“Back to the Future” Kind of TV Series

“Back to the Future” was a movie release in 1985. The story of the movies was about a person found out he could travel through time by accident.

In the movie, the person who invented the time travel, Doc said the future could be altered if the person traveled to the past wasn’t careful about what he did. However, if you saw another movie released last year, “Avengers: End Game”, Banner said the future would not be altered, instead it would create another parallel to what have already happened.

Well which version is true? No one knows for sure. As no one has done that before? Right?

I personally is not a fan of this kind of time travel TV series or movies. I don’t mind watching if the story is good, and it is the case with the Mandarin TV series “one day or some day”. It is romantic love story, kind of “somewhere in time” but in a more complex way. As the time travels not just happen to main actress and actor, it also happen to the actor in a supporting role where he played a major part of the actress death in the past.

Anyway it is an interesting TV series, and you should watch it.

單食 XO 醬的滋味

醬料可以單單放入口嗎?這視乎情況。例如豉油很鹹,所以一般不會單放入口的,會連同一些食材,或者攪勻米飯,麵等,才放入口。但一些醬料例如蕃茄醬,單放入口有種甜酸的感覺,所以這樣吃,也不覺得很難入口。又例如 XO醬,單吃雖然有點鹹,但也有種香辣的感覺,所以與單將豉油放入口,感覺是不同的。

說到這裏你可以說我有點奇怪,為何喜歡單將醬料放入口?喜歡吃的朋友都知道,要知道醬料什麼味道才能用來煮食,這樣才能調味呢!所以單將醬料放進口不是奇怪的舉動,任何會煮食,喜歡吃的朋友都會這樣做的,哈哈!

樓價升?只是美元跌罷了!

全球經濟因疫情而受到拖累。就近期各國所公佈的 GDP 數字來看,美國第二季的 GDP 跌了3成多,而香港也跌了 9% ,不過樓價卻反其道而行,樓價指數升了 3.5%,為何經濟跌,樓價反而上升呢?這因為美匯指數下跌,而港元是與美元掛鉤的,所以這所謂樓價升,只是因為美元貶值所造成的錯覺罷了。

除了美匯下跌,也因為美聯署狂印銀紙的關係,樓價也會因此受惠,熱錢多了,有些就會去買不動產,樓價上升乃是必然。

不過置業的確是一個認真的事情,如果首期不夠而要借二按的話,這就不太建議,因為經濟何時復甦真的是個未知數,個人認為保守一點較好。

 

買了樓 借了二按是否代表人生一帆風順呢?

在很多港人心中,置業是人生的必須。沒辦法置業好像缺少了什麼似的,尤其對女士來說,安全感是要緊的,一個物業不知為何會給她安定的感覺,覺得有了它就萬事都穩妥。不過事實又是否如此呢?讓我們看看以下案例,再判斷一下是否「有樓就萬事足」。

案例一:政府公務員剛結婚

這位政府公務員,從事海關工作,入息非常穩定。在 2018 年買了一個白石角單位,由於是政府公務員的關係,發展傷說他做二按,總貸款額 560 萬。但這位海關關員不知受了什麼刺激,參與去年反修例運動,甚至參與縱火,及刑毀案件,事後被揭發,停職查辦。家人開始非常擔心如何去供樓,如果很不幸最後被革職的話,單靠太太的入息根本就不夠!所以有樓萬事足?

案例二:地盤工程判頭

做建築行業,過去一年真的很慘,除有反修例運動運動外,又遇上了疫情。很多地盤也因此停工。工人要停薪,公司收入也因而大打折扣。這位判頭與以上例子好似,就是2018年時,購入一個位於將軍澳的新盤自住,當時計算好供款計畫,以為問題不大。不過因為太長日子開工不足,他需要瞞著銀行出去做二按。

瞞著銀行做二按有一定風險,萬一自己清還不了二按的話,二按債主可能將按揭註冊,這等於通知了銀行。銀行一旦知道,有機會立即要求借款人清還二按,或清還一按貸款,到時還不到的話,銀行可能會收樓,所以有樓真的是萬事足?

當然這些疫情,我們是不能遇見的,不過想置業人士真的要小心衡量自己風險,如果儲蓄有一定銀碼可做首期及日後供款的話,相信就是社會有什麼事件也可暫時應付。

按保甩走「枷鎖」最多可借 8 成?

政府在去年第四季放寬了按保上限,800 萬以上物業,如買家屬於首置的話,最高可按保公司借 8 成按揭。有人話這舉動「救」了當年用發展商二按上樓的業主,因為他們終於可以將按揭轉到銀行了!

