[Buy now, pay later]BNPL,金融潮語。其實都潮咗大半年,不過香港咁上下啦。鬼媒講咗年幾兩年Content Creator,都未見香港有乜媒體專門整個beat
1. Buy now, pay later,「屌,咪即係花唄」「有幾撚有創意呀?我中華古已有之」「不過馬雲得罪人之嘛」。其實認真的,唔使括號,花唄都興咗N年,鬼佬而家先開心大現BNPL,完全係reinventing the wheel,不過記住講個英文縮寫就有人覺得好巴閉,Bullshit as a service,Baas.(話時話,Kyle Bass收咗皮未?港紙爆煲冇?)
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一週年!比別人知得多。subscribe now(https://bityl.co/4Y0h)。Ivan Patreon,港美市場評點,專題號外,每日一圖,好文推介。每星期6篇,月費100,已經1900人訂! 畀年費仲有85折,20/40年費VIP 送本人著作一本。
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2. OK,正經,「咪即係信用卡分期,有幾大發現呀?」。又唔係喎
3. 首先,香港人好撚有錢,同埋好有信用,香港人係好好嘅債仔,你見啲友真係斬人打劫呃同事呃老婆穿公司櫃桶底都會供樓的!
4. 當然,除咗香港人有錢,客觀亦因為香港丁屎咁細,你走得去邊?唔似美國或以前大陸(而家有晒監控另一回事),改個名換個車牌去第個城市又一條好漢。
5. 所以你見香港批信用卡成功率極高,私人貸款極易借,仲要供樓利息低。一個普通打工仔,一百幾十萬信用卡額絶對唔係難事。
6. 我想講嗰時我在英國讀書?出咗信用卡(開名啦,匯豐),500英鎊信用額。「喂你係學生冇收入點同,唔好偷換概念」。但你可以睇下普通一個香港大學生銀行批幾錢信用額畀佢?(*)
7. 我知全世界都低息,係呀我唔知呀可?港息大約都跟美息,但,你見美國有冇可能一兩厘供樓?你有冇諗過,香港供樓銀行收你咁平息,賺乜?「cross selling」,「美國唔識cross selling呀?」(咁當然,再三留意返,香港人好撚有錢)。
8. 真相係,香港嘅delinquency rate (拋個英文好似專業啲)極低。即使咩亞洲金融風暴或沙士或乜,你睇報紙咩負資產又跳樓,但,個delinquency rate都係極低—come the 忽on,負資產不等於delinquent!死還死七孔流血還七孔流血!甚至跳樓都不等於delinquent!別傻了星矢,你還有老豆還有老婆!
9. 但認真,咁低嘅delinquency rate,銀行咪圍到數,所以點解香港銀行嘅net interest margin咁低都仲有錢賺。剛睇業績,中銀香港淨息差1.10%,你諗下仲要出糧仲要交租仲要預你啲友燒炭,但居然都仲係賺唔少錢,可見delinquency rate幾咁低。美國?你可以睇下2008嗰時,啲次按有幾多delinquent,求撚其掉低鎖匙就兩腳一伸走人foreclosure,而美國啲銀主盤邊有香港咁正,可以賣原價咁滯(大把銀行拍賣銀主盤有賺添)
10. 同樣原則,你可以應用落去信用卡,私人貸款。
11. 當然仲有,再講一次,香港人好撚有錢。我冇統計過有幾多巴仙嘅人有信用卡,你睇卡數目唔準,因為有啲好似我咁嘅仆街一條友十幾張卡(又如何?)。但,目測香港嘅信用卡滲透率極高,「我Patreon啲讀者好似全部有」(**)
12. 講返,冇去過美國(係呀,我使唔使識整光刻機?ASML NVIDIA又新高啦屌你),但BNPL同信用卡,就真係唔係同一回事。可以係complement 亦可以係substitute (***)
13. Patreon會寫,有啲人只用信用卡,有啲人只用BNPL,有啲兩樣一齊。但,咩人係傾向用BNPL?你估到了:非白人(Hispanic或黑人),低收入人士,同埋……年青人,
14. 拿,學嘢?呢啲就學嘢啦。
15. 不過,「不如講返冧把」,Affirm就升五成啦,一舊水咁滯。「但2月嗰時140蚊」,而家先返返年頭水平,你買隻垃圾中移動941跑贏佢一截。估值都係好重要的。
16. 最重要係,Amazon雖然同Affirm合作,但冇話exclusive 喎。Amazon嘅作風啦喎,就行內皆知了,你做過佢對家都知。
17. 至於其他Fintech嘢?韓國嘅KaKao Bank,一上市大過晒韓國所有銀行嘅市值添,亦令呀大股東變咗富豪,同啲財閥平起平坐。你諗下,韓國喎,幾不可思議?
