Abnegation的个人主页 - 老虎社区

Abnegation

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2021-09-23

sreits!

2021-09-23

$SIA 5xLongSG230420(DKKW.SI)$what is tis

2021-09-22

$SINGAPORE AIRLINES LTD(C6L.SI)$volatility

2021-09-18

$SANLI ENVIRONMENTAL LIMITED(1E3.SI)$help me

2021-09-18

$APAC REALTY LIMITED(CLN.SI)$oh my gosh

2021-09-17

$YANGZIJIANG SHIPBLDG HLDGS LTD(BS6.SI)$great swing

2021-09-16

$ESR-REIT(J91U.SI)$ monitoring

2021-09-16

Why :(

2021-09-15

$UMS HOLDINGS LIMITED(558.SI)$let's go!

2021-09-15

Amazing!

Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</blockquote>

2021-08-24

$UMS HOLDINGS LIMITED(558.SI)$new bet

2021-08-21

Opportunity

2021-08-18

Wow dental!

2021-08-16

Watching closely

2021-08-14

Good or no?

2021-08-14

$UNION GAS HOLDINGS LIMITED(1F2.SI)$oh no to the decreasing profits

2021-08-12

Calm before the storm

2021-08-11

$MUN SIONG ENGINEERING LIMITED(MF6.SI)$sad

2021-08-10

Volatile?

