Tuesday, 12 August 2008

UiTM -

I wasn’t aware UITM only meant for Bumiputra only. Frankly, I don’t see any reason why Chinese and Indian are not allowed to enter UiTM especially when limited to 10% only. At this age of modernization and toleration between ethnic, how could it be wrong.

I am not entirely with Malaysia for Malaysian concept especially on the stripping off Malay privilege part. Nevertheless, at certain aspect, the privilege does seem too much and a little flexibility wouldn’t hurt.

I do applaud to Tan Sri Khalid for his bravery on poking his finger into this ‘sensitive’ issue. I am also completely agree with the Datuk Seri Khaled criticism on the singular primary education system is more effective on racial harmony approach. In fact, I already voiced out my opinion on this on my previous ‘article’.

This issue however is not merely about racial harmony. Whilst our previous leadership see eye-to-eye on the importance of minimizing racial economic disparity, we now should embark on minimizing racial opportunity disparities.
Chinese and Indian have every right to enjoy at least a portion as oppose to none of our higher education opportunity. Malays on the other hand, have every right to earn a good job with good pays from Chinese and Indian company with lesser amount of double standard.

That is the truth about Malaysia system.

We know Malay proverb, ‘bertepuk sebelah tangan’ (clapping with one hand). It simply means just one side of table doing some action will not result to the desired outcome. On this Bumis versus non-Bumis, it is now in chicken and egg situation. Does Bumis waiting for non-Bumis opening up their tolerance and reducing double-standard perception or vice-versa. The truth of the matter is both side are surrounded with fear and insecurity of losing.

Monday, 11 August 2008

Corridors development – Are we serious about this?

Whilst WAWASAN 2020 stressing on balance of economic power with cultural preservation, Corridors development focusing on development alone.

Looking at the project criteria, Iskandar Corridor namely, I simply can’t compute the actual benefit of this massive development plan to the local resident and Malaysian.

Understandably, three main government obligations to the public are job opportunity (unemployment prevention), eradicate poverty and provide infrastructure.

Ever since privatization era, our government seems passing all the development cost to the public. The public partially fund the project, a body raised the total financial obligations and the public is forced to be the customer with little or no option to alternative.

Iskandar (or AAB lead government) has taken this step even further. Based on my understanding, this project is self-finance project whereby the ‘sponsor’ or ‘investor’ is not limited to locals or with local partnership but done in more open opportunity to foreign power. The benefits through tax exemption, red tape cutting, expatriation and foreign residency is massive. Without our political turmoil, if I am a foreigner with money to spend, I will not have to evaluate much deeper but to participate in this development.

Back to the three government obligations to the public, yes, this project will benefit Malaysian and local resident on jobs, rising living standards and maybe profited by the infrastructures.

It is not the benefit that I am worried about, but the consequences.

Improved local living standard will be subdued by escalating local inflation with flooded ex-pats that are in spending spree when they are here. Look at Bangsar, Kota Damansara and other semi-flooded ex-pat areas and how much is the cost of foods and goods there.
>Social destruction. Massive count of wealthy foreign man looking for entertainments.
>Lost of land ownership by the locals
>Cheaper foreigners will conquer Job opportunity for lower income segment.
>Double standard on salary pays for middle-income group. Ex-pat will be paid lavishly as always and the balance from the human resource spending budget to be segregated amongst the local employee.
>Local will dismissed themselves from the area due to high cost of living.
>This development will eventually burdened the locals and the area will be capitalized by foreign residence.

On immediate effect the cost of land ownership had increased tremendously throughout Malaysia. As the corridor covers north, south, middle, east and west, there are no escaping from this perpetuate property inflation. Coupled with food supply crisis and rising of rubber and palm oil commodities, the escalation is inescapable. On this aspect, I am particularly disappointed for the chances of people like me to own a piece of land for project or future investment is made impossible.

Looking from a broader aspect, I can’t find a valid reason why our government is very keen on type of development. First of all, the total cost run up to billions ringgit and we have no resource to fund such scale, thus foreign investor is needed. Secondly, we are quite healthy on country revenue growth, why can’t we stick to our finance capability and execute any project with full benefit potential to Malaysian rather than outsiders? Most importantly, where is our so-called wealth disappearing until we are depending so much on foreigners? And why do we want to go to high-risk development plan with uncertainties of world economy performance.

Recap to our economy blooms:
>Light crude oil revenue has quadruple since 5 years ago.
>Fuel subsidy mostly removed creating more revenues to government. More revenue fuel user.
>Oil palm and rubber export revenue has at least tripled. Thousands of poverty bracket group has been removed.
>All agriculture products price has inflated. More poverty bracket group has been eliminated.
>Almost all the new infrastructure is paid by ‘private’ and public is forced to contribute lavishly on usage of the infrastructure and services.
>Vehicle excise duty and sales tax still high.

