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!
Sunday, January 24, 2010
Tuesday, December 29, 2009
Another Unknown Side for Onion Usage
目前甲流在世界各地肆虐，美國已經宣佈進入緊急狀態，加拿大在全國免費注射疫苗，中國也有5萬多人感染了病毒。上周我有兩個午餐會不得不取消，本周也是難以確定好幾個午餐會是否要舉行，因為很多人生病（不一定是甲流）。這次的流感的確給人們的生活帶來很多麻煩和困擾。一個加拿大朋友把下面這封郵件發給我和一些朋友。我把它翻譯出來送給大家，希望對你有所幫助，希望大家健康平安不要生病。其中的一些東西與中醫和華人飲食有關聯。
In 1919. When the flu killed 40 million people, there was this doctor that visited the many farmers to see if he could help them combat the flu. Many of the farmers and their family had contracted it, and many died.
1919年。當流感造成了四千萬人死亡時，有一位醫生到各地農場去探視，看是否可以幫助人們戰勝流感。很多農民和他們家庭感染了流感，很多人因此而死亡。
The doctor came upon this one farmer, and to his surprise, everyone was very healthy.
這位醫生來到一家人家。出乎預料，這家的每一個人都非常健康。
When the doctor asked what the farmer was doing that was different, the wife replied that she had placed an unpeeled onion in a dish in the rooms of the home (probably only two rooms back then).
醫生詢問這家的做法與其他人家有何不同，這家的妻子說她在家裏的每一個房間（那時大概也就是兩間吧）裏放置了一顆沒有剝皮的洋蔥。
The doctor couldn't believe it, and asked if he could have one of the onions, and place it under the microscope.
醫生無法置信，因此就問是否可以要一顆洋蔥以便放在顯微鏡下觀察觀察。
She gave him one, and when he did this, he did find the flu virus in the onion.
她給了他一顆。醫生觀察時真的在洋蔥上發現了流感病菌。
It obviously absorbed the bacteria, therefore keeping the family healthy. 顯然，洋蔥吸收了病菌，因此讓這家人保持健康。Now, I heard this story from my hairdresser in Arizona.
如今，我從亞利桑那州我的理髮師那裏聽到類似的故事。
She said that several years ago, many of her employees were coming down with the flu, and so were many of her customers.
她說幾年前她的很多雇員感染流感，她的很多顧客也是如此。
The next year, she placed several bowls with onions around in her shop. To her surprise, none of her staff got sick. It must work . . .
次年，她在她的理髮店裏放了幾個果盤，裏面放了一些洋蔥。令她吃驚的是，她的員工沒有一個生病的。看來洋蔥真的起作用…
(And no, she is not in the onion business.)
（真的，她並不做洋蔥的生意。）The moral of the story is, buy some onions and place them in bowls around your home.
故事的核心是，買一些洋蔥吧，把它們擺放在你的家裏的果盤裏。
If you work at a desk, place one or two in your office, or under your desk, or even on top somewhere.
如果你是坐辦公室的，在你的辦公室裏，或者辦公桌下面，或者在櫃子頂部放置幾顆洋蔥吧。
Try it and see what happens.
試試看效果怎麼樣。We did it last year, and we never got the flu.
我們去年做了，沒有人得流感。If this helps you and your loved ones from getting sick, all the better.
如果這樣做可以幫助你和你所愛的人不感冒，那就太好了。
If you do get the flu, it just might be a mild case.
如果你仍然得了感冒，也許會是比較輕微的症狀。Whatever, what have you to lose?
不管結果如何，你又會有什麼損失呢？
Just a few bucks on onions!
除了幾顆洋蔥之外！
Now there is a P. S. to this for I sent it to a friend in Oregon who regularly contributes material to me on health issues.
下面是後續。我把這個送給我在奧爾良的朋友，她經常給我一些健康方面的建議。
She replied with this most interesting experience about onions:
她回復說了關於洋蔥的最有趣的實驗：I don't know about the farmer’s story, but I do know that I contracted pneumonia, and needless to say I was very ill.
我不知道那個農民的故事，但是我知道我得了肺炎。無需說，我病的不輕。
I came across an article that said to cut both ends off an onion, put one end on a fork, and then place the forked end into an empty jar, placing the jar next to the sick patient at night.
我讀到一篇文章，建議把洋蔥的兩頭切掉，插在叉子上，然後把叉子放在花瓶裏，晚上放在病人身旁。
It said the onion would be black in the morning from the germs.
據說，洋蔥會因為病菌而在次日清晨變黑。
Sure enough, it happened just like that.
果然，事情跟說的完全一樣。
The onion was a mess, and I began to feel better.
洋蔥看起來糟透了，但我卻開始好起來。Another thing I read in the article was that onions and garlic placed around the room saved many from the black plague years ago.
那篇文章還談到放在屋子裏的洋蔥和大蒜在多年前的黑死病中救了很多人的命。
They have powerful antibacterial, antiseptic properties.
In 1919. When the flu killed 40 million people, there was this doctor that visited the many farmers to see if he could help them combat the flu. Many of the farmers and their family had contracted it, and many died.
1919年。當流感造成了四千萬人死亡時，有一位醫生到各地農場去探視，看是否可以幫助人們戰勝流感。很多農民和他們家庭感染了流感，很多人因此而死亡。
The doctor came upon this one farmer, and to his surprise, everyone was very healthy.
這位醫生來到一家人家。出乎預料，這家的每一個人都非常健康。
When the doctor asked what the farmer was doing that was different, the wife replied that she had placed an unpeeled onion in a dish in the rooms of the home (probably only two rooms back then).
醫生詢問這家的做法與其他人家有何不同，這家的妻子說她在家裏的每一個房間（那時大概也就是兩間吧）裏放置了一顆沒有剝皮的洋蔥。
The doctor couldn't believe it, and asked if he could have one of the onions, and place it under the microscope.
醫生無法置信，因此就問是否可以要一顆洋蔥以便放在顯微鏡下觀察觀察。
She gave him one, and when he did this, he did find the flu virus in the onion.
她給了他一顆。醫生觀察時真的在洋蔥上發現了流感病菌。
It obviously absorbed the bacteria, therefore keeping the family healthy. 顯然，洋蔥吸收了病菌，因此讓這家人保持健康。Now, I heard this story from my hairdresser in Arizona.
如今，我從亞利桑那州我的理髮師那裏聽到類似的故事。
She said that several years ago, many of her employees were coming down with the flu, and so were many of her customers.
她說幾年前她的很多雇員感染流感，她的很多顧客也是如此。
The next year, she placed several bowls with onions around in her shop. To her surprise, none of her staff got sick. It must work . . .
次年，她在她的理髮店裏放了幾個果盤，裏面放了一些洋蔥。令她吃驚的是，她的員工沒有一個生病的。看來洋蔥真的起作用…
(And no, she is not in the onion business.)
（真的，她並不做洋蔥的生意。）The moral of the story is, buy some onions and place them in bowls around your home.
故事的核心是，買一些洋蔥吧，把它們擺放在你的家裏的果盤裏。
If you work at a desk, place one or two in your office, or under your desk, or even on top somewhere.
如果你是坐辦公室的，在你的辦公室裏，或者辦公桌下面，或者在櫃子頂部放置幾顆洋蔥吧。
Try it and see what happens.
試試看效果怎麼樣。We did it last year, and we never got the flu.
我們去年做了，沒有人得流感。If this helps you and your loved ones from getting sick, all the better.
