Seriously, if the govt wants graduate to pay, and yet they can’t even feed themselves because they have no job and are still taking money from parents… what can the govt do?

Perhaps the govt should only start seeking loan repayments when graduates are gainfully employed. The downside to this argument is that I can see University fees increase as a result of this implementation.

Not sure though, maybe I’m expecting too much on government to practise like a banking instituition since government role is to help those needy one.

But, what if this promoting fresh grad to unemployed for life so that they may not even be seen repaying their loan for life too.

I hope I’m making sense here.

Good night.

Debt management and forecasting, again. They need this, very badly.

If they are capable of making a near RM10 billion deficit, would you be amused by the way they use the taxpayer’s money?

jaywalker_82: It’s good now you know how the taxpayer money goes to? Amusing lah, but what can we do?

What I did not understand is a few chaps, driving Waja’s and living in condos, living the Yuppie dream at popular nightspots, not paying up.

One person I knew is not ‘employed’ but does get some income from the ‘gray zone’ by helping his relative, a ‘freelance’ despatch servicing law office’s, people like me who mostly worked from home and needs to send someone to collect volumes of stuff and the likes. I think it’s been a year since he started and has enough to buy a second hand superbike, and recently holidayed in Bali with an ‘acquintance’.

But how to pay? Unemployed what. While mismanagement is present (if it wasn’t I’ll be surprised!), but some people are just taking advantadge.

Now look, who’s fault? Really think about it, ain’t it is just the same ball but both are looking at the opposite side.

Why are you not paying? Ask yourself, look deeper, don’t just look on the surface, what is going on in your mind, what feeling are you getting.

Uncomfortable? Why? Do you really care, serious, really really care to pay back, or just another excuse coz it is lean? Try not paying your car loan? We are all looking at the fact that the problem is out there, “No, it’s his fault”, “I’m right and your wrong”. They don’t pick up the phone. They are not efficient. But what are you gonna do about it.

Paying or not paying is another issue, but just imagine, living your life in denial, everything that happen that is not going right is someone’s fault. You blame someone else, blame the world, blame the insect. You justify. What kinda of life you’re will be living? All the time you are giving your rights to something out there. “Look, he really make me sick”. In this situation, who holds the power? Ain’t all of us are giving our rights to someone else including myself at times. Successful people don’t blame. They tell themselves, how can learn from this. If you don’t say “Yes, it’s my fault”, you will never learn. What else is there to learn if someone else has the power over the situation. Same applies here to the defaulter and also the goverment.

I remember this quote from a book (can’t remember which), if you’re not proactive, you’re reactive. So are you being reactive or proactive here? Think about it?

If you wanna know whether you’re truly congruent with your words that you say or you are just justifying or blaming, before you say anything, check your thoughts. What is the underlying thought, (eg: happy, love OR anger, fear, jealousy)?

So what have you been doing about yourself today? Reacting again or being proactive.