2012年7月18日 星期三

我的第一個創業(二)

公司成立初期, 我和拍擋們主要做了以下的工作

以有限公司的形式註冊
 租用商務中心的地址註冊收信及接線服務
 使用Yahoo關鍵字搜尋作宣傳
 找樂師拍一些演奏短片作demo之用
 公司Logo設計
 設立公司網站
在這些事項中, 除了最後2項到今天還存在, 其餘都已作出改變了。

為何要改變? 因為全都是跟支出管理及宣傳銷售上未能處理好所引致的。


 以有限公司的形式註冊
 優點: 在法律上保障比較多, 如遇法律或債務問題時不用以個人身份承擔責任。
缺點: 行政及文件處理工作比較多, 每年報稅要另找核數師, 而對於初期以業餘形式經營的業務, 還在摸索階段中能成功買出服務實在不多, 在營業額有限的情況下, 每年要支付核數的支出便佔了很高的比例。
 檢討: 經過重組後, 我和M決定改以一般合夥公司經營。
而為何有這樣對很多人來說是很大風險的決定? 這全都是建基於這5年間合作所建立的互信, 以及我和S之間已有十年的交情之上, 但是假如有其他人找我合作投資我就一定不會作這樣的決定, 而必須要以有限公司的形式來經營。

租用商務中心的地址註冊收信及接線服務
 優點: 有人替代接電話及收信通知。
 缺點: 每月費用與使用率不成正比, 而且每次就要交足一年的費用。
檢討: 因為有了網站的原故, 大部分的客戶查詢及聯絡都是透過網站及電郵,代接電話可改以儲值電話咭替代便成了。


 使用Yahoo關鍵字搜尋作宣傳
檢討: 關鍵字搜尋的成效不高, 雖然能設定每天支出上限, 但是到後期我發現我所設定的上限不到每天不到下午2時便已到了, 根本不足夠使潛在的客戶找到我們公司; 只是用了數個月便消耗了公司一半的資本, 但從這途徑接獲的生意卻只有2宗, 眼見這樣是不行的便立即停止了這樣的宣傳方式, 最後改而每天在各相關討論版POST文章作為宣傳, 雖然麻煩, 但都是免費的, 而且果效也要比關鍵字搜尋高。

找樂師拍一些演奏短片作demo之用
隨著之後的現場表演增加, 我們便以現場表演的短片替代了, 客戶在看到現場表演的短片後便更有信心使用我們的服務。


由於頭三項的支出在最初的兩年內己消耗了公司90%的資本, 而且核數費還是要每年支付的; 加上在銷售額及市場定位上未能好好掌握及增加; 再加上在公司成立第二年我又另外與其他人合資開辦小型音樂中心, 也令我花少了時間在這裡的經營上; 這便埋下了用4年時間才收回60%資本的伏線。 不過這樣卻令我學到在一個新開發的小資本創業上, 銷售及收支管理是非常要注意的。

2012年6月27日 星期三

投資思考2JULY2012

宏觀世界的經濟及歐美債務的問題, 個人感到對於一般打工仔和中產階層而言, 未來數年的投資策略應該是進取的防守, 只要守得往不損失資產的價值, 便可以成為相對少數的勝利者。

但是如若是有錢人, 或你想成為有財務自由的富人, 就必須要有能力在未來的數年使資產的價值增加, 才可以成為真正的少數勝利者。

我的第一個創業( 一)

我的第一個創業是在看完富爸爸系列的<<富爸爸, 窮爸爸>>、<<富爸爸辭職創業>> 、<<富爸爸商學院>>、<<富爸爸 有錢有理>、<<富爸爸,提早享受財富(上)>> 和<<富爸爸,提早享受財富(下)>>這6本書之後, 大約在2007年的四月, 歸納了當中的理論, 被清崎的啟發, 有感如我想要達到真正的財務自由, 有幾樣事情我是必要做的。

1.
跳出E象限,學習從另外三個象限( SBI)中獲得收入
2.
建立一間公司,使自己能從實際經營中學習和累積B和I象限中,所必要具備的知識和經驗。
3.
一邊不斷鑽研和閱讀有關財務和經濟的書籍和資料, 另一邊開始少額的投資股票實踐所學的。

接著我便計劃, 先以我音樂系的專業從S象限獲取基本的生活費, 也善用S象限有比較多個人時間的控制優勢, 在工餘時間經營公司及學習財務知識, 之後再逐步把收入的來源由S為主, 轉為由BI為主。



