Kisah saya dan Kabinet.
Okey ini ada Gambar Kabinet lama dan Kabinet baru di rumah saya.
Kabinet lama tu rumah teres, lepas tu pindah rumah baru, banglo mini.
Bagaimana boleh pindah rumah baru?
Alkisahnya, awal kerja gaji pertama beli rak buku.
Kemudian tiap bulan beli satu buku, cukup setahun ada 12 buku, sungguh tak sama orang bujang yang baca buku 12 bijik setahun dengan orang bujang yang kali terakhir baca buku waktu ambik SPM.
Lepas tu saya beli Komputer, dan belajar internet, dan belajar tulis blog.
Ketika kawan-kawan beli kereta Satria baru, atau Honda, atau Wira baru, saya beli kereta Cherede second hand, orang lain bayar muka kereta baru RM5000, saya bayar Cash RM2500 terus dapat kereta tanpa komitmen bulanan.
Sayang betul, rupanya tak ada satu pun saya ambik gambar dengan kereta ni, zaman tu telefon belum ada kamere. Facebook pun belum ada untuk berlagak. Adohai.
Kereta Second hand ini walaupun buruk, kebaikkan nya adalah tak payah bayar bulan-bulan, dan kereta inilah saya guna untuk pikat hati mertua saya dan bini lantas membuktikan mereka tak metrialistik-woha!.
Air Cond tak ada, tempat pijak kaki ada lubang sikit, waktu hujan kena pakai selipar sebab air boleh masuk ikut bawah.
Bila takde ansuran kereta, maka pinjaman rumah mudah lulus, saya beli rumah teres sahaja.
Waktu mengorat Puan Bini, saya tak cakappun ada rumah sendiri, saya tunjuk kereta buruk sahaja, dan sabar betul bini saya kahwin dengan laki yang pakai kereta macam ni, waktu hujan, cermin berwap, bini saya jadi wiper organic dengan lap cermin dengan tuala basah. Pernah rosak tengah jalan, ketuk ketuk sikit, dah ok dan teruskan perjalanan.
Masa tu saya duduk rumah sewa kecik gila, tapi bulanan rumah itu di bayar oleh penyewa rumah saya, nampak tak permainan kapastalis saya?, malahan saya ada simpanan hasil sewa, bermakna rumah saya tu dah jadi asset walaupun hutang tak habis bayar lagi.
Ni semua berkat kawan dengan buku, pastikan lima jenis buku kita baca, (1) Agama, (2) Keluarga, (3) Kesihatan (4) Perniagaan (5) Masa lapang.
Apa tajuk buku best untuk baca?
Nanti saya cerita, sambung kisah saya,
Alkisahnya,
Bila bini mengandung anak sulong, kesian kat dia kena air hujan kat kaki, baru saya beli kereta proton wira yang ada aircond, dan bila bilangan anak melebihi kerusi wira, saya beli MPV ala ala keretamayat, cukuplah kami tujuh beranak.
Oh, lupa, kereta charade saya jual waktu beli kereta wira dan jual dekat ejen MLM Suraco, pernah Nampak kereta ni melintas dengan sticker Sureco tahun 2005 dulu, tak tahu apa cerita kereta tu sekarang.
Jadi begitulah kisah kereta pertama saya sekaligus rumah pertama saya. Kemudian saya beli pulak kereta kancil second hand lampu petak agar senang urusan kerja, tak malu langsung saya pakai kancil tu, asal bulanan murah, dan saya tak sakit kepala. Bila kereta tu dah uzur, saya jual dan beli axia kompang, kereta paling murah di Malaysia.
Jadi, Bila hutang kereta kita kecik, maka layaklah beli beli tanah, boleh buat mini banglo, kawan saya beli rumah teres sama harga dengan saya beli tanah buat banglo mini, Cuma lecehlah nak beli tanah pecah lot, nak sewa lori tinggikan tanah, nak masukkan air, pinjam jiran dulu, tiang letrik takde nak kena urus dulu, lepas tu nak cari kontraktor lagi, tapi benda susah ni berbaloi, dan di kira best kita buat, sebab tak pernah buat, pengalaman apa apapun, bila first time rasa seronok.
