Hari ni ada menyembang dgn Mr X pasal taufan.
MrX: perasan tak kalau taufan tg gile2 semuanya nama perempuan...
MrX: taufan katrina, taufan lily, taufan adrina
azura: a ah....
azura: sape la yg kasi nama tu
MrX: http://www.fema.gov/kids/hunames3.htm
MrX: coz ada org kata dia ikut emosi perempuan...
Ye ke taufan ni ikot emosi pompuan? Erm... ????
Monday, June 30, 2008
Sunday, June 29, 2008
Lega
Pagi tadi aku pergi membayar bil kat pejabat pos. Sempatla jugak aku menyimpan duit sikit dalam ASB. Lega rasanya bulan ni dapat menyimpan duit kat ASB.
Dah lama tak menyimpan duit kat bank. Dulu aku selalu potong terus gaji untuk simpanan kat Tabung Haji. Tapi semenjak-semenjak dekat-dekat nak kawen dan selepas kawen ni tak sempat-sempat nak menyimpan. Financially memang tak berapa nak stabil sikit lepas kawen ni. Banyak duit habis digunakan untuk persiapan kawen dulu. Selepas kawen pulak duduk berjauhan dengan hubby memang costing dan kami berdua nak buat planning pun susah sebab belum dapat nak agak lagi situasi kami in future.
Bila duit simpanan takde kat bank memang aku jadi risau. Mana nak cekau duit kalau ada apa-apa jadik. Bukannya hubby tak dapat nak tolong, of course dia akan tolong cumanye better kalau aku ade duit simpanan sendiri. Sama-sama tolong menolong kata orang. Barulah rasa terjamin sikit. Lagipon dalam keadaan sekarang ni yang tak berapa menentu, yang katanya dekat-dekat nak gawat ni kena bijak merancang kewangan dan memang penting ade duit simpanan, cuba mengurangkan hutang dan hidup dalam keadaan serba berjimat cermat. Yang paling penting sekarang cuba untuk menyimpan duit gaji setiap bulan dan cepat-cepat pindah keje ke KL.
Dah lama tak menyimpan duit kat bank. Dulu aku selalu potong terus gaji untuk simpanan kat Tabung Haji. Tapi semenjak-semenjak dekat-dekat nak kawen dan selepas kawen ni tak sempat-sempat nak menyimpan. Financially memang tak berapa nak stabil sikit lepas kawen ni. Banyak duit habis digunakan untuk persiapan kawen dulu. Selepas kawen pulak duduk berjauhan dengan hubby memang costing dan kami berdua nak buat planning pun susah sebab belum dapat nak agak lagi situasi kami in future.
Bila duit simpanan takde kat bank memang aku jadi risau. Mana nak cekau duit kalau ada apa-apa jadik. Bukannya hubby tak dapat nak tolong, of course dia akan tolong cumanye better kalau aku ade duit simpanan sendiri. Sama-sama tolong menolong kata orang. Barulah rasa terjamin sikit. Lagipon dalam keadaan sekarang ni yang tak berapa menentu, yang katanya dekat-dekat nak gawat ni kena bijak merancang kewangan dan memang penting ade duit simpanan, cuba mengurangkan hutang dan hidup dalam keadaan serba berjimat cermat. Yang paling penting sekarang cuba untuk menyimpan duit gaji setiap bulan dan cepat-cepat pindah keje ke KL.
Thursday, June 26, 2008
Sunday, June 22, 2008
Gegar Balok 2008
Alhamdulillah dah selesai Gegar Balok 2008.
Hari Pertama (21 Jun 2008)
Hari sabtu tu pagi-pagi lagi dah bangun nak prepare ape-apa yang patut untuk dibawa ke Balok. Sempat lagi basuh kete dan buat sandwich.
Lebih kurang pukul 12.45 tgh sampaila rombongan Cik Kiah dari KL yang diketuai oleh hubby. Aku menunggu di stesen minyak caltex kat simpang masuk ke taman ku. Lepas pegi beli air RO kat kedai runcit kami terus bergerak ke Balok. Sesampai ke Balok, kami makan tengahari lepas tu terus ke tempat perkhemahan. Masa sampai tu dah ramai org kat tapak perkhemahan. Orang MPK bagitau hari tu ada 3 kumpulan yang berkhemah disitu. Tempat khemah kitorg pulak ditengah-tengah tapak perkhemahan. Cumanya jauh sikit dari surau dan tandas. Penatla jugak berulang alik dari tempat khemah ke tandas. Ni la first time bercamping selepas habis alam persekolahan. Memang dah lama giler tak camping. Petang tu kitorg cuma buat aktiviti bebas. Ada yang mandi laut, ada yng main bola tampar pantai dan ada jugak yang membuta. Angah, wan, deling dan arc pulak gi cari sata. Aku petang tu takat melepak je tepi laut tengok orang. Ye la kalau nak mandi laut, anytime je boleh pergi kan? hehehhehe
Malam nye pulak, ada aktiviti barbeque. Tepat-tepat jam 6.30 caterer tu hantar benda-benda yang dah dimarinate untuk dibakar. LB, hubby, angah, par dan sape lagi yang bakar makanan tu semua. Yang bestnya makanan dan jajan memang banyak sebab ramai yang sponsor makanan dan jugak air mineral. Malamnye pulak geng-geng bujang main bakar kertas (betul ke nama permainan tu?). Geng-geng pompuan yang dah kawen lak bercerita hal ehwal orang dewasa. Budak-budak main kejar-kejar. Geng-geng yang stay kat hotel terpaksa balik awal, maklumle jalan balik ke hotelnya gelap. Kan best kalau dorang boleh stay lagi sampai ke pagi terutamanya fara yang tetap bersemangat untuk stay walaupun anak-anaknya sudah tertidur kat tempat melepak tu. Hehehhehhe padahal aku pukul 12 lebih tu dah masuk khemah. Ngantukle....ada lagi yang stay ke pagi. Tapi malam tu memang tak berapa nak lena sebab banyakle nyamuk kat area khemah aku tu. Dahle khemah nye berlubang senang nyamuk nak masuk.
