Life Without Principle Page #2

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I...

I charge 15%,

even with bad credits.

Call me.

I already have your card.

Give them to your friends.

I have to go.

I'll see you out.

- No bother

- Here's coffee.

It's mine.

Hi Mr. Cheung,

I'm Teresa from MT Bank.

We have new calendars for you...

I'm in China.

Sorry.

Roaming fee charges...

by the minute.

I have 20 seconds left to yell at you.

What's wrong with you?

Can't you tell this is a long-distance call?

I'm sorry.

- Sir

- Yes?

Please deposit the coins

into my savings account.

Sorry madam.

We'll charge a 10% service fee

for deposits over 500 coins.

The minimum of service fee is $50.

So I'll lose 70 dollars for 700 coins?

Right.

Even pennies and dimes?

Yes.

That's robbery!

Sorry.

But this is our policy.

Thanks Mr. Huang. Bye.

Hi Kun.

Sit.

Yes?

Your fixed deposit is up.

Want to renew for another 3 months?

HK91 million savings

only made 100 dollars in interest.

That's less than my electric bills.

That's not bad.

It's enough to pay 2 meals.

You should renew it.

Inflation will force banks

to raise interest rate.

I'm diabetic.

How soon will...

interest rate go up?

It takes time.

Just a little at a time.

How soon?

Depends on US economy.

Unit trust offers higher returns.

We can do a risk assessment...

before you decide.

There is nothing to lose, right?

This questionnaire will help you to

assess risks in investment.

The questions are meant...

to find out...

which investment profile...

suits you most.

This part...

will show which types of products

are suitable for you,

but it may not reflect

your actual investment risks.

First question.

Which age group do you belong to?

A. Above 75 or below 18.

B, 66- 75.

C. 56- 65.

D. 46- 55.

E, 18- 45.

I'm 60 years old.

Next question.

How many years of...

investment experience do you have?

This include long-term

and short-term products,

and fluctuating products

such as stocks, trust funds,

foreign currencies,

derivative security,

or so-called "warrants",

commodity futures or stock options.

A. No experience.

B. Less than 3 years.

C. 3- 6 years.

D. 7- 10 years.

E, Over 10 years.

No.

So no experience.

Kun, the risk assessment says

you belong to 2nd category: "Low Risk".

What does it mean?

It means...

you have no experience

in high-risk investment.

You've only invested in low-risk products.

We have just the right products.

For example,

Dahli National Bond already

earned 2% profit in 6 months.

Only 2%?

We have better choices.

Leid Allocation Fund is a solid performer.

It invests in national real estates.

It went up 7% in value last year.

So I'll earn 70/fl interest?

Your expected return...

I mean you can expect to earn 7%

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