FQ investment saving ISA 2

FQ investment saving ISA 2

Usually I searched using the tools of investment websites. 

While doing my study/ research, I do use a notebook. Jotting down some notes from what I saw online. 

I started off simple. 

1. Name of funds/ stocks (equities) / trust. Be careful of very similar names. Class.  Accumulate or Income. Currency. 
2. Returns / Performance of

• 1 month, 6 months, YTD Year To Date, 1 year, 3 years, 
• 5 years, 10 years. (please kindly let me know where to find 15 years data or since launch ) Then... after a few seasons, I want to find out more.

1. What stocks are in the funds?
2. When did the fund started? 
3. Who is(are) the manager(s) & their background? (After some times, I would like to know more)
4. Fees?  10K scenario fees and after-fee 5 year total return. 
5. PE Price-Earning raio, PB Price-Book ratio, maybe PC Price-Cash ratio. 
6. I can understand the basics of candles charts. Not interested in pure technical prediction based on patterns. 

So back to the previous example of the research of Japan funds.

Just checking long term performance ranking was a good start.

But it is better to understanding what I am buying.

Excuse me for my limited knowledge. I only know the ones circled in magenta pink.

I saw in another document that 

the Lindsell Train fund even has Calbee / Kirin in its top 10 last year. 

🤣😄Ha! 

Maybe smart investors should or would research all the companies!?!?! 

Notes handwriting is usually messy, it is better to put the notes in a spreadsheet. 

(this is a screen shot of the notes I made which listing the top 10 stock holdings of some funds)

I did looked at what is Denso. 

And you can guess, the part below that table is the performance.

 

Surprisingly, 

I did the notes and charts after I had bought two of the above funds at minimum requirement. 

  

If I have find a way to automate sourcing data...

I would like to know more including

• 12-month high & low.  
• Fund size. 
• Alpha & Beta figures
• Which country the company is in?
• Sharpe ratio, Sortino ratio... 

Disclaimer: It is not an ad. I have not received any payment from those companies. I do not know those companies or managers. 

All of above are my personal study notes in my journey of having an ISA account. 

Data will be different every day or even hours, especially the numerical data. 

1Chronicle16v35

被攻被滅  要求救  time people ask for help.
(不同譯本保留不同古語稱呼)

“Cry out, “Save us, O God of our salvation! Gather and rescue us from among the nations, so we can thank your holy name and rejoice and praise you.” Praise the Lord , the God of Israel, who lives from everlasting to everlasting! And all the people shouted “Amen!” and praised the Lord .”
～ 1 Chronicles 16:35‭-‬36   NLT
https://bible.com/bible/116/1ch.16.35-36.NLT


And say, “Save us, O Elohim of our deliverance; And gather us together, And deliver us from the nations, To give thanks to Your set-apart Name, And boast in Your praise.” Blessed be יהוה Elohim of Yisra’ĕl From everlasting to everlasting! And all the people said, “Amĕn!” and praised יהוה.
Diḇre haYamim Aleph (1 Chronicles) 16:35‭-‬36   TS2009
https://bible.com/bible/316/1ch.16.35-36.TS2009


“And say you , Save us, O God-Elōhīm (The Living Word)  [The Many Powered] of our salvation, and gather us together, and deliver us from the heathen, that we may give thanks to you holy name, [and] glory in you praise.  Blessed (Favored by God; happy; prosperous)  [be] the Lord-Yehōvah (Messiah Pre-Incarnate) God-Elōhīm (The Living Word)  [The Many Powered] of Yisra’el [He Holds Onto The Heel Of God] forever and ever. And all the people said, Amen, and praised the Lord-Yehōvah (Messiah Pre-Incarnate) .”
1 Chronicles 16:35‭-‬36 NMV
https://bible.com/bible/2135/1ch.16.35-36.NMV

"Say: “Save us, God who can save us! Gather and rescue us from the nations; so that we can thank your holy name and glory in praising you. Blessed be Adonai , the God of Isra’el, from eternity past to eternity future!” All the people said, “ Amen !” and praised Adonai ."
～ Divrei-HamYamim Alef (1 Ch) 16:35‭-‬36 CJB
https://bible.com/bible/1275/1ch.16.35-36.CJB


