* 健康軒 2010-11-28 15:30
(Source: http://ladyzone.sinchew-i.com/node/2332, accessed 2010-11-30)
最近網上流傳一則新聞，講述一名新加坡女子不幸罹患初期乳癌，可是她購買的三項醫療和危疾保險卻未能作出理賠，這讓她感到百思不得其解，到底問題出在哪里？
追根究底，原來是消費人在簽下保單時，往往對保單的內容不求甚解，影響日後的索賠程序，基於個人的疏忽而徒添失望。
和一般人士一樣，這名女子以為購買的越多保險，獲得的保障就越多，而且她每月須繳付高達600新元的保費。
就在今年6月，她不幸被診斷患上初期乳癌，經歷12小時的手術後，她總算保住了自己性命。手術康復後，她立刻向有關保險公司提出危疾保險的索賠申請，於是將有關病例和相關手續呈交保險公司。
然而，她的索賠申請被拒絕了。經過向保險經紀員的再三查問，她才發現早前簽下的保單是不涵蓋“乳管原位癌（Ductal Carcinoma in Situ，簡稱DCIS）”的疾病，這疾病是發生於乳管的一種非侵犯性（noninvasive）的極早期乳癌。
她以為購買了3項醫療和危疾保險，就可以在任何情況下獲得保障，但是事實並非如她所想象。大馬保誠保險產品及行銷總裁邢詒旺針對上述事件表示，顧客在考慮購買保單時，應向保險業務人員了解每一個細節和詳情，以免日後在申請索賠的時候碰釘子。
“至於危疾保險的理賠事宜，每個國家都是根據統一的標準作為理賠的原則。在大馬，危疾保險是根據大馬壽險協會（LIAM）所制定的“危疾”定義作為理賠標準。”
他舉例，原位癌DCIS是屬于非侵犯性的早期癌癥，並不被列入在危險疾病的定義范圍中，因此若投保人的危疾保險沒有涵蓋原位癌的保障，保險公司有權利不做出任何理賠。
他呼吁大眾在購買疾病保險時，切記弄清楚自己想要獲得怎樣的保障，才決定購買那一種保險計劃。消費人在簽保之前，可以要求保險代理員一一解釋保單的所有保障、不保事項、索賠數額、條款及細則等等，以免發生不愉快的事情。
核對醫療保險計劃清單
考慮購買醫療保險時，您應該向保險業務員查詢的問題：
1. 我可以獲得什么保障?住院和手術保險、疾病保險、住院入息保險計劃、收入損失保險（Disability income plan)還是保障女性的醫療保險。
2. 我的保障期有多久、是否設有最高保障限額？了解所有保障、不保事項、條款及細則，尤其向保險經紀員了解不承保的事項，以讓索賠過程順利進行。
3. 我的醫療保險是否屬于共同保險（co-insurance)？共保是指保險人和投保人共同承擔賠償金，例如若以10/90的方式進行，即保險公司付90%的費用，投保人只須付其余10%。
4. 我的家庭成員患有心臟病的歷史，我是否應該如實申報病歷？當購買醫療保險時，應該如實地申報病歷。若投保人沒有申報有關病歷，日後若被診斷相同病情，保險公司有權力不做出任何理賠。
5. 若保單不适合該怎么辦？所有保險公司都有提供“15日審閱期”，要是在指定期間發現新保單不合適，保險公司將原銀奉還您的保費。須符合條規。
6. 我該在什么時候購買醫療保單？醫療保險計劃愈早作出部署愈好，並建議一年一次定期檢討本身的計劃以應付通貨膨脹、醫藥費高漲等問題。若有需要，可考慮加保以獲更全面的保障。
PRUlady讓妳從容面對生活起落
邢詒旺指出，保誠保險旗下有特別為女性而設的PRUlady智慧女性保障計劃，為女性提供全面保障。
保障包括一般女性疾病、腎炎引發的全身性紅斑狼瘡、因意外而接受面部修正外科、乳房或子宮頸原位癌和妊娠并發癥及初生嬰兒等保障項目。
此外，此計劃的保障也包括因意外燒傷或患皮膚癌而需接受植皮手術，投保人可靈活選擇所需要的保障，因應自己的需要充分運用金錢，更符合經濟原則。
PRUlady智慧女性保障計劃也支付各式人生的重大利益，包括結婚利益、分娩利益、解雇利益、離婚利益及喪偶利益。於滿期日，該計劃將在扣除之前曾經做出的任何索賠後，退還所有繳交的保費餘額。
Tuesday, November 30, 2010
Wednesday, November 3, 2010
LATEST CON JOB IN SINGAPORE
Just happen in Singapore ...
Hi everyone,
I want to let you all know that Frank and I have been the victims of credit card fraud this week and felt I should warn you all about the clever scam.. It works like this:
Last Wednesday I had a phone call late morning from Express Couriers to ask if I was going to be home as he had a delivery for me. He said he would there in roughly an hour. He turned up with a beautiful basket of flowers and wine. I expressed my surprise as I wasn't expecting anything like this and said I was intrigued to know who was sending me such a lovely gift. He said he was only delivering the gift and the card was being sent separately (the card has never arrived).There was a consignment note with the gift.
He went on to explain that because the gift contained alcohol he has to charge the recipient $3.50 as proof that he has actually delivered to an adult, and not left it on a door step if the recipient is out, to be stolen or taken by children. This seemed logical and I offered to get the cash.
He then said that the company required the payment to be by EFTPOS so he's not handling cash and everything is properly accounted for.
Frank was there and got his credit card and 'John' swiped the card on this small mobile machine that also had a small screen upon which Frank entered in his pin number. A receipt was printed out and given to us.
Between last Thursday and Monday $4,000 was withdrawn from our credit account at ATM machines in the north shore area. It appears a dummy credit card was made using the details in the machine and of course, they had Frank's pin number. The Bank has stopped our cards and I've been to the Police this morning, where they confirmed that it is a definite scam and many households were hit during the first 3 days of October.
So PLEASE be wary of accepting a gift you're not expecting especially if the card is not with it. We've all received gifts like this and would never dream that it could be such a despicable act. Please also let other female friends and relatives know. Hopefully, these fraudsters have ceased this activity by now but you never know.
Hi everyone,
I want to let you all know that Frank and I have been the victims of credit card fraud this week and felt I should warn you all about the clever scam.. It works like this:
Last Wednesday I had a phone call late morning from Express Couriers to ask if I was going to be home as he had a delivery for me. He said he would there in roughly an hour. He turned up with a beautiful basket of flowers and wine. I expressed my surprise as I wasn't expecting anything like this and said I was intrigued to know who was sending me such a lovely gift. He said he was only delivering the gift and the card was being sent separately (the card has never arrived).There was a consignment note with the gift.
He went on to explain that because the gift contained alcohol he has to charge the recipient $3.50 as proof that he has actually delivered to an adult, and not left it on a door step if the recipient is out, to be stolen or taken by children. This seemed logical and I offered to get the cash.
He then said that the company required the payment to be by EFTPOS so he's not handling cash and everything is properly accounted for.
Frank was there and got his credit card and 'John' swiped the card on this small mobile machine that also had a small screen upon which Frank entered in his pin number. A receipt was printed out and given to us.
Between last Thursday and Monday $4,000 was withdrawn from our credit account at ATM machines in the north shore area. It appears a dummy credit card was made using the details in the machine and of course, they had Frank's pin number. The Bank has stopped our cards and I've been to the Police this morning, where they confirmed that it is a definite scam and many households were hit during the first 3 days of October.
So PLEASE be wary of accepting a gift you're not expecting especially if the card is not with it. We've all received gifts like this and would never dream that it could be such a despicable act. Please also let other female friends and relatives know. Hopefully, these fraudsters have ceased this activity by now but you never know.
FRAUD TACTICS
Someone shared the following cases :
(1) Today I passed by a building which has an ATM machine. There was an old man looking at me. Suddenly, he called me. He said he didn't know how to read, so he gave me his ATM card and asked me to help him withdraw money from the ATM machine. I answerd 'NO!! If you need help, ask the security to help you.' Then he said 'nevermind..' and continued to find other people to help him...
REMEMBER : ATM machines have CCTVs. If you help him he will later claim that you have robbed him or stolen his ATM card. Besides, his ATM card could
be a stolen one. So please be careful of these tactics.
(2) Suddenly your house lights go off. From your window you find that your neighbours still have lights. So you go out of your house to check the Meter Box. But once you open the door, a knife will be pointing at you and preventing you from closing it. This is when you will be robbed and injured.
REMEMBER : Even though your electricity suddenly goes off, DO NOT open your door immediately. Look around to see if there is anything unusual
or if there is any noise around.
(3) This is another incident. You may have heard it before, it is about a lady who she saw a kid crying by the roadside. When she spoke to the kid, the kid told her he was lost and wanted her to take him home. The kid even gave her a paper with his house address. So she took him home. But when she rang the door bell, she had an electric shock. Later when she woke up, she was naked in an empty room.
REMEMBER : Being such a compassionate and helpful person might not be a good thing these days. Pass this on and girls, please be careful..
DON'T BE TOO KIND!!
(4) One day, there was an old lady outside my house holding 2 packets of sweets. At first I thought she was our neighbour and wanted to give us these packs of sweets as a gift. But then when she spoke, I can realised that she was foreigner. I could not understand what she was talking about. I guessed she must be asking for money. I sensed there was something wrong and immediately closed the door and ignored her. Later, I found she and an accomplice robbed someone else down the road.
(5) I was at the ATM machine to withdraw some money. Behind me, there was an old lady. She asked me whether I was able to withdraw my money because she said she had problem with her machine.
Suddenly a small girl came up beside me. The small girl was squeezing in front of me. I thought she was just naughty and playful. But then, the small girl put her hand at the tray of the ATM machine where the money comes out, ready to take away my money. I sensed something wrong and immediately pushed her away. Later I realised that the small girl and the old lady worked together. She was trying to steal my money while the old lady was trying to distract my attention by asking me questions!
REMEMBER: BE VERY CAREFUL when you are at an ATM machine and be alert.
Look out for anyone suspicious around you!
(6) My parents are retired and stay at home most days. One afternoon, a young stranger went to their house and said his motorcycle had no more petrol and the petrol station was too far for him to push his bike there. So he asked my parents for an empty coke bottle to buy some petrol. He said he will pay RM2 for the bottle. So my mum took one coke bottle for him. He really took out the money from his pocket, but it was a RM 100 note. He told my mum he had no small change and asked my mum to give him the change. Luckily my mum was smart. She just told him to take it for free.
REMEMBER : obviously that note is fake!! Who would want to pay for RM2 for an empty coke bottle!! It's very OBVIOUS that that stranger is a trickster.
(7) This happened in Bali. A newly married couple were having their honeymoon at the hotel. When both are in the changing room, the wife suddenly went missing. The husband was very anxious and went around to find her. He asked the hotel staff to help him find her. Then he thought his wife was just playing hide and seek. So he went back and waited for his wife. After a few hours, he decided to call the police. 3 weeks passed and there was still no news about his missing wife. So he went back and was very disappointed and sad.
A few years later, he came back to Bali, to watch a 'FREAK SHOW' in an old house. He saw a dirty and rusty metal cage.
Inside there was a lady without limbs. Her body including the face was full of scars. When he had a closer look at her face, he was shocked to find that it was her missing wife put there as a means for begging.
(8) This happened in Shanghai. A few years ago, a lady reported to the police that her cousin sister was missing in the shopping complex. But after 5 years, one of her friends found her cousin sister begging at the road side one of the streets in Bangkok, Thailand. The worst thing is that her cousin sister has no more limbs and her body was tied to a lamp post with a shackle (metal chain).