此外,當時我在想到底在音樂的行業裡, 有否一些資源和優勢是我所擁有的呢? 當時自己也在儲錢結婚,能拿出來創業的資金就只有很可憐的一萬元,而且香港的租金實在太貴了,如一開始就租店/辦公室經營,租金支出的高成本足以在二至三個內就消耗掉這新公司的所有資金;因此就開始轉移想想可不可能有音樂有關的事業能網上開業的呢?使我盡可能的降低成本,這樣就算第一個事業蝕了也不肉痛,很快我又可再開展另一個新事業,直至成功為止。

而就在當時遇然的機遇下自己以樂手的身份在一個婚禮中伴奏,我才知道剛在2006年下半年開始,香港人註冊結婚可以不一定只在婚姻註冊處或教堂了,可以合法的請律師在酒店或其他婚宴的場地註冊,這便是一個新開發的市場和需求;再加上我過去在工作中與不同樂師所建立的人脈,要找到專業的樂師和樂隊在婚禮中演奏是不難的(因為我也是音樂工作者, 很明白大部份音樂工作者都愛獨自工作沉醉在音樂世界裡,不喜歡處理行政和銷售方面的工作,而且大部分朋友也都是圈內人,假如有人能為他們提供表演的機會和收入,但不用處理行政及接見客戶等工作,令他們只需專注於音樂,大部分音樂工作者都很樂意跟你合作的)。

而我的優勢就正是人脈網絡及在舊公司中負責組織音樂表演的行政經驗,把這兩樣結合起來,再在朋友中找到能善中、英、日文正職是高級秘書的M負責文書文件及宣傳,和有會計及熟悉公司註冊知識的
I 以補我在這些方面不足的知識和能力,便各自出資一萬元,以總共三萬元的成本,一起成立了我第一個從網上展開的事業-婚禮音樂演奏服務公司。

2012年6月25日 星期一

新階段, 新開始。


不經不覺就荒廢了這網誌近9個月了, 本想藉此記錄自己在投資及創業上的點滴和思想體會。但意想不到竟在這BLOG成立兩星期後, 我創業的第一及第二個公司都相繼遇上了大轉變 -- 一個有拍擋退股要重組公司, 一個我選擇蝕讓退出。這段日子的起伏都消耗自己很多的心力, 令到自己也無額外的精神和心情去管理這個BLOG。

現在大都總算告一段落, 心情也可以重新調整, 可以準備再次出發, 檢視過去這些經驗, 迎接新開始, 更上一層樓。

至於這兩個創業的經歷和體會, 我會整理好再後補Post出來跟網友分享。

2011年9月26日 星期一

Presenting The Mother Of All European Bailout Flowcharts

Earlier we presented the flowchart of the first part of the Eurozone endgame. While satisfactory, many immediately clamored: "what is part two?" Prompted by this surge in intellectual curiosity, John Lohman has risen to meet the challenge of what the Eurozone's Biggest, Baddest, Sexiest Motherf#%$^* Flow Chart looks like. It needs no commentary, and since it also really ties the ponzi room together, we hope nobody micturates upon it until the plane crashes into the mountain. That said, we do have an accounting question: is "ass rape" a credit or a debit?



http://www.zerohedge.com/news/presenting-mother-all-european-bailout-flowcharts

"We're Going To Need A Bigger Flowchart": Presenting The Schematic Of Part 1 Of The European Endgame

Still confused by the doomed endgame in the 21st century Greek tragedy? Have no fear: here is the BBC (which today is two out of two for useful information)with a flowchart of Greek endgame. With apologies to the optimists, who think there may be a happy ending here, here are the only 5 possible outcomes: 1) Pyrrhic Victory; 2) Depression; 3) Moral Hazard; 4) Political Turmoil and 5) Global Meltdown. In this context, it becomes all too obvious why stocks are surging...
From the BBC:
The "Troika" of lenders - the European Union, International Monetary
Fund and European Central Bank - say Greece must take more painful steps
to cut its borrowing.
But Greece faces riots and mass protests on the streets of Athens.
The government could lose its grip on parliament - only 155 of 300 MPs
backed the last round of austerity in June.
At stake is the next 8bn euro tranche of bailout money, which Greece
desperately needs to avoid total crisis.
Starting from the top, follow the decision tree to decide what happens
next.
And visually:



http://www.zerohedge.com/news/were-going-need-bigger-flowchart-presenting-schematic-part-1-european-endgame

瑞士人民黨考虑瑞郎回到金本位

http://www.marketwatch.com/story/swiss-parliament-to-discuss-gold-franc-2011-07-07