如果這樣做可以幫助你和你所愛的人不感冒，那就太好了。
If you do get the flu, it just might be a mild case.
如果你仍然得了感冒，也許會是比較輕微的症狀。Whatever, what have you to lose?
不管結果如何，你又會有什麼損失呢？
Just a few bucks on onions!
除了幾顆洋蔥之外！
Now there is a P. S. to this for I sent it to a friend in Oregon who regularly contributes material to me on health issues.
下面是後續。我把這個送給我在奧爾良的朋友，她經常給我一些健康方面的建議。
She replied with this most interesting experience about onions:
她回復說了關於洋蔥的最有趣的實驗：I don't know about the farmer’s story, but I do know that I contracted pneumonia, and needless to say I was very ill.
我不知道那個農民的故事，但是我知道我得了肺炎。無需說，我病的不輕。
I came across an article that said to cut both ends off an onion, put one end on a fork, and then place the forked end into an empty jar, placing the jar next to the sick patient at night.
我讀到一篇文章，建議把洋蔥的兩頭切掉，插在叉子上，然後把叉子放在花瓶裏，晚上放在病人身旁。
It said the onion would be black in the morning from the germs.
據說，洋蔥會因為病菌而在次日清晨變黑。
Sure enough, it happened just like that.
果然，事情跟說的完全一樣。
The onion was a mess, and I began to feel better.
洋蔥看起來糟透了，但我卻開始好起來。Another thing I read in the article was that onions and garlic placed around the room saved many from the black plague years ago.
那篇文章還談到放在屋子裏的洋蔥和大蒜在多年前的黑死病中救了很多人的命。
They have powerful antibacterial, antiseptic properties.
Wednesday, December 2, 2009
離婚酒店
他和她結婚整整10年了，夫妻間已經沒有任何衝動與情趣，
他越來越覺得自己對她幾乎就是一種程式與義務，
他開始厭煩起了她，尤其是單位新調進了一個年輕活潑的女孩，
對他發起了瘋狂的進攻，他突然覺得她是自己的第二春，經過再三考慮，
他決定和她離婚。她似乎也麻木了，很平靜地答應了他，
兩個人一起走進了民政部門。 ¬
手續辦得很順利，出門後，兩個人已經是各自獨立的自由人了，
不知為什麼，他心裏突然有種空落落的感覺，他看了看她：
“天已經晚了，一起去吃點飯吧。”
她看了看他：“好吧，聽說新開了一家‘離婚酒店’，
專門執行離婚夫婦的最後一頓晚餐，要不咱們到那兒去看看。” ¬
他點了點頭，兩人一前一後默默地走進了離婚酒店。 ¬
“先生女士晚上好。”二人在包廂剛坐下，服務小姐便走了進來，
“請問兩位想吃點兒什麼？” ¬
他看了看她：“你點吧。” ¬
她搖了搖頭：“我不常出來，不太清楚這些，還是你點吧。” ¬
“對不起先生女士，我們離婚酒店有個規矩，這頓飯必
須要由 女士點先生平時最愛吃的菜，由先生點女士平時最愛吃的菜，
這叫‘最後的記憶’。” ¬
“那好吧，”她理了理頭髮，“清蒸魚、溜蘑菇、拌木耳，
記住，都不要放蔥薑蒜，我先生……這位先生他不吃這些。” ¬
“先生呢？”服務小姐看了看他。
他愣住了。結婚10年，他真的不知道老婆喜歡吃什麼。他張著嘴，
尷尬地愣在了那兒。
“就這些吧，其實這是我們兩個人都愛吃的。”她連忙打起了圓場。 ¬
服務小姐笑了笑：“說實話，到我們離婚酒店來吃這最後一頓晚餐，
所有的先生和女士其實都吃不下去什麼，所以這‘最後的記憶’
咱們還是不要吃了吧。就喝我們酒店特意為所有離婚人士準備的
晚餐——冷飲吧，這也是所有來的人都不拒絕的選擇。”
她與她都點了點頭：“那就來冷飲吧。” ¬
很快，服務小姐送來了兩份冷飲，兩份飲料中一份淡藍一片，
全是冰渣；一份滿杯紅潤，冒著熱氣。 ¬
“這份晚餐名叫‘一半是火焰，一半是海水’，兩位慢用。”
服務小姐介紹完退了下去。 ¬
包房裏靜悄悄的，兩個人相對而坐，一時竟不知道該說什麼好。 ¬
“篤篤篤！”輕輕一陣敲門聲，服務小姐走了近來，托盤裏托著
一枝鮮豔的紅玫瑰：“先生，還記得您第一次給這位女士送花的情景嗎？
現在一切都結束了，夫妻不成就當朋友，朋友要好聚好散，
最後為女士送朵玫瑰吧。” ¬
她渾身一抖，眼前又浮現出了10年前他給她送花的情景，那時，
他們剛剛來到這座舉目無親的省城，什麼都沒有，一切從零開始。
白天，他們四處找工作，
努力拼搏；晚上， 為了增加收入，她去晚市出小攤，他去給人家刷盤子。很晚很晚，
他們才一起回到租住在地下室裏那不足10平米的小屋。日子很苦，可他們卻很幸福。
到省城的第一個情人節
那天，他為自己買了第一朵紅玫瑰，她幸福得流下了眼淚。
10年了，一切都好起來了，可兩個人卻走向了分離。她想著想著，淚水盈滿了雙眼，
她擺了擺手說：“不用了。” ¬
他也想起了過去的10年，他這才記起，自己已經有五六年沒有給
她買過一枝玫瑰了。他擺了擺手：“不，要買。” ¬
服務小姐卻拿起了玫瑰，“刷刷”兩下撕成了兩半，分別扔進了
兩個人的飲料杯裏，玫瑰竟然溶解在了飲料裏。 ¬
“這是我們酒店特意用糯米製成的紅玫瑰，也是送給你們的第三道菜，
名叫‘映景的美麗’。先生女士慢用，有什麼需要直接叫我。”
服務小姐說完，轉身走了出去。 ¬
“XX，我……”他一把握住她的手，有些說不出話來。 ¬
她抽了抽手，沒有抽動，便不再動彈。兩個人靜靜地對視著，什麼也說不出來。
“啪！”突然，燈熄了，整個包房裏漆黑一片，外面警鈴大作，