(9) Let's just shorten this story. DO NOT open your house door when you hear the sound of a BABY CRYING!! It might be a trap! Women in the house must be alert to this trick. The police said it is the work of a robber or murderer using the recording of a baby crying to attract your attention.
This normally happens at night and when you are alone in the house.
(10) I read an email that was sent by my friend. Her friend, known as A, went to Luo Hu CommercialCitywith 2 friends, B and C. Luo Hu Commercial City is the Shenzhen counterfeit goods distribution center. There are many people there. It's also near to the ShenZhen train station and Hong Kong's
Luo Hu Port.
C went to the toilet at the shopping centre while A and B waited outside. After waiting for a long, time they felt uneasy and went into the toilet to look for her. When they went in, there was nobody inside. Both were scared and they called C's phone. There was no reply. So they reported to the police. The police asked them whether they had seen any boby suspicious going into the toilet. Both said there were none and its impossible to bring a life person out of the toilet without them noticing!...
Then A remembered seeing a cleaner pushing a trolley in, and then coming out. The police told them that was not the 1st time such a thing happened. The police suspected a gang of criminals who were always attacking women in the the toilet of shopping complexes. They use cleaners to kidnap people to harvest their organs for sale.
REMEMBER : please be careful when using the toilet. Do not go to the wash room or toilet ALONE!! Please at least have a partner with you.
(1) Today I passed by a building which has an ATM machine. There was an old man looking at me. Suddenly, he called me. He said he didn't know how to read, so he gave me his ATM card and asked me to help him withdraw money from the ATM machine. I answerd 'NO!! If you need help, ask the security to help you.' Then he said 'nevermind..' and continued to find other people to help him...
REMEMBER : ATM machines have CCTVs. If you help him he will later claim that you have robbed him or stolen his ATM card. Besides, his ATM card could
be a stolen one. So please be careful of these tactics.
(2) Suddenly your house lights go off. From your window you find that your neighbours still have lights. So you go out of your house to check the Meter Box. But once you open the door, a knife will be pointing at you and preventing you from closing it. This is when you will be robbed and injured.
REMEMBER : Even though your electricity suddenly goes off, DO NOT open your door immediately. Look around to see if there is anything unusual
or if there is any noise around.
(3) This is another incident. You may have heard it before, it is about a lady who she saw a kid crying by the roadside. When she spoke to the kid, the kid told her he was lost and wanted her to take him home. The kid even gave her a paper with his house address. So she took him home. But when she rang the door bell, she had an electric shock. Later when she woke up, she was naked in an empty room.
REMEMBER : Being such a compassionate and helpful person might not be a good thing these days. Pass this on and girls, please be careful..
DON'T BE TOO KIND!!
(4) One day, there was an old lady outside my house holding 2 packets of sweets. At first I thought she was our neighbour and wanted to give us these packs of sweets as a gift. But then when she spoke, I can realised that she was foreigner. I could not understand what she was talking about. I guessed she must be asking for money. I sensed there was something wrong and immediately closed the door and ignored her. Later, I found she and an accomplice robbed someone else down the road.
(5) I was at the ATM machine to withdraw some money. Behind me, there was an old lady. She asked me whether I was able to withdraw my money because she said she had problem with her machine.
Suddenly a small girl came up beside me. The small girl was squeezing in front of me. I thought she was just naughty and playful. But then, the small girl put her hand at the tray of the ATM machine where the money comes out, ready to take away my money. I sensed something wrong and immediately pushed her away. Later I realised that the small girl and the old lady worked together. She was trying to steal my money while the old lady was trying to distract my attention by asking me questions!
REMEMBER: BE VERY CAREFUL when you are at an ATM machine and be alert.
Look out for anyone suspicious around you!
(6) My parents are retired and stay at home most days. One afternoon, a young stranger went to their house and said his motorcycle had no more petrol and the petrol station was too far for him to push his bike there. So he asked my parents for an empty coke bottle to buy some petrol. He said he will pay RM2 for the bottle. So my mum took one coke bottle for him. He really took out the money from his pocket, but it was a RM 100 note. He told my mum he had no small change and asked my mum to give him the change. Luckily my mum was smart. She just told him to take it for free.
REMEMBER : obviously that note is fake!! Who would want to pay for RM2 for an empty coke bottle!! It's very OBVIOUS that that stranger is a trickster.
(7) This happened in Bali. A newly married couple were having their honeymoon at the hotel. When both are in the changing room, the wife suddenly went missing. The husband was very anxious and went around to find her. He asked the hotel staff to help him find her. Then he thought his wife was just playing hide and seek. So he went back and waited for his wife. After a few hours, he decided to call the police. 3 weeks passed and there was still no news about his missing wife. So he went back and was very disappointed and sad.
A few years later, he came back to Bali, to watch a 'FREAK SHOW' in an old house. He saw a dirty and rusty metal cage.
Inside there was a lady without limbs. Her body including the face was full of scars. When he had a closer look at her face, he was shocked to find that it was her missing wife put there as a means for begging.
(8) This happened in Shanghai. A few years ago, a lady reported to the police that her cousin sister was missing in the shopping complex. But after 5 years, one of her friends found her cousin sister begging at the road side one of the streets in Bangkok, Thailand. The worst thing is that her cousin sister has no more limbs and her body was tied to a lamp post with a shackle (metal chain).
(9) Let's just shorten this story. DO NOT open your house door when you hear the sound of a BABY CRYING!! It might be a trap! Women in the house must be alert to this trick. The police said it is the work of a robber or murderer using the recording of a baby crying to attract your attention.
This normally happens at night and when you are alone in the house.
(10) I read an email that was sent by my friend. Her friend, known as A, went to Luo Hu CommercialCitywith 2 friends, B and C. Luo Hu Commercial City is the Shenzhen counterfeit goods distribution center. There are many people there. It's also near to the ShenZhen train station and Hong Kong's
Luo Hu Port.
C went to the toilet at the shopping centre while A and B waited outside. After waiting for a long, time they felt uneasy and went into the toilet to look for her. When they went in, there was nobody inside. Both were scared and they called C's phone. There was no reply. So they reported to the police. The police asked them whether they had seen any boby suspicious going into the toilet. Both said there were none and its impossible to bring a life person out of the toilet without them noticing!...
Then A remembered seeing a cleaner pushing a trolley in, and then coming out. The police told them that was not the 1st time such a thing happened. The police suspected a gang of criminals who were always attacking women in the the toilet of shopping complexes. They use cleaners to kidnap people to harvest their organs for sale.
REMEMBER : please be careful when using the toilet. Do not go to the wash room or toilet ALONE!! Please at least have a partner with you.
Monday, November 1, 2010
EPF Rules
If ONE (1) of your Nominees in the EPF Nominees list dies, automatically the whole arrangement (EPF Nominees list) is VOID .. Meaning if, you only put in One (1) name & unfortunately he/she dies before you - automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Even though if you have few names in the EPF Nominees list, - the whole arrangement is VOID & none of the individual names left in the EPF Nominees list will get their portion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Piece of advice - if any of the your Nominees in the EPF Nominees list dies, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & register your NEW / LATEST Nominee in the EPF Nominees list + NEW / LATEST percentage .
If, you & the other party (maybe spouse) involved in the same misfortune (accident / illness) that caused death to both yourself / spouse please, please, please alert your siblings / relatives / parents to immediately approach the nearest EPF counter & share the information within 3 days to AVOID all EPF money to be surrendered to trustee of AMANAH RAYA .
Upon surrender to trustee of AMANAH RAYA, your children will have to battle the money thru 3 channels;
Majlis Agama
Pejabat Tanah
Mahkamah
The normal period via above 3 channels usually takes 2-3 years (except if you have inside/tip top connection) at Amanah Raya.
Even though if you have few names in the EPF Nominees list, - the whole arrangement is VOID & none of the individual names left in the EPF Nominees list will get their portion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Piece of advice - if any of the your Nominees in the EPF Nominees list dies, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & register your NEW / LATEST Nominee in the EPF Nominees list + NEW / LATEST percentage .
If, you & the other party (maybe spouse) involved in the same misfortune (accident / illness) that caused death to both yourself / spouse please, please, please alert your siblings / relatives / parents to immediately approach the nearest EPF counter & share the information within 3 days to AVOID all EPF money to be surrendered to trustee of AMANAH RAYA .
Upon surrender to trustee of AMANAH RAYA, your children will have to battle the money thru 3 channels;
Majlis Agama
Pejabat Tanah
Mahkamah
The normal period via above 3 channels usually takes 2-3 years (except if you have inside/tip top connection) at Amanah Raya.
Beware of ID theft in a Hotel via their card key...Caution!
Always take a small magnet on your holiday, they come in handy at the end of it.
Thought you all needed to know this
This is pretty good info. Never even thought about key cards containing anything other than an access code for the room!
HOTEL KEY CARDS
Ever wonder what is on your magnetic key card?
Answer:
a. Customer's name
B. Customer's partial home address
c. Hotel room number
d. Check-in date and out dates
e. Customer's credit card number and expiration date!
When you turn them in to the front desk your personal information is there for any employee to access by simply scanning the card in the hotel scanner.. An employee can take a hand full of cards home and using a scanning device, access the information onto a laptop computer and go shopping at your expense.
Simply put, hotels do not erase the information on these cards until an employee reissues the card to the next hotel guest. At that time, the new guest's information is electronically 'overwritten' on the card and the previous guest's information is erased in the overwriting process.
But until the card is rewritten for the next guest, it usually is kept in a drawer at the front desk with YOUR INFORMATION ON IT!
The bottom line is: Keep the cards, take them home with you, or destroy them. NEVER leave them behind in the room or room wastebasket, and NEVER turn them into the front desk when you check out of a room. They will not charge you for the card (it's illegal) and you'll be sure you are not leaving a lot of valuable personal information on it that could be easily lifted off with any simple scanning device card reader.
For the same reason, if you arrive at the airport and discover you still have the card key in your pocket, do not toss it in an airport trash basket. Take it home and destroy it by cutting it up, especially through the electronic information strip!
If you have a small magnet, pass it across the magnetic strip several times. Then try it in the door, it will not work. It erases everything on the card.
Thought you all needed to know this
This is pretty good info. Never even thought about key cards containing anything other than an access code for the room!
HOTEL KEY CARDS
Ever wonder what is on your magnetic key card?
Answer:
a. Customer's name
B. Customer's partial home address
c. Hotel room number
d. Check-in date and out dates
e. Customer's credit card number and expiration date!
When you turn them in to the front desk your personal information is there for any employee to access by simply scanning the card in the hotel scanner.. An employee can take a hand full of cards home and using a scanning device, access the information onto a laptop computer and go shopping at your expense.
Simply put, hotels do not erase the information on these cards until an employee reissues the card to the next hotel guest. At that time, the new guest's information is electronically 'overwritten' on the card and the previous guest's information is erased in the overwriting process.
But until the card is rewritten for the next guest, it usually is kept in a drawer at the front desk with YOUR INFORMATION ON IT!
The bottom line is: Keep the cards, take them home with you, or destroy them. NEVER leave them behind in the room or room wastebasket, and NEVER turn them into the front desk when you check out of a room. They will not charge you for the card (it's illegal) and you'll be sure you are not leaving a lot of valuable personal information on it that could be easily lifted off with any simple scanning device card reader.
For the same reason, if you arrive at the airport and discover you still have the card key in your pocket, do not toss it in an airport trash basket. Take it home and destroy it by cutting it up, especially through the electronic information strip!
If you have a small magnet, pass it across the magnetic strip several times. Then try it in the door, it will not work. It erases everything on the card.
Tuesday, October 26, 2010
Flag this message I Am Mrs.Sahra Johnson Responds Urgent
From my Junk Mail, surprisingly a lot of people still fall victim to this type of skin deep cheap trick...
Dear Sir.
