關於 paid off意思 ，我們在網路上蒐集到這些相關的討論、資訊與評價

🌻另一個Zoom會議(第二次貼......有補上一些內容)
繼上次的年報導讀會議後, 讓我們再做另一個會議! 這次很榮幸邀請到一位對估值很有見解的股友前輩來帶大家了解估值(恩, 這次我會是主持人, 不是主講人).
主題: 估值(valuation)分享會(Cat: 這不算基礎的估值會議)
主講人: 小揚(from安泰價值投資)
https://www.facebook.com/antaiinvestment　(此為小揚的粉絲頁)
參與者: 具基本估值能力. 若打算參加者, 請事先跟我(請私訊)提出一個關於估值的case study, 到時候可在會議中分享(最好是以投影片形式呈現, 這樣到時候好跟大家分享). 若有估值的問題, 也可以提出.
Case study可以是美股, 也可以是台股.
時間: 台灣時間07/10 (周六)晚間９點.
預計一個小時(不會像上次那樣冗長了😅): 前30分鐘由小揚做分享, 後30分鐘大家分享估值案例&提問
進行方式: 以Zoom進行(之後會私訊會議資訊給參與者)

🌻Morgan Stanley Mid-year Investor Outlook: A tricky transition

https://www.morganstanley.com/ideas/midyear-2021-global-markets-outlook

🌻在您投資生涯中, 有沒有一些觀念讓您受用很多?
下面這位投資名人的好觀念影響我很深. 他的意思是, 一般投資人, 只要能説出三個買一家公司的理由, 就很夠了. 這也迫使我, 每次在買股票時, 問自己對這家公司的了解有多少. 也會去衡量公司的優點與缺點在哪裡.

"It is vital (重要的) that you know what you own, that if I asked you on the street why you like a certain stock, you can give me three reasons. If you don't know how they make their money, who their key clients are and what they make if, then I will tell you that you are over your head and should not own individual stocks."

全文在此:
Jim Cramer: In Times Like This, Go for the Easy Money
Look at the stocks you own. Can you tell me why you've got them? If you can't answer the following three questions, then have a look at several I like right now.

We've endured the meme stock craziness, with all of its love for heavily shorted stocks. We have watched the collapse of bitcoin to levels viewed as shocking, even if they are still more than double where they were not that long ago. We've dealt with Fed officials making it clear that they are no longer on the side of the bulls or the bears. They are on the side of job growth, but are wary of inflation. We've seen the end of the rush to get vaccines, which means that millions of people are going to get the new COVID variant, because there is no natural immunity to it. We've watched as the hopes for an infrastructure bill have collapsed. We've endured shortages of everything from chips to plastic to imported goods and labor.

And we're still standing, yeah, yeah, yeah.

Yep, we are in one of those halcyon moments, where the masks are off -- even if they shouldn't be -- and Americans are back doing what they do best: consume, spend, go out to eat and then consume and spend some more.

There are times in the stock market where the collective mindset is revealed. This is one of those times: Things are cool, it's not a big moment, there's no real news for a bit, it's the historically strong period and we can reach some conclusions about where we are.

When things are like this, it is important to remember that buyers like to revert to tried-and-true companies that thrive no matter what. These are companies that have an edge and are better at what they do than other companies.

You know that I am a great believer in index funds, that the average person doesn't have the time or the inclination to research individual stocks. It's a difficult barrier. I think you need to make time to read the quarterly report and listen to the conference call, to Google articles and, if possible, get some research about the companies you own. It is vital that you know what you own, that if I asked you on the street why you like a certain stock, you can give me three reasons. If you don't know how they make their money, who their key clients are and what they make if, then I will tell you that you are over your head and should not own individual stocks. I am reminded by this, because, once again, without a mask, I can be recognized and if I am not holding "Nvidia the Second," I can carry on a conversation.

I have had many in the last two weeks and when I have asked this litany of questions, I find myself at a loss as to why almost no one knew what they owned. But they thirsted for individual stocks, because they, like me, think things are better post pandemic. No, that's not a facetious comment. Many, many stocks did better with a stay-at-home economy. A huge number.

So what do I do? I revert to what others do when you are stumped about how to stay in touch with stocks, but want to do less homework. That means buying stocks that are accessible, not stocks like Unity (U) or Snowflake (SNOW) or Twilio (TWLO) or Okta (OKTA) .

I revert to normal businesses people know and I suggest they Google some articles, peruse the conference call, but, above all, like the company's products so you can buy more if it goes down.

