Jadual Gaji

How Much Should You Spend on a New Car?

I’ve heard this complaint many times. I am one of those who complain about this too: “The cars are so expensive in Malaysia.”Well, to what extend the high pricing of consumers vehicles in Malaysia? Let me first tell you my experience chatting with an American over breakfast.This happened on 28th July 2012. In the beautiful morning, I drove 10 miles to Portland, Oregon to meet Noah Brockman, a business coach who had just helped me on my online project called Founder Method, which is a membership site providing guidance to Malaysia entrepreneurs.We sat down in a fine restaurant. We shared information on a lot of stuff and eventually we got to the point of discussing the difference of lifestyle standard between Malaysians and Americans.“For a Honda Civic, how much do you think I pay for installment every month?” I asked. I sold this car before I moved to stay in the USA for 12 months.“About RM1500?”, Noah took a guess.“Wow, how do you know? I paid RM1,425 every month. It’s pretty close!”“I don’t know about the price in your country, but here, a Honda Civic cost around US$17,000. With zero down payment, it will be around $1,500 to pay it off in one year.” Noah explained his calculation.“Damn! My installment is for a 7-year loan!”, I exclaimed.

Why is a car priced higher here?

Without blaming anyone, let’s see the taxes imposed on the vehicles here before hitting the road. There are import duty, excise duties and sales tax being imposed on cars.

Source: http://www.maa.org.my/info_duty.htmThese taxes are also one of the highest in the world. This makes most foreign cars extremely expensive for the local buyers. These explain why a Honda Civic here cost RM120,000 meanwhile only US$17,000 in USA.

Malaysians pay a lot for cars

It is a commonly known fact that a young fresh graduate might be paying 30-50% of his salary just to own a car that seems like a necessity, especially if you are working in the big cities.For example, if you get the lowest specification Perodua Myvi model (manual 1.3 liter, solid colour) priced at RM41,924.30 on the road, zero down payment, and 9 years loan repayment, your monthly installment is RM489.51.Source: http://www.autoworld.com.my/v2/tools/loan_payment.aspNow add on the petrol, toll fees, parking fees, and maintenance expenses, you’ll most likely spend around RM800 per month just because you own this car. For a fresh graduate earning RM2,000 a month, RM800 is 40% of your salary.Don’t sweat. I’ll be giving you some suggestions below in order not to overspend on cars. Since we can’t change the National Automotive Policy on our own, the logical thing to do is to play within the rules. There are many ways to spend less on car including not to get a new one, or not to own one at all. Either way, it involves living below your means.Now let’s get to the question we are discussing on this article – how much should you spend on a new car?

How do you know if you can afford a new car?

The answer is the 20/4/10 rule. Michael Kling at Wise Bread (personal finance blog) shares this easy-to-remember rule:Put down at least 20%Finance the vehicle for no more than four yearsKeep total monthly vehicle expense — including principal, interest, and insurance — under 10% of gross incomeApparently, Michael is living in the USA and he is talking about a different living standard.But the principles hold true for us who are living in Malaysia. If cars are expensive, it simply means we should get cheaper options.If you are following these rules, before buying a Myvi, first you got to have at least 20% down payment ready in your bank account, which is about RM8,400.Secondly, by financing the remaining 80% on a 4 years hire-purchase loan, you’ll be paying RM779.79 per month.According to the third rule, you got to keep your total monthly vehicle expense under 10%. By excluding the maintenance, petrol, toll and parking expenses, you got be earning around RM8,000 a month in order to afford a new Myvi.Okay. I know this is kind of hard to swallow. How many years do you need to climb the corporate ladder in order to get to the income level of RM8,000 per month? Some people take as long as 10 years to get there.

The millionaire next door is driving a Myvi

The truth is that there are many frugal people driving a Myvi in Malaysia. I’ve heard a story from my friend, Lee, who is a top level manager of a property development project in Penang. He told me that a middle-age man drove a Myvi to his office. That guy went in wearing short pants, and bought 8 units of RM400k/unit properties in one shot! You see, even the millionaire next door is driving a Myvi.So if you are not earning more than RM8,000 a month but drive a car as good as Myvi or even better, you really need to take a close look at your finances. Are you heading towards the right direction?

Car Loan vs Housing Loan Psychology

After paying many years on both car loan and property loans, here is the main difference I realized – it is totally the opposite feeling when you pay the nth installment.The feeling of paying a car loan1st installment – “I pay so little to enjoy such a nice ride! Totally worth it.”50th installment – “When is the final payment going to come? I am tired of this old car.”The feeling of paying a housing loan1st installment – “It is going to take forever to pay off this mortgage.”50th installment – “Oh… I am paying so little to enjoy this expensive home.”The answer is obvious – don’t buy a car you can’t afford. Until the time you can really afford your dream car according to the 20/4/10 rule, you might be interested in one of the money tips I shared in my bestselling book Top Money Tips for Malaysians – How to get your first car free. Check it out

 Read More http://kclau.com/wealth-management/new-car-cost/ -

See more at: http://kclau.com/wealth-management/new-car-cost/#sthash.m4RGpaXd.dpuf

14 INISIATIF UTAMA DI BAWAH PPPM 2014:

14 INISIATIF UTAMA KPM DI BAWAH PPPM TAHUN 2014:      

8 KPI yg diturunkan ke JPN/PPD:   

(1) DTP
(2) LINUS 2.O
(3) Enrolmen Prasekolah
(4) Asas Infrastruktur
(5) KBAT
(6) TIMSS + PISA
(7) Profisiensi Guru BI
(8) Pelibatan Ibubapa dan komuniti

6 KPI Menteri
(1) Memaksimumkan Keberhasilan 
(2) Piagam Guru
(3) Penstrukturan Semula KPM
(4) Pendidikan Vokasional
(5) 1BestariNet
(6) Piagam Pemimpin

Sama2 kita jayakan Transformasi Pendidikan Negara.

