Yes please do the research for multi-currency account.. I do like to invest in USD and SGD coz I don’t want to put all eggs in one basket.. There is no point working and get increment and plus coz in the end with weakening of RM..plus the inflation..I can’t enjoy and reward myself coz nowadays all things becoming more expensive
Been using Wise since years. So far so good. Been years Im not using anything from traditionnal banks beside normal debit card. Fees are expensive since they need to pay more employee, rent of branches, and they well paid CEO...
Very true... Malaysia simply invested way too wrong in ptptn, brim and subsidies too much to the nation's and use country reserve to bail those crony..... Has the largest govt servant to feed as well their pension fund, That's the reason our myr keep weaken over the years due to poor income statement and high debts....not easy to deal with these and need at least 20 years to reshuffle the policy to right path...
Hi Ziet, if i have a Wise with USD, how can i use this USD to open Foreign Currency FD in local bank? I am figuring out is there any way i can avoid currency exchange by local bank
Hi Ziet, may I ask your opinion of using Rakuten Trade vs IBKR for trading in US stock, which one charges lower overall fees per transaction, in general. Thank you in advance.
As long as Malaysia's trade balance is positive, I'm confident with Malaysian economy. It's just the wrong moment to buy new iPhone or anything imported. Just consume local as much as you can for 1 more year...
Hi Jie Yi, personally not so much of a commodities fan because it doesnt suit my current risk appetite/investment objective - its more for portfolio diversification (stable, but little growth only)
Yes 'Mal-tee'. As Malaysians we speak British English. Also, the reason I make the suggestion is because the way you speak already follows British English. Then suddenly the one word you twang american 😂 so just helping you align la.
Hi Zeit, if I have USD cash, does any of these Multi-Currency A/C that you mentioned accept as a deposit in the USD currency and allow withdrawal in USD too? Would like your comment on this.
Basically the banks make money (a lot of it) from you when you convert your MYR to USD and vice versa. That's why I do not want to have muti-currency accounts with the banks. They are pretty much like loan sharks that suck you dry.
I disagree with Anwar's explanation. While most currencies in the world depreciate against the USD when the FED hikes their interest rate, the Ringgit's depreciation is among the worst in Asia. The reason is probably the due to the country's enormous debt which stands at 1,500,000,000,000. Ins spite of that, Malaysia continues to borrow more money to cover the budget deficit every year. As a matter of fact, Malaysia has been running a budget deficit for more than 20 years. That's terrible enough. Will Malaysia go bankrupt one day?
M'sia will unlikely to go bankrupt bcoz like most countries they have at least 2 options, the short term solution is to continue to print more money to buy more time to increase domestic outputs & foreign investment, the second is to ramp up exports & revenue or a combination of both. Unless the country leadership is utterly useless it's very unlikely for a country to go bankrupt
I don’t really think government depending on the nature resources a lot , they are squeezing the rakyat with more taxes and spend too many money in giving too many free money to the B40
I am confused with regards to WISE platform. If you cant hold more than rm 20k in your personal accounts,...how can you send rm 30k? Can someone pls explain
Sending is not the same as holding yeah! With sending - you can just checkout and pay (like online FPX) With holding - you are actually having money in the cash balances in the currencies in your account And like what naren mentioned above, you can always hold 20k, send 20k, then hold another 10k, then send it too
Wise rate ways better than banks, but we can't send back any Non-MYR to local banks with wise. Another option is sending to ibkr, either let it hold for interest with > 10k usd, or from ibkr back to local banks, beware of the ibkr withdrawal hold period and withdrawal fees which is usually low.
