【晴報專訊】昨天提到，如果是標明不保本的內地理財產品，背後對應的資產其實跟當年雷曼的「迷你債券」差不多，我相信都是一些質素參差的貸款，主要可能是一些企業債券。 我想先為雷曼的「迷你債券」說句「公道話」。其實，雷曼把一些投行安排的債券，重新包裝並且拆細出售，是行之已久的做法。問題是，他們沒有清楚說明這些債券的風險，甚至把它包裝成風險很低的「債券」。技術上，這些已是結構性的金融產品。 留意產品貸款質素 雷曼事件最終演變成「災難」，其實不是背後的債券出事，而是作為擔保方的發行人，即雷曼兄弟倒閉而已！從雷曼事件汲取的教訓是：買這類產品牽涉兩個主要風險，一是信貸風險，即是實際的貸款方會否「賴帳」；第二就是發行人的風險。 我剛才說，雖然標明非保本的理財產品，背後對應的資產應該跟當年的迷債一樣，但我認為，內地銀行出售時也算有良心，因為她是有提示的（迷債是沒有的）。早前，我翻閱過一張銷售單張，當中就有以下的風險提示：「本理財計劃是高風險投資產品，你的本金可能會因市場變動而蒙受重大損失，你應充分認識投資風險，謹慎投資。」 看到這樣嚇人的警告字眼，我相信妳是不會買！公平一點來說，我認為，大家要買這類非保本理財產品時，須問，或自己查看，到底這些「貸款」是誰借的？他們的信用評級如何？負責包裝和出售這些「貸款」（變成理財產品）的又是誰？是否就是你開戶的銀行等等。 一般來說，現時內地銀行出售的非保本理財產品，年期都較短，主要是幾個月至一年左右，風險相對「迷你債券」或許較低，但背後的貸款質素如何，我就真的不敢下判語了！ 年回報4％ 不值得冒險 其實，這些產品的年度化回報率也不過是4％至6％左右（近期的特殊情況才會再高一點），似乎不足以令我去冒一些不太清楚的風險。 當然，從分散投資的角度考慮，拿小量人民幣買一些非保本產品也不會太危險。但我會傾向找一些保本的產品，雖然大部分利息都只比存款高少許，但勝在安全和安心呢！ firstname.lastname@example.org 撰文︰唐德玲
- The Independent
The Tiger King didn’t just lose his best chance at freedom when Donald Trump’s hotly-anticipated pardon never came, he lost his marriage. Husband Dillon Passage confirmed in a series of Instagram posts on Friday that he was filing for divorce from the Netflix star. Attorney for Mr Exotic, Francisco Hernandez, told TMZ that he is distraught after speaking to him in prison.
- The Independent
Michigan GOP chair refuses to resign after calling female Democrats ‘witches’ and joking about assassinations
‘Our job now is to soften up those three witches, and to make sure that when we have good candidates to run against them, that they are ready for the burning at the stake’
- The Independent
The president called the legislation an ‘atrocity’ and ‘sick’
- Associated Press
Auston Matthews scored 54 seconds into overtime to give the Toronto Maple Leafs a 4-3 victory over the Edmonton Oilers on Saturday night. Matthews took a pass from Morgan Rielly in the extra period and fired a shot that hit the stick of Edmonton’s Leon Draisaitl before bouncing in off defenseman Darnell Nurse’s skate and past goalie Mike Smith. “I’m going to take that, for sure,” Matthews said.
- ABC News Videos
Nse Ufot, the CEO of the New Georgia Project, discusses her concerns with Georgia’s new restrictive voting law and responds to Georgia election official Gabriel Sterling’s defense of the changes.
