Dilema penjawat awam nak bercuti ke luar negara

bittermelon

Sebelum keluar rumah tu,solat sunat musafir..Doa byk2 Allah permudahkan urusan kita.InsyaAllah doa org musafir ni mustajab

nissangetz

Sebagai peringatan :

KUALA LUMPUR, Sept 15 — As the cost of living continues to rise and salaries struggle to catch up, Malaysia’s middle class may be shrinking with some hanging on by a thread and others even falling off into poverty.                                                           

        Although there has been a steady but painfully small incremental rise in household income in Malaysia, economists and academics say the term “middle class” does not have the same meaning it had more than 10 years ago.        With salaries unable to match inflation, being middle class no longer means as comfortable a living as compared to 20 years ago.        While disposable income or savings is a good indicator of how many people “live comfortably” or fall within the middle class category, both Bank Negara and the Statistics Department said they do not keep track of such data.        

Salaries and household income       

 Out of almost 7.8 million working Malaysians, the median salary for 2012 and 2011 was stagnant at RM1,500. In 2010, it was slightly less at RM1,480.                                            
                           

        The median household income was RM3,626.        In comparison, median household income for the top 20 per cent is at RM9,796, the middle 40 per cent RM4,372 and the bottom 40 per cent is at RM1,852.         

Over the weekend, Minister in the Prime Minister’s Department Datuk Seri Abdul Wahid Omar was quoted by state news agency Bernama as saying the preliminary report on the latest Household Income Survey showed the median stood at RM4,258, this year.                    

Who are the middle class?    

   Institute for Democracy and Economic Affairs chief executive officer Wan Saiful Wan Jan said the middle class should consist of the middle 40 per cent with monthly incomes of at least RM3,000 all the way up to the top 20 per cent of incomes, which has a median of about RM9,800 for 2012. Based on the household income data for 2012, less than 51.8 per cent of Malaysian households belong in that category.       

 But does a household income of RM3,000 a month really put a family of four among the middle class?        


Universiti Sains Malaysia (USM) associate professor in economics Dr Lean Hooi Hooi said the middle class should be defined as individuals or households with RM4,000 to RM20,000 of disposable income every month.        

“I think over the past five years, the inflation rate has been very high even though officially it was only at two to three per cent. We all feel the pain.        “Just go to the hawkers… for noodles or rice, prices go up 10 per cent every year,” she said in a phone interview recently.        

Sunway University Economics and Management Department head Dr Wong Koi Nyen, on the other hand, defined the middle class as semi-professionals and young professionals, based on their earning range per month of about RM5,000 and RM10,000 for families.        According to figures from the Statistics Department, RM5,000 is actually more than three times the median salary, and the household income of RM10,000 is almost three times the median household income.

        The 9.7 per cent of households in the highest income bracket of RM10,000 per month and above made up 31.5 per cent of overall household income recorded in the country.        In comparison, 17.6 per cent of household incomes, earning between RM1,000 and RM1,999, contributed to only 5.4 per cent of total household income, even though they formed the single largest group.        

For the semi-professionals and young professionals, Wong said their main source of income is solely from their salaries as most do not have assets.        “Due to the lifestyle of KL, I don’t think they can make ends meet because the main bulk of their expenses go to car installments.        

“I believe they have more than one credit card, which are liabilities, and if they have a family then they have to commit to their children’s education, health insurance and if they can afford, maybe an apartment,” he said.        

He added that even earning within that range, they may be considered middle class but they will still struggle financially, with no savings at the end of the month.        He pointed out that based on statistics from Bank Negara, household debt grew close to 13 per cent annually from 2003 to 2013 but Malaysians’ income only grew about five per cent on average.        

“So you can see that the growth in income cannot catch up to the growth of household debt,” he said adding that the four main liabilities for most Malaysians are home loans, car loans, credit card debts and personal loans.        Earning RM10,000        USM’s Lean said RM10,000 in an urban setting such as the Klang Valley and Penang would only provide a “standard living”, and not a luxurious one.        

She said an example of a typical family with four children’s expenses include: -      

House loan: RM3,000     
Car loan: RM1,000        
Four children: RM2,000 (RM500 each)      
Utilities: RM500-RM1,000        
Insurance: RM1,000        
Transportation: RM1,000      
Food: RM1,500-RM2,000        
Total = RM10,000 to RM11,000      
“Your RM10,000 is not enough to cover, definitely not entertainment, or even holidays in Malaysia.        

“Gone are the days when anyone earning RM10,000 was considered rich,” she said. Middle class group in the past  Dr Lim Teck Ghee, Centre for Policy Initiatives CEO, said rising incomes and relatively low cost of living enabled the middle class to grow in the past.        

