EVERYONE wants to retire comfortably. However, it would be difficult to enjoy your golden years without any worries if you do not have sufficient funds to support yourself during retirement.

While many are complacent with their retirement savings that have been set aside through their mandatory retirement contribution, it may not be enough to sustain you throughout your retirement years. Moreover, you may even find it difficult to earn an income to replenish your savings and cover any shortfalls once you have retired. Therefore, you need to save and invest to generate multiple sources of income during retirement.

The following are some other reasons why you should take steps to bolster your retirement fund today.

1. Long-term sustainability

Malaysians have a rising life expectancy, thanks to medical advancements, and this means that you will need to support yourself for a longer retirement period. At the same time, healthcare costs are escalating, which can lead to increased costs in retirement. As such, you need to take these factors into consideration when planning for your retirement.

2. Be self-reliant

As family sizes may have become smaller nowadays, it will take a lot more for children to support their parents during their retirement. You do not have to be a financial burden on your loved ones, especially as your children may have their own family to support, when you are able to generate your own income through your savings and investments.

3. Manage the impact of inflation

Inflation will erode your retirement fund as the value of your money today will not be the same in the future. By having a diversified savings and investment portfolio, you may hedge against the effects of inflation to protect your retirement fund.

To supplement your retirement savings for your future self, you may consider contributing into private retirement scheme (PRS) funds. Apart from building an additional income stream, you can also enjoy up to RM3,000 tax relief per year until 2025 and have peace of mind as your money in PRS will be protected from creditors.

#unittrust
#unittrustconsultant
#moneyworkforyou

𝗪𝗵𝘆 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆 𝘁𝗼 𝘁𝗿𝗮𝗱𝗲 𝗶𝘀 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘂𝗶𝗰𝗶𝗱𝗲 (𝗾𝘂𝗶𝘁 𝘄𝗵𝗶𝗹𝗲 𝘆𝗼𝘂 𝗰𝗮𝗻)

Trading is a mental game.

If you want to excel in this endeavour, your mindset must be at peak performance.

But if you borrow money to trade, you erode whatever edge that you might have.

Here’s why…

Trading with borrowed money = Trading with money you can’t afford to lose.

And when you trade with money you can’t afford to lose, you make poor trading decisions because you have the “I can’t afford to lose” mentality.

So, what do you do?

- You shift your stop loss because you don’t want to take a loss
- You take tiny profits because you’re afraid of watching them turn to losers
- You average into your losers hoping to catch the bounce and recover your losses

Eventually, your poor decisions catch up with you and you lose everything (including the money you borrowed).

Now you’re worst off than before because not only are you broke — you’re also in debt.

Do you want this to happen to you?

Then, don’t borrow money to trade.

Repeat after me…

I’ll never borrow money to trade!

疫情持續，但學習不能中斷。

今天與同學分享Presentality最新的寫作技巧分析。

英文寫作絕對不只是將單字句型套用在模板上就好了。

用專業的寫作方法讓你的寫作有意義!

★★★★★★★★★★★★

最近疫情再次高升，駐台灣的Bloomberg 記者寫了一篇文章：

Complacency Let Covid Erode Taiwan’s Only Line of Defense

自滿讓 COVID 侵蝕了台灣唯一的防線

文章：https://bloom.bg/3ywfKA9

我們來看看Bloomberg寫的一篇好文章：

★★★★★★★★★★★★

📌 結構：當調查故事寫

這篇文章讀起來一點都不無聊，不只是因為它攸關我們的社會，也是因為他在結構上，就像一個偵探調查的故事：

1. Opening line: 戲劇性開場，不要無聊
2. Background: 然後再給簡短背景
3. Key moment: 影響後續發展最關鍵的事件
4. Outcome: 這個決定的後果
5. What to do: 國際專家建議應該怎麼做
6. But.....: 可惜，可能做不到
7. Details: 後面的部分，再進入細節

★★★★★★★★★★★★

📌 最好的開頭 = 簡短有力、抓住注意力、又可以做結論

我們先來看開頭三段：

All the virus had to do was get through the border.

Until this week, Taiwan’s Covid-19 containment appeared to be so effective that virtually no other defenses were put in place: few tests, no local surveillance to pick up undetected infection and close to zero vaccination.

Lauded as one of most successful places in the world at containment, a high level of complacency about the risks had set in among both the public and authorities. Covid-19 seemed to be something happening only in the outside world.

如果是我們認識大部分的人來寫，通常會從第二段開始。為什麼？因為總是要解釋背景嘛！而且任何人在研究這個議題，都會從背景開始教育自己，所以就不自覺的從背景寫起。

但他們不這麼做，反而以一個吸引人的方式開頭：
All the virus had to do was get through the border.