一股煙味兒飄了進來。 ¬
“怎麼了？”兩個人急忙站了起來。 ¬
“店起火了，大家馬上從安全通道走！快！”外面，有人聲嘶力竭地喊了起來。
“老公！”她一下撲進了他的懷裏，“我怕！” ¬
“別怕！”他緊緊摟住她，“親愛的，有我呢。走，往外衝！” ¬
包廂外面燈光通明，秩序井然，什麼都沒有發生。 ¬
服務小姐走了過來：“對不起，先生女士，讓兩位受驚了。
酒店並沒有失火，煙味兒也是特意往包房裏放的一點點，
這是我們的第四道菜，名叫‘內心的選擇’。請回包廂。” ¬
他和她回到了包廂，燈光依舊。他一把拉她：“親愛的，
服務小姐說得對，剛才那才是你我內心真正的選擇。其實，
我們誰都離不開誰，明天咱們重新結婚吧？”
她咬了咬嘴唇：“你願意嗎？” ¬
“我願意，我現在什麼都明白了，明天一早咱就去辦結婚。
小姐，買單。”他說著喊了起來 。 ¬
服務小姐走了近來，遞給兩人一人一張精緻的紅色清單：
“先生女士好，這是兩位的帳單，也是本酒店的最後一道贈品，
名叫‘永遠的帳單’，請兩位永遠保存吧。"
¬
他看著帳單，眼淚淌了下來。 ¬
“你怎麼了？”她連忙問道。 ¬
他把帳單遞給了她：“親愛的，我錯了，我對不起你。” ¬
她打開帳單一看，只見上面寫著：
一個溫暖的家；
兩隻操勞的手；
三更不熄等您歸家的燈；
四季注意身體的叮囑；
無微不至的關懷；
六旬婆母的微笑；
起早貪黑對孩子的照顧；
八方維護您的威信；
九下廚房為了您愛吃的一道菜；
十年為您逝去的青春……
這就是您的妻子。 ¬
“老公，您辛苦了，這些年也是我冷漠了你。”
她也把自己的那份帳單遞給了他。他打開帳單，只見上面寫著：
一個男人的責任；
兩肩挑起的重擔；
三更半夜的勞累；
四處奔波的匆忙；
無法傾訴的委屈；
留在臉上的滄桑；
七姑八姨的義務；
八上八下的波折；
九優一疵的凡人；
時時對家對子的真情……
這就是您的丈夫。 ¬
兩個人抱在一起，放聲痛哭。 ¬
結完帳，他和她對經理千恩萬謝，手牽手走回了家。
看者他們幸福的背影，經理微笑著點了點頭：
“真幸福，我們離婚酒店又挽救了一個家！
他越來越覺得自己對她幾乎就是一種程式與義務，
他開始厭煩起了她，尤其是單位新調進了一個年輕活潑的女孩，
對他發起了瘋狂的進攻，他突然覺得她是自己的第二春，經過再三考慮，
他決定和她離婚。她似乎也麻木了，很平靜地答應了他，
兩個人一起走進了民政部門。 ¬
手續辦得很順利，出門後，兩個人已經是各自獨立的自由人了，
不知為什麼，他心裏突然有種空落落的感覺，他看了看她：
“天已經晚了，一起去吃點飯吧。”
她看了看他：“好吧，聽說新開了一家‘離婚酒店’，
專門執行離婚夫婦的最後一頓晚餐，要不咱們到那兒去看看。” ¬
他點了點頭，兩人一前一後默默地走進了離婚酒店。 ¬
“先生女士晚上好。”二人在包廂剛坐下，服務小姐便走了進來，
“請問兩位想吃點兒什麼？” ¬
他看了看她：“你點吧。” ¬
她搖了搖頭：“我不常出來，不太清楚這些，還是你點吧。” ¬
“對不起先生女士，我們離婚酒店有個規矩，這頓飯必
須要由 女士點先生平時最愛吃的菜，由先生點女士平時最愛吃的菜，
這叫‘最後的記憶’。” ¬
“那好吧，”她理了理頭髮，“清蒸魚、溜蘑菇、拌木耳，
記住，都不要放蔥薑蒜，我先生……這位先生他不吃這些。” ¬
“先生呢？”服務小姐看了看他。
他愣住了。結婚10年，他真的不知道老婆喜歡吃什麼。他張著嘴，
尷尬地愣在了那兒。
“就這些吧，其實這是我們兩個人都愛吃的。”她連忙打起了圓場。 ¬
服務小姐笑了笑：“說實話，到我們離婚酒店來吃這最後一頓晚餐，
所有的先生和女士其實都吃不下去什麼，所以這‘最後的記憶’
咱們還是不要吃了吧。就喝我們酒店特意為所有離婚人士準備的
晚餐——冷飲吧，這也是所有來的人都不拒絕的選擇。”
她與她都點了點頭：“那就來冷飲吧。” ¬
很快，服務小姐送來了兩份冷飲，兩份飲料中一份淡藍一片，
全是冰渣；一份滿杯紅潤，冒著熱氣。 ¬
“這份晚餐名叫‘一半是火焰，一半是海水’，兩位慢用。”
服務小姐介紹完退了下去。 ¬
包房裏靜悄悄的，兩個人相對而坐，一時竟不知道該說什麼好。 ¬
“篤篤篤！”輕輕一陣敲門聲，服務小姐走了近來，托盤裏托著
一枝鮮豔的紅玫瑰：“先生，還記得您第一次給這位女士送花的情景嗎？
現在一切都結束了，夫妻不成就當朋友，朋友要好聚好散，
最後為女士送朵玫瑰吧。” ¬
她渾身一抖，眼前又浮現出了10年前他給她送花的情景，那時，
他們剛剛來到這座舉目無親的省城，什麼都沒有，一切從零開始。
白天，他們四處找工作，
努力拼搏；晚上， 為了增加收入，她去晚市出小攤，他去給人家刷盤子。很晚很晚，
他們才一起回到租住在地下室裏那不足10平米的小屋。日子很苦，可他們卻很幸福。
到省城的第一個情人節
那天，他為自己買了第一朵紅玫瑰，她幸福得流下了眼淚。
10年了，一切都好起來了，可兩個人卻走向了分離。她想著想著，淚水盈滿了雙眼，
她擺了擺手說：“不用了。” ¬
他也想起了過去的10年，他這才記起，自己已經有五六年沒有給
她買過一枝玫瑰了。他擺了擺手：“不，要買。” ¬
服務小姐卻拿起了玫瑰，“刷刷”兩下撕成了兩半，分別扔進了
兩個人的飲料杯裏，玫瑰竟然溶解在了飲料裏。 ¬
“這是我們酒店特意用糯米製成的紅玫瑰，也是送給你們的第三道菜，
名叫‘映景的美麗’。先生女士慢用，有什麼需要直接叫我。”
服務小姐說完，轉身走了出去。 ¬
“XX，我……”他一把握住她的手，有些說不出話來。 ¬
她抽了抽手，沒有抽動，便不再動彈。兩個人靜靜地對視著，什麼也說不出來。
“啪！”突然，燈熄了，整個包房裏漆黑一片，外面警鈴大作，
一股煙味兒飄了進來。 ¬
“怎麼了？”兩個人急忙站了起來。 ¬
“店起火了，大家馬上從安全通道走！快！”外面，有人聲嘶力竭地喊了起來。
“老公！”她一下撲進了他的懷裏，“我怕！” ¬
“別怕！”他緊緊摟住她，“親愛的，有我呢。走，往外衝！” ¬
包廂外面燈光通明，秩序井然，什麼都沒有發生。 ¬
服務小姐走了過來：“對不起，先生女士，讓兩位受驚了。
酒店並沒有失火，煙味兒也是特意往包房裏放的一點點，
這是我們的第四道菜，名叫‘內心的選擇’。請回包廂。” ¬
他和她回到了包廂，燈光依舊。他一把拉她：“親愛的，
服務小姐說得對，剛才那才是你我內心真正的選擇。其實，
我們誰都離不開誰，明天咱們重新結婚吧？”
她咬了咬嘴唇：“你願意嗎？” ¬
“我願意，我現在什麼都明白了，明天一早咱就去辦結婚。
小姐，買單。”他說著喊了起來 。 ¬
服務小姐走了近來，遞給兩人一人一張精緻的紅色清單：
“先生女士好，這是兩位的帳單，也是本酒店的最後一道贈品，
