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

Someone asked, “Is it wrong to borrow money?”

“The rich rule over the poor. The borrower is servant to the lender.” (Proverbs‬ ‭22:7‬ ‭WEB‬‬)

The Bible says that the borrower is servant to the lender. This is because the borrower has to work to pay the lender.

One of God’s promises is that “you shall lend and not borrow”.

“Yahweh will open to you his good treasure in the sky, to give the rain of your land in its season, and to bless all the work of your hand. You will lend to many nations, and you will not borrow.” (Deuteronomy‬ ‭28:12‬ ‭WEB)

If someone is lending, means that someone else is borrowing isn’t it?

So God is not saying don’t borrow money, if not He would say “give” and not “lend”.

I believe what the promise means is that He will prosper us who believe in Him, so that we will reach a position where we don’t need to borrow, but we will have more than enough such that we can even lend money to those in need (as led by the Spirit).

“Beloved, I pray that you may prosper in all things and be healthy, even as your soul prospers.” (‭‭3 John‬ ‭1:2‬ ‭WEB‬‬)

God prospers us as we give as unto Him. Sponsor the Gospel, help those in need, especially from the household of faith. As we sow seeds bountifully, He shall generously multiply seeds back to us so that we can continue to be well-supplied for every good work. Just read the whole chapter of 2 Corinthians 9.

As we do so in faith and worship towards God, He will supply us with good ideas, connections, helpers, to bring more financial blessings towards us.

“Send your grain across the seas, and in time, profits will flow back to you. But divide your investments among many places, for you do not know what risks might lie ahead.” (Ecclesiastes‬ ‭11:1-2‬ ‭NLT‬‬)

Through the Holy Spirit, we will receive foreknowledge that allows us to prosper. We really need Him to supply us with winning decisions.

If you are currently in debt, keep believing in His promise to prosper you and make you a financier, not a borrower. He is able to work all things for your good!

If you are blessed by the twice daily teachings/devotionals I share freely on this page, you can become a patron on Patreon if you want to receive an additional daily Bible Study teaching, as well as all my eBooks! Your patronage supports this ministry and enables us to “reach more and teach more” in the body of Christ: http://Patreon.com/miltongohblog

The IUCN Species Survival Commission has issued a call for immediate action to save Saola from extinction. In a position statement released recently, they emphasize the critical need for greater search efforts for the elusive species.

Since its discovery in 1992, there has been little detection of the animal, which suggests that it is now very rare. However, only 30% of potential Saola habitat in the Annamite Mountains on the border of Vietnam and Laos has been surveyed and as little 2% of that intensively. Experts believe the species still exists in the wild, but with the rising threat from snares, time is running out to find and save them.

“It is clear that search efforts must be significantly ramped up in scale and intensity if we are to save this species from extinction,” Nerissa Chao, director of the IUCN SSC Asian Species Action Partnership says. “For this to happen, there needs to be sustained financial investment in targeted locations.”

Read more: https://www.iucn.org/sites/dev/files/position-statement-saola.pdf

🌻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

In This Video, Dan Lok Explains How To Answer The Interview Question "What Kind Of Work Environment Do You Like?" Improve Your Skills And Confidence Further With The Valuable Courses From The Dan Lok Shop: https://bestworkenvironment.danlok.link

What kind of work environment do you like? This is a common question during job interviews. Discover the 3 best ways to answer this question and one mistake many people make when answering this question. Plus, after watching this video, you'll also understand why the interviewer is asking this question.

▬▬▬▬▬▬▬▬▬▬ Video Highlights ▬▬▬▬▬▬▬▬▬▬
0:00 - Intro: What Kind Of Work Environment Do You Like?
1:00 - Why Do Interviewers Ask This Question?
3:15 - Answer #1
5:27 - Answer #2 (Management Position)
6:03 - Answer #3
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬

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Dan Lok has been viewed more than 1.7+ billion times across social media for his expertise on how to achieve financial confidence. And is the author of over a dozen international bestselling books.

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Dan Lok trains as hard in the Dojo as he negotiates in the boardroom. And thus has earned himself the name; The King of Closing.

If you want the no b.s. way to master your financial destiny, then learn from Dan. Subscribe to his channel now.

★☆★ CONNECT WITH DAN ON SOCIAL MEDIA ★☆★
YouTube: http://youtube.danlok.link
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#DanLok #InterviewQuestions #WorkEnvironment

Please understand that by watching Dan’s videos or enrolling in his programs does not mean you’ll get results close to what he’s been able to do (or do anything for that matter).

He’s been in business for over 20 years and his results are not typical.

Most people who watch his videos or enroll in his programs get the “how to” but never take action with the information. Dan is only sharing what has worked for him and his students.

Your results are dependent on many factors… including but not limited to your ability to work hard, commit yourself, and do whatever it takes.

Entering any business is going to involve a level of risk as well as massive commitment and action. If you're not willing to accept that, please DO NOT WATCH DAN’S VIDEOS OR SIGN UP FOR ONE OF HIS PROGRAMS.

This video is about What Kind Of Work Environment Do You Like?

https://youtu.be/yhCYdp5KxMs
https://youtu.be/yhCYdp5KxMs

For this episode, I devoured 50 Otah Buns from Soul Shiok! for a charity challenge! Soul Shiok! is a homegrown Otah Bun kitchen that delivers freshly made Otah Buns to your doorstep. The Otah Buns are made fresh with a spiced mackerel filling.

