- Chữa đề Writing thật tiếp theo thôi cả nhà ơi - Đề số 10 nhé: Some people think it is more important to spend public money on promoting a healthy lifestyle in order to prevent illness than to spend it on the treatment for people who are already ill. To what extent do you agree or disagree?
Bài mẫu:
The state spending on public health has become a widely perpetual concern. Some individuals argue that these already scarce resources should be reserved for the prevention of lifestyle-related illness. In my opinion, the government should focus more on the prevention of illnesses rather than medical treatment.
On the one hand, certain acute diseases, non-preventable regardless of governmental efforts to promote a healthy lifestyle, still need a state budget allocation for medical care. One of the primary duties of the government is to provide publicly funded healthcare to the whole population. Therefore, covering therapeutic and medical costs for those already developing symptoms of acute conditions would be a significant part of that duty, helping mitigate the financial burden associated with those maladies. In other words, a dearth of investment in treatment would be devastating patients’ individual life and wreaking havoc on overall social welfare.
On the other hand, promoting a healthy lifestyle as a prevention strategy is meant to avoid the entire economic burden of chronic diseases, affecting a significant proportion of the population. Those conditions, occurring across different life course stages, share common preventable risk factors relating to unhealthy behaviors, including poor nutrition, inadequate physical activity, and chronic heavy drinking and smoking. If left unchecked, trends in chronic diseases risk factors combined with a growing and aging population will increase the numbers of people living with chronic conditions, later causing the heavy burden of illness in patients, their families, and the community. Therefore, given a scarcity of state budgets for various public services, the government should directly provide information, including health education campaigns, or regulating information, such as limits on advertising and guidelines on food labelings. As a result, positive changes in individual lifestyle would follow, helping them withstand the ravages of time, and saving the state budget for other economically beneficial needs, such as technological investment, education, and infrastructure, rather than spending on treatment.
In conclusion, while allocating its healthcare budget in treatment, the government should promote a healthy lifestyle to avoid preventable chronic diseases due to its economic rationality.
Words: 341
----
Tháng 9 này, cùng IELTS Fighter Find your Fire - thắp đam mê, kệ Covid, học tập nâng cao kiến thức mỗi ngày nha. Các bạn cùng chờ đón cuộc thi Đại sứ IELTS Junior nè, Livestream học tập mỗi tuần và workshop online cho sinh viên siêu thú vị nữa nha. Theo dõi fanpage IELTS Fighter - Chiến binh IELTS để cập nhật thông tin nóng thường xuyên nhé.
同時也有52部Youtube影片,追蹤數超過118萬的網紅johannes liong,也在其Youtube影片中提到,✅ Official ETORO Website (Open Akun ): https://bit.ly/official-etoro -(Bonus 200$ USD WELCOME BONUS saat melakukan deposit dan Trading, Register link...
「online financial services」的推薦目錄:
- 關於online financial services 在 IELTS Fighter - Chiến binh IELTS Facebook 的最佳貼文
- 關於online financial services 在 貓的成長美股異想世界 Facebook 的最佳貼文
- 關於online financial services 在 TPIsoftware Global Facebook 的精選貼文
- 關於online financial services 在 johannes liong Youtube 的最讚貼文
- 關於online financial services 在 johannes liong Youtube 的最讚貼文
- 關於online financial services 在 johannes liong Youtube 的最讚貼文
online financial services 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-$55m for the fiscal year that ended June 30.
The path to profitability for many of these companies was to achieve massive scale, analysts said.
https://www.ft.com/content/ca201a37-a16d-4223-b123-04d38350a972
Pictures: 一葉知秋; from EarningsWhispers
online financial services 在 TPIsoftware Global Facebook 的精選貼文
【Easypeasy manage your massive log data!】
🌟digiLogs recently assisted Chang Hwa Bank in introducing Log management strategy and increased supervision efficiency by 300%↑
🌟digiLogs, "one-stop log management system" has established an exclusive “transaction tracking map” for Chang Hwa Bank.
When an automatic warning appears, the node marking function not only knows the system and transaction type and path of the transaction in real time, but also speeds up contact speed and shortens the time for troubleshooting and repair.
🌟Upgrade your systems and reduce operational burden for better bank user experience now!
