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Ramai org tanye how to used I-Saham Apps to screen potential stocks. So this is a thread on how to used I-Saham apps

Look at Zirkzee man. 😭😭 I need this guy to succeed here. He can't leave. Only Bruno pulls that off in this team.

🚨🇨🇭 𝐎𝐅𝐅𝐈𝐂𝐈𝐀𝐋 | FC Thun have WON the Swiss League title! 🏆✅ This is a MAGICAL season - they are newly promoted! Last season, they were in the 2nd division. Now they have won the top tier! It's their FIRST ever major trophy in their 128 year history. Simply wow. 👏✨

Kobbie Mainoo, forever United ✍️❤️

The trap Here's the maths to calculate how much your kids will need to pay at your "break even" property price. Property is sold to us as an investment. But before we celebrate "owning a home," let's actually calculate what break-even looks like. The assumptions for these calculations. - Interest rate of 4.25 percent - Loan tenure = 35 years - 90 percent loan-to-value (10 percent down payment) The break-even price is what your house must sell for in 35 years just to recover the total mortgage payments and down payment you put in. Not profit. Just break-even. RM200,000 now = RM385,400 in 35 years RM250,000 now = RM481,750 RM300,000 now = RM578,100 RM350,000 now = RM674,660 RM400,000 now = RM770,800 RM500,000 now = RM963,500 RM700,000 now = RM1,348,900 RM1,000,000 now = RM1,927,000 Across every price point, your house must roughly double in 35 years just to break even on mortgage interest paid. More importantly, that is also the price your children will need to pay when they buy a similar home. For your kids to afford a RM578,000 house at the same income-to-property ratio you had today, their wages must double in real terms over 35 years. Has that ever happened in Malaysia? Real wage growth has been roughly 1.5 percent annually. Compounded over 35 years, that is 1.7x growth. Just barely enough to keep up. If wages slow, your kids are priced out. What this calculation excludes: - Property maintenance - Cukai pintu and cukai tanah - Renovation and repairs - Strata fees if condo - Sinking fund and special assessments for condos - Opportunity cost of capital tied up in property versus invested in more liquid assets like ETFs and stocks When you add real ownership costs, the actual break-even price in 35 years is closer to 2.5 to 3 times the original purchase price, not just 2x. So a RM300,000 house bought today actually needs to be worth RM750,000 to RM900,000 in 35 years just to break even. The system as currently designed forces a generational trade-off. Either today's buyers lose because property does not appreciate enough. Or tomorrow's buyers lose because property appreciates too much for them to afford. There is no scenario where everyone wins. When someone tells you property is an investment, ask them what they mean. If they mean it must double to break even, then your "investment" is really just preserving capital while paying for shelter. If they mean it must triple, then your kids are the ones paying for your "gain." Either way, the math should make us pause.

🚨 Anthropic's own team just showed how to actually use Claude Code properly. 30 minutes. free. the person who created Claude Code. watch the workshop. bookmark it. worth more than every $500 course you almost bought. you've been using Claude without knowing 40 of its commands. Then read the guide below.

Nilai jadi saksi, EMAS untuk Malaysia di Piala Dunia Berbasikal Trek UCI!! 👏 The G.O.A.T, Dato' Azizulhasni Awang cemerlang diacara 𝙢𝙚𝙣'𝙨 𝙠𝙚𝙞𝙧𝙞𝙣! 🇲🇾 Saksikan siaran langsung Piala Dunia Berbasikal Trek UCI di Astro Sport Plus, saluran 817. #TrackCycling #TrackWC

@MartinsCyn U need to see 6th place point. Not 3rd-5th

🚨 Permutations, man... If Aston Villa beats Fulham and Liverpool wins at Palace by two or more goals, United could drop to 5th. 😢 Those dropped points against Leeds suddenly look even more painful. 😫 No more slip-ups. None. Monday's game against Brentford is massive... nothing less than three points. United fans... how are you feeling?

@rafiziramli ditahan polis

Nottingham Forest become better once Chris Wood return from injury. Fact.

A Football Manager player "ruined his life" to prove that Arne Slot is a fraud. Buckle in folks, this is an incredible read... 😂👏

Malaysia’s king says he will select a new anti-graft chief, the first official confirmation that Azam Baki’s term won’t be renewed bloomberg.com/news/articles/…

Hehehe. Hehehe. Hehehe.

Bila puak sendiri menyeleweng, tahu berdiam pulak. Dasar penunggang agama.

Fully agreed on this. Siapa yang tak putih mata bila lihat terms macam ni. Doesnt make sense to ignore the benefits.

Yang seleweng duit zakat ni memang kanina. Mana orang luar tak skeptikal dgn org kita. Bangang apa. Penunggang agama sejati.

The start of the collapse 👍🏿

That fresh smell after rain is called petrichor. When raindrops hit dry soil, they release plant oils and geosmin from bacteria, creating that rich, earthy scent.

I visit this every year.

Hhahahaaha

@kapiu_jugador Betull do piu. Takkan nak kene terjah physically baru setel🫪🫪

@MagetToromoro Bila angkat, sorry pegawai cuti. Mthfkr

Its 2026 and government agency still tak pickup phone. Bebai