Thursday, December 16, 2010

Penang Under PR

Having read it, forward it to all your contacts and ask them to do likewise, if you want to see the kind of change for the better Penang has undergone in just 2 years for the rest of Malaysia.

Only the rakyat can bring about the change for the better come general election 13.

If you want to see the rot to continue under the present government, delete this message and don't forward this message.

The choice is yours, just like in voting.

But please remember that your vote for change does really matter.

MAKAL SAKTHI.

Sadly such news is never reported in the govt-controlled media, which focuses on the in-fighting within PR parties ...

Wednesday, October 6, 2010
MPSP - from deficit to surplus

Slightly more than two years ago, Majlis Perbandaran Seberang Perai (MPSP) was ailing financially. Remember MPSP having to absorb responsibility for the white elephant called the Batu Kawan stadium built by the previous administration despite protests from local civil activists? Remember the over-priced spanking new MPSP building which cost them RM80 million when the same building could have been built at under RM40 million?

The MPSP was a different creature all together then. Then it was a creation of corrupt politicians (and their appointees) who wielded the reins of power in Penang . But thankfully not anymore since 2008.

Just to give you an idea about MPSP's finances, look at the chart below.

MPSP Surplus/(Deficit)
2000 - (RM5.1 million)
2001 - (RM31.2 million)
2002 - (RM36.7 million)
2003 - (RM39.0 million)
2004 - (RM48.9 million)
2005 - (RM57.1 million)
2006 - (RM5.4 million)
2007 - (RM5.1 million)
2008 - RM3.0 million
2009 - RM14.6 million
2010 - RM54.39 million (as at 4 October 2010)

Now tell me who are the better administrators, where public money is concerned and should be used for the public, and those who regard public money as "loot" to be shared amongst themselves and their cronies?

Imperfect as Pakatan Rakyat may be at the moment, at least they don't steal from us and the public's money is being protected and enhanced by appointed professionals! To the detractors of PR, yes I agree their problems may be unpalatable to many of us who yearn for meaningful change from race politics and self-interests but surely they are the ONLY choice when we only have a rock and a hard place to choose from, given the present electorate's indifference and ignorance.

Dear readers who have been asking me why I have been so silent on this blog about the shenanigans of the ongoing PKR polls and the call for the third force by prominent civil activists; time willing I will address this issue soon, but I foresee that it will require a long posting to truly explain my stand - it is that complicated. Hopefully, I will be able to address this issue soon once I get those nitty-gritty events which sap my free time out of the way first.

Rest assured, this blog will not shy away from difficult issues that needs addressing - personal preferences notwithstanding. Thank you for your patience.

By Romerz


PENANG EXCEEDED RM1 Billion in revenue in 2009 - 1st time in 52years

Convincing proof that voting for change can only bring good to the people.

Must really rid the country of the gutter rats and leeches who have sucked the country dry to the point of being bankrupt through corruption and power abuse.

Do you still want to continue to vote these parasites into power like it has been happening over the last 50 more years?

ENOUGH IS ENOUGH!

PENANG EXCEEDED RM1 Billion in revenue in 2009 - 1st time in 52 years

Congratulations to Penang!
Congratulations to all the People of Penang for voting in a better govt.

While Pahang which Governed by Barisan Nasional for past 52 years is facing bankruptcy.

Penang is praised by Global Anti-Corruption watchdog Transparency International for its anti corruptions efforts.

What makes Malaysia all of a sudden to be ranked on 47 out 180 countries ?
Answer : The Malaysian People made the right choice by denying 2/3 majority enjoyed by Barisan Nasional all this years. It’s a well check and balance by Pakatan on Barisan that led to this 47th position.

If Malaysians wants to enjoy this, then you should know what to do in the next election !!!

Anyway congrats to Pakatan Led by DAP in Penang . In just 18 months CM Lim turned around Penang into corrupt free State . Shame on BN & ex-CM Dr Koh of Gerakan.

As ex-Gerakan President Lim KY had said: "BN/Gerakan has lost Penang forever."

"RM 10 billion in losses from corruption per year is a huge sum and there must be greater commitment from the Federal government towards fighting corruption to ensure that 27 million Malaysians can benefit from this RM 10 billion dividend from successfully combating corruption."

Global anti-corruption watchdog ranks Malaysia 47th least corrupt, praises Penang<http://www.themalaysianinsider.com/index.php/malaysia/38529-global-anti-corruption-watchdog-ranks-malaysia-47th-least-corrupt-praises-penang <https://workforce.petronas.com.my/index.php/malaysia/,DanaInfo=www.themalaysianinsider.com+38529-global-anti-corruption-watchdog-ranks-malaysia-47th-least-corrupt-praises-penang> >

GEORGE TOWN, Sept 24 – Global corruption watchdog, Transparency International (TI), has ranked Malaysia as the 47th least corrupt nation in the world and commended the island state of Penang for its anti-corruption efforts.

Denmark, New Zealand and Sweden was listed by TI as the top three least corrupt countries as measured by the Corruption Perceptions Index (CPI), which ranks countries in terms of the degree to which businessmen and country analysts perceive corruption to exist among public officials and politicians.

Singapore , Finland , Switzerland , Iceland , Netherlands , Australia and Canada rounded off the top least corrupt countries.

Malaysia came in 47th out of 180 countries in the index, tied with Hungary and Jordan .

The CPI is part of TI's Global Corruption Report (GCR) 2009 released yesterday.

In its report on Malaysia, TI highlighted the Malaysian practice of the "revolving door" whereby individuals move from government to business, or business to politics, and back again, and estimated that corruption could cost Malaysia as much as RM10 billion a year.

"Significant government participation in the private sector and considerable business participation in politics means that the movement of gatekeepers to players and players to gatekeepers has a negative influence on the concept of checks and balances," said TI.

"The complexity of the relationships between politics and the public and private sectors means that corruption may take place with impunity. Until drastic action is taken to separate the cozy relationship between government, business and politics, the anti-corruption effort will remain no more than a token gesture," said TI.

Penang chief minister Lim Guan Eng says he is "humbled" by the recognition by TI and added that he was concerned over the fact that that corruption could cost Malaysia as much as RM10 billion a year – an amount equivalent to 1 or 2% of GDP as pointed out by the GCR when it cited the findings of the special government business facilitation task force Pemudah and the World Bank.

Additional report contents that were of concern to Lim was Malaysia's per capita spending of only RM5 on anti-corruption efforts and the fact that only about 10%, or just 7,223 potential corruption cases, of the total 71,558 reported between 2000 and 2006 were investigated by the Anti Corruption Agency, the precursor of the Malaysian Anti-Corruption Commission, with a conviction rate of less than one percent.

