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lionsleepin posted on 5-9-2014 12:31 PM 
hahahahh...sama dengan ai..guna streetview sangat membantu..
aritu bawak family ngn org tua ter ...
bagus gak idea tu ek...kita google siap2 tgk streetview..aku tau psl streetview masa paul walker meninggal thn lepas..aku tgk jalan yg dia eksiden tu..
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tapi bila dah stat melancong ni akan jadi addict...pantang ada duit sikit jer mula la cek tambang murah... |
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melancong sbb ada tambang murah.. melancong luar negara cth mcm Indonesia lg murah banding melancong dlm negara sendiri.. melancong kat negara luar sbb kat negara sendiri xde apa sgt yak menarik terutamanya part budaya ngan alam semula jadi..
apapon melancong luar negara makanan dorang x sesedap kat Malaysia.. kalo melancong sbb pulau.. kat Terengganu ngan Semporna lagik cantik banding kat luar..
jgn berhutang utk melancong.. melancong utk rehatkan diri ngan minda..kalo balik melancong nk kena pk hutang hmm tak bermakna la pecutian kita tu.. menabung utk melancong baru la puas.. |
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dieya pun suka melancong...
suka tengok negara orang...
tp dieya kurang nak pergi negara2 pesat
dieya suka negara yg tak berapa maju dari segi pembangunan sbb
dieya suka menghayati dan mengalami sendiri perasaan dorg
dieya selalu solo backpacker
xde plan2
terasa nak pergi mna2, chck account utk travel
ada duit terus booking ticket flight
3 or 4 hari terus terbang
jalan ikut arah kaki
sebab dieya tak suka di kongkong oleh itinerary
yg penting confident dan kena ada sedikit keberanian utk berjalan sorg |
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nadieya posted on 10-9-2014 11:35 PM
dieya pun suka melancong...
suka tengok negara orang...
tp dieya kurang nak pergi negara2 pesat
So da ke mana awak sampai? Apa pengajaran atau penghayatan yg dpt awak kongsi?
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Inilah yg telah saya katakan pada 1 September yg lalu ketika saya buka benang baru ini.....
Dan ternyata apa yg saya perhatikan n jangkakan benar2 telah berlaku dan dilaporkan... Sila faham n baca...
KUALA LUMPUR, Sept 15 — As the cost of living continues to rise and salaries struggle to catch up, Malaysia’s middle class may be shrinking with some hanging on by a thread and others even falling off into poverty.
Although there has been a steady but painfully small incremental rise in household income in Malaysia, economists and academics say the term “middle class” does not have the same meaning it had more than 10 years ago. With salaries unable to match inflation, being middle class no longer means as comfortable a living as compared to 20 years ago. While disposable income or savings is a good indicator of how many people “live comfortably” or fall within the middle class category, both Bank Negara and the Statistics Department said they do not keep track of such data. Salaries and household income Out of almost 7.8 million working Malaysians, the median salary for 2012 and 2011 was stagnant at RM1,500. In 2010, it was slightly less at RM1,480.
The median household income was RM3,626. In comparison, median household income for the top 20 per cent is at RM9,796, the middle 40 per cent RM4,372 and the bottom 40 per cent is at RM1,852.
Over the weekend, Minister in the Prime Minister’s Department Datuk Seri Abdul Wahid Omar was quoted by state news agency Bernama as saying the preliminary report on the latest Household Income Survey showed the median stood at RM4,258, this year.
Who are the middle class? Institute for Democracy and Economic Affairs chief executive officer Wan Saiful Wan Jan said the middle class should consist of the middle 40 per cent with monthly incomes of at least RM3,000 all the way up to the top 20 per cent of incomes, which has a median of about RM9,800 for 2012. Based on the household income data for 2012, less than 51.8 per cent of Malaysian households belong in that category. But does a household income of RM3,000 a month really put a family of four among the middle class?
Universiti Sains Malaysia (USM) associate professor in economics Dr Lean Hooi Hooi said the middle class should be defined as individuals or households with RM4,000 to RM20,000 of disposable income every month.
“I think over the past five years, the inflation rate has been very high even though officially it was only at two to three per cent. We all feel the pain. “Just go to the hawkers… for noodles or rice, prices go up 10 per cent every year,” she said in a phone interview recently.
