Why have you changed 10 jobs in 14 years?

Some, rather most organizations reject his CV today because he has changed jobs frequently (10 in 14 years). My friend, the ‘job hopper’ (referred here as Mr. JH), does not mind it…. well he does not need to mind it at all. Having worked full-time with 10 employer companies in just 14 years gives Mr. JH the relaxing edge that most of the ‘company loyal’ employees are struggling for today. Today, Mr. JH too is laid off like some other 14-15 year experienced guys – the difference being the latter have just worked in 2-3 organizations in the same number of years. Here are the excerpts of an interview with Mr. JH :
Q : Why have you changed 10 jobs in 14 years?
A : To get financially sound and stable before getting laid off the second time.
Q : So you knew you would be laid off in the year 2009?
A : Well I was laid off first in the year 2002 due to the first global economic slowdown. I had not got a full-time job before January 2003 when the economy started looking up; so I had struggled for almost a year without job and with compromises.
Q : Which number of job was that?
A : That was my third job.
Q : So from Jan 2003 to Jan 2009, in 6 years, you have changed 8 jobs to make the count as 10 jobs in 14 years?
A : I had no other option. In my first 8 years of professional life, I had worked only for 2 organizations thinking that jobs are deserved after lot of hard work and one should stay with an employer company to justify the saying ‘employer loyalty’. But I was an idiot.
Q : Why do you say so?
A : My salary in the first 8 years went up only marginally. I could not save enough and also, I had thought that I had a ‘permanent’ job, so I need not worry about ‘what will I do if I lose my job’. I could never imagine losing a job because of economic slowdown and not because of my performance. That was January 2002.
Q : Can you brief on what happened between January 2003 and 2009.
A : Well, I had learnt my lessons of being ‘company loyal’ and not ‘money earning and saving loyal’. But then you can save enough only when you earn enough. So I shifted my loyalty towards money making and saving – I changed 8 jobs in 6 years assuring all my interviewers about my stability.
Q : So you lied to your interviewers; you had already planned to change the job for which you were being interviewed on a particular day?
A : Yes, you can change jobs only when the market is up and companies are hiring. You tell me – can I get a job now because of the slowdown? No. So one should change jobs for higher salaries only when the market is up because that is the only time when companies hire and can afford the expected salaries.
Q : What have you gained by doing such things?
A : That's the question I was waiting for. In Jan 2003, I had a fixed salary (without variables) of say Rs. X p.a. In January 2009, my salary was 8X. So assuming my salary was Rs.3 lakh p.a. in Jan 2003, my last drawn salary in Jan 2009 was Rs.24 lakh p.a. (without variable). I never bothered about variable as I had no intention to stay for 1 year and go through the appraisal process to wait for the company to give me a hike.
Q : So you decided on your own hike?
A : Yes, in 2003, I could see the slowdown coming again in future like it had happened in 2001-02. Though I was not sure by when the next slowdown would come, I was pretty sure I wanted a ‘debt-free’ life before being laid off again. So I planned my hike targets on a yearly basis without waiting for the year to complete.
Q : So are you debt-free now?
A : Yes, I earned so much by virtue of job changes for money and spent so little that today I have a loan free 2 BR flat (1200 sq.. feet) plus a loan free big car without bothering about any EMIs. I am laid off too but I do not complain at all. If I have laid off companies for money, it is OK if a company lays me off because of lack of money.
Q : Who is complaining?
A : All those guys who are not getting a job to pay their EMIs off are complaining. They had made fun of me saying I am a job hopper and do not have any company loyalty. Now I ask them what they gained by their company loyalty; they too are laid off like me and pass comments to me – why will you bother about us, you are already debt-free. They were still in the bracket of 12-14 lakh p.a. when they were laid off.
Q : What is your advice to professionals?
A : Like Narayan Murthy had said – love your job and not your company because you never know when your company will stop loving you. In the same lines, love yourself and your family needs more than the company's needs. Companies can keep coming and going; family will always remain the same. Make money for yourself first and simultaneously make money for the company, not the other way around.
Q : What is your biggest pain point with companies?
A : When a company does well, its CEO will address the entire company saying, ‘well done guys, it is YOUR company, keep up the hard work, I am with you.” But when the slowdown happens and the company does not do so well, the same CEO will say, “It is MY company and to save the company, I have to take tough decisions including asking people to go.” So think about your financial stability first; when you get laid off, your kids will complain to you and not your boss.

