［The poorer you are, the more frequent that you see ghost］穆迪下調匯控（HSBC）（＊）評級喎，冇乜見人講？

TLDR：核爆級云云，當然係呃你的。睇股價咪知，唔呃人，99%情況，股價反映晒任何已知發生嘅嘢，人類智慧總和。咁寫當然係諷刺而家啲友，濫用強烈嘅詞語，同落重調味一樣，係作者冇信心嘅表現。

1. 實情十分合理，預咗，所以對股價應該零影響。早幾日下調咗大英帝國主權評級，咁銀行就差不多一定接住。除咗匯控，仲有萊斯（官方譯名叫駿懋），桑坦德都一齊。

2. 至於RBS皇家蘇格蘭（其實而家係國民西敏NatWest）點解冇份？唔知，因為一早係國企？但，都係分開評級的（正如四大中資行同中國主權評級都分開），況且早幾日大英帝國被下調時都唔覺有郁NatWest

3. 下調英國評級嘛，都係嗰幾味。經濟差，債重，保就業但錢從何來？。本人不止一次寫過，MMT（Modern Monetary Theory）係金融巫術。如果你認為真係work嘅，不妨諗下，如果國家可以不停用本幣發債而冇任何後果—咁，仲使乜收稅？

4. 又，換著香港？又成班乜柒學者出嚟講，嘩，發債成本大升呀，利息開支加呀，雪上加霜呀，惡性循環dead spiral呀，外資拋售呀，好多基金要睇住信貸評級呀。

5. 係咯，係咁簡單就好。你不妨睇下美國上次被下調評級後，融資成本有冇升到。「美國點同！」。咁你可以睇下英國，或者香港。再唔係睇下希臘國債而家幾多厘息，睇下見唔見到大嶼山。

6. 又又又真係要講，「評級機構都好信嘅？」。正如今期流行嘅「民調都好信？」，的確，「評級機構都好信？」。中文唔好（英文更差），但即係，credit rating agency 頂多can suggest a price, but cannot enforce it．

7. 實情呢句「評級機構都好信？」，質疑極有道理。雷曼債都AAA啦，係咪？之後的確評級機構大受評擊，政府話要整治云云—轉眼間雷曼爆煲12年，唔知整治咗乜。穆迪當年20蚊，而家300，不停創新高。

8. 事實上呢個商業模式幾好，同Visa/Master一樣，穆迪同標準普洱Duopoly，但因為穆迪「只係」520億美金市值（Visa嘅十份一），一般人根本唔會接觸到，所以唔會畀政府搞。如果信咩共濟呀郭文貴呀阿波羅新聞嗰啲，咁穆迪直頭係美國金融大殺傷力武器添，點會搞佢？「咁點解穆迪下調美國評級？」「苦肉計呀，冇聽過呀？」

9. 以上種種，當然Patreon寫過，可以去訂（https://bit.ly/31QmYj7）。冇錢？買Moody’s啦，都話上市公司。

10. 冇時間睇？「唔緊要，照科水就得」。講真的。今日同讀者食飯，講話到埃汾畀人炒魷（你覺得冇呢一日？再鋒利嘅刀都會生鏽，況且我又唔係未畀人炒過），就應該可以扮村上春樹咁，日本又住幾個月，韓國又住幾個月，泰國又住幾個月咁。靠嘅除咗係科技，當然就係眾多讀者支持。諗到呢度真係令我覺得好幸福。「但未開關喎」「咁……一晚在麗晶大賓館，一晚在麗晶酒店都得嘅」

（＊）嚴格嚟講，係HSBC嘅英國unit．係喎，香港又分另一個評級的。因為發債係間銀行發，一般唔係HSBC Group發（得吾得架呢？好似唔得）。唔止講過一次，你做銀行同業嘅，你拆錢畀DBS Bank Hong Kong Branch 同DBS（HK）已經係兩回事。有限公司嘛，理論上後者執笠，前者完全唔使承擔任何債務。Vodafone嗰時阿根廷subsid爭落一身街數，母公司都係有得佢的。並冇母公司要上身呢回事。

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Ivan Patreon 狼耳街華人，一星期至少三篇港美市場評點，一個月一舊水唔使，開張兩個月已600人訂！仲有兩篇免費試睇：https://bit.ly/31QmYj7

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instagram @ivanliresearch．七成金融（短打）兩成嘢食一成其他嘢。

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［收費短片第十擊］人民幣升值受惠股，美股二線科技股揭秘
課程資訊：https://homebloggerhk.com/course_detail/?code=CC010

內容:
*軟件股IPO狂潮
*買平台股好過
*人民幣強勢買咩好?

