關於 cream investments ，我們在網路上蒐集到這些相關的討論、資訊與評價

🌻美國生活
打了疫苗後, 在上週進城了一趟.
許久未出門的感覺很奇妙. 進了城, 也感到大家的生活還是如往常一般, 只是餐廳沒甚麼人(都用電話下單, 或是當場點了東西後就走), 許多人(並不是全部)的臉上也多了個口罩. 旅館的人倒是不多. 但商家停車場的車子應該如往常一樣, 沒有減少.

每次進城, 也一定會到Chipotle打牙祭. 這次試了他們新的飯(參雜了cauliflower花椰菜), 酸酸滋味, 配上原來burrito裡面就有的料, 真的是開胃又好吃, 一口接一口.

最近吃了三家不同的burrito, 還是覺得Chipotle的最好吃. 我想原因之一(不知道我的觀察有沒有誤), 可能是他們把不同口感的配料加在一起時, 有多家一道手續, 讓新鮮脆口的生菜, 烤熟的肉類, sour cream與其他配料均勻地被融合起來, 也讓滋味豐富了起來. 不像其他家的burrito, 一口咬下去, 就是飯, 或是豆類, 分得很清楚, 而沒有不同食材所帶來的多層次的口感.

Anyway. 附上這次進城照的幾張照片在下方.

🌻My happiness project: 年報財報導讀

股市對我來說像戰場; 年報財報就像是兵書. 而一家家公司的年報財報, 對我來說, 就像是故事書一樣, 述說著公司的成長營運軌跡. 做了這些功課後, 持股也會有信心. "Buy and do homework," 是我認為投資該有的態度.

下半年時間比較多, 所以想抽一點時間出來, 跟對看年報財報有興趣的投資人一起來讀資料, 順便藉此分享我是如何抓重點&透過年報財報來做思考的. 也想要藉此來宣揚看年報財報的好處&消除投資人對英文年報財報可能會有的恐懼感. Anyway. 這只是初步的想法. 若要實行也會是九月的事情了.

不過先錄了一段影片, 解釋我是怎麼做財報內容&電話會議內容整理的: https://youtu.be/vvkrs6CiWdw

🌻本周做的功課與閱讀
https://makingsenseofusastocks.blogspot.com/2021/05/blog-post_19.html

這次的閱讀中, 跟成長股比較有關的是這段. 目前成長股也被重新定價中, 所以建議成長股投資人在挑股的時候, 盡量找有現金流, 還有獲利的公司.

"That’s true even for the highflying growth stocks that have been getting hit so hard recently—as long as they have earnings. Adam Parker, founder of Trivariate Research, notes that following large growth selloffs, S&P 500 growth stocks with both free cash flow and expanding margins tend to outperform in the months ahead. That means favoring stocks like ServiceNow (ticker: NOW) and Advanced Micro Devices (AMD) over shares of Chegg (CHGG) and Twitter (TWTR). “Buy some growth stocks on the selloff, but they have to have positive free cash flow and margin expansion,” Parker says."

🌻投資金句
"I learned that you may be right, but if enough people believe you're wrong the markets can really hurt you." --BlackRock bond chief Rick Rieder

🌻The Future of Work
看到BofA寫的這一段, 覺得挺感動的. 這也是投資的目的之一, 能夠藉著這個方式, 來接觸到世界的脈動.

The Future of Work
Thematic Research
BofA Global Research
bofa.com

May 12: The future of work is not zero-sum between humanity and technology. We believe humans can collaborate with and work alongside robots, rather than be displaced by them, and that technology can create more jobs than it destroys. By 2025 alone, the WEF [World Economic Forum] thinks automation will add 12 million net new jobs, with robots eliminating 85 million jobs but creating 97 million new ones. Other grounds for optimism include: (1) 65% of children starting school today will work in jobs that have not been invented yet; (2) “new” collar jobs will be generated from well-placed thematic sectors like healthcare, renewables, new mobility, or even moonshot technologies; and (3) we might actually be more productive and have more leisure time if robots can relieve us of more mundane, repetitive everyday tasks. We have identified $14 trillion in market cap of enablers for the future of work. Technology, industrials, and medtech are some key beneficiaries. We also see opportunities in education and the upskilling/retraining of workers by corporates. Conversely, commercial real estate/offices and legacy transport are some of the sectors facing headwinds...

So, what are the truly futuristic jobs that could be invented? Data-privacy managers, nanomedicine surgeons, lab-meat scientists, blockchain strategists, space-tourist guides, freelance biohackers, AI avatar designers, 3D food-printer chefs, leisure-time planners, ethical algorithm programmers, and brain simulation specialists, to name but a few.