"The GCR 2009 concluded that this illustration of the Malaysian government's inaction in the light of the serious corruption allegations, along with its seeming inability to catch the big fish instead focusing on the 'small fry', suggests that what anti-corruption efforts exist are mere tokens," said Lim.

"RM 10 billion in losses from corruption per year is a huge sum and there must be greater commitment from the Federal government towards fighting corruption to ensure that 27 million Malaysians can benefit from this RM 10 billion dividend from successfully combating corruption."

Lim also today announced that the state has managed to cut about RM36 million or 12% of in operating expenditure this year due to its efforts to curb corruption.

"Transparency International' s recognition of anti-corruption efforts by the Penang state government through CAT (Competency Accountability And Transparency) governance is backed up by savings of nearly 12 per cent of the 2008 Penang state budget of RM 36 million from operating expenditure. This RM 36 million savings has allowed the state government to carry out social programs and implement its people-oriented government," said Lim.

TI said that the Penang state is the first Malaysian state government to implement the open tender system for government procurement and contracts.

It also recognized the state government's directive barring administrators and state executive councilors from making any new land applications and efforts to attract professionals to serve on various boards, such as the Penang State Appeals Board.

"On behalf of the Penang state government, we feel humbled by the recognition given by a world renowned body such as Transparency International and would redouble efforts to ensure the anti-corruption reforms are institutionalized and ensure more professionals are appointed to key bodies. Fighting corruption generates savings for the people," said Lim.

He added that the two local authorities in Penang are expected to save another RM34 million over three years from a "transparent" negotiation over the price of solid waste disposal that reduced the rates agreed to by the previous Barisan Nasional administration by a further 42.4 per cent.

Lim said that the savings would go towards the state government's "3E" programme to "enable" the people with skills and knowledge so that they have an equal opportunity to create wealth, "empower" them with fundamental rights and basic freedoms, and "enrich" the people by sharing wealth and economic benefits.

Now it is Penang Boleh - Vote wisely for a better Malaysia.

Wednesday, November 17, 2010

藥瓶中的乾燥劑

和信醫院藥劑科組長姜紹青答覆、黃筱珮採訪
問:網路上有一則消息說:根據美國國家藥典( USP )規定,藥品一旦開罐,罐內所附的棉花和乾燥劑,就必須立刻丟棄,否則它們會因吸附水氣,成為藥罐內的一項污染源!我從未聽聞這項「常識」,還以為乾燥劑可以繼續保持藥品乾燥,請問這個說法是正確的嗎?

答:是的,藥罐內的棉花和乾燥劑,在開罐後就必須立刻丟棄 ! 否則可能吸附水氣,讓水氣留在藥罐內,反而易使藥品潮濕變質,而國人對這個常識相當缺乏。


藥罐未開封前,放置棉花的用意有二,一是避免運送過程的碰撞,讓藥品粉化,二是阻止水氣進入;乾燥劑則是防止若有少量水氣進入藥罐時,可將其吸附。但藥罐一旦開封,這兩個「幫手」反而會變成吸附水氣的「兇手」, ! 最好把它們丟掉,別繼續放在藥罐裡。

藥品怕光照、潮濕、高溫,一旦開封後,最好能夠放在乾燥箱內,是最理想的保存方式。最忌諱放在浴室、廚房等地方,這些潮濕的場所容易使藥品壞得快。有些民眾喜歡把藥品冰在冰箱內,不過,除非是強調需要冷藏的特殊藥品,一般藥品並不建議放冰箱;因一旦拿出來服用,忘了放回去,更容易潮濕。

還要提醒的是,藥品開封後最好盡速服用,不要長期存放。要注意的是,藥罐上標示的保存期限是「未開封」狀態下的期限,一旦開封後,保存期限就會 ! 縮短;因此,吃不完的藥別因為怕浪費而留下來,因為吃了變質藥品不但不會治病,還可能傷身。

常識 !
你注意到了嗎?
根據美國國家藥典( USP ! )規定,藥品一旦開罐,罐內所附的棉花和乾燥劑,就必須立刻??棄否則它們會因吸附水氣,成為藥罐內的一項汙染源!

感謝朋友這項〝常識〞 我以前還以為乾燥劑可以繼續保持藥品乾燥。

Thursday, July 29, 2010

美国妈妈

儿子去美国留学,毕业后定居美国。还给我找了个洋媳妇苏珊。如今,小孙子托比已经3岁了。今年夏天,儿子为我申请了探亲签证。在美国待了三个月,洋媳妇苏珊教育孩子的方法,令我这个中国婆婆大开眼界。

不吃饭就饿着

每天早上,托比醒来后,苏珊把早餐往餐桌上一放,就自顾自地忙去了。托比会自己爬上凳子,喝牛奶,吃面包片。吃饱后,他回自己的房间,在衣柜里找衣服、鞋子,再自己穿上。毕竟托比只有3岁,还搞不清楚子的正反面,分不清鞋子的左右脚。有一次托比又把裤子穿反了,我赶紧上前想帮他换,却被苏珊制止了。她说,如果他觉得不舒服,会自己脱下来,重新穿好;如果他没觉得有什么不舒服,那就随他的便。那一整天,托比反穿着裤子跑来跑去,苏姗像没看见一样。

又一次,托比出去和邻居家的小朋友玩,没多大会就气喘吁吁地跑回家,对苏珊说:“妈妈,露西说我的裤子穿反了,真的吗?”露西是邻居家的小姑娘,今年5岁。苏姗笑着说:“是的,你要不要换回来?”托比点点头,自己脱下裤子,仔细看了看,重新穿上了。从那以后,托比再也没穿反过裤子。

我不禁想起,我的外孙女五六岁时不会用筷子,上小学时不会系鞋带。如今在上寄宿制初中的她,每个周末都要带回家一大堆脏衣服呢。

一天中午,托比闹情绪,不肯吃饭。苏珊说了他几句,愤怒地小托比一把将盘子推到了地上,盘子里的食物洒了一地。苏姗看着托比,认真地说:“看来你确实不想吃饭!记住,从现在到明天早上,你什么都不能吃。”托比点点头,坚定地回答:“Yes!”我在心里暗笑,这母子俩,还都挺倔!

