I will never apply leave on Lunar New Year eve unless company declared the day as compulsory leave. To me, every thing should be ready and I don’t like last minutes cleaning on the eve. But this is not my hubby’s style. So I have to chance my mind from this year onwards. I have to apply annual leave for at least the two days before Lunar Chinese New Year to assist my hubby to ready all the needful to celebrate the festival with peaceful of mind.

This is something need to be tolerance. If you can not chance someone, you must chance. I believe this is the basic requirement for a couple. And the best is, change with full of willingness. Else, you will never feel happy for whatever chances. I love my hubby. I am willing to be the one who chance to support him all the way.

Steven Chan Hoi Wan, how are you?

I am not sure he has been arrested. I have no news at all after I reported my being cheated story at police station. This was happened few months ago. I am concern whether police will take serious action on such small case which I believe it is happening almost everyday. But I think I will have no chance to know what is the latest news or update.

But I wish to share my happiness of getting back my money.

The alternated cheque was cleared and I believe Steven Chan Hoi Wan was finish spending my money happily. I wrote a letter to my banker right after I got my police report. I wish to claim back my money. Alternation is not significant. Steven Chan Hoi Wan amended the date from 18th to 8th by wrote my one into round / zero. I believe the bank clearing officer are not doing their job properly that they approved the cheque clearance.

I know it needs time to investigate so I wait. After almost two months, the bank officer called me and informed me that my money is refunded.

Special thanks to the bank officer who assist me to settle my problem. Alternation on cheque is not allowed. When the alternated cheque had been cleared, some one should take the responsibility. I believe this is the bank’s lose. I am not sure how the two banks settle this issue. Either the payee bank or the payer bank needs to bear the lost. But for sure this is both party responsibility and all the clearing officers should take extra precaution on this issue.

I apologize to my daughter for scolding them. I have to buy some time to finish my assignments before I go off. When talking to them with slow and soft voices are not effective. I scout and scold.

This is a very bad habit. I know. From here you know I am not a good mother. But I need put my concern to finish my assignments before the deadline then only I can go back to take good care of them. This is a realistic world. I don’t want to lose the opportunity and affected my income. So, my two little princesses are suffered. *sob*

I regretted for what I had done.

To make sure my two little princesses are honest to me, I started lie to them.

I feel worry when I found that my two little princesses start to hide and do not wish me to know what they had actually done for the day. I love to know what they had done for the day and I wish them to share with me with honest. I found that they will let me know whatever that I like they do and they will skip those bad things that they had done. I discovered that only thought my mother in law mouth.

When my younger told me her kindergarten teachers asked them to be discipline because they had installed hidden cameras where every one captured to be naughty will get punishment. So I come out an idea and warned my two little princesses they also need to be well behave at home and don’t try to cheat me because our home also installed hidden cameras.

This lie has become bigger and bigger now. I did try to stop it by tell them honestly there is no cameras installed but they refuse to trust me. So, I have to continue my lie.

I know this is totally a mistake. What I can do now?

Ever heard of this financial before? I love McDonald burgers very much but never heard that McDonald is providing financial services. After search, I found that there is one finance institute in named of McDonald Financial Corporation. This website looks well organized and more trustable.

I am totally out of idea how this sender gets my email address and sent me this spam mail. Well, it falled in my junk mailbox; for sure this is the spam mail!

HAVE YOU BEEN IN SEARCH OF A RELIABLE LOAN? APPLY FOR ONE NOW
Sender: “McDonald’s Finance Inc”

Hello,
We are independent loan lender, offering financial help to serious and reliable Persons.
Is your credit so bad that, your bank won’t help you out with a loan?
Have you being denied of obtaining a loan from or bank or a financial firm?
Are you looking to expand your business? Solve a financial problem?
Acquire a car/house? And are you tired of Seeking Loans and Mortgages? So on.
Worry no more, McDonald lenders are here to save you!!!!
At McDonald lenders, We are here to meet to your need. We issue loans at very low interest rates of between 2%-3%. Our vast knowledge in loan acquisition and refinancing spanning over 20 years is a confirmation of our positive impact in the lives of our esteemed customers. We are accredited by so many financial institutions.
We will be obliged to serve you.
Arrangements to Borrow up from $3000.00 to $100,000,000
Choose between 1 to 25 years repayment period.
Choose between monthly and annual repayment plan
Flexible loan terms and conditions.

