Tuesday, June 30, 2009

Nationwide Rollout of CTCS on July 1

KUALA LUMPUR: With effect from July 1, Bank Negara Malaysia (BNM) is implementing the nationwide rollout of the Cheque Truncation and Cheque Conversion System (CTCS).
In a statement yesterday, BNM said the cheque clearing system in Malaysia would be driven by the transmission of cheque images and data between banks and the clearing house as compared with the current physical exchange of cheques.


The CTCS system is now managed and operated by the Malaysian Electronic Clearing Corporation Sdn Bhd (MyClear), which is a wholly-owned subsidiary of the central bank. MyClear started operations on Jan 2, 2009. 

BNM said CTCS modernised the cheque processing infrastructure in Malaysia through the electronification of the cheque clearing process and reduction of risks and costs associated with paper-based payment instruments. 

"Cheques continue to be an important mode of payment, accounting for about 91.6% of non-cash payment value. 

"The implementation of CTCS would enhance the efficiency of cheque clearing and contributes toward lowering the cost of doing business, thereby enhancing the competitiveness of businesses as well as the overall economy," it said.

BNM said outstation cheques and local cheques in the country as a whole would be cleared on the same day and funds would be credited to the depositor’s account no more than two days later. 

However, in the states of Kelantan and Terengganu, which have different weekend bank holidays, cheques deposited on Sunday will require an additional working day for funds to be made available into the depositors’ accounts. Consumers and businesses will also no longer need to pay commission fees for outstation cheques.

BNM said with the rollout of CTCS, members of the public were reminded that effective Sept 1, 2009, only the newly designed cheques conforming to the eSPICK Cheque Design Standards and Specifications would be accepted by the banks for clearing.

退休保本储蓄户口计划 ?!

无意间在佳礼中文论坛里看见这样的连接.

寿险保客必读 - 揭开寿险代理的一切夸大、隐瞒、误导、欺诈的销售手段!
http://bohtahche.blogspot.com/

感谢BTC勇于揭发保险业所谓‘退休保本储蓄户口计划’的真相. 希望大家可以转告其他人!

* 保险的宗旨是给予生命和心爱的人一个保障, 绝非赚钱或储蓄. 若要"包本", 可将钱存入定期即可; 若要"投资", 可选择股票, 债券, 基金等...

Sunday, June 21, 2009

赤い糸 / Akai Ito / Red Thread / 红线

如果几个月前有留意Astro应该会注意到这一部戏. 它改编自同名手机小说, 于2006年在手机小说网站“魔法图书馆”上开始连载, 连续十八天占据了作品榜榜首的位置, 点击率很快超过了一千六百万. 次年出版的《红线》系列小说销量突破了一百八十万. 接着推出了剧场版, 如今再登大银幕.

我终于今天一口气将它的剧场版给看完了. 个人觉得戏的上半场的布局还真不错, 后半场就稍微普通了些. 故事发生在一所高中, 主要讲述男女主角如何 (曾经) 巧妙的相遇, 分开, 再团聚在一起, 就像有条红线将他们联系在一起... 说起来还真惭愧, 看到了某些情节连吃到了这么老的我也会流起泪来.

如果有时间不妨看一看这部戏, 说不定它可以钩起你过往高中生活的回忆...


如果有兴趣, 可以参考以下连接
http://www.crunchyroll.com/forumtopic-420239/new-drama-movie-akai-ito/?pg=0
http://wwwz.fujitv.co.jp/akai-ito/index.html
http://milkteazoo.wordpress.com/2009/01/01/akai-ito-magazine-article/

小说版 (日文)
小说版 (英文, 粉丝翻译)

Friday, June 19, 2009

Pep Talks Don't Motivate Staff Then What Can?

Psychology At Work - By Dr Goh Chee Leong

MORALE among the staff team is low. Productivity is low. Management decides that something needs to be done and quickly. So they get a trainer to give a “motivational talk”.

“Just come over”, they say, “give them a two-hour pep talk” and the expectation is that all of them will be inspired and motivated.