2021-08-09

$UNION GAS HOLDINGS LIMITED(1F2.SI)$aatb for market open

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monitoring","images":[{"img":"https://static.tigerbbs.com/cf7c0acfde92b5e8ab1fc03ec1a2c9ef","width":"1080","height":"2166"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/885055649","isVote":1,"tweetType":1,"viewCount":1612,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":885055841,"gmtCreate":1631747911783,"gmtModify":1631889913114,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087348917371400","idStr":"4087348917371400"},"themes":[],"htmlText":"Why :(","listText":"Why :(","text":"Why :(","images":[{"img":"https://static.tigerbbs.com/e4794caa28cdf28705dfc58219342846","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/885055841","isVote":1,"tweetType":1,"viewCount":1050,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":882520508,"gmtCreate":1631709276804,"gmtModify":1631888839324,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087348917371400","idStr":"4087348917371400"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/558.SI\">$UMS HOLDINGS LIMITED(558.SI)$</a>let's go!","listText":"<a href=\"https://laohu8.com/S/558.SI\">$UMS HOLDINGS LIMITED(558.SI)$</a>let's go!","text":"$UMS HOLDINGS LIMITED(558.SI)$let's go!","images":[{"img":"https://static.tigerbbs.com/e717f7bf668176c2d0f883364e4043a1","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/882520508","isVote":1,"tweetType":1,"viewCount":1629,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":882520984,"gmtCreate":1631709221048,"gmtModify":1631889913125,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4087348917371400","idStr":"4087348917371400"},"themes":[],"htmlText":"Amazing!","listText":"Amazing!","text":"Amazing!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/882520984","repostId":"1142964056","repostType":4,"repost":{"id":"1142964056","kind":"news","pubTimestamp":1631708208,"share":"https://www.laohu8.com/m/news/1142964056?lang=zh_CN&edition=full","pubTime":"2021-09-15 20:16","market":"us","language":"en","title":"Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1142964056","media":"The Wall Street Journal","summary":"Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvem","content":"<p>Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements</p><p><blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等一次性大额购买</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\"><span>Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.</span></p><p><blockquote><p class=\"t-img-caption\"><span>高盛将以每股约12美元的价格收购专业贷款机构GreenSky。</span></p></blockquote></p><p> Goldman Sachs Group&nbsp;Inc.&nbsp;is buying specialty lender&nbsp;GreenSky&nbsp;Inc.&nbsp;for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.</p><p><blockquote>高盛集团(Goldman Sachs Group Inc.)将以22亿美元收购专业贷款机构GreenSky Inc.，希望这笔交易能够进一步将其从华尔街巨头重塑为大街参与者。</blockquote></p><p> GreenSky stock Popped 45% in premarket trading.</p><p><blockquote>GreenSky股价在盘前交易中上涨45%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Goldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from&nbsp;Home Depot&nbsp;Inc.&nbsp;to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.</p><p><blockquote>高盛将以每股约12美元的价格收购GreenSky，该公司为建筑项目或整容手术等大型一次性采购安排贷款。它与从家得宝公司到独立医生和牙医等数千家商家合作，并将其贷款宣传为信用卡更便宜、更负责任的替代品。</blockquote></p><p> “Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”</p><p><blockquote>高盛首席执行官大卫·所罗门在接受采访时表示：“我们的目标是建立一个真正的未来银行平台。”“这让我们在这段旅程中继续前进。”</blockquote></p><p> GreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as&nbsp;a technology platform&nbsp;connecting consumers who need help covering a major purchase and merchants eager to increase sales.</p><p><blockquote>GreenSky于2018年上市，估值约为40亿美元，是承诺重塑人们借贷方式的新一代初创公司的一部分。它将自己定位为一个技术平台，将需要帮助购买大宗商品的消费者和渴望增加销售额的商家联系起来。</blockquote></p><p> But missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding&nbsp;—&nbsp;started to sour&nbsp;on the sector.</p><p><blockquote>但拖欠付款的情况有所增加，使这家企业看起来更像是一家繁荣与萧条的贷款机构，而不是一家成长中的软件公司。GreenSky赖以购买大部分贷款的银行——该公司本身不是银行，需要外部资金——开始对该行业产生不利影响。</blockquote></p><p> The pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.</p><p><blockquote>疫情没有帮助。居家令停止了选择性医疗程序。原本该公司资助的改造项目因供应链问题和劳动力短缺而陷入困境。GreenSky的股价较峰值下跌了约70%。</blockquote></p><p> The deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.</p><p><blockquote>该交易价格比GreenSky周二的收盘价高出55%，但其中包括4.45亿美元的税收调整。所罗门表示，GreenSky创始人兼最大股东大卫·扎利克(David Zalik)将作为合伙人加入高盛。</blockquote></p><p> Goldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with&nbsp;Apple&nbsp;Inc.&nbsp;to launch a credit card, with&nbsp;JetBlue Airways&nbsp;Corp.&nbsp;to lend to travelers, and with&nbsp;Amazon.com&nbsp;Inc.&nbsp;to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.</p><p><blockquote>高盛的消费者银行Marcus于2016年推出，目前提供储蓄账户、个人贷款和投资建议。但该公司在大街上没有分支机构，也没有悠久的历史，但它已经建立了一系列合作伙伴关系来吸引客户——与苹果公司推出信用卡，与捷蓝航空公司向旅行者提供贷款，与亚马逊公司合作为这家科技巨头市场上的独立卖家提供库存融资。购买GreenSky一举带来数千商家。</blockquote></p><p> GreenSky is part of the&nbsp;“buy now, pay later”&nbsp;wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with&nbsp;Afterpay&nbsp;Ltd.&nbsp;selling to Square Inc. for $29 billion and&nbsp;PayPal Holdings&nbsp;Inc.&nbsp;buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.</p><p><blockquote>GreenSky是“先买后付”公司浪潮的一部分，这些公司提供贷款，让消费者在数周或数月内分散购买，通常利率低于信用卡。今年，该行业的交易数量有所增加，Afterpay Ltd.以290亿美元的价格出售给Square Inc.，PayPal控股公司以27亿美元的价格收购了日本的Paidy Inc.。这些公司主要为在线购买提供融资，而GreenSky则通过实体商家和家居装修承包商兜售贷款。</blockquote></p><p> Goldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month&nbsp;struck a deal for a European money manager.</p><p><blockquote>高盛长期以来一直反对收购，更喜欢培养自己的人才并进行内部建设。在2018年就任最高职位的前交易撮合者所罗门(Solomon)的领导下，该公司的收购力度更加强劲。该公司于2019年收购了一个财务顾问网络，并于上个月与一家欧洲基金管理公司达成了交易。</blockquote></p><p> Goldman flirted with acquiring GreenSky&nbsp;two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.</p><p><blockquote>两年前，高盛曾考虑收购GreenSky，当时GreenSky在股价暴跌后寻找潜在买家。这些谈判失败了，但该公司在今年早些时候重新启动了销售流程。</blockquote></p><p> GreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.</p><p><blockquote>GreenSky于7月与消费者金融保护局达成和解，以解决监管机构所称的“粗心的业务和客户服务行为”，这些行为允许商家和承包商代表数千名没有提出要求的客户获得贷款。GreenSky同意取消高达900万美元的未偿还贷款，并支付250万美元的罚款。</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>Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</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\">\nGoldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-09-15 20:16</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements</p><p><blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等一次性大额购买</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\"><span>Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.</span></p><p><blockquote><p class=\"t-img-caption\"><span>高盛将以每股约12美元的价格收购专业贷款机构GreenSky。</span></p></blockquote></p><p> Goldman Sachs Group&nbsp;Inc.&nbsp;is buying specialty lender&nbsp;GreenSky&nbsp;Inc.&nbsp;for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.</p><p><blockquote>高盛集团(Goldman Sachs Group Inc.)将以22亿美元收购专业贷款机构GreenSky Inc.，希望这笔交易能够进一步将其从华尔街巨头重塑为大街参与者。</blockquote></p><p> GreenSky stock Popped 45% in premarket trading.</p><p><blockquote>GreenSky股价在盘前交易中上涨45%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Goldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from&nbsp;Home Depot&nbsp;Inc.&nbsp;to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.</p><p><blockquote>高盛将以每股约12美元的价格收购GreenSky，该公司为建筑项目或整容手术等大型一次性采购安排贷款。它与从家得宝公司到独立医生和牙医等数千家商家合作，并将其贷款宣传为信用卡更便宜、更负责任的替代品。</blockquote></p><p> “Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”</p><p><blockquote>高盛首席执行官大卫·所罗门在接受采访时表示：“我们的目标是建立一个真正的未来银行平台。”“这让我们在这段旅程中继续前进。”</blockquote></p><p> GreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as&nbsp;a technology platform&nbsp;connecting consumers who need help covering a major purchase and merchants eager to increase sales.</p><p><blockquote>GreenSky于2018年上市，估值约为40亿美元，是承诺重塑人们借贷方式的新一代初创公司的一部分。它将自己定位为一个技术平台，将需要帮助购买大宗商品的消费者和渴望增加销售额的商家联系起来。</blockquote></p><p> But missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding&nbsp;—&nbsp;started to sour&nbsp;on the sector.</p><p><blockquote>但拖欠付款的情况有所增加，使这家企业看起来更像是一家繁荣与萧条的贷款机构，而不是一家成长中的软件公司。GreenSky赖以购买大部分贷款的银行——该公司本身不是银行，需要外部资金——开始对该行业产生不利影响。</blockquote></p><p> The pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.</p><p><blockquote>疫情没有帮助。居家令停止了选择性医疗程序。原本该公司资助的改造项目因供应链问题和劳动力短缺而陷入困境。GreenSky的股价较峰值下跌了约70%。</blockquote></p><p> The deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.</p><p><blockquote>该交易价格比GreenSky周二的收盘价高出55%，但其中包括4.45亿美元的税收调整。所罗门表示，GreenSky创始人兼最大股东大卫·扎利克(David Zalik)将作为合伙人加入高盛。</blockquote></p><p> Goldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with&nbsp;Apple&nbsp;Inc.&nbsp;to launch a credit card, with&nbsp;JetBlue Airways&nbsp;Corp.