Question 1

樂宅萬國Ingay Tali 穎艾達利 在Facebook 的評價

Accepted Answer

🛒2021臺南購物節　購物好禮抽不停🛒　2021 ＃臺南購物節 開跑囉！！即日起，憑臺南店家開立的發票，或者在 ＃臺南好物、＃臺南便利送 網頁上消費獲得的序號，就可以到臺南購物節官網登錄抽獎囉～獎品總價值超過 ＃500萬💰，今年的幸運得主，說不定就是你唷！-🎁＃臺南好禮月月抽☑️活動期間｜即日起至2022.02.10（四）23:59☑️活動說明⓵每張發票可登錄1次。⓶單筆消費滿100元，可獲得1組抽獎序號；200元，可得2組抽獎序號，以此類推。⓷特約店家抽獎序號雙倍送。　🏅活動獎項加碼獎：永康蛋黃地段三房一廳含車庫輕豪宅（價值830萬）一戶；另爭取安南區豪宅中！⓵頭獎：Lexus UX250h 1台、TOYOTA Corolla Cross 1台。⓶二獎：宏佳騰智慧電車x 5部。⓷三獎：iPhone12。⓸另有iPad、電視、Switch、Dyson吸塵器、樂活海洋帆船遊艇行程券、禮券、住宿券、萬國頂級Hygea抗菌行李箱…等獎項數名。 　🌐更多資訊 https://reurl.cc/j8X8p1-❣️臺南購物節ｘ臺南好物 官網 https://tainanshopping.tw❣️臺南購物節 臉書 https://m.facebook.com/tainanshop/　圖片來源🙏🏽 ＃臺南市政府經發局-＃購物節 ＃來抽獎＃Ingay資訊分享 ＃活動 篇　ℹ️臉書搜尋「活動」，可以更快的找到Ingay與小夥伴們整理的各項資訊內容喔ℹ️—————————————————————加入Ingay的Line好友‼️ Line連結｜https://lin.ee/fykSmOb Line ID｜@ingaytali　到 ＃穎艾報你知 查詢更多活動、工作、競賽等資訊👉🏽https://intalk.tw

