Tuesday, 4 November 2008

Yang mana satu atau dua2?

Or A Combination of Both

If you're a basic-rate tax payer with a pretty good chance of becoming a higher-rate tax payer at some time in the future, then it's an excellent idea to save into an ISA first. You can build up a lump sum in the ISA wrapper while your earnings are still subject to income tax at the basic rate.

But once you have sufficient earnings on which you pay higher-rate tax, the perfect opportunity emerges to move your savings into a pension. You won't suffer any capital gains tax (CGT) by closing your ISA, but by moving the sum into a pension you'll instantly qualify for 40% tax relief on that amount. And this is going to be a massive boost to your pension fund.

That said, this only applies as long as you have sufficient earnings in the tax year which are subject to higher-rate tax to cover the amount of the contribution. If you don't have enough earnings on which you pay 40% tax, then you could move money in phases out of your ISA and into your pension over a series of tax years, although you'll need to ensure your ISA allows partial withdrawals.

So that concludes the main factors you need to think about. Remember whichever route you go down, choose an investment fund which is consistent with your attitude to risk and keep an eye out for the charges too. To a certain extent that final decision will depend on your personal circumstances but perhaps it shouldn't even be an 'either/or' question.

I think the best option is to invest as much as you can comfortably afford into pensions and ISAs to get the best of both worlds while taking advantage of all the generous tax breaks.

NB: For full article http://www.fool.co.uk/news/retirement-pensions/2007/11/05/pensions-versus-isas.aspx


Wednesday, 24 September 2008

BI Sains dan Matematik, ramai resah kini

BI Sains dan Matematik, ramai resah kini
Ibha,Kota Bahru.
Tue | Sep 23, 08 | 9:28:22 am MYT


Saudara Pengarang,

Banyak telah diperkatakan mengenai pengajaran Matematik dan Sains (MS) dalam Bahasa Inggeris (BI). Kementerian Pelajaran (KP) telah memperlihatkan keresahan yang ketara.



Sebagai bekas seorang guru di Sekolah Rendah dan Sekolah Menengah mengajar BI, Sejarah, Siviks dan guru kaunseling, Penolong Kanan dan Pengetua, saya rasa amat bersalah jika tidak menyatakan sesuatu mengenai hal ini.

Pertama: Ke mana arah dan hilangnya pedoman dalam 'Penyata Razak (ayah Najib)' dan Penyata 'Rahman Talib (ayah Fauzi)'?

Apakah kedua-dua penyata ini tidak bermatlamat. Inilah untuk perpaduan dalam sebuah negara bernama 'Malaysia'.

Adakah penyata tersebut ada menyatakan BI sebagai bahasa pengantar dalam mana-mana sekolah dan mata pelajaran? Inilah yang dikatakan 'melampau' bila ada suara yang bukan sahaja mempertahan pengajaran MS dalam BI malah ada yang mencadangkan pengajaran semula semua matapelajaran dalam BI,dengan kata lain kembalikan semula sekolah Inggeris!

Setelah 51 tahun merdeka, ini yang timbul. Kalau begitu kembalilah ke zaman penjajah 'baru' pula. Kita kembalikan Sekolah Melayu, Sekolah Inggeris, Sekolah Cina dan Sekolah Tamil! Barulah kita nampak dengan jelas, siapa di mana dan kemana.

Sepertilah dengan keadaan siaran berita di kaca TV sekarang, berita Melayu menghentam dan memburukkan negeri-negeri di perintah pembangkang dan ahli-ahli pembangkang, berita Cina memfokuskan perniagaan dan Negeri Cina manakala berita Tamil memfokuskan keadaan orang India dan negeri India.

Kedua: Guru yang diarah untuk mengajar MS adalah berkelulusan melalui pembelajaran di sekolah rendah, menengah, universiti, maktab, diploma menggunakan bahasa Melayu (rujuk artikal dalam Harakah bil:1376 - ms F11).

