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- LINALICIALINALICIA
  ·2021-07-20
  🥺
  Virgin Galactic fell over 7% in morning trading<blockquote>维珍银河早盘跌超7%</blockquote>
  (July 20) Virgin Galactic fell over 7% in morning trading. Minutes ago, Jeff Bezos reaches space on
  Virgin Galactic fell over 7% in morning trading<blockquote>维珍银河早盘跌超7%</blockquote>
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- LINALICIALINALICIA
  ·2021-07-15
  Best
  非常抱歉，此主贴已删除
  1,322 评论
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- LINALICIALINALICIA
  ·2021-07-07
  Nice
  非常抱歉，此主贴已删除
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- LINALICIALINALICIA
  ·2021-07-05
  Cool
  5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>
  Federal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will
  5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>
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- LINALICIALINALICIA
  ·2021-07-02
  WOW
  3 Expensive Tech Stocks to Buy in the Next Market Crash<blockquote>下一次市场崩盘时值得买入的3只昂贵科技股</blockquote>
  Get ready to buy Snowflake and two other hot tech stocks if this frothy market collapses.
  3 Expensive Tech Stocks to Buy in the Next Market Crash<blockquote>下一次市场崩盘时值得买入的3只昂贵科技股</blockquote>
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- LINALICIALINALICIA
  ·2021-06-23
  Wow
  非常抱歉，此主贴已删除
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21:55</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>(July 20)&nbsp;<a href=\"https://laohu8.com/S/SPCE\">Virgin Galactic</a> fell over 7% in morning trading.&nbsp;Minutes ago, Jeff Bezos reaches space on Blue Origin’s first crewed launch</p><p><blockquote>（7月20日）<a href=\"https://laohu8.com/S/SPCE\">维珍银河</a>早盘跌超7%。几分钟前，杰夫·贝索斯乘坐蓝色起源首次载人发射抵达太空</blockquote></p><p> <img src=\"https://static.tigerbbs.com/e08838544d173bf3e12d08989cc775e1\" tg-width=\"709\" tg-height=\"547\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SPCE":"维珍银河"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1182166123","content_text":"(July 20) Virgin Galactic fell over 7% in morning trading. Minutes ago, Jeff Bezos reaches space on Blue Origin’s first crewed 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09:45","market":"us","language":"en","title":"5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1171891885","media":"MoneyWise","summary":"Federal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will","content":"<p>Federal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will keep its benchmark interest rate near zero for the time being, despite gains made by the U.S. economy in recent months.</p><p><blockquote>美联储主席杰罗姆·鲍威尔（如图）及其同事表示，尽管美国经济近几个月有所增长，但美联储将暂时将基准利率维持在接近零的水平。</blockquote></p><p> But rates won’t stay low forever. As the economy recovers from the worst of the COVID-19 pandemic, inflation is rising and more people are getting back to work. This has led the Fed to indicate a rate hike could come as soon as 2023 — moved up from its previous plan to wait until 2024.</p><p><blockquote>但利率不会永远保持在低位。随着经济从COVID-19大流行最严重的时期中复苏，通货膨胀正在上升，更多的人正在重返工作岗位。这导致美联储表示最早可能在2023年加息——高于此前等到2024年的计划。</blockquote></p><p> For consumers, that means now may be the time tosplurge on a fun purchaseor take out a loan for something they need.</p><p><blockquote>对于消费者来说，这意味着现在可能是花钱购买有趣的买家或贷款购买他们需要的东西的时候了。</blockquote></p><p> Here are five money moves you should make before rates rise.</p><p><blockquote>以下是您在利率上升之前应该采取的五项资金举措。</blockquote></p><p> <b>Refinance your home loan</b></p><p><blockquote><b>为您的房屋贷款再融资</b></blockquote></p><p> Mortgage rates fell to record-breaking lows during the pandemic, but they’re slowly creeping up as the economy continues to recover from COVID-19.</p><p><blockquote>在疫情期间，抵押贷款利率跌至创纪录低点，但随着经济继续从COVID-19中复苏，抵押贷款利率正在缓慢上升。</blockquote></p><p> While rates are currently at historically low levels, experts predict they will rise to 4% this year — which means now's the time to act if you’ve been mulling a refinance.</p><p><blockquote>虽然利率目前处于历史低位，但专家预测今年将升至4%——这意味着如果您一直在考虑再融资，现在是采取行动的时候了。</blockquote></p><p> An estimated 14.1 million Americans have the opportunity to refi andsave an average $287 a month, according to recent research from mortgage technology and data provider Black Knight.</p><p><blockquote>根据抵押贷款技术和数据提供商Black Knight最近的研究，估计有1410万美国人有机会进行再融资，平均每月节省287美元。</blockquote></p><p> Alternatively, rising house prices offer homeowners an opportunity to leverage their home equity to fund home improvement projects, pay down debt or cover their children’s education funds.</p><p><blockquote>或者，房价上涨为房主提供了利用房屋净值为家居装修项目提供资金、偿还债务或支付孩子教育资金的机会。</blockquote></p><p> <b>Consolidate your debt</b></p><p><blockquote><b>合并您的债务</b></blockquote></p><p> The pandemic made it difficult for Americans to travel, eat in restaurants or spend on retail purchases, and many used the money they didn't spend on those activities to increase their savings and pay down debt.</p><p><blockquote>疫情使美国人难以旅行、在餐馆吃饭或进行零售购物，许多人用他们没有花在这些活动上的钱来增加储蓄和偿还债务。</blockquote></p><p> The number of consumers who paid off their credit card balances in full every month reached an all-time high of 35.1% late last year, according to a report from the American Bankers Association.</p><p><blockquote>根据美国银行家协会的一份报告，去年年底，每月全额还清信用卡余额的消费者数量达到了35.1%的历史新高。</blockquote></p><p> Still, many households are struggling to make ends meet. And, with unemployment benefits ending in many states across the country, those still out of work or living on reduced incomes may have had to give up their debt repayment plans to focus on immediate needs.</p><p><blockquote>尽管如此，许多家庭仍在努力维持生计。而且，随着全国许多州失业救济金的结束，那些仍然失业或收入减少的人可能不得不放弃债务偿还计划，专注于眼前的需求。