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

[$10 credit for your kid!]

Now the kids can get started on smart money management from young, with the Canvas Prepaid Visa Debit Card! I think the past year had somewhat accelerated cashless payments - whether it's online or physical purchases, there's no need to fumble for change, or a mad dash to the ATM. All we just need is a debit or credit card.

With the Canvas Prepaid Visa Debit Card, the monkies can manage their pocket money, allowances and daily expenses. And because it's a prepaid debit card, there is no risk of overspend, and can be used online or tap and go in store with Visa PayWave. Which was what the monkies tried out over a weekend! They tried buying food, groceries, gifts and took the public transport with the card. Ash even bought some gaming items on the PS4 while Ale went shopping for toys!

Best of all, I was able to monitor all of their spending via the Canvas app on my phone, in addition to topping up, locking or even cancelling their cards. Super convenient! Your kids and helpers can try out Canvas for FREE for 30 days* too... and receive $10 credit on your child's card too! Simply sign up via my exclusive link at https://info.yourcanvas.co/cheekiemonkies-canvas-sign-up-page and receive your $10 credit upon card activation. Psst, it's $10 per card per child. So if you have three kids like me, you can sign up for 3 cards to receive $10 for EACH card! 😁

*30 day free trial and a S$2.99 monthly fee per card applies after that.

🌻美國生活
打了疫苗後, 在上週進城了一趟.
許久未出門的感覺很奇妙. 進了城, 也感到大家的生活還是如往常一般, 只是餐廳沒甚麼人(都用電話下單, 或是當場點了東西後就走), 許多人(並不是全部)的臉上也多了個口罩. 旅館的人倒是不多. 但商家停車場的車子應該如往常一樣, 沒有減少.

每次進城, 也一定會到Chipotle打牙祭. 這次試了他們新的飯(參雜了cauliflower花椰菜), 酸酸滋味, 配上原來burrito裡面就有的料, 真的是開胃又好吃, 一口接一口.

最近吃了三家不同的burrito, 還是覺得Chipotle的最好吃. 我想原因之一(不知道我的觀察有沒有誤), 可能是他們把不同口感的配料加在一起時, 有多家一道手續, 讓新鮮脆口的生菜, 烤熟的肉類, sour cream與其他配料均勻地被融合起來, 也讓滋味豐富了起來. 不像其他家的burrito, 一口咬下去, 就是飯, 或是豆類, 分得很清楚, 而沒有不同食材所帶來的多層次的口感.

Anyway. 附上這次進城照的幾張照片在下方.

🌻My happiness project: 年報財報導讀

股市對我來說像戰場; 年報財報就像是兵書. 而一家家公司的年報財報, 對我來說, 就像是故事書一樣, 述說著公司的成長營運軌跡. 做了這些功課後, 持股也會有信心. "Buy and do homework," 是我認為投資該有的態度.

下半年時間比較多, 所以想抽一點時間出來, 跟對看年報財報有興趣的投資人一起來讀資料, 順便藉此分享我是如何抓重點&透過年報財報來做思考的. 也想要藉此來宣揚看年報財報的好處&消除投資人對英文年報財報可能會有的恐懼感. Anyway. 這只是初步的想法. 若要實行也會是九月的事情了.

不過先錄了一段影片, 解釋我是怎麼做財報內容&電話會議內容整理的: https://youtu.be/vvkrs6CiWdw

🌻本周做的功課與閱讀
https://makingsenseofusastocks.blogspot.com/2021/05/blog-post_19.html

這次的閱讀中, 跟成長股比較有關的是這段. 目前成長股也被重新定價中, 所以建議成長股投資人在挑股的時候, 盡量找有現金流, 還有獲利的公司.

"That’s true even for the highflying growth stocks that have been getting hit so hard recently—as long as they have earnings. Adam Parker, founder of Trivariate Research, notes that following large growth selloffs, S&P 500 growth stocks with both free cash flow and expanding margins tend to outperform in the months ahead. That means favoring stocks like ServiceNow (ticker: NOW) and Advanced Micro Devices (AMD) over shares of Chegg (CHGG) and Twitter (TWTR). “Buy some growth stocks on the selloff, but they have to have positive free cash flow and margin expansion,” Parker says."

🌻投資金句
"I learned that you may be right, but if enough people believe you're wrong the markets can really hurt you." --BlackRock bond chief Rick Rieder

🌻The Future of Work
看到BofA寫的這一段, 覺得挺感動的. 這也是投資的目的之一, 能夠藉著這個方式, 來接觸到世界的脈動.

