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低薪族的迷惑

“理財師，請問大約2500令吉的薪水，該怎麼理財？”

理財師不加思索，脫口而出：“小姐，2500令吉，你還有財可理嗎？”

換言之，我好像應該感到慶幸，多虧家中兩老有“囤糧”，雖不是家財萬貫，至少不至於落入“理債”地步。

說到2500令吉薪水，餓是餓不死，但若談到進修、買產業……，一切可免談。

有人也許會說身在大馬，消費水平比較低，這樣的薪水幅度尚算合理。說實在，我也曾這麼想，但當我發現在英國上網每月低至10鎊、電話費不超過20鎊（週末還享有免費撥打）、到中餐館享用中餐只要10來鎊時，我開始對大馬所謂的“合理”薪資感到質疑，因為以英國平均薪資約2000英鎊來看，要應付上述費用絕對綽綽有餘。

當然，我不能這樣以偏概全，但只要對比鄰國新加坡，你也會發現，大馬交通費、用餐費都比別人高出一節。

“擁有多元種族是大馬優勢，這優勢有望促使大馬轉型為高收入國家。”首相拿督斯里納吉在上任不久後，即開始體恤到民眾對薪資原地踏步的無奈，所以發表言論以示“安慰”。

但問題是，邁入高收入國，是不是又要另外的10年？那時候，隔壁賣水果的阿嫂早已人老珠黃。

其實，與其終日放眼長遠目標，政府倒不如現在就採取實際行動，解決民生當前的消費問題，比如為何大馬人都在用貴網絡？（是不是政府保護主義惹的禍？）、民眾為何非得承擔高交通費？（因為公共交通無可救藥？大道變“大盜”？2令吉零5仙的油價？有沒有搞錯？大馬是石油出口國呢！）

2500令吉的月薪，在理財師眼中，顯然是低薪，我很期待進入高收入國的一天，然而，我更期待消費水平走低的一天。

理財師最後一句是：“有時候，個人能做的有限，或者想想，換工作會不會更好？”

文稿来自：星洲财经版

3000令吉以下的悲哀

23

生活水準越來越高，可是咱們薪水的調升幅度無論怎樣都跟不上百物騰漲的速度，有感生活壓力越來越大。

雖然說月入少於2000令吉才算是低薪族，也不屬於貧窮階級，不過住在大城市的市民，往往月入少過3000令吉者都承受頗大的生活負擔。

日前政府宣佈積極消除國內的赤貧率，預定明年達致此目標，並放眼最遲在2012年協助國人增加收入，特別是月入低於3000令吉者，因為這類“組別”佔全國人口的40%，而且大馬還有超過4萬名赤貧人士。

你相信在吉隆坡，還有社會新鮮人每個月領取少於1500令吉的薪水嗎？這可是千真萬確的例子！試想想，拿著那僅有的1500令吉在大城市生活，請問足夠嗎？扣除一些固定收入，包括吃飯、交通、租金等，幾乎已所剩無幾（且最近汽油價格也變相起價）！甚至還不夠用呢！

隨大專畢業生越來越多，加上市場上的工作機會不足以應付當下的需求，國內的底薪者會否因此而逐步提升呢？

為了增加收入，政府鼓勵中低收入者國人多參與工業、中小型或家庭式工商業等領域，又或者經營本身的小本生意，確保無限的就業機會，聽起來這不失為好的建議，有利於國家整體的國內生產總值。

如今兼職往往成為現代人的“指定動作”，網上買賣生意為特別多，面臨入不敷出的窘境，唯有靠本身的一雙手，想盡辦法創造更多財富。當然，在提昇收入的當兒，政府也必須適時抑制“萬物”飆漲，消除國人心中的隱憂，避免進一步加重老百姓的沉重負擔，否則難以抵擋生活費漲高持續衍生的問題。

文稿来自：星洲财经版

結婚經濟

最近身邊第一位好友結婚，從婚紗照、金飾、酒席、印製喜帖到紀念品，她都不假手於人。由於平日工作無暇，因此她充份利用假日時間，凡事親力親為，仔細貨比三家勢 必要找到“全城最低價”！

