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“A failure is like fertilizer; it stinks to be sure, but it makes things grow faster in the future.”
– Denis Waitley
bag by @christyngshoes
baju by @ariatikarina
#laylasania #malaysian #lssisters #love #life #music #quotes #laylasaniaqueserasera
“A failure is like fertilizer; it stinks to be sure, but it makes things grow faster in the future.”
– Denis Waitley
bag by @christyngshoes
baju by @ariatikarina
#laylasania #malaysian #lssisters #love #life #music #quotes #laylasaniaqueserasera @ Sime Darby Convention Centre
They say “never settle for less”, so I picked the bread with garlic on top. It stinks, but it’s a healthier choice. Just like most of the decisions we made in life. It stings, but it’s a healthier choice. 😝
this video is sponsored Nordgreen. get 15% of your order with code MIAO!
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hello! it’s been a slow week for me, though my room has definitely improved a lot since my last video hahah but I’m still trying to improve a couple of bad habits. mostly sleep schedule wise ? ( totally not typing this at 2am)
puzzle piece nct music box cover by r3 music box
https://youtu.be/oPh4tE3y9Ic
i finally posted on my instagram
https://instagram.com/__miaoow
my spotify with questionable music taste (drop me some music recs!!!)
https://open.spotify.com/user/staringsunsets?si=7Nm-7go5TUiKqgTF07fgGA
kakao m still stinks!
主持人：楊應超
第一季－第8集：美國大選前的最後布局－外商投資銀行的觀點
節目直播時間：週五 14點
本集播出日期：2020.10.30
⏭ 章節：
00:00 頻道片頭
00:07 開場
00:39 節目片頭
00:57 美國大選前的最後布局–外商投資銀行的觀點
10:20 Q＆A：第七集地產投資–專業和業餘不一樣
17:47 Q＆A：REIT的地產投資可能會多交稅
22:46 Q＆A：好的物業管理公司很重要
35:52 請繼續提問：你活著不是為了工作，祝大家早日達到FIRE財務自由
37:31 節目片尾
📝 名詞補充：
1. Goldman Sachs：美國投資銀行高盛
2. Bank of America Merrill Lynch：美國銀行美林證券
3. Charles Schwab：美國嘉信理財集團
4. Stock Volatility：股市波動
5. GDP Growth：經濟成長
6. 2020 US GDP：US$22.32 trillion (2020 美國經濟預估：22.32兆美金)
7. GLDM：黃金ETF
8. Bob Brinker：美國有名的財經廣播節目主持人，現在已經退休
9. Clark Howard：美國有名的財經廣播節目主持人，現在每天3小時節目
10. Clark Stinks：節目提出主持人講錯的單元
11. Constructive Criticism：有建議性的批評
12. Complain but with solutions：可以提出問題但要同時提出解決方案
13. Cap Rate：現金收益率
14. Airbnb：提供短期出租房屋或房間的服務
15. REIT：Real Estate Investment Trust，不動產投資信託
16. Ordinary tax rate：普通薪水稅率
17. Capital gain tax rate：資本增值稅率
18. House Depreciation：房屋折舊抵稅
19. IRA：Individual Retirement Account，美國的個人退休免稅帳戶
20. 401K：美國公司提供的免稅退休帳戶
21. Geo-Arbitrage：用居住地點來賺差價，退休可以住比較便宜的地方
22. Annuity：退休保險年金
23. Whole Life Insurance：終身人壽保險
24. Term Life Insurance：定期壽險
25. Fine Print：合同下面備註很小字體的條款
26. Insurance Cash Value：保單裡面的現金值
27. Long Term Care Insurance：長期護理保險
📚 參考書訊：《財務自由的人生：跟著首席分析師楊應超學華爾街的投資技巧和工作效率，40歲就過FIRE的優質生活》 https://eslite.me/w24ad
#楊應超 #財務自由 #FIRE
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The Los Angeles Lakers drove a stake into the heart of the Philadelphia 76ers and staked their claim as the NBA's next dynasty.
Led by Shaquille O'Neal, the Lakers won their second straight title with a 108-96 victory in Game Five of the NBA Finals, completing the greatest postseason run in league history.
"A dream come true," O'Neal said. "I always knew we could do it, especially after the first one last year. I just knew that if we did what we were supposed to do that we could get it done."
"Team Shaq" has gone back-to-back, claiming its 13th championship. The Lakers did it by going 15-1, with the lone loss coming in overtime against the 76ers in the opener of this series.
That ended a 19-game winning streak, but O'Neal quickly restored order, powering the Lakers to four straight wins as he claimed his second straight NBA Finals Most Valuable Player award.
"The first championship was just to get the monkey off my back," O'Neal said. "The ones that I get from now on will just be to stamp my name in history -- as far as for myself, as far as for whatever team I'm on."
"It was an unbelievable run for us in the playoffs," said Lakers coach Phil Jackson, who won his eighth championship, one shy of the legendary Red Auerbach. "Their concentration was incredible during this period."
O'Neal collected 29 points and 13 rebounds in the clincher. He manhandled Defensive Player of the Year Dikembe Mutombo, averaging 33 points, 15.8 rebounds and 3.4 blocks in the series.
