Little bit about everything..

Corporate Fraud

2011-03-24T10:40:00.000-07:00

Some of you might have heard of the Enron's case which had bring a lot of misfortunes to the people preferably the shareholders and their employees terminated from work. The company were once one of the top company in America and was in NYSE; had collapsed and liquidated so sudden that it shocked the industry. Manipulation of the accounts by the directors and some misappropriation of assets were the cause of such problems. Business complexity had caused the directors in modifying its accounts to show favorable amounts in their financial reports.However, the actions had become a habit and had caused the accumulation of debt in the company. There are also conspiracies involving their external auditor at that time, Arthur Andersen which do not portrait-ed their work in proper due care. Accounting profession had gone blunder as people started to question on the reliability and trustworthiness of accountants in performing their work.

Most important criteria in solving the above case actually lies within the company itself where the directors should become more ethical in performing their duties. More holistic approach should be done where the directors should be educated more in ethical behavior as to prevent the problem of self interest.

Jessica Alba in 'Little Fockers',..=)

2011-03-24T10:23:00.000-07:00

She's one of my favourite actresses. These clips are taken from her latest movie 'Little Fockers'. A very funny movie and enjoyable because of Jessica Alba.muahaha.. ;D

She's hot, pretty, cute and has a very beautiful smile. what a dream girl..
Heheh,,;)

Jailbreak succeded..

2011-03-08T00:23:00.001-08:00

Jailbreak gives you the privileged in installing ur favourite apps into ur Iphone and Ipod for free. Recently I hv tried jailbreak-ing my friends ipod touch firmware 4.1 using greenpoison (www.greenpoison.com). Download the software through the website and install it into your computer. Firstly, u hv to connect your ipod/iphone to the computer. Open greenpoison and follow the simple steps guiding u throughout the process. Jailbreak was never been so easyy~~ ^^

Make sure that the cydia can be loaded after all the jailbreak. If there is a problem in loading cydia , use redsnow to install cydia . After cydia was installed, download 'Installous'. This app will help you in downloading other apps that u required. First open cydia then go to > search tab> write http://cydia.hackulo.us/ >click enter> go to manage tab> hackulo > install Appsync for 4.0+,hackolus resource, Hackolus Security and Installous 4 ( ignored if already installed).

And after that, U can use Installous and install any apps to ur liking. =)
Enjoy..

Seoul trip~~

2011-01-19T09:46:00.000-08:00

Last year, I went to Seoul for a family trip. It was a very exciting trip because I am able to play with snow for the first time. ;) haha.. I sounded like an adolescent kid. The trip was for 5 days from 25~30 December. It was very cold because of the winter season and sometimes the temperature even reaches below -15 Celsius. Wow.. it is even colder than my refrigerator and air conditioner at home. hAHA... ;p. Despite the coldness and my lip drying up because of the dryness, I love Korea very much. It is a very beautiful country with a lot of beautiful people especially girlsss. ;p Definitely going there again if I have a chance but next time maybe will be going during the summer season.

Linguistics Part 1

2010-12-04T06:46:00.000-08:00

It never hurts to learn something new everyday. Today I had learned korean language alphabet also known as 'hangul'. I found it rather amusing and easy to understand the characters. Here are some of the characters (consonants):

Alphabet	English Equivalent	Extra Points	Examples

ㄱ	An unaspirated ‘k’ at the beginning of a word, and a ‘g’ most of the time in the middle of words.	By unaspirated, I mean that it’s not pronounced very hard, like the English ‘k’.	가! – ka – "Go!"
ㄴ	‘n’	Made by almost biting on the tongue at the ends of words, and by placing the tongue behind the top teeth otherwise.	나 – na – "I"
ㄷ	Like, ㄱ, this consonant is like the unaspirated ‘t’ in English. It is a ‘d’ in the middle of words.		다 – ta – "all"
ㄹ	A mixture between the English ‘r’ and ‘l’. When between vowels, it is like a single rolled Spanish ‘r’ or like the ‘tt’ in ‘butter’ in some American dialects. If there are two of them together, it becomes a solid ‘l’.		가라! – ka-ra – "Go!" 달리 – tal-li – "differently"
ㅁ	‘m’		마음 – ma-ŭm – "heart"
ㅂ	An unaspirated ‘p’ at the beginning of words, and a ‘b’ in the middle of words.		반 – pan – "half"
ㅅ	‘s’	When coming before the "ee" sound, it becomes an ‘sh’.	산 – san – "mountain" 시 – shi – "poem"
ㅇ	In the bottom of syllables, this character is like the English ‘ng’ without the ‘g’ sound. At the beginning of syllables, this character is just a place marker and has no sound.		잉어 – ing-ŏ – "carp" 영어 – yŏng-ŏ – "English"
ㅈ	Unaspirated ‘ch’ at the beginning of words, ‘j’ inside words.		자 – cha – ruler 자자 – cha-ja – "Let’s sleep"
ㅊ	Strongly aspirated ‘ch’.		차 – ch’a – "car"
ㅋ	Strongly aspirated ‘k’.		카페 – k’a-pe – "Café"
ㅌ	Strongly aspirated ‘t’.		탄내 – t’an-nae – "burnt smell"
ㅍ	Strongly aspirated ‘p’.		패 – p’ae – "medal"
ㅎ	‘h’	Almost silent after ㄴ, ㅁ, ㅇ, between vowels. When it comes before or followsㄱ, ㄷ,ㅂ, or ㅈ, it makes the consonants aspirated: ㅋ, ㅌ,ㅍ, ㅊ respectively.	해 – hae – "sun"

I remembered only one or two characters by now but I hope I could master it someday. FIGHTING!! =D

The table above are taken from http://www.linguanaut.com/korean_alphabet.htm

Dee-lightful

2010-11-24T05:48:00.001-08:00

YOONA (SNSD)

There are tons of things that could get me excited such as writing blogs, watch movies with friends and family, eat and having a goodnight sleep.. that's sounds easy. haha..
All of this would be very delightful as like Barney in HIMYM would say but the problem of insufficient of funds had caused me to sit at home in the state of boringness(not sure its the correct word but hopefully you understand;P). Browsing the internet could be a lot of fun as you can connect with your friends through facebook and others social network sites. Other than that, I could watched SNSD yoona's picture.muahahaha..