Hyperrealistic 3D Saitama Recreation GPT-4 User Uploaded image Give me a detailed prompt to recreate this image as clear and hyperealistic as possible in 3d ChatGPT Certainly! Here's a detailed prompt for recreating the given image in a hyperrealistic 3D format: 3D Model Prompt for a Hyperrealistic "One Punch Man" Character Model: Saitama (One Punch Man) Head: Create a smooth, bald head, paying close attention to the subtle contours of a real human skull. Use high-resolution textures for skin, including pores, subtle scars, and blemishes. Eyes: Craft slightly angular eyes with a determined expression. Use reflective textures for the eyes to give them depth and realism. Body: Model a muscular physique, but not overly bulky. Remember to include fine details like veins, muscle striations, and skin texture. Costume Yellow Jumpsuit: This should be tight-fitting, revealing the muscle definition underneath. Use a fabric texture that has a slight sheen, suggesting a synthetic material. Incorporate realistic creases and folds, especially around the joints. Red Gloves and Boots: Model these with a leather texture. The gloves should appear thick and padded, especially around the knuckles. The boots should show wear and have realistic creases. White Cape: Create a flowing cape that has the appearance of being wind-blown. The fabric should be lightweight, allowing for a lot of movement. Incorporate fine details such as fabric threads and subtle wear. Pose Replicate the dynamic pose from the image: left fist forward in a punching gesture and right fist clenched by his side. Ensure the weight distribution appears accurate to maintain a sense of realism. Lighting and Environment Use a three-point lighting system: a key light from the front-right, a fill light from the left, and a backlight to create a rim light effect on Saitama's silhouette. Although the environment isn't visible in the image, consider placing the character in a cityscape during sunset. This can create dramatic shadows and a warm glow, amplifying the hyperrealistic feel. Camera Angle and Focus Keep the camera angle at a low-to-mid level, looking slightly upwards at Saitama, emphasizing his dominance. Use a shallow depth of field, keeping Saitama in sharp focus while subtly blurring the background.
![[#2024MAMA] BIGBANG (빅뱅) - 뱅뱅뱅 (BANG BANG BANG) + FANTASTIC BABY | Mnet 241123 방송](http://i.ytimg.com/vi/EQsYfiPR9uM/mqdefault.jpg)
Yes please do the research for multi-currency account..
I do like to invest in USD and SGD coz I don’t want to put all eggs in one basket..
There is no point working and get increment and plus coz in the end with weakening of RM..plus the inflation..I can’t enjoy and reward myself coz nowadays all things becoming more expensive
I heard you!
buy usd 1= 1.32 sgd; sell reverse....leverage in sgd10,000.00 to usd 1 million.....500^ profit
me too
Been using Wise since years. So far so good. Been years Im not using anything from traditionnal banks beside normal debit card. Fees are expensive since they need to pay more employee, rent of branches, and they well paid CEO...
Very true... Malaysia simply invested way too wrong in ptptn, brim and subsidies too much to the nation's and use country reserve to bail those crony..... Has the largest govt servant to feed as well their pension fund, That's the reason our myr keep weaken over the years due to poor income statement and high debts....not easy to deal with these and need at least 20 years to reshuffle the policy to right path...
Hi Ziet, if i have a Wise with USD, how can i use this USD to open Foreign Currency FD in local bank? I am figuring out is there any way i can avoid currency exchange by local bank
I keep mine in USDT and earn interest on bybit wealth management FD and binance earn
Ziet Plz do content for multi currency accounts
will look into it!!
@@ZietInvests thanks brother ziet
Hi Ziet, may I ask your opinion of using Rakuten Trade vs IBKR for trading in US stock, which one charges lower overall fees per transaction, in general. Thank you in advance.
As long as Malaysia's trade balance is positive, I'm confident with Malaysian economy. It's just the wrong moment to buy new iPhone or anything imported. Just consume local as much as you can for 1 more year...
Thank you sir ❤❤ I have a us dollar with me how and where is it easy to change sir
You’re welcome! To exchange USD, check out your local banks or forex services-they’re usually the easiest and most secure options.
Hi Ziet I was wondering do you have any experience to share about investing in commodities?
Hi Jie Yi, personally not so much of a commodities fan because it doesnt suit my current risk appetite/investment objective - its more for portfolio diversification (stable, but little growth only)
any video on how exactly to 'play' bonds for dummies like me?
Awesome info! Thank you Ziet!
You're most welcome
Ziet, we are really interested in Malaysia multi currency account. thank you
A subject that is super interesting but not easy to cover - I will give it my best shot!!
i still use webull...is it okay...whats your opinion?
thank you for the video!
Thank you for dropping by too!!
May I get the comparison for standard chartered bank please? Thanking in advance
Hi carmen! You can actually get it from their website or call in to request for the most updated info!
The Legend of Ziet
Thank you bos!
Hi Ziet, it's pronounced 'mil-tee' currency account. Great video as always!
mil-tee? @_@ you mean "Mal Tee"?
It's not wrong, it's just British vs American pronunciation.
Yes 'Mal-tee'. As Malaysians we speak British English. Also, the reason I make the suggestion is because the way you speak already follows British English. Then suddenly the one word you twang american 😂 so just helping you align la.
@@copywritersblock Piss off.
Encouraging Malaysians to buy US printed US$?
Up to how you see it!