但事實是否真的如此呢?有按揭公司就訪問幾位想轉按甩走發展商二按的買家,發覺如果屬於轉按 case,銀行一般只會按為未償還的樓按做轉按,而且成數一般比一按時低。舉例說,假設樓價買入時 700 萬,現在升到 800 萬,在轉按時,銀行只會做 6 成按揭,即最高貸款額為 480 萬。假設當年買入時,業主做了 8 成按揭,即借款 560 萬,自己還要抬幾十萬才可以甩身。

此外以下例子,按保公司是有機會決絕申請人的申請的:

如果業主曾經向將物業抵押給財務公司的話,按保公司不能接受
申請人在剛購入單位時就想轉按,但由於水電煤等設備還沒有連接好,最後用了舊住址作按保申請。按揭公司發現後,懷疑那單位不是自住,於是回絕業主申請。

夫婦其中一方因收入不足,另外一方需要作為擔保人,但被發現已擁有物業,因此懷疑申請單位是否自住,所以最後決絕了申請。

清潔用品續缺貨,有人猜想到夏天才有貨

因為新冠肺炎的關係,再加上聯辦環境署提及一些消毒清潔用品能有效抗疫,導致商品缺貨,也簡直推高某些品牌的生意額,不過因為這疫情突如其來,很多廠商根本沒有及時準備商品應對需求,所以導致產品長期缺貨。

著名品牌製造商 Reckitt Benckiser Group 稱已加快生產消毒產品來應付需求。但供應管理協會執行長戴瑞(Tom Derry)指出廠商不可能將生產量在短期內大幅提升,恐怕這缺貨現象要等到6月才能有所緩和。

活到老,學到老。老齡狗也可以訓練他們嗎(1)?

中國人有句說話叫活到老,學到老。人是這樣,狗隻也可以。有研究發現老齡狗與幼犬,做起犬隻訓練其實沒有多大的差異,只是比成犬效果可能會差少許。只要主人願意教,年老的狗也會學得懂,問題是因為老齡的關係,主人要多點耐性,以下是訓練牠們需要的竅門:

https://pics6.baidu.com/feed/024f78f0f736afc3910019115a2effc1b7451276.jpeg?token=9cc273ed8f7e1a676d8164276e19d63c&s=F21A1EC57472079E9213A02A0300B05B

了解狗狗的訓練史

如果你家中的犬是自少養的話,要找回狗狗的訓練史,應該不會很難。但如果是領養的話,就要向有關方面了解牠的訓練史,例如以前學過什麼技能,跟誰學。知道了以後就可以制定訓練計畫了

考慮狗狗的身體狀況

老狗視力、聽力、體力也大不如前,所以建議應訓練一些簡單動作,切勿要牠們奔跑,或做敏捷性的訓練。

用獎勵方法教他們

如果狗狗做對了你指定牠們做的,就應該獎勵牠們,及無視一些錯誤的行為,這點與訓練幼犬沒有多大兩樣。

以上是訓練老狗的三種方法,下回我們再看餘下的三種方法。

Looking for an Office for Rent?

A Business that is starting out should always resort to picking a productive office for rent in order to plan and let their brand flourish each day. There are some things you have to be careful of with offices because one careless move can take your brand to its lowest state in just a matter of months or even before it starts. Sometimes office with equal coworking space isn’t enough, and you have to stress on other important pointers too. Sometimes offices have spacious built interiors with spacious coworking space, but sometimes they lack the right facilities and features to jet-set their business.

We can start this off by all agreeing on the importance of location and how it can be the root of your foundation. If business owners don’t pay attention to the set-ups of their businesses, then it can cause a huge loss. An office for rent should always have easier access to transportation and parking spots. Your employees and clients should be devoid of hassle during visitations to the office. A Neighbourhood that is convenient with easier access to the basic amenities is a plus point.

A Pet peeve for many employees at work would be the restricted space between co-workers. It becomes a problem when there isn’t enough coworking space. Make wise choices according to the state of your business and be flexible with your modifications and wants. Employees need to be at ease while they work and shouldn’t have to deal with less coworking space.
What most business owners don’t understand is the importance of having pre-installed facilities in the office you are about to rent. If you aren’t in an office with all these important necessities, then you will have to splurge on extra added expenses. A Layout that is already prepared and comes with all the required infrastructure is extremely important and is always a plus point if you’re on the lookout for one.

A full assessment of the office lease should be done to avoid future problems. It can be a problem when expenses start to appear suddenly and pile up the billing for you. The landlord needs a transparent and honest relationship. There has to be healthy communication while checking the lease adequately to avoid any sort of added fees.

Business owners should always look forward to the office for rent that provides easier modifications as well as the required facilities for you and your employees to function on. It will benefit you and provide you with the right tools to grow your business.

An ideal office should always have adequate coworking space and also facilities to highlight the image of the brand towards stardom.

Live house 要沒落嗎?

Live house 一個播放現場音樂的地方,專門給一些獨立音樂人去演出,演奏,或做個人專輯發表的地方。在香港,不知為何這種 live house 通常與餐廳、食肆、或酒吧結合?或者飲飲食食才可以增加收入,單單賣現場音樂,在香港的市場不夠大。尤其在 live house 表演那些都是寂寂無名的獨立音樂人,根本不會帶來什麼經濟效益吧。

那麼 live house 在香港沒落嗎?這也不好說,雖然香港的 live house 的確發展比較慢,而且因為租金,人工等因數限制了本地 live house 的發展。那麼政府政策可以協助這個行業發展嗎?筆者相信政府的政策或者可以幫到些微,但最主要的是業界要多做點宣傳,成立協會去推廣 live house 文化,而不是每樣事情都等政府解決。所以沒落,不沒落是看業界的取態,如果繼續是 「怨天尤人」毫無上進,沒落基本上是肯定的,如果能結合業界的力量,或者可以闖一片天。