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Wednesday, July 16, 2025

BEING POOR

 

It seems like if you knew how to stop being poor, you would not be poor, right? It is not as simple as that. Breaking the poverty cycle takes time, effort and a lot of willpower. With the proper steps, though, you can break the poverty cycle and start living your best life.

It is possible to work your way out of the vicious cycle of poverty. Here are a few of the most common causes of poverty:

You come from a disadvantaged background.

You have likely heard the phrase ‘born with a silver spoon,’ right? It refers to people born into wealth or born with everything they need. Not everyone is as fortunate, leaving them financially troubled from the start. Many people are born into low-income families or families who lack generational wealth. If the habits of your ancestors continue in you, you could suffer from poverty too.

You have experienced unfortunate tragedy.

Life is unpredictable and happens at the worst possible times. Medical emergencies, accidents, house fires and criminal disasters can leave a family destitute. No matter how much you prepare for the worst, life has a funny way of working sometimes. Medical expenses often cause financial issues and even bankruptcy, as can destruction of your home or the inability to work due to a severe accident. The crisis itself causes financial issues and then breaking the cycle of poverty feels nearly impossible as you spin in circles trying to get ahead of yourself.

Perhaps you have made poor financial decisions.

Sometimes to find the reason we are poor; we need to look in the mirror. Our poor financial decisions can have a ripple effect on our wealth. For example, if you get in the habit of using credit cards and living outside your means, it can quickly lead to poverty when you cannot afford your bills and the minimum payments on your credit cards. If you have made poor financial decisions and caused yourself financial strife, it is not a time to blame yourself but rather focus on what you can change so you can learn how to stop being poor.

How to stop being poor: Steps for breaking the cycle of poverty.

In order to escape the vicious cycle of poverty, you need to start by recognizing where you are at. When you can admit you are suffering from poverty and need help, you will be ready to take the following steps to stop being poor.

1. Focus on what you can control.

Suffering from poverty feels overwhelming but do not let it. Take control of how you feel and how you think about money. Rather than looking at the big picture and thinking, ‘I could never get out of this,’ look at the little things you can control. For example, you cannot control it when you fall ill but you can control what you spend your money on outside of the necessities.

When you are learning how to get out of poverty, you must focus on the controllable things in your life. As you focus on them, you will feel more sure of yourself and be ready to take the more significant steps – the steps that will get you out of poverty.

2. Stop comparing yourself to others as a key step to stop being poor.

When it comes to how to stop being poor, stop looking at your neighbours, friends, or even siblings and feeling jealous over what they have. Do not let belongings define your worth. So, what if your neighbour drives a Mercedes Benz and you drive a Toyota? Will they like you better if you drive a fancier car? If so, they are not your true friends.

Focus on what you think versus what others think. If your friends and family all buy brand-name items but you are perfectly comfortable with the less expensive generic items, you do what you need to do.

Do not try to keep up with what others do because you do not know their financial circumstances. Sure, they may look like they can afford the expensive clothing or fancy dinners but how do you know they are not racking up credit card debt they cannot afford?

Focus on you and only you. If others like you, great. If they snub you because you do not spend like they do or have the same belongings, they do not belong in your life.

3. Put yourself in the company of others who make smart financial decisions.

You are the average of the five people you spend the most time with – does that scare you? Think about the people you spend the most time with. Do they make intelligent financial decisions or do they spend recklessly?

Chances are, whatever they do, you will do too, subconsciously. You may say you want to learn how to stop being poor but when you are with your ‘group,’ your actions say otherwise. Instead, surround yourself with people who have the same ideals as you.

When you are with people making smart financial decisions, subconsciously, you will too. When you inherently make wise financial decisions, you will break the poverty cycle without feeling overwhelmed – it will happen naturally.

4. Establish a plan for how to stop being poor by figuring out where you stand.

To learn how to stop being poor, you must know where you stand. This step is not easy because you have to be honest with yourself. You must look at your bank accounts and compare them to your liabilities and see where you stack up.

Once you are aware of your circumstances, you can plan better moving forward. If you do not have a budget yet, create one now. Use an application, pen and paper, or Excel spreadsheet to track your cash inflow and outflow and see where you should make changes.

Are you spending more than you earn? Is it too hard to pay all your bills each month? Categorize your spending, figure out where you should cut back and take it one step at a time.

