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Showing posts with label general information. Show all posts
Showing posts with label general information. Show all posts
Thursday, January 14, 2010
FW: What to Take to Bed With You
Tuesday, November 17, 2009
Malaysia: Where will we be in 2020
Malaysia: Where will we be in 2020......? (Must Read)
For those who started work around 1973, a 1.3 Litre Japanese car was RM7,000.
Today the equivalent is.... let's say RM60,000.......8.5 times
In 1973 a double storey house was about RM45,000..or less.
Today it is about RM300,000............6.6 times
In 1973 an Engineer's pay was RM1,000.
Today it is about RM2, 000+/-...........2 times....
From 1973 to 2008........35 years......what is the Trend?
Bearish!!!!
In a stock market when the trend is bearish, what do we do? ..Exit !!!
When a country's trend is bearish what do we do?
This Bearish trend is more difficult to turn around as compared to the stock market.
I have used these 3 items: House, Car & Salary as a measurement of the country's performance for the past 35 years....
Foreigners also ask about these 3 items to gauge our standard of living.
There is a book I saw entitled: “Malaysia : The Failed Nation”.
Some of you may be interested to read it. I agreed with the writer.....
This morning I was having coffee at McDonald (now the coffee..100 % Arabica beans..is quite good @ RM 2.90....free refill !!
I asked how much per hour is their pay?
RM3.00 x 8 hours = RM24 per day x 25 days = RM600 per month
My daughter works part-time during her University days..she worked at Gloria Jeans Coffee.... The pay?
Australian $14.00 @ 3.15 = RM44 per hour x 8 = RM352 per day x 25 days = RM8,800 ...13.3 times more !!!!!
......Price of houses in Perth is about the same in KL.
Price of cars are about 23% cheaper in Perth.
I think more and more people are becoming aware of this Bearish trend.
Developed country by 2020...means High income country!!
Let's look at some as of year 2005 (Financial Times)
USA GNP per capita US$35, 400
UK GNP per capita US$25,510
Australia GNP per capita US$19 ,530
Singapore GNP per capita US$20,690
These are developed countries by income measurement....
Malaysia 's GNP per capita US$3,540
Year 2020..developed country?
Really...a sad story. Worrying Trends, isn't it??
Ringgit sliding further and further under BN.
Ringgit sliding further and further under BN.
Recently, I interviewed some fresh graduates applying for jobs with my engineering company.
I accepted two applicants on a starting salary of RM1,600. It struck me as odd that 15 years
ago, I myself started work as a fresh graduate engineer for the same pay.
Indeed, if you compare the salaries of graduates now and 15 or even 20 years ago, you'll find
little difference but that their purchasing power is vastly different. It's the same story when you
compare salaries of shop assistants, office staff, factory workers and others.
To compound the effect of inflation, the ringgit has depreciated greatly against all major currencies.
The real income of most Malaysians has moved backwards.
This is why many Malaysians suffer under the petrol hike. The root of the problem is that our real incomes have shrunk in the face of inflation and depreciated currency.. Malaysians have not been spoiled by subsidy but are unable to move out of the time lock of stagnated and depreciated incomes.
If you compare the per capita incomes of Singapore, Hong Kong, Taiwan and South Korea, they are a few multiples of ours although at independence all these countries were the on the same economic level as Malaysia. We we grouped with them and were called Asia little Tigers. Today all of them have progressed and become 1st World (OECD) except us. We are now compared with second tiered Thailand, Indonesia and Vietnam who also seem to have overtaken us...!
What has gone wrong? We were the rising star of East Asia, a country rich in natural resources with the most promising potential.
The reason is massive corruption, plundering of resources, wastage of funds for huge non-economic projects, anti-public interest deals with politically-linked companies (cronies)and passing-of-the-buck to the man in the street..For example, Hong Kong and Singapore eradicated massive corruption in the 80s-90s with their ICAC and promoted transparency and meritocracy with wolrd standard education to uplift their economies. They now have universities ranked in the World's Top 50 (none in the 80-90s except University Malaya ).
Four decades of NEP where education, economic and employment policies are defined by race ensured that meritocracy took a back seat.
Our university standard has declined and today the best and brightest of our youths emigrate to escape the racial inequility only to contribute to the economies of foreign lands.
The reputation of our judiciary which was held in high esteem worldwide has sunk so low that foreign investors now insist on arbitration in Singapore in case of any dispute.
We also have a slew of oppressive laws such as the ISA, OSA, Uuca and PPPA which stifle free speech and are designed to keep the ruling parties in power.
We have become less attractive to foreign investors and now lag behind our neighbours in Asean for foreign direct investment. Even some corporations who have established themselves here are moving out.
All the economic and social malaise cannot help but affect the value of our currency. The strength of a country's currency is after all, a reflection of its fundamentals.
Furthermore, Bank Negara has a policy of weak ringgit to help exporters, never mind the burden on the common folk. The government is pro-corporation, not pro-rakyat.
While the poor and middle-class are squeezed, an elite group gets breathtakingly rich. We have the distinction of having the worse income disparity in Asean. A re-distribution of wealth is under way from the poor and middle-class to a select group of politically-connected elite.
