證券投資?

低薪、低利的時代，年輕人難上位，
有錢人掌握資源，利用極低利率槓桿，創造超額報酬，另年輕人羨慕與憤怒。
在這年輕人買不起房、買不起車的年代裡，年輕人早已了無大志，有小確幸就好。
令人擔憂、沮喪。
欲改變現況，需大破大立，但難，且年輕人沒種，所以需自強，不求他人。

除非天賦異稟，僅靠薪水難以翻身，
欲要無慮生活，投資為一解。
如今房價以令人嘆為觀止、台灣債券市場並不蓬勃、外匯波動太大下，
證券投資是一般普羅大眾最易的方式改變生活，改變人生。

證券投資有重要三點:
1. 基本分析
2. 資訊擷取
3. 操作策略

上市櫃股票近1600多家，如何找出超額報酬，在於研究多深、多細、膽量。
從基本財報閱讀、產品理解、競爭對手分析、成長性推估、市場評價、到實際操作重壓，
著實像一場棋局，不可輕忽不可懈怠。

切勿聽信市場小道消息，否則輕則停損、重則套房，難過不已。

如何面試

最近與朋友們聊到面試心得，聊到社會新鮮人面試，忽然有感而發，也給未來準備進社會的新鮮人一些面試建議。

首先，「面試」就像是一場戲。面試者努力顯示自己長處，減少短處暴露。面試官努力陳述公司的美好，希望找到公司未來明日之星。以上內容觀察，請記得表演能力是「面試」中的關鍵。

在講建議之前，必須先認真、嚴正說一件事情。新鮮人意即無經驗的員工，但並不代表面試官能糟塌你。如遇到不合理、不尊重面試者的面試官，請堅守自己價值，千萬別委屈自己去接受一份在還沒進去前已經反感的工作。因為一場「戲」在開始就已經有疙瘩了，後面的戲能演嗎?

對面試的建議，放鬆回答、自信、微笑、做功課

面試時，回答要放鬆，勿僵硬，面試官不是殺人犯，他不會殺你。把面試官想成是你父母親，回答雖輕鬆，但要尊重。

面試過程，請充分展現你的自信，切勿畏畏縮縮。回答也請減少語助詞，如「阿、痾、恩、耶、唷」，也減少重複內容，如「我家有三人，媽媽爸爸哥哥，所以有三個人」。

回答與聆聽過程請微笑，切勿哭臉、鬼臉、哭喪臉。面試是場「戲」，但絕對不是鬼片、死人片、殺人片，所以不會有恐怖情節，保持微笑不會突兀。

做功課，面試前請瞭解職務內容、工作技能所需、公司沿革、公司產品、公司產業、公司強項。如面試會計，請至少懂什麼是會計，會計基本原理，對應公司的產品及產業，所需的會計準則會是什麼。瞭解你面試的公司，戲才能演好。

整場「戲」的過程，切勿用請問開頭，用「請教」開頭，面試官不是你下屬，也不需要被你問。新鮮人經驗0，所以是用請教不是請問。

Research Analyst!!!

I left Chinatrust at the midst of April and started to work at a equity research firm in the hope of making tons of money, and of course, this position is my dream job. I remember I told my boss that I shouldn't care that much of my salary as long as I was accepted. And, I got accepted.

I've been working at this firm for few months and visiting many companies for a discussion of industry and capital market with their CEO's or Chairman. By doing so, we've received a lot of information with respect to the visited companies, or currency and global financial market in order to make decision.

Journal!!

