Question 4 (a) Identify the most appropriate common money management mistakes for the cases below, with justifications and solutions: (i) Using credit cards for everyday expenses. (4 marks) (ii) Kelvin loves shopping and lives by the principle of you only live once. He is frequently uncontrolled spending on vacations, expensive dining, shoes, bags and accessories. (4 marks) (iii) Living with no emergency fund. (3 marks) (iv) Susan has no idea on what she has been spending. (4 marks) (b) Due to Covid-19 pandemic, Malaysia interest rate declines to a very low rate. Overnight Policy Rate (OPR) has been reduced four times this year by Bank Negara Malaysia. On the other hands, share market provides a lot of opportunities for the first three quarter of year 2020. As a unit trust agent, how would you convince investors to invest in unit trust? (10 marks) [Total: 25 marks]