Keistimewaan Diisytiharkan Menjadi Bankrap

Satu artikel yang menarik berhubung mitos tentang kebankrapan.

Keistimewaan Diisytiharkan Menjadi Bankrap

Perangi Ah Long

Tak masuk akal!!! pinjam RM3,000 bayar balik RM35,0000 ...itu kata Datuk Seri Hishammuddin Tun Hussein apabila memberi komen terhadap apa yang berlaku sekarang terhadap aktiviti-aktiviti pemberian pinjaman tidak berlesen. Beliau akan perangi along habis-habisan katanya di sini.

Sebenarnya banyak kaedah boleh diambil untuk mengatasi masalah ini.

Salah-satunya yang dilihat ialah peranan surat khabar terutamanya surat khabar berbahasa melayu yang banyak memberi ruang iklan-iklan kecil pemberi pinjaman tidak berlesen ini untuk mempromosikan perkhidmatan mereka. Satu pengorbanan besar haruslah dilakukan oleh pengamal-pengamal media-massa dengan menolak semua permohonan untuk mengiklankan perkhidmatan ah long ini di akhbar-akhbar mereka. Walaupun diakui ini bukanlah satu-satu cabang pemasaran yang digunakan oleh pihak ah long (selain dari merosakkan pandangan mata kita seharian dengan iklan-iklan tidak berlesen di tempat-tempat awam) tetapi sedikit sebanyak ianya mampu mengurang masalah ini.

Sanggupkah surat khabar-surat khabar melayu darii Kumpulan Utusan dan NSTP mengambil keputusan yang akan mengurangkan pendapatan mereka ini (yang sudah tentu tidak akan popular kepada pemegang saham) atau sama-sama bersama kerajaan membanteras kegiatan yang semakin menjadi barah kepada negara ini.

Why this super big insurance corporation deserve to collapse?

Yesterday i received a call by 'this super big insurance corporation' agent (lady) to congratulate me for signed up to their product when i bought AirAsia flight ticket through online a couple of weeks ago.

Thanks again for them for good PR.

After congratulate me she continue by introduce new protection plan. I just listen and listen to her explanation without much interruption. At the end of explanation, she said the policy will be couriered to my house address and i will start to pay next month. WHAT?...what i need to pay? when was i agree to the product? i asked her again when was i agree to the product? but she didn't answer and then asked me (again) wether i agree to the product or not? I answered boldly that i didn't agree to the offer. Now it about my turn to start explain to her what is good ethic in selling the product but she just put the phone.

Many of times, we understand that evolution in business is quite rapid and robust but please do not leave ethic values behind especially when you are a super big insurance corporation just like what i had counter yesterday. What happened if someone just listened and listened (pretending listen and understand) finally receive credit card bill with 'nice' outstanding balance. I didn't say they 're not telling truth but selling product this way is just unacceptable (at least for me)

This super big insurance corporation already have our detail particulars such as credit card number (even those 3 security digit at the back of your card). They only need we say 'yes' before proceed with the sale.

IS THIS THE REASON WHY THIS SUPER BIG INSURANCE CORPORATION IS ABOUT TO COLLAPSE?

TNB turn red and IPPs lol

Watched the Buletin Utama and read online news that our sole power provider TNB for this country announced loss RM944 million in the 2nd quarter ended November 30 2008.

TNB claim loss because of forex exchange,weaker demand and fuel cost.

TNB also warned that it performance for the year will be worse than 2008.
Whom TNB warned? Government, us as customers or shareholder for it's own bad perfomance.

TNB possibly warned government that its revenue is already tight so do not try to cut the tariff.

TNB possibly warned customers that they have to maintain current rate (at least) so please do not dream of enjoying lower tariff.

BUT TNB cannot give a warning to our beloved corporations under the name of INDEPENDENT POWER PRODUCERS (IPPs) that suck the money from TNB's pouches of 9.5bil for FY2008 and it will soar to 12bil this year eventhough demand for the power forecasted to drop this year due to economic slowdown. According to TNB, payment for these IPPs and fuel cost represent 60.5% of their operating cost.

Everybody knows that the main problem here is not foreign exchange or fuel cost but it's all about IPPs. Look like nobody can do anything with this IPPs.

Even our government can't do anything when they try to imposed windfall tax but eventually revoke after certain pressure put by certain parties mainly the financiers to this IPPs.

So who else can we give hope?

Let's Read The Quran

I support the idea of reading and understanding the Quran initiated by Nuriana A Samad here.
Only things to remind is please do not read/understand it out of context and don't just read the part of which you like and ignore the part of which is not favour to you.
If having problem or grey area, please refer to the right person.

As a muslim, i have been trying my best all day and night reading and understand the contents of Quran as well as adhering to all the orders and put aside of what're being prohibited.

Hoping also that all muslim just don't stop reading by 14 February, continue it for the rest of your life and practice it.

2009 Resolution

For really-really long time not updating my blog.

Busy is always the reason i give for not updating my blog but i dont think so. Everything we do is always relate to the commitment we put or promise to put.

For 2009, i promise to commit certain amount of my time scratching this blog. Why i'm doing so if it could burden me and at last i feel guilty of not update it? ...everybody has reasons for that.

As for 2008, it have been thru smoothly in me..a lot of new thing happen and experience it and eventually had feel the effect.

Merapoh Pahang

We manage to snap few pixs while on travelling back to KL after hari raya's holiday. This long Q situation is quite normal for every kelantaneses who choose to drive by Gua Musang town heading Klang Valley.

If normal trip will take around 8 hour for 450km long journey (maybe shorter for Schumi's driving style drivers), for festive season like this it could be up to 12 hours.

pics taken at Bukit Tujuh, Merapoh Pahang.