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
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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:
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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!