關於 retail price index ，我們在網路上蒐集到這些相關的討論、資訊與評價

Glow getter, let's glow together!💫 An innovative solution for glowing and flawless skin by Cellnique

💙Hydra Boost Ceramides First Essence
Lightweight and non-greasy essence gives instant hydration and guards skin against dryness

💙MA 18
Speeds up skin renewal and corrects skin discoloration. This serum provide a youthful, clearer and radiant skin, gives a pleasant beauty experience

Easy steps for best skincare routine💦
Step 1: Cleanser
Step 2: Toner
Step 3: Hydra Boost Ceramides First Essence
Step 4: MA 18
Step 5: Serum / moisturizer

Directions
🌞Morning: Gently pat Hydra Boost Ceramides First Essence on the entire face after cleansing and toning
🌛Night: After applying Hydra Boost Ceramides First Essence, squeeze 2-3 drops of MA 18 onto the palm and apply it evenly on the face and neck until fully absorbed, followed by applying moisturizer

🔥Awesome Promo only for my followers!
Get the Cellnique Glow Getter at only RM38 (retail price is RM138) if you purchase at the link below: https://www.cellnique.my/cart/order/index

Every purchase come with
1) 1 box Cellnique Glow Getter
2) Attached with 1 pcs RM100 treatment discount & Free 1 pcs of Intensive Hydrating Silk Masque (NP: RM32) voucher
* Each customer valid to purchase 1 box only

For any enquiries, you may contact Cellnique customer careline at 0129207735

Limited combo with a special price for a limited time. Get yours now! Time to glow💖

#cellnique #glowgetter #letsglowtogether #ma18 #Hydraboostceramidesfirstessence #koreanglassskinformula #sfartography #rainbowpegasus #beautyblogger #malaysiablogger

🇬🇧 #倫敦大丈夫 🇬🇧 英國£££那些事

生活在倫敦，開銷非常大，最貴的莫過於房租和交通費，租屋除了房租水電費，已經在工作的租客還要繳房屋稅(council tax)，記得以前一位韓國同事無奈說過一句：「英國是個什麼都要錢的地方。」確實是這樣沒錯，但英國也是一個有很多省錢方法的國家，超市物價低廉，每天都有產品大特價，真的要節省的話，伙食費也是可以省下不少錢。這篇文章將圍繞著「錢」探討英國哪些你預期不到的花費，還有哪些你可以輕鬆省錢的方式。

🇬🇧 英國超市很便宜，訂價很奇葩

雖然說英國物價很高，但是超市裡有很多價格低廉的產品，有時低到令人懷疑產品的品質好壞。舉例來說，香蕉平均一根0.2鎊(8塊台幣)就買得到，要是去週末市集買，還有更低價的香蕉，花椰菜一球也大概0.5鎊(20塊台幣)，最可怕的是沐浴乳，有些一瓶只要1鎊(40塊台幣)，這種沐浴乳的價格真的讓人害怕這產品用到身上安全嗎？另外可樂500ml一瓶賣1.5鎊(60塊台幣)，1.5L賣1.95(78塊台幣)，但1.5L常態性特價只賣1鎊(40塊台幣)，所以可樂小瓶常常賣得比大瓶還貴，一開始看到常常懷疑自己看錯，在超市來回多次比對，才發現不必懷疑，這是真的。不過500ml可樂是超市裡面3鎊套餐meal deal的飲品之一，搭配三明治和洋芋片買也是可以很便宜的。

🇬🇧 英國到處都是折扣

英國有許多折扣、現金回饋網站和APP，這些折扣的存在都不稀奇，銀行跟電信公司的個人帳號也都有折扣，雖然說台灣信用卡有跟很多品牌或商家合作，許多紅利或現金回饋方案，英國銀行個人帳號的折扣則是很親民的民生店家，例如超市、咖啡店、餐廳，幾乎每天會去的商店優惠都有，進入銀行帳號APP，了解近期的折扣商家，點選後，只要用這家銀行卡消費，之後就會退現金到卡裡，而電信公司多半是和第三方折扣公司合作，下載使用，該電信用戶除了折扣，還三不五時可以免費兌換商品，像最近去機場就換了瓶水，輕鬆省下2鎊(80塊台幣)。很多公司津貼(perk)也是透過與提供津貼服務公司合作，員工可以使用津貼APP每個月免費兌換電影票和咖啡，以及各種服務和商品的折扣。

🇬🇧 英國手機資費很優惠

英國手機資費也是優惠多多，像我用的是3電信，一個月簡訊無限、通話200分鐘、網路流量30GB，一個月15鎊(600塊台幣)，一旦用超過流量加5鎊(200塊台幣)，網路馬上升級吃到飽。另外我朋友也是3電信，價格更划算，通話、簡訊通通無限，網路流量100GB，月費20鎊(800塊台幣)，網路流量非常夠用。很多電信還提供串流軟體(像netflix)跟社群媒體都吃到飽的方案。