本星期內特惠售價: $80
課程編號：CC010
觀看期限：首次播放後一星期及限每影片４次
客服whatsapp: 63832145

【情緒健康】最近有甚麼事情令你好疏肝？

⭐肝好情緒自然好
⭐放鬆吓啦香港人
#星期四食材

行氣食材助疏肝
「疏肝」是廣東話抒發鬱結、心情暢快的意思，究竟與肝有何關係？其實「疏肝」一詞出自中醫，中醫理論認為肝主疏泄、調節情志，角色就像體內的交通督導員，專責保持全身經脈道路暢通，如果肝功能失調導致肝鬱，就會令情緒鬱悶，出現頭痛、多嘆氣、多打嗝或放屁、胃痛、大便不調、失眠等症狀；如果肝能順利疏泄，精神情緒就能愉悅。
當人遇上壓力或不快事情，容易氣頂或氣結難下，這種鬱悶感覺直接令體內氣血不順，阻礙肝臟的疏泄工作。所以遇上情緒問題，除了控制及發洩情緒，適量進食行氣食物，例如白蘿蔔、陳皮、五指毛桃、金桔、玫瑰花等，有助氣血運行，改善肝鬱氣滯的情況。

白蘿蔔 — 性寒，具順氣寬中、健胃消食、清熱利尿、生津止渴的功效，尤其適合氣滯、血瘀體質人士食用，有行氣功效；而氣虛體弱、虛喘氣短、容易腹瀉、陽虛體質不宜食用，正在服用補氣中藥亦要避免，否則影響藥效。

陳皮 — 性溫，能理氣健脾、燥濕化痰，紓緩寒痰、腹部脹痛、孕婦及宿醉人士的作悶欲吐等，適合有壓力、氣滯、血瘀、痰濕體質人士服用。

五指毛桃 — 性平，有健脾補肺、行氣利濕、舒筋活絡功效，尤其適合氣虛、脾虛人士服用。

金桔 — 性溫，有理氣解鬱、消食化痰的作用，對於有胸悶氣結、心情鬱悶的人最為適合，同時可紓緩因肝氣鬱結而引起食慾不振。脾胃氣虛者不宜多吃。

玫瑰花 — 性溫，有疏肝解鬱、行氣活血作用。因為有活血功效，月經期間不宜飲用。

✔推介茶療：疏肝
材料：玫瑰花、桂花、佛手、佛手花
功效：行氣解鬱，紓緩忙碌、經常嘆氣、精神壓力大、月經不適等症狀。
注意：孕婦及月經期間不宜飲用。

✔推介茶療：火龍果玫瑰茶
材料：紅火龍果、冰糖、蜂蜜、玫瑰花、檸檬及白毫烏龍
功效：疏肝解鬱，潤腸通便，適合大便不暢、有壓力、經常嘆氣、暗啞肌膚的人士。
注意：適合月經前飲用；月經期間、孕婦不宜。

留言或按讚👍🏻支持一下我們吧！❤️ 歡迎 Follow 我們獲得更多養生資訊。

Relieve stress with ingredients that improve qi circulation
Soothing the liver, or ‘soh gon’ in Cantonese, means to relieve stress and improve our mood, but what has this got to do with the liver?

The term ‘soh gon’ actually derived from Chinese Traditional Medicine. According to its theory, liver is the central system that promotes circulation and dispersion, as well as regulates the emotions. It functions like a traffic warden of the body, who is in charge of ensuring the smooth circulation of the Meridians.

Individuals whose liver lose the function to regulate the body will experience emotional stress, headache; tend to sigh, burp or fart; suffer from stomach upset, abnormal stool consistency, and insomnia. If the liver is able to perform its functions well, our emotions will be stable and we will be in better spirit.

When we are stressed or experience unhappy events, we would experience the stagnation of the qi and blood, and this will inhibit the liver from performing its duty. Therefore, when we encounter emotional problems, we should learn to control ourselves and vent our frustrations appropriately. At the same time, consume food that will help improve qi circulation, such as white radish, dried citrus peel, hairy fig root, kumquat and rose flower, as these ingredients can improve the liver’s function to circulate and disperse, thus relieving the problem of stagnation.

