Savings - Penjimatan - Berhemah

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Peringatan untuk diri sendiri juga. Saya pun jenis banyak hutang kena bayar every month, kiranya gaji bulanan more than 50% yang dah komited  untuk bayar-bayar hutang: Kereta + Rumah + Credit card + Personal Loan.. Gaji Kerajaan ni xlah banyak tapi cukup2 makan, nak enjoy lebih2 tak boleh lah. Ni pun belum ada anak. Kos hidup makin tinggi, semua naik, premium insurans kereta pun nak naik. Semua naik kecuali GAJI! Pernah baca satu article berkaitan gaji minium di negara-negara luar. Nanti saya kongsikan gaji minimum beberapa negara melalui pelbagai pembacaan dan Mr. Wiki.

Isunya sekarang, Kerajaan pohon rakyat marhaen berjimat dan berhemah, belanja ikut kemampuan bla bla bla. Tapi tidakkah kerajaan sedar yang Kerajaan sendiri banyak membazir? KLIA 2? Penang 2nd bridge? LPT? Majlis2 rasmi kerajaan (pelancaran sana sini di Hotel Bertaraf 'Star')? etc? etc?

Bagaimana dengan isu kebajikan rakyat? BR1M dan seangkatannya (...1M) sudah cukup kah untuk bantu rakyat? Menaikkan pelbagai harga barang dengan rakus (maybe) menguntungkan sesetangah pihak. GST? Apa pula kebaikan nya nanti?

Bagaimana pula dengan kualiti pengangkutan awam? Singapore dah lama ada MRT, Japan dengan bullet train tapi malaysia baru nak buat MRT, tu pun Klang Valley je. Kenapa tak extend sampai Seremban ke Ipoh ke?

Bagaimana dengan kualiti pendidikan? Adakah dasar baru KPM akan benar2 berjaya? Kenapa tahap pemikiran dan inovasi budak-budak sekolah kat Malaysia jauh ketinggalan? Bandingkan sahaja dengan negara paling dekat ie Spore.

Bagaimana dengan penjagaan kesihatan? Servis hospital kerajaan masih jauh berbeza dengan private. Tapi saya masih menghargai dan menggunakan servis kerajaan, mungkin terpaksa? mungkin sebab private healthcare terlalu mahal berganda2. Macam mana pula kalau MAS menyertai TPP? Bayangkan harga ubat-ubatan yang akan melambung harganya. Cukuplah.

So kalau kami rakyat Malaysia tak puas hati kena keluar dari Malaysia ke? Nak suruh kami menabung (aka bank savings etc)? Pemimpin menabung kat mana pula?

Ok, i tak boleh lebih2, I kan pegawai kerajaan katanya, hak bersuara I tidak valid kot. Di mana demokrasi?

Takpelah, mari kita lihat minimum wage (gaji minimum) beberapa negara kat dunia ni sebulan. Mula2 kita bandingkan dalam Asean dulu:

1. Brunei - Tiada gaji minimum. Secara purata gaji RM10,000. Terdapat bayaran khusus kepada rakyat setiap bulan
2. S'pore - Tiada gaji minimum. Gaji cleaner: RM2,609
3. Philippine - RM440-RM1022 mengikut sektor
4. Thailand - RM908
5. MAS - RM900 (S'mnjung); RM800 (Borneo)
6. Indonesia- RM230-600 mengikut daerah
7. Vietnam - RM164-RM423
8. Cambodia- RM264 + elaun kesihatan RM15
9. Laos- RM206-257 dengan elaun makan

