2020年1月21日 星期二

加入金銀甲的新人必讀

投資乜都好, 一定要先識基本知識, 所以最好先睇完本網誌成個[投資金銀手冊]後先好落場買野 !
投資實金實銀, 一唔訓身, 二唔借錢, 三只用閒錢買貨 !

想易套現就買實金(註:實金差價大, 也不大適宜短炒的), 而實銀是長線投資 !!
 

實銀心急放就拿去上環忠記溶金舖一定可以套現, 不過只拿回純銀價, 可能靚野會俾返多少少錢你, 而想高價放就拿去網拍 !

世上無 sure win, 也無不勞而獲, 唔經分析亂投資後果自負, 到時輸錢唔好怨任何人 !

收藏幣介紹

本人已開多個[收藏幣介紹]分區來貼收藏幣, 唔係個[投資金銀手冊]會變得太長, 導致想睇實金實銀知識的人須睇多好多文貼 !

低溢價幣如楓葉/鷹楊/愛樂和增值幣如澳洲生肖會留在[投資金銀手冊]分區, 雖然收藏幣也可以變為增值幣, 而低溢價幣和增值幣也可以變為收藏幣 !


新人開始買實金實銀時, 多數會去計價買邊隻實貨會最平, 但之後買下買下就會愈買愈高溢價金銀幣, 而最後只為靚而買不再理價錢 !

近來發現, 原來有一班人是由收藏開始才接觸金銀幣, 所以收藏幣是有出路的, 不過一定要限制自己唔好中曬收藏毒癮買太多和太貴的金銀幣, 因為自己出發點是投資 !

所以買收藏幣, 只會選又有特色而又唔太貴的金銀幣來買 !

2020年1月20日 星期一

【武漢肺炎】防護中心:相信大量新確診與海鮮市場無關

星島日報

衞生署衞生防護中心傳染病處主任張竹君指,武漢新增個案非常之多,相信新患者好多與海鮮市場無關,根據世界衛生組織資料,有證據顯示病毒可能有限度人傳人,但持續明顯人傳人則暫時未有證據。

她相信,其他省份或外國個案患者與海鮮市場無關,都是曾到過武漢市,現時去武漢旅遊已經高危,因此擴大監測至湖北省,希望在接近地方都加強監測。

衞生署署長陳漢儀指,會視乎疫情調查進展,如果內地其他省市或其他國家都有大規模爆發,都會考慮擴大呈報範圍,但暫時都是零星個案。

星島日報

內地多個省市出現新型病毒肺炎個案,據央視新聞報道,被譽爲沙士抗疫專家的國家衛健委高級別專家組組長鍾南山表示,目前有三個特點,說證實了有醫務人員的感染,圍繞新型冠狀病毒的病人護理等方面,有14個醫務人員感染。

鍾南山指,95%以上病例都跟武漢有關係,去過武漢或是從武漢來。目前已經證實了有人傳染,是在兩個地區,一個在廣東,一個在武漢,證實有人傳染。鐘南山表示,出現人傳人和醫務人員感染的情況,是非常重要的標誌。病例數增加較多的原因較複雜。

鍾南山提醒,民眾沒有特殊情況不要去武漢;有感冒要到發熱門診就診;要戴口罩。民眾實際不一定非要戴N95口罩,一般的口罩是能阻擋大部分帶有病毒的飛沫進入呼吸道的,預防新型冠狀病毒,戴口罩還是有用的。​

鐘南山指,對疾病的認識有個過程,現在的檢測有新的技術可以快速檢出來,是有很多原因,不是一個。要定它的話,以前是從國家的疾控中心CDC,或者國家的部分嚴格鑑定以後才能發布,現在的考慮就不太一樣了,因為兩次的檢測有陽性就可以定,這也是一個原因。

的士生意大跌5成 堵路縱火難駕駛外出

星島日報

持續超過半年的反修例風波席捲本港運輸業界。有的士團體今指,由於社會事件影響旅客訪港信心以及市民外出消費意欲,加上不時有示威者堵路及縱火,的士司機難以外出駕駛,業界普遍收入最高峰時大跌五成,現時情況稍微好轉,較以往減少三成生意。

的士小巴商總會理事長周國強指,近月的社會事件嚴重打擊的士業界的生計,更出現有的士無人駕駛的情況。因為星期五及周末期間有示威活動,不少的士司機都擔心路面情況以及自身安全而沒有外出做生意。他又指,在去年六至十一月期間,的士普遍生意額較以往大跌五成,至於近月情況稍微好轉,的士業界普遍收入則減少三成。

另外,香港的士業議會公布,去年下半年度的香港的士服務質素問卷調查結果,發現該季的士服務整體滿意度平均得分為65.75分,達到滿意水平,但對比上一季,部分服務元素的表現有輕微下降。

