Hornbill Unleashed

July 17, 2012

Why our country is the way it is

Filed under: Politics,PRU 13 Election — Hornbill Unleashed @ 12:00 AM
Tags: , ,

CT Ali

 For the vast majority of Malaysians, the future is grim as the Umno-led BN government continues to do what it thinks it should do to get the votes in the 13th general election.
Many Malays now understand that Ketuanan Melayu also takes from the non-Malays the opportunities of an education for their children so that the children of Malays can have them.

Ketuanan Melayu deprives the father of these non-Malay children of jobs and business opportunities so that Malays could have them.

These non-Malays who are being deprived of education and job opportunities are our neighbours, our acquaintances, our friends and all call Malaysia their home.

How can I look them in the eye and say that Ketuanan Melayu allows me to do all this?

And this is why our country is the way it is.

The mass of poverty and the economic difficulties of making ends meet that our people now live in is more than that of many decades ago.

In those times there was more happiness, more comfort and less stress. In the last decade the standard of living for our people has been stationary.

Income has been stagnant but the costs of living have risen tremendously.

Each and every one of you that reads this know what I mean but this Barisan Nasional government does not.

This frustration at the way things are repeated across the length and breadth of our nation is in every individual that feels the pain of trying to live within their means.

And that is a lot of individuals – in the millions!

Grim future

Everyone that enters the workforce are confronted with the reality of having too little money to meet their living requirements – shelter, food, clothes, transport and the other needs that make life bearable.

How many of you have enough left over at the end of the month to be able to help your aged parents with their needs?

How many of you have packets of instant mee in your pantry not for a rainy day but for your daily consumption?

How many of you live from month to month if not from week to week?

Owning a car is a dream, a house is an impossibility!

This is why our country is in flux. Our young want answers to the situation they are in.

Even at that age they know that race will define their education and their future.

For those already in the workforce it is a frantic rat race that promises nothing but more pain and no gain – pain because you realise that things will not improve for you in the foreseeable future and your government has left you to your own devices to survive.

No gain because opportunities for job or financial advancement are simply not there.

For the aged there is no hope if you do not have the financial resources to pay for your retirement and your medical needs.

For the vast majority of us the future is grim.

Warped Umno

Everyday brings more despair, not hope, as this BN government lurches from one day to the next fearing political death at every turn for the leaders know that they are past their “use by” date.

What they do in government today is what it thinks they need to do to get the electorate to vote for them in the 13th general election.

But the pity of it all is that Umno leaders have a warped sense of what they think they need to do to stay in government and we have been privy to what they have been doing in the lead-up to the 13th general election to see this for ourselves.

We are asked to be thrifty and yet this BN government gives away money in the billions to buy votes from the poor, the underprivileged, the aged, taxi drivers – anybody that they think can be bought!

To add insult to injury they do so with OUR money.

This BN government talks about reform and transformation initiatives that our country need and that is all they do – talk about it.

They talk about it in earnest, hoping that their bluster will somehow make us believe the rhetoric they spew of empty promises and deeds promised but not done.

We talk about the promises in despair while waiting for them to happen – but despair with a resolve that our leaders will be taken to account for promises made but not fulfilled.

In the end it will be about the numbers Pakatan Rakyat and the BN have going into the 13th general election.

For now, I think common sense has the numbers.

You tell me who will vote for Pakatan and who will vote for BN?

Who will vote for hope and who will vote to remain in the time wrap of grim impossibilities that we now find ourselves in? You decide!

 

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9 Comments »

  1. To our neighbours Malays under UMNO dominated BN is nothing but just 1FunnyMalaysia.

    Comment by Zakaria — July 17, 2012 @ 10:07 PM | Reply

    • Malaysia….

      Comment by Zakaria — July 17, 2012 @ 10:08 PM | Reply

  2. You see lah what happen when BN Dr Mamak forcing us to buy Proton under the extortionate NAP policy

    Instead of giving us of car market with quality cars at open competitive price, BN forcing the rakyat with crap quality national cars with delusional ambition to become global car player

    Most of young graduates’ bulk of income wasted to pay overpriced junk quality cars leaving nothing to buy the next most important damn thing to own – a house.

