Isnin, Mac 29, 2010

Household Financial Decision Makers

Mastercard: More Women Regard Themselves As Household Financial Decision Makers

KUALA LUMPUR, March 29 (Bernama) -- Women across the Asia-Pacific are feeling slightly more empowered in making financial decisions in household spending, according to MasterCard Worldwide.

This year, the score of its Index Of Women's Advancement has seen an increase of 1.10 to 85.57 from 84.47 last year.

Malaysia, ranked fourth among 14 Asia-Pacific countries, has seen a growth to 93.51 this year from 66.96 in 2009, MasterCard Worldwide said in a statement Monday.

"Women continue to make strides in labour force participation and tertiary education enrolment. We are glad to see this is translating into a greater sense of self-worth in terms of earning capabilities," said MasterCard Worldwide's vice president, communications, of Asia-Pacific, Middle East and Africa, Georgette Tan.

"This also explains the reason of more women are seeing themselves as the major financial decision maker in their households," she said.

The research also showed women in 11 out of 14 countries seeing themselves as the financial decision maker in household spending.

-- BERNAMA

Ahad, Mac 28, 2010

Jins Shamsuddin Kini Bergelar Doktor

  
BANGGA... Walaupun usia telah mencecah lebih 70 tahun, ia tidak menjadi penghalang kepada penggiat seni Senator Tan Sri Dr Jins Shamsudin untuk terus menuntut ilmu sehingga ke peringkat Ijazah Doktor Falsafah (PhD). - Foto BERNAMA
SINTOK: Pengorbanan dan kesungguhannya menuntut ilmu pada usia 75 tahun, akhirnya menghasilkan kejayaan apabila Tan Sri Jins Shamsuddin hari ini menerima Ijazah Doktor Falsafah (PhD) pada Majlis Konvokesyen Universiti Utara Malaysia (UUM) di sini.
Kejayaan manis itu datang setelah beliau bersusah payah melengkapkan kajian tesis selama dua tahun.
"Saya tidak pernah menganggap semua ini cabaran walaupun terpaksa sering berulang-alik dari Kuala Lumpur ke sini, kerana ia akan membuat kita mudah mengalah.
"Sebaliknya saya menganggap ia adalah satu tanggungjawab yang perlu diteruskan sehingga selesai," kata Jins atau nama sebenarnya Mohamed Zain Shamsuddin, anak kelahiran Taiping, Perak.
"Dengan kejayaan ini juga, saya harap ia dapat memberi galakan kepada semua karyawan seni terutama generasi muda untuk terus belajar sehingga ke akhir hayat," kata penggiat seni ini selepas menerima ijazahnya daripada Sultan Kedah, Tuanku Abdul Halim Mu'adzam Shah yang juga Canselor UUM.
Beliau berkata dengan memiliki ilmu serta pengetahuan yang tinggi, karyawan tempatan akan dapat menerbitkan karya seni yang lebih bermutu serta dapat menandingi filem-filem antarabangsa.
Sultan Kedah yang juga Canselor Universiti Utara Malaysia (UUM) Tuanku Abdul Halim Mu'adzam Shah (dua, kiri) dan Sultanah Haminah Hamidun (kiri) berangkat hadir pada Majlis Konvokesyen ke-23 UUM di sini hari ini. Turut menyambut baginda berdua ialah Naib Canselor UUM Tan Sri Dr Nordin Kardi (tiga, kiri) dan Seniman terkenal Senator Tan Sri Dr Jins Shamsudin (kanan).
Beliau melengkapkan tesis bertajuk "Filem Melayu 1930-an hingga 1960-an Sebagai Citra Budaya dan Sejarah Negara" di mana beliau memilih 50 filem Melayu dari sepanjang tahun berkenaan untuk dijadikan sampel kajiannya.
Antara filem yang dijadikan kajiannya ialah karya-karya arahan Allahyarham Tan Sri P.Ramlee seperti Antara Dua Darjat, Hang Tuah, Sejoli serta filem pertama lakonannya di bawah arahan P. Ramlee iaitu Panca Delima.
"Bagi membiayai pengajian saya, saya membelanjakan wang sendiri sebanyak lebih RM30,000. Ketika diiktiraf sebagai Seniman Negara, saya menerima wang sebanyak RM60,000, jadi saya gunakan sebahagian daripada wang hadiah itu untuk membiayai pengajian saya ini," katanya.
Mengenai perancangan masa depan, Jins berkata beliau berhasrat untuk memfilemkan kisah Pasir Salak dan riwayat hidup P.Ramlee untuk tatapan generasi muda, sekaligus berharap ia dapat ditayangkan di luar negara.
"Selaras dengan prinsip hidup saya iaitu 'Melakukan yang terbaik, Memberi sumbangan kepada bangsa dan negara', saya akan terus menghasilkan filem-filem yang dapat memberi impak berkesan kepada seluruh masyarakat," katanya yang kini bergelar Dr Jins. - BERNAMA

Consultant wins RM21,350 with SMSes worth RM80

TheStar,Sunday March 28, 2010
PETALING JAYA: It took two weeks of diligently listening to the radio, sending RM80 worth of SMSes and a stroke of luck for digital consultant Surin Raj to win a RM21,350 jackpot in Red FM’s “40 Minutes in 4 Seconds” contest.

“It feels unreal. I am shocked,” said Surin, who was the second winner of the contest started by the station this month.The previous winner won RM15,400.The contest offered a total cash prize of RM50,000, with winners selected from listeners who correctly named the titles of nine songs and their singers. The songs are aired in a four-second clip broadcast daily.

Raj said he sent 160 SMSes to Red FM to shore up his chances of being selected to participate.“I was at home listening to the contest broadcasts and I kept texting RedFM. I sent so many SMSes that my phone got barred from sending any more,” he said in an interview.

Raj said he would use the money to settle the loan he took to buy a condominium unit.
Red FM deejay Aly said the last round of the contest would be held tomorrow, adding that the station received thousands of SMSes each day during the contest.

She said listeners still had the chance to win a final prize of RM3,000, adding that the contest would only be on the RedFM Breakfast Show aired from 6am to 10am.
RedFM advertising and promotions executive Nicole Kew said more contests would be held in April such as “Word Up” and “What’s The Movie,” offering attractive cash prizes.

50,000 Kena Tipu

Oleh Rohaniza Idris
roha@bharian.com.my
2010/03/28

pix_gal0
Pelabur rugi lebih RM100 juta sertai pelaburan sejak dua tahun lalu

KUALA LUMPUR: Kira-kira 50,000 pelabur kerugian lebih RM100 juta kerana menyertai pelaburan penternakan cacing, lintah, sarang burung layang-layang, lembu dan kafe ala kopitiam di seluruh negara sejak dua tahun lalu.

Menggunakan status syarikat skim berkepentingan, lima syarikat terbabit dipercayai menyalahgunakan lesen perniagaan masing-masing, walaupun berdaftar dengan Suruhanjaya Syarikat Malaysia (SSM). Pengarah Kanan Penguatkuasaan SSM, Mohammad Redzuan Abdullah, berkata dua daripada syarikat itu sudah didakwa dan beberapa lagi akan dihadapkan ke mahkamah tidak lama lagi.

