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

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在reserve insurance這個產品中，有31篇Facebook貼文，粉絲數超過4萬的網紅Cheekiemonkies，也在其Facebook貼文中提到， Our family loves going on nature hikes and since overseas travel was curbed, we started exploring more locally. There're many nature trails to discove...
　同時也有2部Youtube影片，追蹤數超過862的網紅IP Lockers，也在其Youtube影片中提到，【IP LOCKERS SUMMER CAMP VOL.3】 全新課程規劃 📖 熱血生活體驗 🗺 瘋狂派對遊戲 👾 快攜家帶眷報名參加！！！！！👨‍👩‍👧‍👦👨‍👩‍👦‍👦👨‍👩‍👧‍👧 （團報更便宜✨） ⚠️更多詳細內容將陸續公告，盡請期待～ ＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿ ★活動...

reserve insurance 在 Cheekiemonkies Facebook 的最讚貼文

Cheekiemonkies By Cheekiemonkies

2021-08-25 19:00:49 有 127 人按讚
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Our family loves going on nature hikes and since overseas travel was curbed, we started exploring more locally. There're many nature trails to discover here and some of the gems can be found on Sentosa - the Imbiah Trail, Coastal Trail and Mount Imbiah Nature Trail. The first two are pretty known but the last one not so much and more secluded.

If you’re planning to hike with the kids or on your own, you can try out the Siloso Trail as part of the MSIG Biodiversity Mission 2021 on District app. MSIG Insurance has developed 2 trail challenges that you can do in Singapore - Sungei Buloh Wetland Reserve and Siloso trails - in order to raise awareness about the biodiversity at these 2 sites. The trails are FREE and open to everyone. All you need is the latest version of the District app and off you go!

We did just that and for once, wifey & I took a backseat and let the monkies take the lead in the Siloso trail. Using the District app, they navigated through the trail, stopped at various checkpoints to either collect points or answer questions about the local biodiversity we came across on the trail. Swipe to see how they did for some of them! In addition to points earned along the way, 200 points will be awarded for every 1km walked. Let’s just say I have never seen them so eager to compete and walk MORE. Maybe because there are $50 sports vouchers to be won for the top scorers! LOL.

So if you have been trying your darndest to get the kids outdoors, maybe the MSIG Biodiversity Mission will be up their alley. The app is super easy to use, the trails are kid-friendly (even for beginners), there are points to earn, and the kids get to learn more about the fauna and flora in our home country too. Lotsa wins right there!

Check out the MSIG Biodiversity Mission 2021 at gomsig.sg/biodiversity - it’ll come in useful with the September school holidays coming up! 😊

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Cheekiemonkies

About author
Founder of the cheekiemonkie.net blog, I am also the author of 'Got Kids, Go Where?' - a book of 500 activities for parents to do with their kids in Singapore. I have guest written for Yahoo! Singapore Parenting website and was invited as a speaker at Asian Festival of Children's Content 2015, and a panelist for Singapore Children's Forum 2015. I was appointed a judge for Singapore Tourism Awards 2016 & 2017, and a Council Member of the Advisory Council on Community Relations in Defence (ACCORD) Family & Community and Families for Life Council. I also co-founded Daddy Matters (www.daddymatters.sg)—an online community of active dads as well as dads who want to be active in promoting the message of active fathering to everyone. Strongly believing in the maxim “ who says parenting can’t be fun?”, the blog covers the adventures that we embark on together as a family. It features new, fun and kids-friendly places to visit or dine in, the occasional overseas trips when the travel bugs bites as well as reviews of kids and lifestyle products and gadgets that the family will enjoy.
? 'Got Kids, Go Where?' Author ? 3 monkies' Dad ? One of Singapore's Top Parenting Bloggers ?‍♂️ACCORD & FFL Council Member ? [email protected]
38983 followers 36190 likes "https://www.cheekiemonkie.net/"
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reserve insurance 在 元毓 Facebook 的最佳解答

元毓 By 元毓

2021-03-11 17:00:08 有 188 人按讚
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【近日股市資金行情之我見】

這兩個月忙著跨海搬家，沒太多時間寫長文。這篇文章從今年1月斷斷續續寫到現在，主要嘗試回答兩個問題：

1. 2021年初是否存在市場過熱現象？

2. 美國政府2020年的瘋狂印鈔行為（參見下圖）是否會引發嚴重通貨膨脹？投資人應該如何因應？



首先關於第一個問題，在今年2月份我們看到美國股市的option契約數量大增，從19M/每日增加至30M/每日；SPACs形式2020年增加200件，募資$74B；GME軋空炒作行情。

