[問卦] 鯊魚生魚片為什麼沒人賣?想吃也吃不到
看板 Gossiping
作者
標題 [問卦] 鯊魚生魚片為什麼沒人賣?想吃也吃不到
時間 Mon Feb 7 18:09:22 2022
我是覺得很奇怪啦
大家吃鯊魚只吃魚翅
剩下的丟進海裡
怎麼這麼浪費?
整隻拿去做鯊魚生魚片啊
有沒有鯊魚鯊魚片的八卦?
—
https://i.imgur.com/ANeaGhq.gif
第七代火影
https://i.imgur.com/4YK69K7.gif
小智喝莎莉娜的水壺
https://i.imgur.com/UZ6by8k.gif
第十五班–
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※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 111.184.182.9 (臺灣)
※ 文章代碼(AID): #1Y0E_Khi (Gossiping)
※ 文章網址: https://www.ptt.cc/bbs/Gossiping/M.1644228564.A.AEC.html
→ radiodept …
→ : 能壓那味道

→ : 裝更多魚翅賺錢 才不管你浪不浪費
→ : 臺灣漁民真的一堆都是垃圾
→ : 吃
→ : 還有加薑
→ : 要處理過反而好吃
→ : 其實漁民覺得鯊魚是害魚,常常咬上
→ : 勾的大魚一口,導致虧損,所以捕到
→ : 鯊魚就會想把他幹掉…幹掉之餘唯一
→ : 有價值的就魚鰭…所以並不是特意去
→ : 補鯊魚來賣
→ : 人想吃生魚片了
→ : 一般都是做成魚漿做魚丸吧!
→ ULSHAN …
→ : 即使是鯊魚煙也是很難吃,現在聞到那種味
→ : 道會很想吐
→ : 過這現在捕撈有管制了
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[Use your fingers to “measure the size of your breasts” 4 hands = D cups
Kanban Gossiping
author
title [新聞] You can “measure the size of your breasts” with your fingers. 4 hands = D cup
time Mon Feb 7 23:09:57 2022
Remarks, please put the news article of the offender at the end and delete it
1. Media source: ETtoday News Cloud
2. Reporter’s signature: Reporter Shi Yiyu/Comprehensive report
3. Full news headlines:
You can “measure the size of your breasts” with your fingers. 4 hands = D cup!Her undressing test: really accurate
4. Complete news content:
Girls want to know the breast cup, most of them will use a soft ruler to measure and convert, measure the upper bust and lower bust, you can convert it
Cup size, but some netizens shared a simple, fast and accurate measurement method, “measure with your finger”, one finger
The head represents a cup, first tilt the body forward 45 degrees, place your hand under the chest with a gesture of 4, and look at the nipples vertically to the point
Which finger you know how many cups it is.
The original PO posted on Dcard, and the roommate found a method to measure the cups that is super accurate. After taking off the underwear, the body leans forward 45 degrees.
buckle the thumb, stick the 4 fingers together and hold the lower edge of the chest, and observe which finger the nipple falls to after the nipple is vertical
Head, “One finger represents one cup, if one hand is not enough, you can put both hands side by side, so that there are 8 fingers
energy to H”.
The original PO said that the cups of the roommates are C ~ F, and the measurement is accurate, the error is no more than one finger, “But we
Roommates have a lower circumference of 34 to 36. I am not sure if it is accurate to measure below 32 and above 38. I am curious if it is accurate? “
https://cdn2.ettoday.net/images/6166/6166081.jpg
![[圖]](https://cdn2.ettoday.net/images/6166/6166081.jpg)
▲ Lean your body forward and measure with your fingers. (Picture / Retrieved from Dcard)
As soon as the post came out, many people began to measure, “36D, really four fingers”, “32E, really five fingers”, “I 34
D, rushing to the mirror in an instant is really 4 fingers, so amazing, but the most amazing thing is to be able to discover this method, how does this method work?
I found it”, “36G, I just asked my boyfriend to measure accurately”, “I’m 34D! About 4 and a half fingers! Super cool”, “The roommate is too strong
I have almost 7 to 8 fingers, and I usually wear G or H.”
However, there are also netizens who “measured more than the actual size”, “I measured five, but only C”, “I have four fingers but
32C”, “36D, 6 fingers, is this the new happy cup”, “I measure 4 fingers, but I only have 32B”, “Usually
Big C, small D, 7 fingers, almost double the difference, are you going to buy new underwear?”, “I measure D cups like this, but I wear them.
B”.
5. Full news link (or short URL):
https://www.ettoday.net/news/20220207/2183861.htm?from=ettoday_app
6. Remarks:–
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※ Sending station: PTT Industrial Square (ptt.cc), from: 114.136.180.212 (Taiwan)
※ Article Code (AID): #1Y0JP7Md (Gossiping)
※ Article URL: https://www.ptt.cc/bbs/Gossiping/M.1644246599.A.5A7.html
→ : Come to the police station to protect me
→ : Card…
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[問卦] 老美不曬衣服,都用烘衣機嗎?
看板 Gossiping
作者
標題 [問卦] 老美不曬衣服,都用烘衣機嗎?