Katanya, satu daripada lima syarikat berkenaan, Island Red Cafe Franchise Sdn Bhd sudah didakwa di Mahkamah Majistret Ampang atas tiga pertuduhan menipu dan memperdayakan pelabur membabitkan pelaburan RM16 juta.

Baru-baru ini, SSM menyerbu Hadhari Cattle Industry Sdn Bhd dan Hadhari Agro Holding Sdn Bhd kerana dipercayai mempengaruhi orang awam untuk melabur dalam skim ‘Projek Pembangunan Usahawan’. Difahamkan, pelabur skim itu tidak menerima pulangan seperti dijanjikan pengurusan syarikat berkenaan.

Mohammad Redzuan berkata, modus operandi lima syarikat berkenaan ialah menawarkan saham serendah RM1,000 seunit dan menjanjikan pulangan sehingga 10 kali ganda daripada nilai pelaburan, selain insentif lain seperti kupon makanan, pakej pelancongan dan kad diskaun.
Ada syarikat menawarkan pakej pembayaran pelaburan secara ansuran bulanan untuk menarik lebih ramai menyertai skim mereka, malah sesetengah syarikat menggunakan kaedah perniagaan pelbagai peringkat (MLM) dengan pelbagai strategi pemasaran, termasuk menggunakan selebriti dan VIP.

Serentak itu, SSM kini memburu syarikat yang menganjurkan skim pelaburan sedemikian atau menyalahgunakan skim berkepentingan, terutama dalam sektor pertanian dan inovasi baru.

Beliau berkata, sepanjang tahun lalu, SSM menerima 90 aduan membabitkan skim pelaburan berkepentingan dan daripada jumlah itu, 60 adalah syarikat yang tidak tahu mereka melanggar peraturan skim berkepentingan serta diberi notis sebelum mematuhi mengikut peraturan ditetapkan SSM.

“Bagaimanapun, kebanyakan daripada 60 syarikat itu mengambil keputusan menutup operasi dan tidak meneruskan skim berkepentingan, sebaliknya meneruskan perniagaan seperti biasa mengikut Akta Syarikat 1965.

“Selain itu, 10 syarikat dikenal pasti degil dan meneruskan skim berkepentingan. Notis sudah dikeluarkan dan ada yang meminta diberi tempoh untuk mematuhi syarat ditetapkan.

“Bagi yang masih ingkar, kita sudah mengumpulkan bukti dan saksi untuk mendakwa mereka di mahkamah,” katanya.

Beliau berkata, Polis Diraja Malaysia (PDRM) turut menerima aduan kes itu, tetapi sukar bertindak kerana kekurangan bukti sebelum menyalurkan maklumat kepada SSM bagi membolehkan tindakan diambil.

Selain polis, SSM bekerjasama dengan Kementerian Perdagangan Dalam Negeri, Koperasi dan Kepenggunaan (KPDNKK) serta Bank Negara jika kes membabitkan aktiviti pengambilan deposit haram atau melanggar peraturan Akta Bank dan Institusi Kewangan 1989 (Bafia), Suruhanjaya Sekuriti (SC) dan Kementerian Pertanian dan Industri Asas Tani.

Beliau berkata, ramai pelabur tidak mengetahui skim berkepentingan hanya boleh dijalankan syarikat berstatus berhad (Bhd), bukannya syarikat sendirian berhad (Sdn) atau berstatus syarikat perniagaan tunggal.

Syarikat yang menganjurkan skim berkenaan perlu mempunyai prospektus, surat ikatan amanah antara pelabur dengan syarikat dan terma serta pemegang amanah syarikat. Jika ketiga-tiga syarat tidak dipenuhi, pelabur tidak wajar menyertai skim kepentingan ini,” katanya.

Beliau mendedahkan kebanyakan syarikat yang menganjurkan skim berkepentingan berdaftar dengan SSM, namun statusnya sebagai syarikat sendirian berhad tidak melayakkannya menganjurkan skim itu.

Justeru, katanya, pengguna perlu menyemak dengan SSM jika ditawarkan mana-mana pelaburan skim berkepentingan untuk mengetahui status syarikat yang menganjurkan skim pelaburan itu.

“SSM memandang berat kes ini kerana mahu melindungi kepentingan pelabur, terutama berpendapatan rendah atau mereka yang melabur menggunakan wang pencen, gratuiti, wang simpanan dan pelaburan dalam Amanah Saham Bumiputera (ASB),” katanya.

Jumaat, Mac 19, 2010

Bapa konstabel maut nahas terima RM63,234.29

MyMetro,19/3/2010, KUALA LUMPUR: “Kami tidak tahu pun arwah ambil insurans. Oleh itu, dengan duit ini, kami akan tunaikan haji untuk arwah dan melangsaikan semua hutangnya,” kata Rasdi Abdul Hamid, bapa Allahyarham Konstabel Mohd Zulfikri yang maut dalam kemalangan jalan raya di Tapah, Perak, tahun lalu.
TERIMA...Rasdi dan Naimah bersama cek yang diterima, semalam.
TERIMA...Rasdi dan Naimah bersama cek yang diterima, semalam.
 
Rasdi, 52, hadir menerima cek RM63,234.39 tuntutan pelan Ikhlas Savings Takaful daripada Naib Presiden Eksekutif dan Ketua Pegawai Operasi Takaful Ikhlas, Wan Mohd Fadzlullah Wan Abdullah di sini, semalam. Hadir sama, penghidap barah payudara, Naimah Abdul Satar yang menerima cek RM81,106.12 tuntutan pelan Ikhlas Wanita Takaful. Mengimbas kembali detik kejadian, Rasdi berkata, arwah anaknya yang bertugas di Pahang pulang menemui keluarga di kampung di Kuala Nerang, Alor Star, Kedah, sebelum dihantar untuk tugasan ke Timur Leste.
“Namun, tidak sempat menunaikan tanggungjawab ke Timur Leste, dia yang dalam perjalanan pulang ke Pahang ditimpa kemalangan dan maut selepas koma hampir seminggu di hospital,” katanya.

Katanya, arwah yang berusia 22 tahun baru dua tahun bekerja sebagai anggota polis dan anak ketiga daripada lima beradik.

Saya tidak sangka arwah mempunyai pelan perlindungan berkenaan sehingga menemui buku milik arwah mengandungi senarai kewangan peribadi. Dari situ saya mengetahui arwah mempunyai pelan ini dan terus menghubungi Takaful Ikhlas.

Ini duit dia (arwah) dan kami akan menggunakannya untuk perkara baik supaya rohnya dicucuri rahmat. Arwah anak yang sering membantu keluarga. Oleh itu, duit ini akan digunakan untuk menampung kehidupan harian dan pembelajaran adik-adiknya,” katanya.

Naimah pula berkata, dia yang mula menyertai pelan berkenaan selepas mendapati sahabatnya menderita kanser payudara tidak menyangka kini penyakit ‘pembunuh’ itu menimpa dirinya. “Mujur saya menyertai pelan ini awal, dua tahun sebelum doktor mengesahkan saya menghidap kanser payudara. Dengan wang ini, sedikit sebanyak dapat menampung kos perubatan yang sememangnya amat tinggi,” katanya.

