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標題: 呢個時勢係咪要扮窮? [打印本頁]

作者: 大C姐 時間: 2008-10-29 20:28 標題: 呢個時勢係咪要扮窮?

我唔係講風涼話﹐但係我真係執翻身彩。我由上年開始就放晒D樓/投資﹐所以年中旺個個賺到笑無我份﹐但係今次個個做晒蟹我又走得甩。

我諗我唔係唯一一個卦?我死唔信個個都入重貨身家大暴跌。當然好多好多人都蝕唔少(賬面)﹐我都同情果D幾十歲無晒棺材本﹐佢哋輸呢鋪真係分分鐘呢世都賺唔翻。

但係點解個個都好似賴晒大嘢?好似無以為計﹐去返幾十年前D錢要放寢頭底。想問身邊有幾多人真係好困難又有幾多係比個氣紛嚇驚突然居安思危扮窮?

-- 想下兩個月又旅行但係又好有罪惡感嘅大C姐

作者: matt72178 時間: 2008-10-29 20:49

我估你都係30 歲頭﹐點解你0甘把炮呢個年紀有車﹐有樓﹐有股票?
0甘你黎緊如何改變你既投資策略? 你唔似幾十萬做定期D 人窩。

作者: 大C姐 時間: 2008-10-29 21:00

原帖由 matt72178 於 2008-10-29 21:49 發表
我估你都係30 歲頭﹐點解你0甘把炮呢個年紀有車﹐有樓﹐有股票?
0甘你黎緊如何改變你既投資策略? 你唔似幾十萬做定期D 人窩。

我好後生咋﹐你唔好估我幾歲。

我就緊係無咩策略啦﹐我有就今年賺唔少啦!我都係諗買樓穩陣。匯豐再跌我諗都會入翻D﹐大佬﹐好多人都係百幾蚊買入﹐如果好景D唔托高翻個價點對股東交代呀?

你敢問我﹐我咁答啦﹐有無道理就見人見智。

-- 好彩無聽六叔嘅大C姐

作者: LOK 時間: 2008-10-29 21:12

I'm "真係好困難"... could you lend me some money?
I don't have 車﹐樓﹐股票, I always owe ppl/bank money...

唔係扮窮, 真係好窮...

I will be the next guy who jump from 時代坊 3rd floor...

作者: Catpiano 時間: 2008-10-29 21:20

扮窮 ??

really 窮 ar .. c hing ..  lol ..

But still need to spend ga .. car .. house .. stock .. watches .. hard to sell now ..  I just want to sell my car ja ..

wont' drive in winter anyway .. sigh ..

Income cut 1/3 .. Cad $ drop 1/3 ...

作者: 小叻 時間: 2008-10-29 21:25

Sigh..me poor too la.. today CAD$ better gar la.. at least 6.3 la.. last week 5.9 tim.. (CAD = HKD)
I have no car, no house, no stock, nothing but.. student loans...loans.. loans... >"<

作者: 大C姐 時間: 2008-10-29 21:31

原帖由小叻於 2008-10-29 22:25 發表
Sigh..me poor too la.. today CAD$ better gar la.. at least 6.3 la.. last week 5.9 tim.. (CAD = HKD)
I have no car, no house, no stock, nothing but.. student loans...loans.. loans... >"

咁你話你窮唔係今時今刻嘅事﹐無呢個"海嘯"你都係窮架啦!

我係想講﹐有d人喺呢幾個禮拜﹐唔夠一個月﹐轉晒生活方式想法﹐好似殺到埋身。呢d人可能都係賺一樣人工(老實講﹐有幾多人真係比人咁快減人工丫﹐你做經紀果d唔好講啦你預左有風險)﹐投資嘅又係閒錢﹐我真係想知呢班人有幾窮?

作者: matt72178 時間: 2008-10-29 21:34

咁你話你窮唔係今時今刻嘅事﹐無呢個"海嘯"你都係窮架啦! 哈哈哈哈哈。。

大C 姐呢隻小野貓真係難馴服﹐曉咬人既。。

作者: 大C姐 時間: 2008-10-29 21:46

原帖由 matt72178 於 2008-10-29 22:34 發表
咁你話你窮唔係今時今刻嘅事﹐無呢個"海嘯"你都係窮架啦! 哈哈哈哈哈。。

大C 姐呢隻小野貓真係難馴服﹐曉咬人既。。

佢話佢窮呀嘛~

你唔好講到我好次好尖酸話人哋窮﹐我好有口德既!

