Pesta buku pwtc mac 2013

Contents

  1. My MiND SToRieS
  2. Bringing Sense Back
  3. Legal Cat-asthrophe: March

Preparing for buying rights at international book fairs. At the fair — meetings and market research. Assessing projects: Negotiating terms. Model contract 1: Buying duplicate production material. After the contract. Model contract 2: After the coedition contract. Assessing which titles have rights potential. Preparing sales material. Identifying key markets and potential partners publishing directories, websites, bookfairs. Preparing for selling rights at international book fairs. Model contract 3: Publishers supplying individual e-books direct to customers.


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Pricing of e-books and effect on print sales. Territorial rights issues for e-books in multinational languages. No standard e-book format to run on all devices. Increased electronic piracy but often from scanned copies of print editions ; should e-books be DRM-protected? What can end users do with e-books? Are they buying them or renting access to them? Copyright Director at Pearson Education Ltd. Long-term experience in the promotion and sale of rights in educational, academic and professional titles.

Author of a range of practical handbooks on copyright and licensing for publishers in central and eastern Europe , Russia and China published in local languages. Specialties Specialised in copyright, licensing and contracts, with a particular interest in emergent and transitional markets. Dominador D. This dialogue has been an eye opener for Malaysian publishers to understand better on trade copyright.

Each country representative had given a very invaluable information regarding this industry in their own perspective and vast experince in dealing with copyright trading. Harta Intelek Intellectual Properties; Ip merupakan aset yang sangat berharga bagi sesebuah syarikat penerbitan. Namun masih ramai penerbit yang masih belum menyedari potensi sebenar IP mereka untuk menjana pendapatan dalam bentuk pelesenan hak subsidiari.

Justeru, masih ramai lagi yang belum melakukan langkah-langkah sewajarnya bagi mendaftarkan IP syarikat mereka dengan pihak yang berkenaan. Menerusi seminar ini, peserta akan mengenal pasti nilai dan kepingan IP di syarikat mereka, cara-cara melindungi IP tersebut serta mengenal pasti potensi IP untuk menjana pendapatan bagi syarikat. Peserta juga akan didedahkan dengan insentif dan kemudahan yang disediakan kerajaan bagi mengeksport IP ke peringkat antarabangsa. Penekanan kepada IP sebagai salah satu penjana pendapatan syarikat ini bersesuaian dengan peningkatan kepentingan industri kreatif sebagai salah satu penyumbang besar kepada Keluaran Dalam Negara Kasar.

The Gala Dinner is on 16 April at 6. Dress code: Estimated to guests are expected to attend the Gala Dinner. Highlights for the Gala Dinner are: The night will be entertained by a famous group band, The Alleycats.


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Each member will be entitled for one 1 person free dinner ticket. Any inquiries for the Gala Dinner, please contact the person in charge below: Sales and purchase of ticket: Mr Raymond Yeo. Advertisement in Souvenir Book: Mrs Zainora Muhamad. Come join the Gala Dinner! This is the best occasion for you to meet and network with other members and industry fellows, while celebrating the 42 nd anniversary of the establishment of MABOPA. For RSVP your attendance, please complete the enclosed reply slip and fax to or email to mabopahq gmail.

Thank you.

My MiND SToRieS

Young Poh Loon Organizing Chairman. The whole level 5 will be use for the trade fair. There will be amenities like lounge, wifi, secretariat personals to help the participants and trade visitors. The TCC is designed to be; a compact - Open for 4 days, b focused - It starts 2 days earlier than the consumer fair, to give chance to the publishers to focus on business to business meeting. You can participate by; a Buying a 2 x 2 meter booth for USD This is suitable for publishers with a good number of title to show. You will get a book shelf, a table, 4 chairs.

This is suitable especially for rights and literary agent. Participants will be able to visit the consumer fair when KLIBF opens to public on Friday, 22th April, and attend the general opening of the fair on Saturday, 23th April. Persatuan Penerbit Buku Malaysia dan Perbadanan Harta Intelek Malaysia telah sama-sama menerangkan peranan dan fungsi mereka kepada masyarakat.

Antara perkara yang dibincangkan termasuk mengadakan kempen kesedaran tentang hakcipta, latihan dan maklumat terkini yang boleh di sampaikan dan digunakan oleh ahli-ahli persatuan. We had a full house session for the Ebay Seminar held at our Mabopa office in Dataran Prima this morning. More than 50 Mabopa members came. There were the usual goodie bag by Ebay and light refreshment too. This exclusive free of charge Ebay Seminar was brought to you by Mabopa.