Sementara itu, Wan Mohd Fadzlullah berkata, tindakan Allahyarham dan Naimah menyertai pelan berkenaan memberi manfaat untuk membolehkan kedua-duanya menerima faedah tuntutan pelan perlindungan kewangan berkenaan. “Dengan ini, sedikit sebanyak dapat meringankan beban keluarga dan diri sendiri. Pelan kewangan seumpama ini mampu meringankan beban kewangan diri serta keluarga sekiranya ditimpa musibah,” katanya. 

Khamis, Mac 18, 2010

Microfinance, Mega Impact

(Petikan Artikel dari Harvard Business Review)
11:21 AM Tuesday March 16, 2010 by Vijay Govindarajan

Microfinance is more than an innovative scheme to provide loans to poor people. At its core, it's about individual empowerment and dignity.

This January, I took 50 senior executives from global corporations to India. As part of their learning experience, I invited Pankajam, one of the beneficiaries of Kudumbashree, the innovative microfinance program in South India, to tell us her story. Pankajam comes from tribal India. Tribal people are truly at the bottom of the pyramid — extremely poor and illiterate. Pankajam is no exception. She got a $15 loan ten years ago and Kudumbashree gave her training to start a micro enterprise, lease farming.

In a flurry of entrepreneurial activity over ten years, Pankajam moved from lease farming into dairy, then poultry, and then expanded her operations in all three. She put one daughter through college; that daughter later became a teacher. Another daughter is now in college, studying to become an accountant, and a third daughter is in high school, with aspirations to be a doctor. Though her initial loan was tiny, Pankajam successfully transformed the lives of her daughters.

But what was most impressive was how Pankajam herself was transformed.

In the U.S., we consider an income of $2 a day or less "poverty." But I define poverty as marginalization: powerless, voiceless, not free. Microfinance gave Pankajam a voice. Pankajam answered all the questions of the executives with a great deal of confidence. I confess she made better eye contact with the participants than do our Tuck MBAs! No doubt Kudumbashree gave Pankajam financial freedom, but it did much more. The last question that participants asked Pankajam was, "You have been in microfinance for 10 years. If you were to pick the number one good thing that happened to you, what would that be?" Pankajam hesitated and then said, "Perhaps the best thing is, without microfinance, Professor Govindarajan would not have invited me to come and address all of you today." Microfinance gave Pankajam an identity.

Nobel Laureate Professor Muhammad Yunus cuts a red ribbon at the opening ceremony of  the Grameen Branch on Monday 1, 2010.

There are many Americans who make much more than $2 per day and still feel marginalized. That is the reason Dr. Muhammad Yunus, the "father" of microfinance, won the Nobel Prize — not because microfinance is an ingenious finance scheme, but because it gave dignity and voice to poor people.
Since its beginning with Dr. Yunus in Bangladesh, the microcredit banking model has spread to more than 100 countries. Today, it has gained a foothold in the U.S. among poor neighborhoods in New York City.

This is reverse innovation: innovations from poor countries that can transform people in rich countries.
I asked participants to consider the following: Had Pankajam's father received a $15 loan, could she be a doctor, an accountant, or a teacher? Whose fault is it that Pankajam is illiterate? Is it her fault? She's plenty smart. She was certainly able to handle all the questions from senior executives from Fortune 500 companies with a great deal of ease.

Who causes poverty in this world? Poverty is not caused by poor people; it is imposed on them. It is an institutional failure: we deny poor people access to education, finance, and health. In some sense, therefore, all of us are collectively responsible for building institutions that will bring marginalized individuals into the mainstream.

Vijay Govindarajan is the Earl C. Daum 1924 Professor of International Business at the Tuck School of Business at Dartmouth. He writes a blog and a newsletter on innovation and execution.

If you "S.P.O.T." a Scam, do the "L.I.S.T."

(Petikan Artikel dari Malaysian Investors)

When you least expect it, you may be faced with an investment scam and even before you can draw your next breath, you may find yourself trapped! Investment scams always promise unprecedented returns beyond your wildest imagination. Delivered in a sweetest possible sales pitch, it can easily trap any unsuspecting prey. Even if you can avoid it, someone close to you may not. So how do you identify scams?

Do the S.P.O.T. test
Here are four simple tests you can apply whenever you are offered an "extremely high return with no risk" investment:
img_SPOT_1.jpg  img_SPOT_1a.jpg
     
img_SPOT_2.jpg   img_SPOT_2a.jpg
     
img_SPOT_3.jpg   img_SPOT_3a.jpg
     
img_SPOT_4.jpg   img_SPOT_4a.jpg
 If an investment offer fulfils the "S.P.O.T" test, do the "L.I.S.T":
img_LIST_1.jpg   img_LIST_1a.jpg
     
img_LIST_2.jpg   img_LIST_2a.jpg
     
img_LIST_3.jpg   img_LIST_3a.jpg
     
img_LIST_4.jpg   img_LIST_4a.jpg
   
Get them before they get you
Many people have been tricked into investing in scams. But the number that come forward to complain is small. Most would cite "bad luck" as the reason for their losses. This attitude only encourages scams to proliferate. If you come forward with information of a scam, you could help the SC get to them first before it gets its next victim who could be someone close to you.
 
Remember if you see the SPOT, do the LIST. If you identify a scam, let the SC Investor Affairs & Complaints Department know immediately at 03-6204 8999. 

Sabtu, Mac 13, 2010

Lagi Bank Koperasi Muncul


Ismail Sabri Yaacob menyaksikan pertukaran dokumen MoU antara Bank Rakyat yang diwakili Kamaruzzaman Che Mat (kanan) dengan Prof. Dr. Mohd. Ali Baharum bagi pihak Angkasa di Hotel Sheraton Imperial, Kuala Lumpur, semalam.

Petikan UtusanOnline
KUALA LUMPUR 12 Mac - Kerajaan telah menerima dua lagi permohonan untuk menubuhkan bank koperasi di negara ini selain Coop Bank yang dijangka ditubuhkan menjelang akhir tahun ini.
Menteri Perdagangan Dalam Negeri, Koperasi dan Kepenggunaan (KPDNKK), Datuk Seri Ismail Sabri Yaakob yang tidak mengulas lanjut berkata, pihaknya belum menerima permohonan rasmi penubuhan Coop Bank milik Angkatan Koperasi Kebangsaan Malaysia Bhd. (Angkasa).
Coop Bank merupakan bank koperasi ketiga di Malaysia selepas Bank Rakyat dan Bank Persatuan, sekiranya penubuhannya menjadi kenyataan.

''Coop Bank masih mempunyai masa (mengemukakan permohonan) kerana mereka meminta tempoh tiga bulan bagi menyiapkan segala dokumen yang berkaitan,'' kata Ismail Sabri.

Pada masa yang sama, beliau menambah, Bank Persatuan yang berpusat di Butterworth, Pulau Pinang dijangka beroperasi pada pertengahan tahun ini selepas segala syarat dan keperluan dipenuhi.