The end result of this re-distribution will be a small group of super-rich while the majority are pushed into poverty and the middle-class shrinks. This is what happens when the rich gets richer and the poor get poorer.
There is much that is wrong with Malaysia . The responsibility for pulling the country backwards can be laid squarely at the door of the ruling regime. It is BN's mis-governance, racial politics and culture of patronage which has seen the country regress economically and socially.
We seem to be sliding down a slippery slope, further down with each passing year of BN's rule. Another five years of BN rule and we'll be at Indonesia's standard under Suharto. Another 10 years and we'll be touching the African standard. What a way to greet 2020!!!!
Is there any hope for Malaysia?I accepted two applicants on a starting salary of RM1,600. It struck me as odd that 15 years
ago, I myself started work as a fresh graduate engineer for the same pay.
Indeed, if you compare the salaries of graduates now and 15 or even 20 years ago, you'll find
little difference but that their purchasing power is vastly different. It's the same story when you
compare salaries of shop assistants, office staff, factory workers and others.
To compound the effect of inflation, the ringgit has depreciated greatly against all major currencies.
The real income of most Malaysians has moved backwards.
This is why many Malaysians suffer under the petrol hike. The root of the problem is that our real incomes have shrunk in the face of inflation and depreciated currency.. Malaysians have not been spoiled by subsidy but are unable to move out of the time lock of stagnated and depreciated incomes.
If you compare the per capita incomes of Singapore, Hong Kong, Taiwan and South Korea, they are a few multiples of ours although at independence all these countries were the on the same economic level as Malaysia. We we grouped with them and were called Asia little Tigers. Today all of them have progressed and become 1st World (OECD) except us. We are now compared with second tiered Thailand, Indonesia and Vietnam who also seem to have overtaken us...!
What has gone wrong? We were the rising star of East Asia, a country rich in natural resources with the most promising potential.
The reason is massive corruption, plundering of resources, wastage of funds for huge non-economic projects, anti-public interest deals with politically-linked companies (cronies)and passing-of-the-buck to the man in the street..For example, Hong Kong and Singapore eradicated massive corruption in the 80s-90s with their ICAC and promoted transparency and meritocracy with wolrd standard education to uplift their economies. They now have universities ranked in the World's Top 50 (none in the 80-90s except University Malaya ).
Four decades of NEP where education, economic and employment policies are defined by race ensured that meritocracy took a back seat.
Our university standard has declined and today the best and brightest of our youths emigrate to escape the racial inequility only to contribute to the economies of foreign lands.
The reputation of our judiciary which was held in high esteem worldwide has sunk so low that foreign investors now insist on arbitration in Singapore in case of any dispute.
We also have a slew of oppressive laws such as the ISA, OSA, Uuca and PPPA which stifle free speech and are designed to keep the ruling parties in power.
We have become less attractive to foreign investors and now lag behind our neighbours in Asean for foreign direct investment. Even some corporations who have established themselves here are moving out.
All the economic and social malaise cannot help but affect the value of our currency. The strength of a country's currency is after all, a reflection of its fundamentals.
Furthermore, Bank Negara has a policy of weak ringgit to help exporters, never mind the burden on the common folk. The government is pro-corporation, not pro-rakyat.
While the poor and middle-class are squeezed, an elite group gets breathtakingly rich. We have the distinction of having the worse income disparity in Asean. A re-distribution of wealth is under way from the poor and middle-class to a select group of politically-connected elite.
The end result of this re-distribution will be a small group of super-rich while the majority are pushed into poverty and the middle-class shrinks. This is what happens when the rich gets richer and the poor get poorer.
There is much that is wrong with Malaysia . The responsibility for pulling the country backwards can be laid squarely at the door of the ruling regime. It is BN's mis-governance, racial politics and culture of patronage which has seen the country regress economically and socially.
We seem to be sliding down a slippery slope, further down with each passing year of BN's rule. Another five years of BN rule and we'll be at Indonesia's standard under Suharto. Another 10 years and we'll be touching the African standard. What a way to greet 2020!!!!
Faced with the reality that BN will never change, many Malaysians desperate for change turn their lonely eyes to Anwar Ibrahim.
Pakatan Raykat has promised to treat all races fairly, to plug wastage, fight corruption, reform the judiciary and make Malaysia more competitive.
But some have questioned whether we can trust Anwar and his loose coalition of disparate parties..
The question is not whether we can trust Anwar and Pakatan Rakyat but whether we can afford not to.
Can we afford another ten years of BN's misrule?
WE have the power to do something in GE13; OUR FUTURE IS IN OUR OWN HANDS!!!
Thursday, September 10, 2009
Fw: About EPF... must read...
If ONE (1) of our Nominee in the EPF Nominees list deceased, 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.
Thus if, you DO have few names in the EPF Nominees list still - the whole arrangement is VOID & none of the individual balance name in the EPF Nominees list will get their potion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Piece of advice - if any of the your Nominee in the EPF Nominees list decease, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & re-instate you 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 surrender 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.
Thus if, you DO have few names in the EPF Nominees list still - the whole arrangement is VOID & none of the individual balance name in the EPF Nominees list will get their potion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Piece of advice - if any of the your Nominee in the EPF Nominees list decease, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & re-instate you 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 surrender 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.