    What Proton contribute to us so far? Forget the crony auto parts vendors suppliers lah.

    When AFTA’s zero car import duties policy finally enforced to all ASEAN members, what BN did basically shift the reduced import duties back in form of 75% excise duties and 10% car sales tax into local car price which explain why car prices here remain high and Proton protected yet again

    Again Dr Mamak telling us to keep buying Proton as national welfare gesture or Amal Jariah derma to Proton!

    How about car quality? Minimum car safety equipments? Still the same junk!

    Worst of all most Malaysians have to endure 9-year loan just to own piece of junk car devoid of choice when RM45K of Proton Saga in fair open market equals to a Toyota Vios(but priced RM75K)!

    That is the difference of RM30K wasted to protect Proton which otherwise enough as downpayment to buy a terrace house or a flat at least.

    Your hard-earned money RM30K simply gone into thin air? Go figure! Pangkat X correctly soon OK!!!
    _____________________

    Our cars are costing us our homes
    Food for thought
    By DATUK ALAN TONG, The Star, Saturday July 14, 2012

    http://biz.thestar.com.my/news/story.asp?file=/2012/7/14/business/11647266&sec=business

    Our cars are costing us our homes
    Car and home costs relative to fresh gradautes’ salary

    WHEN I first started my job as an architect in the 1960s, I was on a three-year contract with a monthly salary of RM628. I bought my first car, a Peugeot which cost RM7,724, equivalent to approximately one year of my salary. The car became my reliable companion for 14 years. Those were the good old days, when a car could be bought with just one year of a fresh graduate’s salary.

    Circumstances have since changed. Today, for a fresh graduate to own a car in Malaysia, it will easily cost him four years of his salary to purchase a foreign car, and even a local car costs around two years of his salary. If we take into consideration his living expenses and other commitments, it may take him even longer to settle his car loan. Hence, it has left him with very little option but to take the maximum car loan financing tenure of nine years.

    In the table illustration below, a fresh graduate in the Washington D.C. earning about RM11,000 (about US$3,500) per month can easily buy a Japanese Honda Civic or Toyota Corolla worth RM50,000 as it is only 0.4 times of his yearly salary.

    On the other hand, a fresh graduate in Malaysia earning about RM2,500 per month needs to pay RM120,000 if he would like to buy the same type of car. It costs him four times his gross yearly salary. This ratio is 10 times higher than his US counterpart.

    For youths in Malaysia, buying a car is more expensive both in real terms, and in terms of debt-to-income ratio. In reality, it means they have to either purchase a car with lower price tag or commit to a longer term loan to own a car, which cost them the opportunity of owning a home.

    This situation requires our youth to choose between buying a car or a house first, and many have committed to own a car first, considering our public transportation system is still in the process of being improved.

    Many fresh graduates in Malaysia who start to serve their car loan tend to delay their plan of purchasing a home.

    Unfortunately by the time they can afford to purchase a home, be it three, five or nine years later, the price of a property would have escalated due to among other things, inflation, higher construction cost and higher land prices.

    While it may be safe to say that their salary would also increase, generally speaking the increment may not aligned to the rate of inflation. In most cases, owning a home will be a huge debt lasting 30 to 40 years of housing loan repayment.

    What can be done differently to change the circumstances? Is there a better way for them to financially plan their future? These are questions that Malaysian youths ought to consider before purchasing any big-ticket items.

    Let’s look at the table again. It also lists the median price for three-bedroom apartments in the suburbs of these cities. The median price of an apartment in the Klang Valley is around RM300,000, equivalent to 10-year gross income of our fresh graduates. The affordability level is more favourable compared to other Asian countries, such as Indonesia and Thailand. The prices of same size apartments in Jakarta and Bangkok range from RM350,000 to RM400,000, and costing their fresh graduates 13 to 18 years of gross yearly income to purchase a house.

    Therefore, when it comes to the question of home affordability in Malaysia, we are blessed compared to our regional peers.

