Jumaat, 30 November 2007

Cost of living in Malaysia ....Too high?

Oleh Dr Zain Azrai , London

The argument in this thread from day one is the cost of living in each country (especially UK and Europe ) based on what you earn in the respective country and whether the standards are higher than in Malaysia . I tried to point out that many Malaysians always convert and that is why they say the UK is expensive. In fact, the cost of living is much cheaper than in Malaysia .

In actual fact, Malaysians are being conned because for such a rich and resource rich country, the pay in Malaysia is way too low compared to the cost of living and inflation. One good example is Singapore . Singaporeans (average) earns around S$3000 to S$4000 and nearly everything is half the price of Malaysia , e.g. clothes, computer parts, electronics, etc. But the average Malaysian still earns RM$2000 plus and goods are double the price of Singapore .

This is the same as the UK . If you earn around 2000 pounds, you can liken this to the person earning RM$2000 in Malaysia . I give you some examples below. Maybe you can understand.

1) Good terrace house

It is more or less the same. If you want a house in KL, it would most probably be in Puchong and not Damansara Heights . So your house would be RM$200,000. In UK ( London !), you can get a decent new house in Zone 6 (still within the tube) for 200,000 pounds. If non London , you can get a nice house also for less than 200,000 pounds outside London ( Manchester = <100, style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;" class="yshortcuts" id="lw_1196433497_26">Seremban, Kajang etc. You can buy a nice house for RM200, 000 below. So buying a house is the same for the local and the Malaysian.

Renting a place is the same too or maybe cheaper than in Malaysia (I am not sure of this). A 2-bedroom flat in London is about 750 pounds (Zone 2). 500 pounds outside Zone 6 but still able to commute to London . A 2-bedroom house in Nottingham is 450 to 500 pounds. A 3-bedroom house in Belfast and Manchester is about 300-350 pounds.

2) A car

A good Wira is RM$55,000. Most Malaysians have to take 7-year loans and be in debt all the time. If you are earning RM$2000 a month, you take nearly 3 years saving the RM$2000 with not eating at all just to buy a Wira . In UK , the average local earns about 2000 pounds. He saves 3 months, he can buy outright a good Ford Fiesta or a Vauxhall Corsa without being in debt. If buying a second hand car, even better. A 1990 Mercedes 190E cost 500 pounds. My 1996 Mercedes E220 cost 2000 pounds. My friend just gave me his 1989 Honda Accord (Auto) for free because he said he could only get 30 pounds for it. I used it for a few months and decided to give it of for free too.

That alone speaks for itself. Even if you are kuli or an office boy, you still can drive a Mercedes or a BM. Yes, kuli's and office boy's get paid quite well. Average temp/office boy in London can earn about 7 to 10 pounds and hour. Overtime is 1.5 times or double. A brick-layer can earn 20 pounds an hour. The same Indon who lays bricks in Malaysia earns RM$50 for the whole day.

Before I became a doctor, I used to be an office boy and I earned near 300 pounds a week working about 70 hours a week. My makan was 30 pounds a week. My rent was 70 pounds a week for a room but I still drove a BMW back then. I bought the 10-year old BMW 3 Series car for 200 pounds. Amazing how an office boy can drive a safe and luxurious car.

3) Petrol

For a UK person earning 2000 pounds, 80 pence (now: 92 pence) a litre /gallon is cheaper than RM$1.52 (now: RM$1.92!) paid in Malaysia . If you don't convert, it is like paying 80 sen a litre in Malaysia

4) Shopping

20 pounds (which is 1% of 2000 pounds) can buy you 1 week's worth of groceries in Tesco . RM$100 (which is 10% of RM$2000) can also buy you 1 week's worth of groceries in Giant or Carrefour.