Sunday, August 23, 2009
FW: Guideline for the use of surgical mask (A H1N1 2009 )
Dear All,
As this kind of virus is droplet spread, the surgical mask is an essential protective barrier for this outbreak. As a result, the surgical mask became in short supply. Therefore, everyone should know the corrective way of use to create the utmost efficacy.
However, there are several questions about wearing surgical mask such as:
There are 2 sides of surgical mask and the white color side contains filter. The corrective ways of use are:
- If we have flu, the white side should attach to our face (the color side faces out) to filter the micro-organism not to spread them out to others
- If we are not ill, the white side should face out to protect micro-organism from environment to come to contact with us
As this kind of virus is droplet spread, the surgical mask is an essential protective barrier for this outbreak. As a result, the surgical mask became in short supply. Therefore, everyone should know the corrective way of use to create the utmost efficacy.
However, there are several questions about wearing surgical mask such as:
There are 2 sides of surgical mask and the white color side contains filter. The corrective ways of use are:
- If we have flu, the white side should attach to our face (the color side faces out) to filter the micro-organism not to spread them out to others
- If we are not ill, the white side should face out to protect micro-organism from environment to come to contact with us
Tuesday, August 18, 2009
FW: Earlier symptom on H1N1
From: Jennie Loo
Subject: Earlier symptom on H1N1
To:
Date: Sunday, August 16, 2009, 11:27 PM
Hi all,
I was just informed by my GM whose her daughter has been down for fever think around 1 week. He took his daughter to Gleneagles Dr. Patrick for check-up. Dr. Patrick has gave him a very useful advice and i just wanted to share it with you guys.
When children has fever, the dr will prescribe the fever medicine to consume either in 4 or 6 hours period. I think all of you guys know very well on this. Normally the fever will go down after taken the medicine, and it will come back after 3 or 6 hours. But if it for H1N1 infectious, the fever will not be going down after taking the medicine and it will consistantly stay at high temperature for hours. And if this condition continous for 48 hrs, then the possibility of H1N1 infectious will be very high. For this case, i mean consistant high fever for 48 hrs, dr will straight away give the patient the H1N1 antiviral treatment, ie Tamiflu treatment for period of 7 days.
Rgds,
Jennie Loo
Subject: Earlier symptom on H1N1
To:
Date: Sunday, August 16, 2009, 11:27 PM
Hi all,
I was just informed by my GM whose her daughter has been down for fever think around 1 week. He took his daughter to Gleneagles Dr. Patrick for check-up. Dr. Patrick has gave him a very useful advice and i just wanted to share it with you guys.
When children has fever, the dr will prescribe the fever medicine to consume either in 4 or 6 hours period. I think all of you guys know very well on this. Normally the fever will go down after taken the medicine, and it will come back after 3 or 6 hours. But if it for H1N1 infectious, the fever will not be going down after taking the medicine and it will consistantly stay at high temperature for hours. And if this condition continous for 48 hrs, then the possibility of H1N1 infectious will be very high. For this case, i mean consistant high fever for 48 hrs, dr will straight away give the patient the H1N1 antiviral treatment, ie Tamiflu treatment for period of 7 days.
Rgds,
Jennie Loo
Saturday, July 18, 2009
Fw:6pm至6am是女生權益（重要咨詢）
Subject: 6pm至6am是女生權益（重要咨詢）
Women's Rights 6 pm to 6 am (important for your knowledge)
Dear all,
Please read and share with your loved one ....
IMPORTANT
Women's Rights 6 p.m. to 6 a.m.
I was talking with a lawyer friend of mine.
We were discussing the law and women's rights.
She told me about this incident
- a young girl was raped by a man posing as a plain clothes officer;
he asked her to come to the police station when she and her male
friend didn't have a driver's license to show. He sent the boy off to
get his license and asked the girl to accompany him to the police
station.
Took her instead to an isolated area where the horrendous crime was committed.
In fact, the law clearly states that between 6 pm and 6 am , a woman
has the right to REFUSE to go to the Police Station, even if an arrest
warrant has been issued against her...
It is a procedural issue that a woman can be arrested between 6 pm and
6 am , ONLY if she is arrested by a woman officer and taken to an ALL
WOMEN police station.
And if she is arrested by a male officer, it has to be proven that a
woman officer was on duty at the time of arrest.
It is good for us to know our rights. To what extent it comes of use
remains to be seen in any situation. But as they say, knowledge is
power. Just thought I'd share this with you. I did not know this and
am sure lot of us will not know this- please be informed..... And pass
on this info to whom all you know.......
各位女士們注意：
傍晚6pm至早上6am是女生權益（重要咨詢）
曾經與一位律師朋友聊天得知，我們正談論法律和女士的權益問題...
律師朋友告訴我一個案：
一個年輕的少女被身穿便服的男警察強奸了。當時，少女和男友拿不出駕駛執照，這警察要求少女跟她回警察局，要其男友回家去拿駛照 。
途中就載少女到一処偏僻地方，強奸了她。
律師朋友清楚說到：其實女士們在傍晚6pm-6am是有權利拒絕任何（男）警察的要求，自己單獨跟隨一或一群（男）警察囘返警局。即使有通緝令，也可以暫時拒絕。
除非，當時是被女警逮捕，而且警察局裏的警察人員都是《女警》在當值。又或者，被男警逮捕時有女警在場。否則一概可拒絕。
這法律知識對我們很有幫助，以防備下囘有類似事情發生在我們身上、家人朋友身上。
因爲很多人對《法律》和《警方程序》的無知，而不幸受害真的很多。
說真的，對此我之前真的不知道，相信也有很多人不知道。。
Women's Rights 6 pm to 6 am (important for your knowledge)
Dear all,
Please read and share with your loved one ....
