MKR with Malaysia Prime Minister

Monday, May 16, 2016


1.         TIME MANAGEMENT: When you recognize that time is a unique and precious resource that you need in order to do your work, accomplish your goals, spend time with your loved ones, and enjoy everything that life has to offer.

2.         Perhaps you have a heavy workload and want to find ways to become more effective so you can get more done in less time.

3.         Maybe you feel overwhelmed or “stressed out” and want to find ways to do less and enjoy more. Or maybe you simply want to feel more focused and in control of your time, instead of feeling like you rush madly from one activity to the next until you fall into bed exhausted every night.

4.         Benjamin Franklin said, “Do you love life? Then do not squander time, for that's the stuff that life is made of.”

5.         Whatever your reasons, you came to the right place. Here you'll find tons of resources, ideas and suggestions to help you improve your time management skills, increase your productivity and make much better use of your time.

6.         Defining Time Management: Time management is a set of principles, practices, skills, tools, and systems working together to help you get more value out of your time with the aim of improving the quality of your life.

7.         The important point is that time management is not necessarily about getting lots of stuff done, because much more important than that is making sure that you are working on the right things, the things that truly need to be done.

8.         Smart time managers know that there is much more to do than anyone could possibly accomplish. So instead of trying to do it all, smart time managers are very picky about how they spend their time.

9.         They choose to focus and spend their time doing a few vital projects that will really make a difference, rather than spending all their time doing many trivial things that don't really matter all that much.

10.     If you become a good time manager, you’ll not only get a lot more done in less time, but you’ll feel more relaxed, focused and in control of your life.

11.     You’ll be able to use your time in a much more balanced and effective way and you’ll be able to make time for the people and activities that you love. When you get to the end of a busy day, you’ll feel a strong sense of accomplishment from everything that you actually got done.

12.     Improving your time management skills can even help you get better results by doing less work, because you're focusing on the things that really matter rather than all the low-priority busywork that just keeps you busy.

13.     If you don’t learn how to manage your time well, you’ll be far less productive than you could be and you’ll get a lot less done. You’ll also feel much more stressed and overwhelmed, and you’ll struggle to find time to spend with the people you care about and to do the things you enjoy.

14.     Learning Time Management: In the end, time management comes down to choices. Good choices lead to better results, while poor choices lead to wasted time and energy.

15.     The good news is that time management can be learned and mastered by anyone. All it takes is practice and dedication.

16.     Like any other skill, you can learn time management the easy way or you can learn it the hard way.

17.     The hard way usually involves years of trial and error and lots of false starts trying to figure out what works and what doesn't.

18.     If you'd like to save yourself some time, money and effort, I recommend you try the easy way: learn from someone who has already done it.

19.     Best Time Management Tips:

a)         Write things down:  A common time management mistake is to try to use your memory to keep track of too many details leading to information overload. Using a to-do list to write things down is a great way to take control of your projects and tasks and keep you organized.

b)         Prioritize your list: Prioritizing your to-do list helps you focus and spend more of your time on the things that really matter to you. Rate your tasks into categories using the ABCD prioritization system described in the time management course. Example: A: Top Urgent and Important. B: Not Urgent but Important. C: Top Urgent but Not Important, D: Not Urgent and Not Important.

c)         Plan your week:  Spend some time at the beginning of each week to plan your schedule. Taking the extra time to do this will help increase your productivity and balance your important long-term projects with your more urgent tasks. All you need is fifteen to thirty minutes each week for your planning session.

d)         Learn to say no: Many people become overloaded with too much work because they overcommit; they say yes when they really should be saying no. Learn to say no to low priority requests and you will free up time to spend on things that are more important.

e)        Think about what you are giving up to do your regular activities : It is a good idea to evaluate regularly how you are spending your time. In some cases, the best thing you can do is to stop doing an activity that is no longer serving you so you can spend the time doing something more valuable. Consider what you are giving up in order to maintain your current activities.

f)          Use a time management system : Using a time management system can help you keep track of everything that you need to do, organize and prioritize your work, and develop sound plans to complete it. An integrated system is like glue that holds all the best time management practices together.

g)        Beware of “filler” tasks: When you have a to-do list filled with important tasks, be careful not to get distracted by “filler” tasks. Things such as organizing your bookcase or filing papers can wait until you tackle the items that have the highest priority.

h)        Avoid “efficiency traps”: Being efficient doesn’t necessarily mean that you are being productive. Avoid taking on tasks that you can do with efficiency that don’t need to be done at all. Just because you are busy and getting things done doesn’t mean you are actually accomplishing anything significant.


