Picture bergerak

The patterns are used to test the
Level of stress a person can handle..

The slower the pictures move, the
Better your ability of handling stress.

Alleged criminals that were tested
See them spinning around madly.

However, senior citizens and kids
See them standing still.

None of these images are animated
- they are perfectly still.

Contract Law In MALAYSIA

Legal Issue on Contract Law in Malaysia - Good for us to know
This is something I like to share with you from one of my seminar recently. If you find this informative, pls circulate. It was conducted by A/P Catherine Tay on Legal issues in E-commerce.

Notice that most of the time, the receipt / invoice you received from the merchant carries this exclusion clause or similarly worded statement: 'Goods sold are not returnable' or 'No refund once sold'.

The thing that I have learnt from her is that : 'As long as your good is purchased for home use and not for business ( i.e. to be resold), the above exclusion clause is VOID.

That means, as long as the good is defective, regardless of what is worded, you CAN get back all your money spent. You do not have to accept a repair on the good or an exchange. You CAN ask for a refund. AND you are LEGALLY right and entitled to! What a relevation!!

And most of the time the merchant will refuse to return you your money.

Her advice? >From her own experience ( and no less than 7 and all successful!) , she will threaten the merchant with four words: 'SEE YOU IN COURT!'

The court here refers to the Small Claims Tribunal Court .

However, you don't have to tell them what court! All you have to pay is RM10 admin fee and the loser (the merchant) will have to refund you the money PLUS the admin fee!

She shared this with us because she felt that even educated people are cowed by such unfair wordings (which includes her jaded friends who are not lawyers).

Pls try not to let the merchant fleece you the next time you have a defective good.

I know where to file this. On the 16th floor of Putra Place (The Mall opposite Putra World Trade Centre) . The form cost RM5.00. The Tribunal will settle within 2 months period.

Tribunal Tuntutan Pengguna Malaysia ,
Tingkat 16, Putra Place ,
100, Jalan Putra ,
50622 KUALA LUMPUR <>
Tel: 03 - 40492300 / 40424181 Fax: 03 - 40424259

FW: Husband & Wife joint account in Malaysia

Hi ! Dear All,

Just to share with you one recent article i read and shocked me a lot. It
happens in west Malaysia , husband and wife and 1 son. Husband pass away due
to accident, husband has a RM50k joint saving account with wife, what happen is
the wife / like most people think,when husband pass away, she will get the money automatically
since it is joint account. But to her surprise, She could not withdraw even a
single cent!! Joint saving account is meant for convenience when spouse need
it the most, but most people always assume once the other holder dies, another
half will get the money automatically which is very wrong.

I would like to share my opinion with all of you, you may take it as
educational thoughts or for you to be aware. When one person dies, the other
joint holder of the saving account will get the money automatically only if
that particular bank practise ' JOINT TENANCY ' - this terms means one party
die, the other joint party gets money automatically.

But unfortunately, not all banks practise JOINT TENANCY, some foreign
banks practise and most local banks don ' t practise, If you want to be sure, just
ask your bank is their joint saving account based on JOINT TENANCY, if it
is yes, get the black and white.

Can u all imagine, when husband pass away, the wife already suffer
emotional loss, now suffering the problem of having ' NO MONEY ' although it is in
join account. Because of husband ignorance, now the wife and son pay for it.

Hope the above helps for you. Just take note.
so, make the move now... action....b4 too late

说

How to prevent mosquitoes lay eggs, cheapest way of preventing >>survival of mosquitoes.

We cannot stop mosquitoes lay eggs at any stagnant water in drains/ponds
>>or water collected in waste pails, tanks, tins, used tires etc. etc. Of
>>course if you have fish inside the tanks/containers then there should be
>>no problem.
>>
>>Do you know that there is a very simple and very economical way to destroy
>>the mosquitoes' eggs and not let them hatch into larvae. Very, very
>>simple, just put in few 1 cent copper coins into the tanks/containers then
>>it will solve all your problems. Because in
>>accordance to Japanese Research Scientists, they found the mosquitoes eggs
>>will be destroyed by a kind of mineral discharge from the copper.
>>
>>DON'T BELIEVE, Try it by yourself and even the small snails also will not
>>visit the containers (with copper coins) collected with stagnant water.
>>You will observe the water collected in the containers will be very clean
>>and clear.

