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Showing posts with label 2014. Show all posts
Showing posts with label 2014. Show all posts

19 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Pig

Pig

Born in: 1923 1935 1947 1959 1971 1983 1995 2007

Personality

A pig is not as smart as a dog in understanding human thought. It likes sleeping and eating and becomes fat. Thus it usually features laziness and clumsiness. On the positive side, it behaves itself, has no calculation to harm others, and can bring affluence to people. Consequently, pigs were once regarded as wealth.

People born in the Year of the Pig are honest and frank. They have a calm appearance and strong heart, but they lack patience and independence. As they do not like to talk in a roundabout way, they are thought to be unsociable. Luckily, they are tolerant and optimistic, so not until they become your friends can their virtue, advantages and fidelity to friendship been found.

The Pigs likes: Praise, Health, Diets, Teams, Bath, Comfort, Home, Children and Pets.

Compatible Animals: Tiger, Goat, Rabbit

Overall Forecast

There are many unlucky stars reinforcing each other and supporting your luck level. Thus, even if there are invasion of unlucky stars, they will not be an issue. You will also be able to achieve stellar performance this year. However, you have to be mindful of possible misfortunes, gossip and unlucky aura, which will ruin you if you are complacent.

Though there are many unlucky stars around, they are suppressed by many lucky stars, which will cause your career luck to be smooth sailing. There are many projects that require detail planning before it can be on track for success. Even if you met with setbacks and obstacles, if you stay calm and positive, you will find ways to breakthrough, and also gain double reward. Those working class have to be diligent and proactive to get their task done on time, so that the superiors will recognise your effort for pay raise and career promotion in the future.

Health is alright. There may be some cold and stomach upset that you may need prompt treatment. you may also experience head related suffering. Stay calm and have a peaceful heart. Always exercise kindness and have genuine love, care and concern for your loved one and peers. There may be wedding bells ringing soon. Female Pig has to be cautious of the person that they fancy. Be more observant.

Career

It is not difficult to be successful in nowadays business world with innovative ideals. And no matter how, you will have to abide by the law to keep your good reputation intact.

Love

Quarrels and arguments may occur occasionally. Try to strike a balance in between family and work. Single can be expecting good news.

Wealth

With a stability of wealth luck, you have a great chance to increase your income, also have another chance of earning a 2nd income. The wild luck is very good especially for self-employed people.

Health

Although your health is alright, over work can affect your health greatly. Those who are suffering from stomach and digestion problems have to pay more attention on the diet.

Article sourced from www.geomancyhut.com.sg


18 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Dog

Dog

Born in: 1922 1934 1946 1958 1970 1982 1994 2006

Personality

Honest , faithful and possessing deep loyalty and responsibility. Can be magnanimous and prosperous, yet also guarded and defensive, never really relaxed despite outer calm. She has a glib tongue, practical and realistic. The Dog is also trustworthy and generous to people and has a deep sense of justice.

This maybe the most likable sign of all in the Chinese cycle. A person born in the year of the Dog is honest, intelligent and straightforward. He has a deep sense of loyalty and a passion for justice and fair play. A dog native is usually animated and attractive and will exude sex appeal. Generally amiable and unpretentious, he will know how to get along with others as he is not too demanding. The egalitarian dog likes to meet others halfway, is always willing to listen to reason and can be counted on to do his share.

For a friend, you must know that whenever you are in trouble, all you have to do is dial D-O-G. For no matter how much he or she complains, scolds, feign indifference, the Dog person cannot ignore a real call for help. At times, the dog protects the interests of others more avidly than his own. The Dog often sticks to his object of affection no matter how unworthy the person is. You don't find a dog leaving home just because he discovers that his master has the proverbial feet of clay. He makes allowances for such frailties and will probably stick it out thick or thin.

The Dog likes: Routine, Challenges, Friends, Presents, Travel, Food, Play and Nature
The Dog dislikes: Mistreatment, Fakes, Discomfort, Rudeness, Dishonesty, Hunger and Anger

Compatible Animals: Tiger, Rabbit, Horse

Overall Forecast

It is not really a good year for you. There are two evil stars causing big problems, and the lucky stars are not able to help much because there are many other evils stars aggravating the situation, be mindful of your thought, speech and action, such as being law-abiding, being frugal, and be down-to-earth in every endeavours.

There are many impediments at work, and there's a slow-down in business operations. be timely in your project implementation. There are, however. many opportunities to grow further in your career, so enrich your skills and seize opportunity to prove yourself. Those still in school can ride on a scholastic luck momentum, and thus will gain good academic grades. Have wisdom when selecting who to be your friends or peers.

Your health is well this year. Take care of your diet. Avoid bringing problems to yourself due to your gluttony habits. Take good care if health and safety measures of kid at home. Love luck is flat. do more to improve relationship with colleagues, peers, loved one by being flexible, receptive in others' opinions, and being considerate to others' needs. Have forbearance and show more care and genuine concern for your loved ones.

Career

Though the career luck doesn't look bright but your hard works should be paying off. You will be more successful if possess interpersonal skill and adaption to changes, these will definitely an added advantage.

Love

Your attraction to opposite sex will be strong; it is time for single to discuss the future of family. Married one could has extra-marital affair, try to avoid it.

Wealth

The wealth is all go well as long as you can have a healthy balance sheet. Earned your money with a good name, never go against the trend, it may affect your reputation.

Health

Your health condition is on track. Just need to pay more attention to the body signal of numbness


Article sourced from www.geomancyhut.com.sg

17 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Rooster

Rooster

Born in: 1933 1945 1957 1969 1981 1993 2005

Personality

Dramatic but a reputable person who works systematically Hardworking, resourceful, talented and confident. Vivacious and popular socially, but may have a tendency to brag insensitively. Outspoken and loves to attract attention. Always take good care of their family and can handle money well.

The Rooster, or Chicken as he is called, is the Don Quixote of the Chinese cycle. The dauntless hero who must look to the earth to survive, he is the most misunderstood and eccentric of all the signs. outwardly, he is the epitome of self-assurance and aggression, but at heart he could be conservative and old-fashioned.

The Rooster-born, especially the men, will be attractive, even dashingly handsome. The princely fowl is radiant and proud of his fine feathers and has an impressive carriage. You don't find any roosters slouching; they strut about with dignity. Even the shyest member of the Rooster family will cut a neat, trim figure and maintain a special bearing wherever he goes.

There are two distinct type of Roosters. The rapid-firing, extremely talkative ones and the deadly solemn observer types with the X-ray vision. both are equally hard to deal with. The Rooster has many outstanding qualities to crow about. He is sharp, neat, precise, organized, decisive, upright, alert, and most direct. He can also be critical to the point of brutality. Don't ever ask him his frank, candid opinion--you may never recover from his comments.

