關於 winner has it all ，我們在網路上蒐集到這些相關的討論、資訊與評價

*Congratulations to Selena Lim for winning and thanks to everyone who joined the giveaway! More goodies to share soon so stay tuned!*

{Giveaway} Calling all chocolate 🍫 lovers, you are gonna love this too!

While exam revision is important, it is also equally important to relax, eat and be happy! The big girl loves chocolate so I surprised her with this signature Chocolate Mousse Dome from 1more.bite and we were blown away by how delicious it tasted.

Made of 55% Belgium dark chocolate mousse coated with a chocolate mirror glaze and sprinkled with gold flakes, this was the perfect choice for our tea break. The mousse is rich, moist and chocolatey with just the right amount of sweetness. While the filling contains raspberry, the bottom chocolate sponge has chocolate nibs which make every bite of the dome not just tasty but interesting too.

Her reaction was "Yummy, 很好吃!" as her eyes lit up and she took bite after bite. Yup, we definitely love this and give it a thumbs up! Hopefully she has more motivation to carry on studying for her PSLE after the yummy treat, woohoo!

Good news, I am now giving away 2 sets of this Chocolate Mousse Dome! To join,

🍫 Follow A Happy Mum and 1more.bite.

🍫 Like and share this post.

🍫 Comment on why you would like to win and tag at least 3 friends, 1 in each comment. Each counts as an entry.

This giveaway ends on 26 Sep 2359hrs. Note that winners have to self-collect their prizes from the east. One winner will be chosen from FB and the other from IG. This giveaway is not endorsed by or affiliated with FB or IG. Good luck!

#ahappymum #chocolatelovers #chocolatemousse #soyummy #cakelovers #review #yummy #teatime #takeabreak #chocolatemakeseverythingbetter

🏮<𝗚𝗜𝗩𝗘𝗔𝗪𝗔𝗬>🏮

Combining two of our local favourites for a unique Mid-Autumn 👉🏻👉🏻MARBLE LAPIS & SNOWSKIN!

🥮 these mooncake has set a new taste favourites for us! And we loved how good this marriage of savoury delights are!

👉🏻 Each Marble Lapis Snowskin Mooncakes holds within it a ring of kueh lapis and a luscious core of custard or ganache! The core is speckled with bits of fruit or nuts, giving the look of marble 😍

👉🏻 It really looked as good as it taste, we love the unique Combi with the great flavours! Can’t decide which is our favourite, because even the traditional bamboo charcoal skin mooncakes had our hearts!! So good okay!!

👉🏻 All @chillipadisg mooncakes comes with limited edition 4 or 2-Tier Tingkat, with 6 different sets to chose from, including set F a 2-tier set in which you can chose to “Build Your Own Set” 🙌🏻🙌🏻🙌🏻

4 Snowskin flavours we tried:
🥮Lychee Kisses (Lychee)
🥮Cranberry Dreams (Cranberry)
🥮Autumn Blues (Blueberry)
🥮Hazelnut Nights (Hazelnut)

Traditional we tried also:
🥮 Bamboo Charcoal Double Yolk Pandan Jade with Gold Dust 🥮Double York Pandan Jade

For extended and More Discount use my code for 20% off instead of their current promos! No expiry!!

🎁 𝐆𝐎𝐎𝐃 𝐍𝐄𝐖𝐒 🎁

Together with ChilliPadiSg, THREE (3) lucky winner will receive a 2-tier Tiffany Blue set with Signature Lychee Kiss Mooncake! Here’s how TO WIN this:

➕ 𝙁𝙤𝙡𝙡𝙤𝙬 @chillipadisg (IG/FB)

➕ 𝙁𝙤𝙡𝙡𝙤𝙬 @familystaysg

➕ 𝙏𝙖𝙜 as many friends as you can, per tag per comment!

➕ 𝙍𝙚𝙨𝙝𝙖𝙧𝙚 this post onto your IGS, please tag us both so we can see! 🪄

The Giveaway ends on 17 Sept 2021, only limit to Singapore residents. Winner will be announced on my IG, so 𝙎𝙖𝙫𝙚 this post to stay tune!