</blockquote></p><p> If you’ve been relying on your credit cards to carry you through, the expensive interest is going to add up quickly.</p><p><blockquote>如果你一直依靠信用卡度过难关，昂贵的利息会很快增加。</blockquote></p><p> For those who can’t borrow from their home equity to pay off card balances, adebt consolidation loancould help you get rid of debt sooner and save you a ton on expensive interest.</p><p><blockquote>对于那些无法从房屋净值中借款来偿还卡余额的人来说，债务合并贷款可以帮助您更快摆脱债务，并为您节省大量昂贵的利息。</blockquote></p><p> <b>Work on your credit score</b></p><p><blockquote><b>提高您的信用评分</b></blockquote></p><p> While today's low rates make it easier to take out loans, you'll find it more expensive to borrow when rates do go up.</p><p><blockquote>虽然今天的低利率使贷款变得更容易，但当利率上升时，你会发现借贷成本更高。</blockquote></p><p> Today, it's easy to take afree peek at your credit score. So now’s the time to work on improving that score to ensure you’ll continue to be able to borrow at the lowest-possible rates.</p><p><blockquote>今天，很容易免费查看您的信用评分。因此，现在是时候努力提高该分数，以确保您能够继续以尽可能低的利率借款。</blockquote></p><p> Boosting your credit scorea few hundred pointswill make you a more attractive borrower to all types of lenders – from credit-card issuers to those offering mortgages.</p><p><blockquote>将您的信用评分提高几百分将使您成为对所有类型贷方（从信用卡发卡机构到提供抵押贷款的机构）更具吸引力的借款人。</blockquote></p><p> <b>Refinance your student loans</b></p><p><blockquote><b>为您的学生贷款再融资</b></blockquote></p><p> Federal student loan payments are paused until October but some prominent Democratic lawmakers, including Sen. Elizabeth Warren and Senate Majority Leader Chuck Schumer, are pushing the president to provide more relief for borrowers and forgive up to $50,000 per person.</p><p><blockquote>联邦学生贷款支付暂停至10月份，但包括参议员伊丽莎白·沃伦(Elizabeth Warren)和参议院多数党领袖查克·舒默(Chuck Schumer)在内的一些著名民主党议员正在敦促总统为借款人提供更多救济，并免除每人最多5万美元。</blockquote></p><p> But those with debt from private student loans are still on the hook for their regular monthly minimum payments.</p><p><blockquote>但那些背负私人学生贷款债务的人仍然需要支付每月最低还款额。</blockquote></p><p> If you're one of those borrowers, refinancing to a lower rate or shorter term could save you thousands in interest fees and shave years off your debt.</p><p><blockquote>如果您是这些借款人之一，以较低利率或较短期限进行再融资可以为您节省数千美元的利息费用，并减少数年的债务。</blockquote></p><p> According to online loan marketplace, Credible, refinancing could slash your interest rate by more than 2 full percentage points and add up to substantial interest savings over the life of the loan.</p><p><blockquote>根据在线贷款市场，可信，再融资可以削减你的利率超过2个百分点，并在贷款期限内节省大量利息。</blockquote></p><p> To maximize your savings,compare loan offers from multiple lendersto lock in the lowest refinance rate possible.</p><p><blockquote>为了最大限度地提高您的储蓄，请比较多个贷方的贷款报价，以锁定尽可能低的再融资利率。</blockquote></p><p> <b>Ride the red-hot stock market</b></p><p><blockquote><b>驾驭火热的股市</b></blockquote></p><p> Current low interest rates mean you won't earn much if you put money in a savings account. If you’ve got the appetite to take on a bit more risk, you could consider putting your money in investments.</p><p><blockquote>目前的低利率意味着如果你把钱存入储蓄账户，你赚不了多少钱。如果您愿意承担更多风险，您可以考虑将资金投入投资。</blockquote></p><p> Even if you don’t have much to put aside, you can download a popular app that allows you toinvest with your “spare change”, and turn your pennies into a diversified portfolio.</p><p><blockquote>即使你没有太多钱可以存，你也可以下载一个流行的应用程序，让你用你的“零钱”进行投资，把你的便士变成一个多元化的投资组合。</blockquote></p><p> Or, if you’re still apprehensive about the stock market, you could look intoinvesting in farmland. This stable, profitable asset has been known to offer better returns than real estate and stocks, according to data from the investing platform FarmTogether.</p><p><blockquote>或者，如果您仍然对股市感到担忧，您可以考虑投资农田。根据投资平台FarmTogether的数据，众所周知，这种稳定、盈利的资产比房地产和股票提供更好的回报。</blockquote></p><p></p>","source":"lsy1621813427262","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">MoneyWise</strong><span class=\"h-time small\">2021-07-03 09:45</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Federal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will keep its benchmark interest rate near zero for the time being, despite gains made by the U.S. economy in recent months.</p><p><blockquote>美联储主席杰罗姆·鲍威尔（如图）及其同事表示，尽管美国经济近几个月有所增长，但美联储将暂时将基准利率维持在接近零的水平。</blockquote></p><p> But rates won’t stay low forever. As the economy recovers from the worst of the COVID-19 pandemic, inflation is rising and more people are getting back to work. This has led the Fed to indicate a rate hike could come as soon as 2023 — moved up from its previous plan to wait until 2024.</p><p><blockquote>但利率不会永远保持在低位。随着经济从COVID-19大流行最严重的时期中复苏，通货膨胀正在上升，更多的人正在重返工作岗位。这导致美联储表示最早可能在2023年加息——高于此前等到2024年的计划。</blockquote></p><p> For consumers, that means now may be the time tosplurge on a fun purchaseor take out a loan for something they need.</p><p><blockquote>对于消费者来说，这意味着现在可能是花钱购买有趣的买家或贷款购买他们需要的东西的时候了。</blockquote></p><p> Here are five money moves you should make before rates rise.</p><p><blockquote>以下是您在利率上升之前应该采取的五项资金举措。</blockquote></p><p> <b>Refinance your home loan</b></p><p><blockquote><b>为您的房屋贷款再融资</b></blockquote></p><p> Mortgage rates fell to record-breaking lows during the pandemic, but they’re slowly creeping up as the economy continues to recover from COVID-19.</p><p><blockquote>在疫情期间，抵押贷款利率跌至创纪录低点，但随着经济继续从COVID-19中复苏，抵押贷款利率正在缓慢上升。</blockquote></p><p> While rates are currently at historically low levels, experts predict they will rise to 4% this year — which means now's the time to act if you’ve been mulling a refinance.</p><p><blockquote>虽然利率目前处于历史低位，但专家预测今年将升至4%——这意味着如果您一直在考虑再融资，现在是采取行动的时候了。