Hai rakan-rakan senegara,
Di sini saya ingin berkongsi dengan semua yang tidak puas hati dengan rakyat bukan Melayu. Bapa saya berketurunan Cina generasi yang ke-6 di Kelantan dan kami dikategorikan sebagai Cina peranakan. Ibu saya berketurunan Siam yang sememangnya dikategorikan sebagai bumiputera kerana memang dalam sejarah, Kelantan suatu masa dahulu dimiliki oleh kerajaan Siam, dan dihadiahkan oleh Raja Chulalongkorn kepada British yang menjajah Tanah Melayu bersama dengan Pulau Pinang, Terengganu, Kedah dan juga Perlis sebagai tanda persahabatan. Bermakna memang tanah tumpah darah kaum Siam lah negeri Kelantan nih. Di Kelantan, Cina peranakan memang memilih loghat Kelantan sebagai bahasa perantaraan dan kami semua berkawan dengan kaum Melayu dan membesar di perkampungan Melayu. Malah sehingga sekarang saya merantau ke negeri orang, bersama rakan-rakan Melayu dan Cina peranakan, kami hidup susah senang bersama seperti adik-beradik. Malah di Kelantan ayah-ayah kami juga adalah rakan karib, pendek kata persahabatan kami telah akrab dari generasi sebelumnya.
Musim perayaan kaum Cina pula kami sediakan makanan tempatan seperti nasi dagang, gulai kawah yang dimasak oleh orang Melayu dan pengunjung pula kebanyakannya rakan-rakan Melayu dari merata tempat. Cina peranakan Kelantan memang seronok menghayati makanan tempatan seperti budu, ulam dan ikan bakar, terasa asyik pula dengan bahasa Melayu loghat kelantan, malah ada di kalangan kami yang memang tidak tahu berbahasa Cina kerana dari kecil berbahasa Melayu seperti bapa saya sendiri. Kami seolah-olah telah lupa yang nenek moyang kami datangnya dari tanah besar cina disebabkan diri saya dah pun keturunan yang ke-7.
Maka bolehkah saya ini dikira bumiputera? sedangkan sesetengah orang Melayu yang baru datang dari indonesia dua tiga generasi telah dikira bumiputera. Saya bukannya hendak menuntut untuk menjadi bumiputera seperti kaum Melayu, tetapi saya hanya ingin berkongsi situasi saya kerana ramai yang kurang memahami keadaan sebenar di negara kita ini. Bukan semua kaum Cina baru berlabuh kat Malaysia. Sebab nenek moyang saya datang sebelum Laksamana Cheng Ho yang berlabuh di Melaka, malah sebelum Laksamana Cheng Ho berlabuh di Melaka, beliau telah singgah di pantai Bachok, kerana beliau dapat tahu bahawa ada kaum Cina yang telah lama menetap di sana.
Mengikut sejarah, kaum Cina juga bukannya datang selepas perjuangan kaum Melayu, tetapi kaum Cina telah berjuang bersama kaum Melayu menentang Jepun ketika perang dunia ke-2. Kaum Cina juga menentang British, dan sama-sama menuntut kemerdekaan pada tahun 1957. Sebab itulah kaum bukan Melayu tetap diterima oleh Melayu pada masa itu.
Memang tidak dinafikan ada segelintir kaum Cina yang extream, terlalu taksuk dengan kecinaan mereka itu dan bersungguh-sungguh mempertahankan sekolah Cina mereka. Dari sini terlintas pula tanda tanya mengapakah sekolah Cina dan Tamil dibuka? Ianya buah fikiran British supaya adanya sekolah cina, melayu dan india supaya kita tidak bersatu. Dan hasilnya seperti hari ini, terbahaginya kaum Melayu, Cina dan India. Apabila di sekolah rendah, guru masing-masing mengajar anak murid masing-masing pro kaum masing-masing. Anak-anak dari kecil tidak dibenarkan bergaul dengan kaum lain. Sehingga terjadilah perpecahan kaum di negara. Mengapa pula buah fikiran British ini masih diamal sedangkan British telahpun balik ke kampung asal mereka? Inilah yang UMNO sedang gunakan iaitu dasar pecah dan perintah yang telah membolehkan UMNO berkuasa selama ini.
Apabila telah biasa diajar supaya pro perkauman, memang tidak akan wujudlah perpaduan antara kaum sedangkan jika dididik semenjak di bangku sekolah, memang anak-anak Malaysia akan jadi akrab antara satu sama lain. Seperti di negara dunia pertama, mana ada perpecahan kaum ataupun sekolah Cina, sekolah afrika, sekolah orang putih? Di Thailand pula mana ada orang Thai yang berketurunan Cina mengaku dirinya Cina? Bagi mereka diri mereka ialah Thai, jika mereka digelar Cina bermakna mereka rakyat negeri Cina. Begitu juga di Malaysia, saya tidak ingin digelar Cina sebab jikalau saya pergi ke negeri Cina pun orang sana bukanya menerima saya sebagai saudaranya, mereka akan memanggil saya orang MALAY. Sebab dari Malaysia. Kami berharap sangat dapat menjadi Bangsa Malaysia sepenuhnya dan bukannya harap sangat nak merebut hak orang Melayu nih walaupun kami membayar cukai yang sama malah lebih banyak dari orang melayu. Memang kami amat bersyukur dapat menetap di bumi ini tetapi tidak perlu diulang kata-kata yang kami ini datang untuk mengemis kerana ramai lagi Melayu juga pendatang yang lebih lewat daripada kami.
Ini bukan topik perkauman, tetapi saya ingin menghalusi setiap aspek negatif perkauman agar boleh difahami dan dikongsi bersama. Kalau tak percaya tanyalah saudara-saudara Melayu saya ini...(cuba teliti bahasa saya tidak kurang pun dengan orang Melayu sendiri)
Sekian terima kasih
Monday, June 30, 2008
Saturday, June 28, 2008
PAS tidak akan kekal
Sememangnya benar bahawa UMNO tidak layak untuk mentadbir negara. Tetapi rakyat juga kurang yakin dengan kemampuan Pakatan Rakyat kerana berlaku banyak percanggahan idea antara parti komponennya. PAS ialah sebuah parti yang berasaskan agama Islam, sedangkan ramai lagi rakyat yang bukan Islam. Memang mustahil bagi PAS untuk menguasai negara, ianya bercanggah dengan kedudukan negara yang pelbagai kaum dan agama. Begitu juga dengan UMNO yang berunsurkan kaum Melayu. Parti yang akan mentadbir pada masa akan datang hanyalah parti pelbagai kaum dan bukannya parti yang berfikiran sempit. Pemimpin-pemimpin parti haruslah berfikiran terbuka, pandanglah setiap aspek dalam negara, bukan sekadar melihat kepentingan pada diri sendiri. Parti yang berunsur perkauman dan agama adalah parti yang mementingkan diri-sendiri. Parti sebegini hanya mementingkan kaum dan agama mereka sendiri tanpa mengambil kira kaum dan agama yang lain. Sebaliknya mereka menganggap kaum lain hanya datang menumpang di bumi mereka. Agama Islam juga datangnya dari tempat lain, orang Melayu juga datangnya dari tempat lain, jadi tiada bezanya semua rakyat Malaysia. Ada pula mereka yang dengki dengan pencapaian kaum lain di negara ini dengan menganggap kaum lain itu hanya mengemis di bumi ini, mungkin mereka ini terlalu pentingkan diri sehingga kebuntuan, mereka tidak tahu dari mana economi negara dijanakan, mereka tidak memahami mengapa kaum lain ditawarkan kerakyatan pada tahun 1957, sekiranya kaum lain itu tidak ada kepentingan, masakan pemimpin masa itu memberikan tawaran tersebut? Itulah yang seharusnya difahami dan semua rakyat adalah Bangsa Malaysia. Selagi perkara ini masih belum difahami oleh rakyat maka masih jauh lagilah perjuangan kita.
Corrupted country
What is the weakness of the people? They are weak because they don’t have knowledge, and don’t even know their rights. What about our country’s intelligent and the genius? They all migrated to overseas and serve other country. Who cares? Malaysia don’t even appreciate their existence, because the ruling party only appreciate their race and always support them with the money of the tax payers which is 90% paid by other races. The country not only lost their quality human capital but also promote nepotism. This practice will cause inefficiency on our country’s economy and also will affect the future of the people. Some people said if somebody going to offer a million of cash to you just to support our existing PM and his son in law, you will also be the same as them. But I still wonder why first world country doesn’t be the same? Why Singapore can be corruption free? If our country administration does not aware of corruption, what if suddenly any tycoon in the world buys over our administrators and makes Malaysia as their private property? It will definitely happen if our existing administration keeps on so called “duties”. Even the next generation of KJ and AAB will be the victim like the people of the corrupted country. This is not the mistake of the people who choose the ruling party because they were force to do so as there is not much option in General Election. Both option were corrupted, can’t be trusted. Our country need a new party with a good leader, good vision and sincere in handling people's fund.
Friday, June 27, 2008
Start Saving For Your Future
SET aside some money for yourself first when you get your pay cheque, that is the advice given by a chartered financial consultant so that you can retire as a millionaire.
K.H. Tan said the idea of “paying yourself first” was good and should start early in one's working life.
“Paying yourself first means before you settle the bills or spoil yourself on designer coffees, you set money aside for yourself. Now this isn't cash to splurge but cash to save for the future,” he said.
Tan, 38, added that many young executives who had attended his financial seminars felt it difficult to set money aside for themselves.
“Salary adjustments, increments and bonuses are earned. No matter how much you earn, you must force yourself to set aside an amount for retirement. If you don't do it, nobody else will,” he said at his recent I Can Be a Millionaire seminar.
