「财经周记」明早上午8时，准时带您回顾国内外财经大小事：

1. 回顾2021年经济重大事件

2. 2022年全球经济会有什么风险？

3. 后疫情时代的经济复苏

主持人：Wayne Lee 李运祥 & Chasie 馨莹

特约财经评论员：黄詝瀚（财经作家兼企业律师）

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网络线上收听：https://bit.ly/LiveCITYPlusFM

下载App：http://onelink.to/b8cbtm

Podcast：http://cityplusfm.my/podcast

节目详情：https://bit.ly/TheWeeklyFinance

#CITYPlus #城市向前行 #财经周记 #TheWeeklyFinance #新城市 #新活力 #每次收听 #都有收获

「城市周记」今日带您回顾本周的国内外大小事：

1. 72%年轻雇员愿离马，61%雇员想换工的调查

2. 大马今年第三季GDP萎缩4.5%

3. NFT的价值有多高？

主持人：Teck Chai 德财 & Wayne Lee 运祥 & 良波

特约评论员：黄詝瀚（财经作家兼企业律师）

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下载App: http://onelink.to/b8cbtm

官方网站: http://cityplusfm.my

Podcast: http://cityplusfm.my/podcast 「城市周记」

节目详情: https://bit.ly/3B1gazu

#CITYPlusFM #FM106 #城市向前行 #城市周记 #CITYJournal

首相依斯迈沙比里在公布新政府执政百日成绩单时宣称，尽管没100%达标，内阁行政百日的整体表现达到约90%目标，各项计划已经及将会落实。 然而，在后疫情时代，经济复苏受到各界的密切关注，政府在实行任何计划时，如果能带动国家经济，相信在明年经济复苏将会取得正面的进展。 而在这百日执政内，和经济相关的部门如财政部、国际贸易及工业部以及首相署经济事务部的表现又如何？他们在处理国内经济和外国投资方面又是否达到预期？

主持：Wayne 运祥 & 良波

嘉宾：黄詝瀚（财经作家兼企业律师）

#CITYPlusFM #FM106 #城市向前行 #城市话题

首相依斯迈沙比里指出，配合“大马一家”概念推出的「2022年财政预算案」，具有“哇”元素，将确保没有人在疫情期间及国家复苏计划中被遗漏，所有人都会受惠！ 配合10月29日的2022年财案提呈日，今天有财经作家兼企业律师黄詝瀚，和大家重点回顾各界期待的财案框架及政策，一起来聊提呈日的重点预测。

主持：Wayne Lee 运祥 & Chasie 馨莹

嘉宾：黄詝瀚（财经作家兼企业律师）

#CITYPlusFM #FM106 #城市向前行 #城市话题 #2022年财政预算案特备 #Bajet2022

"It is extremely hard to gain traction by writing about fundamental investing or simply put “investing the right way”, against the temptations of returns and promises of quick profits by operators, speculators, or syndicates. Yet, as in all things worth fighting for, I remembered that the innate nature of humans is to pursue a better life for themselves and their families. Therefore, the stock market, which has helped me in my pursuit of happiness, should not be branded incessantly as a pit of greed, ignorance, and tragedy due to shady elements in the market."

Thank you CITYPlus and LUM CHIH FENG for having me over to deliberate the thorny issue within the #12MP announced by the Prime Minister recently. It was a great experience.

首相依斯迈沙比里在提呈的第12大马计划里，拟定强化土著议程来改善土著收入，引起不少热议。 国会反对党领袖安华认为， 若这项“土著股权安全网”按照旧有方式执行，将无法真正帮助穷困的马来人，反而只是惠及朋党。 行动党安顺国会议员倪可敏则指出，这会造成外资与人才流失。

这期节目有 Emily Ng 黄佩玲和舒敏，邀请财经作家兼企业律师黄詝瀚来剖析，究竟这会对国家的整体经济政策带来什么影响？“土著股权安全网”与之前宣布的货运代理土著股权51%是否有关联？

#CITYPlusFM #FM106 #下班忙什么 #下班有话题

The potential default of Evergrande and its comparison to Lehman Brothers of China has unsettled many investors as well and the financial markets.  It also acts as a reminder on the importance of cashflow and its management especially during expansion. 

"A successful business must first be able to deliver profitability with a healthy balance sheet, period. If you disagree, think about the Covid-19 pandemic causing demand destruction and pummeling the global economy. How many reputable companies with strong heritage have filed for bankruptcies in the past one year?"

Below is my live interview with CityPlusFM on the hottest issue in the markets today.

房地产巨头中国恒大集团，近期陷入了严重的债务危机，外界甚至传出恒大可能面临破产，股价应声暴跌。 恒大长期靠举债实现扩张，估计目前负债超过1.8万亿元，加上遭到中国政府整顿 “打房”，面临巨大监管压力。 信用评级机构惠誉（Fitch）将恒大集团及其地产公司评级由CCC+下调至CC，即违约风险较高。投资者纷纷要求偿还贷款，引发抗议事件。 究竟恒大该如何处理这场债务危机？恒大债务问题将对整个中国金融系统构成什么风险？

主持：Wayne Lee 运祥 & Chasie 馨莹
嘉宾：黄詝瀚（财经作家兼企业律师）

#CITYPlusFM #FM106 #城市话题 #中国恒大事件

Warren Buffet in the video above points out "Some people are not actually emotionally or psychologically fit to own stocks but I think more of them would be if you get educated on what you're really buying which is part of a business and the longer you hold stocks the less risky they become." 

In times of uncertainty, I would turn to the best minds for comfort. No matter how many years I have invested in the market, there will be moments of weakness or lack of confidence in my judgment calls. I am after all human. However, the past can always teach us a lot of things. So do not, let the present affect your outlook towards the future. 

"Past experience has always shown that the stock market will normalize the gyrations in due course when the forces of demand and supply reaches an equilibrium. If the stock market is not going your way but you are convinced that you have invested in a gem, you can extend your investment horizon further. It will give you more comfort to hold on, sit tight, and ride the rebound in time. No one can time the bottom. I, for one, definitely cannot do it. However, as long as I can buy into a stock at a level on which I am comfortable with, I am unlikely to pass on the opportunity."

Passage from "Once Upon A Time In Bursa : The Money Equation", Chapter 10, Page 116