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Financial Planning only for the rich?

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I was fortunate to join the financial industry when I graduated. I learn a lot about financial planning and management knowledge and practice some of it. I want to share with you today one rule that I have practised since then, which is to pay yourself first. When you receive an income, pay yourself first. What does this mean? It means paying yourself first as a saving for the future or a sum of money you set aside for a purpose, such as savings, buying a toy, buying something, a holiday, etc. We do have to remember one of the reasons we work is to enjoy life. You will develop such a habit and high discipline as time goes by. Today, I meet a person who save a small of money for years so that he can buy a Microsoft Surface Pro 7 for his wife. It struck me when he hand me a stack of hard cold cash. I told him that I received his payment with a heavy heart. I can feel the sincerity and the high self-discipline over the years that he save enough money to buy this item. I wish him the best
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Parents hit hard by rising costs

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If 1 child is equal to RM500 per month, is this sufficient? What if you have more than 1 child? What if you need to send your child(ren) to daycare, international school, tuition, etc.
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Samsung Galaxy Flip4, really?

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I love it but I am concerned about the hinge flipping the smartphone. It is so cool to flip open and close the smartphone in the public. I called it catching eyeball's attention gadget.  Samsung Galaxy Flip4 was launched in Malaysia somewhere around August 2022. At that time, Samsung offers great promotions up to RM1,xxx free bits and Purchase with Purchase (PWP) to attract new customers and existing users. 5 months pass and the price of the smartphone drop significantly (not a surprise) you can find sellers offering around RM2,600 plus for a Samsung Galaxy Flip4 used unit for 128GB storage. That is almost 35% drop in price for a relatively new smartphone.  I bought a unit and have some fun with it. Here is a summary of my review of this smartphone. 1. This is a flip smartphone!!! I must admit, the foldable screen is definitely amazing! When you just browse it casually, you will still notice the crease on the screen. Obviously, your finger can feel it too! But still, it is a foldab
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My research for DJI Pocket 2 - Do I really need it?

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One of the questions in my mind regarding content creation is the tool that I need to use to create nice photos and stunning videos. We are living in 2023 and we are not in shortage of capable smartphones that are packed with high-end hardware and software to create the above requirement. But let me share with you my challenges and my recommended solutions. Challenge Number 1: Tripod We have very premier built and high price range type of tripod and very low price range and plastic built type of tripod. In the end, you still need a tripod to clamp your expensive camera or smartphone to shoot some stable videos. You need to carry 1 extra item in your bag. What a bumper. If you are carrying a relatively large tripod stick, you may get some attention that you are going to start hunting when you pull out your large and long tripod stick. I do carry a 2-meter-long tripod with me on business trips. It is troublesome to keep it because the tripod is either too long to store in any luggage bag
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成功不会来的太快，失败也不是永远！

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有速成法则吗？ 有一夜致富吗？ 有永远失败吗？ 有永远永久吗？ 别装了。我们都想快速成功，永远不败;一夜致富，永久脱贫。我也想！ 但是，真的没有，还是我无知？比我成功的人还在努力奋斗，我也没有停。胜利是属于last man standing.
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Even when you are tired, there is still time to do these things

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In the year 2022, 1. What is the idea that you entertained the most in your mind? 2. What is the book you read that you like the most? 3. Who is the person you associate with most of the time? 4. What is the biggest risk you took? 5. What did you do to make yourself happy? You still have 26 days to change it or achieve it. All the best!
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More getting cancer yearly

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What can we do about it?
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