Jumaat, 7 Oktober 2011


Belanjawan 2012 bertemakan Dasar Transformasi Nasional: Bajet Membela Rakyat, Mensejahtera Negara telah pun selamat dibentangkan di Parlimen oleh Perdana Menteri dan Menteri Kewangan, YAB Dato' Sri Mohd Najib Tun Abdul Razak petang tadi. Setiap hujah lengkap untuk kebajikan, ekonomi dan perancangan untuk masa depan rakyat Malaysia. Untuk teks lengkap sila klik link.

Bajet 2012

Kenaikan gaji bagi jabatan tertentu juga tidak dikecualikan. Naik lagi kuasa beli bagi mereka yang bekerja di sektor kerajaan. Hope tiada masalah inflasi di masa akan datang. Hope juga jika terdapat kadar kenaikan barang akan mengambilkira gaji pekerja di sektor swasta. Dan yang paling penting sekali level pendapatan bagi golongan yang akan di statuskan miskin akan dikemaskinikan. Satu lagi banci pendapatan perlu di buat untuk menentukan tahap kemiskinan negara.

Hope bajet yang telah dibentangkan dapat memantapkan struktur ekonomi di negara kita. Bagi yang sudah naik gaji tu, jagalah mutu dan kualiti perkhidmatan anda. Dan bagi yang menerima peruntukan, bersyukurlah dengan apa yang ada. Gunakanlah dengan bijak dan tidak mensia-siakannya.

Best Quotes - 07/10/11

"Change your thoughts and you change your world." - Norman Vincent Peale
"Creation is always happening. Every time an individual has a thought, or a prolonged, chronic way of thinking, they're in the creation process. Something is going to manifest out of those thoughts" - Michael Beckwith
"Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma – which is living with the results of other people’s thinking. Don’t let the noise of other’s opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary."- Steve Jobs
"I am sometimes taken aback by how people can have a miserable day or get angry because they feel cheated by a bad meal, cold coffee, or social rebuff, or a rude reception...We are quick to forget that just being alive is an extraordinary event, a chance occurrence of monstrous proportions."- Taleb
"Specialization is not your friend. Work on experiencing more diverse aspects of business and life."-Robert Kiyosaki
“I want to put a ding in the universe.” - Steve Jobs
“You control your future, your destiny. What you think about comes about. By recording your dreams and goals on paper, you set in motion the process of becoming the person you most want to be. Put your future in good hands - your own.” - Mark Victor Hansen
"Let a person radically alter his thoughts, and he will be astonished at the rapid transformation it will effect in the material conditions of his life." - James Allen
"Your greatest asset is your earning ability. Your greatest resource is your time. For your midweek motivation make it goal today to take advantage of every minute in your workday."-Brian Tracy
"I like to think of the word FOCUS as Follow One Course Until Successful. My two favorite words of that acronym are: Until Successful."-Robert Koyosaki
"Being an entrepreneur is not a get-rich scheme. Sacrifices are part of the journey. It takes strength of character to keep going."- Robert Kiyosaki
“We all have our time machines. Some take us back, they're called memories. Some take us forward, they're called dreams.” - Jeremy Irons
“Gratitude bestows reverence, allowing us to encounter everyday epiphanies, those transcendent moments of awe that change forever how we experience life and the world.” - John Milton
“Cherish your visions and your dreams as they are the children of your soul; the blueprints of your ultimate achievements.” - Napoleon Hill
"People need regular feedback to know how they are doing and to keep on track. Today compliment a coworker or give praise to someone who's doing a great job."- Brian Tracy

Khamis, 6 Oktober 2011


          Financial education is increasingly important, and not just for investors. It is becoming essential for the average family trying to decide how to balance its budget, buy a home, fund the children’s education and ensure an income when the parents retire. Of course people have always been responsible for managing their own finances on a day to day basis – spend on a holiday or save for new furniture; how much to put aside for a child’s education or to set them up in life – but recent developments have made financial education and awareness increasingly important for financial well-being.

          For one thing, the growing sophistication of financial markets means consumers are not just choosing between interest rates on two different bank loans or savings plans, but are rather being offered a variety of complex financial instruments for borrowing and saving, with a large range of options. At the same time, the responsibility and risk for financial decisions that will have a major impact on an individual’s future life, notably pensions, are being shifted increasingly to workers and away from government and employers. As life expectancy is increasing, the pension question is particularly important as individuals will be enjoying longer periods of retirement.

         Individuals will not be able to choose the right savings or investments for themselves, and may be at risk of fraud, if they are not financially literate. But if individuals do become financially educated, they will be more likely to save and to challenge financial service providers to develop products that truly respond to their needs, and that should have positive effects on both investment level and economic growth.

          Individuals are increasingly being asked to take on sole responsibility – and assume the burden of risk – for complex savings tasks which were previously at least shared with governments or employers, such as investing for a pension or for higher education for their children. But how can individual workers or parents be expected to weigh the risks and make responsible choices in an ever more sophisticated financial market? This is true even in countries where consumers generally are familiar with financial instruments such as credit cards, mortgage loans and perhaps private saving to “top up” company pension plans. It is all the more difficult in emerging economies whose rapid development has given access to financial services to a large number of consumers, many of whom have only a limited experience with formal financial systems.