&nbsp;to lend to travelers, and with&nbsp;Amazon.com&nbsp;Inc.&nbsp;to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.</p><p><blockquote>高盛的消费者银行Marcus于2016年推出，目前提供储蓄账户、个人贷款和投资建议。但该公司在大街上没有分支机构，也没有悠久的历史，但它已经建立了一系列合作伙伴关系来吸引客户——与苹果公司推出信用卡，与捷蓝航空公司向旅行者提供贷款，与亚马逊公司合作为这家科技巨头市场上的独立卖家提供库存融资。购买GreenSky一举带来数千商家。</blockquote></p><p> GreenSky is part of the&nbsp;“buy now, pay later”&nbsp;wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with&nbsp;Afterpay&nbsp;Ltd.&nbsp;selling to Square Inc. for $29 billion and&nbsp;PayPal Holdings&nbsp;Inc.&nbsp;buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.</p><p><blockquote>GreenSky是“先买后付”公司浪潮的一部分，这些公司提供贷款，让消费者在数周或数月内分散购买，通常利率低于信用卡。今年，该行业的交易数量有所增加，Afterpay Ltd.以290亿美元的价格出售给Square Inc.，PayPal控股公司以27亿美元的价格收购了日本的Paidy Inc.。这些公司主要为在线购买提供融资，而GreenSky则通过实体商家和家居装修承包商兜售贷款。</blockquote></p><p> Goldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month&nbsp;struck a deal for a European money manager.</p><p><blockquote>高盛长期以来一直反对收购，更喜欢培养自己的人才并进行内部建设。在2018年就任最高职位的前交易撮合者所罗门(Solomon)的领导下，该公司的收购力度更加强劲。该公司于2019年收购了一个财务顾问网络，并于上个月与一家欧洲基金管理公司达成了交易。</blockquote></p><p> Goldman flirted with acquiring GreenSky&nbsp;two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.</p><p><blockquote>两年前，高盛曾考虑收购GreenSky，当时GreenSky在股价暴跌后寻找潜在买家。这些谈判失败了，但该公司在今年早些时候重新启动了销售流程。</blockquote></p><p> GreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.</p><p><blockquote>GreenSky于7月与消费者金融保护局达成和解，以解决监管机构所称的“粗心的业务和客户服务行为”，这些行为允许商家和承包商代表数千名没有提出要求的客户获得贷款。GreenSky同意取消高达900万美元的未偿还贷款，并支付250万美元的罚款。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/goldman-is-buying-greensky-in-a-2-2-billion-bid-to-finance-your-childs-braces-11631706601\">The Wall Street Journal</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":{"GSKY":"Greensky Inc.","GS":"高盛"},"source_url":"https://www.wsj.com/articles/goldman-is-buying-greensky-in-a-2-2-billion-bid-to-finance-your-childs-braces-11631706601","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1142964056","content_text":"Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements\nGoldman will pay roughly $12 a share in stock for specialty lender GreenSky.\nGoldman Sachs Group Inc. is buying specialty lender GreenSky Inc. for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.\nGreenSky stock Popped 45% in premarket trading.\n\nGoldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from Home Depot Inc. to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.\n“Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”\nGreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as a technology platform connecting consumers who need help covering a major purchase and merchants eager to increase sales.\nBut missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding — started to sour on the sector.\nThe pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.\nThe deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.\nGoldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with Apple Inc. to launch a credit card, with JetBlue Airways Corp. to lend to travelers, and with Amazon.com Inc. to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.\nGreenSky is part of the “buy now, pay later” wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with Afterpay Ltd. selling to Square Inc. for $29 billion and PayPal Holdings Inc. buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.\nGoldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month struck a deal for a European money manager.\nGoldman flirted with acquiring GreenSky two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.\nGreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. 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up!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":10,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/176392894","repostId":"1186658773","repostType":4,"repost":{"id":"1186658773","kind":"news","pubTimestamp":1626858727,"share":"https://www.laohu8.com/m/news/1186658773?lang=zh_CN&edition=full","pubTime":"2021-07-21 17:12","market":"us","language":"en","title":"\"Extremely Disconnected\" Energy Stocks Face Explosive Short Squeeze: JPM<blockquote>摩根大通：“极度脱节”的能源股面临爆炸性轧空</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1186658773","media":"zerohedge","summary":"As wereported earlier, JPM made a forceful statement against the recent market dump by hiking its S&","content":"<p>As wereported earlier, JPM made a forceful statement against the recent market dump by hiking its S&amp;P price target for various reasons, the chief of which was that a the coming tide of stock buybacks will lift all boats, with an emphasis on Consumer Recovery, Domestic Recovery and International Recovery stocks. It's also why JPM raised both its year-end EPS estimate by an additional $5 to $205, as well as its year-end SPX price target of 4,400 to 4,600.</p><p><blockquote>正如我们之前报道的那样，摩根大通出于各种原因上调了标准普尔目标价，对近期的市场抛售做出了强有力的声明，其中最主要的是即将到来的股票回购潮将提振所有船只，重点是消费者复苏、国内复苏和国际复苏股票。这也是摩根大通将年终每股收益预期额外上调5美元至205美元以及年终SPX目标价4,400美元至4,600美元的原因。</blockquote></p><p> And while JPMorgan's chief equity strategist Dubravko Lakos-Bujas was bullish on everything from Consumer Discretionary (i.e. Retail,</p><p><blockquote>尽管摩根大通首席股票策略师Dubravko Lakos-Bujas看好从非必需消费品（即零售、</blockquote></p><p> Travel &amp; Leisure), to Semis and Banks, there was one sector which he felt was poised was most likely to move sharply higher over the near-term.<b>Energy</b>.</p><p><blockquote>旅游和休闲）、半成品和银行，他认为有一个行业最有可能在短期内大幅走高。<b>能源</b>.</blockquote></p><p> There are two reasons behind his energy exuberance: the first is that as JPM discussed a few weeks ago,<b>large-cap Energy is now trading at a ~10% FCF yield and a &gt;8% FCF/EV yield at $70 Brent in 2022, with leverage that is &lt;1x</b>. These are extremely cheap numbers relative to recent history and indicate that the market is trading as if investors expect oil prices to plunge in the near future (something which the strip does not show).</p><p><blockquote>他的能源繁荣背后有两个原因：第一是正如摩根大通几周前讨论的那样，<b>大盘股能源目前的FCF收益率约为10%，2022年布伦特原油价格为70美元，FCF/EV收益率&gt;8%，杠杆率&lt;1倍</b>相对于最近的历史，这些数字是极其便宜的，表明市场的交易就好像投资者预计油价将在不久的将来暴跌一样（漫画没有显示这一点）。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/9989d19483221872af65f6fb09c9a0be\" tg-width=\"868\" tg-height=\"628\" width=\"100%\" height=\"auto\">Second, and much more relevant, is Dubrakvo's claim that the energy sector has \"<b>increasing potential for a sharp short squeeze and move higher, given its extreme disconnect from oil fundamentals</b>\" which as shown in the chart below is the widest in more than 30 years...</p><p><blockquote>第二，也是更相关的是杜布拉克沃声称能源部门已经“<b>鉴于其与石油基本面极度脱节，大幅轧空并走高的可能性越来越大</b>如下图所示，这是30多年来最宽的...</blockquote></p><p> <img src=\"https://static.tigerbbs.com/4857b35f19f8b39850baa1e88a2ded1f\" tg-width=\"592\" tg-height=\"448\" width=\"100%\" height=\"auto\">... while the divergence between oil and energy stocks is such that energy<b>names would need to gain approximately 40% from here to catch up to oil.</b></p><p><blockquote>...而石油和能源股之间的分歧使得能源<b>名字需要从这里获得大约40%的收益才能赶上石油。</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/e0b1026f1be7d3b95909af2ca1bc6020\" tg-width=\"624\" tg-height=\"450\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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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\">\n\"Extremely Disconnected\" Energy Stocks Face Explosive Short Squeeze: JPM<blockquote>摩根大通：“极度脱节”的能源股面临爆炸性轧空</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">zerohedge</strong><span class=\"h-time small\">2021-07-21 17:12</span>\n</p>\n</h4>\n</header>\n<article>\n<p>As wereported earlier, JPM made a forceful statement against the recent market dump by hiking its S&amp;P price target for various reasons, the chief of which was that a the coming tide of stock buybacks will lift all boats, with an emphasis on Consumer Recovery, Domestic Recovery and International Recovery stocks. It's also why JPM raised both its year-end EPS estimate by an additional $5 to $205, as well as its year-end SPX price target of 4,400 to 4,600.</p><p><blockquote>正如我们之前报道的那样，摩根大通出于各种原因上调了标准普尔目标价，对近期的市场抛售做出了强有力的声明，其中最主要的是即将到来的股票回购潮将提振所有船只，重点是消费者复苏、国内复苏和国际复苏股票。这也是摩根大通将年终每股收益预期额外上调5美元至205美元以及年终SPX目标价4,400美元至4,600美元的原因。</blockquote></p><p> And while JPMorgan's chief equity strategist Dubravko Lakos-Bujas was bullish on everything from Consumer Discretionary (i.e. Retail,</p><p><blockquote>尽管摩根大通首席股票策略师Dubravko Lakos-Bujas看好从非必需消费品（即零售、</blockquote></p><p> Travel &amp; Leisure), to Semis and Banks, there was one sector which he felt was poised was most likely to move sharply higher over the near-term.<b>Energy</b>.