關於 enterprise car sales ，我們在網路上蒐集到這些相關的討論、資訊與評價

10 tips beli rumah . jom ruang kan masa membaca . tak salah kita menambah ilmu . 😊

1. Pilih Loan Yang Betul
Pastikan loan pertama yang anak muda buat dengan bank adalah loan rumah. Bukan loan kereta. Ini adalah kerana loan kereta akan menyebabkan komitmen anak muda semakin tinggi dan kelayakan di pihak bank untuk beli rumah semakin berkurangan. (Kalau nak pakai kereta jugak, pastikan guna nama orang abang, kakak, atau ayah. Asalkan bukan nama kita. Nak senang lagi, mintak nak...
Continue Reading10 tips to buy a house. Let's space the time to read. It's not wrong for us to add knowledge. 😊

1. Choose The Right Loan
Ensure the first loan that young people do with the bank is a house loan. Not a car loan. This is because car loans will lead to young people's commitments getting higher and the qualifiers on the bank to buy houses are reducing. (If you want to use a car, make sure to use the name of your brother, sister, or father. As long as it's not our name. Want to be easy again, asking to continue paying their car)

2. Use Company Accounts As CashFlow
If young people do business, make sure that customers bank in to the company account. Not a personal account of young people. If the customer banks into a personal account, it will NOT be counted as INCOME. So, lose it there. If anyone missed it, transfer back to the company account with a note ′′ CASH SALES ". If you are eating your salary, and within the same time your own business, register the company. ENTERPRISE is enough.

3. Pay KWSP
If young people are doing their own business, make sure to set your salary for yourself and pay your own business. When applying for loan bank later, there will be 2 types of income of young people. That is income from business, and income from your own salary. For salary payment, use company check to pay. Avoid transfer online only. And make sure to make Payslip and cop together.

4. Don't Influence ASB Loan and Personal Loan
Don't be quick to take ASB Loan or Personal Loan. Because this type of Loan is always the factor that leads to our home bank rejected loans. If you want to take ASB Loan too, make sure that after passing your home loan, then take it once. For me, if you plan to buy a second property, don't take an ASB loan anymore. Because usually the bank will offer us after we pass our first home loan. (but it's different if your income is big, if just taking ASB Loan and monthly payments doesn't give a big effect on your DSR, it's okay.

5. Buy First Home For Investment
For the first home, make sure you buy for investment purposes. Why did I say that? Because if young people buy to sit by themselves, it will be a expenses for young people. It's different if young people buy it in cash. Investment is also divided into two. Either Cash Flow or Capital Gain. If young people choose to cash flow investment. It means young people rent the house to others. Ensure the rent given is nothing less than the bank's monthly payment. Another one is Capital Gain. This means, young people buy a house at a certain period, and when the value of the house increases, young people sell / flip the house and get profit from the sale. This way is called Capital Gain.

6. Don't Combine The Name Of Husband Wife When Buying
Avoid combine the name of husband and wife while buying a house. This is because, everyone is only eligible to get a 90 % loan for two houses only. If the 70th house, only get a loan for 70 %. This means, if you follow the rules, a couple of wives will be able to buy 4 houses. But if combine the name, it will be only 2 houses to get a loan of 90 %. So, you'll lose it. The right rule for a husband and wife is... Buy 4 houses, 1 to sit alone, and 3 more for rent. It's a profit from renting that house to pay monthly for the house that you sit. Isn't it like sitting like that?

7. Ensure CCRIS Records CLEAN
CCRIS record is a record from Bank Negara that collects our debts with financial institutions in Malaysia. To make it easier for you before you decide to make a home loan, make sure you check your own CCRIS record first. Later you'll see your debt list and next to your monthly payment list. If it's 0, it means your record is clean. You're a man of mind. If it's 1, this means there's 1 months out, then 2,3,4 and so on. The way to check is to go to the National Bank and use the machines provided. Or now can apply online only. I'll show you the other day.