宅男變為型男的書

前不久收到了讓一個丑陋不堪的宅男變為型男的書，現在我就將此書發出來，和各位強者分享。基本上我收到的資料，是這本「型男講座」的片段而已。這本經典的書籍（還有出第二冊「人氣男之道」），不論男女都務必要收來詳讀。這本書分析的實在太精闢了，我才看了節錄的幾段，就已經受到當頭棒喝啊！
廢話不多說，馬上來看重點！
男人每天很大部分的時間都是在上班，所以辦公室正是養成型男的溫床。我平常上班就是太隨性了，才與型男之路漸行漸遠。
平常有同事召喚我時，我都會起身走過去。
錯了！
真正的型男在轉身回應的同時，手上的打字絕不能停！回應的時候，還要挑眉露出非常欠打有型的表情！

移動到同事座位時，更要非常帥氣的連椅子一起滑過去！

我平時接電話時，都是直接把話筒拿起來聽。
太膚淺！型男絕不會這麼做！
型男在接電話之前，一定要把話筒拿起來，像調雞尾酒般在雙手間翻滾啊！

而平時上班打字的時候，我就像普通的上班族一樣。坐在桌子前面打字。
這是不對的！這樣子一輩子只能當凡人！
型男打字，一定要與眾不同！不論如何，一定要給人華麗的感覺！

在辦公室外，經常會遇到各種不同的人。但光是男人臉上的笑容這個基礎中的基礎，我就不及格了。我雖然看到人都會微笑，但那種笑容最多只是「萌」，和「型」實在差太多了。
真正的型男，一定要隨時隨地保持著偶像劇風格的笑容啊！

光有笑容還不夠，還要有儀態。空氣平時走路，都是大步邁進，非常沒有修養，難怪無法成為型男！
要當型男，一定要有令人注目的走路風格！

平時在街上見到水坑，我都是小心翼翼地踩過去，或是繞過去。
這種動作實在太娘了！
身為一個型男，絕不可能因為前方有水坑而畏懼，必會華麗地跨過！

型男吃飯時，也要有氣質，有型！
例如和朋友出去吃火鍋時，我都小心翼翼地用湯匙來撈易碎的豆腐等食品。
這是娘砲才有的行為！
一定要用筷子，快速地把豆腐從鍋裡抄起，這才是型男的美學啊！

在任何一個小節都要有型，例如吃西瓜時，要用牙齒雕出龍頭，這才是型男本色！

「型男講座」中更點出我平時在外工作時的不足之處，例如空氣夏天在外面採訪新聞時，面對滿頭大汗，都是隨便擦擦就算了。
但是型男可不能如此！
型男記者在滿頭大汗時，一定要先拉緊被汗水濕透的外衣，硬撐出結實的後背，吸引女性的眼球！

緊接著要擺出有型的Pose，把女性注意力全部拉過來！

最後一定要站在背光的位置，以好萊塢式的華麗擦汗方法，盡情地散發型男費洛蒙！

才看幾篇這本「型男講座」，我已經頓悟了。裡面講的金玉良言，一定要徹底吸收，才能成為人見人愛的型男。下次出國旅遊時，務必要把這些精華學以致用，一定能遇上一段異國豔遇啊！
在國外旅行時，與美女一同搭電梯的情形經常能遇到。當有美女想搭電梯時，我通常只是把電梯門按開，等著美女自己進來。
成何體統？這完全不是型男的紳士作風！
型男一定要站在電梯門外迎接美女，讓女性能感受到被服侍的快感！

如果是小羅莉等級的美少女，更可使用這種撐住電梯門的方式，強調自己的可靠性！

當我看到快關上的電梯門時，通常都是衝前猛按鈕，或是身手拍開電梯門。
這實在太粗野了！
怎麼可以耽誤其他人乘坐電梯的時間呢？型男當然要用型男的方式衝入電梯啊！

身為一個遠在他鄉的旅行者，還有一個容易遇上美女的場合，便是在乘坐大眾交通工具的時候。
身為一個型男，搭電車的時候也要特別有型！
連站在電車內抓環的手法，都是講究！

不過旅行的時候，畢竟有時差，經常會在搭車時睡覺。
既然是型男，睡覺時當然不能鬆懈。
要用漫畫式的睡法！

或是時尚雜誌的睡法！

只要能做到，車上的美女一定會含情脈脈地行注目禮啊！
最後在下車出閘時，也不可失去型男本色，不然將會前功盡棄。
在通過閘門的一瞬間，型男一定要騰空躍起，旋轉三圈飛出閘門，然後用力站定！

