Browsing Category:

Default

Office Space for rent in PJ

Benefits of Renting an Office Space in PJ

The future of office space will be occupied by robots. And not just any robots, but very intelligent ones that can do a lot more than just eat sandwiches and make coffee for us. They will be able to learn from our mistakes and become even better than we are at doing certain tasks. The office space in PJ is getting increasingly expensive and in short supply. You don’t need to be a millionaire to rent an office.  Virtual offices are often used by companies when they need to create innovative content. These virtual offices are usually located in special spaces that provide plenty of space and are not too expensive to rent. Some companies even use them as an office space as well.

E-commerce sites also have an e-commerce office space. This is a place where all kinds of products can be sold online and will not be exposed to the public. The only requirement is that these offices must have adequate lighting, ventilation and temperature control so the customers do not get cold or hot during the nighttimes hours. The office space for rent in PJ is an investment that can be made with little thought. Office Space for rent in PJ is widely available and at affordable prices. It could be used to accommodate one’s own needs or for commercial purposes. The apartment facilities are mainly used by professionals and business owners who want to live in a high-quality environment. This can be achieved by using the space as it is meant to be used, providing suitable services and amenities.

o2 1024x684 - Benefits of Renting an Office Space in PJ

An apartment for rent is a space designed by the owner to rent out. The owner takes care of the maintenance and allows apartments for rent for individuals to use. The space is located in the heart of the city, close to shopping centres, cafes, entertainment and culture. The price is around 200 €/sqm including utilities. The real estate industry is changing rapidly. We see new developments in the office space market such as mini lofts, urban living, and shared offices. While there are many companies who have already started operating their own actual offices, most of the smaller companies still need to rent their office space. 

In future, we will see many sharing office spaces where a company can rent an entire floor for a small monthly fee. As more and more offices are being created for rent as well as for sale, this segment is expected to grow rapidly in the coming years. Smaller firms may not be able to afford buying expensive office furniture or having an elaborate design on their walls because of limited resources.  The space that is rented out has many advantages and disadvantages, as well as advantages and disadvantages for the tenants. It can provide a more flexible way of working especially when it comes to the amount of things that one can fit into a room, which allows one to work from home with ease and freedom.

e banking system malaysia

The Most Cost-Efficient Bank Account

What is the most cost-efficient bank account for millennials in the US? With the current world economy, it is a must for everyone to find the most cost-efficient bank account for their needs. There are a lot of options to choose from, so it can be difficult deciding which one you should go with. In this article, we will break down the pros and cons of many of these accounts and explain how to analyze your needs based on what type of account you’re looking for!

What are the benefits of bank account?

A bank account is an investment that allows you to store money and earn interest on it. The best thing about bank accounts is that they allow you to save your money without having to worry about running out of it until payday. You can access your money whenever you want and withdraw a fixed amount per day. It is important to open a bank account as soon as you can. This is because bank accounts are required by law to provide certain benefits. These benefits include being able to easily deposit checks, wire transfers, and even get a loan if needed. Banks also offer FDIC insurance on deposits up to $250,000 so that your money is protected no matter what happens.

pexels rodnae productions 7821717 1024x683 - The Most Cost-Efficient Bank Account

How much does a bank account cost?

It depends on the bank, but some banks charge less than $50 annually for accounts that offer the best services. The ideal e banking system malaysia have no fees attached to it and be able to use ATMs anywhere. A lot of people think that opening a savings account with a bank is expensive. That’s because most people just open up an account and never use it. However, the cost of opening an account can be near 0% if you open it with a particular bank. The different types of accounts are: checking, savings, and money market.

The difference in costs between these accounts is a little over 1%. An individual bank account is for a single person or family that requires access to their own funds. A joint bank account is for two or more people who share the same bank account and each have their own individual accounts. An individual bank account is simple, cost-efficient, and easy to use. When you open an account with a bank, you’ll be charged a monthly service fee for your account. However, opening an individual bank account frees up personal assets from the control of that particular bank and allows you to potentially invest in other assets outside of their control.

Which banks offer the best services with competitive pricing?

Many people wonder which bank offers the best service and customer support. The most important factor to consider when comparing banks is their pricing. You should look at how current pricing, fees, and other services are compared to make an informed decision. In the USA, there are only two banks that offer competitive pricing and lower fees: Ally Bank and Charles Schwab. They currently have the best interest rates, rewards programs, and customer service nationwide.

