關於 could you pay me in advance ，我們在網路上蒐集到這些相關的討論、資訊與評價

今天, 應該是最炫最酷的一家公司, Robinhood, 上市的一天. 它獲利了嗎? 我想沒有多少投資人會care. 最關心的, 應該是它的營收成長率, 還有股價.

在我們一直追逐科技成長股, 被他們的高營收成長率, 潛在的高報酬昏眩的時候, 會不會忘記他們醜得要命的財務報表?

而在今年, 大家追逐的這些趨勢股表現不佳的時候, 是不是也給了我們一些省思?

其實美股中, 還有很多財務報表漂亮, 但聽起來一點也不有趣(甚至很無聊)的公司, 但他們股價穩定, 長期下來, 也給了投資人很大的回報. 像之前介紹過的POOL, 過去幾年也是平均一年翻一倍的漲幅.

而在IPO中, 也有這類的好公司.

Carrier Global(CARR), 2020年4月上市的IPO, 算是工業類股, 漲了快5倍. 有在獲利. (開利冷氣應該有聽過?就是這家公司)

Academy Sports and Outdoors (ASO), 民生消費股, 也有獲利, 2020年10月上市的IPO, 目前也漲了3倍.

下面這篇文章挺好. 與大家分享. 就像文章作者所提的, 龜兔賽跑, 穩(漲)的烏龜, 不一定會輸.

也祝福大家找到&培養自己的能力圈, 穩穩獲利.

Jim Cramer: The Biggest Thing That Happened Thursday Was the Boring Stuff

No, it wasn't Robinhood or the mega-cap tech companies, it was names we depend on like Carrier Global.
By JIM CRAMER Jul 29, 2021 | 03:38 PM EDT

Stocks quotes in this article: HOOD, FB, PYPL, CARR, RTX, NUE, AGCO, ZM, ALGN, AAPL, EBAY, AMD, XLNX

One of the most glorious things I have seen involving the stock market in ages happened today.

Was it Vlad Tenev ringing the opening bell for his breakthrough, disruptive Robinhood (HOOD) , representing 22 million mostly young new investors? Was it the free-for-all decline in the stock of the "F" in FAANG, Facebook (FB) ? Or the clobbering that Paypal (PYPL) took after what looked to be a good quarter?

Nah. I was bumping into Dave Gitlin, CEO of Carrier Global (CARR) , and his charming daughter, a college student at the University of Wisconsin. They were calmly waiting for me to finish "Squawk on the Street" to say, "Hi," and I couldn't be more thrilled. Because unlike the much ballyhooed Robinhood deal, which seems like a bust, Carrier Global came public back in April 2020 at $12 and today, after tremendous earnings, not sales, but earnings, it made an all-time high at $53, after reporting a terrific number with tremendous HVAC sales, up 31%, and an earnings surprise of 55 cents vs. the 30 cents that Wall Street was expecting.

Carrier, which was spun off when United Technologies merged with Raytheon (RTX) had some tailwinds, like the need to have clean air inside, because of the pandemic and clear air outside because office buildings are responsible for 40% of carbon emissions. But the huge upside surprise and the gigantic buyback belonged to Dave and his team and I that's what I told his daughter. I made sure she knew how proud she should be about how this man made so much money for people. Twelve to 53 in 15 months time is the name of the game.

Look, I am not trying to take away from anything that Robinhood and its co-founder and CEO Vlad Tenev have created. Far from it. They have created billions for themselves and are now letting people participate in their great sales growth. You got a chance to pay a fortune per share and many Robinhoodies did, as tons of stock was allocated to the 22 million people who joined Robinhood, because of a bang up app that every young person seems to know.

I am simply saying that HVAC, yep heating, ventilation and air conditioning is one of the most boring businesses on earth and at times like today, with all of the hoopla of Robinhood it is easy to forget is how lots of money can be made being boring, and I like that. The most exciting thing that happened this year is Carrier helped provide refrigeration for vaccines. That's just fine with me.

Unlike Robinhood, Carrier hasn't brought anyone into the stock market. It's more laser-like focus on air conditioning once spun off from Raytheon means nothing to people. Just Wall Street gibberish. But you have probably walked by a Carrier machine thousands of times and never thought anything of it. Yet, you could have bought it for a song at six times earnings instead of 25 times sales.