Here's some that I have been telling people I like:

First is Ford (F) . I think the Ford lineup is amazing. The electric F-150 series will be incredible. I am eager to get a Maverick for my family, because it is a smaller pickup that will get the job done for the myriad little things I need to do with this farm I bought from that crazy bitcoin foray. I like the competitive edge of the CEO, who says he is going to bury Elon Musk when the Lightning comes out. I even think the Bronco is cool as all get out. Most important, though? I think the chip shortage is ending. My semiconductor friends are telling me the foundries are producing more feature-rich chips and that means Ford can pump out the trucks small business people love and need. Plus, the used car prices at last have plateaued, according to their most important pricing index. Halcyon times.

Second, Costco (COST) : The samples are coming back. Tell me you don't love the samples. You need things in bulk. You want low prices. You want to get all of the things that people don't think of with Costco, like insurance, hearing-aids -- hey, they are a fortune -- jewelry, things around the house. You go and you will buy far more than you first came for. My kind of store.

The kids love this American Eagle Outfitters (AEO) , which we just bought for my charitable trust, which you can follow along by joining the Action Alerts PLUS club. Jay Schottenstein, the CEO, came on "Mad Money" recently and it's clear that his Aerie model has real staying power: 26 consecutive quarters of double digit growth. No flash in the pan, that one. Number one brand in jeans for the 15 to 25 year old group. The best in the mall. How did I know this? I see the credit card bills.

I got up this morning to do my physical therapy. I have been doing it ever since I hurt my back in February. I have this really cool pair of sneakers that fit me perfectly and I love them, but I am fortunate enough to have a vacation house and I am always taking those shoes with me.

So I went on Amazon (AMZN) this morning and lo and behold I saw them for half price. I bought two pairs. Then I went over everything I have bought in the last year and got a bunch of those things. Then I bought a pair of binoculars, because mine were stolen. I paid half price.

Yep, Amazon's universal. I was talking to Alexa, while I was ordering, getting some new music on, asking questions. I saw that despite all of the Sturm und Drang of Amazon being late with things, all the delivery dates were within range. I didn't click on any ads, and I didn't need the speed of Web Services, but the whole thing reminded me about how special the darned company is. I don't care if it's ahead or behind plan for the moment. I would just buy some more when it goes down.

Finally, Apple (AAPL) . I think people who don't own Apple should look what they are holding at this very moment. Yes, right now. Or look at what's in your lap or on the table besides your fork. And then think about the bill you paid last night without knowing it. Think about what you bought in the App store yesterday. Think about what would happen if it would break or get stolen or, left in the Uber (UBER) , or heaven forbid, be dropped into the pool or in the, yes, toilet.

There, that's what you buy in halcyon times. Stocks of companies you know that if they go lower, because things get less halcyon, you are fine with it and buy more. If things go up, believe me, you will participate.

So accept the moment. Don't try for the hard money. Go for the easy kind. That's the best kind.

https://realmoney.thestreet.com/jim-cramer/jim-cramer--15692051

Picture: 牡丹(peony)花開. 恨不得院子裡有一塊地是牡丹園.

【每日國際選讀】
#文末挑戰多益選擇題📝

疫情生活更需要智慧，先從添購家電開始！

開啟「接收通知」和「搶先看」每天吸收雙語時事新知
來讀華爾街日報獨家


🔥The pandemic prompted my editor, Wilson Rothman, to buy a $500 Breville Bambino Plus as a replacement for his wife's $5-a-day Starbucks habit. The cost of the automated espresso maker/milk frother combo—equivalent to three or four months of daily latte runs—will be effectively paid off soon, he said.
我的編輯羅斯曼（Wilson Rothman）因為這場大流行病購買了500美元的Breville Bambino Plus咖啡機，以替代妻子每天花5美元在星巴克喝咖啡的習慣。他說，自動濃縮咖啡機和奶泡器的成本，相當於連續三到四個月每天買一杯拿鐵，這個投資很快就能回本。

-prompt: 促使、因為某事而做出行為
-replacement: 替代
- milk frother：奶泡器
-equivalent to: 相當於


🥣During the height of the lockdowns, his wife didn’t have to risk exposure—and she might never need to hit Starbucks again. A Breville spokesman reported a steady increase in coffee and espresso machine sales during the pandemic.
在疫情高峰期，他的妻子不必冒著被感染的風險，而且她可能再也不需要去星巴克了。Breville公司一位發言人說，在大流行病期間，咖啡和濃縮咖啡機的銷售穩步增長。

