I am confused. Even tough i am born in Malaysia, but i am not entitled for all the benefits provided by the government!
Since 1970, the Malaysia government has strengthened its policy of restructuring the resource among different races. It categorizes Malaysian into 2 classes, the bumiputra and the non-bumiputra. If you are bumiputra(majority are Malays, the rest are natives in West Malaysia, p.s. all Malays are bumiputra, you are entitled to all kinds of government aids such as higher chance to study at local universities, lower price for a house, lower price for a car, you will be given loan to invest in government-launched mutual funds(imagine, loan interest rate is lower than the fund's interest, it is equivalent to give out money for FREE!), you are guaranteed to get the contracts from the government or government-linked companies and many more!
If you are born as non-bumiputra(Chinese take the majority, the rest are Indians and etc.), you can only dream about this!
In the 50's of last century, Malaysia used to be one of the most prosperous nations in Asia! It is a wonderful land. It has a lot of natural resources such as palm trees, rubber trees, petroleum and a lot more. The people here do not suffer from disasters such as earthquake, typhoon, volcano eruption and so on. Despite having an evil intention of robbing the resources here, British government undeniably introduced a good system here to administrate the nation. They trained a lot of Malays as public servants to assist them in running this country. They brought in Indians from their another colonized land India to work in rubber estates. They opened doors to Chinese to come to this land to work at tin mines and to run businesses. You can see everybody had put a lot of efforts to build a strong economy foundation for Malaysia.
In the 60's, Taiwan and South Korea were still way far behind us. A lot of Taiwan girls longed to get married with Chinese from the then called Malaya. However, they developed so fast and were categorized as the "4 little dragons" during the 80's in Asia! Today they produce so many famous brands such as Acer, BenQ, Asus, Samsung, Hyundai and etc. What do we have in Malaysia? Proton??? Come on, it is still a kid who needs protection from the government! It has been 30 years already! Bear in mind that our neighbors such as Vietnam and Thailand are ready to overtake us! Not to mention China, since years ago it was already ahead of us! They have famous brands nowadays too!
Why Malaysia progressed so slow?? Certainly it is due to the racist policy enforced by the government, to be more exact, from the biggest party in Malaysia which is UMNO. The politicians in UMNO exploit the policy to put most of the money into their own pocket. Then only they give out the remainder! They practiced favouritism. Tthat is why today there are still a lot of poor Malays here in this nation! How many Malay students who are sent to ovesea by Malaysia government did not complete their studies or prolonged their length of study? When you have something free easily, you normally will not appreciate so much!
I only saw government(or UMNO only) did nonsense to save those Malay tycoons during the economic crisis in year 1997! Imagine, due to poor management, a Malay tycoon caused a big corporation which is worth billions of Ringgit(Malaysia currency) to collapse, our cute government bought over the company at an unreasonable price which is few times higher than the company's share value then! Come on man! It's our money! The money belongs to we people!
More disappointing facts are, nowadays still some of the MP(member of parliament) shouting in the parliament to ask Chinese to get out from Malaysia! Come on man, do you think you have enough money to feed your people without Chinese here in Malaysia? To be honest, think about this, Chinese never live in this land, do you think Malaysia can progress so much? It could be today Malaysia is 30 years behind Thailand! How much money had Chinese contributed to Malaysia! Think about it before u said something so stupid!
Over so many years, how much taxes did Chinese pay to the government? How much did government use to do something that brings equal benefits to all Malaysians? Money have been spent to build a lot of Malay schools, contracts have been offered to the "Ali Baba" (a company that gets contracts or licenses and later sells to other companies, often it earns by doing nothing). Chinese have to sacrifice a lot so that they are able to send their children to universities! Chinese have to donate money to get the Chinese schools built! Chinese have to go to oversea such as Singapore to work! The fact is, up to today there are 2 millions of Chinese Malaysians working overseas! Most of them are high rank executives or experts from certain fields! Why does all this happen? Think about it! We are treated as 2nd class citizen! Imagine if these 2 millions of experts work for Malaysia, we could have progressed much more, could not we?
We love this land too! We love the 'varieties' here! Varieties of races, varieties of languages, varieties of food! Yeah! That is Malaysia!
Tell me, fellow Malays out there, is it fair to treat us non-bumiputras this way? Do you guys think that Malaysia will be good without the other races here? a
Is it fair that every public listed companies must give out 30% of their shares to the bumiputras?
The Malay special privilege policy only tells one thing, you guys are still weak and need protection.
Don't you guys feel ashamed? You guys want to be weak and be looked down on forever?
Do you guys know Malaysia is the only nation in this world that practices the policy that protect the majority races?!
Our government are feeding 75% of the Malaysian population with the fortune from the 35% of the population. How long can our nation stands when the fortune that can be 'robbed' from the 35% of the population is getting lesser and lesser?