Cool sites for addicted downloaders

2010-11-24T05:42:00.000-08:00

These are the cool download sites are always go to. Files included like movies, television series, program and others.

1) www.theamh.blogspot.com

2)www.downloadbox.org

3)www.urgrove.com

4)www.oneddl.com

enjoy 'kaki' downloaders..yehaaaaaaaa!!!!!

Never been so lonely

2010-11-24T05:30:00.000-08:00

Loneliness I feel inside is hard to describe. Its like scorching me from the inside. I never felt this way before, have i gone mad? why is this happening?
A lot had came to mind suddenly as I thought whats gonna happen to me in the future. Will I be like this forever? I know that I am not like they say 'marketable'. My heart is trashed an scattered to pieces.

Undecided

2010-10-09T20:21:00.000-07:00

Everyday flies by with uncertain thought about my future. What should I do after this? Should I continue or quit? The thought of it can turn into headache. I feel unaccepted sometimes I fell unqualified for all the things that I want to do. People will also say you can do it but if reality-wise it is not easy as it looks.

2010-08-29T02:34:00.000-07:00

Merdeka!!!!!!!!!!

cont.

2010-05-01T17:55:00.000-07:00

This page was established to provide financial advisory services to Malaysians who wish to obtain a personal loan directly from MBSB. To get financial advice and personal loan applications, please contact OUR mobile consultant us at 012-3783952
Why Mobile Consultant Team?
(Mobile Consultant Team which was fully recognized by the MBSB will help the applicant through the 'online' for your personal loan application process.
1. The applicant does not need to MBSB to verify documents.
2. The applicant does not have to queue for an application.

MBSB Personal Loans can help your financial problems: -
1. Completion of Credit Card Debt / Guarantor
2. Overlapping debt of previous loans
3. Shop / Deposit / Renovation New House
4. Marriage Wedding Expenses
5. Education extend your / your child
6. SPT Emergency Surgery
7. Performing Umrah / Hajj
8. Opening / Capital Increase Business
9. Traveling etc..

Qualifying applicants?
The minimum conditions of eligibility is
1. Open for Government Employees & Chartered Bodies
2. 19-58 years old
3. Fixed position (more than 3 months)
4. Basic Salary + Allowance for a minimum of RM700 per month (Fixed)

Package-Package Loan
1. Government Employees - Annual Interest Rate: 4.9% (2-15 yrs) 5.2% (16-20 yrs)
2. Non Civil Servants - Annual Interest Rate: 6% (2-20yrs)
3. Teacher & School Staff - Annual Benefit: 5% (fixed)
4. Staff Board - Annual Interest Method: 5% (fixed)
5. Staff Ministry of Health - Annual Interest Rate (5.5%)
6. Staff & Members of the Police: Annual Interest Rate (5.5%)

Criteria for Loan Package -
1. Blacklist / CTOS / CCRISS / FIS are eligible to apply
2. No Guarantor / Collateral Required
3. Loan Payment is by cutting the Bureau Space (not more than 60%)
4. Maximum Financing RM150, 000
5. Pay-back period of 20 years
6. Percentage of Loan Approval (Payout): 100% of total loans
7. Facilities provided overlapping
Eight. Loan Approval period: 7 day (if the document complete)
9. Your loan would be deposited directly into your account (after loan approval)
Group Family Takaful 10.Insurans available
(Your family does not have to bear your loan if you die)

What is overlapping?
Overlapping is a method in which the applicant is able to resolve the debt / loan balance of your old financial institution with just a personal loan from MBSB. This is because MBSB offers the lowest interest rates in the market over the cooperative banks and others. Therefore the applicant is able to get immediate cash (extra cash) if there are differences in the balance.

Charge-Charge Necessary Services MBSB
Service charge is deducted from the loan amount deposited into your account before you is as follows: -
1. The fee: 2% of total loans
2. Stamp duty: RM50
3. Insolvency Department: RM12 (for review the status of bankrupt you)
4. Amanah Raya Berhad: RM350
5. Takaful insurance (per age and amount of loan)
6. 1 month security deposit (refundable after the expiry of the loan)

For your attention, MBSB does not appoint any agency or consultant who charge additional charges other than the above above. Please report to us if there are any additional charges imposed by any party.

Forms & Documents
To ensure your application is approved immediately, the following documents required for processing purposes: -
1. 1 x Form Loan Application (completed)
2. 1 x Form Bureau of Space 1 / 79 (completed)
3. 1 x Job Confirmation Letter (letterhead of employer / department)
4. 3 x copies of both sides MyKad
5. 3 x copies of TNB bill / Astro / TM / congratulation
6. 3 x 3 months salary slip (Original)
7. 3 x 3 months salary slip (copy)
8. 3 x Copies of the EA
9. 3 x copies of Form J
10. 1 x copy of Birth Certificate (for staff members and the Police only!)
11. 1 x Old Loan Statements (for overlapping)
Note,;all documents mentioned above should be stamped and certified by the Head of Department.

INTRODUCTION

2010-04-25T11:28:00.000-07:00

MBSB stands for Malaysian Building Society Berhad. Our range of services consists of depository, credit cards, bancassurance, will writing, loans and financing.