Learn more about Chang Hwa Bank Log management strategy
📎 https://pse.is/3fdatn
Visualize the features and characteristics of Log Management Platform
📎 https://pse.is/3g7mv3
#彰化銀行 #昕力資訊 #TPIsoftware #digiLogs #Log #ChangHwaBank
online financial services 在 johannes liong Youtube 的最讚貼文
✅ Official ETORO Website (Open Akun ): https://bit.ly/official-etoro
-(Bonus 200$ USD WELCOME BONUS saat melakukan deposit dan Trading, Register link diatas)
-(Bonus 100.000 USD di akun DEMO Register link diatas)
-(Jika Tidak Menggunakan Link Diatas, Maka Tidak Akan Dapat Bonus)
✅ Tutorial & Login Member (tanpa VPN): https://bit.ly/Registrasi-Login-Etoro
DOCUMENT untuk Register ETORO: (Cukup KTP dan SIM SAJA)
Share informasi ini ke Family, Teman, Group dan Komunitas Anda
Whatsapp (etoro) : https://bit.ly/Whatsappetoro
====================================
Gunakan Bonus 100.000 Dollar di Akun Virtual (demo) Untuk Memahami Trend, Entry Dan Exit Serta Lihat Semua Fasilitas Yang Ada Dalam Etoro
✅Tutorial ETORO: https://bit.ly/tutorial-Etoro
- Membuka Rekening / Akun Etoro Cepat, Gampang Dan Gratis
- Tidak ada fee Ketika Trading, Bisa Trading Tanpa Batas (Free Trade & Unlimited Trade)
- Bisa Investasi Saham Luar negeri, Forex, Emas, Crypto, dll ( Broker Terlengkap)
====================================
SPECIAL PROMO WELCOME BONUS
SYARAT & KETENTUAN:
CEK DISINI: https://bit.ly/tutorial-Etoro
=====================================
ONLINE COURSE TRADING (GRATIS)
http://bit.ly/KelasTrading
=====================================
Semua kendala silahkan hubungi Costumer Support Etoro (bahasa Indonesia) :
WHATSAPP : +6590792393
HOTLINE : +622139501717 / 02139501717
Email : mayariskade@etoro.com
Senin - Jumat : 9am - 5pm ( jam kerja)
==========================================
JOIN komunitas & Sinyal Trading : http://bit.ly/komunitasTrading
Copytrade Etoro : Johannes_Liong
------------------------------------------------
Disclaimers:
eToro AUS Capital Pty Ltd. is a company authorized by the Australian Securities and Investments Commission (ASIC) under the Australian Financial Services License 491139.
Risk warning: eToro AUS Capital Pty Ltd. (ABN 66 612 791 803) makes no recommendations as to the merits of any financial product referred to in this advertisement, emails or its related websites and the information contained does not take into account your personal objectives, financial situation and needs. Therefore you should consider whether these products are appropriate in view of your objectives. Financial situation and needs as well as considering the risks associated in dealing with those products. It is also important to note that past performance of financial products or investments is no assurance of future performance.
online financial services 在 johannes liong Youtube 的最讚貼文
✅ Official ETORO Website (Open Akun ): https://bit.ly/official-etoro
-(Bonus 200$ USD WELCOME BONUS saat melakukan deposit dan Trading, Register link diatas)
-(Bonus 100.000 USD di akun DEMO Register link diatas)
-(Jika Tidak Menggunakan Link Diatas, Maka Tidak Akan Dapat Bonus)
✅ Tutorial & Login Member (tanpa VPN): https://bit.ly/Registrasi-Login-Etoro
DOCUMENT untuk Register ETORO: (Cukup KTP dan SIM SAJA)
Share informasi ini ke Family, Teman, Group dan Komunitas Anda
Whatsapp (etoro) : https://bit.ly/Whatsappetoro
====================================
Gunakan Bonus 100.000 Dollar di Akun Virtual (demo) Untuk Memahami Trend, Entry Dan Exit Serta Lihat Semua Fasilitas Yang Ada Dalam Etoro
✅Tutorial ETORO: https://bit.ly/tutorial-Etoro
- Membuka Rekening / Akun Etoro Cepat, Gampang Dan Gratis
- Tidak ada fee Ketika Trading, Bisa Trading Tanpa Batas (Free Trade & Unlimited Trade)
- Bisa Investasi Saham Luar negeri, Forex, Emas, Crypto, dll ( Broker Terlengkap)
====================================
SPECIAL PROMO WELCOME BONUS
SYARAT & KETENTUAN:
CEK DISINI: https://bit.ly/tutorial-Etoro
=====================================
ONLINE COURSE TRADING (GRATIS)
http://bit.ly/KelasTrading
=====================================
Semua kendala silahkan hubungi Costumer Support Etoro (bahasa Indonesia) :
WHATSAPP : +6590792393
HOTLINE : +622139501717 / 02139501717
Email : mayariskade@etoro.com
Senin - Jumat : 9am - 5pm ( jam kerja)
==========================================
JOIN komunitas & Sinyal Trading : http://bit.ly/komunitasTrading
Copytrade Etoro : Johannes_Liong
------------------------------------------------
Disclaimers:
eToro AUS Capital Pty Ltd. is a company authorized by the Australian Securities and Investments Commission (ASIC) under the Australian Financial Services License 491139.
