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Vitual Tourist
A narrative on Malaysian life and other things
The restaurants get their supplies from middlemen who bought the animals from the Orang Asli.
A tiger in the black market could cost between RM100,000 and RM200,000 each but normally, the meat, teeth, whiskers and sexual organ are sold to different people.
For the full story...
The trussed-up dolls found strung upside down on a branch in the undergrowth near PJ Perdana in Paroi yesterday. |
SEREMBAN: The discovery of two packages in PJ Perdana in Paroi, near here, has caused a stir in the community.
TALL, suave and handsome. At 32, Zhang Zhen Hong will literally and metaphorically sweep any girl off her feet. If she’s not swayed by his prowess on the dance floor, she'll likely be won over by serenades and Canto pop.
But it's not just all salsa and showmanship. A respectable professional, Zhang holds a full-time job as a legal manager at a public listed company. His passion for law is equal to that for dance and song.
Pursuing a career as a singer did not seem a promising career for Zhang who is the second of four children from a traditional Chinese family. So he dutifully packed his bag and left for England to obtain his law degree.
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Promising start: Zhang, who won his first singing contest a the age of eight, has finally released his own album. |
Even while he was memorising cases and having his fill of Acts and provisions, he managed to take time off from the grind and put on his dancing shoes.
“I was reading law and taking dancing lessons at the same time!” says Zhang who now teaches salsa and hip-hop during weekends as a hobby.
Now that he earns a comfortable salary as a legal manager, his aim is to achieve his childhood dreams.
Born and bred in Kuala Lumpur, Zhang was just a few years old when it was clear that he had a talent for singing. However, his parents didn't take it seriously as they felt it was natural for most children to hum and sing along to songs.
Zhang took part in his first singing contest at the age of eight and won second place with a rendition of Mun Sui Qin San Zhong Xi Qing.
“I sing whenever I get the chance, in the shower, at home, in my car, at music studios and karaokes. It’s just in me. I love singing,” shares Zhang, who loves Canto-pop and Japanese pop music.
“Everyone has a childhood dream and mine is to sing and release albums,” he says, citing Tamaki Koji (lead singer of Anzenchitai) as his favourite Japanese singer.
“I was very active in musicals in my high school days and have had lead roles in My Fair Lady, and West Side Story.”
After returning to Malaysia with a law degree, Zhang got himself a job and continued taking singing classes after work and even managed to take part in the singing contest organised by the Malaysian Philharmonic Society in 2004.
“I was a finalist at the contest and I sang a song by Glen Mederos titled Nothing Is Going to Change My Love for You,” says Zhang who started composing at the age of 16 and wrote his first song to a girl he liked. Like a sad song, his romance didn't take off.
He managed to get a few production houses to help him produce his first album Shou Hou, which was released just a week ago.
When asked why a Chinese album, Zhang replied: “I grew up with Chinese music and am more inclined to sing in Chinese.”
“It took me three years to come up with this album. My work schedule is hectic and I can only record during my free time.”
He says he composed the entire melody in the album and wrote half of the lyrics. His inspiration came from poems, articles, and personal experiences.
“It’s comforting that I am finally able to release my first album and realise my childhood dream. I will continue producing more albums,” enthuses Zhang.
“I am living my dreams!”
Sticking it out with a job you hate could cause your performance and attitude to suffer, damaging your reputation and future job prospects, according to John Challenger of employment consultants Challenger, Gray & Christmas.
Some of the most common reasons Challenger cites for regrets over a new position are that the job differs from what the jobseeker expected, or the new employee doesn't get along with co-workers or perform well.
To avoid winding up in the wrong job, Challenger offered the following tips:
Before starting your job search, identify "must have" and "like to have" characteristics of the position you hope to land. Once you receive an offer, evaluate how many of each would likely be fulfilled. Don't compromise on "must haves."
Avoid rushing to accept. Most companies will give job candidates time to consider a job offer.