-during/ at the height of: 在…的高峰、巔峰期
-exposure: 暴露，此處指「被感染」
-steady: 穩定的、穩健的


🥫Preparing three meals a day can be stressful, particularly with children at home full-time, unable to attend school or camps. Smart ovens, which offer convenience and precision, have become gadget go-tos. One, the Tovala smart steam oven, combines preprogrammed cooking options with a $12-a-meal delivery program.
每天都要準備三餐可能會很有壓力，尤其是當孩子們無法去上學或去夏令營而全天待在家裡的時候。方便和精準的智慧烤箱已成為首選。其中一款是Tovala智慧蒸汽烤箱，結合了預先編程的烹飪選項和12美元一餐、標準的半成品餐品遞送。

-precision: 精準
-gadget: 裝置、小物件
-go-to: 尋求協助的；有專業知識或高超技術的，此處有「首選」的意思。
✍常見句：When it comes to photography, he is the go-to person. 一談到攝影，他可是行家。


🍝After a quick scan using the device’s onboard scanner, the appliance can quickly cook the company’s fresh prepared meals, or hundreds of frozen foods from brands like Trader Joe’s and Amy’s. “Demand for meals, oven usage, usage of frozen grocery products, all of it is up,” said Tovala CEO David Rabie.
使用該設備的內置掃描儀進行快速掃描後，該設備可以快速烹飪公司事先準備好的新鮮食物，或是數百種來自Trader Joe's和Amy's等各大品牌的冷凍食品。「餐品需求、烤箱使用和超市冷凍食品需求都在增加，」Tovala首席執行長拉比（David Rabie）說。

-appliance: 設備
-Demand is up. 需求上升



未完待續...
智慧家電到底要多智慧？
加入文末每日國際選讀計畫，解鎖完整語音導讀版

——
原文連結請看留言
——

❓❓多益模擬題❓:
People aren’t just ＿＿＿ to smarter coffee equipment—smart ovens are having their ＿＿＿, too.

🙋🏻‍♀️🙋🏼‍♀️
A. upgrading/ moment
B. lifting/ time
C. elevating/ second
-
【每日商業英文計畫，熱烈招生中！】
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「留言+1」，就送你 #優惠碼 及 #導讀試聽！

[時事英文] 新冠病毒將如何改變教育？

How will the coronavirus change education?

No one knows for sure, but some schools have begun switching entirely to online programs. Just yesterday, Stanford University announced that it will move all of its classes online.

沒有人確切知道，但一些學校開始全面轉換成線上教學。就在昨天，史丹佛大學宣布將所有課程移至線上。

★★★★★★★★★★★★

The coronavirus has forced at least nine countries, as well as countless provinces, cities and towns, to close schools in an effort to contain the outbreak’s spread. Hundreds of millions of students around the globe are now out of school in China, South Korea, Iran, Italy, Japan, France, Pakistan and elsewhere.

1. in an effort to 致力於
2. contain the outbreak’s spread 控制疫情的傳播

冠狀病毒迫使至少九個國家，以及數不清的省市鄉鎮停課來控制疫情傳播，類似的混亂和干擾在世界各地蔓延。在中國、韓國、伊朗、義大利、日本、法國、巴基斯坦和其他地方，全球有數億學生無法上學。

★★★★★★★★★★★★

It is a grand social experiment with little parallel in the modern era of education. Schools and the school day help provide the structure and support for families, communities and entire economies. And the effect of closing them for weeks and sometimes months en masse could have untold repercussions for children and society at large, transcending geographies and class.

3. a grand social experiment 這是一場宏大的社會實驗
4. with little parallel 幾乎沒有同情況發生過
5. the modern era of education 現代教育領域
6. en mass 一起，全體
7. have untold repercussion 無法估量的影響
8. at large 普遍地，全體地
9. transcend 超越，超過，超出（尤指界限）

這是一場宏大的社會實驗，在現代教育領域可說史無前例。學校和去上學的日子有助於為家庭、社區和整個經濟提供架構和支撐。將學校關閉數週甚至數月，可能會對孩子乃至整體社會產生無法估量的、超越地域和階層的影響。

★★★★★★★★★★★★

Older students have missed crucial study sessions for college admissions exams, while younger ones have risked falling behind on core subjects like reading and math. Parents have scrambled to find child care or to work from home. Families have moved children to new schools in areas unaffected by the coronavirus, and lost milestones like graduation ceremonies or last days of school.

