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  1. Knowledge Corner : Estate Planner

    Saturday, January 28, 2012

    Estate Planner
    Ensuring the orderly transfer of assets


    Qualifying as an estate planner
    Students interested in this profession should enroll in any one of the professional financial planning courses available in Malaysia. Two of more popular courses include Certified Financial Planner (CFP) and Registered Financial Planner (RFP). 


    To register in this courses, SPM or equivalent is required. The courses will cover areas such as risk management and insurance planning, tax planning, investment planning, retirement planning and estate planning.


    What will I do?
    An estate planner assists clients in the accumulation, conservation and transfer of estate with a goal of helping clients maintain financial security for themselves and their family. An 'estate' in this context comprises the net assets of deceased person. 


    Opportunities in estate planning and related areas have grown over the past two decades in Malaysia. Typically estate planners are involved in :

    • Designing and developing estate plans and drafting related legal documents (eg. will and trust).
    • Administering estates and trusts.
    • Developing strategies to reduce potential estate and gift taxes.
    • Business succession planning.
    • Insurance planning and retirement planning.





    An estate planner's job combines professionalism and entrepreneurship. It requires a high level of social skills in addition to technological knowledge. The best part about this career is that you will have an opportunity to work as an entrepreneur and not necessarily remain as an employee.


    Is it for me?

    • Do you like to solve problems?
    • Do you enjoy dealing with people?
    • Do you possess good communication skills?
    • Are you fluent in English and able to converse effectively in some local dialects?
    • Do you have an entrepreneurial spirit and a drive for achievements and financial rewards?
    • Do you believe in lifelong learning and in building a holistic knowledge base to advise people on personal financial issues?





    How much will i earn?
    Remuneration for estate planners in Malaysia is mainly performance-based and linked to the type of financial service provided. Estate planners have the potential to earn unlimited incomes, with attractive non-monetary incentives such as time flexibility and extensive training and support.


    Who will employ me? 
    Employers will mainly come from financial service providers such as those involved in writing wills (eg. Rockwills), trust and estate planning, and personal financial planning.


    [Source : doctorjob's courses NOW! Business edition, issue 58, 2009]

    half-concious writer rizal_everdeen at 12:40 PM | Labels: | 2 whispers |

  2. Knowledge Corner : Statistician

    Friday, January 27, 2012

    Statistician 
    Analyzing, interpreting and presenting information.




    Qualification routes
    To become statistician, you will need a degree in statistics, mathematics, economics or operational research. You will probably begin your career as a statistical officer and learn on the job from more senior statisticians. You will be required to work under the supervision of experienced staff until you are ready to take your own projects with more responsibility. 


    You may also need training in areas like report writing, presentations and using specialized statistical computer software. A relevant postgraduate qualification such as Master's or PhD, and advanced knowledge of statistical software packages is helpful and often recommended for higher level positions. Research and academic positions in institutions of higher education require at least a Master's degree and usually a PhD in statistics.


    What will i do?
    As a statistician, you will apply mathematical and statistical concepts, as well as use specialized software applications, to analyse data in context. Statistician are concerned with the collection, analysis, interpretation and presentation of quantitative information using computer software. 


    You work in teams, collaborating with professionals from a wide variety of fields such as health, education, government, financial sectors, the environment, industry, market research and transportation, among others. Statisticians look for trends or patterns to help decision making and recommend strategies to policymakers on key issues. Many economic, social, political, financial and military decisions cannot be made without sound statistical advice.




    Is it for me?
    You should have a liking for numbers, which means your favorite subjects should be mathematics and statistics. A strong background in economics is an added advantage when applying for jobs in banks and financial institutions. Statisticians must be skillful in using computers for statistical analysis, wordprocessing and electronic communications. 


    They should also be able to write good and well-argued reports on their findings in a manner that can be understood by persons without extensive statistical knowledge. In addition, a statistician is also required to communicate effectively with others in a team environment and must be self-motivated. 


    How much will I earn?
    Starting salaries for graduates will vary from RM2000 to RM2500, depending on academic credentials and the nature of the industry. With experience, you should progress to senior level positions and negotiate for an attractive remuneration package.


    Who will employ me?
    Statisticians have good career prospects in the public and private sectors in the field of science, technology and business. In Malaysia, employment opportunities are mostly available in :

    • government agencies, particularly in the statistics department.
    • scientific/market research companies.
    • pharmaceutical companies.
    • universities and colleges.
    • banks.
    • insurance firms.
    • manufacturing.
    • fast-moving consumer goods.
    • hospitals.





    Statisticians who work at universities generally have a mix of teaching and research responsibilities. In the manufacturing or food industry, you are involved in quality control, product development and improvement. This can involve deciding what products to manufacture, and how to price and market products. Statisticians in financial sectors manage assets and liabilities, determining the risks and returns of certain investments. Some statisticians choose to become freelance consultants after gaining several years of work experience. 


