*250 - Looking for "Pay for Biomedical Science in Malaysia"?

Something surprised me on the analytics provided by Nuffnang for my blog... i got a search hit on "pay for biomedical science in Malaysia"...

Actually i didnt really wrote about pay for biomedical science graduate in my blog b4... i just rant before that the pay for biomedical science graduate isnt good enough for me... mayb that's the keywords that attracted the hit... This led me wanted to share wat i knew with all my readers here...

Disclaimer: im going into my final year and obviously i havent really graduated yet... all info i shared here is solely experience and counseling i got from seniors, lecturers, friends and forum... may not be 100% accurate but it will be a good reference for ya... if u found any of my infos were wrong or any good infos to share, feel free to leave comments in this post... we as biomedical science students need inputs from the experienced :)

As a biomedical science degree graduate... wat u really can do with it? Most ppl will go into sales and marketing... promoting pharmaceutical drugs, biomedical research equipment and kits... One of my senior is working in this industry and his basic is rm2k... but it comes with a lucrative commission from sales volume... if u're hardworking enough, u can pump until rm6k in no time...

Another choice is to work in pathology labs and diagnostic labs... For those ppl that dont really like to deal with ppl (you shouldnt be), this is a good choice for ya, u;ll be doing lab job, routine and stable income of rm1.8k-2.8k is achievable... One of my fren went enquiring in a private well-known pathology lab, they offer him rm3k including all the allowance... About the same pay goes to the insurance underwriter...

Let's say we further our studies, im sure there's some fellowship programme that u can apply to... in my uni, we can get rm1.5k as allowance with fee exemption if we successfully applied for the Graduate Research Fellowship... Seems quite good to me...

As a junior lecturer after u finish ur phD... (the info i got quite surprise me) we will be only having rm3k-rm4k as a start (basic la, dont worry)... or an experienced phD will be at 5k-6k... and only after that u hav to climb ur own ladder to more than rm10k or even rm20k as a professor... That will be at least 40 years old i think O.o

You can read more at:
Lowyat.net: Lecturer's salary and prospect in Malaysia
Boardreader: How much can a lecturer with phD earn?

Im certain that one can always do better than these... these were just an average guide... Go out and strive ur best to achieve your goals!

*134 - We're Back To The Discouraging Truth

We're back to the question of where biomed will land =.=

I just got to know from my ex-roommate that he is going to left his job as a diagnostic lab officer...

I still can recall that he was so excited on his new job after he graduated... Everything was so challenging according to him... With constant application of wat biomed learnt especially in haematology, he is involved in the diagnosis of disease based on test findings...

Now its the other way round... He saw no future in his career... A repetitive boring pipetting job with little increment and promotions... NOw he is looking into medical sales line...

Lets say u join the diagnostic lab in your 24, where u expect u will be after 10 years at 34? A supervisor post? With a salary of? As i thought... You'll be stuck there till u old and u still got nothing... Unless u own a lab then tat's another story...

Reconsider ur path as a biomedic student... mayb u will be satisfied with a lab work... or u dont and need another route...

Anwyay, now Malaysia needs more biomedical researcher... Not pipetting graduates...

*129 - Why Own Something You Dont Need?

Introducing everyone the most CONTROVERSIAL item i ever owned in my life...
Nokia 2630 !!!

Since day 1 i bought this phone, i got plenty of comments on this matter... Some asked why buy such noob phone? Some said my status doesnt fit into this phone. Some even checked my body temperature in case im having fever when deciding upon this phone =.= Sadly, my parents also doubt that i can settle with this phone...

Since last sem... I realised tat i dont need a flashy handphone... I'd got an old O2 PDA to be my organiser... so I only need a phone tat can call, sms, and save all my contacts, that's all... Other accessories seems meaningless to me as i dont really use them... It seems unwise to pay for what you wont need even u can afford the extra... But i opt for a mp3 ringtoned phone though, just not to scare everyone when my phone rings :D

Used to own an Ipod Nano 3rd Gen... I sold it to my fren hastily last sem... This event actually made me aware of this big philosophy of life... Life can be simple, and many things u just dont really need...
Something to ask urself... Do u really need those bling bling ones? What is the benefit of your flashy cell phone? Do those gadgets bring more pros than cons? Food for thought, personal image and status arent measured by the gadgets u own...

More Readings:
What is the benefit of your flashy cell phone?
How to avoid buying things you do not need?

*118 - Money For Our Next Generation

I was pumping my petrol at Petronas, Kesas Highway... A worker named Mahmud (saw it on his name tag) tat helps me on fuel pumping came and approach me... As we chat... I exposed myself as a local uni student...

He became so enthusiastic and interested on the local uni subject and keep asking me questions... Especially the financial aspect... Seems like he keep on asking wat's the mininum cost to study in local uni... How students support themselves in uni etc...

So in my opinion... i feel that he asked, is mayb bcause he got a kid going to uni soon? In reality, how much can a petrol station worker afford to send his kid to uni? i told him my fees roughly each month is rm333... and with all the food n drink n bla bla bla... it goes up to AT LEAST 500 or 600 to be better... (lucky there's PTPTN here to help, it means a lot to some ppl)

Im wondering... How will i feel if i cant afford to send my kids to the university... and im letting my kids down... I dont dare to imagine tat... I'll truely feel guilty for this all my life... It makes me recall the scene in the Singaporean comedy, Just Follow Law... When Lim Teng Zui's (Gurmit Singh) salary is not even enough for his daughter's hospital admission deposit...

I understand tat i need to excel in life... in order to give my kids a brighter future... Facts of Life!

*66 - My 1st "Forced" Saving ^^ eTiQa Takaful

Everywhere i go... everyone i met... will say the same thing... "You have to SAVE for rainy days" In fact, saving is very important, but exactly how many people manage to do it? Especially in your working life, its harder to save...
I came across this islamic saving in Jusco, Bukit Tinggi Klang. They had a roadshow to promote eTiQa Takaful to the public, especially non-muslims. Out of curiosity, i sat down and got them explain to me wat actually this eTiQa Takaful is about.

Its a islamic saving (Takaful) that opened for non-muslims in the recent years. For my age of 22, i'll be taking its Mesra Plan which contracts for 30 years with a interest of 5.5% to 8% per annum. Minimum saving per month is rm100. It even comes with a life and permanent disability insurance. There's other benefit like no service chargers etc. tat you'll need to check it out urself :)

Lets do some math here... rm100 per month for 30 years (age of 52 O.o)... i'll save a total of rm36,000... with a average interest of 6-7% per annum, i'll assume there's at least rm70-80k... So i'll say at least i'll have a rm100k at the age of 52... (you may not earn money at all if u stop between the 30 years, but at least there's a saving) Kinda like my retirement fund huh? I signed up and paid for the 1st 2 months on this.

Asked my dad for advise, he said tat most worker cant even save a rm100, i'll need serious financial management to save tat EVERY MONTH... so i guess i'll hav to plan every expenditure from now on huh, since i got no stable income yet =.= just make tat my retirement fund or my children's education fund then... LoL... Frankly, its just rm100, not big money but not small either... Stop clubbing once then i'll have that rm100 ^^

Although im late starter but glad i started somehow... What about u? Manage to save for urself? Why not check out other plans offered out there and share it here :)