The Carriers, with CEOs who pay themselves lavishly but perhaps not excessively, or the Nucor's (NUE) the steel company that's also well managed and sells at six times earnings, represent valuable properties, especially when the U.S. government is about to agree on a trillion dollar infrastructure bill and the country has more than 6% GDP. We don't know why they are re-opening trades or closing trades, delta-variant trades or building and bridge investments. Forgive me, though for comparing the company of Robinhood, with something that may stay special for a while vs. companies that get described as venerable, solid and built to last.

These companies are not rarities. You know people have to eat, right? You know that there would be famine without farming. So why not buy the stock of Agco (AGCO) , No. 2 farm equipment, which went from $40 to $130 in a year and a half without ever being expensive. Combines too boring? Again fine with me. Now that the masks are off -- or at least in some places, although Zoom (ZM) is still crushing it -- I, like many others, including my daughter, didn't like how her teeth looked even as, to me, they were perfect. Dentists tell you to get Align (ALGN) . I wanted them on "Mad Money" but the show was just too darned jammed. The stock's up the most in the S&P 500, with a product that, again, like the Purloined Letter, is right in front of you.

I love tech. Created the term FANG, added the "A" when it was clear that Apple (AAPL) had to take the acronymic stage between another "A" and an "N." I am proud that those who bet against me on Twitter, the legion, are betting against FAANG. I wrote obituaries for a goodly time in my career as a reporter but I never wrote as many as have been penned to talk about the group has already made the ultimate measure on behalf of shareholders.

Oh and it's not like I don't like tech or fin tech. I felt the slings and arrows of Facebook and PayPal today. Facebook's management once again lowered the boom on its future talking about real deceleration in growth. I thought it was too dire. PayPal's Dan Schulman talked about how the separation with its former partner, eBay (EBAY) gets done now and earnings will be hurt. This was one of the least revelatory surprises ever. I think both are practicing UPOD, Underpromising to Overdeliver, and, sure this time might be different, but it's sure been the way they have handled it in the past.

Far better to be in the straight out blow outs like Advance Micro (AMD) which had still one more banner day, this time because the company it is buying, the dowdy Xilinx (XLNX) , a sleepy semiconductor company, had tremendous earnings. The two together could be unassailable and even as AMD is now richly valued it is deservingly so.

I can't wait to hear Vlad Tenev's reflection on Robinhood's debut as a public company and about the novel offering that gave millions of shares to his clients. Vlad's not so much a rags to riches American story. He's a poor Bulgarian to insanely rich American because of his on ingenuity. That's a story with celebrating in itself.

I am simply pointing out that unlike Vlad, whom you would have had invested with when you weren't allowed or able to, Dave Gitlin sure didn't keep you out of the better bet, the stock of HVAC king Carrier.

You did.

Be well-supplied during this financial drought:

““Arise, go to Zarephath, which belongs to Sidon, and stay there. Behold, I have commanded a widow there to sustain you.” So he arose and went to Zarephath; and when he came to the gate of the city, behold, a widow was there gathering sticks. He called to her, and said, “Please get me a little water in a jar, that I may drink.” As she was going to get it, he called to her, and said, “Please bring me a morsel of bread in your hand.” She said, “As Yahweh your God lives, I don’t have a cake, but a handful of meal in a jar, and a little oil in a jar. Behold, I am gathering two sticks, that I may go in and bake it for me and my son, that we may eat it, and die.” Elijah said to her, “Don’t be afraid. Go and do as you have said; but make me a little cake from it first, and bring it out to me, and afterward make some for you and for your son. For Yahweh, the God of Israel says, ‘The jar of meal will not run out, and the jar of oil will not fail, until the day that Yahweh sends rain on the earth.’” She went and did according to the saying of Elijah; and she, and he, and her house, ate many days. The jar of meal didn’t run out, and the jar of oil did not fail, according to Yahweh’s word, which he spoke by Elijah.” (1 Kings‬ ‭17:9-16‬ ‭WEB)

Jesus uses weak things to demonstrate His perfect power.

Of all people, Yahweh (the pre-incarnate Jesus) commanded a poor widow to feed the prophet.
She already had no husband to take care of her and still had to feed a son.

Why would the Lord ask so much sacrifice from her?
He could have chosen a rich man to feed Elijah, but why didn’t He?

