關於 at the end of 2022 ，我們在網路上蒐集到這些相關的討論、資訊與評價

Come 2022, these three will be embarking on their Primary 1, Upper Primary and Secondary 1 journeys. Yup, huge milestones for all of them, right?

As a mum, I am always concerned about the health of my kids and that includes their spinal health too. The general guideline from Health Promotion Board is for children to carry no more than 15 per cent of their bodyweight. However, despite my kids' best efforts to pack their school bags, I still find that they are rather heavy on most days - I always ask them if they brought a rock, haha. Therefore, I deem it important to go for good quality, ergonomic bags from the start.

We visited Ergoworks Singapore to check out the ErgoJunior range of ergonomic school bags. Swipe to see more. These bags encourage good posture and help to provide sturdy support for the spine by distributing weight across the back, shoulders and neck.

Asher and Ariel decided on the IMPACT bags, which is a brand we have trusted for a long time since it is the only ergonomic brand internationally endorsed and recommended by Singapore Physiotherapy Association and The Chiropractic Association (Singapore). Check out some of their latest designs in my video, including Ariel's mermaid one that comes with a magnetic buckle and S-type multi-directional support system.

Asher eventually decided on a blue IMPACT backpack which weighs 635grams and is rated as the "lightest ergonomic school bag" - this was recommended by the store manager since he is a year end baby and quite small for a boy going to Primary 1.

As for Angel, she was over the moon with her ONE POLAR ergonomic backpack which has a patented airy light back-care system and even a secret anti-theft compartment. The bag also has many different compartments, much to her delight, so she can organise her stuff and keep her books upright.

Ergoworks is located in Marina Square at #03-140/141. Do visit the store to check out the wide range of bags and see which one fits your child the best.

P.S. We have a giveaway coming up so like this post and stay tuned for more details!

#ahappymum #ergoworks #ergonomic #schoolbags #backtoschool #sp #sgkids

🌻Docusign(DOCU), Crowdstrike(CRWD)財報結果
上週這兩家公司發表財報了.

這兩天看了一下他們的財報結果. Again, 兩家的表現都很好, 但發現分析師給DOCU的調價(往上)幅度比較多, 就好奇研究了一下SaaS公司是怎麼被估值的. 有興趣的話可以看看(從中學習到很多. 非常推薦一讀):
https://makingsenseofusastocks.blogspot.com/2021/09/blog-post.html

(By the way, 分析師對CRWD的價格調幅沒那麼大, 主因是成長趨緩了. 而DOCU的free cash flow佔營收比, 以及顧客黏著力在這季創了新高, 是讓分析師按讚的幾個原因).

關於CRWD: "The Street is already modeling revenue growth deceleration in 2022 to 36%, down from 60% expected in 2021, which on its own might prove a hurdle for a stock already trading at a high multiple," said Bank of America analyst Tal Liani in a report.

分析師對於DOCU的評價:
• 11位buy; 給的價格分別是: $310, $320 (x2), $330 (x2), $340 (x2), $345, $350, $350, $389
• 給Buy的分析師的評語:
o Baird: The analyst continues to view them as a best in class way to play digital transformation trends with strong growth, cash flow and profitability, and a strong competitive position. Power said DocuSign remains one of his top long-term compounding growth ideas.
o Citi: While slightly shy of the double-digit billings beat in recent quarters, DocuSign still delivered a solid 8% beat to Q2 billings, which grew 47% year-over-year, Radke tells investors in a research note.
o Evercore ISI: he calls "another strong quarter." While some may have wanted to see more aggressive Q3 billings guidance, he believes estimates "continue to leave room for upside," Materne said.
o JMP Securities: While revenue growth decelerated to 50% from 58% in Q1, the company is the clear leader in electronic signature and the broader system of agreement having crossed over 1M customers with a $2B run rate this quarter, the analyst tells investors in a research note, adding that he sees lots of room for growth as DocuSign targets a $50B total addressable market.
o Needham: The analyst commented, "Docusign reported another strong quarter in 2QF22 with typical DOCU upside to revenue and profitability. Sales metrics and growth decelerated Q/Q, as we expected against a massive pandemic quarter, but at a much slower rate than we believe much of the Street was anticipating. 65k net new customers was lower than the 70k - 90 range of CY20 but was still more than 2x greater than any pre-pandemic quarter, highlighting a strong end-market driving 47% billings growth against a strong comp. Commentary on incremental Agreement Cloud demand was positive, suggesting an additional growth tailwind combined with solid international can further aid 2HF22. Although DOCU shares could be lower near-term due to weak 2H OpMg guidance, we think this guidance is conservative, as the recent OM was greater than the pre-pandemic level even with tough comps."
o RBC Capital: The quarter highlighted the sustainability of the company's tailwinds post-pandemic as most of its underlying metrics such as billings and net revenue retention were solid, the analyst tells investors in a research note, adding that the traction with CLM and Notary was also "impressive".