Friday, May 6, 2016


1.     Senior managers spend a significant proportion of their time at work in meetings. Yet ask them how productively this time is being used and most will answer “not very!” Poorly run meetings waste hours of valuable business time and are, not surprisingly, the number one time waster identified by delegates on our time management workshop. The 5W1H approach will help to ensure anyone responsible for holding meetings makes them a productive use of every ones time.

2.     The first “W” stands for ‘Why’. It reminds us that before we schedule a face-to-face meeting we must clearly identify why it is necessary to get everyone in the same room. If you cannot clearly define why the meeting needs to be held, don’t hold it! Meetings are not always the most effective way to share information with others. Check you really do need to have people physically present before you schedule a meeting with them.

3.     The second “W” stands for ‘Who’. Having identified the why you should then only invite those people who can actually help you achieve this why to your meeting. This can be hard; as some people see attending meetings as a sign of their own importance (we call them the meeting “junkies”).

4.     The third “W” stands for ‘What’. Draft out the agenda so the “what” are clearly identified. A good agenda is keys to effective time management in meetings as people come well prepared to discuss the relevant issues. It can also be used as a road map to steer the meeting process and ensure time is used effectively.

5.     The fourth “W” stands for ‘When’. Does the meeting need to be in the morning or in the afternoon? How much time does it really need to take? It’s tempting to schedule meetings in half hour or hour slots… but if you only need 20 minutes, then just schedule 20 minutes. Short productive meetings are the name of the game.

6.     The fifth “W” stands for ‘Where’. Does the meeting need to be on-site or off-site? Make the location work for the participants, particularly if some of them have to travel to attend.

7.     Lastly there is the “H”. This stands for ‘How’. Does the meeting need to be formally chaired, with full minutes taken, or is it an informal discussion? Does special equipment need to be provided for presentations etc.? What about refreshments? Considering how the meeting will run will help to ensure time is used well.

8.     The 5W1H approach described above will help you improve your meetings. It is just one of many time management planning tools that can be used for planning other aspects of your work as well.

#Shared By: MKR#

Friday, April 15, 2016



1.    An offline transaction, also known as a signature debit transaction, is a payment method that uses a debit card to transfer funds from a checking account to a merchant across a digital credit card network.

1.    When you pay for goods or services with your debit card, you have the option to process your payment in one of two ways:

i)                   As an offline transaction via a credit card processing network, or

ii)                As an online transaction via an electronic funds transfer (EFT) system.

2.    Offline transactions are processed much like credit card transactions.
3.    They are sent over one of the major credit card networks -- Visa, MasterCard, Discover, etc -- depending on which credit card network your bank is associated with as a member bank.

4.    The cost of the transaction, called an "interchange fee," is typically 2-3% of the total purchase. The interchange fee is charged to the vendor/merchant, not the bank.


1.     USD 20.5 billion in interchange fees were charged to merchants in 2010. 

2.    Now they are at the centre of debate among lawmakers, banks and merchant unions in the U.S. On one side of the argument are the banks, which claim the interchange fees are necessary to cover the costs of processing transactions and providing fraud protection.

3.    On the other side are the merchants and vendors, who claim the rising interchange fees are increasingly cutting into their profits, forcing them to raise the prices of their goods and services!

4.    In July 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act were passed by Congress, and included in the Act was an amendment to address interchange fee reform (the Durbin Amendment).

5.    Under this amendment the Federal Reserve is now authorized to review and reform debit card transaction fees. 

6.    One such proposal will cap interchange fees at $0.12 per transaction, a 73% reduction from the average charge of $0.44 per transaction.

7.    As a consequence, consumers can expect a loss of financial perks like free checking accounts, the end of rewards programs for debit cards and an increase in fees for ATM withdrawals from out-of-network banks.

8.    If interchange fee reform is not passed, the cost of the fees will be borne by the consumer, as merchants continue to increase the prices on their goods and services to make up for profits lost to fees.