- The New York Times
Matt Boney said a fire chief had grabbed him on Tuesday night as they prepared to pull the body of their fallen comrade, Jared Lloyd, from the rubble of an assisted living center in Rockland County, New York, where Lloyd had died trying to rescue residents from a fire hours earlier. The chief, he said, told him that one of Lloyd’s two sons, Logan, was turning 6 on Wednesday — in just a few hours — and had asked his mother if a fire truck could come to his house for his birthday. “And that’s how this all started,” said the chief, Ken Conjura of the Spring Valley Fire Department, who is Logan’s stepfather. Sign up for The Morning newsletter from the New York Times Boney, a firefighter in Rockland County, started making calls at around noon Wednesday but didn’t expect what happened next. Before long, he said, calls started pouring in from firefighters, police officers and contractors throughout the region. Boney said he had soon realized that he was going to need a bigger staging area for the vehicles, and he directed everyone to meet in a giant parking lot outside a Pfizer office in Pearl River, New York. More than 200 vehicles — fire trucks, police cars, ambulances, dump trucks and tow trucks — streamed into the lot and lined up in more than a dozen orderly rows. “We knew it was going to be big, but we didn’t know it was going to be that big,” Boney said. “We were all in awe, like: ‘Oh my God. This is really happening.’” The procession, reported by Lohud.com, had been organized as Rockland County firefighters were still grieving the loss of Lloyd, 35, an avid golfer, president of the firefighters’ softball league, a die-hard New York Mets fan and father to two boys, Logan and Darius, 4, his colleagues said. Lloyd, who had been a Rockland County firefighter for more than 15 years, radioed a call for help from inside the Evergreen Court Home for Adults in Spring Valley, New York, before the building collapsed on Tuesday, authorities said. “He was that guy that you could call and he would be here in a minute,” Conjura said. “He was that guy that couldn’t leave because he was afraid to miss something. He was that guy you want to have on your team. He’s going to be a big, big, tremendous loss to this department.” Logan, who was still absorbing his father’s death, didn’t know if any fire truck was coming for his birthday, Conjura said. But as the huge procession of vehicles left the lot and headed to the boy’s street, Conjura told Logan to come outside. It was gray and rainy, and the sound of the sirens came first. Then the vehicles arrived, a long, snaking river of flashing red, white and blue lights through the streets of Nanuet. The vehicles seemed to stretch for miles — fire engines from Monsey, police cars from Orangetown, ambulances from Stony Point, dump trucks from MCM Paving & Excavation from West Haverstraw — and so many more from so many places. Logan watched as the vehicles rolled by his house for more than 40 minutes, stopping occasionally so firefighters could hand him presents. “It was unbelievable,” Conjura said. “He was super excited. He was very happy.” On a day of mourning and loss, the procession, Conjura said, was about answering a call to service. “It just speaks about firefighters — even in their darkest moments, they shine,” he said. “They get together and make things happen. That’s what the volunteer fire service is all about: picking each other up.” This article originally appeared in The New York Times. © 2021 The New York Times Company
- The Independent
A group of lawmakers propose ‘Delivering Envelopes Judiciously On-time Year-round Act’ after mail chief unveils service rollbacks
- Raleigh News and Observer
The dad has been charged.
- Business Insider
GOP Rep. Adam Kinzinger calls Trump 'an utter failure' after the former president said that the Capitol rioters posed 'zero threat'
Kinzinger has been one of the most prominent Republican critics of former President Donald Trump's outsized influence over the direction of the party.
- The Week
Congress-woman elect whose husband died of COVID-19 urges hesitant Americans 'to use my story' and get vaccinated
Julia Letlow, the Republican congresswoman-elect from Louisiana's 5th district, told CBS News' Margaret Brennan on Sunday that she is a "huge proponent" of the COVID-19 vaccines available to Americans, and she wants to "encourage anybody out there who's eligible to go ahead" and get their shot. “It’s definitely going to inform my work” congresswoman-elect @jbletlow tells @margbrennan of being elected into her late husband’s seat after he died from complications of COVID-19 in December, encouraging others to be vaccinated against the virus. pic.twitter.com/hy32r2ykXC — Face The Nation (@FaceTheNation) March 28, 2021 Many politicians on both sides of the aisle are urging their constituents to get vaccinated, of course, but Letlow's advocacy is particularly personal. Her future seat was initially won by her late husband, Luke Letlow, who died of COVID-19 complications last year at the age of 41. When Brennan pointed out polling shows there's still significant vaccine hesitancy among Republican voters younger than 65, Letlow said "that's why I want to be an advocate and a voice for everyone. Look at my family, use my story." Republican Rep.-elect @jbletlow's message to those in party still hesitant to receive a COVID-19 vaccine: “I want to be an advocate and a voice for everyone… Look at my family, use my story." pic.twitter.com/GyUMOcYYsS — Face The Nation (@FaceTheNation) March 28, 2021 More stories from theweek.comIs nuclear fusion the answer?5 cartoons about Biden’s immigration troublesThe legendary allure of Britain's AGA stove
- The Week
Birx reveals she received a 'very uncomfortable' phone call from Trump after giving interview warning of severity of pandemic
Of all the doctors CNN's chief medical correspondent Sanjay Gupta interviewed for the network's upcoming documentary COVID War: The Pandemic Doctors Speak Out, which will air Sunday at 9 p.m. ET, Dr. Deborah Birx, the former White House coronavirus response coordinator, was "perhaps the most" introspective, he said. In one of the clips CNN has shared ahead of the airing, Birx said she believes the majority of coronavirus deaths after the initial surge in the United States could have been prevented. In another excerpt, discussed by Gupta and Dana Bash on Sunday's edition of State of the Union, Birx is seen telling Gupta that she knew she was "being watched" during her time in the Trump administration, noting that everyone "was waiting for me to make a misstep." She revealed that an interview she did with Bash over the summer, in which she warned about the severity of the virus, even in seemingly isolated regions of the U.S., particularly angered former President Donald Trump and his team. "I got called by the president," Birx said, adding that the conversation was "very uncomfortable, very direct, and very difficult to hear." Gupta then asked Birx if she was "threatened," to which she replied only by reiterating that "it was a very uncomfortable conversation." “I knew I was being watched. Everybody inside was waiting for me to make a misstep so that they could, I guess, remove me from the task force,” says Dr. Deborah Birx, the White House coronavirus response coordinator under fmr. Pres. Trump, on the pressures she faced. #CNNSOTU pic.twitter.com/5zmR0P3SbN — State of the Union (@CNNSotu) March 28, 2021 More stories from theweek.comIs nuclear fusion the answer?5 cartoons about Biden’s immigration troublesThe legendary allure of Britain's AGA stove
- Business Insider
Kamala Harris is reportedly 'bothered' that she hasn't been able to move into her official Washington DC residence over two months after inauguration
An administration official told CNN that it is "unclear" why the renovations are still ongoing, but Harris is reportedly "bothered" by the delay.