Come to think of it, I can’t extract of where our nation revenue being utilized?
>Education – we are out-ranked by our neighbouring country.
>Medical – my company have been paying for my medical bills.
>Security – we are far from 1:250 policemen: public ratio. A lot of suburb areas does not even have police/ mini police station. I wonder why crime statistic is high?
>Defence – what do we have? More money been spent on Nuri maintenance and compensation to Nuri’s unfortunate crashed patriots.
>Controlling media?
>‘Dividend’ to MPs, EXCO, etc?
>FRU?
>Tourism campaign?Cleanliness and health? Look at our river quality.

Wednesday, 6 August 2008

Hire Purchase - should we surrender our car to the bank?

I bought a new car 3.5 years ago and now I am stuck with it. The car acceptable values the market worth about 20k but I have 25k on my outstanding hire purchase balance. During the acquisition, I paid 3.9k for the down payment.

I need a bigger car. I want to sell this car but I still have to pay extra 5k to the bank for the full settlement and down payment to the new car. Plus 6k for the new car down payment, I am exposed to 11k financial catastrophe to make it better for my family.

Part of the reason is the second-hand car value is crashing down. Ever-changing NAP does not help. 9 years loan still resulting me to pay quite excessively but the effect on principal knock down is far under the car depreciation.

3 financial institutions made a press statement for their intent to reduce our burden by extending the hire purchase term. As a result, our monthly instalment would be reduced but we would be further sink with the car to the grave. If this is the ideal car for my family, I would be very happy. I am sure a lot of people are in the same shoe as me, we can’t straight away buy a big car, and instead we have to climb the ladder. Now the ladder is broken.

The bank also stating that they are re-posses as much of 2500 cars a month. This equate to losses. The car re-sale value is low, lots of it in poor condition and there are costs of re-possession of hiring the bouncer to take away the key. This also represent 2500 potential customer being black listed. Minus figures for their liking. Not to mention the cost of storage and tender out the cars.

In the newspaper it was also stated that we could surrender our car back to the financial institution. After all, that would be what Hire Purchase mean to me. Whether our name will be blacklisted too by surrendering the car, I am not quite sure. Nevertheless, that is the solution that I am seriously considering at the moment.

Extending the term is not a solution for me. As I said, I need a bigger car.

I am more acceptable to interest reduction or elimination. The bank would have choice to reduce the instalment based on the reduced/-eliminated interest or giving us a fair chance to cope up with the depreciation.

A wise thing to do is to have the bank to make a better offer to us as I mention above. First, each of us need to do some survey of how much cash would you get by selling off the car. First, contact the bank to ask for outstanding amount, then go to a few second-hand car dealer to see how much they would take the car for and go to free advertisement column in newspaper or website to see the perceived market values. It might be worth to call a few of the private advertiser to see whether they manage to sell their car at reasonable timeframe, or that would their hope price for the car only.

Should the cash come out negative, I would like to call for unity on this activity. We need to start calling the bank again and state our intent to surrender the car, say in October after raya. By having high statistic, they have to re-evaluate their offers and bound to meet to our proposal. As we know, the car value is less and re-possession would create losses to them. What we are asking is for them to cut our losses and make less money on us without actually making losses on their end. Fair.

Actual surrendering the car in mass would create a big loss gap in the financial institution. For our economy sake, I wouldn’t want that to happen. But they must be conscious about our issues too. Therefore, a compromise is needed. We are thinking of them and they have to think of us. Should they ignore us, and then it will leave us little choice on mass surrendering the car despite the negative effect of their cash flow.

It is my family that I want to feed first, not our government, economy and bank.

Tuesday, 5 August 2008

Chinese holding the key for new government formation

PKR de-facto leader is about to make a re-entry to parliament. Chances of him losing the seat on the re-election are very slim.

BN have nothing to offer to the voters. Since the election, BN had failed to show or even focus to develop this country. All that public saw were Penang were punished by denial of the 4 billions worth project, Kedah with the lodging funds issue, Terengganu never ending royalty disappearance issue, Sabah no-confident votes awarded with multi-billions funding, Najib scandal and recently resurfaced MRR2 link.

As a conscious public, we have every reason to deny BN popularity and commitment. All we need is somebody else that would have greater offer to the public, not a threat.

PKR coalition were success simply because public does not want to vote for BN. Last election featuring Chinese and Indian voting for PAS and Malay voting for DAP. Without BN as the not to vote party, this would never happen, at least not to the scale.

