最近班財經演員突然好熱心地進行投資者教育(Investor Education)，頻頻舉辦講座介紹各類投資工具。當然，財經演員並非甚麼善長仁翁，既然做得財經演員，舉辦講座背後有何微言大義，真係大家心照。
自從有了肯定累積也不足夠退休的強積金後，投資已成為這個城市居住的大多數人的必備常識，但香港中小學教育的支援遠遠不足以應付需要。在中學，除非讀預科時修讀一科叫商業管理(Business Studies)，否則不可能在中學課程中讀過任何正規財務管理知識。而在大學都好奇怪，未聽過一科叫投資概論的科目。若與大部分大學生講甚麼叫流動比率、PV、NPV等名詞，或者期權(options)同窩輪有何分別，肯定以為你講外星話。
當然，財務管理並非必修科目，不一定人人都要讀。但外國證監機構，不論是美國證監會(www.sec.gov)或加拿大證監會(安大略省證券事務監察委員會網址：www.osc.gov.on.ca)，他們在網頁內除會教授當地老師投資常識，亦會提供大量教材及工作坊，讓老師們明日怎樣教育下一代，及了解各類投資工具有那些特色，加拿大證監更會教導何為一個社會上負責任的投資者，應該抱持的態度。除了教導新一代，不要碌卡過龍，使錢不要「洗腳唔抹腳」外，還要掌握對投資工具的基本認識。這種教育方針，至少日後讓長大出來做事的青年人，對理財有基本概念。
不過，雖然香港證監會的網頁(www.sfc.hk)也設有「教師廣場」，與中學老師合作介紹財經基本知識，但作為家長的，「齋聽」財經演員講解較在證監會網頁找教材容易，難怪財經演員們那麼吃香，豈不乘機做「披住羊皮的狼」？所以話，除了要學台灣般，立例強制財經演員要考到CFA資格外，最好防止財經演員混水摸魚「呃飯食」的做法，就係做好從小開始進行基礎投資教育，要求學校在課程中教育學生如何理財，這不單可以增加全民的經濟、投資常識觀念，更會令新一代理財觀念可以健康一些。
天文台以經濟為上？
昨日天文台最高只掛3號風球，陣風一度超過每小時100公里，達烈風程度。不過，在中環返工的已被風吹得寸步難移，十分狼狽。為何天文台不改掛8號風球呢？答案是全港平均風速不達掛8號風球的標準。天文台說，按照3號風球的指標，維港的平均風力為41至61公里，陣風可達110公里；8號風球的指標，維港的平均風力為63至117公里，陣風可達180公里，而昨日維港的風力未達到要發8號訊號的程度。他們又指香港的風力並不均勻，故無必要改掛8號了。但是，全港地區大樹倒塌意外超過600宗，颱風吹倒不少建築棚架，令全港增添幾分危機。澳門早在昨天為了市民的安全，加上該區商業味道不濃厚，已改掛8號風球，市民安坐家中休息、看戲甚至炒賣「隔籬」不休市的港股。相反，香港不運作一天，股市失去了200多億元成交，經濟損失高達1億至2億元，政府可承擔不起，故寧願犧牲市民的安全，亦要經濟繼續運作。印象中，以前天文台即使是微風，但只要風眼一接近，本港已即時改掛8號風球，但惹來商界的不滿，現在真識趣。現時博客已成大家討不平的大平台，有空可往以下網址，了解專家的看法：http://weatherblogger.mysinablog.com/index.php?op=ViewArticle&articleId=224496(或輸入主頁：http://weatherblogger.mysinablog.com瀏覽更多看法。)
同意，今次的颱風雖然不是直撲香港，不過派比克七級風力的半徑，達四百公里，所以距離香港最近時(約280公里)，感受的風力十分強烈。我沒有當時的數字，但感覺比八號風球，風力有過之而無不及。
ReplyDelete就是因為只有三號，容易使人掉以輕心，多宗冧樹，交通阻塞，返工差點遲到。家中的防範小了，以至吹爆玻璃!(真有其事)總之損失慘重啦。
請大家看看分區的風速。
ReplyDeletehttp://www.hko.gov.hk/wxinfo/ts/display_element_ff_c.htm
本港在星期四下午，大部分地方風速，平均(只是平均)都超過50公里，有些地方，平均達80公里，例昂坪，1600平均風速達160km/h!!!連站都吹壞，真係大風到無譜，唔錯得機場迫到爆。
以上資料，看來都符合天文台，八號颱風每小時平均風速63-117，陣風達180的「規定」
坊間有些財經演員主持投資課程，學費數千元，但佢地會教你申請持續進修基金，政府(你和我)笨。
ReplyDeleteI was not a Business major when I was studying University in the US. But fortunately, a friend of mine recommended me to read this website:
ReplyDeletehttp://www.fool.com
They have a very good, easy & direct section teaching basic investment knowledge. Read on if interested.
HK Observatory should take the wind speed of various places into consideration not just those several sites across the Victora harbour and Kai Tak.
ReplyDeleteHK Observatory owes the HK people an explanation.
If the HK Observatory is not tell the truth about the Typhoon, its staff should be censured, if they made an error of judegement, they should apologize.
坊間有些財經演員主持投資課程，學費數千元，但佢地會教你申請持續進修基金，政府(你和我)笨。
ReplyDeleteAgree, u only learn not more than just buy an investment bk which spend u only $ 100.
don't understand why gov. approve this type of course in the market
I cannot call this subject as a hobby as it became my life with
ReplyDeletethe advent of your site!
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Whether tragic events touch your family personally or are brought into your home via newspapers and television, you can help children cope with the anxiety that violence, death, and disasters can cause.
ReplyDeleteListening and talking to children about their concerns can reassure them that they will be safe. Start by encouraging them to discuss how they have been affected by what is happening around them. Even young children may have specific questions about tragedies. Children react to stress at their own developmental level.
The Caring for Every Child's Mental Health Campaign offers these pointers for parents and other caregivers:
* Encourage children to ask questions. Listen to what they say. Provide comfort and assurance that address their specific fears. It's okay to admit you can't answer all of their questions.
* Talk on their level. Communicate with your children in a way they can understand. Don't get too technical or complicated.
* Find out what frightens them. Encourage your children to talk about fears they may have. They may worry that someone will harm them at school or that someone will try to hurt you.
* Focus on the positive. Reinforce the fact that most people are kind and caring. Remind your child of the heroic actions taken by ordinary people to help victims of tragedy.
* Pay attention. Your children's play and drawings may give you a glimpse into their questions or concerns. Ask them to tell you what is going on in the game or the picture. It's an opportunity to clarify any misconceptions, answer questions, and give reassurance.
* Develop a plan. Establish a family emergency plan for the future, such as a meeting place where everyone should gather if something unexpected happens in your family or neighborhood. It can help you and your children feel safer.
If you are concerned about your child's reaction to stress or trauma, call your physician or a community mental health center.
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