Hidup tenang walau berhutang

[postlink]http://kakivideo.blogspot.com/2009/10/hidup-tenang-walau-berhutang.html[/postlink]http://www.youtube.com/watch?v=q4hiDuiG05wendofvid
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Intisari ceramah Shamsuddin Abdul Kadir. Perlukan kad kredit? Perlukah berhutang?
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