Sunday, June 21, 2009
Would you forgive him?
However not family is lucky enough to have such fathers. Even Barack Obama has got a irresponsible man as his father and he is calling for all fathers to be a responsible man. This is a post about such fathers and fathers to peoples that I know. There are two cases here.
Case 1.
K is my relative. He owns a trucks workshop. Financially he can be considered as rich. He has 5 children and a wife,P, who is a few years younger than him. When his children is still relatively young, the eldest was still in secondary school, i think his wife suspected that K is cheating on her. In order to win her husband back, P tried to slim down. But nothing was confirm and she did not really to slim down a lot. That was in the 90s.
And then some 3-4 years back, P discover about K's mistress. Whats more, they aldy have 2 kids. P went crazy. She cried non-stop and treaten to kill herself. It was so bad that they had to call K's mother and his brothers and their wives to calm her down. That was not the end of it. P went into depression and would sometimes follow her husband around to prevent him from meeting his 'other' family. Till today, things have not improve.
For information, K is actuall not a bad father. He loves his children. He is the one who will make sure the children get a good party when they are 21. His once gave his eldest son 100000, to start a business. His son got cheated in the end, but he never even scold him. He tried his best to provide to his family up till today. But no matter what he did, all his children are on their mother side. His eldest son and daughters especially, hated him the most. The only way they could forgive him is maybe to leave his other family. But how could he? He already has 2 children with his mistress.
Case 2.
My friend, S, was the 2nd daughter in the family of 4 children, with the only son being the youngest. When S was in early secondary school, her family was doing well. They run a coffeeshop. Business was good, each month they could earn a net profit of 7-8K (that was in late 90s and early 2000s). Her mom was the one who did most of the work most of the time, while the children will help out when they are home after school. The father will be there at the shop when he has the time as he also has other business.
When S reaches upper secondary, troubles start to appear in her family. Her father runs into financial troubles. To earn some extra income my fren start to give tuition classes. When she was in Form4, she teaches Form3 students. When she is in F5, she will teach F4 and F3 classes. In lower6, she will teach F3-5 and in upper six she will be teaching F3-6 students. She only teaches one subjects and she is really very very good at it.
S's father got himself and his family into more troubles when he borrows from loan sharks. They even have to sell off their coffeeshop business when she was in F6. Occasionally they got harrassed by loan sharks who will go to their house demanding money from them. S will be the who will chase these loan sharks away. Yes, S is not only smart but she is also very very brave and fierce. By that time the father is very seldom at home. And when he is home, he will sometimes hit their mother. They also found out that their father has another woman outside. Everyone in the family hates the father very much for his behavior and for getting the family into all this troubles. Everyone except S.
These was a very hard time for S. Ever since they sold their coffeeshop business, S is the only one supporting her family by giving tuition classes. She was the pillar in the family. Coping with all these problems at home, all her time spent giving tuition classes and trying to cope with her studies at the same time is not an easy task for anyone.
A few years passed and their life were now a lot more better. Her sisters are all working now. S and her elder sis are married and had their own children. Their father does not stay with them but would visit from time to time. Everytime, S and her elder sister would give him some money to spend though its not much. Others still hates him very much. One day, the father announces that he is now rich again. He had made a few millions from a deal. He told them that he will give their mother one million. However everyone opposes it because this would mean that he will be part of the family again. Although S do not really hate her father but she could not forget what he has done and she does not know if they should forgive their father and accepts him back to the family.
Tuesday, May 12, 2009
The mansion fiasco

Once upon a time in a land famous for its white coffee and pomelo, live a rich old man who earns his fortune selling taugeh chicken rice. He owns a big and luxury mansion where his two wives and two sons live in with him.
The eldest son, N, is smart and hard working while the other, Z, only love to spend time and money into gambling and girls. The rich old man had always mentioned that he wanted N to inherit his fortune. Then one unfortunate day, the old man had a heart attack and he pass away. He left the world without leaving a proper will.
Now, both N (son of the first wife) and Z (son of second wife) had never been on a good term. And so after the death of their father, both start fighting for the rights to the mansion. Initially N, being the son of the first wife and the eldest, assume control of the house and the family business.
