Tomorrow I will have interesting topic at CA. Talking about the solution. Talking about what to do in this economic scenario. I love this topic. I love making money and even love to spend. Well, money in your bank account is not yours until you use it. It might be for someone else.
Anyway, tomorrow is continuation of last week's topic. We are facing the economis woes, so, what next? In any problem we are facing, there must be solution. My presention, as always, will be very simple. In any situation, there are people who make money, who prosper and who have good life, so, why not us? Why not youand me?
A friend told me just last night, his focus is no longer about money, but how to help people. Not interested to make more money, enought from what he has now. Duit tak boleh bawak mati. A "friendly" smile for him. I listen this long ago, and still listen to this statement until now. It's either he is avoiding to the reality, lazy or don't know what he's talking about. It is not really money that matter, but what's next? What on earth that we don't really need money?
I told him to look around, what happen to "our people" in our own land? What happen to our "brothers and sisters" around the world (since he talk about race and religion)? What happen to so many graduates that left unemployed? What happen to families whose sole bread winner now out of job? And so much more to list down.
I understand he is more to charity job, but what actually he's doing? Looking around for contribution from others, from corporate, from individual. Then, what is that? Don't involve money? If money is not important, why looking for contribution? Ask for material thing, then, it not involve money? What a sickening excuses for being LAZY and avoiding!!
And he told me, he spend time with those people, being with them, love them, and care about them. Yea, a nobel thing to do. God bless you. When people are hungry, they need food. Of course people need love and care. But they also need food, cloths, shelters etc etc. All those thing need money. Imagine if he has lot of money, how much more he can contribute? He don't need to use all those money for himself. Use it for the charity. I told him, I'm also do what he is doing, but it never stop me from making more money and looking for more opportunity.
Then, I ask him what his plan for his life. What's next for him. Too bad, he had nothing to share because he never think that far. Hmm... such a nobel person, but had never plan for what he should do next. I'm not as good as him. I only think about myself, so selfish (as what he describe me, ha ha ha... yea, I'm agree with you man...), but at least, I know what I'm doing and where I'm heading to. I never stop making mistakes but I never stop learn from it and move on from there too.
Back to money and economic scenario stories, I told him, now is time to save, invest and create assets. His first reaction was, he don't have enough or big cash for it. See, how people so ignorant about cashflow and assets game nowdays. I don't ask him to buy assets, but to create assets.
So, I go on explaining to him about assets and liabilities, about invest, convert expense to investment, what is expenses and what is investment, about what type of cash outflow and inflow, what type of assets and so on. It's a good run up for my presentation tomorrow. So much idea coming from that "cool exchage of ideas", Alhamdulillah.
End of the day, I told him, he don't need to do like what I'm doing. This is just one of the thing we can do in this world. There are many more that we can do. I suggest him few thing, since he is not interested about making more money (I don't know where he learn we don't need to be rich and make more money). And I leave it to him. His life, his choice. He want to create something for this world, and he want to leave something. He do what he love to do, I continue with my life.
End of the conversation, I told him, life never stop here. I might not have much money now, just enough to survive, but I enjoy every moment of my life. I have great people around me, have great job and career, have great thing to do. I enjoy talking to people, enjoy seeing people moving up in their life and enjoy every sen of money that I have. More important, I'm not see people to ask for contribution, but to contribute, in anyway I can. I learn from anyone possible and I share with anyone who want to listen. People understand or not, totally not my problem. How could I make people understand? I can only share and improve my sharing.
I learn a lot from him, and I don't know what he learn from me. Not my problem anyway, ha ha ha.... He ask for some contribution and I ask him, the love that you give not enough? So, sacarstic I think. Well, hope he realize, that making money will not make us an evil. Nothing wrong with money. Just that, how we make it and how we spend it, that's what count.
Good luck to you, my friend. :-)
Monday, February 23, 2009
Friday, February 20, 2009
Selfish
Distinguish good selfishness from bad selfishness
You've heard of the "bait-and-switch" con? Well, guess what? This is the "scare-and-switch" con: "Selfish" has two entirely different meanings. One is: "taking advantage of people against their will." The other is: "taking care of yourself and your family first and foremost and to whatever degree YOU deem appropriate." Obviously, the latter is a virtue, and the former is a vice. But if you fail to distinguish between the meanings you're prey to being suckered by con artists of either the deliberate variety* or of the more common unwitting, unthinking "disease carrier" kind.
First they make you extremely fearful of ever being seen to take advantage of anyone unwilling, and then they twist it with the sneakiness of a magician and the cleverness of a lawyer to make you extremely fearful of ever being seen to take care of yourself and your family first.
Then, while trying to get you to accept the ridiculous notion that every kind of "selfishness," even just making money in the private sector (earning a living and growing a nest egg) is morally vicious,** they also try to get you to accept the even more absurd idea that the accumulating of political power by government employees and politicians is morally good. This is sold along with an implicit demand that their professed concern for "others" be accepted without question at face value, together with an implicit threat: "Don't you DARE point out that grasping for and accumulating political power definitely IS a kind of 'selfishness,' only this time of the vicious taking-unwilling-advantage kind!" ***
This is so important that it bears rephrasing: There are two different kinds of selfishness, the good kind and the bad kind. Keep them straight so you don't get suckered. Even more importantly, keep them straight so you can feel proud -- and not ashamed -- of taking care of yourself and your family.
Perhaps now you can appreciate how so many people can get caught up in the fashions of the moment, as popularized by today's politicians, journalists, entertainers and educators. And/or how people don't have (or don't use) enough of their logical, critical abilities or a world-view large enough in terms of both time and geography. If so, I encourage you to question authority, apply logic, and think for yourself from now on. Look at the forest, not the trees. And the centuries, not the months. Or you might risk being lead willingly, as a sheep, to the slaughter. And always remember, as Ayn Rand said with the piercing clarity of her insightful wisdom, "Every major horror of history was committed in the name of an altruistic motive." And here she said, "The meaning ascribed in popular usage to the word 'selfishness' is not merely wrong: it represents a devastating intellectual 'package-deal,' which is responsible, more than any other single factor, for the arrested moral development of mankind."