Tell me!
星期五, 五月 16, 2008
星期四, 五月 15, 2008
Switched mutual fund to protect my profit!
After 22 months(almost 2 years) of buying Public Ittikal Fund, finally today i decided to switch to another fund to protect my profit.
The return rate of the fund is very impressive. It achieved a total return rate of around 39% which also means around 20% per year on average. Since the day i bought this fund i have been very confident of it as it has a handsome history. The statistics told me this fund is really worth to buy! Back then i really took a lot of time to actually study each funds and also compare each of them before i made my move.
Too bad i missed the golden moment last year. The fund raised so remarkably. At one time it even achieved an overall return rate of more than 40%! I damn regret now! I should have sold it off during that time! Well, one of my customer chose to sell his fund off last year. It so happened that he needed money during that time. Thus he managed to enjoy the 40%++ of return rate! Oh yes, he bought Public Ittikal too because i am the one who recommended this fund to him!
Luckily after the huge decline of the KLSE stock market due to the 'Political Tsunami' which took place on 8th of March 2008, Public Ittikal's price has been gradually restoring to the level which reflects its actual value.
The big drop of March really taught me a lesson. I decided not to be so greedy anymore. To me, 20% of return rate per year is considered a great achievement already. That's the standard practiced by Warren Buffet all this while!
After several days of serious thought, this noon i went to the nearest Public Mutual branch and did the switching. Anyway that was my first ever fund switching.
I switched the fund units to 2 different conservative profile funds.
The return rate of the fund is very impressive. It achieved a total return rate of around 39% which also means around 20% per year on average. Since the day i bought this fund i have been very confident of it as it has a handsome history. The statistics told me this fund is really worth to buy! Back then i really took a lot of time to actually study each funds and also compare each of them before i made my move.
Too bad i missed the golden moment last year. The fund raised so remarkably. At one time it even achieved an overall return rate of more than 40%! I damn regret now! I should have sold it off during that time! Well, one of my customer chose to sell his fund off last year. It so happened that he needed money during that time. Thus he managed to enjoy the 40%++ of return rate! Oh yes, he bought Public Ittikal too because i am the one who recommended this fund to him!
Luckily after the huge decline of the KLSE stock market due to the 'Political Tsunami' which took place on 8th of March 2008, Public Ittikal's price has been gradually restoring to the level which reflects its actual value.
The big drop of March really taught me a lesson. I decided not to be so greedy anymore. To me, 20% of return rate per year is considered a great achievement already. That's the standard practiced by Warren Buffet all this while!
After several days of serious thought, this noon i went to the nearest Public Mutual branch and did the switching. Anyway that was my first ever fund switching.
I switched the fund units to 2 different conservative profile funds.
星期三, 五月 14, 2008
512四川大地震中国当局反应迅速
不得不佩服当局针对地震所作的快速反应，无疑这有赖于中国国力在这几年内的迅速壮大，集体专制领导制度发挥了很大的作用。
网上遍布了好多的相关资讯。
连百度也迅速换了标题图案。
网上遍布了好多的相关资讯。
连百度也迅速换了标题图案。
Ali rustam had supper at Subaidah Cafe
Just now, I had my supper with my friend at one cafe called Subaidah. We spent there for around 2 hours more. When we were about to leave, we saw chief minister of the Melaka state, Ali Rustam came together with one of his friend. I think he just finished OT? Haha.
Anyway, as he showed up, a group of customers from the table next to us quickly dashed forward to shake hand with him. Wow! Do they really need to do that?
Anyway, as he showed up, a group of customers from the table next to us quickly dashed forward to shake hand with him. Wow! Do they really need to do that?
