🌻
美國聯準會(Fed)在美東時間22日下午2時(台灣23日凌晨2時)宣布利率維持在趨近零的水準,但暗示升息可能會比預期來得快一些,同時也大幅下修今年的經濟展望。
https://udn.com/news/story/6811/5764746
🌻Adobe(ADBE)電話會議內容讀後感
ADBE前兩天發表財報了.
這次ADBE在財報後下跌, 主要是兩個原因(如下). 不過個人覺得是瑕不掩瑜:
1. 因為之前已經漲了不少(投資人期望太高)
2. 因為Digital Marketing這部分的業務受到季節性的影響, 所以表現不是很突出(沒有比預期高出很多)
a. net new Digital Media ARR (3% beat vs guide, vs 15% beat in 2Q21 vs 35% beat in 3Q20).
b. 有分析師在問(“Maybe just -- can we double-click on the seasonality commentary in the quarter? Because if we look at the beat versus guidance on net new digital media ARR, it looks, at the same time you had the weakest beat, but then the strongest guide in the last three years, which kind of speaks to and confirm some of those seasonality comments that you made.)
i. 高層對此的回答是, 主要是疫情後, 加上正值夏季, 大家的日子回復到正常&放假外出, 所以這部分的業務有受到影響(I think going into the quarter, we had expected that the consumer with a little bit more return to normalcy as what's happening in the environment.)
ii. 高層又說了一些話, 不過重點就是他不認為這是甚麼大事”So, net-net, I would say that the growth prospects for that particular business and the growth drivers remain intact. But again, very much in line. And this is what we feel good about the insights that we're getting on the business.”
iii. 也提到, Q4通常會是digital marketing業務的旺季(表現會不俗的意思)
另外, 覺得這次令我印象深刻的是, 當高層與分析師提到這些事情:
• 常在一些公司的電話會議中提到omnichannel這個字(疫情後, 更明顯了). 這次高層也有提到. ADBE可說是omnichannel概念股:
o “I mean, a big part of that is more and more companies are thirdly doing the multi-channel omnichannel, whatever they want to call it. And I think that's only going to continue to be a driver of our Digital Experience Solutions. Because today that stable stakes and so we just look at it and say whether you're shopping in-store over they are shopping online. You need a solution that treats you like a customer that we know of.”
• 網路上影片(video)的興起, 以及串流影音, 有提高了Adobe的營收天花板(用句分析師的術語, 就是TAM (total addressable market) expansion.
• 當使用者製作了越來越多的內容, 內容管理(content management)的能力就越顯重要, 內容上的流程管理(workflow)也越顯重要. Adobe的產品能夠幫內容製作者解決這樣的問題.
• 而Adobe各產品間的相容性, 標準化, 整合能力, 是它的競爭優勢之一:
o And one of the things we did really well is what we called our named user deployment and how, you know, when we have these enterprise licensing agreements, we offer enterprises the ability to download and distribute within the companies. And the more we do training and evangelism of the products, that leads to adoption. So, I would say there's an element of standardization, there's an element of more content.
而最近ADBE有個新聞, 引起了我的注意, 就是它即將在自己的平台上, 提供付款服務(payment service). 根據之前研究SHOP的經驗, 這有可能會對股價造成一定的漲幅:
On Sept. 15, Adobe announced that it will add payment services to its e-commerce platform this year to help merchants accept credit cards and other ways of paying. The move will deepen Adobe's rivalry with e-commerce firm Shopify (SHOP).
For the service, Adobe has partnered with PayPal (PYPL), which will process a variety of payment types, including credit and debit cards as well as PayPal's own payment and buy-now-pay-later offerings.
https://www.investors.com/news/technology/adbe-stock-adobe-beats-fiscal-q3-targets/
接下來該怎麼辦? 對於基本面良好的公司如ADBE, 我能說的就是buy the dip(逢低買進)了. 供參.
🌻The Facebook Files
一個星期前, WSJ上面有個關於FB的大篇幅調查報導. 有興趣的可以看看.