Ismail Sabri berkata, Coop Bank tidak akan bersaing dengan bank koperasi sedia ada kerana ia menawarkan kemudahan pinjaman kepada korporat dan bukannya orang awam.
Beliau berkata demikian selepas menyaksikan majlis menandatangani memorandum persefahaman (MoU) kad pelbagai guna koperasi antara Bank Rakyat dan Angkasa di sini hari ini.

Turut hadir ialah Pengarah Urusan Bank Rakyat, Datuk Kamaruzaman Che Mat dan Yang Dipertua Angkasa, Prof. Dr. Datuk Mohd. Ali Baharum.
Sementara itu, Mohd. Ali ketika ditemui berkata, pihaknya telah memohon kelulusan daripada Suruhanjaya Koperasi Malaysia bagi menubuhkan Coop Bank.
"Angkasa memenuhi syarat kecukupan modal berjumlah RM300 juta ditetapkan SKM untuk menjadi sebuah bank koperasi. "Syarat jumlah modal ini sudah pun dipenuhi dan kami bersedia menjadi bank koperasi ketiga di negara ini," katanya. Menurut Mohd. Ali, pihaknya telah mengadakan dua mesyuarat jawatankuasa pemandu bagi merangka kertas cadangan itu yang dijangka dapat disiapkan dalam tempoh tiga bulan lagi.

Katanya, Angkasa mempunyai pilihan untuk menubuhkan Coop Bank di mana jika didaftarkan melalui Suruhanjaya Koperasi Malaysia (SKM) mereka tidak tertakluk kepada Akta Perbankan dan Institusi Kewangan (Bafia) ."Kami akan lebih menumpukan perhatian kepada perbankan korporat. Coop Bank akan memberikan pinjaman kepada koperasi, dan koperasi pula memberikan pinjaman kepada orang perseorangan.
"Ini untuk mengelakkan kami daripada bersaing dengan dua bank koperasi yang sedia ada," katanya.

2bz4money: Saya menanti keputusan tambahan modal saham BR sebanyak 0.5 B pada April nanti, disamping memberi pertimbangan menambah modal saham BP sebanyak 10k..Bank Koop, masih baru dan tidak mempunyai track record dlm biz ini..

Khamis, Mac 11, 2010

Yang Terkaya Di Dunia..

    Malaysia has most number of billionaires in South-East Asia 

    By florenceasamy@thestar.com.my

    Published: Thursday March 11, 2010 MYT 8:51:00 PM

    PETALING JAYA: Malaysia has the most number of billionaires in South-East Asia with tycoon Tan Sri Robert Kuok leading the pack as the 33rd richest man in the world with a net worth of US$14.5bil (RM48.1bil).The former Sugar King, 86, was among nine Malaysians who made it into the 2010 Forbes List of the World’s Billionaires which listed 1,011 billionaires.He shared the 33rd spot with US-based Microsoft Corp’s Steven Ballmer.The Kuok Group patriarch, up from his 62nd spot last year, was also named the seventh richest man in Asia.

    The second-richest billionaire from South-East Asia after Kuok was at a distant 201st spot, from the Philippines.
    With a net worth of US$7.6bil (RM25.2bil), telecommunications giant Tan Sri Ananda Krishnan was listed as the 89th richest man in the world and the 14th richest in Asia. He shared the 89th spot with three others.Three other Malaysians made it into the top 300 list of billionaires with IOI Corporation Bhd’s Tan Sri Lee Shin Cheng, 70, ranked 189th with US$4.4bil (RM14.6bil).Hong Leong Group’s Tan Sri Quek Leng Chan and Public Bank’s Tan Sri Teh Hong Piow shared the 277th spot with their US$3.4bil (RM11.3bil).
    YTL Group executive chairman Tan Sri Yeoh Tiong Lay, 80, and family came in 421st with their US$2.3bil (RM7.6bil) family fortune while 58-year-old Tan Sri Syed Mokhtar Al-Bukhary of the Al-Bukhary Foundation was ranked 655th for his US$1.5bil (RM4.98bil).

    Berjaya Group’s Tan Sri Vincent Tan was ranked 828th with US$1.2bil (RM3.98bil) while Tan Sri Tiong Hiew King of Rimbunan Hijau Group was ranked 937th with his US$1bil (RM3.3bil). According to the latest list, Malaysia had the most billionaires in South-East Asia, followed by Indonesia which had seven, Singapore (four), Thailand (three) and the Philippines with two.

    The world’s top billionaire is Mexican tycoon Carlo Slim Helu and his family who edged out Microsoft founder Bill Gates with a net worth of US$53.5bil (RM177.6bil). Gates, who held the richest man in the world title for the past 14 years, came in second with US$53bil (RM176bil) while American Warren Buffett was third with US$47bil (RM156bil), the magazine said.

    The youngest billionaire is Facebook founder Mark Zuckerberg, 25, who is ranked 212th with US$4bil (RM13.3bil). For the first time, China (including Hong Kong) had the most number of billionaires outside the United States with 89. However, India had 10 of the 25 spots for Asia’s richest, the magazine said.

    “This year the world’s billionaires have an average net worth of $3.5bil (RM11.6bil), up $500mil (RM1.66bil) in 12 months. “The world has 1,011 10-figure titans, up from 793 a year ago but is still shy of the record 1,125 in 2008.”  According to Forbes, there were 97 new billionaires, of which 62 were from Asia, a vast majority of whom made their own money.  “Of the 97 new members, only 16% are from the United States. By contrast, Asia made big gains. The region added 104 moguls and now has just 14 fewer than Europe, thanks to several large public offerings and swelling stock markets,” the report stated. The report also points out that Americans only accounted for 40% of the world’s billionaires and that 13 members of last year’s list had died.

    Elak Penjawat Awam Jumud


    (Petikan dari UtusanOnline)
    PUTRAJAYA 9 Mac – Kerajaan akan mengkaji konsep Perkhidmatan Bukan Guna Sama (closed service) bagi mengelakkan penjawat awam menjadi jumud, kata Datuk Seri Najib Tun Razak.
    Perdana Menteri berkata, ini kerana para penjawat terbabit sudah terlalu selesa dengan kedudukan masing-masing akibat tidak dapat lagi meningkat dalam kerjaya masing-masing.
    “Jabatan Perkhidmatan Awam (JPA) perlu memberi lebih perhatian kepada (hal) ehwal pembelajaran berterusan, peningkatan kemahiran, perancangan kejayaan dan peluang meningkatkan kerjaya,” katanya.
    Beliau berkata demikian dalam amanatnya pada Majlis Perdana Perkhidmatan Awam Ke-11 di Pusat Konvensyen Antarabangsa Putrajaya (PICC) di sini hari ini.
    Najib berkata, para penjawat awam muda terutama yang terlibat tugas-tugas diplomasi dan rundingan antarabangsa perlu didedahkan dengan pengalaman yang secukupnya.
    “Melentur buluh biarlah dari rebungnya dan jangan melihat sebagai satu kerugian menghantar pegawai-pegawai muda ini untuk terlibat dengan rundingan antarabangsa kerana dengan cara ini sahaja mereka dapat menimba pengalaman.
    “Sehubungan itu, para penjawat awam hendaklah juga dari semasa ke semasa memahirkan diri dengan menguasai pelbagai bahasa,” katanya.
    Dalam pada itu, Perdana Menteri mengarahkan supaya satu kajian komprehensif dibuat terhadap penggunaan sistem ‘pool’ yang wujud sebagai alat tindakan pentadbiran bersifat menghukum.
    Katanya, elemen keadilan semula jadi (natural justice) iaitu hak untuk didengar dan dinilai secara berkecuali perlulah menjadi sebahagian daripada prosedur.

