.post-51229886161096723752024-03-02T09:55:00.001+08:002024-03-02T12:13:32.336+08:00究竟香港營商環境有幾大鑊?<p dir="ltr" id="docs-internal-guid-dd5918a9-7fff-c645-6685-f4105c46a838" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><img id="id_ffdb_2df9_1fe9_fd25" src="https://lh3.googleusercontent.com/d/19h-UzMbCHNsp-EYYVgbLqnXqKA47iCzX" alt="" title="" tooltip="" style="width: 263px; height: auto;"><br></p><p dir="ltr" id="docs-internal-guid-dd5918a9-7fff-c645-6685-f4105c46a838" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">渾水(城中追債KOL) 在Youtube 頻道講香港股市是被監管死的,所言甚是!套用到香港營商環境也一樣,加上現時中美博弈,很多沒明文規定的限制,正在無聲無息地蠶食香港營商環境!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">首先是監管制度密不透風,兩年前我在Youtube 曾經指出,在香港開商業戶口很困難,當時我指出銀行對全新公司要求客戶訂單、銷售合約、又或者出示租寫字樓的租約,顯示有真正的運作 , 那時我曾經問銀行職員,沒有銀行戶口收錢,我如何可以接訂單?那是雞先還是蛋先的問題,沒有戶口,我如何有信心接單?如接了單,卻無法如期收錢,我怎麼買貨?還有,現在很多商業都是網上進行,只要我的住宅夠大,除了可以做寫字樓,還可以做貨倉,為何要租寫字樓?出示租寫字樓租約作為商業運作的證據是否已經不合時宜?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">在網上看到銀行開商業戶口只需3天或更短時間,其實是假的。首先,你要預約銀行職開商業戶口,那時預約便要排期一個月,一個月後見職員,只是遞交文件例如商業登記證、公司註冊證書、公司章程、董事名單及決議書、股份分配申報、申請人身份證明文件、住址證明,這只是⋯⋯申請戶口,沒有guarantee 你一定成功開戶,因為銀行還要審批!!我就試過向其中一間網上銀行申請開戶,搞了一個月,結果收到message, yes! 是message, 說不批出戶口申請!理由也沒有給我便拒絕批出開戶申請!所以,申請又未必一定批准開戶的!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">在港開商業戶口,由入表申請到預約職員遞交文件,到審批及開戶,前後大概兩個半月,這是成功開戶,如果此銀行不成功,才去找另一間,又再玩你兩個月!真不知道何時才有戶口做生意了!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我這裏有個問題:「我是否應該漁翁散網式去各間銀行申請開戶,看看誰最快或誰會批出申請?」但每個申請都要花時間預約銀行職員,然後提交表格和文件,簡直是要排除萬難!</span><span style="font-family: Arial; font-size: 14.666667px; white-space: pre-wrap;"> 可能如果你是做食肆、做貿易、租鋪賣實物,一早要租鋪租寫字樓,便沒有此問題,即是你行舊式經濟便容易很多了! 但做新型經濟便會困難重重。</span><span style="font-family: Arial; font-size: 11pt; white-space: pre-wrap;">直至現在這情況似乎並沒有多大改變!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我最近再開另一間新公司,發現due diligence已不只是開商業戶口,原來,現在開新公司,會計師樓幫我做開公司文件時也要做due diligence !! 為何重複又重複做due diligence? 可能香港真的很多人透過公司洗黑錢?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">對於正常人而言,開一間正常的公司那麼困難重重,但對於犯罪者,開很多間公司和多個銀行戶口洗黑錢卻又阻不了!早前香港海關偵破史上最大宗洗錢案件,洗錢集團在香港開設多間空殼公司和銀行戶口,以左手過右手方式洗錢,涉款約一百四十億元。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我想特別指出的是,犯罪者必定找到方法做犯罪的事情,但假設所有開新公司和開商業戶口的人都是想洗黑錢的嫌疑犯,是會窒礙香港營商環境的!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我曾經問加拿大銀行職員開商業戶口是不是要審查?她說:「無需要在開戶時繁複審查,我們只需按客戶要求開戶,如果有可疑交易,銀行方面會看到和堵截!」我不明白為何香港開公司以至開戶口都要重複due diligence!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">可能你以為香港一直都是如此,No! 其實在2017年我的內地合作夥伴來香港開公司和開户口,他們來港一天便全部完成!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">內部面對開公司開戶口強而有力的監管,對外,香港科技公司面對西方國家無形的排擠。首先,我們向Cosmos申請投資,網上申請表上要填寫成員來自什麼國家,列表可選擇的清單內什麼國家都有,菲律賓、泰國、越南、台灣…. 竟然連俄羅斯都有,但就是沒有香港和中國的選項!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">近日需要買Raspberry Pi, 於是向Raspberry pi 公司查詢,Raspberry pi 是一間英國公司,他們沒有接訂單,但卻推薦我們向一間美國零售商購買,初時我只以個人email 查詢,但那美國公司的Export Trade Compliance 部門問是否公司用途及公司名稱,我們提供了公司名稱和香港地址,竟然刺激他們要求更多資料,以下是他們詢問的內容,看完之後,我們回覆取消訂單,買一部600港元的Raspberry Pi,竟然要求出示BR(Business Registration)和回答很多問題,看來是不想賣給香港公司!</span></p><br style="-webkit-text-size-adjust: auto;"><blockquote><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Hello,</span><br style="-webkit-text-size-adjust: auto;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">We ask that you confirm if you are ordering on behalf of a company or for personal use. If this is a company order, please provide your company name, physical address and website. If a website is not available, please provide us with a current copy of the business license that includes company name, address and nature of business.</span><br style="-webkit-text-size-adjust: auto;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Also, please advise what is located at the address of where we are shipping your order; ….New Territories, Hong Kong. If the address is associated with a delivery service, please provide the company name and website.</span><br style="-webkit-text-size-adjust: auto;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Finally, please provide ..Ltd.'s website and explain your relation.</span><br style="-webkit-text-size-adjust: auto;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Upon your response, we will update your customer file to reflect the provided information in hopes to prevent any future delays.</span><br style="-webkit-text-size-adjust: auto;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Regards</span></blockquote><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">事實上,我們可從其他地方購買同樣貨色的Raspberry Pi,只是貴了5%。但如果購買量多,這個差別便不少了!又或者買這些加5%,買那些又加5%,加起來便不少了。然而,Raspberry Pi 並不是什麼高科技產品,如果購買美國的低端科技產品都需要經歷繁瑣的購買程序,或是遇到諸多障礙,這將令外國公司在港設立分公司卻步。無形的制裁對香港營商環境造成影響以及成本上升。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">最近訂機票去加拿大,經濟艙機票價格由疫情前的萬多港元增加至兩萬港元以上,即使格價至最便宜也要17000港元,這是國泰直航機票價,現時只有國泰能飛直航去加拿大,其他航空公司都要繞道避免飛越俄羅斯領空,因此由北美飛往香港或香港飛往北美需要轉機,飛航時間由直航的15小時增加至20小時或更多。這也許解釋了為何香港少了很多鬼佬旅客和商務往來。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2024年度財政預算案提出增加商業登記費200元至每年2,200元,其實,影響香港營商環境何止是增加商業登記費?</span></p> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com4tag:blogger.com,1999:blog-6472492327102302557.post-80415068005531654322024-02-20T11:31:00.001+08:002024-02-26T09:55:21.262+08:00我對價格上落真係識條鐵<div><br></div><img alt="" id="id_d354_26f_1d02_eae2" src="https://lh3.googleusercontent.com/d/1j05Ir3X-Linkv22G2ig0BK7bunugJYvt" style="height: auto; width: 174px;" title="" tooltip=""><br><br id="docs-internal-guid-9f6070e6-7fff-6a19-45b7-224041d42fb7" style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">講完Worldcoin的掃虹膜爭議才只兩個星期,當時我看過價錢是約2.25美元,如果有耐性看到文章最尾的一句,我是這樣說:「現在很便宜,直接在市場買好過!」知否為何直接在市場是好過?給你兩秒時間答…..!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">.</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">.</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">.</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">.</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">.</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">.</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">.</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">如果當時在市場直接買,以2.25美元買1000粒WLD, 才只是17,550港元,曾經升至接近8美元,現在回調至約7.1美元,短短兩星期升至8美元的升幅255%,那1000粒WLD變成44,752港元,財富增長了27,202港元。若你是掃虹膜,免費獲得25粒WLD, 加上每星期送1粒WLD, 項目在港進行了約半年,你免費獲得總共約50粒(齊頭好計數),以高位8美元計,你現在的財富增長了3,000港元。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img alt="" id="id_a82f_f043_9cae_244a" src="https://lh3.googleusercontent.com/d/1LH9ty_k_e9IsekLSjzWAxTHuxP4JkX4_" style="height: auto; width: 247px;" title="" tooltip=""><br><br></span><br></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實,在幣界兩星期升200%並不罕見,甚至經常有,不過,Sam Altman的項目是肯定會在某些時候升數百percent,只是不知何時,看他有幾需要錢,講到尾,做項目的是需要錢啊!生產掃虹膜機都需要錢吧!問題就在於要快過他推升前坐定定等待可觀的回報,不是去等他每月派一粒給你。</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">在幣界時間長了,見得太多這些項目,說自己的鏈TPS快過Eth幾多,很多都說自己是Ethereum Killers ,其中表表者EOS,ICO時曾經升至接近20美元,長線來說,大部分時間在1美元以下徘徊,除了2021年5月曾短暫升至14美元,為何我特別抽EOS來講,因為我在第二本書中曾提及,當時曾經被散錢落街KOL極度睇好,話說EOS會升至60美元!</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">幣界有好多項目,而且技術也不是假的,但項目團隊只是為了炒幣而搞完一個又一個項目,例子如Dan Larimer創造Steemit之後,一輪ICO 賺了一大筆,又去ICO做EOS,這兩隻幣的收埸如何?如果你以持有Eth的心態長線Hodl這些幣,恐怕是你自己一廂情願,但短炒便另當別論!</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">很多幣都曾在開始時大升一轉,這包括BTC 、 ETH ,但哪一些項目是好項目值得長線持有,幣的價格長線是升,除了睇項目技術背景,還有其底層區塊鏈活動的需求如何帶動幣價上升,然後,最重要的還要看項目團隊是否有心經營好項目,令幣的價格長線上升,這是我認為幣的價值投資法!</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">這個世界有很多投資項目都不是假的,你看,恆大地產不是假的,但創辦人不負責任地瘋狂借錢起樓,結果倒閉收場,還要拖累整個地產業,所以,你識睇人是重要過你識睇項目!當然你跟著炒了很多轉,發了達也不定,不過,我認為只會是少數,大部份投資者都走避不及⋯⋯</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">說回WLD,其實項目重點不在其派Universal Basic Income 的用途,而是那個掃虹膜機,聰明的你應該看得出,值錢的項目是那部機,因為它真的解決了網上虛擬身份的認證問題,未來政府的CBDC、中心化銀行全世界交易、證券的交易都會用得上!信不信由你!所以WLD還會繼續升,但賣掃虹膜機的利潤會否加到WLD就不清楚了,希望會吧!會唔會又係睇人!</span></p><div><br></div><font><span style="font-size: medium;">我在講項目的長線投資,你在講短炒,就真係雞同鴨講!<span style="-webkit-text-size-adjust: auto; font-family: Arial; text-size-adjust: auto; white-space: pre-wrap;">對於一個創造項目方的創辦人,叫我花時間去排隊掃虹膜,老實講,真的無時間,我對 OpenAI Startup fund 的 Converge 2 拿一百萬美元收買idea 更有興趣!早前花了兩天時間寫了個 proposal,雖然失敗的機會大,但我從中吸取 pitch VC資金的經驗也不錯啊!人比人比死人,有些錢是我無法賺到的,是因為性格問題,我這種人對價格上落真的是識條鐵,冇計!</span><br></span><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></font><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com6tag:blogger.com,1999:blog-6472492327102302557.post-24140137826669252232024-02-04T12:56:00.001+08:002024-02-05T11:01:46.234+08:00Worldcoin 掃虹膜的私隱爭議<p dir="ltr" id="docs-internal-guid-7394a40f-7fff-bdeb-1455-87402dd5f3df" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><img id="id_a881_1847_4cfa_be0e" src="https://lh3.googleusercontent.com/d/14nZgQP7DAWmJ-6PzPyjTC2hACAzMf68P" alt="" title="" tooltip="" style="width: 192px; height: auto;"><br><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">首先我要聲明:「我並沒有參與Worldcoin 掃虹膜項目」,也沒有向我的讀者和Facebook followers 推介項目,甚至談也沒有談過,為何我對此項目那麼冷淡?稍後下面再談原因!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">應承了網友討論一下早前私隱專員公署突襲Worldcoin(「世界幣」)的香港六間處所調查事件。首先敘述一下事情來龍去脈。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">根據香港多間傳媒的資料,撮要報道如下:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">1)私隱專員公署早前收集的情報,參與「世界幣」項目的人士需要讓有關機構透過虹膜掃描收集其虹膜信息,藉此獲取註冊身份(即 WorldID,「世界幣」稱之為一本數字護照),並可免費獲得虛擬貨幣「世界幣」。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2)公署認為掃描虹膜涉及嚴重個人資料私隱風險,「相信」有關機構收集和處理敏感個人資料方面,「可能」涉及違反私隱條例。(我在這裏對一些指控用了括號,原因下面再談)</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">3)公署行使《私隱條例》下的權力,持法庭手令進入上述六間處所進行調查,要求有關各方交出相關文件和資料。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">看來私隱專員公署主要以《私隱條例》的權力來申請法庭手令。但究竟最終引用什麼法例去禁止Worldcoin 在港運作?其實是未知。根據星島頭條報道,私隱公署並沒有禁止Worldcoin 運作,只是很有氣派地上門進行調查,已嚇得Worldcoin 在網站delist 香港站。