Dah siap rumah saya buat track jogging, niat untuk terapi anak syurga, sudahnya waktu PKP, saya yang terapikan diri berlari keliling rumah hilangkan stress.
Jadi rumah pertama saya sekarang masih buat rumah sewa, dan pernah buat homestay, tapi rugi teruk, berniaga, ada untung dan rugi, maka bagi sewa sahajalah, tak untung besar tapi jadi aset dalam diam.
Ni Nak cerita pasal kebinet tapi melalut sampai ke kereta dan rumah, adohai… saya belum kaya, perjalanan masih jauh, hutang masih banyak, pelan pelan kayu, insyaAllah..
Moral of the strory, beli kereta baru separuh gaji nak kena bayar, memang masuk neraka wang, jika nak belajar uruskan wang, kena banyak membaca..
Oh yer, tadi saya janji nak bagi tajuk Buku asas wajib baca untuk ubah kehidupan.
Kita semua tahu, dari olahan hadis, ada lima perkara paling asas dan berharga dalam menentukan kebahagiaan hidup? Iaitu:
(1) Agama, (2) Keluarga (3)Kesihatan (4) Sumber Rezeki (5) Masa lapang.
Tanpa agama kita akan masuk neraka, tanpa keluarga kita akan kesepian, tanpa sumber rezeki kita akan meminta minta, dan tanpa masa lapang kita akan stress gila!
Jadi nak ubah cabinet rumah, mulakan dengan ubah maklumat dalam otak dengan membaca lima jenis buku (1) Agama, (2) Keluarga, (3) Kesihatan (4) Perniagaan (5) Masa lapang.
Untuk buku Agama bacalah (1)Taklim, setengah jam sehari, Buku keluarga, saya cadang baca (2) How To Friend and Influence People karangan Dale Carnegie, guna ilmu tu untuk tambah kasih sayang dalam keluarga, Buku kesihatan, pergi klinik, banyak (3) template dan nasihat free, buku bisnes, (4) Rich Dad Poor Dad, atau 4-Hour Workweek. Atau versi melayu baca buku BIjak Merancang wang tulisan Afyan Mat Rawi,
Dan Buku untuk masa lapang, bebas! Tak kisah nak baca novel ke, komik ke, teka teki ke, asalkan membaca, dan Saya cadangkan baca semua buku Hamka keretamayat serta rasailah perbezaannya.
Woha!
同時也有39部Youtube影片,追蹤數超過63萬的網紅ma ko,也在其Youtube影片中提到,今回動画で出てきたドーナツ型のドーム(オールドーナツDonut cave)らこちら!↓ 【オールドーナツDonut cave】Mkuake応援購入サイト https://www.makuake.com/project/cassie_donnie/ 【オールドーナツDonut cave】の商品ペ...
「free novel」的推薦目錄:
- 關於free novel 在 Facebook 的最讚貼文
- 關於free novel 在 貓的成長美股異想世界 Facebook 的最讚貼文
- 關於free novel 在 เกมถูกบอกด้วย v.2 Facebook 的最讚貼文
- 關於free novel 在 ma ko Youtube 的精選貼文
- 關於free novel 在 野宮のん Youtube 的精選貼文
- 關於free novel 在 野宮のん Youtube 的最佳貼文
- 關於free novel 在 Top 10 free novel reading apps ideas and inspiration - Pinterest 的評價
- 關於free novel 在 FREE Online Novel Writing Course | AuthorTube - YouTube 的評價
free novel 在 貓的成長美股異想世界 Facebook 的最讚貼文
今天, 應該是最炫最酷的一家公司, Robinhood, 上市的一天. 它獲利了嗎? 我想沒有多少投資人會care. 最關心的, 應該是它的營收成長率, 還有股價.