    Tidak harus terhad jabatan sendiri

    PUTRAJAYA 9 Mac – Datuk Seri Najib Tun Razak berkata, para penjawat awam tidak seharusnya memiliki mentaliti silo yang melihat kepentingan terhad kepada jabatan, agensi dan kementerian mereka sahaja.
    Menurut Perdana Menteri, sepatutnya penjawat awam menekankan kepada budaya bekerja sebagai satu pasukan dan saf yang kukuh merentasi silo atau kokun masing-masing demi kepentingan rakyat.
    ‘‘Barulah nanti kerajaan akan dapat menunaikan amanahnya untuk memberi khidmat kepada rakyat secara tuntas,” katanya.
    Beliau berkata demikian dalam amanatnya pada Majlis Perdana Perkhidmatan Awam Ke-11 di Pusat Konvensyen Antarabangsa Putrajaya (PICC) di sini hari ini.
    Najib berkata, penjawat awam juga perlu mendakap realiti berkhidmat untuk rakyat sebagai satu keluarga besar.
    ‘‘Maksud saya, janganlah ada budaya dan mentaliti keterpisahan antara penjawat awam dan rakyat yang selama ini hanya dianggap pelanggan.
    ‘‘Dalam erti kata lain, khidmat yang diberi hendaklah mencerminkan kesungguhan seperti mana kita ingin memberi yang terbaik kepada keluarga sendiri dan pastinya nanti laungan Rakyat Didahulukan tiba pada maknanya,” katanya.
    Kesimpulannya, beliau berkata, jika lapan tonggak perdana yang merangkumi empat tiang utama dan empat nilai asas yang diumumkan beliau sebelum ini dijunjung dan dipegang erat, ia akan memandu para penjawat awam, rakyat dan negara ke arah masa depan yang dicita-citakan bersama.

    2bz4money: Pembayar cukai terpaksa membayar gaji penjawat awam yg bilangannya melebihi 1.2 juta orang dan ada di kalangan mereka adalah 'free passenger' dapat gaji free dan elaun2 yg byk tapi tidak produktif serta tiada kreativiti. Terlalu byk outsourcing, sepatutnya dilakukan downsizing dan restructuring. Lebihan tenaga kerja perlu diserapkan ke sektor swasta yg lebih memerlukannya.  Semua 'CEO' kementerian, jabatan, badan berkanun, pihak berkuasa tempatan perlu ada KPI yg telus di mana rakyat menjadi penilai prestasinya..

    Rabu, Mac 10, 2010

    Bank Tempatan Naikkan BLR 0.25 peratus

    Petikan Berita Harian Online

    BANK tempatan menaikkan Kadar Pinjaman Asas (BLR) masing-masing semalam sejajar langkah Bank Negara Malaysia meningkatkan Kadar Dasar Semalaman (OPR) sebanyak 0.25 peratus, Khamis lalu.

    Mendahului senarai, Malayan Banking Bhd (Maybank) menyemak semula BLRnya daripada 5.55 peratus setahun ketika ini kepada 5.80 peratus setahun, berkuat kuasa hari ini.

    Bank terbesar tempatan itu berkata, kadar pembiayaan asas (BFR) Maybank Islamic Bhd, turut disemak semula daripada 5.55 peratus kepada 5.80 peratus.



    Presiden dan Ketua Eksekutif Maybank, Datuk Seri Abdul Wahid Omar, berkata semakan semula kadar faedah itu adalah berasaskan pelarasan dalam OPR.

    Sementara itu, CIMB Group mengumumkan peningkatan BLR dan BFR untuk CIMB Bank dan CIMB Islamic Bank sebanyak 25 mata asas daripada 5.55 peratus kepada 5.80 peratus, mulai hari ini.

    "Ia dibuat susulan pengumuman kenaikan OPR oleh Bank Negara sebanyak 25 mata asas, Khamis lalu," kata Ketua Eksekutif Kumpulan CIMB Group, Datuk Seri Nazir Razak.
    Dalam pada itu, RHB Banking Group menyemak semula BLR bagi RHB Bank dan BFR bagi RHB Islamic Bank daripada 5.55 peratus kepada 5.80 peratus setahun, berkuat kuasa hari ini.

    Hong Leong Bank Bhd dan Hong Leong Islamic Bank Bhd turut mengumumkan peningkatan BLR dan BFR kepada 5.80 peratus daripada 5.50 peratus berkuat kuasa esok.

    Asian Finance Bank (AFB) pula menyemak BFRnya daripada 5.50 peratus kepada 5.75 peratus, mulai hari ini.

    2bz4money: Seperti yg dijangkakan bank akan menaikkan BLR/BFR sejajar dgn kenaikan OPR oleh BNM.

    Selasa, Mac 09, 2010

    Rugi RM7,000 kerana RM70,000

                               Gambar rekod: Mangsa kekejaman penyangak 'Along'

    MyMetro 8/3/2010,KUALA LUMPUR: Terdesak mendapat pinjaman peribadi, seorang lelaki terpaksa berputih mata selepas diperdaya seorang ‘pegawai bank’ yang menguruskan pinjaman kewangan berkenaan.
    Difahamkan mangsa berusia lewat 30-an itu diminta menyerahkan RM6,500 sebagai pendahuluan iaitu syarat untuk mendapat pinjaman wang tanpa masalah dan akan diluluskan dalam masa tempoh seminggu. Namun, selepas menunggu beberapa minggu, wang pinjaman dijanjikan tidak diterima dan wang diberikan kepada suspek juga lesap.
    Mangsa yang mengesyaki ditipu lelaki menyamar sebagai pegawai bank itu kemudian membuat laporan polis. Menurut sumber, kejadian berlaku awal tahun ini apabila mangsa mahu membuat pinjaman RM70,000 dari sebuah bank.

    Menurutnya, mangsa mengenali lelaki itu melalui rakannya yang mendakwa boleh membantunya mendapatkan pinjaman wang dalam masa terdekat dan kelulusan yang mudah. “Kerana percaya mangsa kemudian bertemu dengan ‘pegawai bank’ terbabit di sebuah restoran di Desa Tasik di sini.

    “Dalam pertemuan itu, suspek meminta mangsa memberikan wang proses RM3,500 yang didakwa akan dipulangkan semula apabila pinjaman diluluskan,” katanya.

    Suspek menyerahkan cek RM3,500 kepada mangsa, kononnya membayar semula wang proses yang pernah dibayar mangsa sebelum ini.

    Sumber itu berkata, mangsa dihubungi suspek beberapa hari kemudian untuk meminta bayaran RM700 untuk melicinkan lagi proses pinjaman.

    “Selepas beberapa hari, mangsa dihubungi seorang pegawai bank memaklumkan permohonan pinjaman RM70,000 diluluskan.