</blockquote></p><p> An estimated 14.1 million Americans have the opportunity to refi andsave an average $287 a month, according to recent research from mortgage technology and data provider Black Knight.</p><p><blockquote>根据抵押贷款技术和数据提供商Black Knight最近的研究，估计有1410万美国人有机会进行再融资，平均每月节省287美元。</blockquote></p><p> Alternatively, rising house prices offer homeowners an opportunity to leverage their home equity to fund home improvement projects, pay down debt or cover their children’s education funds.</p><p><blockquote>或者，房价上涨为房主提供了利用房屋净值为家居装修项目提供资金、偿还债务或支付孩子教育资金的机会。</blockquote></p><p> <b>Consolidate your debt</b></p><p><blockquote><b>合并您的债务</b></blockquote></p><p> The pandemic made it difficult for Americans to travel, eat in restaurants or spend on retail purchases, and many used the money they didn't spend on those activities to increase their savings and pay down debt.</p><p><blockquote>疫情使美国人难以旅行、在餐馆吃饭或进行零售购物，许多人用他们没有花在这些活动上的钱来增加储蓄和偿还债务。</blockquote></p><p> The number of consumers who paid off their credit card balances in full every month reached an all-time high of 35.1% late last year, according to a report from the American Bankers Association.</p><p><blockquote>根据美国银行家协会的一份报告，去年年底，每月全额还清信用卡余额的消费者数量达到了35.1%的历史新高。</blockquote></p><p> Still, many households are struggling to make ends meet. And, with unemployment benefits ending in many states across the country, those still out of work or living on reduced incomes may have had to give up their debt repayment plans to focus on immediate needs.</p><p><blockquote>尽管如此，许多家庭仍在努力维持生计。而且，随着全国许多州失业救济金的结束，那些仍然失业或收入减少的人可能不得不放弃债务偿还计划，专注于眼前的需求。</blockquote></p><p> If you’ve been relying on your credit cards to carry you through, the expensive interest is going to add up quickly.</p><p><blockquote>如果你一直依靠信用卡度过难关，昂贵的利息会很快增加。</blockquote></p><p> For those who can’t borrow from their home equity to pay off card balances, adebt consolidation loancould help you get rid of debt sooner and save you a ton on expensive interest.</p><p><blockquote>对于那些无法从房屋净值中借款来偿还卡余额的人来说，债务合并贷款可以帮助您更快摆脱债务，并为您节省大量昂贵的利息。</blockquote></p><p> <b>Work on your credit score</b></p><p><blockquote><b>提高您的信用评分</b></blockquote></p><p> While today's low rates make it easier to take out loans, you'll find it more expensive to borrow when rates do go up.</p><p><blockquote>虽然今天的低利率使贷款变得更容易，但当利率上升时，你会发现借贷成本更高。</blockquote></p><p> Today, it's easy to take afree peek at your credit score. So now’s the time to work on improving that score to ensure you’ll continue to be able to borrow at the lowest-possible rates.</p><p><blockquote>今天，很容易免费查看您的信用评分。因此，现在是时候努力提高该分数，以确保您能够继续以尽可能低的利率借款。</blockquote></p><p> Boosting your credit scorea few hundred pointswill make you a more attractive borrower to all types of lenders – from credit-card issuers to those offering mortgages.</p><p><blockquote>将您的信用评分提高几百分将使您成为对所有类型贷方（从信用卡发卡机构到提供抵押贷款的机构）更具吸引力的借款人。</blockquote></p><p> <b>Refinance your student loans</b></p><p><blockquote><b>为您的学生贷款再融资</b></blockquote></p><p> Federal student loan payments are paused until October but some prominent Democratic lawmakers, including Sen. Elizabeth Warren and Senate Majority Leader Chuck Schumer, are pushing the president to provide more relief for borrowers and forgive up to $50,000 per person.</p><p><blockquote>联邦学生贷款支付暂停至10月份，但包括参议员伊丽莎白·沃伦(Elizabeth Warren)和参议院多数党领袖查克·舒默(Chuck Schumer)在内的一些著名民主党议员正在敦促总统为借款人提供更多救济，并免除每人最多5万美元。</blockquote></p><p> But those with debt from private student loans are still on the hook for their regular monthly minimum payments.</p><p><blockquote>但那些背负私人学生贷款债务的人仍然需要支付每月最低还款额。</blockquote></p><p> If you're one of those borrowers, refinancing to a lower rate or shorter term could save you thousands in interest fees and shave years off your debt.</p><p><blockquote>如果您是这些借款人之一，以较低利率或较短期限进行再融资可以为您节省数千美元的利息费用，并减少数年的债务。</blockquote></p><p> According to online loan marketplace, Credible, refinancing could slash your interest rate by more than 2 full percentage points and add up to substantial interest savings over the life of the loan.</p><p><blockquote>根据在线贷款市场，可信，再融资可以削减你的利率超过2个百分点，并在贷款期限内节省大量利息。</blockquote></p><p> To maximize your savings,compare loan offers from multiple lendersto lock in the lowest refinance rate possible.</p><p><blockquote>为了最大限度地提高您的储蓄，请比较多个贷方的贷款报价，以锁定尽可能低的再融资利率。</blockquote></p><p> <b>Ride the red-hot stock market</b></p><p><blockquote><b>驾驭火热的股市</b></blockquote></p><p> Current low interest rates mean you won't earn much if you put money in a savings account. If you’ve got the appetite to take on a bit more risk, you could consider putting your money in investments.</p><p><blockquote>目前的低利率意味着如果你把钱存入储蓄账户，你赚不了多少钱。如果您愿意承担更多风险，您可以考虑将资金投入投资。</blockquote></p><p> Even if you don’t have much to put aside, you can download a popular app that allows you toinvest with your “spare change”, and turn your pennies into a diversified portfolio.</p><p><blockquote>即使你没有太多钱可以存，你也可以下载一个流行的应用程序，让你用你的“零钱”进行投资，把你的便士变成一个多元化的投资组合。</blockquote></p><p> Or, if you’re still apprehensive about the stock market, you could look intoinvesting in farmland. This stable, profitable asset has been known to offer better returns than real estate and stocks, according to data from the investing platform FarmTogether.</p><p><blockquote>或者，如果您仍然对股市感到担忧，您可以考虑投资农田。根据投资平台FarmTogether的数据，众所周知，这种稳定、盈利的资产比房地产和股票提供更好的回报。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/5-wise-money-moves-fed-160000889.html\">MoneyWise</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".DJI":"道琼斯",".SPX":"S&P 500 Index","SPY":"标普500ETF"},"source_url":"https://finance.yahoo.com/news/5-wise-money-moves-fed-160000889.