IMPORTANT
Women's Rights 6 p.m. to 6 a.m.
I was talking with a lawyer friend of mine.
We were discussing the law and women's rights.
She told me about this incident
- a young girl was raped by a man posing as a plain clothes officer;
he asked her to come to the police station when she and her male
friend didn't have a driver's license to show. He sent the boy off to
get his license and asked the girl to accompany him to the police
station.
Took her instead to an isolated area where the horrendous crime was committed.
In fact, the law clearly states that between 6 pm and 6 am , a woman
has the right to REFUSE to go to the Police Station, even if an arrest
warrant has been issued against her...
It is a procedural issue that a woman can be arrested between 6 pm and
6 am , ONLY if she is arrested by a woman officer and taken to an ALL
WOMEN police station.
And if she is arrested by a male officer, it has to be proven that a
woman officer was on duty at the time of arrest.
It is good for us to know our rights. To what extent it comes of use
remains to be seen in any situation. But as they say, knowledge is
power. Just thought I'd share this with you. I did not know this and
am sure lot of us will not know this- please be informed..... And pass
on this info to whom all you know.......
各位女士們注意：
傍晚6pm至早上6am是女生權益（重要咨詢）
曾經與一位律師朋友聊天得知，我們正談論法律和女士的權益問題...
律師朋友告訴我一個案：
一個年輕的少女被身穿便服的男警察強奸了。當時，少女和男友拿不出駕駛執照，這警察要求少女跟她回警察局，要其男友回家去拿駛照 。
途中就載少女到一処偏僻地方，強奸了她。
律師朋友清楚說到：其實女士們在傍晚6pm-6am是有權利拒絕任何（男）警察的要求，自己單獨跟隨一或一群（男）警察囘返警局。即使有通緝令，也可以暫時拒絕。
除非，當時是被女警逮捕，而且警察局裏的警察人員都是《女警》在當值。又或者，被男警逮捕時有女警在場。否則一概可拒絕。
這法律知識對我們很有幫助，以防備下囘有類似事情發生在我們身上、家人朋友身上。
因爲很多人對《法律》和《警方程序》的無知，而不幸受害真的很多。
說真的，對此我之前真的不知道，相信也有很多人不知道。。
Thursday, July 2, 2009
Fw: TVB Hong Kong's Documentary on Penang - CM Lim Guan Eng................MUST SEE!!!!
This clip is very inspiring to many, not just in
> Malaysia
> > but also in
> > other countries.
> >
> > Hong Kong TV program about Penang – Penang people
> esp.
> > should watch this!
> >
> > Also, please distribute this to your friends &
> other
> > family to watch.
> >
> >
> > Part 1, 2, 3 >> with English subtitles
> > =========
> >
> >
> >
> Malaysia
> > but also in
> > other countries.
> >
> > Hong Kong TV program about Penang – Penang people
> esp.
> > should watch this!
> >
> > Also, please distribute this to your friends &
> other
> > family to watch.
> >
> >
> > Part 1, 2, 3 >> with English subtitles
> > =========
> >
> >
> >
沒事衣物不要送乾洗
我跟我先生之前在洗衣工廠工作，他會接觸到乾洗劑，結果做快一年身體變得很虛弱 (變成奧少年)，檢查的結果是肝臟有問題離職後調養了好幾年，才慢慢好起來。
他的結論是：沒事衣物不要送乾洗，用水手洗最乾淨 ....
請用力告訴你的朋友吧！！
清潔劑不是在洗的時候才會傷害...................
法國 2歲男童夢中窒息喪命 床單窗簾乾洗溶劑惹禍！
衣物送乾洗，竟然害小孩因此送了命？
在法國一位 2 歲男童，因為家長將床單、窗簾等等全部送乾洗，上頭還殘留有毒的乾洗有機溶劑，導致小男童在睡夢中窒息送命，是全球罕見的致死案例！
因此醫師特別提醒，乾洗衣物一定要擺到沒有味道後再穿、再收藏比較安全。
衣服送乾洗後，上頭一定會有股化學味道，相信很多民眾都很熟悉，只是沒想到洗得乾乾淨淨的衣物，上面殘留的氣味卻成了殺人兇手，在法國就奪走一位 2歲男童的性命。
元兇就是致命的乾洗劑、四氯乙烯，而這種乾洗劑在國內還有 1百多家店正在使用。
林口長庚毒物科主任林杰樑指出，四氯乙烯恐怕會造成肝腎傷害，有致癌的疑慮，且濃度高的話還可能麻痺呼吸，致人於死！至於大部分乾洗店用的石油矽，也還是具有肝毒性。
怎麼知道自己是不是置身於致命環境中，林杰樑表示，其實只要聞得到化學氣味，就代表濃度已經超過100PPM，絕對不能逗留超過 15 分鐘。
至於拿回家的乾洗衣物，一定要先拿掉防塵塑膠套，擺到沒有氣味後再收藏、再穿，才不會對身體有害。
如果您收到別人分享給您的好文章，不要吝嗇，您也可以繼續分享給好友，請別忘我這一份喔。
當我們用心對人時，有心人將會適時回饋給你。
他的結論是：沒事衣物不要送乾洗，用水手洗最乾淨 ....