名叫‘永遠的帳單’，請兩位永遠保存吧。"
¬
他看著帳單，眼淚淌了下來。 ¬
“你怎麼了？”她連忙問道。 ¬
他把帳單遞給了她：“親愛的，我錯了，我對不起你。” ¬
她打開帳單一看，只見上面寫著：
一個溫暖的家；
兩隻操勞的手；
三更不熄等您歸家的燈；
四季注意身體的叮囑；
無微不至的關懷；
六旬婆母的微笑；
起早貪黑對孩子的照顧；
八方維護您的威信；
九下廚房為了您愛吃的一道菜；
十年為您逝去的青春……
這就是您的妻子。 ¬
“老公，您辛苦了，這些年也是我冷漠了你。”
她也把自己的那份帳單遞給了他。他打開帳單，只見上面寫著：
一個男人的責任；
兩肩挑起的重擔；
三更半夜的勞累；
四處奔波的匆忙；
無法傾訴的委屈；
留在臉上的滄桑；
七姑八姨的義務；
八上八下的波折；
九優一疵的凡人；
時時對家對子的真情……
這就是您的丈夫。 ¬
兩個人抱在一起，放聲痛哭。 ¬
結完帳，他和她對經理千恩萬謝，手牽手走回了家。
看者他們幸福的背影，經理微笑著點了點頭：
“真幸福，我們離婚酒店又挽救了一個家！
Sunday, October 4, 2009
不殺生又能驅趕 螞蟻, 蚊子, 蟑螂的妙法
螞蟻怕酸，蚊子怕辣，蟑螂怕香
春天來了小生命們馬上就要出洞了，供養給大家一個不殺生又能驅趕螞蟻、蚊子、蟑螂的妙法
螞蟻怕酸味
**********
家裡的甜食擺沒幾分鐘，螞蟻大軍立即來襲，讓人又氣又厭。
在這裡獻給各位一項無毒無污染又安全有效的妙招：新鮮檸檬對切成兩半，在看到螞蟻的地方及其動線，擠出檸檬汁，並拿著切半有果肉的那一面，沿途塗抹，
神奇效果讓您再一次驗證大自然的奧妙！
蚊子怕辣
********
味蒜頭嗆退，植於花壇四周，其特殊的辛辣味隱隱飄散。
驅蚊除了打掃環境、清除枯枝爛葉，試植蒜頭絕對是上上之策！
蟑螂怕香
********
味神出鬼沒的蟑螂，最愛隱身於掌管我們民生大計的廚房裡。
面對「打不死的蟑螂」，辦法是將浴用香皂切成小塊，置於容器內注入清水，擺放在蟑螂出沒的櫥櫃內，
不出數日，打開櫥櫃將令您訝異於蟑螂的無影無蹤，櫥櫃內還多了怡人的香味。
想要效果持續，僅須定期補充香皂容器內的清水。
*******************************************************************
不用打殺蚊子的辦法
一：把幾粒維生素C和維生素B2泡在水裡，將藥水塗抹在皮膚上，會產生一種讓蚊子不敢接近的氣味。
二：室內掛上橘色的窗簾，或燈罩上罩上橘色的玻璃紙，由於蚊子害怕橘紅色的光線，能產生很好的驅蚊效果。
春天來了小生命們馬上就要出洞了，供養給大家一個不殺生又能驅趕螞蟻、蚊子、蟑螂的妙法
螞蟻怕酸味
**********
家裡的甜食擺沒幾分鐘，螞蟻大軍立即來襲，讓人又氣又厭。
在這裡獻給各位一項無毒無污染又安全有效的妙招：新鮮檸檬對切成兩半，在看到螞蟻的地方及其動線，擠出檸檬汁，並拿著切半有果肉的那一面，沿途塗抹，
神奇效果讓您再一次驗證大自然的奧妙！
蚊子怕辣
********
味蒜頭嗆退，植於花壇四周，其特殊的辛辣味隱隱飄散。
驅蚊除了打掃環境、清除枯枝爛葉，試植蒜頭絕對是上上之策！
蟑螂怕香
********
味神出鬼沒的蟑螂，最愛隱身於掌管我們民生大計的廚房裡。
面對「打不死的蟑螂」，辦法是將浴用香皂切成小塊，置於容器內注入清水，擺放在蟑螂出沒的櫥櫃內，
不出數日，打開櫥櫃將令您訝異於蟑螂的無影無蹤，櫥櫃內還多了怡人的香味。
想要效果持續，僅須定期補充香皂容器內的清水。
*******************************************************************
不用打殺蚊子的辦法
一：把幾粒維生素C和維生素B2泡在水裡，將藥水塗抹在皮膚上，會產生一種讓蚊子不敢接近的氣味。
二：室內掛上橘色的窗簾，或燈罩上罩上橘色的玻璃紙，由於蚊子害怕橘紅色的光線，能產生很好的驅蚊效果。
Wednesday, September 16, 2009
米商.花猫.老鼠
一个卖米的商人，他的粮仓里常常有老鼠来偷吃他的米粮，令他非常苦恼。 于是，他买了一只花猫，把它养在粮仓，并保证只要它能捉到老鼠，就会给它奖赏。 第二天，花猫捉到了一只小老鼠，把它交给主人。主人把吃剩的鱼骨头丢给花猫，说“大老鼠吃了我较多的米粮，小老鼠吃得较少，捉十只小老鼠也比不上一只大老鼠的贡献。所以你的功劳小，只能吃鱼骨头。” 第三天，又有一只小老鼠来偷米粮。花猫心想：“捉了它也不能领功，只能吃别人剩下的鱼骨头，不如把他养在粮仓里，等它肥大时才把它交给主人。”
于是，花猫便任由老鼠在粮仓里偷吃米粮。 过了一段时间，这只老鼠吃得又肥又大，花猫便把它捉去见主人，说：“这只大老鼠吃了你大量的米粮啊！我费了好大的力气才捉到它。” 主人见老鼠的体型像花猫那么大，非常高兴，立刻奖赏了花猫两条大鲤鱼，并鼓励它说：“你的功劳真大！希望你以后捉更多这样大的老鼠。” 从此以后，花猫继续在粮仓里养老鼠。大老鼠一只又一只地交给主人，米粮却一天比一天少，主人却始终不明白其中的原因。 有时候我们容易被表面的东西所欺骗，以致没有意识到自己的错误。所以我们要把事情弄清楚，不要一味的听信别人所说的话。
米商是政府，花猫是部长，老鼠是贪官。 就是因为花猫般的态度，贪污问题越来越严重，官僚问题越来越猖狂，政府永远不知道问题出在那里。 米商是政府，花猫是政府部门的首脑，他们都不处理无功赏的小问题，只等小问题变成灾难时，才来成立皇家调查委员会。 在政坛在官场，老鼠总是越来越肥，花猫总是领奖
于是，花猫便任由老鼠在粮仓里偷吃米粮。 过了一段时间，这只老鼠吃得又肥又大，花猫便把它捉去见主人，说：“这只大老鼠吃了你大量的米粮啊！我费了好大的力气才捉到它。” 主人见老鼠的体型像花猫那么大，非常高兴，立刻奖赏了花猫两条大鲤鱼，并鼓励它说：“你的功劳真大！希望你以后捉更多这样大的老鼠。” 从此以后，花猫继续在粮仓里养老鼠。大老鼠一只又一只地交给主人，米粮却一天比一天少，主人却始终不明白其中的原因。 有时候我们容易被表面的东西所欺骗，以致没有意识到自己的错误。所以我们要把事情弄清楚，不要一味的听信别人所说的话。
米商是政府，花猫是部长，老鼠是贪官。 就是因为花猫般的态度，贪污问题越来越严重，官僚问题越来越猖狂，政府永远不知道问题出在那里。 米商是政府，花猫是政府部门的首脑，他们都不处理无功赏的小问题，只等小问题变成灾难时，才来成立皇家调查委员会。 在政坛在官场，老鼠总是越来越肥，花猫总是领奖
Friday, September 11, 2009
美國最暢銷書-選狼還是選獅子?
