Kisah Sebenar Orang Berhutang 1

Suara Imran kedengaran di hujung corong telefon. "Kamarul, esok result keluar. Kalau ada yang sangkut, habislah aku, extend 6 bulan lagilah." Nafas Kamarul seakan tersekat-tersekat apabila mendengar kata-kata Imran tadi.

Kamarul berdebar-debar, dia sudah tidak sanggup lagi burning the midnight oil. Apabila keputusan keluar pada keesokan harinya, ia benar-benar bermakna bagi Kamarul.

"Alhamdulillah, aku lulus." Bagaikan arus sejuk singgah di kepalanya, dengan kelulusan itu Kamarul dianugerahkan Ijazah Sarjana Muda dengan Kepujian. Sejak hari itu, berpuluh-puluh permohonan kerja resume dihantar ke syarikat-syarikat besar. Akhirnya dia mendapat kerja di syarikat di Petaling Jaya, sebagai eksekutif dengan gaji RM1,500.

Disebabkan tiada pengangkutan awam ke tempat kerja dari rumahnya, Kamarul membuat keputusan membeli sebuah motosikal yang berharga RM 3,500. Dia kekurangan wang lalu ingin meminjam daripada ibunya sebagai wang pendahuluan dan membayar bakinya dengan ansuran bulanan sebanyak RM200 selama 3 tahun.

Ibunya memberikan RM3,500 kepadanya supaya membeli motor itu secara tunai. Apabila ada masa terluang pada hujung minggu, Kamarul pergi ke pusat membeli-belah bagi bermain boling dan menonton filem.

Pada suatu hari dia diperkenalkan dengan kad kredit, selepas diberitahu dia tidak perlu membayar satu sen pun bagi memilikinya. Tanpa berlengah-lengah lagi, Kamarul pun bersetuju. "Encik boleh faks satu salinan borang EA (borang pendapatan). " Lebih kurang dua minggu kemudian, kad kredit itu sampai dan dia pergi ke bank bagi mendapatkan nombor PIN kad itu.

Tips: Periksa rekod perbelanjaan untuk tempoh 12 bulan. Setahun adalah jangka masa yang tepat untuk melihat apa yang berlaku.

Sejak hari itu, kad itu tersimpan kemas tidak terusik di dalam dompetnya. Kini hampir setahun ia tersimpan di dalam dompet tanpa menggunakannya. Genap setahun bekerja di Syarikat ABC, Kamarul membeli sebuah kereta. Dia sudah tidak tahan dengan kepanasan cuaca dan terpaksa berteduh di bawah jambatan setiap kali hujan lebat.

Harga kereta : RM 53,000 Wang Pendahuluan: RM 1,500 Tempoh : 9 Tahun (108 bulan) Ansuran : RM 624 Sejak memandu kereta, Kamarul mula menggunakan kad kredit bagi mengisi minyak keretanya. Sekiranya dahulu, dia membayar tunai kerana RM5 cukup bagi satu tangki minyak motornya, tetapi sekarang RM50 pun belum penuh satu tangki keretanya.

Kamarul membayar minyak petrol keretanya menggunakan kad kredit dan menjelaskan bilnya apabila mendapat gaji pada hujung bulan. Pernah sekali kad kreditnya tidak dapat digunakan. Selepas kejadian itu, dia memohon satu lagi kad kredit dari bank yang lain.

Sekiranya salah satu kad kreditnya rosak ataupun tidak diterima, dia masih ada satu lagi kad kredit yang dapat digunakan.

Seperti biasa, setiap tahun, gajinya akan naik di antara 5 - 9%. Kini gajinya RM 2,750. "Alhamdulillah dengan umur 26 tahun, aku sudah mendapat gaji sebesar ini." Hatinya benar-benar puas. Jodoh, rezeki, ajal dan maut di tangan Tuhan. Apabila sampai waktunya, semua remaja akan bersatu termasuklah Kamarul. Dia bertunang dengan Balqis dengan menetapkan hantaran kahwin sebanyak RM6,666.

