Sunday, 27 May 2012

Free Education


Recently, we are being heard about the hot debate regarding PTPTN issues between the opposition and our government. As far as I know, this is one the big manifesto from opposition that they want to apply and they promise to make it happen if they win in the next election. The issue is about demolishing the PTPTN and makes it as a free education.

To abolish PTPTN and government-loan systems as well as set up free education in Malaysia. It sounds great on paper but unfortunately; carrying it out may not be as simple.

These are only two of the better-known models of higher education financing – but it is already evident that there are numerous possible policy configurations. The efficacy of a policy solution depends on national circumstances. As such, we urgently need to evaluate Malaysia’s educational circumstances in light of other models, and in interaction with other policy spheres, such as tax structures and the labour market. 

To make the decision will need to cater fhe increasing number of students every year and It also must include the factor for the increasing tuition fees pushed upwards by inflationary pressures.

When these two factors combine, it will mean one thing: the total amount of cost will keep increasing every year.

Unless Malaysians in general got bored of sex or God forbid there is a famine, war or an epidemic, our population will continue to grow. And unless we are in a prolonged recession that causes deflationary pressure to bring our prices down, then tuition fees will continue to rise

Whether free education is the right alternative, it is still open to debate. But the issue at hand is - PTPTN, more suitable mechanism to manage higher education financing must be found to create a better policy in giving education finance.

PTPTN serves to finance the need for higher education for hundreds of thousands of students year after year. The money loaned-out is used primary to settle tuition fees as set by the institution of higher learning.

Perhaps government need to look into standardize the tuition fees for public university as it is now very from one to another. UiTM for example have the lowest tuition fees compare to other public universities in Malaysia.

For private collage, government should look into regulate to insure that the tuition fees in not overprice and based on the quality of course deliver.

For critical professional courses like accounting, engineering or medic that provide twin programme with international university in private collage, government should at least subsidize a percentage of the cost of the tuition fee as part of incentive for the student.

Student loan (PTPTN) is still relevant to cover the cost of living however the government should work out a plan to minimize the cost for student to borrow so it will not burden the student in the future.

We can improvise the PTPTN by changing it to an Islamic interest plan and dropping down the level of interest. In issue of repayment, PTPTN could take a leaf out of the EPF’s mechanism that deducts a certain amount of money from a graduate’s monthly salary until the loan is settled and makes it compulsory. Waiting and expecting defaulters to pay back on their own initiative will be a long and painful process that makes no difference to the current situation.

The only reason why PTPTN is facing so much trouble is because of its lack of enforcement in loan recovery. Though the corporation has tried many methods, including blacklisting that prevents defaulters from leaving the country – this has been met with criticism and backlash by the very same people who borrowed from the money

Personally, I do believe that the Malaysia can move towards free education but surely it will take time to create a very good framework.

As for parents, it’s a good thing if we just can start to open a bank account for our children education in the future. It is far more better way than just to brag out of an issue like this. I believe we have better things to do and better thing to think of.

Note: Still working to repay my MARA loan

Sunday, 20 May 2012

Good will Hunting (From Zero to Hero)


Today so let me share a story to lift up your spirits:

Gac Filipaj fled from war-torn Yugoslavia to work in the United States in 1992. When he arrived, he was unable to speak a word of English. He then worked at Columbia University as a janitor in order to take English classes tuition-free. He spent the next 20 years working and studying courses until he finally graduated a bachelor’s degree in classics with honors.

Every year, during this graduation month, there is at least one media story of a recently graduated high school or university student who over come one of entrenched social issues to get to one of the country's top schools. 

They even made an Emmy-nominated film of Liz Murray, the girl who was homeless at 15 and later earned a spot at Harvard University "From Homeless To Harvard"
  
Liz Murray has triumphed over adversity to become a stunning example of the importance of dreaming big.  The child of cocaine-addicted parents in the Bronx, Ms. Murray's early life was bitterly grim.  Homeless at the age of 15 after her mother died from AIDS and her father moved to a homeless shelter, she lived on the streets, riding the subway all night, and eating from dumpsters.  Supporting herself and her sister, she imagined her life could be much better than it was. Determined to take charge of her life, Ms. Murray enrolled in the Humanities Preparatory Academy in New York and, despite starting high school later than most students, she graduated in only two years while camping out in New York City parks and subway stations.  She overcame incredible odds again when she received a full scholarship and acceptance to Harvard University. Now she makes her living as a motivational speaker for people wanting to change their circumstances.

