曹仁超 also doesn’t agree that lower currency is definitely related to higher property price. There are many more important factors. That’s the same view as 仲達. I also agree that extending Obama’s presidency will not lead to continue rising in property price. It seems that we are in the middle of 風眼 with lots of sunshine and little wind. But the strong wind is actually out there, and it is accumulating, because The US and Europe are giving more and more money supply to try to extend the “peaceful” and “prosperous” period.

英文唔好就打中文啦  

女童變弱智癱瘓 醫局遭索償4600萬

Sure! But I don’t have Chinese typing software here. Perhaps I can use my smart phone to type. However, If you can’t understand my poor English, then your English should be even poorer. If you can understand, then why bother? This is not an English competition…

很同意仲達兄及亮劍兄所說,強醫金同包攬訴訟行不通,香港人不要被民粹政客誤導!!!

Haha, i am sure my English is much better than yours.

At least, i have no difficulties in reading SCMP.

What kind of logic it is "If you can’t understand my poor English, then your English should be even poorer"??

Okay, my bad. My english is poorer than yours.

lower currency???
higher property price???
....
I lost count.

如果大家記憶不太差，應該記得早前不久，財經事務及庫務局局長陳家強，才公開呼籲大家不要買樓，應買股票，分散風險：要是聽從了他的「高見」，真不知如何是好，又或者，香港除了進口大量大閘蟹之外，也盛產「金融大閘蟹」，分別只是後者既不能吃又不能出口。

哈哈，仲達兄這段真幽默，或者陳家強應該多一個局長名稱，叫炒股局局長！

 

首先，我唔係歧視同性戀，但堅決反對同性戀者有時做嘢得吋進尺。
呢家爭取立法平等機會同性戀者，我唔反對，但有保留。我認為要深入研究，以免直人誤踩巒人而墮入法網。因為，歧視同性戀者的法例，在外國，是可以輕易以言入罪，好似玩文字獄咁。唔比一個喺外國讀書嘅女，被強迫接受同性戀者資訊，咁都叫歧視，可以被告。外國同性戀者，係好有組職，普排搞立法，搞人權鬥爭，一步步地咁不斷滲透和灌輸下一代同性戀係啱，係好正常，唔係罪過。

人，有自由是否喜歡同性戀者，你可以接受，可以抗拒，但講到尾，點都唔應立法唔比我唔鐘意。我都可以要求立法，唔比巒人歧視直人。再遲下，班同性戀者爭取到同性婚姻合法後，又一定會爭取領養埋孤兒院班細路，班同性戀者做嘢，係一步一步來，好有計劃，好有步驟，好有陽謀，好似共產黨慣用嘅溫水煮蛙手法，而且仲好有耐性。

反對有人當選之後，先公報性取向。點解佢唔當選前公報性取向？
因為，有人想借取一啲組織做槓桿，先當選議員，後公報取向，咁咪唔公報性取向住囉。當選後，係有即時公報性取向，但成件事，係選完之後公報，唔係選完之前公報。相信，有選民係反對同性戀，難道呢班人嘅意願唔需要被尊重？佢哋無諗過自己選嘅人，一選完出來就搞同性戀。我認為選票，可以賺得光采Ｄ。

我明白，在中國這個重視倫理關係的地方，選民要選一個同性戀者做議員，係唔易。但我又認為，光明正大就選舉前公報性取向，唔係當選咗之後，先公報性取向，呢度係有分別。正如明星結咗婚，唔應該紅咗後，出咗名後，才宣告自己有老公，有老婆，呃ＦＡＮＳ有咩分別。

想為同志發聲，喺香港都要有計有謀，咁多事前部處，係慘ＤＤ嘅，香港係"落後"少少嘅，但唔好忘記，中國係一個堅守倫理正統嘅地方

Re: 6/F So you can understand, then why bother? Let’s focus on the topic, not English. Even if you are a native English speaker, if you don’t have logic, you don’t have a value here. 

老實說, 有人英文不好，我很少那別人來說，因我知天高地厚。
在鬼佬眼中，我的英文相信是被他們笑的。但我有自知之明。

你的英文，我看不明！！！Lower Currency點解？？
你的英文不堪入目，我才看不過眼！！

算吧，不說了，免得被管理員話我擾亂秩序。

其實反對歧視，是否［哲學］學問來架？

咁拎公援的人，內地新移民，或者香港老夫娶個內地少妻，來港生子，都可以要求立法，爭取平機，第日邊個香港人歧視佢哋，告得入喎！人有權歧視任何人，正如我天生唔鐘意飛蟑螂，飛甲由，我係唔鐘意，無得變，你可以通過宣傳教育令我鐘意，但唔係立法唔比我唔鐘意，反對有人以一步到位嘅陽謀，立法強迫人地鐘意你。以事論事，立左法又點？只會有人在法制下，對你虛偽，咁又有乜意思？

