🌻
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3部Youtube影片,追蹤數超過1,650的網紅M0Ki333,也在其Youtube影片中提到,SANTUY BUSSKUR! T I P S : https://streamlabs.com/hafizazmi SHOPPING BARANG GAMING KORANG DEKAT SHOPEE ARMAGGEDDON! : http://bit.ly/SHOPEEARMAGGEDDON...
「online shopping article」的推薦目錄:
- 關於online shopping article 在 貓的成長美股異想世界 Facebook 的最佳解答
- 關於online shopping article 在 國立臺灣大學 National Taiwan University Facebook 的精選貼文
- 關於online shopping article 在 Apple Daily - English Edition Facebook 的精選貼文
- 關於online shopping article 在 M0Ki333 Youtube 的最佳貼文
- 關於online shopping article 在 M0Ki333 Youtube 的最讚貼文
- 關於online shopping article 在 Adam Lobo TV Youtube 的最讚貼文
online shopping article 在 國立臺灣大學 National Taiwan University Facebook 的精選貼文
【國立臺灣大學 109學年度畢業典禮 校長致詞】
Opening Remarks, National Taiwan University Commencement 2021
President Dr. Chung-Ming Kuan
.
各位師長同仁,各位畢業同學以及家長們,歡迎大家參加 109 學年度的線上畢業典禮。
去年新冠疫情初起,學校雖仍舉辦實體的畢業典禮,但規模大為縮小,許多師生和家長均以無法參加典禮為憾。今年初臺灣的疫情持續穩定,大家原本期待今年畢業典禮能按照往年方式辦理。不料五月時疫情急轉直下,臺北市疫情警戒程度提高,我們於是推遲畢業典禮,並改以線上方式進行。這也是臺大首次以線上方式舉辦畢業典禮。
隨著疫情發展,線上活動如今已成為生活中的新常態。我們雖逐漸習慣線上教學,線上會議,線上交流,線上購物訂餐等,但連期待了四年的畢業典禮也只能在線上參加,許多同學與家長們難免失望。為此,學務處與許多同學攜手,精心策劃了今天這場特殊的線上畢業典禮,希望能讓大家留下不一樣,但仍美好的記憶。
因為新冠疫情,有些同學會抱怨:這樣大的疫情怎麼就正好被我們在畢業時碰上了?也有些同學則樂觀的想,一旦有了疫苗,疫情得到控制,世界最終還是會回到以前的軌道,大家仍可以過著平穩安定的日子。
然而這個世界從不曾平靜。今年畢業的同學多數出生於1999 年,那正是規模達 7.3 的 921 大地震發生的那一年。時隔四年,亞洲(包括臺灣)爆發了罕見的急性呼吸道感染病 SARS。不過五年之後,源自美國的金融海嘯席捲全球,影響全世界經濟數年之久。2009 更是不平靜的一年,臺灣出現莫拉克風災,造成慘重傷亡;全球則爆發了 H1N1 流感大流行,數十萬人因此死亡。這些當時都曾被認為是數十年(甚至百年)一遇的重大災難。
回顧二十多年來的這些事件(這還僅僅是一部份與臺灣相關的事件),我們就會發現:巨大的天災人禍,過去曾頻繁出現,未來應該也不會少見。
當然,新冠疫情的影響範圍遠超過 SARS 與 H1N1 流感,對世界的衝擊則更大於金融海嘯。近代能與這次疫情相比的是一百年前 (1918-1920) 的全球流感大流行;據後來估計,當時全世界人口三分之一染疫,約有五千萬人因此不幸喪生。
那次流感爆發時正值第一次世界大戰末期,對當時的德軍主力造成嚴重打擊。而後疫情時代,戰敗的德國被列強宰割,奧匈帝國及奧圖曼帝國亦隨之瓦解,徹底改變了舊的國際秩序,也為後來的世局(從歐陸,到中東和亞洲)埋下許多不安定的種子。
這次新冠疫情並未伴隨著世界大戰,但出現在國際強權針鋒相對,世界產業供應鏈重整的關鍵時刻;後疫情時代因此充滿不確定性。而重組後的國際政經秩序,我不知道那會是一個「美好或不美好的新世界」*,但它就是大家必須面對的世界。那裡將充滿挑戰和機會,如何善用所學回應挑戰,如何從機會中脫穎而出,都是大家新的功課。這些功課沒有標準答案,你們必須自己解答,自己審閱答案。
我也希望利用這個機會提醒同學們,對於正在醫療前線奮戰的眾多醫護人員,其中包括了許多學校師長與大家的學長姐們,我們一定要心存感念。當疫情大浪襲來時,他們勇往直前,力挽狂瀾,不僅保護病人,也捍衛著臺灣社會。他們是真正的英雄。只要大家共同努力,疫情終會過去,我們一定會贏得抗疫的最後勝利。
最後,我謹代表所有老師和行政主管,向所有畢業同學們表達最深切的祝福,也恭喜辛苦多年的家長們。敬祝大家未來一切順利,身體健康
最後我還想講幾句話。我記得我看過一篇外國人寫的文章,他說他在臺灣多年,注意到臺灣有個很奇怪的習慣,朋友分手時都常常會說:「要小心哦」。我看到這篇文章的時候,也突然心有所感;多年來我媽媽每次看到我出門時會跟我講這句話,而後來我跟自己的小孩,也會講這樣的話。所以在畢業典禮這個時刻,我敬祝大家未來一切順利,身體健康,大家都要小心哦!
2021.6.26
*「美好新世界」(Brave New World) due to A. Huxley
.
==============================
.
When the COVID-19 pandemic began last year, NTU was still able to hold graduation ceremonies in person but on a much smaller scale and with the absence of many faculty members, students, and parents. Earlier this year, we were hoping to gather for a traditional commencement. But the sudden outbreak in May had forced Taipei City to raise its epidemic alert level. So we postponed the Commencement and made the decision to hold the ceremony virtually. This is the first virtual Commencement in NTU history.