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171891885","content_text":"Federal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will keep its benchmark interest rate near zero for the time being, despite gains made by the U.S. economy in recent months.\nBut rates won’t stay low forever. As the economy recovers from the worst of the COVID-19 pandemic, inflation is rising and more people are getting back to work. This has led the Fed to indicate a rate hike could come as soon as 2023 — moved up from its previous plan to wait until 2024.\nFor consumers, that means now may be the time tosplurge on a fun purchaseor take out a loan for something they need.\nHere are five money moves you should make before rates rise.\nRefinance your home loan\nMortgage rates fell to record-breaking lows during the pandemic, but they’re slowly creeping up as the economy continues to recover from COVID-19.\nWhile rates are currently at historically low levels, experts predict they will rise to 4% this year — which means now's the time to act if you’ve been mulling a refinance.\nAn estimated 14.1 million Americans have the opportunity to refi andsave an average $287 a month, according to recent research from mortgage technology and data provider Black Knight.\nAlternatively, rising house prices offer homeowners an opportunity to leverage their home equity to fund home improvement projects, pay down debt or cover their children’s education funds.\nConsolidate your debt\nThe pandemic made it difficult for Americans to travel, eat in restaurants or spend on retail purchases, and many used the money they didn't spend on those activities to increase their savings and pay down debt.\nThe number of consumers who paid off their credit card balances in full every month reached an all-time high of 35.1% late last year, according to a report from the American Bankers Association.\nStill, many households are struggling to make ends meet. And, with unemployment benefits ending in many states across the country, those still out of work or living on reduced incomes may have had to give up their debt repayment plans to focus on immediate needs.\nIf you’ve been relying on your credit cards to carry you through, the expensive interest is going to add up quickly.\nFor those who can’t borrow from their home equity to pay off card balances, adebt consolidation loancould help you get rid of debt sooner and save you a ton on expensive interest.\nWork on your credit score\nWhile today's low rates make it easier to take out loans, you'll find it more expensive to borrow when rates do go up.\nToday, it's easy to take afree peek at your credit score. So now’s the time to work on improving that score to ensure you’ll continue to be able to borrow at the lowest-possible rates.\nBoosting your credit scorea few hundred pointswill make you a more attractive borrower to all types of lenders – from credit-card issuers to those offering mortgages.\nRefinance your student loans\nFederal student loan payments are paused until October but some prominent Democratic lawmakers, including Sen. Elizabeth Warren and Senate Majority Leader Chuck Schumer, are pushing the president to provide more relief for borrowers and forgive up to $50,000 per person.\nBut those with debt from private student loans are still on the hook for their regular monthly minimum payments.\nIf you're one of those borrowers, refinancing to a lower rate or shorter term could save you thousands in interest fees and shave years off your debt.\nAccording to online loan marketplace, Credible, refinancing could slash your interest rate by more than 2 full percentage points and add up to substantial interest savings over the life of the loan.\nTo maximize your savings,compare loan offers from multiple lendersto lock in the lowest refinance rate possible.\nRide the red-hot stock market\nCurrent low interest rates mean you won't earn much if you put money in a savings account. If you’ve got the appetite to take on a bit more risk, you could consider putting your money in investments.\nEven if you don’t have much to put aside, you can download a popular app that allows you toinvest with your “spare change”, and turn your pennies into a diversified portfolio.\nOr, if you’re still apprehensive about the stock market, you could look intoinvesting in farmland. This stable, profitable asset has been known to offer better returns than real estate and stocks, according to data from the investing platform FarmTogether.","news_type":1,"symbols_score_info":{".IXIC":0.9,".SPX":0.9,".DJI":0.9,"SPY":0.9}},"isVote":1,"tweetType":1,"viewCount":1450,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":158432636,"gmtCreate":1625168650725,"gmtModify":1633942987855,"author":{"id":"3561973624039189","authorId":"3561973624039189","name":"LINALICIA","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3561973624039189","idStr":"3561973624039189"},"themes":[],"htmlText":"WOW","listText":"WOW","text":"WOW","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/158432636","repostId":"1199212665","repostType":4,"repost":{"id":"1199212665","kind":"news","pubTimestamp":1625146084,"share":"https://www.laohu8.com/m/news/1199212665?lang=zh_CN&edition=full","pubTime":"2021-07-01 21:28","market":"us","language":"en","title":"3 Expensive Tech Stocks to Buy in the Next Market Crash<blockquote>下一次市场崩盘时值得买入的3只昂贵科技股</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1199212665","media":"Motley Fool","summary":"Get ready to buy Snowflake and two other hot tech stocks if this frothy market collapses.","content":"<p>Many high-growth tech stocks have seen price pullbacks over the past few months, due to concerns about higher bond yields, inflation, and decelerating growth for companies that benefited from the pandemic.