3 Aliran tunai penting dalam pengurusan kewangan peribadi. TPA E Cash flow is important in personal financial management. (a) Mengapakah kita harus mengekalkan aliran tunai positif? (b) Apakah mest we maintain a positive cash flow? What is the consequada aliran tunai negatif? Jawapan/Answer:

How much would you need to deposit in an account now in order to have \( \$ 3000 \) in the account in 15 years? Assume the account earns \( 5 \% \) interest compounded monthly.

Find the final hourly wage if a \( \$ 9.00 \) starting wage is increased by \( 4.5 \% \) each year for 8 years.

Question 28 In which one of the following scenarios would the person be ineligible or disqualified from being the director of a company in terms of the companies act? A. Clark Wentzel, a rehabilitated insolvent individual, has been appointed as the Managing Director of Wing It Transport (Pty) Ltd. B. The shareholders of Avocado Cutlery (Pty) Ltd have decided to appoint Avocado Cutlery (Pty) Ltd as one of its own directors. C. Gus Jung was released from prison 20 years ago and has been appointed as a director of Free- Your-Mind (Pty) Ltd. D. Stephany Spielberg is 18 years of age and has opened her own registered private company, of which she is the director.

"In addition, she said banks operating in Africa need to have a more end-to-end approach to risk management, considering bankability at all stages." As a followe up to Question 1 above and in addition to the solutions recommended in the anticle, recornmend how Southern African financial institutions can improve their risk management strategy.

"In addition, she said banks operating in Africa need to have a more end-to-end approach to risk management, considering bankability at all stages." As a follow up to Question 1 above and in addition to the solutions recommended in the article, recommend how Southern African financial institutions can improve their risk management strategy.