The Facebook Files
https://www.wsj.com/articles/the-facebook-files-11631713039
這篇文章挺長, 也沒有看到華爾街中文版本的完整翻譯, 不過可以看看這篇:
https://on.wsj.com/2ZmFimp
"《華爾街日報》的相關調查顯示,這家社交媒體巨頭心知肚明,其平台會傷害用戶,而且是以該公司常常完全了解的方式造成傷害。目前,全球近半數人口都是Facebook旗下平台的用戶。其中一些證據尤其令人不安:據《華爾街日報》報導,Facebook的內部研究顯示,在報告稱有過自殺念頭的青少年中當中,有13%的英國用戶和6%的美國用戶把這種念頭歸結於Instagram。"
另一篇相關新聞:
https://www.thenewslens.com/article/156683
"《華爾街日報》於13日揭露Facebook的XCheck系統,也就是內部系統中的VIP名單,數百萬名人、政治人物與記者等知名公眾人物都在特別的一份「白名單」之內。"
"這些「貴賓」在社群上發布的內容可以躲過一般的審查系統,即使發布明顯的不當內容,也不會立即被刪除。《衛報》報導,Facebook的獨立監督委員會表示,在閱讀該篇報導後,決定要審查XCheck系統,並要求Facebook對其進行報告與解釋。"
🌻我喜歡的Apple TV影集, "Ted Lasso", 是這次艾美獎的大贏家, 很多主要演員都得獎了.
很高興這兩年, 因為有這部戲的陪伴, 讓我撐過了疫情, 家人離世, 以及一些烏煙瘴氣的事情.
前幾天看演員的得獎影片, 一位娛樂記者問得獎的男配角(也是編劇之一)說, 你覺得這部片的核心思想是甚麼. 他說, be curious, not judgemental.
就像得獎的女演員在劇中一開始是很鴨霸很壞心的球隊主人, 但這樣做是因為被前夫傷透了心, 所以想要弄垮離婚後分到的財產(也是前夫的最愛--球隊); 外表看起來永遠陽光燦爛做啦啦隊的男主角, 在青少年時父親自殺, 造成了他心裡永遠的痛&障礙(讓他在球賽時, 會有突發恐懼症).
我們每個人其實都有很多面, 很多個故事. 尤其在社群, 大家都是萍水相逢, 對彼此的了解都是非常片面的; 而有時候在社群裡, 看到有人會因為只看到一個面向, 就去下斷語. 這其實是人之常情很難避免, 所以我們需要常用第二層思考去提醒自己. 社群裡需要更多的同理心.
“Be curious, not judgmental” – Walt Whitman(惠特曼)(美國詩人)
Picture來源:
https://www.apple.com/newsroom/2021/09/apples-global-hit-comedy-series-ted-lasso-sweeps-the-2021-primetime-emmy-awards-scoring-history-making-win-for-outstanding-comedy-series/
同時也有27部Youtube影片,追蹤數超過2,210的網紅DJ Macky Suson,也在其Youtube影片中提到,How to Use Singtel Dash Reward Points Redeem Your Points and Spend at 7Eleven Stores in Singapore This video shows on how you can use your earned Si...
double payment 在 HK-Kicks.com Facebook 的精選貼文
@juicestore 釋出 TRAVIS SCOTT x FRAGMENT x AIR JORDAN 1 RETRO LOW 抽籤購買詳情: (繼續IN-STORE 影相 + 上網抽籤)
In-store raffle:
- JUICE Causeway Bay from August 16, 12PM HKT to August 18, 9PM HKT.
- Enter by taking a photo of our Travis Scott x Fragment Design x Air Jordan set up and upload it onto your Instagram as a post or story (account must be public) whilst tagging both @juicestore and @jumpman23.
-You MUST be wearing Travis Scott/ Fragment Design/ Nike Air Jordan item in your photo (apparel or footwear) to enter.
- Double-up your chance by taking an Instagram story of the setup and add our Travis Scott x Fragment Design x Air Jordan-inspired IG stickers (search #clotcrew and #juicestore in GIF search), tagging both @juicestore and @jumpman23.
- Scan the QR code provided at our store and enter your details, including your name, email, residential address, shoe size etc.
- Each customer may only enter the in-store raffle ONCE.