上帝把兩群羊放在草原上，一群在南，一群在北。 上帝還給羊群找了兩種天敵，一種是獅子，一種是狼。
上帝對羊群說：「如果你們要狼，就給一隻，任它隨意咬你們。 如果你們要獅子，就給兩頭，你們可以在兩頭獅子中任選一頭，還可以隨時更換。」
這道題的問題就是：如果你也在羊群中，你是選狼還是選獅子？很容易做出選擇吧？
好吧! 記住你的選擇，接著往下看。
南邊羊想，獅子比狼兇猛得多，還是要狼吧! 於是,它們就要了一隻狼。
北邊羊想，獅子雖然比狼兇猛得多，但我們有選擇權，還是要獅子吧!
於是，它們就要了兩頭獅子。
狼進了南邊羊群後，就開始吃羊。狼身體小，食量也小，一隻羊夠它吃幾天了。
這樣羊群幾天才被追殺一次。
北邊羊挑選了一頭獅子，另一頭則留在上帝那裡。
這頭獅子進入羊群後，也開始吃羊。獅子不但比狼兇猛，而且食量驚人，每天都要吃一隻羊。
這樣羊群就天天都要被追殺，驚恐萬狀，羊群趕緊請上帝換一頭獅子。
不料，上帝保管的那頭獅子一直沒有吃東西，飢餓難耐，撲進羊群，比前面那頭獅子咬得更瘋狂。
羊群一天到晚只是逃命，連草都快吃不成了。
南邊羊群慶幸自己選對了天敵，又嘲笑北邊的羊群沒有眼光。
北邊羊群非常後悔，向上帝大倒苦水，要求更換天敵，改要一隻狼。
上帝說：「天敵一旦確定，就不能更改，必須世代相隨，你們唯一的權利是在兩頭獅子中選擇。」
北邊羊群只好把兩頭獅子不斷更換。可兩頭獅子同樣凶殘，換哪一頭都比南邊羊群悲慘得多，它們索性不換了，讓一頭獅子吃得膘肥體壯，另一頭獅子則餓得精瘦。 眼看那頭瘦獅子快要餓死了，羊群才請上帝換一頭。
這頭瘦獅子經過長時間的飢餓後，慢慢悟出了一個道理：自己雖然兇猛異常，一百隻羊都不是 對手，可是自己的命運是操縱在羊群手裡的。羊群隨時可以把自己送回上帝那裡，讓自己飽受飢餓的煎熬，甚至有可能餓死。
想通這個道理後，瘦獅子就對羊群特別客氣，只吃死羊和病羊，凡是健康的羊它都不吃了。
羊群喜出望外，有幾隻小羊提議乾脆固定要瘦獅子，不要那頭肥獅子了。 一隻老公羊提醒說：「瘦獅子是怕我們送它回上帝那裡挨餓，才對我們這麼好。
萬一肥獅子餓死了，我們沒有了選擇的餘地，瘦獅子很快就會恢復凶殘的本性。」
羊群覺得老羊說得有理，為了不讓另一頭獅子餓死，它們趕緊把它換回來。
原先肥壯的那頭獅子，已餓得剩下皮包骨頭了，並且也懂得了自己的命運是操縱在羊群手裡的道理。為了能活命，它竟百般討好起羊群來。而那頭被送交給上帝的獅子，則難過得流下了眼淚。
北邊羊群在經歷了重重磨難後，終於過上了自由自在的生活。
南邊羊的處境卻越來越悲慘了，那隻狼因為沒有競爭對手，羊群又無法更換它，它就胡作非為，每天都要咬死幾十隻羊，這隻狼早已不吃羊肉了，它只喝羊的血,還不准羊叫，那隻叫就立刻咬死那隻。南邊的羊群只能在心中哀歎：「早知道這樣，還不如要兩頭獅子。」
這是一道非常簡單的選擇題，據我多次親自嘗試的經驗，如果問歐美的朋友，大多數人都會選獅子，但是如果拿來問我們自己華人，大多數人都會選狼（包括我自己）。
領悟到了嗎？ 握有決定權的才有生機，否則只有任人宰割的份兒了…！ (網路信件)
潛能密碼:當你覺得你的快樂是別人帶給你的，那麼，你將永遠不快樂，因為，你必須時時仰望著別人的臉色與情緒來決定你的喜怒哀樂。
當你覺得你是所有快樂的滿足的來源，那麼，你就是那個時時處於快樂天堂領悟的人，你決定你自己的一切。
上帝對羊群說：「如果你們要狼，就給一隻，任它隨意咬你們。 如果你們要獅子，就給兩頭，你們可以在兩頭獅子中任選一頭，還可以隨時更換。」
這道題的問題就是：如果你也在羊群中，你是選狼還是選獅子？很容易做出選擇吧？
好吧! 記住你的選擇，接著往下看。
南邊羊想，獅子比狼兇猛得多，還是要狼吧! 於是,它們就要了一隻狼。
北邊羊想，獅子雖然比狼兇猛得多，但我們有選擇權，還是要獅子吧!
於是，它們就要了兩頭獅子。
狼進了南邊羊群後，就開始吃羊。狼身體小，食量也小，一隻羊夠它吃幾天了。
這樣羊群幾天才被追殺一次。
北邊羊挑選了一頭獅子，另一頭則留在上帝那裡。
這頭獅子進入羊群後，也開始吃羊。獅子不但比狼兇猛，而且食量驚人，每天都要吃一隻羊。
這樣羊群就天天都要被追殺，驚恐萬狀，羊群趕緊請上帝換一頭獅子。
不料，上帝保管的那頭獅子一直沒有吃東西，飢餓難耐，撲進羊群，比前面那頭獅子咬得更瘋狂。
羊群一天到晚只是逃命，連草都快吃不成了。
南邊羊群慶幸自己選對了天敵，又嘲笑北邊的羊群沒有眼光。
北邊羊群非常後悔，向上帝大倒苦水，要求更換天敵，改要一隻狼。
上帝說：「天敵一旦確定，就不能更改，必須世代相隨，你們唯一的權利是在兩頭獅子中選擇。」
北邊羊群只好把兩頭獅子不斷更換。可兩頭獅子同樣凶殘，換哪一頭都比南邊羊群悲慘得多，它們索性不換了，讓一頭獅子吃得膘肥體壯，另一頭獅子則餓得精瘦。 眼看那頭瘦獅子快要餓死了，羊群才請上帝換一頭。
這頭瘦獅子經過長時間的飢餓後，慢慢悟出了一個道理：自己雖然兇猛異常，一百隻羊都不是 對手，可是自己的命運是操縱在羊群手裡的。羊群隨時可以把自己送回上帝那裡，讓自己飽受飢餓的煎熬，甚至有可能餓死。
想通這個道理後，瘦獅子就對羊群特別客氣，只吃死羊和病羊，凡是健康的羊它都不吃了。
羊群喜出望外，有幾隻小羊提議乾脆固定要瘦獅子，不要那頭肥獅子了。 一隻老公羊提醒說：「瘦獅子是怕我們送它回上帝那裡挨餓，才對我們這麼好。
萬一肥獅子餓死了，我們沒有了選擇的餘地，瘦獅子很快就會恢復凶殘的本性。」
羊群覺得老羊說得有理，為了不讓另一頭獅子餓死，它們趕緊把它換回來。
原先肥壯的那頭獅子，已餓得剩下皮包骨頭了，並且也懂得了自己的命運是操縱在羊群手裡的道理。為了能活命，它竟百般討好起羊群來。而那頭被送交給上帝的獅子，則難過得流下了眼淚。
北邊羊群在經歷了重重磨難後，終於過上了自由自在的生活。
南邊羊的處境卻越來越悲慘了，那隻狼因為沒有競爭對手，羊群又無法更換它，它就胡作非為，每天都要咬死幾十隻羊，這隻狼早已不吃羊肉了，它只喝羊的血,還不准羊叫，那隻叫就立刻咬死那隻。南邊的羊群只能在心中哀歎：「早知道這樣，還不如要兩頭獅子。」
這是一道非常簡單的選擇題，據我多次親自嘗試的經驗，如果問歐美的朋友，大多數人都會選獅子，但是如果拿來問我們自己華人，大多數人都會選狼（包括我自己）。
領悟到了嗎？ 握有決定權的才有生機，否則只有任人宰割的份兒了…！ (網路信件)
潛能密碼:當你覺得你的快樂是別人帶給你的，那麼，你將永遠不快樂，因為，你必須時時仰望著別人的臉色與情緒來決定你的喜怒哀樂。
當你覺得你是所有快樂的滿足的來源，那麼，你就是那個時時處於快樂天堂領悟的人，你決定你自己的一切。
Thursday, September 10, 2009
Blacklist - most dangerous company in Malaysia
In addition to the recent highlight by the mass media, here is some good compilation of suspicious business scams.