8. Three Types Of Home You Need To Know
There are three types of homes you can buy.
FIRST - undercons house (meaning under construction). Usually undercons homes are suitable for people who plan on FLIPPING (Selling) when they're done. If you're looking for a house with discount 7%, then you just need to remove 3 % capital. If you can find a house that gets 10 % discount, then you don't need to withdraw the capital to pay deposit.
BOTH - House of subsale. (means the house is done and has someone else's name). For this type of subsale house, a very large capital is required. If the house is RM500, 000, then a deposit of RM50, 000 is required. Added again with legal fees, etc.
THIRD - Auction House. Among these three types, auction houses are at very high risk. But it's okay.. high risk, the return is high.. If winning auction bid is much cheaper than market price, you'll be lucky.. For auction types, you need to study in terms of market value, house state, neighborhood and others before committing to join the bid. If you ask me, I'd rather buy a UNDERCONS house. 😊

9. Buy Undercons Home
If you choose to buy a house under cons, then choose a big developer. Examples like SP Loyal, IJM Land, Sime Darby, Worldwide and others. The first reason why to choose this developer is less risk. Meaning, the risk for abandoned projects is very low. If you choose a developer with no name, the risk is very high because they may lack capital or have other problems and cause the project can be abandoned. We will lose too later.
Second reason, if a big developer, they usually provide many benefits to their property buyers. For example, 5 %- 10 %, free air conditioner, alarm system, vinyl floor and more. Additionally, big developers will usually provide plenty of facilities in a residential park that they are developing. Look at SP Loyal example. So lucky people buy a house in this nature. How many new facilities they get. For example, there are malls, mosques, banks, parks, and more.

10. Buy Following Skills
Buy a house according to ability. Don't follow the lust. Yerlah, sometimes we are affected by friends who buy big houses, we also want to buy a big house. Loan may be able to pass.. but when entering the monthly payment chapter, it's really burdening you. Monthly commitment is higher than the income you get. Last-last, outstanding! So, to avoid this happening, before deciding to buy any house, make sure you count first about your monthly income ability to pay the house later.

11. Extra Tips
It's normal if loan for the first house, the bank wants to see your CCRIS record. Depends on some banks too. If you have never made a loan with a bank, then your ccris record is empty. And banks can't judge how discipline you are on loan payment. So, if this problem happens to you, there are 2 ways you can do it.
FIRST, you apply credit card and use it. The way to use the correct credit card is, swipe during the day, and at night keep paying back the credit card. This is to prevent you from forgetting to pay.
, make personal loan in the lowest amout in Easy RHB. This way, the bank will see a track record that you are a good debt payer.Translated

The accelerating pace of digital transformation has raised consumer expectations to unprecedented levels, and is causing every organization to rethink how they engage with their customers. According to a recent survey by IDC¹, 72 percent of businesses reported that improving document processes would increase customer satisfaction, yet 80 percent of those processes still rely on paper. Companies focused on great experiences can no longer afford to be mired in document processes that are slow and inefficient. Their customers need and want a better way.

Adobe (Nasdaq:ADBE) today unveiled the first integration between Adobe Sign and Adobe Marketing Cloud, eliminating the cost and frustration of manual, paper-based process for enrollment, onboarding and servicing across the customer journey. Adobe Sign (formerly Document Cloud eSign services) features an upgraded and modernized mobile app experience, and works seamlessly with Adobe Experience Manager (AEM) Forms - a key part of Adobe Marketing Cloud - helping organizations to go completely digital with anything from credit card applications to government benefit forms or medical forms. And building on widespread adoption in Europe, Adobe is rolling out new data centers and meeting the most stringent legal requirements in the EU, part of a global expansion that will continue through 2016.

Adobe also announced new Document Cloud storage integrations with Box and Microsoft OneDrive, which make it easier to access and work on PDF files from anywhere, as well as new features for Adobe Acrobat DC subscribers, delivering on the promise of ongoing innovation and value through Document Cloud.

“Every company and organization should be laser-focused on delivering the best customer experience possible, and the best experience does not involve paper,” said Bryan Lamkin, executive vice president and general manager, Digital Media at Adobe. “Today we further strengthen the value that Adobe Document Cloud and Adobe Sign bring to our global customers as the only complete solution that transforms paper-based transactions into 100 percent digital workflows.”

