Refreshing my knowledge of study of the stock market/Carlos Pueblo

 Refreshing my knowledge of study of the stock market/Carlos Pueblo

For the past week during the Game Stop drama. I have been refreshing my study of the stock market ever since. I have been preparing several times to pass the general security license, series 7, since the early 80's. It is not difficult for me to understand my son Arthur's trading. He is on the opposite side of the short seller called the short squeeze and I am very relaxed because that he is making some money and is out of it. I don't think that the Wall Street knows how to handle the squeezers. The phenomenon is still on and nobody knows when it will be end.

All what I can explain is the few short sellers are facing a huge numbers of the short squeezers. Big numbers is the terminology of the insurance. The insurance is talking about the big numbers to counter the uncertain risks. Now, the big group of the on line platform readers get the attention of the wall street establishment. They cry for the help of the Security Exchange Commission to have a new regulation and I don't know how and no body tells me how.

Can you prohibit long purchases of stocks after a huge short sells from a few? You have to prove who are on the side of the manipulation of the market. After the famous October 19,1987 crush, one of an explanation which I like very much is the circulation of money to meet the demand of the market; therefore, each time of the economic abstraction, we print more money to meet the demand. We don't like the government to compete money with the public. Interest rate is low and the money is plenty around. Hedge fund owners have money while a bulk of squeezers have huge money as well if you can do the multiple.

I feel that I am a looser when I read that an oil company is the most generous to the hedge fund short sellers in 2019 because I own that stock for more than 30 years. Now I also understand why my auto stock is depressed not like an electrical vehicle stock. It is because that both of them are very solid companies. The prior one is week because the drop of the oil price which can not reflect their asset under the ground and the later one is a closed held foreign stock in a much different business culture nation.

I believe that people are still with the opportunity in the security saving and investment. I would say in the mutual fund and go to the index first for our hard earned money to have a chance to grow. Let's watch the drama of the Wall Street.

重溫股市原理／莊峻華

 重溫股市原理／莊峻華

這幾天美國股市，均在一電玩股票炒短線話題，因為元兒參與其中買賣，與我討論，讓我重溫股市原理，短線賣出，像買空賣空，無中生有，雖是有趣，但有一半賺錢，一半賠錢，一百一十億美金易手，連白宮發言人，都被詢問兩日，我想對大股市，有些影響，短線交易是維持股市熱絡之一原動力。

有人聰明，認為某股票價值過高，向證券行借股票賣出，準備在股價跌落時，低價購入還借股票，賺取差額股價，如果如所願，可獲巨利，如不所願，股價上昇，則需高價買進股票，還給證券行，造成虧本，市場上有些股票，尤其是熱門股票，都是如此被炒熱，因此股市上昇，就是在武漢肺炎肆虐下，各指數仍創新高。

我因無短線買賣經驗，因此僅能稍憑記憶，了解元兒處境，他在網路論壇中，習得一些股市買賣知識，然後付出實用。有三家短線巨戶，為瓦解一電玩店股票，大量短線賣出該公司股票，激起網論論壇之公憤，這群約兩百萬論壇訂戶，在高手指點下，幾乎收購市場上所有該電玩股票，短線賣出146%，市場上沒有一張股票可買，因此股票上漲幾近八倍，這就是他們說的壓榨短線者，一共榨掉上面那數目。

元兒是在壓榨者部分，美國輿論開始在解釋此現象，我甚高興我能了解，他們形容這是聖經上之大衛出戰歌利亞，或是英國羅賓漢之劫富濟貧，我更高興元兒說不定，藉此戒掉日以繼夜之電玩嗜好。

Continue discussing stock trade with Arthur/Carlos Pueblo

 Continue discussing stock trade with Arthur/Carlos Pueblo

The other day, my son Arthur showed me a number on his notebook for a stock appreciation. I told him to sell it without any thinking. We have then been discussed the stock trade for several mornings. I am glad that I have some study of the security finance due to the numbers of times to take the series 7 exams.

He is on the opposite side of a short seller on a computer game stock. He calls it the short squeeze. That short seller shorts a game stock in a big number and bet the stock will go down and a group of viewers purchase the stock against it. Now, the stock is up which means that it is appreciated. I did pass the license exam after several tries; however, I only practiced long, no marginal, no short, and no option. I still believe that they are more complicated than I can handle. I want to know what and how he invests the short squeeze. I have not learned such terminology so far. 

I ask him if he trades it with a broker dealer firm? I believe that when a person orders a short position which is required some kind of money to back it up. It is like the marginal or the option trade premium to pay on call and receive on put within a time strain.  He tells me that he doesn't get a call option for that short case because of my warning to stay away from the option. Finally, I get it straight that he purchases the named stock long. I am more released. I further ask him if he uses his large portfolio to do it. He says no and only a small percentage of his available cash. I am more released and less stressful. I believe that both the short and the option trade are 50-50 chance to loose while the long can make higher percentage people to win especially via the mutual funds.

In order to get the baby tiger, you must get into the tiger's den to get it. This is a famous Chinese proverb which means nothing ventured and nothing gained. I remind him we don't really need to go that kind of route to reach the financial independence. He is actually making a long purchase on that particular game stock. That is alright with me.

與元兒續談股票投資／莊峻華

 與元兒續談股票投資／莊峻華

前日元兒拿筆記型電腦示我，其投資股票上揚七千美元，我不遐思索，要他馬上出售，先斬後奏，然後再問他甚麼一回事？原來他跟隨網路上之網友，參加一種壓榨炒短線者，他說有人因武漢肺炎，必迫使電玩公司倒閉，所以賭上短線，借證券行股票，先行賣出，待股價崩盤後，買進股票補上，賺取差額，這是股市上之短線操作，原理我很熟，但從來不曾如此買賣股票，我的投資都在基金，只留兩種股票，都不賺錢。因為元兒工作待遇低，而且一週工作僅三十小時，又是小夜班，不適合作如此投資，於是我繼續問他如何操作？投資多少？上此我阻止他買賣期貨，這次我正準備採取行動。

元兒一生都在電玩，日以繼夜，最近網路論壇中，有好事者喧嚷大量短線某電玩股票，引起注意，日本還是有很多電玩店，給這些宅男一出處，武漢肺炎後，電玩電想必受影響，所以該大亨想買空賣空，逼該電玩公司倒閉，短線大量賣出，元兒是反方向者，買進該被短線出售公司之股票，那七千元増值，據曰他僅三百元耳，三百也不錯，賺七千我就要干涉矣，賭太大。 

短線賣出，是向證券行借股票，有一定的規定，證券行是要有抵押，超過一個數目，就要補款，我再三問他的角色，他說是短線者之對立面，但不是期貨方式，因他遵守我的規定，不作期貨，我現在更規定，不能操作短線，我不容許拿我辛苦存下之贈款，拿來賭博，原來他是買下該電玩股票，是擁有權，輸掉僅是本錢，年輕人知道存錢不易，但又想一步登天，我們家另一女兒，㑹計出身，就沒有此問題，讓我煩惱。