Question 2

樂宅萬國龔成 在Facebook 的評價

Accepted Answer

【龔成問答信箱】（Q21641-Q21660）Q21641：龔成：你好，我追中在你都有一段日子，我想請問一個問題，股票6127在6月22都有$164股價。之後股價到$128，見財經網站話創上市新高，我真係唔係太了解，可否回覆，謝！龔成老師：因為這股進行了「十送四紅股」，股價自然地調整左。送股只是一個數字遊戲，持有股數多左，但股價下調左。例如你原本持有1000股，10送4後，你就會持有1400股，但整個企業價值不會因此而改變，因此，股價會自然調整，例如之前股價$164，你持有1000股，市值為$164000現時股價會因送股的「除淨」因素而下調，調整至$117.14，你持有1400股，你持貨市值（$117.14X1400股）=$164000。所以，之前的$164已經變成了現時的$117.14，所以當你見到$128，就是創新高。------------------------------------------------Q21642：龔sir，你好，自從上年上完你既投資班，獲益良多，亦成日推介你既書，專頁同投資班比朋友想問問金沙既財務穩健情況，流動資產淨值負值總負債 / 股東資金比率446%，主要原因都係今年equity大減（-56.6%）翻查附註，法定儲備可按除稅後利潤調整，因為今年無錢賺，大跌是否正常？今年係特別年份，現金流正值，見到繼續有投資，可見金沙對未來有信心，另外今年經營虧損，靠融資獲得資金。今年interest coverage係負數。想問下除左以上不太利好既數據，仲有咩數據可以分析金沙財務狀況？ 謝謝謝龔成老師︰其實上年疫情，令到全球經濟活動都受影響。旅客大跌，所以成個澳門博彩業，都受到很大打擊。總負債 / 股東資金比率大升至446%，是由於2020年出現大幅虧損，再加上2020年頭派息開支(用作支付2019年中期股息)，都令儲備大幅下跌。因此股東權益部份，出現較大度下跌。負債本身都有增長，但幅度算合理。因此股東權益有較大收縮，故總負債 / 股東資金比率大升，係正常。我地係睇數據之餘，都要分析個基本面。數據好差，但事件係一次性，唔會做成長遠影響。這時候，個別受影響年度的指標，參考性就未必咁大。金沙(1928)長線質素，依然不變。你睇倒佢過去，無論收入和盈利都有穏定增長。而且，每年都有唔錯派息，係一隻優質平穏增長股。你見佢爭取在這個低訪客時期，加快將金沙城中心重塑為澳門倫敦人。可見集團對行業長線發展，依然係有信心。疫情開始轉好，集團生意會慢慢重回正軌。但由於疫情對整體經濟和個人收入，都有一定影響。因此，你預此股中短期都會較弱。若你有貨，長線持有係無問題。------------------------------------------------Q21643：早晨阿sir 本人月光族 每月2萬人工 每次出糧唔知錢去晒邊。見到有其他網民投稿，每月1萬作為月供股票 所以我現時出手的話 唔知距離5年滾存100萬會唔會太遲呢 月供股票可以提供3個組合 分別穩健增長 中風險 高風險 最近都有留意你既頻道介紹 所以今次決定狠下心去離開月光一族中電0002、比亞迪1211, 港燈2638, 盈富2800, 中銀香港2388，各月供$2000。未開始供 所以想問問呀sir 有冇其他組合可以選擇或替換 月光一族上龔成老師︰能夠決心離開月光族，已經是行出成功一大步。做財富增值，當然越早做越好，可以享受更多複息增長好處。更重要，係你要學懂正確投資知識，和用合適投資方法，才會有效率地達成目標。我地投資增值會運用「先增值，後現金流」作方法，初期投資較有潛力的股票，令財富較快增值，當增值到一定金額後，可開始將財富分配至平穩增值型股票，然後到已累積了相當財富後，才漸漸轉成收息型股票，為自已創造穏定現金流。因此，你在選擇應該投資那一類股票時，會係因應你人生階段、投資經驗和風險承受能力，去做決定。假設你係偏年青人士，你可以用「平穏增長股」 + 「潛力股」的組合。你現時組合中，中電(0002)和 港燈(2638)只係收息股，增長力不高，唔係咁適合這個年齡層。你可以在下面提及股票中，選擇一些適合目標，去取締這2隻股票。但留意，由於「潛力股」有一定波動性，你現時投資經驗較淺，「潛力股」比重就要相對下調，大於3成以下。到你有一定經驗，才加大至3-5成。現時大市只在合理區，每月資金唔好盡用。最好留有部份，等大跌市出現時，可以用來掃貨。------------------------------------------------Q21644： 龔老師，啱啱聽你咁講 ， 先增值後享受， 有正如所講長線投資一定會有回報，我想問你個意見，我同先生月入大約四至五萬 ，正因為而家有兩個小朋友讀緊小學 開支好大 儲錢亦唔多如果我手頭上有一間價值六百萬嘅樓居屋 係自住嘅 大概仲有一百六十萬未供完因為短時間都升值咗好多 都算係人生第一桶金，你覺得能唔能夠賣出 然後用二百萬至三百萬長線去投資 然後自己租樓住五至八年  咁到五年或者八年後 咁樣財富增值 係唔係一個好嘅選擇？ 但如果最後升值唔多，有機會而家住緊嘅屋 都會再升 。但如果我唔用呢個機會 根本就冇辦法 拎到現金去投資，拎唔到現金投資 就唔能夠錢搵錢。龔成老師︰每個人都有自住需要，如果你沽出租樓，就等同沽空樓市。由於投資都係有一定不確定性，如果你最終投資回報，係差過樓市上升幅度和這些年的租金成本，你會得不償失。我唔係話咁做一定唔得，但這個操作有一定風險存在。如果你投資經驗不多，我建議咁做。你現時情況，較穏陣做法，就睇翻自己開支和收入，有無調整的可能性。盡量放棄一些不必要開支，同時間，睇下有無可能增加額外收入，好似做兼職、網店等等。令自己每月盡量去空出一筆資金，去儲優質股，為自己財富增值。這個方法財增速度，未必有你賣樓再投資咁快，但會相對穏當，你可以自己衡量下。------------------------------------------------Q21645：想請教老師，3606， 同868 都係做玻璃，做埋都有做汽車玻璃，但點解個市盈率可以差咁遠?咁可唔可以代表3606 overprice，而868 相對合理（之前$17-$18 有，但24-25 已經放哂）後悔做左個短視嘅投機者謝謝龔成老師︰雖然2間都係做玻璃，但信義玻璃（0868）業務集中在浮法玻璃，而福耀玻璃（3606）則重心在汽車玻璃上，而且企業規模都有所不同。因此，市盈率唔可以完全直接地比較。福耀玻璃（3606）有質素，現價會略貴，如果回翻1成會較合理。相信長遠能增長，但由股近年股價上左唔少，之後股價未必是爆升模式。信義玻璃（0868）近年的增長力弱左，不過，佢在技術上的行業優勢仍在，相信長遠仍是正面，不過就未必是高增長的類別，潛力度比過往略有減少。加上佢不斷將較高增長的業務分柝左上市，令現時的信義玻璃增加，只是平穩類。現時估值偏貴，投資值博率一般，回翻近1,2成，才可以入貨。同時，你預佢中短期會比較波動，要長期先見到收成。------------------------------------------------Q21646：老師你好，有啲問題想請教你。1: 房托估值嗰時應該用 P/B 定 p/ffo 好？2: 請問 P/ffo 應該點做？可唔可以喺度教教我？可唔可以用778來做例子？3: 仲有個 P/affo 我都唔知係乜嘢嚟。有勞老師 龔成老師︰1) P/FFO會好少少，但其實2個都係一些輔助性參考指標。所謂的FFO就是Funds from operations（營運現金流），在房託中其實比盈利更有效反映真實情況。但要記住，我地重點都要睇埋佢企業質素，去了解佢將來發展情況，和租金增長能力，才去決定是否值得投資。2) 有少少似PE，佢係將P(現價)除以FFO(即經營產出淨現金流)。若指標越高，代表你所投入資金，要回本年期越長，某程度上代表越貴。3) P/AFFO是在P/FFO基礎上，作出一些資本開支相關項目的調整。由於P/FFO和P/AFFO有些複雜，不同企業在自行估算時，都會有些分別，所以用作不同企業比較的準確性，未必太高，只宜作輔助性參考。（其實，你細心想想，房託用股息率已是一個很有代表性的指標，因為佢根據「可分派收入」的9成作派息的。有時在分析時，太過複雜化，未必是好事）------------------------------------------------Q21647：阿sir, 如果在投資角度, 你覺得內地, 例如大灣區的住宅物業, 有投資價值嗎? 現時香港的樓價實在太貴, 如果在香港買樓, 會佔用我好大部分的資金。加上現時租金回報不太好，物業升值潛力又不敢肯定。其實我好喜歡黃竹坑的新樓盤， 但實在太貴，現在已經要三萬元一呎，將來真的有很大升值空間嗎？我現在約有400萬現金，80萬股票， 還有一些長線的保險公司儲蓄計劃。 我知道現金比例過多，所以想加注在股票及投資物業。上完你的堂現正整理自己的投資組合，希望阿sir可以給我點意見。龔成老師︰大灣區我未仔細研究，你都可以睇翻佢租金回報率和長線增長潛力，去決定其投資價值。黃竹坑的新樓盤，都有投資價值。因為同區缺乏大型新盤，故有一定需求存在。但呎價唔平，所以升值能力會扣少少分。其實每個人都有自住需要，最終都會買個自住物業，但當過程可以大不同。首先，你要因應自己能力(是否供得起)，實際生活需求，去決定買入什麼樣的單位。