However, Tan said: “Human nature makes it difficult as people think they don't have enough to pay themselves first because there's always something to spend the annual salary increase on.
“We advice many to start on a small sum instead of a ambitious sum.
“As income grows, increase the savings and to make the pay your self first effective, the process has to be automatic. Apply for an automatic bank transfer to take effect each time your income is credited to your account,” he added.
Tan's business partner P. Utama Raj strongly believes in the pay yourself idea and suggest that young executives request their employers transfer a fixed percentage of their income from their monthly pay to an investment portfolio.
“By doing so, the process becomes automatic and it makes it easier to hit that million ringgit mark due to the consistent monthly deposits and power of compounding interest,” he said.
Raj, 35, added that young executives must avoid incurring credit- card debts and spend wisely.
“One good approach to spend wisely is to use cash whenever possible.
“Being discipline does not mean a lack of a social life or depriving oneself of every shopping urge.
“We must keep our spending habits within reason thus exercising delayed gratification,” he said.-EDWARD RAJENDRA
K.H. Tan said the idea of “paying yourself first” was good and should start early in one's working life.
“Paying yourself first means before you settle the bills or spoil yourself on designer coffees, you set money aside for yourself. Now this isn't cash to splurge but cash to save for the future,” he said.
Tan, 38, added that many young executives who had attended his financial seminars felt it difficult to set money aside for themselves.
“Salary adjustments, increments and bonuses are earned. No matter how much you earn, you must force yourself to set aside an amount for retirement. If you don't do it, nobody else will,” he said at his recent I Can Be a Millionaire seminar.
However, Tan said: “Human nature makes it difficult as people think they don't have enough to pay themselves first because there's always something to spend the annual salary increase on.
“We advice many to start on a small sum instead of a ambitious sum.
“As income grows, increase the savings and to make the pay your self first effective, the process has to be automatic. Apply for an automatic bank transfer to take effect each time your income is credited to your account,” he added.
Tan's business partner P. Utama Raj strongly believes in the pay yourself idea and suggest that young executives request their employers transfer a fixed percentage of their income from their monthly pay to an investment portfolio.
“By doing so, the process becomes automatic and it makes it easier to hit that million ringgit mark due to the consistent monthly deposits and power of compounding interest,” he said.
Raj, 35, added that young executives must avoid incurring credit- card debts and spend wisely.
“One good approach to spend wisely is to use cash whenever possible.
“Being discipline does not mean a lack of a social life or depriving oneself of every shopping urge.
“We must keep our spending habits within reason thus exercising delayed gratification,” he said.-EDWARD RAJENDRA
Siapakah PM Baru?
Saya percaya suatu perubahan yang mendadak akan berlaku dalam dunia politik negara pada masa yang singkat ini sekiranya Abdullah terus dengan cita-citanya. Perubahan tersebut sedang berlaku di bawah selimut, dan akhirnya BN akan hancur. Perubahan yang bukan disebabkan oleh pembangkang, sebaliknya daripada mereka yang selama ini terpendam, tidak bersuara tetapi bersemangat. Semangat mereka ini malah melebihi pembangkang dan lebih ikhlas. Mungkin anda mengenali mereka-mereka ini. Sekiranya Tun dapat bekerjasama dengan mereka-mereka ini, Abdullah akan mengalah dengan sendirinya. Saya kurang pasti samada siapakah yang layak menjadi PM selain Tun, tetapi sekiranya UMNO masih bersikap seperti hari ini, maka tiada seorang pun yang layak. Mungkinkah PM yang akan datang bukan dari UMNO? Mungkinkah PM yang akan datang bukan Melayu? Saya percaya sekiranya ia menjadi kenyataan, ini akan menjadi mimpi ngeri kepada kaum Melayu, kerana minda Melayu belum cukup bersedia menghadapi kebenaran dan persaingan. Disember ini yang dinanti-nantikan oleh rakyat jelata, agar dapat mengenali presiden baru UMNO atau PM baru kita, mungkin akan mengecewakan kerana Abdullah tetap akan menang. Tidak mustahil, walaupun rakyat tidak menerima pemimpin ini, tetapi para perwakilan tetap sayang kepada Abdullah kerana beliau tidak sebodoh babi. Abdullah tidak akan berdiam tunggu masa untuk disembelih. Senang sahaje, sekadar pendamkan nafsu tamak dalam kepala mereka, beliau hanya perlu menabur janji untuk memberi projek kepada para perwakilaan dan sekaligus amanah rakyat telah dibeli atau ditipu. Orang tamak selalu akan rugi, cita-cita nak 10juta, masa depan anak-anak menjadi taruhan. Inilah sikap orang kita.
Malaysia Yang Akan Datang
1) Tiada perpecahan kaum, hanya bangsa Malaysia tetapi dengan agama dan tradisi asal yang unik. Bebas beragama, bebas bertutur.
2) Hanya satu jenis sekolah iaitu sekolah kebangsaan, tetapi pelajar bebas untuk memilih pelajaran bahasa masing-masing. Para pelajar semua adalah anak Malaysia.
3) Rakyat Malaysia bebas berbahasa.
4) Tiada polisi bumiputera atau non-bumiputera, setiap rakyat yang dilahirkan di Malaysia ialah anak Malaysia. Bukan anak Cina, bukan anak India, bukan anak Melayu dan bukan anak asli. Generasi kita yang lepas telah banyak berjasa kepada negara dan jasa mereka tidak dapat diukur, tiada yang lebih tiada yang kurang. Pulangan daripada jasa mereka harus dibahagikan sama rata.
5) Peluang pembelajaran yang lebih terbuka. Tidak terkongkong dengan agenda politik. Peluang pembelajaran yang tidak terhad.
6) Menjadi negara yang mesra pelabur. Pelabur tidak terkongkong dengan polisi yang tidak berasas, yang tidak stabil disebabkan ketidakstabilan politik (politik yang tidak matang) negara. Dengan itu peluang pekerjaan juga bertambah, peluang perniagaan turut meningkat. Kewangan juga akan kukuh.
7) Kehakiman yang tidak diragui. Keadilan yang tidak mengenali kedudukan dan kuasa.
8) System percukaian yang berpatutan dengan pendapatan rakyat yang lumayan. Taraf hidup yang memuaskan.
9) Jalanraya yang bebas tol, bebas cukai jalan dan bebas rasuah.
10) Pentadbiran yang matang, kukuh, berdaya saing dan amanah.
2) Hanya satu jenis sekolah iaitu sekolah kebangsaan, tetapi pelajar bebas untuk memilih pelajaran bahasa masing-masing. Para pelajar semua adalah anak Malaysia.
3) Rakyat Malaysia bebas berbahasa.
4) Tiada polisi bumiputera atau non-bumiputera, setiap rakyat yang dilahirkan di Malaysia ialah anak Malaysia. Bukan anak Cina, bukan anak India, bukan anak Melayu dan bukan anak asli. Generasi kita yang lepas telah banyak berjasa kepada negara dan jasa mereka tidak dapat diukur, tiada yang lebih tiada yang kurang. Pulangan daripada jasa mereka harus dibahagikan sama rata.
5) Peluang pembelajaran yang lebih terbuka. Tidak terkongkong dengan agenda politik. Peluang pembelajaran yang tidak terhad.
6) Menjadi negara yang mesra pelabur. Pelabur tidak terkongkong dengan polisi yang tidak berasas, yang tidak stabil disebabkan ketidakstabilan politik (politik yang tidak matang) negara. Dengan itu peluang pekerjaan juga bertambah, peluang perniagaan turut meningkat. Kewangan juga akan kukuh.
7) Kehakiman yang tidak diragui. Keadilan yang tidak mengenali kedudukan dan kuasa.
8) System percukaian yang berpatutan dengan pendapatan rakyat yang lumayan. Taraf hidup yang memuaskan.
9) Jalanraya yang bebas tol, bebas cukai jalan dan bebas rasuah.
10) Pentadbiran yang matang, kukuh, berdaya saing dan amanah.
Thursday, June 26, 2008
Perkauman Tidak Akan Kekal
Saya mewakili rakyat pelbagai kaum, bangsa Malaysia. Kami tidak suka mendengar kata-kata yang berbaur perkauman, di mana beberapa parti politik amat gemar sekali menggunakan isu perkauman untuk menyelesaikan masalah kaum tertentu. Bersatu atau berpecah bukan sahaja pada sesuatu kaum, malah ianya harus dibincang dalam bentuk menyeluruh. Ianya merangkumi seluruh bangsa Malaysia. Isu perkauman tidak popular lagi pada masa akan datang, pendek kata parti politik yang berasaskan perkauman tidak akan bertahan lagi pada masa yang singkat. Ini adalah kerana dasar pecah dan perintah yang diamalkan oleh UMNO dulu tidak lagi menjadi apabila rakyat semakin sedar dan berani.
Kesedaran rakyat tentang permuafakatan antara kaum semakin tinggi. Suatu hari nanti, hanya 2 parti politik yang tinggal, iaitu parti yang mentadbir dan parti yang membangkang. Tiada lagi parti Melayu, parti Cina, parti India atau parti agama. Ini adalah kerana rakyat yang dikategorikan sebagai Non-Bumi juga ada hak yang sama dengan yang Bumi di mana nilai undi mereka adalah sama. Malah perbezaan antara Bumi dan Non-Bumi juga sentiasa menjadi tanda soal, kerana polisinya telah meenimbulkan keraguan.
