|
|
Sebagai peringatan utk kita semua....
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. |
|
|
|
|
|
|
|
|
|
|
|
midori888 posted on 15-9-2014 09:25 AM 
aku tak ingat brapa lama train to Hamburg tu....since dlisa kata 1-2 jam....bole lah ko gi sana. ...
aaaa.. i pun akan ke Hamburg, mmg nak pi miniature wunderland tu
also harbour tour...
|
|
|
|
|
|
|
|
|
|
|
|
lipsofanangel posted on 17-9-2014 12:54 PM
aaaa.. i pun akan ke Hamburg, mmg nak pi miniature wunderland tu
also harbour tour...
miniature wonderland is a must tau kalu gi Hamburg....
btw selain dari harbour tu, ada canal tour jugak kat sana.....someone told me the canal tour is better....why dont u just do both? hehe....
|
|
|
|
|
|
|
|
|
|
|
|
dlisa posted on 17-9-2014 09:11 PM 
jalan2 dlm Tiergarten akan tembus ke sini.. Victory Column or locally known as Chick on A Stick ...
my trip dulu i naik beskal lam tiergarten.....dlm tu ada small restaurant.... |
|
|
|
|
|
|
|
|
|
|
|
dlisa posted on 17-9-2014 09:11 PM
jalan2 dlm Tiergarten akan tembus ke sini.. Victory Column or locally known as Chick on A Stick ...
errk!! apa kebenda ni? |
|
|
|
|
|
|
|
|
|
|
|
hai korang..salam sejahtera semua...hehehe
aku plan nk gi Europe dr thn lps smp laa thn ni...aku harap thn ni laa menjadi...aku nak try gi sana 3 bln...
tempat2yg aku nak pegi adalah :
Germany
Netherlands
London
France
Spain
Italy
Greece
Norway
Austria
swiss
Czech rep
sesiapa yg dh pernah pegi tmpat2 yg aku listkan tu...boleh tak sesiapa buatkan itinerary utk aku pegi sana...
transport..makanan...tmpt tggal...atau apa2 shj...
sekian...thanks in advance...hehehe
Last edited by kirei_wa on 18-9-2014 11:21 AM
|
|
|
|
|
|
|
|
|
|
|
|
lipsofanangel posted on 18-9-2014 01:06 PM
yer...tgh survey2 la ni... plan pun nak buat both
http://www.hamburg-travel.com/search-book/ti ...
hehe....enjoy your trip nanti..... |
|
|
|
|
|
|
|
|
|
|
|
kirei_wa posted on 18-9-2014 11:12 AM
hai korang..salam sejahtera semua...hehehe
aku plan nk gi Europe dr thn lps smp laa thn ni...aku ...
wah 3 bulan....lamanyer....best nyer....but travel nie, lain org lain yg diorg nak explore dan tgk....u have to decide sendiri..... |
|
|
|
|
|
|
|
|
|
|
|
midori888 posted on 18-9-2014 02:32 PM
wah 3 bulan....lamanyer....best nyer....but travel nie, lain org lain yg diorg nak explore dan t ...
sbb I sndiri pun tak tahu tmpat mana ygcntik dan bersejarah...org2 di dlm ni kan..sudah ada pengalaman...jd I nak korang suggest tmpat mana yg harus di lawati...and everything...
sbb tu mnta korang buat iti utk I..hehehe |
|
|
|
|
|
|
|
|
|
|
|
kirei_wa posted on 18-9-2014 03:07 PM
sbb I sndiri pun tak tahu tmpat mana ygcntik dan bersejarah...org2 di dlm ni kan..sudah ada pengal ...
Alah!! Ko baca thread ni & goggle apa yg patut. Dptlah itinerary ko. Cantik pada kami blm tentu cantik pd ko. |
|
|
|
|
|
|
|
|
|
|
|
I plan nak pegi alone...tttg jenayah etc semua tu..msti korang ada bande yg boleh di share kan...sbb if pegi tmpat tu..kita tak tahu save atau tak...  |
|
|
|
|
|
|
|
|
|
|
|
kirei_wa posted on 18-9-2014 03:29 PM
I plan nak pegi alone...tttg jenayah etc semua tu..msti korang ada bande yg boleh di share kan...sbb ...
First ko tanya diri ko apa yg ko suka psl Europe. Culture? Sejarah? View? Bangunan lama? Baru blh narrow down tmpt yg perlu di lawat.