He loves to argue and debate, showing how knowledgeable and smart he is, some- times with little regard of the feelings of others. But when his feathers are ruffled in return, he is insufferable. He isn't cut out to be a diplomat. Situations regarding tact, delicacy and discretion will cramp his style.

His way is to go about trying to convert everyone to his way of thinking with a missionary zeal. He shines when he is the center of attraction.
Tremendously imposing as a personality, he could well pursue any career that exposes him to the public eye.

The Rooster likes: Hard works, Fresh Air, Neat but Casual, Challenges, Nature and Control.
The Rooster dislikes: Laziness, Weakness, Technology, Illness, Practical Jokes and politics.

Compatible Animals: Dragon, Snake, Ox

Overall Forecast

There are two lucky joyous stars, as well as many auspicious stars shining brightly onto your life. Though there are may be two unlucky stars, it will not cause much issue. You may receive offspring luck and fame/authority. Secure your valuable well. Show more genuine care and love to your partners so that third party do not have chance.

It is really a bright and auspicious year for you, with great career development. All projects and plans are underway. Be mindful not to over enjoy yourself and result in making mistakes, thus letting others overtake you. Stay in low profile even if you achieve very good results and thus gain the recognition from the superior; pay raise and promotion are around the corner. But being haughty will only attract unnecessary envy and jealousy that will result in sabotage. Those studying will have exceptionally lucid mind to absorb new knowledge and breeze through the exams.

You feel joyous and happy. Physical and mental health is great. But over indulgence in entertainment and night life as well as smoking, alcohol and meat, will crash you soon. Also, avoid sexual flings to avoid inviting troubles. Food poisoning may be a problem this year. Couples should be more loving and have forbearance.

Career

The opportunities for men and women are equally well, especially for females. You will achieve your target with scheduled plan. For male, do not be extravagant when you are successful.

Love

When cracks appeared obviously in the relationship, it is advisable not to save it. You will find someone better in some days. You have to leave your hometown to earn a living in a far place; to make you set your heart on tour for a loved one.

Wealth

The lucky star is shining over your head, the wealth will be flowing from everywhere, You will be successful an any undertakings.

Health

Your health is fantastic subjected that you are in the right diet and eat within your mean. Take extra care on your heart and stomach.

Article sourced from www.geomancyhut.com.sg

16 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Monkey

Monkey

Born in: 1932 1944 1956 1968 1980 1992 2004

Personality

Lively, witty, inventive and intelligent, a fast learner with good memory. Good at problem solving but can be too clever and become lazy, opportunistic and manipulative. They also know social skills well but can be selfish and egoistic. Also unbeatable in terms of talent and wealth.

Of all the animals in the lunar cycle, the Monkey bears the closest resemblance to the Naked Ape himself, Man. It is therefore no wonder that it should be he who will inherit most of man's intelligence as well as his capacity for deceit.

The Monkey is the sign of the inventor, the improvisor, and the motivator in the Chinese zodiac; a charlatan capable of drawing everyone to him with his intimate guile and charm. Being the quick-witted genius of the cycle, he is clever, flexible and innovative. The monkey can solve intricate problems with ease and will be a very fast learner. He can master anything under the sign and usually has the aptitude for being a good linguist. A person born in this year will be successful at whatever he chooses to do. No challenge will be too great for him.

The Monkey likes: Risks, Cooking, Travel, Jokes, Intrigue, Flamboyance and Sunshine.
The Monkey dislikes: Organisating, Illness, Convention, quietness, Responsibility and Failure.

Compatible Animals: Snake, Rat, Dragon

Overall Forecast

There are some terrible evil stars in your life chart, which are reinforced by many other unfavourable stars. Even though there may be a very good star that may solve problems, dangers are lurking everywhere. Watch each step you make carefully and be on heightened alert, and you may just turn danger to safety.

It's a big blow to your luck this year. The luck this year is rugged and work progress is impeded. Stay on the defensive line and avoid high expectations. Avoid making rash decisions for your career development, or else you will fail miserably. Wait for the right time to strike. Calm your heart and be poised to handle all types of situation level-headedly. Authority and power will only invite troubles to you, so be mindful of your speech and deeds. Do not go headstrong with your superiors. Take things easy and just let go.

Your health is not good, and is easily affected by mouth and digestive issues. So beware of what you eat, and be particular about food hygiene. Manage your work by prioritising or else fatigue will take its toll on you. Ensure home safety measures are in place. Love luck is stagnating. Your unstable emotions will negatively affect others so stay cheerful. Have forbearance and loving kindness for everyone.

Career

It will be a little problematic during the beginning of the year, and the luck will be turning good after mid-autumn. The element of success comprise not only your luck but also your interpersonal skill as well.

Love

You are having a happy problem when more than one choice. Married person has to take care of your current partner's emotional feelings. Married couples who are seeking new partner are like digging your own grave.

Wealth

Finally you have a little breakthrough in finance, try to keep your wealth for rainy days. You will be suffering in the end if money comes from hurting someone for the purpose of little profit.

Health

Though your health doesn't seem good this year, it should be alright if you can manage your temperament. Try to seek medication for your insomnia and breathing problem. Also take care of your stomach. Be careful when on road.


Article sourced from www.geomancyhut.com.sg


15 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Goat

Goat

Born in: 1931 1943 1955 1967 1979 1991 2003

Personality

Intelligent with a mind for business. She has artistic inclination who tend to be pessimistic. Good natured and generous but can be undisciplined and irresponsible. May have somewhat antisocial tendencies. The Sheep is also indecisive and too passive. Yet she has fantastic luck in her life.

This is the most feminine sign of the zodiac. A person of the Goat year is called the Good Samaritan of the cycle. He is righteous, sincere and easily taken in by sob stories. He is likely to be mild-mannered, even shy. At his best, he is artistic, fashionable and a creative worker. At his worst, he tends to be easily overcome by his emotions, pessimistic and withdrawn.

The Goat is known for his gentle and compassionate ways. He can forgive easily and be understanding about others faults. He dislikes strict schedules and cannot take too much discipline or criticism. Fond of children and animals, he is close to nature and a general homebody. The Goat is apt to mother or even smother the objects of his affections. He is possessed by varying moods and finds it impossible to work under pressure. He also finds it difficult to be objective.

The Goat likes: Pleasure, Culture, Harmony, Space, Literature, Quiet, Freedom and Wit
The Goat dislikes: Noise, War, Paperwork, Beggar, Politics, Bills and Inelegance.

