Seluruh cintamu (All your love)

Seluruh cintamu mengusik kalbu
Tak terungkap kata manis serimu
Menghembus bait seindah lagu*
Mersik suara tiada seteru.

Kugenggam azimatmu tidak terperi
Gugusan kasihmu tiada ganti
Mencabar segala sanubari
Mengapakah dikau tetap di hati.

Kekasih hati sungguh menenteram
Udara sepoi dihirup di pinggir jeram
Kau kukasihi bak benih yang ditanam
Seperti kehidupan
ada yang putih dan hitam.

Berserilah pawana mistik kita
Tiada bersanggah dunia kita
Lembut bicara berbudi kita
Tiada yang dapat menandingi kita.

*Pencipta lagu hanya akan mencipta lagu dan hanya akan memberikan lagu itu kepada penyanyi yang diminati olehnya dan boleh menyanyikan lagunya walaupun lagu itu dinyanyikan untuk  pencipta lagu itu seorang sahaja, sebegitu romantik.

Ka Hona Pyar'Hey* (Bisakah orang yang dibenci disayangi)

Titik irama gemala sakti
Membingkis seri di laman sepi
Bak teratai kembang bersemadi
Di tasik madu ia kemudi

Isi sedikit; nak diisi melangit
Suasana hening gemersik membangkit
Tiada meminta tiada membingit
Sedar diri bak taraf diulit. 


*Obsession to repeating the same song.

Example 1: When you are obsessed to purchase branded bags and purses and you never fill in the bags with money. When you are talking about their bags, they will ask journalists to tell people that the money does not go into the bags. 

Example 2: When you are obsessed to purchase motor vehicles without knowing the formulae on how to make money. In accounting, a car is an asset that is used to generate income. The formulae is that, the faster the tyres running, the faster the money is being made. 90% of salesmen only want them to slowdown a bit. Ironically speaking, they need to see how fast the money is coming in. 

Homework for hackers (The most touching stanza)

Merisik khabar haruman seni
Manis gula bertutur asli
Tiada diduga tiada sangsi
Terkesima suara meratap sepi

Andai permata dianggap palsu
Mengapa emas disulam belacu
Seperti rumah dipasak tak berpaku
Kukuh berdiri seolah-olah kaku

Orang memberi kita merasa
Orang berbudi kita berbahasa
Jalinan di jiwa tiada terhingga
Apakah ini jawapan pujangga

{****************************
 ****************************
 ****************************
 ****************************}

* Last stanza is the most touching.
When you know hackers are looking for the last stanza. And you know they will never find it.

Puisi Tidak Bertajuk (an obliviate poem)*

Rambut mengurai disanggul gulung
Mencari hiasan tiada penghujung
Ke sana ke mari lara diusung
Menggenggam harapan sungguh menggunung.

Tiada rahsia di dalam rahsia
Biarlah ia menanti duka
Gemersik suara tiada terhingga
Bagai didagang tiada berharga.

Sungguh tinggi nilai dikendong
Tiada tepak sirih dikantung
Tinggi bahasa bagai disadung
Kain berhelai hibanya tak tertanggung. 

*Example: When you are given a present such as an iPhone 7 new and original, and the phone suddenly being hijacked by someone who says that that phone is not meant for you and you are not qualified to use the phone and if you are using it, you will be forced by hook or by crook to sell it off. And you end up using outdated phone like in early year 2000 and you feel incredibly stressed out. 

"Senyuman itu janganlah berhenti sehingga terhentinya masa." 

Sad Chair

We have encountered several astonishment incidents before. Nothing is more saddening than to have an invitation revoked for that invitee when he is not allowed to attend the ceremony or gathering already planned. The ceremony is not the end for them to have a meeting to say goodbye or something but it is more on the inclusiveness of the invitee to the function itself. Newspapers always have good journalists to write down news like that, but the language flow does not fit in with the chair in which the person is supposed to be sitting.  

And nobody cares whether the chair is so nicely decorated or painted with striking colours (colors) or embedded with fresh flowers; the perspective of which deems the whole landscape of the painting. Good artists always sketch the best moments. Unfortunately, that particular chair is not there for anybody to sit. So what is so sad about it?

I give you a scenario where nothing is about to be taken as slander or to tarnish anybody's reputation or whatever, it is just a scenario to depict how sad the chair is. In Parliaments the chairs are so much valuable when the voters in majority choose their particular representatives to sit theron. And this sad chair is not like uncontested chair or slim majority won chair or clean sweep of majority to that effect. Perhaps one person can understand this very much.