</p><p><blockquote>由于担心债券收益率上升、通货膨胀以及受益于疫情的公司增长放缓，许多高增长科技股在过去几个月出现了价格回调。</blockquote></p><p> That sell-off created some buying opportunities -- but some of the sector's pricier names merely pulled back slightly, held onto their gains, or even rallied. That relative strength is admirable, but it's a bit frustrating for investors who don't want to pay the wrong price for the right company.</p><p><blockquote>这次抛售创造了一些买入机会，但该行业一些价格较高的股票只是小幅回调，保持涨幅，甚至上涨。这种相对实力令人钦佩，但对于那些不想为合适的公司支付错误价格的投资者来说，这有点令人沮丧。</blockquote></p><p> That's why I'm making a shopping list of expensive tech stocks which I'd eagerly buy during the next market crash. Let's take a look at three of those companies:<b>Snowflake</b>(NYSE:SNOW),<b>Twilio</b>(NYSE:TWLO), and&nbsp;<b>CrowdStrike</b>(NASDAQ:CRWD).</p><p><blockquote>这就是为什么我列出了一份昂贵科技股的购物清单，这些股票是我在下一次市场崩盘时急切购买的。让我们来看看其中三家公司：<b>雪花</b>（纽约证券交易所代码：SNOW），<b>Twilio</b>（纽约证券交易所代码：TWLO），以及<b>CrowdStrike</b>（纳斯达克：CRWD）。</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fde232ce39d9cd52a01fd6ec018cae53\" tg-width=\"700\" tg-height=\"466\"><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p> <b>1. Snowflake</b></p><p><blockquote><b>1.雪花</b></blockquote></p><p> Snowflake was one of the hottest tech IPOs of 2020, thanks to its jaw-dropping growth rates and big investments from&nbsp;<b>Berkshire Hathaway</b>&nbsp;and&nbsp;<b>salesforce.com</b>.</p><p><blockquote>Snowflake是2020年最热门的科技IPO之一，这要归功于其令人瞠目结舌的增长率和来自<b>伯克希尔哈撒韦</b>和<b>salesforce.com</b>.</blockquote></p><p> Snowflake'scloud-baseddata warehouse pulls all of a company's data onto a single platform, where it can then be fed into third-party data visualization apps. Its service breaks down the silos between different departments and computing platforms, which makes it easier for large companies to make data-driven decisions.</p><p><blockquote>Snowflake基于云的数据仓库将公司的所有数据拉到一个平台上，然后可以将其输入第三方数据可视化应用程序。它的服务打破了不同部门和计算平台之间的孤岛，使大公司更容易做出数据驱动的决策。</blockquote></p><p> Snowflake's number of customers jumped 73% to 4,139 in fiscal 2021 (which ended this January), including 186 of the Fortune 500 companies. Its revenue surged 124% to $592 million, as its net retention rate -- which gauges its year-over-year revenue growth per existing customer -- hit 165%.</p><p><blockquote>Snowflake的客户数量在2021财年（截至今年1月）跃升73%至4,139家，其中包括186家财富500强公司。其收入飙升124%，达到5.92亿美元，净保留率（衡量每个现有客户的收入同比增长）达到165%。</blockquote></p><p> That growth continued in the first quarter of 2022. Its revenue rose 110% year over year to $228.9 million, its number of customers increased 67% to 4,532, and it achieved a net retention rate of 168%.</p><p><blockquote>这种增长在2022年第一季度仍在继续。其收入同比增长110%至2.289亿美元，客户数量增长67%至4,532人，净保留率达到168%。</blockquote></p><p> But Snowflake isn't profitable yet. ItsGAAPnet loss widened from $348.5 million in fiscal 2020 to $539.1 million in fiscal 2021, and<i>more than doubled</i>from $93.6 million to $203.2 million in the first quarter of 2022. It's also unprofitable on a non-GAAP basis, which excludes its stock-based compensation expenses.</p><p><blockquote>但Snowflake尚未盈利。其GAAP净亏损从2020财年的3.485亿美元扩大至2021财年的5.391亿美元，并且<i>翻了一倍多</i>2022年第一季度从9360万美元增至2.032亿美元。在非公认会计准则的基础上，它也是无利可图的，这不包括其股票薪酬费用。</blockquote></p><p> Analysts expect Snowflake's revenue to rise 88% this year, with a narrower loss. However, its stock still trades at 65 times this year's sales -- which indicates there's still far too much growth baked into the stock. But if Snowflake gets cut in half in a crash, I'd considerstarting a big position.</p><p><blockquote>分析师预计Snowflake今年的收入将增长88%，亏损将收窄。然而，其股价仍是今年销售额的65倍，这表明该股仍有太多增长。但如果雪花在崩盘中被切成两半，我会考虑建立一个大头寸。</blockquote></p><p> <b>2. Twilio</b></p><p><blockquote><b>2.Twilio</b></blockquote></p><p> Twilio's cloud platform processes text messages, calls, and videos within apps. For example, it helps&nbsp;<b>Lyft</b>'s passengers contact their drivers, and&nbsp;<b>Airbnb</b>'s guests reach their hosts.</p><p><blockquote>Twilio的云平台在应用程序中处理短信、评级和视频。例如，它有助于<b>Lyft</b>的乘客联系他们的司机，并且<b>爱彼迎</b>的客人到达他们的主人。</blockquote></p><p> In the past, developers built those tools from scratch, which was generally time-consuming, buggy, and difficult to scale. However, developers can now outsource those features to Twilio's cloud service by simply adding a few lines of code to their apps.</p><p><blockquote>过去，开发人员从头开始构建这些工具，这通常很耗时、有缺陷且难以扩展。然而，开发人员现在只需在他们的应用程序中添加几行代码，就可以将这些功能外包给Twilio的云服务。</blockquote></p><p> Twilio's revenue rose 55% to $1.76 billion in 2020. Its net expansion rate, which is comparable to Snowflake's net retention rate, reached 137%. In the first quarter of 2021, its revenue jumped 62% year over year to $590 million as it integrated its recent purchase of the customer data firm Segment.</p><p><blockquote>2020年，Twilio的收入增长了55%，达到17.6亿美元。其净扩张率与Snowflake的净留存率相当，达到了137%。2021年第一季度，由于整合了最近收购的客户数据公司部门，其收入同比增长62%至5.9亿美元。</blockquote></p><p> Twilio remains unprofitable on a GAAP basis, but its non-GAAP net income rose 62% to $35.9 million in 2020. In the first quarter of 2021, its non-GAAP net income rose another 15% to $9.6 million.</p><p><blockquote>按GAAP计算，Twilio仍未盈利，但其非GAAP净利润在2020年增长了62%，达到3590万美元。2021年第一季度，其非GAAP净利润再增长15%至960万美元。</blockquote></p><p> Analysts expect its revenue to rise 44% this year, but for its non-GAAP earnings to dip into the red again amid higher investments and rising A2P (application-to-person) fees, which are now charged by carriers whenever an app accesses an SMS network.</p><p><blockquote>分析师预计其今年收入将增长44%，但由于投资增加和A2P（应用到个人）费用上涨，其非GAAP收益将再次出现亏损，现在每当应用程序访问短信网络时，运营商都会收取这些费用。