Tiyung Dayak – “The Sour Dayak Apple” in Bidayuh Politics

For the Greater Glory of Bidayuh Politics

An Open E-mail to the Bidayuh Young Ones…

From: “Brader Ah Long Mao” <the_prosperous_dragon@yahoo.com.sg>
To: “The Bidayuh Young Ones” <daridayungbidayuh@gmail.com>
Subject: Money Talk – Part II
Date: Fri, 28 Mar 2008 23:59:48 +0800

My dearest young friends – wherever you might be within Malaysia,

As you we are categorized under the second class of “BUMIPUTERA LAIN-LAINs” (a term adapted from http://partistar.wordpress.com/) or better known in short as “BU.L.Ls. (?)”, we do have the privilege given by the gomen. Each one of us has been given an opportunity to be rich through legal means. One of the legal means is that every BU.L.L. like you and I is entitled for a RM200K (or RM200,000.00) investment loan through ASB (Amanah Saham Bumiputera). Such investment looks attractive as it includes INSURANCE COVERAGE – could you disagree more? UNFORTUNATELY, most of us – the BU.L.Ls. – have lack of information regarding this ASB Investment Loan, including basic knowledge on matters related to investment. And that’s the main purpose I wrote this article – free of charge! Well, do remember that this Brader Ah Long Mao tolong maah… and that’s all, lah! Yes, there are readers out there who are filthy rich (read: stingy) by now after they get involved in this ASB investment, but then, they just kept quiet and don’t want to share their investment experience… Ooops! Never mind, lah… Better late than never or it’s NOW or NEVER!

Do you know that WHY, whenever there is an announcement by the gomen that it will launch the new investment scheme, most of us – the BU.L.Ls. – will give a lukewarm response to it, unlike other Non-BU.L.Ls.? Again, the reasons are due to lack of information lah; we are made “poorer and poorer” each and every day lah (you do know what I mean, right?!); etc. BUT THEN, not many of us knew that we – the BU.L.Ls. – are very fortunate to have the privilege and opportunity to be rich. Of course, some of us were not born to be rich (as Swisserikin…), but, whenever there’s a will, there’s a way, lah!

Before you proceed, ask yourself a question on what is your VISION for the next 20 years. For example, “Have I seen the target (apart from light) at the end of the tunnel?!” In the context of “Money Talk – Part II”, the answer is, “Yes, I want to be another Orang Kaya Baru (OKB) on the block…” Then, ask yourself another question on what is your MISSION objective such as, “How to snipe the target, then?” In this context, the answer depends on you, my friends! Only through strict discipline that you can involve in “Forced Saving” by taking the ASB Investment Loan and repay the loan as low as ± RM100.00 per month (fixed, monthly payment) for the next 20 years! Well, please be informed that the monthly amount to be paid is LESS than RM100.00 for RM10K loan and I just give the round figure, lah. Easy for me to do the calculation, what?! Anyway, kindly check the latest figures with any local commercial bank…

OK, you have two options: (i) to invest through the ASB Passbook (i.e. using your own savings without getting any bank loan); and (ii) to invest through the ASB Investment Loan (with a maximum loan of RM200K per individual). But, so as not to confuse my young readers and make them understand the investment concept, let me focus my explanation/discussion based on RM10K investment first. I chose the 8% dividend as the average point, as this value is currently in use by the local banks. A word of caution: There is NO GUARANTEE that the 8% dividend will be maintained for the next 20 years, and thus, such value is used mainly for illustration only. In fact, this article serves as an investment guideline for our young fellow Bidayuhs (including other BU.L.Ls), who have entered the work force and don’t know what to do with (or where to dump) their excess disposable income – if any, lah!

Let me illustrate the first option. You have a disposable income of RM100.00 per month and you are intended to save the same, fixed amount of RM100.00 into your ASB Passbook on monthly basis for the next 20 years (a long term investment). See Table 1 below. (NOTE: The bank officer in-charge won’t give you the following tables during consultation!)

Table 1. Basic Investment via ASB Passbook (to start with a new balance of RM0.00).

Investment

Year

New Balance (RM)

(A) = start-up or previous (E)

Annual

Investment

(RM)

(Jan – Dec)

(RM100.00/month x 12 months)

(B)

Grand

Total

(RM)

(C) = (A) + (B)

8%

Dividend

(RM)

(D) = (C) x 0.08

Accumulative

Total

(RM)

(E) = (C) + (D)