Aku suka keta & aku nak visit kilang buat merz, bmw, porsche. Aku suka sejarah jd byk tmpt sejarah aku akan lawat. Aku minat Bayern Munich & sd tentu aku nak tgk stadium Alliance Arena. Jd ko kena tanya diri ko dulu br kami blh tlg. Europe tmpt yg ko sebut tu pretty safe tp dengarnya Itali, Paris agak kureng. Byk
Pick pocket. Apa2 hal pun sentiasa berwaspada |
|
|
|
|
|
|
|
|
|
|
|
Peterpan17 posted on 18-9-2014 03:22 PM
Alah!! Ko baca thread ni & goggle apa yg patut. Dptlah itinerary ko. Cantik pada kami blm tentu ca ...
aku suka ayat ko ni..
betui.. aku setuju... cantik pada ko.. syok pada ko
belum tentu syok kat aku..
itinerary kena buat sendiri dpt2 nak travel sorang,
baru la rasa familiar.. rasa syok...
list kan semua tempat yg mmg nak pegi.. then tgk masa pulak..
tgk mana attraction yg dedekat, so boleh kautim sekali.
|
|
|
|
|
|
|
|
|
|
|
|
kirei_wa posted on 18-9-2014 11:12 AM
hai korang..salam sejahtera semua...hehehe
aku plan nk gi Europe dr thn lps smp laa thn ni...aku ...
[size=14.4000005722046px]Germany
[size=14.4000005722046px]Netherlands
[size=14.4000005722046px]London
[size=14.4000005722046px]France
[size=14.4000005722046px]Spain
[size=14.4000005722046px]Italy
[size=14.4000005722046px]Greece
[size=14.4000005722046px]Norway
[size=14.4000005722046px]Austria
[size=14.4000005722046px]swiss
[size=14.4000005722046px]Czech rep
-------------
1st ko kena list down kat each country tu, tang mana ko nak pegi..
mcm germany tu tang mana? munich saja ka.. munich-berlin-hamburg ka...
pastu ko gugel la.... munich top attractions gitu.... tadaaaa... dah kluar list tu, ko select la mana yg ko rasa ko nak pegi.
pastu baru ko tanya forumer kat sini... best ke dak, berbaloi ke nak pi situ...etc
dari situ gak baru ko boleh agak2 la brapa lama ko nak stay satu2 tempat tu..
aku busy utk next week trip, kalau tak mmg aku suka sangat buat keja2 gini.. fefeling keja kat travel agency gituk 
|
|
|
|
|
|
|
|
|
|
|
|
lipsofanangel posted on 18-9-2014 04:31 PM
aku suka ayat ko ni..
betui.. aku setuju... cantik pada ko.. syok pada ko
belum tentu syok kat a ...
Aku dah pernah kena rungut dgn kwn sendiri. Dia nak gi Bandung 5 hari. So aku pun suggestlah dia gi mana2. Sudahnya dia merungut tgk gunung, tgk bekas2 gunung berapi mcm Tangkuban Perahu & Ciwidey. Dia kata lbh bagus byk masa utk soping dr tgk tu suma. Aik!! manalah aku tau. Aku bukan minat soping. Aku blh suka tgk tempat bersejarah, nature dsbnya. But soping mmg aku tak suka. Pernah aku ikut kwn gi sana, dia bawa kaum kerabat sekali. Aku boleh tertidur dlm kedai soping kat Bandung tu tunggu durang. Last2 aku blk hotel.
So benda ni sgt subjectivelah bg aku. Terpulang pd minat masing2. |
|
|
|
|
|
|
|
|
|
|
|
lipsofanangel posted on 18-9-2014 04:38 PM
Germany
Netherlands
London
Rajinnya ko. Tak kuasa aku nak mengugel segala semua negara utk org lain. |
|
|
|
|
|
|
|
|
|
|
|
Peterpan17 posted on 18-9-2014 04:44 PM
Rajinnya ko. Tak kuasa aku nak mengugel segala semua negara utk org lain.
aah....rajin giler Lips nie.....haha |
|
|
|
|
|
|
|
|
|
|
|
Peterpan17 posted on 18-9-2014 04:43 PM
Aku dah pernah kena rungut dgn kwn sendiri. Dia nak gi Bandung 5 hari. So aku pun suggestlah dia g ...
kah kah kah kah...
betul la tu... lain org lain suka nya
|
|
|
|
|
|
|
|
|
|
| |
|
Post time 16-9-2014 08:56 PM
![[KUIZ PERUBATAN MINGGUAN VOL. 7]: Mudah aje, ilmu harian! VOL.7](https://uf.cari.com.my/forumx/mforum/block/ca/cafa22106bf87ee6a0ff6b0584fea8d8.jpg)
