The debate or the choice has particular relevance to countries around the world who do not use English as their first language. Do we teach our children English as a second language? Here in Malaysia, do we continue to teach maths and science in English or revert to Bahasa Malaysia? What effects will our decisions have on the preservation or corruption of our national culture? Will it make us more competitive on the international economic scene? All these are valid questions.

Unfortunately, or fortunately (depending on how you think) whether you like it or, English is already the default language in the globalised world. As proof, I offer the following example. Every pilot and air traffic controller in the world speaks English. The reason this is so is because air traffic is by definition globalised. The choice for air traffic control boils down to this; either a pilot learns the language of every country he or she flies across, or air traffic controllers and pilots adopt a common language. Since a typical flight from Malaysia to Europe may cross up to 10 countries, our pilots would have to be linguistic geniuses as well as skilled pilots to make the flight safely. You simply can not have a pilot who is responsible for 300 passengers be unable to land his or her plane because he or she does not speak German or Italian or Arabic or Swiss or English.

In a similar way, science is a global subject. There is no such thing as English maths, Saudi Arabian chemistry or Moroccan physics. it’s math, chemistry and physics which are the same everywhere around the world. In a truly globalised world there will also be no such thing as a Malaysian chemist, A Dutch mathematician or a Swiss geologist, there will simply be chemists, mathematicians and geologists who exist as a global scientific community. The fact that they all come from different countries is an irrelevant accident of birth- there is globalisation. Because we all be global scientists we will require a common language. In the same way that air traffic controllers had to adopt a common language for safety, scientists will adopt one language so that all scientists around the world can participate in and contribute to global science.

If you want or believe in globalisation, you must also want and believe in a common scientific language. Science in several language is incompatible with globalisation.

But what of national pride and culture? To solve this problem I hereby rename The English language as GLOBALISH.

JPBSALT

With a good record on CCRIS, borrowers can easily borrow loans. This is a good example, everyone will desire for good reputation of their own record.

What else in future CCRIS system, these include PTPTN loan and credit card. I may not now whether or not credit card loan is included. Since that PTPTN loan is increasingly remain at high deficit. According to Dewan Rakyat last Tuesday, “Of that total, students owing RM346 million had been given a postponement for repayment while RM1.54 billion has not been repaid,". With this solution, i believe and i am sure many will repay the PTPTN loan. For Credit card wise, in order to solve the notorious misused of credit card among Malaysians and fulfilment of wise spending habit, it is effective that CCRIS works well to cope with the unwise spending. RM50/RM25 levy on credit card is little too expensive. If i had a choice, i would pay for RM10.00. With the fear of CCRIS system by loaners, RM10.00  levy is reasonable. They fear of bad record of theirs.

Refer to the reply from BNM on 11/11/09, their reply to me was “We thank you for your feedback in the email and would like to inform you that currently we are updating our Central Credit Reference Information System (CCRIS) to include exposures on PTPN as well.”

Good Luck All.

Stage 1  Submission of Questionaire

Stage 2 Issuanace of Quatation

Stage 3 Submission of Application

Stage 4 Stage 1 Audit

Stage 5 Stage 2 Audit

Stage 6 Recommendation and Approval

Stage 7 Issuance of Certificate

Stage 8 Surveillance Audit / Recertification

3 STEPS:-

We help managing risk through, diversification of funds into different asset classes
We will help you to select the best portfolio via our "MY FUND SELECTOR" software
We will help to ensure your portfolio not overweight in one particular region or asset class via "MY PORTFOLIO ANALYSIS"

There are generally six (6) types of funds:

Capital Guaranteed Fund

For investors who wish to have a stable stream of income with reasonable protection of capital.

