Archive for the ‘He says’ Category

Credit Card Fraud - it can happen to you ….

Wednesday, June 17th, 2009

This is something that we hear often enough in Malaysia who is No. 1 Credit Card fraud capital of the world.  We even export our “talent” overseas, all in the spirit of Malaysia Boleh!

With all that, I kept on thinking that it won’t happen to me one-lah!  No way!  But unfortunately it did.

One fine day, an officer of the Bank called me asking if my mom who is my supplementary card holder had spent at Carrefour and Petronas.  I quickly called her up and was told that she didn’t make those transactions.

When she checked her wallet, a credit card by the same bank was there but it was not hers.  It bear another person’s name.  When I checked with the Bank, they told me that the card was reported lost sometime ago.  Without her reading spectacles on, there’s no way she could identify that the card does not belong to her.  So, with her new card, I am going to make some marking somewhere so that it is easily identifyable but not to the extend of getting it rejected by merchant.

Next question is, who should bear the cost?  The Bank can push the blame to the card holder for negligence and not checking the card before placing it in the wallet.  Then I heard of a recent case of a Citibank credit card holder.  When Citibank insisted that the customer pay the full amount of the purchase, she took the matter to court.  In order to protect the consumers, clause 13.2 in Bank Negara’s guideline to banks states:

“The cardholder’s maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen.”

(Refer article : http://en.cap.org.my/index.php?option=com_content&task=view&id=218&Itemid=5)

Citibank lost and I heard was fined RM250,000 for breaching the guideline.  The Bank had insisted that customer had signed the T&C that they will be liable for the full charge or something like that.  However, no T&C or any kind of agreement is valid if it is in breach of guidelines provided.

It is good to know your rights but it is a mess having to make statements at the police station.

So, please be careful with your credit cards.  You never know what is going to happen next.  But should it still happen to you, just remember this guideline.

* Note: citation on recent case with Citibank is only a hearsay.  I can’t find it online to verify.

Close encounter with Ah Leng

Thursday, July 31st, 2008

I came home with a slight lower back pain yesterday and decided to look for a place to get a massage.  As it’s almost 8.30pm, we ruled out Times Square (the Thai massage there is quite good).  We drove around Taman Sri Sentosa (off Old Klang Road) and stumbled across a big sign board “Bali Touch - Beauty & Body Therapy Academy (Unisex)”.

The place looked a little dark (as with most massage parlour) but clean and pretty empty.  The price was reasonable.  Hence, the story began.  After changing to the shorts provided, in came Ah Leng.  An “akua” (transvestite) in “her” late 40’s with ultra short shorts and spaghetty strap top.  It was the normal massage but …. towards the end, the million dollar question came from her “Do you want …(with “her” gesturing a blow job) , only RM98“.  Oh Boy! What have I just got myself into?

Lucky thing “she” was not insistent.  Paid for the massage and left the place.

So, next time anyone looking for a place to get “that kind of service“, you may try this place in Taman Sri Sentosa.  For the rest, you’ve been warned.  Can you imagine if the place was raided last night while I was in there???  Geeezzzzz..

And I thought it will go on forever …

Sunday, May 11th, 2008

My old faithful car battery decided to give up on Mother’s Day.  It’s just a day shy from being under the bonnet for 4 years and 8 months!  That is more than twice the time that most standard lead acid battery can service on an auto car. 

It sure left with a memory.  Everything went awfully wrong tonight.  Every single traffic light we passed were red.  2 of the restaurants we wanted to have dinner at was having a wedding dinner and the other was closed.  Finally we went to Portugese Settlement (in Melaka) for seafood.  I had to leave everyone behind to order the food first and went home to switch car in case that I could not restart the engine once it’s parked.  Boy, was it packed in Portugese settlement.  It took an hour for the food to be served.  Right now feel like I am chilli overdosed :(

Inflation rate of 16%???

Tuesday, March 4th, 2008

Get used to this number.  In the recent Consumer Price Index (CPI) announcement in Singapore, CPI has risen by 6.6% between Jan 2007 and Jan 2008.  However, between Dec 2007 and Jan 2008, the increase was by 1.3%!  If prices continue to grow by 1.3% per month, the annual inflation rate in Singapore could be as high as 16.7%!!! 