你要睇長D，講緊係5年、10年、甚至20年的人生計劃，到底要一個點樣架物業，先可以配合到你。之後，我地再制定一個可行計劃。如果你目標單位，唔係太貴，而你又有一定資金。可以買入單位之餘，有一定資金留下，進行投資增值，那計劃可以直接進行。若你現時資金較少，你可以先用優質股，去累積資金，再去置業。或者目標單位較貴，你可以先買入較細單位，之後放租。令你可以有一個物業，用以資產追資產方法，減少物業價格波動，對你購入最終目標物業的影響。另一邊，再用優質股增值，到有一定資金，就細屋換大屋。若你最終目標係一個較貴物業，你可以先買入一個細單位，做踏腳石。餘下資金，努力用優質股去增值，直到有一定金額，就去換大屋。可用「平穏增長股」 + 「潛力股」，去創造一個增值平台。平穏增長股︰盈富(2800)、金沙（1928）、恆基（0012）、平安(2318)、中銀（2388）、港鐵（0066）、長建(1038)、領展(0823)、希慎(0014)、太古地產(1972)或潛力股︰比亞迪(1211)、中生(1177)、福壽園(1448)、小米(1810)、安碩恒生科技(3067)、港交所(0388)、阿里（9988）、騰訊（0700）、ＧＸ中國電車基金（2845）。現時大市只係合理水平，扣除置業資金部份，現金和股票最好各佔一半。餘下資金，就等大跌市出現，才加大力度掃貨。------------------------------------------------Q21648：龔成老師, 講個好消息你知, 我成功上樓做業主啦! 首期主要係自己積蓄, 雖然認識你較後期, 但你的page影響左我,現在省多一蚊去投資, 未來就可以累積多10蚊的資產。最近準備供樓,開始減少日常不必要的開銷,發現原來自己都可以一個月可以用少於MOP2000, 更意識到平日的自己衝動消費的不智,日後每一筆開銷都會更謹慎, 重點係尼種有目標的節流並不會讓自己感到不開心，尼個絕對係本年度最大感悟。 現在我每個月有約MOP5000可以放到投資戶口, 以往我是全數供基金(有全股亦有股債), 至今賺5%左右, 手上亦有啲碎股(盈富, 銀娛及港交所), 但只供了一個月因置業而停供, 現在我應該:1.      停供基金, 但不賣出基金, 將月供基金的錢轉移到月供股票(盈富, 銀娛及港交所)2.      月供股票的手續費不菲, 每筆月供交易為MOP50, 另外每年MOP120保管費, 假如供股多但月供金額少, 手續費就顯得相當高昂。3.      不停供基金, 之前供的碎股繼續持有抑或賣掉呢？如上述費用顯示, 擔用閑置碎股最終會被蠶食到渣都冇。我應該賣出碎股嗎? 感謝遇上老師無私的分享及指導, 感激你影響了我的消費觀, 讓我能向FIRE又邁進一步。龔成老師︰恭喜你，成功升格為業主。現時你財富組合，完全偏向物業類，有集中性風險。但由於你剛置業，係正常。但長遠，你要將單一資產，控制係組合8成之內。到你較年長，比重更要進一步下調至6成，才算穏當。所以，你未來新資金，應集中投入股票市場，去令組合更平衡。你現時投資配置，可以先衡量翻個基金的投資策略，所投資的資產類別、投資策略、風險程度、市場、費用成本、以及過往的表現。可以睇佢過往5-10年，如果回報係比主要投資市場高，有考慮繼續投資。相反，若你預期佢長期都會差過大市，就應將資金轉去做月供股票。至於澳門月供費用係較高，你可以集中供晒盈富(2800)，去減低月供成本對你的影響。若你最終係選擇持續去供基金，原有碎股可持有。但你覺得，長遠為左個少少股票，而要定期付上一定費用不值的話，沽出都可以。------------------------------------------------Q21649：Hello 龔成sir , 我是一位39歲初學投資者，投資失利中。請問以下股票應否加注或止蝕 ？舜宇光學2手 @213吉利 1手 @27.9比亞迪 3手 @229美團 1手 @428阿里巴巴 1手 @263 移卡 1手 @100海普瑞 1手 @18.4 謝謝你龔成老師︰首先你要明白一個概念，我地持有一隻股票與否，關鍵位是企業質素、前景，不要被買入價影響。因為我地買股票就是買企業。買入價，你的賺蝕，只是一個心理因素，該企業長遠的發展，才是我地是否值得持有的重點。如果企業有質素，但股價短期下跌，就不用擔心，照持有就可以。如果企業無質素，但你現時蝕錢中，繼續持有只會令你財富繼續貶值，因此要賣出。如果企業質素轉差，就有可能要減持，因為這股佔你組合的比例，未必值得太多。你以股票，都係有質素。唔需要太過在意中短期股價波動，長線持有就可以。但你上述股票，都係潛力股類，佢地有增長力，但波動性都較大。特別係海普瑞（9989）和移卡（9923），不確定性就更高，只宜小注。以你39歲計，潛力股最多佔組合一半好了。加上你投資經驗一般，要再減少少，至3成。否則你成個組合會過份進取，風險過高。但你唔需要沽出現有股票，只要將新資金，優先投放在平穏增長型股票，去令組合慢慢平衡翻，咁就可以。------------------------------------------------Q21650：龔Sir,我要同你報喜啦，我地早2日簽左合約，買2房單位，中層484尺，由560萬講到531.8萬成交，系整個屋苑同一尺單位最抵買，而且大家都負擔到既供款。我手持股票有以下：小米 1200股 27.3入中國海洋石油 10000股 10.16入阿里巴巴 500股 283.4入7500  10000股 6.225入想問吓以上股票是否可守？7500應該只能等待?你有意見可以比我嘛？謝謝之前見你講比亞迪可以再月供翻，但我吾知應該點做，大概每月可用1000-2000做月供，因買樓後流動資金不多，亦都不想再分散太多隻股票我只係想集中買比亞迪，我本身係用渣打戶口去買，想請教一下你用邊間銀行或者證券行會比較優惠。再次多謝老師百忙中抽空去解答我龔成老師︰先恭喜你，成為業主。從財富配置角度，你現時成個組合，偏向物業部份。但初期係正常，長遠計，你要將單一資產比例，慢慢調到去不超過8成，以免有過度集中的風險。所以，你現在享受新居之餘，都要開始計劃，將未來的新資金，慢慢配置在優質股上。你現時持股，唔算係大問題。小米(1810)和阿里巴巴(9988)，可長線持有。ＦＩ二南方恒指（7500）的投資目標，係反向追蹤恆生指數每日表現。如果恆指跌1%，你就會獲利2%(另扣管理費)。但若然恆指向上，你就會虧損。我對這類產品有保留，恆指在過去數10年反覆向上，所以長遠計持有這股對你不利，一定多於有利。建議你長遠就算不全數沽出，也最好沽出大部份，換碼至其他優質股較好。中國海洋石油（0883），質素都算有，但不是最高質類別，佢對油價較為敏感，所以，如果長遠油價向上，佢都會增值的。雖然佢都有一定的規模及質素，但卻不是最高質素的企業，這是由於佢地的產品自主力較弱。石油是商品，當中沒有差異性，佢地要將石油賣出，只能跟國際油價，這令佢地處於被動狀態，沒有價格自主的能力，這令佢地的獨特性有限。這類商品企業，都可投資，但就要明白不是最高質的企業，不宜持有咁大注。同樣建議你沽部份，換碼至其他股票。以你年紀，應以增值為主。你唔好太集中一隻股票，要建立一個組合。比亞迪（1211）可以是其中一隻，但不是唯一一隻，你要考慮每隻股的%是否平衡。如果你這刻比亞迪無貨，可小注月供，你計總比例就得。即是每隻股佔你股票組合長遠的比例。但長遠，你應該建立一個更平衡的組合。大市只在合理區，你手上資金都唔好用盡，留部份等大跌市機會。匯豐與南洋商業銀行月供都可以。------------------------------------------------Q21651：老師 你好！ 2380 中國電力，我買入長期收息嗎？我銀行可以借loan, loan rate 1.5% ,咁我借loan 來買呢隻股票 轉息差 ，你覺得風險大嗎？龔成老師︰先講股票本質，中國電力（2380）作為收息股，不差的。佢主要在中國開發、建設、擁有、經營及管理發電廠。過往業務都有增長，不過盈利有少少波動，主要受成本及定價因素影響。這股增長力不強，但作為收息股，這股不差，現價合理，都有長期持有的價值。你現時借貸利率不高，的確可以因此創造息差收入，但你要留意幾點。首先，你借貸利率是否固定，若將來加息，你息差優勢，就會被削弱。另外，雖然現時有不錯息差存在，但股息並非保證。而且，大市只在合理區，難保會出現「賺息蝕價」的情況，你要明白這些風險。最後，就算你要實行這個計劃。選擇收息股時，唔好集中晒係一隻，要分散幾隻不同行業的收息股，才會做到分散風險的效果。------------------------------------------------Q21652：老師，想問下6098前景和什麼價位屬於平。另外亦都想問下必瘦站還是2138比較好,我之前是2138職員，覺得前景也不錯龔成老師︰碧桂園服務（6098）由碧桂園（2007）分拆上市，主要於中國提供物業管理服務等服務。例如包括保安、清潔、綠化等，物業管理組合涵蓋住宅物業、商業物業、寫字樓、多功能綜合樓、政府及其他公共設施、產業園、高速公路服務站、公園及學校。佢無論在業務本質、規模、品牌、財務數據、前景，都是理想的，反映這企業有一定的質素。加上有一定的現金流，背景發展等，投資價值絕對有，相信這企業的前景不差，有長線投資的價值。但要留意，行業有時會有較大的炒作，股價上落大，要注意風險，而整體是有長線投資價值的。現價算係貴，最好等回1,2成，才開始小注儲貨。