1

0.00

1,200.00

1,200.00

96.00

1,296.00

2

1,296.00

1,200.00

2,496.00

199.68

2,695.68

3

2,695.68

1,200.00

3,895.68

311.65

4,207.33

4

4,207.33

1,200.00

5,407.33

432.59

5,839.92

5

5,839.92

1,200.00

7,039.92

563.19

7,603.11

6

7,603.11

1,200.00

8,803.11

704.25

9,507.36

7

9,507.36

1,200.00

10,707.36

856.59

11,563.95

8

11,563.95

1,200.00

12,763.95

1,021.12

13,785.07

9

13,785.07

1,200.00

14,985.07

1,198.81

16,183.87

10

16,183.87

1,200.00

17,383.87

1,390.71

18,774.58

11

18,774.58

1,200.00

19,974.58

1,597.97

21,572.55

12

21,572.55

1,200.00

22,772.55

1,821.80

24,594.36

13

24,594.36

1,200.00

25,794.36

2,063.55

27,857.90

14

27,857.90

1,200.00

29,057.90

2,324.63

31,382.54

15

31,382.54

1,200.00

32,582.54

2,606.60

35,189.14

16

35,189.14

1,200.00

36,389.14

2,911.13

39,300.27

17

39,300.27

1,200.00

40,500.27

3,240.02

43,740.29

18

43,740.29

1,200.00

44,940.29

3,595.22

48,535.52

19

48,535.52

1,200.00

49,735.52

3,978.84

53,714.36

20

53,714.36

1,200.00

54,914.36

4,393.15

59,307.51

 

 

24,000.00*

 

 

 

Notes:
  • 1. Income (profit) to be made in the next 20 years = RM59,307.51 – RM24,000.00 = RM35,307.51
  • 2. The numbers affixed with * indicates the total investment to be made by the end of 20 years of investment.
  • 3. No interest rate will be charged; instead you’ll get the annual, 8% dividend (the average point). But then, is it achievable? It depends on your financial/investment planning and discipline, lah
  • 4. No break-even point/pay back period is available for this type of investment. Ada kah???

Here comes the second option – the ASB Investment Loan. Well, the story is exactly the same. You have a disposable income of RM100.00 per month and you are intended to repay your bank loan the same, fixed amount of RM100.00 on monthly basis for the next 20 years (a long term investment). Yes, you have to loan from any local bank in order to purchase your ASB shares; otherwise, you’ll not help much in the generation of our economy, right?! Sort of learning “economic recycling theory”, lah. See Table 2 below.

Table 2. Basic Investment via ASB Investment Loan (to start with a new balance of RM10,000.00).

Investment

Year

New Balance (RM)

(A) = start-up or previous (D)

Loan Repayment

(RM)

(Jan – Dec)

(RM100.00/month x 12 months)

(B)

8%

Dividend (RM)

(C) = (A) x 0.08

Accumulative

Total (RM)

(D) = (A) + (C)

1

10,000.00

1,200.00

800.00

10,800.00

2

10,800.00

1,200.00

864.00

11,664.00

3

11,664.00

1,200.00

933.12

12,597.12

4

12,597.12

1,200.00

1,007.77

13,604.89

5

13,604.89

1,200.00

1,088.39

14,693.28

6

14,693.28

1,200.00

1,175.46

15,868.74

7

15,868.74

1,200.00

1,269.50

17,138.24

8

17,138.24

1,200.00

1,371.06

18,509.30

9

18,509.30

1,200.00

1,480.74

19,990.05

10

19,990.05

1,200.00

1,599.20

21,589.25

11

21,589.25

1,200.00

1,727.14

23,316.39

12

23,316.39

1,200.00

1,865.31

25,181.70**

13

25,181.70

1,200.00

2,014.54

27,196.24

14

27,196.24

1,200.00

2,175.70

29,371.94

15

29,371.94

1,200.00

2,349.75

31,721.69

16

31,721.69

1,200.00

2,537.74

34,259.43

17

34,259.43

1,200.00

2,740.75

37,000.18

18

37,000.18

1,200.00

2,960.01

39,960.19

19

39,960.19

1,200.00

3,196.82

43,157.01

20

43,157.01

1,200.00

3,452.56

46,609.57

 

 

24,000.00*

 

 

Notes:
  • 1. The numbers affixed with * indicates the sum of money that you’ll have to pay for the bank loan. Using a straight forward calculation, the total amount of interest payable to the bank for the next 20 years = total installment – total loan = RM24,000.00 – RM10,000.00 = RM14,000.00 (or RM700.00/year); or the annual interest rate = [(RM700.00/RM10,000.00) x 100] = 7%. It’s quite high, though…
  • 2. The numbers affixed with ** indicates the year when you can start making money (break-even point/pay back period), i.e. let say in the second quarter of the 12th year. This is where the amount of money generated will surpass the total amount of loan repayment (RM24,000.00).
  • 3. The income (profit) to be made = RM46,609.57 – RM24,000.00 = RM22,609.57
  • 4. Compare the difference in the amount of annual dividend to be gained with Table 1.

So, did you notice the difference between those two options?