A Loan shall be granted to you based on your request.
We respect your ideas and solve problems of low credit score and inability to get loan from banks and
financial offices due to credit score and collateral.
The McDonald’s Financial Services issues a non collateral loan to foreign individuals and
cooperate bodies, as we have been insured by the United Nations Finance Insurance Policy (UNFIP).
Based on the success of all our clients due to low interest rate and
a chance for them to state their borrowing duration that will suit when they can pay back,
we have grown out to be one of the biggest financial company.

If you are interested in our loan offers please contact the C.E.O via
e-mail: mcdonalds1deans1services@gmail.com

Regards.
Management

With the intelligent of internet search engine, here is what I found in 419 Scam:-

Some comments by the Scam-O-Matic about the email:

* An email address listed inside this email has been used in a known fraud before.
* The following phrases in this message should put you on alert:
o “,000,000″ (they want you to be blinded by the prospect of quick money, but the only money that ever changes hands in 419 scams is from you to the criminals)
* This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
* This email lists free webmail addresses. Use of such addresses is typical for scams. Lotteries, banks and any but the smallest of companies do not normally use such addresses. Criminals use them to anonymously send and receive email at Internet cafes.
o mcdonalds1deans1services@gmail.com (email address has been used in a known fraud before)

No matter how desperate you are looking for money, go for a right and correct way to get it. Even a handicap knows how to earn and survive. How you earn? God see!

She was arrested. I have no idea why she needs that money. Not much but after days by days, little by little, the figure can become a big amount. She should not do that of course. She is not right at the earlier stage caused her arrested. But still, I pity her.

In fact, I agreed that every one is having short of money problem. Every one is complaining money is not enough. But how much is consider enough?

It is the matter of how one handles their money. Earn more then can spend more. If one earn less, but spending is much more then what they earn. They will suffer.

She is earning income every month. She can borrow from friends or even company if she really need extra money. Why she choose to steal?

A very good experience learned after cheated by Steven Chan Hoi Wan. After not only me but many are reported the same cheating way by him, I am doubt whether he is being arrested. I didn’t get any calls from police again. Shall I call to police station to check the progress of my report? Will they entertain me? I not dare to try…

As I mentioned in my earlier post, be extra caution to write the 1 in a proper way rather than just an ‘l’ shape 1.

Not only that but here comes another high tech method of cheque alternation which we all should aware of.

After read the news and found that there are ways to ‘wash’ or tamper with cheques. Ok. To be more secure, not only be extra careful to write the numeric on cheque, but to use gel pen to write cheque as well.

Go and buy a gel pen to write cheque to prevent losing your bank account monies!

Source: http://thestar.com.my/news/story.asp?file=/2010/12/1/nation/7534384&sec=nation

I am a silly woman. I easily forgot and lost memory with things happened or works done. All my friends know how bad I am. They know why I always says good bye to them when time to go home, already go out from the office but turn back to office again because forgot something. Maybe car key or mobile phone will leave in my work place.

But I never thought there is a woman worst them me. She opened her car side door to take some documents then close the car door immediately after she taken what she want. Then the car doors automatic locked and her car key left inside the car….

I never have such silly action before. This is a good warning not to make this happen to myself.

I just renew my car insurance and road tax. I know this is a bad habit to do it at the very last minutes. I should take some times to study and search for cheap car insurance before I renew it. I did promise myself to do this when I did the renewal last year. But again, I missed it.

I should put this under my to-do list or jot down as a reminder to myself. It is not worth to spend more if I can get a cheaper deal. Perhaps I will be alert of renewal date and manage to get a better deal.

Bosses expecting their staffs can take more responsibilities. They are having brilliant thinking and pass the strong message to their staffs where the increment or promotion will only be awarded if you can work on whatever assignments given.

The more you work is not equally to the amount you earn. This is the lesson employees learned. Boss might promise that you will be promoted or you can get higher pay only if you can perform.

The true is, the final decision is comes from the management. Whether you can be promoted is depends on your luck.

Some bosses even clever. They never promise. Deadline is given and the team members required completing their task on time.

Employee learned another lesson: The monthly payroll is sufficient to cover the stress and pain. Either you stay or tender.

Which type of boss / employee you are?