our job market has changed so much, 20 years ago, a degree qualification belongs to someone who study really really hard
today, a degree is a norm, something that people expect you to have by default. not long ago, i was talking to my colleague, he was asking me when i am i going to get a master, as if it is something perfectly normal to do, something everyone is expected to have - but the fact is i have not even complete my degree
in the next 20 years, i foresee having a degree would be as normal as completing SPM
back to your 5 years working experience girl, i believe this really comes down to how much the person have the passion to improve himself. i know people who assume upon completing degree, he already knows all that he needs to know. the person has no intention to further educate himself. as some gurus said, you are either growing or dying, there is no standing still. the grad you mentioned might have the appropriate skill to enter job market 5 years back, but unfortunately she chosen not to further growing, therefore she is lacking behind the job market. this has a lot to do with the mentality rather than the education she received.
example here: assume there are 2 IT graduate, upon graduation, one decided to work in a small china man style company doing non IT related work (perhaps admin work) for salary RM1500/month, life is easy. another started to work in cutting edge IT firm, salary RM1500/month also, tasks are very challenging, life is hard. 5 years down the road, assuming both these graduate didnt change job, the first graduate work in a small firm has been promoted to be a supervisor with salary rm3000, while second graduate worked in IT firm might be earning rm5000. the bigger picture here is that although they both are university graduate, their skill set are totally different now. one's skill is way more valuable than another. and most interestingly is the person who worked in a small firm with admin work has wasted the skilled he acquired during his university time, he is merely 5 years more experienced (in a specific industry) compare to a fresh SPM graduate. while another grad who took the harder route initially leverage on his education that potentially lead him to soar.
in the job market today, instead of hiring the person with a good paper qualification and impressive number of working experience years, i would rather hire the person with the correct mentality for the productivity.
Agreed. I have another girl in my team, spm grad. I think she's much better than the uni grads. She cares about her job and she is always willing to learn. She self learned word and excel. She does profit projections charts for us and sends us monthly updates on our progress. Mind you, this is not within her job scope nor is it something my boss expects her to do. Needless to say despite being less "educated", she earns much more than the uni grads and she is much more respected than the rest of them. When she resigned my boss hiked up her pay by telling the management that if she leaves, he will retire. I need to find more people like that. Unfortunately they are so rare now days
For own stay, you can buy as long as you afford to pay the installment and the initial down payment. But don't put all your cash into property....Spread your risk.
Ya, "all your cash" sounds dangerous. Buy reasonably. Make sure you have a safety net fund just in case you can't rent out/ BLR goes up. If you are a small time worker like me, be careful, any change to job status will substantially change your risk absorption.