This is Mrs.Sahra Johnson from Namibia but presently in France for operation. I have a donation to make which I will need your assistance to carry it out for me, I will be 62 years old this coming August 17, a widow and a servant of the Lord for the past 38 years in Ivory Coast .
I inherited some money ($9.121, 000) from my late Husband Mr.Hugo Johnson.I want to give it out to Orphanage and Charity Organisations as a vow which I made before the Lord.I have a lung and breast cancer and will be having operation next two weeks, though the doctors already confirmed I only have some months to live but I am happy and glad that the Lord has kept me safe and guided me to accomplish my mission on earth. I will be happy to meet Him where He wants me to be.
I want you to contact this Nurse Miss Gladys Aruna I have given her the documents of the money and have directed her to a lawyer that will assist you to change the documents of the money to your name to enable the bank transfer the money to you.
Miss Gladys Aruna.
Email: gladysaruna@yahoo.co.jp
She will give you the documents of the money and will direct you to the lawyer I have appointed to her; the lawyer will assist you to change the documents of the money to your name for the bank totransfer the money to you.
This is the favour I need when you have gotten the money:
(1) Give 10% of the money to Miss Gladys Aruna as a promise Imade to her.
(2) Give 50% of the money to Charity organizations, orphanage homesand Churches on my name so that my soul may rest in peace.
The remaining 40% should be for you and others that you would loveto assist.
And if I don't hear from you within few days, I will look for another person. May God bless you and use you to accomplish my wish.
Pray for me always.
Mrs.Sahra Johnson
Dear Sir.
This is Mrs.Sahra Johnson from Namibia but presently in France for operation. I have a donation to make which I will need your assistance to carry it out for me, I will be 62 years old this coming August 17, a widow and a servant of the Lord for the past 38 years in Ivory Coast .
I inherited some money ($9.121, 000) from my late Husband Mr.Hugo Johnson.I want to give it out to Orphanage and Charity Organisations as a vow which I made before the Lord.I have a lung and breast cancer and will be having operation next two weeks, though the doctors already confirmed I only have some months to live but I am happy and glad that the Lord has kept me safe and guided me to accomplish my mission on earth. I will be happy to meet Him where He wants me to be.
I want you to contact this Nurse Miss Gladys Aruna I have given her the documents of the money and have directed her to a lawyer that will assist you to change the documents of the money to your name to enable the bank transfer the money to you.
Miss Gladys Aruna.
Email: gladysaruna@yahoo.co.jp
She will give you the documents of the money and will direct you to the lawyer I have appointed to her; the lawyer will assist you to change the documents of the money to your name for the bank totransfer the money to you.
This is the favour I need when you have gotten the money:
(1) Give 10% of the money to Miss Gladys Aruna as a promise Imade to her.
(2) Give 50% of the money to Charity organizations, orphanage homesand Churches on my name so that my soul may rest in peace.
The remaining 40% should be for you and others that you would loveto assist.
And if I don't hear from you within few days, I will look for another person. May God bless you and use you to accomplish my wish.
Pray for me always.
Mrs.Sahra Johnson
Thursday, October 21, 2010
Be careful when you share your table in restaurants
This is sent to me by my sister Lily, so I just copy and paste it here...
I was with a relative of mine today having a cup of coffee in Ampang. My relative had a very bad experience that I want to share with all of you. Last week in the morning, he was having coffee at one of those famous coffee outlets. A stranger asked to share his table and he agreed. During light, polite conversation, my relative sipped his coffee, and commented that it was bitter.
The next thing he knew he was in Ampang Puteri Hospital . He completely blanked out!
He later found out that his coffee was spiked (drugged) and his bank account was cleaned out – the culprit used his ATM card (he thinks that he must have given the PIN number while in a state of being drugged.)
So please ladies and gentleman, do not assume that your drinks can only get spiked in bars and clubs – it seems that now it has spread to innocent coffee shops and cafe
Please take care and be careful and alert at all times. Life is hard enough, don’t make it any harder for yourselves or your family and friends. Thank you.
Best Regards,
Putri Teh Soraya Denney
Chief Executive Officer/President
Amsito Oilwell Services (M) Sdn. Bhd.
Lot C 10-2
Jalan Ampang Utama 1/1
Off Jalan Ampang
68000 Ampang
Selangor Darul Ehsan , West Malaysia
Tel: +603-4257 3017/3564/3917
Fax: +603-4257 3716
E-mail: ptsd2@amsito.com
I was with a relative of mine today having a cup of coffee in Ampang. My relative had a very bad experience that I want to share with all of you. Last week in the morning, he was having coffee at one of those famous coffee outlets. A stranger asked to share his table and he agreed. During light, polite conversation, my relative sipped his coffee, and commented that it was bitter.
The next thing he knew he was in Ampang Puteri Hospital . He completely blanked out!
He later found out that his coffee was spiked (drugged) and his bank account was cleaned out – the culprit used his ATM card (he thinks that he must have given the PIN number while in a state of being drugged.)
So please ladies and gentleman, do not assume that your drinks can only get spiked in bars and clubs – it seems that now it has spread to innocent coffee shops and cafe
Please take care and be careful and alert at all times. Life is hard enough, don’t make it any harder for yourselves or your family and friends. Thank you.
Best Regards,
Putri Teh Soraya Denney
Chief Executive Officer/President
Amsito Oilwell Services (M) Sdn. Bhd.
Lot C 10-2
Jalan Ampang Utama 1/1
Off Jalan Ampang
68000 Ampang
Selangor Darul Ehsan , West Malaysia
Tel: +603-4257 3017/3564/3917
Fax: +603-4257 3716
E-mail: ptsd2@amsito.com
Tuesday, October 5, 2010
CREDIT CARDS
SCENE 1.
People sure stay busy trying to cheat us, don't they?
A friend went to the local gym and placed his belongings in the locker.
After the workout and a shower, he came out, saw the locker open, and thought to himself, "Funny, I thought I locked the locker. Hmm, "He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place.
A few weeks later his credit card bill came - a whooping bill of $14,000!
He called the credit card company and started yelling at them, saying that he did not make the transactions.
Customer care personnel verified that there was no Mistake in the system
and asked if his card had been stolen. "No," he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet.
The thief broke into his locker at the gym and switched cards.
Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy?
$9,000! Why were there no calls made to verify the amount swiped?
Small amounts rarely trigger a "warning bell" with some credit card companies.
It just so happens that all the small amounts added up to big one!
SCENE 2.
A man at a local restaurant paid for his meal with his credit card.
The bill for the meal came, he signed it,and the waitress folded the receipt and passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under the watchful eye of the man.
All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card.
No exchange of words --- nothing! She took it and came back to the man with an apology.
Verdict: Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time.
Many people just take back the credit card without even looking at it, "assuming" that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
SCENE 3:
Yesterday I went into a pizza restaurant to pick up an order that I had called in.
I paid by using my Visa Check Card which, of course, is linked directly to my checking account.
The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure.
While he waited, he picked up his cell phone and started dialing.
I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture.
He then gave me back my card but kept the phone in his hand as if he was still pressing buttons.
Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on.
It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing.
He set his phone on the counter, leaving it open.
About five seconds later, I heard the chime that tells you that the picture has been saved.
Now I'm standing there struggling with the fact that this boy just took a picture of my credit card.
Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened.
Needless to say, I immediately canceled that card as I was walking out of the pizza parlor.
All I am saying is, be aware of your surroundings at all times.
Whenever you are using your credit card take caution and don't be careless.
Notice who is standing near you and what they are doing when you use your card.
Be aware of phones, because many have a camera phone these days.
When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off.
Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there.
I have already been a victim of credit card fraud and, believe me, it is not fun. The truth is that they can get you even when you are careful, but don't make it easy for them.
(Forwarded by: Dicala, Wednesday, July 4, 2007 6:48 AM)
People sure stay busy trying to cheat us, don't they?
A friend went to the local gym and placed his belongings in the locker.
After the workout and a shower, he came out, saw the locker open, and thought to himself, "Funny, I thought I locked the locker. Hmm, "He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place.
A few weeks later his credit card bill came - a whooping bill of $14,000!
He called the credit card company and started yelling at them, saying that he did not make the transactions.
Customer care personnel verified that there was no Mistake in the system
and asked if his card had been stolen. "No," he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet.
The thief broke into his locker at the gym and switched cards.
Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy?
$9,000! Why were there no calls made to verify the amount swiped?
Small amounts rarely trigger a "warning bell" with some credit card companies.
It just so happens that all the small amounts added up to big one!
SCENE 2.
A man at a local restaurant paid for his meal with his credit card.
The bill for the meal came, he signed it,and the waitress folded the receipt and passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under the watchful eye of the man.
All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card.
No exchange of words --- nothing! She took it and came back to the man with an apology.
Verdict: Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time.
Many people just take back the credit card without even looking at it, "assuming" that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
SCENE 3:
Yesterday I went into a pizza restaurant to pick up an order that I had called in.
I paid by using my Visa Check Card which, of course, is linked directly to my checking account.
The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure.
While he waited, he picked up his cell phone and started dialing.
I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture.
He then gave me back my card but kept the phone in his hand as if he was still pressing buttons.
Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on.
It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing.
He set his phone on the counter, leaving it open.
About five seconds later, I heard the chime that tells you that the picture has been saved.
Now I'm standing there struggling with the fact that this boy just took a picture of my credit card.
Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened.
Needless to say, I immediately canceled that card as I was walking out of the pizza parlor.
All I am saying is, be aware of your surroundings at all times.
Whenever you are using your credit card take caution and don't be careless.
Notice who is standing near you and what they are doing when you use your card.
Be aware of phones, because many have a camera phone these days.
When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off.
Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there.
I have already been a victim of credit card fraud and, believe me, it is not fun. The truth is that they can get you even when you are careful, but don't make it easy for them.
(Forwarded by: Dicala, Wednesday, July 4, 2007 6:48 AM)
Compensation Notification from UN
Today, as usual I checked my email and was surprised to notice this email from the United Nations. It is indeed very attractive to have been noticed that I have a potential wealth of USD8.3-million!
I don't know how many of your have received such mail? Well, better be careful, don't lose your hard earned money on this scam!
From: "United Nations"
United Nations Compensation Unit,
In affiliation with World Bank
From: Special Envoy to
Secretary-General Ban ki-Moon
http://www.un.org/sg
Attention: Sir/Madam,
On behalf of THE UNITED NATIONS, I Mrs TRACY WILLIAMS, wishes to pass this message across to you.
The United Nations in Affiliation with World Bank have agreed to compensate all scammed victims from all part of the world with the average sum of USD$8.3M usd for self support irrespective of the amount lost in the act. This is regarding the draws organized lately to help individuals whom lost their earnings in this act and to build organizations so as to help the less privileged in the society.
This compensation exercise is also extended to victims of Hurricane, earthquake, War displaced and the aged. Anyone who is a
victim of the above mentioned is entitled to benefit from this compensation exercise. You are therefore advised to contact
Mr. WILLIAM ALEXANDER (co ordinator/payment officer in the United Kingdom , via e-mail address and telephone contact
Email: william.alexander09@gmail.com
You are further advised to send the following details to him through his above email:
full Names.....................................
telephone number.... ...........................
Postal Address.........................................
Scanned copy of either your international passport, drivers license or any form of identification for your
perusal, records update and
reference.
I apologize on behalf of the organization for any delay you might have encountered in receiving your fund in the
past.Furthermore note that all victims are to be paid through the new payment mode approved by the authority which is ATM
PAYMENT SYSTEM.And victims are to take care of the delivery of their loaded VISA CARDS/ATM CARDS.This must be noted as we are here to
serve you better and making sure you have a better life.
Hope to hear from you, as soon as you get in contact with Mr. Nicholas Brown and you successfully receive your compensation fund.