Saya sebagai keturunan yang ke tujuh semenjak moyang saya dari China, tetap dikategorikan sebagai non-Bumi, sebaliknya Melayu yang menjadi keturunan yang ke dua atau ke tiga telah menjadi Bumiputera sepenuhnya dan menikmati pelbagai kelebihan dalam negara yang didiami lebih pendek daripada keluarga saya. Ini tidak akan menjadi masalah kepada kita kerana keluarga kita telah dilatih supaya sentiasa tabah dan berani. Kita akan bangkit tidak kira di mana jua, dan usaha kita tidak akan sia-sia.
Saya percaya bahawa perubahan akan berlaku ketika perpecahan sedang berlaku, tidak harus disatukan benda yang telah pecah, mereka telah tidak mempercayai satu sama lain, ini lah proses penyatu-paduan negara yang sedang berlaku secara besar-besaran. Ia mungkin akan menyakiti sesuatu kaum, tetapi kebaikan yang akan berlaku itu akan berkekalan. Jadi tidak perlu lagi kita sebutkan isu perpecahan kaum, kerana setelah ianya berpecah baru lah ia akan bersatu semula dengan bangsa yang baru iaitu bangsa Malaysia.
Kesedaran rakyat tentang permuafakatan antara kaum semakin tinggi. Suatu hari nanti, hanya 2 parti politik yang tinggal, iaitu parti yang mentadbir dan parti yang membangkang. Tiada lagi parti Melayu, parti Cina, parti India atau parti agama. Ini adalah kerana rakyat yang dikategorikan sebagai Non-Bumi juga ada hak yang sama dengan yang Bumi di mana nilai undi mereka adalah sama. Malah perbezaan antara Bumi dan Non-Bumi juga sentiasa menjadi tanda soal, kerana polisinya telah meenimbulkan keraguan.
Saya sebagai keturunan yang ke tujuh semenjak moyang saya dari China, tetap dikategorikan sebagai non-Bumi, sebaliknya Melayu yang menjadi keturunan yang ke dua atau ke tiga telah menjadi Bumiputera sepenuhnya dan menikmati pelbagai kelebihan dalam negara yang didiami lebih pendek daripada keluarga saya. Ini tidak akan menjadi masalah kepada kita kerana keluarga kita telah dilatih supaya sentiasa tabah dan berani. Kita akan bangkit tidak kira di mana jua, dan usaha kita tidak akan sia-sia.
Saya percaya bahawa perubahan akan berlaku ketika perpecahan sedang berlaku, tidak harus disatukan benda yang telah pecah, mereka telah tidak mempercayai satu sama lain, ini lah proses penyatu-paduan negara yang sedang berlaku secara besar-besaran. Ia mungkin akan menyakiti sesuatu kaum, tetapi kebaikan yang akan berlaku itu akan berkekalan. Jadi tidak perlu lagi kita sebutkan isu perpecahan kaum, kerana setelah ianya berpecah baru lah ia akan bersatu semula dengan bangsa yang baru iaitu bangsa Malaysia.
Wednesday, June 25, 2008
For Our Knowledge
Today Tenaga stock rose by about MYR1.00. Volume traded in excess of 35million units.Yesterday Tenaga stock was suspended.
Put these points together.
1. If you know that an announcement would be made on Wednesday that TNB
rates will be revised upwards you would surely buy Tenaga shares on
Tuesday.
2. If you own an investment bank or have sufficient credit line with an
Investment Bank you would have bought as much as you could knowing that
the price will surely go up.
3. Since you have to pay within 3 days (T+3 rule), you would have
planned to sell on Friday. Â So you could have bought 1Million Tenaga
shares on Tuesday and sold it today for a cool MYR1Million profit
without paying any money (perhaps some borrowing costs for 2-3 days).
4. Of course none of us are privy to the announcement of the fuel hike,
but the family of the PM are privy to it.
5. Of course none of us have a large credit line with an Investment Bank
but the family of the PM owns an investment bank.
6. Why the surprise announcement on 05 June when the PM has said that it
would be in August ? Well you can only make a big and quick profit if
you control the timings and surprise others.
7. For those in the know (the powers that be and their cronies) this has
been one hugely profitable week buying and shorting the related shares.
The poor rakyat had to queue just to fill up their tanks and perhaps
save between MYR20-MYR100.
Now read below..... Need those in know of the basic economics of crude,
fuel etc to comment.
WHAT IS NEVER MENTIONED IN Mainstream Media like NST/ TheStar/ Utusan/BH
are these facts....
Malaysian PerCapita Income USD 5000 VS
Singaporean PerCapita Income USD 25000
Further The Star made a comparison of prices in Thailand, Singapore and
Indonesia .
For Thailand it is quoted at RM3.90/liter, however are they aware that
in Thailand new cars are cheaper than Malaysia by RM10,000? They pay
only one life time for their driving license? No renewal fee after that?
Also that goes for road tax as well? And do TheStar also aware that you
can drive all the way from Hadtyai to Bangkok on a six lane highway
without paying any Tolls ??!!
Whereas here in Malaysia you have to pay yearly renewal for road tax ,
driving license and TOLLS, TOLLS, TOLLS!!!
For Singapore how can you quote RM 5.20 ? Please quote in Singapore
Dollars because they are earning in Sing Dollars. You might as well say
Europeans are paying RM10/liter. RM5.20/liter = Sing $ 2.20/liter, still
cheaper than Malaysia in view of fact that Singapore is not a crude oil
exporter. Are you saying that you fill up petrol in Singapore by paying
Ringgit?
In economy, dollar to dollar must be compared as apple to apple. Not
comparing like durian in M'sia is much cheaper than durian in Japan!! Of
course-lah, Japan is not durian producer!!! Comparing Malaysian durian
with Thailand durian make more sense!!
For Indonesia we might say is cheaper there at RM2.07/liter but compare
that to their level of income!
Now, let us compare the price with OIL PRODUCING countries:
UAE RM1.19/litre
Eygpt RM1.03/litre
Bahrain RM0.87/litre
Qatar RM0.68/litre
Kuwait RM0.67/litre
Saudi Arabia RM0.38/litre
IranRM0.35/litre
Nigeria RM0.32/litre
Turkmenistan RM0.25/litre
Venezuela RM0.16/litre
MALAYSIA RM2.70/litre
RM 2.70!!! Individual perspective:
As of last month a Toyota Vios would 'cause a damage' of about RM
89,000.
In the international market, a Toyota Vios is about USD 19,000 USD
19,000 = RM 62,700 (using the indicative rates of USD 1 = RM 3.30) That
makes Malaysian Vios owners pay an extra RM 26,300.
This RM 26,300 should be cost of operations, profit and tax because the
transportation costs have been factored in to the USD 19,000.
RM 26,300/ RM625 petrol rebate per year translates to a Vios being used
for
42.08 years.
I do understand that the RM 625 is a rebate given by the government, but
it also means that one has to use the Vios for 42.08 years just to make
back the amount paid in taxes for the usage of a foreign car. Would
anyone use any kind of car for that long?
Now with these numbers in front of us, does the subsidy sound like a
subsidy or does it sound like a penalty? This just seems to be a heavy
increment in our daily cost of living as we are not only charged with
high car taxes but also with a drastic increase in fuel price.
With all the numbers listed out, I urge all Malaysians to join me in
analyzing the situation further.
Car taxation is government profit, fuel sales is Petronas' (GLC) profit
which also translates into government profit. The government may
ridicule us Malaysians by saying look at the world market and fuel price
world wide.
Please, we are Malaysians, we fought of the British, had a international
port in the early centuries (Malacca), home to a racially mixed nation
and WE ARE NOT STUPID!!!
We know the international rates are above the USD 130/barrel. We
understand the fact that the fuel prices are increasing worldwide and we
also know that major scientist are still contradicting on why this
phenomenon is happening.
Some blame Bush and his plunders around the world and some blame climate
change and there are others which say petroleum 'wells' are getting
scarce.
Again we go back to numbers to be more straight fwd
1 barrel = 159 liters x RM2.70/liter = RM 429 or USD 134
On 1 hand, we are paying the full cost of 1 barrel of crude oil with
RM2.70 per liter but on the other hand the crude oil only produces 46%
of fuel.
Msia sells crude oil per barrel at USD130 buys back Fuel per barrel at
USD134. And not forgetting, every barrel of fuel is produced with 2
barrels of crude oil.
1 barrel crude oil = produce 46% fuel (or half of crude oil), therefore
2 barrel crude oil = approximately 1 barrel fuel In other words, each
time we sell 2 barrels of crude oil, equivalently we will buy back 1
barrel of fuel.
Financially,
Malaysiasell 2 barrel crude oil @ USD 130/barrel = USD 260 = RM 858
then, Malaysia will buy back fuel @ USD 134/barrel = RM 442/barrel Thus,
Malaysia earn net extra USD 126 = RM 416 for each 2 barrel of crude
sold/exported vs imported 1 barrel of fuel !!!
(USD 260-134 = USD 126 = RM416)
So where this extra USD 126/barrel income is channeled to by Malaysian
Govt???????? ?
Another analysis:
1 barrel crude oil = 159 liters.
46-47% of a barrel of crude oil = fuel that we use in our vehicles.
46% of 159 = 73.14 liters.
@ RM 2.70/liter x 73.14 liter = RM197.48 of fuel per barrel of crude
oil.
This is only 46% of the barrel, mind you. Using RM 3.30 = USD 1, we get
that a barrel of crude oil produces USD 59.84 worth of petrol fuel (46%
of 1barrel).
USD 59.84 of USD 130/barrel turns out to be 46% of a barrel as well.
Another 54% = bitumen, kerosene, and natural gases and so many more.
And this makes a balance of USD 70.16 that has not been accounted for.
So this is where I got curious. Where is the subsidy if we are paying
46% of the price of a barrel of crude oil when the production of
petrol/barrel of crude oil is still only 46%?
