🌻美國生活
打了疫苗後, 在上週進城了一趟.
許久未出門的感覺很奇妙. 進了城, 也感到大家的生活還是如往常一般, 只是餐廳沒甚麼人(都用電話下單, 或是當場點了東西後就走), 許多人(並不是全部)的臉上也多了個口罩. 旅館的人倒是不多. 但商家停車場的車子應該如往常一樣, 沒有減少.
每次進城, 也一定會到Chipotle打牙祭. 這次試了他們新的飯(參雜了cauliflower花椰菜), 酸酸滋味, 配上原來burrito裡面就有的料, 真的是開胃又好吃, 一口接一口.
最近吃了三家不同的burrito, 還是覺得Chipotle的最好吃. 我想原因之一(不知道我的觀察有沒有誤), 可能是他們把不同口感的配料加在一起時, 有多家一道手續, 讓新鮮脆口的生菜, 烤熟的肉類, sour cream與其他配料均勻地被融合起來, 也讓滋味豐富了起來. 不像其他家的burrito, 一口咬下去, 就是飯, 或是豆類, 分得很清楚, 而沒有不同食材所帶來的多層次的口感.
Anyway. 附上這次進城照的幾張照片在下方.
🌻My happiness project: 年報財報導讀
股市對我來說像戰場; 年報財報就像是兵書. 而一家家公司的年報財報, 對我來說, 就像是故事書一樣, 述說著公司的成長營運軌跡. 做了這些功課後, 持股也會有信心. "Buy and do homework," 是我認為投資該有的態度.
下半年時間比較多, 所以想抽一點時間出來, 跟對看年報財報有興趣的投資人一起來讀資料, 順便藉此分享我是如何抓重點&透過年報財報來做思考的. 也想要藉此來宣揚看年報財報的好處&消除投資人對英文年報財報可能會有的恐懼感. Anyway. 這只是初步的想法. 若要實行也會是九月的事情了.
不過先錄了一段影片, 解釋我是怎麼做財報內容&電話會議內容整理的: https://youtu.be/vvkrs6CiWdw
🌻本周做的功課與閱讀
https://makingsenseofusastocks.blogspot.com/2021/05/blog-post_19.html
這次的閱讀中, 跟成長股比較有關的是這段. 目前成長股也被重新定價中, 所以建議成長股投資人在挑股的時候, 盡量找有現金流, 還有獲利的公司.
"That’s true even for the highflying growth stocks that have been getting hit so hard recently—as long as they have earnings. Adam Parker, founder of Trivariate Research, notes that following large growth selloffs, S&P 500 growth stocks with both free cash flow and expanding margins tend to outperform in the months ahead. That means favoring stocks like ServiceNow (ticker: NOW) and Advanced Micro Devices (AMD) over shares of Chegg (CHGG) and Twitter (TWTR). “Buy some growth stocks on the selloff, but they have to have positive free cash flow and margin expansion,” Parker says."
🌻投資金句
"I learned that you may be right, but if enough people believe you're wrong the markets can really hurt you." --BlackRock bond chief Rick Rieder
🌻The Future of Work
看到BofA寫的這一段, 覺得挺感動的. 這也是投資的目的之一, 能夠藉著這個方式, 來接觸到世界的脈動.
The Future of Work
Thematic Research
BofA Global Research
bofa.com
May 12: The future of work is not zero-sum between humanity and technology. We believe humans can collaborate with and work alongside robots, rather than be displaced by them, and that technology can create more jobs than it destroys. By 2025 alone, the WEF [World Economic Forum] thinks automation will add 12 million net new jobs, with robots eliminating 85 million jobs but creating 97 million new ones. Other grounds for optimism include: (1) 65% of children starting school today will work in jobs that have not been invented yet; (2) “new” collar jobs will be generated from well-placed thematic sectors like healthcare, renewables, new mobility, or even moonshot technologies; and (3) we might actually be more productive and have more leisure time if robots can relieve us of more mundane, repetitive everyday tasks. We have identified $14 trillion in market cap of enablers for the future of work. Technology, industrials, and medtech are some key beneficiaries. We also see opportunities in education and the upskilling/retraining of workers by corporates. Conversely, commercial real estate/offices and legacy transport are some of the sectors facing headwinds...
So, what are the truly futuristic jobs that could be invented? Data-privacy managers, nanomedicine surgeons, lab-meat scientists, blockchain strategists, space-tourist guides, freelance biohackers, AI avatar designers, 3D food-printer chefs, leisure-time planners, ethical algorithm programmers, and brain simulation specialists, to name but a few.
🌻Dividend Growers’ Allure
這段從股息的角度, 來講解傳統價值股跟成長股的不同處.