Risk warning: eToro AUS Capital Pty Ltd. (ABN 66 612 791 803) makes no recommendations as to the merits of any financial product referred to in this advertisement, emails or its related websites and the information contained does not take into account your personal objectives, financial situation and needs. Therefore you should consider whether these products are appropriate in view of your objectives. Financial situation and needs as well as considering the risks associated in dealing with those products. It is also important to note that past performance of financial products or investments is no assurance of future performance.
online financial services 在 johannes liong Youtube 的最讚貼文
✅ Official ETORO Website (Open Akun ): https://bit.ly/official-etoro
-(Bonus 200$ USD WELCOME BONUS saat melakukan deposit dan Trading, Register link diatas)
-(Bonus 100.000 USD di akun DEMO Register link diatas)
-(Jika Tidak Menggunakan Link Diatas, Maka Tidak Akan Dapat Bonus)
✅ Tutorial & Login Member (tanpa VPN): https://bit.ly/Registrasi-Login-Etoro
DOCUMENT untuk Register ETORO: (Cukup KTP dan SIM SAJA)
Share informasi ini ke Family, Teman, Group dan Komunitas Anda
Whatsapp (etoro) : https://bit.ly/Whatsappetoro
====================================
Gunakan Bonus 100.000 Dollar di Akun Virtual (demo) Untuk Memahami Trend, Entry Dan Exit Serta Lihat Semua Fasilitas Yang Ada Dalam Etoro
✅Tutorial ETORO: https://bit.ly/tutorial-Etoro
- Membuka Rekening / Akun Etoro Cepat, Gampang Dan Gratis
- Tidak ada fee Ketika Trading, Bisa Trading Tanpa Batas (Free Trade & Unlimited Trade)
- Bisa Investasi Saham Luar negeri, Forex, Emas, Crypto, dll ( Broker Terlengkap)
====================================
SPECIAL PROMO WELCOME BONUS
SYARAT & KETENTUAN:
CEK DISINI: https://bit.ly/tutorial-Etoro
=====================================
ONLINE COURSE TRADING (GRATIS)
http://bit.ly/KelasTrading
=====================================
Semua kendala silahkan hubungi Costumer Support Etoro (bahasa Indonesia) :
WHATSAPP : +6590792393
HOTLINE : +622139501717 / 02139501717
Email : mayariskade@etoro.com
Senin - Jumat : 9am - 5pm ( jam kerja)
==========================================
JOIN komunitas & Sinyal Trading : http://bit.ly/komunitasTrading
==========================================
Follow our Other social Media
https://bit.ly/JohannesLiong
Hubungi Whatsapp: +6582506058
------------------------------------------------
Disclaimers:
eToro AUS Capital Pty Ltd. is a company authorized by the Australian Securities and Investments Commission (ASIC) under the Australian Financial Services License 491139.
Risk warning: eToro AUS Capital Pty Ltd. (ABN 66 612 791 803) makes no recommendations as to the merits of any financial product referred to in this advertisement, emails or its related websites and the information contained does not take into account your personal objectives, financial situation and needs. Therefore you should consider whether these products are appropriate in view of your objectives. Financial situation and needs as well as considering the risks associated in dealing with those products. It is also important to note that past performance of financial products or investments is no assurance of future performance.