HLG Star Portfolio Fund
HLG Star Select-Capital Protected Fund
Hong Leong Gold Select Fund – Capital Protected (HLGSFCP)
HwangDBS Asia Aspire Capital Protected Fund

HwangDBS Capital Guaranteed Fund III
HwangDBS Global Banks Structured Fund
HWANGDBS Greater China Structured Fund
HwangDBS IM Guaranteed Fund

OSK-UOB Capital Guaranteed BRIC Fund
OSK-UOB Capital Protected China A-Share Fund (S2)
OSK-UOB Capital Protected Equity Fund
OSK-UOB Capital Protected Gold-Linked Fund

OSK-UOB Index Covered
PB Capital Protected Resources Fund (PBCPRF)
Pru08 Capital Protected Asian Infrastructure
PRUasia pacific income fund

PRUcapital guaranteed II
PRUcommodity plus structured fund
PRUshariah fx fund
Public Capital Protected Select Portfolio Fund (PCPSPF)

RHB Asia-Pacific Select 1 Capital Guaranteed Fund
RHB Commodities Capital Protected Fund
RHB Global Financials Capital Protected Fund
RHB Global Islamic Portfolio Series I Fund

Bond Fund

For investors who wish to have a stable stream of income with reasonable protection of capital.

CIMB Islamic Enhanced Sukuk Fund
CIMB Islamic Short Term Sukuk Fund
CIMB Islamic Sukuk Fund (formerly SBB Dana Al-Hafiz)
CIMB-Principal Bond Fund

CMS Bond Fund
HLG Bond Fund-Ordinary Investment
HLG Bond Fund-Standalone Investment
HLG Dana Munir Fund

HwangDBS Select Bond Fund
OSK-UOB Income Fund
Pacific Dana Murni
PB Fixed Income Fund (PBFI)

PB Islamic Bond Fund (PBIBF)
PRUbond fund
PRUdana wafi
PRUinstitutional income fund

Public Bond Fund (PBOND)
Public Enhanced Bond Fund (PEBF)
Public Institutional Bond Fund (PINBOND)
Public Islamic Bond Fund (PIBOND)

Public Islamic Enhanced Bond Fund (PIEBF)
Public Islamic Select Bond Fund (PISBF)
Public Select Bond Fund (PSBF)
RHB Asean Total Return Fund

RHB Bond Fund
RHB Goldenlife Today
RHB Islamic Bond Fund

Income Fund

For investors seeking a stream of income and some level of capital growth.

AmIncome Plus(23.0KB)
CIMB Islamic Balanced Income Fund (formerly SBB Dana Al-I’tidal)
CIMB-Principal Strategic Bond Fund
HLG Asia-Pacific Property Income Plus Fund

HLG Diversified Strategic Fund
HLG Global Bond Fund
HwangDBS Select Income Fund
HwangDBS Steady Income Fund

OSK-UOB GrowthPath Today
OSK-UOB Income Alpha Fund
OSK-UOB Muhibbah Income Fund
OSK-UOB Smart Income Fund

Pacific AsiaPac Income Fund
Pacific Income Fund
Pacific Select Income Fund
PRUasia select income fund

PRUconservative investment plan
PRUenhanced income fund
PRUinternational Bank Target 8 Fund
Public Islamic Income Fund (PI INCOME)

RHB Goldenlife 2010
RHB Income Fund
TA All-Cycle Commodities Income Fund
TA Income Fund

Balanced Fund

For investors seeking a diversified portfolio which provides moderate income and capital growth.

CIMB Islamic Balanced Fund (formerly SBB Dana Al-Mizan)
CIMB Islamic Balanced Growth Fund
CIMB-Principal Balanced Fund
CIMB-Principal Balanced Income Fund

CIMB-Principal Global Balanced Fund (formerly SBB Global Balanced Fund)
CIMB-Principal Income Plus Balanced Fund
CMS Asia Pacific Oriental Fund
CMS Balanced Fund

CMS Islamic Balanced Fund
HLG Balanced Fund
HLG Dana Maa’rof Fund
HLG Global Lifestyle Balanced Fund

HLG Global Resources Income Fund
HwangDBS AIIMAN Balanced Fund (HwangDBS Dana Fahim Fund)
HwangDBS Select Balanced Fund
OSK-UOB Growthpath 2015

OSK-UOB Kidsave Trust
OSK-UOB Smart Balanced Fund
Pacific Select Balance Fund
PB Asia Real Estate Income Fund (PBAREIF)

