Search
今日學習分享筆記
奥茲法則（Oz Principle）的四個「當責」步驟
步驟一：正視現實（See It）
認識及承認現實的情況。自己會看到，這一步十分困難，因為大多數人很難誠實地自我評價，並承認自己可以為績效付出更多。
步驟二：承擔責任（Own It）
為自己和他人所創造出來的經驗和事實負責。這一步，讓自己踏上行動之路。
步驟三：解決問題（Solve It）
以發現或實現未曾想過的解決方法來改變現狀，當障礙出現時，避免落入水平線下的陷阱。
步驟四：著手完成（Do It）
做出承諾，鼓起勇氣，去完成自己所認定的解決方式，即使這些解決方式非常危險。
最近都在玩樂，沒有好好學習^^ 人講求balance，認真玩認真讀書，也認真賺錢。
恭喜 你成為一個負責任的人。記得要多休息。工作與休息同樣重要，經過思考、練習、重整的休息，來啟動無可限量的創造潛力。
🌻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
Shine your own colour.
每個人每個靈魂都是獨一無二的，也都有獨一無二的天賦才能及旅程，沒有一個靈魂是一模一樣的。因此，我們只要有意識地認知到自己的獨特性，那麼就不會有競爭感、妒忌心、挫敗感及在意他人評價的問題。
我們從小就在心中被種植自卑的種子，無法本然地成為自己心之所嚮，總是要符合父母、社會、師長甚至體制所期盼期望的樣子，因此這個社會把每個人都雕刻成一個模子，每個人看起來都一樣做著一樣的事有著一樣的能力，所以我們會比較。不是我比你好，就是我比你差。我比你好，我會開心；而我比你差，我會難過。公司提升他為經理而不是我，就代表我比他差或是他能力比我好，諸如此類。然而，事實是我們每一個人都不一樣，很不一樣。我有我的獨特性，而你有你的，無從比較起。所以，如果我們看得到自己的獨特性，那麼只要把自己的獨一無二淬煉地精純，沒有人拿得走，也沒有人可以比較。
It’s time to celebrate the uniqueness of the individual.
*中文在下面
Tofu pudding (豆花 Dou Hua) is my favourite Taiwanese snack, and I miss it ever so much in London. Since I learned how to make amazing homemade soy milk (the recipe is here: www.youtube.com/watch?v=NYXYNJQmxxY&t=37s), I asked myself why not try to make some 豆花？
It was a huge success! If I had known earlier that making 豆花 was easy, I would not have suffered all these years (or bought the super expensive 豆花 in Chinatown😅 )
豆花 is like a super silky, tender, delicate tofu. In Taiwan, we normally have it as a dessert: the sugar syrup is a must and for toppings, you can choose from traditional choices beans, peanuts, taro ... to bubbles (tapioca pearls), taro balls etc...
You can also replace the syrup with soy milk, but I highly recommend you add some warm ginger syrup. It will definitely warm you up in winter!
豆花是我最喜歡的甜點之一，簡單樸實冬夏皆宜。我最喜歡的豆花店是師大附近的鎮江號，跟小時候常駐巷口的一位豆花伯做的豆花（可惜豆花伯已仙逝QQ)
原本從沒想過我會自己做豆花，但某次在亞超瞄到熟石膏粉之後，就熊熊燃起了豆花魂。抱著應該會失敗的心情戰戰兢兢的做了人生第一鍋的豆花，成品卻是成功到差點抱著鍋子痛哭。
趁記憶猶新趕忙做了第二鍋順便拍成影片，這一大鍋豆花後來被聞豆而來的友人獨自吞完半鍋，由此可證品質還算有保障。
我小時候學到的豆腐作法就是使用熟石膏粉，但網路上對石膏粉的評價不一。我個人覺得熟石膏粉做的豆花口感、味道跟洋菜或吉利丁版的是完全不同層次，完全就是記憶中軟軟嫩嫩豆味飄飄的豆花，再搭上薑汁糖水跟珍珠，真的幸福無比。
🎶 準備食材 Ingredients:
1. 新鮮豆漿 Fresh soy milk 1.5L (please do not use the supermarket brands, they taste 100% different. If you can, make your own. If you do not have time, at least buy fresh soy milk from an Asian shop)
2. 熟石膏粉 Gypsum powder 1.5 Tablespoons (中國城購入 I bought it in Chinatown, but you also can buy it online)
3. 地瓜粉/太白粉 Potato starch / sweet potato starch 1.5 Tablespoons
4. 水 Water 75ml
🎶 糖水跟豆花料 Ingredients for syrup and toppings:
1. 糖 Sugar 適量
2. 水 Water 適量
3. Tapioca pearls and others
🎶 工具 Tools:
- 食品用溫度計 Food thermometer
- 乾淨的布 Clean tea towel
🎶 糖水製作方式：
我糖水是先把糖加入一咪咪的水用火煮到焦糖化，等糖變成胡珀色就沖入少許熱水（這步驟小心燙傷），再稍微熬煮一下之後糖水就完成了。我這次加入一點磨碎的薑泥，變成薑汁糖水，配豆花很讚唷！
(☞ ͡° ͜ʖ ͡°)☞ 追蹤我認真經營的IG:
https://www.instagram.com/wenn.derkuchen/
(☞ ͡° ͜ʖ ͡°)☞ 看看我的深度文章：
https://reurl.cc/oLjDgq
#tofupudding #Taiwanesefood #vegandessert #vegan #豆花 #自製豆花 #Duohua
#louisvuitton #包包分享 #手袋分享 #MultiPouchette #prada3in1
