Thursday, December 29, 2011

(Sumber :

PETALING JAYA: The revised employers’ statutory contribution rate of 13% to the Employees Provident Fund for workers earning less than RM5,000 a month will take effect next month.

EPF public relations general manager Nik Affendi Jaafar said the 1% increase from the current 12% will benefit about 5.3 million working Malaysians, who make up 92% of EPF’s active members.

“The employees’ contribution rate remains at 11%,” said Nik Affendi in a press statement yesterday.

Employees who are 55 years and above and earning wages not exceeding RM5,000 will also benefit from the revised rates, as employers are now required to contribute at 6.5% – an additional 0.5% from the current 6%.

The rate increase was announced by Prime Minister Datuk Seri Najib Tun Razak in his Budget 2012 speech as a move to help those with insufficient savings to bear the cost of living upon retirement.

While most employees will welcome the boost in their retirement savings, employers fear that the increase will be a burden to them.

Malaysian Employers Federation executive director Shamsuddin Bardanhad said most employers may find it difficult to absorb the additional cost and that they might reduce their manpower.

( Ini merupakan satu berita gembira kepada para pekerja yang bergaji rm5000 ke bawah. Tanpa perlu membuat sebarang caruman tambahan, mereka dapat menikmati caruman tambahan sebanyak 1% yang diberi oleh majikan mereka. Gunakan peluang ini sebaik mungkin. Kalau boleh, fikirkan cara untuk memaksimakan pulangan dari akaun 2 kwsp anda.

Untuk aku pula, berita ni tade memainkan peranan apa2 pun. Duit dalam kwsp aku pun dah tak naik2 dah bape lama dah. Tade orang nak tolong carumkan hehe...)

Wednesday, December 28, 2011

Ada duit banyak pun susah?

(Sumber :

MUMBAI, India (AP) -- Ajay Piramal is sitting on a mountain of cash. Yet the billionaire Indian tycoon, working in one of the world's fastest growing economies, is struggling to figure out what to do with the money.

The problem isn't opportunity, he said. It's India.

"Every large investment, there was no transparency," Piramal said.

His dilemma is a worrying sign for India. With the country mired in corruption, bureaucratic red tape and unclear and changing government policies, many of the men who made their billions here are saying maybe it's time to quit India. It's got to be easier to do business elsewhere.

In May last year, Piramal's healthcare business sold its generic drug operations to U.S. pharmaceutical giant Abbott Laboratories for $3.8 billion. Piramal, a tall big man in a country that still measures prosperity by girth, was eager to set that cash pile to work. He wanted to expand one of his chemical plants, but was told it would take five years.

"The same plant could be set up in China in two years," he said. "I love India, but my customer is not going to wait."

India, still a beacon of relatively fast growth despite a troubled world economy, should be a magnet for capital. Instead, since the beginning of 2010, the amount that Indians have invested in businesses overseas has exceeded the amount foreigners are investing in India, according to central bank figures.

In part this reflects the confidence and aptitude of India's maturing companies and the current malaise in the global economy and financial markets. But it also reflects deep problems at home. India's big coporations may be cash rich but the failure to invest that money domestically is bad news for a developing country that needs capital to build the roads, power plants and food warehouses that could help lift hundreds of millions out of dire poverty.

The frustration of India's business elite with corruption, political paralysis, log-jammed approvals, regulatory flip-flops, lack of access to natural resources and land acquisition battles — to pick a few of the top complaints — has reached a pitch perhaps not heard since India began liberalizing its economy in the early 1990s.

"If you are an honest businessman in India, it's very difficult to start up anything," said Jamshyd Godrej, chairman of manufacturing giant Godrej & Boyce. "Companies are going to operate where they see the best opportunities and efficiency for their capital."

Increasingly, that's outside India.

In 2008, foreigners poured roughly twice as much direct investment into India — $33 billion — as Indians plowed into businesses overseas. By 2010, that had reversed: Indians invested $40 billion abroad — twice as much as foreigners invested in India — a trend that's continued this year.

There is another, unspoken element to all the complaints. To the extent that business in India ran on corruption, some of the old, dirty ways of doing things are being disrupted, freezing India's already glacial bureaucracy, business leaders say.

Scandals in the staging of the Commonwealth Games, the pilfering of homes meant for war widows and the irregular auction of cellphone spectrum that cost the country billions has sent parliamentarians and even a Cabinet minister to prison.

