First Author:   Ahmad Zubaidi Baharumshah Universiti Putra Malaysia baharumshah@yahoo.com   Department of Economics, Faculty of Economics and Management, Universiti Putra Malaysia 43400 UPM Serdang, 43400, Malaysia   +60389467597(Phone) +60389467597(Fax) Second Author: Evan Lau Universiti Malaysia Sarawak (UNIMAS) lphevan@feb.unimas.my   Faculty of Economics and Business, Universiti Malaysia Sarawak Kota Samarahan, 94300, Malaysia   +6082-671000 (ext. 126)(Phone) +6082-671794(Fax)