Mr Derrick receives an active income of \(\text{RM}\,3\,000\) and passive income of \(\text{RM}\,1\,500\) in a month. Mr Derrick also has fixed expenses of \(\text{RM}\,1\,350\) and variable expenses of \(\text{RM}\,650\) in a month. Calculate Mr Derrick's monthly cash flow.

Identify short-term financial goals.

(A) Buying a bungalow

(B) Paying off credit card debt

(C) Savings for education

(D) None of the above

Jasmine wants to buy a set of sofa which cost RM4000. She aims to buy the sofa within 8 months. Jaemin needs to save RM500 from her monthly income of RM3500 to achieve her financial goals. Is Jasmine's financial goal is a SMART approach?

(A) Yes

(B) No

Cik Aufa works as a private school teacher. She earns an income of \(\,\text{RM}3\, 800\). She also gives tuition classes and earns an income of \(\,\text{RM}1\, 150\). Cik Aufa also rents out her house for \(\,\text{RM}800\) a month. She has fixed expenses of \(\,\text{RM}1\, 000\) and variable expenses of \(\,\text{RM}600\) in a month. Calculate Cik Aufa's monthly cash flow.