恒指昨天急跌五百點,市況固然係曳,但焦點似乎唔係ATM跌咗幾多,保險股跌咗幾多,而係恒大系四隻股都急挫,恒大(3333)跌16%、恒大物業(6666)跌13%、恒大汽車(0708)跌19%及恒騰網絡(0136)跌12%,原因係有傳內地廣發銀行凍結恒大的銀行存款。恒大好唔掂,缺水,應該都係天知地知大家知的事,而且近年仲狼來了上演了無數次,不過今次似乎堅爆feel。
青冰一向唔玩恒大系的股份,無論跌得幾殘,挾得幾急,都一貫唔鬼理佢,所以多年來都係食花生為主,亦沒深究佢幾時會爆,佢資不抵債幾多幾多,講真,要跟佢的新聞都認真累呀,今日話佢唔夠錢還債,轉頭又發通告話有錢還,呢頭話佢內銀要為佢做壓力測試,轉頭又話黨慶有份應邀出席,應該無事啦,劇情反轉再反轉。
如果恒大爆,內銀及若干保險公司固然會中伏,但香港一眾華資企業相信亦不好過,大家應該即時會諗到甘比及華置(0127),手持大量股份及其債券,所以華置昨天創52周新低,首當其衝,但別忘記好多上市華資都有份買恒大的債券,可能因為同許生係friend底,亦可能單純因為回報吸引,十幾廿厘息看似博得過吖,如果孖沙們私人買了,條數計唔到,但記憶中唔少上市公司買恒大債時,都有出通告,原因唔係透明度高,而係買的銀碼相對其市值及資產等,超過了若干百分比,按上市條例要作公佈,好喇,如果恒大係堅爆,債券持有人即使不是全數write off,都有排搞先拎得返錢,對於這些上市公司,撥備及日後發盈警,應在所難免。
如戰友們持有中小型股份,不妨為自己的持股作一個health check,睇吓最近的年報及近年的通告,究竟有冇揸住恒大債劵,有的話就要自己計吓撥備條數,間公司是否頂得住,否則要股價作反應後才如夢初醒,恐怕就太遲了。
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同時也有1部Youtube影片,追蹤數超過7萬的網紅王大喜,也在其Youtube影片中提到,2020/03/28 Let's write a letter to God, [創世紀1-6] If there is a will, there is a way. Because he always listen, and he promises he heals these who Love...
write off銀行 在 君子馬蘭頭 - Ivan Li 李聲揚 Facebook 的最佳解答
[國泰業績極速評!]賺埋都唔夠快運蝕。但好彩投共有前途。
1. 係咯,其實兩句已經講完。
2. 不過介紹返 (http://bit.ly/2TEUXYJ),原本以為會出現嘅goodwill impairment/write off,冇出現。
3. 但橙色,就當然見到舊goodwill 走咗出嚟了。見到個無形資產,多咗40億啦。照計今年年中點都減值啦掛!
4. 講返大數。紅色,你見「主牌」,國泰同港龍(*)。全年有微利兩億。幾好架啦。不過呢,快運就蝕返一樣咁嘅錢,嘻。而公司都有講,原本係預快運賺錢嘅,但,點知蝕錢,so sorry
5. 咁打和咗,靠乜頂?首先係中間綠色呢舊。英文版叫做Air Hong Kong,可能有啲友都唔知係乜。其實係華民。貨運。但當然國泰自己都有貨運,客機都運貨添(唔止你啲行李)。
6. 更重要嘅係,聯屬公司。藍色。一命救全家。阿蘇是也。Asso,唔係火山。未細睇,但基本上,都話投共有前途。係乜?就係國航(753)。兩間公司互渣嘛,但又未到過半,咪變咗阿蘇咁入。咁你話,咪睇到國航賺幾錢?未出業績架喎(好似)。其實都會,但呢啲情況一路都有,以前匯控(5)出業績你都睇到交通銀行啲數。同埋反正因為種種原因(會計制度不同呀,貨幣呀等等),你呢度條數,未必就係跟比例推到國航出嚟。
7. 仲有大家都最關心嘅,炒期油。或者叫燃油對沖。粉紅色。結果,一如所料,係冇乜影響嘅。但而家咁嘅油價又點?就等分析員問管理層了。
8. 結論:下次業績應該都要解決嗰37億goodwill啦掛。你又會見我重覆寫一次。再唔係留返2020全年咯。但唔係話今次唔中就下次咁。今年內都唔減值,我會相當驚奇。
9. 今次呢段600字就寫咗15分鐘。因為要框下圖揀下顏色咁,又要答下同事問題。
(*)正式應該係,國泰,同國泰港龍。留意下空姐廣播。
write off銀行 在 謙預 Qianyu.sg Facebook 的最佳貼文
【不要縮窄你的財路】(English writing below)
DON’T SHRINK YOUR INCOME SOURCES
我今年最大的成就之一,就是幫了一位負債累累的中年客人,開創了第二條收入的來源。
他現在一年內能賺多一萬多新幣,提供一種網路服務。
我的分析仔細到,我還指出要他寫信去哪一家公司。他也只有一個選擇。
我甚至還和他解析,他在電郵中應該如何推薦自己給他的客人。依據他的八字五行所需,我教導應徵當天,他該如何穿扮及攜帶什麼來獲得勝利。
我花了很多精力和時間,嘮叨了兩個星期來說服這位客人。一般人只要年過四十,人會變得固執己見,無法接受新事物。
他不敢寫信求職,因為該公司的網站並沒有招聘那職位。
他認為工作性質太低劣了,不宜他這種高學歷高才能的人。
他對新的行業不感興趣。
他說他沒時間。
他只要賺大錢!