    “Namun, mangsa terpaksa membayar RM2,500 kepada sebuah akaun bank. Dalam masa sama, ‘pegawai bank’ itu berjanji yang lelaki terbabit akan mendapat wang dipinjam dalam masa seminggu,” katanya.

    Kerana percaya, mangsa membayar jumlah wang seperti diminta lelaki terbabit dan memindahkan wang ke nombor akaun diberikan suspek.

    Sumber berkata, mangsa bagaimanapun mula curiga apabila selepas beberapa minggu, pinjaman wang dijanjikan masih tidak diterima.

    “Mangsa cuba menghubungi suspek, bagaimanapun lelaki terbabit gagal dihubungi.

    “Dia (mangsa) yang khuatir ditipu dua lelaki terbabit segera membuat pemeriksaan di bank pinjaman dilakukan dan kecewa dimaklumkan namanya tiada dalam senarai peminjam.

    “Mangsa juga bertambah yakin dia diperdaya suspek selepas gagal menunaikan cek RM3,500 yang diberikan sebelum itu,” katanya.

    2bz4money: Berhati-hatilah dengan situasi BCM (banyak, cepat & mudah)..ada penyangak sedang memasang perangkap!

    Isnin, Mac 08, 2010

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    Sabtu, Mac 06, 2010

    BLR Rise Unlikely to Hurt Borrowers

    The Association of Banks in Malaysia says the expected hike in banks' base lending rate will not hurt borrowers' cashflow or their repayment ability.
    "While the banks' respective base lending rate will be adjusted in tandem with the increase in OPR (Overnight Policy Rate), such potential adjustments would have already been taken into consideration in cases of floating rate borrowings which are pegged to the base lending rate," ABM's executive director Chuah Mei Lin said in a statement yesterday.

    "Accordingly, there is unlikely to be a strain on the borrowers' cashflow and repayment ability. Furthermore, our members will ensure that they continue to work closely with their customers to address all their financing needs."

    Bank Negara Malaysia raised the benchmark interest rate by 25 basis points to 2.25 per cent on Thursday. Banks have yet to raise the BLR following that, but it is understood that they are finalising the matter.

    Chuah said lenders are committed to do their part to ensure that viable borrowers will continue to have access to financial products and services to carry out and grow their businesses in everyone's interests. "Banks will also be offering more competitive rates to depositors," she said.

    The association is confident that the 0.25 per cent rise in OPR will continue to be supportive of economic growth in Malaysia.

    The OPR remains low if compared to the level prior to the reduction of the OPR to its historic low in early 2009 as a key stimulus in the face of a severe global economic downturn, ABM said.

    It emphasised that the increase will not impede access to financing, or affect the industry's lending activities.

    "As the Malaysian economy strengthens further, we are of the view that spending by households and businesses are likely to grow. This is supported by the stability of the labour market and increased confidence among consumers and businesses," said Chuah.





    More OPR hikes ahead, says Kenanga Research
    Written by Kenanga Investment Bank research   
    Friday, 05 March 2010 10:48
    KUALA LUMPUR: Kenanga Investment Bank research believes the central bank's decision to raise the overnight policy rates by 25 bps to 2.25% (from 2.0%) could be a prelude to "further increases in the coming 12 months".

    It said on Friday, March 5 the impact of the rate hike on the banks depends on the inter-bank rates;  base lending Rates + variable-rate loans, fixed-rate loans and sector risk.

    It said Malaysian banks have more assets sensitive balance sheet, going forward earning is skewing toward the upside. Net interest margins (NIMs) are likely to expand as asset yields re-price faster than cost of fund.

    The immediate impact of OPR hike is inter-bank rate. The research house said it sees possibility of interbank rates increase by 25bps from March onward.  We believe Hong Leong Bank with the lowest loan to deposit ratio of 53% is the biggest beneficiary on this front.

    "Besides inter-bank rates, we believe BLRs should increase in tandem with OPR by 25 bps to re-price the current BLR-based loans. Rate hike would increase average lending rates.  Banks with higher portions of variable-rate loans should fare comparatively better.  Among the banks, Hong Leong Bank (81% of total), Public Bank (73%) and Maybank (73%) have the highest portion of variable-rate loans," it said.

    Kenanga research   said fixed-rate loans such as hire purchase may not re-price for five to seven years. AMMB (57% of total) and EON (43%) are biggest losers with the highest portion of fixed-rate loan.  Government-linked banks, namely Maybank and CIMB, fare comparatively better than consumer banks, owing to larger low-cost deposit bases and variable-rate loan portfolios.

    It noted that the duration of investment and dealing securities, namely bonds, is difficult to determine from the limited disclosures. Banks under its coverage suggests that their respective managements have been anticipating a rate hike and would position themselves accordingly.  However, it expects investment banks, that is CIMB and AMMB would face substantial mark-to-market losss pressure.

    On the overall, Kenanga Research believed the rate hike would have positive impacts to the banks’ earning.  

    Jumaat, Mac 05, 2010

    Rakyat diminta Manfaat Internet Jana Pendapatan

    Oleh Abdul Razak Raaff dan Rosli Abdul Jalil
    bminggu@bharian.com.my

    PEKAN: Datuk Seri Najib Razak meminta rakyat memanfaatkan sepenuhnya laman sosial internet yang semakin popular di kalangan masyarakat negara ini bagi menjana ekonomi menerusi perniagaan secara atas talian (online).

    Perdana Menteri berkata laman sosial seperti Facebook, Myspace, Twitter dan Friendster bukan hanya untuk bersuka-suka atau aktiviti sosial.

    “Saya meminta masyarakat tidak hanya menggunakan internet atau jalur lebar untuk kegunaan sosial tetapi juga menggunakan kemudahan ini untuk mempertingkatkan ekonomi masing-masing dengan menjalankan aktiviti perniagaan secara online,” katanya ketika berucap melancarkan Tanjung Agas Real-Time Broadband (TARB) Tanjung Agas Technology Sdn Bhd, di sini, semalam.


    Turut hadir Tengku Muda Pahang, Tengku Abdul Rahman Sultan Ahmad Shah yang juga Pengerusi Tanjung Agas Technology Sdn Bhd (TATSB) dan Menteri Besar Pahang, Datuk Seri Adnan Yaakob.

    Najib berkata, banyak laman sosial atau sesawang tempatan boleh digunakan untuk menjalankan perniagaan atau mencari maklumat yang lebih bermanfaat untuk menjana ekonomi dan perniagaan.

    “Sejajar dengan tahun inovasi kali ini, rakyat seharusnya berinovasi untuk membangunkan ekonomi dan taraf hidup melalui teknologi komunikasi maklumat (ICT ) dan jalur lebar berkelajuan tinggi (HSBB),” katanya.
    Najib juga meminta supaya pengguna internet tidak menyalahgunakan laman sosial bagi tujuan memfitnah atau memburukkan pihak lain.

    “Infrastruktur dan perkhidmatan moden saja tidak memadai dan ia perlu digunakan sebaik-baiknya oleh orang ramai dan janganlah disalahgunakan termasuk menabur fitnah,” katanya.

    Najib berkata, hanya beberapa hari lalu, laman Facebooknya mencapai lebih 100,000 peminat, membuktikan masyarakat negara ini sememangnya gemar berhubung.