Follow Me:-
? My Instagram: @iamhakme
? My Facebook: www.facebook.com/hakmebeauty
? Blog: www.hakmebeauty.com
? Weibo: https://www.weibo.com/iamhakme
? 小紅書: http://bit.ly/2W2LcSx
? Shop My Looks: https://goxi.ps/iamhakme
Timestamps:-
00:00 Intro
00:47 LV Multi Pochette Accessoires Prada Re-Edition 2005外觀比較
02:19 LV Multi Pochette Accessoires Prada Re-Edition 2005容量比較
07:32 LV Multi Pochette Accessoires Prada Re-Edition 2005長度比較
09:37 LV Multi Pochette Accessoires Prada Re-Edition 2005評價比較
Products Featured:-
⭐️ Louis Vuitton Multi Pochette Asscessoires HK$15,200
? Review: https://bit.ly/32SRiKw
⭐️ Prada Re-Edition 2005 尼龍單肩包 HK$9,900
⭐️ Balenciaga Papier Mini Wallet Review: https://bit.ly/3jT9bzR
On Me:-
+ Dinh Van Bracelet
+ Hermes Finesse Bracelet in Rose Gold (Link: http://bit.ly/2PvKvyk)
+ Cartier Love Bracelet SM (Blog: http://tinyurl.com/mgs7o2c)
+ DPT Endless Diamonds Bracelet (Link: http://bit.ly/2BQz11h)
+ VendomeAoyama Diamond Necklace (Link: http://bit.ly/2yhxcLw)
Follow Hakme Beauty:-
?黑咪店地址: https://www.hakmebeauty.com/store-locations/
?黑咪店路線圖: http://bit.ly/2W3pUZr
?黑咪店Online: https://shop.hakmebeauty.com
?黑咪店Instagram: @hakmebeauty
?黑咪店Facebook Page: https://www.facebook.com/hakmebeautyltd/
************************************************************************************
Disclaimer: This video is created and edited by me. All the content are my own thoughts. As always, all opinions are based on my experience and honesty. Products are either purchased by me or for those which are sent by PR are marked with an “*”. For any collaboration with brands which involves monetary payment, “Ad” will be in the video so that you are aware of the collaboration. Some of the links used above might be affiliate links and please be aware that I will earn a % of commission if you decide to buy through the affiliate links.
#CookWithPenny#氣炸鍋
氣炸鍋：
https://amzn.to/3iLJnph
氣炸鍋是6 in 1,功能非常方便,價錢也很迷人！又是一個可以省時間的好物～
氣炸鍋真的很好用耶，我很後悔沒有早早入手！塑膠味道的確一開始有聞到，後來在使用兩次之後就沒有味道了。不過機器本身真的有點大聲，可能是因為太大台的關係，但是散熱效果跟加熱效果的確很讚！
我後來看過其他的氣炸鍋牌子，我感覺功能大同小異，最後都只是在挑樣式跟顏色還有大小，我最主要是看哪個便宜～
氣炸鍋蓋子：（氣炸鍋蓋子要搭配在壓力鍋上面，有instant pot壓力鍋的人才能購買，若要購買的話也要先注意大小，我看評價還不錯）
https://amzn.to/31SyPii
壓力鍋開箱，省時省力好物！
https://www.youtube.com/watch?v=rMcfs2r39D0&t=17s
→諮詢Instagram: Daruma_Penny
https://www.instagram.com/daruma_penny/
→Facebook: NiniFun （＠pennyninifun)
https://www.facebook.com/pennyninifun/
→Instagram: Pennicentt
https://www.instagram.com/pennicentt/
→Personal Facebook: Penny Fun
https://www.facebook.com/penny.hsu.39948
→For Business Inquiries ONLY. Please email:
Ninifunsy2@gmail.com
→Camera:
*Canon EOS Rebel T6i
https://amzn.to/2IQgaal
* Canon G7X II (my vlog camera)
https://amzn.to/2LvJBjQ
*Camera Stand (Big one)
https://amzn.to/2IQ6gJW
*Camera Stand (For Vlog)
https://amzn.to/2LzlgK8
→Video editor: Wonder Share & Imovie
THANK YOU FOR WATCHING
謝謝您的觀看
LIKE AND SHARE MY VIDEOS IF YOU DO!
