AhSiang_Boring_Diary

Malaysian Driving License expires on birthday

2012-01-28T16:35:00.000+08:00

The detail info on the Malaysain Driving License policy that change the expire date to follow birthday.

It is in Malay language:
http://portal.jpj.gov.my/index.php?option=com_docman&task=doc_download&gid=98&Itemid=36

How to Forecast Weather?

2012-01-16T17:06:00.002+08:00

Quick Guide to Baking

2011-12-29T10:31:00.002+08:00

Source: dailyinfographic.com

Pandemic infographic

2011-12-07T09:07:00.000+08:00

Click on the image to see in fullsize.

source: http://dailyinfographic.com

Fastest Crash Test - 120mph (193kmh)

2011-10-27T15:40:00.000+08:00

Usually crash test being carry out at 40mph, but this time someone just putting it at the max - 120mph, which normal family car can reach that speed nowadays.

The video can be disturbing, skip the video if you don't like it.

This condition can apply to everywhere in this world, think about 2 cars driving at opposite direction with each at 60mph (~100kmh only!), that is total of 120mph of head-to-head collision.
So next time when you want to speeding, think twice!

Source: youtube!

Jazz is good for us

2011-09-23T23:35:00.000+08:00

Even cows agree with that. We should listen to Jazz. :D

What happen in Las Vegas, stays at Las Vegas :P

2011-09-12T17:08:00.000+08:00

小赌怡情，大赌伤身
Warning: small bet entertains, big bet destroy your life!

Things you didn’t know people do in Las Vegas infographic created by SlotsofVegas.com © 2011

source: slotofvegas.com

How to write a Prefect Resume

2011-08-24T09:44:00.000+08:00

source: http://dailyinfographic.com/spice-up-your-resume-infographic

The Adventures of a Cardboard Box

2011-08-15T14:38:00.001+08:00

Filmed entirely on a cell phone, this short film relates the adventures a child can find from just a cardboard box and an imagination. Filmed in Bergen, Norway by Temujin Doran.

Source: Laughing Squid and http://www.misscellania.com/miss-cellania/2011/8/13/the-adventures-of-a-cardboard-box.html

Now who is crazy?

2011-06-30T08:13:00.000+08:00

女人最需要的九種安全感

2011-06-28T10:22:00.002+08:00

一個女人的幸福感往往與安全感是聯繫在一起的。所以，一個男人，如果你能讓對方有安全感，那麽你的感情就成功了大半。

很多時候男人們都沒有搞懂一件事情，女人要的就是安全感，所以她才肯跟著你，為你洗衣做飯，一輩子守在你身邊不離不棄。但是，安全感畢竟太虛無飄渺，可能不少男人又會鬱悶 ——我怎麽知道怎麽樣她才有安全感？尤其是現在的都市女性，看了太多的悲歡離合，安全感似乎成為奢侈品。一個女人的幸福感往往與安全感是聯繫在一起的。所以，一個男人，如果你能讓對方有安全感，那麽你的感情就成功了大半。………

1.要懂得尊重女方

不要太多地干涉對方的選擇，最好鼓勵她發展自己的專長，因為每個人都是一樣的，如果做的是自己不喜歡的東西，是不會有激情和幹勁的，你覺得好，未必她認為就是最適合自己的。現代好男人的一條重要標準是，尊重所有的女性，包括僅有一面之緣的人。

2.溫暖的肢體接觸

為何女人都愛挽男人的手？因為這樣親密，讓人感覺踏實。人其實都有身體的接觸欲望，男人女人都一樣。

掌心、懷抱的溫暖，是最令女人印象深刻的，遠比什麽鑽石更能記住一輩子。她一般在想起你時，都多半是想起你的懷抱，所以，不要吝惜擁抱和十指交纏。

3.適時的噓寒問暖

關心體貼每個女人都很受落，但是過分的關心只會讓她不勝其煩。她苦惱的時候你好好充當垃圾桶的角色就可以了。有時女人需要的，只是一個能夠訴說的物件，說完了就釋放出來了，並不一定要求結果。

儘量記住她和你提過的朋友的名字，在她遇到困境時，給予你能想到的最好的建議。

4.讓她的家人朋友都欣賞你

長輩們實在是厲害，眼睛超毒，如果你能贏得她家人、朋友的欣賞，簡直就打通了一半。因為女人通常都很容易被身邊的人影響，有讚賞你的人，在很多事情上你都會得到很多幫助。

5.儘量做到胸襟開闊、寬容忍讓

雖然現在很多男人因為原先在家就是小太陽，事事要求公平，但是，畢竟女人需要哄，所以請不要太意氣用事，如果不是涉及原則，先讓步，只有讓你們的矛盾平和下來，兩人才能冷靜下來，再尋求一個解決方法。

6.善待對方的寵物

女人們都覺得，喜歡小動物的男人心地善良，能照顧好寵物，肯定也會照顧好自己的家人。如果你實在不喜歡小動物，但是你也不要表現得太明顯，可以以婉轉溫和的方式告訴她，你對毛髮過敏之類的理由比較容易被接受。

7.要有運動愛好

有某種運動愛好的男人，較容易找到情緒的出口，你讓她感覺到是和一個心中有熱情的男人在一起，會讓她對生活充滿信心。我想，沒有一個女人喜歡和只愛喝酒發泄的男人整天生活在一起吧。

8.讓她覺得向你傾訴是安全的

如果一個女人能開誠佈公地與你溝通，說明你在她心中是有一定地位的。但是你最好懂得什麽時候該說話，什麽時候該閉嘴。不要害怕表達，可以適當地和她分享你的感受和想法，這樣她會覺得你是站在她這邊的，內心就會更加依靠你。要讓她確信，你不會因為她表達出內心想法而嘲笑她。

9.搞清楚和女性朋友的分界

無論男女，都應該有自己的朋友圈子，但是玩曖昧的男人肯定是讓女人最為痛恨的。如果你對別的女人不好意思拒絕，那麽，遲早她就會毫不可惜地拒絕你。說是虛榮心也好、沒安全感也罷，總之，她們都希望自己的男人能始終出現在自己的視線當中、聽力範圍內。你可以讓她知道你來往的朋友是誰，但是你們可以事先溝通好，大家可以在信任的基礎上互相給對方空間。適當的時候，給點甜蜜的話吧，很多時候，女人就受你這一套。

source: http://loveyears.goaheadgo.com/view/4dff1b3051727

一對小夫妻離婚後的三十天生活

2011-06-28T10:21:00.000+08:00

一對小夫妻離婚後的三十天生活 (看到最後竟然哭)

她是我大學同學，我們談了三年戀愛，在一起又過了三年。

只是有一個問題，離婚之後，在她還沒找到新住所之前，我們還得住一起。

自己想想都覺得搞笑，談戀愛的時候，我們特純潔，雖然彼此之間不止於牽手擁抱，但是同居這樣的事情，壓根沒敢嘗試過。沒想到現在離婚了，倒趕了趟新潮。

一室一廳的房子，兩個不再是夫妻的男女住在一起，特別別扭。

第一個晚上，我拿了一套臥具鋪在沙發上。

第一夜，睡得真舒坦！沒有人在耳邊嘮叨的夜晚，真美！只是，如果我們家的沙發是布沙發就好了，這個木頭沙發讓我在清晨醒來的時候，脖子有點酸。

到了洗手間的門口，聽見里面有嘩啦啦的水聲。這個臭女人，不知道從什麽時候養成的壞習慣，晚上睡覺前洗澡，早上起床後還要洗澡。算了算了，反正也已經習慣了。我順手拉門就進去。我剛掀起馬桶準備方便，沒想到她竟然“哇”地一聲狂叫了起來。

大清早的，也不至於見鬼了啊，叫什麽叫？嚇得我尿都憋了回去。“你沒見我在洗澡嗎？你是不是男人啊？有男人在女人洗澡的時候進來解手的嗎？”她掀開浴簾，一只手用浴巾裹著身體，一只手指著我的鼻子就開始訓斥。

“你叫什麽叫啊？咱們之間不是還隔著浴簾嗎？我能看到你什麽啊？又不是第一次你洗澡的時候我進來解手，至於這麽誇張嗎？再說了，就你那身體，我都看了三年了，閉上眼睛都知道是什麽樣子了，值得我偷窺嗎？”

“你……”她氣得說不出話來。裹著浴巾就跑出浴室，就聽到臥室的門“砰”的一聲。

潑婦！就你這臭脾氣，看以後還有誰敢要你！

解完手，我去臥室，我今天上班要穿的衣服還掛在櫥子里呢。這死女人，竟然將臥室的門給鎖上了。我敲了半天門，里面總算回了一句，我在穿衣服！

算了，反正離婚了，讓讓她吧。

半小時後她才出來，倒是衣著光鮮唇紅膚白。可惜，她臨出門時狠狠瞪了我一眼，破壞了她的形象。因為這半小時，我上班第一次遲到。

下班後，我在大街上胡亂溜達著消磨時間，雖然無聊，但是總比看她那張臉要好。就這樣呆到九點，我在街角吃了碗面，回家。

我進家門，她老人家竟然在客廳里坐著。看見我進來，臉上竟然還帶著微笑。我遲疑地在她面前坐下，天！她竟然給我沏了一杯茶。

她葫蘆里賣什麽藥？我想到了一個詞：笑里藏刀。

“今天呢，我仔細想了一下，咱們現在不是夫妻了，雖然我現在是借你的房子住一個月，但是我想，為了避免這一個月出現不必要的尷尬和誤會，我們還是約法三章比較好。”

說著，她溫柔地拿起一張紙在我面前晃了晃。“你看看，要是沒什麽意見，那麽就簽一個字，咱們一人一份。”

我拿起紙看了看。

第一條：………
在一方使用洗手間的時候，另一方不得以任何借口進入；

第二條，一方不得以任何借口接觸對方的身體；

……

我數了數，大小竟然有二十六條之多。

“沒意見，那麽就請簽字。”她竟然連鋼筆都準備好了。

我本來想沖她發火的，但是想想也沒必要。反正最多也就一個月的時間，忍忍也就過去了。我冷眼看了看她，拿起鋼筆就揮下我的大名。

“對了，作為你簽字的回報，在我們共同生活的期間，我還繼續給你做飯吃。”

有了這個條約，這日子可就真拘束。剛開始那幾天，感覺做什麽都被束縛著。並且，我還繼續在外面晃悠著找地方吃飯。哼，以為做飯給我吃，我就會感恩？美去吧你！

我一個月不吃你的飯，看我會不會餓死！唉，話是這麽說，只是每次晃悠著的時候，聞到別人家的飯菜香，心里也還是十分羨慕。

一個星期相安無事。

一天我進門的時候，她剛好準備出去。

“出去？”我裝著隨口問了聲，其實我不喜歡她這麽晚出去還噴了香水。“是啊，阿鈴說今晚介紹一個朋友給我認識。你看看我今天剛買的衣服，還不錯吧？”她站在鏡子前仔細端詳著自己。

“是啊，是不錯，釣傻帽最適合了。”傻子都聽出我說的不是好話。

“你！”她的臉上又開始浮現厭惡我的表情了。只是，轉而她又假惺惺地淺笑盈盈。

“是啊，反正我現在是單身了，就算是釣傻帽，我也有這個權利啊，總會有珍惜我的人出現的。你也老大不小了，也該考慮考慮自己的幸福了。”她怒目瞪了我一眼。

“那我祝你今晚吊到一個大傻子！要是人家送你一個別墅，也借咱住兩天。”“喲，說話怎麽這麽酸啊？你不會是看我出去吃醋吧？”她哈哈笑了起來。

“走吧走吧，別站那礙我的眼！”我隨手就給她拉開了門。她斜著眼睛瞧著我，走了出去。出門的時候，還對我“哼”了一下。我“砰”地關上了門。

沒有礙眼的人在了，我開始上網找妹妹聊天。前天我從購買了一套媲西伊遮斯，那個東東專門防止屏幕監控、鍵盤鼠標記錄，防止聊天記錄被偷看等，有了那個東東安心多了。上網總算沒有人管了，呵呵。

只是心里怎麽這麽煩呢？難道我真吃醋了嗎？哈哈，我開始笑我自己，怎麽這麽胡想？可是我主動提出離婚的啊！

大概過了兩個小時，她就回來了。而且，在我面前走過的時候，我看到了她臉色很差。她直接回臥室睡覺了，竟然連澡都沒出來洗。

她心情不好地回來，我竟然心情好了。嘿嘿，活該你出去，我也樂顛顛地睡下來。

半夜，我被她的一聲尖叫嚇醒。剛想起來看看什麽情況，就見她穿著睡衣沖了出來，跳到沙發上摟著我的脖子直發抖。“怎麽了？”我拍拍她的背問。“蟑螂……”她一說這兩個字我就明白了。

這個女人雖然對我很兇悍，但是天生害怕小動物，什麽蟑螂、老鼠、貓、狗等等，每出現一次她都尖叫半天，害我一直想弄一個小狗回來養養都不成。

“乖，別怕。”我像往常一樣安慰她，進房間給她消滅去。房間里四下找了半天，沒發現蟑螂的影子，只得回來。

我一坐上沙發，她又將我的脖子摟住。“打死了嗎？”她臉上被嚇出眼淚，不過在夜晚黯淡的光線下，卻有梨花帶雨一枝春的感覺。“好了，被我打死了。別怕，你回去睡覺吧，明天大家都上班呢。”

我騙了她。因為我知道我不說打死而說沒找到的話，肯定會被她逼著再找下去。那麽我的覺也算是不要指望睡了。“我害怕，我不回去睡。”

“你忘記我們離婚了。而且，你也破壞了我們的約法三章中的第二條。你首先接觸我的身體了。”我語氣冷淡，哼，叫你晚上出去釣傻子，看到蟑螂才想起我。

她聽到我這話，呆了一下，咬著嘴唇說了聲“對不起”後，跑回了房間。又是“砰”地一聲關門聲。

我呆坐半晌，突然給自己一個大嘴巴。

我睡在沙發上，但是一點困意都沒有。隱約中，房間里傳來她哭泣的聲音。進去還是不進去？我有點猶豫，我又給自己一個大嘴巴，是男人就進去！

我打開房間的門，看到她伏在被子里哭。我坐到床邊，拉開被子，輕聲地問她怎麽了？說實話，我看到她滿臉的淚水，心里真是好心疼。

“你進來做什麽？我們不是離婚了嗎？我不希罕你來關心我！給我出去，出去！”她沖我歇斯底里地叫，拿起枕頭砸我。“對不起，剛才是我說錯話了，原諒我好嗎？”

我不管她到底是因為什麽，我還是堅持將她抱在懷里，輕輕吻她臉上的淚。她不再對我咆哮了，用力抱著我的脖子，開始沒完沒了地哭。

終於，她一邊哭一邊說今晚因為什麽而不開心了。原來，她那個破姐妹阿鈴給她介紹的人竟然是一個臺灣老頭子，坐下來沒多久就開始動手動腳。阿鈴竟然還勸她，反正你是離過婚的人了，將就著跟了這個老頭子算了。

“我離婚了，是不是就比別人矮一截？我們為什麽要離婚？”她一邊哭著問我，一邊掐著我的脖子。

我沒有辦法回答她的問題，因為我自己也不知道答案。雖然脖子被她掐得好痛，但是掐就掐吧，反正又掐不死我，以後不住一起了，想被她掐都沒機會了。

終於我們都累了，彼此沈沈睡去。

醒來的時候，太陽已經出來了。我還抱著她，她還摟著我的脖子。

我不敢動，怕自己驚了她的夢，好像已經很多年沒有這樣的感覺了。兩個人在一起時間越久，清晨醒來就越沒有感覺。

想想從前的日子，我們幾乎都是在匆忙中醒來，一邊彼此抱怨著對方，一邊收拾東西趕著上班。我們之間，為什麽會走到今天這一步？到底因為什麽？

她也醒了。

醒來後，她忽然意識到什麽，松開了抱我脖子的手，臉上有一抹羞澀，“早！”

我也慌忙松開抱她的手，趕忙下床。

“昨夜……”

“昨夜沒什麽，快起來洗漱吧，要不上班快遲到了。”

有了這一晚之後，我感覺我們的關系也發生了微妙的變化。下班的時候，我在路邊看到有賣海棠糕的，想起這是她家鄉的特產，隨手就買了點。只是買完之後，我不知道自己是現在就回家，還是像從前一樣晃悠著消磨時間。

“先生啊，這個東西新鮮的時候最好吃，時間長了，就不好吃了。”找錢時，小販特地關照我。

我硬著頭皮回到了家，她在做飯。

“嗯……嗯，我給你買了海棠糕。下班時候，剛好看到的。”我對著在廚房里忙碌的她支支吾吾地解釋著。

她很開心地走了出來，拿起一塊就吃了起來。“去洗手吧，飯菜都好了。”

面對桌子上的飯菜，我心里酸酸的。

數數日子，我在外面混飯吃已經有二十多天了。她做的菜，真香。

“吃吧。”

我拿起了碗筷。

……

“慢慢吃，別噎著。來，喝碗湯。”她給我盛了一碗湯。

“這個菜挺新鮮的，吃一塊。”她給我夾了一筷子。

“你最近瘦得很厲害，以後別在外面吃了，又貴又沒營養，還是回家來吃吧。”

……

吃完了飯，我搶著收拾。

“算了，結婚這麽久了，也沒見你收拾過，還是我來吧。”

“我……”

“沒事，我也收拾習慣了。你去看電視吧，我一會就收拾好了。”

我給自己沏了一杯茶，又給她沏了一杯。

她洗刷完畢，在我身邊坐了下來。我趕緊將沏好的水端了過去。

“你想看什麽節目？”我拿著遙控器問她。

“你今天怎麽這麽客氣啊？客氣得我都不習慣了。”她咯咯地笑了起來。

我不好意思地摸摸我的頭。“我以前，很壞嗎？”

“壞？沒人說你壞啊，只是你比較懶罷了。現在咱們都離婚了，你卻忘了自己的衣服要自己洗。你也不想想，每天的幹凈衣服，是誰給你洗的？以後，自己要學會照顧自己啊！”

“離婚……是的，我們離婚了。”我默然不再言語。

她也陷入沈默。

那晚，我們坐在一起看了三個小時的電視，沒有說話，沒有換臺，只是我不記得自己看了什麽。

三十天的時間很快就到了。這天，她吃完飯告訴我，她已經找好房子，等星期天就可以搬家了。我的心立即變得很空很空。

星期六很快就來了，我坐在沙發上看她來來去去地收拾東西。

屋內顯得很亂，但感覺空氣是靜止的。我們都沒有說話。她會留下什麽？我心里突然很想知道。但是，我沒問。

“你慢慢收拾，我出去走走。”沒等她回答，我就走出了門。

屋外的天空很藍，多像三年前放風箏的那天啊。屋外的陽光很輕，三年前是否同樣溫暖過我們呢？屋外的情侶很多，我們也這樣甜蜜地走過三年……

“媽媽，叔叔在哭。”身邊的一個小孩子叫了起來。

我擦了擦眼睛，勉強一個笑容出來，“叔叔是被沙子迷進眼了。”

