生活中18件傻傻的事情

放松一下，生活中18件傻傻的事情，你做过几件？

1、用手插入米缸的米里面插来插去/玩来玩去
2、地下有阶砖时，特意隔一格一格来走（不可走过界，要完全在格内）
3、用镜面等反光物品反射阳光，照来照去
4、铺张纸在硬币上面，然后用铅笔在上面描，描个形出来
5、吃完瑞士糖（Sugus）之后，将糖纸包回原本四四方方的形状出来
6、超级市场踩着购物车行走
7、贴张写着“我是白痴”等等的纸条在同学的背后
8、拍别人左边 站在别人右边
9、踩别人的影子
10、丢别人门口的拖鞋下楼
11、下楼梯时坐在扶手上面滑下来
12、在电梯(Escalator)上往相反方向走
13、用萤光笔(Highlighter)油指甲
14、下雨用伞，总是故意地转那把伞
15、对着镜子学跳舞／演戏／唱歌
16、在街上见到狗就扮猫叫，见到猫就扮狗吠
17、下雨的时候,拿起伞故意往雨大的地方走去 听雨啪啪的声音 感觉很爽
18、玩家电包装里的那张有很多泡泡的塑料膜,把泡泡一个一个按破

看完了这边文章，肯听让你笑着对自己讲当年有多傻。哈哈哈。

"放松一下，生活中18件傻傻的事情，你做过几件？我做过了15件"

Scams!!!!

Forwarded to me by a friend. Don't know it's truth, better to be cautious.

Beware of these scams in the market. Don't invest blindly and lose all your hard earned money.

Anything that is too easy to make money is usually a scam.

Read the following interesting collections and be forewarned.

Attached is a 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.

FOF Formula!!!!

1. Liquidity Ratio

• Current Ratio(in time): Current Assets / Current Liabilities
• Quick(Acid Test) Ratio: (Current Assets - Inventories) / Current Liabilities

2. Asset Management Ratios

• Inventory Turnover Ratio(in day): (Inventories /Sales or COGS)(365)
• Inventory Turnover Ratio(in time): Sales or COGS / Inventories
• Days Sales Outstanding: Receivables / (Annual Sales/365)
• Fixed Asset Turnover Ratio: Sales / Net Fixed Assets
• Total Asset Turnover Ratio: Sales / Total Assets

3.Debt Management Ratio

• Average Payment Period(in day): (Average Creditors / Purchase)(360)
• Debt Ratio(in %): (Total Debt / Total Assets)(100)

4.Profitability Ratio

• Gross Profit Margin(in %): (Gross Profit / Sales)(100)
• Net Profit Margin(in %): (Net Profit after Tax / Sales)(100)
• Basic Earning Power Ratio(in %): (EBIT / Total Assets)(100)
• Return on Assets(in %): (Net Income / Total Assets)(100)
• Return on Equity(in %): (Net Income / Common Equity)(100)

5.Market Value Ratios

• Earning per Share(in value, RM): Net income after tax and preference dividend / Number of Shares Outstanding
• Price / Earning Ratio(in Time): Market price per share / Earning per share
• Book Value per Share(in value, RM): Common Equity / Number of Share outstanding.
• Market / Book Ratio(in time): Market price per share / Book value per share

Simple Interest

1. S=P(i)(n)
2. Future Value=P(1+(i)(n))
3. Present Value=FV/(1+(i)(n))

Compound Interest

1. Future Value=PV(1+i)^n
2. Future Value=PR(FVIF i,n)
3. Present Value=FV/(1+i)^n
4. Present Value=FV(PVIF i,n)

Annuities

1. Ordinary
• Future Value=A([(1+i)^n-1]/i)
• Future Value=A(FVIFA i,n)
• Present Value=A[1-(1/(1+i)^n) / i]
• Present Value=A(PVIFA i,n)
2. Annuity
• Future Value=A[(1+i)^n-1]/i)(1+i)
• Future Value=A(FVIFA i,n)(1+i)
• Present Value=A[1-(1/(1+i)^n) / i](1+i)
• Present Value=A(PVIFA i,n)(1+i)

Perpetuities

1. PV=PP/i

Constant Growth Perpetuity

1. PV=[PP(1+g)] / (i-g)

Future Value and Nominal Annual Interest Rate

1. FV=PV(1+i/m)^mn      M=no. of compounding preiod per year

Present Value and Nominal Annual Interest Rate

1. PV=FV / (1+i/m)^mn      M=no. of compounding preiod per year

Effective Annual Interest Rate

1. (1 + Effective Annual Interest Rate) = (1+i/m)^m
2. Effective Annual Interest Rate(EFF %) = (1+i/m)^m -1

十句值得深思的话

1.没有一百分的另一半，只有五十分的两个人.
2.付出真心才会得到真心，却也可能伤到彻底，保持距离就能保护自己，却也注定永远寂寞！
3.通常愿意留下来跟你争吵的人，才是真正爱你的人.
4.有时候不是对方不在乎你，而是你把自己看得太重.
5.冷漠有时候并不是无情，只是一种避免被伤害的工具.
6.如果我们之间有1000步的距离，但你只要跨出第一步，我就会朝着你的方向在走完其余的999步.
7.为你的难过而快乐的是敌人，为你的快乐而快乐的是朋友，为你的难过而难过的就是那些该放进心里的人.
8.就算是believe字中间也藏了一个lie.
9.真正的好朋友，并不是在一起，就有聊不完的问题，而是在一起就算不讲话，也不会感到尴尬.
10.朋友就是看透了你，但还能接受你的人.

1 vs 8 TARC Fighter

那天班上的那些卡老不知道哪来的劲，突然想学人家拍戏！结果在MCC的情况下拍了这一部比Transformers还要仙家的短片^^