    However, there are many factors that contribute to the challenge for our youths to own a house. Two primary factors are the additional financial commitment of purchasing a car, and the relatively lower income level in our country compared to our Western counterparts.

    When fresh graduates spend a substantial amount of their salary paying for a car, they are left with little savings to own a house, and their house affordability level decreases over the years as prices rise due to inflation.

    Clearly the income level of our graduates has to rise, to enable better quality of living and higher affordability level, which is the current government’s focus to make Malaysia a high income nation by 2020.

    Perhaps it is also time to re-look at our national car policy and how it has affected the house affordability level in Malaysia. From the numbers above, it is clear that our cars are costing us our homes.

    > FIABCI Asia Pacific chairman Datuk Alan Tong has over 50 years of experience in property development. He was FIABCI World president in 2005/06 and was named Property Man of The Year 2010. He is also the group chairman of Bukit Kiara Properties. (email at feedback @bukitkiara .com)
    _________________

    List of Proton problems complaints from Aduan Rakyat:

    http://www.aduanrakyat.com.my/category/kenderaan

    http://www.aduanrakyat.com.my/proton-persona-baru-mengalami-masalah-ecu-box

    http://www.aduanrakyat.com.my/kerosakan-serius-pada-proton-persona

    http://www.aduanrakyat.com.my/proton-saga-flx-enjin-mati-secara-mengejut

    http://www.aduanrakyat.com.my/kerosakan-enjin-cvt-saga-flx

    http://www.aduanrakyat.com.my/masalah-enjin-campro-proton-saga-blm

    http://www.aduanrakyat.com.my/masalah-enjin-kereta-proton-saga-blm-mula-rosak-setelah-dua-bulan

    Kerosakan serius pada Proton Persona
    January 16th, 2012 |

    http://www.aduanrakyat.com.my/kerosakan-serius-pada-proton-persona

    Di sini saya ingin melahirkan rasa tidak puas hati yang amat-amat sangat kepada Proton dan seluruh pihak yang berkenaan. Untuk pengetahuan, saya baru sahaja membeli Proton Persona H-Line (full spec) tapi setelah saya membeli kenderaan tersebut, hanya beberapa kali sahaja dapat digunakan.

    1700 km : Kerosakan pertama telah berlaku dimana kenderaan telah mengeluarkan pelbagai bunyian serta keroasakan pada brek dan penjimatan minyak. Hasilnya, terpaksa tinggal beberapa hari dengan penyelesaian yang diberikan kononnya kereta lain pun mengalami masalah yang sama. Juga telah ditipu oleh Pusat Servis Mutiara Damansara (3S center kononya yang perkhidmatan macam hampas) kononnya telah menukar dashboard tapi sebenarnya tidak.

    3400 km : Kerosakan sama berulang kembali dan sekali lagi menghantar ke Pusat Servis Mutiara Damansara (3S center kononnya). dapat kembali kereta dengan masalah lain pula yang timbul dan ruang dalaman kenderaan bercalar teruk.

    8100 km : Kerosakan sama berulang kembali beserta dengan kerosakan baru lagi yang muncul dan tidak dibaiki tetapi ditipu kononnya dibaiki.

    10000 km : Hantar lagi ke Pusat Servis Mutiara Damansara untuk tukar dashboard serta barang yang bercalar beserta dengan timbul juga masalah baru.

    Boleh dikatakan sepanjang proses menghantar ke pusat servis mutiara damansara, perkhidmatan cukup-cukup mengecewakan dan masing-masing seolah melepas tangan. Tidak lag masuk terpaksa tinggal kereta sehingga kadang-kadang 4 hari untuk baiki.

    Berikutan daripada masalah ini, saya telah membuat laporan kepada banyak pihak dan masing-masing lepas tangan. Telah menelefon kononnya Branch Manager Mutiara Damansara tapi tinggal harapan palsu kerana mereka ini takkan panggil balik customer. kalau saya call pun untuk beberapa kali tiada jawapan.

    Saya juga telah membuat aduan kepada pihak-pihak yang berkenaan yang kononnnya membela pengguna pun sama juga tidak melayan.