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">而我在Facebook 貼文提出私隱公署以非法收集生物識辨資料,主要是從他們的一些勸喻中提到:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">「並應考慮機構收集資料的合法性」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我的理解是,「可能Worldcoin 沒有在港註冊成公司,然後收集生物識辨資料,因此收集數據的合法性成疑。」不過,這都是我個人推斷,事實上,他們搜查的法理依據是「私隱條例」。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">但從多間傳媒的報道,其實可以看出,私隱公署左一句「可能」涉及私隱風險,右一句「相信」…,其實對Worldcoin 是否侵犯私隱並未有定案,很可能雷聲大雨點小。因為其實而家很多device 都用到生物識辨技術,以侵犯私隱為由多數未必告得入。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">反而我注意到,他們不斷呼籲市民「提高警惕,切勿隨便提供生物辨認個人資料」,另公署呼籲市民「小心保護敏感的個人資料,切勿輕易參與收集敏感個人資料的活動,並應考慮機構收集資料的合法性、收集資料的程度、目的、用途、保留期限和安全措施等。」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我的看法是,可能他們只是以雷霆行動搜查Worldcoin的處所,只是為引起社會關注,實際上主要目的是一大堆呼籲!並指出「可能」唔合法!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">不過,對於Worldcoin 掃虹膜作出大反應的並非只得香港,早前肯亞政府亦以安全隱私為由,下令全面禁止Worldcoin的營運!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">根據Institute of Electrical and Electronics Engineers (ieee)在2023年8月的IEEE Spectrum 雜誌報道,英國、德國、法國也有同樣關注。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><img id="id_db_9e1a_ab7a_74b6" src="https://lh3.googleusercontent.com/d/1CpZO94G_SLP3dMbtNWHqUHWSZRZpnQDG" alt="" title="" tooltip="" style="width: 255px; height: auto;"><br> </p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">難怪的,可能政府都想用掃虹膜生物識辨作為身份認證(Digital ID),因為虹膜是獨一無二的生物識辨。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">究竟掃虹膜有沒有私隱洩漏風險?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">首先要講講整個流程。依我理解,用戶要取得免費加密貨幣Worldcoin,必須先下載一個app, App產生錢包的public key和private key ,但這並不足夠,用戶還要到Worldcoin 當地的處所,被一個儀器Orb掃描虹膜,然後產生一個hash,變成一組數字,跟encryption 相似,冇法逆轉。這個hash連繫用戶錢包的public key,並儲存在Worldcoin Database。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">依我個人看法,風險未必在虹膜數據,而是機構本身。我們要留意,用戶可選擇讓Worldcoin 可保留虹膜原始數據做訓練和硏究,這些數據其實存在風險。另用戶的hash和public key是縛在一起放在Worldcoin 的database, Worldcoin 是中心化機構,single point of failure, 如果database 被駭客入侵,整個database 的錢全部會一齊被偷走,而操作這些戶口需要用戶private key。但當很大班用戶都是普通民眾,以第三世界國家為主,網絡安全意識不高,詐騙他們的private key是否很難?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實,Worldcoin 現在就好似一間世界網絡銀行,以用戶虹膜辨識認證開戶口,Worldcoin最終是什麼,其實唔知。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">中心化機構亦可以改變policy, 改變program, 什麼也可以變,而且未來Worldcoin 的用途和經濟模式也是不清楚的。</span></p><div><br></div><div><img id="id_f834_a686_ea14_8552" src="https://lh3.googleusercontent.com/d/1qxtMAiGwQUV93wmjcpEVQ0MtHZeFfcAM" alt="" title="" tooltip="" style="width: 270px; height: auto;"><br><br><br></div><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Worldcoin 掃描虹膜的原因是要識別用戶是人類(proof-of -personhood),由於虹膜是獨一無二,所以用戶只有一個登記紀錄,可獲得免費的加密貨幣Worldcoin。而由於之前的scan虹膜產生的hash會跟用戶錢包的public key連繫,加上有blockchain 記錄,派錢便不會雙重複派給同一個人了!這是整個派Worldcoin 流程。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">由於虹膜只掃描一次,用戶連繫戶口只靠private key, 如果掉失了private key, 用戶如何取回account ? 用什麼機制?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">根據Worldcoin的原意,這些派加密貨幣是Universal Basic Income(UBI), 由於AI將會取代很多人類的工作,人類失去工作後,OpenAI的Sam Altman認為可以派UBI作為補償,他甚至說以OpenAI從AI 所賺的盈利,再以UBI分配給所有人。不過,依我記得從閱讀過的一篇外媒報道,他們質疑,OpenAI頭十年的盈利是要用於回報Microsoft 的投資,另外,OpenAI並沒有說明盈利中的幾多percent 是用來派UBI。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Worldcoin 的誠信亦受到質疑,根據IEEE Spectrum雜誌指出,他們的項目目標由原先派加密貨幣,轉移至用作網絡識別人類,以抗衡網絡上日益泛濫的AI 機械人,但此應用改變並沒有通知用戶,畢竟這是用戶的ID,其實任何改變用途,是否應該先諮詢用戶?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">From Ieee Spectrum: </span></p><blockquote><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">The exact purpose and scope of the project has shifted over time. Initially, it was billed as a way to fairly distribute cryptocurrency to every human on the planet, in the process creating the infrastructure needed to dispense a global universal basic income (UBI). But its goals have since morphed; in December, company leaders explained to IEEE Spectrum that they’re now focusing on helping users prove they are humans on an Internet increasingly overrun with AI-powered bots.</span></blockquote><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">文章太長了,我簡短說說為何我對Worldcoin項目全冇興趣,第一,他們是中心化私人機構處理錢的問題,其實他們最終會否是金融機構?銀行?不知道!第二,他們的生物識辨algorithm 有沒有back door, 唔知!要由專家睇, 我沒有時間考究,咁麻煩,不如在市場直接買,現在很便宜。第三,Worldcoin 有什麼用途?UbI供全球用戶,數量肯定不會少吧!</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-42727791838771472042024-02-03T11:17:00.001+08:002024-02-03T12:19:36.011+08:00幣圈和鏈圈的分歧<p dir="ltr" id="docs-internal-guid-68bc2914-7fff-6e51-6fa4-99f731f207ba" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><img id="id_52ff_a395_fe12_3ab0" src="https://lh3.googleusercontent.com/d/1Qa8xPlyyhpbuuGGymyiWBH6k7NL8aus6" alt="" title="" tooltip="" style="width: 173px; height: auto;"><br><br><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">首先要定義什麼是幣圈,幣圈是指炒幣的人或長線持有的hodler, 他們的關注點是幣價升跌,持有的基本因素,然後低位買入,價格上升便沽出獲利,獲利的幅度因人而異,筆者的投資以五年起計算,只投資有技術實力的鏈和創辦人造鏈的心態,五年下來,通常都有進帳。筆者是長線持有crypto 的Hodler投資者, 雖然現在仍然是一個hodler, 但由於現在自家經營L2區塊鏈,以Cosmos 為基礎,所以算是稱得上為鏈圈中人,換句話說,鏈圈是經營區塊鏈的人。幣圈和鏈圈同是crypto 界別中人,但其實存在很大的思想分歧。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">或者有人會覺得我身痕走去經營區塊鏈,但作為早期投資者,自以為已經很了解crypto ,而希望投身crypto 行業,好好把自己的知識落實到應用,並將區塊鏈技術發揚光大,但這只是我在幣圈時的一廂情願。當入行之後,發覺其實真正實踐比想像中困難,經歷製造和落實經營應用的整個過程,可說是對crypto 更深入了解,事實上,若掌握不到價值的來由,便無法為用家帶來價值。所以我認為,有能力和財力走到這一步,自問是很棒的事情。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">來到這步,我開始覺得以前的我對crypto 的了解還未足夠,我曾經說過:我心目中香港的真正加密貨幣專家,其實只得Ko Kin,因為他是真真正正的落手落腳地走過整個製造和經營區塊鏈的過程,我和我的cofounder 都要找他問問題。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">至於我的經歷過程和體驗,便要留待將來出書再講,因為這些知識實在太寶貴,不能免費送出!但幾時出書?我都未知,我的計劃是先launch Volitium 的主網和蘋果app後再談!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">究竟幣圈和鏈圈的分歧是什麼?那就是理論和實踐的分別,當我在幣圈長線投資幣的時候,我只需看着BTC 和 ETH的升跌和它們的基本因素,低買高賣。看着BTC 和Eth的成功例子,什麼trustless 、decentralized 、censorship proof、沒有國家,無需理會法規、跨國界,但實際上真的不需要理會任何政府嗎?事實上只有BTC 可以做到,因為BTC 的製作者已經失蹤,究竟製作者是個人還是團體,亦已經無從稽考!Eth 由Proof of Work轉到proof of stake 後還是不是digital asset? 定還是security token? 美國證監如何看待eth?仍然存在變數。Eth本身已經無法擺脫法規,要不然像Tornado Cash的創辦人,政府二話不說便拉人封艇,你可以說他只是寫program, 製造刀的刀匠,有人用刀去殺人,為何政府直接拉刀匠去坐監,而不是拉殺人兇手?現實是如此,拉刀匠而不是拉殺人兇手,民不與官鬥,實在是鬥不過!當我們要真正實踐的時候,第一要面對的</span><span style="font-family: Arial; font-size: 11pt; white-space: pre-wrap;">便是法規,無人想未成功便被拉去坐監吧!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我曾經問Ko Kin:「如果這樣做便不再是decentralized?」他的一句說話,也應該是他的經驗之談:「用戶其實唔care…. 」他一言驚醒夢中人,我一直執着要decentralized, 但實際上是有很多問題,連應用的product market fit都未找到,無人用,如何decentralize都是徒然!但在技術上,decentralized 的區塊鏈是必須的,這是區塊鏈的保安考慮比較多,但僅此而已。這是我在經歷了製作過程之後的一些睇會!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">一言以蔽之,幣圈不是造幣的人,可以很多理論,但造幣的人不是炒幣的人,關注點是如何生存,創辦人和幣都要先生存下來,幣要能夠成功,首先創辦人不可以出師未捷身先死,也不可以未開工便被拉去坐監吧!我曾經跟另一鏈圈創辦人說:「若要能夠幫到人,首先要自己無事…」,意思是建康方面和人身安全方面。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">除了要保住創辦人,應用很重要,做Ethereum 和 Cosmos 的創辦人,跟做DAPP的創辦人,技術的要求和去中心化的考慮不同,這大概也是幣圈和鏈圈的分歧,事實上,若Ethereum 、Cosmos、Polkadot 上沒有developer, 便無法產生價值,而要真正令世人廣泛應用,作為developer也要顧及使用門檻不能過高,所以批評Dapp不夠去中心化,其實你有沒有搞清楚整個crypto 的生態是如何運作?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><font face="Arial"><span style="font-size: 14.666667px; white-space: pre-wrap;">要用家廣泛使用,概念不能複雜,Titok在美國很成功,而Titok的製造概念只是要「令人開心」,但事實上Titok真的只是使人開心?定還是user自己可以大做生意?</span></font></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">另一個很重要的問題我們作為DAPP developer 要問的:「如果Web2已經有的東西,為何要使用Web3? 要知道web3是要經過很多節點,運作未必夠web2有效率。」這條問題令我更深入思考web3的價值來源。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實,入了鏈圈之後,肯定是增加了資訊的優勢,幣圈的人未必掌握到的資訊,但事實上,大部分人都不理會鏈圈的人,因為鏈圈講的不是人話!</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-89371947643388512592024-01-20T16:29:00.001+08:002024-01-20T17:03:27.520+08:00政策牽一髮而動全身<p dir="ltr" id="docs-internal-guid-aea5fa45-7fff-d6c5-0b5a-407f49a0b0b4" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" id="docs-internal-guid-aea5fa45-7fff-d6c5-0b5a-407f49a0b0b4" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><img id="id_4c93_e01e_a1e4_2359" src="https://lh3.googleusercontent.com/d/1A8XMCiIL9ZLZaHsuvw4MNh4fNh2qZa_i" alt="" title="" tooltip="" style="width: 202px; height: auto;"><br><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">港股</span><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">已經下跌了四年,仍然未見起色,樓市兩年累積跌幅兩成,財爺陳茂波失驚無神話要硏究徵收資本增值稅,結果港股「投降式」下跌,財爺出來笑笑口澄清,現在和短期內都沒有條件實施資本增值稅。有時真不明白</span><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">官員可否想想自己一言一語、一個政策都在影響香港?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">官員有沒有好好思考香港現在處於什麼經濟狀況?與其怪責港人北上消費,不如問問為何港人要北上消費?這絕不只是港元與人民幣的匯率差距的問題,試想想港人魚翅撈飯的日子,其實,有錢便日日在港魚翅撈飯,莫財便要睇價錢做人,這是正常不過,換句話說,香港人今時今日比以前窮!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">事實上,內地人來港旅遊也沒見增加消費,而是滾水淥腳地,上午來,晚上過關走,問他們為何不過夜,旅客很老實說,在港住一晚酒店是過千元,返回內地深圳,酒店價錢只數百元!事實上,內地人也是一樣,錢少了便要睇價錢做人!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">一言以蔽之,疫情後,港人和內地人都窮了,有錢投資的,卻都因地產、股市鎖住了資金,市民都莫財!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">然後,是原本4月1實施的「垃圾徵費」,早前官員還在怪責市民「想搞清楚便必定能夠搞清楚」,結果市民越辯越不清楚,在全城爭議中官員終於推遲至8月1日。事實上,市民日日忙於搵食,不到真正實施也不會花時間想清楚政策如何影響自己,我自己的情況也差不多,近日才開始關心政策細節,筆者也有一些問題想問官員。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">原本4月1日起推出垃圾徵費,住戶丟棄家居垃圾時,必須使用售價由0.3元至11元不等的「指定垃圾袋」去𠄘載垃圾、又或是在放不入垃圾袋的大型廢物先貼上價值11元的「指定標籤」,違法者可被罰款1500元,若屢犯者則可被判最高刑罸為監禁半年及罰款2.5萬元。有議員甚至建議在住宅物業後樓梯大量安裝監控攝錄機,以防止居民非法棄置垃圾!這種思維有點像先假設市民犯法,然後作出預防措施!我甚至懷疑,近日建議全港加裝2000部監控攝錄機,其實都是預防市民通街棄置垃圾!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">或者,官員和議員們在加裝更多監控攝錄機前,可否想想,究竟你們想將香港變成什麼樣的城市?亂過馬路罸款2000大元,還要由便裝警員執法,垃圾蟲罸款加至3000大元,原本的垃圾徵費下,飯盒棄置已滿的垃圾桶旁邊罸款1500元….. 等等!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實,香港自稱國際金融中心,便要跟全世界搶人才、搶資金,倘若城市的法規太過嚴苛,可會影響香港的競爭力?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">或者在談更嚴厲的法律去規管棄掉垃圾前,可否想多一點?