18. 香港?有!「咪螞蟻金服」,嗰時上市成功嘅,肯定大過晒所有銀行,分分鐘係全世界最大嘅金融股(而全世界最大嘅銀融股唔係銀行啦下)。
(*)話時話,我好想知道,到底唔同大學甚至唔同科嘅學生,信用額會唔會唔同?拿,醒你呀,拎去做final year project啦。理論上呢,「好似醫科生應該信用額高啲」「你點折墮點包尾做個醫管局非合約都五六七皮啦」。不過我估實際上銀行don’t care,同埋費事你話歧視。不過,「如果見到係唔同大學唔同信用額仲好玩」「我覺得教大應該高啲」。同埋,如果真係。拿,真係醒你呀,認真少少拎嚟做MSc dissertation都得(MPhil PhD就未咁求其),「至少認真過我嗰份」又,我份dissertation真係相當垃圾,但我都don’t care,因為我換得去倫敦結算所實習嘅機會,雖然真係坐嗰邊只係幾日。
(**)呢度示範咩係survivorship bias.冇信用卡又點訂你Patreon呢大哥。「其實可以用Paypal」「但冇信用卡又點有Paypal呢老細」「其實係得的」
(***)有啲人讀經濟就讀死書,以為A同B一係complement 一係substitute,或者兩者之間 0-1。錯,同樣兩樣嘢,唔同情況下,可以係complement亦可以係substitute.例如?你一拖二咪知!「你有本事可以搞到變complement的」「重口味啲嘅,老婆同外婆都得」
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一週年!比別人知得多。subscribe now(https://bityl.co/4Y0h)。Ivan Patreon,港美市場評點,專題號外,每日一圖,好文推介。每星期6篇,月費100,已經1900人訂! 畀年費仲有85折,20/40年費VIP 送本人著作一本。
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同時也有35部Youtube影片,追蹤數超過11的網紅Muhammad Farid Bin Nazmi,也在其Youtube影片中提到,Final Year Project 2 Video Presentation Universiti Sultan Zainal Abidin Fakulti Informatik dan Komputeran Supervisor: Pn Norlina Binti Udin @ Kamarud...
final year project 在 Asmus Toys Facebook 的最佳貼文
"All things end, Dante. Even us"
The journey of DMC5 has finally come to an end, and Vergil would be the perfect person to execute the final strike.
Asmus Toys is proud to present you the 1/6th scaled collectable action figure of Vergil from the epic action game of the year – Devil May Cry V.
Vergil from DMC V comes in two editions, one a standard edition, featuring his signature weapon – Yamato in metallic blade; it is newly designed and made in DMC V appearance. To complete the collection of Vergil’s weapon, there is an upgrade choice of Luxury Edition, in which all the weapons from the game will be featured in 1/6th scale. Including Mirage blades and Mirage Edge. The iconic Beowulf set also return in the DMC V design. All of the weapons are interchangeable or interactive to Vergil figure.
It has been a good run since the project of DMCV began in 2018, and we cannot be more proud to deliver all the playable characters from the game into 1/6 super detailed collectable figures, and we are very proud of the results and the effort, thank you to all the fans who take part of the journey.
This is not the end between DMC and Asmus Toys, we will be back for more devil hunting.