這樣是否存在擦鞋童現象？

這部分我想先回顧17世紀荷蘭鬱金香投機事件。

傳說當年荷蘭鬱金香莖球被瘋狂炒作，價格上漲幾百倍，荷蘭舉國人民紛紛陷入投機熱潮，甚至20世紀德國知名投資客柯斯多蘭尼稱當年有駝背侏儒光是出租其後背供投資客們寫上最金莖球價格，然後穿梭人群中賺了一小筆。

隨後鬱金香莖球炒作泡沫破裂，荷蘭國家經濟受到重創，進而影響當年曾是海上商業王國的地位。

然而史實是如此嗎？

美國經濟學家Peter Garber專門研究此一投機炒作的經濟史，並寫下幾篇著名論文。而依據其著作"Famous First Bubbles The Fundamentals of Early Manias" 一書，我整理幾個重點：

1. 實際上鬱金香熱潮時間相當短，價格明顯彈升發生在1636年11月～1637年1月份。

2. 參與人數總共約350人，全是職業商人；真正支付高價（超過300荷蘭盾）者約莫10人，多數人其實是透過遠期合約的方式進行炒作，而最後多以違約拒絕真實支付現金，直到荷蘭當地鬱金香相關商會與政府出面介入，才以履約價格的10%甚至5%方式解除合約。

3. 非常昂貴的品種，如Semper Augustus 的真實漲幅只有5倍（從原本的1千出頭荷蘭盾漲至5千多），並非都市傳說中幾百倍的漲幅。

漲幅較大的主要是那些本來就平價的品種，例如Gouda buds，起漲價格約２荷蘭盾，最高價50多荷蘭頓。即便存在瘋漲，但至多也是一、二十倍，這即便放在現代農產品供需失調時的價格軌跡來比較，也並不離奇。例如台灣颱風後的香菜價格漲幅。

這邊可以題外話說明為何Semper Augustus這品種售價昂貴。因為這特殊品種本不存在於大自然，而是農夫必須將快開花的鬱金香球莖人工嫁接罹患某種病毒的鬱金香，才能開出特殊花色。而這種嫁接病毒的球莖將會死亡，不再具備繁衍後代的能力。此外，嫁接後的成功率在當年也並不高，不保證存活也不保證開出特殊花色。

物以稀為貴下使得Semper Augustus這品種本來售價就高昂，是一般品種的百倍。

讀者可參見以下幾張當年不同品種的價格走勢圖：

4. 也因為這個事件的範圍與熱潮都比傳說中小得多，因此並未對實質荷蘭資本市場或經濟體造成多少負面影響。

荷蘭鬱金香泡沫事件有三點啟示：

a. 即便在當年差不多時期的著作、媒體都有對其瘋狂投機炒作的描述，但實證來看誇大成分居多。很可能受到作家喜歡站在道德高點批判投機行為的習慣影響，但做為投資人或經濟史研究者在考據曾經的泡沫事件，始終必須以事實為依歸。

b. 小範圍小規模的投機炒作，無論價格哄抬得多麼高聳入天，事實是「毀約」始終是一種選項，有行無市的價格不存在經濟學意義。

c. 同樣地，小範圍小規模的投機炒作，無論價格哄抬得多麼高聳入天，對整體經濟乃至於資本市場的影響同樣不會太大。這意味著我們雖然應該警醒擦鞋童現象，但也無需杯弓蛇影。

如同我在去年幾篇文章中談到的，我認為Covid-19疫情本身造成的經濟損害遠不如人為的隔離措施所造成。目前看到的全世界生產力衰退，人禍成分高過天災。但與2009年不同之處在於：

「Personal savings soared as high as 33.7% in April following the Cares Act and were still a healthy 13.7% in December before Congress passed another $900 billion in Covid aid. This means that, unlike during the 2009 recession, households aren’t weighed down by debt.
Personal bankruptcies, home foreclosures and loan delinquencies last fall were the lowest since at least 2003. The mortgage delinquency rate was 0.7% in the third quarter of 2020 compared to 7% in the first quarter of 2009. ...」

出自Wrong Stimulus, Wrong Time - WSJ （ Feb. 5, 2021）報導。

因此在我看來，此文撰寫的時間點，雖然多多少少某些類股上存在擦鞋童現象，投資人不必過度擔憂。投資人真正該做好未雨綢繆準備的，是美國瘋狂印鈔下必然到來的嚴重通貨膨脹。