More articles like this here.

family medicine training course in Malaysia

Why Attend a Family Medicine Training Course in Malaysia?

The medical education system in Malaysia is recognized worldwide. It is known for its high-quality and affordable health care services, as well as its national commitment to make healthcare accessible to everyone. Family medicine has been a specialty of Malaysia since the 1970s and is widely practiced in the country. Malaysia is a great place to study medicine. With multiple medical schools in the country, there are many opportunities for students to learn from top world-class professors and attend innovative courses. The Malik Medical School of Malaysia was the first medical school in Malaysia. It was founded in 1895 by Dr. Haji Mohamad bin Mohammad, who became known as the Father of Medicine in Malaysia. The school is located on a 28-acre campus at Jalan Sembilan, Malacca City which is only 30 km away from Malacca Town and amidst lush greenery with plenty of space for traveling around the campus for both students and lecturers.

Medical education in Malaysia is still largely based on lectures and bedside teaching, with limited time for clinical work. This tends to result in a lack of practical skills that medical students need when they start practicing. Medical school is the first step towards becoming a medical doctor. There are many medical schools around the world that offer training courses for their students, which can last from one to two years. There are many reasons why one should consider studying medicine in Malaysia. First, it is an inexpensive place to study, with the cost per semester ranging from US$3,000-$7,000 depending on your chosen course and whether you want to study in public or private universities.

Family Medicine training course in Malaysia 1024x683 - Why Attend a Family Medicine Training Course in Malaysia?
Happy female doctor giving high fie to a little boy who came with father at hospital.

The country also provides a lot of perks for international students looking for international opportunities. Besides receiving an internationally recognized degree and job opportunities around the globe, you will also be able to stay in Malaysia as long as you want after graduation without any issues. As we age, there are certain issues that arise in our health. One of the most common and serious of these is dementia, a condition caused by the gradual decline of neurons in the brain. Many countries have begun to invest in ways to prevent and treat dementia and this includes improving their medical education system.

Malaysia has one of the top medical education systems in Asia. They have over 20 medical schools and more than 300,000 qualified doctors per year. The country is also ranked first among other countries for having healthy citizens that live long lives with a high life expectancy rate at 84 years old. These factors make Malaysia a great place to study medicine at any level. It can be difficult to understand what medical school in Malaysia offers if you don’t know anything about the country. This article will explain to you why it’s worth attending a family medicine training course in Malaysia. Medical school is an important step towards achieving your career goals and making sure that your skill set is up-to-date on all levels.

Ventilation Pipes And A PVC Floor And Ceiling Are Provided In The Laboratory

mitchell luo RAliDqgJKbE unsplash 1024x683 - Ventilation Pipes And A PVC Floor And Ceiling Are Provided In The Laboratory

It is crucial to design a flexible laboratory so that the space can be adjusted rapidly to suit the demands of current and future users. Scientists are increasingly using laboratory rooms to accomplish their work from beginning to end. If you’re doing computer-based research, you’ll need to write down your findings (on paper or with a pen), carry out the necessary tests, and store and dispose of chemicals. Modern laboratories must be big enough to handle all of these functions. As a result, your lab design will need to include almost everything—but not the kitchen sink—to be effective (because no food is allowed in the lab). Since various research projects have varied requirements, the laboratory should have an open architecture so that it may be easily reconfigured for new studies. A simple approach of achieving this aim is to place seats and storage facilities on lockable wheels for maximum mobility and adaptability.

sami salim nXVgAAY FsY unsplash 768x1024 - Ventilation Pipes And A PVC Floor And Ceiling Are Provided In The Laboratory

An example of a mobile storage container with lockable wheels is shown below:

Ease of access and organization of data

People of all physical and mental abilities should be able to enter the laboratory. Is the height of the shelves and cabinets suitable for someone who is seated, for example? Whether or whether an employee with a disability is able to open the doors is a matter of debate. Everyone must have access to all sites, including those that are accessible to persons with disabilities. Finding the right lab bench supplier malaysia is there.

When designing the lab’s layout, be sure to include the locations of restrooms, waste disposal units, emergency exits, first aid supplies, and fire extinguishers/blankets that can be reached through several routes in case one path is blocked during a crisis.