Compatible Animals: Rabbit, Horse, Pig

Overall Forecast

There are many lucky stars gathering around to protect you, but there are also unlucky stars garnering their might, so it becomes a neutralising balance of luck. You have a star that might either bring you offspring luck or cause you tumble and fall if you engage in illicit sexual affair. Wealth star is dim, so nothing spectacular. Gossips and rumours sprout like weeds around your life, so stay low profile and be mindful of your thoughts, speech and action.

Your career luck is flat, so a lot of projects cannot follow through with great success. Setbacks are present but be steadfast and gradual in moving forward. Greed and inflexibility will only set you further back. Be sincere and nice to everyone so that you will gain the support that is required to boost your career progression. Students have to find the true motivation in life, or else they can be easily distracted and lose the chance to get good grades.

Your health is well, but stop drinking, smoking, as well as engaging in sexual flings. Eating too much meat will also ruin your health. Beware of food poisoning issue too. Calm your mind and heart before you make any decisions or when handling affairs of the heart. If you do not pay heed to faithfulness, then you will ruin your reputation, career, health and wealth.

Career

Stay away from gossip and grapevine in your workplace. Strive seek breakthrough, throw away your opinions, bias and dogmatic approach to matters.

Love

Either lady or gentleman, you will meet your perfect partner now, the love will have a fruitful end. Learn to behave oneself properly and your love will be sweet and sound.

Wealth

Wealth star is breached. Your mainstream income is stable. There are no windfall luck, so do not persistent. Be frugal and save often.

Health

Beware of your liver which is the resultant of excessive drinking. Try to relax yourself to lessen the pressure, losing temper is a known poison to your body.

Article sourced from www.geomancyhut.com.sg


Malaysian Property Market in 2014 & 2015

For the past year, those vested have painted a bullish and rosy picture of the property market. Everyone would deny that there is a bubble. Even as recent as last month, they were still denying that the market has tapered off. I guess it's true when they say it's not a bubble until they officially deny it.

So, there you go. 2014 & 2015 will be a slow year for property... at the ridiculous prices these days, I not surprised. Depending on the world economy, I think it will last a while longer.

To those who had a good run these past few years, congratulations. For those who are still dreaming of owning their own home, don't worry. You will find your dream home soon enough. You may take your time because prices will taper a bit. Do not rush into any big purchases because you will be committing for the long term. So, it's prudent to find a property you like at the price you are comfortable with. The economy is not doing great and business has been slow since last year. So it is prudent to ensure that you have strong financial standing when the time comes.

We've seen many Boom Bust cycles throughout history. It's the same every time. Usually those who speculate will be affected. Those who buy for their own stay, doesn't matter to them whether the price goes up or down really. Just make sure you can afford the installments (you should take this seriously or else you will lose your home and still end up with debt).

Developers will build according to demand. Any business will always try to sell at the highest price the buyers are willing to pay. Supply & demand.

Amidst rising prices and slowing economy, those in power forgot to give the most important advice: Try not to lose your job.




Malaysia's property market to take a breather this year and next


PETALING JAYA: The property market might need at least two years to digest and recover from the various cooling measures that came into effect this month, but expect it to surge again in 2016, say industry officials.

According to Malaysian Institute of Estate Agents president Siva Shanker, 2014 is expected to be a tough year for sales, but the market will find its footing next year and catch the next upcycle in 2016.

“The market ground to a standstill after Budget 2014. There was a knee-jerk reaction in sales.

“It will probably stay in the doldrums for the first half of 2014. The second half may be better,” Shanker, who is also CEO-Agency of property consultancy PPC International Sdn Bhd, told StarBiz by phone.

Shanker believes that speculation over the past few years in the primary market, resulting in “far more properties bought than needed”, had been put to a stop by the new curbs.

“The days of 20%-40% appreciation in property prices after only a few years is over, ” he said.

Even so, Shanker sees the secondary market, which he said had languished for years, regaining its lustre.

“A new launch in Bangsar could set you back RM1,500 per sq ft, compared to RM800-RM1,000 per sq ft for an existing property. The discount goes up to 50% in some prime areas,” he said.

An analyst with TA Research said that unlike previous years, many listed developers have held back on their 2014 sales targets – a departure from their usual forward guidance in December – until a clearer picture emerges from the effects of Budget 2014 and other tightening measures.

The exception is Mah Sing Group Bhd, which is aiming for a 20% increase in sales this year to RM3.6bil.

According to the analyst, policy uncertainty on several fronts – such as whether Iskandar Malaysia’s Medini is exempt from real property gains tax, or the pricing of bank loans using the net selling price of a property – remains an overhang on the market.

“The sector’s fundamentals are intact, but in terms of share prices, the catalysts are lacking,” she said.

Property players have noticed a marked slowdown in sales since the various curbs were put in place, although it is unclear by how much.

A number of high-end launches were also shelved, as developers switch their focus to the affordable segment of the market, where demand is more resilient.

Some of the projects launched post-Budget 2014 include block B of YTL Land & Development Bhd’s Fennel@Sentul East condominiums, which saw a take-up of 80% soon after it was opened for sale in mid-November, while tower A and B of Sunway Bhd’s Geo Residences were 85% sold within two weeks, HwangDBS Vickers Research noted.

In Iskandar Malaysia, however, the response to UEM Sunrise Bhd’s Almas Suites and WCT Holdings Bhd’s Medini Signature Tower 2 have been lukewarm, Maybank Research said in a report last week.

The brokerage’s only “buy” call is Glomac Bhd, even though the firm has cut its own sales target for the year ending April 30, 2014 by 18%.

CIMB Research is more upbeat. It expects buying interest to return in the first half of this year, albeit gradually, when potential homeowners realise that prices are unlikely to fall, and that inflationary pressure from the impending goods and services tax, along with other subsidy cuts, leads to higher prices.

“As these macro prudential and policy measures are meant to curb speculation and not restrain genuine demand, the impact (though negative in the short term) should be positive over the longer run because they should help to remove froth from some segments of the market.

“Also, affordability remains close to its highest ever. Robust sales by developers should provide impetus for a re-rating of property stocks,” the research house told clients earlier this month.

Hong Leong Investment Bank Research, which believes the market will stage a recovery in the second half of the year, advocates a buy-on-weakness strategy for shares amid trough valuations.

14 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Horse

Horse

Born in: 1930 1942 1954 1966 1978 1990 2002 2014

Personality

Cheerful, quick-witted and popular. With a happy outlook, independent, subjective and self-centered. She is also good at handling wealth.

A person born in this year is said to be cheerful, popular and quick- witted. He has raw sex appeal rather than straight good looks. Earthy and warmly appealing, he is very perceptive and talkative. His changeable nature may lead him to be hot-tempered, rash and headstrong at times. The unpredictable- able horse will fall in love easily and fall out of love just as easily.