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">筆者有以下問題,或記者們可否代問!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">1)以我所知,香港大部份私人屋苑還未有設施處理廚餘。根據我在外國的經驗,垃圾分類:罐頭、膠樽、紙、奶盒、玻璃樽、廚餘,均在同層有不同垃圾桶方便居民分類,大前提是方便,居民開開心心自願地去分類垃圾,我想強調,所有私人屋苑都有特別垃圾桶處理廚餘,丟棄的垃圾便完全不會發出臭味!台灣的經驗,屋苑亦會有設施處理廚餘。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">家居垃圾完全妥善分類,丟棄的垃圾很少,這樣不會大幅影響市民支出,居民亦很樂意接受垃圾徵費。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">筆者的問題:為何沒有政策先妥善處理廚餘,才徵收垃圾費?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2)現時我們均有在超市購買垃圾膠袋來包裝丟棄的垃圾,若丟棄的垃圾較多,我們便以較大的垃圾膠袋𠄘載,即使不是在超市另買垃圾膠袋,我們在超市購物時索取膠袋也要支付五毫,然後,我們還是會循環再用於𠄘載垃圾,這些其實都是以不同形式實踐用者自付,除非香港有很多人丟棄垃圾時是沒有使用膠袋?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">3)超市買的白色和黑色垃圾膠袋不計算為用者自付嗎?或者這種徵費不夠?其實可以要求生產商加價,超市膠袋稅加至一元如何?其實,轉買由政府生產的綠色徵費膠袋的邏輯為何?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">4)我們之前已購買的白色、黑色垃圾袋,現在要轉買政府的特別垃圾膠袋,我們變相要丟掉以前買入的垃圾膠袋,這是增加垃圾?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">5)官員有沒有考慮現時實施垃圾徵費對經濟的影響?根據稻苗飲食專業學會榮譽會長黃傑龍估計:旗下集團食肆每年需要多付300萬元買指定垃圾袋,加上人手等達500萬元,形容開支龐大。以現時香港經濟情況,港人減少出夜街及減少在港消費,內地人消費減少,食肆的徵垃圾徵費可能轉嫁食客,這進一步導致人們減少在港消費。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">6)剛才已說,大量港人北上消費反影港人莫財,在此時徵收垃圾費,會否進一步影響消費?用者自付,少買少徵費!</span></p><br style="-webkit-text-size-adjust: auto;">作為普通市民,我們在此刻更關心的是香港經濟發展,股市樓市興旺,市民有錢,政府談加稅,市民是不會有怨言!亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com2tag:blogger.com,1999:blog-6472492327102302557.post-29190389341735167512024-01-17T10:24:00.001+08:002024-02-16T20:33:38.796+08:00以巴戰事擴散對世界經濟和通脹的影響<p dir="ltr" id="docs-internal-guid-957457dd-7fff-6548-bc08-d36316a8fcd9" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><img id="id_a10_c9b3_2c9_e5f2" src="https://lh3.googleusercontent.com/d/1_Uje0Exaeh57g0IWap6UEOBuUoAlDW8B" alt="" title="" tooltip="" style="width: 184px; height: auto;"><br><br><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">剛過去的週日,胡塞武裝在也門港口城市亞丁東南面向一首美國船發射反彈導彈(anti-ballistic missile),香港傳媒報道是美國貨船,但據歐洲及一些印度媒體報道船隻是一艘阿利·伯克級驅逐艦 (the USS LaBoon, an Arleigh Burke-class destroyer ),但事件中船隻未被擊中,若擊中的是驅逐艦,後果嚴重很多,因為必定引發美國更大報復行動。這次襲擊是胡塞報復上週美英聯合轟炸也門胡塞控制的28處境內區域和60個目標。12月初,胡塞武裝組織向行經紅海使往蘇依士運河的商船發射導彈及無人機襲擊,聲稱會一直堵塞航道,直至以色列停止轟炸加沙區域。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">除也門紅海戰線,以色列還向黎巴嫩、伊朗不時發射導彈襲擊軍事設施、機場,而伊朗的伊斯蘭革命衛隊又向伊拉克安比爾發射導彈,以色列加沙戰事已經擴散,英美已直接被捲入戰事。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">除蘇而士運河因地緣政治被堵塞,巴拿馬運河也因乾旱,兩事件均迫使貨船繞道非洲好望角,航運時間增加兩星期,貨物運輸成本勢上升,通脹影響如何,則還有待觀察。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">美國的12月通脹數據未見以上問題明顯影響。美國12月的通脹率按年升3.4%,高於市場預期3.2%,亦高於11月升幅3.1%,但當中關注的能源價格下跌2%,11月的跌幅為5.4%,跌幅暫時放緩,另汽油繼11月跌8.9%,12月則跌1.9%,通脹似乎是醫療和交通帶動,醫療商品12月按年升4.7%,交通價格12月按年升9.7%。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">根據CNBC 報導,紅海戰事和貨船繞道導至貨船運費上升, 一些貨船運費一月的價目表已上升至10,000美元,然而,中國內地經濟放緩,需求下跌,中國到美國西岸航運減少的影響更大,抵消地緣政治對世界供應鏈的價格上升的影響。因此,中東戰事對物價的影響仍需觀察。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">除了貨船繞道導至航運成本增加,供應鏈延遲,生產受阻,導致供應緊絀,從而推升物價,甚至經濟進一步萎縮。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其中Tesla便宣布,由於紅海受到襲擊威脅而導致商船延遲運送零部件,Tesla將在1月29日停止歐洲車廠兩星期,期望在2月中再次投產,雖然影響只是暫時,但歐洲車廠一年生產量375,000架車,倘若紅海戰事延續,生產受阻一個月涉及31,250架車及相關的經濟損失。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我們還需要繼續關注油價, 近一個月是上升趨勢,但世界經濟衰退對需求的壓力可能大於地緣政治的因素,大趨勢仍然是下跌,因此還需觀察以巴戰事擴散對世界整體經濟的影響。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">題外話,筆者不願見到通脹重燃,還望以巴戰事早日完結。筆者無法理解的是,加沙地帶死亡人數已接近25000人,停火和談是最有效阻止戰事蔓延,為何對胡塞要求停火竟以轟炸回應,政客取難捨易,實在難以理解!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">作為普通人,我們在戰爭面前很渺小,可做的只有密切關注事態發展所帶來的影響,保護好自己的財富。</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-52505705095051142752024-01-12T23:30:00.001+08:002024-02-16T20:50:36.534+08:00每一小步都是成就<p dir="ltr" id="docs-internal-guid-eb3904dc-7fff-6e60-3272-ba57adaf690c" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" id="docs-internal-guid-9247e342-7fff-0cb1-e815-f4724a444114" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-family: Arial; font-size: 11pt; white-space: pre-wrap;">每一個家長在看到自己的兒子從不懂說話,只有肚餓和眼瞓時哭叫,至第一次叫「爸」,至第一次轉身,至爬行,至第一次站起來,再一步一步的走向父母,每一小步都視為孩子的里程,每一個進步都充滿成就感。這就是我們加密貨幣早期投資者看到美國證監批准11隻現貨Bitcoin ETF 在交易所上市的喜悅,這不單是獲得美國政府承認的一步,美國是世界最大的金融市場,國際投資的大熔爐,能夠進入美國市場,其實意義重大,這意味進入主流市場的一大步。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">SEC批准11隻現貨Bitcoin ETF 在交易所上市, 第一日交易額超過46億美元,BTC 價格曾升穿48000美元,市值為8920億美元:</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_2e2_35f3_4b7d_63b6" src="https://lh3.googleusercontent.com/d/1BPOEOG3lPkblM-jCTEMf1gEK3TWMUVlC" alt="" title="" tooltip="" style="width: 182px; height: auto;"><br><br></span><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">回味一吓BTC 只是數百美元的日子,市值只有60億美元:</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_c575_41b6_1c1_6924" src="https://lh3.googleusercontent.com/d/1fEa-ewu7U57yxl6rNBB56Aka9pUTa_3w" alt="" title="" tooltip="" style="width: 197px; height: auto;"><br><br></span><br><br><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">回想初期買BTC 只能在localbitcoins.com逐個BTC 買,一手交錢到對手銀行戶口,對方一手輸入BTC 到public address,每次交易只是數百港元。後來有本地交易所,才親身到交易所入錢,交易的保障性邁進一步,但交易所不是被黒客盜取BTC, 便是他們自己監守自盜,最初是Mt. Gox失竊客戶BTC, 那時涉及數千萬美元,至2022年11月FTX倒閉,涉及詐騙數額幾十億美元,金額大幅增加,但性質不變。本地交易所買賣差價很闊,在本地交易所只會買入USDT 後,再在網上binance進行交易,所以買賣方面仍然不太方便。現在雖然可以透香港合法交易所買賣BTC Eth, 但不許用USDT 交易,買賣差價會否較闊,我還未試過,不能評論。但合法出金入金,交易的保障性較大也是一種進步。買入後要處理冷錢包,很多人都視之為門檻,現在一般散戶可以透過在美國交易所買Bitcoin spot ETF ,參與投資Bitcoin, 買賣能夠直接影響價格,在世界最大金融市場買賣交易,這是一種大進步。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">回想初期投資和在blog討論比特幣的背後技術, 都會被受質疑是想派貨?很多人認為投資加密貨幣的人都是想搵快錢、賭博,去年還是遇到這些質疑,為何別人看中一隻識於微時的股票,就是投資,但我們看中加密貨幣的區塊鏈技術而投資,卻被說成是賭博?或者,Bitcoin spot ETF獲得美國SEC的批准, 也意味著是對我們的眼光的一種認可?(雖然未必是代表SEC對BTC 的認同!)</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">SEC 主席 Gary Gensler 在「關於批准現貨比特幣交易所交易產品的聲明」中強調批出產品並不代表認同,他指出「比特幣主要是一種投機性、波動性資產,也用於非法活動,包括勒索軟件、洗錢,逃避制裁,和恐怖主義融資。」其實,以上的問題,fiat money 也一樣做到。不過,我很認同:「投資者應對與比特幣及相關加密貨幣產品所帶來的眾多風險保持謹慎態度。」事實上,當更多主流大鱷入市,這也意味著這些資金對比特幣的價格影響會更大,以前我不會認為比特幣會為金融市場帶來風險,但當更多散戶和大鱷都能參與,我反而覺得是早期投資者退場的時候。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com2tag:blogger.com,1999:blog-6472492327102302557.post-21244603875100823742024-01-09T15:48:00.001+08:002024-02-16T20:52:05.748+08:00進擊之巨人Final Season對戰爭的控訴<p dir="ltr" id="docs-internal-guid-086ccd8a-7fff-1571-7a52-b6c8ae686b04" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><div><img id="id_29e3_7437_a52c_373e" src="https://lh3.googleusercontent.com/d/1GM6kaiD3i3I4jkC62_VDdxP5XBWA4saK" alt="" title="" tooltip="" style="width: 219px; height: auto;"><br><br><br></div><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">聖誕新年假期終於看完進擊之巨人Final Season和 Final Final part 1 和 part 2。很多香港人看過進擊之巨人的電影版,大家會以為牆內的人是被受壓迫的一群,比喻雞蛋與高牆。然而,看罷Final Season 的 Final part 1 和 part 2, 才發現整套連續動畫片其實是關於戰爭,而且是對戰爭的控訴。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">進擊之巨人的初期,Eren是保護特戰部隊的巨人,Eden, Mikasa 和Armin是好朋友,住在牆內Paradis Island ,特戰部隊的職責就是對付牆外的巨人 ,但去到Final Season,Eren變成了可怕的魔鬼,以他擁有Founding Titan的能力,以牆磚轉化成很多Colosal Titan (超大型巨人),這些超大型巨人只聽命於Eren, 而Eren正在實行他對牆外所有人的種族滅絕計劃稱為Rumbling 。而到了此刻,Eren已成為Mikasa, Armin和特戰部隊的敵人,他們為挽救人類,必須拿下Eren的頭顱。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">為何Eren會發展到這個地步?由朋友、戰友變成敵人?這要說回二千年前Eren所屬的部族Eldia曾統治Marley, Marley 是位於Paradis island的對岸,後來被Marleyans推翻,並且把Eldians困於高牆內。1200年後,Eldians 擁有製造巨人的能力,巨人成為殺人武器反攻Marley成功。Marley是聰明的人類,有時候又能控制一些擁有特別能力的巨人反擊,並且勝利。這樣不斷打來打去過了幾千年。而來到</span><span style="font-family: Arial; font-size: 14.666667px; white-space: pre-wrap;">Eren這一代,他擁有 founding titan 強大的能力,他認為只要把牆外的人全部殺掉,他所屬的Eldians才會得到真正的自由,他的原意只是想保護自己族群,但思想變得極端。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">故事講述政客們挑動族群之間的矛盾來取得自己的利益,他們不斷向Marleyans洗腦,說Eldians是殺人無數的魔鬼,而Eldians的前人亦不斷向下一代洗腦,指Marley是他們的仇人,兩族人互相廝殺,政治洗腦和分化,令兩地人民忘記他們其實曾經是同一族人。</span><span style="font-family: Arial; font-size: 11pt; white-space: pre-wrap;">最後,擁有變成巨人的能力的Eldians質疑,戰爭沒有勝利,只有不斷的仇恨,一代傳一代,沒完沒了。</span><span style="font-family: Arial; font-size: 14.666667px; white-space: pre-wrap;">這就是進擊之巨人內包含的最大訴息。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">看完所有的Final Season 和 Final Final episode, 感覺這故事有點像在說加沙和以色列之間的仇恨,兩地人民沒有贏家,只有生靈塗碳。</span></p> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-81806255886380430322023-12-26T22:23:00.001+08:002024-03-08T12:23:55.204+08:00福岡之旅10月中去福岡旅遊,聖誕假期整理相片後在此上載作個記錄。<div><br></div><div><br></div><div>聞說IQ博士住在天神村,第一站是到天神站附近的酒店:</div><div><br></div><div><img id="id_3702_5a06_ba4b_9e39" src="https://lh3.googleusercontent.com/d/1BdNPTitInobEXeBtNmLQYnRF_hy0cQy6" alt="" title="" tooltip="" style="width: 278px; height: auto;"><br><br><br><br></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);">日元貶值,在日本吃的很便宜,感覺價錢二十年沒多大變化:</span></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span></div><div><img id="id_999c_3b43_8217_f47" src="https://lh3.googleusercontent.com/d/18Bg880YrMaRQFlQ5iew2dRnT_eEDoK98" alt="" title="" tooltip="" style="width: 284px; height: auto;"><br><br><br><br><br>進擊之巨人博物館:<br><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span><img id="id_bc1f_141e_6c1d_18c6" src="https://lh3.googleusercontent.com/d/1B1-8BJ8CWN1Yc4xX3-yq_6GfUKxgzHHb" alt="" title="" tooltip="" style="width: 220px; height: auto;"><br><br><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span></div><div><br><br></div><div>高千穗峽谷</div><div><br></div><div><img id="id_16af_157e_efa1_eec2" src="https://lh3.googleusercontent.com/d/16HaA7jLausO-oo-okli9_KGWyFEZPsXg" alt="" title="" tooltip="" style="width: 175px; height: auto;"><br><br><br></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span></div><div><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);">阿蘇火山:<br></span><br><br></div><div><img id="id_461f_b2f1_1deb_db39" src="https://lh3.googleusercontent.com/d/1lJH7aPaCOygSDdijJWjuw-mR0FRLIWi-" alt="" title="" tooltip="" style="width: 239px; height: auto;"><br><br></div><div><br><br><br><br>白池地獄<br><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0);"><br></span><img id="id_1a54_883f_ba8f_d84e" src="https://lh3.googleusercontent.com/d/1vg_reCUOvXc6Eh3GiJJG9Q90BRC84uuT" alt="" title="" tooltip="" style="width: 229px; height: auto;"><br><br><br><br><br>血之池地獄<br><br><img id="id_29d_f1a_d9da_ef99" src="https://lh3.googleusercontent.com/d/1Ve4O3Fov_MNtqpBalWJKWvDUEopUBZCb" alt="" title="" tooltip="" style="width: 215px; height: auto;"><br><br><br><br><br>龍卷地獄間歇泉<br><br></div><div><img id="id_95b2_6010_a977_fb1f" src="https://lh3.googleusercontent.com/d/1UPb-192OFGgwimB_uosvLzkLEI0zrUkl" alt="" title="" tooltip="" style="width: 214px; height: auto;"><br><br><br><br><br></div>亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-44807507034675359192023-12-20T15:35:00.001+08:002024-02-02T20:07:06.089+08:00預備通脹重臨 <div><br></div><div><br></div><div><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">筆者曾在「世上沒有無風險的投資…」一文中表示擔心以巴戰事拖延及擴大,很大機會對油價和供應鏈造成影響,最不想見到的事情竟然應驗了。