牛年到，送你牛年四件套：一顶牛皮帽，祝你牛气冲青天；一件牛皮衣，祝你牛年喜事添；一条牛仔裤，祝你福禄运当先；一双牛皮鞋，祝你牛年乐无边。
分别这么久,你想我了没有?不论是YES OR NO,我都会把你放到心里头。奋斗这么久,你混牛了没有?不论是YES OR NO，我都要祝你牛年大吉,鸿运当头!
牛就一个字，送你十二次：祝你运气冲牛斗，炒股遇牛市，安居如蜗牛，发财抱金牛，事业牛身体牛全家牛，总之牛年牛牛牛！牛年大吉！
举杯迎09，问候遥祝友。温馨今夜酒，幸福从此久。买股骑上牛，楼市质价优。高朋常满座，体健享温柔。接信更无忧，舍你谁更牛？！
牛，蜗牛，水牯牛，牛年牛牛大聚会。牛说：我开垦的是希望，播种的是幸福；蜗牛说：咱背负的是祥和，承受的是平安；水牯牛说：俺汲取的是甘露,实现的是实现的是滋润。
祝你在牛年里，像牛一样收获幸福，像蜗牛一样和顺平安，像水牯牛一样生活滋润。牛年大吉呀！
春节到，祝福宝贝初生“牛”犊不怕虎，老人健康身体气壮如“牛”夫妻恩爱情比“牛“郎，事业“牛”气冲天，老婆面前俯首甘为孺子”牛”。
牛年送你九头牛，全年无烦也无忧，拔下一毛发短信，谁叫咱们是朋友！听说你去年有“鼠”不尽的快乐，今年你该更加牛气冲天！
牛年祝福你：有牛津名气，得牛顿才气；增牛虻勇气，添牛仔帅气；交牛郎运气，纳牛皋福气；拥牛犊志气，抱牛黄贵气；执牛耳霸气，招牛毛财气。
牛年到，只见你左搂右抱，左搂吉祥如意，右抱幸福美满。又见你被前堵后追，堵你的是梦想，追你的是美好。看你上窜下跳，总脱不开幸福的围绕。
新春到，说一句“牛”话：我想你；送一颗“牛”皮糖，我爱你；记着有一首歌吗，那就是happy“牛”year
迎接又一个牛年，带来全新运气，岁月改变缘分不变，短信寄满情谊。知心朋友不管远近，都不会忘记，思念久了就会想――衷心祝福你：牛年快乐！
牛年钟声响，牛劲暗中藏。牛皮包美元，牛头赚大钱。牛眼看金砖，牛尾奖钱栓。牛奶洒银元，牛脚踏桂冠。牛年快乐！牛年发财！
2009愿你牛年开心永久;2009愿你勇敢向前走;2009愿你成功拥有;2009愿你黄金满斗;四九合一祝你四季有酒有菜过得自由自在.
金牛祈福，瑞气盈门。恭祝牛年里增豪气、添喜气，扬正气、聚人气，有贵气、冒财气，多福气、好运气，心顺气、人和气，更旺气，够牛气！
人生如菜，滋味自知；牛年登临，祝您的生意如葱爆牛肉般火暴；您的生活如麻辣牛肉般红火；您的身体如牛肉板面般筋道；牛年数您最牛
2009年1月22日星期四
2009年1月15日星期四
久违了 大家好
2009年1月6日星期二
信用卡持卡人请留意 Rule 13.2 of the Bank Negara rules on credit
All Malaysians should be made aware of this clause …….
The limit of your liability for a lost or stolen credit card is RM250.00 only under Rule 13.2 of the Bank Negara rules on credit card if it has been fraudulently used.
Please note this limit and ensure that your bank does not overcharge you should your card have been used illegally.
Most are unaware of RM250 limited liability – PLEASE READ AND BE INFORMED! CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, often times, they end up paying much more.
This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.
This protection is given under Clause 13.2 of Bank Negara's Credit Card Guideline:
"The cardholder's maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen."
Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.
They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders.
Many cardholders then pay up because they are unaware of the RM250 limited liability.
The limit of your liability for a lost or stolen credit card is RM250.00 only under Rule 13.2 of the Bank Negara rules on credit card if it has been fraudulently used.
Please note this limit and ensure that your bank does not overcharge you should your card have been used illegally.
