Today I spoilt my life, my marriage life, my family life. I borrowed money from loan sharks, is 22 loan sharks, total outstanding amount due is RM40, 000. This is not the first time, but I still borrowed from them. Everything keeps inside my heart, don’t want to share out, causing this problem. If last time I told them I still have debts with bank on gold, I wouldn’t end up like this. Everything is my fault, my selfish, my face problem.

This round my siblings helps me to settle the debts but with one requirement which is I have to move out the house on 2 days after today. My mum has to move out with me. My wife brings my daughter away. I have to stay with my mum in future, I can’t see my daughter any more, all these are causes by me, I didn’t appreciate it, I deserve it. I am not worry about myself, but I am worry about my mum, she already 60 years old and now no house for her to stay, I am really a useless son. Everything is too late, mum ,sorry, Carmen, sorry, dear, sorry and everyone who helps me on last round, I’m here say sorry to you all, I still bring trouble to you all. I am really from hero to zero, from own a house, own a car, have RM100K in bank turn to zero and event worst, negative property and owe bank a lot of money. When I can come out from this situation? When can I see the sun light? I am really miserable now. I can’t see my future, I have no one to talk with, my friends all scare me because most of them had borrowed money to me and I have not paid them back.

For everyone, this is what I deserve after borrowed money from loan sharks, so don’t follow my step.

I have a question after knowing Deputy Minister of Housing and Local Government is belongs to BN – MCA. My question is, many people when facing debts with ALONG and asked help from MCA to help to settle debts with them in lower interest. Is the MCA just called them up, warm them for not borrowing money to that victim and pay them the balance? Do MCA note down which money lender company they from and past the list to Housing and Local Government to verify it? If detected they are illegal money lender or the interest is higher than the percentage it should be (12% per annum with property else 18% per annum without property), Housing and Local Government can take action to them directly. Do MCA really do that?

I think this is an alternate way to help on clearing out the illegal money lender or money lender that acts like ALONG. Do you think this will work? Since they said they do not have enough resources to tackle all the money lender lessen, I guess this will help them a lot.

Now when we buy a lot of Tang Villa, we can top up another RM 9,000 to RM 11,000 (depends on side facing) to buy a new lot of Ming Palace if we do not take the ING, Great Eastern and the imported ‘Mug’ (sorry, I don’t know what it call in English) . This is really great news for investor or personal.

If is from personal point of view, below will be the total savings.
Investment capital at 1/1/2008 for Tang Villa I is RM 19,800.00.
Additional capital as 1/1/2009 for Ming Palace is RM 9,000.00.
Total investment is RM 28,800.00.
Original price for Tang Villa I + Ming Palace (RM 38,800 x 2 units) = RM 77,600
But we only invest of RM 28,800.00, so total savings will be RM 48,800.00. It is as good as double rewards.

If is from investor point of view, the calculation will be the same as above, but the total savings will be our total profit after reselling. It is at least 50% above of what we had invested.

So if you are a smart investor, act fast because this program is limited to 500 customers only on first come first served basis.

Sometime I think of die together with loan sharks. I borrowed money from them is my fault, but they can’t threaten me, they can’t locked up me, they can’t punch me if I can’t settle their debts right? But if they did this to me, and I am really can’t settle it, I will die with them.

Many people will commit suicide if they think they can’t settle the debts, but if you can die with them, make them get the legal punishment, this is more worth it. This is what I think of. If I am one of them and they keep forcing me, teasing me until I can’t stand and do not get me longer settlement plan, I will rather die with them. I die, but I will make them to face the law justice. I hope police and government will take action on this, press will make more articles about this until they run away. Am I cruel?

Why I said so? This is because recently a gang of loan shark has locked up their debtors into a small room for 2 months with heavy chains around their neck and with one end hooked to a wall.

After this incident happen, we can read on the paper that Police is taking action against loan sharks, but most of the loan sharks are still treat it as small matter, they still send people out to get business. Last time they wear jeans but now they wear short pant. According to them, this is an order from their company so that Policemen thought they are normal pedestrian.

Is it every country also have people running business in this area? Is it legal in their country? If is not, then why government didn’t take action to 100% close them down? Is there any story behind?

This is very useful information. Please have a look on it. Our money value is getting smaller and smaller.