Please use the following links to make your pre-order:
Standard:
Https://store.asmustoys.com//product-Vergil-DMC500.htm
Luxury:
https://store.asmustoys.com//product-VERGIL-(DMCV)-DMC500LUX.htm
final year project 在 Facebook 的精選貼文
<WOWOW × L'Arc-en-Ciel 30th L'Anniversary Special Collaboration
The Live Digest Video has been Released Ahead of the “20th L'Anniversary WORLD TOUR 2012 THE FINAL” Universal Studios Japan Outdoor Special Event Space Concert Broadcast!>
“WOWOW x L'Arc-en-Ciel 30th L'Anniversary Special Collaboration”
Ahead of the April 25 broadcast, the live digest video has been released.
Please do enjoy some of the band's passionate and enthusiastic performances.
Furthermore, to enjoy the program together with our fans, we are implementing the social media project, “#30th L'Anniversary Together with WOWOW (#WOWOWと一緒に30thラニバ)”.
Please do post your thoughts and expectations of this program on social media along with the hashtag, “#30th L'Anniversary Together with WOWOW (#WOWOWと一緒に30thラニバ)”, and let's share this special time with everyone.
【Tracks in the Live Digest】
CHASE / wild flower / REVELATION / STAY AWAY / READY STEADY GO / Pieces
【WOWOW Program Information】
◾Broadcast Date: April 25, 2021 (Sun) 7:00pm (local time) [WOWOW Live]
L'Arc-en-Ciel “20th L'Anniversary WORLD TOUR 2012 THE FINAL”
May 20, 2012 Universal Studios Japan Outdoor Special Event Space
◾️Broadcast Date: May 23, 2021 (Sun) 8:00pm〜 (local time) [WOWOW Prime]
L'Arc-en-Ciel “20th L'Anniversary Year Live in Hawaii”
May 31, 2012 Waikiki Shell
For more information, please refer to WOWOW's Program Website.
WOWOW Program Website>> https://www.wowow.co.jp/larc/
#WOWOWと一緒に30thラニバ #ラルク30th #WOWOW #LArc #ラルク
==================================
WOWOW × L'Arc~en~Ciel 30th L'Anniversary Special Collaboration
「20th L'Anniversary WORLD TOUR 2012 THE FINAL」ユニバーサル・スタジオ・ジャパン野外特設会場公演放送に先駆けてライヴダイジェスト映像を公開!
「WOWOW × L'Arc~en~Ciel 30th L'Anniversary Special Collaboration」
4月25日の放送に先駆けて、ライヴダイジェスト映像を公開。
熱狂のパフォーマンスの一部をお楽しみください。
また、この番組をファンの皆様と一緒に楽しむためのSNS企画【#WOWOWと一緒に30thラニバ】を実施中。
番組への期待や感想をハッシュタグ【#WOWOWと一緒に30thラニバ】をつけてSNSに投稿し、皆でスペシャルな時間を共有しよう。
【ライヴダイジェスト収録曲】
CHASE / wild flower / REVELATION / STAY AWAY / READY STEADY GO / Pieces
【WOWOW番組情報】
◾放送日2021年4月25日(日) 19:00 [WOWOWライブ]
L'Arc~en~Ciel「20th L'Anniversary WORLD TOUR 2012 THE FINAL」
May 20, 2012 ユニバーサル・スタジオ・ジャパン野外特設会場
◾️放送日2021年5月23日(日) 20:00 [WOWOWプライム]
L'Arc~en~Ciel「20th L'Anniversary Year Live in Hawaii」
May 31, 2012 Waikiki Shell
詳細は、WOWOW番組サイトをご確認ください
WOWOW番組サイトはこちら>> https://www.wowow.co.jp/larc/
#WOWOWと一緒に30thラニバ #ラルク30th #WOWOW #LArc #ラルク
final year project 在 Muhammad Farid Bin Nazmi Youtube 的精選貼文
Final Year Project 2 Video Presentation
Universiti Sultan Zainal Abidin
Fakulti Informatik dan Komputeran
Supervisor: Pn Norlina Binti Udin @ Kamaruddin
Developer : Muhammad Farid Bin Nazmi
final year project 在 果籽 Youtube 的最佳貼文
Hong Kong is teemed with rubbish bins of all sorts, totalling 42,000 in 2014 – meaning one for every 172 people and 10 times more than Seoul. Such abundance has drawn Louis Chung and Tom Hui, both in their early 20s, to keep a record of these bins across the city and share their trail of trash cans on Instagram.