In most cases the Horse will leave home early. If not, his independent spirit will goad him to start working or to take up some career at an early age. An adventurer at heart, still he is noted for his keen mind and ability to manage money. Self-reliant, vivacious, energetic, impetuous and even brash, the Horse is a showy dresser, partial to bright colors and striking designs to the point of being gaudy on occasion.

The horse loves exercise both physical and mental. You can spot him by his rapid but graceful body movements, his animated reflexes and fast way of speaking. He responds quickly and can make snap decisions. His mind works at remarkable speed and whatever he may lack in stability and perseverance, he will certainly make up for by being open-minded and flexible. Basically, he is a nonconformist.

The Horse likes: Riddles, Eat in Restaurants, Compliments, Conversation, Challenges and Kindness.
The Horse dislikes: Violence, Cold, Cheating, Noise, Bad Food and Lateness.

Compatible Animals: Tiger, Goat, Dog

Overall Forecast

This is the year when you meet the year of your birth. You clash with Tai Sui this year. Evil stars gather together to invade you. Lucky stars are weak. Anything good that happen will be restrained. In general, your luck will not be good, to stay in low profile and be firm in your heart to brace for anything that come. Be mindful of your deeds so that you will not be accidentally hurt yourself.

As there are many setbacks along the way, you would have to develop your business activities with thorough planning. Being headstrong and rushing through will only fail you; wait for the second half of the year for change of tide to your favour. Be sincere and nice to everyone so that you have lesser enmity. Being proud and showoff will only ostracize yourself.

Though your health maybe alright, you can also be hit by sudden accident or injuries. Hence, do not speed and "drink and drive" on road. Be mindful when crossing the road. Students have to know of their goals in life, or else they will never be able to concentrate in their studies. Change your attitude in life and towards others and create more friends than foes. Your love luck is colourful and smooth-sailing. Cherish your loved ones and ignore any gossips or slanders that are said about your loved ones.

Career

The road to success is not going to be easy, you got to treasure opportunity along the way. It is risky to involve in uncertain major project, think twice before any action.

Love

Little tolerance means lesser choice for your affair. Choose and settle down with one of your many choices of opposite gender this year.

Wealth

It is not up to your satisfactory, the income could have reduced. The fate is always there even you try to struggle to make more profit. Do not trip yourself on the oversized investment.

Health

Drink accordingly, and do not drink excessively to keep your health sound. The stomach and the system of respiration could have problems, beware of serious illness.

Article sourced from www.geomancyhut.com.sg

13 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Snake

Snake

Born in: 1929 1941 1953 1965 1977 1989 2001 2013

Personality

Philosophical, wise, calm and understanding, though often fickle or self-indulgent. Elegant to the point of being ostentatious. Can behave selfishly if crossed. A Snake lady is also charming in personality and elegant in dress. She is receptive and a deep thinker and likes to judge by intuition. She is fortunate in wealth through her life.

Philosopher, theologian, political wizard, wily financier - the Snake person is the deepest thinker and enigma of the Chinese cycle. He is endowed with an inborn wisdom of his very own; a mystic in his own right. Graceful and soft-spoken, he loves good books, food, music, the theater; he will gravitate toward all the finer things in life. The most beautiful women and powerful men tend to be born under this sign. So if you are one of the Snake people, you are in good company.

A person of this sign generally relies on his own judgment and does not communicate well with others. He can deeply religious or psychic, or on the other hand, totally hedonistic. Either way, he trusts his own vibrations rather than outside advice. More often than not...he will be right.

The Snake likes: Mystery, Books, Extravagance, Warmth, Organising, Pets and Good Food
The Snake dislike: Surprises, Cold, Lending Money, Crowds, Vulgarity, Noise and Discomfort.

Compatible Animals: Monkey, Ox, Rooster

Overall Forecast

There is a big change in your luck this year. Although there are many unfavourable stars gathering together, there are a few very favourable stars to dissolve the negative energy and surface positive energy. There may be minor illness here and there. Wealth luck is flat, but you may lose a sum of money, so beware. Romance luck is brewing strong. For those who are attached already, be faithful.

Because there are illness stars wrecking havoc, you must not overwork lest you get work fatigue. Maintaining a calm heart will ensure you will not get inflicted by severe illness. Since this year does not allow you to ride on a good wave for career development, it is advisable to adopt defensive measures. It is pertinent to improve your relationship with peers and colleagues, so that works and social life can be smooth sailing, or else you will be ostracized. Invest only small amount or else you losing will be big.

Because you may be effected badly by illness, you have to watch your diet and personal hygiene. Overwork will wreck your health. Seek medical treatment promptly rather than delaying until emergency treatment. Students have to stay fit and healthy to keep up good grades. It is a good time for you to go all out to find your destined one. Stay clear of illicit sex.

Career

Although you may face some changes under the stability, it is a good opportunity to innovate or explore new venture, just aware of bad changes. Base on the careful planning and the basis of reality, you may strike a fortune by your determination and hard work. there will be a chance of pay rise as well for working class people if the environment is harmonic enough.

Love

Your love luck is driving towards its peak, all negative element will be gone this year. Be faithful if you are attached. Do not focus too much on relationship and overlook on your career.

Wealth

Wealth luck is vague, so avoid speculative money and making activities or gambling. Be frugal. do more good deed.

Health

Most of the illnesses that strike you id due to the lack of a healthy lifestyle. Keep to a regular exercise programme which is good for your health condition.

Article sourced from www.geomancyhut.com.sg

12 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Dragon

Dragon

Born in: 1928 1940 1952 1964 1976 1988 2000 2012

Personality

Magical, shrewd, intuitive, artistic and very lucky are the in the Dragon. Alternately, he can be stubborn, irritable and impulsive. At times, can also be rather worldly and hard to get close to. Full of vitality, self assured, bright and master of success. Somewhat proud and quick-tempered, the Dragon personality is always attractive.

The mighty and magnificent Dragon of mythical folklore never ceases to enchant or stir the imagination. The Dragon person is magnanimous and full of vitality and strength. To him life is a blaze of colors and he is constantly on the go. Egotistical, eccentric, dogmatic, whimsical or terribly demanding and unreasonable, he is still never without a band of admirers. Proud, aristocratic and very direct, the Dragon-born establishes his ideals early in life and demands the same high standards and perfection from others that he has for himself.

The powerful Dragon is difficult to contest, at times even impossible. He tends to intimidate those who dare challenge him. An angry, spurned Dragon could be like the big bad wolf at your door. He'll huff and he'll puff until he blows your house down.