我對自己笑了笑，找了一個方向隨便走了下去。

一直到傍晚，我還在外面閑逛。

手機響了，是她的短信：“飯菜已做好，我們最後吃一次飯吧。”

我馬上跑回家里。

房間里沒有開燈。她在餐桌上點了蠟燭，菜很豐盛，還有一瓶紅酒。

她穿的是結婚時我給她買的一條黑色蕾絲裙子。

“我們結婚三年了，都沒在一起喝過酒。過了今晚我就走了，我們喝一次好嗎？”她一邊給我倒酒一邊說。“幹。”我舉起了杯子。

我們沒有再多說什麽，還能說什麽呢？再多的話都改變不了明天的結局。算了，不要去想了，喝酒吃菜。最好是喝醉了，等我醒來的時候，她已經離開了。她離開，不是我一直期望的嗎？我不是一直討厭這個啰嗦的臭女人嗎？我應該高興啊！

以後看球賽不管多晚都不會有人在我身邊訓斥我，叫我去睡覺了，多爽啊！我不洗腳就上床也沒有人嫌我臟了，多美啊！我沒有理由不開心啊！只是，為什麽這酒喝在嘴里是苦澀的？

“你的衣服我都整理好放在櫥子里了，內衣和襪子在床下面抽屜里，你的胃不好，以後要是一定要熬夜，記得給自己搞點東西吃。冰箱里我買了一些食品，你自己要慢慢學會做飯，不要總在外面吃。吃飯也要註意營養，別總是湊合。咱們的存折我放在床頭櫃里了，上面還有三萬多塊錢。咱們家每個月的電話費、煤氣、水電費都在街角的銀行交，就是這個卡，你收好，別到時候找不到。

這個月給你父母匯的錢我也已經匯出去了，以後你要記得按時給他們匯錢，沒事多打電話回家，爸媽都挺惦記你的。我今天給他們打了電話了，爸說手機壞了，我在還特好商城幫他買了新的手機快遞回去了。爸爸最近腿上的風濕有點厲害，上次我們給他買的藥恐怕快吃完了，這個是藥名和地址，你明天記得買一些也快遞回去。

我沒告訴他們我們已經離婚了，你以後有機會想好了再和他們說。不管你爸爸說你什麽，記得不要讓他生氣。這是我給爸媽買的毛衣，你明天一起遞回去吧。”

她在一樣一樣地交待著，我希望我自己每件都能記得，但是又希望我什麽都不要記得。我突然感覺自己很白癡。我在這個家里生活了三年，但是現在我卻感到非常陌生。我開始害怕，我不知道我一個人是否有能力生活下去。

“這是咱們結婚的時候，媽給我的戒指。這個是你們傳家的東西，我不帶走了，請向媽媽說句對不起。”一枚碧綠色的翡翠戒指放在我的面前，它的光好強，讓我的眼睛開始刺痛。“我帶走的東西是按照我們離婚時候協商好的。”

她站了起來，四下看了看，笑了笑說，“你有什麽不明白的要問嗎？”

我還有什麽不明白的要問呢？我什麽都不知道，我只知道在我最想她留下來的時候，她卻要走了。她一直說我不像個男人，我一直覺得這是她對我的侮辱。我現在終於明白，我的確不是一個男人，我像一個孩子一樣肆意揮霍著她給我的幸福和安定。

“要是你沒有事情要問的話，我們休息吧。今晚你睡房間我睡沙發。明天一早搬家公司的人就來搬家了，我在這多住了一個月，夠麻煩你了，明早你在房間里睡，可以少打攪點。”

我不知道自己到底該怎麽做，只是木然地對她點了點頭，走進了房間，關上了門。

我看了一夜的天花板。

清晨的陽光照了進來。

我聽到敲門聲，我聽到搬東西聲，我聽到她叫工人“輕點”。只是，我聽不到自己的心跳聲。

她敲了敲門，我沒動。

“我走了，以後自己照顧自己。”她沒有進來，隔著門聲音低低地說。

我聽到了關門聲。

我沒有再聽到任何聲音。

為什麽我們要離婚？為什麽我們要離婚？

“有空記得回來玩啊！”我聽到鄰居的聲音。

你還是不是男人？一個聲音在我心里對我吼。

你是男人，你現在去追她回來，還來得及！

我翻身下床，跑到窗邊對著下面喊道：“等一下，先別走！”

我沖下了樓，我要做一個男人！

她站在車邊，微笑地看著我，半晌輕輕地說：“謝謝你下來送我。”她的眼角有淚。

“你走了，我怎麽辦？”我抓住她的胳膊問她。

“我們已經離婚了。”

“我現在不要你走，我不能沒有你。”我對著自己吼，對著她苦苦哀求。

“離婚是你提的。”

“我知道自己錯了，求你原諒我一次，好不好？我求你了！”

“你是男人，怎麽可以在這麽多人面前哭？”她用手給我擦眼淚，她的手指好冷。

“只要你回來，我不要做男人！”

“我們在一起前後六年了，結婚後你就沒再關心過我，沒問過我要什麽，沒問過我想什麽。我對你說話，你覺得嘮叨；我要你安心家庭，你說我生活沒有情趣。你知道嗎？我和你生活三年，我也很累。我是愛你，但是你知道嗎，這份愛我維持得好辛苦！”

“對不起，再給我一次機會，讓我們重新來過，好不好？我錯過了很多，我不想再繼續錯下去。你是愛我的，愛我就不要走，好不好？”我心里好痛，為什麽到最後我才說出這樣的話？

“我們離婚了。你要我回來，除非你現在再次向我求婚。”她的臉上有一種奇異的神情。

“好，我求婚。我求你再次嫁給我！”我單腿跪下，向她第二次求婚。

“求婚要有玫瑰，要有戒指，你有嗎？”

玫瑰！戒指！天啊，我現在到哪里找？

“我們家二丫頭昨晚剛收到一束玫瑰，傻小子你快去拿。”鄰居大爺沖我直叫。我又想起那個家傳的翡翠戒指！

我沖上了樓，闖進鄰居家，拿了那束玫瑰就出來。我回到自己的家，可是我卻怎麽也找不到那枚翡翠戒指！

為什麽？為什麽上天要如此刁難我？戒指，你到底在哪里？

我在慌忙地四處翻找，她上了樓。在她的身後，跟著一大幫看熱鬧的鄰居。

我一把抓住了她，將玫瑰塞進她的懷里，“我找不到戒指，求你先答應我好不好？”

她噗哧一聲笑了出來，從包里拿出一個黑色的絲絨盒子。慢慢打開，一枚閃爍溫潤光亮的翡翠戒指端立在那里。

“對不起，我好像多拿走一樣東西。”她撲到我的懷抱里笑了起來。

得不到的永遠是最美好的

可是,

親愛的,

如果得到,擁有

會知足嗎?

做好手中事

珍惜眼前人!

source: http://loveyears.goaheadgo.com/view/4e057d3d562b8

Travel Left Handed Facts and Statistics

2011-06-07T06:12:00.000+08:00

source: http://dailyinfographic.com

Get famous with YouTube

2011-05-11T10:20:00.002+08:00

How to become famous quick? Use YouTube.

This girl from Taiwan post a video of herself and become famous instantly!

Understand the Goal

2011-05-07T06:14:00.003+08:00

While it is true to have a goal, we shouldn't follow it blindly.

Never give up

2011-05-04T07:37:00.001+08:00

Never give up before reach our goal.

Stay tough

2011-04-28T12:43:00.000+08:00

Life is tough, but as long as we stay tough, even we are smaller and weaker, we still can win at end of day!

Team work

2011-04-27T18:01:00.000+08:00

This is call "TEAM WORK"!

Singing Nursery Rhymes in different way

2011-04-27T11:13:00.001+08:00

Time to sing nursery rhymes with different way!

See also Sesame street theme song that being sing differently:
http://outdatedpenanguncle.blogspot.com/2010/08/sesame-street-song.html

Source: http://www.dailymotion.com/video/xidvgk_edward-reid-sings-nursery-rhymes-to-run-backing-track-britains-got-talent_music#from=embed

Bubble time!

2011-04-22T09:28:00.001+08:00

So cute!

生活小窍门居家必备

2011-04-12T13:16:00.002+08:00

1.吃了辣的东西，感觉就要被辣死了，就往嘴里放上少许盐，含一下，吐掉，漱下口，就不辣了；

2.牙齿黄，可以把花生嚼碎后含在嘴里，并刷牙三分钟，很有效；

3.若有小面积皮肤损伤或者烧伤、烫伤，抹上少许牙膏，可立即止血止痛；

4.经常装茶的杯子里面留下难看的茶渍，用牙膏洗之，非常干净；

5.仰头点眼药水时微微张嘴，这样眼睛就不会乱眨了；

6.嘴里有溃疡，就用维生素C贴在溃疡处，等它溶化后溃疡基本就好了；

7.眼睛进了小灰尘，闭上眼睛用力咳嗽几下，灰尘就会自己出来；

8.洗完脸后，用手指沾些细盐在鼻头两侧轻轻按摩，然后再用清水冲洗，黑头和粉刺就会清除干净，毛细孔也会变小；

9.刚刚被蚊子咬完时，涂上肥皂就不会痒了；

10.如果嗓子、牙龈发炎了，在晚上把西瓜切成小块，沾着盐吃，记得一定要是晚上，当时症状就会减轻，第二天就好了；

11.吹风机对着标签吹，等吹到商标的胶热了，就可以很容易的把标签撕下来；

12.旅行带衣服时如果怕压起褶皱，可以把每件衣服都卷成卷；

13.打打嗝时就喝点醋，立杆见影；

14.吃了有异味的东西，如大蒜、臭豆腐，吃几颗花生米就好了；

15.治疗咳嗽，特别是干咳，晚上睡觉前，用纯芝麻香油煎鸡蛋，油放稍多些，什么调味料都不要放，趁热吃过就去睡觉，连吃几天效果很明显；

16.手腕长粗的MM想带较细的手镯，就不能硬带，应把手上套上一个塑料袋再带上手镯，非常好带，也不会把手弄疼，取下也是同样的方法；

17.栗子皮难剥，先把外壳剥掉，再把它放进微波炉转一下，拿出后趁热一搓，皮就掉了；

18.插花时，在水里滴上一滴洗洁精，可以维持好几天；

19.把核桃放进锅里蒸十分钟，取出放在凉水里再砸开，就能取出完整的桃核仁了；

20.把虾仁放进碗里，加一点精盐、食用碱粉，用手抓搓一会儿后用清水浸泡，然后再用清水冲洗，即能使炒出的虾仁透明如水晶，爽嫩可口；

21.炒肉时，先把肉用小苏打水浸泡十几分钟，倒掉水，再入味，炒出来会很嫩滑；

22.将残茶叶浸入水中数天后，浇在植物根部，可促进植物生长；

23.把残茶叶晒干，放到厕所或者沟渠里燃熏，可消除恶臭，具有驱除蚊子苍蝇的功能；

24.夹生饭重煮法：可用筷子在饭内扎些直通锅底的孔，洒入少许黄酒重焖，

25.若只表面夹生，只要将表层翻到中间再焖即可；

26.巧除纱窗油腻：将洗衣服、吸烟剩下的烟头一起放在水里，待溶解后，拿来擦玻璃窗、纱窗，效果真不错；

27.只要在珠宝盒中放上一节小小的粉笔，即可让首饰常保光泽；

28.桌子、瓶子表面的不干胶痕迹用风油精可以擦拭；

29.出门时随时在包里带一节小的干电池，若裙子带静电，就把电池的正极在裙子上面擦几下即可去掉静电；

30.不管是鞋子的哪个地方磨到了你的脚，你就在鞋子磨脚的地方涂一点点白酒，保证就不磨脚了；

31.亨调蔬菜时，如果必须要焯，焯好菜的水最好尽量利用。如做水饺的菜，焯好的水可适量放在肉馅里，这样既保证营养，又使水饺馅味美有汤；

32.夏天足部容易出汗，每天用淡盐水泡脚可有效应对汗脚；

33.夏天游泳后晒晒太阳，可防肌肤劳损等疾病发生；

34.夏天枕头易受潮滋生霉菌，时常曝晒枕芯有利健康；

35.多吃薏米小豆粥等潮湿健脾，可防暑湿；

36.防失眠：睡前少讲太多话，忌饮浓茶，睡前勿大用脑，可用热水加醋洗脚；

37.金银花有疏散风湿功效，金银花水煎取汁凉后与蜂蜜冲调可解暑；

38.吃过于肥腻的食物后喝茶，能刺激自律神经，促进脂肪代谢；

39.睡眠不足会变笨，一天需要睡眠八小时，有午睡习惯可延缓衰老；

40.双手易变得干燥粗糙，用醋泡手十分钟可护肤；

41.夏天擦拭凉席，用滴加了花露水的清水擦拭凉席，可使凉席保持清爽洁净。当然，擦拭时最好沿着凉席纹路进行，以便花露水渗透到凉席的纹路缝隙，这样清凉舒适的感觉会更持久；

42.早餐多食西红柿、柠檬酸等酸性蔬菜和水果，有益于养肝；

43.爽身止痒洗头或洗澡时，在水中加五六滴花露水，能起到很好的清凉除菌、祛痱止痒作用；

44.葡萄含有睡眠辅助激素，常食有助睡眠；

45.夏天多喝番茄汤既可获得养料，又能补充水分，番茄汤应烧好并冷却后再喝，所含番茄红素有一定的抗前列腺癌和保护心肌的功效，最适合于男子；吃酸性物质马上刷牙会损害牙齿健康；

46.因外伤碰破皮肉时，在伤处涂上牙膏进行消炎、止血，再包扎，作为临时急救药，以药物牙膏效果最为显著；

47.将白醋喷洒在菜板上，放上半小时后再洗，不但能杀菌，还能除味；

48.喝酸奶能解酒后烦躁，酸奶能保护胃黏膜、延缓酒精吸收，并且含钙丰富，对缓解酒后烦躁尤其有效；

49.皮鞋包皮放久了发霉时，可用软布蘸酒精加水（1：1）溶液擦拭即可；

source: internet

伟大的母爱

2011-04-05T18:44:00.000+08:00

伟大的母爱

Japanese dog refuses to leave injured friend behind

2011-03-17T14:01:00.000+08:00

A good friend indeed.

Very sleepy

2011-03-16T10:17:00.000+08:00

Cute boy and dog.

source: youtube

Typical person of the world

2011-03-04T10:52:00.001+08:00

Fun fact about typical person of the world

Source: youtube

Save PBS

2011-02-24T09:13:00.002+08:00

Even though I am not US citizen, and not living in American, I watched Sesame Street during my childhood and my English is much better than my fellow childhood friends who don't watch Sesame Street.

SAVE PBS!

Support the effort fellow American!
www.170millionamericans.org

Picture source: blameitonthevoices.com

Bill Gates vs Ingvar Kamprad

2011-02-24T08:57:00.000+08:00

Bill Gates vs Ingvar Kamprad
or Microsoft vs IKEA

Source: blameitonthevoices.com

Drink water at right time

2011-02-22T08:24:00.002+08:00

One (1) glass of water : 30 minutes before meal - Help digestion
One (1) glass of water : Before taking a bath - Helps lower blood pressure
One (1) glass of water : Before sleep - To avoid stroke or heart attack

Super telented kids playing Santana's song

2011-02-16T08:35:00.000+08:00

My guitar skill is 1/1 billion of his one :P

Cheah Cheng Hye: Value Investing

2011-01-27T18:54:00.000+08:00

This guy managing over 6 billion dolar fund at Hong Kong, investing in China and East Asia and South East Asia.

video platform video management video solutions video player

source: goodstockbadstock.blogspot.com

Father-Daughter Duo!

2011-01-21T12:43:00.000+08:00

The girl is very cute!

ADV: Wow! Not only do I get to drink my #MiloFuzeJamPack but Macbook Air as a grand prize? Check it out now!

2011-01-18T09:01:00.001+08:00

What Milo got to do with Apple? new flavour? :P
Wow! Not only do I get to drink my #MiloFuzeJamPack but Macbook Air as a grand prize? Check it out now!

Fight back

2011-01-12T08:37:00.000+08:00

Don't worry about your size or suspect your ability. When someone is bully you, you have to fight back when necessary. See the cat, it fight back and the bear cub have to run away.