- Winners will be notified with payment and pick-up information on August 18, with in-store pick-up on August 19. Unsuccessful participants will not be notified. (Hong Kong in-store pick-up only)
- Winners MUST show their relevant record of participation (proof of their IG story or post) to our retail staffs. Those failing to do so will not be eligible for purchase.
Online Raffle:
- Enter at JUICESTORE.COM on August 16, 12PM HKT to August 18, 9PM HKT, for a chance to win the highly limited Fragment Design x Travis Scott x Air Jordan 1 Low OG. (Hong Kong in-store pick-up only)
- Winners will be notified on August 18 with payment and pick-up information for launch day, on August 19. Unsuccessful participants will not be notified.
double payment 在 Facebook 的精選貼文
What’s your favorite mooncake flavour? One of my favorite is this Supreme Nuts with Ham mooncake from Grand Harbour coz it’s so aromatic and packed premium ingredients. 🥮🥮
.
And their Premium Gift Box (pink) it’s like a bag is so pretty and perfect for gifting. Available in 3 colors ~ blush pink, mint green, and oriental red. Swipe left until the end to check out all the colors. Faster grab before it’s out of stock. 😍😍
.
All Grand Harbour Restaurants mooncakes are “Made by Hand, Baked with Heart” 100% handcrafted mooncakes, each lovingly baked from scratch using the finest ingredients imported from Hong Kong and no preservative added. ✨✨
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You can taste the difference in each bite, an exquisite delicacy perfected by their Sifu or master chefs. They’ve varieties mooncakes to choose from, such as the traditional baked skin and snow skin mooncakes, alongside limited-edition gift boxes. 💥💥
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For gifting, you can opt for our Premium Gift Box (RM128 per box of 4 pieces), which consists of White Lotus Double Yolk, White Lotus Single Yolk, Supreme Nuts with Ham & Jade Lotus Single Yolk. 💯💯
.
Use Promo Code
GHMOONCAKES15
.
Get 15% discount with a minimum purchase of 1 box (4pcs) of mooncakes from 10 Aug – 21 Sep 2021.
.
How to Order?
1. WhatsApp our outlet and enter the Code: GHMOONCAKES15
a. Grand Harbour Fahrenheit 88 at 6011-2357 2932
b. Grand Harbour Da Men at 6017-958 7571
2. Choose the preferred mooncake flavours and delivery method: self-pickup/delivery. (Note: There will be additional charges for delivery)
3. Confirm order and make payment.
.
**Mooncake flavours are subject to availability.
**This offer is not applicable with any other promotion, voucher, discount, privileges or gift certificates and is not exchangeable or refundable for cash.
.
#mooncakemalaysia #mooncakes #grandharbourrestaurants #igmy #premiumgift #mooncake #igfood #grandharbour #midautumn #mooncake2021 #kellyeats
double payment 在 DJ Macky Suson Youtube 的最佳貼文
How to Use Singtel Dash Reward Points Redeem Your Points and Spend at 7Eleven Stores in Singapore
This video shows on how you can use your earned Singtel Dash Rewards Points, redeeming at 7Eleven Singapore.
If you have not yet, this is how you can earn Singtel Dash Reward Points:
Every dollar spent on your purchases and remittance made earns you reward points.
Unlimited reward points to earn, and a variety of rewards to choose from.
Shop, dine, commute, remit and redeem rewards, all with your Dash app
Remember:
Spend and remit to start earning points. For a limited time only, Singtel Dash Points offer: Earn DOUBLE Dash reward points whenever and wherever you Dash.
100 Points PER REMIT
800 Points FIRST PAYMENT TRANSACTION
#SingtelDash #SingtelDashRewardsPoints #RemittanceServiceSingapore
__
How To Pay Rides in Singapore Using Singtel Dash Visa Virtual Card
How do I pay and ride with Dash?
Did you know, Singtel Dash is seamlessly integrated with Visa.
To pay, simply tap and pay wherever Visa Contactless is accepted, just look for the Singtel Dash Logo. All you need is a compatible iOS or NFC-enabled Android phone.
Remember that every time you pay, you earn Dash Points.
Visit: https://dash.com.sg/pay/pay-to-commute to learn on how you can:
How do I pay and ride with Dash?
