Ethics

Some people might be surprised when I did not want to reply greetings from a banker when I closed my banking account in a bank (no need to mention here) because I believe the CEO of the Bank also was not interested to solve OTP codes which was sent to a different phone number when I was applying for SOCAR or GOCAR rental car service. 

The app needs a debit card to be attached as payment for the car rental. But both the Bank and the app operator did not have solutions for that matter. So obviously there is no need for me to have a banking account with any bank that does not support my needs to have a car that I can drive.

So, my behaviour was rude in the eyes of the bastard bankers. The bankers are the most polite clans of people if you guys do not know about this. You must be super-polite and in good manners when dealing with bankers. 

Bastards are they who confiscated the car that I needed the most. Even if he/she is the Governor of the Central Bank. 

My ig account has been disabled in part due to reports made by bastards and their cronies.

During this pandemic now we can see the hike in delivery fees. 

The price of a piece roti canai has increased to RM2.50 and the delivery is RM7.99 for instance.

Is this called to serve the rakyat? They striked a balance to feed the customers and pay the riders and the delivery operators company (including the app founder).

This is what they called business in their own terms. What they forgo is the prices for foods named Giffen Foods. 

Ready made foods and fast foods are meant to be manipulated as business deals for them all (no added values along the chains + inflations + not healthy foods due to processed foods and too much use of MSGs and additives).

What kind of business are they doing when the corporate office rental the delivery operators have to pay amounts to more than RM10,000 per month (including commissions to brokers who do not want to be in the picture). 

I am very cynical about how people rephrase their mindsets about foods. ‘Once upon a time’, hoteliers sell a plate of Kungfu/ Cantonese Mee at RM21.90. And the chef got paid RM10,000/- per month. 

What kind of business are they preaching during the past 3 decades? 

...

 As as to date:

1. My ig account has been disabled in part - I cannot post any comments and contents.

 

2. Previously, there was someone who wrote in ig that my comments contained "ayat2 merentan dan merajuk macam perempuan" when I commented about vaccines. So please read my rebuttal at my bio in my ig account. Obviously I am against all sluts and bitches especially those who confiscated the car that I needed the most even one of them was the shadow Chairman of Banks or Telcos. 

3. I am against CTOS, public transport & e-hailing. 

Banking Baskets & Koperasi Turbulence

1. It is a big mistake for the Government to depend on the Banks either on mainstream or unscrupulous money lenders in the process to assist the rakyat who really need financial assistance in times of needs. 

2.Yes, a banker is the man who loans you an umbrella when the weather is fair and takes its away when it rains. The syllogical conditions effectively pronounced when money is channeled towards them. Their objective is profit making and nothing in their Constitution which states that their existence is for  the welfare or for assisting the rakyat when they really need it the most. 

3. The Chairman and CEO of Banks also do not even know what is the procedure to close banking account in a different branch or in a different state (SOP in black & white) . What more to iterate concerning kereta sambung bayar which make up a large portion of car markets in the “non-SOP” compliance.

4. To ask the Banks and Ahlong Berlesen & Tak Berlesen to help the people is a big mistake. When their flesh and bloods are money, surely they cannot live without money and manipulating money is their expertise. A banker told me if I were to close my saving account in a particular bank, I do not have to close it, it will be closed by itself. Is it like keeping a cat in a room and let it die naturally, just like that?

5. So with moratorium and financial assistance to those rakyat who are really in need. Conventionally they would love to chase away occupants from their homes and re-possess cars haphazardly, at their whims and fancy. This is due to their money-blood-and-flesh which has been ingrained in their very existence. 

6. It reminds me of a big ship. Who is the Captain of the Bank and branches underneath it? Towards which directions they spearhead their Managers and staff to? Either to impoverish the clients or to enrich themselves?

7. And the politicians are chanting the slogans of “Negara Berkebajikan”, “1Malaysia”, “Malaysian ‘Singaporean’ Malaysia”, “Malaysian DAP Malaysia”, “Malaysian Malaysia (PH Style), “Muda” (kepala hotak dia) and worse “Republic of Malaysia”.

8. When I asked in the socmed where is the money in Tabung Harapan and RM300,000 given to each Member of Parliament (to whose account the money is deposited), nobody gave me exact answer. Obviously they are working on the money without SOPs. 

9. And there is one co-operative bank which demands a lender to open a saving account in order to get moratorium. The Bank has no SOP too on how to differentiate between loan and "non-loan" loan.

10. We are living with all sorts of turbulences made by those who are monitoring money flows and who are enriching themselves. For e.g driving a car or possessing a sambung bayar car in order not to pay initial interests and they trade the car belonging to others in view of profits (to the expense of the owners who really need a car but have been scammed). 

Vaccinated Citizens

1.     It is high time for the manufacturers of all approved vaccines to expedite the process of making them, distributing them and assuring the best vaccines for the people since many countries are bound to be static - due to physical movement control order, affecting the ways people live and work.   