My fond memory of Taiwan(2)/Carlos Pueblo

 My fond memory of Taiwan(2)/Carlos Pueblo

The U.S. is facing a tremendous economic challenge due to the Chinese Wuhan corona virus pandemic out break. It has been almost a year and there is no sign of controlling the out break; therefore, the new administration under the new President Biden would like to propose another fund to stimulate the economic to avoid the recession. Amy was watching Governor Cuomo's regular news report of the pandemic in the State of New York. He did mention his fond memory at his grandfather's grocery store credit system. The history will honor the senior Cuomo to generate two exceptional Governors Cuomo, Mario and Andrew, in the great state of New York. Senior Cuomo gave his needed customers some credit to live until their pay day to come. I also have had the same experience in my childhood. I was from a very humble credit receiving family of nine.

This was in 1958. One day my mother told me that we only had NT$10.00 a day to purchase the grocery. At that time, the exchange rate was 40:1 versus the U.S. dollar. That means a quarter a day. My dad's salary was about NT$800.00 a month and equal to US$20.00. So, it was very hard on all of us at that time. A kind of grocery store in our neighborhood gave us credit to live by. The situation had been on for most of my life until Yancy came to the United States and starting to send the US aid.

We were under a heavy pressure to be survival from the early of our life. We all studied very hard in order to get into a good school and find a job after graduation. Four of us made an ambitious choice to go abroad, the US, to find a better opportunity and we made it. The language which President Biden has describe is very familiar to me and lucky US citizen to have a nation with generosity. I say it would help not should help from the prospect of the poor family.

I like to describe that how my dad to get a constant loan from his old classmate to finance our tuitions to finish schools on another article. It is printed in my mind for life.

台灣之美憶（2）／莊峻華

 台灣之美憶（2）／莊峻華

最近每天與愛美討論美國政治，美國面臨空前武漢肺炎危機，新總統向國會提出振興經濟近兩兆美金計劃，愛美專門觀看紐約州柯莫州長之新聞報告節目，然後提到一件雜貨店賒欠之故事，引起我台灣之美憶，我到現在，仍是設法借錢，借錢周轉，借錢來變錢，無中生有，柯莫州長，提到其祖父，在紐約市經營雜貨店，讓人賒欠之故事，窮人需要這種幫助，其父瑪里奧老州長，和他兩人，均耳濡目染，都是好父母官，其祖父告示，社會上就是有人，無法跟上，可以讓他們賒欠，渡過一關，我聽聞後，甚為感動。

小時候家窮，先父在糖廠工作，微薄薪水，需要維持一家九口生計，十一歲時，鼓起勇氣，詢問先母一日買菜錢，她說是十元新台幣，就是當年美金二十五分錢，他的月薪是八百元新台幣，是1958年，我一生牢牢記箸，我們家米是足夠，買菜就是藝術，雜貨店讓我們賒欠，包括我在內，月底領薪水，先父去結帳，我一直甚為清楚，而且牢記先母教訓，沒有錢千萬莫結婚生子，讓妻子受苦。

我們住糖廠宿舍，水電免費，先父母重視子女學校教育，讓我們有機會接受大學教育，我要專欄描述先父學貸這一大工程。先說賒欠這一段，民主黨和經濟學者均認為需要急救，新任財長葉棱博士，就是帶領2009消條危機之功臣之一，拜登總統非常誠懇。

也是昨日，與元兒討論股票之短線交易，我了解他的股票買賣，還好我自修幾次證券執照考試，知道他在做甚麼？我們經過三代，已經脫離當年之經濟困境，回憶這一段人生，苦盡甘來，算是台灣之美憶，有意義之人生。

To have a job/Carlos Pueblo

 To have a job/Carlos Pueblo

In order to be surrival, we must have a job. It is my conclusion of my life for seventy some years. We go to school to learn almost everything to prepare for a job in the future. We find a job and working hard to keep that job. It is very essential in our life. With a job, we can generate an earned income to help ourselves and our family. We can reach our financial independence. It is a foundation of income without a doubt.

I was a trained chemist and with a chemist job for less than three years. I made it as an insurance agent for 20 years because that I had had a solid school education. Even though I had lost my insurance sales job after 20 years in business. I have managed without a job for twenty years. I still can keep my family expanse in order on the foundation which had powered me through those twenty years.

My son Arthur discusses his stock trade with me today. I understand what he is doing. He has a college degree yet still maintains a minimum wage job at a super market. We don't mind his minimum wage and figure a way to save money and invest. He stays at home and drives an old vehicle to work. He plays the computer game all the time. Today, he mentions the short squeezer to me. He points out how much he makes by that kind of trade. Lucky me that I know a little bit of such security trade business. I have learned such knowledge through four times self study to get a general security license, series seven.

With a constant job at hand, we can manage our finance, i.e. we can calculate and balance our income and expanse. We don't need to follow the outside points of view how to live our lives. I doubt very much that any of the government help can really help us to be rich. Many Republicans are resentful of the government hand out. I agree sometime with them. I believe that we must help ourselves first unless we are unfit to stay in this world. There is a limit of time for every one and we must take advantage of this opportunity to help ourselves to improve our own lives, to have a job first.

工作/莊峻華

 工作/莊峻華

想生存，必需工作，這是不變定律，我有很多時間，回想這一生，從考上台灣師大，當起師範生，開始領公費，一直到現在老年，都有收入，只是高低懸殊，都有工作，師範生需要讀書上課，當兵要出操送外島站衛兵，當助教亦需要幫助管理實驗室，一直到上班領薪水拿傭金等，都需要工作，換取收入，維持家庭費用，這是生存之道。

所以中國古代，儒家思想，崇尚教育，一直到現在皆然，華人和猶太人家庭，最重視子女教育，就是希望子女，習得一技之長，找到工作，有收入後，可以照顧家庭，有計劃佈置家庭。美國是一富裕之國，尋找工作，理應不難，但是我自己失業二十年，就是說沒有全職工作，雖然幾次嚐識改行，工作仍是不易，所以我就設法開源節流，不讓自己和家人吃苦。

美國也有許多可觀之窮人，很多落難街頭，無法享受難得之人生，國家能完全幫上忙？我非常懷疑，因為國家資源，來自稅收，而且資源分配順序有先後，美國基本上是富人掌權立法執法之國家，資源分配是富人優先，窮人墊後，這是事實，期待國家福利，無法至富，永遠停滯於貧窮階級，所以我有結論。

生存在美國，心存善念，台北市長柯醫生名言，但想法要像富人，始能了解美國稅法，對自己有利，小時候在學校，要努力讀書，美國讀書免費時間很長，不要浪費青春，長大後努力以赴，節約儲蓄，養成好習慣，財政要走上獨立自足，家人先幫助家人，比較有效率，等到國家福利金，真是夜長夢多。

拿社會福利金者，不能置產，不能有現金，就是框列在社會之無產階級，這是非常無尊嚴之一生，就是一生無望，若是天生有缺陷，我贊成國家要介入幫助，這是富國人道，但不能濫用，若勢國民在美國，應該是少數，在美國國民需要立志工作。

Monitoring the stock market in January/Carlos Pueblo

 Monitoring the stock market in January/Carlos Pueblo

Monitoring the stock market in January is a kind of indication of the year's up or down, i.e. if the market is up in January may carry the entire year to a up and vice versa. It is also true that there is a rally both in the summer and at the year end. In October, we expect a pull back of stock market. We keep our fingers closed now that there are only nine days left in January and the market is up temporary.

