Saturday, 20 February 2016
Thursday, 12 November 2015
How MALAYSIAN SAVE money...
Saturday, 17 October 2015
LEARN FOR A CHANGE ...
During the press conference to announce NOKIA being acquired by Microsoft, Nokia CEO ended his speech saying this "we didn't do anything wrong, but somehow, we lost". Upon saying that, all his management team, himself included, teared sadly.
Nokia has been a respectable company. They didn't do anything wrong in their business, however, the world changed too fast. Their opponents were too powerful.
They missed out on learning, they missed out on changing, and thus they lost the opportunity at hand to make it big. Not only did they missed the opportunity to earn big money, they lost their chance of survival.
The message of this story is, if you don't change, you shall be removed from the competition.
It's not wrong if you don't want to learn new things. However, if your thoughts and mindset cannot catch up with time, you will be eliminated.
Conclusion:
1. The advantage you have yesterday, will be replaced by the trends of tomorrow. You don't have to do anything wrong, as long as your competitors catch the wave and do it RIGHT, you can lose out and fail.
2. To change and improve yourself is giving yourself a second chance. To be forced by others to change, is like being discarded.
Those who refuse to learn & improve, will definitely one day become redundant & not relevant to the industry. Its a fact....🔦🔦
REGARDS
DRB...
Sunday, 27 September 2015
Friday, 25 September 2015
UPM - VET FACULTY CAREER DAY 14 SEPTEMBER 2015
Tq so much my beloved veterinarian friends. ...
Your words really encourage the fighting spirit and deepen my passion in poultry line.
I truly feel indebted to my 4 idols and because of them, I learned 4 important elements to become a successful veterinarian today. Even though they were not exclusively involved in poultry, but the values in them have driven me forward and increase my enthusiasm in this field.
The elements are:
1. Time - Dato' Prof Sheikh Omar
2. Patient - Dato' Prof Tengku Azmi
3. Passion - Prof Henry Too
4. Discipline - Dr. Nazariah Cheng.
Whenever I feel that I want to stop, surrender, give up or resign from this industry, I will thinking of them. Because of them I never give up and keep inspiring me to achieve what that I dream for.
" What comes easy won't last long and what last long won't come easy...."
+ " Why Not "......
These important words given by Professor Sheikh Omar able to remove all self restrictions in me and I believe to anybody also in this planet.
Everybody have a dream ...and without a dream, it just like a bird without wings.
To Dr. Jessica & Dr. Lee , tq so much for your moral support and attended my talk on that day......
REGARDS: DRB.
Tuesday, 18 August 2015
BERJIMAT SEBELUM TERLAMBAT..
RAZAK (bukan nama sebenar) akan bersara pada tahun hadapan. Dia risau dengan jumlah hutang tertunggak dengan bank beberapa tahun ini.
Razak yang bekerja sebagai guru besar di salah sebuah sekolah di Pahang sejak lebih 20 tahun dahulu Razak juga menghidap penyakit diabetes dan darah tinggi.
Sejak beberapa tahun kebelakangan ini, dia asyik menggunakan kad kreditnya untuk membiayai perubatannya dan menampung pembelajaran dua anaknya di institusi pengajian tinggi.
Dia juga menanggung dua cucunya yang masih kecil kerana seorang lagi anaknya baru sahaja bercerai dan tidak bekerja. Isterinya pula suri rumah sepenuh masa.
Razak sudah tidak membayar hutang kad kreditnya selama hampir dua tahun. Dia mempunyai dua kad kredit yang masing-masing mempunyai jumlah tertunggak sebanyak RM20,000 dan RM 29,000.
Lebih memeritkan lagi, Razak juga terpaksa membayar RM500 setiap bulan akibat menjadi penjamin kepada rakannya yang pernah membuat pinjaman dan diisytiharkan muflis.
Dengan pendapatan bulanan sebanyak RM8,000 sebulan, jumlah pencen yang bakal diterima dianggarkan sekitar RM 4,000 sebulan dan jumlah itu sudah tentu tidak mencukupi untuk membayar hutang kad kreditnya memandangkan taraf kesihatannya juga semakin merosot.
Dia juga mengakui tidak mempunyai simpanan kerana kesemua simpanannya digunakan untuk membayar yuran pengajian anak-anaknya di universiti.
Pada satu hari, ketika Razak menghadiri taklimat anjuran majikannya, pihak penganjur menjemput penceramah daripada AKPK untuk memberi penerangan mengenai pengurusan kewangan peribadi.
Melalui taklimat inilah Razak mula mengetahui mengenai AKPK dan berhajat untuk ke pejabat AKPK bagi mendapatkan bantuan.
Kaunselor AKPK membantunya dengan membuat pelan pembayaran untuk kad kreditnya dengan jumlah yang dipersetujui pihak bank dan mampu dibayar.
Sebagai tambahan, kaunselor AKPK mencadangkannya supaya menasihati anaknya supaya mencari pekerjaan agar dapat membantu.
Dengan keadaan sedikit lega, Razak dapat menghembus nafas lega. Cuma apa yang dikesalkannya adalah mungkin tidak dapat menikmati kehidupan persaraan dengan selesa akibat daripada kesilapan yang dilakukan ini....
Friday, 7 August 2015
Poultry veterinarians in Malaysia
Wednesday, 5 August 2015
Why German work fewer hours but produce more?