To our faculty, new graduates, and parents, welcome to the National Taiwan University’s Commencement celebration for the Class of 2021.
As the pandemic unfolds, digital is the new normal. While we gradually adapt to online learning, virtual meetings, social media, online shopping, and food delivery, it is inescapably disappointing for many students and parents to have to celebrate the achievements of our graduates this way after anticipating this event for four years. And because of this, the Office of Student Affairs has teamed up with the graduates to ensure that this unique virtual Commencement is a moment that everyone will remember fondly in the future.
Some of you may ask, "why does this happen just when we are graduation?" And some of you may think optimistically that once the vaccines are available and the pandemic is contained, the world will be back to normal, and that we will all live peacefully.
But the world has never been peaceful. Most of the graduates this year were born in 1999, when the magnitude 7.3 earthquake happened on September 21. Four years after, SARS broke out in Asia, including Taiwan. Within another 5 years, the financial crisis, originated in the United States, affected global economies for years. In 2009, Typhoon Morakot landed and caused severe casualties in Taiwan; the H1N1 flu pandemic took hundreds of thousands of lives. These disasters were, at the time, seen as rare catastrophes that would only take place once every few decades, or even centuries.
Looking back to the past 20 years, we’d notice that, even just in Taiwan, catastrophes have never been in short supply. And they will probably never be in the future either.
Of course, the effect of COVID is far beyond SARS and H1N1, and its impact is greater than the financial crises. What came close was the Spanish flu that took place a century ago (1918-1920), when, according to estimation, one-third of the global population was infected and about 50 million people died.
The influenza pandemic outbreak took place at the end of WWI and hit the German military especially hard. And after the pandemic, Germany was forced to cede its territories to the great powers. What followed was the fall of the Austro-Hungarian and the Ottoman Empires. The series of events reset the international order and formed the settings for many conflicts in the years to come.
While COVID did not break out during a world war, it came at a critical time when great powers bicker and the global supply chains face a reform. The post-pandemic ear is therefore full of uncertainty. I don’t know whether it’d be a "Brave New World"* once the international political and economic orders are reshuffled. But it will be a world we have to live in. There will be many challenges and opportunities, and it will be our new task to utilize what we have learned to tackle challenges and grasp opportunities. Unlike any standardize
d test, you will have to answer and grade the answers yourselves.
