suatupreskripsi

Is Starbucks EVIL?

2009-08-12T09:27:00.010+08:00

Kenapa pilih untuk duduk sejam di Starbucks kalau $10 tu boleh digunakan untuk beli 1 packet Nescafe 3-in-1 yang cukup untuk cover at least 10 hari punye breakfast? It’s a comical question. Mestila.. Starbucks pakai high quality coffee bean. Pastu tempat cozy. High standard..

But why Starbucks charge relatively high price for a coffee that only cost 1/5 of its selling price? Percayalah.. cost of raw coffee bean x mahal mane pon. Jika anda penggemar kopi-kopi begini dan acapkali meluangkan masa lepak Starbucks and layan secawan overprice coffee; u may have come to a conclusion that somebody is making big big money out of all this. WHO?

Obviously kita akan terpikir tokei Starbucks la.. Or the franchise owner. Bukan semudah itu.. Starbucks will fight for PRIME LOCATION. Location lebih utama. Staff, coffee quality, kemudian.. Tapi siapa control the location? Tuan tanah/landlord. Starbucks do have competitors. Coffee Bean, Gloria Jeans, many more. Bila 3-4 potential tenants berebut 1 strategic location, the landlord will playing them against each other, dictate the terms. The tenancy rate will become variable. So who is going to make most of the money? The one who willing to sell $14 per cup of coffee and have YOU who willing to pay money for them. Of course, the landlords are even richer!! Coffee owner will be moderately rich and tell me siapa yang lepas dating kat Starbucks balik umah naik bas?!!!

So, much of the $10 profit per person they have expected to earn should go on the rent bill. Bukan semua kedai kopi mewah ni make a lot of money. They sometimes only breakeven je..

Kes yang sama 1 – kenapa pop corn kat panggung mahal x ingat punye – padahal there was no pop corn shortage pon.. Psr mlm pnye pop corn colourful lagi. Murah plak.

Kes yang sama 2 – Kenapa rumah kat bangi mahal dari umah kat parit jawa muar. Again, location..

Kos sewa tend to increase, is a natural outcome of the power of scarcity. Kadang2 scarcity is a situation that was created by the coffee owner(Starbucks). They willing to pay more on rent and has an agreement with landlord that direct competitors(Coffee Bean) will not be allowed right next door.

Peniaga x berlesen kat tepi jalan sekali kene rush ngn majlis perbandaran cabut trusss… walaupon kita blm bayar duit sirap ais kat dia. Sewa kn free.. lesen pon xde. Xrugi pape.. brp la sangat modal buat air tu…

Jangan blame Starbucks 100% sebab kopi dia mahal. Blame the CAPITALIST IDEALISM.

p/s : I have never been to Starbucks

[ a k h i r ]

Aku dan kehidupan baruku..

2009-08-11T16:28:00.004+08:00

Setelah 4 bulan tidak menulis aku rasa terpanggil untuk kembali menaip bait ayat2 tunggang langgang yang sekian lama aku praktikkan dalam blog ni. 4 bulan bukanla satu jangkamasa yang lama tapi banyak betul rasenye peristiwa yang masih tersave rapi di dalam hard disk pemikiranku. aku listkan yang aku rasa significant

1 jun - notis perletakan jawatan sebulan kat UKM
30 jun - last day in UKM
1 july - k e r j a b a r u
ogos sehingga sekarang - MISERABLE yang amat

Terlalu banyak untuk diceritakan..

[ a k h i r ]

Nikon or Canon?

2009-04-14T08:12:00.021+08:00

Last Sunday night, we had a ‘doa selamat’. Plan ahead to drive back to melaka on Friday. Last minute plan, Saturday morning drove to Kota Kemuning, met Kd at Kemuning Greenville Archway. We are not mentally and technically prepared when my maktih call 2 days earlier and said ‘paktih free on sabtu’. Being a professional wildlife photographer for at least 20 years, he was fundamentally and technically prepared to provoke us. Nah…

Paktih is a Canon keen user while kd always told me that Nikon body produce exceptional quality picture. ‘No matter Nikon or Canon, both are good. But if u get hold of canon body, I have all canon equipments that u can make use of.. wide, macro lenses, 200mm, 500mm telephoto, flashgun,’ paktih offered. omg…

After 2 hours of lectured, kd said, I will go for Canon 30d body.

