Consumerist: ASTRO ‘Service’ Sucks Big Time In Malaysia!

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It is absolutely embarrassing and despicable, that you keep a consumer, waiting for over 45 minutes, forcing them to switch off their telephones.

It is despicable, that our laws are not strong enough, to protect Malaysian consumers from companies like yours, masquerading as service providers!

I called you, to report a service interruption on Saturday Jan 30, at between 9.45pm to 10.45pm and was forced to waiting listening to an horrible voice singing away for 50 minutes!

This is what you call Wecare?

Well Done Astro!

You make all Malaysians, really proud by this benchmark and standards!

                           

 

Consumerist: 5 Brave Steps To Being An Alert and Conscious Malaysian Consumer In The Wake Of Marketplace Turmoil!

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Beloved Prime Minister, Najib Tun Razak has always advised Malaysian consumers to be dedicated in making a budget and to take cognizance of marketplace escalation of prices which is a global phenomenon!

As budgeting will help Malaysian consumers to steer their way despite marketplace challenges!

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Consumerist: 5 Brave Steps To Being An Alert and Conscious Malaysian Consumer In The Wake Of Marketplace Turmoil!

My late grandfather a headmaster in Sungei Petani, Kedah and peer of the first two Malaysian premiers, always stated that the very foundation of developing good financial habits as a committed consumer especially with spiraling costs of living and services is creating solid budgeting skills.

Budgeting is not an art, it is a skill that is taught by practicing over and over again.
It is no rocket science!

You do not need a degree in finance to create and maintain a budget.

Follow these simple steps to create a solid budget.

Step 1: Gather Information.

Gather together all of your bank statements, receipts, and credit card statements for a given month. Create a number of categories for living expenses such as food, gas, rent/mortgage, utilities, clothing, loan payments, etc.

Based on the information you gathered, make an educated estimate for the amount that you spend in each category. Also, figure out your take home income (total monthly income minus taxes).

Step 2: Write it Down!

The biggest mistake that so many Malaysian consumer households make is that they skip the easiest step in the budgeting process — writing down the budget! You must write or type out your budget.

There is something powerful about seeing it on paper rather than keeping it in your head. This is a good template for those of you with Microsoft Excel. It allows you to type in the projected and actual budget amounts.

Step 3: Spend Your Money on Paper

This is a very important step. There are two methods of budgeting: looking back and looking ahead budgeting. Looking back budgeting involves spending all of your money and keeping track of where it all went at the end of the month.

Looking ahead budgeting means spending the money on paper in the beginning of the month, and then spending within the designated amount in each category.

The latter is the only method of budgeting that is effective. If you write down RM500 for food for the month of February, then you have RM500 dollars to spend at the grocery store that month. You spend only that amount for the month.

Step 4: Create a System That Works For You.

Organization is the key to a successful budget. Make sure you have a system that you stick to for setting aside certain amount of money for certain categories.

One popular method for organizing a monthly budget is the envelope system. Take an envelope for the food category and pay yourself RM500 (or whatever your amount is) by placing it into an envelope marked “Food Money”. Do the same for Gas, Entertainment, Miscellaneous Money, and Clothing.

The rest of the money in your checking account will cover bills that need to be paid with a check or debit card. If you do not like keeping envelopes full of money around the house, then check out this online envelope budgeting system at the Mvelopes website.

Step 5: Be Proactive.

This step is what keeps a budget working every month. Obviously, your first budget will not be the most accurate when it comes to setting aside money for certain categories.

At the end of the month, analyze your budget. If you spent RM50 dollars less for Gas, but you spent RM50 more for food, adjust accordingly for the next month.

It’s never this easy, but you get the point. Also, be sure to analyze any categories where you spent much more than you budgeted. If you are spending RM500 on entertainment when you budgeted RM200, then ask yourself some questions. “Why did I spend this much on entertainment this month?”

“Do I need to change my habits for going out?”

Dear Malaysian Consumers – Follow these steps for budgeting and you will start to see the rewards when you have extra money at the end of the month!

It will feel like you gave yourself a pay raise! The idea is to budget in an efficient way to end up with extra money at the end of the month. This extra money should be used for paying off debt aggressively, saving long-term, and establishing an emergency fund.

This is a first brave step to being an alert and conscious consumer in the wake of a Malaysian marketplace turmoil!