    [Source : doctorjob's courses NOW! Business edition, issue 58, 2009]

    half-concious writer rizal_everdeen at 7:30 PM | Labels: | 0 whispers |

  3. Selamat Tinggal Kawan

    Tuesday, January 17, 2012

    *sila nyanyi tajuk post tersebut macam lagu Dina tu*


    Harris, Azwa, Syafiq, Jega.
    mengikut urutan aku kenal mereka2 ni.
    empat orang rakan.
    rakan baik.
    jarang aku mengaku yang aku ada rakan baik sebelum ini.
    namun apabila bersama mereka.
    situasi berubah.
    merekalah rakan baik aku!
    haha.


    mereka berempat berjaya datang dalam hidup aku.
    berjaya jadikan aku sebagai salah seorang daripada kawan mereka.
    berjaya hidupkan hari2 aku di UPM yang selalunya kosong.
    yang selalunya hambar.
    yang selalunya BOSAN.


    untuk kali pertama dalam hidup aku, aku diterima.
    diterima seadanya.
    prejudis jauh sekali.
    aku diajak utk buat keputusan.
    aku diajak utk berbincang.
    aku diajak utk menyelesaikan masalah.
    aku dianggap penting.


    waktu sekolah?
    waktu asasi?
    aku sekadar pengikut.
    perancangan dibuat tanpa keinginan aku.
    aku hanya unsur asing.
    anasir2 luar.
    seperti gas2 nadir.
    tak memberi apa-apa makna.


    namun begitu.
    yang dahulunya lima.
    kini tinggal tiga.
    seorang meneruskan perjuangan sebagai seorang guru.
    berjuang demi anak2 bangsa.
    demi negara dan seumpanya.
    seorang lagi ke tanah asing.
    mengikut keluarga dan terus menuntut ilmu disana.
    ilmu yang lebih luas.
    ilmu yang lebih banyak.


    ------------------------------------------------------------


    ini Harris. say hi to Harris everyone! :D
    perhatian kepada wanita2 diluar sana, dia dah berpunya. dah nak kahwin dah pun. haha. aku tau ada yang akan kata, "boleh tahan la mamat ni" atau sebagainya. 
    anyway, dia ni lah Harris. dia antara orang terawal yang aku kenal kat UPM. coursemate aku, classmate aku [kecuali TITAS dengan elektif asas. aku ambik ekonomi, dia ambik akaun] dan one of my acknowledged best friends. biarpun 4 bulan je kitaorg kenal tapi jujurnya aku kata, dia antara manusia yang sanggup tahan dengan perangai aku yang bising2 ni. dia akan berangkat pergi ke UK. London mungkin. bapa dia dihantar ke sana sebagai wakil kedutaan Malaysia, kalau tak silap aku ah. makanya, dia dan keluarga pun beramai-ramai pergi mengikuti ketua keluarga mereka. 

    pesanan kpd anda : jangan lupa kami disini. kat sana nanti, tahap pemikiran omputeh lain sikit dari tanah air ni. makanya, [seperti yang pernah dikatakan sewaktu sesi luah perasaan kat McD haritu] bukalah pemikiran. jadi lebih open-minded dari sebelum ni. 
    GOODLUCK! :D


    now this is Jega. say hi to Jega everyone! :P
    okey. beliau ini namanya Jegajeevan. haha. dia bukan budak degree ye. diploma apatah lagi. dia student MASTER. tinggal satu sem je lagi sebelum habis. master in TESL/English Literature, i'm not sure. budak2 lain semua kenal dia waktu minggu orientasi tapi aku kenal dia lambat sikit pasal terlibat dengan Malam Tunas Putra. dia antara beberapa manusia yang aku respek kerana dia sentiasa menjadi diri dia sendiri, dimana-mana sahaja. tiada prejudis dan tiada lakonan. dia selalu bawak kitaorang berlima keluar makan, keluar jalan, keluar pergi semua tempat. dia sem depan dah tak bersama lagi di UPM kerana dapat jawatan sebagai guru English kat Johor Bharu. dah beberapa tahun sebagai guru sementara namun akhirnya dapat jawatan sebagai guru tetap. lagipun, parents + relatives dia ramai kat johor-singapore jugak. 


    pesanan kepada anda : sentiasa ingat kami semua. always be yourself like you are now. jadi cikgu yang berjaya kat johor tu nanti. lepastu, jangan lupa ajak kitaorg pergi kenduri kahwin tau? 


    ---------------------------------------------------------------------------------------

    half-concious writer rizal_everdeen at 12:07 PM | Labels: , | 1 whispers |

  4. My Side Of The Story

    Friday, January 6, 2012

    Pengenalan Watak
    aku, W, X, Y, Z.