Semasa dalam pertunangan, Kamarul membuat satu pinjaman peribadi bagi urusan perkahwinannya. "Alhamdulillah, pinjaman aku lulus." Kamarul merasa gembira pinjaman peribadi sebanyak RM 15,000 dari sebuah bank tempatan diluluskan. Dia memerlukan duit yang banyak bagi menampung kos hantaran dan majlis perkahwinannya yang akan diadakan secara sederhana.

Tips: Kirakan jumlah perbelanjaan anda dalam sebulan, kirakan dengan semua bil yang perlu anda bayar dalam sebulan.

Bersambung dalam artikel Kisah Sebenar Orang Berhutang 2

There's making it big

There's making it big. Then there's making the Forbes 400. From Bill Gates and Warren Buffett to Steve Jobs and Nike's Phil Knight, our annual list of the richest people in America is home to icons of technology, investing and industry, with a entry level of $1 billion to make it on the list. It's an elite group, but it's hardly permanent.

Thanks to death and declining fortune, this year 34 members of the 2009 edition were off the list. And over time business cycles and the radical reshaping of the economy lead to even more tectonic shifts. In 1982 the total net worth of the Forbes 400 was $127 billion, with energy fortunes representing 21.6% of the total. This year the total net worth of the list was $1.4 trillion, and finance and investments led the way, responsible for 25.5%.

So who's waiting in the wings? Based on our research, we see 15 people as likely candidates to breach the billion-dollar barrier in the coming years. Call it the Forbes 400 Farm Team. On it are some of the biggest names in entertainment, sports' most branded athletes and businessmen on the brink of making it very big. This elite group of tech moguls, hedge-funders, athletes and entertainers is hovering under billionaire status with a strong chance of breaking into the Forbes 400 ranks this decade, including some well-known names such as Jay-Z, Jerry Seinfeld, Tiger Woods and James Cameron.

Jerry Seinfeld, with an estimated net worth of $800 million, is a very likely bet. His TV show about nothing has earned $2.7 billion in 12 years and could take in $200 million more a year, thanks to syndication payments. Seinfeld has spent some of his portion buying up New York real estate and has a four-car garage (in Manhattan!) for his fleet of vintage motors. The cash-rich star may need another hit: The Marriage Ref wasn't it.

Another likely candidate is producer Jerry Bruckheimer, worth $850 million. The Hollywood producer's blockbuster franchises, like Pirates of the Caribbean and National Treasure, have generated $9 billion at the global box office, with more to come. TV hits include the CSI franchise, Without a Trace and Amazing Race. Director James Cameron moved a lot closer with the release of Avatar, which earned $2.7 billion at the box office and is the bestselling Blu-ray disc of all time. His older films, including Titanic, have earned a combined $3 billion. We estimate his current net worth at $650 million.

[See The Millionaire's Retirement Plan]

With $450 million and a career trajectory aimed right at the sky, we expect Jay-Z could make the list one day as well. Jay-Z has elevated hip-hop to rock arenas, packing ballparks with Eminem this summer. If he keeps selling out monster shows, money will rain down on all his ventures: the Roc Nation label, a back catalog (ownership reverts to him in 2014), Rocawear clothing royalties, a stake in the New Jersey Nets. He'll score nicely if a suitor buys Carol's Daughter, a hot beauty care line backed by Jay-Z and other celebs. He and wife Beyonce Knowles may already be music's first billion-dollar couple.

From sports we see two very familiar names: Tiger Woods and Michael Jordan, each worth $500 million, as likely list members one day soon. Jordan, the former Chicago Bulls wonder, earned $90 million in salary during his playing career. Most of his fortune now derives from endorsement deals with his biggest sponsor, Nike ( NKE - News); he raised his stake in the NBA's Charlotte Bobcats to 80% this year.

Woods' fortune took a beating his year. His agents, the tax man and recently divorced wife Elin Nordegren have all gotten pieces of his $130 million in career prize money and $900 million in revenue from endorsements, appearance fees and golf course design business since 1996. But he will make it to 10 figures if he starts winning again and sponsors return.