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Top 5 Facebook Mistakes Biz Owners Make

http://m.businessknowhow.com/internet/fbmistakes.htm

Top 5 Facebook Mistakes Business Owners Make

by Tim Parker

Promoting your business with Facebook isn't as easy as creating a page and posting your sales. If you want to use Facebook to the fullest, be sure you aren't making one of these five common mistakes. 

So, you did what you’re supposed to do and got yourself a Facebook page for your business. That’s a great first step. Then, you set up the page, included some good-looking graphics, started posting, and gained a few followers.After a whole lot of rinse and repeat, you’re seeing the same problem as so many other business owners: You’re putting a whole lot of time into it but not seeing much in the way of results.It might be that you’re making some of these five mistakes.

You’re Asking Instead of GivingDo you go to Facebook anxiously hoping to see a bunch of ads and specials? Very few people would answer, “yes” to that question but if that’s how you’re using your page, don’t expect people to respond.Don’t take the social out of social media. People use Facebook to connect with others and consume information that’s valuable to them - all for free.If you run a bakery, Facebook is the perfect place to post a cookie recipe. If you repair mobile devices, post a review of a new product or little known tips and tricks on its operation.If you gear the bulk of your content toward giving to your customers, you can throw in an occasional sales announcement.

Related: 7 Reasons People Aren’t Engaging With Your Business on Facebook

You Aren’t Using the AppsLook on the right side of your page just below your big image at the top. Those boxes are areas to install apps. There are apps to link your Twitter or YouTube page or you can create custom pages using HTML. A whole host of other features can transform your Facebook page into a feature-rich experience much like your website.If you’re not as tech-savvy as you would like, you might need help with this task but increasingly pages that use the apps to their advantage are finding better engagement rates.Before you decide that this is too techy for you to figure out, click on one of the app boxes and explore. Some of the apps are easy to use.

It’s All Text
Long before images and videos were easy to make, it was all about text but those days are over. Text is still important but people looking at your posts don’t want just to read your words, they want to see and hear what’s going on with your business through other media.Make a video. Your social media audience doesn’t care if it’s cinematic quality. They’re fine with a candid video and from time to time, something a little nicer.Post some images. You don’t have to be an amazing photographer. Take a picture of an event, something being made at your facility, or something else that fits your business.Your Posts Are Too LongSave all of those words for your blog. A Facebook post should be just long enough to say what you need to say. That means a couple of lines at the most. Check out your Facebook news feed. Have you seen those posts that say “see more”? Never let a post get so long that a reader has to “click to see more.”It doesn’t have to be as short as your Twitter posts but remember that your readers are skimming your content. They aren’t going to take the time to read many words and there’s a better than average chance that they won’t leave their news feed. You only have a few words to make a big impact.

You Aren’t Paying
To what extent this is true is the subject of much debate but what is becoming increasingly clear is that being noticed on Facebook means paying to get your page and its content in front of more eyes.Those big businesses that seem to have Facebook figured out are paying. The good news is that you don’t need to have a multimillion-dollar budget to get started.You could “boost” a single post or promote your page. There are different targeting options so your page is in front of the right audience and you can start with as little as $5 per day or a fixed amount per post.You can read more about promotion in the help section of Facebook.

Bottom Line
There are many businesses just like yours on Facebook and they set up a presence to take advantage of the free advertising that comes with social media.If you did the same thing, change your way of thinking. Set out to give something to your customers. Make it valuable—something they can only find on your page, and give it away free. If you see that it’s getting positive feedback, pay to promote it and drive more people to your page.Repeat all or some of these tips and you will see your page begin to give back to you.

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How to get your biz found online

http://m.businessknowhow.com/internet/getfoundonline.htm

How to Get Your Business Found Online

by Ellen Williams, Regional Development Director, Constant Contact

How do customers find your business when they're looking for the kind of product or service you sell? More often than not, they look to online search engines. Here's how you can be sure your business shows up in their search results.

To get new customers in the door, your business has to be able to be found by consumers. This used to be done through physical directories, like the Yellow Pages. Needed a plumber? You’d just leaf through the directory to find one in your area. Looking for a restaurant address? Out came the book again. This is no longer the case—the ways consumers find new businesses has changed a lot in recent years.Now when looking for local business information consumers turn to the internet, using their smartphone, tablet, laptop, or whatever device is most accessible. In addition to search engines like Google or Bing, consumers are using city guides like Citysearch, review sites like Yelp, and mobile apps like Foursquare to discover new businesses. This is great news because there are now even more ways for new customers to find you. But it also creates a bit of a problem: there are now more places for you to manage. Many of these listings are automatically generated and can often contain incorrect or out-of-date information. This incorrect or out-of-date information is not the first impression you want someone to have of your business. That’s why it’s so important to be in control of your online listings.

Here are 6 ways to do it:

1. Identify your industry’s hot spotsTake the time to identify the places that your target audience is turning to when searching for businesses similar to yours. The best way to do this is to search for your business on a site like Google and see what type of results show up. Be on the lookout for any publishers that specialize in your particular industry, as they will offer the biggest opportunity to reach your next great customer. Once you have an inventory of the information that’s out there, you can start to take steps to control it.

