關於 upfront fees ，我們在網路上蒐集到這些相關的討論、資訊與評價

What are your favourite local businesses? Here are a few Malaysian local businesses that I love (and miss!). Local businesses are struggling now and we do what we can to support them.

I’m proud to join hands with myIOU family – as the Face of myIOU – to help keep the businesses alive!

myIOU is a Buy Now Pay Later digital platform for consumers to split their purchase up to 6 affordable monthly payments at ZERO interest whilst merchants get paid upfront! Best thing is, they are now offering FREE setup and FREE annual maintenance fees to all businesses that need help out there, until 31 August!

Let’s support our local businesses during these tough times, I’m so happy that with myIOU we can continue doing that!

Follow myIOU or visit www.myiou.com for more information.

https://www.facebook.com/myIOUAsia/
#myIOUxYuna
#myIOU
#buynowpaylater
#buynowpaydigital
#BNPL
#IOUpay

𝗪𝗵𝘆 𝘆𝗼𝘂 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗲𝘅𝘁𝗿𝗮 𝗰𝗮𝗿𝗲𝗳𝘂𝗹 𝗼𝗳 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗰𝗼𝘀𝘁𝘀 𝗮𝗻𝗱 𝗳𝗲𝗲𝘀 𝗶𝗻 𝗰𝗼𝗽𝘆 𝘁𝗿𝗮𝗱𝗶𝗻𝗴

Copy trading is a business.

So, if you’re not being charged any upfront fee, then you’re paying more for the spread and overnight fees.

I’ll explain…

For most Forex brokers, the spread on EUR/USD is 1 pip. But on a copy trading platform, you might pay 2 to 3 pips more.

But don’t take my words for it because you can compare the spreads of a normal Forex broker with a copy trading platform and you’ll see the difference.

So, what’s the implication?

Two things.

#1: If you’re a trader being copied, then bear in mind your trading strategy won’t work as well because you’re paying more in spread (compared to a typical Forex broker).

#2: If you’re copying another trader, then it’s best to follow traders who trade infrequently so the spread doesn’t eat up a huge chunk of your profits.

Now, the spread isn’t your only cost because you still have to consider overnight fees (if you’re holding positions for longer than a day).

This fee is calculated by taking Libor + X%.

(Libor stands for inter-bank offered rate. It’s an interest rate that banks charge to other banks for borrowing the money.)

So, what is X?

Well, this is the mark up that’s determined by the copy trading platform and you’ll need to check with them for the exact amount.

The good news is, you don’t have to worry about calculating all these because the platform will likely do it for you—so do check it out before placing a trade.

Now, there are probably other fees to consider but the spread and overnight fees make up the chunk of it.

𝗪𝗵𝘆 𝘆𝗼𝘂 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗲𝘅𝘁𝗿𝗮 𝗰𝗮𝗿𝗲𝗳𝘂𝗹 𝗼𝗳 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗰𝗼𝘀𝘁𝘀 𝗮𝗻𝗱 𝗳𝗲𝗲𝘀 𝗶𝗻 𝗰𝗼𝗽𝘆 𝘁𝗿𝗮𝗱𝗶𝗻𝗴

Copy trading is a business.

So, if you’re not being charged any upfront fee, then you’re paying more for the spread and overnight fees.

I’ll explain…

For most Forex brokers, the spread on EUR/USD is 1 pip. But on a copy trading platform, you might pay 2 to 3 pips more.

But don’t take my words for it because you can compare the spreads of a normal Forex broker with a copy trading platform and you’ll see the difference.

So, what’s the implication?

Two things.

#1: If you’re a trader being copied, then bear in mind your trading strategy won’t work as well because you’re paying more in spread (compared to a typical Forex broker).

#2: If you’re copying another trader, then it’s best to follow traders who trade infrequently so the spread doesn’t eat up a huge chunk of your profits.

Now, the spread isn’t your only cost because you still have to consider overnight fees (if you’re holding positions for longer than a day).

This fee is calculated by taking Libor + X%.

(Libor stands for inter-bank offered rate. It’s an interest rate that banks charge to other banks for borrowing the money.)

So, what is X?

Well, this is the mark up that’s determined by the copy trading platform and you’ll need to check with them for the exact amount.

The good news is, you don’t have to worry about calculating all these because the platform will likely do it for you—so do check it out before placing a trade.