The fastest-rising member of this year's 400 was 26-year-old Facebook founder Mark Zuckerberg, who's net worth sprung from $2 billion last year to $6.9 billion this year. Other social media mavens will likely follow his path in the years ahead. Sean Parker, cofounder of Napster ( NAPS - News) and Plaxo, was the Silicon Valley veteran who joined Facebook in 2004 as its founding president and helped it navigate initial funding. He left in 2005 for venture capital but still has a 4% stake, pushing his net worth to $920 million.

Right behind him at $850 million is Mark Pincus, the love-him-or-hate-him leader of Internet's most popular gaming site, Zynga, named for his late bulldog. Pincus' fourth startup, it grosses some $500 million from virtual goods and promotions with 7-Eleven, Target ( TGT - News) and MTV. "FarmVille," "FrontierVille" and "Zynga Poker" are its most popular games, and it's worth an estimated $5 billion right now.

Then there's Reid Hoffman. A former executive at Apple ( AAPL - News) and PayPal, Hoffman cofounded LinkedIn in 2003; networking site started making money three years later and now has 75 million users; about half its members are outside the U.S. Tiger Global Management bought 1% of the firm in July, valuing it at $2 billion. Hoffman's estimated worth: $340 million.

SEAN PARKER

©Ralph Orlowski/Getty Images for Burda Media

Facebook

Estimated net worth: $920 million

Cofounder of Napster and Plaxo, Parker was the Silicon Valley veteran who joined Facebook in 2004 as its founding president and helped it navigate initial funding. He left in 2005 for venture capital but still has a 4% stake. Justin Timberlake plays Parker in the upcoming film "The Social Network."

MARK PINCUS

©ZUMA Press/Newscom

Zynga

Estimated net worth: $850 million

Love-him-or-hate-him leader of Internet's most popular gaming site, Zynga, named for his late bulldog. Pincus' fourth startup, it grosses some $500 million from virtual goods and promotions with 7-Eleven, Target, MTV. "FarmVille," "FrontierVille" and "Zynga Poker" are its most popular games.

JERRY BRUCKHEIMER

©Phil McCarten/UPI/Newscom

Movies, TV

Estimated net worth: $850 million

The Hollywood producer's blockbuster franchises, like "Pirates of the Caribbean" and "National Treasure", have generated $9 billion at the global box office, with more to come. TV hits include the "CSI" franchise, "Without a Trace" and "Amazing Race."

JERRY SEINFELD

©Carlo Allegri/Reuters

Television

Estimated net worth: $800 million

His TV show about nothing has earned $2.7 billion in 12 years and could take in $200 million more a year, thanks to syndication payments. Seinfeld has spent some of his portion buying up New York real estate and has a four-car garage (in Manhattan!) for his fleet of vintage motors. The cash-rich star may need another hit: "The Marriage Ref" wasn't it.

ERIC LEFKOFSKY

Groupon

Estimated net worth: $750 million

Chicago investor is cofounder and 30% owner of the fastest-growing company ever, Web phenom Groupon, which updates its online audience about deep discounts on products and services. His venture fund, Lightbank, has stakes in 11 companies, including two now public ones: Innerworkings and Echo Global Logistics. As for being outed as an almost-billionaire: "It's a good thing and a bad thing."

WILLIAM ACKMAN

©Allen Fredrickson/Reuters

Hedge Fund

Estimated net worth: $700 million

Ackman may get control of Manhattan's giant apartment complex Stuyvesant Town-Peter Cooper Village. His Pershing Square Capital Management, with a partner, picked up $300 million of its junior debt and launched a foreclosure proceeding, but they may get beaten out by more senior creditors. A judge is set to rule soon. Whatever happens, the hedge fund tycoon has raised his profile.

DENNIS GILLINGS

©Dibyangshu Sarkar/AFP/Getty Images

Quintiles

Estimated net worth: $700 million

Gillings founded privately held Quintiles, to which the drug industry outsources clinical trials. With $2.8 billion in annual revenue, it is the largest and most influential company in its field.

