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Showing posts with label strategi. Show all posts
Showing posts with label strategi. Show all posts

Anak eden kena buang kerja

Anak eden kena buang kerja, apo nak buet nih?

Ni dia nasihat dari Bhag Singh, den dapat dari sinih.

Kalau tak faham, tanyo pak chik googlelah yo.


diberhentikan-kerja

What to do next when you’re fired

 TERMINATION can be a traumatic experience for an employee. It is worse when he does not know what to do about it. And when family, friends and acquaintances give lots of advice, there may be more ambiguity and confusion.

Under the laws of our country, all employees are protected in terms of their employment. The services of an employee cannot be terminated unless there is just cause, or in simple words, good reasons when viewed objectively and not only from the employer’s point of view.

But what if there is a clause in the employment contract that allows termination by say, one month’s or two months’ notice?

The answer is, such a clause is not valid and operative, and the employer cannot rely on it to justify termination. It is as good as the clause not being there.

Next, what are the options for an employee who has been fired, especially if he thinks there is no just cause? What are his rights and what can he do?

For such an employee, it is best that he takes steps under the Industrial Relations Act 1967 to bring his grievances to the Industrial Court, where he can seek compensation. In the absence of just cause, the employee will receive appropriate and reasonable compensation.

However, a person cannot just walk into the Industrial Court and file a claim. It involves first going through a certain process under the Act.

There are many courts and departments all over the place. Where does one go? Sometimes, people end up going to the Labour Court, which is not the right place for these cases.

When an employee has his employment terminated on one month’s or two months’ notice and he is aggrieved by the action, his first step must be taken within 60 days of the letter of termination.

He should lodge a complaint with the Director General of Industrial Relations. The Industrial Relations Department comes under the Human Resources Ministry.

At the department, the employee needs to fill up forms and should take along with him the basic documents such as his appointment and termination letters.

Many today are more inclined to do things online but I strongly suggest going to the department personally if the dismissed employee is serious about his grievances.

When making his complaint, he needs to sign the relevant documents and keep a copy that has obtained an acknowledgement from the officer. It is crucial to observe the 60-day time limit.

What usually happens next is a filtering process, whereby the department writes to the complainant and the former employer, asking them to attend a meeting where a department officer will speak to both parties separately and together. The aim of this mediation is to resolve the disputes amicably.

However, as far as I know, this has been mostly unsuccessful because the expectations of the employer and the employee are different. As such, the matter comes to an end with nothing happening during the mediation session.

The officer reports the outcome to the director general, who then refers the matter to the Human Resources Minister, who in turn may send it to the Industrial Court.

It was reported in June that Human Resources Minister M. Kulasegaran wanted to do away with this filtering process. This is indeed very beneficial for the employees because once a complaint is made, the matter is likely to go straight to the Industrial Court.

This will speed up the process it sometimes takes a while for the Industrial Relations Department to arrange for mediation and to subsequently report on the outcome.

Why is it better to aim for the Industrial Court instead of the ordinary courts, such as the magistrate’s court or the Sessions Court?

An ordinary court will only consider the matter on the basis of pure contract under common law. If the letter of employment allows termination by one month’s notice, the court will say it is fine and the employee will get nothing.

However, the Industrial Court does not rely merely on common law. It relies on the industrial relations law (through the Industrial Relations Act), which seeks to provide better protection and remedy for the employees.

The Act even gives the Industrial Court the power to reinstate an employee in his previous job. However, the Industrial Court more often chooses to award compensation to the employee.

Another good thing about going to the Industrial Court is that if the employee loses the case, he will not have to pay costs to the other side, unlike in the ordinary courts.

Any comments or suggestions for points of discussion can be sent to mavico7@yahoo.com. The views expressed here are entirely the writer’s own.

Pencen - beli kereta cash - biasa sangat

Pencen - beli kereta cash - biasa sangat dah dengar ni...

Tuan sadiq : Saya baru pencen dan baru dapat keluar EPF ni, ingat nk keluarkan dan beli kereta secara tunai 45,000 untuk kegunaan keluarga.

Apiz : Kenapa nak beli secara tunai. Bazir je potential gain tunai tu. Harga kereta merosot setiap tahun. Setiap tahun kita bakar nilai cash beli kereta tu

Tuan Sadiq : Memang saya layak pinjam lagi cume saya xnak pening bayar instalment dengan interest bank lagi. Total pencen saya lebih kurang 260,000. Dalam masa terdekat saya nk setelkan apa yang patut + belanja dalam 100k, bayar kereta 45k dan baki 115k tu saya simpan.

Apiz : Camni la, kalau saya kata bole beli kereta secara pinjaman tapi xpayah bayar instalment , maksudnya free selama tempoh 5 tahun, baki bole simpan ade lagi 135k. Lepas 5 tahun habis bayar kereta tadi, saya tambah lagi 40k, Nak tak?

Tuan Sadiq : Awk ni biar betul? Mcm nujum pak belalang je?

Apiz : ???.........

Tuan Sadiq : Wow! Ni bukan nujum dah ni, macam dukun dah idea awak ni. Bhahaha!

Terima kasih banyak atas idea tu. Xdela saya bazir EPF saya ni. Kerja dala bagai nak gile sampai 55tahun.