With petrol price increase after the election, we can expect CPI increase in Malaysia too.  Although Bank Negara was quite confident that our economy is not directly impacted by the US economy and no change was made to our interest rate during their last meeting, will this situation last?  How long will it be before our interest rate is raised to curb inflation?  :-(

Election stories …. hidden facts & figures

Monday, March 3rd, 2008

A colleague forwarded the following article which I found “interesting”.  This is coming from an external view and it sounded logical enough to make sense.  I am not going to take sides online as I believe everyone should make their own mind on who they want to vote for.  Hopefully this will help anyone who is still “atas pagar” (neutral) to make up your mind on who they think should represent us for the next 4 years ;-)

Malaysia Needs a Strong Opposition

By Michael Backman
The Age
February 27, 2008

SHOULD Malaysians bother to vote? The corollary of this question is: does the Malaysian Government deserve to be re-elected? The answer to the second question is no.

In the past few years, the Malaysian Government has presided over an extraordinary number of scandals that are appalling by any standards: the trade minister’s allocation of car import permits to friends, relatives and supporters; the billion-dollar fraud at the Port Klang Free Trade Zone; the outrageous and much-flaunted wealth of ruling party politician Zakaria Md Deros; the claims that a High Court judge allowed the lawyer representing a rich businessman to write for him his judgement in a defamation lawsuit; an immensely rich chief minister in Sarawak state who is allowed to rule as if it were his; and so on.

The Malaysian Government richly deserves to pay for all of this at the ballot box.

So the next question is: should the Malaysian Opposition be elected to office? Again, the answer is no.

The Opposition is a shambolic assortment of the disaffected rather than a competent, alternative government. In no way is it ready to govern.

All these questions are pertinent because Prime Minister Abdullah Badawi has called elections for March 8.

Elections are fought tenaciously in Malaysia as if the South-East Asian country is a fully fledged democracy. But it isn’t. It is democratic in that elections are held, but they are not fair. The ruling coalition has been in power in one form or another since independence 50 years ago. One reason for this longevity is that there are legal and institutional biases that favour the Government.

Malaysian electorates are severely malapportioned. The smallest electorates are rural; the largest are metropolitan. The largest have about six times the number of registered voters as the smallest. This means that the votes of those in the smallest seats count for many times those in the larger seats.

This sort of bias meant, for example, that in the last general elections held in 2004, the ruling coalition won 198 or 91% of the parliamentary seats with just 64% of the votes cast. The Opposition won only 21 seats or 9.6% of the seats compared with 36% of the popular vote.

Had the Parliament reflected voters’ actual voting intentions, there would have been 79 rather than 21 Opposition members elected.

Outright fraud is another way in which Malaysians are cheated when they vote. Tens of thousands of dead people are believed to have voted in the 2004 elections. Exit polling is difficult, but it is assumed that these voters overwhelmingly favoured the Government. Credit must be given when it is due — the Government did eventually remove hundreds of thousands of deceased voters from the electoral roles. But the damage had been done.

Also at the last elections, thousands of Malaysians who turned up on polling day found that the electorates in which they were registered had been changed without their permission or knowledge. Thousands of voters were shifted into Opposition-held or marginal electorates. Absurdly, even family members living in the same house discovered that they had been registered in different electorates. Most Malaysians do vote for the ruling coalition, so the effect of this was to swamp the votes for the Opposition.

Multiple voting is another problem. Indelible ink is used to mark voters when they vote, but it is not compulsory.

Next month’s election is being held a year early. Why? One reason is because Anwar Ibrahim, who was deputy prime minister until he was charged and convicted of corruption and sodomy in the late 1990s, will only be eligible to stand for election after April 8 because of the convictions. The sodomy convictions were overturned because of uncertainty about the dates on which the alleged acts were supposed to have occurred, but the corruption verdict stood.

Anwar is unfit to hold public office, regardless of the Government’s manoeuvring against him. The sodomy issue is irrelevant. The serious charges against him are the corruption charges, which relate to Anwar asking the police to heavy two witnesses into withdrawing their statements against him. On this, Anwar was convicted with irrefutable evidence.

That the deputy prime minister of any country should do such a thing is unforgivable and yet Anwar has his backers, mostly in the Western media.

Most Malaysians found his criticisms of their Government shortly after he was removed from office to be transparently opportunistic, given that he had been a senior minister in the Government for 15 years. But while Anwar is more popular outside Malaysia than inside, he is still a rallying figure for the discontented.

So what should Malaysians do? Firstly, in a country where voting is not compulsory, they should vote. There’s no point complaining on internet blogs but not bothering to vote.

