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Source: Pittsburgh Post-GazetteOct.文件倉 06--Wall Street behemoths have been blamed for a host of misdeeds: gouging credit card users, deceiving mortgage applicants, rigging electricity markets and manipulating interest rates.Add artificially inflating aluminum prices to the list.Complaints from aluminum users about higher prices and lengthy delays in getting the metal from warehouses owned by Goldman Sachs and other bank holding companies have sparked lawsuits as well as a proposed solution from the London Metal Exchange, which regulates the warehouses.Brewing giant MillerCoors, which uses the equivalent of 4,000 jumbo jets worth of aluminum each year to make beer cans, says the warehouses have caused aluminum prices to defy the law of supply and demand. Testifying before the U.S. Senate Banking Committee in July, MillerCoors executive Tim Weiner said aluminum prices remain inflated despite "massive oversupply and record production.""What's supposed to happen under these economic conditions? When supplies rise while demand is flat to down, prices should fall," he testified.Industry officials dispute that claim, calling complaints about delivery delays a red herring. On its website, Alcoa says aluminum prices have fallen 40 percent over the last five years and there is plenty available at mid-2009 prices.The London Metal Exchange is "trying to solve a nonexistent metal availability problem," says Klaus Kleinfeld, chairman and CEO of Alcoa, one of the world's largest aluminum producers.One longtime metals industry analyst disagrees."I believe the complaints of the beverage brewing customers are completely valid," said John Tumazos, a Holmdel, N.J., metals analyst.Warehouses "bring it in, but they don't bring it out," he added.Contracts to purchase aluminum held in warehouses at a specified price at some point in the future are traded on the LME. Aluminum buyers use those futures prices to hedge their risk against sharp movements in prices. Hedge funds and other investors trade the futures contracts, complicating efforts to determine what demand for the metal actually is.When demand for aluminum tumbled during the Great Recession, the LME warehouses became the buyer of last resort. Those purchases have caused aluminum prices to remain higher than they would have been if there were fewer buyers. They have also caused large increases in the amount of aluminum the warehouses are holding.Those weren't the only changes ushered in by the recession. Financial firms and commodities traders began buying warehouses. And record low interest rates provided an opportunity for what analysts say is a risk-free investment being made by investors -- including warehouse operators -- who have no intention of converting the aluminum they own into beverage cans or parts for cars and jet planes.Whether buying from a producer or a warehouse, companies that make things from aluminum pay prices determined on the LME. Users claim those prices have been inflated by what has been happening at the warehouses, including the lengthy delays in getting aluminum out of them and into factories.The