I read an article about one person who was not comfortable to share his story to even his closest friends. He wrote things he wanted to write and only the person who understood him shall depict the gists of his story. He gave me permission to read it, and I didn't seem to take it as I understood him, but he seemed to be so much connected to the chair. Perhaps, nowadays people do not read much except for journalists or people who are taking examinations. Even people in the Banks do not read much except on matters pertaining to their survival, indeed. 

The summary of the story is like this:

A man has been invited to a wedding ceremony. His close friends were asking him to accompany them by word of mouth to that wedding. Obviously the wedding ceremony must have a few weeks' invitation period for people to attend. However, the man just followed his friends without asking who was actually the bride and bridegroom. It was just a son or daughter to one of his friend's friends.

The day came for the ceremony, and off they went. Upon entering the extravagant wedding hall, the man was so shocked to see that it was his daughter who was the bride sitting on the dais. Of course, all invited guests were allocated special seats in different tables to connote their status. That man whose daughter was on the dais failed to see his chair. All other chairs were not meant to be called chairs in his eyes now. How could he disguise what was in his eyes. 

Tears fell down like rain. The man never cried in his entire life before. He cried because he was now a guest in his own daughter's wedding. He could not take a sit or even sit in. He just could not faint just like that. He was momentarily disconnected with all chairs in his surrounding. It was supposed to be a nice day celebrating wedding party, was it not? But not to that poor man. He was so rich in the eye of society. How he became so poor, then? 

***

When you are invited to attend a function, a chair is reserved for you. Suddenly, you are disregarded as invitee to that event. To calm yourself, you will just sit down in your favourite chair. That is your own chair. The chair that will never make you cry. 

Thank you for your time, indeed.

TO KISS A BANK NOTE

There are people who kiss the money they receive in order to gain confidence in themselves. They are pleased to inculcate the stigma of holding money is to possess money with nice smell. Many people are unhappy now with the value of money they hold in hand due to inflationary effects and fluctuating foreign currency exchange we are facing today.

            The financial inclusion as prescribed by the Central Bank has to a certain extent diminished the value of money in terms of propensity to save by most people. Either to save in the banking cycles or to save in their pockets would also mean the money value has depreciated faster than the smell of their physical money.

So many people are so badly indebted and breadwinners sometimes never have a chance to hold money from the day they receive their income since they need to repay and also pay a lot of other debts and commitments as households need and Maslow needs dictate their income to be apportioned as such.

Banking transactions have got auto-debit facilities and the more the deductions, the more stressful the people will become. Banking behavioural factors such as financial inclusion has added to more stress level to the households who are drawing salaries based on commission and non-fixed income. To add salt to injury, there are people who are asking for more money outside their employments.

The insufficiency surmounted by the hikes of expenses and prices are not making any good for their income now. Instead, they are asked to be thankful for having jobs and income for maintaining themselves and their households.

 Nobody makes a fuss when their income is so deficient. When they write to their immediate employers insinuating a raise, the feedback is always futile. They are often asked to do second or third job outside their employments to gain more money and nobody cares if they are being adjudicated bankrupt.

The bankers are so happy to see people are declared bankrupts because they are no longer answerable to their fussy shareholders who always connect themselves with all financial products surrounding them indefinitely. This is not to mention bill collectors who are making money out of the collections they have made.

Like a rose, the flower smells nicer when it blossoms. Many Japanese people do not like real flowers to be brought in as a gift to the sick people in hospital beds. In many other continents, roses and other bouquets of flowers are welcomed and the suitor will be some fruits namely apple, grape, orange and banana. Papaya and durian are seldom brought in due to their perishable nature and smell which are prone to be rejected upon entering the hospital entrance.

When visitors are giving money to the patients in hospitals we normally see bank notes are changing hands because the patients cannot hold much money due to the fact that they are bed-ridden. And normally the smell of the money doesn’t flourish much in such a place due to fact that insurance policies are covering all the expenses and it is not advisable to have lots of cash by the bedside since nobody cares about security of money in hospitals more than security of money in the Banks, comparatively.

The roses for example will be dried soon. And dried roses can always make a potpourri smell nice. Lovely Lace has got a bunch of nice aromatherapy scents which suit the dried roses. In offices and homes, aromatherapy is good to calm the place and conducive places as such can make study and meditation as smooth as ever.

International scents must be differentiated with local scents because nobody ever made a thesis yet on how people behave differently in different scents’ situations. We are advised to keep quiet to that effect. The best scent that money can buy is relatively subjective, is it not?

How much is enough for people to have money is a joke to employers in many countries. 9/10 of employers would prefer to pay lower salaries to support their staffing needs. You can always find reasons behind why big companies are employing foreign workers and exposing local talents to redundancies.

Opportunity cost of not employing foreign workers is greater should the companies stick to directives by the Governments to restrict the employment of foreigners. Governments will always need to tax to fuel their agenda, indeed. Are we getting the point here?