1.    Unlike online debit transactions, offline debit payments do not involve PINs.

2.    Offline debit cards (or check cards) are typically issued by credit card companies through their participating banks.

3.    The cards may be used everywhere credit cards are accepted, including over the Internet.

4.    In the physical world, customers who choose to make offline debit purchases must hand over their check cards.

5.    Merchants swipe the cards through their payment terminals and complete the debit sales the same way they process credit card transactions.

6.    The customers then sign sales drafts that authorize the merchants to charge their accounts.

7.    On the Web, customers enter check card information into browser-based forms, just as they would for credit card purchases.

8.    The data is encrypted, captured by transaction processors and sent to the credit card processing networks for authorization. Transactions normally settle in two to three business days.

9.    Because check card transactions are processed through the same networks as credit cards, they often incur the same discount rates and transaction fees.

10.   If your business is already equipped to process credit card transactions (for instance, you have a merchant account, a credit card processing service and either a terminal and printer or payment-processing software), you should also be able to process offline debit payments.

E)    DEFINITION of 'Offline Debit Card'

1.    A card that combines characteristics of both a traditional (online) debit card and a credit card, allowing the cardholder to pay for goods and services directly from his or her bank account.

2.    As with a traditional debit card, a transaction using the offline debit card creates a debit against the cardholder's bank account.

3.    But unlike with a traditional debit card, a Card PIN Number is NOT required during the transaction - all that is required is the user's signature. These cards are generally issued by credit card companies in association with the bank in which the account is held.

#Shared By MKR#

Friday, March 25, 2016


MKR has been entrusted by the Head of Division to help our “Engineering Feasibility Study Team” at the military camp.

This military camp was too old and worn out as it is built in the early 1960s.
Somehow, MKR has several times mistaken path all the way to the camp.
Seeing the dilapidated camps, the hairs stand on end without us really expected.
Really creepy,  Haris and Jasnizam in Engineering Expert group accompanied by MKR.
Starting with the dilapidated building, we continued with empty and abandoned old palace.
After that we were taken by military officers to command it a very old palace that is no longer used.
Camp officials and technicians together with MKR had decided that we do not want to visit into the spooky castle.
But instead of Haris and Jasnizam.
They lie in bed casually sign a palace maid.
They are ready to roll jump on the bed ' of the late king ' who had long died.
Indeed Palace is unoccupied again, but already in the notice to be torn down eventually.
MKR reminded Haris and Jasnizam, but they remain stubborn laughing laughter in the old palace.
Somehow MKR is very uncomfortable with the situation at the time.
Exactly at 5pm, the JKR technicians rushed to go home.
His final words to MKR just before he went home: "Be careful brother MKR, if later “SOMETHING WILL FOLLOW YOU”.
Oh my goodness!!!
At 7 pm we arrived at the accommodation.
We took a Bath & Pray at Hotel.
Next, we went out for dinner. We want to taste a local special recipe sour.
Oh my goodness, an OLD GRAVE is located besides the restaurant.

The first taste we are shocked, which we ate SUPER SPICY sour.
Even the next table, the sour is not very spicy. Questionable; it from the same pan, same Cook and Chef……
We went back to the hotel quickly.
We are starting a LONG NIGHT “journey” in our life.
MKR could not sleep due to both my legs are scratched and pulled by ghostly creatures.
Jasnizam and Haris also cannot sleep.
Suddenly, they have non-stop diarrhoea simultaneous
They also heard the sound of finger nails clawed their hotel room’s door.
On the way back to our town, MKR felt cyclicality far away in the forest.
Suddenly, I found that my car stopped in darkness jungle of rubber trees.
When asked local people outside there, the area is a creepy place where many bodies were found a murder victim before.
Until now, this real story is in the MKR memory.
Thank you.


A SURVEY by our local media in conjunction with World Toilet Day last year (Nov 19) revealed that the state of our public loos certainly leaves much to be desired.

