a divided by b的八卦，YOUTUBE、PINTEREST和Yahoo名人娛樂都在討論

因為有不少朋友建議我，將日前臉書上“武漢肺炎發生率與致死率的國際比較”一文翻譯成英文，所以，就以英文版再次和大家分享，也謝謝大家的批評指教。

International Comparison of Incidence and Mortality Rates of COVID-19

In the statistics of the COVID-19 collected and published by the World Health Organization (WHO), only the numbers of confirmed cases and deaths of COVID-19 of affected countries are available, without taking the population of each country into consideration. It will result in a biased assessment of the COVID-19 risk for each country.
Better data for international comparison is incidence rates, which refer to the number of confirmed COVID-19 cases (numerator) divided by the number of the population (denominator) of a given country. As shown in Table 1. the incidence rate per 100,000 population was highest in Italy, Korean, Iran, and China (>5.0 per 100,000) and much lower in Japan, US and Taiwan (<0.5 per 100,000).



The number of confirmed COVID-19 cases in each country is not only related to its population but also dependent on the coverage rate of the COVID-19 virus test. The confirmed case number and incidence rate are relatively low for those countries where only the severe cases were tested for COVID-19 virus; and they are much higher for countries where severe, moderate and mild cases were tested for the virus.

Once a country changes its policy of virus testing, for example of testing only those who are seriously ill, the number of the confirmed cases and incidence rate will drop sharply in a short period of time, but its case fatality rate will rise accordingly.

The case fatality rate is the proportion (percentage) of confirmed COVID-19 cases who died from the disease. Its numerator is the number of confirmed cases who died from the disease, and its denominator is the total number of confirmed cases. It is for sure that the case fatality rate will be higher if the analysis is limited to severe cases, and it will drop dramatically if the analysis also includes moderate and mild cases.

As shown in Table 2, the case fatality rates are the same for severe (5%), moderate (0.5%) and mild (0.1%) COVID-19 confirmed cases in countries A, B, and C are the same, but
the overall case fatality rates per 1,000 confirmed cases are significantly different among the country A, where only test the severe cases (41 per 1,000), country B where both severe and moderate cases are tested (14 per 1,000), and country C where test all severe, moderate and mild cases (8 per 1,000).



Among the countries with more than 1,000 confirmed cases in Table 1, the overall case-fatality rates in Italy, China and Iran were all exceeded 3.5%. Obviously, the severe cases account for a relatively large proportion of confirmed cases. The overall case-fatality rate for South Korea and Germany was only 0.8% and 0.1%, respectively, where the moderate and mild cases account for a relatively large proportion.

When we see a rapid decline in the number of confirmed cases with a soared case fatality rate, we must first pay attention to the change in the country's virus testing strategy. The Director-General of WHO recently stated that all countries should be cautious for the case fatality rate of COVID-19 is rising! The conclusion that the Director-General was biasedly made without taking the change in the virus testing strategy into consideration. He made the matter worse by causing unnecessary panic!

In addition to the virus-detection strategy, some other factors such as age, chronic disease status, and quality of medical care also affect the case fatality rate. For examples, the fatality rate will be low if the patients in the hospital for isolation treatment are mostly young people, without chronic disease, and receiving good cares. If most patients are old, with chronic disease, and receiving inadequate cares due to limited hospital resources and manpower, the case fatality rate will become high.

กรณีศึกษา TQM นายหน้าประกัน ที่มีมูลค่า 4 หมื่นล้านบาท /โดย ลงทุนแมน
หลายคนอาจจะยังไม่คุ้นชื่อของบริษัท TQM
แต่รู้ไหมว่า TQM เป็นบริษัทที่มีมูลค่ามากสุดใน อุตสาหกรรมประกัน ที่จดทะเบียนในตลาดหลักทรัพย์แห่งประเทศไทย

หากเรามาดูมูลค่าบริษัทในอุตสาหกรรมประกัน 5 อันดับแรก ในตลาดหลักทรัพย์
...Continue ReadingTQM case study. Insurance agent worth 4 billion baht / by investing manly.
Many people may not be familiar with the name of TQM company
But did you know that TQM is the most valuable company in the insurance industry listed in the Stock Exchange of Thailand?