The more the money is being held by foreigners who are already in our country or overseas, the more the money will be attracted to another smell and microscopic bacteria claimed by certain quarters. Conversely, the demand for money is actually increasing together with the bacterial effects as found in the bank notes. Human palms have got skin microfilms that can have certain effect when exposed to physical bank notes.

Nobody ever trails comprehensively the money notes flowing from one person to another in a span of time where the money is being held by whom and given to whom is a phrase that will be as insane as walking without shoes when you enter a Central Bank, apparently.

In the 80s, women in America were said to keep their money safe in their pockets and banks. The advent of ATMs (Automated Teller Machines) [Not ATM Machines: in many Universities, all students fail to use the correct terminology and abbreviation]. As can be depicted from a famous comedy series during that time, there was an occasion whereby a lady (be careful when you use the word woman) was withdrawing a sum of money from the ATM. She then put her money inside her pocket found between her breasts. Suddenly one of the actors in the movie laughed to that lady and said to her that that pocket is a place safer to save money than the ATM itself. 

If you are allergic to touching a bank note, it is better to follow banking inclusion prescription, by using e-money transactions. Some people have the habit to kiss and smell the money immediately after receiving bank notes in their hands. They never worried about all the germs and bacterial effects and smells therefrom. So nice a smell sometimes. But majority of people are too allergic when they can’t get hold of money, in its physical form.

Have you ever noticed that a banker is a man who loans you an umbrella when the weather is fair, and takes it away when it rains? People who have experienced the above situation will never have a good perception about bankers to such an extent that all money coming from the banks is said to be not to smell as blossoming roses or dried roses. 

It is not their duty to respect the Bank and people would never put a trust upon the bank any longer. The sad thing is that, the Banks are seen as their enemies who must be destroyed entirely due to their behavioural factors and egoistic nature.

People have got money, and sometimes they do not have money in their savings or hands. So are banks and bankers. The flow of money is said to be so sacred in its sense that most people are not making favourable decisions whether to invest or not to invest. 

People who are conservative about money, will never be forced to invest in money markets not to mention in stock markets. Today we can see that money has got a different definition of its own when some bankers and even investment banks are so ingrained in their pursuit of making share prices margins their top priorities.

It must be noted that a share value has its own limit to fall and to rise. Capital gains would never be materialized should the Company in question does not have viable projects which can gain good results. Those good results must be translated by the fundamentals of the Companies. 

The pressures to obtain viable projects by most Companies are the competition and merger and acquisition processes which are cumbersome and futile at most of the times. Example is the merger of a few banks locally, which have an effect of brain-draining our local and international talents in which case, the banks would never be merged due to the smell of money as stated above, ostensibly.

To say that a banker is such an ego person, is like to ask your banker to relax on your motor vehicle HP re-payment, the answer of which shall never be good to you even though you have given higher commission to the bankers before, when you first purchased your high-end-top-of-the-range-car-model. 

So cynical it is, as to show that an umbrella is much more valuable than the roof of your banker’s office. Worst still, the banker never recognized the commission he/ she received for the financial years previously quoted as being audited.

Everybody loves money. There are people who always question the need of a Prime Minister to have 2 portfolios of having to become Finance Minister concurrently. Perhaps the smell of money is much better and the fragrance is so unique when the money is with them. For the opposition on the other side, sometimes they have got access to more money than the other side has.

 Nobody cares to smell the money because people are so suffocated with all kinds of indebtedness derived from the market inefficiencies and theory of money relativity which have made the balance sheets of most of us, not to be so tally as it should be.

Therefore, we need to enhance greater understanding of the use of money and we should ask ourselves why money is just a means not an end in itself.

Do you really want to smell bank notes? Well, well, well………

Do you really have a job?

What an awkward situation when people do not understand the very nature of your business entity and always ask you to go and find work outside and get salaries to earn a living. They want to avenge grudge against you and make you feel uneasy of not being associated with them. 

Whenever leaders are meeting their supporters in any rally or speech, they really need to look at how they are perceived by their supporters. And this is extremely a fallacy of argument when say you ask your Prime Minister to write a thesis statement in order for him/ her to be elected and voted in the next General Election.

In certain countries which have got population of more than a billion perhaps, by asking your leader to write for you is said to be rude in layman's term. But in reality, some of the leaders cannot write for themselves and it is advisable not to ask them to write. 

The thesis statement is as follows: -

Government, if it is clever to trade and manage international businesses well, would not put a heavy burden to its (her) people with all sorts of taxation and inflations.

Perhaps, people would ask the Prime Minister of many countries, do they really have a job?