Country	Minimum wage
Afghanistan	5,000 Afghani/ month for government workers (RM300/mo)
Argentina	3,600 Argentine pesos per month (RM1500/mo)
Australia	For adults not covered by an award or agreement, A$622.20 per week (RM1800/minggu)
Bahrain	300 BHD for the public sector workers (RM2634/mo)
Bangladesh	1,500 taka per month for all economic sectors (RM64) In the garment industry the minimum wage is 5,300 taka per month. (RM226) The minimum wage is set nationally every five years by the National Minimum Wage Board.
Belgium	€1,501.82 (RM6700) per month for workers 21 years of age and over; €1,541.67per month for workers 21 and a half years of age €1,559.38 per month for workers 22 years of age, with 12 months of service; coupled with extensive social benefits.[27]
Bhutan	3,000 Bhutanese ngultrum per month (RM158)
Bosnia and Herzegovina	320 convertible marks per month (RM733) in Republika Srpska; 357 convertible marks per month (RM818) in theFederation of Bosnia and Herzegovina
Brazil	R$724.00 per month, paid 13 times a year (RM999)
Brunei	Average: 4,000 BND/month (RM10000)
Cambodia	US$75 per month, plus a $5 healthcare allowance, for the garment sector (RM264)
Cameroon	28,216 CFA francs per month (RM192)
Canada	The minimum wage in Canada is set by each province and territory; ranges from C$9.95 to C$11.00 per hour App. 1month: C$2,400-C$2640 (RM7000-8000/mo)
Central African Republic	Set in the public sector by decree and varies by sector and by kind of work; for example, app 8,500 CFA francs ($17) per month for agricultural workers; app 26,000 CFA francs ($51) per month for government workers (RM58-RM180/mo)
Chile	210,000 Chilean pesos per month (RM1245) for workers aged 18–65; 156,770 pesos (RM950) for workers younger than 18 and older than 65; and 135,463 pesos (RM802) for 'non remunerative' purposes.[51]
China	The minimum wage in China is set locally, ranges from 830 RMB per month to 1,400 RMB per month in Beijing (RM450-RM764)
Republic of the Congo	54,000 CFA francs (RM368) per month in the formal sector
Croatia	2,984.78 Croatian kuna per month (RM1730)
Cuba	225 Cuban pesos (RM744) per month; supplemented by the government with free education, subsidized medical care (daily pay is reduced by 40 percent after the third day of a hospital stay), housing, and some subsidized food
Denmark	None; instead, negotiated between unions and employer associations; the average minimum wage for all private and public sector collective bargaining agreements was 109 kroner ($19) per hour; Average: 26,160 kroner/mo for 8hrs/day  (RM15,700)
Egypt	For the public sector the minimum wage is LE 700 ($110) per month (RM333)
France	€1,445.38 per month (RM6474)
Hong Kong	HK$30 per hour is the minimum wage in Hong Kong, approximately HK$4,000/mo (RM1700)
India	Varied from 118 rupees ($2.18) per day in Bihar to 185 rupees ($3.40) per day in Haryana (with local cost of living allowance included); 3,540 -5,500 rupees/mo (RM188-RM292) State governments set a separate minimum wage for agricultural workers.The minimum wages are set according to Minimum Wages Act, 1948
Indonesia	The lowest minimum wage was in the province of West Java at rupiah 850,000 per month and the highest was in Jakarta at rupiah 2,200,000 per month (RM230-RM600)
Iran	The minimum wage was raised to 487,125 Iranian tomans (equal to 4,871,250 rials) effective on the 2013 Persian New year; set annually for each industrial sector and region (RM647)
Iraq	Less than 12,000 Iraqi dinars per day for a skilled worker and less than 5,250 dinars per day for an unskilled worker ; 157,500-360,000 dinars/mo (RM450-RM1025)
Ireland	€1,461.85 per month (RM6544)
Israel	4,300 Israeli new shekel (RM4025) per month
Japan	Ranges from 664 Japanese yen to 869 yen per hour; app. 159,300-208,560 yen/mo (RM5197-RM6800/mo)
Jordan	190 Jordanian dinars (RM890) per month
Kazakhstan	19,966 Kazakhstani tenge (RM424) per month.
Kenya	Set by the government by location, age and skill level; the lowest urban minimum wage was 11,995 shillings (RM461) per month, and the lowest agricultural minimum wage for unskilled employees was 4,854 shillings (RM186) per month, excluding housing allowance
South Korea	5,210 South Korean won per hour; reviewed annually; app.1,042,000 SK won/mo (RM3200/mo)
North Korea	Averaging 5,000 - 10,000 North Korean won per day; app. 125k-250k NK won/mo (RM459-RM919/mo)
Kuwait	60 Kuwaiti dinars per month (RM701)
Laos	626,000 Lao kip  per month; additionally, employers were required to pay an 8,500-kip meal allowance per day. (RM257) The minimum wage for civil servants and state enterprise employees was last increased to 500,000 kip per month (RM206)