問題二：通貨膨脹下股票標的如何選擇？

高資產或高負債的公司在嚴重通膨時期的股價表現優於高現金部位的公司。在經濟學大師Armen A. Alchian 1965年的論文 "Effects of Inflation Upon Stock Prices "中，特別指出傳統經濟學如凱因斯、費雪等著名學者之見認為銀行身為典型債務人，在通貨膨脹環境下應該有較好的股價表現。而Alchian則點出這些學者大老忽略銀行雖然集債務於一身（大眾存款之於銀行就是債務），然而銀行受限於法規與現實，其資產多是「現金資產（money-type assets）」，故在嚴重通貨膨脹影響下，銀行實際經濟損失大過通膨泡沫所得，股價表現當然好不到哪去。

Alchian此文對我的啟發甚大，揭櫫面對貨幣因素影響甚大時的投資方向。

但我們要知道Armen Alchian的論文寫作時期與如今的投資環境又有幾個重大侷限條件之不同，因此我們不能生吞活剝地硬套Alchian的觀點，而是必須真實理解背後隱含的正確經濟學邏輯，並依據當今侷限條件之不同而修改並應用。

引入費雪的利息理論與張五常的財富倉庫概念，現今世界何謂資產、何謂債權債務、何謂現金？我們必須要能超脫會計學、法學的思維侷限，而從真正在投資決策上有效益的經濟學角度切入。

一個我認為值得投資人注意的重點是：投資人對於高商譽（goodwill）的公司能否有正確地、在經濟學層面的深度理解與評價機制。

這點同樣也適用在面對新科技寵兒如電動車之流之正確價格評估。

以長期投資角度看，如果以夠低的成本入手高資產或高品牌價值公司，本身部位又很大，則隨後的股市大幅修正甚至崩盤基本可以無視

如果部位不大，則可以視隨後散戶瘋狂狀況逐漸增加現金部位。

回到現實面，我認為通膨現象確實在發生，有兩個現象值得注意：

a. 機構法人買入加密貨幣的金流增加

「...JPMorgan, said the size of the bitcoin market had grown to equal about a fifth of gold held for investment and trading purposes, with a market capitalisation for the cryptocurrency of $750bn at its peak earlier this year, meaning it “is far from a niche asset class”. 」

「...Analysts at Canadian insurance company Manulife said in late January that the expansion in central banks’ balance sheets and rising public debt would push investors further into alternative asset classes ...」

「...Xangle showing that investors have lost more than $16bn to fraud since 2012 ...」

b. 近日美國美國前25大銀行對私人之貸款佔總資產比例從去年54.1%下降之45.7%，且放在Fed reserve account總金額達$3.15兆美元。

（The 25 largest U.S. banks currently hold 45.7% of their assets in loans and leases, according to Fed data released Friday, down from 54.1% this time last year. .. reserve balances in their Federal Reserve depository accounts at sky-high levels, $3.15 trillion at present
）

通膨現象將會更嚴重，因為「...According to a recent House Budget Committee estimate, $1 trillion from last year’s bills hasn’t been spent—including $59 billion for schools, $239 billion for health care and $452 billion in small business loans. State and local governments added 67,000 jobs in January. They don’t need more federal cash. ...」
WSJ "wrong-stimulus-wrong-time " Feb. 5, 2021

如同我在「論比特幣」一文中闡述過：比特幣顯然不是被當作交易貨幣而是某種無根財富倉庫，因此其價格之暴漲暴跌均同時具備「合理與不合理」之雙面性。因為不存在適當的評價方式去推估其價格之合理性。

但在此文我想進一步指出，從另一層面來看，這種無根倉庫的價格變動本身卻可提供我們對於貨幣因素下真實通貨膨脹的現狀診斷。這好比我們切脈在左關中層把得一數滑脈，搭配右關心位或肝位的脈相，或胃經、肝經或經外奇穴的壓痛診斷，或舌診眼診等等訊息，我們可以推知患者是肝臟、胰臟有惡性腫瘤亦或慢性胃潰瘍。

比特幣的暴漲本身也是一個類似性質的市場訊號。

換言之，當我們把貨幣看做經濟體的血液/體液時，投資人懂不懂得把經濟的脈？是否可以從貨幣的脈相得知經濟血液/體液的品質、健康度、病理變異方向程度與進程...等等。當我們脈診上發現血液/體液堆積於某經絡時，我們看到某類型資產價格飛漲甚至軋空時，診斷者有沒有能力正確推測隨後的、不同時間點地病程發展與相對應的症狀發作？