1. The Cafe Scams - Island Red Cafe & Stevens Corner
(strange, both in Pandan Indah) - Island Red Cafe collects members RM6,000 each and promised 5% return every month and even give you a name in the ROC as a shareholder but what's the point when they run away? Stevens Corner, the famous indian coffee shop follows due to drop of business since their renovation. They collect RM3,000 per member and promise return of RM150 monthly and plans to open nice fanchisee cafe called StevensTeaGarden. Someone mentioned they will make you sign an agreement that give them the rights NOT to pay you anything in future. If you really wish to join, ask for a copy of their agreement and consult your lawyer BEFORE paying them. Bet you will NOT get a copy. Both collect monies from new members with MLM recruitment schemes and pay the old members like Sunshine Empire. You never know when they will run away.
2. Sunshine Empire
This licensed and legal Company has an impressive office at the ground level of KUB building along Jalan Yap Kwan Seng, near Menara Public Bank and AmBank Building . They also have a showroom office at the ground level in the next building. 3 or 4 months ago, Singapore's Straits Times and The Paper published big news reminding their people to be careful and NOT to believe in them. Hope someone can put up the link or> google for it.(As expected, they STOPPED paying back members now and all investors LOST their money).
Someone below has put a link to the Singapore news. In fact there are more to it. Although Singapore is investigating them, they did not stop their business as the business is legal and so far, no Singaporean have failed to receive their commissions as promised. Thus, the government cannot stop them yet. The news published that the founder, director and group president is someone named James Phang but he is NOT the owner. Isn't this quite strange ? At the end of the game, James Phang can just disappear from the Company easily and claimed that he was just "employed". Such trick always happened in scam businesses. Now, the Company has STOPPED paying commissions and interests to members with the excuse that the Singapore government has freezed their bank account while under investigation. Do you think their boss will be so stupid to keep much monies in the bank to be freezed? They are all transfered away. It's just an excuses not to> pay back to members and members are only paid "e-bonus-points" which is cashless. If they wish to> convert to cash, they have to recruit new members to pay them cash and the recruiter less out trom the amount. So victims act like Vampires and "forced" to victimise other victims if they wish to get their monies back. And their victims will later transform to vampires and the scam carries on…..
3. MobilWallet
This Company owned by 2 young men, Stanley & Rey Gan, office in Queens Avenue Park has collect multi-millions the last 2 years. Claimed that they tied up with Telekoms, Utility Board payment like Water & Electricity bills, even Maybank got fooled by them. Advertisement Billboards everywhere. They STOPPED paying back their members few months ago and the members cannot do anything because they are made to sign an agreement unaware that they have to claims if the company stopped paying them by CHANGING terms and policies.
4. Water Business - Oxygenated and Alkaline Water Products
Some of these are bottled water and some are filters or equipment that claimed the trick..One of the better known Company that sold "oxygen" water is SITO (supposed to stand for Selangor International Trading Organiszation and claimed Selangor State Government owned some share in it). The key person and founder is a Dato Robert Ong from Rawang but his name is no longer in the business now. Their products are sold for RM2 to RM3 for a 350ml bottle and now concentrating mostly in the Indian market. Their Chinese and Malays market are long gone since a year or 2 ago. Their customers are made to believe that their water has more oxygen and able to give miraculous effects for the body. Water is H2O, how to put more O into it ? Anyone knows how much oxygen do we breathe into our body everyday at FOC ? Latest news is that this SITO Company is going to create new label to market under a new Company since the SITO name has already gone bad. Someone informed that this Company is owing alot of money(due to refunds) to ex-stockists but just refuse to pay them. (Latest news, SITO shifted to another place and their MLM business has closed but planning to start again with a different name, beware!!)
Alkaline Products - Can anyone explain how it can work for the body ? The stomach's gastric liquid is so acidic that water of any pH that goes through it will not make any difference.
5. Car Fuel Booster - K-Link
K-Link, the famous scam MLM Company that sold the footpatch TAKARA, later the "cock-ring" and energy-card launched the patrol-saving pills last year. Got so hot that even grocery shops are selling for them.. Recently many of these cars that used the pills are rushing to the workshops to clean the residual. Few months ago, another MLM Company launched a fuel booster gadget, claimed that saves up to 20% fuel, that is attached to the cigarette lighter. Started off well using binary plan but businese begin to fade now and most users find it NOT effective.
6. Perfumery Products
(eg. Lampe Berger & Bel Air)(more details later). Lampe Berger is not so hot now in the neighbouring countries but there are still new victims every month in Malaysia .. Must thanks to those who have contributed and kept the thread alive here in Kopitiam. Bel-Air have closed in Malaysia .. LB is almost zero in Singapore . This perfumery product from France with over 100 years history is just bottles and fragrance (check the factory's website) but the Company marketing them in Asia claimed "aromatheraphy" products. Hong Kong TVB aired a program that exposed their scam but their members claimed that HK's TVB already apologised to them. Note that the biggest strenght in a MLM Scam is their members will go all way out to lie in order to defend for their Company. The reason is simple; these members fear that they will not be able to make their money back if the Company collapsed. Knowing that the Lampe Berger products are moving slow, they add a line of skincare products named Estebel, also claime to have over 100 years history in France. (Hardly anymore Chinese newcomers, they are now tapping the Malays in Malaysia.)
7. Energy Products
(eg. stone pendants, bracelets, mattress and pillows). They use all sorts of gimmicks and demonstration to make you into believing them. They will do some tricks and demo to prove that these products really produce energy BUT is there any tricks in their demo? So what if there really produce energy; is it good or strong enough to help the body? The effect is actually PLACEBO which I will elaborate in a new thread soon. (More details later.)