I have relied on the stock performance as my income for the past 20 years as I can't land it to a permanent job. If the market is up at the end of January, I shall have a peace of mind for that year. If it is not up in January, I would hope that the down turn is minimum. Fortunately, after the famous down turn in 2008, the market has been up continuously except a brief scare in March of 2020 due to the Chinese Wuhan Corona Virus pandemic out break.

I don't know the reason why the market is still on the up tick and I have no complain. I guess that the investors are betting the high tech industry will carry the rest up. New Biden administration is working hard to keep us away from the recession. I have the confidence in the Democrat and I have always voted for them. I believe that his appointees are more experience and most sincere to serve for the good of the nation. 

I have already had my strategy planned. I borrow money from credit cards to meet my annual expanse and pay them back within the term by my annual requirement minimum distribution. I expect my delaying withdraw will make up my 3% fee of the loan. If the market is up more than that amount, it will be my profit of the year.

元月觀察股市/莊峻華

 元月觀察股市/莊峻華

美國股市流傳一說法，元月股票之升降，可以判斷一年之股市，也提醒夏天和年底，股市將上揚，我們投資儲蓄者，均注意到此現像，今年美國政局變天，拜登總統任命之內閣，均是一時俊秀，誠懇又有政府執政經驗，顯然能穩定股市，其實自十一年前消條以來，美國股市一直上昇，只在去年三月斷過一次，現在又回昇幾個月，拜登聘請葉稜博士回鍋，決心明確，她是國家經濟學者，又有實務經驗，嫁給一諾貝爾獎得主，兒子也是經濟專門，她說股市將決定美元幣值，美元之強勢與否。

我比較注意家庭經濟，我是一家之主，負責家政收入和支出，不容許家政潰乏，我一生體會之道理，非常簡單，就是要量入為出，節約儲蓄，所以家政越來越好。去年因為武漢肺炎，股市一度崩盤，如今肺炎肆虐未解，失業率回升，百業廢舉，股市卻又回升，無人敢解釋其因，我觀看投資者，注意高科技，期待高科技帶動美國新經濟。

我的石油股和汽車股，去年大壓抑，今年稍有轉機，沙烏地減產石油，汽車銷售量未増，我猜是美金貶值，波動股價，元月兩股均揚，是好預照，我想通所領之退休金，均在股息範圍，本股雖跌價，股數不變，有待一日。

美國確是一理想國，提供穩定政局，穩定股市，讓國民節約儲蓄有路，讓勵志者，改變社會階級，我深信我比先父安逸，我的子女比我好，其實社會上之弱勢，美國政府也設法幫助，主要是民主黨執政者，我們要先想辦法立足社會，循序漸進，要努力讀書，習得一技之長，努力工作，儲蓄股資，股市有難想像之好處。

The power play of the stock market/Carlos Pueblo

 The power play of the stock market/Carlos Pueblo

There is a sign of the power play of the stock market now. The Democrat administration take over the White House and the congress. They are going to do something different from the previous Republican administration. I make a bet on the continuation of the stock rally even though I have had a doubt of the business environment during the Chinese Wuhan corona virus pandemic. Basically, the U.S. is not in full speed.

President Biden will like to speed up the recovery plan to help to control the pandemic. First by accelerate the distribution of the vaccine and then, attempt to reopen the school and gradually reopen to all business activity safely. I watch his key nominees and first section of five ministers hearing and I believe that he and his appointees are all very sincere with experiences.

Wall street is betting on the power play. What is the power play? I learn it from watching the ice hockey game. When there is a penalty and is short of a player, the entire team pushes the offensive attack with all players out to the front. Only the goal keeper leaves behind. The pandemic has weaken our economic and we must maximize our effort. Once the U.S. makes the recovery, the rest of the world will have the hope to recover. I bet on the future success; therefore, I borrow some cash to make my power play to delay my annual RMD, the requirement minimum distribution, for nine months to pay back loans.

股市集中攻勢/莊峻華

 股市集中攻勢/莊峻華

明日美國新總統上任，新政行將引起股市集中攻勢，我已經做好準備，向幾家信用卡借貸現金，分贈家人投資股市，分享此難得機會，我的費用是百分之三借款手續費，九個月內還清債務，我在這段時間內，領出年度必領退休金來還債，若股市跌價，我的損失有限，這就是我的變錢，和道家所謂之無中生有。

拜登已經說明他的施政方向，他聘請的內閣，都是民主黨內精英，誠懇有經驗，顯然不會有意外，美國將歸正常之民主黨操作，不會有意外，我們投資者，這時候就要立下判斷，我因為年邁，所以將投資機會，轉讓給年輕之家人。

集中攻勢，是冰場曲棍球之術語，有被罰出場隊友後，全隊集中攻勢，不留後衛，全部上陣攻擊，得分勢在必得，美國受中國武漢肺炎肆虐，百業消條，束手無策，國家印鈔票幾次，圖挽救頹勢，孤注一擲，不讓經濟崩潰，我固知其厲害也，我也在下賭注，不入虎穴，焉得虎子？

My fond memory of Taiwan/Carlos Pueblo

 My fond memory of Taiwan/Carlos Pueblo

There are two tennis bodies in our group every week have provided new tennis balls when we meet. Tony and Roger of our old Memorial Glen tennis group. I have paid attention to such a small detail of the behavior of a person. Both of them are very generous and considerate. Tony even provides the Taiwanese drinks for our oriental group. Finally, I mention some fond memory of Taiwan, the hospitality of regular people in that island who are so generous to the other. I mention a kind of religious feast in Taiwan which we call it Bye-Bye after a celebration of worship to a local god's birthday. In the orient, the god or the Buddha are people not almighty as the western God. We prepare a better menu to celebrate their birthdays and enjoy the food thereafter.