Sisu, a one-year-old stray dog, was adopted the next day after the Duplin County Animal Control in North Carolina posted about his criminal behavior.
- The Telegraph
Egypt is beginning preparations for the laborious task of unloading containers from the grounded ship that is blocking the Suez Canal, after a weekend of unsuccessful floating attempts. The Suez authorities had hoped to avoid a complex and time-consuming unloading operation, but on Sunday Egypt’s president, Abdel Fatah al-Sisi, gave orders for it to go ahead. Removing some of the almost 20,000 containers from the Ever Given is likely to see the canal closed for more days, as it requires specialist equipment that has not yet arrived. Experts fear it cause also cause damage to the ship if it upsets its delicately-spread balance of weight. "His excellency has ordered that we should not wait for the failure of the first and second scenarios to start thinking about implementing the third one," Lt. Gen. Osama Rabie, chairman of the Suez Canal Authority told Egyptian TV. The authorities had pinned their hopes on moving the grounded vessel during hight spring high tides over the weekend. But those hopes were dashed when, according to shipping officials, the 220,000 ton ship moved just two degrees (100 foot) during Saturday night’s refloating attempt. At least 321 other ships are now backed up because of the blockage. Officials are expected to make one last attempts at refloating during high tide on Sunday night before resorting to unloading. A spring tide on Monday is also supposed to raise the canal’s water level as much as 18 inches.
- Business Insider
Dr. Deborah Birx says every American COVID-19 death after the first 100,000 could've been mitigated, but a Democratic lawmaker says she's to blame for 'enabling' Trump
Birx said thousands of Americans died preventable deaths, but Rep. Ted Lieu and others accused her of being partly responsible.
- Associated Press
Two additional tugboats deployed Sunday to Egypt's Suez Canal to aid efforts to free a skyscraper-sized container ship wedged for days across the crucial waterway, even as major shippers increasingly divert their boats out of fear the vessel may take even longer to free. In the time since, authorities have been unable to remove the vessel and traffic through the canal — valued at over $9 billion a day — has been halted, further disrupting a global shipping network already strained by the coronavirus pandemic. The Italian-flagged Carlo Magno was also close, having reached the Red Sea near the city of Suez early Sunday, satellite data from MarineTraffic.com showed.
- The Week
Sen. Lindsey Graham (R-S.C.) on Sunday dismissed Democrats' chances of passing legislation that would ban assault weapons in the United States, telling Fox News' Chris Wallace "it won't get 50 votes, much less 60." He then told Wallace he owns an AR-15, explaining that if a natural disaster occurred in South Carolina and the police couldn't protect his neighborhood, his house would be "the last one the gang will come to" because he could defend himself with the weapon. That prompted some quick online criticism. Talking Points Memo's Josh Marshall called Graham's comments "survivalist [fan fiction]" that "tells you a lot [about] the trouble this country is in." Rolling Stone's Tim Dickinson said the remarks were "straight NRA propaganda," while Bloomberg's Francis Wilkinson blasted Graham for imagining going into survival mode during a disaster rather than providing his constituents with "leadership, guidance, or assistance." pretty standard. survivalist fanfic coming right from a US senator. https://t.co/EbHFf5iQzv — Josh Marshall (@joshtpm) March 28, 2021 More stories from theweek.comIs nuclear fusion the answer?5 cartoons about Biden’s immigration troublesThe legendary allure of Britain's AGA stove
- Raleigh News and Observer
The child’s family from Cary, N.C. was visiting Hilton Head for vacation.