Sunway University Economics and Management Department head Dr Wong Koi Nyen, on the other hand, defined the middle class as semi-professionals and young professionals, based on their earning range per month of about RM5,000 and RM10,000 for families. According to figures from the Statistics Department, RM5,000 is actually more than three times the median salary, and the household income of RM10,000 is almost three times the median household income.
The 9.7 per cent of households in the highest income bracket of RM10,000 per month and above made up 31.5 per cent of overall household income recorded in the country. In comparison, 17.6 per cent of household incomes, earning between RM1,000 and RM1,999, contributed to only 5.4 per cent of total household income, even though they formed the single largest group.
For the semi-professionals and young professionals, Wong said their main source of income is solely from their salaries as most do not have assets. “Due to the lifestyle of KL, I don’t think they can make ends meet because the main bulk of their expenses go to car installments.
“I believe they have more than one credit card, which are liabilities, and if they have a family then they have to commit to their children’s education, health insurance and if they can afford, maybe an apartment,” he said.
He added that even earning within that range, they may be considered middle class but they will still struggle financially, with no savings at the end of the month. He pointed out that based on statistics from Bank Negara, household debt grew close to 13 per cent annually from 2003 to 2013 but Malaysians’ income only grew about five per cent on average.
“So you can see that the growth in income cannot catch up to the growth of household debt,” he said adding that the four main liabilities for most Malaysians are home loans, car loans, credit card debts and personal loans. Earning RM10,000 USM’s Lean said RM10,000 in an urban setting such as the Klang Valley and Penang would only provide a “standard living”, and not a luxurious one.
She said an example of a typical family with four children’s expenses include: -
House loan: RM3,000
Car loan: RM1,000
Four children: RM2,000 (RM500 each)
Utilities: RM500-RM1,000
Insurance: RM1,000
Transportation: RM1,000
Food: RM1,500-RM2,000
Total = RM10,000 to RM11,000
“Your RM10,000 is not enough to cover, definitely not entertainment, or even holidays in Malaysia.
“Gone are the days when anyone earning RM10,000 was considered rich,” she said. Middle class group in the past Dr Lim Teck Ghee, Centre for Policy Initiatives CEO, said rising incomes and relatively low cost of living enabled the middle class to grow in the past.
This is no longer the general rule with urban housing especially out of reach for many on lower incomes, he added.
Wong echoed the same sentiments and said the middle class group were much better off 10 years ago and beyond that.
Back then, most unmarried individuals stayed with their parents, saving on rent at a time when the cost of living was lower, he said.
“Due to the high cost of living, being middle class today doesn’t mean anything.
“It meant something 10 years ago, 20 years ago especially after the economy has been transformed from Third World to developing, we can tell because there were fewer people living in poverty in the 70s, 80s.
“But now it doesn’t mean anything,” he said. Keep up or risk falling into poverty Lim said the prospects of upward mobility “look dismal” for many in the middle class especially those self employed or in the informal sector.
“As the government’s record on both affordable housing and quality education has been abysmal and unlikely to improve, the middle class has to gear up for harder times ahead especially when the subsidies on essential goods, petrol, electricity and other items of everyday consumption are reduced or withdrawn,” he warned.
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aku dah abis belaja.. so time tuk travel.. sbb plan rest setahun.. then nak sambung lgk..
so tahun 2015..tahun aku berjalan beria..
buat OT macam sakai.. nak extra money.. |
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skymania posted on 16-9-2014 10:53 AM
aku tgh nak cabar diri.. travel alone.. so far aku baru balik dr langkawi.. lone ranger..
mcm ser ...
Fuh masa me travel alone ke Thaï dalam 16 tahun lalu,
My mom siap menangis lagi cam me nak pegi berperang.
Tapi me balik tanpa calar dari situ terus berkembang my sayap..
So good luck ok..
