關於 it's not the case中文 ，我們在網路上蒐集到這些相關的討論、資訊與評價

🌻[新書介紹]"從0開始打造財務自由的致富系統：暢銷10年經典「系統理財法」，教你變成有錢人"

這陣子一些個股的飆法, 是不是讓您覺得賺錢很容易呢? 這並不是常態, 所以正確的投資與理財觀念很重要. 也請不要認為這樣(買這些飆股)能一夕致富喔.

今天要介紹的一本書, 就是作者藉由分享自己的理財方式, 希望讀者能夠參考自己的方法, 來有系統地打造一個理財計劃.

我年紀不小了, 所以不是這本書的主要目標族群😅, 不過倒挺建議剛入社會, 或是年輕人看看, 說不定會從裡面得到一些啟發. 你不理財, 才不理你. 如果能從年輕時開始擬定適合自己的理財計劃, 並養成習慣, 好好執行, 那財富指日可待!

柏客來網站:
https://www.books.com.tw/products/0010882103?loc=P_0004_053

🌻Fidelity Contrafund的Will Danoff訪談摘要
很扎實, 有內容的一篇訪談. 雖然不少內容都已經在自己的實作上了, 但有從他的談話中應證了以前的一些想法, 於是還是整理了一下筆記(不過也不是完全100%同意他的觀點就是(有寫在下方))
https://makingsenseofusastocks.blogspot.com/2021/01/fidelity-contrafundwill-danoff.html

🌻Microsoft(MSFT)財報結果
節錄CNBC的重點:
1. Azure revenue growth accelerated and came in above analysts’ expectations for the quarter.
2. Sales of new Xbox consoles didn’t hurt the margin of the Windows business as much as analysts had expected.
3. Revenue guidance for the company quarter beat expectations.

CEO的話:「過去1年裡，我們見證了席捲每家公司和每個行業的第2波數位化轉型的曙光。」
(中文文字來源: https://tw.appledaily.com/property/20210127/YQPVSZAXC5HV5GFAWVZACAT5QQ/)
原文: What we are witnessing is the dawn of a second wave of digital transformation sweeping every company and every industry. Digital capability is key to both resilience and growth. It's no longer enough to just adopt technology. Businesses need to build their own technology to compete and grow. Microsoft is powering this shift with the world's largest and most comprehensive cloud platform.

官方財報新聞稿連結: https://www.microsoft.com/en-us/Investor/earnings/FY-2021-Q1/press-release-webcast

🌻沒太follow ARK的新聞, 不過最近連續有三個媒體在報導. 這些基金對我來說, 算是動能投資的操作方式. 若碰到修正, 會拉回很多. 供參.
https://www.cnbc.com/2021/01/22/cramer-worries-about-investors-mimicking-ark-invests-cathie-wood.html
https://www.barrons.com/articles/ark-etfs-might-be-too-popular-for-their-own-good-51611234009
https://www.wsj.com/articles/the-story-behind-the-markets-hottest-funds-thematic-etfs-arkg-vegn-11610722419

🌻關於SPAC
高盛：美股的確已有泡沫現象 SPAC火熱
https://news.cnyes.com/news/id/4562981

GS的CEO在財報上也有提到SPAC: Goldman Sachs warned of the risks in SPACs"I do think SPACs is a good use case, versus a traditional IPO, and advantages for sellers and for investors and looking at this ecosystem. But the ecosystem is not without flaws. I think it's still evolving. I think the incentive system is still evolving. One of the things we're watching very, very closely is the incentives of the sponsors, and also the incentives of somebody that selling. And while I think these activity levels continue to be very robust, and that they do continue as we head into 2021 continue to be very, very robust. I do not think this is sustainable in the medium term...things I certainly think is the case is you have something here it's a good capital markets innovation. But like many innovations, there's a point in time as they start, where they have a tendency, maybe to go a little bit too far, and then need to be pulled back or rebalanced in some way. And that's something my guess is we'll see over the course of 2021 or 2022, with SPAC" - Goldman Sachs (GS) CEO David Solomon

Pictures來源: 出版社提供; https://www.cnbc.com/2021/01/26/microsoft-msft-earnings-q2-2021.html

今早為Asian Medical Students Association Hong Kong (AMSAHK)的新一屆執行委員會就職典禮作致詞分享嘉賓，題目為「疫情中的健康不公平」。
感謝他們的熱情款待以及為整段致詞拍了影片。以下我附上致詞的英文原稿：

It's been my honor to be invited to give the closing remarks for the Inauguration Ceremony for the incoming executive committee of the Asian Medical Students' Association Hong Kong (AMSAHK) this morning. A video has been taken for the remarks I made regarding health inequalities during the COVID-19 pandemic (big thanks to the student who withstood the soreness of her arm for holding the camera up for 15 minutes straight), and here's the transcript of the main body of the speech that goes with this video:

//The coronavirus disease 2019 (COVID-19) pandemic, caused by the SARS-CoV-2 virus, continues to be rampant around the world since early 2020, resulting in more than 55 million cases and 1.3 million deaths worldwide as of today. (So no! It’s not a hoax for those conspiracy theorists out there!) A higher rate of incidence and deaths, as well as worse health-related quality of life have been widely observed in the socially disadvantaged groups, including people of lower socioeconomic position, older persons, migrants, ethnic minority and communities of color, etc. While epidemiologists and scientists around the world are dedicated in gathering scientific evidence on the specific causes and determinants of the health inequalities observed in different countries and regions, we can apply the Social Determinants of Health Conceptual Framework developed by the World Health Organization team led by the eminent Prof Sir Michael Marmot, world’s leading social epidemiologist, to understand and delineate these social determinants of health inequalities related to the COVID-19 pandemic.

According to this framework, social determinants of health can be largely categorized into two types – 1) the lower stream, intermediary determinants, and 2) the upper stream, structural and macro-environmental determinants. For the COVID-19 pandemic, we realized that the lower stream factors may include material circumstances, such as people’s living and working conditions. For instance, the nature of the occupations of these people of lower socioeconomic position tends to require them to travel outside to work, i.e., they cannot work from home, which is a luxury for people who can afford to do it. This lack of choice in the location of occupation may expose them to greater risk of infection through more transportation and interactions with strangers. We have also seen infection clusters among crowded places like elderly homes, public housing estates, and boarding houses for foreign domestic helpers. Moreover, these socially disadvantaged people tend to have lower financial and social capital – it can be observed that they were more likely to be deprived of personal protective equipment like face masks and hand sanitizers, especially during the earlier days of the pandemic. On the other hand, the upper stream, structural determinants of health may include policies related to public health, education, macroeconomics, social protection and welfare, as well as our governance… and last, but not least, our culture and values. If the socioeconomic and political contexts are not favorable to the socially disadvantaged, their health and well-being will be disproportionately affected by the pandemic. Therefore, if we, as a society, espouse to address and reduce the problem of health inequalities, social determinants of health cannot be overlooked in devising and designing any public health-related strategies, measures and policies.

Although a higher rate of incidence and deaths have been widely observed in the socially disadvantaged groups, especially in countries with severe COVID-19 outbreaks, this phenomenon seems to be less discussed and less covered by media in Hong Kong, where the disease incidence is relatively low when compared with other countries around the world. Before the resurgence of local cases in early July, local spread of COVID-19 was sporadic and most cases were imported. In the earlier days of the pandemic, most cases were primarily imported by travelers and return-students studying overseas, leading to a minor surge between mid-March and mid-April of 874 new cases. Most of these cases during Spring were people who could afford to travel and study abroad, and thus tended to be more well-off. Therefore, some would say the expected social gradient in health impact did not seem to exist in Hong Kong, but may I remind you that, it is only the case when we focus on COVID-19-specific incidence and mortality alone. But can we really deduce from this that COVID-19-related health inequality does not exist in Hong Kong? According to the Social Determinants of Health Framework mentioned earlier, the obvious answer is “No, of course not.” And here’s why…

In addition to the direct disease burden, the COVID-19 outbreak and its associated containment measures (such as economic lockdown, mandatory social distancing, and change of work arrangements) could have unequal wider socioeconomic impacts on the general population, especially in regions with pervasive existing social inequalities. Given the limited resources and capacity of the socioeconomically disadvantaged to respond to emergency and adverse events, their general health and well-being are likely to be unduly and inordinately affected by the abrupt changes in their daily economic and social conditions, like job loss and insecurity, brought about by the COVID-19 outbreak and the corresponding containment and mitigation measures of which the main purpose was supposedly disease prevention and health protection at the first place. As such, focusing only on COVID-19 incidence or mortality as the outcomes of concern to address health inequalities may leave out important aspects of life that contributes significantly to people’s health. Recently, my research team and I collaborated with Sir Michael Marmot in a Hong Kong study, and found that the poor people in Hong Kong fared worse in every aspects of life than their richer counterparts in terms of economic activity, personal protective equipment, personal hygiene practice, as well as well-being and health after the COVID-19 outbreak. We also found that part of the observed health inequality can be attributed to the pandemic and its related containment measures via people’s concerns over their own and their families’ livelihood and economic activity. In other words, health inequalities were contributed by the pandemic even in a city where incidence is relatively low through other social determinants of health that directly concerned the livelihood and economic activity of the people. So in this study, we confirmed that focusing only on the incident and death cases as the outcomes of concern to address health inequalities is like a story half-told, and would severely truncate and distort the reality.

