關於 save as to costs ，我們在網路上蒐集到這些相關的討論、資訊與評價

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

150 USEFUL IDIOMS FOR IELTS SPEAKING - BÍ KÍP ĐẠT BAND 7+ IELTS SPEAKING
👉Download MIỄN PHÍ tại đây nhé: https://m.me/286585161523028?ref=150IDIOMS
===
🎯 Idiom là một trong các tiêu chí tăng điểm trong IELTS Speaking. SAVE NGAY list idioms dưới đây để áp dụng cho bài nói của bạn nhé! 🎯
Để đạt band cao trong IELTS Speaking, các sĩ tử IELTS phải đạt đủ yêu cầu về độ trôi chảy, vốn từ vựng, khả năng xử lý tình huống.💯 💯💯 Đặc biệt, sử dụng Idioms hiệu quả giúp thang điểm của bạn sẽ được nâng cao lên rất nhiều đấy!
❌ Tuy nhiên, nếu như sử dụng không hợp lí và hiểu sai nghĩa hoặc dùng không đúng hoàn cảnh thì lại vô cùng ảnh hưởng đến kết quả bài nói của bạn.
Vì vậy, hôm nay cô gửi các bạn file tổng hợp idioms sử dụng cho IELTS Speaking này. List thành ngữ dưới đây đã được giải nghĩa cụ thể cả bằng tiếng Anh & tiếng Việt, kèm ví dụ minh họa rõ ràng, chi tiết nhằm giúp các bạn vận dụng tốt hơn vào bài thi IELTS Speaking cũng như trong Giao tiếp Tiếng Anh.

A drop in the ocean – every small part of something much bigger. (Hạt muối bỏ bể không thấm vào đâu)
E.g: Just learning idioms is a drop in the ocean when it comes to preparing for the

Ace – to do well. Usually used relating to a test, competition, something with a score, or a clear winner or loser. (làm rất xuất sắc)
E.g: He aced the history test. He is an ace pitcher/batter/tennis player.

A hot potato – a controversial topic (vấn đề khó giải quyết, vấn đề nan giải)
E.g: Abortion and capital punishment are hot potatoes in my country at the moment.

A piece of cake – very easy. (dễ ợt)
E.g: Getting a band 6 in the speaking test will be a piece of cake.

antsy – getting restless. (sốt ruột, hiếu động, không yên được)
Eg: The guys are getting antsy, we need to go somewhere else before they get too noisy.

A blessing in disguise – something that seems bad or unlucky at first, but results in something good happening later (trong cái rủi có cái may) E.g: Losing that job was a blessing in disguise really.

All in the same boat – in the same difficult situation as someone else (cùng chung cảnh ngộ)
E.g: None of us has any money, so we’re all in the same boat.

A penny for your thoughts – ask someone who is being very quiet what they are thinking about (bạn đang mải mê nghĩ chuyện gì vậy?)
E.g: For several minutes they sat silently, then finally she looked at him and said, “
A penny for your thoughts, Walter.”

Against the clock – do something as fast as possible and try to finish it before a certain time. (cật lực, chạy đua với thời gian)
E.g: With her term paper due on Monday, she was racing against the clock to finish it .

At all costs– do everything you can to achieve/succeed something (bằng moi giá)
E.g: My dream is to become a successful businessman and I will work hard for it AT ALL COSTS

At the drop of a hat - immediately; instantly (trong tích tắc, ngay lập tức) E.g: If you need help, just call on me. I can come at the drop of a hat.

And then some – and even more; and more than has been mentioned. (nhiều hơn thế)
E.g: It looked like 20,000 people and then some were crowded into the stadium. I nvestors in the business got their money back and then some.

A big fan of something: to really like something: thích cái gì E.g: I am a big fan of these types of sharing dishes.

Bump into – to meet someone by chance (tình cờ gặp ai đó)
E.g: I bumped into my old friends at the seminar for education officials.

