This year anniversary in public bank make a different environment and feeling to me; because as compare to last year June which I was fighting my very best to sell PB Australia Dynamic Balanaced Fund and PB USA recovery to make some changes to my life in PBB;2010 is for me to wait for my departure moment to be jobless. Start from June and end at the month of June..
For the first 1 and 3 months, I fight, I fight very very hard to get my confirmation in service in the bank after being extended the initial 9 months probation for another 6 months. Yet which many do ask me that I have work so hard and suffer so much to get the confirmation, why you decided to let it go so easily now?
I believe the most important for me is that it is not how hard I have work to achieve what I did before but to look what else that I want to achieve in the future and where should I stand in the next few years matter.
It is kind of developing during my career in Public bank which I have from the worst group of performance to a more satisfy performance that just to above the par and at least not to get scold by the management anymore.
Within this 2 years, I have not only learn more practical knowledge and gain the priceless experience in the commercial world but also to have plenty of friends that I have made and I have to forever treasure it with a tag of NOT FOR SALE.
Thank you to all of you;
My batch that joined together and trained together for June 2008;
My trainer that has share and help during this 2 years;
Colleague that I always kacau to look for clarification and explanation that sit in the 20th floor of Menara Public Bank;
Colleague that I always chase to speed up all the will case continuously in the 17th floor of Menara Public Bank;
My peers that sharing and supporting during the past 2 years especially who all suffer in klang valley area;
And of course all the support from my branch.
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Wednesday, June 16, 2010
Tuesday, February 10, 2009
Amend the Election Act instead of Anti Hopping Act
Repost of Friday, May 16, 2008
The law for Hopping issue..
The general election of 8th March has cost the BN their 2/3 majority in the parliament seats. Although they have setup the new government instantly but how long can this said government last for?
It has been a hot topic about MPs hopping from BN to Pakatan Rakyat particularly from East Malaysia after Dato Seri Anwar has publicly mention that he has successfully receive sufficient number of MPs to overthrown the BN government and build the new central government of pakatan rakyat. While on the other hand, the BN side seen like starting to draft an anti hopping act to prohibit any MPs from their side to hop to the opposition.
However, I personally think that any act that prohibit people included elected MPs to leave his/her/theirs existing parties to join others for their better matched political objectives, philosophies and views of nation and social affairs is unacceptable; it is just like prohibit a worker from leaving an organization and join another which found to have offer a better condition and environment.
My objection on the establishment of any anti-hopping act is to ensure that each and every Members of the parliament will be able to contribute more effectively and efficiently to fight for their voters under the flag of a more suitable political party.
Meanwhile, I suggest for amendments to be made on the existing election act in order to tackle the political hopping issue as below:
Election Act Sect xxx
Any of the candidates who won in the election as elected MP must remain in his/her said party as registered during the general election for his/her term of service of 5 years or prior to the dissolve of the parliament; any elected candidates who withdraw from the said party as registered (to join any others or remain independent) during his/her term of service should be automatically sacked as Member of the Parliament while a by-election should called up within the next 30days for new Member of Parliament for particular seat.
Sub- section:
The said MP who been sacked is eligible to be nominated for the said by-election as an independent candidates or candidates under his/her new party.
My suggestion is actually to ensure that politician/ any of the MPs are not restricted to remain in a party that he/she might not able to perform his/her responsibility as for the best of his/her voters.
Nonetheless, it also gave a second chance for voters to eliminate candidate who is purely a political speculator that hopping from party to another for his/her individual interest.
Lastly, if the said candidate remain as the MP after the by-election, it should be clear that the voters are satisfy with the candidate’s individual performance as the voice of theirs in the hall of parliament instead of the which party does he/she represent and serve for.
The law for Hopping issue..
The general election of 8th March has cost the BN their 2/3 majority in the parliament seats. Although they have setup the new government instantly but how long can this said government last for?
It has been a hot topic about MPs hopping from BN to Pakatan Rakyat particularly from East Malaysia after Dato Seri Anwar has publicly mention that he has successfully receive sufficient number of MPs to overthrown the BN government and build the new central government of pakatan rakyat. While on the other hand, the BN side seen like starting to draft an anti hopping act to prohibit any MPs from their side to hop to the opposition.