Now, there are probably other fees to consider but the spread and overnight fees make up the chunk of it.

Don't be fooled fam, there's a LOT more involved than just monthly payments!

This episode's timestamp guide:
00:00 Introduction
0:53 Main Budgets
1:43 Baby toast please
2:14 Upfront payments
2:45 COST 1 = BANK LOANS & DOWNPAYMENTS
4:31 Baby break
4:50 Added notes: Booking fees
5:35 COST 2= REPAIRS
7:04 COST 3 = LEGAL FEES
9:01 Baby break 2
9:41 Welcoming the finance minister of our home
10:12 COST 4 = Furniture
12:04 Baby break 3
12:20 Suyen's Tip = Bring a contractor to the property for quotes
13:20 COST 5 = Electronics & Plumbing
15:10 COST 6 = Misc. Fees
16:04 Baby break 4
16:13 COST 7 = AFTER-FUNDS
17:27 Closing Notes from us!

BIG SHOUTOUT to the PropertyGuru team!
For your references! (Surf around their site for more!)
Guides for LEGAL FEES shenanigans: https://bit.ly/3mqUPaT
Should you pay off your home loan early? https://bit.ly/2Ts2ZUf
Home Loan Tools & Calculators: https://bit.ly/3oyDsqv

SUBSCRIBE FOR MORE VIDEOS!
OR tell us what you would like to talk about! :)

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Suyen: @suyenpang
MingH: @dmingthing

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Don't forget to LIKE this video to help my algorithm, thank you!

––––––––––––––––––––––––––––––

Hey lovelies! Today I have a chatty video for you talking about modeling in japan and answering your questions such as portfolio and audition tips, visa runs, sketchy agencies. etc.

Let me know below if this was useful and if you have any other questions feel free to ask below!

● Modeling in Japan - ALL YOU NEED TO KNOW - https://bit.ly/3hxkDiL

Time Stamps:
01:13 First steps into modeling recommendations. How to begin, Home country modeling, and then overseas.
03:50 Best way to apply to agencies. (applying online and online auditions)
04:39 Sketchy agencies - upfront fees.
05:20 I am signed with agencies, how can I improve my book and chances at an audition.
07:02 I can’t seem to get many jobs related to fashion or commercials. I might not be considered attractive in Japan.
07:57 I am really short, agencies didn’t take me. Recs?
08:47 Working a fixed job and modeling, how to handle it. Getting an add on visa as an entertainer.
10:00 Visa regulation - the visa run.

––––––––––––––––––––––––––––––

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▹Laura’s Instagram - http://instagram.com/lauraribeiro.x
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▹Soundcloud - https://soundcloud.com/lauraribeiro-x

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Hey, I’m Laura Ribeiro. I am Brazilian-Portuguese, raised in London. I moved to Tokyo in 2014.
I work as a full-time model, and a singer-songwriter musician. My channel is based on lifestyle, beauty & fashion videos. I have always loved documenting everything, and being able to look back.
Love xox

thanks for watching, don't forget to subscribe ♡
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●MUSIC IN THIS VIDEO●
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Riviera by Smith The Mister https://smiththemister.bandcamp.com
Smith The Mister https://bit.ly/Smith-The-Mister-YT
Free Download / Stream: https://bit.ly/al-riviera
Music promoted by Audio Library https://youtu.be/qonPqql2sP0
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You & I by Soyb & Amine Maxwell
https://soundcloud.com/soybmusic
https://soundcloud.com/aminemaxwell
Creative Commons — Attribution 3.0 Unported — CC BY 3.0
Free Download / Stream: http://bit.ly/l-you-and-i
Music promoted by Audio Library https://youtu.be/NS71HLgd9q4
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Track: Sunflower — Soyb [Audio Library Release]
Music provided by Audio Library Plus
Watch: https://youtu.be/dG1U3NuR9Pk
Free Download / Stream: https://alplus.io/sunflower
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Track: Doing Nothing — sakura Hz [Audio Library Release]
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Watch: https://youtu.be/o5ivAJQ_iHQ
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Track: Maarif — Soyb & Amine Maxwell [Audio Library Release]
Music provided by Audio Library Plus
Watch: https://youtu.be/QqsPjuyvM6c
Free Download / Stream: https://alplus.io/maarif
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Malecon by Soyb & Amine Maxwell
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https://soundcloud.com/aminemaxwell
Creative Commons — Attribution 3.0 Unported — CC BY 3.0
Free Download / Stream: https://bit.ly/al-malecon
Music promoted by Audio Library https://youtu.be/xbWzYbtMgIE
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Track: Good Evening — Amine Maxwell [Audio Library Release]
Music provided by Audio Library Plus
Watch: https://youtu.be/2BEJUXf_U38
Free Download / Stream: https://alplus.io/good-evening
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#TokyoVlog #Japan #Modeling
🇯🇵 MODELING IN JAPAN - Portfolio & Audition Tips, Visa runs, Sketchy Agencies | Life in Japan