Talk to friends and family about all aspects of the position and solicit their honest opinions. They know you better than the hiring manager who interviewed you.In this final article on retirement planning, the Financial Planning Association of Malaysia (FPAM) puts forward 21 recommendations to help Malaysians prepare for their future.
EDMOND Cheah, immediate past president of the FPAM says, “If we’re fortunate to live long enough, we all have to retire one day. So, make realistic decisions on the timing of your exit from the workforce.” Here are 21 steps to help you plan well for the golden years.
1. Face your future honestly
Extensive retirement studies show that those who exercise control over when they retire live happier lives than those who wait to be put out to pasture by others.
It is important to not make dangerous assumptions about the future. U Chen Hock, President of the FPAM observes, “Malaysians generally still harbour expectations of their children looking after them in retirement. However, I advise parents to be pragmatic in planning for their children’s education to the extent they can afford it without jeopardising their own retirement funding plan.” Of course, there is no harm in aiming to tilt the odds in your favour (see recommendation 18)!
2. Exercise delayed gratification
Financial planner Rajen Devadason says, “Those who adopt a delayed gratification mentality early in life often discover a decade down the road that this mindset is the most dependable key to future wealth.”
3. Start yesterday, failing which start today
The time value of money tells us money today is worth more than the same amount tomorrow. This is best understood by realising RM1,000 today will be worth RM1,030 one year from now if it is deposited in a 3% one-year fixed deposit (FD) account. This ability of money to snowball over time is termed compounding. Mike Lee, managing director of CTLA Financial Planners Sdn Bhd, says, “Compounding your savings and your returns early in life is always a better strategy than hoping to catch up later.”
4. Save your money
Two effective ways to save money are to first set aside savings before allowing any other outflows each time you receive your salary, and second, to manage your cash flow effectively.
Even those who have let time slip by can benefit from saving money. Wong Loke Lim, honorary secretary of the FPAM, explains: “While it’s obviously better to start saving early, it is never too late to start even if you’re already close to retirement. This is because every ringgit saved will help cover retirement expenses.”
5. Teach yourself about financial planning
Take personal responsibility for educating yourself about financial planning. The bookstores are filled with awesome resources. Cheah says, “It is vital that those who are serious about succeeding in retirement begin thinking and reading about it as early as possible.”
6. Write down your goals
Retirement specialist Devadason says, “Over many years of consulting, I’ve discovered that my most successful clients have goals that are clearly written in personal, positive and present tense terms.” It is therefore wise to write down your own retirement planning goals in the same way.
7.Fine-tune your preferred future on paper
The earlier you begin writing down your dreams for the perfect retirement, the more time you will have to tweak those aspirations into concrete written goals. It is important that personal control is exercised in this matter. FPAM honorary secretary Wong says: “Loneliness, loss of respect, expensive medical bills – these are just some possible negative aspects of retirement which must be taken care of.”
As for the financial dimension, Cheah elaborates, Be practical; know that you will have to compromise and adapt to possible changes to your lifestyle.”
8. Beef up your net worth
Your net worth is measured by your net worth statement. This lists all your assets and all your liabilities. If you total each column, the difference between assets and liabilities is your net worth. In corporate terms this is equivalent to a company’s net book value. We should focus on boosting our store of productive assets that generate passive income for us in the form of dividends, rental and interest. At the same time, we should eliminate all forms of bad debt that suck up our financial resources.
9. Create your own pension
Some government servants can look forward to a lifetime public sector pension that’s equal to half of their final drawn salary. Others contribute to EPF, just as most private sector workers do. K.P Bose Dasan, Securities Commission-licensed financial planner with Standard Financial Planner Sdn Bhd, maintains, “Retirees must have a pension. No pension, no retirement!” So, those without a government pension must take personal responsibility for creating their own. Devadason says, “The goal for everyone should be to proactively create multiple sources of income from investments and, perhaps, privately-held businesses to channel through a future pipeline of passive income.”
