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上文談到簡單的保險運作模式及作為並非精於計算的一群怎樣去比較不同方案的優劣,這回評估一下究竟危疾保險值不值得買。
上回提過保險的運作是從大多數幸運的顧客中收取負擔得起的金錢,資助少數不幸的顧客沒有能力獨自承擔的費用,哪麼保險是怎樣賺錢的?祕密就在這筆顧客負擔得起的金錢中,剔除回饋顧客的賠償外,剩下的就袋袋平安。
所以怎樣才算「值得買」?只要比較一下他們總共作了多少賠償,又袋了多少進口袋。
要知道他們作了多少賠償,最直接就是看看他們的客戶索償報告,但由於這是內部文件的關係,所以像我這些一般平民很難獲得,唯有靠搜尋過坊間對患上危疾風險的資料來估計一下。

沒有努力搜尋過坊間對患上危疾風險的資料,都不知道原來這方面的資料在坊間是這麼貧乏。經過一個星期的努力,只找到不同年齡患上癌症的風險,以及年長男士對心臟病及腦血管病的資料,所以相信以下分析誤差會比較大,而我會儘量將誤差的利益歸於保險公司。
首先鳴謝黑師兄為小弟找到一份其保險公司的客戶索償報告,基於是「內部文件」的關係,故在這裏無法詳細公開報告內容(而且我只是速讀了一下,記不到那麼多資料)。不過當中有幾項資料是值得留意的:
1.危疾首三位正是黑師兄提及的癌病、心臟病及腦血管病,但有趣的是排在首位的癌病,其索償個案數字遠遠高過心臟病及腦血管病,癌病索償個案達三位數字,而心臟病及腦血管病個案數目分別只是個位數字;
2.癌病索償的男女比例原來在不同年齡時的差距頗大,而正直青年的個案中,女性比男性高出一倍。小弟亦偷偷看過癌病首五位,其中近半都是女性比男性容易患上的,正好用來解釋這個現象。
另外值得一提的是,患癌風險除了年齡及性別外,跟遺傳及吸煙習慣有關,而以上數字沒有對此進行劃分,所以小弟實際患癌的風險理應是遠遠低於該數字,但基於誤差利益歸於保險公司,所以我就以其誤差上限,即直接使用他們的數字,來計算我的風險。
另外由於我沒有另外三十八種危疾資料,但基於患癌風險遠高於其他危疾,所以我會大膽假設患上另外四十種危疾的風險不大於患上癌症的風險,但基於誤差利益歸於保險公司,所以我就以其誤差上限,即假設患上癌症的風險,相等於患上另外四十種危疾的風險。
最後得出以下的結果:

年齡 供款 賠償 患上癌症機會率上限 估計患上危疾機會率上限 估計用於賠償的金額上限
(賠償x估計患上危疾機會率上限)
用於賠償的金額佔供款的百分比
(用於賠償金額上限/供款)
26 2,676.96 1,014,000.00 0.05% 0.10% 997.776 37.27%
27 2,676.96 1,014,000.00 0.05% 0.10% 997.776 37.27%
28 2,676.96 1,014,000.00 0.05% 0.10% 997.776 37.27%
29 2,676.96 1,014,000.00 0.05% 0.10% 997.776 37.27%
30 2,676.96 1,014,000.00 0.05% 0.10% 997.776 37.27%
31 3,042.00 1,014,000.00 0.08% 0.17% 1675.128 55.07%
32 3,042.00 1,014,000.00 0.08% 0.17% 1675.128 55.07%
33 3,042.00 1,014,000.00 0.08% 0.17% 1675.128 55.07%
34 3,042.00 1,014,000.00 0.08% 0.17% 1675.128 55.07%
35 3,042.00 1,014,000.00 0.08% 0.17% 1675.128 55.07%
36 3,650.40 1,014,000.00 0.14% 0.28% 2859.48 78.33%
37 3,650.40 1,014,000.00 0.14% 0.28% 2859.48 78.33%
38 3,650.40 1,014,000.00 0.14% 0.28% 2859.48 78.33%
39 3,650.40 1,014,000.00 0.14% 0.28% 2859.48 78.33%
40 3,650.40 1,014,000.00 0.14% 0.28% 2859.48 78.33%
41 5,597.28 1,014,000.00 0.22% 0.44% 4502.16 80.43%
42 5,597.28 1,014,000.00 0.22% 0.44% 4502.16 80.43%
43 5,597.28 1,014,000.00 0.22% 0.44% 4502.16 80.43%
44 5,597.28 1,014,000.00 0.22% 0.44% 4502.16 80.43%
45 5,597.28 1,014,000.00 0.22% 0.44% 4502.16 80.43%
46 9,856.08 1,014,000.00 0.38% 0.77% 7787.52 79.01%
47 9,856.08 1,014,000.00 0.38% 0.77% 7787.52 79.01%
48 9,856.08 1,014,000.00 0.38% 0.77% 7787.52 79.01%
49 9,856.08 1,014,000.00 0.38% 0.77% 7787.52 79.01%
50 9,856.08 1,014,000.00 0.38% 0.77% 7787.52 79.01%
51 15,331.68 1,014,000.00 0.54% 1.08% 10928.892 71.28%
52 15,331.68 1,014,000.00 0.54% 1.08% 10928.892 71.28%
53 15,331.68 1,014,000.00 0.54% 1.08% 10928.892 71.28%
54 15,331.68 1,014,000.00 0.54% 1.08% 10928.892 71.28%
55 15,331.68 1,014,000.00 0.54% 1.08% 10928.892 71.28%
56 28,959.84 1,014,000.00 0.90% 1.81% 18337.176 63.32%
57 28,959.84 1,014,000.00 0.90% 1.81% 18337.176 63.32%
58 28,959.84 1,014,000.00 0.90% 1.81% 18337.176 63.32%
59 28,959.84 1,014,000.00 0.90% 1.81% 18337.176 63.32%
60 28,959.84 1,014,000.00 0.90% 1.81% 18337.176 63.32%
61 48,550.32 1,014,000.00 1.36% 2.72% 27538.212 56.72%
62 48,550.32 1,014,000.00 1.36% 2.72% 27538.212 56.72%
63 48,550.32 1,014,000.00 1.36% 2.72% 27538.212 56.72%
64 48,550.32 1,014,000.00 1.36% 2.72% 27538.212 56.72%
65 48,550.32 1,014,000.00 1.36% 2.72% 27538.212 56.72%
66 69,479.28 1,014,000.00 1.75% 3.50% 35538.672 51.15%
67 69,479.28 1,014,000.00 1.75% 3.50% 35538.672 51.15%
68 69,479.28 1,014,000.00 1.75% 3.50% 35538.672 51.15%
69 69,479.28 1,014,000.00 1.75% 3.50% 35538.672 51.15%
70 69,479.28 1,014,000.00 1.75% 3.50% 35538.672 51.15%
71 90,000.00 1,014,000.00 2.39% 4.78% 48446.892 53.83%
72 90,000.00 1,014,000.00 2.39% 4.78% 48446.892 53.83%
73 90,000.00 1,014,000.00 2.39% 4.78% 48446.892 53.83%
74 90,000.00 1,014,000.00 2.39% 4.78% 48446.892 53.83%
75 90,894.96 1,014,000.00 2.39% 4.78% 48446.892 53.83%

對數字有恐懼的朋友只需看最後一欄就可以了,該百分比正是用於賠償的金額佔供款的比例上限,換句話說,用100%減去該數就是保險公司至少收取的盈利。以26歲為例,如果你購買了該保險,估計最多只有37.27%用於你有機會收到的賠償,而保險公司最少賺你62.73%。

重申一次,這篇報告的目的不是勸說大家買或者不買這些保險產品,而是譹大家看清楚一點。我就認為這個價錢有點兒貴(反過來說我亦認為保險公司正在賺取暴利,從利益上的考慮這間公司值得投資)。當然,購買這些產品除了利益上的考慮外,還要考慮可承擔的風險。如果「萬一」患上危疾後你會因為負擔不起醫藥費而一定要死,而現時要承擔這保費又不對你的生活造成大影響,用這些金錢買一條命可能會說得上較化算,但「萬一」患上危疾時還是要小心選擇醫療方法,因為這筆賠償有可能不能應付你亂醫的花費。

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上回提到供樓在七十四歲之前都不及租樓,後來在租樓調整一下,終於得出一個七十四歲之後租樓均勝供樓的方案,並得到黑師兄的認同,但前提是出事前平均每年回報至少要有9%,少一點的話依然會在某幾年出事時回報低於供樓。

