by admin | Mar 24, 2025 | debt, financial crises, government, politics and government, social welfare
KUALA LUMPUR, March 25 — Data from the Malaysian Insolvency Department reveals that an astonishing 14 percent of government employees were declared bankrupt last year.
This concerning figure has led key governmental figures such as Chief Secretary to the Government Tan Sri Shamsul Azri Abu Bakar to frequently caution against the escalating personal debts of employees in the public sector.
Consequently, this pattern has ignited vigorous discussions regarding its origins and possible remedies.
What reasons explain why an increasing number of government employees are accumulating debts?
Shamsul links the increase in individual debts amongst public sector workers mainly to their lifestyle preferences. He highlighted that governmental staff members who carry heavy financial obligations tend to overspend, giving examples of individuals buying vehicles priced at almost 20 times their monthly income or regularly acquiring top-of-the-line smartphones and laptops.
He proposed that seeking approval through social media contributes to this behavior, often known as “FOMO” (fear of missing out). This term encapsulates the tendency to buy costly things to stay current with fashion and match others around them.
Consequently, numerous government employees rack up credit card debts and then resort to taking substantial personal loans to settle these original liabilities, frequently aiming to reduce their monthly financial burdens. According to interviews conducted with bank representatives for *Malay Mail*, debtors usually stretch their loan periods across multiple years, which leads them to end up paying higher amounts in interest charges.
The increase in buy-now-pay-later (BNPL) services might have worsened the issue by offering unrestricted and effortless access to credit. Experts suggest that these BNPL systems subtly “influence” customers to spend more since they allow for splitting payments into smaller, usually interest-free installments.
According to a 2023 research conducted by the Malaysian Insolvency Department, half of the bankruptcy cases involving government employees were caused by personal loans—a situation that similarly affects many young individuals working in the private sector.
Government employees were seen strolling through the Putrajaya governmental complex during daylight hours. — Image by Raymond Manuel
Rules governing loan caps for government employees
Calls have been made to impose stricter borrowing limits on civil servants. At present, these employees can dedicate up to 60 percent of their monthly income towards repaying loans—a limit that some critics believe is excessively generous.
The limitation mentioned here is established by legislation through Rule 13 of the Public Officer (Conduct and Discipline) Regulations 1993. This rule stipulates that a public officer’s aggregate debt obligations should not surpass 60 percent of their monthly earnings, thereby guaranteeing they maintain at least 40 percent of their income for personal use.
In contrast to those working in the private sector, civil servants have access to an expedited debt management service via the Malaysian National Cooperative Movement (Angkasa).
The system automatically sets aside a predetermined part of their salary for loan repayment. Nevertheless, detractors suggest that this might foster an attitude among civil servants who think that Angkasa will assist them in handling their debts, irrespective of how much they have borrowed.
The government’s reaction to the crisis
Even with warnings and the possibility of severe consequences, such as possible termination, the Malaysian Insolvency Department (MDI) Chief Executive Officer Datuk M. Bakri Abd Majid disclosed in January that certain junior government employees were permitted to incur debts amounting to up to RM1 million.
The organization has suggested reducing the debt limit to 45 percent of take-home pay, implying that an employee’s overall monthly debt obligations should not go beyond 55 percent of their earnings.
Responses to this suggestion have varied. The Public Service Director-General, Tan Sri Wan Ahmad Dahlan Abdul Aziz, has shown guarded approval, emphasizing the need for a meticulous strategy when putting it into practice.
Concerns have been raised that tighter borrowing restrictions might lead public sector workers towards unauthorized lenders. Cuepacs, the Congress of Unions of Employees in the Public and Civil Service, has cautioned that heavy debts could increase government staff’s susceptibility to corruption.
Government employees were seen strolling through the streets of Putrajaya. — Picture By Raymond Manuel
According to a 2016 survey conducted by Cuepacs, out of Malaysia’s 1.6 million public sector workers, around 170,000 individuals—or about 11 percent—were implicated in lending frauds, leading to an aggregate loss amounting to RM340 million.