喜歡我的影片可以按讚+分享囉~
Penny XOXO
" I do not own ANY of the soundtrack, property and rights for audio go to (band/singer name)"
2020年6月13日 — 在板上收尋了一下，好像很少人提，請問有人買過？覺得這件上衣很好看，不知道他們家衣服品質如何- 衣服,問題. ... <看更多>
OWN LIGHT在PTT/DCARD討論網購與高評價商品，提供LED DOWNLIGHT、DOWNLIGHT 15W、DOWN LIGHTWEIGHT優惠價格，找OWN LIGHT相關商品就來飛比. ... <看更多>
own評價 在 [心得] 最愛平價網拍OWN.co歐恩7套穿搭分享- 看板e-shopping 的推薦與評價
★物品名稱：
1. 抓皺感小澎袖上衣 / 白 (已下架) $390
2. 微透布紋針織上衣 / 粉 $450 https://reurl.cc/5l6EpG
3. 方領短版上衣 / 黑 (已下架) $390
4. 百搭彈性高腰開岔裙 / 杏(已下架) $480
5. 微透圓領tee / 桔梗紫(已下架) $390
6. 短版直紋上衣 / 綠(已下架) $480
7. 側綁帶垂墜感襯衫 / 白 (已下架) $480
☆賣家名稱：own.co 歐恩
★拍賣網址：參考前述
☆網誌心得：https://reurl.cc/9Ejmna
內文+照片
這次要來推薦平價的網拍，
價格便宜、款式好看材質也不會太差，就是cp值很高的一家網拍!
就是OWN.co歐恩。覺得小白和老邱超美的呀。
一共有七款穿搭，其中有三款是比較偏向剛換季春天的，
好~都怪我懶寫的很慢啦，但等秋天來時也還是能繼續拿出來穿呢(是不是很節儉的感覺)
先從夏日新款看起，
1.抓皺感小澎袖上衣 / 白
這件號稱是小胸必備款，胸前的抓皺感真的可以讓胸前視覺超微豐滿一點沒錯!
澎袖+白色穿起來有種清新小可愛的感覺，
版型算合身但不緊身，即使白色穿起來也不顯胖，
但如果你本身手臂過肉的可能不適合這件，
因為袖子那邊倒是有點偏緊身，大概超過50kg我就覺得不適合了。
有點短版，但搭配中高腰的褲子蠻剛好的，
特別喜歡這件和老爺褲的搭配，很夏天很輕鬆的感覺。
2.微透布紋針織上衣 / 粉
怕曬得就要來一件這種微透、薄博的外套阿~~
這款多了一點布紋的設計，材質是那種很薄很薄的針織，說實話還是會覺得有點熱的，
不過這件好處是我覺得不太會變型、不會很快鬆掉那樣，
袖長也蠻長的，從手臂到雙手都能防曬到喔!!!
總共有5色，年紀超長爾偶還是想要穿個粉色裝個可愛啦
內搭的bar Top也是own歐恩家的喔，蠻好穿的，內有附罩杯就可以直接穿。
3.方領短版上衣 / 黑
這款穿起來很有小公主感，
會讓人有種以為是緞面材質的感覺，
尤其黑色穿起來蠻有質感的，以這個價錢來說CP值算是高的!
喜歡方領的設計，露出鎖骨感覺也是蠻偏瘦，
這款的袖子空間比較大，相對於第一款小澎袖就比較沒有身材的限制!
4.百搭彈性高腰開岔裙 / 杏
這件裙子真的百搭，
材質適中、沒有很厚，也是可以一路穿到夏天的款式，
而且彈性蠻好的，我158/45，25腰本來怕屁股太大拿了M，發現好像有點過鬆了。
也是高腰的款式，還是蠻高腰的喔，
把衣服扎進去穿很顯腿長呀!!
我真的很愛穿襪子配涼鞋~~~~順道一說 teva的涼鞋真的好穿又好走啦!
5.微透圓領tee 桔梗紫
之前母親節獲得孩子們送的長裙，
搭上今年很夯的紫色，但感覺就是少了一件上衣啊!(衣櫥永遠少一件)
剛好在own看到這款圓領tee立刻下單，
是漂亮的紫色耶，
配起來好像一套般，材質薄透的好穿又能遮陽，
還稍微有點微透微透，就是很實穿的基本款!
6.短版直紋上衣 / 綠
這個綠色好好看呀~~~顯得氣色很好，
材質算是有感的針織、但是蠻柔軟的，穿起來很舒服，
短版設計，搭配起高腰褲穿會很好看，
但這件絕對要秋天之後才能穿，這件單穿的暖度就蠻夠的。
7.側綁帶垂墜感襯衫 / 白
很愛這款襯衫，微寬鬆版型+綁帶的設計，讓白襯衫顯得不無聊
這件是前短後長的設計，可以遮屁遮大腿修飾性很好，
本身有很多小細節，像是圓弧的剪裁、側邊還多了綁帶的設計，
讓整體看起來多了一種浪漫的垂墜感
雖然說是寬鬆版，但材質算是蠻挺的，不容易變形!
以上7款分享給大家囉，他們家的幾乎都不踩雷啦，可以很安心入手。
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 118.169.246.227 (臺灣)
※ 文章網址: https://www.ptt.cc/bbs/e-shopping/M.1595597478.A.F84.html
... <看更多>