连锁加盟骗局

2011-01-07T11:24:00.003+08:00

转载自中国网页

希望你能看完，如果你正想创业，
看了之后会有所帮助的！
千万不要再有人上当了！

在当今的中国，各形各色的骗局可以说是五花八门，数不胜数！抛开一些小的街头骗局，大型的骗术就有传销骗局，短信中奖骗局，信用卡中奖骗局，连锁加盟骗局等等！

　　　　如果我要是问你这些骗局中哪种最可怕，最暴力，最可耻，最害人，最有诱惑力？相信大多数人会回答是传销或中奖骗局。因为前者有着严密的组织，可怕的洗脑，一夜暴富的诱惑!后者利用人性的贪婪和愚昧！的确是两种高明的手段，能够设想出这两种方法的创始人甚至可以说是天才！

　　　　但是我想告诉大家当今中国最可怕的骗局是各形各色的连锁加盟骗局！之所以说它是最可怕的是因为它不但具有前两种骗局的本质，它还拥有前两者所不具备的无敌的，可怕的，得天独厚的优势——合法！
　　　　
本人是一家服装连锁加盟品牌的高级招商主管，鉴于目前仍然在职，所以不能以真实身份透漏（说的严重些可能会有生命危险）。我今天想把我的亲身经历公布于众，我虽然不知道有没有用，但我愿尽全力来唤醒广大网友的帮助--救救那些可怜的加盟商（或准备加盟者）吧！至于动机我会在后面提到的！如果你已经看到现在那么
请你坚持把它看完！我在此向您真诚的恳求！

我是河北人，2001年毕业于北京的一所民办高校。，学的是营销。家里的条件很不好，父母都是下岗工人，真的希望能够在北京站住脚，把父母接过来享享福！毕业后才发现想在北京立住脚真的很难！在三年的时间里我换了四份工作。不是我喜欢换工作，也不是我工作不努力。

　　　　我工作一向很拼命，做事又灵活擅于找方法，以便做到事半功倍的效果！可是要么公司无法使我获得可以立足京城的薪水！要么就是公司不公平，总之总有一种怀才不遇的感觉！现在回想起来，还是自己当时太年轻，个性太强了！

　　　　 2004年的九月一个偶然的机会我在报纸上看到了我现在就职的这家公司。我被它那挑战高薪的招聘条款所吸引，加上我本身好强，自信的性格！我递了求职信，第二天参加了面试！

　　　　在面试的过程中我表现了相当的自信和良好的口才，面试结束后我的面试官（一位优雅的中年女士,后来知道是我们公司的副总)对我说：你的口才很好，公司处在发展之中，很需要你这种人才！我当时很感飘飘然！随后她向我介绍我的工作职责。

　　　　她说公司的品牌服装是从某国引进的，生产基地是在广东，北京是招商中心。我的职责就是给有意向加盟的顾客打电话，邀请他们来京加盟！这工作并不难，前两天只是听听周围的同事们怎样和顾客电话沟通，熟悉了之后再自己打!我们的薪水是底薪加提成！底薪并不高，收入大半靠提成！每招来一位顾客来经考察有一定的提成，来京的顾客有招商主管接待，谈成了我还有一笔较高的提成！所有新员工都是从普通的话务员做起！就这样我开始了一段难忘的生涯！

　　　　我们的办公地点是一座位于繁华地段的商业写字楼，五间办公室。一间话务室，一间接待室（内隔为八小间，每间全封闭，环境幽雅，密闭吸音，可同时由八位主管在此接待来访者），一间财务室，一间总经理办公室，还有一间是我们的样板示范店（供顾客参观）！我们话务室当初只有十几个人（现在已经有近五十人），每人一张办公桌，一台电脑（可上网），一部电话机！

　　　　我被领到了我的办公桌前，副总叫我听一会适应一下，就走了！周围的人没人搭理我，都在不停的打着电话！起初我想找人打听一下工作的注意事项，想一想还是忍住了！我用心的听了一会，这份工作真的不是太难！
　　　　首先，公司在各大招商网站都发布了招商信息，吸引顾客留下联系方式!我们公司从各网站那里拿回顾客的资料（花钱的），再分发给我们。我们只要照着联系方式打过去，向顾客介绍我们的服装品牌怎样好，加盟的细节啊等等，最后邀请顾客来京进行实地考察！难点在于怎样能够通过语言打动顾客！

再听了周围同事打了一天电话之后我大体上明白了整个流程，只是关于公司的一些细节不太懂，我整理了大概十条：公司的历史，品牌的历史，已加盟店面的数量，分布情况，如何回答顾客提出的一些刁难性问题等等！下班后我拿着这些问题去找副总（以下简称韩总）！韩总听了我提出的问题，微微笑笑，没有正面回答，只是问我：你想不想拿高薪？我回答当然想！于是她递给我一本招商画册：晚上回去，把这个看熟，顾客问的时候照答就是！其它的以后工作中慢慢体会！

　　　　我带着满腔的疑惑回到我的出租屋，仔细的看完了画册！上面说我们的公司已经成立了三年多，现在代理的这个品牌在国外已经有几十年的运作经历！服装的款式怎样新颖，材质怎样好，加盟有巨大的利润空间，在国内的很多电视台都有我们的广告......等等。加盟的方式是收取3万元的加盟费（法律规定不退的），首批货款3万元（首批货是不允许顾客自己挑选的，只能是由公司配给，公司的说法是要了解当地的市场。如果顾客卖不动可以全部返还公司调换）！如果卖得好公司年底会奖励多少多少钱！

　　　　说实话，当时看完画册连我都心动了，要是有钱的话，我都想回家开一家！我觉得这个项目真的很不错！我想我找到了一份很适合我的工作！我一定能够这里实现我的自我价值！下定了决心后，我连夜找了一间网吧想查多一点公司的资料，以及竞争对手的资料！想干好一份工作必须要做好充分的准备，就像打仗一样，知己知彼方能百战百胜！

当我在百度输入公司的名称后，一下查出了几千条的相关资讯，我点开了钱几十条到多数都是各招商网站的信息以及公司的主页。不看不知道，一看招商网我才真是吓了一跳！举个例子来说就只一家U88招商网就有近万家公司在招商。总类真可谓是五花八门，有服装，饮食，首饰，小商品，甚至连赌术都有！只要你能够想到的人们需要的包罗万有！我点看了其中一些，都是在介绍自己怎样好，怎样赚钱，怎样无风险！
看多了，我的疑惑就产生了！这些连锁加盟品牌所用的方式方法和我们公司都是差不多，细节上可能有些出入（有的是不收加盟费，但有别的费用比如说保证金啊，权益金等）本质上却都是一致的--给顾客一种感觉“你加入了肯定挣钱”！这些会不会是骗子啊？

　　　　这个念头出现在我的脑海里！我不由自主的在公司的名称后面加上“骗子”两个字，再一次的点击搜索。这次又搜出了近千条的链接。我看了很多，大多数是介绍我们公司是一个皮包公司，目的就是骗取加盟商的加盟费！有一些介绍的相当详细。还有一些是已经加盟的顾客讲述上当的经过，想讨回一个公道！

　　　　看完之后，我心里已经明白了公司的性质，但是我不愿意相信！我想：这是不是竞争对手的恶意中伤呢?我又点看了一些其它公司(包括服装之外的一些）。当我在这些公司的后面加上“骗子”进行搜索后，无一例外的搜出了大量的链接！再看了一个通宵之后，我彻底的明白了“连锁加盟”这类公司是多么的丑恶（此时我还不明白这些公司的具体操作步骤）！

　　　　我不知道自己是怎么走出网吧的，心里充满了失落的情绪！看看上班的时间快到了，我却不想去了！然而想到我昨天已经把身份证，毕业证等的复印件交到了公司，我还是要去一次，把那些要回来！来到公司，我就韩总叫住。她又叫过来一个中年男士，姓王，向我介绍说是我们公司的高级主管。让我以后在工作中有什么不懂的地方向他请教！

　　　　由于心里正想着怎么开口说辞职，我有些心不在焉的敷衍了一声！可能是看出我情绪不高，王主管拍了一下我的肩膀，说：小伙子，精神点！来，我带你去参观一下我们的样板示范店！我想：反正今天也没什么事，就在公司在呆一天！看看到底是怎么回事吧！就这样我随他去了样板间。

　　　　这是我第一次来样板间，进门的第一感觉是真的很漂亮，很有品味和档次！各式服装分类明晰，层次分明，色彩搭配很有视觉冲击力！无论这样一个店放在任何的市县，只要有一个不是太差的铺位，相信都会顾客盈门！只可惜我通过在网上的了解知道，在这里吸引眼球的那些漂亮服装在顾客加盟以后都是拿不到货的（至于为什么拿不到我当时并不知道）！

　　　　在样板间，正好碰上公司的售后（后来知道那就是一群痞子）来送新样品，是一批款式很新颖的服装。王主管招呼我帮忙，将这些新样品挂了上去，替下了一些老款的样式！在整理的过程中，我摸了摸一些衣服的质地，都很不错！翻看了一下衣服的标识，也都是公司的牌子！这是怎么回事呢？既然我们公司有这些货为何加盟商说拿不到货呢？难道真的是竞争对手的打击？之所以当时我会有这么多的疑问，其实都是因为在此之前我对服装行业一点也不懂！

　　　　恰好此时售后的人拿出一张交收单交给王主管！随后售后的人就走了。而王主管和我则继续整理样板间，这时我很想把心底的疑惑向他问个清楚，又不知如何开口。而王主管却和我亲切的聊起了家常。问了我很多问题，哪里人，来北京几年了，以前干什么的等等（和查户口差不多）！通过聊天发现我俩竟然是老乡，这样一来顿时感觉亲近了几分！

　　　　这时为了弄清楚我心里的问题，我表现出对这份工作很有兴趣，请他多关照！并提出中午想请他吃顿饭！他一口答应了！快整理完样品间的时候，我无意中看到了王主管随手放到地台上的那张交接单。上面写着衣服的型号.颜色.标码.价格。价位一般是150至300元不等！我弄不清楚这是供货的价格还是零售的价格？没关系，中午的时候我会一并问他！

　　　　从样板间回到话务室，王主管告诉我今天仍然不用我打电话，继续听其他同事打！这回再听的时候，我用了心去观察每一个人.我发现每一个同事在跟顾客交流时都有一套自己的东西。有的跟顾客套感情，有的装专业，有的甚至威胁顾客（告诉顾客如果在不尽快来京考察就没有名额了），还有的竟然自称是公司副总（称可以给顾客优惠的加盟条件）！

　　　　这才真是八仙过海，称之为群魔乱舞可能更确切些！试想一个正规的品牌哪会让招商者如此信口开河呢？我听得都快忍不住发笑了！到了此时，我就算不问王主管也知道这家公司不怎么地道了！但是好奇心还是驱使我在中午时和王主管来到了公司附近的一家餐馆（我想弄清楚一些细节）。

　　　　饭桌上我问他能喝酒吗？他平时不可以，但今天是我第一天正式加入公司，破例可以喝，但不能过量！就这样我们每人喝了三瓶啤酒！看得出来他酒量并不大，三瓶下肚已经有些晕了！这时看时机差不多了，我给他敬了一支烟。再次表达了我对这份工作的“期待”，又对他进行了一番恭维，然后向他讨教工作“心得”！一小时后我已经弄清了我想知道的所有问题！

我们公司说白了就是一家典型的皮包公司！但是却是经过合法注册的！法人代表姓朱（其实朱只是一个退休多年的老头），公司真正的老板就是前面提到的韩副总！公司根本就没有生产厂家，所谓的品牌也是凭空捏造出来的（也经过合法注册）！在样板间里那些打眼的衣服是我们公司从各个名牌服饰里购回来吸引顾客的！

上边的商标是我们公司送到广东，浙江的一些工厂里撕掉原来的标签后把我们的商标在贴上去！至于顾客加盟后我们发给他们的货是从大红门，动物园等服装批发地淘来的积压货，顾客如果想换货，换的还是那些积压货（这些衣服也是公司重新贴过标签的）！价格却涨了不止三倍！试想一下，加盟商拿到的货姑且不论样式多么老，质地多么差，光是他们的拿货价就已经高于市场的零售价了！怎么还能挣钱，怎么还能不倒闭呢？

　　　　以上这些是王主管对我说的“肺腑之言”（他原话不是这么说的，还是很说的比较“艺术”的，我在这里给他直白的翻译一下）！接下来他又向我传授了一些“工作技巧”。比如说有的顾客在考察时想看我们的实体店，而我们在北京是不让人加盟的（如果北京有店，顾客去了一问我们就露馅了），这是我们就要告诉顾客自北京开店投入太大，房租太贵，面积有严格要求（少于一百平不行），等等！

　　　　其它理由也行主要就是要顾客看不到！顾客要是想看别的地方的店，也要想尽一切办法推脱！看工厂就说在浙江，顾客要是提出去考察，就说工厂不对外开放，不让参观！如果顾客就是要看实体店，那么要分析这个顾客是否真的会加盟，如果希望不大，干脆赶走！如果是很想加盟的就给他一两个地址让他去（这些地址的店是还没有倒闭的，公司会事先和当地打好招呼让他们说好话，承诺如果他们促成了这个意向顾客会给他们一定好处，当地的加盟商本来就在苦苦支撑，往往会同意!这就是为虎作伥！）

　　　　除此之外顾客的其它要求都会尽量满足！目的就一个——让他们交钱！（可以优惠，可以许诺全程指导等等）最后，王主管对我说：这行别的不难，机灵点，会说点就行。难的是刚开始时的心理压力（就是良心问题）！他告诉我他刚进入这行的时候，也不想干，后来想通了就好了。这个社会就这样想生活的好一点，就不能讲良心!弱肉强食，适者生存是不可改变的法则！

　　　　下午上班的时间到了，我又回到了话务室！当时我并没有把王主管的话当回事，我已经决定明天就不再来了！我只是想在这个下午再欣赏一下这些小丑们的表演！可是我万万没有想到我的人生在这个下午将被改变，我也变成了一个小丑！！

　　　　到了下午五点，就在快下班时（我也欣赏够了准备回家时），正好赶上公司发工资！为了激励员工的竞争，公司采取薪水公开制！十几个话务员工资最低的开了2000多，最高的开了6000多元，六位主管最低的拿了5000多，最高的竟然开了2万多！天啊！我真的没想到这行的工资竟然比一般的白领还要高！我被深深的震撼了（是被钱震撼的，当时我没想到有多少钱就意味着有多少受害人）。

　　　　晚上回到家，我心里有一种说不出的滋味！眼前晃动的都是那一沓沓的钞票，那正是我最缺的东西啊！难道我就这样放弃这份工作吗？在北京这个到处讲学历，将工作经验的地方，我很难再找到这样一份工作了！可是如果干的话，我的良心真的受不了啊！从小到大，我不敢说自己是多么高尚的一个人，但是我敢说自己从没坑过人，从没害过人！每天晚上睡觉我可以说都是问心无愧的！

　　　　可是那诱人的金钱又是我根本无法抗拒的！而且我相信如果我干的话，我会做到最好的！当晚我连晚饭也没吃，一直躺在床上不停的在想。脑海里各种各样的念头不停的翻滚着！我想起了含辛茹苦的父母，想起了嫌弃我穷离我而去的初恋女友，幻想着有钱的风光，痛苦着道德的谴责！想着很多很多......我不知道是怎样睡着的！

　　　　第二天一早，我迷迷糊糊的起了床，鬼使神差的又去了公司！站在公司所在的大厦外，我连抽了四支烟！当我掐灭最后一支烟，迈步走进大厦的那一刻起，我下定了决心：什么道德，什么正义，什么良心，都他*的见鬼去吧！我没饭吃的时候谁又管过我！人不为己，天诛地灭！我在心里这样告诉自己！就这样我开始了我的小丑生涯！

　　　　如果说当我打出第一个电话时心里还残留着一丝不安，话说的有些结结巴巴，那么在下午下班时，我已经打的非常流顺畅了，无数的谎言从我的嘴里狂泻而出！在正式入职第三天时，我就完成了自己的第一份业务——邀请到了一位陕西某县的投资者来京实地考察！

　　　　我至今仍清晰的记得那是一对在外打工多年的夫妻，存了一点钱，在家乡的镇上租了一间门脸，打算开个小店自己当老板！他们来到公司，我将他们带到接待室，告诉他们：这是我们公司的副总（王主管）由他接待你们！在王主管向他们介绍项目时，我没在场!但是半小时后，我看见王主管带他们去了样板间！从样板间出来后，我看见那对夫妇脸上充满着激动的神情（也可能是兴奋）！

　　　　随后他们很快的的和公司签了合同，然后急匆匆赶回家去准备“发财”了！我想他们在回家的火车上一定会沉浸在兴奋之中，夫妻俩可能还会一起策划一下美好的未来！但是残酷的现实会给他们好好地上一课的！过了不到两个月，我又接到了那对夫妻的电话。他们在电话里向我大声的斥骂，说我们公司欺骗了他们！我平静的听着（此时的我对这种情况已经很麻木了，可以说没有任何感觉，即不生气也不激动）

　　　　等他们骂够了，我用一种温和的语气告诉他们：有什么问题可以拨打我们的客服部（就是售后），电话号码是*********！然后我就挂了电话！这种说法是公司要求的！当顾客把电话打到售后时，为非是一些发给他们的货差，质量不好，价格太高，在店里看到的样品没货啊什么的！

售后的回答往往是公司的货就这样，原要不要！想退货，退加盟费？门都没有！不服尽管来北京告我们！公司之所以敢这样的猖狂，最重要的就是因为我们是“合法”的！公司和顾客签的的合同就是一个没有任何缝隙的网，只要你签了，就等于掉到了陷阱里面。基本上所有的加盟商到最后都会倒闭，只不过是时间长短的问题。到那个时候你拿出合同会发现，里面没有一条能帮的上你，而你想去告他也100%会输。

　　　　而连锁加盟行业往往对顾客群体的定位是很准确的！大多数的加盟者都是没什么钱的，真正有钱有势的人是不会看上这种小生意的！所以公司一般情况下加盟费（有的公司是保证金或权益金等各种说法）都是不高的，往往不会超过12000—30000元，就算加上首批货款也不会超出6万！这点钱对一个想开店的人还是拿的出来的（实在不够顾客也会借的）。

　　　　加盟者都是外地的，就算想告我们公司，也要上京来打官司！这时公司的“合法”作用就开始体现了！首先检查愿会依据法律法规认定这不是诈骗案而是合同纠纷！然后就是漫长的调查，调节，审理.公司有专业的律师队伍帮公司从合同、说辞等方面规避责任，少数不服气想讨回损失或为损失讨个说法的投资加盟商，很容易被公司拖跨或轻松击溃（前面说过大多数是平头百姓又都是有家的人，不可能长期号在北京）。
整个“局”做得极其机巧、奥妙无穷，也极其容易快速逃脱法律的监管和惩罚，甚至巧用法律作为保护伞，出了事无比强悍的律师将受害者和法律玩于股掌之间，镇定自若地一边打官司一边诈骗，根本犯不着撤离市场放弃既得利益惊慌逃跑，让绝大多数投资加盟商防不胜防！go-vern-ment机构单单从法律条文上也奈何不得我们。

　　　　在公司的第一个月我就进了业务销量的前三名！在此期间，通过我的“好学”“聪明”，我很快的掌握了这行的要点！一定要分辨出有效顾客——有店铺的！这些投资者往往已经租好了铺面，正在考察投资项目！他们的心态往往很急（店租每天都是钱啊），此类顾客最宜邀请来京。

　　　　只要他看到了我们公司的招商广告，留下了联系方式，那么在我们将电话打过去时，只要我们抓住顾客心理：诱人的利润，短期赚大钱，动人的承诺，公司加盟前后的指导帮助等等！顾客大半会被打动，来京考察！当投资者来到公司时，我们的招商主管就会进一步对顾客进行洗脑— """"""""""""""""""""""""""""""""利润与赚钱速度，夸大公司名头，精美的样板店，真诚的指导,完善的售后服务，庞大的广告宣传等等”使一切看上去像是上天安排给顾客的赚钱机会，于是在发热大脑的驱使下，众多投资者会不由自主掉进我们的圈套！

　　　　对于此类顾客我们一向是“穷追猛打”！一次沟通不行就打第二次，第三次......总之，不到顾客翻脸不罢休！对于那些暂时名有店面的顾客我们将之列为“可发展型”和“扯淡型”。“可发展型”的就是还没有店面却正在找或应经有了合适铺位只是在等找好项目再租的。这类顾客我们一般是催促他们尽量快租店面，也可以先来京考察签约。