It has been few years I didn’t go to pub. Yesterday I went there to meet my primary schoolmate. Last time he stayed on the same road with me, now he has moved to Puchong. The reason I met him is to ask him to invest using EPF. Basically he agreed to invest but he didn’t Photostat his IC so we have to meet up next time, but not in pub anymore. Know why?

Not only meeting him, but also his colleagues and friends. I can’t remember the name of the pub, but there are 2 other pubs on the same road. The beer girl is from different countries like China, Vietnam and of course local. My friend is their regular customer so they treat him very good.

What is their intention to drink in pub? Do you think is only pure drinking? 90% of guy will drink with the beer lady and their hand is moving around their body. I observed it from my friend colleague and actually we are from the same secondary school as well.

I seldom drink but yesterday I drink a lot. I reached there at 10pm and drink until 12am, break a while to have some snacks, then continue back to the pub and drink for another 2 hours. My friend know I am not a good drinker, so asked me whether can drive home. Of course can after the break. But today my head is very pain, so this is the bad effect after having fun on yesterday night.

If we are facing problem with Ahlongs, who can really help us? We are not saying to run away the debts, but we want to settle it by installment, do you think Ahlongs will let you do that?

I had experience, I did borrowed money from ahlongs and am about 20 over person I borrowed and the amount I owe them is about 50K, everyone an average of RM2500. They keep calling my mobile, keep calling my office and even come to my house to find me. I did run away last time and a week later they couldn’t find me and what they did was throw paint to my house.

You must be curios why I borrowed money for, is to gamble, sports gambling. Sports gambling are very common in Malaysia even it is illegal, but many people still go for it, and this make the ahlongs an alternate source of income. People lose and they will introduce ahlongs to borrow money to them to win back the losses. A gambler always thinks of winning back the money but they don’t think of losing more to it. I am one of them.

That time I wonder who can really help. Does the police officer will take action to them for damaging people property? Does police office has the right to lock them?

Does anyone know how and who should we seek help from? Please share it here.

After making my first income as a Unit Trust Consultant, I successfully closed another 3 deals. One is me, my wife and my other colleague. So next month I believe I will have an extra of RM600+, which is not enough, so I will keep asking my other colleagues to join it.

It is easy to convince people because of the economy down turn. Many people will use their money to invest in unit trust, because they think it is a safer way to invest and is better return compare to Fixed Deposit. I know the commission is little, but is better than nothing and it is a simple job, just talk to friends and most of them will agree to invest using EPF account. If you ask them to use cash to invest will be difficult, but from EPF will be no problem for them, because they will think that putting in EPF only getting the 4%-8% dividend, but if invest in Unit Trust might give them higher return.

I had told my brother I will focus on this. About the NV Tang Villa investment, I will target few people, because not all of my friends are rich. It will be a hard start for me, but I will try my best because the commission is very attractive, and I really need that money to pay off my debts. Headache, debts is everyone problem. I guess 80%-90% people are living for debts. I am one of them.

1. As good as free
As I had mentioned earlier in my post, you will get your money invested back (+/-) in either 8 or 15 years, it depends on which Insurance company you select.

2. Interest free and easy payment
You can either pay one lump sum or pay installment with zero interest. Installment period can up to 2 years of one slot, 4 years for 2 slots and….

3. The earlier you invest, the more you gain
Price is increasing every quarter of the year, so the earlier you invest the return margin will be higher.

4. Zero risk
Is totally zero risk, because it does not affected by the market economy and the price increase is well plan and control by NV Group.

5. Strategic location with easy accessibility
Location is easy find as many high ways can reach there.

6. State the art environment, advance cremation technology
Current cremation will take a day but this advance technology of cremation only takes 2 hours. So for people like us no need to take additional leaves to come back for the ceremony.

7. Different requirement of the residential property of deceased
People have the mindset that wish to bury with their family members after dead.

8. Dense population, limited supply
Our population is increasing daily but the supply is limited. So this will cause high demand will low supply.

9. Market value
Because of the factor above, it makes the item has value in market.

10. Resale service
Provide resale service for investor. Investor only needs to fill up the form and they will help the investor to sell it off. Investor has to pay 10% of total sales and 2% charges after the sale is confirmed.