digital bank america的八卦，Yahoo名人娛樂都在討論

‼️更新‼️開團40分鐘之內，美國已售出超過200組全數賣完（正在努力生第二團啊大家別哭），表單已關閉。台灣團已結束

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2017最值得期待的一團🔥🔥🔥環安實木兒童自主書桌椅+多功能展示書櫃來也！🔥🔥🔥
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自從前兩天分享了文章、昨天又害羞的第一次直播
這幾天羅比媽的信箱與私訊已經滿到爆炸，也感謝美國各區好康社團、台灣媽媽社團、中國媽媽微信群共襄盛舉💪🏻💪🏻💪🏻
更感謝好姐妹溫媽媽的大力協助才能促成這一團跨台灣與美國的團購活動（太刺激了！）
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認識環安的自主家具我打從心裡感到非常慶幸❤
真的使用了之後更是驚豔不已，想要身體力行把這麼好的概念推廣到每一個父母心中
讓大家可以加入我「📌居家蒙特梭利」的計畫
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不囉唆，羅比媽簡單敘述一下【非環安不可的5️⃣大理由】
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⭐️只有環安，真正一條龍：整個生產線、原物料全程把關、檢驗公開透明化，禁得起考驗不怕做比較
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⭐️只有環安，獲得最多無毒認證：最重要的表層環保水性漆保證made in Taiwan不含八大重金屬、苯類溶劑與甲醛致癌物，天然橡膠木更具健康綠建材認證，真正安全無毒掛保障。（說無毒不等於真無毒，有認證才敢大聲說呀！）
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⭐️只有環安，真正落實蒙氏精神：首重打造兒童獨立自主的能力＋開放式展示書櫃真正刺激視覺與閱讀的興趣，翻書率Up Up！簡單樸實美觀大方，絕非譁眾取寵的商品可比擬。
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⭐️只有環安，享有終生免費維修/翻新服務：因為環安從上到下自己研發、設計、生產製造，具有全產線的服務團隊才有信心可以為消費者最完整的服務。
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⭐️只有環安，親民價格也有好貨：沒有投資大量的媒體廣告與部落客行銷，環安省下錢給大家最親民的價格回饋，不讓你花錢買你帶不走的東西。
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我的媽呀！打完這一串我都感動了，好像我是環安的員工一樣XDD （老闆娘可以幫我安排一個辦公桌嗎？哈哈😂）
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‼️重要聲明：環安絕非仿間謠傳仿冒品（不實指控的你壞壞喔），老闆娘為自己的寶貝量身設計打造的書桌椅從設計藍圖與打樣都一直在啊！正版商品才能帶給大家真正安全無毒的居家環境與終生保固的服務
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不囉唆！趕緊來看看怎麼參加這次團購吧～～～（羅比媽不保證會有下一檔，因為我心臟病快發了大家都比我還緊張）
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➡️➡️➡️台灣區🇹🇼讀者看這邊⬅️⬅️⬅️
▌訂購單傳送門 ▌https://goo.gl/forms/jYuocc680IDxtEHQ2
▌團購時間 ▌即日起至台灣時間1/10(二)下午3:55，數量有限，售完即隨時關閉訂購單
▌到貨時間 ▌預計農曆年前可送達各位家中，當作寶貝的新年禮物唷
▌付款方式 ▌請於結團後三天內完成匯款，逾時系統會自動取消訂單