Chung’s unusual interest in waste containers can be dated back to his childhood walks, where he always noticed a purple rubbish bin on his way home from school every day. He recalls, “I saw that bin as my childhood companion.” Growing up, he has taken pictures of every rubbish bin he spotted, before partnering with his design school classmate Hui to develop their final year project based on the subject. His enthusiasm has grown even greater after completing the project and now his current goal is to publish a photo album exclusively of local waste containers.
https://hk.appledaily.com/feature/20210307/F6ZO3PVDQ5CL5GN4A47X5V2QEA/
影片:
【我是南丫島人】23歲仔獲cafe免費借位擺一人咖啡檔 $6,000租住350呎村屋:愛這裏互助關係 (果籽 Apple Daily) (https://youtu.be/XSugNPyaXFQ)
【香港蠔 足本版】流浮山白蠔收成要等三年半 天然生曬肥美金蠔日產僅50斤 即撈即食中環名人坊蜜餞金蠔 西貢六福酥炸生蠔 (果籽 Apple Daily) (https://youtu.be/Fw653R1aQ6s)
【這夜給惡人基一封信】大佬茅躉華日夜思念 回憶從8歲開始:兄弟有今生沒來世 (壹週刊 Next) (https://youtu.be/t06qjQbRIpY)
【太子餃子店】新移民唔怕蝕底自薦包餃子 粗重功夫一腳踢 老闆刮目相看邀開店:呢個女人唔係女人(飲食男女 Apple Daily) https://youtu.be/7CUTg7LXQ4M)
【娛樂人物】情願市民留家唔好出街聚餐 鄧一君兩麵舖執笠蝕200萬 (蘋果日報 Apple Daily) (https://youtu.be/e3agbTOdfoY)
果籽 :http://as.appledaily.com
籽想旅行:http://travelseed.hk
健康蘋台: http://applehealth.com.hk
動物蘋台: http://applepetform.com
#HongKong #History #RubbishBin #Trash #Childhood
#果籽 #StayHome #WithMe #跟我一樣 #宅在家
final year project 在 蛇仔明 Youtube 的最佳解答
蛇仔明 • 精選
https://www.youtube.com/watch?v=or9Z_L37mts&list=PL9K8j1zstuLQQe6ORvhUih8VLCLDoohZ3
臭Fing老兄:上學去
https://www.youtube.com/watch?v=uogtlZ1NBCw&list=PL9K8j1zstuLS2Ea3BtBqYQ3Lvx_El29Zz
臭Fing:鹹蛋超人
https://www.youtube.com/watch?v=nLfyr3AA_LM&list=PL9K8j1zstuLSVutmaauFBJOJWRe18BCRi
臭Fing母蛇:台北之旅
https://www.youtube.com/watch?v=y1Aziw0alc4&list=PL9K8j1zstuLTlD8I8yTwis7oc_SLi-RgG
臭老蛇:大舊積木
https://www.youtube.com/watch?v=EZoNrn5e3Ik&list=PL9K8j1zstuLT-I5WPBA0o3scTcncnKNbl
臭Fing老兄:遇見Fans/朋友仔
https://www.youtube.com/watch?v=-jJWs5yigBU&list=PL9K8j1zstuLRqabAOf7NSevDB2wy5WqAY
臭Fing老兄:度高
https://www.youtube.com/watch?v=AqwVNk3UmA4&list=PL9K8j1zstuLTZxfhjWgJgqsw2SfT10_O4
聖誕 / 生日•事件簿
https://www.youtube.com/watch?v=o5tYJW72qTE&list=PL9K8j1zstuLRESaGiJ4TxRjNL5hRUneLz