As the discussion goes on, those who make policies need to find a middle ground between maintaining fiscal responsibility and making sure government employees do not resort to unauthorized or unlawful borrowing channels.
by admin | Mar 24, 2025 | government, healthcare and medicine, news, politics, politics and government
A Senedd committee has stated that there were shortcomings in Wales’ handling of the Covid pandemic.
The bipartisan committee stated they found nine areas needing attention.
UK-wide Covid inquiry
This necessitates further investigation into the response of the Welsh government and other public institutions.
Based on these findings, the committee aims to explore how an optimal resilience and preparedness framework for Wales can be developed.
The report is scheduled for debate at the Senedd next month, where MSs will be requested to sanction an additional investigation.
This marks the initial report from the Covid-19 Inquiry Special Purpose Committee since its establishment in May 2023, tasked with identifying areas within the continuing Covid investigation that require further scrutiny specifically in Wales.
The initial
UK Covid inquiry report was published last July
And the Welsh government responded in January.
Although the Senedd committee factored in that response, they collected evidence to identify any potential gaps and collaborated with specialists from Nottingham Trent University for assistance.
The gaps are:
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To examine the most effective resilience and readiness framework for Wales
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To understand how responsibilities in civil emergency roles might be defined more clearly and accountability enhanced
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Examine how data access and sharing took place.
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Consider the effectiveness of communication of policy and guidance to the public
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Look at civil contingencies across borders, where responsibilities are shared, unclear or complex
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Review how leading resilience processes can be shared in Wales
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Examine ways in which social disparities can be integrated into readiness and resilience frameworks.
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Examine the advantages of adopting an approach specific to Wales to enhance resilience systems.
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Consider the best way for Wales implement the UK Covid-19 Inquiry Module 1 report recommendations

Co-chairs of the special purpose committee, Tom Giffard MS and Joyce Watson MS, said the pandemic was a “painful and traumatic experience for many in Wales”.
In a statement, they said: “We are extremely grateful for the insights and experiences shared by everyone who assisted us with our work, including our public consultation and stakeholder event.
“We have detailed our conclusions and highlighted each area we believe requires further examination.”
The Senedd will be asked approve this further inquiry on 2 April.
Should agreement be reached, the committee will proceed with developing Wales-specific scrutiny initiatives, building upon the hearings conducted by the UK-wide Inquiry.
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Initial COVID inquiry report set to highlight UK strategy shortcomings
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Families affected by COVID-19 seek insights gained from the pandemic.
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Families grieving over lost loved ones demand a separate COVID-19 investigation for Wales.
by admin | Mar 24, 2025 | astronomy, rocket launching, space exploration, spacecraft, spacex
A massive luminous spiral spotted in the nighttime sky over various areas of the UK on Monday is thought to be the result of a SpaceX rocket launch in the United States.
The fluffy-shaped formation, observable for several minutes prior to vanishing, is thought to have resulted from residual propellant discharged by the spacecraft into orbit.
The Falcon 9 rocket launched by Elon Musk’s aerospace manufacturer ascended at approximately 13:50 local time in Florida (17:50 GMT) for a secretive mission commissioned by the US government.
The Falcon 9 is designed for reuse. Once it reaches outer space, it deploys its payload—this could be anything from a satellite to another cargo needed for the mission—which then proceeds with its designated task without further assistance from the rocket itself.
The rocket subsequently reverses direction and heads back toward Earth. During this process, it releases any remaining fuel, causing it to freeze immediately into a spiral formation because of the high altitude and the rocket’s motion.
The light gets reflected from the icy propellant, making it observable on our planet.
The luminous whirl was captured in photographs from England and Wales and was observed in various regions across Europe.
Astronomer Allan Trow mentioned that it was visible above Wales’s Bannau Brycheiniog national park around 8 p.m.
He mentioned that he had witnessed the same occurrence roughly four years earlier.
“But these are pretty rare,” he told the LIFEHACK, and agreed the rocket was its likely source.