The annual event will bring together a comprehensive range of international players alongside local companies in a Pan-Asian event serving the Information and Knowledge Management Profession. The event will focus on 5 key information industry sectors: Penyertaan mendapat sambutan yang baik dari 26 penerbit-penerbit tempatan yang sangat berminat dalam pengeksportan hakcipta. Ahli panel forum terdiri daripada Mr.

Trasvin Jittidecharak dari Silkwormbooks Thailand yang telah berkongsi pengalaman mereka yang luas dalam penjualan hakcipta di peringkat antarabangsa. Moderator pada hari itu adalah Puan Zainora Muhamad dari Cerdik Publications Sdn Bhd yang mempunyai pengalaman lebih 20 tahun dalam industri penerbitan di Malaysia. Pada sesi seterusnya, peserta seminar didedahkan dengan langkah-langkah persediaan bahan untuk dieksport serta cara pemasaran oleh Bapak Nung Atasana, Pengurus Pemasaran Antarabangsa dari Gramedia, Indonesia yang mempunyai pengalaman selama lebih 30 tahun dalam bidang ini.

Encik Jonathan Ng dari Jonathan Ng Publishers' Agency, Malaysia pula membincangkan tentang bagaimana untuk membuat perjanjian kontrak yang sesuai. Pada sebelah petang, peserta telah diberi pendedahan pula tentang peluang-peluang yang ada untuk mereka melabur dalam industri penjualan hakcipta. Magali Tardivel and Mr. It was a historical moment as the exco held its 8th Executive Committee Meeting on 19th May By Young Poh Loon. Hotel One World. Petaling Jaya. The guest of honour was Y.

Tan Sri Dato' Hj. Alimuddin Bin Hj. The turn out was a bit low due to the date being the eve of Deepavali and some members were away at the Frankfurt Book Fair. Bhg Tan Sri Dato' Alimuddin. Nevertheless, it was a good opportunity to be able to meet up with Tan Sri and the members appreciate his willingness to listen and his commitment to address the problems which was brought up by the members.

E-books issue in Terengganu. The need to limit subjects in SPM. The translation subsidy for critical books. The photocopying issue in schools. Budget for the purchase of books. To reduce the cost of tendering process. Law succeeds Atty. Domindor D. Arief Hakim takes over the post from Atty. Rodelio T. Dascil of Philippines. In his acceptance speech Mr. Law extended his thanks to the previous president, En. Buhain for his contributions to ABPA.

Law hopes to continue the excellent efforts of En. Buhain and lead ABPA to greater heights. Penceramah Undangan: Encik Abu Bakar Bin Ahmad. Penolong Pegawai Penerbitan Kanan. Members can visit their website for more info about KDN on their various Akta or activities. Members would be happy with this new venue and that the lunch tasted good too.

Some members were seen collecting their new membership sijil while some paid their subscription fees at the front reception counter. Tee Yee Biau, the Penolong Pengarah.

Dengan segala hormatnya perkara di atas adalah dirujuk. Bilik Melaka,. Perjumpaan ini bertujuan untuk membincangkan penglibatan Malaysia di pesta buku ini dan juga pesta buku antarabangsa yang lain. Sila maklumkan kehadiran di talian atau smazlin mbk. Kerjasama yang diberikan oleh pihak Y.

Saya, yang menjalankan tugas,. Majlis Buku Kebangsaan Malaysia. Sebanyak 13 anugerah akan diberi kepada karyawan termasuk satu anugerah utama yang akan diberi kepada penerbit iaitu Anugerah Tinta Perdana bagi buku terbaik keseluruhan. Hadiah wang tunai dan sijil diberi kepada karyawan manakala sijil penghargaan diberi kepada penerbit. Penerbit hendaklah menentukan penyertaannya berdasarkan salah satu daripada kategori berikut: Penilaian buku secara umumnya adalah berdasarkan kriteria yang meliputi aspek kandungan, keaslian, tarikan umum dan ciri khusus seperti berikut.

Setiap penyertaan hendaklah menggunakan borang yang disediakan dan tarikh akhir penyertaan adalah pada 31 Oktober Hantarkan penyertaan kepada alamat berikut: Siti Mazlin Abdul Rahman. Please fill up the form below and email back to us at info mabopa.