Dividend Growers’ Allure
Insights & Commentaries
Washington Crossing Advisors
washingtoncrossingadvisors.com
May 10: Buy quality stocks that increase dividends regularly. This simple strategy takes a long-term view of investing and focuses on the dividend, not the stock price. Passive income generated from dividend growth has two main benefits. First, it focuses your investment strategy on cash-generating, growing companies. Second, it tends to lead to quality businesses that are neither too young nor too old.
Why is this so? Almost by definition, a dividend-growing company tends to cover expenses with rising cash flow. And which companies do these tend to be? They tend to be profitable, established companies in the middle of their corporate life cycle. By contrast, young companies tend to be burning cash, constantly in need of capital, and face a higher risk of failure. Such young firms tend to not pay dividends at all as they are consumed with growth. On the other hand, older companies often funnel most or all cash to investors as dividends because viable investments can no longer be found. These firms are often in decline and offer little growth, often reflected in a high current yield.
Picture:
1. Chipotle內部. 可以看到有個取餐的架子. 餐廳人員也不時在電腦螢幕前, 看進來的訂單, 備菜.
2. 旅館外一區. 面向密西根湖.
3. CSX, Union Pacific的火車廂(這兩家都有上市)
同時也有7部Youtube影片,追蹤數超過5,440的網紅Chris Quimbo,也在其Youtube影片中提到,My 5 Sources of Passive Income Hello everyone! I wanted to make this video to share with you guys my different sources of passive income. I'm still w...
「passive income investing」的推薦目錄:
- 關於passive income investing 在 貓的成長美股異想世界 Facebook 的最佳解答
- 關於passive income investing 在 陳冠廷 Kuan-Ting Chen Facebook 的精選貼文
- 關於passive income investing 在 USA STOCK Facebook 的精選貼文
- 關於passive income investing 在 Chris Quimbo Youtube 的最佳貼文
- 關於passive income investing 在 豐富 Youtube 的精選貼文
- 關於passive income investing 在 我要做富翁 Youtube 的最讚貼文
passive income investing 在 陳冠廷 Kuan-Ting Chen Facebook 的精選貼文
剛好看到楊斯棓醫師的臉書。過去與許多在台投資的商會朋友,特別是受薪員工常聊到,很多在台工作的專業人員,例如高科技、資安產業的朋友,儘管薪資高,但是在台灣的所得級距,常常就會到40%的級距。
但台灣各大企業繳的稅卻又低又少「不僅是亞洲四小龍中最低,只佔GDP的二.七%,也比中國的三.六%低,更不到香港的一半。」(天下雜誌-企業好大稅好低)
我們都歡迎大筆投資進來台灣,不管是工廠、設備、土地,但是所有投資裡頭,最能夠發揮綜合效益的,就是人才資源。
然而這些專業人士,不管本籍外籍,所得來源通常不來自被動式收入,不來自租金、有價證卷等其他資本孳息等收入。(巴菲特曾說,他繳的稅率比清潔工低)
而這些專業人士,通常也更會將他們的薪資收入,更大比例重新在一般「消費市場」,而非「資本市場」消費。
他們會花費在下一代的教育,他們生活周遭的市場、餐廳、
遊樂設施,而這些消費也會有正面的效應,回到一般民眾。一層一層下去,對整體經濟更會有正面的影響。
台灣接下來面對的挑戰,更需要一群來自海內外的所有專業人才一起打拼,讓簇新的思想以及判斷事物的不同原則一起激盪,從移民法規、稅制,我們都可以破除所有前例,就算會經歷一些辯論、陣痛。
或許除了專注於貨物、商品流通,我們更該注重國家發展最重要的主軸:人。
In the past, I often talked to many friends in business associations investing in Taiwan, especially their salaried employees. Many professionals working in Taiwan, such as high-tech and security industry friends, despite the relatively high salary have an income gap in Taiwan that often reaches the 40% level compared to other markets.
However, the taxes paid by Taiwan’s major enterprises are low. "Not only is it the lowest among the four Asian dragons, it only accounts for 2.7% of GDP, it is also lower than China’s 3.6%, and it is less than half of Hong Kong." World Magazine-Enterprises have great taxes and low taxes)
We all welcome large investments in Taiwan, whether it is factories, equipment, or land, but among all the investments, the most comprehensive benefit is human resources.
However, these professionals, regardless of their foreign nationality, usually do not derive their income from passive income, nor from income such as rent and other certificates such as securities. (Buffett once said that he pays a lower tax rate than cleaners)
And these professionals usually also reinvest their salary income in a larger proportion in the general "consumer market" rather than the "capital market".
They will spend their education on the next generation, the markets, restaurants,
Amusement facilities, and these consumptions will also have a positive effect, returning to the general public. Layer by layer these have a positive impact on the overall economy.