What?! You have a blurred vision?! OK, let me explain…

For Option 1 (i.e. investment using your own savings), you’ll have zero capital at the start of your investment year, whereas for Option 2 (i.e. investment using the ASB Investment Loan), you’ll have the RM10K capital. It will take you more than 7 years to achieve the RM10K capital for Option 1, whereas for Option 2, the capital will be increased almost 50% within the same time frame (see Tables 1 and 2). You will also notice the difference in gained dividends for both options – see the difference in amount gained and the time frame. For example, the RM1K mark will be gained during the 8th year for Option 1, whereas for Option 2, the same RM1K mark will be gained during the 4th year. Yes, the element of time plays an important role here. There’s a saying, “With time, you’ll be there…”  Well, you can make simple graph comparisons on capital investment and dividends for both investment options using Microsoft Excel – a little homework for you, lah!

You’ll also wondering as why the profit from ASB Investment Loan is smaller compared to “self-induced” investment. Hello, my friends! The reason is that you’ll have to repay your bank loan (including interests), what?! But then, the MAIN ADVANTAGE is that we have been given the privilege to get such loan from any local bank to purchase the ASB shares up to RM200K; make some fortune out of it, which is TAX-FREE and the future profit is to be guaranteed by the gomen.

You can use Option 1 if you are “loaded” and have a stable and fixed disposable income at RM100.00 per month for the next 20 years, BUT THEN, is that a reliable option? The temptation is there whenever you look at your accumulated “capital” for Option 1. Let say a year or two after investing, for sure you’ll siphon your money, right?! So, that’s the disadvantage of using personal savings for ASB investment. Lots of Bidayuh old folks (not to politically gossiping them, lah!) succumb to this kind of ideology due to limited amount of cash in their hands, as they need it for keeping their school-going children, other loans, etc. And that’s the main reason why I focused my attention to the Bidayuh young ones to start their own savings via ASB Investment Scheme… And please remember that we live our daily life under the constant pressure of variable costs created by the Barang Naek (BN) gomenHarga minyak (masak) naek, gula naek… You name it!

That explained why the ASB Investment Loan is a VIABLE option. You’ll have the substantial amount of start-up capital at RM10K (engraved in the certificate and NOT in cash) and you’ll constantly “upgrade” (accumulate) the amount on yearly basis. Yes, the year-end dividend will be accumulated, together with the previous balance. In your ASB Passbook, however, only annual dividend will be made available. Other amounts are safely hidden somewhere to prevent any mismanagement of the investment. Thus, it is advisable that you should practice a very STRICT DISCIPLINE, i.e. not to withdraw the money BEFORE the maturity period (i.e. before the break-even point/pay back period), otherwise, your investment planning will be disrupted! It is also known that the investment money is able to generate itself by the end of second year of the investment, but then, you still have to repay your bank loan (including interests). You can only withdraw the money within the second quarter of 12th year of investment, where your loan repayment is now complete. However, if you are planning to get the money even before its maturity period, the bank can determine the balance amount that belongs to you after it carry out the deduction process of your loan balance. But then, the investment effort is no longer worth, lah

So, are you getting excited now? Wow… that’s good! How about the RM50K loan? I’m sure that you’ll be more interested. The RM50K loan is viable for those who have substantial amount of disposable income and yet they don’t have the idea on where to dump their excess money. The best proportion is RM50K:RM50K:RM50K:RM50K, which equals to RM200K. Better start with RM50K for the first phase, and then another RM50K for the second phase until you reach the maximum investment of RM200K. If you are married and still being a young, honeymooner couple (like TBS Bidayuh & wife… Heh!), then you can combine your future wealth with your spouse. The road to OKB Club is there for you and your family… It’s true, given that you’ll practice a very strict discipline in both planning and managing your investment. Besides, doing investment with ASB can be considered as a LOW RISK INVESTMENT and the profit is to be guaranteed by the gomen, where you don’t have to fork out more for capital investment.

To further illustrate, let’s make a comparison between putting all your money that you have to set up a grocery shop versus putting your money (at fixed amount on monthly basis) by repaying your ASB (bank) loan for the next 20 years! For grocery shop, you need more capital investment, but then, at the same time it doesn’t guarantee you a profitable business, as you have to face stiff competition from your competitors, etc. For ASB investment, you need only an affordable capital at regular basis (for bank loan and interest repayment) and your investment will be monitored by ASB fund managers, so you don’t have to worry much about your money whereabouts. Yours is “money back guaranteed” by the gomen. What you have to do is to trust those fund managers to manage your money while at the same time, you can do something else, lah! In fact, housing and car loan repayment applies the same rule, but with ASB Investment Loan, you need not have to worry about maintenance cost, depreciation value, irregular resale value (including fuel prices), etc.

OK, let me illustrate the following example using RM50K as basis for an investment. The previous explanation still applies here, except that there’s a difference in amount of money involved. For example, you have a disposable income of RM365.00 per month and you are intended to save the same, fixed amount of RM365.00 into your ASB Passbook on monthly basis for the next 20 years (a long term investment). See Table 3 below.

Table 3. Basic Investment via ASB Passbook (to start with a new balance of RM0.00).