要回到平宜區，最少要回多4,5成。必瘦站(1830)和香港醫思醫療集團（2138）都係有質素，相信業務發展都會不差，長遠有增長力。如果你對2138較了解，你可以考慮投資佢都可以。但2隻股票，現價計都係貴。香港醫思醫療集團（2138）要回多1,2成，才算合理區頂。而必瘦站(1830)最多回到$4左右，才開始慢慢入貨，會較理想。------------------------------------------------Q21653：老師老師，我剛發現我媽係過去一個月不停買入0803（昌興國際），我睇返個股價係咁跌，我怕係伏股，可唔可以比d意見我。龔成老師：這股質素不佳，年年虧損，過往又供股又合股，同埋2019年度、2020年度，核數師意見為「不表示意見」，反映佢盤數「有古怪」。叫佢自己小心D啦，問翻佢，點解入股一盤不停蝕錢的生意？------------------------------------------------Q21654：你好，我有 2隻股票想問下 想睇下你點睇 ，9698 100蚊買  1044 65蚊 買 ，2隻都蟹左唔少，仲破底跌，點做好...龔成老師︰唔好太睇重買入價，因為當你購入一隻股票後，你是否繼續持有，關鍵位是企業質素、前景。買入價，只係一個心理因素。萬國數據（9698）有質素的。佢的業務為開發及營運數據中心，根據佢公司提供的資料，佢係全中國最大的運營商網絡中立數據中心服務提供商，市場份額約2成。現時主要通過GDS上海、GDS北京及其子公司進行該等業務。GDS北京及GDS上海各自持有經營業務所需的互聯網 數據中心牌照。佢提供託管和管理服務，包括創新和獨特的託管雲價值主張，機房面積為266,260平方米，有一定的規模。見佢生意有一定的增長，行業前景正面，有長線投資價值。出現帳面虧損原因，主要係你買入價過高。現時下跌，純粹係股價回至較合理水平。暫時守住先，除非貨太多就考慮減。恆安國際（1044）主要業務為在中國生產，分銷及銷售個人衛生用品，零食產品及護膚產品。恆安擁有多個品牌，如「心相印」、「安而康」、「品諾」、「安爾樂」等，而業務大致可分為紙巾產品、衛生巾產品、一次性紙尿褲產品、零食產品。恆安具有品牌，又處於增長中的市場，前景不俗，故此企業為不錯的優質股。不過，市場競可能令毛利略為受壓，但相信隨著此企業發展更多較高毛利產品，影響不算大。未來成本上升，令佢略有風險。整體而言，長線有投資價值，可以守。------------------------------------------------Q21655：龔sir:您好，尋晚上咗你個堂，因為太多同學啦冇時間問你，所以喺呢度問你，你可以慢慢解答。講到供股部份若果唔供，股價就會跌，如果咁是否係應該喺供股日前賣出呢？Thx!另外想問9928質素如何，可否長期持有。龔sir:今日重溫左你尋晚上嘅堂，知道供股要睇返企業嘅前景、目的、誠信、過往記錄、家族控制因素，及檢視此股佔投資比例嘅多少，己消化了。龔成老師︰其實供股，就係而家發一些新股票，向現有股東再集資。你有權選擇買這些新股(即係供股)，或者不買。由於會發行新股，令每股盈利被攤薄，股價會因此而下跌。但個原因唔係個企業質素，出左問題。而係每一股的價值，被這些新股分薄左，所以才出現下跌。因此，我地係唔會因為供股，而去沽一隻股票。當然，佢進行得太多，例如5年內出現2次，我地就要對這些股票較為保守。你最重要睇「質素」。如果佢有質素，其實可以持有而所謂的下調，其實是一個調整，你到時會收到供股權，如果你不想供但又想持有該股，可以賣出去對消股價下調的因素。至於時代鄰里（9928），佢係由時代中國控股（1233）分拆上市，主要在中國從事提供物業管理服務及相關服務。業務不差的，過往財務數據，生意與盈利都有理想增長，前景正面，有長線投資價值。------------------------------------------------Q21656：想問下有邊隻晶片股比較好的？老師請問1919現貨可入嗎？龔成老師︰你可以考慮買台積電(TSM)，佢係一間有質素架企業，在全球半導體業界有領先地位。集團專注生產由客戶所設計的晶片，現時已經是全世界最大的專業積體電路製造服務公司。如果你睇好半導體發展，可以月供，並長線持有。中遠海控（1919）主要從事提供集裝箱航運、集裝箱碼頭管理與經營服務。整體的質素算是不過不失，雖然在行業有一定的規模與優勢，但行業整體的賺錢能力無過往咁強。經濟好轉會對佢有利，因為始終是對經濟較敏感的行業，現時的股價已反映相關利好因素。股價大升後，其後之後較難有高增長，因為已反映了利好因素，反而預佢之後轉為平穩增長。現價略貴，回2,3成會合理翻d。------------------------------------------------Q21657：龔sir， 嚟緊會上你嘅堂不過有啲嘢等唔切想而家問,留意到比亞迪管理層講過，未來會分拆半導體業務上市，而吉利亦會分拆極氪智能電動車上市，瑞星會分拆光學業務咁即係話佢原本呢啲賺錢業務嘅財務會獨立左反映出嚟，咁對於本身嘅1211，175，2018， 佢哋自身嘅 價值或者估值係咪無原先咁高 ? 因為原本擁有嘅嘢已經拆咗出嚟，少咗一樣嘢喺身上。  多謝龔sir解答龔成老師︰其實這些分柝動作，有好有壞，當一間企業擁有一些資產，市場未必完全能反映到這資產的價值，如果分柝比佢一個獨立地位，就能釋放當中的價值，從而提高了整間企業的價值。另外，分柝上市能得到資金，而上述的幾間公司，都處發展期，希望得到資金去進行發展，當投資發展新業務，長遠能為企業帶來更大利益，對企業就有利。當然，分這動作如同賣出該資產的部分構益，的確有可能減少了企業的賺錢能力，但就好睇企業如何運用得來的資金。另外，就算分柝上市，企業一般仍會擁有控制權，因此不影響企業在決策方面的發展。至於會計上，要睇翻母公司會持有多少權重，才知道會否將這些分拆部份的財務數據，全面反映在母公司年報上。但這個只是會計上，最重要係公司將這些有潛力部份上市，可以釋放其價值之餘，可以集資到一筆資金，去持續發展。當然都有機會影響佢估值，令中短期股價較為波動。但長線而言，對集團是正面的。------------------------------------------------Q21658：我係新手，諗住1833從高位140回調左25%可以入貨，點知一直都跌落去。呢三個月股市既氣氛都好差，係咪常有既事情？ 氣氛係咪又會突然之間轉好？明明睇左你既書，要控制注碼，但都係心急⋯龔成老師︰記住，我地投資唔好受氣氛所影響。而且，更加唔好去估個走勢，會唔會突然變差，或者變好，咁係好危險。我地永遠都只會用「企業質素」和「平貴度」，去作投資決定。平安好醫生（1833）長遠有發展力，但股價在中短期，會十分波動，因為市場以「前景」作估值，故此變化必然很大。好難得出平貴的準確數，只能估估下，作參考。因此，你緊記要控制注碼。如果你持貨佔組合，已經有一定比重，就算再跌，都唔好再加注。再加注表面睇，係好似溝平左個買入價。但實際上，你係將更多資金，投入一隻高風險的股票，令自己風險再進一步提高。------------------------------------------------Q21659：老師你好，想請教你一的問題。我媽媽係年幾2年前0.97買左1560星星地產，買完一直跌 依家0.45。應該點做好?同8188。0.6買。依家得0.138龔成老師︰星星地產(1560)主要在香港從事物業發展及物業投資、提供物業管理服務及提供融資。佢唔係全無質素﹐集團規模細，盈利唔多，而且都較波動。投資價值一般，若你媽媽持貨較多﹐建議沽出部份，換至其他優質股。若只係好小注，勉強都可以持有。駿傑集團控股(8188)主要於香港從事以下地下建造服務，如隧道建造、地下煤氣管有關的地下公用設施的建造與翻新服務等。企業規模好細，而且過去多年出現虧損情況，見唔到有投資價值，建議沽出。------------------------------------------------Q21660：如何建立穩定和長久的被動收入？龔成老師︰當我地進行人生財富累積，會運用「先增值，後現金流」作方法，年輕人應投資較多增值類資產，而較年長的，則應投資較多保守類項目，因為年輕人的財富系統未成形，同時負擔較少，可承受的風險度較高，所以會著重增值為先。例如初期投資較有潛力的股票，令財富較快增值，當增值到一定金額後，可開始將財富分配至平穩增值型股票，然後到年紀漸長或已累積了相當財富後，才漸漸轉成收息型股票。你現時2X歲，先用優質資產，如有增長力的優質股、物業等，去累積一筆資金。到有一定數量時，就將佢地慢慢換成優質的收息類資產。這些收息資產產出的現金流(如租金、股息、利息等)，就是你的被動收入。----------------------------------------------若你有問題想向本人發問，可在龔成的fb專頁中（www.facebook.com/80shing）inbox龔成，但要注意如無特別聲明，有可能將問答放上網，當然，會將發問者的身份，以及有關個人資料的部分刪去。另外，我所給予的各種意見，只是供大家參考，當中無任何銷售及推介，不涉及任何利益，其實大家應該要有獨立分析的能力，我只是給予一些方向及純參考模式。由於提問人數眾多，見諒無法即日回覆，如果是普通的提問，預起碼要7天以上才能回覆，若然是較複雜的提問，起碼要10天才能回覆，希望各位能諒解。