5. Set goals to move forward financially.

You cannot get out of poverty unless you have goals. You must show that you want to change your situation. If you have not already, make your goals visual. Write them down on sticky notes and put them on your bathroom mirror and refrigerator – two places you go every day and will see the reminders.

If you are creative, create a vision board and put it somewhere prominent in your home. What will you do when you are out of poverty? What goals do you have? Do you want to buy a house, a new car or find your dream job? Get as specific as possible with your goals to motivate you to do the hard work to break the vicious cycle of poverty.

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Open letter to Agong: Upholding the integrity of the judiciary in the appointment of top judges

 

Letter to editor

WITH the utmost respect and loyalty, I write to Your Majesty as a concerned citizen deeply invested in the preservation of justice, rule of law and institutional integrity within our beloved Malaysia.

The Judiciary stands as the final bastion of hope for justice, equity, and constitutional governance.

However, recent developments have cast a troubling shadow over public confidence in this vital institution.

Allegations of judicial misconduct, procedural irregularities and claims of external interference – whether substantiated or under investigation – have raised legitimate concerns about the health of our judicial system.

In such a climate, the process of appointing top judges assumes even greater importance. The weight of this responsibility lies not only with those who nominate but ultimately with Your Majesty whose constitutional discretion serves as a safeguard against the erosion of judicial independence.

Editor’s Note:  The Conference of Rulers is expected to decide and announce the appointment of the new Chief Justice today (July 16), according to Prime Minister Datuk Seri Anwar Ibrahim.

Prime Minister Datuk Seri Anwar Ibrahim (left) and His Majesty Sultan Ibrahim, King of Malaysia at the 269th Pre-Council of Rulers Meeting at Istana Negara yesterday (July 15, 2025)

It is respectfully urged that, in considering appointments to the highest offices of the judiciary, Your Majesty:

  • Insist on transparent and meritorious selection: Candidates must be evaluated based on integrity, independence and a demonstrated commitment to constitutional values, free from political or external influence.
  • Encourage full disclosure: In light of recent allegations, it is vital that any concerns surrounding nominees be publicly addressed and cleared through transparent mechanisms before confirmation.
  • Uphold the constitutional spirit: The Judiciary must not only be impartial but be seen to be so. Confidence in judicial impartiality is crucial to national stability, investor confidence and the moral fabric of our society.

Your Majesty’s unique role as the protector of the Federal Constitution and symbol of national unity is especially vital in times of uncertainty.

Malaysians look to the Throne not only for guidance but for assurance that justice shall never be compromised by expediency or hidden interests.

May Allah continue to grant Your Majesty wisdom, strength and compassion in the service of the nation.

Daulat Tuanku.

Member of Public@CITIZEN
Kuala Lumpur

The views expressed are solely of the author and do not necessarily reflect those of MMKtT.

- Focus Malaysia.

So is Terrirudin a Chief Justice candidate or his name never made it to the list at all?

 

AS law-conscious Malaysians turn to the Yang di-Pertuan Agong to uphold judiciary integrity in the appointment of top judges, a constitutions lawyer has offered the media his services free-of-charge amid the classification of the leaked Judicial Appointments Commission (JAC) meeting minutes under the Official Secrets Act (OSA) 1972.

New Sin Yew who is also a human rights champion made the offer as he took a jibe at Communications Minister Datuk Fahmi Fadzil over the weakened (July 13) for tending to prioritise arresting the source of the leak instead of addressing the content of the30-page JAC minutes which – if true – shows interference with the judiciary,

“To all media friends, I will act for you pro bono if you are investigated,” the senior advocate at AmerBON penned on X in reaction to Fahmi cautioning the media against disseminating the leak documents given the OSA applies if they are found to be authentic and classified as government secret.

For context, prior to Fahmi’s statement, former Barisan Nasional (BN) strategic communication deputy director Datuk Eric See-To had made a damning claim that “the PMO (Prime Minister’s Office) had plans to make Terri (Tan Sri Ahmad Terrirudin Mohd Salleh) Chief Judge of Malaya since last year”.

“After the post became vacant in February 2024, JAC (had) proposed candidates but PMO rejected all and pushed Terri’s name by July (2024) despite him being AG (Attorney-General) for only nine months then and facing heavy protests from the Bar Council and Ramkarpal Singh (DAP Bukit Gelugor MP).

“By November 2024, Terri was appointed Federal Court Judge, just a year after becoming AG. The leaked JAC minutes now show Terri was nominated for Chief Judge in May 2025 against the Chief Justice’s advice, citing integrity issues.”