I also want to use this opportunity to remind the graduates, that we must have appreciation and gratitude for the healthcare workers who are on the frontlines fighting. Many of them are our faculty members and alums. When the waves of the pandemic hit, they stood up to save lives and protect Taiwan’s society. They are true heroes. As long as we work together, we will weather the crisis and win this battle.
Finally, on behalf of the faculty and management, I send you our deepest best wishes. And congratulations to the parents and families who have supported the graduates for years. I wish you success and good health.
One final thing, I remember reading an article by a foreign writer who said he had lived in Taiwan for years and had noticed that Taiwanese people have a strange habit of saying "be careful" when they part ways. When I read the article, this resonates with me from the heart. For years, my mother would say the same thing whenever I am leaving the house. Now I say the same thing to my children, too. So at this Commencement ceremony, I wish everyone great success in the future, good health, and "be careful."
2021.6.26
*「美好新世界」(Brave New World) due to A. Huxley
.
詳見:
https://www.facebook.com/NTUCommencement/posts/2718144868475937
.
#臺灣大學 #畢業典禮 #NTUCommencement2021 #校長致詞
online shopping article 在 Apple Daily - English Edition Facebook 的精選貼文
#Opinion by Chung Sau-ha 鍾秀霞 | "Not only is the decrease of mainland Chinese tourists a huge blow to the retail industry, but there is also the threat from online shopping platforms. Both of these are obvious factors, but aside from the two, another that is often neglected is the fast-paced, transparent market that allows for information circulation. Consumers have a high level of awareness of various products and getting a reasonable price range from simply asking around or looking online. In other words, the competition in the retail industry is huge, adding a layer of difficulty to profitable growth. On the whole, I still remain positive towards the local retail industry."
Read more: https://bit.ly/3ba7kEK
"零售業一方面受到內地旅客大減的打擊,另一方面又面對來自網上購物平台的威脅,這兩個都是相當明顯的因素,但還有一點經常遭人忽略,就是香港是個資訊快速流通而透明的市場,消費者對於各類產品的認知度很高,大家只要稍為打聽一下或在網上格價,便很容易以合理價格購得所需之用品,換言之,零售企業之間的競爭相當激烈,為盈利增長增添難度。整體而言,筆者對於本地的零售板塊仍持觀望態度。"
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online shopping article 在 M0Ki333 Youtube 的最佳貼文
SANTUY BUSSKUR!
T I P S : https://streamlabs.com/hafizazmi
SHOPPING BARANG GAMING KORANG DEKAT SHOPEE ARMAGGEDDON! : http://bit.ly/SHOPEEARMAGGEDDON
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online shopping article 在 M0Ki333 Youtube 的最讚貼文
GTA ONLINE SATU KALI!
T I P S : https://streamlabs.com/hafizazmi
SHOPPING BARANG GAMING KORANG DEKAT SHOPEE ARMAGGEDDON! : http://bit.ly/SHOPEEARMAGGEDDON
JEMPUT BACA ARTICLE AKU: http://bit.ly/MOKArticle
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![post-title](https://i.ytimg.com/vi/zcKbE6aTsOA/hqdefault.jpg)
online shopping article 在 Adam Lobo TV Youtube 的最讚貼文
Oppo Find X2 Pro | Oppo Find X2 Pro 2020 Unboxing | X2 Pro 2020 Full Review | Unboxing full Review
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Check out the full article done by Hitech Century in the link below:-
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online shopping article 在 The curious origins of online shopping - BBC Worklife 的相關結果
Online shopping is now ingrained in our day to day, but snapping up whatever you want with the click of a mouse wasn't always so ... ... <看更多>
online shopping article 在 Shopping Online: Convenience, Bargains, and a Few Scams 的相關結果
Online buying and selling have become important parts of many people's lives. Virtual stores allow people to shop from the comfort of their homes without ... ... <看更多>
online shopping article 在 (PDF) Online Shopping - An Overview - ResearchGate 的相關結果
Shoppers can visit web stores from the comfort of their house and shop as by sitting in front of the computer. Online stores are usually available 24 hours a ... ... <看更多>