香港的士業議會自2017年5月開始,委托香港恒生大學全球供應鏈政策研究所,每季進行關於香港的士服務質素問卷調查。去年下半年度的調查於12月期間進行,以隨機抽樣的方式,成功訪問1202位的士乘客。受訪者需為車款設計、專業態度、路面配套3個範疇,共13項的士服務質素進行評分。

本港最新失業率升至3.3%

信報財經新聞

本港失業率持續上升。政府統計處公布,本港經季節性調整的失業率,由去年9月至11月的3.2%上升至去年10月至12月的3.3%。就業不足率維持1.2%。

勞工及福利局局長羅致光表示,由於經濟情況仍然疲弱,令勞工市場進一步放緩。與消費及旅遊相關行業,即零售、住宿及膳食服務業的業務仍然低迷,這些行業合計的失業率維持在5.2%,是三年以來的高位,就業不足率較上一個期間顯著上升,當中從事餐飲服務活動的人士的就業不足率的升幅尤為明顯。建造業的失業率較上一個期間明顯惡化。

展望未來,羅致光稱,倘若整體經濟持續疲弱,勞工市場在短期內將會面對更大壓力。政府會密切留意有關發展。

總就業人數由去年9月至11月的383.06萬人,下跌至去年10月至12月的381.7 8萬人,減少約1.28萬人。同期的總勞動人口亦由395.6萬人下跌至394.18萬人,減少約1.42萬人。

失業人數(不經季節性調整)為12.4萬人,減少約1400人。就業不足人數4.74萬人,與去年9月至11月的數字4.69萬人大致相若。

滙控傳擬關閉逾10家英國分行

信報財經新聞

英國《周日倫敦時報》引述知情人士透露,滙豐控股(00005)為削減成本及提升利潤,正籌備新一輪關閉英國分行的行動,預計今年將關閉的分行數量逾10間,預計行動會在未來數周展開,即集團下月中旬公布年度業績前。

滙控在英國擁有強大的分行網絡,消息指,去年621家分行有5家關閉了。

關閉分行雖有助滙控削減部分成本,但預計集團臨時行政總裁祈耀年(Noel Quinn)會向其他部門開刀,包括投資銀行業務,裁員人數或高達數萬人,主要針對表現欠佳的業務,如歐洲業務。

滙控對報道不予置評。

白宮前經濟顧問:美國對外國貨加徵關稅損美經濟

NOW財經

【Now新聞台】白宮前首席經濟顧問科恩認為,美國對外國貨加徵關稅,損害美國經濟。

科恩接受電視台訪問時稱,目前美國經濟非常強勁,但美國對外國貨加徵關稅只會完全損害美國經濟,原因是關稅令美國經濟欠缺企業的資本開支。

他解釋,美國企業要利用鋼鐵和鋁材用來興建廠房和添置儀器,從而招聘更多工人以刺激經濟,而美國對中國在內的外國國家徵收鋼鐵和鋁材關稅,令企業不會興建廠房,扼殺對經濟的好處。

科恩說,他基本上認同美國面對的貿易問題,但不認同總統特朗普解決貿易問題的手法,認為特朗普在部分貿易談判所走的路,與他自己的理念不相同。

他於2018年3月,特朗普宣布向多國的鋼鐵和鋁材徵收關稅後,辭去白宮首席經濟顧問職務,以表達不滿。

日主要機場引入臉部識別系統 有望縮短旅客等待時間

星島日報

日本主要機場的國際航線登機手續將引入臉部識別系統,擴大「刷臉」通過登機口等的服務,以提高辦理手續的效率,有助於縮短旅客等待時間,並減輕機場方面的人手負擔。成田和羽田機場將從今春在日航和全日空的部分路線啟動該服務,還將研究在關西機場引入這個系統。

引入臉部識別系統後,旅客今後在辦理登機手續時會拍攝臉部照片,和護照、航班訊息一起做好記錄。設在安檢場所和登機口的攝像頭會讀取旅客的臉部訊息,確認是否本人。

旅客可省去了出示登機證和護照的程序,有望縮短等待時間。對機場方面而言,也具有能夠減少安排在各處的職員人數的優點。

在出境審查已導入臉部識別系統的成田和羽田機場,一系列手續將全部「刷臉」。

為防止臉部照片等個人訊息外洩,日本政府要求機場方面在24小時內刪除訊息,不用於確認本人以外的用途。而旅客也可以自己選擇不是拍攝臉部照片,而是使用登機證通過閘口的以往手續。