In actual fact, we still pay for this as they are charged in the forms
of fuel surcharge by airlines and road taxes for the building of road
(because they use the tar/bitumen) and many more excuse charging us but
let us just leave all that out of our calculations.
As far as I know, only the politicians who live in Putrajaya and come
for their Parliament meetings in Kuala Lumpur (approximately 60+ km) are
the ones to gain as they claim their fuel and toll charges from the
money of the RAKYAT's TAX.
It is so disappointing to see this happen time and time again to the
Malaysian public, where they are deceived by the propaganda held by the
politicians and the controls they have over the press.
Which stupid idiot economist equates rebates for rich or poor with the
cc of the vehicles? An average office clerk may own a second hand 1300cc
proton Iswara costing $7,000 (rebate = $625) while the Datuk's children
can own a fleet of 10 new cars of BMW, Audi and Volvo all less than
2000cc costing $2 millions and get a total rebate of $625 x 10 = $6,250!
Wow what kind of economists we are keeping in Malaysia...wonder which
phD certificate that they bought from...
Misleading concept of Subsidy:
The word "subsidy" has been brandished by the BN government as if it has
so generously helped the rakyat and in doing so incurred losses. This
simple example will help to explain the fallacy:
Example:
Ahmad is a fisherman. He sells a fish to you at $10 which is below the
market value of $15. Let's assume that he caught the fish from the
abundance of the sea at little or no cost. Ahmad claims that since the
market value of the fish is $15 and he sold you the fish for $10, he had
subsidised you $5 and therefore made a loss of $5.
Question : Did Ahmad actually make a profit of $10 or loss of $5 which
he claimed is the subsidy?
Answer:
Ahmad makes a profit of $10 which is the difference of the selling price
($10) minus the cost price ($0 since the fish was caught from the
abundance of the sea). There is no subsidy as claimed by Ahmad.
The BN government claims that it is a subsidy because the oil is kept
and treated as somebody else's property (you know who). By right, the
oil belongs to all citizens of the country and the government is a
trustee for the citizens. So as in the above simple example, the BN
government cannot claim that it has subsidised the citizen! - Amazing Homework.
Put these points together.
1. If you know that an announcement would be made on Wednesday that TNB
rates will be revised upwards you would surely buy Tenaga shares on
Tuesday.
2. If you own an investment bank or have sufficient credit line with an
Investment Bank you would have bought as much as you could knowing that
the price will surely go up.
3. Since you have to pay within 3 days (T+3 rule), you would have
planned to sell on Friday. Â So you could have bought 1Million Tenaga
shares on Tuesday and sold it today for a cool MYR1Million profit
without paying any money (perhaps some borrowing costs for 2-3 days).
4. Of course none of us are privy to the announcement of the fuel hike,
but the family of the PM are privy to it.
5. Of course none of us have a large credit line with an Investment Bank
but the family of the PM owns an investment bank.
6. Why the surprise announcement on 05 June when the PM has said that it
would be in August ? Well you can only make a big and quick profit if
you control the timings and surprise others.
7. For those in the know (the powers that be and their cronies) this has
been one hugely profitable week buying and shorting the related shares.
The poor rakyat had to queue just to fill up their tanks and perhaps
save between MYR20-MYR100.
Now read below..... Need those in know of the basic economics of crude,
fuel etc to comment.
WHAT IS NEVER MENTIONED IN Mainstream Media like NST/ TheStar/ Utusan/BH
are these facts....
Malaysian PerCapita Income USD 5000 VS
Singaporean PerCapita Income USD 25000
Further The Star made a comparison of prices in Thailand, Singapore and
Indonesia .
For Thailand it is quoted at RM3.90/liter, however are they aware that
in Thailand new cars are cheaper than Malaysia by RM10,000? They pay
only one life time for their driving license? No renewal fee after that?
Also that goes for road tax as well? And do TheStar also aware that you
can drive all the way from Hadtyai to Bangkok on a six lane highway
without paying any Tolls ??!!
Whereas here in Malaysia you have to pay yearly renewal for road tax ,
driving license and TOLLS, TOLLS, TOLLS!!!
For Singapore how can you quote RM 5.20 ? Please quote in Singapore
Dollars because they are earning in Sing Dollars. You might as well say
Europeans are paying RM10/liter. RM5.20/liter = Sing $ 2.20/liter, still
cheaper than Malaysia in view of fact that Singapore is not a crude oil
exporter. Are you saying that you fill up petrol in Singapore by paying
Ringgit?
In economy, dollar to dollar must be compared as apple to apple. Not
comparing like durian in M'sia is much cheaper than durian in Japan!! Of
course-lah, Japan is not durian producer!!! Comparing Malaysian durian
with Thailand durian make more sense!!
For Indonesia we might say is cheaper there at RM2.07/liter but compare
that to their level of income!
Now, let us compare the price with OIL PRODUCING countries:
UAE RM1.19/litre
Eygpt RM1.03/litre
Bahrain RM0.87/litre
Qatar RM0.68/litre
Kuwait RM0.67/litre
Saudi Arabia RM0.38/litre
IranRM0.35/litre
Nigeria RM0.32/litre
Turkmenistan RM0.25/litre
Venezuela RM0.16/litre
MALAYSIA RM2.70/litre
RM 2.70!!! Individual perspective:
As of last month a Toyota Vios would 'cause a damage' of about RM
89,000.
In the international market, a Toyota Vios is about USD 19,000 USD
19,000 = RM 62,700 (using the indicative rates of USD 1 = RM 3.30) That
makes Malaysian Vios owners pay an extra RM 26,300.
This RM 26,300 should be cost of operations, profit and tax because the
transportation costs have been factored in to the USD 19,000.
RM 26,300/ RM625 petrol rebate per year translates to a Vios being used
for
42.08 years.
I do understand that the RM 625 is a rebate given by the government, but
it also means that one has to use the Vios for 42.08 years just to make
back the amount paid in taxes for the usage of a foreign car. Would
anyone use any kind of car for that long?
Now with these numbers in front of us, does the subsidy sound like a
subsidy or does it sound like a penalty? This just seems to be a heavy
increment in our daily cost of living as we are not only charged with
high car taxes but also with a drastic increase in fuel price.
With all the numbers listed out, I urge all Malaysians to join me in
analyzing the situation further.
Car taxation is government profit, fuel sales is Petronas' (GLC) profit
which also translates into government profit. The government may
ridicule us Malaysians by saying look at the world market and fuel price
world wide.
Please, we are Malaysians, we fought of the British, had a international
port in the early centuries (Malacca), home to a racially mixed nation
and WE ARE NOT STUPID!!!
We know the international rates are above the USD 130/barrel. We
understand the fact that the fuel prices are increasing worldwide and we
also know that major scientist are still contradicting on why this
phenomenon is happening.
Some blame Bush and his plunders around the world and some blame climate
change and there are others which say petroleum 'wells' are getting
scarce.
Again we go back to numbers to be more straight fwd
1 barrel = 159 liters x RM2.70/liter = RM 429 or USD 134
On 1 hand, we are paying the full cost of 1 barrel of crude oil with
RM2.70 per liter but on the other hand the crude oil only produces 46%
of fuel.
Msia sells crude oil per barrel at USD130 buys back Fuel per barrel at
USD134. And not forgetting, every barrel of fuel is produced with 2
barrels of crude oil.
1 barrel crude oil = produce 46% fuel (or half of crude oil), therefore
2 barrel crude oil = approximately 1 barrel fuel In other words, each
time we sell 2 barrels of crude oil, equivalently we will buy back 1
barrel of fuel.
Financially,
Malaysiasell 2 barrel crude oil @ USD 130/barrel = USD 260 = RM 858
then, Malaysia will buy back fuel @ USD 134/barrel = RM 442/barrel Thus,
Malaysia earn net extra USD 126 = RM 416 for each 2 barrel of crude
sold/exported vs imported 1 barrel of fuel !!!
(USD 260-134 = USD 126 = RM416)
So where this extra USD 126/barrel income is channeled to by Malaysian
Govt???????? ?
Another analysis:
1 barrel crude oil = 159 liters.
46-47% of a barrel of crude oil = fuel that we use in our vehicles.
46% of 159 = 73.14 liters.
@ RM 2.70/liter x 73.14 liter = RM197.48 of fuel per barrel of crude
oil.
This is only 46% of the barrel, mind you. Using RM 3.30 = USD 1, we get
that a barrel of crude oil produces USD 59.84 worth of petrol fuel (46%
of 1barrel).
USD 59.84 of USD 130/barrel turns out to be 46% of a barrel as well.
Another 54% = bitumen, kerosene, and natural gases and so many more.
And this makes a balance of USD 70.16 that has not been accounted for.
So this is where I got curious. Where is the subsidy if we are paying
46% of the price of a barrel of crude oil when the production of
petrol/barrel of crude oil is still only 46%?
In actual fact, we still pay for this as they are charged in the forms
of fuel surcharge by airlines and road taxes for the building of road
(because they use the tar/bitumen) and many more excuse charging us but
let us just leave all that out of our calculations.
As far as I know, only the politicians who live in Putrajaya and come
for their Parliament meetings in Kuala Lumpur (approximately 60+ km) are
the ones to gain as they claim their fuel and toll charges from the
money of the RAKYAT's TAX.
It is so disappointing to see this happen time and time again to the
Malaysian public, where they are deceived by the propaganda held by the
politicians and the controls they have over the press.
Which stupid idiot economist equates rebates for rich or poor with the
cc of the vehicles? An average office clerk may own a second hand 1300cc
proton Iswara costing $7,000 (rebate = $625) while the Datuk's children
can own a fleet of 10 new cars of BMW, Audi and Volvo all less than
2000cc costing $2 millions and get a total rebate of $625 x 10 = $6,250!