Both of them left many of us with a few tears in our eyes and the challenge to always have the courage to transform our lives and the lives of others. Such stories inspire our soul.

Note:- Wishes somebody make a book of the secret of my success

Sunday, 13 May 2012

Musang Berjanggut & Glass Slipper

 

About 2.5 million Malaysians aged 25 and above are unmarried. And there are more single men than women and “many cite financial problems as a reason”. And there could also be other reasons.

Marriage is a serious matter and if you aren’t ready, do not take the plunge. You can be in much trouble if you do. Many today are, and are seeking ways out. Do not be one of them.
A marriage needs full commitment. Some aren’t ready to commit as yet so they delay marriage. Some sadly do not marry at all.

Marriages must be sustained and improved upon. Society today acknowledges that keeping a marriage going requires skills that include communication, understanding, appreciating and accommodating different personalities, and understanding the process of marriage itself.

Contrary to the assumption that everything will naturally come together in a relationship, marriage takes work. It also needs support and advice from others.

Some wedding course before a wedding can highlight the strengths, weaknesses and uniqueness of each party, helping them to better understand their partner and their relationship.

Successful marriages are not “perfect” or “made in heaven”, but rather well managed. They accept the realities of day-to-day life, and work within them.

And there seems to be a phenomenon today that those who are in a marriage want out and those who are out want in. What a paradox!

And take this from me, loving someone forever is an ideal, and most it take a lot of commitments.

The saying is: Marriages are decided in heaven and made on Earth, meaning God planned the partners and the marriage is done on earth by man.

In the old days, marriages were fixed by parents who chose the partners, arranged the dates etc.

Back then, people used to get married in the early 20s. Their joint earnings were enough for house, a car loan and enough to bring up their kids. Maybe this was because it was much cheaper then.

Today, youngsters are too independent and parents have little or no say in their children’s marriage. The youths today prefer to enjoy life free of entanglement and give excuses such as financial problems; this could end up with them remaining single.

Marriage is always a gamble and never a bed of roses. Tolerance, cooperation and understanding between partners are necessary for a successful married life.

My advice to all of you that fall in that catagory  “Go all out, find partner of your choice, get married. For men please be like Tun Nila Utama (P.Ramlee Musang Berjanggut) & and for ladies please kiss more frog"

Saturday, 5 May 2012

The Pursue of Happyness





The first ever World Happiness Report has been made public and states that our best chance at a contented life is to pack up and move to Scandinavia.

Is it possible to measure the happiness of the world's population?

The report collated data from several different happiness measurement exercises worldwide to create a "life evaluation score", which took in not just wealth but also social factors such as political freedom, strong social networks and an absence of corruption as well as personal criteria including good mental and physical health, someone to count on, job security and having a stable family life.

It found that while "the happiest countries" tend to be wealthy countries, in these countries, GDP tends to play less of a defining role in how happy citizens are as compared to poorer countries. Instead, quality of life as opposed to quantity of money is important. As the report states: "At work, job security and good relationships do more for job satisfaction than high pay and convenient hours."
  
Malaysia is two-thirds above the rest. We are supposedly the world’s 51st happiest country, a spot over Thailand but way below Singapore’s position of 33rd.

The report reflects a new worldwide demand for more attention to happiness and absence of misery as criteria for government policy. It reviews the state of happiness in the world today and shows how the new science of happiness explains personal and national variations in happiness.

The report also listed a number of practical suggestions for governments to promote happiness among their citizens, including helping people meet their basic needs, reinforcing social systems, implementing active labour policies, improving mental health services, promoting compassion, altruism and honesty, and helping the public resist hyper-commercialism.

This means that there is now high world-level support for the demand that governments pay more attention to the happiness of their peoples when they form their policies. This is not, we emphasize, a matter of following the whims, fads, and consumer urges of the population. These do not, according to the evidence, lead to happiness. It is, rather, a matter of helping societies to find a path to what really matters more deeply and lastingly for well-being

We need to promote and advance the policies to prioritise the ideas and practices to attain higher levels of Human Happiness in Malaysia. After all we say that we are a Blessed Country. This is right, as we are fortunately free of natural disasters, we have considerable natural resources and plenty of land for habitation and cultivation. We are blessed with a multiracial, multi-religious and multicultural society, where our rich diversity can be our strength and attractiveness.

Note: Just happy to be in Malaysia. Home sweet Home!