PB Australia Dynamic Balanced Fund (PBADBF)
PB Balanced Fund (PBBF)
PRUbalanced fund
PRUdana al-islah

PRUdynamic fund
PRUmoderate investment plan
Public Balanced Fund (PBF)
Public Far-East Balanced Fund (PFEBF)

Public Global Balanced Fund (PGBF)
Public Islamic Balanced Fund (PIBF)
RHB Balanced Fund
RHB Global Multi Manager Fund

RHB Goldenlife 2020
RHB Mudharabah Fund
TA Asia Pacific Islamic Balanced Fund

Growth Fund

For investors who wish to have capital growth and may expect some income.

CIMB Islamic Asia Pacific Equity Fund
CIMB Islamic DALI Equity Fund (formerly SBB Dana Al-Ihsan 2)
CIMB Islamic DALI Equity Growth Fund (formerly SBB Dana Al-Ihsan)
CIMB Islamic DALI Equity Theme Fund

CIMB Islamic Equity Aggressive Fund
CIMB Islamic Equity Fund (formerly SBB Dana Al-Ikhlas)
CIMB Islamic Global Emerging Markets Equity Fund
CIMB Islamic Global Equity Fund

CIMB Islamic Greater China Equity Fund
CIMB Islamic Kausar Lifecycle 2017
CIMB Islamic Kausar Lifecycle 2022
CIMB Islamic Kausar Lifecycle 2027

CIMB Islamic Small Cap Fund (formerly SBB Dana Al-Azam)
CIMB-Principal ASEAN Equity Fund (ASEF)
CIMB-Principal Asia Infrastructure Equity Fund (CIMBAIEF)
CIMB-Principal Asian Equity Fund (formerly SBB Asian Equity Fund)

CIMB-Principal Climate Change Equity Fund
CIMB-Principal Emerging Asia Fund(99.0KB)
CIMB-Principal Equity Aggressive Fund 1 (SBB Strategic Equity Fund)
CIMB-Principal Equity Aggressive Fund 3

CIMB-Principal Equity Fund (formerly SBB Premium Capital Fund)
CIMB-Principal Equity Fund 2 (SBB High Growth Fund)
CIMB-Principal Equity Growth & Income Fund (SBB Double Growth Fund)
CIMB-Principal Equity Growth Fund (formerly SBB Crystal Equity Fund)

CIMB-Principal Equity Income Fund (SBB Equity Income Fund)
CIMB-Principal Global Asset Spectra Fund
CIMB-Principal Global Growth Fund (formerly SBB Global Growth Fund)
CIMB-Principal Global Titans Fund(75.0KB)

CIMB-Principal Greater China Equity Fund(66.0KB)
CIMB-Principal KLCI-Linked Fund 2 (formerly SBB Composite Index Fund)
CIMB-Principal Lifecycle 2017
CIMB-Principal Lifecycle 2022

CIMB-Principal Lifecycle 2027
CIMB-Principal MENA Equity Fund
CIMB-Principal Small Cap Fund
CIMB-Principal Small Cap Fund 2 (SBB Emerging Companies Growth Fund)

CMS Islamic Fund
CMS Malaysian Inc. Fund
CMS Premier Fund
HLG Asia-Pacific Dividend Fund

HLG Asia-Pacific Infrastructure Fund
HLG Blue Chip Fund
HLG Construction, Infrastructure & Property Sector Fund
HLG Consumer Products Sector Fund

HLG Dana Makmur Fund
HLG Dividend Fund
HLG European Dividend-Growth Fund
HLG Finance Sector Fund

HLG GEM Resources Strategic Fund
HLG Global Healthcare Fund
HLG Global Value Fund
HLG Growth Fund

HLG Industrial & Technology Sector Fund
HLG Penny Stock Fund
HLG Trading/Services Sector Fund
HLG Vietnam Fund

HwangDBS AIIMAN Growth Fund (HwangDBS Dana Izdihar)
HwangDBS Asia Quantum Fund (Select Small Cap Fund)
HwangDBS Environmental Opportunities
HWANGDBS Global Commodity Fund