- National Review
Senator Mike Braun (R., Ind.) on Saturday said a Biden official asked a group of Republican senators who visited the southern border to delete photos they had taken of the overcrowded conditions at a migrant processing and holding center they toured one day earlier in Donna, Texas. “There was one of Biden’s representatives. I felt sorry for the lady because she actually talked to me about deleting a picture, but by the time she got to me, all those other pictures were taken, and that shows you the hypocrisy,” Braun told the Washington Examiner. “None of us would have gone down there if we were going to be muzzled,” Braun said, adding that Border Patrol instructed them not to take photos, though “they were telling us that because they had to.” Braun visited the facility, which is at 700 percent capacity, with a group of 18 other Republican lawmakers. Photos reveal children sleeping on the ground on mats and migrants crowded into enclosed pods. The Indiana Republican told the paper that the group ran into so-called “coyotes,” who guide migrants across the border for money, during a stop at the edge of the Rio Grande with border agents. “All of a sudden to hear from the other side of the river taunting from the smugglers and coyotes, most of it in Spanish, telling the border guards that whatever you do, we’re coming,” Braun said. “That kind of hit home in such an anecdotal way because it is one story that kind of is a metaphor for what’s happening all up and down the border. After the visit, Braun wrote a letter to the president urging him to visit the border himself. “The crisis surrounding this surge makes it a moral imperative for you to see firsthand what is happening—and not the sanitized version of the border tour taken by some of my congressional colleagues,” Braun wrote. “Having personally gone this week, I can testify to this being an inhumane, unsustainable and dangerous situation. The lawmakers’ visit comes amid a worsening crisis at the border as officials struggle to keep up with an influx of migrants — especially unaccompanied minors — at the border. As of Thursday, there were more than 18,000 unaccompanied minors in Border Protection and Health and Human Services custody. The increase has caused delays at processing centers that are required, by law, to transfer children to HHS shelters in under 72 hours.
- The Daily Beast
Satellogic/Handout via ReutersThe cargo ship that has blocked the Suez Canal since Tuesday—and epitomized the mood of a battered and exhausted public—could be freed on Saturday night, some optimistic reports suggest.But, as the ship’s calamitous journey has so far indicated, there is plenty that could still go wrong.Yukito Higaki, president of the Japanese company that owns the Ever Given, said he hoped that a weekend high tide and the dislodging efforts already underway would help to refloat the ship, NBC reported. He also apologized for the multi-billion dollar mess. “We apologize for blocking the traffic and causing the tremendous trouble and worry to many people, including the involved parties,” Higaki said.Releasing Container Ship From Suez Canal Could Capsize ItThe blockade on one of the busiest shipping routes in the world has stalled hundreds of vessels and triggered an unfurling trade crisis. The jam has held up nearly $10 billion in trade each day, according to The New York Times, and added another layer of stress onto an industry already kneecapped by pandemic-induced lockdowns.Bloomberg reports that Ikea is among the slew of companies facing supply-chain issues, which is stressful news to anyone in the market for a cheap bookshelf. The Swedish company is reportedly “considering all options to ensure availability of products.” Construction equipment company Caterpillar “is said to be considering airlifting products if necessary.”In some positive news, the 1,312-foot long Ever Given ship had moved slightly as of Saturday morning, Reuters reports. The ship’s rudder finally began to operate on Friday night, and by the afternoon the stern had moved as well.One Suez Canal pilot told CNN that he believed the ship could be removed by Saturday night. “The locomotives are now full force and the ship is starting to operate its machines,” Hend Fathy Hussein, a spokeswoman for the Suez Canal Economic Zone, wrote on Facebook. “[B]ut it hasn’t been floating yet.”Osama Rabie, chairman of the Suez Canal Authority, said in a press conference on Saturday that he “could not say” when the ship might be free. Unusually strong winds continue to hinder attempts to move it. Hundreds of ships wait in the Red Sea as the Ever Given remains lodged in the Suez Canal. Mahmoud Khaled/AFP via Getty The BBC reported that 14 tugboats are aiding in Saturday’s refloating efforts. High winds were initially blamed for the grounding, but Rabie said on Saturday that human error may have played a part, too.“The weather was one reason, but maybe there was a technical error, or a human error,” he said.Workers are currently digging out the stuck ship and using tugboats to dislodge it. A worst case scenario, Rabie said, would be removing some of the cargo to lighten the load.The Ever Given has a capacity for 20,000 containers; according to the BBC removing that weight could take “weeks” and require “specialist equipment.” If the ship is not freed on Saturday, the Times reported that its “best chance” might come on Monday, when a high tide is predicted that could helpfully push up water levels.The canal provides a thoroughfare for around 15 percent of global shipping traffic.Read more at The Daily Beast.Get our top stories in your inbox every day. Sign up now!Daily Beast Membership: Beast Inside goes deeper on the stories that matter to you. Learn more.