寫給兒子的信

我兒:
寫這備忘錄給你，基於三個原則：


(一）人生福禍無常，誰也不知可以活多久，有些事情還是早一點說好
(二）我是你的父親，我不跟你說，沒有人會跟你說
(三）這備忘錄裏記載的，都是我經過慘痛失敗得回來的體驗，可以為你的成長省回不少冤枉路。

以下，便是你在人生中要好好記住的事：
1.對你不好的人，你不要太介意:在你一生中，沒有人有義務要對你好，除了我和你媽媽。至於那些對你好的人，你除了要珍惜、感恩外，也請多防備一點，因為，每個人做每件事，總有一個原因，他對你好，未必真的是因為喜歡你，請你必須搞清楚，而不必太快將對方看作真朋友

2.沒有人是不可代替，沒有東西是必須擁有:看透了這一點，將來你身邊的人不再要你，或許失去了世間上最愛的一切時，也應該明白，這並不是甚麼大不了的事

3.生命是短暫的，今日你還在浪費著生命，明日會發覺生命已遠離你了:因此，愈早珍惜生命，你享受生命的日子也愈多，與其盼望長壽，倒不如早點享受

4.世界上並沒有最愛這回事:愛情只是一種霎時的感覺，而這感覺絕對會隨時日、心境而改變。如果你的所謂最愛離開你，請耐心地等候一下，讓時日慢慢沖洗，讓心靈慢慢沉澱，你的苦就會慢慢淡化。不要過分憧憬愛情的美，不要過分誇大失戀的悲

5.雖然，很多有成就的人士都有受過很多教育，但並不等如不用功讀書，就一定可以成功:你學到的知識，就是你擁有的武器!人，可以白手興家，但不可以手無寸鐵，緊記！

6.我不會要求你供養我下半輩子，同樣地我也不會供養你的下半輩子，當你長大到可以獨立的時候，我的責任已經完結:以後，你要坐巴士還是Benz，吃魚翅還是粉絲，都要自己負責

7.你可以要求自己守信，但不能要求別人守信，你可以要求自己對人好，但不能期待人家對你好:你怎樣對人，並不代表人家就會怎樣對你，如果看不透這一點，你只會徒添不必要的煩惱

8.我買了十多二十年六合彩，還是一窮二白，連三獎也沒有中，這證明人要發達，還是要努力工作才可以，世界上並沒有免費午餐

9.親人只有一次的緣份，無論這輩子我和你會相處多久，也請好好珍惜共聚的時光，下輩子，無論愛與不愛，都不會再見

你的爸爸 梁繼璋

梁繼璋先生是香港一位名電臺節目主持人，也是一位兒童心理學導師。
這是梁繼璋寫給兒子的信；但看後，我覺得不只給兒子，其實可以適合所有人看!

30 Most Commonly Used Tricks by MLM & Investment Scams

It is normal nowadays to have a "long time no see" or "long time never show up" friend or relative call and ask are you free or not. Then the next thing happen is he/she sitting at hawker centre/coffee shop/*buck/your house and he/she start to share 1001 success stories of the people that they work with (They are not there yet la...... so still working on it......). All of these are supposedly bring you more income/money lo...... but where got free lunch in this world one.

Some nice people at Low Yat forum put up a list of trick used by MLM and Investment scam. Refer to the original posting at Low Yat forum. Please forward this post to everyone so that less people kena con.
http://ahsiangboringdiary.blogspot.com/2010/01/30-most-commonly-used-tricks-by-mlm.html

Here is the list:

1) "Denial" trick - They will claim "we are not mlm". Knowing that many people don't support a mlm or direct sales products. Some companies will keep denying they are MLM and used other terms like "franchisee" business, eg. Lampe Berger, STG, IRC; or "investment schemes" eg. Sunshine Empire, GRI, etc;

2) "Get-A-Job" trick - Example Easypha-max.

3) "Future Plan" trick - This has been most common in the past. They will tell you a lot of rosy future plans like setting up factory in Malaysia; or going public listed soon and you will be given free shares or priority to buy cheaper chares; or whatever you purchase now be worth much more in the future.

4) "Secret Formula" trick - on both plan and product. When they cannot explain how the product or their marketing plan works(obviously not if it is a scam) they will tell you "this is Company secret, tell all will means allowing competitors to follow us". Fixed return on investments(ROI) scams that take monies from the new victims to pay the old ones always use this statement.