臭Fing老兄•家政作品 & 臭fing廚房
https://www.youtube.com/watch?v=HlJx4aqgHtQ&list=PL9K8j1zstuLTkv5-uMSXZaG-94WAogSj7
臭Fing老兄:Pokémon
https://www.youtube.com/watch?v=NOjrLzFM0ZE&list=PL9K8j1zstuLRfaznBM5-kDMcaYv6iFWCG
臭Fing老兄:扭蛋事件
https://www.youtube.com/playlist?list=PL9K8j1zstuLS-Ytw-c1kabZA8sqOXGW4I
蛇仔明:另一鏡頭
https://www.youtube.com/watch?v=fbIWMKcgb1A&list=PL9K8j1zstuLT3ab3hzhntEYMxZ58pMpvb
臭Fing老兄:出奇蛋
https://www.youtube.com/watch?v=-rfOKeDrY0U&list=PL9K8j1zstuLS_3z25TVFWrJMTECOzM-0H
臭Fing老兄:年宵市場•農曆新年
https://www.youtube.com/watch?v=BA6xHav3Wrw&list=PL9K8j1zstuLSCQwfR4M5VA9hoycyOfAMj
臭Fing:發惡・事件簿
https://www.youtube.com/watch?v=gZd6wmlrkys&list=PL9K8j1zstuLSnUB-ztrZLitSRi1wgIuLq
老兄小時候
https://www.youtube.com/watch?v=Rv8CxN5ZkFg&list=PL9K8j1zstuLS3m_3FetQ0OAzbwQ-8g8jb
臭Fing老兄:超人戰鬥片
https://www.youtube.com/watch?v=m4NC1ar08dM&list=PL9K8j1zstuLTypEI1juu01JsoXFeDd_fF
臭Fing老兄:度高
https://www.youtube.com/watch?v=AqwVNk3UmA4&list=PL9K8j1zstuLTZxfhjWgJgqsw2SfT10_O4
臭老蛇:姑人→事件簿
https://www.youtube.com/watch?v=aZHIS-vY9V8&list=PL9K8j1zstuLRkhCc6MORGuCfRXHBtzcOy
臭Fing介紹:唔知咩日本食品
https://www.youtube.com/watch?v=jSQZhnAMVzQ&list=PL9K8j1zstuLSNaXshlWY-njSw9N-ZZRO1
臭Fing老兄:Kamen Rider
https://www.youtube.com/watch?v=GSqehkUWGYI&list=PL9K8j1zstuLQl0oEKqCCd9lGaDjUfmBWi
臭Fing老兄:試食
https://www.youtube.com/watch?v=Y8dKdgZy9ds&list=PL9K8j1zstuLRg6tAo7C-v2F7e_SHPDB8n
臭老蛇:Henshin Together
https://www.youtube.com/watch?v=t419dlGXdB0&list=PL9K8j1zstuLTwEVSSaJPP0q2ksKWxpU90
臭老蛇:生日、聖誕→禮物、收獲
https://www.youtube.com/watch?v=HRyzdE0H0gA&list=PL9K8j1zstuLTtbYboG-qAm3Nj_T8r2I7q
臭Fing老兄:爆旋陀螺
https://www.youtube.com/watch?v=Jp85AozXZ2A&list=PL9K8j1zstuLSKolalRrAzy05I6wDPhvi3
臭Fing:合家歡遊戲
https://www.youtube.com/watch?v=3ElrBKJXApY&list=PL9K8j1zstuLQ9IdBsTD8W8irYeYm9tyMv
臭Fing老兄:戲院大電影
https://www.youtube.com/watch?v=RuWgDJhYVDM&list=PL9K8j1zstuLTcyT18_KqKnyADM53D2ULC
臭Fing介紹:大大大
https://www.youtube.com/watch?v=x8enfr2CgoE&list=PL9K8j1zstuLTSb53nsN-as0ji3dyf8QQN
臭Fing老兄:LEGO
https://www.youtube.com/watch?v=lxezuvfMBR8&list=PL9K8j1zstuLTdRxL8mTwGg2L455w1oPfc
臭Fing老兄:公園玩