2. Claim your listingsA lot of the top publishers will give you the opportunity to “claim” your listings. This is something all businesses should take advantage of. Claiming your listings lets you take control of the information that people are finding on these sites. You can manually update contact information, upload photos, and even share updates about specials and promotions, depending on the platform you decide to use.

3. Optimize your website with location informationPublishers like TripAdvisor or UrbanSpoon rely on your websites to populate their platforms.Making sure your contact information is up to date on your own site will help avoid having potential new customers sent to the wrong location.

4. Offer location information to data aggregatorsAs you may suspect, collecting information from across the web and publishing it in a single location is hard work. That’s why many of the top publishers rely on data aggregators to provide relevant information about your brand. While it’s natural to want to be protective of your information online, making basic information like location available to these companies can go a long way in keeping your listings up-to-date.

5. Encourage reviews and recommendations on socialYou may not realize it, but the interactions you have on social media can positively impact your search result rankings. They will improve your chances of getting the highest quality of information in front of potential customers when they’re searching for your business online. Encouraging your fans and followers to share feedback and interact with your business on sites like Yelp or Foursquare will also help ensure the quality of user-generated content.

6. Pay to sponsor listingsJust like you can pay to promote posts on sites like Facebook or Twitter, you can also pay to sponsor your listing on a number of the top listing sites. This is another option you may want to consider after identifying the places where potential customers are most likely to be looking. While this won’t help update information on other sites, it will increase the visibility of your best information on your most important platforms.So there you have it. Updating your businesses info where it is listed across the internet is the first (and most important!) step to ensuring your next great customer is able to find you when they go looking. 

Editor's note: Not using email marketing yet? Or not happy with your provider? BusinessknowHow.com uses and recommends Constant Contact.

(We are also a  Plantinum Solution Provider and receive commissions for sales from Constant Contact. If you need help with your email marketing, let us know.)

Ellen Williams, Constant Contact Regional Development Director, New York and Southern ConnecticutEllen has over 20 years of technology and marketing experience and has presented to over 4,000 small businesses, nonprofits, and associations. Her advice on best practices help organizations understand how to build great customer relationships that inevitable grow their businesses.  

Why A students works for C students

http://elitedaily.com/news/world/students-run-world/

We’ll be the first to inform you, if you rely on intelligence alone, your luck will be extremely limited in your pursuit of success. A portion of the members of our team at Elite Daily were not at the top of their class. Despite this, we embody the phrase associated with our site—remaining “young, successful, and established.”

Thus, we are compelled to argue that it is always not those who possess the best grades who will attain a prosperous lifestyle. It is those who possess the ability to combine a cunning intelligence with business savvy attributes who will be the future leaders of tomorrow.There is myriad evidence in popular culture that corroborates our claim. Consider Bill Gates, Steve Jobs, and the myriad others who are extremely successful and never completed an undergraduate degree. Ponder the fact that Richard Branson ended his academic career at age 16 and is currently valued at an astounding $4.2 billion.

“School is a place where former A students teach mostly B students to work for C students.”This information, contradictory to the incessantly regurgitated story of those with the most academic prowess rising to the top, made us wonder how much one’s academic performance accurately predicts their future success. There appears to be no direct correlation between the two.This is not to say that your academic abilities are insignificant. We are more so taking a strike at our cookie-cutter academic system that aims to foster the same qualities amongst a wide set of students. Our educational system—particularly high school–does little to foster any skills other than simple rote memorization of generally useless facts.

The American academic system excels in the pursuit of broadening one’s knowledge base, but oftentimes fails to shape the minds of students and sufficiently prepare them to endure real world problems.That is to say, the average A student is well prepared to engage in academic discourse, but it is not guaranteed that he will be adequately prepared for challenges outside the classroom. If you glance at the state of our economy, it is evident that theory does not always translate into reality.Each rising generation faces the issue of whether to take the risk of following the time-tested route of “birth-to-college” or take the oftentimes riskier approach of forging their own path to success. Of course, the most beneficial method of action would be a blissful cohesion of these two roads. It is in fact these individuals who tend to run the world. Bill Gates indeed possessed overwhelming intelligence, performing extraordinarily well academically despite putting forth minimal effort.“A brilliant math student, Gates would blow off his classes to go to ones he hadn’t registered for. He would slack all semester, then cram at the last minute and ace the final.”However, although he was an A student, he did not allow himself to be limited to solely academic pursuits. Gates and one of his partners “agreed the microprocessor was going to change the world,” and mustered up their own version of BASIC, which they sold to Altair without having seen their device.Upon realizing Gates’ dorm room misdeeds, Harvard’s disciplinary board charged him for running a business out of his dorm room, spurring the young Gates “[turn] on, [boot] up and [drop] out.”

It is precisely this foresight that distinguished Gates from the thousands of other vastly intelligent Harvard students around him. He represents the type of forward thinking A students that head our nation’s Fortune 500 companies.What is important to note about Gates is that he defied the confining nature of our school system, which simply trains us to be future employees. The skills bestowed upon us provide little enlightenment in the areas of leadership and innovative thinking. The system does quite well, however, at churning out millions of blue-collar clad, cubicle tethered workers to take command from superiors. We wish to break free from this assimilation.Those who ultimately attain success are not only intelligent, but also critical thinkers in society. It takes a true genius to realize that it is not necessary that one become an expert in every field to flourish.