他愁如果做第二份工作,他沒有精力來開發他的企劃。
我說,哈咯,看看你現在的處境。
這是等著你來拿的錢。我已算出你一定會得到的。每天晚上,你只需要在家,做兩個小時以下的工作。我沒有叫你放棄你的夢想。
拿這筆錢,還債,同時也繼續去開發你的夢想。你的太太會比較開心。每個月底,你看到銀行戶口多個四位數時,你會很欣慰你並沒有把你的夜晚浪費在社交媒體上,而是從中牟利。
既然他不會在發薪員工表裡,我告訴他何不換個角度來想,自己是提供一項服務給該公司。哇!也就是說,他已是一位小型企業家,一創業就以提供簡單卻很重要的服務而賺錢。
該公司雖沒刊登廣告招聘,不代表他們不需要他的服務。這反而代表他不會面臨任何競爭。為客人辨認出他們的需求,顯示他的主動和洞察力。
是,這工作是低等的,但這算是高薪的低等工作,這樣他才有足夠的腦力,繼續為他的夢想奮鬥啊!
為了讓客人清醒過來,你看我真的是費盡唇舌啊⋯⋯
只要這錢是通過正當的手法來賺取,就不要輕易說「不要」。況且,也要想到你還欠錢的家庭。
不是每個人一開始就有這個命和本事能進大財。不要人心不足蛇吞象。
從小做起,沒什麼好丟臉的。而且我建議客人做的生意,根本也不需要像一般生意一樣下什麼成本。
快進到現在,這位中年客人說在新的行業服務,認識和他完全不一樣的新人士有種釋放的感覺
這樣的感覺就對了!要財源廣進,就是要有這樣闊達的心態。活著,不要像個糟老頭似的,錢才可以從很多方面來。
天啊,我回想自己花了多少精力來說服這位客人,心就累了。感覺很像自己在唸老公的時候(寶貝,你怎麼又不看鏡頭了呢?)
親愛的客人,如果你有閱讀此文,請買個美味可口的巧克力木桐蛋糕來感謝我這叨叨念念的功夫。這次的八字分析,我真的是做超時了⋯⋯
......................
One of my biggest accomplishments this year was helping a debt-ridden middle-aged client set up a second income stream.
He now brings in an extra low $10K+ per year for his family, with this second income of providing an online service.
I was so precise in my analysis, that I even told him which EXACT company I want him to write in to. There was only one choice suitable for him.
I sat down with him and went through the entire email, on how he should sell himself to his new client. Based on his Bazi elemental needs, I told him how to dress and what to bring to ace the interview.
It took me A LOT of pushing and nagging (2 weeks!). Because when a person is above 40 years old, he/she is very set in the way he/she does things.
He didn’t dare to write in and ask for a job, that was not listed on the media company’s website.
He thinks the job nature is too lowly for a highly-educated and qualified person like him.
He wasn’t keen in a new industry.
He said he didn’t have time.
He only wanted BIG MONEY.
He fretted that he would not have the energy to work on his pet project, if he took up the second job.
I told him, HELLO, look at where you are right now.
This is READY MONEY. I know you would be able to get it. The stars are in your favour. You only need to work a couple of hours or less, every night AT HOME with this. I am not asking you to give up your dreams.
Take the money, pay off your debts and work on your dreams AT THE SAME TIME. Your wife will be happier. Every month when the salary is banked into your account, you will be glad that you didn’t waste your nights away on social media but are actually making an income from it.
Since he wasn’t going to be on payroll, I told him to reframe his thinking as providing a service, and BAM! That means he becomes an entrepreneur, who makes profit right from the start providing a simple yet much-needed service, discounting his home WiFi bill.
The fact that it wasn’t advertised doesn’t mean his service wasn’t needed. It can mean he faces zero competition and demonstrates initiative and perception in identifying that need for his “client”.
Yes, it’s “lowly”, but hey, it’s considered a highly-paid lowly job, and he will still have the brain space to work on his dreams!
The things I say to make my clients wake up...