--------->>
>>I can't wait to try this in the summer!
>>
>>Mosquito Spray...Worth a try
>>
>>I was at a deck party awhile back, and the bugs were having a ball biting
>>everyone.. A man at the party sprayed the lawn and deck floor with
>>Listerine, and the little demons disappeared.
>>
>>The next year I filled a 4-ounce spray bottle and used it around my seat
>>whenever I
>>saw mosquitoes. And voila! That worked as well.. It worked at a picnic
>>where we sprayed the area around the food table, the children's swing
>>area, and the standing water nearby During the summer, I don't leave home
>>without it.....Pass it on.
>>
>>OUR FRIEND'S COMMENTS: I tried this on my deck and around all of my doors.
>>It works - in fact, it killed them instantly. I bought my bottle from
>>Target and it cost me $1.89. It really doesn't take much, and it is a big
>>bottle, too; so it is not as expensive to use as the can of Bug-spray you
>>buy that doesn't last 30 minutes. So, try this, please. It will last a
>>couple of days. Don't spray directly on a wood door (like your front
>>door), but spray around the frame. Spray around the window frames, and
>>even inside the dog house.
>>Now this a good way to prevent mosquitoes from attacking you!!!

緣份是找到包容你的人--一定要看完唷

有一個男人為了參加第二天的小學同學會，特地上街買一條新長褲。他回家穿上後，卻發覺長度多了 十公分 。
於是請求媽媽替他改。
媽媽說，身體不舒服，想早一點休息,今晚不想改。
於是改請求太太替他改。
太太說，還有許多家事要做，今晚沒有時間改。
於是改請求女兒替他改。
女兒說，今晚跟男朋友約好去跳舞，沒有時間改。
他想想，既然如此，明天穿舊的長褲去同學會也可以！
當天晚上，他媽媽心想：
「兒子平時對我很孝順，他開口要求總不好拒絕他。」
於是，起來替兒子改長褲，剪短了 十公分 。
他太太稍晚做完家事心想：
「老公平時很有耐心，今天他是不會縫針線才開口要求，總不好拒絕他。」
於是替先生改長褲，剪短了 十公分 。
他女兒晚上回來：
「爸爸不阻止我去跳舞，實在是開明的老爸，今天實在應該替他修改長褲。」
於是替爸爸改長褲，剪短了 十公分 。
第二天早上，三個女人分別告訴男主人此事。
他一試長褲，已經變成吊腳褲了。
他的反應是......哈哈一笑，說：
「我一定要穿去給同學看，告訴他們，我的媽媽、太太、和女兒對我多好。」
結果，老同學們一致稱讚他家庭經營成功。
他的媽媽、太太、和女兒也都很高興。
如果您是故事中的男人或女人，當下您會做何反應？
「哈哈一笑」抑或「破口大罵」？
人，面對外人時，總是可以表現得雍容大肚、心平氣和，
但面對自己最親近的家人，
卻往往一點小事就足以皺起眉頭，甚至出言相傷。
如果形容人類是一種
「出門高E.Q，回家低E.Q」的動物，我想一點兒也不誇張，
多拿出一點耐心與幽默感給家人吧！
否則您自己也不會快樂，不是嗎？
快傳閱，或許今天正有人需要它！

癌症喜歡找的人---很重要哦!!