Bringing Sense Back

The form has been circulated previously via mabopaonline mailing list. The Government has progressively increased the access as well as reduced the cost of education. The only remaining fees are the examination fee for Sijil Tinggi Agama Malaysia and the annual fee for primary and secondary schools. Effective , all these fees will be abolished.

With this, 5. With these measures, schooling in Malaysia is now completely free. The Budget is, therefore, particularly significant as it is the first Budget as we enter the second 50 year-phase as an independent nation. In the first five decades of independence, the nation has achieved significant progress amidst peace and prosperity.

As we enter the next 50 years, it is important that we leverage on the strength of our diversity and remain united in our quest towards achieving developed nation status. Malaysians have undoubtedly enjoyed a substantial improvement in their quality of life since independence. Per capita income has increased 26 fold from RM in to RM20, in In the past 50 years, the nation had achieved remarkable economic growth with the Gross Domestic Product GDP increasing by 6. Our strong growth was achieved amidst low inflation as well as full employment.

We have faced a number of crises during our journey.


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Our economic fundamentals continue to strengthen. The current account in the balance of payment registered a surplus for the past nine consecutive years since , with the surplus at Foreign direct investment FDI inflows have remained strong. We have succeeded in providing world-class infrastructure facilities to support industrial development. Only in this way will our economic development be meaningful, with all Malaysians living in prosperity and harmony.

The Budget will focus on three main strategies, namely: Private investment is anticipated to grow at a strong rate of 7. The Government is confident that this momentum will accelerate in the coming years. The Government is committed to provide a conducive investment climate for the private sector. Currently, corporate tax is based on the imputation system.

This system involves significant cost of compliance and administration to keep track of taxes paid at each level. To improve the efficiency and simplify the administration of corporate tax, the Government will implement a single-tier tax system, effective from the year of assessment With the single-tier system, dividends can be more easily distributed. A transition period of 6 years will be provided to ensure smooth implementation of the single-tier system. I am confident that this reduction will have spill-over effects in terms of economic growth and employment opportunities.

The reduction in corporate tax and the introduction of the single-tier system will enable higher dividends to be distributed to shareholders. Strengthening the Public Service Delivery System. An efficient public service is a key factor in ensuring a conducive environment to attract private investment. I am pleased that in the six months since its establishment, several improvements have already been implemented.

Among these are:. Reducing the period for refund of income tax from six months to between 14 to 30 days for e-filing applications;. Reducing the approval time for the Environmental Impact Assessment from three months to five weeks. I wish to announce that effective 1 January , private valuation will be allowed for purposes of assessment in stamp duty payment. This will enable the transfer of property to be executed pending the final valuation from the Valuation and Property Services Department.

PEMUDAH is reviewing the procedures for the issuance of business licenses and permits with the objective of reducing the number, as well as shortening the processing period through the greater use of ICT. Initially, this will apply to licenses and permits issued for the manufacturing sector and hotels. In addition, the number of documents used by government departments will be streamlined. As a start, the Customs Department will merge 16 customs forms into four, effective 1 January The participation of the private sector in the implementation of the Certificate of Completion and Compliance CCC system has improved the public delivery system.

In this regard, the Government accepted the certification by the private sector professionals on the basis of accountability and mutual trust. Recognising the higher responsibility placed on professionals and the need to protect consumer interests, the Government proposes tax deduction for premiums paid on professional indemnity insurance.

In addition, to ensure greater accountability, the Government proposes that all professionals and consultants be subject to service tax. The quality of human capital, especially of professionals and skilled workers, is critical in attracting greater investment flows. Towards this, the Immigration Department will shorten the processing period for the issuance of work permit to 7 days for skilled workers, compared with 14 days previously. The Immigration Department will also introduce a new category of visa for business travellers, which will provide for a longer validity period.

In addition, other features to facilitate easier entry will be introduced. All these measures will be effective 1 January Currently, multinational companies MNCs are increasingly setting up regional offices in Malaysia, which requires their skilled personnel to travel frequently to Malaysia.

It is important, therefore, to facilitate their entry into the country. Hence, beginning 1 January , the process for obtaining professional visit passes for knowledge workers will be streamlined by enabling applications to be made in Malaysian embassies and consulates overseas.