2.        No longer we hear that people need luxurious things and gadgets. Information from socmed reveal inter alia, besides having to adhere to regulated SOPs people need to follow while shopping physically and visiting workplaces, netizens in particular lambasted the government and their agencies who were too slow to respond to the needs of the people suffering from MCO - not so much about that they cannot move here and there, but it is more to furious effects resulting from sudden break in business deals and distruption in income flows (excluding those unscrupulous Ahlong Berlesen & without licence).

3.        Malaysia is not like USA whereby the latter has got Unemployment Benefits to offer to those who are unemployed. Malaysians do not beg for money and do not ask from the Government (the way bastard bankers and Ahlong Berlesen and without license asking money from their clients) by giving pressures to the authorities when it comes to demanding for financial aids. 

4.        The current pandemic we are all facing has made more people aware about the need for basic necessities and the Maslow Pyramid concept. Malaysia has got its slogan for "Negara Berkebajikan" (Welfare Society) before the Sixth Prime Minister was sworn in office. Still, the Negara Berkebajikan has the essence of "materialistic" and "dollar signs" when people who really need cheaper homes and cheaper and higher quality cars are sidelined and sometimes forced to use public transports and e-hailings. 

5.        What we hear now is the motions to convene the Parliament sittings. Those politicians are under the pressure from the shadow Bankers and their associates who are hungry for money and wealth  and when they die, they must bury together all their wealth and properties including their maids (as found in ancient Chinese Dynasty era). It seems to me that the vaccines are made from the chairs in Parliament. 

6.        Still, there is no mention about Policy for Cheaper and Higher Quality Cars - which can be driven. Please, no to public transport and e-hailing.        

7.        What? Copywriting? Ah you can see many online businesspeople are struggling to sell their products and services due to MCO and duplicate online business where people cut and paste words from their peers and agents in view of luring customers through online searches. 

8.      My proposal is that as the Negara Berkebajikan is still echoing, it is better for people to be given basic needs so they can cook and enjoy healthy foods (without additives or MSG or whatever you can imagine). Food constitutes to large portion of expenses after stupid housing loans (and thus rentals).

9.    Well, I know any Prime Minister (and those who have been PM many times) would like to read my articles, at least at a glance because he is also eating unhealthy foods all this while (for example sambal (you can find all sorts of sambals in Insta and FB) or ready made foods like cakes and delicacies bought from sellers online and vegetables and fruits which have been sprayed with substantial amount of pesticides and/or preservatives).

10. Is a Ferrari your basic needs or is a Jaguar your basic pride (still cannot get the numbers to become PM). Some people are worried too much about their rental incomes. Surely people need to be vaccinated against all odds and materialistic world diseases - including those who are too adamant to become PM, notwithstanding anything what's going to happen.

Bekas Perdana Menteri yang menjijikkan "dedak".

Mungkin untuk Menteri2 dan mereka2 yang belajar di Oxford University, Harvard University atau lulusan luar negara, mereka tidak perlulah disuapkan dengan artikel yang menggunakan Bahasa Inggeris sangat kerana mereka langsung tidak mengendahkan matlamat asal Subsidi Upah yang diperkenalkan bermula dari PKP 1.0 awal pada Mac 2020.

Di Amerika Syarikat (yang berstatus negara maju), negara Uncle Sam itu terus membantu rakyatnya dan bantuan itu tidak dipanggil dedak (kaedah Unemployment Benefits) kepada mereka2 yang tidak bekerja atau diberhentikan kerja oleh majikan2 mereka secara halus atau secara kasar. 

Di Malaysia (yang berstatus negara yang tak tau ke mana perginya Jho Low dan pink diamond) masih lagi PM & kunco mereka tidak fasih tentang majikan2 yang berselindung di sebalik momokan “no work no salary” dan i-sinar yang diperkenalkan oleh agensi yang tidak pernah faham tentang betapa pentingnya rumah murah bertanah (landed properties) dan kereta yang murah & berkualiti kepada rakyatnya yang telah sekian lama dijadikan hamba abdi kepada pihak Bank & kunco2 bangsat mereka membayar faedah pinjaman dan pinjaman yang membebankan selama hidup mereka.

Orang yang tidak bekerja dikatakan malas. Orang yang diberi bantuan BR1M dsbnya dikatakan memakan dedak.

Apabila saya minta kereta yang murah dan berkualiti dengan cara menulis surat kepada pihak Bank, kereta yang saya sangat2 perlukan ditarik secara sial dan keparat. 

Adakah kita perlu lagi kepada Menteri2 dan mereka2 yang bergraduasi di England dan luar negara semata2 untuk  propaganda menampakkan yang rakyat kita semua ini malas dan hanya perlukan bantuan dedak seperti yang dikatakan oleh Mantan PM dahulu dan kunco2nya?

Sehingga kini dilaporkan hampir 800,000 orang kehilangan kerja dan mengganggur di media sosial akibat pandemik Covid-19 - Tapi tak semua orang dapat Subsidi Upah yang sangat2 diperlukannya. 