https://www.youtube.com/watch?v=uIGICQxXJok&list=PL9K8j1zstuLSVHrr5EItO94EeobjXrxVb
臭Fing 嚇人
https://www.youtube.com/watch?v=_Zo79-RE_Bo&list=PL9K8j1zstuLRqhUQl-iW0KoTYGo0v56Ln
臭Fing老兄:反斗城
https://www.youtube.com/watch?v=j3ZlVa8bLQE&list=PL9K8j1zstuLRYKWngfbXWEu7nOTyuv5Xs
臭Fing老兄:食玩
https://www.youtube.com/watch?v=XbTxfh4aQBs&list=PL9K8j1zstuLTKNYY2KIChYxsmLHAoXmTA
臭Fing老兄 Glock 18C
https://www.youtube.com/watch?v=f0t_oKVUTxc&list=PL9K8j1zstuLR0IucC_Yc5YFHRmege9VkY
臭老蛇:怪物彈珠
https://www.youtube.com/watch?v=mpsOS2oPDZA&list=PL9K8j1zstuLSAJxxXjU1ey2mEiSY63Qs6
臭Fing小學小食部食品
https://www.youtube.com/watch?v=W6wkxYXqnUI&list=PL9K8j1zstuLSD-nuREUxyWj2-vjJ39yHz
臭Fing 噴火事件
https://www.youtube.com/watch?v=3qLrY1DMCTw&list=PL9K8j1zstuLSYloheu__mUPR-bG_VNobB&index=1
臭Fing魔術
https://www.youtube.com/watch?v=PQVPJNHzQgo&list=PL9K8j1zstuLQY3MImCDIa3Fqw9sPd--7B
臭Fing老兄:發明
https://www.youtube.com/watch?v=51tAwBFuAKQ&list=PL9K8j1zstuLS3iOC45aZUIrNJt02OVDdb
臭Fing老兄:奇趣/吉之島
https://www.youtube.com/watch?v=g8qjoAt-xW4&list=PL9K8j1zstuLTgQIHz5ypbLOg3VJL35lJv
臭老蛇:第一次
https://www.youtube.com/watch?v=or9Z_L37mts&list=PL9K8j1zstuLR9q88MpH2LUxu8Kufqp2Ko
臭Fing製作→made by 臭Fing
https://www.youtube.com/watch?v=6KjUGeDDTGY&list=PL9K8j1zstuLTHCsDFoyjV2mFLuO6KyyFN
臭Fing:大興邨
https://www.youtube.com/watch?v=mDycZt-VMnM&list=PL9K8j1zstuLScEvZad15nvuvIyH7MQuy-
臭老蛇:肥人→事件簿
https://www.youtube.com/playlist?list=PL9K8j1zstuLT9UjUbesmOvOuVQZ98pHiy
臭老蛇:表姐、表稀、表常→事件簿
https://www.youtube.com/playlist?list=PL9K8j1zstuLTJc220nscnoWaV-dArLfhf
臭Fing→現時點 In's Point
https://www.youtube.com/watch?v=u294lguSVa8&list=PL9K8j1zstuLSj5VZ9JsJ4dgmgwA5lXZEr
臭Fing老兄:勞作
https://www.youtube.com/watch?v=C5qzel3ULSI&list=PL9K8j1zstuLTRgtV_JTcxAY5rIn0bjmJ3
臭Fing老兄:BBQ、玩沙
https://www.youtube.com/watch?v=nH-65EOW234&list=PL9K8j1zstuLTv48adQw8BGiDUKHEUdAJw
臭Fing老兄:日本料理
https://www.youtube.com/watch?v=aZHIS-vY9V8&list=PL9K8j1zstuLREvCjQ8dBLWJtQ6xx8B6qP
臭Fing老兄:去工廠
https://www.youtube.com/watch?v=2fYiRQ8I9FA&list=PL9K8j1zstuLRIvIHkZ1V3mezDf0dvhW88
臭老蛇:火鍋/打邊爐
https://www.youtube.com/watch?v=VgOAogjzUZ0&list=PL9K8j1zstuLTP1XI4xguLT7fMpxOEUVLD
#臭Fing老兄