Currently, such visas can only be applied in the country of origin. The Government has now decided that Indian and Chinese nationals can apply for MEVs in the country where they are residing or working. Initially, this facility will be made available in international financial centres, such as New York, London, Hong Kong and Singapore, effective 1 January The Malaysian capital market has evolved to become an important source of capital for corporates.

This is clearly reflected in the strong performance of Bursa Malaysia. Since early this year, the Kuala Lumpur Composite Index has moved up significantly, reaching 1, points on 6 September Market capitalisation has exceeded RM1 trillion. Currently, the Malaysian capital market is among the largest and most vibrant in South East Asia. Among the factors that contribute to the capital market performance is the success of the GLC Transformation Programme.

The GLC transformation has benefited many stakeholders, including customers, workers, suppliers and the Bumiputera business community, as well as the Government. Other private companies have also succeeded in their transformation processes. I am confident that well before , a number of Malaysian companies, including GLCs, will emerge as regional champions, competing alongside MNCs. I would like to commend the Securities Commission SC for their prompt action in dealing with corporate accounting frauds. All parties must be more vigilant in their effort towards enhancing corporate governance. This Board will be responsible to monitor auditors of public companies to ensure that the quality and reliability of audited financial statements is enhanced.

The Code of Corporate Govenance is being reviewed to improve the quality of the Boards of public-listed companies PLCs by putting in place the criteria for qualification of directors and strengthening the audit committee, as well as the internal audit function of PLCs. The amended Code will be implemented from 1 October To ensure the effectiveness of the audit committee of PLCs, executive directors will no longer be allowed to become members of the audit committee. In addition, the internal audit function will be mandated for all PLCs, and the Board of Directors will be responsible for ensuring the adherence to the scope of internal audit functions, as specified by SC.

These include shorter timeframe for the processing of their corporate proposals, as well as a longer period of licensing. For intermediaries, the period of licensing will be increased from one year to three years and for individuals, two years. However, many of them operate mainly for domestic market. These companies should merge to be more competitive globally. Therefore, the Government proposes stamp duty exemption be given on all instruments relating to mergers of such vendors implemented by 31 December Investment Management Companies.

To encourage the development of the fund management industry, the following measures will be implemented: The SC will facilitate the licensing process as well as all dealings with other Government agencies to expedite the approval process for the establishment of fund management businesses in Malaysia. To encourage greater direct retail participation in share investment and trading as well as the greater use of technology in the capital market, the commission rates for internet trading and cash upfront transactions will be fully negotiable.

This measure will further reduce the cost of transactions. In addition, clearing fees will be reduced from 0. The minimum broking charges per transaction is fixed at RM These measures will be effective from 1 January Fund management companies will be given income tax exemption on all fees received in respect of Islamic fund management activities, until year of assessment In the context of developing Malaysia as an international Islamic financial centre, it is important that we involve a broad based participation of leading global experts in Islamic finance.

Thus, the Government proposes that income tax exemption be given to non-resident consultants with the required expertise in Islamic finance. To attract greater investments from the Middle East, the Government has provided tax incentives for existing stockbroking companies to set up Islamic stockbroking subsidiaries. To further encourage greater flows of funds from the Middle East to Malaysia, three new stockbroking licenses will be issued to leading stockbroking companies that are able to source and intermediate business and order flows from the Middle East.

The takaful industry, established since , has grown and now has assets valued at RM7. To further promote the takaful industry, the Government proposes several enhancements in the tax treatment, including tax deduction on the share of distributed profits. In the light of greater global competition, we need to ensure that Labuan remains competitive as an international offshore financial centre. Given that investors in Labuan undertake a wide range of financial services, a flexible tax regime is necessary. In this regard, the Government proposes that Labuan offshore companies be given the option to be taxed under the Income Tax Act , in addition to the existing options.

To promote the growth of the property sector, I had recently announced the exemption of real property gains tax. This measure will reduce the cost of purchasing a house by up to RM2, The Government will continue to ensure greater Bumiputera participation in the property sector. In this regard, Pelaburan Hartanah Bumiputera Berhad PHBB has acquired several strategically located properties for the development of major commercial projects. In the Budget, a strategic investment fund was established, with an initial allocation of RM million, to provide a catalyst for early investments in the priority sectors of IDR.

This fund has successfully attracted the private sector to invest more than RM1 billion in terms of education related projects, such as a private university for IDR. The Government will provide an additional RM million, particularly for investments in healthcare services related projects. The main thrust of agriculture sector development is to enable this sector to become one of the major sources of economic growth. For this purpose, a sum of RM6.