He was setting up an opportunity to bless the widow. If she responded in faith, she would receive a miracle.

Remember that it was a time of drought and famine in the land.
The worldly, logical thing to do would be to keep her last morsel of food for her son and herself.
After all, she didn’t know the prophet personally. Why should she feed him?

Yet the widow responded to Yahweh’s command with faith. Even though she expected to die for her choice, she still did it.

That faith allowed her to receive a miraculous multiplication of her food. That little morsel of meal and oil did not run out until the day that the drought ended.

If she had selfishly kept the food and chose to fend for herself, she would prolong her life for a few days, but still end up dying.

In this season of financial drought and famine upon the world, don’t stop your gestures of giving and kindness.

You may think that stopping your giving is the smart thing to do to ensure your survival, but that is only a temporary band-aid, which still leads to no breakthrough.

Money is a type of seed. If you sow no financial seeds, you have no basis to expect to receive any harvests

“Remember this: he who sows sparingly will also reap sparingly. He who sows bountifully will also reap bountifully.” (2 Corinthians‬ ‭9:6‬ ‭WEB‬‬)

Remember that the widow would have starved to death if she didn’t give the little she had by faith.

In this season, look out for whoever the Holy Spirit leads you to be a blessing to. If He prompts you to be generous to a fellow Christian brother or sister, don’t harden your heart just because it’s a scary time of uncertainty.

Recognize that Jesus is setting you up to receive a financial blessing. Whenever you give by faith as instructed by Him, even if it doesn’t seem smart to do so, He will multiply a huge harvest of blessings back to you.
It will last you all the way till the end of the financial drought—you will be well provided for when you respond in faith.

Look at the proportion the widow received: she gave a little bit of meal and oil, but received a few years worth of food supply in return!

When you give to someone the Lord leads you to. He will pay you back much more. His grace will abound towards you so that you can be abundantly supplied for every good work!

Are you left with only a little bit of provision?
I’m sure Jesus is preparing opportunities for you to be a blessing to someone so that you can receive in abundance.

Be on the lookout with an open heart, and be excited to give cheerfully because it’s the godly way to receive multiplication of provision!

In case I’m the one the Lord leads you to be a blessing to, I will share how you can do so. Thanks in advance for we are in a similar situation as the widow 🙏

Feel led to send us a one-time love gift? You can do so here on our Ko-Fi page: http://ko-fi.com/Miltongohblog

Become a patron on Patreon to receive all my eBooks, two daily Bible teachings via our patron WhatsApp chat group and also by email: http://Patreon.com/miltongohblog

#Jesus #Faith

【玳瑚師父客人見證】《玄學。我的改變》
MY TRANSFORMATION WITH CHINESE METAPHYSICS
(English version below)

文 / 林恩宇 女士 Written by: Mdm Lim En Yu

常常會聽到有關風水玄學這東西，我對它們是一竅不通的，但心裡有半覺得這是種迷信的玩意，而且會覺得有必要相信一個你不認識的人，相信他們說你的命運會怎樣怎樣嗎？那可信度到底有多高？預先知道那麼多又應該怎樣呢？

一兩年前，自己遇到諸多不順心的事， 心情甚糟，迷失了自己，迷失了方向，生活過得一塌糊塗。偶然發現身邊的人蠻多都會做這類看家居風水、改名字、 看八字、流年運程的事情。心想生活既然糟透了，試一試也無妨。可我又很在意這準確性，真的不想隨便找個不知曉的師父。結果就在機緣巧合下，通過我姐的介紹，我有幸認識了玳瑚師父。

第一次正式接觸玄學是玳瑚師父爲我看八字的時候。我真的很震撼玳瑚師父能精准的說了無數有關我過去和現在生活的事情。比如說我會有婦女病，我有耳鳴，兩者都對了，因爲在遇見師父之前我做了身體檢查，發現子宮里有個瘤，然後耳朵也比較不靈敏。生活上僅僅的一些小習慣動態，比如我在Starbucks只會買綠茶，而不是咖啡，然後我偏愛吃辣和麵條，竟然也被發現了，當下給了師父一個掌聲鼓勵，瞬間覺得好厲害啊～！不論大小事情，說得簡直就像看透了你的人格，你的思緒，你的動向，讓你無所隱形，真的佩服師父的功力, 讓我深信玄學這奧妙的東西是真的。