從她口中得知，婚紗照最低2000令吉起跳，假設酒席一桌400令吉，50桌即要價2萬令吉。再加上音響設備、金飾、新娘化妝、禮服租借等，這筆費用至少也要數萬以上。

正當一對新人無時無刻設法“縮減成本”，連帶身旁好友也為了他們的婚事而大費周章。

筆者及一群好友為了履行姊妹的義務，從統一出嫁日穿白色禮服到選購禮物都盡心盡力。

首先要做的是購買白色禮服，走入各大百貨公司，發現便宜的禮服布質超差，但卻又不願意花太多的錢購買只能穿一次的衣服，如何找到便宜質地又好的禮服是最大挑戰。

雖然俗話說“物輕情義重”，送便宜禮物擔心讓人覺得寒酸，太貴重又不是我們這些社會新鮮人所負擔得起。送甚麼禮物是第二個挑戰！

好了，購買白色禮服及禮物之後，由於好友在家鄉北馬擺酒席，有些人因年假所剩無幾，而被迫請無薪價赴宴。請了假後，還得購買機票或車票，無形中又花費數百令吉。

還沒完，還沒完！

喝喜酒當天，還得做“人情”，封個“大利事”！

以上種種令我們這群社會新鮮人的苦不堪言，在這高消費的年代，結婚動輒花費數萬令吉以上，除了新人，好友也在為服裝、禮服、利事等煩惱。

由此可見，結婚從頭到尾都不是一個人的事，一個人結婚但卻“拖累”了身旁好友。

話說回來，結婚當然是人生重大的事件，因此，婚前務必做好財務規劃，做好資料收集，以縮減最多成本為目標。

如想省略以上複雜步驟及花費，不妨旅行結婚吧！

文稿来自：星洲财经版

Soler---堪称狂野版动力火车

Soler is a rock band based from Macau formed by twin brothers Julio Acconci (vocals/keyboard) and Dino Acconci (vocals/guitar), Soler made their Hong Kong debut in early 2005. Unlike many current artists in Asia who are mostly fabricated "idols", Soler compose and write all their own music and are renowned for the quality of their live performances, and have been acclaimed by fans, fellow artists and critics alike.

原文来自>> Wiki

Soler 風的季節

Soler @ 細味 MV

笑話神經病

神經病笑話集 ----纯粹博君一笑无他

1

在一個神經病醫院，忽然有一天天空突然下起了大雨，所有的神經病都拿著臉盆，肥皂，毛巾，沖下樓洗澡，只有一個神經病沒下去，在陽臺上看著

醫生暗自竊喜，便上前問道" 你為什麼不下去和他們一起洗呢？ " ，神經病說："我等水熱了再洗 ~~~！"

2
神經病醫院裏面有位醫生想要知道各位病人病情康復得如何，就拿隻筆，在牆上畫了一扇門，對所有的病人說： " 你們誰能夠開啟這扇門，我就放誰出去 "

這時，所有的神經病蜂擁而上，只有一個神經病沒有上前開門，醫生暗自竊喜，心想自己的醫治終於有點成效啦，醫生就上前詢問道： " 你為什麼不上去開門呢？ "

神經病瞄了一眼醫生說道： "噓 ~~~~我有鑰匙 ~~！ "

3
一個神經病躺在床上唱歌，唱著唱著突然翻了個身，繼續唱歌，醫生很納悶，就問他說： " 你為什麼翻過來？？

"神經病回答："你傻啦？A面唱完要翻B面啦？？"

4
一架飛機飛過一個精神病醫院，突見駕駛員笑個不停。空中小姐很好奇的問： " 你為何笑得那?開心啊？"

只見他說："他們知道我逃出來，一定會氣瘋的．．哈哈哈

5
小明在精神病院實習。一日他陪的人手持菜刀無端端的追著他，小明嚇得轉身就逃，一直走到一條死胡同，他想：這次死定．．．．．

就在這個時候，那個病人突然開口說： "菜刀給你，換你追我！ "