Taxis
Scan QR code
Tap the scan button on the home page to start scanning
Confirm payment
Check for the correct amount and tap ‘CONFIRM’.
Bus
Tap your mobile device against the fare reader
Activate tap-and-pay or Apple Pay.
Tap your phone against the fare reader as you board and exit the bus or train.
Singtel Dash must be set as your default mode of payment.
#SingtelDashVisaVirtualCard #SingtelDashApplePlay #PaywithSingteldash #SetupSingtelDash
____
Hi, fellow Overseas Filipino Workers in Singapore!
I have been using Singtel Dash for a while now and I can honestly tell you that its benefits are unprecedented
Benefits of downloading Singtel Dash App:
You can enjoy lower fees: The fees are the best you can get in Singapore. Comparing that to remittance services like:
Remitly, WorldRemit, CurrencyFair, TransferWise, InstaReM, Skrill
above's services can be used when transferring to a bank.
Better exchange rates when you remit to MLhuillier, Cebuana Lhuillier, Palawan and LBC Express, as well as directly to the accounts of major banks, like BPI, Security Bank, Union Bank, UCPB. Check out the rest of the banks here: https://dash.com.sg/remit
You will earn Dash Points where you can use it to redeem for purchases at Cold Storage, 7 Eleven, Grab, Food Panda, Zalora and more!
There are two ways to sign up:
Employers of Foreign Domestic Workers/Workers
https://dash.com.sg/remit#how-for-foreign
Working in Singapore
(SP WP EP LOC)
https://dash.com.sg/remit#how-for-worker-sg
#remittancesingapore #ForeignDomesticWorkersRemittanceSingapore #ofwremittancesingapore #overseasfilipinoworkerssingapore
sendin
![post-title](https://i.ytimg.com/vi/VGFEFY2C4F8/hqdefault.jpg)
double payment 在 DJ Macky Suson Youtube 的精選貼文
How to Use Singtel Dash Reward Points Redeem Your Points and Spend at 7Eleven Stores in Singapore
This video shows on how you can use your earned Singtel Dash Rewards Points, redeeming at 7Eleven Singapore.
If you have not yet, this is how you can earn Singtel Dash Reward Points:
Every dollar spent on your purchases and remittance made earns you reward points.
Unlimited reward points to earn, and a variety of rewards to choose from.
Shop, dine, commute, remit and redeem rewards, all with your Dash app
Remember:
Spend and remit to start earning points. For a limited time only, Singtel Dash Points offer: Earn DOUBLE Dash reward points whenever and wherever you Dash.
100 Points PER REMIT
800 Points FIRST PAYMENT TRANSACTION
#SingtelDash #SingtelDashRewardsPoints #RemittanceServiceSingapore
__
How To Pay Rides in Singapore Using Singtel Dash Visa Virtual Card
How do I pay and ride with Dash?
Did you know, Singtel Dash is seamlessly integrated with Visa.
To pay, simply tap and pay wherever Visa Contactless is accepted, just look for the Singtel Dash Logo. All you need is a compatible iOS or NFC-enabled Android phone.
Remember that every time you pay, you earn Dash Points.
Visit: https://dash.com.sg/pay/pay-to-commute to learn on how you can:
How do I pay and ride with Dash?
Taxis
Scan QR code
Tap the scan button on the home page to start scanning
Confirm payment
Check for the correct amount and tap ‘CONFIRM’.
Bus
Tap your mobile device against the fare reader
Activate tap-and-pay or Apple Pay.
Tap your phone against the fare reader as you board and exit the bus or train.
Singtel Dash must be set as your default mode of payment.
#SingtelDashVisaVirtualCard #SingtelDashApplePlay #PaywithSingteldash #SetupSingtelDash
____
Hi, fellow Overseas Filipino Workers in Singapore!
I have been using Singtel Dash for a while now and I can honestly tell you that its benefits are unprecedented
Benefits of downloading Singtel Dash App:
You can enjoy lower fees: The fees are the best you can get in Singapore. Comparing that to remittance services like:
Remitly, WorldRemit, CurrencyFair, TransferWise, InstaReM, Skrill
above's services can be used when transferring to a bank.