US ONLY GIVEAWAY 💫 Celebrate spring is here, I am so excited to team up with @filorgausa and giveaway a set of these best-sellers (it includes one of my favorite meso-mask🤍🤍🤍)

The rules of the giveaway are very simple:
1. Follow us @filorgausa and @petitetammie
2. Like & SAVE this post
3.Tag friends in the comment (No giveaway, no celebrity, and no fake account, unlimited entries.)

Bonus: Share on story for extra entries (Don't forget to tag us)

⁣__________________________
⁣
The giveaway ends at 11:59PST in April 5th. One winner will be selected by a random generator and notified by DM.
⁣
Unfollowers and entrants found to be using fraudulent or multiple accounts will be disqualified.⁣ and also future giveaways so be nice ️
❗️NEVER GIVE YOUR PERSONAL INFORMATION ❗️
⁣No purchase necessary, no shipping costs associated. We will 𝗡𝗘𝗩𝗘𝗥 𝗗𝗠 you asking for additional personal information or click on a website to claim your prize. If you receive a DM from someone acting as a giveaway account, pls contact us immediately.
Participants must be 18 years of age or have parents' permission.
⁣
__________________

遊戲購買連結: https://www.ruten.com.tw/item/show?22042658513851

歡迎再度來到桌遊秀!這次要來玩的是Among Us太空狼人殺的桌遊版 The Menace Among Us!
我們究竟能不能在達成目標的情況下存活呢? 快來看看吧!


Among Us》是一款多人電子遊戲，由美國]遊戲工作室InnerSloth開發並於2018年6月15日發布。遊戲以太空為主題，玩家將扮演船員（Crewmate）或入侵者（Impostor）之一。船員的目標找出入侵者並完成任務，而入侵者的目標是殺死所有船員而不被發現。雖然遊戲於2018年發布，但鮮有問津，直到2020年因為眾多Twitch實況主和YouTuber遊玩才流行起來。為回應遊戲的熱度，遊戲開發者於2020年8月宣布將開發續作《Among Us 2》，但是一個月後（9月）宣布取消續作的開發，將重點轉移到改進原版遊戲上
The Menace Among Us is a semi-cooperative game of intrigue and survival in deep space. Adrift and powerless, your crippled vessel is bleeding oxygen. As you effect repairs, every breath you take brings you one step closer to death. You must work together to restore power before the air runs out — but hidden among you, as loyal friends and crew members, are imposters who have infiltrated security and continue to sabotage the ship. Their only goal is to avoid detection and kill the crew, by force or by asphyxiation. Can you identify them in time and eliminate the threat? Or will succumb to the menace among us?

The Menace Among Us is a 40 to 60-minute, asymmetrical card game for 4-8 players. Each player chooses an Agenda at random, either a loyal Crew member, a deadly Menace or the Coward, who’ll take any side just to survive. Your Agenda card sets a Team Goal and an Individual Goal, as well as outlines any special abilities and the card composition of your individual 13-card deck. Then, knowing your Agenda and Goals, you choose a Character who you believe will best help you achieve them or mask your true identity. Characters add 7 new cards to your deck, shuffle-building a unique combination of cards, as well as provide you two specialized Above Deck Actions.

In this hidden traitor game, how you play your cards and abilities is far more important than the meta game aspects of accusations and denials. Cards are played face down and shuffled together as “Below Deck Actions.” Here, Menace players secretly sabotage the ship’s systems and attack crew members, who are trying to save the ship with their cards. If too few crew members risk going below deck to effect repairs, the ship’s Emergency Maintenance Assistant (EmMA) adds cards to the pile to help. However, the system has also been compromised and occasionally places damaging cards into the mix, providing plausible deniability to the Menace players. In contrast, Above Deck Actions are conducted in full view of the crew. Most of these abilities have costs, either in Energy or Oxygen, both resources the crew is trying to increase. So, while The Doctor has the ability to heal a crew member and remove a debilitating effect, a Menace player, who may be secretly in control of The Doctor, cares far more that it costs 2 Oxygen to perform the healing.