    Tarikh
    4hb Januari 2012

    Jalan Cerita

    waktu itu hampir tengahari sebelum kejadian itu berlaku. aku seperti biasa mengisi masa-masa lapang aku dengan melayari internet, itupun setelah berhempas pulas dengan subjek TITAS yang  cukup mencabar pemikiran aku. kalau tidak kerana peperiksaan akhir keesokan harinya, HARAM aku nak baca buku itu. haish. manusia memang adakalanya belajar demi peperiksaan, bukannya untuk menuntut ilmu. salah niatku itu. akan ku betulkan ia kembali, InsyaALLAH.

    puas mengelamun, perut mula berbunyi. aku mengambil keputusan untuk menghantar SMS kepada X, Y dan Z. kira-kira sepuluh minit selepas itu, Y membalas. dia bertanya, "dah ajak yang lain?" lalu aku membalas kembali, "dah dah." katanya ingin mandi dahulu. lalu aku biarkan dia melakukan rutin harian beliau itu. 

    tatkala aku berniat untuk menutup laptop, satu pesanan sampai di'chatbox' aku. aku lihat nama penghantar pesanan itu, X.
    "weh, tolong tapaukan. aku nak 'study' TITAS ni. banyak lagi yang tak baca,"
    hati aku menjadi sedikit panas. macamlah aku ni sudah habis menelaah subjek itu. macamlah 
    Y dan Z sudah habis menelaah. diminggu terakhir ini aku memikirkan ada baiknya kami berempat menghabiskan lebih banyak masa bersama, terutamanya waktu makan. tambahan lagi, X sudah tiada semester depan. bapanya mendapat tawaran untuk ke luar negara dan membawa keluarganya bersama. sekurang-kurangnya makan bersama itu, biarpun nampak mudah dan biasa sahaja, masih dapat mengukir satu bentuk memori yang boleh diingat kembali sewaktu X sudah berada di sana kelak.
    "aku tak reti tapau2 ni." itu sahaja balasan dari aku, dengan harapan dia mengikut sekali kami untuk makan.

    lima minit berlalu, nada dering 'Mr Saxobeat' berbunyi dari telefon bimbitku. nama X tertera di skrin. "weh jom makan sekarang." lalu ku balas kembali "tunggu Y mandi kejap lepas tu kita gerak sekali." siap membalas mesej itu, aku bersiap-siap mengambil 'wallet' dan kunci bilik. aku keluar dari bilik, mengunci pintu, menyapa seorang dua yang lalu dari arah bertentang dan meneruskan perjalanan ke bilik Y. 

    pintu bilik Y diketuk-ketuk beberapa kali. rakan sebilik Y membuka pintu. aku menjadi pelik sekejap. dapat kulihat dari pintu itu Y masih lagi tenggelam dengan selimut dia itu. 
    "dah mandi ke belum ni?" dengan nada sedikit sakit hati. sepatutnya dia sudah selesai mandi sekarang ini. "nak pergi mana?" balas Y. ekspresi mukaku terus berubah. "kan nak pergi makan? kau dah mandi ke belum ni?" nadaku sedikit tinggi. "jadi ke? kan Z tak bangun lagi, bla bla bla." aku sudah mula panas. penyataan Y yang kemudiannya itu sudah tidak aku dengari. "kau pegi mandi sekarang, aku naik bilik diaorg"

    aku biarkan sahaja Y disitu, dengan hati yang diselubungi perasaan marah. aku naik tangga ke bilik X. aku lihat pintu terbuka. dalam hati aku dapat rasakan yang mereka sudah selesai bersiap untuk terus pergi. aku terus berdiri di depan pintu bilik X.

    X sedang makan nasi, bersama-sama dengan W. 

    tanpa berkata apa-apa, aku yang pada awalnya marah dan bertambah marahnya dengan melihat keadaan itu, terus meninggalkan kawasan kejadian. "weh, Z tak makan lagi ni. pergi ah makan dengan dia" jerit X. aku terus memberi pesanan kepada Y dan Z melalui telefon bimbit aku, "korang pergi makan ah berdua. aku tak makan,"

    kini sudah tiga hari, tiada seorang pun ingin bertanya kepada aku mengenai perkara yang sebenar. makanya aku tulis disini jika mereka ingin membacanya.

    -------------------------------------------------------------------

    Q : yang kau marah sangat kenapa? pasal makan je kot.
    A : jumpa aku personally kalau nak tau jawapan dia. aku tulis kat sini tak sama dengan apa yang aku rasa, tak sama dengan apa yang aku nak cakap. understand? jgn nak buat2 fitnah sangat pasal aku.

    half-concious writer rizal_everdeen at 10:41 AM | Labels: | 3 whispers |

  5. Oh My Dear Adele.

    Tuesday, January 3, 2012

    now this is what we call as BEING YOURSELF.

    SO TRUE. 

    Adele logic. =P


    song playlist at the moment : 
    Rolling In The Deep
    Turning Tables
    Someone Like You
    Rumour Has It
    Set Fire To Rain


    half-concious writer rizal_everdeen at 8:13 PM | Labels: | 0 whispers |