"Give thanks to God —he is good and his love never quits. Say, “Save us, Savior God, round us up and get us out of these godless places, So we can give thanks to your holy Name, and bask in your life of praise.” Blessed be God , the God of Israel, from everlasting to everlasting. Then everybody said, “Yes! Amen!” and “Praise God !”"
～ 1 Chronicles 16:34‭-‬36     MSG
https://bible.com/bible/97/1ch.16.34-36.MSG

「要說：拯救我們的神啊，求你救我們， 聚集我們，使我們脫離外邦， 我們好稱讚你的聖名，以讚美你為誇勝。  耶和華－ 以色列 的神， 從亙古直到永遠，是應當稱頌的！ 眾民都說：「阿們！」並且讚美耶和華。」
～ 歷代志上 16:35‭-‬36    CUNP-神
https://bible.com/bible/46/1ch.16.35-36.CUNP-神


「主に叫べ。 『私たちの救いの神よ、どうかお救いください。 私たちを国々から呼び集め、 安全に救い出してください。 そうすれば、あなたのきよい御名に感謝し、 声の限りほめたたえます。』  イスラエルの神は、永遠にほむべきかな。」 この歌にすべての民は「アーメン」と和し、主をほめたたえました。」
～ 歴代誌Ⅰ   16:35‭-‬36   JCB
https://bible.com/bible/83/1ch.16.35-36.JCB

O Holy Night

Which one do you like more? ７ versions of "Holy Night". Last night I went to a Carols by Candle Lights... I like the last song "Holy Night".   And then looked up different versions...
🎵🎶Celine Dion:
https://youtu.be/RsWUWzai8P8

🎵🎶 Mariah Carey :
https://youtu.be/QP0TGh6c-Ss

🎵🎶 King's College choir of Cambridge:
https://www.youtube.com/watch?v=gTFG_nvreoI

🎵🎶 Classical music instrumental :
https://youtu.be/7cyH2QcltZU?t=20

🎵🎶 Famous Italian singers,  duo :
https://www.youtube.com/watch?v=V7uiqRCW6I8

🎵🎶Michael Ball  (the last song in this video  (the clip also has "Hark the Herald Angel Sing " & others)
https://youtu.be/CHj_q7ttDCE

🎵🎶Andrea Bocelli

   https://youtu.be/9egij7D5seI

😊

Lyrics 

O Holy Night!
 The stars are brightly shining,
It is the night of the dear Saviour's birth.
Long lay the world in sin and error pining.
Till He appeared and the Spirit felt its worth.
A thrill of hope the weary world rejoices,
For yonder breaks a new and glorious morn.

💕Fall on your knees!
 Oh, hear the angel voices!
O night divine, the night when Christ was born;
O night, O Holy Night , O night divine!
O night, O Holy Night , O night divine!💕

Led by the light of faith serenely beaming,
With glowing hearts by His cradle we stand.
O'er the world a star is sweetly gleaming,
Now come the wisemen from out of the Orient land.
The King of kings lay thus lowly manger;
In all our trials born to be our friends.
He knows our need, our weakness is no stranger,
Behold your King! Before him lowly bend!
Behold your King! Before him lowly bend!
💕
Truly He taught us to love one another,
His law is love and His gospel is peace.
Chains he shall break, for the slave is our brother.
And in his name all oppression shall cease.
Sweet hymns of joy in grateful chorus raise we,
With all our hearts we praise His holy name.
Christ is the Lord! Then ever, ever praise we,
His power and glory ever more proclaim!
His power and glory ever more proclaim!

💕

Background / Song composer 

The words and lyrics of the old carol 'O Holy Night' were written by Placide Cappeau de Roquemaure in 1847. Cappeau was a wine seller by trade but was asked by the parish priest to write a poem for Christmas. He wrote the beautiful words of the hymn but then realised that it should have music to accompany the words. He approached his friend Adolphe Charles Adams(1803-1856). The music for the poem was therefore composed by Adolphe Charles Adams.  It was translated into English by John Sullivan Dwight (1812-1893)

French lyrics

Minuit, chrétiens,
C'est l'heure solennelle
Ou l'Homme Dieu descendit jusqu'à nous
Pour effacer la tache originelle
Et de Son Père arrêter le courroux.
Le monde entier tressaille d'espérance
En cette nuit qui lui donne un Sauveur.
Peuple a genoux, attends ta délivrance!
Noel! Noel! Voici le Rédempteur!
Noel! Noel! Voici le Rédempteur!