Making the world a better place! Signed and endorsed.
Yours truly,
Mrs TRACY WILLIAMS
(Announcer)Office of Secretary-
General BanKi-Moon.
(Financial officer)United Nations
http://www.un.org/sg
I don't know how many of your have received such mail? Well, better be careful, don't lose your hard earned money on this scam!
From: "United Nations"
United Nations Compensation Unit,
In affiliation with World Bank
From: Special Envoy to
Secretary-General Ban ki-Moon
http://www.un.org/sg
Attention: Sir/Madam,
On behalf of THE UNITED NATIONS, I Mrs TRACY WILLIAMS, wishes to pass this message across to you.
The United Nations in Affiliation with World Bank have agreed to compensate all scammed victims from all part of the world with the average sum of USD$8.3M usd for self support irrespective of the amount lost in the act. This is regarding the draws organized lately to help individuals whom lost their earnings in this act and to build organizations so as to help the less privileged in the society.
This compensation exercise is also extended to victims of Hurricane, earthquake, War displaced and the aged. Anyone who is a
victim of the above mentioned is entitled to benefit from this compensation exercise. You are therefore advised to contact
Mr. WILLIAM ALEXANDER (co ordinator/payment officer in the United Kingdom , via e-mail address and telephone contact
Email: william.alexander09@gmail.com
You are further advised to send the following details to him through his above email:
full Names.....................................
telephone number.... ...........................
Postal Address.........................................
Scanned copy of either your international passport, drivers license or any form of identification for your
perusal, records update and
reference.
I apologize on behalf of the organization for any delay you might have encountered in receiving your fund in the
past.Furthermore note that all victims are to be paid through the new payment mode approved by the authority which is ATM
PAYMENT SYSTEM.And victims are to take care of the delivery of their loaded VISA CARDS/ATM CARDS.This must be noted as we are here to
serve you better and making sure you have a better life.
Hope to hear from you, as soon as you get in contact with Mr. Nicholas Brown and you successfully receive your compensation fund.
Making the world a better place! Signed and endorsed.
Yours truly,
Mrs TRACY WILLIAMS
(Announcer)Office of Secretary-
General BanKi-Moon.
(Financial officer)United Nations
http://www.un.org/sg
Monday, August 23, 2010
Be careful at the Airports
A Drug Trafficker's Water Bottle..
Be careful when requested by strangers for help to carry anything, especially airports near Customs... could be drugs
Can we be careful enough not to be duped while being kind or helpful?
It is sad how selfish people are now..so please be very careful when you want to be kind..and please forward this to your children as well..
Now you'll see why you should not hold anything for a fellow traveler or stranger, not even an old auntie or uncle or pregnant lady. Please share attached video with your love ones...
(Sent by my Sister Lily today)
Be careful when requested by strangers for help to carry anything, especially airports near Customs... could be drugs
Can we be careful enough not to be duped while being kind or helpful?
It is sad how selfish people are now..so please be very careful when you want to be kind..and please forward this to your children as well..
Now you'll see why you should not hold anything for a fellow traveler or stranger, not even an old auntie or uncle or pregnant lady. Please share attached video with your love ones...
(Sent by my Sister Lily today)
Wednesday, August 18, 2010
What To Do If Stopped By Malaysian Police
The next time you are stopped by persons who claimed they are plain clothes police, you are under no obligation to answer their questions or follow their orders, lawyers told Malaysiakini today.
'Policeman who is not wearing his uniform does not have the authority to stop anyone,' lawyer and human rights activist Sivarasa Rasiah said.
Sivarasa was commenting on the alleged gang-rape of an 18-year-old Uni student by four men claiming to be police officers on New Year's Eve. The girl said that her car was stopped in Taman Tun Dr Ismail in Kuala Lumpur and were asked by the men to open the car bonnet. She was then told that she had committed an offence and ordered to follow the men to a police station. The girl was driven in her car along the North-South expressway to the Tapah-Cameron Highlands road before she was raped in an oil palm estate.
This incident, and many others, have sparked confusion over the procedures which motorists must follow when flagged down by the police. The most common problem is that most people take instructions without determining if the other person is really a cop,' lawyer Annie Santiago said.
However, if you are stopped by a uniformed policeman, then you are required to stop. But you need not get out of the car because you are not expected to do so, Santiago said. He other rule to follow is to provide your identity card only when you are asked to do so. 'Even then, you should get his ID first to confirm if he is a cop. There is no harm in calling the relevant police station to verify if he is supposed to be on duty that day,' Sivarasa said.
Both lawyers said that motorists should never follow an officer to the police station unless one is under arrest . 'If you are not sure, and your instincts tell you that something is wrong, then drive off to the nearest police station and lodge a report,' Sivarasa said.
In response to the alleged gang-rape of the 18-year-old, Women's Aid Organisation executive-secretary Ivy Josiah called on the police to launch an education program to teach the public about their rights to prevent them from being victimised by bogus police officers.
Procedures to follow in the event you are stopped by uniformed police Officers while driving:
1. Stop the car and wind down your window.
2. If the police officers ask for your documents, request to see their
IDs first.
3. If you are satisfied about their identity, ask them if you are being
summoned, and for what offence.
4. Produce your identity card and driver's license and wait to collect
your summon ticket.
In the event that the police officers ask you to follow them to the police station:
1. Ask if you are under arrest and for what offence.
2. If you are not under arrest, you have the right to leave.
In the event you are flagged down by persons you believe could be plain clothes police:
1. Do not stop because plain clothes police officers do not have the
authority to stop you.
2. Drive to the nearest police station and lodge a report. (The same
procedure applies to pedestrians)
In the event the police come to your house:
1. Do not let them in before checking their IDs.
2. If you are not satisfied, phone the nearest police station and
confirm if they had been sent to your house.
3. You are under no obligation to allow them into the house if they
don't have a search warrant.
4. Do not go with them if you are not under arrest.
In the event persons who claimed to be plain clothes police come to your house:
1. Do not let him in because they do not have the authority to do so.
2. Lodge a report at the nearest police station.
(From my Hotmail.com Inbox dd March 12, 2008.)
'Policeman who is not wearing his uniform does not have the authority to stop anyone,' lawyer and human rights activist Sivarasa Rasiah said.
Sivarasa was commenting on the alleged gang-rape of an 18-year-old Uni student by four men claiming to be police officers on New Year's Eve. The girl said that her car was stopped in Taman Tun Dr Ismail in Kuala Lumpur and were asked by the men to open the car bonnet. She was then told that she had committed an offence and ordered to follow the men to a police station. The girl was driven in her car along the North-South expressway to the Tapah-Cameron Highlands road before she was raped in an oil palm estate.
This incident, and many others, have sparked confusion over the procedures which motorists must follow when flagged down by the police. The most common problem is that most people take instructions without determining if the other person is really a cop,' lawyer Annie Santiago said.
However, if you are stopped by a uniformed policeman, then you are required to stop. But you need not get out of the car because you are not expected to do so, Santiago said. He other rule to follow is to provide your identity card only when you are asked to do so. 'Even then, you should get his ID first to confirm if he is a cop. There is no harm in calling the relevant police station to verify if he is supposed to be on duty that day,' Sivarasa said.
Both lawyers said that motorists should never follow an officer to the police station unless one is under arrest . 'If you are not sure, and your instincts tell you that something is wrong, then drive off to the nearest police station and lodge a report,' Sivarasa said.
In response to the alleged gang-rape of the 18-year-old, Women's Aid Organisation executive-secretary Ivy Josiah called on the police to launch an education program to teach the public about their rights to prevent them from being victimised by bogus police officers.
Procedures to follow in the event you are stopped by uniformed police Officers while driving:
1. Stop the car and wind down your window.
2. If the police officers ask for your documents, request to see their
IDs first.
3. If you are satisfied about their identity, ask them if you are being
summoned, and for what offence.
4. Produce your identity card and driver's license and wait to collect
your summon ticket.
In the event that the police officers ask you to follow them to the police station:
1. Ask if you are under arrest and for what offence.
2. If you are not under arrest, you have the right to leave.
In the event you are flagged down by persons you believe could be plain clothes police:
1. Do not stop because plain clothes police officers do not have the
authority to stop you.
2. Drive to the nearest police station and lodge a report. (The same
procedure applies to pedestrians)
In the event the police come to your house:
1. Do not let them in before checking their IDs.
2. If you are not satisfied, phone the nearest police station and
confirm if they had been sent to your house.
3. You are under no obligation to allow them into the house if they
don't have a search warrant.
4. Do not go with them if you are not under arrest.
In the event persons who claimed to be plain clothes police come to your house:
1. Do not let him in because they do not have the authority to do so.
2. Lodge a report at the nearest police station.
(From my Hotmail.com Inbox dd March 12, 2008.)
Beware of voice message from 'Malaysian High Court'
Dear family members and friends
I am writing this e-mail to warn all of you. This is what happen to me on 18th may 2007 at 10.00am. The phone rang and I answer, a voice message stated that the call is from the Malaysian High Court mentioning that I have a case to attend at the KL High Court. Rather curious of what sort of case I have, so I press 9 to talk to the operator.
The operator speaks very 'slow English' if you know what I mean. She insist that I must give her my name and ic no. in order for her to check what sort of case I have. I hold on for a few seconds and she ask me if that is really my ic no. I confirmed and she also confirmed that I have a case to attend. She says that she will faxed the document over to Bukit Aman Police station and the officer will call me in 3 minutes.
So I hung up, true enough I received the call less than 2 minutes. He announced himself as Yeoh Long Wah from Bukit Aman police station. He ask me a lot of questions and say the criminal have use my ic detail to open bank account in Maybank and Public Bank in Negeri Sembilan.
He then ask me whether I have a bank account in Maybank and Public Bank. I told him that I have a Public Bank a/c. He says that I have to answer his questions honestly so that he can help me with my case. The questions he ask like have you lost yr ic before, did you hand over yr ic to anybody for documentation and how much money u have in yr a/c. I told him I cannot reveal the amount in my account and that I will meet him in Bukit Aman police station. He says fine and meet him before 4pm and gave me the phone no 03-77826222.
I rang my lawyer and ask for advise. She ask me to fix the appointment with the so call police on Sat or Monday since today is Friday and mosque day. I called the no 77826222 and the police answer telling
me that this is not Bukit Aman police station but police station in Old Klang Road. I told the police the problem and he told me to launch a police report in Subang Jaya police station because they have been receiving a lot of these calls from people.
I went to Public Bank to freeze all my a/c for the time being. I am sharing all these with you so that you will not go through the trauma I went through
From
Kam Yuen Chan
18/5/07
(Forwarded to me by my sister Lily to my Hotmail address.)
I am writing this e-mail to warn all of you. This is what happen to me on 18th may 2007 at 10.00am. The phone rang and I answer, a voice message stated that the call is from the Malaysian High Court mentioning that I have a case to attend at the KL High Court. Rather curious of what sort of case I have, so I press 9 to talk to the operator.
The operator speaks very 'slow English' if you know what I mean. She insist that I must give her my name and ic no. in order for her to check what sort of case I have. I hold on for a few seconds and she ask me if that is really my ic no. I confirmed and she also confirmed that I have a case to attend. She says that she will faxed the document over to Bukit Aman Police station and the officer will call me in 3 minutes.
So I hung up, true enough I received the call less than 2 minutes. He announced himself as Yeoh Long Wah from Bukit Aman police station. He ask me a lot of questions and say the criminal have use my ic detail to open bank account in Maybank and Public Bank in Negeri Sembilan.
He then ask me whether I have a bank account in Maybank and Public Bank. I told him that I have a Public Bank a/c. He says that I have to answer his questions honestly so that he can help me with my case. The questions he ask like have you lost yr ic before, did you hand over yr ic to anybody for documentation and how much money u have in yr a/c. I told him I cannot reveal the amount in my account and that I will meet him in Bukit Aman police station. He says fine and meet him before 4pm and gave me the phone no 03-77826222.