Don’t say no to money when you need it, as long as it is an ethical way of earning it and other families are waiting for you to repay them.
Not every person has the destiny and abilities to make big money right from the start. Don’t be greedy.
There is nothing embarrassing about starting small. Especially when you don’t even need investment costs like most businesses.
Fast forward to now, the client told me it was very liberating serving a new industry and meeting people very different from him.
EXACTLY! To receive abundant wealth from all sources, you need an open mind to match up to it. Don’t be an old man in the way you live your life. Money can come from all sources!
Gosh, I’m feeling so tired just recalling all these persuasion I had done to convince him to try. It almost felt the same as me nagging at my husband. (Darling, why are you not looking at the lens again?)
Dear client, if you’re reading this, please buy me a nice chocolate log cake to pay me for all the extra hours of nagging. This is WAY beyond my usual scope of Bazi analysis man...
write off銀行 在 王大喜 Youtube 的最讚貼文
2020/03/28
Let's write a letter to God, [創世紀1-6]
If there is a will, there is a way. Because he always listen, and he promises he heals these who Love.
天總是聽得到我們的聲音。並承諾將療癒跟隨愛的人。
1 When Israel was a child, then I loved him, and called my son out of Egypt.
2 As they called them, so they went from them: they sacrificed unto Baalim, and burned incense to graven images.
3 I taught Ephraim also to go, taking them by their arms; but they knew not that I healed them.
4 I drew them with cords of a man, with bands of love: and I was to them as they that take off the yoke on their jaws, and I laid meat unto them.
5 He shall not return into the land of Egypt, but the Assyrian shall be his king, because they refused to return.
6 And the sword shall abide on his cities, and shall consume his branches, and devour them, because of their own counsels.
7 And my people are bent to backsliding from me: though they called them to the most High, none at all would exalt him.
8 How shall I give thee up, Ephraim? how shall I deliver thee, Israel? how shall I make thee as Admah? how shall I set thee as Zeboim? mine heart is turned within me, my repentings are kindled together.
9 I will not execute the fierceness of mine anger, I will not return to destroy Ephraim: for I am God, and not man; the Holy One in the midst of thee: and I will not enter into the city.
10 They shall walk after the LORD: he shall roar like a lion: when he shall roar, then the children shall tremble from the west.
11 They shall tremble as a bird out of Egypt, and as a dove out of the land of Assyria: and I will place them in their houses, saith the LORD.
12 Ephraim compasseth me about with lies, and the house of Israel with deceit: but Judah yet ruleth with God, and is faithful with the saints.
[Hosea 11]
「以色列 年幼的時候,我愛他, 就從 埃及 召出我的兒子來。
先知越發招呼他們, 他們越發走開,
向諸 巴力 獻祭, 給雕刻的偶像燒香。
我原教導 以法蓮 行走, 用膀臂抱着他們, 他們卻不知道是我醫治他們。
我用慈繩 愛索牽引他們; 我待他們如人放鬆 牛的 兩腮夾板, 把糧食放在他們面前。
他們必不歸回 埃及 地, 亞述 人卻要作他們的王, 因他們不肯歸向 我 。
刀劍必臨到他們的城邑, 毀壞門閂,把人吞滅, 都因他們 隨從 自己的計謀。
我的民偏要背道離開我; 眾先知雖然招呼他們歸向至上的 主 , 卻無人尊崇 主 。」
何西阿書 11:1-7
相關深入議題參考
2020/04/02生命紀錄
「安住的力量」(路徑出現,獻給20USD up/month的記名會員)
https://www.podbean.com/ew/pb-k3adi-d80f37
[內容. Jonathan x 王大喜]
“不依循任何集體的意識及系統,譜出的路徑便是光譜。”
心,若能安歇,
靈便安定,
身處何處,皆如同旅行。
每分每刻,皆在發現路徑。
我們已進入能量共享世代。
(你我的關注能量接鏈,皆有一定的光譜範圍)
-王大喜
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write off銀行 在 轉銷呆帳- 中央銀行-中文版-主題服務-雙語詞彙 的相關結果
中文名詞, 轉銷呆帳. 英文名詞, Write Off Bad Loans. 關鍵字, Write Off Bad Loans. 展開. OPEN. 最新消息 · 最新消息 · 新聞稿 · 即時新聞澄清 · 貨幣政策與支付系統. ... <看更多>
write off銀行 在 [金融] - Provision,write-off & recoveries @ 高清日誌 - 隨意窩 的相關結果
建設銀行2007 2008 2009 2010 平均當年核銷6445 6579 6845 9277 7287 當年回撥94 182 338 1112 432 當年撥備20106 36246 24256 25641 26562 工商銀行2007 2008 2009 ... ... <看更多>
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若有證據顯示有關貸款收回的機會渺茫,便要將貸款項目作全數撇帳(Write-off);相反,若減值較預期少,銀行可以把超額的撥備回撥。 ... <看更多>