下午,苏珊和我商量,晚上由我做中国菜。我心领神会,托比告别爱吃中国菜,一定是苏珊觉得托比中午没好好吃饭,想让他晚上多吃点儿。

那天晚上我施展厨艺,做了托比最爱吃的糖醋里脊、油闷大虾,还用意大利面做了中国式的凉面。托比最喜欢吃那种凉面,小小的人可以吃满满一大盘。

开始吃晚饭了,托比欢天喜地地爬上凳子。苏珊却走过来,拿走了他的盘子和刀叉,说:“我们已经约好了,今天你不能吃饭,你自己也答应了的。”托比看着面容严肃的妈妈,“哇”地一声在哭起来,边哭边说:“妈妈,我饿,我要吃饭。”“不行,说过的话要算数。”苏珊毫不心软。

我心疼了,想替托比求情,说点好话,却见儿子对我使眼色。想起我刚到美国时,儿子就跟我说,在美国,父母教育孩子时,别人千万不要插手,即使是长辈也不例外。无奈,我只好保持沉默。

那顿饭,从始至终,可怜的小托比一直坐在玩具车里,眼巴巴地看着我们三个大人狼吞虎咽。我这才明白苏珊让我做中餐的真正用意。我相信,下一次,托比想发脾气扔饭碗时,一定会想起自己饿着肚子看爸爸妈妈和奶奶享用美食的经历。饿着肚子的滋味不好受,况且还是面对自己最喜爱的食物。

临睡前,我和苏珊一起去向托比道晚安。托比小心翼翼地问:“妈妈,我很饿,现在我能吃中国面吗?”苏珊微笑着摇摇头,坚决地说:“不!”托比叹了口气,又问:“那等我睡完觉睁开眼睛时,可以吃吗?”“当然可以。”苏珊温柔地回答。托比甜甜地笑了。

大部分情况下,托比吃饭都很积极,他不想因为“罢吃”而错过食物,再受饿肚子的苦。每当看到托比埋头大口大口地吃饭,嘴上脸上粘的都是食物时,我就想起外孙女。她像托比这么大时,为了哄她吃饭,几个大人端着饭碗跟在她屁股后面跑,她还不买账,还要谈条件:吃完这碗买一个玩具,再吃一碗买一个玩具……

以其人之道,还治其人这身

有一天,我们带托比去公园玩。很快,托比就和两个女孩儿玩起了厨房游戏。塑料小锅、小铲子、小盘子、小碗摆了一地。忽然,淘气的托比拿起小锅,使劲在一个女孩儿头上敲了一下,女孩儿愣了一下,放声大哭。另一个女孩儿年纪更小一些,见些情形,也被吓得大哭起来。大概托比没想到会有这么严重的后果,站在一旁,愣住了。

苏珊走上前,开清了事情的来龙去脉后,她一声不吭,拿起小锅,使劲敲到托比的头上,托比没防备,一下子跌坐在草地上,哇哇大哭起来。苏珊问托比:“疼吗?下次还这样吗?”托比一边哭,一边拼命摇头。我相信他以后再也不会这么做了。

托比的舅舅送了他一辆浅蓝色的小自行车,托比非常喜欢,当成宝贝,不许别人碰。邻居小姑娘露西是托比的好朋友,央求托比好几次,要骑他的小车,托比都没答应。

一次,几个孩子一起玩时,露西趁托比不注意,偷偷骑上小车,扬长而去。托比发现后,气愤地跑来向苏珊告状。苏珊正和几个孩子的母亲一起聊天喝咖啡,便微笑着说:“你们的事情自己解决,妈妈可管不了。”托比无奈地走了。

过了一小会儿,露西骑着小车回来了。托比看到露西,一把将她推倒在地,抢过了小车。露西坐在地上大哭起来。苏珊抱起露西,安抚了她一会儿。很快,露西就和别的小朋友兴高采烈地玩了起来。

托比自己骑了会车,觉得有些无聊,看到那几个孩子玩得那么高兴,他想加入,又觉得有些不好意思。他蹭到苏珊身边,嘟囔道:“妈妈,我想跟露西他们一起玩。”苏珊不动声色地说:“那你自己去找他们啦!”“妈妈,你陪我一起去。”托比恳求道。“那可不行,刚才是你把露西弄哭的,现在你又想和大家玩,就得自己去解决问题。”

托比骑着小车慢慢靠近露西,快到她身边时,又掉头回来。来回好几次,不知道从什么时候开始,托比和露西又笑逐颜开,闹成了一团。

管教孩子是父母的事

苏珊的父母住在加利福尼亚州,听说我来了,两人开车来探望我们。家里来了客人,托比很兴奋,跑上跑下地乱窜。他把玩沙子用的小桶装满了水,提着小桶在屋里四处转悠。苏珊警告了她好几次,不要把水洒到地板上,托比置若罔闻。最后,托比还是把水桶弄倒了,水洒了一地。兴奋的小托比不觉得自己做错了事,还得意地光着脚丫踩水玩,把裤子全弄湿了。我连忙找出拖把准备拖地。苏珊从我手中抢过拖把交给托比,对他说:“把地拖干,把湿衣服脱下来,自己洗干净。”托比不愿意,又哭又闹。苏珊二话不说,直接把他拉到贮藏室,关了禁闭。听到托比在里面发出惊天动地的哭喊,我心疼坏了,想进去把他抱出来。托比的外婆却拦住我,说:“这是苏珊的事。”

过了一会儿,托比不哭了,他在贮藏室里大声喊:“妈妈,我错了。”苏珊站在门外,问:“那你知道该怎么做了吗?”“我知道。”苏珊打开门,托比从贮藏室走出来,脸上还挂着两行泪珠。他拿起有他两个高的拖把吃力地把地上的水拖干净。然后,他脱下裤子,拎在手上,光着屁股走进洗手间,稀里哗啦地洗起衣服来。

托比的外公外婆看着表情惊异的我,意味深长地笑了。这件事让我感触颇深。在很多中国家庭,父母管教孩子时,常常会引起“世界大战”,往往是外婆外公护,爷爷奶奶拦,夫妻吵架,鸡飞狗跳。

后来,我和托比的外公外婆聊天时,提到这件事,托比的外公说了一段话,让我印象深刻。他说,孩子是父母的孩子,首先要尊重父母对孩子的教育方式。孩子虽然小,却是天生的外交家,当他看到家庭成员之间出现分歧时,他会很聪明地钻空子。这不仅对改善他的行为毫无益处,反而会导致问题越来越严重,甚至带来更多别的问题。而且,家庭成员之间发生冲突,不和谐的家庭氛围会带给孩子更多的不安全感,对孩子的心理发展产生不利影响。所以,无论是父辈与祖辈在教育孩子的问题上发生分歧,还是夫妻两人的教育观念有差异,都不能在孩子面前发生冲突。

托比的外公外婆在家里住了一周,准备回加利福尼亚了。临走前两天,托比的外公郑重地问女儿:“托比想要一辆玩具挖掘机,我可以买给他吗?”苏珊想了想,说:“你们这次来,已经送给他一双旱冰鞋作为礼物了,到圣诞节时,再买玩具挖掘机当礼物送给他吧!”