Free internet for all

Competition among mobile operators has made the internet fees less expensive than before year 2015. Needless to say, some of the users always run out of data plans since they have exceeded the quota allocated or perhaps they do not have sufficient credit balance. It will be much easier if the internet is free for all as a matter of necessity, and at this age to have an uninterrupted basic internet network is inevitable. The operators may have set a different usage of data plans without compromising the basic internet mobile data.

Internet should be free for all. A developed country must have first class ICT infrastructure and this includes access to uninterrupted internet services. The operators may be able to control the usage at any interval as needed (Just-in Time) by their clients and this extra service can become a competitive edge for them since clients need customer care service at all times. The underlying issue is that some basic internet data is blocked entirely when the users exceeded their quota without realising that they need data plans without any obstruction.

The reasons behind the need to champion internet free skies are twofold. First, money can be saved due to exorbitant internet data charges by many telco providers. The extra money saved can be a huge factor for clients to switch to free wifi and internet data plans which shall make the books of the telcos themselves become red. Whenever clients’ internet access are barred due to exceeding limit, their phone applications or devices become idle and some data have gone missing (worst, irretrievable). Consistency of data privacy and security is at stake.

Second reason is that besides security and privacy of data, many telcos or internet service providers are charging contract rates which are beyond the affordability of their clients whereby their purchasing power is not determined by how much they can afford to pay for the internet charges, but by how they are supposed to be paying either by way of pre-payments or post-payments. And this will not be uninterrupted since telcos need uninterrupted cash inflows for their survival. These hidden negotiations aggrieved by their clients are not taken into account when telcos are doing their own ways to recouping outstanding debts owed by their clients.

Frustrated as it may seem to be, clients are always at the losing end since their data and privacy shall not become an integrity concern, but rather as a commodity which may be transpired through the invention of data transparency system cynically termed as C-tos. And the myths behind the above invisible non-affordability alert system for non-payment; is such a nuisance should their clients are doing business which are prone to be trailed by those telcos and their counterparts. Nobody can see the trade-off here as favourable not even in an abstract of its own.

Extraction of information for education purposes would require full internet service and most local libraries provide free internet services. Outside the libraries, users can always access to mobile data through their handheld devices, but the restriction is to the internet data plan which is interrupted upon expiry of the subscription or when they have exceeded their quota. The above justifies how important it is that internet should be free in view of the acquisition of knowledge and education per se.

Online businesses must be supported by full and uninterrupted internet service. It must be noted that everyone can become a businessperson in this millennium by selling and buying products/ services online without knowing they are actually transacting a sale or purchase. Malaysians are encouraging their people to do businesses apart from their full-time job as businesspeople in their offices. A cynical viewpoint is that many of the people in the offices are doing businesses by word of mouth which are not online in its entirety, but faster than online business in its diversity. Examples are in foreign exchange transactions, some of them are selling cakes and cookies to their peers, and surprisingly some more people have become insurance agents asking others (individuals and corporations) to become their clients, otherwise they would be sidelined by their “internet mobility [or mobile CNN] factor”*.

Online banking for instance must have uninterrupted internet service to affirm the above.

Family and friends are online communicators for whatever reasons they might be. Their existence is the fabric of all the need for human interaction and affection. Free calls and SMS charges are exclusive rights for all the clients for telcos; nonetheless, competition is indeed a pressure for all, in view of the supply and demands for all business ventures.

It is surprising to note that not just corporations and governments are doing their research and development programmes online, individuals are also now learners who develop their own R&D analyses and theses in upgrading personal growth and invention, entrepreneurial and business, marketing and they are writing high quality précis hitherto, for their fans and readers such as found in their blogs and personal websites.

People have not frequented libraries as often ever since the advent of e-library in the net. Easy retrieval of information for their references and quotations in studies and businesses have transformed the way they communicate among themselves, in pursuit of saving time and to look just good in their appearances and articulation. Have you ever wondered an erudite person is the product of learners of internet libraries? Well, many learners or businesspeople would only cut and paste data and information provided by the internet for their convenience. So free internet is such a demand that is so putrid in its sense when the above is dissected.

People may create their own profiles online. Jobseekers would gauge their level of employability spectrum, when their network is expanded through research by their future (and shockingly current) employers. If people have got great inventions or IDEAS, nobody knows exactly what’s in store for leveraging the ‘utilisation’ of prominent investors’ funds or finding business partners to be. Just be careful with online tricks and online businesses which are prone to hacking and industrial espionage.

*

“internet mobility [or mobile CNN] factor” implies the grapevines mobility which exist in the office politics and social media which is faster than the internet speed itself. (Definition is entirely mine.) 

P/S: I tried to download a few pictures but non-compatibility of OS and also acceptance by other devices therefor, limited the downloading. Not nice to ask people to give you presents all the time, right? Thank you for your support. 