RAY R. IRANI

©Joe Pugliese

Occidental Petroleum

Estimated net worth: $700 million

Angrier shareholders will cheer when Irani, the third-highest-paid U.S. CEO of the past decade, sets a future retirement date this fall. He'll still get paid like a prince for years. Irani's $600 million in Oxy shares could benefit from a potential 1-billion-barrel find near Bakersfield, Calif., and high oil prices.

600,000 Pengguna 3G Sudah Beralih Ke Jalur Lebar (Broadband)

CYBERJAYA - Kira-kira 600,000 dari 7.9 juta pengguna perkhidmatan 3G telah beralih kepada perkhidmatan jalur lebar ketika ini, kata Menteri Penerangan Komunikasi dan Kebudayaan, Datuk Seri Dr Rais Yatim.

"Angka ini adalah angka yang besar dan angka ini menunjukkan bahawa dasar yang dibuat kerajaan kian lama kian memberi kesan," katanya ketika berucap di Majlis Rumah Terbuka Hari Raya Aidilfitri, Suruhanjaya Komunikasi dan Multimedia Malaysia (SKMM) di sini.

Turut hadir di majlis itu isteri beliau Datin Seri Masnah Rais, kedua-dua timbalannya Datuk Joseph Salang dan Datuk Maglin Dennis D'Cruz, pengerusi SKMM Tan Sri Khalid Ramli, serta wakil syarikat komunikasi.

Rais juga meminta kerjasama erat antara SKMM, media, dan industri komunikasi perlu diteruskan supaya penembusan jalur lebar boleh melonjak melepasi sasaran yang ditetapkan iaitu 50 peratus sebelum hujung tahun ini.

"Ia akan menjadi rekod yang ditunggu-tunggu oleh masyarakat di mana jalur lebar akan membawa pembaharuan kepada tamadun baru di Malaysia," katanya.

Kerajaan sebelum ini mensasarkan penembusan 50 peratus jalur lebar di mana sasaran itu akan meningkatkan Keluaran Dalam Negara Kasar (KDNK) tidak kurang dari satu peratus.

Ketika ini projek jalur lebar berkelajuan tinggi (HSBB) bersama Telekom Malaysia telah berjaya mempertingkatkan lebih dari 20 ibu sawat di kawasan Lembah Klang dan beberapa kawasan perindustrian bagi menyokong penyediaan perkhidmatan HSBB dan memberi liputan kepada lebih 300,000 premis.

Setakat Jun 2010, kadar penembusan jalur lebar sudah mencecah 36.1 peratus.

Menurut sumber, Timbalan Perdana Menteri Tan Sri Muhyiddin Yassin yang juga pengerusi jawatankuasa kabinet mengenai jalur lebar akan mengumumkan angka terkini penembusan jalur lebar pada akhir bulan ini.

Ketika ini terdapat kira-kira 16 juta pengguna internet di Malaysia.

Sumber- BERNAMA, 22 Sept 2010

skop tugas IT

1- Pegawai Teknologi Maklumat (F41):

Bertanggungjawab mengkaji kemungkinan kesesuaian sistem komputer yang sedia ada dan seterusnya membangun, menganalisis, mereka bentuk, melaksana, menyelenggara serta mengkaji semula sistem pemerosesan data dan maklumat bersesuaian dengan kegunaan jabatan.

2- Penolong Pegawai Teknologi Maklumat (F29):

Bertanggungjawab membangun program baru untuk sesuatu sistem gunaan komputer, mengembangkan sistem komputer yang sedia ada bagi memenuhi keperluan semasa, menyelenggara sistem dan memberi latihan serta bantuan teknikal kepada pihak pengguna.

3- Juruteknik Komputer (FT17):

Bertanggungjawab dalam tiga skop utama iaitu penyenggaraan sistem, penyenggaraan aplikasi dan operasi sistem. Menjalankan kerja penyenggaraan pencegahan dan penyenggaraan kelengkapan komputer, kerja peningkatan keupayaan komputer, kerja-kerja yang berkaitan dengan mempateri dan pemasangan kabel, melaksanakan instalasi program mengikut keperluan pengguna komputer, menjalankan ujian ke atas perkakasan dan perisian yang baru dibeli dan memberi khidmat nasihat kepada pengguna secara 'on-line' apabila menerima aduan mengenai kerosakan kecil serta merekodkan laporan kerosakan sekiranya kerosakan yang agak besar dan rumit.