“Talking to businesses and partners around Asia Pacific, I see a real sense of urgency around transforming customer experience by making it seamless, pain-free, and accessible across all devices and touchpoints,” said Michael Stoddart, Director of Digital Media, Adobe Asia Pacific. “In its annual predictions for 2016, IDC believes that by the end of the year, 60 percent of the top 1000 enterprises in APAC will have digital transformation (DX) at the center of their corporate strategy, with a majority even creating an independent position to oversee the DX strategy implementation. Adobe is working with businesses across the region to help them create points of differentiation by making their core processes more customer-centric.”

At the heart of Document Cloud is Acrobat DC, the world’s best PDF solution; Adobe Sign, the leading e-signature solution that allows anyone to electronically sign and send documents from any device; and powerful companion mobile apps. More than six billion digital and electronic signature transactions are processed through Document Cloud each year, including global businesses like AmerisourceBergen, The Royal Bank of Scotland and Verizon and businesses in Asia Pacific like Stratton, one of Australia’s largest car and asset finance brokers, which rely on Document Cloud and Adobe Sign for fast, secure and mobile e-signatures.

“At Royal Bank of Scotland, we put our customers’ experience first when rolling out new services to make their lives a little easier,” said Ankit Chhajer, Digital Lead – Customer Experience and Sales Innovation, Royal Bank of Scotland. “Building on our broad adoption of Adobe Marketing Cloud, we are now turning to Adobe Document Cloud and Adobe Sign to create an elegant, hassle free customer experience that rivals none other.”

“Electronic signatures have reduced paperwork turnaround time from days to minutes, helping sales consultants finalize financing quickly,” said Andrew Lawrence, Software Development Manager, stratton. “Technology has always been a way for us to set ourselves apart, and we expect the new integrations in Adobe Sign will offer critical business services that we can use to close deals faster.”

Introducing Powerful New Capabilities with Adobe Sign
Adobe Sign is the fast, easy, secure way to bring trusted e-signatures to every organization and department including HR, sales, IT, legal and procurement, to name a few. New functionality includes:

· Transforming digital experiences – The integration between Adobe Sign and Experience Manager Forms turns complex, form-based processes into simple, engaging, mobile-optimized digital experiences across the entire customer journey. This includes how a person discovers the right form that they need, fills it out easily and successfully on any device, electronically signs it, and gets status updates once it is submitted. Using the integration between Adobe Sign and Adobe Marketing Cloud, organizations can provide responsive, adaptive experiences, enable personalization to continually improve the user experience with Adobe Target, and analyze and optimize performance with Adobe Analytics. Government, financial services and healthcare are just a few of the industries that will benefit from this service.


· Furthering global e-signature and digital signature adoption – Building on widespread adoption in Europe, and as part of a global rollout, new data centers are now live in the EU. With a secure, standards-based approach, Adobe Sign meets the most stringent legal requirements so European organizations can go digital in compliance with eIDAS, the new EU signature regulation set to take effect in July 2016.


· Delivering enhanced mobile signing – Sending, tracking and managing documents on tablets and smartphones is now easier than ever with the Adobe Sign app for iOS and Android (formerly Adobe eSign Manager DC). An updated dashboard and improved send for signature workflow enable users to be even more productive on any device.


Rapidly Expanding Document Cloud Partner Ecosystem
Adobe is focused on enabling people to use Document Cloud with solutions they already use as part of their day-to-day work. Document Cloud already offers integrations with industry leaders like Apttus, Dropbox, Salesforce, Workday, and more. Adobe today is unveiling integrations with best-in-class cloud storage providers Box and Microsoft, along with new and expanded Adobe Sign integrations that span key business solutions and workflows.

· Box – New offerings integrate Acrobat DC, Acrobat Reader and Adobe Sign with Box to simplify document workflows, as well as e-signature processes for enterprises. Whether users start from Box or Adobe, with just a few clicks they will be able to view and edit PDFs without any downloading, and ensure that the latest version is automatically secured in Box. Additionally, users can open Box files directly in Adobe Sign to provide an electronic signature on important contracts and paperwork, centralizing all updates in Box and streamlining the approval process.


· Microsoft OneDrive – New integration with Acrobat DC, Acrobat Reader and Microsoft OneDrive allows organizations to access and work on PDF files stored in OneDrive directly from within the Adobe apps. With a few clicks in Acrobat on the desktop, users can view and work on PDF files stored in OneDrive while ensuring documents always remain synced. In addition, iOS users can access PDFs in OneDrive from the Acrobat Reader mobile app via the universal document picker, enabling them to work with PDF files anywhere.