Taiwan’s next challenge will require a group of professionals from all over the world to work together to stir up new ideas and different principles for evaluating things. From immigration laws and tax systems, we can all break all the previous examples, even if we will experience some debates and pain points.
Perhaps in addition to focusing on the circulation of goods and commodities, we should pay more attention to the most important main pillar of national development: people.
passive income investing 在 USA STOCK Facebook 的精選貼文
請問下列段落中,共有幾家美股投資標的?
「一早起來,拿起蘋果的手機看新聞,穿上Nike的鞋子出去買一杯星巴克咖啡,然後拿起Coach公事包,開著福特汽車,去花旗銀行開戶,中午因為有會議,外帶了麥當勞回公司,拿著戴爾的筆電做微軟的Excel報表,下班後就去好市多採買食材 …」
看完你是否發現…原來我們與美股這麼近!看來買這些準沒錯對吧?
答案是….錯!
那到底該怎麼做?
閱讀全文 https://etfs.tw/life-investing/
▌關注 #台灣ETF投資學院,學習投資理財小知識▌
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#投資 #理財
passive income investing 在 Chris Quimbo Youtube 的最佳貼文
My 5 Sources of Passive Income
Hello everyone! I wanted to make this video to share with you guys my different sources of passive income. I'm still working as a nurse, but I'm slowly building my passive income sources so that my husband and I can retire in a few years. The best thing about having passive income is that you're making your money work for you and it requires very little input once you've set it up. I hope this video gives you guys ideas and motivation to make your money work for you. Good luck and I'll see you guys next week.
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passive income investing 在 豐富 Youtube 的精選貼文
主持人:楊應超
第一季-第11集:分析師是如何挑股票的
節目直播時間:週五 14點
本集播出日期:2020.11.20
⏭ 章節:
00:00 頻道片頭
00:07 開場
01:09 節目片頭
01:27 分析師是如何挑股票的
12:43 Q&A:投資的稅務規劃和手續費很重要
26:48 請繼續提問:你活著不是為了工作,祝大家早日達到FIRE財務自由
29:14 節目片尾
29:41 頻道片尾
📝 名詞補充:
1. Active Investment:主動投資
2. Passive Investment:被動投資
3. Income Statement (P&L):公司損益表,Profit and Loss
4. Revenue:公司營收或收入
5. Gross Profit Margin:毛利率
6. OPEX (Operating Expense):營運費用
7. Operating Income/Profits:營運利潤
8. EPS:每股獲利
9. Non-Operating Income:非營運,業外收入
10. Cash Flow Statements:現金流量表
11. Cash from Operating:營運收到的現金
12. Working Capital:營運資金
13. Cash from Investing:投資來的現金流
14. Cash from Financing:財務操作來的現金流
15. Balance Sheet:資產負債表
16. ROE:Return on Equity
17. ROA:Return on Asset
18. ROI:Return on Investment
19. Inventory Days:存貨天數
20. Account Receivable:應收帳款
21. Capital Group Study:20年股市投資的回報研究
22. Market Timing:挑進出股市的時機
23. Accenture:美國有名的管理顧問公司
24. Gift Tax:贈與稅
25. Estate Tax:遺產稅
26. ROTH IRA:美國不用上稅的退休投資
27. Capital Gain Tax:資本利得稅
28. Front End Load:買基金時先交的手續費
29. Back End Load:賣基金時後交的手續費
30. No-Load Mutual Fund:不需要付交易收續費的基金
31. Management Expense:每年基金管理的費用
32. Private Equity:私募基金
33. Water Mark:也叫Hurdle Rate,每年收益的最低標準,過了後管理公司才能分到20%的利潤
34. 2/20:每年2%管理費,錢賺過Water Mark後收20%利益
35. Skin in the Game:切膚之痛
36. Exposure:風險
37. Incentive:激勵
38. News Flow:每天的新聞變動
📚 參考書訊:《財務自由的人生:跟著首席分析師楊應超學華爾街的投資技巧和工作效率,40歲就過FIRE的優質生活》 https://eslite.me/w24ad
#楊應超 #財務自由 #股票
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passive income investing 在 我要做富翁 Youtube 的最讚貼文
不少投資新手最忌諱的事情就是「借錢」和「債務」。事實上,大家都知道在投資上,越多資源通常就能獲得越大報酬。今集 #街頭智慧 皇叔會同大家分享自己的槓桿經驗,如何配合經濟週期去調整槓桿水平,透過「借錢」來把握機會。不過大家要留意,財務槓桿是一把雙刃刀,既能放大報酬,也會放大虧損。如果有餘力,大膽去做槓桿才能夠致富。
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施傅【10年財務自由】1小時簡介+工作坊
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#投資 #收息 #槓桿 #房地產 #股市 #借錢 #經濟週期 #買樓