Better exchange rates when you remit to MLhuillier, Cebuana Lhuillier, Palawan and LBC Express, as well as directly to the accounts of major banks, like BPI, Security Bank, Union Bank, UCPB. Check out the rest of the banks here: https://dash.com.sg/remit
You will earn Dash Points where you can use it to redeem for purchases at Cold Storage, 7 Eleven, Grab, Food Panda, Zalora and more!
There are two ways to sign up:
Employers of Foreign Domestic Workers/Workers
https://dash.com.sg/remit#how-for-foreign
Working in Singapore
(SP WP EP LOC)
https://dash.com.sg/remit#how-for-worker-sg
#remittancesingapore #ForeignDomesticWorkersRemittanceSingapore #ofwremittancesingapore #overseasfilipinoworkerssingapore
sendin
![post-title](https://i.ytimg.com/vi/3wxz9Y1Tpi0/hqdefault.jpg)
double payment 在 DJ Macky Suson Youtube 的最佳貼文
How to Use Singtel Dash Reward Points Redeem Your Points and Spend at 7Eleven Stores in Singapore
This video shows on how you can use your earned Singtel Dash Rewards Points, redeeming at 7Eleven Singapore.
If you have not yet, this is how you can earn Singtel Dash Reward Points:
Every dollar spent on your purchases and remittance made earns you reward points.
Unlimited reward points to earn, and a variety of rewards to choose from.
Shop, dine, commute, remit and redeem rewards, all with your Dash app
Remember:
Spend and remit to start earning points. For a limited time only, Singtel Dash Points offer: Earn DOUBLE Dash reward points whenever and wherever you Dash.
100 Points PER REMIT
800 Points FIRST PAYMENT TRANSACTION
#SingtelDash #SingtelDashRewardsPoints #RemittanceServiceSingapore
__
How To Pay Rides in Singapore Using Singtel Dash Visa Virtual Card
How do I pay and ride with Dash?
Did you know, Singtel Dash is seamlessly integrated with Visa.
To pay, simply tap and pay wherever Visa Contactless is accepted, just look for the Singtel Dash Logo. All you need is a compatible iOS or NFC-enabled Android phone.
Remember that every time you pay, you earn Dash Points.
Visit: https://dash.com.sg/pay/pay-to-commute to learn on how you can:
How do I pay and ride with Dash?
Taxis
Scan QR code
Tap the scan button on the home page to start scanning
Confirm payment
Check for the correct amount and tap ‘CONFIRM’.
Bus
Tap your mobile device against the fare reader
Activate tap-and-pay or Apple Pay.
Tap your phone against the fare reader as you board and exit the bus or train.
Singtel Dash must be set as your default mode of payment.
#SingtelDashVisaVirtualCard #SingtelDashApplePlay #PaywithSingteldash #SetupSingtelDash
____
Hi, fellow Overseas Filipino Workers in Singapore!
I have been using Singtel Dash for a while now and I can honestly tell you that its benefits are unprecedented
Benefits of downloading Singtel Dash App:
You can enjoy lower fees: The fees are the best you can get in Singapore. Comparing that to remittance services like:
Remitly, WorldRemit, CurrencyFair, TransferWise, InstaReM, Skrill
above's services can be used when transferring to a bank.
Better exchange rates when you remit to MLhuillier, Cebuana Lhuillier, Palawan and LBC Express, as well as directly to the accounts of major banks, like BPI, Security Bank, Union Bank, UCPB. Check out the rest of the banks here: https://dash.com.sg/remit
You will earn Dash Points where you can use it to redeem for purchases at Cold Storage, 7 Eleven, Grab, Food Panda, Zalora and more!
There are two ways to sign up:
Employers of Foreign Domestic Workers/Workers
https://dash.com.sg/remit#how-for-foreign
Working in Singapore
(SP WP EP LOC)
https://dash.com.sg/remit#how-for-worker-sg
#remittancesingapore #ForeignDomesticWorkersRemittanceSingapore #ofwremittancesingapore #overseasfilipinoworkerssingapore
sendin
![post-title](https://i.ytimg.com/vi/TsVMLD84gTg/hqdefault.jpg)