    Fuel Prices Set to Rise

    Friday March 5, 2010

    By danny@thestar.com.my

    PETALING JAYA: The Government is likely to revert to slight increases in fuel prices over time now that it has been officially announced that the proposed two-tier fuel subsidy scheme based on vehicle engine capacity has been scrapped, analyst and economists say.
    The proposed fuel subsidy scheme was originally set to be implemented on May 1.
    Maybank Investment Bank analyst Mohd Khair Mirza said: “We may see an increase of about 10 sen in petrol prices post May 1.” He added that it was the only viable option for the moment unless the Government came out with a better fuel subsidy scheme.
    Mohd Khair said the two-tier fuel subsidy scheme proposed in theory appeared good on paper but issues such as implementation and enforcement were questionable.
    He said: “At least with the slight increase in fuel prices over time it is applied across the board and the Government is able to close the gap on the fuel subsidy which remains unsustainable.”
    Mohd Khair said that based on US$80 per barrel of crude oil, the Government was currently subsidising fuel at the pump at around 40 sen per litre.
    An economist from a rating agency said although the proposed two-tier fuel subsidy scheme has been scrapped, it should not deter the Government from continuing to look for other schemes that were more practical and viable.
    He said a viable scheme should meet two objectives – ensure the hardcore poor are not badly affected and address the fuel subsidy.
    A local economist from a broking house said the Government’s decision to scrap the proposed two-tier fuel subsidy scheme based on vehicle engine capacity came as no surprise.
    “We figured it (scrapping of the scheme) would happen. There was a lot of talk that the subsidy scheme was not practical, despite a lot of effort by the Government to implement it,” he said.
    The economist believed some individuals were waiting to exploit the scheme (if implemented) thinking they could benefit from the scheme.
    “Thankfully the Government realised the proposed subsidy scheme was not foolproof and decided to scrap it,” he said.

    Khamis, Mac 04, 2010

    OPR Naik..BLR/BFR Akan Menuruti Jejak..

    Bank Negara raises OPR by 25bps, first central bank in Asia to hike

    KUALA LUMPUR, March 4 — Bank Negara raised interest rates by 25bps from the record low of 2 per cent, making it the first central bank in Asia outside Australia to hike, and bucking expectations for a hold in rates.

    Five of the 13 economists in a Reuters poll had expected a 25bps hike, following the central bank’s comments of having to “normalise” rates to avoid financial imbalances, with the majority only expecting a hike in May.

    Bank Negara said prices would gradually increase during the year, reflecting the prevailing economic conditions and taking into account possible adjustments in administered prices.

    “The stronger growth performance in the fourth quarter of 2009 affirms that the economic recovery is firmly established. Going forward, growth is expected to strengthen further, supported by domestic demand and continued improvement in external demand,” the central bank said in a statement. — Reuters

    Tunai Solat, Rezeki Jadi Berkat



    Rezeki Kamariah Saad semakin bertambah sejak mengusahakan kedai makan yang diusahakan di Rawang, Selangor.



    FIRMAN Allah SWT yang bermaksud tidak akan merubah nasib sesuatu kaum itu, sehinggalah mereka sendiri bangun dan merubah apa yang ada pada diri mereka (ar-Ra'd: 11) benar-benar menjadi prinsip kepada Kamariah Saad, 48.
    Beliau adalah model ibu tunggal yang tidak pernah menyerahkan dirinya kepada takdir. Bahkan dirinya diasuh sedari awal, bahawa untuk hidup maka usaha harus diiring doa dan tawakal.
    Janji Allah itu maha benar, usaha yang gigih, pasti kejayaan yang ditagih, kelak juga diimbuh dengan kurniaan rezeki yang kadang kala tidak tertahan-tahan lagi datangnya, silih ganti bertimpa-tindih.

    Bercerita lanjut, menurut Kamariah, pada tahun 2008, namanya disenaraikan untuk menerima bantuan kewangan.
    Ketika itu, majlis dirasmikan oleh isteri Menteri Besar Selangor. Semasa berucap, beliau ada berkata bahawa salah satu amalan yang membuka pintu rezeki ialah solat dhuha.
    "Apabila pulang, pesanan itu terngiang-ngiang di gegendang telinga saya. Saya jadi yakin dan semenjak dari hari itu sehinggalah kini, saya tidak pernah meninggalkan solat dhuha. Seboleh mungkin, saya akan menunaikannya.
    "Alhamdulillah, benarlah ustaz bahawa solat dhuha memang membuka pintu rezeki. Ia terbukti apabila saya dapati, rezeki kami anak-beranak semakin melimpah-ruah," katanya.
    Petikan UtusanOnline 4/3/10 ..Kisah Lanjut

    Rabu, Mac 03, 2010

    Fikir Cara Kreatif


    Oleh Hayati Ibrahim dan Syarifah Dayana Syed Bakri
    am@hmetro.com.my
    2010/03/02

    PUTRAJAYA: “Jangan merungut bila bajet dipotong, tetapi ambil sikap
    positif dan cari jalan bagaimana objektif (pelaksanaan sesuatu program)
    boleh dicapai dengan perbelanjaan minimum,” kata Perdana Menteri, Datuk
    Seri Najib Razak, semalam.

    Najib berkata, setiap program yang dilaksanakan boleh mencapai matlamat
    yang diingini walaupun dengan bajet rendah jika sesuatu jabatan kerajaan
    bijak mengendali perbelanjaan dan berfikir secara kreatif bagi menjimatkan
    penggunaan bajet yang diperuntukkan.

    “Banyak jabatan, apabila kerajaan potong perbelanjaan, dia merungut...
    membebel, tapi sebenarnya kalau ambil sikap positif, dia (jabatan
    kerajaan) cari jalan macam mana objektif (pelaksanaan) program dapat
    dicapai dengan perbelanjaan minimum.

    “Ini dapat membantu proses pemulihan ekonomi negara. Apabila defisit
    kerajaan dapat dikurangkan daripada 7.4 peratus atau tujuh peratus kepada
    5.6 peratus dan sebagainya tahun ini, kita akan meletakkan asas lebih
    mantap dan kukuh pada ekonomi negara dan dari situ kita boleh melonjak
    (negara) pada tahap yang lebih tinggi,” katanya ketika berucap pada
    perhimpunan Jabatan Perdana Menteri (JPM), di sini, semalam.

    Turut hadir, Timbalan Perdana Menteri, Tan Sri Muhyiddin Yassin.

    Najib berkata, contoh terbaik projek atau program yang berjaya
    dilaksanakan dengan menggunakan peruntukan terhad adalah penubuhan Klinik
    1Malaysia apabila kerajaan hanya mengeluarkan perbelanjaan RM10 juta bagi
    membuka 50 Klinik 1Malaysia di seluruh negara.

    “Satu lagi contoh, sambutan Maulidur Rasul (peringkat kebangsaan) tahun
    ini. Saya difahamkan menteri agama (Datuk Seri Jamil Khir Baharom) apabila
    kerajaan mengurangkan bajet sambutan dari RM2.2 juta kepada RM500,000,
    mereka tidak merungut sebaliknya mereka buat program di Masjid Putra (di
    Putrajaya).