In spite of his volcano of emotions, the Dragon cannot be said to be sentimental, sensitive or very romantic. He takes love and adulation for granted: they are his just due. But while he maybe stubborn, irrational and overbearing when irked, the Dragon can forgive you the moment he gets over his outbursts. And since things are supposed to work both ways, he expects your forgiveness for his errors, too.

The Dragon likes: Festivals, Control, Wealth, Comfort, Concerts, Antique and Decadence.
The Dragon dislikes: Boredom, Cold, Dullness, Hunger, Hypocrisy and Quietness.

Compatible Animals: Rat, Monkey, Rooster

Overall Forecast

Evil stars gather collectively to wreck havoc. Lucky stars are helpless. There will be vile people sowing discords during the year. Stay in low profile and be nice to everyone. Health luck is bad, and illness starts its invasion into your body. Take note of personal safety. Handle documents with extra care to avoid unnecessary litigation.

This year's luck is exceptionally bad, with many obstacles along your path. Adopt a defensive manoeuvre to get around it. Plan comprehensively in your business operations before moving forward. Vile people are causing lots of problems and enemies are encircling you as well. Just stay in a low profile and let the tide die down by itself. Do not rush on the decision making of any major business plans. Do your best to improve relations with your peers and don't go head-butt with your superiors. Students should really focus on their studies else grades will plummet.

Health status is terrible and illness causes its damage on your health. Food and personal hygiene are a concern as well as fatigue. Handle sharp objects with care and be vigilant when you are in the outdoor. Relationship luck with loved ones will be improved only if one embrace everything good and bad of the other person. Those who have someone in their mind should spur on.

Career

It is not a good year for you. Any business plans at the start of the year, should be conservative. Disputes are surrounding you, which will affect your work progress.

Love

Do not ask for troubles when you are holding a peaceful family life. The single is having good match while the married couple is leading to a honey life. Single has a great chance of meeting his/her Mr/Miss Right.

Wealth

Be honest with your wealth. Do not overspend this year. You may entangle with huge losses if investments are not wisely analysed. Do consider the capricious macro environment.

Health

Sickness stars surrounding you this year. Rest well and do not overwork. The elderly may suffer illness in the cold weather, be open minded and avoid getting angry to keep healthy.

Article sourced from www.geomancyhut.com.sg

11 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Rabbit

Rabbit

Born in: 1927 1939 1951 1963 1975 1987 1999 2011

Personality

Peace loving, impeccable manners in the pursuit of a good life, intelligent in business with creative mind but sometimes moody and indifferent.
A person born in the year of the Rabbit possesses one of the most fortunate of the twelve animal signs. The Rabbit, or Hare as he is referred to in Chinese mythology, is the emblem of longevity and is said to derive his essence from the Moon.

The rabbit symbolizes graciousness, good manners, sound counsel, kindness and sensitivity to beauty. His soft speech and graceful nimble ways embody all the desirable traits of a successful diplomat or seasoned politician.

Likewise, a person born under this sign will lead a tranquil life, enjoying peace, quiet and congenial environment. He is reserved and artistic and possesses good judgment. His thoroughness will also make him a good scholar. He will shine in the fields of law, politics and government.

The Rabbit likes: The arts, Comfort, Secrets, Riddles and Intrigue.
The Rabbit dislike: Decisions, Violence, Criticism, Untidiness and Dirtiness.

Compatible Animals: Goat, Dog, Pig

Overall Forecast

There are a basket of lucky stars gathering together with no obstacles. There are also be joyous news such as conception. Those in business are experiencing stellar performance and thus a good time to expand. Those working class are going through a good time as well with benefactors providing timely support. Mainstream income is strong while windfall luck fluctuates. Be mindful of your speech this year.

Even though one is perhaps affected by roll of words or gossips flying around, just be very cautious of your thoughts and speech. Just have forbearance and make matters small or none to get by. People who are employed are in for a good time if they make full use of the support from benefactors to develop further in one's career path. Pay raise and job promotion is probable; focus your energy sincerely at work to reap the justified rewards.

Your health luck is flat. Be forewarned of possible intestinal issues, so take note of hygiene. Take good care of the health of the elderly and young. Good affinity with others and vibrant activities with others will create love sparks for you, especially during the start of the year. Those married should stay clear of illicit affairs as it will cause to pay dearly in your career, family and health status.

Career

All in all the luck are good, especially for the female. The male is expecting unforeseen problems in the career, so straight forward and simplify in your undertaking.

Love

Love with integrity. Marriage couples have to be very careful when dealing with martial affairs. It can brings you joys and also damages. The damages can be so huge that may go beyond your imagination.

Wealth

The wealth is stable and progressing now, a right moment to lay your business plan. You are advised to be firmed when making decision on high-return business, not influence by the opinion of media. Use your fund wisely.

Health

Physical condition is in good terms for the first six months, thereafter, may have some problems in the later part of the year. Beware of old illness such as nose and skin problems. Please control your diet, eat more healthy food to avoid stomach and gut problems.

Article sourced from www.geomancyhut.com.sg

10 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Tiger

Tiger

Born in: 1926 1938 1950 1962 1974 1986 1998 2010

Personality

Courageous, active, and self-assured, a natural leader, passionate and independent. Possibly restless especially if born at night. Rebellious and dynamic. A warrior and center of attention. Quick tempered but considerate. Affectionate but careless. A roaring success awaits the Tiger.

In the East, the Tiger symbolizes power, passion and daring. A rebellious, colorful and unpredictable character, he commands awe and respect from all quarters. This fearless and fiery fighter is revered as the sign that wards off the three main disasters of a household: fire, thieves and ghosts.

The Tiger is a fortunate person to have around provided you are prepared for all the activity that comes along with his dynamic personality. The impulsiveness and vivacity of the Tiger person are contagious. His vigor and love of life are stimulating. He will arouse every sort of emotion in people except indifference. In short, the captivating tiger loves being the center of attention.

The Tiger likes: Changes, New experiences, Flattery, Surprises, Quality and Parties.
The Tiger dislikes: Boredom, Criticism, Ignorance, Responsibility, Laws and Slowness.

Compatible Animals: Pig, Horse, Dog

Overall Forecast

There are many evil stars and favourable stars are weak. Tread with caution. Beware of vile people seizing the chance to hammer you hard. Stay away from causes of gossips etc as it may lead to lawsuits. Your emotions must be under check; relax and cheer up. Beware of personal safety.

Whether you are doing business or at work, solidify your foundation. Striking without planning is suicidal. Be nice to those around you, or else they will become harmful to you. With such low luck, it is best to stay in low profile and adopt defensive measures. As unnecessary chatters are everywhere in the office, it is best to focus our time and ears at the right place, which is your works. Have patience and all matters will be resolved soon.

