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. 

Deactivate Twitter acc

I have terminated my Twitter acc since nobody ever replied to me on how to get a car that I can drive without any encumbrances. Even in WhatsApp people communicated to me like nuisance. 

Whether they are politicians, bankers or telco operators, they are similar to bastards as they seem to be. 

Let them become as what they wish: morons. 

Rogue E-wallets

The influx on e-wallet applications in the mobile smartphones & tablets / laptops etc have made things gone too easy for people to reload their e-wallets (as compared to physical wallets where they hold cash therein). Nothing can make e-wallets exactly the same as the hard copy version (actual wallet) whereby the hard cash money is being converted into digital money in the app.

I am writing this article because the impact of the use of the e-wallets have not reached the significant intention of their invention due to several reasons, one of which is that NOT many services accept the use of e-wallets in its first interval such as car rental service (like SOCAR, GOCAR, KLEZCAR etc.) should the first registration of debit card/ credit card fail from the outset. The use of these e-wallets have not helped at all for instance a user who needs to rent a car, because he is being denied entry to the car rental application due to OTP numbers which are sent to different telephone numbers by the "hacked system", or in some cases the banks do not accept the debit cards / credit cards held by the users due to “internal reasons” like users are being blacklisted by Telcos or banks’ associates or even bastard bill collection agencies. 

It is seen as a way that bankers and the monetary regulatory bodies wish to do away with hard cash transactions and people are directed in silent and bit by bit to familiarise with the use of e-wallet or digital money transactions by way of smartphone affiliated functions. 

Most of the times people are required to register and top up/ reload e-wallets via banking deposit into the e-wallets with certain terms and conditions. The question is: how safe the personal data of users in the hands of those operators? People are lured to have access to e-wallets just to get easy money aid like e-Penjana or other monetary gains which they thought they could reap by entering the “digital gateway”.

So the valid reasons to have access to e-wallets are not strong for users because they just follow what the banks and their “gangster” agencies dictate them to do so. We can see that some of the car rental applications for instance do not really helpful when a user is having problem with the registration of debit card to use the car service. Client is left hanging and nobody seems to be contacting the user who really needs the car for rental. Worse, the data like personal details and licence have been collected by the app operator with selfie photo or video, the security and safety of those information is now being questioned in the hands of the operators.

The exposure of those data and information in the hands of third parties are too alarming and this will involve trust issues as much as authenticity of the operators who are seen as “invisible hands” which may have hidden agenda of their existence. 

In another dimension, we can see that many people old and young who are not computer or IT savvy, would definitely surrender the use of the e-wallets to the ones closest to them like their immediate family members or friends or office colleagues and dictated by them in the use of the e-wallets on their behalf. Absolutely their personal details and information and app are at jeopardy. Do not be surprise that some of them do not even know that they have e-wallets in their names and ID.

The use of e-wallets must always be made by the actual owners, and must not be under the pressure or intimidation or under duress or by any dictate of others - at all.

Smartphones are not always SMART. Like WhatsApp and social media applications which are vulnerable to third party intrusions and manipulations. Nobody knows for example who operates the WhatsApp number on the other side when someone sends his details like ID and Driving Licence photos to Car Rental Service Provider’s telephone numbers found in Instagram or other social media.

The above is very dangerous because the regulatory regarding the car rental service is inexistent as far as the use of unregistered cars for car rental services are concerned. A person who really needs to have access to a car has not been helped wisely.

The use of e-wallets for payments in shopping malls and shops or even online services, have gone too far routed like users are being offered points when they spend - the more they spend, the more points they will gain. Those points may be used to enter into “contest” by spending some of the points users collected to qualify themselves to WIN a car, smartphones or whatever BAITS the operators wish to give away. Some of the points can also be used to pay via online equivalent to monetary value. For e.g. 100 points = 10sen etc.

The addiction to top up/ reload and spend via e-wallets have not in actual sense given the right direction of the use of e-wallets in the first place. Users use e-wallets just because they are LURED by materialistic gains out of the points (which are fake and non-inclusive i.e not everyone will win an iPhone 12 or that horrible local made cars which are the brainchild of the previous Prime Minister and the gang). The points will be lost even they do not win anything.

I do not see any advantage in using those e-wallets other than to get e-Penjana e-wallet free RM50 or maybe RM100 food basket - only following the directives of the Ministry of Finance to do so.