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#familystaysg #sgreviews #sgcontests #sggiveaway
#ChilliPadiGoodies #ChilliPadiSG
#sgmooncakes #mooncakeSG #mooncakesSG #MidAutumn2021 #MidAutumnFestival2021 #mooncakes #中秋节 #中秋節 #月饼礼盒 #sgfoodtrend #sgfoodie #sgfooddiary #foodpornsg

🌻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

For this video, we headed down to Kwee Zeen at Sofitel Sentosa to DESTROY a Massive Royal Indian Food Platter! Kwee Zeen offers a host of Pan-Asian cuisine with a touch of Western and an emphasis on French-style hospitality and décor. Kwee Zeen has a Taste of Singapore promotion where they take you through different types of cuisine depending on the day of the week. On Saturday nights, they offer a special Indian platter called the Royal Maharaja Feast that comfortably feeds 4. There is a GIVEAWAY, details below.

Served on a ginormous banana leaf, the staff plated a ridiculous variety of different Northern Indian food, including naans, tandoori meats, salads and gulab jamun. The presentation from the chef was something to behold. The selection of dishes was also exceptional, very well balanced in terms of meat to carbs to vegetables.

The standout foods would be the tandoori lamb chops, which was well-seasoned and tender, the cauliflower, which was slightly charred on the outside while moist inside after being roasted whole and the pomegranate and potato salad, which was cooling and refreshing, working well to counteract any residual heat. The chutneys served were also a step above most chutneys I have tried. On top of that, I really enjoyed the 2 desserts served, especially the carrot halwa which was unique to me and not overpoweringly sweet.

Due to the balance of food and the overall deliciousness, this almost did not feel like a challenge. I felt pretty decent afterwards which is particular rare to occur. True to its name, you and your family can eat like Kings if you order this platter at Kwee Zeen. It would be well worth your money at $192++ for 4. Do check out Kwee Zeen for this magical feast!

GIVEAWAY
We are giving away a 2D1N staycation at Sofitel Sentosa! To apply, comment on my IG post for this video, tagging who you would like to bring on this staycation. I will be picking one lucky winner.

Visit Kwee Zeen at:
Sofitel Singapore Sentosa Resort & Spa
2 Bukit Manis Rd
099891

Connect with us!
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Use code ZERMATT for 58% off ALL Myprotein products.

For those that are interested in doing ZenyumClear™️ Aligners:
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Use code ZERMATT100 for special discount!

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撳我呢條Link下載Landlord Go即時送你100萬金幣！
仲可以享有一折課金買coin pack嘅優惠！
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?被動收入?累積財富??英國買樓退休?錢搵錢 話咁易❓
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?保命必睇⚠️政府公然搶錢?銀紙快速貶值50%?
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?住英國?香港經典食物日日有?腸粉?魚旦?臘腸 中超重有乜嘢？
https://youtu.be/Ft4a2xTu-_s
?科興疫苗?你懂的?2021年必賺?復甦股?你一定要知道！ biontech 掂曬
https://youtu.be/Hs_H5zJg4qs


Detail of the competition for the audience：
The Competition is organized by the Reality Games, run by Reality Games (London) Ltd, located at Office 212, 15 Ingestre Place, Soho, London W1F 0JH, Great Britain, tax ID: GB199678519, company number: 08983817. („Organizer").
The Organizer declares that the Competition is in no way sponsored, endorsed, managed, or associated with the entities managing or owning the Youtube.com social network through which the Competition can participate. These entities do not bear the news in time to listen to the Competition on the claims of course participants for the position of the regulations.
Employees of the Organizer and other entities directly involved in the preparation and conduct of the Competition at the request of the Organizer, as well as members of the immediate families of these persons, cannot participate in the Competition. By members of the immediate family, it is understood: ascendants, descendants, siblings, spouses, siblings, parents, relatives, and relatives of the second degree as well as persons in the relationship of adoption.
A person who entered the Competition in accordance with the provisions of these Regulations becomes a participant of the Competition (hereinafter: Participant).
The competition runs from 21st of March 2021 to 4th of March 2021 until 23:59. The competition will be adjudicated on 5th April 2021.