If we come to see the value of the top 5 insurance companies in the stock exchange.

TQM Corporation (TQM) 4.35 billion baht.
Bangkok Insurance (BKI) 3.01 billion baht.
Bangkok life insurance (BLA) 2.68 billion baht.
Thai Holdings group (SEG) 1.89 billion Baht.
Insurance tip (TIP) 1.35 billion baht.

The more interesting story is TQM is not a life insurance company or safety insurance.
But TQM is an insurance agent who sells insurance from other companies again.

Why is the broker bigger than the insurance company?
Invest man will tell you about it.
╔═══════════╗
Scenario and Economic Update with Blockdit
Podcasts available on the go
Blockdit.com/download
╚═══════════╝
TQM just registered to the stock exchange for 2 years. Scrap.
But actually TQM was founded since Prof. 2496 or 67 years ago
By TQM starting a business. Protective Agent.

For TQM business model is
Intermediary has an advisor for insurance or life insurance.
via telephone and online

The company has a service to cover from home transfer.
Stay alert and sign up before expire to customers

According to the 2562 Annual Report, TQM will have a proportion of premium sales. The premium is divided into.

Car insurance 10,163 million baht
Accident and health insurance. 1,429 million baht.
Life insurance 766 million baht
Misc insurance 377 million baht
Marine insurance and transportation 47 million baht.
And the danger is 13 million baht.

Total amount is worth 12,795 million baht which you can think.
15 % growth compared to the same period of last year.

Now, being a car insurance agent is the main income of TQM

However, the sales insurance premiums are not considered direct income of the company.
Because TQM is a realtor
Therefore, TQM will recognize income as commissions from premiums.
Which will be different according to the type of insurance. For example.

Car insurance group. Force sector. The school. B. B At a rate of no more than 12 % and voluntary sector at a rate of less than 18 %

Life insurance group at a rate of less than 40 % in the first year and will decrease in the next year.

Now let's see an overview of the last TQM performance.

Year 2560 Income 2,281.7 million baht. Profit of 268.3 million baht.
Year 2561 Income 2,525.0 million baht. Profit of 404.3 million baht.
Year 2562 Income 2,783.8 million baht. Profit of 507.2 million baht.

Income grows on average 10.5 %
Profit grows on average 37.5 %

By company's income comes from

Realtor business and insurance services 94.6 %
Realtor business and life insurance services 2.8 %
And other income 2.6 %

This type of business is actually a highly competitive business.
Because customers have options from walking into their own insurance company.
Or go to a realtor service for both individuals and other organizations.

Something to block the competition gap in this business.
It's an effective service that will keep customers with us. We don't run away.
From the numbers of past results, TQM seems to be doing well.

TQM company quarter 1 2563

Income 814.1 million baht. Grow 23.8 %
Profit of 179.3 million baht. Grow 68.3 %

The main cause of growth in the 1 quarter of 2563 is TQM. Ready for business. For online sales channels that companies expect to be important factors that affect business.

The emergence of COVID-19 has made TQM to use online channels which have been prepared to be a way to sell insurance. If it ends with COVID-19 quickly.

From such growth.
TQM becomes one of the companies that investors on the stock exchange are paying attention to.
Until company shares have increased by 112 % since the beginning of the year.
Recently, there is a company worth up to 4 billion baht.

With this level of value, TQM becomes the most valuable company in the insurance industry listed on the Stock Exchange of Thailand.

Many people probably didn't realize that insurance agent companies could be bigger than insurance companies.

But don't forget that now the company's P / E has risen to 70 times higher and is considered a high level of investment. If companies expect high growth, there is a risk that can't be expected. Prices will fall as well.