請用力告訴你的朋友吧！！
清潔劑不是在洗的時候才會傷害...................
法國 2歲男童夢中窒息喪命 床單窗簾乾洗溶劑惹禍！
衣物送乾洗，竟然害小孩因此送了命？
在法國一位 2 歲男童，因為家長將床單、窗簾等等全部送乾洗，上頭還殘留有毒的乾洗有機溶劑，導致小男童在睡夢中窒息送命，是全球罕見的致死案例！
因此醫師特別提醒，乾洗衣物一定要擺到沒有味道後再穿、再收藏比較安全。
衣服送乾洗後，上頭一定會有股化學味道，相信很多民眾都很熟悉，只是沒想到洗得乾乾淨淨的衣物，上面殘留的氣味卻成了殺人兇手，在法國就奪走一位 2歲男童的性命。
元兇就是致命的乾洗劑、四氯乙烯，而這種乾洗劑在國內還有 1百多家店正在使用。
林口長庚毒物科主任林杰樑指出，四氯乙烯恐怕會造成肝腎傷害，有致癌的疑慮，且濃度高的話還可能麻痺呼吸，致人於死！至於大部分乾洗店用的石油矽，也還是具有肝毒性。
怎麼知道自己是不是置身於致命環境中，林杰樑表示，其實只要聞得到化學氣味，就代表濃度已經超過100PPM，絕對不能逗留超過 15 分鐘。
至於拿回家的乾洗衣物，一定要先拿掉防塵塑膠套，擺到沒有氣味後再收藏、再穿，才不會對身體有害。
如果您收到別人分享給您的好文章，不要吝嗇，您也可以繼續分享給好友，請別忘我這一份喔。
當我們用心對人時，有心人將會適時回饋給你。
不用錢-打全世界30餘國室內電話軟體
好用與否不妨一試
1.軟體名稱：VoipStunt
2.軟體語系：英文
3.軟體簡介：可打全世界30餘國的室內電話完全不用錢,打 手機就要收費,播打方法跟 skype 相同的網路電話
4.軟體(檔案)版本(日期)：2.08
5.軟體性質共享、免費、破解：free
6.軟體類型：網路工作
7.下載方式(工具)：由官網直接下載
8.運行環境： Win9x/WinNT/ 2000/ME/XP
9.相關聯結 http://www.voipstun t.com/en/ splashvoipin. html
打全世界30餘國的室內電話(regular laneline) 完全不用錢的軟體！
打室內電話(regular laneline) 全部不用錢
手機就要收費了
播打方法跟 skype 相同
試過打美國跟台灣，很清楚喔
ps:好像有時間限制...3分鐘的樣子就會切斷了
Ex: 台北 +886 2 xxxxxxxx 2是區域碼
Ex: US San Jose +140 8 xxxxxxx
2.軟體語系：英文
3.軟體簡介：可打全世界30餘國的室內電話完全不用錢,打 手機就要收費,播打方法跟 skype 相同的網路電話
4.軟體(檔案)版本(日期)：2.08
5.軟體性質共享、免費、破解：free
6.軟體類型：網路工作
7.下載方式(工具)：由官網直接下載
8.運行環境： Win9x/WinNT/ 2000/ME/XP
9.相關聯結 http://www.voipstun t.com/en/ splashvoipin. html
打全世界30餘國的室內電話(regular laneline) 完全不用錢的軟體！
打室內電話(regular laneline) 全部不用錢
手機就要收費了
播打方法跟 skype 相同
試過打美國跟台灣，很清楚喔
ps:好像有時間限制...3分鐘的樣子就會切斷了
Ex: 台北 +886 2 xxxxxxxx 2是區域碼
Ex: US San Jose +140 8 xxxxxxx
Wednesday, July 1, 2009
Fw: BEWARE OF DANGER IN MALAYSIA : NEWSPAPERS LYING ONTHE ROAD
Date: Tuesday, June 23, 2009, 8:40 AM
Beware of newspapers lying on the road
If you are driving in Malaysia , do take note of the advice below..
Please pass this onto yr friends.. Avoid driving over newspapers
strewn on the road It would appear that this technique has reached
Malaysia from Indonesia .
Life here is getting more like in Indonesia these days. This story
which was circulated to me reminds me of the traps set in certain
parts of Jakarta by robbers.. Some people have lost their lives over
this. They drive into certain lonely roads in Jakarta to find pieces
of wood with nails in them on the road. This causes their tyres to go
flat. If they get out of their cars, they are set upon by robbers who
will take everything: their cars, wallets, anything valuable and
sometimes their lives.
Avoid driving over newspapers strewn on the Road a new trap set by
Robbers. This incident happened some where in KL and forwarded to me
by a friend..