I rang my lawyer and ask for advise. She ask me to fix the appointment with the so call police on Sat or Monday since today is Friday and mosque day. I called the no 77826222 and the police answer telling
me that this is not Bukit Aman police station but police station in Old Klang Road. I told the police the problem and he told me to launch a police report in Subang Jaya police station because they have been receiving a lot of these calls from people.
I went to Public Bank to freeze all my a/c for the time being. I am sharing all these with you so that you will not go through the trauma I went through
From
Kam Yuen Chan
18/5/07
(Forwarded to me by my sister Lily to my Hotmail address.)
Tuesday, August 17, 2010
Some basic civic conscious
I was checking out Hotel Sri Petaling early this morning. On my way down to the basement car park to off load my luggage and while waiting for the lift, I noticed someone had left a cigarette bud on the carpet. There is a dust bin right next to the life entrance and this fellow just intentionally ignored it, blatantly forgot his civic conscious and showed complete disrespectful for his own dignity. Shame on this fellow and all those who have this bad inculcated habit.
Bar Stool Economics
A good point to ponder.
"For those who understand, no explanation is needed.
For those who do not understand, no explanation is possible."
From the University of Georgia :
Bar Stool Economics
Suppose that every day, ten men go out for beer and the bill for all ten comes to $100.
If they paid their bill the way we pay our taxes, it would go something like this:
The first four men (the poorest) would pay nothing.
The fifth would pay $1.
The sixth would pay $3.
The seventh would pay $7.
The eighth would pay $12.
The ninth would pay $18.
The tenth man (the richest) would pay $59.
So, that's what they decided to do.
The ten men drank in the bar every day and seemed quite happy with the arrangement, until one day, the owner threw them a curve. "Since you are all such good customers," he said, "I'm going to reduce the cost of your daily beer by $20."
Drinks for the ten now cost just $80.
The group still wanted to pay their bill the way we pay our taxes so the first four men were unaffected. They would still drink for free.
But what about the other six men; i.e. the paying customers? How could they divide the $20 windfall so that everyone would get his 'fair share?' They realized that $20 divided by six is $3.33. But if they subtracted that from everybody's share, then the fifth man and the sixth man would each end up being paid to drink his beer.
So, the bar owner suggested that it would be fair to reduce each man's bill by roughly the same amount, and he proceeded to work out the amounts each should pay.
And so:
The fifth man, like the first four, now paid nothing (100% savings).
The sixth now paid $2 instead of $3 (33%savings).
The seventh now pay $5 instead of $7 (28%savings).
The eighth now paid $9 instead of $12 (25% savings).
The ninth now paid $14 instead of $18 (22% savings).
The tenth now paid $49 instead of $59 (16% savings).
Each of the six was better off than before. And the first four continued to drink for free. But once outside the restaurant, the men began to compare their savings.
"I only got a dollar out of the $20,"declared the sixth man. He pointed to the tenth man," but he got $10!"
"Yeah, that's right," exclaimed the fifth man. "I only saved a dollar, too. It's unfair
that he got ten times more than I!"
"That's true!!" shouted the seventh man. "Why should he get $10 back when I got only two? The wealthy get all the breaks!"
"Wait a minute," yelled the first four men in unison. "We didn't get anything at all. The system exploits the poor!"
The nine men surrounded the tenth and beat him up.
The next night the tenth man didn't show up for drinks, so the nine sat down and had beers without him. But when it came time to pay the bill, they discovered something important. They didn't have enough money between all of them for even half of the bill!
And that, ladies and gentlemen, journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up anymore. In fact, they might start drinking overseas where the atmosphere is somewhat friendlier.
(Sent by Dicala: dicala@gmail.com on January 12, 2009.)
"For those who understand, no explanation is needed.
For those who do not understand, no explanation is possible."
From the University of Georgia :
Bar Stool Economics
Suppose that every day, ten men go out for beer and the bill for all ten comes to $100.
If they paid their bill the way we pay our taxes, it would go something like this:
The first four men (the poorest) would pay nothing.
The fifth would pay $1.
The sixth would pay $3.
The seventh would pay $7.
The eighth would pay $12.
The ninth would pay $18.
The tenth man (the richest) would pay $59.
So, that's what they decided to do.
The ten men drank in the bar every day and seemed quite happy with the arrangement, until one day, the owner threw them a curve. "Since you are all such good customers," he said, "I'm going to reduce the cost of your daily beer by $20."
Drinks for the ten now cost just $80.
The group still wanted to pay their bill the way we pay our taxes so the first four men were unaffected. They would still drink for free.
But what about the other six men; i.e. the paying customers? How could they divide the $20 windfall so that everyone would get his 'fair share?' They realized that $20 divided by six is $3.33. But if they subtracted that from everybody's share, then the fifth man and the sixth man would each end up being paid to drink his beer.
So, the bar owner suggested that it would be fair to reduce each man's bill by roughly the same amount, and he proceeded to work out the amounts each should pay.
And so:
The fifth man, like the first four, now paid nothing (100% savings).
The sixth now paid $2 instead of $3 (33%savings).
The seventh now pay $5 instead of $7 (28%savings).
The eighth now paid $9 instead of $12 (25% savings).
The ninth now paid $14 instead of $18 (22% savings).
The tenth now paid $49 instead of $59 (16% savings).
Each of the six was better off than before. And the first four continued to drink for free. But once outside the restaurant, the men began to compare their savings.
"I only got a dollar out of the $20,"declared the sixth man. He pointed to the tenth man," but he got $10!"
"Yeah, that's right," exclaimed the fifth man. "I only saved a dollar, too. It's unfair
that he got ten times more than I!"
"That's true!!" shouted the seventh man. "Why should he get $10 back when I got only two? The wealthy get all the breaks!"
"Wait a minute," yelled the first four men in unison. "We didn't get anything at all. The system exploits the poor!"
The nine men surrounded the tenth and beat him up.
The next night the tenth man didn't show up for drinks, so the nine sat down and had beers without him. But when it came time to pay the bill, they discovered something important. They didn't have enough money between all of them for even half of the bill!
And that, ladies and gentlemen, journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up anymore. In fact, they might start drinking overseas where the atmosphere is somewhat friendlier.
(Sent by Dicala: dicala@gmail.com on January 12, 2009.)
马来西亚正部长薪水 (Gaji Menteri Malaysia)
Don't know how they get all these figures but this is interesting.
最近一些马来西亚的部长们，或是高官们，一直都觉得油价上涨一点都不是很贵（1公升才起那么一点而已！），而且他们的方式就只是要求人民改变生活的习惯，节能省碳，就这样而已！而最大的原因，很可能是出在于他们的薪水。
大家知道当一名马来西亚的部长，人民每个月付给他们多少的薪酬吗？
大家自己看看吧。。
一名马来西亚正部长薪水（Setiap Bulan----每个月！）
1。基本薪酬： RM 18000 ( Basic Salary )
2。娱乐津贴： RM 10500 ( Elaun Hiburan )
3。房屋津贴： RM10800 ( Elaun Rumah )
4。人民代表津贴： RM10650 ( Elaun Wakil )
5。停车费津贴： RM 5700 ( Elaun Parking )
大概总共每月RM55650 马币，不管他是有做工还是生病。( Elaun Sakit yang boleh
Claim Cash setiap bulan tidak kira sihat atau sakit )
其它的便利包括:
１。1年1次的国外旅行游玩，可以申请最多 RM50000 的津贴。就算没旅行，也是可
以照领。( Pelancongan setiap Tahun RM 50000 - tak lancong boleh claim cash )
２。免费使用电费。 ( free electric)
３。免费使用水费。 ( free air)
４。免费使用电话费。 (free handphone)
５。装修／维修每年可以领最多 ＲＭ４００００津贴。 (renovation tahunan)
６。１架马赛地汽车 Ｓ３２０，配有手机，１名驾驶员，免费汽油。 (free mercedes S320,driver, petrol)
７。红／白事，捐款等都可以报公账。 (Donation semua boleh claim)
８。开斋节举办开放日，一切开销最多可以报销 ＲＭ ４０００００。 (rumah terbuka tahunan boleh claim)
９。除了以上所列，每个部长还可以另外报销公账多达 ＲＭ４５０００。( dan lain-lain)
以上资料来源来自：
http://www.harakahdaily.net/inde ... =15076&Itemid=1
还有就是今年７月１日开始，每名部长的薪水不是说扣１０％吗，其实只是elaun keraian 娱乐津贴 那里扣１０％而已，不是总数的１０％。
还有我不明白的是， Elaun parking 停车费津贴 是如何能够津贴5700令吉那么多，我真的不明白部长们的车是停在什么鬼地方要那么贵的ｐａｒｋｉｎｇ ｆｅｅ。
最近一些马来西亚的部长们，或是高官们，一直都觉得油价上涨一点都不是很贵（1公升才起那么一点而已！），而且他们的方式就只是要求人民改变生活的习惯，节能省碳，就这样而已！而最大的原因，很可能是出在于他们的薪水。
大家知道当一名马来西亚的部长，人民每个月付给他们多少的薪酬吗？
大家自己看看吧。。
一名马来西亚正部长薪水（Setiap Bulan----每个月！）
1。基本薪酬： RM 18000 ( Basic Salary )
2。娱乐津贴： RM 10500 ( Elaun Hiburan )
3。房屋津贴： RM10800 ( Elaun Rumah )
4。人民代表津贴： RM10650 ( Elaun Wakil )
5。停车费津贴： RM 5700 ( Elaun Parking )
大概总共每月RM55650 马币，不管他是有做工还是生病。( Elaun Sakit yang boleh
Claim Cash setiap bulan tidak kira sihat atau sakit )
其它的便利包括:
１。1年1次的国外旅行游玩，可以申请最多 RM50000 的津贴。就算没旅行，也是可
以照领。( Pelancongan setiap Tahun RM 50000 - tak lancong boleh claim cash )
２。免费使用电费。 ( free electric)
３。免费使用水费。 ( free air)
４。免费使用电话费。 (free handphone)
５。装修／维修每年可以领最多 ＲＭ４００００津贴。 (renovation tahunan)
６。１架马赛地汽车 Ｓ３２０，配有手机，１名驾驶员，免费汽油。 (free mercedes S320,driver, petrol)
７。红／白事，捐款等都可以报公账。 (Donation semua boleh claim)
８。开斋节举办开放日，一切开销最多可以报销 ＲＭ ４０００００。 (rumah terbuka tahunan boleh claim)
９。除了以上所列，每个部长还可以另外报销公账多达 ＲＭ４５０００。( dan lain-lain)
以上资料来源来自：
http://www.harakahdaily.net/inde ... =15076&Itemid=1
还有就是今年７月１日开始，每名部长的薪水不是说扣１０％吗，其实只是elaun keraian 娱乐津贴 那里扣１０％而已，不是总数的１０％。
还有我不明白的是， Elaun parking 停车费津贴 是如何能够津贴5700令吉那么多，我真的不明白部长们的车是停在什么鬼地方要那么贵的ｐａｒｋｉｎｇ ｆｅｅ。
E-MAIL TRACKING
Here is something everyone should read and take the advice. If you don't, you're hurting yourself and your email buddies.
By now, I suspect everyone is familiar with www.snopes.com and/or www.truthorfiction. com for determining whether information received via email is just that: true/false or fact/fiction. Both are excellent sites.
Advice from Snopes.com Very important!
1) Any time you see an E-Mail that says forward this on to '10' (or however many) of your friends, sign this petition, or you'll get bad luck, good luck, you'll see something funny on your screen after you send it, or whatever, it almost always has an E-Mail tracker program attached that tracks the cookies and E-Mails of those folks you forward to.