🇬🇧 在英國網購優惠要看仔細

英國折扣方式百百種，兩件五鎊、三件十鎊、半價或更多的折扣，還有訂閱制，例如隱形眼鏡或者衛生紙，每個月定期寄到的服務，價格通常比較低。另外，還有下次買東西折抵多少錢的優惠，記住：「不要錢的最貴」，這種看似天下掉下來的錢好像很好，但其實有陷阱，知名美妝品或購票網站都有這樣做法，你一旦購物完畢點選這個優惠，你就傻傻地開始繳會員月費，你忽略了小字的描述，雖然你下次購物可以有現金折抵，但你已經同意加入會員，再加上你信用卡已經登錄在他們網站，他們就可以名正言順每個月從你銀行卡扣款。

🇬🇧 仔細看你的合約，英國每年可以合理漲價

我的租屋契約裡面就明載，物業管理公司每年可以合理漲房租，每年房租可以漲至少5%，第一年還仁慈，只漲3%，第二年就直接漲5%，其他英國房客收到漲價通知還在憤憤不平，說要聯合寫信抗議漲價，不過合約都寫得清清楚楚了，最後大家還是都乖乖繳房租。另外一個例子是手機合約，有朋友手機方案屆滿一年，就收到電信商通知，提醒他合約當初有寫每年可以審核月租費，按照零售價格指標RPI(Retail Price Index)，當時1月RPI是2.5%，告知5月份月租費就開始要漲2.5%，雖然不多，但每年這樣漲，跟複利算法一樣，幾年下來漲幅也是很可怕的。

講到錢，真的還有很多東西可以分享，會持續更新，先把上述五點謹記在心，在英國生活不吃虧又省錢，同時分享給朋友，讓他們也知道這些英國生活小撇步吧！

-

🍷 將我的專頁設為搶先看，才不會錯過分享！
🍷 Instagram: www.instagram.com/bonjour.jerry
🍷 website: https://bonjourjerry.com
🍷 上網搜尋🔍「歐洲大丈夫」可以找到我發表的文章
🍷 購買書籍【巴黎大丈夫：一個旅法男子的巴黎生活X文化觀察筆記】https://product.mchannles.com/2OKj3

_

"If you don't follow the stock market, you are missing some amazing drama."

[SIX REASONS WHY BURSA COMPOSITE INDEX WILL BREAK 2,000 BY END 2015 BY DR. NAZRI KHAN]

I am going to stick my neck out here and making a gutsy speculation that KLCI will break above 2,000 level, two years from now. Yes, seriously as early as December 2015.

While that might sound crazy (KLCI is still struggling with 1800 this week), let me humbly justify with SIX undisputable reasons why Bursa will hit 2,000 magic numbers.

REASON 1 : Subprime Crisis Is Over. Solid USA & European Economies.

The USA economy is in its best performance since the depths of the financial recession in 2008. Bloomberg consensus expect USA to post solid economic growth of more than 3% through 2016 and 6% unemployment rate by end 2014, the best rate in five years. The worst is also over for Europe. Europe especially the PIGS (Portugal, Ireland, Greece and Spain) had an extremely severe reaction to the 2008 financial panic due to sovereign debt but as last quarter 2013 their economies are no longer shrinking and in fact are making a modest incremental economic growth since 2008. Both the USA and Europe are Malaysia largest trading partner and represents important sources of demand for goods from every other region. Solid economic recovery in the USA and Europe suggest stronger exports, higher corporate earnings and of course higher Bursa price.

REASON 2 : Average KLCI Annual Gains Since 1977 Is 30%

Look and check this out on Bloomberg, KLCI has easily gained 135% since 2008 and a total of 2015% since 1977 (meaning average of 26% per year). So when you start to look at a 26% price gain per year, and you add in Bursa average of 4% dividends, you are talking about a 30% return average every years. 2000 magic numbers will only represent a cheap 5% gain for KLCI per year from here. Now don’t tell me KLCI hitting 2000 psycho level is a big deal.

REASON 3 : Improved External + Cheap Valuation = More Foreign Inflows.

Fundamentally speaking, the remarkable fact is that even after this incredible 2008-2013 run-up the FBMKLCI index is only selling at 15.5 times estimated 2014 earnings. Reasonable price, at least compared to the super glory time in 1990-1994 where KLCI valuation is 40 times! Remember, I haven’t talk about the foreign inflow which now stand at three years low. S&P 500 companies alone are sitting on USD3 trillion in cash equivalents. Assuming 1% of inflow will inject extra RM100bil per year into Bursa equity. And that could be another reason the market will continue to rise.

REASON 4 : Huge Untapped Liquidity. Millions Of Retailers Are Yet To Jump.