But then one fine day Z suddenly rushed into the house and declared that he should be the rightful owner. He told everyone in the house that he had a dream the night before. In the dream, the dead father told Z that he wanted to pass his fortune to him. And so Z happily took control of everything and get his dogs to chased N out of the house.
N is of course not happy. He took the case to the court. At the trial, court found that N is the one who has the right to the fortune, not Z, as it was well known before the old man died that he wanted N to inherit his fortune.
But Z was not prepared to give up easily. So he appealed to the decision of the court. And not only does he makes an appeal, he also apply to the court that he be given the right to the fortune until a decision is made at the appeal. Court says ok. So for the time being, Z maintain control of the mansion and the family business.
As for now, everyone will have to wait till court of appeal comes out with a decision. Who is going to win in the end? Who do u want to win? N or Z? Why can't they allow sms voting to decide on the issue? Haih......
Sunday, May 3, 2009
High time to refinance your loan?
"Two years ago, banks were charging home buyers base lending rate (BLR) 'plus' interest rates for their housing loans.Today, the BLR for mortgages has fallen to a 'minus' level. In addition, then, the average BLR was about 6.75% which was later adjusted to about 5.55% currently."
The competitiveness in housing loan sector among banks has created a situation where the interest are so much more lower than what it used to be just more than 2 years ago. Read the statement above. It was taken out of an article from StarBiz (read the full article here).
To those of you who has taken a housing loan more than 2 years ago and you are still servicing the loan, you should really just go to your bank and tell them you want to refinance your loan. However, it may be difficult to make a choice on how to make the best deal out of the favourable condition of the housing loan market out there. To make things easier, I have made some simple guideline.
- If you are out of your lock-in period and are have principal balance of more than RM200K.
You are in the best position of all. There are so many interestingly low rates out there for you to choose from. Banks offer rates that are as low as BLR – 2.2%. But you should also look at loan provided by insurance companies where the interest rates are fixed, i.e. it does not depend on BLR. I heard that they are offering as low as 4+% for the whole tenure of loan which is very very low.
- If you are out of your lock-in period and are have principal balance of more than RM100K.
You are in a position where you can choose the bank which offers you the lowest interest rates. You do not have to pay any compensation for your existing loan and all banks are giving out loan with zero-moving cost. That means you do not have to pay any fees in getting the loan, saving you many thousands in legal and other costs.
- If you are out of your lock-in period and have principal balance of less than RM100K but your house is worth more than RM100K.
Most banks do not give out loan with zero-moving cost if the loan amount is less than RM100K. In this situation, you should consider refinancing with a loan amount of at least RM100K. I know many people do not want to owe banks more than they already have after paying so much interest to the banks in the past. However, do not worry about paying more interest to the banks that you have to because you could get a loan with a flexi account. To put it simply, lets say you have a principal balance of RM80K. You get a new loan for RM100K, u will have extra RM20K of cash. Just put the RM20K in the flexi account. The RM20K will reduce your principal amount to RM80K. You pay interest for just the RM80K, just like your previous loan but with a lower interest rate and the best thing is you can use the RM20K you have in the account in case u need the money.
- If you are still in your lock-in period.
In this situation, you can negotiate with your bank to get a lower rate. They will give you a better rate though it will not be the same as the market rate. Or else you will have to compensate them to save more in the long run.
Wednesday, March 25, 2009
Driving lesson - Defensive Maneuver

But there is a way to counter this kind of driver. Since they have made your drive unpleasant, there is no reason why you should make theirs a pleasant one. This is what your can do, step by step instructions;
1. Remain calm. Do NOT panic, especially if you are a new driver.
2. Keep on driving at your current speed.
3. With you right leg at the accelerator pedal, use your left leg to very lightly (I repeat, very lightly, just enough to trigger your brake lights) tap on the brake pedal for about half a second to a second, the longer the better.
4. Look at the rear view mirror. Check if he is keeping his distance away from your car.
Executing this maneuver should be able to make him keep his distance away from you. If he doesn't, repeat steps 1-4 a few times. If he does not give up, then you can either ignore him or move to the left to let him overtake.
Having said that, it should be warned that maneuver of this kind should only be performed if you meet the following requirements;
Also, this does not mean that I would agree with driver who drive on fast lane at low speed. Please remember that if you are not overtaking, use the slower lane. Fast lane is only to be use if you are overtaking a slower vehicle. Even if you are driving at the speed limit allowable, it does not give you the right to keep to the fast lane if you are not overtaking. There are cars who will travel at speed above the limit. Though it is illegal, but sometimes there could be an emergency.