‘Take my 50d with u for the ’doa selamat’ together with 580 flashgun.’ Paktih said. Yummy.. However maktih insist. ‘Iwan pakai maktih punye 450d je pon ok’

Most pics I fire that night were excessively common.. after photoshoping, 4 were special.. for me at least..

Kd sms me last night.. ‘aku rase nak angkat body 40d la’

Only in U*M

2009-04-03T14:39:00.005+08:00

There were so much money being poured in to the institution. Believe what u see. This is for real. If you want this exclusivity, apply for a job here.

Just my 2 cents..

2009-02-26T14:17:00.006+08:00

Orang yang berjaya MENCARI PELUANG

Orang yang kurang berjaya MENCARI ALASAN

Orang yang berjaya MEMBINA RANGKAIAN(NETWORKING)

Orang yang kurang berjaya bertanye, 'NETWORKING tu ape??'

Definition of rich

2009-02-19T12:01:00.003+08:00

How you define ‘rich’. Having 1 million, owning piece of real estate in the elite area, complete with swimming pool, have a secure high paying job, or owning a Bugatti Veyron 16.4. hehe..

Rich/wealth as defined by Robert Kiyosaki is the number of days which you can survive if you stop working TODAY.

So as long as you can survive without working, you are being rich.

It’s all about CASHFLOWS. Riches in, riches out.

Your monthly expense is 2000. If you quit your job with 10000 in saving, then you are being rich for 5 months.

What’s yours..

She's my cousin

2009-01-20T15:03:00.003+08:00

Credit card... Powerful wealth destroyer

2009-01-14T09:45:00.000+08:00

Why do banks go all out, giving freebies and spend millions of dollars in advertising to hook u on using their card? They know that there are many consumers out there who just pay the minimum sum every month (about 3% of the total debt you owe), because it is so tempting. What's worst is that many credit card owners don't even pay their minimum sum on time because of a cash crunch or because they plain forget.

The moment you pay only the minimum sum and allow your outstanding balance to roll, you become the bank's best friend. This is when they will make a killing of you! Why? This is because banks charge a 2%+- per month interest on your outstanding sum. This may seem small, but again, that's 24% interest a year. Just how much interest does this add up to?

EXAMPLE : Imagine an outstanding balance of $2000 on your credit card statement, and you just pay the minimum sum of $60, how long will it take for you to pay off the whole balance? (assuming you do not charge a single dollar more)

THE SHOCKING ANSWER : It will take you 4.5 years! You would have paid a total of $3300, that's $1300 in interest. In other words you would pay an actual interest rate of 65% off your balance.

Adam Khoo - Singaporean self-made milionnaire by the age of 26

I have a friend who waste 7000 on credit card and ended up fail to pay back even the minimum amount. At last, bank advises him to convert the debt into personal loan. Shameful for a govt officer like him (educated?) who earn 3000++ per month. Being uneducated in financial matter is totally unacceptable.

Don't borrow to spend. (except for cars and houses).

No matter how much money you make, whether it's $2,000 per month or $200,000 per month, you can still create a financial crisis for yourself. If you have poor financial habits when you have a little money, you will carry those same poor financial habits with you when you have a lot of money.

REMEMBER, always pay the outstanding balance of your credit card every month. This way the bank won't get any of your cents. Don't let bank earn Warren Buffet returns (24%) off you!

How come eyh the 2000 debt become 3300 even though the interest is just 2%.!? Because the money COMPOUNDING. I'll write about this soon.

Credit card? Anyone? Hehe..

Nenek kene candid! haha

2009-01-14T09:43:00.000+08:00

Bawak2 la bersenam...

2009-01-08T10:39:00.000+08:00

KWSP. Simpanan hari tua anda

2009-01-06T14:25:00.000+08:00

Semalam pegi Taklimat Tukar Skim KWSP Kepada Pencen kat DECTAR, UKM. Taklimat pertama daripada 13 taklimat seluruh negara pasal KWSP. Walaupun aku kontrak lg, xterlibat, tapi saje pegi nak mkn free. hehe...

Omar Osman pon ade. Menurut Hj Omar ni sejak 1997 ramai pekerja sektor awam yang memilih KWSP sebab pada masa tu skim opsyen ni kurang popular. Takde pilihan, KWSP pon KWSP la... Hasil perbincangan CUEPACS ngan JPA at last pekerja sektor awam yang telah memilih skim Kumpulan Wang Simpanan Pekerja (KWSP) diberi pilihan untuk bertukar kepada skim pencen...