調整方法其實很簡單,就是將租樓意外保證回報逐年降低,但保持(租樓意外保證回報+投資回報)>(供樓意外保證回報+非保證回報),直至六十六歲時提早斷租,那麼在六十三歲前及六十六至六十八歲時,租樓意外回報會比調整前低,以換來提高其餘年歲的意外回報。

年齡 供樓款項 租樓款項 供樓平安回報 租樓平安回報 供樓意外回報 租樓意外回報 意外回報差
25 7,168.98 1,553.34 0 5,334.85 1,014,000.00 1,014,000.24 0.24
26 12,289.68 2,662.88 0 15,783.55 1,014,000.00 1,024,448.93 10,448.93
27 12,289.68 2,662.88 764.4 27,172.62 1,014,764.40 1,035,838.00 21,073.60
28 12,289.68 2,662.88 1,950.00 39,586.71 1,015,950.00 1,048,252.09 32,302.09
29 12,289.68 2,662.88 3,634.80 53,118.07 1,017,634.80 1,061,783.45 44,148.65
30 12,289.68 2,857.50 5,896.80 67,665.72 1,019,896.80 1,020,164.51 267.71
31 12,289.68 2,857.50 8,751.60 83,522.66 1,022,751.60 1,036,021.45 13,269.85
32 12,289.68 2,857.50 12,277.20 100,806.73 1,026,277.20 1,053,305.51 27,028.31
33 12,289.68 2,857.50 16,629.60 119,646.36 1,030,629.60 1,072,145.15 41,515.55
34 12,289.68 2,857.50 21,777.60 140,181.56 1,035,777.60 1,092,680.34 56,902.74
35 12,289.68 3,177.03 27,892.80 162,234.05 1,041,892.80 1,044,741.07 2,848.27
36 12,289.68 3,177.03 35,068.80 186,271.27 1,049,068.80 1,068,778.29 19,709.49
37 12,289.68 3,177.03 43,399.20 212,471.84 1,057,399.20 1,094,978.85 37,579.65
38 12,289.68 3,177.03 52,993.20 241,030.46 1,066,993.20 1,123,537.47 56,544.27
39 12,289.68 3,177.03 64,038.00 272,159.35 1,078,038.00 1,154,666.37 76,628.37
40 12,289.68 4,454.92 84,708.00 304,766.59 1,098,708.00 1,111,818.16 13,110.16
41 12,289.68 4,454.92 108,139.20 340,308.47 1,122,139.20 1,147,360.05 25,220.85
42 12,289.68 4,454.92 134,472.00 379,049.12 1,148,472.00 1,186,100.70 37,628.70
43 12,289.68 4,454.92 163,768.80 421,276.43 1,177,768.80 1,228,328.01 50,559.21
44 12,289.68 4,454.92 196,341.60 467,304.20 1,210,341.60 1,274,355.77 64,014.17
49 12,289.68 7,429.82 353,199.60 749,122.80 1,367,199.60 1,513,507.56 146,307.96
54 12,289.68 10,494.79 607,807.20 1,163,741.50 1,621,807.20 1,857,841.55 236,034.35
59 12,289.68 18,371.02 1,013,578.80 1,752,873.44 2,027,578.80 2,396,116.56 368,537.76
64 12,289.68 30,477.69 1,652,118.00 2,584,298.92 2,666,118.00 3,220,842.14 554,724.14
69 12,289.68 0 2,647,710.00 3,920,349.84 3,661,710.00 3,920,349.84 258,639.84
74 12,289.68 0 4,191,330.00 6,108,105.39 5,205,330.00 6,108,105.39 902,775.39
79 12,289.68 0 6,577,272.00 9,474,238.48 7,591,272.00 9,474,238.48 1,882,966.48
84 12,289.68 0 10,258,825.20 14,653,451.50 11,272,825.20 14,653,451.50 3,380,626.30
89 12,289.68 0 15,930,704.40 22,622,312.70 16,944,704.40 22,622,312.70 5,677,608.30
99 12,289.68 0 38,104,669.20 53,748,586.00 39,118,669.20 53,748,586.00 14,629,916.80

以下假設某些假設不成立:
如果平均每年回報只得5%,就算用以上方法調整,在五十五歲斷租,在五十五至七十二歲這十八年間,租樓回報是低於供樓,差別最大正是斷租那一年,約七十三萬,而其餘年份租樓回報是高於供樓。每年平均回報就是租樓較高,平均差約七十萬。