La Usurpadora (Malaysian Turbulence Facial Expression)

Cinetrons are synonymous with people who watch TV daily. The channels are subscribed to be in sync with the demand of viewers who really fond of the dramas and movies they are following to such an extent that immediate re-scheduling of timetables and rosters is necessary to adjust their viewing time.

Some people can even become parrots who can regurgitate dialogues as found in the series and nobody can explain better than the people who watch the dramas sometimes. Not even the drama can actually give clearer picture of what really happens if not because of the narrators who are the viewers eloquently expressing their lines as if they are the actors/ actresses in the cinetrons.

La Usurpadora is indeed a very lengthy drama, but one person in particular can summarise it in an intellectual incarnation of the plots. The sense that the drama is filled with beauty and nature indefinitely captures the moments of breathtaking events which the plots prescribe.

Surprisingly, the nature of the drama is depicted in an Amazon atmosphere whereby the country is so rich and full of beauty pageants and hunks. 

Off TV drama events happened when viewers are impersonating the actresses/ actors therein, to give way to so much another drama outside the TV channels. This will even surprise those who only take photos with beauty pageants, impliedly. 

There are characters in this particular drama where people cannot blatantly claim that those are of their own personalities. We can see occasions whereby riots and chaos would spark immediately when the character of one actor is given to viewers outside the TV series. For example, Pedro is a driver in the drama. To some viewers, it is ok if you are a driver as your profession. 

Unexpectedly, a person can run amok if you suddenly say to him that Pedro is just like his face and you make fun of him. Are we getting the point here? You are actually trying to make jokes. But some people are not jokers and some more people cannot buy jokes. But the viewers are making dramas whereby the person who is said to be alike Pedro cannot accept the fact that he is claimed as Pedro (the driver). Just imagine if that Pedro has got a gun or a knife in his car or pocket? Scary right?

Another character which is nice to see is Nenek Piedad (Madam Piedad). She is a mixture of modern sophisticated lady high class in nature, rich with big mansion of houses and business empires. Do not be surprised if that lady is prettier long before the birth of any Miss Universe in this millennium.

I received a call from my friend who said he was grounded for 2 weeks from his office because he texted an SMS to someone saying that his immediate Director of Finance was like Nenek Piedad. He did not tell me how that "Nenek Piedad" have come to know about what he texted. Not even to whom he texted that that "Nenek Piedad" is like "Nenek Piedad".

Do you still need to watch dramas or what?

Obfuscation is a favourite (favorite)

One writer in particular loved the word obfuscation in one of the writer's writing columns and the book was published for the writer's telling it straight as it seemed to be.

Well, well, well. Nobody cares if you are selling your own brand and suddenly the sellers who are supposed to sell the products, recommend other products instead of your own. Obfuscation as the loved word has become an addiction for that writer to know the products better, because the writer is not a nuisance sometimes but is actually an ad hoc businessperson now.

One person has got his smartphone sent for repair, but the worker in the workshop said the phone is irreparable and it is advisable for the client to buy another piece either new or secondhand item. With great despair, the client refused to use handphones anymore. That handphone was too sentimental in value to him in such a way if the phone cannot be repaired he would become idle. Have you met such a person before?

Inter-racial conflicts occurred regarding the sales of smartphones in many countries but the severity can be found in Malaysia as far as chairs and tables flying too high is concerned. Are the smartphones haunted or what, nobody has made thesis yet.

Another person wished to change new his phone battery and he asked from the kiosks. To his surprise, the shopowner said she did not know where to find the batteries to sell and her face was not sweet because she was selling iPhones at that time. The client's phone was VC, a brand made in Malaysia. Well, well, well.

By asking people where to get batteries, is like asking a tiger in a cage, whether the tiger is going to roar or to roam outside. Not like roaming beyond the fence, arguably. I encountered a problem when I was asking to change ASUS battery in the ASUS outlet. The worker said that battery was out of stock, and I was advised to buy another phones instead because the phone model was in its obsolescence stage. Well, well, well.

It is indeed an obfuscation, to which brands have become so much a nuisance far beyond recognition.

Astonished Coconut Rice

Never in our entire life that we have come across a valid reason for local people to be so astonished as far as their local food cuisines' origin is concerned.

Nasi Lemak as everyone knows is originated from Malaysia but it is not patented. To comfort some quarters, if there is comfort, the rice and coconut are good friends and the latter can be replaced with fresh milk sometimes to reduce cholesterol in coconuts.