時間 Tue Feb 8 13:14:31 2022
北部陰雨綿綿,衣服都有種濕濕的感覺,
所以最近也在研究是否買台烘衣機來用。
上網爬一下文,眾說紛云,有人說很多衣
服都不能烘的。
忽然想到,老美不是都不曬衣服,都是用
烘的??那他們都不怕衣服烘壞掉?
—
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※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 1.162.98.174 (臺灣)
※ 文章代碼(AID): #1Y0VmwXJ (Gossiping)
※ 文章網址: https://www.ptt.cc/bbs/Gossiping/M.1644297274.A.853.html
→ : 他們氣候跟我們很不一樣,乾的地方很乾
→ : GAP可以烘的比例也滿高
→ : H&M 大約一半吧
→ : 乎沒遇過不能烘的
→ : .不能烘
→ : 真的壞掉再買新的就好了啊
→ : 所以衣服都拿去烘+1
→ : 我們晾不乾的衣服就這樣處理。以前住的
→ : 子越烘越小,長褲也越烘越短。
→ : 可以用溫風模式 甚至冷風 不會縮啊
![[圖]](https://i4.disp.cc/imgur/r9re7pXh.jpg)
![[圖]](https://i4.disp.cc/imgur/IAU7OVk.jpg)
![[圖]](https://i4.disp.cc/imgur/LtDEz37.jpg)
![[圖]](https://i4.disp.cc/imgur/sGrp8Vlh.jpg)
→ : 用烘衣機還是太粗糙。
→ : 美國人沒文化不是說假的,根本不會好好穿
→ : 衣服...
→ neil0611 …
→ : 洗完拿出去曬可能會變冷凍衣服吧
→ lain2002 …
→ : 子
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U.S. study: occasional fasting can fight dementia!
[Good Morning Health/Chen Yuwen]According to a report from the National Institute on Aging (NIA) of the US National Institutes of Health, if the elderly consume only 500 calories 1-2 days a week, they can promote the secretion of a chemical molecule in the brain , a molecule that stimulates nerve growth and helps fight degenerative brain diseases such as Alzheimer’s and Parkinson’s.
The research team found that when the human body is starving, there are two types of chemical communication molecules in the brain that increase, and these chemical molecules stimulate the nerves in the brain to start proliferating. “Just like exercise puts pressure on muscles, there is a mild stress on the brain when you starve, and that stress is good for the brain as a whole.” This is Mark Mattson, director of the Neuroscience Laboratory at the Institute of Aging. Arguments presented by professors at the American Association for the Advancement of Science (AAAS) meeting.
Dieting delays brain disease
In fact, some previous studies have supported the argument of dieting for health. One study found that proper dieting can increase the lifespan of mice by 40%, and a similar effect occurs in humans. But this study went a step further, finding that the reason why dieting increases lifespan is to delay the onset of diseases, such as strokes.
How should you eat during this period of fasting? Mattson said,
500 calories a day is enough, about a few servings of vegetables plus tea,He says:"
Not eating at all is not the best approach, but intermittent fasting should be, which means that you hardly eat anything in a short period of time, and do not particularly regulate yourself at other times. In doing so, Mattson emphasizes, finding the best "time point" for fasting becomes very important throughout the course of treatment.
hunger=crisis
Brain potential stimulated
The research team also put forward an evolutionary point of view: "When food became scarce, the ancestors of mankind had to rack their brains to find food to survive, they had to think hard about where there might be food, and at the same time did everything possible to protect themselves from others. The beasts eat it." However, if there are elderly people with chronic or serious illnesses at home, it is still necessary to go to the hospital for nutritional consultation to learn how to eat the best. After all, everyone’s physical condition and medical condition are different, so don’t take action rashly until you have enough information.
People who read this article also read...
Prevent neurodegenerative diseases! Drink coffee like this to stay away from dementia and Parkinson’s disease
Coffee and neurological diseases
The general public thinks that drinking 200 mg of caffeine (about 2.5 cups of coffee) in one breath, or drinking no more than 400 mg of caffeine (5 cups) a day, is not harmful to the body, and has no effect on the alertness of the brain and nervous system. Health, concentration can help, and can reduce the risk of depression, as well as strengthening the effect of medication on headaches.
Long-term use of coffee or caffeine may prevent cognitive decline and reduce the risk of stroke, Parkinson’s disease, and Alzheimer’s disease, but may increase anxiety and disrupt sleep in some people.
In terms of epilepsy, the role of coffee is still controversial. In animal model studies, it was found that short-term use of caffeine will reduce the threshold of epilepsy and make seizures easier. On the contrary, in human studies, long-term use of coffee/caffeine has been found to reduce the risk of seizures. Reduces seizures and reduces brain damage in status epilepticus.
Kahweol protects nerve cells from damage, such as the neurotoxin 6-hydroxydopamine (6-OHDA), a neurotoxin that causes Parkinson's disease. Studies have found that cafestol can induce heme oxygenase-1 (heme oxygenase-1) through phosphatidylinositol 3-kinase (PI3K) and p38/Nrf2 pathways, and is derived from 6-hydroxyl 6-hydroxydopamine-derived oxidative stress to protect dopamine neurons.