Hi Zeit, if I have USD cash, does any of these Multi-Currency A/C that you mentioned accept as a deposit in the USD currency and allow withdrawal in USD too? Would like your comment on this.
you can't deposit or withdraw USD in cash in local bank without converting them into MYR
Basically the banks make money (a lot of it) from you when you convert your MYR to USD and vice versa. That's why I do not want to have muti-currency accounts with the banks. They are pretty much like loan sharks that suck you dry.
Hi Joseph, as far as I know we can't withdraw in USD cash, not entirely sure about deposit though (i dont think they accept USD cash)
Nice video 👍
I disagree with Anwar's explanation. While most currencies in the world depreciate against the USD when the FED hikes their interest rate, the Ringgit's depreciation is among the worst in Asia. The reason is probably the due to the country's enormous debt which stands at 1,500,000,000,000. Ins spite of that, Malaysia continues to borrow more money to cover the budget deficit every year. As a matter of fact, Malaysia has been running a budget deficit for more than 20 years. That's terrible enough. Will Malaysia go bankrupt one day?
M'sia will unlikely to go bankrupt bcoz like most countries they have at least 2 options, the short term solution is to continue to print more money to buy more time to increase domestic outputs & foreign investment, the second is to ramp up exports & revenue or a combination of both. Unless the country leadership is utterly useless it's very unlikely for a country to go bankrupt
Maybe not to the extent of bankruptcy - our natural resources still stand, though I can't predict the future for sure!
I don’t really think government depending on the nature resources a lot , they are squeezing the rakyat with more taxes and spend too many money in giving too many free money to the B40
Nice 👍
How to short the USD?
buy EUR/USD
Do the opposite with other currency pair ;P
Buy yuan!
I am confused with regards to WISE platform. If you cant hold more than rm 20k in your personal accounts,...how can you send rm 30k?
Can someone pls explain
Send 20k first , then top up another 10k and send again .
Sending is not the same as holding yeah!
With sending - you can just checkout and pay (like online FPX)
With holding - you are actually having money in the cash balances in the currencies in your account
And like what naren mentioned above, you can always hold 20k, send 20k, then hold another 10k, then send it too
@@ZietInvests Thank you Ziet
@@naren9201 : Thank you Naren
Wise rate ways better than banks, but we can't send back any Non-MYR to local banks with wise. Another option is sending to ibkr, either let it hold for interest with > 10k usd, or from ibkr back to local banks, beware of the ibkr withdrawal hold period and withdrawal fees which is usually low.
another fx "expert"...don't know time of day...invest in a falling knife....short sell ringet buy usd....
Hyperrealistic 3D Saitama Recreation
GPT-4
User
Uploaded image
Give me a detailed prompt to recreate this image as clear and hyperealistic as possible in 3d
ChatGPT
Certainly! Here's a detailed prompt for recreating the given image in a hyperrealistic 3D format:
3D Model Prompt for a Hyperrealistic "One Punch Man"
Character Model: Saitama (One Punch Man)
Head: Create a smooth, bald head, paying close attention to the subtle contours of a real human skull. Use high-resolution textures for skin, including pores, subtle scars, and blemishes.
Eyes: Craft slightly angular eyes with a determined expression. Use reflective textures for the eyes to give them depth and realism.
Body: Model a muscular physique, but not overly bulky. Remember to include fine details like veins, muscle striations, and skin texture.
Costume
Yellow Jumpsuit: This should be tight-fitting, revealing the muscle definition underneath. Use a fabric texture that has a slight sheen, suggesting a synthetic material. Incorporate realistic creases and folds, especially around the joints.
Red Gloves and Boots: Model these with a leather texture. The gloves should appear thick and padded, especially around the knuckles. The boots should show wear and have realistic creases.
White Cape: Create a flowing cape that has the appearance of being wind-blown. The fabric should be lightweight, allowing for a lot of movement. Incorporate fine details such as fabric threads and subtle wear.
Pose
Replicate the dynamic pose from the image: left fist forward in a punching gesture and right fist clenched by his side. Ensure the weight distribution appears accurate to maintain a sense of realism.
Lighting and Environment
Use a three-point lighting system: a key light from the front-right, a fill light from the left, and a backlight to create a rim light effect on Saitama's silhouette.
Although the environment isn't visible in the image, consider placing the character in a cityscape during sunset. This can create dramatic shadows and a warm glow, amplifying the hyperrealistic feel.
Camera Angle and Focus
Keep the camera angle at a low-to-mid level, looking slightly upwards at Saitama, emphasizing his dominance.
Use a shallow depth of field, keeping Saitama in sharp focus while subtly blurring the background.
thank you.
😁you're most welcome!