Rafizi Umum Bertanding untuk Jawatan Ketua Angkatan Muda Keadilan; AMK (cabang Pemuda Parti Keadilan)

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Saudara Rafizi Ramli adalah kawan lama saya di sekolah dulu. Sejak dulu lagi, beliau sememangnya punya kualiti kepimpinan yang tinggi dan sering tampil kehadapan dalam memperjuangkan pelbagai isu-isu; tidak kira pelajar, politik dan hal semasa. Terkini, beliau telah mula kembali berkecimpung secara sepenuh masa dalam arena politik negara di bawah payung Parti Keadilan Rakyat; PKR. Beliau kini adalah Ketua Eksekutif Pejabat Penasihat Ekonomi Selangor iaitu Pejabat Datuk Seri Anwar Ibrahim. Semalam (1 September 2010), Saudara Rafizi telah mengumumkan hasrat beliau untuk bertanding bagi jawatan Ketua Angkatan Muda Keadilan; AMK iaitu sayap Pemuda PKR. Saya ingin mengucapkan Selamat Berjuang & All the Best of Luck (Forget Me Not) kepada beliau.


Sila lawat laman web beliau di www.rafiziramli.com. Sila beri sokongan kepada beliau di laman fan page di facebook; www.facebook.com/rafizi.ramli. Juga boleh ikuti perkembangan beliau di twitter.com/rafiziramli.


Dari : Malaysiakini.com (http://www.malaysiakini.com/news/141599)
















Ahli Majlis Pimpinan Pusat (MPP) PKR Mohd Rafizi Ramli hari ini mengumumkan menawarkan diri bertanding jawatan ketua Pemuda PKR (AMK).

Beliau turut mengumumkan barisan regunya - dikenali sebagai Generasi Reformasi - yang akan bertanding jawatan utama dalam AMK.

















Rafizi akan berganding dengan ADUN Batu Caves Amirudin Shari yang akan bertanding jawatan timbalan ketua AMK.













Manakala tiga lagi ADUN gandingannya akan bertanding jawatan naib ketua dan exco. Mereka ialah Sim Tze Tzin (Pantai Jerjak), S Kesavan (Hutan Melintang) dan Chang Lih Kang (Teja).

Sim dan Kesavan akan bertanding jawatan naib ketua manakala Chang dan empat orang lagi - Halimey Abu Bakar, MA Tinagaran, Saifullah Zulkifli dan Jafery Jomion akan bertanding jawatan exco.

Menurut Mohd Rafizi, barisan Generasi Reformasi menggabungkan pelbagai kumpulan berbeza atas semangat reformasi.















Beliau dipercayai akan mendapat tentangan sengit daripada penyandang jawatan itu Shamsul Iskandar Md Akin, seorang lagi anggota MPP Badrul Hisham Shaharin dan seorang pemimpin cabang daripada Johor Hasmi Hashim.

Timbul isu baru

Ketiga-tiga mereka bagaimanapun belum membuat pengumuman rasmi berhubung kesediaan mereka merebut jawatan yang sama.














Dalam sidang media di sebuah hotel di Petaling Jaya pagi ini, Mohd Rafizi berkata, reformasi yang tercetus pada 1998 membuka lembaran baru apabila berjaya menggabungkan kumpulan yang berbeza pendekatan, warna kulit dan kepakaran, tetapi berkongsi matlamat yang sama.

Selepas pilihan raya umum lalu, tambahnya, walaupun isu pokok yang diperjuangkan - seperti pemansukan ISA dan kebebasan institusi kehakiman - masih sama, timbul pelbagai isu baru yang memerlukan perhatian sewajarnya.

"Oleh itu, AMK sebagai barisan utama dalam mendekati orang muda memerlukan dinamisme yang tinggi. Isu yang diperjuangkan perlu melambangkan aspirasi majoriti 4.6 juta pengundi baru yang mempunyai citarasa yang berbeza.

"Pendekatan yang digunakan juga perlu dipelbagaikan untuk menarik minat sebahagian besar anak muda yang pada ketika ini tidak berminat dengan politik," katanya yang juga ketua eksekutif di pejabat penasihat ekonomi Selangor.

"Berdasarkan misi in, saya dan rakan-rakan yang lahir dari semangat kebersamaan dan kepelbagaian hasil gerakan reformasi ingin menawarkan diri untuk menyuntik dinamisme itu dalam AMK. Sebagai persediaan menghadapai pilihan raya umum ke-13."

Turut hadir dalam sidang media itu, pengarah komunikasi PKR Nik Nazmi Nik Ahmad yang hanya memberikan sokongan tetapi tidak akan bertanding sebarang jawatan tertinggi dalam AMK walaupun disebut-sebut sebelum ini.


Video : Rafizi tanding ketua AMK, umum regu
http://www.youtube.com/watch?v=qXfw_bkfc8k




Video : Tanding AMK: Generasi Reformasi sedia debat
http://www.youtube.com/watch?v=3-rF06XBH-E


Penternakan Udang Harimau

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Saksikan cara-cara penternakan Udang Harimau dari slot dokumentari; Agro Jurnal yang telah ditayangkan pada 05hb June 2010 di RTM1. Agro Jurnal bersiaran setiap Ahad pukul 6.30 petang di RTM 1.


video

Untuk menonton arkib video bagi slot dokumentari RTM1 seperti Agro Jurnal, Agrotek dan Panorama, sila lawat http://www.rtm.gov.my untuk pelbagai dokumentari dalam pertanian dan lain-lain.

The Short and Simple Story of the Credit Crisis; well-explained in visual

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Jika anda selama ini tidak memahami apa sebab atau apa yang telah terjadi sehingga terjadinya krisis kredit yang telah merosakkan ekonomi hampir seluruh dunia. Tontonlah untuk ilmu, pengetahuan...

Part 1 :


Part 2 :


Tetapi mereka tidak bercerita, apakah asas sebenar yang menjadi punca krisis kredit telah berlaku?

ASAS KEGAGALAN EKONOMI KAPITALIS
1) RIBA' = INTEREST = FAEDAH = FAEDAH ATAS NILAI FAEDAH TERDAHULU = DOUBLE INTEREST
2) GHARAR = UNCERTAIN = RISK = TIDAK KETENTUAN = TIDAK NYATA DALAM BERJANJI = TIDAK ADIL = DISEMBUNYI = SEBELAH PHAK
3) PINJAMAN = LOAN = FINANCE = PINJAM TETAPI TIDAK WUJUD BARANG YANG DIPINJAM = DUIT DINILAI ATAS DUIT KINI DAN MASA DEPAN.

Orang bercerita tentang Subprime Crisis

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artikel mengenai subprima yang singgah ke kotak emelku...


Subprime Crisis - Explained by Lin Peh

Preface: Subprime Loan

In American, just like all the normal human being in the world, when they make any major purchases, they will always ask bank for loan. However, the sorhai american company always like to retrench people and thus the people there the income not very steady one. In Malaysia, when your income not steady you will loan money from AhLoong instead of BANK. But in america, their FBI very power so there is no Ahloong, instead their bank will loan money to all these not steady income people and this type of loan is called Subprime Loan.


Chapter One: How it started

About 10 years ago, all the commercial banks in American were promoting their loan with advertisement like

Since most Ang Mor are only "ada gaya" and "hao-lian" type of people, the bankers came out with special packages for these pokkai fellas. So, Ads like these were flying everywhere:

"No repayment for first 2 years"

"Want to be rich ? Buy Property!"

"Money no enough? Borrow from me!"

"Zero down payment"

"Low rate guaranteed"

Wah ! These packages are damn fierce wan! It basically tell people don't worry for the about repaying the loan because you may strike lottery before payment is due! In the event you don't strike lottery, you can still sell the house that you bought at higher price and pay everything and keep the gain!

Because of packages like this, many American (especially those who think if Black and become president of USA everything is possible) started to borrow money and buy house as INVESTMENT !

So, the banks business become very good, the accounts all look damn solid and all the bankers got huge bonus! But now.....got one problem...money all loan out but who can guarantee that these sorhais will be able to pay back when time comes ?


Chapter Two: Investment Banks Also Want

After collecting his huge bonus, the CEOs of the commercial banks also need to do more creative works or else they will be fired soon. So, he went to see the bigger brother - Investment Bank!

For those of you who don't know, the Investment Bank in US is damn power wan ! Their name also damn solid like Morgan Stanley, Lehman brothers, Goldman Sachs. The commercial bank CEOs objective is very simple, they want the Investment Bank to share share and join with them to play the game of Subprime Loan!

Even though the Investment Bank name power, their top management are also same like us eat full nothing to do one. So, they get all those economists, professors, even Nobel prize winners and together go to starbucks drink coffee and blow water.

After many rounds of talking cock, they concluded that these subprime loan is very risky but very exciting and profitable! Something like bank robbery! As a greedy bunch of motherfuckers working for greedy Investment Banks, they decided not to miss this great opportunity so, the Investment Banks are in !


Chapter Three: How The Investment Banks Play

Since Investment Banks are so power and big! They also decided to play it BIG! So, in order for them to raise all the fund to lend it out to those pokkai house owner, they issued something call CDO (Collateralized Debt Obligation). In line with the reputation of Investment Banks, the name CDO also power meaning no one understand! But Lin Peh tell you la, these CDO is actually something like Investment Banks borrow money from the some sorhais but the loan is guaranteed by those pokkai house owner's loan and their fucked up "very expensive" house. So, where to find such sorhai ?


Chapter Four: Hedge Fund is the Real Sorhai?

In order to find the other sorhais who are willing to put out such big sum of money for this type loan, the Investment Bankers did a lot of road show and even engage professionals to make their powerpoint presentation look solid.

After that, they invited groups and groups of sorhais to come listen to them talk cock, drink wine and see their powerpoint. When the powerpoint presentation said that the average return on CDO is approximately 12%, the saliva of the Hedge Fund managers started to drool, so they decided to put their money in and play the game also!

Before you jump into the conclusion that hedge fund are the sorhai, let's look at how the hedge fund got so much money....

The basic job function of hedge fund managers are killing each other at wall street without seeing any blood! They are the one who go around the world, screw peoples currency, stock markets, commodities so the CDO is only a small case la !

The hedge fund managers went around the world and look for low interest loan. For example, Japan interest rate has been very low since the day Karaoke machinese was invented. So, the hedge fund went to Japan and borrow at 1.5% which means, they just have to sign a few signatures, get the money from Japanese and then give to the investment banks and they can sit home masturbate and enjoy a net return of 10% without doing anything. With deal like that, the more they borrow, the more their return la ! Do you still call them sorhai?


Chapter Five: Now, Everyone Can Be Rich!?

So, all the deals are now in place and the cash started to flow!

Strange thing does happen when you have such a huge system running - from the year 2001 to 2006, the real estate market in US was at a super boom ! Everyone was buying houses and make a lot of money ! So, they were right about becoming a real estate tycoon without having to come out with a single cent ! So, from house owners to banks to investment banks to hedge fund all making money ! Damn solid!

However, the investment bankers were not too happy when they see the hedge fund was making so much money from the CDO without having to do any donkey work. So, they got jealous and they themselves also invest in CDO ! It is something like Ahloong themselves go borrow from another Ah Loong !

When that happened, the hedge fund managers see that the CDO was in such hot demand, they also became greedy and they pledge the CDO to banks so they can borrow more money to invest in more CDO and everyone just become richer and richer!


Chapter Six: Let's Insured Everything!

When the Investment Bankers see that the CDOs merry-go-round becoming so big round just like the Eye On Malaysia like that, they also got panic already. So, to play safe, they call the insurance company and tell the insurance company that they want to buy insurance for their CDOs!

Even though the insurance companies are generally greedy motherfuckers, they also not sorhai one. They study the track record of the CDOs and they charge the Investment Banks a heavy premium for it and give this type of policy an even more power name called Credit Default Swap (CDS)!

Since the hosuing market was ok, and everyone was still enjoying huge profit, the Insurance Companies too made very good money from these CDS in the last few years because they just sit there and collect premium without paying out anything!

That's WIN WIN SITUATION - just like what your teacher taught you in school !


Chapter Seven: Not The End Of Story

As usual, eveything that can generate income, people on the the wall street will create a unit trust fund for it. So, over the last few years, Many Unit Trust Fund that invest in CDS were created. However, in order to generate good sales for these Trust, these unit trusts must get good rating from the rating agency.

So, the people on wall street used their creativity to 100% and came out with a brand new idea - Assuming the companies already made $80 Billion in the CDS over the years, they will allocate a portion of it lets say $10 Billion to secured the Unit Trust Fund. Using the $10 Billion as 10% securities, the Fund will sell to the public $100 Billion of the Unit Trust.

That means, if the Fund lost money, the first 10% ($10 Billion) of the loses will be covered by the Insurance. But when it makes money, everything belongs to you! Good Deal or not? Therefore, the rating agency also give the fund AAA (highest) rating ! Since the deal is so good and with AAA rating somemore, everyone also bought! Old man bought! Young man bought! Pension fund bought! Education fund Bought! It was such good business, the Unit Trust decided to issue more Units to be sold ! However, the problem is they never increase the $100 Billion securities! which also means the "reserve" for the losses has decrease from its original 10% to god knows what.


Chapter Eight: No Light At The End Of Tunnel

Just like Old chinese proverb said "Everything You Ate You Have To Vomit Out". The good time came to a stop by end of the year 2006 when the housing prices started to come down, people who bought houses found out there are no more buyers for the houses so they just defaulted on the loan and said F@*K IT !

The Bank try to lelong out those houses but could not find buyer. Citibank, Bank of America all reported huge loses. So, the bank all said F@&K IT !

Since Investment Banks has even bigger stake than the commercial banks in these loans, Morgan Stanley, Lehman Brothers all reported even bigger losses. So, the Investment Banks also said F#$K IT !

When the Hedge Fund saw all the other fellas all f@#%*d, they also cannot escape and Hedge Fund Stake is even bigger! So, Hedge Fund said F@%K IT !

And of course, all the AAA rating Unit Trusts F#@$&D !

Now, Pension Fund F@#*%D! Education Fund F@#*%D! The share market F@#*%D! USA F@#*%D! Europe F@#*%D! Japan F@#*%D! Australia F@#*%D! The Whole World F@#*%D! Bush F@#*%D! McCain F@#*%D! Obama F@#*%D


*Sorhai : Cantonese Adjective - A term used to describe someone who says and does dumb things. Pronounced as “saw high” with prominence.

KOMEN GUA
Ntah berapa trillion dollars of investors money hilang macam tu je akibat dari krisis ini. Apa yang kita tahu, thoses investors khususnya syeikh2 arab yang banyak duit (hasil untung jual minyak) yang banyak rugi. Investment rugi dan tiada ganti.

Pada tahun 2005-2008, Yahudi asyik membeli minyak mentah di kapal tangki di lautan antarabangsa bukannya untuk dijual untuk proses membuat produk petroleum seperti diesel, tetapi hanya membuat spekulasi kononya permintaan tinggi dan menuduh China dan India yang punya ekonomi besar dan membangun sebagai sebab permintaan tinggi.

Dari situasi itu, petroleum menjadi mahal dan membuatkan satu dunia terpaksa membayar lebih untuk setiap liter petrol yang dibeli. Untung petroleum melimpah ruah di negara2 arab. Arab menjadi kaya. Untung billion menjadi trillion.

Manusia sememangnya tamak. Lebih2 lagi ada orang mencucuk dan mengatakan 'let money work for you' atau 'money is making money'. Arab yang banyak duit ini menjadi investor dan duit dilimpah ke investment bank america, duit itu disalur ke bank dagang yang memberi pinjam untuk rakyat amerika membeli rumah. Oleh itu, duit tu melompat2 dan sampai masuk ke kocek penjual rumah, si yahudi pemaju perumahan.

Untuk pengetahuan, donald trump bukan orang yahudi.

Butterfingers : Mati Hidup Kembali

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Lagunya simple dan best. A very nice sing-along song.
Videoclip pun best...




THE LYRICS : MATI HIDUP KEMBALI

Jalan raya terlampau sunyi
Untuk ku terus bermimpi
Mataku belum mengantuk lagi
Bawa ke mana sahaja kupergi

Tunjukkan ku bulan gerhana
Tiada siapa nak kujumpa
Pendirian tiada kusangka
Tak mengapa oh tak mengapa

Malam semalam gundah gulana
Hari ini hari mulia
Tak pernah daku rasa begini
Seperti mati hidup kembali

Bawakan kuhilang dari ingatan
Hari ini sehingga esok
Tak pernah daku rasa begini
Seperti mati hidup kembali

Agar sepenuh dengan pendirian
Kucapai sebelah tangan
Sebalik awan ada cahaya
Bercahayalah selamanya