I found a very mysterious origin statement in Reader's Digest - June 2011 as quoted below: -

" NASI LEMAK - Literally "rich rice". It used to be a staple of the fishermen in Malaysia who would fry up the small fish they couldn't sell and have it over a bed of rice cooked in coconut milk and salt. A spicy and delicate sambal concoction accompanies it and it also comes with a simple topping of fried peanuts and ikan bilis [anchovies] and slices of cucumber. "

As I was eating a Secret Recepi cake recently, the cake has become tasteless out of sudden. And the price of the cake has noticeably  become dearer and dearer, immediately after I finished swallowing the cake. I was so surprised to see how people frame the definition of Nasi Lemak in such a way that Giffen foods are not so 'Giffen' as compared to the 'Giffen-ness' of the above astonished Nasi Lemak.

And the connotation received by Nasi Lemak is that it is a street food. Well, well, well.

I am not arguing the above out of proportion or to ridicule. But to readers, especially those who never eat Nasi Lemak, it is a taste that will astonish you not so much of the origin, but of small fish as founded by Reader's Digest Asian Edition.

A rhetoric - What's lost is not gone

1. Obviously, today's economy has something to spell out concerning how meagre the income of individuals and companies are, despite efforts to protect them by means of insurance or savings.
2. Uncertainty is risk in nature. Corporations who are dealing in investments are challenged with the biggest sporadic investment schemes which the professionals are so revile in their pursuit of gaining momentum of higher dividends and capital gains, beforehand.
3. Notwithstanding, there are still in existence of schemes which are abstract (or abstraction rather) of what consist of investment policies by those corporations, excluding those individuals who are indirectly investing money in such abstract schemes of investment. The amount is surprisingly huge and nothing can be done to ensure those investments are safe and protected.
4. Does it mean that banks and investment companies are not comprehensively protected or that investors are just bunches of novice who are just demanding great dividend amounts and never see the risks inherent in their investments? Very cynical it is as to show that how shallow the number of investment professionals are in existent and this demarcates the assumption that investors are so naïve as compared to the stock bourses existing in our country.
5. Speaking of the above, many countries are losing billions of dollars in the previous 1997-1998 currency crisis not to mention sub-prime effects in the States. See how the flow of these recessions are put in graphs negating the surge of demand and supply of money. Consequently, many countries are still crawling to achieve surplus in their balance of trade and they are still struggling to repay their previous loans. How are these countries as investors are being protected, and how the dynamics of these have an impact to the well-being of the people : are still an abstract to majority of the populations.
6. I just need to add a very simple explanation from someone who I met whereby he invested his money into unit trusts. He said to me that the risk is lower and the dividend is a surety but the amount is minute. He said in stock markets, if you are brave and durable, you can make yourself a billionaire in an instant. I was so surprised to hear that since he was asking money from me a few weeks ago to buy milk for his baby. He can talk like a consultant in which case he even advised me to check the stock market movement and blue-chips in the newspapers everyday.
7. I wonder if the stock prices were to fall again, how is he going to feed his baby? Is it so sarcastic for me to ask such a question?
8. And today the newspapers printed the most recent investment schemes which are unspeakable. The wavelength of the abstraction is in actual fact verbatim.
9. When it comes to money, not even a President of a giant bank will  see your face and vice versa. Is it a rhetoric or just a plain 'ignorance is bliss' cliché?
   
   
   
   
   
   
   
   
   
   
   
   
   
   

Is your Mycard valuable?

Seldom it may be that discounts are given to the cardholders of any bank for discounts when they are refueling.

Nevertheless, who actually have all the cards in the world to have access to cheaper fuel prices or subsidised sums, which can be utilised by the most needed persons or people who have privilege to use fuel at the best prices so that their income will not be eroded by the price hikes or non-generating income by having the fuel at that rate (cynical it is as it sounds).

Immigrants and citizens are classified as having privilege cards. Alas, the benefits are not always on both sides when your citizenship cards have to compete with all the cards existing with negative correlation from that of your most valuable cards.

How do you activate your cards that can benefit you when you are competing with people who are in actual fact, your adversaries in business? How is the Fintech going to be streamlined if you have got no card at all, to swipe or to type thereupon?

Malay poem is musical

Kau Muzik yang tak terdendang
========================

Ku mencari setiap benua
Menggarap hasrat terbuka jua
Kemasan menjadi bingkisannya
Ke mana harum menjelma ia

Kurungkai setiap amatan menghidup
Kusangkakan angin meniup
Tiada sungai airnya sepi dihirup
Hasil meniti di tepi kali tertutup

Nafas menghembus tika berliku
Ku hela semangat kulihat azimat berkalbu
Menggalas setiap seteru
Tiada jemu tiada kutemu

Bergema lunak suara hati
Mencari puisi sang teruna pertiwi
Merenung ke dalam hati sunyi
Tiada sangsi tersenyum sendiri.