With Indians tiring of the incessant graft, tens of thousands of middle-class protesters poured into the streets and pushed an anti-corruption bill onto the floor of Parliament.

Steelmakers can't get enough iron ore because a massive mining scandal in the southern state of Karnataka prompted a court to order the closure of illicit mines that account for a fifth of iron ore production in the country.

The bureaucrats — even the honest ones — are reportedly so scared of being punished they are refusing to make the decisions needed to make the country run.

Piramal is not unpatriotic. Each room in his executive suite is named after an Indian epic hero: Arjuna, the most pure; Dhananjay, acquirer and master of wealth. There's a quote from the Upanishads scriptures on the wall.

His office sits in a one million square foot office park in Mumbai his family built. The buildings around him — white with blue glass that flashes back the unforgiving sun — bear his own name in large black letters: Piramal Towers.

Piramal had the will and the means to build power plants and roads.

Instead, his Piramal Group's largest investment to date has been in one of the office park's tenants: the Indian subsidiary of the British telecom giant Vodafone Plc.

Last September, when he got the first payout, of $2.2 billion, from Abbott, the phone started ringing.

"Because people knew we had money, we had so many people approaching us for projects in the infrastructure sector," he said. "These people had no experience and no knowledge and no track record of having built a business in any area. And yet they were coming to us saying we have licenses and approvals. That just didn't sound right or smell right."

Each day, they paraded through his office: The investment banker who decided to build a 500 megawatt power plant, the coal trader assured of a government coal allocation, small-time miners with pretty presentations promising land, licenses and financing.

"They'd name politicians from the center and the state who had it all tied up for them," he said. "It didn't sound right. Obviously there were things going on in the system."

Road and port projects weren't much better, he said.

Piramal also looked at investing in engineering and infrastructure services companies, but couldn't make sense of their books.

"We couldn't find anything," he said. "People get greedy. In their desire to get good valuations they resort to, if I can say, creative accounting."

Today, India's infrastructure companies are known as great wealth destroyers.

"Infrastructure investment has become untouchable, a sure way of losing money," said Jagannadham Thunuguntla, head of research at SMC Global Securities. He calculates that four of India's top infrastructure companies — GMR Infrastructure, GVK Power and Infrastructure, Lanco Infratech and Punj Lloyd — have lost over 80 percent of their value since 2007. A fifth, Larson & Toubro is down 50 percent.

Piramal may have dodged a bullet, but shareholders in Piramal Healthcare aren't happy. Despite a $600 million special dividend and share buyback, the share price has sagged since the Abbott deal was announced on May 21 last year. They'd like to see the Abbott cash productively deployed. Instead, much of it is sitting in fixed deposit accounts.

Piramal said he really does want to run a pharmaceutical company and be the first Indian company to discover a world-class drug — despite his dabbling in telecom, financial services and real estate financing. It's just that pharma can't absorb all his cash. He plans to sell the 5.5 percent stake he picked up in Vodafone Essar for $640 million in a few years, when Vodafone Essar issues shares in an initial public offering, he said.

He has also launched Piramal Capital, to make real estate and infrastructure loans, and spent about $50 million to acquire IndiaReit, a real estate investment company.

Meanwhile, his thoughts have turned to Boston, where he set up IndUS Growth Partners with a professor from Harvard Business School to look for buying opportunities in the U.S., in security, financial services and biotechnology. And he said he's still planning to spend over a billion dollars on biotechnology acquisitions in North America and Europe.

"India was going more towards capitalism than socialism," Piramal said. "I think we're going back. Capitalism went to too much excess. Corruption levels went to the extreme."

He said he'll announce his first overseas acquisition by March.

( Ada duit banyak pun susah, tade duit lagi la susah...hehe)

Tuesday, December 27, 2011

How bad do you want it?

" If u want to succeed as bad as u want to breath, then u'll be successful"

Wednesday, December 21, 2011

Lanjutan Premium Hartanah Leasehold hanya RM1000?

( Sumber : )

Rakyat yang menghadapi masalah menjelaskan bayaran premium tanah akan dibantu kerajaan negeri demi memastikan rakyat di Selangor memiliki rumah sendiri.

Kerajaan negeri menetapkan bayaran serendah RM1,000 bagi penyelesaian isu itu dan bagi mereka yang masih tidak mampu berbuat demikian, mereka boleh menjalankan aktiviti kemasyarakatan di bawah seliaan Jabatan Kebajikan Masyarakat (JKM) yang kemudiannya akan membantu individu tersebut menjelaskan bayaran premium berkenaan.