Tiada KWSP, tiada la simpanan hari tua. (kecuali bagi yang mempunyai simpanan sendiri...)
Tapi ada pencen bulan2 + ganjaran2 lain, perubatan, dll. (ni janji kerajaan)
Pastu gaji bulanan tiada deduction... bole la buat hutang lebih ckit.. hehe

Kalau pilih KWSP, dapat la lump sump 200>300k. (depends on caruman) Banyaknye. Bole share ngan member2 yang sama2 dah retired bukak petrol pam. hehe..
Tapi pencen takde.. Sendiri mau ingat.. Jangan dapat 300k hari ni, lusa dah abis.

Pilihan ditangan anda. Bagi yang memilih opsyen pencen, jangan seronok sangat tengok slip gaji takde potongan KWSP.. Itu bukan lesen untuk berbelanja habis2an. Jangan tambah hutang gi beli kete 2nd hand konon nak buat 2nd car.. Belanja mengikut keperluan. Pay yourself first. Refer thread pakdi yang ni.

Apa tujuan kerajaan memperkenalkan skim opsyen ni? Kerajaan nak rakyat berbelanja.. sebab ekonomi negara sedang menguncup tempias subprime mortgage crisis, ketamakan kapitalis US. Oil price hike and US currency crises causes inflation. Inflation menjadi penyebab berlaku recession. Di dalam situasi kegawatan ekonomi kita lebih suka menyimpan, takut nak berbelanja, sebab takut dengan ungkapan 'krisis ekonomi'. Bila kurang berbelanja, kurang la hasil pendapatan negara. Kurang la GDP sesebuah negara. So effect daripada recession, berlaku la deflation.. excess supply, low on demand.

Caruman KWSP adalah aset bagi kita tapi ia adalah liabiliti kerajaan. Dorang nak kena diversified the fund to several investment vehicles untuk dapatkan faedah tetap yang kita terima di penghujung usia. 3%-5%-+ kalu xsilap faedah dia. Nak kena bayar fund manager, menanggung charge2 lain lagi.. kita hanya tau nak kluarkan je duit2 ni..

So kerajaan nak kita berbelanja. Perkenalkan opsyen 11% kepada 8%, bagi plak opsyen pencen lagi. Bank Negara kurang kan plak OPR supaya rakyat terus menyambung hutang. Bagi yang bergaji besar, taxable income pon bertambah selepas memilih 8% opsyen KWSP. Cukai kasi bayar lebih la.... hehe..

Berbelanjalah mengikut keperluan.. Invest the balance dalam amanah saham/asset/paper asset/gold.. Jgn perap duit bawah bantal je. Inflation will eat up all your saving.

Our currency are no longer back up by gold.. Govt can always print money, tanpa bersandarkan kepada emas. 'Wang kertas ini sah diperlakukan dengan nilai'. Ia bernilai selagi govt jamin ia bernilai..

Agak2 klau dah xde nilai macam mane. Nak buat bungkus nasi lemak ke duit tu..? hehe..
Buat sesuatu with your extra money. Live below your means during recession.. Learn how to invest.. Don't just rely on govt to take care of your future retirement plan..

U are your future..

edit~ edit..

2008-12-31T16:39:00.001+08:00

Suke edit gamba 2-3 ari ni.

Temuduga @ Ujidanduga

2008-12-23T10:47:00.000+08:00

Jumaat 19 Dec

2.45pm Bilik Mesyuarat Pendaftar

................................................

Berat kaki melangkah. Tapi masuk jugak lah. Dah penat2 apply, dah gi exam. Ape salah nye 'test market'.

4 panel. 1 steno... 2 bersuara. 3 lagi diam saje.

Yang JUSA membuka bicara. "We conduct this interview in english. Walaupun saya soal dlm melayu, u mesti jawab english."

Ok paham...

(setelah dipendek-pendekkan ni kisah nye..)

JUSA : U background accounting. kenape u mintak HR/admin. Kenape xmintak jadi pegawai akaun ke, akauntan ke,... u minat ke x ni, atau saje2 mintak.