我不知道托比的外公是怎么告诉小家伙的,后来我带托比去超市,他指着玩具挖掘机说:“外公说,圣诞节时,给我买这个当礼物。”语气里满是欣喜和期待。

虽然苏珊对托比如此严格,托比去却对妈妈爱得不得了。他在外面玩时,会采集一些好看的小花或者他认为漂亮的叶子,郑重其事地送给妈妈;别人送给他礼物,他会叫妈妈和他一起拆开;有什么好吃的,也总要留一半给妈妈。

想到很多中国孩子对父母的漠视与冷淡,我不得不佩服我的洋媳妇。在我看来,在教育孩子的问题上,美国妈妈有很多值得中国妈妈学习的地方

Monday, May 31, 2010

DRINK WATER ON EMPTY STOMACH

It is popular in Japan today to drink water immediately after waking up every morning. Furthermore, scientific tests have proven its value. We publish below a description of use of water for our readers. For old and serious diseases as well as modern illnesses the water treatment had been found successful by a Japanese medical society as a 100% cure for the following diseases:
Headache, body ache, heart system, arthritis, fast heart beat, epilepsy, excess fatness, bronchitis asthma, TB, meningitis, kidney and urine diseases, vomiting, gastritis, diarrhea, piles, diabetes, constipation, all eye diseases, womb, cancer and menstrual disorders, ear nose and throat diseases.

METHOD OF TREATMENT
1. As you wake up in the morning before brushing teeth, drink 4 x 160ml glasses of water
2. Brush and clean the mouth but do not eat or drink anything for 45 minute
3. After 45 minutes you may eat and drink as normal.
4. After 15 minutes of breakfast, lunch and dinner do not eat or drink anything for 2 hours
5. Those who are old or sick and are unable to drink 4 glasses of water at the beginning may commence by taking little water and gradually increase it to 4 glasses per day.
6. The above method of treatment will cure diseases of the sick and others can enjoy a healthy life.

The following list gives the number of days of treatment required to cure/control/reduce main diseases:
1. High Blood Pressure (30 days)
2. Gastric (10 days)
3. Diabetes (30 days)
4. Constipation (10 days)
5. Cancer (180 days)
6. TB (90 days)
7. Arthritis patients should follow the above treatment only for 3 days in the 1st week, and from 2nd week onwards – daily.

This treatment method has no side effects, however at the commencement of treatment you may have to urinate a few times.
It is better if we continue this and make this procedure as a routine work in our life. Drink Water and Stay healthy and Active.

This makes sense ... The Chinese and Japanese drink hot tea with their meals ...not cold water. Maybe it is time we adopt their drinking habit while eating!!! Nothing to lose, everything to gain...
For those who like to drink cold water, this article is applicable to you.
It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion.

Once this "sludge" reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine.
Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal.


A serious note about heart attacks:
· Women should know that not every heart attack symptom is going to be the left arm hurting,
· Be aware of intense pain in the jaw line.
· You may never have the first chest pain during the course of a heart attack.
· Nausea and intense sweating are also common symptoms.
· 60% of people who have a heart attack while they are asleep do not wake up.
· Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know, the better chance we could survive...


A cardiologist says if everyone who gets this mail sends it to everyone they know, you can be sure that we'll save at least one life.

Wednesday, May 12, 2010

Sore throat? An Amazing Sore Throat Remedy


http://www.throatsore.com/

This simple home remedy has worked 100% of the time for anyone that has tried it. Instead of suffering with a sore throat for a week or more, you can drive it away immediately, sometimes in less than a day. However, this remedy is not medical advice; it is a shared experience that really works! This site is not for profit; it's aim is simply to help people cure their sore throats.

The most common sore throat remedies for sore throat are usually over-the-counter sprays, lozenges and pastilles that are ineffective and smelly. The most common doctor-prescribed remedies are antibiotics, which take time to obtain, cost money and can have many negative side effects.

Most often, people waste time waiting while trying to figure out whether or not they really have a sore throat. By the time they realize they do have a sore throat, it's usually to the point that they are already suffering from serious sore throat pain, can barely speak, swallow or even eat.

This remedy is salt, and not just about gargling saltwater, it is actually about using common table salt as it is.

What you have to do is: tilt your head backwards and shake a little bit of salt straight into the back of your throat. Make sure you shake it straight into your throat, onto the base of your tongue and not over the middle or the tip your tongue (this way you will not suffer from any unpleasant taste). After that, do not swallow your saliva, just let the salt dissolve right there on the back of your throat, letting the salt stay there for as long as you possibly can. If you're using a salt shaker, shake 2 to 6 times depending how bad your sore throat is. If you're using a fast food style paper saltshaker, you should shake about 1/4 of the packet directly into your throat.

Also highly suggested, is to shake an even larger amount of salt into your throat right before you go to sleep for the night. During your sleep, without food or drink, bacteria thrive without any interruption to incubation and growth. Therefore, using salt while you are asleep can be extremely effective. Keep a salt shaker near your bed. If you wake up in the middle of the night feeling sore, you can shake some more salt into your throat.

Salt is a very old remedy that kills bacteria. In the old days they traditionally used salt to preserve meat and fish. Why? Because salt attracts water and attacks the bacteria cell walls, causing the bacteria to dehydrate and self-destruct in the process.

If your sore throat is really severe you can use salt as often as every 30 minutes. Use it as soon as you feel the first symptoms of a sore throat and the earlier you use it, the faster you’ll get rid of that sore throat.

Salt is available nearly everywhere. You can stop in to any fast food place on any street and grab some. Don’t wait around trying to figure out whether or not your sore throat is serious. Instead you can use this quick sore throat cure. As soon as you feel the first signs of a sore throat, use the salt immediately. Gargling salt water is not nearly as effective since the concentration of salt is not high enough to take care of the problem. Also, gargling water requires a cup of water and the time to dissolve the salt in it, yet more inconvenience that makes you wait for relief.

Not all sore throats are the result of a bacteria infection. Sometimes the cause is a virus, commonly known as influenza virus. Many times your sore throat starts as a viral infection which develops into a bacterial infection. Salt is intended to fight only the bacteria, not the virus. Therefore salt might not be totally effective if you are suffering from a viral throat infection. Nevertheless, you really have nothing to lose by using salt. According to experience, salt can be extremely effective in most all cases, depending on the cause of your sore throat.

A sore throat is also often the first stage of a common cold, also known as the Flu. First to arrive is the sore throat, followed by nasal congestion and coughing. If you can take care of it fast, you won't wear down your immune system fighting the sore throat and your immune system has more energy to fight the other cold symptoms. Therefore, using salt could also shorten the total duration of suffering from the common cold.

Everybody suffers from a sore throat every year. If you find this advice to be useful - feel free to share it with your friends - and send them a link to this site.