</p><p><blockquote>旅游和休闲）、半成品和银行，他认为有一个行业最有可能在短期内大幅走高。<b>能源</b>.</blockquote></p><p> There are two reasons behind his energy exuberance: the first is that as JPM discussed a few weeks ago,<b>large-cap Energy is now trading at a ~10% FCF yield and a &gt;8% FCF/EV yield at $70 Brent in 2022, with leverage that is &lt;1x</b>. These are extremely cheap numbers relative to recent history and indicate that the market is trading as if investors expect oil prices to plunge in the near future (something which the strip does not show).</p><p><blockquote>他的能源繁荣背后有两个原因：第一是正如摩根大通几周前讨论的那样，<b>大盘股能源目前的FCF收益率约为10%，2022年布伦特原油价格为70美元，FCF/EV收益率&gt;8%，杠杆率&lt;1倍</b>相对于最近的历史，这些数字是极其便宜的，表明市场的交易就好像投资者预计油价将在不久的将来暴跌一样（漫画没有显示这一点）。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/9989d19483221872af65f6fb09c9a0be\" tg-width=\"868\" tg-height=\"628\" width=\"100%\" height=\"auto\">Second, and much more relevant, is Dubrakvo's claim that the energy sector has \"<b>increasing potential for a sharp short squeeze and move higher, given its extreme disconnect from oil fundamentals</b>\" which as shown in the chart below is the widest in more than 30 years...</p><p><blockquote>第二，也是更相关的是杜布拉克沃声称能源部门已经“<b>鉴于其与石油基本面极度脱节，大幅轧空并走高的可能性越来越大</b>如下图所示，这是30多年来最宽的...</blockquote></p><p> <img src=\"https://static.tigerbbs.com/4857b35f19f8b39850baa1e88a2ded1f\" tg-width=\"592\" tg-height=\"448\" width=\"100%\" height=\"auto\">... while the divergence between oil and energy stocks is such that energy<b>names would need to gain approximately 40% from here to catch up to oil.</b></p><p><blockquote>...而石油和能源股之间的分歧使得能源<b>名字需要从这里获得大约40%的收益才能赶上石油。</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/e0b1026f1be7d3b95909af2ca1bc6020\" tg-width=\"624\" tg-height=\"450\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.zerohedge.com/markets/extremely-disconnected-energy-stocks-face-explosive-short-squeeze-jpm\">zerohedge</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":{"SPY":"标普500ETF",".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯"},"source_url":"https://www.zerohedge.com/markets/extremely-disconnected-energy-stocks-face-explosive-short-squeeze-jpm","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1186658773","content_text":"As wereported earlier, JPM made a forceful statement against the recent market dump by hiking its S&P price target for various reasons, the chief of which was that a the coming tide of stock buybacks will lift all boats, with an emphasis on Consumer Recovery, Domestic Recovery and International Recovery stocks. It's also why JPM raised both its year-end EPS estimate by an additional $5 to $205, as well as its year-end SPX price target of 4,400 to 4,600.\nAnd while JPMorgan's chief equity strategist Dubravko Lakos-Bujas was bullish on everything from Consumer Discretionary (i.e. Retail,\nTravel & Leisure), to Semis and Banks, there was one sector which he felt was poised was most likely to move sharply higher over the near-term.Energy.\nThere are two reasons behind his energy exuberance: the first is that as JPM discussed a few weeks ago,large-cap Energy is now trading at a ~10% FCF yield and a >8% FCF/EV yield at $70 Brent in 2022, with leverage that is <1x. These are extremely cheap numbers relative to recent history and indicate that the market is trading as if investors expect oil prices to plunge in the near future (something which the strip does not show).\nSecond, and much more relevant, is Dubrakvo's claim that the energy sector has \"increasing potential for a sharp short squeeze and move higher, given its extreme disconnect from oil fundamentals\" which as shown in the chart below is the widest in more than 30 years...\n... while the divergence between oil and energy stocks is such that energynames would need to gain approximately 40% from here to catch up to oil.","news_type":1,"symbols_score_info":{".SPX":0.9,".IXIC":0.9,".DJI":0.9,"SPY":0.9}},"isVote":1,"tweetType":1,"viewCount":492,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":142697792,"gmtCreate":1626144641916,"gmtModify":1631887920956,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4087348917371400","authorIdStr":"4087348917371400"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/ME8U.SI\">$MAPLETREE INDUSTRIAL TRUST(ME8U.SI)$</a>good stuff","listText":"<a href=\"https://laohu8.com/S/ME8U.SI\">$MAPLETREE INDUSTRIAL TRUST(ME8U.SI)$</a>good stuff","text":"$MAPLETREE INDUSTRIAL TRUST(ME8U.SI)$good stuff","images":[{"img":"https://static.tigerbbs.com/4527a6bd976e0be7a6f5d233c164e480","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":4,"repostSize":0,"link":"https://laohu8.com/post/142697792","isVote":1,"tweetType":1,"viewCount":846,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":143640648,"gmtCreate":1625793423084,"gmtModify":1631884275870,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4087348917371400","authorIdStr":"4087348917371400"},"themes":[],"htmlText":"GM up!","listText":"GM up!","text":"GM up!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":9,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/143640648","repostId":"1195657546","repostType":4,"isVote":1,"tweetType":1,"viewCount":505,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":154944668,"gmtCreate":1625473604854,"gmtModify":1631885482416,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4087348917371400","authorIdStr":"4087348917371400"},"themes":[],"htmlText":"Time to shift my stocks","listText":"Time to shift my stocks","text":"Time to shift my stocks","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/154944668","repostId":"2149875593","repostType":4,"isVote":1,"tweetType":1,"viewCount":407,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":152791118,"gmtCreate":1625353714634,"gmtModify":1633941407443,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4087348917371400","authorIdStr":"4087348917371400"},"themes":[],"htmlText":"Tiger coins!","listText":"Tiger coins!","text":"Tiger coins!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/152791118","repostId":"1188153141","repostType":4,"repost":{"id":"1188153141","kind":"news","pubTimestamp":1625276221,"share":"https://www.laohu8.com/m/news/1188153141?lang=zh_CN&edition=full","pubTime":"2021-07-03 09:37","market":"us","language":"en","title":"Suze Orman worries about a market crash — here's what you should do<blockquote>Suze Orman担心市场崩盘——以下是您应该做的</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1188153141","media":"MoneyWise","summary":"As stock markets continue setting records, fallout from COVID-19 continues to create problems for th","content":"<p>As stock markets continue setting records, fallout from COVID-19 continues to create problems for the economy.</p><p><blockquote>随着股市继续创下纪录，新冠肺炎的影响继续给经济带来问题。</blockquote></p><p> That clash has worried investing experts, including Suze Orman, who's gone so far as to say she’s now preparing for an inevitable market crash.</p><p><blockquote>这场冲突让投资专家感到担忧，其中包括苏茜·欧曼(Suze Orman)，她甚至表示，她现在正在为不可避免的市场崩盘做准备。</blockquote></p><p> And a famous measurement popularized by Warren Buffett — known as the Buffett Indicator — shows Orman might be onto something.</p><p><blockquote>沃伦·巴菲特推广的一项著名指标——巴菲特指标——表明奥曼可能有所发现。</blockquote></p><p> Here’s an explanation of where the concern is coming from and some techniques you can use tokeep your investment portfolio growingeven if the market goes south.</p><p><blockquote>以下解释了这种担忧的来源，以及即使市场下跌，您也可以使用一些技巧来保持投资组合的增长。</blockquote></p><p> <b>What does Suze Orman think?</b></p><p><blockquote><b>苏西·奥曼是怎么想的？</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/be8dc3ad363faad96bc575a22235562d\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Mediapunch/Shutterstock</p><p><blockquote>Mediapunch/Shutterstock</blockquote></p><p> Suze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s seeing happen with investment fads like GameStop has her concerned.</p><p><blockquote>几十年来，Suze Orman一直热切关注市场。她知道起起落落是意料之中的，但她所看到的像游戏驿站这样的投资时尚所发生的事情让她感到担忧。</blockquote></p><p> “I don’t like what I see happening in the market right now,” Orman said in a video for CNBC. “The economy has been horrible, but the stock market has been going.”</p><p><blockquote>“我不喜欢现在市场上发生的事情，”奥曼在CNBC的视频中表示。“经济一直很糟糕，但股市一直在上涨。”</blockquote></p><p> While investing is as easy now asusing a smartphone app, Orman is concerned about where we can go from these record highs.</p><p><blockquote>虽然现在投资就像使用智能手机应用程序一样容易，但奥曼担心我们能从这些历史高点走向何方。</blockquote></p><p> And even with stimulus checks, which are still going out, and the real estate market breaking its own records last year, Orman worries about what will come with the coronavirus — especially as new variants continue to pop up.