However, I personally think that any act that prohibit people included elected MPs to leave his/her/theirs existing parties to join others for their better matched political objectives, philosophies and views of nation and social affairs is unacceptable; it is just like prohibit a worker from leaving an organization and join another which found to have offer a better condition and environment.
My objection on the establishment of any anti-hopping act is to ensure that each and every Members of the parliament will be able to contribute more effectively and efficiently to fight for their voters under the flag of a more suitable political party.
Meanwhile, I suggest for amendments to be made on the existing election act in order to tackle the political hopping issue as below:
Election Act Sect xxx
Any of the candidates who won in the election as elected MP must remain in his/her said party as registered during the general election for his/her term of service of 5 years or prior to the dissolve of the parliament; any elected candidates who withdraw from the said party as registered (to join any others or remain independent) during his/her term of service should be automatically sacked as Member of the Parliament while a by-election should called up within the next 30days for new Member of Parliament for particular seat.
Sub- section:
The said MP who been sacked is eligible to be nominated for the said by-election as an independent candidates or candidates under his/her new party.
My suggestion is actually to ensure that politician/ any of the MPs are not restricted to remain in a party that he/she might not able to perform his/her responsibility as for the best of his/her voters.
Nonetheless, it also gave a second chance for voters to eliminate candidate who is purely a political speculator that hopping from party to another for his/her individual interest.
Lastly, if the said candidate remain as the MP after the by-election, it should be clear that the voters are satisfy with the candidate’s individual performance as the voice of theirs in the hall of parliament instead of the which party does he/she represent and serve for.
Sunday, February 08, 2009
Lobster Yee Mee in Sandakan
This is what you can enjoy in Sandakan, the Lobster yee Mee.
I believe from the photo itself speak everything, not much I need to explain while you need to taste it by yourself to get the actual like of it…
My comment: quite nice. It taste a bit like crab meat plus prawn… quote KFC slogan, finger licking good…
Saturday, February 07, 2009
Pineapple estate in front of my house
For the year of OX, my house has transformed to a Red Pineapple estate which look like a pineapple village if counted by neighbor house in which decorated with yellow pineapples.
But don’t misunderstood that we are in opposition, it is actually being informed that it has been a deal making whereby we do all in red and theirs all in yellow…
However due to the size of the pineapples, my house look more scary with the largest one is as tall as 4 feet.
Sunday, November 23, 2008
Government is always right....& "CLEVER"
After the changing of new finance minister and coming prime minister, I found that our government has been very good in calculating and packaging their income.
Announcement of 8% EPF contribution
Upon the announcement, it has been a general view for the EPF contributors to have an option to contribute 8% instead of 11% of current contribution rate in order to allowed more spendable income in public wallet.
However， the actual fact is that EPF has been mandatory reduced to 8% but provided that contributors can select for 11%.
nonetheless, the 3% of reduction is still yet to be announced or declared by the kind government as non-taxable income.
If the said 3% is remain as taxable income, it doesn't seem to be benefit much to the public as it has not only increase the income tax payable for all individual but also has reduce the retirement fund for employee.
under the 11%,
the 3% is in the government account as EPF contribution but owned by contributors which claimable by the respective contributors.
under the 8 %, the 3% is in the contributors wallet but lead to higher tax payable which receivable by the government as tax.
CONCLUSION: it seem like it will be more benefit to the government financial and treasury instead of the public wallet.
Petrol retail price
Reason of why the nation price hike to RM 2.70/liter is mainly due to the price increase of international oil price which record touch the point of USD 140 per barrel.
However, with current WTI crude oil price down to the point which below USD 50 per barrel, why the nation petrol price still stall at rm2 per liter?
First, the government has stating that, the strengthen of USD has affect the government ability to reduce the price.
I do agree that current USD value has been strengthen, but we should look back to the time that price being increase; Are the USD strong when the price up to RM2.70?
it has been a normal situation that the USD value and WTI price has going adverse,
weak USD will lead to strong speculation condition on the oil price;
strong USD will stop and reduce speculator ability to take on the WTI.
second, the government has take worry on petrol storage and potential losses by petrol station owner as reason of not able to reduce the price.
As such, I do agree on the petrol storage worry but the government has take action by penanlty on any petrol station which has not sufficient petrol storage, so it should not be an issue anymore.
meanwhile, the potential losses by petrol station should be offset by the potential profit taken during the price hike which has gone up from 1.9 to 2.7 per liter.