在我們一直追逐科技成長股, 被他們的高營收成長率, 潛在的高報酬昏眩的時候, 會不會忘記他們醜得要命的財務報表?
而在今年, 大家追逐的這些趨勢股表現不佳的時候, 是不是也給了我們一些省思?
其實美股中, 還有很多財務報表漂亮, 但聽起來一點也不有趣(甚至很無聊)的公司, 但他們股價穩定, 長期下來, 也給了投資人很大的回報. 像之前介紹過的POOL, 過去幾年也是平均一年翻一倍的漲幅.
而在IPO中, 也有這類的好公司.
Carrier Global(CARR), 2020年4月上市的IPO, 算是工業類股, 漲了快5倍. 有在獲利. (開利冷氣應該有聽過?就是這家公司)
Academy Sports and Outdoors (ASO), 民生消費股, 也有獲利, 2020年10月上市的IPO, 目前也漲了3倍.
下面這篇文章挺好. 與大家分享. 就像文章作者所提的, 龜兔賽跑, 穩(漲)的烏龜, 不一定會輸.
也祝福大家找到&培養自己的能力圈, 穩穩獲利.
Jim Cramer: The Biggest Thing That Happened Thursday Was the Boring Stuff
No, it wasn't Robinhood or the mega-cap tech companies, it was names we depend on like Carrier Global.
By JIM CRAMER Jul 29, 2021 | 03:38 PM EDT
Stocks quotes in this article: HOOD, FB, PYPL, CARR, RTX, NUE, AGCO, ZM, ALGN, AAPL, EBAY, AMD, XLNX
One of the most glorious things I have seen involving the stock market in ages happened today.
Was it Vlad Tenev ringing the opening bell for his breakthrough, disruptive Robinhood (HOOD) , representing 22 million mostly young new investors? Was it the free-for-all decline in the stock of the "F" in FAANG, Facebook (FB) ? Or the clobbering that Paypal (PYPL) took after what looked to be a good quarter?
Nah. I was bumping into Dave Gitlin, CEO of Carrier Global (CARR) , and his charming daughter, a college student at the University of Wisconsin. They were calmly waiting for me to finish "Squawk on the Street" to say, "Hi," and I couldn't be more thrilled. Because unlike the much ballyhooed Robinhood deal, which seems like a bust, Carrier Global came public back in April 2020 at $12 and today, after tremendous earnings, not sales, but earnings, it made an all-time high at $53, after reporting a terrific number with tremendous HVAC sales, up 31%, and an earnings surprise of 55 cents vs. the 30 cents that Wall Street was expecting.
Carrier, which was spun off when United Technologies merged with Raytheon (RTX) had some tailwinds, like the need to have clean air inside, because of the pandemic and clear air outside because office buildings are responsible for 40% of carbon emissions. But the huge upside surprise and the gigantic buyback belonged to Dave and his team and I that's what I told his daughter. I made sure she knew how proud she should be about how this man made so much money for people. Twelve to 53 in 15 months time is the name of the game.
Look, I am not trying to take away from anything that Robinhood and its co-founder and CEO Vlad Tenev have created. Far from it. They have created billions for themselves and are now letting people participate in their great sales growth. You got a chance to pay a fortune per share and many Robinhoodies did, as tons of stock was allocated to the 22 million people who joined Robinhood, because of a bang up app that every young person seems to know.
I am simply saying that HVAC, yep heating, ventilation and air conditioning is one of the most boring businesses on earth and at times like today, with all of the hoopla of Robinhood it is easy to forget is how lots of money can be made being boring, and I like that. The most exciting thing that happened this year is Carrier helped provide refrigeration for vaccines. That's just fine with me.
Unlike Robinhood, Carrier hasn't brought anyone into the stock market. It's more laser-like focus on air conditioning once spun off from Raytheon means nothing to people. Just Wall Street gibberish. But you have probably walked by a Carrier machine thousands of times and never thought anything of it. Yet, you could have bought it for a song at six times earnings instead of 25 times sales.