Investment

Year

New Balance (RM)

(A) = start-up or previous (E)

Annual

Investment

(RM)

(Jan – Dec)

(RM365.00/month x 12 months)

(B)

Grand

Total

(RM)

(C) = (A) + (B)

8%

Dividend

(RM)

(D) = (C) x 0.08

Accumulative

Total

(RM)

(E) = (C) + (D)

1

0.00

4,380.00

4,380.00

350.40

4,730.40

2

4,730.40

4,380.00

9,110.40

728.83

9,839.23

3

9,839.23

4,380.00

14,219.23

1,137.54

15,356.77

4

15,356.77

4,380.00

19,736.77

1,578.94

21,315.71

5

21,315.71

4,380.00

25,695.71

2,055.66

27,751.37

6

27,751.37

4,380.00

32,131.37

2,570.51

34,701.88

7

34,701.88

4,380.00

39,081.88

3,126.55

42,208.43

8

42,208.43

4,380.00

46,588.43

3,727.07

50,315.50

9

50,315.50

4,380.00

54,695.50

4,375.64

59,071.14

10

59,071.14

4,380.00

63,451.14

5,076.09

68,527.24

11

68,527.24

4,380.00

72,907.24

5,832.58

78,739.81

12

78,739.81

4,380.00

83,119.81

6,649.59

89,769.40

13

89,769.40

4,380.00

94,149.40

7,531.95

101,681.35

14

101,681.35

4,380.00

106,061.35

8,484.91

114,546.26

15

114,546.26

4,380.00

118,926.26

9,514.10

128,440.36

16

128,440.36

4,380.00

132,820.36

10,625.63

143,445.99

17

143,445.99

4,380.00

147,825.99

11,826.08

159,652.07

18

159,652.07

4,380.00

164,032.07

13,122.57

177,154.63

19

177,154.63

4,380.00

181,534.63

14,522.77

196,057.40

20

196,057.40

4,380.00

200,437.40

16,034.99

216,472.40

 

 

87,600.00*

 

 

 

Notes:
  • 1. Income (profit) to be made in the next 20 years = RM216,472.00 – 87,600.00 = RM128,872.40
  • 2. The numbers affixed with * indicates the total investment to be made by the end of 20 years of investment.
  • 3. Again, no interest rate will be charged, instead you’ll get the annual, 8% dividend (the average point). But then, is it achievable? It depends on your financial/investment planning and discipline, lah
  • 4. No break-even point/pay back period is available for this type of investment. Ada kah???

Here comes the second, RM50K option – the ASB Investment Loan. Well, the story is exactly the same. You have a disposable income of RM365.00 per month and you are intended to repay your bank loan the same, fixed amount of RM365.00 on monthly basis for the next 20 years (another long term investment). See Table 4 below.

Table 4. Basic Investment via ASB Investment Loan (to start with a new balance of RM50,000.00).

Investment

Year

New Balance (RM)

(A) = start-up or previous (D)

Loan Repayment

(RM)

(Jan – Dec)

(RM365.00/month x 12 months)

(B)

8%

Dividend (RM)

(C) = (A) x 0.08

Accumulative

Total (RM)

(D) = (A) + (C)

1

50,000.00

4,380.00

4,000.00

54,000.00

2

54,000.00

4,380.00

4,320.00

58,320.00

3

58,320.00

4,380.00

4,665.60

62,985.60

4

62,985.60

4,380.00

5,038.85

68,024.45

5

68,024.45

4,380.00

5,441.96

73,466.40

6

73,466.40

4,380.00

5,877.31

79,343.72

7

79,343.72

4,380.00

6,347.50

85,691.21

8

85,691.21

4,380.00

6,855.30

92,546.51**

9

92,546.51

4,380.00

7,403.72

99,950.23

10

99,950.23

4,380.00

7,996.02

107,946.25

11

107,946.25

4,380.00

8,635.70

116,581.95

12

116,581.95

4,380.00

9,326.56

125,908.51

13

125,908.51

4,380.00

10,072.68

135,981.19

14

135,981.19

4,380.00

10,878.49

146,859.68

15

146,859.68

4,380.00

11,748.77

158,608.46

16

158,608.46

4,380.00

12,688.68

171,297.13

17

171,297.13

4,380.00

13,703.77

185,000.90

18

185,000.90

4,380.00

14,800.07

199,800.97

19

199,800.97

4,380.00

15,984.08

215,785.05

20

215,785.05

4,380.00

17,262.80

233,047.86

 

 

87,600.00*

 

 

Notes:
  • 1. The numbers affixed with * indicates the sum of money that you’ll have to pay for the bank loan. Using a straight forward calculation, the total amount of interest payable to the bank for the next 20 years = total installment – total loan = RM87,600.00 – RM50,000.00 = RM37,600.00 (or RM1,880.00/year); or the annual interest rate = [(RM1,880.00/RM50,000.00) x 100] = 3.76%. Well, it can be considered as low, though…
  • 2. The numbers affixed with ** indicates the year when you can start making money (break-even point/pay back period), i.e. let say in the first quarter of the 8th year. This is where the amount of money generated will surpass the total amount of loan repayment (RM87,600.00).
  • 3. The income (profit) to be made = RM233,047.86 – RM87,600.00 = RM145,447.86
  • 4. Compare the difference in the amount of annual dividend to be gained with Table 3.