年齡 供樓款項 租樓款項 供樓意外回報 租樓意外回報 意外回報差
25 7,168.98 1,553.34 1,014,000.00 1,014,000.24 0.24
26 12,289.68 2,636.19 1,014,000.00 1,014,004.97 4.97
27 12,289.68 2,609.75 1,014,764.40 1,014,786.17 21.77
28 12,289.68 2,582.46 1,015,918.80 1,015,978.82 60.02
29 12,289.68 2,554.41 1,017,525.60 1,017,656.47 130.87
30 12,289.68 2,871.04 1,019,631.60 1,019,877.86 246.26
31 12,289.68 2,838.49 1,022,252.40 1,022,673.25 420.85
32 12,289.68 2,804.98 1,025,403.60 1,026,075.44 671.84
33 12,289.68 2,770.79 1,029,210.00 1,030,228.24 1,018.24
34 12,289.68 2,735.64 1,033,624.80 1,035,107.87 1,483.07
35 12,289.68 3,241.61 1,038,757.20 1,040,840.96 2,083.76
36 12,289.68 3,199.69 1,044,669.60 1,047,518.72 2,849.12
37 12,289.68 3,156.84 1,051,362.00 1,055,171.99 3,809.99
38 12,289.68 3,113.16 1,058,912.40 1,063,911.85 4,999.45
39 12,289.68 3,068.93 1,067,445.60 1,073,898.03 6,452.43
40 12,289.68 4,688.59 1,085,026.80 1,092,882.75 7,855.95
41 12,289.68 4,675.95 1,104,698.40 1,114,124.40 9,426.00
42 12,289.68 4,667.65 1,126,522.80 1,137,688.75 11,165.95
43 12,289.68 4,662.93 1,150,453.20 1,163,537.13 13,083.93
44 12,289.68 4,662.09 1,176,645.60 1,191,823.02 15,177.42
49 12,289.68 7,915.78 1,281,196.80 1,314,444.03 33,247.23
54 12,289.68 12,179.37 1,429,724.40 1,490,660.24 60,935.84
59 12,289.68 0 1,635,036.00 1,009,504.88 -625,531.12
64 12,289.68 0 1,912,965.60 1,453,904.38 -459,061.22
69 12,289.68 0 2,282,592.00 2,062,770.20 -219,821.80
74 12,289.68 0 2,767,986.00 2,896,969.15 128,983.15
79 12,289.68 0 3,400,363.20 4,039,894.01 639,530.81
84 12,289.68 0 4,219,893.60 5,605,800.12 1,385,906.52
89 12,289.68 0 5,275,405.20 7,751,227.18 2,475,821.98
99 12,289.68 0 8,367,980.40 14,717,909.73 6,349,929.33

假設在股市大瀉之時有意外,所買基金大跌(每年10.5%回報的跌50%,每年6.5%回報的跌30%),在(每年10.5%回報的是七十四歲,每年6.5%回報的是七十八歲)之前大部分年份,租樓回報是低於供樓,但之後租樓回報還是比供樓好。

