Celcom First GOLD Voice and Internet Plan

I just discovered a telco plan which I consider the best plan for mobile phone calls and mobile internet availabe in the market. It worth as good as gold that desires a serious attention by all Malaysians. As for me, I just subscribed to this plan migrating from a less attractive plan which I previously paid more than RM100.00 per month

If your monthly telephone bill including mobile internet plan meets the criteria below:

- exceeding RM85.00 per month;

- allways making domestic calls (virtually unlimited calls to all telcos networks);

- still sending and receiving many text messages through conventional SMS;

- data usage 5GB;

- poor internet connection (intermittent & slow); 

- drop calls or weak signals.

Then you should give this plan a serious consideration. The plan that has just been introduced by the best, widest and most stable telco Celcom. The plan is called Celcom First Gold (Voice and Internet Plan). What makes the plan so irresistible? Because....

- your monthly bill is only RM80.00;

- unlimited calls and SMS to all telcos networks;

- internet data quota 5GB;

- additional free 5GB data quota on weeked (Saturday & Sunday). Or 1.25GB every week;

- free Celcom WifiPlus;

- widest, strongest, broadest and 'bestest' coverage telco in Malaysia.

The plan only sucks your monthly pocket for a mere RM80.00. After GST, it will be RM84.80!!!

For further information about the plan, your may jump to Celcom's official promotion plan page Celcom First GOLD Plan.

The promotion starts from 2 February until 31 March 2016.

Enjoy your calls and mobile internet browsing!!!. Be smart when choosing the best plan according to your financial capability and personal needs.

Foreign Workers: The HoooHaaa About Them By Locals (Malaysians)

Kuala Lumpur - Last month January 2016, I was a speaker at a conference organised by the association representing manufacturers. 

One participant stood up to disagree with my analogy that foreign workers are like drugs. I said "...once you are into it, you will be addicted to it forever."

The participant was an HR officer of a manufacturing company. He said he tried his utmost best to recruit locals as factory workers. There was no major issue in offering jobs to locals. If he could, he would ensure all the workers were locals.

BUT he lamented that there was a serious problem with the locals. He said "the company appoint them today, they resign tomorrow, next week, next month!" and followed by a big round of applause from the floor. "....unlike the foreign workers, they worked for 2-3 years!" as he continued. He further went on saying "we cannot afford to shut down the production line, retrain the new comers every time there is a resignation/absenteeism by the local employee."

Business must go on but apparently our very own people are not keen to do these kind of jobs. There is a huge vacuum that must be filled. Who should fill in the 'blank'?

In Response to AMANAH Leader's Question on Tabung Haji Dividend

The Malaysian Insider’s article on “Is Tabung Haji paying dividends with profit or reserves, asks Amanah” written by Nabihah Hamid, 4 February 2016 has attracted my attention and makes me feels obliged to speak my mind.

I don't know whether the dividend (actually hibah in Tabung Haji context) that Tabung Haji is paying derives from profit or reserves. What I know is, a good business entity pays dividend to investors using profits from business activities. It will not borrow or sell assets for the purpose of paying dividend. The profit can be from current year profit and/or retained profits (which is the accumulated portion of unutilised profits brought forward from previous years).

As in the case of Tabung Haji, it was reported that the dividend is paid using the combination of the current year profit and the accumulated reserves (say it again as Retained Profit). From the financial perspective, it is not abnormal and allowed by Islamic Finance scholars.

One more thing, do not get carried away or confused by AMANAH about the negative value of assets versus liability. It has nothing to do with the ability of a company to pay dividends!

Please read more books on financial and accounting. This call is for the dear leaders of AMANAH. You are not short of highly educated followers from the PhD holders to the so called "progressive" leaders to refer.

Don't wait until the people of Kelate say to you "Belake pare la mu kecek weh!"