</p><p><blockquote>即使刺激支票仍在发放，房地产市场去年也打破了自己的记录，奥曼仍担心冠状病毒会带来什么——特别是在新变种不断出现的情况下。</blockquote></p><p> What's more, she feels it’s just been too long since the last crash to stay this high much longer.</p><p><blockquote>更重要的是，她觉得距离上次崩盘已经太久了，不能再保持这么高的高度了。</blockquote></p><p> “This reminds me of 2000 all over again,” Orman says.</p><p><blockquote>“这让我又想起了2000年，”奥曼说。</blockquote></p><p> <b>The Buffett Indicator</b></p><p><blockquote><b>巴菲特指标</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/44ada32ecadcc4581fed208f4f4e4d53\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Larry W Smith/EPA/Shutterstock</p><p><blockquote>拉里·W·史密斯/EPA/Shutterstock</blockquote></p><p> One metric Warren Buffett uses to assess the market so regularly that it’s been named after him has been flashing red for long enough that market watchers are starting to wonder if it’s an outdated tool.</p><p><blockquote>沃伦·巴菲特经常用来评估市场的一项指标，以他的名字命名，已经亮起红灯足够长的时间，以至于市场观察人士开始怀疑这是否是一个过时的工具。</blockquote></p><p> But the Buffett Indicator, a measurement of the ratio of the stock market’s total value against U.S. economic output, continues to climb to previously unseen levels.</p><p><blockquote>但衡量股市总价值与美国经济产出比率的巴菲特指标继续攀升至前所未有的水平。</blockquote></p><p> And those in the know are wondering if it's a sign that we’re about to see a hard fall.</p><p><blockquote>知情人士想知道这是否是我们即将看到严重下跌的迹象。</blockquote></p><p> How to prepare for a crash<img src=\"https://static.tigerbbs.com/1ad912a6b4611d9e39b46d2851c78c9e\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Freedomz / Shutterstock</p><p><blockquote>如何为崩溃做好准备Freedomz/Shutterstock</blockquote></p><p> Orman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.</p><p><blockquote>Orman提出了三个建立简单投资策略的建议，以帮助您成功应对市场的任何急转弯。</blockquote></p><p> <b>1. Buy low</b></p><p><blockquote><b>1.低吸</b></blockquote></p><p> Part of what upsets Orman so much about the furor over meme stocks like GameStop is it goes completely against the average investor’s interests.</p><p><blockquote>奥曼对游戏驿站等模因股票的狂热感到如此不安的部分原因是，它完全违背了普通投资者的利益。</blockquote></p><p> “All of you have your heads screwed on backwards,” she says. “All you want is for these markets to go up and up and up. What good is that going to do you?”</p><p><blockquote>“你们所有人的头都被拧到了后面，”她说。“你想要的只是这些市场不断上涨。这对你有什么好处？”</blockquote></p><p> She points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.</p><p><blockquote>她指出，大多数人唯一的额外资金用于投资401(k)或IRA计划的退休生活。</blockquote></p><p> Because you probably don’t plan to touch that money for decades, the best long-term strategy is to buy low. That way, your dollar will go much further now, leaving plenty of room for growth over the next 20, 30 or 40 years.</p><p><blockquote>因为你可能几十年内都不打算碰这笔钱，所以最好的长期策略是低吸。这样，你的美元现在将走得更远，为未来20年、30年或40年留下足够的增长空间。</blockquote></p><p> <b>2. Invest on a schedule</b></p><p><blockquote><b>2.按计划投资</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/e4102f8a6d5002090743b1cbded32ef9\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">katjen / Shutterstock</p><p><blockquote>卡珍/Shutterstock</blockquote></p><p> While she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.</p><p><blockquote>虽然她更喜欢低价买入，但奥曼不建议你在市场上涨时完全停止投资。</blockquote></p><p> She wants casual investors to not get caught up in the daily ups and downs of the market.</p><p><blockquote>她希望普通投资者不要陷入市场每天的涨跌之中。</blockquote></p><p> In fact, cheering for downturns now may be your best bet at getting a larger piece of very profitable investments — like some lucky investors were able to do back in 2007 and 2008.</p><p><blockquote>事实上，现在为经济低迷欢呼可能是您获得更大份额利润丰厚的投资的最佳选择——就像一些幸运的投资者在2007年和2008年所做的那样。</blockquote></p><p> “When the market went down, down, down you could buy things at nothing,” says Orman. “And now look at them 15 years later.”</p><p><blockquote>“当市场下跌、下跌、下跌时，你可以免费购买东西，”奥曼说。“现在看看15年后的它们。”</blockquote></p><p> She suggests you set up a dollar-cost averaging strategy, which means you invest your money in equal portions at regular intervals, regardless of the market’s fluctuations.</p><p><blockquote>她建议你建立一个平均成本策略，这意味着无论市场波动如何，你都要定期等量投资。</blockquote></p><p> This kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.</p><p><blockquote>这种方法很容易用目前可供DIY投资者使用的许多投资应用程序中的任何一个来实施。</blockquote></p><p> There are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.</p><p><blockquote>甚至有些应用程序会通过将您的借记卡和信用卡购买的金额四舍五入到最接近的美元来自动投资您的零钱。</blockquote></p><p> <b>3. Diversify with fractional shares</b></p><p><blockquote><b>3.通过零碎股份实现多元化</b></blockquote></p><p> To help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments in many different types of assets and sectors of the economy.</p><p><blockquote>为了帮助应对市场特定角落的下跌，奥曼建议您分散投资——通过投资多种不同类型的资产和经济部门来平衡您的投资组合。</blockquote></p><p> Orman particularly recommends fractional-share investing. This approach allows you to buy a slice of a share for a big-name company that you otherwise wouldn’t be able to afford.</p><p><blockquote>奥曼特别推荐零股投资。这种方法允许你购买一家知名公司的一部分股份，否则你将买不起。</blockquote></p><p></p><p> With the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.</p><p><blockquote>在流行的股票交易工具的帮助下，任何预算的人都可以负担得起碎股策略。</blockquote></p><p> “The sooner you begin, the more money you will have,” says Orman. “Just don’t stop, and when these markets go down, you should be so happy because your dollars find more shares.”</p><p><blockquote>“你越早开始，你拥有的钱就越多，”奥曼说。“只是不要停下来，当这些市场下跌时，你应该很高兴，因为你的美元找到了更多的份额。”</blockquote></p><p> “And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”</p><p><blockquote>“你拥有的股票越多，20年、40年、50年后你拥有的钱就越多。”</blockquote></p><p> <b>What else you can do</b></p><p><blockquote><b>你还能做什么</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/5e79c6fd1f8fa6e3a7c3a6c94f1e14b5\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">goodluz / Shutterstock</p><p><blockquote>古德卢兹/Shutterstock</blockquote></p><p> Whether or not a big crash is around the corner, investors who are still decades out from retirement can make that work for them, Orman said in theCNBC video.</p><p><blockquote>奥曼在CNBC视频中表示，无论大崩盘是否即将来临，距离退休还有几十年的投资者都可以利用这一点。</blockquote></p><p> First, prepare for the worst and hope for the best. Since the onset of the pandemic, Orman now recommends everyone have an emergency fund that can cover their expenses for a full year.</p><p><blockquote>第一，做最坏的打算，抱最好的希望。自从疫情爆发以来，奥曼现在建议每个人都有一个应急基金，可以支付他们一整年的费用。</blockquote></p><p> Then, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.</p><p><blockquote>然后，为了让自己过上舒适的退休生活，她建议您选择Roth账户，无论是401(k)还是IRA。</blockquote></p><p> That will help you avoid paying tax when you take money out of your retirement account because your contributions to a Roth account are made after tax. Traditional IRAs, on the other hand, aren’t taxed when you make contributions, so you’ll end up paying later.</p><p><blockquote>这将帮助您在从退休账户中提取资金时避免纳税，因为您对罗斯账户的供款是税后进行的。另一方面，传统IRA在您缴款时无需纳税，因此您最终会稍后付款。</blockquote></p><p> If you find you need a little more guidance, working with aprofessional financial adviser, can help point you in the right direction so you can confidently ride out any market volatility.</p><p><blockquote>如果您发现需要更多指导，与专业财务顾问合作可以帮助您指出正确的方向，以便您可以自信地度过任何市场波动。</blockquote></p><p> While everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.</p><p><blockquote>当其他人都在偏离路线或矫枉过正时，你将牢牢地坐在驾驶座上，计划好你的晚年。</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>Suze Orman worries about a market crash — here's what you should do<blockquote>Suze Orman担心市场崩盘——以下是您应该做的</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\">\nSuze Orman worries about a market crash — here's what you should do<blockquote>Suze Orman担心市场崩盘——以下是您应该做的</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 09:37</span>\n</p>\n</h4>\n</header>\n<article>\n<p>As stock markets continue setting records, fallout from COVID-19 continues to create problems for the economy.</p><p><blockquote>随着股市继续创下纪录，新冠肺炎的影响继续给经济带来问题。</blockquote></p><p> That clash has worried investing experts, including Suze Orman, who's gone so far as to say she’s now preparing for an inevitable market crash.</p><p><blockquote>这场冲突让投资专家感到担忧，其中包括苏茜·欧曼(Suze Orman)，她甚至表示，她现在正在为不可避免的市场崩盘做准备。</blockquote></p><p> And a famous measurement popularized by Warren Buffett — known as the Buffett Indicator — shows Orman might be onto something.</p><p><blockquote>沃伦·巴菲特推广的一项著名指标——巴菲特指标——表明奥曼可能有所发现。</blockquote></p><p> Here’s an explanation of where the concern is coming from and some techniques you can use tokeep your investment portfolio growingeven if the market goes south.</p><p><blockquote>以下解释了这种担忧的来源，以及即使市场下跌，您也可以使用一些技巧来保持投资组合的增长。</blockquote></p><p> <b>What does Suze Orman think?</b></p><p><blockquote><b>苏西·奥曼是怎么想的？