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youtu.be/NbCozokIjS4?si=k5qYtJUl8GTldUHB Fitnah Siti Mastura Mendedahkan 10 Rahsia Terbuka Negara By Mariam Mokhtar

Politically correct speech. Not the truth.

derita? 🤣🤣🤣

www.thestar.com.my/news/nation/2024/12/16/engineer-rice-s-to-the-occasion-with-floating-technique "KOTA TINGGI: He is a civil engineer who began dipping his toes into padi planting about 30 years ago. And now Tam Pak Suew, 67, has embarked on a new project – planting organic rice on floating platforms. He said the method has produced positive results as he could double the yield compared to those that were grown on soil. “The price of organic rice is also double that of the ordinary rice,” he said Furthermore, he said farmers could rear fish and ducks in the ponds, which could provide them with an additional income. He said his floating padi platform is similar to cultivating fish in cages on a floating platform known as fish cage aquaculture. Tam explained that his passion for padi cultivation started when he met his wife, who is from Sekinchan in Selangor, which is well known for its vast padi fields. However, he developed a passion for agriculture from young." 1 "Tam grew up in an estate with eight siblings and began tapping rubber when he was nine years old. He subsequently went on to graduate from Universiti Malaya with a degree in civil engineering. He is the only graduate in the family. “My father died when I was six and my elder siblings had sacrificed much for me to pursue my studies. I know hardship and that is why I have had an interest in agriculture since young,” he said. He was in his 30s when he made his first foray into padi farming in 1992. He was asked to rehabilitate a 607ha rice field in Kuala Rompin, Pahang. This included land clearing works and getting the irrigation infrastructure in place. “Then in 1998, I took on a 121ha rice field in Kahang, Johor, and obtained the country’s first organic rice certification from the Agricultural Department in 2006.” He closed that field in 2018 before moving to his present site which is about 72ha in Desaru. As for this platform method, he explained that he could plant and harvest the padi three times in a year. “Our yield is much higher. Despite the plants being cut, they grow back again and produce another round." 2 "“Each floating platform, which is 6m x 3m is filled with high quality soil and planted with about 550 rice seedlings,” he said, adding that the soil is constantly moist and this helps promote the growth of the plant. About one month before harvesting, he said each platform is covered with nets to prevent attacks from pests or birds. “But if there are other types of tiny pests attacking the crop, we would just sink the platform for about 30 minutes into the pond to get rid of the bugs which are then eaten by fish in the pond,” he said, adding that this helps to save cost especially on pesticides. Tam, who is the founder of Koref Desaru Leisure Farm Sdn Bhd in Desaru, said that currently, he has about 19 platforms in his pond which are all planted with Malaysian Agricultural Research and Development Institute (Mardi) MR269 rice variety. “Usually we grow the seedlings on the ground for about a few weeks before they are transplanted to the platforms. It takes about three months to grow.” Tam hoped the government would help fund his floating platform technique as it could be a pilot project. With about 400 platforms on a 1ha pond, he said they would be able to yield about 18 to 20 tonnes of padi per year, which is double the yield from rice grown on soil. He said this method of planting would not only boost the country’s rice production but would also be good for the country’s food security." 3

www-malaymail-com.cdn.ampproject.org/v/s/www.malaymail.com/amp/news/malaysia/2024/12/17/how-much-… "KUALA LUMPUR, Dec 17 — A recent Khazanah Research Institute report has highlighted a pressing issue: financial insecurity among Malaysians, with many potentially lacking sufficient savings for retirement. According to the report, more than 52 per cent of Employees’ Provident Fund (EPF) members under 55 have savings of less than RM10,000. Recognising this alarming trend, the EPF has introduced the Retirement Income Adequacy (RIA) Framework to help Malaysians plan for a more secure and comfortable retirement. This initiative aims to educate members on the savings required to meet their post-retirement needs. Here’s an in-depth look at the RIA Framework and how it can guide you towards better financial planning. What is the RIA Framework? The RIA Framework is built around three tiers of savings: -Basic savings and income: Covers essential retirement needs -Adequate savings and income: Supports a reasonable standard of living in retirement -Enhanced savings and income: Provides greater financial independence and a higher quality of life Savings targets Based on the Belanjawanku 2024/2025 guidebook, the RIA outlines specific savings targets: -Adequate savings: RM650,000, equivalent to 240 times the monthly adequate retirement income -Basic savings: RM390,000, or 60 per cent of adequate savings -Enhanced savings: RM1.3 million, double the adequate savings target Monthly withdrawal strategies The RIA recommends structured monthly withdrawals over 20 years, in line with Malaysia’s average life expectancy: -Adequate savings (RM650,000): Start at RM2,708 per month, increasing to RM7,389 by year 20 -Basic savings (RM390,000): Start at RM1,625 monthly, rising to RM4,434 by year 20 -Enhanced savings (RM1.3 million): Begin at RM5,417 monthly, reaching RM14,779 by year 20 Implementation timeline The RIA Framework will take effect from January 1, 2026, with phased increases in the basic savings requirement, starting at RM290,000 in 2026 and rising to RM390,000 by 2028. To keep pace with economic changes, these benchmarks will be reviewed every three years beginning in 2029. Managing excess savings For members exceeding RM1 million in savings, the framework allows flexibility. Up to 30 per cent of savings beyond the basic threshold can be invested in approved funds under the Members’ Investment Scheme. Current challenges and adjustments As of October 2024, EPF data shows only 36 per cent of active members meet the current basic savings level of RM240,000 at age 55. The new benchmarks are expected to temporarily lower this percentage but are deemed necessary to address rising living costs and the current retirement age. Notably, inflation erodes the purchasing power of savings. For instance, RM1 million in 2007 has the same value as RM712,000 today. To maintain equivalent purchasing power, retirees now need RM1.4 million, which translates to RM6,000 per month over 20 years. The four per cent rule The Belanjawanku guidebook also recommends the "four per cent rule,” introduced by US financial planner William Bengen, as a prudent withdrawal strategy. For example, retirees with RM1 million in savings could withdraw RM40,000 annually while preserving their fund. The EPF advises members to leave remaining funds within the EPF and consult financial advisors for personalised retirement planning."

