Time to change the habits

2018年10月

Self-made billionaire Mark Cuban has advice for those looking to build wealth: Don't use credit cards.

Settle the payment of credit card debt personal loans with low interest rate and flexible repayment tenor. Clear all your card debts and achieve greater financial flexibility by applying our service now!

"Cut up your credit cards. If you use a credit card, you don't want to be rich," the "Shark Tank" star wrote on his blog in 2008. "The first step to getting rich requires discipline."

It's advice he wishes he had heard in his 20s, he told Business Insider in 2014, "that credit cards are the worst investment that you can make. That the money I save on interest by not having debt is better than any return I could possibly get by investing that money in the stock market.

"I thought I would be a stock market genius. Until I wasn't. I should have paid off my cards every 30 days."

Pinpointing your target customers through programmatic buying and Online advertising strategies. In YouFind, our specialists will help to maximise results by focusing on the right person at the right time.

Credit card companies make it incredibly easy to spend money you don't have: Most cards only require you to pay 1 percent to 3 percent of your balance each month, a tempting option if your budget is tight, but a costly one, thanks to interest. perhaps that's why U.S. households now collectively hold over a trillion dollars in credit card debt.

Cuban's solution is to ditch the plastic. Most Americans, 71 percent, have at least one credit card, though, CreditCards.com reports. And more and more Americans are opening accounts: The American Banking Association found that as of the end of 2017, there were 364 million open credit card accounts in the U.S., a 4.1 percent increase since the end of 2016.

The billionaire's view is rather extreme, and assumes that those who use a credit card will carry a balance that accrues interest, but if used responsibly, credits cards can help you build credit and even net rewards.

A open kitchen design with simple European style is the best for the modern residence. Mia Cucina’s professional team creates kitchens that beautifully combine practicality, elegance and simplicity into one single space.

When you're getting started as an independent adult, it's important to establish good credit, since that allows you to make larger purchases in the future, such as a car or home. That's why money experts like David Bach recommend opening a credit card in college.

"Get the credit card because it's great to help you build your credit score early," the bestselling author and self-made millionaire tells CNBC Make It. But use it responsibly: "You don't have to use a credit card a lot to build your credit score — you just have to pay your credit card bills on time and pay those cards off in full every month."

 

Related articles:

Other options for building credit

Reach out to the credit card company

Check your credit report

Even though your old card was cancelled

founder of Sun Group Wealth partners

重陽節後,港股今天復市,在美股納指周二大升2.89%的帶動下,近期大跌的科技板塊可望追落後,並帶動大市延績反彈。在過去一個月大跌21%的華虹半導體(1347),有低吸博反彈價值。

華虹半導體主要從事半導體產品的生產及貿易。集團截至今年6月30日止中期純利8,588.8萬元(美元,下同),按年升25.5%,每股基本盈利0.08元,不派中期息。期內,銷售收入4.4億元,按年升15.4%;毛利1.45億元,升20.4%;毛利率由31.5%增加1.4個百分點至32.9%。

今年二季度之業績非常亮麗。收入按季升9.4%,按年升16.1%至2.30億元,創季度新高,晶圓銷量按年升9.2%至50.1萬片,而平均售價則按年升6.3%。來自中國的收入佔總收入的58.6%。毛利率由去年二季度的33.2%上升至33.6%。收入及毛利率皆高於管理層的預測。淨利潤按季升14.2%,按年升33.3%至4,580萬元。

合營建新廠將提升產能

華虹半導體在今年初宣佈以每股12.9元配售2.424億股新股予國家集成電路產業投資基金,持有華虹半導體18.9%股權,募集資金為4億元。配股所得款項淨額將用於撥付合營公司註資所需的資金。

該合營公司分別由華虹半導體、國家集成電路產業投資基金及無錫實體持有51%、29%及20%股權,計劃投資25億元興建新廠房,預計在2022年底的月產能可達4萬片12英寸晶圓。

管理層預測2018年第三季度收入按季升3%至4%,而毛利率約為32%至33%。交銀國際預計第三季度淨利潤將按季跌2.6%,按年升26.1%至4,460萬元。交銀對2018年的盈利預測為1.73億元,按年升19.2%,目標價29元。

股價較6月底累瀉6成

華虹半導體自年初獲國家集成電路產業投資基金入股後,股價大受追捧,在6月27日升至30.6元(港元,下同)新高,其後受科技板塊急跌拖累,股價由高位插水,在上周四跌至12.5元,累跌59%;即使過去一個月內,亦大跌21%,現價13.62元的預測市盈率(PE)10.86倍、市賬率1.07倍,估值吸引之餘,亦處於超賣反彈勢頭,不妨順勢跟進,短線目標15.70元,跌穿12.50元止蝕。


原文地址:http://paper.wenweipo.com/2018/10/18/TZ1810180001.htm

雅生活服務(3319)在過去三個月已下跌超過35%,本行認為現價已充分反映新政策對明年盈利的影響。雅生活服務主要在內地從事物業管理業務,並於2018年2月從母公司雅居樂集團(3383)分拆上市,發行價為每股12.30港元。國有企業綠地控股為戰略股東,亦是內地最大的房地產開發商之一。雅居樂集團和綠地控股分別持有雅生活服務54.0%和15.0%股權。截至2018年6月30日止,集團在管項目累計達420個,覆蓋內地27個省市及自治區,在管建築麵積為109.1百萬平方米。

香港的有限公司註冊並不等於商標註冊, 想保護您公司的商標權益?專業團隊為您提供一站式的香港商標註冊服務, 從檢索及審查到修改建議及代領均一手包辦, 服務細心有效率, 是您的最佳合作夥伴, 立即查看更多詳情!