price of the aluminum itself has come down, but that is not the only cost aluminum buyers pay. They also pay costs associated with storing the aluminum in the warehouses and delivering it to customers. Those costs have nearly doubled over the last three years for aluminum held in Midwest warehouses, according to Lloyd O'Carroll, a metals analyst with Davenport & Co. in Richmond, Va.Several customers have sued Goldman, accusing the company of hoarding aluminum in its Detroit warehouses in an effort to restrict supply and raise prices. A lawsuit against Goldman and the London Metal Exchange filed in federal court in Detroit in August said the practice generates "hundreds of millions" in storage fees for the Wall Street firm.Critics point out that warehouses move aluminum in存倉o their warehouses faster than they move it out. The lawsuit noted that in the first half of 2011, Goldman's Detroit warehouses took in 364,175 tons of aluminum but only shipped out 171,350 tons.In a statement on its website, Goldman said it does not own the aluminum in its warehouses and that how fast it gets to customers is determined by the people who do. When a lot of owners want to move aluminum out of warehouses at the same time, deliveries are delayed, the firm said.Many of those aluminum owners are not actual aluminum users. They are financial buyers or arbitragers seeking to profit from the difference between current aluminum prices and what prices are expected to be in the future.Here's how the arbitrage works, according to Mr. O'Carroll.Financial buyers borrow money to purchase aluminum at the current price and simultaneously sell a contract to someone who agrees to pay a higher price for it in the future. Since the recession, futures prices have consistently been higher than current market prices. This summer there was a $190 difference between current prices per metric ton and the price of a 15-month futures contract, Mr. O'Carroll said.Arbitragers' borrowing costs are small because of record low interest rates. So are costs for storing the aluminum, since warehouse owners have been discounting storage costs to attract aluminum. Some arbitragers do so much business that they purchase their own warehouses, further reducing storage costs because they are essentially paying rent to themselves, Mr. O'Carroll said.The result is nearly a 9 percent risk-free return, he wrote in a note to clients this summer."It would not be shocking that a market that can be manipulated would be manipulated," he said.John Mothersole, an analyst with IHS Global Insight, an economics consulting firm, said the spread between current and futures prices and low interest rates are "a license to print money" for arbitragers.He said the involvement of banks in the commodities business has kept aluminum prices from falling as much as they would have if the warehouse system did not exist. When demand picks up, prices will not increase as fast as they would have if a ready supply of aluminum were not available in the warehouses, Mr. Mothersole said.That is little comfort to aluminum buyers complaining about the lengthy waits and inflated prices.To address their