We want instant solutions for long-term problems.

If only life were so simple. If only leadership were so simple.

Don’t get me wrong. Words are powerful and when delivered by a skilful orator, they have the potential to exert an incredible amount of influence on a whole mass of people.

A good motivational talk certainly can lift the spirits for a moment, but therein lies the problem. Its effects are temporary at best.

The reality is that to boost motivation levels in the organisation on a more permanent basis, there needs to be more a fundamental change taking place in the organisation.

Research in organisational psychology has identified numerous organisational factors that contribute to workers’ motivation levels.

I have attempted to synthesise the various variables into four elements that, in my opinion, characterise the organisational culture of a highly motivated team.


EMPOWERMENT

People are motivated when they are given room to take ownership of their work process.

Read any management guidebook and it’ll tell you the same thing: Choose people who have the ability to get the job done. Set them clear targets and give them room to work.

Avoid micro-managing. Where possible give them freedom to make decisions about their work environment and their work processes. There are always boundaries and limits to freedom and decision-making rights of course, but the principle should be to give as much space as possible.

This is particularly important when you are dealing with your “top performers” and “high potentials”. These people are usually highly intelligent, highly motivated and full of ideas about how to get the job done. Nothing de-motivates them more than being straight-jacketed.

Sometimes as supervisors we make the mistake of over-managing perhaps, because they are trust issues.

Some organisations are overly bureaucratic, creating so much red tape that staff lose any incentive to implement improvements because it’s just too much trouble to change anything.

Some organisations regulate their processes and SOPs (standard operating procedures) to the point that staff no longer have any room to make any decisions or to exercise any discernment which makes the organisation rigid, inflexible and clumsy.

The danger about all this over-regulation is that it takes away a sense of control and ownership from the worker and this is de-motivating.


GROWTH

People are motivated when they perceive that the organisation is facilitating their growth and development.

Research seems to indicate that this is as important as financial remuneration especially for younger workers. They need to see that the current challenges they face are part of a personal development process for them. “What doesn’t kill me makes me stronger.”

Good organisations have transparent career development pathways for their staff and they communicate these regularly so that everyone is clear about what level they are at and what level they can aspire to.

Good organisations also provide the means for staff to make this leap. Talent management has become less of a buzzword and more of an operational necessity at many organisations that wish to compete at a global level.

The bottom line is that people are motivated when there is something to aspire to in their careers and it’s got to be more than just the money. Most “top performers” and “high potentials” are driven people who have relatively strong ambitions. Show them how their current “suffering” is going to help them get to where they want and they’ll be motivated to climb mountains and swim oceans for you.


CLARITY

People are motivated when they are clear about the goals, missions and objectives.

Good leaders are great at communicating the vision, mission and direction in a way that is both clear and inspiring. They are constantly “defining the mountaintops”.

High potentials like challenges. They want to be stretched. They seek a sense of achievement and accomplishment. That is why clarity of the mission is so important to them. Like soldiers in the battlefield, they want clear targets, clear objectives, clear victories.

Some organisations are poor at communicating expectations to their staff. As a result, workers have no sense of their performance indicators, their monthly targets, their scope of responsibilities. This ambiguity can be de-motivating.


EQUITY

People are motivated when they perceive that they are being treated fairly.

Nothing turns off a “high potential” more than the perception that “performance doesn’t really matter in this organisation”.

This is a problem that plagues organisations the world over. People feel that it’s all about office politics. It’s all about who you know rather than what you do. “As long as you’re close with the boss, they’ll let you get away with murder.”

In this kind of work culture, workers become experts at “managing” and “handling” their bosses, rather than improving their actual work performance. The name of the game becomes how to impress the boss rather than how to get things done. Once the worker sees a disconnect between his/her effort and the reward, you can forget about motivation, where the real work is concerned.

The solution of course is to put into place a comprehensive and well-executed performance management system that has clearly defined and measurable hard targets. I like the use of hard targets because it minimises manipulation.

The system needs to be fair and it needs to be seen to be fair.