Aku : Accounting is universal. I learned account bcoz its a need. necessity. Even engineer, doctor must hv basic accounting knowledge. Because nowadays evrything is money. When we hv money we hv to manage them/be accountable. This is my opinion je. (alamak. ade 'je'). In accounting courses i also gain knowledge of management, OB(organiztnl bhviour), HR and so on.

2nd officer : Abis tu u tak rase rugi ke belajar akaun tapi kat sini buat admin/HR. Ape strength awak nak mintak jawatan ni.

Aku : I have a never give up mentality and i am capable to work under pressure bla bla bla... As i mention b4, i study account bcoz i hv to. (xpaham2 dorang ni). (20saat aku diam.pikir) Plus, in future if i own an audit firm i already have financial skill and social skill (i experienced here) to communicate with my subordinates.

2nd officer : Mcm mane ni. u mintak pegawai tadbir tapi u nak bukak audit firm plak.

Aku : (abis tu xkan aku nak rely on govt je sampai tua. xkan dah pencen nak duk diam kat umah je membiakkan sel2 kanser. Korang lain la gaji dah riban2.) aku ckp dalam ati. Aku xjawab soalan tu. aku sengih je.

JUSA : Ridzuan.. Ridzuan.. u nak jadi pembantu tadbir ke pegawai tadbir ni..

TAMAT.

Memang tugas dorang untuk provoke habis-habisan. Semua akan rasa macam 'dimalukan' kat dalam tu. Normal. Dia nak tengok macam mane kite handle situasi2 genting and be decisive, rigid dalam memberi pendapat. Poyo mesti ade. hehe.

Aku kesian kat senior2 je. ChiefClerk2, kerani2. 7 kali dah interview post sama yang aku mintak ni. 7 kali la jugak mengusung sijil2 degree yang dah 'karat' masuk interview. Tapi xdapat2. Padahal pengalaman sukar dihitung. 15 tahun++ keje. At last sape yang slalu dapat? xpela. rezeki masing2..

Tapi kesian gak tengok pegawai-pegawai muda, kurang pengalaman, tapi tanggungjwb besar, mesti kne ade high diplomacy skill. klau x mcm mane orang nak respect.nak dengar arahan. Orang lg menyampah ade la..

Mana lagi diutamakan. Didahulukan. Academic qualification or experience?

Sehari di INTENGAH..

2008-12-16T11:15:00.000+08:00

Sehari lepas menyambut birthday aku attend satu assessment kat INTAN. Ade lebih kurang 170+- candidate. B4 this 3 hari tp sebab nak save cost agaknye semua xtvt di pack kn jadi sehari. Minum pagi x proper langsung. Minum berdiri sambil berebut2 nak naik 2 lif dengan 200 orang. Yeah, dorang letak air & kuih betul2 kat pintu masuk dekat dgn lif. Klau xberebut nanti lambat for first xtvt. Nasib baik xde yang mandi air kopi panas..

Dipendek kan cerita, assessment kali ni memang challenging. have to act n think fast. Aku jmpe mcm2 candidate. Geologist, 41 grade officer, bakal doktor, paramedik, CSI officer, cleaner, hehe acah je. 1 girl, ex-lawyer n already hv law firm, dihantar menaiki merc S320 oleh driver nya (aku tau driver dia sbb dia hop in kat sit blkg.) Xtau la kenapa dia still nakkan position ni even dah achieved financial stability mcm tu. lawyer ni bai.. english fluent gile. Kurang bernasib baik aku kne debate dengan group dia...

Pukul 4.40pm. Hujan lebat. Aktiviti senaman stop.separuh jalan je. Setel. Balik.

Melayu dan perniagaan

2008-11-28T15:04:00.000+08:00

Jarang baca Utusan Malaysia semenjak dua menjak ni. Tp article ni mesti dibaca dan di ambil berat isi kandungannya. Topik ni kerap dibahas dan dibincangkan di mana2 forum dan blog2 berorientasikan motivasi perniagaan dan kewangan. NAMUN, berapa ramai yang peka/ambil berat dan memulakan perancangan masa hadapan?

Tipikal orang kita. Belaja rajin2. Mintak keje gomen Gred 41++. Kalau tak dapat baru la try private company/bank. Klau gagal jugak baru la cari inisiatif bukak gerai burger ke, jual ABC ke, MLM ke. Fikirkan... beginikah mentaliti kelas pertama yang diharap2kan untuk memperbaiki taraf ekonomi anak bangsa setaraf dengan bangsa2 lain? Perniagaan diletakkan pada pilihan terakhir. Bagaimana hendak menguasai ekonomi jika orang Melayu tak nak berniaga. Takut risiko. In business, risk are to be manage. not to be avoid. Sape kata jual burger tak boleh berjaya..

