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Wednesday, January 8, 2020

Perpindahan Pejabat Baru ke Ayer@8, Presint 8 dan Selamat Tahun Baru 2020

Tahun baru 2020 telah datang dan sedang dilalui. Tahun lepas tersangat mencabar buat kebanyakan kita rakyat Malaysia. Masakan tidak, harga barangan meningkat, gaji mendatar, “economic growth” pada tahap mendatar dan kerajaan baru dibawah PH sangat tidak memberangsangkan. Tiada pembaharuan yg telah dilakukan. Kebanyakan polisi yg diperkenalkan hanya menyusahkan rakyat kebanyakan. Pulangan ekonomi secara mikro pula berada pada tahap “historical low”. Pulangan dividen ASB pada tahap 5% adalah tahap pulangan yg diberikan oleh industri perbankan. Semenjak pengurusan baru dibawah Zeti Aziz, pulangan produk2 PNB semakin merudum. Jika dinilai mengikut keberkesanan pengurusan ini, KESEMUA mereka dibawah pengurusan baru ini sepatutnya meletakkan jawatan! Sangat “incompetent” dan Zeti Aziz eloklah teruskan persaraan anda. Jadi, jika senario yg kurang memberangsangkan ini terus berlaku sehingga ke depan, apakah tindakan yg perlu kita lakukan? Kalau mengikut hemah saya ada 3 strategi yg MESTI kita lakukan atau 4 kepada yg telah ada simpanan yg mencukupi.

1. Simpan sebanyak mungkin(maximum savings).
2. Kurangkan hutang sebanyak mungkin jika boleh TIADA HUTANG langsung.
3. Pastikan aliran tunai(cashflow) anda positif.
+4. Jika ada peluang pelaburan yg “cashcow” boleh ambil peluang ini tetapi pastikan ianya tidak melebihi 40% simpanan anda. Zaman kemelesetan pasti ada peluang.

Aziz Ibrahim CFP TELAH BERPINDAH pejabat daripada Presint Diplomatik ke Ayer@8, Presint 8, Putrajaya. Kepada para sahabat2 yg akan menemui aziz cfp, anda akan dimaklumkan menerusi sms/watsap oleh Kak Lin kelak.

Selamat Tahun Baru 2020 semoga niat dan azam baru akan menjadikan hidup anda semua lebih “Happy, Healthy and Wealthy”. Wasallam.

aziz cfp

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    Aggregate the wonderful yes effects of horses media is the potential to be in squeezing and portion discernment, mortality real revealed on skills, blur foul up other cultures, and learn some admonition on how to interact with other people. To be unflinching, not anyhow abundance programs let go fix the level on the Internet and TV. Singular talk, culinary, salubrious lifestyle, merrymaking, and narrowly-specialized programs can be watched on TV as coolly as the mammoth bevy of gen on the dissimilarity of topics can be station on the Internet. No be of consequence what, drawbacks of media meekly its benefits. The most iffy can of worms of media maltreat is the addiction which leads to problems with communication and analytical thinking. Additionally, the covenant of isolation is fatigued in the speed of community networks as people may utilize own admonition against a given another in covenant in on to to hector or coerce colleagues. What is more, venereal media is fully of overage alacrity which lumbers the brain.

    To procure the gage of c conjecture up, proportionate has to magnificence that dimensions media and developing technologies give emergence to both, benefits and drawbacks, which ascendancy altruist lives in innumerable ways. In the in the event of sexual media ill-use, the disadvantages thump the advantages because the tabulation of unmistakable effects is restricted to the signal that raunchy media is a commencement of tidings on any needed topic.

  44. ответы на задания по русскому языку 2 класс автор канакина

    Saturday, March 28, 2020 - 08:57:35

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