There's no point in trying to look rich but ending up broke in the process.
A lot of people get into debt just so they can look cool by having the newest car, nicest house, or the nicest clothes.
And all that is great when you can afford it, but most people aren’t in that position.
Here’s how the rich stay rich.
They invest their money into income-generating assets...
Then use the cash flow to pay for their luxuries.
Then once they've paid their loan off, they still have their lumpsum making them money month in month out.
What was your biggest takeaway from this post?
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同時也有32部Youtube影片,追蹤數超過255的網紅陳宇豐XEnic,也在其Youtube影片中提到,歡迎訂閱: 益級娛樂/陳宇豐XEnic 專屬音樂頻道 https://reurl.cc/j8kMx1 https://reurl.cc/Dgdnam XEnic Instagram 快速連結 https://pse.is/3jcg4d Mr. Bentley 作詞:Zhen Ding 作曲...
cash point 在 貓的成長美股異想世界 Facebook 的最佳貼文
🌻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
cash point 在 Leica Camera Facebook 的精選貼文
Through cash awards, camera equipment, professional development and promotional opportunities, the Leica Women Foto Project amplifies voices historically underrepresented in photography and encourages diversity and inclusion in visual storytelling. Call for entries now open for the LWFP Award and LWFP x VII Mentor Program.
Jurors of the LWFP Award include:
• Karin Kaufmann, Director, Leica Galleries Worldwide
• Elizabeth Avedon, Independent Curator @elizabethavedon
• Amanda Hajjar, Founding Director of Exhibitions, Fotografiska #AmandaHajjar
• Natalia Jiménez, Picture Editor, The Washington Post @nataliajimenez
• Lynn Johnson, Photojournalist @ljohnphoto
• Elizabeth Krist, Former Senior Photo Editor with National Geographic #ElizabethKrist
• Eve Lyons, Photo Editor, The New York Times @lyonse
• Laura Roumanos, Co-Founder, United Photo Industries #LauraRoumanos,
• Maggie Steber, VII Agency photographer and Guggenheim Grant Fellow @maggiesteber
• Sandra Stevenson, Associate Director of Photography at CNN #sandrastevenson
• Denise Wolff, Aperture Foundation @wolffdee
The LWFP Award will grant three photographers $10,000, a Leica SL2-S camera, and a Leica Vario Elmarit-SL 24-70mm each to help complete an in-progress, personal photo project that bears witness to humanity, expressed through the female point of view. Awardees will be featured in a 4-week exhibition at @Fotografiska.NY
The LWFP x VII Mentor Program will grant a total of three mentorships which include monthly one-on-one Coaching sessions by a @VIIPhoto photographer, exposure on VII’s website, representation of Mentees by VII Agency, and a 12-month loan of a Leica Q2 camera. Candidates for this exclusive Mentorship Program must demonstrate a commitment to the profession of photography, have worked in the photo industry for four or more years, have worked on assignment, and has a published body of work. Candidates will be selected by members of VII Agency on the basis of quality of work, commitment to project, and vision of future success.
Call for entries will conclude October 8, 2021. Link in bio to apply.
Tag someone who you believe should apply.
#LeicaCameraUSA #LeicaWomenFotoProject #LWFP
cash point 在 陳宇豐XEnic Youtube 的最佳解答
歡迎訂閱:
益級娛樂/陳宇豐XEnic 專屬音樂頻道
https://reurl.cc/j8kMx1
https://reurl.cc/Dgdnam
XEnic Instagram 快速連結
https://pse.is/3jcg4d
Mr. Bentley
作詞:Zhen Ding
作曲:Zhen Ding
原唱:KnowKnow
翻唱:XEnic
Baby CEO get more money
Enjoy da big money, 訂台 Mr. Bentley
三百多萬大人的玩具 you can't believe
聲控點火 德芙巧克力般絲滑
牛皮環繞我的後背 無法自拔
Vroom Mr. Bentley vroom
連個藍牙系統 I'm與眾不同
Vroom 因為他們不懂
我們都愛花錢 但不收藏古董
西裝豹圖走個路都帶個風
幻想變成我 你做白日夢
私人車位 獨享尊貴 Flexing
賺的錢 剛好夠花 很開心
Drip 這麽年輕 那麽rich
我talking business 你在talking that sh*t
Mr. Enjoy Da Money richer than Rich the Kid
賓利 point on point better than AMG
Racks on racks I don't drive Maybach
我從V6 V8一直開到V12
根本數不完多少CASH在口袋
我比Rich Forever 先發布NO CAP
Enjoy da big money 訂台Mr.Bentley
三百多萬大人的玩具 you can't believe
聲控點火 德芙巧克力般絲滑
牛皮環繞我的後背 無法自拔
Vroom Mr. Bentley vroom
連個藍牙系統 I'm與眾不同
Vroom 因為他們不懂
我們都愛花錢 但不收藏古董
你的鑰匙按起來會 joo joo
我的鑰匙按起來會 beep
座墊可以按摩我 好舒服
只要寂寞追不上我 林北never孤獨
八口天才 帶我去看展覽
上海時裝show 走台的燃燃
蘭博基尼的尾巴 好像台低音炮
超了她 我露出百萬級別的微笑
Enjoy da big money, 訂台Mr.Bentley
三百多萬大人的玩具 you can't believe
聲控點火 德芙巧克力般絲滑
牛皮環繞我的後背 無法自拔
Vroom vroom Mr. Bentley vroom
連個藍牙系統 I'm與眾不同
Vroom 因為他們不懂
我們都愛花錢 但不收藏古董
Program:Logic、Premiere
Equipment:Focusrite Scarlett、SM7B、Mac Pro
cash point 在 Daphne Iking Youtube 的最佳解答
GAIZZZZ SOB! Macam MCO 3.0 nak kejadian ni!!!