The host sender is getting a copy each time it gets forwarded and then is able to get lists of 'active' E-Mail addresses to use in SPAM E-Mails, or sell to other spammers. Even when you get emails that demand you send the email on if you're not ashamed of God/Jesus ....that's E-mail tracking and they're playing on your conscience. These people don't care how they get your email addresses - just as long as they get them. Also, emails that talk about a missing child or a child with an incurable disease - "how would you feel if that was your child"....E-mail Tracking!!!
Ignore them and don't participate!
2) Almost all E-Mails that ask you to add your name and forward on to others are similar to that mass letter years ago that asked people to send business cards to the little kid in Florida who wanted to break the Guinness Book of Records for the most cards. All it was, and all any of this type of E-Mail is, is a way to get names and 'cookie' tracking information for telemarketers and spammers - - to validate active E-Mail accounts for their own profitable purposes.
You can do your friends and family members a GREAT favour by sending this information to them; you will be providing a service to your friends, and will be rewarded by not getting thousands of spam E-Mails in the future!
If you have been sending out (FORWARDING) the above kinds of E-Mail, now you know why you get so much SPAM!
Do yourself a favour and STOP adding your name(s) to those types of listings regardless how inviting they might sound!...or make you feel guilty if you don't!...it's all about getting email addresses - nothing more!
You may think you are supporting a GREAT cause, but you are NOT! Instead, you will be getting tons of junk mail later and very possibly a virus attached! Plus, you are helping the spammers get rich! Let's stop making it easy for them!
Also: E-Mail petitions are NOT acceptable to Government, or any other organization - i.e. social security, etc. To be acceptable, petitions must have a signed signature and full address of the person signing the petition, so this is a waste of time and you're just helping the Email trackers.
Please read the full story here:
http://www.snopes. com/inboxer/ petition/ internet. asp
And here's another take on the subject:
IMPORTANT!! HOW TO FORWARD EMAIL APPROPRIATELY
A friend who is a computer expert received the following directly from a system administrator for a corporate system..
It is an excellent message that ABSOLUTELY applies to ALL of us who send e-mails.
Please read the short letter below, even if you're sure you already follow proper procedures.
Do you really know how to forward e-mails? 50% do; 50% DO NOT.
Do you wonder why you get viruses or junk mail? Do you hate it?
Every time you forward an e-mail there is information left over from the people who got the message before you, namely their e-mail addresses & names. As the messages get forwarded along, the list of addresses builds, and builds, and builds, and all it takes is for some poor sap to get a virus, and his or her computer can send that virus to every e-mail address that has come across his computer.
Or, someone can take all of those addresses and sell them or send junk mail to them in the hopes that you will go to the site and he will make five cents for each hit. That's right, all of that inconvenience over five cents
How do you stop it?
Well, there are several easy steps:
(1) When you forward an e-mail, DELETE all of the other addresses that appear in the body of the message (at the top).. That's right, DELETE them. Highlight them and delete them, backspace them, cut them, whatever it is you know how to do. It only takes a second. You MUST click the 'Forward' button first and then you will have full editing capabilities against the body and headers of the message. If you don't click on 'Forward' first, you won't be able to edit the message at all.
(2) Whenever you send an e-mail to more than one person, do NOT use the To: or Cc: fields for adding e-mail addresses. Always use the BCC: (blind carbon copy)field for listing the e-mail addresses. This is the way the people you send to will only see their own e-mail address. If you don't see your BCC: option click on where it says To: and your address list will appear. Highlight the address and choose BCC: and that's it, it's that easy. When you send to BCC: your message will automatically say 'Undisclosed Recipients' in the 'TO:' field of the people who receive it.
(3) Remove any 'FW :' in the subject line. You can re-name the subject if you wish or even fix spelling.
(4) ALWAYS hit your Forward button from the actual e-mail you are reading. Ever get those e-mails that you have to open 10 pages to read the one page with the information on it? By Forwarding from the actual page you wish someone to view, you stop them from having to open many e-mails just to see what you sent.
(5) Have you ever got an email that is a petition? It states a position and asks you to add your name and address and to forward it to 10 or 15 people or your entire address book. The email can be forwarded on and on and can collect thousands of names and email addresses. A FACT: The completed petition is actually worth a couple of bucks to a professional spammer because of the wealth of valid names and email addresses contained therein. If you want to support the petition, send it as your own personal letter to the intended recipient. Your position may carry more weight as a personal letter than a laundry list of names and email address on a petition. (Actually, if you think about it, who's supposed to send the petition in to whatever cause it supports? And don't believe the ones that say that the email is being traced, it just ain't so!)
(6) One of the main ones I hate is the ones that say that something like, 'Send this email to 10 people and you'll see something great run across your screen.' Or, sometimes they'll just tease you by saying something really cute will happen. IT AINT GONNA HAPPEN!!!!! (Trust me, I'm still seeing some of the same ones that I waited on 10 years ago!) I don't let the bad luck ones scare me either, they get trashed.
(7) Before you forward an Amber Alert, or a Virus Alert, or some of the other ones floating around nowadays,check them out before you forward them. Most of them are junk mail that's been circling the net for YEARS! Just about everything you receive in an email that is in question can be checked out at Snopes. Just go tohttp://www.snopes. com/
Its really easy to find out if it's real or not. If it's not, please don't pass it on.
So please, in the future, let's stop the junk mail and the viruses.
Finally, here's an idea!!! Let's send this to everyone we know (but strip my address off first, please) And send them using the Blind Carbon Copy. This is something that SHOULD be forwarded
Once again folks on the To: line go to the right end of this line and click on the Cc: Bcc: icons which will give you the extra lines to send to then click on the Bcc: icon which will then open your address book. Proceed in the normal way which will show your address in the Bcc: box only. I do this all the time! Good luck and happy E-Mailing.
(Sent by: Paul Chin pkkchin@gmail.com on October 28, 2009.)
By now, I suspect everyone is familiar with www.snopes.com
Advice from Snopes.com Very important!
1) Any time you see an E-Mail that says forward this on to '10' (or however many) of your friends, sign this petition, or you'll get bad luck, good luck, you'll see something funny on your screen after you send it, or whatever, it almost always has an E-Mail tracker program attached that tracks the cookies and E-Mails of those folks you forward to.
The host sender is getting a copy each time it gets forwarded and then is able to get lists of 'active' E-Mail addresses to use in SPAM E-Mails, or sell to other spammers. Even when you get emails that demand you send the email on if you're not ashamed of God/Jesus ....that's E-mail tracking and they're playing on your conscience. These people don't care how they get your email addresses - just as long as they get them. Also, emails that talk about a missing child or a child with an incurable disease - "how would you feel if that was your child"....E-mail Tracking!!!
Ignore them and don't participate!
2) Almost all E-Mails that ask you to add your name and forward on to others are similar to that mass letter years ago that asked people to send business cards to the little kid in Florida who wanted to break the Guinness Book of Records for the most cards. All it was, and all any of this type of E-Mail is, is a way to get names and 'cookie' tracking information for telemarketers and spammers - - to validate active E-Mail accounts for their own profitable purposes.
You can do your friends and family members a GREAT favour by sending this information to them; you will be providing a service to your friends, and will be rewarded by not getting thousands of spam E-Mails in the future!
If you have been sending out (FORWARDING) the above kinds of E-Mail, now you know why you get so much SPAM!
Do yourself a favour and STOP adding your name(s) to those types of listings regardless how inviting they might sound!...or make you feel guilty if you don't!...it's all about getting email addresses - nothing more!
You may think you are supporting a GREAT cause, but you are NOT! Instead, you will be getting tons of junk mail later and very possibly a virus attached! Plus, you are helping the spammers get rich! Let's stop making it easy for them!
Also: E-Mail petitions are NOT acceptable to Government, or any other organization - i.e. social security, etc. To be acceptable, petitions must have a signed signature and full address of the person signing the petition, so this is a waste of time and you're just helping the Email trackers.
Please read the full story here:
http://www.snopes. com/inboxer/ petition/ internet. asp
And here's another take on the subject:
IMPORTANT!! HOW TO FORWARD EMAIL APPROPRIATELY
A friend who is a computer expert received the following directly from a system administrator for a corporate system..
It is an excellent message that ABSOLUTELY applies to ALL of us who send e-mails.
Please read the short letter below, even if you're sure you already follow proper procedures.
Do you really know how to forward e-mails? 50% do; 50% DO NOT.
Do you wonder why you get viruses or junk mail? Do you hate it?
Every time you forward an e-mail there is information left over from the people who got the message before you, namely their e-mail addresses & names. As the messages get forwarded along, the list of addresses builds, and builds, and builds, and all it takes is for some poor sap to get a virus, and his or her computer can send that virus to every e-mail address that has come across his computer.
Or, someone can take all of those addresses and sell them or send junk mail to them in the hopes that you will go to the site and he will make five cents for each hit. That's right, all of that inconvenience over five cents
How do you stop it?
Well, there are several easy steps:
(1) When you forward an e-mail, DELETE all of the other addresses that appear in the body of the message (at the top).. That's right, DELETE them. Highlight them and delete them, backspace them, cut them, whatever it is you know how to do. It only takes a second. You MUST click the 'Forward' button first and then you will have full editing capabilities against the body and headers of the message. If you don't click on 'Forward' first, you won't be able to edit the message at all.
(2) Whenever you send an e-mail to more than one person, do NOT use the To: or Cc: fields for adding e-mail addresses. Always use the BCC: (blind carbon copy)field for listing the e-mail addresses. This is the way the people you send to will only see their own e-mail address. If you don't see your BCC: option click on where it says To: and your address list will appear. Highlight the address and choose BCC: and that's it, it's that easy. When you send to BCC: your message will automatically say 'Undisclosed Recipients' in the 'TO:' field of the people who receive it.
(3) Remove any 'FW :' in the subject line. You can re-name the subject if you wish or even fix spelling.
(4) ALWAYS hit your Forward button from the actual e-mail you are reading. Ever get those e-mails that you have to open 10 pages to read the one page with the information on it? By Forwarding from the actual page you wish someone to view, you stop them from having to open many e-mails just to see what you sent.
(5) Have you ever got an email that is a petition? It states a position and asks you to add your name and address and to forward it to 10 or 15 people or your entire address book. The email can be forwarded on and on and can collect thousands of names and email addresses. A FACT: The completed petition is actually worth a couple of bucks to a professional spammer because of the wealth of valid names and email addresses contained therein. If you want to support the petition, send it as your own personal letter to the intended recipient. Your position may carry more weight as a personal letter than a laundry list of names and email address on a petition. (Actually, if you think about it, who's supposed to send the petition in to whatever cause it supports? And don't believe the ones that say that the email is being traced, it just ain't so!)
(6) One of the main ones I hate is the ones that say that something like, 'Send this email to 10 people and you'll see something great run across your screen.' Or, sometimes they'll just tease you by saying something really cute will happen. IT AINT GONNA HAPPEN!!!!! (Trust me, I'm still seeing some of the same ones that I waited on 10 years ago!) I don't let the bad luck ones scare me either, they get trashed.
(7) Before you forward an Amber Alert, or a Virus Alert, or some of the other ones floating around nowadays,check them out before you forward them. Most of them are junk mail that's been circling the net for YEARS! Just about everything you receive in an email that is in question can be checked out at Snopes. Just go tohttp://www.snopes. com/
Its really easy to find out if it's real or not. If it's not, please don't pass it on.
So please, in the future, let's stop the junk mail and the viruses.
Finally, here's an idea!!! Let's send this to everyone we know (but strip my address off first, please) And send them using the Blind Carbon Copy. This is something that SHOULD be forwarded
Once again folks on the To: line go to the right end of this line and click on the Cc: Bcc: icons which will give you the extra lines to send to then click on the Bcc: icon which will then open your address book. Proceed in the normal way which will show your address in the Bcc: box only. I do this all the time! Good luck and happy E-Mailing.