concerns, the LME is considering a proposal that would require warehouses to move more aluminum out faster. The exchange is expected to act on the measure this month. If approved, it would be implemented in April.But there are doubts about whether the idea will work.Mr. Mothersole said a similar measure enacted last year failed to loosen the flow of metal to customers. Warehouse owners compensated by raising rents and there's nothing to prevent them from doing that again, he said.In its comments to the LME, Alcoa said "fast money investors" who will not actually use the metal are distorting aluminum prices. Alcoa is asking the exchange to increase the transparency of the market by providing more information about the involvement of financial investors in LME futures.Some analysts believe the LME proposal could end up lowering aluminum prices, putting further pressure on producers such as Alcoa, whose stock is down about 9 percent over the past 12 months.Mr. Mothersole said the real culprit is low interest rates. As long as they make the risk-free investment possible, arbitragers will keep buying aluminum and restricting the supply."What makes this profitable is that you can finance the transaction at low interest rates," he said. "Once that changes, this whole thing goes away."Len Boselovic: lboselovic@post-gazette.com or 412-263-1941.Copyright: ___ (c)2013 the Pittsburgh Post-Gazette Visit the Pittsburgh Post-Gazette at .post-gazette.com Distributed by MCT Information Services儲存

　　秋高氣爽，迷你倉是極佳的旅遊時刻，熬過了長長的火熱炎夏，避過了暑假的黃金旅遊高峰，趁學生與親子活動各歸其位的「閒檔期」，「閒人」正好以低廉價錢，享受高級服務，閒遊一番。　　日本紅葉期快到，想像那漫天紅遍的自然盛況，便渴望一睹為快。於是相約三五知己，來幾天京都大阪自由行，憧憬�一班老友置身紅葉天地間，吃喝胡說的聚首情懷，真箇不亦樂乎！　　正當你抱�與世無爭的心情，輕鬆灑脫地走進旅行社訂機位酒店之際，誰知你算不如人算，儲存沒有、那沒有，機位緊張，酒店滿額，各大大小小的旅行社異口同聲，秋涼也是旅遊高峰期，皆因是銀髮族群出動的日子！　　銀髮旅遊，是近年熱門的品種，其受歡迎程度，與親子旅遊、蜜月旅遊、遊學團等產品不遑多讓，按目標顧客人數，年過50的銀髮人，數量比其他年齡層要多，正所謂「人多勢眾」，是創造巿場商機的重要因素。旅遊業了解銀髮顧客的需要，設計出合適的產品和服務，故能在銀髮市場突圍而出，最早攻佔這大片銀髮藍海。　　（本欄逢周一刊登）mini storage

　　《輪證匯萃》澳門昨公布９月博彩收入為２８９億澳門元，self storage按年增２１％但較上月少５﹒８％，消息昨午公布後銀娛（０００２７）及金沙（０１９２８）皆擴大升幅，惟今早顯著回落，分別跌約４﹒５％及３﹒３％，暫見投資者追入相關認購證及牛證，其中以銀娛相關好倉較受追捧。　　如博取銀娛反彈，可留意成交較活躍價外認購證２７５６１，行使價６９﹒８８元，１４年３月到期，實際槓桿５﹒６倍；牛證可留意６３３７５，收回價５１﹒２７元，１４年７月到期，槓桿約８﹒５倍。如看好金沙，可留意輕微價外認購證２７０６８，行使價５２﹒９３元，１４年３月到期，實際槓桿６﹒５倍。　匯豐輪證焦點：　　　　　輪╱牛熊證　　行使價（元）　收回價（元）　到期　　　實際槓桿　　－－－－－－－－－－－－－－－－－－－迷利倉－－－－－－－－－－－　　銀娛購２７５６１　６９﹒８８　　　－　　　１４年３月　５﹒６倍　　銀娛牛６３３７５　５０﹒２７　５１﹒２７　１４年７月　８﹒５倍　　銀娛熊６３３７６　６１﹒２７　６０﹒２７　１４年９月　８﹒５倍　　金沙購２７０６８　５２﹒９３　　　－　　　１４年３月　６﹒２倍　　金沙牛６３０７０　４２﹒２８　４５﹒２８　１４年７月　６﹒５倍　　金沙熊６３３７７　５７﹒２８　５４﹒２８　１４年５月　４﹒８倍　　－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－　　《匯豐銀行環球銀行及資本市場部》　＊　詳情請登入ｗｗｗ﹒ｗａｒｒａｎｔｓ﹒ｈｓｂｃ﹒ｃｏｍ﹒ｈｋ查詢註：本產品並無抵押品，如發行人無力償債或違約，投資者可能無法收回部分或全部應收款項。自存倉

迷你倉最平 昨日忠誠推出六項物業拍賣，現場未錄成交。該行將於下周四舉行另一場拍賣會，受矚目的為藍田�景花園十二座中層G室，實用面積七百一十八方呎，開價六百一十二萬元，銀行估價八百零五萬元，物業過去曾被翻拍，屬法院令盤源，為前中國銀行廣東開平支行行長許超凡旗下�景花園單位之一，被法院下令拍賣抵債。迷你倉