</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/be8dc3ad363faad96bc575a22235562d\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Mediapunch/Shutterstock</p><p><blockquote>Mediapunch/Shutterstock</blockquote></p><p> Suze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s seeing happen with investment fads like GameStop has her concerned.</p><p><blockquote>几十年来，Suze Orman一直热切关注市场。她知道起起落落是意料之中的，但她所看到的像游戏驿站这样的投资时尚所发生的事情让她感到担忧。</blockquote></p><p> “I don’t like what I see happening in the market right now,” Orman said in a video for CNBC. “The economy has been horrible, but the stock market has been going.”</p><p><blockquote>“我不喜欢现在市场上发生的事情，”奥曼在CNBC的视频中表示。“经济一直很糟糕，但股市一直在上涨。”</blockquote></p><p> While investing is as easy now asusing a smartphone app, Orman is concerned about where we can go from these record highs.</p><p><blockquote>虽然现在投资就像使用智能手机应用程序一样容易，但奥曼担心我们能从这些历史高点走向何方。</blockquote></p><p> And even with stimulus checks, which are still going out, and the real estate market breaking its own records last year, Orman worries about what will come with the coronavirus — especially as new variants continue to pop up.</p><p><blockquote>即使刺激支票仍在发放，房地产市场去年也打破了自己的记录，奥曼仍担心冠状病毒会带来什么——特别是在新变种不断出现的情况下。</blockquote></p><p> What's more, she feels it’s just been too long since the last crash to stay this high much longer.</p><p><blockquote>更重要的是，她觉得距离上次崩盘已经太久了，不能再保持这么高的高度了。</blockquote></p><p> “This reminds me of 2000 all over again,” Orman says.</p><p><blockquote>“这让我又想起了2000年，”奥曼说。</blockquote></p><p> <b>The Buffett Indicator</b></p><p><blockquote><b>巴菲特指标</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/44ada32ecadcc4581fed208f4f4e4d53\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Larry W Smith/EPA/Shutterstock</p><p><blockquote>拉里·W·史密斯/EPA/Shutterstock</blockquote></p><p> One metric Warren Buffett uses to assess the market so regularly that it’s been named after him has been flashing red for long enough that market watchers are starting to wonder if it’s an outdated tool.</p><p><blockquote>沃伦·巴菲特经常用来评估市场的一项指标，以他的名字命名，已经亮起红灯足够长的时间，以至于市场观察人士开始怀疑这是否是一个过时的工具。</blockquote></p><p> But the Buffett Indicator, a measurement of the ratio of the stock market’s total value against U.S. economic output, continues to climb to previously unseen levels.</p><p><blockquote>但衡量股市总价值与美国经济产出比率的巴菲特指标继续攀升至前所未有的水平。</blockquote></p><p> And those in the know are wondering if it's a sign that we’re about to see a hard fall.</p><p><blockquote>知情人士想知道这是否是我们即将看到严重下跌的迹象。</blockquote></p><p> How to prepare for a crash<img src=\"https://static.tigerbbs.com/1ad912a6b4611d9e39b46d2851c78c9e\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Freedomz / Shutterstock</p><p><blockquote>如何为崩溃做好准备Freedomz/Shutterstock</blockquote></p><p> Orman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.</p><p><blockquote>Orman提出了三个建立简单投资策略的建议，以帮助您成功应对市场的任何急转弯。</blockquote></p><p> <b>1. Buy low</b></p><p><blockquote><b>1.低吸</b></blockquote></p><p> Part of what upsets Orman so much about the furor over meme stocks like GameStop is it goes completely against the average investor’s interests.</p><p><blockquote>奥曼对游戏驿站等模因股票的狂热感到如此不安的部分原因是，它完全违背了普通投资者的利益。</blockquote></p><p> “All of you have your heads screwed on backwards,” she says. “All you want is for these markets to go up and up and up. What good is that going to do you?”</p><p><blockquote>“你们所有人的头都被拧到了后面，”她说。“你想要的只是这些市场不断上涨。这对你有什么好处？”</blockquote></p><p> She points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.</p><p><blockquote>她指出，大多数人唯一的额外资金用于投资401(k)或IRA计划的退休生活。</blockquote></p><p> Because you probably don’t plan to touch that money for decades, the best long-term strategy is to buy low. That way, your dollar will go much further now, leaving plenty of room for growth over the next 20, 30 or 40 years.</p><p><blockquote>因为你可能几十年内都不打算碰这笔钱，所以最好的长期策略是低吸。这样，你的美元现在将走得更远，为未来20年、30年或40年留下足够的增长空间。</blockquote></p><p> <b>2. Invest on a schedule</b></p><p><blockquote><b>2.按计划投资</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/e4102f8a6d5002090743b1cbded32ef9\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">katjen / Shutterstock</p><p><blockquote>卡珍/Shutterstock</blockquote></p><p> While she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.</p><p><blockquote>虽然她更喜欢低价买入，但奥曼不建议你在市场上涨时完全停止投资。</blockquote></p><p> She wants casual investors to not get caught up in the daily ups and downs of the market.</p><p><blockquote>她希望普通投资者不要陷入市场每天的涨跌之中。</blockquote></p><p> In fact, cheering for downturns now may be your best bet at getting a larger piece of very profitable investments — like some lucky investors were able to do back in 2007 and 2008.</p><p><blockquote>事实上，现在为经济低迷欢呼可能是您获得更大份额利润丰厚的投资的最佳选择——就像一些幸运的投资者在2007年和2008年所做的那样。</blockquote></p><p> “When the market went down, down, down you could buy things at nothing,” says Orman. “And now look at them 15 years later.”</p><p><blockquote>“当市场下跌、下跌、下跌时，你可以免费购买东西，”奥曼说。“现在看看15年后的它们。”</blockquote></p><p> She suggests you set up a dollar-cost averaging strategy, which means you invest your money in equal portions at regular intervals, regardless of the market’s fluctuations.</p><p><blockquote>她建议你建立一个平均成本策略，这意味着无论市场波动如何，你都要定期等量投资。</blockquote></p><p> This kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.</p><p><blockquote>这种方法很容易用目前可供DIY投资者使用的许多投资应用程序中的任何一个来实施。</blockquote></p><p> There are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.</p><p><blockquote>甚至有些应用程序会通过将您的借记卡和信用卡购买的金额四舍五入到最接近的美元来自动投资您的零钱。</blockquote></p><p> <b>3. Diversify with fractional shares</b></p><p><blockquote><b>3.通过零碎股份实现多元化</b></blockquote></p><p> To help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments in many different types of assets and sectors of the economy.</p><p><blockquote>为了帮助应对市场特定角落的下跌，奥曼建议您分散投资——通过投资多种不同类型的资产和经济部门来平衡您的投资组合。</blockquote></p><p> Orman particularly recommends fractional-share investing. This approach allows you to buy a slice of a share for a big-name company that you otherwise wouldn’t be able to afford.</p><p><blockquote>奥曼特别推荐零股投资。这种方法允许你购买一家知名公司的一部分股份，否则你将买不起。</blockquote></p><p></p><p> With the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.</p><p><blockquote>在流行的股票交易工具的帮助下，任何预算的人都可以负担得起碎股策略。</blockquote></p><p> “The sooner you begin, the more money you will have,” says Orman. “Just don’t stop, and when these markets go down, you should be so happy because your dollars find more shares.”</p><p><blockquote>“你越早开始，你拥有的钱就越多，”奥曼说。“只是不要停下来，当这些市场下跌时，你应该很高兴，因为你的美元找到了更多的份额。”</blockquote></p><p> “And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”</p><p><blockquote>“你拥有的股票越多，20年、40年、50年后你拥有的钱就越多。”</blockquote></p><p> <b>What else you can do</b></p><p><blockquote><b>你还能做什么</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/5e79c6fd1f8fa6e3a7c3a6c94f1e14b5\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">goodluz / Shutterstock</p><p><blockquote>古德卢兹/Shutterstock</blockquote></p><p> Whether or not a big crash is around the corner, investors who are still decades out from retirement can make that work for them, Orman said in theCNBC video.</p><p><blockquote>奥曼在CNBC视频中表示，无论大崩盘是否即将来临，距离退休还有几十年的投资者都可以利用这一点。</blockquote></p><p> First, prepare for the worst and hope for the best. Since the onset of the pandemic, Orman now recommends everyone have an emergency fund that can cover their expenses for a full year.</p><p><blockquote>第一，做最坏的打算，抱最好的希望。自从疫情爆发以来，奥曼现在建议每个人都有一个应急基金，可以支付他们一整年的费用。</blockquote></p><p> Then, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.</p><p><blockquote>然后，为了让自己过上舒适的退休生活，她建议您选择Roth账户，无论是401(k)还是IRA。</blockquote></p><p> That will help you avoid paying tax when you take money out of your retirement account because your contributions to a Roth account are made after tax. Traditional IRAs, on the other hand, aren’t taxed when you make contributions, so you’ll end up paying later.</p><p><blockquote>这将帮助您在从退休账户中提取资金时避免纳税，因为您对罗斯账户的供款是税后进行的。另一方面，传统IRA在您缴款时无需纳税，因此您最终会稍后付款。</blockquote></p><p> If you find you need a little more guidance, working with aprofessional financial adviser, can help point you in the right direction so you can confidently ride out any market volatility.</p><p><blockquote>如果您发现需要更多指导，与专业财务顾问合作可以帮助您指出正确的方向，以便您可以自信地度过任何市场波动。</blockquote></p><p> While everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.</p><p><blockquote>当其他人都在偏离路线或矫枉过正时，你将牢牢地坐在驾驶座上，计划好你的晚年。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/suze-orman-worries-market-crash-220000108.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":{".SPX":"S&P 500 Index",".DJI":"道琼斯",".IXIC":"NASDAQ Composite","SPY":"标普500ETF"},"source_url":"https://finance.yahoo.com/news/suze-orman-worries-market-crash-220000108.