Is it sounds bombastic and fun-tastic, Mr. & Ms. Lobak Merahs?! Oh yes… Well, there’s no need for me to beat around the bush again, as you can evaluate the pros and cons about this ASB Investment Loan. In fact, the figures will tell you something, what!? So… easy-easy, just drop by at any local commercial bank (of your preferred choice) that offered ASB Investment Loan and talk to the investment officer in-charge (or Consumer Sales Officer) for more details, lah… And DON’T FORGET to bring along photostated copies of your N.R.I.C., the 3-month pay slips and ASB Passbook (if any). Scanned copies are optional if you are communicating with the bank officer in-charge through e-mailing – just like myself, as I live and work in a remote area – deep in the jungle in the middle of Sarawak!

There’s an infamous saying, “Biar gaya hidup nampak selekeh, tapi duit simpan dalam bank mesti mao ada lebeh…” I shared my vision and mission with my friends and they are interested to join in the band wagon. A RM10K loan for investment seems fine for a start-up venture, especially for those in the lower income group (RM1,000.00 and below). In fact, I have told my colleague that he should go for a RM10K loan for investment – not for himself – but for his first-born son, so that his son would not have financial difficulty to further his studies at any local university in the future. His only reply was “Yes, yes… correct, correct!” Well, I’m not sure whether he would like to apply for ASB Investment Loan to invest or not, as he already been burdened with other loans!

Let me quote in “fast-track” Foochow dialect, “Ke ni kiang chieng, epieng chi ne chieng…“, which can be loosely translated into Chap Ah Pek’s broken Malay as “Lu muang sikit lui apa, tapi lu moleh miking mangiak lui wooo…” or “You spend a little (to invest in a small amount regularly), but then, you’ll reap a big fortune, lah!”. “Sikit-sikit, lama-lama jadi bukit (atau rakit)…” is (modified) Malay saying that could be best described the ASB Investment Loan. The Malay word “rakit“, however, can be perceived as “excessive withdrawal of investment money until it becomes diminish”, lah!

One of my Non-BU.L.L. friends said to me, “Wahlau eh! Ko-at ong-tong lah lu! Ini maciam sinang-sinang lu mikin lui. Kita olang mana lapat, mao ambek itu Amanat Syaham Wawasyan (ASW) pun ko-at sosah. Kita olang tunggu kaunta sana mao tujuh pagi woo (to get and buy the shares)… mikin “queue” pakai nombo, sampai itu nombo lima ahhh, sudah abis jual! Itu kompiute ahhh, sudah tutup!!! Apa maciam mao lapat leh?!” See, how lucky we are, even though we are the second class BU.L.Ls.! 

With the hope of better investment profit in the next 20 years, only then we would have HIGH PURCHASING POWER without returning (or resorting) – regularly – to Wang Mari 555 $ervice$ Enterprise

From now on, start treating your ASB investment as ONE of your precious money-making businesses!

Well, the final say is yours! So, help spread this good news and happy investing! Till then, bubbye

With brotherly love,

Brader Ah Long Mao’s unique signature, what…

Note:

Apart from using straight forward calculation, a compound interest formula – [1 + r]n – can also be used (but very complicated one, lah!), where r = the average point for annual dividend; n = number of years. The following calculations are based on Principal Capital Investment (PCI) of RM50K via ASB Investment Loan with Annual Loan Repayment (ALR) is RM4,380.00.

Given the 8% annual dividend as the average point for 20 years (i.e. r = 0.08), thus the Compound(ed) Interest (CI):

= [1 + r]n

= [1 + 0.08]20

= [1.08]20

= 4.66

Accumulative Total (AT) for 20 years:

= PCI x CI

= RM50,000.00 x 4.66

= RM233,047.86

Total Loan Repayment (TLR) for 20 years:

= ALR x 20 years

= RM4,380.00 x 20 years

= RM87,600.00 (inclusive of PCI and TPI)

Total Payable Interest (TPI) for 20 years:

= ALRPCI

= RM87,600.00 – RM50,000.00

= RM37,600.00

Annual Interest (AI):

= TPI / 20 years

= RM37,600.00 / 20 years

= RM1,880.00

Annual Interest Rate (AIR):

= [(AI / PCI)] x 100%

= [(RM1,880.00 / RM50,000.00)] x 100%

= 0.0376 x 100%

= 3.76%

Profit (P) to be made:

= ATTLR

= RM233,047.86 – RM87,600.00

= RM145,447.86

————————————————————————

Acknowledgements

Yes, yes… correct, correct! I would like to express my gratitude and thanks to my taikors (you know who you are) for their valuable guidance in making this article a success. Thanks are also due to my beloved Amoy for her love and encouragement, lah

May God bless you all!