上星期六,也門胡塞武裝向兩艘經紅海去蘇依士運河的商用貨船發射反艦彈度飛彈,擊中其中一艘貨輪,組織表明將持續阻礙貨船駛往紅海經蘇伊士運河去以色列,直至以色列停止向加沙(Gaza)轟炸。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">也門胡塞武裝自11月19日已持續向商船攻擊,只是周六的行動升級至以反軍艦彈度飛彈攻擊商船,多間航運公司即時宣布改道,貨船將會繞過非洲好望角航行,此航道將會令貨物供應𨒂長30%時間,航運成本連耗油和運費約整體提高50%。另方面,繞道好望角亦會遇上海盜風險,其實也並不容易。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_19ce_90d5_984e_ea41" src="https://lh3.googleusercontent.com/d/1xodvbPZcUx0rkSEauLaqQdKaYLg9InHV" alt="" title="" tooltip="" style="width: 177px; height: auto;"><br><br></span><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">蘇伊士運河處理大約全球12%的貿易,與及全球30%貨櫃運輸均需經蘇伊士運河,約一萬億美元貿易受影響,大大阻礙源油和天然氣從亞洲運往歐洲,運油及運氣成本將會增加。歐洲通脹率勢將回升,原本已疲弱的歐洲經濟更雪上加霜,滯漲風險增加。埃及經濟大幅依賴運河收益,也會受到重大打擊。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">倫敦布蘭特原油期貨升穿每桶79美元,紅海事件之前油價因預期全球經濟衰退而回落至約73美元,現看來油價有機會重拾升勢。黃金價格也因應事件上升至每安士2,041美元,事件之前金價大概為每安士2020美元。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">雖然美國與幾個大國聯合組織護航艦隊,但商船寧願兜路也不想冒被炸中的風險,相信若加沙戰事持續得越久,物資、原油、天然氣供應鏈均會受阻,全球滯脹風險增加。之前大家期望2024年上半年開始減息是否能如期實現,實在存在很大變數!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">後記:</span><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">瘋狂印鈔之後,是瘋狂的戰火,上天要你滅亡必先要你瘋狂</span><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">!</span><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">聖誕唯一願望是盡快停戰,以和為貴,造福人群!</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"></div>亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-62213093821158922732023-12-18T20:43:00.001+08:002023-12-18T20:56:41.405+08:00解決痛點<p dir="ltr" id="docs-internal-guid-55acb5cc-7fff-9676-8177-4e72f350da04" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">這是補充上篇文章「思維決定境界 再評論香港創新科技的土壤 」。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">VC經常鼓勵初創企業針對生活或行業痛點進行改革,改善效率、去除中間人、提供更快、更好的解決方案,才能有機會像牧羊人大衛打敗巨人歌利亞,與壟斷巨頭競爭!然而,一些行業痛點往往是因為制度僵硬,長期壟斷及受法律保護,在沒有競爭下,引至行業出現:沒有效率、態度囂張、服務劣評如潮、胡亂收費等等痛點問題,仍然無需擔心沒有生意。所以,很多所謂行業痛點,通常也會觸動建制痛點,初創企業解決痛點變成做違法事情。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我在上次的文章「思維決定境界 再評論香港創新科技的土壤」提出的士司機態度差勁、揀客等問題,牽起傳媒和大眾討論,近日,立法會三讀通過改善的士服務修例的同時,有議員提出加強打擊網約白牌車罰則,而所講的「網約白牌車」其實是劍指Uber 網約高級私家車服務。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">最近有議員甚至提出加價至40元起標,但改例和提高收費又是否真的能改善問題?以下我會討論。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">姑莫論Uber 的網約高級私家車根本不是的士服務的市場,Uber Taxi 和 其他的士app的服務看似融合的士和新技術,但服務方面仍然出現很大問題,看來是「的士」行業本身的問題,而由於Uber Taxi就像強迫革新企業僭建一部份出來加入僵化的制度,原本劣根問題沒有解決,結果把這些問題帶到網約新企業,成為Uber Taxi 和其他的士app的「老鼠屎」。究竟是不是提高收費便能解決的士行內惡習?定還是歸根究底,是六百萬元買入的士牌照所導致的問題?我希望讀者可以幫忙解答!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Uber的原意是好好利用其他人的剩餘價值和車的剩餘價值,制度以外,以較高昂的價錢,提供另類選擇,有些時間,的士根本不能提供服務!而且,原理上,Uber並不是的士行業的直接競爭者,只是,有些人或想自己搞call 車app 的生意,而想取締對手吧?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">首先指出,我以較高call車費網約車的原因,是由於老爸行動不便,又經常要看醫生,他住港島區,醫生也全都在港島,亦有一個在旺角,所以通常隔晚預早網約車給他,確保他無需在繁忙時間與返功人士搶的士,也不需擔心他行好遠路尋找的士,預早call車亦確保準時接載他到醫務所,而我便能透過app看見他是否已經上車和是否準時看醫生。這是我以較高價錢網約call車的原因。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">很多建制的既得利益者喜歡貶低網約車為不合法白牌車,但有否想過,其實在繁忙時間和交更時間,老人家根本無法找到或call到的士,不在的士制度下的Uber 給人另一選擇。又例如一些細公司從機場接載客人到公司開會,便無需長期養一架私家車了。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">現讓我說出從Uber Taxi和另一網約的士app獲得的經驗,大家可看出,其實提高收費並不等同解決的士根深蒂固的問題!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">由於Uber taxi起碼合法,所以近來都轉而call Uber taxi 給老爸去看醫生。有一次,隔晚預約Uber taxi 第二天早上九點到達接載地點,然而,在約定時間前的10分鐘,Uber app傳來司機給我訊息,說由於塞車,需要延遲15分鐘才到達接載乘客的地點,即到達時間為9:06am,我見預鬆了時間, 醫生appointment 是9:30am, 只是從銅鑼灣到灣仔軒尼詩道,車程只需15-20分鐘,應該趕到,所以回覆ok。但結果等到9:20am才到達接載老爸的地點…. 然後,直至9:35am, 老爸至電給我,說司機是九龍車,他的車去了太古廣場三期,他問我如何去,我實在不懂答了,住港島的人是不可能不懂灣仔軒尼詩道!最後他的車在9:45am才到達目的地!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">他的回應是,我篤錯位址,但在我的app卻列出了正確地址喎!他還說:「我沒有在三期便放下他啊!」我心諗:「你試吓!我會叫你車去差館先!」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我的腦海滿是問號!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">第一:他在8:45才從九龍塞車過海來到港島接老爸,當然會遲到,但隔晚接單,怎麼不是預多一些時間到達接載地點?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">第二:為何要隔晚接過海單?他需要支付隧道費啊!唔明!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">第三:Uber taxi app根本沒有選擇九龍車或港島車,照道理,隔晚call 車,是不可能call 不到港島車接港島客吧?如沒有限制港島車接港島客,那麼,下次會否是新界車接港島客?只是從銅鑼灣去灣仔,若不是老爸行動不便,坐電車都可以吧!真是很氣憤,多付了錢,卻是這樣的服務!以前的Uber 私家車,根本沒有此等問題!究竟是Uber app的問題,抑或是的士司機的問題?不言而喻!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">然後,另一次,是我以另一個的士app call 車從住所到機場,的士來到的時候,叫我和他一起取消張單,那麼便不用付平台服務費了…. 其實,即是他以app來找他想要的客….其餘的不想講了,自己諗!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">所以,我在以上提出:「提高收費並不等同解決的士根深蒂固的問題!」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">後記:有議員提出,抄澳門功課,就是在的士內安裝CCTV監控錄影,便能全程監察司機與乘客的爭議!我想指出,香港不是澳門,香港是國際金融中心,食的是四方飯,的士內安裝CCTV監控攝錄鏡頭,是會有影響的,例如之前兩個明星在的士車廂出軌行為被拍攝及影片流出…還有,很多金融市場、公司對話內容等有價值的資訊…..</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-21180862396179375182023-12-13T19:29:00.001+08:002024-02-20T20:30:49.900+08:00A Plea to Heaven <div><span style="-webkit-text-size-adjust: auto; font-family: Arial; font-size: 14.6667px; text-size-adjust: auto; white-space: pre-wrap;"><br></span></div><div><br><br><span style="-webkit-text-size-adjust: auto; font-family: Arial; font-size: 14.6667px; text-size-adjust: auto; white-space: pre-wrap;"><br></span></div><span style="-webkit-text-size-adjust: auto; font-family: Arial; font-size: 14.6667px; text-size-adjust: auto; white-space: pre-wrap;"><div><span style="-webkit-text-size-adjust: auto; font-family: Arial; font-size: 14.6667px; text-size-adjust: auto; white-space: pre-wrap;"><br></span></div>My </span><span style="-webkit-text-size-adjust: auto; font-family: Arial; font-size: 14.6667px; text-size-adjust: auto; white-space: pre-wrap;">poem pays tribute to Palestinian poet and academic Refaat Alareer, </span><span style="-webkit-text-size-adjust: auto; font-family: Arial; font-size: 14.6667px; text-size-adjust: auto; white-space: pre-wrap;">who was killed in an Israeli strike last week.</span><div><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>A UN resolution on Gaza's ceasefires,</i></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>Vetoed by one power, a situation dire.</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>Yes, Hamas must be condemned </i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>Let’s not forget others, </i></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>those who find excuses for human genocide</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>And those who turned a blind eye on such war crimes</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>And those who degrade other human as subhuman </i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>If condemnation outweighs the value of lives,</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>With 18,000 deaths, a grim toll in our sight, </i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>How many more innocent souls be deprived</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>And how much more children’s blood must be shed before compassion reigns?</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>So that the veto be exchanged for peace</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>And the heavenly lord will intervene and decree,</i></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>A peaceful resolution, a pathway we see.</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>May love prevail, and hatred be no more,</i></span></p><i><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;"></i><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>May the souls of heaven guide and inspire,</i></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><i>To move the inhumane and change the deaf minds.</i></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 14.6667px; white-space: pre-wrap;">.</span></p><p dir="ltr" id="docs-internal-guid-28a6bbdc-7fff-5fda-e74c-cbc2e074f9f0" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 14.6667px; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_b478_7049_fed9_d771" src="https://lh3.googleusercontent.com/d/13W-PbHal14ykcyKg6JP8VqFj9I1ktLVK" alt="" title="" tooltip="" style="width: 353px; height: auto;"><br><br></span><span style="font-family: Arial; white-space: pre-wrap; font-size: 14.6667px;">Refaat Alareer is a poet, professor and writer. His most famous works include one of his last poems, titled 'If I </span><span style="font-family: Arial; white-space: pre-wrap; font-size: 14.6667px;">Must Die', published a month prior to his death</span><br><br><br></p> </div>亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-70469204492231794102023-12-10T12:14:00.001+08:002024-01-15T10:25:15.223+08:00好經濟的背後<p dir="ltr" id="docs-internal-guid-e462663e-7fff-8748-8c96-881e80e60437" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" id="docs-internal-guid-e462663e-7fff-8748-8c96-881e80e60437" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">美國數據顯示經濟強勁,高息環境下軟着陸的scenario ,但人民的生活真相反影什麼?