The greatest minds in business realize that it is simply impossible to possess a mastery of every craft. Thus, it is important to note one’s own weaknesses and seek out others who can compensate for these flaws with relevant strengths.If you are not backed by a wealth of talented individuals it will not only hinder the company’s growth and future innovation, but also further make it difficult to produce efficiently.

Guy Kawasaki concisely conveys this when he reveals, “In the Macintosh Division, we had a saying, “A player hire A players; B players hire C players” — meaning that great people hire great people. On the other hand, mediocre people hire candidates who are not as good as they are, so they can feel superior to them.”The overwhelming majority of the knowledge relevant for workplace success originates from experiences outside the confines of the classroom. It is important to maintain a synergistic relationship between real world experiences and furthering your education.

It is unfortunate that the American school structure can be reduced to a social caste system, labeling individuals as fit or unfit for success based purely on classroom performance rather than a more holistic approach.We encounter examples of C students that have achieved great success because one’s academic performance does not always correlate with one’s intellectual ability. The best student will have the entrepreneurial mindset in combination with the critical thinking and analytical skills a college education can provide. Those who only possess one of the two factors are much less likely to succeed.The successful C student is most likely a “last minute Larry”, possesses excellent communication skills, and is a leader with great charisma. These unmotivated potential A students succeed because while their peers were solely focused on their academics, they were simultaneously learning about the world around them.

It is important to distinguish the student who earns Cs because of untapped talent from individuals whose intellectual capabilities actually tops out at C level work. It is the former that is more likely to attain success, as a complete imbecile is unlikely to possess the knowledge necessary to succeed.While certain professions–such as law and medicine–require a wealth of academic knowledge, other fields provide flexibility for the power of the entrepreneurial spirit. One might need a 3.8 GPA from Wharton to become a successful financial analyst, but a savvy entrepreneur can make millions in the stock market based on his natural analytical skills. Just like with the C students, it is important to distinguish between A students as well. It is imperative to keep in mind that not all A students have attained their grades because of raw academic talent.A significant portion are simply “hard-working idiots”, or people who work relentlessly to feign high intelligence. It is those with high natural intelligence—even when it is not reflected in grades—that will become the leaders of tomorrow. If you can muster a straight-A performance without putting forth much effort, you’re in the best position out of anyone.

One must be capable of combining skills with powerful knowledge to ensure success. Remember, Elite; don’t be so hasty to judge your peers with lower grades—they might just be “lazy geniuses” with untapped potential.The problem is our current system tries to mold the members of our society into being employees for the rest of their lives. When you’re a child, your parents are the boss, and when you’re in school, the professors were considered to be the boss. Those who work extraordinarily hard to achieve the highest grades simply prove they excel at completing tasks; be your own boss and make something out of nothing.

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PENDEDAHAN INI MUNGKIN MENGELAKKAN PEMBACA DARIPADA DIPERDAYA
Beberapa hari selepas menukilkan entri ini, saya dihubungi oleh wanita melalui private message Facebook  dan memperkenalkan dirinya sebagai 'Elis', 26 tahun.

Saya kemudian menemuinya pada jam 4 petang semalam di Kuala Lumpur.

"Saya mula bekerja di agensi telemarketing, sebagai kerani pentadbiran kira-kira dua tahun lalu dan kemudian berhenti kerana agensi terbabit tidak membayar gaji saya. Ruang pejabat di tingkat dua dibahagikan kepada banyak partition diduduki telemarketer bertugas menghubungi pemegang kad kredit dan kad debit menggunakan telefon. Jumlah mereka mencecah lebih empat puluh orang, majoriti berbangsa Melayu dan India, tiada Cina. Lebih menarik, kebanyakkan mereka graduan institusi pengajian tinggi atau individu biasa tetapi mempunyai kemahiran bercakap secara berkesan. Sepanjang tempoh latihan seminggu, pihak pengurusan agensi memberikan bakal telemarketer skrip sebagai rujukan untuk membuat panggilan dan kaedah menjawab soalan untuk dihafal. Antara pengisian utama modul, cara untuk menyakinkan pelanggan agar  akhirnya bersetuju mendedahkan tiga nombor kod di belakang kredit kad dan debit mereka atau lebih dikenali sebagai security code bank," kata anak kelahiran Johor itu saya temui di restoran mamak.

"Baik, ini kad kredit. Nombor manakah awak maksudkan?," soal saya.

Elis kemudian spontan mengangkat kad kredit saya letakkan di atas meja.

"Nombor di belakang kad ini, di sebelah kanan tandatangan pemilik. Nombor tiga digit ini amat penting kepada telemarketer," responnya.

Saya mendengar dengan teliti sambil merakamkan kenyataan Elis menggunakan perakam suara jenis Sony.

"Sewaktu membuat panggilan, kami mulakan dengan kenyataan standard. Assalamulaikum encik! Saya Elis daripada bank A dan bekerjasama dengan syarikat insuran B untuk menawarkan skim insuran kepada pemegang kad kredit. Memang semua telemarketer tidak menggunakan nama sebenar. Kemudian kami sambung ... nama encik, Mazidul Akmal Sidik, terlebih dahulu saya ingin membuat semakan nombor kad pengenalan encik, 670319 ..... Betul? Pemilik kad lazimnya berkata 'ya' kerana kami memang dibekalkan semua perincian peribadi bakal mangsa seperti alamat, alamat rumah, nama pewaris dan termasuk nombor kad kredit visa dan mastercard mereka," jelas Elis.

"Kemudian?," celah saya.

Ternyata wanita itu amat petah berkomunikasi.