Your easily agitated temperament will cause your health to spiral down rapidly and become a cause for more illness. Stay cheerful and avoid getting into work fatigue. There may be injuries here and there if you are not careful. Drive safely on road within speed limits. Relationship with everyone, including your lover, is on the rock. If forbearance, sincerity, genuine care and concerns are present, only will relationship with colleagues, peers and loved ones be improved.

Career

Be vigilance in your career this year. Stay calm and ride along the wave. At times, the tide may has a sudden turn and cause all progress to be like pushing a cart up a steep hill.

Love

The course of true love never run smoothly on an obstacle path. This trend applies to both married couple as well. The proposed solution is to be empathy to each other and spend more time together. The relationship is fragile; you need to handle with care.

Wealth

The luck is plain and without surprise. Your personal income is getting better and may secure a small fortune in the second half of the year, especially on lottery, comparing to the overspending in the first half of the year.

Health

You will always feel tired this year. Do more exercise can improve the situation. preventive is better than a lot of cures. Avoid water activities is advised.

Article sourced from www.geomancyhut.com.sg

2014 Year of the Horse - Chinese Zodiac Forecast for Ox

Ox

Born in: 1925 1937 1949 1961 1973 1985 1997 2009

Personality

Intelligent and self-confident. Patient and methodical, helpful and hardworking. Although they might appear rigid and slow, a kind and active mind is beneath. A Natural born under works systematically, the Ox is responsible for family and believes in authority but is sometimes too stubborn and traditional.

The Ox or the Buffalo sign symbolizes prosperity through fortitude and hard work. A person born during this year will be dependable, calm and methodical. A patient and tireless worker, he sticks to routine and conventions. Although he is generally fair-minded and a good listener, it is difficult to make him change his views as he is stubborn and often has strong prejudices.

Still, because of his steady and trustworthy character, the Ox person will be entrusted with positions of authority and responsibility. He will not fall short where duty calls. As a matter of fact, he should be careful not to get carried away.

The Ox likes: Tradition, Appreciation, Organisation, Sobriety and Routine
The Ox dislike: Gimmicks, Parties, Gossip, Laziness and Being Teased

Compatible Animals: Rat, Snake, Rooster

Overall Forecast

This is a smooth sailing year for the Ox zodiac. Unfavourable stars may be numbered a lot but are on par with favourable stars. With a lucky star shining brightly, it will bring your career to greater heights. Benefactors render strong support. so if you can ride on the momentum with greater effort put in, you can receive both wealth and fame. A Heavy Loss star will cause one who is greed to win and turn winning to losing. Take precaution of your health this year.

Your endeavours and projects in the pipeline will proceed smoothly. At work, everything is like a sea of calmness, and there are chances for promotion and grasp of authority. Problems that sprout out will be resolved easily. Avoid being schemed by vile people. You will breakthrough easily in any work obstacles. Your mind is lucid and full of ideas such that you can conjure lots of brilliant proposals. Students are able to progress with great speed.

Although health is better than last year, minor illnesses are inevitable. Avoid work fatigue; be mindful of your diet and sleep. While being mindful of surrounding, take note of home safety measures. Your affinity with others is excellent. Love may blossom well. Couples are more tender loving and able to embrace the flaws and faults of one another. Money and friendship does not go along side by side.

Career

This is a good year that suits your ambition, hold the chance and be outstanding. Your wild luck is as good as it, you will gain some profit is you are not greedy.

Love

You are a sentimentalist, try to keep it balance with rational. The world of love is not always so smooth especially for female who long for entertainment outside the family. The love affair is well received but can be quite negative this year; you have to control it well as not to be out of bound.

Wealth

The direct wealth luck is moderate, so no huge investment to be involved. Control your finance with extra effort, stop finding new source of income, just to maintain or, better still, if you can cut down expenses. Be realistic about it.

Health

The immune system is weak, take care of your eyes and throat. Try not to be burn the candles at both ends. Take care of your health and safety when you are overseas.


Article sourced from www.geomancyhut.com.sg

09 January 2014

2014 Year of the Horse - Chinese Zodiac Forecast for Rat

Image from http://jodicchan.deviantart.com/art/Horse-Chinese-Painting-188074551


Chinese new year is just around the corner. The Chinese New Year begins on the 31 January 2014 to be exact. So, let have a bit of fun and see what the new year has in store for us. I'll be posting each animal sign in a series in the coming days...



 

Rat

Born in: 1924 1936 1948 1960 1972 1984 1996 2008

Personality

The Rat is charming and humourous, honest and meticulous. Although they can give good advice, they cannot necessarily decide for themselves. May be power hungry, petty or greedy, Bright, sociable and highly ambitious. A true opportunist to reach the target. Passionate and good to her lover. Yet likes to gamble and spend lavishly.

The charm of the Rat personality is as universally known and loved as the Walt Disney character, Mickey Mouse. He could be forthright and honest but in such a disarming manner that you find yourself at a disadvantage.

Remarkably easy to get along with, hard working and thrifty, he will be generous only to those he is inordinately fond of, so if you get an expensive gift from him, you should certainly rate yourself high in his esteem. However, in spite of his penny-pinching ways, he will never be found wanting for admirers as he emits such fantastic appeal.

The Rat likes: bargains, Negotiation, Winning, Trust and Gambling.
The Rat dislike: Boredom, Timetable, Poverty, Loneliness and Reprimands.

Compatible Animals: Dragon, Monkey, Ox


Overall Forecast

Evil stars are in the house, which is worsened by the direct clash with the Horse zodiac; setbacks are inevitable. Fortunately, there are still many lucky stars around to cushion the impact. Mull over each business decision rather than to risk by rushing through, that may lead to dire repercussions. Evil stars are biding their time to wreck havoc, so please do more good deeds.

Career

You may carry on with your unique character as long as you are responsible in your job. No one dare to criticize you on this. But you also have to be meticulous as no mistake committed.

Love

Empathy and communication are important in an admirable affair. the longer both of you getting together, the mutual understanding will lead to a harmonic life. Good matches are the Dragon, Monkey and Ox.

Wealth

This year is the year of great promising, the wealth star is shining on you, everything is so smooth either in investment or entrepreneurship but do not involve in partnership as others' luck may not be the same as you.

Health

Your health condition has improved after long time of suffering. Watching out of illness related with your liver, urinary and stomach. Hygiene is very important. Also beware of accidents on road.