Menteri Besar Selangor, Tan Sri Abdul Khalid Ibrahim berkata, kerajaan negeri prihatin dan menyedari terdapat sebahagian rakyat di negeri ini menghadapi masalah menjelaskan bayaran premium yang tinggi bagi pemilikan tanah.

Ekoran itu katanya kerajaan negeri membuat keputusan rakyat yang diberikan hak pemilikan tanah boleh membayar premium tersebut dengan bayaran minima sebanyak RM1,000.

Bagi mereka yang masih tidak dapat menjelaskan bayaran RM1,000 itu, katanya, bantuan menerusi JKM akan diberikan dengan syarat golongan tersebut perlu menjalankan tugas kemasyarakatan yang akan ditetapkan mengikut keperluan.

Jelasnya, pendekatan itu diambil kerana kerajaan negeri mahu membantu rakyat di Selangor terutama yang kurang berkemampuan memiliki kediaman sendiri.

“Rakyat mesti diberi kesempatan untuk memiliki tanah kediaman mereka jadi oleh sebab itu kerajaan negeri telah banyak buat program bagi borang 5A iaitu borang yang kita setujui penghuni rumah tersebut boleh mendapat geran tanah.

“Tapi yang susahnya bila baca surat itu ada bayaran premium di mana bayaran itu berasaskan nilai tanah, lagi mahal tanah lagi banyak premium kena dibayar iaitu sekurang-kurangnya 20 peratus daripada nilai tanah,” katanya pada Program Mesra Antara Menteri Besar Dan Rakyat di Dengkil. Turut hadir pada program sama ialah barisan Exco negeri Selangor, Teresa Kok, Dr Xavier Jayakumar dan Ronnie Liu.

Menurut Abdul Khalid, berikutan itu kerajaan negeri menerima banyak permintaan bagi mengurangkan bayaran premium tersebut.

“Cara yang terbaik kalau mereka tak dapat membayar premium, cara yang kita beri kita akan tawarkan mereka satu cara yang lain iaitu mereka yang tak boleh membayar, kita benarkan mendapatkan geran tanah dengan hanya membayar RM1,000 sahaja.

“Kalau lagi ada keluarga yang tidak boleh membayar RM1,000, kita juga akan bantu melalui Jabatan Kebajikan Masyarakat supaya mereka dibantu.. tetapi mereka kena buat kerja, tak bayar dengan duit mereka kena buat kerja kebajikan,” katanya.

Abdul Khalid berkata, tindakan itu dikenakan kerana mahu rakyat di Selangor bertanggungjawab terhadap apa yang mereka miliki dan tidak menganggap mudah segala bantuan diberikan kepada mereka.

Beliau menambah, kerajaan negeri sentiasa mementingkan kebajikan rakyat dan sering memberi keutamaan kepada mereka demi memastikan nasib golongan itu mendapat pembelaan sewajarnya.

( Aku macam wonder, sapa yang layak untuk enjoy benda ni? seluruh pemilik hartanah leasehold di Selangor kah? Kalau ya, ini sudah bagus...Lepas ni memang naik la lagi harga hartanah leasehold terutamanya di kawasan2 prime macam Shah Alam, Kota Damansara etc.

Lepas tu, macam mana nak identify siapa yang dikira berkemampuan? kalau mampu, then kena bayar harga premium macam kiraan biasa ke? Kalau macam tu, senak la...

Apa2 pun kita tunggu dan lihat bagaimana kerajaan Negeri Selangor nak implement benda ni....Dah2 nak dekat pilihanraya ni, macam2 benda best yang diberi oleh kedua2 parti sama ada kerajaan atau pembangkang...aku tumpang seronok je hehe...)

Tuesday, December 20, 2011

Kes Hangat Terkini

Mari kita bandingkan ketokohan dua golongan ini :

Di sini kita dapat lihat kenapa ilmu dan pendidikan itu amat penting...terutamanya ilmu yang dipraktikkan dan bukan ilmu menjawab exam semata2...

Renung2kan lah...

(PS : Sekadar selingan...hehe)

Friday, December 16, 2011

Cerita Lelongan HighCourt KL

Salam sejahtera semua...