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">上週美國11月非農就業人口新增職位升至19.9萬,高於預期的18萬,10月新增職位15萬;失業率回落至3.7%,低於市場預期3.9%。失業人數達629.1萬人,較10月份的650萬人減少3.3%,帶動失業率下跌。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">而11月平均時薪按年升4%,符預期,按月則升0.4%,高於預期0.3%;勞動參與率升至62.8%。美國12月密歇根大學消費信心指數初值報69.4,遠高於市場預期62及11月的61.3。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">另外,第三季GDP修正值按季升5.2%,升幅較預期5%為多,初值為4.9%;第三季個人消費修正值為3.6%,較市場預期及初值4%為低。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">如果你聚焦看預期,就會感覺奇怪:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">- 新增職位高於預期</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">- 失業率低於市場預期</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">- 時薪升幅高於預期</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">- 修正的GDP升幅較預期多</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">大的數據都是好强勁,從整個畫面看,實質數據全面向好,打敗預期!這給人印象,不敢看淡!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">不過,人民的實際生活情況如何?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">根據11月份紐約聯邦儲備銀行數據,2023年第三季度,消費信貸報告顯示,抵押貸款餘額截至9月底為12.14萬億美元,較上季增加了1,260億美元,房屋信貸額(HELOC)餘額增加了90億美元,目前總額為3490億美元。 信用卡餘額目前為1.08萬億美元,增加了480億美元(4.7%)。 汽車貸款餘額增加了130億美元,延續了自2011年以來的上升軌跡,目前為1.6萬億美元。 學生貸款餘額增長了300億美元,目前為1.6萬億美元。 非住房餘額總共增長了930億美元。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><font face="Arial"><span style="font-size: 14.666667px; white-space: pre-wrap;">Household 債務全面上升:</span></font></p><br style="-webkit-text-size-adjust: auto;"><img id="id_8290_b101_1234_7d53" src="https://lh3.googleusercontent.com/drive-viewer/AEYmBYTa2fKcb7PQ2HRdGeG2s0uXEYxnuqTbO5ZU8u2nd1kKV2tsWT-4ySh-3OpsHvhlyGv6NZjkEx4Zd4He4eAeD_4pntEmAg" alt="" title="" tooltip="" style="width: 229px; height: auto;"><br><br><br>另方面,人們消耗自己的退休儲蓄401K:<div><br> <div><img id="id_c66e_6ac7_85a6_8b8b" src="https://lh3.googleusercontent.com/drive-viewer/AEYmBYS3VonRBGEiuuYLIHBjbhlvPuSwaeisRIbobkH4hfyp_PTss9WPDD8drs9bNRqw1j6F54kor0QVuMwrepkfSxhtkEE1-A" alt="" title="" tooltip="" style="width: 271px; height: auto;"><br><br><br><br><p dir="ltr" id="docs-internal-guid-8dc5f9a4-7fff-4ddc-05d8-ca9ba3dc6945" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">根據富達最近的一份報告,第三季度平均401(k)餘額下降了4%,而提款和貸款均有上升。</span></p></div></div><div><br></div><div>經濟強勁的數據背後,其實是人們借貸渡日和消耗退休儲備。</div><div><br></div><div>其實,2016年去美國旅遊時已感覺,經濟繁華的背後,人們的生活低於預期,街上看見很多數百磅痴肥的人,他們吃過多垃圾食物如麥當勞、即食的包裝食物等等。如果你明白一個道理,人越有錢,越注重養生,便會明白我為何會有此看法!</div><div><br></div><div>最近兩個名人,著名投資者芒格和曾任美國第三把交椅的前國務卿基辛格,以百歲之年過身,希望兩位RIP, 不是要抽水,但事實上美國人民的平均壽命為75歲,人的壽命也是可以錢來延長!</div><div><br></div><div><br></div>亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-36193219340753455112023-11-29T17:25:00.001+08:002024-02-20T20:31:39.547+08:00遇貴人<p dir="ltr" id="docs-internal-guid-279643ba-7fff-e2e4-5d4a-1a93aaf0b1e7" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" id="docs-internal-guid-279643ba-7fff-e2e4-5d4a-1a93aaf0b1e7" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><img id="id_3555_8c3_4789_b388" src="https://lh3.googleusercontent.com/d/1mRfU_dFwa2GUxyON3kUroeL7OIg04hh2" alt="" title="" tooltip="" style="width: 287px; height: auto;"><br><br><br><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">價值投資不單止是有關懂得閱讀財報表、行業發展和未來企業發展前景,其中一個重要要求是看團隊、創辦人、一間公司的董事等等,換句話說,我們要識睇人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">不知您有沒有經歷過在人生路上,遇到一個人或一些人,他們講一句話,做些少事情幫你一把,人生就完全改變,彷彿是你人生的轉捩點?因此懂得睇人,不單止是有助你評估一支股票的價值投資,還可能會幫你遇上改變一生的貴人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我很相信,當一個人經常兇神惡殺對待別人,很大機會是他也鬧走很多可能的貴人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">有些人見高拜見低踩、向錢看,但很多時真的能為你走多步,幫你一把,其實只是普通人,你跟他說出問題,他會說:「啊!我介紹一個朋友給你….」可能這聯系的聯系,便是你的貴人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">又有另一種人很保護自己,總是有距人於千里之外的感覺,很大可能是,別人想幫也無法幫,因為根本溝通不到。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">因此,我認為一個人能否遇到貴人,其實很視乎你自己怎樣對人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">好人會遇到好事,當你擁有正能量,面對不如意的事都能從好的方面想,壞事總會過去,從困難中學習,累積經驗及改良後,總會找到更好的。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">看一個人,最重要是看他做的事情,有些人很會說動聽的話,向人展示自己很有錢,表面看來是個成功人士,而這正正吸引另一些想抄襲「成功」的方程式,通常騙子都是以此方式騙人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我經常在想,FTX的創辦人Sam Bankman Fried 怎樣可以呃到那麼多人?很多人衡量一個人成功與否,除了看他是否很有錢,還看他身邊的人都是知名人士和擁有高社會地位,以為這些有錢有地位的人都是可信的人,或他們已做了due diligence, 他們不會錯,其實騙子最喜歡這樣埋堆,讓你錯覺他也是這堆有錢人。我認為最重要還是看他做些什麼出來,從他做的事情看他是一個怎樣的人,這會比較穩妥。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我是不是很懂看人?我諗….人生中做得最錯的事情,是明知是錯,還在找藉口,不過,最重要是吸收經驗和懂得檢討自己,人生只要做對一次,遇上一個對的人,便真的能夠改變人生,走向更好的路。</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-61204298191094640632023-11-20T17:10:00.001+08:002024-02-20T20:32:15.148+08:00思維決定境界 再評論香港創新科技的土壤 <p dir="ltr" id="docs-internal-guid-e2e8dcf5-7fff-4623-39ac-cd5b78da7568" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">早兩日在ViuTV新聞看到記者訪問在矽谷搞初創公司的創辦人,他是香港人,他多次成功以億美元賣出他的startup 公司,他對記者說,他認為香港沒有搞創科的土壤。曾經有谷友說:在香港搞創科難度很高⋯⋯這其實不是我第一次聽,我以前也寫過數篇有關文章。事實上,全世界最出名生產無人機的DJI(大疆),創辦人是香港人,但由於不能在香港測試,最終落戶內地,成為內地公司。你可能會說:「這已經是很多年前的事,現在政府加大力度推動發展,財政預算預留資金開拓土地發展創科云云….」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我膽敢說,不要說想追得上矽谷,甚至連南山也追不上!不知有幾多人去過南山,我建議未去過的應該去看看,自己親身體驗一下。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">為何我不看好香港?我舉一個很實際的例子,爭議多年,明明是以創新科技突破的士行業,卻被貶成只是幾十年前的白牌車的Uber是我想說的例子。 不知道官員有沒有試過call Uber, 應該沒有,因為這是非法取酬載客。但它只是白牌車嗎?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">大台的星期六檔案訪問的士聯會副主席(類似這些聯會),他自己都在搞網約的士,即是說,互聯網的確在突破行業發展,沒有Uber,這些的士團體根本不會想改革!沒有迫切性,為何要改革?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">訪問中師父說,政府多年前發牌,如果引入競爭,的士牌便不會值錢,除非政府買回所有的士牌照!換句話說,政府要對投資包生仔!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">幾十年前的制度,硬要繼續下去,壟斷行業,服務態度差,逐個客問去邊,以交更為藉口揀客,下午三點鐘都話交更…. 以前都寫過好多,仲有幽靈的士,坐足全程都沒見過樣子,沒一句說話,下車付費也沒轉過身來,一句說話都沒….. 可能,當他轉過頭來,是一個沒有面孔的靈異司機!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">星期六檔案也訪問了一名內女生,她曾在香港讀書,現在已回深圳,但她每週末都來香港行街,她說:全程只會坐地鐵、巴士,不會坐的士,因為當的士司機知道她是遊客,便可能會兜路,被人像羊般屠宰, 她認為只是來旅遊,不想影響心情⋯⋯</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">世界在改變,但這些舊制導至行業壟斷,既然沒有競爭,服務如何差勁,錢還是收硬,何需改革?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">話說回來,究竟Uber是否只是白牌車?如果官員未試過call Uber, 自己應該試試!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">為何uber有市場?其實,市場想多付一個premium, 以求坐一程安心又不用受氣的車程,為何不可?</span><span style="font-family: Arial; font-size: 11pt; white-space: pre-wrap;">Uber除了在app call 車,還有GPS 追蹤功能,例如晚上跟女性朋友去蘭桂坊玩,深夜時分call 車送她回家,自己可在app追蹤她的車是否按預定路線行走,不用擔心她上了黑的。這實在是一種改革,disruption!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Uber是矽谷創投的產物,試想想,在香港能否出產Uber 這類突破行業的新app? 當然不能,那些Uber 司機都被告非法取酬截客….. 這不是創新,什麼才是創新?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><font face="Arial"><span style="font-size: 14.666667px; white-space: pre-wrap;">若沒有Uber, 的士行業還是會被網約巴士突破壟斷,你也可說只是巴士一架,沒什麼創新…..</span></font></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><font face="Arial"><span style="font-size: 14.666667px; white-space: pre-wrap;"><br></span></font></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">創新必然會突破法律框架,所以都必然是非法!再回看大疆的例子就知….</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">試想想,如果沒有Bitcoin ,你估銀行會不會發展fps? 今天吃飯挾錢,我們只需掃對方戶口的二維碼便可即時過數,方便快捷!明明是外來的科技帶來競爭,倒迫行業改革,卻將科技說成幾十年前都有的產物,這樣的思維,何來有創新?思維決定境界,不能突破思維便不會有創新科技。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com3tag:blogger.com,1999:blog-6472492327102302557.post-26400578464043326352023-11-10T18:54:00.001+08:002024-02-20T20:35:04.969+08:00此高牆、彼高牆<p dir="ltr" id="docs-internal-guid-b9c2683b-7fff-d555-639e-c3e6ff243b52" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">早前去福岡旅遊,曾到進擊之巨人博物館朝聖,博物館入口有幅相,是三個小孩望着高牆的銅像,原來這銅像不在博物館,看了這幅相令我想起加沙地區的高牆。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><img id="id_d886_cc9c_7696_3a49" src="https://lh3.googleusercontent.com/d/1eaaDeVgkxWp4f7emLNifxheMJEHvObBn" alt="" title="" tooltip="" style="width: 187px; height: auto;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我沒有完全看罷進擊之巨人的所有電視series, 我看的版本中有些是日文版英文字幕的網絡版,所以也不完全明白內容,但這套動畫series其實包含很多政治反射,我認為絕對是一套經典的電視動畫series,所以自駕遊去別府也專誠去拜訪博物館。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">很多人可能都看過電影版,那是第一套電視動畫series 的濃縮版,故事大概是一班小孩住在高牆內,孩子都很想知道牆外的世界,其中主角艾倫(Eren) 和米卡沙是好朋友,立志要成為特戰部隊,終有一天能夠走出高牆,牆內比較年長的少年都要參加對付巨人的武器訓練,有一天終有巨人爬過高牆,艾倫被巨人咬了,之後也變成食人的巨人,但他是保護人類的巨人。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">電視動畫版有很多series, 我記得最後我看的一集,幾個主角都長大後成為特戰隊到高牆外面與巨人戰鬥,而他們發現高牆外面的人其實都是自己人!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">這高牆令我想起以色列和加沙走廊邊境的九米高隔離牆,很多人以隔岸觀火看以色列攻打加沙地區這場戰爭,究竟這只是以哈戰爭、定還是以巴戰爭?說以哈戰爭似乎是想限制這場戰爭為以色列和哈馬斯之間的衝突,淡化了住在加沙走廊的200萬巴勒斯坦人長達70年被高牆圍困,試想想在高牆裏出生的孩子,如何想像外面的世界?可能從沒想過高牆外面的人,其實跟自己一樣都是自己人!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">最近在YouTube 上看見曾被哈馬斯虜走,及後最早被釋放的以色列母女,其中的年輕靚女拍片講及加沙和西岸的高牆內的狀況(下面有片),她說:這區的高牆都滿佈監控CCTV和自動射殺的槍, CCTV向着人們的屋內,AI的鏡頭對準所有人,雖然她很擔心自己未被釋放的家人和朋友,但她認為世人是應該知道牆內人活得不似人的生活,最後她傷心地哭了出來。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我不認為她是因為家人受威脅而說出這些話,反之,她正在冒着家人被以軍轟炸,甚至可能被殺人滅口,她仍然勇敢地說出真相,令人傷心的真相。事實上,很多以色列人都反對這場戰爭!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><a href="https://youtu.be/OoUDdnGl5n0?si=6mmI63LcszcYHo0V">https://youtu.be/OoUDdnGl5n0?si=6mmI63LcszcYHo0V</a></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br><iframe src="https://www.youtube.com/embed/OoUDdnGl5n0?si=6mmI63LcszcYHo0V" width="500" height="281" id="y_id_7bc0_60f6_4fbf_ea7c" frameborder="0"></iframe></span><br></p> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-27805152475253519022023-11-06T19:19:00.001+08:002024-02-02T20:08:30.884+08:00Startups想獲取VC 投資前必須知道的事情!