All About New Zealand - Part 5

cikida

melur_30 posted on 11-9-2014 07:58 AM
chimei, saya pakai D90 dgn kit lens je...

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Alamak..nk kena study blk cemana nk guna d90 aku dh berabuk simpan huhu.
Melur mmg ada skill photography atau sememangnya kat sana cantik sgt...oh my xsabo nyerrrr..melur nak tgk u pnya iti boleh? Nnti kita pm email add k
Aku ni beli tiket peram..lom study itinerary lg..adoi malasnya nk pk.
Kalo nk g bln 12 lom booking apa2 holiday park lg xpe ke..br booking campervan je...risau gak sbb time tu peak season..udah ler semua pn mahal..tu yg makin malas nk pk tu huhu

suesz

melur_30 posted on 13-9-2014 08:42 AM
kat lake tekapo saya dok YHA hostel..majoriti penginapan kami di south island mmg dok hostel pun k ...

Hahaaaaa..tido lagi siuk kot berlangitkan bintang2 wahahaaa...mmg server cari ni prob kot..i x dpt tengok all ur pics pun...update blog ya..tengss;)

melur_30

nak share skit lagi gambar..


lake ruataniwha


clay cliffs, omarama


mueller lake lookout - dah senja time ne, matahari pun dah start turun..


hooker valley..trekking dalam 2.5j jugalah nak sampai (byk berhenti utk mkan dan ambil gambar)


sebahagian drpd view lake benmore..

melur_30

@cikida, itineray tu nanti ya...emm, baik start dari skarang jgn nanti tak dpt penginapan sudah huhuhu..

@suesz kalau dah macam tu baik camping je kat lake tekapo tu hehehe..manatau ada rzeki blh dpt pakej aurora sekali ;-)

Keenah

tempat idaman sejak dr dulu lg...mampu tgk je buat masa ni..huhu

Denco

melur_30 posted on 14-9-2014 09:54 PM
@cikida, itineray tu nanti ya...emm, baik start dari skarang jgn nanti tak dpt penginapan sudah huhu ...

cantiknya view church of sherpard, lake tekapo malam2...
next time klu pg lagi nk stay kat tekapo at least one nigt dan of coz masa spring

dulu pegi time autumn so x bnyk sgt bunga
mana gamabr2 yg ada biew bunga...bole la share

Peterpan17

melur_30 posted on 14-9-2014 09:48 PM
nak share skit lagi gambar..

Sem berkobar kobar semangat aku nak pi New Zeaand. Mcm lmbt nak tunggu 17/10/14

chimei

Peterpan17 posted on 15-9-2014 12:32 PM
Sem berkobar kobar semangat aku nak pi New Zeaand. Mcm lmbt nak tunggu 17/10/14

huhuhu..sama la..tak menyabo rasenye nak tunggu bulan depan ngahahha.

Peterpan17

chimei posted on 15-9-2014 09:44 PM
huhuhu..sama la..tak menyabo rasenye nak tunggu bulan depan ngahahha.

aku dah smp tahap rasa nak start packing dah ni smp bini aku ckp aku ni dah mereng

melur_30

Peterpan17 posted on 15-9-2014 10:15 PM
aku dah smp tahap rasa nak start packing dah ni smp bini aku ckp aku ni dah mereng

hahaha...buat bertenang peterpan...kami aritu hampir 6 bulan menahan rasa hati..punyalah tak sabaar..sampai sana, rasa mcm tak nak balik pun ada..nanges nak tinggalkan keindahan yang ada..ne tak tau bila akan repeat lagi...tiket mahal waaaaaaaaaaa

Peterpan17

melur_30 posted on 16-9-2014 07:36 AM
hahaha...buat bertenang peterpan...kami aritu hampir 6 bulan menahan rasa hati..punyalah tak sabaa ...

Aku punya 1st trip to NZ thn lepas. Thn ni
repeat tp excitednya tak blh nak ckp. Kikikikikik!!

Tkt mahal. Serba serbi mahal kat sanaz bertabah sajalah

aina55

chimei posted on 15-9-2014 09:44 PM
huhuhu..sama la..tak menyabo rasenye nak tunggu bulan depan ngahahha.

Hi Chimei!!! otai korea..hehe
Berapa hari kat NZ?
Sewa Jucy condo ke?
Kena berapa?
Aku plan nk pegi next year bulan 4. tapi excited. Dah lama xjenguk forum.
Dulu biasa nmpk chimei kat group korea. xsangka jumpa kat sini.