Soalan:
*********
1) Apakah yang dimaksudkan dengan bait-bait puisi yang cuba disampaikan oleh penyair ini?

2) Mengapakah muzik itu perlu hadir tatkala penyair cuba mendendangkan puisinya?

3) Mengapa penyair merenung ke dalam hati sunyi dan apakah yang mendorong penyair mencari puisi itu?

4) Pada pendapat anda, berapakah harga untuk puisi ini sekiranya dapat dinilaikan syairnya dan di negeri manakah syair ini boleh dirungkaikan maksud tersirat syair di atas.

5) Anda boleh membaca syair ini di dalam versi anda. Mungkin ada suara yang sangat sedap boleh mendendangkannya.

Hiccups in sending blogs.

Sometimes writers will have problems retrieving the so called articles which are still on publishing mode via their handheld devices.

Well perhaps we can choose the best internet service or handheld devices which are not always compatible with each other.

I had written poems in English which I cannot translate into Malay as yet. And I have many poems written in Malay which I sent to publication houses but still I did not receive any comments or reply yet. Perhaps not so much of commercial values for the readers or to the publishers obviously.

I have fans too, but very small in numbers. Sometimes you do not want to be known to others because you are not supposed to be writing in blogs.

Just move on after I cannot retrieve my previous article. So I present this poem to those who like it. For the haters, they can always block my appearances as if I cannot have access to high end gadgets forever. :)

Reminiscing the haunted so strong

Shall preclude the desire bound

Reckon air so simple as A.B.C

So much so the seven seas

Vengeance from above intra-sung
Without the 'crochet' in the note
In sync not withstand the gullible
Handsome is he who mesmerizes

Love is the most word so sacred
Transient flow mist like waterfall
Greatest moments unperturbed
The skies so blue singing 'o smile'

I am so young in a song
Pearls so old in a ring
Love so deep so to speak
Do you miss me?

.......................i miss you too............................

What a boring online business.

Business communities must have experienced the most chaotic way online business is being manipulated by certain quarters who are taking advantage on the increasing popularity of the products/ services transacted via online. 

For those who have the product/ ideas/ services to sell, they have to come to a stage where there will always be a third party (middle person : not the same with media interface) whereby their products/ services must come to a scanning stage by that middle person.

The question here on marketing point of view which media is the safest and can be trusted namely instagram, facebook or whatever found in the playstore applications. It must be noted that the transactions will involve transfer of money from the buyer to the seller and normally the interface that these fellows use to interact is via Whatsapp, SMS or even emails. Nobody can be sure if the products are in existence or just a facade. To unveil buying and selling process as such will risk the banking account a random paralysis syndrom whereby the money transfered to the seller does not appear in the account of the seller. 

So who are the media actually monitoring the sale? Some people have gone mad because they paid huge amount of money but the product did not exist at all. But the banks will never go mad because nobody can touch the banks. Some bankers have viewed the money but suddenly the money has turned into units of another financial products in another so-called banks. 

Businesspeople must remember that Bankers are capitalising on their strength to generate more money for the Banks as the multiplying effects are enormous. So where is the product now? And even your trusted banks cannot help to trace the products.This is a nightmare to every person dealing with online transactions including the Chairman of a giant Bank who never typed a single word in his PC. 

We do not want to be mad all the time whenever clients are asking where are their online products at the bank's lobby. Even the Bank Manager will take a few days leave due to the annoying scene at the counter in search of the online products (new) to satisfy those annoying clients. 

As much as money is said to be king, online banking is not supposed to be a queen control kind of device to strike a war for the money which has become so-called units. 

A house by seaside is like a tower with fragile firehouse.

"Kalau takut dilambung ombak, jangan berumah di tepi pantai"

Malay proverbs are among the most sacred and deep-in-meanings phrases that ever existed throughout this millennium. Malaysians who are speaking Malay Language as daily conversation, would never use the above phrase due to its long-lasting effects should the house has been built considerably by seaside. And majority of Malaysians would never use this term whenever they see themselves are about to indulge in any argument concerning buying or selling a house by a seaside. Nobody would ever argue for sure whenever they are asked to move because of the disastrous nature of the calculated risk inherent in the house or the seaside itself.

Malaysia is full of land and natural resources. Notwithstanding anything that the people are asking to have a better standard of living, the need to have a very big house with compounds is not a dream to be shunned by anyone. In the capital cities we can see the tendency of the developers to build flats, condos, shop-houses with different market segmentation and sizes which denote the prices for each unit. Due to economic conditions and lower income factors, many people are not able to own their own house and if they have one, many of them opt to re-finance their houses in order to have access to cash and good relationship with the bankers (which is necessary as the government is helping the Banks to prosper better than the people - what a cycnical point of view it is).