5) "Other Industry" trick" - This trick started by Sunshine Empire is most commonly used by those investment scams that promised fixed return. This is the most common trick now. After the failure of investment scams like Sunshine, Mobilwallet, STG, etc many people already know that it's impossible for products selling or food business to gain such profits margin for unlimited members. So they use other industries like a certain plant or tree cultivation, seaweed, fish, fuel, IT-related development and the latest is "turning waste oil into crude oil" with office at Mont Kiara. Others out soon(being planned now) are church-related, shipping industry, space industry, etc

6) "Long History" trick - You probably heard many times on this. Those MLM Companies that have longer history will use this trick to "bully" the newer companies but what has that got to do with their products or whether it is a good business ? They will tell you their Company is stable because of a longer history (don't they have their beginning too ?) or used products supplier's history which do not belong to them.

7) "Testimonials" tricks on both products(esp healthcare products) and on the business opportunity. Nearly every healthcare products MLM used it. Sunrider, Morinda, SNE, BioYoung and many others, where have they all gone now if their products are so good ? Most of the time, the effects are placebo(see no. 13 below) or exaggerated. Testimonials are commonly used for the income opportunity too. They will always tell you so and so in their company earned a lot but NEVER caution you that over 99% of those who joined earlier have left or lost some money.

8) "Moneyback gurantee" trick - Is this a trick too ? Certainly ! This trick works well because people fill safe in paying for it BUT when you try to claim your money back; here are the common senario: your introducer or seller is hard to locate now, there is a 10% "certain fee" not brought to your attention earlier, certain offer items are not returnable; or your upline will beg you not to return because commissions they and you earned need to be refunded.

9) "International" trick - They will tell you their organisation has reached many countries, so what ? What has that got to do with you and your money which you are going to pay ? In some cases, foreign based MLM Companies are actually Malaysian-created with a virtual office addressed overseas. Some US claimed companies don't even do much business in US. Past examples are Enrich, Xango, etc

10) "Professionals" trick - most commonly used are doctors and lawyers. Doctors and Lawyers who speak for any business have poor code of ethics and comnpanies who used such tricks are worse.

11) "Doctors Endorsement" trick - Can we trust doctors who breach their own code of ethics ?

12) "Legal Agreement" trick - This one is most common now in investment scams. You think legal documents will protect you? They are used to earn your confidence or take away your rights, more later. In most of their agreements, they have a clause included that the Company can change any conditions in future leaving the members no rights to take actions against them. Past examples of this trick are MobilWallet and STG. Their bosses, offices and restaurants are still around but members cannot do anything legally.

13) "Placebo-effect" trick - Used widely by Fusion Exel and those energy pendant sellers. Placebo effects are more significant and effective from "energy" products like those made from magnets, ceramic or lava soils. When the users(normally MLM members) believe and have greater faith in them, a certain inner energy can be produced that may be good enough to cure some illness or symtoms. After the enthusiasm is over, you will find the product no longer effective. This is one of the reason why MOST of those MLMs selling health products are gone. I am sure we have all experience with doctors too. If you lack confidence with a certain doctor or medicine, it may not work for you because your inner energy from your own placebo effect is working against it.

14) "Chemical Reaction" trick - Remember the footpatch that cheated so many people ?

15) "Give you downlines" trick - This is a fishing trick used most commonly in those called binary plan. Some Management can even create new accounts for you to be placed somewhere on top; or they will tell you "I will give you a very strong line from Indonesia or Thailand, all you need is just build one leg"

16) "Free Body Checkup" trick - They will use a gadget or some machines to do for you a free check and later recommend you to buy their product and claim it will work for your problem. Some of them do not even tell you their purpose when they invite you for the "free" checkup. After you entered their office and did the check-up, you are trapped !!

17) "Only-we-have-products" trick - Mostly OEM products that no one knows or trusts. This is traditional in every MLM business. Everyone will claim that ONLY their Company has the product. Of course, because they simply contract a manufacturer to manuafcture for them. In most cases, the products are much more overpriced compared to similar products of another brand available over the counter. Such products are usually not value-for-money and only in the beginning because they are bought up by the distributors or the members of the company. Past examples are Forever Living, Sunrider, Bio-young, XKL, Morinda(Noni juice), Nu-skin, For-Life, Reliv, Xango, SNE etc. They all started with a hype and great volume during the 1st one or 2 years and quiet down later when even their hig-ranking members will no longer buy them.

18) "Brainwashing" trick - wow, this is going to be long.......