FYI forummers. ada 1 group yang buat ground package south island. ni bukan promosi iklan ke ape.
Boleh korang jenguk2 instagram diorang. Aotearotour. maybe sape2 yang tak berani nak gi sendiri boleh try group ni kot.

chimei

Peterpan17 posted on 15-9-2014 10:15 PM
aku dah smp tahap rasa nak start packing dah ni smp bini aku ckp aku ni dah mereng

thehehe sama la jugak..skang gi keje pun mcm tak koje..dok pi nengok gambo2 kat NZ..nakakakak...angau dah ha...

chimei

melur_30 posted on 16-9-2014 07:36 AM
hahaha...buat bertenang peterpan...kami aritu hampir 6 bulan menahan rasa hati..punyalah tak sabaa ...

melur...bace your blog...bombastic gambo ..tak menyabo nak pi dah ni..hhee

chimei

aina55 posted on 16-9-2014 05:23 PM
Hi Chimei!!! otai korea..hehe
Berapa hari kat NZ?
Sewa Jucy condo ke?

homaii ade yg kenai..thehehhe..
biase le aina, merantau ke thread lain mencari ilmu..ekeke
gi lam 10 ari je ke NZ..yup naik jucy..
woo nak pi gak ye..mari2...x menyabo dah nak pi  bulan depan nih..hehe

Peterpan17

chimei posted on 16-9-2014 07:51 PM
thehehe sama la jugak..skang gi keje pun mcm tak koje..dok pi nengok gambo2 kat NZ..nakakakak...an ...

Angau mengalahkan org bercinta. Kikikikik

nissangetz

melur_30 posted on 16-9-2014 07:36 AM
hahaha...buat bertenang peterpan...kami aritu hampir 6 bulan menahan rasa hati..punyalah tak sabaa ...

Sebagai peringatan utk kita semua....

KUALA LUMPUR, Sept 15 — As the cost of living continues to rise and salaries struggle to catch up, Malaysia’s middle class may be shrinking with some hanging on by a thread and others even falling off into poverty.                                                           

        Although there has been a steady but painfully small incremental rise in household income in Malaysia, economists and academics say the term “middle class” does not have the same meaning it had more than 10 years ago.        With salaries unable to match inflation, being middle class no longer means as comfortable a living as compared to 20 years ago.        While disposable income or savings is a good indicator of how many people “live comfortably” or fall within the middle class category, both Bank Negara and the Statistics Department said they do not keep track of such data.        Salaries and household income        Out of almost 7.8 million working Malaysians, the median salary for 2012 and 2011 was stagnant at RM1,500. In 2010, it was slightly less at RM1,480.                                            
                           

        The median household income was RM3,626.        In comparison, median household income for the top 20 per cent is at RM9,796, the middle 40 per cent RM4,372 and the bottom 40 per cent is at RM1,852.         

Over the weekend, Minister in the Prime Minister’s Department Datuk Seri Abdul Wahid Omar was quoted by state news agency Bernama as saying the preliminary report on the latest Household Income Survey showed the median stood at RM4,258, this year.                    

Who are the middle class?        Institute for Democracy and Economic Affairs chief executive officer Wan Saiful Wan Jan said the middle class should consist of the middle 40 per cent with monthly incomes of at least RM3,000 all the way up to the top 20 per cent of incomes, which has a median of about RM9,800 for 2012. Based on the household income data for 2012, less than 51.8 per cent of Malaysian households belong in that category.        But does a household income of RM3,000 a month really put a family of four among the middle class?        


Universiti Sains Malaysia (USM) associate professor in economics Dr Lean Hooi Hooi said the middle class should be defined as individuals or households with RM4,000 to RM20,000 of disposable income every month.        

“I think over the past five years, the inflation rate has been very high even though officially it was only at two to three per cent. We all feel the pain.        “Just go to the hawkers… for noodles or rice, prices go up 10 per cent every year,” she said in a phone interview recently.        

Sunway University Economics and Management Department head Dr Wong Koi Nyen, on the other hand, defined the middle class as semi-professionals and young professionals, based on their earning range per month of about RM5,000 and RM10,000 for families.        According to figures from the Statistics Department, RM5,000 is actually more than three times the median salary, and the household income of RM10,000 is almost three times the median household income.