The Future of Work
Thematic Research
BofA Global Research
bofa.com

May 12: The future of work is not zero-sum between humanity and technology. We believe humans can collaborate with and work alongside robots, rather than be displaced by them, and that technology can create more jobs than it destroys. By 2025 alone, the WEF [World Economic Forum] thinks automation will add 12 million net new jobs, with robots eliminating 85 million jobs but creating 97 million new ones. Other grounds for optimism include: (1) 65% of children starting school today will work in jobs that have not been invented yet; (2) “new” collar jobs will be generated from well-placed thematic sectors like healthcare, renewables, new mobility, or even moonshot technologies; and (3) we might actually be more productive and have more leisure time if robots can relieve us of more mundane, repetitive everyday tasks. We have identified $14 trillion in market cap of enablers for the future of work. Technology, industrials, and medtech are some key beneficiaries. We also see opportunities in education and the upskilling/retraining of workers by corporates. Conversely, commercial real estate/offices and legacy transport are some of the sectors facing headwinds...

So, what are the truly futuristic jobs that could be invented? Data-privacy managers, nanomedicine surgeons, lab-meat scientists, blockchain strategists, space-tourist guides, freelance biohackers, AI avatar designers, 3D food-printer chefs, leisure-time planners, ethical algorithm programmers, and brain simulation specialists, to name but a few.

🌻Dividend Growers’ Allure
這段從股息的角度, 來講解傳統價值股跟成長股的不同處.

Dividend Growers’ Allure
Insights & Commentaries
Washington Crossing Advisors
washingtoncrossingadvisors.com

May 10: Buy quality stocks that increase dividends regularly. This simple strategy takes a long-term view of investing and focuses on the dividend, not the stock price. Passive income generated from dividend growth has two main benefits. First, it focuses your investment strategy on cash-generating, growing companies. Second, it tends to lead to quality businesses that are neither too young nor too old.

Why is this so? Almost by definition, a dividend-growing company tends to cover expenses with rising cash flow. And which companies do these tend to be? They tend to be profitable, established companies in the middle of their corporate life cycle. By contrast, young companies tend to be burning cash, constantly in need of capital, and face a higher risk of failure. Such young firms tend to not pay dividends at all as they are consumed with growth. On the other hand, older companies often funnel most or all cash to investors as dividends because viable investments can no longer be found. These firms are often in decline and offer little growth, often reflected in a high current yield.

Picture:
1. Chipotle內部. 可以看到有個取餐的架子. 餐廳人員也不時在電腦螢幕前, 看進來的訂單, 備菜.
2. 旅館外一區. 面向密西根湖.
3. CSX, Union Pacific的火車廂(這兩家都有上市)

Terima kasih!
谢谢!
நன்றி!

A big thank you to all our workers for your contributions to Singapore, especially during COVID-19.

2020 has been a year like no other. Many workers have had their wages and livelihoods affected by the pandemic, particularly those in hard-hit sectors. Frontline and essential workers have made many sacrifices, to keep their families and all of us safe.

We do not know when this pandemic will end, but there’s light at the end of the tunnel. We’re closer to getting a vaccine, and starting to reopen our borders. In the meantime, stay safe and stay strong.

During this pandemic, labour MPs have been working overtime helping union workers, while the Air Transport Executive Staff Union has been working with SIA and other airlines to assist ground staff and protect their interests. Therefore, I nominate NTUC Assistant Secretary-General Patrick Tay 郑德源 and President of the AESU Daniel Loh to show your appreciation next! – LHL

#toast2U #toast2Uchallenge⁠⁠

-------------------------------------------------
For every #toast2U hashtag, NTUC Income will pledge $2 to the NTUC U Care Fund, which helps low-income members and their families through various assistance programmes to defray their cost of living and children’s school expenses, as well as members whose livelihood had been affected by Covid-19.
When nominated:
1. All you need to do is record yourself “receiving” the drink from the person who nominated you and give a toast accompanied by a note of appreciation in the post.
2. “Pass” the drink on by nominating two others.
3. Tag U Heart for us to keep track of the donations, and remember to make your post public!
This U Heart initiative is by nEbO and Young NTUC, supported by NTUC Income.

Introduction of Railway Hua Lamphong Station / Bangkok.
The Thailand railway has routes heading north, south, east, mainly in Bangkok.
The base of Bangkok will be this Phalampong Station.
The train station Phalampong station and the Hua Lamphong subway station are connected.
I recommend you to use the subway to go to the train station Hua Lamphong station.

The railway departing from evening to night is popular.
Many flights arrive in the morning after departing at night, and you can use accommodation expenses and time effectively.

How to spend RM 1300 6D5N in RAILAY ?