上述如果我又有歧視，咁你又告我坐監？問心，同性戀者最後尾，是否肯定會爭取領養孩子（孤兒）？但呢家無人夠膽早Ｄ講我哋聽，佢哋第日仲會爭取邊啲嘢。

都是預期通脹惹的禍！

各國政府實行量化寬鬆，連牛頭角順嫂都知道持有貨幣註定貶值，因此大家有錢就儘量投資以求保值。大眾有此普遍心態，則投資市場一定充滿風險，因大鱷在此揾食，最終結果是平民百姓的血汗錢流入大鱷的口袋。

相對股市，樓市不易受大戶操控，走勢相對合邏輯。這也是多數平民百姓在樓市容易獲利，在股市血本無歸的原因。

然而政府屢屢出招打擊樓市。在貨幣註定貶值的現今世界，可有一相對安全之地，可供我等小民儲存血汗積蓄？

一不小心，半生積蓄將化為烏有，中產下游化，貧富懸殊更為加劇！

lower currency "value"... OK? Lower currency value doesn't equal to higher property price. This is what Mr. Cho suggested. Of course we shouldn't talk about English level, this is not the place. So, please be polite and respect others. I don't have a Chinese typing software here that's why I type English (Google translate doesn't do the job too well), not because I don't love using Chinese. 

ＴＯ：８樓

陳家強＝蕉皮局長。

曾俊華＝瘟神財爺。

 

ＴＯ：８樓

陳家強＝蕉皮局長。

曾俊華＝瘟神財爺。

 

這個的白痴政府的鼓勵我們進入股市，他們只是把我們推到一個非常危險的境地。他們的白痴邏輯是什麼？

陳家強並非白痴，事實上，現今政府官員只有他較懂經濟。鼓勵你們進入股市，只是一時失言。

比起劏房茅波，陳家強好多了。

Hahaha to Yellow Man.  I got criticized for the exact reason here & people can be complaining even to your choice of medium to communicate!  Crazy isn't it??  I have the exact problem like you, no software here to instal Chinese type-writing & to be honest, key-in English will be thousands of times faster on my PC than key-in Chinese using cell phone.  So people why bother??

The writer has very good points this time, wanna appreciate his analysing power & insight.  My hubby & I were in China watching the whole day US Presidential election.  We're happy Obama got elected but honestly I asked him if you have the voting rights, will you choose him??  His answer is a "No".  And saying that his policy's gonna make U.S. economy dump further......The Dow already welcomed him the 1st night he got elected.  Chung Tat you're right in saying that printing money doesn't just mean the assets will forever appreciate in value. Lots of factors still to consider but at the moment, I'm abit lost about what to invest next. Just now I got an offer to let go my 1732sq ft flat but I was thinking what do I do with the money?? Even stocks performance has been discouraging & even if you personally visit any bank(I did that 1-2 months ago)spent 20 mins for a survey & listen to their recommendations, it's all crap! There's nothing that could offer me steady 7-8% return safely, all have certain risk to go.......Headache!!!

Forward 成篇文都鼓吹無政府狀態，最好政府什麽都不做，任由樓市由炒家控制。

炒家網，愛老作！

In recent years, developed countries print a huge sum of currency to save their dying economies.  No one won't disagree, right?? 

 

From my point of view, infinite amounts of money will only chase to buy scarce assets such as gold, agricultural prodcuts, properties (especially for HK properties), etc.  One important word that need to pay attention to is "scarce".  I believe that shares or stocks are not a scarce asset, because they can be printed anytime at any amounts you want theoretically.  That's why money supply increases but share prices do not.

 

Also, the driving factor of share price is enterprises' profits and dividends, no matter how complicated are the financial derivative products are.  If the economy does not perform well, enterprises' profits will not be expected to be good.  How can you believe to have good share price performance, although money supply increases a lot??

 

Please think that increase in money supply can directly help improve enterprises' profits??  If not, please don't trust QE can help the prosperity of stock market.

 

To be sure, Mr. Cho's predictions are not very accurate.  Right before QE2, he set up a fund and he acted as the fund manager.  He said previosuly that he failed to secure 20% p.a., he would close the funds after 1 year.  Does anybody remember this??

 

To be sure, he does not do any solid works to analyze property market before making any comments.  He simply used his past 97 experience to criticize property markets.  He does not know many factors such as:

 

1)  the current gearing (borrowing) ratio of banks and mortgage borrowers.  Overall borrowing levels nowadays are much lower than 1997;

 

2)  the affordability of real property buyers.  Mr. Cho uses the income levels of general public to assess the affordability.  As I know, income gap between the real buyers and 塘边鵝 is unbelivably high.  For those real buyers, is it really hard for them to buy properties now??

 

3) Interest rate environment.  Is he very familiar with US economy??

 

Basically, Mr. Cho's words are not very useful in predicting the property market.  He just blows water only.  Don't take it very serious, because he does not do homeworks seriously.

