TAKING CARE OF RETIREMENT

As life expectancy rises and lifestyles become increasingly sophisticated in a changing world, the concept of retirement and what it entails will need to be redefined as we prepare for the 'third age'.

# currently, one in eight Malaysians are aged 50 and above, but by 2020, the figure
will be one in six.
# Malaysian are aging at a greater speed than people in other counteries.
# the global life expectancy is 68.9 years, up from 50.2 years in 1960.
# improvement in the quality of and accessibility to healthcare, better education and
awareness, improvement in sanitation and hygiene standards, a rise in food safety
and quality standards, as well as rise in environmental standards.
# people who are richer and more educated tend to live longer because they can afford
to eat better food and have better access to medical advances.
# the 'thief of buying power' is one of the biggest risks to savings.
# inflation will affect retirees badly since they will be living on their savings.
# the 'third age' has been referred to as a time in which you can seek fulfilment
and self-actualisation, going from achieving what others required of you to
doing what you want to do. The best is yet to be.
# the second half of life can be richer, more vibrant and meaningful but if we
hold on to old principles and assumptions, we will lose that opportunity, says
Sadler in his book - The Third Age : Principles of Growth and Renewal after
Forty.
# How we will face this third age depends on our ability and preparedness as
individuals and as a nation.

Source - Tho Li Ming / Personal Money

PENINGKATAN MUTU

Menurut J.M. Juran, PENINGKATAN MUTU adalah satu perubahan berfaedah yang dirancangkan dan ia mengikut satu kelakuan urutan universal seperti berikut ;

# Bukti keperluan.
# Pengenalan Projek ; Prinsip Pareto.
# Organisasi bagi memandu projek.
# Organisasi untuk diagnosis - untuk analisa projek.
# Diagnosis - Peningkatan Pengetahuan.
Mendapatkan Keputusan - Tindakan pemulihan ke atas apa yang telah didapati.
# Perubahan dalam sikap yang biasanya sukar diubah.
# Kawalan pada aras yang baru.

Dalam semua kejadian, perjalanan yang paling sukar adalah dari tanda-tanda kepada sebab musabab. Punca utama kesukaran ini adalah kekeliruan tentang siapa yang harus membuat perjalanan ini. Ini ditambah pula dengan kemahiran yang diperlukan tidak selalunya ada.

Sumber - Panduan Penyelesaian Masalah / Abd. Aziz Zakaria / FELDA

TIP MENGURUS TEKANAN

• tarik nafas panjang / dalam beberapa kali.
• bersenam secara kekal.
• terimalah diri anda seadanya dan cuba menyukai diri sendiri.
• bersikap positif dan belajar menerima kelemahan diri sendiri.
• dapatkan sokongan dan bantuan sebelum anda berasa tenggelam punca.
• bina silatulrahim yang baik dengan ahli keluarga dan rakan-rakan.
• seimbangkan masa kerja, hobi dan rekreasi.
• kira 1 hingga 10.
• luahkan perasaan anda dengan menangis atau ketawa semahunya.
• rehat dan tenangkan diri dengan mandi, meditasi dll.
• ubahsuai persekitaran anda.
• uruskan masa dengan baik.
• bijaksana dalam membuat keputusan.

Sumber - Berita Minggu

BEWARE OF H1N1

• Health alert Influenza A (H1N1).
• If you have flu-like symptoms - fever, cough, sore-throat.
• Immediately report to the health Authority.

Source - Johor Health Department

COOKING OIL SUBSIDY

• the subsidy introduced since 1995.
• cooking oil sold in sachets at RM2.50 per kg and in plastic bottled at RM3.50 per kg.
• cooking oil subsidy increased from RM26mil in 1995 to RM1.3bil in 2009.
• cooking oil price is capped at RM1,700 per tonne or RM1.70 per kg through subsidies. The current market price is about RM2,700 per tonne. To maintain RM1,700 'subsidised price' , a subsidy of RM1,000 is needed.
• average domestic consumption for cooking oil is 40,000 to 50,000 tonnes per month.
• should the subsidised cooking oil is left to open market and only subsidised for the needy (urban and rural poor), it may cost only RM40mil annually.

Source - Hanim Adnan / StarBiz / MY Palm Oil

Ole - ole dari Palembang

Sebok sikit akhir-akhir ini. Melapor diri ke Balai Polis (Polres). Kena ambil 10 cap jari tangan. Kawan-kawan kata tak boleh la nak jadi pengganas kat sini. Lepas tu pergi Pejabat Imigresen untuk buat permit kerja (Kitas). Hari berikutnya buat akaun bank di BCA (Bank Central Asia). Ok, lain kali kita cerita lagi. Makan dulu ... nasi padang la pastinya.

PALM OIL MILL ACCOUNTS

Key elements of Palm Oil Mill Accounts are as follows ;

• Balance Sheet
• Account Summary
• Expenditure Ledger
• Machinery & Repair
• Machine & Repair Transaction
• Process Shift Labour Analysis
• Vehicle Running Expenditure
• General Ledger Details
• Stock Movement Summary
• Stock Movement Analysis

Source - Boustead Informasi Technology Accounts System / PT. Boustead Indonesia