Hari Kedua (22 Jun 2008)
Hari ahadnye pulak 6.30 pagi dah bangun. Dah siap solat, kejutkan hubby bangun. Konon-kononnya pagi tu nak mandi laut so pergile berjalan ke laut dengan ima. Tapi sejukle. So, cancel mandi laut. Aku takat dok kat tepi pantai dgn Ima dok menyembang sambil tengok delin, deo, jijo, aisyah and combi mandi, dorang ni awal-awal lagi dah terjun ke laut. Pagi tu pulak ade org pukat ikan, so dapat le tgk dorang memukat ikan dari dekat. Pastu ade sesi bergambar ramai-ramai pakai baju merah. Aku yang dah siap mandi masa tu dan dah tuko baju takdela nak pakai baju merah lagi. Rugi betul. Lebih kurang pukul 1, kitorg bertolak keluar dari tapak khemah and singgah makan kejap kat Restoren Alif kemudia bertolak pulang.
Ade beberapa anugerah yang sesuai diberikan untuk gegar kali ni
1. Peserta paling hot aku rasa sesuai diberi kepada jijo. Selalu sangat ada je cerita/gosip pasal dia samada dia sedar atau tidak. Tapi dia tetap maintain buat tatau je...
2. Khemah paling cantik/kemas sudah semestinya milik Deo. Tak payah komen banyak2 tgk pun dah tau.
3. Penggosip yang paling tegar adalah Limah, Fara, Delin and Angah. Memang sesuai.
4. Raja interframe adalah Jijo (again?). Mana-mana gambar mesti ade muke dia. hehheheh ...jangan marah jijo, nanti kena jual....
Entry lain
1. Jijo
2. Fara
3. Delinn
Gambar
1. Kamera Delinn
Hari Pertama (21 Jun 2008)
Hari sabtu tu pagi-pagi lagi dah bangun nak prepare ape-apa yang patut untuk dibawa ke Balok. Sempat lagi basuh kete dan buat sandwich.
Lebih kurang pukul 12.45 tgh sampaila rombongan Cik Kiah dari KL yang diketuai oleh hubby. Aku menunggu di stesen minyak caltex kat simpang masuk ke taman ku. Lepas pegi beli air RO kat kedai runcit kami terus bergerak ke Balok. Sesampai ke Balok, kami makan tengahari lepas tu terus ke tempat perkhemahan. Masa sampai tu dah ramai org kat tapak perkhemahan. Orang MPK bagitau hari tu ada 3 kumpulan yang berkhemah disitu. Tempat khemah kitorg pulak ditengah-tengah tapak perkhemahan. Cumanya jauh sikit dari surau dan tandas. Penatla jugak berulang alik dari tempat khemah ke tandas. Ni la first time bercamping selepas habis alam persekolahan. Memang dah lama giler tak camping. Petang tu kitorg cuma buat aktiviti bebas. Ada yang mandi laut, ada yng main bola tampar pantai dan ada jugak yang membuta. Angah, wan, deling dan arc pulak gi cari sata. Aku petang tu takat melepak je tepi laut tengok orang. Ye la kalau nak mandi laut, anytime je boleh pergi kan? hehehhehe
Malam nye pulak, ada aktiviti barbeque. Tepat-tepat jam 6.30 caterer tu hantar benda-benda yang dah dimarinate untuk dibakar. LB, hubby, angah, par dan sape lagi yang bakar makanan tu semua. Yang bestnya makanan dan jajan memang banyak sebab ramai yang sponsor makanan dan jugak air mineral. Malamnye pulak geng-geng bujang main bakar kertas (betul ke nama permainan tu?). Geng-geng pompuan yang dah kawen lak bercerita hal ehwal orang dewasa. Budak-budak main kejar-kejar. Geng-geng yang stay kat hotel terpaksa balik awal, maklumle jalan balik ke hotelnya gelap. Kan best kalau dorang boleh stay lagi sampai ke pagi terutamanya fara yang tetap bersemangat untuk stay walaupun anak-anaknya sudah tertidur kat tempat melepak tu. Hehehhehhe padahal aku pukul 12 lebih tu dah masuk khemah. Ngantukle....ada lagi yang stay ke pagi. Tapi malam tu memang tak berapa nak lena sebab banyakle nyamuk kat area khemah aku tu. Dahle khemah nye berlubang senang nyamuk nak masuk.
Hari Kedua (22 Jun 2008)
Hari ahadnye pulak 6.30 pagi dah bangun. Dah siap solat, kejutkan hubby bangun. Konon-kononnya pagi tu nak mandi laut so pergile berjalan ke laut dengan ima. Tapi sejukle. So, cancel mandi laut. Aku takat dok kat tepi pantai dgn Ima dok menyembang sambil tengok delin, deo, jijo, aisyah and combi mandi, dorang ni awal-awal lagi dah terjun ke laut. Pagi tu pulak ade org pukat ikan, so dapat le tgk dorang memukat ikan dari dekat. Pastu ade sesi bergambar ramai-ramai pakai baju merah. Aku yang dah siap mandi masa tu dan dah tuko baju takdela nak pakai baju merah lagi. Rugi betul. Lebih kurang pukul 1, kitorg bertolak keluar dari tapak khemah and singgah makan kejap kat Restoren Alif kemudia bertolak pulang.