10. Purchase appropriate life insurance
Ultimately, people should aim to be self-insured. But the road toward such a large level of wealth is not easy. Along the way, those who are gradually building their net worth (see recommendation 8) ought to ensure they’re managing disability and premature mortality risk appropriately. Michael Tan Lib Chau, CEO of RHB Unit Trust Management, says: “Besides setting aside some savings for investment, it is also crucial to protect the loss of earning capacity. In other words I would encourage them to seriously look at life insurance coverage.” Toward that end, many financial planners believe a “buy term and invest the difference” approach is the most cost-effective route.
However, the danger lies in a possible lack of discipline being exhibited by some adherents of D-I-Y financial planning: They might choose to buy relatively cheap term life policies but then squander the rest of the money. In many cases, then, it would be wise to work with a reputable financial planner
11. Prepare for future inflation
A major factor in retirement funding calculations is future inflation. Saving money in the bank, while a great initial step toward financial freedom, is unlikely to generate returns greater than inflation. Therefore, focus on educating yourself on the damaging effects of inflation and the need to accept some level of investment risk.
12. Manage your investment risk
It is unwise to take on so much investment risk that you lose sleep and begin to develop ulcers. On the other hand, accepting too little investment risk is likely to hurt your long-term portfolio returns. Educate yourself to gradually elevate your risk appetite to at least moderate levels. Tan Beng Wah, CEO of CIMB Wealth Advisors Bhd, explains why the quanta of accepted risk should change with age: “In funding for retirement, the investor may start with an aggressive portfolio, then switch to a moderate one half way toward retirement, and then to a conservative portfolio when he or she is a few years from retirement.”
Knowing how to do this wisely requires either active self-education or the help of a trusted advisor or, preferably, both.
13. Enslave your money
Don’t always work for your money. Make it work for you. Steve L. H. Teoh, deputy president of the FPAM, notes, “Failing to plan is planning to fail!” This piece of advice is relevant to those entering retirement. Teoh explains, “From that point on, the wealth a person has accumulated throughout his working life will now have to work for him instead.” The larger that pool of resources and the harder it works for the retiree, the better the quality of life in retirement.
14. Hone your career skills
Do what you can today to extend your employability through enhanced skills development.
15. Target greater tax efficiency
Bose, a tax specialist, notes, “To retire well, you have to accumulate a healthy sum in your retirement portfolio. It helps, therefore, to take advantage of all possible tax incentives available in Malaysia.” A tax specialist in retirement planning can be of great value in this endeavour.
16. Tame the credit beast
Unnecessary interest spent on consumer debt instruments, particularly credit cards, sucks money away from possible retirement plans. Manage your total liability situation well.
17. Aim to be debt-free
While there is such a thing as good debt that ends up enriching us, most people are wired in such a way as to benefit from living a debt-free life. Therefore, if the prospect of one day becoming free of all liabilities appeals to you, make it a written goal and then act in a manner consistent with that desire. Teoh says, “Work toward attaining zero gearing in as short a period as is practical. Certainly settle all credit card monthly dues promptly and in full! Remember, there is always a cost to borrowing.” He recommends settling all liabilities by age of 50, or earlier.
18. Train your children well
In the decades ahead, it will be difficult for even the most filial of children to fully fund their parents’ retirement needs. But if you are able to instil even a partial sense of responsibility in your children as they mature, you might be able to derive a steady, modest flow of income from them. This possibility should not in any way alleviate your own responsibility for funding your own retirement through intelligent saving and investing.
19. Clarify your legacy
Write a will. Consult a reputable will writer or a lawyer familiar with probate matters. Ong Eu Jin, chief operating officer and director of OSK Trustees, and author of Can Wealth Last Three Generations, says: “It is important to have a will. Also, parents with minor children should consider creating a testamentary trust under their will.” Such a trust may be used to set aside specified liquid assets like bank deposits, unit trust funds and life insurance proceeds to meet children’s maintenance and education requirements in the event of an untimely demise by one or both parents.”
20. Make a difference
Aim to retire from work, not from life! Always focus on continuing to live a life of significance. This requires careful long range planning.