分析師對於CRWD的評價:
• 12位buy; 給的價格分別是: $300, $310 (x2), $313, $315 (x2) , $305, $320, $325, $330 (x2), $340
• 1位給hold: $280 (from $220 by J.P. Morgan(same))
• 給Buy的分析師的評語:
o Baird: The analyst believes the company has significant room for growth with core modules, opportunities with Humio and in cloud workload security, among others, should help drive a continuation of strong growth over a long time horizon.
o BTIG: The company's "strong" Q2 results "cleared every hurdle", even though the buy-side benchmarks may have been slightly higher, the analyst tells investors in a research note. Powell adds that Crowdstrike is clearly gaining share in its core endpoint security target market at a rapid pace and gaining traction with new products across multiple categories.
o Canaccord: The analyst said the stock is down from its recent highs, and he thinks the re-rating creates a more favorable entry point for longer-oriented investors for a foundational security name. He views Crowdstrike as a long-term secular winner in security due to its native cloud platform advantage versus closely held peers in endpoint security combined with platform expansion into tangential segments to capture greater share of security budgets.
o Goldman Sachs: CrowdStrike last night delivered "another beat and raise quarter as the company benefited from another quarter of elevated demand," Essex said. But it traded lower following net new annual recurring revenue growth guidance that was slightly less than investors had hoped for. Essex, nonetheless, said the quarter demonstrated CrowdStrike's "ability to continue to go down market efficiently."
o JMP Securities: The analyst notes the company's Q2 annualized recurring revenue of $1.34B topping his estimate of $1.30B, with "sustained" 70% ARR and revenue growth along with margin upside seen as key highlights for the quarter. Suppiger adds that the metrics reflect Crowdstrike's "strong execution and robust demand environment".
o Mizuho: "very good" fiscal Q2 results. The annual recurring revenue growth of 70% year-over-year "was strong and still nicely surpassed" the Street's 65%-66% estimate, Moskowitz tells investors in a research note. He believes "strong execution can propel" Crowdstrike's stock higher.
o Piper Sandler: The company's metrics "outperformed across the board" in Q2 with 70% annual recurring revenue and revenue growth and record net new customer adds in the quarter, Owens tells investors in a research note.
o RBC Capital: Hedberg adds that CrowdStrike's record pipeline entering Q3 should continue to fuel the company's "land-and-expand" momentum.
o Stifel: Q2 results that he said "exceeded consensus estimates across all major financial metrics." He continues to believe that Crowdstrike's growth opportunity "remains in the early days" despite the company's scale given continued share capture within its core endpoint security market and incremental module adoption on the Falcon Platform, Reback tells investors.
o UBS: the company reported "pretty good" Q2 results against high expectations.

🌻趨勢: 跨境電商 Cross-border commerce
Morgan Stanley:
From our perspective, we think many are underestimating what the cross-border eCommerce demand could ultimately be, once key friction points like FX rates, tax and duties, shipping, language, etc are smoothed—all issues that Global-E directly addresses.

Cross-border ecommerce brings new, high-yield volume: We think elevated levels of cross-border ecommerce (ex-travel) is a structural shift thathas yet to be fully contemplated in MA (and V)'s long-term forecasts. MA's cross-border CNP ex-travel volume was 69% above 2019's level in 2Q and 63% higher in 1Q. Strength reflects both broader ecommerce adoption plus globalization of commerce, as marketplaces and services that reduce cross-border friction (such as those from GLBE) make international online ordering more readily adopted. Early data at V suggests greater cross-border ecommerce spend is persisting even in areas with pre-pandemic levels of international travel. Cross-border transactions also come at a higher yield, making us more optimistic that the trend can bring incremental long-term growth to the networks.