中美貿易戰框架與因應Covid-19疫情的政府舉措則是結構性地在解剖學層面改變經濟體本身，所需要的制度經濟學知識又是否足夠投資人能趨吉避凶甚或從中獲利？

這些都是參與投資市場者必須時時捫心自問的問題。

我文末再強調一次：美國主要銀行減少對私人企業放款而增加手中政府債券這現象。

參考：

Financial Times "Bitcoin boom backstopped by central banks’ easy-money policies" 2021/2/4

Financial Times "US mortgage executives forecast a $3tn year in 2021 " 2021/01/08

WSJ "For One GameStop Trader, the Wild Ride Was Almost as Good as the Enormous Payoff " 2021/02/03

Armen A. Alchian, "Effects of Inflation Upon Stock Prices" (1965)

Peter M. Garber, Famous First Bubbles The Fundamentals of Early Manias (2000）

WSJ, "Fed Policy Is Smothering Private Lending" (2021/03/08)

文章連結：
https://ppt.cc/f7YCNx

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元毓

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元毓說粉絲頁 美國法學碩士，智財權、競爭法與法律經濟分析專業。分享20年投資經驗所得之經濟學體悟。
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reserve insurance 在 包娘娘与包 Facebook 的最佳解答

包娘娘与包 By 包娘娘与包

2021-01-08 13:05:33 有 7,002 人按讚
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#我们需要大家的协助！ We Need Your Help！

【公告/寻人启事】

针对日前我的丈夫区伟杰
于2021年1月5日 晚上11点多左右
发生于永平 Jalan Lam Lee 路段 （新山通往芙蓉方向122.5公里路段）的致命交通意外
目前为止警察局还未向我方出示任何有关于车祸事故的调查报告
我们也未曾签署或者认同任何调查结果。

故特以此通告
如若各大报张媒体的不确实叙述报道对于两位遗孤的保障理赔造成任何影响
本人谨以遗孀的身份
将会通过法律途径保留对于各大媒体及该官员追究的权利。
我们将在律师的陪同下前去处理后续的调查结果。
愿各方看在两位遗孤的份上良知未泯。

于此，我也想向大家寻求援助
#我们想要寻找当晚的目击证人
#如果事发当晚你刚好路过该路段目睹事发经过
#或者你的行车记录仪有拍摄到案发过程
请你联系我 0167175038
因为警方和事发地点的描述不符合
不为是非对错 只为保障孩子
我们的孩子非常需要你的帮助。

敬启
-----------------------------------------------------------------------------
[Annoucement]

Regards to my late husband - Jay Ow’s car accident which happened on the 5th January, 2021 at around 11pm, on the way back near Yong Peng, Jalan Ramlee, 122.5km, we currently still hasn’t gotten any actual traffic report from police stations about this accident. We have not sign anything yet until today.

Therefore, we would like remind everyone that any news which you found or read over any media platform about this accident is not finalise yet.
Hence, we appreciate that everyone please stop spreading or share over social media platform about this accident.

It has been creating mass confusion and it's truly not fair to my family. Because this action, it will be affecting the results of the investigation over my late husband's insurance claims for the little kids.

We will reserve any rights upon legal actions towards to all these inaccurate statements provided by the media and the officer.

We have contacted our legal firm and we will proceed with further investigation on this accident.

Hopefully we could find out what’s really happened on that night itself.

At the same time, we will be grateful that if there’s any eyewitness who were there that night, can provide us more information. Or if you were driving or pass by that area, which has a video camera and recorded the situation. Please kindly contact us at 0167175038. Because we need more information over this case. Our kids need your help, Please.

Thank you

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reserve insurance 在 IP Lockers Youtube 的精選貼文

IP Lockers By IP Lockers

2018-06-13 12:19:34 有 276 人看過 有 4 人喜歡
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【IP LOCKERS SUMMER CAMP VOL.3】
全新課程規劃 📖
熱血生活體驗 🗺
瘋狂派對遊戲 👾
快攜家帶眷報名參加！！！！！👨‍👩‍👧‍👦👨‍👩‍👦‍👦👨‍👩‍👧‍👧 （團報更便宜✨）
⚠️更多詳細內容將陸續公告，盡請期待～
＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿
★活動日期：2018年8月17~19日
Date： 08/17/18 to 08/19/18
★地點：金山活動中心 (新北市金山區青年路1號)
Location: Jinshan Youth Activity Center
★報名人數上限：120人
Members limit: 120
★費用：
Fee
└早鳥價 5800元
(報名時繳交訂金3000 於7/15晚上12點前 繳清才算完成早鳥報名)
Early bird special: 5800 (Deposit 3000 paid by July 15 24:00)
└舊生回饋優惠 5500元
(報名時繳交訂金3000 於7/15晚上12點前 繳清才算完成報名)
Old Students special: 5500 (Deposit 3000 paid by July 15 24:00)
└三人以上團體報名，每人享有優惠價 5600元
(報名時繳交訂金3000 於7/15晚上12點前 繳清才算完成報名)
Group Register Special (more than 3 people): 5600/person (Deposit 3000 paid by July 15 24:00)
└原價 6500元
Regular: 6500
(以上費用含保險、食宿、交通，約3000元；6堂Workshop課費，約3500元)
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reserve insurance 在 pennyccw Youtube 的最讚貼文