"His defense is really, I think, one of the keys for us winning," Jackson said. "He was a presence inside, both offensively and defensively."
O'Neal's impact was undeniable. Not only was he an unstoppable post presence, his teammates made a record 36-of-75 3-pointers playing off him.
"I've never seen a player better in my life," 76ers coach Larry Brown said. "I mean that."
"I'm drunk," O'Neal said as he entered the interview room. "A lotta champagne."
It was a lot of O'Neal, but it wasn't all him. It only seemed that way. Philadelphia native Kobe Bryant, -- heavily booed in his hometown throughout the series -- silenced this city with something less than brotherly love.
Bryant had 26 points and 12 rebounds, shaking off a poor first half. He averaged 24.6 points and was outstanding in each of LA's four wins, perfectly complementing O'Neal -- which was not always the case during the season.
"It's a thing in the past," Bryant said. "We'll do our best to try to keep a team effort, keep a community. Hopefully, we won't have to go through what we went through this year, and I don't think we will."
The Lakers did not exactly bury the 76ers. Following the script of the entire series, they allowed a huge lead to dwindle in the fourth quarter before two 3-pointers by Derek Fisher served as dual daggers to the heart the Sixers displayed to the very end.
NBA MVP Allen Iverson scored 37 points despite suffering another injury, this one to his ribs. He averaged 35.6 points in his first Finals and allowed a basketball-crazed city to believe it could topple Tinseltown.
"Allen told me he thought he cracked some ribs," Brown said. "They X-rayed it, I don't know, they didn't find that. It's what that kid's about. He had a phenomenal year.
"And I think being in this environment on this stage, people really recognize what an unbelievable competitor he is and what a great player."
Iverson's competitive spirit got the best of him. He walked off the court as the buzzer sounded, refusing to shake hands. He also blew off the postgame media session when he saw he had to wait for Bryant.
But the "Little Guy" and a big heart were nowhere near enough for the Sixers, who struggled on offense and saw their dogged defense decimated by a dynasty.
"They got our attention during the course of this series," said Jackson.
Injury-infiltrated Philadelphia fought hard in every game, but playing uphill took its toll and the Sixers were pushed back by the 7-2, 330-pound O'Neal, a mountain of a man and the NBA's king of the hill.
"It may not seem like I'm happy on my face," O'Neal said in the interview room. "I'm also greedy and I'm not done."
"Shaq has got more in him," Jackson said. "I expect him to have more than two championships before he's finished with this game."
Rick Fox scored 20 points for the Lakers and Fisher added 18, all on 3-pointers. LA made 12-of-17 from the arc, devastating the double-teams the Sixers ran at O'Neal.
Philadelphia's Tyrone Hill had his best postseason game with 18 points and 13 rebounds. Mutombo added 13 and 11 before fouling out and Eric Snow had 13 and 12 assists.
"They came out and proved to the world that they were a defending champion," Mutombo said.
Bryant scored seven quick points early in the final period to give the Lakers a 92-74 lead. But the Sixers would not allow any early celebration, putting together another of their patented pushes.
Hill's jumper made it 93-84 with 5:24 to play but Fisher drilled a 3-pointer. Mutombo fouled out with 3:41 left, but Philadelphia kept coming as Hill's three-point play cut the deficit to 100-92 with 1:51 to go.
Snow's free throw got it a point closer, but Fisher made another from the arc to seal it with 51 seconds left. Brown pulled his weary warriors off the floor to a standing ovation that lasted until the final horn as tears welled in Iverson's eyes.
Right before tip-off, the video scoreboard showed a hilarious cartoon that depicted O'Neal as a building-crushing monster before Iverson emerged as "Underdog" to save the day.
That got the crowd going and Snow's return to the starting lineup sparked the Sixers to their first opening-quarter lead of the series, 27-24. Mutombo held O'Neal relatively in check, Snow ran the offense and Iverson scored 11 points.
Iverson also collected three fouls, going hard to the floor after a collision with Bryant with 42 seconds to go. He began the second quarter on the bench with an ice pack on his right side and spent the early part of the period trying to stretch it out while missing three straight shots.
Meanwhile, O'Neal and the Lakers found some rhythm. Robert Horry made his seventh straight 3-pointer to pull LA into a 29-29 tie and O'Neal scored eight points in less than three minutes, including a short jumper that gave the Lakers the lead for good at 36-34 with 7:57 remaining.
O'Neal dropped in an alley-oop pass from Fox and Bryant sank a 3-pointer to extend the lead to 49-40 with 3:43 left before Iverson found his stroke again. He scored six quick points to get the Sixers back in it.
The Lakers led 52-48 at halftime behind 17 points by O'Neal and six 3-pointers. Iverson scored 19 points.
Bryant, who shot 2-of-10 in the first half, got untracked as the Lakers widened the gap in a foul-filled third quarter. He scored eight points and set a tone by going to the basket and attacking the offensive boards.
O'Neal and Matt Geiger had a staredown and received technical fouls. Bryant heard the "Kobe (stinks)" chants once again, but a 3-pointer by Fisher silenced the crowd and gave LA a 78-66 advantage with 2:24 to play. The Lakers led 83-68 entering the final period.
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