"Kemudian kita cakap, baiklah encik, sekarang saya ingin mengesahkan nombor kad kredit visa encik. Katalah 6080-0978-0800, bolehkah encik tolong bacakan tiga nombor di belakang kad, bersebelahan tandatangan? Sebenarnya ramai tidak mengetahui itu security code bank. Kami sengaja bertanya walhal selalunya kami memang mempunyai maklumat itu tersenarai," katanya.

"Kalau sudah memiliki nombor kad kredit dan security code mengapakah awak harus bertanya kepada pemilik kad?," tanya saya keraguan.

"Itu memang syarat ditetapkan oleh agensi. Sebelum itu saya terangkan kepada dia, skim insuran ditawarkan mengenakan bayaran RM399 untuk setahun. Apapun, ayat terakhir setiap telemarketer lebih kurang sama sahaja, jadi encik bersetuju kami akan cajkan RM399 ke akaun kad kredit encik? Penolakan amaun itu akan bermula pada awal bulan hadapan dan kami kemudian akan menghantarkan sijil insuran kepada encik. Kami mesti menunggu sehingga dia berkata, saya bersetuju atau ok terlebih dahulu, sebelum nombor kad kredit dan security code digunakan untuk tujuan pembayaran. Biarpun pada awalnya kami memaklumkan dia penolakan bermula pada bulan hadapan, sebenarnya kami akan caj kad kredit dia, pada hari sama. Setiap telemarketer dimestikan membuat minimum dua sale sehari. Setiap pemilik kad bersetuju dengan transaksi terbabit, telemarketer meraih komisyen RM100 manakala syarikat mengaut keuntungan berbekalkan modal air liur, RM299," ujar Elis.

"Sebenarnya wujudkah hubungan di antara agensi, bank serta syarikat insuran itu? Sijil insuran itu datang dari mana pula?," tanya saya sekaligus.

"Tidak! Itu semua penipuan! Sijil dijanjikan kepada mangsa dicetak sendiri di pejabat. Bertujuan mengelakkan pemilik kad datang menyerang, kami sedaya-upaya cuba untuk tidak akan memberikan alamat lengkap kepada mereka. Manakala nombor telefon digunakan oleh telemarketer bukan nombor talian tetap tetapi nombor telefon bimbit seperti 019, 017, 014 atau private number," jelas Elis.

Kata Elis, purata bil telefon bulanan mencecah RM10,000 namun itu hanya sekelumit berbanding jumlah keuntungan diperolehi oleh pengusaha agensi.

Tambah bekas pekerja agensi penipuan itu, majoriti mangsa mereka, pengguna baru kad kredit atau kad debit.

Elis bekerja di antara jam 10 pagi dan 6 petang setiap hari dan diberikan senarai ratusan data perbankan pemilik kad untuk dihubungi.

"Semua individu kami telefon itu tidak semestinya memberikan layanan baik. Kebanyakkannya kami  attack pengguna kad kredit baru kerana mereka tidak begitu arif mengenai transaksi kad kredit jauh sekali  kegiatan sindiket penipuan. Tambahan pula barangkali sebilangan bank gagal memperingatkan pelanggan agar tidak mendedahkan security code kad kredit atau debit melalui panggilan telefon. Beberapa individu kami hubungi, acapkali melontarkan soalan, kalau benar awak daripada bank, mengapakah perlu bertanya dan mendapatkan security code kad kredit saya? Kami akan balas dengan kenyataan, kami ingin membuat pengesahan, betulkah encik pemegang sah kad kredit itu? Itu trick digunakan," responnya.

Menurut Elis, pengusaha agensi penipuan sebegitu meraih keuntungan ribuan ringgit setiap sehari. Tidak hairan jika mereka hidup senang-lenang dan memandu kereta mewah. Agensi terbabit lazimnya hanya beroperasi kurang setahun di pejabat sama sebelum berpindah ke lokasi lain dan sekaligus menukar nombor telefon untuk menjalankan kegiatan

Kini pejabat di tingkat satu dan dua terbabit telah ditinggalkan.

"Tingkat dua tempat telemarketer beroperasi manakala tingkat satu bekas pejabat kakitangan pentadbiran termasuk bos.  Tiada papan tanda syarikat dipaparkan dan selalunya semua tingkap ditutupi tirai. Pejabat tempat saya bekerja dahulu, pernah diserbu oleh kakitangan Suruhanjaya Syarikat Malaysia. Sewaktu kejadian itu telemarketer diarahkan keluar dari pejabat. Ada sekali, wakil syarikat insuran datang ke pejabat secara mengejut. Mungkin berikutan terdapat aduan mengatakan agensi kami menggunakan nama syarikat itu secara tidak sah untuk memperdayakan orang ramai," katanya.

"Semasa awak bekerja, berapakah jumlah sale sehari?," soal saya.

"Satu atau dua sale sahaja SEBULAN sebab saya bekerja sebagai kerani pengurusan dan cuma sesekali diarahkan bertugas sebagai telemarketer.  Pekerja lain? Mereka memang seronok. Contohnya, andai telemarketer mampu menipu purata enam orang pemegang kad kredit baru, pendapatan harian mereka mencecah RM600  Kalau telemarketer tidak membuat sale langsung, mereka akan dibuang kerja. Kaedah digunakan oleh agensi, mudah. Bayar sahaja gaji pokok telemarketer tidak perform separuh atau jangan membayar langsung. Maka pekerja itu tidak akan mampu bertahan dan dengan sendirinya terpaksa berhenti," kongsi wanita itu.

Gaji pokok telemarketer, di antara RM800 dan RM1,500 sebulan dan majoriti pekerja, wanita.

