beberapa tahun kebelakangan ini..kerana faktor ekonomi dan pengurusan kewangan yg kurang efisyen, ketirisan sana-sini and of course some other reasons..bajet utk pendidikan telah dikurangkan dan ada yg dilupuskan..sek2 mesti rasa effectnya..juga kat university..memang terasa sgt2 kesan dan impaknya

dari segi peluang pendidkan..our govt dh tak antar pelajar2 tajaan utk further study kat overseas..tak mcm zmn dulu2...ie few years back and many2 years back..my niece yg baru grad dari Ireland may be among last batch yg dpt study medic kat obersi (Ireland) funded by JPA..and kat my uni pun dh tak de scheme utk buat phd kat obersi..

whining pun tak mengubah apa2..
cuma now, whether we like it or not, nak kena pikirkan mcm mana our kids nak further study kat university...sbb dulu2 ada byk peluang biasiswa under JPA, MARA etc..nowdays dh tak de especially kalau nak study abroad, or kalau nak buat courses mcm medicine, dentistry

my nephew, currently doing dentistry kat IPTS (dlm msia)...kos pengajian is around RM350k..dh dari awal lg apply education loan dari MARA tp situasinya uncertain masih ada fund or not..so worst comes to worst memang byr dari duit poket sendiri..so far dh byr almost one third pun dari duit poket sendiri
kenapa tak masuk IPTA?..of course tempat sgt terhad and kena dpt straight A masa SPM and 4 flat masa matrics/foundation (if i'm not mistaken) kalau betul2 nak dpt tempat kat IPTA--i'm talking about course medic and dentistry

and similar story...my colleague..her daughter baru jer abis asasi sains kat UM, SPM memang dpt straight A..tp tak dpt 4 flat kat foundation study...so tak dpt tempat utk buat medic kat IPTA..now dh apply masuk IPTS (dlm msia)..kos utk study medic kat IPTS is almost RM500k )(ie half million!)..my colleague has been saving for her children's education..my colleague ni both suami isteri prof..so apparently mampu lah nak byr the cost sbb memang that's the only option available..her other children..yg sulung memang study obersi (dpt scholarship and dh grad pun..now tgh buat phd)

she was telling me...amik insurance pun bukannya byk dpt bila kita nak tebus balik the policy/redeem the benefit..dpt RM20k+ jer pun katanya..
andit's like a reminder to myself jugak..memang pun..value insurance yg me amik pun mcm tu jugak (takaful pendidikan)..me byr RM100 permonth x3 (ie for my 3 boys) potong gaji bulan2....so bila nak amik time diaorg umur 18 nanti..memang value nya around RM20k jer pun...of course nilainya very little kalau nak guna utk byr fees kat IPTS..
kalau masuk IPTA, boleh lah pakai duit tu sbg poket money to survive monthly
the typical scenario nowadays, masuk IPTA, amik course yg biasa2(non-critical course)...boleh amik loan PTPTN..and our kids will be repaying the loan lps graduate and lps diaorg dpt keje

nowadays..apa2 course pun memang kena bersaing very2 stiff competition utk dptkan keje lps graduation...yg grad medic pun kena tunggu few months utk posting, apatah lg course2 lain kan..

scary..seram..risau bila baca psl luahan kat IIUM confession..psl susahnya nak dpt keje even dh ada degree..terbaca jugak kat FB..ada yg sanggup take up the post as cleaner..to that extent realitynya..selain opt for online business, food stuff like nasi lemak etc

mcm mana lah agaknya nasib our future generation..starting gaji memang rendah berbanding dgn kos sara hidup yg meningkat meroket..dan pelbagai tax lagi..dgn harga rumah yg mcm tak masuk akal utk dibeli..

merenung jauh tu MZ...(gmbr hiasan) [Image]
Allahumma yassir amiin
[Image]