HSBC mahu kurangkan kakitangan tapi Boss Public Bank diberi layanan super mewah.

HSBC mahu kurangkan kakitangan tapi boss Public Bank diberi layanan super mewah.

Itulah hakikatnya yang berlaku ke atas 2 bank di Malaysia iaitu HSBC Hong Kong and Shanghai Banking Corporation dan Public Bank.

HSBC pada Ogos 2011 dilaporkan mahu mengurangkan kakitangannya.

Namun Big Boss Public Bank diberikan satu parti atau jamuan teramat mewah dan besar besaran oleh anak buahnya.

Hmmmm.. Siapa lebih hebat??

Yang pasti kalau bapa mahu enjoy, anak pun mahu enjoy juga.

Tips perbankan, Telefon pihak Bank selepas menyelesaikan hutang kredit kad.

Telefon pihak Bank selepas menyelesaikan hutang kredit kad.

Jika anda berhutang kredit kad dan kerap ditelepon pihak bank, dan anda berhasrat membayarnya secara langsai, maka mintalah surat Bank selepas urusniaga itu.

Maksud saya, sebagai contoh jika anda berhutang kad kredit RM3000 dengan Ambank dan kad kredit anda sudah tidak sah kerana hutan terlalu lama, bayarlah semuanya.

Proses itu tidak berakhir di situ sahaja, selepas bayar, mintlah pihak Ambank keluarkan surat hitam putih mengatakan anda sudah menyelesaikan semua hutang tertunggak kad kredit anda.

Surat seperti ini amat berguna jika anda berhasrat membuat permohonan pinjaman bank atau kad kredit di masa akan datang.

Ini kerana maklumat di CTOS atau CRIS dibawah Bank Negara ada kalanya sudah lapuk dan tidak up to date. Oleh itu mungkin rekod anda di Bank Negara menerusi CTOS dan CRIS masih statusnya belum bayar hutang Ambank sedangkan hakikatnya anda sudah menyelesaikan hutang itu.

Sekian tips perbankan untuk hari ini.

In Malaysia, even prominent businessmen, lawyers and professionals borrow from Loan Sharks, not Banks

Banks in Malaysia are notorious for not giving and approving loans, be it personal loans or business loans to customers. Banks in Malaysia will scrutinise every details of your past financial histories before deciding to give you the much awaited and much anticipated loans. If you have bad financial records like non performing loans, non payment of any type of loans, housing loans, car loans, personal loans, wedding loans and credit cards, then you can forget about your loan applications.

Merchant and Commercial Banks have solid connections with Bank Negara Malaysia, the central bank of Malaysia. Bank Negara in turns has all your financial records known as CTOS or CCRIS which stands for Central Credit Reference Information System.

CCRIS is a system that collects credit information on borrowers from financial institutions and supplies the information back to them. This is one of the sources of information used by financial institutions to help them establish a view of the credit histories of potential or current borrowers. Bank Negara Malaysia says in it's website that CCRIS is not a blacklist system as perceived by some people, but to me CCRIS is the blacklist system indeed. CCRIS is the Banks' Angel of Death!

Bank Negara Malaysia created CCRIS because one of its functions is to regulate and supervise the financial institutions so that the financial system of the country would be sound and stable. As such, the Bank promotes prudent credit policies and professionalism among the financial institutions, including the adoption of best business practices in credit risk management. One way of doing this is by providing CCRIS to the financial institutions so that they can make faster and better informed lending decisions.

The shocking truth is that, many professionals such as lawyers and VIPs failed in obtaining loans from the various banks in Malaysia.

As such, they resorted to borrowing money from legal and illegal money lenders known locally as "Ah Longs" or Loan Sharks.

These Ah Longs easily give you loans for any purposes in one day, without asking much questions. The only things that matters is that you pay the interests and base lending amount, in the agreed time. Failure to do so will result in severe 'penalty'!

So you get your loans but the price is damn expensive, you have to pay much much higher interests rates, sometimes 10 % daily or 10% per month, depending on the Ah Longs.

Sometimes it is ridiculous because if you borrow RM1,000 from these Ah Longs, the total amount that you have to payback to settle your loan is RM10,000 or RM100,000.!!

But you are left with no choice if you are in dire need of money.

Money loaned from Ah Longs is best used for good purposes only. Investing them in immoral activities like gambling always result in tragedies like committing suicide as being reported by the media many many times before.

People who borrowed from Ah Longs come from many walks of life, be it ordinary workers, middle income earners, high income earners and professionals like lawyers.

This was proven in a news report, published by The Star today, 4th October 2011.