This person was driving alone at night when he saw newspapers lying
around in the middle of the road. Without giving it much thought, he
drove pass the stack of papers. No one would expect to find heaps of
rocks and stones beneath the papers!! Wanting to know the damage to
his car, he stopped to check.
Need I say more? The moment he got out of his car, he was robbed by a
group of guys and lost his properties/belongings. Just imagine what
would have happen if this had happen to a girl/woman....
So folks, please be careful, do not stop when you're driving alone at
night no matter what ! Avoid driving over the papers if you see
newspapers lying on the road, this could be a new trick for the
desperate fraternity out there...........!!
Don’t know if its true……………..
Beware of newspapers lying on the road
If you are driving in Malaysia , do take note of the advice below..
Please pass this onto yr friends.. Avoid driving over newspapers
strewn on the road It would appear that this technique has reached
Malaysia from Indonesia .
Life here is getting more like in Indonesia these days. This story
which was circulated to me reminds me of the traps set in certain
parts of Jakarta by robbers.. Some people have lost their lives over
this. They drive into certain lonely roads in Jakarta to find pieces
of wood with nails in them on the road. This causes their tyres to go
flat. If they get out of their cars, they are set upon by robbers who
will take everything: their cars, wallets, anything valuable and
sometimes their lives.
Avoid driving over newspapers strewn on the Road a new trap set by
Robbers. This incident happened some where in KL and forwarded to me
by a friend..
This person was driving alone at night when he saw newspapers lying
around in the middle of the road. Without giving it much thought, he
drove pass the stack of papers. No one would expect to find heaps of
rocks and stones beneath the papers!! Wanting to know the damage to
his car, he stopped to check.
Need I say more? The moment he got out of his car, he was robbed by a
group of guys and lost his properties/belongings. Just imagine what
would have happen if this had happen to a girl/woman....
So folks, please be careful, do not stop when you're driving alone at
night no matter what ! Avoid driving over the papers if you see
newspapers lying on the road, this could be a new trick for the
desperate fraternity out there...........!!
Sunday, June 28, 2009
FW: 貨到再付款，這是很高招的騙術
貨到再付款，這是很高招的騙術
貨到再付款，這是很高招的騙術網路廣告最近一些高價的東西，例如：手機、DVD、notebook、DC.....等都便宜的離譜，並告訴你〝收到貨再付款〞。 （不要以為〝收到貨再付款〞就不會被騙錢...）雖然你會收到全新的機器，而且操作正常。
心想：這樣應該就沒問題了，所以就把錢匯給他。
結果原來他是用假信用卡去訂貨，然後直接從郵購公司寄到你家，你以為已經收到貨，所以就匯錢給他，等到郵購公司發現是假信用卡時，追查貨物流向，就找上你家，貨不但被收，你還得澄清不是你使用假信用卡。
可以把這個郵件轉寄給你所認識的每個人，以免有人被騙！
貨到再付款，這是很高招的騙術網路廣告最近一些高價的東西，例如：手機、DVD、notebook、DC.....等都便宜的離譜，並告訴你〝收到貨再付款〞。 （不要以為〝收到貨再付款〞就不會被騙錢...）雖然你會收到全新的機器，而且操作正常。
心想：這樣應該就沒問題了，所以就把錢匯給他。
結果原來他是用假信用卡去訂貨，然後直接從郵購公司寄到你家，你以為已經收到貨，所以就匯錢給他，等到郵購公司發現是假信用卡時，追查貨物流向，就找上你家，貨不但被收，你還得澄清不是你使用假信用卡。
可以把這個郵件轉寄給你所認識的每個人，以免有人被騙！
Sunday, June 14, 2009
FW: “基孔*肯雅症*（Chikungunya）在槟城的蔓延
在这里，我想呼吁大家注意有关“基孔*肯雅症*（Chikungunya）在槟城的蔓延。
我刚刚昨天参加我姨丈的丧礼。
我家人亲戚已经有六人感染这个病毒，两人还留医治疗。
我姨丈也是其中一个感染的病人，但是他自己吃了它自己买的抗生素
（Antibiotik），导致他心脏衰弱而过世的。
*原来这个病是不可以吃抗生素的！但是这个病状是由发烧开始，假如某些医生不知
道，把它当作普通发烧，那么他就会给你*退烧片和抗生素！请注意！！！！！
最明显的症状是病患会全身发红，骨骼关节发痛，手脚肌肉僵硬不能走动，而且还会
浮肿。
如果你的血压过低，还必须留医深切观察。
我听说其他医院（中央医院和PMC）还不知道这疾病的蔓延严重性。
请到南华医院，你就会看到已经有许多人躺在那里了！
*请大家保持大家的健康，尽量多喝水，让身体不要发热.*
我刚刚昨天参加我姨丈的丧礼。
我家人亲戚已经有六人感染这个病毒，两人还留医治疗。
我姨丈也是其中一个感染的病人，但是他自己吃了它自己买的抗生素
（Antibiotik），导致他心脏衰弱而过世的。
*原来这个病是不可以吃抗生素的！但是这个病状是由发烧开始，假如某些医生不知
道，把它当作普通发烧，那么他就会给你*退烧片和抗生素！请注意！！！！！
最明显的症状是病患会全身发红，骨骼关节发痛，手脚肌肉僵硬不能走动，而且还会
浮肿。
如果你的血压过低，还必须留医深切观察。
我听说其他医院（中央医院和PMC）还不知道这疾病的蔓延严重性。
请到南华医院，你就会看到已经有许多人躺在那里了！
*请大家保持大家的健康，尽量多喝水，让身体不要发热.*
FW: Important: NEW FRAUD TACTIC TO GET INFORMATION.
