Monday, March 18, 2024

Risk aversion | Check list

March 18, 2024

 I like to write down the check list to purchase stocks:

  1. First, consider to purchase total US market index ETF - VTI
  2. Next, consider to purchase US 500 index ETF - VOO
  3. Third, consider to purchase NASDAQ 100 index - VGT
  4. Consider to purchase Google, MSFT, Amazon or Apple stocks first
  5. Consider to purchase SOXX - semiconductor ETF
  6. Consider to purchase individual stocks - like Apple stock, MSFT stock, Google stock 
  7. Consider to purchase SP 500 index stocks - Buy dip, stop loss etc. 
Do not take risk to buy small capital stock, and also avoid gambling. 

  1. Purchased GRAY stock, out-of-business
  2. Purchase SABR
  3. Purchase other stocks like ATNX, and all other biotech stocks - 
Read books 
  1. Fooled by randomness - 
  2. How do I lose million dollars in stock market? 
  3. Black Swan

美国取消佣金6%影响深远:房价跌 百万人恐失业...

 据世界新闻网报道,全国房地产商协会(NAR)15日凌晨同意以4亿1800万元与控告NAR反竞争、违反反垄断法的集体控方达成和解协议;但更重要的是,NAR同意取消标准佣金6%的规定,卖方仲介不再需要提供买方仲介佣金;买卖仲介佣金就此“脱钩”,佣金还可能被取消,等于撤除美国房地产仲介业一大基石,对未来购屋影响巨大。


纽约时报分析指出,一待和解协议获法官批准,此案影响深远,包括:

美国消费者联盟(Consumer Federation of America) 退休执行总监布罗拜克(Steve Brobeck)表示,“脱钩,将允许佣金被取消及透过谈判降低,从而降低房价和总体消费成本。房市价格更透明化,买卖方可透过谈判比价,迫使佣金比率下降。”

美国人每年房地产佣金支出约1000亿元,此和解协议经联邦法院核可后,佣金支出预计将大减至少200亿元,最多减500亿元。

6%佣金不再是常态

NAR制定标准佣金5%或6%行规,是全球房仲佣金最高之一。保证佣金率被取消后,仲介可能被迫降低佣金求胜。布罗贝克指出,“尽管美国房仲费不太可能降到像英国那样只有1%或2%,但肯定会大幅下降,佣金也将更加反映仲介销售能力和努力。”

买方仲介“引导”买更贵房屋的情况变少

NAR规定,卖方仲介售屋消息上架时,须表明给买方仲介多少回扣。批评者指此做法促使买方仲介将客户“引导”至更高价房屋,以收取更高佣金。根据和解协议,任何显示仲介回扣或报酬的栏位将完全取消,有助遏制陋习。

上百万名房产仲介可能离场

疫情期间房贷利率暴跌,房市繁荣,房地产仲介人数激增。2020年和2021年有逾15万6000人获得房仲许可证;NAR会员人数2022年达到160万会员最高峰。但现在很多仲介都在苦撑,佣金率降低只会让情况更糟。去年全国一半仲介只卖出一栋房子。

现在房仲业面临巨大变革,分析人士预测,将出现大规模仲介离职。Keefe, Bruyette&Woods投资银行公司报告预计,随著共享佣金制度消失,可能有100万名房仲离场。

有24年资历的内华达州房屋仲介珍‧麦唐纳(Jen McDonald)表示,“经验丰富的房地产仲介有良好声誉和坚实人脉;比较新的房仲如果没有既定声誉或强大客群,很难留住客户或吸引新客户。”

Air Canada | Flight info | April 4 - April 17, 2024

 



Air Canada | Flight information

 


China visa | Application process

Here is the link. 


Friday, March 15, 2024

FIDO | Switch esim to new mobile phone | How to

 Installing an eSIM on Google Pixel

  1. Open the Settings app, then select Network & Internet.
  2. Tap SIMs or select the '+' icon next to it.
  3. Tap Download a SIM instead.
  4. Scan the QR code that is given to you by your provider.
  5. Select Download and follow the instructions on screen.


On my old mobile phone 
Download fido mobile app 

Open mobile app, and then go to My Account App 

Transfer an eSIM to another device

Make sure you have the device you’d like to activate the eSIM on with you when using the steps below.