Ending with interesting information
Did you know that insurance agent will have an advantage of straight insurance companies that don't have to take insurance risks and instantly recognize accounting income?

When the insurance agent sells insurance, the agent will know the commission income immediately.
But for the insurance company, the company will gradually be aware of it. Break the draw that the policy protects.

For example, COVID-19 insurance
When TQM sells COVID-19 insurance from AAA insurance company with 1 year coverage period.

TQM will know the commission fee as income immediately and no risk required.

But for insurance companies that provide COVID-19 coverage.
Unless insurance companies take risks to pay their customers a cash payment.
Until the insurance company recognizes the premium as income, it's all going to have to wait for a whole year..

NOTE: This article does not intend to buy or sell. These shares are risky. Please study the full information before making every investment decision.
╔═══════════╗
Scenario and Economic Update with Blockdit
Podcasts available on the go
Blockdit.com/download
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Follow to invest manly at
Website - longtunman.com
Blockdit-blockdit.com/longtunman
Facebook-@[113397052526245:274: lngthun mæn]
Twitter - twitter.com/longtunman
Instagram-instagram.com/longtunman
Line - page.line.me/longtunman
YouTube - youtube.com/longtunman
References
- TQM's Annual Listing (56-1)
- TQM Annual ReportTranslated

[News] รวมรายละเอียดใหม่ของ Cyberpunk 2077
.
อันนี้เป็นข้อมูลโดยรวมของ Cyberpunk 2077 จากการสังเกตของเหล่านักข่าวตามสื่อต่างๆ ที่ได้ทดลองเล่นตัวเกม และมีชาว Reddit รวบรวมเอาไว้เป็นข้อๆ ดังนี้ (ขอตัดบางส่วนที่คาดว่าเป็นสปอยล์เนื้อหาออก แต่ยังสามารถเข้าไปอ่านใน Source ได้)
.
- ไม่มีฉากโหลดเกม ยกเว้นเฉพาะตอนโหลดครั้งแรก...
Continue Reading[News] New details of Cyberpunk 2077
.
This is the overall information of Cyberpunk 2077 from observation of journalists following the media who have tried to play games and Reddit people gathered as follows. (Let's cut off some that are expected to spoil the content but still can. Check it out in Source)
.
- No game loading scene except for first loading.
.
- You can kill people walking the streets in and out of vehicles.
.
- Killing someone near a police or gang around there or making a big enough problem. Laws and gangs will handle you severely.
.
- Movement in the game is smoother than The Witcher 3
.
- Players will be controlling the camera angles almost anytime, even in the conversation scene.
.
- Lots of discussions.
.
- The game won't be the same as Grand Theft Auto (in terms of feeling and structure) because this is an RPG game.
.
- Plenty of customization options and if you choose to have a dul, you can choose whether you want a circumcised or not.
.
- You can finish the whole game without killing anyone.
.
- Some in-game mission may produce up to 7 different results depending on how to play.
.
- The more weapons you use, the more you master in that kind of weapon.
.
- You can press over time to give mission time to pass.
.
- 1 hours in real time = 8 hours of game time
.
- Using Fast Travel in game, there will be no loading scene.
.
- In addition to the initial game loading, there will be a short loading scene when V sleeps.
.
- Cyberpunk 2077 fight system is similar to Destiny, but it still confirms that it's not FPS game. This is RPG game.
.
- Running game smoothly, but there are some cuddle to see.
.
- In-game mission will have many choices to do and result in changing results.
.
- In this game, you will not feel that you are the center of the universe. (Similarly, you are not a hero, not a chosen hero, just a cuddle mm doodle living in the city.)
.
- A companion can use to fight too.
.
- Your UI will be determined according to the Enhancements you put in Life Path.
.
- Contributing characters will be very interesting and there will be many characters you will like.
.
- An open world is amazing. Everyone praised the game world design, environment and lifestyle and semi-future rate sense.
.
- There will be many interesting Lore that don't tell or tell straight away. Stuffing in our face without the art of telling and everything must be investigated, seek or found themselves, but it will be easily accessible.
