2016年7月18日 星期一

主要針對幫助(負進賬/低進賬) 人士 Carrot on a stick

何為(負進賬/低進賬)人士?
所謂香港嘅中產人士

香港典型嘅「中產」人士

 如果單以收入作為衡量「中產」,實在唔公平,為何香港有咁多月光族?
 以萬多至幾萬元收入嘅中產為例:
 1. 喺中環工作冇可能住喺中環附近咁貴租,對嗎?
 2. 喺中環工作冇可能去深水埗食平價lunch,對嗎?
 3. 住喺元朗嘅平租單位冇可能喺元朗揾度份幾萬蚊嘅筍工(做政府工除外),對嗎?
 4. (供樓或租樓)是浮動支出,但已浮上唔浮落好幾年,如下滑即係經濟唔好,中產經理級會首先開刀,對嗎?
 這些人有個共通點:
 1. 他們不是做政府工
 2. 他們都要供樓或租樓
 3. 他們冇資格買居屋或公屋,更冇可能攞綜援
 4. 他們每天都要工作,放假嘅時候都要諗返工將會做乜 (手停口停,跟住債主㩒門鈴)
 5. 他們冇時間策劃收入支出平衡,信用卡就係他們嘅財政大神
 ?您會有解決方案嗎,有-請留言,冇-請廣傳。延伸找答案...

This is what Hong Kong middle class working people
1. They work in a place at Central will not afford to live in the same place for sure,
2. Working at central, they will sure cannot enjoy the cheap lunch, the cost of a lunch in HK we need to pay 50% which is derived from the rent of the shop,
3. You couldn't live a cheap rent area and get a high pay salary job, because those multinational corporation head office will not open in a poverty area.
4. Those who need to pay either rent for the apartment or loan to the bank for the apartment
These middle class of people normally have the following points in common:
1. Their jobs are not government jobs
2. They need to rent a place or pay the loan for the apartment
3. They are not qualified to be benefit in government housing scheme nor welfare programs
4. They must need to work everyday, even during holidays, the mind is still united with the company
5. They have job thus they have credit cards offer from banks, but they absolutely have no time to plan their financial planing, because all these plans will be suggested from the banks' financial advisers who set the height of the "Carrot on a Stick"
?Do you have any solutions on this, please leave your comments if you think of any ideas, Or spread this out to reach someone who may have...



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