        The 9.7 per cent of households in the highest income bracket of RM10,000 per month and above made up 31.5 per cent of overall household income recorded in the country.        In comparison, 17.6 per cent of household incomes, earning between RM1,000 and RM1,999, contributed to only 5.4 per cent of total household income, even though they formed the single largest group.        

For the semi-professionals and young professionals, Wong said their main source of income is solely from their salaries as most do not have assets.        “Due to the lifestyle of KL, I don’t think they can make ends meet because the main bulk of their expenses go to car installments.        

“I believe they have more than one credit card, which are liabilities, and if they have a family then they have to commit to their children’s education, health insurance and if they can afford, maybe an apartment,” he said.        

He added that even earning within that range, they may be considered middle class but they will still struggle financially, with no savings at the end of the month.        He pointed out that based on statistics from Bank Negara, household debt grew close to 13 per cent annually from 2003 to 2013 but Malaysians’ income only grew about five per cent on average.        

“So you can see that the growth in income cannot catch up to the growth of household debt,” he said adding that the four main liabilities for most Malaysians are home loans, car loans, credit card debts and personal loans.        Earning RM10,000        USM’s Lean said RM10,000 in an urban setting such as the Klang Valley and Penang would only provide a “standard living”, and not a luxurious one.        

She said an example of a typical family with four children’s expenses include: -      

House loan: RM3,000     
Car loan: RM1,000        
Four children: RM2,000 (RM500 each)      
Utilities: RM500-RM1,000        
Insurance: RM1,000        
Transportation: RM1,000      
Food: RM1,500-RM2,000        
Total = RM10,000 to RM11,000      
“Your RM10,000 is not enough to cover, definitely not entertainment, or even holidays in Malaysia.        

“Gone are the days when anyone earning RM10,000 was considered rich,” she said. Middle class group in the past  Dr Lim Teck Ghee, Centre for Policy Initiatives CEO, said rising incomes and relatively low cost of living enabled the middle class to grow in the past.        

This is no longer the general rule with urban housing especially out of reach for many on lower incomes, he added.        

Wong echoed the same sentiments and said the middle class group were much better off 10 years ago and beyond that.      

  Back then, most unmarried individuals stayed with their parents, saving on rent at a time when the cost of living was lower, he said.        

“Due to the high cost of living, being middle class today doesn’t mean anything.

“It meant something 10 years ago, 20 years ago especially after the economy has been transformed from Third World to developing, we can tell because there were fewer people living in poverty in the 70s, 80s.        

“But now it doesn’t mean anything,” he said. Keep up or risk falling into poverty Lim said the prospects of upward mobility “look dismal” for many in the middle class especially those self employed or in the informal sector.

“As the government’s record on both affordable housing and quality education has been abysmal and unlikely to improve, the middle class has to gear up for harder times ahead especially when the subsidies on essential goods, petrol, electricity and other items of everyday consumption are reduced or withdrawn,” he warned.

dlisa

Peterpan17 posted on 15-9-2014 10:15 PM
aku dah smp tahap rasa nak start packing dah ni smp bini aku ckp aku ni dah mereng

I'm just like U... sebulan dua lagi nak gi travel dah sebok2 nak packing

aina55

chimei posted on 16-9-2014 07:55 PM
homaii ade yg kenai..thehehhe..
biase le aina, merantau ke thread lain mencari ilmu..ekeke
gi la ...

Mana xknl. Sume soalan kat rumah korea chimei boleh jwb.Hebat
Nanti update blog ye..nak tgk route.
Ade jugak tgk blog2 lain.tapi nak compare. Maklum la NZ bukan murah. Korea boleh tahan lagi.ekeke
Daku nk pegi thn depan. Ticket baru beli smpai melbourne. Hehe.
Masih mencari flight murah mel-chc

Jucy tu dah book ke?
Sbnrnya ade jumpa satu company ni. Spaceship. Mcm lg murah dari jucy.
Tapi sempit la. Kata org jawa sumpek.Review pun nmpk ok.
Klu belum book jucy boleh pi tgk2.

Peterpan17

dlisa posted on 16-9-2014 09:28 PM
I'm just like U... sebulan dua lagi nak gi travel dah sebok2 nak packing

Hahahaha!! mcm tulah sis. Excited lebih. Biasa klu yg jln jauh mmg sebulan before travelling aku dah start packing. Bini aku lbh relax psl dia dah buat chk list. 2 minggu before baru dia pack. Tp klu jln dekat2 mcm Thailand, Indonesia, seminggu before baru packing.