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1188153141","content_text":"As stock markets continue setting records, fallout from COVID-19 continues to create problems for the economy.\nThat clash has worried investing experts, including Suze Orman, who's gone so far as to say she’s now preparing for an inevitable market crash.\nAnd a famous measurement popularized by Warren Buffett — known as the Buffett Indicator — shows Orman might be onto something.\nHere’s an explanation of where the concern is coming from and some techniques you can use tokeep your investment portfolio growingeven if the market goes south.\nWhat does Suze Orman think?\nMediapunch/Shutterstock\nSuze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s seeing happen with investment fads like GameStop has her concerned.\n“I don’t like what I see happening in the market right now,” Orman said in a video for CNBC. “The economy has been horrible, but the stock market has been going.”\nWhile investing is as easy now asusing a smartphone app, Orman is concerned about where we can go from these record highs.\nAnd even with stimulus checks, which are still going out, and the real estate market breaking its own records last year, Orman worries about what will come with the coronavirus — especially as new variants continue to pop up.\nWhat's more, she feels it’s just been too long since the last crash to stay this high much longer.\n“This reminds me of 2000 all over again,” Orman says.\nThe Buffett Indicator\nLarry W Smith/EPA/Shutterstock\nOne metric Warren Buffett uses to assess the market so regularly that it’s been named after him has been flashing red for long enough that market watchers are starting to wonder if it’s an outdated tool.\nBut the Buffett Indicator, a measurement of the ratio of the stock market’s total value against U.S. economic output, continues to climb to previously unseen levels.\nAnd those in the know are wondering if it's a sign that we’re about to see a hard fall.\nHow to prepare for a crashFreedomz / Shutterstock\nOrman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.\n1. Buy low\nPart of what upsets Orman so much about the furor over meme stocks like GameStop is it goes completely against the average investor’s interests.\n“All of you have your heads screwed on backwards,” she says. “All you want is for these markets to go up and up and up. What good is that going to do you?”\nShe points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.\nBecause you probably don’t plan to touch that money for decades, the best long-term strategy is to buy low. That way, your dollar will go much further now, leaving plenty of room for growth over the next 20, 30 or 40 years.\n2. Invest on a schedule\nkatjen / Shutterstock\nWhile she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.\nShe wants casual investors to not get caught up in the daily ups and downs of the market.\nIn fact, cheering for downturns now may be your best bet at getting a larger piece of very profitable investments — like some lucky investors were able to do back in 2007 and 2008.\n“When the market went down, down, down you could buy things at nothing,” says Orman. “And now look at them 15 years later.”\nShe suggests you set up a dollar-cost averaging strategy, which means you invest your money in equal portions at regular intervals, regardless of the market’s fluctuations.\nThis kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.\nThere are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.\n3. Diversify with fractional shares\nTo help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments in many different types of assets and sectors of the economy.\nOrman particularly recommends fractional-share investing. This approach allows you to buy a slice of a share for a big-name company that you otherwise wouldn’t be able to afford.\nWith the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.\n“The sooner you begin, the more money you will have,” says Orman. “Just don’t stop, and when these markets go down, you should be so happy because your dollars find more shares.”\n“And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”\nWhat else you can do\ngoodluz / Shutterstock\nWhether or not a big crash is around the corner, investors who are still decades out from retirement can make that work for them, Orman said in theCNBC video.\nFirst, prepare for the worst and hope for the best. Since the onset of the pandemic, Orman now recommends everyone have an emergency fund that can cover their expenses for a full year.\nThen, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.\nThat will help you avoid paying tax when you take money out of your retirement account because your contributions to a Roth account are made after tax. Traditional IRAs, on the other hand, aren’t taxed when you make contributions, so you’ll end up paying later.\nIf you find you need a little more guidance, working with aprofessional financial adviser, can help point you in the right direction so you can confidently ride out any market volatility.\nWhile everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.","news_type":1,"symbols_score_info":{".SPX":0.9,"SPY":0.9,".IXIC":0.9,".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":340,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":887912965,"gmtCreate":1631957181057,"gmtModify":1632805086132,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4087348917371400","authorIdStr":"4087348917371400"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/CLN.SI\">$APAC REALTY LIMITED(CLN.SI)$</a>oh my gosh","listText":"<a href=\"https://laohu8.com/S/CLN.SI\">$APAC REALTY LIMITED(CLN.SI)$</a>oh my gosh","text":"$APAC REALTY LIMITED(CLN.SI)$oh my gosh","images":[{"img":"https://static.tigerbbs.com/607a42e510b6598b9e3b1125b1825d4b","width":"1080","height":"2166"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/887912965","isVote":1,"tweetType":1,"viewCount":1452,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":882520984,"gmtCreate":1631709221048,"gmtModify":1631889913125,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4087348917371400","authorIdStr":"4087348917371400"},"themes":[],"htmlText":"Amazing!","listText":"Amazing!","text":"Amazing!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/882520984","repostId":"1142964056","repostType":4,"repost":{"id":"1142964056","kind":"news","pubTimestamp":1631708208,"share":"https://www.laohu8.com/m/news/1142964056?lang=zh_CN&edition=full","pubTime":"2021-09-15 20:16","market":"us","language":"en","title":"Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1142964056","media":"The Wall Street Journal","summary":"Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvem","content":"<p>Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements</p><p><blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等一次性大额购买</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\"><span>Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.</span></p><p><blockquote><p class=\"t-img-caption\"><span>高盛将以每股约12美元的价格收购专业贷款机构GreenSky。</span></p></blockquote></p><p> Goldman Sachs Group&nbsp;Inc.&nbsp;is buying specialty lender&nbsp;GreenSky&nbsp;Inc.&nbsp;for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.</p><p><blockquote>高盛集团(Goldman Sachs Group Inc.)将以22亿美元收购专业贷款机构GreenSky Inc.，希望这笔交易能够进一步将其从华尔街巨头重塑为大街参与者。</blockquote></p><p> GreenSky stock Popped 45% in premarket trading.</p><p><blockquote>GreenSky股价在盘前交易中上涨45%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Goldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from&nbsp;Home Depot&nbsp;Inc.&nbsp;to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.</p><p><blockquote>高盛将以每股约12美元的价格收购GreenSky，该公司为建筑项目或整容手术等大型一次性采购安排贷款。它与从家得宝公司到独立医生和牙医等数千家商家合作，并将其贷款宣传为信用卡更便宜、更负责任的替代品。</blockquote></p><p> “Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”</p><p><blockquote>高盛首席执行官大卫·所罗门在接受采访时表示：“我们的目标是建立一个真正的未来银行平台。”“这让我们在这段旅程中继续前进。”</blockquote></p><p> GreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as&nbsp;a technology platform&nbsp;connecting consumers who need help covering a major purchase and merchants eager to increase sales.</p><p><blockquote>GreenSky于2018年上市，估值约为40亿美元，是承诺重塑人们借贷方式的新一代初创公司的一部分。它将自己定位为一个技术平台，将需要帮助购买大宗商品的消费者和渴望增加销售额的商家联系起来。</blockquote></p><p> But missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding&nbsp;—&nbsp;started to sour&nbsp;on the sector.</p><p><blockquote>但拖欠付款的情况有所增加，使这家企业看起来更像是一家繁荣与萧条的贷款机构，而不是一家成长中的软件公司。GreenSky赖以购买大部分贷款的银行——该公司本身不是银行，需要外部资金——开始对该行业产生不利影响。</blockquote></p><p> The pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.</p><p><blockquote>疫情没有帮助。居家令停止了选择性医疗程序。原本该公司资助的改造项目因供应链问题和劳动力短缺而陷入困境。GreenSky的股价较峰值下跌了约70%。