Police probe lends legitimacy

True enough, just hours later on the same day (July 13), the police launched a probe under the OSA into the purported leak of the JAC meeting minutes.

According to Inspector-General of Police Datuk Seri Khalid Ismail, the investigation will focus on how the internal information could have been exposed and revealed on social media.

The case is being probed under Section 8 of the OSA which stipulates offences regarding wrongful communication of official secrets.

On top of this, the police are also looking into the case under Section 203A of the Penal Code (disclosures of information obtained during performance of one’s duties) and Section 233 of the Communications and Multimedia Act (improper use of network facilities).

This itself sparked a social media frenzy with Cilisos Media editor-in-chief Iqbal Fatkhi wondering if the action of the authorities – by subjecting the JAC minutes under OSA scrutiny – would only lend further credence and legitimacy to the documents’ authenticity.

“Are they so dumb (till) they don’t realise by doing this, they’ve confirmed its authenticity?” asked Iqbal on X.

This was when a witty commenter took the middle path by defending the police for having no choice but to pursue an investigation since a report has been lodged except that “in this case, ironically, the horse has bolted the barn, hence shutting the barn door now ain’t gonna help much”.

Fast forward 48 hours later to yesterday (July 15), an anonymous MP who attended Monday’s (July 14) closed door meeting between Prime Minister Datuk Seri Anwar Ibrahim and Pakatan Harapan (PH) MPs had reportedly told the New Straits Times that Terrirudin had never been a candidate for the vacant Chief Justice role nor his name is on the list for the Court of Appeal President or Chief Judge of Malaya posts.

If this is indeed true and not a cover-up, does this mean that the leaked 30-page May 2025 JAC minutes is merely a fake document? If such is the case, then why classify the case under OSA in the first place?

Well, it seems that there is no ending except controversies of sorts standing (and still brewing) in the way of appointing a new Chief Justice which should by right be a walk in the park if all procedures and protocols are strictly adhered to. –  Focus Malaysia

Fire guts tour bus on Mex Highway

 -Pic courtesy of Fire and Rescue Dept.

KUALA LUMPUR: A tour bus was destroyed in a fire on the Mex Highway heading towards Kuala Lumpur this morning, but no casualties were reported.

Selangor Fire and Rescue Department assistant director (operations) Ahmad Mukhlis Mukhtar said the incident occurred at Km20.2 of the highway near a rest area around 8.14am.

"A team of seven firefighters and a fire engine from the Seri Kembangan Fire and Rescue Station was deployed to the scene.

"The firefighters arrived at 8.25 am and managed to bring the blaze under control shortly after.

"No victims were reported," he said in a statement.

Mukhlis added that the bus, bearing a registration number CRR 9522, was 90 per cent destroyed in the fire. - NST

Bersatu moots united opposition front, backs July 26 anti-Anwar rally

 


Bersatu’s supreme council has agreed for party president Muhyiddin Yassin to spearhead efforts in forming a united opposition front with parties outside the government bloc.

The move, according to the party, is aimed at establishing a common position on issues affecting public interest.

The proposal is expected to be tabled at the Perikatan Nasional presidential council meeting scheduled for this weekend.

In a statement today, Bersatu secretary-general Azmin Ali said the party also resolved to mobilise supporters for the “Turun Anwar” rally on July 26 at Dataran Merdeka, Kuala Lumpur.

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“Mobilisation will involve all levels of leadership and members of the public to gather peacefully in the struggle to free the people from tyranny and to uphold the Federal Constitution and the laws of the country,” he said.

Azmin Ali

Separately, the supreme council was also briefed on preparations for the upcoming Sabah state election, with Azmin saying the party is confident that Sabahans have been receptive and supportive of Bersatu and PN’s struggle.

He said party leaders have been instructed to step up ground operations in key constituencies ahead of the polls.

Meanwhile, Bersatu has confirmed its 2025 annual general assembly will be held from Sept 6 to 7 in Shah Alam, Selangor.

The event will be followed by a dinner on Sept 7 to mark Bersatu’s ninth anniversary, expected to be attended by over 2,000 guests nationwide.

The supreme council also approved a fundraising programme under the Infaq Bersatu initiative, which will be open for public contributions to support the party’s activities.

“The contributions are open to all Malaysians who wish to support the rakyat’s agenda championed by Bersatu,” said Azmin. - Mkini