瑞士央行意图压低瑞郎,出现巨额亏损,之后瑞士人民党就希望限制瑞士央行的自主权,计划于8月中旬发起创制权投票,为此收集签名。该党要求瑞士央行停止进一步出售银行资产,并将瑞士在国外的黄金储备运回本国存储,不允许黄金占总资产比例下降至20%以下。同时还提议瑞士退出国际货币基金组织。

虽然金法郎被提上日程,但立法的通过则不是件易事,需要瑞士修宪,但瑞士向来小心谨慎。如果该议案被驳回,则可能在2012年中期进行全民公决。


新的金瑞郎,含金量为0.1g(0.0032ozt),按当前价格仅需要5法郎就能购买。


瑞士持有大量的黄金储备,人均黄金储备超过6000美元,是美国的六倍。但瑞士人民党认为这还不够.


http://xperialau.blogspot.com/2011/09/blog-post_5139.html

蜥蜴人敵基督將是一個從地獄來的變形獸


http://autumnson-nwo.blogspot.com/2010/07/blog-post_8719.html#bn-forum-1-1-3202415878/7773/0/show/blog-post_8719.html
那 時 候 有 偉 人 在 地 上 、 後 來   神 的 兒 子 們 、 和 人 的 女 子 們 交 合 生 子 、 那 就 是 上 古 英 武 有 名 的 人 。
耶 和 華 見 人 在 地 上 罪 惡 很 大 、 終 日 所 思 想 的 盡 都 是 惡
創 世 紀 6:4-5


必讀:世三戰和撒旦教徒的新世界秩序
“第三次世界大戰必須被煽動,在政治猶太復國主義者和伊斯蘭世界的領導人之間,由光明會的”新社“造成的分歧中提取利益。戰爭必須以這樣一種方式進行,伊斯蘭教(穆斯林阿拉伯世界)和政治猶太復國主義(以色列國)共同地毀滅對方。與此同時,其它國家再一次在這個議題上分裂,將被迫使去鬥爭,直至一點在物質、道德、精神和經濟上完全精疲力竭 ...我們將解除虛無主義者和無神論者的束縛,我們將引發可怕的社會災難,它的恐怖將完完全全地清楚顯示絕對無神論、野蠻起源和最血腥的騷動對國家的影響,隨即在每一個地方的市民,不得不防衛他們 自己以對抗世界少數的革命家,將消滅這些文明的毀壞者和大眾對基督教不再抱幻想,他們的自然神論的精神,從那一刻不再有指南針或方向,為理想焦慮,但不知去哪裡給予崇拜,他們將收到真光,透過純教條的路西法的宇宙性顯現,最後在公眾的眼光中帶出(註:爬蟲外星人現身??)這顯現將產生反動派的運動,繼而是基督教和無神論的毀滅,兩者都在同一時間被征服和滅絕。“
-Albert Pike and Three World Wars
信有外星人的專家及有關太空機構,窮五十年仍未聯絡得上任何外星民族,一切只靠個'信'字;反而地球上數十年來都有接觸外星人的報告,撇除部份講大話及妄想症個案,及光明會透過爪牙New Age的靈媒神棍,和有關人仕製造的佈局及虛假陳述,所謂但沒有足夠證據的外星人目擊仍然眾多,難以完全推翻,為何會這樣?
綜合看過及收集的眾多資料,我也相信他們的存在,但不如一般連外星人也沒見過的UFO專家的估估吓說法。對我來說,UFO是存在的,但衹是秘密勢力在測試尼古拉特斯拉幾十年前已發現的無重力科技。
至於外星人,我只見到兩類,第一種是上圖的黄金人,身高七至十呎,亦稱為巨人,如上創世記所述,乃'神 的 兒 子 們'(或天使們)在世'和 人 的 女 子 們 交 合 生 子'的偉人後代;另一種則是專家們所說的蜥蜴人(爬蟲人)、灰人、Annunaki.....等等,個人認為前兩者是撒旦/Baphomet在世與人類及動物雜交的數代子祠,不同對像有不同樣貌,相信現在為數不會少;Annunaki則仍在研究中。
大審判來到之前,就會如上述光明會佈的局那樣,在三戰各國鬥得筋疲力竭、基督徒被無神論者和虛無主義者大肆批鬥後信仰崩潰時,他們就會坐着研究經年的UFOs從天空出現,打著外星人的身份作全球電視直播,要來拯救人類和地球,並對世人宣稱宇宙並無上帝及耶穌也不會再來!如果你是教徒,經歷完不願植入獸印被政府趕到絕路的時刻,再被無政府主義者的批鬥迫害而仍未放棄信仰,到此地步收到這班所謂的外星人所作的宣佈,人類史上及末世的最大騙局下,你仍能堅持嗎?!相信不能,除非你在被迫害時已殉道,因為最後只剩下少量十四萬四千未植入獸印的,會追隨上帝作最後一戰,你能否是其中一人嗎?
至於他們現在在那裡?在類似這樣、但仍未發現的地底:
空心地球:夢幻之地的證據(必看!)
或再看看這篇目擊帖文美國道西地底外星網路如是真的,會是和其它所謂的外星人綁架敘述有關,被綁者都被綁到這基地作實驗或宰割,他們還以為上了太空某個星球或某架飛船母艦。
這類基地可能多於一個,所謂外星人,早已在地球上,目擊者早已見到,他們以為撒旦的雜交後代就是外星人。
對外星人有興趣的請放心,現在衹是未到適當時候讓大家見到,當錫安長老會暨光明會準備好全球統治前,全球傳媒都會大肆報導,美國政府或總統會作官式揭露,當所有愚人都相信和習慣的時候,蛇形或蜥蜴形的撒旦子女,就會以外星人身份和大家相聚了!