.
- The world in game will be realistic and reliable.
.
- Characteristics will make you distrust every character you encounter.
.
- You can buy Braindance or Illegal XBD at black market or some night market.
.
- Lots of cybernetics devices for you to wear and can improve cuddle upgrade too.
.
- Focusing on vertical exploration and falling from high will also hurt you.
.
- There are kids in game but can't kill them
.
- In case of choosing Corpo in Life Path, you will start at Arasaka Tower. Nomad will start at Badlands and if street kid starts at Night City bar.
.
- Tutorial will be 6 years after that and will start at demo gameplay events shown at E3 2018
.
- Trauma Team (Nurses) can electrocute you if you don't follow their orders.
.
- Conversation is very well written. There will be nowhere that feels like a B grade movie.
.
- There are animals in the game, but there are very few and all are mechanical.
.
- Some YouTuber is in this game with the looks and sounds of dubbing.
.
- On TV on V's apartment elevator, there's a comedy talk show on TV.
.
- You can talk to anyone and get sub-mission from NPC and Watson area. There are many NPCs to make the city look alive.
.
- A gun shop maybe has a mission for you to do.
.
- There will be CyberPsycho in the game. These are NPC who will kill police with high violent snipers.
.
- Night City has a huge size and 4 hours that the media can only explore the skin of the game.
.
- There are plenty of choices for you to decide.
.
- Close-range fights have attack, avoid and protective buttons. If you hit the right beat, it can be parked back. Include sword and knife attack.
.
- In-game music is great. Both soundtrack and music on radio in game.
.
- The game feels like playing Tabletop RPG in terms of freedom to answer the cuddle drama formation, options that provide choices and results of various missions and statistic management.
.
- The option to answer the question will feel that it means everything. Not putting it to you. Just have a lot.
.
- Character model is very impressive resolution but it doesn't change the world.
.
- The world in the game will feel that there is life with people breathing and living in it with NPC movement environment, their conversations and lighting and model surfaces.
.
- Almost everything shown in Trailer is from the introduction of the game.
.
- B. cuddle K that I found during the show will be fixed before the game is released.
.
- Blessing Adeoye Jr. Kinda Funny Video thinks the game might be postponed again.
.
- Driving in the game will feel very good. It's similar to Grand Theft Auto, but it will have more weight.
.
- There are more than 12 radio stations and rock waves including police reports live on the radio.
.
- Sub mission in the game will be very diverse.
.
- Game maps are packed with many things to see and do and you can enter the building almost anywhere.
.
- There will be a lot of Perks that each of the cuddle th will have their own cuddle th bent cuddle th grade.
.
- Weapons in the game are very diverse. Even the same weapon will have completely different talents and statistics.
.
- Some sub-missions will be affected by many things in Golden Path.
.
- Most Players Love Braindance Range-https://www.youtube.com/watch?v=KXXGS3MGCro But Some Say Boring
.
- The game is a new definition of what Open World can be and it might change how RPG game.
.
- It's a 100 % RPG game and there is a higher priority shooting system and media comparing that Cyberpunk 2077 is Deus Ex: Mankind Divided and Human Revolution that has been elevated.
.
- Most players love shooting system in this game.
.
- Vehicle has all different control room interior patterns.
.
- You can do a Vigilante mission that helps Night City Police Unit to deal with crime, arrest gangsters and CyberPsychos. It means you can play the role of police in the game.
.
- There's a bounty hunting mission in the game.
.
Cyberpunk 2077 is available on PS4, XB1 and PC on 19 November. Oh my god. This is it.
.
Source: https://www.reddit.com/r/cyberpunkgame/comments/hhmk9t/list_of_observations_by_journalists/
-------------------------------
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NieR Automata reduced to $ 12.59 around 390 baht (Steam). See here-https://bit.ly/2AoY6p7Translated