Among the programmes to be implemented, include increasing paddy production as well as encouraging cultivation of floriculture, herbs and spices. For the fishery sub-sector, allocations will be provided to increase revenue of fish landing and output of the fishery industry as well as to develop the aquaculture industry under 39 high-impact projects.

Allocation is also given for the development of the livestock industry. In addition, several new sources of growth in the agriculture sector have been identified, such as the pioneer project of virgin coconut oil processing, commercialising nira nipah products and breeding of Boer goats. Allocations will also be provided to pioneer organic fertilizer production, utilisation of fertigation technique in planting and mechanisation and automation for farmers.

In the context of supporting private sector initiatives in the biotechnology industry, the Government will continue to provide infrastructure and technological facilities. For this purpose, a sum of RM million is provided in the Budget. Among the projects are the acquisition of technology, development of biodiversity research centre and biotechnology commercialisation centre as well as anti-cancer compound research.

To encourage cooperation between biotechnology companies and local universities, Bionexus status companies will be allowed to use the laboratories and research facilities at local universities, thereby optimising the capacity of research laboratories and facilities at local universities. Development of ICT. The local ICT industry has become increasingly successful in developing world-class products and services, and Malaysian ICT companies are ready to penetrate the global market. The Government will support this effort by intensifying international promotion efforts to enable domestic MSC companies to secure more international projects.

More than 5, domestic and international participants are expected to take part in these programmes. It is hoped that more international ICT companies will invest and collaborate with local companies. This includes the construction of an international school, affordable homes as well as increasing the security level in Cyberjaya. Malaysia has succeeded in attracting a large number of tourists during the Visit Malaysia Year As of June , This is a commendable achievement. An allocation of RM22 million is provided to increase homestay activities in 47 selected villages.

In addition, the development of ecotourism projects will be undertaken to generate income for the rural community, including Orang Asli. The Government has provided several incentives to SMEs, given their potential to spearhead economic growth. Recognising that SMEs may face cash flow constraints at the initial stages of operations, the Government proposes giving them flexibility to pay taxes at the end of financial year instead of monthly instalments.

This flexibility is for a period of 2 years from the date of commencement of operations. Human capital of high quality is critical in ensuring that Malaysia achieves its objective of becoming a developed nation. Hence, the quality of education as well as training will continue to be given emphasis.

A sum of RM30 billion is allocated to the Ministry of Education. This sum has been allocated taking into account the implementation of the Education Development Blueprint, which includes Program Sekolah Cemerlang, improving the quality of teaching as well as narrowing the rural-urban education gap. To further enhance the quality and performance of schools, 60 schools have been selected to become cluster schools in An allocation of RM, will be provided to each cluster school for co-curriculum activities, training as well as educational equipment.

The active participation of students in co-curriculum activities, such as uniformed bodies, associations and clubs as well as sports, is important for character building and developing leadership qualities among students. To ensure every student has the opportunity to participate in uniformed activities, the Government will provide a free uniform for one activity for school students from families with a monthly income of RM1, and below.

Provide an allowance of RM60 per hour for degree holders and RM50 per hour for diploma holders teaching Chinese and Tamil languages in national schools. Retired teachers, given their expertise and vast experience, can continue to contribute in the field of education. Retired teachers will, therefore, be recruited to train teachers and serve as substitute teachers. The Government recognises that a number of primary and secondary schools have been funded and well managed by trust and charitable bodies.

To support their efforts, the Government proposes that these schools be given income tax exemption. This exemption will benefit particularly Chinese and Tamil schools, as well as religious schools. This Plan aims to transform the higher education sector to produce highly knowledgeable and first class human capital as well as develop world-class higher education institutions. A sum of RM12 billion is provided for the implementation of various higher education projects and programmes, including: Re-branding of community colleges through preparatory courses at diploma level, establishing new community colleges and intensifying collaboration with private companies.

However, the number of students sponsored in certain specialised fields is still inadequate. Therefore, the Government will increase the number of undergraduate students sponsored by PSD in local universities from 5, students to 10, annually, beginning These new rates will be effective beginning the first semester session and will benefit more than 90, students. The Government at present sponsors a total of 17, students in universities overseas. A sum of RM2 billion is allocated to various government training agencies to increase the number and quality of trained workers, in line with the needs of the labour market.