(R.R.) The History Of Reptilian Satanism:The Nibiru Connection
(RR)蜥蜴人撒旦的歷史: Nibiru的關係
西元2008年07月09日



(R.R.) The Reptilian Antichrist Will Be A ShapeShifter From Hell PT 1
(RR)蜥蜴人敵基督將是一個從地獄來的變形獸 第一部份

共濟會與羅富齊(Rothschild)

共济会阴谋统治世界吗?
http://www.wyzxsx.com/Article/Class20/200805/40637.html

百年奇书-锡安长老会绝密纪要之(1-24)
http://www.wyzxsx.com/Article/Class20/201005/149153.html

高盛(羅富齊的[或譯:羅斯柴爾德])如何接管世界

How Goldman Sachs (Rothschild's) took over the worldMonday, April 13, 2009

Well they are the most powerful firm on Wallstreet but actually they are an outlet of the Rothschild's who have spread their power under different names into this century and the prior one. They create new entities to hide the web the have created of which the Bilderberger is one and Soros is another. The 30 mil. think tank I wrote about in an earlier post is the brain of the Obama administration and his closest advisers are all from the Rothshild boys from RUBIN, SUMMERS, VOLCKER and second tier next generation breed like Geithner. Emanuel and many more.
它們在華爾街是最強大的公司,但實際上它們是羅富齊的出口,羅氏在本世紀及上一個以不同的名字已擴散其權力。他們創造新的實體以隱藏他們創建的蛛網,其中彼爾德伯格是一個而索羅斯是另一個。那三千萬 智庫在我以前的貼文寫過,是奧巴馬政府的大腦和他最親密的顧問,全都來自羅富齊男孩魯賓、薩默斯、沃爾克和二線下一代如蓋特納。伊曼紐爾和許多。
Rockefeller's,Ford the Bush family belongs to them as the Clinton's work for them. One very easy proof is the remaining official Rothschild's fortune is petty cash compared to my calculation how much the fortunes of them should be worth easily in the trillion league. Compared to the pathetic list Forbes publishes every year about Gates and Buffett who are also members of the Club. Imagine it like the middle ages with kings and lords who share one big interest and we are close to the real picture. The idea of democracy is the Matrix cover to run their business as it is easier to screw with people as long as they think they have a saying to what is going on. The list below gives some ideas but there are far more names and they are not only from Goldman they have different breeding organisations like the IMF and Worldbank.
洛克菲勒,福特,布殊家族屬於他們的,而克林頓則為他們工作。

Excerpt

http://www.independent.co.uk/news/business/analysis-and-features/how-goldman-sachs-took-over-the-world-873869.html

They are well-credentialed, partly by design. From its beginning when the German immigrant Marcus Goldman began discounting IOUs among the diamond merchants of New York in the 1870s, Goldman Sachs has always known about the power of the network of influence. Goldman hires former politicians and civil servants, as readily as it supplies them.

And then there is simply the intellectual quality of the employees, many hired as much youngster men via a gruelling interview process, and then forged in the fire of 17-hour work days.

With Goldman Sachs at the heart of Wall Street, and Wall Street at the heart of the US economy, few expects its power to wane. Indeed, The New York Times columnist David Brooks noted that Goldman Sachs employees have given more money to Barack Obama's campaign for president than workers of any other employer in the US. "Over the past few years, people from Goldman Sachs have assumed control over large parts of the federal government," Brooks noted grimly. "Over the next few they might just take over the whole darn thing."