-- 型像清純小棉羊大C姐

作者: matt72178 時間: 2008-10-29 21:48

大C 姐, 買樓唔夠穩陣, 真係有閒錢既拎黎買鋪。以華人 Mall 黎計, 400-500 尺, 約30 萬(Market, not retail)。自己做到生意even better, 出租起碼$2500, 每次renew contract 加個30%。唔夠10 年回本。

作者: 大C姐 時間: 2008-10-29 21:58

原帖由 matt72178 於 2008-10-29 22:48 發表
大C 姐, 買樓唔夠穩陣, 真係有閒錢既拎黎買鋪。以華人 Mall 黎計, 400-500 尺, 約30 萬(Market, not retail)。自己做到生意even better, 出租起碼$2500, 每次renew contract 加個30%。唔夠10 年回本。 ...

仲華人商場﹐MATT哥? 我真係想知有幾多華人喺vancouver。仲開鋪? 眼見好多都吉左﹐唔係就好快接埋。

我一定唔會自己做啦﹐賣笑咩。坐嚮度成日看鋪我真係唔願拋頭露面。好話唔好聽﹐我畢生最怕去街市﹐都唔好講太遠﹐你叫我喺"賴精廣場"開間鋪痞一個禮拜棟起隻腳食飯盒我真係寧願死!

-- 得罪講句大C姐

[ 本帖最後由大C姐於 2008-10-29 22:59 編輯 ]

作者: Hyde 時間: 2008-10-29 22:02

This is an awesome time to get rich. I got rid of all stocks last nov. and now just waiting to it to drop to the bottom and go all in. not to mention stuff in canada is more affordable (lower HKD/CAD exchange rate) and real estate is dropping. just waiting till it gets worst when retailer gotta slash prices.... then its time to go shopping

作者: 大C姐 時間: 2008-10-29 22:10

原帖由 Hyde 於 2008-10-29 23:02 發表
This is an awesome time to get rich. I got rid of all stocks last nov. and now just waiting to it to drop to the bottom and go all in. not to mention stuff in canada is more affordable (lower H ...

我就係exactly一樣﹐所以真係唔知有幾窮。但係身邊D人好鍾意以一D歧視眼光對住我呢D蛋散﹐我無賴野都無辦法架。唔通我專登而家入中信揪熱鬧咩!

作者: matt72178 時間: 2008-10-29 22:11

0甘我都知Metrotown, Richmond center 呢D 過引呢﹐但人地係一個業主﹐只出租唔賣。
賴精廣場睇下邊D 位同做乜行業啦。0甘食唔正條水緊要執啦。
我絕對同意大C姐你既講法, 但有好多人無得揀﹐一係坐嚮度成日看鋪﹐一係一家攬住死。

作者: matt72178 時間: 2008-10-29 22:14

Hyde 大哥原來都係同畢菲特一個 level.

作者: 大C姐 時間: 2008-10-29 22:17

原帖由 matt72178 於 2008-10-29 23:11 發表
0甘我都知Metrotown, Richmond center 呢D 過引呢﹐但人地係一個業主﹐只出租唔賣。
賴精廣場睇下邊D 位同做乜行業啦。0甘食唔正條水緊要執啦。
我絕對同意大C姐你既講法, 但有好多人無得揀﹐一係坐嚮度成日看鋪﹐一係一家攬 ...

坐嚮度成日看鋪真係乜高貴型象都破壞晒。

你幻想李嘉欣坐住張凳仔咬住飯盒叫:"揀岩賣嚟試試﹐呢邊有85折~"

作者: matt72178 時間: 2008-10-29 22:31

如果李嘉欣坐住張凳仔咬住飯盒叫:"揀岩賣嚟試試﹐呢邊有85折~"
我一定會去幫襯。
如果大C 姐你有李嘉欣呢個質素, 你肯坐住張凳仔咬住飯盒叫:"揀岩賣嚟試試﹐呢邊有85折~"
我保證你月入過萬。(可能你而家月入都唔止呢個數啦)

作者: 大C姐 時間: 2008-10-29 22:36

原帖由 matt72178 於 2008-10-29 23:31 發表
如果李嘉欣坐住張凳仔咬住飯盒叫:"揀岩賣嚟試試﹐呢邊有85折~"
我一定會去幫襯。
如果大C 姐你有李嘉欣呢個質素, 你肯坐住張凳仔咬住飯盒叫:"揀岩賣嚟試試﹐呢邊有85折~"
我保證你月入過萬。(可能你而家月入都唔止呢個數 ...