HWANGDBS Global Emerging Markets Fund
HwangDBS Global Financial Institutions Fund
HwangDBS Global Growth Allocation Fund
HwangDBS Global Infrastructure Fund

HwangDBS Global Opportunities Fund
HwangDBS Global Property Fund
HWANGDBS Indochina Fund
HwangDBS Select Opportunity Fund

OSK-UOB Asia Pacific Fund
OSK-UOB Asian Growth Opportunities Fund
OSK-UOB Asian Real Estate Fund
OSK-UOB Big Cap China Enterprise Fund

OSK-UOB Dana Islam
OSK-UOB Emerging Opportunity Unit Trust
OSK-UOB Energy Fund
OSK-UOB Equity Trust

OSK-UOB Global Capital Fund
OSK-UOB Global Equity Yield
OSK-UOB Global New Stars
OSK-UOB Gold and General Fund

OSK-UOB Golden Dragon Fund
OSK-UOB Growth And Income Focus Trust
OSK-UOB Growthpath 2025
OSK-UOB KLCI Tracker Fund

OSK-UOB Malaysia Dividend Fund
OSK-UOB Resources Fund
OSK-UOB Small Cap Opportunity Unit Trust Fund
OSK-UOB Smart Treasure Fund

OSK-UOB Thematic Growth Fund
OSK-UOB TMT Focus Fund(86.0KB)
Pacific Asia Brands Fund
Pacific Dana Aman

Pacific Dana Dividen
Pacific Dividend Fund
Pacific Focus China Fund
Pacific Focus18 Fund

Pacific Millennium Fund
Pacific Pearl Fund
Pacific Premier Fund
Pacific Recovery Fund

Pacific S&P Global STARS Fund
PB ASEAN Dividend Fund (PBADF)
PB Asia Equity Fund (PBAEF)
PB Capital Protected Dragon Fund (PBCPDF)

PB China ASEAN Equity Fund (PBCAEF)
PB China Pacific Equity Fund (PBCPEF)
PB Euro Pacific Equity Fund (PBEPEF)
PB Growth Fund (PBGF)

PB Islamic Asia Equity Fund (PBIAEF)
PB Islamic Asia Strategic Sector Fund (PBIASSF)
PB Islamic Equity Fund (PBIEF)
PRUaggressive investment plan

PRUasia pacific equity fund
PRUasia pacific shariah equity fund
PRUcountry selection fund
PRUdana al-ilham

PRUdinasti equity fund
PRUequity income fund
PRUglobal basics fund
PRUglobal emerging markets Fund

PRUglobal equity blend fund
PRUglobal leaders fund
PRUglobal market navigator fund
PRUgrowth fund

PRUsmall-cap Fund
Public Aggressive Growth Fund (PAGF)
Public Australia Equity Fund (PAUEF)
Public China Ittikal Fund (PCIF)

Public China Select Fund (PCSF)
Public China Titans Fund (PCTF)
Public Dividend Select Fund (PDSF)
Public Equity Fund (PEF)

Public Far-East Consumer Themes Fund (PFECTF)
Public Far-East Dividend Fund (PFEDF)
Public Far-East Property & Resorts Fund (PFEPRF)
Public Far-East Select Fund (PFES)

Public Far-East Telco & Infrastructure Fund (PFETIF)
Public Focus Select Fund (PFSF)
Public Global Select Fund (PGSF)
Public Growth Fund (PGF)

Public Index Fund (PIX)
Public Industry Fund (PIF)
Public Islamic Asia Balanced Fund (PIABF)
Public Islamic Asia Dividend Fund (PIADF)

Public Islamic Dividend Fund (PIDF)
Public Islamic Equity Fund (PIEF)
Public Islamic Opportunities Fund (PIOF)
Public Islamic Optimal Growth Fund (PIOGF)

Public Islamic Sector Select Fund (PISSF)
Public Islamic Select Enterprises Fund (PISEF)
Public Islamic Select Treasures Fund (PISTF)
Public Ittikal Fund (PITTIKAL)

Public Natural Resources Equity Fund (PNREF)
Public Regional Sector Fund (PRSEC)
Public Regular Savings Fund (PRSF)
Public Savings Fund (PSF)