To enhance the capacity of training institution, RM million is allocated to upgrade polytechnic and community colleges. The scope of the Human Resource Development Fund HRDF will be expanded to provide greater flexibility for employers to choose training and advanced education programmes for their staff. For this purpose, the Human Resource Development Berhad Act, Act will be amended to allow employers to provide financial assistance to:. All my books and other books at Book Planet are being sold at a discount due the new revamped Book Planet website until 23rd March If you are around and see me, pictures below, at least introduce yourself and say hi Follow me on my Facebook page for Pinjam my first book with Fixi here.

My Fixi books can be bought at Fixi's website. Posted by Khairul Anuar Shaharudin at 8: I may have never announced it in this blog or most of my professional-related channel. As a lawyer who owns a legal firm, telling the world I am writing Bahasa Malaysia novels for an imprint such as Fixi, which is known to sell edgy, uncensored, witchcraft-laden, mind-fuck, transgender-friendly, adultery, fill-with-murders, science-fiction books unlike the at-least, copies love story cum religious-undertone type of stories sought by most Malaysians, may not be a good idea.

So, although I have a nearly-one-year book with Fixi, Pinjam, I never really promoted it here. Here is Pinjam's cover:. It is priced at RM9. Pentas' release was delayed because of certain objectional content in it but all is good now. There will be a launch event on 21st March at Dataran Underground with Pentas being one of the other 2 novels by Fixi launched that day. Do come over to buy, talk to me or just hang out. Books , Buku , On Writing Posted by Khairul Anuar Shaharudin at 2: The new year has brought a new landscape to the investment scenario, either to the property market or the investment market as a whole.

Most investment funds such as Amanah Saham Bumiputera, real estate unit trust, unit trust and Employee Provident Fund have declared good returns more than what were expected from them. The stock market had climbed to new heights. Property market did return to a semblance of the good old days.

By the end of the year, the stock market had turned southward, the oil prices started its sharp decline, the property market started to go soft and the fun is lacking in funds. If statistics are to be trusted, we are expecting to be a bad year. No one will commit that we are heading for a bad time. For those who had lived long enough, they recognised the next few months as the time to dig in and to reassess their investment.

How about the young ones? The ones who had just start their work lives and are just starting to invest in places they thought were good enough for them to get good returns? Should they keep on investing? Should they cut their losses and wait until the market stabilised?

Legal Cat-asthrophe: March

Is property still a safe bet? The answer is simple: It is time to dig in and reassess your investment. It is good to do this every once in a while. You need to understand the concept of holding power and the time to cut your losses. There are a few rules all property investors or any other type of investors should always keep in mind:. Understand the concept of investment, know the product, and know how much you are spending and what your exit strategy is. Before jumping into the water, you should know whether it is cold, warm or hot.

Most people do not research properly the seller especially if they buy a property from a housing developer. Past success or lack thereof does not ensure future success.

http://buysell75boheman.dev3.develag.com/zip-application-to.php This advice is redundant of the advice No. This is when you research the place and the type of property you are buying instead of knowing about how to invest in property. As an example, if you shunned areas such as Nilai or KLIA a few years ago, it might be of interest to you to know that the property investment landscape in those areas has changed. People are starting to buy in those areas. If you are looking for deals, this may be a good time but not for long.

People who buy properties should ask a lot of questions until the sale person who handles the queries starts to hate you. I also find people are surprised at the idea of paying monthly charges, quarterly charges and annual charges for their strata properties to pay for monthly maintenance, sinking fund and assessment rate, respectively. When they sell their property, they are again ignorant of the fact of the Real Property Gain Tax that they will have to pay.

Everyone wants to make a quick buck. The modus operandi maybe different but the rules have never change. There is no easy money. Read the news, read about the change in law, read about the change in the interest rate regime, read about the debate on the implementation of Goods and Sales Tax, read about the debate on lowering of the prices of goods and, finally, read the fine print. Read every single thing. And understand it. If you have invested, surely you have read the fine prints and you have planned your exit strategy.

Why must you have debts that are not helping you to gain more money? Yes, the oil prices dropped, the ringgit is at its lowest and the economy is going to be bad. Foreign investors are leaving in droves. People are not buying as much as they did a few years ago. If you have kept some money for such times, this is the time to buy properties. There are so many choices in the market. People rather rent than buy. If you had wanted to rent your property, you can start now. Check your tenant properly, make sure you have an ironclad tenancy agreement and make sure you can sell the house when you get a good offer.