pennyccw By pennyccw

2009-03-05 21:00:54 有 23,639 人看過 有 108 人喜歡
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Allen Iverson doesn't expect his fractured right ring finger to feel better anytime soon.


Taking time off down the stretch, with the Denver Nuggets fighting for a playoff spot, simply isn't an option.

So, he's learned to accept the pain.

Not that the finger affected him Friday night. Iverson scored 28 points, going 9-of-12 from the floor, as the Nuggets blew out the Toronto Raptors 137-105 for their fifth straight win at home.

The Denver guard hit seven straight attempts before missing a 3-pointer early in the third quarter. He also made all 10 of his free throws.

"It felt OK before the game," Iverson said. "Now, it feels that much worse. It's throbbing like a heartbeat."

Iverson, who hurt his finger against San Antonio a week ago, slips on a brace after every game per doctors orders.

"If I didn't wear this brace to keep it straight after every game, there's a chance it will get worse and I'll have to get a pin," he said.

Yet he refuses to wear anything on the finger in a game.

"I'm just real superstitious," Iverson said.

Nuggets coach George Karl would like to get Iverson some rest, but there's no time, not with the Nuggets currently on the outside glancing into the playoffs. They trail Golden State for the last spot.

"I don't think we can lose a [player] because of an injury the rest of the way," Karl said. "It's the time of year where we have to play like it's a playoff circumstance. Everybody is hurting a little bit -- A.I. is probably at the top of the list."

The Nuggets' 137-point output is the second-most points the team has scored this season. They still have the NBA high mark for the season with a 138-point performance in a win at Seattle on Feb. 27.

But Iverson was more impressed with Denver's defensive performance on Friday. The Nuggets held the Raptors to just 3-of-12 shooting from 3-point range. Toronto came in with the top percentage in the league at 41 percent.

"If we come in and do what we what we got to do defensively, nine times out of 10 we're going to take care of business," Iverson said. "We weren't trying to beat them by 30, we just wanted to beat them convincingly."

The Nuggets got their point across.

"Last two games, we're not guarding anybody," said Sam Mitchell, whose team has now dropped three straight to start a five-game road trip. "We're not guarding anybody, and if you're not guarding anybody, you're going to come out of the game."

Carmelo Anthony finished with 22 points, and Marcus Camby had 17 points and 10 rebounds for his 24th double-double of the season.

Chucky Atkins came off the bench to finish with 17 points, including five 3-pointers. Atkins has missed a majority of the season after surgery to repair a right groin/abdominal strain. The Nuggets are trying to work him into the rotation.

"He's a pro," Karl said. "He knows how to play, has a sense for the game."

With a 30-point lead heading into final quarter, the starters were given the rest of the night off -- except Iverson. He played moments into the quarter before being subbed out.

The break would've been nice, but he doesn't think his finger will fully heal until this summer.

"It's going to continue to bother me," he said. "But I'm not going to make any excuses, whether I play good or bad. I won't blame it on the finger."

The Raptors were without Chris Bosh, who missed his eighth straight game because of a sore right knee. Anthony Parker scored 19 points and reserve Carlos Delfino added 16.

"We were nonexistent today and Denver did whatever they wanted offensively," Parker said.

The Nuggets scored 79 points in the first half, the most Toronto has allowed for a half in franchise history. The previous high was 78 which the Los Angeles Clippers scored on the Raptors in the second half on March 13, 1998.

The Raptors also allowed a team-record 44 points in the first quarter.

"This game was fun," said Camby, a former Raptors player. "You always want to beat your former teams, and the guys did a great job."

Game notes
The Nuggets are 13-2 against the Eastern Conference at the Pepsi Center this season. ... Before the game, Toronto announced it had filed a statement of claim against the Spanish Basketball Federation for nonpayment of insurance related Jorge Garbajosa's injury. Garbajosa underwent more surgery on his left leg and ankle on Dec. 11 in Baltimore.

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