5) Utility Bills (This is what I pay in UK )

Virtually non-stop heating the whole day only 20 pounds a month (Only 1% of the 2000 pounds earned). Electricity, I use my electricity maximum only 20 pounds a month .(Only 1% of the 2000 pounds earned) My water bill also comes to about 20 pounds a month (Only 1% of the 2000 pounds earned) My internet - I get 2Mbps for about 25 pounds (Bulldog DSL) (Alsoslightly above 1% of the 2000 pounds earned)

Astro Equivalent (NTL cable or Sky) - 30 pounds per month (Also slightly above 1% of the 2000 pounds earned). In Malaysia , this is what I used to pay: Tenaga Bill comes to RM$200 to RM300 a month with 3 air-cons. This is more than 10% of the RM$2000 earned) Water ( Puas ) comes to RM$40 (This is about 2% of the RM$2000 earned) Astro RM$100 (if you take Chinese package) (This is about 5% of the RM$2000 you earn) Internet Streamyx 512K RM 88 per month (This is about 5% of RM2000 you earn)

6) Books

A good book is about 10 to 15 pounds in the UK . This is less than 1% of the 2000 pounds you earn. In Malaysia , you have to spend RM$75 to RM$100 for a decent book in MPH or Kinokuniya in KLCC. This is about 5% of the RM$2000 ringgit you earn.

7) Education

I think it is about RM$20,000 per year to do a degree in Sunway Monash and about RM$12,000 per year to send your kid to UM, UKM, USM etc. I am not sure about this. But in UK , it is only 3000 pounds a year to send your kid to a great university. That also, the white man still makes a lot of noise because the grants were taken away. Previously, it was virtually free for the English man to send his kid to university but now, since the grant was taken away, he has to spend 3000 pounds per year to send his kid to university and less money to get drunk in the pub. Well, if you are earning RM$2000 ringgit , sending your kid to UM to study is quite difficult. If you are earning 2000 pounds per month, you can easily send you kid to university in the UK. Even worse for the poor non bumi's not given a place in local university.

Even if they can afford, they won't get a place because of the quota system. Unfortunately, the Chinaman and the Indian who gets 5A's in STPM have to be sacrificed and not given a place to let the Malay fellow with 2E's and 3 Fail's to enter the Medical Faculty or Law Faculty.

So the non- bumi's have to save RM100 ,000 per year to send their kid to the UK . In the UK , at least the white man still can go into university based on results and merit and only pay 3000 pounds per year.

8) Luxuries

Panasonic Plasma TV in Malaysia about RM20 ,000 . If you are earning RM$2000 a month, memang mahal ! You have to save 2 years your monthly salary to buy it. In UK , the same Panasonic (ironically, Panasonic plasma is made in Japan and Japan is close to Malaysia, so the plasma should be cheaper in Malaysia ) is only 200 pounds. And this is only 10% of the 2000pounds earned.

9) Health

NHS is free. Though the service is slow, quality is still there. You still can get a top quality by-pass for free although you may have to wait many months. In Malaysia , IJN charges RM$30,000. SJMC charges RM$50,000. GH is free but as many people know, GH and UH have clown doctors.

10) Assessments to local councils

I may pay high council tax but at least my council assures my streets are clean and safe, got no holes (pot holes) on my roads, and they jump and attend to me whenever I call them. When I stayed in Malaysia, I paid my assessment and quite rent but MPSJ I lived in Subang ) told me to " podah " whenever I asked them to come and fill up the pot holes, cut the long lalang , put street lighting etc The councils, especially MPPJ and MPSJ, were more interested in eating nasi lemak and going for 10 teh tariks in a day during office hours and hardly did anything for their residents.

11) Income Tax

My national insurance and income tax also is not wasted. When I was unemployed in 1997, the government, i.e. social security, paid for my 2-bedroom flat for one whole year and I was given about 100 pounds per week for me and my wife to live on. I am happy to know that one day if I lose my job, I can still claim social security and get my apartment paid and food to eat again for free. It is a good security to know. The list goes on. Here alone you can see , the sterling you earn goes a long way in the UK . So your quality of life is far better in the UK than a Malaysian in Malaysia . It is just that Malaysians are just too content with what they have. But you compare apple for apple.

The British just love to complain. They have it made but still they love to complain. Nothing is good enough for the British. The government gives the citizens so much but they still seem to want more and more.


AKU, KAU BERBEZA...AKU, KAU ISTIMEWA...

kiriman email dr Bro Z (untuk renungan bersama)

Beza Lelaki & Wanita


Lelaki

Lelaki bujang kena tanggung dosa sendiri apabila sudah baligh manakala dosa gadis bujang ditanggung oleh bapanya.