Wow what kind of economists we are keeping in Malaysia...wonder which
phD certificate that they bought from...
Misleading concept of Subsidy:
The word "subsidy" has been brandished by the BN government as if it has
so generously helped the rakyat and in doing so incurred losses. This
simple example will help to explain the fallacy:
Example:
Ahmad is a fisherman. He sells a fish to you at $10 which is below the
market value of $15. Let's assume that he caught the fish from the
abundance of the sea at little or no cost. Ahmad claims that since the
market value of the fish is $15 and he sold you the fish for $10, he had
subsidised you $5 and therefore made a loss of $5.
Question : Did Ahmad actually make a profit of $10 or loss of $5 which
he claimed is the subsidy?
Answer:
Ahmad makes a profit of $10 which is the difference of the selling price
($10) minus the cost price ($0 since the fish was caught from the
abundance of the sea). There is no subsidy as claimed by Ahmad.
The BN government claims that it is a subsidy because the oil is kept
and treated as somebody else's property (you know who). By right, the
oil belongs to all citizens of the country and the government is a
trustee for the citizens. So as in the above simple example, the BN
government cannot claim that it has subsidised the citizen! - Amazing Homework.
Monday, June 23, 2008
Kemiskinan
Status kemiskinan pula menjadi isu hangat setelah kenaikan harga minyak dan harga makanan yang telah menjejaskan kos sara hidup rakyat. Inflasi yang tidak dapat dibendung menjadi musuh utama penduduk miskin dan sederhana, sebaliknya akan menjadi kesempatan kepada kaum berada. Tahap kemiskinan negara 5.7% yang dikemukakan oleh kerajaan sememangnya satu jenaka. Kemiskinan yang berleluasa di negara kita dapat dilihat dengan mata kasar. Adakah mereka yang menganggur diambil kira? Adakah ibu-ibu tunggal diambil kira? Bagaimana pula dengan mereka yang hilang upaya? Kita juga dapat melihat penduduk-penduduk kampung yang memang tidak mempunyai pendapatan yang tetap. Populasi di luar bandar yang jarang ditemui ini jika diambil kira akan memeranjatkan kita. Berapa sangat pendapatan isi keluarga mereka? RM300? Pendapatan yang tersangat rendah yang akan menggugatkan pelajaran anak-anak. Inilah yang menyebabkan rakyat di negara kita yang buta ilmu. Memang kita dapat lihat peningkatan pencapaian pelajar-pelajar dari tahun ke tahun, tetapi adakah ianya mengikut standard yang betul? Adakah lepasan-lepasan yang cemerlang ini berkemampuan untuk menyumbang kepada masyarakat? Atau pun langsung tidak mampu untuk menjaga diri sendiri? Kita juga dapat melihat ramai lepasan-lepasan pengajian tinggi yang cemerlang tetapi tidak berjaya dalam karier yang diakhiri dengan muflis. Amat sedih sekali apabila pemuda kita yang berkebolehan menambahberatkan lagi tahap kemiskinan di negara kita. Ini perlu dihalusi supaya kita dapat mengguna sumber kekuatan yang ada iaitu sumber manusia. Dengan mempermodalkan insan negara kita akan maju dari segi mentaliti yang akan menerajui ekonomi negara. Kemiskinan sifar adalah menjadi tanggungjawab semua penduduk di bumi ini, agar generasi baru dapat menikmati usaha kita hari ini.
Tuesday, June 17, 2008
Safe Our Country Against Economic And Food Crisis
1. Government encourage people to use NGV. Some Petronas retail station may face some losses but it will save million of people. Existing Malasian consumption of crude oil can be export with current world's prices, country can earn more, govt no need to give subsidy.
2. Upgrade our county's public transport such as KOMUTER in all state instead of upgrade our highway with high tol charges, by using money earned from crude oil export.
3. Encourage unemployed people to learn agriculture, aquaculture and plantation skill. Our country has plenty of empty land suitable for food production. Higher food production, lower unemployment rate. Perhaps we can export food instead of import it with international market prices. Very expensive. We should look at other country that produce food and they now facing natural disaster that cause shortage of food. But our country is safe from natural disaster, and our land is big enough for the operation, just fully utilise the land.
4. Encourage people to plant vegetable and fruit as past time for own consumption, for those who live in landed properties. This will help those who living in the appartment getting lower prices of food.
5. Promote work from home for those who want to save on travelling cost. Communication cost is much more cheaper. No matter in what nature of business, some job is can be done from home without travelling. This also will increase efficiency.
6. Proper planning on each travelling because it is very costly.
7. Make sure people can secure their income so that they can afford to pay their bank loan, otherwise inflation will rise as well as interest rate. This mean government need to monitor on every industries make sure most of them are making profit, otherwise they will cut their cost by sacking employees, or turn off their operation. This is not good as unemployment rate will increase.
2. Upgrade our county's public transport such as KOMUTER in all state instead of upgrade our highway with high tol charges, by using money earned from crude oil export.
3. Encourage unemployed people to learn agriculture, aquaculture and plantation skill. Our country has plenty of empty land suitable for food production. Higher food production, lower unemployment rate. Perhaps we can export food instead of import it with international market prices. Very expensive. We should look at other country that produce food and they now facing natural disaster that cause shortage of food. But our country is safe from natural disaster, and our land is big enough for the operation, just fully utilise the land.
4. Encourage people to plant vegetable and fruit as past time for own consumption, for those who live in landed properties. This will help those who living in the appartment getting lower prices of food.
5. Promote work from home for those who want to save on travelling cost. Communication cost is much more cheaper. No matter in what nature of business, some job is can be done from home without travelling. This also will increase efficiency.
6. Proper planning on each travelling because it is very costly.
7. Make sure people can secure their income so that they can afford to pay their bank loan, otherwise inflation will rise as well as interest rate. This mean government need to monitor on every industries make sure most of them are making profit, otherwise they will cut their cost by sacking employees, or turn off their operation. This is not good as unemployment rate will increase.
Pemimpin hari ini
Bagi saya, Pak Lah dan Najib memang ada sesuatu yang lebih mendalam sehingga ia mengaburi rakyat. Begitu juga kisah-kisah politik negara hari ini, tidak kira apa parti sekalipun, apa yang kita nampak hanyalah satu lakonan. Tetapi apa yang penting sekarang adalah pemimpin manakah yang akan muncul selepas ini? Mungkin bukan dari UMNO lagi. Sekiranya UMNO meneruskan sandiwara yang tidak menjadi itu tanpa sedar, pihak lain akan memusnahkan UMNO dengan amat mudah sekali. Mungkin PM belum sedar apa yang sedang berlaku, beliau masih percaya bahawa beliau masih berkuasa, tanpa terlintas bahawa rakyat sedang melakukan sesuatu untuk menjatuhkan UMNO yang sememangnya telah kehabisan pemimpin yang berakal dan berwawasan. Tidak semestinya pembangkang sahaja yang mampu menjatuhkan UMNO, sebaliknya rakyat biasa yang tidak kelihatan, mereka semakin berakal, ilmu mereka tidak diketahui, pakatan mereka tidak dapat dihidu atau didengari. Kini pegetahuan rakyat bukan lagi berasaskan pendidikan dari sekolah, sebaliknya pendidikan yang tidak formal, lebih tepat dan lebih meluas. UMNO masih ingat yang mereka sentiasa menerajui politik negara, tanpa diketahui bahawa tindak-tanduk mereka yang angkuh dan tidak adil itu akan termakan diri-sendiri. Kita rakyat bukan bodoh, tetapi tidak mahu menentang, tetapi apabila dihimpit kuat-kuat, sehingga lemas, masakan anjing akan gigit tuan. Renung-renungkanlah.
Tuesday, June 10, 2008
Oil Price
The price of crude oil has increased by 400 percent in the last three years. It follows that the price of products must increase, sooner or later. In other countries petrol prices had already increased. In the United Kingdom one litre of petrol sells for more than one pound sterling or RM7. In the United States it is about RM5.
That the price in neighbouring countries has gone up is shown by the rush to fill up by Thai and to a lesser extent Singapore vehicles.
The Government has now announced an increase in petrol price by 78 sen to RM2.70 per litre, an increase of more than 40 per cent.
I may be mistaken but there seems to be less vehicles on the road today. But obviously that is not all that will happen. All other consumer goods, services and luxury goods would increase in price.
The cost of living must go up. Put another way there will be inflation and the standard of living will go down.
Obviously our increase in petrol price is far less than in the United Kingdom or the United States. But our per capita income is about one-third of theirs. In purchasing power terms our increase is more than in the UK or the US.
The increase hurts but the pain is greater not just because of the increase percentage-wise is higher than in developed countries but because of the manner the increase is made.
A few days ago the Government decided to ban sale of petrol to foreign cars. It flipped. Now foreign cars can buy again. Flopped.
Knowing that in a few days it was going to raise the price and foreigners would be allowed to buy, why cannot the Government just wait instead of banning and unbanning.
But be that as it may what could the Government have done to lessen the burden on the people that results from the increase in petrol price.
In the first place the Government should not have floated the Ringgit. A floating rate creates uncertainties and we cannot gain anything from the strengthened Ringgit. Certainly the people have not experienced any increase in their purchasing power because of the appreciation in the exchange rate between the US Dollar and the Ringgit.
Actually the Ringgit has increased by about 80 sen (from RM3.80 to RM3.08 to 1 US Dollar) per US Dollar, i.e. by more than 20 per cent. Had the Government retained the fixed rate system and increased the value of the Ringgit, say 10 per cent at a time, the cost of imports, in Ringgit terms can be monitored and reduced by 10 per cent. At 20 per cent appreciation the cost of imports should decrease by 20 per cent. But we know the prices of imported goods or services have not decreased at all. This means we are paying 20 per cent higher for our imports including the raw material and components for our industries.