。戶名：環安科技有限公司
。帳號：193-540144786
。銀行代碼：822
。中國信託銀行 九如分行 (使用中國信託轉帳請在備註寫收件人姓名)
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▌羅比媽獨家贈送🎁🎁🎁 ▌購買一般/加大桌椅組、書櫃，贈送護木油一罐，購買單桌/單椅/腳凳，贈送鐵盒拼圖一盒。
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➡️➡️➡️美國區🇺🇸讀者看這邊⬅️⬅️⬅️
▌訂購單傳送門 ▌https://goo.gl/forms/oBgGkueUyRKW5tbJ2
▌團購時間 ▌即日起至美國西岸時間2017/1/9 (一)晚上11:55，數量有限，售完即隨時關閉訂購單
▌到貨時間 ▌預計2/17抵達美國即可出貨
▌運費與付款 ▌請於結團後48小時內完成付款（逾時系統會自動取消訂單）
1️⃣居住在全美50州的朋友皆可享免運+免稅直送到府
2️⃣目前開放Paypal與Chase Quick pay兩種付款方式
✅即使沒有PayPal帳戶，一樣可以透過Paypal完成刷卡無手續費
✅Chase X ClearExchange只要擁有以下銀行帳戶Chase, Bank of America, Wells Fargo, US Bank, Capital One
皆可在各位的online Banking中設定轉帳，並且沒有手續費
詳情可參考 https://www.chase.com/on…/digital/quickpay-clearxchange.html
3️⃣其他海外購買（澳洲、歐洲、港澳大陸等地區）：請先至環安家具粉絲團私訊詢問海外運費，報價合意後再下訂喔，謝謝!!
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▌羅比媽獨家贈送 🎁🎁🎁▌凡購買桌椅組合or羅比媽私房推薦的經典組合，就贈送市價$18的專屬多功能增高坐墊！（有童趣貓頭鷹、小狗腳印與豹紋三款）
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⚯⚯⚯⚯⚯⚯♦︎☾♝♕♝☽♦︎⚯⚯⚯⚯⚯⚯
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㊙️㊙️美國區限定。組團合購拼經濟優惠方案 ㊙️㊙️沒有最優惠，只有更優惠！
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羅比媽知道很多不同區的媽媽都想要一起衝數量爭取更優惠的價格，和溫媽媽商量了一下
若您可以湊滿10組桌椅，一筆訂單+一個地址，我們將會再提供5% off的優惠！（請直接寫信小幫手信箱robbie4mama@gmail.com）
歡迎分享給身邊的媽媽朋友、媽媽社團湊單享折扣，一起支持台灣的好產品唷！
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⚯⚯⚯⚯⚯⚯♦︎☾♝♕♝☽♦︎⚯⚯⚯⚯⚯⚯
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🔥🔥🔥動動手指送大獎 🔥🔥🔥美國和台灣的朋友都可以參加喔！
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環安為了感謝民婦=腦粉我本人的忠實支持
特別提供了💥3份妙妙蛙實木壁掛（就是直播的時候大家說好可愛的那個啦！）
只要大家【公開分享】這篇文章+【留言】說你最愛的產品是哪一咖
24小時之後羅比媽就會抽出3位幸運的朋友送你市價$1280的壁掛唷
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⚯⚯⚯⚯⚯⚯♦︎☾♝♕♝☽♦︎⚯⚯⚯⚯⚯⚯
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【羅比媽聲明：文章當中出現的產品，皆為羅比媽自費購買。並非廠商邀約，文章也無收受廠商贊助支付任何稿費。台灣團購將由廠商致贈分潤作為心意回饋】

