關於 credit on 30 days ，我們在網路上蒐集到這些相關的討論、資訊與評價

#mondayvibes
We've dreamt of blue skies and sunny days — now is finally here to welcome all back.
.
We @flyproject.co , Kapas Heights, Bangsar (Parking available inside the building) are excited to share some new yoga timing slots w.e.f. 22nd September (Wednesday)
.
Monday 730pm Vinyasa (Sound)
Tuesday 1000am Vinyasa (Sound)
Wednesday 730pm Vinyasa
Wednesday 850pm Yoga Nidra
Friday 1000am Vinyasa (Sound)
.
Book a mat space (limited) in @flyproject.co bio link or @classpassmy
Please refer to @flyproject.co on 🇲🇾 opening SOP for 22nd September (Wednesday)
.
See you, slowly, slowly, surely, Grace, Strala Guide
.
Class Description:
About this session, Vinyasa (Sound)
This 60 minutes offering combines a basis yoga, breath work and sound therapy using crystal bowl as closing to nourish and promote overall wellness of the being.
Beginners are welcome.
.
About this session, Yoga Nidra
This 60 minutes offering combines a 20 minutes of basic yoga movement before entering a 30 - 40 minutes of Yoga Nidra for closing to nourish and promote overall wellness of the being.
Beginners are welcome.
.
What is Yoga Nidra (Sleep Yoga) ?
It is a powerful guided meditation done in savasana (Corpse Pose) that will help you to release tension and stresses, which promotes deep rest and relaxation, while developing greater self awareness.
.
📸 credit : @waqqasabdulhadi @flyproject.co
.
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#gracestralaguide

Hey Good People,

We've put up a few events for October up on our website. We were receiving a lot of requests and inquires about when we could begin helping people get back outdoors on trails and have answered the call.

10/02 - Guanwu National Forest (觀霧)
👉👉👉 - parkbus.com.tw/1002-guanwu/

10/16 - Daxueshan National Forest (大雪山)
👉👉👉 - parkbus.com.tw/1016-daxueshan/

10/30 - Taipinshan National Forest (太平山)
👉👉👉 - parkbus.com.tw/1030-Taipingshan/

We know this is an interesting time and as we all wait with anticipation regarding the new Covid clusters, we hope you too will be understanding and patient with our revised Terms and Conditions (parkbus.com.tw/tac).

We'll be monitoring the Covid situation very closely and will not be running these events if the situation escalates and is deemed unsafe (even if government policy permits).

We won't be filling these buses to capacity and will give full credit for any bookings made that need to be cancelled (either by us or by yourself).

Seats will be allocated on a first-come-first-served basis. We will post here in our group and then in a few days, we'll post this to the larger public.

We hope we can all remain understanding and flexible over the coming weeks as we navigate another challenging period.

Cheers,

Your Parkbus Team

🌻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

韓文課開學頭2-3真的超累
就像上班頭2-3天一樣 需要習慣
今天第4天上韓文課好像開始習慣了
所以下課後竟然剪了一整天影片
還來得及在今天上傳
還有就是感覺韓文課越來越有趣
越來越不想那麼快下課xD
同學們都很主動 很友善 很投入
非常開心遇到的老師和同學?????
（遲到了一點點 從20:30 upload到23:00xDD 平時早上上傳只需要10分鐘左右！）

有事沒事在播的Louise Hay’s Affirmations
https://youtu.be/lz16YqpWkz4

我最近喜歡的Meditation都放在這裡??
https://www.youtube.com/playlist?list=PL9OhHhm1DZtiymGKsXlY9dgdlDE-2wHze

Spotify Chill Playlist
https://open.spotify.com/playlist/3LFIBdP7eZXJKqf3guepZ1?si=Y7L33LVRSQqd92JYontLFA

先放在這裡 可能你會感興趣xD
Blender
http://global.m.11st.co.kr/MW/Product/productBasicInfo.tmall?prdNo=2314673168

可以重用的口罩
IG @pokeguidehk
https://www.pokeguide.com/

Subscribe： https://goo.gl/srSS92

#韓國 #Korea
Stay Home #WithMe

Related Videos:
韓國VLOG | 一日兩餐 | 留學首爾獨居日常 | 小蒼蘭和咖啡的幸福 | 一人食治癒生活記錄 | #101
https://youtu.be/0hVjehdKBXw

晚餐Vlog 韓國上班族的晚餐日常 白醬義大利麵、韓式炒豬肉、草莓拿鐵 l Cher is chercher
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https://youtu.be/-htHifTgQTc

About This Channel：
A healthy mind and body can change one from being depressed to joyful and content. Hope my videos can bring a sense of joy and wellness to everyone. And take the sadness away on bad days and be grateful for the happiness on good days. ??