　　　　顾客一旦认准了我们的项目，不用我们在催（实际上他只要交了钱，店爱开不开，我们都不会再过问的），都会疯了一样的找店面！至于“扯淡型”的就是压根只是随便问问的（有的可能是想开店，但是最少也要一年后的），或者根本就是闲扯的！对此类顾客我们心情好的时候会把公司的主页发给他，让他详细的了解一下！过几天再给他打个电话问一问，看看有没有可能发展！如果碰上我们心情不好，有确定他是没戏的，我们一般会“问候他妈（他爸，祖宗）一下”，没关系的，反正他不能追到北京来打我一段！工作需要发泄吗！！！

　　　　我在工作中不断的吸取周围同事在和顾客沟通时的一些“精华”为我所用，又在此基础上不断的“创新”（比如说为公司虚构出一些美好的未来，游说顾客和公司“一同发展”，为顾客“出谋划策”，指导一些所谓的营销策略等）。通过自身不懈的“努力”，我在不到一年的时间里，几乎每个月的“业务量”都名列前茅，公司破格将我提为招商主管（一般必须入职满两年才有机会提升）！

　　　　按理说我应该很高兴才是，但是我却并没有什么感觉!只是我知道自己的收入又会有一个大幅度的提升而已。其实，做主管和话务员本质上并没有太大的区别，只是前者需要和顾客面对面的“交流”，后者只是通过电话！如果要说最大的区别就是作为主管我开始接触到公司一些核心的机密！

在北京类似我们这种性质的连锁招商公司大概有一万多家（行业不同，本质无二）。大多数都挂着一国内外合法注册，挂着集团、连锁加盟总部、国际集团、国际连锁机构等令人崇敬向往的“头衔”（现在想到台湾、香港、韩国、日本、法国等地去注册一个公司很简单）！在这些大量的公司之间，相互都有着千丝万缕的联系。很多家公司的幕后老板都是同一个人。比如说我们公司的韩总除了我们这家服装品牌外，还有三四家饰品啊，玩具啊类的连锁公司！

我们公司的规模在这些公司中只是中小型的，那些大的公司一般都会请一些当红的影视明星来做代言！普通加盟商很难相信那样的公司竟然会是假的！基本上所有此类公司的法人代表都不会是幕后老板，都是一些老头老太太，这些“法人”大多数都不知道自己竟然是“公司老板”。目的是一旦真的出现了意外情况司法机关无法调查下去！一般此类公司在北京都会找一两个go-vern-ment人物做后台，想动这些公司和反难度差不多！
　
包括我们公司在内，既然披着合法的外衣，就必然会牵涉到税收问题!在我当上主管后了解到：凡是加盟商在交钱时，公司都会给他一个帐号，让加盟商把钱打进去！这些帐号的持有人都是私人的！在公司的账面上根本就见不到钱！这样就逃避了税收！而加盟商交完钱后是拿不到发票的，只会给他们一张收据!说法是打到公司账户转账慢，给公司工作人员的私人账户汇款，发货会比较快。
　　　　
几乎每一家此类公司除了一些专用的律师外都还有一批打手（平时的名义就是售后）。遇到上当的加盟商来京讨说法，合法的就让他随便去告。他找公共安全专家机关反映，公共安全专家机关说这属于合同纠纷。找工商部门反映，工商部门则说他们只能对该公司虚假宣传予以处罚。他如果起诉那最好，先别管官司输赢，托也托死他了！

如果他还不服，上公司来闹事，对不起，这时我们的“售后”就该上场了！现把他暴打一顿，再送到公共安全专家局说他扰乱我们正常工作，连药费都不给！是实话这样的顾客是很少的！大多数的加盟商在知道讨要无望后，都回吞下这颗苦果！大部分只能关门大吉，小部分把我们发给他的货当破烂处理了，然后自己上点散货继续撑下去！
　　　　
到今年为止，我已经在这个行业里混了两年多了！我个人的存款应经达到了二十万块，平均每月都在一万以上！可是这俩年里我却没有一天是真正开心的。我的心，我的思想，我的感情仿佛都失去了知觉！我经常想的是可能这就是有所得就必有所失吧！
　　　　最近一年来，网上对这一行业的投诉和揭露越来越多，有一些媒体也点名揭露了几家骗得太凶的公司内幕！按常理说应该对那些想创业的人起到了警示的作用，可是结果恰恰相反，这一行业反到是迅猛的成长起来！到现在为止，北京大概已经有近2万家此类连锁招商公司！每一家（包括我们公司）生意额都是“蒸蒸日上”！除此外在全国各大省市都开始出现类似的大批公司！

　　　　有时候我真的不明白，那些投资者只要在网络上对要加盟的品牌认真的查一查，都会明白个大概。那么为什么还是有这么多的上当者呢？我分析了一下:大多数的投资者都是一些乡镇在外务工人员，年纪大了，打算回乡安定下来；还有一部分是下岗人员打算自己创业；还有其他各形各色的人，为了一个发财梦！

　　　　这些人可能不会在网上搜索查询，也可能查到了但是不相信，还有些人产生了疑惑但是被我们打消了（我们针对网上的打击有各种各样的说法：对手的恶意攻击啊，其它都是假的我们是真的，我们有注册商标啊，能在某某权威网站(国家的)（真的可以查到，我们花了钱的）查到我们的资格认证啊等等！）投资者往往觉得自己是有眼光的，别人被骗了是别人太笨，他自己是不会选错的（当他明白时黄瓜菜都凉了）！经济的社会里，金钱的魔力越来越大，越来越多的人已经在金钱的诱惑下迷失了（包括我自己）！

　　　　还有一个原因就是现在我们这类公司也越来越注重媒体的宣传！在网络、报纸、杂志等媒体上你随处会看到我们这类公司的广告（包括权威的报刊，杂志；著名的大型网站：甚至各电视台），甚至开始频繁地出现在全国各地的正规连锁招商展会上，而且动辄以豪华装修、庞大阵容出场，甚至锣鼓喧阗、呼天动地到了令人咋舌的地步，比一场马戏表演还热闹，其中实质在上演一场心理暗示催眠下的诈骗狂欢。

　　　　通常展会开始半天之后，大大小小的加盟意向名单开始挂满了展台四周，到三四天的展会结束，加盟意向名单中很大一部分已经换成了投资加盟名单；其实两类名单都很难详细考证，做“托”的，受骗的，混杂其中，让你难辨真伪。在这样场合下受骗加盟的投资者，哪怕旁边亲朋好友如何规劝、提醒，都很难回头，和赵本山大叔《卖拐》忽悠得找不着北的范大厨师状态差不多。展览公司介绍这些企业出展费最爽快，因为骗钱实在太容易，犯不着在那点展会费用上和主办单位罗罗嗦嗦。

　　　　我们公司从成立到现在不过三年左右，到现在为止，已加盟的客户已将近六百家！
　　　　在这里我算了一笔账：一位加盟商我们公司的平均收取是6万元。其中1000元提给其话务员，3000元提给接待的主管，6000元（多算的）用来拿货发给加盟商（算做3万元的货）！剩余的5万元进入老板的腰包。这样算来三年来我们老板从这家公司就进账三千万!去除写字楼房租，广告费，和一些杂七杂八的费用最少能够净剩两千万！平均每年700万！我在前面说过，我们公司只是中小规模的！按照我对这行业的了解，北京2万家此类公司，平均每家每年能够净挣1000万左右！全北京此类公司每年“净挣”2000亿！全国呢？我算不出！！！可怕吗？？？

　　　　在平常的工作中，同事之间的关系很冷漠，大家在聊天时很少谈到自己的生活！说的都是客户之间的事。更小心翼翼的避免谈到道德，良心，报应之类的话题！就在我越来越麻木的时候，发生了一件事！正是这件事惊醒了我，才有了今天的这篇自白！

　　　　那是今年八月的一天，我们公司又来了一位考察者。当时由我们主管中一位姓叶的主管接待！那天我看到的那位考察者的第一眼，心里就一震——那是个残疾人（具体特征我不能细说，公司看到会知道我在写他们），穿的衣服很土（但是还算干净），一看就是个民工.说实话，我当时觉得他应该不会交钱的（我也不希望他受骗，不管我已经变得多麻木，我还是很同情残疾人的）.可是在一系列的“程序”（诱惑，讲解，参观样品间，再次深入诱导）之后，他竟然交钱加盟了！

　　　　叶主管给他办完手续后，将他送出了大门。这时，正好韩总来我们办公室巡视。叶主管邀功似的对韩总说起了这笔“生意”！当时我们几个主管都在场，我正好听了个详细。那个残疾人姓于，是江苏省某市某村的一个农民。长期在外打工，是家里的主要经济来源。年初的时候在工地上发生了事故，落下了残疾！工地赔了他一笔钱，他老婆不再让他出门干活，但是家里的两个孩子都在上学，很需要钱。

　　　　他们夫妻俩商量用赔偿金加上家里微薄的积蓄在镇里开个店。店铺看好了，想做服装生意，可是又苦于没经验！很偶然的机会，老于在家里的一本杂志上看到了我们的招商信息。除了被我们的项目所吸引，还有就是被我们所承诺的“全程指导”给打动了。按照上面的招商热线打过来，又被接电话的话务员一顿营销，终于还是来了北京！

　　　　在看完样板间后，老于很满意。但是出于种种的顾虑还是不想立刻交钱，这时，叶主管抓住了他担心没经验的这个弱点，一再的承诺我们会怎样对他进行帮助（包括给他出装修方案，开业指导，营销培训啊等）！终于，老于被搞定了（他不知道所有我们承诺的这些其实就是一张光碟）！听完叶主管的讲述，韩总对他狠狠的表扬了一番！望着叶主管那得意的脸庞，我忽然感到一阵恶心！我隐隐的觉得我那麻木的心开始有了一丝感觉！
在以后的日子里我开始留意打听老于的消息。一个月后，我听到了他开业的消息！又一个月后老于再次来到了公司！他就是想让我们把钱退给他,如果实在不行退一半也行，他声泪俱下的一再强调着那是他全家的救命钱！公司对待他和对待其他加盟商没什么两样，他们让老于去告公司，老于竟然说：我不会打官司啊！

　　　　最后，被老于纠缠的不耐烦的公司叫售后的那帮痞子们将老于像拖死狗一样拖出了公司！我不知道他们有没有打老于，但老于再没有来过！事后，叶主管常学着老于的腔调说“我不会打官司啊！”来哗众取宠。常常换来哄堂大笑！我一次也没笑过！我感觉到一种锥心的愤怒！老于被拖出去时那张绝望的面孔时刻浮现在我的眼前！我麻木的心由于无尽的愤怒而彻底觉醒了！

　　　　人在做一件缺德的事的时候，如果一直没有去想它，那就没什么感觉！而如果一旦开始反省的时候，你就再也无法不再去想！即使你去强制自己不去想也没用！“老于事件”使我彻底认清了公司的嘴脸，也认清了自己的嘴脸！想一想这两年我都在做些什么啊！一直在不停的欺骗！我甚至都不敢告诉父母我在北京到底是做什么工作的。我也记不清楚这两年里我到底骗了多少加盟者。他们之中会不会也有像老于那样被骗之后陷于绝望的境地呢？我不知道！

　　　　从那之后到现在，我已经快三个月没有签一张单了。公司已经开始对我很不满了。我不在乎！在此期间我探听到了老于的详细地址，给他汇过去了6万元（匿名的）。我希望这能够减轻我犯下的罪孽。我很想补偿我欺骗过的所有加盟者，但我能力有限！我也很想站出来揭发公司，但我不敢，我毕竟也是一个怕死的普通人。我所能做的就是将我的经历公布于众，希望广大的正义网友能够将之广为转载！
最后我以自己的经验告诉大家几条识别连锁加盟骗局的有效方法：

　　　　 1;试着在百度里以项目名称加骗子两个字搜索一下，如果没有发现投诉，基本上项目就可以相信，如果投诉多，就是骗子了，适用于任何项目，这是一个基本的判断。
　　　　 2;如果你要加盟的品牌在公司所在地（就是你去考察的地方）没有两家以上的实体店，那它就是骗子！无论它如何解释你都不要相信！
　　　　 3;骗子公司一般多采用，诱导式，用小猫钩鱼的方法引你上钩。比如，赠送小礼品，减少加盟费，返现金，返装修费等等计量。当这些情况出现时你就要小心了！
　　　　 4;一定要看你准备加盟品牌的生产车间（或工厂），和他们的仓库！无论他们把厂址和库房说的多远，你都一定要去看看！你可以这样养算一下：是被骗去几万元好呢，还是花几百块路费去看一下好呢？

　　　　所有的加盟者只要遵照以上四条就绝不会被骗，遗憾的是你可能会发现在一万家品牌中竟然找不出一家真的！可悲，可叹！

　　　　写完这篇文章后，我会在公司看一看能不能引起有关部门的反应，会不会遏制一下丑恶不堪的连锁行业！无论怎样我会在一个月内辞职，我卡上剩下的十几万元我不会再动用，希望有朝一日能够用来帮助我骗过的人！我想我再也不会找到这么“高薪”的工作了！我想我就算去餐厅端盘子也可以干的很开心了！我想我可以做一个好梦.

转来给大家看，别让更多的老实人受骗了！

ADV: Check out what Berry you are today! (Preview)

2010-12-29T13:07:00.000+08:00

ChurpChurp | Social Share » Check out what Berry you are today! (Preview)

ADV: Be part of the Invent Your Own iPad Application Contest and Win! (Preview)

2010-12-29T13:06:00.001+08:00

ChurpChurp | Social Share » Be part of the Invent Your Own iPad Application Contest and Win! (Preview)

ADV: The Celcom Everyone Sale is back! (Preview)

2010-12-29T13:06:00.000+08:00

ChurpChurp | Social Share » The Celcom Everyone Sale is back! (Preview)

ADV: Catch Korean Pop Stars live in Malaysia! (Preview)

2010-12-29T13:05:00.001+08:00

ChurpChurp | Social Share » Catch Korean Pop Stars live in Malaysia! (Preview)

ADV: ChurpChurp | Social Share » Check out what Berry you are today! (Preview)

2010-12-29T13:05:00.000+08:00

ChurpChurp | Social Share » Check out what Berry you are today! (Preview)

ChurpChurp | Social Share » Take the Nestle Wellness Profiler test today! (Preview)

2010-12-29T13:03:00.000+08:00

ChurpChurp | Social Share » Take the Nestle Wellness Profiler test today! (Preview)

Hope you will enjoy this post, subscribe to my RSS or mailing list or follow me on blogger or twitter. :)

Socso Malaysia

2010-11-18T18:44:00.001+08:00

EMPLOYMENT INJURY INSURANCE SCHEME

Employment Injury Insurance Scheme provides protection to employees who suffer from accidents arising from work. Employment injury means personal injury to an employee caused by an accident or an occupational disease arising out of and in the course of employment in an industry to which this act applies.

COVERAGE
The Employment Injury Insurance Scheme protects employees from:

1) Accidents which occur while in the course of the work.

* Accident which occurs while working at the work place and was caused by the employee's job.

2) Accidents which occur while traveling

* On a route between his place of residence and his place of work.
* On a route between his place of work and the place where he takes his meal during any authorized recess.
* On a journey made for any reason which is directly connected to his employment. (on condition the accident does not occur during any interruption or deviation of the journey).

3) Accident during an emergency

* Accident which occurs during an emergency at the employer's premises while in the course of assisting, rescuing, or protecting other people from disasters such as a fire breakout.

4) Occupational Disease

* Disease that results from his occupation. The list of diseases and cause agent can be found in the Fifth Schedule of the Employee's Social Security Act, 1969. Examples:

Loss of hearing due to exposure to continuous excessive noise.

Respiratory diseases or industrial asthma as a result of exposure to dust for employees in sawmills, powder factories, flour mills, and others.

THE BENEFITS PROVIDED UNDER THE SCHEME

• Medical Benefit
• Temporary Disablement Benefit
• Permanent Disablement Benefit
• Constant Attendance Allowance
• Rehabilitation Benefit
• Dependent's Benefit
• Funeral Benefit
• Education Benefit

----------------------------------------------------------------------------------------

MEDICAL BENEFIT

* Protection for employees who meet with an accident or suffers from an occupational disease. These employees are entitled to free treatment at SOCSO panel clinics or government clinics/hospital.
* The employee receiving treatment from a SOCSO panel clinic must continue the treatment there until he recovers.
* Transferring of treatment place to a government hospital can only be made if referred by the panel clinic.
* For serious injuries, treatment should be obtained at a government hospital and the employee is eligible for second class ward treatment. Specialist treatment will be provided, if required.

How to claim
To apply and receive the medical benefits for the first time, the following documents must be completed and submitted to a SOCSO panel clinic:-
• Form 21 (Accident Report)
• Form PKS 68 or PKS 69 (Occupational Disease Report) or
• Identification Letter from employer

Reimbursement Payments
For treatments received from a clinic which is not a SOCSO panel, the employer or employee can submit application for Reimbursement Payment to the relevant SOCSO office for approval subject to rates determined by SOCSO.

How to claim
To apply and receive the Reimbursement Payment, the following documents must be completed and submitted to a SOCSO office:-
• Form PKS (P) 24 (Reimbursement Travel Claim Form)
• Form PKS (P) 26 (Reimbursement Payment (General) Claim Report)
• Original receipt
• A copy of the Appointment Card
• A copy of the Medical Report (if any)

----------------------------------------------------------------------------------------

TEMPORARY DISABLEMENT BENEFIT

Benefit To Be Paid

* This benefit is paid on employee who has been certified by a doctor to be unfit for work for not less than (4) days including the day of the accident.
* This benefit is paid for the period the employee is on medical leave. However, no benefit will be paid for the days for which the employee works and earns wages during this period.

Rate of daily benefit to be paid
80% of the average assumed daily wage.Subject to:
• A minimum of RM10.00 per day (for employees who earn less than RM10.00 per day)
• A maximum of RM78.67 per day (for employees who earn more than RM2,900.00 per month)

How to Claim
Claims can be made by submitting the following documents:-
• Form 21 (Accident Report)
• Form 10 (Claim Form)
• Doctor's Certification (Form 13) or the original copy of the Medical Certificate
• A copy of Identity Card
• Attendance Record/Punch Card/Employer Certification
• Form PKS (F) 1 (Statement of Wages/Contribution details)

For accidents which occur while commuting, please also submit the following:
• Police Report
• Sketch map of place of accident

For Occupatioal Disease claims may be made by submitting the following documents:-
• Form 68 (if the employee is still working)
• Form 69 (if the employee has stopped working)
• Original copy of the Medical Certificate (if any)
• Form 10 (if there is any medical leave)

Completed forms and documents must be submitted to the SOCSO office where the employer was registered.

