Saturday, August 05, 2017

Don’t Become a Victim of Work-from-Home Scams

If it sounds too good to be true then most times, it is. This is one of the red flags of a scam and you should listen to your instinct if alarm bells start to ring. Scams usually promise their victims a large financial gain for minimal work or effort. But there are many other tricks they use to deceive you, which I suggest you read more about here.

Why should you care about online scams? 

Because a 2016 survey by Telenor Group revealed that Malaysians are most vulnerable and most likely to fall for Internet scams. It’s a reputation that we rather not have. Singapore, Thailand, and India were among the other countries surveyed, but Malaysia came up top with 46% respondents admitting to being a victim.
The top three scams that Malaysians fall victim to are:
  • Work-from-home scams (30%)
  • Internet auction scams (22%)
  • Online dating scams (20%)
Source: The Star
Even more concerning is the fact that 6-in-10 have suffered financial loss averaging about RM7,050 per person.
With the number of online users growing in Malaysia, this is a serious concern and one that you need to avoid happening to yourself. We spend most of our days online, and in fact, shop online more than ever too! Be vigilant and keep yourself informed of the latest scams.

What does a work-from-home scam look like? 

Now that you understand you can lose money to these online scams, it’s important to be able to identify what a scam looks like. There are plenty of legit job postings online, especially the ones through credible sites like, but you will need to be a cynic with the job postings that sound a little dodgy.
Let’s take a look at the red flags of the leading online scam: the work-from-home job postings.
Image source: Vulcan Post
Image source: Vulcan Post

You will be asked to make an upfront payment

This has to be the most critical red flag because it is the point where you stand to lose money.
Have you ever heard of a job posting that requires you to make an upfront payment before more details of the job are shared? Sounds silly, right?
If a company is hiring, they will usually release as much information as possible for FREE to attract the right people to apply for the position. You usually never have to make a payment.
Well, these online scams will ask you to make a deposit into an account before they release more details of the job to you. They will claim that the money will be used to help them start the business or as an admin fee to create your account and set-up the tools needed for your job.
They will not advertise the upfront payment because that might immediately put people off from applying, but once you get in contact with them, the demand for money will begin.
Lesson: Just say no and walk away. Do not transfer any money.

It sounds like the perfect job

And yet, you wonder why everyone else doesn’t just work from home? Why isn’t everyone cashing in on this lucrative career?
Because once again, if it sounds too good to be true then it is too good to be true.
Look out for these phrases that come with too many exclamation marks:
“work from anywhere!!!”
“Flexible hours!!!”
“set your own schedule!!!”
“super simple job!!!”
“No prior experience necessary!!!”
“earn RM500 – RM1,000 WEEKLY!!!”

This usually is accompanied by a very extremely happy person who has plenty of cash, or even a picture of a stack of cash to entice you.
See what we mean?
See what we mean?
Lesson: The ads will promise you high financial gain for minimal work or effort. Nothing good in life ever comes that easy.

When you ask for details, they keep it vague or make it difficult

For research purposes, I messaged a few of these admins about the job postings via Facebook Messenger.
One user replied and asked that I join her online training but I would not be required to pay an upfront fee. I asked if any fees would need to be made after the training, to which she responded: “Are you interested in joining our online training?”. There was no direct answer to my question.
A second user would refuse to reply to any of my queries and instead requested that I email him. By emailing him, I actually place myself at risk to be hacked, or he might even use it as an opportunity to phish for sensitive details from me.
Phishing is an email that is designed to appear from a credible or trusted company. Its aim is to gather sensitive details from you, such as your credit card information or banking account details. Be careful when giving out your email address to suspicious individuals! And if you have given your email address, delete their email as soon as it enters your inbox. Do not open it.
These scammers will never be able to give you clear, transparent and direct answers. They will beat around the bush, or they will avoid your question entirely.
Lesson: If they haven’t answered your questions directly, or can’t give you assurance to appease your doubts, do not accept the job. Do not give out your email address.