Apiz : Biasala tu bile duit banyak, akal akan hilang respons sikit, yang hebat masa tu nafsu. Dah tu ape lagi tuan, mamak la jom, xkan free je?

Tuan Sadiq : Haha . Okok jom

Anda nak tau macam mana? Belanja like sikit, baru saya share

P/s : skim sontot je suka cerita pasal beli kereta cash.

 Jeng, jeng, jeng,  - BACA SAMPAI FAHAM TAU

Total cash yang ada : 260k
Consumption : 100k
Balance : 160k

1. Daripada baki tunai yang tinggal, asingkan 10k dan 15k terlebih dahulu.
Baki 160k-(15k+10k) = 135k.  Letakkan didalam Buku ASB Tuan Sadiq. Dengan hanya dividen serendah 7.2% sahaja setahun , Acc ini akan peroleh purata dividen setahun seminimum 9.6k. Bagi mengelakkan terusik cash ini, tukarkan cash tersebut dalam bentuk sijil di pejabat PNB supaya nilai tadi tidak kelihatan di ‘last balance’ dalam buku.

2. Beli kereta OTR 45k tadi dengan 0 downpayment dengan rate 3% fixed interest untuk tempoh 5 tahun dengan instalment 800 sebulan atas nama Tuan Sadiq (pinjaman maksimum kereta max umur 65 tahun) sementara beliau masih berkerja selepas umur pencen. Bayaran setahun untuk instalment tersebut ialah 9.6k. Gunakan cash 10k (yang telah diasingkan tadi) untuk bayaran instalment setahun yang pertama.

3. Tahun berikutnya, gunakan dividen tahunan dari acc ASB tersimpan 135k tadi untuk bayaran instalment kereta setiap tahun bernilai 9.6k tanpa perlu mengusik satu sen pun dari nilai pokok 135k tadi. Disini komitmen pada instalment kereta telah terhapus. Ulang sampai 5 tahun habis pinjaman kereta tersebut.

4. Baki cash yang diasingkan 15k awal tadi gunakan pula untuk bayar advance payment ASB 200k tempoh pinjaman 25 tahun dengan instalment lebih kurang 1200 sebulan dan @ 15k setahun. Mohon pinjaman ini atas nama anak yg berusia 18 tahun keatas. Kelulusan pinjaman boleh diperoleh walaupun anak tadi masih belajar. Aplikasi kaedah pengubahan pada pinjaman ini (dividen bayar instalment) sampai tempoh tahun ke-5.

5. Sampai tahun ke-5, kereta tadi habis bayar dan komitmen kereta mati setakat itu. Untuk pembiayaan ASB atas nama anak tadi, cancel pinjaman tersebut. Dengan average rate 5.2% principal bernilai dalam 22k akan dipulangkan, dividen terakhir 15k dan jumlah lebihan dividen setiap tahun selama 5 tahun dalam 2k. Total cash yang diperoleh dari ASB financing ini ada dalam 40k.

6. Total cash ditangan campur dengan 135k tadi sudah menjadi 175k.

Tanpa mengusik nilai pokok simpanan tadi, semasa umur 60 tuan Sadiq dapat:-
  • Kereta berharga 9.6k yang sebenarnya berharga 45k
  • Free instalment kereta selama 4 tahun
  • Imbuhan bonus untuk acc ASB anaknya untuk 5 tahun akan datang
  • Dan tambahan tunai 40k dalam membantu kemaslahatan hidup keluarga untuk tahun berikutnya.
Nak tak?

Hasil nukilan Hafiz Hazmi - terima kasih atas ilmu sebegini kerana #sayadahpencen la, duit mesti dikawal.


Pesan pada anak cucu simpan 15 hingga 20 peratus daripada gaji

 #sayadahpencen dan Atok mungkin dah terlewat tetapi masih ada masa untuk pesan pada anak cucu simpan 15 hingga 20 peratus daripada gaji.

Menurut laporan HSBC, 'Masa Depan Persaraan: Satu Perimbangan', 49 peratus daripada mereka berkata, pembayaran balik hutang menghalang mereka untuk membuat persediaan persaraan yang selesa.

Kemelesetan ekonomi dunia juga menjejaskan pelan persaraan mereka di mana 36 peratus telah berhenti atau mengurangkan simpanan melalui deposit tunai, anuiti atau pelaburan; 32 peratus kurang berkemampuan menyimpan untuk persaraan dan 28 peratus mendapati diri mereka akan terjebak dengan hutang.

"Saya harap generasi muda melihat ke depan mengenai persaraan dan hal-hal kesihatan dan tidak bergantung semata-mata kepada Kumpulan Wang Simpanan Pekerja kerana ia akan bertahan kira-kira lima tahun jika mereka mempunyai purata simpanan RM50,000,” katanya.

Sebagai permulaan, mereka yang berusia antara 20 dan 30 tahun perlu menyimpan kira-kira 15 hingga 20 peratus daripada gaji mereka setiap bulan dan meningkatkannya beransur-ansur apabila gaji bertambah.

Laporan berdasarkan hasil kajian dalam talian ke atas 1,000 orang dalam usia bekerja (25 dan ke atas) serta dalam persaraan oleh Ipsos Mori pada Ogos dan September 2014. #awakdahpencen? #sayadahpencen

saya-dah-pencen