Azharuddin Profile picture
Jan 29, 2023 10 tweets 3 min read Read on X
ChatGPT semakin popular, dah try?

Saya dgr podcast Morgan Stanley tntg trends 2023. Antara trend: Gen Z akan buat multiple income streams. Why? antara sebab: chatGPT

Saya tanya chatGPT utk dpt jawapan mengapa ini berlaku.

ChatGPT jawab dlm masa 10 saat sahaja‼️ Image
"Why settle for one source of income when you can have many? #GenZ is embracing multiple earnings streams for job security, financial stability, the freedom to pursue their passions. The gig economy & technology make it easier than ever! #MillennialMoney #EarningsStreams"
Soalan saya ChatGPT untuk suggest a tweet on multiple income di atas👆

Kemudian saya tanya:
"what are 3 reasons why Gen z going for multiple earnings stream?"
Answers👇
"1. Job security: With job security becoming increasingly uncertain, Gen Z is seeking to diversify their sources of income to reduce their dependence on a single employer"
"2. Entrepreneurial mindset: Gen Z is often described as entrepreneurial, and many are seeking ways to monetize their skills, passions, and interests through multiple streams of income"
"3. Financial freedom: Having multiple sources of income can help Gen Z build wealth and achieve financial independence more quickly. It also provides the flexibility to pursue their passions, travel, and live the lifestyle they want without being tied to a single job"
Rumusan:
Mengejar pelbagai income & kerja semakin popular dgn Gen Z kerana mahukan financial stability, capai financial goals dan bebas untuk kerja dan hidup on own terms.

Gen lain juga pursuing multiple income, mngkin sbb ia mudah dilakukan berbanding dulu.
You can register here for chatGPT dan tanya soalan sebanyak boleh.

chat.openai.com/auth/login
join me in my telegram

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More from @azha_nordin

Feb 19
Terdpt 2 bank yg patuh shariah dari sejumlah 10 bank tempatan yg disenarai Bursa. Mereka diluluskan oleh Majlis Penasihat Syariah, Suruhanjaya Sekuriti Malaysia, atau lebih dikenali dgn SAC.

2 bank ini ialah MBSB dan Bank Islam (BI).

How big are these 2 banks relative to other banks?

Biasanya saya bahagikan bank di Bursa mengikut saiz nilai pasaran atau market capitalisation.

Banks by order of size:
1. Bank besar: Maybank, Public, CIMB
2. Bank Sederhana: Hong Leong, RHB, AM
3. Bank kecil: MBSB, Affin, Alliance, BI
(*Bank Muamalat is not listed)
How big is MBSB dan BI mkt cap?
Walaupun paling kecil dari aset, MBSB teratas small banks iaitu RM6.4bil. Affin is RM6.1bil, diikuti oleh Alliance RM5.6bil dan terakhir BI iaitu RM5.3bil. Position mereka sentiasa berubah kerana perbezaan agak marginal.

Dari segi prestasi saham pula tahun ini, MBSB mendahului dgn 9.2% tahun ini, BI pula +5.9%. Index Bursa Finance naik 5.9%.
Prestasi MBSB tahun 2024 ke-3 terbaik di blkng Affin dan CIMB.
(Of course this irrelevant as shariah banks shud not be compared with conventional ones. It’s only for illustrative purpose) Image
Read 6 tweets
May 11, 2023
GDP suku-1 (1Q23) Msia diumum esok (Jumaat 12/5).
Data ekonomi Jan-Mac meramalkan GDP Msia slower tapi tinggi dari 5%.
Kita imbas semula apa faktor growth Msia. Apakah expectations tahun ini, boleh kah Msia capai 4.5% tahun 2023.
Msia negara ke-5 dlm Asean umum GDP selepas:
Viet +3.3%, date 29/3
Spore +0.1%, 14/4 (adv)
Indo +5.0%, 5/5
Phil +6.4% 11/5
Msia 12/5
Thai 15/5