It was found that most of our public toilets are generally unsatisfactory and need to improve on cleanliness, maintenance and facilities.
According to the survey, some toilets were well maintained and clean while many were below “satisfactory”. However, most were found to be in a deplorable state.
Public toilets at petrol stations were mainly dirty and smelly with the toilet bowls not flushed or clogged with tissue paper and even faeces.
Even toilets in shopping complexes, which people have to pay to use, are not clean and odourless. Toilets in coffee shops and restaurants are not clean either. Due to poor maintenance, locks on some of the toilet doors are not functioning and hooks/hangers inside the cubicles are missing.
In the course of my work, I travel all over Malaysia and I have seen the filthy state of some of the toilets in community halls I visited to participate in meetings or seminars. Maintenance of most public toilets along our highways, except those along the North-South Expressway, is generally poor.
Public toilets along the Karak Highway leading to Gambang, as I have seen, are not clean most of the time.

Many foreign visitors to Malaysia have nice things to say about our country, the food and tourist attractions but they are appalled at the condition of our public toilets.
On the one hand, there is the problem of poor maintenance. There is also the problem of users who have not learnt how to use public toilets properly.
Furthermore, public toilets are not only poorly maintained, they are also frequently vandalised.
Despite all the campaigns for clean toilets over the years, we do not seem to have achieved much.
We need to revolutionise our thinking on the usage and maintenance of toilets. We must dispel the idea that toilets are meant to be dirty and so we need not do anything about it.
On the contrary, we must accept the fact that we have to keep our toilets clean all the time although they are meant for “dirty business”.
It is high time for the public to be educated on how to use toilets in the proper way. In short, we need a toilet revolution to keep our toilets clean all the time! - LLT.
#Shared by: MKR#


Tuesday, March 15, 2016

True Story - A Wife 's Obedience

Story of “JARAH” (perhaps her name is ZAHARAH, but in the village called ' JAGHOH ').

This story is not suitable to be read by women of this age, especially if you are glamorous cash paid “USTAZAH” talks invitation.
But this is a true story that occurred probably around 1970.
This story told by Uncle Aaron (Not Aaron Aziz the Malay Movie Actor)himself to me, who witnessed the incident.
JARAH is a daughter to "Traditional Villagers Nurse" in Kg. Sungai Golok, Thailand.
No possessions, no educated. Her husband works in Singapore (This workers popular by name “MAT SPURA” during that time), return only occasionally.
JARAH is homeless; her child is only one, JARAH staying in her father in law house.
From the stories told, Cinderella herself wills did not want to live that way.
Starting from the morning, JARAH wash clothes in-laws, on the banks of “MADRASAH” well. Not finished washing, leave a heartbeat go up fish, cook and wash again. When a child cries, stay a moment go back breast-feeding and washing.
Finished washing, she cleaned the house and cooking for dinner.
Her meals are what remain of the family's food.
No lipstick, No hair shampoo and no perfumes. That's JARAH daily nature life.
When her husband returns occasionally, this stupid husband never gives her any single cents or money.
Her “barbarian” husband just gives all presents, gifts and money to his mother and family members. NOT TO HIS OWN WIFE, “JARAH”.
In fact, JARAH don’t have her own “KAIN KKANO” (prayer cloth), just waiting for the law can be borrowed for prayers.
Asks shouted verbal insult of family law has become his daily food.
But JARAH never denied. JARAH never answered.
Amortized, fixed daily work sincerely.
Uncle Aaron had suggested, "You’re going to be asking for “fasakh” JARAH, how can you stay like this ".
JARAH answered, "oh brother, I was his legitimate wife. If he divorced me; thank God, otherwise I do is make my work as usual, I will obey, because he is my husband.
One day, while JARAH washing the clothes as usual.
Sound -in-law brought the fish back on the market.
JARAH leave wash cloths, for up fish and cook.
Not ready to fish weeding, heard the sound of children crying. Instant fish was covered under the carpet. Suddenly, in-law went into the kitchen to enjoy a meal as usual. They opened pot, there was no rice. In the open -to-eat only fish that are still not ready weeding.
What's more, her in-laws start to curse and insult, while calling and looking for JARAH; they saw JARAH in the bedroom, with his nurse in the chest. JARAH woken - up, rocked ... not even want to get up.
JARAH had passed away. He estimates that the 30's.
Rumoured said, Imam of Masjid Golok at that time don’t want to perform as Imam to "Solat Jenazah" for JARAH, after he knew JARAH is not wealthy.
Just a piece of cloth covering "JARAH" body.
Then prayers were led by Pak Ali history (his name is enshrined in the Kelantan Ulama leaders after independence issued by MAIK - Majlis Agama Islam Kelantan).
Even her grave dug on the outskirts of the area.
About 5 months later, one of LEBAI in that village incidentally  doing a spritual event called “TAHLIL” near JARAH’s  grave.
Fragrant smell something pierced nose. "There is a scent?”.
He asked the congregation. "There is the grave! In searching, they found a grave, the soil is still red, palm fronds were pricked still green, even grass and weeds do not grow near his grave (many weeds around him, but stopped when approaching the grave).
He continued directing the assembly of flush water and soil to bury the other, thinking perhaps there is a flush of rose water, given the grave still looks new. "Who is this new die?" LEBAI asked. "There are no new people die here in this village”.
News quickly spread. Uncle Aaron immediately recognized, that is JARAH’s grave. It was never abandoned anyone fall flat. Several days passed, the tomb still fragrant, Imam immediately ordered that the grave be made fence, he said, "This is the grave of the righteous".
"Thatch grave markers disappear overnight, from leaves to stems taken, supposedly taken thanks.
Told, this JARAH is not known as many worshipers. What's more pounds had to borrow a prayer clothfrom in-law. But he was never heard to complain of fate itself.
Never condemn the cruel law itself. Never nag her husband 's real neglecting herself .
To all modern women, no matter how bad, is that bad, as high as any loosed your husband, but if you stick to it generously , God willing paradise awaits .