Source: The Times-News, Twin Falls, IdahoOct.儲存 02--TWIN FALLS -- A Kimberly woman went on several shopping sprees this spring using checks on empty or closed bank accounts, Twin Falls police say.Police accuse Sheryl Ann Sebren, 40, of writing more than $3,000 in bad checks at Twin Falls' Costco Wholesale; hundreds of dollars in bad checks at King's, Fred Meyer and Grocery Outlet; and thousands of dollars at local businesses including fast food chains, court records show.The total? Just more than $10,000.Sebren was arraigned in Twin Falls County Magistrate Court on Monday on 17 counts of writing a check with insufficient funds and one count of grand theft.Sebren has preliminary hearings in her three cases Oct. 11.It all started March 24 when Sebren walked into Grocery Outlet in Twin Falls, filled a cart and wrote a check for $190.47, a police report said. The check was returned for insufficient funds.Three police reports detailed the cases against Sebren:Later on March 24, Sebren spent $100 more at Grocery Outlet, about $55 on gas and cigarettes at Fred Meyer Fuel and about $75 inside Fred Meyer. Those checks, too, were returned.Fred Meyer employees told police Sebren attempted to pass another bad check there for more than $1,000 that day. She had selected two LCD TVs, a Kindle e-reader and a printer, but a cashier declined to take the self storageheck because it was so large.In the next few days, Sebren spent about $900 at King's Discount Store, again paying with checks that were returned.One police report listed 30 checks written to businesses including Big Smoke, Twin Stop, Pizza Hut, Sprint, Domino's Pizza, Mister Burger, Oasis Stop 'N Go, Taco Time, Sizzler and Depot Grill, totaling $1,924.52.On April 15, Sebren went to Costco, paid for a $110 membership with a bad check, then returned three times on the same day to buy a TV, two laptops and a tablet computer, for a total of more than $3,000 in bad checks.The next day, Sebren pawned some of the electronics for less than $300 in cash.Her checking account at Pioneer Federal Credit Union was closed because of a negative balance. On May 2, Sebren opened an account at Bank of America with $100 in cash.During May, Sebren wrote more than $3,000 in bad checks at stores including T-Mobile, CenturyLink, Addison West Restaurant and Norm's Cafe.The Bank of America account was closed once the negative balance reached nearly $3,000.Police reported speaking to Sebren a number of times about the checks, and she admitted to knowing she didn't have enough money in her account.Copyright: ___ (c)2013 The Times-News (Twin Falls, Idaho) Visit The Times-News (Twin Falls, Idaho) at magicvalley.com Distributed by MCT Information Services迷利倉

迷你倉最平 渣打銀行推出「高息馬拉松活期存款」戶口，於本月31日前開立及存入10萬元或以上，可獲遞增活期存款年利率。開戶日至11月15日期間，該戶口年息為0.5厘，而11月16日至12月15日，年息將為1厘，而由12月16日至明年1月15日，年息最高為1.8厘。全新客戶可獲最多300元現金獎賞。查詢電話：2282 2313。網站文章:02/10/2013 | 渣打活期存款年息最高1.8厘.am730.com.hk/article-174763迷你倉

由大新人壽大全力策動、香港青年協會及臻訓中心協辦之首屆「『踏』出未來」計劃於早前在馬灣挪亞方舟圓滿舉行。計劃聚集了50名青協的青少年會員，mini storage透過參與一系列與單車有關之團隊及義工活動，挑戰自己、激發潛能，並共同組裝了30輛新單車，贈送予住在偏遠地區和有單車需要的青少年，以行動傳遞愛心和正能量。「亞洲車神」黃金寶亦有參與是日活動，現身分享他成為非凡運動員的追夢歷程。大新self storage壽行政總裁周詠姬小姐表示：「大新人壽扎根香港二十三年，一直秉持『做好，就係香港精神』的理念，與香港人一同成長。我們確信年輕一代是帶領社會『做好』未來的動力，因此我們希望透過舉辦是次計劃，讓青少年能積極參與的同時也能親身體會到這份理念。此外，希望黃金寶先生的成功歷程可啟發參加者，在往後的日子，更有自信『踏』出來挑戰自己，將這份精神融入生活，感染身邊的人一同做好。」 mini storage