19) "Training" tricks - They only tell you "not to quit" but not why and how you will fail. While training is good for one's personal development, it can be harmful if you are trained in a misleading way by any particular Company. Take Amway for example, I am sure everyone of you has a friend or 2 who swear that they will NEVER leave or quit the Company 5 or 10 yeras ago(all due to their great trainings, brainwashings and motivations) but disappeared now due to embarrassment. My advice is "since 99%(statistics don't lie) of all MLMs or pyramid schemes business members will not be successful or make it to richness, NEVER close your back door by swearing you will never quit." Another such example is QuestNEt that started with that no-value gold-plated coin that ask for over RM1000 each. Their members(mostly youngsters) are all trained to approach at least 100 prospects before they should quit. It will only lead to more victims and when they eventually quit, they will be so disillusioned that they will never want to get back into any form of business.

Remember this example if you are ever trained or brainwashed not to quit a business:

A fly inside a closed room saw a big heap of delicious rubbish outside through the closed window. The fly has the motivation, aim, goal, an action plan(everything ever needed and trained for achievement) to knock down the window and get out for the rubbish. With a "Never Quit" attitude, the fly will knock the window until it gets killed. So much on trainings and brainwashings.

20) "Tee Up" trick

21) "Good People" trick - announcing they are of a certain religion or vegetarians

22) "Chicken & Duck Talk & Physcology" trick - This is also very common now and used by nearly every MLM or scam with a good training department eg: When you question them on the business module and suspect a scam or when you have cornered them, they will give you answers like:

"In any business, you need to work for your income, there is no guaranteed income",

" I am afraid you have been misled by others or heard too much negative things from those who are not even how members, so how could they know better than us ?",

"Failures always find excuses not to work, successful people always find ways to succeed"

"Birds of the same feathers always flock together - Only failures listen to failures(we listen and learn from our successful leader in our company"

"Those who failed or left are jealous, so they condemn us"

"No one force them or point a gun on their head to make them join"

I am sure you have heard much more, maybe help to contribute ?

23) "All are Pyramids" trick

24) "Confusing" Plan trick

25) "Company Background" trick - They are big in China or U.S. - What has that got to do with the products?

26) "Treat You" trick - Let's come out for yum cha and there is a free makan !! Greedy people will get this one.

27) "Gadgets-Testing" trick

28) "High Repeat Sales" trick

29) "Impressive" trick - Normally on their office or website

30) "Figures" trick

TV can kill!

Hi parent out there, TV can kill! SO please be careful with your electronics/electrical.

KwongWah news paper (Chinese):
http://www.kwongwah.com.my/news/2010/01/20/14.html
The Star nwes paper (English):
http://thestar.com.my/news/story.asp?file=/2010/1/20/nation/5505182&sec=nation

Please don't take things for granted, be safe!

珍珠奶茶

珍珠奶茶在給人們的味蕾帶來甜美刺激的同時，也給人的健康帶來隱患。奶精是珍珠奶茶之魂，十杯鮮奶的味道，也不如一勺奶精來得香濃。奶精的主要成分氫化植物油是一種反式脂肪酸。
專家指出：每天一杯500cc珍珠奶茶中反式脂肪酸含量已超出正常人體承受極限，飲用者易患心血管疾病。奶精使奶茶變得香濃，源自於奶精中一種名為‘植脂末’的化學物質。這種物質中含有砷(砒霜)、鉛、銅等有害物質，長期攝入，可增加患冠心病、腫瘤、哮喘等疾病的機率，幼兒更會變得智力低下。

吃「珍珠」等於吃塑膠！珍珠奶茶正因為這些黑色的小顆粒而得名，我們一般叫它為珍珠粉圓，公開的主材料是木薯澱粉。然而，單純的木薯澱粉並不能讓珍珠彈性十足，如今比較通用做法是在其中加入小麥蛋白。


即便如此，有的商家也覺得彈性還不夠，為了讓珍珠更有“嚼頭”，於是再添加人工合成的高分子材料。說白了，高分子材料就是塑膠，這也是行業內心照不宣的秘密。這樣的成分不可能被人體吸收，吃塑膠是什麼結果，大家可以想像。

How rich you are?

Usually normal people like me complaint once in a while that money not enough. But since you are looking at your laptop/computer, you should be once of the richest people in this world! Check out this web!

http://www.globalrichlist.com/

p/s: if you don't find your currency, try to covert your currency to US$ or the listed currency in the globalrichlist website. http://www.xe.com/ucc

Forex trading leh......