Industrial age vs information age

2008-11-27T16:47:00.000+08:00

Industrial age begin when Henry Ford incorporated Ford Motor Company on June 16, 1903 with $28,000 capital. Its market capitalization as for 2008 reached USD3,966m. On the other hand, Google was first incorporated as a privately held company on 4 September 1998 using (US$100,000 contribution from Andy Bechtolsheim). IPO took place on 19 August 2004 and now their market cap, a whopping USD67,561m.

Henry Ford took about 105 years while Larry Page and Sergey Brin need only 10 years to become big times business tycoon.

Pengajarannya, Ford ni lagi lembab dari Google walaupun company Ford established dulu. Banyak faktor yang menyumbang kepada kelembapan tersebut, cth : different nature of business, dll. Tapi yang nyata both company being created during different era. Industrial VS information age. Ini yang membezakan sebenarnya.

Kita hidup dalam era informasi. By only a single click, semua maklumat boleh di access di internet. Selak The World Is Flat. Bagus buku ni, untuk orang2 kita yang masih duduk dalam gua buatan sendiri. Yang masih tak tau ape itu GLOBALISASI. Dalam information age, leverage di mana2. Terpulang untuk kita gunakan dengan kekreatifan sendiri. Era industri dah berakhir.. manusia perlukan idea2 baru untuk survive dalam era informasi yang serba mencabar..

Who need 9-5 job

2008-06-20T12:28:00.000+08:00

Masalah pengangguran wujud di mana2. bukan setakat kat Malaysia. Siswazah yang menganggur memang abundant, sukar ditampung oleh majikan2 atau kerajaan/badan berkanun. Every year beribu2 lagi student graduate dari IPTA/IPTS seluruh negara. Jadi masalah ni berterusan. Kerja yang di offer kat luar tu tak mampu nak menampung mereka2 ni yang nak merasa 'gaji pertama' yang bersesuaian dengan study level masing2. Kenapa boleh timbul masalah macam ni. Nak kata tak pandai, bole tahan dorang2 ni. Courses yang dorang ambik pon bukan calang2. Pointer 3.oo++. Tapi still tak mendapat tempat di hati majikan, badan kerajaan, badan berkanun, atau private company. Aku pernah jugak bermasalah nak cari kerja. Apply govt haram tak dapat. duit dah abis banyak beli borang permohonan. Tempat aku 'mencuba nasib' ni badan kerajaan. Ada 10++ jawatan untuk apply tapi dorang tak inform berapa position nak guna. So dorang jual borang selagi ada orang nak beli. At last klua radio temubual dengan Ketua/pengarah tempat ni, dia kata position yang kosong tak banyak. Kalau ade pon dorang akan utamakan untuk staf2 lama (lantikan kenaikan pangkat). Borang dah jual kat 15000++ orang . Satu borang RM2. Aku beli 2 borang. Orang lain mungkin lebih. Bayangkan berape ribu profit atas angin hasil penjualan borang aje!! Yang kitorang ni terkial2 menunggu surat untuk panggil interview. Memang takde la jawab nye. Kecik sangat chances nak dapat. Yang gune cable tu aku tak tau la. Sekarang almost sume benda berpaksikan Kronisme. Sume nak kene ade org lain recommendkan/cable. Wallahualam. Tak berani nak comment byk2.

Kerja pertama aku. Kakitangan sokongan di sebuah badan berkanun. Gune cable baru dapat. So bayang kan la sekecil-kecil jawatan sokongan ni pon nak main2 cable. So kat sini aku tau dah kerja yang ade sekarang tak mampu dah nak menampung lambakan lepasan2 universiti, kolej kat luar tu. Zaman sekarang bukan macam dulu2. Dalam satu kampung ade la sorang anak si polan yg blaja tinggi. Sekarang peluang untuk further/continue study melambak2. Kalau x dapat IPTA byk IPTS yang ready nak amik student2 baru. Janji sediakan aje ongkosnya. So as a consequences, hasilnye bertambah2 la graduan yang jadi penganggur terhormat...