Further, now that you recognize the "scare-and-switch" con, I'm sure you won't fall for it any more. And for freedom's (and honesty's) sake, please don't use it.
www.fredomkeys.com
Good selfishness leads to self-expansion
The businessman who, by honest, wholesome, constructive actions looks after his own and his family's needs is engaged in good selfishness. Good selfishness causes a man to seek his own comfort, prosperity, and happiness by also making others more prosperous and happy.
Unlike evil selfishness, which isolates a person and shuts out the rest of humanity, good selfishness reaches out and brings everyone into the circle of brotherhood. Good selfishness yields many harvests—return services from others, self-expansion, happiness, divine sympathy.
To avoid the pitfalls of evil selfishness, a person should first establish himself in the good forms of selfishness, where he thinks of his family and those he serves, as part of himself. From that attainment, he can then advance to the practice of sacred selfishness (or unselfishness, as ordinary understanding would term it), where one sees the entire universe as oneself.
so much more in the in the internet
You've heard of the "bait-and-switch" con? Well, guess what? This is the "scare-and-switch" con: "Selfish" has two entirely different meanings. One is: "taking advantage of people against their will." The other is: "taking care of yourself and your family first and foremost and to whatever degree YOU deem appropriate." Obviously, the latter is a virtue, and the former is a vice. But if you fail to distinguish between the meanings you're prey to being suckered by con artists of either the deliberate variety* or of the more common unwitting, unthinking "disease carrier" kind.
First they make you extremely fearful of ever being seen to take advantage of anyone unwilling, and then they twist it with the sneakiness of a magician and the cleverness of a lawyer to make you extremely fearful of ever being seen to take care of yourself and your family first.
Then, while trying to get you to accept the ridiculous notion that every kind of "selfishness," even just making money in the private sector (earning a living and growing a nest egg) is morally vicious,** they also try to get you to accept the even more absurd idea that the accumulating of political power by government employees and politicians is morally good. This is sold along with an implicit demand that their professed concern for "others" be accepted without question at face value, together with an implicit threat: "Don't you DARE point out that grasping for and accumulating political power definitely IS a kind of 'selfishness,' only this time of the vicious taking-unwilling-advantage kind!" ***
This is so important that it bears rephrasing: There are two different kinds of selfishness, the good kind and the bad kind. Keep them straight so you don't get suckered. Even more importantly, keep them straight so you can feel proud -- and not ashamed -- of taking care of yourself and your family.
Perhaps now you can appreciate how so many people can get caught up in the fashions of the moment, as popularized by today's politicians, journalists, entertainers and educators. And/or how people don't have (or don't use) enough of their logical, critical abilities or a world-view large enough in terms of both time and geography. If so, I encourage you to question authority, apply logic, and think for yourself from now on. Look at the forest, not the trees. And the centuries, not the months. Or you might risk being lead willingly, as a sheep, to the slaughter. And always remember, as Ayn Rand said with the piercing clarity of her insightful wisdom, "Every major horror of history was committed in the name of an altruistic motive." And here she said, "The meaning ascribed in popular usage to the word 'selfishness' is not merely wrong: it represents a devastating intellectual 'package-deal,' which is responsible, more than any other single factor, for the arrested moral development of mankind."
Further, now that you recognize the "scare-and-switch" con, I'm sure you won't fall for it any more. And for freedom's (and honesty's) sake, please don't use it.
www.fredomkeys.com
Good selfishness leads to self-expansion
The businessman who, by honest, wholesome, constructive actions looks after his own and his family's needs is engaged in good selfishness. Good selfishness causes a man to seek his own comfort, prosperity, and happiness by also making others more prosperous and happy.
Unlike evil selfishness, which isolates a person and shuts out the rest of humanity, good selfishness reaches out and brings everyone into the circle of brotherhood. Good selfishness yields many harvests—return services from others, self-expansion, happiness, divine sympathy.
To avoid the pitfalls of evil selfishness, a person should first establish himself in the good forms of selfishness, where he thinks of his family and those he serves, as part of himself. From that attainment, he can then advance to the practice of sacred selfishness (or unselfishness, as ordinary understanding would term it), where one sees the entire universe as oneself.
so much more in the in the internet
Malaysiakini 20.02.2009 : Kita masih selesa?
80,000 pekerja diberhenti sementara
Feb 20, 09 9:11am
Seramai 80,000 pekerja di negara ini menghadapi pemberhentian kerja sementara sehingga hari ini, suatu peningkatan yang mendadak berbanding 45,000 yang dicatat pada akhir bulan lalu.
Menteri Sumber Manusia Datuk Dr S Subramaniam berkata jumlah pekerja yang diberhentikan sepenuhnya juga meningkat daripada 15,000 kepada 19,000 untuk tempoh sama.
Beliau berkata, jumlah yang tinggi bagi pemberhentian sementara itu adalah kerana ia terdiri daripada pelbagai kategori, lapor Bernama.
"Sesetengah mereka bekerja empat hari seminggu, sebelum ini, sesetengahnya bekerja 12 jam tetapi kini hanya lapan jam, semunya di bawah kategori pemberhentian sementara kerana mereka tidak ada pekerjaan sepenuhnya seperti yang diperoleh sebelum ini," katanya kepada pemberita selepas merasmikan Projek Memperkasa Wanita dan Beliawanis (2008-2011) di bawah Program Mendidik Kaum Wanita dan Gadis di Dengkil, semalam.
Exxonmobil menyumbang RM600,000 untuk program itu.
Dr Subramaniam berkata kebanyakan mereka yang terlibat adalah dalam sektor pembuatan, terutama pembuatan barangan elektrik dan elektronik di kawasan-kawasan industri di seluruh negara.
Bagaimanapun katanya kilang-kilang yang ditutup sepenuhnya masih rendah di mana setakat ini jumlahnya kurang daripada 20 buah.
Beliau berkata kementerian turut menyediakan pelbagai skim latihan dengan pembiayaan elaun sara hidup sebagai bantuan kepada mereka yang terlibat dengan pemberhentian itu, termasuk skim latihan perniagaan.
"Kita juga mempunyai skim yang memberi latihan kepada golongan yang majikannya mempunyai masalah, dan kita akan membiayai kos latihan dan apabila keadaan ekonomi kembali pulih, mereka boleh pulang ke majikan asal dengan gaji yang lebih tinggi," katanya.