When I was a freshman at the college, one of our classmate invited us to her house at Taoyuan current day TPE international airport area. She was very sincere and understood her classmates were all from very humble background. We made it to a teachers' university with the help of the government to get a degree and promised to teach at the middle school in return after the graduation. However, our treatment was far behind for those in the military academy. Very often our diet was luck of the protein. Her invitation was very attractive to me at least. At that time, I had had a hard time to gather a round trip tickets to her house. One of our classmates mentioned that to save the cost of tickets could buy a big ball of beef noodle. We didn't go to that feast that weekend. After my first year teaching service, I came up to Taipei to teach and to prepare to study abroad. I ran into her again at a middle school. I mentioned her kind invitation. She was a registrar at that school.

Right after I returned from the frontier in 1973, I taught at a senior high school at my home town Huwei, Taiwan. I was on a training of the folk dancing for the students extracurricular activities. I ran into this pretty young girl from nearby Lumbei. She invited everybody to her house for the Bye-bye feast to celebrate one of the birthday of a local god. I managed to take a local train of transporting the sugar cane to reach to her house and surprised her. I had had a feast and a good time. That was a long time ago almost half a century and I was young and ambitious. I wanted to go abroad to leave that island.

I don't believe that they were rich in any way to measure it; however, they loved guests and liked to treat them at the feast. For me, it is forever to be a fond memory of such custom. I know that I don't like the Nationalist government, yet I do like my fellow Taiwanese. It is a different story to live in the United States, we don't have this kind of exposure to invite friends to our home for dinner because that there is only one God to celebrate his birthday.

台灣之美憶/莊峻華

 台灣之美憶/莊峻華

網球局中，一位球伴，屢次提供新球，提供冬瓜茶，仙草茶，非常慷慨，他是位退而未休之眼鏡師，就是生意已出售，新店主人生產，請他繼續幫忙，當然，他之實力尚在，幾十年老字號客戶，我和他打球二十年，他退休前，常贈我台北之生計月餅，生計麵包店，在羅斯福路，離師大近，我們化學系外省同學，喜歡到生計喝咖啡，吸煙，假裝讀莫理森包艾之有機化學。

我讚揚東尼君之好客，他也請球友飯局過，而且是闔府均邀請，我提到台灣民間拜拜之盛事，其實小金門烈嶼也類似，我提兩件美憶。一是大一時，班上一位師範生，桃圓大溪裏拜拜，她甚體念外出同學，邀請我們吃拜拜，大溪就是現在桃圓機場附近，我當時頗為心動，蓋我出身寒門，蛋白質不夠，拜拜裏常有大魚大肉，剛好打一頓牙祭，後來一女同學精算，若省下車費，在龍泉街，也可吃一大碗山東牛肉麵，又可已省下時間溫習功課。後來，當兵回來第二年，到新店教書，準備就近台北，辦理來美國留學，這位溫老師，剛好在該校當注冊組長，我還記得當年美憶。

第二件吃拜拜事，是在當兵回來那年，參加救國團土風舞講習，認識一位崙背鄉姑娘，她也好意邀請我們吃拜拜，因她長得可愛，我臨時想念，搭小火車到崙背，摸到她家，令她驚訝不已，我忘記吃些甚麼，總是非常感謝這一頓飯。

台灣吃拜拜免費，但需回請拜拜，貧窮如寒舍，則不敢跟進，我們在家裏少許準備一些魚肉祭祀，然後充當加菜，有婚喪喜慶，需要包紅白包，始可跟進大宴席，美國好像不流行此風尚，吃得很簡單，而且非常小心膽固醇。

How do I enjoy my senior life/Carlos Pueblo

 How do I enjoy my senior life/Carlos Pueblo

Enjoying a life is an art, is the Buddhism. Even though the Current Buddha mentions of the eight suffering yet he encourages that we live in a meaningful life during our life time in this world. Our body is a loan from the world, heaven, or nature. One day we need to return the debt, our body, the debtor when we die. I get this all figure out and I know that I am not forever. I must learn how to enjoy my life with a limited life left.

First of all, I am just a regular person with very limited thought of desire. It is very easy to enjoy my senior life after all. I have had a daily schedule to follow. I walk and play tennis very early in the morning. I go to sleep very early in the evening and relaxing in between.

What do I do in between? I rest after the morning exercises by taking nap after the breakfast to recuperate my tired old body. I watch the news, stock index report, monitoring numbers on my blog, and the video on the You Tube, etc. I also manage to cook my dinner. 

I wake up more than one time at night for the toilet. I take advantage of this break to watch the news again to see what happen with the U.S. politic. I also write my blog.

Every day, I learn something new and response it by changing my priority of my daily life. For example, I overheard a story of inherit tax and start my gift to family members and make them very happy. I learn the cost of electricity for a LED light to light a tennis court a night. The U.S. is a wonderful nation which people have the opportunity to enjoy their senior life.

享受人生樂趣/莊峻華

 享受人生樂趣/莊峻華

享受人生樂趣，就是把握現在，過一有意義之生活，這是佛家之理想，一日在先母之告別式，一位玉佛寺熱心人士，提醒我一佛家看法，就是人之軀體是上天借貸給人，死後需要還給上天，佛家鼓勵火葬，從西藏到東南亞，凡是有墓地者，都是外來者，人就是要善用這有限之人生，先照顧自己，再幫助家人，然後行有餘力，則以學文。

我常相信我已經生活在天堂，美國在我有限知識中，已經是一理想國家，美國之政治制度，生活環境，工作機會，已經令我十分滿意，我曾在台灣生活近二十八年，當年完全是在蔣介石王朝統治下，幾乎窒息，再三努力奮鬥，過關斬將，始能離開台灣，移民美國，因此我把握箸每一機會，設法在美國好好生存下來。

現在我的子女，均已成年，都在工作，雖未成家生子，但也非我之遺憾，沒有子孫者，並非鮮有，這是我們之無因緣，我毫無作用力，我只待子女幸福快樂，與我相似，善用這有限之人生，了解和解決人生之痛苦。

每天清晨網球後，就是一日休閒輕鬆生活的開始，我與外界隔離曰，自我放逐多年，過去我還工作，需要面對社會大衆，現在就像消失於社會中，我的生活圈，只在方圓一兩哩內，偶而開車買菜，買巧克力，也看不下書，觀看美國新聞，中國和越南農村生活，我在家烹煮兩餐，吃的也是簡單之食譜，最近天天吃牛排。

我的支出固定而有限，所以甚易估計儲蓄夠不夠一生支出，這就可以省去許多憂慮，隨遇而安，中國武漢肺炎肆虐，改變我的旅行嗜好，節省下來之錢，我就分贈親人，我高興他們也高興。推廣老人網球運動，現在我每天清晨，都可以打網球，就像舊日虎尾士紳一般，享受如此運動生活，剛好我有此機會。

More about our tennis 2021/Carlos Pueblo

 More about our tennis 2021/Carlos Pueblo

Three nights ago, we couldn't turn on the court light for our regular tennis meet. I went back to check it again on the following night and was the same. Our group make a change of our two nights schedule to play early in the morning to fill up the gap. My goal of playing tennis every morning has been made just like the old way at my home town Huwei in the central south part of Taiwan.