This is no longer the general rule with urban housing especially out of reach for many on lower incomes, he added.        

Wong echoed the same sentiments and said the middle class group were much better off 10 years ago and beyond that.      

  Back then, most unmarried individuals stayed with their parents, saving on rent at a time when the cost of living was lower, he said.        

“Due to the high cost of living, being middle class today doesn’t mean anything.

“It meant something 10 years ago, 20 years ago especially after the economy has been transformed from Third World to developing, we can tell because there were fewer people living in poverty in the 70s, 80s.        

“But now it doesn’t mean anything,” he said. Keep up or risk falling into poverty Lim said the prospects of upward mobility “look dismal” for many in the middle class especially those self employed or in the informal sector.

“As the government’s record on both affordable housing and quality education has been abysmal and unlikely to improve, the middle class has to gear up for harder times ahead especially when the subsidies on essential goods, petrol, electricity and other items of everyday consumption are reduced or withdrawn,” he warned.

nissangetz

Jangan menambah hutang......jgn berhutang jika nak melancong...

Peringatan utk kita semua

bittermelon

nissangetz posted on 16-9-2014 08:53 PM
Jangan menambah hutang......jgn berhutang jika nak melancong...

Peringatan utk kita semua

Alhamdulillah tak pernah pulak berhutang sebab nak melancong..duit travel tu kumpul sikit2.tiket flight pon beli yang promo je.mampu naik AA je

nissangetz

bittermelon posted on 18-9-2014 09:23 AM
Alhamdulillah tak pernah pulak berhutang sebab nak melancong..duit travel tu kumpul sikit2.tiket f ...

baguslah kalau macam tu,
kalau boleh kereta dan alat perabot n kelengkapan di rumah
tu jgn lah juga berhutang.....

peringatan sekadar mengingatkan...

civicvtech2.0

nissangetz posted on 18-9-2014 10:10 AM
baguslah kalau macam tu,
kalau boleh kereta dan alat perabot n kelengkapan di rumah
tu jgn lah j ...

rasanya kereta atau rumah tu terpaksa lah juga berhutang, nak kumpul RM150k beli keta cash, RM350k cash beli rumah, tak dapat lah kot kumpul 2-3tahun je..
setakat perabot rumah brg letrik tu boleh lah gagah lagi beli cash so far.

bittermelon

nissangetz posted on 18-9-2014 10:10 AM
baguslah kalau macam tu,
kalau boleh kereta dan alat perabot n kelengkapan di rumah
tu jgn lah j ...

Ada ke org beli kereta cash?

Peterpan17

bittermelon posted on 21-9-2014 11:07 PM
Ada ke org beli kereta cash?

Org kaya beli rumah/keta pun kena berhutang. Klu tak mampus dikejar income tax /LHDN.

nissangetz

bittermelon posted on 21-9-2014 11:07 PM
Ada ke org beli kereta cash?

ada..mana plak takde....

nissangetz

Peterpan17 posted on 21-9-2014 11:20 PM
Org kaya beli rumah/keta pun kena berhutang. Klu tak mampus dikejar income tax /LHDN.

apasl plak income tax nak kejar ?

kalau kena kejar pn ni gara2  tak isytihar income secara telus.

klau u jujur apa u takut......

boleh jimat wang interest

Peterpan17

nissangetz posted on 25-9-2014 01:43 PM
apasl plak income tax nak kejar ?

kalau kena kejar pn ni gara2  tak isytihar income secara tel ...

Takde org kaya nak beli rumah cash RM1juta Even business man berjaya pun beli rumah/kereta mewah ada loan.

Klu ko expect rakyat biasa mcm kami beli rumah cash RMRM100-RM200 ribu cash something wrong somewhere with you.

midori888

Peterpan17 posted on 25-9-2014 01:59 PM
Takde org kaya nak beli rumah cash RM1juta Even business man berjaya pun beli rumah/kereta mewah a ...

ada peter, tapi jarang2 kita dgr.....kawan aku ada beli umah, yg kalu convert RM dlm RM1.5 juta...tapi dia bukan rakyat m'sia, umah pun bukan kat m'sia...tapi dia takperlah, earn in GBP, kerja kat M'sia.....keta dia pun beli cash jer...RM250k....dia mmg jenis tak suka nak loan2 nie....

ada kawan lain, beli umah kat m'sia dlm 2 Mil, income lebih kurang sama kawan satu lagi, tapi dia amik loan umah 10 tahun...

Bagi aku kalu kita beli umah harga 200k above cash, mcm tak wise jer....baik duit cash tu kita invest, pastu dividen dia, kita guna tuk byr loan umah, takde lah terasa sgt kuar duit 200k, cara nie we can still keep the 200k, and on top of that dpt umah lagi...money generate money kan....