Dr Subramaniam berkata kementerian diberi peruntukan RM220 juta untuk pelbagai program latihan.Kementerian juga akan menjalankan kempen besar-besaran di seluruh negara tidak lama lagi untuk memberi peluang kepada mereka yang menghadapi kesukaran mendapatkan peluang kerja yang kini berjumlah 19,000 orang
Feb 20, 09 9:11am
Seramai 80,000 pekerja di negara ini menghadapi pemberhentian kerja sementara sehingga hari ini, suatu peningkatan yang mendadak berbanding 45,000 yang dicatat pada akhir bulan lalu.
Menteri Sumber Manusia Datuk Dr S Subramaniam berkata jumlah pekerja yang diberhentikan sepenuhnya juga meningkat daripada 15,000 kepada 19,000 untuk tempoh sama.
Beliau berkata, jumlah yang tinggi bagi pemberhentian sementara itu adalah kerana ia terdiri daripada pelbagai kategori, lapor Bernama.
"Sesetengah mereka bekerja empat hari seminggu, sebelum ini, sesetengahnya bekerja 12 jam tetapi kini hanya lapan jam, semunya di bawah kategori pemberhentian sementara kerana mereka tidak ada pekerjaan sepenuhnya seperti yang diperoleh sebelum ini," katanya kepada pemberita selepas merasmikan Projek Memperkasa Wanita dan Beliawanis (2008-2011) di bawah Program Mendidik Kaum Wanita dan Gadis di Dengkil, semalam.
Exxonmobil menyumbang RM600,000 untuk program itu.
Dr Subramaniam berkata kebanyakan mereka yang terlibat adalah dalam sektor pembuatan, terutama pembuatan barangan elektrik dan elektronik di kawasan-kawasan industri di seluruh negara.
Bagaimanapun katanya kilang-kilang yang ditutup sepenuhnya masih rendah di mana setakat ini jumlahnya kurang daripada 20 buah.
Beliau berkata kementerian turut menyediakan pelbagai skim latihan dengan pembiayaan elaun sara hidup sebagai bantuan kepada mereka yang terlibat dengan pemberhentian itu, termasuk skim latihan perniagaan.
"Kita juga mempunyai skim yang memberi latihan kepada golongan yang majikannya mempunyai masalah, dan kita akan membiayai kos latihan dan apabila keadaan ekonomi kembali pulih, mereka boleh pulang ke majikan asal dengan gaji yang lebih tinggi," katanya.
Dr Subramaniam berkata kementerian diberi peruntukan RM220 juta untuk pelbagai program latihan.Kementerian juga akan menjalankan kempen besar-besaran di seluruh negara tidak lama lagi untuk memberi peluang kepada mereka yang menghadapi kesukaran mendapatkan peluang kerja yang kini berjumlah 19,000 orang
Thursday, February 19, 2009
Survey: Malaysians not saving enough : The Star 19.02.2009
KUALA LUMPUR: Malaysians are not saving enough and they are not prepared to face a financial meltdown should they lose their job or be retrenched.
According to the latest findings from Citi’s Financial Quotient (Fin-Q) 2008 survey, only two in five (39%) Malaysians actually save and less than one-in-three (28%) make and stick to a monthly budget.
Citibank Bhd head of segment and marketing, retail bank Timothy Johnson said the results from Malaysia show an average Fin-Q score of 51 points out of a possible 100 points, with 54% of Malaysians scoring 50 points and below.
A majority of Malaysians reported in the survey saved up to 20% of their monthly income - excluding the 11% in the Employees’ Provident Fund - and 12% said they do not save anything at all.
In the event of a job loss but with continued regular expenses, one-in-five indicated their savings would last for only four weeks.
On average, Malaysians reported having 11 weeks of savings in reserve, “Against the backdrop of the current challenging economic environment, these findings are quite worrying,” Johnson said in a briefing yesterday.
He said although the Fin-Q scores in seven of the 11 subject areas have shown improvement, it was not. “We believe that a lot more needs to be done to ensure Malaysians are truly financially savvy as the detailed survey results revealed that there is still room for improvement,” he added.
The Citi Fin-Q survey comprised 500 online interviews of 40 questions each, rolled out to determine the level of understanding among Malaysians about their personal finances and financial practices. The survey was conducted from Oct 15 -30.
Johnson said more Malaysians were taking an interest in their finances and the recent economic crisis had made saving for emergencies an important element for them.
According to the survey, 56% are somewhat better off now than they were a year ago. Nevertheless, 37% were worried about their financial future. While 86% of Malaysians attempt to follow a budget, less than one-in-three (28) actually stick to the budget.
The Fin-Q also revealed that 30% Malaysians indicated they would “know exactly” and 60% have a “good idea” what to do if they were given six months salary to invest. There was also a 6% increase in the number of Malaysians who have a formal retirement plan and 56% are confident or somewhat confident that their savings will lead to a comfortable life in retirement.
Asked how much would be needed for retirement, Johnson said it was very subjective. He said the answer required thorough thinking and planing as the amount of money you need in retirement had a direct correlation to the style of living you wish to have.
“If you want to retire in Bahamas, you will need a bigger amount compared to living in a house in suburban area,” he said, adding that to gauge the figure, one should look at the current expenses and estimate how they might at retirement.
Johnson also pointed out a fascinating finding in the survey. He said 35% Malaysians believed that money can buy happiness.
He said the Fin-Q was a snapshot of our current level of financial literacy and what we all need to do to better control our finances. Malaysians needed to be disciplined and have good financial management to ensure enough savings, he said.
“I believe Malaysians should provide additional focus on developing and enhancing their level of financial literacy, more so given the current challenging environment.”
According to the latest findings from Citi’s Financial Quotient (Fin-Q) 2008 survey, only two in five (39%) Malaysians actually save and less than one-in-three (28%) make and stick to a monthly budget.
Citibank Bhd head of segment and marketing, retail bank Timothy Johnson said the results from Malaysia show an average Fin-Q score of 51 points out of a possible 100 points, with 54% of Malaysians scoring 50 points and below.
A majority of Malaysians reported in the survey saved up to 20% of their monthly income - excluding the 11% in the Employees’ Provident Fund - and 12% said they do not save anything at all.