The pre-examination, test, and post-examination stages of the design must be kept separate in the laboratory architecture to avoid cross-contamination. In order to save travel time for chemists and other scientists, consider placing related operations next to one another.

Low chairs and locks allow a broader range of people to use the bathroom, making it more accessible.

Signage that is visible from a distance

Safety information and warnings must be included in the laboratory design process. Text on signs and printed materials should be in the English language in order to be clear and understandable (or the most commonly spoken language in your lab). To make the text easy to read, it should be written in a legible typeface with an appropriate color scheme.

Depending on the data they provide, the majority of laboratory signs follow strict color coding guidelines. Emergency escape and first aid signs and containers are always constructed of white wording or photos on a green background, for example.

There should be an inspection of all indicators and emergency procedures, such as the use of an automated external defibrillator (AED), at least once a year. Make sure that restrooms and exits are properly marked in addition to safety signage. Emergency instructions should be clearly visible and accessible.

The location of the SDS with respect to the lab layout is essential. To ensure the safety of laboratory workers, all laboratories are required by law to keep accurate and up-to-date Safety Data Sheets (SDS) for the substances they use. As a reminder, all chemicals currently in use in the laboratory must be correctly marked with their composition, the projected time of use, the username and contact number, and an emergency contact phone number (for example, the poison control center).

There are warning signs that may be noticed in a laboratory

In addition to these five recommendations, there is a lot more to consider while designing a lab. Laboratory designers must do extensive research and engage with experts and other interested parties in order to create the best possible design for each facility.

Perfect Choices You Need To Make When You Are Choosing A Lab Furniture Item

Perfect Choices You Need To Make When You Are Choosing A Lab Furniture Item

8cf76e19205c1809a61eeff1235b - Perfect Choices You Need To Make When You Are Choosing A Lab Furniture Item

The materials and equipment to be used in the survey phase of the project dictate the features of the laboratory’s furnishings. There are a number of factors that must be taken into consideration when designing a laboratory: the flowchart and equipment that is used, the tests that are carried out, the products that the laboratory uses, and the materials that are used in the construction of the laboratory (which are chosen according to the user’s needs and respective processes). When it comes to the lab furniture malaysia you can have the smartest deals.

Cabinets and More for You

Sample and reagent storage cabinets, as well as tables and file cabinets, should also be mentioned. It is also important to analyze each laboratory’s demands and operations before recommending furniture that fulfills the customer’s requirements, always with the utmost ergonomics, safety, and practicality.

  • Side and center benches are the most common bench kinds in a laboratory, and they may be situated either next to a wall or elsewhere in the room. Each of the four corners of this bench is a potential entry point. Alternatively, a center bench might be attached to a side bench. Access is available from three sides in this situation. There are also Mobile Modules, which can be moved about on casters.
  • When it comes to the physical aspects of the laboratory, work benches with doors and drawer modules and an appropriate top for the materials being handled are required. In addition to exhaust hoods and captors, a reagent cabinet, a shower, and emergency eyewash, this facility must feature an exhaust gas hood for handling chemical compounds.

Do you have plans to remodel your kitchen or open a new home and are looking for furniture to go with it?

Keep in mind that the final outcome of your kitchen design is mostly determined by two factors: the layout and the furnishings you choose.

Your kitchen will only be great if it combines both function and style. So, here are some recommendations to help you choose the best kitchen furniture for your requirements, without sacrificing style or comfort, and without breaking the bank.

Similarly to the necessity for a sufficient workspace, the accessibility of our kitchen’s many components must also be considered.

One of the most popular regulations when it comes to furniture distribution is to follow the work triangle rule, which dictates that the movement between oven, refrigerator, and sink should follow a parallel line. “I” and “L” shaped kitchen layouts are the finest options for this guideline to be applied to.

While it’s true that distribution is crucial, when it comes to choosing kitchen furniture, we need to take into account how easily accessible each piece is to us. What exactly does it imply to you?

Let’s take a time to reflect on our own height

This seemingly insignificant issue has the potential to fundamentally alter our understanding of the importance of the bottom and upper modules of furniture. It’s important to keep in mind, particularly as we become older, that bending over may be really painful. Choosing kitchen furniture that will make your life simpler is important in this regard.