21. Engage the right financial planner
Sue Yong, executive director of Equity Trust (Malaysia) Bhd, notes, “To enhance your chances of succeeding in retirement, focus on building a good working relationship with a financial planner for the long-term. Such a professional may also act as a coach when we have gone astray from the agreed plan.” Financial planner Ken Lo of Money Concepts Corporation adds, “Because most people have little time, discipline, knowledge or expertise to manage their own financial affairs, they need to work with professionals to reach their financial goals.”
The first step in becoming adept at financial planning is focusing on self-education. That commitment alone will help most people enormously. For those who might want to pursue things further, please visit FPAM’s website at www.fpam.org.my for a free downloadable copy of “Insights to Choosing A Financial Planner” as well as to search and access the directory listing for licensed and qualified financial planners.
3 - 5 August 2007 | KL Convention Centre, Kuala Lumpur (Route Map) |
10 - 12 August 2007 11:00 am - 9:00 pm | Johor Bahru City Square, Johor |
16 - 18 August 2007 11:00 am - 9:00 pm | KB Mall, Kota Bharu, Kelantan |
17 - 19 August 2007 11:00 am - 9:00 pm | Mahkota Parade Melaka |
By MAZWIN NIK ANIS
PUTRAJAYA: Think hard and long before giving up your citizenship.
Prime Minister Datuk Seri Abdullah Ahmad Badawi warned that Malaysians who did so could not hope to get it back again.
“The Home Affairs Ministry has made a decision to allow citizens to surrender their citizenship. The ministry has its own reasons to give their approval for this.
“However, there is one thing that Malaysians must know and which I want to stress here. Those who have given up their citizenship cannot get it back if they suddenly want to become Malaysians again,” he told reporters after the Internal Security Ministry's monthly gathering here yesterday.
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Briefing for the PM: Abdullah and his wife Datin Seri Jeanne Abdullah listening to an explanation on seized items by Mohd Rahimi Ibrahim from the publication control department of the Internal Security Ministry after the ministry’s monthly gathering in Putrajaya. |
Of the figure, 70% or 79,100 were Malays, 25,107 Chinese, 1,347 Indians and 350 of other races. Marrying a foreigner was the main reason given by women while most men cited better career options.
The preferred top five destinations of ex-Malaysians were the United States, Australia, Taiwan, Singapore and Indonesia, according to Tan.
Umno information chief Tan Sri Muhammad Muhammad Taib said the high number of Malays emigrating was not a cause for concern but it would be good to know why they wanted to leave their homeland.
Muhammad said the need to “move around and see places” was in their blood as their forefathers were seafarers.
“In a sense, the Malays are just doing what their forefathers did. Travel and see the world. Venture into new areas and the unexpected,” he said.
“Individuals of other ethnic groups also emigrated to other countries. Even the Chinese and Indians surrendered their Malaysian citizenship, so it should not be an issue if the Malays did so too,” he added.
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When she was 20, Mito Kiyoi of Kyoto, Japan started working in Narita Airport near Tokyo. After six years, she had had enough and decided to apply for a job with the hotel industry in South-East Asia.
She clinched a job in Langkawi with the now-defunct Sheraton Perdana Resort.
She didn’t know where Malaysia was but thought she could come here and sharpen her English skills.
“It was a big change coming from chaotic Narita to a tranquil tropical island,” recalls Kiyoi, now 36.
Then she met a Chinese guy from Alor Setar, a tour guide who frequented the hotel. Kiyoi was really impressed by his ability to switch tongues. One second he spoke Japanese, the next Malay, and then he would speak the different Chinese dialects.
Vincent lived and studied in Japan for four years, so the two of them could relate to each other well.
“He’s not any different from a Japanese guy. In fact, he’s very flexible and understands me well,” says Kiyoi, who speaks fluent English. “I’m very lucky.”
After they got married in 2001, she quit her job and they set up a small souvenir shop in Kuah.
“We love small towns and quiet places so we decided to make Langkawi our home,” says Kiyoi.