【修例風波】警民關係組4人遇襲 林志偉斥主辦單位無誠信

星島日報

一批激進反修例示威者昨日趁遮打花園舉行「天下制裁」集會期間,在中環堵路縱火,警民關係組4名成員進入會場要求「腰斬」集會時,遭一批黑衣人追打受傷。

香港警察隊員佐級協會主席林志偉今日向會員發信,嚴厲譴責相關集會的主辦單位外,還指對方單方面破壞與警民關係組的合作和互信關係,視誠信於無物,行為卑劣之極。

林志偉指出,警民關係組人員會到活動現場附近,當面與主辦單位聯絡,故主辦單位理應能夠辨認,甚至認識進行相關工作的警員。但昨日,主辦單位卻向參與者指,受襲的警民關係組人員身分成疑,並挑動在場參加者的情緒,令警員最終受襲。

林志偉還促請支持反修例示威活動,自稱「和理非」的人士,要認清那些所謂「和平集會」的本質。

India's Half-Finished "Ghost Towns" Leave Middle Class In Crisis

www.zerohedge.com

If you thought the American housing market was a mess during the immediate aftermath of the collapse, wait until you read about what's going in India.

Rapid economic growth and the government's gradual economic liberalization have caused the ranks to India's middle class to boom. The emerging Hindu middle class is already reshaping Indian society: Prime Minister Narendra Modi owes his electoral victories to this group, and his reform agenda was designed with the goal of sheparding even more of the country's 1.4 billion citizens into the higher income bracket.

Modi's first term included several important reforms, including simplifying India's byzantine tax system and instituting a simplified system for taxing goods and services (though some argue that it must still be simplified further. He's also helped modernize the country's bankruptcy laws.

But as the country's growing wealth has sparked a flight from India's crowded urban slums to its more spacious suburbs, they're struggling with a shortage of homes, a shortage that has been made even more intense thanks to roughly half a million apartments that have been sitting unfinished for years.

Across the country, outside major cities like New Delhi and Mumbai, hundreds of developments have been stranded by developers, many of which have declared bankruptcy, or simply run out of money to finish the projects, according to the Wall Street Journal.

India's banks, already saddled with bad loans, are refusing to lend any more money to the developers. As a result, millions of Indians who put up their life savings as a down payment on a new, yet-to-be-built apartment have essentially been left bereft, with no money and nowhere to live.

Most are now making ends meet by cutting out any and all luxuries, and relying on friends and family, as they wait to see if the apartments they paid for will ever be finished.

Delhi has the largest number of apartments delayed by more than three years, but the problem is nearly universal across India's cities and emerging suburbs.

Here's a brief recounting of how India got to this point: market liberalizations that began in the early 2000s prompted a crush of developers and consumers all borrowing money either to build homes or to buy them.

But unfortunately, India's stodgy system of local regulations hadn't been liberalized enough, and many developers quickly racked up unanticipated delays thanks to difficulty in securing government clearances. Others had trouble hiring enough skilled workers to build the apartment complexes.

As a result, the number of buildings that are taking five or even ten years to build has skyrocketed.
One woman who spoke with WSJ poured her savings into a new apartment ten years ago. But the development was halted a few years after construction started, and she has no recourse for retrieving her savings.
Jonaki Ray took a loan to buy an apartment in 2009 that has tied up her life savings for more than a decade. To pay for her mortgage, and an apartment she has rented in the meantime, she stopped splurging on things like vacations abroad and a new car.
Ms. Ray has finally been given the keys to the unit, but still has no plans to move in. She has to finish the interiors on her own, and she is worried about safety as no one else on her floor has moved in.
"There is this thing looming over me and I don’t know what is going to happen,” she said. "It’s always there at the back of my head."
These half-built "Ghost towns" now dot the outskirts of India's cities, creating an outrageous blight on the landscape.
Wish Town, a development in the New Delhi suburb of Noida, encapsulates the plight of middle-class Indians who sank their life savings into
The construction workers are long gone, the site’s cement factory and cranes have stopped working. Signs mark aborted projects: a "Sports Field" is still a cauliflower patch, the "Social Club" a shell of a building.
Construction stopped in 2016 when the developer couldn’t pay its debt. Only about half of the 40,000 apartments that were to house close to 200,000 people have been finished and handed over to their buyers. Those who have moved in complain that the golf club, gyms, pools, retail spaces and restaurants advertised by its developer, Jaypee Group have largely yet to be built.
Modi regularly riffs on India's housing crisis and the plight of those who have lost their savings. But it's unclear what, if anything, his government plans to do about it.

One data provider used by WSJ put the total value of all the delayed developments at $50 billion, 10x the number from five years ago.

The question now is: Will Modi commit the enormous resources necessary for a bailout? Or risk alienating the base that just handed him a second term in office? 

Whatever happens, the crisis is just one of the myriad reasons why international investors are beginning to lose faith in Modi's India.