Remember the day I arrived at Taiwan in the evening, I told myself I had to get back to USA once having something in my resume. But, I needed to finish my military service first. During the serving time,  I've followed Chris Huang's suggestion to get some Financial certificates, which are approved by our Government. Although they couldn't be a significant, or valuable weapon for me to trigger a war, they are the minimum requirements for me to join the war. I, indeed, took and pass some of them, but failed the most important one. Therefore, I lost the chance to apply a position in equity firms. During the time I'd been looking for an equity research assistant, I got refused due to lack of the one I failed. Because of it, I, in turn, started to look for a position in banking industry. Luckily, I received an offer from Chinatrust with an acceptable pay as well as a well-established 6 months' training program. I've learned a lot of knowledge from it. At the end of training program, I took the final presenting test, which I've had to pick one of reports that I wrote in the program; thereafter, I had to present it with sufficient information, in order to answer questions that exam's committee would ask. If I couldn't answer them correctly, I would probably fail the training program. all of us were working hard to check, to ask, and to discuss "what-if scenarios" that would happen in the final test. One week later, I received a pass notification from HR and was assigned to one of RMs, whom I respect very much. Since then, I've worked overtime almost everyday.

Journal!!!

I am afraid losing anyone whom I love very much.
God, please give us a chance to do what we have to do and are able to raise our families up.
I am afraid of seeing my families' crying, because I couldn't do anything for them.
God, please let us overcome this tragedy with given power.
I am afraid of waiting for the result, because it's the reality.
God, please let us go through the road with given signs in this harsh reality.

What shall we do in the lifetime?
Actually, we couldn't do anything according to a great man. That's true.
We've always got nothing to be ready for the war.
When white gentlemen and lady walk out the small room, the only answer we expect is everything done well. Fortunately, we won the first war and have to face more of it. Hope we can always be the winner.

I am not afraid of spending all the money, because I know how to make it.
I am not afraid of taking care of, because that's the best and only way for me to do.
I am not afraid of everything, as long as it is given a chance to try.
Please, God, let us be around its feather peacefully.

God please bless us.

Journal!!!

It's already been 6 months at CTBC as an ARM. Back to the first date I walked in the office, I was like a kid. Even now, I am still a kid, but at least have something. I've gradually had a little sense of what industry is. Hope I can be much better. At the first week of 2015, I am just like a solder and wait for an arrangement, which I've got no ideas where I will be assigned to.

2014 is actually not a good year for me, especially I've done nothing with my certificated license of equity. Also, I left my military service at January, but got a job at July. Maybe, the best I've done is arranging my best friend to go abroad. Her girlfriend must hate me. Wish she could forgive me, lol.

I don't know when the time is for me to head back to USA, where I plan to obtain a MBA degree. After two years, I can't still make a decision and afraid of making it. It seems like I've lost my courage. Wish I can get it back as soon as possible.

Journal!!!

I haven't posted a journal in three months and felt having troubles on English speaking and reading. I am worrying about the issues I have to face when heading back to my second home, and probably pursuing my MBA degree two years later. It is hard for me to write up an Essay logically. I've got no ideas with it and wish I could do it the same as I did it before. Recalling the proverb my high teacher told us is "Practice makes Perfect.," which is fking true. I should have my books with me again and write an Eng103-level essay.

I've worked at Chinatrust as an ARM for three months already. Most of co-workers are very nice and be willing to teach us, even if we were asking stupid questions. In months,  I couldn't help to think why Government has executed many policies to hold back banking industry and to prevent it from growing fast. If against to them, we crash. We would be under arrest just because of looking for one's personal information, whom we had already looked up in our systems. That's the most important we have to be very careful.

In addition to search of one's personal information, we have to write up a research report with a detailed analysis. Before writing, we have to prepare many documents, pursuant to the law. By checking these documents, we can receive some of necessary information, such as savings, account statement, and credit records.  After collecting them, we've got to find industry research paper, called outside resources. When these documents are ready, we've got to prepare PPT for rating and Annual Review for Credit Situation. Three most important thing are how transactions are going with, what major products borrowers launch at, and financial analysis. While asserting a finish of our PPT, our managers will assign a date for us to visit the borrowers, in order to ask some questions that is hard to figure out. With submitting Credit Analysis to our credit officers, they will check it and give an advice and return it to us, which takes about 2~5 days running the process. Hope I can get it done throughout and accurately.