2018年上半年,雅生活服務的收入同比增長103%至14.06億元(人民幣,下同)。來自(i)物業管理服務,(ii)非業主增值服務及(iii)業主增值服務的收入分別按年增長約37%,439%及111%至7.50億元,5.75億元和7,990萬元,分別佔總收入的53.4%,40.9%和5.7%。由於增值服務的毛利率較高,整體毛利率從去年上半年的31.9%上升至今年上半年的36.3%。因此,股東應佔利潤同比增長196%至3.323億元。

持現金逾41億 利收購擴張

在今年4月和7月份,雅生活服務收購了兩家物業管理公司51%的股權,總代價為3.53億元。收購價格具吸引力約為2018年市盈率10倍-11倍,反映管理層有強大能力執行併購戰略。截至2018年6月30日,雅生活服務持有淨現金約41.7億元,為未來的收購和擴張提供了充足的資金。

找換店提供兌換日元及40多個國家貨幣服務。

今明年盈利增長料續可觀

據彭博估計,雅生活服務的淨利潤預計在2018年和2019年分別達到7.00億元(每股盈利0.53元)和10.52億元(每股盈利0.75元),同比增長142%和50%,而未來兩年每股盈利複合年增長率為50%,本行認為雅生活服務的估值對長線投資者具吸引力。因此,我們維持買入評級,基於16.0倍2019年市盈率計算,6個月目標價為14.3港元。


原文地址:http://paper.wenweipo.com/2018/10/18/FI1810180030.htm

  提到中國古典傢俱您一定會想到各種雕刻著中國風的傢俱,那雕刻是怎樣由來的呢,他又分為幾種呢,今天勝芳傢俱網小編就跟大家一起來瞭解下中國古典傢俱雕刻。

home 21,家居 21價格相宜,在世界各地探購的高質素貨品.

  早在7000多年前,我國祖先已經開始使用浮雕工藝。但真正將木雕藝術廣泛運用到家具製作上是到了商代的事。明清時期的紅木傢俱將木雕工藝推向了頂峰,木雕成了傢俱最重要的裝飾手段。木雕雕刻技法種類繁多,而明清紅木傢俱雕刻技法中最基本的雕刻技法有浮雕、鏤雕、圓雕、鑲嵌雕、通雕、透空雙面雕等。

  浮雕:又稱“平面雕刻”,是一種在平面上的浮凸表現,分為深浮雕和淺浮雕兩類。淺浮雕起位較低,形體壓縮較大,平面感強,線條較流暢,有清淡、靜雅的藝術效果,更接近於繪畫。深浮雕的起位較高、較厚,形體壓縮程度小,往往利用三維形體的空間起伏或誇張處理,形成濃郁的空間深度和強烈的視覺衝擊力。

於中電註冊地址安裝風能發電或太陽能發電系統,並接駁至中電電網,即可獲享上網電價,中電會購買風能或太陽能發電的電力。立即了解風電的申請資格、程序及上網電價級別,參與可再生能源計劃,共建持續發展未來。

  鏤雕:也叫“透雕”或“鏤空雕”,是通過雕、刻等手法,把材質中沒有表現物像的部位掏空,把能表現物像的部分留下,從而使雕飾圖案呈透空狀。鏤雕的難度很大,它要求雕刻者從前、後、左、右、上、中、下全方位進行雕刻,雕刻的程式是先外後內,等到將外層景物及其他襯景的打坯 、鑿坯 工序全部結束後才能進行鏤雕。

家居 21 高級時尚格調,優質傢具之選.

  透空雙面雕:是指在家具正反兩面都雕刻上同一種圖案,欣賞者從不同的角度都能欣賞到同一圖案。另一種透空雙面雕是在同一塊花板的正反兩面雕出不同的圖案,體現不同的題材,這類雕刻對藝匠的技術及才能要求更高。

  中國各個朝代都有自己的特色,根據當時的人文與統治,使用的家居也各有不同,今天就帶大家瞭解一下宋代與元代的傢俱,這個年代傢俱有什麼特點,他們的材質又是什麼呢,下麵就跟隨小編來瞭解下吧。

Home 21傢俱用了幾年了,還是很舒適富有彈性,沒有一點變形。我家的沙發是義大利原裝進口的3座位雙電動彈性沙發,聽說它是採用了義大利超細纖維物料,怪不得彈性十足。

  中國各個朝代都有自己的特色,根據當時的人文與統治,使用的家居也各有不同,今天就帶大家瞭解一下宋代與元代的傢俱,這個年代傢俱有什麼特點,他們的材質又是什麼呢,下麵就跟隨小編來瞭解下吧。

このページのトップヘ