Beware of a new fraud tactic. This just unbelievably happened to me
yesterday (June 3rd 2009). It made me went on a round of frenzies to
lodge report at a police station, cancelling all my credit cards and
changing all my savings/current accounts.
At around 1pm yesterday, I received a call from an Ambank number
which went into an automated machine informing me that I was about to
make a payment amounting to RM3,800.60 and to press 1 to confirm the
transaction or press 9 to speak to Customer Service. Caught by
surprise of such a call, I pressed 9 to speak to their Customer
Service. A guy by the name of Brandon answered and questioned me
whether I am about to make a RM3,800.60 payment which I said no. He
later asked whether I am now at KLIA. I straight away told him no and
that I am now at Kulim, Kedah. This Brandon guy then said that this
looks like a scam and he will immediately stop the RM3,800.60
transaction.
He further asked me whether I had recently applied for any credit
card which I said no. He informs me that there was an application for
an Ambank Mastercard under my name dated April 2nd 2009 with a credit
limit of RM10k and to date, the card has been used up to about
RM5,600++. He further advised me to immediately lodge a report with
Bank Negara’s Pusat Pengurusan Kad Kredit Palsu. I do not have the
number and he offered to connect me to Bank Negara where I spoke to
another guy named Charlie.
The call sounded really authentic and this Charlie guy pretended not
knowing anything and had me told him the story of what happened from A
to Z. Once I finished with my story, this Charlie guy asked me whether
do I suspect any close family members or friends misusing my personal
data for this purpose. He says it could be possible and it is very
important that I do not reveal a single thing to anybody until 6th
June 2009 (3 days) in order for the investigation to take place. He
asked me to provide him all of my banking and credit card details so
that he can monitor and track any unusual activity. I was also advised
not to make any banking or credit card transaction during these 3 days
so that proper investigation can be carried out and the unlawful
person can be intercepted should he/she use the card or make any
banking move.
I called my wife after all this ordeal informing her of what had
happened. She was highly skeptical and told me that things doesn’t
sound right as the so called Bank Negara would not have asked for all
banking details including savings/current accounts if this was just a
fraud card case. She advised me to make another call to Ambank to
check on more details of the so called Ambank Mastercard applied on
April 2nd, including to where was the credit card sent to?
I called Ambank immediately, looking for the Mr. Brandon I spoke to
earlier and the Ambank officer told me that there is no Mr. Brandon in
the Customer Service Department. I related the whole story of what had
taken place an hour earlier and the bank officer advised me to calm
down and to relax. She informs me that this is a fraud case and I need
to lodge a police report immediately. She also informs me that the
Bank Negara telephone number and extension provided to me by the Mr.
Charlie is a fake.
I was truly, truly dumbfounded!!! I have read so much about everyday
frauds and yet I still fall to this trap. I thought I was smart enough
to smell things like this but apparently, this new tactic really feeds
on human behavior when they are in a panicky situation. These guys are
really so so smooth that you tend to believe they are trying to solve
the woes that you are in.
I have been a victim and I hope it ends here. Please pass this on to
your loved ones to warn them of such a new tactic and to beware!!!!
yesterday (June 3rd 2009). It made me went on a round of frenzies to
lodge report at a police station, cancelling all my credit cards and
changing all my savings/current accounts.
At around 1pm yesterday, I received a call from an Ambank number
which went into an automated machine informing me that I was about to
make a payment amounting to RM3,800.60 and to press 1 to confirm the
transaction or press 9 to speak to Customer Service. Caught by
surprise of such a call, I pressed 9 to speak to their Customer
Service. A guy by the name of Brandon answered and questioned me
whether I am about to make a RM3,800.60 payment which I said no. He
later asked whether I am now at KLIA. I straight away told him no and
that I am now at Kulim, Kedah. This Brandon guy then said that this
looks like a scam and he will immediately stop the RM3,800.60
transaction.
He further asked me whether I had recently applied for any credit
card which I said no. He informs me that there was an application for
an Ambank Mastercard under my name dated April 2nd 2009 with a credit
limit of RM10k and to date, the card has been used up to about
RM5,600++. He further advised me to immediately lodge a report with
Bank Negara’s Pusat Pengurusan Kad Kredit Palsu. I do not have the
number and he offered to connect me to Bank Negara where I spoke to
another guy named Charlie.
The call sounded really authentic and this Charlie guy pretended not
knowing anything and had me told him the story of what happened from A
to Z. Once I finished with my story, this Charlie guy asked me whether
do I suspect any close family members or friends misusing my personal
data for this purpose. He says it could be possible and it is very
important that I do not reveal a single thing to anybody until 6th
June 2009 (3 days) in order for the investigation to take place. He
asked me to provide him all of my banking and credit card details so
that he can monitor and track any unusual activity. I was also advised
not to make any banking or credit card transaction during these 3 days
so that proper investigation can be carried out and the unlawful
person can be intercepted should he/she use the card or make any
banking move.
