Public employee's innovativeness, responsiveness, efficiency and friendliness in services are the core prescriptions to enhance the competitiveness of one's country. Financial well-being and employees are two aspects that consequently related with each other that have received substantial deliberation from researchers, employers and financial advisor. Financial well-being can affect both direct and indirectly towards an individual, team and also organization. Changes in employee's financial well-being level whether it becomes high or low will affect their job performance. The purpose of this study is to discuss the level of public employee's financial well-being in Malaysia as well as to examine the determinants of financial well-being. A total of 73 questionnaires have been distributed through e-survey (email based) using convenient sampling technique in order to conduct this pilot test (pre-test). Only 30 public employees have participated in this study. The results identified that majority of public employees is at the moderate level of financial well-being. Even so, appropriate action should be taken through financial education in order to prevent worst case scenario in the future.

The objective of this study is to disclose the effect of socio-demographic characteristics such as, age and ethnicity which is comprised of Malay, Chinese, Indian and Others on four financial capability domains namely planning ahead, managing money, choosing products and staying informed. A closed ended self-administered questionnaire was disseminated to a total of 2000 respondents among four types of groups which consist of FELDA or rural area residents, private sector employees, government sector employees and youth in institutions of higher learning in Malaysia. Those four groups were selected to cover a wide range of Malaysian population. 500 respondents were involved in this study for each types of groups through purposive sampling technique. Analysis of Variance (ANOVA) and analysis via Statistical Package for Social Science (SPSS) was utilized in this study. The results revealed that age has significant effect on planning ahead, managing money, choosing products and staying informed. Whereas, ethnicities were found to have no effect on financial capability except planning ahead domain. It is suggested that more devotion should be placed on research and professional training in building respondents' financial capability. Furthermore, government and non-government organizations should develop a comprehensive approach to intensify their financial capability and upgrade their standards of living especially of financially vulnerable households.

This paper presents the development of digital simulator tool for sensitivity analysis of ac contactor with respect to voltage sag characteristics. The simulator tool allows varying of the sag characteristics for the purpose of evaluating the behavior of ac contactor under very worst conditions of voltage sags. Describing voltage sag characteristics by their magnitude and duration only without consideration of other parameters is no longer suitable to fully assess the equipments sensitivity. Therefore, this paper presents the necessity to include the point-on-wave of sag initiation and phase shift of sag to explain the sensitivity of ac contactor during sags. From the simulation results, the ride through capability curve is constructed to identify ac contactor sensitivity levels. The curve has demonstrated a rather complex behavior of the ac contactor. By having a simulator tool, ac contactor analysis can be simulated for any type of configurations without having to perform laboratory experiments.

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