</blockquote></p><p> The deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.</p><p><blockquote>该交易价格比GreenSky周二的收盘价高出55%，但其中包括4.45亿美元的税收调整。所罗门表示，GreenSky创始人兼最大股东大卫·扎利克(David Zalik)将作为合伙人加入高盛。</blockquote></p><p> Goldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with&nbsp;Apple&nbsp;Inc.&nbsp;to launch a credit card, with&nbsp;JetBlue Airways&nbsp;Corp.&nbsp;to lend to travelers, and with&nbsp;Amazon.com&nbsp;Inc.&nbsp;to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.</p><p><blockquote>高盛的消费者银行Marcus于2016年推出，目前提供储蓄账户、个人贷款和投资建议。但该公司在大街上没有分支机构，也没有悠久的历史，但它已经建立了一系列合作伙伴关系来吸引客户——与苹果公司推出信用卡，与捷蓝航空公司向旅行者提供贷款，与亚马逊公司合作为这家科技巨头市场上的独立卖家提供库存融资。购买GreenSky一举带来数千商家。</blockquote></p><p> GreenSky is part of the&nbsp;“buy now, pay later”&nbsp;wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with&nbsp;Afterpay&nbsp;Ltd.&nbsp;selling to Square Inc. for $29 billion and&nbsp;PayPal Holdings&nbsp;Inc.&nbsp;buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.</p><p><blockquote>GreenSky是“先买后付”公司浪潮的一部分，这些公司提供贷款，让消费者在数周或数月内分散购买，通常利率低于信用卡。今年，该行业的交易数量有所增加，Afterpay Ltd.以290亿美元的价格出售给Square Inc.，PayPal控股公司以27亿美元的价格收购了日本的Paidy Inc.。这些公司主要为在线购买提供融资，而GreenSky则通过实体商家和家居装修承包商兜售贷款。</blockquote></p><p> Goldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month&nbsp;struck a deal for a European money manager.</p><p><blockquote>高盛长期以来一直反对收购，更喜欢培养自己的人才并进行内部建设。在2018年就任最高职位的前交易撮合者所罗门(Solomon)的领导下，该公司的收购力度更加强劲。该公司于2019年收购了一个财务顾问网络，并于上个月与一家欧洲基金管理公司达成了交易。</blockquote></p><p> Goldman flirted with acquiring GreenSky&nbsp;two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.</p><p><blockquote>两年前，高盛曾考虑收购GreenSky，当时GreenSky在股价暴跌后寻找潜在买家。这些谈判失败了，但该公司在今年早些时候重新启动了销售流程。</blockquote></p><p> GreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.</p><p><blockquote>GreenSky于7月与消费者金融保护局达成和解，以解决监管机构所称的“粗心的业务和客户服务行为”，这些行为允许商家和承包商代表数千名没有提出要求的客户获得贷款。GreenSky同意取消高达900万美元的未偿还贷款，并支付250万美元的罚款。</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>Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</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\">\nGoldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-09-15 20:16</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements</p><p><blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等一次性大额购买</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\"><span>Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.</span></p><p><blockquote><p class=\"t-img-caption\"><span>高盛将以每股约12美元的价格收购专业贷款机构GreenSky。</span></p></blockquote></p><p> Goldman Sachs Group&nbsp;Inc.&nbsp;is buying specialty lender&nbsp;GreenSky&nbsp;Inc.&nbsp;for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.</p><p><blockquote>高盛集团(Goldman Sachs Group Inc.)将以22亿美元收购专业贷款机构GreenSky Inc.，希望这笔交易能够进一步将其从华尔街巨头重塑为大街参与者。</blockquote></p><p> GreenSky stock Popped 45% in premarket trading.</p><p><blockquote>GreenSky股价在盘前交易中上涨45%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Goldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from&nbsp;Home Depot&nbsp;Inc.&nbsp;to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.</p><p><blockquote>高盛将以每股约12美元的价格收购GreenSky，该公司为建筑项目或整容手术等大型一次性采购安排贷款。它与从家得宝公司到独立医生和牙医等数千家商家合作，并将其贷款宣传为信用卡更便宜、更负责任的替代品。</blockquote></p><p> “Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”</p><p><blockquote>高盛首席执行官大卫·所罗门在接受采访时表示：“我们的目标是建立一个真正的未来银行平台。”“这让我们在这段旅程中继续前进。”</blockquote></p><p> GreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as&nbsp;a technology platform&nbsp;connecting consumers who need help covering a major purchase and merchants eager to increase sales.</p><p><blockquote>GreenSky于2018年上市，估值约为40亿美元，是承诺重塑人们借贷方式的新一代初创公司的一部分。它将自己定位为一个技术平台，将需要帮助购买大宗商品的消费者和渴望增加销售额的商家联系起来。</blockquote></p><p> But missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding&nbsp;—&nbsp;started to sour&nbsp;on the sector.</p><p><blockquote>但拖欠付款的情况有所增加，使这家企业看起来更像是一家繁荣与萧条的贷款机构，而不是一家成长中的软件公司。GreenSky赖以购买大部分贷款的银行——该公司本身不是银行，需要外部资金——开始对该行业产生不利影响。</blockquote></p><p> The pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.</p><p><blockquote>疫情没有帮助。居家令停止了选择性医疗程序。原本该公司资助的改造项目因供应链问题和劳动力短缺而陷入困境。GreenSky的股价较峰值下跌了约70%。</blockquote></p><p> The deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.</p><p><blockquote>该交易价格比GreenSky周二的收盘价高出55%，但其中包括4.45亿美元的税收调整。所罗门表示，GreenSky创始人兼最大股东大卫·扎利克(David Zalik)将作为合伙人加入高盛。</blockquote></p><p> Goldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with&nbsp;Apple&nbsp;Inc.&nbsp;to launch a credit card, with&nbsp;JetBlue Airways&nbsp;Corp.&nbsp;to lend to travelers, and with&nbsp;Amazon.com&nbsp;Inc.&nbsp;to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.</p><p><blockquote>高盛的消费者银行Marcus于2016年推出，目前提供储蓄账户、个人贷款和投资建议。但该公司在大街上没有分支机构，也没有悠久的历史，但它已经建立了一系列合作伙伴关系来吸引客户——与苹果公司推出信用卡，与捷蓝航空公司向旅行者提供贷款，与亚马逊公司合作为这家科技巨头市场上的独立卖家提供库存融资。购买GreenSky一举带来数千商家。</blockquote></p><p> GreenSky is part of the&nbsp;“buy now, pay later”&nbsp;wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with&nbsp;Afterpay&nbsp;Ltd.&nbsp;selling to Square Inc. for $29 billion and&nbsp;PayPal Holdings&nbsp;Inc.&nbsp;buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.</p><p><blockquote>GreenSky是“先买后付”公司浪潮的一部分，这些公司提供贷款，让消费者在数周或数月内分散购买，通常利率低于信用卡。今年，该行业的交易数量有所增加，Afterpay Ltd.以290亿美元的价格出售给Square Inc.，PayPal控股公司以27亿美元的价格收购了日本的Paidy Inc.。这些公司主要为在线购买提供融资，而GreenSky则通过实体商家和家居装修承包商兜售贷款。</blockquote></p><p> Goldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month&nbsp;struck a deal for a European money manager.</p><p><blockquote>高盛长期以来一直反对收购，更喜欢培养自己的人才并进行内部建设。在2018年就任最高职位的前交易撮合者所罗门(Solomon)的领导下，该公司的收购力度更加强劲。该公司于2019年收购了一个财务顾问网络，并于上个月与一家欧洲基金管理公司达成了交易。</blockquote></p><p> Goldman flirted with acquiring GreenSky&nbsp;two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.</p><p><blockquote>两年前，高盛曾考虑收购GreenSky，当时GreenSky在股价暴跌后寻找潜在买家。这些谈判失败了，但该公司在今年早些时候重新启动了销售流程。</blockquote></p><p> GreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.</p><p><blockquote>GreenSky于7月与消费者金融保护局达成和解，以解决监管机构所称的“粗心的业务和客户服务行为”，这些行为允许商家和承包商代表数千名没有提出要求的客户获得贷款。GreenSky同意取消高达900万美元的未偿还贷款，并支付250万美元的罚款。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/goldman-is-buying-greensky-in-a-2-2-billion-bid-to-finance-your-childs-braces-11631706601\">The Wall Street Journal</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":{"GSKY":"Greensky Inc.","GS":"高盛"},"source_url":"https://www.wsj.com/articles/goldman-is-buying-greensky-in-a-2-2-billion-bid-to-finance-your-childs-braces-11631706601","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1142964056","content_text":"Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements\nGoldman will pay roughly $12 a share in stock for specialty lender GreenSky.\nGoldman Sachs Group Inc. is buying specialty lender GreenSky Inc. for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.\nGreenSky stock Popped 45% in premarket trading.\n\nGoldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from Home Depot Inc. to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.\n“Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”\nGreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as a technology platform connecting consumers who need help covering a major purchase and merchants eager to increase sales.\nBut missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding — started to sour on the sector.\nThe pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.\nThe deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.\nGoldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with Apple Inc. to launch a credit card, with JetBlue Airways Corp. to lend to travelers, and with Amazon.com Inc. to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.\nGreenSky is part of the “buy now, pay later” wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with Afterpay Ltd. selling to Square Inc. for $29 billion and PayPal Holdings Inc. buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.\nGoldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month struck a deal for a European money manager.\nGoldman flirted with acquiring GreenSky two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.\nGreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.","news_type":1,"symbols_score_info":{"GSKY":0.9,"GS":0.9}},"isVote":1,"tweetType":1,"viewCount":1971,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":140963790,"gmtCreate":1625624073110,"gmtModify":1631893788432,"author":{"id":"4087348917371400","authorId":"4087348917371400","name":"Abnegation","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4087348917371400","authorIdStr":"4087348917371400"},"themes":[],"htmlText":"1.8 are rookie numbers","listText":"1.8 are rookie numbers","text":"1.8 are rookie 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