❤?Girls getaway 6 days 5 nights Railay itinerary

?Accommodation
?Check in RAilay Great View Hotel RM382
?Check in Anyavee RAILAY ResorrRM299

?Transport
✈️Arrived Krabi international at 1.55pm due to miss our airflight
?Mini van to ao nam mao pier 150 baht
?Long tail boat 100 baht

Tour
?Tour 7 island (Phra Nang Cave, Koh Tan Ming，Chicken Island，Tup Island, Poda Island, Plankton *glowing in the dark)
800 baht
*Personally, I think it is MUST TO DO in Railay where seeing the glowing bioluminescent plankton right in front of you. Definitely you do not want to miss it!
⭕️tips and tricks
1. Choose the RIGHT travel agency as different agency provide different package and price.
2. 800 baht is the reasonable price where I found in Railay instead of 1300 baht

?Place to go
We do not plan many activities as most of the time is chilling at the beach and resort. Plus, I suffered from food poisoning two days.

?HIDDEN GEM in Railay
?Railay Lagoon
Trust me, it is definitely with a gorgeous payoff once you arrive there.
All of sudden raining heavily ☔️ while we hiked, it is extremely muddy and steep. Luckily we get through of it.
❌Don't try it when you are not ready! Every step is challenging but valuable hiking experience.
?Railay Viewpoint
The
The place that I highly recommend where you able to embrace spectacular view at Railay East and West. It is challenging and I do not advise people who suffer from acrophobia.
⭕️tips and tricks
Wear pair of good grip of shoes and glove! However, the climb look seriously terrifying.
?The last bar
All drink cost 130 baht at happy hour
You might get a cocktail SEX ON THE BEACH ?while chilling at the beach. , Live band Fireshow and Muay Thai everyday.


?SIM CARD
dtac sim card 199 baht

✏️Total
RM1000 = 7800 baht
1. Flight (AIRASIA) RM220 two ways return
2. Accommodation (RAILAY GREAT VIEW HOTEL + ANYAVEE RAILAY RESORT) RM671
3. Expenses (FOOD,BEVERAGES AND SOUVENIR) 3085 baht
4. Thai massage 1 hour 250 baht

?Social media
Instagram: @vannyhuiyee
Youtube: Vanny HuiYee
Blog: http://vannyhuiyee.blogspot.com/

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Here's how I'm able to afford to travel to make YouTube videos
Traveling isn't always cheap, but it isn't also crazy expensive. If you have a small budget, then it's possible to travel further if you can stretch your money further. Here's how I am able to travel in order to make these videos.

1. Be flexible with flight dates. Flights can increase by a lot sometimes on the very next day. Using sites like Google Flights to see the best deals. Double checking with airlines. Fly with budget airlines. Accept that cheap flights might have long lay overs.
2. Try not to check in bags. Budget airlines charge ridiculous amounts for checked bags. So therefore, you must wear the same clothes over and over again like me.
3. Wash your own clothes and use heaters and or AC vents to dry them.
4. Travel with others to split the costs of transport.
5. Eat basic food most of the time so you can save money for dishes/meals for video purposes. In Europe, pizzas, kebabs, vending machines are cheap and delicious.
6. Use public transport as often as you can (some cities are better connected than others) and only use taxis when you absolutely have to or use Uber instead.
7. Sleep at airports to save money. (Plan showers ahead of time / it's okay to be a little bit dirty) Some airports might even have showers that you can use. http://www.sleepinginairports.net/
8. Don't be too stingy when it comes to the budget though because then you won't really get to enjoy yourself. Reward yourself with a good meal or a drink from time to time.
9. I also use my savings, YouTube earnings, and Patreon to reinvest back into my channel in order to keep traveling to make videos.
10. Allocate money for other things with higher priority depending on the situation: For instance, on some nights, a hotel with a table and desk is required for editing. On other nights, a simple windowless room is all that's required.
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About Me: I'm Kyle Le and I used to live, travel, and eat in Vietnam and many Asian countries. I'm passionate about making videos and sharing modern Asia to the world. I've traveled everywhere in Vietnam, from Hanoi to Saigon - Far North, Central Highlands, Islands, and Deep Mekong Delta - I've visited there. In addition to 15+ countries from Indonesia to Thailand to Singapore, you'll find all of my food, tourist attractions, and daily life experiences discovering my roots in the motherland on this amazing journey right on this channel. So be sure to subscribe- there's new videos all the time and connect with me on social media below so you don't miss any adventures.
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Original Music by Antti Luode.
Filmed with a Panasonic G7 14-140mm. 15mm
Audio from a Shure VP38F