In the event of a job loss but with continued regular expenses, one-in-five indicated their savings would last for only four weeks.
On average, Malaysians reported having 11 weeks of savings in reserve, “Against the backdrop of the current challenging economic environment, these findings are quite worrying,” Johnson said in a briefing yesterday.
He said although the Fin-Q scores in seven of the 11 subject areas have shown improvement, it was not. “We believe that a lot more needs to be done to ensure Malaysians are truly financially savvy as the detailed survey results revealed that there is still room for improvement,” he added.
The Citi Fin-Q survey comprised 500 online interviews of 40 questions each, rolled out to determine the level of understanding among Malaysians about their personal finances and financial practices. The survey was conducted from Oct 15 -30.
Johnson said more Malaysians were taking an interest in their finances and the recent economic crisis had made saving for emergencies an important element for them.
According to the survey, 56% are somewhat better off now than they were a year ago. Nevertheless, 37% were worried about their financial future. While 86% of Malaysians attempt to follow a budget, less than one-in-three (28) actually stick to the budget.
The Fin-Q also revealed that 30% Malaysians indicated they would “know exactly” and 60% have a “good idea” what to do if they were given six months salary to invest. There was also a 6% increase in the number of Malaysians who have a formal retirement plan and 56% are confident or somewhat confident that their savings will lead to a comfortable life in retirement.
Asked how much would be needed for retirement, Johnson said it was very subjective. He said the answer required thorough thinking and planing as the amount of money you need in retirement had a direct correlation to the style of living you wish to have.
“If you want to retire in Bahamas, you will need a bigger amount compared to living in a house in suburban area,” he said, adding that to gauge the figure, one should look at the current expenses and estimate how they might at retirement.
Johnson also pointed out a fascinating finding in the survey. He said 35% Malaysians believed that money can buy happiness.
He said the Fin-Q was a snapshot of our current level of financial literacy and what we all need to do to better control our finances. Malaysians needed to be disciplined and have good financial management to ensure enough savings, he said.
“I believe Malaysians should provide additional focus on developing and enhancing their level of financial literacy, more so given the current challenging environment.”
Wednesday, February 18, 2009
More money? hmmm...
To some people, getting RM 1 million is not difficult. Just one "jump", some people can make it more then that. To a professional sportsman, one race can earn him more then 1 million. To a super popular speaker, 1 hour lecture can give him more than 7 figure income. But to majority of people, getting 1 million is " something very difficult". That's why, to many, being a millionaire is something that they are looking for and dream for. Even not all want to be a millionanire, but by being one, is something that can give good feeling to many, even not to all.
Someone told me, being a millionaire nevr in his mind. He never work for money, and never want to be a millionaire. His life is just to serve the people, to contribute and to give. He really has noble purpose in life and very good intntion. When i provoke him with what money can buy, he counter ith what money cannot buy. And later yesterday, he get his very good lesson. When his company did not pay his salry for the last 3 months, he is now looking for job and curse his management as "lintah darat". The top management still enjoying their life and told their staff to "bersabar seketika sehingga syarikat mendapat semula semua hutang-hutaang dari pelanggan".
He learn about nothing wrong to make more money and to get money from variuos sources. Most important he learn about being honest when talking about money. Memang duit tak boleh bawak mati, tapi nak uruskan orang mati pun perlukan duit!
Then, i share with him my vision 2020, why i want to make more money. It's good to have more money as long as it's all halal and berkat. Look at "our" people out there. how much they earn? How many people trade their "akidah" with money? How many people being "slave" to other people just because of money? How many people sell their body just for few ringgit? And the list go on and on and on...
Now, think about this - if you have RM 1,000,000, what are going to do with that money? If you don't know how to use it, or you think you don't want that money, let me know. I can give you my bank account and you can transfer that money to me. Possible? ha ha ha ha........ i bet to my last sen!!
Someone told me, being a millionaire nevr in his mind. He never work for money, and never want to be a millionaire. His life is just to serve the people, to contribute and to give. He really has noble purpose in life and very good intntion. When i provoke him with what money can buy, he counter ith what money cannot buy. And later yesterday, he get his very good lesson. When his company did not pay his salry for the last 3 months, he is now looking for job and curse his management as "lintah darat". The top management still enjoying their life and told their staff to "bersabar seketika sehingga syarikat mendapat semula semua hutang-hutaang dari pelanggan".
He learn about nothing wrong to make more money and to get money from variuos sources. Most important he learn about being honest when talking about money. Memang duit tak boleh bawak mati, tapi nak uruskan orang mati pun perlukan duit!
Then, i share with him my vision 2020, why i want to make more money. It's good to have more money as long as it's all halal and berkat. Look at "our" people out there. how much they earn? How many people trade their "akidah" with money? How many people being "slave" to other people just because of money? How many people sell their body just for few ringgit? And the list go on and on and on...
Now, think about this - if you have RM 1,000,000, what are going to do with that money? If you don't know how to use it, or you think you don't want that money, let me know. I can give you my bank account and you can transfer that money to me. Possible? ha ha ha ha........ i bet to my last sen!!
Monday, February 16, 2009
some info for next project
Some info for next project.
STATISTIK
Daripada sejumlah 4.1273 juta tenaga kerja bumiputera, hanya 2.3% dalam kumpulan pentadbiran dan pengurusan dan 12.4% dalam kumpulan perofesional dan teknikal. Yang besarnya ialah dalam kumpulan pekerja pengeluaran (29.1%), pekerja pertanian (23.9%), perkerja perkhidmatan (12.4%) dan perkeranian (12.2%). Ini diperkuatkan lagi oleh perangkaan golongan profesional bumiputera yang berdaftar (akauntan, arkitek, doktor, doktor gigi, doktor haiwan, jurutera, juruukur dan peguam) yang masih kecil (lihat Jadual 6) iaitu sekitar 33% berbanding 67% bangsa-bangsa lain (yang mana Cina 52.4%).
Agihan Kekayaan
Menggunakan “ownership of share capital at par value of limited companies” sebagai pengukur, kekayaan negara milik bumiputera masih kecil, hanya sebanyak 19% (lihat jadual 7) milik individu dan institusi bumiputera dan 2% lagi milik agensi amanah. Milik bukan bumiputera ialah 43%. Ini memperlihatkan jurang masih besar dalam agihan kekayaan antara kaum.