健康心靈+ 健康身體 = 容易憂鬱也變容易快樂滿足
希望我的影片和食譜能為大家帶來健康快樂的身心
在抑鬱時舒壓 在快樂時感恩?
希望看完影片的你像minions一樣開心??

Related Playlists:
【一個人在韓國生活 Life in Korea??】
2020年2月10日 因為怕疫情持續爆發 所以孤身一人提早到韓國 順便找房子
展開為期一年夢寐以求在首爾學韓文還有工作假期(能找到的話)的生活
https://www.youtube.com/playlist?list=PL9OhHhm1DZthaqNdOIiC7giDcSmTs_y7K

【Daily日常?】Sandy Bello
平凡的一天♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZthhjle1VPfd48VwDRpuJkKX&feature=share

【Morning Vlog ☀️】Sandy Bello
記錄頹廢也好高效也好如何展開每一天♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtjHjEKC0eZ0bzvVAHgWmaSJ

【3 Meals A Day一日三餐 ?】Sandy Bello
想認真煮飯吃飯時一餐的料理♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtgcK8Q5FHETseZCX7no4osR&feature=share

【Random Vlog?】Sandy Bello
隨心隨意記下不想忘記的畫面♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZthKDS6-p1gYtdL_rZebQ4WM&feature=share

【Food Vlog 食食食 ?】Sandy Bello
瘋狂吃吃吃的日記！食食食的瞬間♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZthM9APzQs97s6gyHsdPeA2l&feature=share

【Diet 減肥健康 ?】Sandy Bello
中學因減肥有過很長時間的情緒病 現在不敢苛刻對自己了 所以內容比較簡單不地獄♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZti8yRoqa3N8OxNTcINhVFAP&feature=share

【Hike 行山?】Sandy Bello
親親大自然 放下內心的廢氣♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtj1jPE5qsIA2hrt9u-aGXtL&feature=share

【3 Meals A Day一日三餐 ?】Sandy Bello
想認真煮飯吃飯時一餐的料理♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtgcK8Q5FHETseZCX7no4osR&feature=share

Cameras：
Canon G7Xll - https://amzn.to/2stt3Uy
Canon M6 - https://amzn.to/2PlfqzL
Osmo Pocket - https://amzn.to/2YRcuy2
Iphone 11 - https://amzn.to/35sBbTW

♥Find Sandy here♥ 
・facebook ：https://goo.gl/0jn5pR
・Instagram：http://goo.gl/W13b93
・e-mail：sandybellotv@gmail.com

Music Credit：
So Long - Norma Rockwell
Jessica - Joey Pecoraro
Front Porch Blues - Chris Haugen
Kiss the Sky - Aakash Gandhi
(Most of the Music come from Soundcloud／Youtube?!!)

在韓國差不多生活一個月了?
開始建立了自己在韓國的生活方式作息
就是我原本的韓國計劃趕不上變化
在韓國隔離這個空白期真的有點難‘等待’
可能因為我是個大大急性子(所以才會很喜歡樹懶 學習牠的慢哈哈)
(心中的樹懶會安慰自己 隨緣啦!xDD)
所以很想快點學好韓文 讓我找些工作類似的

只希望全世界快點平安度過武肺?
一切都會過去的 一切都會變好的 x3000

Louise Hay’s Affirmations
https://youtu.be/lz16YqpWkz4

Today’s Meditation
https://youtu.be/UcuJvFl7aZE

Yoga Mat
http://global.m.11st.co.kr/MW/Product/productBasicInfo.tmall?prdNo=1418562518

30 Day Yoga
https://www.youtube.com/playlist?list=PLui6Eyny-UzzFFfpiil94CUrWKVMaqmkm

好用用的語言網頁(免費已經可以學習很多關卡xD)
http://www.memrise.com

Subscribe： https://goo.gl/srSS92

#韓國 #韓國生活 #韓國vlog

Related Videos:
從韓國飛回台灣！現在真的很少人嗎？搭機入境台灣全紀錄！｜阿侖 Alun
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韓國VLOG | 10月的開始 | 一個人的留學日常 | 一人食 | 獨居治癒日常 | #85
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[宅韓國VLOG]·終於買了咖啡機＋發現上支影片被黃標( ºΔº )＋拍片前準備＋充滿碎碎念⋯｜Lizzy Daily
https://www.youtube.com/watch?v=lCTzzQCERBg

About This Channel：
A healthy mind and body can change one from being depressed to joyful and content. Hope my videos can bring a sense of joy and wellness to everyone. And take the sadness away on bad days and be grateful for the happiness on good days. ??