Public Sector Select Fund (PSSF)
Public Select Alpha-30 Fund (PSA30F)
Public Smallcap Fund (PSMALLCAP)
Public South-East Asia Select Fund (PSEASF)

RHB Capital Fund
RHB Dividend Valued Equity Fund
RHB Dynamic Fund
RHB Global Fortune Fund

RHB Global Themes Fund
RHB Goldenlife 2030
RHB Index Fund
RHB Islamic Growth Fund

RHB Malaysia DIVA Fund (formerly know as RHB Malaysia Recovery Fund)
RHB Savings Builder Fund
RHB Technology Fund
TA ABN AMRO Utilities Fund

TA Comet Fund
TA Dana Fokus (TADF)
TA European Equity Fund
TA Growth Fund

TA High Growth Fund
TA Islamic Fund
TA Small Cap Fund
TA South East Asia Equity Fund

CAREER OPPORTUNITIESWITH MALAYSIAN NATURE SOCIETY (MNS)

Malaysia’s oldest and largest non-governmental membership-based
environmental organisation seeks individuals who are passionate about the
environment to fill the following positions:

Managing Editor
- Responsible for the management of MNS publications (print and e copy
versions) and its editorial services
- Oversee the sponsorship and budget of MNS publications
- Develop strategies for the promotion and development of MNS publications
- Requirements for the above position
* Excellent editorial judgement and passion in environmental matters
* Good communication and interpersonal skills
* Possess own transport and can work independently

Public Relations Officer
- Responsible to implement MNS Communications plan for the Society
- Coordinate all internal and external communications materials for the Society
- Maintain and update information on MNS websites
- Liaison for media and public inquiries
- Requirements for the above position
* Degree in communications, public relations and good knowledge of
media and public relations work
* Basic knowledge of environment and conservation issues required
* Good team player
* Excellent written and verbal skills

Senior Centre Officer
- Responsible for the management and promotion of MNS Centres located in
Kuala Lumpur and Selangor
- Initiate and contribute towards programmes with corporate and schools
- Develop strategies for the promotion and development of MNS Centres
- Requirements for the above position
* Ability to act with initiatives, imagination and resourcefulness
* Proven track record of leading environmental programmes
* Good communication and interpersonal skills
* Possess own transport and can work independently

Programme Coordinator (based in Langkawi)
- Develop and implement programme with corporate, schools and local community
-Wilingness to work during weekends and public holidays
- Involved in conservation and eco-tourism works
- Developing new activities on Environmental Education or awareness
- Requirements for the above position
* Good communication and interpersonal skills
* Possess own transport and can work independently
Working forMalaysian Nature Society is more than just a job, it’s a passion.
Your duties will allow you to contribute directly towards the conservation
of our natural heritage. If you draw satisfaction in knowing you’ve done something

for nature, please send in a cover letter and CV with three contactable references
and a passport sized photograph (n.r.) not later than 31 August to:

Head of Services
Malaysian Nature Society
JKR 641 Jalan Kelantan
Bukit Persekutuan 50480 Kuala Lumpur.
Email: hod.services@mns.org.my
(Only shortlisted candidates will be notified)

Silverstone is offering a maximum of ten candidates for the Scholarship program.
Candidates must possess a degree or equivalent in rubber, polymer,chemical,
engineering or science related field.

As Silverstone is expanding rapidly, they also have opportunity of employment  for Technical/ Compounding Engineers as well as for Electrical and Mechanical engineers in their plant.

There are 8 vacancies.  Salary is within the range of RM2000 – 2400.

Silverstone has received 50 applications from the advertisement to date.

Successful candidates for scholarship program will be undergoing a 2-year studies in Tire Technology in one of the top universities in China.

Silverstone guarantees a full employment upon completion of the studies.

During the period of their studies in China, Silverstone will bear the total
course fees, course materials, a 4- times return airfare, medical and accommodation
as well as monthly allowance/salary.  Course commencement will be in Oct 2009.