The story reported that the Malaysian police recently busted and arrested 2 Ah Longs who catered to upmarket clients and only gave out loans exceeding RM200,000.

Police were surprised to discover that their clientele included top businessmen and professionals.

Sources said police found a ledger with more than 200 names of prominent businessmen, lawyers and other professionals when they arrested the two money lenders.

It is learnt that they charged an interest rate of 10% for every 10 days.

The two, aged 37 and 38, are believed to have given out loans totalling more than RM10mil based on the record of loan transactions over a period of two years.

The duo are known to use several harassment tactics including making threatening calls and visiting the homes of victims and forcing their family members to pay up.

Following a complaint, a surveillance team observed the duo's operations and they were arrested near a hotel in the city on Sept 29, 2011.

A Toyota Camry which belonged to them was also seized and numerous bank slips were discovered inside, the news report said.

Police investigations are ongoing and did not rule out that Datuks (prominent titles given to VIPs) and other prominent figures might have also borrowed from the duo.

Police are also investigating if the suspects were involved in other criminal activities.

The case is being investigated under the Money Lenders Act 1951.

Florida Guy became the richest person in the world with US$88.8 billion cash!!!

Artist impression of what USD 87 billion looked like if stacked together in that particular order in 1 dollar denominations. The tiny figure in black at the bottom represent an average height human being and a car!!!

A guy from Florida, USA became the richest man on earth, but only for 5 hours - no thanks to a technical bank glitch. After that ecstatic 5 hours, that guy was back to square one.

When Paul Fischer checked his bank account on Friday night, 26th., March 2010, he had a super happy surprise. His balance had exploded to US$88,888,888,888.88.

A very lucky number indeed, and close to US$89 billion.!!!!!!!!!!!!

That is a whopping 315 Billion Ringgit Malaysia!!!!

At that time, Paul Fischer was the richest man on earth, demoting Bill Gates to no.2, for Gates' wealth currently stands at US56 billion, USD32 billion less than Fischer's magical money!!!

Fischer is the chief financial officer of the Windsor Group Incorporated, a jewelry concessionaire to Central Florida theme parks.

Of course, the balance was a technical error by SunTrust Bank, which quickly fixed the problem. It also may have occurred in other accounts.

"Can you imagine being a Billionaire for a day???" Fischer asked himself. “Eighty-eight billion, what can I do with that?’”

“Maybe a handful of us could have brought down SunTrust Bank.”

Well Mr. Fischer had other ideas as well.

Before the problem was fixed, he asked a SunTrust representative if he could move the money to an interest-bearing account until it was reclaimed and donate the interest to charity. Total interest: more than $7.3 million.

The bank said no. Heyy mannn - A flat NO!!!!!

The money was stripped out of his account by Saturday morning, 27 March 2010.

Technically, Fischer was the richest man on earth for a mere 300 minutes!!!

“It’s all gone. I’m poor again,” he said. “I was a billionaire for five hours.”

This kind of bank error happens frequently. But Mr. Fischer raises an interesting question: What if, for five hours, you truly did have $89 billion?

What would you do with the money? The ground rules are that you would have to give the money back — and whatever you bought or invested with it — after five hours...

Good night Mr Fischer....

As for me.. what will i do with US88 Billion or Ringgit Malaysia 315 billion??


First i will marry this girl - Pamela Anderson - and during our first night together as husband and wife, i will do things to her that even Tommy Lee of Motley Crue (Pam's former husband) would not have imagined!! (just kidding folks)



If Pamela turns me down, i will marry Juliet Lin Ke Tong - this supergirl from China. I heard people are kiling each other in China, just to get her!!! aiyaaaaaa..



Secondly, i will go to Bill Gates office, meet him without apppointment and tell him smack on his face - Hey Dude... i am richer than you and i am from Sabah!!! And then Gates said - where the hell is Sabah located?? Then i will say - I am gonna buy Microsoft!!! hahaha



Thirdly, i will spend about USD20 million to travel into space abroad NASA spacecraft and spend maybe 5 months with those guys at the International Space Station, ISS..



Last but not least, i will continue blogging as the richest blogger in the world!!!! Sorry Kenny Sia, but i win this time... Hahahahaa


SunTrust Bank Centre in Orlando, Florida - near Mr Fischer workplace!!!

SunTrust Banks, Incorporated is an American bank holding company with headquarters in Atlanta, Georgia, USA. The largest subsidiary is SunTrust Bank, with US$172.7 billion in assets as of September 30, 2009

SunTrust operates approximately 1,700 bank branches across Southern US states, including Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia, and Washington, DC.