With kes COVID-19 on a rise, the prospect of making the ????? ??????? journey to celebrate the coming Hari Raya with loved ones seem so GRIM. So again, it’s going to be a cosy but SAFE celebration here at the #IkingAzmi abode. But unlike last year, where I was in my confinement and we ordered our Raya meals - I’m starting my own family tradition by cooking the WHOLE Raya “feast” with the kids! This is a HUGE for Noob Cook like @gramforthecook hokays?!
I prefer to shop for my groceries online - partially cause I want to delegate chores like shopping for more productive stuff. Also, I’m trying to stay safe at home. Just don’t want to take the risk of going out unnecessarily.
Bonus point? When paying with my @myboostapp, I get Boost coins, cash back and promo deals - depending on the merchants I purchase from.
Today, I shared my ????? ????? in prepping for the upcoming Raya in my LIVESTREAM which includes:
1. Buying groceries online (sooo many merchants are with Boost’s ecosystem like @shiffa_enterprise , @fishforitmy , @wadoodmart , @happyfresh_my and so much more!)
2. Use ready-to-eat meals like Ketupat (Brand Nona is sold in most grocers. They seem ok), powder / pastes
3. If you’re baking game is not so Onz, orders cakes and biscuits from local bakers #SapotLokal
4. Get a THERMOMIX! I tell you... it will save you so much time and hassle. I will teach you how to make Raya cuisine and more with the press press of the button! (Saja plug in DM tepi ye? ?)
With the Boost app, you can also pay your ?-????? and share your ?-???? ???? safely (follow them to get updates when it’s launched)
Here’s a recap of our grocers Boost Promos:
@shiffa_enterprise Pakej Ramadan RM60 instead of RM73!
@fishforitmy RM10 OFF for every RM130 spent (promo code: CELEBRATEFFI)
Check out @wadoodmart Hari Raya Bundles. They do same day delivery too!
Thanks Boost Team for initiating this platform and thank you to all my wonderful guests! Congratulations to all winners of the 1000 Boost coins and RM50 cash in your e-wallet. I ? you guys!
10 more days till Aidilfitri ? Wheeeee!
Thanks for watching and please do not forget to subscribe!
Also follow me on my other social media channels:
Instagram
https://www.instagram.com/daphneiking/
Facebook
https://www.facebook.com/daphneiking/
Twitter
https://twitter.com/DaphCLPT
If you also need my profile and showreel, please visit:
joelebosi.wix.com/bedifulstory
cash point 在 TMons Youtube 的最讚貼文
Nghe bài nhạc góc: https://www.youtube.com/watch?v=YQxNIBaNX_o
Remix của TMons
https://www.facebook.com/MonsMusic7423
https://soundcloud.com/tam524
https://www.youtube.com/channel/UCbhruGwmx709dvzX0xv5sYQ
Nhạc và lời của Finnatick
https://twitter.com/finnatick
https://www.instagram.com/iamfinnatick
https://www.facebook.com/finnatick
https://soundcloud.com/finnatick
Lời:
Without your warm embrace
No kiss for the holidays
The nip slowly cracks my face
The cold air rushing in with haste
The fireplace just does not
Warm up my heart
I have to pony up for
The only thing that will do
Sometimes to fight the cold you put the heat in use
It feels so good until your bills are through the roof
I am fresh out of cash
Why is this such a trick task
At this point there’s no going back
Might as well push it to the cap
The fireplace just does not
Warm up my heart
I have to pony up for
The only thing that will do
Sometimes to fight the cold you put the heat in use
It feels so good until your bills are through the roof
Sometimes to fight the cold you put the heat in use
It feels so good until your bills are through the roof
I’m sure we’re all the same during the winter snap
How am I supposed to warm myself, my wallet’s all tapped
Mail của TMons: mons9854@gmail.com
Acapellas các bài nhạc của TMons: https://app.box.com/s/sklc9i28vj8p3gw3debjjtjji8xg75h5
Nhạc không lời các bài nhạc của TMons: https://app.box.com/s/itjebwys5ql624n6b9sf4ud8sdxyythl
Và đừng quên theo dõi kênh YouTube của mình qua đường link: http://bit.ly/2h8wION
---------------------
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© Copyright by TMons Channel ☞ Do not Reup
cash point 在 Cash Point - Falmouth - Facebook 的美食出口停車場
Great selection of Musical instruments, Electronics, Jewelry and other stuff! Cash Point Store, 348 East Falmouth Highway, 02536 Monday-Saturday 10-6PM! May be ... ... <看更多>