  1. Sign in to your My Account App.
  2. From the Phone tab, select Change SIM.
  3. Click on the phone number that you wish to switch to eSIM. We’ll send a verification code to this number.
  4. Enter the verification code you received and select Confirm code.
  5. Select Transfer to another device. A QR code will be generated.
  6. Scan the QR code using the device you want to switch to eSIM. Follow the instructions that appear to install eSIM on the device.
  7. Once complete, tap the toggle beside I’ve successfully scanned the QR code with my other device.
  8. Review the details that appear then click Submit.
  9. A message will appear confirming that you wish to continue. Select Submit to switch to eSIM.
  10. A confirmation will appear to let you know that your SIM has been changed. Restart your device to activate your eSIM.

Jim Cramer's Real Money Radio Recap 7/28

 

Jim Cramer's Real Money Radio Recap 7/28

#TradingRules #TradingCommands #JimCramerRules #FirstLoss #BestLoss #TradeIntoInvestment #TradingGain #InvestmentLoss #Trader #InstitutionInvestors #JimCramer #10Commandments  

Miriam Metzinger

Recap of Jim Cramer's radio show on Thursday July 28. 

Cramer's 10 Commandments - Cramer reviews the 10 Commandments of investing he developed when dealing with the market in the 90s.

1. Never Turn a Trade into an Investment: Don't sit on a trade if it isn't doing what you expected it to do.
2. Your First Loss is Your Best Loss: If your trade starts moving downward, follow your instincts and get out quickly. "People can feel when a trade is going awry, but because of ego, because of pigheadedness, they don't want to hear the thunder,"
3. It's OK to Take a Loss when You Already Have One: People are often in denial about losses if they are just on paper, but it is better to go ahead and take a stock off the table than to deal with the pain later on.
4. Never Turn a Trading Gain into an Investment Loss: If a trade is making you money, cash in, and don't treat it like an investment. Cramer once broke this rule and lost an enormous amount of money. "A trade is just a trade. If you turn it into an investment, you are overstaying your welcome."
5. Tips are for Waiters: Rely on your own homework and not on stock rumors.
6. You Don't Have a Proft Until You Sell: Sometimes people delay selling because they are worried about taxes, but the loss incurred by waiting will be much greater than what you will pay Uncle Sam.
7. Control Your Losses Because the Winners Take Care of Themselves: Keep track of your portfolio and weed out problem stocks. Don't sit and wait for a poor stock to make a comeback.
8. Don't be Afraid that You are Missing Out: If you are concerned about missing out, you are probably coming in to late, and it is a better idea to wait for the next opportunity.
9. Don't Trade on the Headlines: The press just wants to tell a good story, and are rarely correct about the market.
10. Don't Trade on Flow:If you see a trend, you might think others know something you don't, but if you go with the flow, you could get taken down.


My understanding:

1. Never Turn a Trade into an Investment: Don't sit on a trade if it isn't doing what you expected it to do.
2. Your First Loss is Your Best Loss: If your trade starts moving downward, follow your instincts and get out quickly. "People can feel when a trade is going awry, but because of ego, because of pigheadedness, they don't want to hear the thunder,"
3. It's OK to Take a Loss when You Already Have One: People are often in denial about losses if they are just on paper, but it is better to go ahead and take a stock off the table than to deal with the pain later on.
4. Never Turn a Trading Gain into an Investment Loss: If a trade is making you money, cash in, and don't treat it like an investment. Cramer once broke this rule and lost an enormous amount of money. "A trade is just a trade. If you turn it into an investment, you are overstaying your welcome."
5. Tips are for Waiters: Rely on your own homework and not on stock rumors.
6. You Don't Have a Proft Until You Sell: Sometimes people delay selling because they are worried about taxes, but the loss incurred by waiting will be much greater than what you will pay Uncle Sam.
7. Control Your Losses Because the Winners Take Care of Themselves: Keep track of your portfolio and weed out problem stocks. Don't sit and wait for a poor stock to make a comeback.
8. Don't be Afraid that You are Missing Out: If you are concerned about missing out, you are probably coming in to late, and it is a better idea to wait for the next opportunity.
9. Don't Trade on the Headlines: The press just wants to tell a good story, and are rarely correct about the market.