Today, the couple runs two fine jewellery and handicraft shops in two shopping malls. (Kiyoi comes from a Kyoto family with a tradition in the jewellery business). Most of the fine jewellery pieces in their stores are manufactured in Italy, and the stones are from Mozambique, Israel, Kenya, Japan and Australia.
Kiyoi also incorporates local designs like the hornbill and hibiscus into her drawings for the designers.
In the past 10 years, Kiyoi has seen Langkawi grow into a bustling place.
“When I first came here, it was very kampung. Now there’s a supermarket everywhere, and it’s quite convenient,” says Kiyoi. “The first time I tried sambal belacan, it was too spicy. Now I’m addicted to it. It’s hard to eat my food without sambal belacan.”
Kiyoi and Vincent are thinking about retiring in Japan, but for now, they are happy where they are.
Seven years ago, when her sister asked her to come to Malaysia for three months to help out at her new restaurant, Luan Morgan didn’t know what to expect.
She couldn’t point out Malaysia on the map and had never left Europe.
“As I flew into Langkawi, I could see Bon Ton Resort with its traditional Malay houses and the lovely, lush greenery. Before the plane even landed, I felt like I had come home!” says Morgan, 36, who was then a secretary in London.
“It’s the most bizarre thing, and I wasn’t even remotely scared or anything.”
For Morgan, it was love at first sight. On her first week here, her sister took her to Phuket. She experienced culture shock and couldn’t wait to return to Langkawi.
“In England, you’re judged by what you wear, how much your salary is, your car, and how well-connected your family is. It was utterly superficial,” says Morgan.
“Here, people would talk to me even if I were the pot washer. It made no difference to them. I love that!”
The first house Morgan lived in had no hot shower or fridge. She found it refreshing to get back to basics. Her sister already had an established circle of friends so there was no problem socialising.
Besides, the locals were friendly and English was widely spoken.
“I had the softest introduction to Asia you could possibly ask for,” admits Morgan. “But I’m a total Mat Salleh when it comes to spicy food – I can’t handle it. My sister ran an Italian place, so food wasn’t a problem.
For almost a year, Morgan partied hard and every sen she earned went straight to the bar. Then one night, at a friend’s party, she met a guy who changed her life. Raden Mustaffa, 41, was everything Morgan liked in a man.
“He makes me laugh. He’s very intelligent, a real gentleman, and talks to me like a person,” says Morgan, gushing.
The problem was, Raden was already married with kids. But the two couldn’t ignore the strong chemistry between them. Langkawi being a small island, people talked, and Morgan couldn’t escape the gossip.
“I know this sounds awful, but I knew my place as a mistress,” says Morgan. “So if our plans got dropped, and he had to go running off to his family, I had no right to kick up a scene. I chose to be in the relationship.”
Their relationship grew and when they decided to have a child, marriage seemed the next logical step. When she told her parents, they were worried sick.
“They had visions of me living in some beach hut with a dreadlocked beach boy,” Morgan chuckles. “Then they came over here, met Raden (a marina manager), and found that he’s respectable and looks after me well. Now they love him to bits.”
Morgan’s mom, in her 60s, comes from south England. She and her friends are pretty conservative.
“So here she is with a coloured son-in-law. That makes her very cosmopolitan among her friends,” she adds laughing. But Morgan found herself constantly on edge when she and Raden went back to England for a visit.
“When I told people he’s Malaysian, they said, ‘No, he’s Paki (a derogatory word in UK for anyone who looks Indian)’,” says Morgan. “Over here, I never once felt threatened because I am a different colour. I’ve friends who’re Malay, Chinese and Indian.”
Morgan says she prefers to bring up her son here.
“I think he’d learn more being out here than he would in England. I want him to learn about the different cultures and religions,” says Morgan, now a homemaker. “I think the education here is good enough. If he’s determined and works hard, he can achieve whatever he wants.”
Morgan doesn’t mind having to share her husband with another woman.
“I see myself as the second wife, and I feel like I’ve intruded on her life. But he never lets us feel lesser. He takes care of all our needs and never complains.”