A 3-month intensive Mandarin class will be provided for successful candidates in
China  which include a foundation on listening, speaking, reading and writing.
Upon completion of Mandarin class, a familiarization program will be given to
candidate at our factory in Luhe, Shangdong.

Candidates will be required to return to Luhe plant or to Taiping plant for on-site
practical training during the winter and summer holidays.

Upon completion of the program, they will be based  in their Taiping plant and will
start to serve the bondage period of 5 years.  Position and salary will be adjusted accordingly on their performances.

For thsoe who are interested, please act now and find out more from Scholarshi program!!

For those whio are successfully recruited, please inform DARP for record purposes.

Thank you and GOOD LUCK!Best regards

Sum Kwai Seong
Head, Department of Alumni Relations and Placement
Universiti Tunku Abdul Rahman
No. 9 Jalan Bersatu 13/4
46200 Petaling Jaya
Selangor, Malaysia.
Tel: 603 7955 1511 ext 150
website: www.utar.edu.my

The world is facing a critical challenge. Increasing greenhouse gas emissions are raising the earth’s average temperature. As a result, dramatic climate change is forecast and global scientific opinion predicts enormous developmental, economic, social and environmental stresses on our planet.

Leading climate change experts have put forward a series of practical solutions to tackle climate change. These solutions include the technical standards published by the world’s three leading international standardization organizations: the International Electrotechnical Commission (IEC), the International Organization for Standardization (ISO) and the International Telecommunication Union (ITU).

In its groundbreaking report published in 2007, the Intergovernmental Panel on Climate Change (IPCC) cited technical standards, like those published by the IEC, ISO and ITU, as a means of mitigating climate change now, while offering the potential to reduce its effects in the future as new technologies are developed and mature.

The three global organizations are coordinating their work to ensure that government, business and society are provided with the necessary tools to help combat  global climate change and to support the reduction in greenhouse gas emissions by increasing energy efficiency, while facilitating sustainable development.

The standards produced by the three organizations reach across all sectors identified in the IPCC report where mitigation technologies, policies and measures, constraints and opportunities exist, including energy supply, transport, buildings, industry, agriculture, forestry, and waste.

The IEC, ISO and ITU offer a system of standardization whose output includes standards for the following aspects of the fight against climate change:

• Monitoring and measurement of greenhouse gas emissions
• Measuring the carbon footprint of networks and products
• Designing and building energy efficient homes and workplaces
• Benchmarking for good practices including environmental and energy efficiency labeling
• Promoting good practice for environmental management and design, and for energy management
• Disseminating innovative technologies that promise to help reduce the effects of climate change
• Fostering the introduction of new energy-efficient technologies and services

International standards offer policy makers, industry and users the common tools they need to work together on tackling climate change. The three partner organizations also offer a comprehensive system in which nations and the private sector can participate to establish the priorities for tackling climate change in the years ahead. As such, they offer practical solutions with the potential to be used as part of any international agreement following on from the Kyoto Protocol.

Standards from the IEC, ISO and ITU offer the world’s governments and industry the best possible benchmarks to be referenced in any policy making decisions or future climate treaties. The three organizations are working together with other international organizations to ensure that participants at the upcoming United Nations Climate Change Conference on 7-18 December 2009 in Copenhagen, Denmark, will be fully aware of the solutions offered by existing and future International Standards.

This is the link to Penang marathon on 22 Nov

http://www.penangmarathon.gov.my/portal/

The company entered into a contract with Japan Natural Energy Co. to purchase 40 million kilowatts of renewable energy per year. This is the largest green power purchase contract so far in the Japanese food industry. Under the contract, the company expects to reduce its emissions by about 18,000 tons of carbon dioxide (CO2), which is equivalent to the annual emissions of 4,500 households.

Asahi Breweries plans to print the Green Energy Mark logo on applicable products from all nine of its breweries in late May 2009 as proof of its green power usage. The company is going to switch half of its total electricity consumption, usually produced from non-renewable energy supplied by power utilities, over to green-sourced power, and also generate the other half of electricity with its private-power facilities using natural gas.

Asahi Breweries, Ltd. official website
http://www.asahibeer.co.jp/english/index.html