Bank Negara Malaysia declared a RM5 billion dividend for 2025 , maintaining payouts to the government despite a moderation in earnings . Earnings Ease After Strong Prior Year BNM reported net profit of RM12.45 billion in FY2025 , down 5.7% YoY from RM13.16 billion. The decline was driven by: Lower total income (RM14.35 billion vs RM14.98 billion) Costs related to reserve management and monetary operations Despite softer earnings, the central bank sustained its second consecutive RM5 billion dividend , following a record RM5.25 billion payout in 2024 . Strong Reserves Provide Stability A significant portion of profits — RM7.45 billion — was allocated to the risk reserve , which rose to RM155.31 billion . This reserve acts as a financial buffer against: Exchange rate volatility Global financial market fluctuations BNM highlighted that 85% of its assets are denominated in foreign currencies , re...
Well, in my planning for the new house renovation, my family and I were talking about setting up lightings like those that we see on AVATAR....if you remember the 3D movie that somehow earn a lot of money for the beautiful scenery.
Anyway, I went to look for some people who are good at these and they told me it would actually cost me quite a fortune. I wouldn't want myself to be financially tight down due to these. Instead, I am planning to look for beautiful artificial flowers that could help set a greenish environment, something that I love after watching Avatar. The lightings that would be needed will then be much cheaper. These artificial flowers will be long lasting, beautiful and I plan to look for those that could give an elegant outlook.
After some discussion, the idea of buying artificial plants come into mind as my mother was telling us it would have been better to set up some lightings around these artificial plants instead. It will cost much lesser and the house could still have the design that I wanted. I am really thinking deep into this because I wanted the house to be comfortable and beautiful but I wouldn't want to spend too much on it alone as I have other plans for the usage of my money. I believe this is important because it will be very burdensome to my sister and I if we invested too much on renovation and accessories alone.
The idea was appealing to both my parents and siblings. I have look for some professionals who could probably help us with the floral arrangement and it won't be too difficult to maintain it. This will help lessen my mom's work in gardening. These plants will not only help to maintain the elegant look but it also help to create a warm atmosphere at home. Hopefully, some of my readers who might have more experience in floral arrangement and interior design could give me some of their opinions.
Anyway, I went to look for some people who are good at these and they told me it would actually cost me quite a fortune. I wouldn't want myself to be financially tight down due to these. Instead, I am planning to look for beautiful artificial flowers that could help set a greenish environment, something that I love after watching Avatar. The lightings that would be needed will then be much cheaper. These artificial flowers will be long lasting, beautiful and I plan to look for those that could give an elegant outlook.
After some discussion, the idea of buying artificial plants come into mind as my mother was telling us it would have been better to set up some lightings around these artificial plants instead. It will cost much lesser and the house could still have the design that I wanted. I am really thinking deep into this because I wanted the house to be comfortable and beautiful but I wouldn't want to spend too much on it alone as I have other plans for the usage of my money. I believe this is important because it will be very burdensome to my sister and I if we invested too much on renovation and accessories alone.
The idea was appealing to both my parents and siblings. I have look for some professionals who could probably help us with the floral arrangement and it won't be too difficult to maintain it. This will help lessen my mom's work in gardening. These plants will not only help to maintain the elegant look but it also help to create a warm atmosphere at home. Hopefully, some of my readers who might have more experience in floral arrangement and interior design could give me some of their opinions.
The most important thing of our life is choosing our dream home. Your idea about artificial plant is really good; it gives your home a unusual beauty.
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