</blockquote></p><p> That near-term outlook doesn't look great for a stock that trades at nearly 30 times this year's sales. However, I still think Twilio has great growth potential, and I'd definitely buy its stock at a lower price.</p><p><blockquote>对于一只交易价格是今年销售额近30倍的股票来说，近期前景看起来并不乐观。不过，我仍然认为Twilio具有巨大的增长潜力，我肯定会以较低的价格购买其股票。</blockquote></p><p> <b>3. CrowdStrike</b></p><p><blockquote><b>3.CrowdStrike</b></blockquote></p><p> CrowdStrike is a cybersecurity company that differs from its industry peers in one major way. Most cybersecurity companies install on-site appliances to support their services, which can be expensive to maintain and difficult to scale as an organization expands. CrowdStrike eliminates those appliances by offering its end-to-end security platform as a cloud-based service.</p><p><blockquote>CrowdStrike是一家网络安全公司，在一个主要方面不同于行业同行。大多数网络安全公司安装现场设备来支持其服务，这些设备的维护成本可能很高，并且随着组织的扩展难以扩展。CrowdStrike通过将其端到端安全平台作为基于云的服务来消除这些设备。</blockquote></p><p> CrowdStrike's growth clearly reflects its disruptive potential. Its revenue rose 82% to $874.4 million in fiscal 2021 (which ended this January), its number of subscription customers increased 82% to 9,896, and its net retention rate stayed above 120%.</p><p><blockquote>CrowdStrike的增长清楚地反映了其颠覆性的潜力。其2021财年（截至今年1月）收入增长82%至8.744亿美元，订阅客户数量增长82%至9,896人，净留存率保持在120%以上。</blockquote></p><p> In the first quarter of fiscal 2022, its revenue rose 70% year over year to $302.8 million, its subscriber base expanded 82% year over year to 11,420, and it kept its retention rate above 120%.</p><p><blockquote>2022财年第一季度，其收入同比增长70%至3.028亿美元，用户群同比增长82%至11,420人，留存率保持在120%以上。</blockquote></p><p></p><p> CrowdStrike also turned profitable on a non-GAAP basis in 2021, with a net profit of $62.6 million. Its non-GAAP net income rose more than fivefold year over year to $23.3 million in the first quarter of 2022.</p><p><blockquote>CrowdStrike也在2021年实现了非GAAP盈利，净利润为6260万美元。2022年第一季度，其非GAAP净利润同比增长五倍多，达到2330万美元。</blockquote></p><p> Those&nbsp;numbers are impressive, but CrowdStrike still trades at about 350 times forward earnings and more than 40 times this year's sales. Therefore, this is another stock I won't buy unless the market crashes.</p><p><blockquote>这些数字令人印象深刻，但CrowdStrike的市盈率仍约为350倍，是今年销售额的40多倍。因此，这是另一只我不会买的股票，除非市场崩盘。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Expensive Tech Stocks to Buy in the Next Market Crash<blockquote>下一次市场崩盘时值得买入的3只昂贵科技股</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n3 Expensive Tech Stocks to Buy in the Next Market Crash<blockquote>下一次市场崩盘时值得买入的3只昂贵科技股</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Motley Fool</strong><span class=\"h-time small\">2021-07-01 21:28</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Many high-growth tech stocks have seen price pullbacks over the past few months, due to concerns about higher bond yields, inflation, and decelerating growth for companies that benefited from the pandemic.</p><p><blockquote>由于担心债券收益率上升、通货膨胀以及受益于疫情的公司增长放缓，许多高增长科技股在过去几个月出现了价格回调。</blockquote></p><p> That sell-off created some buying opportunities -- but some of the sector's pricier names merely pulled back slightly, held onto their gains, or even rallied. That relative strength is admirable, but it's a bit frustrating for investors who don't want to pay the wrong price for the right company.</p><p><blockquote>这次抛售创造了一些买入机会，但该行业一些价格较高的股票只是小幅回调，保持涨幅，甚至上涨。这种相对实力令人钦佩，但对于那些不想为合适的公司支付错误价格的投资者来说，这有点令人沮丧。</blockquote></p><p> That's why I'm making a shopping list of expensive tech stocks which I'd eagerly buy during the next market crash. Let's take a look at three of those companies:<b>Snowflake</b>(NYSE:SNOW),<b>Twilio</b>(NYSE:TWLO), and&nbsp;<b>CrowdStrike</b>(NASDAQ:CRWD).</p><p><blockquote>这就是为什么我列出了一份昂贵科技股的购物清单，这些股票是我在下一次市场崩盘时急切购买的。让我们来看看其中三家公司：<b>雪花</b>（纽约证券交易所代码：SNOW），<b>Twilio</b>（纽约证券交易所代码：TWLO），以及<b>CrowdStrike</b>（纳斯达克：CRWD）。</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fde232ce39d9cd52a01fd6ec018cae53\" tg-width=\"700\" tg-height=\"466\"><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p> <b>1. Snowflake</b></p><p><blockquote><b>1.雪花</b></blockquote></p><p> Snowflake was one of the hottest tech IPOs of 2020, thanks to its jaw-dropping growth rates and big investments from&nbsp;<b>Berkshire Hathaway</b>&nbsp;and&nbsp;<b>salesforce.com</b>.</p><p><blockquote>Snowflake是2020年最热门的科技IPO之一，这要归功于其令人瞠目结舌的增长率和来自<b>伯克希尔哈撒韦</b>和<b>salesforce.com</b>.</blockquote></p><p> Snowflake'scloud-baseddata warehouse pulls all of a company's data onto a single platform, where it can then be fed into third-party data visualization apps. Its service breaks down the silos between different departments and computing platforms, which makes it easier for large companies to make data-driven decisions.</p><p><blockquote>Snowflake基于云的数据仓库将公司的所有数据拉到一个平台上，然后可以将其输入第三方数据可视化应用程序。它的服务打破了不同部门和计算平台之间的孤岛，使大公司更容易做出数据驱动的决策。</blockquote></p><p> Snowflake's number of customers jumped 73% to 4,139 in fiscal 2021 (which ended this January), including 186 of the Fortune 500 companies. Its revenue surged 124% to $592 million, as its net retention rate -- which gauges its year-over-year revenue growth per existing customer -- hit 165%.</p><p><blockquote>Snowflake的客户数量在2021财年（截至今年1月）跃升73%至4,139家，其中包括186家财富500强公司。其收入飙升124%，达到5.92亿美元，净保留率（衡量每个现有客户的收入同比增长）达到165%。</blockquote></p><p> That growth continued in the first quarter of 2022. Its revenue rose 110% year over year to $228.9 million, its number of customers increased 67% to 4,532, and it achieved a net retention rate of 168%.</p><p><blockquote>这种增长在2022年第一季度仍在继续。其收入同比增长110%至2.289亿美元，客户数量增长67%至4,532人，净保留率达到168%。