March 28, 2008 Posted by | 04 Money Talk | 12 Comments

“Money Talk” by Brader Ah Long Mao…

Money can talk meh…?!

The caption reads: How to convert the 88 cents into “valuable paper (bundles)” in the next 20-year span…?

Ooops! Brader Ah Long Mao from Wang Mari 555 $ervice$ Enterprise is still doing an “intensive” research on finance banking, lah… You know – library search, teleinterviews and all that… it’s quite cumbersome, though! This is a promo advertisement only, what?! Heh!

Anyway, Brader Ah Long Mao really wants to help the young Bidayuhs* (yes, the young ones!) to get involve in this discreet financial business. It’s free of charge**, anyway! as this Brader Ah Long Mao really stay true to his slogan “Ini Ah Long Mao tolong maah…

And now YOU DO BELIEVE that money can talk-talk one, ah… Heh!

So, watch out for the next article to be appeared in this blog!

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* Forget about the Bidayuh old folks @ home, lah!

** If they (the Bidayuh old folks) want to lend the money from Wang Mari 555 $ervice$ Enterprise, then they should pay an extra 20% – 35% for administration, etc. charges… L.O.L!!!

March 16, 2008 Posted by | 04 Money Talk | 3 Comments

The Power of Three (Buddies)?

Tiyung Dayak & Friends…

Tiyung Dayak & Friends…

Tiyung Dayak (at 6 o’clock) and his fellow Blogoticians – TBS Bidayuh (at 12 o’clock) and Swisserikin (at 3 o’clock)… (“,). Each individual’s “Machiavellian” character is depicted with the “face (or ass…) mimic” found on the skin of those Tiyung Dayak fruits, although we are not resorted to Machiavellian tactics of political manipulation nor deception (read Machiavelli’s Art of War)!

Anyway, I’m sorry for (Borneo?) Post Reader, as there are only three Tiyung Dayak fruits left and used in the so-called “group photo session”! I got four actually, but then, the other one was considered as a “casualty of war” lah – ended up in Jack’s pot of hot soup, cooked with salted Stink Sting Ray fish and mixed with oriental spices… Heh!

Together we’ll “cook those crooks”, just like how we cook “Tiyung Dayak” soup!

——————————————

Well, I’m still learning on how to put photos inside this blog. It’s a stupid thing to do though… but then, it’s worth learning, as I always believe that being “irrational” will certainly leads us to somewhere – sort of having a “trial and error” basis! Ooops!

Read also Sun Tzu’s Art of War – it is still relevant to be applied in our daily life management!

March 14, 2008 Posted by | 03 Miscellaneous | 5 Comments

The “Undisputed” Hegemony’s New Order that Slowly Creeps into Our Community…

Editor’s note (April 13, 2008):

Read this protest note by a Sabahan in Malaysia Today on the menace of Malay Hegemony dated April 13, 2008. 

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The latest craze among the Bidayuhs is that a new, “Malaynized” Bidayuh resettlement known by its infamous name – “Kampong Tun Razak” – is now becoming a reality and to be nestled among the Bidayuh villages in Padawan area. It is believed that the blue print is already made available under the purview of handful (and yet unreliable) Bidayuh elites. These Bidayuh elites are HELPLESS and COULD DO NOTHING more for their own people, rather than to follow and obey orders given by their powerful political masters.

Well, there’s no need for me to explain in details on how the new resettlement became a reality, as I assume that most of my readers already knew about it. So to speak, the new settlement was launched on March 4, 2008. The next morning, the news about it then creates a kind of “Tsunami uproar” among the Bidayuhs all over Malaysia! Ya lah, satu Malaysia gago, apa! The SMSes were flooded/crisscrossing Malaysia cyberspace with different versions of the story, but then, it does focused on ONE reality – that the “undisputed” hegemony’s new order is now invades further into the Bidayuh highland! Majority of the Bidayuhs have voiced their dissatisfaction over the issue and one Blogotician have put his “sorrow” into a kind of lamentation song that goes like this, “(S)udah luka, disembur(simbah) cuka… (Wounded, and yet poured with formic/acetic acid/vinegar…)” (Well, I am not sure lah, which one he “likes” most!).

So, what are the benefits that our affected folks will get from such debolotment and “have to” stay in the new resettlement area? To me, there’s NOTHING, as more social problems will arise in a few years to come. Tak caya, tunggu dan lihat! We have seen lots of examples happened all over Sarawak. However, if you are not satisfied with my answer, just wait for Rintos Mail, Jacob Achoi and/or (BORNEO?) POST READER to find it out in the future or you too can do your own, “unofficial” social survey based on the affected community. Just go and visit them next time whether they are doing fine with their newly found livelihood.