年齡 供樓意外回報(回報率6.5%) 租樓意外回報(回報率6.5%) 意外回報差(回報率6.5%) 供樓意外回報(回報率10.5%) 租樓意外回報(回報率10.5%) 意外回報差(回報率10.5%)
25 1,014,000.00 1,012,348.97 -1,651.03 1,014,000.00 1,011,332.81 -2,667.19
26 1,014,000.00 1,009,223.27 -4,776.73 1,014,000.00 1,006,099.23 -7,900.77
27 1,014,527.80 1,006,662.29 -7,865.51 1,014,382.20 1,001,157.86 -13,224.34
28 1,015,324.89 1,004,286.98 -11,037.91 1,014,975.00 996,133.28 -18,841.72
29 1,016,434.34 1,002,155.95 -14,278.39 1,015,817.40 991,071.03 -24,746.37
30 1,017,888.49 1,000,420.26 -17,468.23 1,016,948.40 986,193.40 -30,755.00
31 1,019,698.09 998,991.16 -20,706.93 1,018,375.80 981,319.67 -37,056.13
32 1,021,873.91 997,883.78 -23,990.13 1,020,138.60 976,497.51 -43,641.09
33 1,024,502.14 997,223.18 -27,278.96 1,022,314.80 971,853.64 -50,461.16
34 1,027,550.46 996,965.53 -30,584.93 1,024,888.80 967,331.64 -57,557.16
35 1,031,094.26 997,385.86 -33,708.40 1,027,946.40 963,344.51 -64,601.89
36 1,035,176.63 998,392.42 -36,784.21 1,031,534.40 959,712.07 -71,822.33
37 1,039,797.57 999,992.43 -39,805.14 1,035,699.60 956,511.50 -79,188.10
38 1,045,010.94 1,002,271.89 -42,739.05 1,040,496.60 953,840.49 -86,656.11
39 1,050,902.91 1,005,363.90 -45,539.01 1,046,019.00 951,877.63 -94,141.37
40 1,063,042.31 1,017,513.54 -45,528.77 1,056,354.00 959,113.25 -97,240.75
41 1,076,625.09 1,031,471.87 -45,153.22 1,068,069.60 968,171.76 -99,897.84
42 1,091,694.31 1,047,276.89 -44,417.42 1,081,236.00 979,136.42 -102,099.58
43 1,108,217.69 1,064,860.10 -43,357.59 1,095,884.40 992,016.74 -103,867.66
44 1,126,302.91 1,084,343.32 -41,959.59 1,112,170.80 1,007,050.98 -105,119.82
49 1,198,493.03 1,159,662.37 -38,830.66 1,190,599.80 1,074,301.66 -116,298.14
54 1,301,047.80 1,278,591.18 -22,456.62 1,317,903.60 1,222,873.62 -95,029.98
59 1,442,810.57 697,039.08 -745,771.49 1,520,789.40 1,500,864.13 -19,925.27
64 1,634,714.34 1,003,886.35 -630,827.99 1,840,059.00 1,957,763.13 117,704.13
69 1,889,932.57 1,424,293.71 -465,638.86 2,337,855.00 2,053,036.59 -284,818.41
74 2,225,085.57 2,000,288.23 -224,797.34 3,109,665.00 3,196,931.88 87,266.88
79 2,661,726.97 2,789,450.63 127,723.66 4,302,636.00 4,956,956.57 654,320.57
84 3,227,593.20 3,870,671.51 643,078.31 6,143,412.60 7,664,972.73 1,521,560.13
89 3,956,398.83 5,352,037.82 1,395,638.99 8,979,352.20 11,831,591.27 2,852,239.07
99 6,091,748.37 10,162,366.24 4,070,617.87 20,066,334.60 28,106,351.71 8,040,017.11

假使以上情況發生,供樓由於有較高的保障回報,所以發生意外後,最差的情況下都有一百萬的回報,租樓最低都有七十萬的回報,足夠應付政府建議的癌症醫療費用$200,000-$500,000(其他危疾由於醫療費用較低,所以不列)。

第一項研究的是醫保(人壽+危疾)。

黑師兄提供了兩個選擇,一是「卓越人生」保障計劃,二是五年定期綜合保障計劃。

前者是供款過了若干年後如果健在,可以得到若干金額,所以黑師兄將之比喻為供樓。

後者是供款過了若干年後如果健在,不可以得到任何金額,而且七十五歲後就不能續保,所以黑師兄將之比喻為租樓。

假設萬一出事後希望獲得保證一百零一萬四千元的賠償,基金回報9%。

供樓計劃如下:
月供一千零二十四元,供七十五年,保一世,第三年仍然健在則開始有投資回報,第三年$382.2,最後一年$19,052,334.6,中間逐年遞增。

租樓計劃如下:
保費每五年一期,供五十年,三十歲前月供$223.08,七十至七十五歲時預算月供$7574.58,七十五歲後不能續保。

驟眼一看供樓長遠比租樓好,一來一定有回報,二來七十五歲後亦有保障。但假設租樓後早期把差額拿去投資基金,後期用基金填補差額,計算結果如下:

如果七十五歲前出事,租樓計劃回報每年都比供樓好,廿五歲出事就1,014,000 vs 1,020,112.09,七十四歲就5,205,330 vs 5,353,994.36,差額最大是約六十四歲的2,666,118 vs 3,306,306.26,比例差最大是約五十四歲的1,621,807 vs 2,152,888.92。如果七十五歲後出事,供樓就比租樓好,但差距逐年收窄,由七十五歲時5,682,518.4 vs 4,743,935,到了九十九歲就為39,118,669.20 vs 38,558,322.44。