Now, folks are playing tennis at the red clay courts at the local senior high schools and an abandon residential subdivision of the old sugar factory complex where I was grown up. People are paying more attention to tennis in that part of the world. I see the same scenery in Japan. Japanese left the daily tennis exercises in Taiwan after their 50 years rule between 1895-1945. Due to lack of the leather ball, they have developed the rubber ball type of tennis which we call it the soft ball tennis or Japanese tennis in distinguish from the regular tennis or we call it the hard ball tennis. Back that time, the racket was made of the bamboo. I learned my Japanese tennis when I was at the teens on the street, I therefore have had no proper grit of the racket and play very funny when I have converted to the regular tennis in the U.S. I slice the ball all the time. American old timers call it the trash ball. It works and I can still maintain my interest in the sport. I think that my level is between 3.5 to 4.0 sometime according to the USTA. I can do the overhead at the mid of the court.

I encourage every one to play in the morning because the air is fresh and force us to get up early and sleep early. It is good for the old man that we have the exercises daily even if it is only a brief one hour a day. Playing tennis can also make us to balance our feet to avoid the fall. We don't have to chase the ball every time just put up our effort sometime when it is approachable.

Most of the house wives agree with me. They even send out e-mails or lines for groups to manage our tennis schedules. It is their best interest to keep their husbands in good health condition.

再談網球局2021/莊峻華

 再談網球局2021/莊峻華

前夜網球局，球場燈不亮，引起我猜測，昨夜我再赴球場。燈仍舊不亮，因此我們需要結束兩夜網球局，我想這是住家理事會之決定，為節省電費，我甚無怨，蓋整個社區，僅有極少數人，使用此設備，去年砍掉夾竹桃籬，我想是為安全故，可讓球場一目了然。我的雙打隊友，都來自社區外居民，沒有理由要求甚麼，於是我們設法，將兩局夜間網球，移到白日清晨，這也是我的理想，清晨空氣比夜間好。

網球運動，需要一些背景，就是過去曾經打過網球，現在願意投資時間打，許多鄰居，尤其是女鄰居，羨慕我還能打網球，她們推薦幾位老人，但都因緣不足，並且叮嚀避免跌倒，打網球有助於身體平衡，而且可以鍛鍊心平氣和，設法處理不滿情蓄，例如同伴吊兒郎當，無甚用力。

日本人在台灣，統治五十年，培養台灣人清晨打網球，而且崇尚各種西式運動，像棒球，網球，和運動會等，中國人戰後統治台灣，則無此習慣，我是戰後出生，又在埔里住十年，尚可目睹一些日本學校運動會活動，到了虎尾和以後之台北等，均無運動會經驗，回台灣旅行，在虎中網球場，清晨看到網球局，始回憶過去觀看地方士紳之，清晨網球習慣，我老年後發心，決定推廣社區網球，我現在有過一組兩年輕夫妻，開始雙打網球。

網球帶來許多過去之美憶，我的球伴，一位醫生，五十二歲，棄籃球改打網球，我鼓勵他張澄治之故事，張是台灣空軍虎風隊，籃球國手，籃球退休後，改打網球，在我們土庫教書，他和一位台大化工廖正雄搭檔，稱霸台灣軟網多年，廖現在住在休士頓，也是我們雲林小同鄉，張曾鼓勵我的義母裴玉梅大夫，到糖廠球場，和街上醫生們打網球，裴是張小孩之兒科醫生，當年我在虎中教書。

How and what do I get from playing the senior tennis?/Carlos Pueblo

 How and what do I get from playing the senior tennis?/Carlos Pueblo

Since the beginning of 2020, I have had very much exercises by playing tennis with the old people. These are people who are playing with me for a long time and just happen that I do have solved their tennis court issue. I apply a key to our court and receive one. Fortunately, there are few neighbors to play tennis. It takes a while for people to enjoy playing tennis plus we must have a plenty of free time.

The joy of playing tennis is the rally, the volley, the overhead, and chasing the incoming ball, etc. During the process of playing tennis, we receive very much exercises and also keep the balance of our old body. We always want to avoid the fall. Now, I have three groups to play at our single court in a week. They all like to exercises and keep a good health; however, there are still some issues to solve, i.e. we are at a different level of skill and we all have had opinions and attitude toward this sport. Different effort shown while playing the game can be a result of a good tennis or not. I have had two different players on two different groups are always hit out, or hit to the net, or miss the on coming ball, etc. Therefore, the rally is ended.

I openly say that I don't want to be his partner and be with another partner. When we play each other, I have avoided to play the ball directly to him by loving the ball to his partner. This way we can have a longer rally and when I am forced to play to him would be if I am jammed or not playing in control. Amazingly the strategy works, both of them seemed to engage more and show an effort to the game.

This is my problem because I like to win the game. Playing tennis with the older people can help me to achieve such goal to win the game. It is much more difficult to be a winner nowadays in the real world. If I lose a game, I would plan a different strategy to play on the next time. Some time it works and some time it won't work. At least, I get the exercises and it is a good hobby to play tennis at the old age.

老人網球局/莊峻華

 老人網球局/莊峻華

冬天偶爾寒冷，老人網球局，是有困難，但是時間飛馳，老人打網球，日子好過，一週過一週，有時候遇上時雨，就得暫停，我們有三組雙打局，兩組老人，一組新手，我幫他們組成，因此我一週打七次網球，非常滿意，運動充份，飲食睡眠都充足。

我的擊球姿勢不是正統，因此，我剛好適應老人網球，等候對手失誤，我設法將來球擊回，我形容是羅曼蒂克，像談情說愛似的，或是仰賴隊友得分，一局下來，已經是滿身熱汗，因為血糖不夠，因此準備巧克力糖，隨時含在口中。

隊友中並非每人打球，都是兢兢業業，偶爾有吊兒郎當者，擊球失誤屢屢，甚殺風景，也打不到網球樂趣，過去我常不滿，但球伴難覓，現在我發現一妙計，就是不與此人同伴，改成對手，擊球錯過其方向，只和其伴交往，如此，可有較多網球來往，不會一擊球就結束。

參加之老人，均重視如此運動，因此我耽心武漢肺炎過後，我如何安排我的長途旅行？一離開就是一個月，同伴們將有一個月中斷網球局。

The U.S. Medicare/Carlos Pueblo

 The U.S. Medicare/Carlos Pueblo

One of the new Biden's minister from California indicates that he is going to do something about the health care business likes his mentor who help Lynden Johnson to establish the Medicare and Medicaid. The Medicare is similar to the Social Security which is a kind of welfare program for the U.S. workers. Of course, we do pay tax to fund the programs yet it is not enough to cover the coast, yet it provides a peace of mind for the elder retirees.