10. Don't Trade on Flow:If you see a trend, you might think others know something you don't, but if you go with the flow, you could get taken down. 


1. Never Turn a Trade into an Investment

  • Do not hold on a position too long without any stop loss. 
  • Sell to have gain when position has some gain. 
2. Your First Loss is Your Best Loss
  • I have to set any position a stop loss to protect the capital. Do not take risk. 
  • First loss is my best loss. It is true. There is always opportunity to have some gain. Do not  hold the position and marry the stock. 
3. It's OK to Take a Loss when You Already Have One
  • It is OK to take a stock off the table, do not gamble for market risk like earnings report. Specially do not hold a small capital stock too big position and too long. 

Wednesday, March 13, 2024

How much does it cost to ship USPS Priority to Canada?

 How much does it cost to ship USPS Priority to Canada?

Priority Mail International® service is a reliable and economical way to ship to more than 180 countries, including Canada, Mexico, and Australia. Flat Rate option: Ship using free Flat Rate Boxes and Envelopes (envelopes and small boxes up to 4 lbs, medium and large boxes up to 20 lbs), starting at $30.90.

Vancouver to Shenzhen | YVR -> SZX round trip

 


Air around clock, Florida | Annual Service plan

 

Service Address
260 NW 19 ST, BOCA RATON, FL 33432
Visits
2 visits per year
Duration
03/13/2024 - 03/13/2025
Payment
$267.80 / one-time payment
Description
1 Zone Annual AC Maintenance
1. Clean filters 2. Test for refrigerant leaks 3. Clean condensate pan 4. Clean and treat drain lines 5. Adjust belt tension 10. Check amps & volts 6. Check refrigerant pressure 7. Lubricate bearings 8. Inspect safety controls 9. Check thermostat operation 

  1. Clean filters  
  2. Test for refrigerant leaks 
  3. Clean condensate pan 
  4. Clean and treat drain lines 
  5. Adjust belt tension 
  6. Check refrigerant pressure 
  7. Lubricate bearings 
  8. Inspect safety controls 
  9. Check thermostat operation 
  10. Check amps & volts 