Lama dah aku tak borak pasal lelong kan...senyap je...Kali ni nak citer pasal lelong plak ah...

Pagi semalam aku ke highcourt kl untuk participate dalam satu lelongan hartanah. Unit ni aku sendiri yang nak bid. Dah lama aku usha unit ni. Since last week lagi. Tapi hati tu masih ragu2. Lama gak la aku fikir nak ke tanak untuk masuk bidding unit ni.

Actually aku ragu2 sebab condition rumah ni agak teruk. Memang rumah tinggal. Api n air memang dah tade. Tingkap pun banyak yang pecah. Kalau nak repair, aku budget tak lari dari rm10k. Maybe lebih. Pastu plak, tunggakan dia je dah cecah RM13k. Itu pun nasib baik bank cover. Kalau bank tak cover, konpem aku drop terus unit ni. Pi carik unit lain plak.

Yang menariknya unit ni, harga reserve dia terlalu murah. Lebih 60% below market value. Tu yang goyang tu. Sampai aku pun cuak apsal terlalu murah. Siap terfikir rumah ni ada hantu etc hehe...Last2 awal2 pagi semalam baru aku decide n nekad nak cuba jugak. Mana la tau kot2 ada rezeki dapat reserve. Memang konpem kenduri besar la. Kalau betul ada masalah hantu, nanti boleh carik ghostbuster kasi tolong setel.

Malangnya, apa yang aku angan2kan tidak kesampaian. Belum pun pukul 9am, dah ada lebih 10 pembida register untuk unit ni. Duh! aku ingatkan tempat ni tak de la hot mana pun. Hampehs tul. Konpem kalah la ni. Budget aku ciput je. Itu pun aku mmg 50-50 nak masuk atau tidak. Memang la budget aku rendah.

Yang menambah bengang, ni lelongan mahkamah. Lelongan mahkamah mmg sucks big time. Lembab tak hingat. Bayangkan, aku register before 9am, kol 1130am baru unit ni sedia untuk dilelong. 2 jam setengah aku melangut macam orang bodoh. Memang sistem diorang sucks aa.

So berbalik pasal lelongan unit ni tadi, total ada 26 pembida. Aku sorang je melayu. Ada lagi satu india. Yang lain sumer cina. Bangga la kejap sbb ada gak la sorang melayu yang tau pasal potensi unit ni hehe...Lawan punya lawan, as expected, harga naik sampai MV. Keh keh keh...gile tul la..baik la beli subsale. Ada satu unit bersebelahan dengan unit lelong ni pun nak jual ikut market. Siap ada kitchen cab, water heater ngan aircond lagi. Takyah pikir pasal tunggakan n 120days tu. Apa la diorang ni. Tak paham sungguh...BTW yang menang bidding ni adalah india yang sorang tu. Hebat gak boleh kalah kan 25 orang yang lain..."tahniah" diucapkan...

Rasanya lepas ni hibernate balik la. Tunggu next year kalau nak masuk bidding balik. Kasi simpan peluru kaw2 the same time, terus menerus menambah stok silver...weeheee....

Wednesday, December 7, 2011


( Source : R.T newsletters "Conspiracy of The Rich" #110)


I sat in my dentist’s office, having my teeth cleaned, and watched TV. My dentist is a great dentist because he is a great businessman. He knows how to treat his customers. On top of that, I rarely see him. He has a great staff of friendly and attentive workers. Before I walked out, his receptionist had already scheduled me for my next visit.

But this
Conspiracy of the Rich (COR) update isn’t about the euphoria of having my teeth worked on. It’s about the euphoria I watched on TV at my dentist’s office. With my mouth open, I watched the stock market climb by 400 points and the prices of gold and silver climb, wondering what was going on. Why were prices screaming up?

Here’s what I found out from my friends in different parts of the world.

Cash injection

Apparently, one or two European Banks were in big trouble with money flowing out, a.k.a. a
bank run. To stop the run from spreading, six central banks stepped in to prevent a European panic. The six banks were The Federal Reserve, Bank of Canada, Bank of England, Bank of Japan, Swiss National Bank, and the European Central Bank.

These central banks lend money at extremely low interest rates to nations, such as Italy, that are in trouble and to large commercial banks in Europe. Last week, these central banks loaned out tons of US dollars printed out of thin air, which caused markets to rally.


At the same time, China’s central bank, The People’s Bank of China, cut
reserve requirements for their commercial banks.