Walaupun tidak ada perangkaan, adalah dirasakan jurang perbezaan kekayaan intra-bumiputera adalah lebar kerana dari segi pelaksanaan jelas dapat dilihat bahawa ada tendensi ke arah mewujudkan segolongan “kecil orang kaya bumiputera.”
Ketidakstabilan Ekonomi
Di kemuncak segala ini ialah tanda ketidakstabilan ekonomi. Dengan perubahan struktur ekonomi dari dominan pertanian kepada dominan perindustrian dan dengan mempelbagaikan barangan eksport, diharapkan keterdedahan ekonomi kepada turun-naik harga dan permintaan antarabangsa akan dapat diminimumkan. Ini adalah kerana harga barang industri dikatakan lebih stabil berbanding harga barangan pertanian.
Namun, ini tidak berlaku. Dahulu, ketika ekonomi dikuasai sektor pertanian, ekonomi negara amat terdedah kepada turun-naik harga pertanian yang begitu ganas sehingga Malaysia mendapati sukar untuk mengemudi dan mengurus ekonominya sendiri. Kini, setelah ekonomi dikuasai sektor perindustrian, keadaan masih tetap tidak berubah ekonomi negara masih terdedah kepada keganasan turun-naik harga dan permintaan antarabangsa.
Misalnya, berlaku ketidakseimbangan dalam akaun luar negara dengan defisit perkhidmatan yang kronik. Krisis matawang dan pasaran saham yang melanda yang mana telah menjerumuskan ekonomi ke kancah kegwatan ekonomi yang paling teruk dalam sejarah negara adalah bukti yang menunjukkan asas ekonomi kita masih rapuh.
Adalah dijangkakan prestasi dasar agihan mungkin terjejas oleh kegawatan ekonomi. Lagipun, memandangkan usaha hari ini dan dalam tempoh 2-3 tahun yang akan datang akan ditumpukan kepada pemulihan ekonomi, tanda-tanda sudah kelihatan bahawa polisi agihan akan dikesampingkan
more info:
http://temanteras.wordpress.com/statistik/
STATISTIK
Daripada sejumlah 4.1273 juta tenaga kerja bumiputera, hanya 2.3% dalam kumpulan pentadbiran dan pengurusan dan 12.4% dalam kumpulan perofesional dan teknikal. Yang besarnya ialah dalam kumpulan pekerja pengeluaran (29.1%), pekerja pertanian (23.9%), perkerja perkhidmatan (12.4%) dan perkeranian (12.2%). Ini diperkuatkan lagi oleh perangkaan golongan profesional bumiputera yang berdaftar (akauntan, arkitek, doktor, doktor gigi, doktor haiwan, jurutera, juruukur dan peguam) yang masih kecil (lihat Jadual 6) iaitu sekitar 33% berbanding 67% bangsa-bangsa lain (yang mana Cina 52.4%).
Agihan Kekayaan
Menggunakan “ownership of share capital at par value of limited companies” sebagai pengukur, kekayaan negara milik bumiputera masih kecil, hanya sebanyak 19% (lihat jadual 7) milik individu dan institusi bumiputera dan 2% lagi milik agensi amanah. Milik bukan bumiputera ialah 43%. Ini memperlihatkan jurang masih besar dalam agihan kekayaan antara kaum.
Walaupun tidak ada perangkaan, adalah dirasakan jurang perbezaan kekayaan intra-bumiputera adalah lebar kerana dari segi pelaksanaan jelas dapat dilihat bahawa ada tendensi ke arah mewujudkan segolongan “kecil orang kaya bumiputera.”
Ketidakstabilan Ekonomi
Di kemuncak segala ini ialah tanda ketidakstabilan ekonomi. Dengan perubahan struktur ekonomi dari dominan pertanian kepada dominan perindustrian dan dengan mempelbagaikan barangan eksport, diharapkan keterdedahan ekonomi kepada turun-naik harga dan permintaan antarabangsa akan dapat diminimumkan. Ini adalah kerana harga barang industri dikatakan lebih stabil berbanding harga barangan pertanian.
Namun, ini tidak berlaku. Dahulu, ketika ekonomi dikuasai sektor pertanian, ekonomi negara amat terdedah kepada turun-naik harga pertanian yang begitu ganas sehingga Malaysia mendapati sukar untuk mengemudi dan mengurus ekonominya sendiri. Kini, setelah ekonomi dikuasai sektor perindustrian, keadaan masih tetap tidak berubah ekonomi negara masih terdedah kepada keganasan turun-naik harga dan permintaan antarabangsa.
Misalnya, berlaku ketidakseimbangan dalam akaun luar negara dengan defisit perkhidmatan yang kronik. Krisis matawang dan pasaran saham yang melanda yang mana telah menjerumuskan ekonomi ke kancah kegwatan ekonomi yang paling teruk dalam sejarah negara adalah bukti yang menunjukkan asas ekonomi kita masih rapuh.
Adalah dijangkakan prestasi dasar agihan mungkin terjejas oleh kegawatan ekonomi. Lagipun, memandangkan usaha hari ini dan dalam tempoh 2-3 tahun yang akan datang akan ditumpukan kepada pemulihan ekonomi, tanda-tanda sudah kelihatan bahawa polisi agihan akan dikesampingkan
more info:
http://temanteras.wordpress.com/statistik/
Open your eyes and see the potential!!
You see what I see? No more excuses, stories, justifications, avoiding, if really want to make a real different.
Malaysia
Population: 25,274,132 (July 2008 est.)
Age structure:
0-14 years: 31.8% (male 4,135,013/female 3,898,761)
15-64 years: 63.3% (male 8,026,755/female 7,965,332)
65 years and over: 4.9% (male 548,970/female 699,302)
Birth rate: 22.44 births/1,000 population (2008 est.)
Death rate: 5.02 deaths/1,000 population (2008 est.)
Life expectancy at birth:
total population: 73.03 years
male: 70.32 years
female: 75.94 years (2008 est.)