另外師父也解說了，預先知道日後的事其實不必擔憂, 只要你跟隨命里的五行元素，用神，把它活化在生活當中，再正面迎對，它真的可以改變，你就可以少走許多冤枉路，從而光明在前，變得更好。於是我開始跟隨我的五行吃有利於自己的食物，穿屬於我的裝扮，瞭解自己好的一面，提點自己把壞的思緒，壞的個性改掉。生活經過師父的指引讓我突然驚醒，慢慢的走出了一個方向。

再來就是改名字。曾經有想過在我女兒出生時，找個師父爲她取個好名，可最終就只隨自己喜歡的字做爲女兒的名字，其實我心裡一直耿耿於懷。在遇到玳瑚師父爲我算八字的時候，師父也稍微從我和我女兒的名字中說出了一些準確的事，比如我的女兒在某歲之間會入院。事實是在師父說這的前幾個月她是真的生病入院了。

其實經過算八字，我對玳瑚師父在玄學這方面有精密深研的知識已是深信不疑的，所以很自然的讓玳瑚師父爲我母女取個符合我們八字的好名，然後跟著師父的指示換名，再把新名字運用在生活上。慢慢的從我女兒身上發現了很大的改變。像以前每次有人叫她時，她總不會回應, 我常會覺得那名字不符合她。新名字就真的點到她了，叫她時她就會回神看你，懂得回答，而且她還會把名字掛在嘴邊，朗朗上口，從不回應到開始說話唱歌都很多，會交流了。至於我自己，我隱隱約約覺得新名字正在糾正和改變著我的心情心態。心裡上有某種平靜的釋放，人變得比較放寬心，從而外在的整體氣色也變得比較有神。八字的運用和名字的改變，身邊的人感覺到我更有氣息，更有光澤和魅力了。

除了玄學風水，玳瑚師父也精通佛學。認識師父後多多少少也對佛學有了一點認識。很慶幸自己買到了師父出版的書 -《向善向上》，這是一本很值得擁有的書，讓我有機會接觸佛學的教誨。很感謝師父會經常在臉書發一些文章讓我們有機會閱讀，從而啓發提點自己必須多多益善。感謝師父的無私大愛，以佛法和玄學替人排解擔憂，讓我有幸成為收益者之一。也很感謝師父在我生活遇到忐忑不安的時候，願意接聽我的電話，給我一些指導。希望有緣人能向我一樣，遇見玳瑚師父。也希望和祝福師父能在佛學和玄學方面，更上一層樓，心想事成。阿彌陀佛。

[附上一张我与女儿的近照。女儿很喜欢写自己的名字呢。]

........................

I often hear of Feng Shui and Chinese Metaphysics, and due to my lack of knowledge in these subject matters, half of my heart dismisses it as superstition. Furthermore, I wonder if it is necessary to believe a complete stranger, who tells me how my fate will pan out. How much of it should we believe? What should we do even if we know so much in advance?

A couple of years ago, I encountered many obstacles in life and that seriously affected my emotions. I lost myself in the process and my life became a mess. It was by chance that I found out that many people around me had done home Feng Shui audits, change of their names, Bazi analysis, annual Luck Cycle analysis, etc. I thought since I had hit the lowest point in my life, there was no harm in giving it a try. But I was hesitant because I was particular about the accuracy of such readings, and did not want to look for any random practitioner unknown to me. A stroke of luck had me meeting Master Dai Hu through the recommendation of my sister.

My first actual experience with Chinese Metaphysics came in the Bazi Analysis session with Master Dai Hu. I was truly shocked that Master Dai Hu could accurately point out numerous details of my past and present. One of the 2 things pointed out correctly by him were the facts that I had women's health issues and also suffering from tinnitus. Prior to meeting Master Dai Hu, I went for a medical examination that revealed a tumour in my womb. And my hearing all along had not been well. Even my small living habits could not escape the eyes of Master Dai Hu. He pointed out that I only buy green tea and not coffe whenever I visit Starbucks, and that I have a penchant for spicy food and noodles. I couldn't help but gave him applause on the spot as a form of encouragement! He was incredible! Be it a small matter or a major issue, Master Dai Hu seemed to be able to see right through your character! My thoughts and plans have no place to hide in front of Master Dai Hu! I am in awe of Master Dai Hu's abilities, which led me to firmly believe that Chinese Metaphysics is indeed not a superstition.