Since oil prices are fixed in US Dollar, the increase in US Dollar prices of oil should also be mitigated by 20 per cent in Malaysian Ringgit.
But the Government wants to please the International Monetary Fund and the World Bank and decided to float the Ringgit. As a result the strengthening of the Ringgit merely increased our cost of exports without giving our people the benefit of lower cost of imports.
This is not wisdom after the event. I had actually told a Government Minister not to float the Ringgit three years ago. But of course I am not an expert, certainly I know little about the international financial regimes.
I believe the people expect the increase of petrol price. But what they are angry about is the quantum and the suddenness. The Prime Minister was hinting at August but suddenly it came two months earlier, just after the ban on sale of petrol to foreigners.
If the increase had been more gradual, the people would not feel it so much. But of course this means that the Government would have to subsidise, though to a decreasing extent.
Can the Government subsidise? I am the “adviser” to Petronas but I know very little about it beyond what is published in its accounts. What I do know may not be very accurate but should be sufficient for me to draw certain conclusions.
Roughly Malaysia produces 650,000 barrels of crude per day. We consume 400,000 barrels leaving 250,000 barrels to be exported.
Three years ago the selling price of crude was about USD30 per barrel. Today it is USD130 – an increase of USD100. There is hardly any increase in the production cost so that the extra USD100 can be considered as pure profit.
Our 250,000 barrels of export should earn us 250,000 x 100 x 365 x 3 = RM27,375,000,000 (twenty seven billion Ringgit).
But Petronas made a profit of well over RM70 billion, all of which belong to the Government.
By all accounts the Government is flushed with money.
But besides petrol the prices of palm oil, rubber and tin have also increased by about 400 per cent. Plantation companies and banks now earn as much as RM3 billion in profits each. Taxes paid by them must have also increased greatly.
I feel sure that maintaining the subsidy and gradually decreasing it would not hurt the Government finances.
In the medium term ways and means must be found to reduce wasteful consumption and increase income. We may not be able to fix the minimum wage at a high level but certainly we can improve the minimum wage.
Actually our wages are high compared to some of our neighbours. The investors who come here are attracted not by cheap labour but by other factors, among which is the attitude of the Government towards the business community and the investors in particular.
From what I hear business friendliness is wanting in the present Government – so much so that even Malaysians are investing in other countries. There are rumblings about political affiliations influencing decisions. Generally Government politicians are said to be arrogant.
Malaysia is short of manpower. The labour intensive industries are not benefiting Malaysians. Foreign workers are remitting huge sums of money home.
The industrial policy must change so that high tech is promoted in order to give Malaysians higher wages to cope with rising costs of living.
The world is facing economic turmoil due to the depreciation of the US Dollar, the sub-prime loan crisis, rising oil and raw material prices, food shortages and the continued activities of the greedy hedge funds. The possibility of a US recession is real. In a way the US is already in recession. The world economy will be dragged down by it.
Malaysia will be affected by all these problems. I wonder whether the Government is prepared for this.
We cannot avoid all the negative effects but there must be ways to mitigate against them and to lessen the burden that must be borne by all Malaysians. I am sure the Government will not just pass all these problems to the people as the review of oil prices every month seem to suggest.- Dr. Mahathir
That the price in neighbouring countries has gone up is shown by the rush to fill up by Thai and to a lesser extent Singapore vehicles.
The Government has now announced an increase in petrol price by 78 sen to RM2.70 per litre, an increase of more than 40 per cent.
I may be mistaken but there seems to be less vehicles on the road today. But obviously that is not all that will happen. All other consumer goods, services and luxury goods would increase in price.
The cost of living must go up. Put another way there will be inflation and the standard of living will go down.
Obviously our increase in petrol price is far less than in the United Kingdom or the United States. But our per capita income is about one-third of theirs. In purchasing power terms our increase is more than in the UK or the US.
The increase hurts but the pain is greater not just because of the increase percentage-wise is higher than in developed countries but because of the manner the increase is made.
A few days ago the Government decided to ban sale of petrol to foreign cars. It flipped. Now foreign cars can buy again. Flopped.
Knowing that in a few days it was going to raise the price and foreigners would be allowed to buy, why cannot the Government just wait instead of banning and unbanning.
But be that as it may what could the Government have done to lessen the burden on the people that results from the increase in petrol price.
In the first place the Government should not have floated the Ringgit. A floating rate creates uncertainties and we cannot gain anything from the strengthened Ringgit. Certainly the people have not experienced any increase in their purchasing power because of the appreciation in the exchange rate between the US Dollar and the Ringgit.
Actually the Ringgit has increased by about 80 sen (from RM3.80 to RM3.08 to 1 US Dollar) per US Dollar, i.e. by more than 20 per cent. Had the Government retained the fixed rate system and increased the value of the Ringgit, say 10 per cent at a time, the cost of imports, in Ringgit terms can be monitored and reduced by 10 per cent. At 20 per cent appreciation the cost of imports should decrease by 20 per cent. But we know the prices of imported goods or services have not decreased at all. This means we are paying 20 per cent higher for our imports including the raw material and components for our industries.
Since oil prices are fixed in US Dollar, the increase in US Dollar prices of oil should also be mitigated by 20 per cent in Malaysian Ringgit.
But the Government wants to please the International Monetary Fund and the World Bank and decided to float the Ringgit. As a result the strengthening of the Ringgit merely increased our cost of exports without giving our people the benefit of lower cost of imports.
This is not wisdom after the event. I had actually told a Government Minister not to float the Ringgit three years ago. But of course I am not an expert, certainly I know little about the international financial regimes.
I believe the people expect the increase of petrol price. But what they are angry about is the quantum and the suddenness. The Prime Minister was hinting at August but suddenly it came two months earlier, just after the ban on sale of petrol to foreigners.
If the increase had been more gradual, the people would not feel it so much. But of course this means that the Government would have to subsidise, though to a decreasing extent.
Can the Government subsidise? I am the “adviser” to Petronas but I know very little about it beyond what is published in its accounts. What I do know may not be very accurate but should be sufficient for me to draw certain conclusions.
Roughly Malaysia produces 650,000 barrels of crude per day. We consume 400,000 barrels leaving 250,000 barrels to be exported.
Three years ago the selling price of crude was about USD30 per barrel. Today it is USD130 – an increase of USD100. There is hardly any increase in the production cost so that the extra USD100 can be considered as pure profit.
Our 250,000 barrels of export should earn us 250,000 x 100 x 365 x 3 = RM27,375,000,000 (twenty seven billion Ringgit).
But Petronas made a profit of well over RM70 billion, all of which belong to the Government.
By all accounts the Government is flushed with money.
But besides petrol the prices of palm oil, rubber and tin have also increased by about 400 per cent. Plantation companies and banks now earn as much as RM3 billion in profits each. Taxes paid by them must have also increased greatly.
I feel sure that maintaining the subsidy and gradually decreasing it would not hurt the Government finances.
In the medium term ways and means must be found to reduce wasteful consumption and increase income. We may not be able to fix the minimum wage at a high level but certainly we can improve the minimum wage.
Actually our wages are high compared to some of our neighbours. The investors who come here are attracted not by cheap labour but by other factors, among which is the attitude of the Government towards the business community and the investors in particular.
From what I hear business friendliness is wanting in the present Government – so much so that even Malaysians are investing in other countries. There are rumblings about political affiliations influencing decisions. Generally Government politicians are said to be arrogant.
Malaysia is short of manpower. The labour intensive industries are not benefiting Malaysians. Foreign workers are remitting huge sums of money home.
The industrial policy must change so that high tech is promoted in order to give Malaysians higher wages to cope with rising costs of living.
The world is facing economic turmoil due to the depreciation of the US Dollar, the sub-prime loan crisis, rising oil and raw material prices, food shortages and the continued activities of the greedy hedge funds. The possibility of a US recession is real. In a way the US is already in recession. The world economy will be dragged down by it.
Malaysia will be affected by all these problems. I wonder whether the Government is prepared for this.