For those of you who have read
Conspiracy of the Rich, you know that a reserve requirement is the percentage of money held in reserve, with the bank lending out the rest. For example, if a bank has a $100 deposit from a saver, and the government requires banks to hold a 10 percent reserve, the bank can lend out $90 while holding $10 in reserve.

The US requires banks to have a 10 percent reserve. The Chinese banks now require their banks to hold 21 percent reserve, down from 21.5 percent. This 0.5 percent reduction freed about 390 billion yuan (about $61 billion) into the Chinese economy.

The problem for China is that Europe is their biggest customer, and as Europe slows, the Chinese economy also slows. That’s why the Chinese central bank responded by reducing its reserve requirements, hoping to “ease” more money into their economy.

Will this solve the problem? No. But it’s a nice euphoria, although temporary.

One big, hot air balloon

The reason for the happiness is that the markets feel the central bankers of the world will keep printing money to save the economy.

The problem is that the global economy is like a giant hot air balloon with a tear in the side, and the rip is growing. In an attempt to prevent a global depression, central bankers of the world are throwing money into the gash, hoping the cash will plug the leak.

The more counterfeit money central banks throw into the gash, however, the higher prices go due to inflation and taxes. Taxes have to go higher in order to pay the interest on the counterfeit dollars. Those taxes come from you and me. The central banks put their hands in our pockets via taxes and inflation.

Life will get harder

As stated in COR, this is how the ultra rich get richer. Unfortunately, this is also how the poor and middle class get poorer.

The best way to avoid being a victim of this massive conspiracy is to change your mindset and the rules of money by which you play. As stated in COR, the rules of money were changed in 1971, the year the US came off the gold standard. Life is very difficult for those who operate via the old rules of money, such as work hard, save money, get out of debt, and invest for retirement in the stock market.

Rather than euphoria, I’m afraid we will only have more rioting around the world. The rioting in Egypt was caused by the price of food going up. That problem is now spreading around the world. This is why you s
see the prices of gold and oil going up, causing more inflation and more rioting.

At the risk of sounding commercial, I recommend people read
Unfair Advantage, my book with more information on how I use the new rules of money. Also, you may want to consider our advanced education and coaching programs.

As you know, this crisis has already damaged millions of people. As the crisis grows, millions more will be wiped out financially. Please don’t be one of them.

Can the crisis be solved?

It’s possible this crisis can be solved, but not likely. Our leaders are too weak and too chicken to do what must be done. Their lack of guts will only cause the problem to grow bigger. Besides, many of our leaders get richer off the misery of others.

I’m not counting on my leaders. I don’t think it matters who becomes the next President. I think it’s time to start saving yourself and your family.

So the good news is that in a few years there will be lots of money thanks to the cash pumped into our system by the central banks.

The bad news is that prices and taxes will be much higher—if we’re lucky.

Thursday, December 1, 2011

9 kesilapan utama pelabur hartanah

Just found a good link pasal tajuk di atas. Maklumat yang bagus untuk dikongsi bersama.

Video ini dibuat oleh KC Lau. Seorang yang terkenal dalam bidang personal finance di malaysia. Kena register nama n email dulu then korang akan dapat link untuk view video dan dload ebook. Free je.

Selamat menonton dan menambah ilmu!

Tuesday, November 29, 2011

Goal setting

Uish..dah lama betul aku berhibernasi..lately ni macam slow skit plak rasanya..nak buat apa2 pun macam agak perlahan..nak update blog pun terkial2...

Memandangkan kita dah nak hampir ke penghujung tahun, aku tergerak la nak review goal 2011 aku..actually nota goal yang aku tulis tu pun dah taktau mana aku letak hehe..kena ingat2 balik je la..pastu tulis balik..

Rasanya performance aku untuk tahun ni boleh tahan..ada banyak pun getting better..lebih baik dari tahun lepas..cuma setakat mana ianya lebih baik, aku dah takleh nak track..kena main agak2 je..tu pasal penting kita compile goal setting kita bila kita tulis awal2 tahun dulu..kalau nak best, print pastu simpan dalam file..tiap2 tahun boleh review..aku ni cakap je pandai..padahal tak buat jugak haha..

Goal 2012 masih belum dirangka lagi..nak kena review balik current standing sebelum boleh buat planning untuk tahun la benda yang aku tengah layan time kol 1230am ni..nak buat keje, otak macam dah slow..buat benda2 yang rileks dulu la..