Article sourced from www.geomancyhut.com.sg




05 January 2014

Tensions rise ahead of planned protests in Malaysian Bible dispute

Tensions rise ahead of planned protests in Malaysian Bible dispute

Catholic weekly ‘The Herald’ editor, Pastor Lawrence Andrew
While churches in Malaysia deny propagating Christianity to the Muslim community, Muslim organisations are planning a protest outside churches in and around Kuala Lumpur.

KLANG: While churches in Malaysia deny propagating Christianity to the Muslim community, Muslim organisations are planning a protest outside churches in and around Kuala Lumpur.
Organisers of the protest on Sunday say they are holding it to defend the exclusive use of the word, "Allah", meaning god in Islam.
Religious tensions are on the rise in predominantly Muslim Malaysia after a state Islamic religious authority raided a Christian distributor earlier in the week.
The authorities seized hundreds of Malay language Bibles and arrested two people for allegedly propagating Christianity among Muslims.
Churches and Christian lawyers say the accusations are baseless and demand that the authorities show proof.
They feel that their right to religious freedom, as guaranteed under the federal constitution, has been compromised.
"There is no evidence that the church has used the Alkitab (Malay language Bible) to propagate the faith to Muslims. There is no evidence at all. If there is evidence, the authorities must bring those to light," said Francis Pereira from the Catholic Lawyers Association.
"The people who come to our church are people who come to worship. We are not calling to Muslims, ‘come over, come over, join us’. No. We are not doing such things. And we have never done that. It's ridiculous," said Lawrence Andrew, parish priest at St Anne’s Church.
Many Malaysians are concerned with what they see as a rise in Islamisation.
Last year, a court of appeal ruled that a Catholic weekly could not use the word "Allah" in its Malay publications.
More recently, churches in the state of Selangor were reportedly ordered to stop using the word "Allah" in their prayers.
The Sultan had decreed that the word "Allah" was exclusive to Islam, which is the official religion of the state.
But some churches are refusing to comply. They say that the state Islamic religious authority, better known as JAIS, cannot dictate what churches can and cannot do.
"The constitution guarantees every person who professes his religion to practice it in freedom,” said Father Lawrence.
“We have only one constitution so when people divide the nation into two, we are saying we have to have two constitutions? We are having a separatist movement within the country? They must be charged in court for that.”
Some Muslim leaders, including those from the ruling party UMNO, have labelled Father Lawrence a traitor for going against the Sultan.
Non-Muslims in East Malaysia -- which is predominately Christian -- are allowed to use the word "Allah" but the word is still off limits to non-Muslims in West Malaysia.
The church of Our Lady of Lourdes has been the target for Muslims, who are planning a protest outside the church on Sunday.
There are some 400, mostly East Malaysians, of Christian faith regularly attending services there that are conducted in the local Malay language.
The police have given assurance that no protesters will be allowed to go near the church and that all the services and prayers can be conducted as per normal. - SOURCE



Archbishop Emeritus Murphy Pakiam

Archbishop Pakiam prays that PM will remember where he came from

Archbishop emeritus Murphy Pakiam (pic) has urged Prime Minister Datuk Seri Najib Razak to cement his own call for an end to Muslim-Christian hostility by withdrawing Putrajaya’s legal challenge against the Catholic Church’s use of 'Allah.' The Archbishop, retired recently and now administrator of the Archdiocese of Kuala Lumpur, made the call in response to Najib’s speech at the National Christmas Open House in George Town, Penang when he called on followers of the two faiths to set aside their differences and seek common ground.
"What did he say? Even if the world talks and laughs about this 'Allah' issue, Malaysia will not allow (its use by non-Muslims), we (government) will defend the exclusivity of its use.

"This is not a man who was educated in our Catholic school. By talking like that, you are just a bickering politician. I am praying that Allah will enlighten him to become a statesman," the Malaysiakini news portal reported him as saying today.

Najib was educated at St John's Institution, adjacent to the Archbishop's house where the Christian Federation of Malaysia (CFM) annual Christmas high tea was held today.

Pakiam said Najib was the one who should not stop preventing Christians from using the word 'Allah'.

Pakiam used Najib's experience in school as an example of how the Christian community had helped Najib as a boy in a Catholic school and respected his Muslim faith.

"From a small boy, from primary school until form 3, he (Najib) was there (St John's Institute).
"When it came to catechism (classes), his mother was disturbed because he was a small boy going to a (Christian) religious class.

"But his mother had confidence in our brothers and phoned Brother Matthew who said: 'Please don't worry, we will see that he doesn't go in'," the portal reported.

As such, Pakiam said he hoped Najib would do his duty and serve all Malaysians.
"You think I am not angry? But he is the prime minister, so I have to pray to God to please help him do his duty for the whole country and not just Umno," he said.

The Court of Appeal had in October overturned a High Court decision which ruled that the Home Ministry's ban against Christian publication The Herald from using the word 'Allah' was unconstitutional.

The Church is now appealing the decision at the Federal Court in the hope of reinstating the High Court's ruling.

Pakiam added that Najib's insistence of exclusivity for the word 'Allah' was inciting right-wing groups against the Christian community.

"He knows the law. He knows the judgment the judges gave and he (Najib) is saying: 'Oh, it's allowed there (Sabah and Sarawak), but be careful in peninsula. Don't stir this up. You are playing with fire.'
Legal experts have questioned the government's move to permit the use of the word 'Allah' in East Malaysia, yet continuing defending the Court of Appeal's decision.

The Court of Appeal had ruled that the word 'Allah' was "not an integral part of the Christian faith", a decision that affects Christians in both East and West Malaysia. - December 25, 2013. - SOURCE



It seems that times have changed... these days, everyone blames the Prime Minister for everything. Yup. It's either the government's fault, or the ministers', or the opposition's (depending on the state you are residing, coz the opposition in one state is the government in another.). Sometimes correctly sometime not. However, there's one thing in common regardless of the position one takes in any issues. Respect, actually it's the lack of. There's just no more respect in society. There's no manners, no ethics, no respect. Are Malaysians heading back to the stone age?

This issue has been playing on for a few years already. Frankly, it looks like those involved have no intention whatsoever to find an solution. It's winner takes all. All or nothing. No compromises.  Then how do we expect to find a solution?

Now, even religious leaders & religious groups, have become radical.

Ikatan Muslimin Malaysia (Isma) & Selangor UMNO planned a protest outside churches, which were called off. Stupidity has no limits.

Selangor Umno chief shelves church protest, other Muslims vow to rally on

Selangor Umno chief Datuk Seri Noh Omar. — Picture by Saw Siow Feng
KUALA LUMPUR, Jan 4 — Amid public backlash, Selangor Umno chief Datuk Seri Noh Omar has cancelled a planned demonstration outside a Klang church tomorrow but warned that other Muslim groups are likely to hold gatherings to protest the Christian use of the word “Allah”.