Le Rédempteur
A brise toute entrave:
La terre est libre et le ciel est ouvert.
Il voit un Frère ou n'était qu'un esclave,
L'amour unit ceux qu'enchainait le fer.
Qui Lui dira notre reconnaissance?
C'est pour nous tous qu'Il nait,
Qu'Il souffre et meurt.
Peuple debout, chante ta délivrance!
Noel! Noel! Chantons le Rédempteur!
Noel! Noel! Chantons le Rédempteur!

water comparing 1

Not all water the same. By comparison to find better ones.
These are some bottled still spring water and or still mineral water.
Fuji, Highland Spring, Volvic, Co-op,VOSS...

Brands   Unit: mg/L	Fuji	Highland Spring	Volvic (Danone     Waters)	Co-op Fairbourne  Springs	VOSS (a USA  company but majority  of control :  a PRC Chinese company Reignwood Group )
Description	Artesian water. UV treated drinking water	Still Spring water	Natural Mineral Water (filtered by volcanic  rocks)	Still natural mineral water	artesian water (still)
Source	Yaqara, Viti Levu	Ochil Hills	Clairvic Spring	Fairbourne Springs, Churchstoke, Montgomery, Powys	Iveland
Country	Fuji Islands	UK - Scotland	France	UK - Wales	Norway (not in VOSS)
bottle	plastic	plastic	plastic	plastic	glass
volume	1 Litre	1.5 Litre	1.5 Litre	2 Litre	800 ml
pH at source	7.7	7.8	7.0	7.8	5.5
Bicarbonates	153.0	150.0	74.0	137.6	<20.0
Calcium	18.0	40.5	12.0	46.2	5.0
Chloride*	9.0	no data	15.0	15.8	12.0
Fluoride*	no data	no data	no data	0.1	0.1
Magnesium	15.0	10.1	8.0	6.0	1.0
Nitrates	1.0	3.1	7.3	6.3	-
Nitrites*	no data	no data	no data	no data	-
Potassium	5.0	0.7	6.0	0.8	-
Sodium	18.0	5.6	12.0	12.1	6.0
Sulphate	1.0	5.3	9.0	23.4	5.0
Other:Silica	93.0	no data	32.0	no data	-
Other *	not listed	not listed	not listed	not listed	*not listed
Dry Residue  at 180 degree C	222.0	170.0	130.0	195.0	44.0
note taken	2017.06	2017.08	2017.08	2017.08	2017.08

(officially version of released info as on the food labels in packaging,
except VOSS, which is from their official website.
Different from data printed on bottle & in Wikipedia.
Data on bottle is different & fewer. Truth??? )
Their water quality report full version listed more,
including 0.037 mg/L Manganese, 3.381mg/L ±1.004 Radium 226/228 (combined),

 NOTE 1:
  There are non-sparkling still water sold in glass bottles.
Eg. :
Acqua Pana, Evian, Harrogate, Hildon,
Highland Spring, Perrier, San Pellegrino, VOSS, Waitrose, etc.

* NOTE 2:
last dacade there was a specialist website that someone took bottle waters to do lab test.  They found that actual chemicals are usually not necessarily fully listed in packaging. Actual chemicals and Chemicals at source listed in packaging can be different.
Somehow that website was shut down.

NOTE 3:
plastic bottle: Store in odor free environment,
and away from direct sunlight. Once opened, keep chilled and used withing 7 days(or so).
I take that as the plastic has chemicals which can migrate into the water under circumstances. And, for smaller bottles, I read elsewhere that they can be easily become a pedri dish within 24 hours aka brew bacteria once you start drinking from it in contact to your mouth. 

WHY I make this?
I started noticing water about 20 years ago.
I used to drink in office & at home evaporated water
which was popular and said to be very pure.
So I notice odor +/ odd taste
 if I drink tap water.
Then there are people criticize not good to drink water too pure!!
Anyway, in Summer we drink more water. 
If we do not guard well,
it is down to ruin our kidneys & body,
 overloaded with unwanted chemicals. 

WHY tap water is not good?
They typically have hundreds of chemicals
ranging from heavy metals, pesticides, herbicdes, etc,
and anything people put in drainage ,
that include medicine & drugs, etc.
Not to mention all kinds of
hair dye chemicals,
floor polish chemicals,
 drainage caustic acid,
car wash chemicals, etc.
Even just basic lists
 in websites of  some
relatively open water companies
can be scary enough.

Let alone chemicals that
they are not able to filter //
not willing to //
can't afford to test //
dare not to test //
do not release to let people know.