健康心靈+ 健康身體 = 容易憂鬱也變容易快樂滿足
希望我的影片和食譜能為大家帶來健康快樂的身心
在抑鬱時舒壓 在快樂時感恩?
希望看完影片的你像minions一樣開心??

Related Playlists:
【一個人在韓國生活 Life in Korea??】
2020年2月10日 因為怕疫情持續爆發 所以孤身一人提早到韓國 順便找房子
展開為期一年夢寐以求在首爾學韓文還有工作假期(能找到的話)的生活
https://www.youtube.com/playlist?list=PL9OhHhm1DZthaqNdOIiC7giDcSmTs_y7K

【Daily日常?】Sandy Bello
平凡的一天♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZthhjle1VPfd48VwDRpuJkKX&feature=share

【Morning Vlog ☀️】Sandy Bello
記錄頹廢也好高效也好如何展開每一天♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtjHjEKC0eZ0bzvVAHgWmaSJ

【3 Meals A Day一日三餐 ?】Sandy Bello
想認真煮飯吃飯時一餐的料理♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtgcK8Q5FHETseZCX7no4osR&feature=share

【Random Vlog?】Sandy Bello
隨心隨意記下不想忘記的畫面♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZthKDS6-p1gYtdL_rZebQ4WM&feature=share

【Food Vlog 食食食 ?】Sandy Bello
瘋狂吃吃吃的日記！食食食的瞬間♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZthM9APzQs97s6gyHsdPeA2l&feature=share

【Diet 減肥健康 ?】Sandy Bello
中學因減肥有過很長時間的情緒病 現在不敢苛刻對自己了 所以內容比較簡單不地獄♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZti8yRoqa3N8OxNTcINhVFAP&feature=share

【Hike 行山?】Sandy Bello
親親大自然 放下內心的廢氣♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtj1jPE5qsIA2hrt9u-aGXtL&feature=share

【3 Meals A Day一日三餐 ?】Sandy Bello
想認真煮飯吃飯時一餐的料理♡
https://www.youtube.com/playlist?list=PL9OhHhm1DZtgcK8Q5FHETseZCX7no4osR&feature=share

Cameras：
Canon G7Xll - https://amzn.to/2stt3Uy
Canon M6 - https://amzn.to/2PlfqzL
Osmo Pocket - https://amzn.to/2YRcuy2
Iphone 11 - https://amzn.to/35sBbTW

♥Find Sandy here♥ 
・facebook ：https://goo.gl/0jn5pR
・Instagram：http://goo.gl/W13b93
・e-mail：sandybellotv@gmail.com

Music Credit：
Just Stay - Aakash Gandhi
Carmelized - Craig MacArthur
Sunshine on Sand - Unicorn Heads
Bovi - The Grand Affair
(Most of the Music come from Soundcloud／Youtube?!!)

在韓國的第n天 這天是韓國開始發現社區感染的那一天
之後韓國的確診人數便不斷直線上升T_T
我那天還不知道在新村出去買菜 還走路去梨大的DAISO買日用品(不知死+不想活xD)
之後還有一天我出門做了最後的日用品採購 因為網上買真的超不划算
那天之後直到現在 甚至以後 沒事我也再不敢出門口了T_T
現在唯一的願望是 我們所有人都可以平安度過這一切的天災(或人禍)
還有希望我在韓國可以用別的方式如常上課..
不過無論可不可以 我相信一切對我來說都是最好的安排?
(作最壞的打算 可是不能失去正向的信念?‍♀️?‍♀️?‍♀️)

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#韓國 #韓國vlog #韓國生活

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About This Channel：
A healthy mind and body can change one from being depressed to joyful and content. Hope my videos can bring a sense of joy and wellness to everyone. And take the sadness away on bad days and be grateful for the happiness on good days. ??

健康心靈+ 健康身體 = 容易憂鬱也變容易快樂滿足
希望我的影片和食譜能為大家帶來健康快樂的身心
在抑鬱時舒壓 在快樂時感恩?
希望看完影片的你像minions一樣開心??

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Music Credit：
Dreamland - Aakash Gandhi
Easy Seas - Chris Haugen
Just Stay - Aakash Gandhi
Serenity - Aakash Gandhi

(Most of the Music come from Soundcloud／Youtube?!!)

*Keywords
Korea, Seoul, 韓國, 生活,韓國生活, 首爾, Life, Daily Life, 日常, Daily, Weekend, Weekly, Cook, cooking, recipes, easy recipes, food, Calm, Chill, Love, Self love, self care, Productive, Simple, Healthy, Health, Diary, Homebody, A day in my life, 煮食, 煮飯, 食譜, 吃, 簡單食譜, 放鬆, 心靈, 宅女, 自愛, 效率, 簡單, 健康, 日記, 無聊, 珍惜, Sandy Bello