Truth be told, health inequality does not only appear after the pandemic outbreak of COVID-19, it is a pre-existing condition in countries and regions around the world, including Hong Kong. My research over the years have consistently shown that people in lower socioeconomic position tend to have worse physical and mental health status. Nevertheless, precisely because health inequality is nothing new, there are always voices in our society trying to dismiss the problem, arguing that it is only natural to have wealth inequality in any capitalistic society. However, in reckoning with health inequalities, we need to go beyond just figuring out the disparities or differences in health status between the poor and the rich, and we need to raise an ethically relevant question: are these inequalities, disparities and differences remediable? Can they be fixed? Can we do something about them? If they are remediable, and we can do something about them but we haven’t, then we’d say these inequalities are ultimately unjust and unfair. In other words, a society that prides itself in pursuing justice must, and I say must, strive to address and reduce these unfair health inequalities. Borrowing the words from famed sociologist Judith Butler, “the virus alone does not discriminate,” but “social and economic inequality will make sure that it does.” With COVID-19, we learn that it is not only the individuals who are sick, but our society. And it’s time we do something about it.

Thank you very much!//

Please join me in congratulating the incoming executive committee of AMSAHK and giving them the best wishes for their future endeavor!

Roger Chung, PhD
Assistant Professor, CUHK JC School of Public Health and Primary Care, @CUHK Medicine, The Chinese University of Hong Kong 香港中文大學 - CUHK
Associate Director, CUHK Institute of Health Equity

海洋是個廣闊無窮的美麗好地方，蘊涵著無數的驚奇，除了承載著海洋生態以外，陸地生態也與之息息相關。我們的海洋調節著氣候、氧氣、溫度。人類需要海洋才得以生存。

很不幸的，由於我們的疏失，海洋現在需要我們的幫助。氾濫的塑膠垃圾、海水溫度上升、過渡捕撈、海洋酸化、工業與農業用化學品排放海中等等。基本上，所有的海洋生物都的生存都受到了威脅。這不是杞人憂天，而是現在進行式的事實。

我學習PADI 潛水課程的原因，因為淺層海水生態系在滅絕。珊瑚白化，魚兒都被捕撈走了，表層海水了無生氣不像過去那般值得探索，想看看海中生態，需要進入更深的水中，這是全世界都面臨的問題，在台灣，同樣的危機也在發生。

時間尚未太晚，生命富有韌性。海洋尚存一線生機，但還能撐多久？我建議大家安排一趟旅程看看水下的世界，理由如下：

1）時間所剩無幾，海洋正在產生劇變，現在會是短期可預見的未來中，您有機會見到的最佳海洋樣貌。現在上路吧！當我們還看得到些什麼的時候。

2）看看海洋的真實樣貌，或許能改變您對消費以及丟棄產品的想法，或許能改變您對社會及經濟運作方式想法，我們該如何衡量價值？若每一位CEO以及政治人物都被要求潛入海中看看，或許這世界有機會變得不一樣！

我這次去了小琉球學水肺潛水。小琉球除了很簡單容易到之外，因地理位置關係，水溫及浪況整年都適合潛水。我的教練是NEMO，他很專業也很注重安全細節，而且中文、英文都沒問題。如果你有興趣想知道更多資訊或是安排來一趟體驗潛水，我非常建議與他聯絡，臉書連結在下面這邊：島氮潛水社 Playful Dive Club

💙🌊🐋

The oceans are a vast and amazing wonderland. They hold uncountable wonders and support not only marine life, but all all life on land as well. Our oceans regulate the weather, oxygen, temperature. We need our oceans to survive.

Unfortunately, due to our negligence, the oceans need us to survive now as well. They are under threat from plastic pollution, rising temperatures, over fishing, and acidification from atmospheric CO2 absorption, and chemical runoff from industry and agriculture. Almost all marine species are under threat. That's not an exaggeration. That is the reality.

I studied for my PADI SCUBA diving license because the ocean life on the surface is disappearing. The reefs are bleaching, the fish have all been fished, and there isn't as much to see as there used to be. To see healthy ocean life now, we need to go deeper. This is the case all over the world, but it's also the case here in Taiwan.

It's not too late. Life is tenacious. The ocean is hanging on. But for how much longer? I recommend that everyone takes a trip underwater now. For two important reasons.

1) Time is running out. The oceans are changing. This is the best it will it be in the near future. Go now while you still can.

2) To see the oceans how they really are. It may change your opinion about how we consume and dispose of products. It may change your opinion about how we run our society, and economy. What is it we really value? The world would be a very different place is every CEO and every politician was required to go SCUBA diving.