Duration for Report of an Accident
The employer must report an accident within 48 hours and any report received later than 12 months will not be entertained.

----------------------------------------------------------------------------------------

PERMANENT DISABLEMENT BENEFIT
Permanent disability is defined as a lasting disability due to an employment injury.
The employee may continue to work while receiving this benefit.

Duration of a claim
Claim must be made within 12 months from the date of final Medical Certificate issued.

Rate of daily benefit to be paid
The daily rate is 90% of the average assumed daily wage of the Insured and subject to a minimum of RM10.00 per day and a maximum of RM88.50 per day.

How to Claim
The Insured must submit a written application to the relevant SOCSO office for reference to the Medical Board. Please include the following documents:-
• Application Form
• A copy of Identity Card
• Medical Report (from hospital/clinic which treated him)
• Form 10 (Claim Form)
• Form PKS (F) 1 (Statement of Wages/Contribution details)
• A copy of the saving's account book for direct payment of benefits.

How the benefit is paid
The case will be refereed to the Medical Board for disability assessment. The decision of the assessment will be notified to the Insured.If the permanent disablement is assessed at 20% or less the employee can claim that the benefit in the form of a lump sum payment. If the assessment of the permanent disablement exceeds 20%, the benefit will be made in monthly payments. However, the employee can apply that1/5 of the benefit to be paid lump
sum, while the balance to be paid in monthly payments and as a monthly pension for life.
The Insured may continue to work while receiving this permanent disability benefit.
If the Insured or SOCSO is not satisfied with the decision of the Medical Board made, an appeal can be made to the Appellate Medical Board within 90 days from the date notification to the Insured.

----------------------------------------------------------------------------------------

CONSTANT ATTENDANCE ALLOWANCE
This allowance is paid to an employee who is suffering from permanent total disablement (i.e 100% loss of earning capacity), and is so severely incapacitated that he constantly requires the personal attendance of another person. The allowance is equal to 40% of the rate of permanent total disablement benefit subject to a maximum of RM500/-. Eligibility for this allowance is determined by the Medical Board or the Appellate Medical Board and the payment is made directly to the recipient of the benefit.

REHABILITATION BENEFIT
Facilities for vocational and physical rehabilitation are provided free of charge by SOCSO to an employee who suffers from permanent disablement. Physical rehabilitation includes:

* Physiotherapy
* Occupational therapy
* Reconstructive surgery
* Supply of artificial limbs such as artificial leg, hand, eye and dentures
* Supply (as well as repair and replace) of other orthotic equipments such as wheelchairs, crutches, hearing aids, spectacles, calipers, and orthopedic shoes
* "Return to Work" Programme Vocational rehabilitation includes:
* Vocational training in courses such as electrical wiring, tailoring, radio/TV repairs, metal trade, refrigerator and air-conditioner repairs, plumbing, typing and secretarial work. All expenses incurred will be borne by SOCSO based on rates and conditions determined by SOCSO.

DEPENDENT'S BENEFIT
If an employee dies as a result of an employment injury, his dependents are entitled to this benefit.

Rate of daily benefit to be paid
90% of the average assumed daily wage.Subject to:
• To a minimum of RM10.00 per day (for employees who earns less than RM10.00 per day) an a maximum of RM88.50 per day.

How to Claim
If there is widow, widower or children, the claimant must submit:
• Claim Form (Form 24)
• Death Certificate of the employee*
• Birth Certificates of all the children*
• Marriage Certificate*
• Widow/widower's Identity Card (whichever relevant)*
• A copy of the savings account book of the claimant

*Please bring along the original documents for SOCSO's verification.

Allocation of the benefit
The following is the allocation of share based on priority:-

Dependant	Divide on full daily rate	Condition
Widow or widower	3/5	Receives benefit for life even though widow or widower remarries on or after 1st May 2005
Children - All eligible children are entitled to receive benefit which includes natural, dependant step-child, adopted child or a child out of wedlock	2/5	Receives benefit up to age 21 or marriage whichever occurs studying in a institute of higher learning, he/she will receive benefit up to completion of the first Degree or marriage (whichever occurs earlier). If a child is mentally retarded or physically handicapped and is unable to support himself, the benefit will be paid as long as the child is unable to support himself.

If the Insured dies and doesn't leave any widow or widower or children, the dependent's benefit will be paid to:

Parents	4/10	Receive benefit for life
Brothers and sisters	3/10	Receive benefit up to age 21 or marriage (whichever occurs earlier)
Grandparents (If parents have pass)	4/10	Receive benefit for life

If there is no widow, widower or eligible children, the claimant must submit:
• Claim Form (Form 24)
• Death Certificate of the employee*
• Birth Certificates of the deceased employee*
• Birth Certificates of all brothers and sisters (if relevant)*
• Identity Card of parents or guardian or grandparents (if relevant)*
• A copy of the savings account book of the claimant

*Please bring along the original documents for SOCSO's verification.

----------------------------------------------------------------------------------------

FUNERAL BENEFIT
An amount of RM1,500 will be paid if an employee dies as a result of an employment injury or while receiving disablement benefit. Payments will be made to the eligible next of kin. If there is no next of kin, the benefit will be paid to the person who incurred the funeral expenditure. The amount paid will be the actual amount incurred or RM1,500 whichever is lower.

How to claim
To apply and receive the benefit, the following documents and their certified copies must be completed and submitted:-
• Claim Form (Form 26)
• Death Certificate*
• Other relevant documents which certifies the next of kin*

*Please bring along the original documents for SOCSO's verification

Quantitative Easing Explained

2010-11-18T15:11:00.000+08:00

Quantitative Easing Explained

Dog remains faithful to dead owner

2010-11-16T13:25:00.000+08:00

The dog story start at 50th seconds of the video:

霎時感動

2010-11-08T08:54:00.001+08:00

Market Wrap 10 22 10 (MG)

2010-10-28T08:51:00.002+08:00

Market Wrap 10 01 2010

2010-10-20T14:28:00.002+08:00

EPF beneficial list

2010-10-11T14:30:00.002+08:00

Forwarded by my Public Mutual agent. Do take note:

Happy Mid Autumn

2010-09-29T16:15:00.002+08:00

我把月亮送給你
https://docs.google.com/fileview?id=0B6E4pzOCFjPANmNlNzE4MTQtOTlkYi00ZjJiLWIwMTEtMDBmNmY2Yzc0ZGEz&hl=en

2010中秋節快樂
https://docs.google.com/fileview?id=0B6E4pzOCFjPAZGI4ZGQ5YjYtYTIxMy00YjAzLThkZmMtMzdjMjE3M2E3Y2Y0&hl=en

Lou_Han_Guo

2010-09-29T16:12:00.002+08:00

https://docs.google.com/fileview?id=0B6E4pzOCFjPAZDRiYzMyNTYtMTVlNS00ZjVlLThmNjEtODc4NTVhODhiOTgx&hl=en

cosmetics buying guide

2010-09-29T12:57:00.000+08:00

Right click to download the PDF:
https://sites.google.com/site/oudateduncle/EWG_cosmeticsguide.pdf

2 choices

2010-09-15T17:27:00.002+08:00

你會怎麼做？請你作出你的選擇，這不是什麼機智問答。總之讀下去，我的問題是：你會作出同樣的選擇嗎？

在一個學習遲緩兒童學校的募款餐會上，在場的所有人永遠忘不了其中一個學生的父親所說的話。

在推祟學校和教職員的付出和貢獻後，這個家長問了一個問題：

照理說在無外力干擾下，大自然所創造的一切都是完美的。
但我的兒子，西恩，他無法像別的孩子一樣的學習，他無法像別的孩子一樣的理解事物。

在
我孩子身上，大自然的法則何在？

所有聽眾都啞口無言。

這個父親繼續說。我相信當像西恩這樣有身體及心智殘缺的孩子來到這個世界，是一個展現人類真實本性的機會。
而這一次體現在別人如何對待這個孩子。

接著，他說了下面這個故事：

西恩和我走過一個公園，裡面有些西恩所認識的男孩正在玩棒球。
西恩問我：＂你想他們會讓我一起玩嗎？＂我知道大部份的孩子不會想要有西恩這樣的孩子在自己的隊上，
但身為一個父親我同時也知道若他們能讓我兒子參加，這會讓他得到他所迫切需要的歸屬感並建立起自己
雖然是殘障仍能被接受的信心。

我走近一個男童（不抱太大希望的）問他西恩可否參加，他看看周圍的隊友然後說＂我們輸了6分而現在正在第8局上，
我想他何以參加我們的隊，我們會在第9局設法讓他上場打擊。”

西恩帶著滿臉的喜悅困難的走向他的球隊的休息區，穿上該隊的球衣，我悄悄的滴下眼淚而心中有滿滿的溫暖。
而那些男孩也看出了我對於兒子被接納的喜悅。

在8局下，西恩的隊有追了上來，但仍然還輸3分。

第9局上半場，西恩戴上手套防守右外野，雖然没有球往他的位置飛來，
但能在場上他已經很高興了，我從看台上向他揮手他笑的合不攏嘴。

在9局下，西恩的球隊又得分了。

而此時，二出局滿壘的狀況，下一棒是球隊逆轉的機會，而西恩正是被排在這一棒。

在這個重要關頭，他們會讓西恩上場打擊而放棄贏球的機會嗎？

讓人驚奇的是他們真的把球棒交給了西恩，大家都知道西恩根本不可能打到球，
因為他甚至不知道怎麼握球棒更別談碰到球了。然而當西恩踏上打擊位置，
投手已經明白對手為了西恩生命中重要的這一刻放下贏球的機會，
所以他往前走了幾步投了一個很軟的球給西恩讓他至少能碰一下。

第一球投出來，西恩笨拙的揮棒落空。

投手又再往前走了幾步投出一個軟軟的球給西恩。

當球飛過來西恩揮棒打出一個慢速的滾地球，直直的滾向投手。

球賽眼看就要結束。

投手撿起這軟軟的滾地球，他可以輕易的把球傳給一壘手讓西恩出局而結束這場球賽。

然而投手把球高高的傳往一壘手的頭頂上方通過，讓他所有的隊友都接不到。

每個站在看台上的人不管是那一隊的都開始喊著：＂西恩，跑到一壘！跑到一壘！跑到一壘！＂

西恩這輩子從來没有跑這麼遠過，但他還是努力跑到了一壘。

他踩上壘包眼睛張的很大而且很驚喜。

每個人都喊著說：＂西恩，跑向二壘，跑向二壘！＂

剛喘過氣，西恩蹣跚的跑向二壘，很辛苦的往壘包跑。

這時，就在西恩往二壘跑時，右外野手拿到了球，這個全隊最矮的小子第一次有了成為隊上英雄的機會了。

他大可把球傳向二壘，但這個全隊最矮的小子了解投手的心意，所以他也把球故意高高傳過三壘手的頭頂過去。

當前面的跑者往本壘跑時，西恩跌跌撞撞的往三壘跑。

大家都大喊著，＂西恩，跑,下去，跑下去。＂

西恩能到達三壘是因為對方的遊擊手跑來幫忙將他帶往三壘的方向，而且喊著，＂跑到三壘，西恩，跑到三壘。＂

當西恩抵達三壘，雙方的選手和所有的觀眾都站起來，高喊著，＂西恩，全壘打！全壘打！＂

西恩跑回本壘踩上壘包時，大家為西恩大聲喝采就如他打了一個大滿貫並為全隊贏的比賽的英雄般。

＂那一天＂，那個父親兩頰淚流滿面輕柔的說，＂兩隊的男孩子把真愛和人性的光輝帶進了這個世界。＂

西恩没能活到另一個夏天，他在那年的冬天過逝，但他從没忘記他曾經是個英雄而且讓我那們高興，
以及他回家時看著媽媽流著淚擁著她的小英雄的那一天！

現在；是關於這個故事的一點附註：

我們不假思索的用email把數以千計的笑話傳來傳去，但當我們遇到要傳送有關生命的選擇的信件時，我們反而感到猶豫了。

粗俗、野蠻和經常是有點淫穢的東西每天在網路上無限制的傳播著，反而高尚的事情的討論卻在學校裡及辦公室裡被壓抑著。

如果你在思考著把這封email轉寄出去，可能你會在你的連絡人上挑選出那些不適合收到這封信的人，
然而把這封email寄給你的人相信我們可以讓世界變的不一樣。

我們每天都有無數的機會可以協助去體現大自然的法則。

很多人與人之間微不足道的互動都是一個選擇的機會。

到底我們是把愛和人性的光輝傳遞下去，或者放棄這些機會使得這世界一點點的更冷默。

有一個智者說過；要評價一個社會就要看這個社會如何去對待他們之中最不幸的人。

所以現在你有兩個選擇；

1. 刪除
2. 轉寄

但願你的每一天都是西恩日

Where is Malaysia universities?

2010-09-09T12:21:00.000+08:00

Although we can argue about how they do the ranking, but none of Malaysia university make it to top 200! We have:
1. world top 10 tallest building
2. own Formula1 team
3. top 3 most expensive country to own a car
4. etc etc etc..... many more world top, but look at the result here:
http://www.topuniversities.com/university-rankings/world-university-rankings/2010/results

WHERE IS MALAYSIA BOLEH?

Stop complaining la

2010-08-20T14:10:00.000+08:00

What do you want to complaint after watching this video?

Do not SMS or text while driving

2010-08-19T20:32:00.003+08:00

Treasure your life, don't SMS/text while driving.

p/s: also wear seat belt:
http://ahsiangboringdiary.blogspot.com/2010/03/embrace-life-always-wear-your-seat-belt.html

pp/s: see also other love life posts:
http://ahsiangboringdiary.blogspot.com/search/label/love%20life

How to cancel your credit card in Malaysia

2010-08-11T08:44:00.001+08:00

Because of Malaysia government impose a credit card tax for every credit card you have yearly (during the anniversary of the credit card), many people choose to cancel their card(s). Although the banks can waive your annual fee, but the credit card tax still have to be pay by the consumers. Some banks can 'compensate' the credit card tax somehow, but some don't, you have to pay the RM50 for principle card and RM25 for sub card. I have a few cards because I was greedy on the gift the credit card promoter hand out :P Now it is time to cancel my credit cards. During the process, I found out that different bank have different ways of cancellation for credit card. This list is what I know:

Group 01 - you can call to the bank to cancel your credit card(s) and they will fax you a cancellation form:
a. Citibank

Group 02 - you have to fax, or email a cancellation letter, or walk in to the bank to fill up a cancellation form
a. UOB

Group 03 - just call and they will cancel your card
a. CIMB (provided by ~y3nch1ng~)

Do leave at the comment if you know how to cancel your credit card at other banks. :)

Innovative furniture

2010-07-06T14:19:00.000+08:00

Public Mutual report: Market Wrap 06 04 10 (MG)

2010-06-17T16:22:00.001+08:00

Public Mutual report: Market Wrap 06 04 10 (MG) - for the month of June 2010

Click to see the pdf:
Market Wrap 06 04 10 (MG).pdf

p/s: see other related posts:
http://ahsiangboringdiary.blogspot.com/search/label/mutual%20fund

Two Suns, really?

2010-06-17T14:08:00.000+08:00

My Friend forwarded an email saying there will 2 Suns appear on the sky.... Apparently it is a hoax... See the link:
http://www.hoax-slayer.com/star-aderoid-two-suns-hoax.shtml

Creative Japanese school kids

2010-06-10T14:46:00.001+08:00

Mario video by creative Japanese school kids:

p/s: see also other blog post regarding games
http://outdatedpenanguncle.blogspot.com/search/label/game

Forward email: ATTENTION :KILLER HOUSE PLANT!

2010-06-03T08:58:00.001+08:00

Not sure how true, but better be safe than sorry later!

Dear all,
Please read below. The message is true. I almost lost my daughter who put a piece of the leaf of this plant in her mouth and her tongue swelled to the point of suffocation. This is one plant but there are others with the same characteristics of coloring. Those are also poisonous and we should get rid of them. Please watch out for our children. As we all leave our children home in the hands of the helpers, we should give them a safe environment where they can play.
"This plant that we have in our homes and offices is extremely dangerous!
This plant is common in Kenya , Rwanda , Uganda in plant nurseries, many offices and homes. It is a deadly poison, mainly for the children. It can kill a kid in less than a minute and an adult in 15 minutes. It should be uprooted from gardens and taken out of offices. If touched, one should never touch ones eyes; it can cause partial or permanent blindness. Please alert your buddies.

Magic with iPad

2010-06-01T11:14:00.002+08:00

Magic with iPad:

Don't fall in money trap

2010-05-27T19:18:00.003+08:00

See the ads below? Sounds like the bank is willing to help you at raining day. Yes?
NO! Don't fall in money/debt trap. No money then don't spend anymore! Read the money tips:
http://ahsiangboringdiary.blogspot.com/2010/04/5-money-mistakes-you-might-be-making.html

Public Mutual report: Market Wrap 05 14 10 (MG)

2010-05-27T14:27:00.003+08:00

Public Mutual report: Market Wrap 05 14 10 (MG)

Click to see the pdf:
Market Wrap 05 14 10 (MG).pdf

p/s: see other related posts:
http://ahsiangboringdiary.blogspot.com/search/label/mutual%20fund

I got lucky!

2010-05-24T08:32:00.004+08:00

I switched to Standard Charted credit card because I wanted the cool hard money that they gave during the promotion. It was RM100 went that they gave. After Mr Rosmajid implement the credit card tax, then the bank give RM150 to their customers to offset the credit card tax.

Anyway, there was another promotion to pay the bills online at Standard Charted online banking between 11March, 2010 to 09April, 2010. 30 lucky winners could win up to RM200 cash back when paying bill using Standard Charted online banking.

Actually I have already forgotten such a contest, until I get the letter from Standard Charted congratulating me for being one of the 30 winners. I seldom get this lucky! :)
I think it was the TNB bill, costing RM196.40, now it is free! :)

Here is the letter (click to see bigger picture):

Find out how to get the free RM150 from Standard Charted bank:
http://gotfreestuffs.blogspot.com/2010/04/free-rm150.html

5 Money Mistakes You Might Be Making (and How to Avoid Them)

2010-04-29T22:00:00.000+08:00

If you could have more money in your checking account, you'd definitely take it, right? It probably comes as no shocker to you that it's really easy to let your funds slip away. But what you might find surprising is how simple it can be to turn things around for the better. Here are 5 common money mistakes with doable solutions.

Money Mistake #1: My Money Is Disappearing

No one starts the month planning to fritter away a small fortune, but that’s what can happen when minor expenses spiral out of control. It’s not just shopping at Saks that gets you into trouble. Seemingly innocent purchases — $15 jeans at Target, a few things for the kids at a two-for-one sale, the occasional Frappuccino — can do real damage to your bottom line.