<p dir="ltr" id="docs-internal-guid-f21317a7-7fff-de64-56ff-61212137add9" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我的讀者都知Volitium 的創建和運作資金全由創辦人獨力支撐, 沒有收取任何外部資金。我們會不會向VC 申請?上週10月31日和11月1日兩天都去了數碼港舉辦的Cyberport Venture Capital Forum,且聽聽VC投資者如何說和會內有觀眾提出一些關鍵問題,讓香港的startup公司好好思考自己的路向,不要對VC funding 持太多的幻想,最後我會說出我的想法。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">CVCF的第二天11月1號尤其重要,兩位講者是VC投資者,兩人各講1小時,答問題半小時,他們分別說出自身的初創公司經驗和他們投資初創公司時的評審標準,第一位講者主要說出評估的red flags 和 green flags (警號和可行訊號),接受VC 投資的pros and cons (好處與壞處),第二位講者講及自己的初創和擴展業務的經驗(from startup to scale up);由於我沒有寫筆記,所以這裏只能簡單概括幾個我認為重要的重點:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">第一位講者一開始已指出,每天都收到過千份Startup的business proposal, 但實質獲得VC投資的成功率很低。例如VC收到3000份申請,他們只會篩選其中200份,再在其中找出大概20個出來見面interview, 最後成功獲得VC 投資資金只得兩、三個。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Red flags and Green flags to investors : </span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">1)不會投資競爭大的行業</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2)項目有沒有擴展能力;例如你開一間美容公司,你只有一對手,一日時間只有24小時,擴展能力有限,所以VC不會考慮</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">3)項目對社會產生重大影響;例如AI作為創作和硏究助手,讓人類生產力增加,從而產生價值,這是他們喜歡的項目</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">4)項目是否新範疇,VC 資金投入後能否快速增長?</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">5)團隊的組合,例如是一個專注做技術,另一個善談和擁有人際網絡</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">6)絕對不會投資團隊內沒有技術成員可以實現他們所提出的項目。講者舉出例子,她見過一個四人團隊向她推介應用程式項目,但當中沒有一個是技術人員,當問及如何開發,他們說會外判,講者指出,如果外判技術,若應用程式出現問題,便無法找到人即時解決問題了。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">7)要有業績,至於幾多業績才會吸引到投資,講者無法提出一個定額,有時只需要幾個肯付費的人,其實是要視乎個別項目,但「賺錢」並不是必要條件。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">8)創辦人以lifestyle 形式發展項目並不是VC 會投資的項目</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">9)團隊很多爭議是一個警號</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">10)投資期為三至五年,不會多過十年</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">11)很多startup以bootstrap 形式每兩年便要fund raise ,但VC 認為fund raising 是很花人力物力,他們寧願初創公司一次過提出合理資金要求,然後多花時間經營業務,幾年後才再作提出第二輪fund raising。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">筆者:一言以蔽之,VC喜歡有新亮點及有潛力快速增長的項目。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Pros and cons:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Cons:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">1)VC 投資時,他們會拿取初創公司的股份,當心太多VC投資會溝淡初創公司的股權,最後初創公司會失去自主權 (Me thinks: 變成開公司來幫人打工</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2)VC可能會禁止初創公司創辦人賣盤,初創公司便會被迫經營下去。(me: 又是變相被迫幫人打工)</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">3)小心企業投資者,他們投資的目的可能只是想最終收購您的公司(me: 又是變相開公司幫人打工)</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Me: 我們周不時聽過,創辦人被切換,然後VC 另聘Vice President,便是由於VC投入了資金,創辦人失去控制公司的能力,甚至被炒!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Pros: </span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">1)如獲得VC 投資,他們提供資源和生態圈,startup成功的機會較大</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">2)VC 可提供人脈網絡</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">3)有名氣的投資者作為背景,市場的信任度增加</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">4)startup的成功機會率高的原因是,一切都是成功率的statistics ,而VC 經驗豐富,他們都掌握了這些數據</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">由於講者背景是AI研究出身,曾經幫OpenAI開發,會後有觀眾問:「以現時中美政治博弈,美國對中國晶片出口諸多限制,我很擔心在香港發展AI產品會很難找到投資?」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">講者答:「是的, 中美政治博弈的確會影響VC對香港AI項目的投資,因為我們都不想涉及政治博鬥,可能您可考慮向亞洲、歐洲投資者詢問….」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Me: 之前有些VC mentorship for women founders 在香港舉行,但今年卻沒有舉行,我也有這個想法,投資者都不想涉及政治博弈,什麼可以投資或什麼不可以投資,為免麻煩,還是避開為上!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">第二位講者是曾經在香港創業的外國人,現成為初創投資者,令我最深刻的說話是:</span></p><div><br></div><font size="5">1)「Why you? Why now?」</font><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><font size="4">2)「VC投資會溝淡您的equity,如果可以,最好拿沒有equity要求的資金,例如政府資助」</font></span></p><font size="4"><br style="-webkit-text-size-adjust: auto;"></font><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><font size="4">3)通常初創公司</font></span><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">的創辦人都以兩至三個開始,組合最好是一個較年長和一個年輕人,他自己是這個組合開始,因為年紀較大的會較多經驗,做事較謹慎,但壞處是遇到困難可能會較容易驚和退縮,而年輕人較有跨越困難的勇氣!講者提到他的合夥人現時已八十幾歲,他們年紀相差30年。(me: 很有趣的點子)</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">有觀眾是crypto fund 經營者問:「crypto 現時環境下如何取得silicon valley 的投資?」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">講者答:「FTX事件之後,美國人的信任度低,監管又不明朗,我看是很難在美國找到投資,或者你試試香港、英國…..」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Me: 「其實他一開始已經講了重點!」</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我們創辦公司,目的是幫人解決問題,從而產生價值,並從中獲得回報,如果一開始便想着找VC投資,其實是否本末倒置?所以我決定自己走自己路,自己睇餸食飯!</span></p><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-30229439161388811552023-10-28T15:29:00.001+08:002023-10-28T15:50:57.412+08:00After the Volitium testnet, here are some updates 審視Volitium 測試版後的一些想法<p dir="ltr" id="docs-internal-guid-9ae080b2-7fff-f045-8a4f-4fecfac13586" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Time flies! It's been almost two months since the Volitium testnet was launched. I wanted to update everyone who joined Discord, as well as our friends and followers, on the recent progress of Volitium. I will first write in English, as we have some friends coming from the Cosmos community, and then I will provide Chinese translations below.</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">I want to assure everyone that Volitium is still alive and navigating through the bearish crypto market without hesitation. In fact, this is the best time for us to build things.</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">I will recap the main purposes of Volitium. Firstly, Volitium is a messaging app aimed at regaining control of privacy in private messaging. Secondly, we want Volitium to be a tool that ordinary people will use to reach agreements. In other words, the Volitium app is tailored for the general public's use. However, during the initial testing stage, we have found that we are far from fulfilling those purposes.</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Recently, we have been greatly disturbed by WhatsApp video calls from strangers and messaging scams, which make us potential victims of online fraud at any time. This is why I believe people should reconsider the privacy of their messaging apps. Prior to the Volitium testnet, I thought people would prioritize privacy, but I have come to realize that this may not be the case. When faced with the choice between convenience and privacy, people often choose convenience over privacy. We have to accept the fact that it is difficult for us to shift communications with friends and relatives. WhatsApp is here to stay, regardless of how annoyed we may feel with their services. Furthermore, it is challenging to change a habit once we have become accustomed to it. We anticipate that achieving the first goal of Volitium will remain difficult in the near future.</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Regarding the second purpose, we even struggle to get people to create wallets. Despite the fact that creating a crypto wallet is necessary to enter the world of Web 3, it appears to be a high barrier for the general public, and we must accept this reality.</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">I must admit that even with the best intentions, if we cannot execute them, they serve no purpose. In order to enable more people to use our app, we will focus on developing an app that resolves the cumbersome process of creating a wallet while ensuring user anonymity and privacy.</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">中文版:</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">時光飛逝! Volitium測試網已經推出快兩個月了。 我想向所有加入Discord的人以及我們的朋友和追隨者介紹Volitium最近的進展。 我將首先用英語寫作,因為我們有一些來自Cosmos 社群的朋友,然後我會提供中文翻譯。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我想向大家保證,Volitium仍然活著,毫不猶豫地在加密市場熊市中向前航行。 事實上,這是我們創建的最佳時機。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">讓我們回顧Volitium創建的主要目的。 首先,Volitium其中重要目的重奪私人訊息的隱私。 其次,我們希望Volitium成為普通人用來達成協議的工具。 換句話說,Volitium應用程式是以公眾為主要用家。 然而,在最初的測試階段時發現,我們遠遠沒有實現這些目標。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">最近,我們對陌生人打來的WhatsApp視像通話和訊息詐騙感到非常不安,這使我們隨時成為線上欺詐的潛在受害者。 這就是為什麼我認為人們應該重新考慮其訊息應用程式的隱私。 在Volitium測試網之前,我以為人們會優先考慮隱私,但我已經意識到情況可能並非如此。 當面對便利和隱私之間的選擇時,人們往往選擇便利而不是隱私。 我們必須接受這樣一個事實,即我們很難遷移所有朋友和親戚的溝通。 無論我們對WhatsApp的服務多麼不滿,我們還是繼續使用WhatsApp。 而且我們很難改變習慣的舒適圈。因此我們預計,短期內實現Volitium的第一個目標仍然是困難的。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">關於第二個目的,我們甚至努力讓人們創造錢包。 儘管建立加密錢包是進入Web 3世界所必要的,但它似乎對公眾來說是一個障礙,我們必須接受這個現實。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我必須承認,即使有最好的意圖,如果我們不能執行,它們是毫無意義。 為了使更多人能夠使用我們的應用程式,我們將專注於開發一個應用程式,解決建立錢包的繁瑣過程,同時確保使用者匿名性和隱私。</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-7115106038407086502023-10-22T18:43:00.001+08:002023-11-27T13:47:55.924+08:00世上沒有無風險的投資,只有忽略風險的投資人 <p dir="ltr" id="docs-internal-guid-62f767e6-7fff-3299-5857-e59f96c35ca4" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">剛聽完止凡Patreon 獨家的影片,說出了大眾視美債為無風險投資的誤解,這是跟進早前匯君live的時候,很多人問的問題都與投資美國國債有關,問題中更有不少人提及「無風險」,但他們究竟知不知道何謂risk free? 其實從問題的字裏行間,大概得知根本是一場誤會。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">以前很少香港人投資債券,為何近期忽然很多人有興趣 ?原因是坊間認為美國加息周期將近見頂,隨之而來是減息,美國國債價格便會上升,他們認為現時是買債的好時機,我在facebook 見到一些KOL這樣推測,我想強調這只是推測,是speculation, 跟賭大小沒分別,因為實際利息如何走向,可能連美聯儲都要看到關鍵數據才知曉,才會作出調整。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">利息將近見頂是事實,但未來利率會在高位持續多久還是未知之數。