Macamana boleh ini tidak terfikir oleh perancang di KP yang saya tahu amat profesional! atau mungkin mereka terpaksa atau dipaksa aataupun 'bermuka-muka' kesian guru-guru yang 'terpaksa' menerima imbuhan(rasuah) elaun 10%/5% kerana mengajar MS dalam BI!

Guru Bahasa Inggeris pula dibebani untuk mengajar, membimbing, menguji guru MS, tugas hakiki mereka untuk mengajar BI kepada kumpulan sasar sebenar iaitu 'pelajar' sedikit sebanyak amat terjejas. Mereka juga digula-gulakan dengan elaun 10/5%! Mereka ada kesatuan tetapi 'tutup mulut'dan individu pula dengan sikap 'pegawai kerajaan' yang 'taat di bawah perintah' itulah hakikatnya.

Ketiga: Pelajar, adalah golongan yang bakal mewarisi kita. Kalau diimbas kembali pendapat-pendapat mengenai isu ini rata-rata datangnya dari golongan elit, atau paling tidak berada di bandar. Ini termasuklah pekan kecil Kota Bharu, Bandaraya Kuala Terenggnu juga ibu kota kesayangan semua Kuala Lumpur.

Adakah mereka ini pernah tinggal sekurang-sekurangnya 'sebulan' di Kota Belud, Paloh, Ulu Tembeling, Kuang dan Rengit(bukan Batu Pahat)?

Pengalaman saya di empat buah negeri di Malaysia sudah cukup untuk saya berfikir bahawa 'perpaduan' adalah mesti melalui 'bahasa kebangsaan'.

Data yang menyatakan hanya 30% sahaja yang tidak dapat menguasai BI dalam pengajaran MS perlu disemak semula!

Kalau diukur dari kejayaan bekas produk pengantar bahasa kebangsaan ini, mereka telah juga berjaya, di dalam 'the Star' umpamanya ada berbagai pendapat dan ulasan: antara yang menyokong kekal dengan BI, menyebut hasil dari dirinya melalui 'Remove Class'. Saya juga dari produk itu tetapi siapa dia, dan siapa saya.

Ada jua yang merasai kita telah banyak 'berbelanja' untuk lima tahun yang lalu. Habis, berpadukah kita sekarang? Adakah kita sanggup untuk terus mengabaikan generasi yang kalau diizinkan akan mewarisi kita beratus malah beribu tahun lagi ke hadapan. Kalau berbilion RM boleh hanyut begitu sahaja, angka ini amat kecil untuk ikut serta!

Ulasan 'kejayaan' melalui sistem ini adalah seorang yang amat berjaya di Australia (the Star) serta siapa yang sedang memegang jawatan tertinggi dalam apa bidang sekalipun, mereka termasuklah yang bukan sahaja memiliki PhD dari universiti-universiti terkemuka di luar negara tetapi yang mendapat pengiktirafan bertaraf dunia!

Kalau mereka telah berjaya melalui sistem kebangsaan ini, mengapa perlu sangat kita berubah ke sistem yang 'menghancurkan' majoriti generasi kita. Ingat, tidak semua orang Malaysia akan ke United Kingdom, ke USA. Ada yang hendak ke Jepun, Perancis, Mesir, Russia atau tetap tak keluar Malaysia pun! - mks. _

Friday, 1 August 2008

THE BRICK

THE BRICK

A young and successful executive was traveling down a neighborhood street, going a bit too fast in his new Jaguar. He was watching for kids darting out from between parked cars and slowed down

when he thought he saw something. As his car passed, no children appeared. Instead, a brick smashed into the Jag's side door!

He slammed on the brakes and backed the Jag back to the spot where the brick had been thrown. The angry driver then jumped out of the car, grabbed the nearest kid and pushed him up against a parked car shouting, 'What was that all about and who are you? Just what the heck are you doing? That's a new car and that brick you threw is going to cost a lot of money Why did you do it?' The young boy was apologetic. 'Please, mister...please, I'm sorry but I didn't know what else to do,' He pleaded. 'I threw the brick because no one else would stop...' With tears dripping down his face and off his chin, the youth pointed to a spot just around a parked car. 'It's my brother, 'he said 'He rolled off the curb and fell out of his wheelchair and I can't lift him up.'