這些才是型男本色啊！
諸君！你們經常被女友或老婆辱罵是個宅男嗎？妳們覺得男友或老公太宅而感到羞恥嗎？那還在等什麼？快去購買這本「型男講座」，將自己或男伴徹底變成一名型男吧！

FROM PUBLIC BANK

Notice on Annual Service Fee on Inactive Savings and Current Account

We wish to advise that effective February 2010, a service fee of RM10-00 will be debited annually from all inactive Savings and Current Accounts i.e. accounts which do not have customer initiated transactions for 12 months or more until the account turns dormant (inactive for 7 years), and there after the remaining balances will be sent to the Registrar of Unclaimed Moneys. If your account is inactive, please visit any of our branches to reactivate your account.

FW: REPLY FROM EPF

FYI
Actually this has already been brought to our attention by the Star Editor. We have in fact sent our response to him which has been attached below for your reference.
If a member has more than one nominee and one of the nominees dies during the member’s lifetime, only the portion that was bequeathed to the deceased nominee will be invalid.
Should the member later dies without updating his nomination, the other nominees will receive their portion accordingly. Only the portion that was bequeathed to the deceased nominee will be subject to procedures under ‘EPF savings without nomination’ in which the first priority for the right to claim the member's savings goes to the appointed administrator of the deceased member’s estate.

Therefore it is not true that if you, as a member, have named more than one nominee, the entire nomination will be void if one of the nominee dies before you. It follows however that if you have named only one nominee and he or she dies before you, the nomination will be void unless a new beneficiary is nominated.
Please note that you don’t have to produce the death certificate of a deceased nominee to change your nomination. You can change/update your nomination anytime by simply completing a new KWSP 4 (AHL) Form. This will automatically revoke any earlier nomination made.
The information concerning approaching EPF counter within 3 days to avoid EPF savings being ‘surrendered to Amanah Raya’ if no nomination is made or if nominee dies at the same time as the member is not true.
Depending on the amount of savings in the member’s account, if there is no nomination the procedure will be as follows:  
If member’s EPF savings are less than RM25,000:

Ø  Initial sum of RM2,500 will be paid  to the next of kin.
Ø  The balance will be paid after a two-month period from the date of the member’s death.

If member’s EPF savings are more than RM25,000:

Ø  Initially a sum of RM2,500 will be paid  to the next of kin.
Ø  The second payment (not more than RM17,500) will be paid to the next of kin after two months from the date of the member’s death.
Ø  The balance of the savings will be paid upon submitting the Letter of Administration/Grant of Probate/Distribution Order/Faraid Certificate from the party that administers estates such as Amanah Raya Berhad or the Court or the Land Office, respectively. The process to obtain these documents is time-consuming and certain fees will also need to be paid. On the other hand, with nomination, no fees need to be paid.

This is precisely why nominating is very important. You should also ensure that you update your beneficiary whenever there is any major life changes such as marriage, additional new members or the death of a nominated beneficiary.

The explanation above should help you respond to members’ queries on this issue. Please also help us forward this  explanation to those who forwarded the email.
Thank you.
Nik Affendi Jaafar
General Manager
Public Relations, EPF

FW: What to Take to Bed With You

What to take to bed with you - not a joke . Pretty neat idea. Never thought of it before.  Put your car keys beside your  bed at night Tell your spouse, your children, your neighbors, your parents, your Dr's office, the check-out girl at the market, everyone you run across.  Put your car keys beside your bed at night. If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car.  The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies.  This tip came from a neighborhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this:  It's a security alarm system that you probably already have and requires no installation. Test it. It will go off from most everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key fob chain. It works if you park in your driveway or garage.  If your car alarm goes off when someone is trying to break into your house, odds are the burglar/rapist won't stick around.   After a few seconds all the neighbors will be looking out their windows to see who is out there and sure enough the criminal won't want that. And remember to carry your keys while walking to your car in a parking lot. The alarm can work the same way there. This is   something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime.   P.S. I am sending this to everyone I know because I think it is fantastic. Would also be useful for any emergency, such as a heart attack, where you can't reach a phone. My Mom has suggested to my Dad that he carry his car keys with him in case he falls outside and she doesn't hear him.. He can activate the car alarm and then she'll know there's a problem.    Please pass this on even IF you've read it before. It's a reminder.

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Motorola walk in Jan 2009

Joke of the day :D