                           

Consumerist: 8 Points To Consider As You Plan To Leave Your Job With Your Dignity & Decorum Intact!

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All of us go through a time when we may decide that enough is enough and the need to move on!

It may be that you feel betrayed, by-passed or that you are working for idiots and morons!

Never mind what!

If you have decided to leave and feel that it is for the best – my advice is that you make sure you don’t leave your dignity behind. How you leave your job who you are and how you feel about yourself.

I pray these 8 suggestions will help you leave on a good note. They won’t guarantee it, because you can’t control other people’s reactions. But even if there is negativity, if you leave with what cultural anthropologist Angeles Arrien calls Honorable Closure, you will be able to feel good about yourself.

1. Do your homework. Before you make the decision to quit, be clear about what your motivation is. Is it because: Career opportunities are limited? There something more attractive elsewhere? This is not the work you want to be doing after all? There is a lack of support from from boss or co-workers, or too much conflict? Some of these reason are because you are moving forward to what you desire. Whatever your assumptions are, have you tested them and are sure they are correct?

2. Never make the decision to leave while you are caught in emotions. If you are really angry, take the time for your rational brain to kick back in. You might still decide to leave, but you can make a rational decision on the best way to proceed.

3. Don’t feel guilty. Your attitude makes a huge difference in how you come across when you tell your boss you’re leaving. You don’t need to feel guilty or defensive about leaving a job. According to statistics, the median number of years in a job is around four years. Some people realize immediately that they have landed in the wrong place. If that’s the case, the honorable thing to do is to move on before it gets worse.

4. If you are asked why you are leaving, be clear, be straight, be descriptive. You are more credible when you share information and facts. Don’t dump a lot of emotional baggage, accusations, or generalities that can’t be verified.

5. Tell your boss before you tell your co-workers so he or she doesn’t hear it first through the rumor mill.

6. Consider discussing your concerns with your boss before you make the final decision to leave. It might be there are options you are not aware of that would affect your decision.

7. Give enough warning so they are not hanging in the lurch.

8. Give it your all to the end. There can be a temptation to slack off when you know you’re leaving. Seeing it through to the finish will help you feel good about your contribution and yourself as you walk out the door the last time.

                           

Consumerist: I Am Fearful Of Whats Happening In Malaysia & My Classmate Pens It Head On!

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The politicians and others, can say what ever they want!

But middle and lower Malaysia are not stupid and feel the heat and pain!

The abuse and double speak has destroyed all that the founding fathers had intended for Malaysia, and even as I write this piece, we have an idiot telling us, that if my family and I are put at life’s risk. I should do nothing, to protect my family and and I?

This goes against every universal and international law and convention of self defense and that a home is a man’s castle!

No wonder, with these kinds of incompetence and idiots, we are at the bottom of the barrel!

The average fear is now capitulated in my classmate’s article that was earlier published in The Star Letters Column!

Here I reproduce it with his permission!

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“Overly racial and religious in Malaysia – The Star (May 27, 2014)

ON one of my recent flights overseas, I was seated beside a man from Tunisia who works in Malaysia and is married to a Malaysian.

During the 12-hour flight we became friends and talked on many topics, including tourism.

However, what he said about one month ago, still rings in my ear: “I have visited and worked in many countries but none is as good as Malaysia. But, these last few years Malaysia has somehow changed.

The racial situation looks like it is ready to explode, almost everyone seems to be more religious, mostly for the wrong reasons.”

Being away from Malaysia for about two weeks after that, I began to ponder and realised that what the foreigner said was quite true.

We have a mob gatecrashing into a state assembly, an elected representative cursing another political party and bigots spewing racist statements. These are but a few of the things that should not be happening in our country. What is happening to Malaysia?

If I was much younger, I will not think twice about migrating elsewhere. Not because I do not love this beautiful country but because I love it too much to sit and watch Malaysia follow the footsteps of other countries that are in turmoil and unrest.

Why are we behaving this way? Don’t we like to live in peace and harmony as we did 40 or 50 years ago?

It gives me the shivers to think what my grandchildren and their children will be facing in the future.

I just pray that I will not be around long enough to see any destruction of this beautiful nation.

Malaysians, please play your part to stop this rot before it is too late.

MALAYSIAN ARAB

Shah Alam”