產業的潮流是有連貫性的. 疫情讓電商更發達後, 接下來應該就是加速電商跨境了. 跨境的話, 有很多問題需要解決(稅率, 語言, etc.) 這就需要有公司來做整合的動作. 這種跨境, 也可以想像是omnichannel的一種呈現.

Harley Finkelstein (President of Shopify): "I mean I think commerce in 2021 is cross-border."

🌻SPAC熱潮退卻，初創市值蒸發750億美元
"SPAC熱潮已經退卻。分析顯示，在2月中旬以前完成合併的137家SPAC的總市值已經蒸發25%，市值回落幅度上個月一度超過1,000億美元。"

"像貝萊德(BlackRock Inc., BLK)和富達投資(Fidelity Investments Inc.)這類企業管理的基金，以及許多對沖基金、養老金管理公司和其他一些投資者，都在SPAC的回落中遭受了衝擊，他們在去年年底開始的熱潮中競相投資SPAC。其中許多基金由於在價格還很低的時候就早早入場，所以現在仍坐擁可觀收益。事實上，SPAC市值仍有約2,500億美元，高於一年前的約1,000億美元，反映出這期間股價上漲和新公司上市的影響。

但即便如此，今年年初令人炫目的回報還是讓許多後來者做了接盤俠，扎堆投資所謂穩賺不賠的領域，其永恆的風險可見一斑。在過去的幾個月裡，一些投資者眼睜睜看著帳面財富縮水。"

"股價下跌會在SPAC領域形成惡性循環，因為投資者有權在併購交易前從空白支票公司撤資。一旦SPAC跌破發行價，投資者就更有可能這樣做，而許多SPAC的股價現在正處於這樣的水平。目前，在尚未宣布併購交易的空白支票公司中，超過95%的公司股價低於發行價。

投資者的大規模撤資會讓已經上市的空白支票公司手上的現金大幅減少，讓其更難實現業務目標，並可能加劇股價跌勢。"

https://on.wsj.com/3n6JznC

🌻BNPL (buy now pay later)
But most BNPL providers including Affirm, Klarna and Afterpay have been losing money despite breakneck revenue growth as they invest heavily in marketing to win share. Sweden-based Klarna’s credit losses more than doubled in the second quarter. Affirm has projected adjusted operating losses of $50m-$55m for the fiscal year that ended June 30.

The path to profitability for many of these companies was to achieve massive scale, analysts said.

https://www.ft.com/content/ca201a37-a16d-4223-b123-04d38350a972

Pictures: 一葉知秋; from EarningsWhispers

Happy Bastille Day or French National Day. Relive back the moment of me at @laverticaledelatoureiffel 2019.

One of the most prestigious Towerrunning race other than the Empire State Building Run Up is definitely Eiffel Tower Run, organized by @ecotrailparis @ecotrailinternational

I was leading when I completed the race but got pushed to fourth placing in the end when the final three towerrunners completed the race 😭

I will come back stronger in 2022 edition, representing Malaysia to give my best effort for it.

#FrenchNationalDay #BastilleDay #LaVerticaledelaTourEiffel #EiffelTowerRun #Towerrunning #MasTowerRunner

【林鄭宣佈疫苗來港時間，舖市馬上「解凍」!】Here is my quick view on shops ....

剛剛林鄭落實肺炎疫苗抵港時間，最快下個月就有得打，兼預期下年底前全港絕大部分市民都打到。

這個肯定對舖市一個大好消息。 舖市馬上「解凍」，加快回覆「火爐」狀態。 我也馬上追價買舖。U will see ...

記住，下年舖市仲有以下潛在利好因素:
(1) 肺炎總會過去， 旅遊氣泡/通關，遊客會慢慢返嚟。
(2) 拜登順利上場，中美關係應會改善。
(3) 唔好唔記得，仲有政府200億買舖計劃，首輪90億已經在今年10月27日截標。只要政府落實誰中標，俾錢過數，200億等如接近今年全年舖市成交量! 資金回流，舖市馬上升。

【2021年的整體舖市預測】

肺炎尾聲加撤銷雙倍印花稅，我睇2021年底前， 舖市買賣 過了農曆新年後(量及價)會正式復甦。現在即使第四波中，依然好旺。租務反而要等多一兩季，租務現在繼續靜，個個縮。 租務是睇短線，買舖是睇長線。