Now sobbing, the boy asked the stunned executive, 'Would you please help me get him back into his wheelchair? He's hurt and he's too heavy for me.'

Moved beyond words, the driver tried to swallow the rapidly swelling lump in his throat. He hurriedly lifted the handicapped boy back into the wheelchair, then took out a linen handkerchief and dabbed at the fresh scrapes and cuts. A quick look told him everything was going to be okay. 'Thank you and may God bless you,' the grateful child told the stranger. Too shook up for words, the man simply watched the boy! push his wheelchair-bound brother down the sidewalk toward their home.

It was a long, slow walk back to the Jaguar. The damage was very noticeable, but the driver never bothered to repair the dented side door. He kept the dent there to remind him of this message: 'Don't go through life so fast that someone has to throw a brick at you to get your attention!' God whispers in our souls and speaks to our hearts. Sometimes when we don't have time to listen, He has to throw a brick at us. It's our choice to listen or not.

Author : no idea - got it from an email.

Wednesday, 11 June 2008

Arsenal’s Chief Scout - Steve Rowley Interview

Arsenal is known to spot and produce very good young talents. Steve spoke about the process, individuals qualities and characters, and winning mentality.

Arsenal’s Chief Scout - Steve Rowley Interview


Arsenal’s diverse scouting network is one of the most well known in club football, with Arsene Wenger and his team frequently finding young unknown prospects and developing them into superstars.

One of the most important members of this system is Chief scout Steve Rowley, who has the final say on potential signings, and creates reports and videos for the boss to study. Speaking with the clubs official magazine, Rowley speaks about all aspects of his work and why the network has become so successful.

You can read part one of this interesting interview below, with the second part coming tomorrow. He speaks about the unknown members of his team, as well as his day to day activities. He also talks about Cesc Fabregas and Carlos Vela, whilst touching on youth development and the importance of loaning.

Q - Steve, tell us a bit about the scouting structure at Arsenal.

A. First of all let me say it’s a real team effort at Arsenal. I have 12 scouts based in the UK, and aside from that we have a worldwide network. We have recently developed the Americas. We have our former left-back Danny Karbassiyoon in America, and he covers Mexico too.Then we have Sandro Orlandelli who looks after the scouting in Brazil, Argentina and the rest of South America, along with Pablo Budner and Everton Gushiken. Bobby Bennett does all of Scandanavia, where he has been doing a great job for seven years. We have Francis Cagigao who does Spain and Portugal while Gilles Grimandi does France and Switzerland. Jurgen Kost covers Germany, Czech Republic, places like that. Then we have Tony Banfield in Italy, Slovenia and Croatia. Finally we have Peter Clarke, another of our former players, who is based in Holland.

Q. And what’s the process for finding players? Do you tell them where to be or do they follow their own leads?

A. Well these scouts are all responsible for their own countries, they have built up a big network of contacts over the years. They have met players, coaches, other scouts, so they all get tip offs, they then go and watch, and then report to me via our database. If the report sounds interesting then I will tell them to watch a couple more times, then I will send another scout to look at the player, to get a fresh perspective. If they come back positive too, I will go. But there is no set number of times we watch a player. For Fabregas for example, you watch him once or twice and that’s enough. Other players though may play in a poor league, so you need to watch them more when they come up against a good team. So there is no set rule, basically I trust my scouts and if they say ‘Steve, stop messing about’ then I’m there.

After i’ve watched the player I will compile a dossier for the manager, and also a video which contains the player’s good and bad points. The manager is so, so good at assessing a player that he can say straight away whether he likes what he sees or not. Then he will get onto his own contacts around the world to find out more about the player’s background, so it’s not just down to playing ability. When he’s made the decision, we move quickly to seal the deal.