Master Dai Hu also added, that there was no need to be worried about knowing the path ahead. As long as you follow the five elements and your favourable ones, and apply this knowledge in your daily life, you are well equipped to meet the challenges coming your way. He said my life will definitely change for the better, and I would not have to walk down so many wrong paths again, but only towards a brighter future. Therefore, I changed my daily living habits, employing my favourable elements in my diet, even my choice of dressing and make-up. I made an effort to understand my strengths and remind myself to eradicate the flaws in my thoughts and character. The patient guidance of Master Dai Hu was a sudden wake-up call for me, and with it, I gradually found a new direction in my life.

And then there is the name change. I had the thought to engage a Master to pen an auspicious name for my daughter when she was born, but I ended up giving her a name of my own whim and fancy. I felt uneasy because of that. When I met Master Dai Hu for my Bazi Analysis, he told me some brief info about my daughter based on her name. He was spot on. For example, he told me that my girl would be hospitalised before a certain age. Indeed a few months before Master Dai Hu's words, my daughter had already fell sick and warded in hospital.

After my Bazi analysis, I was already convinced by Master Dai Hu's deep and detailed knowledge in Chinese Metaphysics. Hence it was natural that I engaged him to pen a good Chinese name suitable for our Bazi, for both my daughter and myself. I followed his instructions to change my name and employed my new Chinese name in my daily life. The same goes for my girl, and not long after, I witnessed a major change in her. She used to be non-reactive whenever someone called her previous name, and I always felt that the old name was ill-suited. However, with the new name, she became responsive. She likes the name a lot and always say it out loud. She went from a non-responsive child to one that starts talking and singing more and becomes more sociable.

As for myself, I am beginning to feel the subtle influence of the new name on my emotions and mindset. I experience a release of tension and a sense of peace, and become more broad hearted. My overall appearance improved as well, looking much more spirited than before. With the new name and the newly gained knowledge of my own Bazi, the people around me noticed that I have became more lively, radiant and charming.

Feng Shui and Chinese Metaphysics aside, Master Dai Hu is also well-versed in the Dharma. Knowing him more or less gave me a bit of knowledge in Buddhism and its teachings. I thanked my lucky stars that I managed to buy his book Towards Betterment, Towards Kindness. This is a book worth buying as it gave me a chance to know the Dharma. I am thankful that Master Dai Hu often post articles on Facebook that inspire and remind me to do more good deeds, the more the merrier.

I am grateful for the selfless and encompassing love shown by Master Dai Hu, helping many people to resolve their woes, using Chinese Metaphysics and the Dharma. I am one of the fortunate ones. I am also thankful to Master Dai Hu, who answered my call and generously gave me advice over the phone when I was very uncertain in my life. I hope more people have the affinity to meet Master Dai Hu. I would like to wish Master Dai Hu good fortunes. May his spiritual cultivation and Metaphysics knowledge scale to the next level. May his wishes come true.

Amituofo.

(Enclosed is a recent picture of my daughter and I. She likes writing her own Chinese name a lot.)

**********

玳瑚師父春節開運系列活動（四）-
🎊🏮《元宵節風生水起茶會》🏮🎊
Lantern Festival Prosperity Tea Session

玳瑚師父即將在元宵佳節，繼續爲大家開示大環境和小環境整體的運勢。比如，哪個國家的經濟比較好，到哪一個國家旅行能採運，哪一個國家會發生災難，家庭裡的每一個成員，爸爸媽媽哥哥姐姐弟弟妹妹的狀況，甚至妳你自己的狀況，身體健康、事業、財富、投資、婚姻等等，會繼續在元宵節告訴有幸參與的人。

日期及時間：11 February 2017, Saturday, 8pm - 1030pm
地點：Mandarin Oriental Hotel, Marina Square

有意出席者，請發短訊聯絡吾的助理： +65 90212098，以便留位。為了表達個人誠意，玳瑚師父一概不接受透過別人代傳的簡訊報名。

簡訊中請附上：
1）個人中文姓名，
2）個人八字，

以便玳瑚師父能夠依照您的八字所需而指點您。

餐飲自費，除此以外，沒有額外收費。請趁早報名。一律歡迎有福有慧有心者！請記得攜帶紙和筆，及誠懇禮貌的學習態度。來拜年的報名者們，請記得帶一對年柑和紅包，向玳瑚師父拜年。

........................