We cannot avoid all the negative effects but there must be ways to mitigate against them and to lessen the burden that must be borne by all Malaysians. I am sure the Government will not just pass all these problems to the people as the review of oil prices every month seem to suggest.- Dr. Mahathir
Krisis negara kita bukan harga minyak tetapi pengetahuan
Keadaan Malaysia sekarang yang tidak menentu menjadikan negara kita sekarang menghadapi risiko ekonomi yang amat tinggi. Semenjak tahun lalu, apabila puak Hindraf cuba menghuru-harakan keadaan disebabkan ketidakpuashatian terhadap cara kerajaan melayani kaum India di negara kita. Seterusnya dibelenggu dengan isu kehakiman negara yang termunculnya keraguan apabila dicungkil oleh beberapa pihak. Disambung pula dengan perubahan pentadbiran akibat daripada pilihanraya yang menyebabkan BN kalah 5 negeri dan wilayah persekutuan. Dalam pada itu pula berlaku masalah pemilihan Menteri Besar di beberapa negeri sehingga membangkitkan kaum-kaum Di-Raja yang juga tidak melepaskan peluang dalam menegakkan keadilan. Sementara dunia menghadapi krisis kekurangan makanan yang juga sedikit sebanyak mempengaruhi negara kita, didatangi pula kenaikan harga minyak dunia yang memang menyakiti majoriti penduduk dunia, menyebabkan kenaikan harga barangan yang begitu mendadak sekali sekaligus mencacatkan keseluruhan ekonomi negara kita. Tetapi cedera ini belum betul-betul dirasai kerana banyak industri masih cuba dengan pelbagai cara untuk memastikan masing-masing terselamat daripada keadaan yang kritikal ini. Lazimnya tidak banyak industri yang akan terselamat dari bencana ini, kerana terlalu banyak faktor negatif yang tidak menyebelahi ekonomi Malaysia. Para pelabur yang kurang yakin dengan pentadbiran negara, akan cuba mencari jalan keluar atau pendek kata mereka cuba menyelamatkan wang dengan membawanya ke negara yang lebih kukuh dan stabil ekonominya. Pelabur tempatan juga tidak terkecuali, kita boleh dapati sekarang banyak syarikat-syarikat besar mula membuka kilang atau perniagaan di negara eropah yang akan menjadi laluan utama untuk mengeluarkan atau menyalurkan wang dalam negara ke tempat yang lebih selamat baginya. Memang ini tidak boleh dihentikan kerana wang-wang ini adalah milik pelabur dan mereka berhak berbuat apa sahaja dengan wang pelaburan mereka itu. Seterusnya akan menyebabkan ringgit semakin lemah dan inflasi semakin bermaharajalela. Yang menjadi mangsa ialah rakyat Malaysia yang berpendapatan sederhana dan ke bawah. Sebaliknya keadaan sebegini akan membuka peluang kepada golongan yang sangat berada, apabila rakyat biasa sedang dibelenggu krisis kewangan, mereka yang memiliki harta yang tak seberapa terpaksa menjual dengan harga yang amat rendah disebabkan inflasi yang tinggi dan permintaan yang rendah (kerana ramai lagi yang nak jual harta untuk membayar hutang), golongan kaya ini pula akan cuba menekan harga jualan daripada penjual serendah yang mungkin, sekaligus menjadikan mereka pemilik harta yang tinggi nilainya tetapi rendah harganya. Kita tidak boleh mengawal keadaan ini kerana ini adalah salah orang yang menjual sendiri, yang tidak menjangka keadaan seburuk ini akan berlaku. Orang kaya pula sebaliknya sentiasa menjangka keadaan yang buruk akan berlaku, menyebabkan mereka berwaspada menguruskan kewangan mereka serta berusaha membuat simpanan sebanyak yang mungkin ketika rakyat biasa sedang terbuai dalam kemewahan dan kesenangan sehingga lupa diri. Inilah masalah yang sedang berlaku, rakyat Malaysia masih mentah tentang pengurusan kewangan. Pengetahuan tentang pengurusan risiko juga amat penting bagi rakyat kerana sering tertipu oleh golongan yang bijak mencari peluang untuk mengaut keuntungan. Kelemahan ini harus ditangani secepat mungkin. Rakyat Malaysia seperti berada dalam air yang sedang dimasak, mereka berasa selesa berada di dalam air suam yang semakin panas dan tidak sanggup keluar, sehingga air tersebut mendidih, tiada lagi esok lusa bagimu. Kita rakyat Malaysia dahagakan pengetahuan, kita ingin mentaliti anak-anak kita agar seperingkat dengan mentaliti rakyat negara maju. Biar rakyat belajar berdikari, biar rakyat tahu tentang hak asasi mereka, biar rakyat bebas belajar dan berfikir, biar kita semua menjadi lebih berani, biar kita bangkit dari keselesaan yang tidak kekal dan bangun dari fantasi. Rakyat perlu melihat dari sudut realiti dan berusaha sendiri. Apabila rakyat mempunyai kesedaran, negara kita akan bersih dari gejala negatif. Yang penting rakyat akan lebih bijak memilih peneraju pentadbiran yang akan menjadi wira untuk rakyat. Tiada lagi masalah tiadanya pemimpin negara yang boleh diharap. Seperti yang berlaku di dalam negara kita sekarang, rakyat kehilangan pemimpin, pilih pentadbir pun tidak betul, pilih pembangkang pun ragu-ragu, ada yang membuat keputusan untuk tidak memilih. Bukan sahaja rakyat biasa yang kurang pengetahuan, begitu juga dengan pemimpin kita.
Friday, June 6, 2008
Bermulanya Keruntuhan Ekonomi
Berita kenaikan harga minyak telah menggemparkan Negara kita yang secara langsung memberi kesan yang amat ketara dalam setiap bidang. Apakah puncanya? Perdana menteri menyatakan bahawa subsidi minyak daripada kerajaan menjadi bebanan dan ingin mengagihkan subsidi kepada lain-lain pembangunan. Beliau juga selalu membandingkan harga minyak kita dengan Negara-negara yang bukan pengeluar minyak. Cuba kita gunakan akal kita dengan logik, sekiranya hendak dibandingkan harga minyak dengan Negara-negara lain, bandingkanlah juga lain-lain aspek seperti pendapatan penduduk, ekonomi, gaya hidup, kemudahan pengangkutan awam, tol, cukai dan lain-lain. Seperti di Thailand, walaupun harga minyak di sana sedikit lebih mahal daripada kita, akan tetapi harga kereta mereka jauh lebih murah daripada kita, dan mereka juga tiada masalah tol. Cuba lihat Negara kita, harga minyak naik, harga kereta mahal, tol mahal, semua barangan yang dikawal oleh kerajaan mahal, tetapi pendapatan rendah. Sebenarnya masalah yang dihadapi penduduk sekarang bukan disebabkan oleh kenaikan harga minyak dunia, sebaliknya disebabkan oleh kelemahan pentadbiran kerajaan. Kalau kita perhatikan Amerika Syarikat, mereka mengalami krisis minyak yang amat ketara tetapi disebabkan ekonomi mereka dan pendapatan mereka yang lumayan, penduduk masih mampu untuk menanggung krisis tersebut, manakala mereka yang tidak mampu masih ada alternative lain iaitu pengangkutan awam yang lengkap. Kesan daripada kelemahan pentabiran Negara yang membiarkan penduduk berpendapatan rendah menanggung beban kenaikan harga barangan akan mengundang kenaikan kadar kemiskinan. Pelabur-pelabur asing dan tempatan akan berpindah ke Negara yang kos barangan atau tenaganya lebih murah. Manakala pelabur-pelabur asing yang belum menjejak kaki ke Negara kita tidak akan berani menjejak ke mari. Ini akan menyebabkan peningkatan kadar pengangguran yang juga salah satu penyebab kemiskinan. Peniaga-peniaga kecil yang sebelum ini berniaga dengan keuntungan yang amat rendah terpaksa gulung tikar kerana tidak mampu menanggung rugi. Ada syarikat yang terpaksa membuang pekerja agar dapat mengurangkan kos operasi. Lebih ramai yang menganggur dan lebih ramai yang miskin, bukan setakat itu, kebanyakan penduduk Negara kita membuat pinjaman bank untuk membeli pengangkutan persendirian disebabkan pengankutan awam yang tidak efisyen( bukan setakat tak efisyen, dia kenakan pula tol yang mahal macam babi), membeli tempat berteduh atau menyewa, apakah yang akan terjadi kepada nasib mereka setelah kehilangan punca pendapatan sedangkan kos sara hidup semakin tinggi? Pentadbir Negara tidak memahami rakyat kerana kebanyakan pentadbir hidup dalam kemewahan, kenaikan harga barang tidak akan dirasai oleh mereka. Apa yang akan berlaku seterusnya? Institusi kewangan akan menghadapi masalah hutang tidak mampu dibayar oleh peminjam, seterusnya menyebabkan krisis kewangan yang akan membawa kepada kenaikan faedah pinjaman. Ini akan lebih membebankan lagi para peniaga kecil yang bergantung kepada institusi kewangan untuk berniaga. Begitu juga kadar faedah pinjaman perumahan yang akan membebankan penduduk. Kadar inflasi akan meningkat dengan mendadak. Kadar jenayah juga meningkat berpunca daripada pengangguran dan kemiskinan. Beginilah keadaan ekonomi Negara yang ditadbir oleh mereka yang lemah, rasuah, penting diri, gila kuasa dan tiada kesedaran. Kepada penduduk yang berada, mereka boleh memilih untuk berpindah ke Negara lain, apa pula dengan penduduk yang miskin? Mereka bagaikan kebuntuan jalan. Tiada esok bagimu. Beberapa cara mengatasi masalah telah dinasihatkan oleh pemimpin-pemimpin yang lain kepada perdana menteri tetapi belum tentu beliau akan dengar atau tidak. Yang pentingnya kita sebagai penduduk mesti menyelesaikan masalah masing-masing tanpa bergantung kepada pihak pentadbir yang sememangnya tidak boleh diharap. Di sini saya sertakan nasihat-nasihat kepada mereka yang berpendapatan rendah atau penganggur yang terpaksa berniaga kecil-kecilan untuk menyara hidup yang begitu pahit sekali. Walaupun perkara di atas belum lagi berlaku, tetapi ianya akan berlaku dalam jangka masa yang amat cepat. Sedialah payung sebelum ianya terjadi.
1) Jimat sebaik yang mungkin dan mulakan simpanan. Tidak berbelanja mengikut nafsu, beli hanya yang betul-betul perlu. Penampilan tidak diperlukan lagi, kerana kosnya terlalu tinggi. Wang simpanan ialah asas kehidupan. Kalau ada wang simpanan yang banyak, buat apa nak tunjuk kat orang? Senyap-senyap aje. Tak perlu penampilan.
2) Cuba hindari daripada berhutang dan sebaiknya selesaikan hutang yang sedia ada ataupun kurangkannya sebaik yang mungkin, kerana hutanglah satu-satunya kelemahan dalam bidang kewangan. Alasan anda hanya akan memudaratkan diri anda sendiri.