PKR on the other hand were also filled with imperfection and far from purities. From nomination of DSAI brother opposing the no-crony concept, personal tender recommendation, RM100 millions pig farm and DSAI scandals clouded PKR integrity. Most concern is the significance of PAS-DAP coalition that seems out of the picture. Furthermore, ‘muqabalah’ and possible ‘muzakkarah’ with UMNO stir up PKR strength and DAP especially got very nervous.

The outcome of the re-election to me is inevitable. Regardless of PKR ‘issues’, UMNO issues and not moving forward attitude outweighed PKR issues by miles. BN know this and so is PKR. DSAI will be in Parliament (unless if the Sodomi case successfully fabricated). Winning is not even an option for BN as that will trigger more anger and question of government integrity on the election process. What UMNO would aim is merely reducing the majority count so that they could use that in their future campaign.

Back to the Chinese that hold the key, I truly belief the success of this new intended government is on the Chinese shoulder. Malay had shown their sincerity and willingness to compromise their biggest asset of bumiputra status and benefit, PAS had ease up on their Islamic country approach, and that left is the Chinese.

Precisely, I think it would mean a lot to Malay if Chinese (DAP) can do the following:
Oppose RM 100 million pig farm
Drop ‘fluent Mandarin speaking’ in their job requirement
Promote Halal food
Do not double standard Malays in job segregation and remuneration package
Stop viewing Malay as lazy and less intelligence

Where do I stand? I do not favour BN under Pak Lah. I think he is full of sh*t and care very little about the public. Malaysia made more money than ever and he is going to waste that money on the over-ambitious Corridor project, project that benefits outsiders much more than locals. I prefer Tun Dr. M above other leader or current future leader candidates, for his accurate vision (development, not people) and firm execution. Yes, he is not perfect but I think he scores between 8 to 9 out of 10, which is good enough for me. I can’t be fanatic about PKR for the reason previously described. I like PKR numbers in the parliament but WALKOUT for not agree with something is just too childish and that have to stop immediately. You can’t be a part of a decision if you are not in the decision making room.

May god bless our country and all Malaysian. For a country rich with natural resources, blessed with highly values crops and public that are willingly be ripped-off on ensuring highly profitable GLC, we just need a true and honest leader. Who can it be?

Wednesday, 30 July 2008

What is world perception toward Malaysian

Do we really think that the world is looking highly upon us? Do we think that we are a respectful nation? Do we think that anybody is looking up upon us?
1. Great Britain is imposing 6-month observation on our nation and thinking about mandatory entry visa for any kind of entry to UK. Our country is vision as the third world country and associated with forgery, overstay, etc.
2. A Malaysian student in Melbourne, Australia was beaten senseless a few days ago for unknown reason.
3. European Nation is thinking of banning our marine product forcing us to voluntary suspend our marine export that worth a few billions to our revenue.
4. United States is observing our juristic system and our enforcement on human right on recent Anuar sodomy allergation.
5. Singapore is putting up 12 miles nautica claim of water area around Pulau Batu Puteh without further consultation with Malaysia.
6. International Court awarded PBP to Singapore disregarding our rightful ownership of the piece of rock.
7. Korean and Chinese is dumping their cars in Malaysia at rock bottom price to acquire market share and weaken our local automotive industry.
8. We are the end-user of low class pharmaceutical product and still among the highest medicine dependant user in the world.
9. Our car is hardly recognized anywhere and not even at UK area where Proton own Lotus and sustaining Lotus existence in the market.
10. Amongst the wanted in the world for DVD piracy is a Malaysian.
11. We gave no threat in the world of sports. Name any sport and that is not a single nation in the world have worries about losing to us. Yes, there is Nicole, our only world top rank, but she was not Malaysian produced athlete, she work for it herself.
12. We are no strangers on drug transportation business. We possess good count of man and woman nabbed at the foreign airport for carrying drugs.
When you walk around and you see a tourist pass you by. What do you think is these peoples thought of you? What was their expectation to visit our country? Should you entertain them and show our hospitality? Should we prove them wrong or they just have to correct it themselves? Should you give them the racist eyes, the same look that they are giving you when you are in their country?
Maybe we should beat them senseless like they did to our student in Melbourne. Maybe we should give them enough drugs and call police to nab them instead. Give them enough to be convicted to our feared death penalty.
Not even Singaporean that share our ethnic and blood give us the proper respect. From no chewing gum and legal prostitution country, often flashing their headlight telling us to get out of their speeding way. Rubbish disposed from car window. Talking with tone like they are better.
How about Nepalese, Indonesian, Bangla and all these foreign that take our job and accept low pay in our industrialization and development? What about the desperate foreign woman that shaken a lot of local family stability and marriage? What about the man that now openly courting our woman and even possess threat to our woman’s safety? What about these white people, Japanese, Germans, French, etc that keep stealing our better rank position in company?
Perhaps, what we should do now is to be racist more than we ever been before, more than now. Perhaps by being racist and hate all the outsiders living in Malaysia, whether they are cheap labour or highly paid ex-pat, then we could be united and forget about this political racism among us three ethnic group.