🌻Dividend Growers’ Allure
這段從股息的角度, 來講解傳統價值股跟成長股的不同處.

Dividend Growers’ Allure
Insights & Commentaries
Washington Crossing Advisors
washingtoncrossingadvisors.com

May 10: Buy quality stocks that increase dividends regularly. This simple strategy takes a long-term view of investing and focuses on the dividend, not the stock price. Passive income generated from dividend growth has two main benefits. First, it focuses your investment strategy on cash-generating, growing companies. Second, it tends to lead to quality businesses that are neither too young nor too old.

Why is this so? Almost by definition, a dividend-growing company tends to cover expenses with rising cash flow. And which companies do these tend to be? They tend to be profitable, established companies in the middle of their corporate life cycle. By contrast, young companies tend to be burning cash, constantly in need of capital, and face a higher risk of failure. Such young firms tend to not pay dividends at all as they are consumed with growth. On the other hand, older companies often funnel most or all cash to investors as dividends because viable investments can no longer be found. These firms are often in decline and offer little growth, often reflected in a high current yield.

Picture:
1. Chipotle內部. 可以看到有個取餐的架子. 餐廳人員也不時在電腦螢幕前, 看進來的訂單, 備菜.
2. 旅館外一區. 面向密西根湖.
3. CSX, Union Pacific的火車廂(這兩家都有上市)

【福禍休咎】

In the last 3 months of 2017, I was horribly sick.

I still do not know the exact cause of my ailment, but my guess is overworking and undersleeping.

When a person is sick for a period of time, it means his luck status at that time isn't tip top.

It will affect the wealth and of course, his mood.

Best way of dealing with it is to ensure speedy recovery and not let impatience get in the way.

I was feeling down in the dumps when I wasn't healing well, despite two rounds of medication.

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水神就是財神

On 4th Jan, I announced my CNY Wealth Manifestation Feng Shui Workshop, through a Facebook Live.

The Facebook Live was streamed at a Pizza Hut restaurant.

I ordered finger food and a beverage. I also requested for warm water to take my medication.

I was expecting just a glass of warm water but the waiter sent it in a 1-litre canister.

It was too much for me to finish.

I don't like to waste food and water. I wanted to fill up my glass and return the canister.

Then a thought flashed past, hey, 水就是財! (Water represents money!)

Must be a sign that my workshop will bring me extra income.

I drank the whole 1-litre of water after doing my Live. Not sharing with anyone.

True enough, the consistent posting and selling of my workshop for the past 10 days brought me more queries than usual.

My January income is already 2 times of both November and December combined.

Proof that Facebook Likes is not necessarily equivalent to income.

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桃李滿天下

For the first time ever in my 12 workshops, a workshop participant came up to me with a bag of plump Australian cherries, at my Wealth Manifestation workshop yesterday.

My first workshop in 2018.

She bought a pack for me, when she was shopping for cherries herself.

I like cherries very much, ever since I had a red sugary one on top of my Swensen's ice-cream sundae.

One of my favourite ice-cream flavours is Ben & Jerry's Cherry Garcia.

Fruits represent harvest.

In Singapore, cherries are more expensive, compared to the usual oranges and bananas.

You can say that they are the classier kind of fruits.

While my mum had always taught me not accept food from strangers, I happily received the fruity gift from Mevlin with thanks.

It was in a Giant plastic bag.

I recognise this as an auspicious sign that my work in 2018 will bring me bountiful rewards, and my reach will gigantically extend beyond the shores of Singapore.

(Actually Mevlin had came for my workshop in Nov 2016, so she isn't a stranger to me. 😁)

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接財神

Leaving the workshop venue, while cruising down the long Geylang road, I caught sight of a towering inflatable smiley God of Fortune.

I asked the Husband to make a Uturn at the lorongs so that I could have a photo taken with the first God of Fortune I see in 2018.

The Husband asked for permission to snap a photo, from the friendly Uncle, seated in front of the hamper shop.

The Uncle grinned and replied, "可以！這是好兆頭！"

("Can! This is a good sign!")

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修福修慧

Back home, I laid out the red packets that I need to pray for.

I picked up this ritual from my Shifu, Master Dai Hu.

Every red packet he receives from his client, no matter the amount, he will do a short 5-minute prayer and dedicate the merits to the client.

I have seen him done so for the past 12 years.

While most people are happy to earn money and spend on themselves, Shifu makes sure he does the prayer, so that the client will have some of his negative karma eradicated.

He often reminds me that it is very tough for most people to earn more money, because their daily conduct are not virtuous.

They are like hamsters in a running wheel, caged up and not knowing what will come next.

Most people react to Life instead of moving ahead of Life.