8. Hi-Tech Products
Names like bio-tech, nano-tech that claimed millions of dollars of research involved, eg Bio-Young and XKL few years ago. Most of these will claimed a professor behind them (even with name and picture of a person) or used words like "U.S.A. formula", "German Technology" or "Nanotechnology" and no further details (more details later). If you ask for more details like the professor or factory's address, the answer will be "trade secrets".
9. Investment Schemes
SWISSCASH is the King of all. Swisscash is nearly over now but there are many similar and smaller ones that are still on. (Now, it's closed or stopped paying back members.)
10. GoldQuest
This Company that claimed to be HK-based started with some non-value gold-plated coins that are sold for over RM2,000 have several names and changed products several times. QuestVacation, QuestNet, etc. They have several offices in Amcorp Mall, PJ and their key person (in fact, the owner), a Malaysian Indian was arrested last year in Indonesia for having involved in a very big Phillipines scam. Most of their overseas offices are closed or inactive but their Malaysia business is still hot, with some "energy" products. (Can someone please provide a link which showed the news that their boss was involved in a big scam in Philippines and was arrested in last year?)
11. Numerogy & Fortune Telling
A Company named Visible is using MLM to sell fortune telling classes using your birthday based on numerology fortune telling. Prpspects will be told that they need to buy a certain "number" between 1 to 9 in the form of pendants or bracelets made of stainless steel and sold from RM600 to RM20,000. Customers, or rather victims are mostly females from rural areas. Very hot in Penang now and a number of spin-off Companies have started.
12. MJ - Life
MJ-Life - This Company boost of a very big background with many many years of history which is NOT true. Their people or associates may be long in business but nothing to do with their MLM launched recently. Why do I consider it a scam or bad? New members are told to pay a sum of money (up to RM1000) and you get NOTHING for it. You only get a membership can entitle you to enjoy all sorts of special price and discounts when you have medical check-ups in their centres.. They will claim all those check-ups cost more if done elsewhere. It's not true. Only the naive and those new to medical check-ups will fall victims to them. Most members who paid the money ended up with nothing.
13. Seaweed Venture Scams
1 such Company is located in Taman Maluri, Cheras. They will ask you to invest a few thousands ringgits for their venture of growing seaweeds in East Malaysia and you are guaranteed returns. To gain your confidence further, they will tell you your investment money is secured by "insurance" or "unit trusts" & "trustees". When you ask for further documents to prove, they will give all sorts of excuses or just ignore you because they know they cannot get you. These Seaweed scam is one of the hottest now, warn all your friends about it before they are victimised.
14. MXM (Previously MGM)
This is a master scam among the younger group, very successful 2 or 3 years ago but since there moved to their big 10-storey office at Phileo Damansara and changed name to MXM, their business dropped. They collect members RM3,000 to RM4,000 with credit card monthly easy payment and in return you get a hospital benefits insurance from Pacific Insurance worth only a few hundred RMs together with some you-don't-need medical check-ups from their associate Company Pathlab. Also talk about fitness, lifestyles bullshit that is all worthless.
15. Gano Excel
This company from the north, a copycat of DXN selling Lingzhi capsules created a new Company called Gano iTouch to cash-in on the internet like e-Cosway after their Company went down the drain since the last 2 years, selling Linzhi and some no-value energy pendants and alkaline water gadgets. They provide free transport every weekend from KL to visit their Alor Star office.
16. NuLife (HK)
This Company started by some HK people has been in Malaysia for more than 10 years but they have flopped in HK and Malaysia due to bad management and a product scam making use of a prosecuted American named Dr Jeffrey Bland, found guilty of false products claim. Since this case in the US leaked out and many Malaysians found out that the real boss in HK is a Steven Tang (he cheated many Malaysians in another scheme about 20 years ago) their business went down all the way. Now they claim Malaysian partners cheated them and start a new Company in Malaysia . Watch out, this new Company will come out with some investment scheme idea that will get many to lose their money.
17. Arowana Fish Breeding
Oora from Germany , Biofuel (Kompleks Maluri) etc - These are some newer scams. Arowana fish venture ask you to invest some money and give you fixed return. Biofuel will tell you their Indonesia connections (just like Sunshine Empire before using Taiwan) & Oora from Germany(I never trust those cruel Germans) that market some bio-chips and a gadget that claims to give energy and therapeutic effects of accupunture, tai-chi, yoga, etc depending how you set the toy-like gadget, wear it on your body and you get the effect later. They could not explain or provide any demonstration to prove their effectiveness. Only doctors and papers claim that I will never trust. The health effect is actually PLACEBO, which I will elaborate in a different thread.
1. The Cafe Scams - Island Red Cafe & Stevens Corner
(strange, both in Pandan Indah) - Island Red Cafe collects members RM6,000 each and promised 5% return every month and even give you a name in the ROC as a shareholder but what's the point when they run away? Stevens Corner, the famous indian coffee shop follows due to drop of business since their renovation. They collect RM3,000 per member and promise return of RM150 monthly and plans to open nice fanchisee cafe called StevensTeaGarden. Someone mentioned they will make you sign an agreement that give them the rights NOT to pay you anything in future. If you really wish to join, ask for a copy of their agreement and consult your lawyer BEFORE paying them. Bet you will NOT get a copy. Both collect monies from new members with MLM recruitment schemes and pay the old members like Sunshine Empire. You never know when they will run away.
2. Sunshine Empire
This licensed and legal Company has an impressive office at the ground level of KUB building along Jalan Yap Kwan Seng, near Menara Public Bank and AmBank Building . They also have a showroom office at the ground level in the next building. 3 or 4 months ago, Singapore's Straits Times and The Paper published big news reminding their people to be careful and NOT to believe in them. Hope someone can put up the link or> google for it.(As expected, they STOPPED paying back members now and all investors LOST their money).
Someone below has put a link to the Singapore news. In fact there are more to it. Although Singapore is investigating them, they did not stop their business as the business is legal and so far, no Singaporean have failed to receive their commissions as promised. Thus, the government cannot stop them yet. The news published that the founder, director and group president is someone named James Phang but he is NOT the owner. Isn't this quite strange ? At the end of the game, James Phang can just disappear from the Company easily and claimed that he was just "employed". Such trick always happened in scam businesses. Now, the Company has STOPPED paying commissions and interests to members with the excuse that the Singapore government has freezed their bank account while under investigation. Do you think their boss will be so stupid to keep much monies in the bank to be freezed? They are all transfered away. It's just an excuses not to> pay back to members and members are only paid "e-bonus-points" which is cashless. If they wish to> convert to cash, they have to recruit new members to pay them cash and the recruiter less out trom the amount. So victims act like Vampires and "forced" to victimise other victims if they wish to get their monies back. And their victims will later transform to vampires and the scam carries on…..
3. MobilWallet
This Company owned by 2 young men, Stanley & Rey Gan, office in Queens Avenue Park has collect multi-millions the last 2 years. Claimed that they tied up with Telekoms, Utility Board payment like Water & Electricity bills, even Maybank got fooled by them. Advertisement Billboards everywhere. They STOPPED paying back their members few months ago and the members cannot do anything because they are made to sign an agreement unaware that they have to claims if the company stopped paying them by CHANGING terms and policies.
