I Told You So - Melayu Miskin Dulu, BN Sure Kalah 2018.

Here is some news :
 

Bankruptcy among Malaysians on the rise 

• Parliament told number of bankrupts continued to increase annually. 
• Car loans caused 23,570 bankrupt btwn 2007-14 Nancy Shukri told Parliament 
• This was followed by those who took housing loans,  Nancy revealed.
• “It is not just due to economic status, but also due to personal needs.”
• end of last year, 253,635 Malaysians had been declared bankrupt
• statistics showing that it is an increasing trend 
• In 2007, 13,238 were declared bankrupt
• in 2010 it surged to 18,119. 
• Last year figure ballooned to 21,987 
• an increased number of bankrupts approaching the Insolvency Department.
• government looking at ways to give bankrupts a second chance  

Well here is what the gomen is hiding from you. They are not giving the breakdown of the bankrupts. Take it from me folks - the majority are bumis and Malays. 

And what is the major cause of bankruptcy? Car loans. Then followed by housing loans.

Ok lets do some finger pointing. How many of these car loans and housing loans are "Islamic" financing? Please be honest. Orang Islam cannot be dishonest ok. So please tell the truth.

There is a general feeling that all sorts of Islamic financing are more costly and more onerous on the borrower than conventional financing. A friend who buys and runs ships for a living says he avoids Islamic finance because he says  'I am not stupid. Why should I pay more?'

Since Islamic financing costs more, it  impoverishes the borrowers even quicker. And which race forms the largest group of borrowers under Islamic financing in this country? Not the lost tribe of Israel. Its not the Druids either, nor the Macedonians. Melayu yang miskin dulu.

The same applies for No 2 cause of bankruptcies in the country - housing loans. What is the breakdown between bankruptcies under conventional banking and Islamic banking? The majority of bankrupts caused by housing loan defaults are again Malays. They also usually opt or are forced to opt for the more expensive Islamic financing. Melayu jadi miskin dulu.

And why am I not surprised that car loans are the number one cause of bankruptcies in the country. Cars are no more a luxury. We do not have decent public transport in all parts of the country.   Only three million people live inside Kuala Lumpur. 27 million live outside Kuala Lumpur, all the way to Perlis, Sabah and Sarawak. The LRT does not reach there.  So cars are an absolute necessity.

We must make cars as cheap as possible. Instead car prices in Malaysia are among the highest in the world. And our people buy tin cans for the same price paid for a Mercedes or a BMW in other countries. In Malaysia a 2 door Volkswagen Beetle costs RM140,000 (or US$43,000).  For this amount of money in the US, you can buy this car (starting at US$47,000). This is a super duper Lexus GS luxury sedan:

What I am trying to say is, our car prices must match the real prices of cars in the world market.  So that - if you could afford a VW Beetle before, you can buy a Lexus GS for the same price. If you can afford a MyVi before, you can buy a VW Beetle for the same price. If you can afford a basikal pancit before you can buy a Proton Saga now. Macam tu lah.

 

Jadi tanya sendiri - siapa bodoh dulu? Siapa miskin dulu?

So now it is official - Minister in the PM's department Nancy Shukri says car loans are the biggest cause of bankruptcies in the country. Because our car prices are among the highest in the world.  

Plus the Islamic financing is robbing the people of their money. It costs more than conventional financing.

And then a few years ago the dunggu who has caused more damage to this country than the Japanese and Communists combined 'advised' the dunggu gomen to 'generate economic growth through increased consumer spending'. What the ... And to make that happen, they made it easy for the banks to dish out credit cards.

I rememebr one day I was walking out through my parking garage in the morning and one young boy stuck a new cedit card in my hand. "Sir pre-approved credit line oredi for you sir. No need membership fees". 

That was how desperately they were trying to 'grow the economy through consumer spending'. But they forgot one tiny detail - the credit cards charged 18% interest a year. Before late charges.  

Even our 21 year old sales girls had credit cards. They all used their credit cards to the max. And defaulted. Now they have all left their jobs. Some of those banks are still calling us and asking, 'Nora masih kerja kat situ ke? Yati masih kerja kat situ lagi ke?' They have all defaulted on their credit cards.  "Growing the economy through consumer spending" crap. Growing the economy by giving credit  cards to boys and girls who are poorly educated, who are poorly motivated, who have poor work ethics and who do not know how to hold a job. 

And now Zeti is at last pulling the handbrakes on easy credit. Bank Negara is tightening up on easy loans. Civil Servants (the darlings of the  'Sila isi borang potongan gaji bulanan' financiers) have also had their credit wings clipped. Those seven year and 10 year easy loans are not as easy anymore for Civil Servants.

The net result is business is now slow. Very slow. Restaurants are reporting poor sales, supermarket sales are flat. Even our jewellery business is running on old customers.  Zeti has pulled the plug on easy credit. I fully support what Zeti has done. Better bite the bullet now. Undo some of the dunggu policies put in earlier.

But what to do - sekarang lagi laju jadi bankrap. Does anyone out there care at all about what I am saying here? 

Folks you are being made bankrupt because of dunggu policies made by dunggu Ministers and dunggu leaders. And here is the bad news - the dunggus are still in positions of power and influence.