· Salesforce – The latest release of Adobe Sign significantly improves a user’s experience. Expected to be available in beta in May 2016, the update features the enhanced Salesforce Lightning user experience across any device, plus support for customizing the app with the drag-and-drop interface of Salesforce Lightning Components—while also providing compelling new features like signing groups and hybrid signing order. SteelBrick, recently acquired by Salesforce, also has an existing integration with Adobe Sign for helping speed the Configure Price Quote (CPQ) process.



· Adobe Sign Ecosystem Momentum – Many new and updated integrations significantly expand the Adobe Sign ecosystem across common enterprise solutions—such as business process automation, contract lifecycle management and enterprise resource planning—and include Advanced Software Concepts (ASC), Buildium, McKesson Contract Manager, Namely, Oracle, SciQuest, SpringCM, and ThinkSmart.


Ongoing Innovation with Subscription to Acrobat DC
At the heart of Document Cloud, a subscription to Acrobat DC delivers instant access to new features and enhancements as soon as they’re available. Today, Adobe introduced:

· Updated tools for everyday use – Modernized commenting and annotation tools are now fully updated with an intuitive, touch-friendly interface that makes it easier than ever to give and get fast, clear feedback; a highlighter pen can now mark up scanned documents without the need for optical character recognition (OCR); and paper-to-digital workflows like scanning are now optimized to deliver the best results.



· Unrivaled accessibility – Adobe is adding critical menu and dialog updates to enhance the experience for users with visual impairments who rely on Acrobat DC to work with PDFs. The Home view and Save As options can now be read aloud by screen readers for greater accessibility.



· Streamlined deployment – Adobe team and enterprise customers can now deploy and update Acrobat DC with Creative Cloud apps using the Adobe Creative Cloud packager.


Pricing and Availability
· The new Adobe Sign capabilities are expected to be available to customers in May 2016. Find out more.

· The new Acrobat features will be automatically available to subscribers of Acrobat DC in May 2016. Find out more.

· The ability to add a Box account to Acrobat DC and Acrobat Reader on desktop is expected by the end of May 2016. The ability for Acrobat Reader mobile users on iPhone and iPad to select Box as their preferred cloud service from the iOS document picker is expected by the end of June 2016. Initial access to Acrobat DC and Adobe Sign from the Box website is expected by the end of May 2016, with deeper integration expected by Fall 2016.

· The ability to add a OneDrive account to Acrobat DC and Acrobat Reader on desktop, and the ability for Acrobat Reader mobile users on iPhone and iPad to select OneDrive as their preferred cloud storage provider from the iOS universal document picker, is expected by the end of June 2016.

¹IDC InfoBrief, sponsored by Adobe, Business Transformation Through Smarter Document Workflows, April 2016.

Helpful Links:
· Learn more about Adobe Sign

· Learn more about Adobe Sign and Experience Manager Forms for paperless onboarding

· Hear from Adobe EVP and GM Bryan Lamkin on meeting customer needs with Document Cloud

· Learn more about advancements in Document Cloud from Adobe VP of product management, Jon Perera

· Read the blog on e-signature advancements in Europe by Dan Puterbaugh, director and associate general counsel, Adobe

· Read the guest blog from Box

· Follow us on Adobe SEA Facebook page


About Adobe

Adobe is changing the world through digital experiences. For more information, visit www.adobe.com/sea.

凄いバイクがやってきた痛車　 ache car　カワサキ・KLX250　HONDA XR100 Motard　Kawasaki KLX250 motorcycle rider

Friends tour,

The wait is riders cafe MACH

A Japan's first ostrich food specialty store,
Riders cafe MACH Ⅲ
Mihara, Sakai-shi, Osaka ward north Amabe 469-6TEL & FAX072-361 ー 3171
http://www.h4.dion.ne.jp/~maltuha/index.html
The news of the shop holiday,
Most, most are performed by car, but, as for the first drawn character whom the next day becomes on Tuesday on a shop holiday, there are "2 dimensions" of so-called things to a motorcycle, the thing which performed it by bicycle every month. On the last day of the comic market, I can really see it stopping at the unpleasant parking lots before Kokusaitenjijo Station. In addition, the meeting of the ache car is held in all parts of Japan.