這個開頭有幾個優點：
•簡短一行，讓人不會看到一大坨字就不想要繼續看
•有故事性：好像病毒是一個入侵的敵人
•又是結論：怎麼會發生？一旦病毒溜進來了，就會發生

這種是非常理想的開頭：因為就算我沒有時間看剩下的，也會理解到文章的重點：邊境守的很嚴，但是裡面很鬆散。

第一句，下的太好了。

★★★★★★★★★★★★

📌 給一點背景後，馬上提到關鍵一個決定

記者們解釋背景的篇幅，就只有三段。他們很快就鎖定關鍵的一個 (錯誤) 決定：

The virus’s opening was an ill-fated decision on April 15 to shorten quarantine for airline crew to just three days, as carriers struggled to operate their cargo lines with staff undergoing 14-day isolation periods. Infected pilots introduced a more transmissible U.K. variant, whose spread was then accelerated through a network of “hostess bars” -- places both staff and patrons were reluctant to be associated with, making contact tracing more difficult.

如果他們再花 1-2 段解釋背景，文章就會變得有點無聊，會流失讀者。

所以他們在這裡提到關鍵的失策。

📌 Note：寫作語氣相對正式

這幾位記者，也許是受 Bloomberg 整體風格影響，還算正式。

從哪邊看的出來呢？

The virus's opening was an ill-fated decision...

輕鬆口語化的文章，絕對不會用 "ill-fated" (ill 就是生病/不好嘛，fate 就是命運，所以就是「之後的命運不好」的一個決定。這是一個很不錯的字就是了。

另一個例子，看這句：

Infected pilots introduced a more transmissible U.K. variant, whose spread was then accelerated through a network of “hostess bars” -- places both staff and patrons were reluctant to be associated with, making contact tracing more difficult.

哇噻，尤其 "reluctant to be associated with"，好。。。委婉啊

怎麼樣寫的平易近人一點？

Infected pilots carried a more transmissible U.K. variant, which then spread quickly through a network of "hostess bars". This also made contact tracing harder — because staff and customers didn't want to admit that they worked at or visited these bars.

稍微長一點，但是用的字都比較直白簡單。

★★★★★★★★★★★★

📌 強調嚴重性

這個失策跟破口，有多嚴重的後果？

Taiwan reported 267 new infections Wednesday, bringing the total over the past few days to 1,291 -- a small number in global terms but an astonishing one in a place that, before May 1, had posted just 1,132 cases during the entire pandemic.

The surge from zero to quadruple digits signals that undetected spread has been occurring for months, and concern is now growing that Taiwan will go the way of other cautionary tales, from the outbreak last year in Australia’s Victoria state that took a brutal three-month lockdown to quell, to Thailand’s ongoing surge driven by prison clusters.

"The surge from zero to quadruple"

這邊，寫的非常好，因為雖然不是真正的 rhyme，還是聽起來很近，所以有節奏感。

"Go the way of other cautionary tales" 又是一個文筆很好的寫法，就是「變得跟那些拿來警惕大家的故事一樣」的意思。

但是記得，別在聊天的時候用這些啊，對方會覺得你很奇怪。

這邊他們把最壞的可能性帶進來：就是台灣可能變得跟那些 cautionary tales 一樣。

這邊也讓讀者緊張起來。

但因為他們寫 "concern is now growing..."，又沒有說「誰的 concern」，所以應該要馬上帶具有可信度的 source 進來：

“If they have 300 diagnosed cases, they have 3,000 cases in the community -- they just don’t know it.” said Gregory Poland, a virologist and director of the Mayo Clinic’s Vaccine Research Group. “It’s going to require a hard lockdown, what’s called a circuit-breaker approach, and then getting the vaccine out as quickly as they can.”

這樣就比較有可信度了，也指出一個解決的可能性：lock down，然後疫苗。

但是...

★★★★★★★★★★★★

需要完整分析的同學請留言「看 Bloomberg學資深記者如何寫文章」。

我們每天都在看跟英文溝通/寫作有關的東西，如果想要透過這些「閱讀筆記」跟我們一起看，可在 FB 追蹤我們：https://www.facebook.com/presentality/

★★★★★★★★★★★★

Presentality系列文章:

📌 看貝佐斯致亞馬遜股東的最後一封信，學一些英文寫作小撇步
https://bit.ly/3xCN1cC

📌 英文演講實用的結構與技巧
https://bit.ly/2PHu3Ax

📌 在演講中的四種敘述角度
https://bit.ly/39tNUtv

📌 詩人Amanda Gorman的英文演講技巧
https://bit.ly/39sI3on

📌 從 Most Dangerous Place 文章，看經濟學人寫作邏輯
https://bit.ly/3htqJEs

📌 寫作的終極目標是「提供價值」
https://bit.ly/3yA3gYe

Dear All,
I am more than happy to announce that our team is launching an exciting campaign with lots of collaborations! Here you go our first piece of art work.