雖然美聯儲調整息率主要看兩個數據:通脹和失業率,但影響這兩個數據的因素很多,失業率看來很強勁,根據美聯儲主席耶倫早前訪問時說:「美國經濟很好」(American economy is extremely well),但如果你問美國人,他們的答案卻是另一回事,他們的儲蓄正在下跌,個人債務違約增加,這些數據正在反影一些底層問題,但這是否代表經濟很快會轉差,減息在即?又可能是未必,因為服務業的通脹反映出黏性很強,下跌速道緩慢。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">另方面,巴以戰事如箭在弦,美國在中東地區駐守了航空母艦,以色列召回海外公民回國備戰,正部署進入加沙作出地面攻擊,黎巴嫩和伊朗真主黨將會被捲入戰爭,看似戰爭一觸即發。戰爭又會令到美元美債成為避險資產,美元走強,可能有助抑制輸入通脹,利息可能未必需要再加。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">然而,地面戰一旦開始,很可能是一場血腥的游擊戰,若美國被捲入戰爭,與及戰事拖延,油價和食物通脹影響如何,都是未知之數!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">以巴戰事膠着,再加上俄烏戰事持續,兩項戰事同時進行,我相信世界貿易必定受影響,世界經濟不景氣,加上戰事帶來的通脹,息率高企會持續多久?真是天知道!戰爭軍事消耗會否加深美國財政赤字?強美元還可以持續嗎?又是一項未知數⋯⋯</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實,投資美國國債,投資者要對宏觀經濟有所睇法,並非只是看利率趨勢,若不認識而盲目以為無風險的投資,其實投資風險不比股票低。在2022年9月曾經寫過一篇文章「<a href="https://luan-invest.blogspot.com/2022/09/blog-post_28.html?m=1" id="id_f796_14b7_cce0_5cf6">最危險的投資</a></span>」<font size="5">,我便指出,最危險的投資是你不知道它的風險,無論是買樓、抑或是買股票、還是買國債、或是買比特幣,所有投資都需要你熟悉你的投資標的,熟悉就是要長時間做功課。</font></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我經常聽到人說,不認識crypto ,所以不投資。但事實卻是,對於散戶而言,所有投資都並不容易理解,全都要花時間去學習和長期浸淫,還要懂得因應變化而不斷調整。這世界並沒有一本通書睇到老,也沒有無風險的投資,只有看不到風險的投資人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">最近看完了Duncan的新書「AI 投資時代— 真的值得參與」,我深深領會到,投資AI股票,也是不容易(我遲些會寫閱後感)。之前看罷了「科技戰國 」一書,對半導體行業認識多了,但還是要更多深入知識才能作出投資決定,我的想法是,投資半導體公司的股票也是不容易,所以不要以為只是crypto 技術難理解,所以不投資,事實是,所有投資都不容易理解,不打算花時間學習便不要投資了,存定期更好呢!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com5tag:blogger.com,1999:blog-6472492327102302557.post-91128411066572319672023-10-07T13:27:00.001+08:002023-11-27T14:12:01.222+08:00孤注一擲發人深省的問題(劇透慎入)<p dir="ltr" id="docs-internal-guid-58e58bb5-7fff-e5b0-f386-b1dff6d94dac" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">好多人看了標題可能會以為我想講詐騙集團得逞的問題,但其實我想講的是為何會那麼多詐騙短訊,想討論的是手機保安問題。作為一個正在經營有即時通訊功能的應用程式的創辦人,我相信我的領會是值得大家深思。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">首先一些劇透,很多人看了一些影評都知,這是有關KK園的內地電影,影片開首是講述一個IT人潘生在公司大會等待公司公佈升職為技術總監CTO,同事們都一至看好他,但公佈的時候卻是另一個名字,潘生憤而拋下職員證辭職離開,並在會場外以自己的手提電腦hack 入大會的螢光幕出示作嘔🤮的emoji和一大堆不滿的表情emoji, 在短短的一分鐘劇情已交代他是一個超凡的IT精英。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">然後是潘生獲得海外公司聘請,在飛機上同行還有四人和領隊,到步時領隊聲稱要幫他們辦理手續,所以要收起他們的護照,各人不以為然都把護照交給他,到步後一起找地方娛樂一番,在路上一窄巷突然被多個持木棍人士包圍,然後被打及蒙頭被帶上車,頭套被揭開的時候只見到是一所小學,外面有小學生穿着校服在玩球,再入內面便是詐騙工廠,內裏有很多人,各人都在電腦面前工作….. 途中見到一些人被打及被電激,這些人都是想逃走的人。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">一次潘生在廁所意外遇上安娜,安娜原本是一名廣告模特兒,因被朋友騙來這裏,潘生承諾幫安娜很快完成五百萬業績,以換取安娜出到外面幫他報警….</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">他們的工作都是騙人參與網上賭博和各種外圍賭波,接觸的方法都以短訊接觸,受騙人初期都能贏錢,結果越輸越多,甚至以百萬計!是一門大生意,被綁架的人做久了都發覺搵到錢,慢慢都接受現實,轉為自願參與詐騙。人類的行為都是這樣,改變不了現實,便得改變自己!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">這個集團涉及的還有軍方、警察、出入境海關都有內應,逃走非常困難。劇情有很多令人意外的發展,我認為是一套很好的影片,值得推薦。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br></span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我看完電影之後,第一個打從心裏想着的問題是,為何近年那麼多電騙及詐騙短訊?我上篇文章提到WhatsApp 要求視像的不明來歷電話,每天很多3字、5字、6字頭不明來歷的電話打來,有些情況是,你一接電話,他便收線,感覺似是由程式操作的試探電話,另WhatsApp 經常收到一些不雅短訊,亦有一些只講「Hi」,這些不明來歷電話和短訊已經造成滋擾,非常惱人,為了避免受騙,不在phone book內的電話號碼打來,一律不接,而這些不明電話打來的次數是多過我自己親人和朋友的日常電話,大大妨礙電話的正常用途,我甚至質疑,我們手機的真正用途還是否有效?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><br></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">我現在使用一種很有效的方法,那就是把不認識的來電話號碼靜音,那麼,他們打來也不會震機,感覺沒那麼滋擾,大家可以試試。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">如果大家還記得最初使用WhatsApp 的時候,對方是要透過email 要求加入WhatsApp 通訊,再後來是要將手機電話號碼加入Favourite, 才能互相通短訊,即是說,通訊都需相方確認。但近來是任何人只要有我們的手機號碼都可以向我們發短訊!這大大方便了商業發送短訊,因為近兩年WhatsApp 向商業用戶收費。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">當任何人只要有我的手機號碼都能向我發送WhatsApp 短訊,那當然還可以跟我視像了,當一時錯手按錯制,我的容貌便有機會被cap下來,AI完成製作整體容貌,聲音被錄下來,已經可製成詐騙影片了,很恐怖的事情!有片未必有真相!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">另一問題,近年很多要求掃二維碼, 疫情時入商場、入酒樓、各種公眾地方都要用手機掃二維碼,手機落單又要掃二維碼,很多老人家本來不適合使用手機,卻都被迫使用,而他們是最容易亂按制,手機內的電話簿被入侵,這便是為何詐騙電話、短訊無日無之的原因。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">有些人以為Telegram較安全,起碼我們以為可以收藏自己手機號碼,但當這些短訊軟件都以我們的電話簿連結至我們聯系,只要有其中認識的用戶的戶口被騎劫,他電話簿內的聯系都有被入侵的機會!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">曾經試過有朋友(假名John)換了電話咭,而他的舊手機號碼被電訊商重售,當舊手機號碼登入Telegram, 我被通知John join 了 Telegram, 由於John沒有通知我換了電話號碼,我以為是John, 便跟他打招呼,他沒有回應,我才知不是他,而我跟他對話幾句,便很大機會洩漏個人資料了。</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Signal 也有類似情況,曾經有白撞跟我通訊,她說:「My uncle told me to contact you」(我的叔叔叫我聯絡你),我看了一看profile 相片,不認識, delete! 可能都是朋友的電話號碼簿被洩漏了!</span></p><br style="-webkit-text-size-adjust: auto;"><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">一言以蔽之,都是手機號碼滿天飛惹的禍。</span></p><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"><br style="-webkit-text-size-adjust: auto;"> 亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0tag:blogger.com,1999:blog-6472492327102302557.post-41568575389016793952023-10-03T22:09:00.001+08:002024-01-15T14:34:18.598+08:00歐盟的滯脹<p dir="ltr" id="docs-internal-guid-44604d1a-7fff-9c8d-7b61-c2241660c172" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">曾經想分析EU在不斷加息的情況下控制通脹的能力,轉眼間已經一年了,現在大概看到加息的效果如何。</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">EU由2020年0息年代,EU央行ECB連環加息,直至2023年9月,EU利率升至4.5%,EU長期奄奄一息(奄下奄下得番一厘息),現利率返回22年高位!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"></span><br /><br /><br /><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4sU5ZRg7FMsuFBFzwJj0vKG_zv3h-lKPdZdMX2f6dyudUBXXUoygTP9xHFPKqYMxol-nWw0kFNzFenl_dVg7mBlgP90HW1U01CxzbeDtJXQBtOGPW9R4mJRsdVuyauENgc0726pq25RgrwZjVBYENuurNVlsa4Rz8S4Rm_nzTbTsBaIG7x8O8xvDXVOw/s1089/EU%20Interest%20rate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="639" data-original-width="1089" height="188" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4sU5ZRg7FMsuFBFzwJj0vKG_zv3h-lKPdZdMX2f6dyudUBXXUoygTP9xHFPKqYMxol-nWw0kFNzFenl_dVg7mBlgP90HW1U01CxzbeDtJXQBtOGPW9R4mJRsdVuyauENgc0726pq25RgrwZjVBYENuurNVlsa4Rz8S4Rm_nzTbTsBaIG7x8O8xvDXVOw/s320/EU%20Interest%20rate.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" id="docs-internal-guid-ca1ea757-7fff-12dc-0c4f-feec249c22eb" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">ECB連環加息,EU通脹由2022年10月11.5%高位回落至5.9%,但6月、7月和8月通脹回落幅度較慢,顯示通脹頑固,然而經濟增長下降得很快,實質GDP已進入滯脹。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br style="white-space: normal;" /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrz_CBwOaORAoNpAR-dGO-ldXM2oSmjulhbJfrLtX0n1dWCW6XJeX0mCZ5FaLvwg9nYvu8Ma6_05kz7ijGgyhsQR-h0IO14O9_ckBY0_p_ZhwUp6V3D6WNZCmKXdhRJcWYMRXKf-421r9laYbb5YgJEbqzjMgH-n3dYJb6aV1UG7CZolSqn_Sn09ASLUk/s1000/EU%20inflation%20rate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="598" data-original-width="1000" height="191" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrz_CBwOaORAoNpAR-dGO-ldXM2oSmjulhbJfrLtX0n1dWCW6XJeX0mCZ5FaLvwg9nYvu8Ma6_05kz7ijGgyhsQR-h0IO14O9_ckBY0_p_ZhwUp6V3D6WNZCmKXdhRJcWYMRXKf-421r9laYbb5YgJEbqzjMgH-n3dYJb6aV1UG7CZolSqn_Sn09ASLUk/s320/EU%20inflation%20rate.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><br /><p></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" id="docs-internal-guid-4535632d-7fff-c84d-7dc6-a0caff8da88c" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">即使扣除波動性較大的能源和食品價格,核心通脹也不見得因大幅加息而大幅回落。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br style="white-space: normal;" /></span></p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmg1tAu4mNl8RNMU4iIVAfn-pkPumxTCu5h6Ix_NY_vq0wXEFSTuAeuigSQZgu1_SySWFv5gkaUoklFOKFGGgvNUUeGGbg4wHKrxLBIckVX-l0en_8z3jIYvTacPXsxG3YYGOWGZ8tblrW1k-dIzkQe3GAZoManOgVQGKkWyWe_hX2PTLC-yCcecu_0-Y/s1053/EU%20core%20inflation%20rate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="598" data-original-width="1053" height="182" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmg1tAu4mNl8RNMU4iIVAfn-pkPumxTCu5h6Ix_NY_vq0wXEFSTuAeuigSQZgu1_SySWFv5gkaUoklFOKFGGgvNUUeGGbg4wHKrxLBIckVX-l0en_8z3jIYvTacPXsxG3YYGOWGZ8tblrW1k-dIzkQe3GAZoManOgVQGKkWyWe_hX2PTLC-yCcecu_0-Y/s320/EU%20core%20inflation%20rate.jpg" width="320" /></a><br /><br /><br /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"></span></p><p dir="ltr" id="docs-internal-guid-20f57788-7fff-276c-2073-c0bec1fab578" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">食品通脹影響人們的生活較大,雖然食品通脹從高位17.8%有所下降,但仍然處於雙位數增長10.68%</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9xeBJf2sCJNtsCzJ2d4vtrQShhiaheYZOuMEYU-2BQnzh1Qk3VIAA-odzMnVfyRGLxrjFd7pb_aqXMCByGXeZ_yYUIrwch8thdVXuS2HB7zPEpVcILSNu93ukjn5RdgEf0cjtgTSM3MHiKmZNL53tpWmVwSA5UDPdS_2IR63NfPsAXoJoXdnqabIJxto/s1097/EU%20food%20inflation.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="638" data-original-width="1097" height="186" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9xeBJf2sCJNtsCzJ2d4vtrQShhiaheYZOuMEYU-2BQnzh1Qk3VIAA-odzMnVfyRGLxrjFd7pb_aqXMCByGXeZ_yYUIrwch8thdVXuS2HB7zPEpVcILSNu93ukjn5RdgEf0cjtgTSM3MHiKmZNL53tpWmVwSA5UDPdS_2IR63NfPsAXoJoXdnqabIJxto/s320/EU%20food%20inflation.jpg" width="320" /></a></div><br /><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span><br /><p></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"></span></p><p dir="ltr" id="docs-internal-guid-f74307fe-7fff-c304-86a9-92ecf53c2eed" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">長時間的通脹蠶食人們的消費能力,零售銷售已多個月錄得按年負增長:</span></p><p dir="ltr" id="docs-internal-guid-f74307fe-7fff-c304-86a9-92ecf53c2eed" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" id="docs-internal-guid-f74307fe-7fff-c304-86a9-92ecf53c2eed" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg664QUjVlBkWbC6wjyDLwmpkINWhyphenhyphennZSIOd7HKarvlbDCPqilywZJXrZqCJaOmhXP6aW8oUQZBUz56__IbMPbt6SY0YpQhBGz4-ZnqwAOJLnTCCeBJjR0tqJnYq7BreZb411lIwK-Y7FwA3FZOlMxALsQ1AJVTB6TPKuvuMWJmf_tKsmWjkCog9ijl7kE/s1077/EU%20retail%20sales.