Teck khun Loo UOW Malaysia KDU Penang University College   UOW Malaysia KDU Penang University College 32, Jalan Anson, George Town George Town, Penang 10400 Malaysia   teckkhun.loo@kdupg.edu.my             JEL Areas: E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data) F4 : Macroeconomic Aspects of International Trade and Finance: General