Score A i-Teacher

Wonder WHY are you reading this page right now? I was at this situation at one point of time. But nothing clicked me, whatever opportunities came crossing by i just see it pass by me.

Ever wonder why the rich gets richer, while an employee increasing his debt. 

That's a fact, in average, most Malaysians accumulate more debts than savings in their bank. Everyday, our income is not sufficient for increasing cost to maintain our basic needs. 20 years ago, average Joe was earning RM1,000 and he didn't had the need for internet, broadband, mobile phone, vitamins, entertainment, college/university loans, credit card interest, expensive car loans, expesive house loans, insurance, medical card, clinic expense, slimming treatment, facial treatment, hair treatment and my list can go on. Today's average Joe expenses list is expanding everyday by new gadgets, technology and luxury these days are common needs for a basic man.

The fact is, many of us are employees, and in our country Malaysia, we are not earning to the actual standard of living. Based on the recent Jobstreet.com salary survery and statistics, average executives in the age group of 25-35 these days are earning meager income of RM2,500 to max of RM3,500 while a manager now days only earns RM5,000.

Below is table of a typical Malaysian executive cost of living in Klang Valley with income of RM3,000 .





From the above table, one can see how an executive with income of RM3,000 living in debts with basic needs due to high cost of living. In a year, an average executive accumulating exceeding RM3,000 debts. Many of us without realizing living beyond our means. That is the reason why "Ah Long's" and credit card services are mushrooming happily, now u can even take personal loans from RHB Easy just using your I.C, aslong your not blacklisted by any banks or service providers.


On a recent article Kosmo dated 19th February 2011, Prime Minister Datuk Seri Najib was stated saying "The increase in prices of goods and services and petrol is a global phenomenon". We can't blame ourselves for accumulating more debts than savings these days because we need to have all the above as basic needs. Without internet services, we will lack information, we must have nowadays basic college/university education, we must have car these days to travel, medical cost is very expensive these days, we must have medical cards and insurance, all these services accumulates to increasing cost of living without a choice or option, or else, we will be left out live in a not ideal living conditions. If it's the case of increase in cost of living affected by global phenomenon, can we tell our employers to increase our salary to justify the increase in cost of living. Probably they would ask you to find a better offer. If our debt problems is not solved, can we tell the banks that we can't repay the loans due to global phenomenon of increase in cost of living.

As per below newspaper Kosmo dated on 17th February 2011 reported on the increase of private sector workers finding solutions to their increasing financial problems by doing part time income.

Abraham Maslow developed a theory of personality called Maslow's theory. This theory accurately describes many realities of personal experiences. Maslow has set up a hierarchic theory of needs. All of his basic needs are instinctoid, equivalent of instincts in animals. Humans start with a very weak disposition that is then fashioned fully as the person grows. If the environment is right, people will grow straight and beautiful, actualizing the potentials they have inherited. If the environment is not "right" (and mostly it is not) they will not grow tall and straight and beautiful.

Leave the Comfort of Your Nest