關於 pay upfront ，我們在網路上蒐集到這些相關的討論、資訊與評價

What are your favourite local businesses? Here are a few Malaysian local businesses that I love (and miss!). Local businesses are struggling now and we do what we can to support them.

I’m proud to join hands with myIOU family – as the Face of myIOU – to help keep the businesses alive!

myIOU is a Buy Now Pay Later digital platform for consumers to split their purchase up to 6 affordable monthly payments at ZERO interest whilst merchants get paid upfront! Best thing is, they are now offering FREE setup and FREE annual maintenance fees to all businesses that need help out there, until 31 August!

Let’s support our local businesses during these tough times, I’m so happy that with myIOU we can continue doing that!

Follow myIOU or visit www.myiou.com for more information.

https://www.facebook.com/myIOUAsia/
#myIOUxYuna
#myIOU
#buynowpaylater
#buynowpaydigital
#BNPL
#IOUpay

𝗪𝗵𝘆 𝘆𝗼𝘂 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗲𝘅𝘁𝗿𝗮 𝗰𝗮𝗿𝗲𝗳𝘂𝗹 𝗼𝗳 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗰𝗼𝘀𝘁𝘀 𝗮𝗻𝗱 𝗳𝗲𝗲𝘀 𝗶𝗻 𝗰𝗼𝗽𝘆 𝘁𝗿𝗮𝗱𝗶𝗻𝗴

Copy trading is a business.

So, if you’re not being charged any upfront fee, then you’re paying more for the spread and overnight fees.

I’ll explain…

For most Forex brokers, the spread on EUR/USD is 1 pip. But on a copy trading platform, you might pay 2 to 3 pips more.

But don’t take my words for it because you can compare the spreads of a normal Forex broker with a copy trading platform and you’ll see the difference.

So, what’s the implication?

Two things.

#1: If you’re a trader being copied, then bear in mind your trading strategy won’t work as well because you’re paying more in spread (compared to a typical Forex broker).

#2: If you’re copying another trader, then it’s best to follow traders who trade infrequently so the spread doesn’t eat up a huge chunk of your profits.

Now, the spread isn’t your only cost because you still have to consider overnight fees (if you’re holding positions for longer than a day).

This fee is calculated by taking Libor + X%.

(Libor stands for inter-bank offered rate. It’s an interest rate that banks charge to other banks for borrowing the money.)

So, what is X?

Well, this is the mark up that’s determined by the copy trading platform and you’ll need to check with them for the exact amount.

The good news is, you don’t have to worry about calculating all these because the platform will likely do it for you—so do check it out before placing a trade.

Now, there are probably other fees to consider but the spread and overnight fees make up the chunk of it.

Success has a price. And you must pay that upfront and in full. But why do you want to be successful?

Comment below and share your “why”.

Twitch傳送門： https://www.twitch.tv/otakuarmy2

今天來冒著被罰三百萬的風險來談談疫苗的真相吧，說實話我就不懂到底疫苗有甚麼不能談的，還要上午開個記者會罵人假訊息，那些假訊息無礙防疫啊?你到底注重的是政權還是抗疫啦?

根據今天聯合報的報導:【台灣疫情爆發，疫苗緊缺，曾一度與我失之交臂，代理德國BioNTech公司的上海復星醫藥集團昨天表示，願意將擁有獨家商業權益的疫苗，提供給台灣，加強台灣防疫。中央流行疫情指揮中心指揮官陳時中表示，現在大家都一直在放話，但一直沒接到任何正式的訊息，藥品輸入需經審核程序。】ㄟ不是，感覺我國的CDC對上海復星特別壞，COVAX的疫苗難道不是我國官方主動去申請的嗎?MODERNA的疫苗難道不是我國主動去申請購買的嗎?AZ疫苗難道不是我國官方主動去申請購買的嗎?怎麼就上海復星的疫苗是他們或是國內的廠商需要主動跟CDC申請?這樣不是又雙重標準嗎?