SpaceX stated on X that the launch was part of a United States government National Reconnaissance Office mission. Similarly, the Kennedy Space Center mentioned on X that the launch was a classified mission for the same organization.
by admin | Mar 24, 2025 | education, school teachers, schools, teachers, teaching
Stuart Youens states that when he began teaching at a secondary school 20 years ago, he was passionate about his work.
However, slowly but surely, the impact of budget reductions, the decrease in classroom aides, the surge in extra support requirements, along with an uptick in bureaucratic processes began to be felt.
Two years back, he decided to step away from his former career and start working as a truck driver – and he claims that he feels much more content with his new occupation.
Data obtained by LIFEHACKScotland News indicates that the number of days teachers have taken off due to stress has significantly increased over the last six years.
Labor unions and education professionals indicate that numerous educators are departing the profession entirely due to these issues.
The Scottish government has stated that they are implementing measures to ensure school staff receive the required assistance.
Stuart Youens, aged 47, who hails from central Scotland, mentions that he previously worked at a reputable school. However, he began experiencing anxiety about heading into his workplace each day. He also stated that he felt compelled to leave before becoming cynical and disillusioned.
He mentions that teachers should be capable of managing stress within the classroom environment; however, he also points out that issues like mobile phones, disruptive behavior, and student apathy have increasingly become significant problems.
Stuart mentions that the level of stress originating from outside the classroom has surged significantly because of qualification demands and an escalating volume of documentation.
“As I see it, teaching ought to be fairly straightforward, but when you pile on more and more data collection and bureaucratic tasks, it only increases pressure,” he explains.
The excessive red tape needs to be reduced so that teachers can focus on their work. Teaching is indeed a highly rewarding profession, but we must be allowed to carry out our duties without being bogged down by such extensive bureaucratic processes.

He mentions that he enjoys his career as a lorry driver and doesn’t look back at his time as a geography teacher, despite the higher pay.
He states that it’s hard to draw comparisons between lorry driving and teaching, as these are entirely distinct occupations.
I genuinely enjoy driving because of its straightforwardness. It feels far more laid-back.
I want to make it clear that every job has its stresses, including operating a large vehicle, but the people I work with are excellent. Any issues that come up are handled by the mechanics.
I’ve regained that simplicity in teaching that I believed I should have possessed from the start.
Approximately 53,000 educators were working in Scotland during the 2023/24 academic year.
Queries regarding the frequency of teacher absences attributed to stress were dispatched to all Scottish councils by Reform Scotland, an organization that characterizes itself as a nonpartisan independent think tank, with Lord Jack McConnell, a former Labour first minister, serving as chairman.
It garnered replies to its freedom of information queries from most local authorities; however, several entities—including Glasgow—either did not reply at all or merely offered the average number of teacher days lost.
Across the 14 councils that submitted complete data for each year, the overall count of teacher absences attributed to stress increased from 30,380 days in the 2017/18 period to 41,629 days in the most recent year.
In Edinburgh, the figure has more than doubled during this time span, increasing from 3,594 to 8,879. Other regions like Angus have also seen significant rises.

Educators have informed LIFEHACK that their tasks are becoming more challenging due to worsening student behavior in classrooms, an increased number of children requiring substantial assistance, and reductions in funding for classroom aides, support personnel, and overall educational budgets.
Education experts say that having so many experienced teachers being off long-term sick or leaving the profession altogether has a hugely detrimental impact on pupils who will then get ad hoc supply teachers or have to share teachers with other classes.
Alison Payne, who leads research at Reform Scotland, mentioned they aimed to gain clearer insights into how teaching has been affected following hearsay about increasing stress among educators.
She stated: “Although the varying recording techniques employed by the distinct councils complicated efforts to obtain an overall view of Scotland, the individual local government responses were distressing.”
Mrs. Payne stated that the Scottish government ought to look into the matter more deeply.
“Although the rising number of educators severely impacted by stress is clearly concerning from an individual perspective, this increase also leads to greater disruptions in learning for students,” she noted.