10. crucial study session 重要學習環節
11. college admission exam 大學入學考試
12. scramble to find 爭先恐後地尋找
13. milestones 里程碑

年齡較大的學生錯過了大學招生考試的重要學習環節，年紀較小的學生有可能在閱讀和數學等核心科目上落後。父母們爭先恐後地尋找兒童看護或在家工作。一些家庭把孩子轉學到未受新冠病毒影響地區的新學校，也有的錯過了畢業典禮或最後幾日校園生活等重大事件。

★★★★★★★★★★★★

All of this is compounded for families who do not have the financial means or professional flexibility, forcing parents such as Ms. Gao to take unpaid leave, or leaving students indefinitely without an educational backstop.

14. compound (v) 使加重，使加劇，使惡化
15. financial means 經濟能力
16. an educational backstop 教育支持

對於沒有經濟能力或缺乏職業彈性的家庭來說，這一切都是雪上加霜，迫使高夢賢這樣的父母無薪休假，或者讓學生無限期地得不到教育支持。

★★★★★★★★★★★★

Governments are trying to help. Japan is offering subsidies to companies to help offset the cost of parents taking time off work. France has promised 14 days of paid sick leave to parents of children who must self-isolate, if they have no choice but to watch their children themselves.

17. offer subsidy 提供補助
18. offset the cost 抵銷成本
19. paid sick leave 帶薪病假
20. self-isolate 自我隔離
21. no choice but to... 別無選擇只能...

各國政府正試圖提供幫助。日本向企業提供補貼，幫助抵消父母請假的成本。法國承諾，如果孩子必須自我隔離，而父母別無選擇只能自己照顧孩子時，他們將享受14天的帶薪病假。

★★★★★★★★★★★★

But the burdens are widespread, touching corners of society seemingly unconnected to education. In Japan, schools have canceled bulk food delivery orders for lunches they will no longer serve, affecting farmers and suppliers. In Hong Kong, an army of domestic helpers have been left unemployed after wealthy families enrolled their children in schools overseas.

22. touch every corner of society 觸及社會的各個角落
23. seemingly unconnected 看似無關的
24. cancel bulk food delivery order 取消批量食物配送的訂單
25. no longer serve 不再供應
26. domestic helper 家庭幫傭

但這種負擔是普遍存在的，觸及全社會似乎與教育無關的各個角落。在日本，學校不再供應午餐，因此取消了批量食品配送訂單，影響了農民和供應商。在香港，富裕家庭將子女送到海外學校就讀，大批家佣失業。

★★★★★★★★★★★★

School and government officials are doing their best to keep children learning — and occupied — at home. The Italian government created a dedicated webpage to give teachers access to videoconference tools and ready-made lesson plans. Almost two dozen Mongolian television stations are airing classes. Iran’s government has worked with internet content providers, such as Iran’s version of Netflix, to make all children’s content free.

27. give access to 有管道可以
28. videoconference tools 影片會議工具
29. ready-made lesson plans 現成的教案
30. air (v.) classes 播出課程
31. internet content providers 互聯網內容提供商

學校和政府官員正在盡最大努力讓孩子們在家裡學習，並且有事可做。義大利政府創建了一個專門的網頁，讓教師可以使用影片會議工具和現成的教案。蒙古的20多家電視台進行電視教學。伊朗政府與互聯網內容提供商（比如伊朗版Netflix）合作，免費提供所有兒童內容。

★★★★★★★★★★★★

Even physical education takes place: At least one school in Hong Kong requires students — in their gym uniforms — to follow along as an instructor demonstrates push-ups onscreen, with the students’ webcams on for proof.

32. physical education 體育(課)
33. follow along 跟著做

甚至還有體育課：在香港，至少有一所學校要求學生穿著運動服，跟著螢幕上老師的演示做俯卧撐，並且打開學生的網路攝像頭以提供證據。

★★★★★★★★★★★★

The offline reality of online learning, though, is challenging. There are technological hurdles, as well as the unavoidable distractions that pop up when children and teenagers are left to their own devices — literally.

34. technological hurdles 技術上的障礙
35. unavoidable distractions 不可避免的令人分神的事物
36. leave sb to their own devices 讓（某人）自行決定
37. literally 字面意思上的

然而，在線學習的線下實現情況很有挑戰性。有技術上的障礙，以及當兒童和青少年不受管束地自行使用設備時，也不可避免地會分心。

★★★★★★★★★★★★

The new classroom at home poses greater problems for younger students, and their older caregivers. Ruby Tan, a primary school teacher in Chongqing, a city in southwestern China that suspended schools last month, said many grandparents were helping with child care so that the parents can go to work. But the grandparents do not always know how to use the necessary technology.

