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Biography: Takeshi Kitamura

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  A Story of a Malaysian Japanese Takeshi Kitamura was born in a small city in Malaysia, carrying Japanese culture inherited from his father. His journey took him to Curtin University, a campus in Perth, Western Australia, and offshore campuses in Malaysia, Singapore, Dubai, and Mauritius. Here, he pursued a Bachelor of Commerce, specializing in Marketing and Management, earning a degree accredited by the prestigious AACSB, EQUIS & EFMD. Takeshi took a leap into the professional world. He joined the esteemed RHB Banking Group, the fourth-largest and fully integrated financial services group in Malaysia. Here, he assumed the role of a Personal Banker Bancassurance (PBB), demonstrating his expertise in life insurance. He continued to expand his professional repertoire, amassing a collection of professional certificates. His dedication and expertise did not go unnoticed, leading to a promotion that would take his career to new heights. Enter Malayan Banking Group (Mayban...

Pembiayaan Perniagaan Bumiputera di Malaysia

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Sebagai usahawan yang beraspirasi untuk mengembangkan perniagaan, cabaran terbesar yang sering dihadapi adalah kekurangan modal kewangan. Modal yang mencukupi adalah kunci utama untuk memastikan perniagaan mampu bersaing di pasaran yang semakin kompetitif. Namun, usahawan Bumiputera di Malaysia boleh berasa lega kerana kerajaan dan pelbagai institusi kewangan menyediakan pelbagai skim pembiayaan dalam bentuk geran, dana, dan pinjaman khas untuk Bumiputera. Dengan bantuan kewangan ini, peluang untuk memperkukuhkan perniagaan dan mengembangkan operasinya menjadi lebih cerah. Berikut adalah beberapa pilihan pembiayaan dan bantuan kewangan yang disediakan untuk usahawan Bumiputera di Malaysia: TEKUN Nasional TEKUN Nasional adalah sebuah agensi di bawah Kementerian Pembangunan Usahawan dan Koperasi yang menyediakan kemudahan pembiayaan pantas kepada usahawan Bumiputera. Skim Pembiayaan TEKUN yang ditawarkan: Skim Pembiayaan TEKUN Niaga Skim Pembiayaan Teman TEKUN Skim Pembiayaan Program Tem...

What is an ETF?

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An ETF, or Exchange-Traded Fund , is an investment fund that pools money from multiple investors to buy a diversified portfolio of assets, such as stocks, bonds, or commodities. ETFs are traded on stock exchanges, much like individual stocks, making them highly liquid and accessible. Unlike mutual funds, which are bought or sold at the end of the trading day, ETFs can be traded throughout the day at market prices. This feature allows investors to react quickly to market changes. Key Features of ETFs: Diversification : ETFs provide exposure to a broad range of assets or specific sectors. Liquidity : As they’re traded on exchanges, ETFs can be bought or sold easily during trading hours. Transparency : Most ETFs disclose their holdings daily. Cost-Efficiency : ETFs typically have lower management fees compared to actively managed funds. Types of ETFs Equity ETFs : These track the performance of a stock index, such as the S&P 500 or FTSE Bursa Malaysia KLCI. Bond ETFs : These focus on ...

Worldcoin Malaysia Demystified: All You Need to Know

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 As artificial intelligence (AI) continues to reshape our world, concerns about identity verification, fraud, and income inequality are increasingly coming to the forefront. Enter Worldcoin, a revolutionary initiative that combines cryptocurrency and biometrics to address these challenges. Launched by Sam Altman, CEO of OpenAI, Worldcoin is poised to redefine global identity verification and economic inclusion. Here's everything you need to know about this ambitious project. What Is Worldcoin? Worldcoin is a decentralized cryptocurrency project co-founded by Sam Altman, Alex Blania, and Max Novendstern. It integrates AI, blockchain, and biometric technology into a single platform to: Create a unique digital identity for everyone. Introduce a global cryptocurrency accessible to all. Provide an app for seamless payments, transfers, and purchases. Worldcoin aims to build a more inclusive global economy by ensuring everyone—regardless of financial status—has access to its services. Its...