The medical cost is very uncertain in this country. Most of physicians are millionaires and ask more for their services because that it is hard to get into the medical school. They certainly deserve higher pay. I had had 11 years of no insurance coverage due to the lost of my insurance sales job contract. I had tried many times to find the coverage yet in vain. Finally, I reach age 65 to have the Medicare. I am more released in my mind after the Medicare coverage. I travel around the world with $50,000 emergency coverage to come back home for treatment of unlimited. That is plenty enough.

Biden has some experience with the Obama care; therefore, I believe that he will improve the health coverage for the entire nation. The Medicare age requirement maybe lower to age 60, a original proposal from senator Amy Klobuchar. It is a nice policy to help at least the group from age 60-65. It is like the Obama care to extend the Medicaid by increase the poverty level to qualify the eligibility. The Obama care also help some lower income citizen to pay the insurance premium. These are all social welfare program to help certain citizen to get a better life. Isn't it the main purpose of the government?

The longer I live in this nation, the better I understand the advantage to work. We must work in order to get a piece of the big pie, the social security, the Medicare and the pensions to defer income tax, etc. Only we help ourselves, then we can expect to have the help from the government. I don't believe that the government can help us to get rich. Only workers can help the government strong.

美國的老人健保/莊峻華

 美國的老人健保/莊峻華

另外一件美國德政，就是老人健康保險，和社會安全福利金一樣，都是民主黨總統任內之德政，貧民健康保險，也是詹森總統簽署，歐巴瑪健保，也是貧民健保之延伸，都是社會福利制度，就是國家財力來保證，一部分國民之健康保險，還有幼童健保，人口一億以上之國，維持這種制度不易，歐盟國家人口，都在一億以下。

自從65歲後，我就開始有老人健保，結束11年失業後，無健保之生活，因我有糖尿病痼疾，私人保險費昂貴，這11年生活不甚穩定，戰戰兢兢，一直到65歲，有了老人健保後，看病較方便，甚至服藥都免費，我的新問題是牙齒，牙齒不在老人健保範圍內，我是落牙，可以回台灣整治，但現遭中國武漢肺炎肆虐，行動不便，無法成行，只好忍耐。

新任拜登總統，有決心改善，美國老人健保，他任命之衛生社會福利部長，年輕時代，曾在詹森白宮內閣實習，眼見老人健保和貧民健保成型，若是依照明尼斯達郭伯超參議員政見，年紀降低五年，就是60歲開始老人健保，也是一德政，一大功德。

鼓勵國民長期工作，優待顧主提供員工健保之稅務，讓全民易取基本健保，是正確之方向，民間保險公司，均積極搶老人健保客戶，表示有利可圖，國民努力工作一生，可以期待有穩定健康保險保護之一日。

The good policy about the social security system/Carlos Pueblo

 The good policy about the social security system/Carlos Pueblo

The worker in the United States can withdraw the social security payment started at age 62 with a discount of the full annuity type of payment at whatever age it is as defined by the federal government. I have started the withdraw at 62 according to my need. I have been functional unemployed since 2001. This discount annuity has become my major source income to stabilize my cash balance. I believe that the social security system is a good policy. Based on my insurance sales knowledge, I don't believe it makes sense of the actuarial statistic; however, it works and becomes one of the stabilized force of the American society. The system has had the back up of the U.S. Treasury and I believe that is a welfare of the American workers.

I have worked for 22 years with an earned income to meet the basic requirement to receive the social security payment. I kind of doubt that I have paid enough to receive such payment with what I have paid for the tax; however lucky I am that I am still receiving the payment. First, the current workers make the payment to me with a back up from the U.S. government on the second. This is similar to the welfare payment to the citizen in poverty and tax cut to the rich and corporations. As long as we are prosperous and the U.S. economic is booming. It is an advantage to be an efficient nation and the benefit to be a nation.

We need to live longer in our life in order to get our money back, I mean what we pay through our pay check on the social security tax; therefore, we must be healthy and live longer to receive more of the payment. It is much easier to make our financial arrangement after we receive the social security payment. We can calculate how much more of our pension saving to withdraw to make up our regular expanse. The figure for myself is very constant in my life. I am very frugal and very proud of it.

I have taken the full advantage of such a nice environment to reach the financial independence. I have not been allowed to receive any of the unemployment because I am a commission based worker. There is no way to figure out how much to pay me for not working. Secondly, I have been terminated by companies not like the laid off or something like that. The law has no sympathy on me yet I have no complain. The social security payment is really a big help to me.

I am very appreciated to this policy as well as the Medicare. I adore the systems which make my senior life happier.

美國之社會福利制度/莊峻華

 美國之社會福利制度/莊峻華

美國工作者，需繳社會安全稅，有很多福利，按照保險精算估計，不足負擔，而且稅收入，只准投資聯邦公債，或無息借給聯邦政府周轉，有些保守派，耽憂安全基金將破產，年輕人，包括我們家琳兒，非常悲觀，到時候領不到錢，就像美國國債一般之壓力，我觀察研究政治經濟一生，果然頓悟，此非我需要煩惱者也，就是繼續領錢，國家可以處理，這也是社會安全保險年金，漢譯為社會福利金之原因。

錢不夠，國家要負擔不夠部分，這就是獨立國家之好處，無能者就選不上總統，所以這是一種給社會上有工作者之福利，退休後有一固定之收入，而且有美國財政部長之保證，這和貧民救濟金福利一樣，就是造福工作者，一般上策，就是年輕時認真工作，認真運動，鍛鍊身體，領最多最長福利金，一位醫生球友，夫妻一個月領四千美元，令我羨慕不已，他為人慷慨，打球出新球，甚至提供鮮草冬瓜茶。

有了社會福利金，自動就有老人健康保險，老人生活開始有保護，新的拜登政府社會部長，提到他年輕時代，曾在詹森總統任內社會部長任內見習，詹森簽署老人健保法，老羅斯福立社會福利金制度，歐巴瑪之歐巴瑪健保法，克林頓之大學生補助金等，都是不同程式之社會福利補助，就像發動戰爭，補助軍火商國防企業，減低高收入者稅率，幫助富人一般者，是執政者政策之優先順序。

當美國人，需要了解美國之社會制度，切莫置之不理，昨日我和琳兒通話，告知我將贈送她十年領出之退休金，她非常高興，而且又免費贈語，這是我從小教她之策略，就是提早準備，提早安排家政，量入為出，節約儲蓄，我贈這混好女兒錢之，世俗憂慮，一掃而空。

Borrow money from credit cards/Carlos Pueblo

 Borrow money from credit cards/Carlos Pueblo

At the first day of the year 2021, I borrow money from two of my credit cards from the same bank. I receive the fund on the fifth day of January via three holidays. It is amazing for the speed of the loan. On the sixth day, I am invited to get another loan from a soliciting bank offering me to get a credit card loan. I apply the card following their instruction on the letter and get it done and approved in 3 minutes. Once I receive the new card, I can get the loan immediately. Amy asks me whether I need to get such loans. This is the art of managing money in my life. 