⬇️⬇️English recipe follows ⬇️⬇️
蕃茄牛肉湯：

材料：
免治牛肉半斤
蕃茄（細）6個
薯仔（大）1個
薑1舊
蒜頭6粒

處理：
1. 蕃茄，清水浸。
2. 薯仔，刨去皮。
3. 蒜頭，去皮。
4. 薑，刮去皮，洗淨。
5. 蕃茄已浸了3分鐘，逐個洗乾淨。
6. 薯仔，1開4。
7. 薑，拍鬆。
8. 蕃茄，1開4。

烹調：
1. 放蕃茄及薯仔落鑊，如果4個人飲，就放6碗水，大火煲滾。
2. 牛肉調味：
a. 生粉1湯匙半
b. 油2湯匙
c. 糖1湯匙
d. 胡椒粉少許
e. 蠔油1湯匙半
3. 水已滾起，轉中火。
4. 滾了5分鐘，放牛肉球。
5. 轉中慢火。
6. 滾了8分鐘，加入2湯匙糖，滾起，完成，可享用。

Beef soup with tomatoes:

Ingredients:
Minced beef 1/2 catty
Tomatoes (small) 6 Nos.
Potatoes (large) 1 No.
Ginger 1 No.
Garlics 6 Nos.

Preparation:
1. Tomatoes, to be soaked in water.
2. Potato, get it peeled.
3. Garlics, get it peeled.
4. Ginger, peel, then rinse.
5. Tomatoes have been soaked in water for 3 minutes. Rinse one by one.
6. Potato, is to be divided into 4 shares.
7. Ginger, beat well.
8. Tomato, to be divided into 4 shares.

Steps:
1. Put tomatoes and potato into pot. If serving for 4, put 6 bowls of water. Heat up at high flame.
2. Season the beef:
a. Tapioca starch 1 1/2 tbsp
b. Oil 2 tbsp
c. Sugar 1 tbsp
d. Pepper little
e. Oyster sauce 1 1/2 tbsp
3. Water has been boiled up. Turn to medium flame.
4. Have already boiled for 5 minutes. Put beef meatballs.
5. Turn to medium ~low flame.
6. Have already boiled for 8 minutes. Add sugar 2 tbsp, waits for boil up. Complete. Serve.

好多朋友想睇我其他影片? 你哋入呢個網址 ?我240多條片?全部可以睇曬?https://goo.gl/cuyAZa
炆牛腩 https://www.youtube.com/watch?v=To7KVPRUqTY&t=1s
苦瓜牛展 https://www.youtube.com/watch?v=OUk5OsJSupY

⬇️⬇️English recipe follows ⬇️⬇️
黑椒牛仔骨：

材料：
牛仔骨1磅
奇異果（青色）1個

調味料：
黑椒

處理：
1. 牛仔骨用清水解凍。
2. 解凍後，清水沖乾淨，擎乾水。
3. 用廚紙索乾。
4. 牛仔骨1開2，切去肥膏。
5. 奇異果1開2。半個奇異果切開4份。
6. 放2粒奇異果落牛仔骨攪勻，醃2小時。
7. 牛仔骨調味：
a. 生粉1茶匙
b. 鮑魚汁1茶匙
c. 糖1茶匙
攪勻，加入黑椒，一塊一塊放上碟，放雪櫃醃1 1/2小時。預備蒸。

烹調：
1. 大火煲滾1鑊水。
2. 大火蒸8分鐘。
3. 完成。

Steam beef short ribs with black pepper:

Ingredients:
Beef short ribs 1 lb
Kiwi (green) 1 No.

Seasoning:
Black pepper

Preparation:
1. Defrost beef short ribs with tap water.
2. Rinse thoroughly after defrost. Hang dry.
3. Dry with kitchen towel.
4. Cut each slice of beef into 2 shares, cut away the beef fat.
5. Cut kiwi into 2 shares. Each share of kiwi is to be divided into 4 cubes.
6. Mix the beef well with 2 cubes of kiwi and season for 2 hours.
7. Season the beef:
a. Tapioca starch 1 tsp
b. Abalone sauce 1 tsp
c. Sugar 1 tsp
Mix well with black pepper. Put the beef on plate one by one. Season for 1 1/2 hours. Get ready for steaming.