822aa4cfb71036e46b6d25f64cf7f490 metal kitchen cabinets office cabinets - Perfect Choices You Need To Make When You Are Choosing A Lab Furniture Item
online slot game malaysia

The most recent information about sports betting, online casinos, and other topics

Entrance with a bet online slot game malaysia may help you enhance your life and talents at school and at work, as well as provide you with enjoyable leisure time at home. They have the potential to advance their teaching careers while also providing a variety of entertainment options. Check out the articles below for some excellent advice on how to have a better understanding of online casino games.

Play the game personally before allowing your child to participate in online casino games

Not only should you check the content ratings on the games you don’t want your kid to play, but you should also check the ratings on the games you do want them to play. For the first time, take a few minutes to relax and enjoy yourself.

Invite your friends and family to join you in playing your favourite online casino games

You will be able to spend quality time with them, reconnect with them via old memories, and play your favourite game. They may even want to purchase one for themselves so that you can all play together in the comfort of your own home, you never know.

Because online casino games are pricey, you may want to rent them rather than purchase them if you are unsure if you would like them. Many firms provide online casino games for rent at a predetermined monthly charge, which many people find appealing. By renting out the first online casino game, you may try it out to see whether you enjoy it before deciding whether to purchase it.

mobile casino 5012426 1280 1024x576 - The most recent information about sports betting, online casinos, and other topics

Avoid purchasing new games for gaming consoles and personal computers if at all possible

Beginning at sixty bucks, this is a normal starting price. However, it normally falls below fifty dollars within a few weeks or months. Despite the fact that you may be holding out for titles that are less expensive, it is conceivable that you may end up with the identical game.

Before purchasing a game, be sure to read reviews on it

It’s possible that you’re looking forward to the release of new shooter games. However, if you buy it without first reading reviews, it might be a huge waste of your time. Check at least 3-5 times before investing your money in games that you won’t like playing.

Examine your child’s participation in the game

Many games are played online, and your youngster will be able to communicate with anybody else who is also playing online. Inquire with your child about his or her game and about the people with whom he or she is conversing. Alternatively, you may check into your child’s gaming system and parental control settings, which enable you to monitor and regulate what your child is doing when playing games.

The guess game system was devised so that it would be compatible with the most recent video games that were being produced at the time. This toto hd combines the greater characteristics of the previous edition while also providing you with the first few features of the new version.

More articles like this here.

Bandar Sungai Long

An Effective Real Estate Solution for Your Bandar Sungai Long Apartment Needs

Your credit score is a number that the bank uses to assess whether or not you qualify for credit. A person’s total debt, which includes all loans and overdrafts, is divided by their gross income before taxes to arrive at this number (i.e., before taxes). A condominium purchase loan cannot exceed 1.75 times your household’s yearly income before taxes if you wish to borrow money for it.

Credit Certificate

You must have papers from your bank proving you can borrow a particular amount before you can reply fast to an available property. By getting a loan certificate, you may move forward more rapidly while looking for an apartment.

Mortgages

The bulk of the money needed to buy an owner-occupied flat in Bandar Sungai Long is borrowed from a mortgage firm. Rather of borrowing money from the bank, you might receive a lower interest rate through a mortgage broker.

AnyConv.com  Bandar Sungai Long556 1024x683 - An Effective Real Estate Solution for Your Bandar Sungai Long Apartment Needs

Loans from banks and other lenders

If you need to borrow more than 80% of the entire cost of the home, a bank loan may be employed. If you need to borrow more than 80%, you may take out an additional 15% loan. The minimum down payment required is 5% of the home’s purchase price, plus attorney fees, registration fees, and other costs.

If you want to buy a one-bedroom apartment for DKK 1 million, you’ll need to have at least DKK 50,000 in savings. After that, you may get a house loan for DKK 800,000 or a bank loan for DKK 150.000.

AnyConv.com  Bandar Sungai Long5 - An Effective Real Estate Solution for Your Bandar Sungai Long Apartment Needs

Loans with either a fixed or a variable interest rate

You may choose between fixed and variable interest rates when you apply for a home loan. If you get a fixed-rate loan, your monthly payments are guaranteed and your interest rate is locked in for the life of the loan. The interest rate on a variable loan may be lower, but you face the risk of it increasing and costing you more at various points in time.

Consider renting an apartment? Ask a real estate agent for a copy of the sales list. The apartment’s price, layout, and electricity, water, and heating availability are all described. You may also learn more about the homeowners’ association by visiting this page.