Tuesday, May 11, 2010

一碗白飯

二十年前某日黃昏有名看似大學生的男孩徘徊在台北街頭的一家自助餐店前。等到吃飯的客人大都離開了,他才面帶羞赧地走進店裡。 「請給我一碗白飯。謝謝!」男孩低著頭說。

店內剛創業的年輕老闆夫妻見他沒選菜一陣納悶,卻也沒多問,立刻就盛了滿滿一碗的白飯遞給他。男孩付錢時不好意思的說了句:「我可以在飯上淋點菜湯嗎?」

老闆娘笑著答:「沒關係!你儘管用,不要錢!」

男孩吃飯吃到一半想到淋菜湯不必錢,又多叫了一碗。「一碗不夠是嗎?我這次給你盛多一點!」老闆很熱絡地回應。

「不是的。我要拿回去裝在便當盒裡明天帶到學校當午餐!」

老闆聽了心想男孩可能來自南部鄉下經濟環境不好的家庭,為了讀書獨自一人北上求學,甚至可能半工半讀,處境的困難可想而知。於是悄悄在餐盒的底先放入店裡招牌的肉燥一大匙,還加了一粒魯蛋,最後才將白飯滿滿覆蓋上去。乍看之下以為就只是白飯而已。老闆娘見狀明白老闆想幫助那男孩,但卻搞不懂為什麼不將肉燥大大方方地加在飯上,卻要藏在飯底?老闆貼著老闆娘的耳說:「男孩若是一眼就見到白飯加料,說不定會認為我們是在施捨他。這不等於直接傷害了他的自尊嗎?這樣他下次一定不好意思再來。如果轉到別家一直只是吃白飯,怎麼有體力讀書呢?」

「你真是好人。幫了人還替對方保留面子!」

「我不好,妳會願意嫁給我嗎?」年輕的老闆夫妻浸淫在助人的快樂裡。

「謝謝。我吃飽了。再見!」男孩起身離開。當男孩拿到沈甸甸的餐盒時不禁回頭望了老闆夫妻一眼。

「要加油喔!明天見!」老闆向男孩揮手致意,話語中透露著請男孩明天再來店裡用餐。男孩眼中泛起淚光,卻也沒讓老闆夫妻看見。從此男孩除了連續假日以外,幾乎每天黃昏都來,同樣在店裡吃一碗白飯,再外帶一碗走。當然,帶走的那一碗白飯底下每天都藏著不一樣的秘密。直到男孩畢業。

往後的二十年裡,這家自助餐店也不曾出現過男孩的身影了。某天將近五十歲的自助餐店老闆夫妻,接到市政府強制拆除違章建築店面的通告。面對中年失業,平日儲蓄又都給了兒子在國外攻讀學位,想到生活無依經濟陷入困境不禁在店裡抱頭痛哭了起來。

就在這時一位身穿名牌西裝像是大公司經理級的人物突然來訪。「你們好,我是某大企業的副總經理。我們總經理命我前來,希望能請你們在我們即將要啟用的辦公大樓裡開自助餐廳。一切的設備與食材均由公司出資準備。你們僅須帶領廚師負責菜餚的烹煮。至於盈利的部份,你們和公司各佔一半!」

「你們公司的總經理是誰?為什麼要對我們這麼好?我們不記得認識這麼高貴的人物!」老闆夫妻一臉疑惑。

「你們夫妻是我們總經理的大恩人兼好朋友,總經理尤其喜歡吃你們店裡的魯蛋和肉燥。我就只知道這麼多。其他的等你們見了面再談吧!」

終於那每次用餐只叫一碗白飯的男孩再度現身了。經過二十年艱辛的創業,男孩成功的建立了自己的事業王國 ,眼前這一切全都得感謝自助餐老闆夫妻的鼓勵與暗助。否則他當初根本無法順利完成學業。話過往事,老闆夫妻打算告辭,總經理起身對他們深深一鞠躬並恭敬地說:「加油喔!公司以後還須要靠你們幫忙。明天見!」
歡喜「施」,感恩「受」,人間處處有溫情。

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
喜歡一個人是一種感覺。
不喜歡一個人卻是事實。
事實容易解釋,感覺卻難以言喻。
記住該記住的,忘記該忘記的。
改變能改變的,接受不能改變的。
失敗者找理由,成功者找方法。

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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。請別忘記我這一份喔!
當我們用心對人時,有心人將以熱情回報您。希望我們都是用心的人,也是有心的人。

Monday, May 10, 2010

患了中風 如何保住老命!

保住老命I【請努力轉寄!】
患了中風,腦部的微血管,會慢慢的破裂,
遇到這種情形,千萬別慌,患者無論在什麼地方 …
《不管是浴室、臥房或客廳。》,
千萬不可搬動他。
因為,如果移動,會加速微血管的破裂。
所以要先原地把患者扶起坐穩以防止再摔倒,
這時才開始【放血】。
家中如有專為注射用的針,當然最好,
如果沒有,就拿縫衣用的銅針,
或是大頭針,用火燒一下消毒!
就在患者的十個手指頭尖兒
《沒有固定穴道,大約距離手指甲一分之處。》 刺上去,
要刺出血來【萬一血不出來,可用手擠。】,
等十個手指頭都流出血來 《每指一滴》,
大約幾分鐘之後,患者就會自然清醒!
如果嘴也歪了,就拉他的耳朵,把耳朵拉紅,
在兩耳的耳垂兒的部位,各刺兩針,也各流兩滴血,
幾分鐘以後,嘴就恢復原狀了。
等患者一切恢復正常感覺沒有異狀時再送醫,
就一定可以轉危為安,否則,若是急著抬上救護車送醫,
經一路的顛跛震動恐怕還沒到醫院,他腦部微血管,
差不多已經都破裂了。
萬一能夠吉人天相,保全老命,
能像孫院長,容得勉強行動,那得要靠祖上的庇蔭了。
放血救命法,是住在新竹的中醫師夏伯挺先生說的。
且是經自己親身實驗,敢說百分之百有效。
大概是民國六十八年我在台中逢甲學院任教,
有天上午,我正在上課,一位老師跑到我的教室上氣不接下氣的說:
『劉老師快來,主任中風了!』。
我立刻跑到三樓,看到陳幅添主任,
氣色不正,語意模糊,嘴也歪了,很明顯的是中風了。
立即請工讀生到校門外的西藥房,買來一支注射用的針頭,
就在陳主任十個手指頭上直刺。
等十個手指尖兒都見血了 《豆粒似的一滴》。
大約幾分鐘以後,陳主任的氣色就變過來了,
兩眼也有神了,只有嘴還歪著,我就拉搓他的耳朵,
使之充血,等把耳朵拉紅,就在左右耳垂之處,
各刺兩針,待兩耳垂都流出兩滴血來,奇蹟就出現了!
大約不到三五分鐘,他的嘴形,恢復正常了,說話也清清楚楚了。
讓他靜坐一陣子,喝了一杯熱茶,才扶他下樓,
開車送到惠華醫院,打一罐點滴,休息了一夜,
第二天;就出院回學校上課了。
一切照常工作,毫無後遺症。
反觀一般腦中風患者,都是送醫院治療時,
經過一路震盪血管急速破裂,以致多數患者一病不起,
所以腦中風,在死因排行榜上高居第二位,
其最幸運者,也僅能保住老命,而落得終身殘廢。
這是一個多麼可怕的病症。
如果大家都能記住這 《放血救命》的方法,
立刻施救,在短短時間它能起死回生,
而且保證百分之百的正常。
這個急救法,希望大家告訴大家。
那腦中風,在死因排行榜上,就可以除名了。