The Carriers, with CEOs who pay themselves lavishly but perhaps not excessively, or the Nucor's (NUE) the steel company that's also well managed and sells at six times earnings, represent valuable properties, especially when the U.S. government is about to agree on a trillion dollar infrastructure bill and the country has more than 6% GDP. We don't know why they are re-opening trades or closing trades, delta-variant trades or building and bridge investments. Forgive me, though for comparing the company of Robinhood, with something that may stay special for a while vs. companies that get described as venerable, solid and built to last.
These companies are not rarities. You know people have to eat, right? You know that there would be famine without farming. So why not buy the stock of Agco (AGCO) , No. 2 farm equipment, which went from $40 to $130 in a year and a half without ever being expensive. Combines too boring? Again fine with me. Now that the masks are off -- or at least in some places, although Zoom (ZM) is still crushing it -- I, like many others, including my daughter, didn't like how her teeth looked even as, to me, they were perfect. Dentists tell you to get Align (ALGN) . I wanted them on "Mad Money" but the show was just too darned jammed. The stock's up the most in the S&P 500, with a product that, again, like the Purloined Letter, is right in front of you.
I love tech. Created the term FANG, added the "A" when it was clear that Apple (AAPL) had to take the acronymic stage between another "A" and an "N." I am proud that those who bet against me on Twitter, the legion, are betting against FAANG. I wrote obituaries for a goodly time in my career as a reporter but I never wrote as many as have been penned to talk about the group has already made the ultimate measure on behalf of shareholders.
Oh and it's not like I don't like tech or fin tech. I felt the slings and arrows of Facebook and PayPal today. Facebook's management once again lowered the boom on its future talking about real deceleration in growth. I thought it was too dire. PayPal's Dan Schulman talked about how the separation with its former partner, eBay (EBAY) gets done now and earnings will be hurt. This was one of the least revelatory surprises ever. I think both are practicing UPOD, Underpromising to Overdeliver, and, sure this time might be different, but it's sure been the way they have handled it in the past.
Far better to be in the straight out blow outs like Advance Micro (AMD) which had still one more banner day, this time because the company it is buying, the dowdy Xilinx (XLNX) , a sleepy semiconductor company, had tremendous earnings. The two together could be unassailable and even as AMD is now richly valued it is deservingly so.
I can't wait to hear Vlad Tenev's reflection on Robinhood's debut as a public company and about the novel offering that gave millions of shares to his clients. Vlad's not so much a rags to riches American story. He's a poor Bulgarian to insanely rich American because of his on ingenuity. That's a story with celebrating in itself.
I am simply pointing out that unlike Vlad, whom you would have had invested with when you weren't allowed or able to, Dave Gitlin sure didn't keep you out of the better bet, the stock of HVAC king Carrier.
You did.
free novel 在 เกมถูกบอกด้วย v.2 Facebook 的最讚貼文
[News] Doki Doki Literature Club Plus! มีจำนวนผู้เล่นพร้อมกันบน Steam แล้ว มากกว่า 8,600 คน
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free novel 在 ma ko Youtube 的精選貼文
今回動画で出てきたドーナツ型のドーム(オールドーナツDonut cave)らこちら!↓
【オールドーナツDonut cave】Mkuake応援購入サイト
https://www.makuake.com/project/cassie_donnie/
【オールドーナツDonut cave】の商品ページ
https://peraichi.com/landing_pages/view/ashcompany
ASHcompany公式サイト
https://ashcompany.webnode.jp
このチャンネルでは毎日18時半に動画を投稿しています!
動画に出てくるカワウソの名前はさくら♀、猫はもち♂です。
もちのチャンネルはこちら
https://www.youtube.com/channel/UCAhKzuMDJlc77h2yV0WEHvw
LINE
https://lin.ee/b0Bcmmq
ツイッター(twitter)
https://mobile.twitter.com/kawauso_sakura
インスタグラム(Instagram)
https://www.instagram.com/kawauso_sakura/
Thank for watching my channel!!
My name is Mako the owner of this otter Sakura and cat mochi.
