impromptuz

惡婆進化論

聽番以前三歲半（1993年3月）既電話對話錄音：
媽媽：“大聲d”
我：“我大聲左啦！！你大聲d啦！！” （惡）
我：“呀好煩呀，我好辛苦呀(崩潰聲），byebye！！” （超mung憎，cut線）
到了今日我既燥底態度都係一致的＝＝v
有跡可尋的低到爆EQ…hahaa….
係咁多年來受過惡婆惡劣對待的人，對不起 m(_ _)m
.
今日自己一丁友去了iSquare 看《桃姐》，
看到哭了，葉德嫻的演技一流！
.
地鐵出閘完全無意識要攞個銀包出來, oh I’m a Bostonian~ hoho
.
以前讀報紙有兩版我一定會跳：財經&地產。。想不到。。

崩潰我有經驗選一周最後那天

旋風式訪港
經過沿路熟悉的繁體字籃色路牌，
青馬大橋，隧道，
一回過神來就回到沙田的房間內。
第一次學期中間回家，
猶如夢境。

這次一氣過拖了80多磅行李回來，我正式宣佈，
它們將永久回歸香港。

You may now turn on your electronic devices.
“豬定狼？“
”狼。“
航機窗外頓然蓋上了一層陰霾。

又再次踏上征途。
24小時後，香港見！
最近喜歡聽偏門的歌：

擇日失戀 吳浩康
火鳥楊千樺
不要離我太遠 Stephy
不知所謂 Eason
K Bump of Chicken
到此為止 Shiga
只有一事不成全你 Pakho
螞蟻許廷鏗

(hmm
我係個嚴重prefer用point-form/lists/steps,
按checklist/procedures來辦事/framework的人 -_-，
有良性”集郵“傾向。
記得以前在project evaluation課讀過本書叫”the checklist manifesto”，
講到無論多專業的人，多complex的工種，飛機師也好，急症室醫生也好，
到頭來都要靠organized的checklist to get things right的。
所以“集郵”式按本子處事作風是okay的。完）

Improper:property 2011

(written on April 2011 ..comments on HK property market 2012? need some input for next week hah thanks a lott~~)

(1) 13-year high: End of property market bull cycle in 2011?

Facts:

HK residential property price has already exceeded the peak sky-high price before the 1997 property bubble burst
..and is still steadily soaring. Home prices increases by 60% in 2 years.
No. of real estate agents surged by about 40% in one year ..even my aunt decided to quit her job and join the league.
The highest-paid fresh-grad job in Hong Kong no longer goes to doctor or lawyer — In Class of 2010, a private property investor with 100K HKD monthly income topped the list.
In 2011, HK has the highest home prices and income disparity in the world.

Reasons:

Shortage of land, properties and public housing
Dominance of giant developers: win land auction everytime and construct luxury apartments.
Influx of mainland investors and cash flow: buying in HKD is a cheap 20%-off deal to mainlanders
Low borrowing cost/interest rate environment
Currency peg: QE 1 and QE 2, weak dollar = weak HKD.
real buyer VS speculators: local buyers could never pay their first installment with speculators pushing up prices.

Cooling measures:

Quarterly land auctions: the government is proposing a regular schedule for land sales + 12 land sites release to further boost supply
Additional stamp duty on short-term sales: sellers are subject to a 5-15% additional stamp duty if they resell their homes within 2 years to discourage speculation.
Tightening borrowing requirement in banks: banks raised mortgage interest rate and down payment

F1oni’s forecast: