Wednesday, 16 August 2017

Merenung dengan penuh kerisauan | Kos pendidikan dan nasib anak-anak kita pada masa hadapan

beberapa tahun kebelakangan ini..kerana faktor ekonomi dan pengurusan kewangan yg kurang efisyen, ketirisan sana-sini and of course some other reasons..bajet utk pendidikan telah dikurangkan dan ada yg dilupuskan..sek2 mesti rasa effectnya..juga kat university..memang terasa sgt2 kesan dan impaknya

dari segi peluang pendidkan..our govt dh tak antar pelajar2 tajaan utk further study kat overseas..tak mcm zmn dulu2...ie few years back and many2 years back..my niece yg baru grad dari Ireland may be among last batch yg dpt study medic kat obersi (Ireland) funded by JPA..and kat my uni pun dh tak de scheme utk buat phd kat obersi..

whining pun tak mengubah apa2..
cuma now, whether we like it or not, nak kena pikirkan mcm mana our kids nak further study kat university...sbb dulu2 ada byk peluang biasiswa under JPA, MARA etc..nowdays dh tak de especially kalau nak study abroad, or kalau nak buat courses mcm medicine, dentistry

my nephew, currently doing dentistry kat IPTS (dlm msia)...kos pengajian is around RM350k..dh dari awal lg apply education loan dari MARA tp situasinya uncertain masih ada fund or not..so worst comes to worst memang byr dari duit poket sendiri..so far dh byr almost one third pun dari duit poket sendiri
kenapa tak masuk IPTA?..of course tempat sgt terhad and kena dpt straight A masa SPM and 4 flat masa matrics/foundation (if i'm not mistaken) kalau betul2 nak dpt tempat kat IPTA--i'm talking about course medic and dentistry

and similar story...my colleague..her daughter baru jer abis asasi sains kat UM, SPM memang dpt straight A..tp tak dpt 4 flat kat foundation study...so tak dpt tempat utk buat medic kat IPTA..now dh apply masuk IPTS (dlm msia)..kos utk study medic kat IPTS is almost RM500k )(ie half million!)..my colleague has been saving for her children's education..my colleague ni both suami isteri prof..so apparently mampu lah nak byr the cost sbb memang that's the only option available..her other children..yg sulung memang study obersi (dpt scholarship and dh grad pun..now tgh buat phd)

she was telling me...amik insurance pun bukannya byk dpt bila kita nak tebus balik the policy/redeem the benefit..dpt RM20k+ jer pun katanya..
andit's like a reminder to myself jugak..memang pun..value insurance yg me amik pun mcm tu jugak (takaful pendidikan)..me byr RM100 permonth x3 (ie for my 3 boys) potong gaji bulan2....so bila nak amik time diaorg umur 18 nanti..memang value nya around RM20k jer pun...of course nilainya very little kalau nak guna utk byr fees kat IPTS..
kalau masuk IPTA, boleh lah pakai duit tu sbg poket money to survive monthly
the typical scenario nowadays, masuk IPTA, amik course yg biasa2(non-critical course)...boleh amik loan PTPTN..and our kids will be repaying the loan lps graduate and lps diaorg dpt keje

nowadays..apa2 course pun memang kena bersaing very2 stiff competition utk dptkan keje lps graduation...yg grad medic pun kena tunggu few months utk posting, apatah lg course2 lain kan..

scary..seram..risau bila baca psl luahan kat IIUM confession..psl susahnya nak dpt keje even dh ada degree..terbaca jugak kat FB..ada yg sanggup take up the post as cleaner..to that extent realitynya..selain opt for online business, food stuff like nasi lemak etc

mcm mana lah agaknya nasib our future generation..starting gaji memang rendah berbanding dgn kos sara hidup yg meningkat meroket..dan pelbagai tax lagi..dgn harga rumah yg mcm tak masuk akal utk dibeli..

merenung jauh tu MZ...(gmbr hiasan)

Allahumma yassir amiin

Monday, 14 August 2017

Not an usual weekend

Sabtu yg lps was Razeen sports day..held at IIUM female sports complex..event scheduled to start at 8.30 am..by 8.10 am MZ and kids dh arrived tp time tu pun dh hampir penuh keta parents..syukur lah dpt gak parking yg dekat2 dgn venue..

1st time razeen attended sports day..and guess what..penat2 tunggu turn utk main his event (lari bawak bola jer pun)..tp dia tak nak main hahahha
so dpt conso medal ajer then balik lah..11.30 am balik..so berkampung kat sports complex hampir 3 jam..razeen ni clingy so tak nak main bila ada mamanya

zharfan yg snap pic ni


sbb zharfan & ariff dh penat dan lapar temankan adik bongsu attended sukan (wpun tak main sukan)..so weolls pegi lunch kat KR aeon AU2..kebetulan ada promo set meal yg RM11..ayam with 2 side dishes...so agak jimat lah mkn KR this time..weolls add on mushroom soup with garlic bread, muffin and ice cream (pun ada promo add on), tak amik jus ker apa, amik plain water ajer (RM1 each)
so total bills RM36--murahh hehhehe sbb biasanya kalau mkn2 kat KR ni our bills range RM60+


mama snap2 pic sementara tunggu order sampai


abg sulung & adik bongsu

razeen memang tak suka posing


Thursday, 10 August 2017

ROTD

blog dh mula bersawang..sbbnya tuan punya blog tak berapa nak ada masa and tak de idea sgt nak tulis2
selain bz dgn keje..bz dgn rutin harian ajer..so day in day out ulang2 aktiviti yg sama..yet i love it and #syukurselalu gitu alhamdulillah

nak tepek pic bling2 MZ yg latest...
dh lama mengidam dan berkenan..then last few weeks..ada one day tu..bangun tidur, bracelet bola2 yg MZ beli awal tahun (bkn bola2 3 kaler) tiba2 terjatuh sbb ada cangkuk mcm terbukak, jatuh tergolek atas tilam..so MZ trauma takut ilang time pakai time gi keje kan..better MZ trade in amik bling2 yg lain..lgpun sbb dh ada bracelet bebola 3 kaler..so dah tak obses dgn bebola kecik2 yg ada love gantung2 tu (bila trade in, bracelet tu value around RM1k+, LV ring pulak rege RM1300+, so MZ kena top up cash around RM250)

nilah my new ring..LV ring..actually ring ni ada set dgn bangle..tp lom ada bajet la nak beli bangle LV yg sama design mcm this ring..mz beli ring ni kat kedai emas sri anggun kat prima gombak..last month kedai tu buat promo zero upah..byr harga emas jer..so berbaloi2

ring of the day (ROTD)..ring ni mcm 3 in 1 jugak sbb mcm ada 3 ring combined jd one ring..so design nya memang awesome bila dipakai di jari2 yg tak runcing itew

now ari2 pakai sbb sukaaa sgt2 dgn this ring --sbb dh lama mengidam and dpt pakai kan so rasa happy2 gitu

have a nice day everyone!!

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