Question 3

樂宅萬國 在Facebook 的評價

Accepted Answer

「地獄空」攝影集即將在八月中元節前出版，由知名設計師與攝影家黃子欽設計，內附在下二位高徒精美繪製符咒、心經版畫書籤、愣嚴咒牌、尊勝咒語...等，感恩十方大德助印，希望疫情退散，平安喜樂，後記如下：

野放台灣五十餘年，貪狼獨坐，三方四正殺破狼格局，少年多舛，白手起家，隨展覽雲遊四海，如閒雲野鶴常持各類底片機流連廢墟、山川、宮廟忘返，遂設幻影堂自詡堂主，一日三省「凡所有相皆是虛妄」，常宅於暗房沖片放大通宵、鍾情黑白世界之單純，彩色照片俗世繽紛花俏做作甜美甚至比現實更現實故少拍也。知天命之年有餘，了悟人生一瞬、眨眼即逝，雖非仙人，亦無道骨，初聞離垢地生清淨心，但離華嚴「不動地」尚遠，待修持也。
2017年盛暑拍畢《巨神連線》，心律不整差點心肌梗塞向閻羅王報到，意識死神隨伺在側，人生苦短，如何了生脫死、盡斷煩惱、無所罣礙、遠離顛倒……總不得解，蒙釋迦摩尼佛開示飆淚三晝夜，聞佛法數載始知自我渺如塵埃，甚感慚愧。閒暇乃參訪名寺古剎，禮敬焚香佛陀菩薩羅漢諸神天仙王爺媽娘，台灣宮廟千奇百怪、宗派錯綜複雜（佛教、道教、一貫道、天主教、基督教、齋教、回教＆大同教、儒教鑾堂、天帝教＆天德教、慈惠堂＆勝安宮、軒轅教、道院、理教、萬國道德會、會靈山……）、神棍橫行（依人不依法、偶像崇拜、斂財、邪淫），因歷史變遷、社會動盪、政治鬥爭、意識形態等因素導致佛道混雜，但地獄造景稀少，後專注拍攝各殿閻王、判官、陰司、獄卒、七爺、八爺乃至一切罪人，各寺造景巧妙、耐人尋味，意境乖張溢於言表，造型扭曲非常人所能塑也，然匠心獨運、自成一格，專研西方藝術數十載方知真誠樸拙最美，絲毫不輸喬托（Giotto di Bondone，1267～1337）乃至米開朗基羅（Michelangelo Di lodovico Buonarroti Simoni 1475 ~ 1564）矣。

創立於1986年的石門金剛宮風景優美可眺望北濱，雖主祀四面佛，儒釋道眾神尊也不含糊，可過七星橋解厄、繞行五百黝黑羅漢敲鑼印心、跪拜亞洲最大臥佛涅槃像，安太歲自不在話下，甲子太歲爺雙眼長出手掌印象甚深，1994年經閻羅王指示廟公建造一條肚內設極樂世界及陰曹地府之神龍，行走暗黑通道觸動感應機關，只見面容猙獰受刑者呼天搶地喊冤、身邊盡是血肉糢糊殘肢敗屍腦漿塗地，十殿閻羅各司其職、威儀攝人。新北市林口區青嶺湖北文紫祥宮包公廟則以壁面彩塑地獄浮雕獨步全台，粉嫩色彩搭配卡漫風格，尤為造型簡直恐怖到可愛透頂，該廟主祀森羅殿閻羅天子包拯（包青天），陽世冤屈者可至此參拜祭解，求破懸案者眾，逢中元普渡皆以紙紮船渡亡魂至彼岸，全台唯一閻羅天子巨像籌備中，四周環繞墓地，適合修不淨觀也。台灣首尊彰化八卦山大佛旁南天宮（1971）地府則是首座電動地府，規模精小但驚嚇度破表，略顯破敗但五光十色仍蠻凶悍，出自已故台南大道長金登富之作，而電動神明起始可追溯至1960年代北港朝天宮。倒是嘉義水上鄉白人牙膏觀光工廠「戴相府」、「將軍府」設置十殿地府出乎意料之外，乾淨亮麗、ㄧ殿ㄧ間、簡單樸實。由高雄蓮潭龍虎塔龍口入內可見全臺唯一交趾陶地獄牆面，尊尊栩栩如生，續入龍身乃進聞聲救苦白衣觀音大士三十三化身浮雕隧道，造型設色甚為古錐。高雄大岡山超峰寺入口處「西方三聖蓮池海會」（阿彌陀佛、觀世音菩薩、大勢至菩薩巨像）旁設靜態十殿閻羅（1970年代初），雖略為陳舊然韻味猶存，續往上行可抵「證菩提道－釋迦如來應化事迹」雕塑園區，一攬世尊畢生精華。如來年邁時，琉璃國王為報長期被釋迦族輕蔑之傲慢心，世尊雖三次單獨伽跌坐阻擋大軍進攻之路，但因緣果報無法逆轉，昔日婢女所生王子瞋恨無以復加，還是滅了祖國。自持神通第一目犍連不忍無辜百姓慘遭屠殺，遂以缽盛救度五百族人，最終卻化為血水，佛言神通廣大仍不敵千百劫業力，因緣果報屢試不爽。其母死後墜入餓鬼道飢餓難耐，目犍連遂展神通救渡，但所食尚未入口皆化為赤火，佛陀囑咐農曆七月十五日僧眾解安居自恣日，於盆中設甘露美食供養十方僧眾，因此超度亡母。後世「盂蘭盆法會」乃至「水懺法會」、「瑜珈焰口法會」皆為消業障、斷塵垢之超渡儀軌，既渡亡魂也自懺悔。