Coffee reduces relative risk of Parkinson's disease through multiple mechanisms
Parkinson's disease (Parkinson's disease) is a neurodegenerative disease with an incidence second only to Alzheimer's disease. The cause is still unknown, but it is related to the degeneration of brain cells in the substantia nigra, which cannot produce enough dopamine (dopamine).
Why do substantia nigra cells degenerate? It is not clear, but it is speculated that it may be related to genetic, environmental or life factors, such as the abuse of antibiotics, heavy metal pollution, etc. Several recent studies have shown that drinking coffee can actually prevent Parkinson's disease.
60 to 80% of people with Parkinson's disease have constipation problems that start 10 to 20 years before symptoms appear. In 2014, a team from the Department of Neurology of National Taiwan University Hospital analyzed 550,000 Parkinson's disease cases in the health insurance database, and it was again confirmed that people with constipation problems had a much higher chance of developing Parkinson's disease in the future than the general population, and the more severe the constipation, the more severe the constipation. , the higher the probability.
((How many cups of coffee should I drink to reduce the risk of dementia? The answer is on the next page))
英美视觉媒体公司:盖帝图像 Getty Images Holdings, Inc.(GETY) – 美股之家 – 港美股开户投资IPO百科全书
蓋帝圖像公司Getty Images Holdings, Inc.(NYSE:GETY)創立於1995年3月14日,總部位於美國華盛頓州西雅圖,是一家美國圖片交易公司,旗下子公司(子品牌)包括iStock、Unsplash、Thinkstock、WireImage、FilmMagic、Photos.com、Image.net、Tony Stone Images、Hulton Getty、Contour Collection、Comstock、Jupiterimages、Redferns、The Image Bank。
蓋帝圖像Getty Images Holdings, Inc.(GETY)美股百科:
Getty Images, Inc.(風格化為gettyimages)是一家英美視覺媒體公司,是一家為企業和消費者提供庫存圖片、編輯攝影、視頻和音樂的供應商,擁有超過2 億資產的檔案。它針對三個市場——創意專業人士(廣告和平面設計)、媒體(印刷和在線出版)和企業(內部設計、營銷和傳播部門)。
蓋蒂圖像公司在世界各地設有分銷辦事處,並利用互聯網進行分銷。由於Getty 收購了其他較舊的攝影機構和檔案館,因此已將其收藏數字化,從而實現在線分發。 Getty Images 運營著一個大型商業網站,客戶使用該網站搜索和瀏覽圖像、購買使用權和下載圖像。圖像價格因分辨率和權利類型而異。該公司還為企業客戶提供定制照片服務。
Getty Images 提供全方位的內容解決方案,以滿足全球客戶的需求。憑藉包括Getty Images、iStock 和Unsplash 品牌在內的廣泛產品組合,該公司接觸並授權了廣泛的全球客戶群,從國際企業到業餘創作者。 Getty Images 的優質圖書館以數據驅動的洞察力和獨家內容為基礎,包括廣泛的檔案以及與領先媒體、娛樂和體育組織的合作夥伴關係。此外,其專有的搜索和計算機視覺技術驅動了一個卓越的內容平台,讓客戶可以充滿信心地進行創作。
Getty Images 是卓越的全球視覺內容創建者和市場,提供全方位的內容解決方案,以滿足全球任何客戶的需求,無論其規模大小。通過其Getty Images、iStock 和Unsplash 品牌、網站和API,Getty Images 為世界上幾乎每個國家的超過100 萬客戶提供服務,並且是人們發現、購買和分享來自世界上最好的攝影師的強大視覺內容的第一站。 Getty Images 與超過450,000 名貢獻者和300 多個內容合作夥伴合作,提供這種強大而全面的內容。 Getty Images 每年都會報導超過160,000 場新聞、體育和娛樂活動,提供無與倫比的深度和廣度。 Getty Images 擁有世界上最大、最好的私人攝影檔案之一,擁有超過1.35 億張可追溯到攝影初期的圖像。
蓋帝圖像Getty Images Holdings, Inc.(GETY)歷史百科:
1995 年,Mark Getty 和首席執行官Jonathan Klein 在倫敦共同創立了Getty Investments LLC。馬克蓋蒂是該公司的董事長。 1997 年9 月,當時名為Getty Communications 的公司與PhotoDisc, Inc. 合併,成立了Getty Images。兩年後,該公司遷至西雅圖,並在美國擴張,到2006 年員工人數達到2,000 人。 2003 年4 月,Getty Images 與法新社(AFP) 建立合作夥伴關係,以營銷彼此的圖像。
自成立以來,Getty Images 一直在推行一項積極的收購計劃,收購了許多建立了股票攝影行業的私營機構,從小型家族企業到大型機構。 1999 年,它收購了最大的機構之一Tony Stone Images;在線藝術品銷售商Art.com;體育攝影機構Allsport;比荷盧經濟聯盟和斯堪的納維亞的市場領導者:Word View(1996 年,來自Bert Blokhuis 先生,四個辦公室,金額未公開);新聞專家聯絡機構; Newsmakers,第一家數字新聞圖片社; Online USA,名人拍攝專家;和Hulton Press Library,英國攝影新聞雜誌Picture Post 的前檔案館。 Hulton 系列於1988 年由BBC 出售給Brian Deutsch,並更名為Hulton Deutsch。 1996 年,Hulton 系列再次出售,這次由Getty Images 購買並更名為Hulton Getty。通過收購Hulton 圖書館,Getty Images 獲得了可追溯到19 世紀的英國新聞檔案中約1500 萬張照片的所有權。 Hulton Getty 還收錄了Keystone Collection 的照片,以及Bert Hardy、Bill Brandt、Weegee 和Ernst Haas 等著名攝影師的照片。
通過收購EyeWire 和Energy Film Library,Getty 已涉足庫存音頻、音樂和音效,以及視頻。 Getty 已與包括Slidely 在內的其他公司合作,讓公司和廣告商使用包含大約200 萬個視頻的Getty Images 視頻庫。
2000 年,蓋蒂以1.83 億美元的價格收購了其主要競爭對手之一,紐約檔案館照片(The Image Bank 的一個部門)。檔案照片庫與Hulton Getty 收藏相結合,形成了一個新的子公司Hulton Archive。 Archive Photos 於1990 年由Pictorial Parade(估計於1935 年)和Frederick Lewis Stock Photos(估計於1938 年)合併而成,這兩家美國著名的攝影機構。他們的收藏包括來自《紐約時報》、節拍器和喬治·伊士曼之家的檔案圖片,以及Ruth Orkin、Anacleto Rapping、Deborah Feingold、Murray Garrett、Nat Fein 和John Filo 等攝影師的作品。
隨後進行了進一步的收購,2004 年以2000 萬美元的價格收購了image.net。 2006 年2 月9 日,微圖片網站iStockphoto 被Getty Images 以5000 萬美元收購。 Getty Images 於2007 年2 月收購了Michael Ochs Archives。 2007 年,蓋蒂以2.07 億美元成功收購了其最大的競爭對手MediaVast。此次收購讓Getty Images 控制了WireImage(娛樂、創意和體育攝影)、FilmMagic(時尚和紅地毯攝影)和Contour Photos(肖像和工作室攝影)。 Getty Images 還收購了其他子公司,包括Master Delegates,其中包括布拉格的Isifa Image Service 和意大利的Laura Ronchi。 2008 年,蓋蒂收購了英國爵士攝影師大衛·雷德芬(David Redfern) 建立的音樂圖片庫Redferns Music Picture Library。
2008 年,私募股權公司 Hellman & Friedman (H&F) 以24 億美元收購了Getty Images。 2012 年,H&F 將Getty 掛牌出售。在隨後出售給凱雷集團時,據說該公司擁有一個檔案,其中包括8000 萬張劇照和插圖。該公司於2018 年被蓋蒂家族收購。
2008 年10 月23 日,Getty Images 宣布他們打算以9600 萬美元現金收購Jupitermedia 的在線圖像部門Jupiterimages。出售於2009 年2 月進行; Jupiterimages(包括網站stock.xchng 和StockXpert)現在是Getty 的全資子公司。 Jupitermedia 現在作為WebMediaBrands 進行交易,繼續其互聯網出版業務,但他們並未將其出售給Getty Images。
2015 年,Jonathan Klein 成為公司董事長,Dawn Airey 被聘為Getty Images 的首席執行官(CEO)。 Airey 一直擔任該職位直到2018 年12 月31 日,在那時她成為其董事會的非執行董事。
2016 年1 月25 日,Corbis 宣布已將其圖像許可業務(包括Corbis Images、Corbis Motion 和Veer 庫及其相關資產)出售給Unity Glory,後者是Getty 在中國的獨家經銷商視覺中國集團的附屬公司。同時,宣布VCG 將在過渡期後將Corbis 圖書館在中國以外的分銷和營銷許可給Getty。 Getty 現在代表VCG 和Unity Glory 管理Corbis 的物理檔案。
2019 年,Getty Images 推出了Market Freeze,簡化了版權管理圖像的排他性。那年晚些時候,它宣布由於客戶需求的變化,它計劃到2020 年逐步淘汰版權管理圖像,轉而使用免版稅圖像。
2021 年3 月,Getty Images 以未公開的價格收購了Unsplash,這是一個免費使用的圖庫攝影網站。
蓋帝圖像Getty Images Holdings, Inc.(GETY)上市:
2021 年12 月10 日,卓越的全球視覺內容創作者和市場Getty Images 當天宣布已與由CC Capital 和Neuberger Berman 合作成立的公開交易的特殊目的收購公司 CC Neuberger Principal Holdings II(NYSE:PRPB)達成業務合併協議。交易完成後,Getty Images 新成立的母公司將成為一家上市公司,其普通股預計將在紐約證券交易所上市,代碼為“GETY”。 Craig Peters 於2007 年加入公司並自2019 年起擔任首席執行官,將繼續領導交易後的業務。
合併後公司的董事會將包括由Getty Family、Koch Equity Development 和CC Neuberger 發起人任命的一批經驗豐富的運營商、上市公司高管和投資者。 Getty Images 的聯合創始人Mark Getty 將繼續擔任董事長。大多數董事將是獨立的,符合紐約證券交易所適用的上市規則。
該交易已獲得CC Neuberger 董事會和Getty Images 董事會的一致批准,此次業務合併對Getty Images 的企業估值為48 億美元,現有普通股股東將在交易中將其100% 的股權轉入合併後公司,預計在交易完成時,現有優先股股東將擁有合併後公司約64% 的股份。
2022年7月20日,CC Neuberger Principal Holdings II (NYSE:PRPB) 宣布,其股東在7 月19 日的特別會議上批准了其與視覺內容市場Getty 的合併。
蓋帝圖像Getty Images Holdings, Inc.(GETY)美股投資:
【2022 美股開戶推薦】拉美地區金融科技獨角獸”Nubank紐交所上市:市值超400億美元
雷递网 雷建平 12月9日报道
拉美地区金融科技独角兽、巴西数字银行Nubank母公司——Nu Holdings(股票代码为:“NU”)今日在纽交所上市。
Nu Holdings发行价为9美元,发行2.89亿股,募资总额为26亿美元。
Nu Holdings共获得13亿美元的基石投资,包括Sequoia Capital(红杉资本)、Tiger Global、SoftBank Latin America Funds、Dragoneer Investment 、Baillie Gifford Overseas、Sands Capital Management等基金。
Nubank的发行价较最初的发行区间有所下调,募资规模有所缩水。不过,以发行价计算,Nubank的市值依然达到415亿美元。
Nubank还会同期在巴西B3证券交易所上市,成拉丁美洲最大的公司之一。
前9个月营收10.62亿美元
Nubank成立于2013年,总部位于巴西圣保罗,创始人是David Vélez。
David Vélez是哥伦比亚人,据说12岁就靠着打工攒下的钱买奶牛,后来又用奶牛挣来的钱支付学费。
David Vélez曾在红杉资本巴西分公司工作,但当时拉美投资环境不成熟,红杉关闭拉美业务,David Vélez下场创业。红杉就持续加持了David Vélez。
当时,David Vélez意识到在巴西,普通人跟银行打不上交道,因为这里的银行被巨头控制、极高ROE、偏低的覆盖率,名目繁多的收费和糟糕的服务是巴西银行业的典型特征。
也没有人敢与这些银行竞争,因为它们往往由当地最大或最富有的家族所掌控。所有这些都为Nubank提供了机会。
Nubank于2014年开始发行信用卡,并且发行门槛不高,因为不需要许可证限制。信用卡没有年费,整个过程可以通过移动APP进行控制,每月利率从2.75%到14%不等。
与传统银行相比,这些便捷,廉价的服务自然受到用户的欢迎。
除提供不收取年费的国际信用卡,Nubank还提供免费数字账户NuConta和积分奖励计划Nubank Reward等,所有服务都基于应用程序进行管理。
目前,Nubank主要为巴西和墨西哥的客户提供服务,也在扩展到拉丁美洲的其他地区。
在过去一年,Nubank的产品实现了多样化,还包括投资、个人贷款、即时支付、人寿保险和国际转账。疫情的爆发,更是加速了Nubank的发展。
截至2021年9月30日,Nubank已获4810万客户,月活客户超过3500万。这些客户中约有4700万是个人消费者,Nubank还拥有110万家中小企业客户。
Nubank在2018年、2019年、2020年营收分别为3.19亿美元、6.12亿美元、7.37亿美元;毛利分别为1.12亿美元、2.48亿美元、3.27亿美元。
Nubank在2018年、2019年、2020年运营亏损分别为2860万美元、9250万美元、1.72亿美元。
Nubank在2021年前9个月营收10.62亿美元,上年同期营收为5.35亿美元;毛利为5亿美元,上年同期毛利为2.5亿美元;运营亏损为9910万美元,上年同期的运营亏损为6440万美元。
Nubank营收在持续高速增长,当然,Nubank收入来源很大程度上是依赖于“发卡业务”——依赖信用卡业务,而巴西政府和银行正讨论新的法律政策、监管举措,这很可能对这一业务产生不利影响。
例如,巴西政府在2021年7月曾对消费者保护法进行修订,新规定要求在发放信贷或分期付款销售时向消费者提供具体信息,包括月利率、拖欠和滞纳金利息等。同时,越来越多对手加入这个行业,Nubank也面临着激烈竞争。
腾讯红杉巴菲特是股东
成立至今,Nubank经历了多轮融资,融资超过10亿美元。
其中,腾讯于2018年向Nubank投资1.8亿美元,获少数股权;2019年7月,Nubank获投4亿美元战略投资融资,Technology Crossover Ventures领投、Sequoia Capital(红杉海外)、Ribbit Capital跟投。
2021年6月,Nubank获得7.5亿美元的G+轮融资,其中,巴菲特旗下伯克希尔哈撒韦注资5亿美元,公司估值达到300亿美元。
IPO前,David Vélez持有86.2%的B类股,及75.8%的投票权,Sequoia Capital有25%的A类股,及3%的投票权;