Peterpan17

midori888 posted on 25-9-2014 02:24 PM
ada peter, tapi jarang2 kita dgr.....kawan aku ada beli umah, yg kalu convert RM dlm RM1.5 juta. ...

Bukan takde. Ada tp berapa kerat kat Msia rakyat mcm kita ni mampu beli rumah cash RM200 ribu??

Kat luar negara mcm di NZ depa pun beli rmh cash dgn harga NZD50 ribu ke NZD100 ribu. Aku pernah jumpa. Yg skrg ni mamat ni cerita seolah olah kita semua elok beli rumah cash. Tak faham apa masalah dia ni. Seolah olah kita ni yg berjalan ke sana sini mcm takde concern psl duit utk beli rumah dan keta.

Anyway, klu aku ada RM200 cash, aku pun akan buat pusingan utk gandakan duit. Aku tak beli rumah cash dgn duit tu.

midori888

Peterpan17 posted on 25-9-2014 02:46 PM
Bukan takde. Ada tp berapa kerat kat Msia rakyat mcm kita ni mampu beli rumah cash RM200 ribu??
...

aku pun sama tak faham masalah dia, byk thread dia post benda yg sama....selagi tak beli keta cash, umah cash tak bole travel gitu....its our money, up to us to decide lah....kalu dia takmo travel selagi tak beli umah cash, hey...that's nothing to do with us....takyah lah suh org semua ikut mcm dia...

aku pun kalu ada duit beli umah cash, takkan beli cash....baik guna duit tu tuk generate more money....

Peterpan17

midori888 posted on 25-9-2014 03:02 PM
aku pun sama tak faham masalah dia, byk thread dia post benda yg sama....selagi tak beli keta ca ...

Klu pun ada org dlm forum ni berhutang nak berjalan, hey!! not my problem, not my concern. Your life, your decision. They are all adult. Pandai pandailah korang nak atur hidup.

midori888

Peterpan17 posted on 25-9-2014 03:06 PM
Klu pun ada org dlm forum ni berhutang nak berjalan, hey!! not my problem, not my concern. Your li ...

haha....betul tu.....none of our business lah....

transporter

Peterpan17 posted on 25-9-2014 01:59 PM
Takde org kaya nak beli rumah cash RM1juta Even business man berjaya pun beli rumah/kereta mewah a ...

Peter, Klang valley mana ada rumah RMRM100-RM200 ribu. RM450k you.
For me, rumah abis bayar, kete abis bayar, umrah & haji dah lepas.
Umur bertambah banyak, let's go vacation.

Peterpan17

transporter posted on 26-9-2014 10:09 AM
Peter, Klang valley mana ada rumah RMRM100-RM200 ribu. RM450k you.
For me, rumah abis bayar, kete ...

Tulah pasal bang. Sapa nak bayar cash RM450k tu. Jgn kata bayar cash, nak beli rmh harga tu pun rasanya ramai yg tak mampu

Saya pun sama bang, rumah dan keta dah abis bayar, Umrah dah 3x. Holiday sana sini. Tinggal tunggu panggilan haji. Duit dah ada cukup dlm tabung haji tp blm rezeki kena panggil lg.

Bulan depan gi jalan ke New Zealand. Bulan Feb 2015 gi Europe lak.

suka2

nissangetz posted on 16-9-2014 08:53 PM
Jangan menambah hutang......jgn berhutang jika nak melancong...

Peringatan utk kita semua

aku tgk orang2 kelilinag aku yang kaki travel. masing2 pun jenis berduit gaji beribu riban sebulan. jenis lepas tolak semua hutang bulanan, tolak savings ada lagi balance 2-3 ribu.  ada jugak yang tak la gaji mewah beribu riban. tapi jenis rajin buat bisnes part time. pandai pilih vacation yang berbaloi. jadi aku tak nampak pun diorg ni bakal merana hujung bulan.

suka2

midori888 posted on 25-9-2014 03:02 PM
aku pun sama tak faham masalah dia, byk thread dia post benda yg sama....selagi tak beli keta ca ...

i ada kawan macam tu. lepas habis hutang ptptn baru beli kereta. haritu jumpa kawan tu kat kenduri doa selamat kawan nak pergi haji. she said tunggu hutang kereta habis dulu la baru gamaknya boleh nak pergi haji. memang la afdol gi haji dalam keadaan merdeka dari hutang tapi biarlah konsepnya berpada2. bila kawan2 lain ada upload pic holidays diorang, mesti dia akan reply like : nak kesana memang takkan merasa la. sib baik boleh tgk gamba. speechless dengan org mcm ni.