(Sent by: Paul Chin pkkchin@gmail.com on October 28, 2009.)
Rape on plane
Personally I don't quite believe this is true. Anyhow I just post it here, for knowledge sharing or just for pure reading pleasure. Enjoy!
Dear All
A few words of advice ...
True or rumours it is better to be extra careful at all times, whichever airline you fly with. Such predators or animals in human skin can travel on any airline.
Some times being helpful does not pay.
Have a safe flight.
Bon voyage!
No wonder the tickets are cheaper than other airlines..!!
So be careful when any Arabs ask you for help, think wisely (e.g.. in this case he can attend to his child why ask for help.)
Scary and hard to believe such incident can happen in the plane.
But nothing is impossible nowadays. So for any of you or spouse who are travelling alone, just take note on this Subject :
Actually there are a lot of Saudi rape and abuse cases reported in newspapers. Their govt. will protect their own citizens and usually turn a blind eye towards the victims (foreigners) or even jail them for supposedly making false accusations. So,stay the same.
The most horrific incident has recently occurred on an Emirates Airlines and the culprits have gotten away with it. The worst thing about this case is that this is the 4th case to have happened on this airline.
During the Christmas of 2005, Emirates Airline made its regular flight from Dubai to Manila . However, 4 hours into the flight, most passengers were sleeping or dozing off.
A man approached a lady who was alone and asked her to assist his child in the bathroom. Not thinking much the lady followed the gentleman to the rear of the plane.
Immediately she was grabbed by the man's 3 accomplices who immediately gagged and taped her mouth and then went on to rape her in the back area of the craft while 2 kept watch, 2 others molested and raped her. After they had all had a turn, they forced her to drink a drug laced drink and escorted her to her seat. She had knocked off until she arrived in Manila by which time the 4 men had disembarked and gotten away.
This is a repeat case of the same thing that happened on a flight from Dubai to Mumbai on a Emirates Airline. The Emirates staff are aware of this but when the staff have some suspicion of some incident taking place they make it a point to avoid going to the back of the plane. This is the case that took place on Emirates Airline..
However the worst case of a rape victim on an Emirates flight was when a flight from Bangkok to Dubai
The lady was not only raped on flight but she was taken through immigration into Dubai and raped for several days and then later on sold to the underground.
Please pass this on to all females who travel alone.
PHILIPPINES TOURISM
OFFICE (Overseas Office)
400 Orchard Road
13-08 Orchard Towers
Singapore
238875
Tel: (65) 6738-7165
Dear All
A few words of advice ...
True or rumours it is better to be extra careful at all times, whichever airline you fly with. Such predators or animals in human skin can travel on any airline.
Some times being helpful does not pay.
Have a safe flight.
Bon voyage!
No wonder the tickets are cheaper than other airlines..!!
So be careful when any Arabs ask you for help, think wisely (e.g.. in this case he can attend to his child why ask for help.)
Scary and hard to believe such incident can happen in the plane.
But nothing is impossible nowadays. So for any of you or spouse who are travelling alone, just take note on this Subject :
Actually there are a lot of Saudi rape and abuse cases reported in newspapers. Their govt. will protect their own citizens and usually turn a blind eye towards the victims (foreigners) or even jail them for supposedly making false accusations. So,stay the same.
The most horrific incident has recently occurred on an Emirates Airlines and the culprits have gotten away with it. The worst thing about this case is that this is the 4th case to have happened on this airline.
During the Christmas of 2005, Emirates Airline made its regular flight from Dubai to Manila . However, 4 hours into the flight, most passengers were sleeping or dozing off.
A man approached a lady who was alone and asked her to assist his child in the bathroom. Not thinking much the lady followed the gentleman to the rear of the plane.
Immediately she was grabbed by the man's 3 accomplices who immediately gagged and taped her mouth and then went on to rape her in the back area of the craft while 2 kept watch, 2 others molested and raped her. After they had all had a turn, they forced her to drink a drug laced drink and escorted her to her seat. She had knocked off until she arrived in Manila by which time the 4 men had disembarked and gotten away.
This is a repeat case of the same thing that happened on a flight from Dubai to Mumbai on a Emirates Airline. The Emirates staff are aware of this but when the staff have some suspicion of some incident taking place they make it a point to avoid going to the back of the plane. This is the case that took place on Emirates Airline..
However the worst case of a rape victim on an Emirates flight was when a flight from Bangkok to Dubai
The lady was not only raped on flight but she was taken through immigration into Dubai and raped for several days and then later on sold to the underground.
Please pass this on to all females who travel alone.
PHILIPPINES TOURISM
OFFICE (Overseas Office)
400 Orchard Road
13-08 Orchard Towers
Singapore
238875
Tel: (65) 6738-7165
Sunday, August 15, 2010
A nice and meaningful story...
A boy was born to a couple after eleven years of marriage. They were a loving couple and the boy was the gem of their eyes. When the boy was around two years old, one morning the husband saw a medicine bottle open. He was late for office so he asked his wife to cap the bottle and keep it in the cupboard. His wife, preoccupied in the kitchen totally forgot the matter.
The boy saw the bottle and playfully went to the bottle fascinated by its color and drank it all. It happened to be a poisonous medicine meant for adults in small dosages.
When the child collapsed, the mother hurried him to the hospital. He died.
The mother was stunned! She was terrified how she was going to face her husband.
When the distraught father came to the hospital and saw the dead child, he looked at his wife and uttered just five words: "I am with you Darling".
The husband's totally unexpected reaction is a proactive behavior.
The child is dead. He can never be brought back to life. There is no point in finding fault with the mother. Besides, if only he had taken time to keep the bottle away, this would not have happened. No one is to be blamed. She had also lost her only child. What she needed at that moment was consolation and sympathy from the husband. That is what he gave her.
If everyone can look at life with this kind of perspective, there would be much fewer problems in the world.
"A journey of a thousand miles begins with a single step."
Take off all your envies, jealousies, unforgiveness, selfishness, and fears. And you will find things are actually not as difficult as you think.
MORAL OF THE STORY
This story is really worth reading. Sometimes we spend time in asking who is responsible or whom to blame, whether in a relationship, in a job or with the people we know. By this way we miss out some warmth in human relationship.
(Sent by: wanfshin@yahoo.com dated July 13, 2007)
The boy saw the bottle and playfully went to the bottle fascinated by its color and drank it all. It happened to be a poisonous medicine meant for adults in small dosages.
When the child collapsed, the mother hurried him to the hospital. He died.
The mother was stunned! She was terrified how she was going to face her husband.
When the distraught father came to the hospital and saw the dead child, he looked at his wife and uttered just five words: "I am with you Darling".
The husband's totally unexpected reaction is a proactive behavior.
The child is dead. He can never be brought back to life. There is no point in finding fault with the mother. Besides, if only he had taken time to keep the bottle away, this would not have happened. No one is to be blamed. She had also lost her only child. What she needed at that moment was consolation and sympathy from the husband. That is what he gave her.
If everyone can look at life with this kind of perspective, there would be much fewer problems in the world.
"A journey of a thousand miles begins with a single step."
Take off all your envies, jealousies, unforgiveness, selfishness, and fears. And you will find things are actually not as difficult as you think.
MORAL OF THE STORY
This story is really worth reading. Sometimes we spend time in asking who is responsible or whom to blame, whether in a relationship, in a job or with the people we know. By this way we miss out some warmth in human relationship.
(Sent by: wanfshin@yahoo.com dated July 13, 2007)
A new credit card fraud
Another credit card fraud scheme forwarded to me by a friend. Pls be aware!...
I just want to share the incident that happened to me yesterday. I received a call from a woman by the name Lisa claiming she is calling on behalf of Bank Negara. She introduced herself formally and explained to me that Bank Negara is concerned for credit card users in Malaysiawho overspend their limit and put themselves too deep in debt. So, Bank Negara is introducing this new "MBF Countdown Backup" card for all owners of credit cards all around Malaysiaand will soon be a compulsory thing. The card, according to Lisa, will be swiped everytime a transaction is performed using your credit card and this will enable Bank Negara to monitor our spending. And in
return, we will get discounts ranging from 5% to 40% for different merchants.
Then, this is where my stupidity sets in. Because she spoke to me in Bahasa Malaysia and the background noise implicates that it is a bank working environment, and above all this, she was able to readout to me my 16-digit credit card numbers and particulars and even my outstanding balance with the credit card, it convinced me that this could be a new system implemented by Bank Negara. So, when she asked for my 3-digit approval code written behind the credit card, I "STUPIDLY" gave it to her.
Then after all this was charade was over, Lisa informed me that a charge of RM480 will be charged to my credit card as a starters fee to waive off the annual fee. This woke me up!! So, I questioned Lisa on why do I need to pay for something that Bank Negara wants to implement to help the people of Malaysia(not a very noble cause). Then she explained to me that they are from a company calling on behalf of Bank Negara. And she said all the banks are well aware of this system. She then passed me over to her manager, Mr. Zakri or Mr. Z (similar to the MIB) or something. This gentleman then tries to assure me that this is not a fraud or scam.
Then after his long-winded speech about the benefits of their card (no longer Bank Negara's), I told him to hold the approval of the card as I don't need it. I told him that I will call my bank to verify this card and get back to him. He agreed to my suggestion and even gave me 2 of his contact numbers for me to get back to him (03-40422522 and 03-40424288). So, when I called both my credit card banks regarding this matter both banks told me that there was no such thing. Immediately I told that I might have fell for a fraud telephony case and wanted to cancel and suspend all
my credit cards. The banks suspended my cards and agreed to send me a replacement card. Then when I called back Mr. Z at the number he gave me, a different lady attended to me and passed me on to a chinese lady who spoke in mandarin to me in a very heavy China accent. I told them that I have called my cc banks and cancelled my cards and specifically told her that I do not agree to their terms and I don't want their offer. She explained to me and assured me that they will delete my cc details and not charge me for anything. So, all this happened yesterday.
Being paranoid, I called my banks again this morning to double check if any transactions had gone through yesterday after I cancelled my card. And guess what. Those m#^*!#fkers actually did try to charge me but the banks did not let the transactions go through. I consider myself lucky coz I acted a step ahead of them.
Lesson from all of this, never ever entertain telephony offers that involve credit cards. 2 of my colleagues fell for these scams before and 1 of them was lucky enough to have the bank recognise it as a fraud case while the other 1 lost RM3000.
(Sent by: wanfshin@yahoo.com dated August 30, 2007)
I just want to share the incident that happened to me yesterday. I received a call from a woman by the name Lisa claiming she is calling on behalf of Bank Negara. She introduced herself formally and explained to me that Bank Negara is concerned for credit card users in Malaysiawho overspend their limit and put themselves too deep in debt. So, Bank Negara is introducing this new "MBF Countdown Backup" card for all owners of credit cards all around Malaysiaand will soon be a compulsory thing. The card, according to Lisa, will be swiped everytime a transaction is performed using your credit card and this will enable Bank Negara to monitor our spending. And in
return, we will get discounts ranging from 5% to 40% for different merchants.
Then, this is where my stupidity sets in. Because she spoke to me in Bahasa Malaysia and the background noise implicates that it is a bank working environment, and above all this, she was able to readout to me my 16-digit credit card numbers and particulars and even my outstanding balance with the credit card, it convinced me that this could be a new system implemented by Bank Negara. So, when she asked for my 3-digit approval code written behind the credit card, I "STUPIDLY" gave it to her.