然後我國知名的以八千元就在台北市跟民進黨發言人租到一間房子的王定宇又在臉書做夢說話了，ㄟ不是，立法委員發言有免責權喔，你幹嘛那麼膽小害怕還要跟一般老百姓一樣躲躲閃閃用作夢的?根據新頭殼的報導:【王定宇更在文中指出，「夢中浮出來的畫面，這支快過期疫苗名為「復必泰」，是中國復星醫藥和德國BioNTech合作生產的核糖核酸（mRNA）疫苗，這個疫苗又叫「BNT」。」他直言，在上海復星、國台辦、到藍紅政客、特定媒體的話術中，這支疫苗卻成了特別慈悲要給台灣購買的疫苗，「……網路上出現了很多沈睡一陣子的帳號，都在鼓吹台灣應該買『上海復星』的『BNT』，否則就是意識形態作祟！」】

王定宇這樣說我就不理解了，台灣目前很需要疫苗，就跟在沙漠中迷路的人需要喝水一樣。你要不要買BNT疫苗跟你是不是需要有關，國台辦跟紅藍營甚麼鬼的講甚麼話哪有甚麼關係，跟香港人要不要有甚麼關係?只要CDC審核通過，AZ疫苗我們不是也拿一堆即期品，還不知道這次打不打得完咧。而且更重要的是，這批疫苗是百分之百在德國製造，由美商在德國封裝，空運到亞洲來的，我們也沒有因為王定宇租到很便宜的房子還嫌太貴，因此就把你的話當放屁啊?全世界都在搶疫苗，台灣搶不到，現在有疫苗還不爽用，台灣疫情有沒有這麼輕鬆啊?你不買才是意識型態作祟吧，不然胖胖王定宇委員不要打，給胖胖朱學恒打，十倍價錢我也願意。

而且更重要的是，打了以後有國際免疫認證，可以出國啊!台灣的國產疫苗並沒有! 楊哲銘／台北醫學大學醫務管理學系教授今天在蘋果新聞網的投書:【美國批准的第一個新冠肺炎疫苗是BNT疫苗，批准的日期是2020年12月11日；第二個是莫德納，批准的日期是2020年12月18日；第三個是嬌生，批准的日期是2021年2月27日。歐盟批准的第一個疫苗也是BNT疫苗，批准的日期是2020年12月21日，目前核准的還有莫德納、嬌生跟AZ。WHO核可緊急使用(emergency use listing)的第一個疫苗也是BNT，批准的日期是2020年12月31日，目前核准的還有莫德納、嬌生、AZ、跟中國大陸的國藥疫苗(Sinopharm)。】

下面我花點時間介紹上海復星跟BNT這次合作的過程，我花了很多時間查，一毛錢都沒有拿到BNT或是上海復星的錢，又要說我中共同路人的傢伙記得把錢補給我好嗎?

這是2020年3月16日發自德國法蘭克福的路透社消息: 【China’s Fosun will pay BioNTech up to $135 million in upfront and potential future investment and milestone payments for development achievement, BioNTech said, adding that the two companies will share future gross profits from the sale of the vaccine in China.Fosun will also take a 0.7% stake from new shares in BioNTech for $50 million.】

而當時，BioNTech的信使核糖核酸(mRna)疫苗根本連人體實驗都沒開始，是否能取得授權都在未定之天，所以等於上海復星冒了一個很有可能血本無歸的風險，先投資五千萬美金買下1,580,777 BioNTech的普通股，也就是0.7%的股權，然後準備付出最多一億三千五百萬美金的費用，也就是額外付出八千五百案美金來購買一億劑的BioNTech疫苗給大中華區使用。然後今年五月十二號，雙方又更密切的合作了，上海復星投資一億美金跟BioNTech在中國合資建造生產設施，預計每年可以生產十億劑疫苗，而如果有額外的mRNA疫苗生產，也可以納入投資協議之中。

簡單來說，上海復星早在疫情剛爆發的三月，就特別遠赴美國(報導寫美國不知道為何不是德國)跟BioNTech在研發疫苗的非常早期就簽訂了投資協議，而且入股BioNTech成為股東，這個疫苗完全有可能徹底失敗，但他們冒了這個風險，而且賭贏了。正所謂早買早享受，晚買不一定有折扣。

而根據香港當地在2020年8月27日發布的消息:【Jacobson Pharma Collaborates with Fosun Pharma Group to Supply Potentially 10 Million Doses of BioNTech SE’s COVID-19 Vaccine Candidate in Hong Kong and Macau】雅各臣這家公司(知名產品有保濟丸等等)簽署了在港澳地區代理BNT疫苗的意向書。這也是為什麼台灣想要購買BNT疫苗時，後來會有雅各臣傳聞中的介入的原因，但其實雅各臣是BNT跟上海復星的小弟啊。