賴精有邊個收入過萬呀﹐成個mall好似荃灣屋邨商場咁。就算俾一萬蚊一個月叫我去果度坐我都仲嫌有失身份。

(我強調﹐我缺乏呢種氣質﹐無誣辱賴精果d阿姐嘅intention)

-- 事先聲明唔好jur大C姐

作者: peter236 時間: 2008-10-30 00:20

原帖由 Hyde 於 2008-10-29 23:02 發表
This is an awesome time to get rich. I got rid of all stocks last nov. and now just waiting to it to drop to the bottom and go all in. not to mention stuff in canada is more affordable (lower H ...

I also want to buy more stocks, especially HK stocks when it goes down more. Please share with us when to buy and what to buy.

作者: siumaibb 時間: 2008-10-30 08:27

我都唔明D舖頭點生存，又無人行，買D野又唔得

back to topic：扮窮係誤想有人問借錢。。中國人細膽，怕俾人標參同打劫

btw, I am always 窮

作者: fibbi 時間: 2008-10-30 08:37

原帖由 大C姐 於 2008-10-29 22:31 發表

咁你話你窮唔係今時今刻嘅事﹐無呢個"海嘯"你都係窮架啦!

我係想講﹐有d人喺呢幾個禮拜﹐唔夠一個月﹐轉晒生活方式想法﹐好似殺到埋身。呢d人可能都係賺一樣人工(老實講﹐有幾多人真係比人咁快減人工丫﹐你做經紀果d唔好講啦你 ...

就算真係無投資，哩1刻無蝕錢，但係眼見就算係RRSP哩啲保守嘅儲蓄都蝕錢（除非真係買GIC or saving)，否則見到自己啲身家小咗1部分，係人都有啲危機感啦，而且就算你好彩唔蝕錢嗟，唔擔保你身邊嘅人冇事。如果打工嘅，就驚老闆唔掂；做老闆嘅，就驚啲客唔掂無錢比，除非我真係中咗649 頭獎啦，咁就唔使愁勒

作者: BiscottiGelato 時間: 2008-10-30 11:30

原帖由 Catpiano 於 2008-10-29 21:20 發表
扮窮 ??

really 窮 ar .. c hing ..  lol ..

But still need to spend ga .. car .. house .. stock .. watches .. hard to sell now ..  I just want to sell my car ja ..    wont' drive in winter  ...

Unless we are talking daddy mommy pumping water in, otherwise I don't see who isn't poor as long as they are making CAD. Income cut 1/4, that's what makes me poor.... any donations plz?

Besides, you don't reduce spending only when u get hit with shrinking investment or lay-offs. You reduce spending to anticipate hard times... that is mommy daddy pumping in water aside...

作者: AAC 時間: 2008-10-30 13:04

當自己收到mutual fund statement 時，發覺無端端唔見兩三皮野時，雖然係賬面值，但對心理衝擊都好大架，起碼都無乜心機大魚大肉，仲係日日帶lunch，cheap cheap咁慳住洗，死未？

作者: 大C姐 時間: 2008-10-30 15:41

原帖由 BiscottiGelato 於 2008-10-30 12:30 發表

Unless we are talking daddy mommy pumping water in, otherwise I don't see who isn't poor as long as they are making CAD. Income cut 1/4, that's what makes me poor.... any donations plz?

Besides, ...

你要計埋exchange rate就無得好講啦﹐可能你個個月cable wire錢返香港﹐咁可能你好大影響。

即係呢度個個都好閉翳啦? 我都係唔去旅行住﹐見步行步。我都要跟風扮窮。

作者: sheep 時間: 2008-10-30 20:54

[quote]原帖由 大C姐 於 2008-10-29 23:36 發表

賴精有邊個收入過萬呀﹐成個mall好似荃灣屋邨商場咁。就算俾一萬蚊一個月叫我去果度坐我都仲嫌有失身份。

你唔好以為佢地搵得少如果要你match佢一萬之後果幾千銀dollar to dollar
我諗你做成世乜家禽都唔掂
諗下一個客賺一蚊一日三佰零個
一日八個鐘大概一個鐘做四十個倒
你都咪話唔得

作者: 大C姐 時間: 2008-10-30 21:25

原帖由 sheep 於 2008-10-30 21:54 發表
[quote]原帖由大C姐於 2008-10-29 23:36 發表

賴精有邊個收入過萬呀﹐成個mall好似荃灣屋邨商場咁。就算俾一萬蚊一個月叫我去果度坐我都仲嫌有失身份。

...

一日有無三百個客呀?

當然我唔知人哋讚幾多啦﹐可能一百幾十萬一年。我只係話俾我讚萬幾要我坐嚮度咬飯盒同吹水我一定唔制姐!

-- 扮窮蟹后

作者: tck 時間: 2008-10-30 22:05

it seems not really effect to me .coz to me i am not rich and not invest well just rrsp and all i have is a job .really want to join the stock market just don't have enough money and where to start .i do care about the market and always try to look in to it.. so for me rich or broke doesn't really matter to me at the monent ....