What does it take to waste $10,000 a year? Just $27.40 a day. “You can undermine some of your most important goals with purchases you’ll never remember,” says Suzanna de Baca, president of Private Capital Solutions Group, a Des Moines, IA, investment advisory firm.

The fix: Know thyself financially. First step: Take five minutes and read through your latest bank statement. If the transactions seem unrecognizable and you have no idea why you went to the ATM a dozen times, spend a week tracking your spending (longer, if possible).

You can use a notebook, keep receipts in an envelope, try software like Quicken, or check out an online budgeting tool. Whichever you choose, find a money-tracking method that lets you see your purchasing patterns with fresh eyes.

Money Mistake #2: I Throw Away Cash

Who would pass up free money? Maybe you, if you make only the minimum contribution to your employer’s 401(k) savings plan — or opt out of the plan on the grounds that money is tight. According to the 2008 Wachovia Retirement Survey, only about a quarter of women with 401(k)s contribute the maximum allowed. Puny 401(k) contributions mean you aren’t taking full advantage of any free matching funds your company offers. Says De Baca: “If your boss offered to add $25 to your weekly paycheck, would you turn it down? Of course not.” Most employers match all or part of the first 3 to 6 percent of pay employees contribute.

That might not sound like much, but take a look at the math: Assume your company will kick in 50 cents for every dollar you put in, up to 5 percent of your salary. If you’re 40 and making $40,000 but decide not to fund your 401(k), you could be giving up almost $230,000 over 25 years.

The fix: If money is so tight you can’t imagine saving two bucks, start small. You don’t have to put in the maximum $15,500 annual contribution ($20,500 if you’re 50 or older). Instead, increase your contribution by 1 percent of pay a year, until you get the full match. One painless way to save: When you get your next raise, use all or part of it to bump up your 401(k) contribution.

If your employer doesn’t offer a match, that doesn’t mean you should skip making contributions. Remember, a 401(k) lets you put away money tax-deferred. This doesn’t just lower your current tax rate; your earnings can really grow, because Uncle Sam isn’t taking a bite out of them.

Money Mistake #3: My Kid’s Budget Runneth Over

Many parents find themselves wrestling with financial discipline when it comes to their children, says Galia Gichon, creator of “My Money Matters” Kit, a box of financial tips and workbooks. Whether it’s snacks for the little ones at the market or new skate shoes for your tween, “it’s amazing how quickly saying yes can add up,” says Gichon, a New York City financial planner and mother of two.

The fix: Rather than simply saying no to your kids’ endless wish lists — which can lead to wrenching battles — protect your budget and sanity by teaching your children Money Management 101. “Distract and delay” tactics work especially well for children age 6 and under. If your young daughter is jumping up and down for something she wants at the store, says Gichon, “try focusing her attention on something else, or acknowledge what she wants and say that you can talk more about it later when you’re home.” You may have to endure a little complaining, but your child gets an important message about not buying things on a whim.

Money Mistake #4: I Never Saw a Windfall I Couldn’t Spend

Whether you receive a raise, a tax refund, or a generous birthday check from Aunt Dotty, it’s hard not to view a windfall as an excuse to go shopping. Splurging can be fun, but that’s rarely the best use of your extra cash. “Few Americans are saving enough to cover day-to-day crises, never mind the future,” says Jonathan Pond, author of Grow Your Money!

The fix: To make sure you don’t feel deprived, earmark some of the newfound money for a modest treat (Aunt Dotty would want it that way). Gichon suggests using 5 or 10 percent for something fun: “That way you do something for yourself — while deciding what to do with the rest.”

Put the remainder of the money where you won’t be as tempted to touch it. Consider an FDIC-insured, high-yield online savings account such as the one offered by ING Direct. It has no minimum balance requirement or fees, and this account typically pays higher-than-average interest rates.

Next, consider where the money would do you the most good. Tackle any small, urgent problems first — a sore tooth, the clunking sound your car makes, leaky windows. This will help avert the hardship of paying for a string of bigger expenses later on as little problems snowball into debt.
Set aside some of your windfall for expenses that you can’t predict precisely but you know will be coming sometime. “You may not know when your cell phone will quit or the water heater will break, but they will,” Pond advises.

Money Mistake #5: I Forget What I’m Worth

If you’re a stay-at-home mom or you work part-time, you may not have enough life insurance. Many women are underinsured because they’ve underestimated their income or the value of their contributions to the household. De Baca recalls one client whose wife died in her 30s and had only a $100,000 life insurance policy, which didn’t cover the need for child care for the couple’s young children or the housekeeping chores the client then required.

The fix: A rule of thumb to determine the amount of insurance coverage that you need — multiply your annual expenses by the number of years until your youngest child will turn 18. (Some parents may also want to factor in the future cost of their kids’ college.) Life insurance premiums actually have plummeted in recent years. So if you’re a healthy nonsmoker in your 30s or 40s, you can now buy a $500,000 term insurance policy for about $40 a month.

You and your partner should revisit your insurance coverage annually — or at least after a major event, like the birth of a child. “It takes a lot to run a household, and you want to be covered,” says De Baca.

Source: http://shine.yahoo.com/event/financiallyfit/5-money-mistakes-you-might-be-making-and-how-to-avoid-them-1308080/

Farts Facts!

2010-04-29T07:51:00.001+08:00

Enjoy!

Click on the image to see in full size.

GOLD IS NOT A GOOD "INVESTMENT"

2010-04-27T15:45:00.002+08:00

Gold is a lot of things to a lot of people.

To some, it is a threat. To some, it is a "trade". To some others, it is an "investment." And to yet others, it is a store of value, and - oh yeah - some people look at it as a currency, too.

The funny thing is that all of these are correct. Gold is indeed all of the above - but the question is: which function does it fulfill best?

We do know from history that gold has always been the ultimate store of value. We also know that gold has fulfilled its role as currency in a most admirable way - whenever it is allowed to do so without under or overvaluing it, and without government/banker interference.

We also know that gold is a most formidable threat to those who want to cement their power and control over populations by monopolizing the issuance of currency without full accountability to free-market principles.

But what we do not realize is that, as an "investment," gold absolutely sucks.

That may sound like a strange statement coming from me, a vocal gold-advocate. Maybe I am following the lead of Al Greenspan and have completely sold out for a few perks and a little bit of status and some power?

No. Sorry. Nobody has offered me any perks, nor status, nor any kind of power.

I haven't changed my mind on gold, either. I am still as pro-gold, pro-precious metals, and pro-freedom as I ever was. It's just that I have realized that gold is not a good "investment". And that is so not because there is something wrong with gold, but because there is something wrong with whatever it is you get back when you sell your gold "investment."

What do we do when we "invest"?

We exchange some paper (or computer-blip) cash for something else, and then we wait, in the hope that the demand for whatever it is that we bought with our paper will increase over time, or that a supply shortage will happen, or that some other event, like maybe a currency depreciation or planned devaluation will happen, so that we can then, at an opportune time, exchange our "investment" back into cash and make what we normally refer to as a "profit."

Profits are great, don't get me wrong. Everybody wants to make a profit - but what are we really doing here?

The focus of an "investment" is never the thing itself. The thing itself is just a medium, a vehicle for a (hopefully) bigger "return", of whatever we have put into it, at some time in the future. Maybe our return will be ten, twenty, fifty, even one hundred percent. We might even triple or quintuple our initial outlay in the process.

If that ever happens, we hold our heads up high and tell our friends and anyone who can't run fast enough at a dinner party that we "made a killing" on such-and-such in the blankedy-blank market.

But, in the end, we still want the cash. And that's okay. Nothing wrong with that in principle.

The problem is only that, if cash is no longer "king" because

* when your country's currency is rapidly declining in value compared to other currencies,
* and when it is the currency of "the" country that consumes everybody else's products, and for that reason cannot be tolerated by everybody else to so decline in value,

then your hoped-for cash-winnings can run into a bit of a challenge.

This problem gets especially protracted when your currency is also considered the reserve currency of the world, the one the other countries use to underpin their own issues. In that case, a falling value makes these other countries less likely to want to hold your currency on reserve.

Instead, since there is now an alternative, the euro, they prefer to exchange whatever amount of their reserves they can to the new euro currency that has no debt load and is not burdened by a trade and current account deficit like the US is.

This desire to hold euro instead of dollars is tempered by only two things, really:

* They still need dollars to buy oil and most other goods on the international markets, and
* If they export to the US, they cannot allow the dollar to fall too low, or they will lose their ability to get US consumers to buy their products, since a falling dollar makes foreign goods too expensive for Americans.

So particularly the Asian exporters like China, Japan, South Korea, Singapore, Malaysia, etc., are in a difficult situation. The whole world is moving toward the euro, and so are they, but the falling dollar makes it necessary for them to buy dollars and US treasuries to keep their own currencies from rising against the currency of their number one export market.

This creates the well-known phenomenon of "competitive devaluation". Even the EU will at some point be forced to join this game.

What is most significant is that the US itself, for purely structural reasons, currently actually likes it when the dollar drops. The US hopes its own exports will thereby become more attractive, cranking up manufacturing at home, and - hopefully - produce some job growth in the process, and better soon!

The problem: despite the rapid depreciation of the dollar since September, the current account deficit has not contracted. December's figures blew way past what the "experts" predicted ($42 billion, instead of 38, as they thought)

When will this process of competitive devaluations end?

Answer: When it's convenient for the US to support its own currency again.

And when will that be? When the US economy gets strong enough so that it can hold its own and produce jobs in sufficient numbers without a protracted, artificially low interest rate regime.

No sooner, and no later.

The trillion dollar question is: will that moment ever come, and if so, will it come in time?

In other words, is there any chance at all that this can occur before the dollar drops so low that prices start rising so fast and so obviously at homethat even the most carefully massaged domestic CPI numbers will no longer keep Americans carelessly borrowing and spending (and stock-buying) like there's no tomorrow.

The next trillion dollar question is: Even IF that moment comes in time, will it help at all with the US trade and current account imbalance? It doesn't look like it will. If the economy starts adding jobs and Greenspan can raise rates a bit, the dollar will get stronger, which means Americans will buy even more foreign stuff and rack up an even higher deficit. Problems, problems.

Sorry for the detour.

The point of all this is: gold-advocates all share a very dim view of these matters, and of the US' ability to eventually extricate itself from the past decades and decades of rigging and brow-beating of free markets.

So, from that vantage point, the question is: will the dollar ever recover? Will any currency be able to extricate itself from this web of competitive devaluations?

If your answer is "yes" - what are you doing looking at gold? Go and invest in stocks, instead.

If your answer is "no" - what are you doing "investing" in gold - for cash??

What are gold-advocates doing investing in gold, or even worse, trading in gold, when all they will get out of it is what they already know will soon be worth less?

Cash is trash. If you're angling for cash, you are asking to crash. (Do I sound like Dr. Seuss?)

If you "invest" (medium to long term) in gold, you'll get back trash.

If you "trade" (short term) in gold, you'll get back what soon will be trash.

Only if you buy and hold physical gold will you get value in exchange for trash.

Which one is the better bargain?

Yes, of course, cash is what we pay our bills with, so we all need it. But accumulating physical gold is the absolute best way to deal with the current (and future) situation. All currencies will depreciate against gold.

You work to make money. You spend what you need to spend, and the rest you use to buy gold. Do this every month, from now on. When you lose your job or need to liquidate some gold because you don't have enough trash to buy whatever you need in the future, liquidate only what you need, and keep building your "hoard" whenever you can.

By all means, buy some good gold and silver stocks, too - especially of companies that keep metal on reserve instead of cash. Maybe invest in a gold ETF. But make physical your mainstay. That way, you build value. If you don't trade gold, you deprive the enemies of gold of their number-one weapon.

And, what's more, you don't get wobbly knees every time gold dips a bit because some CB official somewhere is spitting hot air at the markets.

Currencies are in a downward spiral; even the "strong ones" will eventually follow. The dollar is no longer as pivotal to the world monetary system as it once was only a few years ago. Because of that, gold is no longer as "repressed" as it once was. It is still being "managed", to be sure, but the direction is now slowly upwards. It is no longer being suppressed at all costs.

That's why gold is not an "investment". It needs to be held for its own sake, not to make a stash of trash.

A suggestion: if your fingers are itchy, and you just have to trade something because it's so exciting, trade stocks. That way, at least you won't play into the hands of the bullion and central banks in their attempts to make gold look like trash - for the time being.

Then, if you're lucky and win in the stock-trading casino, take your winnings off the table and put them into gold. Physical gold, that is. But, when it comes to gold itself, the best advice is:

Don't trade it.

Don't "invest" in it.

Just buy it!

Got gold?

Source: http://www.gold-eagle.com/editorials_04/wallenwein022104.html

These F@#king Guys - Goldman Sachs

2010-04-22T16:38:00.000+08:00

The Daily Show With Jon Stewart

Mon - Thurs 11p / 10c

These F@#king Guys - Goldman Sachs

www.thedailyshow.com

Daily Show Full Episodes

Political Humor

Tea Party

FW: 浴室排水孔是生命線

2010-04-19T13:48:00.000+08:00

救難志工：浴室排水孔是生命線

>> 多位義消、防火宣導和緊急救護志工，昨日在立法院呼籲民眾，平時要學習在火災時如何正確逃生，以避免傷亡。緊急救護志工陳澤淵表示，如果沒辦法逃出去，跳樓反而容易致死，只要躲在浴室把全身噴濕，靠著排水孔的新鮮空氣，就可以等到消防隊員前來救援。
>>
>> 臺北縣蘆洲大火，部分民眾不諳逃生常識導致嚴重傷亡，有些民眾企圖用繩索逃生，結果直接墜下樓。
>>
>> 防火宣導隊志工陳音芝表示，這次火災看到很多民眾不會用逃生器材，平常他們在社區宣導防火常識，在民眾配合意願不高下，很難挨家挨戶順利宣導，甚至有民眾不讓他們進去宣導，如果大家都能有正確防火知識預防火災，就不必付出這麼大的人命成本。

>> 陳澤淵表示，火災時如果沒辦法逃出去，從高樓跳下反而容易致死，這時候應該躲到浴室把全身噴濕，用濕毛巾把門縫堵好，然後身體蹲低讓鼻子盡量靠近排水孔的新鮮空氣，耐心等待消防隊員前來救援，消防隊員逐房搜索時都會先搜索浴室，獲救的機率很高。
>>
> 請轉發出去，救自己也幫助別人

Fwd: If you get RM10.00 in your car door handle

2010-04-12T08:00:00.000+08:00

Forward email:

Dear all,
Do pass this on to your list of people especially women who drive.

If you get RM10.00 in your car door handle, use tissue paper or cloth to remove it without opening it and if possible bag it. Drive away immediately.

Don't check the note until you are in the company of your friends or relatives. The note could either contain powdered drugs to knock you out or make you wonder if some guilty motorist compensating you for a knock or scratch on your car, while you are still wondering, the robber(s) will attack you as you check the car.

This had happened in Johor.

Asia's Susan Boyle

2010-04-08T16:31:00.004+08:00

So what if you fat and ugly, as long as you know your strength and use it wisely, you still be success!

Q1 2010 Public Mutual Performance

2010-04-06T14:56:00.002+08:00

Know your right!

2010-03-30T09:07:00.002+08:00

Head down to nearest post office today, register for voter, know your right!
Vote for your choice, decide the fate of our country!

If you at KL or nearby, do drop by, these people really working hard for this campaign, support them!
http://dosomethingepic.net/

FW: 請讓所有人知道此事‏

2010-03-24T20:30:00.000+08:00

請讓所有人知道此事
大約三個星期前，我在加油站加油。那時大概是晚上十一點半左右；有一部車朝我接近，車內有兩男兩女。

開車的那個男人問我：『妳擦哪種香水？』
我感到有些疑惑，然後我問：『為什麼問這個？』

他說：『我們有在販賣一些較便宜的名牌香水。』
我回答他我身上並沒帶錢。

接著他從車內的一疊紙中抽出一張遞給我，上面寫著很多香水的名稱。我快速的瀏覽一遍之後還給他，並再說明一次我沒錢買。

然後他告訴我沒關係，他們有收支票、現金、或信用卡。
結果車內的其他人開始大笑。

我接著進入我的車子跟他們說謝了不用了。
之後，就在昨天，我收到這封 e-mail ，它讓我整個人都寒起來了。

請仔細閱讀以下這封信。這不是笑話。

希望男性朋友也可以將這件事提醒讓你們的太太、女兒、母親、姊妹等人知曉。

這世界似乎已變得越來越瘋狂了。包裹內放置炸彈和停車場出現販賣香水的神經病。

但請務必要小心。

我昨天下午在停車場，有兩個男人過來問我擦什麼香水。

然後他們接著問我要不要試用一些他們正在販賣的很棒的香水，而且價錢公道。

但是如果我幾個星期前沒有收到一封詐騙的警告信 '要不要聞聞這香水？' ，我真的很有可能去試用。

這兩個男人依然站在車道上，我想等看看有無人經過這裡。

我向前制止了一位正走向他們的女士，指出他們的位置，告訴她有關我收到一封 email 的事。

若是有人在商場或停車場接近妳 , 推銷較便宜的香水要妳聞的話。
'! 這不是香水！那是乙醚！ ' 當你聞到它，你就會昏倒。!