Saturday, 1 August 2015
Revolusi telegram messenger
Wednesday, 29 July 2015
LEPAKING CULTURE
"LEPAKING CULTURE " 29.7.2015 7.10am Wednesday Such a cold morning....my blood temperature start to rise seeing few students still "lepaking" in front of the school. It really get to my nerve. I stepped out from my car and politely ask the school prefect to instruct the students to walk inside the school compound immediately. The culture of "lepaking should be prevented from the roots before of it nutured inside our young bloods nowadays. Few parents around were shocked with my action and feel grateful with effort taken to ensure the student follow the rules and avoid misbehaviour. Since the school is belong to everybody concerned it is our duty to keep it alive, strong, clean & respectful institution. Regards, DRB...... "Lepaking"= Hang around.
Saturday, 4 July 2015
The $10 challenge
Throwback Thursday - The RM10 Challenge 2 Years On
Its Throwback Thursday and we're revisiting a post that made quite a few people think. Two years on and we asked the question again; can you really survive on just RM10 daily in a post- GST Klang Valley?
Personal Finance Newsby Austin Victoron May 27 2015
Just two years ago, our article titled, 'Can you survive living in the Klang Valley with just RM10 a day?', created quite the uproar of mixed views and opinions amongst most working adults and students. From comments on-site to Facebook and even local forums, the topic was debated.
As a throwback Thursday special, we decided to re-look into the question. Where cost of living is concerned, much has changed over these past two years: the Goods and Service Tax (GST), electricity tariff, petrol, toll and even profiteering over something as simple as lady's fingers all seem to be the norm in daily newspapers. The cost of food continues to stretch our ringgit to breaking point.
Today we examine the lengths to which your red note can possibly stretch in a daily landscape of affordable meals where everything seems to be on the rise.
Stretching Your RM10 Bill
We first need to remind you that this assessment started off in good fun two years ago and should be treated such today. Inevitably, it has struck a chord in most of us about the rise in cost of living as well as to appreciate little that you have because someone else might not be as fortune favored.
Getting back on track; its almost impossible to utilise a RM10 bill to fulfill three meals a day in modern Klang Valley. Some agree, while others don't. The fact of the matter is RM10 for a day works more as a nutrition-jeopardising survival kit rather than a self-imposed way of life.
Like how the above statement is debatable, some actually find joy in eating cup noodles or even nasi lemak bungkus regularly while others see those consumables as red flags for health.
The table below will illustrate the steady ascension of price in these potentially hazardous popular and affordable foods which can be included in your meals. Bear in mind that these prices are in the form of averages, therefore they are presented in ranges rather than specific digits.
Food / DrinksYear & Price
-201320142015
Nasi Lemak BiasaRM1.20 – RM2.20RM1.40 – RM2.30RM1.50 – RM2.50
Roti CanaiRM1.00 – RM1.20RM1.00 – RM1.20RM1.10 – RM1.50
Thosai / DosaRM1.20 – RM1.70RM1.30 – RM2.20RM1.60 – RM2.40
Maggie GorengRM3.00 – RM4.00RM3.40 – RM4.50RM3.80 – RM4.80
Teh TarikRM1.00 – RM1.30RM1.00 – RM1.50RM1.20 – RM1.80
Ais KosongRM0 – RM0.20RM0.20 – RM0.40RM0.20 – RM0.50
*Prices may vary depending on establishment standards and areas outside of Kuala Lumpur and Petaling Jaya.
So, how much can you really afford with a RM10 bill for, let's say three meals in a day by having some of the popular inexpensive food and drinks above? Even at the cheapest item - an RM1.50 roti canai and RM0.50 ais kosong; you've hit RM6 per day and have just one of the multitude of food groups you need to survive. Contrast this with prices just two years ago? RM4.20 for the same meals.
Notice how steadily prices have increased every year? This means that in time to come, even affordable food and drinks will no longer be, well, affordable. And there most certainly are other counter measures to surviving on the given amount, but of course everything comes with a price. Cup noodles or packet noodles that are considerably cheap contain preservatives, which a lot of people see as a running medical tab while some believe its a small price to pay for an inflated credit.
Whilst at one time, we could eat cheap and unhealthy food to keep within budget - now even the cheap and unhealthy grow steadily out of reach.
Some would perhaps still suggest cooking at home but even regular groceries have not been spared the insidious price hikes. Considering the time and effort it takes to cook and pack lunches to take to work - will the effort really save us money once we factor how expensive basic goods have become?
At the end of our calculations for daily meals, it appeared we have little left to cover even a bus ticket. Such a far stretch of an RM10 note to even buy 3 meals a day made the thought of putting in a cost for commuting seem rather disingenuous. With petrol costing so much more and public transport fee hikes - there seemed no real way we could stretch that RM10 to factor transportation as well unless we all rode bicycles to the office.
The Verdict: 2 Years Later
Whilst we said two years ago that it would be possible but tough; today we cannot. Although, GST was only supposed to be 6% - the cascading affect seems to have caused food prices to balloon 30-50%. A plate of wanton mee is RM5.50; a cup of teh-o RM1.40; and the once reliable pack of Hup Seng Cream Crackers cost a good RM4.80 per pack now. What was once a humble meal - is now rivaling the price of a sit down, air-conditioned diner.
Of course, the hawkers will decry this unfair assessment. Price increases have affected them too and they claim they are forced to increase their prices. Maybe this is fair; maybe it isn't.
But whilst we argue the fairness or lack thereof contained in the cascading effect of government consumer policies; the unfortunate lower income brackets ponder their next meager meal or which one to skip to make ends meet. The question of whether we are paid enough remains unanswered. One thing's for sure though, the impending doom of hikes in affordable food and drinks as well as cost of living is here to stay. We shudder at the thought of what prices will be like another mere two years down the road.
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