Tuesday, November 29, 2011

Goal setting

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

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

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

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

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


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

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

Wednesday, November 2, 2011

Hutang oh Hutang...

Aku tak suka nak amik tau sangat pasal politik...tapi bila isu negara yang melibatkan kewangan, nak tanak aku teramik tau la jugak...sbb kewangan ni satu benda yang serius dan bukan boleh buat main2...ni melibatkan masa depan negara...kalau setakat isu liwat meliwat pun nak masuk berita perdana, memang aku tak hingin nak tau pun...

Apa pendapat korang dengan benda ni :


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

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

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

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

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

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

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



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

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