Thursday, April 8, 2010

Free Public DNS Servers

Below is the list of Free Public DNS Servers:

1. Google

8.8.8.8
8.8.4.4
2. ScrubIt

Public dns server address:

67.138.54.100
207.225.209.66
3. dnsadvantage

Dnsadvantage free dns server list:

156.154.70.1
156.154.71.1
4. OpenDNS

OpenDNS free dns server list:

208.67.222.222
208.67.220.220
5. vnsc-pri.sys.gtei.net

Public Name server IP address:

4.2.2.1
4.2.2.2
4.2.2.3
4.2.2.4
4.2.2.5
4.2.2.6

Wednesday, March 17, 2010

Work Life Balance

30 second Speech by Bryan Dyson (CEO of Coca Cola)
**************************************************

" Imagine life as a game in which you are juggling some five balls in the air. You name them - Work, Family, Health, Friends and Spirit and you're keeping all of these in the Air.

You will soon understand that work is a rubber ball. If you drop it, it will bounce back.

But the other four Balls - Family, Health, Friends and Spirit - are made of glass.
If you drop one of these; they will be irrevocably scuffed, marked, nicked, damaged or even shattered. They will never be the same. You must understand that and strive for it."

WORK EFFICIENTLY DURING OFFICE HOURS AND LEAVE ON TIME. GIVE THE REQUIRED TIME TO YOUR FAMILY, FRIENDS & HAVE PROPER REST.

Tuesday, March 16, 2010

先上车,后补票

除了年轻男女,我们的政府高官也喜欢“先上车后补票”的玩意儿。

按照正常智商的行事模式,任何决策在被执行前,必先经过咨询、钻研、商讨以及完善化的步骤,以尽量减低出错的几率及执行的成本。

然而,凡事都有例外。尤其是在国情不同的马来西亚。我们政府大楼冷气房内的决策者,习惯将上述的顺序调转来进行。

或许是想在沉闷的生活里给老百姓制造一些惊喜的涟漪,政府通常会在大家没有心理准备的情况下公布一些石破天惊的政策或决定。更刺激的是,没有人会告诉你执行的详情。事实上,连决策者本身也不太清楚详情。

经典例子,看看早前的大马卡添油配额计划。公告天下之后,却没有人知道该怎么执行。后来官爷们终于睁开双眼发现了技术盲点而悬崖勒马。喊停不是问题;问题是,政府部门一贯地偏偏选在这个节骨眼上展现超越先进国的行政效率,早已花费7000万令吉购入一批大马卡解读器。这批解读器,现在可以送到308大选前选委会以400万令吉购入、后来又临时决定不用的不褪色墨汁一起收藏了。可是,这笔帐该算到谁的头上?

另一种情况,是政府会因为一、两个人的心血来潮而剑及履及,一想到就马上要实行,容不下多一分钟的思考及反馈。2003年推行的英文教数理政策,让我们见识到政府在这方面的魄力。不顾一切反对的声浪及不同的意见,强制推行6年后,才发现原来课程准备不足、师资培训不够、学生应付不来。6年光阴,就这样莫名其妙成为了某人为一刹那的灵感而进行试验的土囊。

还有一种百份百符合本土风味的,是斩钉截铁要实行某项据说惠及全民的政策,敲锣打鼓热烈推销、张灯结彩万事俱备之后,临出闸前却突然紧急刹车!本来打算在本季国会提呈二读、被第二财政部长形容为“有利于国家及全民” 的消费税法案,日前在国会召开前却临时喊停,原因是“政府需要更多时间与人民沟通”。已经提呈到国会一读之后,现在才突然想起要“收集人民的意见”?“准备好了”是他讲的;“还未准备好”也是他讲的,政府独有的思考逻辑与行事顺序,比浮云还难捉摸。

对于垃圾的处理,政府教育我们想好好才丢。对于重大决策,政府的处理方式却比丢垃圾还要随便。

先上车后补票,可是却经常因为补不到票而狼狈地被赶下车,那为什么不买好票才上车?我也不清楚,毕竟我和你一样,是智商正常的一群。

Cancer-fighting properties of papaya cited in tests

MIAMI (AFP) - Researchers said Tuesday that papaya leaf extract and its tea have dramatic cancer fighting properties against a broad range of tumors, backing a belief held in a number of folk traditions.

University of Florida researcher Nam Dang and colleagues in Japan, in a report published in the Journal of Ethnopharmacology, documented papaya's anti-cancer effect against tumors of the cervix, breast, liver, lung, and pancreas.
The researchers used an extract made from dried papaya leaves, and the effects were stronger when cells received larger doses of papaya leaf tea.
Dang and the other scientists showed that papaya leaf extract boosts the production of key signaling molecules called Th1-type cytokines, which help regulate the immune system.

This could lead to therapeutic treatments that use the immune system to fight cancers, they said in the February issue of the journal and released Tuesday by the university.

Papaya has been used as a folk remedy for a variety of ailments in many parts of the world, especially Asia.

Deng said the results are consistent with reports from indigenous populations in Australia and his native Vietnam.

The researchers said papaya extract did not have any toxic effects on normal cells, avoiding a common side effect of many cancer treatments.

Researchers exposed 10 different types of cancer cell cultures to four strengths of papaya leaf extract and measured the effect after 24 hours. Papaya slowed the growth of tumors in all the cultures.

Dang and a colleague have applied to patent the process to distill the papaya extract through the University of Tokyo.

Sunday, March 7, 2010

夢醒時分 The moment when dream is awakend...

鄭丁賢•夢醒時分
2009-12-02 20:49b

你是否和我一樣,發覺身邊的親戚和朋友,似乎少了許多。

I wonder you feel the same as me, all the sudden I realized
friends and relatives around me seems to get less and less.