    Antaranya saya telah membuat aduan kepada NCC, jawapan yang diberikan asyik sedang memproses aduan tanpa ada apa-apa jawapan daripada mereka selepas itu.

    Juga telah membuat aduan kepada KPDNKK juga cukup mengecewakan kerana katanya hanya boleh menerima aduan tapi tidak boleh mengambil apa-apa tindakan.

    Yang paling mengecewakan ialah merujuk kepada Tribunal Pengguna dan jawapan yang diberikan tidak dapat menolong kerana nilai harga kenderaan itu sendiri. Saya cuba meminta nasihat daripada mereka namun jawapan yang diberikan adalah sama ditambah lagi “kalau encik nak ambil tindakan pergilah cari peguam, masuk mahkamah”.

    Sekarang saya tidak tahu lagi kemana harus untuk mengadu seolah-olah pengguna tiada kuasa langsung. Dimana hak kami? Cuba bayangkan lah, saya terpaksa bayar bulanan untuk benda yang saya tidak guna. Dimanakah Proton yang cakap berapi kononnya nak berikan perkhidmatan yang terbaik? Kerana kereta sayan yang bermasalah, terus aduan saya tidak dilayan dan dibakul sampahkan.

    Comment by Teddy Gumbang — July 17, 2012 @ 4:31 PM | Reply

  3. This is what happen when BN Dr Mamak forcing us to buy Proton under the extortionate NAP policy

    Instead of giving us of car market with quality cars at open competitive price, BN forcing the rakyat with crap quality national cars with delusional ambition to become global car player

    Most of young graduates’ bulk of income wasted to pay overpriced junk quality cars leaving nothing to buy the next most important damn thing to own – a house.

    What Proton contribute to us so far? Forget the crony auto parts vendors suppliers lah.

    When AFTA’s zero car import duties policy finally enforced to all ASEAN members, what BN did basically shift the reduced import duties back in form of 75% excise duties and 10% car sales tax into local car price which explain why car prices here remain high and Proton protected yet again

    Again Dr Mamak telling us to keep buying Proton as national welfare gesture or Amal Jariah derma to Proton!

    How about car quality? Minimum car safety equipments? Still the same junk!

    Worst of all most Malaysians have to endure 9-year loan just to own piece of junk car devoid of choice when RM45K of Proton Saga in fair open market equals to a Toyota Vios(but priced RM75K)!

    That is the difference of RM30K wasted to protect Proton which otherwise enough as downpayment to buy a terrace house or a flat at least.

    Your hard-earned money RM30K simply gone into thin air? Go figure! Pangkat X correctly soon OK!!!
    _____________________

    Our cars are costing us our homes
    Food for thought
    By DATUK ALAN TONG, The Star, Saturday July 14, 2012

    http://biz.thestar.com.my/news/story.asp?file=/2012/7/14/business/11647266&sec=business

    Our cars are costing us our homes
    Car and home costs relative to fresh gradautes’ salary

    WHEN I first started my job as an architect in the 1960s, I was on a three-year contract with a monthly salary of RM628. I bought my first car, a Peugeot which cost RM7,724, equivalent to approximately one year of my salary. The car became my reliable companion for 14 years. Those were the good old days, when a car could be bought with just one year of a fresh graduate’s salary.

    Circumstances have since changed. Today, for a fresh graduate to own a car in Malaysia, it will easily cost him four years of his salary to purchase a foreign car, and even a local car costs around two years of his salary. If we take into consideration his living expenses and other commitments, it may take him even longer to settle his car loan. Hence, it has left him with very little option but to take the maximum car loan financing tenure of nine years.

    In the table illustration below, a fresh graduate in the Washington D.C. earning about RM11,000 (about US$3,500) per month can easily buy a Japanese Honda Civic or Toyota Corolla worth RM50,000 as it is only 0.4 times of his yearly salary.

    On the other hand, a fresh graduate in Malaysia earning about RM2,500 per month needs to pay RM120,000 if he would like to buy the same type of car. It costs him four times his gross yearly salary. This ratio is 10 times higher than his US counterpart.