我依然預期，舖市下年整體買賣成交量會由今年約1000宗，大升起碼5成至一倍，至近2000宗。

價格方面也會觸底回升。 部分細碼的民生舖， 由於樓市資金轉投舖市，會上升10至20%。 核心較大碼的舖(3000萬以上) 則會止跌，價格橫行至2022年。

現在，唔應該買街市舖，得的話，應買核心遊客消費舖。 總之邊度跌得越多，只要業主肯劈價放售， 你計到租值本地消費都撐起3厘以上回報的話，越值得買。2022年 you will see...

大家這幾星期，撐住? We see light at the end of tunnel. 保重? 李根興 Edwin (盛滙商舖基金創辦人)

We didn’t have the best start at our third day in Vietnam. On the way to Ninh Binh, someone tried to steal my bag, we had to spend 2 hours on a train infested with cockroaches but after that we spent the most amazing two days surrounded by nature in Ninh Binh. Tip: explore Vietnam by scooter !
ベトナムのニンビンに向かっている最中でスリに合いそうだったり、ゴキブリがたくさんいる電車で２時間以上過ごしたり。。。でも、ニンビンに到着した後、最高に綺麗な自然に囲まれている２日間を過ごすことができました！ベトナムでスクーターで自由に探索することがおすすめ！^^
---------------------------------------------------  

こちらも忘れずに！Come say Hi !

Instagram Maaike → https://www.instagram.com/maaikedayo/
Instagram Takeru → https://www.instagram.com/t4kerudayo/
Twitter → https://twitter.com/maaikeandtakeru

---------------------------------------------------  

海外での宿泊先：Airbnb で予約！

以下URLからAirbnbに登録すると、宿泊料金は¥ 3,700オフになります。 さらに、¥ 5,280以上の体験が¥ 1,388オフになります！  
Get 40 dollars off your first booking on airbnb by using the link below !  

https://www.airbnb.jp/c/maaikev48?currency=JPY  

---------------------------------------------------  

私たちのカメラアイテム・Our camera gear  

Sony α7III： https://amzn.to/2Xz90yy
Tamron 28-75mm f/2.8 di iii rxd： https://amzn.to/2K2Lhnr
Samyang 14mm AF : https://amzn.to/2WReyHP
Zhiyun Crane Plus ： https://amzn.to/2I37D5Z
Gopro Hero 5： https://amzn.to/2XAhbL9
DJI Mavic Pro ： https://amzn.to/2I1pjPr
Atlas camera bag: https://amzn.to/2K0MNq4

---------------------------------------------------  

音楽・Music  

この動画で使われた音楽は全てEpidemicSoundからダウンロードした曲です。  
All the music we use is from EpidemicSound.  

https://www.epidemicsound.com/  

---------------------------------------------------  

ビジネスメールアドレス・Business email  

maaikeandtakeru@gmail.com  

---------------------------------------------------  

以下ビデオもぜひご覧ください！More videos like this:

→ 5 days in Japan//日本で5日間過ごすなら  
https://www.youtube.com/watch?v=tl-PbYuSXXQ  
→ How and when to enjoy the mountains in Japan//季節毎の山の楽しみ方  
https://www.youtube.com/watch?v=ZQqMCVVHnLM&t=22s  
→ Go Indonesia ! 4 days in Bali // バリ島で４日間を過ごした  
https://www.youtube.com/watch?v=w7Y-Bex-HXQ  

---------------------------------------------------  

自己紹介・Introduction

こんにちは、ベルギー生まれのマーイケと日本生まれのタケルです。日本に住んでいます。旅が大好きなので2022年までに50カ国を旅することを計画しています！私達をフォローして、新しい旅の一緒に体験しましょう！

Hi ! We are Maaike & Takeru, a Belgian + Japanese couple living in Japan. We take every chance we get to go on an adventure and we set a goal to travel to 50 countries by the end of 2022 ! Follow us along to discover the places we visit during our travel adventures.  

---------------------------------------------------  

このビデオはスポンサー付いていません。アフィリエイトプログラムを利用しています。
This video is not sponsored. Some of the links above may be affiliates. 

#vietnam #ベトナム #ninhbinh #ニンビン #travel #pho #旅行 #旅