3) Sekiranya anda mempunyai pekerjaan, jangan berhenti atau cuba menukar ke syarikat yang lain. Seelok-eloknya kurangkan risiko anda berhubung dengan pendapatan. Begitu juga yang bekerja dan ingin menceburi bidang perniagaan, ini bukan masa yang sesuai untuk melabur atau berniaga, sekiranya perniagaan anda tidak menelan kos, mulakan secara sambilan, jangan berhenti daripada pekerjaan.
4) Berhenti tabiat merokok, minum arak, berjudi, berfoya-foya atau barangan yang mengkhayalkan. Sekiranya anda tidak mampu menanggung kos sara hidup, anda tidak layak menikmati nafsu-nafsu yang penghujungnya adalah maut. Biarlah orang kaya sahaja yang menikmatinya kerana susu dan pendidikan anak jauh lebih penting, anggaplah ini satu pengorbanan yang paling besar kepada orang yang tersayang. Hasilnya amat memuaskan.
5) Kepada mereka yang tidak bekerja dan ingin mulakan perniagaan dengan modal yang kecil, hindarkan daripada berhutang. Belajarlah cara pengurusan akaun yang bijak. Pastikan anda kenal apa itu asset dan liability. Buatlah perancangan yang elok dan tepat. Jangan terburu-buru. Planning without action is a day dreams, action without planning is a nightmare.
6) Jikalau anda ingin mulakan perniagaan, ingatlah bahawa Negara kita sedang dibelenggu krisis ekonomi, wang berbillion-billion telah dipindah keluar Negara, wang di dalam Negara kita semakin berkurangan. Pilihlah perniagaan yang berasaskan tunai, tanpa hutang daripada sesiapa. Seelok-eloknya perniagaan yang berasaskan komoditi, seperti makanan atau bahan asas kehidupan. Jangan sesekali mencuba nasib dengan barangan yang baru di dalam pasaran kerana ianya bukan keperluan asas hidup. Barangan baru hanya sesuai untuk Negara yang tinggi gaya hidup mereka, mereka mampu mencuba barangan baru yang kononnya boleh meningkatkan lagi nilai dalam kehidupan mereka.
7) Pertanian dan perladangan juga salah satu bidang yang rendah risiko serta tinggi pulangan dengan syarat ianya berasaskan komoditi, bukan produk baru seperti kenaf, jatropha dan buah naga. Adalah disyorkan anda menceburi bidang yang telah terbukti pulangannya, contohnya seperti getah, kelapa sawit, ternakan ikan, ayam, lembu atau kambing, bidang ini telah terbukti selama beratus-ratus tahun malah ada yang beribu-ribu tahun lamanya. Hanya cara mengendalikannya perlu diperhalusi. Tetapi ini semua hanya sesuai kepada mereka yang memiliki tanah atau kawasan sendiri. Ianya tidak sesuai sekiranya anda ingin menyewa tempat atau membeli tanah secara berhutang.
8) Perniagaan yang berasaskan export adalah satu idea yang bagus pada masa kini. Contohnya pengexportan makan ringan ke Negara China. Export barangan hasil atau buatan Negara kita Singapura. Yang penting perdagangan secara tunai.
9) Kepada mereka yang ada simpanan dan bekerja, adalah dinasihati agar anda mempelajari ilmu pelaburan saham. Pastikan anda mempelajari pelaburan syarikat yang berasaskan kewangan yang stabil. Produk syarikat dan pengurusan yang telah terbukti keberkesanannya. Jangan melabur mengikut kata orang. Pilihlah syarikat yang membayar dividend tinggi. Jangan membeli saham syarikat yang mahal, pilihlah yang harganya di bawah NTA( net-tangible asset). Pastikan anda arif sebelum membuat keputusan.
10) Tingkatkan pengetahuan kita dengan membaca. Lebihkan bacaan anda dalam bidang kewangan dan ekonomi. Walaupun kita bukan ahli ekonomi, tetapi secara tidak langsung kitalah yang menjana ekonomi dan kita juga akan menerima kesan daripada ekonomi. Ahli ekonomi hanya mengambil kesempatan ke atas mereka yang tidak tahu tentang ekonomi dan kewangan di musim ketegangan krisis. Maka sesiapa yang tidak mengambil tahu apa yang berlaku akan menjadi mangsa.
Inilah ringkasan daripada saya yang juga mangsa daripada kenaikan minyak. Alangkah baiknya kalau pentadbir Negara kita dipilih dengan lebih bijak oleh rakyat yang sentiasa menjadi alat kepada mereka.
1) Jimat sebaik yang mungkin dan mulakan simpanan. Tidak berbelanja mengikut nafsu, beli hanya yang betul-betul perlu. Penampilan tidak diperlukan lagi, kerana kosnya terlalu tinggi. Wang simpanan ialah asas kehidupan. Kalau ada wang simpanan yang banyak, buat apa nak tunjuk kat orang? Senyap-senyap aje. Tak perlu penampilan.
2) Cuba hindari daripada berhutang dan sebaiknya selesaikan hutang yang sedia ada ataupun kurangkannya sebaik yang mungkin, kerana hutanglah satu-satunya kelemahan dalam bidang kewangan. Alasan anda hanya akan memudaratkan diri anda sendiri.
3) Sekiranya anda mempunyai pekerjaan, jangan berhenti atau cuba menukar ke syarikat yang lain. Seelok-eloknya kurangkan risiko anda berhubung dengan pendapatan. Begitu juga yang bekerja dan ingin menceburi bidang perniagaan, ini bukan masa yang sesuai untuk melabur atau berniaga, sekiranya perniagaan anda tidak menelan kos, mulakan secara sambilan, jangan berhenti daripada pekerjaan.
4) Berhenti tabiat merokok, minum arak, berjudi, berfoya-foya atau barangan yang mengkhayalkan. Sekiranya anda tidak mampu menanggung kos sara hidup, anda tidak layak menikmati nafsu-nafsu yang penghujungnya adalah maut. Biarlah orang kaya sahaja yang menikmatinya kerana susu dan pendidikan anak jauh lebih penting, anggaplah ini satu pengorbanan yang paling besar kepada orang yang tersayang. Hasilnya amat memuaskan.
5) Kepada mereka yang tidak bekerja dan ingin mulakan perniagaan dengan modal yang kecil, hindarkan daripada berhutang. Belajarlah cara pengurusan akaun yang bijak. Pastikan anda kenal apa itu asset dan liability. Buatlah perancangan yang elok dan tepat. Jangan terburu-buru. Planning without action is a day dreams, action without planning is a nightmare.
6) Jikalau anda ingin mulakan perniagaan, ingatlah bahawa Negara kita sedang dibelenggu krisis ekonomi, wang berbillion-billion telah dipindah keluar Negara, wang di dalam Negara kita semakin berkurangan. Pilihlah perniagaan yang berasaskan tunai, tanpa hutang daripada sesiapa. Seelok-eloknya perniagaan yang berasaskan komoditi, seperti makanan atau bahan asas kehidupan. Jangan sesekali mencuba nasib dengan barangan yang baru di dalam pasaran kerana ianya bukan keperluan asas hidup. Barangan baru hanya sesuai untuk Negara yang tinggi gaya hidup mereka, mereka mampu mencuba barangan baru yang kononnya boleh meningkatkan lagi nilai dalam kehidupan mereka.
7) Pertanian dan perladangan juga salah satu bidang yang rendah risiko serta tinggi pulangan dengan syarat ianya berasaskan komoditi, bukan produk baru seperti kenaf, jatropha dan buah naga. Adalah disyorkan anda menceburi bidang yang telah terbukti pulangannya, contohnya seperti getah, kelapa sawit, ternakan ikan, ayam, lembu atau kambing, bidang ini telah terbukti selama beratus-ratus tahun malah ada yang beribu-ribu tahun lamanya. Hanya cara mengendalikannya perlu diperhalusi. Tetapi ini semua hanya sesuai kepada mereka yang memiliki tanah atau kawasan sendiri. Ianya tidak sesuai sekiranya anda ingin menyewa tempat atau membeli tanah secara berhutang.
8) Perniagaan yang berasaskan export adalah satu idea yang bagus pada masa kini. Contohnya pengexportan makan ringan ke Negara China. Export barangan hasil atau buatan Negara kita Singapura. Yang penting perdagangan secara tunai.
9) Kepada mereka yang ada simpanan dan bekerja, adalah dinasihati agar anda mempelajari ilmu pelaburan saham. Pastikan anda mempelajari pelaburan syarikat yang berasaskan kewangan yang stabil. Produk syarikat dan pengurusan yang telah terbukti keberkesanannya. Jangan melabur mengikut kata orang. Pilihlah syarikat yang membayar dividend tinggi. Jangan membeli saham syarikat yang mahal, pilihlah yang harganya di bawah NTA( net-tangible asset). Pastikan anda arif sebelum membuat keputusan.
10) Tingkatkan pengetahuan kita dengan membaca. Lebihkan bacaan anda dalam bidang kewangan dan ekonomi. Walaupun kita bukan ahli ekonomi, tetapi secara tidak langsung kitalah yang menjana ekonomi dan kita juga akan menerima kesan daripada ekonomi. Ahli ekonomi hanya mengambil kesempatan ke atas mereka yang tidak tahu tentang ekonomi dan kewangan di musim ketegangan krisis. Maka sesiapa yang tidak mengambil tahu apa yang berlaku akan menjadi mangsa.
Inilah ringkasan daripada saya yang juga mangsa daripada kenaikan minyak. Alangkah baiknya kalau pentadbir Negara kita dipilih dengan lebih bijak oleh rakyat yang sentiasa menjadi alat kepada mereka.
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