    For youths in Malaysia, buying a car is more expensive both in real terms, and in terms of debt-to-income ratio. In reality, it means they have to either purchase a car with lower price tag or commit to a longer term loan to own a car, which cost them the opportunity of owning a home.

    This situation requires our youth to choose between buying a car or a house first, and many have committed to own a car first, considering our public transportation system is still in the process of being improved.

    Many fresh graduates in Malaysia who start to serve their car loan tend to delay their plan of purchasing a home.

    Unfortunately by the time they can afford to purchase a home, be it three, five or nine years later, the price of a property would have escalated due to among other things, inflation, higher construction cost and higher land prices.

    While it may be safe to say that their salary would also increase, generally speaking the increment may not aligned to the rate of inflation. In most cases, owning a home will be a huge debt lasting 30 to 40 years of housing loan repayment.

    What can be done differently to change the circumstances? Is there a better way for them to financially plan their future? These are questions that Malaysian youths ought to consider before purchasing any big-ticket items.

    Let’s look at the table again. It also lists the median price for three-bedroom apartments in the suburbs of these cities. The median price of an apartment in the Klang Valley is around RM300,000, equivalent to 10-year gross income of our fresh graduates. The affordability level is more favourable compared to other Asian countries, such as Indonesia and Thailand. The prices of same size apartments in Jakarta and Bangkok range from RM350,000 to RM400,000, and costing their fresh graduates 13 to 18 years of gross yearly income to purchase a house.

    Therefore, when it comes to the question of home affordability in Malaysia, we are blessed compared to our regional peers.

    However, there are many factors that contribute to the challenge for our youths to own a house. Two primary factors are the additional financial commitment of purchasing a car, and the relatively lower income level in our country compared to our Western counterparts.

    When fresh graduates spend a substantial amount of their salary paying for a car, they are left with little savings to own a house, and their house affordability level decreases over the years as prices rise due to inflation.

    Clearly the income level of our graduates has to rise, to enable better quality of living and higher affordability level, which is the current government’s focus to make Malaysia a high income nation by 2020.

    Perhaps it is also time to re-look at our national car policy and how it has affected the house affordability level in Malaysia. From the numbers above, it is clear that our cars are costing us our homes.

    > FIABCI Asia Pacific chairman Datuk Alan Tong has over 50 years of experience in property development. He was FIABCI World president in 2005/06 and was named Property Man of The Year 2010. He is also the group chairman of Bukit Kiara Properties. (email at feedback @bukitkiara .com)

    Comment by Teddy Gumbang — July 17, 2012 @ 11:30 AM | Reply

  4. THE WAY WE ARE? 1942 – 2012 STILL A COLONY!
    RACISM IS THE CORNERSTONE RATIONALIZATION FOR CREATION OF MALAYSIA….

    Racism is the corner stone for Malayan UMNO colonization of Sabah and Sarawak. One of the political pillars justifying Malayan reasons for foisting the Malaysia idea on us was that we with Sabah were to act a counter balance against the numerous Chinese of Singapore so the Malays in Malaya were not outnumbered. The rationalization for creating Malaysia is therefore based on racism and illogical. Unfortunately,

    UMNO has furrther developed this bankrupt idea. Racism became institutionalized after Najib’s father Razak engineered the May 13 1969 Massacre and imposed their NEP policies of racial discrimination.

    But this policy had failed dismally as the Malays themselves have remained the majority poor after 54 years of UMNO rule in Malaya.

    While we talk abut elections and how to get rid of UMNO we miss the big picture that we have remained a colony from 1942 to 2012. Let us remind ourselves that we were an independent country from1841 to 1941.

    Yes we should talk about getting rid of UMNO in the context of regaining our independence!

    The comments below is on a micro section of China- a fusion society of 54 nationalities. The little village of 2,000 Huaxi Jiangsu (just outside Shanghai) could be an example of where we have failed so dismally because of racism and the disunity is created (by UMNO official policy).

    A comment from Wikisabah News: http://wikisabah.blogspot.com.au/2012/07/sabah-harus-bangkit-berubah-dan-maju.html

    “VILLAGE BELACAN TECHNOLOGY vs. VILLAGE INDUSTRIALISATION

    HOW TO ACHIEVE DEVELOPMENT WITH SUSTAINABILITY & SHARING THE WEALTH?