4. Water Business - Oxygenated and Alkaline Water Products
Some of these are bottled water and some are filters or equipment that claimed the trick..One of the better known Company that sold "oxygen" water is SITO (supposed to stand for Selangor International Trading Organiszation and claimed Selangor State Government owned some share in it). The key person and founder is a Dato Robert Ong from Rawang but his name is no longer in the business now. Their products are sold for RM2 to RM3 for a 350ml bottle and now concentrating mostly in the Indian market. Their Chinese and Malays market are long gone since a year or 2 ago. Their customers are made to believe that their water has more oxygen and able to give miraculous effects for the body. Water is H2O, how to put more O into it ? Anyone knows how much oxygen do we breathe into our body everyday at FOC ? Latest news is that this SITO Company is going to create new label to market under a new Company since the SITO name has already gone bad. Someone informed that this Company is owing alot of money(due to refunds) to ex-stockists but just refuse to pay them. (Latest news, SITO shifted to another place and their MLM business has closed but planning to start again with a different name, beware!!)
Alkaline Products - Can anyone explain how it can work for the body ? The stomach's gastric liquid is so acidic that water of any pH that goes through it will not make any difference.
5. Car Fuel Booster - K-Link
K-Link, the famous scam MLM Company that sold the footpatch TAKARA, later the "cock-ring" and energy-card launched the patrol-saving pills last year. Got so hot that even grocery shops are selling for them.. Recently many of these cars that used the pills are rushing to the workshops to clean the residual. Few months ago, another MLM Company launched a fuel booster gadget, claimed that saves up to 20% fuel, that is attached to the cigarette lighter. Started off well using binary plan but businese begin to fade now and most users find it NOT effective.
6. Perfumery Products
(eg. Lampe Berger & Bel Air)(more details later). Lampe Berger is not so hot now in the neighbouring countries but there are still new victims every month in Malaysia .. Must thanks to those who have contributed and kept the thread alive here in Kopitiam. Bel-Air have closed in Malaysia .. LB is almost zero in Singapore . This perfumery product from France with over 100 years history is just bottles and fragrance (check the factory's website) but the Company marketing them in Asia claimed "aromatheraphy" products. Hong Kong TVB aired a program that exposed their scam but their members claimed that HK's TVB already apologised to them. Note that the biggest strenght in a MLM Scam is their members will go all way out to lie in order to defend for their Company. The reason is simple; these members fear that they will not be able to make their money back if the Company collapsed. Knowing that the Lampe Berger products are moving slow, they add a line of skincare products named Estebel, also claime to have over 100 years history in France. (Hardly anymore Chinese newcomers, they are now tapping the Malays in Malaysia.)
7. Energy Products
(eg. stone pendants, bracelets, mattress and pillows). They use all sorts of gimmicks and demonstration to make you into believing them. They will do some tricks and demo to prove that these products really produce energy BUT is there any tricks in their demo? So what if there really produce energy; is it good or strong enough to help the body? The effect is actually PLACEBO which I will elaborate in a new thread soon. (More details later.)
8. Hi-Tech Products
Names like bio-tech, nano-tech that claimed millions of dollars of research involved, eg Bio-Young and XKL few years ago. Most of these will claimed a professor behind them (even with name and picture of a person) or used words like "U.S.A. formula", "German Technology" or "Nanotechnology" and no further details (more details later). If you ask for more details like the professor or factory's address, the answer will be "trade secrets".
9. Investment Schemes
SWISSCASH is the King of all. Swisscash is nearly over now but there are many similar and smaller ones that are still on. (Now, it's closed or stopped paying back members.)
10. GoldQuest
This Company that claimed to be HK-based started with some non-value gold-plated coins that are sold for over RM2,000 have several names and changed products several times. QuestVacation, QuestNet, etc. They have several offices in Amcorp Mall, PJ and their key person (in fact, the owner), a Malaysian Indian was arrested last year in Indonesia for having involved in a very big Phillipines scam. Most of their overseas offices are closed or inactive but their Malaysia business is still hot, with some "energy" products. (Can someone please provide a link which showed the news that their boss was involved in a big scam in Philippines and was arrested in last year?)
11. Numerogy & Fortune Telling
A Company named Visible is using MLM to sell fortune telling classes using your birthday based on numerology fortune telling. Prpspects will be told that they need to buy a certain "number" between 1 to 9 in the form of pendants or bracelets made of stainless steel and sold from RM600 to RM20,000. Customers, or rather victims are mostly females from rural areas. Very hot in Penang now and a number of spin-off Companies have started.
12. MJ - Life
MJ-Life - This Company boost of a very big background with many many years of history which is NOT true. Their people or associates may be long in business but nothing to do with their MLM launched recently. Why do I consider it a scam or bad? New members are told to pay a sum of money (up to RM1000) and you get NOTHING for it. You only get a membership can entitle you to enjoy all sorts of special price and discounts when you have medical check-ups in their centres.. They will claim all those check-ups cost more if done elsewhere. It's not true. Only the naive and those new to medical check-ups will fall victims to them. Most members who paid the money ended up with nothing.
13. Seaweed Venture Scams
1 such Company is located in Taman Maluri, Cheras. They will ask you to invest a few thousands ringgits for their venture of growing seaweeds in East Malaysia and you are guaranteed returns. To gain your confidence further, they will tell you your investment money is secured by "insurance" or "unit trusts" & "trustees". When you ask for further documents to prove, they will give all sorts of excuses or just ignore you because they know they cannot get you. These Seaweed scam is one of the hottest now, warn all your friends about it before they are victimised.
14. MXM (Previously MGM)
This is a master scam among the younger group, very successful 2 or 3 years ago but since there moved to their big 10-storey office at Phileo Damansara and changed name to MXM, their business dropped. They collect members RM3,000 to RM4,000 with credit card monthly easy payment and in return you get a hospital benefits insurance from Pacific Insurance worth only a few hundred RMs together with some you-don't-need medical check-ups from their associate Company Pathlab. Also talk about fitness, lifestyles bullshit that is all worthless.
15. Gano Excel
This company from the north, a copycat of DXN selling Lingzhi capsules created a new Company called Gano iTouch to cash-in on the internet like e-Cosway after their Company went down the drain since the last 2 years, selling Linzhi and some no-value energy pendants and alkaline water gadgets. They provide free transport every weekend from KL to visit their Alor Star office.
16. NuLife (HK)
This Company started by some HK people has been in Malaysia for more than 10 years but they have flopped in HK and Malaysia due to bad management and a product scam making use of a prosecuted American named Dr Jeffrey Bland, found guilty of false products claim. Since this case in the US leaked out and many Malaysians found out that the real boss in HK is a Steven Tang (he cheated many Malaysians in another scheme about 20 years ago) their business went down all the way. Now they claim Malaysian partners cheated them and start a new Company in Malaysia . Watch out, this new Company will come out with some investment scheme idea that will get many to lose their money.
17. Arowana Fish Breeding
Oora from Germany , Biofuel (Kompleks Maluri) etc - These are some newer scams. Arowana fish venture ask you to invest some money and give you fixed return. Biofuel will tell you their Indonesia connections (just like Sunshine Empire before using Taiwan) & Oora from Germany(I never trust those cruel Germans) that market some bio-chips and a gadget that claims to give energy and therapeutic effects of accupunture, tai-chi, yoga, etc depending how you set the toy-like gadget, wear it on your body and you get the effect later. They could not explain or provide any demonstration to prove their effectiveness. Only doctors and papers claim that I will never trust. The health effect is actually PLACEBO, which I will elaborate in a different thread.
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