Author Archives: 5tephen 4eo
Smartphones are for stupid people
Here are five reasons why people who use smartphones score higher on the Ignorance Quotient: 1. They tend to subscribe for data plans that they don’t really need or have trouble fully utilising. 2. They use the smartphone like a computer and expect it to offer the same level of performance and experience. 3. They… Read More »
想不到李商隐居然是个同志
I didn’t know Lang Lang is a piano
If Stéphane Denève is the conductor, shouldn’t Lang Lang be the pianist?
Good story to remember when things get you down
The carpenter whom I hired to help me restore an old farmhouse had just finished a rough first day on the job. A flat tire made him lose an hour of work, his electric saw quit and now his ancient pickup truck refused to start. While I drove him home, he sat in stony silence.… Read More »
Buy property? Think again!
Ringo Lam, founder of Wisers Information Ltd, puts it succinctly: 一直租樓的林永君，認為不用供樓，壓力已經小得多。他說﹕「很多朋友工作幾年，儲錢買樓結婚，不久生仔。最初供樓跟着生仔，再供退休計劃，一世人供供吓就供到退休。」對此他一點不認同。 林永君解釋﹕「很簡單，一買樓已壓住筆首期，例如值300萬的樓，一開始付100萬，再加上每個月供的錢，比租金多出5至6千元。現時任何一個基金都可以提供每年5至7%的回報，以20年計，原本的100萬，與每個月多付的數千元，若用來供一個基金，每條數20年後都各自可以有100萬的利息回報。」他指若物業20年後升少過200至300萬，已是一盤虧本的數。 And that’s why I’ve resisted the pressure to own a property, especially now that I’m in Hong Kong.