美國政治爭拗導致政府停止運作，存倉波士頓聯儲銀行行長羅森格倫表示，政府局部停擺可能影響聯儲局對經濟的評估，推延縮減每月850億美元債券購買的決定。分析料聯儲局縮減買債行動可能要推遲至明年。美國政府因為預算爭拗導致被迫停運，波士頓聯儲銀行行長羅森格倫表示，政府局部停擺阻撓聯儲局對經濟作出全面評估，影響到縮減買債決定。羅森格倫周三表示，如果聯儲局統計部門關門，聯儲局較難取得經濟數據。羅森格倫一直支持聯儲局的量化寬鬆措施。他稱，上月聯儲局沒有決定縮減買債，因為經濟增長較預測為低，財務政策對前景構成風險。羅森格倫表示，如果美國財務問題不是太嚴重，而GDP及就業的經濟數據轉強，9月份是適當時機縮減買債，不幸，事實與推測有儲存。聯儲局公開市場委員會上月出乎市場預期，沒有宣布縮減每月850億買債規模，當時美國國會正在為財政問題爭拗不絕，最終美國政府被迫停止運作。羅森格倫表示，聯邦預算削減已經打擊經濟，額外的削減可能造成更大損害。美國政府自1996年以來停擺的第一天，白宮與國會沒有談判，彭博調查顯示，料美國政府局部停擺一周，經濟增長將會減少0.1個百分點。羅森格倫表示，他強烈及明確支持聯儲局沒有縮減買債的決定，聯儲局的行動不是由華爾街的期望來決定，而是要做必須做的事。羅森格倫支持繼續購買債券，因為長期利率上升過急，威脅汽車及房屋市場。現年56歲的羅森格倫於2007年7月擔任波士頓聯儲銀行行長，之前曾經在波士頓聯儲銀行經濟及監管部門任職。self storage

【陳瑩欣╱台北報導】�豐銀行昨公布《未來的退休生活》調查，迷你倉結果顯示，台灣超過6成的退休人士仍然負擔家庭財務責任，需要資助其他家庭成員；同時有近7成的台灣退休受訪者表示，他們會留遺產給子孫，且平均遺產金額達570萬元，是亞洲區第3高，僅次於薪資水準較高的澳洲和新加坡。 �豐銀行指出，最近一次公告《未來的退休生活》調查，從去年7月至今年4月透過網路訪問集結而成，總共訪查15個國家及地區共1.6萬人。調查同時發現，台灣有66%的退休人士仍然負擔家庭財務責任，需要資助其他家庭成員，比例高於亞洲平均55%，在大中華區中則次於中國的71%。雖然多數人對退休生活的期待是「經常渡假」，不過�豐銀調查發現實際上台灣已退休族群中，有高達41%的民眾說他們無法達成這個心願，因為可支配的錢比原本預見的少，而且還有父母或子女等家庭成員需要照顧，壓縮退休可運用資金的空間。 55~64歲僅13%退休 �豐銀行表示，台灣的受訪者中多數希望自己可以在58歲退休，但在55~64 歲較年長的受訪者族群中，僅有13%的人已經進入半退休狀態，顯示期待與實際情形仍有落差。另外，有8成已退休的受訪者儲存接表示，後悔沒多準備退休金，但同時也有81%退休人員表示他們仍在繼續存錢，退休族儲蓄比例僅次於印度的83%，顯示台灣人熱愛存錢。�豐銀行個人金融暨財富管理事業處資深副總裁莊懷德表示，退休後可能出現收入減少但支出卻增加的狀況，隨著壽命延長以及社會經濟趨勢的變化，人們的實際退休年齡可能要比預期中延後。莊懷德建議，想到達成理想中的退休生活，必須儘早開始規劃退休所需財務，有4個行動方案可達成聰明退休的效果，包括1、不要急著退休；2、不要依賴單一退休收入來源，善用退休金、政府年金及個人投資理財資金；3、退休規劃須考量家庭狀況；4、實際衡量家庭支出。民眾小張表示，薪水沒有增加，很多民眾容易覺得可從上一代繼承的資產應沒有調查報告那麼多，還是提早規劃退休理財比較實在。 投資兼顧保本與流動 中信人壽行政長卓長興表示，退休族手中若小有資產，應該以穩健方式布局，資金的規劃必須兼顧保本與流動性。例如：選擇月退俸的退休族，除預留每月基本生活費外，可定期定額購買投資型商品。至於選擇一次提領退休金的退休族，除了挑選穩健型的理財工具外，建議可以提撥一筆金額投保養老保險，為自己預留晚年生活費。mini storage

WHILE the costs of financial crises are all too evident in debtor markets, how much do bailouts really cost creditor countries? The question is particularly pertinent in light of the recent German Constitutional Court hearings regarding the legality of the European Central Bank's outright monetary transactions and the renewed concern that Greece may require further financial assistance.mini storageJust as banking crises tend to entail transfers of risk from the private to the public sector, sovereign debt crises involve supranational bodies such as the International Monetary Fund or, in the case of the European debt crisis, the ECB. Attention, though, tends to focus on the headline numbers involved - the money at risk - much more than on the likely, or indeed ultimate, net cost to the provider of financial support.It is instructive to reflect on those net costs in OECD countries and to distinguish between governmental interventions - such as guarantees, equity stakes or nationalisation of institutions - and central bank activity - such as liquidity support, loans or asset purchases - as lenders of last resort.Evidence for government guarantees and equity ownership is mixed, though costs generally prove less onerous than initially feared:During the Nordic banking crisis in the early 1990s, the net cost to Finland was around 9 per cent of its GDP - somewhat less than the 13 per cent gross fiscal cost.The US Treasury's stake in AIG yielded a US$5 billion gain, and its investments in Citigroup and Bank of America a further US$4.5 billion.In the UK, the government's investment in Lloyds Banking Group is now close to breakeven. Th迷你倉 government made a ¢G5 billion (S$10 billion) profit on RBS's participation