We have to remember that the colonial years had brought the concept of classes or status quo mentality (in my words "status in society") and the richer the person is, the bigger the house and expensive their properties would become or would look to become, and the lower income people will always in debt to own anything from house, land or even their household products. In schools, students are categorised by who send them to school, whether they've alighted from big cars / expensive cars, "Giffen cars", near-torn school buses, motorbikes, or they rode bicycles or perhaps just walked to school. We can imagine how their houses are like, should the above colonial mathematics is used as a logical sense.

A house by seaside is like a tower with fragile firehouse ; is perhaps not the best translation of the Malay term, but it gives a clearer picture on how Malaysians are suffering to own the best houses they dream of ever since Independence. Nobody ever made a survey on the request of the people concerning what type of houses they need ; in fact, the escalating prices of properties in Malaysia as at to-date can be similarly quoted as the title of this article above. 

Minimum salary policy is not a problem for Malaysia to implement. However, the propensity to save and propensity to spend are both restricted. Households are having problems to make ends meet should the houses are to be financed for as long as 25-30 years or during their life-time tenure. Just imagine their other needs to have motor vehicles, vacations, education, insurance and good clothes and foods which Maslow Pyramid itself does not qualify with the current economic and political turbulences we are facing. 

I would not exaggerate the above issue further since the title is very much an obstacle to the readers to digest. Some would have sleepless nights and some would try to figure out how their houses are supposed to be built on such a condition (or conditioning).

So, Pr1ma and suchlike houses will have a big agenda on the next housing policies as far as budget 2017 is concerned. We will see how the Finance Minister is going to translate my article in his own language i.e expertise and courtesy.

(This article is intentionally written for the Finance Minister and  for those who like to read my writings).

What do you mean? (Not a Belieber here perhaps)

1. I will always emphasize on the need to have a secured level of income whenever a company is offering an employment scheme to the employees. Hence, the economics of having a satisfactory number of staff and the budgets therefor must be parallel as to figure out the best minimum and optimum salary scale for them. 
2. Western countries have produced certain policies such as minimum pay for employers to pay their employees. Even the unemployed personnel (cynical) are being paid optimally in order to retain them. As much as the retained earnings of the company is not in actual fact a cash figure or even liquid in its sense, the company which pays minimum salary to the staff is suffocated with lack of sales or revenues. 
3. Many people at the strategic apex are not aware of the fact that most of the workers in tactical and operation levels in the management hierarchy are now slightly educated (thanks to PTPTN Loans or Papa & Mama Sponsorships as in Malaysia), hence, their demand for higher salary scales is quite justifiable having regard to the repayment (repay is not the same as pay) of the said "investment" in education. 
4. Strategically speaking, employers now are in full dilemma whether to squeeze their budgets in their pursuits of stewardship for the shareholders or to increase sales and revenues by doing more sales efforts to sell their products and services or even to enhance their export market viability, which are inevitably, competitive.
5. We can see that a few states in Malaysia have brilliantly ventured into co-operations with foreign fund managers in order to attract Foreign Direct Investments (FDIs). It is important to note here that investment is a very abstract word for the first timers who spell the word, further, the investment comes with huge responsibilities and benefits (and also costs) to a certain extent.
6. Many international entertainers are making their way to perform in Malaysia via gigantic concerts and exhibitions. Justin Bieber and Salena Gomes are famous here. Mariah Carey & MJ were so superb when they performed in Kuala Lumpur years ago. Even the President(s) and Vice President (who never took a sip of water in the dinner specifically arranged for him) of USA came to Malaysia and they became famous. I still remember Madam Madeline Allbright (as the spelling goes since many foreigners are eyeing for spelling errors as found in "Scissors Salad" recently) had had a verbatim argument with the then Minister of International Trade, and the newspapers printed their photos front page. I wonder whether Malaysian English and USA English are compatible to be spoken in Malaysia ever since the teaching in Mathematics and Science in English (which English?) has been abolished due to patriotic and linguistic (rather than economic, education, skill and technological knowledge acquisition) reasonings.
7. The advance of ICT and social media have transformed the knowledge and information industry to become so sophisticated. There is no way that I can say information is an economic indicator for any country to prosper should the internet and access to those sensitive information and knowledge are not organised in the most matured interpretation and usage. Students in Standard 5 hardly memorise mathematical tables let alone to be economically knowledgeable when they are asking their parents to buy internet passes at the rate of RM10 per day. Do you wonder what they eat at the school canteens?
8.  What do you mean by being a famous person when you have tattoos all over your body and then you have to hide it whenever you want to see someone special in your life? "What do you mean" is a good song, since I like the diction when I heard the singer singing via Youtube. What do you mean, yeah!