Ethnic groups:
Malay 50.4%,
Chinese 23.7%,
indigenous 11%,
Indian 7.1%,
others 7.8%
Religions:
Muslim 60.4%,
Buddhist 19.2%,
Christian 9.1%,
Hindu 6.3%,
Confucianism, Taoism, other traditional Chinese religions 2.6%,
other or unknown 1.5%,
none 0.8%
GDP (purchasing power parity): $397.5 billion (2008 est.)
GDP (official exchange rate): $214.7 billion (2008 est.)
GDP - real growth rate: 5.5% (2008 est.)
GDP - per capita (PPP): $15,700 (2008 est.)
GDP - composition by sector: agriculture: 9.7% industry: 44.6% services: 45.7% (2008 est.)
Labor force: 11.2 million (2008 est.)
Labor force - by occupation: agriculture: 13% industry: 36% services: 51% (2005 est.)
Unemployment rate: 3.7% (2008 est.)
Population below poverty line: 5.1% (2002 est.)
Inflation rate (consumer prices): 5.8% note: approximately 30% of goods are price-controlled
Telephones - main lines in use: 4.35 million (2007)
Telephones - mobile cellular: 23.347 million (2007)
Internet users: 15.868 million (2007)
Malaysia
Population: 25,274,132 (July 2008 est.)
Age structure:
0-14 years: 31.8% (male 4,135,013/female 3,898,761)
15-64 years: 63.3% (male 8,026,755/female 7,965,332)
65 years and over: 4.9% (male 548,970/female 699,302)
Birth rate: 22.44 births/1,000 population (2008 est.)
Death rate: 5.02 deaths/1,000 population (2008 est.)
Life expectancy at birth:
total population: 73.03 years
male: 70.32 years
female: 75.94 years (2008 est.)
Ethnic groups:
Malay 50.4%,
Chinese 23.7%,
indigenous 11%,
Indian 7.1%,
others 7.8%
Religions:
Muslim 60.4%,
Buddhist 19.2%,
Christian 9.1%,
Hindu 6.3%,
Confucianism, Taoism, other traditional Chinese religions 2.6%,
other or unknown 1.5%,
none 0.8%
GDP (purchasing power parity): $397.5 billion (2008 est.)
GDP (official exchange rate): $214.7 billion (2008 est.)
GDP - real growth rate: 5.5% (2008 est.)
GDP - per capita (PPP): $15,700 (2008 est.)
GDP - composition by sector: agriculture: 9.7% industry: 44.6% services: 45.7% (2008 est.)
Labor force: 11.2 million (2008 est.)
Labor force - by occupation: agriculture: 13% industry: 36% services: 51% (2005 est.)
Unemployment rate: 3.7% (2008 est.)
Population below poverty line: 5.1% (2002 est.)
Inflation rate (consumer prices): 5.8% note: approximately 30% of goods are price-controlled
Telephones - main lines in use: 4.35 million (2007)
Telephones - mobile cellular: 23.347 million (2007)
Internet users: 15.868 million (2007)
Wednesday, February 11, 2009
Next project, anyone?
Projek yang sedang berjalan, dengan izin Allah, mula menampakkan jalan yang makin bercahaya, mula nampak arah yang makin jelas, mula nampak banyak tapak-tapak mula menjejak. Begitu pantas jika Allah izinkan, dan begitu sukar rasanya, jika Allah belum "luluskan". Tugas manusia terus berusaha, terus berjalan dan terus mencari. Ganjaran atas usaha, bukan hasil. Itulah hebatnya Yang Maha Pengasih, berbanding manusia yang memberi ganjaran atas hasil, bukan usaha. Lantas, manusia membuka ruang untuk "niat menghalalkan cara".
Bukan untuk terlalu gopoh atas apa yang baru berputik, tapi rasanya benda yang baik tidak perlu ditunggu lama. Modus operandinya tetap sama, cuma mungkin kali ini, jalan ini perlu lebih berhati-hati. Tentu ada lubang dan jalan tidak rata dihadapan, tapi lubang yang telah ada, turun naik yang telah ada, tinggi rendah yang telah ada, kenapa perlu diulang siar?
Yang telah sedia ada ini, mungkin elok mereka dengan jalan yang mereka telah pilih. Doakan saja mereka berjaya, dan teruskan dengan usaha yang ada. Projek baru ini lebih seronok, lebih mencabar, lebih banyak "roller coaster" nya. Mungkin teamnya perlu yang baru, yang ingin sekali hidup dengan roller coster ini. Impian ini telah lama terpendam, mungkin ini masanya untuk memulakan langkah ini.
Soalnya, siapa yang akan berada digaris mula. Yang dulu, biarkan mereka dengan kisah mereka dahulu. Yang ini, perlu ada yang ingin melihat dunia ini dengan lebih luas, yang kerjanya lebih banyak dari cakapnya, yang fikirnya hanya untuk melihat kejayaan, yang hatinya keras bila berhadapan cabaran, tapi lembut bila berhadapan ketentuan Tuhan. Menarik sekali projek ini, lebih menarik dari apa yang telah ada.
Ini baru langkah mula, baru nak menuju garis permulaan, belum pun lagi bermula, makanya, "blue print" itu perlu disiapkan dulu. Yang dulu perlu dikemaskan lagi. Supaya nanti, yang berputik itu, terus menguntum segar, yang baru nak membenih ini, terus hidup membesar. Tak perlu ramai, tapi perlu yang jelas apa yang dicari.
Kali ini bukan lagi LRC atau LEC yang menjadi taruhan, bukan juga LRS atau program 3 bulan. Kali ini, untuk apa hidup ini, siapa diri ini, kemana langkah ini, dengan siapa perlu berlari bersama, untuk apa semua ini... Ada lebih banyak soalan perlu dijawap. Kontroversinya mungkin makin bertambah, tapi siapalah aku tanpa kontroversi? Makin banyak hati yang mungkin terluka, tapi siapalah aku kalau tiada yang terluka? Makin banyak masa untuk bekerja berbanding masa untuk tidur, tapi siapalah aku kalau tidurnya lebih.