哈佛知識分享 - 行業分析及定位《點做生意? - 裙褂》Case Study

(想睇全程 unedited 訪問，可whatsapp 我90361143)

做生意要識得分析個行頭， 你一定要認識哈佛教授 Michael Porter 的波特五力 Porter's 5 Forces:

(1) Competitive Rivalries 行內的競爭性
(2) Threat of Substitution 代替品的威脅
(3) Threat of New Entry 新入行競爭者的威脅
(4) Supplier Power 供應商的議價能力
(5) Buyer Power 買家的議價能力

多謝經營了44年的鴻運繡莊老闆黃師傅接受訪問。

. 如何分析行業?
. 如何定位競爭?
. 做生意最忌什麼?
. 裙褂行業如今發展? 

訪問內容有答案。大家有大喜事也可幫襯他。

鴻運繡莊
總店:
元朗教育路69號地下全層
(852) 2477 6688 (敬請預約)
營業時間:上午12:00 至 下午8:00
逢星期四休息

尖沙咀店:
尖沙咀金巴利道73號新業廣商業大廈2樓202室
(852) 2787 9708 (敬請預約)
營業時間:中午12:30 至 下午8:00
逢星期日休息

內文: 
今次呢個case好特別，鴻運繡莊， 專做裙褂， since 1975 年，做咗44年，同我一樣，今年都係44歲。 佢個行頭又點呢，點做生意? 我後面呢間係去元朗嘅老店，而家又去佢尖沙咀嘅分店睇下。

呢盤生意係由阿黃師傅嘅爸爸44年前做起。Michael Porter 話你要分析一個行業，你睇五大影響個行業嘅大力量。

以5個力量唔係加起嚟(Additive)喎，只要其中一個失衡呢，就成個行頭可以玩完。 依家我逐一逐一同你解釋， 不過先了解下鴻運繡莊其實做乜先。

咁大家其實又知唔知道裙褂分類又點呢？ 

咁你又知唔知，褂係買多定租多呢？ 幾錢呀？

(1) 要了解個行頭， 就要先了解行內競爭性 Competitive Rivalries. 咁你就要睇有幾多競爭者， 品質的差異性，顧客嘅忠誠度，同埋離開市場唔玩嘅成本。 有啲行頭視對手為死對頭，互相廝殺，割喉式減價! 有啲行頭就互相禮讓， 基本上可能係合謀競爭，好似油公司咁，抬高個價。 咁阿裙褂呢行又點呢? 

(2) 市場上有冇代替品，都會影響成個行頭嘅表現。 例如以前有好多人用計數機， 依家一個智能電話就已經代替晒啦。 高鐵代替咗公路，港珠澳大橋代替咗搭船等。 當然要睇下個代替品係唔係代替得曬啦。咁裙褂呢?

(3) 新入行競爭者多唔多威脅呢? 係咪話抄就抄， 有冇咩特別專業知識? 有冇任何入行嘅障礙呢? 好似係外國醫生嚟香港一樣，未考過香港醫務委員會嘅試，就係唔準係香港做醫生。 有冇任何技術嘅保障， 或者 economy of scale 好似百佳/惠康咁大，先至壓得低個價錢呢? 

(4) 供應商的議價能力。 你同邊個人入貨? 多唔多選擇? 佢哋會唔會大過你好多，大石砸死蟹? 你轉其他供應商議會唔會成本好大?  你係賣電腦嘅，可能大部分嘅利潤就去咗Intel 粒 chip 嗰道， 因為你部電腦冇咗佢粒chip 就唔值錢。

(5) 第五個力量， 最後你就要睇買家議價能力。 市場上多唔多買家?佢哋嘅order 大唔大? 佢哋對價格敏唔敏感? 佢哋入其他貨改變嘅成本高唔高? 例如，醫藥行業一向都好賺錢， 因為買家為咗身體好, 多多錢都願意畀。同埋佢哋轉食另一隻藥嘅話，改變嘅成本可能係付出健康，太大喇。 做藥廠嘅，反而最怕就係insurance 公司， 因為佢哋主宰咗客人見咩醫生同食咩藥。 裙褂呢個行業有點呢? 