4- Operator Mesin Prosesan Data (F11):

Bertanggungjawab memasukkan data-data yang akan diproses oleh komputer.

PENGUMUMAN (ANNOUNCEMENT)

SEMAKAN KEMASUKAN KE DIPLOMA PENDIDIKAN LEPASAN IJAZAH (DPLI) AMBILAN JULAI 2010
Semakan Keputusan Permohonan Kemasukan ke IPTA Program Pengajian DIPLOMA PENDIDIKAN AMBILAN JULAI 2010 : (Mulai 17 Jun 2010 - Khamis, jam 12.00 tgh)


SEMAKAN KEMASUKAN KE IPTA (LEPASAN STPM/ DIPLOMA) AMBILAN JULAI 2010
Semakan Keputusan Permohonan Kemasukan ke IPTA bagi Lepasan STPM/Diploma/ Setaraf Sesi 2010/2011 : (Mulai 18 Jun 2010 - Jumaat, jam 12.00 tgh)


SEMAKAN TAWARAN KPLSPM AMBILAN JUN 2010
Semakan Keputusan Temuduga & Tawaran Kursus Perguruan Lepasan SPM (KPLSPM) Ambilan Jun 2010 boleh dibuat di Laman Web KEMENTERIAN PELAJARAN MALAYSIA (KPM) :
SEMAKAN TAWARAN KPLSPM JUN 2010


SEMAKAN TAWARAN KPLI AMBILAN JUN 2010
Semakan Keputusan Temuduga & Tawaran Kursus Perguruan Lepasan Ijazah (KPLI) Ambilan Jun 2010 boleh dibuat di Laman Web KEMENTERIAN PELAJARAN MALAYSIA (KPM) :
SEMAKAN TAWARAN KPLI JUN 2010


PERMOHONAN TEMUDUGA eGST LEPASAN IPTA
Permohonan Dalam Talian Temuduga Guru Sandaran Terlatih (eGST) Keluaran IPTA bagi tahun 2010 boleh dibuat di:
APLIKASI PERMOHONAN eGST


KEPUTUSAN MEMASUKI PERKHIDMATAN AWAM GRED 41
Keputusan Peperiksaan Memasuki Perkhidmatan Awam SPA Gred 41 yang telah diadakan pada 10 April 2010 boleh disemak di:
SEMAKAN KEPUTUSAN SPA GRED 41


KEPUTUSAN MEMASUKI USM 2010/2011
Calon-calon yang telah mengemukakan permohonan untuk kemasukan ke Universiti Sains Malaysia, Sidang Akademik 2010/2011 boleh menyemak keputusan mulai 29 MEI 2010 jam 12.00 tengahari sehingga 31 MEI 2010 sebelum jam 5.00 petang. Keputusan permohonan ini tidak melibatkan permohonan ke USM yang dikemukakan bagi program PENDIDIKAN. SEMAKAN KEPUTUSAN KE USM


SEMAKAN PANGGILAN TEMUDUGA ISMP & DPLI JULAI 2010
Semakan panggilan Temu Duga Pendidikan bagi Kategori Ijazah Sarjana Muda Pendidikan (ISMP) dan Diploma Pendidikan Lepasan Ijazah (DPLI) bagi Sesi Julai 2010 boleh dibuat di Laman Web UNIT PUSAT UNIVERSITI, KEMENTERIAN PENGAJIAN TINGGI : SEMAKAN TEMUDUGA ISMP & DPLI JULAI 2010


SEMAKAN KEMASUKAN KE IPTA (LEPASAN SPM) JULAI 2010
Semakan Keputusan Kemasukan Ke IPTA untuk lepasan SPM boleh di buat di Laman Web KEMENTERIAN PENGAJIAN TINGGI (KPT) : SEMAKAN KEMASUKAN KE IPTA (LEPASAN SPM) JULAI 2010
atau terus ke Laman Web IPTA yang dipohon.