In conclusion -  the situation is NOT getting better. It is going to get worse. The bankruptcies are going to rise. Nancy says you can go to the Jabatan Insolvency and get advise. About what? "Dont scratch your butt when the Islamic financiers are trying to liwat you?"

The gomen can relieve the pressure by freeing the prices of cars and other motor vehicles. That will make a real difference on peoples' lives. This gomen does not seem to realise that they are going to lose the next elections. Allowing the hudud for Pas and other such crap are just time wasting tactics to prolong an expired shelf life.

Ini bukan PAS

Last Friday,  a group of jihadis in Kuala Lumpur demonstrated in front of the US Embassy. They were protesting Obama's visit to Malaysia. Here is a You Tube video. These are not Pas ok. Watch the short video.

These boys and girls are from the Hizbut Tahrir Malaysia. Ideologically they are quite removed from the Pas. In terms of devotion and religious zeal the Pas is chicken feed compared to these folks. 

The Pas boys are motivated by the Tin Milo. These boys are not. Well not yet. They breathe very high octane numbers. Tahrir means 'freedom'. Hizbul means 'party'. They are the Party of Freedom. Very powerful words.

Their goal?  ".. all Muslim countries unifying as an Islamic state or caliphate ruled by Islamic law (sharia) and with a caliph head of state elected by Muslims.."

I told you - very high octane.  Note their flag :

Hizbut Tahrir Malaysia is an affiliate. There is a worldwide Hizbut Tahrir headquarters. They are a Sunni outfit and have about 1.0 million members worldwide.

I would love to engage these people in discussion. Unfortunately in other countries the Hizbut Tahrir is known to be violent. Dont know if their Malaysian brethren are the same.  That is always a bummer.

Just noted a couple of things from the video. Towards the end watch that little guy telling the big guy to stop talking. He even gently removes the microphone from the big guy. This is discipline. They obey orders.

Secondly note this from the video. I have snipped it :

It says 'tolak imperialisme, tolak kapitalisme, tolak demokrasi'. 

Wow !! Tolak demokrasi as well ?  So without demokrasi, there will only be the Caliphate - the khilafah. 


"..all Muslim countries unifying as an Islamic state or caliphate ruled by Islamic law (sharia) and with a caliph head of state elected by Muslims.."

This is not Pas. This is Hizbut Tahrir. 

Hooray Another Muslim Is Charged In Court For Reading Books !!

• Senior citizen admits keeping books that are against Islamic law
  
• A senior citizen pleaded guilty to possessing and keeping two books, which are deemed against Islamic law. 
• Kamarulzaman Karim was accused of having and keeping the books 
• The 61-year-old contract worker was charged under Section of the Criminal Offences Act related to religious publication deemed against Islamic Law.
• If convicted, he would face a fine of not more than RM3,000 or not more than two years' imprisonment or both under the Act. 
• Kamarulzaman, who was unrepresented, replied: "I am only a contract worker earning more than RM1,000 income a month and I request for a RM1,000 bail".

You know what this is right? In Nigeria it is called Boko Haram. In Malaysia it is called 'Buku haram'. You cannot read any book which the 'authorities' think you should not be reading. 

Here is something for your mental consumption. This is from a book. I will not tell you the name of this book. This book is read in Malaysia by 'scholars' (nauzubillah - May Allah protect us).  Among others it says the following :

1.  retaliation is obligatory against anyone who kills a human being purely intentionally and without right.” However, “not subject to retaliation” is “a father or mother (or their fathers or mothers) for killing their offspring, or offspring’s offspring.”  (In other words there is no punishment for killing your children or grandchildren).
 

2.  if a Muslim deliberately murders another Muslim he falls under the law of retaliation and must by law be put to death by the next of kin.  But if a non-Muslim who dies at the hand of a Muslim, the penalty of death is not valid. Instead the Muslim murderer must pay a fine and be punished with the lash….(If a Muslim kills a non Muslim there is no death penalty for the Muslim.)

3.  if a Muslim commits adultery his punishment is 100 lashes, the shaving of his head, and one year of banishment. But if the man is not a Muslim and commits adultery with a Muslim woman his penalty is execution…(If a Muslim commits adultery it is 100 lashes, if a non Muslim commits adultery with a Muslim woman, he must be killed.)

So what do you think folks? Do you think books that say these type of wild things should be   

a. banned or   

b. forced down the minds of the muslims?

This is what is found written in some of these religious books which have NOT been banned. 

Conclusion : Do you expect the same people who believe in such things to allow other people write books which question such beliefs? I dont think so.

Which is why in intelligent and modern societies, they do not ban books. Especially intellectual books. But this statement is only valid in modern and intellectual societies.

Six Million Years Ago - A Cool Poem By Joseph

SIX MILLION YEARS AGO

Six million years ago, we left our trees,

And for more million years, we were left to ourselves

Hunting, hunted in the survival game

No Gods protecting us, nor to adore.

                 

When we left Africa to roam the world

Around seventy thousand years ago.

We had no souls and no need to save them.

The Gods were still not there. We simply died!

Until the day we settled down, tilled the fields,

Raised farms, built granaries that soon produced

Selfish hoarders and greedy predators,

Setting the scene for serial genocides.

When we found out we did not want to die

Gods in deserts were getting seen by seers.

joseph