Steps:
1. Boil up a wok of water at high flame.
2. Steam beef at high flame for 8 minutes.
3. Serve.

大家入呢個網址 ?我幾佰多條片?全部可以睇曬?https://goo.gl/cuyAZa
牛柳https://goo.gl/cuyAZa絲https://www.youtube.com/watch?v=tZQ-e9Em5u8&t=1s

⬇️⬇️English recipe follows⬇️⬇️
咕嚕煎黃花

材料：
急凍黃花魚1條
蕃茄2個
片糖半塊
茄汁適量
白醋1湯匙
菠蘿（細）1罐

處理：
1. 蕃茄，1開8。
2. 罐頭菠蘿，1開4。
3. 黃花魚，打鱗，除去腸臟，在魚肚每邊打斜3刀。
4. 黃花魚，廚紙索乾。
5. 撲少許生粉在魚身上。

烹調：
1. 大火在鑊中燒熱油4湯匙。
2. 放黃花魚，轉中慢火，繼續煎。
3. 預備咕嚕汁：
a. 菠蘿罐內的糖水
b. 水100毫升
c. 醋1湯匙
d. 片糖半塊
4. 另外，預備生粉芡。
5. 魚的一邊已煎好，反轉煎另一面。
6. 魚已接近煎好，轉大火逼出油分。
7. 兩面已煎至脆身，夾魚在鋪了廚紙的碟上。
8. 洗乾淨鑊。
9. 在鑊中加入菠蘿糖水及水。
10. 加入片糖，開大火煮滾煮溶。
11. 加入蕃茄。
12. 加入茄汁，份量隨意。
13. 加入菠蘿粒。
14. 加入生粉芡，慢慢加入至收汁。
15. 熄火，完成，上碟。

Pan~fried sweet and sour yellow croaker

Ingredients:
Frozen yellow croaker 1 No.
Tomatoes 2 Nos.
Slab sugar half slice
Tomato ketchup appropriate amount
White vinegar 1 tbsp
Pineapple (small) 1 can

Preparation:
1. Tomatoes, 1 tomato is to be divided into 8 shares.
2. Canned pineapple, each slice is to be divided into 4 shares.
3. Yellow croaker, get it scaled, remove its intestines. Slantly cut 3 times on each side of fish.
4. Yellow croaker, dry with kitchen towels.
5. Put little tapioca starch on fish.

Steps:
1. Heat up oil 4 tbsp at high flame in wok.
2. Put fish, turn to medium~low fire, continue frying.
3. Prepare the sweet and sour sauce:
a. Syrup in canned pineapple
b. Water 100ml
c. White vinegar 1 tbsp
d. Slab sugar half slice
4. On the other side, prepare tapioca sauce.
5. One side of fish has been fried well, continue to fry the other side of it.
6. Fish has been almost fried well. Turn to high flame in order to release the oil from fish.
7. Two sides of fish have been fried well. Put the fish on kitchen towel on a plate.
8. Rinse the wok.
9. Pour pineapple syrup and water into wok.
10. Put slab sugar, melt and boil it up at high flame.
11. Put tomatoes.
12. Add tomato sauce, amount just depends on personal taste.
13. Put pineapple cubes.
14. Put tapioca sauce little by little until the sauce becomes thick.
15. Turn off fire. Complete. Serve.

時代轉變 好多時買魚 已經要起超市 就好似呢啲黃花魚 可以煎 可以蒸 大家都要跟住時代走呀
大家入呢個網址 ?我幾佰多條片?全部可以睇曬?https://goo.gl/cuyAZa
香煎三文魚
https://www.youtube.com/watch?v=1axZrUdZEJo&t=20s
冬菇蒸雞
https://www.youtube.com/watch?v=KSPtsETpcFk&t=11s