At some point, someone’s behavior will raise suspicion. But, did they do so because they are trying to fulfill an Individual Goal – or are they a Menace? You can call a vote to expose their true nature. But if they are a loyal Crew member, you’ve just blown precious Oxygen in the effort to detain them. For that matter, was it a Menace player calling the vote in hopes of wasting the air on purpose?

If the Crew can find and eliminate the Menace players – and raise the Energy to a safe threshold before the air runs out, they win. If the Menace can prevent this or kill the crew outright, their mission succeeds. Special commendations are awarded for surviving and for achieving your Individual Goal.


娛樂百分百
凹鳴狼人殺

The Menace Among Us太空狼人殺桌遊版 這裡買: https://www.ruten.com.tw/item/show?22042658513851

講到陣營遊戲 大部分的人想到的應該都是狼人殺、阿瓦隆，但你知道其實有很多比這幾個遊戲更好玩的陣營遊戲嗎? 快來看看吧!

死亡寒冬
CS Files犯罪現場
威脅潛伏 The Menace Among Us (太空狼人殺)
人類懲戒
太空堡壘:卡拉狄加


The Menace Among Us is a semi-cooperative game of intrigue and survival in deep space. Adrift and powerless, your crippled vessel is bleeding oxygen. As you effect repairs, every breath you take brings you one step closer to death. You must work together to restore power before the air runs out — but hidden among you, as loyal friends and crew members, are imposters who have infiltrated security and continue to sabotage the ship. Their only goal is to avoid detection and kill the crew, by force or by asphyxiation. Can you identify them in time and eliminate the threat? Or will succumb to the menace among us?

The Menace Among Us is a 40 to 60-minute, asymmetrical card game for 4-8 players. Each player chooses an Agenda at random, either a loyal Crew member, a deadly Menace or the Coward, who’ll take any side just to survive. Your Agenda card sets a Team Goal and an Individual Goal, as well as outlines any special abilities and the card composition of your individual 13-card deck. Then, knowing your Agenda and Goals, you choose a Character who you believe will best help you achieve them or mask your true identity. Characters add 7 new cards to your deck, shuffle-building a unique combination of cards, as well as provide you two specialized Above Deck Actions.

In this hidden traitor game, how you play your cards and abilities is far more important than the meta game aspects of accusations and denials. Cards are played face down and shuffled together as “Below Deck Actions.” Here, Menace players secretly sabotage the ship’s systems and attack crew members, who are trying to save the ship with their cards. If too few crew members risk going below deck to effect repairs, the ship’s Emergency Maintenance Assistant (EmMA) adds cards to the pile to help. However, the system has also been compromised and occasionally places damaging cards into the mix, providing plausible deniability to the Menace players. In contrast, Above Deck Actions are conducted in full view of the crew. Most of these abilities have costs, either in Energy or Oxygen, both resources the crew is trying to increase. So, while The Doctor has the ability to heal a crew member and remove a debilitating effect, a Menace player, who may be secretly in control of The Doctor, cares far more that it costs 2 Oxygen to perform the healing.

At some point, someone’s behavior will raise suspicion. But, did they do so because they are trying to fulfill an Individual Goal – or are they a Menace? You can call a vote to expose their true nature. But if they are a loyal Crew member, you’ve just blown precious Oxygen in the effort to detain them. For that matter, was it a Menace player calling the vote in hopes of wasting the air on purpose?

If the Crew can find and eliminate the Menace players – and raise the Energy to a safe threshold before the air runs out, they win. If the Menace can prevent this or kill the crew outright, their mission succeeds. Special commendations are awarded for surviving and for achieving your Individual Goal.



娛樂百分百 狼人殺

Oh My God!! Grossed out! Are all Chinese or Asians Cheapskates?
Watch as we explain it in this video and feature a short clip from the original TLC TV episode
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This Video is about: Extreme Chinese Cheapskate Explained
https://youtu.be/4zlyqARZiQQ
https://youtu.be/4zlyqARZiQQ