John Thornton From his post as professor and director of global leadership at Tsinghua University in Beijing, the former Goldman Sachs co-chief operating officer John Thornton has become a highly-influential figure in the developing business and poltical inter-relations between the US and China. He was Goldman's boss in Asia in the mid-Nineties and remains well connected in the East and the West.

Duncan Niederauer Wall Streeters joked about a Goldman Sachs "takeover" of the New York Stock Exchange. Hank Paulson, the Goldman boss on the NYSE board, moved to oust the chairman, Dick Grasso, and recommended the then chief operating officer of Goldman, John Thain, as Mr Grasso's replacement. Mr Thain modernised the exchange as demanded by Goldman, and Mr Thain's old Goldman deputy, Duncan Niederauer, is in charge.

Jon CorzineThe former co-chief executive of Goldman went into full-time politics in 1999, having lost the internal power struggle that preceded the company's stock-market flotation in 1999. He has been governor of New Jersey since 2006, having spent the previous six years in the US Senate. His 2000 Senate election campaign was then the most expensive ever in the US, and Corzine spent $62m of his own money.

Joshua BoltenFor five years until 1999, Mr Bolten served as director of legal affairs for Goldman based in London, effectively making him the bank's chief lobbyist to the EU. The Republican lawyer aided George Bush's 2000 election campaign, helped co-ordinate policy in the White House and has been the President's chief of staff since 2006.

Paul DeightonThe man heading London's planning for the 2012 Olympic Games, Paul Deighton amassed a fortune estimated at over £100m during his two decades at Goldman Sachs, where he had been one of its most powerful investment bankers.

Robert RubinA US Treasury secretary under Bill Clinton, Mr Rubin could once again emerge as a powerful figure in Washington if Barack Obama wins the presidency, since he has maintained his influence on Democrat politics. Mr Rubin reached the second-highest rung at Goldman, becoming co-chief operating officer before joining the US government in 1993.

Gavyn DaviesThe ex-chairman of the BBC still has the ear of Gordon Brown, to whom he has been a good friend and informal adviser. He is married to the Prime Minister's aide Sue Nye. Mr Davies spent 15 years as an economist at Goldman. He was commissioned to report on the future funding of the BBC by Mr Brown in 1999. Two years later, he was poached to chair it.

Jim CramerThis former Goldman trader is, without question, the most influential stock pundit in the US. Hectoring and shouting his investment advice nightly on his CNBC show, Mad Money, he routinely moves share prices. His primal scream against the Federal Reserve ("They know nothing") was a YouTube sensation last year, as the central bank refused to lower interest rates to ease the pain of the credit crisis on Wall Street.

Robert ZoellickGoldman provided a lucrative home to Robert Zoellick, the neo-conservative Republican, between the time he quit as Condoleezza Rice's deputy at the State Department in 2006 (having not secured the job he coveted as Treasury Secretary, when it went to Hank Paulson) and his appointment last year as head of the World Bank. At Goldman he had acted as head of international affairs, a kind of global ambassador and networker-in-chief.

Mario DraghiThe head of the Italian central bank is another example of the revolving door between Goldman and public service. Mr Draghi had been an academic economist, an executive at the World Bank and a director-general of the Italian treasury before joining Goldman as a partner in 2002. He is becoming a significant figure in the response to the credit crisis, chairing the financial stability forum of central banks, finance ministries and regulators.

Malcolm TurnbullTreasurer for the opposition Liberal Party, Mr Turnbull is one of the fastest-rising politicians in Australia. He was the aggressive advocate who took on and beat the British Government in the Spycatcher trial of the former MI5 agent Peter Walker, but he then pursued a career in business and ran Goldman Australia from 1997 to 2001, before jumping in to politics to serve as environment minister under John Howard.

Hank PaulsonCometh the hour, cometh the man. President George Bush must be delighted he lured a reluctant Hank Paulson away from his $38m-a-year job as Goldman Sachs chief executive in 2006, just in time to deal with the Wall Street crisis that has engulfed the entire US economy. The bird-watching enthusiast had been a surprising choice as Treasury secretary, since his environmentalism was at odds with much of Bush's policy.
http://behind-the-matrix.blogspot.com/2009/04/how-goldman-sachs-rothschilds-took-over.html


http://autumnson-nwo.blogspot.com/2010/02/ufo-3.html#bn-forum-1-1-3202415878/7773/0/show/ufo-3.html