然後他們就會拿走你的皮夾、你身上所有的值錢物品、甚至天知道還有些什麼。

! 如果不是這封信，我很可能會去聞那' 香水 '。

謝謝寄這封信給我的好心朋友，使我免遭到原先有可能遭遇的事。

所以我轉寄這封信給你們。請務必轉寄出去給你所有的女性朋友，並且請提高警覺，注意此類似事件！

如果收到此封信的是男性，請你們轉寄給你們的女性朋友們！

這是真的！相信我，我經驗過！我當時正在停車場上，那時正是午餐時間。

這種事在白天夜晚都有可能發生的。有三個男人走向我。我回到我辦公室時立即報警。

就如上述 email 所說的，' 讓所有人知道此事 ' 。

讓你的朋友、家人、同事、甚至是任何人都知道此事。

因為這封信幫我很大，當時遇到的情況，我的第一個念頭便是此信的警告

Fw: 发生在泰国的真人真事：女生一定要读‏

2010-03-24T20:29:00.001+08:00

[分享] 发生在泰国的真人真事：女生一定要读。
大家好。这是我第一次在这里发帖。
想跟大家分享，我今天收到的一封电邮。是一位泰国朋友转发给我，我读了觉得很难
过，也觉得应该翻译出来，让大家知道发生在泰国的这一桩事。
以下的【我】，是代表原作者。
我不需要把我的名字说出来，接下来的事件，就是我不能把名字说出来的原因。
大概在新年过后的2个星期，我的太太辞去工作，打算换新工作。那天，她就到
Central（曼谷的一间著名购物商场）的一间书局，去找她喜欢看的书。

正当她在看书的时候，有一个年级大概30岁的女人走过来跟我太太攀谈。说，她也喜
欢那类型的书。然后又跟我太太分享几本很好看的书。

整个交谈的过程非常的愉快，过后对方给我他太太她的名卡，而我太太则给了对方电
话号码，因为觉得大家都是女人，防备心就没这么强。
过后，她们常有通电话，最后更相约出来见面聊天喝茶，也顺便借书给我太太看。才
把书交给了我太太，就行色匆匆的离开，说要赶着去上班。
但是这本书，我太太已经读过了，于是我太太就得再约对方出来，以把书还给她。
她们第二次的见面，也是在Central，那时已近中午，对方就约我太太去foodcenter共
进午餐。到了那边，就介绍一位也在那儿坐着等的一位男子，说这是她的同事，这男
子也喜欢读那一类型的书。
男子问我太太要吃什么吗？他可以去买。太太不好意思，就叫了跟他们一样的粿条
汤。而我太太一直说要去买水给大家，但是那个女人就抢先去买了。
吃着吃着，大概吃了半碗，喝了一些水，我太太就觉得有点头晕以及疲累。
再过没几分钟，就无法自控了。那女人就过来扶着我太太。然后告诉那男子，说我太
太可能是晕倒，来我们一起扶她到外面，空气比较好。

那时，我太太说不出话，也几乎站不起来。他们扶着我太太，来到停车场。途中，男
子打电话叫车来，还不到一分钟，一辆 van就到了。

然后，他们两人合力把我太太推上车，然后关上车门。车上还有另外两位男子。
当车子开出去的时候，我太太尝试喊叫，但就是喊不出声。而车上的男子，也用手来
盖住她的嘴巴。
车子开了不久，那位在food center遇到的男子，就开始把我太太的衣服脱下。太太奋
力挣扎，但是却敌不过他们。另外两位男子，也帮忙脱。
接下来的事，恐怕无需我继续描述下去。而那位在书局遇到的女人，就负责拿相机拍
照。也不知过了多久，当再次情形的时候，才发觉自己被丢在油站的厕所。
我去把太太接回家，询问她发生了什么事，但是她什么也不说。只是在家里坐着
哭。。。。。。
就这样过了三天，太太的母亲打电话来说，家里收到一封挂号信。要我去拿。我去到
打开一看，只见有一叠照片，以及被勒索现款40万泰铢，作为赎回照片与底片的费
用。我愣住，什么也说不出。。。只是觉得心很痛、很难过。

我跟父亲以及一位当警察的朋友商讨此事，他们都觉得应该向警方报案。因为这40 万
泰铢对我们两夫妇来说，可不是一笔小数目。我们只是普通的上班族。
在约见交赎金的那天，我们也联通警方的配合，结果成功的捉到2个人。但是只拿到一
部分的照片。

而警方则继续追踪另外的3个人，但是还不确定还有多少照片在对方手上。
不久我也接到他们的党羽的两次电话，恐吓我，他们将会把照片上载到网上。
目前，我太太也没有去上班了。只是在家里难过的坐着，也不想再见任何人了。
而我也不敢到什么地方，一下班我就立刻回家陪她。我们的生活，就只有恐惧、惊
慌、胡思乱想，就像是精神病一样。
因此，我才把我们的经历写出来跟大家分享，
现在，那些【在别人身上建造痛苦，以换来金钱】的做法，已经是很普通的事了。
希望大家在读了这篇文章后，有多一些的警惕。
愿我这次分享的功德，可以为我家庭带来多一些的幸福。
也希望，大家可以转载文章，让更多人可以知道。
谢谢。

Embrace life – always wear your seat belt!

2010-03-11T16:37:00.001+08:00

Embrace life – always wear your seat belt!

Why be a vegetarian?

2010-03-11T16:06:00.001+08:00

Read the pdf below:

http://sites.google.com/site/oudateduncle/Whybeavegetarian.pdf

If you can't be total vegetarian, try to reduce the dairy and meat consumption.

用心祝福身邊所有人事物-感恩

2010-03-04T13:30:00.003+08:00

p/s: see also how I convert the powerpoint to Flash
http://outdatedpenanguncle.blogspot.com/2010/03/free-powerpoint-to-flash-converter.html

E-mail is Making You Stupid

2010-03-03T16:08:00.001+08:00

– Joe Robinson, a business coach and trainer, is the author of “Work to Live” and the audio CD “The Email Overload Survival Kit”. This article originally appeared on Entrepreneur.com –

The research is overwhelming. Constant e-mail interruptions make you less productive, less creative and – if you’re e-mailing when you’re doing something else – just plain dumb.

Within the heart of your company, saboteurs lurk. Disguised as instruments of productivity, they are subverting your staff’s most precious resource: attention. Incessant e-mail alerts, instant messages, buzzing BlackBerrys and cell phones are decimating workplace concentration. The average information worker – basically anyone at a desk – loses 2.1 hours of productivity every day to interruptions and distractions, according to Basex, an IT research and consulting firm.

That time is money. Computer chip giant Intel, for one, has estimated that e-mail overload can cost large companies as much as $1 billion a year in lost employee productivity. The intrusions are constant: each day a typical office employee checks e-mail 50 times and uses instant messaging 77 times, according to RescueTime, a firm that develops time-management software. Such interruptions don’t just sidetrack workers from their jobs, they also undermine their attention spans, increase stress and annoyance and decrease job satisfaction and creativity.

The interruption epidemic is reaching a crisis point at some companies and shows no sign of slowing. E-mail volume is growing at a rate of 66 percent a year, according to the E-Policy Institute. More people are texting. More are using Facebook or Twitter for work.

“It’s worse than it’s ever been,” says Michelle Rupp, owner of NRG Seattle, an insurance brokerage with a staff of 12 who feel pounded by the avalanche of messaging. “It’s so hard to stay focused. Everything bings and bongs and tweets at you, and you don’t think.”

Yes, it is possible to blunt the interruption assault. But business leaders must go on the offensive in a realm most are oblivious to: interruption management.

The Myth of Multitasking

Human brains come equipped with two kinds of attention: involuntary and voluntary. Involuntary attention, designed to be on the watch for threats to survival, is triggered by outside stimuli–what grabs you. It’s automatically rattled by the workday cacophony of rings, pings and buzzes that are turning jobs into an electronic game of Whac-a-Mole. Voluntary attention is the ability to concentrate on a chosen task.

As workers’ attention spans are whipsawed by interruptions, something insidious happens in the brain: Interruptions erode an area called effortful control and with it the ability to regulate attention. In other words, the more you check your messages, the more you feel the need to check them–an urge familiar to BlackBerry or iPhone users.

“Technology is an addiction,” says Gayle Porter, a professor of management at Rutgers University who has studied e-compulsion. “If someone can’t turn their BlackBerry off, there’s a problem.”

The cult of multitasking would have us believe that compulsive message-checking is the behavior of an always-on, hyper-productive worker. But it’s not. It’s the sign of a distracted employee who misguidedly believes he can do multiple tasks at one time. Science disagrees. People may be able to chew gum and walk at the same time, but they can’t do two or more thinking tasks simultaneously.

Say a salesman is trying to read a new e-mail while on the phone with a client. Those are both language tasks that have to go through the same cognitive channel. Trying to do both forces his brain to switch back and forth between tasks, which results in a “switching cost,” forcing him to slow down. Researchers at the University of Michigan found that productivity dropped as much as 40 percent when subjects tried to do two or more things at once. The switching exacts other costs too – mistakes and burnout. One of the study’s authors, David Meyer, asserts bluntly that quality work and multitasking are incompatible.

Brian Bailey and Joseph Konstan of the University of Minnesota discovered that sleeve-tugging peripheral tasks triggered twice the number of errors and jacked up levels of annoyance to anywhere between 31 percent and 106 percent. Their interrupted test workers also took 3 percent to 27 percent more time to complete the reading, counting or math problems. In fact, the harder the interrupted task, the harder it was to get back on track. (A Microsoft study suggests it takes a worker 15 minutes to refocus after an interruption.)

The damaging effects spread well beyond the office cubicle. Kate LeVan, a communications consultant in Evanston, Ill., coaches executives whose brains are so scrambled by electronic interruptions that they stumble during key face-to-face interactions: board meetings, investor pitches, sales presentations. “They can’t have an extended conversation for more than a few minutes,” LeVan says. “That’s the impact of having all this data going back and forth. They have problems in conversation because they can’t focus.”

Here’s how the brain behaves when your attention slips away from a task: The hippocampus, which manages demanding cognitive tasks and creates long-term memories, kicks the job down to the striatum, which handles rote tasks. So the gum-chewing part of the brain is now replying to the boss’s e-mail. This is why you wind up addressing e-mails to people who weren’t supposed to get them. Or sending messages rife with typos.

The striatum is the brain’s autopilot. And no part of your business should be allowed to run on autopilot.

Paying Attention to Paying Attention

In her 2009 book Rapt, Winifred Gallagher argues that humans are the sum of what they pay attention to: What we focus on determines our experience, knowledge, amusement, fulfillment. Yet instead of cultivating this resource, she says, we’re squandering it on “whatever captures our awareness.” To truly learn something, and remember it, you have to pay full attention.

E-interruptions are making it so hard to do that that Google, Microsoft, IBM and Intel are members of the Information Overload Research Group, formed in 2008 to collaborate on research, develop best practices and host forums to share new approaches. It’s self-preservation as much as anything; computer engineers were among the first to show symptoms of e-interruption exposure.

Ten years ago, Harvard Business School’s Leslie Perlow famously chronicled the interruption of a high-tech software company. Its engineers were interrupted so often they had to work nights and weekends. After studying the workplace for nine months, the source of the dysfunction became clear: No one could get anything done because of the bombardment of messages. Perlow came up with an intervention: Quiet Time. For four hours in the morning, the 17 engineers worked alone. All messaging and phone contact was banned. In the afternoon, communication could resume. Given time to concentrate, the engineers got a project for a color printer completed without the graveyard shift.

Intel is using Quiet Time at two of its sites. Other companies, including U.S. Cellular and Deloitte & Touche, have mandated less e-mail use, encouraged more face-to-face contact and experimented with programs such as “no e-mail Friday.” The results often are surprising: employees build rapport with colleagues–and they save time. Co-workers can settle something in a two-minute phone conversation that might have required three e-mails per person. Each change reverberates throughout a company, especially since–as a University of California, Irvine, study found – 44 percent of interruptions an employee experiences are from within the company.

Nearly everyone needs such boundaries to get anything done in this 24/7 work world. Count Chad Willardson among the converted. He’s a senior financial advisor at Merrill Lynch Private Wealth Management Group and operates a financial services practice with a partner for Merrill in Riverside, Calif. He used to check for new messages every five minutes, a potential 96 interruptions during an eight-hour day.

“The more I checked e-mail,” he says, “the more anxious I would feel over every request and question.” Now he checks e-mail manually, and only four times a day at prescribed hours – the schedule that Oklahoma State University researchers describe as optimum. He says he gets a lot more done, is more in control of his calendar and feels much less stressed.

In fact, stress-management seminars often reveal executives driven to wits’ end by their own inboxes. During one session at the aerospace company Lockheed Martin, many managers vented this frustration–until one raised his hand. “It’s not a problem for me,” he said. “I’ve gotten my e-mail checking down to twice a day.”

He explained that his staff knew he preferred to communicate by phone and they don’t send him e-mail unless it’s important that the information be in writing. And because he checked e-mail only twice daily, they had been weaned from the idea that they’d get an instant reply.

Chances are this wasn’t just good for the manager, but for all his employees, too. By modeling interruption-management, he was likely reducing the volume of interruptions throughout his division. Everyone understood that he viewed excessive messages as a drain on his performance – and by extension, theirs.

One thing was clear that day at Lockheed: When the manager volunteered his solution, it was as if he’d levitated. Other managers looked stunned. And envious.

6 Mind-boggling Info about China That May Interest You

2010-03-03T14:06:00.002+08:00

From stocktube.blogspot.com:

#1 » 40% of Chinese small businesses either went bust or almost went bust during crisis

A report mentioned that just after 9 months China claimed its small business sector was surviving the global recession, new figures surprisingly shown that about a whopping 40% of them either failed or close to failing between Nov 2008 and Mar 2009. This is indeed a big headache to the Chinese government who was considering withdrawing the huge stimulus packages late 2010.

While the Chinese Academy of Social Sciences reported 20% of small businesses had crashed and another 20 per cent went "to the brink of bankruptcy" during the climax of the global financial crisis, Chen Naixiang (economist and director of the academy’s research center) also reported that most of the 20% businesses on the brink of failure have been revivied thanks largely to the recovering economy.

#2 » Buy Chinese stocks if you wish to finance Chinese government

China has three main stock exchanges – Shanghai Stock Exchange, Shenzhen Stock Exchange and of course Hong Kong Stock Exchange. Of course unlike Hong Kong Stock Exchange, Shanghai Stock Exchange is still tighly controlled by the Chinese government. The Shanghai and Shenzhen Stock Exchanges have over 1,500 listed companies with combined total market capitalization of US$ 2,658.2 billion (2008) rivaling Hong Kong Stock Exchange (US$ 2,121.8 billion) as Asia’s second largest stock market behind the Tokyo Stock Exchange (US$ 3,925.6 billion).

However eight of the ten top largest stocks are state-controlled companies:

PetroChina (RMB 3,656.20 billion)
Industrial and Commercial Bank of China (RMB 1,417.93 billion)
Sinopec (RMB 961.42 billion)
Bank of China (RMB 894.42 billion)
China Shenhua Energy Company (RMB 824.22 billion)
China Life (RMB 667.39 billion)
China Merchants Bank (RMB 352.74 billion)
Ping An Insurance (RMB 272.53 billion)
Bank of Communications (RMB 269.41 billion)
China Pacific Insurance (RMB 256.64 billion)

#3 » China’s GDP may overtake U.S. as early as 2020

Deutsche Bank’s Chief Economist for Greater China, Jun Ma, told an investment conference in Hong Kong that China's growth will be underpinned by a rapid expansion in emerging market economies, which will account for about 70% of global GDP growth in the coming decade. China will "massively invest" in these emerging economies using its nearly $2 trillion in foreign exchange reserves, extend its leverage by extending loans to the International Monetary Fund and allow the yuan to appreciate in preparation for the currency's potential reserve status.

Jun Ma further added that by early 2020, China’S nominal GDP growth could surpass that of the United States within ten years, a period which will likely be accompanied by a gradual appreciation of the yuan. Ma also expect a final GDP recovery (quarter on quarter basis) to start by middle of 2010 (hopefully this fella is correct).

#4 » By 2025, China will have 10 New York-sized cities

According to a research done by McKinsey Global Institute (MGI) in “Preparing for China’s Urban Billion, China is projected to have a staggering 40 billion square meters of floor space by the year 2025. In another words China will be constructing 20,000 to 50,000 new skyscrapers of which each will be more than 30 floors. This is equivalent to a mind-boggling 10 (ten) New York Cities.

Also by 2025, up to 170 cities in China could meet planning criteria for mass-transit systems – more than twice the current number in Europe. Additionally, China will have up to 5 billion square meters of road and up to 28,000 kilometers of metro rail. China will also need to construct between 700 and 900 Gigawatts of new coal-fired power between 2005 and 2025.

#5 » By 2030, China’s cities will add 350 million people, more than the entire U.S. population

From the same research done by McKinsey Global Institute (MGI), it was projected that China’s urban population will expand from 572 million in 2005 to 926 million in 2025 – an increase of 350 million Chinese city dwellers which is larger than today’s United States entire population. By 2030, China’s urban population will reach 1 billion people.

Urban investment thus will reach over 24 trillion renminbi by 2025 or 93% of total Chinese fixed investment compared with about 79% in 2007. The urban consumption share of GDP will rise from 25% (or 3.9 trillion renminbi) in 2005 to 33% (or 32.7 trillion renminbi) by 2025. The township of Huaxi in the Yangtze River Delta is a great example of how the Chinese government embraced capitalism to lift 300 million people out of poverty during the last 3 decades.

From a farm community with bamboo huts and ox carts in the 1970s, Huaxi is now an industrial and commercial powerhouse with many live in mansions and most have a car with per-capita income of 80,000 yuan (US$ 11,700) making Huaxi the China’s richest village.

#6 » China has cash to buy 20% of S&P500

United States is still worry about China’s military strength. Of course there’s no way China will reveal her real (military) statistic since it’s so fun watching U.S. sending its intelligence gathering information. Can you still remember the detention of 24 U.S. crews after the collision of U.S. EP-3E Aries II spy plane with Chinese fighter jet over the South China Sea back in 2001? United States demanded the return of its spy plane but China said it would only do so after completing its own inspection and collection of evidence. China was having fun stripping the spy plane naked for whatever military technologies or knowhow that China could use.

But the strength of China may lies on its economy after all. Instead of engaging in wars, China may just start buying countries with its huge crates of cash. China’s central bank recorded foreign exchange reserves of US$2.399 trillion as of end 2009 (23% jump compared to 2008) and this was achieved during global crisis, mind you. With this type of money China can buy almost 20% of S&P500, if the Chinese government goes crazy.

Original post: http://stocktube.blogspot.com/2010/03/6-mind-boggling-info-about-china-that.html

47% of our Malaysia stock market is controlled by the Big Boys

2010-03-03T14:03:00.001+08:00

From mystockfolio.blogspot.com:

I've recently made a study on the market value of Malaysia Bursa market. Forgot which date I did it, but roughly last few week. The total market capital of Bursa is 392.6b MYR. To my surprise, even not calculating the institutional buyers like funds, insurance companies,trust fund etc, the percentage of total market capital held by our government or government linked companies are around47% with total around 184.7b MYR.

Here is the breakdown:
LTAT-3.4B
KHAZANAH-66B
LTH-4.3B
EPF-98B
PNB-13B

Well, from the above you would have known, the biggest being EPF,KHAZANAH,PNB.
Let me further breakdown
LTAT held only a few shares,around16, the topholdings being Boustead,Affin,CSCSteel,Aeon,GBH

KHAZANAH, to my surprise, with 66B, it held only around18shares,the biggest being Axiata,CIMB,Tenaga,Plus,Telekom

LTH held around 91shares,the biggest being BIMB,TH plantation,KFC,Pelikan,HapSeng Plantation.