Ade beberapa anugerah yang sesuai diberikan untuk gegar kali ni
1. Peserta paling hot aku rasa sesuai diberi kepada jijo. Selalu sangat ada je cerita/gosip pasal dia samada dia sedar atau tidak. Tapi dia tetap maintain buat tatau je...
2. Khemah paling cantik/kemas sudah semestinya milik Deo. Tak payah komen banyak2 tgk pun dah tau.
3. Penggosip yang paling tegar adalah Limah, Fara, Delin and Angah. Memang sesuai.
4. Raja interframe adalah Jijo (again?). Mana-mana gambar mesti ade muke dia. hehheheh ...jangan marah jijo, nanti kena jual....
Entry lain
1. Jijo
2. Fara
3. Delinn
Gambar
1. Kamera Delinn
Tuesday, June 17, 2008
Basic Deco & Cupcakes Hands on
4 hari spent masa bersama hubby memang best. Tak puas rasanye. Bila balik sini startla windu-winduan. Wokey nak citer pasal kelas Basic Deco & Cupcakes Hands on yang saya join pada 14 Jun 2008.
Perkara yang dipelajari:
Praktis buat Rose Bud yang tak berapa menjadi. Guna royal icing.
Choc cupcake. Deco guna chocolate ganache and chocolate curls.
Blueberry cupcake. Ada blueberry filling and blue berry topping.
Oreo cupcake. Susahnya nak buat swirl tu. 2 3 kali praktis atas board pun still tak menjadi dgn cantik. Inilah hasilnya. Taknak buat swirl yang tinggi-tinggi susah nak masuk dlm kotak nanti.
Buat deco bunga matahari.
Sunflower cupcake. Hasilnya. Tangan masih keras so tak cantik. Lynn kata sunflower yang saya buat tak berapa menjadi. Kelopak kedua kena tegak sikit katanya. Kena banyak praktis lagi.
Ini deco main-main namanya, takde motif langsung. Sungguh tak cantik. Guna pipping gel.
2 biji Cupcake Untuk hantaran. Guna fondant. Bunga pulak buat guna royal icing.
Akhir sekali Lynn demo deco sebiji kek. Bermula dengan potong kek untuk letak blueberry filling, kemudian gumkan cake tu. Kemudian Lynn demo camne nak licin kan cream pada cake. Last buat deco guna bunga-bunga yang telah dibuat guna royal icing.
Kelas hari tu habis lambat. Hampir pukul 0700pm baru habis. Hubby pukul 6pm dah sampai kat umah Lynn. Terpaksala dia menunggu lama. Kita kat dalam tu pun cuba habiskan cepat-cepat deco yang dibuat. Banyak benda dan tips2 yang takde dlm silibus yang Lynn nak share tu yang lambat sgt habisnya. Nak tinggalkan takut terasa rugi, jauh datang nak belajar kan, habiskan jugakla sampai ke akhirnya.
Membancuh Cupcakes
Membancuh buttercream & royal icing
Deco menggunakan
Deco menggunakan
- Piping gel
- Ganache choc – choc curls
- Filling cupcakes (blueberry)
- Membuat swirl cupcakes
- Membuat sunflower
- Membuat badut
- Cupcakes hantaran (fondant)
Pelajari teknik asas deco kek menggunakan royal icing
Pelajari teknik asas deco kek menggunakan royal icing
Ruffles ,Cornelli lace
Sotas
Drop flower
clown
star fill in
sweet pea / rose bud, shell
Venue : Sg Buloh
Masa : 10.00 am - 05.30 pm
Fee : RM160
Memang best sangat kelas tu. Banyak yang dipelajari dan Lynn pon tak kedekut ilmu, semua yang kita tanya walaupon takde dlm silibus dia ajarkan je. Sebenarnya dari tahun lepas lagi nak join kelas yang Lynn buat tapi asyik ada halangan-halangan je masa nak pergi. Dah 2 kali buat cancelation kelas so kali ni macam-macamane pun memang nekad nak pergi jugak. Awal-awal lagi dah mintak permission dari hubby nak pergi kelas ni. As usual, hubby memang sporting dan katanya pergilah....:D
Hari sabtu tu seawal 8.15am lagi kitorg dah keluar rumah nak ke Sungai Buloh. Terlupa pulak nak bawak apron dan kain lap. Singgahla umah MIL pinjam apron dan kain. Hehehehhe....pastu barulah teruskan perjalanan ke Sg Buloh. Dari Seri kembangan ke Sg Buloh agak jauh, dalam 45 min hingga satu jam perjalanan. On the way tu singgah dulu breakfast. Pastu hubby hantar ke rumah Lynn. 0930am lagi dah sampai umah Lynn, kiranya peserta pertama yang sampai. Sampai-sampai je tgk Lynn tgh sibuk buat persiapan untuk kelas. Malas pulak nak tlg, so duduk aje la...hehhehe
So kelas bermula tepat jam 1000 am. Semua sekali 7 orang yang join kelas pada hari tu. Mula-mula risau jugak, takut langsung tak menjadi deconya sebab tak ade basic langsung deco mendeco ni. Rejah je la. Kelas bermula dengan membancuh cup cake dan membancuh royal icing dan buttercream. Ni la gambar-gambarnya.
Buat badut. Anak buah hubby suka sgt, maybe dia suka deco badut tu kot.
Kelas hari tu habis lambat. Hampir pukul 0700pm baru habis. Hubby pukul 6pm dah sampai kat umah Lynn. Terpaksala dia menunggu lama. Kita kat dalam tu pun cuba habiskan cepat-cepat deco yang dibuat. Banyak benda dan tips2 yang takde dlm silibus yang Lynn nak share tu yang lambat sgt habisnya. Nak tinggalkan takut terasa rugi, jauh datang nak belajar kan, habiskan jugakla sampai ke akhirnya.
Itulah sedikit sebanyak cerita tentang kelas ni. Semua cake yang di deco boleh dibawa balik untuk dimakan.
Sunday, June 15, 2008
Update Pendek
Bersiaran dari Seri Kembangan dengan bantuan celcom broadband.
Gambar-gambar kelas cupcakes yang saya join pada 14 Jun 2008. Klik
Nak tgk lebih dekat hasil kerjaku? Klik
Update penuh akan dibuat kemudian. Buat sementara ni tgkla fotopages cekgu saya dulu.
p/s Saat-saat macam ni pon sempat update blog? huh
Gambar-gambar kelas cupcakes yang saya join pada 14 Jun 2008. Klik
Nak tgk lebih dekat hasil kerjaku? Klik
Update penuh akan dibuat kemudian. Buat sementara ni tgkla fotopages cekgu saya dulu.
p/s Saat-saat macam ni pon sempat update blog? huh
Monday, June 09, 2008
Sape Tau
Sapa tau macamane nak buat kalau kita ada masalah dengan Yahoo Massenger. YMku hari ni tetiba buat hal. Entah angin mana yang datang kacau dia, tetiba takleh nak onlinekan dia. Bila login dia boleh online tapi untuk tempoh masa tak lebih dari 3 saat. Pastu terus dia offline dgn sendiri. Geram betul rasanya. Dari pagi lagi try masuk tapi camtu la keadaannya.
Dah try tukar dari tak menggunakan proxy kepada guna proxy kat Preferences Setup tu. Tapi still jadi masalah yang sama. Try tanya member sebelah menyebelah tapi depa semua ok je takde masalah nak login pon. Sapa tau macamane nak buat supaya boleh online seperti biasa? Sila angkat tangan.....dan bagitau solutionnya...hehehhe
Dah try tukar dari tak menggunakan proxy kepada guna proxy kat Preferences Setup tu. Tapi still jadi masalah yang sama. Try tanya member sebelah menyebelah tapi depa semua ok je takde masalah nak login pon. Sapa tau macamane nak buat supaya boleh online seperti biasa? Sila angkat tangan.....dan bagitau solutionnya...hehehhe
Sunday, June 08, 2008
Apple Banana Cake
Ni resepi yang dicopy paste dari fp lynnhassan
----------------------------------------------------
Bahan A
2 biji telur
1 3/4 cawan gula halus
1 cawan minyak jagung
3 biji epal hijau kecil didadu kecil
3 biji pisang berangan dilecek
Bahan B
3 cawan tepung gandum
1tsp baking soda
1/2 tsp cinnamon powder
secubit garam
100g walnut dipatah-patah (tak payah toast)
Semua guna hand whisk sahaja Pukul telur dan gula sampai hancur. Masukkan minyak jagung, kacau lagi. Masukkan epal hijau dan pisang dalam adunan tadi.
Ayakkan bahan B , Gaul dengan walnut . Masukkan semua bahan dalam bahan A tadi.Adunan pekat, don't worry
Bakar dlm acuan yg telah diglis. Lynn pakai acuan 7"x 7"x3" dgn suhu 160 selama 50 min.Lepas keluar dari oven, biarkan 1 jam, baru keluarkan dari loyang. Hias dgn ayakkan gula icing
-----------------------------------------------------
Bahan-bahan untuk membuat kek ni memang bahan mudah didapati dan tak banyak. Saya guna minyak masak biasa sebab minyak jagung mahal dan saya tidak menggunakan minyak jagung dalam masakan kat rumah. Kolestrol sure tinggi bila guna minyak masak biasa. Apple pulak saya gunakan apple merah yang besar. Saya tidak masukkan walnut untuk buat kek ni.
Nasib baik untuk mix semua bahan-bahan cuma guna hand whisk je. Sebab kat rumah (kuantan) takde mixer untuk mixkan bahan-bahan. Ovennya pulak kecik secomel tuannya, loyang yang ada kat rumah tak muat nak masuk ke dalam oven. Solutionnya saya gunakan bekas pie yang kecik-kecik tu untuk bakar kek. Makanya jadilah macam kek cawan pulak.
Walau apepun, hasilnya tetap tidak mengecewakan saya. Memang sedap dan lagi sedap kalau ianya dimakan dikala masih panas sambil-sambil minum kopi atau teh :D.
p/s Thanks lynn sebab share resepi.
Wednesday, June 04, 2008
Read This
Fakta berkaitan kenaikan harga minyak sejak 2004
- Harga runcit petrol ialah RM 1.37 dan diesel RM 0.78 seliter pada 1 Mei 2004
- Harga runcit petrol ialah RM 1.42 dan diesel RM 0.83 seliter pada 1 Okt 2004
- Harga runcit petrol ialah RM 1.42 dan diesel RM 0.88 seliter pada 1 Mac 2005
- Harga runcit petrol ialah RM 1.52 dan diesel RM 1.08 seliter pada 1 Mei 2005
- Harga runcit petrol ialah RM 1.62 dan diesel RM 1.28 seliter pada 31 Jul 2005
- Harga runcit petrol ialah RM 1.92 dan diesel RM 1.58 seliter pada 28 Feb 2006
- Harga runcit petrol ialah RM 2.70 dan diesel RM 2.58 seliter pada 5 Jun 2008
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Dalam kesibukan kita berbicara pasal kenaikan harga minyak, aku terjumpa berkaitan artikel ini. Interesting....
Boleh baca jugak disini.
THE FINANCIAL CRISIS OF 1997 - 1998 (By Nor Mohamed Yakcop)
A moment comes, which rarely comes in a lifetime, when a particular event redefines a person's life and changes the course permanently. For me, the meeting with Dr. Mahathir Mohamad in Buenos Aires (Argentina) on the evening of October 3, 1997 was such an event. It enabled me to devote the next 6 years of my life working for Dr. Mahathir Mohamad, meeting him almost daily. In the process, it enabled me to see, at very close range, the abilities of this great man.
The combination of many noble qualities in one person is rare, and it is this unique combination that has enabled Dr. Mahathir Mohamad to transform Malaysia from an otherwise typical third world country into a thriving and vibrant nation, well on the way to become a developed nation. It is also this combination of qualities that enabled Dr. Mahathir Mohamad to save Malaysia from becoming another IMF nation during the financial crisis of 1997 - 1998.
I am often asked about my involvement in the recovery plan implemented on September 1, 1998. It began on September 29, 1997, when I received a telephone call from the office of Dr Mahathir Mohamad informing me that the Prime Minister wanted to see me. The PM was in Cuba at that time, and I asked (in jest) if I was to meet the Prime Minister in Cuba !I was told (not in jest) that he will be arriving in Buenos Aires on October 3, 1997 and I was to make sure I was in Buenos Aires at least a day before he arrived. I packed my bags and left for Buenos Aires, and arrived in Buenos Aires on October 2.
The PM arrived the following day at 5 pm and we met immediately at his suite. He informed me that he had asked many people to explain to him what was causing the financial crisis but no one was able to give him a satisfactory reply. He asked me whether I could explain to him what exactly was happening.
I asked him how much time he had, and he said two hours. I explained to him how the forex market works, about short positions and long positions, about hedging and how currencies are borrowed and sold, the difference between "bid" and "offer" and how funds can be transferred from one country to another at the click of a button. I also explained how the equity market works and the relationship between the forex market and the equity market. Dr. Mahathir hardly said anything, asked one or two questions, and listened intently.
After two hours, he had to end the meeting to get ready to go for an official dinner. He asked me about my plans for the night and I said I had been invited for the same dinner. Dr. Mahathir said to me: You go back to your room and write down all that you have been telling me for the last two hours, and see me at 7 am tomorrow. I went back to my room, skipped dinner, and wrote it all down, finishing at about 6 am.
I saw him the next morning at 7 am and gave him the report. He asked me to take a rest and come back again at 2 pm. When I returned, he told me that he had read the report and that he now understands what was happening in the financial markets. We started discussing various methods of overcoming the crisis, and our discussions continued when we returned to Malaysia. I met him almost daily for discussion, sometimes at his house and sometimes at his office. We tried a few mechanisms to overcome the crisis, some of which worked initially, but the hedge funds were so strong that it was difficult to proceed successfully with these mechanisms.
In early 1998, Dr. Mahathir Mohamad asked me to explore the idea of imposing an exchange control regime to overcome the crisis. I remember preparing voluminous notes on this subject. Dr. Mahathir went through the notes carefully, and kept asking for more and more details. We went through many rounds of discussion, until he was finally convinced both with the concept as well as the proposed mechanism. The rest, I guess, is history.
Dr. Mahathir also asked me to prepare a paper on how to put an end to Malaysian shares traded in CLOB (Central Limit Order Book) in Singapore. Dr. Mahathir was of the view that an important reason for the falling stock market was the short-selling of Malaysian stocks in CLOB. I prepared the report and Dr. Mahathir understood, for the first time, how exactly CLOB operates. The report, which was also implemented on September 1, 1998, put to an end the trading of Malaysian shares in CLOB.
I should add that the exchange control measures were crafted in such a way as to minimize the control aspects and maximize the outcome. The Prime Minister went through the proposed mechanism many times to make sure that the control elements were as few as possible, but adequate enough to ensure a positive outcome. There were no bureaucratic elements in these measures, such as requiring importers to obtain Bank Negara's permission to import. The Ringgit was also pegged at a level where it was not overvalued. In almost every other country, which imposes exchange control measures and pegs its currency, there would, almost by definition, be numerous bureaucratic controls, and the currency would also be pegged at an overvalued rate.
It is often assumed that the system of exchange control (including fixed exchange rate) that we implemented on September 1, 1998 saved the country. The measures of September 1, 1998 were undoubtedly a necessary condition, but it was not a sufficient condition to overcome the crisis. Malaysia was saved, not by exchange control measures per se, but by Dr. Mahathir Mohamad.
Let me explain. Any other developing country, facing a similar crisis, if it had introduced the measures that we introduced in September 1998, the measures would probably have failed. The fact that in Malaysia these measures succeeded is due to the ability and character of Dr. Mahathir Mohamad. The economy and the financial system, under Dr. Mahathir's leadership, was in a very healthy state--healthy enough for the exchange control measures to be implemented without negative consequences. Moreover, the Prime Minister's hands-on management style enabled quick and timely decisions to be made, which was vital under the new exchange control regime.
Dr. Mahathir, as Prime Minister, had ensured that the Malaysian economy was fundamentally strong. Ringgit was strong and stable. On the back of the currency stability (at RM2.50 against the US dollar) Malaysia was doing very well. At the end of 1996, real Gross Domestic Product (GDP) grew at almost 8.5 per cent and the growth was expected to continue for many more years. The government was enjoying a fiscal surplus. The external debt was low, at 40 per cent of the Gross National Product (GNP). The current account of the balance of payments had narrowed from a deficit of 10 per cent to 5 per cent of GNP, and was expected to improve further. Inflation was at its lowest at 2.1 percent. We had steady growth of over 8 per cent for a major part of that period. And this fundamental strength of Malaysia was a critical factor that enabled the exchange control measures to succeed.
For a period of more than a year after the measures of September 1, 1998 were implemented, the Prime Minister met with a small group of us everyday - 6 days a week - for at least 2 hours to go through various economic data, including data on loan growth, exports, imports, property overhang etc. This enabled the Prime Minister to take quick actions, whenever required. I remember one morning when we were going through the property figures, he looked at me and directed that I should organize a property fair to clear the overhang of properties. I did, and property worth more than RM 3 billion was sold. Even after the crisis was over, Dr. Mahathir continued to meet with the group regularly, though no longer on a daily basis. And Dr. Mahathir continued to go through all the economic data with a sharp pencil.
No other Prime Minister in the world, either in developed or developing countries, employs such a hands-on approach in managing the economy. We can see, therefore, that it was not the exchange control measures per se that saved the country but the man --- Dr. Mahathir Mohamad --- himself.
The period 1997 - 1998 was, to paraphrase Charles Dickens, the worst of times, but it was also the best of times. The worst conditions brought out the best in Dr. Mahathir Mohamad. There is a saying that a good leader is like good tea - you only know the true quality when he is in hot water !
Throughout the crisis, the Prime Minister was focussed on resolving the crisis. Day and night, he thought of nothing else but the crisis. He read all he could on finance; he kept asking me to prepare notes on various technical issues. Sometimes he was sick with bad flu and cough, but he did not take time off to rest. He was convinced that he had to understand the issues before he could work out the solutions. His native intelligence and ability to focus on core issues were there throughout the crisis. He did not show any sign of fear even at the worst of time, only concern at the fast deteriorating state of the economy. He was, at all times, confident that he would prevail in the end.
I would like to add two additional points related to the financial crisis. The first is that, in implementing the measures of September 1, 1998, Dr. Mahathir not only saved Malaysia but the neighbouring countries as well. Let me explain. When Malaysia imposed its exchange control measures on September 1, 1998, the currency speculators realised that the other affected countries (Thailand, Indonesia and South Korea) could also impose similar controls, and they, therefore, stopped their activities in its track. The speculators backed off. They bought back the currencies that they had sold. This is resulted in the regional currencies appreciating. Moreover, the International Monetary Fund (IMF) was not happy with what Malaysia had done, particularly since, after implementing the measures, we did exactly the opposite of what the IMF wanted us to do, i.e. we lowered our interest rates and injected liquidity into the system. The IMF, therefore, started relaxing conditions in other countries and allowed them to lower their interest rates and allowed them to inject liquidity to stimulate their economies so that Malaysia would not outperform the IMF countries. Therefore, it is no exaggeration to say that Dr. Mahathir Mohamad not only saved Malaysia, but the other affected countries in the region as well - Thailand, Indonesia and South Korea.
My second point is regarding what would have happened if the exchange control measures were not implemented. If the measures were not implemented, many of corporations in Malaysia would have gone under, due to the high interest rates. When the corporations fall like dominos, banks would have faced severe liquidity and solvency problems due to the ballooning NPLs. The problems of the banks would have resulted in a credit squeeze, which would have led to another round of corporate failures. The Government's revenue would have fallen drastically as fewer firms would be paying corporate taxes, thereby reducing the Government's ability to stimulate the economy through fiscal policy measures. As a result of the problems faced by corporations and banks, unemployment would have increased substantially, leading to a second round of problems. This is the classic vicious cycle, which could have, in the end, destroyed the social and political stability of the country. This was a scenario that was waiting to happen. It did not happen because of the decisiveness and guts of Dr. Mahathir Mohamad, who decided to take the path less travelled.
We owe Dr. Mahathir much gratitude for what he has done for Malaysia over the last 22 years. Solving the financial crisis of 1997 - 1998 was just one, albeit perhaps the most important, of Dr. Mahathir Mohamad's many contributions to the nation.
On a personal note, over the last 6 years, I have come to admire this great man for his abilities, his high moral values and, most of all, for his sincerity. Certainly, a man like Dr. Mahathir Mohamad is not born everyday.
(23rd. October, 2003)
Link: http://www.treasury.gov.my/index.php?ch=36&pg=126&ac=408&tpl_id=93
Komen : Memang susah untuk membenci atau untuk tidak bersetuju dengan orang tua ini, walaupun ape pun orang berkata pasal dia. Dia memang hebat dan telah terbukti. Now, i understand why my father have such a great admire on him...
- Harga runcit petrol ialah RM 1.37 dan diesel RM 0.78 seliter pada 1 Mei 2004
- Harga runcit petrol ialah RM 1.42 dan diesel RM 0.83 seliter pada 1 Okt 2004
- Harga runcit petrol ialah RM 1.42 dan diesel RM 0.88 seliter pada 1 Mac 2005
- Harga runcit petrol ialah RM 1.52 dan diesel RM 1.08 seliter pada 1 Mei 2005
- Harga runcit petrol ialah RM 1.62 dan diesel RM 1.28 seliter pada 31 Jul 2005
- Harga runcit petrol ialah RM 1.92 dan diesel RM 1.58 seliter pada 28 Feb 2006
- Harga runcit petrol ialah RM 2.70 dan diesel RM 2.58 seliter pada 5 Jun 2008
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Dalam kesibukan kita berbicara pasal kenaikan harga minyak, aku terjumpa berkaitan artikel ini. Interesting....