It is performed as a part of the fan activity, and the thing by the sales promotion activity by the maker is not included. In addition, it is often that a car and the normal decorated truck lapping bus which idols painted an actual person are not included in the category of the ache car. But there is the objection that there "are the only sales promotion activity of the maker and an invisible car" to be able to be elaborate.

The ache car is divided into 2 of the following greatly.

* I "make it an ache car"
At a level to the rank who can recognize an o above handle to be the car which an act, so-called "otaku" get into (an ache car watching that ),○○ styles which the reputation aim includes do not do of a deception.) This occupies most now.
* I "make it a run person style"
With "illegal race type motorcycle gangs" (a run person) and of the racing car or a thing making full use of sticker designs of スポコン, this case puts on the eye the stickers such as a work name or the maker logo, and a model does the design of a rally machine and the GT machine mainly, and o tends to rearrange it for the name of a character liking notation of the player name. The parody sticker becomes the one of the variations of the ache car, too. The ache cars that has begun to be infested with from around 2000 one of the roots (several of them still exist). In addition, the vehicle that a custom on the run side was performed so that "ache Dolly cars" pass as general tuning car in these enough is not rare. It is the minority, but there is considerably the thing which did it in a service car style as a similar thing when I compare it with this.


The evaluation from the world

* When I evaluate it as a kind of art
* When it is assumed that I am strange
* （In the above to Sara）When I hate it with bad taste
* When I become the object of the banter
* Oneself who attracts attention when I disappear in the general person does not do it, but is happy

などがあり is not same, but it is not avoided being seen with cold eyes by the world.

I cannot "allow for otaku to step on the sportscar" and have the ache car hunting that it is torn off innumerable damaged stickers on a body by the outlaws such as color gangs recently. In addition, the image of the enterprise which owned extremely does it about few existing later "ache bus" first when a base vehicle was an used car when is failed; and from the class of Basma near of the hatred is intended for.

友人同士がツーリング、

待ち合わせはライダーズカフェMACH

日本初のダチョウ料理専門店、
ライダーズカフェMACHⅢ
大阪府堺市美原区北余部４６９－６
ＴＥＬ＆ＦＡＸ０７２－３６１ー３１７１
http://www.h4.dion.ne.jp/~maltuha/index.html
店休日のお知らせ、
毎月第一火曜日その翌日が店休日になります

Friends tour,

The wait is riders cafe MACH

A Japan's first ostrich food specialty store,
Riders cafe MACH Ⅲ
Mihara, Sakai-shi, Osaka ward north Amabe 469-6TEL & FAX072-361 ー 3171
http://www.h4.dion.ne.jp/~maltuha/index.html
The news of the shop holiday,
Most, most are performed by car, but, as for the first drawn character whom the next day becomes on Tuesday on a shop holiday, there are "2 dimensions" of so-called things to a motorcycle, the thing which performed it by bicycle every month. On the last day of the comic market, I can really see it stopping at the unpleasant parking lots before Kokusaitenjijo Station. In addition, the meeting of the ache car is held in all parts of Japan.

It is performed as a part of the fan activity, and the thing by the sales promotion activity by the maker is not included. In addition, it is often that a car and the normal decorated truck lapping bus which idols painted an actual person are not included in the category of the ache car. But there is the objection that there "are the only sales promotion activity of the maker and an invisible car" to be able to be elaborate.

The ache car is divided into 2 of the following greatly.

* I "make it an ache car"
At a level to the rank who can recognize an o above handle to be the car which an act, so-called "otaku" get into (an ache car watching that ),○○ styles which the reputation aim includes do not do of a deception.) This occupies most now.
* I "make it a run person style"
With "illegal race type motorcycle gangs" (a run person) and of the racing car or a thing making full use of sticker designs of スポコン, this case puts on the eye the stickers such as a work name or the maker logo, and a model does the design of a rally machine and the GT machine mainly, and o tends to rearrange it for the name of a character liking notation of the player name. The parody sticker becomes the one of the variations of the ache car, too. The ache cars that has begun to be infested with from around 2000 one of the roots (several of them still exist). In addition, the vehicle that a custom on the run side was performed so that "ache Dolly cars" pass as general tuning car in these enough is not rare. It is the minority, but there is considerably the thing which did it in a service car style as a similar thing when I compare it with this.