Kalau korang pun nak buat goal revision macam aku sekarang ni, aku rekomen link ni :

especially untuk rangka financial goals...aku pun baru jumpa..nak belek2 dulu..pastu amik apa yang boleh digunakan...

Apa2 pun yang penting, once dah set goals tu..kena la take action..kalau tak wat apa2, jadi angan2 mat jenin la jawabnya...

Wednesday, November 2, 2011

Hutang oh Hutang...

Aku tak suka nak amik tau sangat pasal politik...tapi bila isu negara yang melibatkan kewangan, nak tanak aku teramik tau la jugak...sbb kewangan ni satu benda yang serius dan bukan boleh buat melibatkan masa depan negara...kalau setakat isu liwat meliwat pun nak masuk berita perdana, memang aku tak hingin nak tau pun...

Apa pendapat korang dengan benda ni :

Aku pun berhutang...aku pasti ramai antara korang pun berhutang jugak...tapi hutang2 kita, kita sendiri yang bayar...kita sendiri yang pening kepala fikir cemana nak bayar...

Tapi kalau kerajaan berhutang, korang ingat agak2 sapa yang bayar? ahli2 politik tu kah? atau rakyat?

Aku tak halang negara berhutang...tapi mesti la kena pada perlaksanaannya...kalau banyak sangat hanky panky dan ketirisan, aku pun naik hangin...tade nafsu aku nak bayar cukai banyak2...baik aku bayar zakat lagi puas hati...

ni aku petik dari salah satu comment yang ada kat link di atas...citer pasal kes2 "fishy" yang pernah hangat dulu...korang verify sendiri betul atau tidak citer2 ni..aku post sbb ada jugak yang aku teringin nak tau kisah2 sebenar yang berlaku tapi last2 senyap macam tu je...