I called my wife after all this ordeal informing her of what had
happened. She was highly skeptical and told me that things doesn’t
sound right as the so called Bank Negara would not have asked for all
banking details including savings/current accounts if this was just a
fraud card case. She advised me to make another call to Ambank to
check on more details of the so called Ambank Mastercard applied on
April 2nd, including to where was the credit card sent to?
I called Ambank immediately, looking for the Mr. Brandon I spoke to
earlier and the Ambank officer told me that there is no Mr. Brandon in
the Customer Service Department. I related the whole story of what had
taken place an hour earlier and the bank officer advised me to calm
down and to relax. She informs me that this is a fraud case and I need
to lodge a police report immediately. She also informs me that the
Bank Negara telephone number and extension provided to me by the Mr.
Charlie is a fake.
I was truly, truly dumbfounded!!! I have read so much about everyday
frauds and yet I still fall to this trap. I thought I was smart enough
to smell things like this but apparently, this new tactic really feeds
on human behavior when they are in a panicky situation. These guys are
really so so smooth that you tend to believe they are trying to solve
the woes that you are in.
I have been a victim and I hope it ends here. Please pass this on to
your loved ones to warn them of such a new tactic and to beware!!!!
Thursday, June 4, 2009
KADAR KOMPAUN BARU SAMAN TRAFIK
KADAR KOMPAUN BARU
SAMAN TRAFIK
Makluman:Kadar kompaun baru saman trafik adalah untuk semua saman
SAMAN TRAFIK
Makluman:Kadar kompaun baru saman trafik adalah untuk semua saman
| BIL | JENIS | KADAR KOMPAUN LAMA | KADAR KOMPAUN BARU | | |
| KESALAHAN | KENDERAAN | | |||
| 1. | KEMALANGAN (TIDAK MELIBATKAN KES NC) | LORI / BAS / 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 300 RM 300 RM 300 | RM 200 RM 150 RM 100 | |
| 2. | PANDU LAJU | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 150 RM 150 RM 150 | RM 90 RM 70 RM 50 | |
| 3. | TIDAK PAKAI TALIPINGGAN KELEDAR | TEKSI VAN 4WD / KERETA | RM 150 RM 80 RM 70 | RM 50 RM 50 RM 50 | |
| 4. | KESALAHAN YANG TIDAK BOLEH DI KOMPAUN | SEMUA KESALAHAN TIDAK BOLEH DIKOMPAUN MENGIKUT KAEDAH-KAEDAH PENGANGKUTAN JALAN (PENGOMPAUN KESALAHAN) 2003 CTH: KEMALANGAN MAUT, MEMANDU DALAM KEADAAN MABUK, PEMANDU DI BAWAH UMUR TANPA LESEN, MEMANDU DENGAN CUAI DAN MERBAHAYA, TIADA PERLINDUNGAN INSURAN, LUMBA HARAM. | NO COMPOUND (NC) | NO COMPOUND (NC) | |
| 5. | TIDAK PAKAI TOPI KELEDAR | MOTOSIKAL | RM 70 | RM 30 | |
| 6. | TIDAK BOLEH BUAT PUSINGAN 'U' | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 200 RM 100 RM 70 | RM 90 RM 70 RM 50 | |
| 7. | POTONG CARA BAHAYA - POTONG 'Q' | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 200 RM 100 RM 70 | RM 90 RM 70 RM 50 | |
| 8. | MENERUSKAN PERJALANAN SEMASA ISYARAT LAMPU MERAH | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 200 RM 200 RM 150 | RM 200 RM 150 RM 100 | |
| 9. | MEMANDU GUNA TELEFON BIMBIT/ALAT KOMUNIKASI | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 200 RM 100 RM 70 | RM 90 RM 70 RM 50 | |
| 10. | TIDAK BERI LALUAN SEBELUM MEMBELOK | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 200 RM 100 RM 70 | RM 90 RM 70 RM 50 | |
| 11. | KESALAHAN LESEN MEMANDU | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 150 RM 80 RM 70 | RM 90 RM 70 RM 30 | |
| 12. | KESALAHAN LESEN KENDERAAN MOTOR (ROAD TAX) | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 150 RM 80 RM 70 | RM 90 RM 70 RM 30 | |
| 13. | MEMANDU DI LORONG KECEMASAN | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 200 RM 100 RM 70 | RM 90 RM 70 RM 50 | |
| 14.. | KES WARAN | LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL | RM 300 RM 300 RM 300 | SEKALI GANDA DARI HARGA TAWARAN TETAPI TIDAK MELEBIHI RM 300 | |
| | | | | | |
| KAUNTER-KAUNTER DI JABATAN PENGANGKUTAN JALAN (JPJ) 1... JPJ JOHOR BAHRU 2. JPJ KUANTAN 3. JPJ KUALA TERENGGANU 4. JPJ IPOH , PERAK 5.. JPJ TAIPING, PERAK 6. JPJ WANGSA MAJU, KUALA LUMPUR
|
Wednesday, May 13, 2009
FW: New Credit Card Scam
Subject: FW: Credit Card Scam latest April 09 |
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