Our daily life channel update are on every day!
Feel free to comment :)
Thank you!! :3
mochi's channel
https://www.youtube.com/channel/UCAhKzuMDJlc77h2yV0WEHvw
#カワウソ #猫 #otter #cat #動物 #animal
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free novel 在 野宮のん Youtube 的精選貼文
彼女が望む答えを言わなければ、貴方は溺れてしまうかもしれません💕
If you don't give her the answer she wants, you may end up drowning...
こちらはシチュエーションボイスです。
This is a situation voice.
無茶な設定や理不尽な事もあるかもしれませんが、それも含めてお楽しみください
There may be some absurd settings and unreasonable things, but please enjoy it is!
素人作品であることをご理解いただけますと幸いです。
I hope you will understand that this is an amateur work.
Twitterにも短めシチュエーションボイス載せておりまする。Please follow me♡
□■Twitter■□
https://twitter.com/nonomiyanon_jya
□■FAN BOX■□
https://www.pixiv.net/fanbox/creator/36736559
□■のんへのおくりもの / A Gift for Me■□
https://www.amazon.co.jp/hz/wishlist/ls/MR2KPU3RMWWM?ref_=wl_share
□■のんのまま様とぱぱ様 / My mother&father■□
まま様...https://twitter.com/kagachi_SK かがちさく様💕
ぱぱ様...https://twitter.com/Nura_Suto 鋭介様💕
□■のんの写真を撮ってくれた方 / The man who took my picture.■□
すずおか様...https://coconala.com/users/1169909
□■フリー台本 / free script■□
一ノ清カズスケ さん...https://www.pixiv.net/novel/show.php?id=14864193
□■フリー素材 / materials■□
http://www.flickr.com/photos/isonic/5977654557/ by Giulio Magnifico (modified by あやえも研究所)
フリーBGM DOVA-SYNDROME様
https://dova-s.jp/
ニコニコモンズ様
https://commons.nicovideo.jp/
▋機材紹介
 ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄
・ZOOM H6
マイクカプセル XYH-6
#野宮のん #Vtuber #ASMR #シチュエーションボイス #バイノーラル #監禁
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free novel 在 野宮のん Youtube 的最佳貼文
こちらはシチュエーションボイスです。
This is a situation voice.
無茶な設定や理不尽な事もあるかもしれませんが、それも含めてお楽しみください
There may be some absurd settings and unreasonable things, but please enjoy it is!
素人作品であることをご理解いただけますと幸いです。
I hope you will understand that this is an amateur work.
Twitterにも短めシチュエーションボイス載せておりまする。Please follow me♡
□■Twitter■□
https://twitter.com/nonomiyanon_jya
□■FAN BOX■□
https://www.pixiv.net/fanbox/creator/36736559
□■のんへのおくりもの / A Gift for Me■□
https://www.amazon.co.jp/hz/wishlist/ls/MR2KPU3RMWWM?ref_=wl_share
□■のんのまま様とぱぱ様 / My mother&father■□
まま様...https://twitter.com/kagachi_SK かがちさく様💕
ぱぱ様...https://twitter.com/Nura_Suto 鋭介様💕
□■のんの写真を撮ってくれた方 / The man who took my picture.■□
Ryuka様...https://twitter.com/Ryuka1229
□■フリー台本 / free script■□
そらくん...https://www.pixiv.net/novel/show.php?id=14855414
▋機材紹介
 ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄ ̄
・3Dio 白耳の方
#野宮のん #Vtuber #ASMR #シチュエーションボイス #バイノーラル #ヤンデレ
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free novel 在 FREE Online Novel Writing Course | AuthorTube - YouTube 的推薦與評價
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Looking for a FREE Online Novel Writing Course!? When I found this writing resource, it was a GAME CHANGER for my writing career and now I ... ... <看更多>
free novel 在 Top 10 free novel reading apps ideas and inspiration - Pinterest 的推薦與評價
Find and save ideas about free novel reading apps on Pinterest. ... <看更多>