DST有13.1%的A类股及1.6%的投票权,腾讯有8.9%的A类股,及0.2%的投票权,Tiger Global有7.9%的A类股,及0.7%的投票权。
IPO后,David Vélez持有86.2%的B类股,及75%的投票权,Sequoia Capital有22.9%的A类股,及3%的投票权;
DST有12%的A类股及1.6%的投票权,腾讯有8.1%的A类股,及1.1%的投票权,Tiger Global有7.2%的A类股,及0.9%的投票权。
以下是Nubank路演PPT(雷递网精编处理):
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雷递由资深媒体人雷建平创办,若转载请写明来源。
免责声明:上述内容仅代表发帖人个人观点,不构成本平台的任何投资建议。
【2022 美股開戶推薦】拉美地區金融科技獨角獸”Nubank紐交所上市:市值超400億美元
雷递网 雷建平 12月9日报道
拉美地区金融科技独角兽、巴西数字银行Nubank母公司——Nu Holdings(股票代码为:“NU”)今日在纽交所上市。
Nu Holdings发行价为9美元,发行2.89亿股,募资总额为26亿美元。
Nu Holdings共获得13亿美元的基石投资,包括Sequoia Capital(红杉资本)、Tiger Global、SoftBank Latin America Funds、Dragoneer Investment 、Baillie Gifford Overseas、Sands Capital Management等基金。
Nubank的发行价较最初的发行区间有所下调,募资规模有所缩水。不过,以发行价计算,Nubank的市值依然达到415亿美元。
Nubank还会同期在巴西B3证券交易所上市,成拉丁美洲最大的公司之一。
前9个月营收10.62亿美元
Nubank成立于2013年,总部位于巴西圣保罗,创始人是David Vélez。
David Vélez是哥伦比亚人,据说12岁就靠着打工攒下的钱买奶牛,后来又用奶牛挣来的钱支付学费。
David Vélez曾在红杉资本巴西分公司工作,但当时拉美投资环境不成熟,红杉关闭拉美业务,David Vélez下场创业。红杉就持续加持了David Vélez。
当时,David Vélez意识到在巴西,普通人跟银行打不上交道,因为这里的银行被巨头控制、极高ROE、偏低的覆盖率,名目繁多的收费和糟糕的服务是巴西银行业的典型特征。
也没有人敢与这些银行竞争,因为它们往往由当地最大或最富有的家族所掌控。所有这些都为Nubank提供了机会。
Nubank于2014年开始发行信用卡,并且发行门槛不高,因为不需要许可证限制。信用卡没有年费,整个过程可以通过移动APP进行控制,每月利率从2.75%到14%不等。
与传统银行相比,这些便捷,廉价的服务自然受到用户的欢迎。
除提供不收取年费的国际信用卡,Nubank还提供免费数字账户NuConta和积分奖励计划Nubank Reward等,所有服务都基于应用程序进行管理。
目前,Nubank主要为巴西和墨西哥的客户提供服务,也在扩展到拉丁美洲的其他地区。
在过去一年,Nubank的产品实现了多样化,还包括投资、个人贷款、即时支付、人寿保险和国际转账。疫情的爆发,更是加速了Nubank的发展。
截至2021年9月30日,Nubank已获4810万客户,月活客户超过3500万。这些客户中约有4700万是个人消费者,Nubank还拥有110万家中小企业客户。
Nubank在2018年、2019年、2020年营收分别为3.19亿美元、6.12亿美元、7.37亿美元;毛利分别为1.12亿美元、2.48亿美元、3.27亿美元。
Nubank在2018年、2019年、2020年运营亏损分别为2860万美元、9250万美元、1.72亿美元。
Nubank在2021年前9个月营收10.62亿美元,上年同期营收为5.35亿美元;毛利为5亿美元,上年同期毛利为2.5亿美元;运营亏损为9910万美元,上年同期的运营亏损为6440万美元。
Nubank营收在持续高速增长,当然,Nubank收入来源很大程度上是依赖于“发卡业务”——依赖信用卡业务,而巴西政府和银行正讨论新的法律政策、监管举措,这很可能对这一业务产生不利影响。
例如,巴西政府在2021年7月曾对消费者保护法进行修订,新规定要求在发放信贷或分期付款销售时向消费者提供具体信息,包括月利率、拖欠和滞纳金利息等。同时,越来越多对手加入这个行业,Nubank也面临着激烈竞争。
腾讯红杉巴菲特是股东
成立至今,Nubank经历了多轮融资,融资超过10亿美元。
其中,腾讯于2018年向Nubank投资1.8亿美元,获少数股权;2019年7月,Nubank获投4亿美元战略投资融资,Technology Crossover Ventures领投、Sequoia Capital(红杉海外)、Ribbit Capital跟投。
2021年6月,Nubank获得7.5亿美元的G+轮融资,其中,巴菲特旗下伯克希尔哈撒韦注资5亿美元,公司估值达到300亿美元。
IPO前,David Vélez持有86.2%的B类股,及75.8%的投票权,Sequoia Capital有25%的A类股,及3%的投票权;
DST有13.1%的A类股及1.6%的投票权,腾讯有8.9%的A类股,及0.2%的投票权,Tiger Global有7.9%的A类股,及0.7%的投票权。
IPO后,David Vélez持有86.2%的B类股,及75%的投票权,Sequoia Capital有22.9%的A类股,及3%的投票权;
DST有12%的A类股及1.6%的投票权,腾讯有8.1%的A类股,及1.1%的投票权,Tiger Global有7.2%的A类股,及0.9%的投票权。
以下是Nubank路演PPT(雷递网精编处理):
———————————————
雷递由资深媒体人雷建平创办,若转载请写明来源。
免责声明:上述内容仅代表发帖人个人观点,不构成本平台的任何投资建议。
How to brush your teeth? Dentists crack 3 misconceptions to teach you the right time to brush your teeth!