         For emerging economies, financially educated consumers can help ensure that the financial sector makes an effective contribution to real economic growth and poverty reduction. But financial literacy is also crucial for more developed economies, to help ensure consumers save enough to provide an adequate income in retirement while avoiding high levels of debt that might result in bankruptcy and foreclosures. The information available on consumer financial literacy is worrying for two reasons – not only do individuals generally lack an adequate financial background or understanding to navigate today’s complex market, but unfortunately they also generally believe that they are far more financially literate than is really the case.

For further readings :  http://www.oecd.org/dataoecd/8/32/37087833.pdf

Isnin, 3 Oktober 2011


        Worrying can be helpful when it spurs you to take action and solve a problem. But if you’re preoccupied with “what ifs” and worst-case scenarios, worry becomes a problem of its own. Unrelenting doubts and fears are paralyzing, not motivating or productive. They sap your emotional energy, send your anxiety levels soaring, and interfere with your day-to-day life—all this with no positive payoff! The good news is that chronic worrying is a mental habit you can learn how to break. You can train your brain to stay calm and collected and to look at life from a more positive perspective.

Why is it so hard to stop worrying?

Constant worrying takes a heavy toll. It keeps you up at night and makes you tense and edgy during the day. You hate feeling like a nervous wreck. So why is it so difficult to stop worrying? For most chronic worriers, the anxious thoughts are fueled by the beliefs—both negative and positive—they hold about worrying.
On the negative side, you may believe that your constant worrying is harmful, that it’s going to drive you crazy or affect your physical health. Or you may worry that you’re going to lose all control over your worrying—that it will take over and never stop. On the positive side, you may believe that your worrying helps you avoid bad things, prevents problems, prepares you for the worst, or leads to solutions.
Negative beliefs, or worrying about worrying, add to your anxiety and keep worry going. But positive beliefs about worrying can be just as damaging. It’s tough to break the worry habit if you believe that your worrying protects you. In order to stop worry and anxiety for good, you must give up your belief that worrying serves a positive purpose. Once you realize that worrying is the problem, not the solution, you can regain control of your worried mind.

Learning To Postpone Worrying

  1. Create a “worry period.” Choose a set time and place for worrying. It should be the same every day (e.g. In the living room from 5:00 to 5:20 p.m.) and early enough that it won’t make you anxious right before bedtime. During your worry period, you’re allowed to worry about whatever’s on your mind. The rest of the day, however, is a worry-free zone.
  2. Postpone your worry. If an anxious thought or worry comes into your head during the day, make a brief note of it on paper and postpone it to your worry period. Remind yourself that you’ll have time to think about it later, so there’s no need to worry about it right now. Save it for later and continue to go about your day.
  3. Go over your “worry list” during the worry period. Reflect on the worries you wrote down during the day. If the thoughts are still bothering you, allow yourself to worry about them, but only for the amount of time you’ve specified for your worry period. If the worries don’t seem important any more, cut your worry period short and enjoy the rest of your day.

Distinguish Between Solvable And Unsolvable Worries

If a worry pops into your head, start by asking yourself whether the problem is something you can actually solve. The following questions can help:
  • Is the problem something you’re currently facing, rather than an imaginary what-if?
  • If the problem is an imaginary what-if, how likely is it to happen? Is your concern realistic?
  • Can you do something about the problem or prepare for it, or is it out of your control?
Productive, solvable worries are those you can take action on right away (for example, if you’re worried about your bills, you could call your creditors to see about flexible payment options). Unproductive, unsolvable worries are those for which there is no corresponding action (“What if I get cancer someday?” or “What if my kid gets into an accident?”). If the worry is solvable, start brainstorming. Make a list of all the possible solutions you can think of. Try not to get too hung up on finding the perfect solution. Focus on the things you have the power to change, rather than the circumstances or realities beyond your control. After you’ve evaluated your options, make a plan of action. Once you have a plan and start doing something about the problem, you’ll feel much less worried.

Accept Uncertainty 

The inability to tolerate uncertainty plays a huge role in anxiety and worry. Chronic worriers can’t stand doubt or unpredictability. They need to know with 100 percent certainty what’s going to happen. Worrying is seen as a way to predict what the future has in store—a way to prevent unpleasant surprises and control the outcome. The problem is, it doesn’t work. Thinking about all the things that could go wrong doesn’t make life any more predictable. You may feel safer when you’re worrying, but it’s just an illusion. Focusing on worst-case scenarios won’t keep bad things from happening. It will only keep you from enjoying the good things you have in the present. So if you want to stop worrying, start by tackling your need for certainty and immediate answers.

Challenge  Anxious Thoughts

If you suffer from chronic anxiety and worries, chances are you look at the world in ways that make it seem more dangerous than it really is. For example, you may overestimate the possibility that things will turn out badly, jump immediately to worst-case scenarios, or treat every negative thought as if it were fact. You may also discredit your own ability to handle life’s problems, assuming you’ll fall apart at the first sign of trouble. These irrational, pessimistic attitudes are known as cognitive distortions.
Although cognitive distortions aren’t based on reality, they’re not easy to give up. Often, they’re part of a lifelong pattern of thinking that’s become so automatic you’re not even completely aware of it. In order to break these bad thinking habits and stop the worry and anxiety they bring, you must retrain your brain.
Start by identifying the frightening thought, being as detailed as possible about what scares or worries you. Then, instead of viewing your thoughts as facts, treat them as hypotheses you’re testing out. As you examine and challenge your worries and fears, you’ll develop a more balanced perspective.

References: Helpguide.Org