作者: Catpiano 時間: 2008-10-30 22:09

z..z...z.....z...z....z..z.....z......z.....

作者: 小貓 時間: 2008-10-30 22:55

原帖由 大C姐 於 2008-10-30 16:41 發表

你要計埋exchange rate就無得好講啦﹐可能你個個月cable wire錢返香港﹐咁可能你好大影響。

即係呢度個個都好閉翳啦? 我都係唔去旅行住﹐見步行步。我都要跟風扮窮。 ...

大C姐你想去旅行咪去囉！
助長吓經濟都好吖~

下個月我都係咁去旅行啦！仲同埋阿媽去o添！
你睇好似我咁，冇錢投資都一樣咁無辜辜被海嘯累到連份工都冇埋！
俾fibbi講中咗啦...我老細啲客唔掂無錢比，搞到我老細都唔係好掂於是...

不過可以點吖，唔炒都炒咗嘞...咪當俾自己放吓假囉！（扮哂樂觀咁）

所以呢個海嘯真係好似dominos咁將會累好多人！

作者: BiscottiGelato 時間: 2008-10-31 10:55

原帖由 大C姐 於 2008-10-30 15:41 發表

你要計埋exchange rate就無得好講啦﹐可能你個個月cable wire錢返香港﹐咁可能你好大影響。

即係呢度個個都好閉翳啦? 我都係唔去旅行住﹐見步行步。我都要跟風扮窮。 ...

As you said, u r waiting for the market (equities) to bottom out... 1/4 cut in CAD is 25% less equities u can buy.... yes equities is down 40%, so u really are buying in only at a 15% discount....

Also on the long run, prices are going to go up reflecting cost of import. At that point then your consumption power would've reduced, as reflected in ur 'real pay cut', yes nominally ur pay is unchanged. Along with layoff anticipation (just in case), I'm gonna buy a PC/PS3 game or two and cave in this Xmas. If in the end everythign worked out fine, i'd haf saved a lot of money~ Sounds like win win to me. Frugal times ahead~

作者: Catpiano 時間: 2008-10-31 20:50

BG .. I dont think they care or calculate as u la.. lol

作者: BiscottiGelato 時間: 2008-10-31 23:32

原帖由 Catpiano 於 2008-10-31 20:50 發表
BG .. I dont think they care or calculate as u la.. lol

No house no car no 1M in acc. ready to retire.... recession times, 搵食難, 生活難, haf to calculate more ga la.....

作者: 大C姐 時間: 2008-10-31 23:59

原帖由 BiscottiGelato 於 2008-11-1 00:32 發表

No house no car no 1M in acc. ready to retire.... recession times, 搵食難, 生活難, haf to calculate more ga la.....

真係唔好講野﹐$1M喺銀行唔係好見洗﹐又唔敢投資﹐十領年洗晒啦﹐我仲咁後生!

不過生活不嬲都難架啦如果你咁講﹐有幾多人嘆到幾百萬CASH有樓有車唔洗供丫。但係要唔要誇張地日日講住"自己好窮﹐世界好慘"洗自己腦就見人見智啦。

作者: BiscottiGelato 時間: 2008-11-1 13:47

原帖由 大C姐 於 2008-10-31 23:59 發表

真係唔好講野﹐$1M喺銀行唔係好見洗﹐又唔敢投資﹐十領年洗晒啦﹐我仲咁後生!

不過生活不嬲都難架啦如果你咁講﹐有幾多人嘆到幾百萬CASH有樓有車唔洗供丫。但係要唔要誇張地日日講住"自己好窮﹐世界好慘"洗自己腦就見人見智 ...

haha, u do haf luxury lifestyle. good for u~! but yes, 1M in cash will be gone in no time. as Buffest said a few weeks ago, Cash is trash, it's time to get into good value equities~

i didn't say 好慘. 窮 is real tho LOL~

作者: 快樂牛郎 時間: 2008-11-1 16:03

我話呢個時候先要洗多D錢
當人人都唔肯洗錢既時候
你只要洗少少錢就顯得你好惦

作者: ricrick 時間: 2008-11-1 16:46

經濟好時應該儲
經濟吾好應該洗

作者: peter236 時間: 2008-11-1 19:28

What are the good equities that that we can buy now? I am thinking of taking back what I lost years ago, hahaha.

作者: 大C姐 時間: 2008-11-1 19:31

原帖由 ricrick 於 2008-11-1 17:46 發表
經濟好時應該儲
經濟吾好應該洗

真係一語道出我想講嘅嘢。真係越唔洗越衰!

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