I studied on Xiaoliuqiu, which is a convenient place to SCUBA dive because the water temperature is good, and the island is protected from waves, so you can go diving all year round. My instructors name was Nemo, he's very safe and professional, and can teach in both English and Chinese. If you would like to know more, or go on a discovery dive, I highly recommend contacting him. You can find his FB above.:

This guide show how to beat pt demo in 15 minutes
100% working method to beat pt demo and unlock ending
All 6 picture pieces location walkthrough
Tips to not get caught by Lisa
這攻略教你如何大約15分鐘破這款遊戲而且完全不會被女鬼抓
所有6張LISA照片碎片的地點
**附中文字幕


關注我的Youtube : http://goo.gl/3TVkJT
關注老吳FB: http://goo.gl/c0a2DW
Part1開始看清單Playlist : http://goo.gl/M792BH


I have listed all steps here in case you are lazy to watch this video
There are total 14 doors you need to go through, 15th will lead to ending.
Plug in your microphone is essential if you are follow this guide, it's 100% working !

1st : Simply walk through the hallway into the loop door
2nd : Check on the last door and walk to the FIRST door where you came from. Last door unlocked.
3th : Simply walk through the hallway into the loop door
4th : Last door should close automatically when you near it, check the bathroom and press R3 to look inside. Last door unlocked.
5th : You will see Lisa standing in foyer , just ignore her.
6th : Go to bathroom to pick up flashlight, door should close and wait until someone open the door for you.
7th : Press X on the picture on the Radio table
8th : Simply walk through the hallway into the loop door
9th : Simply walk through the hallway into the loop door
10th : Check the wall near the phone you should see "HELLO!". move your camera away and look again you will notice each time you see the text it will disappear one alphabet, keep repeat this step until it left "O!" , then move to the wall near foyer you will see a "HELL" and someone will start laughing. Loop door unlocked.
11th : Simply walk through the hallway into the loop door
12th : Run forward until you passed foyer and see a wall with a small hole, press R3 on it and hold on until you heard all the conversation., walk forward into loop door.
13th : Walk around and wait until screen tearing and game restart. (optional - collect 5 pieces of lisa's picture in this loop)

14th (Final Puzzle) :
- Wait until 0:00 and the chime stop
(Optional : get the last 2 picture pieces while waiting)
- Walk 10 step and stop then you will hear the 1st baby laugh.
- Pause your game after the 1st laugh.
- Play this video toward your microphone if you shy to yelling at it
http://www.youtube.com/watch?v=nlYlNF30bVg
- Unpause the game after you heard the 2nd baby laugh, stay still and DO NOT DO ANYTHING until your controller start vibrate.
- You should hear 3rd baby laugh then the phone will start ringing.
- Pick up the phone by press R3, go through the loop door.
- Enjoy Ending




如果你懶惰看這個影片的話,下面是所有的步驟 :
這遊戲有14扇門你要通過，第15就是結局
這攻略需要你要接上麥克風才能破関

1：直接通过走廊走到下一層
2：检查的最后一扇门然後忽略来自浴室的噪音，檢查你来的那扇门。之後你就能進入循环门了
3：直接通过走廊走到下一層
4：靠近最后的门会自动关闭，检查卫生间然后按R3看看里面。丽莎关上门后，最后的门就會打开
5：你会看到丽莎站在门厅，忽略她直走
6：进入浴室拿起手电筒，门會自動关闭，等到有人开门给你爲止
7：面對著收音機桌子上的图片按X鍵
8：直接通过走廊走到下一層
9：直接通过走廊走到下一層
10：检查電話附近的墙壁會看到“Hello”字眼，把鏡頭移開在轉會來你會發現一個字母少了，重复來回看直到剩下"O!"，走到门厅墙上你會看到“HELL”的字眼
11：直接通过走廊走到下一層
12：往前走直到你通过大厅看到右邊墙上有一个小洞，按住R3觀看裏面直到你听到所有对话，繼續向前走直到循环门
13：四处走走直到画面撕裂及遊戲重新启动
（你可以利用這個時間收集5張丽莎圖片的碎片）

14（最後謎底）：
- 等到晚上12点和鐘聲停止
（你可以利用這段時間收集最後兩張丽莎圖片的碎片）
- 步行10步並停止，然后你会听到第一次的宝宝笑聲
- 聽到笑聲后暂停游戏
- 如果你害羞無法對向麦克风大喊的話可以點播下面的影片
http://www.youtube.com/watch?v=nlYlNF30bVg
- 你听到第二次婴儿笑聲后恢復到游戏中，但不要做任何事情，直到遙控器开始震动
- 你會听到第三次的宝宝笑声，過後电话就會響了
- 按R3接起電話，经过最后一个循环门
- 享受結局



Hit LIKE if this is helpful
Thanks ;))