Most are unaware of RM250 limited liability – PLEASE READ AND BE INFORMED! CARDHOLDERS need not pay more than RM250 whenever their lost or stolen credit cards are used by others. Yet, often times, they end up paying much more.
This is because Bank Negara has not informed cardholders that they do not have to pay more than RM250 for fraudulent transactions carried out using their lost or stolen cards, when they had not acted fraudulently and had informed the banks about the lost or stolen cards as soon as possible.
This protection is given under Clause 13.2 of Bank Negara's Credit Card Guideline:
"The cardholder's maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen."
Banks know about Clause 13.2 but have chosen to ignore it. Instead they pursue cardholders for the fraudulent transactions.
They will tell cardholders that a clause in the credit card contracts states that all transactions carried out before the loss of the cards are reported to the banks, are deemed to be carried out by the cardholders.
Many cardholders then pay up because they are unaware of the RM250 limited liability.
2009年1月5日星期一
道路也分“星級” 交通部2009創新河
大家新年好，一個星期沒有寫部落心情，因爲還在沉睡2008和2009之間，
手機的新年祝語短訊好多好多，謝謝來自五湖四海，跨越國際朋友的祝福。
這幾天來，和朋友們談談關於我們的交通部創新河，要為國内大道分“星級”，
我曾經在酒店行業服務過，對“星級”的字眼還不陌生，
費用依照”星級“，裏面的設施也依照”星級“而設，
最近到東馬出差，到當地最大的購物中心，廁所也有分等級，
VIP的收費RM1, 裏面有電視，每個隔閒有個別的梳洗盆，很“私隱”化
普通的則收費RM0.30，和一般的廁所沒兩樣。
話題來了，道路要分“星級”，
是衡量他的安全性，規格性，流量性，水平性，還是其他。。
就在這個時候，過去的一個星期。國内發生了令人注目的車禍，
往往就是數十人死傷的慘劇，車毀人亡，令道路使用者“提心吊膽”，
其實交通部因該研究爲何我們的道路車禍，已經到令人注目，
有時我們小心翼翼的駕駛，但是還是面對隨時的“飛來橫禍”
我們也知道某些道路確實屬於“死亡地帶”，常常發生“xx死xx傷“的慘劇，
南部的朋友如果有經常使用南北大道前往首都或北馬，
途徑北上km115-135, km146-km170, always seeing the accident...
I also involved twice, so... how we will ranking the "road by STARRING"...
anyhow, if MOT want ranking, the better way is show
"WHY THE ACCIDENTS HAPPENING"
"WHAT IS THE SOLUTION"
"WHOM WE NEED TO TARGETING"
"WHERE IS MORE DANGEREOUS",
"WHO WE SHOULD EDUCATED"
"HOW TO REDUCED THE CASES"
手機的新年祝語短訊好多好多，謝謝來自五湖四海，跨越國際朋友的祝福。
這幾天來，和朋友們談談關於我們的交通部創新河，要為國内大道分“星級”，
我曾經在酒店行業服務過，對“星級”的字眼還不陌生，
費用依照”星級“，裏面的設施也依照”星級“而設，
最近到東馬出差，到當地最大的購物中心，廁所也有分等級，
VIP的收費RM1, 裏面有電視，每個隔閒有個別的梳洗盆，很“私隱”化
普通的則收費RM0.30，和一般的廁所沒兩樣。
話題來了，道路要分“星級”，
是衡量他的安全性，規格性，流量性，水平性，還是其他。。
就在這個時候，過去的一個星期。國内發生了令人注目的車禍，
往往就是數十人死傷的慘劇，車毀人亡，令道路使用者“提心吊膽”，
其實交通部因該研究爲何我們的道路車禍，已經到令人注目，
有時我們小心翼翼的駕駛，但是還是面對隨時的“飛來橫禍”
我們也知道某些道路確實屬於“死亡地帶”，常常發生“xx死xx傷“的慘劇，
南部的朋友如果有經常使用南北大道前往首都或北馬，
途徑北上km115-135, km146-km170, always seeing the accident...
I also involved twice, so... how we will ranking the "road by STARRING"...
anyhow, if MOT want ranking, the better way is show
"WHY THE ACCIDENTS HAPPENING"
"WHAT IS THE SOLUTION"
"WHOM WE NEED TO TARGETING"
"WHERE IS MORE DANGEREOUS",
"WHO WE SHOULD EDUCATED"
"HOW TO REDUCED THE CASES"
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