People beware Forex scam.

Bank Negara Malaysia issued a statement regarding Forex trading in Malaysia:
http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=1976

The article:

Ref No: 01/10/01

Embargo: For immediate release

Beware of Illegal Foreign Currency Trading Schemes

Bank Negara Malaysia would like to caution members of the public not to participate in any illegal investment or training programme on foreign currency trading offered by individuals or companies both domestic and foreign.

Members of the public are usually enticed to attend such investment or training programmes with promises of quick and good returns. The modus operandi of such programmes have included:

• Offering free training, seminars or workshops to lure investors, prior to inviting investors to set-up an online foreign currency trading account with a principal company (purported to have valid licence to trade foreign currency overseas);
• Providing convenient access to the principal company's website and trading facilities to facilitate online foreign currency trading by investors;
• Recruitment of fresh graduates as marketing executives and encouraging them to get their family and friends to trade foreign currency; and
• Requiring investors to deposit an amount of money into a bank account to begin trading foreign currency, and subsequently, requesting for a top up on their initial investment ("margin call") to avoid losing their capital.

Under the Exchange Control Act 1953 (ECA), it is an offence for a person in Malaysia to buy or sell foreign currency or do any act which involves, is in association with, or is preparatory to, buying or selling of foreign currency with any person, other than an authorised dealer. It is also an offence for a person to aid or abet another person to buy or sell foreign currency with any person, unless the person is an authorised dealer.

The list of authorised dealers and financial institutions permitted by the Controller of Foreign Exchange to buy or sell foreign currency can be obtained from Bank Negara Malaysia's website (http://www.bnm.gov.my).

For further enquiries, members of the public can contact Bank Negara Malaysia at:

BNMTELELINK (Customer Service Call Centre)
1-300-88-5465 or
E-mail: bnmtelelink@bnm.gov.my

Bank Negara Malaysia
4 January 2010


The list of authorised dealers in Malaysia:
http://www.bnm.gov.my/index.php?ch=17&pg=697&ac=606

1. Affin Bank Berhad


2. Affin Investment Bank Berhad


3. Affin Islamic Bank Berhad


4. Al Rajhi Banking & Investment Corporation (Malaysia) Berhad


5. Alliance Bank Malaysia Berhad


6. Alliance Investment Bank Berhad


7. Alliance Islamic Bank Berhad


8. AmBank (M) Berhad


9. AmInvestment Bank Berhad


10. AmIslamic Bank Berhad


11. Asian Finance Bank Berhad


12. Bangkok Bank Berhad


13. Bank Islam Malaysia Berhad


14. Bank Muamalat Malaysia Berhad


15. Bank of America Malaysia Berhad


16. Bank of China (Malaysia) Berhad


17. Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad


18. CIMB Bank Berhad


19. CIMB Investment Bank Berhad


20. CIMB Islamic Bank Berhad


21. Citibank Berhad


22. Deutsche Bank (Malaysia) Berhad


23. ECM Libra Investment Bank


24. EON Bank Berhad


25. EONCAP Islamic Bank Berhad


26. Hong Leong Bank Berhad


27. Hong Leong Investment Bank Berhad


28. Hong Leong Islamic Bank Berhad


29. HSBC Amanah Malaysia Berhad


30. HSBC Bank Malaysia Berhad


31. Hwang-DBS Investment Bank Berhad


32. J.P. Morgan Chase Bank Berhad


33. KAF Investment Bank Berhad


34. Kenanga Investment Bank Berhad


35. Kuwait Finance House (Malaysia) Berhad


36. Malayan Banking Berhad


37. Maybank Investment Bank Berhad


38. Maybank Islamic Berhad


39. MIMB Investment Bank Berhad


40. OCBC Bank (Malaysia) Berhad


41. OSK Investment Bank Berhad


42. Public Bank Berhad


43. Public Investment Bank Berhad


44. Public Islamic Bank Berhad


45. RHB Bank Berhad


46. RHB Investment Bank Berhad


47. RHB Islamic Bank Berhad


48. Standard Chartered Bank Malaysia Berhad


49. Standard Chartered Saadiq Berhad


50. The Bank of Nova Scotia Berhad


51. The Royal Bank of Scotland Berhad


52. United Overseas Bank (Malaysia)

So the Forex you doing right now might be skim cepat kaya for the people that setting it up, beware, hehehehehehe.

I just chui sui only la.