Another silly question to ponder is: Will the next, new resettlement area be named with “Kampong Toon So and So” (as already been discussed earlier by fellow Blogoticians), following the undisputed hegemony’s new order?! And what will be the major economic activity? Mao tanam getah (lagi kah)? Let say lah, if other Bidayuhs are forced to move from their ancestral villages due to acquisition of “pristine” limestone mountains! Thus, we should be more vigilant against such new debolotment!

Another example to look at, what are the benefits gained by the Bidayuhs with the establishment of Borneo Highland Resort? Of course, the benefits are in the form of basic infrastructure, but then, there’s no need for me to elaborate on that lah. Oh, by the way, thanks for it, anyway! But, when you look around you, who are the fore runners of the resort? Do we see any Bidayuh that hold high (managerial) position(s)? Anybody? NO? Why? Lack of education awareness, kah? It could be, otherwise, we won’t see our fellow Bidayuhs work as gardeners or any other low paying jobs at the resort. The same situation could happen again in few years to come once the nearby water resort is fully operational. And who will gain from such project? No doubt, it would be a few Bidayuh elites (again)! For sure we – the Bidayuhs – would be a laughing stock to the Bidayuh elites, including other Malaysians and foreigners, as we are the coolies (and not the masters) in our own land.

And how can we make our pandat (the Bidayuh sword) match with the keris in the near future? Only through aggressive education campaign, I think, starting with our own family members. If you ask me on why I don’t contribute through DBNA Educational Wing (of hope?) kah and so on, well, I live and work in Dallas lah, so it’s hard for me to lend my help. I can only give sort of online brainwashing. So, let’s brainwash our young ones to take up their education seriously, so that we would have more future Bidayuh professionals who can survive in this cruel world led by the “undisputed hegemony” in Malaysia. And not just a few of us – the lucky ones – who have made it “to the top” – the hard way! I’m sure that there are other fellow Bidayuhs out there who are willing to contribute their ideas on this and that, so I do encourage them to create their own blogs lah.

As a concluding remark, we must remember that we shouldn’t act like Judas Iscariot who sold his Master (including Judas’ own soul) for only 30 pieces of silver. Do you get what I mean? No? Well, the message is simple. Whoever has the power in the authority, please do not behave like a traitor who betrayed the trust of his/her fellow country men and women, especially whenever you are tempted with sort of “Ringgit and Sense” gifts. God is watching over us. His wrath – especially the hell fire – is more painful than burn on the skin caused by minyak goreng panas (hot & brewing, cooking oil).

Finally, remember to “give Non BN Big Guys another chance by voting them to power during this 12th. General Election and send those goons home to where they once belong!!!”

See ya around!

———————————————

Just to inform my readers that I have got the idea to compose this article (on March 5, 2008), as I feel that the Bidayuhs have their sole rights and should fight and protect their identity, dignity, and culture; demand for MORE equality, etc. PREJUDICE IS PAINFUL AND SINFUL – that’s what I have experienced before – the hard way! Anyway, most of the inputs used to compose this article were obtained from online discussion held at our public forum (including “teleinterviews”) and further refined to create the output that you are reading just now. My thanks and gratitude to all of you out there lah

March 5, 2008 Posted by | 02 Bidayuh Politics | 2 Comments

Time Factor

The only Bidayuh politician that blog is Dr. Patau Rubis. He has set a very good example for others to follow. Only by blogging then that people will know his views online. You do remember this slogan – “TV3 leads, others follow“, right?

Nowadays, relying on (press) secretaries by current Bidayuh politicians for making their views available can be considered as “outdated” and time consuming. Those politicians should know the ICT know-how, including composing their own views, etc.

Yes, blogging is now a new dawn for the next generation of self-reliable, Bidayuh politicians!

“With time, they will be there” – for sure!

———————————————
The original blog message entitled “Time Factor” was posted by Jackson Mangan on March 03, 2008 at 10:09:00, in reply to Re: To Blog or Not To Blog?” posted by swisserikin on March 03, 2008 at 08:24:36 at Ja Ata Britong (see Swisserikin’s blog message below).

Must blog. That is our only alternative to the masses, as we are out of bound to the press. So now we have to change their mind set to look for blogs for alternative “real” news from the rakyat. After the election, let’s form a loose Bidayuh Bloggers Club! Lets learn together how to make RM out of blogging. Perhaps you young guys can assist us rusty, yet enthusiastic brains. There a few good Bidayuh bloggers out there, unfortunately mostly based outside Kuching. Good Luck. Let’s deny BN 2/3 majority.

March 4, 2008 Posted by | 02 Bidayuh Politics | 2 Comments

To Blog or Not To Blog?

What’s the point of having advanced ICT facilities if we don’t use it appropriately?