Audio...Headphones...

A post-Christmas impulsive shopping,
between two portable foldable on-ear headphones, I chose...

A little bit of www search after my purchase...

	JVC (JVC Kenwood)	SONY	REF: Average Ear-bud types & head phones.	REF: Better ones
Model	HS-A180	MDR-ZX310	..	..
Frequency Response upper	22000 Hz	24000 Hz	20000 Hz	45000 Hz (Denon AH-D600) 40000 Hz (Sennheiser HD700) 25000 Hz (HA-SR50x)
Frequency Response lower	10 Hz	10 Hz	20 Hz	8 Hz (HA-SR525) 5 Hz (Denon AH-D600) 3 Hz (Bowers & Wilkins P9 Signature)
Imedance at 1 kHZ	32 ohm	24 ohm		2834 ohm (BOSE QuietComfort 20) 488 ohm (BOSE QuietComfort 35) 150 ohm (Sennheiser HD700)
Sensitivity	103 dB	98 dB		111 dB (Bowers & Wilkins P9 Signature)
Driver unit size	30 mm	30 mm   Dome type		50mm (Denon AH-D600) 40 mm
colour availability	Black, White, Blue, Red	Black, White, Blue, Red
Features	Deep Bass 1.2m cord Plug: gold-plated iPhone compatible slim plug	Plug: gold-plated 4-conductor L-shape stereo mini		Remote control, Mic, noise-reduction 1.4m cord volumn control some may have protective  carrying pouch or case.  Adaptor. Detachable cable
Info on Packaging	Some specifications	No specification of Frequency Response range or Impedance, etc !! 😧
Reiews seen on www	Positive. Bought for teenagers.  (T.T)	OK. cheap. comfortable. For short commute. Sound not good.
Other Info	Magent type: Neodymium Maximum Input: 500mW (IEC)	Maximum Capacity: 1000 mW Available as standard type or Android type.		1000 mW Distortion <0.2% (1KHz/10mW) (Bowers & Wilkins P9 Signature) Distortion <0.4% (1KHz/10mW)  (Bowers & Wilkins P5 Series 2) operate with battery (BOSE Quiet Comfort 25 Acoustic Noise Cancelling)
Dimension (cm)	L21, W17, D5.5
Weight	260 g 108 g	125 g without cord		365 g (Denon AHD600) , 413 g (B&W P9)
Price RPP	USD 25.00	USD 39.99 GBP 25.00
Company HQ	Japan	Japan
Made in	PRC	PRC	mostly PRC
Materials??

I took the JVC one
though I do not norally like get black ones.

I like wider range of frequence response.
Higher impedance is good.

  
Many people said average range for human is 20-20kHz.
But "average" is meaningless.
People
with good hearing,
especially young people and some sensitve people,
the range is more than that.

Why would people be misled to buy average products
sacrificing the enjoyment / capability to hear full range of music/sounds?

Maybe I shall look for something like 8-25kHz or 6 - 30kHz.

Sometimes there are test on www.
Touch wood that I can still hear higher notes.
  
Other notes.
more wireless and or bluetooth headphones are in the market,
the specifications are slightly weaker than the one with wire/cable.



It is strange that in some countries,
manufacturers & retailers withhold specifications
on products.
To me, that is a humiliation of our intellectual capacity.

Oh, is it due to the complains or feedbacks from
those who cannot comprehend data well?
Pity. That drags down the standard of our civilization.
  
p.s.
Originally I plan to get a pair of shoes.
After trying 4, I found the heals, er,
2 too high, 2 too low/flat,
I walked into a supermarket
for retail therapy.

Given you had read
how I evaluate and choose pocket diary,
you won't expect me to just buy a headphone that quick.
    ; )

The previous headphones I have are mostly just the earbud type
which came with either my walkman, discman, mobile phones, etc.

Except one shocking pink one. 😊

Consumers are often not given all the facts
to help make informed decisions.
Some locations of shops do no have data signal to go on line.
Many reviews in the media are not fully neutral.
Consumer magazines reviews are not professional enough, either.

comparision & learning

Through comparison, we can learn better.  #

Recently I had tried to compare various English translations of Luke 24:42-44.
Is Honeycomb in your bible? It is missing in many versions.
Try online interactive resources like:
BibleGateway,  BibleHub,  BibleStudyTools

https://www.biblegateway.com/passage/?search=luke+24%3A42-43&version=WYC

http://biblehub.com/luke/24-42.htm

http://www.biblestudytools.com/luke/24-42-compare.html

Then, what about the books?
GEEES.