Daku tertawa seorang diri
Darah yang mengalir terhenti
Fikiranku melayang-layang
Tiada siapa yang perasan


Other info:

PenerbitanButterworld/Phuturephlowfilms mempersembahkan " Mati Hidup Kembali"
Diterbitkan oleh Atom Mctomsky/Butterfingers
Sutradara: Kerol"Nisfu" Azry
D.P : Aaron Chung

*irama dan lagu direkacipta oleh loQue.
*digubah, disusun semula dan diubahsuai mengikut citarasa bersama oleh loQue.emmett.kadax.loko
*Senikata diolah oleh loQue

How The Stock Market Works

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Once upon a time, in a village, a man appeared and announced to the villagers that he would buy monkeys for $10 each.

The villagers seeing that there were many monkeys around, went out to the forest, and started catching them.

The man bought thousands at $10 and as supply started to diminish, the villagers stopped their effort.

He further announced that he would now buy at $20. This renewed the efforts of the villagers and they started catching monkeys again.

Soon the supply diminished even further and people started going back to their farms.

The offer increased to $25 each and the supply of monkeys became so little that it was an effort to even see a monkey, let alone catch it!

The man now announced that he would buy monkeys at $50 ! However, since he had to go to the city on some business, his assistant would now buy on behalf of him.

In the absence of the man, the assistant told the villagers. 'Look at all these monkeys in the big cage that the man has collected. I will sell them to you at $35 and when the man returns from the city, you can sell them to him for $50 each.'

The villagers rounded up with all their savings and bought all the monkeys. Then they never saw the man nor his assistant, only monkeys everywhere!

Now you have a better understanding of how the stock market works.

Financial Turmoil caused by Subprime

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Satu artikel yang singgah ke kotak emel ku.. dari kawanku yang bercerita mengenai subprime...


"Let me try to explain with whatever little Financial Services knowledge I have from the experience with GE Money and GE Commercial Finance.

In a nutshell, when an investment bank syndicates a loan to the big companies, they never keep these loans in their books, they will package it and then sell it (just like Loan Securitization that GE does)…normally these are collateralized against an Asset which predominantly have been mortgages….when the SubPrime crisis exploded, people could not afford to repay their mortgages, the values of these Asset-backed securitized loans plummeted and when you have to do a Mark-To Market valuation every quarter (remember Wall St companies need to report every quarter) that's when the impact is felt, huge write offs are made and the banks make big losses.

The losses will decrease their EPS ( earning per share) which eventually will affect their share price (the lower the EPS, the lower is the PE ratio)…but when the share price tumbles down, the equity of the bank shrinks. But the banks need to have a certain amount of equity (its Called Tier 1, Tier 2 requirements by Basel Regulations) and that's why they go around asking for Capital Injection from Private Equities / Sovereign Wealth Funds (since they are normally the richest ones)…..So Temasek invested in Merril Lynch, Middle East Funds pumped money to Citigroup, Singapore Government Inc invested in UBS etc. When the credit crunch happened, the liquidity in the market has been so low that Private Equities and Pension Funds are also dried up.

When these banks cannot find someone and the prices keep falling, this is when they refer to as the banks being in DISTRESSED situation and that's what happened to Lehman who eventually had to declare Chapter 11 (i..e. under protection until they can recover). GE too is affected because 50% of our Income (about US$8 Billion) comes from GE Commercial Finance / GE Money.

Btw how does this affect the consumers? When there is a liquidity crunch in the market, it is more difficult for companies to raise Bonds or Commercial Papers or for Banks to lend amongst each other. This will result in the Cost of Fundings for these banks to go up which will eventually be passed on to the consumers which will then trigger an inflation.

Setakat ini je lah fahaman hamba….since the US Fed has announced a Bail Out package yesterday, the Dow Jones has been rallying like crazy (market just opened 30 minutes ago) and GE stock price is up 10%, Goldman up 24%, Citi up 25%.

Obviously only time will tell when this whole craziness will end."

illustrator : me doing tracing on my alma mater building; the Overfloor

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The Overfloor, Big School, Malay College Kuala Kangsar. Sebuah mercu tanda utama milik MCKK. Ia telah diisytiharkan sebagai bangunan lama berstatus Warisan Negara, dimana ia telah dibina oleh pihak British untuk memberi pelajaran kepada anak-anak melayu agar dapat bekerja sebagai pentadbir