🌻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

No cell signal, no Wi-Fi, no problem

Viral ( ) dance memes ( ) and dance challenges on TikTok largely bypass ( ) Green Bank, West Virginia. So do viral sensations like augmented reality filters ( ) on Snapchat and Instagram.

And when a Facebook fad had people all over the globe dumping ice water on their heads a few summers ago, Charity Warder, now a senior at Pocahontas County High School, was late to the game.

Sure, Charity has an iPhone, but she uses it mostly as a clock and a calculator. She makes phone calls from a landline, and she rarely texts her friends. Texting and driving? “It’s not a thing here,” she said.

When Charity wants to get online at home, she sits at her family’s desktop computer, which has a broadband connection that is so sluggish ( ), it takes minutes to load a YouTube video.

Welcome to Green Bank, population 143, where Wi-Fi is both unavailable and banned and where cellphone signals are nonexistent.

The near radio silence is a requirement for those living close to the town’s most prominent ( ) and demanding resident, the Green Bank Observatory, home to the world’s largest fully steerable ( ) radio telescope. To protect the sensitive equipment from interference ( ), the federal government in 1958 established the National Radio Quiet Zone, a 13,000-square-mile area near the state’s border with Virginia.

The observatory’s telescope “could detect your phone on Saturn in airplane mode,” states a sign outside its science center building, but is rendered ( ) much weaker if anyone uses electronics that emit radio waves. For those who live within 10 miles of the observatory, the limitations also include a ban on Bluetooth devices and microwaves, unless they are contained in a metal box, known as a Faraday cage, which blocks electromagnetic fields.

Nearly 15 million Americans live in sparsely ( ) populated communities where there is no broadband internet service at all, a stark ( ) digital divide across America between those with access to uber-fast connections and those with none.

But in Green Bank, where the restrictions are mandatory, the quiet zone has in many ways created a time warp ( ) in the mountainous region. Phone booths loom ( ) near barns and stand guard on rural roads. Paper maps are still common. Here, people are less distracted by the technologies that have come to dominate 21st-century American life.

At a time when nearly 60% of American teens say they have been bullied or harassed ( ) online, and studies have found links between social media use and teen mental health problems, the digital limitations around Green Bank have created a unique kind of modern childhood, providing a glimpse into what it means to grow up without the constant buzz ( ) of texting and social media.

沒手機訊號、沒無線網路的無憂

在美國西維吉尼亞州綠岸鎮，人們看不到短影音應用程式「抖音」大多數的網路爆紅舞步和改編舞步挑戰。這個地方的人也看不到擴增實境濾鏡等在社群軟體Snapchat和Instagram上爆紅的事物。

而在幾年前夏天，臉書掀起一陣風潮，使全球各地網友紛紛朝自己頭上傾倒冰塊和水時，目前已是波卡洪塔絲縣高中畢業班學生的Charity Warder，很晚才加入這行列。

查瑞蒂是有支iPhone，但她多半用來當鬧鐘和計算機。她只打固網電話，很少傳簡訊給朋友。邊傳簡訊邊開車？她說：「這裡沒這種事。」

查瑞蒂想在家上網時，就坐在全家共用的桌上型電腦前，電腦連接的寬頻網路非常慢，要花上好幾分鐘才能載入一支YouTube影片。
歡迎來到綠岸這個僅143人的小鎮，這裡既沒無線網路也不准使用，更沒有手機訊號。

綠岸天文台是鎮裡最出名且要求最多的「住戶」，世界最大的全可動射電望遠鏡即設置於此，而幾乎禁絕無線電則為其附近居民必須接受的要求。為了保護這裡的精密設備不受干擾，聯邦政府1958年將西維吉尼亞州靠近維吉尼亞州、約3萬4000平方公里的區域劃為「國家無線電寂靜特區」。

綠岸天文台科學中心大樓外的告示牌寫道，這個天文台的望遠鏡很敏銳，「即使手機開飛航模式放在土星上，望遠鏡都偵測得到」，不過若有人使用會發射無線電波的電子產品，望遠鏡偵測能力就會大為減弱。天文台方圓16公里內的居民甚至連藍牙裝置和微波爐都不准使用，除非把這些裝置放在名為「法拉第籠」的金屬籠裡，這種籠子能阻隔電磁場。

近1500萬美國人住在全無寬頻網路的人煙稀少地帶，與美國各地得以使用超快網路的人形成強烈對比。

不過，在強制執行這些限制的綠岸，寂靜特區使這多山地帶在許多方面出現時間錯位現象。電話亭赫然出現在穀倉附近，並佇立在鄉間道路旁。紙本地圖仍盛行。這裡的人比較不會為主導21世紀美國人生活的科技而分心。

近六成美國青少年表示曾遭受網路霸凌和騷擾，而且研究顯示使用社群媒體和青少年出現心理健康問題有關，在這當口，綠岸對數位技術的限制創造出一種獨特的現代童年生活，讓人一窺不在簡訊和社群媒體持續的訊息轟炸下長大，會是什麼樣貌。

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