Then, someone has a visitor named Tobias.
Hey, that is a name of one of the books in Catholic Bible.
Searching & comparing....
numbers of books are different in the versions of bible by
Catholic, Protestant, Eastern Orthodox church!!!!!!!

English & Chinese bilingual data
(Traditional Chinese text for HongKong & Taiwan friends)

Old Testaments.
books    version:
________________
24    Jewish Tanakh
39    Protestant
46    Catholic
51    Eastern Orthodox

Originally I just wanted to find out the bilingual names and acronyms...

https://zh.wikipedia.org/zh-hk/%E8%81%96%E7%B6%93

Then I noticed the information...

https://en.wikipedia.org/wiki/Books_of_the_Bible

Even just talking about the names of the books,
there are different translations/versions between them.

#
 the variations of actual text
in the many English versions alone are amazing if not shocking.

There are so many versons.
If I were to choose one or two versions,
 which is/are the best?
And.....
The Catholic bibles have more books than Protestant bibles. 
 
(Wikipedia do states that Protestant version and Jewish Tanakh
 are similar in the quantity of content in the Old Testament,
 just the arrangement & dividing of books vary.)

winter sale shopping for winter jacket

Among things I eyed on this Winter Sale shopping,
is winter coat/mac/parker/jacket/trenchcoat,
 ideally with medium length & some waterproof.
  
I do not want a raincoat.
Windy rainy salty bad weather do not call for expensive fashionable lady coats
which easily ruined by weather or daily wear.

Initially I eyed the M&S Per Una storm-proof jacket
which I was told it can only stand in light shower.
Then I also thought about (and suggested so)
the more amateur and even professional
real storm-proof outdoor/hiking /mountain wear
of JackWolfSkin, North Face, Berghaus, etc.
A staff at Blacks told me Peter Storm and Technicals are only basics.
Regatta?

Am I interested in wearing the full outdoor mountain wear
in town /doing daily shopping...??!

Wandering in Debenhams,
short-listed to something more of everyday wear....
Not Michelin tire man type.
Not old lady type.
Not for going to party or corporate formal stuff.
(after considering
my personal use/ lifestyle and
what are left available at the time of shopping)

Just Dash & Windsmoor.
Both said shower-proof.

Dash	Windsmoor
deep purple	black
inner: contrasting colour strips	inner: black
thicker	thinner
lighter	heavier !?
warmer for Winter	not as warm; can be worn in Spring/Autumn too.
padded, not detachable	detachable inner layer
hood not hidden; detachable	hood can be folded & hidden
bi square pocket	slant pocket opening
inner pocket low position	inner pocket upper, slant
elastic inner cuffs at wrists thus warmer	no inner cuffs
warmer colour, a tad more feminine/less boring?	"cool" black
China	Vietnam
polyester, nylon, cotton	polyester
£39	£69

I don't need those faux fur or belt, draw-string waist, zips and buttons are fine.

Actually I like both.
Something light, enough for the time being.

A quick dig on www told me that
both brandnames  belong to Jacques Vert group.
I had also bought a dress from Kaliko which is also from the same group.)

p.s. Though I usually wear size 12, sometimes size 10 depends on pieces,
I was surprise I can get in Small size coat.

notice more difference, not be fooled...

Learnt something this Christmas,
 a time everyone had many chocolate, cakes, teas, etc.

Beyond the colourful packaging / brand names,
I have concerns about
what I really put inside my body.

From the ingredients....

Why some cakes/choc/teas are better ---
in terms of flavour/taste  and healthier....

Noticed that some cheaper ones have non-natural ingredients
substituting real things,
trying to fool us as food.

Middle and upper end market products give less man-made chemicals.

For ourselves and loved ones,
really try to read and check the ingredients.

And not be fooled by the ad-like description of product.

It might seems like a small thing like...
ginger bread chocolate without ginger
mint chocolate without mint.

Chocolate with so little cocoa?

Soon we are eating bread and cakes
 without real egg or milk or butter or flour....
but a concoction of chemical make-believe.


Hope we can all vote with our money
not to buy those which have been trying to fool us.


We'd better support good  real  healthy food, right?

I will compare ingredients of same or similar items
 of different brands of different price ranges...

You?