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Are you running out of time? Certainly not! Wait a minute...if you are 42 years old and your child is merely a one year old infant, you are running out of time. If you are 49 years old and you have as yet own a shelter, you are running out of time. If you are 51 year old and yet saved some RM200,000 or more, you are running out of time. Any turn of events, like global petrol hike and food shortage, ill health and disability will lift you off the ground! Reduce spending and increase revenues are the only two answers.
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