I’m very impressed with the advancement of ICT technology in Malaysia. Year after year we would see progressive improvement. Two to three years ago, I came to know about the word “Blog”, but then I didn’t pay much attention to it – until recently! The “Blog” can be considered as an “electronic notice board/forum” for e-community (or bloggers/blogoticians) – where we can exchange any kind of relevant information on the spot. Most of the time, in order to get the happenings all over Malaysia and the world, I will move my mouse to the URL (Uniform Resource Locator), and then my fingers will quickly do the typing!

Nowadays, blog sites are alternative source of getting information that is free from “contamination”. Most of the bloggers are responsible individuals in transmitting/disseminating whatever information that they produced (just to name few blog sites such as Malaysia Today, Swisserikin, TBS Bidayuh, Goldart and Wong Ho Leng’s blog sites, and thanks to our e-friends in here for kindly let us know about it!).

From my observation, I found that the non BN guys are quite advanced and yet aggressive in terms of ICT awareness and usage compared to BN guys. This could be due to the “hardship” faced by people like Wong Ho Leng and the like in getting their voice to be heard in cyber space. The ruling government controls all sort of mass and electronic media, remember? I do remember at one time that Wong Ho Leng is active at Randau Ruai. And now, that Britong-like forum is long gone! I have tried my best to find it but to no avail. I wonder where the Ibans are doing their electronic political gathering right now…

And how about the Bidayuh politicians? Does anyone out there know where to get those Bidayuh politicians’ personal blog sites? I would appreciate it, as I would like to pay them e-visits. Or is it that the Bidayuh politicians are too busy with their personal businesses and have no time to create one? Or, should we wait to pay them e-visits at the very last minute whenever the next state election is just days to go, as in the case of www.warkahuntukpm.com.my, which was launched last Saturday?

Is blog not part of today’s effective communication methods in blogoticking/cyber politicking? And from such blog, one could assess the minds of those politicians from a distance. For sure, “rapid strike” in Sun Tzu’s Art of War is still relevant today…

Another point to ponder, uh?!

[I heard someone is sighing over there, lamenting “Ya oh… I should get a SAINS guy to help me set up my blog! Otherwise, I’ll lose this coming election. No winning means begging again…” (Sighing again…)]

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The original blog message with the same title was posted by Jackson Mangan on March 03, 2008 at 04:33:40: at Ja Ata Britong

March 3, 2008 Posted by | 02 Bidayuh Politics | Leave a comment

“The Sour Dayak Apple” in Bidayuh Politics?

The TIYUNG DAYAK, INC. Corporate Logo... 

Welcome Bloggers and Blogoticians,

Yes, that’s my blog name! So, what’s in a name, anyway?

And why did I choose “Tiyung Dayak“? The answer is simple. As I’m looking at the current, not-so-called “ill fated” Bidayuh politics, I hope that I could play my part for its “remedy” through sharing of my views (creative writings) online.

The Bidayuh knew that “Tiyung Dayak” (also known as The African Eggplant; Solanum macrocarpon) fruits are rich in Vitamin C, and that’s why I, as an avid medicinal plants enthusiast, would like to prescribe “the Tiyung Dayak juice” to treat “scurvy” that currently affects Bidayuh politics! In fact, the Pegaga (Centella asiatica) leaves are also good to improve one’s memory and to stay forever young, lah! Heh…

Oopsss! I’ll be back right after the “commercial”… so, see ya!

—— 13 minutes later ——

Yup, I’m back on screen. Where do I finish just now? (I’m talking to my “Press Secretary”, lah…) What?! Kari tiyung? Owh, OK lah

Well bloggers, I just want to create a more relax atmosphere inside here. I hope that you’ll enjoy your readings. Most of my writings (including other blogoticians’ writings), however, were “snatched without knowledge” from our public forum, to be archived in this blog for future reference.

To my fellow Blogoticians, do practice healthy e-blogotical lifestyle. Do not follow our former Minister of Health’s foolish act! Stay true to you e-spouses, lah! If you need more e-Tiyung Dayak Vita-C juice, gimme a call, NO PROBLEM! Ini Ah Long Mao tolong maahhh… Just add another 20% (do I hear 35%?!) as commission for my runner. Our e-company accepts online payment via MasterCard555 only. Owh, one more thing, in case of “emergency crackdown”, just shut down your blog and go hiding to mainland China for a month or two… Heh!

Happy reading and keep on blogging/blogoticking!

Jackson Mangan - The Ambassador, TIYUNG DAYAK, Inc.

Jackson Mangan
TIYUNG DAYAK, INC.

The Ambassador / Wholesaler / Exporter of e-Tiyung Dayak Vita-C pasteurized, bottled juice… (Owh, what a dream!).

e-Class “A” Contractor License also got, what!

March 4, 2008.

Note:
This e-message is computer generated and no signature is required.

March 3, 2008 Posted by | 01 Introduction | 2 Comments