星期二, 五月 13, 2008
星期六, 五月 10, 2008
黃子講座 - 馬來西亞華人的前途
昨晚离开公司后就匆匆驾车前往黄子讲座去了。因为是在回家乡的路程中，因此更觉得不能错过。听了之后可以顺便回家嘛。很可惜，还是迟了半个小时，错过了前半段的演讲！
黄子乃马来西亚著名政治评论家之一。其文章不时刊载于各家报章。其文尖酸刻薄，极尽挖苦政坛社会小丑之事，精彩万分！乃我自张木钦之文章后的心头所好。自本地爱FM推出早上时事评论节目以来，黄子乃受多为邀嘉宾之一。其言论时常引经据典，采取反讽的策略，令人听了拍案叫绝！十分有趣！
以往得知黄子似乎与我来自同样家乡，昨晚更证实了此一事。因有为听众欲提出问题时，黄子认得此人乃昔日中学校友，凭此我就能肯定了，因为我来自同样的中学，是黄子黄先生的小学弟。
黄子乃吾校之光啊！
言归正题，吾凭记忆，摘录了黄子之讲座的重点：
1）马来西亚华人在各种重要经济领域上逐渐失去参与的机会。例子有重工业、石油业等等。原因是政府自1969年推行新经济政策以来，限制了非土著（大多数是华人）的经商机会以培养大量的马来商家。政府在重要领域所推行的工程有好多都是为马来承包商所标得，华人的可谓寥落晨星。加上自马哈蒂推出政府机构私营化政策以来，创造了一堆政府相关巨无霸公司，这些公司更是落力的施行政府的土著政策，所以逐渐的，有更多的私人领域份额也为马来人所侵占。
从黄子一个领域一个领域的分析来看，马来西亚的华人情况确实如热窝上的蚂蚁，身为华人的我，听了也是十分的惊心！其实，如时常阅报，就能发现现在最红的棕油业、石油业及银行业等等已有大把的马来商家参与了，华人已逐渐失去份额。 看看那些大集团的董事成员吧！事情就清楚了！
难怪好多上了年纪的朋友都劝我有机会就往国外发展。这不是一个人的观点，而是许多人的观点，我现在逐渐相信好多华人都不看好自己在这个国家的前途！
2）30年以来，马来西亚为世界各地“贡献”了200万的人才，绝大部分都是华人！政府的种族偏差政策造成了这些一流人才外流，形同“赶”出了这些人！这个数目好大啊！黄子举例，香港97年金融风暴的“救世主”金融管理局主席任志刚先生本身就是马来西亚人！他还说，上海如今有数以万计的马来西亚华侨！看来，某一程度上也还了我们南来祖先的心愿，光荣回乡、贡献祖国！
更何况还有人才磁铁 - 新加坡！好多马来西亚华侨都在那儿艰苦打拼啊！
而且，我们的华裔企业家如郭鹤年、郭令灿、杨忠礼等人都悄悄的把财富转移出马来西亚了！此乃实话，我亦认同！
3）黄子也说了一些不为人知的故事，前任财政部长拉萨里任职国油公司时，为国油在海外储备了大量的外汇！当97年金融风暴将临时，这笔外汇拯救了许多马来西亚的大型政府相关公司！减缓了风暴所带来的巨大冲击！ 黄子觉得我们须感谢他！
另一个故事是，当前任槟城首席部长林苍佑欲引进外国直接投资，推展电子业时，当时的首相马马哈蒂听得一头雾水。只是当他知道此计划会为国家带来利益时就赞成了。因此马来西亚是与台湾、韩国同一时期发展电子业的。有个时期此项计划为槟城及我国带来了很多的外汇！也提供了大把的就职机会！
但是，如今看看我们的成果，真令人摇头叹息！韩国、台湾已有了很多的国际知名品牌！而我国的国产车仍要指靠政府打救！
黄子分析，此乃我国原地踏步，没积极研发、提升、转移外国厂家技术之所致。我们数十年来都是为外国厂家做着装配的工作！又何来的进步呢！？
个人意见，连中国自数年前都已经大步超越了我们！
至于新的发展项目如伊斯干达特区，所谓的外资都是些阿拉伯油钱来炒地皮及房产等非生产性项目！长远来说对我国是没有好处的。
黄子的忧虑是，在面对其他各国（如越南、泰国、印尼）的竞争下，很多外国厂家必因成本问题而搬出国外，届时我国的华人会首当其冲，因为有好多的华人专业人士如工程师之类的多在此类外国厂家工作！
至于那些比较低级的工作往往是一些外劳在做，如果厂家搬走，这批外劳必定失业，如果他们还留在我国，必成治安的一大威胁！
今日阅报，一财经专家说，根据数据分析，我国电子工业有萎缩的迹象，更证明了黄子先生之论！
4）黄子说，华人务必要自我提升，掌握中英双语，以便能往世上任何一个国家去！方能逃过渐渐降临的劫难！只要是人才，在任何国家比能生存！甚至壮大！
黄子举例说，既然我们的阿公阿嫲不识字都能在马来西亚落地生根，在财富上拼个春天来，为何身为子孙的我们不能在异地表现得更出色？！
黄子也对最近的38政治海啸感到欣慰，他比喻如“看到了一线曙光！”。至少政府会推出符合人民利益的政策！但是，前景还是很不明朗，需时观察！
我的心得：
黄子的讲座对我来说确实是落在对的时刻！
我现为该在事业上做出什么选择而烦！欲留还是走？
我的目标其实是想多累计多谢国际化的经验，多跟外国人士沟通！所以找的都是能提供员工外国培训之类机会的公司，面世了好几间，也拒绝了他们，往往是地点上的问题。
如今看来，时间迫切，为了我们的子孙, 惟有委屈少许，趁危机未来到时就逃之夭夭，顺便帮助亲朋戚友！避过劫难！
劝各位马来西亚华人同胞务必正视此事，莫等劫至、呼天不应、呼地不灵！
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