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2022年5月17日 星期二

銀行股指標 Delinquency rate 和 Default rate 差異

 


Delinquency means that you are behind on payments.遲繳貸款  Once you are delinquent for a certain period of time (usually nine months for federal loans), your lender will declare the loan to be in default.遲繳9個月, 債主認列呆帳default The entire loan balance will become due at that time.


https://www.investopedia.com/ask/answers/062315/what-are-differences-between-delinquency-and-default.asp



https://www.investopedia.com/historical-us-credit-card-delinquency-rates-5120737



2022年5月6日 星期五

美國投資英文 術語

 


vertical market?

vertical market, also referred to as a “business vertical” is a term used to describe a specific industry or market that focuses on a particular niche. For example, organic groceries could be considered a vertical market as the companies and consumers in this niche are only interested in buying or selling organic goods.

 


horizontal market?

Horizontal markets are markets that meet the needs of customers in a wide variety of industries rather than one niche industry. For example, a large grocery store chain could be considered part of a horizontal market as it most likely caters to a wide audience and relies on various retailers in several industries.

Horizontal markets are typically adapted by small or new businesses that might lack necessary capital, staff or general resources. These companies, therefore, partner with other companies—temporarily or permanently—to share resources and profit. 可以解釋為何台灣鄉下地區小餐廳, 不管中式西式, 剛開幕屬於專門餐點( 義大利麵, 台灣菜, 日本料理) 過了 1-2年就火鍋, 排餐, 燴飯, 炒麵什麼都賣


"Dollar-cost averaging (DCA)”  定期定額 ( 平均成本法)

It’s an investment technique of buying a fixed dollar amount of a particular investment on a regular schedule, regardless of the share price."


Moonshot Investing

What Is Moonshot Investing? Moonshot investing is investing in companies you believe will have a meteoric rise. It is based on identifying a trend and knowing that the market will eventually rate the companies much higher.


2022年4月19日 星期二

After Anaplan, which SaaS company will private equity target next? 經過一陣大跌, SaaS 是潛在併購目標 !?


經過一陣大跌, SaaS是潛在併購目標  原文鏈結

We could be in for a period of aggressive deal-making   

March 22, 2022

Last night, private equity firm Thoma Bravo said it agreed to acquire Anaplan for $10.7 billion. The financial planning software companys stock has declined sharply in the last six months, which likely gave the PE firm a chance to pounce.

 

The stock market hasnt been kind to SaaS companies in recent months, which makes us wonder if were seeing the beginning of a trend of private equity taking aim at vulnerable SaaS firms.

 

To answer that, lets quickly unpack the Anaplan transaction and better understand if Thoma Bravo is paying a premium for this company. From there, well be able to get an idea of how much private equity types are willing to shell out for modern tech companies.

 

Afterward, well apply what weve gleaned to a host of public SaaS companies that could find themselves answering inbound calls from other private equity concerns. Dont forget that private equity is richer than it has ever been in terms of available dry powder, and that money could be looking for a target.

 

2022年3月27日 星期日

SaaS 名詞解釋

 

First-mover advantage


 

Inbound marketing overview

Inbound marketing is a strategic approach to creating valuable content that aligns with the needs of your target audiences and inspires long-term customer relationships. Your customers are your customers because you provide solutions to their problems.




WHAT ARE ETL TOOLS?

Given that a data warehousing environment includes data from disparate sources, many users deploy some varation of extract, transform, load (ETL) -- often automated and scheduled -- to process heterogeneous data and unify it for analysis. Having the right tools for the task at hand is important to ensuring a seamless flow of data from pirmary sources to end-user analysts or data scientists. Extract, transform, load is a primary component of data integration, along with data preparation, data migration and management, and data warehouse automation.

ETL tools collect, read and migrate data from multiple data sources or structures and can identify updates or changes to data streams to avoid constant whole data set refreshes.Operationally, the tools can filter, join, merge, reformat, aggregate and for some, integrate with BI applications. ELT (Extract, Load, Transform) is a more recent variant that acknowledges the transformation part of the process is not always required before loading,

What to look for in an ETL tool
  • Easy to use, maintain, and highly secure
  • Connects to all required data sources to fetch all relevant data
  • Works seamlessy with other components of your data platform, including data warehouses and data lakes (via ELT)




cloud-hosted PBX system 雲端視訊電話

Cloud - hosted PBX system




Metric

A metric is a meaningful measurement taken over a period of time that communicates vital information about a process or activity, leading to fact-based decisions. Metrics are usually specialized by the subject area. In business, they are sometimes referred to as key performance indicators (KPI).



feedback loop

A feedback loop is a process in which the outputs of a system are circled back and used as inputs. In business, this refers to the process of using customer or employee feedback (the outputs of a service or product), to create a better product or workplace.


What is an AE in SaaS?

An Account Executive (AE) is a salesperson. They are usually responsible for serving the needs of existing customers and closing sales deals to create new customers. They typically have a revenue target, and are paid commissions when they sell their company's products and services.

May 21, 2019