Bottom line is, remember that if you are not overtaking, always use the slower lane. If you are overtaking, and you come across a tailgater, then perform this defensive maneuver above in a controlled environment.
Wednesday, March 4, 2009
GPS system man would never, ever want in their car
Credit crisis for dummies
Monday, March 2, 2009
Don't let banks cheat you of your hard earned money
Sounds good right? Government wants to help its rakyat, banks want to help reduce the burdens of their customers, and the borrowers can save some money every month. Everyone is happy. The banks are so nice to help their customers in this difficult time.
Bullshit! Banks will never implement any move that will not benefit them. They only know how to milk the most money out of its customers. This latest move only serve one purpose. That is for banks to earn more money from the interests borrowers pay for their loans.
As we all know, Bank Negara Malaysia(BNM) has announced the reduction in Overnight Policy Rate a number of times since late last years. In total, they have dropped a total of 150basis points. From a high of 3.5%, it has now dropped to 2.0%. Following BNM move, the commercial banks has to reduce their Base Lending Rates (BLR) which will in turn reduces the interest earn from loans to borrowers.
In order to offset the lower interest earned, what they can do is to prolong the loan tenure. Which is exactly what they are doing now. Borrowers pay lower installments but over a longer term. Some may argue that its just a small difference, its insignificant. Fact is, it is NOT a small difference. You might be surprise to know that the difference can easily run up to 5 figures.
So for those who has outstanding loan with banks, please go inform your bank that you want to maintain your installment amount. Unless if you are getting laid off or getting a pay cut, you should be able to afford the same amount that you are currently paying. Inform the bank as soon as possible. This is because the banks are implementing this to ALL housing loan, just like how EPF is inplementing the contributions cut to everyone.
It is very unethical for banks to implement this to every loan but I guess ethics are a non existing word to the bankers. And the bad news is, not only is BNM doing nothing to stop them but they are backing them most of the time. BNM is supposed to regulate these banks and protect the people but they are doing opposites most of the time. Just like how the banks are charging for every single thing possible at outrageous rates, BNM just sit down and do nothing about it. Banks are after all blood sucking leech who only knows how to suck the most blood out of its victim.
Btw, if your never notice yet. When BNM announce reduction in Overnight Policy Rate, overnight, banks will instantly reduce their rates of fix deposit. However the BLR will take forever to be reduced and of course, at a rate lower than the reduction in OPR.
Sunday, November 2, 2008
Jokes: Sports
Wednesday, October 22, 2008
Our politician
The Malaysian Communications and Multimedia Commission (MCMC) can act against Internet news portal Malaysiakini for uploading an e-mail supposedly linked to Datuk Seri Najib Tun Razak’s election manifesto for the Umno polls.
“It was clearly done with the intention of tarnishing the image of a national leader. The action is very much regretted,” Shabery said.
If you do not already know the story its like this. Malaysiakini has published a report that Najib has a manifesto for the UMNO election in March. Upon realising its mistake, Malaysiakini has apologised and retracted the report. The reporter who reported it too has apoligised and even resigned from her position. She has paid for her mistake. But then, these monkeys still want to take action against them.
But but but....what about the report in Utusan Malaysia? They had published a false report that an MP in a petition to get mosques to lower the sound of the azan. Not only has the report tarnished the image of the MP, it might also cause a rife between the Muslim and the non-Muslim in Malaysia. In another sense, this report is seditious in nature. So far Utusan has refused to apologised or retract their report. They even published an article that called for murder of such politicians to show their arrogance. And what have those monkeys done? Nothing. Absof**kinglutely nothing!
What kind of double standard are these monkey practising? In short you can report whatever you want in the media, however seditious or untrue it is, as long as it does not involve UMNO's man. Why can't these monkey stop for a few seconds before shooting shits out of their stinking mouth? Why can't they use their cowsense?
MCA's PCSD abused
I think that the department should focuses on doing something more meaningful. Go help those students who needs financial assistance, squatters who got relocated to some far far away places, etc. Helping those who never grows up and remaining naive is a waste of time and resources.