Brushing our teeth sounds simple. Since childhood, we have been taught to brush our teeth every day and after three meals, otherwise we will get tooth decay, bad breath, periodontal disease, and rotten teeth, and we have to clean our teeth once every six months to ensure dental health. Theoretically, brushing is something we should do every day, but according to a survey by the National Health Service, as many as 99.2% of adults in Taiwan have periodontal problems. This figure represents at least several meanings.
- Many people do not brush their teeth at the right time
- Many people do not brush their teeth the right way
- Many people are not clear about the choice of toothbrush and toothpaste
There is never a shortage of news about brushing. Some people say that you can’t brush your teeth immediately after drinking acid. Is it true? I have heard that human beings do not need toothpaste at all, and that a toothbrush is enough? In order to answer these questions, the two dentist partners of the MedPartner team will explain in detail what you need to know about brushing your teeth through this article.
Without further ado, let’s get to the lesson!
What are you brushing? The focus is on removing plaque!
According to the National Health Bureau, 75% of the nationals brush their teeth at least twice a day, but as many as 99% of them have periodontal disease of varying severity, and the rate of tooth decay in children under 6 years old is as high as 80%. The answer is revealed: you can’t brush your teeth.
I know you’re thinking, “You can’t brush your teeth? I brush my teeth every day! You need to teach me how to do that?” But do you really know how to brush your teeth properly? Ever since you were a kid, like studying English math, there was a textbook telling you how to brush? Many people do brush their teeth, but they really get the point wrong and do it the wrong way.
Brush your teeth to get rid of plaque
Brushing your teeth is not just a matter of taking a brush to your mouth and snoring it around. What is plaque? You can think of it as the biofilm in your mouth. Okay, the next question is, what is biofilm?
Biofilm is a combination of microorganisms and organic matter on a hard surface. You can think of it as a colony of bacteria on the surface of your teeth.
The acid produced by the metabolism of the bacteria in plaque can erode the enamel on the surface of the teeth. Although enamel is the hardest part of the body, it does not have good resistance to acid, and the accumulated damage will cause tooth decay and cavities.
Plaque is not only on the teeth, but also in the gingival sulcus, which can lead to inflammation, resulting in the gradual destruction of the surrounding tissues and the loss of the alveolar bone that supports the teeth, and without the foundation to support the teeth, the teeth will gradually fall off. This is the periodontal disease that dentists are most concerned about.
Therefore, when cleaning, special attention should be paid to areas where plaque is likely to accumulate, such as
Side of the teeth
The area where the teeth and gums meet
Grooves and depressions on the teeth
Rougher surfaces on the teeth
The picture above is colored with plaque revealer to show the dead spots that are easily created by regular cleaning. The colored part is the plaque.
The most effective way to get rid of plaque is by physical force, such as brushing with bristles or flossing. Using mouthwash alone may only kill the bacteria on the surface of the plaque, but it does not completely remove the tribe of bacteria.
Many mouthwash manufacturers will say that they can kill a certain percentage of bacteria, but what they don’t tell you is that the bacteria they can kill are only on the surface of the plaque, as long as the plaque is not really removed, the bacteria will continue to grow next.
Brush your teeth without implementation, beware of tartar
If you brush your teeth properly, you are less likely to leave plaque behind. However, as I said earlier, too many people do not brush their teeth properly and the plaque left behind will calcify and form tartar.
When tartar is formed, it is difficult to remove it with a toothbrush or dental floss. The rough surface of the tartar will allow bacteria to attach better and cause more plaque to accumulate, resulting in a more serious inflammatory reaction. This is why you need to go to the dentist every six months for a dental cleaning and oral examination!
Seeing this, you should make up your mind to brush your teeth properly (?) But if you want to be good at what you do, you have to be good at what you do, so you should want to go to a weapon store and buy a prop, right? Then how to choose a toothbrush and toothpaste?
How to choose a toothbrush? Toothpaste and toothbrush selection principles
Before brushing your teeth, we must have a suitable toothbrush, there is a wide range of toothbrushes in the market, all kinds of shapes and colors, but in fact, you only need to grasp the following important principles for toothbrush selection.
How to choose a toothbrush
1.Soft bristles: Using a toothbrush with too hard bristles will cause damage to your teeth and gums, and it is also easy to brush your teeth with improper force, which can lead to problems such as sensitive teeth.
2.Small head: A toothbrush with too large a head will have many dead ends when brushing, especially when brushing large molars and other locations because the brush head is stuck in soft tissue causing unclean brushing
3.Upright bristles: Upright bristles allow the bristles to clean the surface of the teeth efficiently when the hand is moving. Don’t make the bristles too dense: too dense bristles tend to get stuck in food residue, and the toothbrush itself is not easy to clean and can easily become a breeding ground for bacteria.