This Agreement between the above and Air Around the Clock for the purpose of providing preventive maintenance on the above Air Conditioning Equipment at the above address. Routine inspection will follow factory recommended procedures and will include the following check list as applicable to your air conditioning system: WE WILL PROVIDE 100% LABOR TO PERFORM THE ROUTINE PREVENTIVE MAINTENANCE ONLY. • NO SERVICE CHARGE FOR AIR CONDITIONING. • WE WILL PROVIDE AIR CONDITIONING REPAIRS AT A 10% DISCOUNT. • ALL LABOR, PARTS & MATERIALS REQUIRED FOR REPAIRS OR EMERGENCY SERVICE WILL. BE CHARGED TO YOU AT OUR STANDARD RATES, LESS A DISCOUNT OF 10%. • WE WILL GIVE A 10% DISCOUNT TOWARDS ANY NEW AIR-CONDITIONING PURCHASE. • “PREFERENTIAL” SERVICE OVER ALL OTHER TYPES OF SERVICE ACTIVITY. • INSTRUCT YOU IN THE OPERATION OF THE EQUIPMENT TO PROVIDE THE GREATEST OPERATING EFFICIENCY. Regularly Inspect the equipment Two (2) times per year. Furnish you with a completed copy of the service technician’s GENERAL CONDITIONS FOR MAINTENANCE AGREEMENT A. Repairs will not be made without the owner’s approval. B. All work shall be performed during regular business hours which are Monday – Friday 8:00 am to 5:00 pm, Saturday 8:00 AM to 12:00 PM Service calls made after normal business hours will be charged to the customer at a discounted emergency charge rate. Customers will be advised of the charge at the time the service call is scheduled. Service calls made between normal business hours will be included. C: AIR AROUND THE CLOCK shall not be responsible for any loss, damage, or injury due to any delay in rendering service under this agreement, and in no event shall be liable for consequential damages. D. AIR AROUND THE CLOCK will endeavor to have all necessary parts and compressors available promptly to satisfy the customer’s call for service but will not be responsible for extra expense incurred in the expediting of parts or repair of equipment. E. Loss or damage from intervening external causes and other complaints which are not covered by this agreement shall include but are not limited to: 1. Resulting from fire, water (flood), windstorm, lightning, theft, misuse, abuse, or any Act of God. 2. Service required by external causes such as defective or inadequate plumbing, water, power supply (including but not limited to blown fuses, weak circuit breakers or burned out disconnects), duct work and improper settings of control devices (including but not limited to: thermostats, humidistats, or timers). 3. Services made mandatory by changes in regulations of Federal, State or Local Governmental bodies or agencies. 4. The refinishing or replacement of any cabinet or cabinet parts. 5. Service required because of dirty filters and improper setting or adjustment of grills. 6. Duct work and adjustment of grills as well as noise complaints which are not the result of improper functioning of the air conditioning equipment. Service calls are not directly due to mechanical or electrical faults in the air conditioning system 7. Water piping, hoses and valves are not included as parts of the air conditioning system on water cooled units covered by this agreement. 8. Work performed by any other than our technicians while contract is in effect. 9. Service required for leaks in refrigerant, water and condensate piping concealed in walls, floors, or ceiling. 10. Work necessary to gain access to equipment. F. AIR AROUND THE CLOCK reserves the right to advise customers when the air conditioning system is obsolete and non-repairable, or ATC’S opinion the AC is not worth putting repair money into due to age, condition or efficiency of existing equipment. G. There is an administrative fee of fifty dollars ($50.00) to Transfer the Contract to a different residence or homeowner. H: ATC is not responsible for any damages caused by clogged drain lines, or any leaking water damages, including but not limited to wood floors, drywall or ceiling damages caused by water leaking. ATC is not responsible for damages caused by drain lines coming apart inside walls. ATC will take every precaution necessary to clear drain lines but cannot guarantee any existing drain lines. It is the customer’s responsibility to schedule the maintenance call. As a courtesy we may try to schedule them. The rates charged for this contract are not regulated by the Florida Department of Insurance Regulation - Cancellation by the Customer: You may cancel this Contract at any time. To cancel, you must mail this Contract or provide written notice Around the Clock A/C Service LLC. If you cancel this Contract within the first thirty (30) days, you will receive a 90% refund of the Contract purchase price less any discounts received. If you cancel this Contract after thirty (30) days, a pro-rata premium refund will be made based upon the time used, and discounts received, less an administrative fee of fifty dollars ($50.00) or ten percent (10%) whichever is less. All refunds will be paid to you. - Cancellation by Us: We may cancel this Contract for any reason within the first thirty (30) days. After thirty (30) days, we may cancel this Contract: - If you have failed to maintain your Air Conditioning system as prescribed by the manufacturer; - If you have not paid for the Contract. - If there are excessive nuisance calls - If we cancel this Contract, you will receive 100% of the paid unearned pro-rata premium, less any discounts or work performed, less a $50.00 administrative fee. If discounts applied are more than contract cost, no refund will be due to customer. Normal maintenance price for maintaining AC units is $195.00 per AC unit maintained and will be deducted off any refunds. Any balance of refunds will be paid to you.

(888) 349-6922 | info@atcair.com
http://atcair.com
13801 NW 4th St
Sunrise, FL 33325

Founder William O'Neil

 founder William O'Neil

All of IBD Digital's stock lists, market timing strategies and proprietary stock ratings are based on the CAN SLIM Investing System. This system, created by legendary investor and IBD founder William O'Neil, is a complete approach to identifying winning stocks based on decades of research.

US flight to China | Direct flights

Here is the link. 


Chinese Airlines Plan New U.S. Flights for Summer 2024

U.S.-China flights are one step closer to returning to normal.

 The U.S. Department of Transportation (DOT) approved increased frequency for China-U.S. flights in late February, allowing Chinese passenger airlines to boost their weekly round-trip U.S. flights to 50 starting on March 31. While the new rate is higher than the current 35 flights, it only returns the market to one-third of pre-pandemic levels.

