Justunittrust | Gaji Minima RM4.33
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Gaji Minima RM4.33

Gaji Minima RM4.33

“Labour Day is an annual holiday to celebrate the economic and social achievements of workers. Labour Day has its origins in the labour unionmovement, specifically the eight-hour day movement, which advocated eight hours for work, eight hours for recreation, and eight hours for rest”– according to http://en.wikipedia.org/wiki/Labour_Day.

Yeah right ! 8 work + 8 recreation + 8 rest ? Mana ada !

These days most work beyond 10 hours a day, not to mention and hour or two travelling to and fro home-work-home. And yes, some do bring back homework !

What’s wrong with these peeps ? Inefficient to finish work in 8 hours or they do not delegate enough ? Even with organizer and fantastic gadgets to keep us organized, we still feel disorganised and seem to accumulate more. Loading on virtual junk information. Thanks to invisible storage. Some we don’t even remember we have.

Well anyway, let’s talk what happens when we don’t work ? Have we accumulated enough for our post retirement days ? You do know that mortality for man around 70 and women 72 in Malaysia ? I somehow feel its much longer than these.

How does one PACK to travel for 25 years (age 55 to 80) assuming almost zero guaranteed income ? Yes, we’d have to pack enough food, clothing, medication, books, money and maybe a good partner to bring along this journey. We’d want to be healthy to enjoy this journey. We’d want enough money, so that we’re not caught stranded. We’d want to enjoy that journey and be happy during these years.

What’s happiness in retirement years ? Am sure first on almost everyone’s list is – ENOUGH MONEY. Next maybe, good health and maybe followed by lots of love from family and friends. As for me personally, its health, love then money. (If you love someone, given permissible health condition, you’ll find that money, somehow). So, its health-love-money for me. What about you ?

So it can be concluded that,

HAPPY = subset of variables {health, wealth, love, time, passion……}

And I believe almost 99% of the world’s 7 billion population wants to be happy, in some ways or another. It’s the circumstances and ways-to-be happy which we choose differs from each other. Yes ?

Which brings me to sometimes feel sandwich-ed. Yes, the Gen X, Y and Z issues. Typically, a Gen X is sandwich-ed to care for their elders (usually parents – due to old ways of single bread-winner and less long-term ability for their retirement financial planning) and care for their children (usually 4 or less per family and rising cost of raising kids, average KL kids need RM1,000 per month).

Recap, who are these Gen X, Y and Z ?

Gen X – includes people born early 1960s through early 1980s.

Gen Y – the “Millenial generation”; reflects births from 1980s to 2000 and generally marked by higher use of communications, media, and digital technologies.

Gen Z – also known as “Generation M” (multitasking) or “Gen C” (Connected) or “Net Gen” (Internet) are mostly born from mid 1990s to 2010. Gen Z are typically children of Gen X.

Back to quest for prolonged HAPPINESS (go google Gross Happiness Index). Remember that…

HAPPY = subset of variables {health, wealth, love, time, passion……}

Yes, TIME is a subset of being happy. Let’s talk time as “Time is Money” and “Money is also Wealth”. But do note that Wealth is NOT Money only. My question is “How much Money do you earn ?”. How can we compute Money earned – Net Worth (asset versus liability) or Cashflow (cash inflow versus cash outflow). These are the best ways to analyse how much we have and whether money earned (Cashflow) is channelled to increase Networth (Assets more than Liability).

A simpler way is – How much are you paid hourly ?

The Malaysian Government just declared a minimum wage of RM900 per month or RM4.33 per hour. Yaba da ba doo for the 3 million lower income earners (there are negative impact but we are not discussing this today). And in the near future a monthly wage of RM3,000 is considered “Miskin”. So we are moving our Malaysia into a developed country status. These economies will see movement from commodity and manufacturing based industries to services, technology and more brain power resources. A good example is South Korea – merdeka same-same as Malaysia but has evolved into one of those Asia little tigers associated with fastest internet speed. Synonymus with brands such as Samsung, Kia, …………

So, how much is your hourly gaji ? Jom kira…

A Clerk earning RM900 (Starting pay) will earn minimum RM4.33 per hour. I don’t know what’s the “pembawah” but it should be RM900/RM4.33 = 207.69. Let’s assume it’s 207.69 lah !

So, checkout table below.

 

position monthly gaji “pembawah” hourly wage
clerk RM900 207.69 RM4.33
executive (graduate) RM2,000 207.69 RM9.63
manager RM8,000 207.69 RM38.52
general manager RM20,000 207.69 RM96.30
ceo RM30,000 (min) 207.69 RM144.45

So, where are you ?

Honestly the range or the pay scale – you decide. What I do know if you stay the course and be true to your business and put in 70% effort (berbanding kerja makan gaji dan kena report kat boss) the gaji moves VERY FAST and you should reach a CEO’s pay in 5 years (average). So if you are not there yet, buck up and keep on track. Do not derail too long or too far off. If you are those makan gaj ones, and keen on this business, call me at 017-3104 171. Yes you can be a CEO in 5 years or less, not 20 years or more !

So, Unit Trust Consultant kat mana ?

Honestly the range or the pay scale – you decide. What I do know if you stay the course and be true to your business and put in 70% effort (berbanding kerja makan gaji dan kena report kat boss) the gaji moves VERY FAST and you should reach a CEO’s pay in 5 years (average). So if you are not there yet, buck up and keep on track. Do not derail too long or too far off. If you are those makan gaj ones, and keen on this business, call me at 017-3104 171. Yes you can be a CEO in 5 years or less, not 20 years or more !

Why 70% ? Sebab less time to ampu boss, less time for office gossips, less time for time-wasters-activities and purposely taking MC… ye tak ?

So kepada yang bekerja “Selamat Hari Pekerja” Semoga anda mendapat pendapatan yang berkat, yang berbaloi dengan kemahiran, kelayakkan dan komitmen anda…

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