White radish – cold in nature; can improve qi circulation, strengthen the stomach and aid digestion, induce diuresis and quench one’s thirst. It is especially suitable for individuals with conditions such as qi stagnation and blood stasis, as it promotes the qi circulation. It is not suitable for individuals with weakness of qi and body, as well as people who experience shortness of breath, prone to having diarrhea, and are deficient of the yang energy. Individuals who are taking Chinese medicine to replenish qi should avoid eating white radish, as it will inhibit the medicinal effect.

Dried citrus peel – warm in nature; can improve qi circulation and strengthen the spleen, dispel dampness and clear phlegm; relieve phlegm caused by cold, bloating, as well the nauseous feeling pregnant women and individuals who get hangovers would experience. It is also suitable for individuals who are under a lot of stress, experience qi stagnation, blood stasis and those with the phlegm-dampness body condition.

Hairy fig root – mild in nature; can strengthen the spleen and nourish the lungs; improve the circulation of qi and dispersion of dampness in the body, stimulate the circulation of the Meridians. It is especially suitable for individuals who experience qi deficiency and with a weak spleen.

Verified
Kumquat – warm in nature; can improve qi circulation and relieve stress, aid digestion and clear phlegm, suitable for individuals with chest tightness and with emotional problems. Kumquat can also improve appetite loss, which is caused by the qi stagnation in the liver. Those with qi deficiency in the spleen and stomach should limit the intake of kumquat.

Rose – warm in nature, can soothe the liver and relieve stress, improve the circulation of the qi and blood. Women during the menstrual period should not consume, as it promotes blood circulation.

✔Beauty Tea Recommendation:
Stress
Ingredients: Rose, Sweet Osmanthus, Fingered Citron, Fingered Citron Flower
Effects: Promotes qi circulation and relieves stagnation. Suitable for busy lifestyle, frequent sighing, stressfulness and menstrual discomfort
Note：Not suitable for pregnant or menstruating women.

✔Herbal Tea Recommendation:
Dragon Fruit Rose Tea
Ingredients: Water, Dragon Fruit Juice, Rock Sugar, Honey, Rose, Lemon Juice Concentrate, Oolong Tea
Effects: Relieves stress, moistens the bowels to relieve constipation. Suitable for difficulty passing stool, stress, frequent sighs, and dull complexion.
Note: To relieve menstrual discomfort, have this tea 3-7 days before period.
Not suitable for menstruating and pregnant women.

🛒CheckCheckCin shops
Sheung Wan｜G/F, Kai Fung Building, 4-6 Jervois Street, Sheung Wan
Causeway Bay｜Shop No. G14, Windsor House, 311 Gloucester Road, Causeway Bay
Tai Koo｜Shop No. L109, 1/F, Cityplaza, No. 18 Taikoo Shing Road, Tai Koo
Tsim Sha Shui｜Shop L216, 2/F, Star Annex, Star House, 3 Salisbury Road, Tsim Sha Tsui
Yuen Long｜Shop A262a, Level 2, Yoho Mall II, 8 Long Yat Road, Yuen Long
Tseung Kwan O｜Shop No.G91, G/F, Park Central, 9 Tong Tak Street, Tseung Kwan O

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Comment below or like 👍🏻 this post to support us. ❤️ Follow us for more healthy living tips.

#男 #女 #我有壓力 #氣滯 #血瘀 #失眠 #頭痛

【網上傳聞】「殺精」這詞彙聽到，個心都寒一寒

#聽聞可樂也會殺精你會戒掉嗎？
#不良生活習慣才是殺精兇手
#星期三問題多多

如何養好精子質量
已婚男：「我正計劃生小朋友，上網找到資料說吃薏米會殺精，真的有那麼恐佈嗎？」

CheckCheckCin：現今世代很多人都喜歡上網搜尋資訊，實在要小心查證以免以訛傳訛，薏米既是食材又是中藥材，平日飲食中很容易能接觸到，亦有人特意喝薏米水養生，豈非很危險？
其實傳聞並不真確，根據中醫理論，生薏米性涼，有健脾養胃、補肺化痰的功效，適合濕熱體質人士食用，有助健脾滲濕。但假如本身是因為脾虛或氣虛而引起的水腫，就不適宜食用。
與其誤信食物會殺精，不如檢視一下自己的生活習慣，因為都市人的不良生活習慣，往往會導致精子質量下降。