Raden’s parents and siblings have accepted Morgan as part of the family.
Does Morgan see herself being stuck in Langkawi?
“For me, Langkawi isn’t cut-and-dry ‘this is it’. It doesn’t feel like a dead end. There’s so much potential here. There are still things I don’t know about the culture, the people. There are things that I still don’t know about Raden because we come from such different backgrounds.
“I guess that’s what keeps the relationship going.”
By LEONG SIOK HUI I didn’t decide to stay – I just fell in love!” says Tanja Bindemann when I asked why she decided to settle down in Langkawi. Nine years ago, Bindemann was a carefree, single German girl visiting Langkawi. She ran into an ex-boss’ friend who offered her a job as a German tour guide. “I liked my job (as a draftsman in an engineering firm) back home, so I wasn’t planning to move. But when I got home (near Frankfurt), it was grey and -17°C, so I thought: ‘Ok, maybe I’ll do this for a few months, just for the fun of it’.”
So Bindemann took a year’s unpaid leave and returned to Malaysia. In between her tour guide job, she waited tables but this landed her in the Kuah police station.
“Someone told immigration I didn’t have a work permit so they locked me up for one night and released me with a stern warning,” says Bindemann, smiling.
“I just wanted to have fun and go home. I never even fell in love with Langkawi. For me, it was just an island,” admits the 37-year-old.
But at the end of her one-year-stay, Bindemann had fallen head over heels in love with Langkawi resident Rosle Khalid, now her husband.
“I was so madly in love,” says Bindemann. “But it was important to go back because I still had a job and I wanted to make sure our relationship wasn’t just a holiday romance.”
Over the next 12 months, the couple chalked up massive phone bills and travelled back and forth to be with each other.
Reality hits
Then someone offered the couple a chance to run chalets for backpackers on the island. So, they put a deposit down and Bindemann moved to Langkawi for good. At the time, Rosle (everyone calls him Oli) was doing landscaping jobs for hotels.
“When you’re in love, you believe everything’s going to work out because it has to,” says Bindemann. “But once the butterflies are gone, reality sinks in.”
Running the chalets kept Bindemann busy but after a while she got sick of cleaning up after messy backpackers. The couple, still unmarried, also found it hard to escape the religious department’s prying eyes, so in 1999, they got married in Penang.
Since Oli’s parents live in Kuala Lumpur, Bindemann only sees her in-laws once or twice a year. Their son Noah is seven now. Five years ago, they set up their first Italian restaurant, the Red Tomato Garden Café, a popular fixture with tourists on Pantai Cenang.
“To me, wherever you are in the world, if you don’t have friends, you won’t be happy. I have a few good friends now, mostly couples from intercultural marriages like locals married to foreigners,” she says.
Things are going well for Bindemann and her family. They opened a second restaurant by the beach called Red Tomato Splash Beach Cafe in 2004. Her days are spent taking care of their son, baking fresh German breads, and running the business. But deep down, Bindemann is a city girl at heart.
“Nothing happens here,” sighs the peppy lady who practises pilates and is training for a half-marathon next month. “I miss going to a nice concert, and dressing up for the evening other than just wearing beachwear all the time.”
Bindemann escapes to Kuala Lumpur twice a year, if she can, to revel in the city’s chaos and energy. It’s been six years since she went back to Germany. She misses her family and friends, but not the country. Her son speaks Malay, English and Chinese and goes to a Chinese primary school.
“Looking back, if you’d told me what I was going to go through when I moved here, I would have said, ‘You must be out of your mind’,” says Bindemann, who is frustrated with the red tape here when it comes to things like applying for a passport for Noah.
But her husband Oli, 49, loves the place and can’t imagine staying anywhere else, she shrugs.
“I’ve no idea if I’m going to stick around for a long time. But we have friends here, we’re building a house, and the restaurants are doing well,” says Bindemann, who can now get ample supply of her favourites things – Italian coffee, German bread and French cheeses.
“We can’t have everything in life. But life is good.”
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