When I needed a car, not even an app is being created - what we have now is just the products of ancillary financial services operated by hooligan bankers and their bastard associates. 

People must remember, the e-wallets are just apps to spend. They are not apps to make you feel secure and to give you the car that you really need to most. The mainstream banks are just like leeches as they are always meant to be. 

To sum up, there are people who are too IT-expert whether they are politicians, bastard bankers and associates or car dealers etc. They got what they need - data and information of all people they need to keep for themselves.

Hitherto, I do not have access to a car that I really need.

I need a car, I do not need moron bankers, car dealers or Telcos. 

STREAMLINE JOB BANKS

People who are looking for jobs do not really see the clarity when filling up the application forms.They are initially marketing themselves in terms of their resume/ cv which contain their personal details and important contact details by the employers.

Of late, the use of Whatsapp and other social media applications have made it even easier for the applicants to apply for jobs. But the question is how safe the data and personal contacts are in the hands of the apps operators and employers?

The applicants do not need to fill up so many forms actually but the company policies and the agency services dictate them to do so, failing which their applications will never be processed.

To apply online is one of the favourite methods to majority of employers nowadays. They would have access to the resume banks of all the applicants. The question is how the applicants may contact the Employer and vice versa.

The advent of bill collection agencies “off-side” of the banking systems and intelligence units assigned by the banking system and their associates have made it even harder for the applicants to apply for jobs they really hopeful for. 

Therefore there is a need for the Government to centralise the companies dealing with bill collections because they are seriously uncontrollable and in most cases they can do anything like intruding the privacy of people in the workplace and making cold calls and becoming scammers in the name of bill collectors. 

The credit agencies also are at risk because they are buying and selling (trading) credit records and personal details which are private and confidential. When those records fall to the wrong organisations, the detrimental effects would be catastrophic.

The RESUME/ CV BANK that we have now is being managed by many companies (registered and not registered) which do not even stand strong in their security and financial management too. They just want to recoup any commissions or profits from those resume banks. 

It is vital for the government agencies and also companies to streamline a standardised resume/ cv bank because we do not want the database containing details of all applicants to be manipulated by unscrupulous parties especially bastard bankers and Telcos which have already in the last decade contributed to severe effects to the public at large such as irresponsible re-possession of cars and looting of properties.

There are occasions of unreported assaults made by the bill collectors and intrusions to the personal property and also manipulation of assets such as cars belonging to people who are really in need of cars. 

Bastard scammers are everywhere. But what have we done to combat those bastards? Ah Long Berlesen now has got new name like Perkhidmatan Kredit Komuniti which is actually a facade to a more subtle name for them and you can see how they threaten their clients like holding their debit card and threatening the lives of the borrowers who are already in difficulties when they have to re-pay annoying and bloodsucking interests.

The mainstream banks are silent regarding this because they themselves are like leeches sometimes, for e.g charging extravagant monthly financial charges to credit card loans. And they claim themselves as the hero in corporate social responsibility (CSR) statements and some of them sponsored porridge (bubur lambuk) during the month of Ramadhan - ironic as it seems to be.

To apply for a job nowadays, one has to get the blessing from one of those bastard banks and scammers. This must stop because nobody wants to be indebted on daily basis out of his/ her difficulties. Without a synchronised system of transparency and trustworthy in the banking system and combatting those bastard bill collectors, nobody will gain anything.

HORRIBLE INTERNET PURCHASE

Banking system should be more easily accessible and user friendly to the users and clients - not for those bastard bankers and scammers.

I tried to subscribe to Socar and Gocar app to rent a car, but the app requested me my debit card details, the OTP of which was sent to the mobile number not registered to my internet banking account I am currently using.

Those bankers would always ask me to call the customer service line to activate the internet purchase using the card, but one of the banks when I called, the customer service number was like a robotic experimental bastard so to speak.

Why in the first place they need credit card or debit card details of a subscriber who needs to rent a car? Like bastard bankers and their associates who confiscated (rather than re-possessed cars) like hooligans and psychotic mutant bastards, nobody is aware that I needed the car, and if they knew it, they must have prepared so that I faced all the difficulties of not having a car or having access to a car.

Like I said before, even when the Prime Minister or the Governor of the Central Bank tries to call me, I will never trust them. I need a car, seriously I do not need bastards.