Semalam ada yang bertanya team untuk apa? Dia dah terkeluar dari team yang sedia ada, mungkin ada baiknya dia masuk kesini? Mungkin juga, itupun kalau dia mampu melihat dunia ini dengan lebih besar dan lebih terang. Kalau hidupnya masih begitu, mungkin dia perlu lebih bersedia, kerana projek ini, menuntut pengorbanan yang jauh lebih besar. Ini bukan soal kroni, atau keluarga, atau manusia penting dalam perjalanan singkat ini. Ini soal kemanusiaan, soal perjuangan memartabatkan nilai yang baik, soal mencari erti hidup yang lebih besar. Kalau setiap ketikanya hanya melihat yang kecil-kecil, klau hidup tak boleh diteruskan tanpa dia disisi, kalau asap menjadi teman dikal sunyi, mungkin mereka masih ada ruang untuk diperhalusi, apakah mereka bersedia untuk menjuarai perjalanan ini.
Masa makin singkat untuk terus berilusi. Yang ini perlu diteruskan juga, insyaALlah. Kali ini, tentu hidup lebih menaraik :-) Anyone?
Tuesday, February 10, 2009
No more privacy........
Well........ when some think he so smart and "care" too much about another person, then, he start to "rasa-rasa" so many thing, including something that he don't even know what he's talking about. What the FUCK had happen to this bangsat crazy man? He make someone sick most of the time and now he want to kill that person? He do that, I'll sure teach him the lesson he deserve!!
What the fuck he do all this while? He had nobody else in this world to look after? He has nothing to do in this world? How many time this fucking crazy guy has create confusion? Create uneasy and create havoc? And he think he so smart? Go to hell!!
Well, dealing with crazy fucking man like this, we might be like him one day, so, the door is there, never lock.
What the fuck he do all this while? He had nobody else in this world to look after? He has nothing to do in this world? How many time this fucking crazy guy has create confusion? Create uneasy and create havoc? And he think he so smart? Go to hell!!
Well, dealing with crazy fucking man like this, we might be like him one day, so, the door is there, never lock.
is it wrong asking people about their goal?
Today, or may be at this point of time, I feel stupid, just because i'm asking people about their goal. I understand what people try to tell me. Anyway, let it be. Their right anyway. I'm not the person who read a lot like them, or who have such intelectual people in thier list of friends. So, i'm asking questions, what successful people asking me. Then they said it just an idiot. I told them, this is message that i got from one respected person, but they did not get the whole story. So that, I was just an idiot, not worth to follow.
Tak pe lah, mereka dah pandai, dah senang, dah banyak ilmu, dah banyak duit. Aku masih perlu hidup cara aku, perlu cari rezeki untuk sara keluarga dan perlu cari lebih banyak amalan baik untuk membayar segala kesilapan masa lampau.
Aku tak boleh nak menyerah pada emosi, tak boleh mengundur kebelakang, walau pun ada kalanya, orang yang aku harapkan menjadi sebahagian dari pasukan ini, orang pertama yang aku tulis namanya untuk berada dalam team ini, yang memperlakukan seperti ini. Tak pe lah, mungkin aku belum cukup bagus dan belum cukup layak untuk memimpin orang-orang bijak seperti mereka.
Mungkin Allah telah menetapkan aku cuma sesuai untuk mereka yang hanya punya sedikit kelayakan akademik, dan sedikit ilmu kemanusiaan. Tak mengapalah, aku bukan dilahirkan untuk merintih, tidak juga untuk merayu, tidak juga untuk tewas pada emosi sendiri, tidak juga untuk meletakkan masa hadapan aku pada tangan orang lain.
Kalau mereka lebih sesuai cara mereka, aku mohon semoga Allah memberi mereka pertolongan untuk terus maju kehadapan, dan aku akan terus melangkah, dengan cara aku. Lagipun, sejak bila pula aku menyerah pada manusia? Terkejut dan kecewa, aku dah biasa. Cuma mungkin kali ini kecewanya agak lebih, tapi nama dan susunannya, boleh saja diubah. Manusia datang, manusia pergi, tapi aku tetap disini dan segala "GOAL" aku dan aku tak pernah kata orang "idiot" sebab "they have no goal" !!
Aku masih tersenyum, dan hati aku, makin lama makin hilang sentuhan dan sensitivitinya. Salahkah aku begini?
Tak pe lah, mereka dah pandai, dah senang, dah banyak ilmu, dah banyak duit. Aku masih perlu hidup cara aku, perlu cari rezeki untuk sara keluarga dan perlu cari lebih banyak amalan baik untuk membayar segala kesilapan masa lampau.
Aku tak boleh nak menyerah pada emosi, tak boleh mengundur kebelakang, walau pun ada kalanya, orang yang aku harapkan menjadi sebahagian dari pasukan ini, orang pertama yang aku tulis namanya untuk berada dalam team ini, yang memperlakukan seperti ini. Tak pe lah, mungkin aku belum cukup bagus dan belum cukup layak untuk memimpin orang-orang bijak seperti mereka.
Mungkin Allah telah menetapkan aku cuma sesuai untuk mereka yang hanya punya sedikit kelayakan akademik, dan sedikit ilmu kemanusiaan. Tak mengapalah, aku bukan dilahirkan untuk merintih, tidak juga untuk merayu, tidak juga untuk tewas pada emosi sendiri, tidak juga untuk meletakkan masa hadapan aku pada tangan orang lain.
Kalau mereka lebih sesuai cara mereka, aku mohon semoga Allah memberi mereka pertolongan untuk terus maju kehadapan, dan aku akan terus melangkah, dengan cara aku. Lagipun, sejak bila pula aku menyerah pada manusia? Terkejut dan kecewa, aku dah biasa. Cuma mungkin kali ini kecewanya agak lebih, tapi nama dan susunannya, boleh saja diubah. Manusia datang, manusia pergi, tapi aku tetap disini dan segala "GOAL" aku dan aku tak pernah kata orang "idiot" sebab "they have no goal" !!
Aku masih tersenyum, dan hati aku, makin lama makin hilang sentuhan dan sensitivitinya. Salahkah aku begini?
Friday, February 06, 2009
Apakah aku perlu membela KATAK?
Aku inginkan anak cucu dan generasi aku terus kenal semua katak-katak haram jadah ini dan tahu aku tak pernah setuju jika demokrasi dikatakkan oleh mereka yang telah dipilih oleh rakyat.
Dan aku tak kan halalkan walau satu sen pun duit cukai yang aku bayar yang akhirnya mengalir pada katak-katak ini yang masih dapat elaun wakil rakyat secara haram!.