Lelaki berkahwin kena tanggung dosa sendiri, dosa isteri, dosa anak perempuan yang belum berkahwin dan dosa anak lelaki yang belum baligh. BERATKAN?

Hukum menjelaskan anak lelaki kena bertanggungjawab ke atas ibunya dan sekiranya dia tidak menjalankan tanggungjawabnya maka dosa baginya terutama anak lelaki yang tua, manakala perempuan tidak, perempuan hanya perlu taat kepada suaminya. Isteri berbuat baik pahala dapat kepadanya kalau buat tak baik dosanya ditanggung oleh suaminya. BERATKAN??

Suami kena bagi nafkah pada isteri, ini wajib tapi isteri tidak. Walaupun begitu isteri boleh membantu. Haram bagi suami bertanya pendapatan isteri lebih-lebih lagi menggunakan pendapatan isteri tanpa izin.

Banyak lagi lelaki lebih-lebih lagi yang bergelar suami perlu tanggung. Kalau nak dibayangkan beratnya dosa-dosa yang ditanggungnya seperti gunung dengan semut.

Itu sebabnya mengikut kajian nyawa orang perempuan lebih panjang daripada lelaki. Lelaki mati cepat kerana tak larat dengan beratnya dosa-dosa yang ditanggung (ikut kajian laa.)

Tetapi orang lelaki ada keistimewaannya yang dianugerah oleh Allah SWT. Ini orang lelaki kena tahu, kalau tak tahu kena jadi perempuan. Begitulah kira-kiranya.


Wanita

Auratnya lebih susah dijaga berbanding lelaki. Perlu meminta izin dari suaminya apabila mahu keluar rumah tetapi tidak sebaliknya.

Saksinya kurang berbanding lelaki.

Menerima pusaka kurang dari lelaki.

Perlu menghadapi kesusahan mengandung dan melahirkan anak.

Wajib taat kepada suaminya tetapi suami tak perlu taat pada isterinya.
Talak terletak di tangan suami dan bukan isteri.

Wanita kurang dalam beribadat kerana masalah haid dan nifas yang tak ada pada lelaki.


Pernahkah kita lihat sebaliknya??

Benda yang mahal harganya akan dijaga dan dibelai serta disimpan di tempat yang tersorok dan selamat. Sudah pasti intan permata tidak akan dibiar bersepah-sepah bukan? Itulah bandingannya dengan seorang wanita.

Wanita perlu taat kepada suami tetapi lelaki wajib taat kepada ibunya 3 kali lebih utama dari bapanya. Bukankah ibu adalah seorang wanita?

Wanita menerima pusaka kurang dari lelaki tetapi harta itu menjadi milik peribadinya dan tidak perlu diserahkan kepada suaminya, manakala lelaki menerima pusaka perlu menggunakan hartanya untuk menyara isteri dan anak-anak.

Wanita perlu bersusah payah mengandung dan melahirkan anak, tetapi setiap saat dia didoakan oleh segala haiwan, malaikat dan seluruh makhluk ALLAH di mukabumi ini, dan matinya jika kerana melahirkan adalah syahid kecil. Manakala dosanya diampun ALLAH (dosa kecil).

Di akhirat kelak, seorang lelaki akan dipertanggungjawabk an terhadap 4 wanita ini: isterinya, ibunya, anak perempuannya dan saudara perempuannya. Manakala seorang wanita pula, tanggungjawab terhadapnya ditanggung oleh 4 org lelaki ini: suaminya, ayahnya, anak lelakinya dan saudara lelakinya.

Seorang wanita boleh memasuki pintu Syurga melalui mana-mana pintu Syurga yg disukainya cukup dengan 4 syarat sahaja: sembahyang 5 waktu, puasa di bulan Ramadhan, taat suaminya dan menjaga kehormatannya.

Seorang lelaki perlu pergi berjihad fisabilillah tetapi wanita jika taat akan suaminya serta menunaikan tanggungjawabnya kepada ALLAH akan turut menerima pahala seperti pahala orang pergi berperang fisabilillah tanpa perlu mengangkat senjata.