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="695" data-original-width="1077" height="206" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg664QUjVlBkWbC6wjyDLwmpkINWhyphenhyphennZSIOd7HKarvlbDCPqilywZJXrZqCJaOmhXP6aW8oUQZBUz56__IbMPbt6SY0YpQhBGz4-ZnqwAOJLnTCCeBJjR0tqJnYq7BreZb411lIwK-Y7FwA3FZOlMxALsQ1AJVTB6TPKuvuMWJmf_tKsmWjkCog9ijl7kE/s320/EU%20retail%20sales.jpg" width="320" /></a></div><br /><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /><br /></span><br /><p></p><p dir="ltr" id="docs-internal-guid-f74307fe-7fff-c304-86a9-92ecf53c2eed" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" id="docs-internal-guid-c7d9065d-7fff-0d98-fd28-0fe4ecd064f8" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">個人消費佔GDP 的比重為50%,因此疲弱的零售大概能預視未來經濟狀況。</span></p><p dir="ltr" id="docs-internal-guid-c7d9065d-7fff-0d98-fd28-0fe4ecd064f8" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" id="docs-internal-guid-c7d9065d-7fff-0d98-fd28-0fe4ecd064f8" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><font face="Arial"><span style="font-size: 14.6667px; white-space: pre-wrap;">歐盟第二季GDP 年增長率(annualized GDP) 為0.1%</span></font><span style="font-family: Arial; font-size: 14.6667px; white-space-collapse: preserve;">。</span></p><p dir="ltr" id="docs-internal-guid-c7d9065d-7fff-0d98-fd28-0fe4ecd064f8" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">雖然EU八月份失業率5.9%,屬於低失業率,但工資增長低於通脹,實質工資為下跌, 這解釋了低消費意欲和經濟接近零增長。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">似乎若要通脹下跌更多,經濟需要收縮更多才行!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><img height="361" src="https://lh7-us.googleusercontent.com/ZxxIFae79C5kn0L-fV7gRq94P3-YfWOXZn61pDiWdmqsQvl-YiURFxK1Yg2s4pjOKN4HbF7hPmeqas2nwdIE5oqP9ix2CwIxXdgLw-fT9ayJVWn-8wH8voRF_9eCLmLt4YEszaUF5JJCpGZUenWzZLc=w304-h361" style="font-family: Arial, sans-serif; font-size: 11pt; margin-left: 0px; margin-top: 0px; white-space-collapse: preserve;" width="304" /></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /></p><p dir="ltr" id="docs-internal-guid-ad74b40c-7fff-6c40-fef1-483cbe99653e" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實近年歐元兌美元匯價下跌,歐元弱勢和俄烏戰爭延長也是通脹難以解決的原因。</span></p><p dir="ltr" id="docs-internal-guid-ad74b40c-7fff-6c40-fef1-483cbe99653e" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" id="docs-internal-guid-ad74b40c-7fff-6c40-fef1-483cbe99653e" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" id="docs-internal-guid-ad74b40c-7fff-6c40-fef1-483cbe99653e" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /><span id="docs-internal-guid-72501e5f-7fff-d2e3-8c15-9338297ef84b"><span style="font-family: Arial, sans-serif; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline;"><span style="border: none; display: inline-block; height: 517px; overflow: hidden; width: 436px;"><span style="font-family: Arial; font-size: 11pt;">題外話,最近Institutional International Finance 一份報告題為「Trade Diversion around Russia Export Control 」指出歐洲對俄羅斯出口禁運,竟然透過中歐的波蘭和立陶宛轉運繞過禁運制裁出口至俄羅斯:</span></span></span></span></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br style="white-space: normal;" /></span></p><blockquote><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">Export controls on goods going to Russia have upended global trade.<br /></span><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">• There is a widespread rise in exports to Central Asia since the invasion, ...<br /></span><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">• which is sizeable for countries where direct exports to Russia are down lots, ...<br /></span><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">• plus EU countries with geographic proximity to Russia, like Poland and Lithuania.<br /></span><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">• We only document shifts in trading patterns, not actual export control violations.<br /></span><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">• That said, the Central Asia boom shows how hard it is to enforce export controls, ...<br /></span><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">• given that – unlike Russia’s oil exports – trade in goods is highly decentralized.<br /></span><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">• This underscores the G7 oil price cap as a complement to export controls.</span></blockquote><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br style="white-space: normal;" /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">而俄羅斯的源油是先出口到印度及中國,然後轉口到歐洲。</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br style="white-space: normal;" /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">由於貿易都要繞道,制裁的實質影響是物價上升,戰爭持續,只會令物價難以回落!</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p> <div class="separator" style="clear: both; text-align: center;"><br /></div><br />亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com2tag:blogger.com,1999:blog-6472492327102302557.post-27293745528809166842023-09-24T13:42:00.001+08:002024-01-15T14:11:16.259+08:00涉嫌詐騙<p dir="ltr" id="docs-internal-guid-7dbf5ba0-7fff-b976-6eb2-22828461c5dc" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /></p><p dir="ltr" id="docs-internal-guid-7dbf5ba0-7fff-b976-6eb2-22828461c5dc" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /><br /></p><p dir="ltr" id="docs-internal-guid-7dbf5ba0-7fff-b976-6eb2-22828461c5dc" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><br /></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">有鑑於近日JPEX騙案涉及多名KOL代言人涉嫌串謀詐騙,昨日在電視新聞聽到一位建制議員提出要監管KOL做代言人,他說KOL對產品沒深入認識,即KOL 沒有做好due diligence而向粉絲推薦產品,導致粉絲墮入騙局⋯⋯因此需要監管!</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實,加密貨幣只是工具,人們要欺騙你,倫敦金、股票、地產項目、保健健產品、餅券都可以成為騙局,如果事事都要監管,那麼直播帶貨要執笠了!KOL和演員是否都要試用過自己代言的產品,確保不是騙人才可以接job? 那麼,那些聲稱NMN可以逆齡,推薦的明星是否要吃到變回BB面貌,才可以代言?何謂「逆齡」?聲稱用了產品後白髮慢慢變黑,若黑髮變回白髮,代言人是否要負責任?聲稱「龍床」盤真的有龍床嗎?騙人嗎?聲稱法國宮庭式生活的樓盤,其實是被大廈圍著,騙人嗎?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">JPEX 是騙局,入金多過出金,它出的幣JPC,底層沒有應用,人們買了,升的時候沒人說它是騙局,跌了拿不回錢便是騙人!</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">JPC price:</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvQd5Tsx0VFNM5KPrPnx3p5WSChDTuz4VfYYzWLHqJfZ0B_7_rBUoJazJ3dXGIheYEPFT-CSlshFJUemnlsedEq0B76GV2G6SZQEKKrj5y0H3QRBbPsQuwSJv6Av3UAB5Vxl21JNiU_edsiM3o3wC9Vkzp5EhUqn8Hl8D2M1tVeOLur-LKyUc6-KJzmC8/s849/JPC%20price.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="553" data-original-width="849" height="208" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvQd5Tsx0VFNM5KPrPnx3p5WSChDTuz4VfYYzWLHqJfZ0B_7_rBUoJazJ3dXGIheYEPFT-CSlshFJUemnlsedEq0B76GV2G6SZQEKKrj5y0H3QRBbPsQuwSJv6Av3UAB5Vxl21JNiU_edsiM3o3wC9Vkzp5EhUqn8Hl8D2M1tVeOLur-LKyUc6-KJzmC8/s320/JPC%20price.jpg" width="320" /></a></div><br /><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /><br /></span><p></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">JPEX聲稱他們還在營運中,加入他們的DAO(去中心化自治組織), 以債換股,2年後可原銀奉還!</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">香港有幾多股票上市時大升,之後跌吓跌吓跌九成又如何?</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">恆大地產:</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhS6djGf2T0U4gOG7snKf2fIdzvthmsz1cXE5ZauCNoMbTII5L7mze-H8vWoCQKxHtU7XYSn-uF5T6nDIUZ1q6_Xj41aW896u6ynJ-3Vefku5RbsDp5Q60BCM7OovaysU4FEKcLkuxOA9Uo7dzjZQFDG-htbvY-2HraTcZ93X5Sa7SIblywYTiljrYdvUs/s974/%E6%81%92%E5%A4%A7%E9%9B%86%E5%9C%98.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="565" data-original-width="974" height="186" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhS6djGf2T0U4gOG7snKf2fIdzvthmsz1cXE5ZauCNoMbTII5L7mze-H8vWoCQKxHtU7XYSn-uF5T6nDIUZ1q6_Xj41aW896u6ynJ-3Vefku5RbsDp5Q60BCM7OovaysU4FEKcLkuxOA9Uo7dzjZQFDG-htbvY-2HraTcZ93X5Sa7SIblywYTiljrYdvUs/s320/%E6%81%92%E5%A4%A7%E9%9B%86%E5%9C%98.jpg" width="320" /></a></div><br /><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span><p></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">恆大汽車(0708)未有汽車已有股票又如何?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdjc-FfmvI2FareAEOSA8lIfYy9VAX0MfepXVAf4-VaYN-C4NN3Y5ndPH7w2y_sfU4NLrlb3f5sguwtYrx70i4vdPhB5U-pNxlDFzKHp9zUe63xQ8WnZXK2qpWkbQuaIfEWaqQGTG90ZDXFtegPMcHqicA1UktifNrClDKHgH91vwT-P2Bhs1AlZGbyFI/s969/%E6%81%86%E5%A4%A7%E6%96%B0%E8%83%BD%E6%BA%90%E6%B1%BD%E8%BB%8A.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="573" data-original-width="969" height="189" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdjc-FfmvI2FareAEOSA8lIfYy9VAX0MfepXVAf4-VaYN-C4NN3Y5ndPH7w2y_sfU4NLrlb3f5sguwtYrx70i4vdPhB5U-pNxlDFzKHp9zUe63xQ8WnZXK2qpWkbQuaIfEWaqQGTG90ZDXFtegPMcHqicA1UktifNrClDKHgH91vwT-P2Bhs1AlZGbyFI/s320/%E6%81%86%E5%A4%A7%E6%96%B0%E8%83%BD%E6%BA%90%E6%B1%BD%E8%BB%8A.jpg" width="320" /></a><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">恆大還在營運呀!可能10年後股價返家鄉的!</span></p><br style="-webkit-text-size-adjust: auto; text-size-adjust: auto;" /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;">其實監管了便沒有問題嗎?投資人最好自己多做功課,乜都話監管,投資人自己真的沒有責任嗎?</span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><span style="-webkit-text-size-adjust: auto; text-size-adjust: auto;">大有大騙,小有小騙,騙局無日無之,最近</span><span style="-webkit-text-size-adjust: auto; font-family: Arial; font-size: 11pt; text-size-adjust: auto; white-space: pre-wrap;">WhatsApp 短訊騙局甚至出現要求視像WhatsApp電話,有說一旦接電話,你的樣子便被Cap下來AI製作假證件、用作借貸、製作裸照要脅贖金。騙局避無可避,遲早中一鑊!還是自己自求多福!</span><br /><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p><p dir="ltr" style="-webkit-text-size-adjust: auto; line-height: 1.38; margin-bottom: 0pt; margin-top: 0pt; text-size-adjust: auto;"><span style="font-family: Arial; font-size: 11pt; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;"><br /></span></p> <div class="separator" style="clear: both; text-align: center;"><br /></div><br />亂博http://www.blogger.com/profile/16107064923161771003noreply@blogger.com0