Expenses related to owning real estate

This benefit covers all of the current costs of living in the residence, including electricity, water, heating, and any debts. To provide just a few instances, this might include items like property taxes, property value taxes, and insurance.

a collection of property owners who meet together and provide money to the organisation on a regular basis: an owners’ association The homeowners’ association’s contribution is utilised for basic maintenance as well as major improvements like a new roof or downpipes. Proceed with care if your contribution to the homeowners’ association is low. There’s a good chance that major structural improvements will need spending a lot of money up front.

6e0a357b 93e2 486d b0b8 0535ea5cdc55 2060x1236 1 760x434 - Consider Gifting Adult Toys For Your Friends

Consider Gifting Adult Toys For Your Friends

For anyone seeking the ultimate gift for their bestie’s bachelorette party or just something extra special for the holidays this year, sex toys can seem like an excellent option, and for good reason. To begin with, it’s everything a perfect present should be, according to the experts: fun, thoughtful, and practical. It’s also the kind of gift from which you stand to gain if you give it to your spouse. It’s all about the hotter foreplay and more euphoric sex!

download 2021 09 07T183351.294 - Consider Gifting Adult Toys For Your Friends

On the other hand, it’s nice to know you like the notion of giving an explicit toy as a gift. Being convinced it’s a good idea is just one part of the equation. Are sex toys acceptable as gifts? Do you think so as well? Another question is if it’s a good idea to give one to someone who isn’t your partner. Learn about the top pick on vibrator sex toy in Malaysia you may give as gifts, as well as all you need to know to do it properly.

Is a Sex Toy Appropriate as a Gift?

First and foremost, you must decide whether or not giving a sex toy to the individual you have in mind is a decent idea. Before opting to give a sex toy as a present, think about the following factors.

The Person for Whom You’re Shopping

People are more willing to discussing a wide range of sexual issues these days, including the use of sex toys. Some of your closest friends and family members may have even had sexually explicit talks with you in the past! However, this does not imply that giving them a sex toy will be well received.

Gifting sex toys to a spouse, a partner, or a current sex partner is the greatest option. Keep toys away from someone you’re no longer in a relationship with or have had an affair with to avoid any discomfort. (No calls from ex-girlfriends or ex-boyfriends! Couples, long-term partners, and friends with benefits are all acceptable types of relationships. Even if you’re in a relationship and intend to take them to bed at some time, it’s usually advisable not to give them a toy.

Your Feelings and Gut Feelings

You can certainly buy a toy for a close friend or family member, especially when you discuss openly sexuality and masturbation. If you’re even the slightest bit unsure, go with your gut and trust your instincts. While sex toys can make great gifts for the right person or occasion, they can be unbearably embarrassing if given to the wrong person.

Now that you know who you can give a sex toy to, and how to pick one they’ll enjoy, you’re ready to start shopping. What about, though, the situation? In general, sensual presents, such as sex toys, work better for some occasions than others. For example, they should never be given as a gift on Mother’s Day or as a baby shower present. It’s best to avoid giving them as gifts on occasions where the recipient will have to open them in front of a large number of people unless it’s a bachelorette or wicked birthday party (especially family).

Sex toys, on the other hand, are perfect for romantic occasions like anniversaries and Valentine’s Day. As a bonus, they’re great for bachelorette parties and secret Santa gift exchanges between you and your significant other. If you’re going to be separated for an extended period of time, these make excellent parting gifts. Toys that can sync or be controlled remotely are very useful for this.

To put it another way, sex toys are a lot like any other creative present idea. Successful gift-giving relies on knowing your receiver well, selecting a gift that meets all of their preferences, and timing it just right so that it doesn’t cause any difficulty or shame on either side. I wish you luck with your shopping!

images 48 - Tips On Purchasing Baby Changing Tables

Tips On Purchasing Baby Changing Tables

Baby changing tables come in a variety of shapes and sizes. They differ not simply in terms of size but also in terms of what they can do. After that, we’ll go over the basics of each one. Then you’ll be able to make an informed decision about which one is right for you. Finding assistance at baby shops like mother care Malaysia will be a great help to new parents. Trying to navigate the waters of parenting might feel like an uphill battle at times. This is a frequent reaction among new parents. To keep your kid safe and comfortable, you must think about a lot of different things. Consider the type of baby changer you’ll require as one of these factors. Having no idea what kind of child care option will be most convenient is quite normal for first-time parents.

top 10 changing table baby nursery 2160x1200 1 - Tips On Purchasing Baby Changing Tables

Baby changing tables, as the name suggests, is used for diaper changes. Baby mattresses are standard on most changing tables for newborns. It’s usually made of soft material and may be washed in the machine. The properties of a changer can differ depending on the model.