</blockquote></p><p> But Snowflake isn't profitable yet. ItsGAAPnet loss widened from $348.5 million in fiscal 2020 to $539.1 million in fiscal 2021, and<i>more than doubled</i>from $93.6 million to $203.2 million in the first quarter of 2022. It's also unprofitable on a non-GAAP basis, which excludes its stock-based compensation expenses.</p><p><blockquote>但Snowflake尚未盈利。其GAAP净亏损从2020财年的3.485亿美元扩大至2021财年的5.391亿美元，并且<i>翻了一倍多</i>2022年第一季度从9360万美元增至2.032亿美元。在非公认会计准则的基础上，它也是无利可图的，这不包括其股票薪酬费用。</blockquote></p><p> Analysts expect Snowflake's revenue to rise 88% this year, with a narrower loss. However, its stock still trades at 65 times this year's sales -- which indicates there's still far too much growth baked into the stock. But if Snowflake gets cut in half in a crash, I'd considerstarting a big position.</p><p><blockquote>分析师预计Snowflake今年的收入将增长88%，亏损将收窄。然而，其股价仍是今年销售额的65倍，这表明该股仍有太多增长。但如果雪花在崩盘中被切成两半，我会考虑建立一个大头寸。</blockquote></p><p> <b>2. Twilio</b></p><p><blockquote><b>2.Twilio</b></blockquote></p><p> Twilio's cloud platform processes text messages, calls, and videos within apps. For example, it helps&nbsp;<b>Lyft</b>'s passengers contact their drivers, and&nbsp;<b>Airbnb</b>'s guests reach their hosts.</p><p><blockquote>Twilio的云平台在应用程序中处理短信、评级和视频。例如，它有助于<b>Lyft</b>的乘客联系他们的司机，并且<b>爱彼迎</b>的客人到达他们的主人。</blockquote></p><p> In the past, developers built those tools from scratch, which was generally time-consuming, buggy, and difficult to scale. However, developers can now outsource those features to Twilio's cloud service by simply adding a few lines of code to their apps.</p><p><blockquote>过去，开发人员从头开始构建这些工具，这通常很耗时、有缺陷且难以扩展。然而，开发人员现在只需在他们的应用程序中添加几行代码，就可以将这些功能外包给Twilio的云服务。</blockquote></p><p> Twilio's revenue rose 55% to $1.76 billion in 2020. Its net expansion rate, which is comparable to Snowflake's net retention rate, reached 137%. In the first quarter of 2021, its revenue jumped 62% year over year to $590 million as it integrated its recent purchase of the customer data firm Segment.</p><p><blockquote>2020年，Twilio的收入增长了55%，达到17.6亿美元。其净扩张率与Snowflake的净留存率相当，达到了137%。2021年第一季度，由于整合了最近收购的客户数据公司部门，其收入同比增长62%至5.9亿美元。</blockquote></p><p> Twilio remains unprofitable on a GAAP basis, but its non-GAAP net income rose 62% to $35.9 million in 2020. In the first quarter of 2021, its non-GAAP net income rose another 15% to $9.6 million.</p><p><blockquote>按GAAP计算，Twilio仍未盈利，但其非GAAP净利润在2020年增长了62%，达到3590万美元。2021年第一季度，其非GAAP净利润再增长15%至960万美元。</blockquote></p><p> Analysts expect its revenue to rise 44% this year, but for its non-GAAP earnings to dip into the red again amid higher investments and rising A2P (application-to-person) fees, which are now charged by carriers whenever an app accesses an SMS network.</p><p><blockquote>分析师预计其今年收入将增长44%，但由于投资增加和A2P（应用到个人）费用上涨，其非GAAP收益将再次出现亏损，现在每当应用程序访问短信网络时，运营商都会收取这些费用。</blockquote></p><p> That near-term outlook doesn't look great for a stock that trades at nearly 30 times this year's sales. However, I still think Twilio has great growth potential, and I'd definitely buy its stock at a lower price.</p><p><blockquote>对于一只交易价格是今年销售额近30倍的股票来说，近期前景看起来并不乐观。不过，我仍然认为Twilio具有巨大的增长潜力，我肯定会以较低的价格购买其股票。</blockquote></p><p> <b>3. CrowdStrike</b></p><p><blockquote><b>3.CrowdStrike</b></blockquote></p><p> CrowdStrike is a cybersecurity company that differs from its industry peers in one major way. Most cybersecurity companies install on-site appliances to support their services, which can be expensive to maintain and difficult to scale as an organization expands. CrowdStrike eliminates those appliances by offering its end-to-end security platform as a cloud-based service.</p><p><blockquote>CrowdStrike是一家网络安全公司，在一个主要方面不同于行业同行。大多数网络安全公司安装现场设备来支持其服务，这些设备的维护成本可能很高，并且随着组织的扩展难以扩展。CrowdStrike通过将其端到端安全平台作为基于云的服务来消除这些设备。</blockquote></p><p> CrowdStrike's growth clearly reflects its disruptive potential. Its revenue rose 82% to $874.4 million in fiscal 2021 (which ended this January), its number of subscription customers increased 82% to 9,896, and its net retention rate stayed above 120%.</p><p><blockquote>CrowdStrike的增长清楚地反映了其颠覆性的潜力。其2021财年（截至今年1月）收入增长82%至8.744亿美元，订阅客户数量增长82%至9,896人，净留存率保持在120%以上。</blockquote></p><p> In the first quarter of fiscal 2022, its revenue rose 70% year over year to $302.8 million, its subscriber base expanded 82% year over year to 11,420, and it kept its retention rate above 120%.</p><p><blockquote>2022财年第一季度，其收入同比增长70%至3.028亿美元，用户群同比增长82%至11,420人，留存率保持在120%以上。</blockquote></p><p></p><p> CrowdStrike also turned profitable on a non-GAAP basis in 2021, with a net profit of $62.6 million. Its non-GAAP net income rose more than fivefold year over year to $23.3 million in the first quarter of 2022.</p><p><blockquote>CrowdStrike也在2021年实现了非GAAP盈利，净利润为6260万美元。2022年第一季度，其非GAAP净利润同比增长五倍多，达到2330万美元。</blockquote></p><p> Those&nbsp;numbers are impressive, but CrowdStrike still trades at about 350 times forward earnings and more than 40 times this year's sales. Therefore, this is another stock I won't buy unless the market crashes.</p><p><blockquote>这些数字令人印象深刻，但CrowdStrike的市盈率仍约为350倍，是今年销售额的40多倍。因此，这是另一只我不会买的股票，除非市场崩盘。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.fool.com/investing/2021/07/01/expensive-tech-stocks-to-buy-in-next-market-crash/\">Motley Fool</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"CRWD":"CrowdStrike Holdings, Inc.","TWLO":"Twilio Inc","SNOW":"Snowflake"},"source_url":"https://www.fool.com/investing/2021/07/01/expensive-tech-stocks-to-buy-in-next-market-crash/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1199212665","content_text":"Many high-growth tech stocks have seen price pullbacks over the past few months, due to concerns about higher bond yields, inflation, and decelerating growth for companies that benefited from the pandemic.