When Michelle was at the business graduate study, she asked me some questions about money, finance, and security laws; therefore, I realized the security 7 license and practice was really a graduate level of study. I borrow money not because of needs because that I save money all the time and live within my means. I explain my theory to Amy that I borrow the money to buy my time to hold my requirement minimum distribution fund a little bit longer before taking out from my pension. I bet on that the market will grow a little bit better than my fee. It is not much of a gain yet a gain is a gain in life. I pay back the loan before it jumps to 16.99% interest rate. I withdraw my RMD to meet my annual expanse during a better time of the loan period. I make the selection and control of the money not the other way around.

I have been out of a major contract of job since 2001. Even though I did attempted to go back to work in vain. Thanks to my regular savings and hold the previous investment, I have passed through the hard time without a major earned income. I can afford the loss of borrowing fees to credit card loans and I am teaching Arthur how to manage his money. I tell him that there is no need to worry about his minimum wage job. As long as we work, save, and invest, we can reach the financial independence. As a matter of fact, last year his investment income was passing his earned income.

向信用卡借錢/莊峻華

 向信用卡借錢/莊峻華

去年底，一家信用卡銀行，寄來兩張廣告貸款，我對此廣告，有二十餘年經驗，剛開始撕碎兩信，丟棄垃圾桶，晚上睡覺，又起來將兩信兌齊，發現有商機，翌晨，電話給銀行，申請貸款，小姐問明本意後，十分鐘內批准，這是年初一，初五查我銀行帳號，借款已經轉入，初二與初三，剛好是週末，銀行真有效率，初六，又有一家信用卡，邀請申請，也提供貸款，我又有興趣，在網路上申請，約是三分鐘內批准，新卡將寄來，我可以申請貸款，將錢轉到我帳戶，當年度周轉金，這些短期貸款，需付百分之三手續費，我又不需貸款，又何必多此一舉，當然我不是同情銀行錢太多，需要商機，放款取息。

我以前就學會借錢，借錢來周轉，美國銀行，很有效率，尤其信用卡，逾時無法還清，就是高利貸利息，所以借來之錢不能用，只能放在活期存款好看，我的目標是股票儲蓄，得有稍長時間成長，銀行資訊互通，互相取得好客戶資料，放出貸款，取得一些手續費，其實手續費比年利率3%稍高，因為平常每月需準時繳最低費用，因此本金是越來越少，雖然不甚顯箸之減少，到期我就將活期還清借款，銀行無呆帳，我也有好信用，有借有還，再借不難。

只要我的投資儲蓄，増值3%，將退休金賣出，我就平手，但若高於此數目，我就有蠅頭毛利，過去無手續費，我就放在銀行定期，也算好有蠅頭毛利，錢轉來轉去，都是一場空。

剛才，我聽拜登總統當選人，介紹內閣部長，提到國民經濟窘狀，無法還貸款，這是我的看法，要先有工作，量入為出，節約儲蓄，控制金錢，而非反是，成長時間越長，越能看出效果。美國人很會做生意，去年，我貸款給琳兒購屋，交接公司將資料賣出，幾家貸款公司，一直前來收購貸款，就是折扣買下，非常有趣。

How I want to manage my money in 2021/Carlos Pueblo

 How I want to manage my money in 2021/Carlos Pueblo

At the end of last year, I received two credit cards of the same bank to offer me the promotional rate with a fee for nine months. I called the bank on the new year day and received the fund this money. How I want to manage my money this year? It is very interesting.

I am going to use this fund of about $30,000 plus money as my reserve in a bank for use in 2021. I receive some monthly payments from the social security, a mortgage payment, a small defined benefit payment, and a residual insurance commission which are enough for me to pay some basic expanse. I do have the requirement minimum distribution to withdraw to pay some expanse like taxes, insurance, and vehicle maintenance, etc. The way to do it is usually taking the money out of my retirement accounts by selling the stocks and funds. This year, I am going to take a chance in nine months period of time to find a better time for me to sell. I may loose the fee from the credit cards which is alright because I have already had a mortgage interest earned.

The benefit of getting such credit cards loan is that I can have extra time to see the market to go up. It may go down and I am fully aware. I like to gamble this way. I am very good at the number. In this way, you can see that I always have the debt covered as my reserved to pay the debt at the end of the term.

You're lucky to read this article. It might help you to accumulate the capital. I have explained several times on my blog for the past. You may find them.

財務管理/莊峻華

 財務管理/莊峻華

每年底，我開始準備年初領退休金，先是查看年度最低領初額，然後大略估計，是否足夠一年支出，如此已經與財務相安多年，我的收入幾近固定，支出亦然，但是去年較為節省，因為中國武漢肺炎肆虐，禁閉在家，沒有國內外旅行支出，省下來之錢，準備贈與兩子女。

我的退休金有年金和個人退休計劃，年金主要是社會安全金，有一小筆公司之定義型福利，去年再加一筆房屋貸款收入，個人退休計劃領款，從七十歲開始領，就是當年領去年底帳戶總值除於國稅局壽命指數額，像今年我需除24.5，就是我再活該數目年，現在我開始要贈與證券，給與子女，甚麼時候轉移？我有九個月時間安排，因為年初一，我向兩信用卡，借三萬餘現金周轉，我在開始變錢，無中生有。

這三萬餘貸款，今年九月需還清，因此不能隨便支出，我將年度必領帳戶，分成兩類，目前是贈與股票部分，另外一種是兌現部分，領出使用，就是幫助九月還清到期貸款，我一樣有九個月時間，信用卡很喜歡貸款給我，我向信用卡貸款多年，就是要變錢，不是花錢，錢是借來的，股票基金和薪水等，才是賺來的，借錢一定要還，這是基本道德。

股市會狂飆，也會崩盤，我都在賭，像是賭場一般，我們鼓勵節約儲蓄和投資，都是為將來財務獨立，無需怨天尤人。

The annual gift limit/Carlos Pueblo

 The annual gift limit/Carlos Pueblo

There is an inherit tax in the Federal level as well as in the state level. This is why I consider to give annually to the annual limit currently $15,000 each to my children. If I am healthy, I can manage the amount of money which I have saved now to die without paying too much of the inherit tax. Isn't is very ideal? I don't earn and save money that easy at all.