CONCLUSION: the government has increase the petrol price with solely blame on the WTI crude oil price,but has gave plenty of excuses in order to not reduce the price for the benefit of public.
nonetheless, the governement has record profit instead of subsidise the petrol price due to the down trend of internationl petrol price lately.
Announcement of 8% EPF contribution
Upon the announcement, it has been a general view for the EPF contributors to have an option to contribute 8% instead of 11% of current contribution rate in order to allowed more spendable income in public wallet.
However， the actual fact is that EPF has been mandatory reduced to 8% but provided that contributors can select for 11%.
nonetheless, the 3% of reduction is still yet to be announced or declared by the kind government as non-taxable income.
If the said 3% is remain as taxable income, it doesn't seem to be benefit much to the public as it has not only increase the income tax payable for all individual but also has reduce the retirement fund for employee.
under the 11%,
the 3% is in the government account as EPF contribution but owned by contributors which claimable by the respective contributors.
under the 8 %, the 3% is in the contributors wallet but lead to higher tax payable which receivable by the government as tax.
CONCLUSION: it seem like it will be more benefit to the government financial and treasury instead of the public wallet.
Petrol retail price
Reason of why the nation price hike to RM 2.70/liter is mainly due to the price increase of international oil price which record touch the point of USD 140 per barrel.
However, with current WTI crude oil price down to the point which below USD 50 per barrel, why the nation petrol price still stall at rm2 per liter?
First, the government has stating that, the strengthen of USD has affect the government ability to reduce the price.
I do agree that current USD value has been strengthen, but we should look back to the time that price being increase; Are the USD strong when the price up to RM2.70?
it has been a normal situation that the USD value and WTI price has going adverse,
weak USD will lead to strong speculation condition on the oil price;
strong USD will stop and reduce speculator ability to take on the WTI.
second, the government has take worry on petrol storage and potential losses by petrol station owner as reason of not able to reduce the price.
As such, I do agree on the petrol storage worry but the government has take action by penanlty on any petrol station which has not sufficient petrol storage, so it should not be an issue anymore.
meanwhile, the potential losses by petrol station should be offset by the potential profit taken during the price hike which has gone up from 1.9 to 2.7 per liter.
CONCLUSION: the government has increase the petrol price with solely blame on the WTI crude oil price,but has gave plenty of excuses in order to not reduce the price for the benefit of public.
nonetheless, the governement has record profit instead of subsidise the petrol price due to the down trend of internationl petrol price lately.
Wednesday, September 17, 2008
volatile of 16 September - Political
16 September should mark as a unlucky day for the whole world for the year of 2008.
16 September as the day we should all celebrate the Malaysia day which show the unity and the spirit of MALAYSIAN to get off from British Umbrella.
This day in year 2008 seem like an unhappy one as it have been overshadowed by opposition as day of roll over the existing government. Even I do not believe Anwar does get the numbers, but I still hope that 16 September could be an end for the instability of Malaysia Politic.However it seem like it is now just never ended but being developed to the next episode and chapter of the story board.
WHY NOT?
It has been reinstated for hundred times that Pakatan Rakyat leaders in west and east malaysia that they have gain enough numbers to establish the new government since mid of the year and noted that 16 september is the day of new government rolling...
QUESTION...
1. why you guys still need to meet BN MPs in Taiwan if you have confirmed with them earlier? there are only 2 reason:
1) they do not have the numbers yet
2) they do not believe the commitment made by BN MPs
(this one is dangerous which mean they do not believe each other if they join together as a team, NO TRUST.)
2. If you decided to take over by 16-September,all paper work and preparation must done and FULLY COMPLETED prior to the day. Pakatan Rakyat, you rang hari pertama dalam sistem politik Malaysia ke? you guys really those five little frogs on a log， ...
3. Since the topic of roll over started, we know that if success then we will see ANWAR in Putrajaya PM office..
Who will be the deputy or even deputies??
since when you see a PM or President announce his/her partner(s) after on going? need us to declared 1 week time for you to decide the whole cabinet??
16 September as the day we should all celebrate the Malaysia day which show the unity and the spirit of MALAYSIAN to get off from British Umbrella.