Boleh baca jugak disini.
THE FINANCIAL CRISIS OF 1997 - 1998 (By Nor Mohamed Yakcop)
A moment comes, which rarely comes in a lifetime, when a particular event redefines a person's life and changes the course permanently. For me, the meeting with Dr. Mahathir Mohamad in Buenos Aires (Argentina) on the evening of October 3, 1997 was such an event. It enabled me to devote the next 6 years of my life working for Dr. Mahathir Mohamad, meeting him almost daily. In the process, it enabled me to see, at very close range, the abilities of this great man.
The combination of many noble qualities in one person is rare, and it is this unique combination that has enabled Dr. Mahathir Mohamad to transform Malaysia from an otherwise typical third world country into a thriving and vibrant nation, well on the way to become a developed nation. It is also this combination of qualities that enabled Dr. Mahathir Mohamad to save Malaysia from becoming another IMF nation during the financial crisis of 1997 - 1998.
I am often asked about my involvement in the recovery plan implemented on September 1, 1998. It began on September 29, 1997, when I received a telephone call from the office of Dr Mahathir Mohamad informing me that the Prime Minister wanted to see me. The PM was in Cuba at that time, and I asked (in jest) if I was to meet the Prime Minister in Cuba !I was told (not in jest) that he will be arriving in Buenos Aires on October 3, 1997 and I was to make sure I was in Buenos Aires at least a day before he arrived. I packed my bags and left for Buenos Aires, and arrived in Buenos Aires on October 2.
The PM arrived the following day at 5 pm and we met immediately at his suite. He informed me that he had asked many people to explain to him what was causing the financial crisis but no one was able to give him a satisfactory reply. He asked me whether I could explain to him what exactly was happening.
I asked him how much time he had, and he said two hours. I explained to him how the forex market works, about short positions and long positions, about hedging and how currencies are borrowed and sold, the difference between "bid" and "offer" and how funds can be transferred from one country to another at the click of a button. I also explained how the equity market works and the relationship between the forex market and the equity market. Dr. Mahathir hardly said anything, asked one or two questions, and listened intently.
After two hours, he had to end the meeting to get ready to go for an official dinner. He asked me about my plans for the night and I said I had been invited for the same dinner. Dr. Mahathir said to me: You go back to your room and write down all that you have been telling me for the last two hours, and see me at 7 am tomorrow. I went back to my room, skipped dinner, and wrote it all down, finishing at about 6 am.
I saw him the next morning at 7 am and gave him the report. He asked me to take a rest and come back again at 2 pm. When I returned, he told me that he had read the report and that he now understands what was happening in the financial markets. We started discussing various methods of overcoming the crisis, and our discussions continued when we returned to Malaysia. I met him almost daily for discussion, sometimes at his house and sometimes at his office. We tried a few mechanisms to overcome the crisis, some of which worked initially, but the hedge funds were so strong that it was difficult to proceed successfully with these mechanisms.
In early 1998, Dr. Mahathir Mohamad asked me to explore the idea of imposing an exchange control regime to overcome the crisis. I remember preparing voluminous notes on this subject. Dr. Mahathir went through the notes carefully, and kept asking for more and more details. We went through many rounds of discussion, until he was finally convinced both with the concept as well as the proposed mechanism. The rest, I guess, is history.
Dr. Mahathir also asked me to prepare a paper on how to put an end to Malaysian shares traded in CLOB (Central Limit Order Book) in Singapore. Dr. Mahathir was of the view that an important reason for the falling stock market was the short-selling of Malaysian stocks in CLOB. I prepared the report and Dr. Mahathir understood, for the first time, how exactly CLOB operates. The report, which was also implemented on September 1, 1998, put to an end the trading of Malaysian shares in CLOB.
I should add that the exchange control measures were crafted in such a way as to minimize the control aspects and maximize the outcome. The Prime Minister went through the proposed mechanism many times to make sure that the control elements were as few as possible, but adequate enough to ensure a positive outcome. There were no bureaucratic elements in these measures, such as requiring importers to obtain Bank Negara's permission to import. The Ringgit was also pegged at a level where it was not overvalued. In almost every other country, which imposes exchange control measures and pegs its currency, there would, almost by definition, be numerous bureaucratic controls, and the currency would also be pegged at an overvalued rate.
It is often assumed that the system of exchange control (including fixed exchange rate) that we implemented on September 1, 1998 saved the country. The measures of September 1, 1998 were undoubtedly a necessary condition, but it was not a sufficient condition to overcome the crisis. Malaysia was saved, not by exchange control measures per se, but by Dr. Mahathir Mohamad.
Let me explain. Any other developing country, facing a similar crisis, if it had introduced the measures that we introduced in September 1998, the measures would probably have failed. The fact that in Malaysia these measures succeeded is due to the ability and character of Dr. Mahathir Mohamad. The economy and the financial system, under Dr. Mahathir's leadership, was in a very healthy state--healthy enough for the exchange control measures to be implemented without negative consequences. Moreover, the Prime Minister's hands-on management style enabled quick and timely decisions to be made, which was vital under the new exchange control regime.
