Catpiano

你係咪睇得太多世界杯呢? 批評球員批上癮? 邊個要你去評邊個講得好D邊個無point? 點解你又會覺得你有能力去judge人哋故事或者感受。大C姐 發表於 2010-7-17 09:15

    Me ? ot happy cow ar? If u mean me, then u mixed up your memory again la..  I didn't 批評球員 at WC at all ..  may be happy cow or Lik? and we didn't 評邊個講得好D la..  

No worry, we still like to see you blow water for fun..  but dont' be 3 comforters sin duck ga ...

大C姐

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   呢一個係事實
唔係吹水 亦都唔係偏激
當息口昇 供樓開支大 你生活質素下降
你就知咩驕量 ...
sheep 發表於 2010-7-17 09:40

息口升﹐我可以買收息嘅investment做對衝。

我會識得咩叫量力而為﹐唔該晒你提醒~

sheep

息口升﹐我可以買收息嘅investment做對衝。

我會識得咩叫量力而為﹐唔該晒你提醒~ ...
大C姐 發表於 2010-7-17 09:56

   你唔好引我笑啦 拜託

Catpiano

你唔好引我笑啦 拜託
sheep 發表於 2010-7-17 10:00

    No no no .. that is what we like! 笑 笑 笑 ..

biggie

息口升﹐我可以買收息嘅investment做對衝。

我會識得咩叫量力而為﹐唔該晒你提醒~ ...
大C姐 發表於 2010-7-17 09:56

When interest rates rise, and you have a variable interest mortgage, why would you invest in other interest bearing products as a hedge? The interest rate on the mortgage will most likely exceed the return of interest bearing investment.

samsung

No no no .. that is what we like! 笑 笑 笑 ..
Catpiano 發表於 2010-7-17 10:31

    x2

大C姐

When interest rates rise, and you have a variable interest mortgage, why would you invest in other ...
biggie 發表於 2010-7-17 12:16

   
When the interest rate is rising, your interest payment on your mortgage goes up (outflow), but at the same time, you can earn higher interest or create value if you own call options. (inflow)


好悶呀﹐唔好講錢啦﹐買樓住仲有好多原因。How about唔洗俾業主煩??

之前租地方住個業主賣樓﹐但係賣左大半年都賣唔出﹐成日都有人上嚟睇屋。好無私隱。而且唔係自己地方﹐擺個架換個燈fixture都好似有限制﹐好唔方便。

Catpiano

好悶呀﹐唔好講錢啦﹐買樓住仲有好多原因。How about唔洗俾業主煩??

之前租地方住個業主賣樓﹐但係賣左大半年都賣唔出﹐成日都有人上嚟睇屋。好無私隱。而且唔係自己地方﹐擺個架換個燈fixture都好似有限制﹐好唔方便。大C姐 發表於 2010-7-17 14:18

Or the other way around  .. 煩業主... rather then 業主煩 .. in Canada, there are more cases, the tenants want the 業主 to fix this this and that ... as long as you are the 業主 ... something goes wrong in the house/condo, that is 業主 responsibility ..

Of course, as you said, could be 成日都有人上嚟睇屋 .. as well ..

Well, no perfect world...

大C姐

Or the other way around  .. 煩業主... rather then 業主煩 .. in Canada, there are more cases, the t ...
Catpiano 發表於 2010-7-17 14:28

    係呀﹐租屋俾人最麻煩﹐香港層樓都租過俾人﹐但係好得人驚﹐有次有人上嚟睇樓想打劫﹐好彩無事(當時我唔在場)。同埋租出去好多時都預左裝修費﹐尤其加拿大damage deposit得半個月租﹐幾舊水真係有好似無。有時租出去仲可能掀涉官非。早幾年住某某"豪宅區"﹐有人租左間豪華大宅種大麻﹐之後唔知係咪涉及黑社會尋仇連屋都燒埋。仲不特止﹐警方封屋封足一年有多﹐又唔入得去又唔裝修得﹐唔知保險又無得陪。

BiscottiGelato

你講到alpha已經係actively trading樓/股票﹐呢個係另一樣嘢啦, Biscotti。我無話你錯呀﹐我只係覺 ...
大C姐 發表於 2010-7-17 09:35

Alpha is just a concept on risk return. I ain't the best in using the English language so couldn't think of simpler terms at the moment I wrote. Just saying if someone is considering buying a house as investment, in Vancouver, at the current prices, it might not be the best choice based on risk return.

I always say buy a house for 自住, esp for people that have stabilized in terms of geographic location, and married couples and esp esp w/ kids, is probably a good idea. Otherwise, one should give rent a very good consideration before dismissing it.

Onto the topic of investing in one self, and that no company is stable. If you have skills, you can always get re-employed. Skills will always be with you. Obviously investing in which skills can dictate how well your income is going to be and how stable your income stream is going to be. No investment is without risk, but investing yourself probably have some of the lowest risk. Also don't put this to the extreme. Getting degrees and certs does not mean you shouldn't work and gain experience. I myself is working full time here, even tho I'd like to see myself to be in school again in a few years.