MasyaALLAH.. .sayangnya ALLAH pada wanita ....

Seorang wanita adalah pelengkap dan sememangnya istimewa di sisi seorang lelaki, tetapi ingatlah wahai lelaki...kamu sebenarnya adalah istimewa disisi Allah, maka dengan sebab itu DIA mengangkat kamu menjadi pemimpin...maka dengan keistimewaan itu, JAGALAH dan HARGAILAH wanita sebaik-baiknya. ..supaya kelak masing2 lelaki dan wanita dapat pulang mengadap Allah dalam keadaan istimewa disisiNYA.

Ahad, 25 November 2007

In Holy Matrimony...


Merisik sudah,bertunang pun sudah
Nikah dilafazkan,sunnah diwarisi

Termeterai sudah janji kasih bermadah
Majlis persandingan diraikan kini....

Barang hantaran dr pihak lelaki...(promosi sket..mak lang buat tau!)
Women's POWER...org kuat disebalik tabir yg menjayakan majlis ni...
Inilah barisan kita...menuju ke rumah pengantin perempuan
WELCOME to our family...

Gembira.ALHAMDULILLAH segalanya selesai dengan sempurna...
Selepas ni turn sape plak agaknya..

RENUNGAN
Insan Hawa dijadikan dari rusuk Insan Adam bukan dari kepalanya untuk dijunjung,bukan dari kakinya untuk dialas,melainkan dari tangannya untuk dilindungi,dekat dihatinya untuk dicintai
Semoga berbahagia hingga ke akhir hayat..INSYAALLAH

Rabu, 21 November 2007

7 meaningful anecdotes



TRUST

TRUST is a very important factor for all relationships.

When trust is broken, it is the end of the relationship.

Lack of trust leads to suspicion, suspicion generates anger, anger causes enmity and enmity may result in separation.

A telephone operator told me that one day she received a phone call. She answered, "Public Utilities Board." There was silence. She repeated, "PUB." There was still no answer.

When she was going to cut off the line, she Heard a lady's voice, "Oh, so this is PUB. Sorry, I got the number from my Husband's pocket but I do not know whose number it is."

Without mutual trust, just imagine what will happen to the couple if the telephone operator answered with just "hello" instead of "PUB".

NO FINGERS POINTING



A man asked his father-in-law, "Many people praised you for a successful marriage.

Could you please share with me your secret?" The father-in-law answered in a smile, "Never criticize your wife for her shortcomings or when she does something wrong.

Always bear in mind that because of her shortcomings and weaknesses, she could not find a better husband than you." We all look forward to being loved and respected. Many people are afraid of losing face.

Generally, when a person makes a mistake, he would look around to find a scapegoat to point the finger at. This is the start of a war. We should always remember that when we point one finger at a person, the other four fingers are pointing at ourselves.

If we forgive the others, others will ignore our mistake too.

CREATING PERFECT RELATIONSHIPS










A person visited the government matchmaker for marriage, SDU, and requested "I am looking for a spouse. Please help me to find a suitable one."

The SDU officer said, "Your requirements, please." "Oh, good looking, polite, humorous, sporty, knowledgeable, good in singing and dancing. Willing to accompany me the whole day at home during my leisure hour, if I don't go out. Telling me interesting stories when I need companion for conversation and be silent when I want to rest."




The officer listened carefully and replied, "I understand you need a television." There is a saying that a perfect match can only be found between a blind wife and a deaf husband, because the blind wife cannot see the faults of the husband and the deaf husband cannot hear the nagging of the wife.




Many couples are blind and deaf at the courting stage and dream of perpetual perfect relationship.




Unfortunately, when the excitement of love wears off, they wake up and discover that marriage is not a bed of roses. The nightmare begins








NO OVERPOWERING



Many relationships fail because one party tries to overpower another, or demands too much. People in love tend to think that love will conquer all and their spouses will change the bad habits after marriage. Actually, this is not the case.





There is a Chinese saying which carries the meaning that "It is easier to reshape a mountain or a river than a person's character." It is not easy to change.





Thus, having high expectation on changing the spouse character will cause disappointment and unpleasantness.





It would be less painful to change ourselves and lower our expectations.