www.freemalaysiatoday.com/category/nation/2024/12/13/paralympics-chief-lodges-corruption-report-o… Paralympics chief lodges corruption report over council elections.

www.thestar.com.my/news/nation/2024/12/14/devalued-overlooked-and-seen-as-disposable "PETALING JAYA: Women returning to the workforce often face low pay and mere entry-level positions, despite possessing prior work experience and higher educational qualifications, says the All Women’s Action Society (Awam). Its assistant advocacy officer Alyssa Pong Le Ann said it is a clear reflection of how women and their unique skills and experiences are often devalued, overlooked, and seen as disposable. She said issues such as inadequate job quality, lack of workplace security and benefits, unsafe working conditions, and limited promotion opportunities further hinder their reintegration. “Unfair wages and limited promotion opportunities lead to a lack of women being represented across all levels in the workplace,” she said. She added that gender biases at the leadership level often influence organisational practices, leading to further discrimination against women. Pong said the tangible process to help women return to the workforce has been slow, despite the need for flexibility in the workplace being recognised in Budget 2025. She said that re-employment rates for women in their late 30s to 50s also remain alarmingly low, indicating a broader societal bias against women who have taken career breaks. “A study by Robert Walters points to this, finding that almost half of hiring managers in Asia have not employed any returning women, with Malaysia being the highest at 52% of hiring managers not employing returning women. “In 2022, an estimated two million women in Malaysia left the workforce, primarily due to caregiving and family responsibilities.” Robert Walters is an international head-hunting and recruitment agency. Pong said for those seeking to return to the workplace, the challenges extend beyond low wages. The women’s labour force participation rate has largely hovered around the 55% to 56% mark for the past few years (according to the Statistics Department). “Of those 55% to 56% of women in the workforce, a large majority (77.5%) are women between the ages of 25 and 29 years old,” she added. Pong said Awam suggests employers view returning women as valuable contributors to the economy, not just as beneficiaries of tax breaks. She said common misconceptions, such as the belief that returning mothers are less skilled or productive, exacerbate the “motherhood penalty”. “However, studies have found that hiring returning women (mothers in particular) can lead to a more productive, representative, and inclusive workforce,” she added. She urged the government to implement anti-discrimination legislation and fair pay, while private sector companies can also adopt pay transparency and gender-disaggregated pay gap reporting practices. “Denmark requires companies to report employee pay levels broken down by gender for various job categories. “Research found that wage transparency has led to the narrowing of the gender pay gap and would more likely lead to the employment and promotion of women workers,” she said, adding that employees also need to be equipped with negotiation skills and empowered to take collective action through union participation. Dr Sharon A. Bong, Professor of Gender Studies at the School of Arts and Social Sciences at Monash University Malaysia, said women take breaks in employment often due to caregiving and health-related or personal reasons such as burnout. “Their skills gap is exacerbated by the rapid developments in knowledge-based and skills-based industries that are further impacted by artificial intelligence (AI). “The sense of being out of touch with the demands of the workforce and workplace is real and the onus to accelerate one’s reentry is often borne by the individual alone,” she said. Bong said difficulty in finding work-life balance increases as the workplace can be an unforgiving place unless there is employee access to flexible hours, work from home arrangements and structured returnship programmes, and a general workplace culture that values equity, diversity and inclusion. She said women are often faced with the institutional challenges in which the burden of caring for families are often the female’s responsibility. “Institutional gender bias may well discriminate against women at the point of the job interview, such as to what extent are women employees considered a liability in anticipation that they would be taking work breaks, particularly for caregiving reasons. “Societal and familial expectations are that it is often the women who would need to take the routine career breaks for caregiving reasons caring for their offspring and elderly, but such feminised caregiving is often devalued and not considered ‘work’ that matters,” she added."

Nice picture

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