Easy money is always a bad idea

Times may be hard and many of us struggle to have any savings with a single income source. However, there are always legitimate ways to earn money and if a job posting is offering you a weekly or monthly income for typing or stamping envelopes, this is just too easy to be true.
Wah, so easy to earn RM800 per week?
Wah, so easy to earn RM800 per week?
Some of these online scams will also ask you to invite your friends and other people to join and only after you have invited 3 people, for instance, you will receive your salary. This is exactly how a Ponzi scheme works. You pay to enter the scheme, and then your salary or profit is split between you and your new recruit, and it continues. Some of you might think this causes no harm, but each of us has a responsibility to ensure we do not keep these scams alive.
Most of these job postings will target working mum’s or young students because they are most hungry for instant income with minimal effort. Mother’s don’t have the luxury of time to leave their kids at home, and if they can earn income by keying in data or typing a few hours every week, that sounds great, doesn’t it? Similarly, with young students who wouldn’t have the experience for a high-paying job, this is a great solution. No prior experience needed, so why not?
Lesson: Understand that these scams know you very well. They know what will motivate. Be aware and do not fall for their tricks!

Top five ways to prevent being scammed online 

Telenor Group also shared the most frequently used methods to reduce your risks of becoming a victim, which are:
  • Delete suspicious and untrustworthy emails.
    • Ignore advertisements that appear “too good to be true.”
    • Update your anti-malware software.
    • Do online research about scams.
    • Share knowledge and preventative tips with friends and family through social media to help kill the cycle.

Thursday, July 27, 2017

Reiki machine by MK Connection Legacy Berhad, another scam?!

how can invest or not? seems legit since it's a berhad company. now still in cooling off period. still thinking whether to pull back the deposit.

now have Reiki machine by cost RM48800. 3 in 1 machine, can wifi, take photo & advertisement. after 8 months will pay RM1500/month for 5 years contract advertisement. of course have lots of other details. 

details: Free near RM10k service for :
1 year include 1 year free service RM800 
1 year internet worth RM3600
2 time free relocation
1 year free insurance
and few more I can't recall

so call have 300 kuata. what i think of is since this machine can really earn money, I'm sure the people who earning lots of money with this machine will ask relative to invest too. no way will wait for us to invest right

company name: MK Connection Legacy Berhad / Sdn Bhd
Location at Solaris Mont Kiara ( is this coincidence?! why place same with Sunner? )
Contact : Nik Muhammad Zaki Sales Manager 019-9831990

latest update 
27.7.17: Nik is not answering phone already after asking for refund. will try to call the office tomorrow. cannot find this company at KLSE. the company is misleading. beware of this company people

29.7: Sent letter to main office to demand refund. Meet Mohd Safuan Sales Manager to get refund minus RM500 within 3 months which is stipulated in agreement signed previously. Now waiting for refund then

Sunday, January 22, 2017

Inflation Rate Up 1.8% Due To Higher Food Prices

Inflation Rate Up 1.8% Due To Higher Food Prices

Higher food prices pushed December’s inflation rate up 1.8% from a year ago, revealed the Statistics Department, adding that the increase was slightly lower than a Bloomberg survey of a 1.9% rise.
It said on Wednesday that the overall index for the Consumer Price Index (CPI) increased by 1.8% to 116.9 in December 2016 from 114.8 a year ago.
The higher CPI, according to the department, was due to the increase in the indices for food and non-alcoholic beverages (+3.7%) and housing, water, electricity, gas and other fuels (+2.1%).

In November, Bank Negara Malaysia said inflation would probably average at the lower end of the 2% to 2.5% forecast range for 2016 and expected to remain relatively stable in 2017.
Malaysians have been straddled with high household debt and the rising cost of living ever since oil prices dropped, sending the ringgit crashing to an all-time low.
Many will also crimp expenditure as the Chinese New Year draws near with prices of seafood and greens becoming more expensive due to the weakened ringgit and an unusually long monsoon season.

Wednesday, January 18, 2017

How Much Will A Divorce Cost You in Malaysia?



There have been many discussions about the rapid increase in cost for wedding these days. Yet, not many people

 talk about, or are even aware of, how much a divorce would cost them.
Of course, one does not get married thinking about a divorce, but did you know that, as of 2014, it was 
reported that one divorce takes place every 10 minutes in Malaysia and the number of divorces have more than 
doubled in just eight years from 2004? As the divorce rate in Malaysia is increasing year on year, it is important 
to equip yourself with important details to protect yourself financially, should it ever happen to you.
Ironically, the number 1 cause of divorce in Malaysia is financial problems, the second most common reason 
cited as being infidelity while the third reason fighting over key differences of raising children.

How much will the divorce proceedings cost?

When it comes to the cost of divorce, there are two main factors to take into account, which are the court
 fees and the legal fees. The court fees are fixed, but the legal fees largely depends on the complexity of the case
 and the lawyer’s fee.

Therefore, it is not easy to determine the cost of divorce, but understanding the difference between professional
 legal fees and court awarded costs (court fees) is important.  Do take note that there are different procedures
 for Muslim and non-Muslim couples, as Muslim divorce proceedings will take place at the Syariah court.