Also remind, when the toothbrush is used for a period of time, the bristles will split, it is time to replace the toothbrush, keep the bristles upright in order to efficiently and do not hurt the gums to brush your teeth oh.
The role of toothpaste in toothbrushing
The main ingredients of most toothpastes are similar, but there are so many different kinds of toothpastes on the market because of the different kinds of auxiliary properties, the addition of different ingredients, and the respective brands and packaging.
The ingredients in toothpaste help remove surface stains and help prevent tooth decay through fluoride. All toothpastes certified by the American Dental Asscociation contain fluoride, which has the ability to prevent tooth decay. When it comes to toothpaste selection, choose toothpaste with different auxiliary properties depending on your needs, such as anti-sensitivity or periodontal anti-inflammatory.
For most people, the most effective way to prevent tooth decay is to use toothpaste with fluoride and the correct brushing method.
When is the right time to brush teeth? Can’t I brush after eating something sour?
The next question that we are most concerned about is when is the right time to brush our teeth?
The most commonly heard practice is “Brush 333”, which suggests brushing after three meals and before going to bed, and brushing within 3 minutes after meals, and brushing for at least 3 minutes each time.
However, the American Dental Association (ADA) offers a different recommendation on how often to brush after meals. The main reason is that the enamel of the teeth is very acidic and if you brush your teeth immediately after eating acidic foods, these acids may cause more wear to the teeth.
This seems to be different from brushing 333. So what can we do? Let’s take a serious look at it together.
The interval between brushing and eating acid has different effects on enamel and ivory
In a 2001 and 2004 German study on brushing after acid exposure (Ref. 2.3), teeth were divided into six groups and each group was first soaked in sprite light (Sprite, pH 2.9) for 90 seconds, and then immediately, for 10 minutes, for 20 minutes, for 30 minutes, and for 60 minutes. The results showed that brushing after 60 minutes caused the least damage in the group with brushing, but even in the group with brushing after 60 minutes, the damage to tooth enamel was significantly higher than that in the group without brushing.
In 2004, a similar experiment was conducted on the dentin (also known as ivory, the inner layer of enamel), which was also divided into six groups and treated with sprite light for 90 seconds.
Therefore, to summarize, the timing of brushing is basically after three meals and before bedtime, and at least 3 minutes per brushing. However, there is a special situation, if you have eaten or drank a particularly acidic food or drink, do not brush your teeth immediately, you can wait for a period of time before brushing, during which you can rinse your mouth with water or chew sugar-free gum to reduce the acidity on your teeth.
But speaking of which, there is still a problem! It’s really hard to brush your teeth 333 times, so if you can’t do it, is there a compromise? For dentists, instead of giving you a requirement that you can’t do, it’s better to give a standard that you can do, and it’s better to brush than not brush at all (sigh). The American Dental Association’s most basic requirement for brushing is.
- Brush your teeth at least twice a day. The American Dental Association does not recommend a specific time. On balance, we usually recommend once in the morning and once in the evening, after breakfast and before bedtime. Thorough brushing at least two times will get rid of most plaque.
- Floss properly at least once a day. Flossing removes food debris and plaque from between your teeth, which your toothbrush can’t handle.
Study: Coffee helps prevent Alzheimer’s, Parkinson’s! Which is better: dark roast or light roast?

A new study recently found that a cup of coffee in the morning not only lifts the spirits, but also protects against Alzheimer’s and Parkinson’s disease. Researchers at the Dolan-Doklopil Brain Institute found that phenylindanes, a chemical breakdown product of chlorogenic acid lactones in roasted coffee, inhibits the growth of Tau proteins and beta amyloid plaques, two proteins associated with increased risk of two diseases in the brain.
Regular Caffeine Intake May Help Prevent Dementia
According to Alzheimer’s and Dementia Weekly, Dr. Donald Weaver, co-director of the Crumbill Brain Institute, noted that coffee consumption appears to be associated with a reduced risk of Alzheimer’s and Parkinson’s disease, and they want to investigate what the cause is, what compounds are involved, and how it affects age-related cognitive decline.
Other studies have found that regular caffeine intake may help prevent dementia, AARP said. A study published in the Journal of Alzheimer’s Disease, which looked at people aged 65 to 84, showed that people who drank one to two cups of coffee a day were less likely to have mild cognitive impairment than those who never drank coffee. The American Association of Retired Persons pointed out that similar studies have found that coffee can even prevent Parkinson’s disease.
Dark-roasted coffee is more protective than light-roasted coffee
However, Canadian researchers have ruled out caffeine as a source of brain protection because even decaffeinated roasted coffee is beneficial in preventing dementia. The team determined that phenyl lindane, obtained through roasted coffee, is a beneficial compound that inhibits the aggregation of Tau and beta amyloid proteins in the brain associated with Alzheimer’s and Parkinson’s diseases.
The researchers also found that dark-roasted coffee, which contains more phenyl lindane, was more protective than light-roasted coffee, and the next step in the study is to measure how these compounds get into the bloodstream and cross the blood-brain barrier, and the good news is that phenyl lindane is a natural compound that has medicinal advantages over synthetic products. Dr. Weaver said that before coffee can be used to treat Alzheimer’s or Parkinson’s, more research is needed.