TARIKH PENTING UNTUK PERMOHONAN DPLI, KPLI & KPLSPM

15 April 2010 - Semakan Tempat Ujian MEDSI untuk calon DPLI & ISMP / Ujian MUNSYI

17 April 2010 - Semakan Calon Berjaya Temuduga KPLI (Calon MTEST Pertama dan Kedua)

26 – 29 April 2010 - Tempoh Temuduga KPLI

24 April 2010 - Ujian MEDSI ( DPLI & ISMP )

12 Mei 2010 - Semakan Panggilan Temuduga DPLI & ISMP

14 Jun 2010 - Semakan Keputusan Kemasukan KPLI & KPLSPM

17 Jun 2010 (12.00 tgh) - Semakan Keputusan Kemasukan DPLI

18 Jun 2010 (12.00 tgh) - Semakan Keputusan Kemasukan ke IPTA bagi lepasan STPM / Diploma

28 Jun 2010 - Tarikh Pendaftaran KPLI di IPGM

3 Julai 2010 - Tarikh Pendaftaran DPLI di IPTA

* Semua tarikh tertakluk kepada perubahan dari semasa ke semasa.
sumber: myadha

Utusan Malaysia Online - Wanita hanya isi kekosongan jawatan

Wanita hanya isi kekosongan jawatan

KUALA LUMPUR 24 Feb. - Penyertaan wanita yang semakin meningkat di sektor awam bukannya untuk bersaing dengan lelaki tetapi hanya bagi mengisi kekosongan jawatan yang berlaku.
Sehubungan itu, badan-badan bukan kerajaan (NGO) berkaitan wanita menyifatkan adalah merugikan kepada pembangunan negara jika jawatan itu dibiarkan kosong hanya kerana lelaki tidak berminat atau layak mengisinya.
Yang Dipertua Persatuan Siswazah Wanita Malaysia, Datin Fauziah Ramli berkata, wanita tertarik bekerja di sektor awam walaupun tidak menjanjikan pendapatan lumayan kerana masa depan lebih terjamin.
''Wanita sebenarnya begitu memikirkan kebajikan keluarga dan jika bekerja di sektor awam mereka tidak perlu bimbang takut dibuang kerja dan akan mendapat pencen untuk hari tua,'' katanya ketika dihubungi Utusan Malaysia di sini hari ini.

Utusan Malaysia Online - Dalam Negeri

50 Common Interview Questions and Answers (Part 1)

1) Tell me about yourself?

Ans: Give a short statement,so that it does not sound rehearsed.Limit it to work-related items unless instructed otherwise.Talk about things you have done and jobs you have held that related to the position u're interviewing for.Start with the item farthest back and work up to the present.

2) Why did you leave your last job?

Ans: Stay positive.Never refer to a major problem with management and never speak ill of supervisors,co-workers or the organization.If you do,you will be the one looking bad.Keep smiling and talk about leaving for a positive reason such as opportunity,a chance to do something special.

3) What experience do you have in this field?

Ans: Speaks about specifics that relate to the position you are applying for.If you do not have, get as close as you can.

4) Do you consider yourself successful?

Ans: You should always answer yes and briefly explain why. A good explanation is that you have set goals, and you have met some and are on track to achieve the others.

5) What do co-workers say about you?

Ans: Be prepared with a qoute or two from co-workers.Either a specific statement or a paraphrase will work.

6) What do you know about this organization?

Ans: Do some research on the organization before the interview.Find out the current issues and who are the major players.

7) What have you done to improve your knowledge in the last year?

Ans: Try to include improvement activities that relate to the job that can be mentioned as positive self-improvement.

8) Are you applying for other jobs?

Ans: Be honest but do not spend a lot of time in this area. Keep the focus on this job and what you can do for this organization.

9) Why do you want to work for this organization?

Ans: Sincerity is extremely important here and will easily be sensed.Related it to your long-term career goals.

10) Do you know anyone who work for this organization?

Ans: Be aware of the policy on relatives working for the organization.Be careful to mention a friend only if they are well thought of.