Spore negara Asean paling terjejas dgn global ekonomi perlahan. GDP hanya 0.1% dan IMF ramal GDP hanya 1.5% tahun 2023 penuh. Image
GDP Msia 1Q23 Jumaat ini dijangka lebih 5% yearly basis. Walau perlahan vs 7.0% 4Q22, still decent growth. Despite a full 1% hike kadar faedah thn 2022, ia belum lagi jejas mendadak consumer spending. Wholesale & retail spend Msia masih berkembang >10% bln Jan, Feb, Mac 2023. Image
Read 10 tweets
May 8, 2023
Semasa mesyuarat tahunan shareholders Berkshire Hathaway (BH) Sabtu lps, Warren Buffet beri amaran tentang ekonomi US & bahawa “boom time” business nya telah berakhir. Business telah benefit dari dorongan monetary & fiscal. No more.
Ini view penting dari Buffett.
In any case this is how BH stock has performed in 5 years. Image
Buffett emphasised that business BH buat solid performance bbrp tahun lps kerana kadar faedah rendah (monetary) dan rangsangan US govt (fiscal). "Ia adalah iklim yang berbeza drpd 6 bln yang lalu" dan jangka kemerosotan ekonomi lebih meluas akan berlaku.
Read 9 tweets
May 2, 2023
After a good start 2023, ringgit agak lemah. Sehingga Apr 23, ringgit -1.4% vs USD. Rupiah, baht, peso, S$ semuanya positif. Rupiah mendahului negara lain naik 6.2%.
Apakah spekulasi politik sebabkan ringgit jatuh semula? Atau sebab BNM 3 Mei mngkin kekal kadar faedah? Image
Ringgit hampir paras 4.50 semula. Ia juga jatuh berbanding euro & British pound tahun ini.
Banyak faktor mempengaruhi matawang. Apakah mungkin politik terkini, unity govt Msia jatuh adalah antara sebab yg memberi kesan? Juga pilihanraya negeri juga bln Jun nanti. Image
Ringgit telah jatuh hampir 7% tahun ini berbanding rupiah. Interest rates Indonesia agak tinggi, ini sebabkan aliran dana asing positif. GDP 2023 diramal baik 5% dan inflasi telah turun bawah 5%. Image
Read 5 tweets
Apr 30, 2023
Tahun ni ramai, merasakan daily traffic KL amat terok. Dulu 50min pulang kerja, dah jadi hmpir 2 jam. Itu blm hujan. Raya ni pun teruk, lebih bnyk kereta highway PLUS.
Mari lihat statistik. Smnjak 2010, jumlah kereta tahunan bertambah pesat, melebihi penduduk. That's why. Image
Semenjak 2010, registration utk kereta baru (termasuk comercial) purata 610K setahun. Manakala penduduk bertambah 440K saja.
Dlm tempoh 13 thn, jumlah kereta ialah 7.9j, penduduk 5.4j. Kereta naik 2.5j melebihi penduduk.
Even during PKP jualan kereta tetap baik.
bagaimana dgn highway? Walaupun ada 7.9j kenderaan baru, hanya terdpt beberapa highway baru di KL. Tapi interstate PLUS highway hampir tidak berubah. Smnjak 2010, hanya penambahan lorong ke-4 Shah Alam ke Duta & Rawang, Nilai dan PD.
Read 6 tweets
Apr 26, 2023
Singapore dpt #1 ranking "Good Government Index" 2023 dilancar hari ini. Index tahunan Chandler ini mengukur "capabilities and effectiveness" 104 kerajaan di seluruh dunia.

Tahniah Msia, teratas antara negara Asean (ex-Spore). Image
Chandler index pertama kali dilancar 2021. Ia dikatakan index ranking kerajaan paling komprehensif. Measurement mengikut 7 pillars (below). Thn 2021, 2022: 1. Finland, 2. Swiss, 3. Spore.

Menurut lapuran: "Good government is a deciding factor in whether nations succeed". Image
Thn 2023 1. Spore naik top spot 2. Swiss 3.Finland. Mostly developed European countries dlm top 20.
Spore berada number 1 dlm 4 pillar. Next highest Asia ialah Jepun (13) dan Korea Set (18). UAE ke-20 tetapi ranking "leadership" (2) dan "Financial" (3) amat tinggi Image
Read 6 tweets

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