6
男精神病患者：我有話要告訴你。
女精神病患者：什麼事兒呀？
男精神病患者：（小聲耳語）你一定要保守秘密，我是菩薩的兒子。
女精神病患者：ＭＤ！我什麼時候生過你這個兒子！

7
哥哥：醫生，我弟弟一直幻想著他是一隻母雞！怎麼辦啊？
醫生：我看看。嗯，他看起來很嚴重！為什麼現在才帶他來呢？
哥哥：我們家的人都在等他下蛋啊

8
在一個公園裏有一個長椅上坐著兩個人。其中一個在安靜的看報紙；另一個在空中不停的做釣魚動作。
一會就招來了很多人圍觀，這時跑來一個員警，對看報的人說： " 這是你的家屬嗎？"
看報紙的人說： "是，是"
員警說："如果他神經不正常，請馬上帶他回家好嗎？ "
看報紙的人連連道歉道： "好的，對不起，對不起！ "
然後急忙做划船的動作．．．．．．

10
有一個記者採訪一個精神病院的院長問： " 你們用什麼方法確定患者是否完全康復呢？ "

院長說：" 我們給他一個測試，我們在一個浴缸盛滿水，旁邊放一個湯勺和一個大碗
讓他們把缸裏的水舀出去。
記者不以為然說： "那當然是用大碗了！"
院長看了他一眼，慢慢的說： "正常的人是拔掉塞子的．．．．．．"

Oops... It's dirty jOkE.. hehe

12 Dirty Jokes

1) Newly wed girl told mom her husband is still a virgin.
Mom asked "How do you know?"
Girl replied "Last night when we made love, his cock was still in plastic cover."

(2) Bangladesh Worker: "Sir, me no come to work, me sick."
Boss: " When I am sick, I have sex with my wife - try it."
2 hours later Bangladesh Worker: "Boss! It worked! Me ok now. You got nice house."

oh my god.... the Bangladesh pounded his wife in his house on his bed........

(3) After sex, Thai girl kept fondling man's cock.
Man asked: "Why? Want to have sex again?"
Thai Girl replied: "No lah, just admiring your cock. I used to have one before."

@@........he fuck with him or/her or ....

(4) Women's lives are hard. Morning wash clothes. Noon hang clothes.
Evening keep clothes. Nite iron clothes.
Midnight take off clothes. After midnight find clothes.

Serious ?? What abt girl like to buy clothes ??

(5) To make it straight she pulls it. To make it stand she rubs it.
To make it stiff she licks it. To let it in she pushes it. True?
Threading a needle is not easy.

Yes ! It's true.... you got me.... hehehe

(6) Priest lost his chicken and asked during mass:
"Anyone got a cock?" All men rose.
"I meant anyone seen a cock?" All women rose.
"I mean anyone seen my cock?" All nuns rose.

hahaha........ Dirty priest

(7) A Sad story. A woman's husband died & she had him cremated.
She then blew his ashes into the ocean and said
"Sweetheart, this is my last blowjob for you."

Blowjob ?! is it hygience anyway ?

(8) Girl: "Mom what is a penis?"
Mom: "When you become a good girl you will get one."
Girl: "But mom what if I am not a good girl?"
Mom: "Then you will get many!"

It's true ! Nasty gals get many....

(9) A lawyer who was confused in his mathematics asked his secretary:
"If I give you $3 million less 17.5%, how much would you take off?"
Secretary: "Everything sir! Dress, Bra and Panties."

(10) Schoolgirl: "I do not want to take the sex Education class."
Teacher: "Why?"
Schoolgirl: "Someone told me that the final exam will be Oral."

Haha.......

(11) Two sperms talking on mobile.
Ist: "I'm somewhere between the fallopian tube and uterus. Are you close by?"
2nd: "No boy, I am taking a different route. I am just crossing the tonsils."

Zzzz....... Double deck going in

(12) Scientists have discovered that the lightest thing in the world is a PENIS.

This is because it can be lifted up even by a simple thought