Secondly, only 0.4% of Malaysian are currently actively invested in the market (based on 100,000 active retail investors and 28 million Malaysian population as at Dec 2013). Headlines speak to the fact that as the market advanced, more money is moving back into equities. And that is true. And don’t forget, as at end last year, we have RM326 billion funds invested in unit trust which will plough back into Bursa Malaysia. So given this untapped liquidity, I can easily bet there appears to be an imminent euphoria here in the Malaysia market especially when KLCI broke above 1900 this year.

REASON 5 : Current Bull Is Still Young

2014 should be the sixth year of the bull run which started since 2009. Well, since 1977, the average duration of a Malaysian bull market is 9.8 years, and the average return is 275%. We should understand the bull momentum gradually became stronger as the bull market continued year after year, and normally grow exponentially in the last five years. This bull starting in October 2008 has not even matched that average. It is now only 5.5 years old running with a return of 135%. Meaning we have at least another 4.3 years (till July 2019) and further 140% upside to whack

REASON 6 : Retail Traders Are Roaring

Last but not least, I am impressed by looking at the tiger attitude of retail traders especially the younger ones. Out of nowhere, I see thousands of retail investors from colourful background (engineers, teachers, MLM product owners to idle housewives) fully embraced 2013 bull market, ignoring any threat from the hottest 2013 Malaysia general election and chasing stocks like there is no tomorrow. Trading gallery now is full to the brim and training seminar is packed like a world class soccer match. Buying into speculatively unknown and underperforming names such as Tiger, Palette, Nicorp, Ingenco, Winsun, AMedia & Luster. This strong retail trend should signal more good times to come. I just can’t wait for the last bull stage in 2019 where taxi drivers, mamak staller and even house maids to jump and buy Iris, Sumatec and KNM.

I Rest My Case.

xxxxx

Affin Long Term View : Runaway Bull 2015-2016, Euphoria Bull 2017-2018, Buying Climax & Next Crash 2019-2020

Long Term Strategy : Buy Any Local Bluechips Warrants OR Buy MSCI Malaysia ETF Long Term Options (EWM), Hold Five Years

Affin Low Risk Favourites (Watch For 5 Year Warrants If Available) :

TENAGA (Price RM11.85)
TM (Price RM5.55)
SKPETRO (Price RM4.51)
AIRPORTS (Price RM8.11)
BIMB (Price RM4.29)
TAKAFUL (Price RM10.26)
BURSA (Price RM7.79)
POS (Price RM5.55)
QL RESOURCES (Price RM2.98)
BRAHIM (Price RM2.30)

xxxxx

☆チャンネル登録はこちら↓
■SOSHI-Net
http://www.youtube.com/user/SOSHInetCH?sub_confirmaition=1

■この動画の字幕(翻訳)のご協力お願い致します。
→http://www.youtube.com/timedtext_video?ref=share&v=v0k39vcR9m0

■お仕事関連の依頼はuuum、もしくは下記アドレスまでお願い致します。
→[email protected]

■字幕の協力お願い致します。
http://www.youtube.com/timedtext_cs_panel?tab=2&c=UCaT6oewputLqYKxOKja1u9g

☆Twitter↓
https://twitter.com/soshi_muzic

☆Facebookページ↓
https://www.facebook.com/soshi.net.jp

☆instagram↓
https://instagram.com/SOSHI_MUZIC/

☆UUUM↓
http://www.uuum.jp

◆Music
・Dj Quads - Living in Stereo (Non-Copyrighted Music)
→https://www.youtube.com/watch?v=Wi1gXDk5MQk&list=PLbg97XOtpy3TJSvIwDsGqd_PhbMPlGvyf&index=13

・Dj Quads - I Got A Story (Non-Copyrighted Music)
→https://www.youtube.com/watch?v=q7tGKHHr2aU&list=PLbg97XOtpy3TJSvIwDsGqd_PhbMPlGvyf

・Hendersin - Light It Up [No Copyright Music]
→https://www.youtube.com/watch?v=AISR1GQMYS8&index=13&list=LLaT6oewputLqYKxOKja1u9g

◆エンディング
・Air Max - Single/CRD
→https://itunes.apple.com/jp/album/air-max-single/id1219776158?l=en

・CRD Twitter
→https://twitter.com/crd_command_s

・CRD Instagram
→https://www.instagram.com/crd_nsr/

・NOSHAME RECORDS Twitter
→https://twitter.com/noshame_records

------------------------------------------------------------------------------
楽曲提供：Production Music by http://www.epidemicsound.com
効果音提供元: 効果音ラボ
------------------------------------------------------------------------------

Sneaker:NIKE AIR YEEZY "Blink"
Style Code:366164-003
COLORWAY BLACK/BLACK
RETAIL PRICE:$250
RELEASE DATE:04/04/2009