"音樂影像(Music Video)不是音樂的襯托。她是獨立的作品，同時讓人能"看見"音樂及一切從音樂開展的可能性。"

【Please support us】:
https://tickcats.co/ticket/everyday-i-die-a-little-bit-inside/

第一部曲 | Reminiscence (End Game Version)
末日版本：科技進步 vs 情感倒退 【3D 動畫家】

科技的進步也許是為了世界倒退而繼續支撐著人類的冰冷產物。在人工智能的城市裡，人捨棄了屬於城市本來的溫度，彼此之間生長更多距離。智能人類誕生的故事毫不陌生，在其自我學習的過程中衍生出本不存在的東西——情感，然後經歷逝去。
Reminiscence的人工智能城市裡，一位人（AI）與其他人每天過著重複的生活。有天，她突然發現遠古帶有血肉的生命體，頓時意識到自己有了複雜的變化，開始尋找答案。一直操控AI意識的程序逐漸消失，失去被控制的瞬間，城市開始崩塌，其他人感到迷失。然而，有了自我意識/情感的她，醒覺自己和其他人原是冰冷的智能人類，情感帶來的溫度慢慢腐蝕她的身體、崩壞、死去。

歌：
回憶是很微妙的，每一秒的消逝，每件事一旦過去，就演變成只在腦海裡而現實已不復存在的畫面。在所有逝去前，我們能否緊握當下的每一秒？

Chapter one | Reminiscence (End Game Version)
Technological advancement vs The emotional regression (3D animator)

Technological advancement is perhaps the reason why people are still able to live amidst the Great Regression. In the AI cities, people distance themselves from each other. The AI started to develop something that the makers did not intend them to learn through self-learning algorithms: emotions.

In the city of Reminiscence, Ms AI was living a plain, repetitive and normal life like the others. One day, she discovered ancient life forms that's so different from her species, organic with blood and tissues. The great shock that led her to the urge for truth was then spreading throughout the city. And slowly day by day, the program that controls the AIs was overwritten and finally erased. At the very moment of losing control, the city started to fall apart and everyone started to gain self-consciousness, and realised that they are only stone-cold robots. Emotions in the AIs eventually started to erode their body to death.

Song:
Reminiscence is interesting in a subtle way. The passing of time, the happening of different events... they afterwards become fragmented memories in us. So can we seize the day when it passes?

【Lyrics】

#She come and gone
Left me alone
Three years no call
They said it was not my fault

I grabbed her wound
My weakness I poured
That’s how we were torn
They said it was not her fault

If I were a tree
Would you be my leaves
What keeps us believe
Our fragile love would always exist

If I were the sea
Would you be my fishes
Tell me you believe
Our fragile love would always exist

*Cry Cry out loud
I don’t need to be the one
who makes you smile
Fly Fly to someone I can’t shout
When you’re about to falls
I will keep my feet on the ground* #

Repeat #
Repeat *

_________________________

【Music Video】
Director / Animator | Ivan Hung

https://www.instagram.com/ivan_terrible/

______________________

【Music 】


Written by CHANKA
Arranged by CHANKA, MAEL, Hin, Dean
Recorded by Nichung
Mixed by MAEL
Mastered by Lok Chan
-
#CHANKA #陳嘉 #Reminiscence
-
Now available on:
Spotify: https://spoti.fi/3hjYDYO
Apple Music: https://apple.co/32kYTCt
KKBOX: https://kkbox.fm/uSeWTe
MusicOne: https://bit.ly/2FmBNT8
JOOX: https://bit.ly/2F9O79x
TIDAL Music: https://bit.ly/3bRhaub

_________________________


CHANKA 陳嘉:


https://www.instagram.com/wander.chanka/
https://www.facebook.com/wander.chanka/
wanderchanka@gmail.com
-
Have a listen of some of my other works :
"Silence" : https://youtu.be/1Hkk7l4zk9k
"Young" : https://youtu.be/kolrKYxvvf8
"Ocean" : https://youtu.be/GOTdDrC1G-E
-

காய் & பழங்கள் ஷாப்பிங் | NIGHTY COLLECTION |MONDAY VLOG


Hello all
Today I am sharing grocery haul and my nighty collection which was requested by many of u ..... these nighties are all bought from direct stores in erode but both brands are available all over tamilnadu ... kindly search for address online .....

Also I have shared few tips for buying grocery ...hopefully u guys will enjoy ....
Thanks for watching and also for the love and support so far...hope u guys will continue...

Thanks
Deepa suresh
Deepstamilkitchen

GET THIS VIDEO to 1000 LIKES if u love watching more vlogs every week
Best Moments | Raining|Function| BBQ VISIT | WEEKEND VLOG TAMIL|

NAYANTHARA INSPIRED HAIRSTYLE FROM IRUMUGAN| click here to watch
https://youtu.be/IApgewN8ZOU

Hello All,

Today sharing last weekend vlog which is quite different since we had some function I didn't cook so no cooking vlog but I captured few cute moments that happened last week hope u guys will enjoy...
Sty tuend for more fun and interesting vlogs,,,,


Thanks for watching
Deeps kitchen