Dear Friend,

BACKGROUND:
I have done my Computer Engineering from Sir Syed University. Later I completed my MBA in Finance from CBM and right
now I m working in a management consulting firm as financial analyst.
I m planning to enrolled in CFA to get more details of finance. There are no two opinion on MBA + CFA. Its great but what I need
is advice on something different.

PROBLEM:
Most of the CFA pursue career in investment bank, consulting service & brokerage house. I am not interested in Banking & insurance sector
because of religious reason. Options are very limited for me because Islamic Banking accounts to only 3% in Pakistan ,no growth in consulting firms
Also I have no plan to relocate or move abroad.

QUESTION
• So keeping your view limited to Pakistan please suggest should I go for CFA?
• Do CFAs have an edge in MNCs or what are the growth opportunities?
• What should be the best option for me ,if not CFA?

Best Regards,

Abdul Moeed

而与打鼾者一起居住的人

，也希望能够为别人着想，提高自身素质，主动降低噪音以免影响他人休息。
打鼾的危害
　　1994年4月在北京召开的国际鼾症研讨会上，各国专家、学者把

打呼噜确定为“睡眠呼吸暂停综合症”，是病症，是症候群，与27种疾病有关。如何界定

呢？每停顿10秒以上为一次呼吸暂停。睡眠一小时，有5次以上大于10秒的停顿，或睡眠7小时中，大于10秒的停顿在30次左右，即为睡眠呼吸

暂停综合症。它对人体的危害极大，人的一生有1/3的时间是在睡眠中度过。正常人在睡眠时呼吸均匀，氧气摄入量满足身体各部位的需要。而

每晚7小时睡眠，呼吸暂停的人则有300-400秒处于无氧吸入状态，血氧浓度低于正常值约8-10%，这样夜复一夜，年复一年，支离破碎的睡眠，

使氧气摄入明显减少，身体各重要部位缺血缺氧，诱发各种严重疾病，如果脑细胞组织持续缺氧4-6分钟就会引起脑细胞的不可逆性死亡。53%

的患者脑血管意外发生在夜间睡眠时，近来研究表明打鼾与呼吸暂停是脑血管病一个独立的

发病诱因，是发病的主要原因之一。

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