in the Asset Protection Scheme.By contrast, the record of central banks as a lender of last resort is better, with bailouts typically ending up profitable:The Hong Kong Monetary Authority bought HK$118 billion (S$19 billion) of assets in 1998, including a 10 per cent stake in HSBC. It eventually made a gain of HK$90 billion.The US Treasury's stake in AIG yielded a US$5 billion gain, and its investments in Citigroup and Bank of America a further US$4.5 billion.The Fed's purchase of nearly US$30 billion of Bear Stearns assets in 2008 generated US$6.6 billion. Fed loans to and asset purchases from AIG added US$17.7 billion.The Bank of England's Special Liquidity Scheme generated ¢G2.3 billion. Likewise, the BOE's Asset Purchase Facility, which has accumulated more than ¢G31 billion, is expected to result in net gains in all but one of its published scenarios.The ECB acquired 276 billion euros (S$467 billion) in assets between 2009 and the end of 2011. These programmes should generate a net gain of 70-80 billion euros.Viewed in this light, the lender of last resort plays a critical yet ultimately profitable role in the face of banking or sovereign debt crises. Should Greece require further financial assistance involving public participation for the first time, then at least some of the cost would be made good by the proceeds of the ECB's earlier programmes. If this was better understood, then perhaps the popular opposition to, and the public discourse on, bailouts would be tempered.The writer is Allianz Global Investors' (AllianzGI) Global CIO文件倉

HOFFMAN ESTATES, Ill.儲存, Oct. 2, 2013 /PRNewswire/ -- Sears Holdings Corporation today announced that its wholly owned subsidiaries Sears Roebuck Acceptance Corp. and Kmart Corporation have borrowed $1.0 billion under a new a senior secured term loan facility (the "Incremental Term Loan") under the Company's existing Second Amended and Restated Credit Agreement, dated as of April 8, 2011 (the "Existing Credit Agreement"). In addition to the Incremental Term Loan, the Existing Credit Agreement continues to provide for a $3.275 billion asset-based revolving credit facility (the "Revolving Facility").The Company can elect for the Incremental Term Loan to bear interest at a rate of LIBOR (subject to a 1.00% floor) plus a margin of 4.50%, or at a "base rate" plus a margin of 3.50%. The Incremental Term Loan is secured by the same collateral as the Revolving Facility on a pari passu basis with the Revolving Facility and guaranteed by the same subsidiaries of the Company that guarantee the Revolving Facility, and matures in June 2018. The Revolving Facility continues to be scheduled to expire on April 8, 2016.The net proceeds of the Incremental Term Loan were used to reduce borrowings under the Revolving Facility, which resulted in borrowings outstanding under the Revolving Facility of approximately $1.0 billion.Forward-Looking StatementsThis press release contains forward-looking statements about our domestic credit facility. Forward-looking statements are subject to risks and uncertainties that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by these forward-looking