台南麻豆代天府規模宏大、造型豔麗，不但可遊十八層地獄尚可逛天堂（1979年興建，1983年開放)，燈光絢爛、聲響駭人，獨自漫步宛如觀落陰、地獄走一回。先過「心頭山」、入「清心池」、進「陰陽界」、抵「交簿廳」、達「鬼門關」、遊「補經所」、探「枉死城」、行「奈何橋」，至ㄧ殿泰廣王照「孽鏡台」現造惡原形，睹抱柱、火床等小地獄。二殿楚江王開「陰查簿」判案定奪，觀糞尿泥、餓鬼、舞池、寒冰、膿血、鞭韃、舌犁、劍葉、戟腹拋接、砧截……等小地獄。三殿宋帝王刑罰為倒吊、銅鐵刮臉、挖眼、搗樁、倒烤、吸血、穿肋、抽筋、蛆蛀等小地獄……兼遊「四生（胎、卵、濕、化）回魂府」。四殿五官王掌管腰斬、拔舌、沸湯、刺嘴、剝皮、箭樹、車崩、射眼……等十六小地獄。隨五殿森羅王豋「望鄉臺」回眸親人最終眼後觀擊膝、誅心、刀山、飛刀火石……小地獄。六殿卞城王別稱「大叫喚大地獄」，轄火牛、虎啖、噬腎、鉗嘴含鍼、釘喉、磨摧、砍頭……等小地獄。七殿泰山王為「熱惱大地獄」，窺烙手指、抽腸、頂石蹲身、油釜滾烹、割舌穿腮……等十六小地獄。八殿都市王掌管「大熱惱大地獄」兼火狗、鐵汁、鐵蛇、鋸劈斷肢、釘板、灸脊、鐵丸、磅秤……等小地獄。九殿平等王直轄十八層「阿鼻大地獄」，直透地心、內中陰森、不見五指、滿溢地漿，皆為極犯，另轄紫赤毒蛇鑽孔、夾頂、鐵鴉、針雨、蜂蠍……等小地獄。至十殿輪轉王上「觀生臺」、「轉劫所八司」（查驗司、稽善司、考過司、恩怨司、壽命司、支配司、掌劫司、授生司）後至「孟婆亭」飲「醧忘湯」忘盡前塵往事，依前世功德過金、銀、玉、石、木、竹六種橋樑至「轉輪臺（紫河車）」入六道輪迴轉生投胎。據《十八泥犁經》記載，人過世後七七四十九天為「中陰生」，經閻羅王審判善惡業力判定去留或懲罰百千萬劫，犯五逆重罪則墮入「無間地獄（阿鼻地獄）」永劫不復。地藏王乃幽冥教主，統轄十殿閻羅，逢三曹普渡便在各殿設「講道所」超度尚存善根之鬼魂。

人類居於五趣（阿修羅、人、傍生、餓鬼、地獄）雜居地五濁惡世之堪忍世界，犯十惡業（殺生、偷盜、邪淫、妄語、兩舌、惡口、綺語、貪慾、嗔恚、愚痴）者必墮三趣惡道。如何出「三界」（欲界、色界、無色界）二十八天？凡人無此意識，別說能破「十二因緣」（無明、行、識、名色、六入、觸、受、愛、取、有、生、老死）還滅門，更別想斷除「四聖諦」（苦、集、滅、道）集地八十一品見惑與八十八使思惑（五利使-身見、邊見、邪見、見取見、戒禁取見、五鈍使-貪、瞋、癡、慢、疑），了悟「五蘊」（色、受、想、行、識）本空、「十二入」（眼、耳、鼻、舌、意、色、聲、香、味、觸、法）空、「十八界」空，破俱生我執與分別我執、法執甚至空執，生十一處「善心所」（信、精進、慚、愧、無貪、無瞋、無痴、輕安、不放逸、行捨、不害），降二十六處「惡心所」（貪、瞋、癡、慢、疑、惡見、忿、恨、覆、惱、嫉、慳、誑、諂、害、憍、無慚、無愧、掉舉、惛沉、不信、懈怠、放逸、失念、散亂、不正知），須知善根斷盡則陷永劫輪迴、無垠轉世之苦。

地獄可能空滅嗎？若地獄空乏人間多鬼怪，地獄淨空世間何嘗非淨土？若能證空性何處現地獄？

地獄曠古來便廣泛流傳各部族間，老死生滅為自然運行之基礎、宇宙意識之核心，然今文明昌盛如咱城邦並非慾望消弭之所，惡性所及實無可根除，礙於憲法國家法律社會軍隊企業公司學校家庭團體之層層束縛不亞於十八層，乃遁於壓抑、束己情懷，暗埋心底、日久貪嗔痴慢疑怨噌會疊穢。而六塵未熄，心多妄念，妖魔鬼怪魑魅魍魎孤魂閃靈出沒於荒郊乃至人間，會靈於曠野密林以增性靈乃出世高人修煉之舉，我等凡人擅闖宛如迪士尼般之人造地獄，三魂七魄尚不足以出竅，驚邪恐怖淒厲猙獰倒滿足了自以為是的慚愧，豈不謬哉？

病毒肆虐年半有餘，全球確診者逼近一億八千萬，枉死者近四百萬，堪比戰爭規模，望眾生發慈悲心、令往生者安息、善待其他物種、平等有情眾生。地獄本空，唯妄念生起一切羨慕嫉妒恨而地獄現前。盡以此書作為世界新冷戰獨裁者、超限戰者、暗網駭客、陰險狡猾冷嘲熱諷落井下石者之良知備忘錄矣。

姚瑞中寫於2021年端午節

Postscript

I have been living recklessly in Taiwan for more than fifty years. According to Zi Wei Dou Shu (Purple Star Astrology), Tan Lang is the sole star in my house of Self. This star, which represents xxx, forms an equilateral triangle with that star Qi Sha and Po Jun on the square chart and constitutes a Sha Po Lang pattern. The pattern indicates a kind of turbulence and change, a life of wandering with ups and downs and it tells a lot about my life. After my ill-fated youth, I started from scratch and traveled around the world with exhibitions that I participated. Like a flaneur, I wandered around ruins, nature, and temples with every type of film camera obliviously. Thus, I founded the Hall of Illusion and claimed to be the master of the hall. Several times a day, I pondered a quote from the Diamond Sutra, “Everything with form is unreal.” In addition, I usually stayed in the darkroom developing film and enlarging those negatives overnight. However, I treasured the simplicity of the black and white world. The earthly, gaudy, garish, phony and pleasing qualities within colored photos make the images even more realistic than the real world. It is not my cup of tea, so I seldom took colored photos. In Confucian thought, the age of fifty marks the stage knowing the mandate of Heaven. I am now at my fifties and realize how ephemeral human life is. However, I am not an immortal, nor having sagelike characteristics. I just learned that the stage of stainless (the second bhūmi) and develop a pure mind that is free from doubt and defilement. However, I’m still far from the immovable state and need to practice.

In the summer of 2017, after filming the work Incarnation, I experienced a severe heart rhythm problem which almost triggered myocardial infarction and could have killed me. Consequently, I realized that death was waiting for me and the life is too short to figure out how I can liberate myself from the cycle of Birth and Death. I couldn’t comprehend how to be free from all afflictions and worries and how to avoid delusive ideas. I wept for three days and nights after being enlightened by Shakyamuni Buddha. Up to the moment, I felt ashamed that I failed to realize that the self is as insignificant as dust after these years learning and practicing Buddhism. Since then, I have visited famous temples and monasteries in my spare time, worshiping Buddha, Bodhisattvas, arhats, and all the deities and immortals. Taiwan’s temples are myriad with a enormous number of sects, including Buddhism, Taoism, Yiguandao, Catholicism, Christianity, Chinese religions of fasting, Islam& Baháʼí Faith, Confucianism, Tiandiism& Tian-De Teachings, Xiwangmu cult, Yellow Emperor Sect, Precosmic Salvationism, Liism, World Wide Ethical Society, séance cult, etc. Some people even claim that they can mediate communication between the deities or spirits of the dead with human beings, having their believer rely on themselves instead of the orthodox dharma or dogma and pay excessive respect and admiration for the mediums or objects, accumulating wealth through such an unfair means or even harassing their believer sexually. Due to Taiwan’s historical changes, social turbulence, political struggles, and ideological issues, Buddhism and Taoism are somehow mixed. However, there are few emphases on the concept of the hell. As I took photographs of Yama of each court, judges, wardens of the underworld, jailers, General Fan and Hsieh (the ghost escorts) and all sinners, I found few temples cleverly created hellish scenes that are intriguing, exaggerating, and extraordinary. However, the creations are unparalleled unique. I have been studying Western arts for decades and then I came to realize that simplicity makes the most beautiful works of art. These hellish scenes can even compete with works of Giotto di Bondone (1267-1337) and Michelangelo Di lodovico Buonarroti Simoni (1475-1564).