I may need extra fund to use when I run into the healthy issue later in my life. I must take that chance like that I bet some in my life. If I give my children earlier, they may consider to help me if they still are able. I don't think that the governments will help me at all.

Secondly, I can give them those currently depressed stocks for them to keep because that they are younger and can wait to the recover time. My life span is much shorter and I don't have any life insurance. I only carried the insurance when my children were young and needed my coverage.

Thirdly, Both of my children have a steady job and very faithfully worked on one job for more than ten years. They live in a simple life and save money. The gift shall not change their status, yet will remind them how much I love them realistically. I don't have the habit to give to non-related person; however, one day they may get the opportunity to give to other freely without restraint like their father.

年度贈與額/莊峻華

 年度贈與額/莊峻華

今年，我要開始恢復贈與，因為我較有自信，而且年紀漸大，我不喜歡措手不及。我計劃先贈元兒年度個人退休計劃額，六千元現金，另外再贈證券補足到年度贈與總額，一萬五千元，同時，也將贈與琳兒同額證券，我估計十年總贈與額，遠差一生總額近一千兩百萬太遠，甚至包括過去幾千元之，幼童贈與法，比較上，我不能稱之富人，但提早贈與，可以保護辛苦存來之積蓄，免於遺產稅之威脅。

贈與證券，先贈跌價股票，因為子女有較長時間等候，這兩種股票，均在稅前退休金帳戶，過去我均忍痛領出，現在贈較多股給子女，讓他們有待一日。我已經借到九個月之信用卡貸款，只要我天天散步，打網球，吃廣告牛排等，避免生病，讓證券退休金漲價，我是無慮矣。

我觀看元兒，認真工作，無怨嘆最低工資待遇，因為過去之幼童贈與，和他工作後之儲蓄，發揮作用，現在工作十四年，去年儲蓄投資收入，超過其年收入，這是教科書之見證，我們都有十足信心，這是有意義之人生。

琳兒成功，工作事業順利，比我更有錢，但她仍是愛女，這些小錢，對她也有功用，她可以做更好之運用。

我在台灣有位大姊，來美時幫忙兩百五美金，還錢支票均不兌現，我回台灣做假牙，要領新台幣還債加贈與。

Taking three darling dogs to walk/Carlos Pueblo

 Taking three darling dogs to walk/Carlos Pueblo

We're house sitting in Austin for a family with three dogs and two cats for the end four days of 2020. We have done this before; therefore, three dogs have expected us to take them to walk. The owner has made two forms to introduce these five pets to us including a new sitter. It is because that the regular sitter needs to visit her son for this break and that's why we are in for part of the time. Dogs' name are Brinkley, Gryphon, and Honey. Cats are Guenther and Olive. It is nice to have such sheets in order to call them correctly and talk to them.

I am a dog whisperer and I arrange the way for us to walk them separately. I walk Brinkley alone because he is the largest in size and powerful. Amy would walk both Honey and Gryphon because they are a bit smaller. If we walk them together, it would be very difficult to break them apart. It is a theory of the dog pact like the wolf. After I walk away from Amy, the big dog is getting settle to walk with me. Amy tells me that Honey lead the way and Gryphon just follows. Usually Honey doesn't want to come back in to the inside that I think she doesn't have enough exercises. We walk them three time a day about two and half hours in total time.

On the third day, I switch our dogs around. I walk with Honey and Gryphon because I like Honey's energy. I take Gryphon and her to walk my regular route of four large streets back. Both of them are doing very well without sniffing stops. Honey always leads the way by pulling me and Gryphon. After the first walk back home, I take Brinkley and Honey together for another walk. Honey is like the boxer Joe Fraser while Brinkley becomes Mohammad Ali just dancing around. I am so happy that I can make it because that I do have such experience for walk regularly. After walk, all three dogs are very settle in the house. They sleep on the floor most of the time.

It was raining on the last two days. We walked before the rain on the first day and I walked outside for them to take poo. It didn't work that way. Amy blames me to risk them to catch cold. She dried them with towels and washed them before we left.

攜愛犬行軍/莊峻華

 攜愛犬行軍/莊峻華

日前，奉召赴奧斯汀，攜愛犬行軍，愛犬主人臨時找人照顧有困難，聞我愛犬為友，又喜散步，正好差事，我們抵達時，已是午後，愛美將三犬，從浴室釋放，犬識我們，甚是歡喜，我們將圈繫頸，分別牽出屋外，按照過去之經驗，我攜大犬單行，愛美攜雙犬他行，避免三犬同行為伍，產生困難，蓋犬聚為伍，糾纏密甚難解，我先行一方向，布吝克利尚在掙扎，待不見雙夥伴後，已心甘情願，容易控制行軍，走過一段路後，我轉向另一街，這時候，他已經完成一日大便程序，我將糞包投入街道專用箱。

第二街與首街平行，首街名曰聖約翰，次街曰卡倫，我就在兩街底兩垂直馬路間，一曰地球路，另曰哈迪路，其間尚有幾平行街道，這是一古社區，興建於1953年，幾乎都是木製住屋，冬日草木凋零，沒有春夏之活氣。我約是來回兩街，愛犬已識途返家，愛美尚未回來，我先將行李稍將安置，試用攜來手提電腦，和兩手機，結果手提電腦，不能完全充電，兩手機則可適應新環境。

愛美攜雙犬回來曰，漢妮尚不願回來，另犬哥利風較老，一路毫無牽扯，三犬回家後，均倒地休息，顯然很久未有機會成行，難怪知道新訪客。愛美每日都按照屋主指示，餵食三愛犬，還有兩隻愛貓，官瑟和奧莉，愛貓則甚易照顧，只要將馬桶蓋上，不容飲馬桶水即行，每天早晚餵食，愛犬需要放風幾次，愛犬有趣，需要會前來要求。

當夜，我更加有把握，將途境増加，包括更遠，大約是兩小時，這已經是首日第三次，愛犬們已經有足夠之一日活動，我相信我自己已達休市晨步路程。翌日，仍舊是早午晚三次行軍，我已經有足夠之把握，於是與愛美交換，改成我攜雙犬行軍，於是我發現這漢妮體健，甚具活力，於是我在走過一次後，再將漢妮和大犬同行，漢妮仍是主導，一路健行如飛，令我想起兩拳王，阿利和佛萊瑟，漢妮就像佛萊瑟，埋頭苦幹。

第三日下午開始下雨，但我們早已完成一日行軍，第四日雨大，我還是走兩次，第二次是三犬同行，雨大後，愛美連忙大毛巾，拭乾愛犬雨水，離去前，我們將愛犬關進浴室，三小時後另位照顧將來接班。