1. PKFZ RM12bill
2. Submarine RM500mil
3. Simedarby RM964mil
4. Paya Indah Westland RM88mil
5. Posmalaysia (transmile) RM230mil lost
6. Eurocopter deal RM1bil waste?
7. Terengganu Stadium Collapsed RM292mil
8. MRR2 repair cost RM70mil
9. Maybank Overpay for BII RM4bil
10. Tourism -NYY kickback RM10mil
11. 3 paintings bought by MAS—————– RM 1.5M
12. Overpayment by Sport Ministry ————- RM 8.4M
13. London ‘s white elephant sports complex —- RM 70M
14. MRR2 Repairs—————————— RM 70M
15. MATRADE repairs ————————– RM 120M
16. Cost of new plane used by PM————– RM 200M
17. InventQ irrecoverable debt —————- RM 228M
18. Compensation for killing crooked bridge —– RM 257M
20. Lost in selling Augusta ——————— RM 510M
21. Worth of AP given out in a year ———— RM 1.8B
22. Submarines (future Muzium Negara artifacts)- RM 4.1B
23. PSC Naval dockyard ———————— RM 6.75B
24. The Bank Bumiputra twin scandals in the early 1980s saw US$1 billion (RM3.2 billion in 2008 ringgit)
25. The Maminco attempt to corner the world tin market in the 1980s isbelieved to have cost some US$500 million. (RM1.6 billion)
26. Betting in foreign exchange futures cost Bank Negara Malaysia RM30 billion in the 1990s.
27. Perwaja Steel resulted in losses of US$800 million (RM2.56 billion).
28. Use of RM10 billion public funds in the Valuecap Sdn. Bhd. operation to shore up the stock market
29. Banking scandal of RM700 million losses in Bank Islam
30. The sale of M.V. Agusta by Proton for one Euro making a loss of €75.99 million (RM 348 million)
31. Wang Ehsan from oil royalty on Terengganu RM7.4 billion from 2004 – 2007
32. For the past 10 years since Philharmonic Orchestra wasestablished, this orchestra has swallowed a total of RM500 million.Hiring a kwai-lo CEO with salary of more than RM1 M per annum !!
33. In Advisors Fees, Mahathir was paid RM180,000, Shahrizat AbdulJalil (women and social development affairs) RM404,726 and Abdul HamidOthman (religious) RM549,675 per annum
34. The government has spent a total of RM3.2 billion in teachingMaths and Science in English over the past five years. Out of theamount, the government paid a whopping RM2.21 billion for the purchaseof information and computer technology (ICT) equipments which it isunable to give a breakdown. Govt paid more than RM6k per notebook vsper market price of less than RM3k through some new consortiums thatsetup just to transact the notebook deal. There was no math &science content for the teachers and the notebooks are all with theteachers’ children now.
35. The commission paid for purchase of jets and submarines to twoprivate companies Perimeker Sdn Bhd and IMT Defence Sdn Bhd amounted toRM910 million.
36. RM300 million to compensate Gerbang Perdana for the RM1.1 billion “Crooked Scenic Half-Bridge”
37. RM1.3 billion have been wasted building the white elephantCustoms, Immigration and Quarantine (CIQ) facilities on cancellation ofthe Malaysia-Singapore scenic bridge
38. RM 100 million on renovation of Parliament building and leaks
39. National Astronaut Programme – RM 40 million
40. National Service Training Programme – yearly an estimate of RM 500 million
41. Eye on Malaysia – RM 30 million and another RM5.7 million of free ticket
42. RM 2.4 million on indelible ink
43. Samy announced in September 2006 that the government paidcompensation amounting to RM 38.5 billion to 20 highway companies. RM380 million windfalls for 9 toll concessionaires earned solely from thetoll hike in 2008 alone.
44. RM32 million timber export kickbacks involving companies connected to Sarawak Chief Minister and his family.
45. Two bailouts of Malaysia Airline System RM7.9 billion. At atime when MAS incurring losses every year, RM1.55 million used to buythree paintings to decorate its chairman’s (Munir) office.
46. Putra transport system bailout which cost RM4.486 billion.
47. STAR-LRT bailout costing RM3.256 billion.
48. National Sewerage System bailout costing RM192.54 million.
49. Seremban-Port Dickson Highway bailout costing RM142 million.
50. Kuching Prison bailout costing RM135 million.
51. Kajian Makanan dan Gunaan Orang Islam bailout costing RM8.3 million.
52. Le Tour de Langkawi bailout costing RM 3.5 Million.
53. Wholesale distribution of tens of millions of shares in BursaMalaysia under guise of NEP to cronies, children and relatives of BNleaders and Ministers worth billions of ringgits.
54. Alienation of tens of thousands of hectares of commercial landsand forestry concessions to children and relatives of BN leaders andMinisters worth tens of billions of ringgits.
55. Since 1997, Petronas has handed out a staggering 30 billionringgit in natural gas subsidies to IPPs who were making huge profits.In addition, there were much wastages and forward trading of Petronasoil in the 1990s based on the low price of oil then. Since the accountsof Petronas are for the eyes of Prime Minister only, we have absolutelyno idea of the amount.
56. RM5700 for a car jack worth RM50
57. Government-owned vehicle consumed a tank of petrol worth RM113 within a few minutes
58. A pole platform that cost RM990 was bought for RM30,000
59. A thumbdrive that cost RM90 was bought for RM480
60. A cabinet that cost RM1,500 was bought for RM13,500
61. A flashlight that cost RM35 was bought for RM143
62. Expenses for 1 Malaysia campaign paid to APCO?
63. RM17 billion subsidy to IPP

Yang paling latest sekarang, isu pasal projek feedlot negara...mengikut anggaran Jab veterinar (report kementerian ya! bukan pembangkang punya figure), nak hasilkan lembu sebanyak 9000 ekor hanya memerlukan lebih kurang 6.4 juta sahaja...tapi projek feedlot ni dah hentam sampai rm141 juta untuk hasilkan 8000 lebih ekor lembu...Kalau macam ni punya gaya, baik kasi je duit tu kat petani2 yang mmg keje diorang bela lembu, silap2 lagi efisien...

Detail dia aku tak sure sangat...banyak lagi benda lain nak pk...kalau korang berminat nak tau lebih, tengok vid ni:

So kalau korang rasa kerajaan yang akan tolong korang uruskan kewangan korang, toksah berharap la...kerajaan lagi pening nak uruskan kewangan diorang baik korang yang amik tanggungjawab jaga kewangan masing2...nak buat hutang tak salah, tapi pastikan untuk apa hutang tu dibuat...kalau hutang court mammoth 3 bulan tanpa cengkeram yang korang sambar, sendiri mau ingat la ye!

PS : Hati gua tak pasal2 panas malam dari terus merapu, layan movie lagi bagus...