RIGHT SPEECH













There is a Chinese saying which carries the meaning that "A speech will either prosper or ruin a nation." Many relationships break off because of wrong speech.


When a couple is too close with each other, we always forget mutual respect and courtesy. We may say anything without considering if it would hurt the other party. A friend and her millionaire husband visited their construction site.


A worker who wore a helmet saw her and shouted, "Hi, Emily! Remember me? We used to date in the secondary school." On the way home, her millionaire husband teased her, "Luckily you married me. Otherwise you will be the wife of a construction worker." She answered ,"You should appreciate that you married me.


Otherwise, he will be the millionaire and not you." Frequently exchanging these remarks plants the seed for a bad relationship.


It's like a broken egg - cannot be reversed.


PERSONAL PERCEPTION




This is a true story which happened in the States. A man came out of his home to admire his new truck.
To his puzzlement, his 3-year-old son was happily hammering dents into the shiny paint of the truck.
The man ran to his son, knocked him away, hammered the little boy's hands into pulp as punishment. When the father calmed down, he rushed his son to the hospital.
Although the doctor tried desperately to save the crushed bones, he finally had to amputate the fingers from both the boy's hands. When the boy woke up from the surgery & saw his bandaged stubs, he innocently said, "Daddy, I'm sorry about your truck." Then he asked, "but when are my fingers going to grow back?" The father went home & committed suicide. Think about this story the next time someone steps on your feet or u wish to take revenge. Think first before u lose your patience with someone u love. Trucks can be repaired. Broken bones & hurt feelings often can't.
Too often we fail to recognize the difference between the person and the performance. We forget that forgiveness is greater than revenge. People make mistakes. We are allowed to make mistakes. But the actions we take while in a rage will haunt us forever.

Rabu, 14 November 2007

Akhirnya.....




TAHNIAH! Permohonan Pertukaran Anda telah diluluskan. Urusan perpindahan anda berkuatkuasa setelah mendapat surat kelulusan pertukaran yang rasmi daripada Jabatan Pelajaran Negeri yang berkenaan.



No KP
:
770619055656
Nama Guru
:
ADELINA BINTI SUID
Sekolah
:
SMK TAMAN UNIVERSITI 2
Dari Negeri
:
JOHOR
Mohon Ke Negeri
:
SMT
Status Pertukaran
:
LULUS
Kiranya...berita ini yg paling menggembirakan hati mak dan ayah..aku REDHA
Mak terus solat syukur...
Selamat tinggal kawan2...
Yang pastinya aku pasti merindui teratak bernombor 35...

Sabtu, 10 November 2007

jalan-jalan cari makan

kemanakah destinasi jalan-jalan cari makan kali ini?...(ayat mcm Maria Tunku Sabri dlm JJCM)..hehehe
kita singgah dulu ke port dickson..hehe
makanan kita kali ini ialah hidangan seafood iaitu kerapu masam manis,siakap bakar,udang goreng tepung n kerang bakar....
huhu....
hidangan ini telah ditaja oleh Pak Teh Sdn Bhd
rugi ooo...sape yg tak join...
to pak ngah n mak ngah....serta pak long...
JGN JELES EK!!....





penuh berselera dan serius menghabiskan makanan....





kanak-kanak riang yang turut serta...


Ahad, 4 November 2007

Polar bear love







high tea @tropical inn

Seperti biasa...acara tahunan KEBIRU.kali ni di Tropical Inn,JB...makanan ok,tempat pun ok...















Bersama kak Z a.k.a mak buyung yg kelihatan segar menghadiri majlis ini....kalau kat skolah ngantuk la,nak muntah la,pening la....


















Tak ramai kawan2 yg hadir...maybe byk jemputan open house kat tempat lain kot...


Ada harapan nak dapat lucky draw lebih ni..hehe


Mana tau dpt tv ke,dvd player ke,oven ke....hehehe














Akhirnya...berjaya membawa pulang 2 hadiah lucky draw....

Tak dpt dvd player pun takpe la...

Kepada kawan2...mungkin kah kita dpt bersama2 lagi pada high tea yg akan dtg??

Biar la masa dan keadaan yg menentukan....