When are these politicians going to stop?
Do they have limits?
Do the people still want to be goaded and led by these politicians?
Do the people from various faiths want their religious leaders to take radical stand?

We just love to play up race & religious issues don't we?

Just a reminder... There's a limit before everything comes crashing down. When it happens, nobody can stop it. The people should not depend on politicians to save you coz they are the ones who started it in the first place. And they will be the first ones to disappear when the SHTF. We've already seen this all over the world.

Is peace, harmony & stability important anymore? Or is winning all that matters?

Society can co-exist peacefully if left alone. Any issues can be solved when we have wise community leaders. Because at the very basic level, the needs of every community is the same... food, shelter, education, jobs, health, etc. But if issues are intentionally played up, creating tension & insecurity in society for an extended period of time, it eventually breaks down.

In the name of politics, youths are radicalised. In the name of politics, different races are pitted against each other. In the name of politics, religion is exploited.

At the rate things are going, even if we manage to avoid conflicts, Malaysian society will reach a point where it won't be hospitable anymore, especially so for the minorities.

What does the future hold?

Different races will be more divided, not that it matters anymore because by then, 90% of the population will be Malays & Bumiputras. You see, all these racial & religious issues are merely distractions and in some cases misplaced pride. It's always about the money. Wealth. Don't believe me? What is the NEP about? Why Buy Chinese Last campaign? ASB? Bumiputera Economic Empowerment Program (read here > BEEP)? (Now we know it costs 32 Billion to keep the PM's job) hehehe...

In short, why do the Malays need to build a protective wall around themselves? Money! Always was, always will be. The worst nightmare for the rich Malay elites is the day their poor fellowmen come for them, which is why the Chinese bogeyman is part of their protective wall. But as usual, instead of questioning honestly why the Malays still form the majority poor, the blame is deflected to the Chinese... But before the Malays start accusing the Chinese, please bear in mind that whatever the Chinese have (the fortunate ones at least - there are still poor Chinese around in case you haven't noticed), whatever they own, they worked & saved & paid for it. They did not get it for free ok?

I'm digressing...

Alright... so... where does all these lead to? In the near future, the divide among the Malays & Bumiputras will become more apparent. Specifically, the wealth disparity within their community. Today, it's already visible but just camouflaged by noise. If today the government is already stretched thin having to continue with the affirmative policies, imagine what it will be like as the population grows in years to come. Guess where the money will come from? The rich Chinese? I doubt you will find many then.

And also, as a result of the growing numbers of Muslim Malays, Islam & it's culture will dominate & permeate every aspect of life, from education to career & industry. The only reason Malaysia has been able to maintain & project it's current image in the past is due to the multi-racial composition of her population. Once Malaysia becomes more mono-racial, everything will change. There are statistics, forecasts, all sorts of data & charts out there that you may use for your own analysis. From my observation, it will be an uphill task to go the middle way. Just ask the Sultan of Brunei - Brunei to bring in tough new sharia law (Now, let's be honest and don't say that the possibility has not crossed your mind.. hehehe).

Today, we often hear stories from the older generation, those from the generation before independence, describing a totally different society & way of life back then. What's the difference between then and now? Take note of the constants & difference, and we will be able to more or less gauge what's in store in years to come. Minorities, especially, should take note. Whatever you are happy & unhappy about, the change you are trying to make, your hopes & aspirations of what the country ought to be... is it real or imaginary. And do you really have the power to make it happen? At what cost?

The truth is, how the future pans out, largely depends on the Malays themselves. From now onwards, the question is, "Apa Melayu Mahu?"

And with that, we shall begin the New Year which will see many beginnings, continuations and endings, from now on, and in years to come...



01 January 2014

Malaysia's Economic Outlook for 2014


Nomura: Subsidy cuts, GST will weigh on Malaysia’s economy for two years

KUALA LUMPUR, Dec 12 - Source

Extract:
1... forecast gross domestic product (GDP) growth rates of 4.5 and 4.0 per cent in 2014 and 2015 respectively...

2... more optimistic about Malaysia’s economy than others, claiming Putrajaya is on the right track to restore foreign investor’s confidence in the long run...

3... Malaysia is among the nations which appear most vulnerable against the US Federal Reserve’s scaling back of its investment in the region, or quantitative easing

4... increase Malaysia’s inflation rate up to 3.5 per cent in 2014, and a whopping 5.2 per cent in 2015 due to the start of Goods and Services tax (GST) in April that year.

5... assumption that fuel prices will go up by another 10 per cent in the second quarter of 2014

6... prediction today that BNM will increase its overnight policy rate (OPR), a benchmark rate set by the central bank, from 3.0 per cent to 3.5 per cent in the second half of 2014...

7... stop subsidising sugar by the current 34 sen per kg...

8... electricity tariff in the peninsula will also increase by 14.9 per cent or 4.99 sen to 38.53 sen for every kilowatt per hour (kWh), and 5 sen for Sabah and Labuan.





Basically, it's time to be prudent with spending. The days of carefree consumption & easy credit are over. Through the years, subsidies have enabled Malaysians to enjoy a relatively comfortable life. Subsidies have also made us complacent. Is Malaysia ready to do without subsidies today? My opinion is no. But unfortunately, it can't go on forever either. But the savings should be used wisely, for education, medical care, social security, infrastructure, etc. But instead, the savings will be used to reduce government debts. It's payback time for the years of spending.

What is the ROI for all the spending? the hundreds of billions that we have to repay?

Realistically, I would put the inflation rate at double of those estimate, at 7% in 2014 and 10% in 2015.

Subsidies should have been gradually reduced during the economic boom in the 90s. But it was not done because the government could afford it. Besides, it would be a politically suicidal thing to do. The population was also smaller then. In 2013, Malaysia's population has grown to 29 Million, from 21 Million in 1998. That's 8 Million extra citizens to subsidise. That works out to an average increase of about 530,000 every year for the past 14 years. It is predicted that Malaysia's population will reach 35 Million by 2020, which is merely another 7 years from now.

If you think that resources are stretched today, with 29 Million people, imagine what it will be like with 35 Million.

You'd better pray hard that the economy grows at a faster rate than the population.

Will there be enough jobs for the people? Will the people have the necessary skills for those jobs? Will their income be sufficient to survive on? Does Malaysia have a favourable environment for businesses and to attract foreign investments in terms of stability, safety, infrastructure, human resources, costs, etc?

What we do today will determine our future.


What is certain is that the coming years will definitely not be easy. Best that we are prepared for it.

Always spend less than you earn.