Saturday, October 29, 2011

Toy upgrade

Hari ni tade banyak aktiviti sangat. Cuma ada satu viewing rumah je kat Lagoon Perdana. RM 145k nego , 852sf , sekarang ni tenanted. Rupanya potential buyer tu dah memang ada a few appointment kat situ so kiranya macam window shopping la ni. So tade la meletak harapan tinggi nak close deal. Kalau ada rezeki, nanti dia call la tu.

Lepas setel viewing rumah, tergerak plak hati nak singgah cash converter. Sapa yang taktau Cash Converter ni apa? Kiranya macam store tempat jual barang2 2nd hand la. Ada banyak jenis barang. Macam2 ada. Dari alat eletronik sampai la ke barang2 dapur. Aku target satu je. Nak usha golf club kot ada yang good deal. Cash Converter ni ada banyak cawangan. Rasanya ada dekat 7 kot. HQ dia kat Shah Alam. Yang aku pergi ni cawangan Damansara.

Mula2 ingat nak usha2 window shopping je. Sekali jumpa plak satu driver ni yang macam menarik. Harga pon agak ok. Boleh kata 80% macam baru la. Tak banyak calar. Cuma ada skit2 kotor je kat surface pemukul. Berlegar2 la gak kat situ dalam 30minit nak menimbang baik buruk kalau buat pembelian. Hehe. Last2 terus decide beli sebab ni kira macam reward diri sbb baru je mendapat hasil 'tuaian' pelaburan yang agak memuaskan.

Kalau baru, harga asal boleh cecah ribuan ringgit tapi kat sini aku dapat beli pada harga rm169 je. Memang puas hati la. Cuma yang kureng takleh nak test hayun. Kira gamble gak ni. Mana la tau kot2 bila dah nak guna nanti, rupanya tak selesa plak. Padahal dah beli. Ni la risiko yang perlu diambil kalau beli barang 2nd. Kalau benda2 lain macam elektronik maybe kita keberatan nak beli 2nd hand sbb taktau condition barang. Kita prefer beli yang baru dan ada warranty. Ala setakat kayu golf, apa la sangat nak rosaknya. Bukannya bengkok pun. So aku pun belasah je beli..

Lepas ni looking forward nak turun driving range nak buat test swing. Kalau tade improvement, nampak sangat aku yang hancus..haha...

Tuesday, October 25, 2011

Adakah ini tanda2 golongan pertengahan semakin menyusut?

(Sumber :

Twice as many millionaires in Malaysia over last 18 months

Citing a report released this week by international financial firm Credit Suisse Group, WSJ wrote that since early 2010, Malaysia added 19,000 new millionaires, bringing its total to 39,000.

Comparatively, the number in Indonesia increased by 52,000 to 112,000, while the number of Singaporeans worth over US$1mil (RM3.15mil) is 183,000, triple what it was a year ago.

The growth spurt of the nouveau riche has been attributed to the weakening US dollar and stingy pockets.

Compared with the Credit Suisse numbers from early last year, these three countries alone have produced close to 190,000 new millionaires since the beginning of 2010.

However, this figure still fell short of the 212,000 new millionaires in China.

“Much of the rise is just a reflection of the weakening dollar, which makes the Singapore dollar- and rupiah-denominated riches look more impressive when translated into US dollars,” WSJ reported.

“Otherwise, it can be attributed to growing savings, stock and property prices.”

Credit Suisse defines wealth as a person's financial and real estate assets minus their debt.

The report also said that the average Singaporean was wealthier in comparison to the rest of the world, with the average household wealth at US$285,000 (RM897,000).

This makes them the fifth wealthiest people in the world after Switzerland, Australia, Norway and France.

Average household wealth in Indonesia, on the other hand, hovered at only around US$12,000 (RM37,771).

“Strong currencies, rising property prices, climbing commodity prices and healthy stock markets have helped the region but the real secret to Southeast Asia's success may be how stingy money makers are here,”WSJ noted.

“Average household debt, which offsets much of savings and investments in Western countries, is very low in the region.

“It is only 13% of total assets in Singapore and 2.5% of total assets in Indonesia.”

My Opinion : Yang makin kaya memang la double...tapi yang makin miskin rasanya lagi ramai kot...saya masih kekal dengan formula yang sama... banyakkan beli "harta" dan elakkan beli "beban"...Iallah akan tiba masanya anda juga boleh tergolong dalam golongan yang dinyatakan di atas...