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nissangetz posted on 16-9-2014 08:06 PM
So da ke mana awak sampai? Apa pengajaran atau penghayatan yg dpt awak kongsi?
dieya dah pergi travel ada la beberapa tmpt jugak la..
kalau solo backpacker dah ke thailand, spore, india dan seluruh malaysia..
kalau dgn parent ada la tmpt2 lain
best tgk tmpt org...
mcm india boleh tgk kesusahan dorg kat sana
mcm mna struggle nak teruskan hidup
mcm mna dorg jalani kehidupan harian
etc
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nissangetz posted on 16-9-2014 08:46 PM
Inilah yg telah saya katakan pada 1 September yg lalu ketika saya buka benang baru ini.....
Dan ter ...
Alhamdulillah so far tak pernah berhutang kalau travel. Maksud saya menanggung beban hutang yg melampau sebab travel. Kita tau ukur baju di badan sendiri, jadi kalau nak travel tu sll nya mesti dah tau kemampuan diri sendiri. tiket book awal2 atau beli time promo, tak kira MAS atau AA, hotel booking seadanya ikut kemampuan, shopping pun tukar duit ikut kemampuan. So tak jadi isu berhutang sbb melancong.. Tapi aku selalu nampak/dengar atau tahu ada org yg berhutang sebab nak tukar handphone beribu riban, keta beribu riban sebulan, handbag LV gucci dan sanggup berhutang.
Sbb selalunya kalau seseorg tu kaki travel, dia tak kisah sgt dgn branded item ni, cukup sekadar kemampuan, duit dia byk spend utk travel (aku lah tu).
Tapi, saving dan investment, insurans, rumah kami mmg akan tetap ikut % yg disarankan, sbb kita tak tau apa akan jadi di kemudian hari..
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civicvtech2.0 posted on 18-9-2014 10:12 AM
Alhamdulillah so far tak pernah berhutang kalau travel. Maksud saya menanggung beban hutang yg mel ...
baguslah kalau rmai yg celik kewangan macam anda...
tetapi nampaknya majoriti bila part kewangan...hancuss
well done...keep it up |
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nissangetz posted on 18-9-2014 10:14 AM
baguslah kalau rmai yg celik kewangan macam anda...
tetapi nampaknya majoriti bila part kewangan. ...
yup, tapi rasanya mostly forummer kat cari bod travel ni finacial dorg well manage kan..
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civicvtech2.0 posted on 18-9-2014 10:20 AM
yup, tapi rasanya mostly forummer kat cari bod travel ni finacial dorg well manage kan..
jangan mudah terpedaya......
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nissangetz posted on 18-9-2014 10:14 AM
baguslah kalau rmai yg celik kewangan macam anda...
tetapi nampaknya majoriti bila part kewangan. ...
Aku takde hutang loan rumah kereta dsbnya. Semuanya selesai dibayar sebelum umur aku msk 40 tahn. I am basically debt free. Aku takde anak. Just me and my wife. Therefore, financial problem utk travelling Alhamdulillah tidak menjadi masalah bg kami. |
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Peterpan17 posted on 18-9-2014 10:25 AM
Aku takde hutang loan rumah kereta dsbnya. Semuanya selesai dibayar sebelum umur aku msk 40 tahn. ...
Syukur Alhamdullilah, perjalanan hidup anda mudah ttapi jgn terlalu bangga
kerana nasib kita tidak tahu bagaimana sudahnya...
ada yg cukup segalanya tetapi apabila ditimpa penyakit...segalanya juga hilang
sekelip mata...
jadi sebagai peringatan kita bersama...sentiasa bersyukur dan jngan bongkak
dan bangga diri |
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Peterpan17 posted on 18-9-2014 10:25 AM
Aku takde hutang loan rumah kereta dsbnya. Semuanya selesai dibayar sebelum umur aku msk 40 tahn. ...
syukur, rezeki murah. kami kalau travel wajib bawa anak2. so kena lah berhemah sikit berbelanja. part kereta dah selesai bayar kang buat hal, kena beli keta baru..nak travel jauh keta lama risau plak. rumah terpaksa lah juga, mmg tak mampu nak beli cash..
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Post time 5-9-2014 10:05 PM
Author
![[KUIZ PERUBATAN MINGGUAN VOL. 7]: Mudah aje, ilmu harian! VOL.7](https://uf.cari.com.my/forumx/mforum/block/ca/cafa22106bf87ee6a0ff6b0584fea8d8.jpg)