By entering the competition, you accept these Regulations.
1. The goal is to achieve the highest empire value possible in two weeks' time.
2. Every player must write a phrase “teamcoco” in their in-game name.
Ex. playername_teamcoco
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4. The minimum empire value is 10M. Below this level players won’t be taken into consideration.
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6. Day after the competition ends is on the 5th of March 2021, we will select the winner with the highest empire value and check whether she/he has met the necessary condition, which is to obtain a minimum 10M empire value.
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11. Influencer will announce the results of the competition on the 5th of April on his Instagram.
11. The Organizer is not responsible for the inability to transfer the prize for reasons attributable to the Participant, and in particular in the case of: failure to provide address data, providing incorrect, outdated, or incomplete address data.
12. The reward for the winner will be getting USD100 cash.
13. The reward for second place will be getting a package of 6500 coins in Landlord GO which is worth 50 $ in real life.
14. All complaints regarding the manner of conducting the Competition should be submitted by the Participants to the Organizer in writing.
A written complaint should include the name and full address of the Participant, as well as a detailed description and the reason for the complaint. Complaints will be considered immediately, but not later than within 14 days from the date of their receipt by the Organiser.

In this video, we whipped up the Ultimate Singaporean Breakfast in Neo’s Kitchen. Since so many of you have requested an Economic Bee Hoon video, I decided to make it a challenge but with a twist. A traditional plate would consist of Bee Hoon/Egg Noodles with a bunch of sides like luncheon meat, eggs and stir-fried vegetables, with a healthy dollop of sambal. However, I came across OmniMeat, a plant-based alternative to your common meats, that offered OmniMeat Luncheon, an imitation luncheon meat. They also offered OmniMeat Strip, which is their equivalent to the sliced cuts of meat commonly used in stir-fries. There is a lucky draw for FairPrice gift vouchers, details are below!

For my challenge, I piled on at least 4 portions each of Bee Hoon and Fried Egg Noodles, together with 9 eggs and 3 packets worth of OmniMeat Luncheon onto my giant plate. My mum helped to cook the egg noodles and also stir-fried the OmniMeat Strip with some vegetables, which I added onto the platter. To round it off, I added a healthy serving of sambal.

The luncheon meat had an almost identical texture and colour to real luncheon meat and it would be difficult to tell the difference at a glance. Flavour-wise, it did taste different but not in a bad way. Luncheon meat normally tastes very salty and processed while OmniMeat Luncheon tasted “cleaner” and felt more like it was comprised of actual ground meat. The OmniMeat strips were pleasant and chewy but it was apparent that it was not meat in the flavour. However, it was far superior to most mock meats I have tried with a palatable taste and rich smoky flavour.

This was a straightforward challenge featuring one of Singapore’s most popular breakfast dishes, Economic Bee Hoon. Jazzed up with plant-based meat, an ever-growing trend that is supposed to be better for the environment, this challenge was healthier than most. OmniMeat Luncheon is certainly far healthier than any canned luncheon meat and would be a great addition to your kitchen. Do note that it requires cooking. If you are hosting for Chinese New Year, OmniMeat would be a great option to have in your spread, especially for vegetarian friends and family. OmniMeat also has a range of other Asian-inspired plant-based alternatives that would not be out of place at a Chinese New Year party. OmniMeat can be found at FairPrice and high-end grocery chains island-wide.

Lucky Draw
- Stand a chance to win $888 FP Gift Card, per winner!
- Spend a minimum of $30 in a single receipt
- 50 winners weekly
- total of 400 winners
- chances will be snowballed
- Date: 31 Dec to 28 Feb www.fairprice.com.sg/cny

Connect with us!
Facebook - https://www.facebook.com/zermattneofls
Instagram - http://instagram.com/zermattneo
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Use code ZERMATT for 58% off ALL Myprotein products.

For those that are interested in doing ZenyumClear™️ Aligners:
https://bit.ly/zermattneo-yt
Use code ZERMATT100 for special discount!

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5 Purvis Street, #01-03, Singapore
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