Changer of fundamentals

This is the prior design that we discussed. You can use it to change your baby on any flat surface. Because it’s so small and light, its key selling point is portability. As a result, you can make use of it both at home and on the road. Now, you can find them in an array of hues and patterns. Some of them even have a scent to them. They are as thin as yoga mats and as soft as cloud cubes.

The replacement of a bathtub

As far as products go, this is one of the most comprehensive options available. It’s a piece of furniture with four legs that houses a bathtub on top and storage space on one or more shelves below. As previously said, the changer is made out of the bathtub’s lid. In addition, you have the flexibility to set it up and take it down as needed. Aside from the fact that it comes in a variety of styles and designs, this substitute also saves both money and space. The fact that it’s easy to wash makes it extremely hygienic. It comes in two variations: a regular type and a folding model. Finally, despite its simplicity, it is quite valuable due to its ease of storage.

Legs for the changer

Instead of a bathtub, this alternative is more like the first. It does, however, provide almost as many options. It’s a lot simpler to get from one location to another now. Basic changes are convenient because they can be taken anywhere. Since it’s portable, you can take it with you wherever you choose.”

a bag for storing diapers and other personal hygiene items

This is a fantastic idea for when you have to go away from home for a while. It’s just a regular bag. All of a mother’s baby’s things and clothing fit comfortably inside. It does, however, come equipped with a foldable changer. Everything you need will be in one convenient location. Since your kid is secure at home, you are free to depart. You’ll be ready for everything that comes your way.

Beyond their quality, changing tables aren’t better or worse. Everything has a time and place. As a result, knowing your options is critical when making a purchase.

Cheras South

Is it a smart idea to own a Cheras South property?

Purchasing a new apartment is a reasonably risk-free method to make a real estate investment. Particularly if you just use the home for your own needs and if you maintain it at a single location (otherwise you will have to deal with the aforementioned distribution problem). However, investing in a new apartment may result in a deceit as well as a profit. 

Because new apartments are such a popular purchase, a large number of them have been constructed in recent years, some of which are of questionable quality and location. Never fear, we’ve included some of the most important recommendations to assist you succeed in your hunt for a new home for your family and prevent a whole host of problems in the process in this article. Take a look at it and enjoy your reading time!

property - Is it a smart idea to own a Cheras South property?

Many vacation resorts have their own ‘stock’ of items available for rent

Then you may live in your home on your own; but, the park owner and your neighbors are not always willing to allow you to do so. There are many instances of how the development of parks and vacation homes has resulted in a decline in occupancy rates, which has resulted in the leasing of properties to migrant workers. The latter has unquestionably a detrimental impact on the value of your vacation property as well as the length of time it takes to sell it. It is critical to choose the right Cheras South corner home for sale in this situation.

What is the significance of liquidity in the world of real estate investing?

People who invest in real estate are often unaware of the liquidity of their investment – or, more accurately, the lack of liquidity of their investment. The stock market allows investors to exit the market the same day they notice a decline, while real estate does not provide this choice. In addition, investing in a real estate fund falls under this category. There is always a way out, but there are typically stringent criteria to meet. Recent years have seen numerous instances when a real estate fund has turned out to be less liquid than first believed to be the case.

What causes things to go wrong so often with real estate funds?

Real estate funds are driven primarily by a commercial imperative and are characterized by a lack of transparency in their operations. The lower limit of one hundred thousand euros is frequently used in order to avoid being observed by the authorities. The pricing structure is often opaque, and the expenditures are disproportionately high in comparison to the benefits. 

Numerous real estate funds are also over-leveraged, meaning that their debt levels are high and their reliance on banks is considerable. Conflicts of interest are also something we encounter on a daily basis, despite the fact that the fund should solely serve your interests. Another significant danger is a lack of diversity in one’s investments. The portfolio is overly skewed, and if things go wrong, they go wrong badly, and they will.

WELCOME TO KOZI