> 1.過敏体質者：
>
> 美國科學家調查了近4萬人，發現對藥物或化學試劑等過敏的人，

比無過者更易患癌。如有過敏史的女性，罹患乳腺癌的危險比正常人高30％，有過敏史的男性，罹患前列腺癌的機率比正常人高41％。
>
>
>
> 2.經常熬夜者：
>
> 雖然癌症的發病至今尚未弄清，但有一點睡眠不好是一個危險的因素。因為癌細胞是在正常細胞裂變過程中發生突變而形成的，而夜間又是細胞裂變最旺盛的時期，睡眠不好，人體很難控制細胞發生變化而成為癌細胞。熬夜者為提神而吸煙、喝咖啡，也會使更多的致癌物侵入體內。
>
>
>
> 3.肥胖者：
>
> 哥倫比亞大學的研究資料顯示，肥胖女性發生結腸癌的危險性比一般女性高兩倍。美國癌症中心報告，腰部以上特別肥胖的女性患乳腺癌的可能性要高出正常者4至6倍。
>
>
>
> 4.維他命缺乏者：(多吃多類新鮮蔬果就不易缺乏)
>
> 特別容易患癌，人體內保護性維生素低的人易患癌症。如維生素A缺乏者罹患胃癌的危險增加3.5倍，患其他癌的危險增加兩倍多；維生素C缺乏者罹患膀胱癌、食道癌、腎上腺癌的危險增加兩倍；在維生素E不足的人群中，唇癌、口腔癌、咽癌、皮膚癌、宮頸癌、胃癌、腸癌、肺癌等患病率均增高。
>
>
>
> 5.膽固醇過低者：
>
> 膽固醇過高會引起冠狀動脈硬化或中風。其實，膽固醇是人體內不可缺少的養分之一，也是抵抗疾病的生力軍，並非越低越好。英國研究人員的報告稱，中老年女性死亡的一個重要危險因素就是膽固醇過低(不過這種病例不高)。
>
>
>
> 6.常飲高熱的濃茶者：
> 醫學研究發現，經常飲用高溫（> prefix = st1 ns =
> 'urn:schemas-microsoft-com:office:smarttags'
> />80℃以上）茶水有可能燙傷食管，而茶中的鞣質可在損傷部位沉積，不斷刺激食管上皮細胞，使之發生突變，而突變細胞大量增殖後即可變成癌組織。(同樣也不要喝太燙的湯)
>
>
>
> 7.高血壓患者：
>
> 美國對30多萬名男子的臨床研究表明，高血壓病人的癌症罹患率和死亡率為血壓正常者的兩倍多，並預言未來10年的癌症死亡率可能與血壓升高成正比。當然不是說高血壓直接導致癌症，而是兩病的發生有某些共同機制，如肥胖、嗜酒、吃鹽過多等既可促使血壓升高，也可誘發癌症。
>
>
>
> 8.經常憋大小便者：
>
> 尿液中有一種可以致癌的物質，會侵害膀胱的肌肉纖維，促發癌變；故專家們主張每小時排尿一次。大便有害物質多，如：硫化氫及其它致癌物，經常刺激腸粘膜會導致癌變。故防範之舉是每天定時排便。
>
>
>
> 9.拒飲優酪乳者：
>
> 優酪乳中含有高活性的乳酸菌和其它益菌，能減少人體對脂肪的吸收。每天飲用酸牛奶，可增加人体免疫球蛋白的數量，使人體的免疫功能得以加強，從而降低癌病的發病率。
>
>
>
> 10.偏肉食者：
>
> 過多的動物脂肪乃是誘發某些癌症的主要原因。美國哈佛大學專家發現，每天以豬、牛、羊等畜肉為主食的女性，患腸癌的比例比那些每月只吃幾次肉者高出2.5 倍。日本人目前每天的脂肪攝取量比50 年代增加了4倍，患癌者則不斷提高。以下是醫學系研究所研究教授做出來的實驗報告，可信度百分之百。
>
>
>
> 已證實易產生致癌病毒的食物: (惡物)
>
> A、用烤的玉米不能吃，百分之百有毒(肝癌)
>
> B、過期的食物(有黴菌)，含有黃菊毒素(肝癌)，一定要吃新鮮的食物，不要捨不得丟
>
> C、香腸，熱狗都是致癌物
> D、吃花枝、魷魚就不要吃紅蘿蔔(在胃裡中和會形成亞硝酸)
>
> E、烤的，有焦的部份都要去掉，很毒
> F、莖類的植物(如馬鈴薯.....) 發芽就有毒
>
>
> 許多東西其實對身體有壞處，不能只顧吃的感覺(味覺)，而忽略到這些....
>
> 要懂得選擇，不是吃得爽快就好，因為現在的污染，致病因素(化學添加物)太多了....
> 請大家在吃東西之前三思什麼是有益健康的食物
>