"Adakah selama waktu bekerja, awak tahu agensi terbabit menipu ramai orang?," tanya saya lagi tanpa jemu.

"Saya tahu, sebab itu saya tidak suka membuat sale. Saya juga pernah berbual bersama kawan, bekerja sebagai marketer. Dia sudah berkeluarga dan mempunyai anak. Saya bertanya kepada dia, sampai bilakah awak hendak memberikan anak makan duit hasil penipuan?," balasnya.

Saya kemudian mengemukakan soalan berikut.

"Pernah terdengar rungutan di kalangan telemarketer? Mungkin mereka tertekan kerana terpaksa membuat terlalu banyak panggilan

"Pernah! Namun kakitangan pihak pengurusan amat bijak memainkan peranan mereka. Untuk mengalihkan pandangan dan  tumpuan telemarketer, mereka mengajak kami makan dan berkata, hari ini awak semua  tidak perlu membuat panggilan, kita semua boleh berehat. Mereka juga membuat pekerja gembira  menggunakan elemen kejutan. Baiklah, minggu ini kita akan pergi melancong ke Melaka! Semua kos dibiayai sepenuhnya oleh agensi. Di samping itu, pakej insentif berkumpulan juga ditawarkan kepada telemarketer. Contohnya, jika sale mencecah sasaran, 60 sehari, pakej pelancongan lebih istimewa ditawarkan kepada mereka. Bagaimanapun melalui pengalaman saya, purata tempoh telemarketer bekerja di agensi itu hanya di antara lima dan enam bulan sahaja," kata Elis.

"Adakah semua telemarketer menyedari mereka bekerja di agensi menipu orang ramai?," soal saya.

"Tidak semua. Saya lebih banyak tahu kerana bekerja sebagai kerani pengurusan tetapi itupun atas tujuan mencari rezeki, terpaksalah. Telemarketer tidak tahu langsung berhubung keuntungan ditangguk oleh agensi apatah lagi status nama bank dan syarikat insuran mereka gunakan untuk memperdaya pemegang kad kredit dan debit sewaktu menjalankan tugas. Pihak pengurusan terlebih dahulu memaklum dan menyakinkan telemarketer, operasi dijalankan itu kononnya sah dan dokumen peribadi pemilik kad dibekalkan oleh pihak bank," ujar Elis.

Tambah Elis, kebanyakkan telemarketer, pemegang diploma dan ijazah. Justeru mereka mampu berkomunikasi dalam dwi bahasa, bahasa Melayu dan Inggeris tatkala berkomunikasi dengan bakal mangsa.

"Kalau betul betul bekerja berbekalkan mulut manis, daya pujuk dan telinga tebal, mereka boleh meraih pendapatan bulanan di antara RM3,000 dan RM4,000. Andai kata bakal mangsa marah, telemarketer harus bersikap sabar kerana kakitangan pengurusan berkata, penjawab panggilan bukan berada di hadapan awak. Jadi, mengapakah awak harus berasa takut? Semua bertugas di pejabat agensi sama dilatih untuk menjawab pelbagai soalan dilontarkan oleh pemegang kad kredit dan debit, kekadang dihubungi berulang kali menggunakan teknik dicetak sebagai panduan. Adakalanya bakal mangsa bertindak bijak. Mereka memberikan alasan kononnya sedang bermesyuarat dan meminta untuk dihubungi kemudian dan selepas itu tidak akan melayan panggilan kami. Hanya mereka bersikap lalai sahaja terpedaya," kongsi Elis.

Jika kini tiba-tiba dihubungi telemarketer, apakah respon awak? Soalan itu saya lontarkan kepada wanita hanya meminum teh 'O' ais limau ketika saya temui.

"Saya pernah bekerja seperti kamu sebelum ini dan kamu tidak perlu menipu saya sebab kamu cuma ingin mendapatkan security code tiga digit itu, kan? Terima kasih," balasnya yakin.

Elis turut membawa saya ke lokasi agensi dipercayai masih beroperasi.

"Berikan saya tiga bank seringkali data peribadi pelanggan mereka diperolehi oleh agensi secara mudah," soal saya dengan debaran.

"M....., R..... dan C.... Itu bank paling popular dan mangsa sebelum ini, ramai pelanggan institusi kewangan terbabit," responnya tanpa kelihatan teragak-agak.

"Soalan terakhir, adakah senarai nama dan maklumat perbankan peribadi individu mangsa atau tidak, dibekalkan oleh kakitangan syarikat telekomunikasi  atau ...?," tanya saya.

Memang saya membiarkan soalan itu tergantung.

"Sekali, saya dan kakitangan pengurusan agensi pernah bertemu dengan lelaki mendakwa kakitangan bank. Kami bertemu di restoran mamak. Dia menyerahkan senarai kira-kira 200 nama, lengkap beserta data peribadi perbankan pelanggan dalam bentuk  pen drive. Setiap satu data dijual dengan harga di antara RM1 dan RM1.50. Apapun pastinya bukan semua kakitangan institusi perbankan terbabit," jelas Elis.

"Wow! Semurah itu?

Saya terkejut.

"Ya dan lazimnya dalam tempoh dua minggu, secara rutin agensi akan membeli senarai data lain pula, dibekalkan individu sama atau berbeza. Melalui pengalaman, saya boleh mengesahkan, syarikat telekomunikasi tidak terbabit dalam sindiket penipuan ini," balasnya.