Jingang Temple Shimen District, founded in 1986, overlooks the beautiful North shore. Although the temple is mainly dedicated to Phra Phrom (the Thai representation of Mahabrahma), spirits of Confucianism, Buddhism, and Taoism can also be founded in the temple. The worshipper can go cross the Seven Star bridge to relieve bad luck, walk along the five hundred arhat statues and knock on the gong to affirm one’s Buddha nature. Furthermore, the worshipper can also prostrate themself before Asia’s largest statue of Buddha in Nirvana (the Reclining Buddha statue) and pacify the Taoist Tai Sui deity of the year. I was impressed by the Jia-Zi Tai Sui General that a pair of palms grow out of his eyes. In 1994, the biō-kong (the person taking charge of the temporal affairs of a temple) received a divine inspiration from Yama (the King of Hell) that he had to build a sacred hall in the shape of a divine dragon, with the interior designed according to the World of Ultimate Bliss and the Underworld. When the visitor walks in the dark hallway, they will see the tortured people (dioramas, of course) scrunching their faces and crying bitterly and loudly in excessive grief as the visitor triggers the mechanism. One will even find them in the midst of flesh, body liquid and blood, mutilated limbs, and rotten corpses. While each of the ten Yamas are focusing on their own duties, showing their sacred dignity that collect visitors’ attention. The Baogong Temple in Linkou District, New Taipei City exclusively features colorful depiction of hellish scenes in relief in Taiwan. With its pastel shades and cartoon-like style, the relief is both grotesque and adorable at the same time. This temple is dedicated to Bao Zhen (also known as Justice Bao) representing the incarnation of Yama. Living people who have been treated unjustly can come worshipping Bao Gong and receive exorcism. Therefore, many people come here for seeking to solve unsolved cases. In Zhongyuan Festival (the ghost festival), the temple will burn the Zhizha (paper craft) boat to ferry the ghosts to the other shore, which is the shore of enlightenment. The only giant statue of Yama in Taiwan is still in the making. The temple is surrounded by a cemetery, suitable for meditating on the loathsomeness and impurity. Nantian Temple (1971), located next to the Eight Trigram Mountains Buddha in Changhua, features the first animatronic underworld. Despite the small size, the animatronic underworld is intensely shocking. Though it’s slightly worn, the colorful dioramas are still brutally ferocious. The creator was the late venerable Dao Zhang (Taoist priest) Jing Deng-fu while the origin of animatronic deities can be traced back to the 1960s Beigang Chaotian Temple. On the contrary, the Whiteman Toothpaste Tourism Factory in Shuishang Township, Chiayi, features ten Yamas with individual booth. The place is unexpectedly clean and polished yet keeps a simple and modest tone. Then, the Dragon Pagoda of the Dragon and Tiger Pagodas at Lotus Lake in Zuoying, Kaohsiung, holds the only relief of hellish scenes made of Kochin ceramic. All the figures are vivid and life-like. If one goes further into the pagoda, they will see a relief tunnel of the thirty-three incarnations of the white-robed form of Guanyin (Avalokiteśvara) on a white lotus, with a lovely and interesting design. Another Hall of Yama is built in the 1970s next to the entrance of Dagangshan Chaofeng Temple, located in the Alian District of Kaohsiung. Visitors will also see three statues of the Three Holy Ones of the Western Pureland (Amitābha, Avalokiteśvara, Mahāsthāmaprāpta) which assemble at a lotus pond. Although the hellish scene looks somewhat antiquated, you may still find its previous charm. If one goes further, they will reach the sculptural garden of “Attaining the Bodhi Way: the Incarnation of Sakyamuni Buddha,” where the visitor can see the essence of Bhagavato’s (meaning the Blessed one, one of the common epithets for Buddha) life. When Tathāgata (another epithet for Buddha) was old, the king of Kosala wanted to avenge the arrogance of the tribe of Shakyas who had long despised him, regarding him as a son of a maiden. Although Buddha has sat in lotus position alone three times to stop the army from attacking his tribe. However, one can never reverse the cause and following karma. The prince born of a maiden was so furious that he eventually destroyed his homeland. Maudgalyāyana (one of the Buddha’s closest disciples), who is said to have had supernatural abilities that surpassed the other disciples, could not bear to see the slaughter of innocent people. Thus, he saved five hundred people of his tribe with a pātra (an eating utensil of Buddhist monks). Unfortunately, everything he did was in vain, those who were saved eventually turned into a puddle of blood. The Buddha said that the supernatural abilities cannot surpass the power of karma. The cause and effect work all the time. When Maudgalyāyana’s mother fell into the path of hungry ghost, he used his supernatural abilities to save his mother from hunger. However, all the food turned into fire before being fed to his mother. Later, the Buddha commanded the monks to put nectar and dishes in a basin on the 15th day of the seventh month in the lunar calendar for the monks from all directions to free his mother from reincarnation. In later times, the Ullambana Dharma Service, the Compassionate Samadhi Water Repentance, and the Yoga Collection for Feeding the Searing Mouths Dharma Service are rituals to eliminate karmic hindrance and to cease to worldly delusions. Through such practices, one can free the dead as well as confess their repentance.