Sunday, 27 July 2008

Proton needs to produce own gearbox

NAP almost synonym with Proton from public view. Proton is still viewed as overly priced car with little quality values. New Proton management had taken drastic approach on regaining public confidence on the brand and significant improvement had been achieved, but not quite enough.
I personally can’t disagree with the public opinion. After all, I am the end user who have to put up with the long term loan, live with all kind of abnormal component noises and have little option to move up to a foreign brand.

Have Proton done enough to ensure their continuous existence and benefit the public with good and reasonably priced car?

If you read my previous article, I did mention about the ‘locality’ of the material and technology of making a car. Our automotive need to be architecture to meet those entire requirements to ensure our global competitiveness. Then our government need to ease up on the tax to ensure affordability.
Looking at the customer perspective, most of Proton buyer with Proton own Campro engine has major issues with the engine performance. Unfortunately, CAMRPO is the only engine that Proton own. How about the transmission? We do not manufacture our own transmission. Putting this into global competitiveness aspect, we will not stand a chance to have to outsource one of the major vehicle components.
As an immediate step, I would strongly suggest Proton to look onto second-generation engine and manufacture own transmission. Along the way, a new breed of suppliers need to be nurtured on producing high precision machining and forging as part of essential ingredient for engine and transmission.
Government can’t hide Proton under NAP forever. The public are not to shoulder Proton forever. It has to end and soon.
To prepare for the inevitable future, measures need to be taken on reducing the loan term. This 9 years loan is not healthy for automotive industry. Gradually, the loan term ceiling needs to be reduced. Second-hand market is hurting and new car buyer is further constricted.
To have Malaysia to be the automotive centre of this region is too late and not worth to fight for. Thailand is well too established with that. Thailand offers consistent local labour, higher range of technology availability, cooler climate, more food and better entertainment. Malaysia on the other hand offers unpredictable policy, prepaid quality recognition, high transportation cost, political intervention, self-interest and ever-changing foreign labour.

Tuesday, 22 July 2008

Do we really need 100 mil pig farm?

Malaysia is populated by 67% Malays which are Muslim by default. Chinese accumulated about 73% of the remaining population.

At the age of modernization, socio economy contribution by these two races is very significant.

Per capita, Chinese probably out perform the Malays by miles. Chinese also played a major role on this country economy growth.

Pig is considered very dirty in Muslim perspective. It was told to me that pig was originated on the Noah ship sent from god, born by elephant with purpose no other than to clean the waste on the Noah ship. This ship hold a pair of all animals and you could imagine the waste produced by this animal and human on board.

I also read that pork meat contained a type of worm that has long-term effect on human health.
Pig was also blamed for JE spread years ago. But it was only pig associated with diseases; there are also threat of bird-flu from chicken and mad cow disease.

There are many negative ideas when it comes to pork consuming. Bottom line is that Muslim can’t accept pig in any form of anything that has to do with pig because pigs are ‘najis’. Pig scent itself already offended Muslim/ Malays. To have Malays to drink water filtered from a river that have pig farm on the other end would disgust the society. We can’t even compensate Malays with royalty such oil royalty on the profit sharing because it will be deemed ‘haram’.

Therefore, Malay can’t accept pig, as much as Chinese love to consume them.
How do we move forward with this issue? How do we apply what we are fighting for, democracy and equality? Is there a toleration point that would benefit us all?

Being a bumi, I felt the heat from these equality ideas. Being an educated man, I felt the unjust. Honestly, I do think somewhere of this unjust, there are strong reason for it to be carry on. The line might have to be shifted in term of pro-Malay segregation, nevertheless it can’t be totally eliminated.

To get Malay buy in require toleration by the non-bumis at some extend. Live your life like ours would make you more ‘us’. Continue separating our way of life would extent the racial differentiation among us.

On this particular issue, I believe disregarding our ethnic, all of us consume similar poultry product except pork. Imagine a country that one has not to worry about halal/haram as all the poultry sources in Malaysia would be halal. Chinese and Indian have never had any problem dining in a Malay restaurant or go to Malay wet market, but Malay just have to go to the halal source. Chinese consumer base is more restricted compare to Malay.

Can we live without pig product in Malaysia? Can we ensure all the poultry product halal in Malaysia? Can we be more Malaysian (Malay as majority)?

As long that we eat at different restaurant, shop at different market, study at different school and living in different areas, we can’t ever be as one. We are different in skin colour, eyes, hair and religion, but that can be the only separation that we have. You see, big sacrifice required from non-Bumis in term of way of life, almost as big as what Bumis is asked to sacrifice