Q. Arsene Wenger has a reputation of signing lesser known names, so do you tell your scouts to focus more on those type of players?

A. Well we know about the bigger names too of course, we knew about Messi when we knew about Cesc obviously because they were in the same team, but we couldn’t do anything about it because he is Argentine. Generally though, yes the prices are more competitive when they are relatively unknown. I think the gaffer likes the fact that they are not going to cost millions and millions, but I also think that what’s important to him is that it gives him more scope to develop the player through his own coaching methods. At the same time if we bring a 16-year-old in through our scouts, I fully expect him to be able to train with the first team and not look out of place. They have to be of a very, very high standard.

Q. What was it that made Cesc Fabregas stand out for example, when you first saw him play?

A. It’s a combination of things. The boss loves intelligent players, physically they also have to be of a certain level. Midfielders have to have great stamina and with Cesc, even at 15, you could see he would run all day. He had the basic requirements, added to great intelligence and great technique, just as every player we bring in has. We also look for that winning attitude. People like Cesc, Denilson - all of them in fact - they have the right mentality. There are also players we scout who are undoubtedly very talented, but you know that for whatever reason, they will not be a success in England. Can they adapt to this league? It’s a big question.

Q. Did you have scouts at the Africa Cup of Nations looking at systems and players?

A. We had scouts there, but only looking at players, not systems and so on. Africa is an interesting market, and the boss has very good contacts in Senegal and Ivory Coast, so he helps a lot on that side. He’s usually already heard of the player when I tell him I have just had a recommendation.

Q. How easy is it to persuade promising players to come to Arsenal?

A. Let me tell you that the name and reputation of Arsenal is huge nowadays. You can watch us on TV all over the world, and wherever I go Arsenal is a very well known club. Kids love watching us because we are exciting, and our profile has shot up. They love the fact that we can field a young side in the final of the Carling Cup, against a strong, strong Chelsea team, and do so well against them. The Carling Cup is a great shop window, but so is the regular first team. Cesc went in at 16 and we know that the manager will play you if you are good enough.

Also the facilities here are a big factor. They are blown away when they see the training ground. Yes, it’s really satisfying to see them develop, train well and break through to the first team. Not for mer but for the scouts because for me they don’t get enough recognition. They put in a lot of work, OK myself and the gaffer make the final decision, but they bring them in initally. I’m delighted when I saw the players do so well against Sheffield United in the Carling Cup for example, but it’s down to them. They have all shown great character.

Q. How important are loan deals to develop players and keep them happy?

A. The loan system is important to us. There comes a stage when they need to step up from reserve team football. Look at Bendtner last tear and Djourou earlier this season. Also Alex Song at Charlton. It’s great for them, and for us. Just half an hour ago I had a manager on the phone asking if we had anyone avaliable, and let me tell you there are Premier League managers asking me too. I have a list of about 15 clubs after some of our boys. I pass that onto the manager and he seems to have this fantastic knack of knowing when to let them go out. It’s uncanny.

Q. The strength of the squad was underlines by the Carling Cup this season, when the boss regularly made 11 changes to the side that played in the league, but are you still looking for new players?

A. Yes and no. We are happy with our squad, and also with some of the English boys coming through, but you can never stand still in this game, because you know your rivals will always be looking. You don’t turn down a Kaka or Maradona if he comes along do you? So the scouts are always looking, but they have to be a hell of a player to improve upon what we’ve already got. My job is to find the talent, then it comes down to the manager whether he says yes or no.

Source: http://youngguns.wordpress.com/2008/06/10/arsenal%e2%80%99s-chief-scout-steve-rowley-interview-part-2/

Thursday, 8 November 2007

Cubaan Ayah.biz


Ini cubaan pertama guna blogspot...senang ke?
Entahlah, apapun ... inilah masanya nak cuba.

tanggungjawab sebagai ayah itu adalah yang utama sekali, lebih dari apa jua business atau jawatan yang saya pegang - dahulu, kini ataupun di masa depan. Nick-name tu sebagai peringatan peribadi.