What is Tuberculosis or TB

What is Tuberculosis?

1.    Tuberculosis or TB is a contagious disease that can be fatal if not treated. It is caused by the bacteria Mycobacterium bacillus discovered by Doctor Robert Koch on March 24, 1882 in Germany.

2.    It is red, subtle and can only be seen using a microscope. Tuberculosis is a contagious disease that precedes the dreaded dengue and Malaysian society.

3.    On 24 March of each year was declared as "World TB Day ".

4.    The World Health Organization (WHO) report, generally one-third of the world's population is infected with the TB germ.

5.    An estimated 90 % of the TB bacteria usually attack the lungs, known as pulmonary tuberculosis.

6.    However, through the blood circulation, tuberculosis can also damage other parts of the human body such as the kidneys, skin, eyes, neck glands, bones and brain.

7.    TB can be infectious when active pulmonary TB cough, sneeze or talk and will produce thousands of germs of tuberculosis of the lungs or throat are scattered in the air in the form of fine droplets.

8.    And those who breathe the air containing TB germs will be at risk of contracting the virus.

9.   Those who have a close relationship such as family members and colleagues TB patients typically are most at risk for having the disease.

10.  Signs that someone is infected with TB:

A)   A cough with phlegm for more than two weeks or more.

B)    Sputum dengue fever.

C)     Sweating in the afternoon or evening.

D)   Experiencing chest pain, especially when coughing or sighed.

E)    Loss of appetite.

F)    Weight loss.

G)   Easily tired and shrink weak body.

11.    Among the measures of prevention of tuberculosis are:

A)   New born baby must be given an injection of BCG vaccination.

B)    Vaccinate second dose if there is no scarring and at the age of 12 years.

C)    BCG is given free of charge in all hospitals and government health clinics for those aged 20 years and under.

D)   If cough persists for more than two weeks, consult your doctor to test your sputum.

E)    Family members or anyone living under the same roof with TB patients in the long term should perform tests.

F)    Make sure your body is always strong and healthy so that it can resist the germs of tuberculosis at all times by adopting a healthy lifestyle and a good night's rest.

G)   Open doors and windows during the day to perfect air circulation to prevent the spread of tuberculosis germs.

H)   Let the sunshine into your home with the number as it tries to kill the TB germs floating in the air and hide in the corners of the house.
12. However, TB can be treated with treatment usually takes at least six months, even if patients feel well in the period.

13. In the first two months, daily treatment will be given.

14. Usually contains four types of oral medication, which was witnessed by a medical practitioner or any other person appointed as supervisor.

15. The next stage of treatment is done twice a week for four months and usually involves three drugs, also taken under supervision.

16.  If treatment is followed regularly, the patient can be cured.