计划新增的航班为:

自3月31日-5月2日,北京往返西雅图,航班号为HU495/HU496,逢周二、四、六执飞;

自5月3日起,改为逢周二、六执飞,新增两班。

自5月9日起,新增一班重庆往返西雅图航班,航班号为HU445/HU446 ,每周四执飞。

有专家指出,目前的中美直航航班,实际每周中方运营35班,美方31班。中方大概率将增至50班,按照航权对等原则,如果美方航司也逐渐增加中美往返航班的话,则中美直航航班每周有望增至100班。

目前,中美直航往返经济舱机票在3、4月的淡季,票价约在1500美元左右,5月以后,均价则飙到2000美元以上。希望增班之后,大家关心的暑期票价能有所回落。

中加航班暴跌91%,中国游客剧减80%

身在加拿大,小伙伴们面对的确是惨痛的现实。

航空分析公司Cirium的最新数据显示,今年3月中加之间的航班数量与疫情前相比,暴跌91%!

疫情前,中国游客曾是加拿大旅游业的主力军,消费能力惊人,是加拿大的高价值游客,可如今入境人数断崖式下跌。

加拿大统计局的数据显示,2023年中国游客赴加数量还不到疫情前高峰时期中国游客数量的三分之一。

据globalnews报道,疫情前的2018年和2019年,每年大约有75万名中国游客来加拿大。

加拿大旅游业协会总裁兼首席执行官Beth Potter表示,2019年,中国游客在加拿大逗留期间,在酒店、餐饮和其他物品上总共花费了近20亿加元。

中国旅客平均每次在加拿大的旅行花销都超过2,900加元,平均停留44晚。疫情爆发前,这些数字一直在稳步增长,因为许多人是为了探望亲友、上学或出差而来。

Beth Potter指出,可以看到,中国游客几乎都是高价值游客,对加拿大的地方经济也产生了巨大影响。

疫情之后的2021年,中国游客访加人数从75万暴跌至41500人。

就算在疫情结束后的2023年,有22.5万名中国游客访加,但仍不到2019年高峰人数的三分之一。

旅游业人士直言,中国游客曾经是仅次于美国和英国的第三大旅游客源国,并且以加元计算总体支出排名第二,可如今却是如此惨状。

可以说,中国游客的缺失,让加拿大旅游业损失巨大。

著名景点尼亚加拉大瀑布中国游客的流失特别明显。另外,以前多伦多DT隔三差五就会有个旅行团,CN tower人满为患。如今,入境中国游客人数暴减,一些纪念品店甚至都倒闭了。

Beth Potter表示,对于一些想从中国来加拿大的旅行者来说,目前可能仍存在着一个重要障碍。

自疫情后旅行限制放松以来,中国已将数十个国家添加到允许旅行团游览的“批准目的地地位”名单中,其中包括澳大利亚、英国和美国,但加拿大目前仍未在这个名单里,这可能也反映了两国之间外交紧张局势的加剧。

航班数量剧减更是无数华人心里的痛。航空分析公司Cirium的最新数据显示,今年3月中加之间仅有41个航班,与2019年同月相比,航班数量下降 91%!

直航航班太少,票价高昂,很多中国游客只能绕道中转来加,这无疑也让加拿大难以成为热门的旅游目的地。

加拿大旅游局预计,中国游客数量可能要到2027年才会复苏。

如今,看着美国的华人网友们正在为直航增班狂欢,加拿大华人们心里真是五味杂陈。

中美航班大增的消息一出,不少加拿大华人都炸了,纷纷跪求中加增航,并表示,现在中加往返机票实在太贵了。

去年还有加拿大华人发起请愿,要求加拿大联邦政府尽快让加中航班常态化。不过截至目前,中加直航还是没有增加的迹象。

随着中美航班大增,预计机票价格也会有所回落,届时大家也可以考虑去美国转机。

不过,身在加拿大,很多小伙伴们当然更希望加中直航航线也能大增,回国能更方便,也更便宜一些。

希望很快就会有好消息传来!


How long does it take to get a Chinese Visa in Vancouver?

 How long does it take to get a Chinese Visa in Vancouver?

Regular service: 4 working days. 2. Express service: 2 working days. Visa can be picked up on the 3rd working day.
Address1595, 200A W Broadway, Vancouver, BC V6J 1W6
Hours