\nThat sell-off created some buying opportunities -- but some of the sector's pricier names merely pulled back slightly, held onto their gains, or even rallied. That relative strength is admirable, but it's a bit frustrating for investors who don't want to pay the wrong price for the right company.\nThat's why I'm making a shopping list of expensive tech stocks which I'd eagerly buy during the next market crash. Let's take a look at three of those companies:Snowflake(NYSE:SNOW),Twilio(NYSE:TWLO), and CrowdStrike(NASDAQ:CRWD).\nIMAGE SOURCE: GETTY IMAGES.\n1. Snowflake\nSnowflake was one of the hottest tech IPOs of 2020, thanks to its jaw-dropping growth rates and big investments from Berkshire Hathaway and salesforce.com.\nSnowflake'scloud-baseddata warehouse pulls all of a company's data onto a single platform, where it can then be fed into third-party data visualization apps. Its service breaks down the silos between different departments and computing platforms, which makes it easier for large companies to make data-driven decisions.\nSnowflake's number of customers jumped 73% to 4,139 in fiscal 2021 (which ended this January), including 186 of the Fortune 500 companies. Its revenue surged 124% to $592 million, as its net retention rate -- which gauges its year-over-year revenue growth per existing customer -- hit 165%.\nThat growth continued in the first quarter of 2022. Its revenue rose 110% year over year to $228.9 million, its number of customers increased 67% to 4,532, and it achieved a net retention rate of 168%.\nBut Snowflake isn't profitable yet. ItsGAAPnet loss widened from $348.5 million in fiscal 2020 to $539.1 million in fiscal 2021, andmore than doubledfrom $93.6 million to $203.2 million in the first quarter of 2022. It's also unprofitable on a non-GAAP basis, which excludes its stock-based compensation expenses.\nAnalysts expect Snowflake's revenue to rise 88% this year, with a narrower loss. However, its stock still trades at 65 times this year's sales -- which indicates there's still far too much growth baked into the stock. But if Snowflake gets cut in half in a crash, I'd considerstarting a big position.\n2. Twilio\nTwilio's cloud platform processes text messages, calls, and videos within apps. For example, it helps Lyft's passengers contact their drivers, and Airbnb's guests reach their hosts.\nIn the past, developers built those tools from scratch, which was generally time-consuming, buggy, and difficult to scale. However, developers can now outsource those features to Twilio's cloud service by simply adding a few lines of code to their apps.\nTwilio's revenue rose 55% to $1.76 billion in 2020. Its net expansion rate, which is comparable to Snowflake's net retention rate, reached 137%. In the first quarter of 2021, its revenue jumped 62% year over year to $590 million as it integrated its recent purchase of the customer data firm Segment.\nTwilio remains unprofitable on a GAAP basis, but its non-GAAP net income rose 62% to $35.9 million in 2020. In the first quarter of 2021, its non-GAAP net income rose another 15% to $9.6 million.\nAnalysts expect its revenue to rise 44% this year, but for its non-GAAP earnings to dip into the red again amid higher investments and rising A2P (application-to-person) fees, which are now charged by carriers whenever an app accesses an SMS network.\nThat near-term outlook doesn't look great for a stock that trades at nearly 30 times this year's sales. However, I still think Twilio has great growth potential, and I'd definitely buy its stock at a lower price.\n3. CrowdStrike\nCrowdStrike is a cybersecurity company that differs from its industry peers in one major way. Most cybersecurity companies install on-site appliances to support their services, which can be expensive to maintain and difficult to scale as an organization expands. CrowdStrike eliminates those appliances by offering its end-to-end security platform as a cloud-based service.\nCrowdStrike's growth clearly reflects its disruptive potential. Its revenue rose 82% to $874.4 million in fiscal 2021 (which ended this January), its number of subscription customers increased 82% to 9,896, and its net retention rate stayed above 120%.\nIn the first quarter of fiscal 2022, its revenue rose 70% year over year to $302.8 million, its subscriber base expanded 82% year over year to 11,420, and it kept its retention rate above 120%.\nCrowdStrike also turned profitable on a non-GAAP basis in 2021, with a net profit of $62.6 million. Its non-GAAP net income rose more than fivefold year over year to $23.3 million in the first quarter of 2022.\nThose numbers are impressive, but CrowdStrike still trades at about 350 times forward earnings and more than 40 times this year's sales. Therefore, this is another stock I won't buy unless the market crashes.","news_type":1,"symbols_score_info":{"CRWD":0.9,"SNOW":0.9,"TWLO":0.9}},"isVote":1,"tweetType":1,"viewCount":1423,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":129420939,"gmtCreate":1624382138321,"gmtModify":1634006918765,"author":{"id":"3561973624039189","authorId":"3561973624039189","name":"LINALICIA","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3561973624039189","idStr":"3561973624039189"},"themes":[],"htmlText":"Wow","listText":"Wow","text":"Wow","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/129420939","repostId":"1118580429","repostType":4,"isVote":1,"tweetType":1,"viewCount":1405,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"defaultTab":"followers","isTTM":false}