Kaprekar Constant: An Overview

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The Kaprekar constant , named after the Indian mathematician D.R. Kaprekar , is a number that emerges from a mathematical process performed on four-digit numbers in base 10. The constant is 6174 , and it is achieved through a repetitive process of rearranging the digits of a number to form the largest and smallest possible numbers, then subtracting the smaller number from the larger one.   History The concept of the Kaprekar constant was introduced in 1949 by Dattatreya Ramchandra Kaprekar , a self-taught mathematician from India. Kaprekar was fascinated by numbers and often explored their unique properties. His discovery of the constant made him famous, especially for its simplicity and its surprising behavior across four-digit numbers.   The Process (Illustration) Choose any four-digit number with at least two different digits (e.g., 3524).   Arrange the digits in descending and ascending order to form two four-digit numbers: Largest: 5432 Small...

Magical Numbers

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1. 1729 (The Hardy-Ramanujan Number) Origin : Named after a famous anecdote involving mathematicians G.H. Hardy and Srinivasa Ramanujan . Hardy mentioned to Ramanujan that 1729 seemed like a dull number, to which Ramanujan replied that it is the smallest number expressible as the sum of two cubes in two different ways: 1729 = 1 3 + 1 2 3 = 9 3 + 1 0 3 1729 = 1^3 + 12^3 = 9^3 + 10^3 Magic : It's a prime example of taxicab numbers . 2. 1089 (A Palindrome Phenomenon) Process : Take any three-digit number where the first and last digits differ (e.g., 732). Reverse the digits (e.g., 237). Subtract the smaller number from the larger number: 732 − 237 = 495 732 - 237 = 495 Reverse the result and add it to the original subtraction result: 495 + 594 = 1089 495 + 594 = 1089 Magic : The result is always 1089 1089 , regardless of the starting number. 3. 0.999... (The Infinite Nine Paradox) Magic : 0.999... 0.999... is mathematically proven to be exactly equal to 1 1 : x ...

Bubble in Economics

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Bubbles - the fascinating little spheres of air trapped within a thin layer of liquid - are more than just a fun pastime for children. They are a captivating subject for scientific study, a source of inspiration for artists, and a symbol of joy and innocence in popular culture. Let's dive into the world of bubbles and discover what makes them so fascinating. Bubbles are formed when air is trapped within a thin layer of liquid, such as soap, water, or soda. This creates a surface tension that holds the bubble together, and the air inside the bubble expands until it reaches a point where the surface tension can no longer hold it together. When the bubble pops, the air is released, and the liquid evaporates, leaving a residue of soap or other material. Scientists have been fascinated with bubbles for centuries, studying their properties and behaviour. In the 18th century, French physicist Jacques Charles studied the properties of gases and discovered that the volume of a gas is propor...

The New Enhancement of Protection under HDA

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  Property Law and Institutional Framework Recent legislation (Housing Development (Control and Licensing) Regulations 1989) (HDCLR 1989) has seen significant changes in safeguarding the homebuyers’ interests as the previous Housing Developers (Control and Licensing) Act 1966 (Act 118) only protects up to a certain point and widely known for its incomprehensive law in governing the housing industry.  To begin with, HDCLR 1989 only applies to Peninsular Malaysia, while East Malaysia is governed under Sabah Housing Development (Control and Licensing) Enactment, 1978 and Sarawak Housing Developers (Control and Licensing) Ordinance of 1993 due to the status quo that remains until today. The Federal Court’s decision in  Khau Daw Yau v Kin Nam Realty Development Sdn Bhd  [1983] 1MLJ 335 has substantiated that HDCLR 1966 is designed to protect the homebuyers against irresponsible developers.  Essentially, the act mainly protects the purchasers from the r...