I think that Mr Cho is very familiar with stock market, but he is not good in property market, So I think his opinion in stocks market is not bad, but in hk property market, he didn't buy after 1997! So he missed the increasing period from 2003,you can say he is a expertise in stocks but fool in property.

唔洗講，你話樓市會跌三成，明白。

回24: paker 並沒有說樓價將跌3成。

回25: 我的意思其實是說樓價將跌3至4成的。

很多人預測樓價會下跌3至4成，即是回到2年前，但是這2年入市的大多數是用家和長線投資者，若不是本身財政有問題，用家怎可能把自住物業賤賣給別人，而去租樓住捱貴租。

而長線投資者，這2年的租金和物業價格上升已經不少，就算樓價回到2年前，也有2年租金回報，除非樓價預期下跌至5至6成，否則很難有誘因把物業出售。

 

 

唔跌價，所以冇人買。

所以要扑傻瓜

在自住立場上，置業主要為家人有一個安定居所，只要是能力可以負擔，就算樓價下跌，也沒有必要把物業出售。所以物業在用家手上，是很難再回到市場上了，所以樓價也沒有預期大幅下跌。

多謝各位的回應。

給Yellow Man及anggie T.：很高興兩位欣賞本人文章，兩位的觀點都不錯，請多留言。至於用英文留言是絕無問題，以此網站讀者質素之高，相信不會構成理解障礙。

Peter Paker的長篇回應，更是精彩，還望多多賜教。

多謝仲達、Anggie支持！我當然會繼續留絀言，不論用英文或用中文，相信這裡的讀者閱讀是不會有困難的。

What's the point of highlighted some of the sentences of the articles??

Are the people who read this blog have Dyslexia??
Or the writer think his articles are very great?? LOL

To Yellow Man,

I think your Eng. is OK,just don't be down.I appreciate that you use Chinese after criticizing by Mr. 2/F.To perform well in response to someone being hostile is not easy esp. you're quite young I guess.I used Eng. input for similar reason,since I noticed somesone was mad about Anggie for not typing Chinese...I used Chinese instead.Now it's middle @ night so I write Eng again.Hoho...just take it easy Mr. 2/F,...using Chingish is cool for Hongkies ^^

Well,I like Mr. Cho but this time I agree w/c Peter's view.Cho is getting a bit lazy honestly.

 

I just saw the comments of above.

Sorry, this time, i support 2/F Mr. 墓言. He did not criticize Yellow Man using English. He criticize his poor English. Yellow Man's English took me quite a time to understand, with guessing.

Poor English is contagious. But no one come out to side with Mr. 墓言. He is doing the right thing! I am baffled why not one support the right act, instead, supporting using Bad English?!

This is the society of HK. Criticizing is not wrong, as long as it is reasoning. The inclusiveness to the "Bad" thing, and lashing out the "Right" act, that is killing Hong Kong.

財政懸崖一定唔會發生啦，奧巴馬定過抬核彈！買定地產股一定唔會錯！

過去幾十年，黃金價格同本港市區樓價相互追逐，除了因為本地政治及沙士問題短暫影響，整體大致保持一兩金一呎樓比例，如果明白金價走勢原因，本港未來樓價走勢可以想像！

奉勸各位真心想買樓者，有筆錢但唔係好夠首期，再加埋正苦搞屎未知幾時完，港美滙又Ｐ梗，依家最好分段買入黃金（或金鑛股），此消彼長之下，樓價跌小小，金價升小小，加上人性鍾意有賺有買賣，置業夢就近好多。ＰＳ今日買金股亦是好時機！！

(純粹個人分析，以上不構成投資買賣建議）

 

 

 

 

I have some questions about the 'mandatory medical fund' (MMF) the author mentioned here.

As far as I am concerned, it should be an individual account like MPF ie. no one can consume a penny.

I think the current health care system is actually 'pay-as-you-go'. In the author's word, '其實是迫人付錢醫治他人的父母' which is settled by governemnt budget.

From my point of view, I dont bother much in this issue as I am holding enough medical coverages for myself and my family (which usually an exemption under MMF). I believe it would be more fair to our next generation since at least my bill would not pass to them.

Although we have to check the our own bill and also the elderly's right now, it seems a burden, anyway just treat it as a blessing to the olds.

正如這個白痴網站鼓勵我們高追樓市，他們只是把我們推到一個非常危險的境地。他們的白痴邏輯是什麼？

我想英文有番禁上下的人，即係我，先會知道“墓言“同“Nuthead“ 的英文，係好過晒其他經常用英文喺呢度留言嗰幾個。

多謝讀者Mortgage的回應。

奧巴馬的醫療改革，之前一時不小心寫錯了，要認真寫的話會很長篇幅，但畢竟與大部份港人無關，而地產及重要的政經題材已很充足，恕不另文詳述，只作出上述更改。