They have no control over their destiny because they lack the wisdom and benefactor guidance. Some are blinded by lures of easy success.

As a person who is ahead of them, Shifu sees it as his duty to bestow blessings to his clients, not just in the form of Chinese Metaphysics help.

He imparts wisdom to his clients and swears by teaching a man how to fish, rather than giving him a fish outright.

Poverty, debts, lack of growth in career, no recognition at workplace, no benefactors, family disharmony, losing money in investments...

Are all signs of depleting merits and negative karma.

Only when these blouders of negative karma are moved away, and the client mends his conduct to a more virtuous self, Chinese Metaphysics will then be able to manifest its full power to help the client.

That is why Shifu always does the prayer within the same day of receiving it.

He says, "One never knows what might happen the next day to the client, if I don't do the prayer in time."

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先知

In Chinese Metaphysics, there is a divination practise known as 梅花易數, Plum Blossom Oracle.

One can gain an insight into the unknown future, based on what he sees, hears, smells, experiences, and the movement in his surroundings, the people he interacts with, the animals that move around him, and the timings of the happenings.

There is a lot more technicality to it but in short, what we do and experience everyday is always a glimpse into the future.

We are sensory animals. I'm sure if you are in bad luck, you would know without an expert telling you.

You just don't know what to do to get out of it.

The biggest mentality difference between a layman and a wise expert is that...

A layman reacts.

A wise expert preempts.

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窮人相

Yesterday at the workshop, I told my students that if you are penniless, don't expect anyone to sympathise you.

It is your own responsibility to be sufficiently affluent.

Make sure you return what you have borrowed.

Don't hanker for handouts or favours, because the more you take from others, the more you will be karmically indebted.

When you meet-up at a cafe, order something even if it's only a cup of tea.

People are running a business. There's labour, rental, water and electricity bills to pay.

You are using their facility.

To not pay in one way or another is stealing.

Don't grumble or whine when you hit a wall of bad luck. This will add on to the negative energy around you, pushing the God of Fortune further and further away from you.

The God of Fortune is always jovial. He laughs when he gives a lot of money away to many people. He does not sulk, cry, or stinge.

Everybody likes to see the God of Fortune. He is well-liked and has great affinity with millions of people.

It is a joke that talent brings in money.

If you want more people to like you enough to push their hard-earned money to you, buy your products and services...

You need 眾生緣.

The affinity with sentient beings.

Think Jackie Chan, Mark Zuckerberg, Michael Jackson, JK Rowling.

In simplistic terms, when no one owes you, no one will give you money.

How many people have you helped?

How many people's lives have you changed for the better?

Did you help the right people?

How much love and happiness have you given to others?

How much wisdom have you inculcated in them?

What is your motive for helping?

Why do you deserve to be rich?

What are you going to do with all the money?

A poor man can still give his time, effort, and a listening ear. Or donate blood to save a life.

I recognised my lack of affinity with sentient beings in my Bazi. I had incurred 5-figure losses in 2 failed businesses.

I am now making up for lost time, with the amount and depth of content I produce on my Facebook consistently.

I don't do it with a profit mindset.

When you Like my content, comment or share it, and your FB friends get to read it, you are also forming better affinities with sentient beings. #leverage

All these are like savings.

When you are down in your luck, or your negative karma manifests itself, these savings will pull you up in the form of benefactors appearing.

I am aware that some of you read my Facebook to get your dose of happiness, wisdom and positivity.

I am generally not an optimistic person, if not for the Dharma I learnt.

On the other hand, I am also aware that there are people with malicious intent consuming my content.

Should I write less than? No. An affinity formed is an affinity formed.

If it's untruth that is spoken, if malice is the true intent, the person is still indebted to me karmically.

But if it is me who had done that to him or her previously, then all is even.

In any case, it's troublesome and distracting to keep track of who is doing what behind my back.

I also know some of you wanted to get a seat at my workshop but couldn't afford to.

If money is painful for you to talk about, implement what I recommend in this post everyday.

I had been posting here for the past 2 years.

Original content, not just shared posts.

It still feels surreal that strangers are willing to pay to see and hear me talk.

I don't market myself aggressively or go for meet ups to put my name out there. I'm not sociable.

I focus on my content.

Money still comes.

Especially now that I am much better than 3 months ago.

If you are struggling now, think about what you should improve about yourself.

And do it! Don't stick to the same old way of living life.

Disaster is often a recipe for success.

Success, when mismanaged, can also lead to disaster.

When you unravel these two, you will realise they actually mean the same thing.

人要懂得靈活變通。

Riches come easier to those who have a flexible mind and virtuous conduct.

Oh, good mental and physical health is always the greatest wealth.