Apabila tukang tarik kereta datang tarik kereta, secara automatik pemilik kereta hilang kelayakan untuk mendapatkan kereta itu apalagi untuk membuat pinjaman lain untuk kereta yang sangat2 diperlukannya.

Sudah jelas kita tak perlukan Gabenor Bank atau Perdana Menteri yang bergraduasi dari luar negara. Kerana setelah hampir 2 tahun ini, orang yang betul2 susah memerlukan kereta yang sangat2 diperlukannnya dipaksa secara halus naik Grabcar atau e-hailing dan public transport yang lain. 

Sebagaimana jijiknya artikel2 yang dikarang oleh Tun M mengecam DS Najib dalam blognya, semakin jijik pulak kita boleh lihat kereta Proton dan buatan Malaysia yang lain yang melingkar atas jalan raya kita - sama jijik dengan dedak yang disuapkan oleh malaun2 bangsat yang memilih bulu mengikut selera mereka siapa yang mereka hendak beri mengikut acuan mereka.

BLOOD-SUCKING LANDED PROPERTY PRICES

You may view through mudah.my or other online platforms the prices of landed properties such as single storey terrace houses or semi-D houses, either new or second hand properties - unimaginable and too high for buyers and for current owners, if they are tied with the bank loans, they cannot in any way re-finance their houses due to households’ decreasing income and the new incoming buyers also would never be able to get the loan approved during this credit and coronavirus pandemic. 

I term this situation as deadlock in property markets. All this while, bankers would definitely hire people to chase away clients who cannot service their loans on time and they are willing to exercise auctions so that the occupants would be thrown away somewhere else and they are happy if the properties are sold to new buyers (even at lower than market values) because this is one of their unscrupuluos insane ways to enrich the bankers and to “punish” the previous owners who do not have money to repay their loans.

During this pandemic now, there is no mention about reducing the prices of market values of properties - these annoying and bastard bankers and their associates do not have the heart to ask the Real Estate Agencies and their gangs to reduce the prices of house and to look for people who really need cheaper prices of houses and hence - reduced monthly repayment for their houses. No mention about this in the Banks’ Corporate Social Responsibility Statements (CSR). Yes, what they do best is to defer the loan repayments - in terms of loan moratorium the period of which they themselves do not know the length at which the moratorium would end. They have set their minds that the loans should be indefinite so that their businesses could run until the end of time.

Many people are losing income more than 75% during this pandemic, the irony is that why the market values of the houses do not decrease - as the law of demand and supply dictates?

The prices of landed properties and high-rise units also do not correspond to the actual market value and the purchasing power parity of the rakyat. 

And yet, the bankers and the politicians are also in a more DEADLOCK situation whether to chase away their rakyat who cannot repay for their stupid bank loans or to let them deported to other places (which landed properties more suitable for the NPL owners of houses?)

More properties are unsold hitherto, worth billions of Ringgit. They still hungry like hell to build more high-end condos or properties - but for whom? Ghosts they have been creating from the Independence since 1957?

And in every festival, those bankers and politicians always wish each other and makan besar (dinner) to celebrate their festivals. Without understanding how important it is for a rakyat to have a home, without any encumbrances (i.e. stupid and bastard bankers, filthy Along Berlesen or without licence and the worst, bloodsuckers).

1 Malaysia, One Malaysia or Malaysian Malaysia? You name them - materialistic and "negara berkebajikan" like hooligans if they wish to oblige. 

Makan Besar Dinner

Major festivals are around the corner, but the pandemic of this millennium coronavirus has not in any way decrease in numbers and the patterns seem to be worrying as far as the authenticity, accessibility and effectiveness of the vaccines are concerned.

No matter how hard they try to contain the spread of this virus, there are people who never want to do away with all types of gatherings so much so the dinner or makan besar must be orderly organised even during the Emergency. As if, there is a need to makan besar more than to adhere to the emergent need of containing the pandemic at the grassroot levels. 

I have been asking politicians and bankers since last year, why Ahlong Berlesen and without licence hold debit cards of their clients in the most unscrupulous ways? This strong statement is extremely undeniably what they portray in their dictatorship way of giving out loans to suffering clients - who need to pay crazy-bastard interests and repayments plus controlling interests to the loan providers. 

We do not care more of many people cannot go up to Genting Highlands to play games or casinos during festivities. How many more people need to gain money out of loans given by Ahlong Berlesen or without licence? 

During this makan besar, people can reflect, how much actually is the amount of money circulating in the public who depend their lives entirely on this type of credit businesses? 

We probably do not need to have more credits to boast or please people who are already suffering from the "barbaric credit and loans pandemic" which they need to explain in details during makan besar why many people are so much stressed out and fell indebted unnecessarily and worst, endlessly? 

That coronavirus - not everyone has clear knowledge about its origin and mutations. 

But that Ahlong Berlesen & with no license - they know who are those behind the "credit pandemic". But they still have the heart to makan besar to the expense of those who are not eager to makan besar due to absolute reliance to unhealthy credits to earn a living. 

Both are not incompatible, when the taste of your foods collide.