EPF held around 99shares,the biggest being SIME,RHBCAP,TENAGA,CIMB,PBBANK

PNB held around 47shares,the biggest being SIME,MAYBANK,UMW,SP SETIA,MMC CORP

Original post: http://mystockfolio.blogspot.com/2010/03/47-of-our-malaysia-stock-market-is.html

Fowarded email: Con guy at E-gate Penang

2010-03-02T14:49:00.001+08:00

Good day, friends,
During I sent out this e-mail, I purposely do not erase the below history of e-mail is for your cautious and refernce.
This case happened few times at these 2 weeks in E-Gate, Penang ( near to Tesco sea side ).
The car no is PDJ 2584 New Black Toyota Vios. Driver : Young Chinese guy.

----- Original Message -----
From: lion steven quah eng siang
To: CT Soon
Cc: Soon CH
Sent: Thursday, February 25, 2010 6:05 PM
Subject: Re: Con guy at Egate, Penang

oh dear...my daugther's friend got into this and pay him RM800.00 where he claimed that the side mirror comes in pair and this poor young boy just being cheated.
Rgds,
Steven Quah
________________________________________
From: CT Soon
To: CT Soon
Sent: Thu, February 25, 2010 3:15:03 PM
Subject: FW: Con guy at Egate, Penang
Dear Guys…this also happened to my friend yesterday…please be aware!
Please read & take precaution.
From: Bernard
Sent: Thursday, February 25, 2010 12:22 PM
To: Khoo
Subject: Re: FW: Con guy at Egate, Penang

Dear Khoo,

It happend exactly to me on 24th Feb. 2010 I was driving back and a Black Toyota Vios follow me. After I went out from the car , he came to me saying that I hit his side mirror and asking compensation. I did not realize I hit his car at all. I did not pay the damage on the side mirror I "accidentally " hit. Rather , I suggest we report to police. He is getting angry and saying dirty word and drive away. I managed to get the car no and reported this to police already. The car no is PDJ 2584 New Black Toyota Vios. Spread this to your friends...

Regards

Bernard.

On Thu, Feb 25, 2010 at 10:47 AM, Barry Khoo wrote:
Please be pre-alerted that there is a young guy in a black Toyota Vios lurking around Egate and Tesco carpark, claiming that you have accidentally damaged his car while parking yours. After you have parked and walked away, he would approach you and made the claim that you have unknowingly bumped into the side of his car, or hit his light or his side mirror. When you inspect his car, there indeed is the damage.
This guy speaks in Chinese and he would demand for on-the-spot compensation which is a few hundred ringgit-he is known to have asked for RM550!
It has happened to 2 cases, one of which is my family member who had parked in the Egate basement carpark last night.
This guy targets single drivers. Please be careful. He may not be working alone.
Regards
Vivienne

Dead man was asked to pay up income tax 18 years later

2010-02-25T11:36:00.000+08:00

(Two letters referred by this article are appended below)

There was a case recently in which IRAS requested payment and penalty for income tax owned by a dead man. What’s intriguing is that the man was already dead for 18 years. Fortunately, the family members had documentary proof stored in their storeroom that the tax was already paid just one year after the man died (think: the family actually stored this document for 17 years!). IRAS apologised for the mistake in Straits Times forum page. So what’s going on and how to learn from this?

When a person dies, the Personal Representative must pay off all debts before distributing the estate. The estate is the collective assets left behind by the dead person. If there was no Will, the Administrator is responsible that all debts are paid before distribution. To ensure the Administrator does its job, two sureties (guarantors) each having net assets equal or more than the estate are required for estate above $250,000 or if there are beneficiaries who are still minors. If there was any negligent on the part of the Administrator, the sureties are responsible for the financial lost. If there was a Will, the appointed Executor is responsible to use the estate and pay off all debts. No sureties are required. However, if all Executors are not able to act (due to being disabled, dead, missing or simply resign), the procedure will be exactly like as if there was no Will and hence it is called application for Letter of Administrations with Will Annexed. The procedure is the same as if there was no Will except the distribution will follow the Will.

The burden to ensure all debts are paid lies on the Trustee of the estate, which is either the Executor or the Administrator. It is very possible to have creditors come knocking at the door even after 18 years! Like for this recent case, it was the tax man that came knocking at the door after 18 years to ask for tax owned. If the Trustee is unable to proof that the debt was already paid, the Trustee becomes financially liable to pay off this debt. Of course, the Trustee can clawback from the beneficiaries but this is going to be extremely tedious especially if there is more than 1 beneficiary.

Most people do not realise what this means to their family. Most people have not written their Will. As a result, they assume someone in the family will be the Administrator. For married couple, it is always assumed that the surviving spouse will be the one (although this is not guaranteed). As a result, they will place an undue burden on their spouse to manage the estate such as paying off all debts. But as it can be seen by this IRAS example that this burden can last for nearly two decades! I am not sure whether is it wise to leave behind a yoke to be carried by your wife or husband for this long! Not to mention the necessity to store documents in the storeroom for two decades.

For those who have written their Wills, I have seen Wills being written to the detriment of their Executors. They would often appoint a financially and legally challenged Executor. Usually this will also be their own spouse and family members. Again, these Executors will need to carry the burden probably for the rest of their lives such as constantly worry whether all debts have been paid and the need to store documentary proof for 18 years in the storeroom. Very often, Wills written by young couples create implicit trust without them even been advised what this really means to the Executor. An implicit trust is created such as when a beneficiary is still a minor. In this case, the Executor becomes the Trustee of this asset until the beneficiary reaches legal age. The duly of the Trustee is significant because he or she has the fiduciary to ensure the assets are managed to the interest of beneficiaries otherwise the Trustee is financially liable for losses. There are solutions to this but it is not within the scope of this article.

Since the burden is so great on the Administrator and the Executor, estate planning is something which people cannot ignore. Ignoring the need of estate planning is equivalent of saying that you are happy with your wife or children to carry the yoke of being constantly worried for debts of the estate. I am not sure how it feels like to be invoiced by the Inland Revenue Authority of Singapore after 18 years. I think the compounding effect of the penalty imposed will probably give anyone an immediate heart attack!

As for this case, IRAS mentioned that a mistake probably occurred when the cashier order meant to settle the tax arrears of the estate was instead credited to the trustee’s own income tax account. I am not sure what’s going on here but it reminds me of one thing. It is extremely important for a trustee to keep a solid record of accounts to ensure that the assets of the estate do not mixed with the trustee’s own estate. Since it cannot be guaranteed that other third parties will not mix it up, the onus is on the trustee to perform a perfect record keeping.

In Singapore’s context, my empirical estimate is that 99% of the Singapore residents have not done estate planning. For those who have written their Wills, they wrote nonsensical Wills that are not worth the papers printed on. These Wills may be valid but practically nonsense Also, it is a common misconception that estate planning is all about writing a Will. Writing a Will is just one of the tools and yet 99% of who used this tool wrote nonsense. Actually, the best people who can do estate planning are financial planners because estate planning is one of the pillars in financial planning. Unfortunately, estate planning does not involve selling a product and hence there is no commission for doing a thorough estate planning. To the disgrace of the industry, it is a well known fact that estate planning has been abused and used as a tool to sell expensive and unsuitable insurance products.

If you want to do estate planning, make sure the estate planner isn’t going to sell you another useless product. What you need is an estate plan, not product.

You may also wish to read a related article: “Describe the process of a person who dies testate / intestate” http://bit.ly/9A7GRq

Tax letter arrives years after death
MY FAMILY received a letter from the Inland Revenue Authority of Singapore (Iras) in November last year, regarding the estate of my grandfather who died in 1992. The letter was addressed to the trustees of his estate and requested payment of an outstanding tax and penalty for assessment year 1992.

The letter was brief and did not provide any details as to how the amount was reached. Only after calling the officer who wrote the letter, and because of our persistence, did we get another letter this month with a brief statement of account.

Fortunately, my parents had kept the records of payment in the storeroom and we found documentary proof of payment in 1993. But it is puzzling that it took the taxman nearly two decades to alert us.

Carol Ong (Ms)
Feb 13, 2010
Published in Straits Times Forum

Sorry, Iras has explained tax error
I REFER to the letter by Ms Carol Ong, 'Tax letter arrives years after death' (Feb 13).

Ms Ong's family received a letter from us in November last year with regard to the income tax payable by the estate of Ms Ong's grandfather. The case was identified in a recent review of arrears of old cases. Prior to her letter, our staff had been in discussion with Ms Ong and her mother to clear up the matter.

We have since clarified with Ms Ong's family and confirmed that payment had already been made in 1993 by one of the trustees of the estate. However, the payment, in the form of a cashier's order, was credited to the income tax account of the trustee, instead of being used to settle the tax arrears of the estate.

We have explained to Ms Ong how the error may have arisen and would like to apologise to her and her family for the inconvenience.

Deanna Choo (Ms)
Director (Corporate Communications)
Inland Revenue Authority of Singapore
Feb 23, 2010
Published in Straits Times Forum

Original post:
http://www.cpf.gov.sg/imsavvy/blog_post.asp?postid=705870790-66-6957622765

血與火豈能割捨母愛（極度震撼）

2010-02-24T16:15:00.000+08:00

血與火豈能割捨母愛（極度震撼）

作者：姚甦

在我的《非洲奇遇記》中曾經提到過，非洲的尼日爾河流域有一個很大的市場，很特別，整個市場賣的都是野味。有很多野生穿山甲、鱷魚、大號蜥蜴，甚至有賣梅花鹿、斑馬和猴子，這些東西在國內都早已禁售、禁食。

有一次，我們爲了招待國內來考察的官員，特地驅車一百多公里，帶他們一起去採購野味。

鱷魚欄一般人不敢靠近，只叫我的老司機丹尼爾替我們去選購，我們一行人則直接去挑選穿山甲。穿山甲被捕獲以後，出於恐懼或是自衛的本能，總是把軀體緊緊蜷縮著，卷成一圈。

一般購買程式是這樣的：買主選定以後，賣方黑人便用力把穿山甲拉直，開膛破肚，取出內臟丟棄，將身軀清理乾淨，再用鐵夾夾著放到火盆裏烤灼，直到其身體上的鱗甲全部脫落。
那天貨源頗豐，圍欄裏放滿了許多卷成圈的大小不一的穿山甲。那些官員便揀大的挑了幾隻，並聲稱要親眼看著宰殺才放心。

一個黑人小夥子提起最肥的一隻，動作嫺熟地準備把它拉直，費了半天力，卻怎麽也無法把那蜷縮的軀體拉開。

這下所有人大奇，那小夥子十分難堪，便一下又一下把那穿山甲往地面上摔去，邊摔邊解釋說，穿山甲遇痛就會將軀體伸張開。不曾想，連摔幾下，眼見它倔強驚恐的小眼睛早已閉合，尖尖的嘴角挂出一縷鮮紅的血絲，身體卻始終未見張開，反而越蜷越緊。

我們不忍卒睹，便搖手示意作罷。那黑人小夥子兀自不甘心，直接拿鐵鉗夾了放到火盆上灼燒。待到鱗甲脫盡，焦味彌漫，那穿山甲仍然保持原狀。

這下黑人黔驢技窮，對我們無奈地搖搖頭，說這只穿山甲一定有了什麽毛病，不可食用，隨即順手將其甩落在身後的沙土地上。

接下來另選的兩隻宰殺工作都十分順利，不到五分鐘便完成了。我們和黑人正在付錢找錢，卻十分意外地發現，原先那只被丟棄在地上的穿山甲，竟慢慢地伸直了軀體，把眼睛眯開一條線，接著一陣抽搐，僵硬挺直，徹底沒了氣息。

隨著它軀體的伸展，我們震驚地看到，在它攤平的肚皮上，竟蠕動著一隻粉嫩透明的小穿山甲，只有老鼠大小，身上的躋帶，仍與母體相連，小嘴慢慢張合，仿佛在無聲地呼喚著母親。

這場景，驚得所有人目瞪口呆。
刹那間，我只覺得熱血翻湧，鬚髮皆張，幾欲落淚。

那只母穿山甲自身體重不超過十斤，卻用血肉之軀歷經摔打與灼燒，至死護衛著自己的孩子，被烤至半熟，竟還能保得孩子周全。
那份精神之力，早已超越了生命的常規。

看完後，我有很深的感動..天下的媽媽都是一樣的!!!

動物是朋友，不是食物，不是食物，俠之大者，不欺凌弱小，保護動物朋友，請當個素超人吧!

如果短時間內您無法成為素食人，那就請漸進式的改變，地球將因您良善的改變，還原回美麗、物種平衡與和諧。

Show off the money you made with google adsense

2010-02-21T20:59:00.002+08:00

Now everyone can show off the money you made with google adsense, eih? This is a fake report generator, so everyone can claim the method they used are the best methods to make money from adsense.

http://googleadsensegenerator.com/

Uncle went to kitchen

2010-02-20T22:49:00.001+08:00

My mum bought the miku, my wife prepare the mixture, I fried it, heheheheh

http://mummypreasure.blogspot.com/2010/02/miku-french-toast.html

Happy Chinese New Year!

2010-02-13T23:50:00.001+08:00

Happy Chinese New Year to those celebrating. :)
Wish you a very prosperous new year ahead!

You might also interested to visit:
http://outdatedpenanguncle.blogspot.com/
http://anekuanpunboleh.blogspot.com/

Super bowl commercial that I like!

2010-02-11T09:09:00.005+08:00

Two super bowl commercial that I like:

#2 - Google
This Giant tried to tell whole world that google is not for geeks only. It is part of our life already.

#1 - Beaver playing violin
Reach out to your dream?

Also visit my other blog:
http://outdatedpenanguncle.blogspot.com/

Face worms? Warning - do not see video before eating

2010-02-02T20:17:00.003+08:00

Saw this video in facebook, do not watch it before/after eating. Not going to show it here, so it is up to you if you want to look at it or not.
http://www.youtube.com/watch?v=GiHtUFuGgSA

Basically it show that human face/skin contain worms. Not sure how true. But after google around, found some thing.
http://www.museumofhoaxes.com/hoax/weblog/comments/4773/

Most likely it is some hoax. Just don't simply let people to rub things on your face/skin.

寫給兒子的信

2010-01-25T14:58:00.002+08:00

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

2010-01-22T11:52:00.004+08:00

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!

2010-01-20T09:20:00.003+08:00

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

2010-01-15T16:33:00.000+08:00

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?

2010-01-14T08:50:00.003+08:00

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......

2010-01-06T09:36:00.002+08:00

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

Affin Bank Berhad

Affin Investment Bank Berhad

Affin Islamic Bank Berhad

Al Rajhi Banking & Investment Corporation (Malaysia) Berhad

Alliance Bank Malaysia Berhad

Alliance Investment Bank Berhad

Alliance Islamic Bank Berhad

AmBank (M) Berhad

AmInvestment Bank Berhad

AmIslamic Bank Berhad

Asian Finance Bank Berhad

Bangkok Bank Berhad

Bank Islam Malaysia Berhad

Bank Muamalat Malaysia Berhad

Bank of America Malaysia Berhad

Bank of China (Malaysia) Berhad

Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad

CIMB Bank Berhad

CIMB Investment Bank Berhad

CIMB Islamic Bank Berhad

Citibank Berhad

Deutsche Bank (Malaysia) Berhad

ECM Libra Investment Bank

EON Bank Berhad

EONCAP Islamic Bank Berhad

Hong Leong Bank Berhad

Hong Leong Investment Bank Berhad

Hong Leong Islamic Bank Berhad

HSBC Amanah Malaysia Berhad

HSBC Bank Malaysia Berhad

Hwang-DBS Investment Bank Berhad

J.P. Morgan Chase Bank Berhad

KAF Investment Bank Berhad

Kenanga Investment Bank Berhad

Kuwait Finance House (Malaysia) Berhad

Malayan Banking Berhad

Maybank Investment Bank Berhad

Maybank Islamic Berhad

MIMB Investment Bank Berhad

OCBC Bank (Malaysia) Berhad

OSK Investment Bank Berhad

Public Bank Berhad

Public Investment Bank Berhad

Public Islamic Bank Berhad

RHB Bank Berhad

RHB Investment Bank Berhad

RHB Islamic Bank Berhad

Standard Chartered Bank Malaysia Berhad

Standard Chartered Saadiq Berhad

The Bank of Nova Scotia Berhad

The Royal Bank of Scotland Berhad

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.

Scam, be careful!

2009-12-21T08:36:00.000+08:00

http://outdatedpenanguncle.blogspot.com/2009/12/scamagain.html

Haha, I just like this post about facebook!

2009-12-16T17:13:00.002+08:00

I read his blog a lot, mostly for the financial knowledge, but I just couldn't agree enough about this post! Enjoy!

http://malaysiafinance.blogspot.com/2009/12/facebook-makes-me-mad-sometimes.html

Safety!

2009-12-16T11:06:00.000+08:00

Protect your kids with children car seat, do not take any chances.

http://www.kwongwah.com.my/news/2009/12/15/112.html

How to find great deals on eBay (and some other bidding sites)

2009-12-08T14:12:00.002+08:00

http://www.getrichslowly.org/blog/2007/08/02/how-to-get-great-deals-on-ebay

Tips to sell goods in eBay

2009-12-08T13:22:00.002+08:00

http://cribnotes.blogspot.com/2006/02/how-to-sell-on-ebay.html
http://www.getrichslowly.org/blog/2007/10/07/how-to-list-an-ebay-auction-for-maximum-profit/
http://www.getrichslowly.org/blog/2006/05/15/my-ebay-method-thirteen-steps-to-more-profitable-auctions/

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ADV: The Celcom Everyone Sale is back! (Preview)

ADV: Catch Korean Pop Stars live in Malaysia! (Preview)

ADV: ChurpChurp | Social Share » Check out what Berry you are today! (Preview)

ChurpChurp | Social Share » Take the Nestle Wellness Profiler test today! (Preview)

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霎時感動

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Market Wrap 10 01 2010

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Happy Mid Autumn

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Stop complaining la

Do not SMS or text while driving

How to cancel your credit card in Malaysia

Innovative furniture

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Two Suns, really?

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Forward email: ATTENTION :KILLER HOUSE PLANT!

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Don't fall in money trap

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I got lucky!

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These F@#king Guys - Goldman Sachs

FW: 浴室排水孔是生命線

Fwd: If you get RM10.00 in your car door handle

Asia's Susan Boyle

Q1 2010 Public Mutual Performance

Know your right!

FW: 請讓所有人知道此事‏

Fw: 发生在泰国的真人真事：女生一定要读‏

Embrace life – always wear your seat belt!

Why be a vegetarian?

用心祝福身邊所有人事物-感恩

E-mail is Making You Stupid

生活小窍门居家必备