Please solve by expert and make it quick as soon as possible

4. Covid-19 pandemic has struck the world in 2020. Most of the employees have been terminated due to the company is making big loss and unable to continue paying them for their services. One of unfortunate employee is Raymond. Raymond became a freelance programmer to continue sustaining his livelihood. His job scope is to develop and maintain database for client A. Client A already paid RM 5,000 for the 1st quarter of the overall one year project. Since his job requires him to use a powerful computer, Raymond decided to buy a new powerful computer. The price of the new powerful computer is RM 8,000. He has a saving of RM 8,000. His monthly commitment is RM 1,000 per month. After making a thorough thinking, there are several alternatives as in Table 4. Based on the table, choose wisely on which payment alternative is the best (include the cash flow diagram) and estimate how much saving that he could save after a year with the freelance job. Asume that the bank interest is 2% per year for saving account. [Pandemik Covid-19 telah melanda dunia pada tahun 2020. Kebanyakan pekerja telah diberhentikan kerja kerana syarikat mengalami kerugian besar dan tidak dapat meneruskan pembayaran perkhidmatan mereka. Salah seorang pekerja yang malang ialah Raymond. Raymond menjadi pengaturcara bebas untuk meneruskan kehidupannya. Skop tugasnya adalah untuk membangunkan dan menyelenggara pangkalan data untuk pelanggan A. Pelanggan A telah membayar RM 5,000 untuk suku pertama keseluruhan projek selama setahun. Memandangkan pekerjaannya memerlukan dia menggu ompu berkuasa tinggi Raymond memutuskan untuk membeli komputer berkuasa tinggi yang baru. Harga komputer berkuasatinggi yang baru adalah RM 8,000. Dia ada simpanan RM 8,000. Komitmen bulanannya adalah RM 1,000 sebulan. Selepas membuat pemikiran yang teliti, terdapat beberapa alternatif seperti dalam Jadual 4. Berdasarkan jadual, pilih dengan bijak alternatif pembayaran mana yang terbaik (termasuk gambar rajah aliran tunai) dan anggaran berapa banyak simpanan yang dia boleh simpan selepas setahun dengan pekerjaan bebas. Andaikan bahawa faedah bank adalah 2% setahun untuk akaun simpanan.) (10 Marks/ Markah) 3 SULIT (NMJ31603) Alternative 1 1. Use ALL his savings to pay for the computer. 2. No monthly commitment. Table 4 (Jadual 47 Alternative 2 1. Use Credit Card with 1% interest installment plan. 2. The installment period will be 12 months 3. A late payment charge interest of 1% will incur if pay later than credit card due date. Alternative 3 1. Use Buy Now Pay Later (BNPL). 2. The payment will be spilt into 9 months. 3. A late payment charge interest of 1% will incur if pay later than BNPL due date