    “Bila buat dalam masjid belanjanya hanya RM500,000, berkat pun lebih, bila
    buat dalam masjid, belanja kurang dan saya rasa dari segi signifikan
    majlis itu boleh dikatakan sama juga dengan perbelanjaan RM2.2 juta.
    “Malah, lebih lagi sebab kita berada dalam masjid dan semua akan terasa
    kesucian masjid itu. Walaupun kecil (peruntukan yang diberikan), tetapi
    mereka tidak merungut,”katanya.

    Dalam perkembangan lain, Najib berkata, jentera pentadbiran kerajaan perlu
    menggandakan usaha bagi mencapai sasaran pertumbuhan ekonomi negara
    sebanyak enam peratus tahun ini.

    “Saya tak fikir ini satu yang di luar kemampuan, saya yakin kalau kita
    bekerja dengan bersungguh-sungguh, dari mula kita buat perancangan
    strategik, melahirkan idea bernas, membuat perancangan teratur dan
    pelaksanaan berkesan serta memantau kelemahan dan kekuatan kita, saya
    percaya kita dapat melakukan sesuatu yang di luar jangkaan.

    “Umpamanya dari segi usaha kita memulihkan ekonomi, kita sudah
    memperkenalkan dua pakej rangsangan ekonomi dan di dalamnya ada 113,000
    pelbagai projek, cuba bayangkan 113,000 projek dari yang besar hingga
    kecil sudah dilancarkan kerajaan. Memang sebelum ini sukar bagi kita
    gambarkan kemampuan, tetapi kita sudah buat,” katanya.

    2bz4money: Banyak komitmen perbelanjaan terpaksa dikurangkan..walaupun perit dan merungut' tapi terpaksa..agar cukup bersedia menghadapi fenomena kenaikan harga nanti..

    Selasa, Mac 02, 2010

    Workers will Spend Average RM558 a year on GST


    Workers will spend average RM558 a year on GST: Guan Eng
    by Himanshu Bhatt -Sun2Surf

    GEORGE TOWN (Feb 25, 2010): The Federal Government has been cautioned that its decision to introduce the Goods and Services Tax (GST) next year will increase the financial burden on Malaysian workers, with each individual needing to fork out an average of RM558 a year for the tax.

    In saying this, Chief Minister Lim Guan Eng urged the Federal Government not to impose the GST, which is expected to be enforced at the rate of 4%, to prevent the country’s 12 million-odd workers from being further stressed amid an impending inflation scenario.

    Noting that the GST would cause new taxes totalling about RM6.7 billion from consumers, he calculated that each worker on the average would be required to part with RM558 every year due to the GST.

    In particular, 85% of the Malaysian workforce, who currently earn less than RM3,000 a month and therefore do not have income tax payments, would be required to make new tax payments with the GST.

    “Due to exemptions and rebates, those having monthly salaries below RM3,000 effectively do not have to pay anything for their income tax,” he said.

    “But with the GST, these people who did not have to pay tax before, will have to do so. That is why we hope the GST will not be imposed,” said Lim.

    Lim, who is also the Penang Development Corporation (PDC) chairman, said this while officiating at a Chinese New Year gathering for staff at PDC here today.


    Updated: 06:03PM Thu, 25 Feb 2010

    Isnin, Mac 01, 2010

    ALWAYS ASK, NEVER ASSUME !!




    www.FunAndFunOnly.org


    His request approved, the CNN News photographer quickly used a cell phone to call the local airport to charter a flight.

    He was told a twin-engine plane would be waiting for him at the airport.

    Arriving at the airfield, he spotted a plane warming up outside a hanger.

    He jumped in with his bag, slammed the door shut, and shouted, 'Let's go'.

    The pilot taxied out, swung the plane into the wind and took off.

    Once in the air, the photographer instructed the pilot, 'Fly over the valley and make low passes so I can take pictures of the fires on the hillsides.'

    'Why?' asked the pilot.

    'Because I'm a photographer for CNN' , he responded, 'and I need to get
    some close up shots.'

    The pilot was strangely silent for a moment, finally he stammered, 'So, what you're telling me, is . . . You're
    NOT my flight instructor?' 

    www.FunAndFunOnly.org Life is short.......
    Someone said:
    When you ASSUME = you make an ASS out of U and ME....
      
    2bz4money: Petikan emel di atas yg diterima pada 27/2/2010 betul2 terjadi kat saya hari ni. Cuma saya bukan pilot atau reporter tu. Hari ni saya telah dijemput memberi taklimat kepada peserta yg kebiasaanya diadakan di Hotel Residence. Jadi saya tunggulah dan akhirnya mendapati lokasi telah berubah berikut dgn langkah penjimatan...terpaksalah terkejar2 hari ini atas sebab 'assumption' tanpa melihat lokasi sebenar dalam surat jemputan penceramah..




    Gold Bubble Set To Burst In 2010

    Author : iFAST Research Team

    In this article, we will analyse the main reason of the recent gold rally and why the gold price is overvalued based on the fundamentals. We recommend investors to sell the funds which mainly invest in the gold futures.

    KEY POINTS

    • The sharp increase of gold price in 2009 was primarily driven by dollar depreciation and speculation. 
    • Basic demand on gold recorded a substantial decline in the first three quarters of 2009.
    • Central banks’ buying is by no mean justify the high gold price because there were only few central banks to participate into the market and the volume of the buying was insignificant.
    • 1-year gold forward price implies the gold price would move horizontally over a period of time.
    • The gold price would then experience a nasty correction should the Federal Reserve starts to raise interest rates.
    Therefore, we recommend investors to sell funds with exposure to gold.
    The international gold price once surpassed US$1200 per ounce in December 2009, hitting a historical high without factoring in inflation. The gold finished 2009 up by 24.4%, its ninth consecutive annual gain. Gold price was propelled by the
    depreciation of the US dollar and the worries on potential inflation. The continuous uptrend in gold price reinforced the bullish sentiment and provided more incentives for investors to speculate on gold.



    Downward Risk Is High For Gold Price
    Apart from the expensive price, there are some other negative factors on gold. In fact, we don’t see any threat of hyperinflation. The breakeven rate for 10-year US Treasury, which is an indicator of inflation expectation, was at moderate level of 2.3% as of 31 January 2010. In addition, global economy has just started to recover and investors have regained their risk appetite. Hence, the demand for riskier assets has increased. Coupled with the weak demand for gold, gold price is likely to correct down.
    Chart 5 shows that the gold-forward prices have continued to drop since December 2009. It implies that the market expects the gold price to drop in the future and thereby investors have been selling forward contracts. The decrease in gold forward rate may also reflect that investors have started to reconsider the gold’s fundamentals and the negative factors such as the rate hike in US which would probably drag down the gold price. As at 29 January 2010, 1-year gold forward price was US$ 1088, indicating that gold price will remain vulnerable for 2010.

    Besides, investors should note that gold does not provide interest income. If the Federal Reserve starts to raise interest rates, investors will re-embrace the US dollar and re-price on gold. The gold price would then experience a nasty correction. Therefore, we recommend investors to avoid funds with exposure to gold. Investors can consider selling funds with holdings of gold equities .

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