The court cost

You will have to file your divorce application or petition in court first before the divorce process can proceed. 
This comes with a court fee, which is separate from the legal fees and includes:
  • RM160.00 Filing of a Divorce Petition (General Form of Petition or Joint Petition)
  • RM16.00 Filing of Statement as to Arrangement for Children (General Form of Petition or 
  • Joint Petition)
  • RM16.00 Filing of an Affidavit in Support of Petition (General Form of Petition or Joint Petition)
  • RM 6.00 Each exhibit referred to an affidavit, statement or petition and required to be marked
Note: court fees may vary, check with the court staff for exact filing fees.

An estimate of legal fees

The more complicated a divorce case is, such as, if both parties cannot agree on the division of assets, if financial  
support is required, or children custody is involved, the more expensive the legal fees will tend to be. 
A lawyer’s fee can also depend on their seniority and level of experience.
  • Contested divorces: takes a minimum of one year, and may cost a minimum of RM5,000 and can
     even go up to RM50,000
    or more.
  • Mutual Consent Divorces (joint petition): takes three to six months, and may cost between RM3,000 
  • to RM6,000.
Though you may not need to appoint a lawyer when filing for a divorce, this may be the advisable course of 
action when a Contested Divorce requires a court hearing. Though this will then incur more cost, at least you
 have a lawyer to guide you through the tricky process. But bear in mind, each time your lawyer attends a court 
hearing, you will be charged and this will increase the legal fees.
If the cost of engaging a lawyer worries you, you have the option of legal aid. In Malaysia, there are two main 
organisations offering legal aid. The first is The Bar Council Legal Aid Center, which was set up by the 
Malaysian Bar and the second is The Legal Aid Department which is under the Prime Minister Department.  
But, you will need to undergo a verification process before you qualify to receive the legal aid.
A Mutual Consent Divorce (joint petition), on the other hand will cost less. This means when a couple mutually 
agrees to divorce therefore it will be less complex, and as such the legal fees will be lower. In fact, if you can 
come to an agreement about financials, matrimonial assets and the arrangements for children, you may not have 
to attend a court hearing at all, potentially saving you thousands of ringgit.


What are you entitled to from the divorce?

As for the division of matrimonial assets, that will be decided in court. However, there may be other entitlements
 like alimony and child maintenance.
Alimony is usually awarded to the wife, and given by the husband and this applies to both Muslims and 
non-Muslims, as well as child custody if the wife has been granted custody.
As for Muslims, under the Islamic law women are entitled to:
  • mutaah, a consolatory gift granted by the husband for his ex-wife after their divorce
  • custody of the child
  • maintenance of the child
  • maintenance period of iddah (the period a woman must observe after the death of her spouse or after a 
  • divorce)
  • harta sepencarian (property jointly acquired by husband and wife during the subsistence of the marriage 
  • in accordance with the conditions stipulated by Hukum Syarak.)
Divorce cases may open a can of worms as both sides battle it out during the court proceedings, and it can 
also stretch on for years. As a result, the consequences of divorce is beyond the battles of assets but can also 
affect one’s psychology and morale, as well as the children involved. During or after the divorce procedure, 
some individuals may seek counselling and therapy which can cost between RM300 – RM400 per session (or more) 
at private psychologists.
Also consider the fact that you no longer have shared income, which means you will be shouldering your 
expenses separately from now on. Do review your monthly budget and spending to help you ease into adjusting to 
single income.
The cost for divorce could be the same amount you spend on the wedding, sometimes even more. Therefore, 
both spouse needs to be educated on their rights and what they are entitled to if the unfortunate event such as 
divorce were to happen to ensure they will not be taken for a ride.