NOTA

Perkataan 'telemarketer' dalam entri ini secara spesifik HANYA merujuk kepada pekerja di bekas agensi Elis pernah bertugas sekaligus BUKAN ditujukan kepada SEMUA telemarketer di seluruh negara.

Justeru telemarketer lain, tidak terbabit dengan kegiatan penipuan, usah terasa mahupun melenting.

KBAT

KBAT antara cirinya

- thinking out of the box
- non-algorithmatic thinking
- more than one solution
- listening not just hearing
- observing not just looking

Khasiat garam

Tsnggung jawab suami dan isteri kepada ibu bapa

15 maksiat yang akan menurunkan bala

15 maksiat yang akan menurunkan bala

Daripada Ali bin Abi Talib r.a. Rasulullah saw. Bersabda: "Apabila umat ku telah membuat lima belas perkara, maka bala pasti akan turun kepada mereka iaitu:

1. Apabila harta negara hanya beredar pada orang-orang tertentu.

2. Apabila amanah dijadikan suatu sumber keuntungan.

3. Zakat dijadikan hutang.

4. Suami memperturutkan kehendak isteri.

5. Anak derhaka terhadap ibunya,

6. sedangkan ia berbaik-baik dengan kawannya.

7. Ia suka menjauhkan diri daripada ayahnya.

8. Suara sudah ditinggikan di dalam masjid.

9. Yang menjadi ketua satu kaum adalah orang yang terhina di antara mereka.

10. Seseorang dimuliakan kerana ditakuti kejahatannya.

11. Khamar (arak) sudah diminum di merata tempat.

12. Kain sutera banyak dipakai (oleh kaum lelaki).

13. Para artis-artis disanjung-sanjung.

14. Muzik banyak dimainkan.

15. Generasi akhir umat ini melaknat (menyalahkan) generasi pertama (sahabat).

Maka pada ketika itu hendaklah mereka menanti angin merah atau gempa bumi atau pun mereka akan dirobah menjadi makhluk lain ".

H.R Termizi

keterangan

Dunia pada hari ini telah membuat segala apa yang telah disabdakan Rasulullah saw. ini, cuma mungkin belum sampai ke peringkat akhir.

Sumber dari 14.brinkster.com
Wallahu'alam bissawab والله أعلمُ بالـصـواب

Bangun malam untuk buang air? Baca ini.

FOUND IN THE INTERNET

YB Dr Daroyah Alwi wrote:

Assalam..
Sy nak kongsi very good tips - bg yg terbangun dr tidur utk buang air...... baca ya!

Penting untuk diambil perhatian!!!
Tiga kali (1/2)

Para pakar selalu berpesan:
Setiap individu harus ambil perhatian tentang 3 x 1/2 minit.

Kenapa penting?
3 x 1/2 minit adalah suatu amalan percuma tetapi akan banyak mengurangkan angka kematian secara mengejut (sudden death)

Kerap kali berlaku seorang individu yang siang harinya masih nampak sihat, tetapi malam harinya meninggal.

Selalu kita mendengar cerita orang, kelmarin saya masih bersembang dengan dia, kenapa tiba-tiba dia meninggal?

Penyebabnya adalah ketika bangun malam utk ke bilik air kerap dilakukan secara terlalu cepat.
Sejurus kita berdiri, otak masih kekurangan aliran darah.

Knapa "3?1/2 minit" amat
penting?
Kerana pattern ECG .(Electro Cardiogram) seorang individu normal pada siang hari manakala pada masa tengah malam ketika terbangun nak buang air kecil contohnya, pattern ECG itu boleh berubah.

Kerana dgn bangun secara tiba-tiba otak akan jadi anaemic dan mengalami kegagalan jantung (heart failure) disebabkan kekurangan darah.

Dinasihatkan untuk mengamalkan amalan "3 kali 1/2 minit" ini, iaitu:

1.Bila terbangun drpd tidur jgn trus turun dri katil, tetapi berbaringlah dulu untuk tempoh 1/2 minit;

2. Duduk di katil utk tempoh
    1/2 minit;

3.Turunkan kaki, dbuduk di tepi katil utk tempoh 1/2 minit.

Selepas 3 x 1/2 minit yg dilakukan secara percuma tanpa membayar sesen pun, otak tdk akan anaemic dan jantung tdk akan mengalami kegagalan,  mengurangkan kemungkinan terjatuh dan meninggal ketika bangun tengah malam seperti yg sering kita dengar.

Pernah seorang tua menangis kesal kenapa beliau tidak mengetahui perkara ini drp dulu lagi setelah membaca pesanan ini.

2 tahun lalu dia bgun tengah malam utk buang air kecil,  di bilik mandi tiba2 terasa dunia berpusing dan bliau terjatuh, akibatnya dia skrg mengalami lumpuh dan tak boleh bangun dri katil, punggunnya mengalami luka2 dikubitus..
Seandainya dia mengetahui perkara ini, beliau tdak seharusnya menderita seperti kini.

Share utk org2 yg kita syg utk menghindari perkara2 seperti ini terjadi. Ianya boleh berlaku tanpa mengira usia tua ataupun muda.

Sharing is caring.

Bilik Mandi - Rumah iblis

Dijumpai dalam internet. Awas ... bahan bahan  yang ada dalam ruang maya ini. Baca dan rujuk pada yang arif  kerana ini bukan kitab agama. Cuma sekadar panduan.

Farmasi Alam dan kunci kebahagiaan

Found in WhatApps

Awas Penipu

Dijumpai dalam internet.... ???

How to drink water as per Sunnah

...perkongsian dari sahabat...How to drink water As per Sunnah.