年齡 供樓款項 租樓款項 供樓平安回報 租樓平安回報 供樓意外回報 租樓意外回報 意外回報差
25 7,168.98 1,561.56 0 6,112.09 1,014,000.00 1,020,112.09 6,112.09
26 12,289.68 2,676.96 0 17,140.04 1,014,000.00 1,031,140.04 17,140.04
27 12,289.68 2,676.96 764.4 29,160.51 1,014,764.40 1,043,160.51 28,396.11
28 12,289.68 2,676.96 1,950.00 42,262.82 1,015,950.00 1,056,262.82 40,312.82
29 12,289.68 2,676.96 3,634.80 56,544.34 1,017,634.80 1,070,544.34 52,909.54
30 12,289.68 3,042.00 5,896.80 71,713.30 1,019,896.80 1,085,713.30 65,816.50
31 12,289.68 3,042.00 8,751.60 88,247.47 1,022,751.60 1,102,247.47 79,495.87
32 12,289.68 3,042.00 12,277.20 106,269.71 1,026,277.20 1,120,269.71 93,992.51
33 12,289.68 3,042.00 16,629.60 125,913.96 1,030,629.60 1,139,913.96 109,284.36
34 12,289.68 3,042.00 21,777.60 147,326.18 1,035,777.60 1,161,326.18 125,548.58
35 12,289.68 3,650.40 27,892.80 170,002.36 1,041,892.80 1,184,002.36 142,109.56
36 12,289.68 3,650.40 35,068.80 194,719.38 1,049,068.80 1,208,719.38 159,650.58
37 12,289.68 3,650.40 43,399.20 221,660.94 1,057,399.20 1,235,660.94 178,261.74
38 12,289.68 3,650.40 52,993.20 251,027.24 1,066,993.20 1,265,027.24 198,034.04
39 12,289.68 3,650.40 64,038.00 283,036.51 1,078,038.00 1,297,036.51 218,998.51
40 12,289.68 5,597.28 84,708.00 315,804.51 1,098,708.00 1,329,804.51 231,096.51
41 12,289.68 5,597.28 108,139.20 351,521.63 1,122,139.20 1,365,521.63 243,382.43
42 12,289.68 5,597.28 134,472.00 390,453.30 1,148,472.00 1,404,453.30 255,981.30
43 12,289.68 5,597.28 163,768.80 432,888.81 1,177,768.80 1,446,888.81 269,120.01
44 12,289.68 5,597.28 196,341.60 479,143.52 1,210,341.60 1,493,143.52 282,801.92
49 12,289.68 9,856.08 353,199.60 753,096.88 1,367,199.60 1,767,096.88 399,897.28
54 12,289.68 15,331.68 607,807.20 1,138,888.92 1,621,807.20 2,152,888.92 531,081.72
59 12,289.68 28,959.84 1,013,578.80 1,643,576.74 2,027,578.80 2,657,576.74 629,997.94
64 12,289.68 48,550.32 1,652,118.00 2,292,306.26 2,666,118.00 3,306,306.26 640,188.26
69 12,289.68 69,479.28 2,647,710.00 3,153,930.42 3,661,710.00 4,167,930.42 506,220.42
74 12,289.68 90,894.96 4,191,330.00 4,339,944.36 5,205,330.00 5,353,944.36 148,614.36
79 12,289.68 0 6,577,272.00 6,757,712.06 7,591,272.00 6,757,712.06 -833,559.94
84 12,289.68 0 10,258,825.20 10,477,747.34 11,272,825.20 10,477,747.34 -795,077.86
89 12,289.68 0 15,930,704.40 16,201,482.75 16,944,704.40 16,201,482.75 -743,221.65
99 12,289.68 0 38,104,669.20 38,558,322.44 39,118,669.20 38,558,322.44 -560,346.76

假設能活到平均年齡七十八歲或以上,供樓明顯比租樓好,但七十五歲時拿著四百七十萬,再多拿九十萬又可以用來做甚麼呢?

P.S. 有冇人有方法可以很方便的將M$試算表貼上xanga?在家沒有ultraedit 又唔識點樣由xls 轉csv 又唔想自己寫program解決,結果花了兩小時仍找不到有效率的方法,上面的表格是笨笨的將試算表另存htm再用wordpad人手逐個enter鍵刪除後貼上xanga的。