裙褂又點樣令到個買家願意畀多啲錢? 有咩新意呢? 

Hello Kitty 呢啲叫做licensing專利授權。 一般你都會同個licensor簽訂的合約，用佢個圖案幾多年嘅時間，預期有幾錢嘅收入， 當中幾多百分比嘅營業額會畀返佢 Royalty Fees， 平則百分之幾，貴則20%至30%。 當然你作為licensee , 就要upfront 俾個minimum guarantee 佢， 即是你一件都賣唔出， 你都一早已經付出咗。 當然佢唔係個個批，都要你有返咁上下料到先畀你用啦。

除咗hello kitty 嘅褂， 一件傳統嘅裙褂需要有咩呢?

咁講完一大輪，做裙褂嘅成本架構係點? 賺幾錢呢? 

一般做零售批發嘅，攞貨返嚟，轉手賣畀人，賣100蚊，賺3/4成啦。 但如果係自己品牌，H&M 馬沙等，賺5/6成啦，luxury brand, Prada 咁就7/8成啦。咁做褂呢? 人工超貴又點呢?

要提防新競爭者嘅進入威脅， 原來你做時裝零售都可以註冊外觀㗎喎。 你去知識產權署， 各種產品外觀設計都可以註冊㗎，包括電腦，電話，DVD/CD，紡織品，珠寶，同埋手錶。 只要你係獨特嘅， 填幾份文件交啲證據，成功註冊咗保障有效期最長就係25年，每五年續期一次。 咁做裙褂又點呢? 

最後根據Michael Porter 做生意， 你先要用以上5 forces 去分析個行業好唔好做。 好做嘅，就有以下四種方法贏人，比行家做得更好。

(1) Cost Leadership 大眾市場, 成本平過人，好似佳寶， 百佳，惠康咁。

(2) Cost Focus 小眾市場，成本都係平過人， 例如而家好多新興嘅夾公仔機，專 target 一班年青人/細路仔， 半賭博嘅心態去刺激呀，唔使人管理， 啲公仔成本都唔值錢。

記住喎， 我講緊係成本平過人，唔係價錢平過人喎。 成本平過人，即是價錢一樣，你自然賺多啲啦。

要贏人? 仲有 (3) Differentitation 大眾市場，但係行差異化， 好似Starbucks 咁。

(4) Differentiation Focus 小眾市場，都係行差異化，啲嘢靚過人。好似Prada， Chanel 咁。

想知多啲，可以睇返我之前有條片講關於100間士多嘅故事， 就同你仔細分析左呢四格。 咁鴻運繡莊做裙褂又點呢?

好明顯黃師傅就係行緊第四, differentiation focus strategy. 我自己做商舖基金都係一樣， 做專啲，做好啲，我哋基金收費唔平， 但最緊要服務好，投資者同租客賺到錢。 

根據Michael Porter, 四格入面做生意選擇邊格都得，但最忌就是Stuck in the Middle, 你唔願意作出tradeoff 取捨，就難贏競爭對手。

希望你都透過呢啲嘅影片學到嘢，做生意更加叻。 最後身邊有朋友結婚或者你自己又大事都好呢，記住呢鴻運繡莊啦! 

買舖/租舖/放舖/投資商舖基金熱線: 28301111 或 whatsapp +852 90361143

盛滙商舖基金 Bridgeway 網頁  www.bwfund.com

李根興創業之友 https://www.facebook.com/EdwinNetwork/

李根興商舖之友 https://www.facebook.com/edwinprimeshop/

李根興 youtube 商舖創業及投資分享商舖創業及投資分享https://www.youtube.com/channel/UCEN66AnLghXESgCDIsz-3Nw

#哈佛知識，#鴻運繡莊，裙褂點做生意，#michaelporte#michaelporter, #點做生意，#商舖, #李根興, #創業, #edwinlee, ＃盛滙, ＃bridgeway, #舖, #商機