Libya	450 Libyan dinars per month; the government heavily subsidizes rent and utilities (RM1184)
Lithuania	1000 Lithuanian litas ($371) per month (RM1297)
Malawi	MK 317 per day; app. MK7,925/mo (RM61)
Malaysia	RM 900 per month on the peninsula, and RM 800 per month for the states of Sabah, Sarawak, and Labuan
Mexico	67.29 Mexican pesos per day for Zone A and 63.77 pesos per day for Zone B
Mongolia	192,000 Mongolian tögrög per month (RM369)
Morocco	97 Moroccan dirhams  per day in the industrialized sector, 63.39 dirhams  per day for agricultural workers; app. 1,584-2,425/mo (RM632-968)
Myanmar	50,000 Myanmar kyat per month for salaried public employees (RM167)
Nepal	8,000 Nepalese rupees per month (RM264)
Netherlands	€ 1,485.60 per month for persons 23 and older (RM6652)
New Zealand	NZ$13.75 per hour for workers 18 years old or older, and NZ$11 per hour for those aged 16 or 17 or in training; app. NZ$2,640-3,300 (RM7199-RM8999)
Nigeria	18,000 naira per month (RM365)
Oman	225 Omani rials per month plus allowances of 100 rials per month for citizens (RM2794/mo)
Pakistan	10,000 Pakistani rupees per month (RM314/mo)
Paraguay	1,658,232 Paraguayan guaraníes per month (RM1176)
Philippines	205 pesos per day in nonplantation agricultural sector in the Ilocos Region to 466 pesos per day in the nonagricultural sector in the National Capital Region; app.6,150-13,980 pesos/mo (RM449-1022)
Portugal	€ 565.83 per month in 12 payments, €485 per month in 14 payments (RM2172-2531)
Russia	5,554 rubles per month (RM527/mo)
Samoa	WST$2.00 per hour for the private sector; WST$2.65 for the public sector; app. WST$480-636/mo (RM675-894/mo)
Saudi Arabia	3,000 Saudi riyals per month (RM2647/mo)
Senegal	209.10 CFA francs per hour for general workers and 182.95 CFA francs per hour for agricultural workers; app.  43,896-50,184 CFA francs (RM299-RM342)
Serbia	115 dinars per hour; app. 27,600dinars/mo (RM1066/mo)
Singapore	None. Cleaners: S$1,000/mo (RM2,609/mo)
South Africa	For farm workers the minimum wage is approximatelyR7.71 per hour; for domestic workers employed more than 27 hours per week it ranges from 4.85 rand to 7.06 rand ($0.78) per hour;app. 1,164-1,805 rand/mo (RM346-537)
Spain	€752.85 per month in 12 payments, €645.30 per month in 14 payments. (RM2889-RM3368/mo)
Sri Lanka	6,500 rupees per month (RM164/mo)
Sudan	425 Sudanese pounds per month (RM247/mo)
Switzerland	2,200 to 4,200 francs (RM8055-RM15379) per month for unskilled workers and 2,800 to 5,300 francs (RM10252-RM19407) per month for skilled employees
Syria	9,765  to 14,760 Syrian pounds per month, plus benefits, including compensation for meals, uniforms, and transportation (RM225-341/mo)
Taiwan	NT$19,047 per month (RM2084/mo)
Thailand	Ranges from 300 Thai baht per day and up; app.9,000Thai bath/mo (RM908/mo)
Timor-Leste	US$115 per month (RM380/mo)
Turkey	1071 Turkish lira per month (RM1584/mo)
Ukraine	7.30 Ukrainian hryven' per hour or 1218 Ukrainian hryven' per month (RM460/mo)
United Arab Emirates	Univ graduate:Dh12,000/mo (RM10815/mo) Technicians(dip): Dh7,000/mo (RM6309/mo) Pekerja mahir: Dh5,000/mo (RM4506/mo)
United Kingdom	£6.31 per hour (aged 21 and older), £5.03 per hour (aged 18–20) or £3.72 per hour (under 18 and finished compulsory education); app. 892-1,514pound/mo (RM4830-8199/mo)
United States	The federal minimum wage in the United States is US$7.25 per hour; app.1,740USD/mo (RM5759/mo)
Vietnam	Varies by region; Region I: VND 2.7 million ; Region II: VND 2.4 million ;Region III: VND 2.1 million and Region IV: VND 1.9 million; VND 1.05 million per month for civil servants and state employees (RM164-RM423/mo)
Zambia	Varies by sector; 522,400 Zambian kwacha per month for domestic workers, K1,132,400 per month for shopkeepers, and between K1,132,400 and K2,101,039 for general workers' in categories one to five which includes receptionists and clerks among others (wages are inclusive transportation, lunch, and housing allowances) (RM332-RM1338)
Zimbabwe	The minimum wage for all mine workers is currently pegged at $227 per month  (RM751/mo)

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Warning: Artikel ini lebih kepada pendapat peribadi, mungkin saya perlukan pembacaan lanjut dan hujah yang lebih tepat, tapi ini cuma dari segi asasnya, perkara2 yang diperkatakan pada ketika ini. Saya ANAK MALAYSIA dan saya bangga jadi ANAK MALAYSIA. Banyak lagi yang Kerajaan (dan saya) boleh lakukan untuk ke arah negara maju dan rakyat sejahtera.