When Spring comes around, on the Yuan Xiao Festival, Master Dai Hu would share his forecast on the micro and macro view of the world. This is his annual super bumper gift to his readers and fans.

Topics on the agenda include which countries will enjoy better prosperity, which countries are best for traveling, which countries are more prone natural disasters, the luck analysis of every family member, and even that of your own. You will get clarity on your own state of health, career, wealth, investment, relationship, etc, if you are among the fortunate participants.

Date & time: 11 February 2017, Saturday, 8pm - 1030pm
Venue: Mandarin Oriental Hotel, Marina Square

To reserve a slot, kindly send a text message personally to my assistant at +65 90212098. Requests sent on behalf of other people will not be accepted.

Information required:
1) Your Chinese name,
2) Your birth detail,
so that Master Dai Hu can advise you, based on your elemental needs.

I welcome people who are eager to learn and willing to put in the effort to turn life around for themselves and their loved ones. Do register early to avoid disappointment! Please remember to bring a pair of mandarin oranges and a red packet to pay your New Year call to Master Dai Hu.

Mattㄟ粉絲專頁 ►
https://goo.gl/e148I4
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背景音樂►
1. One Direction - What Makes You Beautiful (Official Video)

The mission was clear: Go to the NBA. Take over. Do so in a way that told the basketball world a new era had arrived.

If you were not a part of his inner circle, Allen Iverson didn't give a damn about you. The thing is, he was atypical in that he wanted you to know it, specifically because it was his way of saying he knew you would never give a damn about him anyway, no matter how much you smiled in his face.

His talent would make you care.

His performance would make you salivate.

His achievements would make you kneel.

All the way to the Hall of Fame, someday.

Iverson's story is not foreign, of course. It's similar to that of many players in today's NBA. Most are African-Americans. Most come from impoverished backgrounds. Almost all strive to elevate themselves to a level of greatness that has forced a global audience to pay attention, to emulate, then join.

Yet very few have ever impacted basketball like Iverson. No matter how hard they try.

"I always tell folks I played every game like it's my last," Iverson said earlier this week, in advance of his Hall of Fame induction on Friday. "And I meant that. But sometimes I don't think people realize what I mean when I say that. It's not just about playing so hard; it's why I played so hard. You know what I mean? It's what I wondered would happen to me if I didn't do it.

"You've got to know my history and how I truly feel to realize where I'm coming from."

But few will ever know. No matter how hard they try.

During to a career that would culminate with Iverson averaging 26.7 points per game, winning four scoring titles and one MVP -- at 6 feet, 165 pounds -- folks witnessed his heroics but barely knew the intimate challenges he faced.

Iverson knew being incarcerated, then granted clemency, wasn't a likable trait for Madison Avenue; that he wasn't the ideal spokesman for the NBA. Iverson knew a visibly polished Kobe Bryant was preferable to the tattoos, cornrows and street persona proudly worn on the sleeves, neck and elsewhere on this former All-American out of Georgetown.

But Iverson also knew everyone couldn't be Bryant or Michael Jordan. He knew that if MJ and Kobe -- and no one else -- were the standard, society wouldn't have a true depiction of NBA stars to come.

"I was 6 feet, so folks could relate to that," he once told me. "I was 165 pounds, so folks could relate to that. But I was also someone who wanted to be me, judged for what I do and who I am, instead of what you say I'm suppose to be. It's true that some [people] don't want to play the game, but a lot of dudes don't know how to. And even the ones that do, most ain't going to be accepted. So what about them?"

Even today that is still a legitimate question.

LeBron James has helped provide answers by showing you he can be a champion, pre-eminent role model and global icon, even if tattoos are draped all over his body. Steph Curry has proven as much, as well, by being a baby-faced, long-range assassin who, at 6-foot-3, looks like a regular dude instead of a Goliath of a man.

From Carmelo Anthony to Chris Paul to Dwyane Wade and beyond, players are speaking not just with their play on the court, but with their willingness to address issues off the court. And although Iverson is no innovator in that department, his willingness to express himself certainly made it easier for athletes to open up more in a day and age that's demanding it, not asking.