The Sunnah way of drinking water is :-
1. Drink water with your right hand.
2. Drink water by sitting.
3. Start drinking water by  saying Bismillah
4. See the water before drinking.
5. Drink water in 3 Sips.
6. Remove glass from your mouth after each sip.
6. After finishing each sip say Alhamdulillah.
7. After 3 sips of drinking water, say finally Alhamdulillahi Wasshukru lillaah.

BENEFITS OF SUNNAH OF DRINKING WATER by Sitting down and with 3 sips of drinking water.

1. Kidneys never fail.
2. Knees are functional always.
3. Backbone is always strong.
4. Heart Valves never stop.
5. Mind is always active.
Subhaanallah, share these benefits with everyone and do remember us in your Dua.

Yaa Allah, the person who did this publicity for this Sunnah of sitting and drinking water, reward him & his family with good health and wealth & grant him the reward of Maghfirath. 'Aameen'.

Bab bersyukur

Bersyukur Dengan Nikmat Yg Ada   Mendengar isteri membebel di rumah, bererti aku masih punya keluarga.

Mendengar suami masih mendengkur di sebelahku bererti aku masih punya suami.

Mendengar ayah dan mak menegurku dengan tegas bererti aku masih punya mak ayah.

Merasa letih setiap ptg selepas penat bekerja, itu bererti aku mampu bekerja keras.

Membersihkan pinggan dan cawan kotor setelah menerima tamu di rumah, itu bererti aku punya teman.

Pakaianku terasa agak sempit, itu bererti aku makan cukup.

Mencuci dan menyetrika tumpukan baju, itu berarti aku memiliki pakaian.

Membersihkan halaman rumah, mop lantai, itu berarti aku memiliki tempat tinggal.

Mendapatkan banyak tugasan, itu berarti aku dipercayai dapat melakukannya.

Mendapatkan banyak komplen dari customer kita menandakan bahwa customer kita masih ada, masih loyal dan menginginkan kita menuju perubahan ke arah lebih baik.

Mendengar bunyi exzos & hon itu bererti aku bisa mendengar

Mendengar bunyi Azan di pagi hari, itu berarti aku masih hidup.

Akhirnya banyak hal yang dapat kita syukuri setiap hari.

Aku juga bersyukur mendapatkan pesan ini, karana secara tidak sedar aku masih memiliki teman yang peduli padaku.
Seseorang yang peduli tentang aku telah
mengirimkannya kepadaku.

Dan karena aku peduli tentangmu maka aku mengirimkannya juga kepadamu.

Berhenti mengeluh dan bersyukurlah. Bersyukur dalam setiap keadaan meski tak ada alasan untuk bersyukur sekalipun.

Semoga yang membaca pesan ini selalu diberkahi dengan kesihatan, kebahagiaan dan kedamaian. Amiin

Petua Dec 2013

���� SOMETHING YOU
           MIGHT HAVE NOT
           KNOWN And NEED
           TO KNOW !!

��  Ants Problem:
       Ants hate Cucumbers.
       "KEEP the skin of
        Cucumbers near the
        Place where they are
        or at Ant Hole.  

   To Get Pure & Clean
        Ice :
        "Boil Water first
        before placing in the
        Freezer"

  To make the Mirror
        Shine:
        "Clean with Sprite"

   To remove Chewing
        Gum from Clothes:
        "Keep the Cloth in
        the Freezer for One
        Hour"

��   To Whiten White
        Clothes:
        "Soak White Clothes
        in hot water with a
        Slice of Lemon for 10
        Minutes"

  To give a Shine to
        your Hair:
        "Add one Teaspoon
        of Vinegar to Hair,
        then wash Hair"

��  To get maximum
        Juice out of Lemons:
        "Soak Lemons in Hot
        Water for One Hour,
        and then juice them"

  To avoid smell of
       Cabbage while
       cooking:
       "Keep a piece of
        Bread on the
        Cabbage in the
        Vessel while cooking"

  To avoid Tears while
        cutting Onions ��:
        "Chew Gum"

  To boil Potatoes
        quickly:
        "Skin one Potato
        from one side only
        before boiling"

  To remove Ink from
       Clothes:
       "Put Toothpaste ��
       on the Ink Spots
       generously and let it
       dry completely, then
       wash"

�� To skin Sweet
       Potatoes quickly :
       "Soak in Cold Water
        immediately after
        boiling"

��  To get rid of Mice or
       Rats:
       "Sprinkle Black
       Pepper in places
       where you find Mice &
       Rats. They will run
       away"

 Take Water Before
       Bedtime..
       "About 90% of Heart
       Attacks occur Early in
       the Morning & it can
       be reduced if one
       takes a Glass or two
       of Water before going
       to bed at Night"

 We Know Water is
       important but never
       knew about the
       Special Times one
       has to drink it.. !!

       Did you  ???

 Drinking Water at the
       Right Time ⏰
       Maximizes its
       effectiveness on the
       Human Body;

         1 Glass of Water
              after waking up -
             ⛅ helps to
              activate internal
              organs..

         1 Glass of Water
              30 Minutes  ��
              before a Meal -
              helps digestion..

        1 Glass of Water
              before taking a
              Bath �� - helps
              lower your blood
              pressure.

        1 Glass of Water
              before going to
              Bed -  avoids
              Stroke  or Heart
              Attack.

�� Chinese Proverb Says:
      'When someone
       shares something of
       value with you and
       you benefit from  it,
       You have a moral
       obligation to share it
       with others too.'

So..., DO your's !
I have done mine 