The statistics do not reveal if few teachers have been absent for extended durations, which might be simpler to handle when arranging coverage, or if there’s a rise in the number of teachers taking short leaves frequently, making it harder to schedule effectively.
‘Making meaningful progress’
The previous year, the EIS union initiated research focusing on workload and stress. The findings revealed that teachers were, on average, putting in an extra 11 hours per week without pay beyond their contracted hours.
A representative from the EIS mentioned that extremely high levels of stress and stress-induced illnesses are a matter of grave concern.
The Scottish government and local councils, being the employers of teachers, have a responsibility to take action in accordance with their duty of care to alleviate the significant work overload currently faced by educators.
Councillor Joan Griffiths, who leads the Edinburgh City Council’s education, children, and families committee, expressed her sadness over the absenteeism statistics.
“The well-being of more than 3,000 teachers working for the council is extremely important to us,” she stated.
She mentioned that various forms of assistance and resources are provided to aid them, and instructors experiencing worries regarding their workloads or mental well-being are urged to discuss these issues with their direct supervisor.
Angus Council acknowledged the difficulties faced by teachers and stated they have implemented various strategies to assist employees who experience stress.
A representative from the Scottish government stated they were implementing measures to guarantee that school employees received the required assistance.
Over the past few years, we have dedicated over £2 million to particularly bolster the well-being of the educational staff.
Scotland still boasts the highest teacher salaries and the smallest student-to-teacher ratio within the UK.
We are equally committed to boosting the number of teachers in our schools. To achieve this, we are allocating £186.5 million to local authorities this year under a pact with Cosla. This funding aims to bring teacher counts back up to 2023 levels, along with maintaining current learning hours and significantly cutting down class interaction periods.
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Could the decrease in student enrollment justify a reduction in teaching staff?
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Under new guidelines, schools might prohibit mobile phones.
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Teachers ‘ethically coerced’ over workloads – union
by admin | Mar 24, 2025 | crime, government, news, politics, public policy
The Housing Department must take action following the ombudsman’s appeal regarding abuses that endanger the safety of Hong Kong residents.
Public housing serves as a crucial support system for Hong Kong’s less fortunate residents. It must be safeguarded against misuse by individuals who do not qualify for this essential aid. Therefore, it is commendable to observe that the authorities have prioritized securing these facilities, such as when the ombudsman urged action against unauthorized vehicle parking across numerous public residential areas.
Ombudsman Jack Chan Jick-chi stated that his office discovered an “unsatisfactory” condition involving improperly parked vehicles on estate roads, which occasionally obstructed emergency pathways. Chan acknowledged that enforcing regulations might pose difficulties; however, he cautioned about severe repercussions if the Housing Department did not implement stricter measures.
The ombudsman recently investigated how the department managed illegal parking at the 195 public housing estates under its care. Site inspections turned up “prolonged illegal parking” by many vehicles, particularly at night. Inspections focused on complexes where vehicle barrier gates cannot be installed.
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In spite of the criticisms, several developments received commendations for their management strategies. Yau Oi Estate located in Tuen Mun garnered praise due to its implementation of traffic restrictions during non-office hours and increased law-enforcement efforts through collaboration with its mobile team and local police force. Additionally, this estate adopted immobilization tools, intensified patrolling activities, and deployed more CCTV systems along with IoT-enabled sensors to improve immediate oversight capabilities. Other property administrators were advised to elevate their standards accordingly. Consequently, these suggestions have been embraced by the relevant authorities.
Several legislators highlighted the importance of cautious implementation, such as giving notices before deploying tow trucks. This strategy could be effective during busy periods and festive seasons provided that emergency lanes remain clear. These public housing areas consist of over 780,000 homes and approximately 2 million inhabitants. Over half a million personal vehicles are registered in this urban center, where the number of newly added cars consistently exceeds the supply of parking spots.
Effective and pragmatic management should be implemented to equilibrium the provision of cost-effective housing alongside rising demand within one of the globe’s most heavily populated and pricey urban areas. Efforts aimed at addressing the misuse of apartments and even parking spots could aid in reversing the long-standing abuses that have burdened the system for many years.
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