38. pose greater problems 造成更大的麻煩
39. caregivers看護者，護理員

家庭教室給年幼的學生和照顧他們的長輩帶來了更大的麻煩。上個月，中國西南部城市重慶一所停課小學的老師露比·譚(Ruby Tan)說，很多家庭是祖父母幫忙照顧孩子，讓父母去上班。但祖父母並不總是知道如何使用必要的技術。

★★★★★★★★★★★★

Entire industries and businesses that rely on the rituals of students going to school and parents going to work are also being shaken. School administrators in Japan, caught off guard by the abrupt decision to close schools, have rushed to cancel orders for cafeteria lunches, stranding food suppliers with piles of unwanted groceries and temporarily unneeded employees.

40. rely on 依賴
41. be shaken 陷入恐慌
42. be caught off guard 使（某人）措手不及；趁（某人）不警惕時（做某事）
43. an abrupt decision 突然的決定
44. rush to 倉促去
45. strand 擱淺；處於困境

依靠學生上學、父母上班這個日常狀態的行業和企業也陷入恐慌。日本的學校行政人員對關閉學校的突然決定感到措手不及，他們急忙取消食堂午餐的訂單，使食品供應商面臨一大堆不需要的食品和暫時不需要的員工。

★★★★★★★★★★★★

To blunt the economic effects of the coronavirus, Japan’s government is offering financial help to parents, small businesses and health care providers. But school lunch officials said they had not heard about compensation for their workers.

46. blunt (v.) economic effects 削弱經濟影響
47. offer financial help 提供財政協助
48. small business owners 小型企業主
49. health care providers 健保提供者

為了抑制冠狀病毒的經濟影響，日本政府正在向家長、小型企業和醫療保健提供者提供財務支持。但是學校午餐官員說，他們還沒有聽說關於他們的工人的補償。

★★★★★★★★★★★★

完整報導: https://nyti.ms/2uZAowG

史丹佛大學改採線上授課: http://bit.ly/3cIaAGk

圖片來源: https://econ.st/2Iui1mO

★★★★★★★★★★★★

保健心智圖: https://goo.gl/seqt5k

保健相關單字: https://wp.me/p44l9b-Tt (+mp3)

時事英文大全: http://bit.ly/2WtAqop

★★★★★★★★★★★★

教育時評: http://bit.ly/39ABON9

「我下午休假哦」 英文怎麼說？
快要九月了，你今年的特休用完了嗎？
那 "特休”、"病假“ 、"事假“ 的英文怎麼說？
還有美國人在公司要休假會說的縮寫 PTO，是什麼意思呢？
這一集的文化閒聊，
Duncan 跟我們聊美國的休假文化，結果我們發現，
美國的法定特休居然是 xx 天～跟我們原本想的不大一樣 XD，
快來聽這一集內容，聽聽看年底到了特休要怎麼用的英文怎麼說。

快速幫你複習一下這集的主題句 ＆ 單字：

我下午休假哦
I'm taking the afternoon off. / I took the afternoon off.
I'm taking tomorrow off./ I'm taking the day off tomorrow.

補充學習
days/leave 這兩個字可以替換
特休
vacation days
病假
sick days
事假
personal leave
請一個小時 Take off an hour
PTO = Paid Time Off 有薪水的休假

如果你想複習詳細版的主題句＆單字，歡迎來我們學英文吧的網站！（愛心）
學英文吧網站 https://ivybar.com.tw/?c=3
或追蹤 iVY BAR 學英文吧的 IG，上面圖文版 podcast 複習也很棒喔！https://pse.is/39vede
現在我們也有影音版的 Podcast 實境秀喔 https://pse.is/3ahupl

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太耐冇拍chit chat...剪片先知道原來自己講野超級無敵快！唔好意思 XD
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Dr Mul Collagen Plus+ Rejuvenating Serum*
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Polaroid Zip Printer (Get $10 off your order)
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因此系列以功能分集數，所以今集會較多試用！不好意思！！！

Products Mentioned:
【試用】Glamourflage Honey Repairwear Lift Mask $320
【試用】Glamourflage Satin Sally Sleep Mask $270
【自購】B&SOAP Scadi White Wash Off Pack ~$60 from Bonjour
【自購】Bonanza 寶藝 酵素冷膜 $220 from myprincessyoyo
【試用】EJG Age Defying Cold Mask $138 from myprincessyoyo
【自購】MEDIHEAL W.H.P. Shower Capping Pack $18/pack from Sasa
【試用】LOVEISDERMA VC+ Whitening Gelly Masque $198
FYI : http://www.leaf1000.com/eshop/loveisderma-lowgm500-.html?search=loveisderma





Disclaimer : I am not paid to making this video.

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