後面的故事呢，吳子嘉董事長都講過啦哈哈哈~~~~

阿宅萬事通語錄貼圖上架囉 https://reurl.cc/dV7bmD​

【加入YT會員按鈕】 https://reurl.cc/raleRb​
【訂閱YT頻道按鈕】 https://reurl.cc/Q3k0g9​
購買朱大衣服傳送門： https://shop.lucifer.tw/
成為這個頻道的會員並獲得獎勵：
https://www.youtube.com/channel/UClQ5uf3vMejw6-BalB-xeOg/join

Don't be fooled fam, there's a LOT more involved than just monthly payments!

This episode's timestamp guide:
00:00 Introduction
0:53 Main Budgets
1:43 Baby toast please
2:14 Upfront payments
2:45 COST 1 = BANK LOANS & DOWNPAYMENTS
4:31 Baby break
4:50 Added notes: Booking fees
5:35 COST 2= REPAIRS
7:04 COST 3 = LEGAL FEES
9:01 Baby break 2
9:41 Welcoming the finance minister of our home
10:12 COST 4 = Furniture
12:04 Baby break 3
12:20 Suyen's Tip = Bring a contractor to the property for quotes
13:20 COST 5 = Electronics & Plumbing
15:10 COST 6 = Misc. Fees
16:04 Baby break 4
16:13 COST 7 = AFTER-FUNDS
17:27 Closing Notes from us!

BIG SHOUTOUT to the PropertyGuru team!
For your references! (Surf around their site for more!)
Guides for LEGAL FEES shenanigans: https://bit.ly/3mqUPaT
Should you pay off your home loan early? https://bit.ly/2Ts2ZUf
Home Loan Tools & Calculators: https://bit.ly/3oyDsqv

SUBSCRIBE FOR MORE VIDEOS!
OR tell us what you would like to talk about! :)

--------
FOLLOW US UP AT
Suyen: @suyenpang
MingH: @dmingthing

KANTO & Dough-Boy - WON 【Official Music Video】

Composer: Cielo / Elapse
Lyricist: KANTO / Dough-Boy
Arranger: Cielo / Elapse
Producer: Cielo / Elapse


Directed by Hobin Kim
I'm the one
Stacking dollars and Won
I'm the one
Korea Won and one
I'm the one
Stacking dollars and Won
I'm the one
Korea Won and one

I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one
I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one

Dough-Boy:
We ain’t the same thing
They calling me now, ring ring
Talking money on my biz phone
No money on no bling bling
I ain’t spending like that 'cause I’m smart
I could even go back to the start
You ain’t saving no money in the bank
So why are you acting so hard?

Skinny little guy but I’m eating good
Walk through soho and they feed me food
Stop looking at the way that I’m dressing now
Serve me that plate is what you need to do

You need me to give you some pointers?
I need some steak tartare and some oysters
I'm feeling a little bit puzzled
'Cause you ain’t shaving me that that truffle

Your girl telling me, 'I’m the one'
Making Hong Kong Dollars making Won
You thinking I do it for fun?
Goddamn it they pay me upfront
Your girl telling me I’m the one
Making Hong Kong Dollars making Won
You thinking I do it for fun?
Goddamn it they pay me upfront

I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one

I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one

KANTO:
안녕 도보이
그래 우린 dope boy
너희 귀에 몰래 들어가네 이건 첩보임
대한민국에서 홍콩으로 보내
좋아 죽을 게 뻔하지 거의 꺼이
한글을 몰라도 이걸 알아먹지
내 벌스는 또 버닝 해 비행기 자리 얻지
뭔지 모르는 애들아
중국말로 해줄 게 니치팔로마

Yes 아까워
Yes I’m the one
but Stress 받지 않아 걱정 마
Address 이미 정상 위라서
난 이미 알아내 성공
헤이터들이 번 돈 들의 몇 배를 벌고
Shout out to 대한민국 like 태권도

I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one

I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one

No 2s no 3s and girl know I'm the one
I’m the one
Where are you from?
We don’t care about 피부색
No 2s no 3s and girl know I'm the one
I’m the one
Where are you from?
We don’t care about

I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one

I'm the one
Hong Kong Dollars and Won
I'm the one
Korea Won and one