以往接近過年時,各種聚餐排得滿滿的,而今年,似乎沒聲沒息。

Those years when the New Year drew near, all sorts of gathering
appointments almost completely filled the diaries, but this year
seems so quiet.

即使是平常日子,電話少了,與大家見面也少了。

Even in nromal time, phone calls become less and less, face to
face meet up also become much less.

也許,大家各忙各的;或者,目前流行“宅生活”,儘量避免出門。

Perhaps, everybody is busy with their own tihings, or perhaps,
nowadays people prefer to stay in.

也不盡然如此。再想一想,很多老友和親戚,已經不在了。嗟!大吉利是,他們都還好好的,只是離開了馬來西亞。

However, it is not entirely like this, thinking further, actually old
friends and relatives are not around any more. God bless, they
are still alive and well, they just left the country, Malaysia .

去了中國大陸開工廠;王子不做工程師,移民到澳洲開小食檔;阿風離開本地大學,去香港做講師;青蛙去了台灣,開展事業第二春;還有的到了美國、英國,唔,還有去印尼的……。

They have gone to China to set factory; ah Wang quit his
engineer job and migrated to Australia to set up his little food
store business, ah Fong left the local University went to Hong
Kong as a lecturer. 'Frog' went to Taiwan to pursue his second
career life. Others went to Americia , England , even Indonesia ...

起初,以為這只是個別現象,逐漸的,旁人也有同樣發現;原來,這不是個別現象,而是社會現象;這不是少數,而是相當大的數目。

At first, I thought these are individual cases, but gradually,
people around me realized the same, these are not individual
cases but a general symptoms of our society. they are not small
numbers but the pretty big indeed.

外交部早前披露了一個數字,說明這個現象是多麼真實,多麼貼近。

Department of Foreign Affairs released the figures earlier, it
confirmed the situation is real.

從去年3月到今年9月,已經有30萬大馬人移民他國;其中20萬人是今年1月到8月出走的數目。

From March 2008 thru September 2009, a total of 300,000
Malaysian migrated to other countries, among them 200,000 left
between Jan - Aug 2009. (in 8 months)

積下來,已經有超過200萬大馬人移民,接近今天印尼外勞在大馬的人口。

Cummulatively, there are 2 million Malaysian migrated, this
figure is close to the number of Indonesian workers in Malaysia
today.

不同的是,移居他國的大馬人,多是專業人士、中產階級。

The difference are, those migrated are mostly professional and
middle class people.

他們有很多出走的理由,追求事業發展,為了孩子前途,尋找個人更大空間……,概括一句:對馬來西亞失望。

They have many reasons to leave: pursue career development, for
the future of their children, in search of better life and
environment... In one sentence, they lost hope of Malaysia .

50年前,大家說,馬來西亞真好,好過香港,甚至日本。

50 years ago people said: Malaysia is very good, better than
Hong Kong and even Japan .

30年前,大家說,馬來西亞還不錯,比得上韓國、台灣(不提香港和日本了)。

30 years ago people said: Malaysia is not bad, comparable to S.
Korea and Taiwan . (No mention of Hong Kong and Japan any more).

20年前,大家說,馬來西亞還可以,至少超越中國、泰國(不能和台、韓比了)。

20 years ago people said: Malaysia can do la, at least better
than China and Thailand (Cannot compare with Taiwan and Korea lah)

10年前,大家說,馬來西亞再差,還不至於像越南、印尼(中國已是不同級別)。

10 years ago poeple said: No matter how bad Malaysia is, cannot
be worse than Vietnam and Indonesia ko-ah. ( China is already in
a different category).

今日,越南和印尼的經濟成長率遙遙領先大馬,社會活力和知識發展也勝過一籌;距離愈來愈近了。

Today, the economic growth rate of Vietnam and Indonesia already
far exceeded Malaysia , Social activity and intellectual
development of the country is also better, the gap between us
and them is closing up.

怕甚麼,還有菲律賓和柬埔寨、緬甸。

Why worry? there are still Philipines , Cambodia and Myanmar
behind us.

但是,一位經濟學家最近到菲律賓考察之後,認為再過20年,大馬可以取代菲律賓,出口馬籍女傭到全世界了。

However, according to an economist who recently surveyed
Phillipines, he think in 20 years' time, Malaysia can replace
Phillipines to become the World exporter of Malaysian maids.


半個世紀以來,馬來西亞是在大宅院裡,用封建方式,分配祖宗家業,消耗社會資源,浪費和逼走人才;不談競爭力,忽略生產力,討厭績效制。

Over half the century, Malaysians live in the big old imperial
housing complex, closed up and survive on properties left behind
by the ancestor; continue to consume up social resources,
wasteful, and drive away talents; they never talk about
competitiveness, totally neglect productivity, and hate meritocracy.

亞洲金融風暴來襲時,大馬把門關起來,以為避過一劫,有人還自我陶醉,自以為是天才策略。

When Asia economic storm hit in 1997, Malaysia closed their
doors, thinking we beautifully avoided a disaster, there even
think of themselves as genius, being able to handle the
situation so well.

然而,其它國家面對風暴,走出風暴,進行體質改革,跨步向前,登上另一個水平;大馬卻還在原地踏步。

However, just look at other countries in our neighbourhood, they
stand up, face the storm, and walk out of the storm. They
overhaul the system, improve the processes and march forward,
they moved up to a new level. And Malaysia , still walking on the spot.

馬來西亞,該醒一醒了。

Dear Malaysia , it's time to wake up! We are very very late now!

Sunday, January 24, 2010

FINANCE 101: Subprime Crisis - by Lin Peh, not suitable for those who can not take vulgar word

Subprime Crisis - Explained by Lin Peh Preface: Subprime Loan

In American, just like all the normal human being in the world, when they make any major purchases, they will always ask bank for loan. However, the sorhai american company always like to retrench people and thus the people there the income not very steady one. In Malaysia, when your income not steady you will loan money from AhLoong instead of BANK. But in america, their FBI very power so there is no Ahloong, instead their bank will loan money to all these not steady income people and this type of loan is called Subprime Loan.

Chapter One: How it started

About 10 years ago, all the commercial banks in American were promoting their loan with advertisement like

Since most Ang Mor are only "ada gaya" and "hao-lian" type of people, the bankers came out with special packages for these pokkai fellas. So, Ads like these were flying everywhere:

"No repayment for first 2 years"

"Want to be rich? Buy Property!"

"Money no enough? Borrow from me!"

"Zero down payment"

"Low rate guaranteed"



Wah! These packages are damn fierce wan! It basically tell people don't worry for the about repaying the loan because you may strike lottery before payment is due! In the event you don't strike lottery, you can still sell the house that you bought at higher price and pay everything and keep the gain!