Dr. Mahathir, as Prime Minister, had ensured that the Malaysian economy was fundamentally strong. Ringgit was strong and stable. On the back of the currency stability (at RM2.50 against the US dollar) Malaysia was doing very well. At the end of 1996, real Gross Domestic Product (GDP) grew at almost 8.5 per cent and the growth was expected to continue for many more years. The government was enjoying a fiscal surplus. The external debt was low, at 40 per cent of the Gross National Product (GNP). The current account of the balance of payments had narrowed from a deficit of 10 per cent to 5 per cent of GNP, and was expected to improve further. Inflation was at its lowest at 2.1 percent. We had steady growth of over 8 per cent for a major part of that period. And this fundamental strength of Malaysia was a critical factor that enabled the exchange control measures to succeed.
For a period of more than a year after the measures of September 1, 1998 were implemented, the Prime Minister met with a small group of us everyday - 6 days a week - for at least 2 hours to go through various economic data, including data on loan growth, exports, imports, property overhang etc. This enabled the Prime Minister to take quick actions, whenever required. I remember one morning when we were going through the property figures, he looked at me and directed that I should organize a property fair to clear the overhang of properties. I did, and property worth more than RM 3 billion was sold. Even after the crisis was over, Dr. Mahathir continued to meet with the group regularly, though no longer on a daily basis. And Dr. Mahathir continued to go through all the economic data with a sharp pencil.
No other Prime Minister in the world, either in developed or developing countries, employs such a hands-on approach in managing the economy. We can see, therefore, that it was not the exchange control measures per se that saved the country but the man --- Dr. Mahathir Mohamad --- himself.
The period 1997 - 1998 was, to paraphrase Charles Dickens, the worst of times, but it was also the best of times. The worst conditions brought out the best in Dr. Mahathir Mohamad. There is a saying that a good leader is like good tea - you only know the true quality when he is in hot water !
Throughout the crisis, the Prime Minister was focussed on resolving the crisis. Day and night, he thought of nothing else but the crisis. He read all he could on finance; he kept asking me to prepare notes on various technical issues. Sometimes he was sick with bad flu and cough, but he did not take time off to rest. He was convinced that he had to understand the issues before he could work out the solutions. His native intelligence and ability to focus on core issues were there throughout the crisis. He did not show any sign of fear even at the worst of time, only concern at the fast deteriorating state of the economy. He was, at all times, confident that he would prevail in the end.
I would like to add two additional points related to the financial crisis. The first is that, in implementing the measures of September 1, 1998, Dr. Mahathir not only saved Malaysia but the neighbouring countries as well. Let me explain. When Malaysia imposed its exchange control measures on September 1, 1998, the currency speculators realised that the other affected countries (Thailand, Indonesia and South Korea) could also impose similar controls, and they, therefore, stopped their activities in its track. The speculators backed off. They bought back the currencies that they had sold. This is resulted in the regional currencies appreciating. Moreover, the International Monetary Fund (IMF) was not happy with what Malaysia had done, particularly since, after implementing the measures, we did exactly the opposite of what the IMF wanted us to do, i.e. we lowered our interest rates and injected liquidity into the system. The IMF, therefore, started relaxing conditions in other countries and allowed them to lower their interest rates and allowed them to inject liquidity to stimulate their economies so that Malaysia would not outperform the IMF countries. Therefore, it is no exaggeration to say that Dr. Mahathir Mohamad not only saved Malaysia, but the other affected countries in the region as well - Thailand, Indonesia and South Korea.
My second point is regarding what would have happened if the exchange control measures were not implemented. If the measures were not implemented, many of corporations in Malaysia would have gone under, due to the high interest rates. When the corporations fall like dominos, banks would have faced severe liquidity and solvency problems due to the ballooning NPLs. The problems of the banks would have resulted in a credit squeeze, which would have led to another round of corporate failures. The Government's revenue would have fallen drastically as fewer firms would be paying corporate taxes, thereby reducing the Government's ability to stimulate the economy through fiscal policy measures. As a result of the problems faced by corporations and banks, unemployment would have increased substantially, leading to a second round of problems. This is the classic vicious cycle, which could have, in the end, destroyed the social and political stability of the country. This was a scenario that was waiting to happen. It did not happen because of the decisiveness and guts of Dr. Mahathir Mohamad, who decided to take the path less travelled.
We owe Dr. Mahathir much gratitude for what he has done for Malaysia over the last 22 years. Solving the financial crisis of 1997 - 1998 was just one, albeit perhaps the most important, of Dr. Mahathir Mohamad's many contributions to the nation.
On a personal note, over the last 6 years, I have come to admire this great man for his abilities, his high moral values and, most of all, for his sincerity. Certainly, a man like Dr. Mahathir Mohamad is not born everyday.
(23rd. October, 2003)
Link: http://www.treasury.gov.my/index.php?ch=36&pg=126&ac=408&tpl_id=93
Komen : Memang susah untuk membenci atau untuk tidak bersetuju dengan orang tua ini, walaupun ape pun orang berkata pasal dia. Dia memang hebat dan telah terbukti. Now, i understand why my father have such a great admire on him...
Tuesday, June 03, 2008
Read the Numbers on Your Fruit

I learned that sticker labels on the fruits actually tell you how the fruits have been grown - whether they were organically grown or conventionally grown with pesticides and herbicides;
Conventional Fruit
Labels Four digits and does not start with 9
** mostly starting with the digit 4
Organic Fruit
Labels Five digits and starts with number 9
Genetically Modified Fruits
Start with the digit 8.
Okay, so if you come across an apple in the store and it's labels 4922, it's an conventional apple grown with herbicides and harmful fertilizers. If it has a sticker 99222, it's organic and safe to eat. If it says 89222, then RUN!!!! It has been genetically modified (GMO).
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