影響精子質量的不良生活習慣：
- 經常熬夜
- 嗜生冷甜食
- 嗜辛辣肥膩食物
- 嗜含防腐劑及味精的即食食物
- 缺乏運動
- 吸煙喝酒

Maintain healthy sperms
I am planning to have children soon, and read online saying coix seeds can kill sperms, is it true?
CheckCheckCin: People love to search online nowadays, so it is important to differentiate truth from myths. Coix seed is an ingredient as well as Chinese medicinal herb and it is used in many common dishes. A lot of people also see coix seed as a healthy ingredient, so it would be quite dangerous if it did indeed kill sperms. This is just a myth. According to Chinese medicine theories, coix seeds are cool in nature, can strengthen the spleen and nourish the stomach, replenish the lungs and relieve phlegm. It is suitable for those with damp heat body types. However, it is not suitable for edema caused by asthenic spleen or qi deficiency. If you are worried about sperm count, rather than worrying about coix seeds, it is important to review your lifestyle habits and ensure you are not doing things that is hurting your sperm.
Habits that may affect sperm count:
- Frequent late nights
- Preference to cold/raw foods and sweets
- Preference to spicy and fatty foods
- Preference to things with preservatives and msg
- Lack of exercise
- Smoking and drinking

#男 #我疲憊 #濕熱

今日は西野カナさんの「トリセツ」を英語でお届けします♪
この曲は「女性の取扱証明書」という面白いコンセプトになっています。
たくさんの女性が共感できると思いますので、男性の方は勉強してくださいね(笑)

Here is an English version of female Japanese singer-songwriter Kana Nishino's "Torisetsu" (Instruction Manual). I found the lyrics quite interesting, since they read as an instruction manual for how to treat a girl. Men, please take note :)

～♪～♪～♪～♪～♪～
曲情報 / SONG INFO
～♪～♪～♪～♪～♪～

Kana Nishino / Torisetsu (Instruction Manual)
Released 2015 (single)
Lyrics: Kana Nishino
Music: DJ Mass（VIVID Neon*), Shoko Matsuyama, etsuco
English Lyrics: Rebecca Butler Watanabe

■公式MV
https://youtu.be/aPHGClLjZWk

～♪～♪～♪～♪～♪～
リンク / LINKS
～♪～♪～♪～♪～♪～

■HP⇒ http://BlueEyedUtaUtai.jimdo.com
■Facebook⇒ http://facebook.com/blueeyedutautai
■Twitter⇒ @BlueEyedUtaUtai

～♪～♪～♪～♪～♪～
歌詞 / LYRICS
～♪～♪～♪～♪～♪～

I’d like to take this opportunity
to say thank you for choosing me
to be the partner by your side.
Before we start I will read out to you
the manual for how to use
me best and how to treat me right.

First off, always treat me like you need me
with respect and warmth.
Don’t forget that I’m a one-time-offer
with no exchanges or returns.
I’ll be yours forever more.

Well, there may be times when I am broken down or raise a fuss
but when you ask me why,
don’t expect an answer, but ignoring me will make it even worse.
For this, I apologize.
So I hope that you don’t let that discourage you
‘cause I’ll be counting on your love to see me through.

I’ll have longer durability with frequent compliments,
like saying my nails look good.
And if you notice all the little changes. I will be content.
Pay attention like you should.
Honey, but there are some things you don’t need to say.
You can keep it to yourself if you think I’m gaining weight.

When I get a little older and my hair turns to gray
and the magic is starting to fade,
just close your eyes and think of how we met that day
and all of the precious memories we made.

I look forward to being with you for quite a while.
I’m a mess but please take me as I am
with forgiveness and smile.
And if you always take good care of me,
my love will last forever with a lifetime guarantee.

Well, you may be surprised to hear a single flower that I don’t expect
is sure to make my heartbeat race
and little gifts from time to time will have a positive effect
if they’re chosen in good taste.
But if you want to know the best way to my heart,
writing me a short love letter is the best way to start.

And when I am drowning in sorrow and tears cover my face,
wipe them gently ‘til they’ve gone away.
Wrap your arms around me in a tight embrace,
‘cause no one else but you can make me feel okay.

I look forward to being with you for quite a while.
I’m a mess but please take me the way I am
with a nod and a smile.
And if you always take good care of me,
my love will last forever with a lifetime guarantee.

I’d like it if sometimes you would take me traveling
And for a fancy dinner on our anniversary
Without saying it’s not our scene
Take my arm so I feel like a queen.
Open your heart up wide and love me true and deeply
Take every single part of me

これからもどうぞよろしくね。
kore kara mo douzo yoroshiku ne.
こんな私だけど笑って許してね。
konna watashi dakedo waratte yurushite ne.
ずっと大切にしてね。
zutto taisetsu ni shite ne.
永久保証の私だから。
eikyuu hoshou no watashi dakara.