Striping oneself naked for the pleasure of a stranger and getting in trouble for that is not something that MCA can help you with. Just go to the police, in this case maybe the singapore police as well. Going to the MCA will only expose you to the public. If you are still underage then i understand your naivety, but at 25? I don't think i can understand.
And if u have the guts to borrow money from the loan sharks then you must also have the guts to face their hostility when you cannot pay up. Dont tell me you did not know that their interest rates are sky high. If their rates are not high, no one will take a loan from the banks. You caused the problem, you find a way to solve. Dont get your family or other people into trouble. And don't expect that somehow someone will be there to help you settle your debt. Running to Michael Chong will not make the debt disappear. Those who borrow u the money will want their money back just like bank do.
Btw, I heard that Michael Chong is not a saint after all. People who has gone to him for help has to pay him fees up front. I wonder how true it is.
Thursday, October 16, 2008
Food Safety
Melamine which is mainly used to in productions of plastics and cleaning products, has been added into diluted milk to fool protein content tests. Melamine is harmless in low doses but when consumed in large amounts, it can lead to formations of kidney stones which in turns can be fatal.
This is not the first time that China has been hit by food safety incidents and you can bet that it will not be the last. Most of these incidents are caused by greedy, unethical food producers. But then, with increasing demands for food and at a lower prices do you think that it is surprising that issues like this inevitable?
Is the world going to stop importing food products from China from now on? Historically speaking, I do not think so. After the issue has died down, importers will again start to import in huge volumes until the next incident crops up. And these cycles will be repeating many times over until China has eradicate their corruption in their country and increase control on food productions. Or until their production cost became uncompetitive where the world will start to look for food from other countries.
So what can we do about it? I would say that the best way is to grow our own food. Stir-fried spinach fertilized by our own urine with steamed free range chicken makes a good and healthy meal!
PDRM - Pengecut Diraja Malaysia
Our capital city has been taken over by the evil forces. From now onwards be careful...be very very careful when u step into the city center. If you have the money, hire some ex-vietnamese guerilla fighters with you (normal bodyguard will not be adequate when even policemen with guns do not feel safe enough). You never know when you might get rob or rape or even killed by the mobsters running the city. If you are thinking about going in the city alone at nite, forget about it. Its not worth the risking your life no matter whatever business you have to do.
Maybe i'm exaggerated a bit here but if Syed Hamid feels that the best way to avert the danger is by transfering the policeman away rather than to face them and eliminate these dangers, it will not be long before we start importing guerilla fighters.
p.s. Do not simply say anything that will provoke UMNO now. The new CJ is their man. Fantastic isn't it?
Wednesday, October 8, 2008
Exit
Finally! Its the news every Malaysian has been waiting for. Our very own sleeping beauty (sleeping old fart fits him more but lets be nice just for last time) has woke up and realised that he is no longer wanted or needed.Tuesday, September 30, 2008
PDRM - Pengemis Diraja Malaysia
Monday, September 29, 2008
Our Government Department
How ridiculous! How can such thing ever happen? Those lazy fat ass who sits around and busy chit chatting rather than doing a job that they are paid to do should be sent to prison! Maybe...maybe only then can we eliminate such absurd act that has crippled our government department. If it still doesn't work, then we can consider using gun and bullets
Friday, September 19, 2008
swap
Grandpa: You better run fast, when atuk catch you atuk going to 'kucit-kucit' u.....heheehehee....
Grandson: Oh no.....*sprint away*
Grandpa: Gotcha! kakakaaka......kucit-kucit-kucit-kucit-kucit.....hahahaha.....kucit-kucit-kucit-kucit-kucit.....
Grandson: Argh! No!!!....hahaha....NO!!...ahahaaahaha....tuk...hahahaa....Please stop....hahahah....ahahahahhaaaa....
*Dung! Door was slam open. Both was stunned and stop playing immediately*
Father: Who ask u to simply go swap your job?! Why didnt you consult me first? Are you out of your mind?!!
Grandpa: Who do you think you are to talk to me like this in front of my grandson!? Sit down and we will talk nicely.
Father: Why the hell would you rather play with tanks and C4 than counting cold hard cash? I was just looking at a yatch bigger than Abramovich! Now i can only think about a 70m boat! Thats a fucking sampan!!