The evaluation from the world

* When I evaluate it as a kind of art
* When it is assumed that I am strange
* （In the above to Sara）When I hate it with bad taste
* When I become the object of the banter
* Oneself who attracts attention when I disappear in the general person does not do it, but is happy

などがあり is not same, but it is not avoided being seen with cold eyes by the world.

I cannot "allow for otaku to step on the sportscar" and have the ache car hunting that it is torn off innumerable damaged stickers on a body by the outlaws such as color gangs recently. In addition, the image of the enterprise which owned extremely does it about few existing later "ache bus" first when a base vehicle was an used car when is failed; and from the class of Basma near of the hatred is intended for.

友人同士がツーリング、

待ち合わせはライダーズカフェMACH

日本初のダチョウ料理専門店、
ライダーズカフェMACHⅢ
大阪府堺市美原区北余部４６９－６
ＴＥＬ＆ＦＡＸ０７２－３６１ー３１７１
http://www.h4.dion.ne.jp/~maltuha/index.html
店休日のお知らせ、
毎月第一火曜日その翌日が店休日になります

Friends tour,

The wait is riders cafe MACH

A Japan's first ostrich food specialty store,
Riders cafe MACH Ⅲ
Mihara, Sakai-shi, Osaka ward north Amabe 469-6TEL & FAX072-361 ー 3171
http://www.h4.dion.ne.jp/~maltuha/index.html
The news of the shop holiday,
Most, most are performed by car, but, as for the first drawn character whom the next day becomes on Tuesday on a shop holiday, there are "2 dimensions" of so-called things to a motorcycle, the thing which performed it by bicycle every month. On the last day of the comic market, I can really see it stopping at the unpleasant parking lots before Kokusaitenjijo Station. In addition, the meeting of the ache car is held in all parts of Japan.

It is performed as a part of the fan activity, and the thing by the sales promotion activity by the maker is not included. In addition, it is often that a car and the normal decorated truck lapping bus which idols painted an actual person are not included in the category of the ache car. But there is the objection that there "are the only sales promotion activity of the maker and an invisible car" to be able to be elaborate.

The ache car is divided into 2 of the following greatly.

* I "make it an ache car"
At a level to the rank who can recognize an o above handle to be the car which an act, so-called "otaku" get into (an ache car watching that ),○○ styles which the reputation aim includes do not do of a deception.) This occupies most now.
* I "make it a run person style"
With "illegal race type motorcycle gangs" (a run person) and of the racing car or a thing making full use of sticker designs of スポコン, this case puts on the eye the stickers such as a work name or the maker logo, and a model does the design of a rally machine and the GT machine mainly, and o tends to rearrange it for the name of a character liking notation of the player name. The parody sticker becomes the one of the variations of the ache car, too. The ache cars that has begun to be infested with from around 2000 one of the roots (several of them still exist). In addition, the vehicle that a custom on the run side was performed so that "ache Dolly cars" pass as general tuning car in these enough is not rare. It is the minority, but there is considerably the thing which did it in a service car style as a similar thing when I compare it with this.


The evaluation from the world

* When I evaluate it as a kind of art
* When it is assumed that I am strange
* （In the above to Sara）When I hate it with bad taste
* When I become the object of the banter
* Oneself who attracts attention when I disappear in the general person does not do it, but is happy

などがあり is not same, but it is not avoided being seen with cold eyes by the world.

I cannot "allow for otaku to step on the sportscar" and have the ache car hunting that it is torn off innumerable damaged stickers on a body by the outlaws such as color gangs recently. In addition, the image of the enterprise which owned extremely does it about few existing later "ache bus" first when a base vehicle was an used car when is failed; and from the class of Basma near of the hatred is intended for.

友人同士がツーリング、

待ち合わせはライダーズカフェMACH

日本初のダチョウ料理専門店、
ライダーズカフェMACHⅢ
大阪府堺市美原区北余部４６９－６
ＴＥＬ＆ＦＡＸ０７２－３６１ー３１７１
http://www.h4.dion.ne.jp/~maltuha/index.html
店休日のお知らせ、
毎月第一火曜日その翌日が店休日になります