Given the Opposition’s unpreparedness to govern, the Malaysian Government is best returned. But it does deserve a good, hard kick. Even more, it needs a significant and strong Opposition to help it govern better. It needs greater accountability and scrutiny, which a strong Opposition in Parliament will help provide. That is what good governments everywhere have and need.

Of course, tiny Singapore is an exception but Singapore is a country in name only. The reality is that the Singapore Government is a glorified city council.

Malaysia, on the other hand, is a diverse and complex country that wants to be modern. It needs to be governed like one.

Election - do you know where to go?

Sunday, February 17th, 2008

8 March 2008!

The election is finally here … but do you know where you’re supposed to go? SPR (Election Commission) has prepared 2 sites where you could check your polling station. Just click on either one of the links below and enter your new or old IC numbers to check.

SPR Server 1
SPR Server 2

Alternatively, you can send an SMS via your mobile phone (Maxis, Celcom or DiGi):

SPR<space>IC Number

e.g. SPR 510102141234

and send to 39111 OR 33626 OR 33333 OR 32232

But if you have not registered or don’t think it’s worth the hassle to cast your vote on the 8th … have fun watching the news ;-)

Rising Cost of Living

Tuesday, February 12th, 2008

The Star today published our concerns on escalating cost of living, crime rate and other issues. Kudos to them. However, you don’t need a poll to tell what is going on. The official figures shared by Central Bank often quote 1.9% or 2.0% as the inflation rate. On average perhaps, but not for the things we used most often.

Item

2004

2008

If only inflation is 2% per year we would pay

Actual average annual inflation rate

Petrol 1.35 1.92 1.46 10.5%
Yong Tau Foo 0.50 0.80 0.54 15.0%
Roti Canai 0.60 0.80 0.65 8.3%
Kesas Toll 1.50 2.20 1.62 11.7%
LDP Toll 1.00 1.60 1.08 15.0%

In addition to price increase, the things that are often overlooked when considering inflation of food are the quality and quantity. Inflation for cooked food is probably the highest in cities like KL. In 2004, I could get a plate of Char Kuay Teow with 3 medium prawns for RM2.00. Today, the price has been increased to RM3.50 and the 3 medium prawns cut down to 2 small prawns. The portion is also smaller.

Just look at our KFC chicken. Are they serving underaged chicken? Last I heard the chickens are only 27 days old!  Anyway, the chickens sold in market are usually only 35 days old but that is a good 30% older :-)

We can claim that goods in Malaysia are comparatively cheaper when compared to Singapore, Australia, US, etc but they are fast becoming less affordable. :-(

Car jack on Kesas

Thursday, January 24th, 2008

A colleague shared that her brother’s 2 days old Toyota Camry was hijacked on Kesas highway yesterday.  The hijackers bumped into his car and naturally one would come down to see the damage.  He was held at knife point by 3 guys and releaved of his car.  The hijackers were driving a Honda (didn’t ask what make).

Lucky for him, he was left by the road side unharmed.  To make things worst, no one came to his aid nor stop when he hailed.  He was forced to walk all the way to Summit.

 Moral of the story, be careful when you meet an accident.  This modus operandi is not new.  Try to take note of the number plate of the car, model and colour and the time of the accident.  Then drive slowly to a populated area like petrol station or highway R&R to negotiate.  If the other car dissappears from sight, you can go to the nearest police station to make a report of the incident.  And this is the time one would wish that they had installed a satellite tracking device on their car.

To recycle or not to recycle

Wednesday, January 23rd, 2008

Ikano Power Centre is nice enough to prepare these 3 bins in every corner of the store. Blue for plastic, Green for paper and Black for other trash.  But are the shoppers ready and willing to spend a couple seconds more to consider which bin to use?  Well, for some, it’s just too much to ask … sigh!

Recycling bin

Hukum DM

Monday, January 7th, 2008

I was in Melaka over the weekend and spot the welcome sign below:

Road sign in Melaka

The English translation at the bottom was derived directly from the BM version. It just reminded me of my BM teacher, Mr Tan who thought us “Hukum DM“. It simply means “Diterangkan” & “Menerangkan” (Being Described & Describing It). BM is on the reverse of English as far as “Hukum DM” is concerned. What am I rambling about?

eg. Kereta Biru

Kereta - Diterangkan (the object that is being described)
Biru - Menerangkan (detail that describes the object/car)

Hence, in English, we need to translate and reverse the order to “Blue Car“. Other examples:

Kucing Gemuk = Fat Cat
Rumah Besar = Big House
Orang Gila = Crazy Person

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