This day in year 2008 seem like an unhappy one as it have been overshadowed by opposition as day of roll over the existing government. Even I do not believe Anwar does get the numbers, but I still hope that 16 September could be an end for the instability of Malaysia Politic.However it seem like it is now just never ended but being developed to the next episode and chapter of the story board.
WHY NOT?
It has been reinstated for hundred times that Pakatan Rakyat leaders in west and east malaysia that they have gain enough numbers to establish the new government since mid of the year and noted that 16 september is the day of new government rolling...
QUESTION...
1. why you guys still need to meet BN MPs in Taiwan if you have confirmed with them earlier? there are only 2 reason:
1) they do not have the numbers yet
2) they do not believe the commitment made by BN MPs
(this one is dangerous which mean they do not believe each other if they join together as a team, NO TRUST.)
2. If you decided to take over by 16-September,all paper work and preparation must done and FULLY COMPLETED prior to the day. Pakatan Rakyat, you rang hari pertama dalam sistem politik Malaysia ke? you guys really those five little frogs on a log， ...
3. Since the topic of roll over started, we know that if success then we will see ANWAR in Putrajaya PM office..
Who will be the deputy or even deputies??
since when you see a PM or President announce his/her partner(s) after on going? need us to declared 1 week time for you to decide the whole cabinet??
Saturday, August 16, 2008
Annual budget for the year 2009
The coming national budget for the year 2009 which will be presented on 29 August 2008 should be all under full attention. Which it will be the first budget tabled by Barisan Nasional federal government after the loss of 2/3 majority parliament seats on March 2008.
Topics to be taken as consideration:
1. National financial deficit
Prime minister has been focus on reducing the financial deficit since his appointment as the successor of Tun Mahathir to ensure the financial condition of the country is well enough for the development of economy. However, it is a big question on whether to focus on reducing deficit or to table a well benefiting Malaysian budget.
2. World crude oil price and nation petrol retail price
With the current down trend of world crude oil, it is now the best time for the government to consider a reduction on the nation petrol retail price to encounter the current stressful high inflation rate recorded for the two consecutive months upon the petrol price hike.
3. BN game plan after general election
Since losing 2/3 majority in the parliament house and hike on the petrol retail price, it is should be the right time for BN government to improve their reputation and supports amongst Malaysian before the independent day.
4. Historical inflation high
Consumer Price index has been in a high level for the last 2 months after the petrol retail price hike to RM2.70. With this trend keep on, it could mean that the burden of living cost for the general public will definitely going sky high.
5. Non-performing loan concern
Although the central bank has decided not to increase the interest rate after the lately meeting, all commercial banks have start to be extra caution on loan facility approval in order to ensure the crisis of Non-performing loans will be happened again.
6. Pressure on central bank for interest rate hike
Since the CPI and financing risk moving upward, central bank has been under pressure to increase the interest rate although governor was not agree with it but it should be the time for central bank to pass “the ball” to the ministry of finance.
Topics to be taken as consideration:
1. National financial deficit
Prime minister has been focus on reducing the financial deficit since his appointment as the successor of Tun Mahathir to ensure the financial condition of the country is well enough for the development of economy. However, it is a big question on whether to focus on reducing deficit or to table a well benefiting Malaysian budget.
2. World crude oil price and nation petrol retail price
With the current down trend of world crude oil, it is now the best time for the government to consider a reduction on the nation petrol retail price to encounter the current stressful high inflation rate recorded for the two consecutive months upon the petrol price hike.
3. BN game plan after general election
Since losing 2/3 majority in the parliament house and hike on the petrol retail price, it is should be the right time for BN government to improve their reputation and supports amongst Malaysian before the independent day.
4. Historical inflation high
Consumer Price index has been in a high level for the last 2 months after the petrol retail price hike to RM2.70. With this trend keep on, it could mean that the burden of living cost for the general public will definitely going sky high.
5. Non-performing loan concern
Although the central bank has decided not to increase the interest rate after the lately meeting, all commercial banks have start to be extra caution on loan facility approval in order to ensure the crisis of Non-performing loans will be happened again.
6. Pressure on central bank for interest rate hike
Since the CPI and financing risk moving upward, central bank has been under pressure to increase the interest rate although governor was not agree with it but it should be the time for central bank to pass “the ball” to the ministry of finance.
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