Grandpa: What fucking cash u talking about? U really think there is still money left in the coffer? U think i'm fucking stupid huh?!! Let me tell you a secret stupid, there is no fucking money left. Any money that can be transferred, its already in my Liechtenstein bank account.
Father: Ok, so have your money all transferred out. Why is there need for the swap? Who knows there might be more money coming in? Then we will not be able to get those money.
Grandpa: My oh my! i thought you are smarter than this. Look, how long do you think i can remain in my position? You really think i can stay long enough to welcome the new year? For god sake that gay bastard is knocking on my office door! Real son of a bitch!! And when i get kicked out, what do u think the account book will looks like? I dun plan to die in the bloody jail. I will reserved that to somebody else.
Father: Alright, its my fault. Looks like I have underestimated you. I'm sorry. By the way, any chance of you sponsoring the super yatch I wanted to buy? We can go for a family trip in it you know.
Grandpa: It will be under my name.
Father: Whatever you say. And, whats that smell? Smells like shit to me.
Grandpa: Jib, did you poo poo on your pampers?
Grandson: No atuk. See? Its clean. *take down pants and show backside*
Grandpa: Oppss...i think i need to make a trip to the toilet
Father: *whisper* I think grandpa just poo poo in his pampers. Come, papa bring u go eat ice-cream.
Grandson: *whisper* Great, i want chocolate ice-cream!
Thursday, May 22, 2008
ARRRGH!!! Man U won.....damn it!
But the final match was not something that i would really enjoy watching. Its a very English game, fast pace, lots of hard running, long balls to the front or danger area, defenders head it clear, repeat many times, wait for a moment of defending lapse, maybe a goal or two or not at all then its over.
With the players that they have, why can't they use a different approach to play the 'beautiful game'? Like the very entertaining Real Madrid used to do it from 2001-2004, the super fast and efficient counter-attacking game of Valencia, or even the 'total football' of Arsenal of today. Can't wait to see how Arsenal will perform next season.
One more thing. From the players on the pitch in Moscow, England could have formed their first eleven with the exception of the keeper. But all of them will be enjoying a long summer break. How irony is that?
Monday, March 17, 2008
Difference between a modest and greedy leader
This is what we would like to see in our leader. Not spending the public funds unnecessarily. Unlike some leaders who like to spend extravagant amount of the rakyat's money to fulfill their personal dream. Lets take a look at a few of the leaders in our country.


Abdullah Badawi, the Prime Minister of Malaysia. Bought a new jet not long ago.
Cost: RM200,000,000

Khir Toyo, former Menteri Besar of Selangor. Built an Exco Village at Shah Alam, consist of 10 bungalows and a clubhouse.
Cost: RM40,000,000


Zakaria Deroz (deceased), former assemblymen of Port Klang. Built his mansion at Port Klang without prior approval.
Cost: RM3,000,000


Nik Aziz, Menteri Besar of Kelantan. Refused to stay at the official house to save cost. Insist on staying at this wooden house of his.
Cost: Priceless!!
Sunday, March 16, 2008
Seperti ibu ketam mengajar anaknya berjalan lurus
On Thursday it was reported on TheStar that that the PM has warned the newly appointed Penang's MB, Lim Guan Eng, not to make any statement that can stoke racial tensions. Below are the excerpts from the report;
“The (Penang) state government must not try to create an atmosphere which can cause racial tensions,” warned Abdullah, who is also head of Penang Umno.
And this is what happened in Penang the following day;



A demonstration around the Komtar building organized by, yes u got it right, the Penang UMNO itself!
Thursday, March 13, 2008
The beginning of a new storm
Kedah suffer the least as the storm did not create much of a damage to the state. In Selangor, districts of Sungai Pinang, Kinrara and Pandamaran was in disarray and some residents was seen demonstrating on the streets of Sungai Pinang.
Meanwhile at the state of Perak, its residents was the hardest hit. The storm was so bad the residents though they were in a war. Some even believed that they were hit by some red flying Rockets. Reports says that storm in that state might not end for some time.
Also in the same report, the meteorological department has also warn the residents of Terengganu that there are signs that a storm might be brewing in the state. Residents are told to be well prepare, especially those under the UmNo umbrellas.
Thank you for watching Buletin Utama weather report for today. This is Wonderful Singh reporting for Buletin Utama, TVCowsense.