Madou Daitian Temple is a magnificent and colorful temple in Tainan. Not only can the worshippers visit the eighteen levels of Hell but also the Heaven (it was built in 1979 and inaugurated in 1983) here. The lighting and sound effects are stunning and frightening. When walking alone in the space, one may feel like taking a Guan Luo Yin trip (a Taoist necromancy which leads people’s spirits to hell and communicate with the dead ones) to visit the underworld prison. Before arriving the first court of the underworld, the visitor will walk through the Mountain of Heart Summit, the Pure Heart Pond, the Frontier between the Living and the Dead Realms, the Soul Registry Hall, the Portico of Demons, the Center for Complementary Teaching of Canonical Books, the Citadel of Premature Death, and the Bridge of Vanity. When one arrives at the first court, they will see King Chin-guang, who is in charge of the court, using the Mirror of Retribution to show the earthly form of evil creatures and also witness the sub-hell of Pillar-Holding and Fire Bed, etc. At the second court, King Chu-jiang collates the register of sins the souls of the dead have committed to impose the punishments. Here, you will see the sub-hell of Excrement and Urine, Hungry Ghost, Burning Dance Floor, Ice, Pus and Blood, Whipping, Tongue-Raking, Sword Blade, Stomach-Piercing, Chopping, etc. Next, the dead at the third court, ruled by King Song-di, will receive the punishments including inversion tortures, face-skinning with steel and copper knife, eye-wrenching, pounding, blood-sucking, rib-piercing, roasting, tendon-taking, being eaten by maggots. The visitor can pay a visit to the Palace of Soul-Resuscitation for the Four Forms of Creatures (birth from an egg, birth from a womb, birth from moisture, and birth by transformation). King Wu-guan is in charge of the fourth court. There are sixteen sub-hells at the fourth court including Waist Chop, Tongue Removal, Boiling Pond, Mouth-stabbing, Skin-peeling, Sword Tree, Burning Wheels and Cart, Eye-shooting, etc. Next, at the fifth court, sinful souls are allowed to ascend the Tower of Hometown-Viewing to take a final look of their family. The visitor will witness sub-hells of Knee-striking, Heart-slicing, Blade Mountain, Flying Swords and Burning Stones, etc. The King of Bian City takes charge of the sixth court, which is also known as the “Great Hell of Screaming,” with sub-hells including Fire Cattle, Tiger-Biting, Kidney-Eating, Mouth-Poking, Throat-Nailing, Iron Mill, Decapitation, etc. The King of Tai-shan is in charge of the seventh court, the “Great Hell of Heat and Fire.” The sixteen sub-hells at this court include Finger-Searing, Bowel-Hauling, Stone-Bearing, Boiling Oil, Tongue-Removal and Cheek-Piercing, etc. Next, the King Du-shi is in charge of the eighth court, the “Great Hell of Intense Fire and Heat,” and the sub-hells including Fire Dogs, Molten Iron, Iron Snakes, Dismemberment, Steel Spikes, Burning-Marrow, Iron Ball, Scale, etc. The ninth court is ruled by the King Ping-deng. It is known as the biggest court, Avici Hell (the Hell of Incessant Suffering), which if the lowest level of the hell realm and the interior is gloomily and terrifyingly dark. Those who committed the most serious evil deed will be sent to the Avici Hell. Sub-hells such as Poisonous Snake, Brain-Removal, Crow-Gnawing, Raining Needles, Wasps and Scorpions are included at this court. After arriving the tenth court, ruled by the Great King of the Reincarnation Palace, one can visit the “Observatory of Life on earth” and the “eight bureaus of the Reincarnation Palace” (including the Bureau of Judicial Control, the Bureau of Good-Actions, the Bureau of Bad-Actions, the Bureau of Debts, Gratitude, and Vengeance, the Bureau of Longevity and Destiny, the Bureau of Familial Ties, the Bureau of the Reincarnated, and the Bureau of Birth). The sinful one will be sent to the Pavilion of Mengpo and made to drink the Soup of Forgetfulness to forget all past affairs. According to the sinful one’s merits of previous life, they will go across one of the six bridges (gold, silver, jade, stone, wood, bamboo) to the “Reincarnation-Wheel (Wheel on the Crimson River).” Finally, one is able to reborn in the six realms. According to the Aṣṭadaśa nāraka sutra ( the Eighteen Hells Sutra), after one passes away, they will enter an intermediate and transitional state between death and rebirth, known as antarābhava in Sanskrit, for forty-nine days. The being will be evaluated by Yama, who will decide if one should get reborn or get punished at the hell. Those who committed the Five Grave Offenses (killing one’s father, killing one’s mother, killing an Arhat, shedding the blood of a Buddha, and creating a schism within the community of Buddhist monks and nun who practice for attaining enlightenment.) will be sent to the Avici Hell and stay there eternally. Kṣitigarbha is the Lord of the Nether World, ruling the ten court of Hell. The lord will set up the “Hall of Teaching” at each court to salvage those sinful ones who still obtain few merits at the offering rituals.

Human beings live the Sahā world (sahāloka in Sanskrit, meaning “endurance of suffering,” a concept of mundane world in Mahāyāna Buddhism) where they share with other reincarnations (including beings of the hells, of the preta, and of malevolent nature spirits) with five turbidities (the Kalpa turbidity, the view turbidity, the affliction turbidity, the living beings turbidity, and the life turbidity). Those who commit the ten evil deeds (killing, stealing, adultery, lying, using immoral language, slandering, equivocating, coveting, anger, and false views) must fall into the three evil paths (animals, preta, and hell). However, how can one escape from the three realms/ twenty-eight heavens (including the six heavens of the desire realm, the eighteen heavens of the form realm, and the four heavens of the formless realm)? Worldly people who don’t have such an awareness cannot leave the cycle of the twelve nidanas (meaning causes or motivations), let alone eliminate the eighty-one afflictions (that have been produced due to misunderstanding regarding reality) and the eighty-eight illusions (including five afflictions of advanced practitioners, also known as five views: view of self, extreme view, evil view, view of attachment to views, and view of morality; and five unintelligent temptations: desire, anger, stupidity, arrogance, and doubt) of thought within the three realms and four Arya satyas (noble truths, including suffering, arising, ending, and path). They cannot realize that the essence of the five skandhas (referring to aggregates of clinging, including the matter of form, sensation, recognition, mental formation, and consciousness) , the twelve ayatana (meaning sense base, including six internal bases: eye, ear, nose, tongue, body, and mind and six external bases: visible objects, sound, odor, taste, touch, and mental objects), and the eighteen dhātavah (meaning compositional elements of human existence, including six consciousness, six faculties, and their objects) are the emptiness and the void. Furthermore, they cannot dispel the two reasons for clinging to the idea of the self and the attachment to elemental constructs and even believe in the two (false) tenets that that karma and nirvana are not real and that the ego and phenomena are real. As a consequence, they fail to develop the eleven wholesome mental factors (faith, energy, conscience, being ashamed, non-attachment, non-aggression, non-delusion, calmness, equanimity, conscientiousness, and non-injuriousness) and cease the sixteen unwholesome mental factors (desire, greed, anger, delusion, arrogance, doubt, wrong view, wrath, enmity, hypocrisy, vexation, jealousy, parsimony, deceit, flattery, harming, ambitiousness, stupidity, lacking of faith, idleness, being unrestrained, forgetting, distraction, non-discernment, ). One must bear in mind that once all our virtuous roots are discontinued, they will be trapped in the never-ending reincarnation and the suffering of infinite continuity.
Is it possible that the hell will be empty one day? If the beings in hell will become extinct while evil spirits inhabit the mundane world, the world could be considered as a pure land. If we could witness the nature of the void, then hell will exist no more.
Since ancient times, the concept of hell has been widely spread among all tribes. Aging, death, beginning, and end are the basis of nature and the core of cosmic consciousness. However, the prosperous civilization as our island is not a place where desire can be eliminated. It’s impossible to eradicate evil nature. Since fetters brought by the constitution, the state, the law, society, the military, corporations, schools, families, and groups are not less than the eighteen levels of hell, the mortals repress themselves, bury their feelings. Day after day, greed, anger, stupidity, arrogance, doubt, and resentment are stacking. However, since the six dust (visible objects, sound, odor, taste, touch, and mental objects) has not yet been extinguished, people in the mundane world are still full of delusions. The demons, devils, evil spirits, and the wondering dead exist in the wilderness, while only advanced practitioners with transcendent would attempt to make contact with the dead in the wasteland and forest. Worldly people like us trespass in Disneyland-like man-made hell. It is absurd and ridiculous that the hellish scenes cannot stop us from perpetrating evil deeds, but the horrific and cruel scenes yet satisfy our self-righteous shame.

The pandemic has been boiling over for more than a year and a half. The number of infected patients worldwide is nearly a hundred and eighty million, and the death toll has risen to four million, which is equivalent to a war crisis. I hope that we can all be compassionate, give peace to the dead, treat all sentient beings well and equally. The hell is innately empty; however, deluded and misleading thoughts would give rise to all jealousy and hatred and then manifest the hell before us. This book merely serves as a memorandum of conscience for dictators of the world’s new cold war, supporters of unrestrained warfare, dark web hackers, and those who are cunning and contemptuous and maltreat others when knowing they have problems.

June 2021,

Yao Jui-chung

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