    Agree that education is vital for us to progress- but what sort of education?

    Our Sabah or Sarawak fishing village technology has not developed further than processing belacan. China has put man and woman in space.

    We need to understand the methodology of how to make advances both socially and economically. This can only be firstly resolved by a political change to a more equitable system to replace the feudal capitalist system we have.

    These are links to independent foreign news reports and video clips on how socio economic development in a village in China becomes a world wide eye opener.

    We need to put aside our prejudices explore new horizons.

    We need to honestly ask ourselves how is it possible for 2000 villagers to build a multi-million dollar skyscraper and provide housing food and clothing for all their members in just 30 odd years (20 years shorter than independence in Malaysia)?

    Foreign reports on the miracle of Hauxi Village- Income= $US6 Billion
    en.wikipedia.org/wiki/Huaxi_Village:

    “Huaxi Village is known as the “No.1 village under the sky”. It was founded in 1961.[2] All the inhabitants have a wealth of at least one hundred thousand Euros or more, according to the local authorities. This is a substantial amount by Chinese standards. The village has a multi-sector industry company that is listed on the stock exchange, has bought airplanes and plans to buy ships. The villagers are shareholders and are paid one fifth of the company’s annual profits. In 2011 the company’s turnover is expected to grow by about 6.5 billion Euros.

    In addition to two thousand villagers, there also live in the area about 20 000 migrant workers and 30 000 nearby villagers. “My father was wealthy. Now I want that the villagers will also be that and healthy and happy,” says the village chief, Wu Xiéen. His father, a former village chief, Wu Renbao once invested money in raw materials such as aluminum.[3]

    A new landmark skyscraper in Huaxi Village[4], the 328-meter Longxi International Hotel was opened when the village celebrated its 50th anniversary.”

    VIDEO CLIPs (follow the links from there)

    China’s ‘richest village’, Huaxi has its own 7 Wonders of the World

    http://www.terminalu.com/asia/chinas-richest-village-huaxi-has-its-own-7-wonders-of-the-world/17641/

    http://www.odditycentral.com/pics/chinas-richest-village-is-a-tribute-to-knockoffs.html

    http://www.guardian.co.uk/world/2011/oct/06/huaxi-village-tower-china

    HUAXI VILLAGE HAS HAD CONTINUOUS WORLD WIDE COVERAGE FOR THE MIRACLE IT IS.

    Sabah is not anywhere near to achieving what 2000 villages have in 30 years.

    We had nearly 50 years in Malaysia under UMNO colonial rule and we got nowhere except having the undesirable distinction of being the poorest State under UMNO rule.

    We have nothing to lose brothers and sisters. We already lost 50 GOOD years of wasting time in Malaysia under FOREIGN Malayan rule? Why ask for more?

    We can only change our destiny by taking Sabah out of Malaysia!

    ————————————————————————————————————————————————————————

    Replace “Sabah” with “Sarawak” and we get exactly the same picture

    Comment by anon — July 17, 2012 @ 10:44 AM | Reply

  5. CORRUPTIONS, CORRUPTIONS AND UNENDING CORRUPTIONS ! That is why Malaysia is the way it is .

    Comment by Ahmad Madon — July 17, 2012 @ 7:45 AM | Reply

    • WE CAN END IT PARTIALLY BY ENDING UMNO’S TERM IN OFFICE- AFTER THAT WE HAVE TO WORK ON THE HARDER PART OF CLEANING UP THE MESS THEY LEFT BEHIND!

      Comment by anon — July 17, 2012 @ 1:58 PM | Reply

  6. The irony here is how can Malaysia afford to take in millions of illegal immigrants, just to get their votes, in return for the hardships suffered by the locals? If BN has got common sense, the first step to remedial the problem is to deport all unwanted settlers and take care of the local who are poor or deprived of basic necessities. After all, charities start at home, unless BN’s agenda is grossly skewed!!

    Comment by Egbert Lau — July 17, 2012 @ 4:44 AM | Reply


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