statements. Such statements are based upon the current beliefs and expectations of our management and are subject to significant risks and uncertainties. Factors that could cause actual results to differ from those set forth in the forward-looking statements include, but are not limited to, those discself storagessed in this release and those discussed in our most recent Annual Report on Form 10-K and other filings with the Securities and Exchange Commission. We intend the forward-looking statements to speak only as of the time made and do not undertake to update or revise them as more information becomes available.About Sears Holdings CorporationSears Holdings Corporation is a leading integrated retailer with almost 2,500 full-line and specialty retail stores in the United States and Canada and the home of SHOP YOUR WAY, a social shopping experience where members have the ability to earn points and receive benefits across a wide variety of physical and digital formats through ShopYourWay.com. Sears Holdings is the leading home appliance retailer as well as a leader in tools, lawn and garden, fitness equipment and automotive repair and maintenance. Key proprietary brands include Kenmore, Craftsman and DieHard, with a broad apparel offering, including such well-known labels as Lands' End, the Kardashian Kollection, Jaclyn Smith and Joe Boxer, as well as Sofia by Sofia Vergara and The Country Living Home Collection. We are the nation's largest provider of home services, with more than 14 million service and installation calls made annually, and have a long-established commitment to those who serve in the military through initiatives like the Heroes at Home program. We have been named the 2011 Mobile Retailer of the Year, Recipient of the 2013 ENERGY STAR(R) "Partner of the Year - Sustained Excellence Award" for Product Retailing and Energy Management and one of the Top 20 Best Places to Work for Recent Grads. Sears Holdings Corporation operates through its subsidiaries, including Sears, Roebuck and Co. and Kmart Corporation. For more information, visit Sears Holdings' website at .searsholdings.com. Twitter: @searsholdings || Facebook: .facebook.com/SHCCareers.NEWS MEDIA CONTACT: Sears Holdings Public Relations (847) 286-8371Sears Holdings CorporationWeb site: .searsholdings.com/迷利倉

【送暖行動】秋去冬來，儲存倉下月7日就是立冬。蘋果日報慈善基金每年冬季都會舉辦送暖行動，透過社福機構派贈物資予弱勢社群，今年基金準備了食物包及手拉車，各社福機構如欲參與，須於本月25日前提出書面申請。記者：陳家偉蘇婆婆（68歲）和丈夫（80歲）同住公屋，她去年獲香港宣教會大興白普理老人中心送贈食物福袋，還記得福袋內有白米、麵、豆豉鯪魚罐頭和豉油，她開心地說：「全部都好�食！」她指夫婦平日靠積蓄維生，十分節儉，而且食量不大，「一支豉油我�都用好耐，起碼兩個月」。她感謝蘋果基金和善長贈送食物福袋，由衷地說：「真係幫輕�我�好多！」《蘋果》撥款逾134萬該中心程序幹事陳姑娘表示，送暖行動中的受惠長者收到物資後都很高興，且非常滿意福袋內的食物款式。中心去年把福袋贈予獨居、雙老同住及殘障的老友記，盼減輕他們的生活負擔，她說：「佢�平日都係靠積蓄（維生），好慳！」蘋果基金去年撥款逾103萬元推行送暖行動，共透過162間社福機構派發食物福袋及暖水壺各8迷你倉最平000個，惠澤1.6萬名基層市民。今年基金再接再厲，撥款逾134萬元購買1.1萬個食物包及1.1萬部手拉車，食物包內有一包1kg茉莉香米、1包梳打餅、2罐豆豉鯪魚、1包5個裝生麵、1盒普洱茶包、1瓶芥花籽油及1瓶生抽豉油，受惠人同時獲贈一部手拉車，可輕鬆地把豐富的食物包帶回家。善長每捐500元便有四人受惠，盼善長多多支持，暖意遍全城。「送暖行動專戶」捐款編號：S0014網上捐款：charity.appledaily.com.hk/donate蘋果日報慈善基金電話：29908688傳真：37112468電郵：charity@adfund.org.hk網址：charity.appledaily.com.hk蘋果基金收捐款戶口�生銀行：368-006565-001�豐銀行：580-198836-001中國銀行：012-898-00067655渣打銀行：447-0-667059-3蘋果日報慈善基金乃根據《稅務條例》第88條獲豁免繳稅的慈善機構 迷你倉