Aku tak pernah setuju bila DS Anwar kata nak tubuh kerajaan dengan cara wakil BN masuk Pakatan, walaupun aku tak pernah sokong BN, dan aku bukan orang politik. Bila ADUN Bota masuk PKR, aku juga tak setuju. Dan kemudian ADUN Bota masuk semula UMNO, yang ni aku bukan lagi tak setuju, tapi aku dah nak muntah tengok sarkis politik kat negara aku ni.
Kemudian 3 wakil PR, jadi bebas dan sokong BN. Kali ni, aku dah tak boleh nak kata apa dah selain dari HARAM JADAH betul la mereka ni.
Rakyat dah pilih mereka atas tiket DAP dan PKR, dan sekarang ni jadi bebas dan sokong BN? Ni kerja haram jadah apa pulak ni? Aku ni bukan orang politik, tak de join mana-mana parti politik, tapi kalau dah mandat rakyat korang tipu, ni apa punya kerja haram jadah ni? Kalau tak puas hati, resign la, serah balik mandat pada rakyat. Ni nampak sangat semua ni bukan wakil rakyat, jauh sekali nak jadi pemimpin, tapi cuma nak jaga poket sendiri, takut hilang elaun wakil rakyat. Memang patut la kena panggil HARAM JADAH!!
Tak kisah la mereka diugut, disogok, dipaksa, atau apa saja. Kalau takut, kenapa pandai-pandai nak jadi wakil rakyat? nak jadi "so called" pemimpin? ptui....
ok.... aku dah ok. bukan sebab dah maki orang, tapi jangan simpan apa yang terbuku dalam hati.
So, what's next?
Soalan ni aku suka. Aku ingat lepas ni aku nak buat perniagaan baru, nak balik kampung dan bela katak. Rasanya banyak calon katak kat malaysia ni. Boleh kaya aku lepas ni. Boleh la aku jadi broker katak lepas ni... ha ha ha ha.......
Tuesday, February 03, 2009
classic book (brian tracy)
Not just for those who want to become millionaire, but for everyone...
The common principles and practices of all men and women who become millionaires in one generation.
1 - Dream Big Dreams - How to visualize, imagine and create an exciting picture of personal wealth and prosperity;
2 - Develop a Clear Sense of Direction - Learn a powerful, proven goal-setting exercise that can change your life;
3 - See Yourself As Self-Employed - How to take complete control of your career and your financial life;
4 - Do What You Love To Do - Identify the ideal work for you and then get paid well for doing it;
5 - Commit to Excellence - How to move into the top 10% in your field and be paid more than
ever before;
6 - Work Longer and Harder - How to organize your time so you get more done and contribute more value;
7 - Dedicate Yourself to Lifelong Learning - How to continually upgrade your talents and abilities to earn more money;
8 - Pay Yourself First - The most powerful process of wealth accumulation ever discovered and how you can use it;
9 - Learn Every Detail of the Business - How to become an expert in your chosen field and double your income;
10 - Dedicate Yourself to Serving Others - The starting point of all personal fortunes and how to begin;
11 - Be Absolutely Honest With Yourself and Others - How and why personal integrity goes hand in hand with financial success;
12 - Set Priorities and Concentrate Single-mindedly - The importance of focusing on your most important tasks all day long;
13 - Develop a Reputation for Speed and Dependability - How to give yourself the winning edge in everything you do;
14 - Be Prepared to Climb From Peak to Peak - Learn how to recognize the cycles and trends that can make you rich;
15 - Practice Self-Discipline In All Things - Develop the most important quality for financial success;
16 - Unlock Your Inborn Creativity - Learn how to solve any problem, overcome any obstacle, achieve any goal;
17 - Get Around The Right People - The important of surrounding yourself with winners at each stage of your career;
18 - Take Excellent Care of Your Physical Health - How to develop and maintain high levels of energy and fitness;
19 - Be Decisive and Action Oriented - How to identify the most important action steps you can take immediately;
20 - Never Allow Failure To Be An Option - How to overcome the fears that hold most people back;
21 - Pass the "Persistence Test" - Learn how to bounce back from defeat and never, never give up.
The common principles and practices of all men and women who become millionaires in one generation.
1 - Dream Big Dreams - How to visualize, imagine and create an exciting picture of personal wealth and prosperity;
2 - Develop a Clear Sense of Direction - Learn a powerful, proven goal-setting exercise that can change your life;
3 - See Yourself As Self-Employed - How to take complete control of your career and your financial life;
4 - Do What You Love To Do - Identify the ideal work for you and then get paid well for doing it;
5 - Commit to Excellence - How to move into the top 10% in your field and be paid more than
ever before;
6 - Work Longer and Harder - How to organize your time so you get more done and contribute more value;
7 - Dedicate Yourself to Lifelong Learning - How to continually upgrade your talents and abilities to earn more money;
8 - Pay Yourself First - The most powerful process of wealth accumulation ever discovered and how you can use it;
9 - Learn Every Detail of the Business - How to become an expert in your chosen field and double your income;
10 - Dedicate Yourself to Serving Others - The starting point of all personal fortunes and how to begin;
11 - Be Absolutely Honest With Yourself and Others - How and why personal integrity goes hand in hand with financial success;
12 - Set Priorities and Concentrate Single-mindedly - The importance of focusing on your most important tasks all day long;
13 - Develop a Reputation for Speed and Dependability - How to give yourself the winning edge in everything you do;
14 - Be Prepared to Climb From Peak to Peak - Learn how to recognize the cycles and trends that can make you rich;
15 - Practice Self-Discipline In All Things - Develop the most important quality for financial success;
16 - Unlock Your Inborn Creativity - Learn how to solve any problem, overcome any obstacle, achieve any goal;
17 - Get Around The Right People - The important of surrounding yourself with winners at each stage of your career;
18 - Take Excellent Care of Your Physical Health - How to develop and maintain high levels of energy and fitness;
19 - Be Decisive and Action Oriented - How to identify the most important action steps you can take immediately;
20 - Never Allow Failure To Be An Option - How to overcome the fears that hold most people back;
21 - Pass the "Persistence Test" - Learn how to bounce back from defeat and never, never give up.
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