Then after all this was charade was over, Lisa informed me that a charge of RM480 will be charged to my credit card as a starters fee to waive off the annual fee. This woke me up!! So, I questioned Lisa on why do I need to pay for something that Bank Negara wants to implement to help the people of Malaysia(not a very noble cause). Then she explained to me that they are from a company calling on behalf of Bank Negara. And she said all the banks are well aware of this system. She then passed me over to her manager, Mr. Zakri or Mr. Z (similar to the MIB) or something. This gentleman then tries to assure me that this is not a fraud or scam.
Then after his long-winded speech about the benefits of their card (no longer Bank Negara's), I told him to hold the approval of the card as I don't need it. I told him that I will call my bank to verify this card and get back to him. He agreed to my suggestion and even gave me 2 of his contact numbers for me to get back to him (03-40422522 and 03-40424288). So, when I called both my credit card banks regarding this matter both banks told me that there was no such thing. Immediately I told that I might have fell for a fraud telephony case and wanted to cancel and suspend all
my credit cards. The banks suspended my cards and agreed to send me a replacement card. Then when I called back Mr. Z at the number he gave me, a different lady attended to me and passed me on to a chinese lady who spoke in mandarin to me in a very heavy China accent. I told them that I have called my cc banks and cancelled my cards and specifically told her that I do not agree to their terms and I don't want their offer. She explained to me and assured me that they will delete my cc details and not charge me for anything. So, all this happened yesterday.
Being paranoid, I called my banks again this morning to double check if any transactions had gone through yesterday after I cancelled my card. And guess what. Those m#^*!#fkers actually did try to charge me but the banks did not let the transactions go through. I consider myself lucky coz I acted a step ahead of them.
Lesson from all of this, never ever entertain telephony offers that involve credit cards. 2 of my colleagues fell for these scams before and 1 of them was lucky enough to have the bank recognise it as a fraud case while the other 1 lost RM3000.
(Sent by: wanfshin@yahoo.com dated August 30, 2007)
Friday, August 13, 2010
Racism?
A White woman, about 50 years old, was seated next to a black man.
Obviously disturbed by this, she called the air Hostess..
'Madam, what is the matter,' the hostess asked.
'You obviously do not see it then?' she responded. 'You placed me next to a black man. I do not agree to sit next to someone from such a repugnant group.Give me an alternative seat.'
'Be calm please,' the hostess replied. 'Almost all the places on this Flight is taken. I will go to see if another place is available.'
The Hostess went away and t hen came back a few minutes later. 'Madam, Just as I thought, there are no other available seats in the economy class. I spoke to the captain and he informed me that there is a seat in the business class. All the same, we still have one place in the first class.'
Before the woman could say anything, the hostess continued: 'It is not usual for our company to permit someone from the economy class to sit in the first class. However, given the circumstances, the captain feels that it would be scandalous to make someone sit next to someone so disgusting.'
She turned to the black guy, and said, 'Therefore, Sir, if you would like to,
please collect your hand luggage, a seat awaits you in first class.'
At that moment, the other passengers who were shocked by what they had just witnessed stood up and applauded.
Obviously disturbed by this, she called the air Hostess..
'Madam, what is the matter,' the hostess asked.
'You obviously do not see it then?' she responded. 'You placed me next to a black man. I do not agree to sit next to someone from such a repugnant group.Give me an alternative seat.'
'Be calm please,' the hostess replied. 'Almost all the places on this Flight is taken. I will go to see if another place is available.'
The Hostess went away and t hen came back a few minutes later. 'Madam, Just as I thought, there are no other available seats in the economy class. I spoke to the captain and he informed me that there is a seat in the business class. All the same, we still have one place in the first class.'
Before the woman could say anything, the hostess continued: 'It is not usual for our company to permit someone from the economy class to sit in the first class. However, given the circumstances, the captain feels that it would be scandalous to make someone sit next to someone so disgusting.'
She turned to the black guy, and said, 'Therefore, Sir, if you would like to,
please collect your hand luggage, a seat awaits you in first class.'
At that moment, the other passengers who were shocked by what they had just witnessed stood up and applauded.
中國旅遊, 緊急通知 China travel-alert
China Travel, emergency notification.
The latest news; if going to China for sightseeing, please be careful!
Emergency Notification:
If someone tries to sell you dried seafood products and suggest that you sniff, taste and try, you must pay attention.
This is a drugged sort of thing, when you smell it, you'll lose consciousness.
Then they'll take your wallet and all your personal valuables.
Please be sure to send this to all your friends. now in Guangdong , Hebei , Tianjin ,
Wuhan and other places have begun to happen.
Please be alert not to be fooled and deceived!
中國旅遊, 緊急通知, 請盡量傳開去
最新的消息﹔如果有要去中國旅遊, 請小心!
緊急通知: 若是有人接近你，向你推銷海味干貨產品，
又建議你聞一下、試一下味道的話，一定要注意了，
這是一種迷藥類的東西，當你聞到它，你就會昏。
然後他們就會拿走你的皮夾、你身上所有的值錢物品。
請務必發給你所有認識的朋友，現在廣東、河北、天津、
武漢等地已開始亮相了，請大家提高警惕，以免上當、被騙！
The latest news; if going to China for sightseeing, please be careful!
Emergency Notification:
If someone tries to sell you dried seafood products and suggest that you sniff, taste and try, you must pay attention.
This is a drugged sort of thing, when you smell it, you'll lose consciousness.
Then they'll take your wallet and all your personal valuables.
Please be sure to send this to all your friends. now in Guangdong , Hebei , Tianjin ,
Wuhan and other places have begun to happen.
Please be alert not to be fooled and deceived!
中國旅遊, 緊急通知, 請盡量傳開去
最新的消息﹔如果有要去中國旅遊, 請小心!
緊急通知: 若是有人接近你，向你推銷海味干貨產品，
又建議你聞一下、試一下味道的話，一定要注意了，
這是一種迷藥類的東西，當你聞到它，你就會昏。
然後他們就會拿走你的皮夾、你身上所有的值錢物品。
請務必發給你所有認識的朋友，現在廣東、河北、天津、
武漢等地已開始亮相了，請大家提高警惕，以免上當、被騙！
Thursday, August 12, 2010
Robbery at Service Station
A friend related the following to me:
Just a few days' ago, his prospective son-in-law (let's call him John) was at a Shell station in Sunway. After inserting his credit card into a pump, he turned to open his petrol tank cap. Just then a Mat Rempit who was obviously hiding behind this pump popped out and removed the credit card from the slot!
It was done so fast that John didn't realise his credit card was hijacked.
Only when a lady at another pump who witnessed this gestured towards the Mat Rempit who by then has inserted his credit card in another pump did John realise the Mat Rempit was using his card to pump petrol.
Going over, John confronted him. Instead, this Mat Rempit attacked John with his helmet. Then John saw a few other Mat Rempits rushing towards them (with helmets swinging) that John quickly got into his car and bolted. About six Mat Rempits pursued him on their bikes. Meanwhile, John was calling the police on his mobile giving the police the location of the Shell Station.
Meanwhile, there was carnage at the petrol station because the station manager shut-down the whole station's system thereby disabling the pumps. The Mat Rempits went berserk and attacked the petrol station's pumps and equipment. Everyone ran like a tsunami just struck.
By this time, John returned to the petrol station with the Mat Rempits still hot in pursuit. Unknown to them, the police has already arrived with a few patrol cars. Those Mat Rempits ran straight into the arms of the law!
John was lucky. Moral of the story is that this could happen to anyone of us and one of our loved ones.
Think about the above and take appropriate precautions at petrol stations or anywhere public.
Please take care,
Story By:
Bernard Lee
李峻伐
Just a few days' ago, his prospective son-in-law (let's call him John) was at a Shell station in Sunway. After inserting his credit card into a pump, he turned to open his petrol tank cap. Just then a Mat Rempit who was obviously hiding behind this pump popped out and removed the credit card from the slot!
It was done so fast that John didn't realise his credit card was hijacked.
Only when a lady at another pump who witnessed this gestured towards the Mat Rempit who by then has inserted his credit card in another pump did John realise the Mat Rempit was using his card to pump petrol.
Going over, John confronted him. Instead, this Mat Rempit attacked John with his helmet. Then John saw a few other Mat Rempits rushing towards them (with helmets swinging) that John quickly got into his car and bolted. About six Mat Rempits pursued him on their bikes. Meanwhile, John was calling the police on his mobile giving the police the location of the Shell Station.
Meanwhile, there was carnage at the petrol station because the station manager shut-down the whole station's system thereby disabling the pumps. The Mat Rempits went berserk and attacked the petrol station's pumps and equipment. Everyone ran like a tsunami just struck.
By this time, John returned to the petrol station with the Mat Rempits still hot in pursuit. Unknown to them, the police has already arrived with a few patrol cars. Those Mat Rempits ran straight into the arms of the law!
John was lucky. Moral of the story is that this could happen to anyone of us and one of our loved ones.
Think about the above and take appropriate precautions at petrol stations or anywhere public.
Please take care,
Story By:
Bernard Lee
李峻伐
Latest Robbery/Car-Jack Tactic
The latest tactic used by robbers to stop you while driving and to rob, rape or slash you has come to my attention after a friend of mine was trapped in this situation.
LATEST CASE
My good friend was driving along Kesas Highway with his wife just after Plaza Tol Puchong towards Kajang last Sunday 23rd December at around 11 pm after attending a dinner function at his relative's house in Bandar Sunway.
Suddenly, a motorbike overtook them and the pillion rider threw 2 eggs towards his car windscreen. Within seconds, his whole windscreen was smeared with the messy broken eggs. His immediate reflex action was to turn on the windscreen wipers which quickly covered the whole surface and blurred his vision.
So he immediately slowed his car and brought it to a halt along the emergency lane.
Then he got out of his car and was trying to wipe and wash the windscreen while his wife was seated inside the car. All of a sudden a Proton Satria stopped behind his car and 3 guys came running towards him with Samurai swords screaming at him to surrender his car and wallet.
Luckily my friend, who is attached to the police CID, managed to pull his gun out and fire two warning shots in the air. The 3 guys ran helter skelter back into their car and drove off at a very high speed.
He called up for assistance and was told the getaway car had a false number plate.
Apparently, this tactic has been used quite often in the latest string of road side robberies especially with lady drivers or men driving alone or with women and small children.
So please, should you encounter such a situation, REMEMBER to make sure:
1) Not to turn on your car windscreen wipers.
2) Continue driving, with whatever available vision, to the nearest petrol station, police station, 7 Eleven store or any other crowded or brightly lit place to attract attention.
LATEST CASE
My good friend was driving along Kesas Highway with his wife just after Plaza Tol Puchong towards Kajang last Sunday 23rd December at around 11 pm after attending a dinner function at his relative's house in Bandar Sunway.
Suddenly, a motorbike overtook them and the pillion rider threw 2 eggs towards his car windscreen. Within seconds, his whole windscreen was smeared with the messy broken eggs. His immediate reflex action was to turn on the windscreen wipers which quickly covered the whole surface and blurred his vision.
So he immediately slowed his car and brought it to a halt along the emergency lane.
Then he got out of his car and was trying to wipe and wash the windscreen while his wife was seated inside the car. All of a sudden a Proton Satria stopped behind his car and 3 guys came running towards him with Samurai swords screaming at him to surrender his car and wallet.
Luckily my friend, who is attached to the police CID, managed to pull his gun out and fire two warning shots in the air. The 3 guys ran helter skelter back into their car and drove off at a very high speed.
He called up for assistance and was told the getaway car had a false number plate.
Apparently, this tactic has been used quite often in the latest string of road side robberies especially with lady drivers or men driving alone or with women and small children.
So please, should you encounter such a situation, REMEMBER to make sure:
1) Not to turn on your car windscreen wipers.
2) Continue driving, with whatever available vision, to the nearest petrol station, police station, 7 Eleven store or any other crowded or brightly lit place to attract attention.
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