Because of packages like this, many American (especially those who think if Black and become president of USA everything is possible) started to borrow money and buy house as INVESTMENT!

So, the banks business become very good, the accounts all look damn solid and all the bankers got huge bonus! But now.... got one problem... money all loan out but who can guarantee that these sorhais will be able to pay back when time comes?

Chapter Two: Investment Banks Also Want

After collecting his huge bonus, the CEOs of the commercial banks also need to do more creative works or else they will be fired soon. So, he went to see the bigger brother - Investment Bank!

For those of you who don't know, the Investment Bank in US is damn power wan! Their name also damn solid like Morgan Stanley, Lehman brothers, Goldman Sachs. The commercial bank CEOs objective is very simple, they want the Investment Bank to share share and join with them to play the game of Subprime Loan!

Even though the Investment Bank name power, their top management are also same like us eat full nothing to do one. So, they get all those economists, professors, even Nobel prize winners and together go to starbucks drink coffee and blow water.

After many rounds of talking cock, they concluded that these subprime loan is very risky but very exciting and profitable! Something like bank robbery! As a greedy bunch of motherfuckers working for greedy Investment Banks, they decided not to miss this great opportunity so, the Investment Banks are in!

Chapter Three: How The Investment Banks Play

Since Investment Banks are so power and big! They also decided to play it BIG! So, in order for them to raise all the fund to lend it out to those pokkai house owner, they issued something call CDO (Collateralized Debt Obligation). In line with the reputation of Investment Banks, the name CDO also power meaning no one understand! But Lin Peh tell you la, these CDO is actually something like Investment Banks borrow money from the some sorhais but the loan is guaranteed by those pokkai house owner's loan and their fucked up "very expensive" house. So, where to find such sorhai?

Chapter Four: Hedge Fund is the Real Sorhai?

In order to find the sorhais who are willing to put out such big sum of money for this type loan, the Investment Bankers did a lot of road show and even engage professionals to make their powerpoint presentation look solid.

After that, they invited groups and groups of sorhais to come listen to them talk cock, drink wine and see their powerpoint. When the powerpoint presentation said that the average return on CDO is approximately 12%, the saliva of the Hedge Fund managers started to drool, so they decided to put their money in and play the game also!

Before you jump into the conclusion that hedge fund are the sorhai, let's look at how the hedge fund got so much money....

The basic job function of hedge fund managers are killing each other at wall street without seeing any blood! They are the one who go around the world, screw peoples currency, stock markets, commodities so the CDO is only a small case la!

The hedge fund managers went around the world and look for low interest loan. For example, Japan interest rate has been very low since the day Karaoke machinese was invented. So, the hedge fund went to Japan and borrow at 1.5% which means, they just have to sign a few signatures, get the money from Japanese and then give to the investment banks and they can sit home masturbate and enjoy a net return of 10% without doing anything. With deal like that, the more they borrow, the more their return la! Do you still call them sorhai?

Chapter Five: Now, Everyone Can Be Rich!?

So, all the deals are now in place and the cash started to flow!

Strange thing does happen when you have such a huge system running - from the year 2001 to 2006, the real estate market in US was at a super boom ! Everyone was buying houses and make a lot of money! So, they were right about becoming a real estate tycoon without having to come out with a single cent ! So, from house owners to banks to investment banks to hedge fund all making money! Damn solid!

However, the investment bankers were not too happy when they see the hedge fund was making so much money from the CDO without having to do any donkey work. So, they got jealous and they themselves also invest in CDO! It is something like Ahloong themselves go borrow from another Ah Loong!

When that happened, the hedge fund managers see that the CDO was in such hot demand, they also became greedy and they pledge the CDO to banks so they can borrow more money to invest in more CDO and everyone just become richer and richer!

Chapter Six: Let's Insured Everything!

When the Investment Bankers see that the CDOs merry-go-round becoming so big round just like the Eye On Malaysia like that, they also got panic already. So, to play safe, they call the insurance company and tell the insurance company that they want to buy insurance for their CDOs!

Even though the insurance companies are generally greedy motherfuckers, they also not sorhai one. They study the track record of the CDOs and they charge the Investment Banks a heavy premium for it and give this type of policy an even more power name called Credit Default Swap (CDS)!

Since the hosuing market was ok, and everyone was still enjoying huge profit, the Insurance Companies too made very good money from these CDS in the last few years because they just sit there and collect premium without paying out anything!

That's WIN WIN SITUATION - just like what your teacher taught you in school!

Chapter Seven: Not The End Of Story

As usual, eveything that can generate income, people on the the wall street will create a unit trust fund for it. So, over the last few years, Many Unit Trust Fund that invest in CDS were created. However, in order to generate good sales for these Trust, these unit trusts must get good rating from the rating agency.

So, the people on wall street used their creativity to 100% and came out with a brand new idea - Assuming the companies already made $80 Billion in the CDS over the years, they will allocate a portion of it lets say $10 Billion to secured the Unit Trust Fund. Using the $10 Billion as 10% securities, the Fund will sell to the public $100 Billion of the Unit Trust.

That means, if the Fund lost money, the first 10% ($10 Billion) of the loses will be covered by the Insurance. But when it makes money, everything belongs to you! Good Deal or not? Therefore, the rating agency also give the fund AAA (highest) rating ! Since the deal is so good and with AAA rating somemore, everyone also bought! Old man bought! Young man bought! Pension fund bought! Education fund Bought! It was such good business, the Unit Trust decided to issue more Units to be sold! However, the problem is they never increase the $100 Billion securities! which also means the "reserve" for the losses has decrease from its original 10% to god knows what.

Chapter Eight: No Light At The End Of Tunnel

Just like Old chinese proverb said "Everything You Ate You Have To Vomit Out". The good time came to a stop by end of the year 2006 when the housing prices started to come down, people who bought houses found out there are no more buyers for the houses so they just defaulted on the loan and said F@*K IT !

The Bank try to lelong out those houses but could not find buyer. Citibank, Bank of America all reported huge loses. So, the bank all said F@&K IT!

Since Investment Banks has even bigger stake than the commercial banks in these loans, Morgan Stanley, Lehman Brothers all reported even bigger losses. So, the Investment Banks also said F#$K IT!

When the Hedge Fund saw all the other fellas all f@#%*d, they also cannot escape and Hedge Fund Stake is even bigger! So, Hedge Fund said F@%K IT!

And of course, all the AAA rating Unit Trusts F#@$&D!

Now, Pension Fund F@#*%D! Education Fund F@#*%D! The share market F@#*%D! USA F@#*%D! Europe F@#*%D! Japan F@#*%D! Australia F@#*%D! The Whole World F@#*%D! Bush F@#*%D! McCain F@#*%D! Obama F@#*%D!