For this challenge, an anonymous donor challenged me to consume 50 Otah Buns in one go, and if I did it, he would donate $800 to Assisi Hospice. Assisi Hospice provides palliative care for patients and families that preserves their dignity and quality of life. Patients of any race, faith and financial position are cared for by their team of specialist doctors, nurses, allied health and pastoral care professionals. When faced with life limiting illnesses, their patients receive medical care, as well as psychosocial, emotional and spiritual care.

The Otah Buns were surprisingly plump with a generous amount of filling per bun. They were distinctively spiced, with a good amount of spiciness and notes of lemongrass and curry leaves. As is traditional, they were wrapped in banana leaves for additional aroma. The filling had decently sized chunks of mackerel in them.

With such high stakes, I did not let Assisi Hospice down and completed the challenge, pushing through the heat. I am glad that they will be receiving their much needed $800 donation, but please consider helping them out yourself by chipping in what you can. Do also support Soul Shiok! for providing the Otah Buns for this charity challenge!

Support Assisi Hospice by shopping and eating for good at www.assisifunday.sg too!
You can also find them at https://www.facebook.com/assisihospice

Order from Soul Shiok online at: https://www.instagram.com/soulshiok/?hl=en

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After a drawn-out recruitment by the Memphis Grizzlies, Iverson finally confirmed Wednesday morning that he is indeed ready to sign with them, announcing via his Twitter feed: "God Chose Memphis as the place that I will continue my career."

Referring to a Monday meeting with Grizzlies owner Michael Heisley, general manager Chris Wallace and head coach Lionel Hollins, Iverson added: "I feel that they are committed to developing a winner and I know that I can help them to accomplish that. I feel that I can trust them."

The Grizzlies are believed to be offering Iverson a one-year deal worth $3.5 million, which is far less than the nearly $21 million he earned last season in Denver and Detroit but more than anyone else was prepared to pay the 34-year-old.

At Heisley's behest, Memphis has been pursuing Iverson since July, ignoring concerns about his willingness to accept a reserve role or his ability to co-exist in the same offense with Mayo, Gay and Randolph because of Iverson's presumed ability to generate interest and sell tickets. The Grizzlies, throughout Heisley's ownership, have languished in the shadow of the Memphis Tigers' many successes in the collegiate game.

Grizzlies officials have yet to formally announce the signing but have made it clear since last week that they have merely been waiting for Iverson to take their offer.

In a radio interview Tuesday with WHBQ-AM in Memphis, Wallace sounded hopeful about Iverson ultimately joining the team, saying: "We had a very productive meeting yesterday where both sides got to know each other and what our expectations were. We got to hear Allen out, he got to hear us out and I thought it went pretty well."

Asked specifically about Iverson's well-known aversion to coming off the bench, Wallace said: "He indicated to us that he just wants to come in and help a team out, to get better, to win, and he'll shine during that process. I think Allen Iverson is going to be very fine with whatever role he would end up fulfilling here in Memphis. ... He knows where we're coming from, we know where he's coming from and I think if he comes here it's going to be a very productive marriage."

Monday's sitdown in Atlanta was the first face-to-face contact between Iverson and Grizzlies officials since the process began, with Memphis negotiating to this point primarily with Leon Rose, Iverson's agent.

Iverson has spent much of the past two months hoping that a firm offer would materialize from the Miami Heat, New York Knicks or Charlotte Bobcats, with the latter presenting the possibility of a reunion with former coach Larry Brown. But Iverson was ultimately forced to concede that only the Grizzlies had the financial flexibility and definite interest to pay him more than a minimum salary after his nightmarish stint with the Pistons.

Iverson played in only 57 games last season after being dealt by Denver to Detroit less than a week into the season and averaged a career-low 17.5 points, hampered by a back injury and his open struggles to cope with coming off the bench for the first time in his career. He would end up leaving the Pistons in April by mutual agreement before the playoffs.

But Iverson has insisted in recent days that he is amenable to whatever the Grizzlies have in mind for him as well as the steep drop from last season's salary, writing via Twitter: "Memphis is a place that I would love to play. The Grizzlies have good young players with a great upside. I love the city of Memphis, too.

"I would lead by example," Iverson wrote.

With Mayo at the same position, Mike Conley returning at point guard and Randolph's arrival over the summer, bringing in Iverson would appear to run counter to the Grizzlies' previous intent to develop a group of youngsters which also includes center Marc Gasol and No. 2 overall draft pick Hasheem Thabeet.

Yet in a July interview with ESPN.com, Heisley disputed suggestions that signing Iverson -- the sort of drawing card that the Grizzlies have never had in an eight-season run in Memphis marked by notoriously low attendance figures -- was dangerous or purely motivated by the prospect of ticket sales.

"What appeals to me?" Heisley said, repeating the question. "He's one of the greatest players in the last 10 years in the NBA."

In an interview Wednesday with NBA.com, Heisley said: "He told us he was very interested in playing with the young team we've assembled. He thought he could help us win and he was looking forward to helping the young players, and helping them to develop. Frankly, I'm ecstatic to have him.

"I don't buy into all of the stuff that's gone on. I'm not saying none of it happened. Some of it did ... but I know Allen is an excellent player. He's going to the Hall of Fame. ... The city of Memphis is going to be ecstatic to have him. We've never had a Hall of Famer, a guy of Allen's stature playing in Memphis. I feel Allen is going to be outstanding for us."