Saturday, January 14, 2017

The Cheapest Places To Park Your Car in Bukit Bintang

The Cheapest Places To Park Your Car in Bukit Bintang

Face it: Bukit Bintang is designed to make your wallets bleed.
Home to many of the city’s biggest and glitziest retail malls – including Berjaya Times Square, Sungei Wang Plaza, Low Yat Plaza, Starhill Gallery, Lot 10, Fahrenheit 88 and Pavilion Shopping Mall – there is no wonder that merely inhaling the air of this popular shopping hub is enough to make your net worth founder.
While you can easily spend your life’s savings at these malls, don’t expect to be able to get away without paying an arm and a leg for parking too.
Take Pavilion Shopping Mall for example. It is undeniably a top destination for shoppers, but its parking rates is also one of the most brutal. It charges RM3 per hour (from 7am to 5pm), for all seven days of the week and has no maximum cap, making it one of the most expensive parking malls to park your car in within the Klang Valley!
How much will a typical outing cost you then, if you park at Pavilion? Well, if your trip to the mall comprises typical daytime activities like having lunch, then watching a movie, and taking a leisurely stroll afterwards, you can expect to spend at least three to four hours on average. This means your parking charges can easily amount to RM12, which is rather hefty, considering that you’re paying just for space!
Rates at surrounding malls like Fahrenheit 88 and Low Yat Plaza are slightly cheaper, but the difference is hardly significant. Fahrenheit 88, situated right opposite Pavilion, charges RM4 for the first hour, and RM2 for every subsequent hour (which adds up to RM10 for four hours).
Meanwhile, Low Yat Plaza is located some 850 metres away, but has one of the cheapest parking rates in vicinity. It charges RM2.50 for the first and second hour respectively, RM1.50 for the third and the fourth hour respectively, and RM2 per hour from the fifth hour onwards (RM8 for four hours).
Think parking on the streets would be cheaper? Ha! No such luck.
From 18 July 2016, hourly parking rates at the city centre (which obviously includes Bukit Bintang) have been raised by up to 200%!
With the hike, parking charges in the city centre will now cost RM2 for the first hour from RM0.80 previously. Rates for the second hour and for subsequent hours have also been raised to RM3 respectively. That’s not much better than parking in a commercial parking lot now, is it?
Luckily, you’ve got a frugal friend in iMoney and we’ve scoured the shopping and entertainment district for the cheapest places to park your car in Bukit Bintang. It requires some walking (and in this heat, you might even faint), but you can reduce the damage on your wallet if you’re willing to go the distance!
Note: Distances are estimated using Pavilion Shopping Mall as a destination target for easy reference.

Mondays to Fridays before 5/6PM

Open carpark next to Hakka Restaurant (Jalan Conlay)

RM3 per entry (limited parking!)
Distance: 550m (8-minute walk)
Open carpark behind Kenanga International
RM4 per entry (Monday to Sunday)
Distance: 1km (15-minute walk)
Open carpark next to Wisma UOA (Jalan Pinang)

RM2 (first hour)/ RM1 (every subsequent ½ hour)
Distance: 1km (15-minute walk)
Open carpark opposite Impiana Hotel
RM6 per entry (Monday to Sunday)
Distance: 850m (13 to 15-minute walk)

Mondays to Fridays after 6pm

Wisma Cosway

RM4 per entry (after 6pm)
Distance: 700m (9-minute walk).
The Sun Complex (opposite Berjaya Times Square)
RM5 per entry (after 5pm)
Distance: 750m (11-minute walk)
Sungei Wang Plaza

RM5 per entry (after 6pm)
Distance: 500m (6-minute walk)

Wisma SPS
RM5 per entry (after 4pm)
RM4 per entry (after 5pm)
Distance: 700m (10-minute walk)

Starhill Gallery

RM7 per entry (after 6pm)
Distance: Right next to Pavilion (1-minute walk)
Menara Standard Chartered
RM5 per entry (after 5pm)
Distance: 600m (8-minute walk)
Low Yat Plaza

RM5 per entry (after 6pm)
Distance: 850m (11-minute walk)

Pavilion Kuala Lumpur
RM8 per entry (after 5pm)
Distance: 0m

Wisma Lim Foo Yong
parking in bukit bintang
RM5 per entry (after 5pm)
Distance: 850m (13-minute walk)
Menara Keck Seng
RM8 per entry (after 6pm)
Distance: 200m (3-minute walk)


Menara Standard Chartered
RM6 per entry (Saturday, after 1pm)
RM7 per entry (Sunday and public holidays)
Distance: 600m (8-minute walk)
The Sun Complex (opposite Berjaya Times Square)
RM5 per entry
Distance: 750m (11-minute walk)
Open carpark behind Kenanga International

RM4 per entry
Distance: 1km (15-minute walk)
Wisma Cosway
RM4 per entry (only for Sundays and public holidays)
Distance: 700m (9-minute walk)
Open carpark opposite Impiana Hotel
RM6 per entry
Distance: 850m (13 to 15-minute walk)
Wisma Lim Foo Yong
RM5 per entry (only for Sundays and public holidays)
Distance: 850m (13-minute walk)

*Parking rates are for your reference only and are subject to change without prior notice.
This article was first published on 18 March 2016.